Home > The Farmers National Bank of Emlenton > Performance and Condition Ratios
The Farmers National Bank of Emlenton, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 2,833 |
| Cost of funding earning assets | 0.4487% | 1,731 |
| Net interest margin | 3.1401% | 3,057 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 3.1348% | 786 |
| Loan and lease loss provision to assets | 0.8100% | 60 |
| Net operating income to assets | -0.5223% | 4,643 |
| Return on assets (ROA) | -0.6122% | 4,641 |
| Pretax return on assets | -0.7911% | 4,643 |
| Return on Equity (ROE) | -8.5500% | 4,650 |
| Retained earnings to average equity (ytd only) | -24.8181% | 4,701 |
| Net charge-offs to loans | 0.7050% | 100 |
| Credit loss provision to net charge-offs | 148.9576% | 1,306 |
| Earnings coverage of net charge-offs (x) | 0.2477% | 2,562 |
| Efficiency ratio | 95.4209% | 205 |
| Assets per employee ($millions) | 7.7213% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 878 |
| Loan loss allowance to noncurrent loans | 234.9215% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 901 |
| Noncurrent loans to loans | 0.7029% | 1,066 |
| Net loans and leases to total assets | 77.5200% | 846 |
| Net loans and leases to deposits | 89.6538% | 1,077 |
| Net loans and leases to core deposits | 93.0657% | 1,343 |
| Total domestic deposits to total assets | 86.4600% | 2,584 |
| Equity capital to assets | 5.3829% | 4,273 |
| Core capital (leverage) ratio | 6.3405% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5981% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,037,856,800 | 951 |
| Average earning assets | $949,997,400 | 947 |
| Average equity | $74,288,600 | 1,195 |
| Average total loans | $802,847,200 | 819 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 1,772 |
| Cost of funding earning assets | 0.3950% | 1,324 |
| Net interest margin | 3.4038% | 1,963 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.0360% | 3,383 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1515% | 1,886 |
| Return on assets (ROA) | 1.1229% | 1,961 |
| Pretax return on assets | 1.3824% | 1,770 |
| Return on Equity (ROE) | 14.8000% | 1,219 |
| Retained earnings to average equity (ytd only) | -2.3436% | 4,508 |
| Net charge-offs to loans | 0.0396% | 1,099 |
| Credit loss provision to net charge-offs | 182.0084% | 1,031 |
| Earnings coverage of net charge-offs (x) | 48.2887% | 1,305 |
| Efficiency ratio | 57.6028% | 3,433 |
| Assets per employee ($millions) | 8.2178% | 1,210 |
| Cash dividends to net income (ytd only)* | 115.8367% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 1,997 |
| Loan loss allowance to noncurrent loans | 285.0336% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 1,451 |
| Noncurrent loans to loans | 0.4586% | 1,658 |
| Net loans and leases to total assets | 77.8300% | 720 |
| Net loans and leases to deposits | 86.2491% | 1,155 |
| Net loans and leases to core deposits | 89.3018% | 1,342 |
| Total domestic deposits to total assets | 90.2400% | 1,552 |
| Equity capital to assets | 6.3378% | 3,828 |
| Core capital (leverage) ratio | 7.8584% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7582% | 2,567 |
| Memoranda: | ||
| Average total assets | $1,044,448,500 | 949 |
| Average earning assets | $957,017,250 | 950 |
| Average equity | $79,249,000 | 1,155 |
| Average total loans | $804,243,500 | 818 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 1,609 |
| Cost of funding earning assets | 0.3782% | 1,056 |
| Net interest margin | 3.2949% | 1,926 |
| Noninterest income to average assets | 0.3837% | 2,848 |
| Noninterest expense to average assets | 2.0330% | 3,341 |
| Loan and lease loss provision to assets | 0.0562% | 1,578 |
| Net operating income to assets | 1.0645% | 1,919 |
| Return on assets (ROA) | 1.0495% | 1,949 |
| Pretax return on assets | 1.2992% | 1,754 |
| Return on Equity (ROE) | 13.1270% | 1,351 |
| Retained earnings to average equity (ytd only) | 2.1604% | 3,707 |
| Net charge-offs to loans | 0.0406% | 983 |
| Credit loss provision to net charge-offs | 180.9816% | 1,014 |
| Earnings coverage of net charge-offs (x) | 44.2577% | 1,212 |
| Efficiency ratio | 59.2487% | 3,408 |
| Assets per employee ($millions) | 8.2219% | 1,191 |
| Cash dividends to net income (ytd only)* | 83.5420% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,199 |
| Loan loss allowance to noncurrent loans | 276.3918% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 1,484 |
| Noncurrent loans to loans | 0.4697% | 1,706 |
| Net loans and leases to total assets | 76.6295% | 672 |
| Net loans and leases to deposits | 85.3392% | 1,026 |
| Net loans and leases to core deposits | 88.7659% | 1,185 |
| Total domestic deposits to total assets | 89.7939% | 1,799 |
| Equity capital to assets | 7.1542% | 3,686 |
| Core capital (leverage) ratio | 8.0614% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9910% | 2,501 |
| Memoranda: | ||
| Average total assets | $1,050,191,667 | 935 |
| Average earning assets | $963,561,333 | 942 |
| Average equity | $83,964,333 | 1,114 |
| Average total loans | $802,289,333 | 803 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 1,558 |
| Cost of funding earning assets | 0.3740% | 1,030 |
| Net interest margin | 3.2074% | 1,863 |
| Noninterest income to average assets | 0.3741% | 2,849 |
| Noninterest expense to average assets | 2.0372% | 3,332 |
| Loan and lease loss provision to assets | -0.0304% | 4,479 |
| Net operating income to assets | 1.0777% | 1,595 |
| Return on assets (ROA) | 1.0805% | 1,577 |
| Pretax return on assets | 1.3183% | 1,451 |
| Return on Equity (ROE) | 12.8450% | 1,077 |
| Retained earnings to average equity (ytd only) | 8.5648% | 1,405 |
| Net charge-offs to loans | 0.0226% | 1,098 |
| Credit loss provision to net charge-offs | -177.7778% | 2,958 |
| Earnings coverage of net charge-offs (x) | 75.1556% | 773 |
| Efficiency ratio | 60.8964% | 3,385 |
| Assets per employee ($millions) | 7.5158% | 1,669 |
| Cash dividends to net income (ytd only)* | 33.3216% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,476 |
| Loan loss allowance to noncurrent loans | 239.6825% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 1,476 |
| Noncurrent loans to loans | 0.5320% | 1,702 |
| Net loans and leases to total assets | 75.5598% | 536 |
| Net loans and leases to deposits | 84.9428% | 812 |
| Net loans and leases to core deposits | 88.4848% | 994 |
| Total domestic deposits to total assets | 88.9538% | 2,107 |
| Equity capital to assets | 7.9395% | 3,615 |
| Core capital (leverage) ratio | 8.1840% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1119% | 2,571 |
| Memoranda: | ||
| Average total assets | $1,053,196,500 | 938 |
| Average earning assets | $967,874,500 | 944 |
| Average equity | $88,595,000 | 1,097 |
| Average total loans | $798,096,000 | 803 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 2,081 |
| Cost of funding earning assets | 0.5109% | 881 |
| Net interest margin | 3.2002% | 2,595 |
| Noninterest income to average assets | 0.4093% | 3,001 |
| Noninterest expense to average assets | 2.0532% | 3,521 |
| Loan and lease loss provision to assets | 0.1001% | 1,247 |
| Net operating income to assets | 0.9980% | 2,677 |
| Return on assets (ROA) | 1.0162% | 2,686 |
| Pretax return on assets | 1.2402% | 2,550 |
| Return on Equity (ROE) | 12.0181% | 1,811 |
| Retained earnings to average equity (ytd only) | 8.0069% | 1,542 |
| Net charge-offs to loans | 0.0317% | 1,606 |
| Credit loss provision to net charge-offs | 421.3439% | 888 |
| Earnings coverage of net charge-offs (x) | 55.4862% | 1,234 |
| Efficiency ratio | 60.3860% | 3,098 |
| Assets per employee ($millions) | 7.1228% | 1,844 |
| Cash dividends to net income (ytd only)* | 33.3765% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,298 |
| Loan loss allowance to noncurrent loans | 311.3541% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 1,967 |
| Noncurrent loans to loans | 0.4221% | 2,084 |
| Net loans and leases to total assets | 74.0367% | 664 |
| Net loans and leases to deposits | 84.9669% | 853 |
| Net loans and leases to core deposits | 89.0590% | 1,007 |
| Total domestic deposits to total assets | 87.1359% | 2,457 |
| Equity capital to assets | 8.8836% | 3,736 |
| Core capital (leverage) ratio | 7.9814% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1088% | 2,594 |
| Memoranda: | ||
| Average total assets | $1,064,947,400 | 918 |
| Average earning assets | $985,730,200 | 918 |
| Average equity | $90,047,200 | 1,101 |
| Average total loans | $798,409,400 | 796 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 2,252 |
| Cost of funding earning assets | 0.5326% | 903 |
| Net interest margin | 3.1763% | 2,806 |
| Noninterest income to average assets | 0.4115% | 3,027 |
| Noninterest expense to average assets | 2.0942% | 3,384 |
| Loan and lease loss provision to assets | 0.0812% | 1,461 |
| Net operating income to assets | 0.9728% | 3,007 |
| Return on assets (ROA) | 0.9923% | 3,020 |
| Pretax return on assets | 1.2039% | 2,914 |
| Return on Equity (ROE) | 11.8842% | 2,090 |
| Retained earnings to average equity (ytd only) | 7.8550% | 2,104 |
| Net charge-offs to loans | 0.0468% | 1,192 |
| Credit loss provision to net charge-offs | 231.3167% | 1,143 |
| Earnings coverage of net charge-offs (x) | 35.9395% | 1,437 |
| Efficiency ratio | 61.8691% | 2,721 |
| Assets per employee ($millions) | 7.0560% | 1,826 |
| Cash dividends to net income (ytd only)* | 33.9039% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,701 |
| Loan loss allowance to noncurrent loans | 330.6414% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 2,375 |
| Noncurrent loans to loans | 0.3800% | 2,420 |
| Net loans and leases to total assets | 72.4237% | 831 |
| Net loans and leases to deposits | 82.4209% | 1,076 |
| Net loans and leases to core deposits | 86.4197% | 1,267 |
| Total domestic deposits to total assets | 87.8705% | 1,922 |
| Equity capital to assets | 8.4357% | 4,253 |
| Core capital (leverage) ratio | 7.5987% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0570% | 2,691 |
| Memoranda: | ||
| Average total assets | $1,067,639,750 | 921 |
| Average earning assets | $989,527,500 | 923 |
| Average equity | $89,146,750 | 1,124 |
| Average total loans | $800,293,750 | 813 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 2,632 |
| Cost of funding earning assets | 0.5679% | 874 |
| Net interest margin | 3.0280% | 3,250 |
| Noninterest income to average assets | 0.3960% | 3,123 |
| Noninterest expense to average assets | 2.1024% | 3,379 |
| Loan and lease loss provision to assets | 0.0987% | 1,282 |
| Net operating income to assets | 0.8272% | 3,432 |
| Return on assets (ROA) | 0.8309% | 3,492 |
| Pretax return on assets | 1.0037% | 3,440 |
| Return on Equity (ROE) | 9.9858% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.7442% | 2,907 |
| Net charge-offs to loans | 0.0640% | 976 |
| Credit loss provision to net charge-offs | 204.2802% | 1,047 |
| Earnings coverage of net charge-offs (x) | 22.7198% | 1,481 |
| Efficiency ratio | 65.2350% | 2,266 |
| Assets per employee ($millions) | 7.3935% | 1,537 |
| Cash dividends to net income (ytd only)* | 42.4757% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,797 |
| Loan loss allowance to noncurrent loans | 284.5420% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 2,345 |
| Noncurrent loans to loans | 0.4304% | 2,390 |
| Net loans and leases to total assets | 72.1013% | 955 |
| Net loans and leases to deposits | 82.7924% | 1,142 |
| Net loans and leases to core deposits | 88.1911% | 1,255 |
| Total domestic deposits to total assets | 87.0869% | 2,271 |
| Equity capital to assets | 8.1535% | 4,455 |
| Core capital (leverage) ratio | 7.4367% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7394% | 2,795 |
| Memoranda: | ||
| Average total assets | $1,063,666,000 | 920 |
| Average earning assets | $985,087,000 | 919 |
| Average equity | $88,506,000 | 1,122 |
| Average total loans | $803,122,667 | 815 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 2,192 |
| Cost of funding earning assets | 0.5899% | 917 |
| Net interest margin | 3.1789% | 2,760 |
| Noninterest income to average assets | 0.3940% | 3,118 |
| Noninterest expense to average assets | 2.1599% | 3,236 |
| Loan and lease loss provision to assets | 0.1053% | 1,299 |
| Net operating income to assets | 0.8841% | 3,169 |
| Return on assets (ROA) | 0.8918% | 3,232 |
| Pretax return on assets | 1.0763% | 3,175 |
| Return on Equity (ROE) | 10.6047% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.8892% | 2,611 |
| Net charge-offs to loans | 0.0842% | 771 |
| Credit loss provision to net charge-offs | 162.7219% | 957 |
| Earnings coverage of net charge-offs (x) | 18.1183% | 1,283 |
| Efficiency ratio | 64.3686% | 2,425 |
| Assets per employee ($millions) | 6.7666% | 1,962 |
| Cash dividends to net income (ytd only)* | 35.0365% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,831 |
| Loan loss allowance to noncurrent loans | 266.5382% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 2,422 |
| Noncurrent loans to loans | 0.4570% | 2,484 |
| Net loans and leases to total assets | 73.9437% | 822 |
| Net loans and leases to deposits | 84.8115% | 1,066 |
| Net loans and leases to core deposits | 90.5406% | 1,195 |
| Total domestic deposits to total assets | 87.1859% | 2,236 |
| Equity capital to assets | 8.2424% | 4,332 |
| Core capital (leverage) ratio | 7.7387% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9649% | 2,684 |
| Memoranda: | ||
| Average total assets | $1,044,683,000 | 923 |
| Average earning assets | $965,602,500 | 922 |
| Average equity | $87,848,000 | 1,118 |
| Average total loans | $802,614,500 | 812 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 2,363 |
| Cost of funding earning assets | 0.8812% | 908 |
| Net interest margin | 3.2398% | 3,247 |
| Noninterest income to average assets | 0.3761% | 3,232 |
| Noninterest expense to average assets | 2.1736% | 3,748 |
| Loan and lease loss provision to assets | 0.3311% | 1,083 |
| Net operating income to assets | 0.6976% | 3,442 |
| Return on assets (ROA) | 0.7547% | 3,378 |
| Pretax return on assets | 0.9188% | 3,317 |
| Return on Equity (ROE) | 8.6236% | 2,543 |
| Retained earnings to average equity (ytd only) | 2.5817% | 3,556 |
| Net charge-offs to loans | 0.0285% | 2,465 |
| Credit loss provision to net charge-offs | 1,456.0538% | 572 |
| Earnings coverage of net charge-offs (x) | 51.9058% | 1,165 |
| Efficiency ratio | 64.3116% | 2,768 |
| Assets per employee ($millions) | 6.4188% | 1,981 |
| Cash dividends to net income (ytd only)* | 70.0621% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 3,041 |
| Loan loss allowance to noncurrent loans | 233.6016% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 2,282 |
| Noncurrent loans to loans | 0.5063% | 2,456 |
| Net loans and leases to total assets | 77.9368% | 608 |
| Net loans and leases to deposits | 89.5575% | 957 |
| Net loans and leases to core deposits | 95.8539% | 1,123 |
| Total domestic deposits to total assets | 87.0243% | 1,935 |
| Equity capital to assets | 8.5815% | 4,389 |
| Core capital (leverage) ratio | 7.5841% | 4,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7060% | 2,726 |
| Memoranda: | ||
| Average total assets | $980,756,600 | 897 |
| Average earning assets | $901,421,600 | 898 |
| Average equity | $85,834,200 | 1,088 |
| Average total loans | $781,268,600 | 798 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 2,760 |
| Cost of funding earning assets | 0.9309% | 959 |
| Net interest margin | 3.1387% | 3,649 |
| Noninterest income to average assets | 0.4022% | 3,067 |
| Noninterest expense to average assets | 2.2096% | 3,658 |
| Loan and lease loss provision to assets | 0.3635% | 1,024 |
| Net operating income to assets | 0.5854% | 3,813 |
| Return on assets (ROA) | 0.6563% | 3,708 |
| Pretax return on assets | 0.7969% | 3,656 |
| Return on Equity (ROE) | 7.4609% | 3,026 |
| Retained earnings to average equity (ytd only) | 0.8460% | 4,300 |
| Net charge-offs to loans | 0.0505% | 1,892 |
| Credit loss provision to net charge-offs | 901.7065% | 896 |
| Earnings coverage of net charge-offs (x) | 26.6416% | 1,690 |
| Efficiency ratio | 66.7756% | 2,351 |
| Assets per employee ($millions) | 6.5198% | 1,817 |
| Cash dividends to net income (ytd only)* | 88.6607% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,414 |
| Loan loss allowance to noncurrent loans | 213.9082% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,505 |
| Noncurrent loans to loans | 0.4952% | 2,576 |
| Net loans and leases to total assets | 80.7370% | 543 |
| Net loans and leases to deposits | 92.4562% | 1,037 |
| Net loans and leases to core deposits | 98.9356% | 1,251 |
| Total domestic deposits to total assets | 87.3246% | 1,530 |
| Equity capital to assets | 8.3828% | 4,530 |
| Core capital (leverage) ratio | 7.3633% | 4,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4490% | 2,806 |
| Memoranda: | ||
| Average total assets | $969,195,000 | 891 |
| Average earning assets | $889,701,500 | 898 |
| Average equity | $85,259,750 | 1,087 |
| Average total loans | $774,087,500 | 799 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 2,959 |
| Cost of funding earning assets | 0.9880% | 1,023 |
| Net interest margin | 3.1452% | 3,796 |
| Noninterest income to average assets | 0.3758% | 3,228 |
| Noninterest expense to average assets | 2.2747% | 3,591 |
| Loan and lease loss provision to assets | 0.3988% | 1,015 |
| Net operating income to assets | 0.4838% | 4,060 |
| Return on assets (ROA) | 0.5942% | 3,838 |
| Pretax return on assets | 0.7200% | 3,823 |
| Return on Equity (ROE) | 6.6411% | 3,269 |
| Retained earnings to average equity (ytd only) | -1.4088% | 4,527 |
| Net charge-offs to loans | 0.0769% | 1,479 |
| Credit loss provision to net charge-offs | 654.6713% | 1,047 |
| Earnings coverage of net charge-offs (x) | 16.1834% | 1,870 |
| Efficiency ratio | 69.2288% | 2,056 |
| Assets per employee ($millions) | 6.6973% | 1,637 |
| Cash dividends to net income (ytd only)* | 121.2132% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,549 |
| Loan loss allowance to noncurrent loans | 160.5470% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 2,191 |
| Noncurrent loans to loans | 0.6259% | 2,295 |
| Net loans and leases to total assets | 80.5420% | 531 |
| Net loans and leases to deposits | 92.5095% | 1,092 |
| Net loans and leases to core deposits | 99.1075% | 1,322 |
| Total domestic deposits to total assets | 87.0635% | 1,591 |
| Equity capital to assets | 8.5341% | 4,457 |
| Core capital (leverage) ratio | 7.4674% | 4,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7739% | 2,703 |
| Memoranda: | ||
| Average total assets | $948,881,667 | 893 |
| Average earning assets | $870,267,667 | 900 |
| Average equity | $84,895,000 | 1,090 |
| Average total loans | $751,915,000 | 806 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 3,178 |
| Cost of funding earning assets | 1.0275% | 1,306 |
| Net interest margin | 3.1842% | 3,900 |
| Noninterest income to average assets | 0.4163% | 2,996 |
| Noninterest expense to average assets | 2.3038% | 3,764 |
| Loan and lease loss provision to assets | 0.3427% | 898 |
| Net operating income to assets | 0.5632% | 3,700 |
| Return on assets (ROA) | 0.5876% | 3,692 |
| Pretax return on assets | 0.7118% | 3,645 |
| Return on Equity (ROE) | 6.4086% | 3,167 |
| Retained earnings to average equity (ytd only) | 0.9202% | 3,765 |
| Net charge-offs to loans | 0.0709% | 1,320 |
| Credit loss provision to net charge-offs | 618.7500% | 778 |
| Earnings coverage of net charge-offs (x) | 18.5078% | 1,467 |
| Efficiency ratio | 68.6598% | 2,562 |
| Assets per employee ($millions) | 5.9797% | 1,698 |
| Cash dividends to net income (ytd only)* | 85.6406% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 3,833 |
| Loan loss allowance to noncurrent loans | 235.4860% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 2,990 |
| Noncurrent loans to loans | 0.4132% | 3,012 |
| Net loans and leases to total assets | 78.2622% | 939 |
| Net loans and leases to deposits | 93.8671% | 1,092 |
| Net loans and leases to core deposits | 102.6308% | 1,272 |
| Total domestic deposits to total assets | 83.3755% | 2,991 |
| Equity capital to assets | 9.1028% | 4,534 |
| Core capital (leverage) ratio | 8.0966% | 4,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9923% | 2,701 |
| Memoranda: | ||
| Average total assets | $924,370,500 | 886 |
| Average earning assets | $845,553,000 | 894 |
| Average equity | $84,761,500 | 1,088 |
| Average total loans | $721,927,000 | 816 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 3,317 |
| Cost of funding earning assets | 0.9533% | 1,942 |
| Net interest margin | 3.4209% | 3,679 |
| Noninterest income to average assets | 0.4714% | 2,894 |
| Noninterest expense to average assets | 2.3690% | 3,776 |
| Loan and lease loss provision to assets | 0.0790% | 2,415 |
| Net operating income to assets | 0.9432% | 3,047 |
| Return on assets (ROA) | 0.9513% | 3,098 |
| Pretax return on assets | 1.1552% | 2,996 |
| Return on Equity (ROE) | 10.4666% | 2,099 |
| Retained earnings to average equity (ytd only) | 4.9113% | 2,469 |
| Net charge-offs to loans | 0.0948% | 1,781 |
| Credit loss provision to net charge-offs | 107.1964% | 2,318 |
| Earnings coverage of net charge-offs (x) | 16.6192% | 2,153 |
| Efficiency ratio | 65.3891% | 2,857 |
| Assets per employee ($millions) | 5.6518% | 1,925 |
| Cash dividends to net income (ytd only)* | 53.0764% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 3,819 |
| Loan loss allowance to noncurrent loans | 203.8557% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 2,889 |
| Noncurrent loans to loans | 0.4582% | 2,806 |
| Net loans and leases to total assets | 76.4173% | 1,339 |
| Net loans and leases to deposits | 88.3357% | 1,795 |
| Net loans and leases to core deposits | 96.6776% | 1,839 |
| Total domestic deposits to total assets | 86.5078% | 1,844 |
| Equity capital to assets | 9.2386% | 4,541 |
| Core capital (leverage) ratio | 8.1738% | 4,983 |
| Tier 1 risk-based capital ratio | 12.6164% | 4,000 |
| Total risk-based capital ratio | 13.7362% | 3,960 |
| Memoranda: | ||
| Average total assets | $905,483,400 | 872 |
| Average earning assets | $826,330,200 | 877 |
| Average equity | $82,299,800 | 1,066 |
| Average total loans | $703,563,800 | 805 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 3,408 |
| Cost of funding earning assets | 0.9138% | 2,167 |
| Net interest margin | 3.4715% | 3,657 |
| Noninterest income to average assets | 0.4873% | 2,813 |
| Noninterest expense to average assets | 2.3796% | 3,744 |
| Loan and lease loss provision to assets | 0.0450% | 3,008 |
| Net operating income to assets | 1.0081% | 2,953 |
| Return on assets (ROA) | 1.0152% | 3,005 |
| Pretax return on assets | 1.2381% | 2,861 |
| Return on Equity (ROE) | 11.2158% | 1,921 |
| Retained earnings to average equity (ytd only) | 5.5330% | 2,610 |
| Net charge-offs to loans | 0.0576% | 2,004 |
| Credit loss provision to net charge-offs | 100.3289% | 2,241 |
| Earnings coverage of net charge-offs (x) | 28.4344% | 1,687 |
| Efficiency ratio | 64.5834% | 2,926 |
| Assets per employee ($millions) | 5.8506% | 1,717 |
| Cash dividends to net income (ytd only)* | 50.6680% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,891 |
| Loan loss allowance to noncurrent loans | 121.2330% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 2,133 |
| Noncurrent loans to loans | 0.7725% | 2,038 |
| Net loans and leases to total assets | 73.5510% | 1,909 |
| Net loans and leases to deposits | 85.2067% | 2,301 |
| Net loans and leases to core deposits | 93.0883% | 2,258 |
| Total domestic deposits to total assets | 86.3207% | 1,858 |
| Equity capital to assets | 9.0032% | 4,779 |
| Core capital (leverage) ratio | 8.1326% | 5,082 |
| Tier 1 risk-based capital ratio | 12.6587% | 4,052 |
| Total risk-based capital ratio | 13.7847% | 3,993 |
| Memoranda: | ||
| Average total assets | $904,370,500 | 874 |
| Average earning assets | $824,976,500 | 872 |
| Average equity | $81,858,500 | 1,059 |
| Average total loans | $703,978,750 | 807 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 3,322 |
| Cost of funding earning assets | 0.8670% | 2,316 |
| Net interest margin | 3.5359% | 3,483 |
| Noninterest income to average assets | 0.4829% | 2,765 |
| Noninterest expense to average assets | 2.3632% | 3,838 |
| Loan and lease loss provision to assets | 0.1007% | 1,861 |
| Net operating income to assets | 1.0168% | 2,854 |
| Return on assets (ROA) | 1.0188% | 2,932 |
| Pretax return on assets | 1.2464% | 2,762 |
| Return on Equity (ROE) | 11.2348% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.4188% | 2,561 |
| Net charge-offs to loans | 0.1069% | 1,330 |
| Credit loss provision to net charge-offs | 119.0476% | 1,748 |
| Earnings coverage of net charge-offs (x) | 15.8968% | 1,962 |
| Efficiency ratio | 63.1925% | 3,257 |
| Assets per employee ($millions) | 5.5774% | 1,896 |
| Cash dividends to net income (ytd only)* | 51.7681% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,910 |
| Loan loss allowance to noncurrent loans | 100.5040% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 1,831 |
| Noncurrent loans to loans | 0.9373% | 1,741 |
| Net loans and leases to total assets | 76.5814% | 1,460 |
| Net loans and leases to deposits | 88.9786% | 1,865 |
| Net loans and leases to core deposits | 97.6727% | 1,911 |
| Total domestic deposits to total assets | 86.0672% | 1,998 |
| Equity capital to assets | 9.1840% | 4,668 |
| Core capital (leverage) ratio | 8.2175% | 5,104 |
| Tier 1 risk-based capital ratio | 12.5040% | 4,121 |
| Total risk-based capital ratio | 13.6478% | 4,062 |
| Memoranda: | ||
| Average total assets | $893,794,000 | 880 |
| Average earning assets | $815,186,330 | 884 |
| Average equity | $81,051,670 | 1,066 |
| Average total loans | $706,965,000 | 805 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 3,089 |
| Cost of funding earning assets | 0.8464% | 2,290 |
| Net interest margin | 3.5916% | 3,280 |
| Noninterest income to average assets | 0.4644% | 2,773 |
| Noninterest expense to average assets | 2.4250% | 3,703 |
| Loan and lease loss provision to assets | 0.0810% | 2,081 |
| Net operating income to assets | 1.0085% | 2,809 |
| Return on assets (ROA) | 1.0129% | 2,843 |
| Pretax return on assets | 1.2384% | 2,670 |
| Return on Equity (ROE) | 11.2428% | 1,845 |
| Retained earnings to average equity (ytd only) | 5.5839% | 2,651 |
| Net charge-offs to loans | 0.0276% | 1,904 |
| Credit loss provision to net charge-offs | 367.3469% | 736 |
| Earnings coverage of net charge-offs (x) | 59.5918% | 921 |
| Efficiency ratio | 64.3038% | 3,191 |
| Assets per employee ($millions) | 5.6684% | 1,824 |
| Cash dividends to net income (ytd only)* | 50.3332% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 4,004 |
| Loan loss allowance to noncurrent loans | 143.8570% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 2,234 |
| Noncurrent loans to loans | 0.6526% | 2,384 |
| Net loans and leases to total assets | 79.2250% | 959 |
| Net loans and leases to deposits | 92.2400% | 1,376 |
| Net loans and leases to core deposits | 100.6763% | 1,559 |
| Total domestic deposits to total assets | 85.8901% | 2,327 |
| Equity capital to assets | 9.1592% | 4,568 |
| Core capital (leverage) ratio | 8.1282% | 5,174 |
| Tier 1 risk-based capital ratio | 12.1221% | 4,397 |
| Total risk-based capital ratio | 13.2585% | 4,344 |
| Memoranda: | ||
| Average total assets | $888,922,500 | 886 |
| Average earning assets | $810,445,500 | 890 |
| Average equity | $80,087,000 | 1,071 |
| Average total loans | $711,187,000 | 795 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 3,229 |
| Cost of funding earning assets | 0.7061% | 2,055 |
| Net interest margin | 3.5586% | 3,518 |
| Noninterest income to average assets | 0.4555% | 3,076 |
| Noninterest expense to average assets | 2.9168% | 2,294 |
| Loan and lease loss provision to assets | 0.1622% | 1,256 |
| Net operating income to assets | 0.5633% | 4,514 |
| Return on assets (ROA) | 0.5613% | 4,523 |
| Pretax return on assets | 0.6489% | 4,535 |
| Return on Equity (ROE) | 6.6727% | 3,946 |
| Retained earnings to average equity (ytd only) | 1.6768% | 4,477 |
| Net charge-offs to loans | 0.1458% | 1,311 |
| Credit loss provision to net charge-offs | 142.3804% | 1,908 |
| Earnings coverage of net charge-offs (x) | 7.1390% | 3,012 |
| Efficiency ratio | 77.2900% | 1,204 |
| Assets per employee ($millions) | 5.4486% | 2,007 |
| Cash dividends to net income (ytd only)* | 74.8702% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,116 |
| Loan loss allowance to noncurrent loans | 167.8185% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 2,545 |
| Noncurrent loans to loans | 0.5422% | 2,649 |
| Net loans and leases to total assets | 79.3066% | 1,050 |
| Net loans and leases to deposits | 93.0386% | 1,395 |
| Net loans and leases to core deposits | 101.1650% | 1,631 |
| Total domestic deposits to total assets | 85.2405% | 2,536 |
| Equity capital to assets | 8.8613% | 4,683 |
| Core capital (leverage) ratio | 7.9526% | 5,252 |
| Tier 1 risk-based capital ratio | 11.8235% | 4,551 |
| Total risk-based capital ratio | 12.9253% | 4,522 |
| Memoranda: | ||
| Average total assets | $789,017,200 | 961 |
| Average earning assets | $726,076,200 | 962 |
| Average equity | $66,375,200 | 1,217 |
| Average total loans | $616,576,600 | 870 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,441 |
| Cost of funding earning assets | 0.6681% | 2,044 |
| Net interest margin | 3.4881% | 3,736 |
| Noninterest income to average assets | 0.5091% | 2,814 |
| Noninterest expense to average assets | 2.6343% | 3,187 |
| Loan and lease loss provision to assets | 0.1713% | 1,087 |
| Net operating income to assets | 0.7663% | 4,025 |
| Return on assets (ROA) | 0.7639% | 4,041 |
| Pretax return on assets | 0.9127% | 3,977 |
| Return on Equity (ROE) | 9.2251% | 2,987 |
| Retained earnings to average equity (ytd only) | 4.6411% | 3,427 |
| Net charge-offs to loans | 0.1683% | 984 |
| Credit loss provision to net charge-offs | 131.1914% | 1,881 |
| Earnings coverage of net charge-offs (x) | 8.3239% | 2,723 |
| Efficiency ratio | 69.8417% | 2,218 |
| Assets per employee ($millions) | 5.5157% | 1,902 |
| Cash dividends to net income (ytd only)* | 49.6912% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,400 |
| Loan loss allowance to noncurrent loans | 115.8681% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 1,891 |
| Noncurrent loans to loans | 0.9170% | 1,868 |
| Net loans and leases to total assets | 76.6960% | 1,556 |
| Net loans and leases to deposits | 86.7705% | 2,285 |
| Net loans and leases to core deposits | 92.1533% | 2,469 |
| Total domestic deposits to total assets | 88.3895% | 1,088 |
| Equity capital to assets | 8.2349% | 5,067 |
| Core capital (leverage) ratio | 7.9022% | 5,336 |
| Tier 1 risk-based capital ratio | 11.9663% | 4,520 |
| Total risk-based capital ratio | 13.2164% | 4,404 |
| Memoranda: | ||
| Average total assets | $762,878,000 | 984 |
| Average earning assets | $702,480,750 | 981 |
| Average equity | $63,173,500 | 1,263 |
| Average total loans | $591,928,000 | 902 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 3,371 |
| Cost of funding earning assets | 0.6456% | 1,953 |
| Net interest margin | 3.4778% | 3,708 |
| Noninterest income to average assets | 0.4907% | 2,909 |
| Noninterest expense to average assets | 2.5355% | 3,534 |
| Loan and lease loss provision to assets | 0.1790% | 1,005 |
| Net operating income to assets | 0.8144% | 3,808 |
| Return on assets (ROA) | 0.8116% | 3,822 |
| Pretax return on assets | 0.9774% | 3,728 |
| Return on Equity (ROE) | 9.7819% | 2,670 |
| Retained earnings to average equity (ytd only) | 5.2257% | 2,968 |
| Net charge-offs to loans | 0.2337% | 685 |
| Credit loss provision to net charge-offs | 98.6938% | 2,078 |
| Earnings coverage of net charge-offs (x) | 6.3948% | 2,635 |
| Efficiency ratio | 67.6450% | 2,705 |
| Assets per employee ($millions) | 5.4556% | 1,936 |
| Cash dividends to net income (ytd only)* | 46.5780% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,641 |
| Loan loss allowance to noncurrent loans | 204.8895% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 2,801 |
| Noncurrent loans to loans | 0.5032% | 2,912 |
| Net loans and leases to total assets | 75.8048% | 1,668 |
| Net loans and leases to deposits | 85.6106% | 2,360 |
| Net loans and leases to core deposits | 90.8964% | 2,499 |
| Total domestic deposits to total assets | 88.5460% | 1,126 |
| Equity capital to assets | 8.1944% | 5,139 |
| Core capital (leverage) ratio | 7.8735% | 5,378 |
| Tier 1 risk-based capital ratio | 12.0289% | 4,477 |
| Total risk-based capital ratio | 13.2599% | 4,364 |
| Memoranda: | ||
| Average total assets | $759,771,330 | 987 |
| Average earning assets | $700,088,670 | 989 |
| Average equity | $63,034,670 | 1,269 |
| Average total loans | $589,702,330 | 907 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 3,455 |
| Cost of funding earning assets | 0.6249% | 1,880 |
| Net interest margin | 3.4179% | 3,827 |
| Noninterest income to average assets | 0.4854% | 2,895 |
| Noninterest expense to average assets | 2.4299% | 3,864 |
| Loan and lease loss provision to assets | 0.2020% | 826 |
| Net operating income to assets | 0.8308% | 3,591 |
| Return on assets (ROA) | 0.8247% | 3,625 |
| Pretax return on assets | 0.9927% | 3,558 |
| Return on Equity (ROE) | 9.8773% | 2,498 |
| Retained earnings to average equity (ytd only) | 2.9613% | 4,013 |
| Net charge-offs to loans | 0.3892% | 401 |
| Credit loss provision to net charge-offs | 66.4336% | 1,861 |
| Earnings coverage of net charge-offs (x) | 3.9528% | 2,343 |
| Efficiency ratio | 65.8908% | 3,180 |
| Assets per employee ($millions) | 5.6796% | 1,782 |
| Cash dividends to net income (ytd only)* | 70.0193% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,925 |
| Loan loss allowance to noncurrent loans | 161.7166% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 2,538 |
| Noncurrent loans to loans | 0.6211% | 2,678 |
| Net loans and leases to total assets | 77.4346% | 1,323 |
| Net loans and leases to deposits | 87.7026% | 1,969 |
| Net loans and leases to core deposits | 93.1348% | 2,198 |
| Total domestic deposits to total assets | 88.2922% | 1,466 |
| Equity capital to assets | 8.2787% | 5,119 |
| Core capital (leverage) ratio | 7.9168% | 5,410 |
| Tier 1 risk-based capital ratio | 11.7654% | 4,704 |
| Total risk-based capital ratio | 12.9585% | 4,623 |
| Memoranda: | ||
| Average total assets | $752,308,000 | 1,004 |
| Average earning assets | $692,597,000 | 1,002 |
| Average equity | $62,811,000 | 1,278 |
| Average total loans | $587,865,500 | 911 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,633 |
| Cost of funding earning assets | 0.6249% | 1,436 |
| Net interest margin | 3.3055% | 4,146 |
| Noninterest income to average assets | 0.7003% | 1,961 |
| Noninterest expense to average assets | 2.6162% | 3,392 |
| Loan and lease loss provision to assets | 0.1236% | 1,853 |
| Net operating income to assets | 0.6686% | 3,734 |
| Return on assets (ROA) | 0.6383% | 3,894 |
| Pretax return on assets | 0.9524% | 3,727 |
| Return on Equity (ROE) | 7.6069% | 2,994 |
| Retained earnings to average equity (ytd only) | 2.4878% | 3,839 |
| Net charge-offs to loans | 0.0577% | 2,655 |
| Credit loss provision to net charge-offs | 281.3084% | 999 |
| Earnings coverage of net charge-offs (x) | 25.5140% | 1,711 |
| Efficiency ratio | 69.1000% | 2,682 |
| Assets per employee ($millions) | 5.4688% | 1,969 |
| Cash dividends to net income (ytd only)* | 67.2957% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,644 |
| Loan loss allowance to noncurrent loans | 165.9534% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 2,680 |
| Noncurrent loans to loans | 0.6313% | 2,639 |
| Net loans and leases to total assets | 77.2445% | 1,383 |
| Net loans and leases to deposits | 88.3787% | 1,974 |
| Net loans and leases to core deposits | 93.9739% | 2,199 |
| Total domestic deposits to total assets | 87.4017% | 1,814 |
| Equity capital to assets | 8.4201% | 5,176 |
| Core capital (leverage) ratio | 7.7149% | 5,516 |
| Tier 1 risk-based capital ratio | 11.7262% | 4,699 |
| Total risk-based capital ratio | 12.9642% | 4,590 |
| Memoranda: | ||
| Average total assets | $730,500,800 | 1,004 |
| Average earning assets | $671,154,000 | 1,010 |
| Average equity | $61,299,800 | 1,289 |
| Average total loans | $556,602,800 | 928 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 3,814 |
| Cost of funding earning assets | 0.6007% | 1,526 |
| Net interest margin | 3.2542% | 4,313 |
| Noninterest income to average assets | 0.7526% | 1,774 |
| Noninterest expense to average assets | 2.6382% | 3,292 |
| Loan and lease loss provision to assets | 0.1163% | 1,859 |
| Net operating income to assets | 0.7711% | 3,642 |
| Return on assets (ROA) | 0.7245% | 3,914 |
| Pretax return on assets | 0.9269% | 3,945 |
| Return on Equity (ROE) | 8.6413% | 2,791 |
| Retained earnings to average equity (ytd only) | 3.6524% | 3,751 |
| Net charge-offs to loans | 0.0577% | 2,300 |
| Credit loss provision to net charge-offs | 265.9664% | 1,082 |
| Earnings coverage of net charge-offs (x) | 25.2265% | 1,737 |
| Efficiency ratio | 69.6504% | 2,590 |
| Assets per employee ($millions) | 6.0385% | 1,465 |
| Cash dividends to net income (ytd only)* | 57.7331% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,946 |
| Loan loss allowance to noncurrent loans | 159.2493% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 2,910 |
| Noncurrent loans to loans | 0.6413% | 2,791 |
| Net loans and leases to total assets | 74.4878% | 1,840 |
| Net loans and leases to deposits | 86.8525% | 2,202 |
| Net loans and leases to core deposits | 92.3423% | 2,406 |
| Total domestic deposits to total assets | 85.7635% | 2,402 |
| Equity capital to assets | 8.2617% | 5,414 |
| Core capital (leverage) ratio | 7.8181% | 5,566 |
| Tier 1 risk-based capital ratio | 11.2268% | 5,121 |
| Total risk-based capital ratio | 12.3924% | 5,059 |
| Memoranda: | ||
| Average total assets | $725,818,750 | 1,018 |
| Average earning assets | $666,574,500 | 1,025 |
| Average equity | $60,853,250 | 1,308 |
| Average total loans | $549,537,250 | 939 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 3,662 |
| Cost of funding earning assets | 0.5929% | 1,494 |
| Net interest margin | 3.2742% | 4,195 |
| Noninterest income to average assets | 0.5222% | 2,884 |
| Noninterest expense to average assets | 2.5514% | 3,577 |
| Loan and lease loss provision to assets | 0.1022% | 1,980 |
| Net operating income to assets | 0.6676% | 3,993 |
| Return on assets (ROA) | 0.5971% | 4,363 |
| Pretax return on assets | 0.7802% | 4,341 |
| Return on Equity (ROE) | 7.0841% | 3,512 |
| Retained earnings to average equity (ytd only) | 2.4694% | 4,209 |
| Net charge-offs to loans | 0.0523% | 2,174 |
| Credit loss provision to net charge-offs | 257.4468% | 1,059 |
| Earnings coverage of net charge-offs (x) | 24.5248% | 1,637 |
| Efficiency ratio | 71.4229% | 2,450 |
| Assets per employee ($millions) | 5.6609% | 1,740 |
| Cash dividends to net income (ytd only)* | 65.1415% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,886 |
| Loan loss allowance to noncurrent loans | 189.3924% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,346 |
| Noncurrent loans to loans | 0.5511% | 3,086 |
| Net loans and leases to total assets | 74.2975% | 1,811 |
| Net loans and leases to deposits | 86.8630% | 2,126 |
| Net loans and leases to core deposits | 92.7602% | 2,275 |
| Total domestic deposits to total assets | 85.5342% | 2,597 |
| Equity capital to assets | 8.3196% | 5,402 |
| Core capital (leverage) ratio | 7.7766% | 5,594 |
| Tier 1 risk-based capital ratio | 11.2869% | 5,098 |
| Total risk-based capital ratio | 12.4748% | 5,018 |
| Memoranda: | ||
| Average total assets | $710,116,000 | 1,036 |
| Average earning assets | $651,343,330 | 1,041 |
| Average equity | $59,852,000 | 1,321 |
| Average total loans | $538,824,330 | 955 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 3,542 |
| Cost of funding earning assets | 0.5884% | 1,451 |
| Net interest margin | 3.2745% | 4,103 |
| Noninterest income to average assets | 0.4819% | 3,097 |
| Noninterest expense to average assets | 2.5754% | 3,574 |
| Loan and lease loss provision to assets | 0.0929% | 1,987 |
| Net operating income to assets | 0.6190% | 4,070 |
| Return on assets (ROA) | 0.6190% | 4,124 |
| Pretax return on assets | 0.8118% | 4,068 |
| Return on Equity (ROE) | 7.2948% | 3,270 |
| Retained earnings to average equity (ytd only) | 0.6625% | 4,756 |
| Net charge-offs to loans | 0.0143% | 2,513 |
| Credit loss provision to net charge-offs | 852.6316% | 368 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 637 |
| Efficiency ratio | 73.0135% | 2,404 |
| Assets per employee ($millions) | 5.3762% | 2,001 |
| Cash dividends to net income (ytd only)* | 90.9175% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,978 |
| Loan loss allowance to noncurrent loans | 183.0116% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 3,332 |
| Noncurrent loans to loans | 0.5735% | 3,086 |
| Net loans and leases to total assets | 76.1352% | 1,395 |
| Net loans and leases to deposits | 88.4397% | 1,735 |
| Net loans and leases to core deposits | 94.2816% | 1,960 |
| Total domestic deposits to total assets | 86.0870% | 2,629 |
| Equity capital to assets | 8.4279% | 5,288 |
| Core capital (leverage) ratio | 7.7514% | 5,649 |
| Tier 1 risk-based capital ratio | 11.1910% | 5,211 |
| Total risk-based capital ratio | 12.3892% | 5,132 |
| Memoranda: | ||
| Average total assets | $697,217,000 | 1,058 |
| Average earning assets | $638,393,500 | 1,063 |
| Average equity | $59,165,500 | 1,331 |
| Average total loans | $531,970,000 | 966 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8793% | 3,648 |
| Cost of funding earning assets | 0.6162% | 1,230 |
| Net interest margin | 3.2631% | 4,252 |
| Noninterest income to average assets | 0.5231% | 3,080 |
| Noninterest expense to average assets | 2.5782% | 3,747 |
| Loan and lease loss provision to assets | 0.0707% | 2,946 |
| Net operating income to assets | 0.6550% | 3,978 |
| Return on assets (ROA) | 0.6643% | 4,049 |
| Pretax return on assets | 0.8838% | 3,896 |
| Return on Equity (ROE) | 7.7002% | 3,115 |
| Retained earnings to average equity (ytd only) | 2.1713% | 4,296 |
| Net charge-offs to loans | 0.0256% | 3,525 |
| Credit loss provision to net charge-offs | 374.1935% | 839 |
| Earnings coverage of net charge-offs (x) | 49.8790% | 1,009 |
| Efficiency ratio | 72.2636% | 2,555 |
| Assets per employee ($millions) | 5.2684% | 2,096 |
| Cash dividends to net income (ytd only)* | 71.8019% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 3,938 |
| Loan loss allowance to noncurrent loans | 166.9678% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 3,172 |
| Noncurrent loans to loans | 0.6361% | 2,948 |
| Net loans and leases to total assets | 74.8387% | 1,714 |
| Net loans and leases to deposits | 88.2722% | 1,888 |
| Net loans and leases to core deposits | 92.8096% | 2,226 |
| Total domestic deposits to total assets | 84.7817% | 3,138 |
| Equity capital to assets | 8.5452% | 5,238 |
| Core capital (leverage) ratio | 7.8357% | 5,672 |
| Tier 1 risk-based capital ratio | 11.4874% | 5,063 |
| Total risk-based capital ratio | 12.6903% | 4,989 |
| Memoranda: | ||
| Average total assets | $656,615,000 | 1,084 |
| Average earning assets | $603,080,000 | 1,081 |
| Average equity | $56,647,600 | 1,361 |
| Average total loans | $483,646,400 | 1,002 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 3,702 |
| Cost of funding earning assets | 0.6240% | 1,176 |
| Net interest margin | 3.2445% | 4,365 |
| Noninterest income to average assets | 0.5214% | 3,104 |
| Noninterest expense to average assets | 2.5900% | 3,700 |
| Loan and lease loss provision to assets | 0.0967% | 2,293 |
| Net operating income to assets | 0.6143% | 4,236 |
| Return on assets (ROA) | 0.6271% | 4,299 |
| Pretax return on assets | 0.8357% | 4,201 |
| Return on Equity (ROE) | 7.2508% | 3,425 |
| Retained earnings to average equity (ytd only) | 1.9619% | 4,706 |
| Net charge-offs to loans | 0.0453% | 2,741 |
| Credit loss provision to net charge-offs | 291.9255% | 1,060 |
| Earnings coverage of net charge-offs (x) | 27.6399% | 1,561 |
| Efficiency ratio | 72.9198% | 2,447 |
| Assets per employee ($millions) | 5.2018% | 2,144 |
| Cash dividends to net income (ytd only)* | 72.9420% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 4,015 |
| Loan loss allowance to noncurrent loans | 165.6353% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 3,421 |
| Noncurrent loans to loans | 0.6467% | 3,082 |
| Net loans and leases to total assets | 73.6068% | 1,937 |
| Net loans and leases to deposits | 85.9068% | 2,274 |
| Net loans and leases to core deposits | 90.7410% | 2,504 |
| Total domestic deposits to total assets | 85.6821% | 2,522 |
| Equity capital to assets | 8.7461% | 5,366 |
| Core capital (leverage) ratio | 7.6907% | 5,789 |
| Tier 1 risk-based capital ratio | 11.4781% | 5,099 |
| Total risk-based capital ratio | 12.6820% | 5,032 |
| Memoranda: | ||
| Average total assets | $648,230,000 | 1,099 |
| Average earning assets | $596,150,500 | 1,097 |
| Average equity | $56,065,750 | 1,379 |
| Average total loans | $474,046,000 | 1,020 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 3,801 |
| Cost of funding earning assets | 0.6122% | 1,232 |
| Net interest margin | 3.2301% | 4,443 |
| Noninterest income to average assets | 0.4980% | 3,207 |
| Noninterest expense to average assets | 2.5956% | 3,738 |
| Loan and lease loss provision to assets | 0.0953% | 2,250 |
| Net operating income to assets | 0.5781% | 4,362 |
| Return on assets (ROA) | 0.5974% | 4,403 |
| Pretax return on assets | 0.8076% | 4,256 |
| Return on Equity (ROE) | 6.9360% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.1141% | 4,513 |
| Net charge-offs to loans | 0.0330% | 2,792 |
| Credit loss provision to net charge-offs | 397.3684% | 782 |
| Earnings coverage of net charge-offs (x) | 36.5526% | 1,225 |
| Efficiency ratio | 73.7957% | 2,390 |
| Assets per employee ($millions) | 5.2317% | 2,055 |
| Cash dividends to net income (ytd only)* | 69.5193% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 4,081 |
| Loan loss allowance to noncurrent loans | 166.1058% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 3,566 |
| Noncurrent loans to loans | 0.6471% | 3,135 |
| Net loans and leases to total assets | 71.8180% | 2,203 |
| Net loans and leases to deposits | 83.6959% | 2,503 |
| Net loans and leases to core deposits | 88.2963% | 2,699 |
| Total domestic deposits to total assets | 85.8083% | 2,516 |
| Equity capital to assets | 8.6836% | 5,496 |
| Core capital (leverage) ratio | 7.6755% | 5,844 |
| Tier 1 risk-based capital ratio | 11.6353% | 5,068 |
| Total risk-based capital ratio | 12.8439% | 4,992 |
| Memoranda: | ||
| Average total assets | $633,693,330 | 1,120 |
| Average earning assets | $583,516,670 | 1,120 |
| Average equity | $54,584,670 | 1,418 |
| Average total loans | $460,476,330 | 1,053 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 3,782 |
| Cost of funding earning assets | 0.5983% | 1,346 |
| Net interest margin | 3.2473% | 4,407 |
| Noninterest income to average assets | 0.4972% | 3,137 |
| Noninterest expense to average assets | 2.5840% | 3,800 |
| Loan and lease loss provision to assets | 0.1201% | 1,754 |
| Net operating income to assets | 0.5705% | 4,316 |
| Return on assets (ROA) | 0.5715% | 4,419 |
| Pretax return on assets | 0.7879% | 4,234 |
| Return on Equity (ROE) | 6.6659% | 3,632 |
| Retained earnings to average equity (ytd only) | 1.5716% | 4,640 |
| Net charge-offs to loans | 0.0310% | 2,330 |
| Credit loss provision to net charge-offs | 532.3529% | 579 |
| Earnings coverage of net charge-offs (x) | 40.1765% | 1,006 |
| Efficiency ratio | 73.0937% | 2,623 |
| Assets per employee ($millions) | 5.3185% | 2,013 |
| Cash dividends to net income (ytd only)* | 76.4228% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 3,391 |
| Loan loss allowance to noncurrent loans | 165.7993% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 3,393 |
| Noncurrent loans to loans | 0.7333% | 3,000 |
| Net loans and leases to total assets | 71.7172% | 2,085 |
| Net loans and leases to deposits | 85.1178% | 2,181 |
| Net loans and leases to core deposits | 89.4553% | 2,422 |
| Total domestic deposits to total assets | 84.2564% | 3,421 |
| Equity capital to assets | 8.6113% | 5,482 |
| Core capital (leverage) ratio | 8.6179% | 5,274 |
| Tier 1 risk-based capital ratio | 12.7866% | 4,410 |
| Total risk-based capital ratio | 14.0384% | 4,314 |
| Memoranda: | ||
| Average total assets | $602,629,500 | 1,171 |
| Average earning assets | $555,535,500 | 1,167 |
| Average equity | $51,666,000 | 1,489 |
| Average total loans | $438,137,000 | 1,107 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 4,119 |
| Cost of funding earning assets | 0.5083% | 2,089 |
| Net interest margin | 3.2665% | 4,417 |
| Noninterest income to average assets | 0.5290% | 3,144 |
| Noninterest expense to average assets | 2.6145% | 3,869 |
| Loan and lease loss provision to assets | 0.0647% | 2,996 |
| Net operating income to assets | 0.6729% | 3,936 |
| Return on assets (ROA) | 0.7465% | 3,686 |
| Pretax return on assets | 0.9617% | 3,607 |
| Return on Equity (ROE) | 8.6602% | 2,643 |
| Retained earnings to average equity (ytd only) | 3.2837% | 3,716 |
| Net charge-offs to loans | 0.0987% | 2,431 |
| Credit loss provision to net charge-offs | 95.4887% | 2,648 |
| Earnings coverage of net charge-offs (x) | 13.7644% | 2,350 |
| Efficiency ratio | 72.7869% | 2,774 |
| Assets per employee ($millions) | 4.9095% | 2,460 |
| Cash dividends to net income (ytd only)* | 62.0823% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 3,525 |
| Loan loss allowance to noncurrent loans | 169.5992% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 3,484 |
| Noncurrent loans to loans | 0.7037% | 3,085 |
| Net loans and leases to total assets | 71.9408% | 2,064 |
| Net loans and leases to deposits | 87.9144% | 1,885 |
| Net loans and leases to core deposits | 92.0930% | 2,208 |
| Total domestic deposits to total assets | 81.8305% | 4,214 |
| Equity capital to assets | 8.5350% | 5,535 |
| Core capital (leverage) ratio | 8.8318% | 5,074 |
| Tier 1 risk-based capital ratio | 12.7405% | 4,485 |
| Total risk-based capital ratio | 13.9921% | 4,391 |
| Memoranda: | ||
| Average total assets | $589,252,600 | 1,160 |
| Average earning assets | $544,350,000 | 1,162 |
| Average equity | $50,795,800 | 1,460 |
| Average total loans | $404,224,600 | 1,144 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7768% | 4,167 |
| Cost of funding earning assets | 0.5086% | 2,133 |
| Net interest margin | 3.2681% | 4,462 |
| Noninterest income to average assets | 0.5342% | 3,140 |
| Noninterest expense to average assets | 2.5995% | 3,884 |
| Loan and lease loss provision to assets | 0.0611% | 2,958 |
| Net operating income to assets | 0.6936% | 3,926 |
| Return on assets (ROA) | 0.7941% | 3,545 |
| Pretax return on assets | 1.0245% | 3,524 |
| Return on Equity (ROE) | 9.1885% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.9916% | 2,254 |
| Net charge-offs to loans | 0.1390% | 1,738 |
| Credit loss provision to net charge-offs | 65.1332% | 2,841 |
| Earnings coverage of net charge-offs (x) | 10.1962% | 2,618 |
| Efficiency ratio | 72.1633% | 2,848 |
| Assets per employee ($millions) | 4.7571% | 2,612 |
| Cash dividends to net income (ytd only)* | 34.7925% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 3,473 |
| Loan loss allowance to noncurrent loans | 100.9340% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 2,635 |
| Noncurrent loans to loans | 1.2199% | 2,095 |
| Net loans and leases to total assets | 70.2006% | 2,359 |
| Net loans and leases to deposits | 80.6223% | 2,807 |
| Net loans and leases to core deposits | 84.9476% | 2,957 |
| Total domestic deposits to total assets | 87.0735% | 1,998 |
| Equity capital to assets | 9.0624% | 5,253 |
| Core capital (leverage) ratio | 8.8360% | 5,196 |
| Tier 1 risk-based capital ratio | 13.7647% | 3,986 |
| Total risk-based capital ratio | 15.0175% | 3,922 |
| Memoranda: | ||
| Average total assets | $586,827,250 | 1,168 |
| Average earning assets | $542,639,000 | 1,165 |
| Average equity | $50,714,500 | 1,470 |
| Average total loans | $396,256,500 | 1,168 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,184 |
| Cost of funding earning assets | 0.5075% | 2,182 |
| Net interest margin | 3.2603% | 4,449 |
| Noninterest income to average assets | 0.5219% | 3,213 |
| Noninterest expense to average assets | 2.6018% | 3,903 |
| Loan and lease loss provision to assets | 0.1260% | 1,758 |
| Net operating income to assets | 0.6374% | 4,185 |
| Return on assets (ROA) | 0.6465% | 4,244 |
| Pretax return on assets | 0.8224% | 4,240 |
| Return on Equity (ROE) | 7.6027% | 3,260 |
| Retained earnings to average equity (ytd only) | 4.7956% | 2,993 |
| Net charge-offs to loans | 0.1146% | 1,859 |
| Credit loss provision to net charge-offs | 165.6250% | 1,436 |
| Earnings coverage of net charge-offs (x) | 12.3170% | 2,215 |
| Efficiency ratio | 72.5842% | 2,912 |
| Assets per employee ($millions) | 4.7813% | 2,570 |
| Cash dividends to net income (ytd only)* | 36.9223% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 3,073 |
| Loan loss allowance to noncurrent loans | 98.4418% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 2,601 |
| Noncurrent loans to loans | 1.3523% | 1,993 |
| Net loans and leases to total assets | 66.5953% | 2,850 |
| Net loans and leases to deposits | 77.0910% | 3,148 |
| Net loans and leases to core deposits | 80.9834% | 3,283 |
| Total domestic deposits to total assets | 86.3852% | 2,494 |
| Equity capital to assets | 8.5559% | 5,635 |
| Core capital (leverage) ratio | 8.5641% | 5,475 |
| Tier 1 risk-based capital ratio | 13.5326% | 4,196 |
| Total risk-based capital ratio | 14.7861% | 4,131 |
| Memoranda: | ||
| Average total assets | $588,981,670 | 1,165 |
| Average earning assets | $544,980,330 | 1,158 |
| Average equity | $50,087,670 | 1,496 |
| Average total loans | $390,842,670 | 1,181 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 4,325 |
| Cost of funding earning assets | 0.5138% | 2,167 |
| Net interest margin | 3.1967% | 4,625 |
| Noninterest income to average assets | 0.5125% | 3,208 |
| Noninterest expense to average assets | 2.6019% | 3,909 |
| Loan and lease loss provision to assets | 0.1156% | 1,784 |
| Net operating income to assets | 0.6048% | 4,269 |
| Return on assets (ROA) | 0.6048% | 4,363 |
| Pretax return on assets | 0.7574% | 4,398 |
| Return on Equity (ROE) | 7.1343% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.0660% | 4,643 |
| Net charge-offs to loans | 0.0541% | 2,233 |
| Credit loss provision to net charge-offs | 325.0000% | 770 |
| Earnings coverage of net charge-offs (x) | 24.5385% | 1,291 |
| Efficiency ratio | 73.9122% | 2,834 |
| Assets per employee ($millions) | 5.0328% | 2,312 |
| Cash dividends to net income (ytd only)* | 71.0407% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 2,943 |
| Loan loss allowance to noncurrent loans | 71.4668% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.3117% | 2,027 |
| Noncurrent loans to loans | 1.9515% | 1,360 |
| Net loans and leases to total assets | 64.1179% | 3,076 |
| Net loans and leases to deposits | 73.1432% | 3,407 |
| Net loans and leases to core deposits | 76.9921% | 3,491 |
| Total domestic deposits to total assets | 87.6609% | 2,005 |
| Equity capital to assets | 8.5009% | 5,741 |
| Core capital (leverage) ratio | 8.4339% | 5,591 |
| Tier 1 risk-based capital ratio | 13.5213% | 4,315 |
| Total risk-based capital ratio | 14.7755% | 4,227 |
| Memoranda: | ||
| Average total assets | $584,639,000 | 1,177 |
| Average earning assets | $541,802,000 | 1,177 |
| Average equity | $49,563,500 | 1,518 |
| Average total loans | $384,570,000 | 1,205 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 4,204 |
| Cost of funding earning assets | 0.5631% | 2,117 |
| Net interest margin | 3.3179% | 4,517 |
| Noninterest income to average assets | 0.5770% | 3,006 |
| Noninterest expense to average assets | 2.6838% | 3,926 |
| Loan and lease loss provision to assets | 0.1191% | 2,190 |
| Net operating income to assets | 0.6725% | 4,022 |
| Return on assets (ROA) | 0.7790% | 3,566 |
| Pretax return on assets | 0.9813% | 3,572 |
| Return on Equity (ROE) | 9.2319% | 2,469 |
| Retained earnings to average equity (ytd only) | 5.3491% | 2,370 |
| Net charge-offs to loans | 0.0860% | 3,264 |
| Credit loss provision to net charge-offs | 212.0253% | 1,165 |
| Earnings coverage of net charge-offs (x) | 17.1899% | 1,950 |
| Efficiency ratio | 72.4877% | 3,123 |
| Assets per employee ($millions) | 4.8370% | 2,547 |
| Cash dividends to net income (ytd only)* | 42.0584% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 3,165 |
| Loan loss allowance to noncurrent loans | 75.2485% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 2,341 |
| Noncurrent loans to loans | 1.7970% | 1,603 |
| Net loans and leases to total assets | 65.6444% | 2,957 |
| Net loans and leases to deposits | 75.9055% | 3,209 |
| Net loans and leases to core deposits | 80.3480% | 3,253 |
| Total domestic deposits to total assets | 86.4817% | 2,577 |
| Equity capital to assets | 8.4540% | 5,789 |
| Core capital (leverage) ratio | 8.2470% | 5,823 |
| Tier 1 risk-based capital ratio | 13.5819% | 4,359 |
| Total risk-based capital ratio | 14.8445% | 4,290 |
| Memoranda: | ||
| Average total assets | $562,530,400 | 1,176 |
| Average earning assets | $520,909,600 | 1,171 |
| Average equity | $47,465,800 | 1,520 |
| Average total loans | $367,549,200 | 1,201 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 4,668 |
| Cost of funding earning assets | 0.5723% | 2,086 |
| Net interest margin | 3.1914% | 4,998 |
| Noninterest income to average assets | 0.5739% | 3,040 |
| Noninterest expense to average assets | 2.7003% | 3,823 |
| Loan and lease loss provision to assets | 0.1214% | 2,055 |
| Net operating income to assets | 0.5681% | 4,602 |
| Return on assets (ROA) | 0.7110% | 3,986 |
| Pretax return on assets | 0.8859% | 4,050 |
| Return on Equity (ROE) | 8.4307% | 2,974 |
| Retained earnings to average equity (ytd only) | 4.5270% | 3,429 |
| Net charge-offs to loans | 0.0908% | 2,917 |
| Credit loss provision to net charge-offs | 205.6680% | 1,236 |
| Earnings coverage of net charge-offs (x) | 14.0403% | 2,173 |
| Efficiency ratio | 75.3825% | 2,599 |
| Assets per employee ($millions) | 4.8943% | 2,385 |
| Cash dividends to net income (ytd only)* | 46.3038% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 3,307 |
| Loan loss allowance to noncurrent loans | 66.3391% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3233% | 2,334 |
| Noncurrent loans to loans | 2.0637% | 1,519 |
| Net loans and leases to total assets | 62.4088% | 3,427 |
| Net loans and leases to deposits | 71.0710% | 3,783 |
| Net loans and leases to core deposits | 74.7797% | 3,869 |
| Total domestic deposits to total assets | 87.8119% | 1,858 |
| Equity capital to assets | 8.1562% | 6,038 |
| Core capital (leverage) ratio | 7.7586% | 6,188 |
| Tier 1 risk-based capital ratio | 13.5308% | 4,517 |
| Total risk-based capital ratio | 14.7860% | 4,459 |
| Memoranda: | ||
| Average total assets | $558,054,250 | 1,202 |
| Average earning assets | $516,710,250 | 1,191 |
| Average equity | $47,064,750 | 1,534 |
| Average total loans | $362,875,000 | 1,220 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 4,490 |
| Cost of funding earning assets | 0.5744% | 2,124 |
| Net interest margin | 3.2355% | 4,825 |
| Noninterest income to average assets | 0.5795% | 2,934 |
| Noninterest expense to average assets | 2.8248% | 3,412 |
| Loan and lease loss provision to assets | 0.1262% | 1,957 |
| Net operating income to assets | 0.4956% | 4,829 |
| Return on assets (ROA) | 0.6882% | 3,997 |
| Pretax return on assets | 0.8616% | 4,031 |
| Return on Equity (ROE) | 8.0639% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.0813% | 3,577 |
| Net charge-offs to loans | 0.0936% | 2,740 |
| Credit loss provision to net charge-offs | 205.3571% | 1,145 |
| Earnings coverage of net charge-offs (x) | 12.1548% | 2,087 |
| Efficiency ratio | 77.9166% | 2,300 |
| Assets per employee ($millions) | 4.9355% | 2,297 |
| Cash dividends to net income (ytd only)* | 49.3886% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 3,471 |
| Loan loss allowance to noncurrent loans | 65.6006% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.3242% | 2,468 |
| Noncurrent loans to loans | 2.0965% | 1,596 |
| Net loans and leases to total assets | 62.1307% | 3,381 |
| Net loans and leases to deposits | 70.3257% | 3,782 |
| Net loans and leases to core deposits | 74.1096% | 3,824 |
| Total domestic deposits to total assets | 88.3470% | 1,711 |
| Equity capital to assets | 8.2312% | 6,005 |
| Core capital (leverage) ratio | 8.0259% | 6,080 |
| Tier 1 risk-based capital ratio | 13.7865% | 4,400 |
| Total risk-based capital ratio | 15.0430% | 4,343 |
| Memoranda: | ||
| Average total assets | $546,667,330 | 1,226 |
| Average earning assets | $505,571,330 | 1,219 |
| Average equity | $46,652,330 | 1,537 |
| Average total loans | $358,925,330 | 1,228 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8827% | 4,152 |
| Cost of funding earning assets | 0.5896% | 2,067 |
| Net interest margin | 3.2931% | 4,569 |
| Noninterest income to average assets | 0.5847% | 2,828 |
| Noninterest expense to average assets | 3.1202% | 2,469 |
| Loan and lease loss provision to assets | 0.1233% | 1,956 |
| Net operating income to assets | 0.3035% | 5,477 |
| Return on assets (ROA) | 0.6967% | 3,786 |
| Pretax return on assets | 0.8767% | 3,805 |
| Return on Equity (ROE) | 8.0070% | 2,924 |
| Retained earnings to average equity (ytd only) | 3.9731% | 3,729 |
| Net charge-offs to loans | 0.1251% | 1,968 |
| Credit loss provision to net charge-offs | 146.8468% | 1,282 |
| Earnings coverage of net charge-offs (x) | 5.9820% | 2,302 |
| Efficiency ratio | 84.9447% | 1,553 |
| Assets per employee ($millions) | 4.5976% | 2,822 |
| Cash dividends to net income (ytd only)* | 50.3800% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 3,595 |
| Loan loss allowance to noncurrent loans | 82.0303% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 2,973 |
| Noncurrent loans to loans | 1.7081% | 2,273 |
| Net loans and leases to total assets | 64.9306% | 2,738 |
| Net loans and leases to deposits | 74.1068% | 3,049 |
| Net loans and leases to core deposits | 78.5060% | 3,147 |
| Total domestic deposits to total assets | 87.6176% | 2,444 |
| Equity capital to assets | 8.7054% | 5,443 |
| Core capital (leverage) ratio | 8.6789% | 5,411 |
| Tier 1 risk-based capital ratio | 14.5630% | 3,974 |
| Total risk-based capital ratio | 15.8205% | 3,916 |
| Memoranda: | ||
| Average total assets | $528,805,000 | 1,277 |
| Average earning assets | $487,810,000 | 1,274 |
| Average equity | $46,009,500 | 1,555 |
| Average total loans | $354,943,000 | 1,244 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,865 |
| Cost of funding earning assets | 0.7593% | 1,447 |
| Net interest margin | 3.3056% | 4,646 |
| Noninterest income to average assets | 0.6616% | 2,748 |
| Noninterest expense to average assets | 2.7042% | 4,081 |
| Loan and lease loss provision to assets | 0.1116% | 2,944 |
| Net operating income to assets | 0.7284% | 3,666 |
| Return on assets (ROA) | 0.7807% | 3,496 |
| Pretax return on assets | 0.9699% | 3,478 |
| Return on Equity (ROE) | 8.4715% | 2,793 |
| Retained earnings to average equity (ytd only) | -1.7043% | 6,143 |
| Net charge-offs to loans | 0.3050% | 2,160 |
| Credit loss provision to net charge-offs | 54.6654% | 3,713 |
| Earnings coverage of net charge-offs (x) | 4.9755% | 3,412 |
| Efficiency ratio | 71.2904% | 3,613 |
| Assets per employee ($millions) | 4.5197% | 2,869 |
| Cash dividends to net income (ytd only)* | 120.1183% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 3,854 |
| Loan loss allowance to noncurrent loans | 79.2868% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.1917% | 3,018 |
| Noncurrent loans to loans | 1.7121% | 2,344 |
| Net loans and leases to total assets | 67.4833% | 2,439 |
| Net loans and leases to deposits | 81.8776% | 2,194 |
| Net loans and leases to core deposits | 85.0882% | 2,553 |
| Total domestic deposits to total assets | 82.4197% | 4,731 |
| Equity capital to assets | 8.6958% | 5,375 |
| Core capital (leverage) ratio | 8.5753% | 5,574 |
| Tier 1 risk-based capital ratio | 14.0820% | 4,244 |
| Total risk-based capital ratio | 15.3380% | 4,179 |
| Memoranda: | ||
| Average total assets | $519,525,800 | 1,277 |
| Average earning assets | $480,724,800 | 1,268 |
| Average equity | $47,878,400 | 1,466 |
| Average total loans | $347,896,400 | 1,231 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,863 |
| Cost of funding earning assets | 0.8027% | 1,306 |
| Net interest margin | 3.2692% | 4,753 |
| Noninterest income to average assets | 0.6732% | 2,761 |
| Noninterest expense to average assets | 2.6824% | 4,085 |
| Loan and lease loss provision to assets | 0.1127% | 2,888 |
| Net operating income to assets | 0.7254% | 3,728 |
| Return on assets (ROA) | 0.7853% | 3,554 |
| Pretax return on assets | 0.9816% | 3,582 |
| Return on Equity (ROE) | 8.4015% | 2,924 |
| Retained earnings to average equity (ytd only) | -3.6930% | 6,415 |
| Net charge-offs to loans | 0.3866% | 1,659 |
| Credit loss provision to net charge-offs | 43.7562% | 3,638 |
| Earnings coverage of net charge-offs (x) | 3.9591% | 3,574 |
| Efficiency ratio | 70.9819% | 3,606 |
| Assets per employee ($millions) | 4.4115% | 3,034 |
| Cash dividends to net income (ytd only)* | 143.9569% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,120 |
| Loan loss allowance to noncurrent loans | 77.8501% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 3,253 |
| Noncurrent loans to loans | 1.7375% | 2,585 |
| Net loans and leases to total assets | 66.5002% | 2,560 |
| Net loans and leases to deposits | 81.2743% | 2,233 |
| Net loans and leases to core deposits | 84.3063% | 2,619 |
| Total domestic deposits to total assets | 81.8219% | 4,991 |
| Equity capital to assets | 8.6141% | 5,609 |
| Core capital (leverage) ratio | 8.3590% | 5,903 |
| Tier 1 risk-based capital ratio | 13.8097% | 4,566 |
| Total risk-based capital ratio | 15.0639% | 4,515 |
| Memoranda: | ||
| Average total assets | $518,335,500 | 1,288 |
| Average earning assets | $480,187,500 | 1,283 |
| Average equity | $48,450,250 | 1,466 |
| Average total loans | $345,201,750 | 1,233 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 3,800 |
| Cost of funding earning assets | 0.8501% | 1,136 |
| Net interest margin | 3.2342% | 4,824 |
| Noninterest income to average assets | 0.6696% | 2,796 |
| Noninterest expense to average assets | 2.7063% | 4,004 |
| Loan and lease loss provision to assets | 0.1143% | 2,905 |
| Net operating income to assets | 0.6796% | 3,908 |
| Return on assets (ROA) | 0.7366% | 3,792 |
| Pretax return on assets | 0.9203% | 3,834 |
| Return on Equity (ROE) | 7.6767% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.3154% | 4,204 |
| Net charge-offs to loans | 0.5703% | 1,156 |
| Credit loss provision to net charge-offs | 30.2254% | 3,586 |
| Earnings coverage of net charge-offs (x) | 2.5471% | 3,673 |
| Efficiency ratio | 72.2070% | 3,437 |
| Assets per employee ($millions) | 4.4028% | 2,979 |
| Cash dividends to net income (ytd only)* | 56.8122% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,162 |
| Loan loss allowance to noncurrent loans | 76.8560% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.1943% | 3,359 |
| Noncurrent loans to loans | 1.7850% | 2,654 |
| Net loans and leases to total assets | 63.5333% | 3,002 |
| Net loans and leases to deposits | 74.6643% | 3,056 |
| Net loans and leases to core deposits | 77.5525% | 3,351 |
| Total domestic deposits to total assets | 85.0919% | 3,850 |
| Equity capital to assets | 9.0829% | 5,129 |
| Core capital (leverage) ratio | 8.7951% | 5,297 |
| Tier 1 risk-based capital ratio | 14.7472% | 3,946 |
| Total risk-based capital ratio | 16.0005% | 3,910 |
| Memoranda: | ||
| Average total assets | $516,125,000 | 1,297 |
| Average earning assets | $478,757,330 | 1,283 |
| Average equity | $49,526,670 | 1,442 |
| Average total loans | $342,305,330 | 1,238 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 3,563 |
| Cost of funding earning assets | 0.8748% | 1,117 |
| Net interest margin | 3.2638% | 4,663 |
| Noninterest income to average assets | 0.6462% | 2,895 |
| Noninterest expense to average assets | 2.7269% | 3,956 |
| Loan and lease loss provision to assets | 0.1122% | 2,832 |
| Net operating income to assets | 0.6546% | 3,933 |
| Return on assets (ROA) | 0.7066% | 3,795 |
| Pretax return on assets | 0.9051% | 3,743 |
| Return on Equity (ROE) | 7.1656% | 3,398 |
| Retained earnings to average equity (ytd only) | 2.7597% | 4,630 |
| Net charge-offs to loans | 0.0058% | 4,044 |
| Credit loss provision to net charge-offs | 2,860.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 242.4000% | 163 |
| Efficiency ratio | 72.5954% | 3,503 |
| Assets per employee ($millions) | 4.4561% | 3,054 |
| Cash dividends to net income (ytd only)* | 61.4872% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 3,457 |
| Loan loss allowance to noncurrent loans | 73.3690% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.4993% | 3,007 |
| Noncurrent loans to loans | 2.1615% | 2,431 |
| Net loans and leases to total assets | 66.4587% | 2,292 |
| Net loans and leases to deposits | 77.8768% | 2,355 |
| Net loans and leases to core deposits | 80.9611% | 2,701 |
| Total domestic deposits to total assets | 85.3382% | 3,872 |
| Equity capital to assets | 9.8156% | 4,401 |
| Core capital (leverage) ratio | 9.2052% | 4,561 |
| Tier 1 risk-based capital ratio | 14.8529% | 3,938 |
| Total risk-based capital ratio | 16.1097% | 3,896 |
| Memoranda: | ||
| Average total assets | $510,022,000 | 1,320 |
| Average earning assets | $473,685,000 | 1,306 |
| Average equity | $50,296,000 | 1,444 |
| Average total loans | $343,290,500 | 1,237 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 4,229 |
| Cost of funding earning assets | 1.0299% | 1,209 |
| Net interest margin | 3.2590% | 5,401 |
| Noninterest income to average assets | 0.6872% | 2,787 |
| Noninterest expense to average assets | 2.6308% | 4,639 |
| Loan and lease loss provision to assets | 0.4179% | 1,528 |
| Net operating income to assets | 0.5579% | 4,443 |
| Return on assets (ROA) | 0.7050% | 3,967 |
| Pretax return on assets | 0.8750% | 4,010 |
| Return on Equity (ROE) | 7.2869% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.8667% | 2,795 |
| Net charge-offs to loans | 0.1030% | 4,641 |
| Credit loss provision to net charge-offs | 633.5294% | 385 |
| Earnings coverage of net charge-offs (x) | 16.8471% | 1,544 |
| Efficiency ratio | 68.5141% | 4,053 |
| Assets per employee ($millions) | 4.4139% | 3,118 |
| Cash dividends to net income (ytd only)* | 33.2141% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 3,434 |
| Loan loss allowance to noncurrent loans | 71.0963% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.5179% | 3,101 |
| Noncurrent loans to loans | 2.2098% | 2,445 |
| Net loans and leases to total assets | 66.0322% | 2,518 |
| Net loans and leases to deposits | 77.4943% | 2,589 |
| Net loans and leases to core deposits | 80.7754% | 2,907 |
| Total domestic deposits to total assets | 85.2091% | 3,760 |
| Equity capital to assets | 9.9079% | 4,304 |
| Core capital (leverage) ratio | 8.9191% | 5,017 |
| Tier 1 risk-based capital ratio | 14.9581% | 3,738 |
| Total risk-based capital ratio | 16.2147% | 3,692 |
| Memoranda: | ||
| Average total assets | $515,432,000 | 1,296 |
| Average earning assets | $483,149,000 | 1,262 |
| Average equity | $49,870,000 | 1,427 |
| Average total loans | $330,192,800 | 1,275 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 4,423 |
| Cost of funding earning assets | 1.0454% | 1,302 |
| Net interest margin | 3.2631% | 5,503 |
| Noninterest income to average assets | 0.6695% | 2,874 |
| Noninterest expense to average assets | 2.6419% | 4,598 |
| Loan and lease loss provision to assets | 0.4090% | 1,567 |
| Net operating income to assets | 0.5455% | 4,640 |
| Return on assets (ROA) | 0.7344% | 4,006 |
| Pretax return on assets | 0.9241% | 4,013 |
| Return on Equity (ROE) | 7.6358% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.1890% | 2,573 |
| Net charge-offs to loans | 0.0407% | 5,078 |
| Credit loss provision to net charge-offs | 1,587.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 42.4500% | 840 |
| Efficiency ratio | 68.8418% | 3,906 |
| Assets per employee ($millions) | 4.4837% | 2,943 |
| Cash dividends to net income (ytd only)* | 18.9473% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 4,009 |
| Loan loss allowance to noncurrent loans | 64.5049% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 3,283 |
| Noncurrent loans to loans | 2.3060% | 2,500 |
| Net loans and leases to total assets | 62.8754% | 3,229 |
| Net loans and leases to deposits | 73.3461% | 3,388 |
| Net loans and leases to core deposits | 76.2888% | 3,693 |
| Total domestic deposits to total assets | 85.7242% | 3,398 |
| Equity capital to assets | 9.5993% | 5,060 |
| Core capital (leverage) ratio | 8.4553% | 5,815 |
| Tier 1 risk-based capital ratio | 14.7150% | 4,036 |
| Total risk-based capital ratio | 15.9699% | 4,000 |
| Memoranda: | ||
| Average total assets | $517,391,250 | 1,309 |
| Average earning assets | $486,185,500 | 1,268 |
| Average equity | $49,764,500 | 1,436 |
| Average total loans | $327,609,500 | 1,299 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 4,564 |
| Cost of funding earning assets | 1.0620% | 1,401 |
| Net interest margin | 3.2401% | 5,621 |
| Noninterest income to average assets | 0.6376% | 3,017 |
| Noninterest expense to average assets | 2.7178% | 4,336 |
| Loan and lease loss provision to assets | 0.0888% | 4,461 |
| Net operating income to assets | 0.6742% | 4,002 |
| Return on assets (ROA) | 0.8335% | 3,490 |
| Pretax return on assets | 1.0898% | 3,344 |
| Return on Equity (ROE) | 8.6598% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.2552% | 1,550 |
| Net charge-offs to loans | 0.0302% | 4,956 |
| Credit loss provision to net charge-offs | 465.3061% | 645 |
| Earnings coverage of net charge-offs (x) | 50.7755% | 724 |
| Efficiency ratio | 71.7515% | 3,474 |
| Assets per employee ($millions) | 4.7695% | 2,482 |
| Cash dividends to net income (ytd only)* | 4.6729% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 5,677 |
| Loan loss allowance to noncurrent loans | 86.7180% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 4,682 |
| Noncurrent loans to loans | 1.2953% | 3,983 |
| Net loans and leases to total assets | 60.6785% | 3,689 |
| Net loans and leases to deposits | 70.5630% | 3,814 |
| Net loans and leases to core deposits | 73.3628% | 4,117 |
| Total domestic deposits to total assets | 85.9920% | 3,356 |
| Equity capital to assets | 9.3716% | 5,229 |
| Core capital (leverage) ratio | 8.4026% | 5,783 |
| Tier 1 risk-based capital ratio | 14.7179% | 3,954 |
| Total risk-based capital ratio | 15.9529% | 3,923 |
| Memoranda: | ||
| Average total assets | $513,497,670 | 1,319 |
| Average earning assets | $483,250,330 | 1,278 |
| Average equity | $49,423,670 | 1,435 |
| Average total loans | $324,253,000 | 1,308 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 4,223 |
| Cost of funding earning assets | 1.1077% | 1,365 |
| Net interest margin | 3.3171% | 5,411 |
| Noninterest income to average assets | 0.6182% | 3,116 |
| Noninterest expense to average assets | 2.7949% | 4,054 |
| Loan and lease loss provision to assets | 0.0903% | 4,227 |
| Net operating income to assets | 0.6718% | 4,022 |
| Return on assets (ROA) | 0.6718% | 4,238 |
| Pretax return on assets | 0.8499% | 4,230 |
| Return on Equity (ROE) | 6.8819% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.0636% | 2,914 |
| Net charge-offs to loans | 0.0087% | 4,607 |
| Credit loss provision to net charge-offs | 1,614.2857% | 208 |
| Earnings coverage of net charge-offs (x) | 168.1429% | 214 |
| Efficiency ratio | 72.8400% | 3,284 |
| Assets per employee ($millions) | 4.5653% | 2,869 |
| Cash dividends to net income (ytd only)* | 11.8906% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,832 |
| Loan loss allowance to noncurrent loans | 74.0846% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 4,467 |
| Noncurrent loans to loans | 1.5134% | 3,845 |
| Net loans and leases to total assets | 62.8176% | 3,087 |
| Net loans and leases to deposits | 73.4131% | 3,212 |
| Net loans and leases to core deposits | 76.9908% | 3,473 |
| Total domestic deposits to total assets | 85.5673% | 3,759 |
| Equity capital to assets | 9.6057% | 4,643 |
| Core capital (leverage) ratio | 8.6898% | 5,311 |
| Tier 1 risk-based capital ratio | 14.8420% | 3,861 |
| Total risk-based capital ratio | 16.0923% | 3,830 |
| Memoranda: | ||
| Average total assets | $500,771,500 | 1,352 |
| Average earning assets | $470,532,500 | 1,322 |
| Average equity | $48,881,500 | 1,446 |
| Average total loans | $321,008,500 | 1,321 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 4,670 |
| Cost of funding earning assets | 1.2380% | 1,799 |
| Net interest margin | 3.3651% | 5,598 |
| Noninterest income to average assets | 0.6606% | 2,832 |
| Noninterest expense to average assets | 2.7688% | 4,477 |
| Loan and lease loss provision to assets | 0.0852% | 5,538 |
| Net operating income to assets | 0.7657% | 3,192 |
| Return on assets (ROA) | 0.8439% | 3,010 |
| Pretax return on assets | 1.0529% | 3,025 |
| Return on Equity (ROE) | 9.0020% | 2,447 |
| Retained earnings to average equity (ytd only) | -1.2804% | 6,052 |
| Net charge-offs to loans | 0.3267% | 3,757 |
| Credit loss provision to net charge-offs | 41.3386% | 5,608 |
| Earnings coverage of net charge-offs (x) | 5.0502% | 2,909 |
| Efficiency ratio | 70.3412% | 3,879 |
| Assets per employee ($millions) | 4.1545% | 3,541 |
| Cash dividends to net income (ytd only)* | 114.2239% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,765 |
| Loan loss allowance to noncurrent loans | 62.1660% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 4,189 |
| Noncurrent loans to loans | 1.7933% | 3,479 |
| Net loans and leases to total assets | 63.9790% | 3,197 |
| Net loans and leases to deposits | 75.3046% | 3,293 |
| Net loans and leases to core deposits | 79.2155% | 3,548 |
| Total domestic deposits to total assets | 84.9604% | 3,875 |
| Equity capital to assets | 9.9235% | 4,267 |
| Core capital (leverage) ratio | 8.6932% | 5,261 |
| Tier 1 risk-based capital ratio | 15.0020% | 3,640 |
| Total risk-based capital ratio | 16.2522% | 3,598 |
| Memoranda: | ||
| Average total assets | $493,209,800 | 1,352 |
| Average earning assets | $461,477,000 | 1,329 |
| Average equity | $46,234,000 | 1,477 |
| Average total loans | $311,003,600 | 1,362 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 4,932 |
| Cost of funding earning assets | 1.2562% | 1,959 |
| Net interest margin | 3.3261% | 5,781 |
| Noninterest income to average assets | 0.6540% | 2,855 |
| Noninterest expense to average assets | 2.8239% | 4,255 |
| Loan and lease loss provision to assets | 0.0864% | 5,366 |
| Net operating income to assets | 0.6947% | 3,650 |
| Return on assets (ROA) | 0.8001% | 3,326 |
| Pretax return on assets | 0.9841% | 3,461 |
| Return on Equity (ROE) | 8.6607% | 2,762 |
| Retained earnings to average equity (ytd only) | -4.0615% | 6,519 |
| Net charge-offs to loans | 0.3994% | 3,117 |
| Credit loss provision to net charge-offs | 34.5200% | 5,352 |
| Earnings coverage of net charge-offs (x) | 3.7584% | 3,312 |
| Efficiency ratio | 72.5226% | 3,453 |
| Assets per employee ($millions) | 4.2673% | 3,336 |
| Cash dividends to net income (ytd only)* | 146.8962% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,758 |
| Loan loss allowance to noncurrent loans | 66.8880% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 4,494 |
| Noncurrent loans to loans | 1.6930% | 3,767 |
| Net loans and leases to total assets | 62.7114% | 3,567 |
| Net loans and leases to deposits | 73.5909% | 3,706 |
| Net loans and leases to core deposits | 77.3404% | 3,998 |
| Total domestic deposits to total assets | 85.2163% | 3,665 |
| Equity capital to assets | 9.8351% | 4,575 |
| Core capital (leverage) ratio | 8.5559% | 5,622 |
| Tier 1 risk-based capital ratio | 14.7442% | 3,809 |
| Total risk-based capital ratio | 15.9945% | 3,783 |
| Memoranda: | ||
| Average total assets | $493,954,500 | 1,355 |
| Average earning assets | $461,905,500 | 1,330 |
| Average equity | $45,630,500 | 1,490 |
| Average total loans | $309,459,250 | 1,383 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 5,182 |
| Cost of funding earning assets | 1.2698% | 2,119 |
| Net interest margin | 3.2776% | 5,920 |
| Noninterest income to average assets | 0.6513% | 2,827 |
| Noninterest expense to average assets | 2.8960% | 4,037 |
| Loan and lease loss provision to assets | 0.0970% | 5,113 |
| Net operating income to assets | 0.5795% | 4,161 |
| Return on assets (ROA) | 0.7353% | 3,482 |
| Pretax return on assets | 0.9159% | 3,564 |
| Return on Equity (ROE) | 8.1337% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.0153% | 2,419 |
| Net charge-offs to loans | 0.5245% | 2,525 |
| Credit loss provision to net charge-offs | 29.6296% | 5,000 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,574 |
| Efficiency ratio | 75.3943% | 3,122 |
| Assets per employee ($millions) | 4.3888% | 3,011 |
| Cash dividends to net income (ytd only)* | 26.0440% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,766 |
| Loan loss allowance to noncurrent loans | 52.9272% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.3659% | 4,178 |
| Noncurrent loans to loans | 2.1709% | 3,256 |
| Net loans and leases to total assets | 59.6791% | 4,333 |
| Net loans and leases to deposits | 69.1947% | 4,540 |
| Net loans and leases to core deposits | 72.8750% | 4,727 |
| Total domestic deposits to total assets | 86.2480% | 3,184 |
| Equity capital to assets | 9.1170% | 5,402 |
| Core capital (leverage) ratio | 8.5056% | 5,546 |
| Tier 1 risk-based capital ratio | 14.7462% | 3,651 |
| Total risk-based capital ratio | 15.9963% | 3,616 |
| Memoranda: | ||
| Average total assets | $495,025,000 | 1,358 |
| Average earning assets | $462,595,670 | 1,332 |
| Average equity | $44,752,330 | 1,507 |
| Average total loans | $308,853,330 | 1,402 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 4,817 |
| Cost of funding earning assets | 1.2854% | 2,270 |
| Net interest margin | 3.3451% | 5,625 |
| Noninterest income to average assets | 0.6554% | 2,806 |
| Noninterest expense to average assets | 2.8893% | 4,106 |
| Loan and lease loss provision to assets | 0.0988% | 4,771 |
| Net operating income to assets | 0.6346% | 3,837 |
| Return on assets (ROA) | 0.7040% | 3,572 |
| Pretax return on assets | 0.8728% | 3,608 |
| Return on Equity (ROE) | 7.8223% | 2,994 |
| Retained earnings to average equity (ytd only) | 3.4857% | 4,091 |
| Net charge-offs to loans | 0.4022% | 2,490 |
| Credit loss provision to net charge-offs | 38.7097% | 3,977 |
| Earnings coverage of net charge-offs (x) | 3.4710% | 2,731 |
| Efficiency ratio | 73.9368% | 3,523 |
| Assets per employee ($millions) | 4.2375% | 3,372 |
| Cash dividends to net income (ytd only)* | 55.4386% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 5,174 |
| Loan loss allowance to noncurrent loans | 53.0623% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5762% | 3,881 |
| Noncurrent loans to loans | 2.4344% | 3,059 |
| Net loans and leases to total assets | 61.2806% | 4,018 |
| Net loans and leases to deposits | 72.0536% | 4,071 |
| Net loans and leases to core deposits | 75.5812% | 4,354 |
| Total domestic deposits to total assets | 85.0486% | 4,010 |
| Equity capital to assets | 9.1931% | 4,881 |
| Core capital (leverage) ratio | 8.5369% | 5,376 |
| Tier 1 risk-based capital ratio | 14.7899% | 3,551 |
| Total risk-based capital ratio | 16.0423% | 3,518 |
| Memoranda: | ||
| Average total assets | $485,792,500 | 1,388 |
| Average earning assets | $453,082,000 | 1,367 |
| Average equity | $43,721,000 | 1,524 |
| Average total loans | $308,276,000 | 1,415 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 4,957 |
| Cost of funding earning assets | 1.5372% | 2,424 |
| Net interest margin | 3.3758% | 5,715 |
| Noninterest income to average assets | 0.6613% | 3,071 |
| Noninterest expense to average assets | 2.8221% | 4,516 |
| Loan and lease loss provision to assets | 0.2735% | 4,616 |
| Net operating income to assets | 0.5647% | 3,828 |
| Return on assets (ROA) | 0.7206% | 3,271 |
| Pretax return on assets | 0.9036% | 3,275 |
| Return on Equity (ROE) | 8.2118% | 2,616 |
| Retained earnings to average equity (ytd only) | 4.4642% | 2,741 |
| Net charge-offs to loans | 0.1247% | 5,645 |
| Credit loss provision to net charge-offs | 348.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 12.4960% | 1,495 |
| Efficiency ratio | 71.0744% | 3,980 |
| Assets per employee ($millions) | 4.1742% | 3,435 |
| Cash dividends to net income (ytd only)* | 45.6370% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,866 |
| Loan loss allowance to noncurrent loans | 62.5019% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.4549% | 4,148 |
| Noncurrent loans to loans | 2.1231% | 3,406 |
| Net loans and leases to total assets | 64.0064% | 3,873 |
| Net loans and leases to deposits | 74.9889% | 4,027 |
| Net loans and leases to core deposits | 78.2519% | 4,428 |
| Total domestic deposits to total assets | 85.3545% | 3,691 |
| Equity capital to assets | 8.8021% | 5,429 |
| Core capital (leverage) ratio | 7.9168% | 6,298 |
| Tier 1 risk-based capital ratio | 13.2679% | 4,402 |
| Total risk-based capital ratio | 14.5206% | 4,354 |
| Memoranda: | ||
| Average total assets | $477,097,800 | 1,406 |
| Average earning assets | $444,192,600 | 1,376 |
| Average equity | $41,866,800 | 1,580 |
| Average total loans | $300,632,400 | 1,496 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 5,142 |
| Cost of funding earning assets | 1.5922% | 2,431 |
| Net interest margin | 3.3354% | 5,908 |
| Noninterest income to average assets | 0.6530% | 3,104 |
| Noninterest expense to average assets | 2.9355% | 3,963 |
| Loan and lease loss provision to assets | 0.1301% | 5,727 |
| Net operating income to assets | 0.5496% | 4,091 |
| Return on assets (ROA) | 0.7607% | 3,331 |
| Pretax return on assets | 0.9564% | 3,344 |
| Return on Equity (ROE) | 8.6758% | 2,617 |
| Retained earnings to average equity (ytd only) | 5.0497% | 2,954 |
| Net charge-offs to loans | 0.0940% | 5,590 |
| Credit loss provision to net charge-offs | 221.4286% | 1,559 |
| Earnings coverage of net charge-offs (x) | 13.9954% | 1,546 |
| Efficiency ratio | 74.7971% | 3,185 |
| Assets per employee ($millions) | 4.0681% | 3,702 |
| Cash dividends to net income (ytd only)* | 41.7955% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,738 |
| Loan loss allowance to noncurrent loans | 107.6276% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 5,661 |
| Noncurrent loans to loans | 1.0621% | 5,119 |
| Net loans and leases to total assets | 62.8093% | 4,367 |
| Net loans and leases to deposits | 74.0520% | 4,501 |
| Net loans and leases to core deposits | 77.3953% | 4,876 |
| Total domestic deposits to total assets | 84.8178% | 3,712 |
| Equity capital to assets | 9.1993% | 5,309 |
| Core capital (leverage) ratio | 7.7911% | 6,576 |
| Tier 1 risk-based capital ratio | 13.3818% | 4,289 |
| Total risk-based capital ratio | 14.6351% | 4,251 |
| Memoranda: | ||
| Average total assets | $476,364,000 | 1,423 |
| Average earning assets | $443,473,500 | 1,386 |
| Average equity | $41,770,250 | 1,584 |
| Average total loans | $297,944,500 | 1,520 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 5,358 |
| Cost of funding earning assets | 1.6304% | 2,479 |
| Net interest margin | 3.2761% | 6,089 |
| Noninterest income to average assets | 0.6363% | 3,089 |
| Noninterest expense to average assets | 2.7946% | 4,507 |
| Loan and lease loss provision to assets | 0.1482% | 5,420 |
| Net operating income to assets | 0.5971% | 3,893 |
| Return on assets (ROA) | 0.7039% | 3,544 |
| Pretax return on assets | 0.8743% | 3,600 |
| Return on Equity (ROE) | 8.1609% | 2,822 |
| Retained earnings to average equity (ytd only) | 4.3262% | 3,325 |
| Net charge-offs to loans | 0.1734% | 4,575 |
| Credit loss provision to net charge-offs | 137.3541% | 2,920 |
| Earnings coverage of net charge-offs (x) | 8.2568% | 2,164 |
| Efficiency ratio | 72.3690% | 3,757 |
| Assets per employee ($millions) | 4.0465% | 3,681 |
| Cash dividends to net income (ytd only)* | 46.9887% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,895 |
| Loan loss allowance to noncurrent loans | 99.3972% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 5,712 |
| Noncurrent loans to loans | 1.1176% | 5,088 |
| Net loans and leases to total assets | 60.4630% | 4,974 |
| Net loans and leases to deposits | 72.5594% | 4,898 |
| Net loans and leases to core deposits | 75.5731% | 5,240 |
| Total domestic deposits to total assets | 83.3290% | 4,431 |
| Equity capital to assets | 8.8066% | 5,742 |
| Core capital (leverage) ratio | 7.5706% | 6,761 |
| Tier 1 risk-based capital ratio | 13.0931% | 4,365 |
| Total risk-based capital ratio | 14.2899% | 4,361 |
| Memoranda: | ||
| Average total assets | $476,495,000 | 1,437 |
| Average earning assets | $443,449,670 | 1,397 |
| Average equity | $41,098,330 | 1,608 |
| Average total loans | $296,455,670 | 1,540 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 5,496 |
| Cost of funding earning assets | 1.6525% | 2,633 |
| Net interest margin | 3.2403% | 6,165 |
| Noninterest income to average assets | 0.6229% | 3,130 |
| Noninterest expense to average assets | 2.8054% | 4,459 |
| Loan and lease loss provision to assets | 0.1085% | 5,539 |
| Net operating income to assets | 0.5923% | 3,923 |
| Return on assets (ROA) | 0.6611% | 3,721 |
| Pretax return on assets | 0.8060% | 3,842 |
| Return on Equity (ROE) | 7.7485% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.8345% | 3,838 |
| Net charge-offs to loans | 0.2093% | 3,662 |
| Credit loss provision to net charge-offs | 82.5806% | 3,819 |
| Earnings coverage of net charge-offs (x) | 6.3226% | 2,244 |
| Efficiency ratio | 73.6131% | 3,634 |
| Assets per employee ($millions) | 4.0210% | 3,819 |
| Cash dividends to net income (ytd only)* | 50.5128% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 6,130 |
| Loan loss allowance to noncurrent loans | 98.0235% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 5,746 |
| Noncurrent loans to loans | 1.0956% | 5,169 |
| Net loans and leases to total assets | 61.1039% | 4,925 |
| Net loans and leases to deposits | 73.1396% | 4,876 |
| Net loans and leases to core deposits | 76.5069% | 5,189 |
| Total domestic deposits to total assets | 83.5442% | 4,366 |
| Equity capital to assets | 8.4792% | 6,032 |
| Core capital (leverage) ratio | 7.5311% | 6,822 |
| Tier 1 risk-based capital ratio | 12.4773% | 4,777 |
| Total risk-based capital ratio | 13.6235% | 4,807 |
| Memoranda: | ||
| Average total assets | $471,952,000 | 1,483 |
| Average earning assets | $438,851,500 | 1,451 |
| Average equity | $40,266,000 | 1,668 |
| Average total loans | $296,236,000 | 1,588 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 4,823 |
| Cost of funding earning assets | 1.9878% | 3,015 |
| Net interest margin | 3.3845% | 5,432 |
| Noninterest income to average assets | 0.6814% | 3,075 |
| Noninterest expense to average assets | 2.8626% | 4,689 |
| Loan and lease loss provision to assets | 0.3309% | 4,829 |
| Net operating income to assets | 0.4657% | 3,876 |
| Return on assets (ROA) | 0.6349% | 3,254 |
| Pretax return on assets | 0.7869% | 3,290 |
| Return on Equity (ROE) | 7.1647% | 2,729 |
| Retained earnings to average equity (ytd only) | 1.1691% | 4,226 |
| Net charge-offs to loans | 0.2876% | 4,835 |
| Credit loss provision to net charge-offs | 167.5245% | 2,575 |
| Earnings coverage of net charge-offs (x) | 4.6017% | 2,890 |
| Efficiency ratio | 74.5973% | 3,779 |
| Assets per employee ($millions) | 3.9110% | 4,001 |
| Cash dividends to net income (ytd only)* | 83.6828% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 6,002 |
| Loan loss allowance to noncurrent loans | 132.2594% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 6,058 |
| Noncurrent loans to loans | 0.8154% | 5,657 |
| Net loans and leases to total assets | 63.1095% | 4,784 |
| Net loans and leases to deposits | 76.2135% | 4,705 |
| Net loans and leases to core deposits | 87.3967% | 5,398 |
| Total domestic deposits to total assets | 82.8061% | 4,610 |
| Equity capital to assets | 8.5859% | 5,746 |
| Core capital (leverage) ratio | 7.4833% | 6,805 |
| Tier 1 risk-based capital ratio | 12.3787% | 4,615 |
| Total risk-based capital ratio | 13.5438% | 4,654 |
| Memoranda: | ||
| Average total assets | $413,120,600 | 1,669 |
| Average earning assets | $377,191,800 | 1,671 |
| Average equity | $36,610,200 | 1,839 |
| Average total loans | $283,735,400 | 1,698 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 4,697 |
| Cost of funding earning assets | 2.0534% | 3,102 |
| Net interest margin | 3.3943% | 5,294 |
| Noninterest income to average assets | 0.6906% | 3,084 |
| Noninterest expense to average assets | 2.8516% | 4,661 |
| Loan and lease loss provision to assets | 0.3589% | 4,168 |
| Net operating income to assets | 0.4546% | 4,177 |
| Return on assets (ROA) | 0.5752% | 3,774 |
| Pretax return on assets | 0.7126% | 3,810 |
| Return on Equity (ROE) | 6.4330% | 3,329 |
| Retained earnings to average equity (ytd only) | 1.4722% | 4,489 |
| Net charge-offs to loans | 0.2710% | 4,346 |
| Credit loss provision to net charge-offs | 188.9474% | 2,408 |
| Earnings coverage of net charge-offs (x) | 4.8561% | 2,992 |
| Efficiency ratio | 75.1060% | 3,670 |
| Assets per employee ($millions) | 3.8730% | 4,012 |
| Cash dividends to net income (ytd only)* | 77.1145% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 6,049 |
| Loan loss allowance to noncurrent loans | 124.9703% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 5,980 |
| Noncurrent loans to loans | 0.8344% | 5,627 |
| Net loans and leases to total assets | 65.5803% | 4,515 |
| Net loans and leases to deposits | 79.2545% | 4,521 |
| Net loans and leases to core deposits | 90.7667% | 5,367 |
| Total domestic deposits to total assets | 82.7465% | 4,342 |
| Equity capital to assets | 8.8046% | 5,783 |
| Core capital (leverage) ratio | 8.0566% | 6,255 |
| Tier 1 risk-based capital ratio | 12.1225% | 4,861 |
| Total risk-based capital ratio | 13.2531% | 4,911 |
| Memoranda: | ||
| Average total assets | $400,049,750 | 1,731 |
| Average earning assets | $363,418,750 | 1,741 |
| Average equity | $35,773,000 | 1,903 |
| Average total loans | $280,440,250 | 1,737 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5234% | 4,491 |
| Cost of funding earning assets | 2.1294% | 3,129 |
| Net interest margin | 3.3940% | 5,192 |
| Noninterest income to average assets | 0.7290% | 2,821 |
| Noninterest expense to average assets | 2.8274% | 4,841 |
| Loan and lease loss provision to assets | 0.4393% | 3,356 |
| Net operating income to assets | 0.4931% | 4,112 |
| Return on assets (ROA) | 0.5952% | 3,803 |
| Pretax return on assets | 0.7337% | 3,884 |
| Return on Equity (ROE) | 6.6152% | 3,378 |
| Retained earnings to average equity (ytd only) | 1.0092% | 4,766 |
| Net charge-offs to loans | 0.4052% | 3,174 |
| Credit loss provision to net charge-offs | 151.3562% | 3,043 |
| Earnings coverage of net charge-offs (x) | 3.6076% | 3,375 |
| Efficiency ratio | 72.9748% | 4,203 |
| Assets per employee ($millions) | 3.7416% | 4,230 |
| Cash dividends to net income (ytd only)* | 84.7443% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 5,746 |
| Loan loss allowance to noncurrent loans | 135.5032% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 5,993 |
| Noncurrent loans to loans | 0.7954% | 5,642 |
| Net loans and leases to total assets | 69.2296% | 3,897 |
| Net loans and leases to deposits | 92.2841% | 2,414 |
| Net loans and leases to core deposits | 105.6485% | 3,877 |
| Total domestic deposits to total assets | 75.0179% | 6,759 |
| Equity capital to assets | 8.7634% | 5,659 |
| Core capital (leverage) ratio | 9.0479% | 4,556 |
| Tier 1 risk-based capital ratio | 13.5436% | 3,791 |
| Total risk-based capital ratio | 14.7273% | 3,762 |
| Memoranda: | ||
| Average total assets | $381,063,330 | 1,823 |
| Average earning assets | $353,152,670 | 1,802 |
| Average equity | $34,284,670 | 1,973 |
| Average total loans | $272,965,000 | 1,807 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6784% | 3,905 |
| Cost of funding earning assets | 2.2233% | 3,045 |
| Net interest margin | 3.4551% | 4,918 |
| Noninterest income to average assets | 0.7045% | 2,865 |
| Noninterest expense to average assets | 2.6852% | 5,074 |
| Loan and lease loss provision to assets | 0.3151% | 3,447 |
| Net operating income to assets | 0.7139% | 3,486 |
| Return on assets (ROA) | 0.7596% | 3,475 |
| Pretax return on assets | 0.9803% | 3,422 |
| Return on Equity (ROE) | 8.3313% | 2,992 |
| Retained earnings to average equity (ytd only) | 0.9192% | 5,283 |
| Net charge-offs to loans | 0.0922% | 4,255 |
| Credit loss provision to net charge-offs | 471.4286% | 1,131 |
| Earnings coverage of net charge-offs (x) | 18.4921% | 1,463 |
| Efficiency ratio | 68.4794% | 4,870 |
| Assets per employee ($millions) | 3.6234% | 4,518 |
| Cash dividends to net income (ytd only)* | 88.9665% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 5,879 |
| Loan loss allowance to noncurrent loans | 165.1402% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 6,009 |
| Noncurrent loans to loans | 0.6285% | 5,829 |
| Net loans and leases to total assets | 72.3059% | 3,175 |
| Net loans and leases to deposits | 93.1909% | 2,403 |
| Net loans and leases to core deposits | 108.9193% | 3,571 |
| Total domestic deposits to total assets | 77.5891% | 6,131 |
| Equity capital to assets | 9.0762% | 5,255 |
| Core capital (leverage) ratio | 8.8005% | 4,988 |
| Tier 1 risk-based capital ratio | 12.5190% | 4,535 |
| Total risk-based capital ratio | 13.5975% | 4,583 |
| Memoranda: | ||
| Average total assets | $377,030,000 | 1,853 |
| Average earning assets | $351,014,500 | 1,827 |
| Average equity | $34,376,500 | 1,980 |
| Average total loans | $273,283,500 | 1,811 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1244% | 4,923 |
| Cost of funding earning assets | 2.6311% | 3,525 |
| Net interest margin | 3.4934% | 5,317 |
| Noninterest income to average assets | 0.8454% | 2,260 |
| Noninterest expense to average assets | 3.1589% | 3,485 |
| Loan and lease loss provision to assets | 0.1478% | 5,468 |
| Net operating income to assets | 0.6008% | 4,299 |
| Return on assets (ROA) | 1.0846% | 2,127 |
| Pretax return on assets | 1.2073% | 2,608 |
| Return on Equity (ROE) | 14.0053% | 1,104 |
| Retained earnings to average equity (ytd only) | 4.2497% | 2,478 |
| Net charge-offs to loans | 0.0856% | 5,530 |
| Credit loss provision to net charge-offs | 235.8491% | 2,009 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 2,056 |
| Efficiency ratio | 77.9553% | 2,923 |
| Assets per employee ($millions) | 3.5923% | 4,431 |
| Cash dividends to net income (ytd only)* | 69.6565% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 6,166 |
| Loan loss allowance to noncurrent loans | 262.4752% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 6,449 |
| Noncurrent loans to loans | 0.3760% | 6,227 |
| Net loans and leases to total assets | 71.1820% | 3,752 |
| Net loans and leases to deposits | 92.7732% | 3,001 |
| Net loans and leases to core deposits | 107.2828% | 4,051 |
| Total domestic deposits to total assets | 76.7269% | 6,062 |
| Equity capital to assets | 9.1600% | 5,139 |
| Core capital (leverage) ratio | 9.2021% | 4,436 |
| Tier 1 risk-based capital ratio | 12.0537% | 4,780 |
| Total risk-based capital ratio | 13.0101% | 4,924 |
| Memoranda: | ||
| Average total assets | $338,190,200 | 1,971 |
| Average earning assets | $310,445,800 | 1,965 |
| Average equity | $26,190,000 | 2,540 |
| Average total loans | $247,521,800 | 1,921 |