Home > The First National Bank of Carmi > Performance and Condition Ratios
The First National Bank of Carmi, 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 | 5.4652% | 1,211 |
| Cost of funding earning assets | 1.1308% | 2,984 |
| Net interest margin | 4.3343% | 768 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.6517% | 1,867 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.4045% | 1,210 |
| Return on assets (ROA) | 1.4045% | 1,186 |
| Pretax return on assets | 1.8423% | 839 |
| Return on Equity (ROE) | 15.2300% | 1,244 |
| Retained earnings to average equity (ytd only) | 11.5371% | 693 |
| Net charge-offs to loans | -0.0166% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.9082% | 3,304 |
| Assets per employee ($millions) | 6.5401% | 2,392 |
| Cash dividends to net income (ytd only)* | 24.2278% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 1,532 |
| Loan loss allowance to noncurrent loans | 244.9960% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 1,395 |
| Noncurrent loans to loans | 0.5568% | 1,405 |
| Net loans and leases to total assets | 69.6000% | 1,854 |
| Net loans and leases to deposits | 80.0985% | 2,099 |
| Net loans and leases to core deposits | 81.4036% | 2,626 |
| Total domestic deposits to total assets | 86.8900% | 1,718 |
| Equity capital to assets | 9.7091% | 2,193 |
| Core capital (leverage) ratio | 9.6935% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4951% | 2,067 |
| Memoranda: | ||
| Average total assets | $620,099,200 | 1,437 |
| Average earning assets | $578,062,000 | 1,425 |
| Average equity | $57,198,200 | 1,441 |
| Average total loans | $438,595,600 | 1,373 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 998 |
| Cost of funding earning assets | 1.0074% | 3,013 |
| Net interest margin | 4.5083% | 609 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.7018% | 1,652 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.4149% | 1,287 |
| Return on assets (ROA) | 1.4149% | 1,270 |
| Pretax return on assets | 1.9153% | 844 |
| Return on Equity (ROE) | 15.5500% | 1,333 |
| Retained earnings to average equity (ytd only) | 11.6621% | 1,029 |
| Net charge-offs to loans | -0.0107% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.2732% | 3,286 |
| Assets per employee ($millions) | 6.2459% | 2,530 |
| Cash dividends to net income (ytd only)* | 25.0115% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,397 |
| Loan loss allowance to noncurrent loans | 299.5696% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 1,649 |
| Noncurrent loans to loans | 0.4722% | 1,644 |
| Net loans and leases to total assets | 72.0600% | 1,565 |
| Net loans and leases to deposits | 82.5949% | 1,861 |
| Net loans and leases to core deposits | 83.3566% | 2,370 |
| Total domestic deposits to total assets | 87.2500% | 1,816 |
| Equity capital to assets | 9.7179% | 1,984 |
| Core capital (leverage) ratio | 9.7537% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2727% | 2,174 |
| Memoranda: | ||
| Average total assets | $614,890,750 | 1,447 |
| Average earning assets | $573,208,250 | 1,435 |
| Average equity | $55,940,500 | 1,454 |
| Average total loans | $435,178,250 | 1,375 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 2,004 |
| Cost of funding earning assets | 0.8855% | 2,973 |
| Net interest margin | 3.9082% | 1,413 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.7477% | 1,532 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9794% | 2,484 |
| Return on assets (ROA) | 0.9794% | 2,474 |
| Pretax return on assets | 1.3193% | 2,022 |
| Return on Equity (ROE) | 11.0100% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.1904% | 2,227 |
| Net charge-offs to loans | -0.0328% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0165% | 2,235 |
| Assets per employee ($millions) | 6.0053% | 2,705 |
| Cash dividends to net income (ytd only)* | 34.6993% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,475 |
| Loan loss allowance to noncurrent loans | 69.8670% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.4631% | 247 |
| Noncurrent loans to loans | 2.0235% | 274 |
| Net loans and leases to total assets | 71.2800% | 1,609 |
| Net loans and leases to deposits | 78.9394% | 2,051 |
| Net loans and leases to core deposits | 79.4997% | 2,507 |
| Total domestic deposits to total assets | 90.3000% | 841 |
| Equity capital to assets | 9.1805% | 2,389 |
| Core capital (leverage) ratio | 8.8956% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3439% | 2,525 |
| Memoranda: | ||
| Average total assets | $617,904,667 | 1,437 |
| Average earning assets | $576,376,667 | 1,428 |
| Average equity | $54,962,000 | 1,482 |
| Average total loans | $432,621,000 | 1,368 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 1,899 |
| Cost of funding earning assets | 0.7596% | 2,873 |
| Net interest margin | 3.9196% | 1,436 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.7371% | 1,578 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.9372% | 2,729 |
| Return on assets (ROA) | 0.9372% | 2,685 |
| Pretax return on assets | 1.2714% | 2,256 |
| Return on Equity (ROE) | 10.7000% | 2,579 |
| Retained earnings to average equity (ytd only) | 6.4907% | 2,647 |
| Net charge-offs to loans | -0.0158% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.2135% | 2,184 |
| Assets per employee ($millions) | 6.3687% | 2,438 |
| Cash dividends to net income (ytd only)* | 39.3566% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,566 |
| Loan loss allowance to noncurrent loans | 70.0080% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3924% | 248 |
| Noncurrent loans to loans | 2.0221% | 272 |
| Net loans and leases to total assets | 67.8800% | 1,851 |
| Net loans and leases to deposits | 74.9500% | 2,218 |
| Net loans and leases to core deposits | 75.4982% | 2,571 |
| Total domestic deposits to total assets | 90.5700% | 955 |
| Equity capital to assets | 8.7492% | 2,698 |
| Core capital (leverage) ratio | 8.4109% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1457% | 2,683 |
| Memoranda: | ||
| Average total assets | $623,589,000 | 1,448 |
| Average earning assets | $581,386,000 | 1,440 |
| Average equity | $54,601,500 | 1,500 |
| Average total loans | $429,656,000 | 1,388 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 2,645 |
| Cost of funding earning assets | 0.2416% | 3,400 |
| Net interest margin | 3.4169% | 2,195 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 3.2487% | 676 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5823% | 3,920 |
| Return on assets (ROA) | 0.5823% | 3,885 |
| Pretax return on assets | 0.7996% | 3,624 |
| Return on Equity (ROE) | 6.6500% | 3,702 |
| Retained earnings to average equity (ytd only) | 3.0509% | 3,704 |
| Net charge-offs to loans | 0.0559% | 1,100 |
| Credit loss provision to net charge-offs | 186.0465% | 1,167 |
| Earnings coverage of net charge-offs (x) | 25.1907% | 1,775 |
| Efficiency ratio | 78.4734% | 825 |
| Assets per employee ($millions) | 5.7100% | 3,025 |
| Cash dividends to net income (ytd only)* | 54.1199% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,803 |
| Loan loss allowance to noncurrent loans | 56.7742% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3573% | 254 |
| Noncurrent loans to loans | 1.9686% | 291 |
| Net loans and leases to total assets | 68.1700% | 1,810 |
| Net loans and leases to deposits | 75.1939% | 2,157 |
| Net loans and leases to core deposits | 75.7617% | 2,436 |
| Total domestic deposits to total assets | 90.6600% | 1,078 |
| Equity capital to assets | 8.7629% | 2,523 |
| Core capital (leverage) ratio | 8.5495% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8810% | 2,764 |
| Memoranda: | ||
| Average total assets | $627,324,000 | 1,427 |
| Average earning assets | $588,520,400 | 1,411 |
| Average equity | $54,933,800 | 1,500 |
| Average total loans | $384,831,400 | 1,440 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3942% | 2,936 |
| Cost of funding earning assets | 0.1771% | 3,549 |
| Net interest margin | 3.2171% | 2,576 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.4899% | 2,044 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8840% | 2,945 |
| Return on assets (ROA) | 0.8840% | 2,915 |
| Pretax return on assets | 1.2015% | 2,359 |
| Return on Equity (ROE) | 10.1000% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.4468% | 2,576 |
| Net charge-offs to loans | 0.0160% | 1,540 |
| Credit loss provision to net charge-offs | 777.7778% | 478 |
| Earnings coverage of net charge-offs (x) | 133.9333% | 794 |
| Efficiency ratio | 65.5295% | 2,340 |
| Assets per employee ($millions) | 5.7043% | 3,032 |
| Cash dividends to net income (ytd only)* | 36.1503% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,382 |
| Loan loss allowance to noncurrent loans | 55.7310% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 235 |
| Noncurrent loans to loans | 2.2015% | 263 |
| Net loans and leases to total assets | 64.8700% | 1,993 |
| Net loans and leases to deposits | 71.7861% | 2,227 |
| Net loans and leases to core deposits | 72.3010% | 2,466 |
| Total domestic deposits to total assets | 90.3600% | 1,498 |
| Equity capital to assets | 9.0143% | 2,203 |
| Core capital (leverage) ratio | 8.5599% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0760% | 2,443 |
| Memoranda: | ||
| Average total assets | $629,985,500 | 1,430 |
| Average earning assets | $592,646,250 | 1,409 |
| Average equity | $55,157,500 | 1,510 |
| Average total loans | $374,748,000 | 1,465 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1475% | 3,190 |
| Cost of funding earning assets | 0.1559% | 3,503 |
| Net interest margin | 2.9917% | 2,908 |
| Noninterest income to average assets | 0.7659% | 1,137 |
| Noninterest expense to average assets | 2.4181% | 2,172 |
| Loan and lease loss provision to assets | 0.1002% | 1,000 |
| Net operating income to assets | 0.7844% | 3,014 |
| Return on assets (ROA) | 0.7844% | 2,982 |
| Pretax return on assets | 1.0673% | 2,524 |
| Return on Equity (ROE) | 9.0438% | 2,689 |
| Retained earnings to average equity (ytd only) | 5.5224% | 2,500 |
| Net charge-offs to loans | 0.0267% | 1,180 |
| Credit loss provision to net charge-offs | 653.0612% | 534 |
| Earnings coverage of net charge-offs (x) | 76.0612% | 960 |
| Efficiency ratio | 66.8181% | 2,400 |
| Assets per employee ($millions) | 5.8178% | 2,900 |
| Cash dividends to net income (ytd only)* | 38.9377% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,406 |
| Loan loss allowance to noncurrent loans | 55.9759% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 265 |
| Noncurrent loans to loans | 2.2439% | 280 |
| Net loans and leases to total assets | 61.0968% | 2,212 |
| Net loans and leases to deposits | 67.1929% | 2,452 |
| Net loans and leases to core deposits | 67.5728% | 2,692 |
| Total domestic deposits to total assets | 90.9275% | 1,267 |
| Equity capital to assets | 8.7114% | 2,608 |
| Core capital (leverage) ratio | 8.1073% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0581% | 2,473 |
| Memoranda: | ||
| Average total assets | $638,427,667 | 1,413 |
| Average earning assets | $601,740,333 | 1,400 |
| Average equity | $55,374,667 | 1,537 |
| Average total loans | $367,302,000 | 1,483 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 3,451 |
| Cost of funding earning assets | 0.1573% | 3,407 |
| Net interest margin | 2.7739% | 3,213 |
| Noninterest income to average assets | 0.6888% | 1,351 |
| Noninterest expense to average assets | 2.4444% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6318% | 3,291 |
| Return on assets (ROA) | 0.6318% | 3,271 |
| Pretax return on assets | 0.8633% | 2,900 |
| Return on Equity (ROE) | 7.2997% | 2,942 |
| Retained earnings to average equity (ytd only) | 3.6606% | 3,052 |
| Net charge-offs to loans | -0.0368% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1338% | 1,844 |
| Assets per employee ($millions) | 6.4397% | 2,423 |
| Cash dividends to net income (ytd only)* | 49.8531% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,534 |
| Loan loss allowance to noncurrent loans | 51.6255% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 299 |
| Noncurrent loans to loans | 2.4462% | 253 |
| Net loans and leases to total assets | 53.1611% | 2,860 |
| Net loans and leases to deposits | 58.1801% | 3,060 |
| Net loans and leases to core deposits | 58.6371% | 3,267 |
| Total domestic deposits to total assets | 91.3732% | 860 |
| Equity capital to assets | 8.2516% | 3,367 |
| Core capital (leverage) ratio | 7.4967% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3147% | 2,475 |
| Memoranda: | ||
| Average total assets | $646,388,000 | 1,394 |
| Average earning assets | $610,261,500 | 1,390 |
| Average equity | $55,947,500 | 1,575 |
| Average total loans | $358,368,000 | 1,497 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 2,983 |
| Cost of funding earning assets | 0.2508% | 2,923 |
| Net interest margin | 3.1286% | 2,809 |
| Noninterest income to average assets | 0.6707% | 1,869 |
| Noninterest expense to average assets | 2.8038% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6038% | 3,869 |
| Return on assets (ROA) | 0.6038% | 3,912 |
| Pretax return on assets | 0.8043% | 3,716 |
| Return on Equity (ROE) | 6.4392% | 3,663 |
| Retained earnings to average equity (ytd only) | 3.0332% | 3,618 |
| Net charge-offs to loans | -0.0127% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9456% | 1,030 |
| Assets per employee ($millions) | 5.9385% | 2,836 |
| Cash dividends to net income (ytd only)* | 52.8946% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,645 |
| Loan loss allowance to noncurrent loans | 48.1346% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6013% | 252 |
| Noncurrent loans to loans | 2.5864% | 257 |
| Net loans and leases to total assets | 56.4170% | 2,553 |
| Net loans and leases to deposits | 62.2435% | 2,859 |
| Net loans and leases to core deposits | 62.9858% | 3,073 |
| Total domestic deposits to total assets | 90.6392% | 651 |
| Equity capital to assets | 9.0809% | 3,535 |
| Core capital (leverage) ratio | 7.7496% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0376% | 2,620 |
| Memoranda: | ||
| Average total assets | $606,496,400 | 1,436 |
| Average earning assets | $569,424,400 | 1,432 |
| Average equity | $56,870,600 | 1,583 |
| Average total loans | $353,272,000 | 1,505 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4247% | 3,029 |
| Cost of funding earning assets | 0.2649% | 2,958 |
| Net interest margin | 3.1599% | 2,859 |
| Noninterest income to average assets | 0.6827% | 1,878 |
| Noninterest expense to average assets | 2.7427% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6647% | 3,854 |
| Return on assets (ROA) | 0.6647% | 3,910 |
| Pretax return on assets | 0.9028% | 3,687 |
| Return on Equity (ROE) | 7.0307% | 3,659 |
| Retained earnings to average equity (ytd only) | 3.4062% | 3,766 |
| Net charge-offs to loans | -0.0072% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4856% | 1,176 |
| Assets per employee ($millions) | 5.8690% | 2,821 |
| Cash dividends to net income (ytd only)* | 51.5526% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,647 |
| Loan loss allowance to noncurrent loans | 142.5232% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 1,158 |
| Noncurrent loans to loans | 0.8886% | 1,294 |
| Net loans and leases to total assets | 56.8536% | 2,631 |
| Net loans and leases to deposits | 63.0557% | 2,950 |
| Net loans and leases to core deposits | 63.8628% | 3,156 |
| Total domestic deposits to total assets | 90.1640% | 701 |
| Equity capital to assets | 9.4195% | 3,448 |
| Core capital (leverage) ratio | 7.8719% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8742% | 2,405 |
| Memoranda: | ||
| Average total assets | $600,749,500 | 1,463 |
| Average earning assets | $563,301,750 | 1,463 |
| Average equity | $56,797,500 | 1,606 |
| Average total loans | $351,686,750 | 1,540 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 3,433 |
| Cost of funding earning assets | 0.2792% | 2,992 |
| Net interest margin | 3.0180% | 3,274 |
| Noninterest income to average assets | 0.7210% | 1,742 |
| Noninterest expense to average assets | 2.7613% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5794% | 4,020 |
| Return on assets (ROA) | 0.5794% | 4,075 |
| Pretax return on assets | 0.7852% | 3,900 |
| Return on Equity (ROE) | 6.1204% | 3,876 |
| Retained earnings to average equity (ytd only) | 2.5387% | 3,988 |
| Net charge-offs to loans | 0.0574% | 1,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 23.2277% | 1,469 |
| Efficiency ratio | 77.0857% | 982 |
| Assets per employee ($millions) | 5.6929% | 2,906 |
| Cash dividends to net income (ytd only)* | 58.5211% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,793 |
| Loan loss allowance to noncurrent loans | 55.8622% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.3986% | 433 |
| Noncurrent loans to loans | 2.1941% | 409 |
| Net loans and leases to total assets | 56.7676% | 2,805 |
| Net loans and leases to deposits | 62.7827% | 3,127 |
| Net loans and leases to core deposits | 63.6515% | 3,317 |
| Total domestic deposits to total assets | 90.4192% | 591 |
| Equity capital to assets | 9.2287% | 3,583 |
| Core capital (leverage) ratio | 7.6906% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7208% | 2,469 |
| Memoranda: | ||
| Average total assets | $597,541,667 | 1,465 |
| Average earning assets | $559,449,333 | 1,460 |
| Average equity | $56,565,333 | 1,606 |
| Average total loans | $351,759,000 | 1,549 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 3,452 |
| Cost of funding earning assets | 0.2983% | 3,012 |
| Net interest margin | 2.9985% | 3,257 |
| Noninterest income to average assets | 0.6989% | 1,870 |
| Noninterest expense to average assets | 2.7292% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5685% | 4,022 |
| Return on assets (ROA) | 0.5685% | 4,073 |
| Pretax return on assets | 0.7689% | 3,870 |
| Return on Equity (ROE) | 5.9280% | 3,881 |
| Retained earnings to average equity (ytd only) | 2.1672% | 3,977 |
| Net charge-offs to loans | 0.1333% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.6752% | 1,530 |
| Efficiency ratio | 77.2233% | 1,026 |
| Assets per employee ($millions) | 5.6894% | 2,924 |
| Cash dividends to net income (ytd only)* | 63.4409% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,848 |
| Loan loss allowance to noncurrent loans | 58.3976% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.3823% | 487 |
| Noncurrent loans to loans | 2.0824% | 499 |
| Net loans and leases to total assets | 57.5774% | 2,848 |
| Net loans and leases to deposits | 63.7309% | 3,149 |
| Net loans and leases to core deposits | 64.7922% | 3,338 |
| Total domestic deposits to total assets | 90.3446% | 645 |
| Equity capital to assets | 9.2529% | 3,442 |
| Core capital (leverage) ratio | 7.8037% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9384% | 2,311 |
| Memoranda: | ||
| Average total assets | $588,895,000 | 1,473 |
| Average earning assets | $549,741,000 | 1,471 |
| Average equity | $56,477,500 | 1,597 |
| Average total loans | $350,959,500 | 1,563 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 3,394 |
| Cost of funding earning assets | 0.4447% | 3,313 |
| Net interest margin | 3.3241% | 3,006 |
| Noninterest income to average assets | 0.8856% | 1,307 |
| Noninterest expense to average assets | 3.0226% | 1,389 |
| Loan and lease loss provision to assets | 0.1402% | 2,604 |
| Net operating income to assets | 0.6320% | 3,646 |
| Return on assets (ROA) | 0.6343% | 3,763 |
| Pretax return on assets | 0.8326% | 3,549 |
| Return on Equity (ROE) | 6.5901% | 3,373 |
| Retained earnings to average equity (ytd only) | 2.9569% | 3,386 |
| Net charge-offs to loans | 0.0121% | 2,898 |
| Credit loss provision to net charge-offs | 1,830.5556% | 470 |
| Earnings coverage of net charge-offs (x) | 126.6389% | 677 |
| Efficiency ratio | 75.1918% | 1,316 |
| Assets per employee ($millions) | 5.3182% | 3,027 |
| Cash dividends to net income (ytd only)* | 55.1308% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,578 |
| Loan loss allowance to noncurrent loans | 63.7514% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 701 |
| Noncurrent loans to loans | 1.9902% | 584 |
| Net loans and leases to total assets | 60.6080% | 2,779 |
| Net loans and leases to deposits | 67.6047% | 3,120 |
| Net loans and leases to core deposits | 68.7087% | 3,356 |
| Total domestic deposits to total assets | 89.6505% | 699 |
| Equity capital to assets | 9.9553% | 3,169 |
| Core capital (leverage) ratio | 9.6394% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4234% | 2,076 |
| Memoranda: | ||
| Average total assets | $470,094,400 | 1,638 |
| Average earning assets | $439,369,000 | 1,628 |
| Average equity | $45,249,800 | 1,842 |
| Average total loans | $298,340,400 | 1,689 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 3,553 |
| Cost of funding earning assets | 0.4878% | 3,307 |
| Net interest margin | 3.3179% | 3,132 |
| Noninterest income to average assets | 0.9149% | 1,184 |
| Noninterest expense to average assets | 3.0393% | 1,355 |
| Loan and lease loss provision to assets | 0.1179% | 2,848 |
| Net operating income to assets | 0.6558% | 3,607 |
| Return on assets (ROA) | 0.6574% | 3,703 |
| Pretax return on assets | 0.8652% | 3,477 |
| Return on Equity (ROE) | 6.9055% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.2547% | 3,415 |
| Net charge-offs to loans | -0.0350% | 4,578 |
| Credit loss provision to net charge-offs | -525.3333% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1210% | 1,287 |
| Assets per employee ($millions) | 4.8184% | 3,467 |
| Cash dividends to net income (ytd only)* | 52.8689% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,736 |
| Loan loss allowance to noncurrent loans | 147.5172% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 1,852 |
| Noncurrent loans to loans | 0.9493% | 1,589 |
| Net loans and leases to total assets | 64.4440% | 2,712 |
| Net loans and leases to deposits | 71.5655% | 3,175 |
| Net loans and leases to core deposits | 72.5136% | 3,432 |
| Total domestic deposits to total assets | 90.0490% | 411 |
| Equity capital to assets | 9.2306% | 3,924 |
| Core capital (leverage) ratio | 8.6546% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7759% | 1,902 |
| Memoranda: | ||
| Average total assets | $445,357,000 | 1,692 |
| Average earning assets | $416,840,000 | 1,682 |
| Average equity | $42,399,750 | 1,911 |
| Average total loans | $285,596,000 | 1,741 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,489 |
| Cost of funding earning assets | 0.5274% | 3,366 |
| Net interest margin | 3.4160% | 3,051 |
| Noninterest income to average assets | 0.8671% | 1,244 |
| Noninterest expense to average assets | 3.0748% | 1,418 |
| Loan and lease loss provision to assets | 0.0913% | 3,126 |
| Net operating income to assets | 0.6828% | 3,454 |
| Return on assets (ROA) | 0.6854% | 3,548 |
| Pretax return on assets | 0.8922% | 3,336 |
| Return on Equity (ROE) | 7.1218% | 3,086 |
| Retained earnings to average equity (ytd only) | 3.5158% | 3,170 |
| Net charge-offs to loans | -0.0552% | 4,708 |
| Credit loss provision to net charge-offs | -259.7403% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3744% | 1,324 |
| Assets per employee ($millions) | 4.7504% | 3,471 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,833 |
| Loan loss allowance to noncurrent loans | 1,003.9312% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 3,987 |
| Noncurrent loans to loans | 0.1333% | 3,922 |
| Net loans and leases to total assets | 65.3944% | 2,707 |
| Net loans and leases to deposits | 72.7379% | 3,187 |
| Net loans and leases to core deposits | 73.8257% | 3,474 |
| Total domestic deposits to total assets | 89.9042% | 424 |
| Equity capital to assets | 9.3358% | 3,794 |
| Core capital (leverage) ratio | 8.6349% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9172% | 1,855 |
| Memoranda: | ||
| Average total assets | $438,015,667 | 1,694 |
| Average earning assets | $408,786,667 | 1,680 |
| Average equity | $42,152,333 | 1,915 |
| Average total loans | $278,969,000 | 1,751 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,724 |
| Cost of funding earning assets | 0.6080% | 3,393 |
| Net interest margin | 3.4157% | 3,250 |
| Noninterest income to average assets | 0.8541% | 1,158 |
| Noninterest expense to average assets | 3.0302% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7396% | 3,133 |
| Return on assets (ROA) | 0.7426% | 3,197 |
| Pretax return on assets | 0.9985% | 2,843 |
| Return on Equity (ROE) | 7.5936% | 2,692 |
| Retained earnings to average equity (ytd only) | 3.6050% | 2,845 |
| Net charge-offs to loans | -0.0497% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8195% | 1,709 |
| Assets per employee ($millions) | 4.3550% | 3,466 |
| Cash dividends to net income (ytd only)* | 52.5253% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,581 |
| Loan loss allowance to noncurrent loans | 172.8295% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,265 |
| Noncurrent loans to loans | 0.8283% | 1,952 |
| Net loans and leases to total assets | 61.9819% | 3,299 |
| Net loans and leases to deposits | 69.1611% | 3,651 |
| Net loans and leases to core deposits | 70.4934% | 3,849 |
| Total domestic deposits to total assets | 89.6196% | 439 |
| Equity capital to assets | 9.8774% | 3,899 |
| Core capital (leverage) ratio | 9.2487% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6295% | 2,027 |
| Memoranda: | ||
| Average total assets | $426,631,500 | 1,684 |
| Average earning assets | $396,049,500 | 1,680 |
| Average equity | $41,719,500 | 1,921 |
| Average total loans | $265,747,000 | 1,778 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 3,204 |
| Cost of funding earning assets | 0.6224% | 3,545 |
| Net interest margin | 3.7937% | 2,517 |
| Noninterest income to average assets | 0.7783% | 1,520 |
| Noninterest expense to average assets | 3.2861% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7573% | 3,683 |
| Return on assets (ROA) | 0.7658% | 3,740 |
| Pretax return on assets | 1.0271% | 3,400 |
| Return on Equity (ROE) | 7.9236% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.0462% | 2,938 |
| Net charge-offs to loans | -0.1087% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9828% | 1,374 |
| Assets per employee ($millions) | 4.3517% | 3,434 |
| Cash dividends to net income (ytd only)* | 48.9348% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 1,370 |
| Loan loss allowance to noncurrent loans | 1,007.6720% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 3,930 |
| Noncurrent loans to loans | 0.1437% | 3,951 |
| Net loans and leases to total assets | 60.8035% | 3,524 |
| Net loans and leases to deposits | 67.6769% | 3,844 |
| Net loans and leases to core deposits | 68.9180% | 4,027 |
| Total domestic deposits to total assets | 89.8438% | 372 |
| Equity capital to assets | 9.6802% | 4,194 |
| Core capital (leverage) ratio | 9.1626% | 4,390 |
| Tier 1 risk-based capital ratio | 13.3542% | 3,602 |
| Total risk-based capital ratio | 14.6051% | 3,490 |
| Memoranda: | ||
| Average total assets | $416,822,000 | 1,684 |
| Average earning assets | $387,195,400 | 1,679 |
| Average equity | $40,284,800 | 1,919 |
| Average total loans | $269,504,600 | 1,735 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 3,109 |
| Cost of funding earning assets | 0.6186% | 3,592 |
| Net interest margin | 3.8658% | 2,382 |
| Noninterest income to average assets | 0.7442% | 1,613 |
| Noninterest expense to average assets | 3.1054% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9123% | 3,305 |
| Return on assets (ROA) | 0.9237% | 3,333 |
| Pretax return on assets | 1.2464% | 2,829 |
| Return on Equity (ROE) | 9.5613% | 2,640 |
| Retained earnings to average equity (ytd only) | 5.5250% | 2,616 |
| Net charge-offs to loans | -0.1648% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2262% | 1,937 |
| Assets per employee ($millions) | 4.2780% | 3,514 |
| Cash dividends to net income (ytd only)* | 42.2153% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,407 |
| Loan loss allowance to noncurrent loans | 1,283.6667% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 4,055 |
| Noncurrent loans to loans | 0.1126% | 4,135 |
| Net loans and leases to total assets | 63.2496% | 3,358 |
| Net loans and leases to deposits | 70.6187% | 3,723 |
| Net loans and leases to core deposits | 71.9506% | 3,952 |
| Total domestic deposits to total assets | 89.5651% | 425 |
| Equity capital to assets | 9.9265% | 4,095 |
| Core capital (leverage) ratio | 9.4151% | 4,267 |
| Tier 1 risk-based capital ratio | 13.3333% | 3,668 |
| Total risk-based capital ratio | 14.5844% | 3,564 |
| Memoranda: | ||
| Average total assets | $414,410,250 | 1,702 |
| Average earning assets | $385,183,250 | 1,699 |
| Average equity | $40,035,250 | 1,938 |
| Average total loans | $271,101,500 | 1,737 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 3,172 |
| Cost of funding earning assets | 0.5970% | 3,661 |
| Net interest margin | 3.8572% | 2,383 |
| Noninterest income to average assets | 0.7107% | 1,674 |
| Noninterest expense to average assets | 3.1123% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8784% | 3,367 |
| Return on assets (ROA) | 0.8787% | 3,432 |
| Pretax return on assets | 1.1834% | 2,961 |
| Return on Equity (ROE) | 9.1803% | 2,781 |
| Retained earnings to average equity (ytd only) | 5.2257% | 2,654 |
| Net charge-offs to loans | -0.2567% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0773% | 1,910 |
| Assets per employee ($millions) | 4.2799% | 3,463 |
| Cash dividends to net income (ytd only)* | 43.0769% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,453 |
| Loan loss allowance to noncurrent loans | 1,056.2842% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 3,920 |
| Noncurrent loans to loans | 0.1365% | 4,065 |
| Net loans and leases to total assets | 63.6402% | 3,379 |
| Net loans and leases to deposits | 70.8395% | 3,778 |
| Net loans and leases to core deposits | 72.2315% | 3,991 |
| Total domestic deposits to total assets | 89.8371% | 379 |
| Equity capital to assets | 9.7806% | 4,156 |
| Core capital (leverage) ratio | 9.3157% | 4,346 |
| Tier 1 risk-based capital ratio | 13.1835% | 3,741 |
| Total risk-based capital ratio | 14.4352% | 3,652 |
| Memoranda: | ||
| Average total assets | $414,226,330 | 1,706 |
| Average earning assets | $384,947,330 | 1,705 |
| Average equity | $39,650,000 | 1,952 |
| Average total loans | $272,697,670 | 1,743 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 3,063 |
| Cost of funding earning assets | 0.5612% | 3,779 |
| Net interest margin | 3.8839% | 2,238 |
| Noninterest income to average assets | 0.7337% | 1,489 |
| Noninterest expense to average assets | 2.9534% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0191% | 2,777 |
| Return on assets (ROA) | 1.0199% | 2,816 |
| Pretax return on assets | 1.3805% | 2,155 |
| Return on Equity (ROE) | 10.7727% | 2,042 |
| Retained earnings to average equity (ytd only) | 6.3513% | 2,295 |
| Net charge-offs to loans | -0.4363% | 5,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7599% | 2,672 |
| Assets per employee ($millions) | 4.4426% | 3,272 |
| Cash dividends to net income (ytd only)* | 41.0427% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,584 |
| Loan loss allowance to noncurrent loans | 908.5714% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 3,600 |
| Noncurrent loans to loans | 0.1570% | 4,037 |
| Net loans and leases to total assets | 62.4768% | 3,458 |
| Net loans and leases to deposits | 69.3834% | 3,812 |
| Net loans and leases to core deposits | 70.5277% | 4,056 |
| Total domestic deposits to total assets | 90.0457% | 428 |
| Equity capital to assets | 9.4004% | 4,341 |
| Core capital (leverage) ratio | 9.1765% | 4,494 |
| Tier 1 risk-based capital ratio | 13.0437% | 3,858 |
| Total risk-based capital ratio | 14.2950% | 3,764 |
| Memoranda: | ||
| Average total assets | $413,765,500 | 1,718 |
| Average earning assets | $383,430,500 | 1,718 |
| Average equity | $39,173,000 | 1,960 |
| Average total loans | $275,013,000 | 1,743 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,748 |
| Cost of funding earning assets | 0.3761% | 4,122 |
| Net interest margin | 4.0270% | 1,901 |
| Noninterest income to average assets | 0.9354% | 1,093 |
| Noninterest expense to average assets | 3.2600% | 1,417 |
| Loan and lease loss provision to assets | 0.4126% | 323 |
| Net operating income to assets | 0.7511% | 3,968 |
| Return on assets (ROA) | 0.7511% | 3,970 |
| Pretax return on assets | 0.9958% | 3,619 |
| Return on Equity (ROE) | 7.8831% | 3,489 |
| Retained earnings to average equity (ytd only) | 4.0241% | 3,351 |
| Net charge-offs to loans | 0.8302% | 180 |
| Credit loss provision to net charge-offs | 68.4341% | 3,012 |
| Earnings coverage of net charge-offs (x) | 2.3360% | 3,532 |
| Efficiency ratio | 69.6003% | 2,265 |
| Assets per employee ($millions) | 4.2238% | 3,579 |
| Cash dividends to net income (ytd only)* | 48.9524% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,327 |
| Loan loss allowance to noncurrent loans | 351.9520% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,182 |
| Noncurrent loans to loans | 0.3536% | 3,275 |
| Net loans and leases to total assets | 68.8098% | 2,763 |
| Net loans and leases to deposits | 76.5150% | 3,316 |
| Net loans and leases to core deposits | 77.8283% | 3,595 |
| Total domestic deposits to total assets | 89.9298% | 499 |
| Equity capital to assets | 9.5373% | 4,094 |
| Core capital (leverage) ratio | 9.2379% | 4,410 |
| Tier 1 risk-based capital ratio | 12.2028% | 4,295 |
| Total risk-based capital ratio | 13.3717% | 4,235 |
| Memoranda: | ||
| Average total assets | $400,365,000 | 1,714 |
| Average earning assets | $371,145,400 | 1,718 |
| Average equity | $38,144,800 | 1,932 |
| Average total loans | $290,759,600 | 1,633 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 2,792 |
| Cost of funding earning assets | 0.3396% | 4,249 |
| Net interest margin | 4.0107% | 1,923 |
| Noninterest income to average assets | 0.9064% | 1,180 |
| Noninterest expense to average assets | 2.9574% | 2,151 |
| Loan and lease loss provision to assets | 0.4537% | 264 |
| Net operating income to assets | 0.9054% | 3,502 |
| Return on assets (ROA) | 0.9054% | 3,507 |
| Pretax return on assets | 1.2198% | 2,915 |
| Return on Equity (ROE) | 9.5053% | 2,845 |
| Retained earnings to average equity (ytd only) | 5.5699% | 2,912 |
| Net charge-offs to loans | 0.9945% | 139 |
| Credit loss provision to net charge-offs | 62.1795% | 2,721 |
| Earnings coverage of net charge-offs (x) | 2.2935% | 3,255 |
| Efficiency ratio | 63.6823% | 3,240 |
| Assets per employee ($millions) | 4.1838% | 3,594 |
| Cash dividends to net income (ytd only)* | 41.4022% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,664 |
| Loan loss allowance to noncurrent loans | 244.4759% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 2,771 |
| Noncurrent loans to loans | 0.4880% | 2,926 |
| Net loans and leases to total assets | 71.1833% | 2,465 |
| Net loans and leases to deposits | 78.9429% | 3,147 |
| Net loans and leases to core deposits | 80.3719% | 3,465 |
| Total domestic deposits to total assets | 90.1706% | 454 |
| Equity capital to assets | 9.5976% | 3,998 |
| Core capital (leverage) ratio | 9.3854% | 4,297 |
| Tier 1 risk-based capital ratio | 11.8273% | 4,586 |
| Total risk-based capital ratio | 12.9382% | 4,568 |
| Memoranda: | ||
| Average total assets | $399,085,500 | 1,718 |
| Average earning assets | $370,604,000 | 1,724 |
| Average equity | $38,013,000 | 1,942 |
| Average total loans | $292,817,500 | 1,631 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 2,813 |
| Cost of funding earning assets | 0.3084% | 4,363 |
| Net interest margin | 3.9772% | 1,934 |
| Noninterest income to average assets | 0.8673% | 1,276 |
| Noninterest expense to average assets | 2.9596% | 2,172 |
| Loan and lease loss provision to assets | 0.3696% | 342 |
| Net operating income to assets | 0.9231% | 3,354 |
| Return on assets (ROA) | 0.9231% | 3,352 |
| Pretax return on assets | 1.2360% | 2,784 |
| Return on Equity (ROE) | 9.7160% | 2,704 |
| Retained earnings to average equity (ytd only) | 5.9469% | 2,587 |
| Net charge-offs to loans | 1.4321% | 86 |
| Credit loss provision to net charge-offs | 34.9644% | 2,603 |
| Earnings coverage of net charge-offs (x) | 1.5188% | 3,056 |
| Efficiency ratio | 64.6975% | 3,216 |
| Assets per employee ($millions) | 4.1054% | 3,717 |
| Cash dividends to net income (ytd only)* | 38.7922% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,811 |
| Loan loss allowance to noncurrent loans | 164.9093% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 2,525 |
| Noncurrent loans to loans | 0.6093% | 2,586 |
| Net loans and leases to total assets | 72.7195% | 2,165 |
| Net loans and leases to deposits | 80.8206% | 2,870 |
| Net loans and leases to core deposits | 82.3134% | 3,218 |
| Total domestic deposits to total assets | 89.9764% | 585 |
| Equity capital to assets | 9.6816% | 3,931 |
| Core capital (leverage) ratio | 9.2841% | 4,378 |
| Tier 1 risk-based capital ratio | 11.6477% | 4,719 |
| Total risk-based capital ratio | 12.5835% | 4,777 |
| Memoranda: | ||
| Average total assets | $398,233,330 | 1,737 |
| Average earning assets | $370,257,000 | 1,734 |
| Average equity | $37,834,670 | 1,953 |
| Average total loans | $293,972,000 | 1,634 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,786 |
| Cost of funding earning assets | 0.2859% | 4,454 |
| Net interest margin | 3.9434% | 1,885 |
| Noninterest income to average assets | 0.6655% | 1,977 |
| Noninterest expense to average assets | 2.8508% | 2,529 |
| Loan and lease loss provision to assets | 0.2998% | 431 |
| Net operating income to assets | 0.8993% | 3,292 |
| Return on assets (ROA) | 0.8993% | 3,299 |
| Pretax return on assets | 1.1811% | 2,838 |
| Return on Equity (ROE) | 9.5527% | 2,659 |
| Retained earnings to average equity (ytd only) | 5.4875% | 2,958 |
| Net charge-offs to loans | 2.8736% | 35 |
| Credit loss provision to net charge-offs | 14.0845% | 2,160 |
| Earnings coverage of net charge-offs (x) | 0.6958% | 2,625 |
| Efficiency ratio | 65.6747% | 3,225 |
| Assets per employee ($millions) | 4.3066% | 3,474 |
| Cash dividends to net income (ytd only)* | 42.5556% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 4,281 |
| Loan loss allowance to noncurrent loans | 132.8256% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 2,443 |
| Noncurrent loans to loans | 0.7040% | 2,451 |
| Net loans and leases to total assets | 70.7331% | 2,369 |
| Net loans and leases to deposits | 78.2827% | 2,992 |
| Net loans and leases to core deposits | 79.8321% | 3,336 |
| Total domestic deposits to total assets | 90.3559% | 517 |
| Equity capital to assets | 9.3249% | 4,246 |
| Core capital (leverage) ratio | 9.0789% | 4,591 |
| Tier 1 risk-based capital ratio | 11.7592% | 4,709 |
| Total risk-based capital ratio | 12.6522% | 4,820 |
| Memoranda: | ||
| Average total assets | $400,302,000 | 1,739 |
| Average earning assets | $372,170,000 | 1,731 |
| Average equity | $37,685,500 | 1,969 |
| Average total loans | $296,490,500 | 1,623 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 2,892 |
| Cost of funding earning assets | 0.2755% | 4,357 |
| Net interest margin | 3.8723% | 2,178 |
| Noninterest income to average assets | 0.9603% | 1,114 |
| Noninterest expense to average assets | 3.1567% | 1,705 |
| Loan and lease loss provision to assets | 0.2011% | 1,026 |
| Net operating income to assets | 0.7516% | 3,386 |
| Return on assets (ROA) | 0.7598% | 3,385 |
| Pretax return on assets | 1.2222% | 2,676 |
| Return on Equity (ROE) | 8.1469% | 2,730 |
| Retained earnings to average equity (ytd only) | 4.4494% | 2,482 |
| Net charge-offs to loans | -0.0061% | 4,677 |
| Credit loss provision to net charge-offs | -4,444.4444% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8807% | 2,725 |
| Assets per employee ($millions) | 4.1228% | 3,779 |
| Cash dividends to net income (ytd only)* | 45.3854% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 1,434 |
| Loan loss allowance to noncurrent loans | 4,047.3214% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 4,238 |
| Noncurrent loans to loans | 0.0368% | 4,846 |
| Net loans and leases to total assets | 75.6481% | 1,659 |
| Net loans and leases to deposits | 83.8869% | 2,501 |
| Net loans and leases to core deposits | 85.6710% | 2,934 |
| Total domestic deposits to total assets | 90.1788% | 506 |
| Equity capital to assets | 9.5057% | 4,231 |
| Core capital (leverage) ratio | 9.0382% | 4,600 |
| Tier 1 risk-based capital ratio | 10.8798% | 5,214 |
| Total risk-based capital ratio | 12.1210% | 5,112 |
| Memoranda: | ||
| Average total assets | $397,881,000 | 1,710 |
| Average earning assets | $370,608,200 | 1,702 |
| Average equity | $37,106,000 | 1,972 |
| Average total loans | $296,070,000 | 1,583 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,011 |
| Cost of funding earning assets | 0.2733% | 4,376 |
| Net interest margin | 3.8193% | 2,320 |
| Noninterest income to average assets | 0.9384% | 1,169 |
| Noninterest expense to average assets | 2.8948% | 2,427 |
| Loan and lease loss provision to assets | 0.2008% | 948 |
| Net operating income to assets | 0.8970% | 3,042 |
| Return on assets (ROA) | 0.9079% | 3,052 |
| Pretax return on assets | 1.4233% | 2,049 |
| Return on Equity (ROE) | 9.7824% | 2,215 |
| Retained earnings to average equity (ytd only) | 6.0180% | 2,222 |
| Net charge-offs to loans | -0.0023% | 4,332 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1094% | 3,523 |
| Assets per employee ($millions) | 4.0716% | 3,866 |
| Cash dividends to net income (ytd only)* | 38.4815% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,759 |
| Loan loss allowance to noncurrent loans | 2,860.9272% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 4,409 |
| Noncurrent loans to loans | 0.0502% | 4,886 |
| Net loans and leases to total assets | 75.8963% | 1,603 |
| Net loans and leases to deposits | 84.2881% | 2,528 |
| Net loans and leases to core deposits | 86.0657% | 2,958 |
| Total domestic deposits to total assets | 90.0438% | 459 |
| Equity capital to assets | 9.6863% | 4,255 |
| Core capital (leverage) ratio | 9.1178% | 4,620 |
| Tier 1 risk-based capital ratio | 10.9384% | 5,282 |
| Total risk-based capital ratio | 12.1795% | 5,176 |
| Memoranda: | ||
| Average total assets | $398,405,000 | 1,718 |
| Average earning assets | $371,717,750 | 1,711 |
| Average equity | $36,977,000 | 1,990 |
| Average total loans | $294,103,250 | 1,607 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,067 |
| Cost of funding earning assets | 0.2733% | 4,347 |
| Net interest margin | 3.7615% | 2,432 |
| Noninterest income to average assets | 0.9398% | 1,153 |
| Noninterest expense to average assets | 2.8794% | 2,491 |
| Loan and lease loss provision to assets | 0.1995% | 924 |
| Net operating income to assets | 0.8799% | 3,019 |
| Return on assets (ROA) | 0.8880% | 3,032 |
| Pretax return on assets | 1.3614% | 2,162 |
| Return on Equity (ROE) | 9.7049% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.0083% | 2,109 |
| Net charge-offs to loans | -0.0062% | 4,385 |
| Credit loss provision to net charge-offs | -4,444.4444% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8378% | 3,528 |
| Assets per employee ($millions) | 4.0653% | 3,855 |
| Cash dividends to net income (ytd only)* | 38.0899% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 2,019 |
| Loan loss allowance to noncurrent loans | 2,329.9435% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,458 |
| Noncurrent loans to loans | 0.0594% | 4,889 |
| Net loans and leases to total assets | 74.5213% | 1,775 |
| Net loans and leases to deposits | 82.6226% | 2,637 |
| Net loans and leases to core deposits | 84.3971% | 3,026 |
| Total domestic deposits to total assets | 90.1949% | 471 |
| Equity capital to assets | 9.4679% | 4,433 |
| Core capital (leverage) ratio | 8.9443% | 4,781 |
| Tier 1 risk-based capital ratio | 11.0604% | 5,223 |
| Total risk-based capital ratio | 12.3114% | 5,118 |
| Memoranda: | ||
| Average total assets | $400,915,670 | 1,717 |
| Average earning assets | $371,771,000 | 1,717 |
| Average equity | $36,682,330 | 1,995 |
| Average total loans | $291,811,670 | 1,610 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 3,378 |
| Cost of funding earning assets | 0.2734% | 4,320 |
| Net interest margin | 3.6320% | 2,770 |
| Noninterest income to average assets | 0.8441% | 1,420 |
| Noninterest expense to average assets | 2.7372% | 3,002 |
| Loan and lease loss provision to assets | 0.1979% | 838 |
| Net operating income to assets | 0.8612% | 2,937 |
| Return on assets (ROA) | 0.8778% | 2,920 |
| Pretax return on assets | 1.3122% | 2,194 |
| Return on Equity (ROE) | 9.7590% | 2,082 |
| Retained earnings to average equity (ytd only) | 5.7652% | 2,462 |
| Net charge-offs to loans | 0.0042% | 2,829 |
| Credit loss provision to net charge-offs | 6,666.6667% | 40 |
| Earnings coverage of net charge-offs (x) | 500.3333% | 112 |
| Efficiency ratio | 64.6356% | 3,720 |
| Assets per employee ($millions) | 4.2669% | 3,552 |
| Cash dividends to net income (ytd only)* | 40.9245% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 2,190 |
| Loan loss allowance to noncurrent loans | 1,715.7895% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 4,641 |
| Noncurrent loans to loans | 0.0801% | 4,876 |
| Net loans and leases to total assets | 69.2674% | 2,494 |
| Net loans and leases to deposits | 76.4717% | 3,138 |
| Net loans and leases to core deposits | 78.0575% | 3,464 |
| Total domestic deposits to total assets | 90.5791% | 442 |
| Equity capital to assets | 9.0350% | 4,773 |
| Core capital (leverage) ratio | 8.5367% | 5,205 |
| Tier 1 risk-based capital ratio | 11.1682% | 5,219 |
| Total risk-based capital ratio | 12.4186% | 5,118 |
| Memoranda: | ||
| Average total assets | $404,206,500 | 1,714 |
| Average earning assets | $375,990,000 | 1,707 |
| Average equity | $36,356,000 | 2,012 |
| Average total loans | $288,724,000 | 1,633 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 3,672 |
| Cost of funding earning assets | 0.3045% | 4,022 |
| Net interest margin | 3.5681% | 3,196 |
| Noninterest income to average assets | 0.8806% | 1,478 |
| Noninterest expense to average assets | 3.1443% | 1,911 |
| Loan and lease loss provision to assets | 0.1206% | 2,046 |
| Net operating income to assets | 0.6178% | 4,137 |
| Return on assets (ROA) | 0.6178% | 4,253 |
| Pretax return on assets | 0.9308% | 3,730 |
| Return on Equity (ROE) | 6.8464% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.2439% | 3,599 |
| Net charge-offs to loans | 0.0215% | 3,618 |
| Credit loss provision to net charge-offs | 801.6667% | 461 |
| Earnings coverage of net charge-offs (x) | 69.8667% | 793 |
| Efficiency ratio | 74.4500% | 2,234 |
| Assets per employee ($millions) | 4.1128% | 3,762 |
| Cash dividends to net income (ytd only)* | 52.6188% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,709 |
| Loan loss allowance to noncurrent loans | 1,786.0577% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 4,717 |
| Noncurrent loans to loans | 0.0710% | 4,955 |
| Net loans and leases to total assets | 71.7123% | 2,204 |
| Net loans and leases to deposits | 79.1402% | 2,980 |
| Net loans and leases to core deposits | 81.0052% | 3,310 |
| Total domestic deposits to total assets | 90.6143% | 413 |
| Equity capital to assets | 8.9536% | 4,862 |
| Core capital (leverage) ratio | 8.4929% | 5,266 |
| Tier 1 risk-based capital ratio | 10.9496% | 5,367 |
| Total risk-based capital ratio | 12.1712% | 5,269 |
| Memoranda: | ||
| Average total assets | $398,692,800 | 1,690 |
| Average earning assets | $370,424,000 | 1,679 |
| Average equity | $35,975,000 | 2,026 |
| Average total loans | $279,159,400 | 1,620 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 3,752 |
| Cost of funding earning assets | 0.3094% | 3,985 |
| Net interest margin | 3.5454% | 3,295 |
| Noninterest income to average assets | 0.8263% | 1,663 |
| Noninterest expense to average assets | 2.9681% | 2,405 |
| Loan and lease loss provision to assets | 0.0775% | 2,675 |
| Net operating income to assets | 0.7076% | 3,801 |
| Return on assets (ROA) | 0.7076% | 3,940 |
| Pretax return on assets | 1.0774% | 3,324 |
| Return on Equity (ROE) | 7.8262% | 3,099 |
| Retained earnings to average equity (ytd only) | 4.1690% | 3,352 |
| Net charge-offs to loans | 0.0372% | 2,882 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 44.7291% | 1,156 |
| Efficiency ratio | 71.4925% | 2,654 |
| Assets per employee ($millions) | 4.0200% | 3,932 |
| Cash dividends to net income (ytd only)* | 46.7298% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 3,236 |
| Loan loss allowance to noncurrent loans | 2,672.8682% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 4,959 |
| Noncurrent loans to loans | 0.0449% | 5,182 |
| Net loans and leases to total assets | 72.0546% | 2,189 |
| Net loans and leases to deposits | 79.8618% | 2,984 |
| Net loans and leases to core deposits | 81.7330% | 3,306 |
| Total domestic deposits to total assets | 90.2242% | 399 |
| Equity capital to assets | 9.2783% | 4,888 |
| Core capital (leverage) ratio | 8.6471% | 5,217 |
| Tier 1 risk-based capital ratio | 10.8683% | 5,442 |
| Total risk-based capital ratio | 11.9917% | 5,412 |
| Memoranda: | ||
| Average total assets | $397,601,500 | 1,694 |
| Average earning assets | $369,714,000 | 1,689 |
| Average equity | $35,946,750 | 2,038 |
| Average total loans | $275,760,000 | 1,636 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7869% | 4,002 |
| Cost of funding earning assets | 0.3129% | 3,987 |
| Net interest margin | 3.4741% | 3,595 |
| Noninterest income to average assets | 0.7076% | 2,112 |
| Noninterest expense to average assets | 2.9136% | 2,629 |
| Loan and lease loss provision to assets | 0.0642% | 2,858 |
| Net operating income to assets | 0.6424% | 4,085 |
| Return on assets (ROA) | 0.6424% | 4,219 |
| Pretax return on assets | 0.9593% | 3,747 |
| Return on Equity (ROE) | 7.1675% | 3,450 |
| Retained earnings to average equity (ytd only) | 3.5865% | 3,610 |
| Net charge-offs to loans | -0.0191% | 4,927 |
| Credit loss provision to net charge-offs | -492.3077% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4938% | 2,433 |
| Assets per employee ($millions) | 3.9767% | 3,958 |
| Cash dividends to net income (ytd only)* | 49.9610% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 3,191 |
| Loan loss allowance to noncurrent loans | 847.1744% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 4,717 |
| Noncurrent loans to loans | 0.1452% | 4,852 |
| Net loans and leases to total assets | 70.3421% | 2,427 |
| Net loans and leases to deposits | 77.8499% | 3,175 |
| Net loans and leases to core deposits | 79.7789% | 3,480 |
| Total domestic deposits to total assets | 90.3561% | 365 |
| Equity capital to assets | 9.1846% | 5,083 |
| Core capital (leverage) ratio | 8.5163% | 5,353 |
| Tier 1 risk-based capital ratio | 10.9427% | 5,448 |
| Total risk-based capital ratio | 12.0901% | 5,429 |
| Memoranda: | ||
| Average total assets | $398,815,000 | 1,695 |
| Average earning assets | $370,747,000 | 1,681 |
| Average equity | $35,744,670 | 2,047 |
| Average total loans | $271,908,330 | 1,658 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 4,443 |
| Cost of funding earning assets | 0.3188% | 3,960 |
| Net interest margin | 3.3436% | 4,068 |
| Noninterest income to average assets | 0.7474% | 1,827 |
| Noninterest expense to average assets | 2.8103% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7125% | 3,651 |
| Return on assets (ROA) | 0.7125% | 3,771 |
| Pretax return on assets | 1.0414% | 3,319 |
| Return on Equity (ROE) | 8.0478% | 2,889 |
| Retained earnings to average equity (ytd only) | 4.1984% | 3,378 |
| Net charge-offs to loans | 0.0553% | 1,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 28.2432% | 1,221 |
| Efficiency ratio | 72.4709% | 2,728 |
| Assets per employee ($millions) | 3.9857% | 3,967 |
| Cash dividends to net income (ytd only)* | 47.8322% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 3,420 |
| Loan loss allowance to noncurrent loans | 6,386.2745% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 4,282 |
| Noncurrent loans to loans | 0.0189% | 5,431 |
| Net loans and leases to total assets | 66.7148% | 2,857 |
| Net loans and leases to deposits | 73.5851% | 3,490 |
| Net loans and leases to core deposits | 75.1762% | 3,764 |
| Total domestic deposits to total assets | 90.6634% | 376 |
| Equity capital to assets | 8.9791% | 5,190 |
| Core capital (leverage) ratio | 8.3599% | 5,508 |
| Tier 1 risk-based capital ratio | 11.1301% | 5,435 |
| Total risk-based capital ratio | 12.2426% | 5,419 |
| Memoranda: | ||
| Average total assets | $401,377,500 | 1,683 |
| Average earning assets | $372,657,500 | 1,671 |
| Average equity | $35,537,500 | 2,057 |
| Average total loans | $267,673,500 | 1,681 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 4,416 |
| Cost of funding earning assets | 0.3874% | 3,290 |
| Net interest margin | 3.2965% | 4,304 |
| Noninterest income to average assets | 0.8331% | 1,666 |
| Noninterest expense to average assets | 3.1152% | 2,185 |
| Loan and lease loss provision to assets | 0.0205% | 3,988 |
| Net operating income to assets | 0.5004% | 4,695 |
| Return on assets (ROA) | 0.5017% | 4,783 |
| Pretax return on assets | 0.7498% | 4,365 |
| Return on Equity (ROE) | 5.6738% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.7863% | 3,341 |
| Net charge-offs to loans | 0.0004% | 4,461 |
| Credit loss provision to net charge-offs | 8,300.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 3,112.0000% | 7 |
| Efficiency ratio | 79.6554% | 1,720 |
| Assets per employee ($millions) | 3.9626% | 4,007 |
| Cash dividends to net income (ytd only)* | 33.2677% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 3,262 |
| Loan loss allowance to noncurrent loans | 2,196.0000% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 4,220 |
| Noncurrent loans to loans | 0.0564% | 5,292 |
| Net loans and leases to total assets | 65.0422% | 3,116 |
| Net loans and leases to deposits | 71.5130% | 3,767 |
| Net loans and leases to core deposits | 73.0291% | 4,037 |
| Total domestic deposits to total assets | 90.9517% | 290 |
| Equity capital to assets | 8.7304% | 5,363 |
| Core capital (leverage) ratio | 8.1507% | 5,731 |
| Tier 1 risk-based capital ratio | 11.2808% | 5,386 |
| Total risk-based capital ratio | 12.4336% | 5,329 |
| Memoranda: | ||
| Average total assets | $405,015,200 | 1,630 |
| Average earning assets | $374,795,800 | 1,623 |
| Average equity | $35,813,600 | 1,990 |
| Average total loans | $270,568,400 | 1,611 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 4,489 |
| Cost of funding earning assets | 0.4021% | 3,207 |
| Net interest margin | 3.2755% | 4,442 |
| Noninterest income to average assets | 0.9312% | 1,371 |
| Noninterest expense to average assets | 2.8665% | 2,950 |
| Loan and lease loss provision to assets | 0.0273% | 3,709 |
| Net operating income to assets | 0.7047% | 3,880 |
| Return on assets (ROA) | 0.7064% | 3,981 |
| Pretax return on assets | 1.0710% | 3,326 |
| Return on Equity (ROE) | 7.9638% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.0053% | 2,243 |
| Net charge-offs to loans | 0.0029% | 4,083 |
| Credit loss provision to net charge-offs | 1,383.3333% | 267 |
| Earnings coverage of net charge-offs (x) | 554.9863% | 131 |
| Efficiency ratio | 71.8651% | 2,911 |
| Assets per employee ($millions) | 3.9910% | 3,889 |
| Cash dividends to net income (ytd only)* | 24.5923% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 3,458 |
| Loan loss allowance to noncurrent loans | 2,237.4150% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 4,133 |
| Noncurrent loans to loans | 0.0552% | 5,398 |
| Net loans and leases to total assets | 65.9158% | 3,027 |
| Net loans and leases to deposits | 72.7349% | 3,681 |
| Net loans and leases to core deposits | 74.0904% | 4,007 |
| Total domestic deposits to total assets | 90.6247% | 357 |
| Equity capital to assets | 9.1924% | 5,124 |
| Core capital (leverage) ratio | 8.4843% | 5,562 |
| Tier 1 risk-based capital ratio | 11.7856% | 5,218 |
| Total risk-based capital ratio | 12.9438% | 5,192 |
| Memoranda: | ||
| Average total assets | $405,222,750 | 1,640 |
| Average earning assets | $374,979,000 | 1,635 |
| Average equity | $35,945,250 | 1,994 |
| Average total loans | $271,664,250 | 1,618 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 4,447 |
| Cost of funding earning assets | 0.4116% | 3,139 |
| Net interest margin | 3.2739% | 4,403 |
| Noninterest income to average assets | 0.9674% | 1,247 |
| Noninterest expense to average assets | 2.7535% | 3,398 |
| Loan and lease loss provision to assets | 0.0408% | 3,300 |
| Net operating income to assets | 0.7892% | 3,442 |
| Return on assets (ROA) | 0.7892% | 3,540 |
| Pretax return on assets | 1.2002% | 2,776 |
| Return on Equity (ROE) | 9.0033% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.1825% | 1,626 |
| Net charge-offs to loans | 0.0293% | 3,082 |
| Credit loss provision to net charge-offs | 207.5000% | 1,199 |
| Earnings coverage of net charge-offs (x) | 63.1750% | 814 |
| Efficiency ratio | 68.5763% | 3,578 |
| Assets per employee ($millions) | 4.1793% | 3,508 |
| Cash dividends to net income (ytd only)* | 20.2240% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 3,791 |
| Loan loss allowance to noncurrent loans | 1,759.4595% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 3,991 |
| Noncurrent loans to loans | 0.0682% | 5,464 |
| Net loans and leases to total assets | 65.4560% | 3,056 |
| Net loans and leases to deposits | 72.0361% | 3,718 |
| Net loans and leases to core deposits | 73.3401% | 4,013 |
| Total domestic deposits to total assets | 90.8655% | 334 |
| Equity capital to assets | 8.8684% | 5,377 |
| Core capital (leverage) ratio | 8.4631% | 5,569 |
| Tier 1 risk-based capital ratio | 11.3645% | 5,539 |
| Total risk-based capital ratio | 12.4777% | 5,535 |
| Memoranda: | ||
| Average total assets | $407,262,670 | 1,639 |
| Average earning assets | $376,553,670 | 1,639 |
| Average equity | $35,698,000 | 2,015 |
| Average total loans | $273,432,000 | 1,612 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 4,512 |
| Cost of funding earning assets | 0.4169% | 3,116 |
| Net interest margin | 3.2401% | 4,451 |
| Noninterest income to average assets | 0.7929% | 1,738 |
| Noninterest expense to average assets | 2.7392% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6776% | 3,905 |
| Return on assets (ROA) | 0.6776% | 4,028 |
| Pretax return on assets | 1.0391% | 3,349 |
| Return on Equity (ROE) | 7.7771% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.6293% | 2,698 |
| Net charge-offs to loans | -0.0117% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1324% | 3,152 |
| Assets per employee ($millions) | 4.0826% | 3,803 |
| Cash dividends to net income (ytd only)* | 27.6163% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 3,882 |
| Loan loss allowance to noncurrent loans | 518.5185% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 3,337 |
| Noncurrent loans to loans | 0.2342% | 4,933 |
| Net loans and leases to total assets | 64.7937% | 2,977 |
| Net loans and leases to deposits | 71.2792% | 3,618 |
| Net loans and leases to core deposits | 72.5763% | 3,907 |
| Total domestic deposits to total assets | 90.9013% | 402 |
| Equity capital to assets | 8.8231% | 5,480 |
| Core capital (leverage) ratio | 8.1487% | 5,850 |
| Tier 1 risk-based capital ratio | 11.3763% | 5,618 |
| Total risk-based capital ratio | 12.5051% | 5,602 |
| Memoranda: | ||
| Average total assets | $406,110,500 | 1,650 |
| Average earning assets | $374,182,500 | 1,654 |
| Average equity | $35,386,000 | 2,043 |
| Average total loans | $274,477,500 | 1,596 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,855 |
| Cost of funding earning assets | 0.4423% | 3,249 |
| Net interest margin | 3.5226% | 3,707 |
| Noninterest income to average assets | 0.8417% | 1,710 |
| Noninterest expense to average assets | 3.1190% | 2,458 |
| Loan and lease loss provision to assets | 0.1319% | 1,983 |
| Net operating income to assets | 0.5381% | 4,645 |
| Return on assets (ROA) | 0.5411% | 4,722 |
| Pretax return on assets | 0.8390% | 4,116 |
| Return on Equity (ROE) | 6.1639% | 4,073 |
| Retained earnings to average equity (ytd only) | 4.3159% | 3,121 |
| Net charge-offs to loans | 0.0483% | 3,859 |
| Credit loss provision to net charge-offs | 395.4887% | 660 |
| Earnings coverage of net charge-offs (x) | 28.9699% | 1,377 |
| Efficiency ratio | 76.0557% | 2,501 |
| Assets per employee ($millions) | 4.1216% | 3,680 |
| Cash dividends to net income (ytd only)* | 29.9815% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 4,385 |
| Loan loss allowance to noncurrent loans | 541.6526% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 3,246 |
| Noncurrent loans to loans | 0.2089% | 5,068 |
| Net loans and leases to total assets | 68.7773% | 2,445 |
| Net loans and leases to deposits | 75.4746% | 3,261 |
| Net loans and leases to core deposits | 76.8303% | 3,622 |
| Total domestic deposits to total assets | 91.1264% | 330 |
| Equity capital to assets | 8.6047% | 5,643 |
| Core capital (leverage) ratio | 8.1098% | 5,922 |
| Tier 1 risk-based capital ratio | 10.5162% | 6,096 |
| Total risk-based capital ratio | 11.5596% | 6,118 |
| Memoranda: | ||
| Average total assets | $398,817,000 | 1,644 |
| Average earning assets | $367,201,400 | 1,639 |
| Average equity | $35,010,400 | 1,995 |
| Average total loans | $275,636,400 | 1,543 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 4,087 |
| Cost of funding earning assets | 0.4453% | 3,308 |
| Net interest margin | 3.4769% | 3,914 |
| Noninterest income to average assets | 0.8689% | 1,629 |
| Noninterest expense to average assets | 2.9053% | 3,097 |
| Loan and lease loss provision to assets | 0.1096% | 2,216 |
| Net operating income to assets | 0.6580% | 4,174 |
| Return on assets (ROA) | 0.6621% | 4,253 |
| Pretax return on assets | 1.0663% | 3,315 |
| Return on Equity (ROE) | 7.5039% | 3,442 |
| Retained earnings to average equity (ytd only) | 5.6022% | 2,672 |
| Net charge-offs to loans | 0.0775% | 3,092 |
| Credit loss provision to net charge-offs | 205.0314% | 1,239 |
| Earnings coverage of net charge-offs (x) | 21.8747% | 1,655 |
| Efficiency ratio | 71.0843% | 3,332 |
| Assets per employee ($millions) | 3.8605% | 4,164 |
| Cash dividends to net income (ytd only)* | 25.3429% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 4,989 |
| Loan loss allowance to noncurrent loans | 562.7341% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 3,126 |
| Noncurrent loans to loans | 0.1865% | 5,350 |
| Net loans and leases to total assets | 71.9450% | 1,860 |
| Net loans and leases to deposits | 79.3375% | 2,791 |
| Net loans and leases to core deposits | 80.6924% | 3,226 |
| Total domestic deposits to total assets | 90.6823% | 455 |
| Equity capital to assets | 9.0856% | 5,263 |
| Core capital (leverage) ratio | 8.3900% | 5,764 |
| Tier 1 risk-based capital ratio | 10.6683% | 6,144 |
| Total risk-based capital ratio | 11.6372% | 6,200 |
| Memoranda: | ||
| Average total assets | $396,510,500 | 1,672 |
| Average earning assets | $365,603,500 | 1,656 |
| Average equity | $34,985,250 | 2,005 |
| Average total loans | $273,582,250 | 1,563 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 4,213 |
| Cost of funding earning assets | 0.4430% | 3,407 |
| Net interest margin | 3.4394% | 4,016 |
| Noninterest income to average assets | 0.8646% | 1,608 |
| Noninterest expense to average assets | 2.8207% | 3,424 |
| Loan and lease loss provision to assets | 0.0644% | 2,979 |
| Net operating income to assets | 0.7076% | 3,798 |
| Return on assets (ROA) | 0.7076% | 3,894 |
| Pretax return on assets | 1.1479% | 2,893 |
| Return on Equity (ROE) | 8.0987% | 3,035 |
| Retained earnings to average equity (ytd only) | 6.2439% | 2,189 |
| Net charge-offs to loans | -0.0163% | 5,472 |
| Credit loss provision to net charge-offs | -581.8182% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7529% | 3,696 |
| Assets per employee ($millions) | 4.1296% | 3,585 |
| Cash dividends to net income (ytd only)* | 22.9018% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 5,022 |
| Loan loss allowance to noncurrent loans | 419.6629% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9069% | 3,277 |
| Noncurrent loans to loans | 0.2550% | 5,250 |
| Net loans and leases to total assets | 68.9644% | 2,242 |
| Net loans and leases to deposits | 75.9026% | 3,070 |
| Net loans and leases to core deposits | 77.1817% | 3,521 |
| Total domestic deposits to total assets | 90.8592% | 450 |
| Equity capital to assets | 8.8400% | 5,481 |
| Core capital (leverage) ratio | 8.2324% | 5,903 |
| Tier 1 risk-based capital ratio | 10.7074% | 6,171 |
| Total risk-based capital ratio | 11.6857% | 6,221 |
| Memoranda: | ||
| Average total assets | $397,425,330 | 1,667 |
| Average earning assets | $366,110,330 | 1,654 |
| Average equity | $34,721,670 | 2,008 |
| Average total loans | $269,343,000 | 1,583 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 4,368 |
| Cost of funding earning assets | 0.4432% | 3,501 |
| Net interest margin | 3.3853% | 4,193 |
| Noninterest income to average assets | 0.8084% | 1,715 |
| Noninterest expense to average assets | 2.8031% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6790% | 3,787 |
| Return on assets (ROA) | 0.6790% | 3,868 |
| Pretax return on assets | 1.1237% | 2,801 |
| Return on Equity (ROE) | 7.8192% | 3,033 |
| Retained earnings to average equity (ytd only) | 5.6433% | 2,720 |
| Net charge-offs to loans | 0.0030% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 556.0000% | 66 |
| Efficiency ratio | 71.2043% | 3,625 |
| Assets per employee ($millions) | 4.4253% | 3,096 |
| Cash dividends to net income (ytd only)* | 27.8274% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 5,168 |
| Loan loss allowance to noncurrent loans | 1,058.2090% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 3,561 |
| Noncurrent loans to loans | 0.1027% | 5,819 |
| Net loans and leases to total assets | 62.6940% | 3,126 |
| Net loans and leases to deposits | 68.7842% | 3,763 |
| Net loans and leases to core deposits | 69.9313% | 4,102 |
| Total domestic deposits to total assets | 91.1459% | 510 |
| Equity capital to assets | 8.4490% | 5,695 |
| Core capital (leverage) ratio | 8.0069% | 6,113 |
| Tier 1 risk-based capital ratio | 11.0735% | 6,126 |
| Total risk-based capital ratio | 12.0517% | 6,200 |
| Memoranda: | ||
| Average total assets | $395,850,000 | 1,683 |
| Average earning assets | $364,633,000 | 1,669 |
| Average equity | $34,377,000 | 2,014 |
| Average total loans | $264,393,000 | 1,614 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 4,183 |
| Cost of funding earning assets | 0.4814% | 3,802 |
| Net interest margin | 3.4913% | 3,941 |
| Noninterest income to average assets | 1.0323% | 1,323 |
| Noninterest expense to average assets | 3.3076% | 2,120 |
| Loan and lease loss provision to assets | 0.1745% | 2,117 |
| Net operating income to assets | 0.5112% | 4,685 |
| Return on assets (ROA) | 0.5112% | 4,815 |
| Pretax return on assets | 0.7655% | 4,278 |
| Return on Equity (ROE) | 5.6723% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.8402% | 3,470 |
| Net charge-offs to loans | 0.0286% | 4,851 |
| Credit loss provision to net charge-offs | 931.9444% | 273 |
| Earnings coverage of net charge-offs (x) | 50.2083% | 791 |
| Efficiency ratio | 77.7227% | 2,505 |
| Assets per employee ($millions) | 4.0441% | 3,772 |
| Cash dividends to net income (ytd only)* | 32.2991% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,310 |
| Loan loss allowance to noncurrent loans | 1,066.9173% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 3,557 |
| Noncurrent loans to loans | 0.0993% | 5,912 |
| Net loans and leases to total assets | 69.7343% | 2,060 |
| Net loans and leases to deposits | 76.8311% | 2,879 |
| Net loans and leases to core deposits | 78.2118% | 3,332 |
| Total domestic deposits to total assets | 90.7631% | 677 |
| Equity capital to assets | 8.9391% | 5,108 |
| Core capital (leverage) ratio | 8.2862% | 5,889 |
| Tier 1 risk-based capital ratio | 10.7386% | 6,287 |
| Total risk-based capital ratio | 11.7025% | 6,334 |
| Memoranda: | ||
| Average total assets | $384,566,200 | 1,709 |
| Average earning assets | $354,164,000 | 1,696 |
| Average equity | $34,659,600 | 1,987 |
| Average total loans | $251,738,200 | 1,651 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 4,317 |
| Cost of funding earning assets | 0.4843% | 3,923 |
| Net interest margin | 3.4653% | 4,033 |
| Noninterest income to average assets | 0.9469% | 1,612 |
| Noninterest expense to average assets | 3.0644% | 2,775 |
| Loan and lease loss provision to assets | 0.2026% | 1,791 |
| Net operating income to assets | 0.5652% | 4,503 |
| Return on assets (ROA) | 0.5652% | 4,656 |
| Pretax return on assets | 0.8736% | 3,997 |
| Return on Equity (ROE) | 6.2590% | 4,042 |
| Retained earnings to average equity (ytd only) | 4.3679% | 3,568 |
| Net charge-offs to loans | 0.0275% | 4,574 |
| Credit loss provision to net charge-offs | 1,149.0196% | 269 |
| Earnings coverage of net charge-offs (x) | 61.0376% | 745 |
| Efficiency ratio | 73.8749% | 3,091 |
| Assets per employee ($millions) | 4.0189% | 3,794 |
| Cash dividends to net income (ytd only)* | 30.2140% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 5,560 |
| Loan loss allowance to noncurrent loans | 833.0330% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 3,704 |
| Noncurrent loans to loans | 0.1248% | 5,950 |
| Net loans and leases to total assets | 69.9096% | 1,987 |
| Net loans and leases to deposits | 77.2902% | 2,776 |
| Net loans and leases to core deposits | 78.7504% | 3,261 |
| Total domestic deposits to total assets | 90.4509% | 765 |
| Equity capital to assets | 9.2056% | 4,931 |
| Core capital (leverage) ratio | 8.4456% | 5,819 |
| Tier 1 risk-based capital ratio | 10.8462% | 6,349 |
| Total risk-based capital ratio | 11.7818% | 6,415 |
| Memoranda: | ||
| Average total assets | $385,670,250 | 1,716 |
| Average earning assets | $355,440,750 | 1,704 |
| Average equity | $34,829,000 | 1,999 |
| Average total loans | $247,689,500 | 1,673 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 4,256 |
| Cost of funding earning assets | 0.4833% | 4,052 |
| Net interest margin | 3.4781% | 3,882 |
| Noninterest income to average assets | 0.9982% | 1,542 |
| Noninterest expense to average assets | 2.8504% | 3,514 |
| Loan and lease loss provision to assets | 0.2256% | 1,675 |
| Net operating income to assets | 0.7206% | 3,716 |
| Return on assets (ROA) | 0.7206% | 3,886 |
| Pretax return on assets | 1.1357% | 2,946 |
| Return on Equity (ROE) | 8.0295% | 3,082 |
| Retained earnings to average equity (ytd only) | 6.2158% | 2,315 |
| Net charge-offs to loans | 0.0124% | 4,614 |
| Credit loss provision to net charge-offs | 2,920.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 176.2000% | 282 |
| Efficiency ratio | 67.5553% | 4,250 |
| Assets per employee ($millions) | 4.1318% | 3,515 |
| Cash dividends to net income (ytd only)* | 22.5876% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 5,566 |
| Loan loss allowance to noncurrent loans | 219.4559% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 3,460 |
| Noncurrent loans to loans | 0.4853% | 5,052 |
| Net loans and leases to total assets | 63.6696% | 2,974 |
| Net loans and leases to deposits | 70.3514% | 3,671 |
| Net loans and leases to core deposits | 71.6457% | 4,087 |
| Total domestic deposits to total assets | 90.5022% | 756 |
| Equity capital to assets | 9.0204% | 5,198 |
| Core capital (leverage) ratio | 8.2424% | 5,969 |
| Tier 1 risk-based capital ratio | 11.4743% | 6,123 |
| Total risk-based capital ratio | 12.4258% | 6,226 |
| Memoranda: | ||
| Average total assets | $388,303,000 | 1,708 |
| Average earning assets | $358,764,000 | 1,691 |
| Average equity | $34,846,670 | 1,999 |
| Average total loans | $241,295,000 | 1,714 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 3,537 |
| Cost of funding earning assets | 0.4853% | 4,236 |
| Net interest margin | 3.6588% | 3,042 |
| Noninterest income to average assets | 0.8283% | 2,004 |
| Noninterest expense to average assets | 2.7507% | 3,870 |
| Loan and lease loss provision to assets | 0.2534% | 1,411 |
| Net operating income to assets | 0.7644% | 3,359 |
| Return on assets (ROA) | 0.7644% | 3,502 |
| Pretax return on assets | 1.2105% | 2,531 |
| Return on Equity (ROE) | 8.5403% | 2,696 |
| Retained earnings to average equity (ytd only) | 6.4570% | 2,429 |
| Net charge-offs to loans | 0.0287% | 3,625 |
| Credit loss provision to net charge-offs | 1,447.0588% | 227 |
| Earnings coverage of net charge-offs (x) | 83.5882% | 449 |
| Efficiency ratio | 65.1430% | 4,808 |
| Assets per employee ($millions) | 4.3996% | 3,153 |
| Cash dividends to net income (ytd only)* | 24.3935% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 5,795 |
| Loan loss allowance to noncurrent loans | 243.6328% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 3,775 |
| Noncurrent loans to loans | 0.4310% | 5,344 |
| Net loans and leases to total assets | 58.7296% | 3,664 |
| Net loans and leases to deposits | 64.6887% | 4,230 |
| Net loans and leases to core deposits | 65.6735% | 4,571 |
| Total domestic deposits to total assets | 90.7881% | 620 |
| Equity capital to assets | 8.8331% | 5,685 |
| Core capital (leverage) ratio | 8.1760% | 5,955 |
| Tier 1 risk-based capital ratio | 11.8479% | 5,997 |
| Total risk-based capital ratio | 12.7738% | 6,143 |
| Memoranda: | ||
| Average total assets | $388,262,000 | 1,723 |
| Average earning assets | $359,350,500 | 1,702 |
| Average equity | $34,753,000 | 2,028 |
| Average total loans | $236,970,000 | 1,753 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 5,603 |
| Cost of funding earning assets | 0.6236% | 4,148 |
| Net interest margin | 3.2653% | 5,377 |
| Noninterest income to average assets | 0.9774% | 1,604 |
| Noninterest expense to average assets | 3.1155% | 2,882 |
| Loan and lease loss provision to assets | 0.4003% | 1,623 |
| Net operating income to assets | 0.3439% | 5,317 |
| Return on assets (ROA) | 0.3439% | 5,537 |
| Pretax return on assets | 0.4816% | 5,338 |
| Return on Equity (ROE) | 3.7505% | 5,251 |
| Retained earnings to average equity (ytd only) | 1.7236% | 4,997 |
| Net charge-offs to loans | 0.7437% | 1,579 |
| Credit loss provision to net charge-offs | 92.1231% | 3,388 |
| Earnings coverage of net charge-offs (x) | 2.0295% | 4,397 |
| Efficiency ratio | 77.8112% | 2,474 |
| Assets per employee ($millions) | 4.0920% | 3,755 |
| Cash dividends to net income (ytd only)* | 54.0435% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 6,169 |
| Loan loss allowance to noncurrent loans | 230.5870% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 3,766 |
| Noncurrent loans to loans | 0.4064% | 5,469 |
| Net loans and leases to total assets | 62.1939% | 3,218 |
| Net loans and leases to deposits | 68.7324% | 3,870 |
| Net loans and leases to core deposits | 69.8846% | 4,329 |
| Total domestic deposits to total assets | 90.4869% | 708 |
| Equity capital to assets | 9.0735% | 5,435 |
| Core capital (leverage) ratio | 8.2755% | 5,912 |
| Tier 1 risk-based capital ratio | 11.5528% | 6,060 |
| Total risk-based capital ratio | 12.3867% | 6,265 |
| Memoranda: | ||
| Average total assets | $373,969,600 | 1,739 |
| Average earning assets | $345,876,000 | 1,723 |
| Average equity | $34,289,000 | 2,019 |
| Average total loans | $218,515,800 | 1,850 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 5,724 |
| Cost of funding earning assets | 0.6566% | 4,136 |
| Net interest margin | 3.2674% | 5,491 |
| Noninterest income to average assets | 0.8859% | 1,884 |
| Noninterest expense to average assets | 2.8577% | 3,760 |
| Loan and lease loss provision to assets | 0.3538% | 1,843 |
| Net operating income to assets | 0.4738% | 4,936 |
| Return on assets (ROA) | 0.4738% | 5,200 |
| Pretax return on assets | 0.6951% | 4,879 |
| Return on Equity (ROE) | 5.1534% | 4,745 |
| Retained earnings to average equity (ytd only) | 2.9955% | 4,754 |
| Net charge-offs to loans | 0.5085% | 2,085 |
| Credit loss provision to net charge-offs | 121.3759% | 2,387 |
| Earnings coverage of net charge-offs (x) | 3.5983% | 3,583 |
| Efficiency ratio | 73.0406% | 3,138 |
| Assets per employee ($millions) | 3.9552% | 3,965 |
| Cash dividends to net income (ytd only)* | 41.8745% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 5,549 |
| Loan loss allowance to noncurrent loans | 79.5689% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.3604% | 3,580 |
| Noncurrent loans to loans | 1.4354% | 3,651 |
| Net loans and leases to total assets | 59.2964% | 3,908 |
| Net loans and leases to deposits | 65.6962% | 4,505 |
| Net loans and leases to core deposits | 66.7957% | 4,868 |
| Total domestic deposits to total assets | 90.2585% | 697 |
| Equity capital to assets | 9.3356% | 5,424 |
| Core capital (leverage) ratio | 8.4146% | 5,881 |
| Tier 1 risk-based capital ratio | 12.6832% | 5,491 |
| Total risk-based capital ratio | 13.7187% | 5,629 |
| Memoranda: | ||
| Average total assets | $372,322,000 | 1,772 |
| Average earning assets | $344,198,500 | 1,753 |
| Average equity | $34,228,750 | 2,038 |
| Average total loans | $213,413,750 | 1,925 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 5,915 |
| Cost of funding earning assets | 0.6976% | 4,031 |
| Net interest margin | 3.2044% | 5,727 |
| Noninterest income to average assets | 0.7860% | 2,258 |
| Noninterest expense to average assets | 2.7291% | 4,292 |
| Loan and lease loss provision to assets | 0.1713% | 3,393 |
| Net operating income to assets | 0.5165% | 4,737 |
| Return on assets (ROA) | 0.5165% | 5,007 |
| Pretax return on assets | 0.8526% | 4,271 |
| Return on Equity (ROE) | 5.6474% | 4,503 |
| Retained earnings to average equity (ytd only) | 3.4049% | 4,333 |
| Net charge-offs to loans | 0.4843% | 2,136 |
| Credit loss provision to net charge-offs | 62.6719% | 3,731 |
| Earnings coverage of net charge-offs (x) | 3.7466% | 3,283 |
| Efficiency ratio | 72.6323% | 3,317 |
| Assets per employee ($millions) | 4.1309% | 3,604 |
| Cash dividends to net income (ytd only)* | 39.7089% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 6,068 |
| Loan loss allowance to noncurrent loans | 65.3593% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 3,663 |
| Noncurrent loans to loans | 1.5632% | 3,564 |
| Net loans and leases to total assets | 56.2570% | 4,425 |
| Net loans and leases to deposits | 62.2990% | 4,960 |
| Net loans and leases to core deposits | 64.3674% | 5,169 |
| Total domestic deposits to total assets | 90.3017% | 763 |
| Equity capital to assets | 9.1665% | 5,503 |
| Core capital (leverage) ratio | 8.2868% | 5,932 |
| Tier 1 risk-based capital ratio | 12.8495% | 5,302 |
| Total risk-based capital ratio | 13.7542% | 5,541 |
| Memoranda: | ||
| Average total assets | $372,499,330 | 1,769 |
| Average earning assets | $344,900,330 | 1,750 |
| Average equity | $34,068,670 | 2,032 |
| Average total loans | $210,216,670 | 1,940 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 6,045 |
| Cost of funding earning assets | 0.7167% | 4,139 |
| Net interest margin | 3.1693% | 5,847 |
| Noninterest income to average assets | 0.4801% | 4,062 |
| Noninterest expense to average assets | 2.6268% | 4,720 |
| Loan and lease loss provision to assets | 0.0960% | 4,150 |
| Net operating income to assets | 0.3862% | 5,318 |
| Return on assets (ROA) | 0.3862% | 5,498 |
| Pretax return on assets | 0.6958% | 4,806 |
| Return on Equity (ROE) | 4.2274% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.1137% | 5,210 |
| Net charge-offs to loans | -0.0249% | 6,261 |
| Credit loss provision to net charge-offs | -684.6154% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7435% | 2,681 |
| Assets per employee ($millions) | 4.1043% | 3,785 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 5,459 |
| Loan loss allowance to noncurrent loans | 120.3307% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 4,527 |
| Noncurrent loans to loans | 1.0015% | 4,674 |
| Net loans and leases to total assets | 52.5697% | 4,941 |
| Net loans and leases to deposits | 58.7901% | 5,295 |
| Net loans and leases to core deposits | 60.9264% | 5,440 |
| Total domestic deposits to total assets | 89.4192% | 1,414 |
| Equity capital to assets | 8.8011% | 5,750 |
| Core capital (leverage) ratio | 8.2855% | 5,897 |
| Tier 1 risk-based capital ratio | 13.2034% | 5,067 |
| Total risk-based capital ratio | 14.2706% | 5,174 |
| Memoranda: | ||
| Average total assets | $370,793,000 | 1,782 |
| Average earning assets | $343,803,000 | 1,759 |
| Average equity | $33,874,000 | 2,044 |
| Average total loans | $208,495,000 | 1,959 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 5,049 |
| Cost of funding earning assets | 0.9018% | 4,104 |
| Net interest margin | 3.6044% | 4,713 |
| Noninterest income to average assets | 0.9135% | 1,627 |
| Noninterest expense to average assets | 3.0808% | 3,265 |
| Loan and lease loss provision to assets | 0.1979% | 4,207 |
| Net operating income to assets | 0.6368% | 3,799 |
| Return on assets (ROA) | 0.6418% | 3,968 |
| Pretax return on assets | 0.9605% | 3,391 |
| Return on Equity (ROE) | 7.1632% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.8544% | 2,747 |
| Net charge-offs to loans | 0.2252% | 4,374 |
| Credit loss provision to net charge-offs | 140.9190% | 2,085 |
| Earnings coverage of net charge-offs (x) | 8.1947% | 2,193 |
| Efficiency ratio | 72.5015% | 3,478 |
| Assets per employee ($millions) | 3.9976% | 3,856 |
| Cash dividends to net income (ytd only)* | 32.2318% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,734 |
| Loan loss allowance to noncurrent loans | 559.6698% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 5,241 |
| Noncurrent loans to loans | 0.2003% | 6,348 |
| Net loans and leases to total assets | 58.8357% | 4,220 |
| Net loans and leases to deposits | 65.3622% | 4,825 |
| Net loans and leases to core deposits | 68.1352% | 5,009 |
| Total domestic deposits to total assets | 90.0150% | 985 |
| Equity capital to assets | 9.4982% | 4,893 |
| Core capital (leverage) ratio | 8.7094% | 5,235 |
| Tier 1 risk-based capital ratio | 13.1327% | 4,965 |
| Total risk-based capital ratio | 14.1569% | 5,122 |
| Memoranda: | ||
| Average total assets | $325,342,200 | 1,980 |
| Average earning assets | $299,520,400 | 1,957 |
| Average equity | $29,149,000 | 2,261 |
| Average total loans | $202,962,800 | 2,016 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 5,041 |
| Cost of funding earning assets | 0.9217% | 4,264 |
| Net interest margin | 3.6376% | 4,630 |
| Noninterest income to average assets | 0.8040% | 2,038 |
| Noninterest expense to average assets | 2.9479% | 3,749 |
| Loan and lease loss provision to assets | 0.1368% | 4,726 |
| Net operating income to assets | 0.7088% | 3,570 |
| Return on assets (ROA) | 0.7155% | 3,706 |
| Pretax return on assets | 1.0764% | 3,111 |
| Return on Equity (ROE) | 8.1223% | 2,994 |
| Retained earnings to average equity (ytd only) | 5.5689% | 2,811 |
| Net charge-offs to loans | 0.1454% | 4,611 |
| Credit loss provision to net charge-offs | 148.8584% | 2,115 |
| Earnings coverage of net charge-offs (x) | 13.0914% | 1,646 |
| Efficiency ratio | 70.7238% | 3,806 |
| Assets per employee ($millions) | 3.8577% | 4,176 |
| Cash dividends to net income (ytd only)* | 31.4370% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,891 |
| Loan loss allowance to noncurrent loans | 629.6703% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 5,350 |
| Noncurrent loans to loans | 0.1747% | 6,523 |
| Net loans and leases to total assets | 60.7079% | 4,002 |
| Net loans and leases to deposits | 67.6359% | 4,674 |
| Net loans and leases to core deposits | 70.7202% | 4,863 |
| Total domestic deposits to total assets | 89.7568% | 1,006 |
| Equity capital to assets | 9.8776% | 4,510 |
| Core capital (leverage) ratio | 9.0263% | 4,888 |
| Tier 1 risk-based capital ratio | 13.5186% | 4,720 |
| Total risk-based capital ratio | 14.5447% | 4,854 |
| Memoranda: | ||
| Average total assets | $317,732,250 | 2,022 |
| Average earning assets | $292,343,500 | 2,011 |
| Average equity | $27,988,000 | 2,334 |
| Average total loans | $200,778,500 | 2,057 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 5,014 |
| Cost of funding earning assets | 0.9346% | 4,426 |
| Net interest margin | 3.6536% | 4,501 |
| Noninterest income to average assets | 0.9282% | 1,541 |
| Noninterest expense to average assets | 2.9824% | 3,708 |
| Loan and lease loss provision to assets | 0.1617% | 4,307 |
| Net operating income to assets | 0.7470% | 3,309 |
| Return on assets (ROA) | 0.7562% | 3,392 |
| Pretax return on assets | 1.1601% | 2,637 |
| Return on Equity (ROE) | 8.9824% | 2,522 |
| Retained earnings to average equity (ytd only) | 6.0520% | 2,393 |
| Net charge-offs to loans | 0.2129% | 3,860 |
| Credit loss provision to net charge-offs | 118.9573% | 2,578 |
| Earnings coverage of net charge-offs (x) | 9.6209% | 1,899 |
| Efficiency ratio | 69.2342% | 4,280 |
| Assets per employee ($millions) | 3.6761% | 4,512 |
| Cash dividends to net income (ytd only)* | 32.6235% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,959 |
| Loan loss allowance to noncurrent loans | 294.8344% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 1.1333% | 4,625 |
| Noncurrent loans to loans | 0.3731% | 6,157 |
| Net loans and leases to total assets | 61.8709% | 3,909 |
| Net loans and leases to deposits | 67.7962% | 4,737 |
| Net loans and leases to core deposits | 71.0379% | 4,947 |
| Total domestic deposits to total assets | 91.2601% | 405 |
| Equity capital to assets | 8.2997% | 6,427 |
| Core capital (leverage) ratio | 7.4139% | 6,800 |
| Tier 1 risk-based capital ratio | 10.9929% | 6,536 |
| Total risk-based capital ratio | 12.0247% | 6,655 |
| Memoranda: | ||
| Average total assets | $310,484,670 | 2,076 |
| Average earning assets | $285,690,670 | 2,069 |
| Average equity | $26,140,000 | 2,448 |
| Average total loans | $198,244,670 | 2,102 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 5,239 |
| Cost of funding earning assets | 0.9381% | 4,664 |
| Net interest margin | 3.5924% | 4,603 |
| Noninterest income to average assets | 0.8908% | 1,689 |
| Noninterest expense to average assets | 2.9291% | 3,949 |
| Loan and lease loss provision to assets | 0.2474% | 3,184 |
| Net operating income to assets | 0.7329% | 3,359 |
| Return on assets (ROA) | 0.7329% | 3,425 |
| Pretax return on assets | 1.0198% | 3,061 |
| Return on Equity (ROE) | 8.6405% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.3363% | 2,976 |
| Net charge-offs to loans | 0.4832% | 2,264 |
| Credit loss provision to net charge-offs | 79.3249% | 3,175 |
| Earnings coverage of net charge-offs (x) | 4.0633% | 2,567 |
| Efficiency ratio | 69.5202% | 4,371 |
| Assets per employee ($millions) | 3.6854% | 4,573 |
| Cash dividends to net income (ytd only)* | 38.2406% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 6,046 |
| Loan loss allowance to noncurrent loans | 248.7776% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 4,589 |
| Noncurrent loans to loans | 0.4423% | 6,122 |
| Net loans and leases to total assets | 59.9115% | 4,283 |
| Net loans and leases to deposits | 65.4339% | 5,056 |
| Net loans and leases to core deposits | 68.6689% | 5,207 |
| Total domestic deposits to total assets | 91.5604% | 401 |
| Equity capital to assets | 8.1137% | 6,376 |
| Core capital (leverage) ratio | 7.4892% | 6,733 |
| Tier 1 risk-based capital ratio | 11.1880% | 6,363 |
| Total risk-based capital ratio | 12.2154% | 6,508 |
| Memoranda: | ||
| Average total assets | $303,980,500 | 2,132 |
| Average earning assets | $279,700,500 | 2,113 |
| Average equity | $25,785,500 | 2,470 |
| Average total loans | $196,180,000 | 2,141 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 3,588 |
| Cost of funding earning assets | 1.1461% | 4,877 |
| Net interest margin | 4.0574% | 2,767 |
| Noninterest income to average assets | 1.2075% | 1,027 |
| Noninterest expense to average assets | 3.4827% | 2,227 |
| Loan and lease loss provision to assets | 0.3024% | 4,388 |
| Net operating income to assets | 0.7765% | 2,892 |
| Return on assets (ROA) | 0.8033% | 2,918 |
| Pretax return on assets | 1.1885% | 2,264 |
| Return on Equity (ROE) | 8.9440% | 2,318 |
| Retained earnings to average equity (ytd only) | 5.8842% | 1,892 |
| Net charge-offs to loans | 0.4666% | 3,750 |
| Credit loss provision to net charge-offs | 96.7890% | 4,797 |
| Earnings coverage of net charge-offs (x) | 4.6456% | 2,851 |
| Efficiency ratio | 69.0509% | 4,366 |
| Assets per employee ($millions) | 3.2651% | 5,501 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,943 |
| Loan loss allowance to noncurrent loans | 199.6347% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 1.5108% | 4,049 |
| Noncurrent loans to loans | 0.5527% | 5,943 |
| Net loans and leases to total assets | 68.1941% | 2,938 |
| Net loans and leases to deposits | 75.1522% | 3,992 |
| Net loans and leases to core deposits | 77.6919% | 4,492 |
| Total domestic deposits to total assets | 90.7413% | 721 |
| Equity capital to assets | 8.8943% | 5,292 |
| Core capital (leverage) ratio | 7.9948% | 6,212 |
| Tier 1 risk-based capital ratio | 10.8582% | 6,441 |
| Total risk-based capital ratio | 11.8936% | 6,573 |
| Memoranda: | ||
| Average total assets | $279,097,800 | 2,290 |
| Average earning assets | $256,348,400 | 2,287 |
| Average equity | $25,067,200 | 2,546 |
| Average total loans | $186,888,200 | 2,278 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 3,700 |
| Cost of funding earning assets | 1.1866% | 4,930 |
| Net interest margin | 4.0400% | 2,908 |
| Noninterest income to average assets | 1.2383% | 894 |
| Noninterest expense to average assets | 3.2885% | 2,609 |
| Loan and lease loss provision to assets | 0.3417% | 3,872 |
| Net operating income to assets | 0.8841% | 2,679 |
| Return on assets (ROA) | 0.8841% | 2,819 |
| Pretax return on assets | 1.3211% | 2,119 |
| Return on Equity (ROE) | 9.8187% | 2,201 |
| Retained earnings to average equity (ytd only) | 6.6277% | 2,029 |
| Net charge-offs to loans | 0.5968% | 2,952 |
| Credit loss provision to net charge-offs | 86.1650% | 4,915 |
| Earnings coverage of net charge-offs (x) | 4.1930% | 3,156 |
| Efficiency ratio | 64.6287% | 5,121 |
| Assets per employee ($millions) | 3.4599% | 5,080 |
| Cash dividends to net income (ytd only)* | 32.4987% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,855 |
| Loan loss allowance to noncurrent loans | 258.6375% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.4869% | 4,222 |
| Noncurrent loans to loans | 0.4330% | 6,329 |
| Net loans and leases to total assets | 65.3656% | 3,829 |
| Net loans and leases to deposits | 72.1968% | 4,814 |
| Net loans and leases to core deposits | 74.4114% | 5,248 |
| Total domestic deposits to total assets | 90.5380% | 625 |
| Equity capital to assets | 9.0138% | 5,559 |
| Core capital (leverage) ratio | 7.9694% | 6,392 |
| Tier 1 risk-based capital ratio | 11.2214% | 6,171 |
| Total risk-based capital ratio | 12.2727% | 6,338 |
| Memoranda: | ||
| Average total assets | $277,039,750 | 2,338 |
| Average earning assets | $254,616,500 | 2,333 |
| Average equity | $24,945,000 | 2,595 |
| Average total loans | $184,078,250 | 2,340 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 4,905 |
| Cost of funding earning assets | 1.2121% | 5,062 |
| Net interest margin | 3.7971% | 3,903 |
| Noninterest income to average assets | 1.1649% | 945 |
| Noninterest expense to average assets | 3.1338% | 3,170 |
| Loan and lease loss provision to assets | 0.4020% | 3,311 |
| Net operating income to assets | 0.7655% | 3,121 |
| Return on assets (ROA) | 0.8200% | 3,027 |
| Pretax return on assets | 1.1949% | 2,435 |
| Return on Equity (ROE) | 9.1102% | 2,418 |
| Retained earnings to average equity (ytd only) | 5.9923% | 2,330 |
| Net charge-offs to loans | 0.7762% | 2,303 |
| Credit loss provision to net charge-offs | 77.7935% | 4,771 |
| Earnings coverage of net charge-offs (x) | 2.9378% | 3,528 |
| Efficiency ratio | 64.9018% | 5,166 |
| Assets per employee ($millions) | 3.5897% | 4,718 |
| Cash dividends to net income (ytd only)* | 34.2246% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,908 |
| Loan loss allowance to noncurrent loans | 104.2021% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.8876% | 3,636 |
| Noncurrent loans to loans | 1.0620% | 5,192 |
| Net loans and leases to total assets | 65.6430% | 3,913 |
| Net loans and leases to deposits | 72.3559% | 4,935 |
| Net loans and leases to core deposits | 74.9085% | 5,334 |
| Total domestic deposits to total assets | 90.7224% | 593 |
| Equity capital to assets | 8.8340% | 5,701 |
| Core capital (leverage) ratio | 8.0458% | 6,204 |
| Tier 1 risk-based capital ratio | 10.9859% | 6,247 |
| Total risk-based capital ratio | 12.0176% | 6,461 |
| Memoranda: | ||
| Average total assets | $273,662,670 | 2,380 |
| Average earning assets | $251,295,000 | 2,382 |
| Average equity | $24,631,670 | 2,631 |
| Average total loans | $182,158,670 | 2,401 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 4,673 |
| Cost of funding earning assets | 1.2501% | 5,111 |
| Net interest margin | 3.8202% | 3,705 |
| Noninterest income to average assets | 1.1507% | 939 |
| Noninterest expense to average assets | 3.1857% | 2,923 |
| Loan and lease loss provision to assets | 0.3722% | 3,137 |
| Net operating income to assets | 0.7845% | 3,034 |
| Return on assets (ROA) | 0.7845% | 3,154 |
| Pretax return on assets | 1.0956% | 2,744 |
| Return on Equity (ROE) | 8.6317% | 2,615 |
| Retained earnings to average equity (ytd only) | 5.1266% | 3,085 |
| Net charge-offs to loans | 1.0228% | 1,610 |
| Credit loss provision to net charge-offs | 54.5852% | 4,409 |
| Earnings coverage of net charge-offs (x) | 2.1528% | 3,459 |
| Efficiency ratio | 65.9309% | 5,127 |
| Assets per employee ($millions) | 3.4282% | 5,212 |
| Cash dividends to net income (ytd only)* | 40.6072% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 5,824 |
| Loan loss allowance to noncurrent loans | 71.1734% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.9850% | 3,520 |
| Noncurrent loans to loans | 1.6007% | 4,344 |
| Net loans and leases to total assets | 65.1053% | 4,082 |
| Net loans and leases to deposits | 71.9634% | 5,056 |
| Net loans and leases to core deposits | 74.8429% | 5,406 |
| Total domestic deposits to total assets | 90.4700% | 750 |
| Equity capital to assets | 9.1028% | 5,126 |
| Core capital (leverage) ratio | 7.9188% | 6,358 |
| Tier 1 risk-based capital ratio | 11.5274% | 5,651 |
| Total risk-based capital ratio | 12.6061% | 5,778 |
| Memoranda: | ||
| Average total assets | $268,700,500 | 2,484 |
| Average earning assets | $246,375,000 | 2,490 |
| Average equity | $24,421,500 | 2,677 |
| Average total loans | $179,119,000 | 2,495 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 5,381 |
| Cost of funding earning assets | 1.5790% | 5,137 |
| Net interest margin | 3.6771% | 4,232 |
| Noninterest income to average assets | 0.8961% | 1,956 |
| Noninterest expense to average assets | 3.4584% | 2,497 |
| Loan and lease loss provision to assets | 0.0493% | 7,070 |
| Net operating income to assets | 0.5786% | 3,413 |
| Return on assets (ROA) | 0.4981% | 3,837 |
| Pretax return on assets | 0.6444% | 3,765 |
| Return on Equity (ROE) | 6.1189% | 3,168 |
| Retained earnings to average equity (ytd only) | 3.6556% | 2,627 |
| Net charge-offs to loans | 0.2029% | 5,367 |
| Credit loss provision to net charge-offs | 38.3041% | 6,843 |
| Earnings coverage of net charge-offs (x) | 6.2047% | 2,415 |
| Efficiency ratio | 78.0822% | 3,178 |
| Assets per employee ($millions) | 3.4620% | 5,098 |
| Cash dividends to net income (ytd only)* | 40.2568% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,087 |
| Loan loss allowance to noncurrent loans | 50.2242% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 1.7804% | 3,702 |
| Noncurrent loans to loans | 2.4794% | 3,067 |
| Net loans and leases to total assets | 66.6394% | 4,006 |
| Net loans and leases to deposits | 73.7612% | 5,085 |
| Net loans and leases to core deposits | 87.3247% | 5,404 |
| Total domestic deposits to total assets | 90.3448% | 810 |
| Equity capital to assets | 9.0745% | 5,020 |
| Core capital (leverage) ratio | 7.7494% | 6,501 |
| Tier 1 risk-based capital ratio | 11.1494% | 5,778 |
| Total risk-based capital ratio | 12.3192% | 5,817 |
| Memoranda: | ||
| Average total assets | $265,813,200 | 2,465 |
| Average earning assets | $242,933,000 | 2,475 |
| Average equity | $21,638,000 | 2,995 |
| Average total loans | $168,538,800 | 2,640 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 6,225 |
| Cost of funding earning assets | 1.6336% | 5,235 |
| Net interest margin | 3.4779% | 4,960 |
| Noninterest income to average assets | 0.9898% | 1,642 |
| Noninterest expense to average assets | 3.3028% | 2,911 |
| Loan and lease loss provision to assets | 0.0467% | 6,903 |
| Net operating income to assets | 0.6000% | 3,602 |
| Return on assets (ROA) | 0.5220% | 3,986 |
| Pretax return on assets | 0.7098% | 3,821 |
| Return on Equity (ROE) | 6.6030% | 3,257 |
| Retained earnings to average equity (ytd only) | 3.8793% | 3,124 |
| Net charge-offs to loans | 0.1143% | 5,536 |
| Credit loss provision to net charge-offs | 65.4930% | 6,071 |
| Earnings coverage of net charge-offs (x) | 12.0915% | 1,795 |
| Efficiency ratio | 76.0636% | 3,503 |
| Assets per employee ($millions) | 3.5133% | 4,894 |
| Cash dividends to net income (ytd only)* | 41.2504% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 3,865 |
| Loan loss allowance to noncurrent loans | 53.1887% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.6943% | 3,838 |
| Noncurrent loans to loans | 2.6605% | 2,846 |
| Net loans and leases to total assets | 59.5395% | 5,657 |
| Net loans and leases to deposits | 66.2684% | 6,284 |
| Net loans and leases to core deposits | 77.9612% | 6,492 |
| Total domestic deposits to total assets | 89.8460% | 828 |
| Equity capital to assets | 7.8328% | 7,007 |
| Core capital (leverage) ratio | 6.8751% | 7,506 |
| Tier 1 risk-based capital ratio | 9.8200% | 7,119 |
| Total risk-based capital ratio | 11.0438% | 7,108 |
| Memoranda: | ||
| Average total assets | $265,623,500 | 2,473 |
| Average earning assets | $242,478,750 | 2,491 |
| Average equity | $21,000,000 | 3,102 |
| Average total loans | $165,703,000 | 2,703 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1474% | 6,261 |
| Cost of funding earning assets | 1.7195% | 5,178 |
| Net interest margin | 3.4279% | 5,071 |
| Noninterest income to average assets | 0.9675% | 1,703 |
| Noninterest expense to average assets | 3.2456% | 3,165 |
| Loan and lease loss provision to assets | 0.0215% | 7,018 |
| Net operating income to assets | 0.5905% | 3,716 |
| Return on assets (ROA) | 0.5928% | 3,816 |
| Pretax return on assets | 0.8124% | 3,629 |
| Return on Equity (ROE) | 7.4728% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.8175% | 2,109 |
| Net charge-offs to loans | 0.1387% | 4,786 |
| Credit loss provision to net charge-offs | 24.5614% | 6,084 |
| Earnings coverage of net charge-offs (x) | 9.4912% | 2,125 |
| Efficiency ratio | 76.2102% | 3,651 |
| Assets per employee ($millions) | 3.3299% | 5,238 |
| Cash dividends to net income (ytd only)* | 22.1503% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 3,488 |
| Loan loss allowance to noncurrent loans | 54.1686% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.6880% | 3,655 |
| Noncurrent loans to loans | 2.6703% | 2,700 |
| Net loans and leases to total assets | 59.7428% | 5,723 |
| Net loans and leases to deposits | 66.4751% | 6,347 |
| Net loans and leases to core deposits | 79.1041% | 6,479 |
| Total domestic deposits to total assets | 89.8725% | 882 |
| Equity capital to assets | 7.8574% | 6,904 |
| Core capital (leverage) ratio | 7.1081% | 7,446 |
| Tier 1 risk-based capital ratio | 10.4695% | 6,405 |
| Total risk-based capital ratio | 11.7187% | 6,352 |
| Memoranda: | ||
| Average total assets | $260,477,330 | 2,543 |
| Average earning assets | $236,235,330 | 2,561 |
| Average equity | $20,661,670 | 3,153 |
| Average total loans | $164,355,670 | 2,750 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 5,975 |
| Cost of funding earning assets | 1.7922% | 5,148 |
| Net interest margin | 3.4883% | 4,778 |
| Noninterest income to average assets | 0.8864% | 1,904 |
| Noninterest expense to average assets | 3.2581% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5895% | 4,059 |
| Return on assets (ROA) | 0.5941% | 4,234 |
| Pretax return on assets | 0.8083% | 4,049 |
| Return on Equity (ROE) | 7.4524% | 3,402 |
| Retained earnings to average equity (ytd only) | 4.0792% | 3,628 |
| Net charge-offs to loans | 0.2379% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.2347% | 2,717 |
| Efficiency ratio | 76.6654% | 3,372 |
| Assets per employee ($millions) | 3.3049% | 5,312 |
| Cash dividends to net income (ytd only)* | 45.2632% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 3,141 |
| Loan loss allowance to noncurrent loans | 80.6098% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 4,368 |
| Noncurrent loans to loans | 1.8235% | 3,528 |
| Net loans and leases to total assets | 59.6569% | 5,713 |
| Net loans and leases to deposits | 66.3562% | 6,344 |
| Net loans and leases to core deposits | 79.5204% | 6,418 |
| Total domestic deposits to total assets | 89.9040% | 842 |
| Equity capital to assets | 7.8017% | 7,070 |
| Core capital (leverage) ratio | 7.1801% | 7,501 |
| Tier 1 risk-based capital ratio | 10.4934% | 6,401 |
| Total risk-based capital ratio | 11.7246% | 6,337 |
| Memoranda: | ||
| Average total assets | $255,855,500 | 2,584 |
| Average earning assets | $232,780,500 | 2,613 |
| Average equity | $20,396,000 | 3,204 |
| Average total loans | $164,781,500 | 2,771 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9523% | 5,802 |
| Cost of funding earning assets | 2.2787% | 5,250 |
| Net interest margin | 3.6736% | 4,587 |
| Noninterest income to average assets | 1.0144% | 1,536 |
| Noninterest expense to average assets | 3.4827% | 2,445 |
| Loan and lease loss provision to assets | 0.5056% | 2,788 |
| Net operating income to assets | 0.3264% | 5,460 |
| Return on assets (ROA) | 0.1616% | 5,788 |
| Pretax return on assets | 0.1897% | 5,755 |
| Return on Equity (ROE) | 1.8742% | 5,652 |
| Retained earnings to average equity (ytd only) | -0.8772% | 5,564 |
| Net charge-offs to loans | 0.2827% | 3,517 |
| Credit loss provision to net charge-offs | 278.5877% | 1,638 |
| Earnings coverage of net charge-offs (x) | 4.8998% | 3,818 |
| Efficiency ratio | 76.5129% | 3,148 |
| Assets per employee ($millions) | 3.0915% | 5,798 |
| Cash dividends to net income (ytd only)* | 146.8031% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 2,942 |
| Loan loss allowance to noncurrent loans | 86.6997% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 3,856 |
| Noncurrent loans to loans | 1.6680% | 3,267 |
| Net loans and leases to total assets | 67.5367% | 4,546 |
| Net loans and leases to deposits | 75.5670% | 5,642 |
| Net loans and leases to core deposits | 88.8057% | 5,908 |
| Total domestic deposits to total assets | 89.3732% | 890 |
| Equity capital to assets | 8.1534% | 6,628 |
| Core capital (leverage) ratio | 7.6539% | 6,996 |
| Tier 1 risk-based capital ratio | 10.0287% | 6,703 |
| Total risk-based capital ratio | 11.2801% | 6,583 |
| Memoranda: | ||
| Average total assets | $241,908,800 | 2,638 |
| Average earning assets | $221,092,600 | 2,648 |
| Average equity | $20,862,400 | 3,114 |
| Average total loans | $155,299,200 | 2,845 |