Home > The First National Bank of Middle Tennessee > Performance and Condition Ratios
The First National Bank of Middle Tennessee, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 2,211 |
| Cost of funding earning assets | 2.3931% | 1,046 |
| Net interest margin | 3.0531% | 3,292 |
| Noninterest income to average assets | 0.6800% | 1,103 |
| Noninterest expense to average assets | 2.7627% | 1,595 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 0.5973% | 3,358 |
| Return on assets (ROA) | 0.5973% | 3,370 |
| Pretax return on assets | 0.7354% | 3,327 |
| Return on Equity (ROE) | 6.2400% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.2363% | 2,212 |
| Net charge-offs to loans | 0.0148% | 1,725 |
| Credit loss provision to net charge-offs | 384.6154% | 617 |
| Earnings coverage of net charge-offs (x) | 67.5385% | 867 |
| Efficiency ratio | 77.9867% | 1,093 |
| Assets per employee ($millions) | 5.6307% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,336 |
| Loan loss allowance to noncurrent loans | 88.8134% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 766 |
| Noncurrent loans to loans | 1.1031% | 968 |
| Net loans and leases to total assets | 77.2700% | 920 |
| Net loans and leases to deposits | 87.6300% | 1,342 |
| Net loans and leases to core deposits | 105.2452% | 1,062 |
| Total domestic deposits to total assets | 88.1800% | 1,496 |
| Equity capital to assets | 9.6266% | 2,483 |
| Core capital (leverage) ratio | 10.2048% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3851% | 1,177 |
| Memoranda: | ||
| Average total assets | $900,701,000 | 1,130 |
| Average earning assets | $843,742,000 | 1,117 |
| Average equity | $86,269,000 | 1,172 |
| Average total loans | $701,596,500 | 1,030 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6709% | 1,813 |
| Cost of funding earning assets | 2.7033% | 833 |
| Net interest margin | 2.9676% | 3,202 |
| Noninterest income to average assets | 0.8400% | 845 |
| Noninterest expense to average assets | 2.7276% | 1,688 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.6840% | 3,015 |
| Return on assets (ROA) | 0.6911% | 3,035 |
| Pretax return on assets | 0.8577% | 2,928 |
| Return on Equity (ROE) | 7.0100% | 3,016 |
| Retained earnings to average equity (ytd only) | 1.8405% | 3,430 |
| Net charge-offs to loans | 0.0116% | 2,482 |
| Credit loss provision to net charge-offs | 438.2716% | 704 |
| Earnings coverage of net charge-offs (x) | 95.5679% | 828 |
| Efficiency ratio | 75.4020% | 1,424 |
| Assets per employee ($millions) | 5.6636% | 3,155 |
| Cash dividends to net income (ytd only)* | 73.7359% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 3,304 |
| Loan loss allowance to noncurrent loans | 146.8623% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 1,198 |
| Noncurrent loans to loans | 0.6711% | 1,462 |
| Net loans and leases to total assets | 76.9800% | 1,019 |
| Net loans and leases to deposits | 87.3831% | 1,458 |
| Net loans and leases to core deposits | 103.5830% | 1,244 |
| Total domestic deposits to total assets | 88.1000% | 1,477 |
| Equity capital to assets | 9.5287% | 2,430 |
| Core capital (leverage) ratio | 10.1754% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3687% | 1,185 |
| Memoranda: | ||
| Average total assets | $869,970,200 | 1,139 |
| Average earning assets | $815,039,200 | 1,120 |
| Average equity | $85,793,200 | 1,142 |
| Average total loans | $695,991,000 | 1,013 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7206% | 1,686 |
| Cost of funding earning assets | 2.7437% | 781 |
| Net interest margin | 2.9769% | 3,145 |
| Noninterest income to average assets | 0.7900% | 905 |
| Noninterest expense to average assets | 2.7706% | 1,514 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.6226% | 3,156 |
| Return on assets (ROA) | 0.6321% | 3,160 |
| Pretax return on assets | 0.7775% | 3,099 |
| Return on Equity (ROE) | 6.3500% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.3543% | 1,967 |
| Net charge-offs to loans | 0.0048% | 2,516 |
| Credit loss provision to net charge-offs | 1,220.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 210.6400% | 505 |
| Efficiency ratio | 77.3164% | 1,279 |
| Assets per employee ($millions) | 5.5323% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 3,375 |
| Loan loss allowance to noncurrent loans | 2,092.3780% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,473 |
| Noncurrent loans to loans | 0.0465% | 3,472 |
| Net loans and leases to total assets | 80.9000% | 525 |
| Net loans and leases to deposits | 92.7768% | 974 |
| Net loans and leases to core deposits | 110.1922% | 929 |
| Total domestic deposits to total assets | 87.2000% | 1,520 |
| Equity capital to assets | 10.3151% | 2,096 |
| Core capital (leverage) ratio | 10.7367% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6862% | 1,152 |
| Memoranda: | ||
| Average total assets | $863,749,750 | 1,138 |
| Average earning assets | $809,452,500 | 1,126 |
| Average equity | $85,924,500 | 1,132 |
| Average total loans | $696,050,750 | 1,008 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6635% | 1,665 |
| Cost of funding earning assets | 2.7162% | 743 |
| Net interest margin | 2.9473% | 3,160 |
| Noninterest income to average assets | 0.7400% | 995 |
| Noninterest expense to average assets | 2.7320% | 1,605 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.5882% | 3,209 |
| Return on assets (ROA) | 0.5882% | 3,243 |
| Pretax return on assets | 0.7174% | 3,195 |
| Return on Equity (ROE) | 5.9900% | 3,287 |
| Retained earnings to average equity (ytd only) | 5.9865% | 2,014 |
| Net charge-offs to loans | 0.0020% | 2,483 |
| Credit loss provision to net charge-offs | 3,285.7143% | 156 |
| Earnings coverage of net charge-offs (x) | 475.5714% | 253 |
| Efficiency ratio | 77.9988% | 1,285 |
| Assets per employee ($millions) | 5.8897% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,377 |
| Loan loss allowance to noncurrent loans | 2,379.7203% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,479 |
| Noncurrent loans to loans | 0.0412% | 3,481 |
| Net loans and leases to total assets | 79.4000% | 747 |
| Net loans and leases to deposits | 91.0878% | 1,200 |
| Net loans and leases to core deposits | 108.5817% | 1,027 |
| Total domestic deposits to total assets | 87.1700% | 1,588 |
| Equity capital to assets | 9.9661% | 2,093 |
| Core capital (leverage) ratio | 10.6019% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4178% | 1,180 |
| Memoranda: | ||
| Average total assets | $863,984,333 | 1,142 |
| Average earning assets | $809,894,333 | 1,130 |
| Average equity | $84,891,333 | 1,136 |
| Average total loans | $693,046,667 | 1,012 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6167% | 1,603 |
| Cost of funding earning assets | 2.6895% | 726 |
| Net interest margin | 2.9272% | 3,139 |
| Noninterest income to average assets | 0.7400% | 938 |
| Noninterest expense to average assets | 2.8201% | 1,415 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.4987% | 3,401 |
| Return on assets (ROA) | 0.4987% | 3,425 |
| Pretax return on assets | 0.5923% | 3,404 |
| Return on Equity (ROE) | 5.1100% | 3,421 |
| Retained earnings to average equity (ytd only) | 5.1120% | 2,364 |
| Net charge-offs to loans | 0.0006% | 2,224 |
| Credit loss provision to net charge-offs | 15,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,428.0000% | 57 |
| Efficiency ratio | 80.9929% | 1,133 |
| Assets per employee ($millions) | 5.8898% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,428 |
| Loan loss allowance to noncurrent loans | 275.0408% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 1,967 |
| Noncurrent loans to loans | 0.3533% | 2,067 |
| Net loans and leases to total assets | 79.8000% | 641 |
| Net loans and leases to deposits | 91.2962% | 1,100 |
| Net loans and leases to core deposits | 107.4851% | 1,042 |
| Total domestic deposits to total assets | 87.4000% | 1,631 |
| Equity capital to assets | 9.8428% | 2,108 |
| Core capital (leverage) ratio | 10.3944% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1095% | 1,245 |
| Memoranda: | ||
| Average total assets | $863,084,500 | 1,142 |
| Average earning assets | $809,366,500 | 1,128 |
| Average equity | $84,194,500 | 1,142 |
| Average total loans | $692,456,000 | 1,015 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2765% | 1,530 |
| Cost of funding earning assets | 2.2164% | 622 |
| Net interest margin | 3.0601% | 3,168 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.4195% | 2,527 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8060% | 2,855 |
| Return on assets (ROA) | 0.8060% | 2,833 |
| Pretax return on assets | 0.9921% | 2,705 |
| Return on Equity (ROE) | 8.6500% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.3824% | 1,763 |
| Net charge-offs to loans | 0.0019% | 2,743 |
| Credit loss provision to net charge-offs | 2,961.5385% | 166 |
| Earnings coverage of net charge-offs (x) | 685.0000% | 206 |
| Efficiency ratio | 69.6500% | 1,923 |
| Assets per employee ($millions) | 6.3695% | 2,499 |
| Cash dividends to net income (ytd only)* | 14.6886% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,534 |
| Loan loss allowance to noncurrent loans | 6,583.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,696 |
| Noncurrent loans to loans | 0.0145% | 3,646 |
| Net loans and leases to total assets | 79.1200% | 749 |
| Net loans and leases to deposits | 90.5822% | 1,222 |
| Net loans and leases to core deposits | 106.4435% | 1,098 |
| Total domestic deposits to total assets | 87.3500% | 1,574 |
| Equity capital to assets | 9.6680% | 2,226 |
| Core capital (leverage) ratio | 10.1437% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8797% | 1,298 |
| Memoranda: | ||
| Average total assets | $844,653,400 | 1,140 |
| Average earning assets | $792,993,400 | 1,112 |
| Average equity | $78,673,400 | 1,143 |
| Average total loans | $676,007,200 | 991 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 1,543 |
| Cost of funding earning assets | 2.0392% | 661 |
| Net interest margin | 3.1105% | 3,122 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.4288% | 2,435 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.8345% | 2,918 |
| Return on assets (ROA) | 0.8345% | 2,900 |
| Pretax return on assets | 1.0404% | 2,743 |
| Return on Equity (ROE) | 9.0500% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.3259% | 2,189 |
| Net charge-offs to loans | 0.0026% | 2,450 |
| Credit loss provision to net charge-offs | 3,653.8462% | 137 |
| Earnings coverage of net charge-offs (x) | 540.3077% | 290 |
| Efficiency ratio | 68.5192% | 1,962 |
| Assets per employee ($millions) | 6.2059% | 2,558 |
| Cash dividends to net income (ytd only)* | 19.0367% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 3,477 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.9500% | 765 |
| Net loans and leases to deposits | 93.2578% | 950 |
| Net loans and leases to core deposits | 109.9487% | 875 |
| Total domestic deposits to total assets | 84.6600% | 2,611 |
| Equity capital to assets | 9.3714% | 2,186 |
| Core capital (leverage) ratio | 10.1789% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7647% | 1,376 |
| Memoranda: | ||
| Average total assets | $839,252,500 | 1,146 |
| Average earning assets | $788,533,500 | 1,117 |
| Average equity | $77,404,250 | 1,152 |
| Average total loans | $672,007,250 | 994 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 1,550 |
| Cost of funding earning assets | 1.8477% | 682 |
| Net interest margin | 3.1615% | 3,076 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.4654% | 2,302 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8660% | 2,871 |
| Return on assets (ROA) | 0.8660% | 2,869 |
| Pretax return on assets | 1.0831% | 2,684 |
| Return on Equity (ROE) | 9.4400% | 2,849 |
| Retained earnings to average equity (ytd only) | 6.8251% | 2,346 |
| Net charge-offs to loans | 0.0039% | 2,165 |
| Credit loss provision to net charge-offs | 2,500.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 372.2308% | 384 |
| Efficiency ratio | 67.9833% | 1,990 |
| Assets per employee ($millions) | 5.7303% | 2,944 |
| Cash dividends to net income (ytd only)* | 27.7085% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,618 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.5700% | 676 |
| Net loans and leases to deposits | 93.9238% | 871 |
| Net loans and leases to core deposits | 109.6197% | 842 |
| Total domestic deposits to total assets | 84.7200% | 2,616 |
| Equity capital to assets | 9.3778% | 2,246 |
| Core capital (leverage) ratio | 10.1204% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5211% | 1,422 |
| Memoranda: | ||
| Average total assets | $833,534,000 | 1,145 |
| Average earning assets | $783,802,333 | 1,122 |
| Average equity | $76,453,333 | 1,159 |
| Average total loans | $668,411,667 | 985 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 1,547 |
| Cost of funding earning assets | 1.6837% | 599 |
| Net interest margin | 3.1483% | 3,241 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.5431% | 2,124 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.7744% | 3,279 |
| Return on assets (ROA) | 0.7744% | 3,235 |
| Pretax return on assets | 0.9609% | 3,098 |
| Return on Equity (ROE) | 8.5400% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.5416% | 2,073 |
| Net charge-offs to loans | 0.0079% | 1,652 |
| Credit loss provision to net charge-offs | 1,346.1538% | 299 |
| Earnings coverage of net charge-offs (x) | 165.6154% | 576 |
| Efficiency ratio | 70.8581% | 1,660 |
| Assets per employee ($millions) | 5.9102% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 3,682 |
| Loan loss allowance to noncurrent loans | 1,677.1053% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 3,328 |
| Noncurrent loans to loans | 0.0572% | 3,325 |
| Net loans and leases to total assets | 78.9700% | 645 |
| Net loans and leases to deposits | 89.2136% | 1,115 |
| Net loans and leases to core deposits | 100.9157% | 1,050 |
| Total domestic deposits to total assets | 88.5100% | 1,734 |
| Equity capital to assets | 9.2130% | 2,360 |
| Core capital (leverage) ratio | 9.9398% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2101% | 1,570 |
| Memoranda: | ||
| Average total assets | $823,397,000 | 1,174 |
| Average earning assets | $773,999,000 | 1,149 |
| Average equity | $74,646,000 | 1,186 |
| Average total loans | $659,656,000 | 1,009 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 1,818 |
| Cost of funding earning assets | 0.6962% | 593 |
| Net interest margin | 3.2659% | 2,659 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.6112% | 1,798 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9404% | 2,814 |
| Return on assets (ROA) | 0.9404% | 2,755 |
| Pretax return on assets | 1.1661% | 2,542 |
| Return on Equity (ROE) | 9.8400% | 2,853 |
| Retained earnings to average equity (ytd only) | 4.4309% | 3,257 |
| Net charge-offs to loans | -0.0329% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.6756% | 2,003 |
| Assets per employee ($millions) | 5.6490% | 3,086 |
| Cash dividends to net income (ytd only)* | 54.9745% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 3,803 |
| Loan loss allowance to noncurrent loans | 461.6114% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 2,443 |
| Noncurrent loans to loans | 0.1933% | 2,510 |
| Net loans and leases to total assets | 79.7900% | 620 |
| Net loans and leases to deposits | 92.7693% | 866 |
| Net loans and leases to core deposits | 101.4523% | 925 |
| Total domestic deposits to total assets | 86.0100% | 2,720 |
| Equity capital to assets | 8.9146% | 2,409 |
| Core capital (leverage) ratio | 9.6010% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6293% | 1,757 |
| Memoranda: | ||
| Average total assets | $770,613,200 | 1,219 |
| Average earning assets | $723,070,000 | 1,194 |
| Average equity | $73,642,400 | 1,203 |
| Average total loans | $595,059,200 | 1,039 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 2,024 |
| Cost of funding earning assets | 0.5273% | 651 |
| Net interest margin | 3.1807% | 2,681 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.6606% | 1,560 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9155% | 2,814 |
| Return on assets (ROA) | 0.9155% | 2,783 |
| Pretax return on assets | 1.1282% | 2,635 |
| Return on Equity (ROE) | 9.4100% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.6916% | 1,758 |
| Net charge-offs to loans | -0.0490% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5564% | 1,948 |
| Assets per employee ($millions) | 5.5785% | 3,148 |
| Cash dividends to net income (ytd only)* | 7.6466% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 3,835 |
| Loan loss allowance to noncurrent loans | 1,641.5954% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,470 |
| Noncurrent loans to loans | 0.0551% | 3,484 |
| Net loans and leases to total assets | 78.0600% | 700 |
| Net loans and leases to deposits | 90.0771% | 886 |
| Net loans and leases to core deposits | 100.4117% | 794 |
| Total domestic deposits to total assets | 86.6600% | 2,866 |
| Equity capital to assets | 9.0135% | 2,206 |
| Core capital (leverage) ratio | 9.9235% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1026% | 1,674 |
| Memoranda: | ||
| Average total assets | $759,903,250 | 1,234 |
| Average earning assets | $712,780,500 | 1,222 |
| Average equity | $73,924,000 | 1,213 |
| Average total loans | $580,103,750 | 1,055 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4517% | 2,292 |
| Cost of funding earning assets | 0.4530% | 682 |
| Net interest margin | 2.9987% | 2,876 |
| Noninterest income to average assets | 1.0156% | 642 |
| Noninterest expense to average assets | 2.6703% | 1,457 |
| Loan and lease loss provision to assets | 0.0874% | 1,127 |
| Net operating income to assets | 0.8736% | 2,691 |
| Return on assets (ROA) | 0.8736% | 2,665 |
| Pretax return on assets | 1.0694% | 2,516 |
| Return on Equity (ROE) | 8.7473% | 2,778 |
| Retained earnings to average equity (ytd only) | 7.6728% | 1,741 |
| Net charge-offs to loans | -0.0738% | 4,366 |
| Credit loss provision to net charge-offs | -157.0048% | 3,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7730% | 1,992 |
| Assets per employee ($millions) | 5.2959% | 3,434 |
| Cash dividends to net income (ytd only)* | 12.2845% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 3,922 |
| Loan loss allowance to noncurrent loans | 844.2249% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,140 |
| Noncurrent loans to loans | 0.1080% | 3,212 |
| Net loans and leases to total assets | 77.0422% | 634 |
| Net loans and leases to deposits | 89.3596% | 757 |
| Net loans and leases to core deposits | 97.5441% | 776 |
| Total domestic deposits to total assets | 86.2159% | 3,192 |
| Equity capital to assets | 9.3555% | 2,126 |
| Core capital (leverage) ratio | 9.7738% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2677% | 1,639 |
| Memoranda: | ||
| Average total assets | $743,578,333 | 1,263 |
| Average earning assets | $697,170,000 | 1,253 |
| Average equity | $74,262,667 | 1,238 |
| Average total loans | $561,081,667 | 1,073 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3236% | 2,311 |
| Cost of funding earning assets | 0.4229% | 764 |
| Net interest margin | 2.9007% | 2,834 |
| Noninterest income to average assets | 1.0704% | 593 |
| Noninterest expense to average assets | 2.7982% | 1,162 |
| Loan and lease loss provision to assets | 0.0829% | 988 |
| Net operating income to assets | 0.7470% | 2,866 |
| Return on assets (ROA) | 0.7470% | 2,859 |
| Pretax return on assets | 0.9084% | 2,745 |
| Return on Equity (ROE) | 7.2313% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.2313% | 1,822 |
| Net charge-offs to loans | -0.1497% | 4,546 |
| Credit loss provision to net charge-offs | -74.6269% | 2,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8401% | 1,758 |
| Assets per employee ($millions) | 5.1577% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,860 |
| Loan loss allowance to noncurrent loans | 1,684.6395% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,614 |
| Noncurrent loans to loans | 0.0572% | 3,572 |
| Net loans and leases to total assets | 73.2825% | 718 |
| Net loans and leases to deposits | 85.8139% | 754 |
| Net loans and leases to core deposits | 100.2941% | 506 |
| Total domestic deposits to total assets | 85.3971% | 3,439 |
| Equity capital to assets | 9.7877% | 2,061 |
| Core capital (leverage) ratio | 10.5788% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9866% | 1,516 |
| Memoranda: | ||
| Average total assets | $723,474,500 | 1,289 |
| Average earning assets | $678,182,000 | 1,280 |
| Average equity | $74,730,500 | 1,262 |
| Average total loans | $536,922,000 | 1,104 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4720% | 2,745 |
| Cost of funding earning assets | 0.5099% | 890 |
| Net interest margin | 2.9621% | 3,289 |
| Noninterest income to average assets | 1.9412% | 335 |
| Noninterest expense to average assets | 3.1162% | 826 |
| Loan and lease loss provision to assets | 0.1516% | 793 |
| Net operating income to assets | 1.1567% | 2,077 |
| Return on assets (ROA) | 1.1652% | 2,104 |
| Pretax return on assets | 1.4508% | 1,877 |
| Return on Equity (ROE) | 9.7325% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.7937% | 2,445 |
| Net charge-offs to loans | -0.0174% | 3,931 |
| Credit loss provision to net charge-offs | -1,202.5316% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1911% | 2,231 |
| Assets per employee ($millions) | 4.9566% | 3,767 |
| Cash dividends to net income (ytd only)* | 40.4710% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,867 |
| Loan loss allowance to noncurrent loans | 638.2465% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 3,140 |
| Noncurrent loans to loans | 0.1523% | 3,178 |
| Net loans and leases to total assets | 73.7273% | 687 |
| Net loans and leases to deposits | 88.2004% | 639 |
| Net loans and leases to core deposits | 98.0319% | 612 |
| Total domestic deposits to total assets | 83.5906% | 3,668 |
| Equity capital to assets | 10.9172% | 1,841 |
| Core capital (leverage) ratio | 10.8883% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9872% | 1,268 |
| Memoranda: | ||
| Average total assets | $626,828,000 | 1,401 |
| Average earning assets | $585,456,000 | 1,401 |
| Average equity | $75,047,200 | 1,273 |
| Average total loans | $453,409,600 | 1,258 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5520% | 2,689 |
| Cost of funding earning assets | 0.5205% | 953 |
| Net interest margin | 3.0315% | 3,227 |
| Noninterest income to average assets | 2.1584% | 308 |
| Noninterest expense to average assets | 3.2597% | 637 |
| Loan and lease loss provision to assets | 0.0984% | 1,215 |
| Net operating income to assets | 1.2880% | 1,856 |
| Return on assets (ROA) | 1.2995% | 1,890 |
| Pretax return on assets | 1.6446% | 1,570 |
| Return on Equity (ROE) | 10.5888% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.5987% | 1,450 |
| Net charge-offs to loans | -0.0232% | 4,022 |
| Credit loss provision to net charge-offs | -592.1053% | 3,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3507% | 2,192 |
| Assets per employee ($millions) | 4.5601% | 4,082 |
| Cash dividends to net income (ytd only)* | 9.3508% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,907 |
| Loan loss allowance to noncurrent loans | 465.0206% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 3,101 |
| Noncurrent loans to loans | 0.2113% | 3,108 |
| Net loans and leases to total assets | 70.8374% | 1,008 |
| Net loans and leases to deposits | 86.1942% | 820 |
| Net loans and leases to core deposits | 99.6131% | 603 |
| Total domestic deposits to total assets | 82.1835% | 3,894 |
| Equity capital to assets | 12.0045% | 1,401 |
| Core capital (leverage) ratio | 12.1764% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9195% | 977 |
| Memoranda: | ||
| Average total assets | $610,054,750 | 1,445 |
| Average earning assets | $569,435,000 | 1,446 |
| Average equity | $74,869,750 | 1,297 |
| Average total loans | $437,604,000 | 1,313 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 2,512 |
| Cost of funding earning assets | 0.5353% | 1,010 |
| Net interest margin | 3.1011% | 3,035 |
| Noninterest income to average assets | 2.3286% | 271 |
| Noninterest expense to average assets | 3.4226% | 517 |
| Loan and lease loss provision to assets | 0.1002% | 1,266 |
| Net operating income to assets | 1.3214% | 1,799 |
| Return on assets (ROA) | 1.3391% | 1,823 |
| Pretax return on assets | 1.7233% | 1,427 |
| Return on Equity (ROE) | 10.8263% | 2,487 |
| Retained earnings to average equity (ytd only) | 9.4605% | 1,568 |
| Net charge-offs to loans | -0.0367% | 4,238 |
| Credit loss provision to net charge-offs | -379.7468% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5205% | 2,221 |
| Assets per employee ($millions) | 4.4588% | 4,130 |
| Cash dividends to net income (ytd only)* | 12.6153% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,825 |
| Loan loss allowance to noncurrent loans | 476.8811% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 3,246 |
| Noncurrent loans to loans | 0.2098% | 3,210 |
| Net loans and leases to total assets | 71.3705% | 1,033 |
| Net loans and leases to deposits | 87.1116% | 841 |
| Net loans and leases to core deposits | 99.4423% | 679 |
| Total domestic deposits to total assets | 81.9299% | 3,939 |
| Equity capital to assets | 12.4462% | 1,156 |
| Core capital (leverage) ratio | 12.2417% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4882% | 890 |
| Memoranda: | ||
| Average total assets | $599,080,667 | 1,461 |
| Average earning assets | $559,285,333 | 1,462 |
| Average equity | $74,097,667 | 1,299 |
| Average total loans | $430,142,667 | 1,330 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 2,145 |
| Cost of funding earning assets | 0.5628% | 1,037 |
| Net interest margin | 3.2200% | 2,636 |
| Noninterest income to average assets | 2.9001% | 213 |
| Noninterest expense to average assets | 3.6982% | 371 |
| Loan and lease loss provision to assets | 0.1008% | 1,339 |
| Net operating income to assets | 1.6224% | 1,077 |
| Return on assets (ROA) | 1.6224% | 1,133 |
| Pretax return on assets | 2.1067% | 800 |
| Return on Equity (ROE) | 13.1590% | 1,626 |
| Retained earnings to average equity (ytd only) | 13.1590% | 883 |
| Net charge-offs to loans | -0.0759% | 4,548 |
| Credit loss provision to net charge-offs | -185.1852% | 2,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6209% | 2,653 |
| Assets per employee ($millions) | 4.3922% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,835 |
| Loan loss allowance to noncurrent loans | 388.6845% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,281 |
| Noncurrent loans to loans | 0.2573% | 3,184 |
| Net loans and leases to total assets | 68.5105% | 1,465 |
| Net loans and leases to deposits | 83.7638% | 1,173 |
| Net loans and leases to core deposits | 98.5644% | 778 |
| Total domestic deposits to total assets | 81.7901% | 3,932 |
| Equity capital to assets | 12.1909% | 1,206 |
| Core capital (leverage) ratio | 12.3797% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6744% | 827 |
| Memoranda: | ||
| Average total assets | $595,423,500 | 1,458 |
| Average earning assets | $555,776,000 | 1,456 |
| Average equity | $73,410,000 | 1,304 |
| Average total loans | $426,634,000 | 1,343 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 2,515 |
| Cost of funding earning assets | 0.8190% | 1,132 |
| Net interest margin | 3.2512% | 3,206 |
| Noninterest income to average assets | 2.9651% | 200 |
| Noninterest expense to average assets | 3.8086% | 454 |
| Loan and lease loss provision to assets | 0.2241% | 1,743 |
| Net operating income to assets | 1.5051% | 796 |
| Return on assets (ROA) | 1.6104% | 678 |
| Pretax return on assets | 2.0868% | 372 |
| Return on Equity (ROE) | 12.8193% | 1,087 |
| Retained earnings to average equity (ytd only) | 7.2057% | 1,317 |
| Net charge-offs to loans | 0.1807% | 929 |
| Credit loss provision to net charge-offs | 174.0638% | 2,296 |
| Earnings coverage of net charge-offs (x) | 16.9140% | 2,105 |
| Efficiency ratio | 63.6220% | 2,876 |
| Assets per employee ($millions) | 4.1452% | 4,261 |
| Cash dividends to net income (ytd only)* | 43.7902% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 4,104 |
| Loan loss allowance to noncurrent loans | 258.0103% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 2,969 |
| Noncurrent loans to loans | 0.3594% | 2,911 |
| Net loans and leases to total assets | 73.5411% | 1,085 |
| Net loans and leases to deposits | 90.9040% | 857 |
| Net loans and leases to core deposits | 103.9981% | 724 |
| Total domestic deposits to total assets | 80.8997% | 3,891 |
| Equity capital to assets | 12.4744% | 1,340 |
| Core capital (leverage) ratio | 12.2686% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3435% | 854 |
| Memoranda: | ||
| Average total assets | $559,990,400 | 1,420 |
| Average earning assets | $520,385,200 | 1,408 |
| Average equity | $70,347,000 | 1,292 |
| Average total loans | $398,951,000 | 1,360 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 2,489 |
| Cost of funding earning assets | 0.8733% | 1,161 |
| Net interest margin | 3.2897% | 3,225 |
| Noninterest income to average assets | 2.8953% | 195 |
| Noninterest expense to average assets | 3.7524% | 485 |
| Loan and lease loss provision to assets | 0.1694% | 2,306 |
| Net operating income to assets | 1.5514% | 808 |
| Return on assets (ROA) | 1.6930% | 645 |
| Pretax return on assets | 2.2086% | 338 |
| Return on Equity (ROE) | 13.4522% | 987 |
| Retained earnings to average equity (ytd only) | 12.6904% | 356 |
| Net charge-offs to loans | -0.0153% | 4,342 |
| Credit loss provision to net charge-offs | -1,566.6667% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0531% | 2,906 |
| Assets per employee ($millions) | 4.2050% | 4,142 |
| Cash dividends to net income (ytd only)* | 5.6628% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,730 |
| Loan loss allowance to noncurrent loans | 343.6735% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,339 |
| Noncurrent loans to loans | 0.2893% | 3,239 |
| Net loans and leases to total assets | 73.2978% | 1,459 |
| Net loans and leases to deposits | 91.6056% | 1,110 |
| Net loans and leases to core deposits | 105.6684% | 858 |
| Total domestic deposits to total assets | 80.0146% | 3,863 |
| Equity capital to assets | 12.9693% | 1,196 |
| Core capital (leverage) ratio | 12.7558% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4501% | 728 |
| Memoranda: | ||
| Average total assets | $554,906,500 | 1,413 |
| Average earning assets | $515,452,250 | 1,404 |
| Average equity | $69,835,750 | 1,288 |
| Average total loans | $390,995,750 | 1,384 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 2,524 |
| Cost of funding earning assets | 0.9316% | 1,235 |
| Net interest margin | 3.3486% | 3,249 |
| Noninterest income to average assets | 2.4044% | 234 |
| Noninterest expense to average assets | 3.6912% | 587 |
| Loan and lease loss provision to assets | 0.1784% | 2,231 |
| Net operating income to assets | 1.2649% | 1,453 |
| Return on assets (ROA) | 1.4795% | 1,042 |
| Pretax return on assets | 1.9201% | 654 |
| Return on Equity (ROE) | 11.8816% | 1,360 |
| Retained earnings to average equity (ytd only) | 10.7148% | 652 |
| Net charge-offs to loans | -0.0274% | 4,504 |
| Credit loss provision to net charge-offs | -942.3077% | 3,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8932% | 2,395 |
| Assets per employee ($millions) | 4.3497% | 3,954 |
| Cash dividends to net income (ytd only)* | 9.8203% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,626 |
| Loan loss allowance to noncurrent loans | 690.0000% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,020 |
| Noncurrent loans to loans | 0.1433% | 3,888 |
| Net loans and leases to total assets | 70.8762% | 1,897 |
| Net loans and leases to deposits | 88.2246% | 1,533 |
| Net loans and leases to core deposits | 102.2654% | 1,100 |
| Total domestic deposits to total assets | 80.3360% | 3,763 |
| Equity capital to assets | 12.5972% | 1,338 |
| Core capital (leverage) ratio | 12.3127% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2049% | 749 |
| Memoranda: | ||
| Average total assets | $549,248,000 | 1,394 |
| Average earning assets | $510,728,000 | 1,397 |
| Average equity | $68,391,333 | 1,296 |
| Average total loans | $380,198,667 | 1,395 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,282 |
| Cost of funding earning assets | 0.9977% | 1,430 |
| Net interest margin | 3.1838% | 3,901 |
| Noninterest income to average assets | 1.0637% | 754 |
| Noninterest expense to average assets | 3.4985% | 941 |
| Loan and lease loss provision to assets | 0.0333% | 3,353 |
| Net operating income to assets | 0.3927% | 4,152 |
| Return on assets (ROA) | 0.7510% | 3,167 |
| Pretax return on assets | 0.9402% | 3,030 |
| Return on Equity (ROE) | 6.0683% | 3,293 |
| Retained earnings to average equity (ytd only) | 6.0683% | 1,841 |
| Net charge-offs to loans | -0.0348% | 4,520 |
| Credit loss provision to net charge-offs | -140.6250% | 3,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9398% | 643 |
| Assets per employee ($millions) | 4.2155% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 3,986 |
| Loan loss allowance to noncurrent loans | 645.4380% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,113 |
| Noncurrent loans to loans | 0.1448% | 3,942 |
| Net loans and leases to total assets | 68.3941% | 2,490 |
| Net loans and leases to deposits | 84.8732% | 2,120 |
| Net loans and leases to core deposits | 104.3219% | 1,165 |
| Total domestic deposits to total assets | 80.5838% | 3,747 |
| Equity capital to assets | 12.3753% | 1,814 |
| Core capital (leverage) ratio | 12.3480% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0721% | 859 |
| Memoranda: | ||
| Average total assets | $541,141,500 | 1,374 |
| Average earning assets | $503,173,000 | 1,375 |
| Average equity | $66,971,000 | 1,315 |
| Average total loans | $367,908,500 | 1,392 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 3,429 |
| Cost of funding earning assets | 1.0158% | 1,658 |
| Net interest margin | 3.3224% | 3,940 |
| Noninterest income to average assets | 1.9119% | 280 |
| Noninterest expense to average assets | 3.4085% | 1,102 |
| Loan and lease loss provision to assets | 0.0144% | 3,725 |
| Net operating income to assets | 1.2406% | 1,903 |
| Return on assets (ROA) | 1.2526% | 1,945 |
| Pretax return on assets | 1.5946% | 1,497 |
| Return on Equity (ROE) | 9.9536% | 2,314 |
| Retained earnings to average equity (ytd only) | 3.1734% | 3,429 |
| Net charge-offs to loans | -0.0128% | 4,537 |
| Credit loss provision to net charge-offs | -174.4186% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1387% | 2,436 |
| Assets per employee ($millions) | 3.9284% | 4,001 |
| Cash dividends to net income (ytd only)* | 68.1184% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,661 |
| Loan loss allowance to noncurrent loans | 755.4585% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 4,215 |
| Noncurrent loans to loans | 0.1281% | 4,008 |
| Net loans and leases to total assets | 66.2608% | 2,917 |
| Net loans and leases to deposits | 82.4617% | 2,500 |
| Net loans and leases to core deposits | 102.3662% | 1,376 |
| Total domestic deposits to total assets | 80.3534% | 3,904 |
| Equity capital to assets | 12.3764% | 1,897 |
| Core capital (leverage) ratio | 12.3989% | 1,538 |
| Tier 1 risk-based capital ratio | 19.4296% | 1,430 |
| Total risk-based capital ratio | 20.4648% | 1,439 |
| Memoranda: | ||
| Average total assets | $520,582,400 | 1,372 |
| Average earning assets | $484,231,600 | 1,371 |
| Average equity | $65,513,800 | 1,289 |
| Average total loans | $336,188,400 | 1,471 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 3,465 |
| Cost of funding earning assets | 1.0048% | 1,745 |
| Net interest margin | 3.3597% | 3,961 |
| Noninterest income to average assets | 1.9462% | 276 |
| Noninterest expense to average assets | 3.3869% | 1,121 |
| Loan and lease loss provision to assets | 0.0193% | 3,521 |
| Net operating income to assets | 1.3059% | 1,834 |
| Return on assets (ROA) | 1.3218% | 1,837 |
| Pretax return on assets | 1.6840% | 1,387 |
| Return on Equity (ROE) | 10.4585% | 2,231 |
| Retained earnings to average equity (ytd only) | 8.3329% | 1,274 |
| Net charge-offs to loans | -0.0097% | 4,365 |
| Credit loss provision to net charge-offs | -312.5000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8006% | 2,619 |
| Assets per employee ($millions) | 3.9105% | 4,013 |
| Cash dividends to net income (ytd only)* | 20.3238% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,509 |
| Loan loss allowance to noncurrent loans | 566.8863% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 4,079 |
| Noncurrent loans to loans | 0.1784% | 3,896 |
| Net loans and leases to total assets | 64.7668% | 3,207 |
| Net loans and leases to deposits | 82.4595% | 2,625 |
| Net loans and leases to core deposits | 104.0007% | 1,325 |
| Total domestic deposits to total assets | 78.5438% | 4,257 |
| Equity capital to assets | 13.1563% | 1,538 |
| Core capital (leverage) ratio | 13.0038% | 1,341 |
| Tier 1 risk-based capital ratio | 21.5020% | 1,131 |
| Total risk-based capital ratio | 22.6077% | 1,123 |
| Memoranda: | ||
| Average total assets | $517,161,750 | 1,388 |
| Average earning assets | $480,863,750 | 1,382 |
| Average equity | $65,361,500 | 1,292 |
| Average total loans | $330,868,500 | 1,500 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 3,494 |
| Cost of funding earning assets | 0.9713% | 1,822 |
| Net interest margin | 3.3772% | 3,965 |
| Noninterest income to average assets | 1.8532% | 300 |
| Noninterest expense to average assets | 3.3740% | 1,145 |
| Loan and lease loss provision to assets | 0.0291% | 3,237 |
| Net operating income to assets | 1.2457% | 1,979 |
| Return on assets (ROA) | 1.2647% | 1,965 |
| Pretax return on assets | 1.6145% | 1,502 |
| Return on Equity (ROE) | 10.1461% | 2,321 |
| Retained earnings to average equity (ytd only) | 8.0044% | 1,395 |
| Net charge-offs to loans | -0.0275% | 4,652 |
| Credit loss provision to net charge-offs | -166.6667% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5667% | 2,603 |
| Assets per employee ($millions) | 3.7635% | 4,166 |
| Cash dividends to net income (ytd only)* | 21.1091% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,273 |
| Loan loss allowance to noncurrent loans | 242.0979% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 3,422 |
| Noncurrent loans to loans | 0.4388% | 2,957 |
| Net loans and leases to total assets | 61.1922% | 3,630 |
| Net loans and leases to deposits | 77.3960% | 3,203 |
| Net loans and leases to core deposits | 97.1688% | 1,961 |
| Total domestic deposits to total assets | 79.0638% | 4,204 |
| Equity capital to assets | 12.6340% | 1,783 |
| Core capital (leverage) ratio | 12.7480% | 1,425 |
| Tier 1 risk-based capital ratio | 21.8025% | 1,078 |
| Total risk-based capital ratio | 22.9560% | 1,066 |
| Memoranda: | ||
| Average total assets | $516,182,000 | 1,387 |
| Average earning assets | $479,988,670 | 1,382 |
| Average equity | $64,340,000 | 1,301 |
| Average total loans | $327,726,670 | 1,523 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 3,510 |
| Cost of funding earning assets | 0.9276% | 1,893 |
| Net interest margin | 3.3896% | 3,916 |
| Noninterest income to average assets | 1.6201% | 337 |
| Noninterest expense to average assets | 3.0633% | 1,820 |
| Loan and lease loss provision to assets | 0.0235% | 3,126 |
| Net operating income to assets | 1.3155% | 1,642 |
| Return on assets (ROA) | 1.3155% | 1,687 |
| Pretax return on assets | 1.6867% | 1,245 |
| Return on Equity (ROE) | 10.6285% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.9958% | 1,035 |
| Net charge-offs to loans | -0.0414% | 4,774 |
| Credit loss provision to net charge-offs | -88.2353% | 3,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1732% | 3,210 |
| Assets per employee ($millions) | 3.9005% | 4,065 |
| Cash dividends to net income (ytd only)* | 5.9524% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,454 |
| Loan loss allowance to noncurrent loans | 245.8484% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 3,478 |
| Noncurrent loans to loans | 0.4237% | 3,071 |
| Net loans and leases to total assets | 62.8309% | 3,420 |
| Net loans and leases to deposits | 79.1251% | 2,939 |
| Net loans and leases to core deposits | 101.6276% | 1,495 |
| Total domestic deposits to total assets | 79.4070% | 4,273 |
| Equity capital to assets | 12.5634% | 1,696 |
| Core capital (leverage) ratio | 12.6809% | 1,413 |
| Tier 1 risk-based capital ratio | 21.5501% | 1,102 |
| Total risk-based capital ratio | 22.6888% | 1,096 |
| Memoranda: | ||
| Average total assets | $510,830,000 | 1,409 |
| Average earning assets | $475,221,000 | 1,404 |
| Average equity | $63,226,500 | 1,310 |
| Average total loans | $328,652,500 | 1,525 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 3,670 |
| Cost of funding earning assets | 0.7429% | 1,834 |
| Net interest margin | 3.3812% | 4,048 |
| Noninterest income to average assets | 1.5259% | 397 |
| Noninterest expense to average assets | 3.2393% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1318% | 2,463 |
| Return on assets (ROA) | 1.1337% | 2,459 |
| Pretax return on assets | 1.4298% | 2,034 |
| Return on Equity (ROE) | 9.2287% | 2,871 |
| Retained earnings to average equity (ytd only) | 2.6474% | 4,080 |
| Net charge-offs to loans | -0.0781% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4124% | 2,304 |
| Assets per employee ($millions) | 3.8393% | 4,117 |
| Cash dividends to net income (ytd only)* | 71.3131% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,607 |
| Loan loss allowance to noncurrent loans | 690.4959% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,292 |
| Noncurrent loans to loans | 0.1465% | 4,086 |
| Net loans and leases to total assets | 64.5357% | 3,295 |
| Net loans and leases to deposits | 81.3585% | 2,805 |
| Net loans and leases to core deposits | 103.9880% | 1,415 |
| Total domestic deposits to total assets | 79.3227% | 4,248 |
| Equity capital to assets | 12.1880% | 1,767 |
| Core capital (leverage) ratio | 12.4447% | 1,486 |
| Tier 1 risk-based capital ratio | 20.6833% | 1,196 |
| Total risk-based capital ratio | 21.7829% | 1,194 |
| Memoranda: | ||
| Average total assets | $501,805,400 | 1,406 |
| Average earning assets | $466,131,600 | 1,401 |
| Average equity | $61,644,600 | 1,290 |
| Average total loans | $321,533,000 | 1,509 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 3,776 |
| Cost of funding earning assets | 0.7048% | 1,820 |
| Net interest margin | 3.3490% | 4,159 |
| Noninterest income to average assets | 1.5569% | 402 |
| Noninterest expense to average assets | 3.2126% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1500% | 2,438 |
| Return on assets (ROA) | 1.1526% | 2,436 |
| Pretax return on assets | 1.4586% | 2,033 |
| Return on Equity (ROE) | 9.3635% | 2,925 |
| Retained earnings to average equity (ytd only) | 7.2926% | 1,976 |
| Net charge-offs to loans | -0.1148% | 5,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8217% | 2,384 |
| Assets per employee ($millions) | 3.9643% | 3,944 |
| Cash dividends to net income (ytd only)* | 22.1170% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,499 |
| Loan loss allowance to noncurrent loans | 529.0881% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 4,229 |
| Noncurrent loans to loans | 0.1974% | 4,002 |
| Net loans and leases to total assets | 63.3135% | 3,507 |
| Net loans and leases to deposits | 80.6729% | 2,964 |
| Net loans and leases to core deposits | 100.0722% | 1,789 |
| Total domestic deposits to total assets | 78.4817% | 4,406 |
| Equity capital to assets | 12.4105% | 1,643 |
| Core capital (leverage) ratio | 12.9425% | 1,308 |
| Tier 1 risk-based capital ratio | 21.7767% | 1,078 |
| Total risk-based capital ratio | 22.9115% | 1,078 |
| Memoranda: | ||
| Average total assets | $500,558,750 | 1,412 |
| Average earning assets | $465,002,000 | 1,406 |
| Average equity | $61,613,750 | 1,292 |
| Average total loans | $319,315,250 | 1,525 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 3,789 |
| Cost of funding earning assets | 0.6690% | 1,818 |
| Net interest margin | 3.3303% | 4,160 |
| Noninterest income to average assets | 1.5156% | 421 |
| Noninterest expense to average assets | 3.3079% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0390% | 2,854 |
| Return on assets (ROA) | 1.0429% | 2,838 |
| Pretax return on assets | 1.3075% | 2,477 |
| Return on Equity (ROE) | 8.4958% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.6075% | 2,257 |
| Net charge-offs to loans | -0.1702% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7461% | 2,046 |
| Assets per employee ($millions) | 3.7941% | 4,220 |
| Cash dividends to net income (ytd only)* | 22.2265% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 3,735 |
| Loan loss allowance to noncurrent loans | 424.3687% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 3,964 |
| Noncurrent loans to loans | 0.2396% | 3,844 |
| Net loans and leases to total assets | 65.3181% | 3,239 |
| Net loans and leases to deposits | 83.0507% | 2,645 |
| Net loans and leases to core deposits | 100.6176% | 1,682 |
| Total domestic deposits to total assets | 78.6485% | 4,481 |
| Equity capital to assets | 12.3113% | 1,652 |
| Core capital (leverage) ratio | 12.6538% | 1,364 |
| Tier 1 risk-based capital ratio | 20.9683% | 1,181 |
| Total risk-based capital ratio | 22.0828% | 1,178 |
| Memoranda: | ||
| Average total assets | $499,591,670 | 1,417 |
| Average earning assets | $464,285,670 | 1,408 |
| Average equity | $61,324,330 | 1,297 |
| Average total loans | $318,379,330 | 1,532 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,002 |
| Cost of funding earning assets | 0.6369% | 1,797 |
| Net interest margin | 3.2381% | 4,348 |
| Noninterest income to average assets | 1.3596% | 508 |
| Noninterest expense to average assets | 3.0735% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0376% | 2,698 |
| Return on assets (ROA) | 1.0453% | 2,683 |
| Pretax return on assets | 1.3075% | 2,337 |
| Return on Equity (ROE) | 8.5288% | 3,141 |
| Retained earnings to average equity (ytd only) | 8.5288% | 1,652 |
| Net charge-offs to loans | -0.2843% | 5,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3099% | 2,437 |
| Assets per employee ($millions) | 3.8161% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,806 |
| Loan loss allowance to noncurrent loans | 764.8961% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,663 |
| Noncurrent loans to loans | 0.1341% | 4,366 |
| Net loans and leases to total assets | 62.9466% | 3,427 |
| Net loans and leases to deposits | 79.6724% | 2,847 |
| Net loans and leases to core deposits | 94.0415% | 2,134 |
| Total domestic deposits to total assets | 79.0068% | 4,577 |
| Equity capital to assets | 12.0447% | 1,756 |
| Core capital (leverage) ratio | 12.7337% | 1,278 |
| Tier 1 risk-based capital ratio | 20.9322% | 1,212 |
| Total risk-based capital ratio | 22.0408% | 1,212 |
| Memoranda: | ||
| Average total assets | $498,974,500 | 1,428 |
| Average earning assets | $464,093,000 | 1,420 |
| Average equity | $61,157,500 | 1,305 |
| Average total loans | $312,323,500 | 1,547 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,243 |
| Cost of funding earning assets | 0.5868% | 1,698 |
| Net interest margin | 3.1537% | 4,563 |
| Noninterest income to average assets | 1.5496% | 437 |
| Noninterest expense to average assets | 3.1923% | 1,626 |
| Loan and lease loss provision to assets | 0.0182% | 3,936 |
| Net operating income to assets | 0.9511% | 2,444 |
| Return on assets (ROA) | 0.9638% | 2,424 |
| Pretax return on assets | 1.3005% | 2,348 |
| Return on Equity (ROE) | 7.6750% | 2,969 |
| Retained earnings to average equity (ytd only) | 1.0682% | 4,606 |
| Net charge-offs to loans | 0.0181% | 3,496 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 119.3148% | 566 |
| Efficiency ratio | 71.0375% | 2,391 |
| Assets per employee ($millions) | 3.6873% | 4,451 |
| Cash dividends to net income (ytd only)* | 86.0826% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,786 |
| Loan loss allowance to noncurrent loans | 548.8455% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 4,564 |
| Noncurrent loans to loans | 0.1865% | 4,169 |
| Net loans and leases to total assets | 60.9218% | 3,739 |
| Net loans and leases to deposits | 78.0226% | 3,110 |
| Net loans and leases to core deposits | 91.3432% | 2,426 |
| Total domestic deposits to total assets | 78.0822% | 4,703 |
| Equity capital to assets | 12.4760% | 1,529 |
| Core capital (leverage) ratio | 12.5569% | 1,326 |
| Tier 1 risk-based capital ratio | 21.1821% | 1,112 |
| Total risk-based capital ratio | 22.2516% | 1,125 |
| Memoranda: | ||
| Average total assets | $495,034,800 | 1,414 |
| Average earning assets | $462,156,200 | 1,410 |
| Average equity | $62,162,800 | 1,273 |
| Average total loans | $297,548,200 | 1,581 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 4,332 |
| Cost of funding earning assets | 0.5733% | 1,720 |
| Net interest margin | 3.1217% | 4,649 |
| Noninterest income to average assets | 1.5660% | 444 |
| Noninterest expense to average assets | 3.1205% | 1,748 |
| Loan and lease loss provision to assets | 0.0097% | 3,942 |
| Net operating income to assets | 0.9828% | 2,627 |
| Return on assets (ROA) | 0.9948% | 2,629 |
| Pretax return on assets | 1.3696% | 2,220 |
| Return on Equity (ROE) | 7.9091% | 3,170 |
| Retained earnings to average equity (ytd only) | 6.0803% | 2,182 |
| Net charge-offs to loans | 0.0378% | 2,685 |
| Credit loss provision to net charge-offs | 42.8571% | 2,986 |
| Earnings coverage of net charge-offs (x) | 60.3795% | 989 |
| Efficiency ratio | 69.6014% | 2,601 |
| Assets per employee ($millions) | 3.7790% | 4,329 |
| Cash dividends to net income (ytd only)* | 23.1225% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 4,288 |
| Loan loss allowance to noncurrent loans | 894.6429% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,896 |
| Noncurrent loans to loans | 0.1070% | 4,631 |
| Net loans and leases to total assets | 62.3217% | 3,614 |
| Net loans and leases to deposits | 80.2631% | 2,945 |
| Net loans and leases to core deposits | 92.9158% | 2,356 |
| Total domestic deposits to total assets | 77.6468% | 4,777 |
| Equity capital to assets | 12.8905% | 1,445 |
| Core capital (leverage) ratio | 12.8475% | 1,271 |
| Tier 1 risk-based capital ratio | 21.5698% | 1,105 |
| Total risk-based capital ratio | 22.5943% | 1,123 |
| Memoranda: | ||
| Average total assets | $496,190,000 | 1,421 |
| Average earning assets | $463,712,750 | 1,416 |
| Average equity | $62,407,500 | 1,272 |
| Average total loans | $296,470,500 | 1,594 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 4,513 |
| Cost of funding earning assets | 0.5614% | 1,704 |
| Net interest margin | 3.0383% | 4,821 |
| Noninterest income to average assets | 1.4217% | 536 |
| Noninterest expense to average assets | 3.0054% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9320% | 2,754 |
| Return on assets (ROA) | 0.9331% | 2,810 |
| Pretax return on assets | 1.2590% | 2,538 |
| Return on Equity (ROE) | 7.4818% | 3,297 |
| Retained earnings to average equity (ytd only) | 5.3580% | 2,492 |
| Net charge-offs to loans | 0.0358% | 2,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 59.8846% | 950 |
| Efficiency ratio | 70.5030% | 2,585 |
| Assets per employee ($millions) | 3.8372% | 4,217 |
| Cash dividends to net income (ytd only)* | 28.3860% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,168 |
| Loan loss allowance to noncurrent loans | 880.3519% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,924 |
| Noncurrent loans to loans | 0.1132% | 4,669 |
| Net loans and leases to total assets | 60.2388% | 3,822 |
| Net loans and leases to deposits | 77.6251% | 3,151 |
| Net loans and leases to core deposits | 87.8291% | 2,716 |
| Total domestic deposits to total assets | 77.6022% | 4,881 |
| Equity capital to assets | 12.7827% | 1,480 |
| Core capital (leverage) ratio | 12.6333% | 1,325 |
| Tier 1 risk-based capital ratio | 21.6545% | 1,093 |
| Total risk-based capital ratio | 22.7015% | 1,099 |
| Memoranda: | ||
| Average total assets | $495,312,330 | 1,430 |
| Average earning assets | $463,161,330 | 1,418 |
| Average equity | $61,776,330 | 1,286 |
| Average total loans | $290,667,000 | 1,618 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 4,701 |
| Cost of funding earning assets | 0.5578% | 1,671 |
| Net interest margin | 2.9384% | 5,011 |
| Noninterest income to average assets | 1.1803% | 732 |
| Noninterest expense to average assets | 2.7336% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8977% | 2,776 |
| Return on assets (ROA) | 0.8977% | 2,824 |
| Pretax return on assets | 1.1940% | 2,619 |
| Return on Equity (ROE) | 7.2886% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.2886% | 1,756 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5992% | 2,956 |
| Assets per employee ($millions) | 4.0301% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,904 |
| Loan loss allowance to noncurrent loans | 814.4000% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 4,911 |
| Noncurrent loans to loans | 0.1308% | 4,663 |
| Net loans and leases to total assets | 57.2231% | 4,042 |
| Net loans and leases to deposits | 73.4802% | 3,453 |
| Net loans and leases to core deposits | 82.4289% | 3,053 |
| Total domestic deposits to total assets | 77.8755% | 4,980 |
| Equity capital to assets | 12.5013% | 1,530 |
| Core capital (leverage) ratio | 12.5388% | 1,320 |
| Tier 1 risk-based capital ratio | 21.7972% | 1,108 |
| Total risk-based capital ratio | 22.8787% | 1,106 |
| Memoranda: | ||
| Average total assets | $495,466,000 | 1,431 |
| Average earning assets | $463,246,000 | 1,423 |
| Average equity | $61,027,000 | 1,304 |
| Average total loans | $285,407,000 | 1,643 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4743% | 4,833 |
| Cost of funding earning assets | 0.6132% | 1,253 |
| Net interest margin | 2.8612% | 5,195 |
| Noninterest income to average assets | 1.4927% | 529 |
| Noninterest expense to average assets | 2.8941% | 2,691 |
| Loan and lease loss provision to assets | -0.0821% | 5,665 |
| Net operating income to assets | 1.0020% | 2,350 |
| Return on assets (ROA) | 1.0655% | 2,166 |
| Pretax return on assets | 1.4435% | 1,771 |
| Return on Equity (ROE) | 8.2960% | 2,784 |
| Retained earnings to average equity (ytd only) | 2.3452% | 4,193 |
| Net charge-offs to loans | -0.0331% | 5,283 |
| Credit loss provision to net charge-offs | 444.4444% | 720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4075% | 3,009 |
| Assets per employee ($millions) | 3.9619% | 4,041 |
| Cash dividends to net income (ytd only)* | 71.7312% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,860 |
| Loan loss allowance to noncurrent loans | 1,135.3160% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 4,645 |
| Noncurrent loans to loans | 0.0947% | 4,860 |
| Net loans and leases to total assets | 56.7514% | 4,195 |
| Net loans and leases to deposits | 72.6684% | 3,642 |
| Net loans and leases to core deposits | 81.3796% | 3,273 |
| Total domestic deposits to total assets | 78.0963% | 4,966 |
| Equity capital to assets | 12.1327% | 1,718 |
| Core capital (leverage) ratio | 12.4983% | 1,334 |
| Tier 1 risk-based capital ratio | 21.8606% | 1,104 |
| Total risk-based capital ratio | 22.9651% | 1,093 |
| Memoranda: | ||
| Average total assets | $487,369,000 | 1,413 |
| Average earning assets | $456,001,800 | 1,403 |
| Average equity | $62,596,800 | 1,247 |
| Average total loans | $271,966,000 | 1,660 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 4,896 |
| Cost of funding earning assets | 0.6252% | 1,170 |
| Net interest margin | 2.8432% | 5,281 |
| Noninterest income to average assets | 1.5236% | 528 |
| Noninterest expense to average assets | 2.8374% | 2,881 |
| Loan and lease loss provision to assets | -0.0549% | 5,728 |
| Net operating income to assets | 1.0461% | 2,215 |
| Return on assets (ROA) | 1.1322% | 1,983 |
| Pretax return on assets | 1.5168% | 1,662 |
| Return on Equity (ROE) | 8.6926% | 2,668 |
| Retained earnings to average equity (ytd only) | 7.6382% | 1,342 |
| Net charge-offs to loans | 0.0654% | 2,404 |
| Credit loss provision to net charge-offs | -151.5152% | 4,808 |
| Earnings coverage of net charge-offs (x) | 37.1506% | 1,293 |
| Efficiency ratio | 67.8088% | 3,259 |
| Assets per employee ($millions) | 4.0060% | 3,951 |
| Cash dividends to net income (ytd only)* | 12.1300% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,990 |
| Loan loss allowance to noncurrent loans | 913.2530% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 4,530 |
| Noncurrent loans to loans | 0.1177% | 4,868 |
| Net loans and leases to total assets | 57.5811% | 4,131 |
| Net loans and leases to deposits | 74.0715% | 3,592 |
| Net loans and leases to core deposits | 83.2262% | 3,193 |
| Total domestic deposits to total assets | 77.7372% | 4,957 |
| Equity capital to assets | 13.4724% | 1,256 |
| Core capital (leverage) ratio | 13.1697% | 1,123 |
| Tier 1 risk-based capital ratio | 23.7831% | 921 |
| Total risk-based capital ratio | 24.9353% | 914 |
| Memoranda: | ||
| Average total assets | $485,403,250 | 1,422 |
| Average earning assets | $454,270,000 | 1,413 |
| Average equity | $63,224,750 | 1,249 |
| Average total loans | $268,931,250 | 1,680 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4990% | 4,864 |
| Cost of funding earning assets | 0.6366% | 1,107 |
| Net interest margin | 2.8624% | 5,326 |
| Noninterest income to average assets | 1.4484% | 550 |
| Noninterest expense to average assets | 2.8198% | 2,964 |
| Loan and lease loss provision to assets | -0.0824% | 5,860 |
| Net operating income to assets | 1.0603% | 2,122 |
| Return on assets (ROA) | 1.0910% | 2,117 |
| Pretax return on assets | 1.4291% | 1,913 |
| Return on Equity (ROE) | 8.4725% | 2,760 |
| Retained earnings to average equity (ytd only) | 6.8733% | 1,682 |
| Net charge-offs to loans | 0.1656% | 1,343 |
| Credit loss provision to net charge-offs | -91.3242% | 4,593 |
| Earnings coverage of net charge-offs (x) | 14.4840% | 2,056 |
| Efficiency ratio | 68.3402% | 3,270 |
| Assets per employee ($millions) | 4.0196% | 3,867 |
| Cash dividends to net income (ytd only)* | 18.8750% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 4,026 |
| Loan loss allowance to noncurrent loans | 429.4461% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,715 |
| Noncurrent loans to loans | 0.2529% | 4,447 |
| Net loans and leases to total assets | 55.1667% | 4,397 |
| Net loans and leases to deposits | 70.2467% | 3,960 |
| Net loans and leases to core deposits | 79.2070% | 3,530 |
| Total domestic deposits to total assets | 78.5327% | 4,890 |
| Equity capital to assets | 13.2540% | 1,351 |
| Core capital (leverage) ratio | 12.7985% | 1,233 |
| Tier 1 risk-based capital ratio | 24.3544% | 869 |
| Total risk-based capital ratio | 25.5285% | 860 |
| Memoranda: | ||
| Average total assets | $485,630,000 | 1,426 |
| Average earning assets | $454,307,670 | 1,412 |
| Average equity | $62,531,670 | 1,264 |
| Average total loans | $264,528,000 | 1,705 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 4,874 |
| Cost of funding earning assets | 0.6389% | 1,110 |
| Net interest margin | 2.8702% | 5,364 |
| Noninterest income to average assets | 1.1944% | 771 |
| Noninterest expense to average assets | 2.5916% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9812% | 2,364 |
| Return on assets (ROA) | 1.0370% | 2,254 |
| Pretax return on assets | 1.3609% | 2,040 |
| Return on Equity (ROE) | 8.1733% | 2,817 |
| Retained earnings to average equity (ytd only) | 7.5236% | 1,653 |
| Net charge-offs to loans | -0.2497% | 5,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8083% | 3,665 |
| Assets per employee ($millions) | 4.1850% | 3,614 |
| Cash dividends to net income (ytd only)* | 7.9491% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 2,746 |
| Loan loss allowance to noncurrent loans | 400.4540% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 4,139 |
| Noncurrent loans to loans | 0.3328% | 4,240 |
| Net loans and leases to total assets | 53.8080% | 4,467 |
| Net loans and leases to deposits | 67.6001% | 4,100 |
| Net loans and leases to core deposits | 76.2602% | 3,657 |
| Total domestic deposits to total assets | 79.5975% | 4,836 |
| Equity capital to assets | 12.8622% | 1,480 |
| Core capital (leverage) ratio | 12.5993% | 1,301 |
| Tier 1 risk-based capital ratio | 24.1194% | 905 |
| Total risk-based capital ratio | 25.3715% | 887 |
| Memoranda: | ||
| Average total assets | $485,261,000 | 1,429 |
| Average earning assets | $453,910,500 | 1,411 |
| Average equity | $61,566,000 | 1,272 |
| Average total loans | $261,162,500 | 1,717 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5850% | 4,711 |
| Cost of funding earning assets | 0.7515% | 635 |
| Net interest margin | 2.8335% | 5,457 |
| Noninterest income to average assets | 1.0388% | 1,094 |
| Noninterest expense to average assets | 2.6796% | 3,652 |
| Loan and lease loss provision to assets | -0.3126% | 6,069 |
| Net operating income to assets | 1.0261% | 2,226 |
| Return on assets (ROA) | 1.0359% | 2,273 |
| Pretax return on assets | 1.3371% | 2,144 |
| Return on Equity (ROE) | 8.2178% | 2,827 |
| Retained earnings to average equity (ytd only) | 2.2305% | 4,450 |
| Net charge-offs to loans | -0.5844% | 6,100 |
| Credit loss provision to net charge-offs | 96.4630% | 2,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5918% | 2,816 |
| Assets per employee ($millions) | 4.0422% | 3,857 |
| Cash dividends to net income (ytd only)* | 72.8571% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,862 |
| Loan loss allowance to noncurrent loans | 449.8663% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,138 |
| Noncurrent loans to loans | 0.2904% | 4,420 |
| Net loans and leases to total assets | 52.4089% | 4,658 |
| Net loans and leases to deposits | 65.0597% | 4,395 |
| Net loans and leases to core deposits | 74.4403% | 3,897 |
| Total domestic deposits to total assets | 80.5550% | 4,596 |
| Equity capital to assets | 12.5120% | 1,618 |
| Core capital (leverage) ratio | 12.3634% | 1,419 |
| Tier 1 risk-based capital ratio | 25.5594% | 771 |
| Total risk-based capital ratio | 26.8121% | 753 |
| Memoranda: | ||
| Average total assets | $479,781,200 | 1,408 |
| Average earning assets | $449,121,200 | 1,384 |
| Average equity | $60,478,600 | 1,254 |
| Average total loans | $266,073,400 | 1,641 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 4,653 |
| Cost of funding earning assets | 0.7752% | 577 |
| Net interest margin | 2.8510% | 5,492 |
| Noninterest income to average assets | 1.0592% | 1,070 |
| Noninterest expense to average assets | 2.6473% | 3,730 |
| Loan and lease loss provision to assets | -0.1393% | 6,048 |
| Net operating income to assets | 0.9497% | 2,714 |
| Return on assets (ROA) | 0.9594% | 2,757 |
| Pretax return on assets | 1.2336% | 2,683 |
| Return on Equity (ROE) | 7.5970% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.1628% | 2,145 |
| Net charge-offs to loans | -0.1740% | 5,959 |
| Credit loss provision to net charge-offs | 142.8571% | 1,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9909% | 3,048 |
| Assets per employee ($millions) | 4.2484% | 3,429 |
| Cash dividends to net income (ytd only)* | 18.8790% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 3,556 |
| Loan loss allowance to noncurrent loans | 214.8199% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 4,309 |
| Noncurrent loans to loans | 0.5667% | 3,636 |
| Net loans and leases to total assets | 53.4157% | 4,629 |
| Net loans and leases to deposits | 67.3034% | 4,256 |
| Net loans and leases to core deposits | 76.2923% | 3,771 |
| Total domestic deposits to total assets | 79.3655% | 4,893 |
| Equity capital to assets | 12.9519% | 1,470 |
| Core capital (leverage) ratio | 12.7157% | 1,311 |
| Tier 1 risk-based capital ratio | 24.6220% | 887 |
| Total risk-based capital ratio | 25.8726% | 875 |
| Memoranda: | ||
| Average total assets | $478,461,250 | 1,416 |
| Average earning assets | $448,065,000 | 1,388 |
| Average equity | $60,425,500 | 1,264 |
| Average total loans | $268,196,750 | 1,637 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 4,694 |
| Cost of funding earning assets | 0.7987% | 505 |
| Net interest margin | 2.8112% | 5,593 |
| Noninterest income to average assets | 1.0161% | 1,146 |
| Noninterest expense to average assets | 2.6054% | 3,888 |
| Loan and lease loss provision to assets | -0.2092% | 6,186 |
| Net operating income to assets | 0.9657% | 2,558 |
| Return on assets (ROA) | 0.9805% | 2,606 |
| Pretax return on assets | 1.2713% | 2,466 |
| Return on Equity (ROE) | 7.8307% | 3,146 |
| Retained earnings to average equity (ytd only) | 5.8254% | 2,341 |
| Net charge-offs to loans | -0.3460% | 6,148 |
| Credit loss provision to net charge-offs | 106.6098% | 1,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4155% | 3,089 |
| Assets per employee ($millions) | 4.5997% | 2,829 |
| Cash dividends to net income (ytd only)* | 25.6082% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 3,629 |
| Loan loss allowance to noncurrent loans | 130.9628% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 3,536 |
| Noncurrent loans to loans | 0.9378% | 2,783 |
| Net loans and leases to total assets | 55.1100% | 4,437 |
| Net loans and leases to deposits | 67.1369% | 4,213 |
| Net loans and leases to core deposits | 76.4101% | 3,722 |
| Total domestic deposits to total assets | 82.0861% | 4,268 |
| Equity capital to assets | 12.5597% | 1,626 |
| Core capital (leverage) ratio | 12.4810% | 1,393 |
| Tier 1 risk-based capital ratio | 23.8616% | 971 |
| Total risk-based capital ratio | 25.1124% | 957 |
| Memoranda: | ||
| Average total assets | $477,925,330 | 1,428 |
| Average earning assets | $447,503,670 | 1,401 |
| Average equity | $59,841,330 | 1,286 |
| Average total loans | $271,065,000 | 1,623 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,666 |
| Cost of funding earning assets | 0.8142% | 465 |
| Net interest margin | 2.7939% | 5,654 |
| Noninterest income to average assets | 0.9102% | 1,358 |
| Noninterest expense to average assets | 2.5271% | 4,183 |
| Loan and lease loss provision to assets | -0.2512% | 6,290 |
| Net operating income to assets | 0.9570% | 2,464 |
| Return on assets (ROA) | 0.9755% | 2,497 |
| Pretax return on assets | 1.2761% | 2,371 |
| Return on Equity (ROE) | 7.8030% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.4681% | 1,781 |
| Net charge-offs to loans | -0.7322% | 6,292 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6354% | 3,230 |
| Assets per employee ($millions) | 4.2410% | 3,481 |
| Cash dividends to net income (ytd only)* | 4.2918% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 3,522 |
| Loan loss allowance to noncurrent loans | 176.3317% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 3,797 |
| Noncurrent loans to loans | 0.7256% | 3,444 |
| Net loans and leases to total assets | 56.4960% | 4,150 |
| Net loans and leases to deposits | 68.8627% | 3,872 |
| Net loans and leases to core deposits | 77.5596% | 3,422 |
| Total domestic deposits to total assets | 82.0415% | 4,498 |
| Equity capital to assets | 12.6765% | 1,583 |
| Core capital (leverage) ratio | 12.4714% | 1,373 |
| Tier 1 risk-based capital ratio | 24.0542% | 991 |
| Total risk-based capital ratio | 25.3062% | 974 |
| Memoranda: | ||
| Average total assets | $477,702,000 | 1,435 |
| Average earning assets | $447,539,000 | 1,404 |
| Average equity | $59,721,000 | 1,289 |
| Average total loans | $273,143,000 | 1,602 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 4,890 |
| Cost of funding earning assets | 0.9120% | 364 |
| Net interest margin | 2.7537% | 5,872 |
| Noninterest income to average assets | 0.7868% | 1,924 |
| Noninterest expense to average assets | 2.1676% | 5,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9243% | 2,752 |
| Return on assets (ROA) | 0.9940% | 2,489 |
| Pretax return on assets | 1.2837% | 2,297 |
| Return on Equity (ROE) | 8.2617% | 2,989 |
| Retained earnings to average equity (ytd only) | 2.3108% | 4,585 |
| Net charge-offs to loans | 0.2691% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.8949% | 2,959 |
| Efficiency ratio | 64.4959% | 4,507 |
| Assets per employee ($millions) | 4.4090% | 3,174 |
| Cash dividends to net income (ytd only)* | 72.0294% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 3,903 |
| Loan loss allowance to noncurrent loans | 67.3108% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2703% | 2,218 |
| Noncurrent loans to loans | 1.8072% | 1,589 |
| Net loans and leases to total assets | 56.4336% | 4,269 |
| Net loans and leases to deposits | 68.8024% | 4,051 |
| Net loans and leases to core deposits | 76.3199% | 3,673 |
| Total domestic deposits to total assets | 82.0228% | 4,414 |
| Equity capital to assets | 12.3259% | 1,752 |
| Core capital (leverage) ratio | 12.1085% | 1,559 |
| Tier 1 risk-based capital ratio | 23.0090% | 1,084 |
| Total risk-based capital ratio | 24.2598% | 1,058 |
| Memoranda: | ||
| Average total assets | $478,368,600 | 1,398 |
| Average earning assets | $447,145,800 | 1,368 |
| Average equity | $57,554,800 | 1,272 |
| Average total loans | $268,652,600 | 1,583 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6717% | 4,935 |
| Cost of funding earning assets | 0.9245% | 355 |
| Net interest margin | 2.7472% | 5,941 |
| Noninterest income to average assets | 0.7795% | 1,971 |
| Noninterest expense to average assets | 2.1155% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9411% | 2,725 |
| Return on assets (ROA) | 1.0153% | 2,442 |
| Pretax return on assets | 1.3288% | 2,276 |
| Return on Equity (ROE) | 8.4905% | 2,950 |
| Retained earnings to average equity (ytd only) | 7.0797% | 1,778 |
| Net charge-offs to loans | 0.3370% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.5318% | 3,068 |
| Efficiency ratio | 63.2144% | 4,683 |
| Assets per employee ($millions) | 4.5540% | 2,876 |
| Cash dividends to net income (ytd only)* | 16.6164% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,160 |
| Loan loss allowance to noncurrent loans | 48.5669% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 1,762 |
| Noncurrent loans to loans | 2.4971% | 1,174 |
| Net loans and leases to total assets | 57.1520% | 4,185 |
| Net loans and leases to deposits | 69.5390% | 3,970 |
| Net loans and leases to core deposits | 77.9067% | 3,550 |
| Total domestic deposits to total assets | 82.1870% | 4,414 |
| Equity capital to assets | 12.5358% | 1,675 |
| Core capital (leverage) ratio | 12.5542% | 1,378 |
| Tier 1 risk-based capital ratio | 23.3336% | 1,073 |
| Total risk-based capital ratio | 24.5844% | 1,054 |
| Memoranda: | ||
| Average total assets | $478,918,250 | 1,405 |
| Average earning assets | $447,518,000 | 1,381 |
| Average equity | $57,270,500 | 1,282 |
| Average total loans | $267,808,500 | 1,593 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 4,932 |
| Cost of funding earning assets | 0.9348% | 342 |
| Net interest margin | 2.7415% | 6,002 |
| Noninterest income to average assets | 0.7492% | 2,052 |
| Noninterest expense to average assets | 2.0385% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9798% | 2,407 |
| Return on assets (ROA) | 0.9917% | 2,431 |
| Pretax return on assets | 1.2881% | 2,304 |
| Return on Equity (ROE) | 8.4285% | 2,881 |
| Retained earnings to average equity (ytd only) | 6.4562% | 2,060 |
| Net charge-offs to loans | 0.1352% | 2,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.0335% | 1,753 |
| Efficiency ratio | 61.5656% | 5,066 |
| Assets per employee ($millions) | 4.3415% | 3,193 |
| Cash dividends to net income (ytd only)* | 23.4007% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 3,110 |
| Loan loss allowance to noncurrent loans | 59.3866% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4903% | 2,190 |
| Noncurrent loans to loans | 2.4418% | 1,281 |
| Net loans and leases to total assets | 54.3369% | 4,498 |
| Net loans and leases to deposits | 65.3788% | 4,339 |
| Net loans and leases to core deposits | 72.5887% | 3,988 |
| Total domestic deposits to total assets | 83.1108% | 4,262 |
| Equity capital to assets | 12.1851% | 1,860 |
| Core capital (leverage) ratio | 12.2592% | 1,519 |
| Tier 1 risk-based capital ratio | 23.3382% | 1,069 |
| Total risk-based capital ratio | 24.5919% | 1,051 |
| Memoranda: | ||
| Average total assets | $479,168,670 | 1,400 |
| Average earning assets | $447,785,330 | 1,374 |
| Average equity | $56,380,000 | 1,289 |
| Average total loans | $264,865,670 | 1,601 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 4,891 |
| Cost of funding earning assets | 0.9507% | 340 |
| Net interest margin | 2.7374% | 6,051 |
| Noninterest income to average assets | 0.6630% | 2,384 |
| Noninterest expense to average assets | 2.0519% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9145% | 2,577 |
| Return on assets (ROA) | 0.9217% | 2,616 |
| Pretax return on assets | 1.1779% | 2,579 |
| Return on Equity (ROE) | 7.9768% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.9768% | 1,604 |
| Net charge-offs to loans | 0.1240% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 17.0244% | 1,479 |
| Efficiency ratio | 63.7120% | 4,906 |
| Assets per employee ($millions) | 4.4983% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 3,195 |
| Loan loss allowance to noncurrent loans | 75.2094% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 2,692 |
| Noncurrent loans to loans | 1.9769% | 1,889 |
| Net loans and leases to total assets | 54.3763% | 4,371 |
| Net loans and leases to deposits | 65.1786% | 4,180 |
| Net loans and leases to core deposits | 72.3599% | 3,835 |
| Total domestic deposits to total assets | 83.4267% | 4,473 |
| Equity capital to assets | 11.7449% | 2,060 |
| Core capital (leverage) ratio | 12.1709% | 1,555 |
| Tier 1 risk-based capital ratio | 22.7177% | 1,179 |
| Total risk-based capital ratio | 23.9714% | 1,161 |
| Memoranda: | ||
| Average total assets | $477,802,500 | 1,410 |
| Average earning assets | $446,410,500 | 1,382 |
| Average equity | $55,210,000 | 1,307 |
| Average total loans | $264,447,000 | 1,613 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 5,449 |
| Cost of funding earning assets | 1.1019% | 278 |
| Net interest margin | 2.4822% | 6,384 |
| Noninterest income to average assets | 0.6420% | 2,852 |
| Noninterest expense to average assets | 1.9480% | 6,110 |
| Loan and lease loss provision to assets | 0.1628% | 2,240 |
| Net operating income to assets | 0.6889% | 3,847 |
| Return on assets (ROA) | 0.8519% | 3,098 |
| Pretax return on assets | 1.0674% | 3,083 |
| Return on Equity (ROE) | 7.3432% | 3,387 |
| Retained earnings to average equity (ytd only) | 0.6948% | 5,521 |
| Net charge-offs to loans | 0.2759% | 2,324 |
| Credit loss provision to net charge-offs | 107.2386% | 2,237 |
| Earnings coverage of net charge-offs (x) | 6.7601% | 2,990 |
| Efficiency ratio | 65.4896% | 4,653 |
| Assets per employee ($millions) | 4.5605% | 2,803 |
| Cash dividends to net income (ytd only)* | 90.5376% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,047 |
| Loan loss allowance to noncurrent loans | 42.3930% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 1,618 |
| Noncurrent loans to loans | 3.6133% | 845 |
| Net loans and leases to total assets | 54.6481% | 4,510 |
| Net loans and leases to deposits | 64.2483% | 4,483 |
| Net loans and leases to core deposits | 71.9720% | 4,070 |
| Total domestic deposits to total assets | 85.0576% | 3,711 |
| Equity capital to assets | 11.3623% | 2,275 |
| Core capital (leverage) ratio | 11.7977% | 1,758 |
| Tier 1 risk-based capital ratio | 22.1710% | 1,230 |
| Total risk-based capital ratio | 23.4253% | 1,205 |
| Memoranda: | ||
| Average total assets | $491,272,200 | 1,353 |
| Average earning assets | $461,648,200 | 1,316 |
| Average equity | $56,991,600 | 1,262 |
| Average total loans | $270,402,200 | 1,551 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 5,494 |
| Cost of funding earning assets | 1.1171% | 282 |
| Net interest margin | 2.4641% | 6,460 |
| Noninterest income to average assets | 0.6697% | 2,780 |
| Noninterest expense to average assets | 1.9712% | 6,065 |
| Loan and lease loss provision to assets | 0.2153% | 1,691 |
| Net operating income to assets | 0.6324% | 4,204 |
| Return on assets (ROA) | 0.8452% | 3,240 |
| Pretax return on assets | 1.0709% | 3,223 |
| Return on Equity (ROE) | 7.2496% | 3,519 |
| Retained earnings to average equity (ytd only) | 4.4430% | 3,509 |
| Net charge-offs to loans | 0.2777% | 2,161 |
| Credit loss provision to net charge-offs | 141.0935% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.6649% | 2,927 |
| Efficiency ratio | 65.9703% | 4,487 |
| Assets per employee ($millions) | 4.6626% | 2,629 |
| Cash dividends to net income (ytd only)* | 38.7137% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 3,116 |
| Loan loss allowance to noncurrent loans | 32.1009% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 2.8416% | 1,311 |
| Noncurrent loans to loans | 4.9115% | 621 |
| Net loans and leases to total assets | 54.2114% | 4,578 |
| Net loans and leases to deposits | 63.8846% | 4,533 |
| Net loans and leases to core deposits | 71.2908% | 4,177 |
| Total domestic deposits to total assets | 84.8583% | 3,813 |
| Equity capital to assets | 11.6489% | 2,171 |
| Core capital (leverage) ratio | 11.9205% | 1,718 |
| Tier 1 risk-based capital ratio | 22.5077% | 1,219 |
| Total risk-based capital ratio | 23.7623% | 1,202 |
| Memoranda: | ||
| Average total assets | $495,518,000 | 1,348 |
| Average earning assets | $466,202,250 | 1,314 |
| Average equity | $57,767,000 | 1,255 |
| Average total loans | $272,197,250 | 1,550 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 5,560 |
| Cost of funding earning assets | 1.1395% | 276 |
| Net interest margin | 2.4206% | 6,534 |
| Noninterest income to average assets | 0.6701% | 2,792 |
| Noninterest expense to average assets | 2.0126% | 6,022 |
| Loan and lease loss provision to assets | 0.3206% | 1,089 |
| Net operating income to assets | 0.4938% | 4,825 |
| Return on assets (ROA) | 0.8019% | 3,439 |
| Pretax return on assets | 1.0019% | 3,503 |
| Return on Equity (ROE) | 6.8770% | 3,683 |
| Retained earnings to average equity (ytd only) | 2.8697% | 4,488 |
| Net charge-offs to loans | 0.1913% | 2,605 |
| Credit loss provision to net charge-offs | 305.3435% | 845 |
| Earnings coverage of net charge-offs (x) | 8.9275% | 2,348 |
| Efficiency ratio | 68.2244% | 4,143 |
| Assets per employee ($millions) | 4.6876% | 2,531 |
| Cash dividends to net income (ytd only)* | 58.2709% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 2,905 |
| Loan loss allowance to noncurrent loans | 33.7545% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 2.9393% | 1,386 |
| Noncurrent loans to loans | 4.9413% | 663 |
| Net loans and leases to total assets | 53.5707% | 4,648 |
| Net loans and leases to deposits | 63.0914% | 4,611 |
| Net loans and leases to core deposits | 70.1740% | 4,254 |
| Total domestic deposits to total assets | 84.9096% | 3,933 |
| Equity capital to assets | 11.1346% | 2,624 |
| Core capital (leverage) ratio | 11.5997% | 1,859 |
| Tier 1 risk-based capital ratio | 21.7064% | 1,353 |
| Total risk-based capital ratio | 22.9508% | 1,321 |
| Memoranda: | ||
| Average total assets | $499,053,670 | 1,338 |
| Average earning assets | $470,043,330 | 1,301 |
| Average equity | $58,193,670 | 1,244 |
| Average total loans | $273,900,330 | 1,540 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 5,543 |
| Cost of funding earning assets | 1.1630% | 270 |
| Net interest margin | 2.4015% | 6,598 |
| Noninterest income to average assets | 0.5734% | 3,283 |
| Noninterest expense to average assets | 2.1114% | 5,891 |
| Loan and lease loss provision to assets | 0.4799% | 568 |
| Net operating income to assets | 0.2052% | 5,872 |
| Return on assets (ROA) | 0.7198% | 3,725 |
| Pretax return on assets | 0.8518% | 3,946 |
| Return on Equity (ROE) | 6.0375% | 4,026 |
| Retained earnings to average equity (ytd only) | 1.6368% | 5,162 |
| Net charge-offs to loans | 0.3717% | 1,529 |
| Credit loss provision to net charge-offs | 234.3750% | 971 |
| Earnings coverage of net charge-offs (x) | 3.5469% | 2,746 |
| Efficiency ratio | 74.4081% | 3,191 |
| Assets per employee ($millions) | 4.6935% | 2,664 |
| Cash dividends to net income (ytd only)* | 72.8889% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 3,495 |
| Loan loss allowance to noncurrent loans | 34.7232% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 2.9058% | 1,550 |
| Noncurrent loans to loans | 4.5442% | 910 |
| Net loans and leases to total assets | 54.1872% | 4,379 |
| Net loans and leases to deposits | 64.6396% | 4,237 |
| Net loans and leases to core deposits | 71.3864% | 3,900 |
| Total domestic deposits to total assets | 83.8297% | 4,548 |
| Equity capital to assets | 11.9053% | 2,108 |
| Core capital (leverage) ratio | 11.5943% | 1,819 |
| Tier 1 risk-based capital ratio | 21.1206% | 1,509 |
| Total risk-based capital ratio | 22.3673% | 1,480 |
| Memoranda: | ||
| Average total assets | $500,138,500 | 1,347 |
| Average earning assets | $471,536,000 | 1,309 |
| Average equity | $59,627,500 | 1,230 |
| Average total loans | $275,501,000 | 1,542 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 5,778 |
| Cost of funding earning assets | 1.3020% | 369 |
| Net interest margin | 2.5174% | 6,705 |
| Noninterest income to average assets | 0.4996% | 3,902 |
| Noninterest expense to average assets | 1.9581% | 6,400 |
| Loan and lease loss provision to assets | 0.2317% | 2,820 |
| Net operating income to assets | 0.5704% | 4,375 |
| Return on assets (ROA) | 0.8452% | 3,324 |
| Pretax return on assets | 1.0332% | 3,419 |
| Return on Equity (ROE) | 6.7776% | 3,770 |
| Retained earnings to average equity (ytd only) | 0.4211% | 5,646 |
| Net charge-offs to loans | 0.4713% | 2,352 |
| Credit loss provision to net charge-offs | 87.7535% | 3,558 |
| Earnings coverage of net charge-offs (x) | 3.5218% | 3,694 |
| Efficiency ratio | 67.8029% | 4,184 |
| Assets per employee ($millions) | 5.2371% | 1,958 |
| Cash dividends to net income (ytd only)* | 93.7865% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 3,991 |
| Loan loss allowance to noncurrent loans | 31.1024% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 3.1934% | 1,456 |
| Noncurrent loans to loans | 4.6158% | 913 |
| Net loans and leases to total assets | 54.3224% | 4,577 |
| Net loans and leases to deposits | 65.6758% | 4,336 |
| Net loans and leases to core deposits | 73.2357% | 3,886 |
| Total domestic deposits to total assets | 82.7131% | 4,843 |
| Equity capital to assets | 11.9389% | 2,083 |
| Core capital (leverage) ratio | 11.3688% | 1,964 |
| Tier 1 risk-based capital ratio | 20.6884% | 1,526 |
| Total risk-based capital ratio | 21.9410% | 1,497 |
| Memoranda: | ||
| Average total assets | $485,571,000 | 1,369 |
| Average earning assets | $460,665,800 | 1,324 |
| Average equity | $60,552,600 | 1,179 |
| Average total loans | $272,041,000 | 1,529 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 5,875 |
| Cost of funding earning assets | 1.3174% | 409 |
| Net interest margin | 2.5473% | 6,797 |
| Noninterest income to average assets | 0.4649% | 4,180 |
| Noninterest expense to average assets | 1.9805% | 6,380 |
| Loan and lease loss provision to assets | 0.1454% | 3,717 |
| Net operating income to assets | 0.6474% | 4,155 |
| Return on assets (ROA) | 0.7602% | 3,897 |
| Pretax return on assets | 0.8929% | 4,138 |
| Return on Equity (ROE) | 6.0288% | 4,318 |
| Retained earnings to average equity (ytd only) | 2.9924% | 4,760 |
| Net charge-offs to loans | 0.2570% | 3,185 |
| Credit loss provision to net charge-offs | 100.5747% | 2,941 |
| Earnings coverage of net charge-offs (x) | 6.2625% | 2,824 |
| Efficiency ratio | 68.6216% | 3,943 |
| Assets per employee ($millions) | 5.1567% | 1,986 |
| Cash dividends to net income (ytd only)* | 50.3643% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 3,788 |
| Loan loss allowance to noncurrent loans | 30.7818% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 3.3669% | 1,503 |
| Noncurrent loans to loans | 4.9918% | 906 |
| Net loans and leases to total assets | 53.0118% | 4,910 |
| Net loans and leases to deposits | 63.7723% | 4,742 |
| Net loans and leases to core deposits | 71.6782% | 4,294 |
| Total domestic deposits to total assets | 83.1267% | 4,593 |
| Equity capital to assets | 12.3963% | 1,967 |
| Core capital (leverage) ratio | 11.7464% | 1,813 |
| Tier 1 risk-based capital ratio | 21.5615% | 1,411 |
| Total risk-based capital ratio | 22.8144% | 1,384 |
| Memoranda: | ||
| Average total assets | $481,273,500 | 1,398 |
| Average earning assets | $457,462,000 | 1,353 |
| Average equity | $60,684,750 | 1,184 |
| Average total loans | $270,778,750 | 1,543 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 5,863 |
| Cost of funding earning assets | 1.3425% | 443 |
| Net interest margin | 2.5786% | 6,840 |
| Noninterest income to average assets | 0.4093% | 4,583 |
| Noninterest expense to average assets | 1.7883% | 6,765 |
| Loan and lease loss provision to assets | 0.1790% | 3,305 |
| Net operating income to assets | 0.7466% | 3,623 |
| Return on assets (ROA) | 0.8198% | 3,559 |
| Pretax return on assets | 0.9782% | 3,793 |
| Return on Equity (ROE) | 6.4637% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.3829% | 4,353 |
| Net charge-offs to loans | 0.3944% | 2,444 |
| Credit loss provision to net charge-offs | 79.4393% | 3,335 |
| Earnings coverage of net charge-offs (x) | 4.7495% | 2,997 |
| Efficiency ratio | 62.5663% | 5,155 |
| Assets per employee ($millions) | 5.2714% | 1,846 |
| Cash dividends to net income (ytd only)* | 47.6631% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 4,134 |
| Loan loss allowance to noncurrent loans | 41.3287% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 2.8008% | 1,967 |
| Noncurrent loans to loans | 3.5701% | 1,606 |
| Net loans and leases to total assets | 54.2411% | 4,757 |
| Net loans and leases to deposits | 65.4764% | 4,580 |
| Net loans and leases to core deposits | 72.8654% | 4,187 |
| Total domestic deposits to total assets | 82.8406% | 4,810 |
| Equity capital to assets | 12.3054% | 1,930 |
| Core capital (leverage) ratio | 11.8974% | 1,654 |
| Tier 1 risk-based capital ratio | 21.1768% | 1,446 |
| Total risk-based capital ratio | 22.4300% | 1,422 |
| Memoranda: | ||
| Average total assets | $474,965,330 | 1,412 |
| Average earning assets | $451,093,670 | 1,369 |
| Average equity | $60,244,330 | 1,187 |
| Average total loans | $271,271,000 | 1,545 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 5,734 |
| Cost of funding earning assets | 1.3821% | 451 |
| Net interest margin | 2.6262% | 6,858 |
| Noninterest income to average assets | 0.2961% | 5,500 |
| Noninterest expense to average assets | 1.7956% | 6,798 |
| Loan and lease loss provision to assets | 0.2367% | 2,575 |
| Net operating income to assets | 0.6589% | 4,086 |
| Return on assets (ROA) | 0.7420% | 3,902 |
| Pretax return on assets | 0.8505% | 4,226 |
| Return on Equity (ROE) | 5.7582% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.6493% | 3,780 |
| Net charge-offs to loans | 0.6284% | 1,539 |
| Credit loss provision to net charge-offs | 64.7059% | 3,021 |
| Earnings coverage of net charge-offs (x) | 2.7106% | 3,096 |
| Efficiency ratio | 64.4225% | 4,848 |
| Assets per employee ($millions) | 5.1487% | 2,059 |
| Cash dividends to net income (ytd only)* | 19.2575% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 4,348 |
| Loan loss allowance to noncurrent loans | 45.8257% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 2.7468% | 2,142 |
| Noncurrent loans to loans | 3.1811% | 2,022 |
| Net loans and leases to total assets | 56.8694% | 4,236 |
| Net loans and leases to deposits | 68.9776% | 3,880 |
| Net loans and leases to core deposits | 77.2136% | 3,436 |
| Total domestic deposits to total assets | 82.4462% | 5,145 |
| Equity capital to assets | 12.7341% | 1,579 |
| Core capital (leverage) ratio | 12.4495% | 1,362 |
| Tier 1 risk-based capital ratio | 21.0226% | 1,492 |
| Total risk-based capital ratio | 22.2756% | 1,461 |
| Memoranda: | ||
| Average total assets | $464,694,000 | 1,438 |
| Average earning assets | $440,788,500 | 1,394 |
| Average equity | $59,879,500 | 1,188 |
| Average total loans | $270,509,500 | 1,552 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 5,870 |
| Cost of funding earning assets | 1.5171% | 667 |
| Net interest margin | 2.7475% | 6,886 |
| Noninterest income to average assets | 0.3041% | 5,362 |
| Noninterest expense to average assets | 1.7882% | 6,970 |
| Loan and lease loss provision to assets | 0.3004% | 3,264 |
| Net operating income to assets | 0.6894% | 3,540 |
| Return on assets (ROA) | 0.8427% | 3,017 |
| Pretax return on assets | 1.0141% | 3,190 |
| Return on Equity (ROE) | 6.4369% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.9236% | 3,415 |
| Net charge-offs to loans | 0.3532% | 3,633 |
| Credit loss provision to net charge-offs | 139.3355% | 2,120 |
| Earnings coverage of net charge-offs (x) | 5.2412% | 2,855 |
| Efficiency ratio | 61.2796% | 5,566 |
| Assets per employee ($millions) | 4.9533% | 2,264 |
| Cash dividends to net income (ytd only)* | 39.0458% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,810 |
| Loan loss allowance to noncurrent loans | 50.1334% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.7893% | 2,174 |
| Noncurrent loans to loans | 3.0816% | 2,097 |
| Net loans and leases to total assets | 57.8265% | 4,401 |
| Net loans and leases to deposits | 70.8599% | 3,972 |
| Net loans and leases to core deposits | 80.7573% | 3,352 |
| Total domestic deposits to total assets | 81.6069% | 5,263 |
| Equity capital to assets | 13.0434% | 1,463 |
| Core capital (leverage) ratio | 12.4104% | 1,385 |
| Tier 1 risk-based capital ratio | 21.5055% | 1,319 |
| Total risk-based capital ratio | 22.7598% | 1,287 |
| Memoranda: | ||
| Average total assets | $432,788,200 | 1,509 |
| Average earning assets | $411,760,400 | 1,451 |
| Average equity | $56,657,600 | 1,199 |
| Average total loans | $264,119,200 | 1,595 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 5,931 |
| Cost of funding earning assets | 1.5437% | 734 |
| Net interest margin | 2.7632% | 6,930 |
| Noninterest income to average assets | 0.2941% | 5,507 |
| Noninterest expense to average assets | 1.8295% | 6,950 |
| Loan and lease loss provision to assets | 0.3356% | 2,867 |
| Net operating income to assets | 0.6391% | 3,927 |
| Return on assets (ROA) | 0.8195% | 3,229 |
| Pretax return on assets | 0.9753% | 3,497 |
| Return on Equity (ROE) | 6.2541% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.2541% | 2,397 |
| Net charge-offs to loans | 0.1601% | 4,498 |
| Credit loss provision to net charge-offs | 340.1899% | 829 |
| Earnings coverage of net charge-offs (x) | 11.1108% | 1,842 |
| Efficiency ratio | 62.5333% | 5,327 |
| Assets per employee ($millions) | 4.8668% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 3,321 |
| Loan loss allowance to noncurrent loans | 44.9152% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 3.1375% | 2,035 |
| Noncurrent loans to loans | 3.7501% | 1,813 |
| Net loans and leases to total assets | 59.0160% | 4,317 |
| Net loans and leases to deposits | 72.1679% | 3,958 |
| Net loans and leases to core deposits | 84.8593% | 2,933 |
| Total domestic deposits to total assets | 81.7761% | 5,168 |
| Equity capital to assets | 13.2570% | 1,485 |
| Core capital (leverage) ratio | 12.8027% | 1,299 |
| Tier 1 risk-based capital ratio | 22.0112% | 1,286 |
| Total risk-based capital ratio | 23.2678% | 1,259 |
| Memoranda: | ||
| Average total assets | $427,058,250 | 1,540 |
| Average earning assets | $406,720,250 | 1,484 |
| Average equity | $55,962,000 | 1,215 |
| Average total loans | $263,235,250 | 1,613 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 5,833 |
| Cost of funding earning assets | 1.5681% | 796 |
| Net interest margin | 2.7889% | 6,937 |
| Noninterest income to average assets | 0.2780% | 5,661 |
| Noninterest expense to average assets | 1.7598% | 7,122 |
| Loan and lease loss provision to assets | 0.4284% | 2,284 |
| Net operating income to assets | 0.6401% | 3,855 |
| Return on assets (ROA) | 0.7697% | 3,336 |
| Pretax return on assets | 0.8887% | 3,659 |
| Return on Equity (ROE) | 5.8982% | 4,018 |
| Retained earnings to average equity (ytd only) | 5.8982% | 2,489 |
| Net charge-offs to loans | 0.2410% | 3,677 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 7.7905% | 2,165 |
| Efficiency ratio | 60.1040% | 5,853 |
| Assets per employee ($millions) | 5.1939% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 3,590 |
| Loan loss allowance to noncurrent loans | 45.6816% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 3.1204% | 2,153 |
| Noncurrent loans to loans | 3.5627% | 1,985 |
| Net loans and leases to total assets | 60.3060% | 4,217 |
| Net loans and leases to deposits | 74.5499% | 3,711 |
| Net loans and leases to core deposits | 87.9102% | 2,656 |
| Total domestic deposits to total assets | 80.8934% | 5,561 |
| Equity capital to assets | 13.0771% | 1,483 |
| Core capital (leverage) ratio | 13.0728% | 1,123 |
| Tier 1 risk-based capital ratio | 21.3918% | 1,347 |
| Total risk-based capital ratio | 22.6446% | 1,327 |
| Memoranda: | ||
| Average total assets | $420,164,000 | 1,574 |
| Average earning assets | $399,220,000 | 1,518 |
| Average equity | $54,830,330 | 1,228 |
| Average total loans | $261,391,670 | 1,647 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 5,579 |
| Cost of funding earning assets | 1.6184% | 765 |
| Net interest margin | 2.8132% | 6,885 |
| Noninterest income to average assets | 0.2485% | 5,913 |
| Noninterest expense to average assets | 1.8355% | 7,093 |
| Loan and lease loss provision to assets | 0.4368% | 2,019 |
| Net operating income to assets | 0.6377% | 3,818 |
| Return on assets (ROA) | 0.6377% | 3,888 |
| Pretax return on assets | 0.6455% | 4,508 |
| Return on Equity (ROE) | 4.8922% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.8922% | 3,255 |
| Net charge-offs to loans | 0.4800% | 2,271 |
| Credit loss provision to net charge-offs | 145.1613% | 1,952 |
| Earnings coverage of net charge-offs (x) | 3.5968% | 2,697 |
| Efficiency ratio | 62.9075% | 5,540 |
| Assets per employee ($millions) | 5.1095% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 4,196 |
| Loan loss allowance to noncurrent loans | 40.2099% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 3.3107% | 2,062 |
| Noncurrent loans to loans | 3.7373% | 1,977 |
| Net loans and leases to total assets | 61.1361% | 4,048 |
| Net loans and leases to deposits | 75.6066% | 3,477 |
| Net loans and leases to core deposits | 89.1231% | 2,470 |
| Total domestic deposits to total assets | 80.8608% | 5,699 |
| Equity capital to assets | 13.0060% | 1,381 |
| Core capital (leverage) ratio | 13.2583% | 1,041 |
| Tier 1 risk-based capital ratio | 21.3079% | 1,342 |
| Total risk-based capital ratio | 22.5613% | 1,317 |
| Memoranda: | ||
| Average total assets | $412,101,000 | 1,607 |
| Average earning assets | $391,011,000 | 1,550 |
| Average equity | $53,718,500 | 1,245 |
| Average total loans | $258,356,500 | 1,676 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 5,102 |
| Cost of funding earning assets | 1.6768% | 1,702 |
| Net interest margin | 3.2079% | 6,252 |
| Noninterest income to average assets | 0.2279% | 6,175 |
| Noninterest expense to average assets | 2.0257% | 6,975 |
| Loan and lease loss provision to assets | 1.6404% | 876 |
| Net operating income to assets | 0.0121% | 5,803 |
| Return on assets (ROA) | 0.0397% | 5,870 |
| Pretax return on assets | -0.3093% | 6,167 |
| Return on Equity (ROE) | 0.2737% | 5,888 |
| Retained earnings to average equity (ytd only) | -3.6095% | 6,167 |
| Net charge-offs to loans | 2.5278% | 742 |
| Credit loss provision to net charge-offs | 101.1926% | 4,483 |
| Earnings coverage of net charge-offs (x) | 0.7946% | 5,332 |
| Efficiency ratio | 61.1310% | 5,872 |
| Assets per employee ($millions) | 5.1294% | 1,976 |
| Cash dividends to net income (ytd only)* | 1,418.8312% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 4,196 |
| Loan loss allowance to noncurrent loans | 405.5974% | 767 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 4,556 |
| Noncurrent loans to loans | 0.3620% | 6,338 |
| Net loans and leases to total assets | 62.4076% | 4,200 |
| Net loans and leases to deposits | 77.0659% | 3,669 |
| Net loans and leases to core deposits | 90.8484% | 2,639 |
| Total domestic deposits to total assets | 80.9795% | 5,529 |
| Equity capital to assets | 13.0656% | 1,365 |
| Core capital (leverage) ratio | 13.0676% | 1,109 |
| Tier 1 risk-based capital ratio | 21.3281% | 1,271 |
| Total risk-based capital ratio | 22.5813% | 1,247 |
| Memoranda: | ||
| Average total assets | $387,965,600 | 1,696 |
| Average earning assets | $373,203,200 | 1,612 |
| Average equity | $56,268,400 | 1,178 |
| Average total loans | $248,790,200 | 1,769 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 5,710 |
| Cost of funding earning assets | 1.6575% | 2,057 |
| Net interest margin | 3.1315% | 6,534 |
| Noninterest income to average assets | 0.2134% | 6,384 |
| Noninterest expense to average assets | 1.9177% | 7,176 |
| Loan and lease loss provision to assets | 0.9241% | 1,627 |
| Net operating income to assets | 0.4594% | 4,493 |
| Return on assets (ROA) | 0.5161% | 4,426 |
| Pretax return on assets | 0.4518% | 5,072 |
| Return on Equity (ROE) | 3.4676% | 5,016 |
| Retained earnings to average equity (ytd only) | -0.2218% | 5,830 |
| Net charge-offs to loans | 1.4558% | 1,395 |
| Credit loss provision to net charge-offs | 98.6642% | 4,419 |
| Earnings coverage of net charge-offs (x) | 1.4085% | 4,674 |
| Efficiency ratio | 59.2441% | 6,073 |
| Assets per employee ($millions) | 5.1411% | 2,007 |
| Cash dividends to net income (ytd only)* | 106.3971% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 4,264 |
| Loan loss allowance to noncurrent loans | 281.9584% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 4,701 |
| Noncurrent loans to loans | 0.5104% | 6,177 |
| Net loans and leases to total assets | 60.8987% | 4,736 |
| Net loans and leases to deposits | 77.7554% | 3,873 |
| Net loans and leases to core deposits | 92.2269% | 2,768 |
| Total domestic deposits to total assets | 78.3209% | 6,193 |
| Equity capital to assets | 14.0926% | 1,140 |
| Core capital (leverage) ratio | 14.0801% | 903 |
| Tier 1 risk-based capital ratio | 22.7916% | 1,097 |
| Total risk-based capital ratio | 24.0446% | 1,064 |
| Memoranda: | ||
| Average total assets | $383,650,750 | 1,734 |
| Average earning assets | $370,421,750 | 1,654 |
| Average equity | $57,099,250 | 1,167 |
| Average total loans | $246,823,000 | 1,803 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 5,605 |
| Cost of funding earning assets | 1.6600% | 2,331 |
| Net interest margin | 3.1903% | 6,346 |
| Noninterest income to average assets | 0.2030% | 6,454 |
| Noninterest expense to average assets | 1.8850% | 7,286 |
| Loan and lease loss provision to assets | 0.2404% | 4,510 |
| Net operating income to assets | 0.9668% | 2,310 |
| Return on assets (ROA) | 0.9668% | 2,395 |
| Pretax return on assets | 1.1665% | 2,528 |
| Return on Equity (ROE) | 6.3719% | 3,608 |
| Retained earnings to average equity (ytd only) | 1.8764% | 4,930 |
| Net charge-offs to loans | 0.0016% | 6,363 |
| Credit loss provision to net charge-offs | 22,500.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,317.0000% | 15 |
| Efficiency ratio | 57.2611% | 6,481 |
| Assets per employee ($millions) | 4.9686% | 2,221 |
| Cash dividends to net income (ytd only)* | 70.5525% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,283 |
| Loan loss allowance to noncurrent loans | 316.3484% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 6,437 |
| Noncurrent loans to loans | 0.5190% | 6,218 |
| Net loans and leases to total assets | 64.0096% | 4,262 |
| Net loans and leases to deposits | 80.4451% | 3,525 |
| Net loans and leases to core deposits | 95.0212% | 2,588 |
| Total domestic deposits to total assets | 79.5692% | 5,869 |
| Equity capital to assets | 14.8091% | 923 |
| Core capital (leverage) ratio | 15.0657% | 711 |
| Tier 1 risk-based capital ratio | 22.2515% | 1,165 |
| Total risk-based capital ratio | 23.5063% | 1,137 |
| Memoranda: | ||
| Average total assets | $374,439,000 | 1,793 |
| Average earning assets | $362,536,670 | 1,695 |
| Average equity | $56,812,000 | 1,160 |
| Average total loans | $244,389,000 | 1,844 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 5,862 |
| Cost of funding earning assets | 1.7049% | 2,366 |
| Net interest margin | 3.1044% | 6,581 |
| Noninterest income to average assets | 0.1946% | 6,570 |
| Noninterest expense to average assets | 1.9593% | 7,232 |
| Loan and lease loss provision to assets | 0.2446% | 4,091 |
| Net operating income to assets | 0.8068% | 2,935 |
| Return on assets (ROA) | 0.8068% | 3,030 |
| Pretax return on assets | 0.9981% | 3,101 |
| Return on Equity (ROE) | 5.2511% | 4,235 |
| Retained earnings to average equity (ytd only) | 4.4514% | 3,485 |
| Net charge-offs to loans | -0.0216% | 7,093 |
| Credit loss provision to net charge-offs | -1,730.7692% | 6,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1885% | 5,967 |
| Assets per employee ($millions) | 5.0110% | 2,213 |
| Cash dividends to net income (ytd only)* | 15.2291% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 3,439 |
| Loan loss allowance to noncurrent loans | 156.1780% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 5,691 |
| Noncurrent loans to loans | 1.0251% | 5,283 |
| Net loans and leases to total assets | 65.1534% | 4,070 |
| Net loans and leases to deposits | 81.9108% | 3,295 |
| Net loans and leases to core deposits | 96.8003% | 2,488 |
| Total domestic deposits to total assets | 79.5419% | 5,934 |
| Equity capital to assets | 15.3024% | 809 |
| Core capital (leverage) ratio | 15.3694% | 675 |
| Tier 1 risk-based capital ratio | 22.6138% | 1,134 |
| Total risk-based capital ratio | 23.8563% | 1,109 |
| Memoranda: | ||
| Average total assets | $367,882,000 | 1,864 |
| Average earning assets | $356,393,500 | 1,757 |
| Average equity | $56,521,500 | 1,173 |
| Average total loans | $240,477,500 | 1,923 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 6,353 |
| Cost of funding earning assets | 1.8459% | 3,755 |
| Net interest margin | 3.1791% | 6,158 |
| Noninterest income to average assets | 0.2275% | 6,490 |
| Noninterest expense to average assets | 1.8910% | 7,519 |
| Loan and lease loss provision to assets | 0.5061% | 3,846 |
| Net operating income to assets | 0.7605% | 2,676 |
| Return on assets (ROA) | 0.9429% | 2,086 |
| Pretax return on assets | 1.1187% | 2,190 |
| Return on Equity (ROE) | 5.7555% | 3,309 |
| Retained earnings to average equity (ytd only) | 0.3578% | 4,705 |
| Net charge-offs to loans | 0.0511% | 6,589 |
| Credit loss provision to net charge-offs | 1,571.1712% | 202 |
| Earnings coverage of net charge-offs (x) | 43.7027% | 571 |
| Efficiency ratio | 57.3238% | 6,859 |
| Assets per employee ($millions) | 4.8660% | 2,389 |
| Cash dividends to net income (ytd only)* | 93.7827% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,397 |
| Loan loss allowance to noncurrent loans | 171.1245% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 5,806 |
| Noncurrent loans to loans | 0.9179% | 5,477 |
| Net loans and leases to total assets | 63.4958% | 4,706 |
| Net loans and leases to deposits | 80.2826% | 3,938 |
| Net loans and leases to core deposits | 126.4681% | 1,476 |
| Total domestic deposits to total assets | 79.0905% | 5,949 |
| Equity capital to assets | 15.4266% | 810 |
| Core capital (leverage) ratio | 15.5304% | 689 |
| Tier 1 risk-based capital ratio | 23.2436% | 1,015 |
| Total risk-based capital ratio | 24.4972% | 998 |
| Memoranda: | ||
| Average total assets | $344,583,400 | 1,981 |
| Average earning assets | $332,891,000 | 1,868 |
| Average equity | $56,450,400 | 1,166 |
| Average total loans | $217,340,000 | 2,123 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 6,409 |
| Cost of funding earning assets | 1.8667% | 4,063 |
| Net interest margin | 3.1959% | 6,036 |
| Noninterest income to average assets | 0.2341% | 6,551 |
| Noninterest expense to average assets | 1.8184% | 7,643 |
| Loan and lease loss provision to assets | 0.2486% | 4,966 |
| Net operating income to assets | 0.9719% | 2,156 |
| Return on assets (ROA) | 1.1998% | 1,524 |
| Pretax return on assets | 1.5415% | 1,299 |
| Return on Equity (ROE) | 7.2108% | 2,981 |
| Retained earnings to average equity (ytd only) | 3.6420% | 3,248 |
| Net charge-offs to loans | 0.0470% | 6,255 |
| Credit loss provision to net charge-offs | 844.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 50.8521% | 623 |
| Efficiency ratio | 54.8318% | 7,138 |
| Assets per employee ($millions) | 4.7621% | 2,456 |
| Cash dividends to net income (ytd only)* | 49.4927% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,348 |
| Loan loss allowance to noncurrent loans | 105.4282% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 5,566 |
| Noncurrent loans to loans | 1.1023% | 5,110 |
| Net loans and leases to total assets | 63.2778% | 5,022 |
| Net loans and leases to deposits | 82.2518% | 3,970 |
| Net loans and leases to core deposits | 127.1567% | 1,644 |
| Total domestic deposits to total assets | 76.9318% | 6,354 |
| Equity capital to assets | 16.7582% | 665 |
| Core capital (leverage) ratio | 16.8673% | 568 |
| Tier 1 risk-based capital ratio | 24.8713% | 912 |
| Total risk-based capital ratio | 26.0136% | 897 |
| Memoranda: | ||
| Average total assets | $339,491,000 | 2,023 |
| Average earning assets | $327,410,000 | 1,912 |
| Average equity | $56,488,000 | 1,186 |
| Average total loans | $212,818,000 | 2,192 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 6,343 |
| Cost of funding earning assets | 1.9075% | 4,222 |
| Net interest margin | 3.2158% | 5,856 |
| Noninterest income to average assets | 0.2381% | 6,576 |
| Noninterest expense to average assets | 1.7841% | 7,761 |
| Loan and lease loss provision to assets | 0.3115% | 4,079 |
| Net operating income to assets | 0.9434% | 2,301 |
| Return on assets (ROA) | 1.2852% | 1,352 |
| Pretax return on assets | 1.6767% | 1,057 |
| Return on Equity (ROE) | 7.7437% | 2,872 |
| Retained earnings to average equity (ytd only) | 4.3464% | 2,878 |
| Net charge-offs to loans | 0.0259% | 6,116 |
| Credit loss provision to net charge-offs | 1,933.3333% | 277 |
| Earnings coverage of net charge-offs (x) | 95.8519% | 397 |
| Efficiency ratio | 53.6034% | 7,374 |
| Assets per employee ($millions) | 4.5327% | 2,719 |
| Cash dividends to net income (ytd only)* | 43.8719% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 5,034 |
| Loan loss allowance to noncurrent loans | 137.9720% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 6,067 |
| Noncurrent loans to loans | 0.8606% | 5,496 |
| Net loans and leases to total assets | 62.6167% | 5,249 |
| Net loans and leases to deposits | 80.6809% | 4,442 |
| Net loans and leases to core deposits | 120.7175% | 2,298 |
| Total domestic deposits to total assets | 77.6103% | 6,175 |
| Equity capital to assets | 16.5006% | 748 |
| Core capital (leverage) ratio | 16.6475% | 658 |
| Tier 1 risk-based capital ratio | 25.0272% | 937 |
| Total risk-based capital ratio | 26.1557% | 932 |
| Memoranda: | ||
| Average total assets | $335,190,000 | 2,069 |
| Average earning assets | $322,095,330 | 1,970 |
| Average equity | $55,632,330 | 1,212 |
| Average total loans | $208,554,330 | 2,258 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 6,635 |
| Cost of funding earning assets | 1.9384% | 4,443 |
| Net interest margin | 3.1649% | 5,967 |
| Noninterest income to average assets | 0.2320% | 6,611 |
| Noninterest expense to average assets | 1.8401% | 7,648 |
| Loan and lease loss provision to assets | 0.1334% | 5,253 |
| Net operating income to assets | 0.9542% | 2,498 |
| Return on assets (ROA) | 1.6069% | 851 |
| Pretax return on assets | 2.1983% | 444 |
| Return on Equity (ROE) | 9.6532% | 2,470 |
| Retained earnings to average equity (ytd only) | 7.1984% | 2,133 |
| Net charge-offs to loans | 0.0605% | 4,619 |
| Credit loss provision to net charge-offs | 358.0645% | 1,417 |
| Earnings coverage of net charge-offs (x) | 38.5806% | 879 |
| Efficiency ratio | 56.1423% | 6,955 |
| Assets per employee ($millions) | 4.4554% | 2,795 |
| Cash dividends to net income (ytd only)* | 25.4301% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 6,031 |
| Loan loss allowance to noncurrent loans | 178.1380% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 6,365 |
| Noncurrent loans to loans | 0.5732% | 5,973 |
| Net loans and leases to total assets | 61.3449% | 5,439 |
| Net loans and leases to deposits | 79.2097% | 4,739 |
| Net loans and leases to core deposits | 119.2130% | 2,485 |
| Total domestic deposits to total assets | 77.4461% | 6,166 |
| Equity capital to assets | 16.5552% | 784 |
| Core capital (leverage) ratio | 17.0280% | 648 |
| Tier 1 risk-based capital ratio | 25.1253% | 973 |
| Total risk-based capital ratio | 26.0791% | 970 |
| Memoranda: | ||
| Average total assets | $332,809,500 | 2,095 |
| Average earning assets | $320,264,000 | 1,981 |
| Average equity | $55,401,500 | 1,233 |
| Average total loans | $205,119,500 | 2,314 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 6,764 |
| Cost of funding earning assets | 2.2717% | 5,281 |
| Net interest margin | 3.4330% | 5,532 |
| Noninterest income to average assets | 0.4376% | 5,137 |
| Noninterest expense to average assets | 1.8357% | 7,710 |
| Loan and lease loss provision to assets | 0.1846% | 5,047 |
| Net operating income to assets | 1.9148% | 420 |
| Return on assets (ROA) | 0.4388% | 4,817 |
| Pretax return on assets | 0.2256% | 5,671 |
| Return on Equity (ROE) | 2.5485% | 5,400 |
| Retained earnings to average equity (ytd only) | -1.5995% | 5,767 |
| Net charge-offs to loans | 0.0151% | 6,679 |
| Credit loss provision to net charge-offs | 2,142.8571% | 212 |
| Earnings coverage of net charge-offs (x) | 218.8929% | 216 |
| Efficiency ratio | 49.3220% | 7,708 |
| Assets per employee ($millions) | 4.3028% | 2,954 |
| Cash dividends to net income (ytd only)* | 162.7630% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 5,793 |
| Loan loss allowance to noncurrent loans | 157.3720% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 5,774 |
| Noncurrent loans to loans | 0.6533% | 5,409 |
| Net loans and leases to total assets | 60.6455% | 5,817 |
| Net loans and leases to deposits | 78.4961% | 5,269 |
| Net loans and leases to core deposits | 118.6638% | 2,819 |
| Total domestic deposits to total assets | 77.2592% | 5,928 |
| Equity capital to assets | 16.7413% | 805 |
| Core capital (leverage) ratio | 17.1165% | 687 |
| Tier 1 risk-based capital ratio | 25.5657% | 942 |
| Total risk-based capital ratio | 26.5170% | 943 |
| Memoranda: | ||
| Average total assets | $324,950,200 | 2,058 |
| Average earning assets | $310,868,200 | 1,959 |
| Average equity | $55,953,800 | 1,200 |
| Average total loans | $186,038,800 | 2,441 |