Home > The Farmers Bank, Frankfort, Indiana > Performance and Condition Ratios
The Farmers Bank, Frankfort, Indiana, 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 | 5.2620% | 1,553 |
| Cost of funding earning assets | 2.0009% | 914 |
| Net interest margin | 3.2612% | 2,730 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.6454% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9251% | 2,472 |
| Return on assets (ROA) | 0.9251% | 2,442 |
| Pretax return on assets | 1.0559% | 2,519 |
| Return on Equity (ROE) | 11.5400% | 2,077 |
| Retained earnings to average equity (ytd only) | 6.8424% | 1,936 |
| Net charge-offs to loans | -0.0052% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.4505% | 1,714 |
| Assets per employee ($millions) | 6.5345% | 2,397 |
| Cash dividends to net income (ytd only)* | 40.7001% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,058 |
| Loan loss allowance to noncurrent loans | 519.7425% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 2,395 |
| Noncurrent loans to loans | 0.2390% | 2,356 |
| Net loans and leases to total assets | 70.6300% | 1,744 |
| Net loans and leases to deposits | 95.8251% | 801 |
| Net loans and leases to core deposits | 104.2449% | 1,207 |
| Total domestic deposits to total assets | 73.7100% | 4,122 |
| Equity capital to assets | 7.8770% | 3,499 |
| Core capital (leverage) ratio | 10.1522% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4812% | 2,423 |
| Memoranda: | ||
| Average total assets | $895,622,000 | 1,089 |
| Average earning assets | $834,582,200 | 1,075 |
| Average equity | $71,802,400 | 1,224 |
| Average total loans | $633,865,600 | 1,052 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 1,636 |
| Cost of funding earning assets | 1.8443% | 941 |
| Net interest margin | 3.2563% | 2,790 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.5898% | 1,976 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9289% | 2,585 |
| Return on assets (ROA) | 0.9289% | 2,572 |
| Pretax return on assets | 1.0824% | 2,621 |
| Return on Equity (ROE) | 11.5300% | 2,243 |
| Retained earnings to average equity (ytd only) | 6.6998% | 2,394 |
| Net charge-offs to loans | -0.0064% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.9203% | 1,795 |
| Assets per employee ($millions) | 6.4079% | 2,390 |
| Cash dividends to net income (ytd only)* | 41.9029% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 1,818 |
| Loan loss allowance to noncurrent loans | 793.4502% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 2,800 |
| Noncurrent loans to loans | 0.1653% | 2,717 |
| Net loans and leases to total assets | 68.7000% | 1,973 |
| Net loans and leases to deposits | 92.1831% | 1,037 |
| Net loans and leases to core deposits | 99.2589% | 1,360 |
| Total domestic deposits to total assets | 74.5300% | 4,119 |
| Equity capital to assets | 6.9810% | 3,620 |
| Core capital (leverage) ratio | 10.0937% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3070% | 2,510 |
| Memoranda: | ||
| Average total assets | $881,017,250 | 1,105 |
| Average earning assets | $822,024,250 | 1,094 |
| Average equity | $70,965,500 | 1,229 |
| Average total loans | $621,753,500 | 1,063 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9980% | 1,569 |
| Cost of funding earning assets | 1.6682% | 934 |
| Net interest margin | 3.3298% | 2,684 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.6062% | 1,917 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 1.0777% | 2,183 |
| Return on assets (ROA) | 1.0777% | 2,186 |
| Pretax return on assets | 1.2546% | 2,211 |
| Return on Equity (ROE) | 12.7600% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.2708% | 1,613 |
| Net charge-offs to loans | -0.0134% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.7887% | 1,887 |
| Assets per employee ($millions) | 5.8669% | 2,826 |
| Cash dividends to net income (ytd only)* | 27.3394% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,644 |
| Loan loss allowance to noncurrent loans | 676.5625% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 2,688 |
| Noncurrent loans to loans | 0.1718% | 2,621 |
| Net loans and leases to total assets | 70.1900% | 1,722 |
| Net loans and leases to deposits | 94.0111% | 863 |
| Net loans and leases to core deposits | 99.2298% | 1,276 |
| Total domestic deposits to total assets | 74.6600% | 4,144 |
| Equity capital to assets | 8.2062% | 3,082 |
| Core capital (leverage) ratio | 10.7458% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6079% | 2,432 |
| Memoranda: | ||
| Average total assets | $860,704,000 | 1,114 |
| Average earning assets | $802,922,667 | 1,097 |
| Average equity | $72,701,333 | 1,202 |
| Average total loans | $610,425,000 | 1,067 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 1,267 |
| Cost of funding earning assets | 1.4997% | 846 |
| Net interest margin | 3.4804% | 2,417 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.5675% | 2,056 |
| Loan and lease loss provision to assets | -0.3100% | 4,646 |
| Net operating income to assets | 1.3962% | 1,421 |
| Return on assets (ROA) | 1.3962% | 1,397 |
| Pretax return on assets | 1.6754% | 1,328 |
| Return on Equity (ROE) | 16.2800% | 1,300 |
| Retained earnings to average equity (ytd only) | 16.2845% | 663 |
| Net charge-offs to loans | -0.0254% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.3614% | 2,288 |
| Assets per employee ($millions) | 6.0369% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,724 |
| Loan loss allowance to noncurrent loans | 582.6123% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,511 |
| Noncurrent loans to loans | 0.2004% | 2,469 |
| Net loans and leases to total assets | 70.1300% | 1,617 |
| Net loans and leases to deposits | 88.2349% | 1,185 |
| Net loans and leases to core deposits | 93.1344% | 1,447 |
| Total domestic deposits to total assets | 79.4800% | 3,837 |
| Equity capital to assets | 8.8808% | 2,604 |
| Core capital (leverage) ratio | 10.9904% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0980% | 2,355 |
| Memoranda: | ||
| Average total assets | $845,168,000 | 1,145 |
| Average earning assets | $789,228,500 | 1,128 |
| Average equity | $72,461,500 | 1,218 |
| Average total loans | $598,996,000 | 1,094 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 1,525 |
| Cost of funding earning assets | 0.4811% | 1,521 |
| Net interest margin | 3.5954% | 1,657 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.5656% | 1,923 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3309% | 1,336 |
| Return on assets (ROA) | 1.3309% | 1,299 |
| Pretax return on assets | 1.6017% | 1,166 |
| Return on Equity (ROE) | 15.1400% | 1,223 |
| Retained earnings to average equity (ytd only) | 11.6739% | 737 |
| Net charge-offs to loans | -0.0026% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.4723% | 2,842 |
| Assets per employee ($millions) | 6.1691% | 2,623 |
| Cash dividends to net income (ytd only)* | 22.8883% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,013 |
| Loan loss allowance to noncurrent loans | 558.9744% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,406 |
| Noncurrent loans to loans | 0.2282% | 2,358 |
| Net loans and leases to total assets | 69.8800% | 1,652 |
| Net loans and leases to deposits | 91.9928% | 912 |
| Net loans and leases to core deposits | 96.5584% | 1,172 |
| Total domestic deposits to total assets | 75.9700% | 4,252 |
| Equity capital to assets | 8.2665% | 2,883 |
| Core capital (leverage) ratio | 10.7271% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0883% | 2,333 |
| Memoranda: | ||
| Average total assets | $799,703,600 | 1,185 |
| Average earning assets | $749,067,200 | 1,170 |
| Average equity | $70,302,400 | 1,245 |
| Average total loans | $539,218,600 | 1,116 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 1,542 |
| Cost of funding earning assets | 0.2808% | 2,377 |
| Net interest margin | 3.5947% | 1,402 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.5907% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3403% | 1,234 |
| Return on assets (ROA) | 1.3403% | 1,217 |
| Pretax return on assets | 1.6118% | 1,093 |
| Return on Equity (ROE) | 15.0100% | 1,172 |
| Retained earnings to average equity (ytd only) | 11.5641% | 900 |
| Net charge-offs to loans | -0.0165% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.5849% | 2,881 |
| Assets per employee ($millions) | 5.9266% | 2,826 |
| Cash dividends to net income (ytd only)* | 22.9401% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,741 |
| Loan loss allowance to noncurrent loans | 583.0160% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 2,485 |
| Noncurrent loans to loans | 0.2340% | 2,452 |
| Net loans and leases to total assets | 68.1600% | 1,663 |
| Net loans and leases to deposits | 84.3157% | 1,275 |
| Net loans and leases to core deposits | 86.8420% | 1,478 |
| Total domestic deposits to total assets | 80.8400% | 4,010 |
| Equity capital to assets | 7.9141% | 2,950 |
| Core capital (leverage) ratio | 11.7227% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2263% | 2,383 |
| Memoranda: | ||
| Average total assets | $788,336,750 | 1,204 |
| Average earning assets | $738,880,000 | 1,186 |
| Average equity | $70,411,500 | 1,257 |
| Average total loans | $524,456,750 | 1,135 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 1,485 |
| Cost of funding earning assets | 0.1686% | 3,332 |
| Net interest margin | 3.5545% | 1,172 |
| Noninterest income to average assets | 0.7349% | 1,218 |
| Noninterest expense to average assets | 2.5810% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2544% | 1,269 |
| Return on assets (ROA) | 1.2544% | 1,254 |
| Pretax return on assets | 1.4935% | 1,186 |
| Return on Equity (ROE) | 13.5104% | 1,242 |
| Retained earnings to average equity (ytd only) | 10.1901% | 970 |
| Net charge-offs to loans | -0.0051% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3459% | 2,859 |
| Assets per employee ($millions) | 5.6672% | 3,068 |
| Cash dividends to net income (ytd only)* | 24.5761% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,600 |
| Loan loss allowance to noncurrent loans | 550.7994% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,477 |
| Noncurrent loans to loans | 0.2612% | 2,434 |
| Net loans and leases to total assets | 66.3963% | 1,641 |
| Net loans and leases to deposits | 77.6617% | 1,562 |
| Net loans and leases to core deposits | 79.9772% | 1,719 |
| Total domestic deposits to total assets | 85.4942% | 3,371 |
| Equity capital to assets | 8.7508% | 2,570 |
| Core capital (leverage) ratio | 11.0515% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5413% | 1,851 |
| Memoranda: | ||
| Average total assets | $780,466,333 | 1,212 |
| Average earning assets | $733,267,333 | 1,205 |
| Average equity | $72,462,667 | 1,262 |
| Average total loans | $512,243,000 | 1,144 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 1,485 |
| Cost of funding earning assets | 0.1515% | 3,488 |
| Net interest margin | 3.4572% | 1,165 |
| Noninterest income to average assets | 0.7208% | 1,251 |
| Noninterest expense to average assets | 2.5770% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1549% | 1,367 |
| Return on assets (ROA) | 1.1549% | 1,365 |
| Pretax return on assets | 1.3985% | 1,260 |
| Return on Equity (ROE) | 12.0899% | 1,279 |
| Retained earnings to average equity (ytd only) | 8.7384% | 1,352 |
| Net charge-offs to loans | -0.0087% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8213% | 2,934 |
| Assets per employee ($millions) | 6.0400% | 2,770 |
| Cash dividends to net income (ytd only)* | 27.7210% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,563 |
| Loan loss allowance to noncurrent loans | 534.2736% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,544 |
| Noncurrent loans to loans | 0.2799% | 2,468 |
| Net loans and leases to total assets | 63.0727% | 1,734 |
| Net loans and leases to deposits | 72.6810% | 1,726 |
| Net loans and leases to core deposits | 75.0836% | 1,842 |
| Total domestic deposits to total assets | 86.7802% | 3,006 |
| Equity capital to assets | 8.7296% | 2,949 |
| Core capital (leverage) ratio | 9.9722% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9422% | 2,625 |
| Memoranda: | ||
| Average total assets | $779,665,500 | 1,215 |
| Average earning assets | $734,005,000 | 1,207 |
| Average equity | $74,475,500 | 1,267 |
| Average total loans | $504,943,000 | 1,154 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 1,930 |
| Cost of funding earning assets | 0.1933% | 3,540 |
| Net interest margin | 3.5807% | 1,520 |
| Noninterest income to average assets | 0.9801% | 1,042 |
| Noninterest expense to average assets | 2.6115% | 1,840 |
| Loan and lease loss provision to assets | 0.0801% | 1,530 |
| Net operating income to assets | 1.3905% | 1,310 |
| Return on assets (ROA) | 1.3905% | 1,362 |
| Pretax return on assets | 1.6664% | 1,227 |
| Return on Equity (ROE) | 13.0147% | 1,466 |
| Retained earnings to average equity (ytd only) | 4.4399% | 3,035 |
| Net charge-offs to loans | 0.0161% | 1,982 |
| Credit loss provision to net charge-offs | 779.2208% | 614 |
| Earnings coverage of net charge-offs (x) | 169.8831% | 603 |
| Efficiency ratio | 59.9246% | 3,159 |
| Assets per employee ($millions) | 6.0007% | 2,776 |
| Cash dividends to net income (ytd only)* | 65.8857% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,541 |
| Loan loss allowance to noncurrent loans | 467.5525% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,512 |
| Noncurrent loans to loans | 0.3215% | 2,439 |
| Net loans and leases to total assets | 64.5352% | 1,646 |
| Net loans and leases to deposits | 77.8484% | 1,410 |
| Net loans and leases to core deposits | 80.8020% | 1,534 |
| Total domestic deposits to total assets | 82.8986% | 3,834 |
| Equity capital to assets | 10.3997% | 2,264 |
| Core capital (leverage) ratio | 10.0170% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0911% | 2,599 |
| Memoranda: | ||
| Average total assets | $748,998,000 | 1,224 |
| Average earning assets | $706,570,400 | 1,209 |
| Average equity | $80,025,000 | 1,208 |
| Average total loans | $476,821,200 | 1,205 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 1,980 |
| Cost of funding earning assets | 0.2026% | 3,580 |
| Net interest margin | 3.6155% | 1,562 |
| Noninterest income to average assets | 1.0325% | 1,012 |
| Noninterest expense to average assets | 2.6445% | 1,717 |
| Loan and lease loss provision to assets | 0.1075% | 1,124 |
| Net operating income to assets | 1.4173% | 1,486 |
| Return on assets (ROA) | 1.4173% | 1,548 |
| Pretax return on assets | 1.6921% | 1,424 |
| Return on Equity (ROE) | 13.1745% | 1,645 |
| Retained earnings to average equity (ytd only) | 2.7861% | 3,972 |
| Net charge-offs to loans | 0.0252% | 1,537 |
| Credit loss provision to net charge-offs | 674.1573% | 657 |
| Earnings coverage of net charge-offs (x) | 112.8652% | 807 |
| Efficiency ratio | 59.5058% | 3,065 |
| Assets per employee ($millions) | 6.0387% | 2,656 |
| Cash dividends to net income (ytd only)* | 78.8522% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,370 |
| Loan loss allowance to noncurrent loans | 442.0129% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,669 |
| Noncurrent loans to loans | 0.3591% | 2,490 |
| Net loans and leases to total assets | 61.0686% | 2,127 |
| Net loans and leases to deposits | 73.7251% | 1,887 |
| Net loans and leases to core deposits | 77.1429% | 1,951 |
| Total domestic deposits to total assets | 82.8328% | 3,751 |
| Equity capital to assets | 10.3183% | 2,600 |
| Core capital (leverage) ratio | 9.8242% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1077% | 2,675 |
| Memoranda: | ||
| Average total assets | $744,225,500 | 1,247 |
| Average earning assets | $702,258,750 | 1,228 |
| Average equity | $80,061,500 | 1,229 |
| Average total loans | $470,213,500 | 1,241 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 2,112 |
| Cost of funding earning assets | 0.2152% | 3,600 |
| Net interest margin | 3.5686% | 1,663 |
| Noninterest income to average assets | 1.0548% | 986 |
| Noninterest expense to average assets | 2.7079% | 1,570 |
| Loan and lease loss provision to assets | 0.1357% | 904 |
| Net operating income to assets | 1.3548% | 1,692 |
| Return on assets (ROA) | 1.3548% | 1,774 |
| Pretax return on assets | 1.5790% | 1,800 |
| Return on Equity (ROE) | 12.4174% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.9318% | 1,143 |
| Net charge-offs to loans | 0.0350% | 1,297 |
| Credit loss provision to net charge-offs | 609.7561% | 616 |
| Earnings coverage of net charge-offs (x) | 77.0244% | 854 |
| Efficiency ratio | 61.2277% | 2,842 |
| Assets per employee ($millions) | 5.7231% | 2,871 |
| Cash dividends to net income (ytd only)* | 11.9639% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 1,300 |
| Loan loss allowance to noncurrent loans | 386.7807% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 2,649 |
| Noncurrent loans to loans | 0.4109% | 2,449 |
| Net loans and leases to total assets | 61.1606% | 2,288 |
| Net loans and leases to deposits | 73.6233% | 2,034 |
| Net loans and leases to core deposits | 77.3212% | 2,109 |
| Total domestic deposits to total assets | 83.0723% | 3,690 |
| Equity capital to assets | 10.9121% | 2,058 |
| Core capital (leverage) ratio | 10.4860% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3385% | 2,233 |
| Memoranda: | ||
| Average total assets | $736,660,667 | 1,244 |
| Average earning assets | $695,235,667 | 1,228 |
| Average equity | $80,371,000 | 1,213 |
| Average total loans | $468,317,667 | 1,247 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 2,172 |
| Cost of funding earning assets | 0.2318% | 3,628 |
| Net interest margin | 3.5428% | 1,719 |
| Noninterest income to average assets | 0.8932% | 1,343 |
| Noninterest expense to average assets | 2.4981% | 2,181 |
| Loan and lease loss provision to assets | 0.1650% | 761 |
| Net operating income to assets | 1.2942% | 1,846 |
| Return on assets (ROA) | 1.2942% | 1,918 |
| Pretax return on assets | 1.5846% | 1,775 |
| Return on Equity (ROE) | 11.8631% | 2,065 |
| Retained earnings to average equity (ytd only) | 8.8532% | 1,999 |
| Net charge-offs to loans | -0.0111% | 3,708 |
| Credit loss provision to net charge-offs | -2,307.6923% | 3,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8113% | 3,184 |
| Assets per employee ($millions) | 6.0650% | 2,533 |
| Cash dividends to net income (ytd only)* | 25.3719% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 1,326 |
| Loan loss allowance to noncurrent loans | 351.8412% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 2,762 |
| Noncurrent loans to loans | 0.4515% | 2,501 |
| Net loans and leases to total assets | 60.6025% | 2,464 |
| Net loans and leases to deposits | 73.2337% | 2,189 |
| Net loans and leases to core deposits | 77.1584% | 2,249 |
| Total domestic deposits to total assets | 82.7523% | 3,750 |
| Equity capital to assets | 10.5084% | 2,267 |
| Core capital (leverage) ratio | 10.3380% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5624% | 2,058 |
| Memoranda: | ||
| Average total assets | $727,264,000 | 1,247 |
| Average earning assets | $688,600,500 | 1,234 |
| Average equity | $79,338,500 | 1,218 |
| Average total loans | $467,726,000 | 1,248 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 2,331 |
| Cost of funding earning assets | 0.3911% | 3,640 |
| Net interest margin | 3.7417% | 1,661 |
| Noninterest income to average assets | 0.9932% | 1,053 |
| Noninterest expense to average assets | 2.6593% | 2,359 |
| Loan and lease loss provision to assets | 0.3327% | 1,072 |
| Net operating income to assets | 1.2653% | 1,346 |
| Return on assets (ROA) | 1.2653% | 1,454 |
| Pretax return on assets | 1.5305% | 1,242 |
| Return on Equity (ROE) | 11.2888% | 1,529 |
| Retained earnings to average equity (ytd only) | 7.6427% | 1,159 |
| Net charge-offs to loans | -0.0133% | 4,329 |
| Credit loss provision to net charge-offs | -3,595.0820% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8018% | 3,614 |
| Assets per employee ($millions) | 5.7111% | 2,613 |
| Cash dividends to net income (ytd only)* | 32.2983% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 1,614 |
| Loan loss allowance to noncurrent loans | 330.9680% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 2,781 |
| Noncurrent loans to loans | 0.4505% | 2,622 |
| Net loans and leases to total assets | 66.2357% | 2,068 |
| Net loans and leases to deposits | 81.6442% | 1,691 |
| Net loans and leases to core deposits | 86.4163% | 1,836 |
| Total domestic deposits to total assets | 81.1273% | 3,847 |
| Equity capital to assets | 11.3383% | 1,996 |
| Core capital (leverage) ratio | 10.4738% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4395% | 2,070 |
| Memoranda: | ||
| Average total assets | $659,188,000 | 1,237 |
| Average earning assets | $621,773,200 | 1,226 |
| Average equity | $73,887,400 | 1,238 |
| Average total loans | $458,187,600 | 1,207 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 2,549 |
| Cost of funding earning assets | 0.4285% | 3,649 |
| Net interest margin | 3.7128% | 1,901 |
| Noninterest income to average assets | 1.0083% | 1,010 |
| Noninterest expense to average assets | 2.7159% | 2,212 |
| Loan and lease loss provision to assets | 0.3893% | 933 |
| Net operating income to assets | 1.1754% | 1,727 |
| Return on assets (ROA) | 1.1754% | 1,848 |
| Pretax return on assets | 1.4060% | 1,713 |
| Return on Equity (ROE) | 10.5196% | 1,840 |
| Retained earnings to average equity (ytd only) | 7.5805% | 1,468 |
| Net charge-offs to loans | -0.0070% | 4,141 |
| Credit loss provision to net charge-offs | -7,887.5000% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2042% | 3,362 |
| Assets per employee ($millions) | 5.4439% | 2,759 |
| Cash dividends to net income (ytd only)* | 27.9391% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,839 |
| Loan loss allowance to noncurrent loans | 350.3657% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 3,057 |
| Noncurrent loans to loans | 0.3931% | 2,884 |
| Net loans and leases to total assets | 69.4573% | 2,031 |
| Net loans and leases to deposits | 85.5409% | 1,757 |
| Net loans and leases to core deposits | 91.1888% | 1,869 |
| Total domestic deposits to total assets | 81.1977% | 3,614 |
| Equity capital to assets | 11.2341% | 2,202 |
| Core capital (leverage) ratio | 10.5873% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3575% | 2,047 |
| Memoranda: | ||
| Average total assets | $648,367,500 | 1,241 |
| Average earning assets | $611,706,500 | 1,225 |
| Average equity | $72,447,250 | 1,240 |
| Average total loans | $454,652,250 | 1,211 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 2,718 |
| Cost of funding earning assets | 0.4892% | 3,596 |
| Net interest margin | 3.7230% | 2,080 |
| Noninterest income to average assets | 0.9968% | 994 |
| Noninterest expense to average assets | 2.8311% | 2,017 |
| Loan and lease loss provision to assets | 0.4801% | 767 |
| Net operating income to assets | 1.0378% | 2,194 |
| Return on assets (ROA) | 1.0378% | 2,327 |
| Pretax return on assets | 1.1955% | 2,377 |
| Return on Equity (ROE) | 9.3061% | 2,247 |
| Retained earnings to average equity (ytd only) | 6.4747% | 1,875 |
| Net charge-offs to loans | -0.0113% | 4,232 |
| Credit loss provision to net charge-offs | -6,088.0000% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8193% | 2,987 |
| Assets per employee ($millions) | 5.1640% | 2,986 |
| Cash dividends to net income (ytd only)* | 30.4255% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 1,762 |
| Loan loss allowance to noncurrent loans | 242.2945% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 2,670 |
| Noncurrent loans to loans | 0.5585% | 2,492 |
| Net loans and leases to total assets | 68.8031% | 2,214 |
| Net loans and leases to deposits | 84.9172% | 1,899 |
| Net loans and leases to core deposits | 90.7279% | 2,014 |
| Total domestic deposits to total assets | 81.0238% | 3,602 |
| Equity capital to assets | 11.2125% | 2,172 |
| Core capital (leverage) ratio | 10.6569% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6029% | 1,957 |
| Memoranda: | ||
| Average total assets | $634,030,333 | 1,245 |
| Average earning assets | $597,740,667 | 1,227 |
| Average equity | $70,706,333 | 1,256 |
| Average total loans | $443,896,667 | 1,221 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 2,683 |
| Cost of funding earning assets | 0.5897% | 3,487 |
| Net interest margin | 3.7922% | 2,013 |
| Noninterest income to average assets | 0.8957% | 1,075 |
| Noninterest expense to average assets | 2.8496% | 2,279 |
| Loan and lease loss provision to assets | 0.6896% | 386 |
| Net operating income to assets | 0.8450% | 2,732 |
| Return on assets (ROA) | 0.8450% | 2,821 |
| Pretax return on assets | 0.9262% | 3,064 |
| Return on Equity (ROE) | 7.5997% | 2,687 |
| Retained earnings to average equity (ytd only) | 1.7479% | 3,533 |
| Net charge-offs to loans | -0.0306% | 4,479 |
| Credit loss provision to net charge-offs | -3,215.1515% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8137% | 3,262 |
| Assets per employee ($millions) | 4.9921% | 2,659 |
| Cash dividends to net income (ytd only)* | 77.0000% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 1,844 |
| Loan loss allowance to noncurrent loans | 270.6072% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 2,971 |
| Noncurrent loans to loans | 0.5041% | 2,757 |
| Net loans and leases to total assets | 68.7234% | 2,430 |
| Net loans and leases to deposits | 85.9226% | 2,013 |
| Net loans and leases to core deposits | 91.8790% | 2,174 |
| Total domestic deposits to total assets | 79.9829% | 3,869 |
| Equity capital to assets | 10.9025% | 2,946 |
| Core capital (leverage) ratio | 11.0617% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8763% | 2,339 |
| Memoranda: | ||
| Average total assets | $615,388,500 | 1,241 |
| Average earning assets | $579,301,000 | 1,225 |
| Average equity | $68,424,000 | 1,285 |
| Average total loans | $431,734,500 | 1,219 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7023% | 2,321 |
| Cost of funding earning assets | 0.6127% | 3,586 |
| Net interest margin | 4.0896% | 1,567 |
| Noninterest income to average assets | 0.9268% | 1,126 |
| Noninterest expense to average assets | 2.9682% | 2,103 |
| Loan and lease loss provision to assets | 0.0926% | 2,180 |
| Net operating income to assets | 1.4012% | 1,340 |
| Return on assets (ROA) | 1.4012% | 1,411 |
| Pretax return on assets | 1.7024% | 1,180 |
| Return on Equity (ROE) | 12.4216% | 1,354 |
| Retained earnings to average equity (ytd only) | 9.6179% | 565 |
| Net charge-offs to loans | 0.0388% | 2,605 |
| Credit loss provision to net charge-offs | 334.7826% | 828 |
| Earnings coverage of net charge-offs (x) | 64.8634% | 937 |
| Efficiency ratio | 62.3146% | 3,324 |
| Assets per employee ($millions) | 4.8941% | 2,713 |
| Cash dividends to net income (ytd only)* | 22.5711% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 2,904 |
| Loan loss allowance to noncurrent loans | 190.3059% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 2,748 |
| Noncurrent loans to loans | 0.5824% | 2,440 |
| Net loans and leases to total assets | 69.8618% | 2,421 |
| Net loans and leases to deposits | 88.7597% | 1,738 |
| Net loans and leases to core deposits | 95.2070% | 1,967 |
| Total domestic deposits to total assets | 78.7088% | 4,241 |
| Equity capital to assets | 11.3378% | 2,667 |
| Core capital (leverage) ratio | 11.2879% | 2,259 |
| Tier 1 risk-based capital ratio | 12.9101% | 3,838 |
| Total risk-based capital ratio | 13.8248% | 3,908 |
| Memoranda: | ||
| Average total assets | $581,770,000 | 1,249 |
| Average earning assets | $545,756,000 | 1,245 |
| Average equity | $65,627,800 | 1,285 |
| Average total loans | $414,863,200 | 1,230 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 2,203 |
| Cost of funding earning assets | 0.6107% | 3,643 |
| Net interest margin | 4.1626% | 1,468 |
| Noninterest income to average assets | 0.8897% | 1,163 |
| Noninterest expense to average assets | 2.9985% | 1,985 |
| Loan and lease loss provision to assets | 0.1249% | 1,558 |
| Net operating income to assets | 1.3742% | 1,556 |
| Return on assets (ROA) | 1.3742% | 1,627 |
| Pretax return on assets | 1.6672% | 1,427 |
| Return on Equity (ROE) | 12.1985% | 1,548 |
| Retained earnings to average equity (ytd only) | 9.9006% | 776 |
| Net charge-offs to loans | 0.0435% | 2,227 |
| Credit loss provision to net charge-offs | 401.4925% | 749 |
| Earnings coverage of net charge-offs (x) | 57.6052% | 1,085 |
| Efficiency ratio | 62.5909% | 3,234 |
| Assets per employee ($millions) | 4.6841% | 2,936 |
| Cash dividends to net income (ytd only)* | 18.8377% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,784 |
| Loan loss allowance to noncurrent loans | 175.8583% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 2,670 |
| Noncurrent loans to loans | 0.6530% | 2,326 |
| Net loans and leases to total assets | 70.2272% | 2,433 |
| Net loans and leases to deposits | 85.4533% | 2,266 |
| Net loans and leases to core deposits | 91.4661% | 2,421 |
| Total domestic deposits to total assets | 82.1819% | 3,418 |
| Equity capital to assets | 11.5632% | 2,619 |
| Core capital (leverage) ratio | 11.4693% | 2,244 |
| Tier 1 risk-based capital ratio | 13.0970% | 3,798 |
| Total risk-based capital ratio | 14.0511% | 3,849 |
| Memoranda: | ||
| Average total assets | $574,272,250 | 1,271 |
| Average earning assets | $538,170,750 | 1,260 |
| Average equity | $64,694,750 | 1,298 |
| Average total loans | $410,534,750 | 1,252 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 2,222 |
| Cost of funding earning assets | 0.5958% | 3,670 |
| Net interest margin | 4.1547% | 1,476 |
| Noninterest income to average assets | 0.8327% | 1,241 |
| Noninterest expense to average assets | 2.9896% | 2,030 |
| Loan and lease loss provision to assets | 0.1188% | 1,572 |
| Net operating income to assets | 1.3375% | 1,626 |
| Return on assets (ROA) | 1.3375% | 1,688 |
| Pretax return on assets | 1.6170% | 1,496 |
| Return on Equity (ROE) | 11.9821% | 1,582 |
| Retained earnings to average equity (ytd only) | 10.2942% | 677 |
| Net charge-offs to loans | 0.0810% | 1,549 |
| Credit loss provision to net charge-offs | 204.8485% | 1,184 |
| Earnings coverage of net charge-offs (x) | 29.9273% | 1,462 |
| Efficiency ratio | 63.2671% | 3,245 |
| Assets per employee ($millions) | 4.3801% | 3,317 |
| Cash dividends to net income (ytd only)* | 14.0867% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,029 |
| Loan loss allowance to noncurrent loans | 148.7829% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 2,427 |
| Noncurrent loans to loans | 0.7449% | 2,127 |
| Net loans and leases to total assets | 70.7492% | 2,432 |
| Net loans and leases to deposits | 84.8058% | 2,394 |
| Net loans and leases to core deposits | 90.1499% | 2,587 |
| Total domestic deposits to total assets | 83.4249% | 3,065 |
| Equity capital to assets | 11.4320% | 2,669 |
| Core capital (leverage) ratio | 11.3320% | 2,308 |
| Tier 1 risk-based capital ratio | 12.9638% | 3,858 |
| Total risk-based capital ratio | 13.8834% | 3,946 |
| Memoranda: | ||
| Average total assets | $568,965,330 | 1,281 |
| Average earning assets | $533,078,330 | 1,269 |
| Average equity | $63,511,330 | 1,316 |
| Average total loans | $407,616,000 | 1,258 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 2,250 |
| Cost of funding earning assets | 0.5542% | 3,805 |
| Net interest margin | 4.1395% | 1,452 |
| Noninterest income to average assets | 0.7924% | 1,310 |
| Noninterest expense to average assets | 2.7529% | 2,731 |
| Loan and lease loss provision to assets | 0.1063% | 1,677 |
| Net operating income to assets | 1.4721% | 1,171 |
| Return on assets (ROA) | 1.4721% | 1,197 |
| Pretax return on assets | 1.8088% | 966 |
| Return on Equity (ROE) | 13.3529% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.9070% | 1,056 |
| Net charge-offs to loans | 0.2640% | 555 |
| Credit loss provision to net charge-offs | 56.1798% | 1,936 |
| Earnings coverage of net charge-offs (x) | 10.1199% | 1,975 |
| Efficiency ratio | 58.9736% | 3,956 |
| Assets per employee ($millions) | 4.5274% | 3,148 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,367 |
| Loan loss allowance to noncurrent loans | 97.9918% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 1,822 |
| Noncurrent loans to loans | 1.0799% | 1,541 |
| Net loans and leases to total assets | 70.9458% | 2,335 |
| Net loans and leases to deposits | 84.9557% | 2,264 |
| Net loans and leases to core deposits | 90.5740% | 2,434 |
| Total domestic deposits to total assets | 83.5091% | 3,212 |
| Equity capital to assets | 11.0760% | 2,774 |
| Core capital (leverage) ratio | 11.1824% | 2,404 |
| Tier 1 risk-based capital ratio | 12.7395% | 4,017 |
| Total risk-based capital ratio | 13.6093% | 4,129 |
| Memoranda: | ||
| Average total assets | $564,360,000 | 1,292 |
| Average earning assets | $528,372,000 | 1,278 |
| Average equity | $62,218,500 | 1,331 |
| Average total loans | $404,604,500 | 1,271 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 2,472 |
| Cost of funding earning assets | 0.4189% | 3,871 |
| Net interest margin | 4.0762% | 1,757 |
| Noninterest income to average assets | 0.8864% | 1,208 |
| Noninterest expense to average assets | 2.8395% | 2,550 |
| Loan and lease loss provision to assets | 0.0824% | 2,480 |
| Net operating income to assets | 1.4515% | 1,270 |
| Return on assets (ROA) | 1.4515% | 1,261 |
| Pretax return on assets | 1.7646% | 1,016 |
| Return on Equity (ROE) | 13.5582% | 1,156 |
| Retained earnings to average equity (ytd only) | 10.7470% | 480 |
| Net charge-offs to loans | 0.4046% | 458 |
| Credit loss provision to net charge-offs | 28.6078% | 3,354 |
| Earnings coverage of net charge-offs (x) | 6.4100% | 3,091 |
| Efficiency ratio | 60.5886% | 3,764 |
| Assets per employee ($millions) | 4.6131% | 3,000 |
| Cash dividends to net income (ytd only)* | 20.7345% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,148 |
| Loan loss allowance to noncurrent loans | 70.7912% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 1,211 |
| Noncurrent loans to loans | 1.5446% | 968 |
| Net loans and leases to total assets | 70.8969% | 2,432 |
| Net loans and leases to deposits | 86.9434% | 2,166 |
| Net loans and leases to core deposits | 91.9250% | 2,412 |
| Total domestic deposits to total assets | 81.5437% | 3,773 |
| Equity capital to assets | 10.9729% | 2,716 |
| Core capital (leverage) ratio | 11.0602% | 2,470 |
| Tier 1 risk-based capital ratio | 12.6506% | 4,049 |
| Total risk-based capital ratio | 13.5470% | 4,122 |
| Memoranda: | ||
| Average total assets | $545,909,600 | 1,303 |
| Average earning assets | $508,924,400 | 1,290 |
| Average equity | $58,444,200 | 1,349 |
| Average total loans | $388,791,400 | 1,283 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 2,452 |
| Cost of funding earning assets | 0.3893% | 3,941 |
| Net interest margin | 4.0652% | 1,738 |
| Noninterest income to average assets | 0.8738% | 1,274 |
| Noninterest expense to average assets | 2.8343% | 2,518 |
| Loan and lease loss provision to assets | 0.0738% | 2,478 |
| Net operating income to assets | 1.4387% | 1,365 |
| Return on assets (ROA) | 1.4387% | 1,367 |
| Pretax return on assets | 1.7545% | 1,126 |
| Return on Equity (ROE) | 13.5259% | 1,256 |
| Retained earnings to average equity (ytd only) | 11.1123% | 628 |
| Net charge-offs to loans | 0.5425% | 276 |
| Credit loss provision to net charge-offs | 19.1449% | 3,021 |
| Earnings coverage of net charge-offs (x) | 4.7403% | 3,025 |
| Efficiency ratio | 60.7876% | 3,689 |
| Assets per employee ($millions) | 4.5911% | 2,989 |
| Cash dividends to net income (ytd only)* | 17.8443% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,281 |
| Loan loss allowance to noncurrent loans | 84.0095% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 1,601 |
| Noncurrent loans to loans | 1.2911% | 1,302 |
| Net loans and leases to total assets | 70.6141% | 2,552 |
| Net loans and leases to deposits | 84.3359% | 2,558 |
| Net loans and leases to core deposits | 89.5175% | 2,699 |
| Total domestic deposits to total assets | 83.7296% | 3,038 |
| Equity capital to assets | 10.8521% | 2,798 |
| Core capital (leverage) ratio | 11.0370% | 2,549 |
| Tier 1 risk-based capital ratio | 12.6783% | 4,095 |
| Total risk-based capital ratio | 13.5682% | 4,196 |
| Memoranda: | ||
| Average total assets | $541,688,250 | 1,310 |
| Average earning assets | $504,855,250 | 1,301 |
| Average equity | $57,616,500 | 1,364 |
| Average total loans | $385,135,500 | 1,296 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 2,421 |
| Cost of funding earning assets | 0.3551% | 4,042 |
| Net interest margin | 4.0426% | 1,716 |
| Noninterest income to average assets | 0.8433% | 1,339 |
| Noninterest expense to average assets | 2.8603% | 2,465 |
| Loan and lease loss provision to assets | 0.0557% | 2,795 |
| Net operating income to assets | 1.3943% | 1,463 |
| Return on assets (ROA) | 1.3943% | 1,463 |
| Pretax return on assets | 1.6895% | 1,244 |
| Return on Equity (ROE) | 13.2002% | 1,301 |
| Retained earnings to average equity (ytd only) | 11.3687% | 609 |
| Net charge-offs to loans | 0.8347% | 158 |
| Credit loss provision to net charge-offs | 9.3985% | 2,731 |
| Earnings coverage of net charge-offs (x) | 2.9449% | 2,929 |
| Efficiency ratio | 62.1059% | 3,610 |
| Assets per employee ($millions) | 4.3938% | 3,287 |
| Cash dividends to net income (ytd only)* | 13.8748% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,452 |
| Loan loss allowance to noncurrent loans | 104.5257% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 2,083 |
| Noncurrent loans to loans | 1.0209% | 1,726 |
| Net loans and leases to total assets | 69.5619% | 2,642 |
| Net loans and leases to deposits | 82.8294% | 2,680 |
| Net loans and leases to core deposits | 87.5313% | 2,769 |
| Total domestic deposits to total assets | 83.9822% | 3,074 |
| Equity capital to assets | 10.7105% | 2,919 |
| Core capital (leverage) ratio | 11.1034% | 2,434 |
| Tier 1 risk-based capital ratio | 12.5745% | 4,138 |
| Total risk-based capital ratio | 13.4427% | 4,255 |
| Memoranda: | ||
| Average total assets | $538,608,330 | 1,320 |
| Average earning assets | $501,260,330 | 1,312 |
| Average equity | $56,893,000 | 1,381 |
| Average total loans | $382,414,330 | 1,306 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,594 |
| Cost of funding earning assets | 0.3354% | 4,097 |
| Net interest margin | 3.9463% | 1,876 |
| Noninterest income to average assets | 0.7783% | 1,525 |
| Noninterest expense to average assets | 2.8041% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3281% | 1,551 |
| Return on assets (ROA) | 1.3281% | 1,559 |
| Pretax return on assets | 1.6396% | 1,271 |
| Return on Equity (ROE) | 12.6633% | 1,364 |
| Retained earnings to average equity (ytd only) | 8.9526% | 1,471 |
| Net charge-offs to loans | 0.0869% | 1,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 26.4458% | 1,323 |
| Efficiency ratio | 63.1030% | 3,616 |
| Assets per employee ($millions) | 4.4944% | 3,171 |
| Cash dividends to net income (ytd only)* | 29.3026% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,693 |
| Loan loss allowance to noncurrent loans | 78.1842% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 1,128 |
| Noncurrent loans to loans | 1.8407% | 899 |
| Net loans and leases to total assets | 70.3913% | 2,413 |
| Net loans and leases to deposits | 83.7116% | 2,419 |
| Net loans and leases to core deposits | 88.3216% | 2,603 |
| Total domestic deposits to total assets | 84.0879% | 3,289 |
| Equity capital to assets | 10.6782% | 2,885 |
| Core capital (leverage) ratio | 10.8107% | 2,622 |
| Tier 1 risk-based capital ratio | 12.2092% | 4,426 |
| Total risk-based capital ratio | 13.3721% | 4,371 |
| Memoranda: | ||
| Average total assets | $535,497,500 | 1,338 |
| Average earning assets | $497,381,000 | 1,333 |
| Average equity | $56,162,500 | 1,403 |
| Average total loans | $382,080,500 | 1,310 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 2,846 |
| Cost of funding earning assets | 0.2692% | 4,404 |
| Net interest margin | 3.8895% | 2,120 |
| Noninterest income to average assets | 0.8787% | 1,331 |
| Noninterest expense to average assets | 2.8182% | 2,711 |
| Loan and lease loss provision to assets | 0.0284% | 3,705 |
| Net operating income to assets | 1.0810% | 1,927 |
| Return on assets (ROA) | 1.0810% | 1,949 |
| Pretax return on assets | 1.6532% | 1,143 |
| Return on Equity (ROE) | 10.6346% | 1,622 |
| Retained earnings to average equity (ytd only) | 8.7285% | 552 |
| Net charge-offs to loans | -0.0996% | 5,375 |
| Credit loss provision to net charge-offs | -40.3226% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6290% | 3,840 |
| Assets per employee ($millions) | 4.5054% | 3,174 |
| Cash dividends to net income (ytd only)* | 17.9235% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,631 |
| Loan loss allowance to noncurrent loans | 77.0216% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 1,085 |
| Noncurrent loans to loans | 1.8643% | 848 |
| Net loans and leases to total assets | 70.2597% | 2,488 |
| Net loans and leases to deposits | 88.8998% | 1,907 |
| Net loans and leases to core deposits | 94.2529% | 2,170 |
| Total domestic deposits to total assets | 79.0325% | 4,534 |
| Equity capital to assets | 10.3013% | 3,386 |
| Core capital (leverage) ratio | 10.3942% | 2,972 |
| Tier 1 risk-based capital ratio | 11.7904% | 4,665 |
| Total risk-based capital ratio | 12.9561% | 4,598 |
| Memoranda: | ||
| Average total assets | $527,457,800 | 1,336 |
| Average earning assets | $491,067,200 | 1,326 |
| Average equity | $53,617,600 | 1,436 |
| Average total loans | $373,651,200 | 1,303 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 2,895 |
| Cost of funding earning assets | 0.2502% | 4,566 |
| Net interest margin | 3.8755% | 2,121 |
| Noninterest income to average assets | 0.8333% | 1,462 |
| Noninterest expense to average assets | 2.8217% | 2,656 |
| Loan and lease loss provision to assets | 0.0127% | 3,893 |
| Net operating income to assets | 1.1408% | 1,913 |
| Return on assets (ROA) | 1.1408% | 1,965 |
| Pretax return on assets | 1.6122% | 1,373 |
| Return on Equity (ROE) | 11.2618% | 1,588 |
| Retained earnings to average equity (ytd only) | 10.0063% | 583 |
| Net charge-offs to loans | -0.1489% | 5,477 |
| Credit loss provision to net charge-offs | -12.0773% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4575% | 3,649 |
| Assets per employee ($millions) | 4.5121% | 3,111 |
| Cash dividends to net income (ytd only)* | 11.1483% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 1,821 |
| Loan loss allowance to noncurrent loans | 71.6754% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4601% | 1,050 |
| Noncurrent loans to loans | 1.9791% | 864 |
| Net loans and leases to total assets | 70.8765% | 2,427 |
| Net loans and leases to deposits | 87.4064% | 2,137 |
| Net loans and leases to core deposits | 93.0836% | 2,340 |
| Total domestic deposits to total assets | 81.0885% | 4,022 |
| Equity capital to assets | 10.2880% | 3,598 |
| Core capital (leverage) ratio | 10.3667% | 3,116 |
| Tier 1 risk-based capital ratio | 11.4628% | 4,980 |
| Total risk-based capital ratio | 12.5983% | 4,932 |
| Memoranda: | ||
| Average total assets | $524,159,500 | 1,350 |
| Average earning assets | $488,693,000 | 1,343 |
| Average equity | $53,098,500 | 1,462 |
| Average total loans | $370,715,500 | 1,324 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 2,987 |
| Cost of funding earning assets | 0.2159% | 4,831 |
| Net interest margin | 3.8410% | 2,123 |
| Noninterest income to average assets | 0.8425% | 1,433 |
| Noninterest expense to average assets | 2.8248% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1318% | 1,847 |
| Return on assets (ROA) | 1.1318% | 1,897 |
| Pretax return on assets | 1.5972% | 1,355 |
| Return on Equity (ROE) | 11.2323% | 1,557 |
| Retained earnings to average equity (ytd only) | 9.3233% | 754 |
| Net charge-offs to loans | -0.2237% | 5,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8799% | 3,689 |
| Assets per employee ($millions) | 4.2994% | 3,434 |
| Cash dividends to net income (ytd only)* | 16.9952% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,802 |
| Loan loss allowance to noncurrent loans | 61.4487% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.7061% | 838 |
| Noncurrent loans to loans | 2.3317% | 677 |
| Net loans and leases to total assets | 70.5220% | 2,439 |
| Net loans and leases to deposits | 86.8657% | 2,123 |
| Net loans and leases to core deposits | 91.3754% | 2,387 |
| Total domestic deposits to total assets | 81.1852% | 4,135 |
| Equity capital to assets | 10.1724% | 3,707 |
| Core capital (leverage) ratio | 10.3221% | 3,114 |
| Tier 1 risk-based capital ratio | 11.4685% | 4,976 |
| Total risk-based capital ratio | 12.6256% | 4,929 |
| Memoranda: | ||
| Average total assets | $519,900,000 | 1,367 |
| Average earning assets | $484,505,000 | 1,359 |
| Average equity | $52,384,670 | 1,482 |
| Average total loans | $365,607,670 | 1,339 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,100 |
| Cost of funding earning assets | 0.2032% | 4,952 |
| Net interest margin | 3.7811% | 2,181 |
| Noninterest income to average assets | 0.8187% | 1,491 |
| Noninterest expense to average assets | 2.7961% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0996% | 1,872 |
| Return on assets (ROA) | 1.0996% | 1,913 |
| Pretax return on assets | 1.5459% | 1,390 |
| Return on Equity (ROE) | 10.9675% | 1,580 |
| Retained earnings to average equity (ytd only) | 7.0975% | 1,815 |
| Net charge-offs to loans | -0.0200% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3968% | 3,771 |
| Assets per employee ($millions) | 4.3695% | 3,385 |
| Cash dividends to net income (ytd only)* | 35.2858% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 2,114 |
| Loan loss allowance to noncurrent loans | 70.7454% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.4136% | 1,175 |
| Noncurrent loans to loans | 1.9641% | 910 |
| Net loans and leases to total assets | 68.0792% | 2,670 |
| Net loans and leases to deposits | 81.2146% | 2,601 |
| Net loans and leases to core deposits | 85.6736% | 2,747 |
| Total domestic deposits to total assets | 83.8264% | 3,538 |
| Equity capital to assets | 9.9513% | 3,812 |
| Core capital (leverage) ratio | 10.1932% | 3,245 |
| Tier 1 risk-based capital ratio | 11.5235% | 5,013 |
| Total risk-based capital ratio | 12.6338% | 5,002 |
| Memoranda: | ||
| Average total assets | $515,439,000 | 1,377 |
| Average earning assets | $480,278,000 | 1,374 |
| Average equity | $51,680,000 | 1,498 |
| Average total loans | $359,233,000 | 1,367 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 2,847 |
| Cost of funding earning assets | 0.2199% | 4,834 |
| Net interest margin | 3.8808% | 2,029 |
| Noninterest income to average assets | 0.8742% | 1,500 |
| Noninterest expense to average assets | 3.0381% | 2,227 |
| Loan and lease loss provision to assets | 0.0088% | 4,192 |
| Net operating income to assets | 1.0411% | 2,178 |
| Return on assets (ROA) | 1.0411% | 2,278 |
| Pretax return on assets | 1.4359% | 1,797 |
| Return on Equity (ROE) | 10.5572% | 1,748 |
| Retained earnings to average equity (ytd only) | 6.5641% | 1,424 |
| Net charge-offs to loans | -0.0357% | 5,307 |
| Credit loss provision to net charge-offs | -35.2000% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7718% | 3,284 |
| Assets per employee ($millions) | 4.0523% | 3,865 |
| Cash dividends to net income (ytd only)* | 37.8233% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 2,053 |
| Loan loss allowance to noncurrent loans | 92.8664% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.1251% | 1,652 |
| Noncurrent loans to loans | 1.5140% | 1,319 |
| Net loans and leases to total assets | 69.3842% | 2,568 |
| Net loans and leases to deposits | 84.0004% | 2,417 |
| Net loans and leases to core deposits | 89.2248% | 2,574 |
| Total domestic deposits to total assets | 82.5999% | 3,895 |
| Equity capital to assets | 10.1042% | 3,602 |
| Core capital (leverage) ratio | 10.0602% | 3,417 |
| Tier 1 risk-based capital ratio | 11.6366% | 4,961 |
| Total risk-based capital ratio | 12.7737% | 4,941 |
| Memoranda: | ||
| Average total assets | $501,273,600 | 1,374 |
| Average earning assets | $466,115,400 | 1,363 |
| Average equity | $49,435,600 | 1,535 |
| Average total loans | $349,769,400 | 1,343 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 2,869 |
| Cost of funding earning assets | 0.2237% | 4,848 |
| Net interest margin | 3.8782% | 2,057 |
| Noninterest income to average assets | 0.8763% | 1,485 |
| Noninterest expense to average assets | 3.0799% | 2,080 |
| Loan and lease loss provision to assets | 0.1720% | 1,314 |
| Net operating income to assets | 0.9166% | 2,826 |
| Return on assets (ROA) | 0.9166% | 2,948 |
| Pretax return on assets | 1.2305% | 2,702 |
| Return on Equity (ROE) | 9.3523% | 2,332 |
| Retained earnings to average equity (ytd only) | 5.3524% | 2,584 |
| Net charge-offs to loans | -0.0337% | 5,208 |
| Credit loss provision to net charge-offs | -732.9545% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7113% | 3,095 |
| Assets per employee ($millions) | 4.1824% | 3,629 |
| Cash dividends to net income (ytd only)* | 42.7699% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 1,509 |
| Loan loss allowance to noncurrent loans | 101.1978% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 1,752 |
| Noncurrent loans to loans | 1.5708% | 1,383 |
| Net loans and leases to total assets | 68.2133% | 2,768 |
| Net loans and leases to deposits | 81.6582% | 2,771 |
| Net loans and leases to core deposits | 87.3267% | 2,821 |
| Total domestic deposits to total assets | 83.5352% | 3,384 |
| Equity capital to assets | 9.9479% | 4,176 |
| Core capital (leverage) ratio | 9.9583% | 3,623 |
| Tier 1 risk-based capital ratio | 11.5879% | 5,038 |
| Total risk-based capital ratio | 12.8384% | 4,944 |
| Memoranda: | ||
| Average total assets | $499,956,500 | 1,379 |
| Average earning assets | $464,876,750 | 1,368 |
| Average equity | $48,999,000 | 1,554 |
| Average total loans | $348,093,750 | 1,347 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 2,821 |
| Cost of funding earning assets | 0.2236% | 4,905 |
| Net interest margin | 3.8855% | 2,026 |
| Noninterest income to average assets | 0.8214% | 1,639 |
| Noninterest expense to average assets | 3.0627% | 2,164 |
| Loan and lease loss provision to assets | 0.2410% | 818 |
| Net operating income to assets | 0.8515% | 3,090 |
| Return on assets (ROA) | 0.8515% | 3,210 |
| Pretax return on assets | 1.1263% | 3,100 |
| Return on Equity (ROE) | 8.7331% | 2,617 |
| Retained earnings to average equity (ytd only) | 4.6961% | 2,923 |
| Net charge-offs to loans | 0.0156% | 3,214 |
| Credit loss provision to net charge-offs | 2,222.2222% | 192 |
| Earnings coverage of net charge-offs (x) | 126.0741% | 471 |
| Efficiency ratio | 69.1359% | 3,127 |
| Assets per employee ($millions) | 4.0586% | 3,800 |
| Cash dividends to net income (ytd only)* | 46.2264% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,747 |
| Loan loss allowance to noncurrent loans | 96.5419% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 1,787 |
| Noncurrent loans to loans | 1.5868% | 1,354 |
| Net loans and leases to total assets | 69.1735% | 2,609 |
| Net loans and leases to deposits | 83.2192% | 2,561 |
| Net loans and leases to core deposits | 88.9042% | 2,650 |
| Total domestic deposits to total assets | 83.1220% | 3,604 |
| Equity capital to assets | 9.8195% | 4,426 |
| Core capital (leverage) ratio | 9.9226% | 3,658 |
| Tier 1 risk-based capital ratio | 11.1367% | 5,339 |
| Total risk-based capital ratio | 12.3630% | 5,275 |
| Memoranda: | ||
| Average total assets | $497,919,670 | 1,391 |
| Average earning assets | $462,432,330 | 1,381 |
| Average equity | $48,551,000 | 1,566 |
| Average total loans | $347,198,000 | 1,346 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 2,806 |
| Cost of funding earning assets | 0.2258% | 4,943 |
| Net interest margin | 3.8869% | 1,975 |
| Noninterest income to average assets | 0.8279% | 1,528 |
| Noninterest expense to average assets | 2.9020% | 2,703 |
| Loan and lease loss provision to assets | 0.1817% | 1,111 |
| Net operating income to assets | 0.9886% | 2,331 |
| Return on assets (ROA) | 0.9886% | 2,444 |
| Pretax return on assets | 1.3585% | 2,056 |
| Return on Equity (ROE) | 10.1752% | 1,916 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,333 |
| Net charge-offs to loans | -0.0151% | 4,717 |
| Credit loss provision to net charge-offs | -1,730.7692% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3273% | 3,914 |
| Assets per employee ($millions) | 4.2116% | 3,570 |
| Cash dividends to net income (ytd only)* | 40.0327% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 2,120 |
| Loan loss allowance to noncurrent loans | 87.2125% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 1,751 |
| Noncurrent loans to loans | 1.6843% | 1,342 |
| Net loans and leases to total assets | 69.1646% | 2,473 |
| Net loans and leases to deposits | 83.5387% | 2,360 |
| Net loans and leases to core deposits | 88.9239% | 2,465 |
| Total domestic deposits to total assets | 82.7935% | 3,969 |
| Equity capital to assets | 9.9580% | 4,133 |
| Core capital (leverage) ratio | 9.8665% | 3,704 |
| Tier 1 risk-based capital ratio | 11.1375% | 5,432 |
| Total risk-based capital ratio | 12.2929% | 5,392 |
| Memoranda: | ||
| Average total assets | $495,243,500 | 1,395 |
| Average earning assets | $460,520,500 | 1,387 |
| Average equity | $48,117,000 | 1,569 |
| Average total loans | $344,023,500 | 1,351 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 2,904 |
| Cost of funding earning assets | 0.2080% | 5,216 |
| Net interest margin | 3.8949% | 2,048 |
| Noninterest income to average assets | 1.2375% | 783 |
| Noninterest expense to average assets | 3.2211% | 1,912 |
| Loan and lease loss provision to assets | 0.0052% | 4,288 |
| Net operating income to assets | 1.2266% | 1,464 |
| Return on assets (ROA) | 1.2266% | 1,524 |
| Pretax return on assets | 1.6183% | 1,197 |
| Return on Equity (ROE) | 12.8807% | 1,084 |
| Retained earnings to average equity (ytd only) | 4.2593% | 2,953 |
| Net charge-offs to loans | -0.1012% | 5,776 |
| Credit loss provision to net charge-offs | -7.6453% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4888% | 3,832 |
| Assets per employee ($millions) | 4.2180% | 3,539 |
| Cash dividends to net income (ytd only)* | 66.9329% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 2,349 |
| Loan loss allowance to noncurrent loans | 113.0486% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 2,355 |
| Noncurrent loans to loans | 1.2521% | 1,885 |
| Net loans and leases to total assets | 67.7696% | 2,735 |
| Net loans and leases to deposits | 85.1833% | 2,217 |
| Net loans and leases to core deposits | 89.6669% | 2,438 |
| Total domestic deposits to total assets | 79.5574% | 4,851 |
| Equity capital to assets | 9.4761% | 4,580 |
| Core capital (leverage) ratio | 9.6880% | 3,925 |
| Tier 1 risk-based capital ratio | 10.7940% | 5,626 |
| Total risk-based capital ratio | 11.9005% | 5,620 |
| Memoranda: | ||
| Average total assets | $479,769,400 | 1,409 |
| Average earning assets | $444,325,800 | 1,396 |
| Average equity | $45,688,600 | 1,612 |
| Average total loans | $323,139,400 | 1,379 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,829 |
| Cost of funding earning assets | 0.2089% | 5,302 |
| Net interest margin | 3.9164% | 1,978 |
| Noninterest income to average assets | 0.9322% | 1,366 |
| Noninterest expense to average assets | 3.1453% | 2,099 |
| Loan and lease loss provision to assets | 0.0070% | 4,118 |
| Net operating income to assets | 0.9768% | 2,589 |
| Return on assets (ROA) | 0.9768% | 2,671 |
| Pretax return on assets | 1.4040% | 1,995 |
| Return on Equity (ROE) | 10.2440% | 2,000 |
| Retained earnings to average equity (ytd only) | 0.0971% | 5,570 |
| Net charge-offs to loans | -0.1399% | 5,904 |
| Credit loss provision to net charge-offs | -7.4850% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0309% | 3,369 |
| Assets per employee ($millions) | 4.0675% | 3,767 |
| Cash dividends to net income (ytd only)* | 99.0522% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 2,243 |
| Loan loss allowance to noncurrent loans | 104.4583% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 2,300 |
| Noncurrent loans to loans | 1.4162% | 1,790 |
| Net loans and leases to total assets | 66.7323% | 2,892 |
| Net loans and leases to deposits | 81.3869% | 2,719 |
| Net loans and leases to core deposits | 85.7288% | 2,881 |
| Total domestic deposits to total assets | 81.9939% | 4,162 |
| Equity capital to assets | 9.3887% | 4,895 |
| Core capital (leverage) ratio | 9.4034% | 4,438 |
| Tier 1 risk-based capital ratio | 10.2667% | 5,959 |
| Total risk-based capital ratio | 11.3651% | 5,955 |
| Memoranda: | ||
| Average total assets | $475,280,250 | 1,425 |
| Average earning assets | $439,810,500 | 1,415 |
| Average equity | $45,319,500 | 1,637 |
| Average total loans | $318,386,750 | 1,399 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 2,924 |
| Cost of funding earning assets | 0.2062% | 5,388 |
| Net interest margin | 3.8863% | 2,031 |
| Noninterest income to average assets | 0.9395% | 1,333 |
| Noninterest expense to average assets | 3.0913% | 2,268 |
| Loan and lease loss provision to assets | 0.0106% | 3,896 |
| Net operating income to assets | 0.9886% | 2,446 |
| Return on assets (ROA) | 0.9886% | 2,559 |
| Pretax return on assets | 1.4286% | 1,870 |
| Return on Equity (ROE) | 10.3141% | 1,928 |
| Retained earnings to average equity (ytd only) | -2.7563% | 5,903 |
| Net charge-offs to loans | -0.2144% | 6,043 |
| Credit loss provision to net charge-offs | -7.3964% | 4,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2336% | 3,644 |
| Assets per employee ($millions) | 3.9016% | 4,072 |
| Cash dividends to net income (ytd only)* | 126.7238% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 2,301 |
| Loan loss allowance to noncurrent loans | 101.3784% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 2,376 |
| Noncurrent loans to loans | 1.4787% | 1,795 |
| Net loans and leases to total assets | 66.4611% | 2,873 |
| Net loans and leases to deposits | 79.5828% | 2,846 |
| Net loans and leases to core deposits | 83.9721% | 2,987 |
| Total domestic deposits to total assets | 83.5119% | 3,754 |
| Equity capital to assets | 9.2840% | 4,915 |
| Core capital (leverage) ratio | 9.3893% | 4,436 |
| Tier 1 risk-based capital ratio | 10.2187% | 6,028 |
| Total risk-based capital ratio | 11.3290% | 6,010 |
| Memoranda: | ||
| Average total assets | $472,361,330 | 1,441 |
| Average earning assets | $436,456,000 | 1,439 |
| Average equity | $45,277,670 | 1,643 |
| Average total loans | $315,229,330 | 1,415 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 2,965 |
| Cost of funding earning assets | 0.2068% | 5,447 |
| Net interest margin | 3.8597% | 2,032 |
| Noninterest income to average assets | 0.8698% | 1,497 |
| Noninterest expense to average assets | 2.9347% | 2,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0295% | 2,130 |
| Return on assets (ROA) | 1.0295% | 2,271 |
| Pretax return on assets | 1.5032% | 1,559 |
| Return on Equity (ROE) | 10.5697% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.3628% | 2,303 |
| Net charge-offs to loans | 0.1312% | 1,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.2647% | 1,530 |
| Efficiency ratio | 66.1281% | 4,137 |
| Assets per employee ($millions) | 4.0826% | 3,802 |
| Cash dividends to net income (ytd only)* | 39.8010% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 2,934 |
| Loan loss allowance to noncurrent loans | 86.0588% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 2,308 |
| Noncurrent loans to loans | 1.6231% | 1,718 |
| Net loans and leases to total assets | 65.4210% | 2,860 |
| Net loans and leases to deposits | 76.7111% | 2,968 |
| Net loans and leases to core deposits | 80.4876% | 3,107 |
| Total domestic deposits to total assets | 85.2823% | 3,275 |
| Equity capital to assets | 9.7347% | 4,453 |
| Core capital (leverage) ratio | 9.8262% | 3,852 |
| Tier 1 risk-based capital ratio | 10.8241% | 5,892 |
| Total risk-based capital ratio | 11.8562% | 5,905 |
| Memoranda: | ||
| Average total assets | $468,596,500 | 1,454 |
| Average earning assets | $433,196,500 | 1,449 |
| Average equity | $45,640,000 | 1,638 |
| Average total loans | $310,946,500 | 1,436 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 3,047 |
| Cost of funding earning assets | 0.2622% | 5,196 |
| Net interest margin | 3.9076% | 2,209 |
| Noninterest income to average assets | 0.8875% | 1,547 |
| Noninterest expense to average assets | 2.8550% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1440% | 1,797 |
| Return on assets (ROA) | 1.1440% | 1,863 |
| Pretax return on assets | 1.6186% | 1,182 |
| Return on Equity (ROE) | 11.9995% | 1,414 |
| Retained earnings to average equity (ytd only) | 7.6129% | 1,152 |
| Net charge-offs to loans | 0.3129% | 1,406 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.9761% | 2,943 |
| Efficiency ratio | 63.8182% | 4,617 |
| Assets per employee ($millions) | 3.9625% | 4,036 |
| Cash dividends to net income (ytd only)* | 36.5562% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,645 |
| Loan loss allowance to noncurrent loans | 87.4076% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.2055% | 2,366 |
| Noncurrent loans to loans | 1.6699% | 1,751 |
| Net loans and leases to total assets | 65.3977% | 2,990 |
| Net loans and leases to deposits | 83.3814% | 2,286 |
| Net loans and leases to core deposits | 88.5782% | 2,434 |
| Total domestic deposits to total assets | 78.4320% | 5,361 |
| Equity capital to assets | 9.7449% | 4,421 |
| Core capital (leverage) ratio | 9.9600% | 3,635 |
| Tier 1 risk-based capital ratio | 12.9395% | 4,761 |
| Total risk-based capital ratio | 14.1901% | 4,680 |
| Memoranda: | ||
| Average total assets | $453,835,400 | 1,464 |
| Average earning assets | $416,500,400 | 1,476 |
| Average equity | $43,268,400 | 1,663 |
| Average total loans | $294,337,200 | 1,452 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 3,091 |
| Cost of funding earning assets | 0.2788% | 5,109 |
| Net interest margin | 3.8911% | 2,280 |
| Noninterest income to average assets | 0.8849% | 1,572 |
| Noninterest expense to average assets | 2.8580% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1381% | 1,909 |
| Return on assets (ROA) | 1.1381% | 1,968 |
| Pretax return on assets | 1.5930% | 1,345 |
| Return on Equity (ROE) | 12.0053% | 1,479 |
| Retained earnings to average equity (ytd only) | 7.5871% | 1,542 |
| Net charge-offs to loans | 0.3624% | 1,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.8180% | 3,022 |
| Efficiency ratio | 64.2113% | 4,505 |
| Assets per employee ($millions) | 3.8837% | 4,118 |
| Cash dividends to net income (ytd only)* | 36.8025% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 2,482 |
| Loan loss allowance to noncurrent loans | 94.8286% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 2,591 |
| Noncurrent loans to loans | 1.6402% | 1,987 |
| Net loans and leases to total assets | 64.9225% | 3,037 |
| Net loans and leases to deposits | 78.1965% | 2,929 |
| Net loans and leases to core deposits | 82.9956% | 2,999 |
| Total domestic deposits to total assets | 83.0248% | 4,140 |
| Equity capital to assets | 9.8039% | 4,415 |
| Core capital (leverage) ratio | 9.8091% | 3,928 |
| Tier 1 risk-based capital ratio | 12.9768% | 4,878 |
| Total risk-based capital ratio | 14.2280% | 4,797 |
| Memoranda: | ||
| Average total assets | $451,392,250 | 1,482 |
| Average earning assets | $413,686,750 | 1,491 |
| Average equity | $42,791,000 | 1,690 |
| Average total loans | $291,001,500 | 1,481 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 3,260 |
| Cost of funding earning assets | 0.2914% | 5,062 |
| Net interest margin | 3.8299% | 2,447 |
| Noninterest income to average assets | 0.8776% | 1,565 |
| Noninterest expense to average assets | 2.8250% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1322% | 1,810 |
| Return on assets (ROA) | 1.1322% | 1,903 |
| Pretax return on assets | 1.5564% | 1,374 |
| Return on Equity (ROE) | 12.0806% | 1,396 |
| Retained earnings to average equity (ytd only) | 7.6490% | 1,453 |
| Net charge-offs to loans | 0.0547% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 44.4937% | 979 |
| Efficiency ratio | 64.4770% | 4,617 |
| Assets per employee ($millions) | 3.9219% | 4,012 |
| Cash dividends to net income (ytd only)* | 36.6836% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 1,729 |
| Loan loss allowance to noncurrent loans | 89.1061% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 2,290 |
| Noncurrent loans to loans | 2.0645% | 1,623 |
| Net loans and leases to total assets | 62.5499% | 3,315 |
| Net loans and leases to deposits | 73.2488% | 3,428 |
| Net loans and leases to core deposits | 77.9946% | 3,438 |
| Total domestic deposits to total assets | 85.3937% | 3,327 |
| Equity capital to assets | 9.5439% | 4,693 |
| Core capital (leverage) ratio | 9.6395% | 4,128 |
| Tier 1 risk-based capital ratio | 12.9946% | 4,913 |
| Total risk-based capital ratio | 14.2487% | 4,852 |
| Memoranda: | ||
| Average total assets | $451,688,000 | 1,480 |
| Average earning assets | $413,217,000 | 1,487 |
| Average equity | $42,332,330 | 1,695 |
| Average total loans | $288,968,670 | 1,483 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1766% | 2,958 |
| Cost of funding earning assets | 0.2964% | 5,101 |
| Net interest margin | 3.8802% | 2,155 |
| Noninterest income to average assets | 0.8017% | 1,739 |
| Noninterest expense to average assets | 2.8334% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1172% | 1,745 |
| Return on assets (ROA) | 1.1172% | 1,807 |
| Pretax return on assets | 1.5287% | 1,344 |
| Return on Equity (ROE) | 12.0319% | 1,397 |
| Retained earnings to average equity (ytd only) | 7.5427% | 1,799 |
| Net charge-offs to loans | 0.1789% | 1,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,669 |
| Efficiency ratio | 64.9552% | 4,699 |
| Assets per employee ($millions) | 3.9802% | 3,982 |
| Cash dividends to net income (ytd only)* | 37.3111% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8696% | 1,841 |
| Loan loss allowance to noncurrent loans | 88.1234% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.4334% | 2,476 |
| Noncurrent loans to loans | 2.1215% | 1,732 |
| Net loans and leases to total assets | 61.1128% | 3,375 |
| Net loans and leases to deposits | 71.5130% | 3,407 |
| Net loans and leases to core deposits | 76.2099% | 3,389 |
| Total domestic deposits to total assets | 85.4569% | 3,642 |
| Equity capital to assets | 9.3371% | 4,716 |
| Core capital (leverage) ratio | 9.4585% | 4,336 |
| Tier 1 risk-based capital ratio | 13.2114% | 4,888 |
| Total risk-based capital ratio | 14.4660% | 4,821 |
| Memoranda: | ||
| Average total assets | $450,061,500 | 1,484 |
| Average earning assets | $412,971,500 | 1,498 |
| Average equity | $41,789,000 | 1,710 |
| Average total loans | $288,504,000 | 1,486 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 3,022 |
| Cost of funding earning assets | 0.3484% | 5,153 |
| Net interest margin | 3.9353% | 2,160 |
| Noninterest income to average assets | 1.1559% | 1,056 |
| Noninterest expense to average assets | 3.1219% | 2,670 |
| Loan and lease loss provision to assets | 0.1801% | 2,047 |
| Net operating income to assets | 1.0676% | 2,050 |
| Return on assets (ROA) | 1.0699% | 2,119 |
| Pretax return on assets | 1.4474% | 1,631 |
| Return on Equity (ROE) | 10.7809% | 1,834 |
| Retained earnings to average equity (ytd only) | -7.5623% | 6,484 |
| Net charge-offs to loans | 0.1898% | 2,943 |
| Credit loss provision to net charge-offs | 147.0588% | 1,582 |
| Earnings coverage of net charge-offs (x) | 13.2647% | 2,044 |
| Efficiency ratio | 65.7766% | 4,597 |
| Assets per employee ($millions) | 3.8481% | 4,163 |
| Cash dividends to net income (ytd only)* | 170.1452% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 1,952 |
| Loan loss allowance to noncurrent loans | 78.4689% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.8500% | 1,976 |
| Noncurrent loans to loans | 2.3425% | 1,637 |
| Net loans and leases to total assets | 64.7471% | 2,913 |
| Net loans and leases to deposits | 80.4140% | 2,400 |
| Net loans and leases to core deposits | 86.3345% | 2,406 |
| Total domestic deposits to total assets | 80.5173% | 5,315 |
| Equity capital to assets | 9.2324% | 4,769 |
| Core capital (leverage) ratio | 9.4778% | 4,300 |
| Tier 1 risk-based capital ratio | 12.6096% | 5,227 |
| Total risk-based capital ratio | 13.8643% | 5,170 |
| Memoranda: | ||
| Average total assets | $444,242,400 | 1,495 |
| Average earning assets | $405,303,800 | 1,498 |
| Average equity | $44,087,400 | 1,588 |
| Average total loans | $286,649,400 | 1,480 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 3,000 |
| Cost of funding earning assets | 0.3618% | 5,181 |
| Net interest margin | 3.9366% | 2,157 |
| Noninterest income to average assets | 1.2257% | 980 |
| Noninterest expense to average assets | 3.1810% | 2,416 |
| Loan and lease loss provision to assets | 0.1653% | 2,191 |
| Net operating income to assets | 1.0829% | 2,075 |
| Return on assets (ROA) | 1.0860% | 2,141 |
| Pretax return on assets | 1.4703% | 1,701 |
| Return on Equity (ROE) | 10.7541% | 1,903 |
| Retained earnings to average equity (ytd only) | -11.9117% | 6,671 |
| Net charge-offs to loans | 0.1620% | 2,938 |
| Credit loss provision to net charge-offs | 158.9595% | 1,483 |
| Earnings coverage of net charge-offs (x) | 15.6908% | 1,846 |
| Efficiency ratio | 66.1005% | 4,460 |
| Assets per employee ($millions) | 3.8470% | 4,136 |
| Cash dividends to net income (ytd only)* | 210.7636% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 2,229 |
| Loan loss allowance to noncurrent loans | 69.0099% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.0666% | 1,946 |
| Noncurrent loans to loans | 2.6416% | 1,601 |
| Net loans and leases to total assets | 64.6882% | 2,878 |
| Net loans and leases to deposits | 78.1453% | 2,646 |
| Net loans and leases to core deposits | 84.4576% | 2,602 |
| Total domestic deposits to total assets | 82.7794% | 4,657 |
| Equity capital to assets | 9.1503% | 4,990 |
| Core capital (leverage) ratio | 9.3146% | 4,673 |
| Tier 1 risk-based capital ratio | 12.4450% | 5,485 |
| Total risk-based capital ratio | 13.6995% | 5,426 |
| Memoranda: | ||
| Average total assets | $443,709,250 | 1,500 |
| Average earning assets | $404,259,500 | 1,508 |
| Average equity | $44,806,500 | 1,578 |
| Average total loans | $284,705,000 | 1,491 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 3,072 |
| Cost of funding earning assets | 0.3738% | 5,193 |
| Net interest margin | 3.8966% | 2,222 |
| Noninterest income to average assets | 1.3237% | 887 |
| Noninterest expense to average assets | 3.3270% | 1,998 |
| Loan and lease loss provision to assets | 0.1806% | 2,103 |
| Net operating income to assets | 1.0179% | 2,254 |
| Return on assets (ROA) | 1.0179% | 2,376 |
| Pretax return on assets | 1.3652% | 2,061 |
| Return on Equity (ROE) | 9.7722% | 2,288 |
| Retained earnings to average equity (ytd only) | 5.0985% | 2,988 |
| Net charge-offs to loans | 0.1641% | 2,802 |
| Credit loss provision to net charge-offs | 173.1602% | 1,366 |
| Earnings coverage of net charge-offs (x) | 14.8182% | 1,794 |
| Efficiency ratio | 68.2762% | 4,132 |
| Assets per employee ($millions) | 3.6918% | 4,416 |
| Cash dividends to net income (ytd only)* | 47.8261% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,253 |
| Loan loss allowance to noncurrent loans | 75.1376% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.9630% | 2,197 |
| Noncurrent loans to loans | 2.4664% | 1,889 |
| Net loans and leases to total assets | 63.1320% | 3,080 |
| Net loans and leases to deposits | 73.6012% | 3,215 |
| Net loans and leases to core deposits | 79.2548% | 3,119 |
| Total domestic deposits to total assets | 85.7758% | 3,489 |
| Equity capital to assets | 10.2945% | 3,551 |
| Core capital (leverage) ratio | 10.4680% | 2,925 |
| Tier 1 risk-based capital ratio | 14.3951% | 4,164 |
| Total risk-based capital ratio | 15.6500% | 4,122 |
| Memoranda: | ||
| Average total assets | $442,862,330 | 1,499 |
| Average earning assets | $403,379,670 | 1,508 |
| Average equity | $46,131,000 | 1,538 |
| Average total loans | $281,596,330 | 1,509 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 3,073 |
| Cost of funding earning assets | 0.3813% | 5,273 |
| Net interest margin | 3.8746% | 2,199 |
| Noninterest income to average assets | 1.5739% | 622 |
| Noninterest expense to average assets | 3.3891% | 1,859 |
| Loan and lease loss provision to assets | 0.1814% | 2,041 |
| Net operating income to assets | 1.1294% | 1,747 |
| Return on assets (ROA) | 1.1294% | 1,865 |
| Pretax return on assets | 1.5340% | 1,473 |
| Return on Equity (ROE) | 10.7784% | 1,765 |
| Retained earnings to average equity (ytd only) | 6.1121% | 2,616 |
| Net charge-offs to loans | 0.1550% | 2,472 |
| Credit loss provision to net charge-offs | 185.1852% | 1,165 |
| Earnings coverage of net charge-offs (x) | 17.5093% | 1,311 |
| Efficiency ratio | 66.3942% | 4,593 |
| Assets per employee ($millions) | 3.8601% | 4,231 |
| Cash dividends to net income (ytd only)* | 43.2932% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 2,330 |
| Loan loss allowance to noncurrent loans | 65.2169% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 2,150 |
| Noncurrent loans to loans | 2.8983% | 1,736 |
| Net loans and leases to total assets | 60.3141% | 3,375 |
| Net loans and leases to deposits | 70.2770% | 3,434 |
| Net loans and leases to core deposits | 76.1886% | 3,297 |
| Total domestic deposits to total assets | 85.8233% | 3,623 |
| Equity capital to assets | 10.2932% | 3,806 |
| Core capital (leverage) ratio | 10.3003% | 3,015 |
| Tier 1 risk-based capital ratio | 14.8088% | 3,965 |
| Total risk-based capital ratio | 16.0644% | 3,925 |
| Memoranda: | ||
| Average total assets | $440,941,000 | 1,522 |
| Average earning assets | $401,795,000 | 1,520 |
| Average equity | $46,203,500 | 1,548 |
| Average total loans | $278,725,000 | 1,530 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 2,338 |
| Cost of funding earning assets | 0.5344% | 4,956 |
| Net interest margin | 4.2312% | 1,572 |
| Noninterest income to average assets | 1.3287% | 875 |
| Noninterest expense to average assets | 3.9418% | 1,048 |
| Loan and lease loss provision to assets | 0.1995% | 3,141 |
| Net operating income to assets | 0.7853% | 3,346 |
| Return on assets (ROA) | 0.9586% | 2,754 |
| Pretax return on assets | 1.2473% | 2,612 |
| Return on Equity (ROE) | 9.2136% | 2,528 |
| Retained earnings to average equity (ytd only) | 4.3486% | 3,167 |
| Net charge-offs to loans | 0.3820% | 2,728 |
| Credit loss provision to net charge-offs | 80.1887% | 3,829 |
| Earnings coverage of net charge-offs (x) | 4.9113% | 3,209 |
| Efficiency ratio | 76.3396% | 2,690 |
| Assets per employee ($millions) | 3.5558% | 4,891 |
| Cash dividends to net income (ytd only)* | 52.8029% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 2,455 |
| Loan loss allowance to noncurrent loans | 88.7894% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.9412% | 2,522 |
| Noncurrent loans to loans | 2.0754% | 2,607 |
| Net loans and leases to total assets | 63.8346% | 2,923 |
| Net loans and leases to deposits | 75.3787% | 2,899 |
| Net loans and leases to core deposits | 81.5072% | 2,818 |
| Total domestic deposits to total assets | 84.6853% | 3,993 |
| Equity capital to assets | 10.6727% | 3,319 |
| Core capital (leverage) ratio | 10.6015% | 2,652 |
| Tier 1 risk-based capital ratio | 14.1916% | 4,249 |
| Total risk-based capital ratio | 15.4462% | 4,207 |
| Memoranda: | ||
| Average total assets | $426,127,000 | 1,539 |
| Average earning assets | $386,202,400 | 1,557 |
| Average equity | $44,336,600 | 1,573 |
| Average total loans | $277,522,000 | 1,501 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7992% | 2,393 |
| Cost of funding earning assets | 0.5725% | 4,889 |
| Net interest margin | 4.2267% | 1,656 |
| Noninterest income to average assets | 1.2264% | 991 |
| Noninterest expense to average assets | 4.1536% | 769 |
| Loan and lease loss provision to assets | 0.2431% | 2,622 |
| Net operating income to assets | 0.5320% | 4,699 |
| Return on assets (ROA) | 0.7756% | 3,821 |
| Pretax return on assets | 0.9629% | 3,860 |
| Return on Equity (ROE) | 7.5038% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.5943% | 5,011 |
| Net charge-offs to loans | 0.4694% | 2,223 |
| Credit loss provision to net charge-offs | 79.4872% | 3,638 |
| Earnings coverage of net charge-offs (x) | 2.9600% | 3,841 |
| Efficiency ratio | 82.1068% | 1,797 |
| Assets per employee ($millions) | 3.5005% | 4,982 |
| Cash dividends to net income (ytd only)* | 65.4266% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 2,614 |
| Loan loss allowance to noncurrent loans | 126.9599% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 1.6206% | 3,156 |
| Noncurrent loans to loans | 1.4643% | 3,596 |
| Net loans and leases to total assets | 64.3873% | 2,954 |
| Net loans and leases to deposits | 78.1105% | 2,649 |
| Net loans and leases to core deposits | 83.6163% | 2,740 |
| Total domestic deposits to total assets | 82.4310% | 4,861 |
| Equity capital to assets | 10.6091% | 3,723 |
| Core capital (leverage) ratio | 10.4526% | 2,975 |
| Tier 1 risk-based capital ratio | 13.9896% | 4,531 |
| Total risk-based capital ratio | 15.2443% | 4,478 |
| Memoranda: | ||
| Average total assets | $425,097,250 | 1,561 |
| Average earning assets | $385,445,000 | 1,570 |
| Average equity | $43,941,000 | 1,602 |
| Average total loans | $276,952,000 | 1,515 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 2,683 |
| Cost of funding earning assets | 0.6175% | 4,741 |
| Net interest margin | 4.1425% | 1,932 |
| Noninterest income to average assets | 1.0902% | 1,206 |
| Noninterest expense to average assets | 4.6667% | 471 |
| Loan and lease loss provision to assets | 0.3642% | 1,813 |
| Net operating income to assets | -0.1297% | 6,466 |
| Return on assets (ROA) | 0.3210% | 5,743 |
| Pretax return on assets | 0.2646% | 6,028 |
| Return on Equity (ROE) | 3.1324% | 5,639 |
| Retained earnings to average equity (ytd only) | -1.8161% | 6,335 |
| Net charge-offs to loans | 0.7085% | 1,562 |
| Credit loss provision to net charge-offs | 79.0816% | 3,344 |
| Earnings coverage of net charge-offs (x) | 0.3867% | 4,886 |
| Efficiency ratio | 96.3240% | 688 |
| Assets per employee ($millions) | 3.5128% | 4,951 |
| Cash dividends to net income (ytd only)* | 157.9795% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 2,713 |
| Loan loss allowance to noncurrent loans | 81.1095% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 2.1719% | 2,573 |
| Noncurrent loans to loans | 2.2774% | 2,642 |
| Net loans and leases to total assets | 63.9909% | 3,032 |
| Net loans and leases to deposits | 77.1105% | 2,820 |
| Net loans and leases to core deposits | 83.1067% | 2,815 |
| Total domestic deposits to total assets | 82.9860% | 4,761 |
| Equity capital to assets | 10.1441% | 4,129 |
| Core capital (leverage) ratio | 10.1216% | 3,245 |
| Tier 1 risk-based capital ratio | 13.2598% | 4,995 |
| Total risk-based capital ratio | 14.5141% | 4,960 |
| Memoranda: | ||
| Average total assets | $425,610,000 | 1,564 |
| Average earning assets | $385,754,670 | 1,571 |
| Average equity | $43,609,330 | 1,604 |
| Average total loans | $276,641,330 | 1,519 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 2,703 |
| Cost of funding earning assets | 0.6624% | 4,612 |
| Net interest margin | 4.1201% | 2,027 |
| Noninterest income to average assets | 1.0883% | 1,216 |
| Noninterest expense to average assets | 3.0887% | 2,957 |
| Loan and lease loss provision to assets | 0.4951% | 1,228 |
| Net operating income to assets | 0.9638% | 2,621 |
| Return on assets (ROA) | 0.9638% | 2,818 |
| Pretax return on assets | 1.2355% | 2,783 |
| Return on Equity (ROE) | 9.3596% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,944 |
| Net charge-offs to loans | -0.0174% | 6,126 |
| Credit loss provision to net charge-offs | -4,375.0000% | 6,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0900% | 4,906 |
| Assets per employee ($millions) | 3.5272% | 5,056 |
| Cash dividends to net income (ytd only)* | 52.7397% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 1,981 |
| Loan loss allowance to noncurrent loans | 95.1176% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 2.1031% | 2,776 |
| Noncurrent loans to loans | 2.2651% | 2,845 |
| Net loans and leases to total assets | 62.8126% | 3,091 |
| Net loans and leases to deposits | 76.4831% | 2,732 |
| Net loans and leases to core deposits | 81.8444% | 2,855 |
| Total domestic deposits to total assets | 82.1261% | 5,254 |
| Equity capital to assets | 10.2910% | 3,736 |
| Core capital (leverage) ratio | 10.1804% | 3,136 |
| Tier 1 risk-based capital ratio | 13.9232% | 4,514 |
| Total risk-based capital ratio | 15.1810% | 4,487 |
| Memoranda: | ||
| Average total assets | $424,133,000 | 1,569 |
| Average earning assets | $384,067,000 | 1,579 |
| Average equity | $43,677,000 | 1,595 |
| Average total loans | $275,260,500 | 1,528 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 3,646 |
| Cost of funding earning assets | 0.7825% | 4,991 |
| Net interest margin | 4.0537% | 2,621 |
| Noninterest income to average assets | 1.0978% | 1,102 |
| Noninterest expense to average assets | 3.2487% | 2,695 |
| Loan and lease loss provision to assets | 0.6733% | 1,520 |
| Net operating income to assets | 0.6922% | 3,529 |
| Return on assets (ROA) | 0.6922% | 3,716 |
| Pretax return on assets | 0.8450% | 3,800 |
| Return on Equity (ROE) | 7.0950% | 3,360 |
| Retained earnings to average equity (ytd only) | 2.6662% | 4,334 |
| Net charge-offs to loans | 0.7160% | 2,369 |
| Credit loss provision to net charge-offs | 145.5224% | 1,973 |
| Earnings coverage of net charge-offs (x) | 3.2816% | 3,574 |
| Efficiency ratio | 68.1491% | 4,330 |
| Assets per employee ($millions) | 3.4266% | 5,187 |
| Cash dividends to net income (ytd only)* | 62.4210% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 2,449 |
| Loan loss allowance to noncurrent loans | 69.7155% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.4521% | 2,485 |
| Noncurrent loans to loans | 2.7833% | 2,352 |
| Net loans and leases to total assets | 64.3391% | 3,109 |
| Net loans and leases to deposits | 81.2088% | 2,327 |
| Net loans and leases to core deposits | 86.9273% | 2,511 |
| Total domestic deposits to total assets | 79.2268% | 5,936 |
| Equity capital to assets | 10.3050% | 3,780 |
| Core capital (leverage) ratio | 10.0082% | 3,334 |
| Tier 1 risk-based capital ratio | 13.5632% | 4,650 |
| Total risk-based capital ratio | 14.8185% | 4,616 |
| Memoranda: | ||
| Average total assets | $434,418,600 | 1,501 |
| Average earning assets | $393,220,000 | 1,517 |
| Average equity | $42,381,800 | 1,585 |
| Average total loans | $280,710,200 | 1,518 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 4,009 |
| Cost of funding earning assets | 0.8045% | 5,121 |
| Net interest margin | 3.9980% | 2,919 |
| Noninterest income to average assets | 1.0257% | 1,281 |
| Noninterest expense to average assets | 3.2710% | 2,593 |
| Loan and lease loss provision to assets | 0.7083% | 1,355 |
| Net operating income to assets | 0.5685% | 4,229 |
| Return on assets (ROA) | 0.5685% | 4,402 |
| Pretax return on assets | 0.6663% | 4,591 |
| Return on Equity (ROE) | 5.9069% | 4,061 |
| Retained earnings to average equity (ytd only) | 1.4498% | 5,419 |
| Net charge-offs to loans | 0.9266% | 1,731 |
| Credit loss provision to net charge-offs | 118.7436% | 2,747 |
| Earnings coverage of net charge-offs (x) | 2.3044% | 3,978 |
| Efficiency ratio | 70.4112% | 3,878 |
| Assets per employee ($millions) | 3.3673% | 5,324 |
| Cash dividends to net income (ytd only)* | 75.4556% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 3,184 |
| Loan loss allowance to noncurrent loans | 58.2376% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.6122% | 2,474 |
| Noncurrent loans to loans | 2.9636% | 2,349 |
| Net loans and leases to total assets | 64.6575% | 3,174 |
| Net loans and leases to deposits | 80.1075% | 2,636 |
| Net loans and leases to core deposits | 85.6629% | 2,821 |
| Total domestic deposits to total assets | 80.7134% | 5,527 |
| Equity capital to assets | 10.0890% | 4,220 |
| Core capital (leverage) ratio | 9.8693% | 3,619 |
| Tier 1 risk-based capital ratio | 13.3327% | 4,855 |
| Total risk-based capital ratio | 14.5858% | 4,830 |
| Memoranda: | ||
| Average total assets | $437,654,250 | 1,503 |
| Average earning assets | $396,252,000 | 1,514 |
| Average equity | $42,119,000 | 1,601 |
| Average total loans | $281,752,750 | 1,528 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 4,289 |
| Cost of funding earning assets | 0.8196% | 5,248 |
| Net interest margin | 3.9329% | 3,155 |
| Noninterest income to average assets | 1.0016% | 1,312 |
| Noninterest expense to average assets | 3.2716% | 2,664 |
| Loan and lease loss provision to assets | 0.5768% | 1,681 |
| Net operating income to assets | 0.5890% | 4,113 |
| Return on assets (ROA) | 0.5890% | 4,246 |
| Pretax return on assets | 0.7134% | 4,339 |
| Return on Equity (ROE) | 6.2163% | 3,846 |
| Retained earnings to average equity (ytd only) | 1.7379% | 5,125 |
| Net charge-offs to loans | 0.1054% | 4,630 |
| Credit loss provision to net charge-offs | 855.7047% | 381 |
| Earnings coverage of net charge-offs (x) | 19.1409% | 1,228 |
| Efficiency ratio | 71.7176% | 3,790 |
| Assets per employee ($millions) | 3.4867% | 4,977 |
| Cash dividends to net income (ytd only)* | 72.0430% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9826% | 2,416 |
| Loan loss allowance to noncurrent loans | 51.9564% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 3.0801% | 2,178 |
| Noncurrent loans to loans | 3.8160% | 1,826 |
| Net loans and leases to total assets | 62.2653% | 3,835 |
| Net loans and leases to deposits | 76.8805% | 3,308 |
| Net loans and leases to core deposits | 81.9493% | 3,504 |
| Total domestic deposits to total assets | 80.9897% | 5,530 |
| Equity capital to assets | 9.6137% | 4,643 |
| Core capital (leverage) ratio | 9.6384% | 3,748 |
| Tier 1 risk-based capital ratio | 13.2490% | 4,730 |
| Total risk-based capital ratio | 14.5051% | 4,701 |
| Memoranda: | ||
| Average total assets | $442,110,670 | 1,499 |
| Average earning assets | $400,213,330 | 1,515 |
| Average equity | $41,890,000 | 1,599 |
| Average total loans | $282,620,330 | 1,537 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 4,112 |
| Cost of funding earning assets | 0.8308% | 5,390 |
| Net interest margin | 3.9575% | 2,881 |
| Noninterest income to average assets | 1.0404% | 1,217 |
| Noninterest expense to average assets | 3.0288% | 3,525 |
| Loan and lease loss provision to assets | 0.3622% | 2,388 |
| Net operating income to assets | 0.9390% | 2,406 |
| Return on assets (ROA) | 0.9390% | 2,468 |
| Pretax return on assets | 1.2251% | 2,294 |
| Return on Equity (ROE) | 9.9832% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.4681% | 2,927 |
| Net charge-offs to loans | -0.3827% | 7,379 |
| Credit loss provision to net charge-offs | -147.6015% | 5,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6140% | 5,102 |
| Assets per employee ($millions) | 3.5532% | 4,868 |
| Cash dividends to net income (ytd only)* | 45.2266% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 2,941 |
| Loan loss allowance to noncurrent loans | 57.9084% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.8829% | 2,394 |
| Noncurrent loans to loans | 3.1485% | 2,390 |
| Net loans and leases to total assets | 61.6046% | 3,947 |
| Net loans and leases to deposits | 75.9364% | 3,429 |
| Net loans and leases to core deposits | 80.8714% | 3,619 |
| Total domestic deposits to total assets | 81.1266% | 5,627 |
| Equity capital to assets | 9.3193% | 4,696 |
| Core capital (leverage) ratio | 9.3870% | 3,982 |
| Tier 1 risk-based capital ratio | 13.0113% | 4,816 |
| Total risk-based capital ratio | 14.2655% | 4,797 |
| Memoranda: | ||
| Average total assets | $441,762,500 | 1,515 |
| Average earning assets | $399,142,500 | 1,524 |
| Average equity | $41,550,000 | 1,610 |
| Average total loans | $283,284,500 | 1,547 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 4,056 |
| Cost of funding earning assets | 1.1401% | 4,911 |
| Net interest margin | 3.9710% | 3,144 |
| Noninterest income to average assets | 1.0778% | 1,286 |
| Noninterest expense to average assets | 3.2374% | 2,955 |
| Loan and lease loss provision to assets | 0.7574% | 2,166 |
| Net operating income to assets | 0.6002% | 3,667 |
| Return on assets (ROA) | 0.6002% | 3,829 |
| Pretax return on assets | 0.7002% | 3,978 |
| Return on Equity (ROE) | 6.3646% | 3,414 |
| Retained earnings to average equity (ytd only) | 1.7986% | 4,605 |
| Net charge-offs to loans | 0.8513% | 2,508 |
| Credit loss provision to net charge-offs | 135.2459% | 2,876 |
| Earnings coverage of net charge-offs (x) | 2.6029% | 3,799 |
| Efficiency ratio | 68.9544% | 4,382 |
| Assets per employee ($millions) | 3.4589% | 5,031 |
| Cash dividends to net income (ytd only)* | 71.7400% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,742 |
| Loan loss allowance to noncurrent loans | 73.1110% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 2.4921% | 2,778 |
| Noncurrent loans to loans | 2.1314% | 3,393 |
| Net loans and leases to total assets | 64.5195% | 3,755 |
| Net loans and leases to deposits | 80.4254% | 3,091 |
| Net loans and leases to core deposits | 85.9839% | 3,317 |
| Total domestic deposits to total assets | 80.2228% | 5,773 |
| Equity capital to assets | 9.4941% | 4,409 |
| Core capital (leverage) ratio | 9.2618% | 4,084 |
| Tier 1 risk-based capital ratio | 12.6985% | 4,866 |
| Total risk-based capital ratio | 13.9500% | 4,838 |
| Memoranda: | ||
| Average total assets | $435,717,200 | 1,533 |
| Average earning assets | $396,903,000 | 1,528 |
| Average equity | $41,086,600 | 1,610 |
| Average total loans | $286,628,800 | 1,564 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1229% | 4,203 |
| Cost of funding earning assets | 1.2115% | 4,794 |
| Net interest margin | 3.9114% | 3,483 |
| Noninterest income to average assets | 1.0380% | 1,344 |
| Noninterest expense to average assets | 3.2989% | 2,578 |
| Loan and lease loss provision to assets | 0.9410% | 1,597 |
| Net operating income to assets | 0.3914% | 4,786 |
| Return on assets (ROA) | 0.3914% | 4,965 |
| Pretax return on assets | 0.3688% | 5,318 |
| Return on Equity (ROE) | 4.1578% | 4,699 |
| Retained earnings to average equity (ytd only) | -0.4194% | 5,896 |
| Net charge-offs to loans | 1.1159% | 1,827 |
| Credit loss provision to net charge-offs | 128.0716% | 3,175 |
| Earnings coverage of net charge-offs (x) | 1.7826% | 4,382 |
| Efficiency ratio | 71.5803% | 3,785 |
| Assets per employee ($millions) | 3.6543% | 4,605 |
| Cash dividends to net income (ytd only)* | 110.0863% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 4,016 |
| Loan loss allowance to noncurrent loans | 50.9193% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.2555% | 3,131 |
| Noncurrent loans to loans | 2.9256% | 2,725 |
| Net loans and leases to total assets | 62.7484% | 4,374 |
| Net loans and leases to deposits | 77.2076% | 3,976 |
| Net loans and leases to core deposits | 82.3579% | 4,190 |
| Total domestic deposits to total assets | 81.2723% | 5,272 |
| Equity capital to assets | 9.1189% | 5,420 |
| Core capital (leverage) ratio | 9.2630% | 4,256 |
| Tier 1 risk-based capital ratio | 12.5173% | 4,965 |
| Total risk-based capital ratio | 13.7680% | 4,941 |
| Memoranda: | ||
| Average total assets | $435,691,500 | 1,559 |
| Average earning assets | $397,734,000 | 1,548 |
| Average equity | $41,014,000 | 1,614 |
| Average total loans | $286,876,000 | 1,575 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 3,998 |
| Cost of funding earning assets | 1.3204% | 4,410 |
| Net interest margin | 3.8719% | 3,576 |
| Noninterest income to average assets | 0.9497% | 1,517 |
| Noninterest expense to average assets | 3.4702% | 2,100 |
| Loan and lease loss provision to assets | 1.3222% | 1,030 |
| Net operating income to assets | -0.0320% | 6,120 |
| Return on assets (ROA) | -0.0320% | 6,211 |
| Pretax return on assets | -0.3071% | 6,435 |
| Return on Equity (ROE) | -0.3364% | 6,220 |
| Retained earnings to average equity (ytd only) | -4.9094% | 6,547 |
| Net charge-offs to loans | 1.5251% | 1,254 |
| Credit loss provision to net charge-offs | 130.1964% | 3,090 |
| Earnings coverage of net charge-offs (x) | 0.9995% | 4,789 |
| Efficiency ratio | 77.3686% | 2,837 |
| Assets per employee ($millions) | 3.4194% | 5,125 |
| Cash dividends to net income (ytd only)* | -1,359.4203% | 7,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,916 |
| Loan loss allowance to noncurrent loans | 72.6589% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.6417% | 3,973 |
| Noncurrent loans to loans | 2.0697% | 3,633 |
| Net loans and leases to total assets | 64.6403% | 4,122 |
| Net loans and leases to deposits | 80.0813% | 3,587 |
| Net loans and leases to core deposits | 85.6796% | 3,878 |
| Total domestic deposits to total assets | 80.7183% | 5,505 |
| Equity capital to assets | 9.3370% | 4,951 |
| Core capital (leverage) ratio | 9.2221% | 4,267 |
| Tier 1 risk-based capital ratio | 12.5129% | 4,850 |
| Total risk-based capital ratio | 13.7640% | 4,820 |
| Memoranda: | ||
| Average total assets | $431,097,670 | 1,588 |
| Average earning assets | $393,654,000 | 1,575 |
| Average equity | $41,023,000 | 1,610 |
| Average total loans | $287,067,330 | 1,594 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1691% | 4,201 |
| Cost of funding earning assets | 1.3874% | 4,260 |
| Net interest margin | 3.7816% | 3,870 |
| Noninterest income to average assets | 0.8005% | 2,018 |
| Noninterest expense to average assets | 3.1213% | 3,179 |
| Loan and lease loss provision to assets | 0.3478% | 3,293 |
| Net operating income to assets | 0.6447% | 3,694 |
| Return on assets (ROA) | 0.6447% | 3,810 |
| Pretax return on assets | 0.7875% | 3,922 |
| Return on Equity (ROE) | 6.7117% | 3,502 |
| Retained earnings to average equity (ytd only) | 2.1825% | 4,826 |
| Net charge-offs to loans | 0.2849% | 3,271 |
| Credit loss provision to net charge-offs | 182.0388% | 2,008 |
| Earnings coverage of net charge-offs (x) | 5.9417% | 2,311 |
| Efficiency ratio | 73.3275% | 3,702 |
| Assets per employee ($millions) | 3.4875% | 5,056 |
| Cash dividends to net income (ytd only)* | 67.4820% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 4,878 |
| Loan loss allowance to noncurrent loans | 50.2943% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.0987% | 3,389 |
| Noncurrent loans to loans | 2.6041% | 3,062 |
| Net loans and leases to total assets | 65.5159% | 3,983 |
| Net loans and leases to deposits | 81.3478% | 3,396 |
| Net loans and leases to core deposits | 87.4508% | 3,688 |
| Total domestic deposits to total assets | 80.5381% | 5,607 |
| Equity capital to assets | 9.5979% | 4,379 |
| Core capital (leverage) ratio | 9.4693% | 3,818 |
| Tier 1 risk-based capital ratio | 12.9278% | 4,390 |
| Total risk-based capital ratio | 14.1028% | 4,410 |
| Memoranda: | ||
| Average total assets | $431,225,000 | 1,617 |
| Average earning assets | $394,114,000 | 1,610 |
| Average equity | $41,420,500 | 1,612 |
| Average total loans | $289,226,000 | 1,626 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3918% | 4,738 |
| Cost of funding earning assets | 1.6205% | 4,929 |
| Net interest margin | 3.7714% | 3,832 |
| Noninterest income to average assets | 1.1925% | 1,086 |
| Noninterest expense to average assets | 3.2567% | 3,170 |
| Loan and lease loss provision to assets | 0.3669% | 4,596 |
| Net operating income to assets | 0.8371% | 2,394 |
| Return on assets (ROA) | 0.6341% | 3,258 |
| Pretax return on assets | 0.7613% | 3,373 |
| Return on Equity (ROE) | 6.2398% | 3,107 |
| Retained earnings to average equity (ytd only) | 0.7583% | 4,482 |
| Net charge-offs to loans | 0.4492% | 3,986 |
| Credit loss provision to net charge-offs | 125.3133% | 4,173 |
| Earnings coverage of net charge-offs (x) | 4.6884% | 2,848 |
| Efficiency ratio | 70.3461% | 4,548 |
| Assets per employee ($millions) | 3.3594% | 5,341 |
| Cash dividends to net income (ytd only)* | 87.8472% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 5,159 |
| Loan loss allowance to noncurrent loans | 68.7536% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 4,023 |
| Noncurrent loans to loans | 1.7926% | 3,949 |
| Net loans and leases to total assets | 66.9250% | 3,943 |
| Net loans and leases to deposits | 85.8788% | 2,939 |
| Net loans and leases to core deposits | 98.5727% | 4,169 |
| Total domestic deposits to total assets | 77.9296% | 6,233 |
| Equity capital to assets | 9.6128% | 4,257 |
| Core capital (leverage) ratio | 9.8629% | 3,253 |
| Tier 1 risk-based capital ratio | 12.5747% | 4,466 |
| Total risk-based capital ratio | 13.6722% | 4,536 |
| Memoranda: | ||
| Average total assets | $408,788,800 | 1,683 |
| Average earning assets | $372,545,600 | 1,689 |
| Average equity | $41,539,800 | 1,609 |
| Average total loans | $266,459,400 | 1,798 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4090% | 4,903 |
| Cost of funding earning assets | 1.6718% | 5,053 |
| Net interest margin | 3.7372% | 3,923 |
| Noninterest income to average assets | 1.2395% | 1,002 |
| Noninterest expense to average assets | 3.2826% | 2,985 |
| Loan and lease loss provision to assets | 0.3387% | 4,303 |
| Net operating income to assets | 0.8724% | 2,527 |
| Return on assets (ROA) | 0.5915% | 3,694 |
| Pretax return on assets | 0.6946% | 3,873 |
| Return on Equity (ROE) | 5.7383% | 3,633 |
| Retained earnings to average equity (ytd only) | -0.0577% | 5,221 |
| Net charge-offs to loans | 0.4263% | 3,552 |
| Credit loss provision to net charge-offs | 123.1971% | 4,096 |
| Earnings coverage of net charge-offs (x) | 4.9603% | 2,960 |
| Efficiency ratio | 70.6493% | 4,472 |
| Assets per employee ($millions) | 3.2776% | 5,455 |
| Cash dividends to net income (ytd only)* | 101.0056% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 4,748 |
| Loan loss allowance to noncurrent loans | 56.2631% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.9047% | 3,494 |
| Noncurrent loans to loans | 2.2422% | 3,328 |
| Net loans and leases to total assets | 64.9420% | 4,661 |
| Net loans and leases to deposits | 85.4687% | 3,422 |
| Net loans and leases to core deposits | 99.9571% | 4,377 |
| Total domestic deposits to total assets | 75.9834% | 6,580 |
| Equity capital to assets | 9.7669% | 4,399 |
| Core capital (leverage) ratio | 9.9129% | 3,385 |
| Tier 1 risk-based capital ratio | 12.9304% | 4,244 |
| Total risk-based capital ratio | 14.0334% | 4,272 |
| Memoranda: | ||
| Average total assets | $403,485,750 | 1,714 |
| Average earning assets | $367,821,500 | 1,722 |
| Average equity | $41,591,000 | 1,626 |
| Average total loans | $260,232,000 | 1,854 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 4,952 |
| Cost of funding earning assets | 1.7496% | 5,016 |
| Net interest margin | 3.6885% | 4,003 |
| Noninterest income to average assets | 1.3387% | 854 |
| Noninterest expense to average assets | 3.3345% | 2,838 |
| Loan and lease loss provision to assets | 0.3516% | 3,820 |
| Net operating income to assets | 0.8472% | 2,665 |
| Return on assets (ROA) | 0.6405% | 3,608 |
| Pretax return on assets | 0.7656% | 3,789 |
| Return on Equity (ROE) | 6.1010% | 3,596 |
| Retained earnings to average equity (ytd only) | -0.3015% | 5,299 |
| Net charge-offs to loans | 0.5247% | 2,750 |
| Credit loss provision to net charge-offs | 104.6338% | 4,393 |
| Earnings coverage of net charge-offs (x) | 4.0568% | 3,234 |
| Efficiency ratio | 70.9795% | 4,595 |
| Assets per employee ($millions) | 3.1744% | 5,642 |
| Cash dividends to net income (ytd only)* | 104.9412% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,472 |
| Loan loss allowance to noncurrent loans | 102.5966% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 4,364 |
| Noncurrent loans to loans | 1.2369% | 4,739 |
| Net loans and leases to total assets | 64.0497% | 4,971 |
| Net loans and leases to deposits | 81.5426% | 4,293 |
| Net loans and leases to core deposits | 92.2405% | 5,321 |
| Total domestic deposits to total assets | 78.5475% | 5,942 |
| Equity capital to assets | 10.0126% | 3,921 |
| Core capital (leverage) ratio | 10.0995% | 3,191 |
| Tier 1 risk-based capital ratio | 13.4381% | 3,853 |
| Total risk-based capital ratio | 14.5322% | 3,869 |
| Memoranda: | ||
| Average total assets | $398,137,330 | 1,767 |
| Average earning assets | $362,589,000 | 1,768 |
| Average equity | $41,796,330 | 1,628 |
| Average total loans | $254,998,330 | 1,918 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 5,377 |
| Cost of funding earning assets | 1.8353% | 4,941 |
| Net interest margin | 3.5738% | 4,436 |
| Noninterest income to average assets | 1.2850% | 867 |
| Noninterest expense to average assets | 3.1332% | 3,253 |
| Loan and lease loss provision to assets | 0.2275% | 4,170 |
| Net operating income to assets | 0.9130% | 2,644 |
| Return on assets (ROA) | 0.9130% | 2,788 |
| Pretax return on assets | 1.1748% | 2,701 |
| Return on Equity (ROE) | 8.4965% | 2,929 |
| Retained earnings to average equity (ytd only) | 4.0836% | 3,626 |
| Net charge-offs to loans | 0.1224% | 3,999 |
| Credit loss provision to net charge-offs | 292.2078% | 1,660 |
| Earnings coverage of net charge-offs (x) | 18.0130% | 1,479 |
| Efficiency ratio | 69.0816% | 4,763 |
| Assets per employee ($millions) | 3.1593% | 5,708 |
| Cash dividends to net income (ytd only)* | 51.9380% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 3,860 |
| Loan loss allowance to noncurrent loans | 90.3735% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.6793% | 3,405 |
| Noncurrent loans to loans | 1.4819% | 4,078 |
| Net loans and leases to total assets | 63.0890% | 5,147 |
| Net loans and leases to deposits | 79.1549% | 4,747 |
| Net loans and leases to core deposits | 90.2938% | 5,524 |
| Total domestic deposits to total assets | 79.7032% | 5,465 |
| Equity capital to assets | 10.5831% | 3,383 |
| Core capital (leverage) ratio | 10.4096% | 3,021 |
| Tier 1 risk-based capital ratio | 14.1730% | 3,489 |
| Total risk-based capital ratio | 15.3549% | 3,455 |
| Memoranda: | ||
| Average total assets | $395,630,500 | 1,782 |
| Average earning assets | $359,840,000 | 1,788 |
| Average equity | $42,511,500 | 1,608 |
| Average total loans | $251,729,500 | 1,953 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8001% | 6,432 |
| Cost of funding earning assets | 2.4847% | 4,286 |
| Net interest margin | 3.3154% | 5,983 |
| Noninterest income to average assets | 1.1302% | 1,221 |
| Noninterest expense to average assets | 3.1621% | 3,474 |
| Loan and lease loss provision to assets | -0.0264% | 8,221 |
| Net operating income to assets | 0.8045% | 3,417 |
| Return on assets (ROA) | 0.8045% | 3,256 |
| Pretax return on assets | 0.9903% | 3,412 |
| Return on Equity (ROE) | 7.2899% | 3,377 |
| Retained earnings to average equity (ytd only) | 1.8464% | 4,081 |
| Net charge-offs to loans | 0.0073% | 6,849 |
| Credit loss provision to net charge-offs | -588.2353% | 7,395 |
| Earnings coverage of net charge-offs (x) | 214.8235% | 222 |
| Efficiency ratio | 76.6377% | 3,131 |
| Assets per employee ($millions) | 3.0471% | 5,938 |
| Cash dividends to net income (ytd only)* | 74.6719% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 3,583 |
| Loan loss allowance to noncurrent loans | 128.5882% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 1.4168% | 3,362 |
| Noncurrent loans to loans | 1.0357% | 4,514 |
| Net loans and leases to total assets | 62.4574% | 5,546 |
| Net loans and leases to deposits | 78.5009% | 5,268 |
| Net loans and leases to core deposits | 89.6026% | 5,835 |
| Total domestic deposits to total assets | 79.5626% | 5,176 |
| Equity capital to assets | 10.9121% | 3,109 |
| Core capital (leverage) ratio | 10.8124% | 2,735 |
| Tier 1 risk-based capital ratio | 14.6499% | 3,232 |
| Total risk-based capital ratio | 15.8109% | 3,189 |
| Memoranda: | ||
| Average total assets | $378,866,400 | 1,784 |
| Average earning assets | $342,337,200 | 1,800 |
| Average equity | $41,811,000 | 1,600 |
| Average total loans | $234,369,400 | 2,012 |