Home > The Farmers Bank of Milton > Performance and Condition Ratios
The Farmers Bank of Milton, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1060% | 2,915 |
| Cost of funding earning assets | 2.2820% | 1,256 |
| Net interest margin | 2.8240% | 3,669 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 2.3535% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4555% | 3,650 |
| Return on assets (ROA) | 0.4555% | 3,667 |
| Pretax return on assets | 0.5351% | 3,667 |
| Return on Equity (ROE) | 5.6500% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.6537% | 2,375 |
| Net charge-offs to loans | 0.0513% | 1,146 |
| Credit loss provision to net charge-offs | 55.5556% | 1,516 |
| Earnings coverage of net charge-offs (x) | 15.4444% | 1,535 |
| Efficiency ratio | 81.4749% | 845 |
| Assets per employee ($millions) | 6.2524% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 3,935 |
| Loan loss allowance to noncurrent loans | 97.1635% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 1,401 |
| Noncurrent loans to loans | 0.7899% | 1,315 |
| Net loans and leases to total assets | 66.5900% | 2,231 |
| Net loans and leases to deposits | 80.3655% | 2,020 |
| Net loans and leases to core deposits | 91.8359% | 1,920 |
| Total domestic deposits to total assets | 82.8500% | 3,143 |
| Equity capital to assets | 8.1886% | 3,501 |
| Core capital (leverage) ratio | 11.9412% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6598% | 801 |
| Memoranda: | ||
| Average total assets | $311,712,500 | 2,433 |
| Average earning assets | $290,794,000 | 2,418 |
| Average equity | $25,116,500 | 2,677 |
| Average total loans | $210,502,500 | 2,339 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 3,028 |
| Cost of funding earning assets | 2.4707% | 1,213 |
| Net interest margin | 2.5685% | 3,820 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 2.2890% | 2,898 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 0.3625% | 3,744 |
| Return on assets (ROA) | 0.3631% | 3,773 |
| Pretax return on assets | 0.3910% | 3,808 |
| Return on Equity (ROE) | 4.4600% | 3,615 |
| Retained earnings to average equity (ytd only) | 1.7412% | 3,469 |
| Net charge-offs to loans | -0.0112% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 86.1087% | 675 |
| Assets per employee ($millions) | 6.3430% | 2,621 |
| Cash dividends to net income (ytd only)* | 61.0018% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 3,951 |
| Loan loss allowance to noncurrent loans | 99.2652% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 1,364 |
| Noncurrent loans to loans | 0.7731% | 1,287 |
| Net loans and leases to total assets | 67.4400% | 2,209 |
| Net loans and leases to deposits | 79.4479% | 2,184 |
| Net loans and leases to core deposits | 98.6340% | 1,544 |
| Total domestic deposits to total assets | 84.8900% | 2,568 |
| Equity capital to assets | 7.9258% | 3,550 |
| Core capital (leverage) ratio | 11.7411% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3239% | 847 |
| Memoranda: | ||
| Average total assets | $307,903,200 | 2,428 |
| Average earning assets | $286,353,400 | 2,421 |
| Average equity | $25,040,000 | 2,632 |
| Average total loans | $205,838,000 | 2,324 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 3,049 |
| Cost of funding earning assets | 2.4807% | 1,202 |
| Net interest margin | 2.5130% | 3,874 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 2.3413% | 2,680 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | 0.2761% | 3,895 |
| Return on assets (ROA) | 0.2761% | 3,926 |
| Pretax return on assets | 0.2886% | 3,962 |
| Return on Equity (ROE) | 3.3700% | 3,829 |
| Retained earnings to average equity (ytd only) | 0.4508% | 3,863 |
| Net charge-offs to loans | -0.0222% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 89.6907% | 553 |
| Assets per employee ($millions) | 6.3877% | 2,592 |
| Cash dividends to net income (ytd only)* | 86.6352% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7793% | 3,949 |
| Loan loss allowance to noncurrent loans | 112.2337% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 1,485 |
| Noncurrent loans to loans | 0.6943% | 1,414 |
| Net loans and leases to total assets | 66.4300% | 2,277 |
| Net loans and leases to deposits | 78.7983% | 2,283 |
| Net loans and leases to core deposits | 89.9795% | 2,146 |
| Total domestic deposits to total assets | 84.3000% | 2,517 |
| Equity capital to assets | 8.5202% | 3,391 |
| Core capital (leverage) ratio | 11.6403% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1166% | 907 |
| Memoranda: | ||
| Average total assets | $307,177,250 | 2,425 |
| Average earning assets | $285,499,000 | 2,423 |
| Average equity | $25,141,500 | 2,616 |
| Average total loans | $204,488,000 | 2,330 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 3,050 |
| Cost of funding earning assets | 2.4269% | 1,211 |
| Net interest margin | 2.5137% | 3,860 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 2.2900% | 2,828 |
| Loan and lease loss provision to assets | -0.0500% | 4,317 |
| Net operating income to assets | 0.3460% | 3,758 |
| Return on assets (ROA) | 0.3460% | 3,799 |
| Pretax return on assets | 0.3833% | 3,827 |
| Return on Equity (ROE) | 4.2900% | 3,669 |
| Retained earnings to average equity (ytd only) | 1.6239% | 3,451 |
| Net charge-offs to loans | -0.0168% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 87.2659% | 693 |
| Assets per employee ($millions) | 5.7892% | 2,982 |
| Cash dividends to net income (ytd only)* | 62.1212% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 3,943 |
| Loan loss allowance to noncurrent loans | 83.3418% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 1,054 |
| Noncurrent loans to loans | 0.9555% | 985 |
| Net loans and leases to total assets | 66.8300% | 2,258 |
| Net loans and leases to deposits | 80.5332% | 2,154 |
| Net loans and leases to core deposits | 88.7817% | 2,223 |
| Total domestic deposits to total assets | 82.9900% | 2,871 |
| Equity capital to assets | 7.9846% | 3,439 |
| Core capital (leverage) ratio | 11.9299% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5788% | 840 |
| Memoranda: | ||
| Average total assets | $305,237,000 | 2,425 |
| Average earning assets | $283,650,333 | 2,422 |
| Average equity | $24,632,667 | 2,612 |
| Average total loans | $202,799,000 | 2,328 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8967% | 2,984 |
| Cost of funding earning assets | 2.3691% | 1,216 |
| Net interest margin | 2.5276% | 3,830 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 2.2953% | 2,812 |
| Loan and lease loss provision to assets | -0.1000% | 4,444 |
| Net operating income to assets | 0.4007% | 3,617 |
| Return on assets (ROA) | 0.4007% | 3,639 |
| Pretax return on assets | 0.4769% | 3,611 |
| Return on Equity (ROE) | 4.9400% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.9394% | 2,420 |
| Net charge-offs to loans | -0.0498% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.8477% | 791 |
| Assets per employee ($millions) | 5.7430% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 3,895 |
| Loan loss allowance to noncurrent loans | 72.1326% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 800 |
| Noncurrent loans to loans | 1.1401% | 741 |
| Net loans and leases to total assets | 65.5300% | 2,294 |
| Net loans and leases to deposits | 79.0725% | 2,138 |
| Net loans and leases to core deposits | 87.0035% | 2,242 |
| Total domestic deposits to total assets | 82.8800% | 3,006 |
| Equity capital to assets | 8.0777% | 3,313 |
| Core capital (leverage) ratio | 12.0231% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9800% | 793 |
| Memoranda: | ||
| Average total assets | $304,442,000 | 2,435 |
| Average earning assets | $282,802,500 | 2,431 |
| Average equity | $24,699,500 | 2,615 |
| Average total loans | $200,845,500 | 2,337 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6983% | 2,685 |
| Cost of funding earning assets | 1.8955% | 1,073 |
| Net interest margin | 2.8028% | 3,652 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.3573% | 2,703 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.4796% | 3,713 |
| Return on assets (ROA) | 0.4216% | 3,824 |
| Pretax return on assets | 0.4660% | 3,871 |
| Return on Equity (ROE) | 5.2600% | 3,679 |
| Retained earnings to average equity (ytd only) | -0.8817% | 4,173 |
| Net charge-offs to loans | -0.1189% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.6163% | 742 |
| Assets per employee ($millions) | 5.7454% | 3,026 |
| Cash dividends to net income (ytd only)* | 116.7722% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 3,855 |
| Loan loss allowance to noncurrent loans | 90.4939% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 862 |
| Noncurrent loans to loans | 0.9389% | 796 |
| Net loans and leases to total assets | 65.3100% | 2,332 |
| Net loans and leases to deposits | 80.2470% | 2,086 |
| Net loans and leases to core deposits | 85.9998% | 2,308 |
| Total domestic deposits to total assets | 81.3800% | 3,241 |
| Equity capital to assets | 8.1483% | 3,314 |
| Core capital (leverage) ratio | 12.5862% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0555% | 785 |
| Memoranda: | ||
| Average total assets | $299,794,800 | 2,427 |
| Average earning assets | $278,401,400 | 2,425 |
| Average equity | $24,045,200 | 2,575 |
| Average total loans | $189,260,200 | 2,364 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 2,700 |
| Cost of funding earning assets | 1.7601% | 1,079 |
| Net interest margin | 2.8299% | 3,676 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3454% | 2,664 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4264% | 3,914 |
| Return on assets (ROA) | 0.3514% | 4,048 |
| Pretax return on assets | 0.4041% | 4,056 |
| Return on Equity (ROE) | 4.4000% | 3,918 |
| Retained earnings to average equity (ytd only) | -2.0178% | 4,320 |
| Net charge-offs to loans | -0.0050% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.4671% | 761 |
| Assets per employee ($millions) | 5.8255% | 2,902 |
| Cash dividends to net income (ytd only)* | 145.8704% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 3,846 |
| Loan loss allowance to noncurrent loans | 89.2063% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 880 |
| Noncurrent loans to loans | 0.9640% | 853 |
| Net loans and leases to total assets | 65.4200% | 2,297 |
| Net loans and leases to deposits | 80.0800% | 2,044 |
| Net loans and leases to core deposits | 85.5746% | 2,210 |
| Total domestic deposits to total assets | 81.6900% | 3,273 |
| Equity capital to assets | 7.1114% | 3,562 |
| Core capital (leverage) ratio | 12.6159% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0367% | 813 |
| Memoranda: | ||
| Average total assets | $298,617,500 | 2,436 |
| Average earning assets | $277,180,500 | 2,434 |
| Average equity | $23,853,500 | 2,573 |
| Average total loans | $186,434,250 | 2,389 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 2,852 |
| Cost of funding earning assets | 1.6258% | 1,005 |
| Net interest margin | 2.7884% | 3,838 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.3101% | 2,772 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.4053% | 3,998 |
| Return on assets (ROA) | 0.3524% | 4,110 |
| Pretax return on assets | 0.3925% | 4,129 |
| Return on Equity (ROE) | 4.2600% | 3,992 |
| Retained earnings to average equity (ytd only) | -2.3665% | 4,312 |
| Net charge-offs to loans | 0.0120% | 1,745 |
| Credit loss provision to net charge-offs | 881.8182% | 449 |
| Earnings coverage of net charge-offs (x) | 70.1818% | 1,115 |
| Efficiency ratio | 81.7365% | 727 |
| Assets per employee ($millions) | 5.5756% | 3,084 |
| Cash dividends to net income (ytd only)* | 155.5977% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 3,842 |
| Loan loss allowance to noncurrent loans | 83.8191% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 778 |
| Noncurrent loans to loans | 1.0479% | 706 |
| Net loans and leases to total assets | 62.5200% | 2,523 |
| Net loans and leases to deposits | 74.2770% | 2,462 |
| Net loans and leases to core deposits | 79.5070% | 2,504 |
| Total domestic deposits to total assets | 84.1700% | 2,788 |
| Equity capital to assets | 8.0260% | 3,197 |
| Core capital (leverage) ratio | 12.5245% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5462% | 757 |
| Memoranda: | ||
| Average total assets | $299,123,667 | 2,442 |
| Average earning assets | $278,012,000 | 2,436 |
| Average equity | $24,762,000 | 2,531 |
| Average total loans | $183,229,333 | 2,408 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 3,071 |
| Cost of funding earning assets | 1.5455% | 777 |
| Net interest margin | 2.6433% | 4,157 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.2821% | 2,866 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.2643% | 4,294 |
| Return on assets (ROA) | 0.2643% | 4,261 |
| Pretax return on assets | 0.3300% | 4,235 |
| Return on Equity (ROE) | 3.1400% | 4,169 |
| Retained earnings to average equity (ytd only) | -4.7086% | 4,317 |
| Net charge-offs to loans | 0.0200% | 1,279 |
| Credit loss provision to net charge-offs | 622.2222% | 491 |
| Earnings coverage of net charge-offs (x) | 33.5556% | 1,265 |
| Efficiency ratio | 84.9226% | 550 |
| Assets per employee ($millions) | 5.5655% | 3,149 |
| Cash dividends to net income (ytd only)* | 249.7462% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 3,869 |
| Loan loss allowance to noncurrent loans | 80.1673% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 714 |
| Noncurrent loans to loans | 1.1166% | 637 |
| Net loans and leases to total assets | 60.0100% | 2,646 |
| Net loans and leases to deposits | 70.0075% | 2,611 |
| Net loans and leases to core deposits | 74.6702% | 2,628 |
| Total domestic deposits to total assets | 85.7200% | 2,675 |
| Equity capital to assets | 8.4486% | 2,934 |
| Core capital (leverage) ratio | 12.5272% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8700% | 753 |
| Memoranda: | ||
| Average total assets | $298,143,500 | 2,482 |
| Average earning assets | $276,931,000 | 2,468 |
| Average equity | $25,060,500 | 2,545 |
| Average total loans | $179,888,000 | 2,452 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 2,015 |
| Cost of funding earning assets | 0.6267% | 800 |
| Net interest margin | 3.2607% | 2,678 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.2911% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8337% | 3,209 |
| Return on assets (ROA) | 0.8337% | 3,133 |
| Pretax return on assets | 0.9733% | 3,151 |
| Return on Equity (ROE) | 8.5500% | 3,242 |
| Retained earnings to average equity (ytd only) | 1.8086% | 4,020 |
| Net charge-offs to loans | -0.0324% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1832% | 1,657 |
| Assets per employee ($millions) | 5.6875% | 3,042 |
| Cash dividends to net income (ytd only)* | 78.8462% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 3,892 |
| Loan loss allowance to noncurrent loans | 75.2212% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 686 |
| Noncurrent loans to loans | 1.1440% | 622 |
| Net loans and leases to total assets | 59.6000% | 2,676 |
| Net loans and leases to deposits | 70.0757% | 2,575 |
| Net loans and leases to core deposits | 73.6800% | 2,590 |
| Total domestic deposits to total assets | 85.0500% | 2,983 |
| Equity capital to assets | 8.3617% | 2,804 |
| Core capital (leverage) ratio | 12.8743% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3674% | 686 |
| Memoranda: | ||
| Average total assets | $299,382,000 | 2,455 |
| Average earning assets | $277,974,200 | 2,452 |
| Average equity | $29,194,200 | 2,368 |
| Average total loans | $172,736,200 | 2,429 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 1,685 |
| Cost of funding earning assets | 0.4451% | 1,005 |
| Net interest margin | 3.3752% | 2,055 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.1947% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9591% | 2,628 |
| Return on assets (ROA) | 0.9591% | 2,601 |
| Pretax return on assets | 1.1753% | 2,469 |
| Return on Equity (ROE) | 9.5000% | 2,874 |
| Retained earnings to average equity (ytd only) | 5.1730% | 3,035 |
| Net charge-offs to loans | -0.0397% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.1252% | 2,395 |
| Assets per employee ($millions) | 5.8673% | 2,882 |
| Cash dividends to net income (ytd only)* | 45.5556% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 3,976 |
| Loan loss allowance to noncurrent loans | 69.4305% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 659 |
| Noncurrent loans to loans | 1.2322% | 591 |
| Net loans and leases to total assets | 60.2000% | 2,480 |
| Net loans and leases to deposits | 71.7440% | 2,231 |
| Net loans and leases to core deposits | 75.7198% | 2,216 |
| Total domestic deposits to total assets | 83.9100% | 3,522 |
| Equity capital to assets | 8.2781% | 2,702 |
| Core capital (leverage) ratio | 12.9868% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4919% | 682 |
| Memoranda: | ||
| Average total assets | $300,289,500 | 2,470 |
| Average earning assets | $278,892,000 | 2,467 |
| Average equity | $30,310,250 | 2,353 |
| Average total loans | $171,469,750 | 2,442 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 1,415 |
| Cost of funding earning assets | 0.3784% | 1,055 |
| Net interest margin | 3.3740% | 1,678 |
| Noninterest income to average assets | 0.2254% | 3,842 |
| Noninterest expense to average assets | 2.0099% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0932% | 1,799 |
| Return on assets (ROA) | 1.0932% | 1,785 |
| Pretax return on assets | 1.3563% | 1,565 |
| Return on Equity (ROE) | 10.2356% | 2,246 |
| Retained earnings to average equity (ytd only) | 4.1462% | 3,032 |
| Net charge-offs to loans | -0.0236% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7094% | 3,334 |
| Assets per employee ($millions) | 6.0081% | 2,736 |
| Cash dividends to net income (ytd only)* | 59.4921% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 4,054 |
| Loan loss allowance to noncurrent loans | 67.7244% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 687 |
| Noncurrent loans to loans | 1.2761% | 618 |
| Net loans and leases to total assets | 58.2101% | 2,509 |
| Net loans and leases to deposits | 68.7168% | 2,326 |
| Net loans and leases to core deposits | 72.4085% | 2,296 |
| Total domestic deposits to total assets | 84.7102% | 3,548 |
| Equity capital to assets | 9.1872% | 2,242 |
| Core capital (leverage) ratio | 12.7022% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7063% | 642 |
| Memoranda: | ||
| Average total assets | $302,598,333 | 2,467 |
| Average earning assets | $281,687,000 | 2,478 |
| Average equity | $32,318,667 | 2,307 |
| Average total loans | $169,246,667 | 2,470 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7152% | 1,243 |
| Cost of funding earning assets | 0.3548% | 1,166 |
| Net interest margin | 3.3605% | 1,405 |
| Noninterest income to average assets | 0.2074% | 3,918 |
| Noninterest expense to average assets | 1.9902% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0786% | 1,589 |
| Return on assets (ROA) | 1.0786% | 1,585 |
| Pretax return on assets | 1.3551% | 1,368 |
| Return on Equity (ROE) | 9.4637% | 2,166 |
| Retained earnings to average equity (ytd only) | 3.8336% | 2,997 |
| Net charge-offs to loans | -0.0478% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4932% | 3,537 |
| Assets per employee ($millions) | 5.6757% | 3,152 |
| Cash dividends to net income (ytd only)* | 59.4921% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,085 |
| Loan loss allowance to noncurrent loans | 59.0819% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 632 |
| Noncurrent loans to loans | 1.4965% | 555 |
| Net loans and leases to total assets | 55.6383% | 2,560 |
| Net loans and leases to deposits | 66.2665% | 2,311 |
| Net loans and leases to core deposits | 69.4445% | 2,339 |
| Total domestic deposits to total assets | 83.9614% | 3,776 |
| Equity capital to assets | 10.5894% | 1,552 |
| Core capital (leverage) ratio | 12.3346% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6488% | 678 |
| Memoranda: | ||
| Average total assets | $306,698,000 | 2,467 |
| Average earning assets | $286,389,000 | 2,468 |
| Average equity | $34,954,500 | 2,255 |
| Average total loans | $167,438,000 | 2,484 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 2,556 |
| Cost of funding earning assets | 0.4582% | 1,143 |
| Net interest margin | 3.0764% | 2,974 |
| Noninterest income to average assets | 0.2515% | 3,862 |
| Noninterest expense to average assets | 2.1214% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8648% | 3,148 |
| Return on assets (ROA) | 0.8656% | 3,206 |
| Pretax return on assets | 1.0085% | 3,239 |
| Return on Equity (ROE) | 6.8916% | 3,544 |
| Retained earnings to average equity (ytd only) | 1.7813% | 4,049 |
| Net charge-offs to loans | -0.0064% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7994% | 2,015 |
| Assets per employee ($millions) | 6.2517% | 2,528 |
| Cash dividends to net income (ytd only)* | 74.1522% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,091 |
| Loan loss allowance to noncurrent loans | 57.9237% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 715 |
| Noncurrent loans to loans | 1.5318% | 587 |
| Net loans and leases to total assets | 52.6398% | 2,992 |
| Net loans and leases to deposits | 62.9542% | 2,789 |
| Net loans and leases to core deposits | 65.7256% | 2,845 |
| Total domestic deposits to total assets | 83.6160% | 3,659 |
| Equity capital to assets | 12.1743% | 1,182 |
| Core capital (leverage) ratio | 12.3162% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6168% | 689 |
| Memoranda: | ||
| Average total assets | $306,596,800 | 2,405 |
| Average earning assets | $286,760,400 | 2,398 |
| Average equity | $38,510,800 | 2,133 |
| Average total loans | $156,010,400 | 2,580 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 2,835 |
| Cost of funding earning assets | 0.4871% | 1,121 |
| Net interest margin | 3.0151% | 3,266 |
| Noninterest income to average assets | 0.2565% | 3,859 |
| Noninterest expense to average assets | 2.0487% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8568% | 3,366 |
| Return on assets (ROA) | 0.8583% | 3,429 |
| Pretax return on assets | 1.0335% | 3,366 |
| Return on Equity (ROE) | 6.7796% | 3,722 |
| Retained earnings to average equity (ytd only) | 1.6845% | 4,277 |
| Net charge-offs to loans | -0.0165% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5059% | 2,031 |
| Assets per employee ($millions) | 6.3295% | 2,394 |
| Cash dividends to net income (ytd only)* | 75.1527% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 4,038 |
| Loan loss allowance to noncurrent loans | 43.8462% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 548 |
| Noncurrent loans to loans | 2.1403% | 391 |
| Net loans and leases to total assets | 51.4924% | 3,249 |
| Net loans and leases to deposits | 62.2209% | 3,015 |
| Net loans and leases to core deposits | 65.1660% | 3,025 |
| Total domestic deposits to total assets | 82.7573% | 3,766 |
| Equity capital to assets | 12.6705% | 1,102 |
| Core capital (leverage) ratio | 12.2530% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4038% | 650 |
| Memoranda: | ||
| Average total assets | $305,099,750 | 2,439 |
| Average earning assets | $285,758,750 | 2,423 |
| Average equity | $38,624,750 | 2,156 |
| Average total loans | $153,508,750 | 2,639 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 2,906 |
| Cost of funding earning assets | 0.5133% | 1,130 |
| Net interest margin | 2.9816% | 3,370 |
| Noninterest income to average assets | 0.2376% | 3,982 |
| Noninterest expense to average assets | 1.9697% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8602% | 3,335 |
| Return on assets (ROA) | 0.8602% | 3,411 |
| Pretax return on assets | 1.0552% | 3,319 |
| Return on Equity (ROE) | 6.7963% | 3,704 |
| Retained earnings to average equity (ytd only) | 1.7068% | 4,189 |
| Net charge-offs to loans | -0.0118% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1158% | 2,282 |
| Assets per employee ($millions) | 6.4097% | 2,228 |
| Cash dividends to net income (ytd only)* | 74.8858% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 3,977 |
| Loan loss allowance to noncurrent loans | 45.8398% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 695 |
| Noncurrent loans to loans | 2.0860% | 453 |
| Net loans and leases to total assets | 49.5230% | 3,604 |
| Net loans and leases to deposits | 58.4780% | 3,499 |
| Net loans and leases to core deposits | 62.4066% | 3,428 |
| Total domestic deposits to total assets | 84.6866% | 3,224 |
| Equity capital to assets | 12.5929% | 1,092 |
| Core capital (leverage) ratio | 12.0378% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8081% | 721 |
| Memoranda: | ||
| Average total assets | $305,527,667 | 2,430 |
| Average earning assets | $285,619,333 | 2,418 |
| Average equity | $38,668,000 | 2,147 |
| Average total loans | $152,037,000 | 2,664 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 2,821 |
| Cost of funding earning assets | 0.5446% | 1,135 |
| Net interest margin | 2.9883% | 3,289 |
| Noninterest income to average assets | 0.2325% | 3,992 |
| Noninterest expense to average assets | 2.0049% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7988% | 3,429 |
| Return on assets (ROA) | 0.7988% | 3,498 |
| Pretax return on assets | 0.9814% | 3,425 |
| Return on Equity (ROE) | 6.2956% | 3,773 |
| Retained earnings to average equity (ytd only) | 1.2011% | 4,180 |
| Net charge-offs to loans | -0.0238% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1359% | 2,050 |
| Assets per employee ($millions) | 6.5502% | 2,135 |
| Cash dividends to net income (ytd only)* | 80.9211% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,969 |
| Loan loss allowance to noncurrent loans | 48.7095% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 803 |
| Noncurrent loans to loans | 1.9892% | 547 |
| Net loans and leases to total assets | 48.8683% | 3,724 |
| Net loans and leases to deposits | 57.9436% | 3,648 |
| Net loans and leases to core deposits | 61.8381% | 3,584 |
| Total domestic deposits to total assets | 84.3377% | 3,325 |
| Equity capital to assets | 12.2965% | 1,149 |
| Core capital (leverage) ratio | 12.0908% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8144% | 696 |
| Memoranda: | ||
| Average total assets | $304,459,000 | 2,420 |
| Average earning assets | $280,562,500 | 2,434 |
| Average equity | $38,630,000 | 2,140 |
| Average total loans | $151,137,500 | 2,677 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 2,588 |
| Cost of funding earning assets | 0.8072% | 1,174 |
| Net interest margin | 3.2417% | 3,242 |
| Noninterest income to average assets | 0.2826% | 3,793 |
| Noninterest expense to average assets | 2.3347% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8372% | 2,948 |
| Return on assets (ROA) | 0.8445% | 3,053 |
| Pretax return on assets | 0.9749% | 3,127 |
| Return on Equity (ROE) | 6.0621% | 3,564 |
| Retained earnings to average equity (ytd only) | 0.9176% | 4,253 |
| Net charge-offs to loans | -0.0271% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7226% | 1,853 |
| Assets per employee ($millions) | 6.4055% | 1,997 |
| Cash dividends to net income (ytd only)* | 84.8642% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 3,968 |
| Loan loss allowance to noncurrent loans | 51.7144% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 927 |
| Noncurrent loans to loans | 1.8815% | 639 |
| Net loans and leases to total assets | 49.4569% | 3,865 |
| Net loans and leases to deposits | 59.3272% | 3,810 |
| Net loans and leases to core deposits | 63.4848% | 3,733 |
| Total domestic deposits to total assets | 83.3630% | 3,307 |
| Equity capital to assets | 13.0885% | 1,059 |
| Core capital (leverage) ratio | 12.7741% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1507% | 569 |
| Memoranda: | ||
| Average total assets | $274,601,400 | 2,430 |
| Average earning assets | $255,698,000 | 2,435 |
| Average equity | $38,254,000 | 2,086 |
| Average total loans | $154,988,200 | 2,617 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 2,422 |
| Cost of funding earning assets | 0.8612% | 1,205 |
| Net interest margin | 3.3291% | 3,104 |
| Noninterest income to average assets | 0.2866% | 3,770 |
| Noninterest expense to average assets | 2.3379% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8878% | 2,747 |
| Return on assets (ROA) | 0.8975% | 2,832 |
| Pretax return on assets | 1.0528% | 2,897 |
| Return on Equity (ROE) | 6.3353% | 3,434 |
| Retained earnings to average equity (ytd only) | 1.1554% | 4,201 |
| Net charge-offs to loans | -0.0342% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1843% | 2,010 |
| Assets per employee ($millions) | 5.9793% | 2,282 |
| Cash dividends to net income (ytd only)* | 81.7627% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 3,807 |
| Loan loss allowance to noncurrent loans | 42.0432% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 726 |
| Noncurrent loans to loans | 2.3152% | 478 |
| Net loans and leases to total assets | 52.8889% | 3,902 |
| Net loans and leases to deposits | 64.3866% | 3,767 |
| Net loans and leases to core deposits | 69.2478% | 3,682 |
| Total domestic deposits to total assets | 82.1426% | 3,385 |
| Equity capital to assets | 13.9261% | 878 |
| Core capital (leverage) ratio | 13.5997% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4979% | 545 |
| Memoranda: | ||
| Average total assets | $267,987,250 | 2,451 |
| Average earning assets | $248,948,250 | 2,460 |
| Average equity | $37,966,500 | 2,089 |
| Average total loans | $156,146,000 | 2,607 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,303 |
| Cost of funding earning assets | 0.9187% | 1,285 |
| Net interest margin | 3.4460% | 2,955 |
| Noninterest income to average assets | 0.3065% | 3,627 |
| Noninterest expense to average assets | 2.3244% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0070% | 2,295 |
| Return on assets (ROA) | 1.0218% | 2,375 |
| Pretax return on assets | 1.2009% | 2,360 |
| Return on Equity (ROE) | 7.1693% | 3,067 |
| Retained earnings to average equity (ytd only) | 1.9321% | 3,789 |
| Net charge-offs to loans | -0.0303% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2630% | 2,477 |
| Assets per employee ($millions) | 5.8458% | 2,318 |
| Cash dividends to net income (ytd only)* | 73.0512% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 3,855 |
| Loan loss allowance to noncurrent loans | 42.1037% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 786 |
| Noncurrent loans to loans | 2.2234% | 567 |
| Net loans and leases to total assets | 55.6534% | 3,717 |
| Net loans and leases to deposits | 68.0586% | 3,562 |
| Net loans and leases to core deposits | 75.8847% | 3,289 |
| Total domestic deposits to total assets | 81.7728% | 3,431 |
| Equity capital to assets | 14.2302% | 801 |
| Core capital (leverage) ratio | 14.0116% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0353% | 501 |
| Memoranda: | ||
| Average total assets | $263,640,667 | 2,455 |
| Average earning assets | $244,921,667 | 2,453 |
| Average equity | $37,576,667 | 2,098 |
| Average total loans | $158,163,667 | 2,580 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 2,058 |
| Cost of funding earning assets | 1.0098% | 1,378 |
| Net interest margin | 3.5711% | 2,766 |
| Noninterest income to average assets | 0.2681% | 3,934 |
| Noninterest expense to average assets | 2.4922% | 3,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9034% | 2,516 |
| Return on assets (ROA) | 0.9330% | 2,516 |
| Pretax return on assets | 1.1221% | 2,447 |
| Return on Equity (ROE) | 6.5406% | 3,122 |
| Retained earnings to average equity (ytd only) | 1.1951% | 3,696 |
| Net charge-offs to loans | -0.0050% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6405% | 2,406 |
| Assets per employee ($millions) | 5.3451% | 2,279 |
| Cash dividends to net income (ytd only)* | 81.7276% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 4,146 |
| Loan loss allowance to noncurrent loans | 27.8637% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 2.0895% | 379 |
| Noncurrent loans to loans | 3.1929% | 316 |
| Net loans and leases to total assets | 61.7889% | 3,323 |
| Net loans and leases to deposits | 75.6000% | 3,106 |
| Net loans and leases to core deposits | 83.3722% | 2,900 |
| Total domestic deposits to total assets | 81.7313% | 3,486 |
| Equity capital to assets | 14.1509% | 1,015 |
| Core capital (leverage) ratio | 14.2673% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4716% | 600 |
| Memoranda: | ||
| Average total assets | $258,084,000 | 2,443 |
| Average earning assets | $239,257,000 | 2,450 |
| Average equity | $36,816,000 | 2,119 |
| Average total loans | $160,068,000 | 2,539 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 2,848 |
| Cost of funding earning assets | 0.9842% | 1,792 |
| Net interest margin | 3.5447% | 3,304 |
| Noninterest income to average assets | 0.3054% | 3,858 |
| Noninterest expense to average assets | 2.5130% | 3,412 |
| Loan and lease loss provision to assets | 0.0442% | 3,128 |
| Net operating income to assets | 0.9155% | 3,146 |
| Return on assets (ROA) | 0.9187% | 3,206 |
| Pretax return on assets | 1.0363% | 3,371 |
| Return on Equity (ROE) | 6.2265% | 3,841 |
| Retained earnings to average equity (ytd only) | 0.8405% | 4,439 |
| Net charge-offs to loans | 0.3031% | 689 |
| Credit loss provision to net charge-offs | 23.0608% | 3,307 |
| Earnings coverage of net charge-offs (x) | 5.6247% | 3,061 |
| Efficiency ratio | 70.0022% | 2,172 |
| Assets per employee ($millions) | 5.2980% | 2,251 |
| Cash dividends to net income (ytd only)* | 86.5007% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 4,020 |
| Loan loss allowance to noncurrent loans | 28.8411% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.0069% | 388 |
| Noncurrent loans to loans | 3.0758% | 303 |
| Net loans and leases to total assets | 61.1562% | 3,485 |
| Net loans and leases to deposits | 75.0310% | 3,256 |
| Net loans and leases to core deposits | 82.5889% | 3,076 |
| Total domestic deposits to total assets | 81.5080% | 3,640 |
| Equity capital to assets | 14.3781% | 974 |
| Core capital (leverage) ratio | 14.4694% | 808 |
| Tier 1 risk-based capital ratio | 21.6974% | 1,060 |
| Total risk-based capital ratio | 22.5415% | 1,098 |
| Memoranda: | ||
| Average total assets | $249,145,800 | 2,468 |
| Average earning assets | $230,850,200 | 2,466 |
| Average equity | $36,762,200 | 2,063 |
| Average total loans | $157,358,800 | 2,542 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 2,998 |
| Cost of funding earning assets | 0.9789% | 1,850 |
| Net interest margin | 3.5397% | 3,440 |
| Noninterest income to average assets | 0.3131% | 3,875 |
| Noninterest expense to average assets | 2.5348% | 3,334 |
| Loan and lease loss provision to assets | 0.0595% | 2,705 |
| Net operating income to assets | 0.8945% | 3,366 |
| Return on assets (ROA) | 0.8988% | 3,425 |
| Pretax return on assets | 1.0070% | 3,578 |
| Return on Equity (ROE) | 6.0510% | 4,032 |
| Retained earnings to average equity (ytd only) | 2.4575% | 4,115 |
| Net charge-offs to loans | 0.0792% | 1,690 |
| Credit loss provision to net charge-offs | 118.2796% | 1,976 |
| Earnings coverage of net charge-offs (x) | 21.1070% | 1,927 |
| Efficiency ratio | 70.4812% | 2,055 |
| Assets per employee ($millions) | 5.1081% | 2,439 |
| Cash dividends to net income (ytd only)* | 59.3865% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 2,955 |
| Loan loss allowance to noncurrent loans | 28.9960% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.5218% | 269 |
| Noncurrent loans to loans | 3.8430% | 189 |
| Net loans and leases to total assets | 63.9961% | 3,289 |
| Net loans and leases to deposits | 79.3586% | 2,966 |
| Net loans and leases to core deposits | 87.6162% | 2,766 |
| Total domestic deposits to total assets | 80.6416% | 3,839 |
| Equity capital to assets | 15.1297% | 816 |
| Core capital (leverage) ratio | 14.9149% | 757 |
| Tier 1 risk-based capital ratio | 22.0019% | 1,072 |
| Total risk-based capital ratio | 23.0783% | 1,068 |
| Memoranda: | ||
| Average total assets | $246,531,250 | 2,501 |
| Average earning assets | $228,679,250 | 2,501 |
| Average equity | $36,621,250 | 2,082 |
| Average total loans | $156,652,250 | 2,580 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 3,232 |
| Cost of funding earning assets | 0.9625% | 1,854 |
| Net interest margin | 3.4713% | 3,684 |
| Noninterest income to average assets | 0.3286% | 3,744 |
| Noninterest expense to average assets | 2.4169% | 3,696 |
| Loan and lease loss provision to assets | 0.0815% | 2,210 |
| Net operating income to assets | 0.9491% | 3,095 |
| Return on assets (ROA) | 0.9491% | 3,163 |
| Pretax return on assets | 1.0502% | 3,389 |
| Return on Equity (ROE) | 6.4300% | 3,897 |
| Retained earnings to average equity (ytd only) | 0.9778% | 4,444 |
| Net charge-offs to loans | 0.1162% | 1,269 |
| Credit loss provision to net charge-offs | 111.1111% | 1,836 |
| Earnings coverage of net charge-offs (x) | 15.4222% | 1,989 |
| Efficiency ratio | 68.1066% | 2,519 |
| Assets per employee ($millions) | 5.0517% | 2,415 |
| Cash dividends to net income (ytd only)* | 84.7938% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 2,901 |
| Loan loss allowance to noncurrent loans | 24.3302% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 3.1095% | 181 |
| Noncurrent loans to loans | 4.6432% | 124 |
| Net loans and leases to total assets | 63.5703% | 3,391 |
| Net loans and leases to deposits | 77.4823% | 3,196 |
| Net loans and leases to core deposits | 85.4617% | 3,000 |
| Total domestic deposits to total assets | 82.0449% | 3,502 |
| Equity capital to assets | 14.9628% | 822 |
| Core capital (leverage) ratio | 14.9100% | 724 |
| Tier 1 risk-based capital ratio | 22.1007% | 1,043 |
| Total risk-based capital ratio | 23.1925% | 1,034 |
| Memoranda: | ||
| Average total assets | $245,276,670 | 2,524 |
| Average earning assets | $227,522,000 | 2,522 |
| Average equity | $36,205,330 | 2,091 |
| Average total loans | $154,875,000 | 2,611 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 3,053 |
| Cost of funding earning assets | 0.9738% | 1,685 |
| Net interest margin | 3.4755% | 3,664 |
| Noninterest income to average assets | 0.2359% | 4,324 |
| Noninterest expense to average assets | 2.5050% | 3,493 |
| Loan and lease loss provision to assets | 0.1638% | 1,032 |
| Net operating income to assets | 0.8077% | 3,591 |
| Return on assets (ROA) | 0.8077% | 3,629 |
| Pretax return on assets | 0.7831% | 4,086 |
| Return on Equity (ROE) | 5.5101% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.5101% | 2,692 |
| Net charge-offs to loans | 0.2776% | 534 |
| Credit loss provision to net charge-offs | 94.3396% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5.4528% | 2,264 |
| Efficiency ratio | 72.5676% | 1,944 |
| Assets per employee ($millions) | 4.9502% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,755 |
| Loan loss allowance to noncurrent loans | 30.5451% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 2.5708% | 292 |
| Noncurrent loans to loans | 3.8229% | 213 |
| Net loans and leases to total assets | 60.9368% | 3,609 |
| Net loans and leases to deposits | 74.4281% | 3,417 |
| Net loans and leases to core deposits | 82.0842% | 3,180 |
| Total domestic deposits to total assets | 81.8734% | 3,757 |
| Equity capital to assets | 14.7603% | 803 |
| Core capital (leverage) ratio | 15.0277% | 690 |
| Tier 1 risk-based capital ratio | 22.4545% | 992 |
| Total risk-based capital ratio | 23.5445% | 997 |
| Memoranda: | ||
| Average total assets | $244,148,000 | 2,557 |
| Average earning assets | $225,924,500 | 2,551 |
| Average equity | $35,789,000 | 2,107 |
| Average total loans | $152,734,500 | 2,660 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 2,681 |
| Cost of funding earning assets | 0.6552% | 2,357 |
| Net interest margin | 3.7702% | 2,781 |
| Noninterest income to average assets | 0.3716% | 3,608 |
| Noninterest expense to average assets | 2.5463% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1474% | 2,399 |
| Return on assets (ROA) | 1.1424% | 2,424 |
| Pretax return on assets | 1.3225% | 2,426 |
| Return on Equity (ROE) | 7.7188% | 3,568 |
| Retained earnings to average equity (ytd only) | 2.1020% | 4,318 |
| Net charge-offs to loans | 0.0803% | 1,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 26.8136% | 1,712 |
| Efficiency ratio | 65.7168% | 2,910 |
| Assets per employee ($millions) | 4.9140% | 2,604 |
| Cash dividends to net income (ytd only)* | 72.7674% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,725 |
| Loan loss allowance to noncurrent loans | 30.9664% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.6065% | 276 |
| Noncurrent loans to loans | 3.7772% | 210 |
| Net loans and leases to total assets | 62.7422% | 3,488 |
| Net loans and leases to deposits | 76.6695% | 3,303 |
| Net loans and leases to core deposits | 85.4352% | 2,962 |
| Total domestic deposits to total assets | 81.8346% | 3,686 |
| Equity capital to assets | 14.5544% | 824 |
| Core capital (leverage) ratio | 15.1615% | 660 |
| Tier 1 risk-based capital ratio | 22.4358% | 977 |
| Total risk-based capital ratio | 23.5434% | 966 |
| Memoranda: | ||
| Average total assets | $238,184,800 | 2,555 |
| Average earning assets | $221,313,400 | 2,553 |
| Average equity | $35,251,600 | 2,062 |
| Average total loans | $146,965,400 | 2,678 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,743 |
| Cost of funding earning assets | 0.5709% | 2,703 |
| Net interest margin | 3.7945% | 2,667 |
| Noninterest income to average assets | 0.3643% | 3,698 |
| Noninterest expense to average assets | 2.5135% | 3,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1708% | 2,359 |
| Return on assets (ROA) | 1.1642% | 2,399 |
| Pretax return on assets | 1.3724% | 2,334 |
| Return on Equity (ROE) | 7.8329% | 3,612 |
| Retained earnings to average equity (ytd only) | 7.8329% | 1,731 |
| Net charge-offs to loans | 0.0632% | 1,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 35.6367% | 1,449 |
| Efficiency ratio | 64.5524% | 3,093 |
| Assets per employee ($millions) | 4.7558% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,449 |
| Loan loss allowance to noncurrent loans | 28.7301% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 2.8525% | 271 |
| Noncurrent loans to loans | 4.2823% | 183 |
| Net loans and leases to total assets | 62.0189% | 3,654 |
| Net loans and leases to deposits | 75.6186% | 3,445 |
| Net loans and leases to core deposits | 84.0952% | 3,147 |
| Total domestic deposits to total assets | 82.0154% | 3,602 |
| Equity capital to assets | 15.0156% | 716 |
| Core capital (leverage) ratio | 15.7858% | 553 |
| Tier 1 risk-based capital ratio | 23.5026% | 891 |
| Total risk-based capital ratio | 24.6525% | 882 |
| Memoranda: | ||
| Average total assets | $237,534,250 | 2,572 |
| Average earning assets | $220,943,250 | 2,568 |
| Average equity | $35,303,250 | 2,067 |
| Average total loans | $145,491,000 | 2,714 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,853 |
| Cost of funding earning assets | 0.5383% | 2,701 |
| Net interest margin | 3.7364% | 2,806 |
| Noninterest income to average assets | 0.3689% | 3,694 |
| Noninterest expense to average assets | 2.4553% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1754% | 2,298 |
| Return on assets (ROA) | 1.1640% | 2,334 |
| Pretax return on assets | 1.3788% | 2,222 |
| Return on Equity (ROE) | 7.8592% | 3,562 |
| Retained earnings to average equity (ytd only) | 7.8592% | 1,683 |
| Net charge-offs to loans | 0.0915% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 25.0455% | 1,650 |
| Efficiency ratio | 63.8135% | 3,337 |
| Assets per employee ($millions) | 4.7630% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,453 |
| Loan loss allowance to noncurrent loans | 27.9084% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 2.9007% | 264 |
| Noncurrent loans to loans | 4.4650% | 175 |
| Net loans and leases to total assets | 61.2303% | 3,679 |
| Net loans and leases to deposits | 72.0996% | 3,708 |
| Net loans and leases to core deposits | 78.6308% | 3,526 |
| Total domestic deposits to total assets | 84.9246% | 2,700 |
| Equity capital to assets | 14.9179% | 701 |
| Core capital (leverage) ratio | 15.5366% | 563 |
| Tier 1 risk-based capital ratio | 23.3209% | 904 |
| Total risk-based capital ratio | 24.4851% | 894 |
| Memoranda: | ||
| Average total assets | $237,448,330 | 2,584 |
| Average earning assets | $221,069,000 | 2,578 |
| Average equity | $35,169,000 | 2,082 |
| Average total loans | $144,217,000 | 2,743 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,494 |
| Cost of funding earning assets | 0.5321% | 2,529 |
| Net interest margin | 3.7734% | 2,530 |
| Noninterest income to average assets | 0.3374% | 3,902 |
| Noninterest expense to average assets | 2.5711% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9802% | 2,938 |
| Return on assets (ROA) | 0.9802% | 2,967 |
| Pretax return on assets | 1.2721% | 2,468 |
| Return on Equity (ROE) | 6.6419% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.6419% | 2,435 |
| Net charge-offs to loans | -0.0870% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9008% | 3,018 |
| Assets per employee ($millions) | 4.8164% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 2,005 |
| Loan loss allowance to noncurrent loans | 32.7916% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.6262% | 338 |
| Noncurrent loans to loans | 4.1313% | 236 |
| Net loans and leases to total assets | 59.7638% | 3,772 |
| Net loans and leases to deposits | 70.2300% | 3,774 |
| Net loans and leases to core deposits | 76.6370% | 3,611 |
| Total domestic deposits to total assets | 85.0973% | 2,900 |
| Equity capital to assets | 14.7752% | 721 |
| Core capital (leverage) ratio | 15.2394% | 609 |
| Tier 1 risk-based capital ratio | 23.3911% | 906 |
| Total risk-based capital ratio | 24.6406% | 883 |
| Memoranda: | ||
| Average total assets | $237,097,500 | 2,612 |
| Average earning assets | $220,280,000 | 2,610 |
| Average equity | $34,990,000 | 2,098 |
| Average total loans | $142,495,500 | 2,783 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 2,875 |
| Cost of funding earning assets | 0.5364% | 2,061 |
| Net interest margin | 3.6158% | 3,118 |
| Noninterest income to average assets | 0.3194% | 4,178 |
| Noninterest expense to average assets | 2.3223% | 4,271 |
| Loan and lease loss provision to assets | 0.0426% | 3,397 |
| Net operating income to assets | 0.8953% | 2,737 |
| Return on assets (ROA) | 0.8419% | 3,015 |
| Pretax return on assets | 1.2309% | 2,632 |
| Return on Equity (ROE) | 5.7342% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.0661% | 2,085 |
| Net charge-offs to loans | 0.0190% | 3,470 |
| Credit loss provision to net charge-offs | 384.6154% | 787 |
| Earnings coverage of net charge-offs (x) | 121.9231% | 552 |
| Efficiency ratio | 63.2037% | 3,731 |
| Assets per employee ($millions) | 4.8610% | 2,658 |
| Cash dividends to net income (ytd only)* | 11.6515% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 2,012 |
| Loan loss allowance to noncurrent loans | 32.8677% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.5606% | 357 |
| Noncurrent loans to loans | 4.0835% | 227 |
| Net loans and leases to total assets | 58.8196% | 3,939 |
| Net loans and leases to deposits | 69.1126% | 3,942 |
| Net loans and leases to core deposits | 75.0337% | 3,811 |
| Total domestic deposits to total assets | 85.1069% | 2,799 |
| Equity capital to assets | 14.7403% | 731 |
| Core capital (leverage) ratio | 14.9775% | 625 |
| Tier 1 risk-based capital ratio | 23.1332% | 901 |
| Total risk-based capital ratio | 24.3761% | 882 |
| Memoranda: | ||
| Average total assets | $234,470,200 | 2,607 |
| Average earning assets | $217,545,600 | 2,603 |
| Average equity | $34,424,800 | 2,112 |
| Average total loans | $136,806,800 | 2,827 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 2,824 |
| Cost of funding earning assets | 0.5387% | 1,963 |
| Net interest margin | 3.6052% | 3,130 |
| Noninterest income to average assets | 0.3117% | 4,297 |
| Noninterest expense to average assets | 2.2591% | 4,397 |
| Loan and lease loss provision to assets | 0.0571% | 2,946 |
| Net operating income to assets | 1.0541% | 2,314 |
| Return on assets (ROA) | 1.0482% | 2,378 |
| Pretax return on assets | 1.3348% | 2,347 |
| Return on Equity (ROE) | 7.1465% | 3,568 |
| Retained earnings to average equity (ytd only) | 7.1465% | 1,616 |
| Net charge-offs to loans | -0.0177% | 4,811 |
| Credit loss provision to net charge-offs | -555.5556% | 4,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7509% | 3,922 |
| Assets per employee ($millions) | 4.8910% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,818 |
| Loan loss allowance to noncurrent loans | 32.4675% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 2.7125% | 358 |
| Noncurrent loans to loans | 4.3718% | 210 |
| Net loans and leases to total assets | 57.6878% | 4,095 |
| Net loans and leases to deposits | 68.1680% | 4,101 |
| Net loans and leases to core deposits | 74.2508% | 3,956 |
| Total domestic deposits to total assets | 84.6260% | 2,872 |
| Equity capital to assets | 15.1580% | 700 |
| Core capital (leverage) ratio | 15.1908% | 625 |
| Tier 1 risk-based capital ratio | 23.8023% | 867 |
| Total risk-based capital ratio | 25.0525% | 851 |
| Memoranda: | ||
| Average total assets | $233,540,000 | 2,635 |
| Average earning assets | $216,795,250 | 2,627 |
| Average equity | $34,253,500 | 2,133 |
| Average total loans | $135,506,250 | 2,859 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 2,769 |
| Cost of funding earning assets | 0.5361% | 1,868 |
| Net interest margin | 3.5829% | 3,098 |
| Noninterest income to average assets | 0.3243% | 4,232 |
| Noninterest expense to average assets | 2.1662% | 4,635 |
| Loan and lease loss provision to assets | 0.0858% | 2,270 |
| Net operating income to assets | 1.1209% | 1,886 |
| Return on assets (ROA) | 1.1101% | 1,978 |
| Pretax return on assets | 1.4009% | 2,018 |
| Return on Equity (ROE) | 7.6547% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.6547% | 1,295 |
| Net charge-offs to loans | 0.0119% | 3,039 |
| Credit loss provision to net charge-offs | 1,250.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 218.6250% | 387 |
| Efficiency ratio | 59.0781% | 4,458 |
| Assets per employee ($millions) | 4.7609% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 1,917 |
| Loan loss allowance to noncurrent loans | 32.4781% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 2.7023% | 367 |
| Noncurrent loans to loans | 4.3356% | 198 |
| Net loans and leases to total assets | 57.7457% | 4,062 |
| Net loans and leases to deposits | 68.1232% | 4,065 |
| Net loans and leases to core deposits | 74.1131% | 3,932 |
| Total domestic deposits to total assets | 84.7666% | 2,901 |
| Equity capital to assets | 15.0705% | 694 |
| Core capital (leverage) ratio | 14.9874% | 629 |
| Tier 1 risk-based capital ratio | 23.5712% | 891 |
| Total risk-based capital ratio | 24.8217% | 878 |
| Memoranda: | ||
| Average total assets | $233,131,000 | 2,649 |
| Average earning assets | $217,478,670 | 2,633 |
| Average equity | $33,809,330 | 2,151 |
| Average total loans | $134,881,000 | 2,873 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 2,620 |
| Cost of funding earning assets | 0.5336% | 1,839 |
| Net interest margin | 3.5753% | 2,979 |
| Noninterest income to average assets | 0.2815% | 4,538 |
| Noninterest expense to average assets | 2.3222% | 4,347 |
| Loan and lease loss provision to assets | 0.1716% | 1,028 |
| Net operating income to assets | 0.9117% | 2,701 |
| Return on assets (ROA) | 0.8839% | 2,893 |
| Pretax return on assets | 1.0882% | 3,033 |
| Return on Equity (ROE) | 6.2169% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.2169% | 2,226 |
| Net charge-offs to loans | 0.1612% | 1,007 |
| Credit loss provision to net charge-offs | 185.1852% | 1,070 |
| Earnings coverage of net charge-offs (x) | 13.9630% | 1,751 |
| Efficiency ratio | 64.2145% | 3,800 |
| Assets per employee ($millions) | 5.1332% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 2,084 |
| Loan loss allowance to noncurrent loans | 31.8305% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.6537% | 410 |
| Noncurrent loans to loans | 4.3929% | 221 |
| Net loans and leases to total assets | 56.0840% | 4,159 |
| Net loans and leases to deposits | 65.5009% | 4,213 |
| Net loans and leases to core deposits | 71.1105% | 4,066 |
| Total domestic deposits to total assets | 85.6234% | 2,829 |
| Equity capital to assets | 14.2280% | 841 |
| Core capital (leverage) ratio | 14.5323% | 702 |
| Tier 1 risk-based capital ratio | 23.1761% | 954 |
| Total risk-based capital ratio | 24.4261% | 941 |
| Memoranda: | ||
| Average total assets | $233,055,000 | 2,681 |
| Average earning assets | $217,379,000 | 2,667 |
| Average equity | $33,135,500 | 2,189 |
| Average total loans | $134,004,000 | 2,901 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 2,995 |
| Cost of funding earning assets | 0.6309% | 1,151 |
| Net interest margin | 3.4265% | 3,723 |
| Noninterest income to average assets | 0.2930% | 4,645 |
| Noninterest expense to average assets | 2.3364% | 4,465 |
| Loan and lease loss provision to assets | 0.1645% | 1,500 |
| Net operating income to assets | 0.8683% | 2,988 |
| Return on assets (ROA) | 0.8839% | 3,027 |
| Pretax return on assets | 1.0147% | 3,425 |
| Return on Equity (ROE) | 6.0178% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.3309% | 2,110 |
| Net charge-offs to loans | 0.3106% | 888 |
| Credit loss provision to net charge-offs | 92.3645% | 2,758 |
| Earnings coverage of net charge-offs (x) | 6.5197% | 3,161 |
| Efficiency ratio | 66.8005% | 3,467 |
| Assets per employee ($millions) | 4.9997% | 2,391 |
| Cash dividends to net income (ytd only)* | 11.4144% | 3,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 2,222 |
| Loan loss allowance to noncurrent loans | 28.5003% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.9450% | 351 |
| Noncurrent loans to loans | 4.8077% | 174 |
| Net loans and leases to total assets | 57.3383% | 4,136 |
| Net loans and leases to deposits | 66.9722% | 4,174 |
| Net loans and leases to core deposits | 73.1261% | 3,996 |
| Total domestic deposits to total assets | 85.6151% | 2,771 |
| Equity capital to assets | 14.2075% | 824 |
| Core capital (leverage) ratio | 14.5888% | 674 |
| Tier 1 risk-based capital ratio | 22.9929% | 966 |
| Total risk-based capital ratio | 24.2425% | 953 |
| Memoranda: | ||
| Average total assets | $227,958,800 | 2,683 |
| Average earning assets | $213,189,200 | 2,663 |
| Average equity | $33,483,800 | 2,154 |
| Average total loans | $130,703,200 | 2,908 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,082 |
| Cost of funding earning assets | 0.6480% | 1,069 |
| Net interest margin | 3.3898% | 3,888 |
| Noninterest income to average assets | 0.2843% | 4,733 |
| Noninterest expense to average assets | 2.3278% | 4,466 |
| Loan and lease loss provision to assets | 0.0293% | 3,655 |
| Net operating income to assets | 0.9176% | 2,818 |
| Return on assets (ROA) | 0.9273% | 2,893 |
| Pretax return on assets | 1.1126% | 3,175 |
| Return on Equity (ROE) | 6.2616% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.2616% | 2,027 |
| Net charge-offs to loans | 0.1180% | 1,768 |
| Credit loss provision to net charge-offs | 43.4783% | 3,116 |
| Earnings coverage of net charge-offs (x) | 16.7651% | 2,091 |
| Efficiency ratio | 67.3165% | 3,354 |
| Assets per employee ($millions) | 5.2405% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 2,423 |
| Loan loss allowance to noncurrent loans | 30.2949% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 2.6884% | 478 |
| Noncurrent loans to loans | 4.4682% | 216 |
| Net loans and leases to total assets | 56.8260% | 4,216 |
| Net loans and leases to deposits | 67.0415% | 4,241 |
| Net loans and leases to core deposits | 73.3647% | 4,052 |
| Total domestic deposits to total assets | 84.7624% | 2,906 |
| Equity capital to assets | 14.9804% | 744 |
| Core capital (leverage) ratio | 14.5047% | 722 |
| Tier 1 risk-based capital ratio | 23.2206% | 975 |
| Total risk-based capital ratio | 24.4677% | 959 |
| Memoranda: | ||
| Average total assets | $227,452,500 | 2,698 |
| Average earning assets | $212,945,500 | 2,679 |
| Average equity | $33,686,000 | 2,163 |
| Average total loans | $129,953,750 | 2,929 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,130 |
| Cost of funding earning assets | 0.6663% | 957 |
| Net interest margin | 3.3654% | 4,007 |
| Noninterest income to average assets | 0.2924% | 4,696 |
| Noninterest expense to average assets | 2.1739% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0177% | 2,311 |
| Return on assets (ROA) | 1.0291% | 2,393 |
| Pretax return on assets | 1.2782% | 2,494 |
| Return on Equity (ROE) | 6.9759% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.9759% | 1,614 |
| Net charge-offs to loans | 0.1845% | 1,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.0252% | 2,213 |
| Efficiency ratio | 63.2323% | 4,148 |
| Assets per employee ($millions) | 5.0952% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,589 |
| Loan loss allowance to noncurrent loans | 33.1874% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 2.4406% | 582 |
| Noncurrent loans to loans | 4.0268% | 286 |
| Net loans and leases to total assets | 56.1554% | 4,291 |
| Net loans and leases to deposits | 66.2878% | 4,328 |
| Net loans and leases to core deposits | 72.6094% | 4,120 |
| Total domestic deposits to total assets | 84.7147% | 2,997 |
| Equity capital to assets | 14.9561% | 734 |
| Core capital (leverage) ratio | 14.7163% | 663 |
| Tier 1 risk-based capital ratio | 22.3856% | 1,091 |
| Total risk-based capital ratio | 23.5667% | 1,086 |
| Memoranda: | ||
| Average total assets | $226,409,670 | 2,718 |
| Average earning assets | $211,622,000 | 2,701 |
| Average equity | $33,400,670 | 2,179 |
| Average total loans | $128,995,670 | 2,946 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,089 |
| Cost of funding earning assets | 0.6876% | 858 |
| Net interest margin | 3.3483% | 4,049 |
| Noninterest income to average assets | 0.2880% | 4,668 |
| Noninterest expense to average assets | 2.0838% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0597% | 2,052 |
| Return on assets (ROA) | 1.0597% | 2,161 |
| Pretax return on assets | 1.3211% | 2,216 |
| Return on Equity (ROE) | 7.2341% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.2341% | 1,776 |
| Net charge-offs to loans | -0.0281% | 5,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2010% | 4,569 |
| Assets per employee ($millions) | 5.4334% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 2,148 |
| Loan loss allowance to noncurrent loans | 37.6887% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 2.3260% | 670 |
| Noncurrent loans to loans | 3.8807% | 322 |
| Net loans and leases to total assets | 55.2661% | 4,328 |
| Net loans and leases to deposits | 64.8490% | 4,354 |
| Net loans and leases to core deposits | 71.2702% | 4,129 |
| Total domestic deposits to total assets | 85.2228% | 3,033 |
| Equity capital to assets | 14.6247% | 800 |
| Core capital (leverage) ratio | 14.3894% | 719 |
| Tier 1 risk-based capital ratio | 22.8941% | 1,022 |
| Total risk-based capital ratio | 24.1444% | 1,003 |
| Memoranda: | ||
| Average total assets | $224,972,000 | 2,736 |
| Average earning assets | $209,420,000 | 2,729 |
| Average equity | $32,955,000 | 2,196 |
| Average total loans | $128,243,500 | 2,960 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 3,071 |
| Cost of funding earning assets | 0.7521% | 633 |
| Net interest margin | 3.3080% | 4,268 |
| Noninterest income to average assets | 0.2582% | 5,047 |
| Noninterest expense to average assets | 2.2706% | 4,872 |
| Loan and lease loss provision to assets | 0.1119% | 2,127 |
| Net operating income to assets | 0.8358% | 3,180 |
| Return on assets (ROA) | 0.8411% | 3,221 |
| Pretax return on assets | 0.9950% | 3,493 |
| Return on Equity (ROE) | 5.8800% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.9721% | 3,208 |
| Net charge-offs to loans | 0.3436% | 861 |
| Credit loss provision to net charge-offs | 56.6893% | 3,300 |
| Earnings coverage of net charge-offs (x) | 5.5782% | 3,362 |
| Efficiency ratio | 67.3524% | 3,685 |
| Assets per employee ($millions) | 5.5435% | 1,751 |
| Cash dividends to net income (ytd only)* | 32.4468% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 2,209 |
| Loan loss allowance to noncurrent loans | 37.2675% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 2.4497% | 636 |
| Noncurrent loans to loans | 3.8904% | 320 |
| Net loans and leases to total assets | 57.1085% | 4,185 |
| Net loans and leases to deposits | 67.0889% | 4,213 |
| Net loans and leases to core deposits | 74.8188% | 3,863 |
| Total domestic deposits to total assets | 85.1236% | 3,032 |
| Equity capital to assets | 14.6730% | 741 |
| Core capital (leverage) ratio | 14.3229% | 749 |
| Tier 1 risk-based capital ratio | 22.9142% | 1,023 |
| Total risk-based capital ratio | 24.1653% | 1,008 |
| Memoranda: | ||
| Average total assets | $223,510,200 | 2,717 |
| Average earning assets | $210,338,600 | 2,675 |
| Average equity | $31,972,800 | 2,203 |
| Average total loans | $128,346,200 | 2,911 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 3,170 |
| Cost of funding earning assets | 0.7632% | 610 |
| Net interest margin | 3.2773% | 4,437 |
| Noninterest income to average assets | 0.2542% | 5,121 |
| Noninterest expense to average assets | 2.2254% | 4,977 |
| Loan and lease loss provision to assets | 0.1488% | 1,466 |
| Net operating income to assets | 0.8209% | 3,333 |
| Return on assets (ROA) | 0.8234% | 3,397 |
| Pretax return on assets | 0.9788% | 3,697 |
| Return on Equity (ROE) | 5.7928% | 4,247 |
| Retained earnings to average equity (ytd only) | 4.2011% | 3,478 |
| Net charge-offs to loans | 0.4385% | 578 |
| Credit loss provision to net charge-offs | 59.2417% | 2,914 |
| Earnings coverage of net charge-offs (x) | 4.4763% | 3,344 |
| Efficiency ratio | 66.4297% | 3,814 |
| Assets per employee ($millions) | 5.5487% | 1,740 |
| Cash dividends to net income (ytd only)* | 27.4763% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 2,345 |
| Loan loss allowance to noncurrent loans | 35.8681% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 2.5515% | 668 |
| Noncurrent loans to loans | 4.0587% | 314 |
| Net loans and leases to total assets | 57.3993% | 4,211 |
| Net loans and leases to deposits | 67.3600% | 4,253 |
| Net loans and leases to core deposits | 75.3586% | 3,872 |
| Total domestic deposits to total assets | 85.2127% | 2,923 |
| Equity capital to assets | 14.5400% | 846 |
| Core capital (leverage) ratio | 14.0892% | 839 |
| Tier 1 risk-based capital ratio | 23.4765% | 1,003 |
| Total risk-based capital ratio | 24.7283% | 990 |
| Memoranda: | ||
| Average total assets | $223,952,500 | 2,739 |
| Average earning assets | $211,551,000 | 2,681 |
| Average equity | $31,832,000 | 2,223 |
| Average total loans | $128,308,750 | 2,931 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,158 |
| Cost of funding earning assets | 0.7704% | 589 |
| Net interest margin | 3.2592% | 4,458 |
| Noninterest income to average assets | 0.2644% | 5,059 |
| Noninterest expense to average assets | 2.1583% | 5,202 |
| Loan and lease loss provision to assets | 0.2003% | 978 |
| Net operating income to assets | 0.8430% | 3,156 |
| Return on assets (ROA) | 0.8468% | 3,246 |
| Pretax return on assets | 0.9955% | 3,605 |
| Return on Equity (ROE) | 6.0027% | 4,127 |
| Retained earnings to average equity (ytd only) | 6.0027% | 2,244 |
| Net charge-offs to loans | 0.5626% | 432 |
| Credit loss provision to net charge-offs | 62.5000% | 2,564 |
| Earnings coverage of net charge-offs (x) | 3.7167% | 3,148 |
| Efficiency ratio | 64.4338% | 4,286 |
| Assets per employee ($millions) | 5.5924% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 2,299 |
| Loan loss allowance to noncurrent loans | 36.3447% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.5401% | 736 |
| Noncurrent loans to loans | 4.1257% | 360 |
| Net loans and leases to total assets | 56.3529% | 4,304 |
| Net loans and leases to deposits | 65.8359% | 4,349 |
| Net loans and leases to core deposits | 73.6097% | 3,988 |
| Total domestic deposits to total assets | 85.5959% | 2,879 |
| Equity capital to assets | 14.2051% | 910 |
| Core capital (leverage) ratio | 13.8283% | 897 |
| Tier 1 risk-based capital ratio | 23.1094% | 1,066 |
| Total risk-based capital ratio | 24.3611% | 1,049 |
| Memoranda: | ||
| Average total assets | $224,621,000 | 2,750 |
| Average earning assets | $212,629,330 | 2,684 |
| Average equity | $31,685,670 | 2,235 |
| Average total loans | $127,985,670 | 2,949 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 3,594 |
| Cost of funding earning assets | 0.7749% | 576 |
| Net interest margin | 3.1278% | 4,861 |
| Noninterest income to average assets | 0.2470% | 5,186 |
| Noninterest expense to average assets | 2.2249% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8125% | 3,202 |
| Return on assets (ROA) | 0.8139% | 3,317 |
| Pretax return on assets | 1.0005% | 3,505 |
| Return on Equity (ROE) | 5.7900% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.7900% | 2,613 |
| Net charge-offs to loans | 0.6813% | 356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.5780% | 2,733 |
| Efficiency ratio | 69.0187% | 3,653 |
| Assets per employee ($millions) | 5.6636% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 2,722 |
| Loan loss allowance to noncurrent loans | 30.3421% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 2.8860% | 672 |
| Noncurrent loans to loans | 4.7556% | 300 |
| Net loans and leases to total assets | 55.3555% | 4,277 |
| Net loans and leases to deposits | 64.5856% | 4,307 |
| Net loans and leases to core deposits | 71.8503% | 3,981 |
| Total domestic deposits to total assets | 85.7087% | 3,089 |
| Equity capital to assets | 14.1518% | 934 |
| Core capital (leverage) ratio | 13.8386% | 874 |
| Tier 1 risk-based capital ratio | 22.9365% | 1,112 |
| Total risk-based capital ratio | 24.1875% | 1,099 |
| Memoranda: | ||
| Average total assets | $225,084,500 | 2,764 |
| Average earning assets | $214,208,000 | 2,690 |
| Average equity | $31,640,500 | 2,250 |
| Average total loans | $127,990,000 | 2,949 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,694 |
| Cost of funding earning assets | 0.8877% | 412 |
| Net interest margin | 3.1216% | 5,150 |
| Noninterest income to average assets | 0.2681% | 5,211 |
| Noninterest expense to average assets | 2.0632% | 5,653 |
| Loan and lease loss provision to assets | 0.3151% | 640 |
| Net operating income to assets | 0.7645% | 3,542 |
| Return on assets (ROA) | 0.7689% | 3,627 |
| Pretax return on assets | 0.8615% | 4,031 |
| Return on Equity (ROE) | 5.7424% | 4,290 |
| Retained earnings to average equity (ytd only) | 4.9703% | 2,621 |
| Net charge-offs to loans | 0.3593% | 1,215 |
| Credit loss provision to net charge-offs | 155.0661% | 1,565 |
| Earnings coverage of net charge-offs (x) | 5.7665% | 3,358 |
| Efficiency ratio | 63.7797% | 4,621 |
| Assets per employee ($millions) | 5.3244% | 1,931 |
| Cash dividends to net income (ytd only)* | 13.4459% | 4,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 2,110 |
| Loan loss allowance to noncurrent loans | 34.4227% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 2.8861% | 728 |
| Noncurrent loans to loans | 4.6349% | 349 |
| Net loans and leases to total assets | 56.6508% | 4,244 |
| Net loans and leases to deposits | 66.6754% | 4,248 |
| Net loans and leases to core deposits | 74.7207% | 3,846 |
| Total domestic deposits to total assets | 84.9651% | 3,296 |
| Equity capital to assets | 13.9613% | 964 |
| Core capital (leverage) ratio | 13.6873% | 904 |
| Tier 1 risk-based capital ratio | 22.5560% | 1,141 |
| Total risk-based capital ratio | 23.8091% | 1,131 |
| Memoranda: | ||
| Average total assets | $223,438,600 | 2,748 |
| Average earning assets | $212,356,400 | 2,685 |
| Average equity | $29,917,800 | 2,272 |
| Average total loans | $126,368,200 | 2,936 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,779 |
| Cost of funding earning assets | 0.8862% | 446 |
| Net interest margin | 3.1094% | 5,228 |
| Noninterest income to average assets | 0.2745% | 5,243 |
| Noninterest expense to average assets | 1.9923% | 5,782 |
| Loan and lease loss provision to assets | 0.4208% | 392 |
| Net operating income to assets | 0.7350% | 3,753 |
| Return on assets (ROA) | 0.7156% | 3,962 |
| Pretax return on assets | 0.7992% | 4,366 |
| Return on Equity (ROE) | 5.4022% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.4022% | 2,824 |
| Net charge-offs to loans | 0.4261% | 931 |
| Credit loss provision to net charge-offs | 175.3731% | 1,419 |
| Earnings coverage of net charge-offs (x) | 5.1741% | 3,311 |
| Efficiency ratio | 61.6094% | 4,945 |
| Assets per employee ($millions) | 5.3654% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 2,185 |
| Loan loss allowance to noncurrent loans | 37.8141% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 2.7239% | 917 |
| Noncurrent loans to loans | 4.3214% | 462 |
| Net loans and leases to total assets | 57.6556% | 4,119 |
| Net loans and leases to deposits | 68.6228% | 4,066 |
| Net loans and leases to core deposits | 77.3833% | 3,594 |
| Total domestic deposits to total assets | 84.0182% | 3,757 |
| Equity capital to assets | 13.9607% | 1,020 |
| Core capital (leverage) ratio | 13.4757% | 1,004 |
| Tier 1 risk-based capital ratio | 22.3884% | 1,208 |
| Total risk-based capital ratio | 23.6425% | 1,191 |
| Memoranda: | ||
| Average total assets | $223,391,750 | 2,770 |
| Average earning assets | $212,596,750 | 2,704 |
| Average equity | $29,592,000 | 2,304 |
| Average total loans | $125,775,250 | 2,961 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 4,177 |
| Cost of funding earning assets | 0.8716% | 500 |
| Net interest margin | 3.0181% | 5,463 |
| Noninterest income to average assets | 0.2931% | 5,076 |
| Noninterest expense to average assets | 1.9962% | 5,846 |
| Loan and lease loss provision to assets | 0.4810% | 313 |
| Net operating income to assets | 0.6332% | 4,189 |
| Return on assets (ROA) | 0.6520% | 4,186 |
| Pretax return on assets | 0.7082% | 4,611 |
| Return on Equity (ROE) | 5.0104% | 4,667 |
| Retained earnings to average equity (ytd only) | 5.0104% | 2,951 |
| Net charge-offs to loans | 0.5340% | 767 |
| Credit loss provision to net charge-offs | 162.1622% | 1,384 |
| Earnings coverage of net charge-offs (x) | 3.9399% | 3,200 |
| Efficiency ratio | 63.0735% | 4,846 |
| Assets per employee ($millions) | 5.4954% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 2,530 |
| Loan loss allowance to noncurrent loans | 46.3685% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.1117% | 1,471 |
| Noncurrent loans to loans | 3.4144% | 792 |
| Net loans and leases to total assets | 55.4833% | 4,349 |
| Net loans and leases to deposits | 65.7005% | 4,296 |
| Net loans and leases to core deposits | 72.5736% | 3,990 |
| Total domestic deposits to total assets | 84.4487% | 3,750 |
| Equity capital to assets | 13.3836% | 1,199 |
| Core capital (leverage) ratio | 13.1632% | 1,103 |
| Tier 1 risk-based capital ratio | 22.5497% | 1,181 |
| Total risk-based capital ratio | 23.8032% | 1,163 |
| Memoranda: | ||
| Average total assets | $224,528,330 | 2,776 |
| Average earning assets | $213,641,000 | 2,699 |
| Average equity | $29,219,000 | 2,321 |
| Average total loans | $124,720,670 | 2,974 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 4,109 |
| Cost of funding earning assets | 0.8664% | 540 |
| Net interest margin | 3.0267% | 5,457 |
| Noninterest income to average assets | 0.2891% | 5,059 |
| Noninterest expense to average assets | 1.9488% | 5,981 |
| Loan and lease loss provision to assets | 0.2855% | 701 |
| Net operating income to assets | 0.7520% | 3,410 |
| Return on assets (ROA) | 0.7835% | 3,316 |
| Pretax return on assets | 0.9744% | 3,428 |
| Return on Equity (ROE) | 6.1076% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.1076% | 2,480 |
| Net charge-offs to loans | 0.3917% | 932 |
| Credit loss provision to net charge-offs | 132.2314% | 1,369 |
| Earnings coverage of net charge-offs (x) | 5.6529% | 2,346 |
| Efficiency ratio | 61.4865% | 5,202 |
| Assets per employee ($millions) | 5.5407% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 3,240 |
| Loan loss allowance to noncurrent loans | 43.0708% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 1,628 |
| Noncurrent loans to loans | 3.4339% | 865 |
| Net loans and leases to total assets | 54.0415% | 4,413 |
| Net loans and leases to deposits | 63.4669% | 4,377 |
| Net loans and leases to core deposits | 72.8076% | 3,781 |
| Total domestic deposits to total assets | 85.1490% | 3,801 |
| Equity capital to assets | 12.8912% | 1,360 |
| Core capital (leverage) ratio | 13.1462% | 1,108 |
| Tier 1 risk-based capital ratio | 22.4036% | 1,228 |
| Total risk-based capital ratio | 23.6552% | 1,201 |
| Memoranda: | ||
| Average total assets | $224,136,000 | 2,786 |
| Average earning assets | $213,305,000 | 2,718 |
| Average equity | $28,751,000 | 2,345 |
| Average total loans | $123,570,000 | 2,998 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 3,833 |
| Cost of funding earning assets | 1.0059% | 427 |
| Net interest margin | 3.0691% | 5,404 |
| Noninterest income to average assets | 0.3220% | 5,033 |
| Noninterest expense to average assets | 1.8903% | 6,202 |
| Loan and lease loss provision to assets | 0.3961% | 758 |
| Net operating income to assets | 0.7772% | 3,408 |
| Return on assets (ROA) | 0.8240% | 3,256 |
| Pretax return on assets | 0.9765% | 3,445 |
| Return on Equity (ROE) | 6.2182% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.4153% | 2,341 |
| Net charge-offs to loans | 0.4582% | 1,449 |
| Credit loss provision to net charge-offs | 165.7033% | 1,377 |
| Earnings coverage of net charge-offs (x) | 5.5087% | 3,283 |
| Efficiency ratio | 58.9401% | 5,617 |
| Assets per employee ($millions) | 5.5276% | 1,627 |
| Cash dividends to net income (ytd only)* | 12.9122% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 3,325 |
| Loan loss allowance to noncurrent loans | 52.7948% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.7354% | 2,132 |
| Noncurrent loans to loans | 2.7887% | 1,273 |
| Net loans and leases to total assets | 54.6024% | 4,520 |
| Net loans and leases to deposits | 64.3884% | 4,469 |
| Net loans and leases to core deposits | 74.1575% | 3,825 |
| Total domestic deposits to total assets | 84.8016% | 3,846 |
| Equity capital to assets | 12.7620% | 1,387 |
| Core capital (leverage) ratio | 13.1990% | 1,054 |
| Tier 1 risk-based capital ratio | 21.7815% | 1,297 |
| Total risk-based capital ratio | 23.0324% | 1,274 |
| Memoranda: | ||
| Average total assets | $217,103,200 | 2,838 |
| Average earning assets | $204,096,200 | 2,785 |
| Average equity | $28,770,400 | 2,322 |
| Average total loans | $113,280,200 | 3,184 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,909 |
| Cost of funding earning assets | 1.0148% | 457 |
| Net interest margin | 3.0411% | 5,486 |
| Noninterest income to average assets | 0.3153% | 5,178 |
| Noninterest expense to average assets | 1.7763% | 6,377 |
| Loan and lease loss provision to assets | 0.8206% | 231 |
| Net operating income to assets | 0.5617% | 4,521 |
| Return on assets (ROA) | 0.6349% | 4,318 |
| Pretax return on assets | 0.6460% | 4,863 |
| Return on Equity (ROE) | 4.7459% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.7459% | 3,274 |
| Net charge-offs to loans | 0.3557% | 1,770 |
| Credit loss provision to net charge-offs | 449.3243% | 592 |
| Earnings coverage of net charge-offs (x) | 7.6215% | 2,769 |
| Efficiency ratio | 56.0662% | 5,892 |
| Assets per employee ($millions) | 5.4385% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1389% | 1,432 |
| Loan loss allowance to noncurrent loans | 74.4928% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 2,619 |
| Noncurrent loans to loans | 2.8713% | 1,432 |
| Net loans and leases to total assets | 52.5159% | 4,817 |
| Net loans and leases to deposits | 61.7730% | 4,790 |
| Net loans and leases to core deposits | 71.2860% | 4,178 |
| Total domestic deposits to total assets | 85.0143% | 3,743 |
| Equity capital to assets | 12.8363% | 1,404 |
| Core capital (leverage) ratio | 13.1225% | 1,154 |
| Tier 1 risk-based capital ratio | 22.4089% | 1,247 |
| Total risk-based capital ratio | 23.6679% | 1,221 |
| Memoranda: | ||
| Average total assets | $216,103,500 | 2,875 |
| Average earning assets | $202,730,500 | 2,818 |
| Average equity | $28,908,750 | 2,341 |
| Average total loans | $110,967,500 | 3,246 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 4,259 |
| Cost of funding earning assets | 1.0231% | 484 |
| Net interest margin | 2.9375% | 5,712 |
| Noninterest income to average assets | 0.2968% | 5,330 |
| Noninterest expense to average assets | 1.7104% | 6,486 |
| Loan and lease loss provision to assets | 1.1641% | 140 |
| Net operating income to assets | 0.2430% | 5,792 |
| Return on assets (ROA) | 0.2922% | 5,771 |
| Pretax return on assets | 0.2198% | 6,052 |
| Return on Equity (ROE) | 2.1548% | 5,904 |
| Retained earnings to average equity (ytd only) | 2.1548% | 4,904 |
| Net charge-offs to loans | 0.1724% | 2,741 |
| Credit loss provision to net charge-offs | 1,335.1064% | 236 |
| Earnings coverage of net charge-offs (x) | 15.3085% | 1,752 |
| Efficiency ratio | 56.1681% | 5,946 |
| Assets per employee ($millions) | 5.8470% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 1,140 |
| Loan loss allowance to noncurrent loans | 75.4891% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6312% | 2,663 |
| Noncurrent loans to loans | 3.1351% | 1,404 |
| Net loans and leases to total assets | 50.0365% | 5,105 |
| Net loans and leases to deposits | 58.8039% | 5,090 |
| Net loans and leases to core deposits | 67.7804% | 4,520 |
| Total domestic deposits to total assets | 85.0905% | 3,851 |
| Equity capital to assets | 12.8096% | 1,416 |
| Core capital (leverage) ratio | 12.7995% | 1,247 |
| Tier 1 risk-based capital ratio | 22.0762% | 1,270 |
| Total risk-based capital ratio | 23.3364% | 1,245 |
| Memoranda: | ||
| Average total assets | $215,624,670 | 2,896 |
| Average earning assets | $201,739,000 | 2,847 |
| Average equity | $29,237,000 | 2,324 |
| Average total loans | $109,043,330 | 3,296 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 4,201 |
| Cost of funding earning assets | 1.0272% | 526 |
| Net interest margin | 2.9521% | 5,701 |
| Noninterest income to average assets | 0.2676% | 5,541 |
| Noninterest expense to average assets | 1.6612% | 6,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0870% | 1,912 |
| Return on assets (ROA) | 1.0870% | 2,020 |
| Pretax return on assets | 1.3564% | 2,019 |
| Return on Equity (ROE) | 7.8001% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.8001% | 1,826 |
| Net charge-offs to loans | 0.0518% | 3,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 52.1429% | 654 |
| Efficiency ratio | 55.0493% | 6,150 |
| Assets per employee ($millions) | 6.1210% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 4,506 |
| Loan loss allowance to noncurrent loans | 41.6260% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 2,854 |
| Noncurrent loans to loans | 3.2225% | 1,516 |
| Net loans and leases to total assets | 48.3642% | 5,188 |
| Net loans and leases to deposits | 57.6877% | 5,077 |
| Net loans and leases to core deposits | 66.5805% | 4,455 |
| Total domestic deposits to total assets | 83.8380% | 4,545 |
| Equity capital to assets | 13.6846% | 1,144 |
| Core capital (leverage) ratio | 13.1150% | 1,070 |
| Tier 1 risk-based capital ratio | 22.8559% | 1,180 |
| Total risk-based capital ratio | 24.0320% | 1,169 |
| Memoranda: | ||
| Average total assets | $215,268,000 | 2,928 |
| Average earning assets | $200,537,000 | 2,895 |
| Average equity | $29,999,500 | 2,291 |
| Average total loans | $108,129,000 | 3,331 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 4,360 |
| Cost of funding earning assets | 1.1867% | 620 |
| Net interest margin | 3.0739% | 5,874 |
| Noninterest income to average assets | 0.2642% | 5,572 |
| Noninterest expense to average assets | 1.8002% | 6,622 |
| Loan and lease loss provision to assets | 0.2749% | 2,448 |
| Net operating income to assets | 0.9542% | 2,525 |
| Return on assets (ROA) | 1.0279% | 2,427 |
| Pretax return on assets | 1.1784% | 2,874 |
| Return on Equity (ROE) | 7.3140% | 3,456 |
| Retained earnings to average equity (ytd only) | 6.5117% | 1,813 |
| Net charge-offs to loans | 0.3935% | 2,681 |
| Credit loss provision to net charge-offs | 139.2157% | 1,984 |
| Earnings coverage of net charge-offs (x) | 6.9314% | 2,708 |
| Efficiency ratio | 56.8112% | 5,969 |
| Assets per employee ($millions) | 5.6805% | 1,534 |
| Cash dividends to net income (ytd only)* | 10.9699% | 4,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,394 |
| Loan loss allowance to noncurrent loans | 48.5563% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 3,162 |
| Noncurrent loans to loans | 2.7838% | 1,892 |
| Net loans and leases to total assets | 50.8005% | 5,064 |
| Net loans and leases to deposits | 61.3407% | 4,859 |
| Net loans and leases to core deposits | 71.5525% | 4,097 |
| Total domestic deposits to total assets | 82.8170% | 4,790 |
| Equity capital to assets | 14.1993% | 971 |
| Core capital (leverage) ratio | 13.2250% | 1,040 |
| Tier 1 risk-based capital ratio | 22.5962% | 1,172 |
| Total risk-based capital ratio | 23.7951% | 1,155 |
| Memoranda: | ||
| Average total assets | $206,640,200 | 2,966 |
| Average earning assets | $195,253,800 | 2,896 |
| Average equity | $29,040,200 | 2,317 |
| Average total loans | $103,689,600 | 3,444 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 4,059 |
| Cost of funding earning assets | 1.2145% | 648 |
| Net interest margin | 3.1832% | 5,740 |
| Noninterest income to average assets | 0.2508% | 5,769 |
| Noninterest expense to average assets | 1.6479% | 6,831 |
| Loan and lease loss provision to assets | 0.1963% | 3,125 |
| Net operating income to assets | 1.1591% | 1,872 |
| Return on assets (ROA) | 1.1878% | 1,963 |
| Pretax return on assets | 1.4528% | 2,067 |
| Return on Equity (ROE) | 8.4744% | 3,054 |
| Retained earnings to average equity (ytd only) | 8.4744% | 1,417 |
| Net charge-offs to loans | 0.0624% | 4,800 |
| Credit loss provision to net charge-offs | 631.2500% | 426 |
| Earnings coverage of net charge-offs (x) | 51.8945% | 734 |
| Efficiency ratio | 50.5165% | 6,545 |
| Assets per employee ($millions) | 5.7084% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 4,068 |
| Loan loss allowance to noncurrent loans | 53.1016% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.4147% | 3,481 |
| Noncurrent loans to loans | 2.7665% | 2,036 |
| Net loans and leases to total assets | 49.4742% | 5,375 |
| Net loans and leases to deposits | 60.6369% | 5,132 |
| Net loans and leases to core deposits | 70.7596% | 4,402 |
| Total domestic deposits to total assets | 81.5909% | 5,164 |
| Equity capital to assets | 14.2701% | 1,053 |
| Core capital (leverage) ratio | 13.2697% | 1,078 |
| Tier 1 risk-based capital ratio | 22.5129% | 1,248 |
| Total risk-based capital ratio | 23.7631% | 1,224 |
| Memoranda: | ||
| Average total assets | $205,755,500 | 3,013 |
| Average earning assets | $194,639,250 | 2,930 |
| Average equity | $28,839,250 | 2,346 |
| Average total loans | $102,553,250 | 3,495 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 4,176 |
| Cost of funding earning assets | 1.2350% | 699 |
| Net interest margin | 3.1685% | 5,826 |
| Noninterest income to average assets | 0.2599% | 5,715 |
| Noninterest expense to average assets | 1.5436% | 6,976 |
| Loan and lease loss provision to assets | 0.1618% | 3,491 |
| Net operating income to assets | 1.2518% | 1,564 |
| Return on assets (ROA) | 1.2926% | 1,611 |
| Pretax return on assets | 1.6172% | 1,498 |
| Return on Equity (ROE) | 9.2798% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.2798% | 1,181 |
| Net charge-offs to loans | 0.0020% | 5,490 |
| Credit loss provision to net charge-offs | 16,500.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,762.0000% | 10 |
| Efficiency ratio | 47.1823% | 6,822 |
| Assets per employee ($millions) | 6.2862% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 4,366 |
| Loan loss allowance to noncurrent loans | 45.1911% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6303% | 3,281 |
| Noncurrent loans to loans | 3.1526% | 1,851 |
| Net loans and leases to total assets | 48.8971% | 5,505 |
| Net loans and leases to deposits | 58.9321% | 5,354 |
| Net loans and leases to core deposits | 66.1484% | 4,985 |
| Total domestic deposits to total assets | 82.9718% | 4,768 |
| Equity capital to assets | 14.1330% | 1,038 |
| Core capital (leverage) ratio | 13.1824% | 1,099 |
| Tier 1 risk-based capital ratio | 22.7104% | 1,173 |
| Total risk-based capital ratio | 23.9435% | 1,161 |
| Memoranda: | ||
| Average total assets | $203,937,000 | 3,043 |
| Average earning assets | $193,844,330 | 2,952 |
| Average equity | $28,405,670 | 2,359 |
| Average total loans | $101,386,670 | 3,537 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 4,343 |
| Cost of funding earning assets | 1.2469% | 788 |
| Net interest margin | 3.1525% | 5,905 |
| Noninterest income to average assets | 0.2611% | 5,781 |
| Noninterest expense to average assets | 1.5590% | 7,009 |
| Loan and lease loss provision to assets | 0.2473% | 2,488 |
| Net operating income to assets | 1.1677% | 1,836 |
| Return on assets (ROA) | 1.1692% | 2,007 |
| Pretax return on assets | 1.4680% | 1,971 |
| Return on Equity (ROE) | 8.4581% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.4581% | 1,794 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6421% | 6,833 |
| Assets per employee ($millions) | 6.2527% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 4,536 |
| Loan loss allowance to noncurrent loans | 43.7999% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 3,384 |
| Noncurrent loans to loans | 3.2332% | 1,985 |
| Net loans and leases to total assets | 48.1443% | 5,537 |
| Net loans and leases to deposits | 57.8732% | 5,389 |
| Net loans and leases to core deposits | 67.2857% | 4,762 |
| Total domestic deposits to total assets | 83.1892% | 4,849 |
| Equity capital to assets | 13.6572% | 1,169 |
| Core capital (leverage) ratio | 12.8930% | 1,164 |
| Tier 1 risk-based capital ratio | 22.4018% | 1,227 |
| Total risk-based capital ratio | 23.6185% | 1,207 |
| Memoranda: | ||
| Average total assets | $202,183,500 | 3,082 |
| Average earning assets | $193,116,000 | 2,984 |
| Average equity | $27,949,500 | 2,390 |
| Average total loans | $100,630,000 | 3,580 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 3,745 |
| Cost of funding earning assets | 1.5078% | 692 |
| Net interest margin | 3.3062% | 5,793 |
| Noninterest income to average assets | 0.2616% | 5,667 |
| Noninterest expense to average assets | 1.8163% | 6,937 |
| Loan and lease loss provision to assets | 0.4298% | 2,449 |
| Net operating income to assets | 0.9816% | 2,273 |
| Return on assets (ROA) | 1.0419% | 2,180 |
| Pretax return on assets | 1.2350% | 2,342 |
| Return on Equity (ROE) | 7.3453% | 3,221 |
| Retained earnings to average equity (ytd only) | 5.5774% | 2,253 |
| Net charge-offs to loans | 0.4840% | 3,061 |
| Credit loss provision to net charge-offs | 165.0104% | 1,646 |
| Earnings coverage of net charge-offs (x) | 6.1159% | 2,593 |
| Efficiency ratio | 53.2743% | 6,579 |
| Assets per employee ($millions) | 6.0009% | 1,226 |
| Cash dividends to net income (ytd only)* | 24.0683% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,921 |
| Loan loss allowance to noncurrent loans | 44.3801% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 1.5533% | 3,620 |
| Noncurrent loans to loans | 2.9216% | 2,230 |
| Net loans and leases to total assets | 50.0886% | 5,568 |
| Net loans and leases to deposits | 60.1987% | 5,460 |
| Net loans and leases to core deposits | 68.6659% | 4,948 |
| Total domestic deposits to total assets | 83.2055% | 4,664 |
| Equity capital to assets | 13.9974% | 1,065 |
| Core capital (leverage) ratio | 13.3198% | 1,035 |
| Tier 1 risk-based capital ratio | 22.7770% | 1,124 |
| Total risk-based capital ratio | 23.9326% | 1,114 |
| Memoranda: | ||
| Average total assets | $185,431,200 | 3,253 |
| Average earning assets | $176,549,000 | 3,135 |
| Average equity | $26,302,600 | 2,454 |
| Average total loans | $99,795,000 | 3,625 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 3,646 |
| Cost of funding earning assets | 1.5353% | 753 |
| Net interest margin | 3.3427% | 5,739 |
| Noninterest income to average assets | 0.2904% | 5,534 |
| Noninterest expense to average assets | 1.6867% | 7,107 |
| Loan and lease loss provision to assets | 0.2560% | 3,458 |
| Net operating income to assets | 1.2149% | 1,613 |
| Return on assets (ROA) | 1.2822% | 1,527 |
| Pretax return on assets | 1.6121% | 1,350 |
| Return on Equity (ROE) | 9.0073% | 2,592 |
| Retained earnings to average equity (ytd only) | 7.4659% | 1,726 |
| Net charge-offs to loans | 0.1432% | 4,632 |
| Credit loss provision to net charge-offs | 327.1028% | 857 |
| Earnings coverage of net charge-offs (x) | 22.7949% | 1,140 |
| Efficiency ratio | 48.5985% | 6,913 |
| Assets per employee ($millions) | 6.0495% | 1,173 |
| Cash dividends to net income (ytd only)* | 17.1136% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,383 |
| Loan loss allowance to noncurrent loans | 35.7309% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 1.9180% | 3,238 |
| Noncurrent loans to loans | 3.4221% | 2,010 |
| Net loans and leases to total assets | 51.4115% | 5,524 |
| Net loans and leases to deposits | 62.0636% | 5,394 |
| Net loans and leases to core deposits | 69.8198% | 4,967 |
| Total domestic deposits to total assets | 82.8368% | 4,746 |
| Equity capital to assets | 14.3039% | 1,054 |
| Core capital (leverage) ratio | 13.7694% | 966 |
| Tier 1 risk-based capital ratio | 23.1795% | 1,126 |
| Total risk-based capital ratio | 24.2920% | 1,122 |
| Memoranda: | ||
| Average total assets | $182,281,750 | 3,311 |
| Average earning assets | $173,430,750 | 3,191 |
| Average equity | $25,948,500 | 2,488 |
| Average total loans | $99,620,500 | 3,658 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 3,453 |
| Cost of funding earning assets | 1.5613% | 809 |
| Net interest margin | 3.3767% | 5,619 |
| Noninterest income to average assets | 0.2745% | 5,685 |
| Noninterest expense to average assets | 1.6223% | 7,243 |
| Loan and lease loss provision to assets | 0.2353% | 3,559 |
| Net operating income to assets | 1.2892% | 1,350 |
| Return on assets (ROA) | 1.3478% | 1,274 |
| Pretax return on assets | 1.7220% | 1,009 |
| Return on Equity (ROE) | 9.4844% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.4844% | 966 |
| Net charge-offs to loans | 0.1753% | 4,118 |
| Credit loss provision to net charge-offs | 241.3793% | 1,252 |
| Earnings coverage of net charge-offs (x) | 19.3103% | 1,223 |
| Efficiency ratio | 46.2916% | 7,145 |
| Assets per employee ($millions) | 5.6870% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,859 |
| Loan loss allowance to noncurrent loans | 38.6917% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 1.7320% | 3,604 |
| Noncurrent loans to loans | 2.9014% | 2,516 |
| Net loans and leases to total assets | 53.8193% | 5,320 |
| Net loans and leases to deposits | 65.1061% | 5,133 |
| Net loans and leases to core deposits | 76.6215% | 4,238 |
| Total domestic deposits to total assets | 82.6640% | 4,922 |
| Equity capital to assets | 14.5957% | 915 |
| Core capital (leverage) ratio | 14.1261% | 842 |
| Tier 1 risk-based capital ratio | 23.6418% | 1,045 |
| Total risk-based capital ratio | 24.6761% | 1,054 |
| Memoranda: | ||
| Average total assets | $178,514,670 | 3,385 |
| Average earning assets | $170,757,330 | 3,266 |
| Average equity | $25,368,000 | 2,522 |
| Average total loans | $99,242,000 | 3,706 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9458% | 3,349 |
| Cost of funding earning assets | 1.5879% | 853 |
| Net interest margin | 3.3579% | 5,587 |
| Noninterest income to average assets | 0.2647% | 5,778 |
| Noninterest expense to average assets | 1.5929% | 7,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4689% | 937 |
| Return on assets (ROA) | 1.5024% | 914 |
| Pretax return on assets | 1.9256% | 644 |
| Return on Equity (ROE) | 10.7222% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.7222% | 950 |
| Net charge-offs to loans | 0.0966% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 34.6667% | 749 |
| Efficiency ratio | 45.8333% | 7,211 |
| Assets per employee ($millions) | 5.8152% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,489 |
| Loan loss allowance to noncurrent loans | 38.4769% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 1.5138% | 3,981 |
| Noncurrent loans to loans | 2.5232% | 2,958 |
| Net loans and leases to total assets | 54.6028% | 5,221 |
| Net loans and leases to deposits | 65.4588% | 5,054 |
| Net loans and leases to core deposits | 76.9056% | 4,172 |
| Total domestic deposits to total assets | 83.4155% | 4,736 |
| Equity capital to assets | 14.0361% | 1,001 |
| Core capital (leverage) ratio | 13.9409% | 866 |
| Tier 1 risk-based capital ratio | 23.3825% | 1,041 |
| Total risk-based capital ratio | 24.2895% | 1,061 |
| Memoranda: | ||
| Average total assets | $176,779,500 | 3,437 |
| Average earning assets | $169,033,500 | 3,314 |
| Average equity | $24,771,000 | 2,566 |
| Average total loans | $99,335,500 | 3,742 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 3,803 |
| Cost of funding earning assets | 1.8672% | 953 |
| Net interest margin | 3.2928% | 5,999 |
| Noninterest income to average assets | 0.3388% | 5,365 |
| Noninterest expense to average assets | 2.0214% | 6,986 |
| Loan and lease loss provision to assets | 0.1575% | 5,632 |
| Net operating income to assets | 1.0791% | 1,762 |
| Return on assets (ROA) | 1.0981% | 1,793 |
| Pretax return on assets | 1.3362% | 1,839 |
| Return on Equity (ROE) | 7.6330% | 2,837 |
| Retained earnings to average equity (ytd only) | 6.5378% | 1,534 |
| Net charge-offs to loans | 0.0865% | 5,974 |
| Credit loss provision to net charge-offs | 324.3902% | 795 |
| Earnings coverage of net charge-offs (x) | 30.2805% | 727 |
| Efficiency ratio | 57.8867% | 6,349 |
| Assets per employee ($millions) | 5.2512% | 1,802 |
| Cash dividends to net income (ytd only)* | 14.3474% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,410 |
| Loan loss allowance to noncurrent loans | 61.2005% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0601% | 4,884 |
| Noncurrent loans to loans | 1.6278% | 4,064 |
| Net loans and leases to total assets | 56.7171% | 5,226 |
| Net loans and leases to deposits | 69.5363% | 4,873 |
| Net loans and leases to core deposits | 78.3102% | 4,420 |
| Total domestic deposits to total assets | 81.5648% | 5,335 |
| Equity capital to assets | 13.9877% | 1,041 |
| Core capital (leverage) ratio | 13.6830% | 934 |
| Tier 1 risk-based capital ratio | 23.0069% | 1,036 |
| Total risk-based capital ratio | 23.9466% | 1,060 |
| Memoranda: | ||
| Average total assets | $168,840,000 | 3,561 |
| Average earning assets | $161,686,400 | 3,414 |
| Average equity | $24,289,400 | 2,630 |
| Average total loans | $94,766,800 | 3,933 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 3,959 |
| Cost of funding earning assets | 1.8912% | 1,060 |
| Net interest margin | 3.2838% | 6,071 |
| Noninterest income to average assets | 0.3442% | 5,415 |
| Noninterest expense to average assets | 1.7997% | 7,327 |
| Loan and lease loss provision to assets | 0.1717% | 5,327 |
| Net operating income to assets | 1.1841% | 1,640 |
| Return on assets (ROA) | 1.1884% | 1,718 |
| Pretax return on assets | 1.5143% | 1,574 |
| Return on Equity (ROE) | 8.2021% | 2,826 |
| Retained earnings to average equity (ytd only) | 7.6535% | 1,535 |
| Net charge-offs to loans | 0.0797% | 5,726 |
| Credit loss provision to net charge-offs | 385.7143% | 805 |
| Earnings coverage of net charge-offs (x) | 37.7525% | 719 |
| Efficiency ratio | 51.7131% | 7,008 |
| Assets per employee ($millions) | 5.3542% | 1,762 |
| Cash dividends to net income (ytd only)* | 6.6890% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,453 |
| Loan loss allowance to noncurrent loans | 45.2202% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 1.3827% | 4,398 |
| Noncurrent loans to loans | 2.1851% | 3,466 |
| Net loans and leases to total assets | 54.7270% | 5,739 |
| Net loans and leases to deposits | 66.7523% | 5,573 |
| Net loans and leases to core deposits | 76.4015% | 5,003 |
| Total domestic deposits to total assets | 81.9852% | 5,000 |
| Equity capital to assets | 14.4656% | 1,028 |
| Core capital (leverage) ratio | 13.6448% | 1,012 |
| Tier 1 risk-based capital ratio | 23.0194% | 1,068 |
| Total risk-based capital ratio | 23.9442% | 1,078 |
| Memoranda: | ||
| Average total assets | $167,728,000 | 3,626 |
| Average earning assets | $160,176,500 | 3,494 |
| Average equity | $24,302,000 | 2,674 |
| Average total loans | $93,640,250 | 4,031 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2478% | 3,723 |
| Cost of funding earning assets | 1.9081% | 1,212 |
| Net interest margin | 3.3398% | 5,875 |
| Noninterest income to average assets | 0.3424% | 5,412 |
| Noninterest expense to average assets | 1.7531% | 7,451 |
| Loan and lease loss provision to assets | 0.1712% | 5,155 |
| Net operating income to assets | 1.2170% | 1,519 |
| Return on assets (ROA) | 1.2189% | 1,573 |
| Pretax return on assets | 1.6037% | 1,293 |
| Return on Equity (ROE) | 8.4077% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.4077% | 1,293 |
| Net charge-offs to loans | 0.0953% | 5,191 |
| Credit loss provision to net charge-offs | 320.4545% | 1,144 |
| Earnings coverage of net charge-offs (x) | 33.1818% | 849 |
| Efficiency ratio | 49.7245% | 7,243 |
| Assets per employee ($millions) | 5.6265% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 6,627 |
| Loan loss allowance to noncurrent loans | 65.8875% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.0113% | 5,124 |
| Noncurrent loans to loans | 1.4284% | 4,566 |
| Net loans and leases to total assets | 54.4312% | 5,927 |
| Net loans and leases to deposits | 66.8681% | 5,702 |
| Net loans and leases to core deposits | 76.5602% | 5,131 |
| Total domestic deposits to total assets | 81.4009% | 5,246 |
| Equity capital to assets | 14.0825% | 1,136 |
| Core capital (leverage) ratio | 14.5251% | 813 |
| Tier 1 risk-based capital ratio | 23.4216% | 1,004 |
| Total risk-based capital ratio | 24.3156% | 1,040 |
| Memoranda: | ||
| Average total assets | $164,741,330 | 3,696 |
| Average earning assets | $157,017,330 | 3,573 |
| Average equity | $23,883,000 | 2,706 |
| Average total loans | $92,300,000 | 4,101 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2755% | 3,664 |
| Cost of funding earning assets | 1.9241% | 1,353 |
| Net interest margin | 3.3514% | 5,779 |
| Noninterest income to average assets | 0.3527% | 5,318 |
| Noninterest expense to average assets | 1.8236% | 7,443 |
| Loan and lease loss provision to assets | 0.2151% | 4,360 |
| Net operating income to assets | 1.1370% | 1,720 |
| Return on assets (ROA) | 1.1407% | 1,780 |
| Pretax return on assets | 1.5259% | 1,450 |
| Return on Equity (ROE) | 7.7475% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.7475% | 1,815 |
| Net charge-offs to loans | 0.0795% | 4,627 |
| Credit loss provision to net charge-offs | 477.7778% | 883 |
| Earnings coverage of net charge-offs (x) | 38.5556% | 714 |
| Efficiency ratio | 51.2298% | 7,218 |
| Assets per employee ($millions) | 5.5119% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,645 |
| Loan loss allowance to noncurrent loans | 55.9257% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 4,974 |
| Noncurrent loans to loans | 1.7145% | 4,172 |
| Net loans and leases to total assets | 54.5339% | 5,954 |
| Net loans and leases to deposits | 67.5059% | 5,648 |
| Net loans and leases to core deposits | 78.0243% | 5,016 |
| Total domestic deposits to total assets | 80.7839% | 5,525 |
| Equity capital to assets | 14.5008% | 1,001 |
| Core capital (leverage) ratio | 14.4171% | 875 |
| Tier 1 risk-based capital ratio | 24.2672% | 939 |
| Total risk-based capital ratio | 25.1850% | 953 |
| Memoranda: | ||
| Average total assets | $159,901,000 | 3,849 |
| Average earning assets | $153,009,000 | 3,704 |
| Average equity | $23,543,000 | 2,766 |
| Average total loans | $90,529,000 | 4,189 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6737% | 3,238 |
| Cost of funding earning assets | 2.2135% | 1,971 |
| Net interest margin | 3.4601% | 5,127 |
| Noninterest income to average assets | 0.4155% | 5,080 |
| Noninterest expense to average assets | 2.3919% | 6,490 |
| Loan and lease loss provision to assets | 0.1876% | 5,847 |
| Net operating income to assets | 0.8823% | 2,235 |
| Return on assets (ROA) | 0.9474% | 2,067 |
| Pretax return on assets | 1.2144% | 1,915 |
| Return on Equity (ROE) | 6.1204% | 3,167 |
| Retained earnings to average equity (ytd only) | 4.9397% | 1,850 |
| Net charge-offs to loans | 0.1853% | 5,499 |
| Credit loss provision to net charge-offs | 172.3270% | 2,466 |
| Earnings coverage of net charge-offs (x) | 12.1132% | 1,534 |
| Efficiency ratio | 64.4649% | 5,686 |
| Assets per employee ($millions) | 5.1482% | 2,019 |
| Cash dividends to net income (ytd only)* | 19.2919% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 6,837 |
| Loan loss allowance to noncurrent loans | 43.4900% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 4,204 |
| Noncurrent loans to loans | 2.0564% | 3,579 |
| Net loans and leases to total assets | 57.7581% | 5,696 |
| Net loans and leases to deposits | 71.0344% | 5,463 |
| Net loans and leases to core deposits | 104.7302% | 3,483 |
| Total domestic deposits to total assets | 81.3100% | 5,231 |
| Equity capital to assets | 14.9619% | 919 |
| Core capital (leverage) ratio | 14.7026% | 839 |
| Tier 1 risk-based capital ratio | 24.4212% | 910 |
| Total risk-based capital ratio | 25.2901% | 922 |
| Memoranda: | ||
| Average total assets | $146,078,000 | 4,012 |
| Average earning assets | $139,098,200 | 3,921 |
| Average equity | $22,612,800 | 2,875 |
| Average total loans | $85,807,800 | 4,338 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7217% | 3,232 |
| Cost of funding earning assets | 2.2327% | 2,266 |
| Net interest margin | 3.4890% | 4,903 |
| Noninterest income to average assets | 0.4361% | 4,990 |
| Noninterest expense to average assets | 2.1678% | 7,055 |
| Loan and lease loss provision to assets | 0.0972% | 6,395 |
| Net operating income to assets | 1.0924% | 1,757 |
| Return on assets (ROA) | 1.1417% | 1,675 |
| Pretax return on assets | 1.5640% | 1,253 |
| Return on Equity (ROE) | 7.3101% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.7172% | 1,623 |
| Net charge-offs to loans | 0.1243% | 5,451 |
| Credit loss provision to net charge-offs | 132.9114% | 3,760 |
| Earnings coverage of net charge-offs (x) | 21.7850% | 1,187 |
| Efficiency ratio | 57.6317% | 6,770 |
| Assets per employee ($millions) | 5.0329% | 2,109 |
| Cash dividends to net income (ytd only)* | 8.1103% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 7,140 |
| Loan loss allowance to noncurrent loans | 39.0191% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 1.4644% | 4,180 |
| Noncurrent loans to loans | 2.0383% | 3,585 |
| Net loans and leases to total assets | 59.1511% | 5,721 |
| Net loans and leases to deposits | 73.3452% | 5,468 |
| Net loans and leases to core deposits | 109.0901% | 3,336 |
| Total domestic deposits to total assets | 80.6475% | 5,207 |
| Equity capital to assets | 15.4456% | 900 |
| Core capital (leverage) ratio | 15.1807% | 823 |
| Tier 1 risk-based capital ratio | 25.3788% | 864 |
| Total risk-based capital ratio | 26.1813% | 882 |
| Memoranda: | ||
| Average total assets | $143,986,000 | 4,071 |
| Average earning assets | $137,228,000 | 3,982 |
| Average equity | $22,489,000 | 2,913 |
| Average total loans | $84,757,250 | 4,402 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7667% | 3,210 |
| Cost of funding earning assets | 2.2634% | 2,512 |
| Net interest margin | 3.5033% | 4,782 |
| Noninterest income to average assets | 0.4151% | 5,163 |
| Noninterest expense to average assets | 2.1292% | 7,214 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1376% | 1,639 |
| Return on assets (ROA) | 1.1662% | 1,647 |
| Pretax return on assets | 1.6661% | 1,079 |
| Return on Equity (ROE) | 7.4375% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.4375% | 1,418 |
| Net charge-offs to loans | 0.0699% | 5,531 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 39.6897% | 815 |
| Efficiency ratio | 56.7131% | 7,023 |
| Assets per employee ($millions) | 4.9037% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 7,247 |
| Loan loss allowance to noncurrent loans | 36.1993% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2412% | 4,453 |
| Noncurrent loans to loans | 2.1320% | 3,332 |
| Net loans and leases to total assets | 57.7697% | 5,996 |
| Net loans and leases to deposits | 71.2310% | 5,845 |
| Net loans and leases to core deposits | 105.3189% | 3,919 |
| Total domestic deposits to total assets | 81.1019% | 5,039 |
| Equity capital to assets | 15.2641% | 972 |
| Core capital (leverage) ratio | 15.3630% | 846 |
| Tier 1 risk-based capital ratio | 26.6509% | 805 |
| Total risk-based capital ratio | 27.4395% | 819 |
| Memoranda: | ||
| Average total assets | $141,652,000 | 4,143 |
| Average earning assets | $135,015,670 | 4,048 |
| Average equity | $22,211,670 | 2,945 |
| Average total loans | $83,000,670 | 4,498 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8721% | 2,928 |
| Cost of funding earning assets | 2.2764% | 2,809 |
| Net interest margin | 3.5957% | 4,331 |
| Noninterest income to average assets | 0.4319% | 4,947 |
| Noninterest expense to average assets | 2.2286% | 6,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1437% | 1,828 |
| Return on assets (ROA) | 1.1920% | 1,788 |
| Pretax return on assets | 1.7017% | 1,173 |
| Return on Equity (ROE) | 7.4966% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.4966% | 2,026 |
| Net charge-offs to loans | 0.0392% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 70.8750% | 571 |
| Efficiency ratio | 57.7181% | 6,743 |
| Assets per employee ($millions) | 4.9323% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 7,026 |
| Loan loss allowance to noncurrent loans | 54.7352% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 5,009 |
| Noncurrent loans to loans | 1.5283% | 3,991 |
| Net loans and leases to total assets | 56.5206% | 6,164 |
| Net loans and leases to deposits | 68.9565% | 6,081 |
| Net loans and leases to core deposits | 100.6812% | 4,476 |
| Total domestic deposits to total assets | 81.9656% | 4,564 |
| Equity capital to assets | 15.6308% | 940 |
| Core capital (leverage) ratio | 15.6975% | 830 |
| Tier 1 risk-based capital ratio | 27.4237% | 792 |
| Total risk-based capital ratio | 28.2768% | 797 |
| Memoranda: | ||
| Average total assets | $138,923,000 | 4,208 |
| Average earning assets | $132,490,000 | 4,099 |
| Average equity | $22,090,000 | 2,963 |
| Average total loans | $81,678,000 | 4,566 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3765% | 3,539 |
| Cost of funding earning assets | 2.9061% | 2,244 |
| Net interest margin | 3.4704% | 5,401 |
| Noninterest income to average assets | 0.3963% | 5,498 |
| Noninterest expense to average assets | 2.0669% | 7,307 |
| Loan and lease loss provision to assets | 0.0748% | 6,467 |
| Net operating income to assets | 1.1094% | 2,109 |
| Return on assets (ROA) | -0.2737% | 6,556 |
| Pretax return on assets | -0.6139% | 6,748 |
| Return on Equity (ROE) | -1.6977% | 6,463 |
| Retained earnings to average equity (ytd only) | -3.0613% | 6,124 |
| Net charge-offs to loans | 0.1046% | 5,258 |
| Credit loss provision to net charge-offs | 120.4819% | 4,455 |
| Earnings coverage of net charge-offs (x) | 26.1325% | 1,303 |
| Efficiency ratio | 56.0308% | 7,006 |
| Assets per employee ($millions) | 4.6486% | 2,404 |
| Cash dividends to net income (ytd only)* | -80.3279% | 8,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 6,929 |
| Loan loss allowance to noncurrent loans | 104.8632% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 5,746 |
| Noncurrent loans to loans | 0.8041% | 5,033 |
| Net loans and leases to total assets | 60.1878% | 5,883 |
| Net loans and leases to deposits | 74.8809% | 5,752 |
| Net loans and leases to core deposits | 110.7792% | 3,708 |
| Total domestic deposits to total assets | 80.3780% | 4,876 |
| Equity capital to assets | 16.1875% | 897 |
| Core capital (leverage) ratio | 15.8257% | 859 |
| Tier 1 risk-based capital ratio | 27.2556% | 817 |
| Total risk-based capital ratio | 28.1298% | 817 |
| Memoranda: | ||
| Average total assets | $133,724,400 | 4,207 |
| Average earning assets | $126,871,200 | 4,110 |
| Average equity | $21,559,200 | 3,035 |
| Average total loans | $79,326,600 | 4,542 |