Home > The Farmers Bank > Performance and Condition Ratios
The Farmers 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 | 5.6746% | 958 |
| Cost of funding earning assets | 1.0783% | 3,120 |
| Net interest margin | 4.5963% | 531 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.7910% | 1,526 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7074% | 727 |
| Return on assets (ROA) | 1.7074% | 692 |
| Pretax return on assets | 2.2235% | 480 |
| Return on Equity (ROE) | 16.1500% | 1,072 |
| Retained earnings to average equity (ytd only) | 12.1992% | 617 |
| Net charge-offs to loans | 0.1499% | 687 |
| Credit loss provision to net charge-offs | 42.9594% | 2,224 |
| Earnings coverage of net charge-offs (x) | 22.9797% | 1,800 |
| Efficiency ratio | 55.1923% | 3,584 |
| Assets per employee ($millions) | 5.5308% | 3,222 |
| Cash dividends to net income (ytd only)* | 24.4780% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,212 |
| Loan loss allowance to noncurrent loans | 172.6017% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 1,219 |
| Noncurrent loans to loans | 0.7036% | 1,107 |
| Net loans and leases to total assets | 64.0700% | 2,453 |
| Net loans and leases to deposits | 73.7126% | 2,638 |
| Net loans and leases to core deposits | 83.6770% | 2,482 |
| Total domestic deposits to total assets | 86.9100% | 1,709 |
| Equity capital to assets | 11.7960% | 1,202 |
| Core capital (leverage) ratio | 13.9475% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0110% | 689 |
| Memoranda: | ||
| Average total assets | $849,880,000 | 1,132 |
| Average earning assets | $789,485,000 | 1,117 |
| Average equity | $89,833,400 | 1,034 |
| Average total loans | $559,206,200 | 1,137 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 910 |
| Cost of funding earning assets | 1.0026% | 3,033 |
| Net interest margin | 4.5979% | 531 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.8075% | 1,422 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.7467% | 733 |
| Return on assets (ROA) | 1.7467% | 718 |
| Pretax return on assets | 2.2793% | 498 |
| Return on Equity (ROE) | 17.0100% | 1,072 |
| Retained earnings to average equity (ytd only) | 12.9521% | 822 |
| Net charge-offs to loans | 0.1545% | 547 |
| Credit loss provision to net charge-offs | 6.9018% | 2,040 |
| Earnings coverage of net charge-offs (x) | 22.4126% | 1,760 |
| Efficiency ratio | 55.1156% | 3,478 |
| Assets per employee ($millions) | 5.5385% | 3,150 |
| Cash dividends to net income (ytd only)* | 23.8624% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,599 |
| Loan loss allowance to noncurrent loans | 131.5502% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 997 |
| Noncurrent loans to loans | 0.8771% | 943 |
| Net loans and leases to total assets | 66.5000% | 2,200 |
| Net loans and leases to deposits | 76.5529% | 2,371 |
| Net loans and leases to core deposits | 86.1532% | 2,181 |
| Total domestic deposits to total assets | 86.8700% | 1,929 |
| Equity capital to assets | 10.2899% | 1,651 |
| Core capital (leverage) ratio | 13.5064% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7573% | 851 |
| Memoranda: | ||
| Average total assets | $852,180,000 | 1,132 |
| Average earning assets | $791,915,250 | 1,115 |
| Average equity | $87,500,000 | 1,051 |
| Average total loans | $562,703,000 | 1,129 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4827% | 852 |
| Cost of funding earning assets | 0.9044% | 2,914 |
| Net interest margin | 4.5783% | 551 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.7343% | 1,565 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.6994% | 780 |
| Return on assets (ROA) | 1.6994% | 783 |
| Pretax return on assets | 2.2147% | 522 |
| Return on Equity (ROE) | 16.5600% | 1,171 |
| Retained earnings to average equity (ytd only) | 12.5254% | 881 |
| Net charge-offs to loans | 0.2396% | 344 |
| Credit loss provision to net charge-offs | 4.7478% | 1,811 |
| Earnings coverage of net charge-offs (x) | 14.1350% | 1,881 |
| Efficiency ratio | 55.1671% | 3,517 |
| Assets per employee ($millions) | 5.6114% | 3,053 |
| Cash dividends to net income (ytd only)* | 24.3755% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 2,709 |
| Loan loss allowance to noncurrent loans | 124.2209% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 883 |
| Noncurrent loans to loans | 0.9257% | 830 |
| Net loans and leases to total assets | 65.0800% | 2,270 |
| Net loans and leases to deposits | 73.5463% | 2,537 |
| Net loans and leases to core deposits | 82.1870% | 2,321 |
| Total domestic deposits to total assets | 88.4900% | 1,431 |
| Equity capital to assets | 10.4659% | 1,615 |
| Core capital (leverage) ratio | 12.9206% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3459% | 907 |
| Memoranda: | ||
| Average total assets | $857,467,333 | 1,118 |
| Average earning assets | $798,330,000 | 1,102 |
| Average equity | $87,981,333 | 1,042 |
| Average total loans | $562,716,000 | 1,121 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3583% | 774 |
| Cost of funding earning assets | 0.6995% | 3,055 |
| Net interest margin | 4.6588% | 473 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.6994% | 1,675 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.7568% | 738 |
| Return on assets (ROA) | 1.7568% | 730 |
| Pretax return on assets | 2.2895% | 494 |
| Return on Equity (ROE) | 17.2900% | 1,130 |
| Retained earnings to average equity (ytd only) | 13.2267% | 1,053 |
| Net charge-offs to loans | 0.3423% | 233 |
| Credit loss provision to net charge-offs | 3.7344% | 1,417 |
| Earnings coverage of net charge-offs (x) | 10.2469% | 1,665 |
| Efficiency ratio | 54.0173% | 3,601 |
| Assets per employee ($millions) | 5.8084% | 2,928 |
| Cash dividends to net income (ytd only)* | 23.5169% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,767 |
| Loan loss allowance to noncurrent loans | 118.9281% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 789 |
| Noncurrent loans to loans | 0.9759% | 759 |
| Net loans and leases to total assets | 64.4300% | 2,211 |
| Net loans and leases to deposits | 72.5909% | 2,416 |
| Net loans and leases to core deposits | 79.9927% | 2,253 |
| Total domestic deposits to total assets | 88.7500% | 1,638 |
| Equity capital to assets | 10.2243% | 1,710 |
| Core capital (leverage) ratio | 12.7331% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7849% | 1,028 |
| Memoranda: | ||
| Average total assets | $859,735,500 | 1,131 |
| Average earning assets | $801,673,000 | 1,112 |
| Average equity | $87,338,500 | 1,057 |
| Average total loans | $563,308,500 | 1,135 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 514 |
| Cost of funding earning assets | 0.2581% | 3,259 |
| Net interest margin | 4.4445% | 328 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.6474% | 1,686 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6795% | 557 |
| Return on assets (ROA) | 1.6803% | 534 |
| Pretax return on assets | 2.1885% | 327 |
| Return on Equity (ROE) | 16.7600% | 902 |
| Retained earnings to average equity (ytd only) | 13.1001% | 496 |
| Net charge-offs to loans | 0.0196% | 1,703 |
| Credit loss provision to net charge-offs | 574.2574% | 626 |
| Earnings coverage of net charge-offs (x) | 189.9010% | 672 |
| Efficiency ratio | 53.9949% | 3,798 |
| Assets per employee ($millions) | 5.6920% | 3,038 |
| Cash dividends to net income (ytd only)* | 21.8365% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 2,729 |
| Loan loss allowance to noncurrent loans | 1,075.3425% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,100 |
| Noncurrent loans to loans | 0.1052% | 3,017 |
| Net loans and leases to total assets | 65.1300% | 2,126 |
| Net loans and leases to deposits | 73.1442% | 2,319 |
| Net loans and leases to core deposits | 78.8132% | 2,214 |
| Total domestic deposits to total assets | 89.0400% | 1,705 |
| Equity capital to assets | 10.0906% | 1,668 |
| Core capital (leverage) ratio | 12.8549% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8872% | 995 |
| Memoranda: | ||
| Average total assets | $850,306,000 | 1,133 |
| Average earning assets | $794,621,600 | 1,119 |
| Average equity | $85,251,400 | 1,077 |
| Average total loans | $515,886,000 | 1,151 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 451 |
| Cost of funding earning assets | 0.2386% | 2,835 |
| Net interest margin | 4.3280% | 323 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.6817% | 1,513 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.6143% | 637 |
| Return on assets (ROA) | 1.6154% | 615 |
| Pretax return on assets | 2.1063% | 375 |
| Return on Equity (ROE) | 16.1400% | 951 |
| Retained earnings to average equity (ytd only) | 12.4808% | 696 |
| Net charge-offs to loans | 0.0155% | 1,552 |
| Credit loss provision to net charge-offs | 101.6949% | 1,309 |
| Earnings coverage of net charge-offs (x) | 229.0678% | 575 |
| Efficiency ratio | 55.9155% | 3,629 |
| Assets per employee ($millions) | 5.5974% | 3,128 |
| Cash dividends to net income (ytd only)* | 22.6612% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,027 |
| Loan loss allowance to noncurrent loans | 2,057.4468% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,569 |
| Noncurrent loans to loans | 0.0533% | 3,496 |
| Net loans and leases to total assets | 63.5900% | 2,128 |
| Net loans and leases to deposits | 70.9179% | 2,296 |
| Net loans and leases to core deposits | 75.1754% | 2,262 |
| Total domestic deposits to total assets | 89.6600% | 1,808 |
| Equity capital to assets | 9.0559% | 2,174 |
| Core capital (leverage) ratio | 12.4123% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6945% | 1,047 |
| Memoranda: | ||
| Average total assets | $852,280,000 | 1,140 |
| Average earning assets | $796,805,250 | 1,122 |
| Average equity | $85,313,250 | 1,089 |
| Average total loans | $506,127,750 | 1,167 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 479 |
| Cost of funding earning assets | 0.2432% | 2,354 |
| Net interest margin | 4.1077% | 388 |
| Noninterest income to average assets | 0.7570% | 1,156 |
| Noninterest expense to average assets | 2.6064% | 1,623 |
| Loan and lease loss provision to assets | 0.0081% | 2,447 |
| Net operating income to assets | 1.5290% | 656 |
| Return on assets (ROA) | 1.5307% | 634 |
| Pretax return on assets | 1.9926% | 384 |
| Return on Equity (ROE) | 14.8415% | 927 |
| Retained earnings to average equity (ytd only) | 11.3324% | 733 |
| Net charge-offs to loans | -0.0064% | 3,426 |
| Credit loss provision to net charge-offs | -218.7500% | 3,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5995% | 3,713 |
| Assets per employee ($millions) | 5.7824% | 2,943 |
| Cash dividends to net income (ytd only)* | 23.6435% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,971 |
| Loan loss allowance to noncurrent loans | 1,253.1049% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,429 |
| Noncurrent loans to loans | 0.0911% | 3,313 |
| Net loans and leases to total assets | 60.0108% | 2,326 |
| Net loans and leases to deposits | 67.1326% | 2,459 |
| Net loans and leases to core deposits | 71.5661% | 2,372 |
| Total domestic deposits to total assets | 89.3914% | 2,002 |
| Equity capital to assets | 9.4343% | 2,072 |
| Core capital (leverage) ratio | 12.0145% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5446% | 1,063 |
| Memoranda: | ||
| Average total assets | $862,098,333 | 1,127 |
| Average earning assets | $807,613,667 | 1,114 |
| Average equity | $88,913,000 | 1,062 |
| Average total loans | $498,505,000 | 1,172 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 572 |
| Cost of funding earning assets | 0.2466% | 2,194 |
| Net interest margin | 3.9073% | 494 |
| Noninterest income to average assets | 0.6861% | 1,363 |
| Noninterest expense to average assets | 2.5446% | 1,773 |
| Loan and lease loss provision to assets | 0.0092% | 2,156 |
| Net operating income to assets | 1.3977% | 805 |
| Return on assets (ROA) | 1.4006% | 791 |
| Pretax return on assets | 1.8172% | 530 |
| Return on Equity (ROE) | 13.0417% | 1,022 |
| Retained earnings to average equity (ytd only) | 9.7065% | 1,092 |
| Net charge-offs to loans | 0.0155% | 1,230 |
| Credit loss provision to net charge-offs | 105.2632% | 982 |
| Earnings coverage of net charge-offs (x) | 208.8947% | 419 |
| Efficiency ratio | 58.2650% | 3,652 |
| Assets per employee ($millions) | 6.0018% | 2,811 |
| Cash dividends to net income (ytd only)* | 25.5738% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 2,987 |
| Loan loss allowance to noncurrent loans | 891.2442% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,328 |
| Noncurrent loans to loans | 0.1318% | 3,147 |
| Net loans and leases to total assets | 55.6994% | 2,557 |
| Net loans and leases to deposits | 62.6722% | 2,658 |
| Net loans and leases to core deposits | 68.2899% | 2,430 |
| Total domestic deposits to total assets | 88.8741% | 2,131 |
| Equity capital to assets | 9.9673% | 1,914 |
| Core capital (leverage) ratio | 11.6055% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3175% | 1,185 |
| Memoranda: | ||
| Average total assets | $871,031,500 | 1,113 |
| Average earning assets | $820,619,000 | 1,095 |
| Average equity | $93,546,000 | 1,045 |
| Average total loans | $491,516,500 | 1,174 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 798 |
| Cost of funding earning assets | 0.3197% | 2,199 |
| Net interest margin | 4.0186% | 683 |
| Noninterest income to average assets | 0.8668% | 1,290 |
| Noninterest expense to average assets | 2.8107% | 1,336 |
| Loan and lease loss provision to assets | 0.0037% | 3,004 |
| Net operating income to assets | 1.4161% | 1,228 |
| Return on assets (ROA) | 1.4254% | 1,262 |
| Pretax return on assets | 1.8450% | 826 |
| Return on Equity (ROE) | 12.1385% | 1,762 |
| Retained earnings to average equity (ytd only) | 9.1212% | 1,165 |
| Net charge-offs to loans | -0.0091% | 3,704 |
| Credit loss provision to net charge-offs | -69.7674% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4119% | 3,096 |
| Assets per employee ($millions) | 5.7720% | 2,988 |
| Cash dividends to net income (ytd only)* | 24.8576% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,948 |
| Loan loss allowance to noncurrent loans | 448.6466% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,900 |
| Noncurrent loans to loans | 0.2643% | 2,660 |
| Net loans and leases to total assets | 55.8278% | 2,643 |
| Net loans and leases to deposits | 63.9488% | 2,693 |
| Net loans and leases to core deposits | 69.8971% | 2,454 |
| Total domestic deposits to total assets | 87.3008% | 2,389 |
| Equity capital to assets | 11.5213% | 1,502 |
| Core capital (leverage) ratio | 11.6905% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5482% | 1,154 |
| Memoranda: | ||
| Average total assets | $812,852,600 | 1,146 |
| Average earning assets | $764,759,400 | 1,137 |
| Average equity | $95,448,400 | 1,044 |
| Average total loans | $473,414,600 | 1,210 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3738% | 850 |
| Cost of funding earning assets | 0.3361% | 2,239 |
| Net interest margin | 4.0377% | 736 |
| Noninterest income to average assets | 0.8801% | 1,292 |
| Noninterest expense to average assets | 2.8238% | 1,286 |
| Loan and lease loss provision to assets | 0.0009% | 2,949 |
| Net operating income to assets | 1.4278% | 1,451 |
| Return on assets (ROA) | 1.4385% | 1,485 |
| Pretax return on assets | 1.8630% | 1,014 |
| Return on Equity (ROE) | 12.1883% | 1,986 |
| Retained earnings to average equity (ytd only) | 9.1366% | 1,643 |
| Net charge-offs to loans | -0.0105% | 3,691 |
| Credit loss provision to net charge-offs | -13.5135% | 3,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3489% | 2,937 |
| Assets per employee ($millions) | 5.5243% | 3,172 |
| Cash dividends to net income (ytd only)* | 25.0377% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,037 |
| Loan loss allowance to noncurrent loans | 418.1159% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 3,030 |
| Noncurrent loans to loans | 0.2847% | 2,775 |
| Net loans and leases to total assets | 56.6732% | 2,652 |
| Net loans and leases to deposits | 65.0200% | 2,732 |
| Net loans and leases to core deposits | 71.2261% | 2,495 |
| Total domestic deposits to total assets | 87.1627% | 2,283 |
| Equity capital to assets | 11.4928% | 1,687 |
| Core capital (leverage) ratio | 11.9091% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5681% | 1,230 |
| Memoranda: | ||
| Average total assets | $799,615,250 | 1,171 |
| Average earning assets | $751,368,500 | 1,159 |
| Average equity | $94,372,500 | 1,072 |
| Average total loans | $469,478,500 | 1,243 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 828 |
| Cost of funding earning assets | 0.3587% | 2,243 |
| Net interest margin | 4.0655% | 737 |
| Noninterest income to average assets | 0.8896% | 1,299 |
| Noninterest expense to average assets | 2.8681% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4222% | 1,513 |
| Return on assets (ROA) | 1.4385% | 1,521 |
| Pretax return on assets | 1.8569% | 1,105 |
| Return on Equity (ROE) | 12.0749% | 2,026 |
| Retained earnings to average equity (ytd only) | 8.9930% | 1,712 |
| Net charge-offs to loans | -0.0736% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9018% | 2,889 |
| Assets per employee ($millions) | 5.4294% | 3,210 |
| Cash dividends to net income (ytd only)* | 25.5229% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,717 |
| Loan loss allowance to noncurrent loans | 584.0594% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 3,407 |
| Noncurrent loans to loans | 0.2127% | 3,197 |
| Net loans and leases to total assets | 57.5690% | 2,721 |
| Net loans and leases to deposits | 66.2078% | 2,806 |
| Net loans and leases to core deposits | 72.6414% | 2,552 |
| Total domestic deposits to total assets | 86.9520% | 2,347 |
| Equity capital to assets | 11.6955% | 1,523 |
| Core capital (leverage) ratio | 11.9315% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7351% | 1,180 |
| Memoranda: | ||
| Average total assets | $784,415,000 | 1,180 |
| Average earning assets | $736,051,333 | 1,169 |
| Average equity | $93,450,333 | 1,075 |
| Average total loans | $464,377,667 | 1,259 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 797 |
| Cost of funding earning assets | 0.3930% | 2,151 |
| Net interest margin | 4.0898% | 730 |
| Noninterest income to average assets | 0.9015% | 1,325 |
| Noninterest expense to average assets | 2.8780% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4423% | 1,460 |
| Return on assets (ROA) | 1.4744% | 1,450 |
| Pretax return on assets | 1.9001% | 1,118 |
| Return on Equity (ROE) | 12.2570% | 1,921 |
| Retained earnings to average equity (ytd only) | 9.1452% | 1,902 |
| Net charge-offs to loans | -0.1498% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6825% | 2,954 |
| Assets per employee ($millions) | 5.1569% | 3,477 |
| Cash dividends to net income (ytd only)* | 25.3879% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,448 |
| Loan loss allowance to noncurrent loans | 546.8026% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 3,481 |
| Noncurrent loans to loans | 0.2373% | 3,254 |
| Net loans and leases to total assets | 57.6424% | 2,839 |
| Net loans and leases to deposits | 66.4733% | 2,868 |
| Net loans and leases to core deposits | 73.5810% | 2,551 |
| Total domestic deposits to total assets | 86.7151% | 2,435 |
| Equity capital to assets | 11.8951% | 1,340 |
| Core capital (leverage) ratio | 12.3735% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8988% | 1,089 |
| Memoranda: | ||
| Average total assets | $769,417,500 | 1,186 |
| Average earning assets | $721,689,500 | 1,180 |
| Average equity | $92,551,000 | 1,076 |
| Average total loans | $459,193,000 | 1,267 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9710% | 518 |
| Cost of funding earning assets | 0.7193% | 1,622 |
| Net interest margin | 4.2517% | 563 |
| Noninterest income to average assets | 0.9227% | 1,211 |
| Noninterest expense to average assets | 2.9972% | 1,448 |
| Loan and lease loss provision to assets | 0.0666% | 3,544 |
| Net operating income to assets | 1.4324% | 946 |
| Return on assets (ROA) | 1.4354% | 1,028 |
| Pretax return on assets | 1.8296% | 641 |
| Return on Equity (ROE) | 11.7290% | 1,398 |
| Retained earnings to average equity (ytd only) | 8.8894% | 798 |
| Net charge-offs to loans | 0.0224% | 2,601 |
| Credit loss provision to net charge-offs | 466.0194% | 1,310 |
| Earnings coverage of net charge-offs (x) | 132.4951% | 640 |
| Efficiency ratio | 61.2575% | 3,268 |
| Assets per employee ($millions) | 5.1361% | 3,248 |
| Cash dividends to net income (ytd only)* | 24.2102% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,769 |
| Loan loss allowance to noncurrent loans | 493.3678% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 3,515 |
| Noncurrent loans to loans | 0.2504% | 3,298 |
| Net loans and leases to total assets | 60.2388% | 2,832 |
| Net loans and leases to deposits | 69.7560% | 2,904 |
| Net loans and leases to core deposits | 77.3659% | 2,610 |
| Total domestic deposits to total assets | 86.3565% | 2,204 |
| Equity capital to assets | 12.1656% | 1,494 |
| Core capital (leverage) ratio | 12.5165% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8902% | 1,075 |
| Memoranda: | ||
| Average total assets | $721,139,400 | 1,148 |
| Average earning assets | $672,842,200 | 1,145 |
| Average equity | $88,251,000 | 1,076 |
| Average total loans | $458,943,200 | 1,206 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 521 |
| Cost of funding earning assets | 0.7930% | 1,534 |
| Net interest margin | 4.2850% | 607 |
| Noninterest income to average assets | 0.9176% | 1,180 |
| Noninterest expense to average assets | 3.0349% | 1,363 |
| Loan and lease loss provision to assets | 0.0900% | 3,187 |
| Net operating income to assets | 1.3875% | 1,132 |
| Return on assets (ROA) | 1.3897% | 1,222 |
| Pretax return on assets | 1.7876% | 800 |
| Return on Equity (ROE) | 11.3383% | 1,576 |
| Retained earnings to average equity (ytd only) | 8.4651% | 1,148 |
| Net charge-offs to loans | 0.0149% | 2,588 |
| Credit loss provision to net charge-offs | 941.1765% | 866 |
| Earnings coverage of net charge-offs (x) | 196.1373% | 500 |
| Efficiency ratio | 61.7728% | 3,110 |
| Assets per employee ($millions) | 5.0672% | 3,157 |
| Cash dividends to net income (ytd only)* | 25.3405% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,390 |
| Loan loss allowance to noncurrent loans | 335.8512% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 3,279 |
| Noncurrent loans to loans | 0.3725% | 2,948 |
| Net loans and leases to total assets | 61.6699% | 3,049 |
| Net loans and leases to deposits | 71.4065% | 3,187 |
| Net loans and leases to core deposits | 80.2700% | 2,822 |
| Total domestic deposits to total assets | 86.3646% | 1,910 |
| Equity capital to assets | 12.3508% | 1,488 |
| Core capital (leverage) ratio | 12.2336% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1748% | 1,215 |
| Memoranda: | ||
| Average total assets | $711,390,250 | 1,147 |
| Average earning assets | $662,762,000 | 1,143 |
| Average equity | $87,195,000 | 1,076 |
| Average total loans | $457,772,750 | 1,206 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 551 |
| Cost of funding earning assets | 0.8764% | 1,476 |
| Net interest margin | 4.3389% | 693 |
| Noninterest income to average assets | 0.8565% | 1,269 |
| Noninterest expense to average assets | 3.0819% | 1,397 |
| Loan and lease loss provision to assets | 0.0798% | 3,297 |
| Net operating income to assets | 1.3482% | 1,226 |
| Return on assets (ROA) | 1.3512% | 1,312 |
| Pretax return on assets | 1.7330% | 926 |
| Return on Equity (ROE) | 11.0533% | 1,613 |
| Retained earnings to average equity (ytd only) | 8.1326% | 1,262 |
| Net charge-offs to loans | 0.0070% | 2,709 |
| Credit loss provision to net charge-offs | 1,750.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 396.8125% | 257 |
| Efficiency ratio | 62.9712% | 2,960 |
| Assets per employee ($millions) | 4.9533% | 3,228 |
| Cash dividends to net income (ytd only)* | 26.4235% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,322 |
| Loan loss allowance to noncurrent loans | 322.8867% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,367 |
| Noncurrent loans to loans | 0.3829% | 3,039 |
| Net loans and leases to total assets | 61.6039% | 3,162 |
| Net loans and leases to deposits | 71.2427% | 3,328 |
| Net loans and leases to core deposits | 80.7080% | 2,897 |
| Total domestic deposits to total assets | 86.4706% | 1,814 |
| Equity capital to assets | 12.2780% | 1,494 |
| Core capital (leverage) ratio | 12.3728% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8819% | 1,274 |
| Memoranda: | ||
| Average total assets | $701,915,000 | 1,138 |
| Average earning assets | $652,658,667 | 1,136 |
| Average equity | $85,802,333 | 1,080 |
| Average total loans | $456,355,667 | 1,200 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3457% | 501 |
| Cost of funding earning assets | 0.9917% | 1,455 |
| Net interest margin | 4.3540% | 690 |
| Noninterest income to average assets | 0.9013% | 1,062 |
| Noninterest expense to average assets | 3.1010% | 1,633 |
| Loan and lease loss provision to assets | 0.1005% | 2,427 |
| Net operating income to assets | 1.3616% | 1,078 |
| Return on assets (ROA) | 1.3676% | 1,140 |
| Pretax return on assets | 1.7485% | 773 |
| Return on Equity (ROE) | 11.2139% | 1,349 |
| Retained earnings to average equity (ytd only) | 8.2330% | 1,164 |
| Net charge-offs to loans | 0.0280% | 1,816 |
| Credit loss provision to net charge-offs | 540.6250% | 842 |
| Earnings coverage of net charge-offs (x) | 99.0938% | 583 |
| Efficiency ratio | 62.6953% | 3,413 |
| Assets per employee ($millions) | 4.5952% | 3,134 |
| Cash dividends to net income (ytd only)* | 26.5817% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,717 |
| Loan loss allowance to noncurrent loans | 294.7933% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 3,359 |
| Noncurrent loans to loans | 0.4041% | 3,042 |
| Net loans and leases to total assets | 66.9820% | 2,703 |
| Net loans and leases to deposits | 78.9409% | 2,782 |
| Net loans and leases to core deposits | 89.3874% | 2,403 |
| Total domestic deposits to total assets | 84.8507% | 2,464 |
| Equity capital to assets | 12.3304% | 1,843 |
| Core capital (leverage) ratio | 12.4991% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2400% | 1,543 |
| Memoranda: | ||
| Average total assets | $688,802,500 | 1,130 |
| Average earning assets | $639,314,500 | 1,129 |
| Average equity | $84,003,000 | 1,099 |
| Average total loans | $457,444,500 | 1,168 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2763% | 858 |
| Cost of funding earning assets | 1.1650% | 1,108 |
| Net interest margin | 4.1113% | 1,510 |
| Noninterest income to average assets | 0.9507% | 1,071 |
| Noninterest expense to average assets | 2.9699% | 2,096 |
| Loan and lease loss provision to assets | 0.0307% | 3,398 |
| Net operating income to assets | 1.3845% | 1,395 |
| Return on assets (ROA) | 1.3897% | 1,449 |
| Pretax return on assets | 1.7826% | 982 |
| Return on Equity (ROE) | 11.7713% | 1,593 |
| Retained earnings to average equity (ytd only) | 8.7953% | 765 |
| Net charge-offs to loans | 0.0166% | 3,125 |
| Credit loss provision to net charge-offs | 280.0000% | 1,002 |
| Earnings coverage of net charge-offs (x) | 164.5600% | 459 |
| Efficiency ratio | 62.1441% | 3,352 |
| Assets per employee ($millions) | 4.7129% | 2,934 |
| Cash dividends to net income (ytd only)* | 25.2818% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,554 |
| Loan loss allowance to noncurrent loans | 299.4404% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,409 |
| Noncurrent loans to loans | 0.3937% | 3,025 |
| Net loans and leases to total assets | 64.3009% | 3,158 |
| Net loans and leases to deposits | 75.5854% | 3,219 |
| Net loans and leases to core deposits | 85.4744% | 2,827 |
| Total domestic deposits to total assets | 85.0705% | 2,464 |
| Equity capital to assets | 12.0640% | 2,099 |
| Core capital (leverage) ratio | 12.3048% | 1,590 |
| Tier 1 risk-based capital ratio | 15.3798% | 2,625 |
| Total risk-based capital ratio | 16.3596% | 2,664 |
| Memoranda: | ||
| Average total assets | $683,098,400 | 1,095 |
| Average earning assets | $635,688,200 | 1,087 |
| Average equity | $80,645,400 | 1,086 |
| Average total loans | $452,502,800 | 1,152 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2696% | 919 |
| Cost of funding earning assets | 1.1870% | 1,068 |
| Net interest margin | 4.0826% | 1,665 |
| Noninterest income to average assets | 0.9472% | 1,046 |
| Noninterest expense to average assets | 2.9558% | 2,091 |
| Loan and lease loss provision to assets | 0.0338% | 3,231 |
| Net operating income to assets | 1.3733% | 1,563 |
| Return on assets (ROA) | 1.3798% | 1,606 |
| Pretax return on assets | 1.7662% | 1,165 |
| Return on Equity (ROE) | 11.7535% | 1,704 |
| Retained earnings to average equity (ytd only) | 8.7450% | 1,122 |
| Net charge-offs to loans | 0.0059% | 3,179 |
| Credit loss provision to net charge-offs | 860.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 456.4814% | 216 |
| Efficiency ratio | 62.2319% | 3,292 |
| Assets per employee ($millions) | 4.5150% | 3,180 |
| Cash dividends to net income (ytd only)* | 25.5973% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,628 |
| Loan loss allowance to noncurrent loans | 298.7201% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 3,506 |
| Noncurrent loans to loans | 0.3939% | 3,131 |
| Net loans and leases to total assets | 66.1340% | 3,034 |
| Net loans and leases to deposits | 77.7031% | 3,131 |
| Net loans and leases to core deposits | 88.6428% | 2,670 |
| Total domestic deposits to total assets | 85.1112% | 2,383 |
| Equity capital to assets | 12.3057% | 2,039 |
| Core capital (leverage) ratio | 12.1983% | 1,734 |
| Tier 1 risk-based capital ratio | 15.3007% | 2,713 |
| Total risk-based capital ratio | 16.3007% | 2,751 |
| Memoranda: | ||
| Average total assets | $679,494,750 | 1,102 |
| Average earning assets | $632,517,500 | 1,090 |
| Average equity | $79,769,750 | 1,089 |
| Average total loans | $452,164,000 | 1,157 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 920 |
| Cost of funding earning assets | 1.1883% | 1,026 |
| Net interest margin | 4.0455% | 1,777 |
| Noninterest income to average assets | 0.9344% | 992 |
| Noninterest expense to average assets | 2.9502% | 2,134 |
| Loan and lease loss provision to assets | 0.0427% | 2,966 |
| Net operating income to assets | 1.3397% | 1,617 |
| Return on assets (ROA) | 1.3446% | 1,665 |
| Pretax return on assets | 1.7164% | 1,239 |
| Return on Equity (ROE) | 11.6411% | 1,722 |
| Retained earnings to average equity (ytd only) | 8.5797% | 1,171 |
| Net charge-offs to loans | -0.0049% | 4,115 |
| Credit loss provision to net charge-offs | -1,318.1818% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6966% | 3,331 |
| Assets per employee ($millions) | 4.4538% | 3,215 |
| Cash dividends to net income (ytd only)* | 26.2985% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,483 |
| Loan loss allowance to noncurrent loans | 233.6668% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 3,186 |
| Noncurrent loans to loans | 0.5171% | 2,730 |
| Net loans and leases to total assets | 64.4580% | 3,289 |
| Net loans and leases to deposits | 76.6578% | 3,276 |
| Net loans and leases to core deposits | 88.2918% | 2,768 |
| Total domestic deposits to total assets | 84.0854% | 2,824 |
| Equity capital to assets | 11.9526% | 2,221 |
| Core capital (leverage) ratio | 11.8112% | 1,938 |
| Tier 1 risk-based capital ratio | 15.6053% | 2,585 |
| Total risk-based capital ratio | 16.6498% | 2,592 |
| Memoranda: | ||
| Average total assets | $678,737,670 | 1,095 |
| Average earning assets | $632,315,000 | 1,094 |
| Average equity | $78,394,330 | 1,100 |
| Average total loans | $450,803,000 | 1,163 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 966 |
| Cost of funding earning assets | 1.1608% | 1,013 |
| Net interest margin | 4.0065% | 1,839 |
| Noninterest income to average assets | 0.9336% | 958 |
| Noninterest expense to average assets | 2.9159% | 2,232 |
| Loan and lease loss provision to assets | 0.0679% | 2,311 |
| Net operating income to assets | 1.3232% | 1,617 |
| Return on assets (ROA) | 1.3316% | 1,628 |
| Pretax return on assets | 1.6941% | 1,225 |
| Return on Equity (ROE) | 11.7345% | 1,639 |
| Retained earnings to average equity (ytd only) | 8.6122% | 1,446 |
| Net charge-offs to loans | 0.0123% | 2,254 |
| Credit loss provision to net charge-offs | 821.4286% | 437 |
| Earnings coverage of net charge-offs (x) | 211.8571% | 363 |
| Efficiency ratio | 62.4494% | 3,461 |
| Assets per employee ($millions) | 4.4050% | 3,321 |
| Cash dividends to net income (ytd only)* | 26.6075% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,754 |
| Loan loss allowance to noncurrent loans | 236.4162% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 3,290 |
| Noncurrent loans to loans | 0.4940% | 2,833 |
| Net loans and leases to total assets | 65.4821% | 3,117 |
| Net loans and leases to deposits | 78.6019% | 2,994 |
| Net loans and leases to core deposits | 90.9544% | 2,405 |
| Total domestic deposits to total assets | 83.3085% | 3,279 |
| Equity capital to assets | 11.4138% | 2,477 |
| Core capital (leverage) ratio | 11.6036% | 2,050 |
| Tier 1 risk-based capital ratio | 15.0317% | 2,881 |
| Total risk-based capital ratio | 16.0491% | 2,898 |
| Memoranda: | ||
| Average total assets | $677,394,000 | 1,099 |
| Average earning assets | $631,278,500 | 1,093 |
| Average equity | $76,867,500 | 1,113 |
| Average total loans | $453,902,000 | 1,166 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 899 |
| Cost of funding earning assets | 0.7307% | 1,900 |
| Net interest margin | 4.3432% | 1,056 |
| Noninterest income to average assets | 0.8640% | 1,282 |
| Noninterest expense to average assets | 3.0246% | 1,996 |
| Loan and lease loss provision to assets | 0.1331% | 1,638 |
| Net operating income to assets | 1.3852% | 1,481 |
| Return on assets (ROA) | 1.3928% | 1,450 |
| Pretax return on assets | 1.7650% | 1,014 |
| Return on Equity (ROE) | 12.6899% | 1,472 |
| Retained earnings to average equity (ytd only) | 9.1259% | 816 |
| Net charge-offs to loans | 0.1553% | 1,240 |
| Credit loss provision to net charge-offs | 130.2395% | 2,030 |
| Earnings coverage of net charge-offs (x) | 18.4731% | 2,130 |
| Efficiency ratio | 61.5250% | 3,622 |
| Assets per employee ($millions) | 4.2796% | 3,493 |
| Cash dividends to net income (ytd only)* | 28.0848% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 2,817 |
| Loan loss allowance to noncurrent loans | 273.5186% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 3,442 |
| Noncurrent loans to loans | 0.4214% | 3,031 |
| Net loans and leases to total assets | 66.9990% | 3,003 |
| Net loans and leases to deposits | 80.4137% | 2,908 |
| Net loans and leases to core deposits | 92.5098% | 2,365 |
| Total domestic deposits to total assets | 83.3180% | 3,220 |
| Equity capital to assets | 11.2793% | 2,437 |
| Core capital (leverage) ratio | 11.5586% | 2,053 |
| Tier 1 risk-based capital ratio | 15.0185% | 2,826 |
| Total risk-based capital ratio | 16.0373% | 2,854 |
| Memoranda: | ||
| Average total assets | $653,441,200 | 1,112 |
| Average earning assets | $609,175,200 | 1,100 |
| Average equity | $71,718,600 | 1,141 |
| Average total loans | $430,057,600 | 1,178 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0182% | 913 |
| Cost of funding earning assets | 0.6485% | 2,158 |
| Net interest margin | 4.3696% | 964 |
| Noninterest income to average assets | 0.8846% | 1,236 |
| Noninterest expense to average assets | 3.0312% | 1,925 |
| Loan and lease loss provision to assets | 0.0804% | 2,346 |
| Net operating income to assets | 1.4581% | 1,305 |
| Return on assets (ROA) | 1.4683% | 1,282 |
| Pretax return on assets | 1.8622% | 878 |
| Return on Equity (ROE) | 13.4737% | 1,275 |
| Retained earnings to average equity (ytd only) | 9.8648% | 963 |
| Net charge-offs to loans | 0.1370% | 1,183 |
| Credit loss provision to net charge-offs | 89.9083% | 2,425 |
| Earnings coverage of net charge-offs (x) | 21.5734% | 1,914 |
| Efficiency ratio | 61.0645% | 3,656 |
| Assets per employee ($millions) | 4.2221% | 3,542 |
| Cash dividends to net income (ytd only)* | 26.7850% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,237 |
| Loan loss allowance to noncurrent loans | 209.2632% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,229 |
| Noncurrent loans to loans | 0.5217% | 2,820 |
| Net loans and leases to total assets | 68.3591% | 2,882 |
| Net loans and leases to deposits | 82.9274% | 2,722 |
| Net loans and leases to core deposits | 93.8758% | 2,301 |
| Total domestic deposits to total assets | 82.4325% | 3,482 |
| Equity capital to assets | 10.9358% | 2,717 |
| Core capital (leverage) ratio | 11.4608% | 2,206 |
| Tier 1 risk-based capital ratio | 14.5108% | 3,122 |
| Total risk-based capital ratio | 15.4649% | 3,177 |
| Memoranda: | ||
| Average total assets | $649,898,750 | 1,120 |
| Average earning assets | $606,263,250 | 1,105 |
| Average equity | $70,822,750 | 1,149 |
| Average total loans | $424,444,750 | 1,197 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 947 |
| Cost of funding earning assets | 0.5958% | 2,257 |
| Net interest margin | 4.3392% | 958 |
| Noninterest income to average assets | 0.8720% | 1,264 |
| Noninterest expense to average assets | 3.0440% | 1,925 |
| Loan and lease loss provision to assets | 0.0145% | 3,585 |
| Net operating income to assets | 1.4710% | 1,225 |
| Return on assets (ROA) | 1.4739% | 1,215 |
| Pretax return on assets | 1.8671% | 848 |
| Return on Equity (ROE) | 13.5414% | 1,193 |
| Retained earnings to average equity (ytd only) | 9.9118% | 949 |
| Net charge-offs to loans | 0.1318% | 1,131 |
| Credit loss provision to net charge-offs | 17.2161% | 2,701 |
| Earnings coverage of net charge-offs (x) | 22.2527% | 1,750 |
| Efficiency ratio | 61.8076% | 3,648 |
| Assets per employee ($millions) | 4.1669% | 3,634 |
| Cash dividends to net income (ytd only)* | 26.8037% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,194 |
| Loan loss allowance to noncurrent loans | 290.0061% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 3,741 |
| Noncurrent loans to loans | 0.3834% | 3,322 |
| Net loans and leases to total assets | 65.9398% | 3,162 |
| Net loans and leases to deposits | 79.1013% | 3,042 |
| Net loans and leases to core deposits | 89.1085% | 2,638 |
| Total domestic deposits to total assets | 83.3612% | 3,303 |
| Equity capital to assets | 11.0198% | 2,621 |
| Core capital (leverage) ratio | 11.4183% | 2,142 |
| Tier 1 risk-based capital ratio | 14.8656% | 2,939 |
| Total risk-based capital ratio | 15.8295% | 2,997 |
| Memoranda: | ||
| Average total assets | $646,982,670 | 1,127 |
| Average earning assets | $603,843,670 | 1,111 |
| Average equity | $70,421,000 | 1,152 |
| Average total loans | $414,188,000 | 1,220 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 1,125 |
| Cost of funding earning assets | 0.5611% | 2,311 |
| Net interest margin | 4.2176% | 1,142 |
| Noninterest income to average assets | 0.8389% | 1,334 |
| Noninterest expense to average assets | 2.9786% | 2,117 |
| Loan and lease loss provision to assets | 0.0136% | 3,357 |
| Net operating income to assets | 1.4169% | 1,300 |
| Return on assets (ROA) | 1.4115% | 1,324 |
| Pretax return on assets | 1.7772% | 953 |
| Return on Equity (ROE) | 13.0488% | 1,247 |
| Retained earnings to average equity (ytd only) | 9.3997% | 1,328 |
| Net charge-offs to loans | 0.1182% | 1,073 |
| Credit loss provision to net charge-offs | 18.3333% | 2,133 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,363 |
| Efficiency ratio | 62.3254% | 3,728 |
| Assets per employee ($millions) | 4.2523% | 3,561 |
| Cash dividends to net income (ytd only)* | 27.9650% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,948 |
| Loan loss allowance to noncurrent loans | 241.8101% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,572 |
| Noncurrent loans to loans | 0.4874% | 3,059 |
| Net loans and leases to total assets | 63.7754% | 3,341 |
| Net loans and leases to deposits | 75.4079% | 3,280 |
| Net loans and leases to core deposits | 84.9522% | 2,899 |
| Total domestic deposits to total assets | 84.5738% | 3,088 |
| Equity capital to assets | 10.7866% | 2,786 |
| Core capital (leverage) ratio | 11.2043% | 2,243 |
| Tier 1 risk-based capital ratio | 14.7720% | 2,995 |
| Total risk-based capital ratio | 15.7807% | 3,012 |
| Memoranda: | ||
| Average total assets | $647,543,000 | 1,139 |
| Average earning assets | $604,513,500 | 1,125 |
| Average equity | $70,045,000 | 1,171 |
| Average total loans | $405,948,000 | 1,245 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 1,045 |
| Cost of funding earning assets | 0.4918% | 2,408 |
| Net interest margin | 4.2726% | 1,028 |
| Noninterest income to average assets | 0.9240% | 1,206 |
| Noninterest expense to average assets | 3.0355% | 2,056 |
| Loan and lease loss provision to assets | 0.0189% | 3,925 |
| Net operating income to assets | 1.1748% | 1,596 |
| Return on assets (ROA) | 1.1759% | 1,614 |
| Pretax return on assets | 1.8625% | 660 |
| Return on Equity (ROE) | 10.6424% | 1,620 |
| Retained earnings to average equity (ytd only) | 6.9462% | 1,100 |
| Net charge-offs to loans | 0.1277% | 1,770 |
| Credit loss provision to net charge-offs | 23.7903% | 3,585 |
| Earnings coverage of net charge-offs (x) | 23.6069% | 1,799 |
| Efficiency ratio | 61.7088% | 3,981 |
| Assets per employee ($millions) | 4.2962% | 3,490 |
| Cash dividends to net income (ytd only)* | 34.7304% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,375 |
| Loan loss allowance to noncurrent loans | 264.5383% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 3,717 |
| Noncurrent loans to loans | 0.4800% | 3,073 |
| Net loans and leases to total assets | 60.0791% | 3,823 |
| Net loans and leases to deposits | 71.7871% | 3,721 |
| Net loans and leases to core deposits | 80.6048% | 3,372 |
| Total domestic deposits to total assets | 83.6906% | 3,316 |
| Equity capital to assets | 10.8473% | 2,782 |
| Core capital (leverage) ratio | 11.1145% | 2,236 |
| Tier 1 risk-based capital ratio | 15.0017% | 2,858 |
| Total risk-based capital ratio | 16.0765% | 2,857 |
| Memoranda: | ||
| Average total assets | $622,927,800 | 1,161 |
| Average earning assets | $581,887,800 | 1,142 |
| Average equity | $68,828,600 | 1,158 |
| Average total loans | $388,482,800 | 1,265 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7815% | 960 |
| Cost of funding earning assets | 0.4737% | 2,488 |
| Net interest margin | 4.3078% | 906 |
| Noninterest income to average assets | 0.9218% | 1,211 |
| Noninterest expense to average assets | 3.0618% | 1,917 |
| Loan and lease loss provision to assets | 0.0184% | 3,775 |
| Net operating income to assets | 1.3018% | 1,324 |
| Return on assets (ROA) | 1.3018% | 1,366 |
| Pretax return on assets | 1.8654% | 756 |
| Return on Equity (ROE) | 11.7252% | 1,418 |
| Retained earnings to average equity (ytd only) | 8.0084% | 1,223 |
| Net charge-offs to loans | 0.1947% | 1,092 |
| Credit loss provision to net charge-offs | 15.0442% | 3,192 |
| Earnings coverage of net charge-offs (x) | 15.4160% | 2,228 |
| Efficiency ratio | 61.8621% | 3,908 |
| Assets per employee ($millions) | 4.0463% | 3,908 |
| Cash dividends to net income (ytd only)* | 31.6997% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,541 |
| Loan loss allowance to noncurrent loans | 251.8974% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 3,600 |
| Noncurrent loans to loans | 0.5026% | 3,193 |
| Net loans and leases to total assets | 61.4727% | 3,718 |
| Net loans and leases to deposits | 73.9637% | 3,571 |
| Net loans and leases to core deposits | 83.4048% | 3,178 |
| Total domestic deposits to total assets | 83.1119% | 3,422 |
| Equity capital to assets | 11.3789% | 2,486 |
| Core capital (leverage) ratio | 11.3527% | 2,137 |
| Tier 1 risk-based capital ratio | 15.2072% | 2,835 |
| Total risk-based capital ratio | 16.2852% | 2,831 |
| Memoranda: | ||
| Average total assets | $616,477,250 | 1,178 |
| Average earning assets | $575,840,250 | 1,163 |
| Average equity | $68,443,250 | 1,172 |
| Average total loans | $386,912,500 | 1,276 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 940 |
| Cost of funding earning assets | 0.4515% | 2,586 |
| Net interest margin | 4.3121% | 830 |
| Noninterest income to average assets | 0.8934% | 1,289 |
| Noninterest expense to average assets | 3.0482% | 1,982 |
| Loan and lease loss provision to assets | 0.0124% | 3,709 |
| Net operating income to assets | 1.3004% | 1,297 |
| Return on assets (ROA) | 1.3004% | 1,320 |
| Pretax return on assets | 1.8627% | 721 |
| Return on Equity (ROE) | 11.8126% | 1,354 |
| Retained earnings to average equity (ytd only) | 8.0506% | 1,141 |
| Net charge-offs to loans | 0.2949% | 690 |
| Credit loss provision to net charge-offs | 6.6667% | 2,872 |
| Earnings coverage of net charge-offs (x) | 10.1035% | 2,370 |
| Efficiency ratio | 61.8676% | 4,013 |
| Assets per employee ($millions) | 3.9583% | 4,025 |
| Cash dividends to net income (ytd only)* | 31.8478% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,571 |
| Loan loss allowance to noncurrent loans | 275.9796% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 3,786 |
| Noncurrent loans to loans | 0.4602% | 3,365 |
| Net loans and leases to total assets | 61.9712% | 3,635 |
| Net loans and leases to deposits | 74.6714% | 3,479 |
| Net loans and leases to core deposits | 84.2704% | 3,036 |
| Total domestic deposits to total assets | 82.9919% | 3,570 |
| Equity capital to assets | 11.4446% | 2,371 |
| Core capital (leverage) ratio | 11.2603% | 2,167 |
| Tier 1 risk-based capital ratio | 14.9329% | 2,958 |
| Total risk-based capital ratio | 16.0017% | 2,968 |
| Memoranda: | ||
| Average total assets | $614,260,670 | 1,189 |
| Average earning assets | $574,054,000 | 1,173 |
| Average equity | $67,622,670 | 1,182 |
| Average total loans | $386,561,670 | 1,279 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 925 |
| Cost of funding earning assets | 0.4390% | 2,622 |
| Net interest margin | 4.2703% | 849 |
| Noninterest income to average assets | 0.8596% | 1,369 |
| Noninterest expense to average assets | 3.0256% | 2,093 |
| Loan and lease loss provision to assets | 0.0143% | 3,380 |
| Net operating income to assets | 1.2741% | 1,309 |
| Return on assets (ROA) | 1.2741% | 1,343 |
| Pretax return on assets | 1.8203% | 757 |
| Return on Equity (ROE) | 11.8043% | 1,301 |
| Retained earnings to average equity (ytd only) | 7.9817% | 1,466 |
| Net charge-offs to loans | 0.0721% | 1,608 |
| Credit loss provision to net charge-offs | 31.4286% | 2,106 |
| Earnings coverage of net charge-offs (x) | 40.4000% | 1,036 |
| Efficiency ratio | 62.1997% | 4,122 |
| Assets per employee ($millions) | 4.0445% | 3,932 |
| Cash dividends to net income (ytd only)* | 32.3829% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 2,170 |
| Loan loss allowance to noncurrent loans | 214.7910% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,393 |
| Noncurrent loans to loans | 0.6419% | 2,898 |
| Net loans and leases to total assets | 62.1774% | 3,511 |
| Net loans and leases to deposits | 73.4425% | 3,457 |
| Net loans and leases to core deposits | 83.1824% | 2,978 |
| Total domestic deposits to total assets | 84.6614% | 3,237 |
| Equity capital to assets | 10.9485% | 2,688 |
| Core capital (leverage) ratio | 10.7551% | 2,637 |
| Tier 1 risk-based capital ratio | 14.5729% | 3,166 |
| Total risk-based capital ratio | 15.7439% | 3,138 |
| Memoranda: | ||
| Average total assets | $616,601,000 | 1,177 |
| Average earning assets | $577,668,000 | 1,167 |
| Average equity | $66,552,000 | 1,198 |
| Average total loans | $388,530,500 | 1,283 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 930 |
| Cost of funding earning assets | 0.4364% | 2,639 |
| Net interest margin | 4.3357% | 876 |
| Noninterest income to average assets | 0.8940% | 1,430 |
| Noninterest expense to average assets | 3.0548% | 2,162 |
| Loan and lease loss provision to assets | 0.0361% | 3,643 |
| Net operating income to assets | 1.3062% | 1,198 |
| Return on assets (ROA) | 1.3082% | 1,260 |
| Pretax return on assets | 1.8658% | 668 |
| Return on Equity (ROE) | 11.8253% | 1,300 |
| Retained earnings to average equity (ytd only) | 8.1467% | 802 |
| Net charge-offs to loans | 0.0697% | 2,699 |
| Credit loss provision to net charge-offs | 81.2977% | 2,957 |
| Earnings coverage of net charge-offs (x) | 42.7443% | 1,129 |
| Efficiency ratio | 61.6006% | 4,331 |
| Assets per employee ($millions) | 4.0687% | 3,840 |
| Cash dividends to net income (ytd only)* | 31.1082% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,145 |
| Loan loss allowance to noncurrent loans | 275.8056% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 3,840 |
| Noncurrent loans to loans | 0.5020% | 3,352 |
| Net loans and leases to total assets | 62.1050% | 3,603 |
| Net loans and leases to deposits | 74.0570% | 3,507 |
| Net loans and leases to core deposits | 83.8746% | 3,035 |
| Total domestic deposits to total assets | 83.8610% | 3,477 |
| Equity capital to assets | 10.6392% | 2,990 |
| Core capital (leverage) ratio | 10.9293% | 2,408 |
| Tier 1 risk-based capital ratio | 14.3781% | 3,245 |
| Total risk-based capital ratio | 15.5673% | 3,198 |
| Memoranda: | ||
| Average total assets | $589,720,200 | 1,190 |
| Average earning assets | $552,200,000 | 1,165 |
| Average equity | $65,241,200 | 1,206 |
| Average total loans | $375,725,400 | 1,258 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 900 |
| Cost of funding earning assets | 0.4354% | 2,683 |
| Net interest margin | 4.3627% | 831 |
| Noninterest income to average assets | 0.8773% | 1,481 |
| Noninterest expense to average assets | 3.0830% | 2,073 |
| Loan and lease loss provision to assets | 0.0403% | 3,433 |
| Net operating income to assets | 1.2952% | 1,308 |
| Return on assets (ROA) | 1.2964% | 1,404 |
| Pretax return on assets | 1.8399% | 822 |
| Return on Equity (ROE) | 11.5999% | 1,459 |
| Retained earnings to average equity (ytd only) | 7.9135% | 1,211 |
| Net charge-offs to loans | 0.0580% | 2,523 |
| Credit loss provision to net charge-offs | 108.6420% | 2,242 |
| Earnings coverage of net charge-offs (x) | 50.6678% | 1,062 |
| Efficiency ratio | 62.0721% | 4,216 |
| Assets per employee ($millions) | 3.8890% | 4,153 |
| Cash dividends to net income (ytd only)* | 31.7797% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 2,209 |
| Loan loss allowance to noncurrent loans | 232.9206% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 3,841 |
| Noncurrent loans to loans | 0.6005% | 3,211 |
| Net loans and leases to total assets | 65.0592% | 3,263 |
| Net loans and leases to deposits | 78.4016% | 3,146 |
| Net loans and leases to core deposits | 89.5150% | 2,618 |
| Total domestic deposits to total assets | 82.9821% | 3,607 |
| Equity capital to assets | 11.4307% | 2,573 |
| Core capital (leverage) ratio | 11.1034% | 2,354 |
| Tier 1 risk-based capital ratio | 14.2673% | 3,419 |
| Total risk-based capital ratio | 15.4884% | 3,362 |
| Memoranda: | ||
| Average total assets | $582,540,250 | 1,202 |
| Average earning assets | $545,368,250 | 1,183 |
| Average equity | $65,102,250 | 1,213 |
| Average total loans | $372,288,250 | 1,268 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 944 |
| Cost of funding earning assets | 0.4357% | 2,693 |
| Net interest margin | 4.3245% | 877 |
| Noninterest income to average assets | 0.8415% | 1,578 |
| Noninterest expense to average assets | 3.0683% | 2,145 |
| Loan and lease loss provision to assets | 0.0255% | 3,627 |
| Net operating income to assets | 1.2695% | 1,357 |
| Return on assets (ROA) | 1.2707% | 1,472 |
| Pretax return on assets | 1.7941% | 891 |
| Return on Equity (ROE) | 11.4593% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.7256% | 1,279 |
| Net charge-offs to loans | 0.0617% | 2,314 |
| Credit loss provision to net charge-offs | 65.4867% | 2,517 |
| Earnings coverage of net charge-offs (x) | 46.6283% | 1,040 |
| Efficiency ratio | 62.7313% | 4,226 |
| Assets per employee ($millions) | 3.7529% | 4,354 |
| Cash dividends to net income (ytd only)* | 32.5821% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 2,095 |
| Loan loss allowance to noncurrent loans | 204.0030% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 3,500 |
| Noncurrent loans to loans | 0.7074% | 2,957 |
| Net loans and leases to total assets | 64.2525% | 3,332 |
| Net loans and leases to deposits | 76.7909% | 3,296 |
| Net loans and leases to core deposits | 86.1907% | 2,877 |
| Total domestic deposits to total assets | 83.6721% | 3,395 |
| Equity capital to assets | 11.5062% | 2,543 |
| Core capital (leverage) ratio | 10.8668% | 2,571 |
| Tier 1 risk-based capital ratio | 14.3236% | 3,422 |
| Total risk-based capital ratio | 15.5645% | 3,349 |
| Memoranda: | ||
| Average total assets | $579,677,330 | 1,214 |
| Average earning assets | $542,164,330 | 1,195 |
| Average equity | $64,279,670 | 1,229 |
| Average total loans | $366,371,330 | 1,280 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 1,065 |
| Cost of funding earning assets | 0.4420% | 2,667 |
| Net interest margin | 4.2495% | 1,002 |
| Noninterest income to average assets | 0.7761% | 1,708 |
| Noninterest expense to average assets | 2.9834% | 2,444 |
| Loan and lease loss provision to assets | 0.0426% | 3,070 |
| Net operating income to assets | 1.2310% | 1,449 |
| Return on assets (ROA) | 1.2335% | 1,548 |
| Pretax return on assets | 1.7287% | 993 |
| Return on Equity (ROE) | 11.3338% | 1,493 |
| Retained earnings to average equity (ytd only) | 7.5475% | 1,646 |
| Net charge-offs to loans | 0.0640% | 1,853 |
| Credit loss provision to net charge-offs | 106.8966% | 1,545 |
| Earnings coverage of net charge-offs (x) | 44.3793% | 951 |
| Efficiency ratio | 62.7204% | 4,341 |
| Assets per employee ($millions) | 3.9681% | 4,009 |
| Cash dividends to net income (ytd only)* | 33.4076% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 2,109 |
| Loan loss allowance to noncurrent loans | 162.0536% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 3,348 |
| Noncurrent loans to loans | 0.9082% | 2,580 |
| Net loans and leases to total assets | 62.0712% | 3,515 |
| Net loans and leases to deposits | 74.3735% | 3,397 |
| Net loans and leases to core deposits | 83.0813% | 3,031 |
| Total domestic deposits to total assets | 83.4587% | 3,729 |
| Equity capital to assets | 10.9563% | 2,991 |
| Core capital (leverage) ratio | 10.6906% | 2,745 |
| Tier 1 risk-based capital ratio | 14.2002% | 3,565 |
| Total risk-based capital ratio | 15.4504% | 3,498 |
| Memoranda: | ||
| Average total assets | $582,419,000 | 1,209 |
| Average earning assets | $544,815,000 | 1,189 |
| Average equity | $63,385,500 | 1,233 |
| Average total loans | $362,389,000 | 1,291 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 1,214 |
| Cost of funding earning assets | 0.4594% | 2,539 |
| Net interest margin | 4.1904% | 1,188 |
| Noninterest income to average assets | 0.8191% | 1,710 |
| Noninterest expense to average assets | 2.9984% | 2,551 |
| Loan and lease loss provision to assets | 0.1827% | 1,234 |
| Net operating income to assets | 1.1415% | 1,761 |
| Return on assets (ROA) | 1.1369% | 1,848 |
| Pretax return on assets | 1.5843% | 1,296 |
| Return on Equity (ROE) | 10.5544% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.9800% | 1,287 |
| Net charge-offs to loans | 0.3459% | 859 |
| Credit loss provision to net charge-offs | 85.2745% | 2,854 |
| Earnings coverage of net charge-offs (x) | 8.2770% | 2,974 |
| Efficiency ratio | 62.7456% | 4,485 |
| Assets per employee ($millions) | 3.9559% | 4,017 |
| Cash dividends to net income (ytd only)* | 33.8664% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,850 |
| Loan loss allowance to noncurrent loans | 147.4126% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 3,139 |
| Noncurrent loans to loans | 1.0403% | 2,254 |
| Net loans and leases to total assets | 60.4893% | 3,762 |
| Net loans and leases to deposits | 72.3007% | 3,685 |
| Net loans and leases to core deposits | 81.0399% | 3,242 |
| Total domestic deposits to total assets | 83.6634% | 3,609 |
| Equity capital to assets | 10.8087% | 3,019 |
| Core capital (leverage) ratio | 10.7647% | 2,642 |
| Tier 1 risk-based capital ratio | 14.3612% | 3,514 |
| Total risk-based capital ratio | 15.6119% | 3,428 |
| Memoranda: | ||
| Average total assets | $560,992,200 | 1,217 |
| Average earning assets | $529,180,000 | 1,190 |
| Average equity | $60,429,600 | 1,255 |
| Average total loans | $347,462,400 | 1,297 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6465% | 1,217 |
| Cost of funding earning assets | 0.4589% | 2,599 |
| Net interest margin | 4.1876% | 1,191 |
| Noninterest income to average assets | 0.8167% | 1,742 |
| Noninterest expense to average assets | 2.9886% | 2,559 |
| Loan and lease loss provision to assets | 0.2418% | 725 |
| Net operating income to assets | 1.1091% | 1,966 |
| Return on assets (ROA) | 1.1093% | 2,043 |
| Pretax return on assets | 1.5453% | 1,556 |
| Return on Equity (ROE) | 10.3073% | 1,971 |
| Retained earnings to average equity (ytd only) | 6.8367% | 1,767 |
| Net charge-offs to loans | 0.4571% | 551 |
| Credit loss provision to net charge-offs | 85.2321% | 2,536 |
| Earnings coverage of net charge-offs (x) | 6.2979% | 3,068 |
| Efficiency ratio | 62.4919% | 4,495 |
| Assets per employee ($millions) | 3.7709% | 4,321 |
| Cash dividends to net income (ytd only)* | 33.6715% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 1,904 |
| Loan loss allowance to noncurrent loans | 186.3403% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 3,719 |
| Noncurrent loans to loans | 0.8405% | 2,868 |
| Net loans and leases to total assets | 62.1355% | 3,585 |
| Net loans and leases to deposits | 74.7896% | 3,447 |
| Net loans and leases to core deposits | 82.8511% | 3,165 |
| Total domestic deposits to total assets | 83.0804% | 3,790 |
| Equity capital to assets | 11.1920% | 2,804 |
| Core capital (leverage) ratio | 10.8170% | 2,693 |
| Tier 1 risk-based capital ratio | 14.4260% | 3,615 |
| Total risk-based capital ratio | 15.6772% | 3,527 |
| Memoranda: | ||
| Average total assets | $556,849,750 | 1,230 |
| Average earning assets | $526,436,000 | 1,203 |
| Average equity | $59,930,250 | 1,275 |
| Average total loans | $345,627,000 | 1,305 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 1,333 |
| Cost of funding earning assets | 0.4537% | 2,682 |
| Net interest margin | 4.1231% | 1,294 |
| Noninterest income to average assets | 0.7901% | 1,819 |
| Noninterest expense to average assets | 2.9140% | 2,849 |
| Loan and lease loss provision to assets | 0.3192% | 448 |
| Net operating income to assets | 1.0585% | 2,106 |
| Return on assets (ROA) | 1.0588% | 2,214 |
| Pretax return on assets | 1.4724% | 1,719 |
| Return on Equity (ROE) | 9.9683% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.7343% | 1,825 |
| Net charge-offs to loans | 0.5861% | 410 |
| Credit loss provision to net charge-offs | 88.2295% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.9515% | 2,975 |
| Efficiency ratio | 61.8403% | 4,694 |
| Assets per employee ($millions) | 3.8145% | 4,230 |
| Cash dividends to net income (ytd only)* | 32.4434% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 1,869 |
| Loan loss allowance to noncurrent loans | 124.9205% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 3,013 |
| Noncurrent loans to loans | 1.2899% | 2,091 |
| Net loans and leases to total assets | 60.2914% | 3,786 |
| Net loans and leases to deposits | 70.6645% | 3,856 |
| Net loans and leases to core deposits | 77.9537% | 3,577 |
| Total domestic deposits to total assets | 85.3206% | 3,000 |
| Equity capital to assets | 10.7420% | 3,175 |
| Core capital (leverage) ratio | 10.4265% | 3,053 |
| Tier 1 risk-based capital ratio | 14.3184% | 3,747 |
| Total risk-based capital ratio | 15.5698% | 3,664 |
| Memoranda: | ||
| Average total assets | $558,951,330 | 1,231 |
| Average earning assets | $530,765,330 | 1,200 |
| Average equity | $59,368,000 | 1,291 |
| Average total loans | $344,993,670 | 1,310 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 1,481 |
| Cost of funding earning assets | 0.4485% | 2,780 |
| Net interest margin | 4.0460% | 1,422 |
| Noninterest income to average assets | 0.7172% | 2,083 |
| Noninterest expense to average assets | 2.8166% | 3,192 |
| Loan and lease loss provision to assets | 0.3800% | 322 |
| Net operating income to assets | 1.0022% | 2,259 |
| Return on assets (ROA) | 1.0022% | 2,395 |
| Pretax return on assets | 1.3937% | 1,907 |
| Return on Equity (ROE) | 9.4894% | 2,219 |
| Retained earnings to average equity (ytd only) | 6.2429% | 2,357 |
| Net charge-offs to loans | 0.4486% | 554 |
| Credit loss provision to net charge-offs | 136.7609% | 1,330 |
| Earnings coverage of net charge-offs (x) | 6.3830% | 2,299 |
| Efficiency ratio | 61.2667% | 4,923 |
| Assets per employee ($millions) | 3.8950% | 4,176 |
| Cash dividends to net income (ytd only)* | 34.2124% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 1,920 |
| Loan loss allowance to noncurrent loans | 103.5965% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 2,651 |
| Noncurrent loans to loans | 1.5836% | 1,766 |
| Net loans and leases to total assets | 61.1588% | 3,503 |
| Net loans and leases to deposits | 73.0527% | 3,424 |
| Net loans and leases to core deposits | 78.2535% | 3,353 |
| Total domestic deposits to total assets | 83.7187% | 3,924 |
| Equity capital to assets | 10.6020% | 3,421 |
| Core capital (leverage) ratio | 10.1566% | 3,394 |
| Tier 1 risk-based capital ratio | 14.2998% | 3,827 |
| Total risk-based capital ratio | 15.5524% | 3,750 |
| Memoranda: | ||
| Average total assets | $559,965,000 | 1,236 |
| Average earning assets | $536,042,000 | 1,190 |
| Average equity | $59,139,500 | 1,297 |
| Average total loans | $346,852,500 | 1,306 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,497 |
| Cost of funding earning assets | 0.5404% | 2,284 |
| Net interest margin | 4.0807% | 1,648 |
| Noninterest income to average assets | 0.7684% | 1,997 |
| Noninterest expense to average assets | 2.9269% | 3,060 |
| Loan and lease loss provision to assets | 0.6625% | 196 |
| Net operating income to assets | 0.7997% | 3,372 |
| Return on assets (ROA) | 0.7999% | 3,472 |
| Pretax return on assets | 1.0617% | 3,249 |
| Return on Equity (ROE) | 7.6782% | 3,286 |
| Retained earnings to average equity (ytd only) | 4.9215% | 2,656 |
| Net charge-offs to loans | 1.1293% | 249 |
| Credit loss provision to net charge-offs | 96.3588% | 2,509 |
| Earnings coverage of net charge-offs (x) | 2.5074% | 4,132 |
| Efficiency ratio | 62.8127% | 4,782 |
| Assets per employee ($millions) | 3.8287% | 4,294 |
| Cash dividends to net income (ytd only)* | 35.9033% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 1,955 |
| Loan loss allowance to noncurrent loans | 80.3490% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 2,237 |
| Noncurrent loans to loans | 2.0412% | 1,349 |
| Net loans and leases to total assets | 60.6887% | 3,693 |
| Net loans and leases to deposits | 73.3643% | 3,506 |
| Net loans and leases to core deposits | 78.6943% | 3,443 |
| Total domestic deposits to total assets | 82.7224% | 4,174 |
| Equity capital to assets | 10.5199% | 3,451 |
| Core capital (leverage) ratio | 10.4609% | 2,994 |
| Tier 1 risk-based capital ratio | 15.3468% | 3,294 |
| Total risk-based capital ratio | 16.6006% | 3,246 |
| Memoranda: | ||
| Average total assets | $543,204,800 | 1,233 |
| Average earning assets | $516,824,400 | 1,188 |
| Average equity | $56,588,800 | 1,296 |
| Average total loans | $330,737,400 | 1,322 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 1,558 |
| Cost of funding earning assets | 0.5528% | 2,266 |
| Net interest margin | 4.0479% | 1,728 |
| Noninterest income to average assets | 0.7752% | 1,988 |
| Noninterest expense to average assets | 2.9091% | 3,085 |
| Loan and lease loss provision to assets | 0.7007% | 184 |
| Net operating income to assets | 0.7693% | 3,568 |
| Return on assets (ROA) | 0.7693% | 3,676 |
| Pretax return on assets | 1.0114% | 3,548 |
| Return on Equity (ROE) | 7.4033% | 3,494 |
| Retained earnings to average equity (ytd only) | 4.6244% | 3,341 |
| Net charge-offs to loans | 1.1658% | 240 |
| Credit loss provision to net charge-offs | 99.0579% | 2,262 |
| Earnings coverage of net charge-offs (x) | 2.4204% | 3,916 |
| Efficiency ratio | 62.8338% | 4,756 |
| Assets per employee ($millions) | 3.5739% | 4,731 |
| Cash dividends to net income (ytd only)* | 37.5360% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 1,978 |
| Loan loss allowance to noncurrent loans | 76.1569% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 2,076 |
| Noncurrent loans to loans | 2.2298% | 1,359 |
| Net loans and leases to total assets | 63.1050% | 3,329 |
| Net loans and leases to deposits | 74.4216% | 3,386 |
| Net loans and leases to core deposits | 79.9516% | 3,318 |
| Total domestic deposits to total assets | 84.7939% | 3,424 |
| Equity capital to assets | 11.0440% | 2,907 |
| Core capital (leverage) ratio | 10.3970% | 3,161 |
| Tier 1 risk-based capital ratio | 15.3769% | 3,387 |
| Total risk-based capital ratio | 16.6314% | 3,318 |
| Memoranda: | ||
| Average total assets | $540,216,500 | 1,244 |
| Average earning assets | $513,267,750 | 1,198 |
| Average equity | $56,135,500 | 1,309 |
| Average total loans | $327,787,750 | 1,340 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5207% | 1,767 |
| Cost of funding earning assets | 0.5519% | 2,334 |
| Net interest margin | 3.9688% | 1,908 |
| Noninterest income to average assets | 0.7777% | 1,925 |
| Noninterest expense to average assets | 2.8938% | 3,185 |
| Loan and lease loss provision to assets | 0.7411% | 175 |
| Net operating income to assets | 0.7055% | 3,810 |
| Return on assets (ROA) | 0.7055% | 3,903 |
| Pretax return on assets | 0.9102% | 3,845 |
| Return on Equity (ROE) | 6.9289% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.1184% | 3,553 |
| Net charge-offs to loans | 1.3166% | 228 |
| Credit loss provision to net charge-offs | 94.5250% | 2,103 |
| Earnings coverage of net charge-offs (x) | 2.1062% | 3,635 |
| Efficiency ratio | 63.5483% | 4,764 |
| Assets per employee ($millions) | 3.7538% | 4,344 |
| Cash dividends to net income (ytd only)* | 40.5616% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 2,126 |
| Loan loss allowance to noncurrent loans | 72.2229% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6537% | 1,969 |
| Noncurrent loans to loans | 2.3580% | 1,357 |
| Net loans and leases to total assets | 59.7770% | 3,757 |
| Net loans and leases to deposits | 69.1147% | 3,924 |
| Net loans and leases to core deposits | 74.8345% | 3,746 |
| Total domestic deposits to total assets | 86.4896% | 2,766 |
| Equity capital to assets | 10.4763% | 3,469 |
| Core capital (leverage) ratio | 9.9724% | 3,653 |
| Tier 1 risk-based capital ratio | 15.4462% | 3,384 |
| Total risk-based capital ratio | 16.7008% | 3,322 |
| Memoranda: | ||
| Average total assets | $545,168,330 | 1,231 |
| Average earning assets | $517,491,000 | 1,181 |
| Average equity | $55,507,000 | 1,309 |
| Average total loans | $324,631,670 | 1,339 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 2,000 |
| Cost of funding earning assets | 0.5540% | 2,393 |
| Net interest margin | 3.8833% | 2,141 |
| Noninterest income to average assets | 0.6679% | 2,356 |
| Noninterest expense to average assets | 2.7881% | 3,611 |
| Loan and lease loss provision to assets | 0.7793% | 155 |
| Net operating income to assets | 0.6224% | 4,084 |
| Return on assets (ROA) | 0.6224% | 4,167 |
| Pretax return on assets | 0.7801% | 4,181 |
| Return on Equity (ROE) | 6.2029% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.3535% | 4,115 |
| Net charge-offs to loans | 1.0627% | 313 |
| Credit loss provision to net charge-offs | 124.4731% | 1,423 |
| Earnings coverage of net charge-offs (x) | 2.4906% | 2,869 |
| Efficiency ratio | 64.0135% | 4,853 |
| Assets per employee ($millions) | 3.8068% | 4,309 |
| Cash dividends to net income (ytd only)* | 45.9364% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 1,847 |
| Loan loss allowance to noncurrent loans | 57.0295% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.2642% | 1,454 |
| Noncurrent loans to loans | 3.2759% | 934 |
| Net loans and leases to total assets | 56.7433% | 4,041 |
| Net loans and leases to deposits | 65.9331% | 4,104 |
| Net loans and leases to core deposits | 72.2723% | 3,847 |
| Total domestic deposits to total assets | 86.0618% | 3,336 |
| Equity capital to assets | 10.0290% | 3,810 |
| Core capital (leverage) ratio | 9.8085% | 3,846 |
| Tier 1 risk-based capital ratio | 15.4688% | 3,452 |
| Total risk-based capital ratio | 16.7247% | 3,414 |
| Memoranda: | ||
| Average total assets | $545,600,000 | 1,237 |
| Average earning assets | $516,989,000 | 1,189 |
| Average equity | $54,749,000 | 1,322 |
| Average total loans | $321,444,500 | 1,360 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 1,961 |
| Cost of funding earning assets | 0.6083% | 2,588 |
| Net interest margin | 3.9615% | 2,060 |
| Noninterest income to average assets | 0.6869% | 2,616 |
| Noninterest expense to average assets | 2.9360% | 3,250 |
| Loan and lease loss provision to assets | 0.8049% | 265 |
| Net operating income to assets | 0.5466% | 4,521 |
| Return on assets (ROA) | 0.5789% | 4,475 |
| Pretax return on assets | 0.7281% | 4,427 |
| Return on Equity (ROE) | 5.6475% | 4,305 |
| Retained earnings to average equity (ytd only) | 2.7485% | 4,281 |
| Net charge-offs to loans | 1.1865% | 450 |
| Credit loss provision to net charge-offs | 111.4188% | 2,158 |
| Earnings coverage of net charge-offs (x) | 2.0662% | 4,357 |
| Efficiency ratio | 66.1376% | 4,535 |
| Assets per employee ($millions) | 3.7707% | 4,328 |
| Cash dividends to net income (ytd only)* | 51.3327% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 2,137 |
| Loan loss allowance to noncurrent loans | 47.8225% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.7041% | 1,237 |
| Noncurrent loans to loans | 3.7169% | 809 |
| Net loans and leases to total assets | 58.9668% | 3,877 |
| Net loans and leases to deposits | 69.0592% | 3,899 |
| Net loans and leases to core deposits | 76.1081% | 3,595 |
| Total domestic deposits to total assets | 85.3859% | 3,560 |
| Equity capital to assets | 10.0404% | 3,714 |
| Core capital (leverage) ratio | 10.1262% | 3,393 |
| Tier 1 risk-based capital ratio | 15.3243% | 3,469 |
| Total risk-based capital ratio | 16.5794% | 3,418 |
| Memoranda: | ||
| Average total assets | $524,933,600 | 1,268 |
| Average earning assets | $495,797,400 | 1,228 |
| Average equity | $53,811,800 | 1,321 |
| Average total loans | $319,599,400 | 1,330 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 2,065 |
| Cost of funding earning assets | 0.6193% | 2,653 |
| Net interest margin | 3.9241% | 2,184 |
| Noninterest income to average assets | 0.6982% | 2,621 |
| Noninterest expense to average assets | 2.9340% | 3,195 |
| Loan and lease loss provision to assets | 0.8102% | 237 |
| Net operating income to assets | 0.5243% | 4,692 |
| Return on assets (ROA) | 0.5675% | 4,640 |
| Pretax return on assets | 0.7125% | 4,650 |
| Return on Equity (ROE) | 5.5064% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.6031% | 4,767 |
| Net charge-offs to loans | 1.3037% | 407 |
| Credit loss provision to net charge-offs | 101.7014% | 2,304 |
| Earnings coverage of net charge-offs (x) | 1.8437% | 4,217 |
| Efficiency ratio | 66.4789% | 4,401 |
| Assets per employee ($millions) | 3.7141% | 4,427 |
| Cash dividends to net income (ytd only)* | 52.7265% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 2,894 |
| Loan loss allowance to noncurrent loans | 31.0062% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 3.8969% | 813 |
| Noncurrent loans to loans | 5.2442% | 546 |
| Net loans and leases to total assets | 62.5271% | 3,254 |
| Net loans and leases to deposits | 72.9086% | 3,419 |
| Net loans and leases to core deposits | 80.4151% | 3,077 |
| Total domestic deposits to total assets | 85.7609% | 3,374 |
| Equity capital to assets | 10.1686% | 3,678 |
| Core capital (leverage) ratio | 10.2807% | 3,273 |
| Tier 1 risk-based capital ratio | 14.9386% | 3,791 |
| Total risk-based capital ratio | 16.1921% | 3,738 |
| Memoranda: | ||
| Average total assets | $521,364,000 | 1,283 |
| Average earning assets | $492,194,500 | 1,246 |
| Average equity | $53,730,000 | 1,331 |
| Average total loans | $318,571,750 | 1,338 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 2,210 |
| Cost of funding earning assets | 0.6258% | 2,727 |
| Net interest margin | 3.8716% | 2,306 |
| Noninterest income to average assets | 0.6949% | 2,668 |
| Noninterest expense to average assets | 2.9040% | 3,316 |
| Loan and lease loss provision to assets | 0.8049% | 267 |
| Net operating income to assets | 0.5064% | 4,775 |
| Return on assets (ROA) | 0.5703% | 4,624 |
| Pretax return on assets | 0.7209% | 4,613 |
| Return on Equity (ROE) | 5.5095% | 4,453 |
| Retained earnings to average equity (ytd only) | 2.6215% | 4,642 |
| Net charge-offs to loans | 1.3586% | 416 |
| Credit loss provision to net charge-offs | 98.2686% | 2,280 |
| Earnings coverage of net charge-offs (x) | 1.7642% | 3,942 |
| Efficiency ratio | 66.6167% | 4,429 |
| Assets per employee ($millions) | 3.6989% | 4,400 |
| Cash dividends to net income (ytd only)* | 52.4194% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 2,829 |
| Loan loss allowance to noncurrent loans | 25.6792% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 4.6240% | 696 |
| Noncurrent loans to loans | 6.5660% | 396 |
| Net loans and leases to total assets | 59.9254% | 3,666 |
| Net loans and leases to deposits | 69.8678% | 3,732 |
| Net loans and leases to core deposits | 75.0877% | 3,661 |
| Total domestic deposits to total assets | 85.7697% | 3,494 |
| Equity capital to assets | 10.2460% | 3,598 |
| Core capital (leverage) ratio | 10.0806% | 3,398 |
| Tier 1 risk-based capital ratio | 15.5395% | 3,459 |
| Total risk-based capital ratio | 16.7936% | 3,410 |
| Memoranda: | ||
| Average total assets | $521,828,330 | 1,283 |
| Average earning assets | $492,515,330 | 1,249 |
| Average equity | $54,015,330 | 1,332 |
| Average total loans | $314,596,670 | 1,348 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 2,012 |
| Cost of funding earning assets | 0.6353% | 2,790 |
| Net interest margin | 3.9072% | 2,098 |
| Noninterest income to average assets | 0.7267% | 2,445 |
| Noninterest expense to average assets | 2.8223% | 3,623 |
| Loan and lease loss provision to assets | 0.7990% | 271 |
| Net operating income to assets | 0.6087% | 4,173 |
| Return on assets (ROA) | 0.6262% | 4,249 |
| Pretax return on assets | 0.8157% | 4,112 |
| Return on Equity (ROE) | 6.0201% | 4,037 |
| Retained earnings to average equity (ytd only) | 3.1673% | 4,366 |
| Net charge-offs to loans | 1.2068% | 482 |
| Credit loss provision to net charge-offs | 110.4101% | 1,689 |
| Earnings coverage of net charge-offs (x) | 2.1998% | 3,102 |
| Efficiency ratio | 63.7821% | 5,042 |
| Assets per employee ($millions) | 3.7822% | 4,394 |
| Cash dividends to net income (ytd only)* | 47.3876% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 2,909 |
| Loan loss allowance to noncurrent loans | 30.7535% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 3.9163% | 1,037 |
| Noncurrent loans to loans | 5.6039% | 636 |
| Net loans and leases to total assets | 57.9566% | 3,782 |
| Net loans and leases to deposits | 67.6406% | 3,813 |
| Net loans and leases to core deposits | 71.9045% | 3,827 |
| Total domestic deposits to total assets | 85.6831% | 3,688 |
| Equity capital to assets | 10.3481% | 3,737 |
| Core capital (leverage) ratio | 9.9761% | 3,415 |
| Tier 1 risk-based capital ratio | 15.5544% | 3,501 |
| Total risk-based capital ratio | 16.8091% | 3,461 |
| Memoranda: | ||
| Average total assets | $525,670,500 | 1,287 |
| Average earning assets | $496,108,000 | 1,248 |
| Average equity | $54,683,500 | 1,333 |
| Average total loans | $315,201,500 | 1,348 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 2,249 |
| Cost of funding earning assets | 0.7719% | 2,900 |
| Net interest margin | 4.0139% | 2,340 |
| Noninterest income to average assets | 0.5439% | 3,623 |
| Noninterest expense to average assets | 2.9934% | 3,301 |
| Loan and lease loss provision to assets | 0.9440% | 454 |
| Net operating income to assets | 0.3046% | 5,453 |
| Return on assets (ROA) | 0.5814% | 4,586 |
| Pretax return on assets | 0.7348% | 4,541 |
| Return on Equity (ROE) | 5.5698% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.6022% | 4,399 |
| Net charge-offs to loans | 1.9979% | 364 |
| Credit loss provision to net charge-offs | 77.4214% | 3,916 |
| Earnings coverage of net charge-offs (x) | 1.0894% | 4,912 |
| Efficiency ratio | 69.0590% | 3,965 |
| Assets per employee ($millions) | 3.7540% | 4,458 |
| Cash dividends to net income (ytd only)* | 53.2803% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 2,991 |
| Loan loss allowance to noncurrent loans | 25.6224% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 4.6758% | 871 |
| Noncurrent loans to loans | 6.5737% | 503 |
| Net loans and leases to total assets | 59.9526% | 3,610 |
| Net loans and leases to deposits | 70.5815% | 3,624 |
| Net loans and leases to core deposits | 75.2058% | 3,634 |
| Total domestic deposits to total assets | 84.9410% | 3,890 |
| Equity capital to assets | 10.4588% | 3,574 |
| Core capital (leverage) ratio | 10.2772% | 3,040 |
| Tier 1 risk-based capital ratio | 15.5633% | 3,390 |
| Total risk-based capital ratio | 16.8177% | 3,349 |
| Memoranda: | ||
| Average total assets | $519,074,400 | 1,286 |
| Average earning assets | $488,557,200 | 1,246 |
| Average equity | $54,184,600 | 1,315 |
| Average total loans | $316,784,600 | 1,326 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 2,215 |
| Cost of funding earning assets | 0.7928% | 3,007 |
| Net interest margin | 4.0526% | 2,281 |
| Noninterest income to average assets | 0.5104% | 3,854 |
| Noninterest expense to average assets | 3.0279% | 3,140 |
| Loan and lease loss provision to assets | 0.9884% | 416 |
| Net operating income to assets | 0.2427% | 5,802 |
| Return on assets (ROA) | 0.6069% | 4,620 |
| Pretax return on assets | 0.7759% | 4,574 |
| Return on Equity (ROE) | 5.8169% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.8494% | 4,841 |
| Net charge-offs to loans | 1.9389% | 385 |
| Credit loss provision to net charge-offs | 83.5141% | 3,509 |
| Earnings coverage of net charge-offs (x) | 1.0961% | 4,754 |
| Efficiency ratio | 69.7988% | 3,729 |
| Assets per employee ($millions) | 3.6504% | 4,656 |
| Cash dividends to net income (ytd only)* | 51.0153% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9532% | 2,316 |
| Loan loss allowance to noncurrent loans | 29.1059% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 4.7855% | 944 |
| Noncurrent loans to loans | 6.7107% | 559 |
| Net loans and leases to total assets | 59.2589% | 3,920 |
| Net loans and leases to deposits | 71.6070% | 3,662 |
| Net loans and leases to core deposits | 75.3887% | 3,803 |
| Total domestic deposits to total assets | 82.7557% | 4,740 |
| Equity capital to assets | 10.7901% | 3,515 |
| Core capital (leverage) ratio | 10.2551% | 3,214 |
| Tier 1 risk-based capital ratio | 15.9062% | 3,322 |
| Total risk-based capital ratio | 17.1637% | 3,286 |
| Memoranda: | ||
| Average total assets | $519,329,500 | 1,303 |
| Average earning assets | $488,862,750 | 1,259 |
| Average equity | $54,185,250 | 1,326 |
| Average total loans | $317,003,750 | 1,340 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 2,190 |
| Cost of funding earning assets | 0.8074% | 3,133 |
| Net interest margin | 4.0727% | 2,198 |
| Noninterest income to average assets | 0.6646% | 2,870 |
| Noninterest expense to average assets | 3.0422% | 3,117 |
| Loan and lease loss provision to assets | 1.0701% | 407 |
| Net operating income to assets | 0.3041% | 5,604 |
| Return on assets (ROA) | 0.5756% | 4,742 |
| Pretax return on assets | 0.7265% | 4,748 |
| Return on Equity (ROE) | 5.5781% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.6001% | 4,886 |
| Net charge-offs to loans | 2.0016% | 417 |
| Credit loss provision to net charge-offs | 87.3090% | 3,124 |
| Earnings coverage of net charge-offs (x) | 1.1855% | 4,416 |
| Efficiency ratio | 67.4800% | 4,238 |
| Assets per employee ($millions) | 3.6433% | 4,654 |
| Cash dividends to net income (ytd only)* | 53.3865% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0213% | 2,174 |
| Loan loss allowance to noncurrent loans | 31.5415% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 4.9123% | 979 |
| Noncurrent loans to loans | 6.4084% | 663 |
| Net loans and leases to total assets | 60.2793% | 3,772 |
| Net loans and leases to deposits | 72.6314% | 3,511 |
| Net loans and leases to core deposits | 75.4375% | 3,827 |
| Total domestic deposits to total assets | 82.9934% | 4,757 |
| Equity capital to assets | 10.6589% | 3,501 |
| Core capital (leverage) ratio | 9.8751% | 3,615 |
| Tier 1 risk-based capital ratio | 15.4364% | 3,485 |
| Total risk-based capital ratio | 16.6949% | 3,441 |
| Memoranda: | ||
| Average total assets | $523,303,000 | 1,294 |
| Average earning assets | $492,207,000 | 1,250 |
| Average equity | $53,997,000 | 1,319 |
| Average total loans | $320,446,670 | 1,323 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8691% | 2,356 |
| Cost of funding earning assets | 0.8320% | 3,208 |
| Net interest margin | 4.0371% | 2,344 |
| Noninterest income to average assets | 0.6642% | 2,843 |
| Noninterest expense to average assets | 2.9053% | 3,599 |
| Loan and lease loss provision to assets | 0.8303% | 577 |
| Net operating income to assets | 0.5729% | 4,478 |
| Return on assets (ROA) | 0.5729% | 4,702 |
| Pretax return on assets | 0.7231% | 4,716 |
| Return on Equity (ROE) | 5.6419% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.6537% | 4,930 |
| Net charge-offs to loans | 1.8458% | 515 |
| Credit loss provision to net charge-offs | 73.6278% | 2,849 |
| Earnings coverage of net charge-offs (x) | 1.3775% | 3,639 |
| Efficiency ratio | 64.9568% | 4,743 |
| Assets per employee ($millions) | 3.8544% | 4,303 |
| Cash dividends to net income (ytd only)* | 52.9644% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 2,369 |
| Loan loss allowance to noncurrent loans | 29.0946% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 5.0780% | 1,016 |
| Noncurrent loans to loans | 6.8598% | 664 |
| Net loans and leases to total assets | 57.8385% | 4,062 |
| Net loans and leases to deposits | 68.8464% | 3,898 |
| Net loans and leases to core deposits | 73.0665% | 4,011 |
| Total domestic deposits to total assets | 84.0109% | 4,485 |
| Equity capital to assets | 10.0132% | 4,111 |
| Core capital (leverage) ratio | 9.6287% | 3,875 |
| Tier 1 risk-based capital ratio | 14.8019% | 3,890 |
| Total risk-based capital ratio | 16.0597% | 3,846 |
| Memoranda: | ||
| Average total assets | $529,923,500 | 1,277 |
| Average earning assets | $498,075,000 | 1,235 |
| Average equity | $53,812,000 | 1,314 |
| Average total loans | $323,767,500 | 1,308 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 1,618 |
| Cost of funding earning assets | 1.1075% | 2,619 |
| Net interest margin | 4.2244% | 1,979 |
| Noninterest income to average assets | 0.7053% | 2,574 |
| Noninterest expense to average assets | 2.9179% | 3,888 |
| Loan and lease loss provision to assets | 1.2478% | 679 |
| Net operating income to assets | 0.4171% | 4,785 |
| Return on assets (ROA) | 0.4872% | 4,686 |
| Pretax return on assets | 0.5958% | 4,708 |
| Return on Equity (ROE) | 4.9331% | 4,425 |
| Retained earnings to average equity (ytd only) | 1.6255% | 5,052 |
| Net charge-offs to loans | 1.4184% | 1,152 |
| Credit loss provision to net charge-offs | 137.5745% | 2,158 |
| Earnings coverage of net charge-offs (x) | 1.9385% | 4,319 |
| Efficiency ratio | 62.1681% | 5,434 |
| Assets per employee ($millions) | 3.6636% | 4,634 |
| Cash dividends to net income (ytd only)* | 67.0494% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 2,124 |
| Loan loss allowance to noncurrent loans | 28.6211% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 5.7000% | 886 |
| Noncurrent loans to loans | 7.1668% | 611 |
| Net loans and leases to total assets | 61.9577% | 3,606 |
| Net loans and leases to deposits | 74.4384% | 3,427 |
| Net loans and leases to core deposits | 79.5816% | 3,500 |
| Total domestic deposits to total assets | 83.2335% | 4,656 |
| Equity capital to assets | 10.3014% | 3,782 |
| Core capital (leverage) ratio | 9.7571% | 3,661 |
| Tier 1 risk-based capital ratio | 14.3362% | 4,086 |
| Total risk-based capital ratio | 15.5948% | 4,051 |
| Memoranda: | ||
| Average total assets | $536,383,200 | 1,244 |
| Average earning assets | $504,192,200 | 1,201 |
| Average equity | $52,968,400 | 1,282 |
| Average total loans | $342,990,200 | 1,237 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4488% | 1,394 |
| Cost of funding earning assets | 1.1590% | 2,575 |
| Net interest margin | 4.2898% | 1,756 |
| Noninterest income to average assets | 0.7443% | 2,348 |
| Noninterest expense to average assets | 2.9300% | 3,801 |
| Loan and lease loss provision to assets | 1.1514% | 693 |
| Net operating income to assets | 0.5373% | 4,374 |
| Return on assets (ROA) | 0.5973% | 4,280 |
| Pretax return on assets | 0.7754% | 4,213 |
| Return on Equity (ROE) | 6.1120% | 3,971 |
| Retained earnings to average equity (ytd only) | 2.7947% | 4,683 |
| Net charge-offs to loans | 1.1991% | 1,308 |
| Credit loss provision to net charge-offs | 149.7754% | 2,099 |
| Earnings coverage of net charge-offs (x) | 2.4050% | 3,921 |
| Efficiency ratio | 61.0893% | 5,548 |
| Assets per employee ($millions) | 3.6462% | 4,652 |
| Cash dividends to net income (ytd only)* | 54.2752% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 2,571 |
| Loan loss allowance to noncurrent loans | 44.6907% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.8330% | 1,615 |
| Noncurrent loans to loans | 4.2895% | 1,528 |
| Net loans and leases to total assets | 63.0775% | 3,493 |
| Net loans and leases to deposits | 75.6664% | 3,379 |
| Net loans and leases to core deposits | 81.0375% | 3,481 |
| Total domestic deposits to total assets | 83.3626% | 4,533 |
| Equity capital to assets | 10.4950% | 3,710 |
| Core capital (leverage) ratio | 9.6373% | 3,936 |
| Tier 1 risk-based capital ratio | 14.1854% | 4,213 |
| Total risk-based capital ratio | 15.4426% | 4,175 |
| Memoranda: | ||
| Average total assets | $540,421,750 | 1,228 |
| Average earning assets | $508,259,250 | 1,193 |
| Average equity | $52,812,750 | 1,292 |
| Average total loans | $346,469,750 | 1,239 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4863% | 1,330 |
| Cost of funding earning assets | 1.1999% | 2,588 |
| Net interest margin | 4.2864% | 1,716 |
| Noninterest income to average assets | 0.7512% | 2,254 |
| Noninterest expense to average assets | 2.8735% | 4,132 |
| Loan and lease loss provision to assets | 1.1053% | 738 |
| Net operating income to assets | 0.6141% | 3,989 |
| Return on assets (ROA) | 0.6141% | 4,121 |
| Pretax return on assets | 0.8047% | 4,011 |
| Return on Equity (ROE) | 6.4362% | 3,735 |
| Retained earnings to average equity (ytd only) | 3.0702% | 4,320 |
| Net charge-offs to loans | 0.6634% | 2,178 |
| Credit loss provision to net charge-offs | 260.1381% | 1,169 |
| Earnings coverage of net charge-offs (x) | 4.4953% | 2,851 |
| Efficiency ratio | 59.8483% | 5,895 |
| Assets per employee ($millions) | 3.7228% | 4,376 |
| Cash dividends to net income (ytd only)* | 52.2985% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9533% | 2,498 |
| Loan loss allowance to noncurrent loans | 77.6848% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.5933% | 2,564 |
| Noncurrent loans to loans | 2.5144% | 2,873 |
| Net loans and leases to total assets | 63.9090% | 3,483 |
| Net loans and leases to deposits | 76.1522% | 3,438 |
| Net loans and leases to core deposits | 81.3655% | 3,599 |
| Total domestic deposits to total assets | 83.9227% | 4,383 |
| Equity capital to assets | 10.0457% | 4,083 |
| Core capital (leverage) ratio | 9.2157% | 4,378 |
| Tier 1 risk-based capital ratio | 13.8058% | 4,302 |
| Total risk-based capital ratio | 15.0637% | 4,269 |
| Memoranda: | ||
| Average total assets | $545,545,330 | 1,228 |
| Average earning assets | $513,204,670 | 1,187 |
| Average equity | $52,049,000 | 1,291 |
| Average total loans | $349,405,670 | 1,239 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4085% | 1,532 |
| Cost of funding earning assets | 1.2763% | 2,329 |
| Net interest margin | 4.1323% | 2,146 |
| Noninterest income to average assets | 0.7665% | 2,181 |
| Noninterest expense to average assets | 2.8710% | 4,185 |
| Loan and lease loss provision to assets | 0.5484% | 1,578 |
| Net operating income to assets | 0.8766% | 2,675 |
| Return on assets (ROA) | 0.8766% | 2,732 |
| Pretax return on assets | 1.2338% | 2,257 |
| Return on Equity (ROE) | 9.4285% | 2,304 |
| Retained earnings to average equity (ytd only) | 6.0156% | 2,624 |
| Net charge-offs to loans | 0.4849% | 2,258 |
| Credit loss provision to net charge-offs | 178.1176% | 1,644 |
| Earnings coverage of net charge-offs (x) | 5.7882% | 2,211 |
| Efficiency ratio | 61.4822% | 5,762 |
| Assets per employee ($millions) | 3.8221% | 4,255 |
| Cash dividends to net income (ytd only)* | 36.1983% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 4,123 |
| Loan loss allowance to noncurrent loans | 59.5354% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.5782% | 2,652 |
| Noncurrent loans to loans | 2.5485% | 2,937 |
| Net loans and leases to total assets | 61.1124% | 4,054 |
| Net loans and leases to deposits | 72.0231% | 4,075 |
| Net loans and leases to core deposits | 77.4975% | 4,089 |
| Total domestic deposits to total assets | 84.8512% | 4,109 |
| Equity capital to assets | 9.3366% | 4,670 |
| Core capital (leverage) ratio | 9.0239% | 4,578 |
| Tier 1 risk-based capital ratio | 13.4475% | 4,461 |
| Total risk-based capital ratio | 14.6996% | 4,444 |
| Memoranda: | ||
| Average total assets | $552,135,500 | 1,223 |
| Average earning assets | $519,326,000 | 1,182 |
| Average equity | $51,333,500 | 1,300 |
| Average total loans | $350,605,000 | 1,250 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7388% | 1,441 |
| Cost of funding earning assets | 1.4631% | 2,876 |
| Net interest margin | 4.2758% | 1,902 |
| Noninterest income to average assets | 0.8082% | 2,244 |
| Noninterest expense to average assets | 2.9346% | 4,092 |
| Loan and lease loss provision to assets | 0.6994% | 2,343 |
| Net operating income to assets | 0.8228% | 2,704 |
| Return on assets (ROA) | 0.8661% | 2,669 |
| Pretax return on assets | 1.2630% | 2,032 |
| Return on Equity (ROE) | 8.9889% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.1926% | 2,311 |
| Net charge-offs to loans | 0.7576% | 2,744 |
| Credit loss provision to net charge-offs | 136.1607% | 2,828 |
| Earnings coverage of net charge-offs (x) | 3.6983% | 3,232 |
| Efficiency ratio | 60.4182% | 5,987 |
| Assets per employee ($millions) | 3.6416% | 4,601 |
| Cash dividends to net income (ytd only)* | 42.2330% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 4,578 |
| Loan loss allowance to noncurrent loans | 55.1794% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.2378% | 3,041 |
| Noncurrent loans to loans | 2.5132% | 3,016 |
| Net loans and leases to total assets | 64.0758% | 3,861 |
| Net loans and leases to deposits | 75.7642% | 3,880 |
| Net loans and leases to core deposits | 81.7655% | 3,938 |
| Total domestic deposits to total assets | 84.5727% | 4,066 |
| Equity capital to assets | 9.2571% | 4,743 |
| Core capital (leverage) ratio | 9.2477% | 4,093 |
| Tier 1 risk-based capital ratio | 13.0357% | 4,577 |
| Total risk-based capital ratio | 14.2865% | 4,534 |
| Memoranda: | ||
| Average total assets | $523,279,800 | 1,277 |
| Average earning assets | $492,729,800 | 1,250 |
| Average equity | $50,418,000 | 1,322 |
| Average total loans | $354,803,600 | 1,263 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8124% | 1,356 |
| Cost of funding earning assets | 1.4951% | 3,011 |
| Net interest margin | 4.3173% | 1,787 |
| Noninterest income to average assets | 0.8236% | 2,111 |
| Noninterest expense to average assets | 2.9145% | 4,032 |
| Loan and lease loss provision to assets | 0.7072% | 2,166 |
| Net operating income to assets | 0.8675% | 2,752 |
| Return on assets (ROA) | 0.8695% | 2,874 |
| Pretax return on assets | 1.2688% | 2,261 |
| Return on Equity (ROE) | 8.9317% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.0256% | 2,973 |
| Net charge-offs to loans | 0.7994% | 2,444 |
| Credit loss provision to net charge-offs | 129.0550% | 3,146 |
| Earnings coverage of net charge-offs (x) | 3.6008% | 3,380 |
| Efficiency ratio | 59.3454% | 6,058 |
| Assets per employee ($millions) | 3.6216% | 4,684 |
| Cash dividends to net income (ytd only)* | 43.7333% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 5,072 |
| Loan loss allowance to noncurrent loans | 56.1386% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.1260% | 3,297 |
| Noncurrent loans to loans | 2.2762% | 3,357 |
| Net loans and leases to total assets | 67.2061% | 3,408 |
| Net loans and leases to deposits | 80.3252% | 3,391 |
| Net loans and leases to core deposits | 90.9824% | 2,955 |
| Total domestic deposits to total assets | 83.6675% | 4,284 |
| Equity capital to assets | 9.9433% | 4,229 |
| Core capital (leverage) ratio | 9.3295% | 4,167 |
| Tier 1 risk-based capital ratio | 13.1047% | 4,501 |
| Total risk-based capital ratio | 14.3482% | 4,473 |
| Memoranda: | ||
| Average total assets | $517,540,000 | 1,301 |
| Average earning assets | $487,173,750 | 1,277 |
| Average equity | $50,381,000 | 1,331 |
| Average total loans | $354,772,250 | 1,279 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7830% | 1,469 |
| Cost of funding earning assets | 1.5079% | 3,212 |
| Net interest margin | 4.2751% | 1,868 |
| Noninterest income to average assets | 0.8633% | 1,825 |
| Noninterest expense to average assets | 2.9366% | 3,934 |
| Loan and lease loss provision to assets | 0.7107% | 2,047 |
| Net operating income to assets | 0.8508% | 2,728 |
| Return on assets (ROA) | 0.8532% | 2,868 |
| Pretax return on assets | 1.2415% | 2,285 |
| Return on Equity (ROE) | 8.8287% | 2,537 |
| Retained earnings to average equity (ytd only) | 4.6575% | 3,107 |
| Net charge-offs to loans | 0.8529% | 2,124 |
| Credit loss provision to net charge-offs | 121.2724% | 3,340 |
| Earnings coverage of net charge-offs (x) | 3.3254% | 3,366 |
| Efficiency ratio | 59.8251% | 6,075 |
| Assets per employee ($millions) | 3.6042% | 4,686 |
| Cash dividends to net income (ytd only)* | 47.2462% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,500 |
| Loan loss allowance to noncurrent loans | 42.1203% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 2.5146% | 2,870 |
| Noncurrent loans to loans | 2.8284% | 2,830 |
| Net loans and leases to total assets | 68.2532% | 3,300 |
| Net loans and leases to deposits | 81.4083% | 3,360 |
| Net loans and leases to core deposits | 93.2507% | 2,817 |
| Total domestic deposits to total assets | 83.8405% | 4,180 |
| Equity capital to assets | 9.7979% | 4,268 |
| Core capital (leverage) ratio | 9.1711% | 4,340 |
| Tier 1 risk-based capital ratio | 12.7835% | 4,618 |
| Total risk-based capital ratio | 13.9358% | 4,678 |
| Memoranda: | ||
| Average total assets | $515,011,670 | 1,310 |
| Average earning assets | $484,526,670 | 1,285 |
| Average equity | $49,769,670 | 1,344 |
| Average total loans | $353,868,330 | 1,298 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6422% | 1,980 |
| Cost of funding earning assets | 1.5041% | 3,530 |
| Net interest margin | 4.1381% | 2,277 |
| Noninterest income to average assets | 0.9232% | 1,543 |
| Noninterest expense to average assets | 2.9216% | 3,978 |
| Loan and lease loss provision to assets | 0.7134% | 1,788 |
| Net operating income to assets | 0.8134% | 2,907 |
| Return on assets (ROA) | 0.8156% | 2,996 |
| Pretax return on assets | 1.1805% | 2,435 |
| Return on Equity (ROE) | 8.4991% | 2,664 |
| Retained earnings to average equity (ytd only) | 3.6239% | 3,979 |
| Net charge-offs to loans | 1.0491% | 1,579 |
| Credit loss provision to net charge-offs | 99.2408% | 3,466 |
| Earnings coverage of net charge-offs (x) | 2.6302% | 3,224 |
| Efficiency ratio | 60.4180% | 6,094 |
| Assets per employee ($millions) | 3.6078% | 4,799 |
| Cash dividends to net income (ytd only)* | 57.3614% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,908 |
| Loan loss allowance to noncurrent loans | 34.5604% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 2.8813% | 2,497 |
| Noncurrent loans to loans | 3.2430% | 2,462 |
| Net loans and leases to total assets | 66.4958% | 3,751 |
| Net loans and leases to deposits | 78.9388% | 3,848 |
| Net loans and leases to core deposits | 99.3001% | 2,200 |
| Total domestic deposits to total assets | 84.2372% | 4,025 |
| Equity capital to assets | 9.4818% | 4,560 |
| Core capital (leverage) ratio | 9.2424% | 4,153 |
| Tier 1 risk-based capital ratio | 12.6107% | 4,636 |
| Total risk-based capital ratio | 13.6766% | 4,759 |
| Memoranda: | ||
| Average total assets | $513,013,000 | 1,353 |
| Average earning assets | $482,148,500 | 1,322 |
| Average equity | $49,228,500 | 1,362 |
| Average total loans | $351,547,000 | 1,345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1019% | 1,511 |
| Cost of funding earning assets | 1.7427% | 4,290 |
| Net interest margin | 4.3592% | 1,547 |
| Noninterest income to average assets | 0.7710% | 2,552 |
| Noninterest expense to average assets | 3.1607% | 3,508 |
| Loan and lease loss provision to assets | 0.5264% | 3,740 |
| Net operating income to assets | 0.8115% | 2,488 |
| Return on assets (ROA) | 0.8548% | 2,411 |
| Pretax return on assets | 1.2230% | 1,897 |
| Return on Equity (ROE) | 8.6408% | 2,155 |
| Retained earnings to average equity (ytd only) | 5.2041% | 1,714 |
| Net charge-offs to loans | 0.5700% | 3,511 |
| Credit loss provision to net charge-offs | 128.7487% | 4,000 |
| Earnings coverage of net charge-offs (x) | 4.1277% | 3,047 |
| Efficiency ratio | 64.7931% | 5,623 |
| Assets per employee ($millions) | 3.4444% | 5,142 |
| Cash dividends to net income (ytd only)* | 39.7724% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,781 |
| Loan loss allowance to noncurrent loans | 30.3543% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 3.1973% | 2,152 |
| Noncurrent loans to loans | 3.7044% | 2,031 |
| Net loans and leases to total assets | 69.0683% | 3,469 |
| Net loans and leases to deposits | 82.6347% | 3,513 |
| Net loans and leases to core deposits | 121.0787% | 1,876 |
| Total domestic deposits to total assets | 83.5826% | 4,242 |
| Equity capital to assets | 9.7147% | 4,128 |
| Core capital (leverage) ratio | 9.7365% | 3,404 |
| Tier 1 risk-based capital ratio | 12.4798% | 4,545 |
| Total risk-based capital ratio | 13.5471% | 4,648 |
| Memoranda: | ||
| Average total assets | $472,999,800 | 1,474 |
| Average earning assets | $442,419,200 | 1,421 |
| Average equity | $46,789,600 | 1,442 |
| Average total loans | $339,294,000 | 1,425 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1587% | 1,476 |
| Cost of funding earning assets | 1.8188% | 4,296 |
| Net interest margin | 4.3400% | 1,618 |
| Noninterest income to average assets | 0.8598% | 2,151 |
| Noninterest expense to average assets | 3.2181% | 3,239 |
| Loan and lease loss provision to assets | 0.4081% | 3,876 |
| Net operating income to assets | 0.8963% | 2,435 |
| Return on assets (ROA) | 0.9093% | 2,459 |
| Pretax return on assets | 1.3063% | 1,943 |
| Return on Equity (ROE) | 9.1483% | 2,214 |
| Retained earnings to average equity (ytd only) | 5.6734% | 2,116 |
| Net charge-offs to loans | 0.4417% | 3,475 |
| Credit loss provision to net charge-offs | 127.9174% | 3,921 |
| Earnings coverage of net charge-offs (x) | 5.3151% | 2,861 |
| Efficiency ratio | 65.0930% | 5,535 |
| Assets per employee ($millions) | 3.2620% | 5,492 |
| Cash dividends to net income (ytd only)* | 37.9842% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,916 |
| Loan loss allowance to noncurrent loans | 29.4305% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 3.5561% | 1,858 |
| Noncurrent loans to loans | 3.6289% | 2,059 |
| Net loans and leases to total assets | 72.5615% | 2,900 |
| Net loans and leases to deposits | 91.7970% | 2,267 |
| Net loans and leases to core deposits | 136.1476% | 1,090 |
| Total domestic deposits to total assets | 79.0456% | 5,785 |
| Equity capital to assets | 10.2255% | 3,817 |
| Core capital (leverage) ratio | 9.7834% | 3,535 |
| Tier 1 risk-based capital ratio | 12.4915% | 4,546 |
| Total risk-based capital ratio | 13.5042% | 4,685 |
| Memoranda: | ||
| Average total assets | $465,527,750 | 1,499 |
| Average earning assets | $434,862,750 | 1,466 |
| Average equity | $46,273,500 | 1,476 |
| Average total loans | $336,296,000 | 1,454 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1397% | 1,649 |
| Cost of funding earning assets | 1.9017% | 4,258 |
| Net interest margin | 4.2380% | 1,855 |
| Noninterest income to average assets | 0.7736% | 2,563 |
| Noninterest expense to average assets | 3.1816% | 3,386 |
| Loan and lease loss provision to assets | 0.3499% | 3,828 |
| Net operating income to assets | 0.8442% | 2,677 |
| Return on assets (ROA) | 0.8639% | 2,700 |
| Pretax return on assets | 1.2249% | 2,232 |
| Return on Equity (ROE) | 8.7765% | 2,434 |
| Retained earnings to average equity (ytd only) | 5.2483% | 2,370 |
| Net charge-offs to loans | 0.3167% | 3,604 |
| Credit loss provision to net charge-offs | 153.7002% | 2,993 |
| Earnings coverage of net charge-offs (x) | 6.7970% | 2,543 |
| Efficiency ratio | 66.8707% | 5,389 |
| Assets per employee ($millions) | 3.1978% | 5,591 |
| Cash dividends to net income (ytd only)* | 40.2000% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,740 |
| Loan loss allowance to noncurrent loans | 30.3033% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 3.1571% | 1,991 |
| Noncurrent loans to loans | 3.5605% | 1,967 |
| Net loans and leases to total assets | 72.2063% | 3,161 |
| Net loans and leases to deposits | 89.2610% | 2,940 |
| Net loans and leases to core deposits | 129.2265% | 1,631 |
| Total domestic deposits to total assets | 80.8934% | 5,115 |
| Equity capital to assets | 9.8651% | 4,128 |
| Core capital (leverage) ratio | 9.6426% | 3,715 |
| Tier 1 risk-based capital ratio | 12.7014% | 4,359 |
| Total risk-based capital ratio | 13.7415% | 4,450 |
| Memoranda: | ||
| Average total assets | $463,042,000 | 1,534 |
| Average earning assets | $432,140,000 | 1,497 |
| Average equity | $45,576,330 | 1,511 |
| Average total loans | $332,758,000 | 1,499 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2083% | 1,569 |
| Cost of funding earning assets | 2.0029% | 4,113 |
| Net interest margin | 4.2054% | 1,874 |
| Noninterest income to average assets | 0.8744% | 1,966 |
| Noninterest expense to average assets | 3.0014% | 3,760 |
| Loan and lease loss provision to assets | 0.3513% | 3,207 |
| Net operating income to assets | 0.9893% | 2,356 |
| Return on assets (ROA) | 0.9941% | 2,471 |
| Pretax return on assets | 1.4374% | 1,856 |
| Return on Equity (ROE) | 10.1114% | 2,277 |
| Retained earnings to average equity (ytd only) | 6.5645% | 2,392 |
| Net charge-offs to loans | 0.2713% | 3,039 |
| Credit loss provision to net charge-offs | 181.6143% | 2,398 |
| Earnings coverage of net charge-offs (x) | 9.2108% | 2,088 |
| Efficiency ratio | 62.3322% | 5,996 |
| Assets per employee ($millions) | 3.3124% | 5,294 |
| Cash dividends to net income (ytd only)* | 35.0785% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 5,639 |
| Loan loss allowance to noncurrent loans | 39.4615% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 2.5453% | 2,255 |
| Noncurrent loans to loans | 2.7279% | 2,403 |
| Net loans and leases to total assets | 70.3614% | 3,597 |
| Net loans and leases to deposits | 86.1366% | 3,603 |
| Net loans and leases to core deposits | 123.7121% | 2,102 |
| Total domestic deposits to total assets | 81.6858% | 4,685 |
| Equity capital to assets | 9.8443% | 4,189 |
| Core capital (leverage) ratio | 9.6934% | 3,766 |
| Tier 1 risk-based capital ratio | 12.8316% | 4,303 |
| Total risk-based capital ratio | 13.8643% | 4,381 |
| Memoranda: | ||
| Average total assets | $461,120,000 | 1,548 |
| Average earning assets | $428,588,500 | 1,517 |
| Average equity | $45,335,000 | 1,520 |
| Average total loans | $328,738,000 | 1,527 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0839% | 941 |
| Cost of funding earning assets | 2.4751% | 4,333 |
| Net interest margin | 4.6088% | 1,156 |
| Noninterest income to average assets | 1.0902% | 1,324 |
| Noninterest expense to average assets | 3.0444% | 3,925 |
| Loan and lease loss provision to assets | 0.3547% | 3,561 |
| Net operating income to assets | 1.2724% | 1,561 |
| Return on assets (ROA) | 1.2900% | 1,467 |
| Pretax return on assets | 1.9509% | 692 |
| Return on Equity (ROE) | 13.2040% | 1,282 |
| Retained earnings to average equity (ytd only) | 9.3555% | 545 |
| Net charge-offs to loans | 0.4561% | 2,551 |
| Credit loss provision to net charge-offs | 110.1459% | 4,896 |
| Earnings coverage of net charge-offs (x) | 7.0764% | 3,195 |
| Efficiency ratio | 56.6972% | 6,912 |
| Assets per employee ($millions) | 3.2283% | 5,404 |
| Cash dividends to net income (ytd only)* | 29.1464% | 4,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 5,679 |
| Loan loss allowance to noncurrent loans | 57.5840% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9245% | 2,551 |
| Noncurrent loans to loans | 1.8120% | 3,045 |
| Net loans and leases to total assets | 70.7140% | 3,851 |
| Net loans and leases to deposits | 86.3336% | 4,067 |
| Net loans and leases to core deposits | 122.5051% | 2,450 |
| Total domestic deposits to total assets | 81.9079% | 4,238 |
| Equity capital to assets | 9.8184% | 4,267 |
| Core capital (leverage) ratio | 9.8156% | 3,631 |
| Tier 1 risk-based capital ratio | 12.6542% | 4,318 |
| Total risk-based capital ratio | 13.6378% | 4,412 |
| Memoranda: | ||
| Average total assets | $446,818,600 | 1,536 |
| Average earning assets | $410,412,000 | 1,524 |
| Average equity | $43,653,600 | 1,545 |
| Average total loans | $315,475,600 | 1,534 |