| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5303% | 1,121 |
| Cost of funding earning assets | 1.7095% | 1,431 |
| Net interest margin | 3.8208% | 1,535 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.9053% | 3,825 |
| Loan and lease loss provision to assets | -0.1300% | 4,536 |
| Net operating income to assets | 1.4224% | 1,176 |
| Return on assets (ROA) | 1.4224% | 1,148 |
| Pretax return on assets | 2.0288% | 639 |
| Return on Equity (ROE) | 16.1800% | 1,067 |
| Retained earnings to average equity (ytd only) | 14.4026% | 366 |
| Net charge-offs to loans | -0.2676% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.1372% | 3,972 |
| Assets per employee ($millions) | 14.7561% | 225 |
| Cash dividends to net income (ytd only)* | 10.9613% | 3,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3588% | 1,549 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.3900% | 2,523 |
| Net loans and leases to deposits | 74.8321% | 2,555 |
| Net loans and leases to core deposits | 117.7711% | 694 |
| Total domestic deposits to total assets | 84.7100% | 2,406 |
| Equity capital to assets | 8.8874% | 2,755 |
| Core capital (leverage) ratio | 9.2326% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9622% | 1,545 |
| Memoranda: |
| Average total assets | $834,463,800 | 1,147 |
| Average earning assets | $807,900,000 | 1,097 |
| Average equity | $73,375,400 | 1,202 |
| Average total loans | $567,569,800 | 1,122 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5050% | 1,011 |
| Cost of funding earning assets | 1.5617% | 1,450 |
| Net interest margin | 3.9433% | 1,318 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.8640% | 3,861 |
| Loan and lease loss provision to assets | -0.1800% | 4,583 |
| Net operating income to assets | 1.5737% | 976 |
| Return on assets (ROA) | 1.5737% | 966 |
| Pretax return on assets | 2.2428% | 530 |
| Return on Equity (ROE) | 17.9500% | 954 |
| Retained earnings to average equity (ytd only) | 16.2092% | 447 |
| Net charge-offs to loans | -0.3570% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.4848% | 4,068 |
| Assets per employee ($millions) | 15.9419% | 167 |
| Cash dividends to net income (ytd only)* | 9.6917% | 2,787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3393% | 1,701 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.1600% | 2,228 |
| Net loans and leases to deposits | 78.8626% | 2,159 |
| Net loans and leases to core deposits | 118.0473% | 604 |
| Total domestic deposits to total assets | 83.8900% | 2,806 |
| Equity capital to assets | 8.9198% | 2,467 |
| Core capital (leverage) ratio | 9.0889% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4179% | 1,746 |
| Memoranda: |
| Average total assets | $821,738,250 | 1,156 |
| Average earning assets | $795,794,500 | 1,110 |
| Average equity | $72,047,750 | 1,218 |
| Average total loans | $567,226,750 | 1,121 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2471% | 1,154 |
| Cost of funding earning assets | 1.3197% | 1,658 |
| Net interest margin | 3.9274% | 1,377 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.8121% | 3,974 |
| Loan and lease loss provision to assets | -0.2700% | 4,623 |
| Net operating income to assets | 1.6698% | 832 |
| Return on assets (ROA) | 1.6698% | 836 |
| Pretax return on assets | 2.3784% | 414 |
| Return on Equity (ROE) | 19.1600% | 811 |
| Retained earnings to average equity (ytd only) | 17.4973% | 373 |
| Net charge-offs to loans | -0.5260% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.1922% | 4,155 |
| Assets per employee ($millions) | 15.6603% | 170 |
| Cash dividends to net income (ytd only)* | 8.6937% | 2,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3470% | 1,727 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.7400% | 2,184 |
| Net loans and leases to deposits | 77.4278% | 2,185 |
| Net loans and leases to core deposits | 86.3460% | 2,045 |
| Total domestic deposits to total assets | 84.9000% | 2,573 |
| Equity capital to assets | 8.6240% | 2,762 |
| Core capital (leverage) ratio | 9.0009% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0107% | 1,893 |
| Memoranda: |
| Average total assets | $808,697,000 | 1,171 |
| Average earning assets | $783,673,000 | 1,123 |
| Average equity | $70,468,000 | 1,230 |
| Average total loans | $563,885,667 | 1,118 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1336% | 1,043 |
| Cost of funding earning assets | 1.0865% | 1,787 |
| Net interest margin | 4.0471% | 1,185 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.8743% | 3,907 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.5235% | 1,134 |
| Return on assets (ROA) | 1.5235% | 1,115 |
| Pretax return on assets | 2.1687% | 595 |
| Return on Equity (ROE) | 17.3900% | 1,116 |
| Retained earnings to average equity (ytd only) | 15.6822% | 720 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.1364% | 4,209 |
| Assets per employee ($millions) | 15.4389% | 188 |
| Cash dividends to net income (ytd only)* | 9.7987% | 2,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3254% | 1,918 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.7900% | 2,081 |
| Net loans and leases to deposits | 78.4934% | 1,930 |
| Net loans and leases to core deposits | 86.2306% | 1,850 |
| Total domestic deposits to total assets | 83.8200% | 3,128 |
| Equity capital to assets | 8.4960% | 2,894 |
| Core capital (leverage) ratio | 9.1746% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7207% | 2,080 |
| Memoranda: |
| Average total assets | $782,387,000 | 1,215 |
| Average earning assets | $758,372,500 | 1,172 |
| Average equity | $68,562,000 | 1,267 |
| Average total loans | $558,863,000 | 1,139 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9219% | 1,928 |
| Cost of funding earning assets | 0.3286% | 2,648 |
| Net interest margin | 3.5932% | 1,666 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.8189% | 3,994 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.1535% | 1,957 |
| Return on assets (ROA) | 1.1535% | 1,897 |
| Pretax return on assets | 1.5389% | 1,329 |
| Return on Equity (ROE) | 13.6200% | 1,623 |
| Retained earnings to average equity (ytd only) | 11.8963% | 690 |
| Net charge-offs to loans | 0.0762% | 886 |
| Credit loss provision to net charge-offs | 536.1757% | 650 |
| Earnings coverage of net charge-offs (x) | 34.4057% | 1,598 |
| Efficiency ratio | 49.9436% | 4,131 |
| Assets per employee ($millions) | 14.3348% | 228 |
| Cash dividends to net income (ytd only)* | 12.6291% | 3,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2691% | 2,052 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.8800% | 1,022 |
| Net loans and leases to deposits | 84.5174% | 1,422 |
| Net loans and leases to core deposits | 88.1736% | 1,598 |
| Total domestic deposits to total assets | 89.7700% | 1,460 |
| Equity capital to assets | 9.0679% | 2,319 |
| Core capital (leverage) ratio | 9.7409% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8042% | 2,450 |
| Memoranda: |
| Average total assets | $730,374,800 | 1,273 |
| Average earning assets | $711,779,200 | 1,218 |
| Average equity | $61,876,600 | 1,368 |
| Average total loans | $507,932,800 | 1,164 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6701% | 2,129 |
| Cost of funding earning assets | 0.2263% | 2,972 |
| Net interest margin | 3.4438% | 1,829 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.7726% | 4,032 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 1.0945% | 2,128 |
| Return on assets (ROA) | 1.0945% | 2,092 |
| Pretax return on assets | 1.4178% | 1,664 |
| Return on Equity (ROE) | 13.1500% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.4215% | 938 |
| Net charge-offs to loans | 0.1044% | 593 |
| Credit loss provision to net charge-offs | 450.9044% | 647 |
| Earnings coverage of net charge-offs (x) | 24.5736% | 1,625 |
| Efficiency ratio | 50.5151% | 4,129 |
| Assets per employee ($millions) | 14.3381% | 226 |
| Cash dividends to net income (ytd only)* | 13.1465% | 2,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2722% | 2,166 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.6900% | 843 |
| Net loans and leases to deposits | 87.2602% | 1,084 |
| Net loans and leases to core deposits | 91.8785% | 1,188 |
| Total domestic deposits to total assets | 87.8800% | 2,464 |
| Equity capital to assets | 9.3195% | 2,004 |
| Core capital (leverage) ratio | 9.4088% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9226% | 2,505 |
| Memoranda: |
| Average total assets | $730,200,000 | 1,282 |
| Average earning assets | $712,330,250 | 1,223 |
| Average equity | $60,772,500 | 1,410 |
| Average total loans | $494,457,750 | 1,186 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3828% | 2,485 |
| Cost of funding earning assets | 0.1592% | 3,460 |
| Net interest margin | 3.2236% | 2,118 |
| Noninterest income to average assets | 0.1465% | 4,286 |
| Noninterest expense to average assets | 1.6953% | 4,152 |
| Loan and lease loss provision to assets | 0.2988% | 221 |
| Net operating income to assets | 1.0632% | 1,926 |
| Return on assets (ROA) | 1.0632% | 1,897 |
| Pretax return on assets | 1.3032% | 1,739 |
| Return on Equity (ROE) | 13.2640% | 1,305 |
| Retained earnings to average equity (ytd only) | 11.4132% | 713 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4141% | 4,171 |
| Assets per employee ($millions) | 14.1506% | 228 |
| Cash dividends to net income (ytd only)* | 13.9535% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3088% | 2,152 |
| Loan loss allowance to noncurrent loans | 1,676.4706% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,456 |
| Noncurrent loans to loans | 0.0781% | 3,393 |
| Net loans and leases to total assets | 67.1729% | 1,560 |
| Net loans and leases to deposits | 74.3962% | 1,822 |
| Net loans and leases to core deposits | 76.7398% | 1,949 |
| Total domestic deposits to total assets | 90.2907% | 1,582 |
| Equity capital to assets | 8.4764% | 2,785 |
| Core capital (leverage) ratio | 8.9125% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3479% | 2,360 |
| Memoranda: |
| Average total assets | $744,189,667 | 1,261 |
| Average earning assets | $727,376,667 | 1,214 |
| Average equity | $59,650,000 | 1,445 |
| Average total loans | $481,085,000 | 1,204 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1702% | 2,776 |
| Cost of funding earning assets | 0.1418% | 3,602 |
| Net interest margin | 3.0284% | 2,410 |
| Noninterest income to average assets | 0.1497% | 4,255 |
| Noninterest expense to average assets | 1.6527% | 4,207 |
| Loan and lease loss provision to assets | 0.2640% | 243 |
| Net operating income to assets | 1.1604% | 1,353 |
| Return on assets (ROA) | 1.1604% | 1,352 |
| Pretax return on assets | 1.2010% | 1,815 |
| Return on Equity (ROE) | 14.8982% | 669 |
| Retained earnings to average equity (ytd only) | 12.6679% | 506 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0087% | 4,124 |
| Assets per employee ($millions) | 16.6733% | 152 |
| Cash dividends to net income (ytd only)* | 14.9701% | 2,081 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2353% | 2,679 |
| Loan loss allowance to noncurrent loans | 690.3488% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 2,980 |
| Noncurrent loans to loans | 0.1789% | 2,921 |
| Net loans and leases to total assets | 66.2082% | 1,388 |
| Net loans and leases to deposits | 73.2071% | 1,674 |
| Net loans and leases to core deposits | 75.7010% | 1,799 |
| Total domestic deposits to total assets | 90.4395% | 1,324 |
| Equity capital to assets | 8.2537% | 3,363 |
| Core capital (leverage) ratio | 7.9831% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9127% | 2,251 |
| Memoranda: |
| Average total assets | $748,369,500 | 1,260 |
| Average earning assets | $733,448,500 | 1,210 |
| Average equity | $58,289,000 | 1,518 |
| Average total loans | $471,211,000 | 1,214 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4012% | 2,927 |
| Cost of funding earning assets | 0.1840% | 3,608 |
| Net interest margin | 3.2172% | 2,567 |
| Noninterest income to average assets | 0.1509% | 4,392 |
| Noninterest expense to average assets | 1.5349% | 4,500 |
| Loan and lease loss provision to assets | 0.2210% | 459 |
| Net operating income to assets | 1.3379% | 1,482 |
| Return on assets (ROA) | 1.3379% | 1,520 |
| Pretax return on assets | 1.5577% | 1,549 |
| Return on Equity (ROE) | 16.6883% | 646 |
| Retained earnings to average equity (ytd only) | 14.7220% | 249 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3217% | 4,481 |
| Assets per employee ($millions) | 18.1346% | 131 |
| Cash dividends to net income (ytd only)* | 11.7830% | 3,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1786% | 2,982 |
| Loan loss allowance to noncurrent loans | 1,371.0327% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,630 |
| Noncurrent loans to loans | 0.0860% | 3,506 |
| Net loans and leases to total assets | 58.5238% | 2,322 |
| Net loans and leases to deposits | 63.2559% | 2,758 |
| Net loans and leases to core deposits | 65.4050% | 2,872 |
| Total domestic deposits to total assets | 92.5191% | 88 |
| Equity capital to assets | 7.3614% | 4,638 |
| Core capital (leverage) ratio | 7.9414% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0813% | 1,820 |
| Memoranda: |
| Average total assets | $650,204,000 | 1,360 |
| Average earning assets | $639,193,400 | 1,306 |
| Average equity | $52,126,200 | 1,702 |
| Average total loans | $436,709,400 | 1,294 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3921% | 3,124 |
| Cost of funding earning assets | 0.1984% | 3,617 |
| Net interest margin | 3.1937% | 2,749 |
| Noninterest income to average assets | 0.1543% | 4,426 |
| Noninterest expense to average assets | 1.5087% | 4,585 |
| Loan and lease loss provision to assets | 0.3101% | 250 |
| Net operating income to assets | 1.4062% | 1,519 |
| Return on assets (ROA) | 1.4062% | 1,576 |
| Pretax return on assets | 1.4723% | 2,072 |
| Return on Equity (ROE) | 17.0996% | 751 |
| Retained earnings to average equity (ytd only) | 15.0369% | 392 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8426% | 4,512 |
| Assets per employee ($millions) | 15.5714% | 188 |
| Cash dividends to net income (ytd only)* | 12.0626% | 2,888 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1390% | 3,258 |
| Loan loss allowance to noncurrent loans | 1,371.0327% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,710 |
| Noncurrent loans to loans | 0.0831% | 3,669 |
| Net loans and leases to total assets | 72.2361% | 849 |
| Net loans and leases to deposits | 79.1452% | 1,369 |
| Net loans and leases to core deposits | 82.6718% | 1,525 |
| Total domestic deposits to total assets | 91.2703% | 292 |
| Equity capital to assets | 8.4853% | 4,225 |
| Core capital (leverage) ratio | 8.2439% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4725% | 2,178 |
| Memoranda: |
| Average total assets | $617,808,250 | 1,433 |
| Average earning assets | $606,798,000 | 1,378 |
| Average equity | $50,807,000 | 1,756 |
| Average total loans | $430,435,750 | 1,325 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2434% | 3,580 |
| Cost of funding earning assets | 0.2101% | 3,652 |
| Net interest margin | 3.0333% | 3,234 |
| Noninterest income to average assets | 0.1585% | 4,404 |
| Noninterest expense to average assets | 1.4686% | 4,653 |
| Loan and lease loss provision to assets | 0.2344% | 431 |
| Net operating income to assets | 1.3775% | 1,638 |
| Return on assets (ROA) | 1.3775% | 1,708 |
| Pretax return on assets | 1.4349% | 2,227 |
| Return on Equity (ROE) | 16.9440% | 793 |
| Retained earnings to average equity (ytd only) | 14.9295% | 440 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8013% | 4,477 |
| Assets per employee ($millions) | 18.6965% | 119 |
| Cash dividends to net income (ytd only)* | 11.8888% | 2,804 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0327% | 3,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.1494% | 1,559 |
| Net loans and leases to deposits | 72.7916% | 2,137 |
| Net loans and leases to core deposits | 76.8644% | 2,151 |
| Total domestic deposits to total assets | 92.2489% | 87 |
| Equity capital to assets | 7.5770% | 4,714 |
| Core capital (leverage) ratio | 7.9805% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3965% | 1,833 |
| Memoranda: |
| Average total assets | $605,744,333 | 1,447 |
| Average earning assets | $594,993,667 | 1,390 |
| Average equity | $49,244,667 | 1,797 |
| Average total loans | $414,625,333 | 1,368 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5244% | 2,847 |
| Cost of funding earning assets | 0.2244% | 3,686 |
| Net interest margin | 3.3000% | 2,391 |
| Noninterest income to average assets | 0.1482% | 4,460 |
| Noninterest expense to average assets | 1.5466% | 4,603 |
| Loan and lease loss provision to assets | 0.1398% | 957 |
| Net operating income to assets | 1.6389% | 1,040 |
| Return on assets (ROA) | 1.6389% | 1,094 |
| Pretax return on assets | 1.7012% | 1,486 |
| Return on Equity (ROE) | 19.3849% | 580 |
| Retained earnings to average equity (ytd only) | 17.6482% | 382 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6553% | 4,486 |
| Assets per employee ($millions) | 15.4357% | 184 |
| Cash dividends to net income (ytd only)* | 8.9590% | 2,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9970% | 3,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.3776% | 1,369 |
| Net loans and leases to deposits | 75.7335% | 1,940 |
| Net loans and leases to core deposits | 81.1814% | 1,894 |
| Total domestic deposits to total assets | 91.6076% | 223 |
| Equity capital to assets | 8.2170% | 4,349 |
| Core capital (leverage) ratio | 8.7519% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2862% | 1,223 |
| Memoranda: |
| Average total assets | $572,079,000 | 1,508 |
| Average earning assets | $561,570,500 | 1,445 |
| Average equity | $48,367,500 | 1,807 |
| Average total loans | $393,597,000 | 1,439 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8993% | 3,028 |
| Cost of funding earning assets | 0.4738% | 3,123 |
| Net interest margin | 3.4254% | 2,690 |
| Noninterest income to average assets | 0.2530% | 3,968 |
| Noninterest expense to average assets | 1.9726% | 4,194 |
| Loan and lease loss provision to assets | 0.0840% | 3,330 |
| Net operating income to assets | 1.4980% | 817 |
| Return on assets (ROA) | 1.4980% | 892 |
| Pretax return on assets | 1.5444% | 1,212 |
| Return on Equity (ROE) | 14.7724% | 673 |
| Retained earnings to average equity (ytd only) | 7.5552% | 1,179 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3299% | 4,176 |
| Assets per employee ($millions) | 15.0601% | 175 |
| Cash dividends to net income (ytd only)* | 48.8558% | 1,890 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0965% | 3,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.6464% | 2,000 |
| Net loans and leases to deposits | 73.8937% | 2,494 |
| Net loans and leases to core deposits | 79.2614% | 2,423 |
| Total domestic deposits to total assets | 90.1923% | 487 |
| Equity capital to assets | 8.7186% | 4,282 |
| Core capital (leverage) ratio | 9.5123% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0826% | 1,244 |
| Memoranda: |
| Average total assets | $452,147,800 | 1,694 |
| Average earning assets | $441,930,000 | 1,620 |
| Average equity | $45,849,000 | 1,817 |
| Average total loans | $341,158,200 | 1,535 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0647% | 2,776 |
| Cost of funding earning assets | 0.5391% | 3,000 |
| Net interest margin | 3.5256% | 2,503 |
| Noninterest income to average assets | 0.1455% | 4,578 |
| Noninterest expense to average assets | 1.9867% | 4,175 |
| Loan and lease loss provision to assets | 0.1180% | 2,846 |
| Net operating income to assets | 1.4359% | 1,021 |
| Return on assets (ROA) | 1.4359% | 1,110 |
| Pretax return on assets | 1.4827% | 1,480 |
| Return on Equity (ROE) | 13.5604% | 961 |
| Retained earnings to average equity (ytd only) | 10.8642% | 603 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7491% | 4,068 |
| Assets per employee ($millions) | 13.0693% | 251 |
| Cash dividends to net income (ytd only)* | 19.8833% | 2,784 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0298% | 3,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.8288% | 446 |
| Net loans and leases to deposits | 93.4981% | 960 |
| Net loans and leases to core deposits | 103.8548% | 933 |
| Total domestic deposits to total assets | 87.5193% | 1,438 |
| Equity capital to assets | 10.1020% | 3,145 |
| Core capital (leverage) ratio | 10.3095% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8576% | 1,287 |
| Memoranda: |
| Average total assets | $429,643,750 | 1,746 |
| Average earning assets | $419,434,500 | 1,673 |
| Average equity | $45,494,000 | 1,826 |
| Average total loans | $335,113,000 | 1,549 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0797% | 3,102 |
| Cost of funding earning assets | 0.5888% | 3,024 |
| Net interest margin | 3.4909% | 2,820 |
| Noninterest income to average assets | 0.1514% | 4,541 |
| Noninterest expense to average assets | 1.9835% | 4,264 |
| Loan and lease loss provision to assets | 0.1683% | 2,326 |
| Net operating income to assets | 1.3581% | 1,209 |
| Return on assets (ROA) | 1.3581% | 1,297 |
| Pretax return on assets | 1.4057% | 1,714 |
| Return on Equity (ROE) | 12.6072% | 1,194 |
| Retained earnings to average equity (ytd only) | 9.7957% | 826 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7703% | 4,086 |
| Assets per employee ($millions) | 13.0079% | 249 |
| Cash dividends to net income (ytd only)* | 22.3009% | 2,650 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0329% | 3,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 81.3494% | 466 |
| Net loans and leases to deposits | 92.6513% | 1,080 |
| Net loans and leases to core deposits | 103.7121% | 1,020 |
| Total domestic deposits to total assets | 87.8016% | 1,285 |
| Equity capital to assets | 9.8325% | 3,340 |
| Core capital (leverage) ratio | 10.0564% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6990% | 1,316 |
| Memoranda: |
| Average total assets | $416,027,333 | 1,762 |
| Average earning assets | $405,909,333 | 1,689 |
| Average equity | $44,815,667 | 1,831 |
| Average total loans | $317,149,000 | 1,611 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2750% | 2,996 |
| Cost of funding earning assets | 0.6985% | 2,937 |
| Net interest margin | 3.5766% | 2,746 |
| Noninterest income to average assets | 0.1888% | 4,422 |
| Noninterest expense to average assets | 2.2539% | 3,879 |
| Loan and lease loss provision to assets | 0.2565% | 1,212 |
| Net operating income to assets | 1.1121% | 1,806 |
| Return on assets (ROA) | 1.1121% | 1,899 |
| Pretax return on assets | 1.1613% | 2,332 |
| Return on Equity (ROE) | 9.8096% | 1,807 |
| Retained earnings to average equity (ytd only) | 6.7328% | 1,634 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3462% | 3,823 |
| Assets per employee ($millions) | 11.4444% | 267 |
| Cash dividends to net income (ytd only)* | 31.3653% | 2,114 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3186% | 2,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.5051% | 2,469 |
| Net loans and leases to deposits | 85.8390% | 2,024 |
| Net loans and leases to core deposits | 101.5452% | 1,358 |
| Total domestic deposits to total assets | 79.8065% | 3,893 |
| Equity capital to assets | 10.5407% | 3,281 |
| Core capital (leverage) ratio | 12.8073% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0525% | 1,586 |
| Memoranda: |
| Average total assets | $389,899,000 | 1,806 |
| Average earning assets | $379,693,000 | 1,739 |
| Average equity | $44,201,500 | 1,841 |
| Average total loans | $283,262,500 | 1,697 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0049% | 1,464 |
| Cost of funding earning assets | 0.9718% | 1,851 |
| Net interest margin | 4.0330% | 1,737 |
| Noninterest income to average assets | 0.1869% | 4,548 |
| Noninterest expense to average assets | 2.5145% | 3,406 |
| Loan and lease loss provision to assets | 0.9320% | 104 |
| Net operating income to assets | 0.6174% | 4,106 |
| Return on assets (ROA) | 0.6174% | 4,171 |
| Pretax return on assets | 0.6481% | 4,330 |
| Return on Equity (ROE) | 4.6449% | 4,308 |
| Retained earnings to average equity (ytd only) | -3.7657% | 4,942 |
| Net charge-offs to loans | 1.1273% | 137 |
| Credit loss provision to net charge-offs | 103.6072% | 2,388 |
| Earnings coverage of net charge-offs (x) | 1.7565% | 3,497 |
| Efficiency ratio | 59.2677% | 3,805 |
| Assets per employee ($millions) | 9.8988% | 371 |
| Cash dividends to net income (ytd only)* | 181.0706% | 81 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3303% | 1,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.4705% | 1,507 |
| Net loans and leases to deposits | 89.0507% | 1,692 |
| Net loans and leases to core deposits | 103.6174% | 1,256 |
| Total domestic deposits to total assets | 84.7500% | 2,592 |
| Equity capital to assets | 12.2824% | 1,957 |
| Core capital (leverage) ratio | 13.1290% | 1,187 |
| Tier 1 risk-based capital ratio | 15.4208% | 2,611 |
| Total risk-based capital ratio | 16.6714% | 2,542 |
| Memoranda: |
| Average total assets | $332,833,200 | 1,970 |
| Average earning assets | $322,486,600 | 1,912 |
| Average equity | $44,241,800 | 1,783 |
| Average total loans | $265,584,600 | 1,753 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1308% | 1,210 |
| Cost of funding earning assets | 1.0126% | 1,710 |
| Net interest margin | 4.1182% | 1,575 |
| Noninterest income to average assets | 0.1913% | 4,573 |
| Noninterest expense to average assets | 2.4961% | 3,448 |
| Loan and lease loss provision to assets | 1.2507% | 68 |
| Net operating income to assets | 0.4013% | 4,720 |
| Return on assets (ROA) | 0.4013% | 4,748 |
| Pretax return on assets | 0.4314% | 4,773 |
| Return on Equity (ROE) | 2.9576% | 4,771 |
| Retained earnings to average equity (ytd only) | -7.1865% | 5,110 |
| Net charge-offs to loans | 1.5130% | 83 |
| Credit loss provision to net charge-offs | 102.4382% | 2,203 |
| Earnings coverage of net charge-offs (x) | 1.3778% | 3,300 |
| Efficiency ratio | 57.6030% | 3,990 |
| Assets per employee ($millions) | 8.8314% | 514 |
| Cash dividends to net income (ytd only)* | 342.9873% | 27 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2985% | 1,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 83.5583% | 398 |
| Net loans and leases to deposits | 96.6746% | 930 |
| Net loans and leases to core deposits | 108.9329% | 994 |
| Total domestic deposits to total assets | 86.4326% | 1,805 |
| Equity capital to assets | 13.1827% | 1,525 |
| Core capital (leverage) ratio | 12.7759% | 1,443 |
| Tier 1 risk-based capital ratio | 14.7900% | 2,960 |
| Total risk-based capital ratio | 16.0400% | 2,883 |
| Memoranda: |
| Average total assets | $326,952,750 | 2,009 |
| Average earning assets | $316,540,500 | 1,945 |
| Average equity | $44,360,000 | 1,786 |
| Average total loans | $263,838,500 | 1,768 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1338% | 1,143 |
| Cost of funding earning assets | 1.0140% | 1,626 |
| Net interest margin | 4.1198% | 1,555 |
| Noninterest income to average assets | 0.1743% | 4,702 |
| Noninterest expense to average assets | 2.4543% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6409% | 832 |
| Return on assets (ROA) | 1.6409% | 870 |
| Pretax return on assets | 1.7082% | 1,255 |
| Return on Equity (ROE) | 11.9809% | 1,584 |
| Retained earnings to average equity (ytd only) | -1.5495% | 4,882 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8175% | 4,150 |
| Assets per employee ($millions) | 9.3291% | 413 |
| Cash dividends to net income (ytd only)* | 112.9333% | 288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3407% | 1,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.1033% | 1,373 |
| Net loans and leases to deposits | 89.3859% | 1,816 |
| Net loans and leases to core deposits | 103.6380% | 1,420 |
| Total domestic deposits to total assets | 86.2590% | 1,911 |
| Equity capital to assets | 13.4266% | 1,362 |
| Core capital (leverage) ratio | 13.4883% | 1,124 |
| Tier 1 risk-based capital ratio | 16.1308% | 2,355 |
| Total risk-based capital ratio | 17.3814% | 2,303 |
| Memoranda: |
| Average total assets | $327,016,670 | 2,014 |
| Average earning assets | $316,569,670 | 1,956 |
| Average equity | $44,788,000 | 1,766 |
| Average total loans | $259,575,330 | 1,796 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0390% | 1,240 |
| Cost of funding earning assets | 0.9806% | 1,653 |
| Net interest margin | 4.0584% | 1,668 |
| Noninterest income to average assets | 0.1550% | 4,816 |
| Noninterest expense to average assets | 2.4724% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5412% | 1,027 |
| Return on assets (ROA) | 1.5412% | 1,056 |
| Pretax return on assets | 1.6082% | 1,452 |
| Return on Equity (ROE) | 11.1391% | 1,895 |
| Retained earnings to average equity (ytd only) | -12.9852% | 5,172 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3713% | 4,027 |
| Assets per employee ($millions) | 8.5631% | 549 |
| Cash dividends to net income (ytd only)* | 216.5728% | 163 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3554% | 1,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.0786% | 463 |
| Net loans and leases to deposits | 97.1681% | 874 |
| Net loans and leases to core deposits | 121.0734% | 496 |
| Total domestic deposits to total assets | 85.4999% | 2,483 |
| Equity capital to assets | 14.2478% | 952 |
| Core capital (leverage) ratio | 14.0205% | 948 |
| Tier 1 risk-based capital ratio | 15.9828% | 2,448 |
| Total risk-based capital ratio | 17.2334% | 2,393 |
| Memoranda: |
| Average total assets | $322,601,000 | 2,050 |
| Average earning assets | $312,046,500 | 1,990 |
| Average equity | $44,635,500 | 1,751 |
| Average total loans | $258,128,500 | 1,818 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9254% | 1,215 |
| Cost of funding earning assets | 0.6877% | 2,162 |
| Net interest margin | 4.2377% | 1,304 |
| Noninterest income to average assets | 0.1288% | 5,046 |
| Noninterest expense to average assets | 2.2394% | 4,244 |
| Loan and lease loss provision to assets | 0.2432% | 714 |
| Net operating income to assets | 1.6954% | 704 |
| Return on assets (ROA) | 1.6954% | 696 |
| Pretax return on assets | 1.7670% | 1,006 |
| Return on Equity (ROE) | 11.8611% | 1,765 |
| Retained earnings to average equity (ytd only) | 11.8611% | 329 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3975% | 4,915 |
| Assets per employee ($millions) | 9.6265% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3712% | 1,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.1227% | 1,751 |
| Net loans and leases to deposits | 92.6654% | 1,445 |
| Net loans and leases to core deposits | 106.8164% | 1,205 |
| Total domestic deposits to total assets | 81.0687% | 3,872 |
| Equity capital to assets | 13.4595% | 1,160 |
| Core capital (leverage) ratio | 14.7102% | 755 |
| Tier 1 risk-based capital ratio | 16.9400% | 2,089 |
| Total risk-based capital ratio | 18.1909% | 2,034 |
| Memoranda: |
| Average total assets | $298,924,200 | 2,165 |
| Average earning assets | $290,679,800 | 2,072 |
| Average equity | $42,728,000 | 1,747 |
| Average total loans | $245,685,000 | 1,851 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9399% | 1,072 |
| Cost of funding earning assets | 0.6070% | 2,420 |
| Net interest margin | 4.3329% | 1,047 |
| Noninterest income to average assets | 0.1129% | 5,163 |
| Noninterest expense to average assets | 2.2822% | 4,145 |
| Loan and lease loss provision to assets | 0.2197% | 755 |
| Net operating income to assets | 1.7543% | 657 |
| Return on assets (ROA) | 1.7543% | 659 |
| Pretax return on assets | 1.8298% | 944 |
| Return on Equity (ROE) | 12.0677% | 1,768 |
| Retained earnings to average equity (ytd only) | 12.0677% | 474 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3563% | 4,924 |
| Assets per employee ($millions) | 9.2255% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2864% | 2,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.3998% | 647 |
| Net loans and leases to deposits | 96.6534% | 1,080 |
| Net loans and leases to core deposits | 120.3121% | 564 |
| Total domestic deposits to total assets | 85.2529% | 2,509 |
| Equity capital to assets | 14.4610% | 834 |
| Core capital (leverage) ratio | 15.1426% | 671 |
| Tier 1 risk-based capital ratio | 16.5940% | 2,248 |
| Total risk-based capital ratio | 17.8438% | 2,188 |
| Memoranda: |
| Average total assets | $289,423,000 | 2,222 |
| Average earning assets | $281,806,750 | 2,134 |
| Average equity | $42,072,750 | 1,780 |
| Average total loans | $242,949,000 | 1,870 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8950% | 1,034 |
| Cost of funding earning assets | 0.5347% | 2,735 |
| Net interest margin | 4.3602% | 926 |
| Noninterest income to average assets | 0.1195% | 5,194 |
| Noninterest expense to average assets | 2.2790% | 4,193 |
| Loan and lease loss provision to assets | 0.3354% | 401 |
| Net operating income to assets | 1.6680% | 776 |
| Return on assets (ROA) | 1.6680% | 786 |
| Pretax return on assets | 1.7481% | 1,099 |
| Return on Equity (ROE) | 11.4529% | 1,926 |
| Retained earnings to average equity (ytd only) | 11.4529% | 595 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8872% | 5,031 |
| Assets per employee ($millions) | 9.6524% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2547% | 2,403 |
| Loan loss allowance to noncurrent loans | 619.1288% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,102 |
| Noncurrent loans to loans | 0.2027% | 3,993 |
| Net loans and leases to total assets | 85.9767% | 266 |
| Net loans and leases to deposits | 100.5126% | 773 |
| Net loans and leases to core deposits | 125.9821% | 408 |
| Total domestic deposits to total assets | 85.5383% | 2,484 |
| Equity capital to assets | 14.2368% | 872 |
| Core capital (leverage) ratio | 15.4197% | 586 |
| Tier 1 risk-based capital ratio | 15.5751% | 2,603 |
| Total risk-based capital ratio | 16.7925% | 2,558 |
| Memoranda: |
| Average total assets | $284,417,330 | 2,256 |
| Average earning assets | $276,774,670 | 2,174 |
| Average equity | $41,422,000 | 1,811 |
| Average total loans | $239,223,000 | 1,895 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7301% | 1,235 |
| Cost of funding earning assets | 0.5061% | 2,750 |
| Net interest margin | 4.2240% | 1,114 |
| Noninterest income to average assets | 0.1170% | 5,266 |
| Noninterest expense to average assets | 2.2699% | 4,253 |
| Loan and lease loss provision to assets | 0.2744% | 500 |
| Net operating income to assets | 1.6144% | 829 |
| Return on assets (ROA) | 1.6144% | 830 |
| Pretax return on assets | 1.6822% | 1,164 |
| Return on Equity (ROE) | 10.9519% | 1,991 |
| Retained earnings to average equity (ytd only) | 10.9519% | 907 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2128% | 5,014 |
| Assets per employee ($millions) | 8.7291% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2447% | 2,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.6995% | 365 |
| Net loans and leases to deposits | 99.6794% | 732 |
| Net loans and leases to core deposits | 125.4453% | 436 |
| Total domestic deposits to total assets | 84.9719% | 2,938 |
| Equity capital to assets | 14.8097% | 716 |
| Core capital (leverage) ratio | 15.4270% | 564 |
| Tier 1 risk-based capital ratio | 16.2507% | 2,375 |
| Total risk-based capital ratio | 17.4545% | 2,339 |
| Memoranda: |
| Average total assets | $277,014,000 | 2,325 |
| Average earning assets | $269,509,000 | 2,230 |
| Average equity | $40,833,000 | 1,834 |
| Average total loans | $228,568,500 | 1,976 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6546% | 1,295 |
| Cost of funding earning assets | 0.3914% | 3,323 |
| Net interest margin | 4.2632% | 1,050 |
| Noninterest income to average assets | 0.4962% | 3,025 |
| Noninterest expense to average assets | 2.4178% | 4,026 |
| Loan and lease loss provision to assets | 0.2159% | 913 |
| Net operating income to assets | 1.9041% | 336 |
| Return on assets (ROA) | 1.9041% | 346 |
| Pretax return on assets | 1.9765% | 519 |
| Return on Equity (ROE) | 12.6611% | 1,031 |
| Retained earnings to average equity (ytd only) | 12.6611% | 147 |
| Net charge-offs to loans | 0.0010% | 4,098 |
| Credit loss provision to net charge-offs | 27,150.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 2,757.0000% | 21 |
| Efficiency ratio | 49.9267% | 5,220 |
| Assets per employee ($millions) | 8.3242% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2833% | 2,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 78.1848% | 1,265 |
| Net loans and leases to deposits | 91.7825% | 1,555 |
| Net loans and leases to core deposits | 115.4980% | 737 |
| Total domestic deposits to total assets | 85.1848% | 2,763 |
| Equity capital to assets | 14.6699% | 742 |
| Core capital (leverage) ratio | 15.3696% | 562 |
| Tier 1 risk-based capital ratio | 17.1020% | 2,057 |
| Total risk-based capital ratio | 18.3276% | 2,021 |
| Memoranda: |
| Average total assets | $251,508,800 | 2,481 |
| Average earning assets | $242,705,200 | 2,406 |
| Average equity | $37,824,400 | 1,938 |
| Average total loans | $207,894,400 | 2,099 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6062% | 1,353 |
| Cost of funding earning assets | 0.3500% | 3,664 |
| Net interest margin | 4.2562% | 1,035 |
| Noninterest income to average assets | 0.6267% | 2,333 |
| Noninterest expense to average assets | 2.4570% | 3,868 |
| Loan and lease loss provision to assets | 0.2946% | 534 |
| Net operating income to assets | 1.9106% | 378 |
| Return on assets (ROA) | 1.9106% | 381 |
| Pretax return on assets | 1.9730% | 578 |
| Return on Equity (ROE) | 12.6177% | 1,142 |
| Retained earnings to average equity (ytd only) | 12.6177% | 250 |
| Net charge-offs to loans | 0.0013% | 3,734 |
| Credit loss provision to net charge-offs | 27,150.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 2,086.8390% | 35 |
| Efficiency ratio | 49.4889% | 5,271 |
| Assets per employee ($millions) | 7.8098% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2205% | 2,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.6779% | 165 |
| Net loans and leases to deposits | 103.6370% | 519 |
| Net loans and leases to core deposits | 127.8000% | 373 |
| Total domestic deposits to total assets | 84.6010% | 2,884 |
| Equity capital to assets | 15.1596% | 698 |
| Core capital (leverage) ratio | 15.7644% | 524 |
| Tier 1 risk-based capital ratio | 15.8713% | 2,561 |
| Total risk-based capital ratio | 17.0363% | 2,533 |
| Memoranda: |
| Average total assets | $245,711,500 | 2,538 |
| Average earning assets | $236,574,000 | 2,469 |
| Average equity | $37,206,000 | 1,976 |
| Average total loans | $205,477,000 | 2,124 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4532% | 1,655 |
| Cost of funding earning assets | 0.3185% | 3,891 |
| Net interest margin | 4.1347% | 1,237 |
| Noninterest income to average assets | 0.8572% | 1,398 |
| Noninterest expense to average assets | 2.4765% | 3,827 |
| Loan and lease loss provision to assets | 0.2317% | 743 |
| Net operating income to assets | 2.0537% | 276 |
| Return on assets (ROA) | 2.0537% | 284 |
| Pretax return on assets | 2.1241% | 423 |
| Return on Equity (ROE) | 13.5685% | 903 |
| Retained earnings to average equity (ytd only) | 13.5685% | 217 |
| Net charge-offs to loans | 0.0020% | 3,445 |
| Credit loss provision to net charge-offs | 14,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,423.5000% | 38 |
| Efficiency ratio | 48.7500% | 5,370 |
| Assets per employee ($millions) | 7.8688% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2114% | 2,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.9045% | 679 |
| Net loans and leases to deposits | 96.8235% | 997 |
| Net loans and leases to core deposits | 118.2490% | 630 |
| Total domestic deposits to total assets | 84.5915% | 2,982 |
| Equity capital to assets | 15.1082% | 689 |
| Core capital (leverage) ratio | 16.4656% | 423 |
| Tier 1 risk-based capital ratio | 17.0534% | 2,147 |
| Total risk-based capital ratio | 18.2214% | 2,117 |
| Memoranda: |
| Average total assets | $241,707,330 | 2,579 |
| Average earning assets | $232,372,000 | 2,505 |
| Average equity | $36,584,670 | 2,001 |
| Average total loans | $197,716,330 | 2,186 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5366% | 1,288 |
| Cost of funding earning assets | 0.3384% | 3,656 |
| Net interest margin | 4.1982% | 994 |
| Noninterest income to average assets | 0.1589% | 5,327 |
| Noninterest expense to average assets | 2.4474% | 3,974 |
| Loan and lease loss provision to assets | 0.0575% | 2,655 |
| Net operating income to assets | 1.6209% | 647 |
| Return on assets (ROA) | 1.6209% | 666 |
| Pretax return on assets | 1.6801% | 1,045 |
| Return on Equity (ROE) | 10.6985% | 1,672 |
| Retained earnings to average equity (ytd only) | 10.6985% | 662 |
| Net charge-offs to loans | 0.0042% | 2,828 |
| Credit loss provision to net charge-offs | 1,700.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 514.0000% | 108 |
| Efficiency ratio | 55.5331% | 4,988 |
| Assets per employee ($millions) | 8.0107% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1852% | 3,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 79.2006% | 950 |
| Net loans and leases to deposits | 93.6131% | 1,153 |
| Net loans and leases to core deposits | 114.0454% | 668 |
| Total domestic deposits to total assets | 84.6043% | 3,260 |
| Equity capital to assets | 15.1902% | 618 |
| Core capital (leverage) ratio | 15.3228% | 552 |
| Tier 1 risk-based capital ratio | 17.7041% | 1,977 |
| Total risk-based capital ratio | 18.8376% | 1,961 |
| Memoranda: |
| Average total assets | $236,659,500 | 2,648 |
| Average earning assets | $226,956,000 | 2,587 |
| Average equity | $35,855,500 | 2,040 |
| Average total loans | $192,191,000 | 2,254 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7972% | 895 |
| Cost of funding earning assets | 0.2712% | 4,352 |
| Net interest margin | 4.5260% | 591 |
| Noninterest income to average assets | 0.1627% | 5,398 |
| Noninterest expense to average assets | 2.6141% | 3,634 |
| Loan and lease loss provision to assets | 0.4762% | 295 |
| Net operating income to assets | 1.3257% | 1,158 |
| Return on assets (ROA) | 1.3270% | 1,205 |
| Pretax return on assets | 1.3936% | 1,968 |
| Return on Equity (ROE) | 9.2106% | 2,310 |
| Retained earnings to average equity (ytd only) | 8.9003% | 607 |
| Net charge-offs to loans | 0.1513% | 1,745 |
| Credit loss provision to net charge-offs | 403.4091% | 790 |
| Earnings coverage of net charge-offs (x) | 15.8295% | 2,167 |
| Efficiency ratio | 55.4059% | 5,117 |
| Assets per employee ($millions) | 8.0344% | 602 |
| Cash dividends to net income (ytd only)* | 3.3693% | 4,154 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1738% | 3,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.3364% | 692 |
| Net loans and leases to deposits | 96.0104% | 991 |
| Net loans and leases to core deposits | 111.1474% | 821 |
| Total domestic deposits to total assets | 84.7162% | 3,167 |
| Equity capital to assets | 15.1099% | 625 |
| Core capital (leverage) ratio | 15.4370% | 536 |
| Tier 1 risk-based capital ratio | 17.1306% | 2,118 |
| Total risk-based capital ratio | 18.2494% | 2,111 |
| Memoranda: |
| Average total assets | $223,667,800 | 2,726 |
| Average earning assets | $213,476,600 | 2,661 |
| Average equity | $32,223,800 | 2,214 |
| Average total loans | $174,514,400 | 2,364 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7577% | 971 |
| Cost of funding earning assets | 0.2682% | 4,408 |
| Net interest margin | 4.4894% | 647 |
| Noninterest income to average assets | 0.1861% | 5,345 |
| Noninterest expense to average assets | 2.6114% | 3,620 |
| Loan and lease loss provision to assets | 0.5090% | 242 |
| Net operating income to assets | 1.2728% | 1,374 |
| Return on assets (ROA) | 1.2728% | 1,476 |
| Pretax return on assets | 1.3506% | 2,235 |
| Return on Equity (ROE) | 8.9499% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.5263% | 973 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4568% | 5,109 |
| Assets per employee ($millions) | 8.0187% | 588 |
| Cash dividends to net income (ytd only)* | 4.7326% | 3,686 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2794% | 2,805 |
| Loan loss allowance to noncurrent loans | 370.7593% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 4,370 |
| Noncurrent loans to loans | 0.3451% | 4,017 |
| Net loans and leases to total assets | 76.1502% | 1,501 |
| Net loans and leases to deposits | 89.6418% | 1,806 |
| Net loans and leases to core deposits | 106.6098% | 1,138 |
| Total domestic deposits to total assets | 84.9495% | 2,827 |
| Equity capital to assets | 14.8467% | 774 |
| Core capital (leverage) ratio | 15.0625% | 616 |
| Tier 1 risk-based capital ratio | 18.0893% | 1,889 |
| Total risk-based capital ratio | 19.3182% | 1,864 |
| Memoranda: |
| Average total assets | $221,335,000 | 2,751 |
| Average earning assets | $211,247,250 | 2,692 |
| Average equity | $31,478,250 | 2,270 |
| Average total loans | $170,202,000 | 2,415 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7227% | 1,000 |
| Cost of funding earning assets | 0.2536% | 4,621 |
| Net interest margin | 4.4690% | 657 |
| Noninterest income to average assets | 0.2004% | 5,300 |
| Noninterest expense to average assets | 2.7362% | 3,247 |
| Loan and lease loss provision to assets | 0.5928% | 188 |
| Net operating income to assets | 1.0533% | 2,156 |
| Return on assets (ROA) | 1.0533% | 2,279 |
| Pretax return on assets | 1.1305% | 3,090 |
| Return on Equity (ROE) | 7.5240% | 3,248 |
| Retained earnings to average equity (ytd only) | 6.8674% | 1,687 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3471% | 4,855 |
| Assets per employee ($millions) | 7.9183% | 584 |
| Cash dividends to net income (ytd only)* | 8.7260% | 3,488 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1046% | 3,923 |
| Loan loss allowance to noncurrent loans | 337.9032% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 4,416 |
| Noncurrent loans to loans | 0.3269% | 4,194 |
| Net loans and leases to total assets | 81.6820% | 661 |
| Net loans and leases to deposits | 101.0250% | 628 |
| Net loans and leases to core deposits | 123.8056% | 415 |
| Total domestic deposits to total assets | 80.8533% | 4,316 |
| Equity capital to assets | 13.5491% | 1,208 |
| Core capital (leverage) ratio | 13.7383% | 888 |
| Tier 1 risk-based capital ratio | 15.4340% | 2,889 |
| Total risk-based capital ratio | 16.5002% | 2,899 |
| Memoranda: |
| Average total assets | $217,599,000 | 2,794 |
| Average earning assets | $207,383,330 | 2,739 |
| Average equity | $30,462,670 | 2,338 |
| Average total loans | $167,143,670 | 2,449 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3293% | 2,034 |
| Cost of funding earning assets | 0.2288% | 4,912 |
| Net interest margin | 4.1005% | 1,345 |
| Noninterest income to average assets | 0.1399% | 5,648 |
| Noninterest expense to average assets | 2.7791% | 3,149 |
| Loan and lease loss provision to assets | 0.5672% | 202 |
| Net operating income to assets | 0.6163% | 4,111 |
| Return on assets (ROA) | 0.6163% | 4,225 |
| Pretax return on assets | 0.6900% | 4,555 |
| Return on Equity (ROE) | 4.3268% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.3268% | 3,319 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4333% | 3,895 |
| Assets per employee ($millions) | 7.4634% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0468% | 4,351 |
| Loan loss allowance to noncurrent loans | 275.1572% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 4,353 |
| Noncurrent loans to loans | 0.3804% | 4,077 |
| Net loans and leases to total assets | 79.1621% | 926 |
| Net loans and leases to deposits | 101.3137% | 541 |
| Net loans and leases to core deposits | 121.9375% | 418 |
| Total domestic deposits to total assets | 78.1357% | 5,120 |
| Equity capital to assets | 14.5328% | 829 |
| Core capital (leverage) ratio | 14.8233% | 639 |
| Tier 1 risk-based capital ratio | 16.5663% | 2,450 |
| Total risk-based capital ratio | 17.5631% | 2,507 |
| Memoranda: |
| Average total assets | $211,582,500 | 2,880 |
| Average earning assets | $201,046,500 | 2,812 |
| Average equity | $30,137,500 | 2,358 |
| Average total loans | $155,884,000 | 2,571 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1543% | 2,724 |
| Cost of funding earning assets | 0.1290% | 5,820 |
| Net interest margin | 4.0253% | 1,630 |
| Noninterest income to average assets | 0.4499% | 3,666 |
| Noninterest expense to average assets | 2.9896% | 2,584 |
| Loan and lease loss provision to assets | 0.4752% | 249 |
| Net operating income to assets | 0.7007% | 3,807 |
| Return on assets (ROA) | 0.7489% | 3,674 |
| Pretax return on assets | 0.7932% | 4,213 |
| Return on Equity (ROE) | 4.6983% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.6983% | 2,647 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0683% | 3,734 |
| Assets per employee ($millions) | 7.6496% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0028% | 4,590 |
| Loan loss allowance to noncurrent loans | 205.3824% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 4,265 |
| Noncurrent loans to loans | 0.4883% | 3,739 |
| Net loans and leases to total assets | 66.8280% | 2,872 |
| Net loans and leases to deposits | 103.1090% | 484 |
| Net loans and leases to core deposits | 113.5519% | 705 |
| Total domestic deposits to total assets | 64.8130% | 6,032 |
| Equity capital to assets | 13.9619% | 941 |
| Core capital (leverage) ratio | 16.9019% | 375 |
| Tier 1 risk-based capital ratio | 18.3135% | 1,880 |
| Total risk-based capital ratio | 19.2358% | 1,926 |
| Memoranda: |
| Average total assets | $173,599,000 | 3,249 |
| Average earning assets | $162,023,400 | 3,227 |
| Average equity | $27,669,800 | 2,491 |
| Average total loans | $112,921,600 | 3,152 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2266% | 2,500 |
| Cost of funding earning assets | 0.1318% | 5,905 |
| Net interest margin | 4.0948% | 1,417 |
| Noninterest income to average assets | 0.5539% | 3,028 |
| Noninterest expense to average assets | 3.1911% | 1,995 |
| Loan and lease loss provision to assets | 0.3875% | 319 |
| Net operating income to assets | 0.7468% | 3,691 |
| Return on assets (ROA) | 0.8165% | 3,435 |
| Pretax return on assets | 0.8492% | 4,178 |
| Return on Equity (ROE) | 4.9228% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.9228% | 2,964 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1703% | 3,341 |
| Assets per employee ($millions) | 5.8946% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8988% | 5,210 |
| Loan loss allowance to noncurrent loans | 146.0823% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 3,973 |
| Noncurrent loans to loans | 0.6153% | 3,469 |
| Net loans and leases to total assets | 73.4836% | 1,823 |
| Net loans and leases to deposits | 88.6637% | 1,811 |
| Net loans and leases to core deposits | 91.2081% | 2,336 |
| Total domestic deposits to total assets | 82.8790% | 3,854 |
| Equity capital to assets | 16.8017% | 458 |
| Core capital (leverage) ratio | 16.9103% | 391 |
| Tier 1 risk-based capital ratio | 19.9353% | 1,570 |
| Total risk-based capital ratio | 20.7440% | 1,633 |
| Memoranda: |
| Average total assets | $163,451,250 | 3,421 |
| Average earning assets | $151,733,500 | 3,401 |
| Average equity | $27,111,000 | 2,551 |
| Average total loans | $105,004,750 | 3,324 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9085% | 3,651 |
| Cost of funding earning assets | 0.1311% | 5,981 |
| Net interest margin | 3.7774% | 2,414 |
| Noninterest income to average assets | 0.4604% | 3,628 |
| Noninterest expense to average assets | 3.1599% | 2,097 |
| Loan and lease loss provision to assets | 0.4604% | 228 |
| Net operating income to assets | 0.3211% | 5,383 |
| Return on assets (ROA) | 0.3904% | 5,274 |
| Pretax return on assets | 0.4149% | 5,436 |
| Return on Equity (ROE) | 2.3639% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.3639% | 4,553 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2402% | 2,508 |
| Assets per employee ($millions) | 6.5714% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8792% | 5,374 |
| Loan loss allowance to noncurrent loans | 112.2334% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 3,806 |
| Noncurrent loans to loans | 0.7833% | 3,147 |
| Net loans and leases to total assets | 68.6271% | 2,548 |
| Net loans and leases to deposits | 85.5898% | 2,094 |
| Net loans and leases to core deposits | 88.8476% | 2,470 |
| Total domestic deposits to total assets | 80.1814% | 4,821 |
| Equity capital to assets | 16.4683% | 468 |
| Core capital (leverage) ratio | 16.8086% | 380 |
| Tier 1 risk-based capital ratio | 20.0269% | 1,535 |
| Total risk-based capital ratio | 20.7815% | 1,625 |
| Memoranda: |
| Average total assets | $162,918,670 | 3,455 |
| Average earning assets | $151,005,000 | 3,436 |
| Average equity | $26,904,330 | 2,578 |
| Average total loans | $99,211,670 | 3,452 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5081% | 4,936 |
| Cost of funding earning assets | 0.1355% | 6,030 |
| Net interest margin | 3.3725% | 3,943 |
| Noninterest income to average assets | 0.2909% | 4,847 |
| Noninterest expense to average assets | 3.1880% | 2,019 |
| Loan and lease loss provision to assets | 0.1109% | 1,865 |
| Net operating income to assets | 0.1208% | 5,840 |
| Return on assets (ROA) | 0.2687% | 5,603 |
| Pretax return on assets | 0.2687% | 5,716 |
| Return on Equity (ROE) | 1.6251% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.6251% | 4,827 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9596% | 1,018 |
| Assets per employee ($millions) | 5.9421% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7210% | 5,865 |
| Loan loss allowance to noncurrent loans | 68.1587% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 3,589 |
| Noncurrent loans to loans | 1.0578% | 2,652 |
| Net loans and leases to total assets | 59.7165% | 3,696 |
| Net loans and leases to deposits | 72.5404% | 3,488 |
| Net loans and leases to core deposits | 75.4009% | 3,651 |
| Total domestic deposits to total assets | 82.3218% | 4,406 |
| Equity capital to assets | 17.4698% | 383 |
| Core capital (leverage) ratio | 16.9994% | 355 |
| Tier 1 risk-based capital ratio | 23.6192% | 1,036 |
| Total risk-based capital ratio | 24.2214% | 1,091 |
| Memoranda: |
| Average total assets | $162,235,500 | 3,482 |
| Average earning assets | $150,509,500 | 3,457 |
| Average equity | $26,829,000 | 2,599 |
| Average total loans | $91,945,500 | 3,614 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5533% | 6,313 |
| Cost of funding earning assets | 0.1120% | 6,294 |
| Net interest margin | 2.4414% | 6,201 |
| Noninterest income to average assets | 0.2965% | 5,001 |
| Noninterest expense to average assets | 2.6305% | 4,114 |
| Loan and lease loss provision to assets | 0.3798% | 487 |
| Net operating income to assets | -0.4697% | 6,289 |
| Return on assets (ROA) | -0.4363% | 6,283 |
| Pretax return on assets | -0.4144% | 6,258 |
| Return on Equity (ROE) | -3.0959% | 6,251 |
| Retained earnings to average equity (ytd only) | -3.0959% | 6,094 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4627% | 445 |
| Assets per employee ($millions) | 7.3903% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6871% | 6,014 |
| Loan loss allowance to noncurrent loans | 56.6636% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 3,622 |
| Noncurrent loans to loans | 1.2126% | 2,423 |
| Net loans and leases to total assets | 53.1469% | 4,669 |
| Net loans and leases to deposits | 63.3117% | 4,598 |
| Net loans and leases to core deposits | 65.5257% | 4,705 |
| Total domestic deposits to total assets | 83.9448% | 3,739 |
| Equity capital to assets | 15.6893% | 578 |
| Core capital (leverage) ratio | 16.4159% | 424 |
| Tier 1 risk-based capital ratio | 24.0627% | 946 |
| Total risk-based capital ratio | 24.6441% | 997 |
| Memoranda: |
| Average total assets | $164,567,400 | 3,418 |
| Average earning assets | $152,742,200 | 3,397 |
| Average equity | $23,191,800 | 2,829 |
| Average total loans | $67,811,600 | 4,238 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2837% | 6,464 |
| Cost of funding earning assets | 0.1012% | 6,411 |
| Net interest margin | 2.1825% | 6,398 |
| Noninterest income to average assets | 0.3178% | 4,896 |
| Noninterest expense to average assets | 2.6737% | 3,926 |
| Loan and lease loss provision to assets | 0.3268% | 569 |
| Net operating income to assets | -0.6576% | 6,411 |
| Return on assets (ROA) | -0.6127% | 6,397 |
| Pretax return on assets | -0.6119% | 6,387 |
| Return on Equity (ROE) | -4.4796% | 6,353 |
| Retained earnings to average equity (ytd only) | -4.4796% | 6,233 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9927% | 232 |
| Assets per employee ($millions) | 6.6044% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5168% | 6,316 |
| Loan loss allowance to noncurrent loans | 34.1588% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 3,691 |
| Noncurrent loans to loans | 1.5130% | 2,141 |
| Net loans and leases to total assets | 46.6341% | 5,326 |
| Net loans and leases to deposits | 54.5207% | 5,339 |
| Net loans and leases to core deposits | 56.3625% | 5,429 |
| Total domestic deposits to total assets | 85.5346% | 3,098 |
| Equity capital to assets | 14.2801% | 922 |
| Core capital (leverage) ratio | 13.6711% | 939 |
| Tier 1 risk-based capital ratio | 23.9051% | 999 |
| Total risk-based capital ratio | 24.3281% | 1,084 |
| Memoranda: |
| Average total assets | $163,215,250 | 3,469 |
| Average earning assets | $151,501,750 | 3,439 |
| Average equity | $22,322,750 | 2,920 |
| Average total loans | $62,024,000 | 4,462 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.8663% | 6,581 |
| Cost of funding earning assets | 0.0728% | 6,540 |
| Net interest margin | 1.7935% | 6,557 |
| Noninterest income to average assets | 0.2276% | 5,580 |
| Noninterest expense to average assets | 2.5882% | 4,279 |
| Loan and lease loss provision to assets | 0.2042% | 1,174 |
| Net operating income to assets | -0.8992% | 6,518 |
| Return on assets (ROA) | -0.8316% | 6,508 |
| Pretax return on assets | -0.8303% | 6,494 |
| Return on Equity (ROE) | -6.1723% | 6,461 |
| Retained earnings to average equity (ytd only) | -6.1723% | 6,303 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.6234% | 78 |
| Assets per employee ($millions) | 5.4881% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2731% | 6,547 |
| Loan loss allowance to noncurrent loans | 13.3333% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 3,778 |
| Noncurrent loans to loans | 2.0480% | 1,642 |
| Net loans and leases to total assets | 35.6339% | 6,067 |
| Net loans and leases to deposits | 41.4929% | 6,088 |
| Net loans and leases to core deposits | 42.9017% | 6,117 |
| Total domestic deposits to total assets | 85.8796% | 3,105 |
| Equity capital to assets | 13.9082% | 1,009 |
| Core capital (leverage) ratio | 13.2092% | 1,082 |
| Tier 1 risk-based capital ratio | 27.4292% | 675 |
| Total risk-based capital ratio | 27.6753% | 720 |
| Memoranda: |
| Average total assets | $162,583,330 | 3,499 |
| Average earning assets | $151,102,000 | 3,463 |
| Average equity | $21,904,330 | 2,957 |
| Average total loans | $56,899,330 | 4,660 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.9502% | 6,701 |
| Cost of funding earning assets | 0.0378% | 6,673 |
| Net interest margin | 0.9124% | 6,698 |
| Noninterest income to average assets | 0.2091% | 5,690 |
| Noninterest expense to average assets | 1.8236% | 6,185 |
| Loan and lease loss provision to assets | 0.0151% | 3,631 |
| Net operating income to assets | -0.7783% | 6,533 |
| Return on assets (ROA) | -0.7783% | 6,534 |
| Pretax return on assets | -0.7783% | 6,525 |
| Return on Equity (ROE) | -5.8786% | 6,486 |
| Retained earnings to average equity (ytd only) | -5.8786% | 6,171 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.9715% | 42 |
| Assets per employee ($millions) | 5.6961% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0111% | 6,671 |
| Loan loss allowance to noncurrent loans | 0.4545% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 3,881 |
| Noncurrent loans to loans | 2.4501% | 1,422 |
| Net loans and leases to total assets | 30.5072% | 6,331 |
| Net loans and leases to deposits | 35.3678% | 6,337 |
| Net loans and leases to core deposits | 36.5903% | 6,349 |
| Total domestic deposits to total assets | 86.2571% | 3,230 |
| Equity capital to assets | 13.5113% | 1,092 |
| Core capital (leverage) ratio | 12.7804% | 1,254 |
| Tier 1 risk-based capital ratio | 29.0301% | 570 |
| Total risk-based capital ratio | 29.0773% | 643 |
| Memoranda: |
| Average total assets | $158,810,000 | 3,576 |
| Average earning assets | $148,173,000 | 3,539 |
| Average equity | $21,025,500 | 3,048 |
| Average total loans | $54,954,000 | 4,758 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6463% | 5,291 |
| Cost of funding earning assets | 0.1652% | 6,472 |
| Net interest margin | 3.4811% | 3,983 |
| Noninterest income to average assets | 0.4460% | 4,112 |
| Noninterest expense to average assets | 4.1690% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4474% | 6,473 |
| Return on assets (ROA) | -0.3956% | 6,470 |
| Pretax return on assets | -0.3956% | 6,454 |
| Return on Equity (ROE) | -3.0268% | 6,429 |
| Retained earnings to average equity (ytd only) | -3.0268% | 6,265 |
| Net charge-offs to loans | 0.3479% | 1,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.7824% | 5,346 |
| Efficiency ratio | 112.0210% | 246 |
| Assets per employee ($millions) | 4.1483% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.5021% | 68 |
| Loan loss allowance to noncurrent loans | 72.8153% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 3.0019% | 1,054 |
| Noncurrent loans to loans | 7.5563% | 212 |
| Net loans and leases to total assets | 37.5420% | 6,127 |
| Net loans and leases to deposits | 43.2153% | 6,160 |
| Net loans and leases to core deposits | 45.1969% | 6,177 |
| Total domestic deposits to total assets | 86.8720% | 2,795 |
| Equity capital to assets | 12.8990% | 1,324 |
| Core capital (leverage) ratio | 13.1648% | 1,074 |
| Tier 1 risk-based capital ratio | 25.9083% | 776 |
| Total risk-based capital ratio | 27.1951% | 758 |
| Memoranda: |
| Average total assets | $148,646,200 | 3,728 |
| Average earning assets | $139,867,600 | 3,666 |
| Average equity | $19,426,600 | 3,222 |
| Average total loans | $68,699,800 | 4,315 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7489% | 5,036 |
| Cost of funding earning assets | 0.1695% | 6,556 |
| Net interest margin | 3.5793% | 3,538 |
| Noninterest income to average assets | 0.5314% | 3,580 |
| Noninterest expense to average assets | 4.1660% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2692% | 6,507 |
| Return on assets (ROA) | -0.2010% | 6,492 |
| Pretax return on assets | -0.2010% | 6,473 |
| Return on Equity (ROE) | -1.5336% | 6,457 |
| Retained earnings to average equity (ytd only) | -1.5336% | 6,202 |
| Net charge-offs to loans | 0.8478% | 690 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.6652% | 4,973 |
| Efficiency ratio | 106.9091% | 314 |
| Assets per employee ($millions) | 4.1280% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4313% | 173 |
| Loan loss allowance to noncurrent loans | 96.1409% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 2.0626% | 1,950 |
| Noncurrent loans to loans | 4.6092% | 692 |
| Net loans and leases to total assets | 42.7665% | 5,840 |
| Net loans and leases to deposits | 49.3176% | 5,880 |
| Net loans and leases to core deposits | 51.9843% | 5,892 |
| Total domestic deposits to total assets | 86.7165% | 2,842 |
| Equity capital to assets | 13.0821% | 1,302 |
| Core capital (leverage) ratio | 12.9985% | 1,205 |
| Tier 1 risk-based capital ratio | 23.5227% | 1,066 |
| Total risk-based capital ratio | 24.8009% | 1,041 |
| Memoranda: |
| Average total assets | $150,547,250 | 3,727 |
| Average earning assets | $141,549,750 | 3,681 |
| Average equity | $19,735,000 | 3,216 |
| Average total loans | $71,866,500 | 4,234 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7882% | 4,869 |
| Cost of funding earning assets | 0.1731% | 6,609 |
| Net interest margin | 3.6151% | 3,303 |
| Noninterest income to average assets | 0.6790% | 2,743 |
| Noninterest expense to average assets | 4.3796% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3067% | 6,553 |
| Return on assets (ROA) | -0.2058% | 6,527 |
| Pretax return on assets | -0.2058% | 6,500 |
| Return on Equity (ROE) | -1.5690% | 6,497 |
| Retained earnings to average equity (ytd only) | -1.5690% | 6,134 |
| Net charge-offs to loans | 0.5951% | 1,110 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.0588% | 4,718 |
| Efficiency ratio | 107.5314% | 319 |
| Assets per employee ($millions) | 4.3422% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4116% | 184 |
| Loan loss allowance to noncurrent loans | 89.6761% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.3422% | 1,835 |
| Noncurrent loans to loans | 4.9195% | 669 |
| Net loans and leases to total assets | 45.5113% | 5,588 |
| Net loans and leases to deposits | 52.3796% | 5,652 |
| Net loans and leases to core deposits | 55.2222% | 5,660 |
| Total domestic deposits to total assets | 86.8873% | 2,891 |
| Equity capital to assets | 12.8925% | 1,387 |
| Core capital (leverage) ratio | 13.0439% | 1,145 |
| Tier 1 risk-based capital ratio | 21.9399% | 1,295 |
| Total risk-based capital ratio | 23.2176% | 1,268 |
| Memoranda: |
| Average total assets | $152,569,670 | 3,725 |
| Average earning assets | $143,233,670 | 3,674 |
| Average equity | $20,013,000 | 3,204 |
| Average total loans | $74,270,670 | 4,163 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9017% | 4,465 |
| Cost of funding earning assets | 0.1812% | 6,668 |
| Net interest margin | 3.7205% | 2,775 |
| Noninterest income to average assets | 1.1378% | 1,155 |
| Noninterest expense to average assets | 4.6750% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0413% | 6,388 |
| Return on assets (ROA) | 0.1109% | 6,220 |
| Pretax return on assets | 0.1109% | 6,240 |
| Return on Equity (ROE) | 0.8389% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.8389% | 5,507 |
| Net charge-offs to loans | 1.6994% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.0494% | 3,838 |
| Efficiency ratio | 100.8909% | 514 |
| Assets per employee ($millions) | 4.2404% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2717% | 231 |
| Loan loss allowance to noncurrent loans | 166.8336% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 3,605 |
| Noncurrent loans to loans | 2.5604% | 2,018 |
| Net loans and leases to total assets | 44.0107% | 5,663 |
| Net loans and leases to deposits | 50.9510% | 5,713 |
| Net loans and leases to core deposits | 53.2209% | 5,729 |
| Total domestic deposits to total assets | 86.3785% | 3,312 |
| Equity capital to assets | 13.4230% | 1,236 |
| Core capital (leverage) ratio | 13.1041% | 1,075 |
| Tier 1 risk-based capital ratio | 22.0032% | 1,331 |
| Total risk-based capital ratio | 23.2793% | 1,296 |
| Memoranda: |
| Average total assets | $155,036,500 | 3,724 |
| Average earning assets | $145,680,000 | 3,667 |
| Average equity | $20,502,500 | 3,196 |
| Average total loans | $76,260,000 | 4,126 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3452% | 4,036 |
| Cost of funding earning assets | 0.3531% | 6,188 |
| Net interest margin | 3.9921% | 2,420 |
| Noninterest income to average assets | 0.4584% | 4,188 |
| Noninterest expense to average assets | 3.8577% | 1,158 |
| Loan and lease loss provision to assets | 0.7354% | 692 |
| Net operating income to assets | -0.4008% | 6,515 |
| Return on assets (ROA) | -0.4008% | 6,563 |
| Pretax return on assets | -0.4008% | 6,526 |
| Return on Equity (ROE) | -3.2483% | 6,508 |
| Retained earnings to average equity (ytd only) | -3.2483% | 6,281 |
| Net charge-offs to loans | 2.4032% | 267 |
| Credit loss provision to net charge-offs | 50.6971% | 4,683 |
| Earnings coverage of net charge-offs (x) | 0.2307% | 5,362 |
| Efficiency ratio | 92.0187% | 919 |
| Assets per employee ($millions) | 4.3727% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0346% | 280 |
| Loan loss allowance to noncurrent loans | 36.3537% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 6.1226% | 555 |
| Noncurrent loans to loans | 11.0983% | 181 |
| Net loans and leases to total assets | 50.1947% | 5,143 |
| Net loans and leases to deposits | 59.1230% | 5,117 |
| Net loans and leases to core deposits | 62.1700% | 5,136 |
| Total domestic deposits to total assets | 84.8987% | 3,906 |
| Equity capital to assets | 13.0316% | 1,435 |
| Core capital (leverage) ratio | 12.3305% | 1,387 |
| Tier 1 risk-based capital ratio | 19.3799% | 1,847 |
| Total risk-based capital ratio | 20.6558% | 1,806 |
| Memoranda: |
| Average total assets | $163,179,400 | 3,566 |
| Average earning assets | $152,626,800 | 3,500 |
| Average equity | $20,133,800 | 3,191 |
| Average total loans | $98,493,000 | 3,560 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4935% | 3,666 |
| Cost of funding earning assets | 0.3698% | 6,275 |
| Net interest margin | 4.1236% | 2,010 |
| Noninterest income to average assets | 0.4884% | 3,993 |
| Noninterest expense to average assets | 3.8698% | 1,107 |
| Loan and lease loss provision to assets | 0.9719% | 428 |
| Net operating income to assets | -0.4973% | 6,700 |
| Return on assets (ROA) | -0.4973% | 6,730 |
| Pretax return on assets | -0.4973% | 6,705 |
| Return on Equity (ROE) | -4.0853% | 6,681 |
| Retained earnings to average equity (ytd only) | -4.0853% | 6,560 |
| Net charge-offs to loans | 2.9545% | 187 |
| Credit loss provision to net charge-offs | 52.8169% | 4,330 |
| Earnings coverage of net charge-offs (x) | 0.2579% | 5,197 |
| Efficiency ratio | 89.0753% | 1,108 |
| Assets per employee ($millions) | 4.3567% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7878% | 360 |
| Loan loss allowance to noncurrent loans | 22.6757% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 9.3481% | 278 |
| Noncurrent loans to loans | 16.7042% | 75 |
| Net loans and leases to total assets | 53.8431% | 4,772 |
| Net loans and leases to deposits | 63.0665% | 4,833 |
| Net loans and leases to core deposits | 66.3421% | 4,917 |
| Total domestic deposits to total assets | 85.3751% | 3,575 |
| Equity capital to assets | 12.5789% | 1,834 |
| Core capital (leverage) ratio | 11.6156% | 1,899 |
| Tier 1 risk-based capital ratio | 17.5303% | 2,532 |
| Total risk-based capital ratio | 18.8037% | 2,487 |
| Memoranda: |
| Average total assets | $164,620,000 | 3,575 |
| Average earning assets | $153,937,750 | 3,520 |
| Average equity | $20,038,750 | 3,232 |
| Average total loans | $102,532,000 | 3,498 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6211% | 3,269 |
| Cost of funding earning assets | 0.3720% | 6,409 |
| Net interest margin | 4.2491% | 1,604 |
| Noninterest income to average assets | 0.6214% | 3,121 |
| Noninterest expense to average assets | 4.0263% | 912 |
| Loan and lease loss provision to assets | 0.1207% | 4,020 |
| Net operating income to assets | 0.4573% | 5,010 |
| Return on assets (ROA) | 0.4573% | 5,245 |
| Pretax return on assets | 0.4573% | 5,558 |
| Return on Equity (ROE) | 3.7977% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.7977% | 4,087 |
| Net charge-offs to loans | 0.7333% | 1,507 |
| Credit loss provision to net charge-offs | 25.5754% | 4,518 |
| Earnings coverage of net charge-offs (x) | 1.2251% | 4,393 |
| Efficiency ratio | 87.4476% | 1,290 |
| Assets per employee ($millions) | 4.5234% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2897% | 278 |
| Loan loss allowance to noncurrent loans | 33.9369% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 7.3909% | 498 |
| Noncurrent loans to loans | 12.6401% | 150 |
| Net loans and leases to total assets | 55.9638% | 4,476 |
| Net loans and leases to deposits | 65.2181% | 4,613 |
| Net loans and leases to core deposits | 68.2675% | 4,753 |
| Total domestic deposits to total assets | 85.8102% | 3,445 |
| Equity capital to assets | 12.1906% | 2,009 |
| Core capital (leverage) ratio | 11.9477% | 1,627 |
| Tier 1 risk-based capital ratio | 17.3084% | 2,541 |
| Total risk-based capital ratio | 18.5888% | 2,499 |
| Memoranda: |
| Average total assets | $165,760,670 | 3,570 |
| Average earning assets | $155,374,000 | 3,507 |
| Average equity | $19,959,330 | 3,225 |
| Average total loans | $106,639,000 | 3,410 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6867% | 3,099 |
| Cost of funding earning assets | 0.3778% | 6,510 |
| Net interest margin | 4.3089% | 1,442 |
| Noninterest income to average assets | 0.2837% | 5,600 |
| Noninterest expense to average assets | 3.9695% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3516% | 5,469 |
| Return on assets (ROA) | 0.3516% | 5,643 |
| Pretax return on assets | 0.3516% | 5,849 |
| Return on Equity (ROE) | 2.9386% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.9386% | 4,784 |
| Net charge-offs to loans | 0.8502% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.6144% | 4,026 |
| Efficiency ratio | 91.8631% | 951 |
| Assets per employee ($millions) | 4.3861% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9799% | 376 |
| Loan loss allowance to noncurrent loans | 31.5950% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 8.4302% | 439 |
| Noncurrent loans to loans | 12.5966% | 176 |
| Net loans and leases to total assets | 63.2273% | 2,998 |
| Net loans and leases to deposits | 73.7929% | 3,141 |
| Net loans and leases to core deposits | 78.0974% | 3,309 |
| Total domestic deposits to total assets | 85.6821% | 3,694 |
| Equity capital to assets | 12.2919% | 1,858 |
| Core capital (leverage) ratio | 12.0127% | 1,576 |
| Tier 1 risk-based capital ratio | 16.1463% | 3,100 |
| Total risk-based capital ratio | 17.4250% | 3,050 |
| Memoranda: |
| Average total assets | $164,957,500 | 3,602 |
| Average earning assets | $154,565,000 | 3,541 |
| Average equity | $19,737,500 | 3,258 |
| Average total loans | $111,027,000 | 3,325 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1891% | 2,110 |
| Cost of funding earning assets | 0.6078% | 6,059 |
| Net interest margin | 4.5813% | 955 |
| Noninterest income to average assets | -0.0256% | 7,039 |
| Noninterest expense to average assets | 3.9772% | 1,069 |
| Loan and lease loss provision to assets | 0.3756% | 2,740 |
| Net operating income to assets | -0.1159% | 6,179 |
| Return on assets (ROA) | 0.0466% | 6,078 |
| Pretax return on assets | 0.0466% | 6,053 |
| Return on Equity (ROE) | 0.4082% | 6,084 |
| Retained earnings to average equity (ytd only) | 0.4082% | 5,643 |
| Net charge-offs to loans | 1.6563% | 939 |
| Credit loss provision to net charge-offs | 30.5977% | 5,776 |
| Earnings coverage of net charge-offs (x) | 0.2116% | 5,671 |
| Efficiency ratio | 93.8694% | 930 |
| Assets per employee ($millions) | 4.2982% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8970% | 407 |
| Loan loss allowance to noncurrent loans | 26.8980% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 10.0872% | 328 |
| Noncurrent loans to loans | 14.4880% | 141 |
| Net loans and leases to total assets | 66.0405% | 2,777 |
| Net loans and leases to deposits | 76.4582% | 3,103 |
| Net loans and leases to core deposits | 80.8830% | 3,330 |
| Total domestic deposits to total assets | 86.3747% | 3,096 |
| Equity capital to assets | 11.6489% | 2,386 |
| Core capital (leverage) ratio | 11.2489% | 2,084 |
| Tier 1 risk-based capital ratio | 15.5495% | 3,294 |
| Total risk-based capital ratio | 16.8291% | 3,232 |
| Memoranda: |
| Average total assets | $171,702,800 | 3,459 |
| Average earning assets | $159,756,600 | 3,413 |
| Average equity | $19,597,200 | 3,199 |
| Average total loans | $127,269,000 | 3,033 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2949% | 1,882 |
| Cost of funding earning assets | 0.6272% | 6,142 |
| Net interest margin | 4.6677% | 818 |
| Noninterest income to average assets | -0.1467% | 7,245 |
| Noninterest expense to average assets | 3.9685% | 1,044 |
| Loan and lease loss provision to assets | 0.2856% | 3,232 |
| Net operating income to assets | -0.0633% | 6,239 |
| Return on assets (ROA) | 0.1521% | 5,950 |
| Pretax return on assets | 0.1521% | 5,997 |
| Return on Equity (ROE) | 1.3391% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.3391% | 5,473 |
| Net charge-offs to loans | 1.4798% | 986 |
| Credit loss provision to net charge-offs | 25.5878% | 5,482 |
| Earnings coverage of net charge-offs (x) | 0.1992% | 5,448 |
| Efficiency ratio | 94.6952% | 879 |
| Assets per employee ($millions) | 4.3743% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9629% | 405 |
| Loan loss allowance to noncurrent loans | 29.8153% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 10.0788% | 351 |
| Noncurrent loans to loans | 13.2916% | 189 |
| Net loans and leases to total assets | 69.2654% | 2,228 |
| Net loans and leases to deposits | 80.0998% | 2,638 |
| Net loans and leases to core deposits | 84.6332% | 2,967 |
| Total domestic deposits to total assets | 86.4739% | 2,948 |
| Equity capital to assets | 11.5747% | 2,620 |
| Core capital (leverage) ratio | 11.2349% | 2,205 |
| Tier 1 risk-based capital ratio | 14.7680% | 3,792 |
| Total risk-based capital ratio | 16.0490% | 3,752 |
| Memoranda: |
| Average total assets | $172,721,250 | 3,474 |
| Average earning assets | $160,503,750 | 3,417 |
| Average equity | $19,614,750 | 3,204 |
| Average total loans | $130,288,250 | 3,001 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3432% | 1,738 |
| Cost of funding earning assets | 0.6514% | 6,224 |
| Net interest margin | 4.6918% | 745 |
| Noninterest income to average assets | -0.0300% | 7,237 |
| Noninterest expense to average assets | 3.8621% | 1,258 |
| Loan and lease loss provision to assets | 0.3690% | 2,581 |
| Net operating income to assets | 0.0911% | 6,038 |
| Return on assets (ROA) | 0.0911% | 6,115 |
| Pretax return on assets | 0.0911% | 6,117 |
| Return on Equity (ROE) | 0.8073% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.8073% | 5,537 |
| Net charge-offs to loans | 1.1560% | 1,349 |
| Credit loss provision to net charge-offs | 41.7210% | 4,782 |
| Earnings coverage of net charge-offs (x) | 0.5202% | 4,918 |
| Efficiency ratio | 89.3543% | 1,293 |
| Assets per employee ($millions) | 4.1315% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2947% | 339 |
| Loan loss allowance to noncurrent loans | 30.8265% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 11.1508% | 300 |
| Noncurrent loans to loans | 13.9318% | 164 |
| Net loans and leases to total assets | 70.6986% | 2,071 |
| Net loans and leases to deposits | 81.5368% | 2,516 |
| Net loans and leases to core deposits | 86.7263% | 2,793 |
| Total domestic deposits to total assets | 86.7077% | 2,921 |
| Equity capital to assets | 11.4574% | 2,541 |
| Core capital (leverage) ratio | 11.0270% | 2,222 |
| Tier 1 risk-based capital ratio | 14.2613% | 3,971 |
| Total risk-based capital ratio | 15.5466% | 3,916 |
| Memoranda: |
| Average total assets | $173,429,670 | 3,476 |
| Average earning assets | $160,877,330 | 3,425 |
| Average equity | $19,571,000 | 3,188 |
| Average total loans | $132,704,330 | 2,989 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1992% | 2,221 |
| Cost of funding earning assets | 0.6536% | 6,370 |
| Net interest margin | 4.5456% | 968 |
| Noninterest income to average assets | -0.0438% | 7,347 |
| Noninterest expense to average assets | 3.8873% | 1,192 |
| Loan and lease loss provision to assets | 0.1846% | 3,763 |
| Net operating income to assets | 0.1038% | 6,086 |
| Return on assets (ROA) | 0.1038% | 6,139 |
| Pretax return on assets | 0.1038% | 6,160 |
| Return on Equity (ROE) | 0.9271% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.9271% | 5,458 |
| Net charge-offs to loans | 1.6182% | 835 |
| Credit loss provision to net charge-offs | 14.6520% | 4,332 |
| Earnings coverage of net charge-offs (x) | 0.2289% | 4,443 |
| Efficiency ratio | 93.0939% | 1,093 |
| Assets per employee ($millions) | 4.0524% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1480% | 381 |
| Loan loss allowance to noncurrent loans | 26.5537% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 12.8095% | 223 |
| Noncurrent loans to loans | 15.6211% | 136 |
| Net loans and leases to total assets | 72.7511% | 1,566 |
| Net loans and leases to deposits | 83.6656% | 2,083 |
| Net loans and leases to core deposits | 91.2264% | 2,207 |
| Total domestic deposits to total assets | 86.9546% | 2,965 |
| Equity capital to assets | 11.1872% | 2,514 |
| Core capital (leverage) ratio | 11.1356% | 2,084 |
| Tier 1 risk-based capital ratio | 14.5178% | 3,725 |
| Total risk-based capital ratio | 15.8037% | 3,667 |
| Memoranda: |
| Average total assets | $173,384,000 | 3,498 |
| Average earning assets | $160,948,000 | 3,442 |
| Average equity | $19,416,000 | 3,201 |
| Average total loans | $134,965,500 | 2,984 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6076% | 1,865 |
| Cost of funding earning assets | 1.0372% | 5,503 |
| Net interest margin | 4.5704% | 1,080 |
| Noninterest income to average assets | 0.1297% | 6,748 |
| Noninterest expense to average assets | 3.9933% | 1,170 |
| Loan and lease loss provision to assets | 3.0048% | 316 |
| Net operating income to assets | -2.6400% | 7,215 |
| Return on assets (ROA) | -2.2592% | 7,144 |
| Pretax return on assets | -2.2592% | 7,105 |
| Return on Equity (ROE) | -21.0299% | 7,058 |
| Retained earnings to average equity (ytd only) | -21.0299% | 7,030 |
| Net charge-offs to loans | 2.4421% | 772 |
| Credit loss provision to net charge-offs | 156.5276% | 2,253 |
| Earnings coverage of net charge-offs (x) | 0.1900% | 5,920 |
| Efficiency ratio | 91.6291% | 1,207 |
| Assets per employee ($millions) | 3.8337% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3233% | 303 |
| Loan loss allowance to noncurrent loans | 30.0227% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 12.5577% | 249 |
| Noncurrent loans to loans | 14.4000% | 184 |
| Net loans and leases to total assets | 76.3539% | 1,210 |
| Net loans and leases to deposits | 89.0615% | 1,638 |
| Net loans and leases to core deposits | 97.1208% | 1,877 |
| Total domestic deposits to total assets | 85.7317% | 3,484 |
| Equity capital to assets | 11.2095% | 2,495 |
| Core capital (leverage) ratio | 10.7920% | 2,313 |
| Tier 1 risk-based capital ratio | 14.0292% | 3,852 |
| Total risk-based capital ratio | 15.3179% | 3,794 |
| Memoranda: |
| Average total assets | $193,522,800 | 3,182 |
| Average earning assets | $179,043,400 | 3,135 |
| Average equity | $20,789,400 | 3,041 |
| Average total loans | $152,125,000 | 2,735 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6531% | 1,872 |
| Cost of funding earning assets | 1.1270% | 5,270 |
| Net interest margin | 4.5261% | 1,202 |
| Noninterest income to average assets | 0.1174% | 6,961 |
| Noninterest expense to average assets | 3.9481% | 1,120 |
| Loan and lease loss provision to assets | 3.6322% | 191 |
| Net operating income to assets | -3.2793% | 7,485 |
| Return on assets (ROA) | -2.9198% | 7,443 |
| Pretax return on assets | -2.9198% | 7,399 |
| Return on Equity (ROE) | -27.4385% | 7,347 |
| Retained earnings to average equity (ytd only) | -27.4385% | 7,340 |
| Net charge-offs to loans | 2.3132% | 767 |
| Credit loss provision to net charge-offs | 200.4071% | 1,778 |
| Earnings coverage of net charge-offs (x) | 0.1947% | 5,820 |
| Efficiency ratio | 91.7966% | 1,141 |
| Assets per employee ($millions) | 4.0426% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4587% | 258 |
| Loan loss allowance to noncurrent loans | 31.3231% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 13.4273% | 210 |
| Noncurrent loans to loans | 14.2346% | 180 |
| Net loans and leases to total assets | 79.0860% | 871 |
| Net loans and leases to deposits | 93.9788% | 1,202 |
| Net loans and leases to core deposits | 102.8243% | 1,577 |
| Total domestic deposits to total assets | 84.1530% | 4,028 |
| Equity capital to assets | 11.1758% | 2,796 |
| Core capital (leverage) ratio | 10.4301% | 2,765 |
| Tier 1 risk-based capital ratio | 13.2022% | 4,420 |
| Total risk-based capital ratio | 14.4928% | 4,364 |
| Memoranda: |
| Average total assets | $198,774,750 | 3,157 |
| Average earning assets | $183,731,000 | 3,128 |
| Average equity | $21,152,250 | 3,029 |
| Average total loans | $155,737,750 | 2,715 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6245% | 2,047 |
| Cost of funding earning assets | 1.2469% | 4,851 |
| Net interest margin | 4.3777% | 1,516 |
| Noninterest income to average assets | 0.0885% | 7,137 |
| Noninterest expense to average assets | 3.8194% | 1,333 |
| Loan and lease loss provision to assets | 3.5870% | 242 |
| Net operating income to assets | -3.2633% | 7,542 |
| Return on assets (ROA) | -2.7423% | 7,478 |
| Pretax return on assets | -2.7423% | 7,425 |
| Return on Equity (ROE) | -26.1486% | 7,383 |
| Retained earnings to average equity (ytd only) | -26.1486% | 7,367 |
| Net charge-offs to loans | 2.9968% | 529 |
| Credit loss provision to net charge-offs | 155.3030% | 2,537 |
| Earnings coverage of net charge-offs (x) | 0.1402% | 5,582 |
| Efficiency ratio | 92.1868% | 1,176 |
| Assets per employee ($millions) | 4.0991% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4498% | 570 |
| Loan loss allowance to noncurrent loans | 28.7383% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 11.2536% | 308 |
| Noncurrent loans to loans | 12.0042% | 288 |
| Net loans and leases to total assets | 75.0454% | 1,682 |
| Net loans and leases to deposits | 91.3491% | 1,643 |
| Net loans and leases to core deposits | 101.0978% | 1,911 |
| Total domestic deposits to total assets | 82.1523% | 4,925 |
| Equity capital to assets | 10.9360% | 2,933 |
| Core capital (leverage) ratio | 10.2895% | 2,840 |
| Tier 1 risk-based capital ratio | 13.5145% | 4,056 |
| Total risk-based capital ratio | 14.7908% | 4,005 |
| Memoranda: |
| Average total assets | $205,741,000 | 3,097 |
| Average earning assets | $190,558,670 | 3,054 |
| Average equity | $21,576,670 | 2,968 |
| Average total loans | $158,570,330 | 2,714 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7381% | 1,645 |
| Cost of funding earning assets | 1.3147% | 4,726 |
| Net interest margin | 4.4234% | 1,322 |
| Noninterest income to average assets | 0.0433% | 7,495 |
| Noninterest expense to average assets | 3.8232% | 1,293 |
| Loan and lease loss provision to assets | 2.1292% | 513 |
| Net operating income to assets | -1.7882% | 7,408 |
| Return on assets (ROA) | -0.8197% | 7,042 |
| Pretax return on assets | -0.8197% | 6,960 |
| Return on Equity (ROE) | -7.9705% | 7,053 |
| Retained earnings to average equity (ytd only) | -7.9705% | 6,826 |
| Net charge-offs to loans | 0.2994% | 3,218 |
| Credit loss provision to net charge-offs | 926.2295% | 498 |
| Earnings coverage of net charge-offs (x) | 1.4836% | 3,843 |
| Efficiency ratio | 91.8100% | 1,294 |
| Assets per employee ($millions) | 4.4076% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0174% | 810 |
| Loan loss allowance to noncurrent loans | 24.4701% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 10.4486% | 366 |
| Noncurrent loans to loans | 12.3309% | 270 |
| Net loans and leases to total assets | 75.4051% | 1,659 |
| Net loans and leases to deposits | 96.4497% | 1,055 |
| Net loans and leases to core deposits | 108.1496% | 1,405 |
| Total domestic deposits to total assets | 78.1808% | 6,277 |
| Equity capital to assets | 10.5490% | 3,197 |
| Core capital (leverage) ratio | 10.3326% | 2,776 |
| Tier 1 risk-based capital ratio | 13.1810% | 4,223 |
| Total risk-based capital ratio | 14.4522% | 4,160 |
| Memoranda: |
| Average total assets | $212,282,500 | 3,077 |
| Average earning assets | $197,765,500 | 3,030 |
| Average equity | $21,830,500 | 2,968 |
| Average total loans | $162,982,000 | 2,720 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2585% | 1,098 |
| Cost of funding earning assets | 1.8322% | 3,823 |
| Net interest margin | 4.4263% | 1,358 |
| Noninterest income to average assets | 0.0095% | 7,663 |
| Noninterest expense to average assets | 3.5906% | 2,168 |
| Loan and lease loss provision to assets | 2.1691% | 961 |
| Net operating income to assets | -1.5827% | 6,900 |
| Return on assets (ROA) | -1.2250% | 6,724 |
| Pretax return on assets | -1.2542% | 6,575 |
| Return on Equity (ROE) | -14.0186% | 6,878 |
| Retained earnings to average equity (ytd only) | -14.0186% | 6,818 |
| Net charge-offs to loans | 2.7868% | 799 |
| Credit loss provision to net charge-offs | 100.9000% | 5,468 |
| Earnings coverage of net charge-offs (x) | 0.2558% | 5,863 |
| Efficiency ratio | 86.7186% | 2,034 |
| Assets per employee ($millions) | 4.5293% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3360% | 1,428 |
| Loan loss allowance to noncurrent loans | 30.6761% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 6.6736% | 797 |
| Noncurrent loans to loans | 7.6151% | 684 |
| Net loans and leases to total assets | 74.0750% | 2,258 |
| Net loans and leases to deposits | 94.6577% | 1,507 |
| Net loans and leases to core deposits | 124.4696% | 1,608 |
| Total domestic deposits to total assets | 78.2556% | 6,168 |
| Equity capital to assets | 10.0309% | 3,715 |
| Core capital (leverage) ratio | 9.4283% | 3,803 |
| Tier 1 risk-based capital ratio | 11.8583% | 5,067 |
| Total risk-based capital ratio | 13.1198% | 5,024 |
| Memoranda: |
| Average total assets | $232,580,200 | 2,791 |
| Average earning assets | $217,064,200 | 2,742 |
| Average equity | $20,323,000 | 3,156 |
| Average total loans | $179,419,400 | 2,523 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2768% | 1,184 |
| Cost of funding earning assets | 1.9173% | 3,785 |
| Net interest margin | 4.3595% | 1,563 |
| Noninterest income to average assets | 0.3198% | 5,922 |
| Noninterest expense to average assets | 3.5316% | 2,192 |
| Loan and lease loss provision to assets | 1.4948% | 1,284 |
| Net operating income to assets | -0.6202% | 6,538 |
| Return on assets (ROA) | -0.3018% | 6,216 |
| Pretax return on assets | -0.3125% | 6,109 |
| Return on Equity (ROE) | -3.5752% | 6,302 |
| Retained earnings to average equity (ytd only) | -3.5752% | 6,041 |
| Net charge-offs to loans | 1.8275% | 1,103 |
| Credit loss provision to net charge-offs | 105.6198% | 4,815 |
| Earnings coverage of net charge-offs (x) | 0.6034% | 5,430 |
| Efficiency ratio | 80.5273% | 2,770 |
| Assets per employee ($millions) | 4.4082% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2687% | 1,330 |
| Loan loss allowance to noncurrent loans | 23.6762% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 8.8596% | 443 |
| Noncurrent loans to loans | 9.5823% | 428 |
| Net loans and leases to total assets | 75.6475% | 2,067 |
| Net loans and leases to deposits | 97.5189% | 1,379 |
| Net loans and leases to core deposits | 127.8136% | 1,598 |
| Total domestic deposits to total assets | 77.5722% | 6,199 |
| Equity capital to assets | 9.7247% | 4,463 |
| Core capital (leverage) ratio | 9.1131% | 4,470 |
| Tier 1 risk-based capital ratio | 11.2111% | 5,734 |
| Total risk-based capital ratio | 12.4720% | 5,677 |
| Memoranda: |
| Average total assets | $236,373,250 | 2,764 |
| Average earning assets | $220,445,500 | 2,714 |
| Average equity | $19,951,750 | 3,240 |
| Average total loans | $183,050,000 | 2,503 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2910% | 1,230 |
| Cost of funding earning assets | 2.0461% | 3,541 |
| Net interest margin | 4.2449% | 1,834 |
| Noninterest income to average assets | 0.3214% | 5,939 |
| Noninterest expense to average assets | 3.5875% | 2,102 |
| Loan and lease loss provision to assets | 1.8316% | 899 |
| Net operating income to assets | -1.0996% | 7,052 |
| Return on assets (ROA) | -0.9033% | 6,913 |
| Pretax return on assets | -0.9350% | 6,771 |
| Return on Equity (ROE) | -11.2350% | 7,125 |
| Retained earnings to average equity (ytd only) | -11.2350% | 6,988 |
| Net charge-offs to loans | 1.8499% | 1,020 |
| Credit loss provision to net charge-offs | 127.8327% | 3,638 |
| Earnings coverage of net charge-offs (x) | 0.4846% | 5,218 |
| Efficiency ratio | 83.7838% | 2,504 |
| Assets per employee ($millions) | 4.4790% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3647% | 1,029 |
| Loan loss allowance to noncurrent loans | 39.5023% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 6.0586% | 800 |
| Noncurrent loans to loans | 5.9863% | 913 |
| Net loans and leases to total assets | 75.9790% | 2,184 |
| Net loans and leases to deposits | 98.9554% | 1,397 |
| Net loans and leases to core deposits | 122.4600% | 2,160 |
| Total domestic deposits to total assets | 76.7811% | 6,383 |
| Equity capital to assets | 8.6218% | 5,865 |
| Core capital (leverage) ratio | 8.0197% | 6,292 |
| Tier 1 risk-based capital ratio | 10.0391% | 6,878 |
| Total risk-based capital ratio | 11.3020% | 6,792 |
| Memoranda: |
| Average total assets | $240,224,670 | 2,746 |
| Average earning assets | $224,130,000 | 2,698 |
| Average equity | $19,314,670 | 3,353 |
| Average total loans | $186,060,670 | 2,502 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3751% | 1,119 |
| Cost of funding earning assets | 2.0869% | 3,710 |
| Net interest margin | 4.2882% | 1,635 |
| Noninterest income to average assets | 0.3182% | 5,904 |
| Noninterest expense to average assets | 3.2294% | 2,859 |
| Loan and lease loss provision to assets | 1.9682% | 617 |
| Net operating income to assets | -0.8542% | 7,156 |
| Return on assets (ROA) | -0.6315% | 7,032 |
| Pretax return on assets | -0.6528% | 6,936 |
| Return on Equity (ROE) | -8.1346% | 7,246 |
| Retained earnings to average equity (ytd only) | -8.1346% | 6,929 |
| Net charge-offs to loans | 2.4747% | 570 |
| Credit loss provision to net charge-offs | 102.9160% | 3,646 |
| Earnings coverage of net charge-offs (x) | 0.5678% | 4,538 |
| Efficiency ratio | 74.8385% | 3,690 |
| Assets per employee ($millions) | 4.8789% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0610% | 1,308 |
| Loan loss allowance to noncurrent loans | 59.9313% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 3.1602% | 1,771 |
| Noncurrent loans to loans | 3.4389% | 1,857 |
| Net loans and leases to total assets | 74.8233% | 2,547 |
| Net loans and leases to deposits | 103.0504% | 1,090 |
| Net loans and leases to core deposits | 124.4321% | 2,048 |
| Total domestic deposits to total assets | 72.6085% | 7,115 |
| Equity capital to assets | 7.7337% | 7,148 |
| Core capital (leverage) ratio | 7.3320% | 7,344 |
| Tier 1 risk-based capital ratio | 9.1207% | 7,726 |
| Total risk-based capital ratio | 10.3791% | 7,725 |
| Memoranda: |
| Average total assets | $243,882,500 | 2,724 |
| Average earning assets | $227,321,500 | 2,675 |
| Average equity | $18,931,500 | 3,425 |
| Average total loans | $188,467,000 | 2,490 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1031% | 912 |
| Cost of funding earning assets | 2.4871% | 4,274 |
| Net interest margin | 4.6160% | 1,136 |
| Noninterest income to average assets | 0.4032% | 5,444 |
| Noninterest expense to average assets | 3.4359% | 2,566 |
| Loan and lease loss provision to assets | 1.1755% | 1,231 |
| Net operating income to assets | 0.1274% | 6,028 |
| Return on assets (ROA) | 0.1142% | 5,910 |
| Pretax return on assets | 0.1324% | 5,877 |
| Return on Equity (ROE) | 1.4732% | 5,778 |
| Retained earnings to average equity (ytd only) | -0.0940% | 5,296 |
| Net charge-offs to loans | 0.6241% | 1,970 |
| Credit loss provision to net charge-offs | 249.4845% | 1,870 |
| Earnings coverage of net charge-offs (x) | 2.8084% | 4,679 |
| Efficiency ratio | 72.1953% | 3,900 |
| Assets per employee ($millions) | 4.5152% | 2,590 |
| Cash dividends to net income (ytd only)* | 106.3830% | 857 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9977% | 1,225 |
| Loan loss allowance to noncurrent loans | 102.3112% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.5261% | 3,165 |
| Noncurrent loans to loans | 1.9526% | 2,825 |
| Net loans and leases to total assets | 76.5968% | 2,472 |
| Net loans and leases to deposits | 109.7665% | 852 |
| Net loans and leases to core deposits | 127.3710% | 2,050 |
| Total domestic deposits to total assets | 69.7815% | 7,299 |
| Equity capital to assets | 7.7914% | 7,103 |
| Core capital (leverage) ratio | 7.2485% | 7,469 |
| Tier 1 risk-based capital ratio | 9.2291% | 7,589 |
| Total risk-based capital ratio | 10.4874% | 7,525 |
| Memoranda: |
| Average total assets | $247,038,800 | 2,586 |
| Average earning assets | $233,123,000 | 2,526 |
| Average equity | $19,141,600 | 3,374 |
| Average total loans | $186,495,600 | 2,437 |
