Home > Better Banks > Performance and Condition Ratios
Better Banks, 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 | 3.9955% | 3,971 |
| Cost of funding earning assets | 1.0271% | 3,234 |
| Net interest margin | 2.9684% | 3,361 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.9881% | 1,145 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7100% | 3,168 |
| Return on assets (ROA) | 0.6693% | 3,250 |
| Pretax return on assets | 0.7278% | 3,380 |
| Return on Equity (ROE) | 13.1800% | 1,681 |
| Retained earnings to average equity (ytd only) | 7.9472% | 1,555 |
| Net charge-offs to loans | 0.1972% | 543 |
| Credit loss provision to net charge-offs | 55.4529% | 2,172 |
| Earnings coverage of net charge-offs (x) | 6.9963% | 2,435 |
| Efficiency ratio | 77.0277% | 1,161 |
| Assets per employee ($millions) | 5.8909% | 2,910 |
| Cash dividends to net income (ytd only)* | 39.7219% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 1,800 |
| Loan loss allowance to noncurrent loans | 136.2409% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 634 |
| Noncurrent loans to loans | 0.9491% | 780 |
| Net loans and leases to total assets | 61.2300% | 2,739 |
| Net loans and leases to deposits | 65.2677% | 3,216 |
| Net loans and leases to core deposits | 65.9382% | 3,501 |
| Total domestic deposits to total assets | 93.8200% | 119 |
| Equity capital to assets | 5.5686% | 4,325 |
| Core capital (leverage) ratio | 8.1784% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4581% | 2,081 |
| Memoranda: | ||
| Average total assets | $451,385,000 | 1,854 |
| Average earning assets | $434,637,800 | 1,794 |
| Average equity | $22,913,800 | 2,636 |
| Average total loans | $274,351,600 | 1,898 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 4,023 |
| Cost of funding earning assets | 0.8924% | 3,290 |
| Net interest margin | 2.9922% | 3,354 |
| Noninterest income to average assets | 1.0000% | 646 |
| Noninterest expense to average assets | 3.0325% | 1,024 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7196% | 3,261 |
| Return on assets (ROA) | 0.7168% | 3,258 |
| Pretax return on assets | 0.7758% | 3,387 |
| Return on Equity (ROE) | 14.4900% | 1,551 |
| Retained earnings to average equity (ytd only) | 7.5678% | 2,114 |
| Net charge-offs to loans | 0.1310% | 617 |
| Credit loss provision to net charge-offs | 84.5865% | 1,731 |
| Earnings coverage of net charge-offs (x) | 10.6805% | 2,115 |
| Efficiency ratio | 77.1492% | 1,079 |
| Assets per employee ($millions) | 5.7179% | 2,999 |
| Cash dividends to net income (ytd only)* | 47.7575% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,451 |
| Loan loss allowance to noncurrent loans | 143.2945% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 677 |
| Noncurrent loans to loans | 0.9759% | 841 |
| Net loans and leases to total assets | 60.6100% | 2,785 |
| Net loans and leases to deposits | 64.0399% | 3,265 |
| Net loans and leases to core deposits | 64.7331% | 3,493 |
| Total domestic deposits to total assets | 94.6400% | 144 |
| Equity capital to assets | 4.6475% | 4,311 |
| Core capital (leverage) ratio | 8.1661% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5291% | 2,069 |
| Memoranda: | ||
| Average total assets | $447,886,000 | 1,859 |
| Average earning assets | $431,203,500 | 1,796 |
| Average equity | $22,163,500 | 2,671 |
| Average total loans | $270,766,750 | 1,914 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 4,055 |
| Cost of funding earning assets | 0.7375% | 3,381 |
| Net interest margin | 3.0379% | 3,336 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 3.0308% | 993 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7331% | 3,264 |
| Return on assets (ROA) | 0.7331% | 3,272 |
| Pretax return on assets | 0.7929% | 3,414 |
| Return on Equity (ROE) | 14.5100% | 1,573 |
| Retained earnings to average equity (ytd only) | 5.1636% | 2,903 |
| Net charge-offs to loans | 0.0636% | 919 |
| Credit loss provision to net charge-offs | 176.4706% | 1,100 |
| Earnings coverage of net charge-offs (x) | 22.5059% | 1,698 |
| Efficiency ratio | 76.8377% | 1,103 |
| Assets per employee ($millions) | 5.7830% | 2,902 |
| Cash dividends to net income (ytd only)* | 64.4172% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 1,180 |
| Loan loss allowance to noncurrent loans | 150.5593% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8165% | 624 |
| Noncurrent loans to loans | 0.9961% | 760 |
| Net loans and leases to total assets | 58.7900% | 2,886 |
| Net loans and leases to deposits | 62.2229% | 3,292 |
| Net loans and leases to core deposits | 62.6751% | 3,512 |
| Total domestic deposits to total assets | 94.4900% | 121 |
| Equity capital to assets | 5.0298% | 4,377 |
| Core capital (leverage) ratio | 8.1232% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6985% | 2,020 |
| Memoranda: | ||
| Average total assets | $444,705,000 | 1,875 |
| Average earning assets | $427,925,667 | 1,816 |
| Average equity | $22,465,000 | 2,663 |
| Average total loans | $267,300,667 | 1,920 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,088 |
| Cost of funding earning assets | 0.6019% | 3,380 |
| Net interest margin | 3.0576% | 3,444 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 3.0431% | 1,002 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7918% | 3,219 |
| Return on assets (ROA) | 0.7918% | 3,170 |
| Pretax return on assets | 0.8326% | 3,386 |
| Return on Equity (ROE) | 15.6400% | 1,430 |
| Retained earnings to average equity (ytd only) | 0.9663% | 3,869 |
| Net charge-offs to loans | 0.1036% | 585 |
| Credit loss provision to net charge-offs | 108.6957% | 1,070 |
| Earnings coverage of net charge-offs (x) | 14.4058% | 1,569 |
| Efficiency ratio | 76.1314% | 1,156 |
| Assets per employee ($millions) | 5.3860% | 3,331 |
| Cash dividends to net income (ytd only)* | 93.8215% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,230 |
| Loan loss allowance to noncurrent loans | 127.8599% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9313% | 463 |
| Noncurrent loans to loans | 1.1798% | 594 |
| Net loans and leases to total assets | 58.8200% | 2,782 |
| Net loans and leases to deposits | 62.2712% | 3,211 |
| Net loans and leases to core deposits | 62.5804% | 3,416 |
| Total domestic deposits to total assets | 94.4600% | 132 |
| Equity capital to assets | 5.1389% | 4,396 |
| Core capital (leverage) ratio | 8.1203% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7020% | 2,091 |
| Memoranda: | ||
| Average total assets | $441,520,500 | 1,901 |
| Average earning assets | $424,651,500 | 1,848 |
| Average equity | $22,353,500 | 2,694 |
| Average total loans | $266,330,000 | 1,942 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 3,426 |
| Cost of funding earning assets | 0.2120% | 3,662 |
| Net interest margin | 3.1550% | 3,006 |
| Noninterest income to average assets | 1.0400% | 600 |
| Noninterest expense to average assets | 2.9475% | 1,051 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.9462% | 2,785 |
| Return on assets (ROA) | 0.9491% | 2,723 |
| Pretax return on assets | 1.0288% | 2,985 |
| Return on Equity (ROE) | 16.6000% | 942 |
| Retained earnings to average equity (ytd only) | 9.5702% | 1,293 |
| Net charge-offs to loans | 0.1463% | 560 |
| Credit loss provision to net charge-offs | 111.3111% | 1,500 |
| Earnings coverage of net charge-offs (x) | 12.9177% | 2,090 |
| Efficiency ratio | 71.4286% | 1,509 |
| Assets per employee ($millions) | 5.6588% | 3,077 |
| Cash dividends to net income (ytd only)* | 42.3629% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,267 |
| Loan loss allowance to noncurrent loans | 100.6722% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 444 |
| Noncurrent loans to loans | 1.2172% | 576 |
| Net loans and leases to total assets | 60.1700% | 2,616 |
| Net loans and leases to deposits | 63.5805% | 3,073 |
| Net loans and leases to core deposits | 63.8364% | 3,273 |
| Total domestic deposits to total assets | 94.6400% | 180 |
| Equity capital to assets | 4.9868% | 4,367 |
| Core capital (leverage) ratio | 8.3206% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6687% | 2,098 |
| Memoranda: | ||
| Average total assets | $447,702,000 | 1,862 |
| Average earning assets | $430,582,600 | 1,817 |
| Average equity | $25,589,800 | 2,554 |
| Average total loans | $265,961,200 | 1,868 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2954% | 3,188 |
| Cost of funding earning assets | 0.1573% | 3,759 |
| Net interest margin | 3.1381% | 2,807 |
| Noninterest income to average assets | 1.0200% | 639 |
| Noninterest expense to average assets | 2.9437% | 985 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.8973% | 2,873 |
| Return on assets (ROA) | 0.9011% | 2,838 |
| Pretax return on assets | 0.9879% | 3,053 |
| Return on Equity (ROE) | 15.6500% | 1,051 |
| Retained earnings to average equity (ytd only) | 7.9064% | 2,038 |
| Net charge-offs to loans | 0.0553% | 932 |
| Credit loss provision to net charge-offs | 325.4545% | 780 |
| Earnings coverage of net charge-offs (x) | 33.3455% | 1,471 |
| Efficiency ratio | 71.9664% | 1,513 |
| Assets per employee ($millions) | 5.4970% | 3,221 |
| Cash dividends to net income (ytd only)* | 49.4723% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 1,983 |
| Loan loss allowance to noncurrent loans | 125.8633% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 562 |
| Noncurrent loans to loans | 1.0413% | 734 |
| Net loans and leases to total assets | 60.6700% | 2,430 |
| Net loans and leases to deposits | 63.4283% | 2,907 |
| Net loans and leases to core deposits | 65.4012% | 2,995 |
| Total domestic deposits to total assets | 95.6500% | 159 |
| Equity capital to assets | 3.9188% | 4,481 |
| Core capital (leverage) ratio | 7.9469% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4700% | 2,279 |
| Memoranda: | ||
| Average total assets | $448,631,000 | 1,866 |
| Average earning assets | $431,498,250 | 1,825 |
| Average equity | $25,835,000 | 2,581 |
| Average total loans | $265,228,750 | 1,876 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2038% | 3,031 |
| Cost of funding earning assets | 0.1229% | 3,930 |
| Net interest margin | 3.0809% | 2,597 |
| Noninterest income to average assets | 0.9880% | 690 |
| Noninterest expense to average assets | 2.8803% | 1,029 |
| Loan and lease loss provision to assets | 0.1248% | 783 |
| Net operating income to assets | 0.8462% | 2,795 |
| Return on assets (ROA) | 0.8518% | 2,744 |
| Pretax return on assets | 0.9514% | 2,894 |
| Return on Equity (ROE) | 13.4218% | 1,262 |
| Retained earnings to average equity (ytd only) | 7.1662% | 1,930 |
| Net charge-offs to loans | 0.0333% | 1,070 |
| Credit loss provision to net charge-offs | 643.1818% | 538 |
| Earnings coverage of net charge-offs (x) | 55.1364% | 1,115 |
| Efficiency ratio | 71.8848% | 1,742 |
| Assets per employee ($millions) | 5.3594% | 3,379 |
| Cash dividends to net income (ytd only)* | 46.6080% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 2,134 |
| Loan loss allowance to noncurrent loans | 162.1458% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 745 |
| Noncurrent loans to loans | 0.8089% | 1,063 |
| Net loans and leases to total assets | 59.7728% | 2,349 |
| Net loans and leases to deposits | 63.2407% | 2,787 |
| Net loans and leases to core deposits | 67.5861% | 2,691 |
| Total domestic deposits to total assets | 94.5163% | 198 |
| Equity capital to assets | 5.1362% | 4,451 |
| Core capital (leverage) ratio | 7.8027% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2743% | 2,384 |
| Memoranda: | ||
| Average total assets | $453,419,333 | 1,866 |
| Average earning assets | $435,976,000 | 1,824 |
| Average equity | $28,774,000 | 2,480 |
| Average total loans | $264,647,333 | 1,876 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2270% | 2,608 |
| Cost of funding earning assets | 0.1119% | 3,982 |
| Net interest margin | 3.1150% | 2,122 |
| Noninterest income to average assets | 1.0331% | 640 |
| Noninterest expense to average assets | 2.9960% | 820 |
| Loan and lease loss provision to assets | 0.0602% | 1,327 |
| Net operating income to assets | 0.8133% | 2,624 |
| Return on assets (ROA) | 0.8133% | 2,612 |
| Pretax return on assets | 0.9669% | 2,548 |
| Return on Equity (ROE) | 11.3368% | 1,506 |
| Retained earnings to average equity (ytd only) | 0.8398% | 3,857 |
| Net charge-offs to loans | 0.0131% | 1,290 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 127.8750% | 592 |
| Efficiency ratio | 73.3217% | 1,822 |
| Assets per employee ($millions) | 5.2814% | 3,504 |
| Cash dividends to net income (ytd only)* | 92.5926% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,523 |
| Loan loss allowance to noncurrent loans | 155.5048% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 721 |
| Noncurrent loans to loans | 0.8135% | 1,161 |
| Net loans and leases to total assets | 62.0456% | 1,854 |
| Net loans and leases to deposits | 66.5602% | 2,289 |
| Net loans and leases to core deposits | 72.6076% | 2,059 |
| Total domestic deposits to total assets | 93.2173% | 221 |
| Equity capital to assets | 6.4419% | 4,449 |
| Core capital (leverage) ratio | 7.4228% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4757% | 2,781 |
| Memoranda: | ||
| Average total assets | $398,401,000 | 2,058 |
| Average earning assets | $382,403,000 | 2,019 |
| Average equity | $28,579,500 | 2,563 |
| Average total loans | $245,097,500 | 1,960 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 2,975 |
| Cost of funding earning assets | 0.1494% | 3,986 |
| Net interest margin | 3.2349% | 2,503 |
| Noninterest income to average assets | 1.1956% | 738 |
| Noninterest expense to average assets | 3.0291% | 940 |
| Loan and lease loss provision to assets | 0.1489% | 810 |
| Net operating income to assets | 1.0578% | 2,449 |
| Return on assets (ROA) | 1.0522% | 2,551 |
| Pretax return on assets | 1.1066% | 2,951 |
| Return on Equity (ROE) | 12.6375% | 1,593 |
| Retained earnings to average equity (ytd only) | 6.6850% | 2,043 |
| Net charge-offs to loans | 0.0699% | 1,092 |
| Credit loss provision to net charge-offs | 358.7500% | 974 |
| Earnings coverage of net charge-offs (x) | 30.3875% | 1,596 |
| Efficiency ratio | 69.4606% | 1,797 |
| Assets per employee ($millions) | 5.6337% | 3,134 |
| Cash dividends to net income (ytd only)* | 47.1023% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,807 |
| Loan loss allowance to noncurrent loans | 186.7948% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 1,034 |
| Noncurrent loans to loans | 0.6506% | 1,533 |
| Net loans and leases to total assets | 59.5500% | 2,206 |
| Net loans and leases to deposits | 64.8875% | 2,608 |
| Net loans and leases to core deposits | 70.9997% | 2,356 |
| Total domestic deposits to total assets | 91.7741% | 243 |
| Equity capital to assets | 7.8594% | 4,440 |
| Core capital (leverage) ratio | 7.2567% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2331% | 2,829 |
| Memoranda: | ||
| Average total assets | $385,397,800 | 2,039 |
| Average earning assets | $368,726,400 | 2,010 |
| Average equity | $32,087,000 | 2,419 |
| Average total loans | $228,910,200 | 2,057 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3712% | 3,188 |
| Cost of funding earning assets | 0.1583% | 4,031 |
| Net interest margin | 3.2129% | 2,691 |
| Noninterest income to average assets | 1.1970% | 791 |
| Noninterest expense to average assets | 3.0158% | 942 |
| Loan and lease loss provision to assets | 0.0810% | 1,466 |
| Net operating income to assets | 1.1522% | 2,357 |
| Return on assets (ROA) | 1.1442% | 2,451 |
| Pretax return on assets | 1.1625% | 3,039 |
| Return on Equity (ROE) | 13.5378% | 1,540 |
| Retained earnings to average equity (ytd only) | 6.4192% | 2,640 |
| Net charge-offs to loans | 0.0857% | 833 |
| Credit loss provision to net charge-offs | 159.7222% | 1,322 |
| Earnings coverage of net charge-offs (x) | 24.7014% | 1,635 |
| Efficiency ratio | 69.5003% | 1,654 |
| Assets per employee ($millions) | 5.6159% | 3,078 |
| Cash dividends to net income (ytd only)* | 52.5830% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 3,301 |
| Loan loss allowance to noncurrent loans | 181.7874% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 1,246 |
| Noncurrent loans to loans | 0.6204% | 1,757 |
| Net loans and leases to total assets | 58.2185% | 2,460 |
| Net loans and leases to deposits | 63.6082% | 2,891 |
| Net loans and leases to core deposits | 70.8352% | 2,527 |
| Total domestic deposits to total assets | 91.5268% | 232 |
| Equity capital to assets | 8.0409% | 4,503 |
| Core capital (leverage) ratio | 7.1767% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6264% | 2,821 |
| Memoranda: | ||
| Average total assets | $378,931,500 | 2,087 |
| Average earning assets | $362,112,250 | 2,051 |
| Average equity | $32,028,000 | 2,457 |
| Average total loans | $224,157,750 | 2,115 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3560% | 3,292 |
| Cost of funding earning assets | 0.1690% | 4,052 |
| Net interest margin | 3.1870% | 2,791 |
| Noninterest income to average assets | 1.2271% | 772 |
| Noninterest expense to average assets | 3.0470% | 911 |
| Loan and lease loss provision to assets | 0.0918% | 1,361 |
| Net operating income to assets | 1.1037% | 2,534 |
| Return on assets (ROA) | 1.0916% | 2,647 |
| Pretax return on assets | 1.1197% | 3,145 |
| Return on Equity (ROE) | 12.6905% | 1,825 |
| Retained earnings to average equity (ytd only) | 4.7825% | 3,267 |
| Net charge-offs to loans | 0.1102% | 694 |
| Credit loss provision to net charge-offs | 140.4959% | 1,188 |
| Earnings coverage of net charge-offs (x) | 18.7355% | 1,559 |
| Efficiency ratio | 70.2060% | 1,611 |
| Assets per employee ($millions) | 5.3568% | 3,281 |
| Cash dividends to net income (ytd only)* | 62.3145% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 3,099 |
| Loan loss allowance to noncurrent loans | 172.5081% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 1,246 |
| Noncurrent loans to loans | 0.6774% | 1,731 |
| Net loans and leases to total assets | 58.8874% | 2,554 |
| Net loans and leases to deposits | 64.6131% | 2,938 |
| Net loans and leases to core deposits | 70.4742% | 2,736 |
| Total domestic deposits to total assets | 91.1385% | 331 |
| Equity capital to assets | 8.4169% | 4,267 |
| Core capital (leverage) ratio | 7.4066% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9807% | 2,729 |
| Memoranda: | ||
| Average total assets | $370,460,667 | 2,116 |
| Average earning assets | $353,813,000 | 2,077 |
| Average equity | $31,866,333 | 2,455 |
| Average total loans | $219,514,333 | 2,148 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 3,420 |
| Cost of funding earning assets | 0.1741% | 4,128 |
| Net interest margin | 3.1373% | 2,883 |
| Noninterest income to average assets | 1.2858% | 766 |
| Noninterest expense to average assets | 3.0652% | 884 |
| Loan and lease loss provision to assets | 0.0657% | 1,832 |
| Net operating income to assets | 1.0954% | 2,495 |
| Return on assets (ROA) | 1.0954% | 2,571 |
| Pretax return on assets | 1.1523% | 2,981 |
| Return on Equity (ROE) | 12.5938% | 1,795 |
| Retained earnings to average equity (ytd only) | 3.0321% | 3,772 |
| Net charge-offs to loans | 0.0574% | 939 |
| Credit loss provision to net charge-offs | 193.5484% | 896 |
| Earnings coverage of net charge-offs (x) | 35.9032% | 1,017 |
| Efficiency ratio | 70.4139% | 1,655 |
| Assets per employee ($millions) | 5.4016% | 3,222 |
| Cash dividends to net income (ytd only)* | 75.9241% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,827 |
| Loan loss allowance to noncurrent loans | 163.7383% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 1,364 |
| Noncurrent loans to loans | 0.7441% | 1,748 |
| Net loans and leases to total assets | 56.3504% | 2,991 |
| Net loans and leases to deposits | 61.6790% | 3,353 |
| Net loans and leases to core deposits | 68.2647% | 3,040 |
| Total domestic deposits to total assets | 91.3607% | 273 |
| Equity capital to assets | 8.2547% | 4,325 |
| Core capital (leverage) ratio | 7.5153% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5852% | 2,453 |
| Memoranda: | ||
| Average total assets | $365,525,500 | 2,121 |
| Average earning assets | $349,223,000 | 2,084 |
| Average equity | $31,793,500 | 2,446 |
| Average total loans | $215,964,000 | 2,172 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 3,496 |
| Cost of funding earning assets | 0.3452% | 3,893 |
| Net interest margin | 3.3846% | 2,818 |
| Noninterest income to average assets | 1.5435% | 509 |
| Noninterest expense to average assets | 3.3727% | 819 |
| Loan and lease loss provision to assets | 0.3869% | 831 |
| Net operating income to assets | 0.9789% | 2,360 |
| Return on assets (ROA) | 0.9789% | 2,510 |
| Pretax return on assets | 0.9905% | 3,074 |
| Return on Equity (ROE) | 10.0189% | 2,000 |
| Retained earnings to average equity (ytd only) | 3.9727% | 2,841 |
| Net charge-offs to loans | 0.0889% | 1,567 |
| Credit loss provision to net charge-offs | 653.1915% | 1,050 |
| Earnings coverage of net charge-offs (x) | 23.2553% | 1,812 |
| Efficiency ratio | 69.8614% | 1,968 |
| Assets per employee ($millions) | 5.1903% | 3,177 |
| Cash dividends to net income (ytd only)* | 60.3476% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 2,934 |
| Loan loss allowance to noncurrent loans | 155.5356% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 1,356 |
| Noncurrent loans to loans | 0.7728% | 1,782 |
| Net loans and leases to total assets | 60.5298% | 2,787 |
| Net loans and leases to deposits | 66.9491% | 3,192 |
| Net loans and leases to core deposits | 72.4743% | 3,030 |
| Total domestic deposits to total assets | 90.4117% | 410 |
| Equity capital to assets | 9.1729% | 3,913 |
| Core capital (leverage) ratio | 7.9944% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6871% | 2,371 |
| Memoranda: | ||
| Average total assets | $317,400,200 | 2,204 |
| Average earning assets | $300,710,800 | 2,172 |
| Average equity | $31,011,400 | 2,431 |
| Average total loans | $211,411,000 | 2,156 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 3,452 |
| Cost of funding earning assets | 0.3927% | 3,846 |
| Net interest margin | 3.4423% | 2,773 |
| Noninterest income to average assets | 1.5191% | 505 |
| Noninterest expense to average assets | 3.3597% | 837 |
| Loan and lease loss provision to assets | 0.4956% | 595 |
| Net operating income to assets | 0.9019% | 2,699 |
| Return on assets (ROA) | 0.9019% | 2,823 |
| Pretax return on assets | 0.9179% | 3,334 |
| Return on Equity (ROE) | 9.0726% | 2,371 |
| Retained earnings to average equity (ytd only) | 3.0952% | 3,483 |
| Net charge-offs to loans | 0.0844% | 1,464 |
| Credit loss provision to net charge-offs | 862.4060% | 927 |
| Earnings coverage of net charge-offs (x) | 24.5940% | 1,753 |
| Efficiency ratio | 69.2168% | 2,003 |
| Assets per employee ($millions) | 4.8691% | 3,408 |
| Cash dividends to net income (ytd only)* | 65.8840% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,876 |
| Loan loss allowance to noncurrent loans | 148.3852% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 1,395 |
| Noncurrent loans to loans | 0.7834% | 1,863 |
| Net loans and leases to total assets | 66.0780% | 2,508 |
| Net loans and leases to deposits | 74.5748% | 2,902 |
| Net loans and leases to core deposits | 79.6200% | 2,875 |
| Total domestic deposits to total assets | 88.6064% | 938 |
| Equity capital to assets | 9.6322% | 3,572 |
| Core capital (leverage) ratio | 8.3794% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6775% | 2,333 |
| Memoranda: | ||
| Average total assets | $308,515,250 | 2,229 |
| Average earning assets | $291,659,500 | 2,210 |
| Average equity | $30,670,500 | 2,436 |
| Average total loans | $210,205,500 | 2,164 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 3,852 |
| Cost of funding earning assets | 0.4427% | 3,827 |
| Net interest margin | 3.3596% | 3,224 |
| Noninterest income to average assets | 1.4260% | 516 |
| Noninterest expense to average assets | 3.3868% | 872 |
| Loan and lease loss provision to assets | 0.1887% | 2,137 |
| Net operating income to assets | 0.9974% | 2,338 |
| Return on assets (ROA) | 0.9974% | 2,464 |
| Pretax return on assets | 1.0220% | 2,959 |
| Return on Equity (ROE) | 9.9196% | 2,009 |
| Retained earnings to average equity (ytd only) | 3.3440% | 3,255 |
| Net charge-offs to loans | 0.0940% | 1,322 |
| Credit loss provision to net charge-offs | 292.7835% | 1,641 |
| Earnings coverage of net charge-offs (x) | 18.7835% | 1,753 |
| Efficiency ratio | 72.4382% | 1,628 |
| Assets per employee ($millions) | 4.7423% | 3,483 |
| Cash dividends to net income (ytd only)* | 66.2891% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 4,342 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 1,569 |
| Noncurrent loans to loans | 0.7113% | 2,097 |
| Net loans and leases to total assets | 67.1223% | 2,485 |
| Net loans and leases to deposits | 75.8131% | 2,891 |
| Net loans and leases to core deposits | 77.9397% | 3,113 |
| Total domestic deposits to total assets | 88.5365% | 928 |
| Equity capital to assets | 9.7700% | 3,404 |
| Core capital (leverage) ratio | 8.9123% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8956% | 2,224 |
| Memoranda: | ||
| Average total assets | $300,987,667 | 2,246 |
| Average earning assets | $284,142,333 | 2,223 |
| Average equity | $30,263,333 | 2,449 |
| Average total loans | $206,488,667 | 2,173 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,917 |
| Cost of funding earning assets | 0.5089% | 3,899 |
| Net interest margin | 3.4441% | 3,169 |
| Noninterest income to average assets | 1.2224% | 590 |
| Noninterest expense to average assets | 3.6218% | 797 |
| Loan and lease loss provision to assets | 0.0827% | 2,661 |
| Net operating income to assets | 0.7125% | 3,234 |
| Return on assets (ROA) | 0.7125% | 3,311 |
| Pretax return on assets | 0.7635% | 3,512 |
| Return on Equity (ROE) | 6.9766% | 2,960 |
| Retained earnings to average equity (ytd only) | -1.9972% | 4,253 |
| Net charge-offs to loans | 0.1396% | 900 |
| Credit loss provision to net charge-offs | 85.7143% | 1,912 |
| Earnings coverage of net charge-offs (x) | 8.7714% | 1,848 |
| Efficiency ratio | 79.7347% | 1,165 |
| Assets per employee ($millions) | 4.3634% | 3,456 |
| Cash dividends to net income (ytd only)* | 128.6267% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,466 |
| Loan loss allowance to noncurrent loans | 83.8291% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9749% | 1,360 |
| Noncurrent loans to loans | 0.9223% | 1,780 |
| Net loans and leases to total assets | 68.0438% | 2,532 |
| Net loans and leases to deposits | 76.0954% | 3,066 |
| Net loans and leases to core deposits | 78.3088% | 3,332 |
| Total domestic deposits to total assets | 89.4191% | 499 |
| Equity capital to assets | 10.1626% | 3,636 |
| Core capital (leverage) ratio | 9.0538% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4663% | 2,493 |
| Memoranda: | ||
| Average total assets | $290,243,000 | 2,262 |
| Average earning assets | $273,511,000 | 2,238 |
| Average equity | $29,642,000 | 2,477 |
| Average total loans | $200,633,000 | 2,179 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 4,303 |
| Cost of funding earning assets | 0.5163% | 4,012 |
| Net interest margin | 3.4614% | 3,561 |
| Noninterest income to average assets | 1.1894% | 667 |
| Noninterest expense to average assets | 3.4559% | 1,027 |
| Loan and lease loss provision to assets | 0.0825% | 2,359 |
| Net operating income to assets | 0.9132% | 3,157 |
| Return on assets (ROA) | 0.9098% | 3,253 |
| Pretax return on assets | 0.9201% | 3,677 |
| Return on Equity (ROE) | 9.5351% | 2,504 |
| Retained earnings to average equity (ytd only) | 5.0694% | 2,383 |
| Net charge-offs to loans | 0.0878% | 1,863 |
| Credit loss provision to net charge-offs | 137.5000% | 1,871 |
| Earnings coverage of net charge-offs (x) | 16.7670% | 2,144 |
| Efficiency ratio | 76.4077% | 1,316 |
| Assets per employee ($millions) | 4.1759% | 3,662 |
| Cash dividends to net income (ytd only)* | 46.8340% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 4,375 |
| Loan loss allowance to noncurrent loans | 266.0410% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 2,241 |
| Noncurrent loans to loans | 0.2918% | 3,383 |
| Net loans and leases to total assets | 69.1448% | 2,527 |
| Net loans and leases to deposits | 77.4313% | 3,066 |
| Net loans and leases to core deposits | 79.6410% | 3,327 |
| Total domestic deposits to total assets | 89.2982% | 560 |
| Equity capital to assets | 10.2638% | 3,661 |
| Core capital (leverage) ratio | 9.0377% | 4,500 |
| Tier 1 risk-based capital ratio | 12.8299% | 3,882 |
| Total risk-based capital ratio | 13.6018% | 4,024 |
| Memoranda: | ||
| Average total assets | $293,350,400 | 2,200 |
| Average earning assets | $277,345,000 | 2,162 |
| Average equity | $27,991,400 | 2,495 |
| Average total loans | $200,511,400 | 2,162 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 4,467 |
| Cost of funding earning assets | 0.5058% | 4,115 |
| Net interest margin | 3.4393% | 3,760 |
| Noninterest income to average assets | 1.1484% | 691 |
| Noninterest expense to average assets | 3.4290% | 1,041 |
| Loan and lease loss provision to assets | 0.0824% | 2,259 |
| Net operating income to assets | 0.8786% | 3,420 |
| Return on assets (ROA) | 0.8711% | 3,531 |
| Pretax return on assets | 0.8846% | 3,926 |
| Return on Equity (ROE) | 9.3007% | 2,759 |
| Retained earnings to average equity (ytd only) | 3.9860% | 3,401 |
| Net charge-offs to loans | 0.0745% | 1,754 |
| Credit loss provision to net charge-offs | 162.5000% | 1,537 |
| Earnings coverage of net charge-offs (x) | 19.2321% | 2,009 |
| Efficiency ratio | 76.8085% | 1,238 |
| Assets per employee ($millions) | 4.1473% | 3,690 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 4,438 |
| Loan loss allowance to noncurrent loans | 405.9740% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 2,617 |
| Noncurrent loans to loans | 0.1946% | 3,839 |
| Net loans and leases to total assets | 67.6232% | 2,848 |
| Net loans and leases to deposits | 75.6178% | 3,332 |
| Net loans and leases to core deposits | 77.5888% | 3,583 |
| Total domestic deposits to total assets | 89.4276% | 468 |
| Equity capital to assets | 10.0657% | 3,952 |
| Core capital (leverage) ratio | 8.7616% | 4,799 |
| Tier 1 risk-based capital ratio | 12.7115% | 4,023 |
| Total risk-based capital ratio | 13.4973% | 4,169 |
| Memoranda: | ||
| Average total assets | $294,653,250 | 2,203 |
| Average earning assets | $278,884,000 | 2,168 |
| Average equity | $27,595,750 | 2,534 |
| Average total loans | $200,441,250 | 2,180 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 4,570 |
| Cost of funding earning assets | 0.4833% | 4,191 |
| Net interest margin | 3.4058% | 3,877 |
| Noninterest income to average assets | 1.0341% | 812 |
| Noninterest expense to average assets | 3.3941% | 1,113 |
| Loan and lease loss provision to assets | 0.0824% | 2,195 |
| Net operating income to assets | 0.7596% | 3,796 |
| Return on assets (ROA) | 0.7497% | 3,896 |
| Pretax return on assets | 0.7700% | 4,166 |
| Return on Equity (ROE) | 8.2059% | 3,199 |
| Retained earnings to average equity (ytd only) | 1.1828% | 4,382 |
| Net charge-offs to loans | 0.0775% | 1,590 |
| Credit loss provision to net charge-offs | 156.4103% | 1,446 |
| Earnings coverage of net charge-offs (x) | 16.3718% | 1,934 |
| Efficiency ratio | 78.6576% | 1,079 |
| Assets per employee ($millions) | 4.2455% | 3,499 |
| Cash dividends to net income (ytd only)* | 85.5856% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 4,534 |
| Loan loss allowance to noncurrent loans | 109.6222% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 1,715 |
| Noncurrent loans to loans | 0.7053% | 2,213 |
| Net loans and leases to total assets | 67.3835% | 2,909 |
| Net loans and leases to deposits | 75.4880% | 3,377 |
| Net loans and leases to core deposits | 76.1831% | 3,712 |
| Total domestic deposits to total assets | 89.2639% | 558 |
| Equity capital to assets | 9.6321% | 4,289 |
| Core capital (leverage) ratio | 8.4422% | 4,986 |
| Tier 1 risk-based capital ratio | 12.2069% | 4,296 |
| Total risk-based capital ratio | 12.9705% | 4,466 |
| Memoranda: | ||
| Average total assets | $296,100,000 | 2,205 |
| Average earning assets | $280,171,670 | 2,167 |
| Average equity | $27,053,670 | 2,564 |
| Average total loans | $201,294,330 | 2,181 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,674 |
| Cost of funding earning assets | 0.4461% | 4,305 |
| Net interest margin | 3.3769% | 3,953 |
| Noninterest income to average assets | 1.0078% | 789 |
| Noninterest expense to average assets | 3.3539% | 1,187 |
| Loan and lease loss provision to assets | 0.0833% | 2,039 |
| Net operating income to assets | 0.7239% | 3,862 |
| Return on assets (ROA) | 0.7162% | 3,925 |
| Pretax return on assets | 0.7565% | 4,161 |
| Return on Equity (ROE) | 8.0536% | 3,241 |
| Retained earnings to average equity (ytd only) | -4.0344% | 4,868 |
| Net charge-offs to loans | 0.0217% | 2,017 |
| Credit loss provision to net charge-offs | 563.6364% | 565 |
| Earnings coverage of net charge-offs (x) | 57.3636% | 938 |
| Efficiency ratio | 78.7336% | 1,190 |
| Assets per employee ($millions) | 4.3496% | 3,416 |
| Cash dividends to net income (ytd only)* | 150.0938% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 4,608 |
| Loan loss allowance to noncurrent loans | 121.5748% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 1,833 |
| Noncurrent loans to loans | 0.6331% | 2,431 |
| Net loans and leases to total assets | 67.3044% | 2,860 |
| Net loans and leases to deposits | 74.3248% | 3,426 |
| Net loans and leases to core deposits | 74.9048% | 3,739 |
| Total domestic deposits to total assets | 90.5545% | 267 |
| Equity capital to assets | 9.0945% | 4,621 |
| Core capital (leverage) ratio | 8.2134% | 5,136 |
| Tier 1 risk-based capital ratio | 11.9598% | 4,481 |
| Total risk-based capital ratio | 12.7252% | 4,650 |
| Memoranda: | ||
| Average total assets | $297,681,000 | 2,210 |
| Average earning assets | $281,557,500 | 2,169 |
| Average equity | $26,472,500 | 2,608 |
| Average total loans | $202,476,500 | 2,191 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6246% | 4,771 |
| Cost of funding earning assets | 0.3472% | 4,297 |
| Net interest margin | 3.2774% | 4,318 |
| Noninterest income to average assets | 1.0436% | 870 |
| Noninterest expense to average assets | 3.3122% | 1,293 |
| Loan and lease loss provision to assets | 0.1124% | 1,965 |
| Net operating income to assets | 0.7524% | 3,962 |
| Return on assets (ROA) | 0.7458% | 3,986 |
| Pretax return on assets | 0.7545% | 4,282 |
| Return on Equity (ROE) | 8.8841% | 3,047 |
| Retained earnings to average equity (ytd only) | 5.7553% | 2,320 |
| Net charge-offs to loans | 0.1399% | 1,363 |
| Credit loss provision to net charge-offs | 120.8633% | 2,155 |
| Earnings coverage of net charge-offs (x) | 9.3921% | 2,812 |
| Efficiency ratio | 78.0336% | 1,129 |
| Assets per employee ($millions) | 4.3419% | 3,397 |
| Cash dividends to net income (ytd only)* | 35.2176% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,731 |
| Loan loss allowance to noncurrent loans | 873.0994% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 2,992 |
| Noncurrent loans to loans | 0.0837% | 4,372 |
| Net loans and leases to total assets | 67.7086% | 2,920 |
| Net loans and leases to deposits | 74.4474% | 3,464 |
| Net loans and leases to core deposits | 75.1958% | 3,773 |
| Total domestic deposits to total assets | 90.9483% | 217 |
| Equity capital to assets | 8.6939% | 4,805 |
| Core capital (leverage) ratio | 8.2718% | 5,138 |
| Tier 1 risk-based capital ratio | 12.0832% | 4,371 |
| Total risk-based capital ratio | 12.8239% | 4,583 |
| Memoranda: | ||
| Average total assets | $298,865,200 | 2,168 |
| Average earning assets | $286,541,800 | 2,094 |
| Average equity | $25,089,800 | 2,640 |
| Average total loans | $198,652,800 | 2,183 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 4,862 |
| Cost of funding earning assets | 0.3232% | 4,364 |
| Net interest margin | 3.2325% | 4,447 |
| Noninterest income to average assets | 1.0455% | 869 |
| Noninterest expense to average assets | 3.2917% | 1,318 |
| Loan and lease loss provision to assets | 0.1232% | 1,632 |
| Net operating income to assets | 0.7263% | 4,147 |
| Return on assets (ROA) | 0.7263% | 4,157 |
| Pretax return on assets | 0.7379% | 4,449 |
| Return on Equity (ROE) | 8.7292% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.0541% | 3,207 |
| Net charge-offs to loans | 0.1528% | 1,077 |
| Credit loss provision to net charge-offs | 122.1239% | 1,965 |
| Earnings coverage of net charge-offs (x) | 8.5353% | 2,697 |
| Efficiency ratio | 78.1576% | 1,104 |
| Assets per employee ($millions) | 4.4305% | 3,228 |
| Cash dividends to net income (ytd only)* | 42.1020% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7426% | 4,773 |
| Loan loss allowance to noncurrent loans | 596.7871% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,958 |
| Noncurrent loans to loans | 0.1244% | 4,330 |
| Net loans and leases to total assets | 65.9256% | 3,186 |
| Net loans and leases to deposits | 72.4230% | 3,738 |
| Net loans and leases to core deposits | 73.5078% | 3,979 |
| Total domestic deposits to total assets | 91.0285% | 209 |
| Equity capital to assets | 8.2074% | 5,081 |
| Core capital (leverage) ratio | 8.1255% | 5,285 |
| Tier 1 risk-based capital ratio | 12.1466% | 4,411 |
| Total risk-based capital ratio | 12.9044% | 4,592 |
| Memoranda: | ||
| Average total assets | $298,683,750 | 2,170 |
| Average earning assets | $287,119,000 | 2,106 |
| Average equity | $24,850,750 | 2,670 |
| Average total loans | $197,230,500 | 2,205 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 4,934 |
| Cost of funding earning assets | 0.2907% | 4,489 |
| Net interest margin | 3.2008% | 4,503 |
| Noninterest income to average assets | 1.0127% | 934 |
| Noninterest expense to average assets | 3.2301% | 1,469 |
| Loan and lease loss provision to assets | 0.1451% | 1,319 |
| Net operating income to assets | 0.6964% | 4,205 |
| Return on assets (ROA) | 0.6964% | 4,210 |
| Pretax return on assets | 0.7139% | 4,475 |
| Return on Equity (ROE) | 8.3320% | 3,348 |
| Retained earnings to average equity (ytd only) | 3.6317% | 3,781 |
| Net charge-offs to loans | 0.1539% | 1,006 |
| Credit loss provision to net charge-offs | 143.0464% | 1,620 |
| Earnings coverage of net charge-offs (x) | 8.4702% | 2,473 |
| Efficiency ratio | 77.8781% | 1,211 |
| Assets per employee ($millions) | 4.3735% | 3,315 |
| Cash dividends to net income (ytd only)* | 56.4127% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,829 |
| Loan loss allowance to noncurrent loans | 566.4151% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 3,045 |
| Noncurrent loans to loans | 0.1321% | 4,312 |
| Net loans and leases to total assets | 66.0015% | 3,155 |
| Net loans and leases to deposits | 74.0601% | 3,523 |
| Net loans and leases to core deposits | 74.6981% | 3,829 |
| Total domestic deposits to total assets | 89.1188% | 888 |
| Equity capital to assets | 8.1834% | 5,146 |
| Core capital (leverage) ratio | 7.9038% | 5,375 |
| Tier 1 risk-based capital ratio | 11.7772% | 4,634 |
| Total risk-based capital ratio | 12.5360% | 4,800 |
| Memoranda: | ||
| Average total assets | $297,819,670 | 2,189 |
| Average earning assets | $286,240,330 | 2,123 |
| Average equity | $24,892,000 | 2,674 |
| Average total loans | $196,272,670 | 2,219 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 5,033 |
| Cost of funding earning assets | 0.2603% | 4,647 |
| Net interest margin | 3.1318% | 4,640 |
| Noninterest income to average assets | 0.9532% | 1,011 |
| Noninterest expense to average assets | 3.2206% | 1,527 |
| Loan and lease loss provision to assets | 0.0514% | 2,749 |
| Net operating income to assets | 0.6557% | 4,259 |
| Return on assets (ROA) | 0.6557% | 4,270 |
| Pretax return on assets | 0.6909% | 4,465 |
| Return on Equity (ROE) | 7.7629% | 3,482 |
| Retained earnings to average equity (ytd only) | 1.3605% | 4,527 |
| Net charge-offs to loans | 0.1958% | 755 |
| Credit loss provision to net charge-offs | 40.0000% | 2,015 |
| Earnings coverage of net charge-offs (x) | 5.7789% | 2,200 |
| Efficiency ratio | 80.1092% | 1,127 |
| Assets per employee ($millions) | 4.3645% | 3,372 |
| Cash dividends to net income (ytd only)* | 82.4742% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 5,023 |
| Loan loss allowance to noncurrent loans | 95.6944% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 2,916 |
| Noncurrent loans to loans | 0.7348% | 2,370 |
| Net loans and leases to total assets | 65.5685% | 3,108 |
| Net loans and leases to deposits | 71.7375% | 3,637 |
| Net loans and leases to core deposits | 85.4238% | 2,853 |
| Total domestic deposits to total assets | 91.4005% | 207 |
| Equity capital to assets | 8.2854% | 5,114 |
| Core capital (leverage) ratio | 7.9029% | 5,414 |
| Tier 1 risk-based capital ratio | 12.0234% | 4,532 |
| Total risk-based capital ratio | 12.7471% | 4,759 |
| Memoranda: | ||
| Average total assets | $295,845,000 | 2,214 |
| Average earning assets | $284,311,000 | 2,157 |
| Average equity | $24,990,500 | 2,687 |
| Average total loans | $194,072,500 | 2,243 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3398% | 5,033 |
| Cost of funding earning assets | 0.2264% | 4,744 |
| Net interest margin | 3.1134% | 4,660 |
| Noninterest income to average assets | 0.9571% | 1,118 |
| Noninterest expense to average assets | 3.1084% | 1,836 |
| Loan and lease loss provision to assets | 0.0691% | 2,820 |
| Net operating income to assets | 0.7639% | 3,325 |
| Return on assets (ROA) | 0.7649% | 3,358 |
| Pretax return on assets | 0.7708% | 4,331 |
| Return on Equity (ROE) | 8.9382% | 2,348 |
| Retained earnings to average equity (ytd only) | 5.1133% | 2,061 |
| Net charge-offs to loans | 0.0718% | 2,421 |
| Credit loss provision to net charge-offs | 151.5152% | 1,760 |
| Earnings coverage of net charge-offs (x) | 18.3864% | 2,076 |
| Efficiency ratio | 77.5482% | 1,420 |
| Assets per employee ($millions) | 4.1536% | 3,731 |
| Cash dividends to net income (ytd only)* | 42.7926% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7467% | 4,961 |
| Loan loss allowance to noncurrent loans | 102.1352% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 2,971 |
| Noncurrent loans to loans | 0.7311% | 2,386 |
| Net loans and leases to total assets | 64.6766% | 3,273 |
| Net loans and leases to deposits | 71.0234% | 3,786 |
| Net loans and leases to core deposits | 83.5743% | 3,093 |
| Total domestic deposits to total assets | 91.0639% | 224 |
| Equity capital to assets | 8.6099% | 5,028 |
| Core capital (leverage) ratio | 7.9767% | 5,456 |
| Tier 1 risk-based capital ratio | 12.3370% | 4,301 |
| Total risk-based capital ratio | 13.1071% | 4,514 |
| Memoranda: | ||
| Average total assets | $289,309,000 | 2,224 |
| Average earning assets | $277,859,200 | 2,168 |
| Average equity | $24,758,800 | 2,691 |
| Average total loans | $183,897,400 | 2,287 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3187% | 5,087 |
| Cost of funding earning assets | 0.2219% | 4,796 |
| Net interest margin | 3.0969% | 4,723 |
| Noninterest income to average assets | 0.9160% | 1,226 |
| Noninterest expense to average assets | 3.0958% | 1,811 |
| Loan and lease loss provision to assets | 0.0787% | 2,511 |
| Net operating income to assets | 0.7067% | 3,945 |
| Return on assets (ROA) | 0.7090% | 4,001 |
| Pretax return on assets | 0.7169% | 4,571 |
| Return on Equity (ROE) | 8.2976% | 2,976 |
| Retained earnings to average equity (ytd only) | 3.1651% | 4,023 |
| Net charge-offs to loans | 0.0484% | 2,466 |
| Credit loss provision to net charge-offs | 257.5758% | 1,107 |
| Earnings coverage of net charge-offs (x) | 25.9539% | 1,704 |
| Efficiency ratio | 78.3758% | 1,278 |
| Assets per employee ($millions) | 4.2100% | 3,627 |
| Cash dividends to net income (ytd only)* | 61.8553% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,927 |
| Loan loss allowance to noncurrent loans | 93.5156% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 2,901 |
| Noncurrent loans to loans | 0.8406% | 2,257 |
| Net loans and leases to total assets | 63.9086% | 3,414 |
| Net loans and leases to deposits | 70.3847% | 3,930 |
| Net loans and leases to core deposits | 82.6623% | 3,234 |
| Total domestic deposits to total assets | 90.7990% | 232 |
| Equity capital to assets | 8.7827% | 5,097 |
| Core capital (leverage) ratio | 7.6142% | 5,606 |
| Tier 1 risk-based capital ratio | 11.9970% | 4,623 |
| Total risk-based capital ratio | 12.7891% | 4,826 |
| Memoranda: | ||
| Average total assets | $287,910,250 | 2,247 |
| Average earning assets | $276,403,000 | 2,191 |
| Average equity | $24,600,750 | 2,721 |
| Average total loans | $181,829,500 | 2,314 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 5,147 |
| Cost of funding earning assets | 0.2121% | 4,867 |
| Net interest margin | 3.0591% | 4,774 |
| Noninterest income to average assets | 0.9288% | 1,187 |
| Noninterest expense to average assets | 3.0559% | 1,954 |
| Loan and lease loss provision to assets | 0.0836% | 2,313 |
| Net operating income to assets | 0.7114% | 3,791 |
| Return on assets (ROA) | 0.7149% | 3,844 |
| Pretax return on assets | 0.7267% | 4,481 |
| Return on Equity (ROE) | 8.4456% | 2,808 |
| Retained earnings to average equity (ytd only) | 1.1853% | 4,769 |
| Net charge-offs to loans | 0.0500% | 2,217 |
| Credit loss provision to net charge-offs | 266.6667% | 1,038 |
| Earnings coverage of net charge-offs (x) | 25.7333% | 1,598 |
| Efficiency ratio | 77.8860% | 1,476 |
| Assets per employee ($millions) | 4.3207% | 3,396 |
| Cash dividends to net income (ytd only)* | 85.9649% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7865% | 4,981 |
| Loan loss allowance to noncurrent loans | 504.5455% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 4,807 |
| Noncurrent loans to loans | 0.1559% | 4,491 |
| Net loans and leases to total assets | 61.0602% | 3,743 |
| Net loans and leases to deposits | 66.9455% | 4,149 |
| Net loans and leases to core deposits | 80.5759% | 3,375 |
| Total domestic deposits to total assets | 91.2088% | 174 |
| Equity capital to assets | 8.4102% | 5,351 |
| Core capital (leverage) ratio | 7.7392% | 5,601 |
| Tier 1 risk-based capital ratio | 12.0778% | 4,582 |
| Total risk-based capital ratio | 12.8769% | 4,757 |
| Memoranda: | ||
| Average total assets | $287,050,330 | 2,263 |
| Average earning assets | $275,313,000 | 2,197 |
| Average equity | $24,296,670 | 2,748 |
| Average total loans | $180,066,330 | 2,338 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2338% | 5,196 |
| Cost of funding earning assets | 0.2032% | 4,951 |
| Net interest margin | 3.0306% | 4,829 |
| Noninterest income to average assets | 0.8483% | 1,404 |
| Noninterest expense to average assets | 3.0066% | 2,151 |
| Loan and lease loss provision to assets | 0.0853% | 2,112 |
| Net operating income to assets | 0.6353% | 4,001 |
| Return on assets (ROA) | 0.6380% | 4,028 |
| Pretax return on assets | 0.6621% | 4,558 |
| Return on Equity (ROE) | 7.5120% | 3,164 |
| Retained earnings to average equity (ytd only) | -5.5712% | 5,425 |
| Net charge-offs to loans | 0.0673% | 1,657 |
| Credit loss provision to net charge-offs | 200.0000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 17.4667% | 1,600 |
| Efficiency ratio | 78.8636% | 1,506 |
| Assets per employee ($millions) | 4.2284% | 3,617 |
| Cash dividends to net income (ytd only)* | 174.1648% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 5,106 |
| Loan loss allowance to noncurrent loans | 747.0588% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 5,008 |
| Noncurrent loans to loans | 0.1050% | 4,767 |
| Net loans and leases to total assets | 62.3694% | 3,484 |
| Net loans and leases to deposits | 68.3884% | 3,959 |
| Net loans and leases to core deposits | 75.9655% | 3,654 |
| Total domestic deposits to total assets | 91.1989% | 244 |
| Equity capital to assets | 8.4372% | 5,282 |
| Core capital (leverage) ratio | 7.6155% | 5,677 |
| Tier 1 risk-based capital ratio | 12.2281% | 4,561 |
| Total risk-based capital ratio | 13.0299% | 4,771 |
| Memoranda: | ||
| Average total assets | $281,512,000 | 2,317 |
| Average earning assets | $269,653,500 | 2,250 |
| Average equity | $23,908,500 | 2,801 |
| Average total loans | $178,359,500 | 2,377 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3053% | 5,151 |
| Cost of funding earning assets | 0.1573% | 5,369 |
| Net interest margin | 3.1480% | 4,594 |
| Noninterest income to average assets | 0.9936% | 1,167 |
| Noninterest expense to average assets | 2.9483% | 2,504 |
| Loan and lease loss provision to assets | 0.1739% | 1,389 |
| Net operating income to assets | 0.8789% | 2,936 |
| Return on assets (ROA) | 0.7099% | 3,857 |
| Pretax return on assets | 0.7233% | 4,414 |
| Return on Equity (ROE) | 7.9328% | 2,976 |
| Retained earnings to average equity (ytd only) | -2.0288% | 5,539 |
| Net charge-offs to loans | 0.0496% | 3,054 |
| Credit loss provision to net charge-offs | 558.1395% | 605 |
| Earnings coverage of net charge-offs (x) | 34.3256% | 1,317 |
| Efficiency ratio | 72.1411% | 2,569 |
| Assets per employee ($millions) | 4.8228% | 2,614 |
| Cash dividends to net income (ytd only)* | 125.5743% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 5,198 |
| Loan loss allowance to noncurrent loans | 1,139.1667% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,183 |
| Noncurrent loans to loans | 0.0672% | 4,973 |
| Net loans and leases to total assets | 63.3705% | 3,429 |
| Net loans and leases to deposits | 69.6022% | 3,945 |
| Net loans and leases to core deposits | 77.2792% | 3,627 |
| Total domestic deposits to total assets | 91.0468% | 267 |
| Equity capital to assets | 8.5493% | 5,234 |
| Core capital (leverage) ratio | 7.7799% | 5,692 |
| Tier 1 risk-based capital ratio | 12.6289% | 4,303 |
| Total risk-based capital ratio | 13.4189% | 4,477 |
| Memoranda: | ||
| Average total assets | $275,953,000 | 2,312 |
| Average earning assets | $265,118,800 | 2,246 |
| Average equity | $24,695,000 | 2,749 |
| Average total loans | $173,317,000 | 2,383 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 5,211 |
| Cost of funding earning assets | 0.1451% | 5,510 |
| Net interest margin | 3.1598% | 4,605 |
| Noninterest income to average assets | 0.9818% | 1,186 |
| Noninterest expense to average assets | 2.9462% | 2,476 |
| Loan and lease loss provision to assets | 0.1745% | 1,288 |
| Net operating income to assets | 0.8840% | 2,990 |
| Return on assets (ROA) | 0.8911% | 3,089 |
| Pretax return on assets | 0.9090% | 3,950 |
| Return on Equity (ROE) | 9.8457% | 2,117 |
| Retained earnings to average equity (ytd only) | -3.3319% | 5,667 |
| Net charge-offs to loans | 0.0163% | 3,402 |
| Credit loss provision to net charge-offs | 1,714.2857% | 273 |
| Earnings coverage of net charge-offs (x) | 105.7118% | 633 |
| Efficiency ratio | 72.0019% | 2,579 |
| Assets per employee ($millions) | 4.7569% | 2,669 |
| Cash dividends to net income (ytd only)* | 133.8410% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 5,351 |
| Loan loss allowance to noncurrent loans | 132.3915% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 4,020 |
| Noncurrent loans to loans | 0.5540% | 3,333 |
| Net loans and leases to total assets | 62.2143% | 3,620 |
| Net loans and leases to deposits | 68.5809% | 4,098 |
| Net loans and leases to core deposits | 80.2470% | 3,424 |
| Total domestic deposits to total assets | 90.7167% | 270 |
| Equity capital to assets | 8.8534% | 5,282 |
| Core capital (leverage) ratio | 7.8552% | 5,740 |
| Tier 1 risk-based capital ratio | 12.6298% | 4,386 |
| Total risk-based capital ratio | 13.3932% | 4,611 |
| Memoranda: | ||
| Average total assets | $275,011,250 | 2,325 |
| Average earning assets | $264,653,750 | 2,262 |
| Average equity | $24,890,250 | 2,754 |
| Average total loans | $171,989,500 | 2,392 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3187% | 5,251 |
| Cost of funding earning assets | 0.1394% | 5,618 |
| Net interest margin | 3.1794% | 4,610 |
| Noninterest income to average assets | 0.9590% | 1,220 |
| Noninterest expense to average assets | 2.9469% | 2,528 |
| Loan and lease loss provision to assets | 0.1768% | 1,240 |
| Net operating income to assets | 0.8665% | 3,021 |
| Return on assets (ROA) | 0.8772% | 3,092 |
| Pretax return on assets | 0.9045% | 3,937 |
| Return on Equity (ROE) | 9.6188% | 2,219 |
| Retained earnings to average equity (ytd only) | -8.8758% | 5,859 |
| Net charge-offs to loans | 0.0200% | 3,094 |
| Credit loss provision to net charge-offs | 1,411.7647% | 280 |
| Earnings coverage of net charge-offs (x) | 85.4706% | 665 |
| Efficiency ratio | 72.1122% | 2,635 |
| Assets per employee ($millions) | 4.2221% | 3,516 |
| Cash dividends to net income (ytd only)* | 192.2754% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 5,546 |
| Loan loss allowance to noncurrent loans | 2,345.0980% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,524 |
| Noncurrent loans to loans | 0.0292% | 5,351 |
| Net loans and leases to total assets | 63.2700% | 3,466 |
| Net loans and leases to deposits | 69.9256% | 3,990 |
| Net loans and leases to core deposits | 79.5469% | 3,508 |
| Total domestic deposits to total assets | 90.4819% | 321 |
| Equity capital to assets | 9.1165% | 5,148 |
| Core capital (leverage) ratio | 7.7625% | 5,831 |
| Tier 1 risk-based capital ratio | 12.4467% | 4,558 |
| Total risk-based capital ratio | 13.1485% | 4,794 |
| Memoranda: | ||
| Average total assets | $271,543,330 | 2,372 |
| Average earning assets | $261,183,330 | 2,292 |
| Average equity | $24,764,000 | 2,767 |
| Average total loans | $169,692,330 | 2,420 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3493% | 5,225 |
| Cost of funding earning assets | 0.1339% | 5,726 |
| Net interest margin | 3.2153% | 4,533 |
| Noninterest income to average assets | 0.9049% | 1,299 |
| Noninterest expense to average assets | 2.9056% | 2,687 |
| Loan and lease loss provision to assets | 0.1777% | 1,144 |
| Net operating income to assets | 0.8612% | 2,941 |
| Return on assets (ROA) | 0.8738% | 2,996 |
| Pretax return on assets | 0.9286% | 3,735 |
| Return on Equity (ROE) | 9.5793% | 2,166 |
| Retained earnings to average equity (ytd only) | -15.5866% | 5,915 |
| Net charge-offs to loans | 0.0574% | 1,942 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,168 |
| Efficiency ratio | 71.4074% | 2,885 |
| Assets per employee ($millions) | 4.2927% | 3,418 |
| Cash dividends to net income (ytd only)* | 262.7119% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6294% | 5,705 |
| Loan loss allowance to noncurrent loans | 206.7698% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 4,804 |
| Noncurrent loans to loans | 0.3044% | 4,334 |
| Net loans and leases to total assets | 62.4098% | 3,467 |
| Net loans and leases to deposits | 68.8733% | 3,971 |
| Net loans and leases to core deposits | 76.5064% | 3,636 |
| Total domestic deposits to total assets | 90.6154% | 394 |
| Equity capital to assets | 9.0315% | 5,142 |
| Core capital (leverage) ratio | 7.9781% | 5,781 |
| Tier 1 risk-based capital ratio | 12.9010% | 4,322 |
| Total risk-based capital ratio | 13.5476% | 4,621 |
| Memoranda: | ||
| Average total assets | $270,097,500 | 2,381 |
| Average earning assets | $259,878,500 | 2,306 |
| Average equity | $24,636,500 | 2,779 |
| Average total loans | $167,123,000 | 2,437 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1540% | 5,570 |
| Cost of funding earning assets | 0.1542% | 5,658 |
| Net interest margin | 2.9998% | 5,138 |
| Noninterest income to average assets | 1.0030% | 1,180 |
| Noninterest expense to average assets | 2.8489% | 3,036 |
| Loan and lease loss provision to assets | 0.0451% | 3,424 |
| Net operating income to assets | 0.9763% | 2,483 |
| Return on assets (ROA) | 1.0180% | 2,349 |
| Pretax return on assets | 1.0225% | 3,371 |
| Return on Equity (ROE) | 11.2432% | 1,534 |
| Retained earnings to average equity (ytd only) | 4.8458% | 2,532 |
| Net charge-offs to loans | 0.0479% | 3,247 |
| Credit loss provision to net charge-offs | 166.6667% | 1,617 |
| Earnings coverage of net charge-offs (x) | 37.9306% | 1,225 |
| Efficiency ratio | 72.1958% | 2,874 |
| Assets per employee ($millions) | 3.8536% | 4,203 |
| Cash dividends to net income (ytd only)* | 56.9004% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5919% | 5,805 |
| Loan loss allowance to noncurrent loans | 60.9267% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 3,308 |
| Noncurrent loans to loans | 0.9714% | 2,390 |
| Net loans and leases to total assets | 60.5819% | 3,753 |
| Net loans and leases to deposits | 67.6118% | 4,162 |
| Net loans and leases to core deposits | 71.9169% | 4,141 |
| Total domestic deposits to total assets | 89.6027% | 799 |
| Equity capital to assets | 9.2114% | 4,888 |
| Core capital (leverage) ratio | 8.4134% | 5,512 |
| Tier 1 risk-based capital ratio | 14.0791% | 3,667 |
| Total risk-based capital ratio | 14.6870% | 3,981 |
| Memoranda: | ||
| Average total assets | $266,210,200 | 2,374 |
| Average earning assets | $254,847,800 | 2,308 |
| Average equity | $24,103,400 | 2,776 |
| Average total loans | $150,232,600 | 2,594 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1340% | 5,662 |
| Cost of funding earning assets | 0.1619% | 5,691 |
| Net interest margin | 2.9721% | 5,265 |
| Noninterest income to average assets | 1.0206% | 1,140 |
| Noninterest expense to average assets | 2.8040% | 3,172 |
| Loan and lease loss provision to assets | 0.0452% | 3,305 |
| Net operating income to assets | 1.0081% | 2,433 |
| Return on assets (ROA) | 1.0633% | 2,251 |
| Pretax return on assets | 1.0694% | 3,331 |
| Return on Equity (ROE) | 11.7959% | 1,431 |
| Retained earnings to average equity (ytd only) | 4.2702% | 3,427 |
| Net charge-offs to loans | 0.0045% | 4,014 |
| Credit loss provision to net charge-offs | 1,800.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 421.1784% | 176 |
| Efficiency ratio | 71.2502% | 3,004 |
| Assets per employee ($millions) | 3.8223% | 4,220 |
| Cash dividends to net income (ytd only)* | 63.7999% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6586% | 5,806 |
| Loan loss allowance to noncurrent loans | 134.3085% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 4,589 |
| Noncurrent loans to loans | 0.4903% | 3,879 |
| Net loans and leases to total assets | 59.4914% | 3,938 |
| Net loans and leases to deposits | 66.7678% | 4,301 |
| Net loans and leases to core deposits | 68.7614% | 4,474 |
| Total domestic deposits to total assets | 89.1020% | 977 |
| Equity capital to assets | 9.5910% | 4,645 |
| Core capital (leverage) ratio | 8.5650% | 5,502 |
| Tier 1 risk-based capital ratio | 14.9874% | 3,299 |
| Total risk-based capital ratio | 15.6717% | 3,530 |
| Memoranda: | ||
| Average total assets | $265,324,750 | 2,403 |
| Average earning assets | $253,728,500 | 2,330 |
| Average equity | $23,917,250 | 2,813 |
| Average total loans | $146,692,250 | 2,650 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0747% | 5,768 |
| Cost of funding earning assets | 0.1684% | 5,711 |
| Net interest margin | 2.9064% | 5,430 |
| Noninterest income to average assets | 1.0007% | 1,181 |
| Noninterest expense to average assets | 2.7586% | 3,385 |
| Loan and lease loss provision to assets | 0.0447% | 3,217 |
| Net operating income to assets | 0.9680% | 2,544 |
| Return on assets (ROA) | 1.0417% | 2,291 |
| Pretax return on assets | 1.0507% | 3,377 |
| Return on Equity (ROE) | 11.7963% | 1,431 |
| Retained earnings to average equity (ytd only) | 2.9364% | 4,165 |
| Net charge-offs to loans | -0.0443% | 5,499 |
| Credit loss provision to net charge-offs | -187.5000% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6483% | 3,045 |
| Assets per employee ($millions) | 3.6687% | 4,494 |
| Cash dividends to net income (ytd only)* | 75.1073% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 5,850 |
| Loan loss allowance to noncurrent loans | 171.2121% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 4,961 |
| Noncurrent loans to loans | 0.4000% | 4,280 |
| Net loans and leases to total assets | 56.6268% | 4,267 |
| Net loans and leases to deposits | 64.2023% | 4,512 |
| Net loans and leases to core deposits | 65.8690% | 4,669 |
| Total domestic deposits to total assets | 88.2006% | 1,549 |
| Equity capital to assets | 9.0380% | 5,201 |
| Core capital (leverage) ratio | 8.0231% | 5,919 |
| Tier 1 risk-based capital ratio | 15.0140% | 3,350 |
| Total risk-based capital ratio | 15.7180% | 3,582 |
| Memoranda: | ||
| Average total assets | $268,401,670 | 2,389 |
| Average earning assets | $256,607,000 | 2,318 |
| Average equity | $23,702,330 | 2,838 |
| Average total loans | $144,468,330 | 2,693 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9925% | 5,902 |
| Cost of funding earning assets | 0.1689% | 5,781 |
| Net interest margin | 2.8236% | 5,597 |
| Noninterest income to average assets | 0.9473% | 1,241 |
| Noninterest expense to average assets | 2.7082% | 3,557 |
| Loan and lease loss provision to assets | 0.0441% | 3,039 |
| Net operating income to assets | 0.8797% | 2,846 |
| Return on assets (ROA) | 0.9502% | 2,643 |
| Pretax return on assets | 0.9678% | 3,619 |
| Return on Equity (ROE) | 10.8820% | 1,663 |
| Retained earnings to average equity (ytd only) | 2.4724% | 4,450 |
| Net charge-offs to loans | -0.0871% | 5,794 |
| Credit loss provision to net charge-offs | -96.7742% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8663% | 3,017 |
| Assets per employee ($millions) | 3.9822% | 4,004 |
| Cash dividends to net income (ytd only)* | 77.2798% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 5,919 |
| Loan loss allowance to noncurrent loans | 165.7143% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 5,067 |
| Noncurrent loans to loans | 0.4169% | 4,340 |
| Net loans and leases to total assets | 52.3453% | 4,629 |
| Net loans and leases to deposits | 57.6923% | 4,937 |
| Net loans and leases to core deposits | 58.9698% | 5,065 |
| Total domestic deposits to total assets | 90.7320% | 459 |
| Equity capital to assets | 8.8932% | 5,400 |
| Core capital (leverage) ratio | 7.8330% | 6,020 |
| Tier 1 risk-based capital ratio | 15.2981% | 3,263 |
| Total risk-based capital ratio | 16.0005% | 3,504 |
| Memoranda: | ||
| Average total assets | $272,363,000 | 2,366 |
| Average earning assets | $260,515,500 | 2,307 |
| Average equity | $23,782,500 | 2,856 |
| Average total loans | $142,443,500 | 2,727 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3931% | 6,358 |
| Cost of funding earning assets | 0.1527% | 6,083 |
| Net interest margin | 2.2404% | 6,291 |
| Noninterest income to average assets | 0.9426% | 1,370 |
| Noninterest expense to average assets | 2.7102% | 3,823 |
| Loan and lease loss provision to assets | -0.0488% | 6,030 |
| Net operating income to assets | 0.4367% | 5,085 |
| Return on assets (ROA) | 0.4943% | 4,924 |
| Pretax return on assets | 0.4966% | 5,263 |
| Return on Equity (ROE) | 6.3452% | 3,978 |
| Retained earnings to average equity (ytd only) | 1.9080% | 4,851 |
| Net charge-offs to loans | 0.0753% | 3,410 |
| Credit loss provision to net charge-offs | -151.1905% | 5,576 |
| Earnings coverage of net charge-offs (x) | 12.0952% | 2,420 |
| Efficiency ratio | 86.5461% | 1,113 |
| Assets per employee ($millions) | 3.8582% | 4,242 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 6,073 |
| Loan loss allowance to noncurrent loans | 150.4065% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 5,126 |
| Noncurrent loans to loans | 0.4326% | 4,348 |
| Net loans and leases to total assets | 51.5558% | 4,827 |
| Net loans and leases to deposits | 56.6632% | 5,140 |
| Net loans and leases to core deposits | 57.9114% | 5,265 |
| Total domestic deposits to total assets | 90.9865% | 370 |
| Equity capital to assets | 8.5725% | 5,667 |
| Core capital (leverage) ratio | 7.3700% | 6,246 |
| Tier 1 risk-based capital ratio | 15.1823% | 3,387 |
| Total risk-based capital ratio | 15.8696% | 3,640 |
| Memoranda: | ||
| Average total assets | $260,349,400 | 2,425 |
| Average earning assets | $250,758,400 | 2,345 |
| Average equity | $20,283,200 | 3,134 |
| Average total loans | $111,573,400 | 3,188 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1922% | 6,480 |
| Cost of funding earning assets | 0.1441% | 6,223 |
| Net interest margin | 2.0481% | 6,437 |
| Noninterest income to average assets | 0.9496% | 1,365 |
| Noninterest expense to average assets | 2.7086% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2143% | 5,823 |
| Return on assets (ROA) | 0.2153% | 5,865 |
| Pretax return on assets | 0.2185% | 5,921 |
| Return on Equity (ROE) | 2.8400% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.8400% | 4,577 |
| Net charge-offs to loans | 0.0128% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 41.9092% | 1,093 |
| Efficiency ratio | 92.0731% | 706 |
| Assets per employee ($millions) | 4.1083% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 5,873 |
| Loan loss allowance to noncurrent loans | 180.7384% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 5,348 |
| Noncurrent loans to loans | 0.4424% | 4,574 |
| Net loans and leases to total assets | 48.5741% | 5,142 |
| Net loans and leases to deposits | 53.1899% | 5,443 |
| Net loans and leases to core deposits | 54.8615% | 5,514 |
| Total domestic deposits to total assets | 91.3221% | 274 |
| Equity capital to assets | 8.1956% | 6,018 |
| Core capital (leverage) ratio | 7.7510% | 6,191 |
| Tier 1 risk-based capital ratio | 16.0893% | 3,020 |
| Total risk-based capital ratio | 16.9740% | 3,138 |
| Memoranda: | ||
| Average total assets | $256,953,250 | 2,477 |
| Average earning assets | $247,959,500 | 2,379 |
| Average equity | $19,483,250 | 3,227 |
| Average total loans | $103,928,250 | 3,375 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0821% | 6,564 |
| Cost of funding earning assets | 0.1360% | 6,331 |
| Net interest margin | 1.9462% | 6,534 |
| Noninterest income to average assets | 0.9508% | 1,330 |
| Noninterest expense to average assets | 2.6983% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1386% | 5,973 |
| Return on assets (ROA) | 0.1386% | 6,008 |
| Pretax return on assets | 0.1435% | 6,036 |
| Return on Equity (ROE) | 1.8873% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.8873% | 4,944 |
| Net charge-offs to loans | -0.0022% | 5,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4381% | 622 |
| Assets per employee ($millions) | 3.8221% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 4,298 |
| Loan loss allowance to noncurrent loans | 157.9167% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 5,174 |
| Noncurrent loans to loans | 0.7766% | 3,756 |
| Net loans and leases to total assets | 36.8614% | 6,012 |
| Net loans and leases to deposits | 40.0017% | 6,157 |
| Net loans and leases to core deposits | 41.4240% | 6,173 |
| Total domestic deposits to total assets | 92.1494% | 153 |
| Equity capital to assets | 7.3853% | 6,374 |
| Core capital (leverage) ratio | 6.9417% | 6,441 |
| Tier 1 risk-based capital ratio | 20.7623% | 1,494 |
| Total risk-based capital ratio | 22.0136% | 1,476 |
| Memoranda: | ||
| Average total assets | $246,744,000 | 2,573 |
| Average earning assets | $239,752,670 | 2,448 |
| Average equity | $18,121,330 | 3,409 |
| Average total loans | $91,632,330 | 3,650 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0849% | 6,640 |
| Cost of funding earning assets | 0.1457% | 6,377 |
| Net interest margin | 1.9392% | 6,609 |
| Noninterest income to average assets | 0.8556% | 1,535 |
| Noninterest expense to average assets | 2.6499% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0797% | 6,071 |
| Return on assets (ROA) | 0.0797% | 6,095 |
| Pretax return on assets | 0.0895% | 6,097 |
| Return on Equity (ROE) | 1.0884% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.0884% | 5,167 |
| Net charge-offs to loans | -0.0176% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1995% | 631 |
| Assets per employee ($millions) | 3.7302% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,267 |
| Loan loss allowance to noncurrent loans | 578.6802% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 5,982 |
| Noncurrent loans to loans | 0.2198% | 5,434 |
| Net loans and leases to total assets | 35.9388% | 6,073 |
| Net loans and leases to deposits | 38.9457% | 6,207 |
| Net loans and leases to core deposits | 40.7460% | 6,210 |
| Total domestic deposits to total assets | 92.2793% | 199 |
| Equity capital to assets | 7.3214% | 6,371 |
| Core capital (leverage) ratio | 6.8014% | 6,507 |
| Tier 1 risk-based capital ratio | 21.3843% | 1,402 |
| Total risk-based capital ratio | 22.6363% | 1,377 |
| Memoranda: | ||
| Average total assets | $245,896,500 | 2,591 |
| Average earning assets | $238,858,500 | 2,458 |
| Average equity | $18,008,000 | 3,428 |
| Average total loans | $91,091,000 | 3,680 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1007% | 6,701 |
| Cost of funding earning assets | 0.1774% | 6,407 |
| Net interest margin | 1.9233% | 6,663 |
| Noninterest income to average assets | 0.9069% | 1,657 |
| Noninterest expense to average assets | 2.4516% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3233% | 5,442 |
| Return on assets (ROA) | 0.3233% | 5,542 |
| Pretax return on assets | 0.3282% | 5,652 |
| Return on Equity (ROE) | 4.2911% | 4,973 |
| Retained earnings to average equity (ytd only) | 0.8790% | 5,441 |
| Net charge-offs to loans | 0.0250% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 36.2727% | 1,031 |
| Efficiency ratio | 87.9716% | 1,222 |
| Assets per employee ($millions) | 3.7784% | 4,310 |
| Cash dividends to net income (ytd only)* | 79.5165% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 4,510 |
| Loan loss allowance to noncurrent loans | 454.4000% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 6,032 |
| Noncurrent loans to loans | 0.2701% | 5,369 |
| Net loans and leases to total assets | 37.2260% | 6,144 |
| Net loans and leases to deposits | 40.3533% | 6,290 |
| Net loans and leases to core deposits | 42.4885% | 6,286 |
| Total domestic deposits to total assets | 92.2503% | 243 |
| Equity capital to assets | 7.3254% | 6,357 |
| Core capital (leverage) ratio | 6.8184% | 6,558 |
| Tier 1 risk-based capital ratio | 20.6430% | 1,503 |
| Total risk-based capital ratio | 21.8950% | 1,478 |
| Memoranda: | ||
| Average total assets | $243,143,600 | 2,595 |
| Average earning assets | $236,781,200 | 2,451 |
| Average equity | $18,317,000 | 3,368 |
| Average total loans | $88,156,400 | 3,730 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0874% | 6,792 |
| Cost of funding earning assets | 0.1844% | 6,479 |
| Net interest margin | 1.9030% | 6,748 |
| Noninterest income to average assets | 0.8587% | 1,898 |
| Noninterest expense to average assets | 2.3590% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3485% | 5,438 |
| Return on assets (ROA) | 0.3485% | 5,566 |
| Pretax return on assets | 0.3551% | 5,733 |
| Return on Equity (ROE) | 4.5945% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.5945% | 3,403 |
| Net charge-offs to loans | -0.0337% | 6,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9151% | 1,270 |
| Assets per employee ($millions) | 3.8647% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,300 |
| Loan loss allowance to noncurrent loans | 1,325.8427% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 6,367 |
| Noncurrent loans to loans | 0.0993% | 6,037 |
| Net loans and leases to total assets | 35.2053% | 6,316 |
| Net loans and leases to deposits | 38.1793% | 6,438 |
| Net loans and leases to core deposits | 40.2682% | 6,439 |
| Total domestic deposits to total assets | 92.2103% | 219 |
| Equity capital to assets | 7.3924% | 6,428 |
| Core capital (leverage) ratio | 7.0989% | 6,569 |
| Tier 1 risk-based capital ratio | 22.1336% | 1,297 |
| Total risk-based capital ratio | 23.3861% | 1,278 |
| Memoranda: | ||
| Average total assets | $242,530,250 | 2,618 |
| Average earning assets | $236,459,750 | 2,471 |
| Average equity | $18,398,500 | 3,387 |
| Average total loans | $87,055,000 | 3,788 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0723% | 6,838 |
| Cost of funding earning assets | 0.1908% | 6,520 |
| Net interest margin | 1.8815% | 6,795 |
| Noninterest income to average assets | 0.8596% | 1,969 |
| Noninterest expense to average assets | 2.3394% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3455% | 5,421 |
| Return on assets (ROA) | 0.3455% | 5,597 |
| Pretax return on assets | 0.3555% | 5,737 |
| Return on Equity (ROE) | 4.5144% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.5144% | 3,395 |
| Net charge-offs to loans | -0.0046% | 5,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8071% | 1,333 |
| Assets per employee ($millions) | 3.8703% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,485 |
| Loan loss allowance to noncurrent loans | 1,487.1795% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,424 |
| Noncurrent loans to loans | 0.0877% | 6,135 |
| Net loans and leases to total assets | 36.5658% | 6,263 |
| Net loans and leases to deposits | 39.6544% | 6,419 |
| Net loans and leases to core deposits | 41.6116% | 6,418 |
| Total domestic deposits to total assets | 92.2112% | 218 |
| Equity capital to assets | 7.5959% | 6,409 |
| Core capital (leverage) ratio | 7.5732% | 6,425 |
| Tier 1 risk-based capital ratio | 23.2685% | 1,093 |
| Total risk-based capital ratio | 24.5224% | 1,077 |
| Memoranda: | ||
| Average total assets | $239,639,000 | 2,655 |
| Average earning assets | $233,751,670 | 2,506 |
| Average equity | $18,341,330 | 3,418 |
| Average total loans | $86,201,000 | 3,814 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0574% | 6,921 |
| Cost of funding earning assets | 0.1970% | 6,587 |
| Net interest margin | 1.8604% | 6,881 |
| Noninterest income to average assets | 0.8869% | 1,800 |
| Noninterest expense to average assets | 2.2967% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3842% | 5,189 |
| Return on assets (ROA) | 0.3842% | 5,333 |
| Pretax return on assets | 0.4042% | 5,546 |
| Return on Equity (ROE) | 5.0004% | 4,569 |
| Retained earnings to average equity (ytd only) | 5.0004% | 3,230 |
| Net charge-offs to loans | 0.0141% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 463 |
| Efficiency ratio | 85.0340% | 1,634 |
| Assets per employee ($millions) | 3.6951% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,312 |
| Loan loss allowance to noncurrent loans | 2,406.2500% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 6,556 |
| Noncurrent loans to loans | 0.0576% | 6,302 |
| Net loans and leases to total assets | 33.2119% | 6,456 |
| Net loans and leases to deposits | 35.9396% | 6,572 |
| Net loans and leases to core deposits | 37.3401% | 6,585 |
| Total domestic deposits to total assets | 92.4104% | 187 |
| Equity capital to assets | 7.4798% | 6,601 |
| Core capital (leverage) ratio | 7.5126% | 6,463 |
| Tier 1 risk-based capital ratio | 24.4488% | 962 |
| Total risk-based capital ratio | 25.7027% | 943 |
| Memoranda: | ||
| Average total assets | $239,479,000 | 2,678 |
| Average earning assets | $233,493,000 | 2,533 |
| Average equity | $18,398,500 | 3,470 |
| Average total loans | $84,850,000 | 3,872 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4930% | 6,940 |
| Cost of funding earning assets | 0.2541% | 6,656 |
| Net interest margin | 2.2389% | 6,865 |
| Noninterest income to average assets | 1.1507% | 1,182 |
| Noninterest expense to average assets | 2.5211% | 5,025 |
| Loan and lease loss provision to assets | 0.0407% | 5,356 |
| Net operating income to assets | 0.7741% | 3,395 |
| Return on assets (ROA) | 0.7741% | 3,647 |
| Pretax return on assets | 0.7741% | 4,394 |
| Return on Equity (ROE) | 9.4259% | 2,435 |
| Retained earnings to average equity (ytd only) | 2.9661% | 4,142 |
| Net charge-offs to loans | -0.0449% | 6,688 |
| Credit loss provision to net charge-offs | -235.8974% | 6,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5765% | 2,815 |
| Assets per employee ($millions) | 3.3534% | 5,321 |
| Cash dividends to net income (ytd only)* | 68.5323% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,448 |
| Loan loss allowance to noncurrent loans | 4,453.8462% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 6,658 |
| Noncurrent loans to loans | 0.0301% | 6,439 |
| Net loans and leases to total assets | 36.8059% | 6,383 |
| Net loans and leases to deposits | 40.0394% | 6,548 |
| Net loans and leases to core deposits | 41.7767% | 6,553 |
| Total domestic deposits to total assets | 91.9242% | 257 |
| Equity capital to assets | 7.8999% | 6,459 |
| Core capital (leverage) ratio | 7.5875% | 6,452 |
| Tier 1 risk-based capital ratio | 23.2000% | 1,078 |
| Total risk-based capital ratio | 24.4533% | 1,064 |
| Memoranda: | ||
| Average total assets | $226,209,800 | 2,772 |
| Average earning assets | $220,779,200 | 2,610 |
| Average equity | $18,576,400 | 3,389 |
| Average total loans | $86,816,600 | 3,828 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5377% | 7,040 |
| Cost of funding earning assets | 0.2665% | 6,744 |
| Net interest margin | 2.2712% | 6,955 |
| Noninterest income to average assets | 1.1168% | 1,204 |
| Noninterest expense to average assets | 2.4168% | 5,351 |
| Loan and lease loss provision to assets | 0.0451% | 5,210 |
| Net operating income to assets | 0.8726% | 3,118 |
| Return on assets (ROA) | 0.8726% | 3,362 |
| Pretax return on assets | 0.8726% | 4,216 |
| Return on Equity (ROE) | 10.5230% | 2,127 |
| Retained earnings to average equity (ytd only) | 10.5230% | 782 |
| Net charge-offs to loans | -0.0153% | 6,441 |
| Credit loss provision to net charge-offs | -760.0000% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4800% | 3,236 |
| Assets per employee ($millions) | 3.5349% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 4,953 |
| Loan loss allowance to noncurrent loans | 11,130.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 6,798 |
| Noncurrent loans to loans | 0.0114% | 6,629 |
| Net loans and leases to total assets | 36.5505% | 6,521 |
| Net loans and leases to deposits | 39.9002% | 6,677 |
| Net loans and leases to core deposits | 41.5998% | 6,682 |
| Total domestic deposits to total assets | 91.6048% | 268 |
| Equity capital to assets | 8.1550% | 6,514 |
| Core capital (leverage) ratio | 8.0807% | 6,254 |
| Tier 1 risk-based capital ratio | 24.3908% | 969 |
| Total risk-based capital ratio | 25.6437% | 956 |
| Memoranda: | ||
| Average total assets | $224,916,250 | 2,806 |
| Average earning assets | $219,614,250 | 2,649 |
| Average equity | $18,650,750 | 3,412 |
| Average total loans | $86,940,500 | 3,860 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6010% | 7,101 |
| Cost of funding earning assets | 0.2847% | 6,787 |
| Net interest margin | 2.3163% | 7,002 |
| Noninterest income to average assets | 0.8645% | 1,913 |
| Noninterest expense to average assets | 2.1182% | 6,199 |
| Loan and lease loss provision to assets | 0.0453% | 5,108 |
| Net operating income to assets | 0.9622% | 2,610 |
| Return on assets (ROA) | 0.9622% | 2,857 |
| Pretax return on assets | 0.9622% | 3,843 |
| Return on Equity (ROE) | 11.5357% | 1,816 |
| Retained earnings to average equity (ytd only) | 11.5357% | 656 |
| Net charge-offs to loans | -0.0185% | 6,411 |
| Credit loss provision to net charge-offs | -625.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7672% | 4,170 |
| Assets per employee ($millions) | 3.5010% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 4,975 |
| Loan loss allowance to noncurrent loans | 3,616.6667% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 6,806 |
| Noncurrent loans to loans | 0.0354% | 6,595 |
| Net loans and leases to total assets | 37.8874% | 6,488 |
| Net loans and leases to deposits | 41.5243% | 6,677 |
| Net loans and leases to core deposits | 43.4366% | 6,682 |
| Total domestic deposits to total assets | 91.2415% | 371 |
| Equity capital to assets | 8.5581% | 6,155 |
| Core capital (leverage) ratio | 8.2162% | 6,031 |
| Tier 1 risk-based capital ratio | 24.7139% | 931 |
| Total risk-based capital ratio | 25.9794% | 914 |
| Memoranda: | ||
| Average total assets | $220,942,670 | 2,857 |
| Average earning assets | $215,688,670 | 2,694 |
| Average equity | $18,429,670 | 3,438 |
| Average total loans | $86,694,670 | 3,889 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6444% | 7,147 |
| Cost of funding earning assets | 0.3023% | 6,835 |
| Net interest margin | 2.3421% | 7,046 |
| Noninterest income to average assets | 0.7959% | 2,187 |
| Noninterest expense to average assets | 1.7564% | 6,846 |
| Loan and lease loss provision to assets | 0.0452% | 4,839 |
| Net operating income to assets | 1.2789% | 1,507 |
| Return on assets (ROA) | 1.2789% | 1,681 |
| Pretax return on assets | 1.2789% | 2,617 |
| Return on Equity (ROE) | 15.5329% | 878 |
| Retained earnings to average equity (ytd only) | 15.5329% | 402 |
| Net charge-offs to loans | -0.0182% | 6,152 |
| Credit loss provision to net charge-offs | -625.0000% | 5,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0170% | 6,031 |
| Assets per employee ($millions) | 3.4312% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 5,409 |
| Loan loss allowance to noncurrent loans | 471.4286% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 6,629 |
| Noncurrent loans to loans | 0.2582% | 6,175 |
| Net loans and leases to total assets | 38.4307% | 6,465 |
| Net loans and leases to deposits | 41.9571% | 6,661 |
| Net loans and leases to core deposits | 44.1896% | 6,644 |
| Total domestic deposits to total assets | 91.5953% | 350 |
| Equity capital to assets | 8.2765% | 6,287 |
| Core capital (leverage) ratio | 8.0321% | 6,228 |
| Tier 1 risk-based capital ratio | 23.9518% | 1,013 |
| Total risk-based capital ratio | 25.2026% | 998 |
| Memoranda: | ||
| Average total assets | $221,132,000 | 2,878 |
| Average earning assets | $215,702,000 | 2,696 |
| Average equity | $18,206,500 | 3,462 |
| Average total loans | $87,716,500 | 3,891 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0582% | 7,163 |
| Cost of funding earning assets | 0.4201% | 6,831 |
| Net interest margin | 2.6381% | 6,980 |
| Noninterest income to average assets | 0.7770% | 2,185 |
| Noninterest expense to average assets | 2.4965% | 5,477 |
| Loan and lease loss provision to assets | 0.0465% | 5,993 |
| Net operating income to assets | 0.8095% | 2,995 |
| Return on assets (ROA) | 0.8095% | 3,166 |
| Pretax return on assets | 0.8095% | 3,945 |
| Return on Equity (ROE) | 9.5641% | 2,222 |
| Retained earnings to average equity (ytd only) | 2.9720% | 4,120 |
| Net charge-offs to loans | 0.1922% | 4,602 |
| Credit loss provision to net charge-offs | 60.2410% | 5,164 |
| Earnings coverage of net charge-offs (x) | 11.0904% | 1,760 |
| Efficiency ratio | 74.4660% | 3,150 |
| Assets per employee ($millions) | 3.6539% | 4,651 |
| Cash dividends to net income (ytd only)* | 68.9259% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,583 |
| Loan loss allowance to noncurrent loans | 7,335.7143% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,975 |
| Noncurrent loans to loans | 0.0158% | 6,795 |
| Net loans and leases to total assets | 39.9746% | 6,547 |
| Net loans and leases to deposits | 44.6934% | 6,688 |
| Net loans and leases to core deposits | 46.3362% | 6,723 |
| Total domestic deposits to total assets | 89.4419% | 1,297 |
| Equity capital to assets | 8.1894% | 6,443 |
| Core capital (leverage) ratio | 7.8395% | 6,410 |
| Tier 1 risk-based capital ratio | 22.4793% | 1,169 |
| Total risk-based capital ratio | 23.7427% | 1,139 |
| Memoranda: | ||
| Average total assets | $215,058,800 | 2,893 |
| Average earning assets | $209,960,400 | 2,730 |
| Average equity | $18,203,400 | 3,399 |
| Average total loans | $86,382,400 | 3,953 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1219% | 7,226 |
| Cost of funding earning assets | 0.4396% | 6,912 |
| Net interest margin | 2.6822% | 6,999 |
| Noninterest income to average assets | 0.7295% | 2,421 |
| Noninterest expense to average assets | 2.4590% | 5,599 |
| Loan and lease loss provision to assets | 0.0467% | 5,855 |
| Net operating income to assets | 0.8429% | 2,973 |
| Return on assets (ROA) | 0.8429% | 3,123 |
| Pretax return on assets | 0.8429% | 3,971 |
| Return on Equity (ROE) | 9.8761% | 2,238 |
| Retained earnings to average equity (ytd only) | 8.4162% | 1,346 |
| Net charge-offs to loans | 0.1445% | 4,621 |
| Credit loss provision to net charge-offs | 80.6452% | 4,122 |
| Earnings coverage of net charge-offs (x) | 15.3544% | 1,471 |
| Efficiency ratio | 73.4326% | 3,291 |
| Assets per employee ($millions) | 3.3829% | 5,289 |
| Cash dividends to net income (ytd only)* | 14.7820% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 5,113 |
| Loan loss allowance to noncurrent loans | 1,168.4783% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,947 |
| Noncurrent loans to loans | 0.1093% | 6,656 |
| Net loans and leases to total assets | 37.7969% | 6,781 |
| Net loans and leases to deposits | 42.4498% | 6,892 |
| Net loans and leases to core deposits | 44.0204% | 6,921 |
| Total domestic deposits to total assets | 89.0389% | 1,413 |
| Equity capital to assets | 8.5353% | 6,264 |
| Core capital (leverage) ratio | 8.2239% | 6,105 |
| Tier 1 risk-based capital ratio | 24.2833% | 983 |
| Total risk-based capital ratio | 25.5418% | 964 |
| Memoranda: | ||
| Average total assets | $214,015,000 | 2,912 |
| Average earning assets | $208,973,500 | 2,745 |
| Average equity | $18,265,750 | 3,396 |
| Average total loans | $85,811,750 | 4,011 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1981% | 7,284 |
| Cost of funding earning assets | 0.4639% | 6,972 |
| Net interest margin | 2.7342% | 6,990 |
| Noninterest income to average assets | 0.6112% | 3,064 |
| Noninterest expense to average assets | 2.4946% | 5,560 |
| Loan and lease loss provision to assets | 0.0472% | 5,721 |
| Net operating income to assets | 0.7375% | 3,349 |
| Return on assets (ROA) | 0.7375% | 3,471 |
| Pretax return on assets | 0.7375% | 4,255 |
| Return on Equity (ROE) | 8.6417% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.6417% | 1,220 |
| Net charge-offs to loans | 0.2177% | 3,827 |
| Credit loss provision to net charge-offs | 53.1915% | 4,505 |
| Earnings coverage of net charge-offs (x) | 8.8511% | 1,996 |
| Efficiency ratio | 76.0713% | 2,998 |
| Assets per employee ($millions) | 3.2295% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 5,289 |
| Loan loss allowance to noncurrent loans | 754.6763% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 6,934 |
| Noncurrent loans to loans | 0.1661% | 6,566 |
| Net loans and leases to total assets | 38.7677% | 6,816 |
| Net loans and leases to deposits | 44.2279% | 6,915 |
| Net loans and leases to core deposits | 45.5368% | 6,960 |
| Total domestic deposits to total assets | 87.6544% | 2,366 |
| Equity capital to assets | 8.6467% | 6,004 |
| Core capital (leverage) ratio | 8.2835% | 5,897 |
| Tier 1 risk-based capital ratio | 23.8313% | 1,022 |
| Total risk-based capital ratio | 25.0965% | 1,010 |
| Memoranda: | ||
| Average total assets | $212,058,000 | 2,948 |
| Average earning assets | $206,932,330 | 2,794 |
| Average equity | $18,098,330 | 3,400 |
| Average total loans | $86,354,000 | 4,038 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1342% | 7,365 |
| Cost of funding earning assets | 0.4810% | 7,035 |
| Net interest margin | 2.6531% | 7,069 |
| Noninterest income to average assets | 0.5705% | 3,363 |
| Noninterest expense to average assets | 2.2860% | 6,226 |
| Loan and lease loss provision to assets | 0.0517% | 5,354 |
| Net operating income to assets | 0.8226% | 2,917 |
| Return on assets (ROA) | 0.8226% | 2,976 |
| Pretax return on assets | 0.8206% | 3,826 |
| Return on Equity (ROE) | 9.7103% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.7103% | 1,177 |
| Net charge-offs to loans | -0.0052% | 6,247 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3822% | 3,792 |
| Assets per employee ($millions) | 3.3196% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 5,103 |
| Loan loss allowance to noncurrent loans | 759.2308% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 6,991 |
| Noncurrent loans to loans | 0.1719% | 6,623 |
| Net loans and leases to total assets | 38.7558% | 6,859 |
| Net loans and leases to deposits | 44.5195% | 6,933 |
| Net loans and leases to core deposits | 45.5667% | 6,986 |
| Total domestic deposits to total assets | 87.0535% | 2,917 |
| Equity capital to assets | 8.5468% | 5,840 |
| Core capital (leverage) ratio | 8.0263% | 6,222 |
| Tier 1 risk-based capital ratio | 23.9765% | 974 |
| Total risk-based capital ratio | 25.2435% | 956 |
| Memoranda: | ||
| Average total assets | $193,522,500 | 3,197 |
| Average earning assets | $188,758,000 | 3,030 |
| Average equity | $16,395,000 | 3,656 |
| Average total loans | $77,339,500 | 4,347 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 7,402 |
| Cost of funding earning assets | 0.6486% | 7,008 |
| Net interest margin | 2.8142% | 7,013 |
| Noninterest income to average assets | 0.8917% | 1,881 |
| Noninterest expense to average assets | 2.6803% | 5,080 |
| Loan and lease loss provision to assets | 0.0531% | 6,622 |
| Net operating income to assets | 0.9023% | 2,376 |
| Return on assets (ROA) | 0.9023% | 2,513 |
| Pretax return on assets | 0.9002% | 3,290 |
| Return on Equity (ROE) | 10.0404% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.1308% | 2,959 |
| Net charge-offs to loans | 0.0541% | 6,250 |
| Credit loss provision to net charge-offs | 243.9024% | 1,181 |
| Earnings coverage of net charge-offs (x) | 43.7805% | 531 |
| Efficiency ratio | 73.7650% | 3,450 |
| Assets per employee ($millions) | 2.9471% | 6,217 |
| Cash dividends to net income (ytd only)* | 58.8582% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 5,438 |
| Loan loss allowance to noncurrent loans | 1,434.3284% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 7,150 |
| Noncurrent loans to loans | 0.0847% | 6,920 |
| Net loans and leases to total assets | 40.1587% | 6,953 |
| Net loans and leases to deposits | 46.0161% | 7,042 |
| Net loans and leases to core deposits | 47.0106% | 7,112 |
| Total domestic deposits to total assets | 87.2708% | 2,687 |
| Equity capital to assets | 8.3977% | 6,005 |
| Core capital (leverage) ratio | 7.9612% | 6,256 |
| Tier 1 risk-based capital ratio | 22.3316% | 1,132 |
| Total risk-based capital ratio | 23.5978% | 1,108 |
| Memoranda: | ||
| Average total assets | $188,301,800 | 3,254 |
| Average earning assets | $183,460,000 | 3,086 |
| Average equity | $16,921,600 | 3,609 |
| Average total loans | $75,841,600 | 4,459 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 7,521 |
| Cost of funding earning assets | 0.6795% | 7,108 |
| Net interest margin | 2.8513% | 7,076 |
| Noninterest income to average assets | 0.7889% | 2,293 |
| Noninterest expense to average assets | 2.4331% | 5,932 |
| Loan and lease loss provision to assets | 0.0714% | 6,348 |
| Net operating income to assets | 1.0645% | 2,021 |
| Return on assets (ROA) | 1.0645% | 2,134 |
| Pretax return on assets | 1.0616% | 2,962 |
| Return on Equity (ROE) | 11.6469% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.6469% | 505 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2282% | 4,423 |
| Assets per employee ($millions) | 3.2743% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 4,845 |
| Loan loss allowance to noncurrent loans | 415.7676% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 7,046 |
| Noncurrent loans to loans | 0.3178% | 6,562 |
| Net loans and leases to total assets | 38.7349% | 7,149 |
| Net loans and leases to deposits | 45.1577% | 7,198 |
| Net loans and leases to core deposits | 46.0572% | 7,268 |
| Total domestic deposits to total assets | 85.7768% | 3,201 |
| Equity capital to assets | 9.0851% | 5,467 |
| Core capital (leverage) ratio | 8.4897% | 5,528 |
| Tier 1 risk-based capital ratio | 24.3133% | 913 |
| Total risk-based capital ratio | 25.5667% | 895 |
| Memoranda: | ||
| Average total assets | $186,750,750 | 3,322 |
| Average earning assets | $181,898,500 | 3,148 |
| Average equity | $17,068,500 | 3,628 |
| Average total loans | $75,034,000 | 4,559 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 7,576 |
| Cost of funding earning assets | 0.7109% | 7,167 |
| Net interest margin | 2.8724% | 7,048 |
| Noninterest income to average assets | 0.6901% | 2,763 |
| Noninterest expense to average assets | 2.3672% | 6,159 |
| Loan and lease loss provision to assets | 0.1083% | 5,829 |
| Net operating income to assets | 1.0162% | 2,136 |
| Return on assets (ROA) | 1.0162% | 2,208 |
| Pretax return on assets | 1.0119% | 3,072 |
| Return on Equity (ROE) | 11.0956% | 1,719 |
| Retained earnings to average equity (ytd only) | 11.0956% | 636 |
| Net charge-offs to loans | -0.0027% | 7,080 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8782% | 4,607 |
| Assets per employee ($millions) | 3.1767% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,602 |
| Loan loss allowance to noncurrent loans | 14,328.5714% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 7,418 |
| Noncurrent loans to loans | 0.0095% | 7,309 |
| Net loans and leases to total assets | 40.0320% | 7,164 |
| Net loans and leases to deposits | 47.0670% | 7,203 |
| Net loans and leases to core deposits | 48.3901% | 7,269 |
| Total domestic deposits to total assets | 85.0533% | 3,596 |
| Equity capital to assets | 9.5079% | 4,689 |
| Core capital (leverage) ratio | 8.5066% | 5,394 |
| Tier 1 risk-based capital ratio | 24.0439% | 939 |
| Total risk-based capital ratio | 25.3120% | 920 |
| Memoranda: | ||
| Average total assets | $184,606,000 | 3,376 |
| Average earning assets | $179,777,000 | 3,193 |
| Average equity | $16,907,670 | 3,649 |
| Average total loans | $74,768,000 | 4,613 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 7,689 |
| Cost of funding earning assets | 0.7458% | 7,241 |
| Net interest margin | 2.8156% | 7,159 |
| Noninterest income to average assets | 0.5945% | 3,314 |
| Noninterest expense to average assets | 2.2407% | 6,580 |
| Loan and lease loss provision to assets | 0.1288% | 5,281 |
| Net operating income to assets | 0.9722% | 2,296 |
| Return on assets (ROA) | 0.9722% | 2,355 |
| Pretax return on assets | 0.9637% | 3,224 |
| Return on Equity (ROE) | 10.8157% | 1,830 |
| Retained earnings to average equity (ytd only) | 10.8157% | 955 |
| Net charge-offs to loans | -0.0318% | 7,213 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2247% | 4,875 |
| Assets per employee ($millions) | 3.1685% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,940 |
| Loan loss allowance to noncurrent loans | 1,166.2651% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 7,378 |
| Noncurrent loans to loans | 0.1115% | 7,125 |
| Net loans and leases to total assets | 39.9892% | 7,251 |
| Net loans and leases to deposits | 44.2788% | 7,394 |
| Net loans and leases to core deposits | 48.1450% | 7,356 |
| Total domestic deposits to total assets | 90.3125% | 823 |
| Equity capital to assets | 9.1178% | 5,108 |
| Core capital (leverage) ratio | 7.9923% | 6,254 |
| Tier 1 risk-based capital ratio | 23.0110% | 1,081 |
| Total risk-based capital ratio | 24.2774% | 1,051 |
| Memoranda: | ||
| Average total assets | $186,374,000 | 3,417 |
| Average earning assets | $181,273,000 | 3,240 |
| Average equity | $16,753,500 | 3,705 |
| Average total loans | $75,407,500 | 4,658 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 7,689 |
| Cost of funding earning assets | 0.8876% | 7,427 |
| Net interest margin | 3.1262% | 6,288 |
| Noninterest income to average assets | 0.8042% | 2,387 |
| Noninterest expense to average assets | 2.6985% | 5,401 |
| Loan and lease loss provision to assets | 0.2108% | 5,659 |
| Net operating income to assets | 0.9480% | 2,012 |
| Return on assets (ROA) | 0.9480% | 2,066 |
| Pretax return on assets | 0.9442% | 2,781 |
| Return on Equity (ROE) | 9.8380% | 1,734 |
| Retained earnings to average equity (ytd only) | 1.7051% | 3,888 |
| Net charge-offs to loans | 0.1627% | 5,651 |
| Credit loss provision to net charge-offs | 304.6875% | 1,084 |
| Earnings coverage of net charge-offs (x) | 16.6953% | 1,239 |
| Efficiency ratio | 70.0281% | 4,622 |
| Assets per employee ($millions) | 3.2582% | 5,595 |
| Cash dividends to net income (ytd only)* | 82.6682% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 39.9289% | 7,352 |
| Net loans and leases to deposits | 44.2534% | 7,506 |
| Net loans and leases to core deposits | 51.4875% | 7,545 |
| Total domestic deposits to total assets | 90.2279% | 865 |
| Equity capital to assets | 8.8641% | 5,333 |
| Core capital (leverage) ratio | 7.6720% | 6,582 |
| Tier 1 risk-based capital ratio | 21.7398% | 1,183 |
| Total risk-based capital ratio | 22.9912% | 1,161 |
| Memoranda: | ||
| Average total assets | $185,028,000 | 3,350 |
| Average earning assets | $180,477,200 | 3,212 |
| Average equity | $17,828,800 | 3,530 |
| Average total loans | $78,661,200 | 4,565 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 7,777 |
| Cost of funding earning assets | 0.9131% | 7,531 |
| Net interest margin | 3.1756% | 6,101 |
| Noninterest income to average assets | 0.8527% | 2,188 |
| Noninterest expense to average assets | 2.4320% | 6,304 |
| Loan and lease loss provision to assets | 0.1630% | 5,724 |
| Net operating income to assets | 1.3620% | 1,095 |
| Return on assets (ROA) | 1.3620% | 1,155 |
| Pretax return on assets | 1.3569% | 1,807 |
| Return on Equity (ROE) | 13.8500% | 960 |
| Retained earnings to average equity (ytd only) | 12.0082% | 342 |
| Net charge-offs to loans | 0.0303% | 6,465 |
| Credit loss provision to net charge-offs | 1,250.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 116.5525% | 318 |
| Efficiency ratio | 61.5399% | 6,183 |
| Assets per employee ($millions) | 3.1387% | 5,813 |
| Cash dividends to net income (ytd only)* | 13.2981% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 5,835 |
| Loan loss allowance to noncurrent loans | 951.6854% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 7,456 |
| Noncurrent loans to loans | 0.1136% | 7,193 |
| Net loans and leases to total assets | 39.8249% | 7,473 |
| Net loans and leases to deposits | 45.0864% | 7,596 |
| Net loans and leases to core deposits | 52.1675% | 7,643 |
| Total domestic deposits to total assets | 88.3300% | 1,505 |
| Equity capital to assets | 9.4023% | 4,879 |
| Core capital (leverage) ratio | 8.4412% | 5,593 |
| Tier 1 risk-based capital ratio | 22.7002% | 1,147 |
| Total risk-based capital ratio | 23.9067% | 1,128 |
| Memoranda: | ||
| Average total assets | $184,041,000 | 3,402 |
| Average earning assets | $179,613,000 | 3,239 |
| Average equity | $18,098,250 | 3,518 |
| Average total loans | $79,237,000 | 4,571 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 7,821 |
| Cost of funding earning assets | 0.9458% | 7,630 |
| Net interest margin | 3.2666% | 5,679 |
| Noninterest income to average assets | 0.9727% | 1,683 |
| Noninterest expense to average assets | 2.5083% | 6,092 |
| Loan and lease loss provision to assets | 0.1662% | 5,402 |
| Net operating income to assets | 1.4935% | 848 |
| Return on assets (ROA) | 1.4935% | 907 |
| Pretax return on assets | 1.4857% | 1,487 |
| Return on Equity (ROE) | 14.9512% | 837 |
| Retained earnings to average equity (ytd only) | 14.9512% | 208 |
| Net charge-offs to loans | 0.0402% | 5,907 |
| Credit loss provision to net charge-offs | 937.5000% | 514 |
| Earnings coverage of net charge-offs (x) | 93.1875% | 410 |
| Efficiency ratio | 60.2929% | 6,497 |
| Assets per employee ($millions) | 3.0134% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 6,415 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 7,568 |
| Noncurrent loans to loans | 0.0542% | 7,398 |
| Net loans and leases to total assets | 42.7276% | 7,407 |
| Net loans and leases to deposits | 48.5300% | 7,544 |
| Net loans and leases to core deposits | 55.5402% | 7,613 |
| Total domestic deposits to total assets | 88.0436% | 1,743 |
| Equity capital to assets | 9.8674% | 4,124 |
| Core capital (leverage) ratio | 8.5802% | 5,296 |
| Tier 1 risk-based capital ratio | 22.1231% | 1,235 |
| Total risk-based capital ratio | 23.2171% | 1,234 |
| Memoranda: | ||
| Average total assets | $180,520,670 | 3,473 |
| Average earning assets | $176,144,330 | 3,314 |
| Average equity | $18,032,000 | 3,542 |
| Average total loans | $79,533,670 | 4,599 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 7,844 |
| Cost of funding earning assets | 1.0023% | 7,668 |
| Net interest margin | 3.3074% | 5,472 |
| Noninterest income to average assets | 1.0220% | 1,423 |
| Noninterest expense to average assets | 2.6320% | 5,313 |
| Loan and lease loss provision to assets | 0.1677% | 4,785 |
| Net operating income to assets | 1.4625% | 1,009 |
| Return on assets (ROA) | 1.4625% | 1,085 |
| Pretax return on assets | 1.4468% | 1,824 |
| Return on Equity (ROE) | 14.5503% | 1,063 |
| Retained earnings to average equity (ytd only) | 14.5503% | 465 |
| Net charge-offs to loans | 0.0352% | 5,022 |
| Credit loss provision to net charge-offs | 1,071.4286% | 580 |
| Earnings coverage of net charge-offs (x) | 103.1429% | 424 |
| Efficiency ratio | 61.9800% | 6,052 |
| Assets per employee ($millions) | 3.0941% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 6,730 |
| Loan loss allowance to noncurrent loans | 5,900.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 7,603 |
| Noncurrent loans to loans | 0.0153% | 7,522 |
| Net loans and leases to total assets | 43.2682% | 7,394 |
| Net loans and leases to deposits | 49.5599% | 7,518 |
| Net loans and leases to core deposits | 56.6283% | 7,589 |
| Total domestic deposits to total assets | 87.3049% | 2,068 |
| Equity capital to assets | 9.9808% | 4,023 |
| Core capital (leverage) ratio | 8.2527% | 5,995 |
| Tier 1 risk-based capital ratio | 20.2586% | 1,570 |
| Total risk-based capital ratio | 21.2174% | 1,585 |
| Memoranda: | ||
| Average total assets | $178,872,000 | 3,525 |
| Average earning assets | $174,397,000 | 3,360 |
| Average equity | $17,979,000 | 3,562 |
| Average total loans | $79,643,000 | 4,627 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 7,836 |
| Cost of funding earning assets | 1.7219% | 7,212 |
| Net interest margin | 3.2762% | 6,118 |
| Noninterest income to average assets | 0.6505% | 3,473 |
| Noninterest expense to average assets | 2.6352% | 5,506 |
| Loan and lease loss provision to assets | 0.0524% | 6,762 |
| Net operating income to assets | 1.0506% | 2,347 |
| Return on assets (ROA) | 1.0506% | 2,243 |
| Pretax return on assets | 1.0465% | 3,220 |
| Return on Equity (ROE) | 10.7893% | 1,973 |
| Retained earnings to average equity (ytd only) | 4.8086% | 2,140 |
| Net charge-offs to loans | 0.1050% | 5,251 |
| Credit loss provision to net charge-offs | 112.5000% | 4,790 |
| Earnings coverage of net charge-offs (x) | 23.5875% | 1,417 |
| Efficiency ratio | 70.5708% | 4,236 |
| Assets per employee ($millions) | 3.0739% | 5,855 |
| Cash dividends to net income (ytd only)* | 55.4324% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7908% | 7,142 |
| Loan loss allowance to noncurrent loans | 744.1860% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 7,367 |
| Noncurrent loans to loans | 0.1063% | 7,094 |
| Net loans and leases to total assets | 45.0342% | 7,405 |
| Net loans and leases to deposits | 51.3228% | 7,565 |
| Net loans and leases to core deposits | 58.8187% | 7,638 |
| Total domestic deposits to total assets | 87.7469% | 1,580 |
| Equity capital to assets | 10.1223% | 3,895 |
| Core capital (leverage) ratio | 8.0708% | 6,372 |
| Tier 1 risk-based capital ratio | 19.0652% | 1,800 |
| Total risk-based capital ratio | 19.9182% | 1,827 |
| Memoranda: | ||
| Average total assets | $171,714,600 | 3,526 |
| Average earning assets | $161,622,600 | 3,446 |
| Average equity | $16,720,200 | 3,786 |
| Average total loans | $76,185,400 | 4,645 |