Home > The Farmers Bank of Willards > Performance and Condition Ratios
The Farmers Bank of Willards, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 2,029 |
| Cost of funding earning assets | 1.0749% | 3,129 |
| Net interest margin | 3.9492% | 1,276 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.6928% | 1,756 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0226% | 2,146 |
| Return on assets (ROA) | 1.0226% | 2,125 |
| Pretax return on assets | 1.3605% | 1,721 |
| Return on Equity (ROE) | 11.1700% | 2,181 |
| Retained earnings to average equity (ytd only) | 7.9258% | 1,563 |
| Net charge-offs to loans | 0.0235% | 1,842 |
| Credit loss provision to net charge-offs | 442.8571% | 729 |
| Earnings coverage of net charge-offs (x) | 92.0952% | 940 |
| Efficiency ratio | 65.3265% | 2,441 |
| Assets per employee ($millions) | 7.4321% | 1,783 |
| Cash dividends to net income (ytd only)* | 29.0154% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 3,449 |
| Loan loss allowance to noncurrent loans | 1,344.8905% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 1,330 |
| Noncurrent loans to loans | 0.0723% | 3,202 |
| Net loans and leases to total assets | 67.3600% | 2,110 |
| Net loans and leases to deposits | 86.0195% | 1,615 |
| Net loans and leases to core deposits | 92.0574% | 1,897 |
| Total domestic deposits to total assets | 78.3100% | 3,692 |
| Equity capital to assets | 9.2771% | 2,495 |
| Core capital (leverage) ratio | 9.6848% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8913% | 1,093 |
| Memoranda: | ||
| Average total assets | $541,257,400 | 1,639 |
| Average earning assets | $513,247,400 | 1,595 |
| Average equity | $49,572,400 | 1,621 |
| Average total loans | $357,742,200 | 1,586 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 2,034 |
| Cost of funding earning assets | 0.9590% | 3,135 |
| Net interest margin | 3.9534% | 1,294 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.7635% | 1,512 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9694% | 2,452 |
| Return on assets (ROA) | 0.9694% | 2,446 |
| Pretax return on assets | 1.2883% | 2,074 |
| Return on Equity (ROE) | 10.6200% | 2,476 |
| Retained earnings to average equity (ytd only) | 10.6201% | 1,237 |
| Net charge-offs to loans | 0.0322% | 1,435 |
| Credit loss provision to net charge-offs | 297.6471% | 895 |
| Earnings coverage of net charge-offs (x) | 64.0471% | 1,166 |
| Efficiency ratio | 67.1633% | 2,120 |
| Assets per employee ($millions) | 7.3092% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 3,528 |
| Loan loss allowance to noncurrent loans | 1,886.2434% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 1,410 |
| Noncurrent loans to loans | 0.0509% | 3,390 |
| Net loans and leases to total assets | 67.0500% | 2,160 |
| Net loans and leases to deposits | 81.7865% | 1,916 |
| Net loans and leases to core deposits | 86.7120% | 2,140 |
| Total domestic deposits to total assets | 81.9800% | 3,211 |
| Equity capital to assets | 9.2621% | 2,245 |
| Core capital (leverage) ratio | 9.6877% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9637% | 1,111 |
| Memoranda: | ||
| Average total assets | $537,220,750 | 1,646 |
| Average earning assets | $508,848,500 | 1,602 |
| Average equity | $49,037,750 | 1,624 |
| Average total loans | $352,383,250 | 1,604 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7783% | 2,040 |
| Cost of funding earning assets | 0.8237% | 3,147 |
| Net interest margin | 3.9546% | 1,318 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.5466% | 2,080 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1354% | 2,018 |
| Return on assets (ROA) | 1.1354% | 2,012 |
| Pretax return on assets | 1.5185% | 1,561 |
| Return on Equity (ROE) | 12.5000% | 2,009 |
| Retained earnings to average equity (ytd only) | 12.5013% | 886 |
| Net charge-offs to loans | 0.0110% | 1,789 |
| Credit loss provision to net charge-offs | 800.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 221.2105% | 553 |
| Efficiency ratio | 61.7805% | 2,742 |
| Assets per employee ($millions) | 7.4326% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,465 |
| Loan loss allowance to noncurrent loans | 1,092.8793% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 1,230 |
| Noncurrent loans to loans | 0.0907% | 3,053 |
| Net loans and leases to total assets | 64.0700% | 2,377 |
| Net loans and leases to deposits | 77.7909% | 2,151 |
| Net loans and leases to core deposits | 81.9479% | 2,338 |
| Total domestic deposits to total assets | 82.3700% | 3,162 |
| Equity capital to assets | 9.0708% | 2,466 |
| Core capital (leverage) ratio | 9.8569% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8057% | 1,154 |
| Memoranda: | ||
| Average total assets | $533,564,000 | 1,657 |
| Average earning assets | $504,780,667 | 1,619 |
| Average equity | $48,459,000 | 1,637 |
| Average total loans | $346,140,667 | 1,614 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 1,885 |
| Cost of funding earning assets | 0.6677% | 3,166 |
| Net interest margin | 4.0184% | 1,230 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.6080% | 1,930 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.0843% | 2,277 |
| Return on assets (ROA) | 1.0843% | 2,245 |
| Pretax return on assets | 1.4460% | 1,779 |
| Return on Equity (ROE) | 11.9300% | 2,235 |
| Retained earnings to average equity (ytd only) | 11.9305% | 1,283 |
| Net charge-offs to loans | 0.0516% | 848 |
| Credit loss provision to net charge-offs | 320.4545% | 669 |
| Earnings coverage of net charge-offs (x) | 46.3636% | 1,124 |
| Efficiency ratio | 62.6715% | 2,615 |
| Assets per employee ($millions) | 6.8756% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,471 |
| Loan loss allowance to noncurrent loans | 1,588.1818% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 913 |
| Noncurrent loans to loans | 0.0636% | 3,276 |
| Net loans and leases to total assets | 64.6300% | 2,188 |
| Net loans and leases to deposits | 75.7236% | 2,147 |
| Net loans and leases to core deposits | 78.5344% | 2,351 |
| Total domestic deposits to total assets | 85.3500% | 2,759 |
| Equity capital to assets | 9.2176% | 2,351 |
| Core capital (leverage) ratio | 9.7971% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6767% | 1,218 |
| Memoranda: | ||
| Average total assets | $525,305,000 | 1,693 |
| Average earning assets | $497,815,500 | 1,659 |
| Average equity | $47,743,000 | 1,670 |
| Average total loans | $341,238,000 | 1,648 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0708% | 1,539 |
| Cost of funding earning assets | 0.3228% | 2,700 |
| Net interest margin | 3.7480% | 1,272 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.4735% | 2,201 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.9353% | 2,830 |
| Return on assets (ROA) | 0.9351% | 2,775 |
| Pretax return on assets | 1.2562% | 2,257 |
| Return on Equity (ROE) | 10.4200% | 2,671 |
| Retained earnings to average equity (ytd only) | 7.0096% | 2,240 |
| Net charge-offs to loans | 0.0675% | 972 |
| Credit loss provision to net charge-offs | 269.8565% | 965 |
| Earnings coverage of net charge-offs (x) | 33.6651% | 1,619 |
| Efficiency ratio | 64.4251% | 2,446 |
| Assets per employee ($millions) | 6.5149% | 2,321 |
| Cash dividends to net income (ytd only)* | 32.7382% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 3,496 |
| Loan loss allowance to noncurrent loans | 275.2517% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 621 |
| Noncurrent loans to loans | 0.3539% | 1,878 |
| Net loans and leases to total assets | 64.0000% | 2,242 |
| Net loans and leases to deposits | 74.3063% | 2,234 |
| Net loans and leases to core deposits | 77.1973% | 2,333 |
| Total domestic deposits to total assets | 86.1200% | 2,691 |
| Equity capital to assets | 8.9576% | 2,383 |
| Core capital (leverage) ratio | 9.6665% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5561% | 1,219 |
| Memoranda: | ||
| Average total assets | $515,132,000 | 1,684 |
| Average earning assets | $487,248,800 | 1,661 |
| Average equity | $46,222,600 | 1,726 |
| Average total loans | $309,732,600 | 1,676 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 1,491 |
| Cost of funding earning assets | 0.3035% | 2,122 |
| Net interest margin | 3.5921% | 1,406 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.4913% | 2,039 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8509% | 3,061 |
| Return on assets (ROA) | 0.8507% | 3,039 |
| Pretax return on assets | 1.1445% | 2,576 |
| Return on Equity (ROE) | 9.4800% | 2,881 |
| Retained earnings to average equity (ytd only) | 9.4782% | 1,490 |
| Net charge-offs to loans | -0.0009% | 3,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2766% | 2,120 |
| Assets per employee ($millions) | 6.6388% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 3,502 |
| Loan loss allowance to noncurrent loans | 213.6821% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 600 |
| Noncurrent loans to loans | 0.4664% | 1,634 |
| Net loans and leases to total assets | 60.3500% | 2,465 |
| Net loans and leases to deposits | 66.7524% | 2,652 |
| Net loans and leases to core deposits | 69.1859% | 2,705 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 8.9255% | 2,261 |
| Core capital (leverage) ratio | 9.5710% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3656% | 1,108 |
| Memoranda: | ||
| Average total assets | $513,617,750 | 1,697 |
| Average earning assets | $485,459,000 | 1,672 |
| Average equity | $46,097,500 | 1,748 |
| Average total loans | $302,960,500 | 1,699 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7008% | 1,540 |
| Cost of funding earning assets | 0.3095% | 1,629 |
| Net interest margin | 3.3913% | 1,633 |
| Noninterest income to average assets | 0.2804% | 3,488 |
| Noninterest expense to average assets | 2.4859% | 1,974 |
| Loan and lease loss provision to assets | 0.0412% | 1,838 |
| Net operating income to assets | 0.7034% | 3,302 |
| Return on assets (ROA) | 0.7031% | 3,253 |
| Pretax return on assets | 0.9498% | 2,899 |
| Return on Equity (ROE) | 7.8195% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.8195% | 1,684 |
| Net charge-offs to loans | -0.0141% | 3,741 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4898% | 1,775 |
| Assets per employee ($millions) | 6.6863% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,630 |
| Loan loss allowance to noncurrent loans | 181.6667% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 587 |
| Noncurrent loans to loans | 0.5468% | 1,522 |
| Net loans and leases to total assets | 58.3215% | 2,498 |
| Net loans and leases to deposits | 64.4054% | 2,681 |
| Net loans and leases to core deposits | 66.9174% | 2,749 |
| Total domestic deposits to total assets | 90.5537% | 1,440 |
| Equity capital to assets | 8.8893% | 2,461 |
| Core capital (leverage) ratio | 9.4616% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5278% | 1,069 |
| Memoranda: | ||
| Average total assets | $510,003,000 | 1,710 |
| Average earning assets | $480,763,000 | 1,696 |
| Average equity | $45,859,667 | 1,806 |
| Average total loans | $297,387,667 | 1,714 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 1,448 |
| Cost of funding earning assets | 0.3177% | 1,487 |
| Net interest margin | 3.3036% | 1,556 |
| Noninterest income to average assets | 0.1777% | 4,109 |
| Noninterest expense to average assets | 2.4853% | 1,914 |
| Loan and lease loss provision to assets | 0.0413% | 1,612 |
| Net operating income to assets | 0.5535% | 3,545 |
| Return on assets (ROA) | 0.5529% | 3,522 |
| Pretax return on assets | 0.7433% | 3,269 |
| Return on Equity (ROE) | 6.1128% | 3,317 |
| Retained earnings to average equity (ytd only) | 6.1128% | 2,213 |
| Net charge-offs to loans | -0.0506% | 4,259 |
| Credit loss provision to net charge-offs | -140.5405% | 2,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9884% | 1,522 |
| Assets per employee ($millions) | 6.3775% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,628 |
| Loan loss allowance to noncurrent loans | 184.5165% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 604 |
| Noncurrent loans to loans | 0.5540% | 1,655 |
| Net loans and leases to total assets | 57.2157% | 2,387 |
| Net loans and leases to deposits | 63.2195% | 2,601 |
| Net loans and leases to core deposits | 65.7117% | 2,660 |
| Total domestic deposits to total assets | 90.5032% | 1,297 |
| Equity capital to assets | 8.9249% | 2,781 |
| Core capital (leverage) ratio | 9.6059% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6673% | 1,110 |
| Memoranda: | ||
| Average total assets | $504,240,500 | 1,719 |
| Average earning assets | $472,085,000 | 1,725 |
| Average equity | $45,609,500 | 1,865 |
| Average total loans | $292,474,000 | 1,726 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 1,350 |
| Cost of funding earning assets | 0.5180% | 859 |
| Net interest margin | 3.4878% | 1,775 |
| Noninterest income to average assets | 0.3590% | 3,288 |
| Noninterest expense to average assets | 2.5755% | 1,937 |
| Loan and lease loss provision to assets | -0.0147% | 4,193 |
| Net operating income to assets | 0.7844% | 3,380 |
| Return on assets (ROA) | 0.7861% | 3,444 |
| Pretax return on assets | 1.0607% | 3,103 |
| Return on Equity (ROE) | 8.1359% | 3,178 |
| Retained earnings to average equity (ytd only) | 4.9011% | 2,823 |
| Net charge-offs to loans | 0.0601% | 1,182 |
| Credit loss provision to net charge-offs | -38.8889% | 3,229 |
| Earnings coverage of net charge-offs (x) | 27.7056% | 1,672 |
| Efficiency ratio | 71.1567% | 1,597 |
| Assets per employee ($millions) | 6.2285% | 2,548 |
| Cash dividends to net income (ytd only)* | 39.7603% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,710 |
| Loan loss allowance to noncurrent loans | 607.0539% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 946 |
| Noncurrent loans to loans | 0.1662% | 3,113 |
| Net loans and leases to total assets | 57.6166% | 2,413 |
| Net loans and leases to deposits | 66.2762% | 2,486 |
| Net loans and leases to core deposits | 69.0620% | 2,541 |
| Total domestic deposits to total assets | 86.9341% | 2,548 |
| Equity capital to assets | 9.1683% | 3,447 |
| Core capital (leverage) ratio | 9.4743% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0787% | 1,027 |
| Memoranda: | ||
| Average total assets | $477,695,400 | 1,749 |
| Average earning assets | $446,554,400 | 1,742 |
| Average equity | $46,153,200 | 1,887 |
| Average total loans | $299,257,000 | 1,708 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 1,451 |
| Cost of funding earning assets | 0.5466% | 850 |
| Net interest margin | 3.4916% | 1,885 |
| Noninterest income to average assets | 0.3485% | 3,367 |
| Noninterest expense to average assets | 2.6209% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7328% | 3,692 |
| Return on assets (ROA) | 0.7350% | 3,749 |
| Pretax return on assets | 0.9906% | 3,490 |
| Return on Equity (ROE) | 7.5064% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.5064% | 2,218 |
| Net charge-offs to loans | 0.0707% | 945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 21.8813% | 1,698 |
| Efficiency ratio | 72.6271% | 1,347 |
| Assets per employee ($millions) | 5.8702% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,750 |
| Loan loss allowance to noncurrent loans | 596.0474% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 1,067 |
| Noncurrent loans to loans | 0.1724% | 3,257 |
| Net loans and leases to total assets | 58.9145% | 2,381 |
| Net loans and leases to deposits | 68.6060% | 2,381 |
| Net loans and leases to core deposits | 71.5656% | 2,461 |
| Total domestic deposits to total assets | 85.8737% | 2,793 |
| Equity capital to assets | 9.4970% | 3,373 |
| Core capital (leverage) ratio | 9.6009% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9796% | 962 |
| Memoranda: | ||
| Average total assets | $472,549,250 | 1,786 |
| Average earning assets | $441,243,000 | 1,786 |
| Average equity | $46,270,500 | 1,902 |
| Average total loans | $301,566,750 | 1,731 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0515% | 1,448 |
| Cost of funding earning assets | 0.5799% | 821 |
| Net interest margin | 3.4716% | 1,942 |
| Noninterest income to average assets | 0.3401% | 3,405 |
| Noninterest expense to average assets | 2.6287% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7065% | 3,749 |
| Return on assets (ROA) | 0.7099% | 3,806 |
| Pretax return on assets | 0.9577% | 3,532 |
| Return on Equity (ROE) | 7.1738% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.1738% | 2,365 |
| Net charge-offs to loans | 0.1098% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 13.2934% | 1,699 |
| Efficiency ratio | 73.3845% | 1,297 |
| Assets per employee ($millions) | 5.8242% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,800 |
| Loan loss allowance to noncurrent loans | 513.4812% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 1,108 |
| Noncurrent loans to loans | 0.1960% | 3,247 |
| Net loans and leases to total assets | 60.4843% | 2,364 |
| Net loans and leases to deposits | 71.8448% | 2,222 |
| Net loans and leases to core deposits | 75.6207% | 2,273 |
| Total domestic deposits to total assets | 84.1875% | 3,369 |
| Equity capital to assets | 9.5443% | 3,296 |
| Core capital (leverage) ratio | 9.8346% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9722% | 968 |
| Memoranda: | ||
| Average total assets | $465,701,000 | 1,798 |
| Average earning assets | $434,901,000 | 1,797 |
| Average equity | $46,084,333 | 1,897 |
| Average total loans | $304,249,000 | 1,721 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 1,196 |
| Cost of funding earning assets | 0.6111% | 839 |
| Net interest margin | 3.5928% | 1,608 |
| Noninterest income to average assets | 0.2749% | 3,749 |
| Noninterest expense to average assets | 2.5969% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7685% | 3,522 |
| Return on assets (ROA) | 0.7754% | 3,568 |
| Pretax return on assets | 1.0442% | 3,246 |
| Return on Equity (ROE) | 7.6890% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.6890% | 2,351 |
| Net charge-offs to loans | -0.0678% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4944% | 1,545 |
| Assets per employee ($millions) | 5.6380% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,559 |
| Loan loss allowance to noncurrent loans | 714.1593% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 1,200 |
| Noncurrent loans to loans | 0.1501% | 3,576 |
| Net loans and leases to total assets | 64.4318% | 1,989 |
| Net loans and leases to deposits | 77.2971% | 1,774 |
| Net loans and leases to core deposits | 81.6262% | 1,869 |
| Total domestic deposits to total assets | 83.3560% | 3,599 |
| Equity capital to assets | 9.9410% | 2,758 |
| Core capital (leverage) ratio | 10.3175% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7738% | 958 |
| Memoranda: | ||
| Average total assets | $453,934,500 | 1,832 |
| Average earning assets | $424,185,500 | 1,826 |
| Average equity | $45,779,500 | 1,892 |
| Average total loans | $306,914,000 | 1,709 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 697 |
| Cost of funding earning assets | 0.7897% | 1,253 |
| Net interest margin | 4.0385% | 898 |
| Noninterest income to average assets | 0.3469% | 3,388 |
| Noninterest expense to average assets | 2.6423% | 2,412 |
| Loan and lease loss provision to assets | 0.2068% | 1,907 |
| Net operating income to assets | 0.9134% | 2,636 |
| Return on assets (ROA) | 0.9160% | 2,758 |
| Pretax return on assets | 1.2331% | 2,212 |
| Return on Equity (ROE) | 8.6640% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.2887% | 2,144 |
| Net charge-offs to loans | 0.2838% | 603 |
| Credit loss provision to net charge-offs | 95.0054% | 2,888 |
| Earnings coverage of net charge-offs (x) | 6.6004% | 2,765 |
| Efficiency ratio | 64.7798% | 2,708 |
| Assets per employee ($millions) | 5.5006% | 2,844 |
| Cash dividends to net income (ytd only)* | 38.9577% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,808 |
| Loan loss allowance to noncurrent loans | 530.2170% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8751% | 1,142 |
| Noncurrent loans to loans | 0.1915% | 3,525 |
| Net loans and leases to total assets | 69.4744% | 1,621 |
| Net loans and leases to deposits | 84.1751% | 1,440 |
| Net loans and leases to core deposits | 89.3745% | 1,576 |
| Total domestic deposits to total assets | 82.5356% | 3,528 |
| Equity capital to assets | 10.2345% | 2,893 |
| Core capital (leverage) ratio | 10.1487% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9721% | 1,062 |
| Memoranda: | ||
| Average total assets | $423,158,200 | 1,790 |
| Average earning assets | $391,033,800 | 1,794 |
| Average equity | $44,736,600 | 1,857 |
| Average total loans | $324,530,400 | 1,591 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 743 |
| Cost of funding earning assets | 0.8237% | 1,387 |
| Net interest margin | 4.0663% | 956 |
| Noninterest income to average assets | 0.3509% | 3,356 |
| Noninterest expense to average assets | 2.7167% | 2,211 |
| Loan and lease loss provision to assets | 0.2795% | 1,437 |
| Net operating income to assets | 0.8228% | 3,005 |
| Return on assets (ROA) | 0.8264% | 3,120 |
| Pretax return on assets | 1.1093% | 2,709 |
| Return on Equity (ROE) | 7.7505% | 2,899 |
| Retained earnings to average equity (ytd only) | 7.7505% | 1,392 |
| Net charge-offs to loans | 0.3811% | 412 |
| Credit loss provision to net charge-offs | 93.4829% | 2,678 |
| Earnings coverage of net charge-offs (x) | 4.6314% | 2,801 |
| Efficiency ratio | 66.2462% | 2,440 |
| Assets per employee ($millions) | 5.4749% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,694 |
| Loan loss allowance to noncurrent loans | 372.0000% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 955 |
| Noncurrent loans to loans | 0.2696% | 3,329 |
| Net loans and leases to total assets | 70.3847% | 1,891 |
| Net loans and leases to deposits | 85.0562% | 1,804 |
| Net loans and leases to core deposits | 91.0835% | 1,879 |
| Total domestic deposits to total assets | 82.7508% | 3,204 |
| Equity capital to assets | 10.3518% | 2,920 |
| Core capital (leverage) ratio | 10.6043% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3224% | 1,001 |
| Memoranda: | ||
| Average total assets | $417,560,000 | 1,783 |
| Average earning assets | $385,074,000 | 1,796 |
| Average equity | $44,520,750 | 1,854 |
| Average total loans | $327,483,000 | 1,583 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0620% | 739 |
| Cost of funding earning assets | 0.8635% | 1,526 |
| Net interest margin | 4.1985% | 925 |
| Noninterest income to average assets | 0.3551% | 3,348 |
| Noninterest expense to average assets | 2.8294% | 2,024 |
| Loan and lease loss provision to assets | 0.3546% | 1,188 |
| Net operating income to assets | 0.7786% | 3,118 |
| Return on assets (ROA) | 0.7801% | 3,226 |
| Pretax return on assets | 1.0422% | 2,896 |
| Return on Equity (ROE) | 7.2403% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.2403% | 1,557 |
| Net charge-offs to loans | 0.2099% | 742 |
| Credit loss provision to net charge-offs | 208.3333% | 1,881 |
| Earnings coverage of net charge-offs (x) | 8.1954% | 2,310 |
| Efficiency ratio | 66.9793% | 2,379 |
| Assets per employee ($millions) | 5.2420% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,128 |
| Loan loss allowance to noncurrent loans | 102.3024% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 979 |
| Noncurrent loans to loans | 1.0643% | 1,460 |
| Net loans and leases to total assets | 74.2483% | 1,381 |
| Net loans and leases to deposits | 92.2315% | 1,134 |
| Net loans and leases to core deposits | 99.5015% | 1,293 |
| Total domestic deposits to total assets | 80.5021% | 3,727 |
| Equity capital to assets | 10.2138% | 3,001 |
| Core capital (leverage) ratio | 10.5652% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5111% | 1,364 |
| Memoranda: | ||
| Average total assets | $408,923,333 | 1,785 |
| Average earning assets | $376,849,667 | 1,801 |
| Average equity | $44,058,667 | 1,856 |
| Average total loans | $331,545,000 | 1,546 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3190% | 532 |
| Cost of funding earning assets | 0.9203% | 1,767 |
| Net interest margin | 4.3987% | 628 |
| Noninterest income to average assets | 0.3876% | 3,186 |
| Noninterest expense to average assets | 2.9602% | 1,982 |
| Loan and lease loss provision to assets | 0.4069% | 749 |
| Net operating income to assets | 0.8148% | 2,857 |
| Return on assets (ROA) | 0.8148% | 2,947 |
| Pretax return on assets | 1.0996% | 2,523 |
| Return on Equity (ROE) | 7.3485% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.3485% | 1,426 |
| Net charge-offs to loans | 0.2168% | 647 |
| Credit loss provision to net charge-offs | 222.2222% | 1,358 |
| Earnings coverage of net charge-offs (x) | 8.2278% | 1,876 |
| Efficiency ratio | 66.2719% | 2,917 |
| Assets per employee ($millions) | 4.6701% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,471 |
| Loan loss allowance to noncurrent loans | 73.8310% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.5588% | 675 |
| Noncurrent loans to loans | 1.4152% | 1,124 |
| Net loans and leases to total assets | 82.1199% | 427 |
| Net loans and leases to deposits | 104.6612% | 342 |
| Net loans and leases to core deposits | 112.9763% | 712 |
| Total domestic deposits to total assets | 78.4626% | 4,142 |
| Equity capital to assets | 11.1049% | 2,770 |
| Core capital (leverage) ratio | 11.2175% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5507% | 1,458 |
| Memoranda: | ||
| Average total assets | $393,223,000 | 1,793 |
| Average earning assets | $364,655,000 | 1,795 |
| Average equity | $43,601,000 | 1,861 |
| Average total loans | $332,051,500 | 1,517 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4900% | 570 |
| Cost of funding earning assets | 0.9557% | 1,927 |
| Net interest margin | 4.5342% | 674 |
| Noninterest income to average assets | 0.3355% | 3,701 |
| Noninterest expense to average assets | 2.8206% | 2,538 |
| Loan and lease loss provision to assets | 0.2753% | 644 |
| Net operating income to assets | 1.0745% | 2,553 |
| Return on assets (ROA) | 1.0739% | 2,650 |
| Pretax return on assets | 1.4484% | 1,981 |
| Return on Equity (ROE) | 9.8632% | 2,355 |
| Retained earnings to average equity (ytd only) | 6.2740% | 1,731 |
| Net charge-offs to loans | 0.3433% | 593 |
| Credit loss provision to net charge-offs | 93.3392% | 2,612 |
| Earnings coverage of net charge-offs (x) | 5.8475% | 3,038 |
| Efficiency ratio | 62.0586% | 3,372 |
| Assets per employee ($millions) | 4.6367% | 3,035 |
| Cash dividends to net income (ytd only)* | 36.3899% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,685 |
| Loan loss allowance to noncurrent loans | 55.3703% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.8997% | 434 |
| Noncurrent loans to loans | 1.7387% | 785 |
| Net loans and leases to total assets | 85.1008% | 232 |
| Net loans and leases to deposits | 111.1825% | 168 |
| Net loans and leases to core deposits | 119.2778% | 496 |
| Total domestic deposits to total assets | 76.5416% | 4,539 |
| Equity capital to assets | 11.0710% | 2,929 |
| Core capital (leverage) ratio | 11.0317% | 2,477 |
| Tier 1 risk-based capital ratio | 14.7131% | 2,901 |
| Total risk-based capital ratio | 15.8221% | 2,885 |
| Memoranda: | ||
| Average total assets | $386,902,200 | 1,778 |
| Average earning assets | $359,201,600 | 1,780 |
| Average equity | $42,126,400 | 1,849 |
| Average total loans | $332,323,600 | 1,494 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 601 |
| Cost of funding earning assets | 0.9550% | 1,971 |
| Net interest margin | 4.5282% | 719 |
| Noninterest income to average assets | 0.3103% | 3,888 |
| Noninterest expense to average assets | 2.8284% | 2,478 |
| Loan and lease loss provision to assets | 0.2761% | 558 |
| Net operating income to assets | 1.0464% | 2,796 |
| Return on assets (ROA) | 1.0456% | 2,888 |
| Pretax return on assets | 1.4111% | 2,265 |
| Return on Equity (ROE) | 9.6437% | 2,604 |
| Retained earnings to average equity (ytd only) | 9.6437% | 850 |
| Net charge-offs to loans | 0.3292% | 525 |
| Credit loss provision to net charge-offs | 97.6801% | 2,310 |
| Earnings coverage of net charge-offs (x) | 5.9719% | 2,871 |
| Efficiency ratio | 62.6213% | 3,228 |
| Assets per employee ($millions) | 4.6577% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,644 |
| Loan loss allowance to noncurrent loans | 80.1516% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.5959% | 658 |
| Noncurrent loans to loans | 1.2319% | 1,263 |
| Net loans and leases to total assets | 84.0411% | 350 |
| Net loans and leases to deposits | 108.0844% | 266 |
| Net loans and leases to core deposits | 118.3822% | 580 |
| Total domestic deposits to total assets | 77.7550% | 4,398 |
| Equity capital to assets | 11.1282% | 2,987 |
| Core capital (leverage) ratio | 10.9370% | 2,705 |
| Tier 1 risk-based capital ratio | 15.0079% | 2,840 |
| Total risk-based capital ratio | 16.1485% | 2,830 |
| Memoranda: | ||
| Average total assets | $386,256,500 | 1,791 |
| Average earning assets | $358,807,750 | 1,797 |
| Average equity | $41,878,000 | 1,861 |
| Average total loans | $331,735,250 | 1,497 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 626 |
| Cost of funding earning assets | 0.9308% | 2,009 |
| Net interest margin | 4.5109% | 753 |
| Noninterest income to average assets | 0.2585% | 4,205 |
| Noninterest expense to average assets | 2.8435% | 2,434 |
| Loan and lease loss provision to assets | 0.2600% | 583 |
| Net operating income to assets | 0.9970% | 2,933 |
| Return on assets (ROA) | 0.9953% | 3,003 |
| Pretax return on assets | 1.3464% | 2,394 |
| Return on Equity (ROE) | 9.2633% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.2633% | 966 |
| Net charge-offs to loans | 0.4553% | 356 |
| Credit loss provision to net charge-offs | 66.2252% | 2,353 |
| Earnings coverage of net charge-offs (x) | 4.0967% | 2,769 |
| Efficiency ratio | 63.8710% | 3,154 |
| Assets per employee ($millions) | 4.7032% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,038 |
| Loan loss allowance to noncurrent loans | 83.6679% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 761 |
| Noncurrent loans to loans | 1.0916% | 1,500 |
| Net loans and leases to total assets | 83.5634% | 408 |
| Net loans and leases to deposits | 107.2783% | 296 |
| Net loans and leases to core deposits | 117.8891% | 608 |
| Total domestic deposits to total assets | 77.8940% | 4,416 |
| Equity capital to assets | 10.7407% | 3,315 |
| Core capital (leverage) ratio | 11.0871% | 2,516 |
| Tier 1 risk-based capital ratio | 14.5510% | 3,041 |
| Total risk-based capital ratio | 15.6048% | 3,057 |
| Memoranda: | ||
| Average total assets | $384,592,670 | 1,806 |
| Average earning assets | $357,537,330 | 1,812 |
| Average equity | $41,324,330 | 1,880 |
| Average total loans | $331,617,670 | 1,506 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 636 |
| Cost of funding earning assets | 0.9216% | 1,912 |
| Net interest margin | 4.4755% | 773 |
| Noninterest income to average assets | 0.2805% | 4,008 |
| Noninterest expense to average assets | 2.9250% | 2,202 |
| Loan and lease loss provision to assets | 0.3163% | 396 |
| Net operating income to assets | 0.8929% | 3,255 |
| Return on assets (ROA) | 0.8920% | 3,317 |
| Pretax return on assets | 1.2010% | 2,798 |
| Return on Equity (ROE) | 8.3002% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.3002% | 1,549 |
| Net charge-offs to loans | 0.1294% | 966 |
| Credit loss provision to net charge-offs | 280.3738% | 866 |
| Earnings coverage of net charge-offs (x) | 13.4579% | 1,838 |
| Efficiency ratio | 65.8282% | 2,966 |
| Assets per employee ($millions) | 4.6145% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,396 |
| Loan loss allowance to noncurrent loans | 95.5130% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5914% | 725 |
| Noncurrent loans to loans | 1.1013% | 1,513 |
| Net loans and leases to total assets | 85.7426% | 208 |
| Net loans and leases to deposits | 107.2737% | 285 |
| Net loans and leases to core deposits | 117.4403% | 598 |
| Total domestic deposits to total assets | 79.9288% | 4,187 |
| Equity capital to assets | 10.7605% | 3,087 |
| Core capital (leverage) ratio | 10.9457% | 2,616 |
| Tier 1 risk-based capital ratio | 14.1298% | 3,284 |
| Total risk-based capital ratio | 15.3332% | 3,223 |
| Memoranda: | ||
| Average total assets | $379,354,500 | 1,842 |
| Average earning assets | $352,850,500 | 1,833 |
| Average equity | $40,770,000 | 1,898 |
| Average total loans | $330,838,500 | 1,519 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 540 |
| Cost of funding earning assets | 0.8428% | 1,338 |
| Net interest margin | 4.4998% | 762 |
| Noninterest income to average assets | 0.2965% | 4,127 |
| Noninterest expense to average assets | 2.8943% | 2,372 |
| Loan and lease loss provision to assets | 0.3447% | 449 |
| Net operating income to assets | 0.9172% | 3,375 |
| Return on assets (ROA) | 0.9170% | 3,366 |
| Pretax return on assets | 1.2312% | 2,772 |
| Return on Equity (ROE) | 8.4968% | 3,220 |
| Retained earnings to average equity (ytd only) | 5.1764% | 2,676 |
| Net charge-offs to loans | 0.6540% | 256 |
| Credit loss provision to net charge-offs | 60.5843% | 3,097 |
| Earnings coverage of net charge-offs (x) | 2.7701% | 3,489 |
| Efficiency ratio | 64.7425% | 3,076 |
| Assets per employee ($millions) | 4.5266% | 3,125 |
| Cash dividends to net income (ytd only)* | 39.0788% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,692 |
| Loan loss allowance to noncurrent loans | 66.3849% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.0463% | 461 |
| Noncurrent loans to loans | 1.5064% | 1,009 |
| Net loans and leases to total assets | 86.9007% | 177 |
| Net loans and leases to deposits | 108.7708% | 283 |
| Net loans and leases to core deposits | 118.8436% | 586 |
| Total domestic deposits to total assets | 79.8934% | 4,128 |
| Equity capital to assets | 10.7336% | 2,943 |
| Core capital (leverage) ratio | 10.7944% | 2,740 |
| Tier 1 risk-based capital ratio | 13.8027% | 3,383 |
| Total risk-based capital ratio | 14.9369% | 3,367 |
| Memoranda: | ||
| Average total assets | $366,957,000 | 1,844 |
| Average earning assets | $340,393,800 | 1,847 |
| Average equity | $39,603,000 | 1,882 |
| Average total loans | $319,252,400 | 1,515 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2903% | 535 |
| Cost of funding earning assets | 0.8231% | 1,223 |
| Net interest margin | 4.4672% | 795 |
| Noninterest income to average assets | 0.2804% | 4,273 |
| Noninterest expense to average assets | 2.9128% | 2,268 |
| Loan and lease loss provision to assets | 0.3341% | 418 |
| Net operating income to assets | 0.8786% | 3,630 |
| Return on assets (ROA) | 0.8783% | 3,636 |
| Pretax return on assets | 1.1751% | 3,095 |
| Return on Equity (ROE) | 8.1272% | 3,497 |
| Retained earnings to average equity (ytd only) | 8.1272% | 1,592 |
| Net charge-offs to loans | 0.7976% | 176 |
| Credit loss provision to net charge-offs | 48.2577% | 2,847 |
| Earnings coverage of net charge-offs (x) | 2.1806% | 3,272 |
| Efficiency ratio | 65.8649% | 2,894 |
| Assets per employee ($millions) | 4.6264% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,907 |
| Loan loss allowance to noncurrent loans | 53.7566% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.2719% | 423 |
| Noncurrent loans to loans | 1.8183% | 845 |
| Net loans and leases to total assets | 83.8777% | 468 |
| Net loans and leases to deposits | 103.2533% | 586 |
| Net loans and leases to core deposits | 115.7606% | 730 |
| Total domestic deposits to total assets | 81.2348% | 3,806 |
| Equity capital to assets | 10.6973% | 2,931 |
| Core capital (leverage) ratio | 10.8467% | 2,736 |
| Tier 1 risk-based capital ratio | 14.2778% | 3,225 |
| Total risk-based capital ratio | 15.3859% | 3,217 |
| Memoranda: | ||
| Average total assets | $364,769,500 | 1,862 |
| Average earning assets | $338,222,750 | 1,868 |
| Average equity | $39,422,000 | 1,885 |
| Average total loans | $316,618,000 | 1,533 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 465 |
| Cost of funding earning assets | 0.7975% | 1,139 |
| Net interest margin | 4.5076% | 688 |
| Noninterest income to average assets | 0.2756% | 4,347 |
| Noninterest expense to average assets | 2.9458% | 2,208 |
| Loan and lease loss provision to assets | 0.2617% | 585 |
| Net operating income to assets | 0.9251% | 3,342 |
| Return on assets (ROA) | 0.9247% | 3,346 |
| Pretax return on assets | 1.2420% | 2,757 |
| Return on Equity (ROE) | 8.5256% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.5256% | 1,397 |
| Net charge-offs to loans | 0.7047% | 206 |
| Credit loss provision to net charge-offs | 42.4324% | 2,544 |
| Earnings coverage of net charge-offs (x) | 2.4387% | 2,971 |
| Efficiency ratio | 66.1963% | 2,939 |
| Assets per employee ($millions) | 4.5144% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,277 |
| Loan loss allowance to noncurrent loans | 138.7804% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 984 |
| Noncurrent loans to loans | 0.7910% | 2,149 |
| Net loans and leases to total assets | 83.7209% | 488 |
| Net loans and leases to deposits | 102.9764% | 595 |
| Net loans and leases to core deposits | 110.6928% | 956 |
| Total domestic deposits to total assets | 81.3011% | 3,916 |
| Equity capital to assets | 10.6425% | 2,978 |
| Core capital (leverage) ratio | 11.0546% | 2,476 |
| Tier 1 risk-based capital ratio | 14.2327% | 3,244 |
| Total risk-based capital ratio | 15.4791% | 3,167 |
| Memoranda: | ||
| Average total assets | $359,903,330 | 1,884 |
| Average earning assets | $333,307,330 | 1,895 |
| Average equity | $39,035,330 | 1,902 |
| Average total loans | $315,042,000 | 1,539 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3317% | 386 |
| Cost of funding earning assets | 0.7862% | 1,011 |
| Net interest margin | 4.5455% | 559 |
| Noninterest income to average assets | 0.2678% | 4,381 |
| Noninterest expense to average assets | 3.0910% | 1,852 |
| Loan and lease loss provision to assets | 0.2213% | 710 |
| Net operating income to assets | 0.8613% | 3,452 |
| Return on assets (ROA) | 0.8613% | 3,466 |
| Pretax return on assets | 1.1540% | 2,959 |
| Return on Equity (ROE) | 7.8623% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.8623% | 1,894 |
| Net charge-offs to loans | 1.3415% | 107 |
| Credit loss provision to net charge-offs | 18.5185% | 2,131 |
| Earnings coverage of net charge-offs (x) | 1.1510% | 2,588 |
| Efficiency ratio | 69.2073% | 2,631 |
| Assets per employee ($millions) | 4.3980% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,749 |
| Loan loss allowance to noncurrent loans | 84.1847% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.7705% | 692 |
| Noncurrent loans to loans | 1.2315% | 1,476 |
| Net loans and leases to total assets | 87.4331% | 166 |
| Net loans and leases to deposits | 108.9655% | 288 |
| Net loans and leases to core deposits | 114.5175% | 779 |
| Total domestic deposits to total assets | 80.2392% | 4,380 |
| Equity capital to assets | 10.9408% | 2,642 |
| Core capital (leverage) ratio | 11.0778% | 2,351 |
| Tier 1 risk-based capital ratio | 13.7632% | 3,514 |
| Total risk-based capital ratio | 14.9192% | 3,467 |
| Memoranda: | ||
| Average total assets | $352,507,500 | 1,939 |
| Average earning assets | $325,597,500 | 1,941 |
| Average equity | $38,614,500 | 1,933 |
| Average total loans | $313,973,000 | 1,544 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 308 |
| Cost of funding earning assets | 0.8074% | 591 |
| Net interest margin | 4.5979% | 504 |
| Noninterest income to average assets | 0.4490% | 3,314 |
| Noninterest expense to average assets | 2.7953% | 2,791 |
| Loan and lease loss provision to assets | 0.3199% | 530 |
| Net operating income to assets | 0.9144% | 2,635 |
| Return on assets (ROA) | 0.8986% | 2,752 |
| Pretax return on assets | 1.5563% | 1,429 |
| Return on Equity (ROE) | 8.2289% | 2,685 |
| Retained earnings to average equity (ytd only) | 5.2707% | 1,955 |
| Net charge-offs to loans | 0.5680% | 407 |
| Credit loss provision to net charge-offs | 63.5841% | 3,179 |
| Earnings coverage of net charge-offs (x) | 3.7783% | 3,558 |
| Efficiency ratio | 59.5250% | 4,332 |
| Assets per employee ($millions) | 4.2534% | 3,574 |
| Cash dividends to net income (ytd only)* | 35.9486% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,141 |
| Loan loss allowance to noncurrent loans | 127.0737% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7888% | 697 |
| Noncurrent loans to loans | 1.0354% | 1,718 |
| Net loans and leases to total assets | 88.6217% | 112 |
| Net loans and leases to deposits | 109.8696% | 272 |
| Net loans and leases to core deposits | 115.2626% | 747 |
| Total domestic deposits to total assets | 80.6608% | 4,205 |
| Equity capital to assets | 10.9680% | 2,656 |
| Core capital (leverage) ratio | 10.8290% | 2,498 |
| Tier 1 risk-based capital ratio | 13.5579% | 3,596 |
| Total risk-based capital ratio | 14.8106% | 3,504 |
| Memoranda: | ||
| Average total assets | $346,078,800 | 1,937 |
| Average earning assets | $319,668,800 | 1,938 |
| Average equity | $37,793,600 | 1,941 |
| Average total loans | $306,518,400 | 1,542 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 317 |
| Cost of funding earning assets | 0.8033% | 570 |
| Net interest margin | 4.5499% | 537 |
| Noninterest income to average assets | 0.3343% | 4,141 |
| Noninterest expense to average assets | 2.7750% | 2,813 |
| Loan and lease loss provision to assets | 0.3459% | 433 |
| Net operating income to assets | 0.8961% | 3,048 |
| Return on assets (ROA) | 0.8751% | 3,194 |
| Pretax return on assets | 1.3850% | 2,158 |
| Return on Equity (ROE) | 8.0221% | 3,118 |
| Retained earnings to average equity (ytd only) | 8.0221% | 1,215 |
| Net charge-offs to loans | 0.5218% | 391 |
| Credit loss provision to net charge-offs | 75.1048% | 2,643 |
| Earnings coverage of net charge-offs (x) | 3.8298% | 3,294 |
| Efficiency ratio | 61.1414% | 4,023 |
| Assets per employee ($millions) | 4.4687% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,735 |
| Loan loss allowance to noncurrent loans | 137.2537% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.7460% | 812 |
| Noncurrent loans to loans | 1.0495% | 1,844 |
| Net loans and leases to total assets | 86.4009% | 234 |
| Net loans and leases to deposits | 108.3394% | 329 |
| Net loans and leases to core deposits | 114.4918% | 812 |
| Total domestic deposits to total assets | 79.7502% | 4,377 |
| Equity capital to assets | 10.9226% | 2,940 |
| Core capital (leverage) ratio | 10.9488% | 2,505 |
| Tier 1 risk-based capital ratio | 13.7700% | 3,539 |
| Total risk-based capital ratio | 15.0242% | 3,472 |
| Memoranda: | ||
| Average total assets | $345,403,750 | 1,947 |
| Average earning assets | $319,177,000 | 1,953 |
| Average equity | $37,678,500 | 1,956 |
| Average total loans | $304,844,250 | 1,560 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 331 |
| Cost of funding earning assets | 0.7816% | 574 |
| Net interest margin | 4.5197% | 545 |
| Noninterest income to average assets | 0.2823% | 4,536 |
| Noninterest expense to average assets | 2.7918% | 2,795 |
| Loan and lease loss provision to assets | 0.4007% | 329 |
| Net operating income to assets | 0.8050% | 3,375 |
| Return on assets (ROA) | 0.8050% | 3,433 |
| Pretax return on assets | 1.2693% | 2,497 |
| Return on Equity (ROE) | 7.3827% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.3827% | 1,408 |
| Net charge-offs to loans | 0.2750% | 734 |
| Credit loss provision to net charge-offs | 164.7482% | 1,435 |
| Earnings coverage of net charge-offs (x) | 6.8657% | 2,662 |
| Efficiency ratio | 62.5703% | 3,894 |
| Assets per employee ($millions) | 4.5733% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 1,200 |
| Loan loss allowance to noncurrent loans | 128.6482% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.9375% | 672 |
| Noncurrent loans to loans | 1.2649% | 1,526 |
| Net loans and leases to total assets | 86.2637% | 255 |
| Net loans and leases to deposits | 107.8808% | 322 |
| Net loans and leases to core deposits | 113.6687% | 812 |
| Total domestic deposits to total assets | 79.9621% | 4,424 |
| Equity capital to assets | 10.7041% | 3,128 |
| Core capital (leverage) ratio | 10.9722% | 2,441 |
| Tier 1 risk-based capital ratio | 13.3369% | 3,785 |
| Total risk-based capital ratio | 14.5934% | 3,700 |
| Memoranda: | ||
| Average total assets | $342,861,670 | 1,965 |
| Average earning assets | $317,055,000 | 1,971 |
| Average equity | $37,384,670 | 1,966 |
| Average total loans | $303,299,330 | 1,563 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 330 |
| Cost of funding earning assets | 0.7650% | 600 |
| Net interest margin | 4.5145% | 511 |
| Noninterest income to average assets | 0.2129% | 4,994 |
| Noninterest expense to average assets | 2.8171% | 2,730 |
| Loan and lease loss provision to assets | 0.0733% | 2,335 |
| Net operating income to assets | 0.9390% | 2,562 |
| Return on assets (ROA) | 0.9390% | 2,624 |
| Pretax return on assets | 1.4961% | 1,542 |
| Return on Equity (ROE) | 8.5308% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.5308% | 1,265 |
| Net charge-offs to loans | 0.1770% | 943 |
| Credit loss provision to net charge-offs | 46.6165% | 2,017 |
| Earnings coverage of net charge-offs (x) | 9.9774% | 1,964 |
| Efficiency ratio | 64.2222% | 3,798 |
| Assets per employee ($millions) | 4.4794% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 1,525 |
| Loan loss allowance to noncurrent loans | 108.4510% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.1378% | 594 |
| Noncurrent loans to loans | 1.4251% | 1,420 |
| Net loans and leases to total assets | 87.6439% | 128 |
| Net loans and leases to deposits | 108.6918% | 244 |
| Net loans and leases to core deposits | 114.8140% | 640 |
| Total domestic deposits to total assets | 80.6352% | 4,495 |
| Equity capital to assets | 11.0540% | 2,580 |
| Core capital (leverage) ratio | 11.2192% | 2,170 |
| Tier 1 risk-based capital ratio | 13.6133% | 3,710 |
| Total risk-based capital ratio | 14.8689% | 3,615 |
| Memoranda: | ||
| Average total assets | $338,219,000 | 2,002 |
| Average earning assets | $312,683,500 | 2,009 |
| Average equity | $37,230,000 | 1,978 |
| Average total loans | $300,549,000 | 1,580 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3418% | 330 |
| Cost of funding earning assets | 0.7922% | 523 |
| Net interest margin | 4.5496% | 555 |
| Noninterest income to average assets | 0.1381% | 5,499 |
| Noninterest expense to average assets | 2.7794% | 3,095 |
| Loan and lease loss provision to assets | 0.2078% | 1,091 |
| Net operating income to assets | 0.8416% | 3,101 |
| Return on assets (ROA) | 0.8416% | 3,215 |
| Pretax return on assets | 1.3311% | 2,175 |
| Return on Equity (ROE) | 7.5005% | 3,217 |
| Retained earnings to average equity (ytd only) | 2.9205% | 3,826 |
| Net charge-offs to loans | 0.3128% | 876 |
| Credit loss provision to net charge-offs | 75.9865% | 3,041 |
| Earnings coverage of net charge-offs (x) | 5.6280% | 3,310 |
| Efficiency ratio | 64.3632% | 3,872 |
| Assets per employee ($millions) | 4.4800% | 3,144 |
| Cash dividends to net income (ytd only)* | 61.0623% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,387 |
| Loan loss allowance to noncurrent loans | 100.4648% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 2.4199% | 506 |
| Noncurrent loans to loans | 1.5880% | 1,241 |
| Net loans and leases to total assets | 87.2875% | 163 |
| Net loans and leases to deposits | 109.9055% | 230 |
| Net loans and leases to core deposits | 115.2786% | 646 |
| Total domestic deposits to total assets | 79.4205% | 4,693 |
| Equity capital to assets | 10.9607% | 2,657 |
| Core capital (leverage) ratio | 11.1723% | 2,191 |
| Tier 1 risk-based capital ratio | 13.5953% | 3,709 |
| Total risk-based capital ratio | 14.8515% | 3,610 |
| Memoranda: | ||
| Average total assets | $324,388,600 | 2,035 |
| Average earning assets | $298,046,600 | 2,057 |
| Average equity | $36,397,400 | 2,006 |
| Average total loans | $283,554,600 | 1,603 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 334 |
| Cost of funding earning assets | 0.7999% | 506 |
| Net interest margin | 4.5521% | 555 |
| Noninterest income to average assets | 0.0751% | 5,774 |
| Noninterest expense to average assets | 2.8073% | 2,980 |
| Loan and lease loss provision to assets | 0.0888% | 2,456 |
| Net operating income to assets | 0.8560% | 3,120 |
| Return on assets (ROA) | 0.8560% | 3,245 |
| Pretax return on assets | 1.3566% | 2,207 |
| Return on Equity (ROE) | 7.5832% | 3,248 |
| Retained earnings to average equity (ytd only) | 5.1143% | 2,748 |
| Net charge-offs to loans | 0.3129% | 738 |
| Credit loss provision to net charge-offs | 32.5723% | 3,208 |
| Earnings coverage of net charge-offs (x) | 5.3044% | 3,150 |
| Efficiency ratio | 66.0133% | 3,593 |
| Assets per employee ($millions) | 4.4400% | 3,177 |
| Cash dividends to net income (ytd only)* | 32.5582% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,458 |
| Loan loss allowance to noncurrent loans | 92.7254% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 3.0731% | 365 |
| Noncurrent loans to loans | 1.7283% | 1,207 |
| Net loans and leases to total assets | 84.5617% | 363 |
| Net loans and leases to deposits | 105.4106% | 395 |
| Net loans and leases to core deposits | 110.2065% | 897 |
| Total domestic deposits to total assets | 80.2212% | 4,465 |
| Equity capital to assets | 11.3255% | 2,678 |
| Core capital (leverage) ratio | 11.3498% | 2,156 |
| Tier 1 risk-based capital ratio | 14.2860% | 3,407 |
| Total risk-based capital ratio | 15.5421% | 3,334 |
| Memoranda: | ||
| Average total assets | $321,485,750 | 2,055 |
| Average earning assets | $295,033,750 | 2,079 |
| Average equity | $36,289,750 | 2,020 |
| Average total loans | $279,933,000 | 1,614 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3406% | 332 |
| Cost of funding earning assets | 0.8006% | 493 |
| Net interest margin | 4.5400% | 567 |
| Noninterest income to average assets | -0.0664% | 6,032 |
| Noninterest expense to average assets | 2.7512% | 3,190 |
| Loan and lease loss provision to assets | 0.1341% | 1,701 |
| Net operating income to assets | 0.7652% | 3,480 |
| Return on assets (ROA) | 0.7652% | 3,618 |
| Pretax return on assets | 1.2064% | 2,760 |
| Return on Equity (ROE) | 6.7866% | 3,651 |
| Retained earnings to average equity (ytd only) | 3.0515% | 3,972 |
| Net charge-offs to loans | 0.2415% | 977 |
| Credit loss provision to net charge-offs | 63.5015% | 2,537 |
| Earnings coverage of net charge-offs (x) | 6.3472% | 2,753 |
| Efficiency ratio | 67.2385% | 3,496 |
| Assets per employee ($millions) | 4.4024% | 3,213 |
| Cash dividends to net income (ytd only)* | 55.0369% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 1,282 |
| Loan loss allowance to noncurrent loans | 94.6474% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 3.0029% | 407 |
| Noncurrent loans to loans | 1.7908% | 1,159 |
| Net loans and leases to total assets | 86.2561% | 234 |
| Net loans and leases to deposits | 108.1466% | 300 |
| Net loans and leases to core deposits | 112.2332% | 803 |
| Total domestic deposits to total assets | 79.7585% | 4,608 |
| Equity capital to assets | 11.1738% | 2,872 |
| Core capital (leverage) ratio | 11.4162% | 2,052 |
| Tier 1 risk-based capital ratio | 13.8480% | 3,698 |
| Total risk-based capital ratio | 15.1053% | 3,607 |
| Memoranda: | ||
| Average total assets | $319,128,000 | 2,079 |
| Average earning assets | $292,290,330 | 2,101 |
| Average equity | $35,982,670 | 2,038 |
| Average total loans | $279,124,000 | 1,622 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3153% | 342 |
| Cost of funding earning assets | 0.8107% | 466 |
| Net interest margin | 4.5046% | 603 |
| Noninterest income to average assets | -0.0545% | 6,098 |
| Noninterest expense to average assets | 2.8372% | 2,929 |
| Loan and lease loss provision to assets | 0.0950% | 2,109 |
| Net operating income to assets | 0.7220% | 3,609 |
| Return on assets (ROA) | 0.7220% | 3,724 |
| Pretax return on assets | 1.1374% | 2,945 |
| Return on Equity (ROE) | 6.3735% | 3,791 |
| Retained earnings to average equity (ytd only) | -1.1517% | 5,297 |
| Net charge-offs to loans | 0.1189% | 1,402 |
| Credit loss provision to net charge-offs | 91.4634% | 1,754 |
| Earnings coverage of net charge-offs (x) | 11.8659% | 1,836 |
| Efficiency ratio | 69.7168% | 3,182 |
| Assets per employee ($millions) | 4.2775% | 3,442 |
| Cash dividends to net income (ytd only)* | 118.0702% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 1,173 |
| Loan loss allowance to noncurrent loans | 87.0656% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 3.3826% | 345 |
| Noncurrent loans to loans | 2.0562% | 1,030 |
| Net loans and leases to total assets | 85.9788% | 217 |
| Net loans and leases to deposits | 109.1122% | 245 |
| Net loans and leases to core deposits | 112.7881% | 720 |
| Total domestic deposits to total assets | 78.7985% | 5,012 |
| Equity capital to assets | 11.2860% | 2,644 |
| Core capital (leverage) ratio | 11.3798% | 2,069 |
| Tier 1 risk-based capital ratio | 14.2044% | 3,562 |
| Total risk-based capital ratio | 15.4631% | 3,491 |
| Memoranda: | ||
| Average total assets | $315,801,500 | 2,106 |
| Average earning assets | $289,125,500 | 2,131 |
| Average equity | $35,773,000 | 2,045 |
| Average total loans | $275,760,500 | 1,634 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4167% | 310 |
| Cost of funding earning assets | 0.8420% | 390 |
| Net interest margin | 4.5747% | 576 |
| Noninterest income to average assets | 0.0638% | 5,969 |
| Noninterest expense to average assets | 2.8080% | 3,192 |
| Loan and lease loss provision to assets | 0.3047% | 560 |
| Net operating income to assets | 0.7214% | 3,703 |
| Return on assets (ROA) | 0.7131% | 3,861 |
| Pretax return on assets | 1.1166% | 2,973 |
| Return on Equity (ROE) | 6.3453% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.3771% | 2,150 |
| Net charge-offs to loans | 0.6315% | 377 |
| Credit loss provision to net charge-offs | 55.1583% | 3,330 |
| Earnings coverage of net charge-offs (x) | 2.5961% | 3,869 |
| Efficiency ratio | 66.1908% | 3,876 |
| Assets per employee ($millions) | 4.1456% | 3,668 |
| Cash dividends to net income (ytd only)* | 15.2589% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 1,110 |
| Loan loss allowance to noncurrent loans | 69.2597% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 3.9277% | 268 |
| Noncurrent loans to loans | 2.6140% | 685 |
| Net loans and leases to total assets | 85.5178% | 269 |
| Net loans and leases to deposits | 109.7869% | 245 |
| Net loans and leases to core deposits | 113.5646% | 703 |
| Total domestic deposits to total assets | 77.8944% | 5,190 |
| Equity capital to assets | 11.3696% | 2,477 |
| Core capital (leverage) ratio | 11.3714% | 2,065 |
| Tier 1 risk-based capital ratio | 14.2872% | 3,557 |
| Total risk-based capital ratio | 15.5462% | 3,467 |
| Memoranda: | ||
| Average total assets | $308,795,000 | 2,099 |
| Average earning assets | $282,052,200 | 2,122 |
| Average equity | $34,702,600 | 2,054 |
| Average total loans | $270,154,000 | 1,617 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 299 |
| Cost of funding earning assets | 0.8407% | 399 |
| Net interest margin | 4.5965% | 549 |
| Noninterest income to average assets | -0.0135% | 6,209 |
| Noninterest expense to average assets | 2.8065% | 3,161 |
| Loan and lease loss provision to assets | 0.3550% | 376 |
| Net operating income to assets | 0.6590% | 4,084 |
| Return on assets (ROA) | 0.6479% | 4,255 |
| Pretax return on assets | 1.0099% | 3,576 |
| Return on Equity (ROE) | 5.7829% | 4,256 |
| Retained earnings to average equity (ytd only) | 4.4814% | 3,276 |
| Net charge-offs to loans | 0.3374% | 777 |
| Credit loss provision to net charge-offs | 120.1175% | 1,982 |
| Earnings coverage of net charge-offs (x) | 4.6769% | 3,316 |
| Efficiency ratio | 67.0017% | 3,715 |
| Assets per employee ($millions) | 4.1304% | 3,655 |
| Cash dividends to net income (ytd only)* | 22.5050% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1862% | 684 |
| Loan loss allowance to noncurrent loans | 72.4781% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 4.3289% | 263 |
| Noncurrent loans to loans | 3.0164% | 582 |
| Net loans and leases to total assets | 83.6645% | 407 |
| Net loans and leases to deposits | 107.3479% | 319 |
| Net loans and leases to core deposits | 111.0382% | 815 |
| Total domestic deposits to total assets | 77.9377% | 5,195 |
| Equity capital to assets | 11.1879% | 2,808 |
| Core capital (leverage) ratio | 11.2016% | 2,296 |
| Tier 1 risk-based capital ratio | 14.4560% | 3,603 |
| Total risk-based capital ratio | 15.7205% | 3,502 |
| Memoranda: | ||
| Average total assets | $307,226,500 | 2,122 |
| Average earning assets | $280,872,000 | 2,142 |
| Average equity | $34,422,750 | 2,082 |
| Average total loans | $269,090,500 | 1,629 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4575% | 283 |
| Cost of funding earning assets | 0.8399% | 403 |
| Net interest margin | 4.6176% | 519 |
| Noninterest income to average assets | 0.1187% | 5,950 |
| Noninterest expense to average assets | 2.8531% | 3,054 |
| Loan and lease loss provision to assets | 0.5364% | 178 |
| Net operating income to assets | 0.6076% | 4,309 |
| Return on assets (ROA) | 0.5908% | 4,481 |
| Pretax return on assets | 0.9174% | 3,891 |
| Return on Equity (ROE) | 5.2705% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.3050% | 3,942 |
| Net charge-offs to loans | 0.3082% | 860 |
| Credit loss provision to net charge-offs | 197.1084% | 1,253 |
| Earnings coverage of net charge-offs (x) | 5.4386% | 2,921 |
| Efficiency ratio | 65.8444% | 4,042 |
| Assets per employee ($millions) | 4.0970% | 3,688 |
| Cash dividends to net income (ytd only)* | 37.2919% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 675 |
| Loan loss allowance to noncurrent loans | 80.9499% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 4.4035% | 273 |
| Noncurrent loans to loans | 2.7883% | 752 |
| Net loans and leases to total assets | 86.4754% | 211 |
| Net loans and leases to deposits | 112.1277% | 224 |
| Net loans and leases to core deposits | 116.2833% | 585 |
| Total domestic deposits to total assets | 77.1223% | 5,440 |
| Equity capital to assets | 11.2371% | 2,635 |
| Core capital (leverage) ratio | 11.1787% | 2,264 |
| Tier 1 risk-based capital ratio | 14.0018% | 3,921 |
| Total risk-based capital ratio | 15.2685% | 3,850 |
| Memoranda: | ||
| Average total assets | $304,998,330 | 2,149 |
| Average earning assets | $278,368,000 | 2,175 |
| Average equity | $34,190,330 | 2,106 |
| Average total loans | $269,286,670 | 1,633 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 287 |
| Cost of funding earning assets | 0.8435% | 392 |
| Net interest margin | 4.5785% | 525 |
| Noninterest income to average assets | 0.2435% | 5,229 |
| Noninterest expense to average assets | 2.8039% | 3,240 |
| Loan and lease loss provision to assets | 0.7069% | 126 |
| Net operating income to assets | 0.5845% | 4,343 |
| Return on assets (ROA) | 0.5845% | 4,445 |
| Pretax return on assets | 0.9057% | 3,866 |
| Return on Equity (ROE) | 5.2203% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.2698% | 4,979 |
| Net charge-offs to loans | 0.3075% | 774 |
| Credit loss provision to net charge-offs | 260.6796% | 901 |
| Earnings coverage of net charge-offs (x) | 5.9466% | 2,341 |
| Efficiency ratio | 63.4873% | 4,557 |
| Assets per employee ($millions) | 3.9955% | 3,966 |
| Cash dividends to net income (ytd only)* | 75.6757% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2631% | 736 |
| Loan loss allowance to noncurrent loans | 67.8527% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 5.1917% | 232 |
| Noncurrent loans to loans | 3.3353% | 603 |
| Net loans and leases to total assets | 86.2459% | 175 |
| Net loans and leases to deposits | 109.7160% | 226 |
| Net loans and leases to core deposits | 113.8676% | 584 |
| Total domestic deposits to total assets | 78.6084% | 5,339 |
| Equity capital to assets | 11.2239% | 2,729 |
| Core capital (leverage) ratio | 10.9767% | 2,435 |
| Tier 1 risk-based capital ratio | 13.8242% | 4,133 |
| Total risk-based capital ratio | 15.0898% | 4,048 |
| Memoranda: | ||
| Average total assets | $303,859,000 | 2,177 |
| Average earning assets | $276,945,500 | 2,196 |
| Average equity | $34,021,000 | 2,125 |
| Average total loans | $268,002,500 | 1,639 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4382% | 353 |
| Cost of funding earning assets | 0.8318% | 560 |
| Net interest margin | 4.6064% | 615 |
| Noninterest income to average assets | 0.2257% | 5,507 |
| Noninterest expense to average assets | 2.7389% | 3,717 |
| Loan and lease loss provision to assets | 0.9518% | 123 |
| Net operating income to assets | 0.4749% | 4,904 |
| Return on assets (ROA) | 0.4749% | 5,000 |
| Pretax return on assets | 0.7232% | 4,539 |
| Return on Equity (ROE) | 4.3275% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.5127% | 3,718 |
| Net charge-offs to loans | 1.4593% | 170 |
| Credit loss provision to net charge-offs | 74.7428% | 2,972 |
| Earnings coverage of net charge-offs (x) | 1.3153% | 4,447 |
| Efficiency ratio | 62.0511% | 4,909 |
| Assets per employee ($millions) | 4.0542% | 3,822 |
| Cash dividends to net income (ytd only)* | 18.8276% | 3,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1388% | 902 |
| Loan loss allowance to noncurrent loans | 59.3233% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 5.5087% | 232 |
| Noncurrent loans to loans | 3.6053% | 558 |
| Net loans and leases to total assets | 86.2709% | 192 |
| Net loans and leases to deposits | 110.4060% | 225 |
| Net loans and leases to core deposits | 114.3841% | 584 |
| Total domestic deposits to total assets | 78.1397% | 5,413 |
| Equity capital to assets | 11.1688% | 2,730 |
| Core capital (leverage) ratio | 10.9183% | 2,481 |
| Tier 1 risk-based capital ratio | 13.7224% | 4,285 |
| Total risk-based capital ratio | 14.9865% | 4,211 |
| Memoranda: | ||
| Average total assets | $305,300,600 | 2,130 |
| Average earning assets | $277,592,800 | 2,151 |
| Average equity | $33,507,000 | 2,078 |
| Average total loans | $266,424,600 | 1,592 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 365 |
| Cost of funding earning assets | 0.8253% | 607 |
| Net interest margin | 4.5917% | 626 |
| Noninterest income to average assets | 0.2151% | 5,647 |
| Noninterest expense to average assets | 2.6652% | 3,964 |
| Loan and lease loss provision to assets | 0.8939% | 129 |
| Net operating income to assets | 0.5401% | 4,711 |
| Return on assets (ROA) | 0.5401% | 4,783 |
| Pretax return on assets | 0.8311% | 4,255 |
| Return on Equity (ROE) | 4.9429% | 4,742 |
| Retained earnings to average equity (ytd only) | 3.8529% | 3,913 |
| Net charge-offs to loans | 1.4395% | 171 |
| Credit loss provision to net charge-offs | 71.3440% | 2,752 |
| Earnings coverage of net charge-offs (x) | 1.3767% | 4,171 |
| Efficiency ratio | 60.7075% | 5,087 |
| Assets per employee ($millions) | 4.1193% | 3,623 |
| Cash dividends to net income (ytd only)* | 22.0516% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 905 |
| Loan loss allowance to noncurrent loans | 59.4851% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 5.5035% | 274 |
| Noncurrent loans to loans | 3.7487% | 605 |
| Net loans and leases to total assets | 84.7470% | 276 |
| Net loans and leases to deposits | 106.8062% | 297 |
| Net loans and leases to core deposits | 110.6968% | 718 |
| Total domestic deposits to total assets | 79.3466% | 5,253 |
| Equity capital to assets | 11.0735% | 2,878 |
| Core capital (leverage) ratio | 10.6905% | 2,828 |
| Tier 1 risk-based capital ratio | 13.6974% | 4,418 |
| Total risk-based capital ratio | 14.9622% | 4,343 |
| Memoranda: | ||
| Average total assets | $305,610,250 | 2,138 |
| Average earning assets | $277,887,750 | 2,157 |
| Average equity | $33,393,750 | 2,091 |
| Average total loans | $266,018,250 | 1,604 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4414% | 349 |
| Cost of funding earning assets | 0.8124% | 662 |
| Net interest margin | 4.6290% | 555 |
| Noninterest income to average assets | 0.1517% | 6,048 |
| Noninterest expense to average assets | 2.6894% | 3,908 |
| Loan and lease loss provision to assets | 0.9612% | 110 |
| Net operating income to assets | 0.4597% | 4,974 |
| Return on assets (ROA) | 0.4597% | 5,042 |
| Pretax return on assets | 0.7075% | 4,612 |
| Return on Equity (ROE) | 4.2256% | 5,050 |
| Retained earnings to average equity (ytd only) | 2.5847% | 4,556 |
| Net charge-offs to loans | 1.2490% | 245 |
| Credit loss provision to net charge-offs | 88.2883% | 2,211 |
| Earnings coverage of net charge-offs (x) | 1.5327% | 3,782 |
| Efficiency ratio | 61.7104% | 5,051 |
| Assets per employee ($millions) | 4.1611% | 3,527 |
| Cash dividends to net income (ytd only)* | 38.8336% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4391% | 774 |
| Loan loss allowance to noncurrent loans | 59.3051% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 5.6225% | 293 |
| Noncurrent loans to loans | 4.1129% | 568 |
| Net loans and leases to total assets | 84.6921% | 254 |
| Net loans and leases to deposits | 108.6309% | 235 |
| Net loans and leases to core deposits | 112.7006% | 580 |
| Total domestic deposits to total assets | 77.9631% | 5,640 |
| Equity capital to assets | 10.8841% | 2,997 |
| Core capital (leverage) ratio | 10.5644% | 2,870 |
| Tier 1 risk-based capital ratio | 13.3780% | 4,662 |
| Total risk-based capital ratio | 14.6462% | 4,600 |
| Memoranda: | ||
| Average total assets | $305,871,670 | 2,136 |
| Average earning assets | $277,944,670 | 2,159 |
| Average equity | $33,273,330 | 2,082 |
| Average total loans | $266,616,670 | 1,599 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 308 |
| Cost of funding earning assets | 0.8050% | 732 |
| Net interest margin | 4.6585% | 497 |
| Noninterest income to average assets | 0.3241% | 4,773 |
| Noninterest expense to average assets | 2.6440% | 4,133 |
| Loan and lease loss provision to assets | 1.0497% | 107 |
| Net operating income to assets | 0.5485% | 4,463 |
| Return on assets (ROA) | 0.5485% | 4,533 |
| Pretax return on assets | 0.8673% | 3,835 |
| Return on Equity (ROE) | 5.0434% | 4,532 |
| Retained earnings to average equity (ytd only) | 1.7495% | 4,908 |
| Net charge-offs to loans | 2.1181% | 117 |
| Credit loss provision to net charge-offs | 56.7376% | 2,139 |
| Earnings coverage of net charge-offs (x) | 1.0362% | 3,202 |
| Efficiency ratio | 57.9689% | 5,651 |
| Assets per employee ($millions) | 4.1564% | 3,614 |
| Cash dividends to net income (ytd only)* | 65.3110% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2934% | 1,039 |
| Loan loss allowance to noncurrent loans | 53.4823% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 5.7290% | 315 |
| Noncurrent loans to loans | 4.2881% | 602 |
| Net loans and leases to total assets | 84.5637% | 209 |
| Net loans and leases to deposits | 107.4147% | 204 |
| Net loans and leases to core deposits | 111.2815% | 535 |
| Total domestic deposits to total assets | 78.7264% | 5,725 |
| Equity capital to assets | 10.8030% | 2,938 |
| Core capital (leverage) ratio | 10.5510% | 2,869 |
| Tier 1 risk-based capital ratio | 13.2061% | 4,895 |
| Total risk-based capital ratio | 14.4721% | 4,814 |
| Memoranda: | ||
| Average total assets | $304,845,000 | 2,148 |
| Average earning assets | $277,256,500 | 2,169 |
| Average equity | $33,152,500 | 2,077 |
| Average total loans | $266,271,000 | 1,603 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 446 |
| Cost of funding earning assets | 0.8877% | 793 |
| Net interest margin | 4.5017% | 735 |
| Noninterest income to average assets | 0.2197% | 5,762 |
| Noninterest expense to average assets | 2.4682% | 4,866 |
| Loan and lease loss provision to assets | 1.1902% | 136 |
| Net operating income to assets | 0.4439% | 4,981 |
| Return on assets (ROA) | 0.4439% | 5,105 |
| Pretax return on assets | 0.6764% | 4,617 |
| Return on Equity (ROE) | 4.2996% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.8789% | 3,445 |
| Net charge-offs to loans | 1.6514% | 270 |
| Credit loss provision to net charge-offs | 84.9749% | 2,894 |
| Earnings coverage of net charge-offs (x) | 1.3326% | 4,619 |
| Efficiency ratio | 56.9397% | 5,861 |
| Assets per employee ($millions) | 3.9752% | 3,913 |
| Cash dividends to net income (ytd only)* | 9.7842% | 4,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5212% | 811 |
| Loan loss allowance to noncurrent loans | 61.8666% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 5.6316% | 365 |
| Noncurrent loans to loans | 4.0752% | 704 |
| Net loans and leases to total assets | 85.9359% | 158 |
| Net loans and leases to deposits | 108.5937% | 189 |
| Net loans and leases to core deposits | 112.5456% | 514 |
| Total domestic deposits to total assets | 79.1352% | 5,626 |
| Equity capital to assets | 10.9487% | 2,662 |
| Core capital (leverage) ratio | 10.5015% | 2,920 |
| Tier 1 risk-based capital ratio | 13.1507% | 4,884 |
| Total risk-based capital ratio | 14.4195% | 4,816 |
| Memoranda: | ||
| Average total assets | $313,143,000 | 2,055 |
| Average earning assets | $286,247,800 | 2,066 |
| Average equity | $32,328,800 | 2,111 |
| Average total loans | $265,592,000 | 1,571 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3411% | 493 |
| Cost of funding earning assets | 0.9021% | 806 |
| Net interest margin | 4.4390% | 822 |
| Noninterest income to average assets | 0.2482% | 5,656 |
| Noninterest expense to average assets | 2.4391% | 4,910 |
| Loan and lease loss provision to assets | 1.3894% | 89 |
| Net operating income to assets | 0.3258% | 5,509 |
| Return on assets (ROA) | 0.3258% | 5,637 |
| Pretax return on assets | 0.4841% | 5,402 |
| Return on Equity (ROE) | 3.2024% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.6383% | 4,749 |
| Net charge-offs to loans | 1.9401% | 200 |
| Credit loss provision to net charge-offs | 85.2408% | 2,726 |
| Earnings coverage of net charge-offs (x) | 1.1494% | 4,462 |
| Efficiency ratio | 56.5571% | 5,845 |
| Assets per employee ($millions) | 4.0760% | 3,686 |
| Cash dividends to net income (ytd only)* | 17.6167% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6232% | 816 |
| Loan loss allowance to noncurrent loans | 55.4976% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 5.9732% | 409 |
| Noncurrent loans to loans | 4.7267% | 663 |
| Net loans and leases to total assets | 82.6227% | 320 |
| Net loans and leases to deposits | 102.6498% | 343 |
| Net loans and leases to core deposits | 106.9884% | 705 |
| Total domestic deposits to total assets | 80.4899% | 5,363 |
| Equity capital to assets | 10.6137% | 3,146 |
| Core capital (leverage) ratio | 9.8416% | 3,903 |
| Tier 1 risk-based capital ratio | 12.7140% | 5,314 |
| Total risk-based capital ratio | 13.9836% | 5,249 |
| Memoranda: | ||
| Average total assets | $315,899,500 | 2,048 |
| Average earning assets | $289,244,750 | 2,061 |
| Average equity | $32,141,500 | 2,142 |
| Average total loans | $265,404,500 | 1,578 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2954% | 534 |
| Cost of funding earning assets | 0.9094% | 853 |
| Net interest margin | 4.3861% | 874 |
| Noninterest income to average assets | 0.2944% | 5,346 |
| Noninterest expense to average assets | 2.4397% | 4,930 |
| Loan and lease loss provision to assets | 1.3386% | 108 |
| Net operating income to assets | 0.3620% | 5,352 |
| Return on assets (ROA) | 0.3620% | 5,534 |
| Pretax return on assets | 0.5462% | 5,214 |
| Return on Equity (ROE) | 3.6080% | 5,381 |
| Retained earnings to average equity (ytd only) | 2.7528% | 4,562 |
| Net charge-offs to loans | 2.1622% | 193 |
| Credit loss provision to net charge-offs | 73.9191% | 2,745 |
| Earnings coverage of net charge-offs (x) | 1.0408% | 4,188 |
| Efficiency ratio | 56.4166% | 5,909 |
| Assets per employee ($millions) | 4.1227% | 3,530 |
| Cash dividends to net income (ytd only)* | 23.7024% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5011% | 986 |
| Loan loss allowance to noncurrent loans | 41.2847% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 6.3941% | 403 |
| Noncurrent loans to loans | 6.0582% | 460 |
| Net loans and leases to total assets | 81.2922% | 407 |
| Net loans and leases to deposits | 99.9589% | 428 |
| Net loans and leases to core deposits | 103.9956% | 842 |
| Total domestic deposits to total assets | 81.3256% | 5,252 |
| Equity capital to assets | 10.1534% | 3,723 |
| Core capital (leverage) ratio | 9.5974% | 4,083 |
| Tier 1 risk-based capital ratio | 12.3891% | 5,581 |
| Total risk-based capital ratio | 13.6571% | 5,510 |
| Memoranda: | ||
| Average total assets | $319,300,000 | 2,025 |
| Average earning assets | $293,384,330 | 2,025 |
| Average equity | $32,040,000 | 2,154 |
| Average total loans | $267,412,670 | 1,566 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 500 |
| Cost of funding earning assets | 0.9314% | 841 |
| Net interest margin | 4.3839% | 824 |
| Noninterest income to average assets | 0.3510% | 4,869 |
| Noninterest expense to average assets | 2.3621% | 5,227 |
| Loan and lease loss provision to assets | 1.2266% | 127 |
| Net operating income to assets | 0.5096% | 4,609 |
| Return on assets (ROA) | 0.5096% | 4,758 |
| Pretax return on assets | 0.7894% | 4,211 |
| Return on Equity (ROE) | 5.1089% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.4060% | 4,213 |
| Net charge-offs to loans | 3.1342% | 107 |
| Credit loss provision to net charge-offs | 46.6287% | 2,650 |
| Earnings coverage of net charge-offs (x) | 0.7664% | 3,576 |
| Efficiency ratio | 53.9515% | 6,233 |
| Assets per employee ($millions) | 4.3553% | 3,232 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3501% | 1,334 |
| Loan loss allowance to noncurrent loans | 34.7666% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 6.9810% | 401 |
| Noncurrent loans to loans | 6.7598% | 455 |
| Net loans and leases to total assets | 80.5771% | 376 |
| Net loans and leases to deposits | 98.6042% | 415 |
| Net loans and leases to core deposits | 102.6564% | 793 |
| Total domestic deposits to total assets | 81.7177% | 5,292 |
| Equity capital to assets | 9.9535% | 4,206 |
| Core capital (leverage) ratio | 9.5235% | 4,042 |
| Tier 1 risk-based capital ratio | 12.3694% | 5,661 |
| Total risk-based capital ratio | 13.6357% | 5,602 |
| Memoranda: | ||
| Average total assets | $320,225,000 | 2,043 |
| Average earning assets | $294,166,000 | 2,046 |
| Average equity | $31,944,000 | 2,187 |
| Average total loans | $268,778,000 | 1,571 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 517 |
| Cost of funding earning assets | 1.1634% | 683 |
| Net interest margin | 4.4301% | 1,091 |
| Noninterest income to average assets | 0.1035% | 6,488 |
| Noninterest expense to average assets | 2.2445% | 5,824 |
| Loan and lease loss provision to assets | 1.4318% | 231 |
| Net operating income to assets | 0.3044% | 5,456 |
| Return on assets (ROA) | 0.3044% | 5,662 |
| Pretax return on assets | 0.4428% | 5,447 |
| Return on Equity (ROE) | 3.2123% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.2123% | 3,961 |
| Net charge-offs to loans | 1.3995% | 655 |
| Credit loss provision to net charge-offs | 121.0675% | 2,363 |
| Earnings coverage of net charge-offs (x) | 1.5851% | 4,651 |
| Efficiency ratio | 54.4905% | 6,217 |
| Assets per employee ($millions) | 4.3584% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7149% | 907 |
| Loan loss allowance to noncurrent loans | 37.5344% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 7.6395% | 387 |
| Noncurrent loans to loans | 7.2330% | 431 |
| Net loans and leases to total assets | 83.0526% | 264 |
| Net loans and leases to deposits | 101.7564% | 336 |
| Net loans and leases to core deposits | 106.0421% | 693 |
| Total domestic deposits to total assets | 81.6191% | 5,218 |
| Equity capital to assets | 9.9978% | 4,165 |
| Core capital (leverage) ratio | 9.1521% | 4,660 |
| Tier 1 risk-based capital ratio | 12.0619% | 5,754 |
| Total risk-based capital ratio | 13.3330% | 5,696 |
| Memoranda: | ||
| Average total assets | $329,513,600 | 1,956 |
| Average earning assets | $298,685,200 | 1,980 |
| Average equity | $31,223,400 | 2,187 |
| Average total loans | $278,454,800 | 1,494 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 521 |
| Cost of funding earning assets | 1.2092% | 664 |
| Net interest margin | 4.4317% | 1,136 |
| Noninterest income to average assets | 0.0501% | 6,803 |
| Noninterest expense to average assets | 2.1848% | 5,983 |
| Loan and lease loss provision to assets | 1.3439% | 256 |
| Net operating income to assets | 0.3562% | 5,411 |
| Return on assets (ROA) | 0.3562% | 5,616 |
| Pretax return on assets | 0.5279% | 5,382 |
| Return on Equity (ROE) | 3.8098% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.8098% | 4,207 |
| Net charge-offs to loans | 1.3877% | 651 |
| Credit loss provision to net charge-offs | 114.8834% | 2,537 |
| Earnings coverage of net charge-offs (x) | 1.6001% | 4,481 |
| Efficiency ratio | 53.8568% | 6,264 |
| Assets per employee ($millions) | 4.6392% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5409% | 1,159 |
| Loan loss allowance to noncurrent loans | 34.0547% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 7.6704% | 416 |
| Noncurrent loans to loans | 7.4613% | 454 |
| Net loans and leases to total assets | 81.3624% | 397 |
| Net loans and leases to deposits | 98.9101% | 498 |
| Net loans and leases to core deposits | 103.2255% | 916 |
| Total domestic deposits to total assets | 82.2589% | 4,930 |
| Equity capital to assets | 9.6229% | 5,030 |
| Core capital (leverage) ratio | 9.2181% | 4,729 |
| Tier 1 risk-based capital ratio | 12.0422% | 5,915 |
| Total risk-based capital ratio | 13.3111% | 5,891 |
| Memoranda: | ||
| Average total assets | $332,351,750 | 1,958 |
| Average earning assets | $300,464,000 | 1,984 |
| Average equity | $31,077,000 | 2,214 |
| Average total loans | $280,164,750 | 1,503 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6610% | 519 |
| Cost of funding earning assets | 1.2556% | 631 |
| Net interest margin | 4.4053% | 1,188 |
| Noninterest income to average assets | 0.0120% | 6,965 |
| Noninterest expense to average assets | 2.2259% | 5,936 |
| Loan and lease loss provision to assets | 1.7424% | 194 |
| Net operating income to assets | 0.0486% | 6,259 |
| Return on assets (ROA) | 0.0486% | 6,399 |
| Pretax return on assets | 0.0180% | 6,427 |
| Return on Equity (ROE) | 0.5248% | 6,386 |
| Retained earnings to average equity (ytd only) | 0.5248% | 5,859 |
| Net charge-offs to loans | 1.3722% | 751 |
| Credit loss provision to net charge-offs | 150.1551% | 1,838 |
| Earnings coverage of net charge-offs (x) | 1.5171% | 4,234 |
| Efficiency ratio | 55.8399% | 6,130 |
| Assets per employee ($millions) | 4.7240% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6825% | 1,059 |
| Loan loss allowance to noncurrent loans | 40.8881% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 7.1520% | 542 |
| Noncurrent loans to loans | 6.5606% | 636 |
| Net loans and leases to total assets | 82.5349% | 305 |
| Net loans and leases to deposits | 99.9410% | 419 |
| Net loans and leases to core deposits | 104.6383% | 815 |
| Total domestic deposits to total assets | 82.5836% | 4,916 |
| Equity capital to assets | 9.3378% | 5,273 |
| Core capital (leverage) ratio | 8.7517% | 5,292 |
| Tier 1 risk-based capital ratio | 11.3498% | 6,313 |
| Total risk-based capital ratio | 12.6206% | 6,274 |
| Memoranda: | ||
| Average total assets | $333,341,670 | 1,952 |
| Average earning assets | $300,725,670 | 1,975 |
| Average equity | $30,870,670 | 2,210 |
| Average total loans | $281,893,000 | 1,491 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7703% | 453 |
| Cost of funding earning assets | 1.3093% | 611 |
| Net interest margin | 4.4610% | 1,086 |
| Noninterest income to average assets | 0.0394% | 6,974 |
| Noninterest expense to average assets | 2.1047% | 6,261 |
| Loan and lease loss provision to assets | 1.7354% | 184 |
| Net operating income to assets | 0.1554% | 6,106 |
| Return on assets (ROA) | 0.1554% | 6,237 |
| Pretax return on assets | 0.1900% | 6,220 |
| Return on Equity (ROE) | 1.6846% | 6,163 |
| Retained earnings to average equity (ytd only) | 1.6846% | 5,390 |
| Net charge-offs to loans | 1.6517% | 585 |
| Credit loss provision to net charge-offs | 124.4216% | 1,922 |
| Earnings coverage of net charge-offs (x) | 1.3805% | 3,634 |
| Efficiency ratio | 52.2242% | 6,521 |
| Assets per employee ($millions) | 4.5328% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4448% | 1,435 |
| Loan loss allowance to noncurrent loans | 34.0199% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 7.6470% | 521 |
| Noncurrent loans to loans | 7.1865% | 601 |
| Net loans and leases to total assets | 81.3455% | 313 |
| Net loans and leases to deposits | 98.2366% | 433 |
| Net loans and leases to core deposits | 102.9090% | 818 |
| Total domestic deposits to total assets | 82.8057% | 5,007 |
| Equity capital to assets | 9.2211% | 5,203 |
| Core capital (leverage) ratio | 8.8062% | 5,121 |
| Tier 1 risk-based capital ratio | 11.4435% | 6,315 |
| Total risk-based capital ratio | 12.7114% | 6,286 |
| Memoranda: | ||
| Average total assets | $334,674,000 | 1,951 |
| Average earning assets | $299,395,500 | 1,988 |
| Average equity | $30,867,000 | 2,214 |
| Average total loans | $282,616,000 | 1,501 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9310% | 487 |
| Cost of funding earning assets | 1.4315% | 915 |
| Net interest margin | 4.4995% | 1,133 |
| Noninterest income to average assets | 0.0612% | 6,789 |
| Noninterest expense to average assets | 2.3376% | 5,951 |
| Loan and lease loss provision to assets | 1.8016% | 370 |
| Net operating income to assets | 0.0520% | 5,959 |
| Return on assets (ROA) | 0.0487% | 6,074 |
| Pretax return on assets | 0.0096% | 6,110 |
| Return on Equity (ROE) | 0.5301% | 6,056 |
| Retained earnings to average equity (ytd only) | 0.2212% | 5,727 |
| Net charge-offs to loans | 1.6829% | 908 |
| Credit loss provision to net charge-offs | 123.9466% | 2,535 |
| Earnings coverage of net charge-offs (x) | 1.2483% | 4,842 |
| Efficiency ratio | 56.2999% | 6,279 |
| Assets per employee ($millions) | 4.4523% | 2,987 |
| Cash dividends to net income (ytd only)* | 58.2822% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 1,621 |
| Loan loss allowance to noncurrent loans | 30.3422% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 8.1684% | 487 |
| Noncurrent loans to loans | 7.5636% | 549 |
| Net loans and leases to total assets | 83.5486% | 231 |
| Net loans and leases to deposits | 100.9575% | 415 |
| Net loans and leases to core deposits | 105.1369% | 835 |
| Total domestic deposits to total assets | 82.7562% | 4,861 |
| Equity capital to assets | 9.2249% | 5,249 |
| Core capital (leverage) ratio | 8.7420% | 5,187 |
| Tier 1 risk-based capital ratio | 11.1582% | 6,368 |
| Total risk-based capital ratio | 12.4236% | 6,346 |
| Memoranda: | ||
| Average total assets | $334,700,000 | 1,932 |
| Average earning assets | $304,301,000 | 1,927 |
| Average equity | $30,748,000 | 2,142 |
| Average total loans | $289,085,800 | 1,482 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9654% | 489 |
| Cost of funding earning assets | 1.4521% | 1,019 |
| Net interest margin | 4.5133% | 1,110 |
| Noninterest income to average assets | 0.1099% | 6,705 |
| Noninterest expense to average assets | 2.4067% | 5,750 |
| Loan and lease loss provision to assets | 1.7924% | 336 |
| Net operating income to assets | 0.0522% | 6,071 |
| Return on assets (ROA) | 0.0530% | 6,174 |
| Pretax return on assets | 0.0187% | 6,211 |
| Return on Equity (ROE) | 0.5770% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.1649% | 5,907 |
| Net charge-offs to loans | 1.9045% | 686 |
| Credit loss provision to net charge-offs | 108.6915% | 3,038 |
| Earnings coverage of net charge-offs (x) | 1.0978% | 4,808 |
| Efficiency ratio | 57.0714% | 6,134 |
| Assets per employee ($millions) | 4.3883% | 3,093 |
| Cash dividends to net income (ytd only)* | 71.4262% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 2,311 |
| Loan loss allowance to noncurrent loans | 32.9172% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 7.0691% | 697 |
| Noncurrent loans to loans | 6.1057% | 902 |
| Net loans and leases to total assets | 84.0290% | 223 |
| Net loans and leases to deposits | 101.5557% | 410 |
| Net loans and leases to core deposits | 106.2069% | 851 |
| Total domestic deposits to total assets | 82.7417% | 4,779 |
| Equity capital to assets | 9.2288% | 5,469 |
| Core capital (leverage) ratio | 9.1363% | 4,732 |
| Tier 1 risk-based capital ratio | 11.7420% | 6,073 |
| Total risk-based capital ratio | 13.0038% | 6,066 |
| Memoranda: | ||
| Average total assets | $334,894,500 | 1,938 |
| Average earning assets | $304,750,750 | 1,936 |
| Average equity | $30,734,000 | 2,154 |
| Average total loans | $289,972,250 | 1,481 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 503 |
| Cost of funding earning assets | 1.4736% | 1,097 |
| Net interest margin | 4.4987% | 1,135 |
| Noninterest income to average assets | 0.1563% | 6,535 |
| Noninterest expense to average assets | 2.4213% | 5,779 |
| Loan and lease loss provision to assets | 1.8351% | 358 |
| Net operating income to assets | 0.0380% | 6,151 |
| Return on assets (ROA) | 0.0388% | 6,229 |
| Pretax return on assets | -0.0060% | 6,275 |
| Return on Equity (ROE) | 0.4232% | 6,209 |
| Retained earnings to average equity (ytd only) | -0.2018% | 5,879 |
| Net charge-offs to loans | 1.6636% | 872 |
| Credit loss provision to net charge-offs | 126.9913% | 2,407 |
| Earnings coverage of net charge-offs (x) | 1.2650% | 4,341 |
| Efficiency ratio | 56.9825% | 6,300 |
| Assets per employee ($millions) | 4.3881% | 3,014 |
| Cash dividends to net income (ytd only)* | 147.6923% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0812% | 2,162 |
| Loan loss allowance to noncurrent loans | 36.9180% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 6.6186% | 799 |
| Noncurrent loans to loans | 5.6374% | 1,107 |
| Net loans and leases to total assets | 84.1331% | 238 |
| Net loans and leases to deposits | 104.7599% | 294 |
| Net loans and leases to core deposits | 109.2968% | 743 |
| Total domestic deposits to total assets | 80.3105% | 5,736 |
| Equity capital to assets | 9.0890% | 5,458 |
| Core capital (leverage) ratio | 9.2502% | 4,326 |
| Tier 1 risk-based capital ratio | 11.6033% | 6,089 |
| Total risk-based capital ratio | 12.8661% | 6,078 |
| Memoranda: | ||
| Average total assets | $335,356,000 | 1,944 |
| Average earning assets | $305,112,670 | 1,944 |
| Average equity | $30,719,000 | 2,140 |
| Average total loans | $291,298,670 | 1,493 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9467% | 534 |
| Cost of funding earning assets | 1.5406% | 1,019 |
| Net interest margin | 4.4061% | 1,259 |
| Noninterest income to average assets | 0.2514% | 5,894 |
| Noninterest expense to average assets | 2.4233% | 5,820 |
| Loan and lease loss provision to assets | 1.8222% | 313 |
| Net operating income to assets | 0.0563% | 6,217 |
| Return on assets (ROA) | 0.0587% | 6,257 |
| Pretax return on assets | 0.0216% | 6,321 |
| Return on Equity (ROE) | 0.6379% | 6,238 |
| Retained earnings to average equity (ytd only) | -0.6119% | 5,910 |
| Net charge-offs to loans | 1.6683% | 797 |
| Credit loss provision to net charge-offs | 125.0616% | 2,193 |
| Earnings coverage of net charge-offs (x) | 1.2638% | 3,725 |
| Efficiency ratio | 56.8220% | 6,404 |
| Assets per employee ($millions) | 4.3265% | 3,191 |
| Cash dividends to net income (ytd only)* | 195.9184% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 2,535 |
| Loan loss allowance to noncurrent loans | 31.0923% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 7.3605% | 696 |
| Noncurrent loans to loans | 6.2787% | 980 |
| Net loans and leases to total assets | 84.7281% | 189 |
| Net loans and leases to deposits | 104.0113% | 314 |
| Net loans and leases to core deposits | 109.2079% | 773 |
| Total domestic deposits to total assets | 81.4605% | 5,506 |
| Equity capital to assets | 9.0955% | 5,063 |
| Core capital (leverage) ratio | 9.2080% | 4,275 |
| Tier 1 risk-based capital ratio | 11.5269% | 6,082 |
| Total risk-based capital ratio | 12.7879% | 6,053 |
| Memoranda: | ||
| Average total assets | $334,094,000 | 1,963 |
| Average earning assets | $304,304,000 | 1,961 |
| Average equity | $30,723,500 | 2,132 |
| Average total loans | $291,792,500 | 1,508 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1875% | 580 |
| Cost of funding earning assets | 1.8315% | 1,056 |
| Net interest margin | 4.3559% | 1,632 |
| Noninterest income to average assets | 0.1432% | 6,675 |
| Noninterest expense to average assets | 2.1558% | 6,717 |
| Loan and lease loss provision to assets | 1.7995% | 770 |
| Net operating income to assets | 0.1589% | 5,407 |
| Return on assets (ROA) | 0.1589% | 5,568 |
| Pretax return on assets | 0.1850% | 5,519 |
| Return on Equity (ROE) | 1.7431% | 5,484 |
| Retained earnings to average equity (ytd only) | 1.7431% | 4,634 |
| Net charge-offs to loans | 1.6633% | 1,304 |
| Credit loss provision to net charge-offs | 123.7212% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.3644% | 4,747 |
| Efficiency ratio | 52.0690% | 6,982 |
| Assets per employee ($millions) | 4.2951% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 2,701 |
| Loan loss allowance to noncurrent loans | 27.2990% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 7.6281% | 675 |
| Noncurrent loans to loans | 6.7601% | 856 |
| Net loans and leases to total assets | 86.6514% | 150 |
| Net loans and leases to deposits | 104.9337% | 363 |
| Net loans and leases to core deposits | 109.6912% | 937 |
| Total domestic deposits to total assets | 82.5773% | 4,982 |
| Equity capital to assets | 9.2987% | 4,695 |
| Core capital (leverage) ratio | 9.1657% | 4,236 |
| Tier 1 risk-based capital ratio | 11.5154% | 5,899 |
| Total risk-based capital ratio | 12.7758% | 5,892 |
| Memoranda: | ||
| Average total assets | $337,371,400 | 1,934 |
| Average earning assets | $309,578,200 | 1,920 |
| Average equity | $30,750,400 | 2,131 |
| Average total loans | $295,022,600 | 1,518 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2123% | 603 |
| Cost of funding earning assets | 1.8865% | 1,073 |
| Net interest margin | 4.3258% | 1,753 |
| Noninterest income to average assets | 0.2379% | 6,187 |
| Noninterest expense to average assets | 2.1374% | 6,763 |
| Loan and lease loss provision to assets | 1.5353% | 857 |
| Net operating income to assets | 0.3720% | 4,874 |
| Return on assets (ROA) | 0.3720% | 5,060 |
| Pretax return on assets | 0.5411% | 4,792 |
| Return on Equity (ROE) | 4.1018% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.1018% | 3,591 |
| Net charge-offs to loans | 1.4659% | 1,376 |
| Credit loss provision to net charge-offs | 120.0492% | 3,436 |
| Earnings coverage of net charge-offs (x) | 1.6236% | 4,499 |
| Efficiency ratio | 50.7233% | 7,095 |
| Assets per employee ($millions) | 4.3083% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 3,345 |
| Loan loss allowance to noncurrent loans | 25.4981% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 6.9292% | 786 |
| Noncurrent loans to loans | 6.4550% | 926 |
| Net loans and leases to total assets | 87.8321% | 113 |
| Net loans and leases to deposits | 106.4804% | 344 |
| Net loans and leases to core deposits | 111.1613% | 972 |
| Total domestic deposits to total assets | 82.4866% | 4,807 |
| Equity capital to assets | 9.3914% | 4,997 |
| Core capital (leverage) ratio | 9.0326% | 4,635 |
| Tier 1 risk-based capital ratio | 11.5350% | 5,898 |
| Total risk-based capital ratio | 12.7920% | 5,879 |
| Memoranda: | ||
| Average total assets | $339,033,250 | 1,956 |
| Average earning assets | $311,608,250 | 1,940 |
| Average equity | $30,749,750 | 2,151 |
| Average total loans | $295,787,000 | 1,530 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1510% | 689 |
| Cost of funding earning assets | 1.8707% | 1,337 |
| Net interest margin | 4.2803% | 1,849 |
| Noninterest income to average assets | 0.2179% | 6,359 |
| Noninterest expense to average assets | 2.1507% | 6,763 |
| Loan and lease loss provision to assets | 1.4432% | 927 |
| Net operating income to assets | 0.3842% | 4,827 |
| Return on assets (ROA) | 0.3842% | 4,991 |
| Pretax return on assets | 0.5640% | 4,690 |
| Return on Equity (ROE) | 4.2855% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.2855% | 3,352 |
| Net charge-offs to loans | 1.1595% | 1,633 |
| Credit loss provision to net charge-offs | 143.7573% | 2,763 |
| Earnings coverage of net charge-offs (x) | 1.9994% | 4,025 |
| Efficiency ratio | 51.7256% | 7,099 |
| Assets per employee ($millions) | 4.4950% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 3,146 |
| Loan loss allowance to noncurrent loans | 27.6042% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 6.2350% | 923 |
| Noncurrent loans to loans | 6.0925% | 1,042 |
| Net loans and leases to total assets | 84.0133% | 354 |
| Net loans and leases to deposits | 107.6090% | 332 |
| Net loans and leases to core deposits | 113.4348% | 948 |
| Total domestic deposits to total assets | 78.0728% | 6,252 |
| Equity capital to assets | 8.9254% | 5,565 |
| Core capital (leverage) ratio | 8.9025% | 4,747 |
| Tier 1 risk-based capital ratio | 11.2479% | 6,000 |
| Total risk-based capital ratio | 12.5048% | 5,977 |
| Memoranda: | ||
| Average total assets | $341,464,000 | 1,953 |
| Average earning assets | $314,320,330 | 1,935 |
| Average equity | $30,614,670 | 2,153 |
| Average total loans | $295,632,330 | 1,546 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1139% | 760 |
| Cost of funding earning assets | 1.9008% | 1,445 |
| Net interest margin | 4.2131% | 1,987 |
| Noninterest income to average assets | 0.2465% | 6,180 |
| Noninterest expense to average assets | 2.1136% | 6,899 |
| Loan and lease loss provision to assets | 1.1500% | 1,066 |
| Net operating income to assets | 0.5626% | 4,068 |
| Return on assets (ROA) | 0.5626% | 4,215 |
| Pretax return on assets | 0.8598% | 3,627 |
| Return on Equity (ROE) | 6.2607% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.2607% | 2,489 |
| Net charge-offs to loans | 1.1246% | 1,496 |
| Credit loss provision to net charge-offs | 117.3285% | 2,972 |
| Earnings coverage of net charge-offs (x) | 2.0505% | 3,518 |
| Efficiency ratio | 51.2586% | 7,213 |
| Assets per employee ($millions) | 4.6468% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 3,982 |
| Loan loss allowance to noncurrent loans | 28.1770% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 5.5600% | 1,110 |
| Noncurrent loans to loans | 5.2726% | 1,346 |
| Net loans and leases to total assets | 84.2316% | 352 |
| Net loans and leases to deposits | 108.0753% | 340 |
| Net loans and leases to core deposits | 114.3026% | 1,028 |
| Total domestic deposits to total assets | 77.9379% | 6,328 |
| Equity capital to assets | 8.9323% | 5,377 |
| Core capital (leverage) ratio | 9.0029% | 4,564 |
| Tier 1 risk-based capital ratio | 11.3184% | 5,839 |
| Total risk-based capital ratio | 12.5727% | 5,804 |
| Memoranda: | ||
| Average total assets | $339,139,500 | 2,024 |
| Average earning assets | $312,075,500 | 2,000 |
| Average equity | $30,476,000 | 2,193 |
| Average total loans | $295,571,000 | 1,594 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5557% | 598 |
| Cost of funding earning assets | 2.1964% | 2,053 |
| Net interest margin | 4.3592% | 1,546 |
| Noninterest income to average assets | 0.1459% | 7,009 |
| Noninterest expense to average assets | 2.3227% | 6,684 |
| Loan and lease loss provision to assets | 1.0987% | 2,075 |
| Net operating income to assets | 0.5174% | 3,660 |
| Return on assets (ROA) | 0.5163% | 3,761 |
| Pretax return on assets | 0.7681% | 3,354 |
| Return on Equity (ROE) | 5.3967% | 3,472 |
| Retained earnings to average equity (ytd only) | 2.8080% | 3,202 |
| Net charge-offs to loans | 0.6289% | 3,319 |
| Credit loss provision to net charge-offs | 197.7117% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.3621% | 3,377 |
| Efficiency ratio | 55.4199% | 7,080 |
| Assets per employee ($millions) | 4.5191% | 2,889 |
| Cash dividends to net income (ytd only)* | 47.9680% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 4,114 |
| Loan loss allowance to noncurrent loans | 32.9588% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 4.8168% | 1,304 |
| Noncurrent loans to loans | 4.3133% | 1,673 |
| Net loans and leases to total assets | 87.5881% | 194 |
| Net loans and leases to deposits | 116.9897% | 215 |
| Net loans and leases to core deposits | 155.6074% | 401 |
| Total domestic deposits to total assets | 74.8682% | 6,889 |
| Equity capital to assets | 9.0418% | 5,074 |
| Core capital (leverage) ratio | 9.2913% | 3,992 |
| Tier 1 risk-based capital ratio | 11.0775% | 5,847 |
| Total risk-based capital ratio | 12.3312% | 5,801 |
| Memoranda: | ||
| Average total assets | $314,549,400 | 2,135 |
| Average earning assets | $291,885,200 | 2,114 |
| Average equity | $30,092,600 | 2,221 |
| Average total loans | $277,931,200 | 1,736 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5588% | 665 |
| Cost of funding earning assets | 2.2677% | 2,118 |
| Net interest margin | 4.2911% | 1,753 |
| Noninterest income to average assets | 0.1921% | 6,844 |
| Noninterest expense to average assets | 2.3605% | 6,527 |
| Loan and lease loss provision to assets | 0.9931% | 1,931 |
| Net operating income to assets | 0.5533% | 3,780 |
| Return on assets (ROA) | 0.5547% | 3,858 |
| Pretax return on assets | 0.8338% | 3,428 |
| Return on Equity (ROE) | 5.7135% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.7135% | 2,094 |
| Net charge-offs to loans | 0.6541% | 2,722 |
| Credit loss provision to net charge-offs | 172.0896% | 2,697 |
| Earnings coverage of net charge-offs (x) | 3.1619% | 3,657 |
| Efficiency ratio | 56.4005% | 6,947 |
| Assets per employee ($millions) | 4.2685% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 4,960 |
| Loan loss allowance to noncurrent loans | 26.3269% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 5.3218% | 1,092 |
| Noncurrent loans to loans | 4.6664% | 1,476 |
| Net loans and leases to total assets | 87.4463% | 238 |
| Net loans and leases to deposits | 114.6154% | 305 |
| Net loans and leases to core deposits | 154.6113% | 484 |
| Total domestic deposits to total assets | 76.2954% | 6,531 |
| Equity capital to assets | 9.5834% | 4,640 |
| Core capital (leverage) ratio | 9.7623% | 3,558 |
| Tier 1 risk-based capital ratio | 11.5150% | 5,410 |
| Total risk-based capital ratio | 12.7659% | 5,365 |
| Memoranda: | ||
| Average total assets | $309,583,500 | 2,173 |
| Average earning assets | $288,095,250 | 2,153 |
| Average equity | $30,056,500 | 2,249 |
| Average total loans | $273,131,500 | 1,778 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5432% | 744 |
| Cost of funding earning assets | 2.3355% | 2,220 |
| Net interest margin | 4.2078% | 1,968 |
| Noninterest income to average assets | 0.2542% | 6,460 |
| Noninterest expense to average assets | 2.4308% | 6,369 |
| Loan and lease loss provision to assets | 0.8861% | 1,903 |
| Net operating income to assets | 0.5681% | 3,816 |
| Return on assets (ROA) | 0.5698% | 3,917 |
| Pretax return on assets | 0.8580% | 3,481 |
| Return on Equity (ROE) | 5.8428% | 3,725 |
| Retained earnings to average equity (ytd only) | 5.8428% | 2,095 |
| Net charge-offs to loans | 0.7037% | 2,292 |
| Credit loss provision to net charge-offs | 142.8872% | 3,246 |
| Earnings coverage of net charge-offs (x) | 2.8082% | 3,685 |
| Efficiency ratio | 58.2616% | 6,822 |
| Assets per employee ($millions) | 4.1038% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 5,803 |
| Loan loss allowance to noncurrent loans | 28.2689% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 4.7084% | 1,178 |
| Noncurrent loans to loans | 3.7747% | 1,818 |
| Net loans and leases to total assets | 86.8907% | 305 |
| Net loans and leases to deposits | 114.6723% | 371 |
| Net loans and leases to core deposits | 148.0343% | 698 |
| Total domestic deposits to total assets | 75.7730% | 6,599 |
| Equity capital to assets | 9.7034% | 4,345 |
| Core capital (leverage) ratio | 9.7804% | 3,543 |
| Tier 1 risk-based capital ratio | 12.4603% | 4,551 |
| Total risk-based capital ratio | 13.6711% | 4,508 |
| Memoranda: | ||
| Average total assets | $306,066,000 | 2,224 |
| Average earning assets | $284,997,670 | 2,197 |
| Average equity | $29,848,670 | 2,275 |
| Average total loans | $269,699,000 | 1,825 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5078% | 852 |
| Cost of funding earning assets | 2.3987% | 2,302 |
| Net interest margin | 4.1091% | 2,243 |
| Noninterest income to average assets | 0.2718% | 6,256 |
| Noninterest expense to average assets | 2.3091% | 6,509 |
| Loan and lease loss provision to assets | 0.7561% | 1,704 |
| Net operating income to assets | 0.6571% | 3,766 |
| Return on assets (ROA) | 0.6571% | 3,944 |
| Pretax return on assets | 1.0424% | 3,192 |
| Return on Equity (ROE) | 6.7204% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.7204% | 2,318 |
| Net charge-offs to loans | 0.6458% | 1,888 |
| Credit loss provision to net charge-offs | 132.6389% | 3,048 |
| Earnings coverage of net charge-offs (x) | 3.1551% | 3,269 |
| Efficiency ratio | 56.2159% | 6,942 |
| Assets per employee ($millions) | 4.1479% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 6,275 |
| Loan loss allowance to noncurrent loans | 24.2272% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 4.3532% | 1,123 |
| Noncurrent loans to loans | 4.0753% | 1,473 |
| Net loans and leases to total assets | 86.8075% | 352 |
| Net loans and leases to deposits | 114.9918% | 409 |
| Net loans and leases to core deposits | 146.8265% | 816 |
| Total domestic deposits to total assets | 75.4902% | 6,604 |
| Equity capital to assets | 9.7379% | 4,323 |
| Core capital (leverage) ratio | 9.9214% | 3,495 |
| Tier 1 risk-based capital ratio | 12.6965% | 4,394 |
| Total risk-based capital ratio | 13.8327% | 4,410 |
| Memoranda: | ||
| Average total assets | $303,153,000 | 2,250 |
| Average earning assets | $282,981,500 | 2,225 |
| Average equity | $29,641,000 | 2,308 |
| Average total loans | $267,584,500 | 1,857 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9084% | 1,371 |
| Cost of funding earning assets | 2.9877% | 1,912 |
| Net interest margin | 3.9206% | 3,479 |
| Noninterest income to average assets | 0.2941% | 6,358 |
| Noninterest expense to average assets | 2.3982% | 6,398 |
| Loan and lease loss provision to assets | 0.4135% | 3,218 |
| Net operating income to assets | 0.7539% | 3,648 |
| Return on assets (ROA) | 0.7543% | 3,487 |
| Pretax return on assets | 1.1434% | 2,860 |
| Return on Equity (ROE) | 7.4366% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.2279% | 2,488 |
| Net charge-offs to loans | 0.2293% | 3,951 |
| Credit loss provision to net charge-offs | 202.7397% | 2,396 |
| Earnings coverage of net charge-offs (x) | 7.6301% | 3,061 |
| Efficiency ratio | 60.6465% | 6,233 |
| Assets per employee ($millions) | 4.1008% | 3,307 |
| Cash dividends to net income (ytd only)* | 43.1481% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 6,421 |
| Loan loss allowance to noncurrent loans | 19.5236% | 7,260 |
| Noncurrent assets plus other real estate owned to assets | 4.9125% | 713 |
| Noncurrent loans to loans | 4.8436% | 933 |
| Net loans and leases to total assets | 88.0358% | 366 |
| Net loans and leases to deposits | 117.8061% | 447 |
| Net loans and leases to core deposits | 148.0767% | 935 |
| Total domestic deposits to total assets | 74.7294% | 6,512 |
| Equity capital to assets | 9.8183% | 4,268 |
| Core capital (leverage) ratio | 9.8429% | 3,595 |
| Tier 1 risk-based capital ratio | 12.6761% | 4,306 |
| Total risk-based capital ratio | 13.7690% | 4,327 |
| Memoranda: | ||
| Average total assets | $286,339,800 | 2,277 |
| Average earning assets | $267,328,200 | 2,244 |
| Average equity | $29,045,400 | 2,328 |
| Average total loans | $254,660,600 | 1,877 |