Home > Farmers Bank of Northern Missouri > Performance and Condition Ratios
Farmers Bank of Northern Missouri, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 3,023 |
| Cost of funding earning assets | 1.1586% | 2,914 |
| Net interest margin | 3.3844% | 2,435 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.2547% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1807% | 1,694 |
| Return on assets (ROA) | 1.1384% | 1,789 |
| Pretax return on assets | 1.2648% | 1,973 |
| Return on Equity (ROE) | 12.6300% | 1,809 |
| Retained earnings to average equity (ytd only) | 9.0148% | 1,251 |
| Net charge-offs to loans | -0.1430% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.2188% | 2,703 |
| Assets per employee ($millions) | 5.6053% | 3,155 |
| Cash dividends to net income (ytd only)* | 28.6327% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,080 |
| Loan loss allowance to noncurrent loans | 438.2558% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 2,399 |
| Noncurrent loans to loans | 0.3405% | 1,961 |
| Net loans and leases to total assets | 48.7800% | 3,675 |
| Net loans and leases to deposits | 58.9046% | 3,585 |
| Net loans and leases to core deposits | 62.4416% | 3,658 |
| Total domestic deposits to total assets | 82.8100% | 2,936 |
| Equity capital to assets | 9.7335% | 2,172 |
| Core capital (leverage) ratio | 12.3615% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $491,461,000 | 1,745 |
| Average earning assets | $452,612,200 | 1,746 |
| Average equity | $44,294,000 | 1,751 |
| Average total loans | $244,756,400 | 2,033 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 3,003 |
| Cost of funding earning assets | 1.0489% | 2,893 |
| Net interest margin | 3.4029% | 2,448 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.0403% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3427% | 1,438 |
| Return on assets (ROA) | 1.2843% | 1,570 |
| Pretax return on assets | 1.4755% | 1,617 |
| Return on Equity (ROE) | 14.5500% | 1,536 |
| Retained earnings to average equity (ytd only) | 12.1860% | 942 |
| Net charge-offs to loans | -0.2444% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.9452% | 3,319 |
| Assets per employee ($millions) | 5.4651% | 3,213 |
| Cash dividends to net income (ytd only)* | 16.2721% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 986 |
| Loan loss allowance to noncurrent loans | 522.8687% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,567 |
| Noncurrent loans to loans | 0.2967% | 2,175 |
| Net loans and leases to total assets | 50.4100% | 3,586 |
| Net loans and leases to deposits | 60.3163% | 3,490 |
| Net loans and leases to core deposits | 63.8948% | 3,530 |
| Total domestic deposits to total assets | 83.5800% | 2,881 |
| Equity capital to assets | 8.4109% | 2,780 |
| Core capital (leverage) ratio | 12.4983% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $486,780,750 | 1,757 |
| Average earning assets | $448,704,000 | 1,758 |
| Average equity | $42,955,250 | 1,775 |
| Average total loans | $242,802,500 | 2,040 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 3,142 |
| Cost of funding earning assets | 0.8483% | 3,076 |
| Net interest margin | 3.4267% | 2,459 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.0086% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3466% | 1,461 |
| Return on assets (ROA) | 1.2639% | 1,647 |
| Pretax return on assets | 1.4861% | 1,627 |
| Return on Equity (ROE) | 14.1000% | 1,663 |
| Retained earnings to average equity (ytd only) | 11.7698% | 1,036 |
| Net charge-offs to loans | -0.3747% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9177% | 3,430 |
| Assets per employee ($millions) | 5.5038% | 3,147 |
| Cash dividends to net income (ytd only)* | 16.5421% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 927 |
| Loan loss allowance to noncurrent loans | 686.4675% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,719 |
| Noncurrent loans to loans | 0.2336% | 2,329 |
| Net loans and leases to total assets | 48.9200% | 3,634 |
| Net loans and leases to deposits | 58.9941% | 3,481 |
| Net loans and leases to core deposits | 62.0219% | 3,538 |
| Total domestic deposits to total assets | 82.9200% | 3,066 |
| Equity capital to assets | 9.2569% | 2,341 |
| Core capital (leverage) ratio | 12.4666% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $486,909,667 | 1,756 |
| Average earning assets | $449,590,000 | 1,757 |
| Average equity | $43,637,000 | 1,759 |
| Average total loans | $240,713,000 | 2,045 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 3,142 |
| Cost of funding earning assets | 0.6874% | 3,090 |
| Net interest margin | 3.4619% | 2,471 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.0517% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2804% | 1,724 |
| Return on assets (ROA) | 1.2871% | 1,684 |
| Pretax return on assets | 1.5903% | 1,487 |
| Return on Equity (ROE) | 14.6000% | 1,645 |
| Retained earnings to average equity (ytd only) | 12.2197% | 1,226 |
| Net charge-offs to loans | -0.7538% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.4626% | 3,358 |
| Assets per employee ($millions) | 5.6458% | 3,072 |
| Cash dividends to net income (ytd only)* | 16.3252% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 936 |
| Loan loss allowance to noncurrent loans | 703.6036% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 2,721 |
| Noncurrent loans to loans | 0.2324% | 2,341 |
| Net loans and leases to total assets | 48.3800% | 3,603 |
| Net loans and leases to deposits | 56.8527% | 3,521 |
| Net loans and leases to core deposits | 59.5403% | 3,564 |
| Total domestic deposits to total assets | 85.0900% | 2,836 |
| Equity capital to assets | 9.2213% | 2,347 |
| Core capital (leverage) ratio | 12.1115% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $485,443,500 | 1,778 |
| Average earning assets | $448,083,000 | 1,781 |
| Average equity | $42,783,500 | 1,811 |
| Average total loans | $239,305,000 | 2,072 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 3,088 |
| Cost of funding earning assets | 0.3300% | 2,631 |
| Net interest margin | 3.1650% | 2,970 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.1509% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0526% | 2,366 |
| Return on assets (ROA) | 1.0256% | 2,421 |
| Pretax return on assets | 1.2371% | 2,318 |
| Return on Equity (ROE) | 11.0300% | 2,466 |
| Retained earnings to average equity (ytd only) | 7.9033% | 1,872 |
| Net charge-offs to loans | 0.1467% | 559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 18.7988% | 1,926 |
| Efficiency ratio | 62.8823% | 2,646 |
| Assets per employee ($millions) | 5.7779% | 2,967 |
| Cash dividends to net income (ytd only)* | 28.3276% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,370 |
| Loan loss allowance to noncurrent loans | 1,298.4962% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,255 |
| Noncurrent loans to loans | 0.1109% | 2,975 |
| Net loans and leases to total assets | 48.7000% | 3,614 |
| Net loans and leases to deposits | 55.7697% | 3,589 |
| Net loans and leases to core deposits | 58.0385% | 3,614 |
| Total domestic deposits to total assets | 87.3200% | 2,285 |
| Equity capital to assets | 8.4051% | 2,770 |
| Core capital (leverage) ratio | 11.8084% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2443% | 1,304 |
| Memoranda: | ||
| Average total assets | $485,649,800 | 1,756 |
| Average earning assets | $452,074,400 | 1,748 |
| Average equity | $45,171,000 | 1,749 |
| Average total loans | $223,643,000 | 2,086 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3329% | 3,090 |
| Cost of funding earning assets | 0.2956% | 2,221 |
| Net interest margin | 3.0373% | 3,123 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.0137% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0836% | 2,163 |
| Return on assets (ROA) | 1.0549% | 2,233 |
| Pretax return on assets | 1.2775% | 2,119 |
| Return on Equity (ROE) | 11.0700% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.9885% | 2,361 |
| Net charge-offs to loans | -0.0826% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.5480% | 3,047 |
| Assets per employee ($millions) | 5.7956% | 2,931 |
| Cash dividends to net income (ytd only)* | 36.8983% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 867 |
| Loan loss allowance to noncurrent loans | 266.5306% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 1,706 |
| Noncurrent loans to loans | 0.6394% | 1,273 |
| Net loans and leases to total assets | 47.5500% | 3,667 |
| Net loans and leases to deposits | 53.5087% | 3,633 |
| Net loans and leases to core deposits | 55.6243% | 3,646 |
| Total domestic deposits to total assets | 88.8700% | 2,142 |
| Equity capital to assets | 7.3163% | 3,324 |
| Core capital (leverage) ratio | 12.3687% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $485,725,500 | 1,767 |
| Average earning assets | $453,281,750 | 1,757 |
| Average equity | $46,265,250 | 1,742 |
| Average total loans | $219,601,250 | 2,111 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1439% | 3,199 |
| Cost of funding earning assets | 0.2577% | 2,167 |
| Net interest margin | 2.8861% | 3,208 |
| Noninterest income to average assets | 0.4873% | 2,267 |
| Noninterest expense to average assets | 1.9529% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0295% | 2,047 |
| Return on assets (ROA) | 1.0081% | 2,095 |
| Pretax return on assets | 1.2142% | 2,029 |
| Return on Equity (ROE) | 9.8449% | 2,387 |
| Retained earnings to average equity (ytd only) | 7.0024% | 1,990 |
| Net charge-offs to loans | -0.1249% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1652% | 3,155 |
| Assets per employee ($millions) | 6.0107% | 2,733 |
| Cash dividends to net income (ytd only)* | 28.8727% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 825 |
| Loan loss allowance to noncurrent loans | 372.3384% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 2,218 |
| Noncurrent loans to loans | 0.4816% | 1,670 |
| Net loans and leases to total assets | 44.6086% | 3,787 |
| Net loans and leases to deposits | 50.3206% | 3,797 |
| Net loans and leases to core deposits | 52.3678% | 3,798 |
| Total domestic deposits to total assets | 88.6487% | 2,318 |
| Equity capital to assets | 8.6979% | 2,614 |
| Core capital (leverage) ratio | 12.2550% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $489,220,333 | 1,763 |
| Average earning assets | $458,607,000 | 1,754 |
| Average equity | $50,097,000 | 1,683 |
| Average total loans | $216,169,000 | 2,139 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1249% | 2,893 |
| Cost of funding earning assets | 0.2310% | 2,386 |
| Net interest margin | 2.8939% | 2,862 |
| Noninterest income to average assets | 0.4272% | 2,512 |
| Noninterest expense to average assets | 1.8257% | 3,880 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0803% | 1,579 |
| Return on assets (ROA) | 1.0750% | 1,599 |
| Pretax return on assets | 1.3174% | 1,453 |
| Return on Equity (ROE) | 9.7799% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.3503% | 2,127 |
| Net charge-offs to loans | -0.0019% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9665% | 3,688 |
| Assets per employee ($millions) | 6.1795% | 2,642 |
| Cash dividends to net income (ytd only)* | 35.0679% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 883 |
| Loan loss allowance to noncurrent loans | 1,071.6714% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 3,112 |
| Noncurrent loans to loans | 0.1678% | 2,974 |
| Net loans and leases to total assets | 41.7770% | 3,894 |
| Net loans and leases to deposits | 47.5561% | 3,900 |
| Net loans and leases to core deposits | 49.0223% | 3,925 |
| Total domestic deposits to total assets | 87.8479% | 2,596 |
| Equity capital to assets | 9.8330% | 2,021 |
| Core capital (leverage) ratio | 11.6990% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,403,500 | 1,751 |
| Average earning assets | $464,148,000 | 1,746 |
| Average equity | $54,233,500 | 1,618 |
| Average total loans | $215,044,000 | 2,138 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 2,036 |
| Cost of funding earning assets | 0.3010% | 2,395 |
| Net interest margin | 3.4268% | 1,943 |
| Noninterest income to average assets | 0.4955% | 2,590 |
| Noninterest expense to average assets | 1.9670% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4097% | 1,245 |
| Return on assets (ROA) | 1.4618% | 1,166 |
| Pretax return on assets | 1.8167% | 881 |
| Return on Equity (ROE) | 11.8910% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.6580% | 772 |
| Net charge-offs to loans | 0.0354% | 1,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 106.6795% | 851 |
| Efficiency ratio | 52.8956% | 4,047 |
| Assets per employee ($millions) | 6.2335% | 2,543 |
| Cash dividends to net income (ytd only)* | 10.3687% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 1,005 |
| Loan loss allowance to noncurrent loans | 2,931.7829% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,605 |
| Noncurrent loans to loans | 0.0587% | 3,656 |
| Net loans and leases to total assets | 43.8614% | 3,847 |
| Net loans and leases to deposits | 50.1876% | 3,865 |
| Net loans and leases to core deposits | 51.9201% | 3,898 |
| Total domestic deposits to total assets | 87.3948% | 2,339 |
| Equity capital to assets | 12.1550% | 1,189 |
| Core capital (leverage) ratio | 11.4798% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $475,039,200 | 1,758 |
| Average earning assets | $446,796,600 | 1,741 |
| Average equity | $58,397,200 | 1,546 |
| Average total loans | $220,147,400 | 2,100 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 1,626 |
| Cost of funding earning assets | 0.3164% | 2,442 |
| Net interest margin | 3.6418% | 1,488 |
| Noninterest income to average assets | 0.4855% | 2,686 |
| Noninterest expense to average assets | 1.8041% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6773% | 871 |
| Return on assets (ROA) | 1.7254% | 815 |
| Pretax return on assets | 2.1650% | 589 |
| Return on Equity (ROE) | 13.9942% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.3400% | 764 |
| Net charge-offs to loans | 0.0460% | 1,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 97.7763% | 879 |
| Efficiency ratio | 46.1522% | 4,493 |
| Assets per employee ($millions) | 6.0976% | 2,589 |
| Cash dividends to net income (ytd only)* | 11.8207% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 1,013 |
| Loan loss allowance to noncurrent loans | 2,910.7692% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,746 |
| Noncurrent loans to loans | 0.0601% | 3,799 |
| Net loans and leases to total assets | 44.6909% | 3,891 |
| Net loans and leases to deposits | 51.6399% | 3,910 |
| Net loans and leases to core deposits | 53.5749% | 3,944 |
| Total domestic deposits to total assets | 86.5433% | 2,537 |
| Equity capital to assets | 12.6283% | 1,120 |
| Core capital (leverage) ratio | 11.7211% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,686,750 | 1,789 |
| Average earning assets | $442,481,750 | 1,780 |
| Average equity | $58,032,250 | 1,583 |
| Average total loans | $220,240,000 | 2,135 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 921 |
| Cost of funding earning assets | 0.3310% | 2,477 |
| Net interest margin | 4.0205% | 792 |
| Noninterest income to average assets | 0.4912% | 2,658 |
| Noninterest expense to average assets | 1.7465% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9982% | 486 |
| Return on assets (ROA) | 2.0659% | 456 |
| Pretax return on assets | 2.6164% | 299 |
| Return on Equity (ROE) | 16.8946% | 797 |
| Retained earnings to average equity (ytd only) | 15.2208% | 402 |
| Net charge-offs to loans | 0.0867% | 812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 61.8229% | 957 |
| Efficiency ratio | 40.8334% | 4,728 |
| Assets per employee ($millions) | 5.9223% | 2,694 |
| Cash dividends to net income (ytd only)* | 9.9071% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 1,065 |
| Loan loss allowance to noncurrent loans | 1,836.0976% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,725 |
| Noncurrent loans to loans | 0.0924% | 3,713 |
| Net loans and leases to total assets | 46.0284% | 3,903 |
| Net loans and leases to deposits | 53.1223% | 3,922 |
| Net loans and leases to core deposits | 55.0681% | 3,962 |
| Total domestic deposits to total assets | 86.6460% | 2,491 |
| Equity capital to assets | 12.5061% | 1,129 |
| Core capital (leverage) ratio | 11.4278% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,043,667 | 1,788 |
| Average earning assets | $441,681,333 | 1,780 |
| Average equity | $57,355,667 | 1,590 |
| Average total loans | $221,539,667 | 2,141 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4631% | 821 |
| Cost of funding earning assets | 0.3468% | 2,546 |
| Net interest margin | 4.1163% | 706 |
| Noninterest income to average assets | 0.4560% | 2,805 |
| Noninterest expense to average assets | 1.7297% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0345% | 547 |
| Return on assets (ROA) | 2.1591% | 485 |
| Pretax return on assets | 2.7497% | 323 |
| Return on Equity (ROE) | 17.8629% | 745 |
| Retained earnings to average equity (ytd only) | 16.1610% | 500 |
| Net charge-offs to loans | 0.1879% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 29.0769% | 1,108 |
| Efficiency ratio | 40.0238% | 4,740 |
| Assets per employee ($millions) | 5.8867% | 2,712 |
| Cash dividends to net income (ytd only)* | 9.5276% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 1,050 |
| Loan loss allowance to noncurrent loans | 481.5385% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 3,169 |
| Noncurrent loans to loans | 0.3528% | 2,818 |
| Net loans and leases to total assets | 45.5745% | 3,993 |
| Net loans and leases to deposits | 52.1475% | 4,037 |
| Net loans and leases to core deposits | 54.2008% | 4,085 |
| Total domestic deposits to total assets | 87.3954% | 2,140 |
| Equity capital to assets | 11.8341% | 1,373 |
| Core capital (leverage) ratio | 11.4236% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,673,500 | 1,785 |
| Average earning assets | $438,256,500 | 1,784 |
| Average equity | $56,407,500 | 1,601 |
| Average total loans | $221,390,000 | 2,142 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 2,369 |
| Cost of funding earning assets | 0.5249% | 2,781 |
| Net interest margin | 3.5946% | 2,156 |
| Noninterest income to average assets | 0.5603% | 2,373 |
| Noninterest expense to average assets | 2.1829% | 3,709 |
| Loan and lease loss provision to assets | 0.2065% | 1,910 |
| Net operating income to assets | 1.3077% | 1,230 |
| Return on assets (ROA) | 1.3459% | 1,231 |
| Pretax return on assets | 1.5629% | 1,156 |
| Return on Equity (ROE) | 10.2703% | 1,900 |
| Retained earnings to average equity (ytd only) | 3.0085% | 3,346 |
| Net charge-offs to loans | 0.0801% | 1,673 |
| Credit loss provision to net charge-offs | 457.8378% | 1,319 |
| Earnings coverage of net charge-offs (x) | 38.2432% | 1,422 |
| Efficiency ratio | 55.8585% | 3,999 |
| Assets per employee ($millions) | 5.7788% | 2,558 |
| Cash dividends to net income (ytd only)* | 70.7065% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 960 |
| Loan loss allowance to noncurrent loans | 390.6883% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 3,169 |
| Noncurrent loans to loans | 0.4456% | 2,639 |
| Net loans and leases to total assets | 47.7202% | 3,994 |
| Net loans and leases to deposits | 54.9632% | 4,074 |
| Net loans and leases to core deposits | 56.9246% | 4,105 |
| Total domestic deposits to total assets | 86.8221% | 2,019 |
| Equity capital to assets | 12.3515% | 1,394 |
| Core capital (leverage) ratio | 11.3862% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,142,000 | 1,831 |
| Average earning assets | $381,959,200 | 1,825 |
| Average equity | $53,747,400 | 1,585 |
| Average total loans | $230,988,200 | 2,030 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,294 |
| Cost of funding earning assets | 0.5717% | 2,793 |
| Net interest margin | 3.6630% | 2,052 |
| Noninterest income to average assets | 0.5667% | 2,318 |
| Noninterest expense to average assets | 2.0420% | 4,068 |
| Loan and lease loss provision to assets | 0.2125% | 1,898 |
| Net operating income to assets | 1.4850% | 935 |
| Return on assets (ROA) | 1.5359% | 919 |
| Pretax return on assets | 1.7798% | 815 |
| Return on Equity (ROE) | 11.5304% | 1,503 |
| Retained earnings to average equity (ytd only) | 1.7279% | 4,020 |
| Net charge-offs to loans | 0.1103% | 1,238 |
| Credit loss provision to net charge-offs | 329.0155% | 1,669 |
| Earnings coverage of net charge-offs (x) | 29.9378% | 1,586 |
| Efficiency ratio | 51.3718% | 4,390 |
| Assets per employee ($millions) | 5.1038% | 3,107 |
| Cash dividends to net income (ytd only)* | 85.0142% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,159 |
| Loan loss allowance to noncurrent loans | 365.4618% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 3,222 |
| Noncurrent loans to loans | 0.4325% | 2,759 |
| Net loans and leases to total assets | 53.4983% | 3,845 |
| Net loans and leases to deposits | 62.1593% | 3,921 |
| Net loans and leases to core deposits | 64.6311% | 3,977 |
| Total domestic deposits to total assets | 86.0665% | 2,035 |
| Equity capital to assets | 12.9470% | 1,206 |
| Core capital (leverage) ratio | 11.7715% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,545,500 | 1,845 |
| Average earning assets | $370,836,000 | 1,839 |
| Average equity | $53,087,250 | 1,589 |
| Average total loans | $233,306,250 | 2,011 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 2,349 |
| Cost of funding earning assets | 0.6144% | 2,897 |
| Net interest margin | 3.7311% | 2,048 |
| Noninterest income to average assets | 0.4982% | 2,574 |
| Noninterest expense to average assets | 2.1113% | 4,002 |
| Loan and lease loss provision to assets | 0.2173% | 1,919 |
| Net operating income to assets | 1.4095% | 1,093 |
| Return on assets (ROA) | 1.4875% | 1,025 |
| Pretax return on assets | 1.7279% | 936 |
| Return on Equity (ROE) | 11.0550% | 1,612 |
| Retained earnings to average equity (ytd only) | -2.8990% | 4,647 |
| Net charge-offs to loans | 0.0623% | 1,623 |
| Credit loss provision to net charge-offs | 580.8219% | 1,128 |
| Earnings coverage of net charge-offs (x) | 49.5616% | 1,109 |
| Efficiency ratio | 53.2377% | 4,256 |
| Assets per employee ($millions) | 5.0491% | 3,112 |
| Cash dividends to net income (ytd only)* | 126.2233% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,335 |
| Loan loss allowance to noncurrent loans | 444.1802% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 3,526 |
| Noncurrent loans to loans | 0.3330% | 3,199 |
| Net loans and leases to total assets | 57.8044% | 3,533 |
| Net loans and leases to deposits | 67.3558% | 3,615 |
| Net loans and leases to core deposits | 70.0277% | 3,707 |
| Total domestic deposits to total assets | 85.8196% | 2,087 |
| Equity capital to assets | 13.0865% | 1,134 |
| Core capital (leverage) ratio | 11.9953% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,187,667 | 1,847 |
| Average earning assets | $362,626,000 | 1,844 |
| Average equity | $52,501,000 | 1,593 |
| Average total loans | $234,318,667 | 1,987 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 2,329 |
| Cost of funding earning assets | 0.6636% | 3,095 |
| Net interest margin | 3.8295% | 1,876 |
| Noninterest income to average assets | 0.4990% | 2,552 |
| Noninterest expense to average assets | 2.2774% | 3,821 |
| Loan and lease loss provision to assets | 0.2227% | 1,389 |
| Net operating income to assets | 1.2439% | 1,393 |
| Return on assets (ROA) | 1.2658% | 1,435 |
| Pretax return on assets | 1.5725% | 1,131 |
| Return on Equity (ROE) | 9.2708% | 2,005 |
| Retained earnings to average equity (ytd only) | -17.0645% | 4,925 |
| Net charge-offs to loans | 0.0674% | 1,353 |
| Credit loss provision to net charge-offs | 543.5897% | 839 |
| Earnings coverage of net charge-offs (x) | 43.1538% | 990 |
| Efficiency ratio | 56.2971% | 4,183 |
| Assets per employee ($millions) | 4.5022% | 3,256 |
| Cash dividends to net income (ytd only)* | 284.0664% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,468 |
| Loan loss allowance to noncurrent loans | 463.0495% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 3,681 |
| Noncurrent loans to loans | 0.3162% | 3,362 |
| Net loans and leases to total assets | 59.9852% | 3,493 |
| Net loans and leases to deposits | 70.2533% | 3,569 |
| Net loans and leases to core deposits | 72.9578% | 3,698 |
| Total domestic deposits to total assets | 85.3841% | 2,253 |
| Equity capital to assets | 13.5849% | 1,184 |
| Core capital (leverage) ratio | 12.2971% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,792,000 | 1,839 |
| Average earning assets | $352,631,000 | 1,840 |
| Average equity | $51,991,000 | 1,600 |
| Average total loans | $231,499,500 | 1,982 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 2,946 |
| Cost of funding earning assets | 0.6749% | 3,287 |
| Net interest margin | 3.8247% | 2,423 |
| Noninterest income to average assets | 0.5888% | 2,274 |
| Noninterest expense to average assets | 2.3876% | 3,717 |
| Loan and lease loss provision to assets | 0.2256% | 854 |
| Net operating income to assets | 1.2683% | 1,813 |
| Return on assets (ROA) | 1.2752% | 1,867 |
| Pretax return on assets | 1.5295% | 1,715 |
| Return on Equity (ROE) | 9.5902% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.9893% | 714 |
| Net charge-offs to loans | 0.0148% | 3,179 |
| Credit loss provision to net charge-offs | 2,491.1765% | 157 |
| Earnings coverage of net charge-offs (x) | 192.9118% | 408 |
| Efficiency ratio | 57.7493% | 4,004 |
| Assets per employee ($millions) | 4.7333% | 2,919 |
| Cash dividends to net income (ytd only)* | 6.2657% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 1,613 |
| Loan loss allowance to noncurrent loans | 499.6875% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 3,780 |
| Noncurrent loans to loans | 0.2749% | 3,464 |
| Net loans and leases to total assets | 59.8789% | 3,595 |
| Net loans and leases to deposits | 69.8916% | 3,683 |
| Net loans and leases to core deposits | 72.4824% | 3,828 |
| Total domestic deposits to total assets | 85.6739% | 2,207 |
| Equity capital to assets | 13.7210% | 1,199 |
| Core capital (leverage) ratio | 12.8702% | 1,296 |
| Tier 1 risk-based capital ratio | 18.0065% | 1,756 |
| Total risk-based capital ratio | 19.2088% | 1,721 |
| Memoranda: | ||
| Average total assets | $375,483,800 | 1,822 |
| Average earning assets | $348,076,000 | 1,820 |
| Average equity | $49,926,200 | 1,604 |
| Average total loans | $230,318,800 | 1,953 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 3,019 |
| Cost of funding earning assets | 0.6482% | 3,457 |
| Net interest margin | 3.8655% | 2,383 |
| Noninterest income to average assets | 0.5312% | 2,555 |
| Noninterest expense to average assets | 2.1893% | 4,202 |
| Loan and lease loss provision to assets | 0.2267% | 751 |
| Net operating income to assets | 1.4126% | 1,425 |
| Return on assets (ROA) | 1.4218% | 1,462 |
| Pretax return on assets | 1.7131% | 1,305 |
| Return on Equity (ROE) | 10.7814% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.9694% | 755 |
| Net charge-offs to loans | 0.0104% | 2,995 |
| Credit loss provision to net charge-offs | 3,527.7778% | 121 |
| Earnings coverage of net charge-offs (x) | 300.1592% | 313 |
| Efficiency ratio | 53.1640% | 4,478 |
| Assets per employee ($millions) | 4.4526% | 3,284 |
| Cash dividends to net income (ytd only)* | 7.5320% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,026 |
| Loan loss allowance to noncurrent loans | 433.8150% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,600 |
| Noncurrent loans to loans | 0.2968% | 3,476 |
| Net loans and leases to total assets | 62.2677% | 3,468 |
| Net loans and leases to deposits | 72.9751% | 3,559 |
| Net loans and leases to core deposits | 75.8605% | 3,706 |
| Total domestic deposits to total assets | 85.3272% | 2,286 |
| Equity capital to assets | 14.0258% | 1,139 |
| Core capital (leverage) ratio | 12.9228% | 1,372 |
| Tier 1 risk-based capital ratio | 17.9976% | 1,818 |
| Total risk-based capital ratio | 19.1452% | 1,793 |
| Memoranda: | ||
| Average total assets | $373,505,000 | 1,846 |
| Average earning assets | $346,575,500 | 1,841 |
| Average equity | $49,256,250 | 1,627 |
| Average total loans | $229,705,250 | 1,973 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 3,217 |
| Cost of funding earning assets | 0.6408% | 3,460 |
| Net interest margin | 3.7976% | 2,592 |
| Noninterest income to average assets | 0.5347% | 2,477 |
| Noninterest expense to average assets | 2.1621% | 4,309 |
| Loan and lease loss provision to assets | 0.2262% | 728 |
| Net operating income to assets | 1.3683% | 1,522 |
| Return on assets (ROA) | 1.3761% | 1,557 |
| Pretax return on assets | 1.6883% | 1,295 |
| Return on Equity (ROE) | 10.6578% | 2,112 |
| Retained earnings to average equity (ytd only) | 10.4098% | 650 |
| Net charge-offs to loans | 0.0140% | 2,639 |
| Credit loss provision to net charge-offs | 2,650.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 223.1250% | 358 |
| Efficiency ratio | 53.1619% | 4,546 |
| Assets per employee ($millions) | 4.4897% | 3,155 |
| Cash dividends to net income (ytd only)* | 2.3265% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,505 |
| Loan loss allowance to noncurrent loans | 275.7157% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 3,212 |
| Noncurrent loans to loans | 0.4367% | 2,967 |
| Net loans and leases to total assets | 62.2485% | 3,514 |
| Net loans and leases to deposits | 72.7814% | 3,615 |
| Net loans and leases to core deposits | 75.6548% | 3,761 |
| Total domestic deposits to total assets | 85.5280% | 2,250 |
| Equity capital to assets | 13.7191% | 1,234 |
| Core capital (leverage) ratio | 12.6116% | 1,481 |
| Tier 1 risk-based capital ratio | 17.5351% | 1,932 |
| Total risk-based capital ratio | 18.6016% | 1,941 |
| Memoranda: | ||
| Average total assets | $374,817,000 | 1,848 |
| Average earning assets | $348,645,330 | 1,842 |
| Average equity | $48,396,670 | 1,647 |
| Average total loans | $228,565,670 | 1,990 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 3,351 |
| Cost of funding earning assets | 0.5718% | 3,720 |
| Net interest margin | 3.7957% | 2,543 |
| Noninterest income to average assets | 0.4898% | 2,616 |
| Noninterest expense to average assets | 2.1621% | 4,348 |
| Loan and lease loss provision to assets | 0.2242% | 694 |
| Net operating income to assets | 1.2778% | 1,783 |
| Return on assets (ROA) | 1.2778% | 1,825 |
| Pretax return on assets | 1.6353% | 1,382 |
| Return on Equity (ROE) | 10.2067% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.6997% | 1,107 |
| Net charge-offs to loans | -0.0370% | 4,730 |
| Credit loss provision to net charge-offs | -1,009.5238% | 3,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7612% | 4,555 |
| Assets per employee ($millions) | 4.6006% | 3,039 |
| Cash dividends to net income (ytd only)* | 4.9669% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,819 |
| Loan loss allowance to noncurrent loans | 138.2990% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 2,403 |
| Noncurrent loans to loans | 0.8355% | 1,967 |
| Net loans and leases to total assets | 60.8522% | 3,618 |
| Net loans and leases to deposits | 70.8659% | 3,697 |
| Net loans and leases to core deposits | 73.7818% | 3,810 |
| Total domestic deposits to total assets | 85.8695% | 2,333 |
| Equity capital to assets | 13.1238% | 1,384 |
| Core capital (leverage) ratio | 12.1502% | 1,691 |
| Tier 1 risk-based capital ratio | 17.2578% | 2,033 |
| Total risk-based capital ratio | 18.2723% | 2,047 |
| Memoranda: | ||
| Average total assets | $378,149,500 | 1,845 |
| Average earning assets | $351,876,000 | 1,843 |
| Average equity | $47,341,500 | 1,658 |
| Average total loans | $226,867,500 | 2,012 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 3,210 |
| Cost of funding earning assets | 0.5788% | 2,862 |
| Net interest margin | 3.6927% | 3,061 |
| Noninterest income to average assets | 0.5982% | 2,303 |
| Noninterest expense to average assets | 2.2619% | 4,201 |
| Loan and lease loss provision to assets | 0.5929% | 188 |
| Net operating income to assets | 0.9841% | 3,084 |
| Return on assets (ROA) | 0.9854% | 3,075 |
| Pretax return on assets | 1.1813% | 2,959 |
| Return on Equity (ROE) | 8.3660% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.4412% | 1,954 |
| Net charge-offs to loans | 1.6092% | 70 |
| Credit loss provision to net charge-offs | 61.5153% | 3,086 |
| Earnings coverage of net charge-offs (x) | 1.8392% | 3,585 |
| Efficiency ratio | 56.0638% | 4,404 |
| Assets per employee ($millions) | 4.6777% | 2,912 |
| Cash dividends to net income (ytd only)* | 23.0070% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,382 |
| Loan loss allowance to noncurrent loans | 124.1541% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 2,592 |
| Noncurrent loans to loans | 0.8457% | 1,907 |
| Net loans and leases to total assets | 57.8921% | 3,978 |
| Net loans and leases to deposits | 66.1863% | 4,105 |
| Net loans and leases to core deposits | 68.6610% | 4,201 |
| Total domestic deposits to total assets | 87.4684% | 1,554 |
| Equity capital to assets | 11.9462% | 1,938 |
| Core capital (leverage) ratio | 11.8181% | 1,857 |
| Tier 1 risk-based capital ratio | 16.4516% | 2,258 |
| Total risk-based capital ratio | 17.3566% | 2,312 |
| Memoranda: | ||
| Average total assets | $379,326,600 | 1,801 |
| Average earning assets | $352,996,400 | 1,795 |
| Average equity | $44,680,800 | 1,670 |
| Average total loans | $227,195,600 | 1,973 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 3,096 |
| Cost of funding earning assets | 0.5865% | 2,574 |
| Net interest margin | 3.6776% | 3,098 |
| Noninterest income to average assets | 0.5880% | 2,376 |
| Noninterest expense to average assets | 2.0779% | 4,592 |
| Loan and lease loss provision to assets | 0.7503% | 128 |
| Net operating income to assets | 0.9840% | 3,162 |
| Return on assets (ROA) | 0.9840% | 3,170 |
| Pretax return on assets | 1.1873% | 3,039 |
| Return on Equity (ROE) | 8.3844% | 3,386 |
| Retained earnings to average equity (ytd only) | 5.7935% | 2,759 |
| Net charge-offs to loans | 1.7364% | 60 |
| Credit loss provision to net charge-offs | 71.7134% | 2,616 |
| Earnings coverage of net charge-offs (x) | 1.8520% | 3,307 |
| Efficiency ratio | 51.7478% | 4,835 |
| Assets per employee ($millions) | 4.3202% | 3,398 |
| Cash dividends to net income (ytd only)* | 30.9020% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,094 |
| Loan loss allowance to noncurrent loans | 124.5784% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 2,245 |
| Noncurrent loans to loans | 1.0433% | 1,637 |
| Net loans and leases to total assets | 61.1090% | 3,739 |
| Net loans and leases to deposits | 70.5630% | 3,875 |
| Net loans and leases to core deposits | 73.4036% | 3,986 |
| Total domestic deposits to total assets | 86.6021% | 1,915 |
| Equity capital to assets | 12.2221% | 1,759 |
| Core capital (leverage) ratio | 11.6424% | 2,052 |
| Tier 1 risk-based capital ratio | 16.2715% | 2,347 |
| Total risk-based capital ratio | 17.4056% | 2,336 |
| Memoranda: | ||
| Average total assets | $377,095,750 | 1,814 |
| Average earning assets | $351,455,750 | 1,807 |
| Average equity | $44,255,750 | 1,689 |
| Average total loans | $227,206,750 | 1,974 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 3,138 |
| Cost of funding earning assets | 0.5902% | 2,291 |
| Net interest margin | 3.6024% | 3,299 |
| Noninterest income to average assets | 0.5710% | 2,469 |
| Noninterest expense to average assets | 2.0237% | 4,756 |
| Loan and lease loss provision to assets | 1.0489% | 74 |
| Net operating income to assets | 0.7408% | 4,066 |
| Return on assets (ROA) | 0.7408% | 4,067 |
| Pretax return on assets | 0.8581% | 4,083 |
| Return on Equity (ROE) | 6.3977% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.4928% | 4,261 |
| Net charge-offs to loans | 2.5639% | 37 |
| Credit loss provision to net charge-offs | 68.5096% | 2,368 |
| Earnings coverage of net charge-offs (x) | 1.2455% | 3,079 |
| Efficiency ratio | 51.4848% | 4,937 |
| Assets per employee ($millions) | 4.3612% | 3,339 |
| Cash dividends to net income (ytd only)* | 61.0362% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,468 |
| Loan loss allowance to noncurrent loans | 112.1295% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 2,184 |
| Noncurrent loans to loans | 1.1091% | 1,592 |
| Net loans and leases to total assets | 60.8704% | 3,720 |
| Net loans and leases to deposits | 69.9444% | 3,864 |
| Net loans and leases to core deposits | 72.7378% | 3,961 |
| Total domestic deposits to total assets | 87.0268% | 1,831 |
| Equity capital to assets | 11.6726% | 2,080 |
| Core capital (leverage) ratio | 11.0065% | 2,520 |
| Tier 1 risk-based capital ratio | 15.4454% | 2,665 |
| Total risk-based capital ratio | 16.5290% | 2,670 |
| Memoranda: | ||
| Average total assets | $380,387,330 | 1,813 |
| Average earning assets | $354,765,670 | 1,803 |
| Average equity | $44,047,000 | 1,702 |
| Average total loans | $227,155,670 | 1,971 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,887 |
| Cost of funding earning assets | 0.5837% | 2,144 |
| Net interest margin | 3.6154% | 3,116 |
| Noninterest income to average assets | 0.5451% | 2,545 |
| Noninterest expense to average assets | 1.9882% | 4,873 |
| Loan and lease loss provision to assets | 0.1326% | 1,425 |
| Net operating income to assets | 1.4024% | 1,335 |
| Return on assets (ROA) | 1.4024% | 1,342 |
| Pretax return on assets | 1.7940% | 919 |
| Return on Equity (ROE) | 12.1591% | 1,523 |
| Retained earnings to average equity (ytd only) | 8.8092% | 1,535 |
| Net charge-offs to loans | 0.4477% | 340 |
| Credit loss provision to net charge-offs | 50.3968% | 1,942 |
| Earnings coverage of net charge-offs (x) | 7.3214% | 2,097 |
| Efficiency ratio | 50.7869% | 5,040 |
| Assets per employee ($millions) | 4.6354% | 2,951 |
| Cash dividends to net income (ytd only)* | 27.5503% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 1,056 |
| Loan loss allowance to noncurrent loans | 68.6447% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 1,019 |
| Noncurrent loans to loans | 2.4015% | 581 |
| Net loans and leases to total assets | 56.8647% | 4,040 |
| Net loans and leases to deposits | 65.8453% | 4,097 |
| Net loans and leases to core deposits | 68.4187% | 4,193 |
| Total domestic deposits to total assets | 86.3610% | 2,378 |
| Equity capital to assets | 11.5224% | 2,114 |
| Core capital (leverage) ratio | 11.0949% | 2,337 |
| Tier 1 risk-based capital ratio | 15.6158% | 2,624 |
| Total risk-based capital ratio | 16.8676% | 2,568 |
| Memoranda: | ||
| Average total assets | $383,051,500 | 1,810 |
| Average earning assets | $357,023,500 | 1,798 |
| Average equity | $44,181,000 | 1,702 |
| Average total loans | $225,146,000 | 1,997 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 2,806 |
| Cost of funding earning assets | 0.5229% | 2,156 |
| Net interest margin | 3.6466% | 2,995 |
| Noninterest income to average assets | 0.5822% | 2,539 |
| Noninterest expense to average assets | 2.2943% | 4,342 |
| Loan and lease loss provision to assets | 0.1359% | 1,687 |
| Net operating income to assets | 1.0035% | 2,224 |
| Return on assets (ROA) | 1.0042% | 2,260 |
| Pretax return on assets | 1.5454% | 1,467 |
| Return on Equity (ROE) | 8.6693% | 2,466 |
| Retained earnings to average equity (ytd only) | 5.3707% | 1,886 |
| Net charge-offs to loans | 0.0212% | 3,396 |
| Credit loss provision to net charge-offs | 1,080.8511% | 334 |
| Earnings coverage of net charge-offs (x) | 133.6170% | 515 |
| Efficiency ratio | 57.7247% | 4,558 |
| Assets per employee ($millions) | 4.5948% | 3,038 |
| Cash dividends to net income (ytd only)* | 38.0496% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 1,005 |
| Loan loss allowance to noncurrent loans | 198.5340% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 2,802 |
| Noncurrent loans to loans | 0.8383% | 2,128 |
| Net loans and leases to total assets | 58.7502% | 3,944 |
| Net loans and leases to deposits | 68.4164% | 3,996 |
| Net loans and leases to core deposits | 70.7357% | 4,127 |
| Total domestic deposits to total assets | 85.8716% | 2,500 |
| Equity capital to assets | 11.5456% | 2,164 |
| Core capital (leverage) ratio | 10.9858% | 2,351 |
| Tier 1 risk-based capital ratio | 15.2868% | 2,705 |
| Total risk-based capital ratio | 16.5393% | 2,645 |
| Memoranda: | ||
| Average total assets | $373,748,000 | 1,818 |
| Average earning assets | $347,690,600 | 1,809 |
| Average equity | $43,290,600 | 1,719 |
| Average total loans | $221,375,200 | 1,991 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 2,747 |
| Cost of funding earning assets | 0.4988% | 2,273 |
| Net interest margin | 3.6627% | 2,907 |
| Noninterest income to average assets | 0.5475% | 2,740 |
| Noninterest expense to average assets | 2.1345% | 4,663 |
| Loan and lease loss provision to assets | 0.1366% | 1,571 |
| Net operating income to assets | 1.2009% | 1,685 |
| Return on assets (ROA) | 1.2019% | 1,717 |
| Pretax return on assets | 1.6845% | 1,163 |
| Return on Equity (ROE) | 10.3681% | 1,960 |
| Retained earnings to average equity (ytd only) | 6.5388% | 1,946 |
| Net charge-offs to loans | -0.0012% | 4,284 |
| Credit loss provision to net charge-offs | -19,050.0000% | 5,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9808% | 4,937 |
| Assets per employee ($millions) | 4.4751% | 3,188 |
| Cash dividends to net income (ytd only)* | 36.9333% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 1,128 |
| Loan loss allowance to noncurrent loans | 185.7000% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 2,733 |
| Noncurrent loans to loans | 0.8894% | 2,151 |
| Net loans and leases to total assets | 60.2695% | 3,828 |
| Net loans and leases to deposits | 71.7895% | 3,794 |
| Net loans and leases to core deposits | 74.3122% | 3,946 |
| Total domestic deposits to total assets | 83.9531% | 3,143 |
| Equity capital to assets | 12.0903% | 1,907 |
| Core capital (leverage) ratio | 11.0397% | 2,417 |
| Tier 1 risk-based capital ratio | 15.4138% | 2,741 |
| Total risk-based capital ratio | 16.6665% | 2,686 |
| Memoranda: | ||
| Average total assets | $371,843,250 | 1,831 |
| Average earning assets | $345,858,000 | 1,831 |
| Average equity | $43,105,500 | 1,739 |
| Average total loans | $219,757,500 | 2,008 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 2,933 |
| Cost of funding earning assets | 0.4726% | 2,392 |
| Net interest margin | 3.5986% | 3,050 |
| Noninterest income to average assets | 0.5355% | 2,793 |
| Noninterest expense to average assets | 2.0992% | 4,774 |
| Loan and lease loss provision to assets | 0.1360% | 1,524 |
| Net operating income to assets | 1.1729% | 1,696 |
| Return on assets (ROA) | 1.1744% | 1,729 |
| Pretax return on assets | 1.6499% | 1,195 |
| Return on Equity (ROE) | 10.2752% | 1,922 |
| Retained earnings to average equity (ytd only) | 6.5409% | 1,823 |
| Net charge-offs to loans | -0.0459% | 5,142 |
| Credit loss provision to net charge-offs | -508.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0615% | 5,012 |
| Assets per employee ($millions) | 4.5612% | 3,012 |
| Cash dividends to net income (ytd only)* | 36.3429% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 1,155 |
| Loan loss allowance to noncurrent loans | 155.0768% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 2,568 |
| Noncurrent loans to loans | 1.0634% | 1,844 |
| Net loans and leases to total assets | 57.9623% | 4,039 |
| Net loans and leases to deposits | 67.6768% | 4,098 |
| Net loans and leases to core deposits | 70.0356% | 4,222 |
| Total domestic deposits to total assets | 85.6457% | 2,550 |
| Equity capital to assets | 11.7084% | 2,145 |
| Core capital (leverage) ratio | 10.7311% | 2,675 |
| Tier 1 risk-based capital ratio | 15.1926% | 2,843 |
| Total risk-based capital ratio | 16.4450% | 2,778 |
| Memoranda: | ||
| Average total assets | $373,472,670 | 1,829 |
| Average earning assets | $347,415,330 | 1,828 |
| Average equity | $42,685,330 | 1,752 |
| Average total loans | $218,051,330 | 2,022 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,122 |
| Cost of funding earning assets | 0.4557% | 2,473 |
| Net interest margin | 3.5212% | 3,192 |
| Noninterest income to average assets | 0.5188% | 2,849 |
| Noninterest expense to average assets | 2.1919% | 4,666 |
| Loan and lease loss provision to assets | 0.1361% | 1,402 |
| Net operating income to assets | 1.0472% | 2,081 |
| Return on assets (ROA) | 1.0472% | 2,131 |
| Pretax return on assets | 1.4620% | 1,657 |
| Return on Equity (ROE) | 9.2756% | 2,282 |
| Retained earnings to average equity (ytd only) | 7.4338% | 1,681 |
| Net charge-offs to loans | -0.1310% | 5,525 |
| Credit loss provision to net charge-offs | -178.8732% | 4,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8337% | 4,738 |
| Assets per employee ($millions) | 4.6037% | 2,999 |
| Cash dividends to net income (ytd only)* | 19.8567% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 1,301 |
| Loan loss allowance to noncurrent loans | 171.6440% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 2,939 |
| Noncurrent loans to loans | 0.9520% | 2,139 |
| Net loans and leases to total assets | 56.9695% | 4,068 |
| Net loans and leases to deposits | 66.2193% | 4,156 |
| Net loans and leases to core deposits | 68.4665% | 4,261 |
| Total domestic deposits to total assets | 86.0316% | 2,652 |
| Equity capital to assets | 11.4396% | 2,226 |
| Core capital (leverage) ratio | 10.5352% | 2,860 |
| Tier 1 risk-based capital ratio | 13.7850% | 3,610 |
| Total risk-based capital ratio | 14.9299% | 3,580 |
| Memoranda: | ||
| Average total assets | $373,198,500 | 1,844 |
| Average earning assets | $346,699,500 | 1,841 |
| Average equity | $42,132,000 | 1,773 |
| Average total loans | $216,864,000 | 2,047 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 2,791 |
| Cost of funding earning assets | 0.4834% | 2,227 |
| Net interest margin | 3.6307% | 2,957 |
| Noninterest income to average assets | 0.8231% | 1,665 |
| Noninterest expense to average assets | 2.5832% | 3,734 |
| Loan and lease loss provision to assets | 0.1443% | 1,734 |
| Net operating income to assets | 1.1135% | 1,846 |
| Return on assets (ROA) | 1.1135% | 1,939 |
| Pretax return on assets | 1.4851% | 1,638 |
| Return on Equity (ROE) | 9.4400% | 2,212 |
| Retained earnings to average equity (ytd only) | 1.9923% | 4,411 |
| Net charge-offs to loans | 0.0272% | 3,492 |
| Credit loss provision to net charge-offs | 886.4407% | 424 |
| Earnings coverage of net charge-offs (x) | 100.1186% | 595 |
| Efficiency ratio | 61.3214% | 4,367 |
| Assets per employee ($millions) | 4.4464% | 3,194 |
| Cash dividends to net income (ytd only)* | 78.8952% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 1,307 |
| Loan loss allowance to noncurrent loans | 70.3990% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 1,255 |
| Noncurrent loans to loans | 2.3131% | 715 |
| Net loans and leases to total assets | 57.3536% | 4,134 |
| Net loans and leases to deposits | 66.3393% | 4,219 |
| Net loans and leases to core deposits | 68.4520% | 4,361 |
| Total domestic deposits to total assets | 86.4548% | 2,396 |
| Equity capital to assets | 11.1395% | 2,489 |
| Core capital (leverage) ratio | 10.5122% | 2,871 |
| Tier 1 risk-based capital ratio | 15.7417% | 2,653 |
| Total risk-based capital ratio | 16.9948% | 2,576 |
| Memoranda: | ||
| Average total assets | $362,535,000 | 1,841 |
| Average earning assets | $338,446,600 | 1,838 |
| Average equity | $42,764,800 | 1,730 |
| Average total loans | $217,183,400 | 1,989 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 2,734 |
| Cost of funding earning assets | 0.4750% | 2,318 |
| Net interest margin | 3.6622% | 2,852 |
| Noninterest income to average assets | 0.7638% | 1,919 |
| Noninterest expense to average assets | 2.3324% | 4,451 |
| Loan and lease loss provision to assets | 0.0760% | 2,701 |
| Net operating income to assets | 1.2685% | 1,388 |
| Return on assets (ROA) | 1.2685% | 1,485 |
| Pretax return on assets | 1.7813% | 928 |
| Return on Equity (ROE) | 10.6003% | 1,825 |
| Retained earnings to average equity (ytd only) | 8.5347% | 969 |
| Net charge-offs to loans | 0.0369% | 2,889 |
| Credit loss provision to net charge-offs | 341.6667% | 945 |
| Earnings coverage of net charge-offs (x) | 83.5313% | 753 |
| Efficiency ratio | 55.6696% | 5,091 |
| Assets per employee ($millions) | 4.0017% | 3,959 |
| Cash dividends to net income (ytd only)* | 19.4858% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,964 |
| Loan loss allowance to noncurrent loans | 59.9480% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 1,176 |
| Noncurrent loans to loans | 2.4236% | 738 |
| Net loans and leases to total assets | 60.7738% | 3,770 |
| Net loans and leases to deposits | 71.7689% | 3,829 |
| Net loans and leases to core deposits | 74.3847% | 3,969 |
| Total domestic deposits to total assets | 84.6799% | 2,953 |
| Equity capital to assets | 12.4227% | 1,826 |
| Core capital (leverage) ratio | 11.2322% | 2,249 |
| Tier 1 risk-based capital ratio | 16.5285% | 2,405 |
| Total risk-based capital ratio | 17.7801% | 2,357 |
| Memoranda: | ||
| Average total assets | $359,794,000 | 1,859 |
| Average earning assets | $336,586,250 | 1,847 |
| Average equity | $43,054,500 | 1,731 |
| Average total loans | $217,039,000 | 1,999 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,720 |
| Cost of funding earning assets | 0.4740% | 2,324 |
| Net interest margin | 3.6653% | 2,838 |
| Noninterest income to average assets | 0.8113% | 1,668 |
| Noninterest expense to average assets | 2.3883% | 4,372 |
| Loan and lease loss provision to assets | 0.0756% | 2,620 |
| Net operating income to assets | 1.2444% | 1,445 |
| Return on assets (ROA) | 1.2495% | 1,536 |
| Pretax return on assets | 1.7861% | 910 |
| Return on Equity (ROE) | 10.5760% | 1,817 |
| Retained earnings to average equity (ytd only) | 8.4815% | 1,015 |
| Net charge-offs to loans | 0.0474% | 2,536 |
| Credit loss provision to net charge-offs | 266.6667% | 1,056 |
| Earnings coverage of net charge-offs (x) | 65.3922% | 829 |
| Efficiency ratio | 56.2910% | 5,114 |
| Assets per employee ($millions) | 4.2021% | 3,563 |
| Cash dividends to net income (ytd only)* | 19.8042% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 2,187 |
| Loan loss allowance to noncurrent loans | 63.0500% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4143% | 1,378 |
| Noncurrent loans to loans | 2.2606% | 818 |
| Net loans and leases to total assets | 60.6092% | 3,803 |
| Net loans and leases to deposits | 71.3230% | 3,854 |
| Net loans and leases to core deposits | 74.0006% | 3,981 |
| Total domestic deposits to total assets | 84.9785% | 2,891 |
| Equity capital to assets | 12.1086% | 2,045 |
| Core capital (leverage) ratio | 10.7797% | 2,672 |
| Tier 1 risk-based capital ratio | 16.0524% | 2,619 |
| Total risk-based capital ratio | 17.3033% | 2,559 |
| Memoranda: | ||
| Average total assets | $359,673,670 | 1,863 |
| Average earning assets | $336,721,670 | 1,847 |
| Average equity | $42,492,330 | 1,749 |
| Average total loans | $215,349,670 | 2,013 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 2,766 |
| Cost of funding earning assets | 0.4693% | 2,373 |
| Net interest margin | 3.6528% | 2,877 |
| Noninterest income to average assets | 0.9409% | 1,206 |
| Noninterest expense to average assets | 2.4904% | 4,100 |
| Loan and lease loss provision to assets | 0.0758% | 2,436 |
| Net operating income to assets | 1.1237% | 1,819 |
| Return on assets (ROA) | 1.1237% | 1,918 |
| Pretax return on assets | 1.7937% | 864 |
| Return on Equity (ROE) | 9.6322% | 2,143 |
| Retained earnings to average equity (ytd only) | 7.5013% | 1,663 |
| Net charge-offs to loans | 0.0453% | 2,114 |
| Credit loss provision to net charge-offs | 283.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 69.8750% | 699 |
| Efficiency ratio | 57.1209% | 5,084 |
| Assets per employee ($millions) | 4.4044% | 3,243 |
| Cash dividends to net income (ytd only)* | 22.1230% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 2,295 |
| Loan loss allowance to noncurrent loans | 62.2461% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.3812% | 1,515 |
| Noncurrent loans to loans | 2.2961% | 875 |
| Net loans and leases to total assets | 58.2748% | 4,016 |
| Net loans and leases to deposits | 68.4252% | 4,016 |
| Net loans and leases to core deposits | 71.3401% | 4,119 |
| Total domestic deposits to total assets | 85.1657% | 3,057 |
| Equity capital to assets | 11.4827% | 2,456 |
| Core capital (leverage) ratio | 10.2247% | 3,287 |
| Tier 1 risk-based capital ratio | 15.6468% | 2,847 |
| Total risk-based capital ratio | 16.8974% | 2,774 |
| Memoranda: | ||
| Average total assets | $358,820,000 | 1,869 |
| Average earning assets | $335,853,500 | 1,848 |
| Average equity | $41,859,500 | 1,764 |
| Average total loans | $211,926,000 | 2,038 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 3,454 |
| Cost of funding earning assets | 0.3793% | 3,378 |
| Net interest margin | 3.5841% | 3,195 |
| Noninterest income to average assets | 0.6603% | 2,401 |
| Noninterest expense to average assets | 2.3468% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2268% | 1,462 |
| Return on assets (ROA) | 1.2281% | 1,522 |
| Pretax return on assets | 1.6569% | 1,090 |
| Return on Equity (ROE) | 10.4525% | 1,826 |
| Retained earnings to average equity (ytd only) | 8.4189% | 800 |
| Net charge-offs to loans | -0.0072% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6418% | 5,075 |
| Assets per employee ($millions) | 4.2923% | 3,400 |
| Cash dividends to net income (ytd only)* | 19.4558% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,435 |
| Loan loss allowance to noncurrent loans | 1,262.9956% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 5,263 |
| Noncurrent loans to loans | 0.1107% | 5,059 |
| Net loans and leases to total assets | 58.1758% | 4,059 |
| Net loans and leases to deposits | 68.5694% | 4,073 |
| Net loans and leases to core deposits | 70.7000% | 4,250 |
| Total domestic deposits to total assets | 84.8421% | 3,156 |
| Equity capital to assets | 11.8608% | 2,063 |
| Core capital (leverage) ratio | 11.1024% | 2,310 |
| Tier 1 risk-based capital ratio | 16.5607% | 2,449 |
| Total risk-based capital ratio | 17.8116% | 2,406 |
| Memoranda: | ||
| Average total assets | $338,162,200 | 1,937 |
| Average earning assets | $315,277,400 | 1,920 |
| Average equity | $39,732,000 | 1,811 |
| Average total loans | $195,551,000 | 2,116 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,509 |
| Cost of funding earning assets | 0.3756% | 3,483 |
| Net interest margin | 3.5824% | 3,227 |
| Noninterest income to average assets | 0.6087% | 2,693 |
| Noninterest expense to average assets | 2.1890% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3082% | 1,320 |
| Return on assets (ROA) | 1.3099% | 1,366 |
| Pretax return on assets | 1.7586% | 978 |
| Return on Equity (ROE) | 11.1764% | 1,635 |
| Retained earnings to average equity (ytd only) | 9.2081% | 827 |
| Net charge-offs to loans | -0.0635% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4851% | 5,410 |
| Assets per employee ($millions) | 4.1656% | 3,591 |
| Cash dividends to net income (ytd only)* | 17.6114% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 2,213 |
| Loan loss allowance to noncurrent loans | 1,363.4259% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 5,386 |
| Noncurrent loans to loans | 0.1090% | 5,196 |
| Net loans and leases to total assets | 58.5554% | 4,074 |
| Net loans and leases to deposits | 69.6473% | 4,028 |
| Net loans and leases to core deposits | 72.0564% | 4,187 |
| Total domestic deposits to total assets | 84.0742% | 3,394 |
| Equity capital to assets | 12.2462% | 1,914 |
| Core capital (leverage) ratio | 11.2252% | 2,268 |
| Tier 1 risk-based capital ratio | 16.8373% | 2,426 |
| Total risk-based capital ratio | 18.0890% | 2,387 |
| Memoranda: | ||
| Average total assets | $335,784,250 | 1,967 |
| Average earning assets | $312,744,750 | 1,950 |
| Average equity | $39,355,750 | 1,837 |
| Average total loans | $193,156,500 | 2,149 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 3,647 |
| Cost of funding earning assets | 0.3687% | 3,615 |
| Net interest margin | 3.5411% | 3,331 |
| Noninterest income to average assets | 0.5846% | 2,826 |
| Noninterest expense to average assets | 2.1882% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3109% | 1,289 |
| Return on assets (ROA) | 1.3136% | 1,333 |
| Pretax return on assets | 1.7093% | 1,067 |
| Return on Equity (ROE) | 11.3761% | 1,565 |
| Retained earnings to average equity (ytd only) | 9.5547% | 767 |
| Net charge-offs to loans | -0.0929% | 5,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1947% | 5,410 |
| Assets per employee ($millions) | 4.2843% | 3,332 |
| Cash dividends to net income (ytd only)* | 16.0109% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 2,184 |
| Loan loss allowance to noncurrent loans | 1,793.9024% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 5,565 |
| Noncurrent loans to loans | 0.0850% | 5,401 |
| Net loans and leases to total assets | 57.5631% | 4,162 |
| Net loans and leases to deposits | 68.1279% | 4,127 |
| Net loans and leases to core deposits | 69.9378% | 4,330 |
| Total domestic deposits to total assets | 84.4927% | 3,350 |
| Equity capital to assets | 12.0028% | 2,026 |
| Core capital (leverage) ratio | 10.7671% | 2,661 |
| Tier 1 risk-based capital ratio | 17.6406% | 2,177 |
| Total risk-based capital ratio | 18.8934% | 2,126 |
| Memoranda: | ||
| Average total assets | $336,630,670 | 1,972 |
| Average earning assets | $314,587,670 | 1,953 |
| Average equity | $38,871,000 | 1,866 |
| Average total loans | $191,516,000 | 2,169 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,194 |
| Cost of funding earning assets | 0.3652% | 3,691 |
| Net interest margin | 3.3851% | 3,903 |
| Noninterest income to average assets | 0.5459% | 2,982 |
| Noninterest expense to average assets | 2.2529% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1038% | 1,859 |
| Return on assets (ROA) | 1.1082% | 1,948 |
| Pretax return on assets | 1.4612% | 1,696 |
| Return on Equity (ROE) | 9.7849% | 2,102 |
| Retained earnings to average equity (ytd only) | 8.4241% | 1,403 |
| Net charge-offs to loans | -0.0147% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7551% | 4,995 |
| Assets per employee ($millions) | 4.2771% | 3,419 |
| Cash dividends to net income (ytd only)* | 13.9066% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 2,517 |
| Loan loss allowance to noncurrent loans | 410.9195% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 4,866 |
| Noncurrent loans to loans | 0.3610% | 4,507 |
| Net loans and leases to total assets | 56.2201% | 4,177 |
| Net loans and leases to deposits | 66.0260% | 4,149 |
| Net loans and leases to core deposits | 67.7862% | 4,350 |
| Total domestic deposits to total assets | 85.1484% | 3,336 |
| Equity capital to assets | 11.5558% | 2,412 |
| Core capital (leverage) ratio | 10.4352% | 3,054 |
| Tier 1 risk-based capital ratio | 16.8276% | 2,544 |
| Total risk-based capital ratio | 16.8281% | 3,050 |
| Memoranda: | ||
| Average total assets | $340,001,000 | 1,955 |
| Average earning assets | $317,625,000 | 1,942 |
| Average equity | $38,508,500 | 1,901 |
| Average total loans | $190,855,500 | 2,178 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8842% | 4,184 |
| Cost of funding earning assets | 0.4176% | 3,503 |
| Net interest margin | 3.4666% | 3,912 |
| Noninterest income to average assets | 0.6771% | 2,420 |
| Noninterest expense to average assets | 2.4056% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1037% | 1,959 |
| Return on assets (ROA) | 1.1190% | 1,962 |
| Pretax return on assets | 1.5179% | 1,481 |
| Return on Equity (ROE) | 9.8153% | 2,192 |
| Retained earnings to average equity (ytd only) | 2.4057% | 4,523 |
| Net charge-offs to loans | 0.0438% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 62.1899% | 768 |
| Efficiency ratio | 61.6382% | 4,962 |
| Assets per employee ($millions) | 4.2764% | 3,410 |
| Cash dividends to net income (ytd only)* | 75.4902% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 2,424 |
| Loan loss allowance to noncurrent loans | 406.4103% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 4,917 |
| Noncurrent loans to loans | 0.3716% | 4,538 |
| Net loans and leases to total assets | 54.3787% | 4,532 |
| Net loans and leases to deposits | 63.4480% | 4,586 |
| Net loans and leases to core deposits | 66.4554% | 4,634 |
| Total domestic deposits to total assets | 85.7059% | 2,980 |
| Equity capital to assets | 11.0990% | 2,811 |
| Core capital (leverage) ratio | 10.3478% | 3,116 |
| Tier 1 risk-based capital ratio | 16.2019% | 2,858 |
| Total risk-based capital ratio | 17.4537% | 2,799 |
| Memoranda: | ||
| Average total assets | $328,147,000 | 1,979 |
| Average earning assets | $305,339,400 | 1,965 |
| Average equity | $37,410,800 | 1,876 |
| Average total loans | $180,276,800 | 2,223 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 4,211 |
| Cost of funding earning assets | 0.4263% | 3,508 |
| Net interest margin | 3.4626% | 3,968 |
| Noninterest income to average assets | 0.6070% | 2,822 |
| Noninterest expense to average assets | 2.2702% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1404% | 1,899 |
| Return on assets (ROA) | 1.1602% | 1,888 |
| Pretax return on assets | 1.5865% | 1,368 |
| Return on Equity (ROE) | 10.1060% | 2,168 |
| Retained earnings to average equity (ytd only) | 0.9981% | 5,485 |
| Net charge-offs to loans | 0.0419% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 67.8079% | 794 |
| Efficiency ratio | 59.2815% | 5,277 |
| Assets per employee ($millions) | 3.9369% | 4,019 |
| Cash dividends to net income (ytd only)* | 90.1239% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 2,425 |
| Loan loss allowance to noncurrent loans | 361.3065% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 4,864 |
| Noncurrent loans to loans | 0.4340% | 4,601 |
| Net loans and leases to total assets | 56.6188% | 4,250 |
| Net loans and leases to deposits | 66.6854% | 4,264 |
| Net loans and leases to core deposits | 68.6077% | 4,451 |
| Total domestic deposits to total assets | 84.9044% | 3,377 |
| Equity capital to assets | 11.6527% | 2,361 |
| Core capital (leverage) ratio | 10.4305% | 3,121 |
| Tier 1 risk-based capital ratio | 16.5315% | 2,805 |
| Total risk-based capital ratio | 17.7844% | 2,754 |
| Memoranda: | ||
| Average total assets | $324,655,750 | 2,016 |
| Average earning assets | $302,150,500 | 2,001 |
| Average equity | $37,270,750 | 1,892 |
| Average total loans | $178,123,750 | 2,258 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 4,426 |
| Cost of funding earning assets | 0.4299% | 3,550 |
| Net interest margin | 3.3969% | 4,191 |
| Noninterest income to average assets | 0.5775% | 2,945 |
| Noninterest expense to average assets | 2.2855% | 5,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0697% | 2,038 |
| Return on assets (ROA) | 1.0815% | 2,071 |
| Pretax return on assets | 1.4679% | 1,644 |
| Return on Equity (ROE) | 9.4671% | 2,383 |
| Retained earnings to average equity (ytd only) | 7.7999% | 1,393 |
| Net charge-offs to loans | 0.0488% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 55.1395% | 863 |
| Efficiency ratio | 61.1503% | 5,124 |
| Assets per employee ($millions) | 3.9687% | 3,907 |
| Cash dividends to net income (ytd only)* | 17.6104% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 2,477 |
| Loan loss allowance to noncurrent loans | 368.0255% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 4,986 |
| Noncurrent loans to loans | 0.4335% | 4,686 |
| Net loans and leases to total assets | 54.7508% | 4,444 |
| Net loans and leases to deposits | 64.8068% | 4,403 |
| Net loans and leases to core deposits | 66.3082% | 4,610 |
| Total domestic deposits to total assets | 84.4830% | 3,731 |
| Equity capital to assets | 11.7853% | 2,175 |
| Core capital (leverage) ratio | 10.7348% | 2,681 |
| Tier 1 risk-based capital ratio | 17.1492% | 2,555 |
| Total risk-based capital ratio | 18.4021% | 2,522 |
| Memoranda: | ||
| Average total assets | $326,578,670 | 1,994 |
| Average earning assets | $303,810,000 | 1,987 |
| Average equity | $37,308,000 | 1,885 |
| Average total loans | $176,356,330 | 2,277 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 4,588 |
| Cost of funding earning assets | 0.4381% | 3,556 |
| Net interest margin | 3.3366% | 4,390 |
| Noninterest income to average assets | 0.5441% | 3,088 |
| Noninterest expense to average assets | 2.3854% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9384% | 2,461 |
| Return on assets (ROA) | 0.9439% | 2,504 |
| Pretax return on assets | 1.2667% | 2,224 |
| Return on Equity (ROE) | 8.3946% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.3946% | 1,456 |
| Net charge-offs to loans | -0.0276% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4478% | 4,619 |
| Assets per employee ($millions) | 3.9689% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 2,332 |
| Loan loss allowance to noncurrent loans | 396.2315% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 5,119 |
| Noncurrent loans to loans | 0.4306% | 4,852 |
| Net loans and leases to total assets | 52.1171% | 4,657 |
| Net loans and leases to deposits | 60.9711% | 4,664 |
| Net loans and leases to core deposits | 62.2730% | 4,851 |
| Total domestic deposits to total assets | 85.4784% | 3,627 |
| Equity capital to assets | 11.4948% | 2,252 |
| Core capital (leverage) ratio | 10.5723% | 2,844 |
| Tier 1 risk-based capital ratio | 17.3762% | 2,525 |
| Total risk-based capital ratio | 18.6297% | 2,493 |
| Memoranda: | ||
| Average total assets | $327,152,500 | 1,998 |
| Average earning assets | $304,018,500 | 1,987 |
| Average equity | $36,785,500 | 1,904 |
| Average total loans | $174,002,000 | 2,295 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 4,717 |
| Cost of funding earning assets | 0.5175% | 3,426 |
| Net interest margin | 3.3079% | 4,634 |
| Noninterest income to average assets | 0.6250% | 2,946 |
| Noninterest expense to average assets | 2.3729% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9946% | 2,345 |
| Return on assets (ROA) | 0.9926% | 2,427 |
| Pretax return on assets | 1.3331% | 2,035 |
| Return on Equity (ROE) | 8.8658% | 2,610 |
| Retained earnings to average equity (ytd only) | 0.2693% | 5,729 |
| Net charge-offs to loans | 0.1995% | 2,876 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.1317% | 2,058 |
| Efficiency ratio | 63.9813% | 4,902 |
| Assets per employee ($millions) | 4.0599% | 3,736 |
| Cash dividends to net income (ytd only)* | 96.9623% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 2,494 |
| Loan loss allowance to noncurrent loans | 977.3333% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 5,499 |
| Noncurrent loans to loans | 0.1710% | 5,687 |
| Net loans and leases to total assets | 52.4587% | 4,795 |
| Net loans and leases to deposits | 60.9469% | 4,838 |
| Net loans and leases to core deposits | 64.7889% | 4,801 |
| Total domestic deposits to total assets | 86.0728% | 3,223 |
| Equity capital to assets | 10.9961% | 2,617 |
| Core capital (leverage) ratio | 10.2313% | 3,249 |
| Tier 1 risk-based capital ratio | 16.7340% | 2,746 |
| Total risk-based capital ratio | 17.9877% | 2,695 |
| Memoranda: | ||
| Average total assets | $328,335,600 | 1,965 |
| Average earning assets | $306,087,600 | 1,933 |
| Average equity | $36,759,200 | 1,883 |
| Average total loans | $167,384,200 | 2,333 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,836 |
| Cost of funding earning assets | 0.5300% | 3,464 |
| Net interest margin | 3.2748% | 4,731 |
| Noninterest income to average assets | 0.5846% | 3,249 |
| Noninterest expense to average assets | 2.2242% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0412% | 2,221 |
| Return on assets (ROA) | 1.0412% | 2,300 |
| Pretax return on assets | 1.4178% | 1,878 |
| Return on Equity (ROE) | 9.2586% | 2,513 |
| Retained earnings to average equity (ytd only) | -1.5859% | 6,210 |
| Net charge-offs to loans | 0.1508% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.6629% | 1,666 |
| Efficiency ratio | 61.0708% | 5,272 |
| Assets per employee ($millions) | 3.8128% | 4,204 |
| Cash dividends to net income (ytd only)* | 117.1284% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 2,295 |
| Loan loss allowance to noncurrent loans | 590.9789% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 5,565 |
| Noncurrent loans to loans | 0.3051% | 5,465 |
| Net loans and leases to total assets | 52.3511% | 4,833 |
| Net loans and leases to deposits | 61.0933% | 4,859 |
| Net loans and leases to core deposits | 62.7246% | 5,043 |
| Total domestic deposits to total assets | 85.6905% | 3,408 |
| Equity capital to assets | 11.1011% | 2,661 |
| Core capital (leverage) ratio | 10.2528% | 3,323 |
| Tier 1 risk-based capital ratio | 16.9248% | 2,742 |
| Total risk-based capital ratio | 18.1799% | 2,702 |
| Memoranda: | ||
| Average total assets | $328,206,250 | 1,974 |
| Average earning assets | $306,413,750 | 1,942 |
| Average equity | $36,908,750 | 1,886 |
| Average total loans | $165,369,250 | 2,366 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,992 |
| Cost of funding earning assets | 0.5381% | 3,519 |
| Net interest margin | 3.2105% | 4,910 |
| Noninterest income to average assets | 0.5628% | 3,424 |
| Noninterest expense to average assets | 2.1798% | 5,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0174% | 2,256 |
| Return on assets (ROA) | 1.0192% | 2,370 |
| Pretax return on assets | 1.3861% | 1,983 |
| Return on Equity (ROE) | 9.0256% | 2,596 |
| Retained earnings to average equity (ytd only) | -6.3222% | 6,535 |
| Net charge-offs to loans | 0.0819% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 34.1642% | 1,038 |
| Efficiency ratio | 61.1705% | 5,297 |
| Assets per employee ($millions) | 3.8790% | 4,050 |
| Cash dividends to net income (ytd only)* | 170.0474% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9408% | 1,991 |
| Loan loss allowance to noncurrent loans | 377.2406% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 5,543 |
| Noncurrent loans to loans | 0.5145% | 4,983 |
| Net loans and leases to total assets | 50.2025% | 5,092 |
| Net loans and leases to deposits | 59.2510% | 5,045 |
| Net loans and leases to core deposits | 60.7256% | 5,198 |
| Total domestic deposits to total assets | 84.7285% | 4,024 |
| Equity capital to assets | 11.0613% | 2,696 |
| Core capital (leverage) ratio | 9.8388% | 3,738 |
| Tier 1 risk-based capital ratio | 16.8220% | 2,777 |
| Total risk-based capital ratio | 18.0477% | 2,762 |
| Memoranda: | ||
| Average total assets | $330,849,670 | 1,965 |
| Average earning assets | $309,239,000 | 1,933 |
| Average equity | $37,360,330 | 1,871 |
| Average total loans | $163,576,670 | 2,390 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 5,166 |
| Cost of funding earning assets | 0.5456% | 3,616 |
| Net interest margin | 3.1538% | 5,080 |
| Noninterest income to average assets | 0.5273% | 3,590 |
| Noninterest expense to average assets | 2.2094% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9413% | 2,468 |
| Return on assets (ROA) | 0.9413% | 2,615 |
| Pretax return on assets | 1.2622% | 2,364 |
| Return on Equity (ROE) | 8.2544% | 2,842 |
| Retained earnings to average equity (ytd only) | 5.0217% | 3,214 |
| Net charge-offs to loans | -0.0025% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6426% | 5,062 |
| Assets per employee ($millions) | 3.9931% | 3,965 |
| Cash dividends to net income (ytd only)* | 39.1635% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 1,959 |
| Loan loss allowance to noncurrent loans | 442.0839% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 5,851 |
| Noncurrent loans to loans | 0.4597% | 5,272 |
| Net loans and leases to total assets | 48.0955% | 5,214 |
| Net loans and leases to deposits | 56.5561% | 5,191 |
| Net loans and leases to core deposits | 58.0344% | 5,341 |
| Total domestic deposits to total assets | 85.0403% | 4,019 |
| Equity capital to assets | 11.7444% | 2,221 |
| Core capital (leverage) ratio | 10.3619% | 2,951 |
| Tier 1 risk-based capital ratio | 18.2160% | 2,284 |
| Total risk-based capital ratio | 19.4729% | 2,247 |
| Memoranda: | ||
| Average total assets | $335,294,500 | 1,955 |
| Average earning assets | $313,022,500 | 1,941 |
| Average equity | $38,234,000 | 1,857 |
| Average total loans | $162,949,500 | 2,406 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 4,651 |
| Cost of funding earning assets | 0.6650% | 3,785 |
| Net interest margin | 3.5194% | 4,424 |
| Noninterest income to average assets | 0.5844% | 3,366 |
| Noninterest expense to average assets | 2.4083% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0858% | 1,989 |
| Return on assets (ROA) | 1.0858% | 2,175 |
| Pretax return on assets | 1.4426% | 1,882 |
| Return on Equity (ROE) | 9.2769% | 2,501 |
| Retained earnings to average equity (ytd only) | -1.1412% | 6,037 |
| Net charge-offs to loans | 0.0336% | 5,443 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 83.8929% | 460 |
| Efficiency ratio | 62.5389% | 5,163 |
| Assets per employee ($millions) | 4.0852% | 3,778 |
| Cash dividends to net income (ytd only)* | 112.3020% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 2,080 |
| Loan loss allowance to noncurrent loans | 377.5723% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 5,813 |
| Noncurrent loans to loans | 0.5238% | 5,225 |
| Net loans and leases to total assets | 47.1755% | 5,493 |
| Net loans and leases to deposits | 55.0055% | 5,552 |
| Net loans and leases to core deposits | 56.4116% | 5,683 |
| Total domestic deposits to total assets | 85.7650% | 3,476 |
| Equity capital to assets | 11.0775% | 2,862 |
| Core capital (leverage) ratio | 10.1954% | 3,149 |
| Tier 1 risk-based capital ratio | 17.1873% | 2,568 |
| Total risk-based capital ratio | 18.4432% | 2,538 |
| Memoranda: | ||
| Average total assets | $325,659,600 | 1,972 |
| Average earning assets | $302,265,600 | 1,959 |
| Average equity | $38,116,200 | 1,823 |
| Average total loans | $166,475,600 | 2,350 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 4,471 |
| Cost of funding earning assets | 0.6960% | 3,804 |
| Net interest margin | 3.5984% | 4,243 |
| Noninterest income to average assets | 0.5387% | 3,678 |
| Noninterest expense to average assets | 2.2281% | 5,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1939% | 1,766 |
| Return on assets (ROA) | 1.1939% | 1,940 |
| Pretax return on assets | 1.6512% | 1,406 |
| Return on Equity (ROE) | 10.0569% | 2,327 |
| Retained earnings to average equity (ytd only) | -2.4644% | 6,443 |
| Net charge-offs to loans | 0.0112% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 284.1564% | 162 |
| Efficiency ratio | 57.4347% | 5,866 |
| Assets per employee ($millions) | 3.8019% | 4,301 |
| Cash dividends to net income (ytd only)* | 124.5048% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 2,198 |
| Loan loss allowance to noncurrent loans | 85.5001% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 3,762 |
| Noncurrent loans to loans | 2.3253% | 2,479 |
| Net loans and leases to total assets | 51.6807% | 5,086 |
| Net loans and leases to deposits | 61.2292% | 5,059 |
| Net loans and leases to core deposits | 63.1923% | 5,245 |
| Total domestic deposits to total assets | 84.4053% | 4,032 |
| Equity capital to assets | 12.0340% | 2,229 |
| Core capital (leverage) ratio | 10.3840% | 3,057 |
| Tier 1 risk-based capital ratio | 17.4692% | 2,551 |
| Total risk-based capital ratio | 18.7264% | 2,515 |
| Memoranda: | ||
| Average total assets | $321,285,750 | 2,024 |
| Average earning assets | $298,269,500 | 2,000 |
| Average equity | $38,142,000 | 1,841 |
| Average total loans | $166,806,750 | 2,375 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 4,396 |
| Cost of funding earning assets | 0.7143% | 3,906 |
| Net interest margin | 3.6303% | 4,139 |
| Noninterest income to average assets | 0.5340% | 3,694 |
| Noninterest expense to average assets | 2.2494% | 5,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2308% | 1,608 |
| Return on assets (ROA) | 1.2308% | 1,799 |
| Pretax return on assets | 1.6560% | 1,379 |
| Return on Equity (ROE) | 10.4142% | 2,206 |
| Retained earnings to average equity (ytd only) | -7.4245% | 6,737 |
| Net charge-offs to loans | -0.0072% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5978% | 5,924 |
| Assets per employee ($millions) | 3.8994% | 4,073 |
| Cash dividends to net income (ytd only)* | 171.2921% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 2,159 |
| Loan loss allowance to noncurrent loans | 88.4636% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 3,982 |
| Noncurrent loans to loans | 2.2918% | 2,619 |
| Net loans and leases to total assets | 50.2951% | 5,319 |
| Net loans and leases to deposits | 59.2562% | 5,309 |
| Net loans and leases to core deposits | 61.3223% | 5,454 |
| Total domestic deposits to total assets | 84.8773% | 3,910 |
| Equity capital to assets | 11.6356% | 2,461 |
| Core capital (leverage) ratio | 10.1257% | 3,235 |
| Tier 1 risk-based capital ratio | 17.2154% | 2,582 |
| Total risk-based capital ratio | 18.4728% | 2,538 |
| Memoranda: | ||
| Average total assets | $323,196,000 | 2,005 |
| Average earning assets | $300,141,330 | 1,979 |
| Average equity | $38,198,000 | 1,830 |
| Average total loans | $166,946,000 | 2,382 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 4,994 |
| Cost of funding earning assets | 0.7305% | 4,021 |
| Net interest margin | 3.4998% | 4,700 |
| Noninterest income to average assets | 0.5848% | 3,326 |
| Noninterest expense to average assets | 2.3033% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0981% | 2,091 |
| Return on assets (ROA) | 1.0981% | 2,285 |
| Pretax return on assets | 1.5253% | 1,812 |
| Return on Equity (ROE) | 9.2209% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.7421% | 4,339 |
| Net charge-offs to loans | 0.0024% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1,239.0000% | 12 |
| Efficiency ratio | 60.1608% | 5,591 |
| Assets per employee ($millions) | 3.9609% | 4,094 |
| Cash dividends to net income (ytd only)* | 59.4170% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0095% | 2,328 |
| Loan loss allowance to noncurrent loans | 88.6782% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3935% | 3,781 |
| Noncurrent loans to loans | 2.2660% | 2,842 |
| Net loans and leases to total assets | 49.8621% | 5,323 |
| Net loans and leases to deposits | 59.0652% | 5,272 |
| Net loans and leases to core deposits | 60.6692% | 5,467 |
| Total domestic deposits to total assets | 84.4186% | 4,315 |
| Equity capital to assets | 11.9714% | 2,064 |
| Core capital (leverage) ratio | 10.6483% | 2,598 |
| Tier 1 risk-based capital ratio | 18.0017% | 2,290 |
| Total risk-based capital ratio | 19.2594% | 2,261 |
| Memoranda: | ||
| Average total assets | $324,918,500 | 1,999 |
| Average earning assets | $301,157,500 | 1,973 |
| Average equity | $38,694,500 | 1,797 |
| Average total loans | $168,345,500 | 2,381 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 4,713 |
| Cost of funding earning assets | 0.8780% | 4,268 |
| Net interest margin | 3.7117% | 4,246 |
| Noninterest income to average assets | 0.5275% | 3,667 |
| Noninterest expense to average assets | 2.5266% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0271% | 2,100 |
| Return on assets (ROA) | 1.0271% | 2,250 |
| Pretax return on assets | 1.4491% | 1,627 |
| Return on Equity (ROE) | 8.6759% | 2,595 |
| Retained earnings to average equity (ytd only) | 3.0044% | 4,085 |
| Net charge-offs to loans | 0.0780% | 5,544 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 34.3684% | 755 |
| Efficiency ratio | 63.5516% | 5,206 |
| Assets per employee ($millions) | 3.9640% | 3,933 |
| Cash dividends to net income (ytd only)* | 65.3704% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 2,459 |
| Loan loss allowance to noncurrent loans | 87.1459% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.4143% | 3,868 |
| Noncurrent loans to loans | 2.2238% | 2,931 |
| Net loans and leases to total assets | 51.7159% | 5,358 |
| Net loans and leases to deposits | 61.4603% | 5,317 |
| Net loans and leases to core deposits | 62.8964% | 5,558 |
| Total domestic deposits to total assets | 84.1453% | 4,262 |
| Equity capital to assets | 11.8467% | 2,243 |
| Core capital (leverage) ratio | 10.7051% | 2,519 |
| Tier 1 risk-based capital ratio | 17.5161% | 2,378 |
| Total risk-based capital ratio | 18.7726% | 2,340 |
| Memoranda: | ||
| Average total assets | $315,440,200 | 2,035 |
| Average earning assets | $293,043,600 | 1,995 |
| Average equity | $37,345,000 | 1,801 |
| Average total loans | $170,449,200 | 2,371 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 4,621 |
| Cost of funding earning assets | 0.9089% | 4,338 |
| Net interest margin | 3.7540% | 4,094 |
| Noninterest income to average assets | 0.4826% | 4,017 |
| Noninterest expense to average assets | 2.3196% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2011% | 1,650 |
| Return on assets (ROA) | 1.2011% | 1,762 |
| Pretax return on assets | 1.6585% | 1,235 |
| Return on Equity (ROE) | 10.1470% | 2,146 |
| Retained earnings to average equity (ytd only) | 3.1053% | 4,474 |
| Net charge-offs to loans | 0.0713% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 42.7913% | 738 |
| Efficiency ratio | 58.3084% | 5,967 |
| Assets per employee ($millions) | 3.6965% | 4,549 |
| Cash dividends to net income (ytd only)* | 69.3971% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0009% | 2,334 |
| Loan loss allowance to noncurrent loans | 87.1503% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 3,785 |
| Noncurrent loans to loans | 2.2960% | 3,000 |
| Net loans and leases to total assets | 54.3555% | 5,120 |
| Net loans and leases to deposits | 65.9184% | 4,916 |
| Net loans and leases to core deposits | 67.3566% | 5,259 |
| Total domestic deposits to total assets | 82.4588% | 4,897 |
| Equity capital to assets | 12.6670% | 1,808 |
| Core capital (leverage) ratio | 10.9733% | 2,412 |
| Tier 1 risk-based capital ratio | 18.0354% | 2,236 |
| Total risk-based capital ratio | 19.2924% | 2,196 |
| Memoranda: | ||
| Average total assets | $313,039,000 | 2,055 |
| Average earning assets | $291,490,000 | 2,022 |
| Average equity | $37,054,500 | 1,822 |
| Average total loans | $170,206,000 | 2,390 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 4,778 |
| Cost of funding earning assets | 0.9272% | 4,476 |
| Net interest margin | 3.7163% | 4,192 |
| Noninterest income to average assets | 0.4546% | 4,253 |
| Noninterest expense to average assets | 2.3461% | 6,011 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1494% | 1,720 |
| Return on assets (ROA) | 1.1494% | 1,799 |
| Pretax return on assets | 1.5799% | 1,294 |
| Return on Equity (ROE) | 9.9323% | 2,139 |
| Retained earnings to average equity (ytd only) | 0.9452% | 5,492 |
| Net charge-offs to loans | 0.0655% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 44.6250% | 687 |
| Efficiency ratio | 59.7585% | 5,911 |
| Assets per employee ($millions) | 3.7171% | 4,394 |
| Cash dividends to net income (ytd only)* | 90.4840% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0147% | 2,327 |
| Loan loss allowance to noncurrent loans | 78.0303% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 3,660 |
| Noncurrent loans to loans | 2.5819% | 2,798 |
| Net loans and leases to total assets | 54.2367% | 5,260 |
| Net loans and leases to deposits | 65.5996% | 5,059 |
| Net loans and leases to core deposits | 66.7405% | 5,417 |
| Total domestic deposits to total assets | 82.6783% | 4,913 |
| Equity capital to assets | 12.2420% | 1,939 |
| Core capital (leverage) ratio | 10.5077% | 2,706 |
| Tier 1 risk-based capital ratio | 17.5894% | 2,310 |
| Total risk-based capital ratio | 18.8469% | 2,274 |
| Memoranda: | ||
| Average total assets | $316,348,670 | 2,038 |
| Average earning assets | $295,506,330 | 2,003 |
| Average equity | $36,607,670 | 1,827 |
| Average total loans | $170,901,000 | 2,398 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 5,163 |
| Cost of funding earning assets | 0.9564% | 4,522 |
| Net interest margin | 3.5952% | 4,585 |
| Noninterest income to average assets | 0.2906% | 5,588 |
| Noninterest expense to average assets | 2.2650% | 6,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0319% | 2,065 |
| Return on assets (ROA) | 1.0319% | 2,112 |
| Pretax return on assets | 1.3957% | 1,735 |
| Return on Equity (ROE) | 9.1685% | 2,399 |
| Retained earnings to average equity (ytd only) | -7.2377% | 6,694 |
| Net charge-offs to loans | 0.1744% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 14.9867% | 1,341 |
| Efficiency ratio | 61.8725% | 5,703 |
| Assets per employee ($millions) | 3.8925% | 4,089 |
| Cash dividends to net income (ytd only)* | 178.9410% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 2,434 |
| Loan loss allowance to noncurrent loans | 81.0552% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 3,924 |
| Noncurrent loans to loans | 2.4622% | 3,034 |
| Net loans and leases to total assets | 52.0002% | 5,586 |
| Net loans and leases to deposits | 61.9224% | 5,508 |
| Net loans and leases to core deposits | 65.4833% | 5,566 |
| Total domestic deposits to total assets | 83.9765% | 4,496 |
| Equity capital to assets | 11.2843% | 2,428 |
| Core capital (leverage) ratio | 9.8978% | 3,272 |
| Tier 1 risk-based capital ratio | 17.0081% | 2,470 |
| Total risk-based capital ratio | 18.2651% | 2,445 |
| Memoranda: | ||
| Average total assets | $322,121,500 | 2,025 |
| Average earning assets | $301,960,500 | 1,975 |
| Average equity | $36,254,500 | 1,824 |
| Average total loans | $171,994,500 | 2,407 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 4,815 |
| Cost of funding earning assets | 1.1734% | 4,710 |
| Net interest margin | 3.7704% | 4,065 |
| Noninterest income to average assets | 0.5343% | 3,926 |
| Noninterest expense to average assets | 2.3968% | 6,092 |
| Loan and lease loss provision to assets | 0.3155% | 4,279 |
| Net operating income to assets | 1.0109% | 1,999 |
| Return on assets (ROA) | 1.0162% | 2,093 |
| Pretax return on assets | 1.3549% | 1,782 |
| Return on Equity (ROE) | 8.9046% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.8673% | 1,380 |
| Net charge-offs to loans | 0.2338% | 4,882 |
| Credit loss provision to net charge-offs | 241.9512% | 1,190 |
| Earnings coverage of net charge-offs (x) | 12.7561% | 1,474 |
| Efficiency ratio | 59.0318% | 6,193 |
| Assets per employee ($millions) | 4.0130% | 3,757 |
| Cash dividends to net income (ytd only)* | 22.8795% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9785% | 2,359 |
| Loan loss allowance to noncurrent loans | 261.9409% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 5,753 |
| Noncurrent loans to loans | 0.7553% | 5,532 |
| Net loans and leases to total assets | 52.6605% | 5,826 |
| Net loans and leases to deposits | 62.4979% | 5,792 |
| Net loans and leases to core deposits | 65.6652% | 5,910 |
| Total domestic deposits to total assets | 84.2596% | 4,239 |
| Equity capital to assets | 11.2261% | 2,472 |
| Core capital (leverage) ratio | 10.2633% | 2,801 |
| Tier 1 risk-based capital ratio | 17.3182% | 2,222 |
| Total risk-based capital ratio | 18.5758% | 2,191 |
| Memoranda: | ||
| Average total assets | $314,416,000 | 2,064 |
| Average earning assets | $294,028,800 | 2,021 |
| Average equity | $35,880,400 | 1,842 |
| Average total loans | $175,354,600 | 2,402 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 4,805 |
| Cost of funding earning assets | 1.2095% | 4,807 |
| Net interest margin | 3.7924% | 3,996 |
| Noninterest income to average assets | 0.5153% | 4,062 |
| Noninterest expense to average assets | 2.2017% | 6,601 |
| Loan and lease loss provision to assets | 0.3182% | 4,043 |
| Net operating income to assets | 1.1087% | 1,856 |
| Return on assets (ROA) | 1.1145% | 1,948 |
| Pretax return on assets | 1.5478% | 1,479 |
| Return on Equity (ROE) | 9.7252% | 2,239 |
| Retained earnings to average equity (ytd only) | 8.2511% | 1,332 |
| Net charge-offs to loans | 0.1686% | 4,959 |
| Credit loss provision to net charge-offs | 335.1351% | 948 |
| Earnings coverage of net charge-offs (x) | 19.5678% | 1,203 |
| Efficiency ratio | 54.2351% | 6,771 |
| Assets per employee ($millions) | 3.9632% | 3,912 |
| Cash dividends to net income (ytd only)* | 15.1572% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 2,338 |
| Loan loss allowance to noncurrent loans | 290.4192% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 5,908 |
| Noncurrent loans to loans | 0.6736% | 5,855 |
| Net loans and leases to total assets | 55.0382% | 5,693 |
| Net loans and leases to deposits | 66.3504% | 5,627 |
| Net loans and leases to core deposits | 69.6076% | 5,787 |
| Total domestic deposits to total assets | 82.9508% | 4,611 |
| Equity capital to assets | 12.0956% | 2,093 |
| Core capital (leverage) ratio | 10.5251% | 2,661 |
| Tier 1 risk-based capital ratio | 17.4126% | 2,201 |
| Total risk-based capital ratio | 18.6701% | 2,161 |
| Memoranda: | ||
| Average total assets | $311,756,000 | 2,116 |
| Average earning assets | $291,345,250 | 2,068 |
| Average equity | $35,727,750 | 1,875 |
| Average total loans | $175,535,500 | 2,440 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 4,831 |
| Cost of funding earning assets | 1.2415% | 4,890 |
| Net interest margin | 3.7820% | 3,981 |
| Noninterest income to average assets | 0.4990% | 4,130 |
| Noninterest expense to average assets | 2.2077% | 6,629 |
| Loan and lease loss provision to assets | 0.3173% | 3,842 |
| Net operating income to assets | 1.0848% | 1,906 |
| Return on assets (ROA) | 1.0927% | 1,951 |
| Pretax return on assets | 1.5200% | 1,503 |
| Return on Equity (ROE) | 9.7119% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.1994% | 1,377 |
| Net charge-offs to loans | 0.2508% | 4,089 |
| Credit loss provision to net charge-offs | 224.4344% | 1,730 |
| Earnings coverage of net charge-offs (x) | 12.9186% | 1,630 |
| Efficiency ratio | 54.7257% | 6,792 |
| Assets per employee ($millions) | 3.7697% | 4,295 |
| Cash dividends to net income (ytd only)* | 15.5738% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8073% | 2,697 |
| Loan loss allowance to noncurrent loans | 500.4769% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 6,239 |
| Noncurrent loans to loans | 0.3611% | 6,509 |
| Net loans and leases to total assets | 56.0141% | 5,702 |
| Net loans and leases to deposits | 67.2688% | 5,649 |
| Net loans and leases to core deposits | 70.9256% | 5,777 |
| Total domestic deposits to total assets | 83.2690% | 4,460 |
| Equity capital to assets | 11.8215% | 2,205 |
| Core capital (leverage) ratio | 10.3266% | 2,798 |
| Tier 1 risk-based capital ratio | 16.9731% | 2,289 |
| Total risk-based capital ratio | 18.2286% | 2,240 |
| Memoranda: | ||
| Average total assets | $312,631,670 | 2,135 |
| Average earning assets | $292,223,000 | 2,078 |
| Average equity | $35,173,330 | 1,898 |
| Average total loans | $176,202,670 | 2,467 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 5,112 |
| Cost of funding earning assets | 1.2755% | 4,961 |
| Net interest margin | 3.7047% | 4,217 |
| Noninterest income to average assets | 0.4907% | 4,120 |
| Noninterest expense to average assets | 2.2765% | 6,457 |
| Loan and lease loss provision to assets | 0.3137% | 3,540 |
| Net operating income to assets | 0.9910% | 2,221 |
| Return on assets (ROA) | 1.0067% | 2,221 |
| Pretax return on assets | 1.3861% | 1,814 |
| Return on Equity (ROE) | 9.1726% | 2,434 |
| Retained earnings to average equity (ytd only) | 7.6170% | 1,876 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5632% | 6,553 |
| Assets per employee ($millions) | 3.8443% | 4,218 |
| Cash dividends to net income (ytd only)* | 16.9598% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 2,799 |
| Loan loss allowance to noncurrent loans | 2,863.3028% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 6,628 |
| Noncurrent loans to loans | 0.0621% | 7,246 |
| Net loans and leases to total assets | 54.7266% | 5,927 |
| Net loans and leases to deposits | 66.4036% | 5,777 |
| Net loans and leases to core deposits | 70.2169% | 5,897 |
| Total domestic deposits to total assets | 82.4151% | 4,886 |
| Equity capital to assets | 11.1662% | 2,620 |
| Core capital (leverage) ratio | 9.9574% | 3,219 |
| Tier 1 risk-based capital ratio | 16.5037% | 2,448 |
| Total risk-based capital ratio | 17.7590% | 2,396 |
| Memoranda: | ||
| Average total assets | $316,276,000 | 2,152 |
| Average earning assets | $295,736,000 | 2,110 |
| Average equity | $34,712,000 | 1,940 |
| Average total loans | $177,212,500 | 2,513 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 5,249 |
| Cost of funding earning assets | 1.6460% | 4,815 |
| Net interest margin | 3.6408% | 4,385 |
| Noninterest income to average assets | 0.5773% | 3,800 |
| Noninterest expense to average assets | 2.4323% | 6,365 |
| Loan and lease loss provision to assets | 0.6858% | 3,081 |
| Net operating income to assets | 0.6743% | 3,039 |
| Return on assets (ROA) | 0.7260% | 2,904 |
| Pretax return on assets | 0.9262% | 2,841 |
| Return on Equity (ROE) | 6.6190% | 2,944 |
| Retained earnings to average equity (ytd only) | 6.6190% | 1,111 |
| Net charge-offs to loans | 0.7930% | 2,842 |
| Credit loss provision to net charge-offs | 146.3758% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.2991% | 3,417 |
| Efficiency ratio | 61.1438% | 6,310 |
| Assets per employee ($millions) | 3.9175% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 3,258 |
| Loan loss allowance to noncurrent loans | 2,736.1905% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 6,647 |
| Noncurrent loans to loans | 0.0587% | 7,276 |
| Net loans and leases to total assets | 55.4378% | 6,031 |
| Net loans and leases to deposits | 66.8258% | 5,966 |
| Net loans and leases to core deposits | 75.3785% | 6,448 |
| Total domestic deposits to total assets | 82.9586% | 4,535 |
| Equity capital to assets | 10.7855% | 2,884 |
| Core capital (leverage) ratio | 9.8215% | 3,301 |
| Tier 1 risk-based capital ratio | 15.7114% | 2,638 |
| Total risk-based capital ratio | 16.9647% | 2,578 |
| Memoranda: | ||
| Average total assets | $303,296,800 | 2,197 |
| Average earning assets | $283,292,400 | 2,168 |
| Average equity | $33,267,800 | 2,017 |
| Average total loans | $179,185,400 | 2,525 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3611% | 5,129 |
| Cost of funding earning assets | 1.7266% | 4,765 |
| Net interest margin | 3.6346% | 4,352 |
| Noninterest income to average assets | 0.5617% | 4,001 |
| Noninterest expense to average assets | 2.2975% | 6,717 |
| Loan and lease loss provision to assets | 0.4358% | 3,724 |
| Net operating income to assets | 0.8849% | 2,475 |
| Return on assets (ROA) | 0.9473% | 2,305 |
| Pretax return on assets | 1.3098% | 1,932 |
| Return on Equity (ROE) | 8.5984% | 2,411 |
| Retained earnings to average equity (ytd only) | 8.5984% | 944 |
| Net charge-offs to loans | 0.3027% | 4,137 |
| Credit loss provision to net charge-offs | 240.7862% | 1,811 |
| Earnings coverage of net charge-offs (x) | 9.1647% | 2,140 |
| Efficiency ratio | 58.0710% | 6,709 |
| Assets per employee ($millions) | 3.7491% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 3,197 |
| Loan loss allowance to noncurrent loans | 181.6819% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 5,583 |
| Noncurrent loans to loans | 0.8527% | 5,593 |
| Net loans and leases to total assets | 59.0524% | 5,733 |
| Net loans and leases to deposits | 72.1142% | 5,627 |
| Net loans and leases to core deposits | 81.6687% | 6,219 |
| Total domestic deposits to total assets | 81.8873% | 4,718 |
| Equity capital to assets | 11.4605% | 2,627 |
| Core capital (leverage) ratio | 9.9912% | 3,293 |
| Tier 1 risk-based capital ratio | 15.8975% | 2,667 |
| Total risk-based capital ratio | 17.1505% | 2,597 |
| Memoranda: | ||
| Average total assets | $299,792,000 | 2,227 |
| Average earning assets | $280,007,500 | 2,194 |
| Average equity | $33,028,750 | 2,054 |
| Average total loans | $179,285,250 | 2,551 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3440% | 5,425 |
| Cost of funding earning assets | 1.7854% | 4,832 |
| Net interest margin | 3.5586% | 4,539 |
| Noninterest income to average assets | 0.5458% | 4,060 |
| Noninterest expense to average assets | 2.2759% | 6,835 |
| Loan and lease loss provision to assets | 0.3269% | 3,980 |
| Net operating income to assets | 0.9155% | 2,392 |
| Return on assets (ROA) | 0.9121% | 2,506 |
| Pretax return on assets | 1.2631% | 2,122 |
| Return on Equity (ROE) | 8.3915% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.3915% | 1,096 |
| Net charge-offs to loans | 0.4132% | 3,139 |
| Credit loss provision to net charge-offs | 132.4324% | 3,530 |
| Earnings coverage of net charge-offs (x) | 6.4595% | 2,615 |
| Efficiency ratio | 58.8002% | 6,722 |
| Assets per employee ($millions) | 3.8292% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 4,287 |
| Loan loss allowance to noncurrent loans | 111.1429% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 5,514 |
| Noncurrent loans to loans | 1.1681% | 4,883 |
| Net loans and leases to total assets | 58.6594% | 5,881 |
| Net loans and leases to deposits | 73.0815% | 5,596 |
| Net loans and leases to core deposits | 83.0428% | 6,157 |
| Total domestic deposits to total assets | 80.2657% | 5,365 |
| Equity capital to assets | 10.9150% | 3,005 |
| Core capital (leverage) ratio | 9.6695% | 3,675 |
| Tier 1 risk-based capital ratio | 15.5842% | 2,781 |
| Total risk-based capital ratio | 16.8341% | 2,711 |
| Memoranda: | ||
| Average total assets | $299,747,000 | 2,260 |
| Average earning assets | $280,052,000 | 2,224 |
| Average equity | $32,580,670 | 2,084 |
| Average total loans | $179,080,000 | 2,585 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 5,775 |
| Cost of funding earning assets | 1.8311% | 4,967 |
| Net interest margin | 3.4957% | 4,754 |
| Noninterest income to average assets | 0.5269% | 4,082 |
| Noninterest expense to average assets | 2.2295% | 6,764 |
| Loan and lease loss provision to assets | 0.3285% | 3,351 |
| Net operating income to assets | 0.8835% | 2,773 |
| Return on assets (ROA) | 0.8835% | 2,919 |
| Pretax return on assets | 1.2320% | 2,511 |
| Return on Equity (ROE) | 8.1455% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.1455% | 1,754 |
| Net charge-offs to loans | 0.0694% | 4,506 |
| Credit loss provision to net charge-offs | 790.3226% | 758 |
| Earnings coverage of net charge-offs (x) | 37.5484% | 893 |
| Efficiency ratio | 58.8256% | 6,570 |
| Assets per employee ($millions) | 3.7767% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 3,749 |
| Loan loss allowance to noncurrent loans | 85.9165% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 4,726 |
| Noncurrent loans to loans | 1.5799% | 3,909 |
| Net loans and leases to total assets | 58.3988% | 5,878 |
| Net loans and leases to deposits | 72.8374% | 5,641 |
| Net loans and leases to core deposits | 81.7996% | 6,250 |
| Total domestic deposits to total assets | 80.1769% | 5,298 |
| Equity capital to assets | 10.8249% | 3,149 |
| Core capital (leverage) ratio | 9.6817% | 3,779 |
| Tier 1 risk-based capital ratio | 15.1634% | 2,990 |
| Total risk-based capital ratio | 16.4143% | 2,939 |
| Memoranda: | ||
| Average total assets | $298,366,000 | 2,279 |
| Average earning assets | $278,517,000 | 2,248 |
| Average equity | $32,361,500 | 2,094 |
| Average total loans | $178,728,000 | 2,610 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1309% | 4,891 |
| Cost of funding earning assets | 2.2887% | 5,209 |
| Net interest margin | 3.8423% | 3,831 |
| Noninterest income to average assets | 0.6267% | 3,660 |
| Noninterest expense to average assets | 2.4787% | 6,090 |
| Loan and lease loss provision to assets | 0.3718% | 3,451 |
| Net operating income to assets | 0.9487% | 2,797 |
| Return on assets (ROA) | 0.9487% | 2,653 |
| Pretax return on assets | 1.3192% | 2,245 |
| Return on Equity (ROE) | 8.6627% | 2,773 |
| Retained earnings to average equity (ytd only) | 7.0288% | 1,143 |
| Net charge-offs to loans | 0.1396% | 4,827 |
| Credit loss provision to net charge-offs | 427.5720% | 1,025 |
| Earnings coverage of net charge-offs (x) | 19.4444% | 1,630 |
| Efficiency ratio | 59.4455% | 6,445 |
| Assets per employee ($millions) | 3.5926% | 4,430 |
| Cash dividends to net income (ytd only)* | 18.8608% | 4,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 4,236 |
| Loan loss allowance to noncurrent loans | 66.5065% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 3,872 |
| Noncurrent loans to loans | 1.8641% | 2,966 |
| Net loans and leases to total assets | 59.8685% | 5,931 |
| Net loans and leases to deposits | 74.9642% | 5,737 |
| Net loans and leases to core deposits | 83.2008% | 6,362 |
| Total domestic deposits to total assets | 79.8628% | 5,076 |
| Equity capital to assets | 10.8682% | 3,147 |
| Core capital (leverage) ratio | 9.7159% | 3,747 |
| Tier 1 risk-based capital ratio | 14.7454% | 3,177 |
| Total risk-based capital ratio | 15.9289% | 3,135 |
| Memoranda: | ||
| Average total assets | $279,421,400 | 2,317 |
| Average earning assets | $257,660,200 | 2,306 |
| Average equity | $30,602,600 | 2,207 |
| Average total loans | $174,116,400 | 2,566 |