Home > Farmers National Bank > Performance and Condition Ratios
Farmers National Bank, 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 | 4.8579% | 2,366 |
| Cost of funding earning assets | 1.6528% | 1,560 |
| Net interest margin | 3.2051% | 2,862 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.3601% | 4,410 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 1.4737% | 1,071 |
| Return on assets (ROA) | 1.3011% | 1,403 |
| Pretax return on assets | 1.6464% | 1,157 |
| Return on Equity (ROE) | 11.4000% | 2,124 |
| Retained earnings to average equity (ytd only) | 5.2007% | 2,531 |
| Net charge-offs to loans | 0.0061% | 2,469 |
| Credit loss provision to net charge-offs | -2,328.0000% | 4,580 |
| Earnings coverage of net charge-offs (x) | 605.2000% | 240 |
| Efficiency ratio | 43.2142% | 4,279 |
| Assets per employee ($millions) | 15.2719% | 198 |
| Cash dividends to net income (ytd only)* | 54.3622% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3717% | 92 |
| Loan loss allowance to noncurrent loans | 1,876.1724% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 2,924 |
| Noncurrent loans to loans | 0.1797% | 2,617 |
| Net loans and leases to total assets | 48.7300% | 3,682 |
| Net loans and leases to deposits | 71.6944% | 2,769 |
| Net loans and leases to core deposits | 80.3246% | 2,687 |
| Total domestic deposits to total assets | 67.9800% | 4,345 |
| Equity capital to assets | 11.7013% | 1,225 |
| Core capital (leverage) ratio | 13.7524% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $846,581,800 | 1,138 |
| Average earning assets | $761,436,400 | 1,153 |
| Average equity | $96,660,400 | 970 |
| Average total loans | $408,298,600 | 1,451 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 2,226 |
| Cost of funding earning assets | 1.5590% | 1,458 |
| Net interest margin | 3.2572% | 2,785 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.4040% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4053% | 1,307 |
| Return on assets (ROA) | 1.3505% | 1,400 |
| Pretax return on assets | 1.7170% | 1,137 |
| Return on Equity (ROE) | 11.9400% | 2,141 |
| Retained earnings to average equity (ytd only) | 8.8522% | 1,727 |
| Net charge-offs to loans | 0.0047% | 2,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 803.5000% | 199 |
| Efficiency ratio | 44.0070% | 4,225 |
| Assets per employee ($millions) | 14.0708% | 239 |
| Cash dividends to net income (ytd only)* | 25.8702% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7089% | 66 |
| Loan loss allowance to noncurrent loans | 3,304.4150% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,268 |
| Noncurrent loans to loans | 0.1122% | 3,014 |
| Net loans and leases to total assets | 46.0300% | 3,831 |
| Net loans and leases to deposits | 65.9074% | 3,133 |
| Net loans and leases to core deposits | 73.7389% | 3,009 |
| Total domestic deposits to total assets | 69.8400% | 4,327 |
| Equity capital to assets | 10.9430% | 1,367 |
| Core capital (leverage) ratio | 14.1449% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $839,569,500 | 1,144 |
| Average earning assets | $755,103,750 | 1,164 |
| Average equity | $94,949,500 | 980 |
| Average total loans | $400,613,250 | 1,466 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 2,099 |
| Cost of funding earning assets | 1.4240% | 1,385 |
| Net interest margin | 3.3280% | 2,692 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.3866% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4640% | 1,179 |
| Return on assets (ROA) | 1.3997% | 1,315 |
| Pretax return on assets | 1.7864% | 1,038 |
| Return on Equity (ROE) | 12.2400% | 2,083 |
| Retained earnings to average equity (ytd only) | 7.6510% | 2,086 |
| Net charge-offs to loans | -0.0020% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.6078% | 4,311 |
| Assets per employee ($millions) | 14.1359% | 232 |
| Cash dividends to net income (ytd only)* | 37.5107% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8270% | 66 |
| Loan loss allowance to noncurrent loans | 1,943.8392% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 2,890 |
| Noncurrent loans to loans | 0.1969% | 2,481 |
| Net loans and leases to total assets | 45.1600% | 3,836 |
| Net loans and leases to deposits | 63.1426% | 3,246 |
| Net loans and leases to core deposits | 70.7691% | 3,079 |
| Total domestic deposits to total assets | 71.5200% | 4,311 |
| Equity capital to assets | 11.5466% | 1,192 |
| Core capital (leverage) ratio | 13.9358% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $838,011,000 | 1,141 |
| Average earning assets | $753,675,333 | 1,162 |
| Average equity | $95,804,000 | 969 |
| Average total loans | $399,618,333 | 1,457 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 2,275 |
| Cost of funding earning assets | 1.2390% | 1,364 |
| Net interest margin | 3.2783% | 2,928 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.3948% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4647% | 1,250 |
| Return on assets (ROA) | 1.3695% | 1,459 |
| Pretax return on assets | 1.7338% | 1,208 |
| Return on Equity (ROE) | 12.0400% | 2,206 |
| Retained earnings to average equity (ytd only) | 11.2019% | 1,428 |
| Net charge-offs to loans | -0.0020% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.9283% | 4,342 |
| Assets per employee ($millions) | 14.6540% | 224 |
| Cash dividends to net income (ytd only)* | 6.9541% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8160% | 71 |
| Loan loss allowance to noncurrent loans | 1,506.0302% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 2,679 |
| Noncurrent loans to loans | 0.2534% | 2,238 |
| Net loans and leases to total assets | 45.2200% | 3,815 |
| Net loans and leases to deposits | 62.4691% | 3,199 |
| Net loans and leases to core deposits | 69.4958% | 2,986 |
| Total domestic deposits to total assets | 72.3900% | 4,346 |
| Equity capital to assets | 11.8294% | 1,053 |
| Core capital (leverage) ratio | 13.8100% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $840,007,000 | 1,150 |
| Average earning assets | $766,739,000 | 1,160 |
| Average equity | $95,555,500 | 983 |
| Average total loans | $403,622,500 | 1,465 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 2,032 |
| Cost of funding earning assets | 0.8661% | 292 |
| Net interest margin | 3.0157% | 3,412 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.2593% | 4,578 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 1.3924% | 1,150 |
| Return on assets (ROA) | 1.2859% | 1,438 |
| Pretax return on assets | 1.6938% | 931 |
| Return on Equity (ROE) | 10.7000% | 2,577 |
| Retained earnings to average equity (ytd only) | 6.7004% | 2,367 |
| Net charge-offs to loans | 0.0042% | 2,298 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,711 |
| Earnings coverage of net charge-offs (x) | 903.0625% | 196 |
| Efficiency ratio | 42.4067% | 4,480 |
| Assets per employee ($millions) | 15.3588% | 190 |
| Cash dividends to net income (ytd only)* | 37.3803% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4454% | 82 |
| Loan loss allowance to noncurrent loans | 5,877.7778% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 3,526 |
| Noncurrent loans to loans | 0.0586% | 3,336 |
| Net loans and leases to total assets | 47.3800% | 3,714 |
| Net loans and leases to deposits | 64.9553% | 2,955 |
| Net loans and leases to core deposits | 73.0944% | 2,642 |
| Total domestic deposits to total assets | 72.9500% | 4,394 |
| Equity capital to assets | 10.9268% | 1,290 |
| Core capital (leverage) ratio | 13.5106% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $844,865,200 | 1,138 |
| Average earning assets | $772,581,800 | 1,145 |
| Average equity | $101,530,600 | 934 |
| Average total loans | $384,202,000 | 1,441 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 2,026 |
| Cost of funding earning assets | 0.7975% | 154 |
| Net interest margin | 2.9104% | 3,465 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.2822% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2864% | 1,400 |
| Return on assets (ROA) | 1.2276% | 1,571 |
| Pretax return on assets | 1.5230% | 1,348 |
| Return on Equity (ROE) | 9.9900% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.4705% | 2,202 |
| Net charge-offs to loans | 0.0117% | 1,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 306.3939% | 466 |
| Efficiency ratio | 44.5547% | 4,445 |
| Assets per employee ($millions) | 15.0674% | 202 |
| Cash dividends to net income (ytd only)* | 25.2089% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9500% | 70 |
| Loan loss allowance to noncurrent loans | 4,159.6730% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,469 |
| Noncurrent loans to loans | 0.0950% | 3,197 |
| Net loans and leases to total assets | 43.9900% | 3,877 |
| Net loans and leases to deposits | 61.1380% | 3,099 |
| Net loans and leases to core deposits | 68.2553% | 2,782 |
| Total domestic deposits to total assets | 71.9600% | 4,508 |
| Equity capital to assets | 11.0110% | 1,173 |
| Core capital (leverage) ratio | 13.5434% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $844,897,500 | 1,147 |
| Average earning assets | $774,086,000 | 1,153 |
| Average equity | $103,837,500 | 932 |
| Average total loans | $376,613,000 | 1,460 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 1,999 |
| Cost of funding earning assets | 0.7701% | 111 |
| Net interest margin | 2.7789% | 3,502 |
| Noninterest income to average assets | 0.2113% | 3,935 |
| Noninterest expense to average assets | 1.2564% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2289% | 1,333 |
| Return on assets (ROA) | 1.1563% | 1,565 |
| Pretax return on assets | 1.4168% | 1,388 |
| Return on Equity (ROE) | 9.0937% | 2,668 |
| Retained earnings to average equity (ytd only) | 5.6308% | 2,458 |
| Net charge-offs to loans | -0.0198% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4935% | 4,473 |
| Assets per employee ($millions) | 15.0756% | 200 |
| Cash dividends to net income (ytd only)* | 38.0806% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1333% | 62 |
| Loan loss allowance to noncurrent loans | 2,856.0521% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,345 |
| Noncurrent loans to loans | 0.1447% | 2,977 |
| Net loans and leases to total assets | 42.1352% | 3,964 |
| Net loans and leases to deposits | 57.2265% | 3,290 |
| Net loans and leases to core deposits | 63.8968% | 2,979 |
| Total domestic deposits to total assets | 73.6287% | 4,546 |
| Equity capital to assets | 11.3696% | 1,073 |
| Core capital (leverage) ratio | 13.3792% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $845,272,000 | 1,142 |
| Average earning assets | $775,778,333 | 1,159 |
| Average equity | $107,480,667 | 920 |
| Average total loans | $373,324,667 | 1,463 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 2,008 |
| Cost of funding earning assets | 0.7575% | 108 |
| Net interest margin | 2.6706% | 3,474 |
| Noninterest income to average assets | 0.2114% | 3,895 |
| Noninterest expense to average assets | 1.2315% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1982% | 1,249 |
| Return on assets (ROA) | 1.2320% | 1,149 |
| Pretax return on assets | 1.4987% | 1,019 |
| Return on Equity (ROE) | 9.2027% | 2,243 |
| Retained earnings to average equity (ytd only) | 8.2806% | 1,492 |
| Net charge-offs to loans | -0.0235% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7967% | 4,502 |
| Assets per employee ($millions) | 15.1963% | 197 |
| Cash dividends to net income (ytd only)* | 10.0192% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1654% | 68 |
| Loan loss allowance to noncurrent loans | 1,364.2921% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 2,870 |
| Noncurrent loans to loans | 0.3053% | 2,365 |
| Net loans and leases to total assets | 41.4210% | 3,923 |
| Net loans and leases to deposits | 57.1552% | 3,159 |
| Net loans and leases to core deposits | 64.2897% | 2,774 |
| Total domestic deposits to total assets | 72.4712% | 4,614 |
| Equity capital to assets | 12.5625% | 793 |
| Core capital (leverage) ratio | 13.4178% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $845,791,500 | 1,140 |
| Average earning assets | $784,680,500 | 1,147 |
| Average equity | $113,228,000 | 903 |
| Average total loans | $374,459,000 | 1,447 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5477% | 2,521 |
| Cost of funding earning assets | 0.9441% | 90 |
| Net interest margin | 2.6036% | 4,042 |
| Noninterest income to average assets | 0.4310% | 2,899 |
| Noninterest expense to average assets | 1.4988% | 4,547 |
| Loan and lease loss provision to assets | -0.1475% | 4,624 |
| Net operating income to assets | 1.2247% | 1,838 |
| Return on assets (ROA) | 1.3269% | 1,567 |
| Pretax return on assets | 1.6266% | 1,349 |
| Return on Equity (ROE) | 9.4579% | 2,734 |
| Retained earnings to average equity (ytd only) | 6.7028% | 2,037 |
| Net charge-offs to loans | 0.0149% | 2,016 |
| Credit loss provision to net charge-offs | -2,175.4386% | 4,072 |
| Earnings coverage of net charge-offs (x) | 199.8070% | 546 |
| Efficiency ratio | 52.5300% | 4,079 |
| Assets per employee ($millions) | 14.4929% | 220 |
| Cash dividends to net income (ytd only)* | 29.1297% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0144% | 66 |
| Loan loss allowance to noncurrent loans | 2,776.5880% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,516 |
| Noncurrent loans to loans | 0.1446% | 3,217 |
| Net loans and leases to total assets | 43.5180% | 3,867 |
| Net loans and leases to deposits | 60.4973% | 3,032 |
| Net loans and leases to core deposits | 69.2944% | 2,521 |
| Total domestic deposits to total assets | 71.9338% | 4,642 |
| Equity capital to assets | 14.2222% | 625 |
| Core capital (leverage) ratio | 13.3105% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $840,845,400 | 1,104 |
| Average earning assets | $782,303,400 | 1,109 |
| Average equity | $117,965,400 | 883 |
| Average total loans | $382,906,200 | 1,422 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 2,621 |
| Cost of funding earning assets | 0.9738% | 95 |
| Net interest margin | 2.6023% | 4,128 |
| Noninterest income to average assets | 0.4961% | 2,636 |
| Noninterest expense to average assets | 1.2957% | 4,756 |
| Loan and lease loss provision to assets | -0.0951% | 4,589 |
| Net operating income to assets | 1.3748% | 1,614 |
| Return on assets (ROA) | 1.5527% | 1,188 |
| Pretax return on assets | 1.9374% | 887 |
| Return on Equity (ROE) | 11.1058% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.0078% | 1,689 |
| Net charge-offs to loans | 0.0289% | 1,476 |
| Credit loss provision to net charge-offs | -722.8916% | 3,762 |
| Earnings coverage of net charge-offs (x) | 123.0843% | 762 |
| Efficiency ratio | 44.4420% | 4,567 |
| Assets per employee ($millions) | 15.3191% | 198 |
| Cash dividends to net income (ytd only)* | 18.8910% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3292% | 57 |
| Loan loss allowance to noncurrent loans | 1,894.4048% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 3,448 |
| Noncurrent loans to loans | 0.2285% | 3,027 |
| Net loans and leases to total assets | 40.9923% | 4,146 |
| Net loans and leases to deposits | 58.9343% | 3,330 |
| Net loans and leases to core deposits | 67.9750% | 2,777 |
| Total domestic deposits to total assets | 69.5558% | 4,743 |
| Equity capital to assets | 14.1617% | 695 |
| Core capital (leverage) ratio | 13.0997% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $840,909,750 | 1,111 |
| Average earning assets | $781,796,250 | 1,125 |
| Average equity | $117,569,250 | 894 |
| Average total loans | $383,356,250 | 1,451 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 2,451 |
| Cost of funding earning assets | 0.9957% | 107 |
| Net interest margin | 2.6606% | 4,058 |
| Noninterest income to average assets | 0.6353% | 2,067 |
| Noninterest expense to average assets | 1.2411% | 4,811 |
| Loan and lease loss provision to assets | -0.0479% | 4,513 |
| Net operating income to assets | 1.5399% | 1,191 |
| Return on assets (ROA) | 1.5775% | 1,156 |
| Pretax return on assets | 1.9663% | 889 |
| Return on Equity (ROE) | 11.3330% | 2,294 |
| Retained earnings to average equity (ytd only) | 8.1505% | 2,024 |
| Net charge-offs to loans | 0.0551% | 1,071 |
| Credit loss provision to net charge-offs | -186.9159% | 3,187 |
| Earnings coverage of net charge-offs (x) | 73.0467% | 879 |
| Efficiency ratio | 39.8723% | 4,751 |
| Assets per employee ($millions) | 15.0986% | 195 |
| Cash dividends to net income (ytd only)* | 28.0814% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3373% | 56 |
| Loan loss allowance to noncurrent loans | 752.3788% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 2,648 |
| Noncurrent loans to loans | 0.5765% | 1,956 |
| Net loans and leases to total assets | 42.4906% | 4,147 |
| Net loans and leases to deposits | 60.7021% | 3,326 |
| Net loans and leases to core deposits | 68.5392% | 2,912 |
| Total domestic deposits to total assets | 69.9985% | 4,757 |
| Equity capital to assets | 14.0421% | 710 |
| Core capital (leverage) ratio | 13.0019% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $835,256,667 | 1,112 |
| Average earning assets | $777,720,333 | 1,117 |
| Average equity | $116,262,667 | 891 |
| Average total loans | $388,617,333 | 1,441 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 2,290 |
| Cost of funding earning assets | 1.0337% | 114 |
| Net interest margin | 2.6960% | 3,977 |
| Noninterest income to average assets | 0.7951% | 1,593 |
| Noninterest expense to average assets | 1.2292% | 4,848 |
| Loan and lease loss provision to assets | -0.0482% | 4,651 |
| Net operating income to assets | 1.6705% | 989 |
| Return on assets (ROA) | 1.7790% | 870 |
| Pretax return on assets | 2.2536% | 630 |
| Return on Equity (ROE) | 12.8384% | 1,719 |
| Retained earnings to average equity (ytd only) | 12.8384% | 954 |
| Net charge-offs to loans | -0.0223% | 4,047 |
| Credit loss provision to net charge-offs | 454.5455% | 613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2790% | 4,824 |
| Assets per employee ($millions) | 15.5979% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2603% | 65 |
| Loan loss allowance to noncurrent loans | 723.8387% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 2,795 |
| Noncurrent loans to loans | 0.5886% | 2,097 |
| Net loans and leases to total assets | 44.0702% | 4,107 |
| Net loans and leases to deposits | 63.9710% | 3,126 |
| Net loans and leases to core deposits | 72.0806% | 2,698 |
| Total domestic deposits to total assets | 68.8909% | 4,787 |
| Equity capital to assets | 13.8175% | 711 |
| Core capital (leverage) ratio | 13.1183% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $830,123,000 | 1,105 |
| Average earning assets | $770,464,000 | 1,110 |
| Average equity | $115,029,500 | 896 |
| Average total loans | $395,147,500 | 1,431 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 2,545 |
| Cost of funding earning assets | 1.2734% | 199 |
| Net interest margin | 2.7871% | 4,281 |
| Noninterest income to average assets | 0.3375% | 3,441 |
| Noninterest expense to average assets | 1.3739% | 4,847 |
| Loan and lease loss provision to assets | 0.0649% | 3,565 |
| Net operating income to assets | 1.2269% | 1,458 |
| Return on assets (ROA) | 1.3900% | 1,134 |
| Pretax return on assets | 1.6821% | 883 |
| Return on Equity (ROE) | 9.8323% | 2,064 |
| Retained earnings to average equity (ytd only) | 6.0260% | 1,783 |
| Net charge-offs to loans | -0.0035% | 4,058 |
| Credit loss provision to net charge-offs | -3,571.4286% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9813% | 4,675 |
| Assets per employee ($millions) | 14.8720% | 186 |
| Cash dividends to net income (ytd only)* | 38.7121% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1227% | 64 |
| Loan loss allowance to noncurrent loans | 396.3936% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 2,023 |
| Noncurrent loans to loans | 1.0400% | 1,367 |
| Net loans and leases to total assets | 47.1885% | 4,037 |
| Net loans and leases to deposits | 69.4475% | 2,943 |
| Net loans and leases to core deposits | 77.7744% | 2,573 |
| Total domestic deposits to total assets | 67.9485% | 4,817 |
| Equity capital to assets | 13.8975% | 820 |
| Core capital (leverage) ratio | 13.0372% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $770,872,400 | 1,088 |
| Average earning assets | $715,473,600 | 1,082 |
| Average equity | $108,978,000 | 895 |
| Average total loans | $404,621,400 | 1,343 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 2,433 |
| Cost of funding earning assets | 1.3204% | 225 |
| Net interest margin | 2.8661% | 4,239 |
| Noninterest income to average assets | 0.3573% | 3,320 |
| Noninterest expense to average assets | 1.2363% | 4,929 |
| Loan and lease loss provision to assets | 0.0879% | 3,212 |
| Net operating income to assets | 1.3835% | 1,139 |
| Return on assets (ROA) | 1.5929% | 813 |
| Pretax return on assets | 1.9500% | 571 |
| Return on Equity (ROE) | 11.2164% | 1,617 |
| Retained earnings to average equity (ytd only) | 8.7775% | 1,044 |
| Net charge-offs to loans | -0.0155% | 4,347 |
| Credit loss provision to net charge-offs | -1,063.8298% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9554% | 4,871 |
| Assets per employee ($millions) | 14.2271% | 194 |
| Cash dividends to net income (ytd only)* | 21.7444% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1432% | 58 |
| Loan loss allowance to noncurrent loans | 205.2580% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 1,054 |
| Noncurrent loans to loans | 2.0185% | 596 |
| Net loans and leases to total assets | 49.1698% | 4,136 |
| Net loans and leases to deposits | 73.5713% | 2,995 |
| Net loans and leases to core deposits | 83.1098% | 2,572 |
| Total domestic deposits to total assets | 66.8328% | 4,834 |
| Equity capital to assets | 14.4041% | 760 |
| Core capital (leverage) ratio | 13.6173% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $759,101,000 | 1,086 |
| Average earning assets | $704,920,250 | 1,082 |
| Average equity | $107,803,500 | 900 |
| Average total loans | $405,132,000 | 1,330 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,571 |
| Cost of funding earning assets | 1.3661% | 259 |
| Net interest margin | 2.8960% | 4,310 |
| Noninterest income to average assets | 0.3785% | 3,209 |
| Noninterest expense to average assets | 1.2647% | 4,956 |
| Loan and lease loss provision to assets | 0.1331% | 2,681 |
| Net operating income to assets | 1.3508% | 1,219 |
| Return on assets (ROA) | 1.6712% | 706 |
| Pretax return on assets | 2.0631% | 483 |
| Return on Equity (ROE) | 11.8266% | 1,376 |
| Retained earnings to average equity (ytd only) | 8.1117% | 1,266 |
| Net charge-offs to loans | -0.0123% | 4,265 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2592% | 4,880 |
| Assets per employee ($millions) | 14.8395% | 175 |
| Cash dividends to net income (ytd only)* | 31.4113% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0418% | 62 |
| Loan loss allowance to noncurrent loans | 207.1598% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 1,142 |
| Noncurrent loans to loans | 1.9510% | 702 |
| Net loans and leases to total assets | 51.0980% | 4,090 |
| Net loans and leases to deposits | 76.5558% | 2,800 |
| Net loans and leases to core deposits | 86.8062% | 2,371 |
| Total domestic deposits to total assets | 66.7461% | 4,871 |
| Equity capital to assets | 14.1665% | 820 |
| Core capital (leverage) ratio | 13.4336% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2351% | 877 |
| Memoranda: | ||
| Average total assets | $751,303,667 | 1,084 |
| Average earning assets | $697,040,000 | 1,082 |
| Average equity | $106,167,667 | 904 |
| Average total loans | $406,382,667 | 1,305 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 2,800 |
| Cost of funding earning assets | 1.3989% | 399 |
| Net interest margin | 2.9404% | 4,367 |
| Noninterest income to average assets | 0.2429% | 4,106 |
| Noninterest expense to average assets | 1.2511% | 5,017 |
| Loan and lease loss provision to assets | 0.0540% | 3,094 |
| Net operating income to assets | 1.3631% | 1,076 |
| Return on assets (ROA) | 1.6154% | 669 |
| Pretax return on assets | 1.9705% | 483 |
| Return on Equity (ROE) | 11.4462% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.2090% | 915 |
| Net charge-offs to loans | -0.0158% | 4,242 |
| Credit loss provision to net charge-offs | -625.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1531% | 4,939 |
| Assets per employee ($millions) | 14.0569% | 156 |
| Cash dividends to net income (ytd only)* | 19.5456% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9282% | 77 |
| Loan loss allowance to noncurrent loans | 142.0840% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5303% | 689 |
| Noncurrent loans to loans | 2.7647% | 413 |
| Net loans and leases to total assets | 53.1768% | 4,049 |
| Net loans and leases to deposits | 80.9562% | 2,582 |
| Net loans and leases to core deposits | 93.3739% | 2,027 |
| Total domestic deposits to total assets | 65.6859% | 4,967 |
| Equity capital to assets | 13.9362% | 1,079 |
| Core capital (leverage) ratio | 13.7289% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9914% | 987 |
| Memoranda: | ||
| Average total assets | $741,129,000 | 1,059 |
| Average earning assets | $686,838,000 | 1,054 |
| Average equity | $104,593,500 | 915 |
| Average total loans | $404,120,500 | 1,288 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 2,964 |
| Cost of funding earning assets | 1.3748% | 611 |
| Net interest margin | 3.1198% | 4,339 |
| Noninterest income to average assets | 0.2475% | 4,198 |
| Noninterest expense to average assets | 1.2270% | 5,087 |
| Loan and lease loss provision to assets | 0.2127% | 942 |
| Net operating income to assets | 1.4260% | 1,256 |
| Return on assets (ROA) | 1.4353% | 1,296 |
| Pretax return on assets | 1.7047% | 1,175 |
| Return on Equity (ROE) | 10.0551% | 2,273 |
| Retained earnings to average equity (ytd only) | 6.9206% | 1,422 |
| Net charge-offs to loans | 0.1304% | 1,467 |
| Credit loss provision to net charge-offs | 301.2048% | 922 |
| Earnings coverage of net charge-offs (x) | 26.9940% | 1,676 |
| Efficiency ratio | 39.1582% | 5,079 |
| Assets per employee ($millions) | 15.0457% | 121 |
| Cash dividends to net income (ytd only)* | 31.1728% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0627% | 61 |
| Loan loss allowance to noncurrent loans | 184.5015% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 1,003 |
| Noncurrent loans to loans | 2.2020% | 561 |
| Net loans and leases to total assets | 51.5140% | 4,256 |
| Net loans and leases to deposits | 76.6403% | 3,118 |
| Net loans and leases to core deposits | 88.5814% | 2,559 |
| Total domestic deposits to total assets | 67.2153% | 5,001 |
| Equity capital to assets | 14.2911% | 1,004 |
| Core capital (leverage) ratio | 13.4708% | 1,066 |
| Tier 1 risk-based capital ratio | 17.7228% | 1,834 |
| Total risk-based capital ratio | 18.9932% | 1,780 |
| Memoranda: | ||
| Average total assets | $705,155,000 | 1,063 |
| Average earning assets | $652,295,200 | 1,060 |
| Average equity | $100,655,400 | 902 |
| Average total loans | $382,024,400 | 1,317 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 2,894 |
| Cost of funding earning assets | 1.3527% | 672 |
| Net interest margin | 3.1969% | 4,309 |
| Noninterest income to average assets | 0.2391% | 4,304 |
| Noninterest expense to average assets | 1.2319% | 5,164 |
| Loan and lease loss provision to assets | 0.1148% | 1,696 |
| Net operating income to assets | 1.5460% | 1,073 |
| Return on assets (ROA) | 1.5407% | 1,140 |
| Pretax return on assets | 1.8418% | 995 |
| Return on Equity (ROE) | 10.7973% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.0482% | 1,030 |
| Net charge-offs to loans | -0.0014% | 4,023 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5596% | 5,151 |
| Assets per employee ($millions) | 14.8188% | 127 |
| Cash dividends to net income (ytd only)* | 16.1991% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1778% | 55 |
| Loan loss allowance to noncurrent loans | 270.0121% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 1,703 |
| Noncurrent loans to loans | 1.5473% | 963 |
| Net loans and leases to total assets | 49.5446% | 4,452 |
| Net loans and leases to deposits | 74.2858% | 3,452 |
| Net loans and leases to core deposits | 86.2839% | 2,883 |
| Total domestic deposits to total assets | 66.6946% | 5,088 |
| Equity capital to assets | 14.5409% | 969 |
| Core capital (leverage) ratio | 13.8019% | 1,036 |
| Tier 1 risk-based capital ratio | 19.8706% | 1,379 |
| Total risk-based capital ratio | 21.1444% | 1,350 |
| Memoranda: | ||
| Average total assets | $697,133,750 | 1,074 |
| Average earning assets | $644,519,750 | 1,069 |
| Average equity | $99,479,250 | 906 |
| Average total loans | $378,564,250 | 1,337 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 2,935 |
| Cost of funding earning assets | 1.3075% | 726 |
| Net interest margin | 3.2177% | 4,325 |
| Noninterest income to average assets | 0.2377% | 4,333 |
| Noninterest expense to average assets | 1.2722% | 5,210 |
| Loan and lease loss provision to assets | 0.0873% | 2,099 |
| Net operating income to assets | 1.5552% | 1,001 |
| Return on assets (ROA) | 1.5413% | 1,080 |
| Pretax return on assets | 1.8407% | 951 |
| Return on Equity (ROE) | 10.8739% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.3596% | 1,257 |
| Net charge-offs to loans | -0.0005% | 3,873 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5496% | 5,174 |
| Assets per employee ($millions) | 13.9148% | 131 |
| Cash dividends to net income (ytd only)* | 23.1219% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0130% | 62 |
| Loan loss allowance to noncurrent loans | 397.1598% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 2,311 |
| Noncurrent loans to loans | 1.0104% | 1,622 |
| Net loans and leases to total assets | 52.8827% | 4,297 |
| Net loans and leases to deposits | 79.8008% | 2,974 |
| Net loans and leases to core deposits | 89.2247% | 2,667 |
| Total domestic deposits to total assets | 66.2683% | 5,146 |
| Equity capital to assets | 14.6696% | 904 |
| Core capital (leverage) ratio | 13.7817% | 1,030 |
| Tier 1 risk-based capital ratio | 19.3359% | 1,475 |
| Total risk-based capital ratio | 20.6090% | 1,439 |
| Memoranda: | ||
| Average total assets | $687,472,000 | 1,085 |
| Average earning assets | $636,471,000 | 1,084 |
| Average equity | $97,444,330 | 916 |
| Average total loans | $379,606,330 | 1,337 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 3,075 |
| Cost of funding earning assets | 1.2669% | 735 |
| Net interest margin | 3.1763% | 4,436 |
| Noninterest income to average assets | 0.2359% | 4,325 |
| Noninterest expense to average assets | 1.2252% | 5,278 |
| Loan and lease loss provision to assets | 0.0585% | 2,479 |
| Net operating income to assets | 1.5856% | 922 |
| Return on assets (ROA) | 1.5278% | 1,080 |
| Pretax return on assets | 1.8310% | 911 |
| Return on Equity (ROE) | 10.9738% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.7636% | 856 |
| Net charge-offs to loans | 0.0021% | 2,685 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 1,673.5000% | 23 |
| Efficiency ratio | 38.4743% | 5,237 |
| Assets per employee ($millions) | 14.2253% | 120 |
| Cash dividends to net income (ytd only)* | 1.9157% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0019% | 62 |
| Loan loss allowance to noncurrent loans | 254.5958% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 1,594 |
| Noncurrent loans to loans | 1.5719% | 1,013 |
| Net loans and leases to total assets | 53.3255% | 4,251 |
| Net loans and leases to deposits | 79.6050% | 2,882 |
| Net loans and leases to core deposits | 90.4962% | 2,444 |
| Total domestic deposits to total assets | 66.9876% | 5,195 |
| Equity capital to assets | 14.3062% | 937 |
| Core capital (leverage) ratio | 13.7198% | 1,020 |
| Tier 1 risk-based capital ratio | 18.5945% | 1,632 |
| Total risk-based capital ratio | 19.8663% | 1,591 |
| Memoranda: | ||
| Average total assets | $683,339,000 | 1,097 |
| Average earning assets | $634,315,000 | 1,086 |
| Average equity | $95,135,500 | 930 |
| Average total loans | $377,756,000 | 1,346 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 3,488 |
| Cost of funding earning assets | 1.0900% | 514 |
| Net interest margin | 3.0921% | 4,664 |
| Noninterest income to average assets | 0.2334% | 4,516 |
| Noninterest expense to average assets | 1.2122% | 5,321 |
| Loan and lease loss provision to assets | 0.1054% | 2,087 |
| Net operating income to assets | 1.5200% | 1,071 |
| Return on assets (ROA) | 1.4443% | 1,286 |
| Pretax return on assets | 1.6900% | 1,196 |
| Return on Equity (ROE) | 10.6871% | 2,214 |
| Retained earnings to average equity (ytd only) | 7.2591% | 1,555 |
| Net charge-offs to loans | 0.0164% | 3,138 |
| Credit loss provision to net charge-offs | 1,206.8966% | 330 |
| Earnings coverage of net charge-offs (x) | 215.8793% | 427 |
| Efficiency ratio | 39.1446% | 5,293 |
| Assets per employee ($millions) | 14.2472% | 117 |
| Cash dividends to net income (ytd only)* | 32.0759% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0086% | 56 |
| Loan loss allowance to noncurrent loans | 262.4152% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8521% | 1,641 |
| Noncurrent loans to loans | 1.5276% | 990 |
| Net loans and leases to total assets | 52.8085% | 4,367 |
| Net loans and leases to deposits | 78.6317% | 3,089 |
| Net loans and leases to core deposits | 89.7003% | 2,598 |
| Total domestic deposits to total assets | 67.1593% | 5,227 |
| Equity capital to assets | 13.5387% | 1,130 |
| Core capital (leverage) ratio | 13.5357% | 1,066 |
| Tier 1 risk-based capital ratio | 18.1847% | 1,704 |
| Total risk-based capital ratio | 19.4565% | 1,646 |
| Memoranda: | ||
| Average total assets | $664,427,800 | 1,096 |
| Average earning assets | $615,245,200 | 1,095 |
| Average equity | $89,790,800 | 937 |
| Average total loans | $352,601,600 | 1,392 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 3,567 |
| Cost of funding earning assets | 1.0487% | 483 |
| Net interest margin | 3.0709% | 4,752 |
| Noninterest income to average assets | 0.2339% | 4,573 |
| Noninterest expense to average assets | 1.1939% | 5,393 |
| Loan and lease loss provision to assets | 0.0404% | 3,195 |
| Net operating income to assets | 1.5565% | 1,055 |
| Return on assets (ROA) | 1.5351% | 1,109 |
| Pretax return on assets | 1.8183% | 976 |
| Return on Equity (ROE) | 11.3647% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.2277% | 1,140 |
| Net charge-offs to loans | 0.0261% | 2,589 |
| Credit loss provision to net charge-offs | 294.1176% | 1,040 |
| Earnings coverage of net charge-offs (x) | 137.0802% | 590 |
| Efficiency ratio | 38.7864% | 5,354 |
| Assets per employee ($millions) | 14.1496% | 117 |
| Cash dividends to net income (ytd only)* | 18.8043% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0576% | 57 |
| Loan loss allowance to noncurrent loans | 280.7514% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 1,873 |
| Noncurrent loans to loans | 1.4453% | 1,137 |
| Net loans and leases to total assets | 51.8072% | 4,493 |
| Net loans and leases to deposits | 74.0413% | 3,589 |
| Net loans and leases to core deposits | 85.2874% | 3,067 |
| Total domestic deposits to total assets | 69.9707% | 5,209 |
| Equity capital to assets | 13.6779% | 1,063 |
| Core capital (leverage) ratio | 13.7231% | 1,018 |
| Tier 1 risk-based capital ratio | 18.4946% | 1,673 |
| Total risk-based capital ratio | 19.7664% | 1,621 |
| Memoranda: | ||
| Average total assets | $659,568,750 | 1,107 |
| Average earning assets | $610,871,250 | 1,100 |
| Average equity | $89,092,000 | 939 |
| Average total loans | $346,697,250 | 1,423 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,656 |
| Cost of funding earning assets | 1.0169% | 433 |
| Net interest margin | 3.0212% | 4,847 |
| Noninterest income to average assets | 0.2317% | 4,631 |
| Noninterest expense to average assets | 1.2391% | 5,448 |
| Loan and lease loss provision to assets | 0.0152% | 3,576 |
| Net operating income to assets | 1.5076% | 1,143 |
| Return on assets (ROA) | 1.5076% | 1,137 |
| Pretax return on assets | 1.7806% | 1,006 |
| Return on Equity (ROE) | 11.2085% | 2,033 |
| Retained earnings to average equity (ytd only) | 7.9825% | 1,645 |
| Net charge-offs to loans | -0.0082% | 4,250 |
| Credit loss provision to net charge-offs | -357.1429% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8276% | 5,380 |
| Assets per employee ($millions) | 14.1478% | 115 |
| Cash dividends to net income (ytd only)* | 28.7818% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2415% | 50 |
| Loan loss allowance to noncurrent loans | 213.6565% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 1,322 |
| Noncurrent loans to loans | 1.9852% | 762 |
| Net loans and leases to total assets | 49.2412% | 4,650 |
| Net loans and leases to deposits | 67.1100% | 4,090 |
| Net loans and leases to core deposits | 77.9675% | 3,584 |
| Total domestic deposits to total assets | 73.3739% | 5,093 |
| Equity capital to assets | 13.4420% | 1,122 |
| Core capital (leverage) ratio | 13.4893% | 1,065 |
| Tier 1 risk-based capital ratio | 18.9009% | 1,574 |
| Total risk-based capital ratio | 20.1743% | 1,525 |
| Memoranda: | ||
| Average total assets | $657,748,000 | 1,112 |
| Average earning assets | $610,282,330 | 1,100 |
| Average equity | $88,468,670 | 944 |
| Average total loans | $342,561,330 | 1,434 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,702 |
| Cost of funding earning assets | 0.9837% | 399 |
| Net interest margin | 2.9933% | 4,893 |
| Noninterest income to average assets | 0.2318% | 4,622 |
| Noninterest expense to average assets | 1.1685% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5647% | 925 |
| Return on assets (ROA) | 1.5470% | 968 |
| Pretax return on assets | 1.8296% | 857 |
| Return on Equity (ROE) | 11.4984% | 1,768 |
| Retained earnings to average equity (ytd only) | 11.4984% | 789 |
| Net charge-offs to loans | -0.0140% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7077% | 5,481 |
| Assets per employee ($millions) | 14.5664% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2203% | 53 |
| Loan loss allowance to noncurrent loans | 632.1522% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 3,448 |
| Noncurrent loans to loans | 0.6676% | 2,549 |
| Net loans and leases to total assets | 50.0342% | 4,555 |
| Net loans and leases to deposits | 68.0474% | 3,941 |
| Net loans and leases to core deposits | 78.2003% | 3,476 |
| Total domestic deposits to total assets | 73.5285% | 5,192 |
| Equity capital to assets | 13.4270% | 1,060 |
| Core capital (leverage) ratio | 13.4587% | 1,020 |
| Tier 1 risk-based capital ratio | 18.7893% | 1,606 |
| Total risk-based capital ratio | 20.0629% | 1,561 |
| Memoranda: | ||
| Average total assets | $654,149,500 | 1,127 |
| Average earning assets | $609,099,000 | 1,117 |
| Average equity | $88,012,000 | 954 |
| Average total loans | $342,877,000 | 1,433 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 3,466 |
| Cost of funding earning assets | 0.9302% | 322 |
| Net interest margin | 3.0512% | 4,787 |
| Noninterest income to average assets | 0.2517% | 4,627 |
| Noninterest expense to average assets | 1.2707% | 5,565 |
| Loan and lease loss provision to assets | 0.0322% | 3,627 |
| Net operating income to assets | 1.2286% | 1,430 |
| Return on assets (ROA) | 1.3054% | 1,225 |
| Pretax return on assets | 1.8742% | 642 |
| Return on Equity (ROE) | 9.4204% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.4865% | 1,824 |
| Net charge-offs to loans | -0.0349% | 5,095 |
| Credit loss provision to net charge-offs | -175.4386% | 4,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4260% | 5,502 |
| Assets per employee ($millions) | 14.5069% | 105 |
| Cash dividends to net income (ytd only)* | 41.7591% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2055% | 52 |
| Loan loss allowance to noncurrent loans | 590.3107% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 3,364 |
| Noncurrent loans to loans | 0.7124% | 2,422 |
| Net loans and leases to total assets | 50.3814% | 4,630 |
| Net loans and leases to deposits | 68.3498% | 4,001 |
| Net loans and leases to core deposits | 77.8788% | 3,595 |
| Total domestic deposits to total assets | 73.7111% | 5,210 |
| Equity capital to assets | 13.4820% | 1,073 |
| Core capital (leverage) ratio | 13.2993% | 1,037 |
| Tier 1 risk-based capital ratio | 18.4095% | 1,676 |
| Total risk-based capital ratio | 19.6834% | 1,624 |
| Memoranda: | ||
| Average total assets | $621,873,200 | 1,164 |
| Average earning assets | $573,867,200 | 1,154 |
| Average equity | $86,175,000 | 948 |
| Average total loans | $326,874,600 | 1,455 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,460 |
| Cost of funding earning assets | 0.9195% | 314 |
| Net interest margin | 3.0519% | 4,808 |
| Noninterest income to average assets | 0.2488% | 4,720 |
| Noninterest expense to average assets | 1.2496% | 5,640 |
| Loan and lease loss provision to assets | 0.0217% | 3,712 |
| Net operating income to assets | 1.4547% | 982 |
| Return on assets (ROA) | 1.5792% | 768 |
| Pretax return on assets | 1.9437% | 617 |
| Return on Equity (ROE) | 11.3146% | 1,562 |
| Retained earnings to average equity (ytd only) | 8.5381% | 994 |
| Net charge-offs to loans | -0.0310% | 5,007 |
| Credit loss provision to net charge-offs | -133.3333% | 4,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8198% | 5,561 |
| Assets per employee ($millions) | 13.7081% | 117 |
| Cash dividends to net income (ytd only)* | 24.5395% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3845% | 52 |
| Loan loss allowance to noncurrent loans | 356.8755% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 2,604 |
| Noncurrent loans to loans | 1.2286% | 1,548 |
| Net loans and leases to total assets | 49.4549% | 4,738 |
| Net loans and leases to deposits | 66.7162% | 4,199 |
| Net loans and leases to core deposits | 75.7651% | 3,820 |
| Total domestic deposits to total assets | 74.1272% | 5,226 |
| Equity capital to assets | 14.1834% | 945 |
| Core capital (leverage) ratio | 13.6179% | 986 |
| Tier 1 risk-based capital ratio | 19.6522% | 1,447 |
| Total risk-based capital ratio | 20.9283% | 1,405 |
| Memoranda: | ||
| Average total assets | $614,138,500 | 1,179 |
| Average earning assets | $565,966,250 | 1,173 |
| Average equity | $85,715,750 | 954 |
| Average total loans | $322,759,500 | 1,482 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 3,408 |
| Cost of funding earning assets | 0.8994% | 304 |
| Net interest margin | 3.0408% | 4,814 |
| Noninterest income to average assets | 0.2487% | 4,752 |
| Noninterest expense to average assets | 1.2753% | 5,681 |
| Loan and lease loss provision to assets | 0.0329% | 3,337 |
| Net operating income to assets | 1.4056% | 1,054 |
| Return on assets (ROA) | 1.5664% | 782 |
| Pretax return on assets | 1.9420% | 598 |
| Return on Equity (ROE) | 11.2861% | 1,536 |
| Retained earnings to average equity (ytd only) | 7.1121% | 1,537 |
| Net charge-offs to loans | -0.0491% | 5,167 |
| Credit loss provision to net charge-offs | -126.5823% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7896% | 5,582 |
| Assets per employee ($millions) | 13.6333% | 116 |
| Cash dividends to net income (ytd only)* | 36.9834% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4224% | 54 |
| Loan loss allowance to noncurrent loans | 612.3288% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 3,585 |
| Noncurrent loans to loans | 0.7222% | 2,582 |
| Net loans and leases to total assets | 50.3897% | 4,681 |
| Net loans and leases to deposits | 67.6954% | 4,096 |
| Net loans and leases to core deposits | 77.3428% | 3,651 |
| Total domestic deposits to total assets | 74.4358% | 5,257 |
| Equity capital to assets | 14.2202% | 897 |
| Core capital (leverage) ratio | 13.6620% | 950 |
| Tier 1 risk-based capital ratio | 19.7750% | 1,416 |
| Total risk-based capital ratio | 21.0525% | 1,377 |
| Memoranda: | ||
| Average total assets | $608,660,330 | 1,193 |
| Average earning assets | $561,034,000 | 1,191 |
| Average equity | $84,475,330 | 968 |
| Average total loans | $321,629,670 | 1,487 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 3,412 |
| Cost of funding earning assets | 0.8764% | 322 |
| Net interest margin | 3.0204% | 4,850 |
| Noninterest income to average assets | 0.2540% | 4,721 |
| Noninterest expense to average assets | 1.1995% | 5,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5498% | 749 |
| Return on assets (ROA) | 1.4456% | 925 |
| Pretax return on assets | 1.7115% | 981 |
| Return on Equity (ROE) | 10.5473% | 1,716 |
| Retained earnings to average equity (ytd only) | 5.8633% | 2,403 |
| Net charge-offs to loans | -0.0499% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5217% | 5,707 |
| Assets per employee ($millions) | 13.7761% | 113 |
| Cash dividends to net income (ytd only)* | 44.4089% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4056% | 62 |
| Loan loss allowance to noncurrent loans | 275.3694% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 2,177 |
| Noncurrent loans to loans | 1.5999% | 1,213 |
| Net loans and leases to total assets | 50.7071% | 4,613 |
| Net loans and leases to deposits | 67.9596% | 3,992 |
| Net loans and leases to core deposits | 77.0726% | 3,557 |
| Total domestic deposits to total assets | 74.6135% | 5,367 |
| Equity capital to assets | 13.9127% | 928 |
| Core capital (leverage) ratio | 13.5592% | 959 |
| Tier 1 risk-based capital ratio | 19.1279% | 1,582 |
| Total risk-based capital ratio | 20.4044% | 1,539 |
| Memoranda: | ||
| Average total assets | $606,241,000 | 1,199 |
| Average earning assets | $558,206,500 | 1,193 |
| Average equity | $83,092,500 | 981 |
| Average total loans | $320,722,500 | 1,496 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 3,752 |
| Cost of funding earning assets | 0.9423% | 236 |
| Net interest margin | 2.9047% | 5,135 |
| Noninterest income to average assets | 0.2048% | 5,187 |
| Noninterest expense to average assets | 1.2704% | 5,815 |
| Loan and lease loss provision to assets | 0.1221% | 2,019 |
| Net operating income to assets | 1.2441% | 1,370 |
| Return on assets (ROA) | 1.4478% | 947 |
| Pretax return on assets | 1.7511% | 885 |
| Return on Equity (ROE) | 9.9711% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.2324% | 1,141 |
| Net charge-offs to loans | -0.0420% | 5,347 |
| Credit loss provision to net charge-offs | -546.8750% | 5,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8346% | 5,700 |
| Assets per employee ($millions) | 13.4740% | 117 |
| Cash dividends to net income (ytd only)* | 27.4666% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4152% | 58 |
| Loan loss allowance to noncurrent loans | 798.0226% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 4,105 |
| Noncurrent loans to loans | 0.5533% | 3,186 |
| Net loans and leases to total assets | 50.4334% | 4,734 |
| Net loans and leases to deposits | 68.3340% | 4,060 |
| Net loans and leases to core deposits | 77.4078% | 3,614 |
| Total domestic deposits to total assets | 73.8043% | 5,456 |
| Equity capital to assets | 13.4997% | 1,048 |
| Core capital (leverage) ratio | 13.4243% | 995 |
| Tier 1 risk-based capital ratio | 19.0270% | 1,594 |
| Total risk-based capital ratio | 20.3041% | 1,548 |
| Memoranda: | ||
| Average total assets | $573,353,400 | 1,217 |
| Average earning assets | $531,652,000 | 1,206 |
| Average equity | $83,250,600 | 958 |
| Average total loans | $305,022,800 | 1,499 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,796 |
| Cost of funding earning assets | 0.9431% | 230 |
| Net interest margin | 2.8974% | 5,192 |
| Noninterest income to average assets | 0.2435% | 5,016 |
| Noninterest expense to average assets | 1.2958% | 5,868 |
| Loan and lease loss provision to assets | 0.0708% | 2,797 |
| Net operating income to assets | 1.2578% | 1,423 |
| Return on assets (ROA) | 1.5692% | 808 |
| Pretax return on assets | 1.9606% | 628 |
| Return on Equity (ROE) | 10.6074% | 1,821 |
| Retained earnings to average equity (ytd only) | 9.7621% | 628 |
| Net charge-offs to loans | -0.0358% | 5,234 |
| Credit loss provision to net charge-offs | -370.3704% | 4,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1054% | 5,744 |
| Assets per employee ($millions) | 12.5876% | 143 |
| Cash dividends to net income (ytd only)* | 7.9687% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3951% | 61 |
| Loan loss allowance to noncurrent loans | 544.5064% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 3,688 |
| Noncurrent loans to loans | 0.8072% | 2,648 |
| Net loans and leases to total assets | 51.3845% | 4,704 |
| Net loans and leases to deposits | 69.0388% | 4,059 |
| Net loans and leases to core deposits | 78.6559% | 3,594 |
| Total domestic deposits to total assets | 74.4284% | 5,391 |
| Equity capital to assets | 15.0770% | 722 |
| Core capital (leverage) ratio | 13.9118% | 877 |
| Tier 1 risk-based capital ratio | 19.8922% | 1,464 |
| Total risk-based capital ratio | 21.1704% | 1,423 |
| Memoranda: | ||
| Average total assets | $565,108,750 | 1,234 |
| Average earning assets | $525,513,750 | 1,217 |
| Average equity | $83,600,000 | 962 |
| Average total loans | $301,298,750 | 1,517 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 3,845 |
| Cost of funding earning assets | 0.9298% | 248 |
| Net interest margin | 2.9007% | 5,261 |
| Noninterest income to average assets | 0.2384% | 5,061 |
| Noninterest expense to average assets | 1.2989% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2826% | 1,327 |
| Return on assets (ROA) | 1.6761% | 647 |
| Pretax return on assets | 2.1350% | 436 |
| Return on Equity (ROE) | 11.4051% | 1,511 |
| Retained earnings to average equity (ytd only) | 10.1182% | 572 |
| Net charge-offs to loans | -0.0282% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2446% | 5,809 |
| Assets per employee ($millions) | 12.2595% | 149 |
| Cash dividends to net income (ytd only)* | 11.2838% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4397% | 55 |
| Loan loss allowance to noncurrent loans | 685.1053% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 4,140 |
| Noncurrent loans to loans | 0.6480% | 3,130 |
| Net loans and leases to total assets | 49.8281% | 4,853 |
| Net loans and leases to deposits | 67.0533% | 4,261 |
| Net loans and leases to core deposits | 76.1132% | 3,812 |
| Total domestic deposits to total assets | 74.3112% | 5,487 |
| Equity capital to assets | 14.8229% | 780 |
| Core capital (leverage) ratio | 13.9673% | 829 |
| Tier 1 risk-based capital ratio | 20.1551% | 1,428 |
| Total risk-based capital ratio | 21.4340% | 1,385 |
| Memoranda: | ||
| Average total assets | $560,468,670 | 1,248 |
| Average earning assets | $521,191,670 | 1,232 |
| Average equity | $82,366,670 | 970 |
| Average total loans | $297,995,330 | 1,529 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 3,757 |
| Cost of funding earning assets | 0.9051% | 285 |
| Net interest margin | 2.9486% | 5,228 |
| Noninterest income to average assets | 0.2548% | 4,917 |
| Noninterest expense to average assets | 1.3312% | 5,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2755% | 1,318 |
| Return on assets (ROA) | 1.8089% | 492 |
| Pretax return on assets | 2.3590% | 297 |
| Return on Equity (ROE) | 12.3643% | 1,199 |
| Retained earnings to average equity (ytd only) | 12.3643% | 453 |
| Net charge-offs to loans | -0.0283% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4096% | 5,862 |
| Assets per employee ($millions) | 12.2737% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5009% | 65 |
| Loan loss allowance to noncurrent loans | 465.6643% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 3,527 |
| Noncurrent loans to loans | 0.9666% | 2,445 |
| Net loans and leases to total assets | 51.1627% | 4,711 |
| Net loans and leases to deposits | 67.7916% | 4,081 |
| Net loans and leases to core deposits | 76.0359% | 3,681 |
| Total domestic deposits to total assets | 75.4705% | 5,475 |
| Equity capital to assets | 14.9009% | 714 |
| Core capital (leverage) ratio | 13.9557% | 822 |
| Tier 1 risk-based capital ratio | 19.9106% | 1,518 |
| Total risk-based capital ratio | 21.1898% | 1,481 |
| Memoranda: | ||
| Average total assets | $552,604,500 | 1,266 |
| Average earning assets | $513,999,500 | 1,255 |
| Average equity | $80,845,500 | 984 |
| Average total loans | $296,769,500 | 1,529 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,806 |
| Cost of funding earning assets | 0.8721% | 330 |
| Net interest margin | 2.9984% | 5,140 |
| Noninterest income to average assets | 0.2504% | 5,097 |
| Noninterest expense to average assets | 1.3207% | 6,067 |
| Loan and lease loss provision to assets | 0.3344% | 471 |
| Net operating income to assets | 1.1962% | 1,566 |
| Return on assets (ROA) | 1.4266% | 1,028 |
| Pretax return on assets | 1.6462% | 1,123 |
| Return on Equity (ROE) | 10.0001% | 2,011 |
| Retained earnings to average equity (ytd only) | 7.0665% | 1,252 |
| Net charge-offs to loans | 0.0088% | 4,146 |
| Credit loss provision to net charge-offs | 7,200.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 369.4400% | 181 |
| Efficiency ratio | 43.4969% | 5,991 |
| Assets per employee ($millions) | 12.0194% | 148 |
| Cash dividends to net income (ytd only)* | 29.3359% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4674% | 65 |
| Loan loss allowance to noncurrent loans | 465.5812% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 3,575 |
| Noncurrent loans to loans | 0.9595% | 2,408 |
| Net loans and leases to total assets | 51.4285% | 4,742 |
| Net loans and leases to deposits | 68.4058% | 4,096 |
| Net loans and leases to core deposits | 75.9887% | 3,756 |
| Total domestic deposits to total assets | 75.1815% | 5,538 |
| Equity capital to assets | 14.3592% | 810 |
| Core capital (leverage) ratio | 13.4641% | 983 |
| Tier 1 risk-based capital ratio | 18.9509% | 1,712 |
| Total risk-based capital ratio | 20.2298% | 1,667 |
| Memoranda: | ||
| Average total assets | $538,331,000 | 1,260 |
| Average earning assets | $500,199,600 | 1,249 |
| Average equity | $76,799,200 | 988 |
| Average total loans | $282,639,200 | 1,538 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 3,895 |
| Cost of funding earning assets | 0.8744% | 334 |
| Net interest margin | 2.9852% | 5,232 |
| Noninterest income to average assets | 0.2466% | 5,166 |
| Noninterest expense to average assets | 1.3271% | 6,137 |
| Loan and lease loss provision to assets | 0.1496% | 1,455 |
| Net operating income to assets | 1.2977% | 1,348 |
| Return on assets (ROA) | 1.5909% | 818 |
| Pretax return on assets | 1.8919% | 742 |
| Return on Equity (ROE) | 11.1705% | 1,637 |
| Retained earnings to average equity (ytd only) | 9.3969% | 763 |
| Net charge-offs to loans | 0.0263% | 3,417 |
| Credit loss provision to net charge-offs | 1,090.9091% | 343 |
| Earnings coverage of net charge-offs (x) | 123.4026% | 523 |
| Efficiency ratio | 43.9508% | 6,042 |
| Assets per employee ($millions) | 11.7816% | 154 |
| Cash dividends to net income (ytd only)* | 15.8777% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2594% | 78 |
| Loan loss allowance to noncurrent loans | 426.9993% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 3,757 |
| Noncurrent loans to loans | 0.9975% | 2,492 |
| Net loans and leases to total assets | 50.0471% | 4,927 |
| Net loans and leases to deposits | 65.9507% | 4,391 |
| Net loans and leases to core deposits | 74.6799% | 3,940 |
| Total domestic deposits to total assets | 75.8856% | 5,505 |
| Equity capital to assets | 14.3920% | 888 |
| Core capital (leverage) ratio | 13.5555% | 996 |
| Tier 1 risk-based capital ratio | 19.4714% | 1,668 |
| Total risk-based capital ratio | 20.7472% | 1,631 |
| Memoranda: | ||
| Average total assets | $534,690,250 | 1,275 |
| Average earning assets | $496,658,250 | 1,267 |
| Average equity | $76,151,250 | 1,005 |
| Average total loans | $278,888,500 | 1,567 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8381% | 3,928 |
| Cost of funding earning assets | 0.8691% | 338 |
| Net interest margin | 2.9690% | 5,290 |
| Noninterest income to average assets | 0.2465% | 5,188 |
| Noninterest expense to average assets | 1.3159% | 6,218 |
| Loan and lease loss provision to assets | 0.1973% | 1,005 |
| Net operating income to assets | 1.2638% | 1,414 |
| Return on assets (ROA) | 1.6867% | 667 |
| Pretax return on assets | 1.9994% | 591 |
| Return on Equity (ROE) | 11.8858% | 1,406 |
| Retained earnings to average equity (ytd only) | 9.2010% | 860 |
| Net charge-offs to loans | -0.0267% | 5,281 |
| Credit loss provision to net charge-offs | -1,418.9189% | 5,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7313% | 6,123 |
| Assets per employee ($millions) | 11.5066% | 166 |
| Cash dividends to net income (ytd only)* | 22.5885% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3136% | 82 |
| Loan loss allowance to noncurrent loans | 537.5445% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 4,243 |
| Noncurrent loans to loans | 0.8025% | 3,108 |
| Net loans and leases to total assets | 49.5645% | 4,974 |
| Net loans and leases to deposits | 64.9710% | 4,443 |
| Net loans and leases to core deposits | 72.9889% | 4,043 |
| Total domestic deposits to total assets | 76.2871% | 5,562 |
| Equity capital to assets | 13.9777% | 985 |
| Core capital (leverage) ratio | 13.5272% | 981 |
| Tier 1 risk-based capital ratio | 19.1631% | 1,762 |
| Total risk-based capital ratio | 20.4380% | 1,719 |
| Memoranda: | ||
| Average total assets | $532,268,670 | 1,289 |
| Average earning assets | $495,251,330 | 1,275 |
| Average equity | $75,535,670 | 1,021 |
| Average total loans | $277,418,000 | 1,581 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 4,143 |
| Cost of funding earning assets | 0.8657% | 350 |
| Net interest margin | 2.9010% | 5,453 |
| Noninterest income to average assets | 0.2470% | 5,188 |
| Noninterest expense to average assets | 1.3773% | 6,247 |
| Loan and lease loss provision to assets | 0.0568% | 2,794 |
| Net operating income to assets | 1.3170% | 1,221 |
| Return on assets (ROA) | 1.9273% | 409 |
| Pretax return on assets | 2.2182% | 372 |
| Return on Equity (ROE) | 13.4769% | 991 |
| Retained earnings to average equity (ytd only) | 11.1513% | 696 |
| Net charge-offs to loans | -0.0246% | 5,144 |
| Credit loss provision to net charge-offs | -441.1765% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6752% | 6,079 |
| Assets per employee ($millions) | 11.6112% | 166 |
| Cash dividends to net income (ytd only)* | 17.2563% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2386% | 105 |
| Loan loss allowance to noncurrent loans | 381.2869% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 3,735 |
| Noncurrent loans to loans | 1.1117% | 2,547 |
| Net loans and leases to total assets | 50.2182% | 4,821 |
| Net loans and leases to deposits | 66.7420% | 4,075 |
| Net loans and leases to core deposits | 73.8229% | 3,796 |
| Total domestic deposits to total assets | 75.2422% | 5,808 |
| Equity capital to assets | 14.6965% | 782 |
| Core capital (leverage) ratio | 13.3263% | 1,043 |
| Tier 1 risk-based capital ratio | 19.1851% | 1,822 |
| Total risk-based capital ratio | 20.4599% | 1,770 |
| Memoranda: | ||
| Average total assets | $527,997,000 | 1,293 |
| Average earning assets | $492,107,500 | 1,287 |
| Average equity | $75,507,000 | 1,018 |
| Average total loans | $276,059,500 | 1,584 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,996 |
| Cost of funding earning assets | 0.8834% | 431 |
| Net interest margin | 3.0516% | 5,310 |
| Noninterest income to average assets | 0.2403% | 5,403 |
| Noninterest expense to average assets | 1.3145% | 6,392 |
| Loan and lease loss provision to assets | 0.1913% | 1,341 |
| Net operating income to assets | 1.2601% | 1,402 |
| Return on assets (ROA) | 1.3325% | 1,279 |
| Pretax return on assets | 1.6561% | 1,083 |
| Return on Equity (ROE) | 10.0212% | 2,110 |
| Retained earnings to average equity (ytd only) | 7.9058% | 1,051 |
| Net charge-offs to loans | 0.0242% | 4,351 |
| Credit loss provision to net charge-offs | 1,612.9032% | 182 |
| Earnings coverage of net charge-offs (x) | 148.0968% | 365 |
| Efficiency ratio | 42.7984% | 6,352 |
| Assets per employee ($millions) | 11.5976% | 157 |
| Cash dividends to net income (ytd only)* | 21.1086% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1429% | 120 |
| Loan loss allowance to noncurrent loans | 270.0258% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 3,187 |
| Noncurrent loans to loans | 1.5343% | 1,912 |
| Net loans and leases to total assets | 49.9711% | 4,982 |
| Net loans and leases to deposits | 67.1469% | 4,204 |
| Net loans and leases to core deposits | 74.5358% | 3,873 |
| Total domestic deposits to total assets | 74.4206% | 5,907 |
| Equity capital to assets | 13.9130% | 988 |
| Core capital (leverage) ratio | 13.1164% | 1,092 |
| Tier 1 risk-based capital ratio | 18.4878% | 1,990 |
| Total risk-based capital ratio | 19.7610% | 1,960 |
| Memoranda: | ||
| Average total assets | $522,627,600 | 1,285 |
| Average earning assets | $484,855,800 | 1,269 |
| Average equity | $69,493,000 | 1,060 |
| Average total loans | $256,443,800 | 1,656 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 4,080 |
| Cost of funding earning assets | 0.8842% | 455 |
| Net interest margin | 3.0392% | 5,407 |
| Noninterest income to average assets | 0.2354% | 5,518 |
| Noninterest expense to average assets | 1.3074% | 6,452 |
| Loan and lease loss provision to assets | 0.0577% | 3,215 |
| Net operating income to assets | 1.3669% | 1,205 |
| Return on assets (ROA) | 1.3530% | 1,297 |
| Pretax return on assets | 1.6677% | 1,143 |
| Return on Equity (ROE) | 10.2979% | 2,070 |
| Retained earnings to average equity (ytd only) | 9.5581% | 820 |
| Net charge-offs to loans | -0.0733% | 6,045 |
| Credit loss provision to net charge-offs | -163.0435% | 5,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8656% | 6,399 |
| Assets per employee ($millions) | 11.1479% | 171 |
| Cash dividends to net income (ytd only)* | 7.1835% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2319% | 136 |
| Loan loss allowance to noncurrent loans | 279.8313% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 3,552 |
| Noncurrent loans to loans | 1.5123% | 2,145 |
| Net loans and leases to total assets | 47.2809% | 5,271 |
| Net loans and leases to deposits | 62.2565% | 4,712 |
| Net loans and leases to core deposits | 69.1747% | 4,396 |
| Total domestic deposits to total assets | 75.9455% | 5,820 |
| Equity capital to assets | 13.9147% | 1,038 |
| Core capital (leverage) ratio | 13.0509% | 1,155 |
| Tier 1 risk-based capital ratio | 19.3835% | 1,803 |
| Total risk-based capital ratio | 20.6568% | 1,770 |
| Memoranda: | ||
| Average total assets | $519,912,500 | 1,303 |
| Average earning assets | $481,481,500 | 1,284 |
| Average equity | $68,310,250 | 1,078 |
| Average total loans | $251,026,750 | 1,693 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,040 |
| Cost of funding earning assets | 0.8803% | 476 |
| Net interest margin | 3.0444% | 5,409 |
| Noninterest income to average assets | 0.2403% | 5,472 |
| Noninterest expense to average assets | 1.3105% | 6,519 |
| Loan and lease loss provision to assets | 0.0579% | 3,133 |
| Net operating income to assets | 1.3847% | 1,099 |
| Return on assets (ROA) | 1.2955% | 1,374 |
| Pretax return on assets | 1.5801% | 1,309 |
| Return on Equity (ROE) | 10.0601% | 2,122 |
| Retained earnings to average equity (ytd only) | 8.9251% | 1,013 |
| Net charge-offs to loans | -0.1610% | 6,290 |
| Credit loss provision to net charge-offs | -75.0000% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8662% | 6,455 |
| Assets per employee ($millions) | 11.3726% | 157 |
| Cash dividends to net income (ytd only)* | 11.2831% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4123% | 129 |
| Loan loss allowance to noncurrent loans | 337.5733% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 4,089 |
| Noncurrent loans to loans | 1.3071% | 2,629 |
| Net loans and leases to total assets | 45.2794% | 5,432 |
| Net loans and leases to deposits | 59.2170% | 4,930 |
| Net loans and leases to core deposits | 65.7038% | 4,665 |
| Total domestic deposits to total assets | 76.4636% | 5,863 |
| Equity capital to assets | 13.4764% | 1,165 |
| Core capital (leverage) ratio | 12.9110% | 1,190 |
| Tier 1 risk-based capital ratio | 19.4731% | 1,803 |
| Total risk-based capital ratio | 20.7478% | 1,772 |
| Memoranda: | ||
| Average total assets | $518,566,330 | 1,295 |
| Average earning assets | $479,833,330 | 1,283 |
| Average equity | $66,778,330 | 1,097 |
| Average total loans | $248,477,000 | 1,703 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 3,799 |
| Cost of funding earning assets | 0.8916% | 479 |
| Net interest margin | 3.0812% | 5,306 |
| Noninterest income to average assets | 0.2518% | 5,351 |
| Noninterest expense to average assets | 1.3791% | 6,573 |
| Loan and lease loss provision to assets | 0.0581% | 2,953 |
| Net operating income to assets | 1.4663% | 868 |
| Return on assets (ROA) | 1.1002% | 1,874 |
| Pretax return on assets | 1.2474% | 2,288 |
| Return on Equity (ROE) | 8.7496% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.7496% | 1,325 |
| Net charge-offs to loans | -0.0322% | 5,599 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4778% | 6,477 |
| Assets per employee ($millions) | 11.0637% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4008% | 136 |
| Loan loss allowance to noncurrent loans | 311.2504% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6826% | 4,059 |
| Noncurrent loans to loans | 1.4139% | 2,664 |
| Net loans and leases to total assets | 45.5823% | 5,375 |
| Net loans and leases to deposits | 58.0267% | 4,939 |
| Net loans and leases to core deposits | 63.7667% | 4,708 |
| Total domestic deposits to total assets | 78.5540% | 5,745 |
| Equity capital to assets | 13.1437% | 1,235 |
| Core capital (leverage) ratio | 12.4261% | 1,418 |
| Tier 1 risk-based capital ratio | 19.1143% | 1,932 |
| Total risk-based capital ratio | 20.3882% | 1,888 |
| Memoranda: | ||
| Average total assets | $516,280,500 | 1,307 |
| Average earning assets | $477,346,000 | 1,294 |
| Average equity | $64,917,500 | 1,124 |
| Average total loans | $248,811,500 | 1,701 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 4,644 |
| Cost of funding earning assets | 0.9671% | 535 |
| Net interest margin | 2.8770% | 5,832 |
| Noninterest income to average assets | 0.2501% | 5,557 |
| Noninterest expense to average assets | 1.2662% | 6,694 |
| Loan and lease loss provision to assets | 0.1955% | 1,898 |
| Net operating income to assets | 1.1638% | 1,707 |
| Return on assets (ROA) | 1.3032% | 1,281 |
| Pretax return on assets | 1.6614% | 1,031 |
| Return on Equity (ROE) | 10.4107% | 1,950 |
| Retained earnings to average equity (ytd only) | 8.2770% | 963 |
| Net charge-offs to loans | 0.3631% | 1,863 |
| Credit loss provision to net charge-offs | 117.3709% | 2,053 |
| Earnings coverage of net charge-offs (x) | 10.0739% | 2,425 |
| Efficiency ratio | 43.0042% | 6,636 |
| Assets per employee ($millions) | 11.3833% | 156 |
| Cash dividends to net income (ytd only)* | 20.4951% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1512% | 181 |
| Loan loss allowance to noncurrent loans | 291.5702% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 4,174 |
| Noncurrent loans to loans | 1.4237% | 2,755 |
| Net loans and leases to total assets | 46.6699% | 5,426 |
| Net loans and leases to deposits | 62.0126% | 4,715 |
| Net loans and leases to core deposits | 68.4339% | 4,457 |
| Total domestic deposits to total assets | 75.2587% | 6,165 |
| Equity capital to assets | 12.0205% | 1,788 |
| Core capital (leverage) ratio | 12.1961% | 1,498 |
| Tier 1 risk-based capital ratio | 17.6735% | 2,348 |
| Total risk-based capital ratio | 18.9449% | 2,320 |
| Memoranda: | ||
| Average total assets | $511,438,600 | 1,298 |
| Average earning assets | $478,966,600 | 1,273 |
| Average equity | $64,020,800 | 1,118 |
| Average total loans | $234,639,200 | 1,761 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 4,835 |
| Cost of funding earning assets | 0.9814% | 545 |
| Net interest margin | 2.8238% | 5,979 |
| Noninterest income to average assets | 0.2465% | 5,671 |
| Noninterest expense to average assets | 1.2856% | 6,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2262% | 1,544 |
| Return on assets (ROA) | 1.4193% | 1,110 |
| Pretax return on assets | 1.8652% | 766 |
| Return on Equity (ROE) | 11.2238% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.4233% | 707 |
| Net charge-offs to loans | 0.5169% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.9022% | 2,887 |
| Efficiency ratio | 44.3821% | 6,642 |
| Assets per employee ($millions) | 11.2696% | 161 |
| Cash dividends to net income (ytd only)* | 7.1322% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0494% | 228 |
| Loan loss allowance to noncurrent loans | 217.3230% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 3,998 |
| Noncurrent loans to loans | 1.8633% | 2,417 |
| Net loans and leases to total assets | 43.6370% | 5,758 |
| Net loans and leases to deposits | 56.3748% | 5,340 |
| Net loans and leases to core deposits | 62.4373% | 5,068 |
| Total domestic deposits to total assets | 77.4051% | 5,987 |
| Equity capital to assets | 12.1439% | 1,833 |
| Core capital (leverage) ratio | 12.2764% | 1,534 |
| Tier 1 risk-based capital ratio | 18.6744% | 2,087 |
| Total risk-based capital ratio | 19.9444% | 2,051 |
| Memoranda: | ||
| Average total assets | $508,390,500 | 1,314 |
| Average earning assets | $477,122,250 | 1,287 |
| Average equity | $64,290,250 | 1,124 |
| Average total loans | $229,558,500 | 1,794 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 5,018 |
| Cost of funding earning assets | 0.9882% | 571 |
| Net interest margin | 2.7533% | 6,092 |
| Noninterest income to average assets | 0.2245% | 5,835 |
| Noninterest expense to average assets | 1.2997% | 6,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1477% | 1,757 |
| Return on assets (ROA) | 1.4509% | 1,059 |
| Pretax return on assets | 1.9364% | 687 |
| Return on Equity (ROE) | 11.3199% | 1,712 |
| Retained earnings to average equity (ytd only) | 10.1273% | 819 |
| Net charge-offs to loans | -0.0651% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8957% | 6,642 |
| Assets per employee ($millions) | 11.5375% | 159 |
| Cash dividends to net income (ytd only)* | 10.5349% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6109% | 166 |
| Loan loss allowance to noncurrent loans | 317.5529% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 4,597 |
| Noncurrent loans to loans | 1.4520% | 3,126 |
| Net loans and leases to total assets | 42.8345% | 5,833 |
| Net loans and leases to deposits | 55.6206% | 5,378 |
| Net loans and leases to core deposits | 60.6758% | 5,207 |
| Total domestic deposits to total assets | 77.0120% | 6,123 |
| Equity capital to assets | 12.3439% | 1,679 |
| Core capital (leverage) ratio | 12.2692% | 1,468 |
| Tier 1 risk-based capital ratio | 18.6941% | 2,086 |
| Total risk-based capital ratio | 19.9687% | 2,044 |
| Memoranda: | ||
| Average total assets | $505,054,000 | 1,322 |
| Average earning assets | $478,265,330 | 1,285 |
| Average equity | $64,735,670 | 1,120 |
| Average total loans | $227,491,000 | 1,804 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6992% | 5,168 |
| Cost of funding earning assets | 1.0000% | 611 |
| Net interest margin | 2.6992% | 6,212 |
| Noninterest income to average assets | 0.2168% | 5,922 |
| Noninterest expense to average assets | 1.3912% | 6,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0427% | 2,065 |
| Return on assets (ROA) | 1.5198% | 903 |
| Pretax return on assets | 2.0510% | 543 |
| Return on Equity (ROE) | 11.6403% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.4579% | 786 |
| Net charge-offs to loans | -0.0634% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7303% | 6,520 |
| Assets per employee ($millions) | 11.6978% | 152 |
| Cash dividends to net income (ytd only)* | 1.5674% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7102% | 166 |
| Loan loss allowance to noncurrent loans | 305.4243% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 4,676 |
| Noncurrent loans to loans | 1.5422% | 3,238 |
| Net loans and leases to total assets | 42.1211% | 5,836 |
| Net loans and leases to deposits | 54.2690% | 5,411 |
| Net loans and leases to core deposits | 59.0439% | 5,243 |
| Total domestic deposits to total assets | 77.6154% | 6,170 |
| Equity capital to assets | 13.2072% | 1,335 |
| Core capital (leverage) ratio | 11.9546% | 1,596 |
| Tier 1 risk-based capital ratio | 18.7400% | 2,114 |
| Total risk-based capital ratio | 20.0156% | 2,081 |
| Memoranda: | ||
| Average total assets | $503,755,500 | 1,339 |
| Average earning assets | $481,620,000 | 1,289 |
| Average equity | $65,771,500 | 1,120 |
| Average total loans | $227,256,000 | 1,818 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 4,704 |
| Cost of funding earning assets | 1.2535% | 454 |
| Net interest margin | 2.9129% | 6,203 |
| Noninterest income to average assets | 0.2004% | 5,983 |
| Noninterest expense to average assets | 1.7141% | 6,711 |
| Loan and lease loss provision to assets | 0.2782% | 2,429 |
| Net operating income to assets | 0.7533% | 3,498 |
| Return on assets (ROA) | 1.2826% | 1,508 |
| Pretax return on assets | 1.6852% | 1,172 |
| Return on Equity (ROE) | 9.9378% | 2,196 |
| Retained earnings to average equity (ytd only) | 8.0233% | 1,116 |
| Net charge-offs to loans | -0.0098% | 6,459 |
| Credit loss provision to net charge-offs | -6,380.9524% | 6,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4981% | 5,898 |
| Assets per employee ($millions) | 11.4660% | 163 |
| Cash dividends to net income (ytd only)* | 19.2650% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4955% | 186 |
| Loan loss allowance to noncurrent loans | 311.3663% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 4,820 |
| Noncurrent loans to loans | 1.4438% | 3,436 |
| Net loans and leases to total assets | 43.9501% | 5,823 |
| Net loans and leases to deposits | 57.7825% | 5,265 |
| Net loans and leases to core deposits | 63.2778% | 5,037 |
| Total domestic deposits to total assets | 76.0612% | 6,347 |
| Equity capital to assets | 12.9057% | 1,489 |
| Core capital (leverage) ratio | 11.8219% | 1,653 |
| Tier 1 risk-based capital ratio | 18.0175% | 2,255 |
| Total risk-based capital ratio | 19.2927% | 2,220 |
| Memoranda: | ||
| Average total assets | $481,592,400 | 1,380 |
| Average earning assets | $459,749,400 | 1,326 |
| Average equity | $62,156,600 | 1,148 |
| Average total loans | $214,808,800 | 1,887 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 4,612 |
| Cost of funding earning assets | 1.3040% | 428 |
| Net interest margin | 2.9554% | 6,261 |
| Noninterest income to average assets | 0.1989% | 6,105 |
| Noninterest expense to average assets | 1.2510% | 7,063 |
| Loan and lease loss provision to assets | 0.3754% | 1,720 |
| Net operating income to assets | 0.9875% | 2,573 |
| Return on assets (ROA) | 1.6083% | 920 |
| Pretax return on assets | 2.2465% | 445 |
| Return on Equity (ROE) | 12.4607% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.7009% | 580 |
| Net charge-offs to loans | 0.0025% | 5,735 |
| Credit loss provision to net charge-offs | 33,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,571.1932% | 21 |
| Efficiency ratio | 41.5503% | 6,979 |
| Assets per employee ($millions) | 11.5628% | 162 |
| Cash dividends to net income (ytd only)* | 6.0976% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9652% | 150 |
| Loan loss allowance to noncurrent loans | 266.9059% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 4,697 |
| Noncurrent loans to loans | 1.8603% | 3,000 |
| Net loans and leases to total assets | 41.0363% | 6,195 |
| Net loans and leases to deposits | 53.2033% | 5,875 |
| Net loans and leases to core deposits | 59.2020% | 5,636 |
| Total domestic deposits to total assets | 77.1311% | 6,211 |
| Equity capital to assets | 13.3443% | 1,415 |
| Core capital (leverage) ratio | 12.0589% | 1,622 |
| Tier 1 risk-based capital ratio | 19.5312% | 1,872 |
| Total risk-based capital ratio | 20.8092% | 1,836 |
| Memoranda: | ||
| Average total assets | $475,864,500 | 1,408 |
| Average earning assets | $452,765,000 | 1,365 |
| Average equity | $61,418,250 | 1,170 |
| Average total loans | $210,469,250 | 1,940 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 4,394 |
| Cost of funding earning assets | 1.3366% | 455 |
| Net interest margin | 3.0086% | 6,224 |
| Noninterest income to average assets | 0.1917% | 6,183 |
| Noninterest expense to average assets | 1.2361% | 7,131 |
| Loan and lease loss provision to assets | 0.5671% | 1,075 |
| Net operating income to assets | 0.8934% | 2,942 |
| Return on assets (ROA) | 1.6128% | 909 |
| Pretax return on assets | 2.2463% | 455 |
| Return on Equity (ROE) | 12.6424% | 1,461 |
| Retained earnings to average equity (ytd only) | 11.4813% | 662 |
| Net charge-offs to loans | -0.0028% | 6,114 |
| Credit loss provision to net charge-offs | -44,666.6667% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5244% | 7,056 |
| Assets per employee ($millions) | 11.4632% | 162 |
| Cash dividends to net income (ytd only)* | 9.1839% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0640% | 156 |
| Loan loss allowance to noncurrent loans | 243.7763% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 4,595 |
| Noncurrent loans to loans | 2.0773% | 2,854 |
| Net loans and leases to total assets | 40.5701% | 6,305 |
| Net loans and leases to deposits | 53.6742% | 5,906 |
| Net loans and leases to core deposits | 59.5248% | 5,643 |
| Total domestic deposits to total assets | 75.5857% | 6,519 |
| Equity capital to assets | 12.9893% | 1,528 |
| Core capital (leverage) ratio | 11.8322% | 1,698 |
| Tier 1 risk-based capital ratio | 19.6429% | 1,803 |
| Total risk-based capital ratio | 20.9227% | 1,761 |
| Memoranda: | ||
| Average total assets | $472,606,670 | 1,421 |
| Average earning assets | $449,045,000 | 1,376 |
| Average equity | $60,289,330 | 1,186 |
| Average total loans | $210,725,670 | 1,936 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 4,389 |
| Cost of funding earning assets | 1.3665% | 474 |
| Net interest margin | 3.0180% | 6,252 |
| Noninterest income to average assets | 0.2136% | 6,095 |
| Noninterest expense to average assets | 1.3021% | 7,172 |
| Loan and lease loss provision to assets | 0.6408% | 861 |
| Net operating income to assets | 0.8278% | 3,266 |
| Return on assets (ROA) | 1.6165% | 939 |
| Pretax return on assets | 2.2342% | 509 |
| Return on Equity (ROE) | 12.7913% | 1,464 |
| Retained earnings to average equity (ytd only) | 12.7913% | 713 |
| Net charge-offs to loans | -0.0038% | 5,763 |
| Credit loss provision to net charge-offs | -37,500.0000% | 6,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2512% | 7,049 |
| Assets per employee ($millions) | 10.8578% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7124% | 215 |
| Loan loss allowance to noncurrent loans | 208.9962% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 4,537 |
| Noncurrent loans to loans | 2.2548% | 2,856 |
| Net loans and leases to total assets | 41.5934% | 6,230 |
| Net loans and leases to deposits | 55.2709% | 5,678 |
| Net loans and leases to core deposits | 58.2028% | 5,693 |
| Total domestic deposits to total assets | 75.2536% | 6,617 |
| Equity capital to assets | 12.6254% | 1,647 |
| Core capital (leverage) ratio | 11.6397% | 1,808 |
| Tier 1 risk-based capital ratio | 19.0996% | 1,961 |
| Total risk-based capital ratio | 20.3767% | 1,923 |
| Memoranda: | ||
| Average total assets | $468,182,000 | 1,434 |
| Average earning assets | $444,929,000 | 1,386 |
| Average equity | $59,165,000 | 1,200 |
| Average total loans | $213,215,500 | 1,923 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 3,861 |
| Cost of funding earning assets | 1.5864% | 500 |
| Net interest margin | 3.2038% | 6,083 |
| Noninterest income to average assets | 0.1630% | 6,322 |
| Noninterest expense to average assets | 1.4295% | 7,203 |
| Loan and lease loss provision to assets | 0.4091% | 2,548 |
| Net operating income to assets | 1.0695% | 1,926 |
| Return on assets (ROA) | 1.2990% | 1,353 |
| Pretax return on assets | 1.6532% | 1,098 |
| Return on Equity (ROE) | 10.8361% | 1,755 |
| Retained earnings to average equity (ytd only) | 8.6836% | 884 |
| Net charge-offs to loans | 0.0388% | 5,921 |
| Credit loss provision to net charge-offs | 2,183.1325% | 105 |
| Earnings coverage of net charge-offs (x) | 94.5542% | 321 |
| Efficiency ratio | 44.6544% | 7,100 |
| Assets per employee ($millions) | 10.4232% | 207 |
| Cash dividends to net income (ytd only)* | 19.8644% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1653% | 335 |
| Loan loss allowance to noncurrent loans | 164.7486% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 4,234 |
| Noncurrent loans to loans | 2.5283% | 2,603 |
| Net loans and leases to total assets | 45.5318% | 6,050 |
| Net loans and leases to deposits | 60.5706% | 5,427 |
| Net loans and leases to core deposits | 68.1836% | 5,002 |
| Total domestic deposits to total assets | 75.1715% | 6,581 |
| Equity capital to assets | 12.6494% | 1,699 |
| Core capital (leverage) ratio | 11.6277% | 1,802 |
| Tier 1 risk-based capital ratio | 18.4019% | 2,078 |
| Total risk-based capital ratio | 19.6758% | 2,034 |
| Memoranda: | ||
| Average total assets | $442,953,600 | 1,475 |
| Average earning assets | $420,063,400 | 1,429 |
| Average equity | $53,100,400 | 1,281 |
| Average total loans | $214,086,600 | 1,920 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 3,845 |
| Cost of funding earning assets | 1.6314% | 514 |
| Net interest margin | 3.2064% | 6,146 |
| Noninterest income to average assets | 0.1509% | 6,507 |
| Noninterest expense to average assets | 1.4583% | 7,256 |
| Loan and lease loss provision to assets | 0.4015% | 2,443 |
| Net operating income to assets | 1.0521% | 2,132 |
| Return on assets (ROA) | 1.3098% | 1,439 |
| Pretax return on assets | 1.6609% | 1,226 |
| Return on Equity (ROE) | 11.0859% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.1863% | 792 |
| Net charge-offs to loans | 0.0601% | 5,366 |
| Credit loss provision to net charge-offs | 1,377.0833% | 199 |
| Earnings coverage of net charge-offs (x) | 59.5506% | 557 |
| Efficiency ratio | 45.6507% | 7,080 |
| Assets per employee ($millions) | 9.7907% | 266 |
| Cash dividends to net income (ytd only)* | 8.1151% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0038% | 390 |
| Loan loss allowance to noncurrent loans | 195.2403% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9750% | 4,796 |
| Noncurrent loans to loans | 2.0507% | 3,301 |
| Net loans and leases to total assets | 45.6398% | 6,176 |
| Net loans and leases to deposits | 61.5837% | 5,456 |
| Net loans and leases to core deposits | 70.0470% | 4,942 |
| Total domestic deposits to total assets | 74.1102% | 6,745 |
| Equity capital to assets | 12.5952% | 1,853 |
| Core capital (leverage) ratio | 11.6887% | 1,893 |
| Tier 1 risk-based capital ratio | 18.8512% | 1,977 |
| Total risk-based capital ratio | 20.1244% | 1,941 |
| Memoranda: | ||
| Average total assets | $439,036,500 | 1,498 |
| Average earning assets | $416,733,000 | 1,447 |
| Average equity | $51,872,250 | 1,314 |
| Average total loans | $213,134,500 | 1,943 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 3,699 |
| Cost of funding earning assets | 1.6634% | 545 |
| Net interest margin | 3.2181% | 6,107 |
| Noninterest income to average assets | 0.1429% | 6,607 |
| Noninterest expense to average assets | 1.4658% | 7,328 |
| Loan and lease loss provision to assets | 0.2605% | 3,317 |
| Net operating income to assets | 1.1883% | 1,611 |
| Return on assets (ROA) | 1.2393% | 1,540 |
| Pretax return on assets | 1.5384% | 1,408 |
| Return on Equity (ROE) | 10.7333% | 1,889 |
| Retained earnings to average equity (ytd only) | 9.3404% | 1,001 |
| Net charge-offs to loans | 0.0442% | 5,237 |
| Credit loss provision to net charge-offs | 1,206.3830% | 280 |
| Earnings coverage of net charge-offs (x) | 80.3830% | 422 |
| Efficiency ratio | 45.7807% | 7,163 |
| Assets per employee ($millions) | 9.7828% | 253 |
| Cash dividends to net income (ytd only)* | 12.9774% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7319% | 502 |
| Loan loss allowance to noncurrent loans | 208.3974% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 5,116 |
| Noncurrent loans to loans | 1.7908% | 3,769 |
| Net loans and leases to total assets | 46.0982% | 6,259 |
| Net loans and leases to deposits | 62.2553% | 5,468 |
| Net loans and leases to core deposits | 70.7720% | 4,982 |
| Total domestic deposits to total assets | 74.0471% | 6,842 |
| Equity capital to assets | 12.0747% | 2,046 |
| Core capital (leverage) ratio | 11.5386% | 1,891 |
| Tier 1 risk-based capital ratio | 18.5717% | 1,979 |
| Total risk-based capital ratio | 19.8425% | 1,935 |
| Memoranda: | ||
| Average total assets | $435,258,670 | 1,519 |
| Average earning assets | $413,726,000 | 1,466 |
| Average equity | $50,254,670 | 1,337 |
| Average total loans | $212,805,670 | 1,969 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 3,346 |
| Cost of funding earning assets | 1.6888% | 582 |
| Net interest margin | 3.2573% | 5,908 |
| Noninterest income to average assets | 0.1617% | 6,570 |
| Noninterest expense to average assets | 1.4151% | 7,409 |
| Loan and lease loss provision to assets | 0.3521% | 2,443 |
| Net operating income to assets | 1.2062% | 1,507 |
| Return on assets (ROA) | 1.2284% | 1,506 |
| Pretax return on assets | 1.5260% | 1,371 |
| Return on Equity (ROE) | 10.8925% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.8925% | 920 |
| Net charge-offs to loans | 0.0711% | 4,221 |
| Credit loss provision to net charge-offs | 1,002.6316% | 372 |
| Earnings coverage of net charge-offs (x) | 52.6842% | 555 |
| Efficiency ratio | 43.3343% | 7,304 |
| Assets per employee ($millions) | 9.6360% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6780% | 533 |
| Loan loss allowance to noncurrent loans | 218.9012% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 5,211 |
| Noncurrent loans to loans | 1.6802% | 3,962 |
| Net loans and leases to total assets | 46.4447% | 6,245 |
| Net loans and leases to deposits | 62.9816% | 5,387 |
| Net loans and leases to core deposits | 71.3499% | 4,878 |
| Total domestic deposits to total assets | 73.7433% | 6,926 |
| Equity capital to assets | 11.4511% | 2,313 |
| Core capital (leverage) ratio | 11.2292% | 2,013 |
| Tier 1 risk-based capital ratio | 17.8841% | 2,155 |
| Total risk-based capital ratio | 19.1532% | 2,119 |
| Memoranda: | ||
| Average total assets | $432,775,500 | 1,536 |
| Average earning assets | $412,369,500 | 1,482 |
| Average equity | $48,804,000 | 1,367 |
| Average total loans | $213,807,000 | 1,978 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 4,207 |
| Cost of funding earning assets | 1.9256% | 772 |
| Net interest margin | 3.1494% | 6,393 |
| Noninterest income to average assets | 0.1880% | 6,411 |
| Noninterest expense to average assets | 1.4030% | 7,484 |
| Loan and lease loss provision to assets | 0.7390% | 2,222 |
| Net operating income to assets | 0.8836% | 2,454 |
| Return on assets (ROA) | 1.1801% | 1,536 |
| Pretax return on assets | 1.3941% | 1,680 |
| Return on Equity (ROE) | 10.1342% | 1,873 |
| Retained earnings to average equity (ytd only) | 7.9162% | 1,008 |
| Net charge-offs to loans | 0.6377% | 3,106 |
| Credit loss provision to net charge-offs | 225.7664% | 1,313 |
| Earnings coverage of net charge-offs (x) | 5.4511% | 2,619 |
| Efficiency ratio | 44.0180% | 7,421 |
| Assets per employee ($millions) | 10.0449% | 245 |
| Cash dividends to net income (ytd only)* | 21.8870% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3620% | 649 |
| Loan loss allowance to noncurrent loans | 164.9158% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 4,935 |
| Noncurrent loans to loans | 2.0386% | 3,503 |
| Net loans and leases to total assets | 48.8929% | 6,287 |
| Net loans and leases to deposits | 66.9123% | 5,268 |
| Net loans and leases to core deposits | 77.2422% | 4,561 |
| Total domestic deposits to total assets | 73.0701% | 6,992 |
| Equity capital to assets | 11.1022% | 2,595 |
| Core capital (leverage) ratio | 11.2660% | 1,973 |
| Tier 1 risk-based capital ratio | 16.7473% | 2,442 |
| Total risk-based capital ratio | 18.0137% | 2,405 |
| Memoranda: | ||
| Average total assets | $418,535,800 | 1,586 |
| Average earning assets | $398,582,800 | 1,523 |
| Average equity | $48,735,800 | 1,367 |
| Average total loans | $214,831,400 | 2,017 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 4,199 |
| Cost of funding earning assets | 1.9733% | 817 |
| Net interest margin | 3.1515% | 6,484 |
| Noninterest income to average assets | 0.1708% | 6,657 |
| Noninterest expense to average assets | 1.3356% | 7,622 |
| Loan and lease loss provision to assets | 0.6946% | 2,207 |
| Net operating income to assets | 0.9668% | 2,348 |
| Return on assets (ROA) | 1.2466% | 1,556 |
| Pretax return on assets | 1.4717% | 1,683 |
| Return on Equity (ROE) | 10.5778% | 1,915 |
| Retained earnings to average equity (ytd only) | 9.6677% | 877 |
| Net charge-offs to loans | 0.6389% | 2,832 |
| Credit loss provision to net charge-offs | 211.0244% | 1,662 |
| Earnings coverage of net charge-offs (x) | 5.5815% | 2,715 |
| Efficiency ratio | 42.0951% | 7,526 |
| Assets per employee ($millions) | 9.8208% | 272 |
| Cash dividends to net income (ytd only)* | 8.6038% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1552% | 731 |
| Loan loss allowance to noncurrent loans | 107.9502% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.4833% | 4,226 |
| Noncurrent loans to loans | 2.9228% | 2,730 |
| Net loans and leases to total assets | 49.1487% | 6,414 |
| Net loans and leases to deposits | 68.7997% | 5,311 |
| Net loans and leases to core deposits | 86.6179% | 3,570 |
| Total domestic deposits to total assets | 71.4373% | 7,188 |
| Equity capital to assets | 12.4491% | 1,880 |
| Core capital (leverage) ratio | 11.3861% | 2,019 |
| Tier 1 risk-based capital ratio | 17.2106% | 2,273 |
| Total risk-based capital ratio | 18.4756% | 2,229 |
| Memoranda: | ||
| Average total assets | $415,186,750 | 1,621 |
| Average earning assets | $395,479,250 | 1,556 |
| Average equity | $48,931,250 | 1,374 |
| Average total loans | $213,906,500 | 2,060 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2071% | 3,917 |
| Cost of funding earning assets | 2.0178% | 865 |
| Net interest margin | 3.1893% | 6,351 |
| Noninterest income to average assets | 0.1662% | 6,714 |
| Noninterest expense to average assets | 1.3672% | 7,681 |
| Loan and lease loss provision to assets | 0.5693% | 2,500 |
| Net operating income to assets | 0.9871% | 2,248 |
| Return on assets (ROA) | 1.2059% | 1,615 |
| Pretax return on assets | 1.5464% | 1,443 |
| Return on Equity (ROE) | 10.4322% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.0323% | 1,096 |
| Net charge-offs to loans | 0.3480% | 3,609 |
| Credit loss provision to net charge-offs | 315.8602% | 1,156 |
| Earnings coverage of net charge-offs (x) | 10.1828% | 1,926 |
| Efficiency ratio | 42.6929% | 7,563 |
| Assets per employee ($millions) | 9.7060% | 274 |
| Cash dividends to net income (ytd only)* | 13.4190% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0245% | 801 |
| Loan loss allowance to noncurrent loans | 506.8612% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 6,647 |
| Noncurrent loans to loans | 0.5967% | 6,050 |
| Net loans and leases to total assets | 49.3743% | 6,505 |
| Net loans and leases to deposits | 68.2946% | 5,526 |
| Net loans and leases to core deposits | 86.7406% | 3,734 |
| Total domestic deposits to total assets | 72.2960% | 7,160 |
| Equity capital to assets | 11.6530% | 2,319 |
| Core capital (leverage) ratio | 11.1672% | 2,124 |
| Tier 1 risk-based capital ratio | 16.7726% | 2,372 |
| Total risk-based capital ratio | 18.0361% | 2,318 |
| Memoranda: | ||
| Average total assets | $412,817,000 | 1,647 |
| Average earning assets | $393,003,330 | 1,579 |
| Average equity | $47,717,670 | 1,404 |
| Average total loans | $213,770,330 | 2,090 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 3,882 |
| Cost of funding earning assets | 2.0746% | 875 |
| Net interest margin | 3.1539% | 6,439 |
| Noninterest income to average assets | 0.1754% | 6,709 |
| Noninterest expense to average assets | 1.2569% | 7,817 |
| Loan and lease loss provision to assets | 0.2436% | 4,099 |
| Net operating income to assets | 1.2810% | 1,335 |
| Return on assets (ROA) | 1.2705% | 1,432 |
| Pretax return on assets | 1.6563% | 1,147 |
| Return on Equity (ROE) | 11.0371% | 1,782 |
| Retained earnings to average equity (ytd only) | 11.0371% | 918 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6435% | 7,742 |
| Assets per employee ($millions) | 9.7078% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7432% | 1,043 |
| Loan loss allowance to noncurrent loans | 574.1935% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,840 |
| Noncurrent loans to loans | 0.4777% | 6,340 |
| Net loans and leases to total assets | 51.0774% | 6,367 |
| Net loans and leases to deposits | 71.0486% | 5,194 |
| Net loans and leases to core deposits | 88.6143% | 3,549 |
| Total domestic deposits to total assets | 71.8908% | 7,272 |
| Equity capital to assets | 11.7598% | 2,195 |
| Core capital (leverage) ratio | 11.1262% | 2,145 |
| Tier 1 risk-based capital ratio | 16.3162% | 2,519 |
| Total risk-based capital ratio | 17.5771% | 2,477 |
| Memoranda: | ||
| Average total assets | $410,546,000 | 1,701 |
| Average earning assets | $389,861,000 | 1,626 |
| Average equity | $47,259,000 | 1,425 |
| Average total loans | $214,408,000 | 2,137 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 4,826 |
| Cost of funding earning assets | 2.5167% | 994 |
| Net interest margin | 2.8553% | 6,949 |
| Noninterest income to average assets | 0.1826% | 6,783 |
| Noninterest expense to average assets | 1.2742% | 7,888 |
| Loan and lease loss provision to assets | 0.4008% | 4,408 |
| Net operating income to assets | 0.9429% | 2,032 |
| Return on assets (ROA) | 1.1407% | 1,437 |
| Pretax return on assets | 1.4785% | 1,237 |
| Return on Equity (ROE) | 10.3392% | 1,597 |
| Retained earnings to average equity (ytd only) | 7.9639% | 711 |
| Net charge-offs to loans | 0.0517% | 6,580 |
| Credit loss provision to net charge-offs | 1,489.8148% | 208 |
| Earnings coverage of net charge-offs (x) | 60.3056% | 448 |
| Efficiency ratio | 43.9886% | 7,777 |
| Assets per employee ($millions) | 9.8420% | 270 |
| Cash dividends to net income (ytd only)* | 22.9744% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6197% | 1,106 |
| Loan loss allowance to noncurrent loans | 1,055.1595% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 7,157 |
| Noncurrent loans to loans | 0.2483% | 6,804 |
| Net loans and leases to total assets | 50.5755% | 6,568 |
| Net loans and leases to deposits | 70.4208% | 5,552 |
| Net loans and leases to core deposits | 102.3154% | 3,769 |
| Total domestic deposits to total assets | 71.8190% | 7,262 |
| Equity capital to assets | 11.2661% | 2,488 |
| Core capital (leverage) ratio | 10.7471% | 2,389 |
| Tier 1 risk-based capital ratio | 15.8942% | 2,568 |
| Total risk-based capital ratio | 17.1539% | 2,495 |
| Memoranda: | ||
| Average total assets | $401,425,800 | 1,713 |
| Average earning assets | $381,567,400 | 1,646 |
| Average equity | $44,287,600 | 1,509 |
| Average total loans | $208,736,800 | 2,215 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4013% | 4,943 |
| Cost of funding earning assets | 2.5938% | 1,049 |
| Net interest margin | 2.8074% | 7,048 |
| Noninterest income to average assets | 0.1864% | 6,882 |
| Noninterest expense to average assets | 1.2866% | 7,968 |
| Loan and lease loss provision to assets | 0.3346% | 4,333 |
| Net operating income to assets | 0.9435% | 2,255 |
| Return on assets (ROA) | 1.2957% | 1,306 |
| Pretax return on assets | 1.6922% | 985 |
| Return on Equity (ROE) | 11.8090% | 1,413 |
| Retained earnings to average equity (ytd only) | 10.8117% | 495 |
| Net charge-offs to loans | 0.0663% | 6,031 |
| Credit loss provision to net charge-offs | 970.8738% | 385 |
| Earnings coverage of net charge-offs (x) | 45.5340% | 686 |
| Efficiency ratio | 45.0498% | 7,801 |
| Assets per employee ($millions) | 9.7519% | 287 |
| Cash dividends to net income (ytd only)* | 8.4453% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4140% | 1,156 |
| Loan loss allowance to noncurrent loans | 453.8879% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 6,826 |
| Noncurrent loans to loans | 0.5319% | 6,244 |
| Net loans and leases to total assets | 49.5458% | 6,817 |
| Net loans and leases to deposits | 69.9981% | 5,918 |
| Net loans and leases to core deposits | 105.8156% | 3,718 |
| Total domestic deposits to total assets | 70.7816% | 7,351 |
| Equity capital to assets | 11.4725% | 2,614 |
| Core capital (leverage) ratio | 10.7522% | 2,603 |
| Tier 1 risk-based capital ratio | 16.2136% | 2,553 |
| Total risk-based capital ratio | 17.4712% | 2,487 |
| Memoranda: | ||
| Average total assets | $398,441,250 | 1,742 |
| Average earning assets | $378,889,500 | 1,676 |
| Average equity | $43,717,000 | 1,550 |
| Average total loans | $207,249,750 | 2,248 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4527% | 4,880 |
| Cost of funding earning assets | 2.6459% | 1,168 |
| Net interest margin | 2.8068% | 7,002 |
| Noninterest income to average assets | 0.2062% | 6,815 |
| Noninterest expense to average assets | 1.3067% | 8,056 |
| Loan and lease loss provision to assets | 0.2939% | 4,214 |
| Net operating income to assets | 0.9623% | 2,235 |
| Return on assets (ROA) | 1.4172% | 1,057 |
| Pretax return on assets | 1.8808% | 723 |
| Return on Equity (ROE) | 13.1233% | 1,156 |
| Retained earnings to average equity (ytd only) | 11.5891% | 491 |
| Net charge-offs to loans | 0.0879% | 5,317 |
| Credit loss provision to net charge-offs | 637.3626% | 731 |
| Earnings coverage of net charge-offs (x) | 34.0110% | 915 |
| Efficiency ratio | 45.4529% | 7,869 |
| Assets per employee ($millions) | 10.1578% | 251 |
| Cash dividends to net income (ytd only)* | 11.6911% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2365% | 1,180 |
| Loan loss allowance to noncurrent loans | 455.2813% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 6,857 |
| Noncurrent loans to loans | 0.4912% | 6,296 |
| Net loans and leases to total assets | 49.6179% | 6,910 |
| Net loans and leases to deposits | 68.9862% | 6,094 |
| Net loans and leases to core deposits | 104.4202% | 4,019 |
| Total domestic deposits to total assets | 71.9244% | 7,250 |
| Equity capital to assets | 10.7474% | 3,162 |
| Core capital (leverage) ratio | 10.6863% | 2,677 |
| Tier 1 risk-based capital ratio | 15.8824% | 2,668 |
| Total risk-based capital ratio | 17.1381% | 2,608 |
| Memoranda: | ||
| Average total assets | $394,728,000 | 1,784 |
| Average earning assets | $375,302,000 | 1,720 |
| Average equity | $42,626,330 | 1,601 |
| Average total loans | $207,016,330 | 2,271 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5286% | 4,761 |
| Cost of funding earning assets | 2.7026% | 1,266 |
| Net interest margin | 2.8260% | 6,939 |
| Noninterest income to average assets | 0.2263% | 6,654 |
| Noninterest expense to average assets | 1.2259% | 8,107 |
| Loan and lease loss provision to assets | 0.0617% | 6,184 |
| Net operating income to assets | 1.2027% | 1,647 |
| Return on assets (ROA) | 1.5437% | 939 |
| Pretax return on assets | 2.0836% | 557 |
| Return on Equity (ROE) | 14.2594% | 1,113 |
| Retained earnings to average equity (ytd only) | 14.2594% | 492 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1201% | 7,996 |
| Assets per employee ($millions) | 10.1316% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 1,395 |
| Loan loss allowance to noncurrent loans | 613.3431% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 7,029 |
| Noncurrent loans to loans | 0.3276% | 6,614 |
| Net loans and leases to total assets | 51.6316% | 6,719 |
| Net loans and leases to deposits | 72.3191% | 5,708 |
| Net loans and leases to core deposits | 110.0815% | 3,427 |
| Total domestic deposits to total assets | 71.3941% | 7,289 |
| Equity capital to assets | 10.9923% | 2,967 |
| Core capital (leverage) ratio | 10.8206% | 2,641 |
| Tier 1 risk-based capital ratio | 15.5952% | 2,817 |
| Total risk-based capital ratio | 16.8489% | 2,753 |
| Memoranda: | ||
| Average total assets | $388,935,500 | 1,810 |
| Average earning assets | $369,424,000 | 1,751 |
| Average equity | $42,105,500 | 1,613 |
| Average total loans | $207,416,500 | 2,295 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8974% | 6,049 |
| Cost of funding earning assets | 3.2883% | 955 |
| Net interest margin | 2.6091% | 7,633 |
| Noninterest income to average assets | 0.1312% | 7,454 |
| Noninterest expense to average assets | 1.1496% | 8,176 |
| Loan and lease loss provision to assets | 0.2363% | 4,536 |
| Net operating income to assets | 0.9190% | 2,923 |
| Return on assets (ROA) | 1.0980% | 2,072 |
| Pretax return on assets | 1.4278% | 1,876 |
| Return on Equity (ROE) | 9.8695% | 2,308 |
| Retained earnings to average equity (ytd only) | 7.5208% | 981 |
| Net charge-offs to loans | -0.0005% | 7,714 |
| Credit loss provision to net charge-offs | -84,100.0000% | 7,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5364% | 7,990 |
| Assets per employee ($millions) | 9.5685% | 294 |
| Cash dividends to net income (ytd only)* | 23.7973% | 4,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 1,234 |
| Loan loss allowance to noncurrent loans | 639.2248% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 6,893 |
| Noncurrent loans to loans | 0.3121% | 6,440 |
| Net loans and leases to total assets | 52.9118% | 6,758 |
| Net loans and leases to deposits | 74.3878% | 5,797 |
| Net loans and leases to core deposits | 110.1955% | 3,761 |
| Total domestic deposits to total assets | 71.1297% | 7,142 |
| Equity capital to assets | 10.6540% | 3,337 |
| Core capital (leverage) ratio | 10.8905% | 2,676 |
| Tier 1 risk-based capital ratio | 15.3170% | 2,913 |
| Total risk-based capital ratio | 16.5711% | 2,846 |
| Memoranda: | ||
| Average total assets | $355,935,200 | 1,881 |
| Average earning assets | $334,247,000 | 1,836 |
| Average equity | $39,596,600 | 1,705 |
| Average total loans | $193,382,800 | 2,363 |