| 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 | 6.1326% | 538 |
| Cost of funding earning assets | 1.5955% | 1,704 |
| Net interest margin | 4.5371% | 576 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.7758% | 1,563 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 2.1294% | 376 |
| Return on assets (ROA) | 2.1294% | 369 |
| Pretax return on assets | 2.1294% | 541 |
| Return on Equity (ROE) | 20.5000% | 570 |
| Retained earnings to average equity (ytd only) | 12.8045% | 526 |
| Net charge-offs to loans | 0.0408% | 1,497 |
| Credit loss provision to net charge-offs | 701.7544% | 525 |
| Earnings coverage of net charge-offs (x) | 72.1813% | 1,081 |
| Efficiency ratio | 54.0606% | 3,675 |
| Assets per employee ($millions) | 5.1855% | 3,487 |
| Cash dividends to net income (ytd only)* | 37.5482% | 2,230 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5522% | 936 |
| Loan loss allowance to noncurrent loans | 314.4325% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 1,331 |
| Noncurrent loans to loans | 0.4936% | 1,553 |
| Net loans and leases to total assets | 80.4400% | 588 |
| Net loans and leases to deposits | 103.6021% | 381 |
| Net loans and leases to core deposits | 118.6372% | 671 |
| Total domestic deposits to total assets | 77.6400% | 3,775 |
| Equity capital to assets | 10.3981% | 1,785 |
| Core capital (leverage) ratio | 10.7373% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $523,281,800 | 1,678 |
| Average earning assets | $474,330,600 | 1,698 |
| Average equity | $54,348,000 | 1,507 |
| Average total loans | $419,573,600 | 1,427 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9519% | 566 |
| Cost of funding earning assets | 1.4326% | 1,785 |
| Net interest margin | 4.5193% | 597 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 2.8516% | 1,316 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 2.0592% | 463 |
| Return on assets (ROA) | 2.0592% | 455 |
| Pretax return on assets | 2.0592% | 700 |
| Return on Equity (ROE) | 19.8300% | 739 |
| Retained earnings to average equity (ytd only) | 13.0810% | 801 |
| Net charge-offs to loans | 0.0256% | 1,559 |
| Credit loss provision to net charge-offs | 1,139.2405% | 375 |
| Earnings coverage of net charge-offs (x) | 112.1519% | 871 |
| Efficiency ratio | 55.4393% | 3,448 |
| Assets per employee ($millions) | 5.0398% | 3,576 |
| Cash dividends to net income (ytd only)* | 34.0452% | 1,903 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5877% | 908 |
| Loan loss allowance to noncurrent loans | 507.7323% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 1,930 |
| Noncurrent loans to loans | 0.3127% | 2,113 |
| Net loans and leases to total assets | 79.9900% | 647 |
| Net loans and leases to deposits | 101.1637% | 465 |
| Net loans and leases to core deposits | 114.6789% | 705 |
| Total domestic deposits to total assets | 79.0700% | 3,681 |
| Equity capital to assets | 10.5796% | 1,521 |
| Core capital (leverage) ratio | 10.9455% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $515,389,750 | 1,700 |
| Average earning assets | $466,283,250 | 1,723 |
| Average equity | $53,511,500 | 1,519 |
| Average total loans | $411,126,750 | 1,444 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7461% | 600 |
| Cost of funding earning assets | 1.2772% | 1,770 |
| Net interest margin | 4.4690% | 635 |
| Noninterest income to average assets | 1.1000% | 492 |
| Noninterest expense to average assets | 2.8238% | 1,368 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 2.0787% | 418 |
| Return on assets (ROA) | 2.0787% | 413 |
| Pretax return on assets | 2.0787% | 650 |
| Return on Equity (ROE) | 20.1500% | 688 |
| Retained earnings to average equity (ytd only) | 14.0756% | 665 |
| Net charge-offs to loans | 0.0287% | 1,314 |
| Credit loss provision to net charge-offs | 1,034.4828% | 398 |
| Earnings coverage of net charge-offs (x) | 101.8793% | 925 |
| Efficiency ratio | 54.9653% | 3,536 |
| Assets per employee ($millions) | 4.9475% | 3,636 |
| Cash dividends to net income (ytd only)* | 30.1563% | 2,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5450% | 1,053 |
| Loan loss allowance to noncurrent loans | 885.1351% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 2,432 |
| Noncurrent loans to loans | 0.1745% | 2,607 |
| Net loans and leases to total assets | 81.9100% | 440 |
| Net loans and leases to deposits | 99.7662% | 522 |
| Net loans and leases to core deposits | 111.7882% | 754 |
| Total domestic deposits to total assets | 82.1000% | 3,216 |
| Equity capital to assets | 10.6836% | 1,515 |
| Core capital (leverage) ratio | 10.6906% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $510,793,000 | 1,700 |
| Average earning assets | $461,181,000 | 1,732 |
| Average equity | $52,687,000 | 1,531 |
| Average total loans | $404,796,000 | 1,447 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4805% | 640 |
| Cost of funding earning assets | 1.0896% | 1,780 |
| Net interest margin | 4.3909% | 694 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 2.9214% | 1,190 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.7998% | 667 |
| Return on assets (ROA) | 1.7998% | 660 |
| Pretax return on assets | 1.7998% | 1,068 |
| Return on Equity (ROE) | 17.7700% | 1,055 |
| Retained earnings to average equity (ytd only) | 11.1795% | 1,431 |
| Net charge-offs to loans | 0.0233% | 1,217 |
| Credit loss provision to net charge-offs | 1,304.3478% | 311 |
| Earnings coverage of net charge-offs (x) | 113.0870% | 728 |
| Efficiency ratio | 58.9489% | 3,078 |
| Assets per employee ($millions) | 4.8942% | 3,733 |
| Cash dividends to net income (ytd only)* | 37.0708% | 1,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7125% | 785 |
| Loan loss allowance to noncurrent loans | 840.0735% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 2,246 |
| Noncurrent loans to loans | 0.2038% | 2,454 |
| Net loans and leases to total assets | 75.8400% | 988 |
| Net loans and leases to deposits | 91.5151% | 950 |
| Net loans and leases to core deposits | 101.2648% | 1,035 |
| Total domestic deposits to total assets | 82.8700% | 3,325 |
| Equity capital to assets | 10.0587% | 1,788 |
| Core capital (leverage) ratio | 10.4881% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $511,391,500 | 1,718 |
| Average earning assets | $458,131,000 | 1,751 |
| Average equity | $51,809,000 | 1,571 |
| Average total loans | $395,220,000 | 1,485 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7699% | 454 |
| Cost of funding earning assets | 0.5292% | 1,214 |
| Net interest margin | 4.2406% | 484 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 2.5898% | 1,855 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.1859% | 219 |
| Return on assets (ROA) | 2.1859% | 212 |
| Pretax return on assets | 2.1859% | 332 |
| Return on Equity (ROE) | 22.5100% | 302 |
| Retained earnings to average equity (ytd only) | 14.3528% | 343 |
| Net charge-offs to loans | 0.0085% | 2,071 |
| Credit loss provision to net charge-offs | 1,935.4839% | 270 |
| Earnings coverage of net charge-offs (x) | 367.8065% | 418 |
| Efficiency ratio | 52.8843% | 3,899 |
| Assets per employee ($millions) | 4.8000% | 3,814 |
| Cash dividends to net income (ytd only)* | 36.2340% | 2,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5067% | 1,179 |
| Loan loss allowance to noncurrent loans | 554.5283% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 2,021 |
| Noncurrent loans to loans | 0.2717% | 2,180 |
| Net loans and leases to total assets | 76.2400% | 987 |
| Net loans and leases to deposits | 92.6731% | 876 |
| Net loans and leases to core deposits | 99.7184% | 1,020 |
| Total domestic deposits to total assets | 82.2700% | 3,574 |
| Equity capital to assets | 10.2054% | 1,608 |
| Core capital (leverage) ratio | 10.5274% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $494,161,800 | 1,736 |
| Average earning assets | $448,374,800 | 1,764 |
| Average equity | $47,990,600 | 1,675 |
| Average total loans | $362,733,000 | 1,507 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6144% | 415 |
| Cost of funding earning assets | 0.4724% | 869 |
| Net interest margin | 4.1420% | 476 |
| Noninterest income to average assets | 1.0900% | 587 |
| Noninterest expense to average assets | 2.6400% | 1,623 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 2.0988% | 247 |
| Return on assets (ROA) | 2.0988% | 245 |
| Pretax return on assets | 2.0988% | 383 |
| Return on Equity (ROE) | 21.9000% | 295 |
| Retained earnings to average equity (ytd only) | 15.0221% | 365 |
| Net charge-offs to loans | 0.0105% | 1,723 |
| Credit loss provision to net charge-offs | 1,607.1429% | 292 |
| Earnings coverage of net charge-offs (x) | 292.5000% | 483 |
| Efficiency ratio | 54.3122% | 3,794 |
| Assets per employee ($millions) | 4.8184% | 3,832 |
| Cash dividends to net income (ytd only)* | 31.3953% | 1,970 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5298% | 1,226 |
| Loan loss allowance to noncurrent loans | 1,632.7635% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 3,028 |
| Noncurrent loans to loans | 0.0937% | 3,209 |
| Net loans and leases to total assets | 74.3300% | 1,069 |
| Net loans and leases to deposits | 90.6460% | 852 |
| Net loans and leases to core deposits | 96.6417% | 971 |
| Total domestic deposits to total assets | 82.0000% | 3,841 |
| Equity capital to assets | 10.0458% | 1,594 |
| Core capital (leverage) ratio | 10.0680% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $491,702,250 | 1,749 |
| Average earning assets | $448,206,250 | 1,773 |
| Average equity | $47,129,500 | 1,716 |
| Average total loans | $355,882,000 | 1,518 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4559% | 401 |
| Cost of funding earning assets | 0.4272% | 771 |
| Net interest margin | 4.0287% | 468 |
| Noninterest income to average assets | 1.1188% | 538 |
| Noninterest expense to average assets | 2.6326% | 1,550 |
| Loan and lease loss provision to assets | 0.1224% | 810 |
| Net operating income to assets | 2.0385% | 214 |
| Return on assets (ROA) | 2.0385% | 217 |
| Pretax return on assets | 2.0385% | 349 |
| Return on Equity (ROE) | 21.6182% | 214 |
| Retained earnings to average equity (ytd only) | 15.1492% | 249 |
| Net charge-offs to loans | 0.0132% | 1,522 |
| Credit loss provision to net charge-offs | 1,304.3478% | 336 |
| Earnings coverage of net charge-offs (x) | 230.2609% | 496 |
| Efficiency ratio | 54.9200% | 3,876 |
| Assets per employee ($millions) | 4.9969% | 3,681 |
| Cash dividends to net income (ytd only)* | 29.9239% | 2,101 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5452% | 1,290 |
| Loan loss allowance to noncurrent loans | 1,091.0156% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 2,807 |
| Noncurrent loans to loans | 0.1416% | 2,995 |
| Net loans and leases to total assets | 71.2272% | 1,181 |
| Net loans and leases to deposits | 86.3411% | 948 |
| Net loans and leases to core deposits | 91.7137% | 1,031 |
| Total domestic deposits to total assets | 82.4951% | 3,944 |
| Equity capital to assets | 9.6155% | 1,929 |
| Core capital (leverage) ratio | 9.6726% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $490,170,000 | 1,761 |
| Average earning assets | $447,091,333 | 1,797 |
| Average equity | $46,220,333 | 1,789 |
| Average total loans | $349,634,667 | 1,533 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4025% | 377 |
| Cost of funding earning assets | 0.4220% | 770 |
| Net interest margin | 3.9805% | 434 |
| Noninterest income to average assets | 1.1611% | 508 |
| Noninterest expense to average assets | 2.7606% | 1,234 |
| Loan and lease loss provision to assets | 0.1236% | 674 |
| Net operating income to assets | 1.8994% | 271 |
| Return on assets (ROA) | 1.8994% | 271 |
| Pretax return on assets | 1.8994% | 450 |
| Return on Equity (ROE) | 20.3503% | 219 |
| Retained earnings to average equity (ytd only) | 13.4021% | 431 |
| Net charge-offs to loans | 0.0338% | 963 |
| Credit loss provision to net charge-offs | 517.2414% | 503 |
| Earnings coverage of net charge-offs (x) | 84.6552% | 725 |
| Efficiency ratio | 57.7089% | 3,707 |
| Assets per employee ($millions) | 5.0081% | 3,748 |
| Cash dividends to net income (ytd only)* | 34.1432% | 1,643 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5582% | 1,384 |
| Loan loss allowance to noncurrent loans | 928.2051% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 2,755 |
| Noncurrent loans to loans | 0.1679% | 2,973 |
| Net loans and leases to total assets | 69.8986% | 1,033 |
| Net loans and leases to deposits | 84.5038% | 854 |
| Net loans and leases to core deposits | 90.2042% | 916 |
| Total domestic deposits to total assets | 82.7165% | 3,976 |
| Equity capital to assets | 9.3858% | 2,376 |
| Core capital (leverage) ratio | 9.5163% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $485,408,000 | 1,783 |
| Average earning assets | $441,750,500 | 1,818 |
| Average equity | $45,306,500 | 1,880 |
| Average total loans | $343,700,000 | 1,541 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7616% | 383 |
| Cost of funding earning assets | 0.5799% | 604 |
| Net interest margin | 4.1818% | 504 |
| Noninterest income to average assets | 1.1525% | 796 |
| Noninterest expense to average assets | 2.6945% | 1,651 |
| Loan and lease loss provision to assets | 0.2656% | 330 |
| Net operating income to assets | 1.9816% | 349 |
| Return on assets (ROA) | 1.9816% | 374 |
| Pretax return on assets | 1.9816% | 625 |
| Return on Equity (ROE) | 21.4289% | 242 |
| Retained earnings to average equity (ytd only) | 11.5103% | 618 |
| Net charge-offs to loans | -0.0006% | 3,242 |
| Credit loss provision to net charge-offs | -60,000.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5259% | 3,869 |
| Assets per employee ($millions) | 4.9486% | 3,778 |
| Cash dividends to net income (ytd only)* | 46.2862% | 1,712 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5665% | 1,341 |
| Loan loss allowance to noncurrent loans | 649.0220% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 2,419 |
| Noncurrent loans to loans | 0.2414% | 2,763 |
| Net loans and leases to total assets | 69.4975% | 1,093 |
| Net loans and leases to deposits | 83.2444% | 967 |
| Net loans and leases to core deposits | 90.1678% | 965 |
| Total domestic deposits to total assets | 83.4861% | 3,698 |
| Equity capital to assets | 9.2805% | 3,340 |
| Core capital (leverage) ratio | 9.6543% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $451,806,000 | 1,834 |
| Average earning assets | $409,396,800 | 1,870 |
| Average equity | $41,780,000 | 2,019 |
| Average total loans | $319,024,200 | 1,622 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8374% | 383 |
| Cost of funding earning assets | 0.6234% | 564 |
| Net interest margin | 4.2140% | 528 |
| Noninterest income to average assets | 1.1365% | 881 |
| Noninterest expense to average assets | 2.7736% | 1,399 |
| Loan and lease loss provision to assets | 0.2698% | 319 |
| Net operating income to assets | 1.9048% | 553 |
| Return on assets (ROA) | 1.9048% | 575 |
| Pretax return on assets | 1.9048% | 940 |
| Return on Equity (ROE) | 20.6186% | 384 |
| Retained earnings to average equity (ytd only) | 11.8442% | 869 |
| Net charge-offs to loans | 0.0038% | 2,212 |
| Credit loss provision to net charge-offs | 10,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 806.0000% | 199 |
| Efficiency ratio | 56.0523% | 3,521 |
| Assets per employee ($millions) | 4.5347% | 4,103 |
| Cash dividends to net income (ytd only)* | 42.5559% | 1,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5331% | 1,514 |
| Loan loss allowance to noncurrent loans | 1,298.1818% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,253 |
| Noncurrent loans to loans | 0.1181% | 3,501 |
| Net loans and leases to total assets | 71.5052% | 920 |
| Net loans and leases to deposits | 86.3095% | 811 |
| Net loans and leases to core deposits | 93.9068% | 828 |
| Total domestic deposits to total assets | 82.8474% | 3,745 |
| Equity capital to assets | 9.6647% | 3,228 |
| Core capital (leverage) ratio | 9.6588% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $444,752,750 | 1,873 |
| Average earning assets | $402,297,750 | 1,912 |
| Average equity | $41,088,000 | 2,072 |
| Average total loans | $314,052,750 | 1,677 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7834% | 475 |
| Cost of funding earning assets | 0.6624% | 535 |
| Net interest margin | 4.1210% | 667 |
| Noninterest income to average assets | 1.1187% | 906 |
| Noninterest expense to average assets | 2.7120% | 1,563 |
| Loan and lease loss provision to assets | 0.2707% | 344 |
| Net operating income to assets | 1.8576% | 640 |
| Return on assets (ROA) | 1.8576% | 669 |
| Pretax return on assets | 1.8576% | 1,102 |
| Return on Equity (ROE) | 20.4259% | 421 |
| Retained earnings to average equity (ytd only) | 12.5541% | 804 |
| Net charge-offs to loans | 0.0013% | 2,185 |
| Credit loss provision to net charge-offs | 30,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 2,359.0000% | 38 |
| Efficiency ratio | 56.0298% | 3,536 |
| Assets per employee ($millions) | 4.4498% | 4,138 |
| Cash dividends to net income (ytd only)* | 38.5381% | 1,677 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4774% | 1,663 |
| Loan loss allowance to noncurrent loans | 889.4140% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 3,053 |
| Noncurrent loans to loans | 0.1661% | 3,384 |
| Net loans and leases to total assets | 70.5117% | 1,141 |
| Net loans and leases to deposits | 85.0034% | 988 |
| Net loans and leases to core deposits | 91.5219% | 1,040 |
| Total domestic deposits to total assets | 82.9517% | 3,716 |
| Equity capital to assets | 9.3755% | 3,441 |
| Core capital (leverage) ratio | 9.2335% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $443,359,000 | 1,868 |
| Average earning assets | $400,386,000 | 1,910 |
| Average equity | $40,321,333 | 2,093 |
| Average total loans | $310,067,333 | 1,699 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5970% | 665 |
| Cost of funding earning assets | 0.7022% | 544 |
| Net interest margin | 3.8948% | 994 |
| Noninterest income to average assets | 1.0593% | 1,040 |
| Noninterest expense to average assets | 2.7857% | 1,397 |
| Loan and lease loss provision to assets | 0.2712% | 364 |
| Net operating income to assets | 1.5221% | 1,280 |
| Return on assets (ROA) | 1.5221% | 1,344 |
| Pretax return on assets | 1.5221% | 1,938 |
| Return on Equity (ROE) | 17.0004% | 849 |
| Retained earnings to average equity (ytd only) | 8.7728% | 2,024 |
| Net charge-offs to loans | -0.0131% | 3,789 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8370% | 2,932 |
| Assets per employee ($millions) | 4.9309% | 3,731 |
| Cash dividends to net income (ytd only)* | 48.3967% | 1,149 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4136% | 1,896 |
| Loan loss allowance to noncurrent loans | 1,571.8861% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 3,100 |
| Noncurrent loans to loans | 0.0899% | 3,854 |
| Net loans and leases to total assets | 67.9035% | 1,545 |
| Net loans and leases to deposits | 81.2754% | 1,400 |
| Net loans and leases to core deposits | 92.3481% | 1,094 |
| Total domestic deposits to total assets | 83.5473% | 3,557 |
| Equity capital to assets | 8.8300% | 3,855 |
| Core capital (leverage) ratio | 9.1428% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $442,550,000 | 1,863 |
| Average earning assets | $399,913,500 | 1,902 |
| Average equity | $39,622,500 | 2,102 |
| Average total loans | $305,868,000 | 1,716 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2348% | 314 |
| Cost of funding earning assets | 1.0877% | 421 |
| Net interest margin | 4.1471% | 715 |
| Noninterest income to average assets | 1.0966% | 887 |
| Noninterest expense to average assets | 2.8051% | 1,931 |
| Loan and lease loss provision to assets | 0.2746% | 1,400 |
| Net operating income to assets | 1.7313% | 459 |
| Return on assets (ROA) | 1.7313% | 499 |
| Pretax return on assets | 1.7313% | 801 |
| Return on Equity (ROE) | 21.7954% | 166 |
| Retained earnings to average equity (ytd only) | 10.5191% | 492 |
| Net charge-offs to loans | 0.0663% | 1,834 |
| Credit loss provision to net charge-offs | 561.4973% | 1,163 |
| Earnings coverage of net charge-offs (x) | 41.0160% | 1,364 |
| Efficiency ratio | 58.3062% | 3,685 |
| Assets per employee ($millions) | 4.7412% | 3,673 |
| Cash dividends to net income (ytd only)* | 51.7372% | 1,748 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3723% | 2,099 |
| Loan loss allowance to noncurrent loans | 2,208.0645% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 3,044 |
| Noncurrent loans to loans | 0.0621% | 4,043 |
| Net loans and leases to total assets | 68.4130% | 1,774 |
| Net loans and leases to deposits | 82.0893% | 1,654 |
| Net loans and leases to core deposits | 94.1534% | 1,240 |
| Total domestic deposits to total assets | 83.3398% | 3,317 |
| Equity capital to assets | 9.0828% | 3,986 |
| Core capital (leverage) ratio | 9.5042% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0326% | 2,224 |
| Memoranda: |
| Average total assets | $382,371,000 | 1,919 |
| Average earning assets | $342,477,400 | 1,971 |
| Average equity | $30,373,400 | 2,462 |
| Average total loans | $282,000,800 | 1,765 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3584% | 309 |
| Cost of funding earning assets | 1.1748% | 407 |
| Net interest margin | 4.1836% | 760 |
| Noninterest income to average assets | 1.0988% | 860 |
| Noninterest expense to average assets | 2.9238% | 1,638 |
| Loan and lease loss provision to assets | 0.2702% | 1,504 |
| Net operating income to assets | 1.6507% | 644 |
| Return on assets (ROA) | 1.6507% | 718 |
| Pretax return on assets | 1.6507% | 1,069 |
| Return on Equity (ROE) | 21.6870% | 182 |
| Retained earnings to average equity (ytd only) | 11.8611% | 446 |
| Net charge-offs to loans | 0.0514% | 1,872 |
| Credit loss provision to net charge-offs | 700.9346% | 1,069 |
| Earnings coverage of net charge-offs (x) | 49.8318% | 1,196 |
| Efficiency ratio | 60.3510% | 3,340 |
| Assets per employee ($millions) | 4.7252% | 3,568 |
| Cash dividends to net income (ytd only)* | 45.3077% | 1,699 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3195% | 2,081 |
| Loan loss allowance to noncurrent loans | 1,953.2663% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 3,031 |
| Noncurrent loans to loans | 0.0676% | 4,102 |
| Net loans and leases to total assets | 72.3754% | 1,610 |
| Net loans and leases to deposits | 85.2345% | 1,787 |
| Net loans and leases to core deposits | 98.4119% | 1,278 |
| Total domestic deposits to total assets | 84.9133% | 2,480 |
| Equity capital to assets | 7.3447% | 4,891 |
| Core capital (leverage) ratio | 7.4296% | 4,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5083% | 2,410 |
| Memoranda: |
| Average total assets | $370,100,500 | 1,940 |
| Average earning assets | $331,383,250 | 1,998 |
| Average equity | $28,169,750 | 2,586 |
| Average total loans | $277,681,750 | 1,773 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4665% | 357 |
| Cost of funding earning assets | 1.2610% | 418 |
| Net interest margin | 4.2055% | 910 |
| Noninterest income to average assets | 1.0434% | 910 |
| Noninterest expense to average assets | 2.9873% | 1,606 |
| Loan and lease loss provision to assets | 0.2503% | 1,678 |
| Net operating income to assets | 1.5657% | 818 |
| Return on assets (ROA) | 1.5657% | 887 |
| Pretax return on assets | 1.5657% | 1,308 |
| Return on Equity (ROE) | 20.3054% | 233 |
| Retained earnings to average equity (ytd only) | 11.9885% | 463 |
| Net charge-offs to loans | 0.0279% | 2,157 |
| Credit loss provision to net charge-offs | 1,184.2105% | 706 |
| Earnings coverage of net charge-offs (x) | 85.9211% | 773 |
| Efficiency ratio | 62.1931% | 3,097 |
| Assets per employee ($millions) | 4.5824% | 3,673 |
| Cash dividends to net income (ytd only)* | 40.9591% | 1,910 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2727% | 2,143 |
| Loan loss allowance to noncurrent loans | 592.5446% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 2,426 |
| Noncurrent loans to loans | 0.2148% | 3,611 |
| Net loans and leases to total assets | 71.9677% | 1,709 |
| Net loans and leases to deposits | 86.9262% | 1,668 |
| Net loans and leases to core deposits | 100.7470% | 1,206 |
| Total domestic deposits to total assets | 82.7917% | 3,147 |
| Equity capital to assets | 7.2710% | 4,931 |
| Core capital (leverage) ratio | 7.7405% | 4,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8012% | 2,690 |
| Memoranda: |
| Average total assets | $359,588,000 | 1,962 |
| Average earning assets | $321,483,333 | 2,018 |
| Average equity | $27,726,667 | 2,602 |
| Average total loans | $272,051,000 | 1,782 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7064% | 244 |
| Cost of funding earning assets | 1.4151% | 367 |
| Net interest margin | 4.2912% | 771 |
| Noninterest income to average assets | 1.1287% | 684 |
| Noninterest expense to average assets | 3.3324% | 1,168 |
| Loan and lease loss provision to assets | 0.2629% | 1,187 |
| Net operating income to assets | 1.3636% | 1,073 |
| Return on assets (ROA) | 1.3636% | 1,154 |
| Pretax return on assets | 1.3636% | 1,676 |
| Return on Equity (ROE) | 17.1221% | 323 |
| Retained earnings to average equity (ytd only) | 7.9375% | 1,249 |
| Net charge-offs to loans | 0.0015% | 2,541 |
| Credit loss provision to net charge-offs | 22,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,392.0000% | 33 |
| Efficiency ratio | 67.2008% | 2,788 |
| Assets per employee ($millions) | 4.1409% | 3,732 |
| Cash dividends to net income (ytd only)* | 53.6418% | 1,536 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3037% | 2,133 |
| Loan loss allowance to noncurrent loans | 536.8421% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 2,219 |
| Noncurrent loans to loans | 0.2428% | 3,615 |
| Net loans and leases to total assets | 75.4803% | 1,392 |
| Net loans and leases to deposits | 89.5555% | 1,560 |
| Net loans and leases to core deposits | 106.8593% | 1,010 |
| Total domestic deposits to total assets | 84.2832% | 2,677 |
| Equity capital to assets | 7.9157% | 4,986 |
| Core capital (leverage) ratio | 8.0363% | 4,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5631% | 3,210 |
| Memoranda: |
| Average total assets | $342,338,000 | 1,991 |
| Average earning assets | $305,554,000 | 2,046 |
| Average equity | $27,263,000 | 2,626 |
| Average total loans | $264,440,500 | 1,786 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6838% | 414 |
| Cost of funding earning assets | 1.4566% | 451 |
| Net interest margin | 4.2272% | 1,264 |
| Noninterest income to average assets | 1.1975% | 659 |
| Noninterest expense to average assets | 3.1395% | 1,670 |
| Loan and lease loss provision to assets | 0.2283% | 845 |
| Net operating income to assets | 1.5967% | 843 |
| Return on assets (ROA) | 1.5967% | 896 |
| Pretax return on assets | 1.5967% | 1,492 |
| Return on Equity (ROE) | 19.6504% | 229 |
| Retained earnings to average equity (ytd only) | 9.6106% | 569 |
| Net charge-offs to loans | 0.0192% | 3,039 |
| Credit loss provision to net charge-offs | 1,565.2174% | 231 |
| Earnings coverage of net charge-offs (x) | 125.1304% | 569 |
| Efficiency ratio | 63.2392% | 3,187 |
| Assets per employee ($millions) | 4.1585% | 3,685 |
| Cash dividends to net income (ytd only)* | 51.0921% | 1,977 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2341% | 2,264 |
| Loan loss allowance to noncurrent loans | 525.7699% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 1,938 |
| Noncurrent loans to loans | 0.2347% | 3,607 |
| Net loans and leases to total assets | 77.0756% | 1,248 |
| Net loans and leases to deposits | 92.3260% | 1,326 |
| Net loans and leases to core deposits | 110.8640% | 809 |
| Total domestic deposits to total assets | 83.4819% | 3,028 |
| Equity capital to assets | 8.0134% | 5,056 |
| Core capital (leverage) ratio | 8.0314% | 5,025 |
| Tier 1 risk-based capital ratio | 10.1831% | 5,094 |
| Total risk-based capital ratio | 11.4070% | 5,044 |
| Memoranda: |
| Average total assets | $315,398,000 | 2,069 |
| Average earning assets | $281,059,800 | 2,138 |
| Average equity | $25,628,000 | 2,667 |
| Average total loans | $239,614,000 | 1,891 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6244% | 471 |
| Cost of funding earning assets | 1.4380% | 501 |
| Net interest margin | 4.1864% | 1,404 |
| Noninterest income to average assets | 1.2093% | 629 |
| Noninterest expense to average assets | 3.2675% | 1,335 |
| Loan and lease loss provision to assets | 0.2322% | 729 |
| Net operating income to assets | 1.4381% | 1,358 |
| Return on assets (ROA) | 1.4381% | 1,416 |
| Pretax return on assets | 1.4381% | 2,161 |
| Return on Equity (ROE) | 17.6318% | 425 |
| Retained earnings to average equity (ytd only) | 8.8950% | 1,080 |
| Net charge-offs to loans | 0.0131% | 2,908 |
| Credit loss provision to net charge-offs | 2,347.8261% | 174 |
| Earnings coverage of net charge-offs (x) | 168.8471% | 499 |
| Efficiency ratio | 66.1731% | 2,702 |
| Assets per employee ($millions) | 3.9629% | 3,953 |
| Cash dividends to net income (ytd only)* | 49.5514% | 1,703 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2365% | 2,307 |
| Loan loss allowance to noncurrent loans | 351.9954% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 1,783 |
| Noncurrent loans to loans | 0.3513% | 3,282 |
| Net loans and leases to total assets | 75.8758% | 1,504 |
| Net loans and leases to deposits | 91.0116% | 1,565 |
| Net loans and leases to core deposits | 111.4720% | 871 |
| Total domestic deposits to total assets | 83.3693% | 3,033 |
| Equity capital to assets | 8.0675% | 5,112 |
| Core capital (leverage) ratio | 8.1977% | 5,062 |
| Tier 1 risk-based capital ratio | 10.1463% | 5,166 |
| Total risk-based capital ratio | 11.3410% | 5,111 |
| Memoranda: |
| Average total assets | $310,038,250 | 2,117 |
| Average earning assets | $276,123,250 | 2,182 |
| Average equity | $25,287,000 | 2,708 |
| Average total loans | $233,801,750 | 1,950 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5589% | 508 |
| Cost of funding earning assets | 1.3989% | 537 |
| Net interest margin | 4.1600% | 1,459 |
| Noninterest income to average assets | 1.1676% | 628 |
| Noninterest expense to average assets | 3.3383% | 1,213 |
| Loan and lease loss provision to assets | 0.2360% | 673 |
| Net operating income to assets | 1.2955% | 1,789 |
| Return on assets (ROA) | 1.2955% | 1,849 |
| Pretax return on assets | 1.2955% | 2,575 |
| Return on Equity (ROE) | 15.8223% | 621 |
| Retained earnings to average equity (ytd only) | 8.0553% | 1,369 |
| Net charge-offs to loans | 0.0298% | 2,262 |
| Credit loss provision to net charge-offs | 1,058.8235% | 328 |
| Earnings coverage of net charge-offs (x) | 68.7059% | 904 |
| Efficiency ratio | 68.5514% | 2,439 |
| Assets per employee ($millions) | 3.9825% | 3,883 |
| Cash dividends to net income (ytd only)* | 49.0891% | 1,848 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2113% | 2,466 |
| Loan loss allowance to noncurrent loans | 789.1008% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 2,156 |
| Noncurrent loans to loans | 0.1535% | 3,993 |
| Net loans and leases to total assets | 74.1334% | 1,866 |
| Net loans and leases to deposits | 89.4337% | 1,810 |
| Net loans and leases to core deposits | 108.5203% | 1,064 |
| Total domestic deposits to total assets | 82.8920% | 3,243 |
| Equity capital to assets | 8.0151% | 5,172 |
| Core capital (leverage) ratio | 8.1577% | 5,124 |
| Tier 1 risk-based capital ratio | 10.3584% | 5,152 |
| Total risk-based capital ratio | 11.5332% | 5,097 |
| Memoranda: |
| Average total assets | $305,064,330 | 2,159 |
| Average earning assets | $271,491,670 | 2,219 |
| Average equity | $24,977,330 | 2,727 |
| Average total loans | $228,518,000 | 1,991 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4840% | 536 |
| Cost of funding earning assets | 1.3209% | 615 |
| Net interest margin | 4.1632% | 1,393 |
| Noninterest income to average assets | 1.0057% | 798 |
| Noninterest expense to average assets | 3.2236% | 1,441 |
| Loan and lease loss provision to assets | 0.2414% | 615 |
| Net operating income to assets | 1.2431% | 1,914 |
| Return on assets (ROA) | 1.2431% | 1,959 |
| Pretax return on assets | 1.2431% | 2,654 |
| Return on Equity (ROE) | 15.0134% | 748 |
| Retained earnings to average equity (ytd only) | 5.4741% | 2,707 |
| Net charge-offs to loans | -0.0090% | 4,190 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4705% | 2,571 |
| Assets per employee ($millions) | 3.9638% | 3,978 |
| Cash dividends to net income (ytd only)* | 63.5383% | 1,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2124% | 2,509 |
| Loan loss allowance to noncurrent loans | 2,649.0385% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 1,651 |
| Noncurrent loans to loans | 0.0458% | 4,556 |
| Net loans and leases to total assets | 72.6040% | 2,060 |
| Net loans and leases to deposits | 87.5709% | 1,928 |
| Net loans and leases to core deposits | 106.4675% | 1,142 |
| Total domestic deposits to total assets | 82.9088% | 3,418 |
| Equity capital to assets | 8.0430% | 5,167 |
| Core capital (leverage) ratio | 8.4200% | 5,050 |
| Tier 1 risk-based capital ratio | 10.2945% | 5,224 |
| Total risk-based capital ratio | 11.4350% | 5,197 |
| Memoranda: |
| Average total assets | $298,296,500 | 2,205 |
| Average earning assets | $265,278,500 | 2,281 |
| Average equity | $24,698,000 | 2,745 |
| Average total loans | $223,234,500 | 2,040 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3506% | 535 |
| Cost of funding earning assets | 0.9690% | 847 |
| Net interest margin | 4.3816% | 982 |
| Noninterest income to average assets | 1.1377% | 709 |
| Noninterest expense to average assets | 3.3434% | 1,234 |
| Loan and lease loss provision to assets | 0.2904% | 560 |
| Net operating income to assets | 1.4057% | 1,412 |
| Return on assets (ROA) | 1.4057% | 1,400 |
| Pretax return on assets | 1.4057% | 2,116 |
| Return on Equity (ROE) | 15.9246% | 648 |
| Retained earnings to average equity (ytd only) | 7.3803% | 1,509 |
| Net charge-offs to loans | 0.1568% | 1,224 |
| Credit loss provision to net charge-offs | 251.6129% | 1,182 |
| Earnings coverage of net charge-offs (x) | 14.6968% | 2,365 |
| Efficiency ratio | 66.3441% | 2,814 |
| Assets per employee ($millions) | 3.6848% | 4,342 |
| Cash dividends to net income (ytd only)* | 53.6547% | 1,786 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1722% | 2,712 |
| Loan loss allowance to noncurrent loans | 2,920.4545% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 1,552 |
| Noncurrent loans to loans | 0.0401% | 4,577 |
| Net loans and leases to total assets | 75.3852% | 1,712 |
| Net loans and leases to deposits | 92.0437% | 1,551 |
| Net loans and leases to core deposits | 113.3887% | 806 |
| Total domestic deposits to total assets | 81.9016% | 3,669 |
| Equity capital to assets | 8.5343% | 4,909 |
| Core capital (leverage) ratio | 8.6845% | 4,894 |
| Tier 1 risk-based capital ratio | 10.6925% | 5,112 |
| Total risk-based capital ratio | 11.8128% | 5,052 |
| Memoranda: |
| Average total assets | $268,619,400 | 2,346 |
| Average earning assets | $239,205,800 | 2,419 |
| Average equity | $23,711,800 | 2,754 |
| Average total loans | $197,674,400 | 2,188 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2701% | 547 |
| Cost of funding earning assets | 0.8814% | 998 |
| Net interest margin | 4.3887% | 925 |
| Noninterest income to average assets | 1.1432% | 720 |
| Noninterest expense to average assets | 3.3403% | 1,222 |
| Loan and lease loss provision to assets | 0.2021% | 861 |
| Net operating income to assets | 1.5125% | 1,166 |
| Return on assets (ROA) | 1.5125% | 1,160 |
| Pretax return on assets | 1.5125% | 1,860 |
| Return on Equity (ROE) | 16.9814% | 542 |
| Retained earnings to average equity (ytd only) | 8.5984% | 1,377 |
| Net charge-offs to loans | 0.0243% | 2,646 |
| Credit loss provision to net charge-offs | 1,142.8571% | 363 |
| Earnings coverage of net charge-offs (x) | 96.9621% | 773 |
| Efficiency ratio | 66.0804% | 2,858 |
| Assets per employee ($millions) | 3.5514% | 4,492 |
| Cash dividends to net income (ytd only)* | 49.3655% | 1,609 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1853% | 2,711 |
| Loan loss allowance to noncurrent loans | 173.7139% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 1,034 |
| Noncurrent loans to loans | 0.6823% | 2,375 |
| Net loans and leases to total assets | 74.1846% | 1,948 |
| Net loans and leases to deposits | 90.0621% | 1,889 |
| Net loans and leases to core deposits | 108.0032% | 1,170 |
| Total domestic deposits to total assets | 82.3705% | 3,498 |
| Equity capital to assets | 8.7703% | 4,737 |
| Core capital (leverage) ratio | 8.8986% | 4,802 |
| Tier 1 risk-based capital ratio | 11.0267% | 5,025 |
| Total risk-based capital ratio | 12.1455% | 4,988 |
| Memoranda: |
| Average total assets | $263,920,000 | 2,391 |
| Average earning assets | $235,235,250 | 2,463 |
| Average equity | $23,507,500 | 2,785 |
| Average total loans | $192,283,000 | 2,239 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2016% | 555 |
| Cost of funding earning assets | 0.8139% | 1,068 |
| Net interest margin | 4.3877% | 873 |
| Noninterest income to average assets | 1.1235% | 760 |
| Noninterest expense to average assets | 3.4235% | 1,106 |
| Loan and lease loss provision to assets | 0.1849% | 970 |
| Net operating income to assets | 1.4278% | 1,346 |
| Return on assets (ROA) | 1.4278% | 1,345 |
| Pretax return on assets | 1.4278% | 2,059 |
| Return on Equity (ROE) | 15.9432% | 686 |
| Retained earnings to average equity (ytd only) | 8.6212% | 1,350 |
| Net charge-offs to loans | 0.0310% | 2,237 |
| Credit loss provision to net charge-offs | 827.5862% | 487 |
| Earnings coverage of net charge-offs (x) | 72.1724% | 888 |
| Efficiency ratio | 67.9774% | 2,648 |
| Assets per employee ($millions) | 3.8271% | 4,170 |
| Cash dividends to net income (ytd only)* | 45.9255% | 1,853 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1607% | 2,931 |
| Loan loss allowance to noncurrent loans | 141.2592% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 1,011 |
| Noncurrent loans to loans | 0.8217% | 2,081 |
| Net loans and leases to total assets | 73.4589% | 2,046 |
| Net loans and leases to deposits | 88.1989% | 2,086 |
| Net loans and leases to core deposits | 103.2969% | 1,454 |
| Total domestic deposits to total assets | 83.2878% | 3,333 |
| Equity capital to assets | 8.8774% | 4,665 |
| Core capital (leverage) ratio | 9.1535% | 4,514 |
| Tier 1 risk-based capital ratio | 11.3886% | 4,845 |
| Total risk-based capital ratio | 12.4953% | 4,826 |
| Memoranda: |
| Average total assets | $259,555,670 | 2,426 |
| Average earning assets | $231,467,330 | 2,500 |
| Average equity | $23,245,000 | 2,818 |
| Average total loans | $187,055,330 | 2,287 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1100% | 575 |
| Cost of funding earning assets | 0.7911% | 985 |
| Net interest margin | 4.3189% | 922 |
| Noninterest income to average assets | 1.0729% | 801 |
| Noninterest expense to average assets | 3.3800% | 1,193 |
| Loan and lease loss provision to assets | 0.1880% | 901 |
| Net operating income to assets | 1.3611% | 1,449 |
| Return on assets (ROA) | 1.3611% | 1,461 |
| Pretax return on assets | 1.3611% | 2,144 |
| Return on Equity (ROE) | 15.1285% | 781 |
| Retained earnings to average equity (ytd only) | 6.8418% | 2,347 |
| Net charge-offs to loans | 0.0376% | 1,767 |
| Credit loss provision to net charge-offs | 705.8824% | 470 |
| Earnings coverage of net charge-offs (x) | 58.1765% | 858 |
| Efficiency ratio | 68.5732% | 2,736 |
| Assets per employee ($millions) | 3.5604% | 4,597 |
| Cash dividends to net income (ytd only)* | 54.7756% | 1,399 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1922% | 2,853 |
| Loan loss allowance to noncurrent loans | 134.5754% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4166% | 1,013 |
| Noncurrent loans to loans | 0.8859% | 2,059 |
| Net loans and leases to total assets | 70.2506% | 2,434 |
| Net loans and leases to deposits | 84.8253% | 2,308 |
| Net loans and leases to core deposits | 97.8862% | 1,840 |
| Total domestic deposits to total assets | 82.8180% | 3,719 |
| Equity capital to assets | 8.9157% | 4,642 |
| Core capital (leverage) ratio | 9.1636% | 4,487 |
| Tier 1 risk-based capital ratio | 11.6233% | 4,788 |
| Total risk-based capital ratio | 12.7283% | 4,770 |
| Memoranda: |
| Average total assets | $255,386,500 | 2,482 |
| Average earning assets | $228,023,500 | 2,550 |
| Average equity | $22,976,500 | 2,866 |
| Average total loans | $181,031,500 | 2,352 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0975% | 536 |
| Cost of funding earning assets | 0.6825% | 1,121 |
| Net interest margin | 4.4150% | 737 |
| Noninterest income to average assets | 1.0383% | 942 |
| Noninterest expense to average assets | 3.8343% | 669 |
| Loan and lease loss provision to assets | 0.1557% | 1,447 |
| Net operating income to assets | 0.9548% | 2,423 |
| Return on assets (ROA) | 0.9548% | 2,458 |
| Pretax return on assets | 0.9548% | 3,717 |
| Return on Equity (ROE) | 9.8852% | 1,940 |
| Retained earnings to average equity (ytd only) | 4.0445% | 2,755 |
| Net charge-offs to loans | 0.0574% | 2,661 |
| Credit loss provision to net charge-offs | 387.0968% | 781 |
| Earnings coverage of net charge-offs (x) | 27.6022% | 1,632 |
| Efficiency ratio | 77.5416% | 1,421 |
| Assets per employee ($millions) | 3.4365% | 4,782 |
| Cash dividends to net income (ytd only)* | 59.0847% | 1,797 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1846% | 2,870 |
| Loan loss allowance to noncurrent loans | 196.2617% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.5176% | 895 |
| Noncurrent loans to loans | 0.6036% | 2,723 |
| Net loans and leases to total assets | 69.8276% | 2,543 |
| Net loans and leases to deposits | 84.9726% | 2,378 |
| Net loans and leases to core deposits | 99.3996% | 1,761 |
| Total domestic deposits to total assets | 82.1767% | 3,824 |
| Equity capital to assets | 9.0807% | 4,640 |
| Core capital (leverage) ratio | 9.4473% | 4,105 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,045 |
| Total risk-based capital ratio | 12.2125% | 5,049 |
| Memoranda: |
| Average total assets | $231,150,200 | 2,633 |
| Average earning assets | $204,532,000 | 2,727 |
| Average equity | $22,326,400 | 2,919 |
| Average total loans | $161,923,600 | 2,524 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1006% | 504 |
| Cost of funding earning assets | 0.6553% | 1,201 |
| Net interest margin | 4.4453% | 672 |
| Noninterest income to average assets | 1.0332% | 956 |
| Noninterest expense to average assets | 3.9317% | 566 |
| Loan and lease loss provision to assets | 0.1591% | 1,292 |
| Net operating income to assets | 0.8682% | 3,186 |
| Return on assets (ROA) | 0.8682% | 3,232 |
| Pretax return on assets | 0.8682% | 4,145 |
| Return on Equity (ROE) | 8.8414% | 2,704 |
| Retained earnings to average equity (ytd only) | 4.3637% | 3,305 |
| Net charge-offs to loans | 0.0590% | 2,279 |
| Credit loss provision to net charge-offs | 385.7143% | 794 |
| Earnings coverage of net charge-offs (x) | 24.9002% | 1,753 |
| Efficiency ratio | 79.2845% | 1,180 |
| Assets per employee ($millions) | 3.2195% | 5,047 |
| Cash dividends to net income (ytd only)* | 50.6449% | 1,735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1931% | 2,967 |
| Loan loss allowance to noncurrent loans | 872.1030% | 662 |
| Noncurrent assets plus other real estate owned to assets | 1.2709% | 1,273 |
| Noncurrent loans to loans | 0.1368% | 4,509 |
| Net loans and leases to total assets | 71.6036% | 2,317 |
| Net loans and leases to deposits | 88.0400% | 2,058 |
| Net loans and leases to core deposits | 102.8348% | 1,478 |
| Total domestic deposits to total assets | 81.3308% | 3,963 |
| Equity capital to assets | 9.6174% | 4,326 |
| Core capital (leverage) ratio | 9.7823% | 3,843 |
| Tier 1 risk-based capital ratio | 12.3169% | 4,427 |
| Total risk-based capital ratio | 13.4242% | 4,411 |
| Memoranda: |
| Average total assets | $226,222,250 | 2,695 |
| Average earning assets | $199,786,750 | 2,797 |
| Average equity | $22,213,000 | 2,953 |
| Average total loans | $158,086,750 | 2,589 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0075% | 553 |
| Cost of funding earning assets | 0.6292% | 1,273 |
| Net interest margin | 4.3783% | 727 |
| Noninterest income to average assets | 1.0095% | 1,001 |
| Noninterest expense to average assets | 4.0262% | 510 |
| Loan and lease loss provision to assets | 0.1612% | 1,240 |
| Net operating income to assets | 0.6861% | 3,908 |
| Return on assets (ROA) | 0.6861% | 3,970 |
| Pretax return on assets | 0.6861% | 4,589 |
| Return on Equity (ROE) | 6.9375% | 3,584 |
| Retained earnings to average equity (ytd only) | 3.4234% | 3,674 |
| Net charge-offs to loans | 0.0792% | 1,831 |
| Credit loss provision to net charge-offs | 295.0820% | 968 |
| Earnings coverage of net charge-offs (x) | 15.5082% | 2,024 |
| Efficiency ratio | 82.6135% | 949 |
| Assets per employee ($millions) | 3.2564% | 5,027 |
| Cash dividends to net income (ytd only)* | 50.6527% | 1,833 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2338% | 2,802 |
| Loan loss allowance to noncurrent loans | 848.6957% | 650 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 863 |
| Noncurrent loans to loans | 0.1454% | 4,536 |
| Net loans and leases to total assets | 67.5852% | 2,865 |
| Net loans and leases to deposits | 81.2554% | 2,770 |
| Net loans and leases to core deposits | 98.2075% | 1,785 |
| Total domestic deposits to total assets | 83.1763% | 3,515 |
| Equity capital to assets | 9.6257% | 4,286 |
| Core capital (leverage) ratio | 9.9007% | 3,655 |
| Tier 1 risk-based capital ratio | 13.3510% | 3,776 |
| Total risk-based capital ratio | 14.5220% | 3,738 |
| Memoranda: |
| Average total assets | $223,288,670 | 2,733 |
| Average earning assets | $197,063,330 | 2,840 |
| Average equity | $22,083,000 | 2,964 |
| Average total loans | $154,010,000 | 2,640 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9678% | 553 |
| Cost of funding earning assets | 0.6094% | 1,308 |
| Net interest margin | 4.3584% | 690 |
| Noninterest income to average assets | 0.9885% | 1,025 |
| Noninterest expense to average assets | 3.6803% | 799 |
| Loan and lease loss provision to assets | 0.1641% | 1,094 |
| Net operating income to assets | 0.9921% | 2,339 |
| Return on assets (ROA) | 0.9921% | 2,392 |
| Pretax return on assets | 0.9921% | 3,402 |
| Return on Equity (ROE) | 9.8923% | 2,008 |
| Retained earnings to average equity (ytd only) | 4.3460% | 3,251 |
| Net charge-offs to loans | -0.0342% | 4,993 |
| Credit loss provision to net charge-offs | -692.3077% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0935% | 1,890 |
| Assets per employee ($millions) | 3.3316% | 5,017 |
| Cash dividends to net income (ytd only)* | 56.0662% | 1,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2372% | 2,904 |
| Loan loss allowance to noncurrent loans | 78.2222% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.8255% | 370 |
| Noncurrent loans to loans | 1.5817% | 1,233 |
| Net loans and leases to total assets | 69.2353% | 2,500 |
| Net loans and leases to deposits | 85.2540% | 2,119 |
| Net loans and leases to core deposits | 105.1598% | 1,153 |
| Total domestic deposits to total assets | 81.2107% | 4,365 |
| Equity capital to assets | 9.9083% | 3,863 |
| Core capital (leverage) ratio | 10.1415% | 3,324 |
| Tier 1 risk-based capital ratio | 13.0172% | 4,071 |
| Total risk-based capital ratio | 14.1567% | 4,040 |
| Memoranda: |
| Average total assets | $219,331,500 | 2,798 |
| Average earning assets | $193,647,000 | 2,890 |
| Average equity | $21,997,000 | 2,981 |
| Average total loans | $151,909,500 | 2,673 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1531% | 448 |
| Cost of funding earning assets | 0.5863% | 1,445 |
| Net interest margin | 4.5668% | 534 |
| Noninterest income to average assets | 0.9510% | 1,258 |
| Noninterest expense to average assets | 3.4133% | 1,324 |
| Loan and lease loss provision to assets | 0.1187% | 2,088 |
| Net operating income to assets | 1.4673% | 891 |
| Return on assets (ROA) | 1.4673% | 913 |
| Pretax return on assets | 1.4673% | 1,692 |
| Return on Equity (ROE) | 14.1283% | 753 |
| Retained earnings to average equity (ytd only) | 7.8618% | 896 |
| Net charge-offs to loans | 0.2793% | 985 |
| Credit loss provision to net charge-offs | 62.0155% | 3,219 |
| Earnings coverage of net charge-offs (x) | 8.2868% | 2,888 |
| Efficiency ratio | 68.2758% | 3,191 |
| Assets per employee ($millions) | 3.5319% | 4,714 |
| Cash dividends to net income (ytd only)* | 44.3546% | 2,634 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2441% | 2,855 |
| Loan loss allowance to noncurrent loans | 66.9467% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 3.0319% | 331 |
| Noncurrent loans to loans | 1.8583% | 1,007 |
| Net loans and leases to total assets | 67.5366% | 2,847 |
| Net loans and leases to deposits | 82.2355% | 2,639 |
| Net loans and leases to core deposits | 101.7020% | 1,466 |
| Total domestic deposits to total assets | 82.1259% | 4,039 |
| Equity capital to assets | 10.1543% | 3,543 |
| Core capital (leverage) ratio | 10.5154% | 2,865 |
| Tier 1 risk-based capital ratio | 13.5566% | 3,736 |
| Total risk-based capital ratio | 14.6925% | 3,704 |
| Memoranda: |
| Average total assets | $202,211,800 | 2,934 |
| Average earning assets | $179,251,400 | 3,025 |
| Average equity | $21,000,400 | 3,066 |
| Average total loans | $138,556,600 | 2,799 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2285% | 407 |
| Cost of funding earning assets | 0.5861% | 1,441 |
| Net interest margin | 4.6424% | 473 |
| Noninterest income to average assets | 0.9626% | 1,231 |
| Noninterest expense to average assets | 3.4321% | 1,281 |
| Loan and lease loss provision to assets | 0.1207% | 1,924 |
| Net operating income to assets | 1.5250% | 839 |
| Return on assets (ROA) | 1.5250% | 887 |
| Pretax return on assets | 1.5250% | 1,633 |
| Return on Equity (ROE) | 14.5961% | 719 |
| Retained earnings to average equity (ytd only) | 9.6752% | 647 |
| Net charge-offs to loans | 0.1408% | 1,586 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 17.0482% | 2,077 |
| Efficiency ratio | 67.5908% | 3,302 |
| Assets per employee ($millions) | 3.4247% | 4,876 |
| Cash dividends to net income (ytd only)* | 33.7142% | 2,655 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4141% | 2,140 |
| Loan loss allowance to noncurrent loans | 70.0243% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 3.1132% | 357 |
| Noncurrent loans to loans | 2.0194% | 967 |
| Net loans and leases to total assets | 68.4016% | 2,741 |
| Net loans and leases to deposits | 83.8742% | 2,500 |
| Net loans and leases to core deposits | 104.3762% | 1,315 |
| Total domestic deposits to total assets | 81.5526% | 4,093 |
| Equity capital to assets | 10.5766% | 3,481 |
| Core capital (leverage) ratio | 10.7848% | 2,702 |
| Tier 1 risk-based capital ratio | 14.0639% | 3,525 |
| Total risk-based capital ratio | 15.3148% | 3,447 |
| Memoranda: |
| Average total assets | $198,903,250 | 2,977 |
| Average earning assets | $176,313,000 | 3,061 |
| Average equity | $20,781,250 | 3,114 |
| Average total loans | $136,361,250 | 2,830 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2985% | 366 |
| Cost of funding earning assets | 0.5836% | 1,442 |
| Net interest margin | 4.7148% | 416 |
| Noninterest income to average assets | 0.9659% | 1,203 |
| Noninterest expense to average assets | 3.5148% | 1,142 |
| Loan and lease loss provision to assets | 0.1220% | 1,875 |
| Net operating income to assets | 1.5098% | 874 |
| Return on assets (ROA) | 1.5098% | 920 |
| Pretax return on assets | 1.5098% | 1,641 |
| Return on Equity (ROE) | 14.5133% | 742 |
| Retained earnings to average equity (ytd only) | 12.0602% | 316 |
| Net charge-offs to loans | 0.1728% | 1,306 |
| Credit loss provision to net charge-offs | 103.4483% | 2,043 |
| Earnings coverage of net charge-offs (x) | 13.8362% | 2,095 |
| Efficiency ratio | 68.2932% | 3,278 |
| Assets per employee ($millions) | 3.6797% | 4,476 |
| Cash dividends to net income (ytd only)* | 16.9024% | 3,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4192% | 2,209 |
| Loan loss allowance to noncurrent loans | 259.0078% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 2.2324% | 678 |
| Noncurrent loans to loans | 0.5479% | 3,425 |
| Net loans and leases to total assets | 68.0963% | 2,762 |
| Net loans and leases to deposits | 87.4378% | 2,075 |
| Net loans and leases to core deposits | 104.7274% | 1,267 |
| Total domestic deposits to total assets | 77.8797% | 5,024 |
| Equity capital to assets | 10.6036% | 3,527 |
| Core capital (leverage) ratio | 10.8470% | 2,597 |
| Tier 1 risk-based capital ratio | 13.0106% | 4,193 |
| Total risk-based capital ratio | 14.2134% | 4,132 |
| Memoranda: |
| Average total assets | $196,710,330 | 3,019 |
| Average earning assets | $174,428,000 | 3,092 |
| Average equity | $20,464,000 | 3,147 |
| Average total loans | $134,292,000 | 2,863 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1444% | 458 |
| Cost of funding earning assets | 0.5683% | 1,554 |
| Net interest margin | 4.5761% | 525 |
| Noninterest income to average assets | 0.8913% | 1,335 |
| Noninterest expense to average assets | 3.4827% | 1,214 |
| Loan and lease loss provision to assets | 0.1238% | 1,706 |
| Net operating income to assets | 1.3720% | 1,093 |
| Return on assets (ROA) | 1.3720% | 1,154 |
| Pretax return on assets | 1.3720% | 1,993 |
| Return on Equity (ROE) | 13.3226% | 964 |
| Retained earnings to average equity (ytd only) | 12.9420% | 397 |
| Net charge-offs to loans | 1.6333% | 101 |
| Credit loss provision to net charge-offs | 11.0294% | 2,359 |
| Earnings coverage of net charge-offs (x) | 1.3327% | 2,835 |
| Efficiency ratio | 69.9544% | 3,139 |
| Assets per employee ($millions) | 3.5392% | 4,762 |
| Cash dividends to net income (ytd only)* | 2.8571% | 2,836 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4299% | 2,286 |
| Loan loss allowance to noncurrent loans | 298.9130% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 2.2013% | 746 |
| Noncurrent loans to loans | 0.4784% | 3,747 |
| Net loans and leases to total assets | 68.1719% | 2,626 |
| Net loans and leases to deposits | 85.5452% | 2,115 |
| Net loans and leases to core deposits | 100.7455% | 1,423 |
| Total domestic deposits to total assets | 79.6910% | 4,820 |
| Equity capital to assets | 10.4229% | 3,586 |
| Core capital (leverage) ratio | 10.5677% | 2,888 |
| Tier 1 risk-based capital ratio | 13.0135% | 4,262 |
| Total risk-based capital ratio | 14.2482% | 4,184 |
| Memoranda: |
| Average total assets | $193,874,000 | 3,058 |
| Average earning assets | $173,159,500 | 3,119 |
| Average equity | $19,966,000 | 3,203 |
| Average total loans | $133,226,500 | 2,884 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2240% | 414 |
| Cost of funding earning assets | 0.5323% | 1,906 |
| Net interest margin | 4.6918% | 452 |
| Noninterest income to average assets | 0.9865% | 1,212 |
| Noninterest expense to average assets | 3.3315% | 1,645 |
| Loan and lease loss provision to assets | 0.1351% | 1,767 |
| Net operating income to assets | 1.7513% | 529 |
| Return on assets (ROA) | 1.7513% | 547 |
| Pretax return on assets | 1.7513% | 889 |
| Return on Equity (ROE) | 16.4637% | 512 |
| Retained earnings to average equity (ytd only) | 8.1578% | 863 |
| Net charge-offs to loans | 0.0708% | 2,828 |
| Credit loss provision to net charge-offs | 275.8621% | 1,053 |
| Earnings coverage of net charge-offs (x) | 38.5287% | 1,213 |
| Efficiency ratio | 63.8481% | 4,303 |
| Assets per employee ($millions) | 3.4480% | 4,908 |
| Cash dividends to net income (ytd only)* | 50.4499% | 2,271 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8274% | 1,086 |
| Loan loss allowance to noncurrent loans | 52.6788% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.7272% | 532 |
| Noncurrent loans to loans | 3.4690% | 409 |
| Net loans and leases to total assets | 67.0242% | 2,852 |
| Net loans and leases to deposits | 83.5239% | 2,414 |
| Net loans and leases to core deposits | 98.6335% | 1,622 |
| Total domestic deposits to total assets | 80.2455% | 4,691 |
| Equity capital to assets | 10.1730% | 3,778 |
| Core capital (leverage) ratio | 10.5265% | 2,900 |
| Tier 1 risk-based capital ratio | 13.7289% | 3,870 |
| Total risk-based capital ratio | 14.9841% | 3,798 |
| Memoranda: |
| Average total assets | $177,696,600 | 3,204 |
| Average earning assets | $160,259,000 | 3,252 |
| Average equity | $18,902,200 | 3,270 |
| Average total loans | $122,892,600 | 3,009 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3235% | 362 |
| Cost of funding earning assets | 0.5254% | 1,997 |
| Net interest margin | 4.7981% | 381 |
| Noninterest income to average assets | 0.9341% | 1,361 |
| Noninterest expense to average assets | 3.2917% | 1,709 |
| Loan and lease loss provision to assets | 0.1380% | 1,612 |
| Net operating income to assets | 1.8330% | 485 |
| Return on assets (ROA) | 1.8330% | 506 |
| Pretax return on assets | 1.8330% | 835 |
| Return on Equity (ROE) | 17.0251% | 464 |
| Retained earnings to average equity (ytd only) | 9.0183% | 895 |
| Net charge-offs to loans | 0.0917% | 2,251 |
| Credit loss provision to net charge-offs | 216.8675% | 1,253 |
| Earnings coverage of net charge-offs (x) | 30.9649% | 1,463 |
| Efficiency ratio | 62.5474% | 4,484 |
| Assets per employee ($millions) | 3.3939% | 4,997 |
| Cash dividends to net income (ytd only)* | 47.0293% | 2,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8546% | 1,164 |
| Loan loss allowance to noncurrent loans | 59.9490% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 2.5596% | 658 |
| Noncurrent loans to loans | 3.0935% | 557 |
| Net loans and leases to total assets | 67.9460% | 2,685 |
| Net loans and leases to deposits | 84.3367% | 2,367 |
| Net loans and leases to core deposits | 100.2891% | 1,487 |
| Total domestic deposits to total assets | 80.5652% | 4,590 |
| Equity capital to assets | 10.5675% | 3,524 |
| Core capital (leverage) ratio | 10.8709% | 2,617 |
| Tier 1 risk-based capital ratio | 16.1996% | 2,715 |
| Total risk-based capital ratio | 17.4585% | 2,667 |
| Memoranda: |
| Average total assets | $173,848,250 | 3,278 |
| Average earning assets | $156,836,000 | 3,335 |
| Average equity | $18,717,000 | 3,316 |
| Average total loans | $120,659,250 | 3,061 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2629% | 385 |
| Cost of funding earning assets | 0.5124% | 2,140 |
| Net interest margin | 4.7505% | 404 |
| Noninterest income to average assets | 0.9021% | 1,436 |
| Noninterest expense to average assets | 3.3179% | 1,649 |
| Loan and lease loss provision to assets | 0.1406% | 1,550 |
| Net operating income to assets | 1.7340% | 591 |
| Return on assets (ROA) | 1.7340% | 618 |
| Pretax return on assets | 1.7340% | 1,015 |
| Return on Equity (ROE) | 15.9997% | 610 |
| Retained earnings to average equity (ytd only) | 8.7566% | 1,007 |
| Net charge-offs to loans | 0.1181% | 1,827 |
| Credit loss provision to net charge-offs | 171.4286% | 1,395 |
| Earnings coverage of net charge-offs (x) | 22.8571% | 1,629 |
| Efficiency ratio | 63.8989% | 4,376 |
| Assets per employee ($millions) | 3.4471% | 4,898 |
| Cash dividends to net income (ytd only)* | 45.2703% | 2,150 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8887% | 1,188 |
| Loan loss allowance to noncurrent loans | 50.9726% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 3.0432% | 549 |
| Noncurrent loans to loans | 3.7053% | 461 |
| Net loans and leases to total assets | 68.1405% | 2,621 |
| Net loans and leases to deposits | 86.5342% | 2,000 |
| Net loans and leases to core deposits | 101.7610% | 1,347 |
| Total domestic deposits to total assets | 78.7440% | 5,150 |
| Equity capital to assets | 10.7571% | 3,158 |
| Core capital (leverage) ratio | 11.0092% | 2,411 |
| Tier 1 risk-based capital ratio | 14.6906% | 3,535 |
| Total risk-based capital ratio | 15.9475% | 3,459 |
| Memoranda: |
| Average total assets | $170,708,000 | 3,336 |
| Average earning assets | $154,174,330 | 3,386 |
| Average equity | $18,500,330 | 3,361 |
| Average total loans | $118,586,670 | 3,110 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3324% | 333 |
| Cost of funding earning assets | 0.4953% | 2,335 |
| Net interest margin | 4.8371% | 325 |
| Noninterest income to average assets | 0.8563% | 1,540 |
| Noninterest expense to average assets | 3.2374% | 1,883 |
| Loan and lease loss provision to assets | 0.1427% | 1,432 |
| Net operating income to assets | 1.8435% | 448 |
| Return on assets (ROA) | 1.8435% | 475 |
| Pretax return on assets | 1.8435% | 804 |
| Return on Equity (ROE) | 16.9445% | 477 |
| Retained earnings to average equity (ytd only) | 8.4832% | 1,382 |
| Net charge-offs to loans | 0.2362% | 1,008 |
| Credit loss provision to net charge-offs | 86.9565% | 1,767 |
| Earnings coverage of net charge-offs (x) | 12.1014% | 1,818 |
| Efficiency ratio | 61.9763% | 4,802 |
| Assets per employee ($millions) | 3.4542% | 4,978 |
| Cash dividends to net income (ytd only)* | 49.9355% | 1,740 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9059% | 1,272 |
| Loan loss allowance to noncurrent loans | 161.8876% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 2,030 |
| Noncurrent loans to loans | 1.1773% | 2,423 |
| Net loans and leases to total assets | 68.3265% | 2,392 |
| Net loans and leases to deposits | 83.4817% | 2,147 |
| Net loans and leases to core deposits | 100.7246% | 1,272 |
| Total domestic deposits to total assets | 81.8461% | 4,554 |
| Equity capital to assets | 10.9236% | 3,059 |
| Core capital (leverage) ratio | 11.1139% | 2,304 |
| Tier 1 risk-based capital ratio | 15.0559% | 3,401 |
| Total risk-based capital ratio | 16.3133% | 3,320 |
| Memoranda: |
| Average total assets | $168,162,000 | 3,399 |
| Average earning assets | $151,827,500 | 3,434 |
| Average equity | $18,295,000 | 3,408 |
| Average total loans | $116,831,500 | 3,148 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3995% | 378 |
| Cost of funding earning assets | 0.5207% | 2,482 |
| Net interest margin | 4.8788% | 371 |
| Noninterest income to average assets | 1.2885% | 735 |
| Noninterest expense to average assets | 3.4123% | 1,675 |
| Loan and lease loss provision to assets | 0.1837% | 1,400 |
| Net operating income to assets | 2.0766% | 287 |
| Return on assets (ROA) | 2.0766% | 294 |
| Pretax return on assets | 2.0766% | 434 |
| Return on Equity (ROE) | 19.5616% | 277 |
| Retained earnings to average equity (ytd only) | 10.1990% | 483 |
| Net charge-offs to loans | 0.0648% | 3,559 |
| Credit loss provision to net charge-offs | 422.5352% | 614 |
| Earnings coverage of net charge-offs (x) | 51.9859% | 903 |
| Efficiency ratio | 60.1533% | 5,201 |
| Assets per employee ($millions) | 3.4805% | 4,934 |
| Cash dividends to net income (ytd only)* | 47.8620% | 2,402 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9487% | 1,205 |
| Loan loss allowance to noncurrent loans | 275.1220% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 2,762 |
| Noncurrent loans to loans | 0.7083% | 3,553 |
| Net loans and leases to total assets | 67.9444% | 2,561 |
| Net loans and leases to deposits | 84.2015% | 2,190 |
| Net loans and leases to core deposits | 102.4329% | 1,214 |
| Total domestic deposits to total assets | 80.6927% | 4,828 |
| Equity capital to assets | 10.8346% | 3,077 |
| Core capital (leverage) ratio | 10.9034% | 2,492 |
| Tier 1 risk-based capital ratio | 14.7166% | 3,651 |
| Total risk-based capital ratio | 15.9736% | 3,578 |
| Memoranda: |
| Average total assets | $163,293,600 | 3,434 |
| Average earning assets | $146,735,800 | 3,498 |
| Average equity | $17,335,000 | 3,482 |
| Average total loans | $109,640,600 | 3,227 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3851% | 390 |
| Cost of funding earning assets | 0.5221% | 2,548 |
| Net interest margin | 4.8630% | 366 |
| Noninterest income to average assets | 1.4125% | 626 |
| Noninterest expense to average assets | 3.3597% | 1,767 |
| Loan and lease loss provision to assets | 0.1971% | 1,216 |
| Net operating income to assets | 2.2231% | 227 |
| Return on assets (ROA) | 2.2231% | 234 |
| Pretax return on assets | 2.2231% | 350 |
| Return on Equity (ROE) | 21.0531% | 230 |
| Retained earnings to average equity (ytd only) | 13.3770% | 290 |
| Net charge-offs to loans | 0.0469% | 3,560 |
| Credit loss provision to net charge-offs | 631.5789% | 469 |
| Earnings coverage of net charge-offs (x) | 77.5457% | 718 |
| Efficiency ratio | 58.1273% | 5,423 |
| Assets per employee ($millions) | 3.5240% | 4,818 |
| Cash dividends to net income (ytd only)* | 36.4611% | 2,519 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9811% | 1,292 |
| Loan loss allowance to noncurrent loans | 139.2255% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 2.0582% | 1,379 |
| Noncurrent loans to loans | 1.4230% | 2,286 |
| Net loans and leases to total assets | 66.5844% | 2,759 |
| Net loans and leases to deposits | 81.6482% | 2,469 |
| Net loans and leases to core deposits | 99.2780% | 1,433 |
| Total domestic deposits to total assets | 81.5503% | 4,645 |
| Equity capital to assets | 10.8997% | 3,070 |
| Core capital (leverage) ratio | 10.8953% | 2,583 |
| Tier 1 risk-based capital ratio | 14.9573% | 3,613 |
| Total risk-based capital ratio | 16.2150% | 3,537 |
| Memoranda: |
| Average total assets | $162,350,500 | 3,486 |
| Average earning assets | $145,805,500 | 3,544 |
| Average equity | $17,143,500 | 3,525 |
| Average total loans | $108,108,750 | 3,285 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3694% | 390 |
| Cost of funding earning assets | 0.5208% | 2,634 |
| Net interest margin | 4.8486% | 378 |
| Noninterest income to average assets | 1.5788% | 502 |
| Noninterest expense to average assets | 3.4839% | 1,508 |
| Loan and lease loss provision to assets | 0.2232% | 1,034 |
| Net operating income to assets | 2.2250% | 220 |
| Return on assets (ROA) | 2.2250% | 230 |
| Pretax return on assets | 2.2250% | 347 |
| Return on Equity (ROE) | 21.3060% | 231 |
| Retained earnings to average equity (ytd only) | 13.8833% | 270 |
| Net charge-offs to loans | 0.0713% | 2,993 |
| Credit loss provision to net charge-offs | 473.6842% | 614 |
| Earnings coverage of net charge-offs (x) | 51.9474% | 888 |
| Efficiency ratio | 58.7288% | 5,467 |
| Assets per employee ($millions) | 3.5108% | 4,823 |
| Cash dividends to net income (ytd only)* | 34.8384% | 2,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0164% | 1,333 |
| Loan loss allowance to noncurrent loans | 106.9527% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3741% | 1,230 |
| Noncurrent loans to loans | 1.8853% | 1,820 |
| Net loans and leases to total assets | 65.2646% | 2,870 |
| Net loans and leases to deposits | 79.8604% | 2,533 |
| Net loans and leases to core deposits | 94.0248% | 1,774 |
| Total domestic deposits to total assets | 81.7233% | 4,742 |
| Equity capital to assets | 10.8375% | 3,043 |
| Core capital (leverage) ratio | 10.7797% | 2,644 |
| Tier 1 risk-based capital ratio | 14.5996% | 3,868 |
| Total risk-based capital ratio | 15.8567% | 3,812 |
| Memoranda: |
| Average total assets | $161,257,670 | 3,520 |
| Average earning assets | $144,783,330 | 3,584 |
| Average equity | $16,840,330 | 3,559 |
| Average total loans | $106,641,000 | 3,320 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3158% | 400 |
| Cost of funding earning assets | 0.5169% | 2,744 |
| Net interest margin | 4.7988% | 379 |
| Noninterest income to average assets | 0.9309% | 1,302 |
| Noninterest expense to average assets | 3.3760% | 1,763 |
| Loan and lease loss provision to assets | 0.2979% | 652 |
| Net operating income to assets | 1.5663% | 712 |
| Return on assets (ROA) | 1.5663% | 742 |
| Pretax return on assets | 1.5663% | 1,248 |
| Return on Equity (ROE) | 15.2882% | 736 |
| Retained earnings to average equity (ytd only) | 8.5527% | 1,400 |
| Net charge-offs to loans | 0.0075% | 3,493 |
| Credit loss provision to net charge-offs | 6,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 375.5000% | 127 |
| Efficiency ratio | 64.4244% | 4,795 |
| Assets per employee ($millions) | 3.5202% | 4,881 |
| Cash dividends to net income (ytd only)* | 44.0571% | 1,862 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0090% | 1,499 |
| Loan loss allowance to noncurrent loans | 139.1051% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 2.0676% | 1,631 |
| Noncurrent loans to loans | 1.4443% | 2,620 |
| Net loans and leases to total assets | 64.6106% | 2,790 |
| Net loans and leases to deposits | 78.0214% | 2,551 |
| Net loans and leases to core deposits | 94.1896% | 1,535 |
| Total domestic deposits to total assets | 82.8114% | 4,667 |
| Equity capital to assets | 10.3046% | 3,464 |
| Core capital (leverage) ratio | 10.3937% | 3,053 |
| Tier 1 risk-based capital ratio | 13.9464% | 4,364 |
| Total risk-based capital ratio | 15.2034% | 4,305 |
| Memoranda: |
| Average total assets | $161,139,000 | 3,546 |
| Average earning assets | $144,701,500 | 3,611 |
| Average equity | $16,509,500 | 3,621 |
| Average total loans | $106,177,500 | 3,338 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4062% | 427 |
| Cost of funding earning assets | 0.5789% | 2,846 |
| Net interest margin | 4.8273% | 408 |
| Noninterest income to average assets | 1.0916% | 1,180 |
| Noninterest expense to average assets | 3.4883% | 1,680 |
| Loan and lease loss provision to assets | 0.3059% | 1,094 |
| Net operating income to assets | 1.5855% | 711 |
| Return on assets (ROA) | 1.5855% | 731 |
| Pretax return on assets | 1.5855% | 1,204 |
| Return on Equity (ROE) | 15.7452% | 652 |
| Retained earnings to average equity (ytd only) | 7.5689% | 1,211 |
| Net charge-offs to loans | 0.1215% | 3,597 |
| Credit loss provision to net charge-offs | 387.0968% | 586 |
| Earnings coverage of net charge-offs (x) | 23.9355% | 1,389 |
| Efficiency ratio | 64.8425% | 4,756 |
| Assets per employee ($millions) | 3.5634% | 4,773 |
| Cash dividends to net income (ytd only)* | 51.9293% | 2,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9197% | 1,737 |
| Loan loss allowance to noncurrent loans | 827.3469% | 608 |
| Noncurrent assets plus other real estate owned to assets | 1.4805% | 2,513 |
| Noncurrent loans to loans | 0.2320% | 5,490 |
| Net loans and leases to total assets | 64.5839% | 2,939 |
| Net loans and leases to deposits | 77.7824% | 2,747 |
| Net loans and leases to core deposits | 93.1874% | 1,661 |
| Total domestic deposits to total assets | 83.0316% | 4,537 |
| Equity capital to assets | 10.1858% | 3,526 |
| Core capital (leverage) ratio | 10.2011% | 3,293 |
| Tier 1 risk-based capital ratio | 12.2281% | 5,473 |
| Total risk-based capital ratio | 13.4814% | 5,401 |
| Memoranda: |
| Average total assets | $156,926,400 | 3,601 |
| Average earning assets | $139,395,400 | 3,676 |
| Average equity | $15,801,600 | 3,738 |
| Average total loans | $102,023,000 | 3,399 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4050% | 439 |
| Cost of funding earning assets | 0.5902% | 2,897 |
| Net interest margin | 4.8149% | 417 |
| Noninterest income to average assets | 1.1277% | 1,149 |
| Noninterest expense to average assets | 3.4719% | 1,670 |
| Loan and lease loss provision to assets | 0.3075% | 1,100 |
| Net operating income to assets | 1.6138% | 728 |
| Return on assets (ROA) | 1.6138% | 772 |
| Pretax return on assets | 1.6138% | 1,310 |
| Return on Equity (ROE) | 16.0740% | 642 |
| Retained earnings to average equity (ytd only) | 7.8200% | 1,489 |
| Net charge-offs to loans | 0.0435% | 4,288 |
| Credit loss provision to net charge-offs | 1,090.9091% | 282 |
| Earnings coverage of net charge-offs (x) | 68.1498% | 675 |
| Efficiency ratio | 64.3751% | 4,738 |
| Assets per employee ($millions) | 3.5651% | 4,726 |
| Cash dividends to net income (ytd only)* | 51.3500% | 1,807 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8737% | 2,079 |
| Loan loss allowance to noncurrent loans | 299.1018% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7335% | 2,369 |
| Noncurrent loans to loans | 0.6265% | 4,635 |
| Net loans and leases to total assets | 65.2210% | 2,759 |
| Net loans and leases to deposits | 79.0699% | 2,526 |
| Net loans and leases to core deposits | 94.0209% | 1,574 |
| Total domestic deposits to total assets | 82.4852% | 4,768 |
| Equity capital to assets | 10.0081% | 3,889 |
| Core capital (leverage) ratio | 10.2311% | 3,357 |
| Tier 1 risk-based capital ratio | 13.2391% | 4,954 |
| Total risk-based capital ratio | 14.4941% | 4,889 |
| Memoranda: |
| Average total assets | $156,070,250 | 3,649 |
| Average earning assets | $138,262,750 | 3,732 |
| Average equity | $15,668,750 | 3,800 |
| Average total loans | $101,131,750 | 3,452 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4622% | 398 |
| Cost of funding earning assets | 0.6095% | 2,850 |
| Net interest margin | 4.8526% | 403 |
| Noninterest income to average assets | 1.1008% | 1,250 |
| Noninterest expense to average assets | 3.4692% | 1,678 |
| Loan and lease loss provision to assets | 0.3104% | 1,143 |
| Net operating income to assets | 1.6053% | 741 |
| Return on assets (ROA) | 1.6053% | 812 |
| Pretax return on assets | 1.6053% | 1,361 |
| Return on Equity (ROE) | 15.9720% | 675 |
| Retained earnings to average equity (ytd only) | 10.9269% | 654 |
| Net charge-offs to loans | 0.0665% | 3,760 |
| Credit loss provision to net charge-offs | 727.2727% | 414 |
| Earnings coverage of net charge-offs (x) | 44.8788% | 855 |
| Efficiency ratio | 64.4247% | 4,803 |
| Assets per employee ($millions) | 3.4634% | 4,932 |
| Cash dividends to net income (ytd only)* | 31.5874% | 2,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8466% | 2,271 |
| Loan loss allowance to noncurrent loans | 171.9780% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 2.7828% | 1,491 |
| Noncurrent loans to loans | 1.0738% | 3,780 |
| Net loans and leases to total assets | 64.0479% | 2,906 |
| Net loans and leases to deposits | 81.0787% | 2,170 |
| Net loans and leases to core deposits | 92.3814% | 1,671 |
| Total domestic deposits to total assets | 78.9948% | 5,804 |
| Equity capital to assets | 10.2572% | 3,590 |
| Core capital (leverage) ratio | 10.1362% | 3,311 |
| Tier 1 risk-based capital ratio | 13.5031% | 4,770 |
| Total risk-based capital ratio | 14.7574% | 4,721 |
| Memoranda: |
| Average total assets | $154,617,000 | 3,695 |
| Average earning assets | $136,503,000 | 3,787 |
| Average equity | $15,539,670 | 3,847 |
| Average total loans | $99,298,330 | 3,510 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3865% | 440 |
| Cost of funding earning assets | 0.6410% | 2,737 |
| Net interest margin | 4.7455% | 442 |
| Noninterest income to average assets | 1.0935% | 1,236 |
| Noninterest expense to average assets | 3.3740% | 1,889 |
| Loan and lease loss provision to assets | 0.3117% | 1,094 |
| Net operating income to assets | 1.6000% | 710 |
| Return on assets (ROA) | 1.6000% | 772 |
| Pretax return on assets | 1.6000% | 1,305 |
| Return on Equity (ROE) | 16.0872% | 598 |
| Retained earnings to average equity (ytd only) | 9.3755% | 1,275 |
| Net charge-offs to loans | 0.0163% | 3,832 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 221 |
| Efficiency ratio | 63.8329% | 5,031 |
| Assets per employee ($millions) | 3.6688% | 4,631 |
| Cash dividends to net income (ytd only)* | 41.7208% | 1,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7713% | 2,729 |
| Loan loss allowance to noncurrent loans | 39.5617% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 4.8580% | 757 |
| Noncurrent loans to loans | 4.4773% | 928 |
| Net loans and leases to total assets | 62.8163% | 2,917 |
| Net loans and leases to deposits | 79.8715% | 2,091 |
| Net loans and leases to core deposits | 92.1697% | 1,493 |
| Total domestic deposits to total assets | 78.6467% | 6,027 |
| Equity capital to assets | 9.8225% | 4,394 |
| Core capital (leverage) ratio | 10.1654% | 3,188 |
| Tier 1 risk-based capital ratio | 13.1619% | 5,096 |
| Total risk-based capital ratio | 14.4155% | 5,047 |
| Memoranda: |
| Average total assets | $153,999,500 | 3,742 |
| Average earning assets | $136,043,500 | 3,826 |
| Average equity | $15,316,500 | 3,943 |
| Average total loans | $98,098,500 | 3,561 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2445% | 1,027 |
| Cost of funding earning assets | 0.7853% | 2,779 |
| Net interest margin | 4.4592% | 1,023 |
| Noninterest income to average assets | 0.9857% | 1,573 |
| Noninterest expense to average assets | 3.5898% | 1,629 |
| Loan and lease loss provision to assets | 0.5004% | 1,189 |
| Net operating income to assets | 0.8034% | 3,273 |
| Return on assets (ROA) | 0.8034% | 3,524 |
| Pretax return on assets | 0.8034% | 4,280 |
| Return on Equity (ROE) | 7.7378% | 3,214 |
| Retained earnings to average equity (ytd only) | 3.4332% | 3,808 |
| Net charge-offs to loans | 0.8072% | 1,446 |
| Credit loss provision to net charge-offs | 101.9553% | 2,960 |
| Earnings coverage of net charge-offs (x) | 2.6564% | 4,101 |
| Efficiency ratio | 73.3576% | 3,180 |
| Assets per employee ($millions) | 3.4145% | 5,180 |
| Cash dividends to net income (ytd only)* | 55.6314% | 2,026 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7532% | 2,748 |
| Loan loss allowance to noncurrent loans | 49.3066% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 4.3557% | 958 |
| Noncurrent loans to loans | 3.5557% | 1,392 |
| Net loans and leases to total assets | 62.3274% | 3,204 |
| Net loans and leases to deposits | 74.4883% | 3,025 |
| Net loans and leases to core deposits | 86.3774% | 2,263 |
| Total domestic deposits to total assets | 83.6740% | 4,462 |
| Equity capital to assets | 10.0753% | 4,069 |
| Core capital (leverage) ratio | 10.1869% | 3,157 |
| Tier 1 risk-based capital ratio | 13.4353% | 4,802 |
| Total risk-based capital ratio | 14.6885% | 4,751 |
| Memoranda: |
| Average total assets | $145,885,800 | 3,844 |
| Average earning assets | $127,848,600 | 3,948 |
| Average equity | $15,146,400 | 3,931 |
| Average total loans | $88,705,600 | 3,779 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2677% | 1,065 |
| Cost of funding earning assets | 0.8066% | 2,889 |
| Net interest margin | 4.4611% | 1,071 |
| Noninterest income to average assets | 1.5018% | 662 |
| Noninterest expense to average assets | 3.5746% | 1,606 |
| Loan and lease loss provision to assets | 0.3315% | 1,978 |
| Net operating income to assets | 1.5018% | 1,016 |
| Return on assets (ROA) | 1.5018% | 1,128 |
| Pretax return on assets | 1.5018% | 1,870 |
| Return on Equity (ROE) | 14.3550% | 1,034 |
| Retained earnings to average equity (ytd only) | 8.6078% | 1,372 |
| Net charge-offs to loans | 0.5881% | 1,864 |
| Credit loss provision to net charge-offs | 93.7500% | 3,184 |
| Earnings coverage of net charge-offs (x) | 5.1849% | 3,085 |
| Efficiency ratio | 66.0991% | 4,438 |
| Assets per employee ($millions) | 3.4019% | 5,204 |
| Cash dividends to net income (ytd only)* | 40.0366% | 2,163 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7797% | 2,859 |
| Loan loss allowance to noncurrent loans | 80.0490% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.7037% | 1,955 |
| Noncurrent loans to loans | 2.2233% | 2,588 |
| Net loans and leases to total assets | 61.6095% | 3,461 |
| Net loans and leases to deposits | 73.2505% | 3,402 |
| Net loans and leases to core deposits | 84.0857% | 2,682 |
| Total domestic deposits to total assets | 84.1080% | 4,168 |
| Equity capital to assets | 10.6610% | 3,650 |
| Core capital (leverage) ratio | 10.6280% | 2,773 |
| Tier 1 risk-based capital ratio | 14.4046% | 4,254 |
| Total risk-based capital ratio | 15.6580% | 4,225 |
| Memoranda: |
| Average total assets | $144,797,500 | 3,905 |
| Average earning assets | $126,782,250 | 4,000 |
| Average equity | $15,148,750 | 3,964 |
| Average total loans | $87,054,250 | 3,856 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2593% | 1,124 |
| Cost of funding earning assets | 0.8288% | 2,964 |
| Net interest margin | 4.4305% | 1,127 |
| Noninterest income to average assets | 1.7158% | 517 |
| Noninterest expense to average assets | 3.5509% | 1,675 |
| Loan and lease loss provision to assets | 0.3326% | 1,977 |
| Net operating income to assets | 1.6923% | 683 |
| Return on assets (ROA) | 1.6923% | 769 |
| Pretax return on assets | 1.6923% | 1,279 |
| Return on Equity (ROE) | 16.2800% | 729 |
| Retained earnings to average equity (ytd only) | 9.9600% | 987 |
| Net charge-offs to loans | 0.8376% | 1,318 |
| Credit loss provision to net charge-offs | 67.0391% | 3,636 |
| Earnings coverage of net charge-offs (x) | 4.0810% | 3,183 |
| Efficiency ratio | 63.6838% | 4,951 |
| Assets per employee ($millions) | 3.7853% | 4,354 |
| Cash dividends to net income (ytd only)* | 38.8206% | 2,220 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7739% | 2,945 |
| Loan loss allowance to noncurrent loans | 82.6087% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 3.0577% | 1,795 |
| Noncurrent loans to loans | 2.1474% | 2,768 |
| Net loans and leases to total assets | 57.7255% | 4,215 |
| Net loans and leases to deposits | 68.3250% | 4,145 |
| Net loans and leases to core deposits | 78.6342% | 3,427 |
| Total domestic deposits to total assets | 84.4867% | 4,107 |
| Equity capital to assets | 10.4072% | 3,799 |
| Core capital (leverage) ratio | 10.3747% | 2,957 |
| Tier 1 risk-based capital ratio | 14.5670% | 4,054 |
| Total risk-based capital ratio | 15.8195% | 4,017 |
| Memoranda: |
| Average total assets | $144,303,000 | 3,933 |
| Average earning assets | $125,720,330 | 4,039 |
| Average equity | $15,000,000 | 3,987 |
| Average total loans | $85,487,000 | 3,927 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4754% | 791 |
| Cost of funding earning assets | 0.8536% | 3,034 |
| Net interest margin | 4.6218% | 792 |
| Noninterest income to average assets | 1.0600% | 1,286 |
| Noninterest expense to average assets | 3.4689% | 1,826 |
| Loan and lease loss provision to assets | 0.3365% | 1,863 |
| Net operating income to assets | 1.2479% | 1,608 |
| Return on assets (ROA) | 1.2479% | 1,780 |
| Pretax return on assets | 1.2479% | 2,732 |
| Return on Equity (ROE) | 12.0124% | 1,674 |
| Retained earnings to average equity (ytd only) | 9.9609% | 1,276 |
| Net charge-offs to loans | 1.0842% | 950 |
| Credit loss provision to net charge-offs | 52.1739% | 3,245 |
| Earnings coverage of net charge-offs (x) | 2.4565% | 3,193 |
| Efficiency ratio | 68.6459% | 4,045 |
| Assets per employee ($millions) | 3.4835% | 5,153 |
| Cash dividends to net income (ytd only)* | 17.0787% | 2,403 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8303% | 2,888 |
| Loan loss allowance to noncurrent loans | 568.7500% | 617 |
| Noncurrent assets plus other real estate owned to assets | 2.8238% | 2,074 |
| Noncurrent loans to loans | 0.3218% | 6,034 |
| Net loans and leases to total assets | 58.0950% | 4,017 |
| Net loans and leases to deposits | 68.9402% | 3,888 |
| Net loans and leases to core deposits | 81.0552% | 2,941 |
| Total domestic deposits to total assets | 84.2686% | 4,372 |
| Equity capital to assets | 10.4927% | 3,499 |
| Core capital (leverage) ratio | 10.5738% | 2,670 |
| Tier 1 risk-based capital ratio | 14.2771% | 4,258 |
| Total risk-based capital ratio | 15.5299% | 4,227 |
| Memoranda: |
| Average total assets | $142,640,500 | 3,994 |
| Average earning assets | $123,241,500 | 4,128 |
| Average equity | $14,818,000 | 4,033 |
| Average total loans | $84,851,500 | 3,981 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5029% | 1,170 |
| Cost of funding earning assets | 0.9989% | 3,392 |
| Net interest margin | 4.5040% | 1,118 |
| Noninterest income to average assets | 0.8566% | 1,817 |
| Noninterest expense to average assets | 3.4347% | 2,150 |
| Loan and lease loss provision to assets | 0.3284% | 3,060 |
| Net operating income to assets | 1.0393% | 2,045 |
| Return on assets (ROA) | 1.0393% | 2,191 |
| Pretax return on assets | 1.0393% | 3,088 |
| Return on Equity (ROE) | 10.7647% | 1,781 |
| Retained earnings to average equity (ytd only) | 6.0804% | 1,971 |
| Net charge-offs to loans | 0.3990% | 3,421 |
| Credit loss provision to net charge-offs | 136.3636% | 2,191 |
| Earnings coverage of net charge-offs (x) | 5.6790% | 2,710 |
| Efficiency ratio | 71.5202% | 3,685 |
| Assets per employee ($millions) | 3.4746% | 5,084 |
| Cash dividends to net income (ytd only)* | 43.5155% | 2,393 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9452% | 2,429 |
| Loan loss allowance to noncurrent loans | 256.8992% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 2.8998% | 2,082 |
| Noncurrent loans to loans | 0.7572% | 5,181 |
| Net loans and leases to total assets | 58.6320% | 4,257 |
| Net loans and leases to deposits | 69.7824% | 4,142 |
| Net loans and leases to core deposits | 82.1112% | 3,159 |
| Total domestic deposits to total assets | 84.0213% | 4,307 |
| Equity capital to assets | 10.2837% | 3,806 |
| Core capital (leverage) ratio | 10.3191% | 2,946 |
| Tier 1 risk-based capital ratio | 13.8749% | 4,421 |
| Total risk-based capital ratio | 15.0067% | 4,474 |
| Memoranda: |
| Average total assets | $146,154,600 | 3,873 |
| Average earning assets | $128,041,800 | 3,968 |
| Average equity | $14,111,000 | 4,087 |
| Average total loans | $88,215,800 | 3,904 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4399% | 1,411 |
| Cost of funding earning assets | 1.0245% | 3,511 |
| Net interest margin | 4.4154% | 1,364 |
| Noninterest income to average assets | 0.8639% | 1,781 |
| Noninterest expense to average assets | 3.3306% | 2,402 |
| Loan and lease loss provision to assets | 0.3263% | 2,922 |
| Net operating income to assets | 1.0905% | 2,007 |
| Return on assets (ROA) | 1.0905% | 2,149 |
| Pretax return on assets | 1.0905% | 3,054 |
| Return on Equity (ROE) | 11.4763% | 1,697 |
| Retained earnings to average equity (ytd only) | 6.4394% | 2,268 |
| Net charge-offs to loans | 0.2323% | 3,975 |
| Credit loss provision to net charge-offs | 232.2581% | 1,224 |
| Earnings coverage of net charge-offs (x) | 10.0840% | 1,973 |
| Efficiency ratio | 70.1547% | 3,936 |
| Assets per employee ($millions) | 3.4646% | 5,080 |
| Cash dividends to net income (ytd only)* | 43.8901% | 1,858 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0064% | 2,321 |
| Loan loss allowance to noncurrent loans | 103.5842% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 3.5419% | 1,776 |
| Noncurrent loans to loans | 1.9369% | 3,449 |
| Net loans and leases to total assets | 58.2009% | 4,477 |
| Net loans and leases to deposits | 68.3510% | 4,547 |
| Net loans and leases to core deposits | 80.9294% | 3,498 |
| Total domestic deposits to total assets | 85.1500% | 3,698 |
| Equity capital to assets | 9.9419% | 4,421 |
| Core capital (leverage) ratio | 9.8373% | 3,663 |
| Tier 1 risk-based capital ratio | 11.7268% | 6,081 |
| Total risk-based capital ratio | 12.9783% | 6,080 |
| Memoranda: |
| Average total assets | $147,078,750 | 3,866 |
| Average earning assets | $129,361,750 | 3,969 |
| Average equity | $13,976,250 | 4,130 |
| Average total loans | $88,974,000 | 3,930 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3967% | 1,575 |
| Cost of funding earning assets | 1.0686% | 3,487 |
| Net interest margin | 4.3282% | 1,574 |
| Noninterest income to average assets | 0.8293% | 1,895 |
| Noninterest expense to average assets | 3.2967% | 2,581 |
| Loan and lease loss provision to assets | 0.3252% | 2,839 |
| Net operating income to assets | 1.0163% | 2,160 |
| Return on assets (ROA) | 1.0163% | 2,256 |
| Pretax return on assets | 1.0163% | 3,177 |
| Return on Equity (ROE) | 10.8596% | 1,842 |
| Retained earnings to average equity (ytd only) | 6.6026% | 2,080 |
| Net charge-offs to loans | 0.0623% | 5,024 |
| Credit loss provision to net charge-offs | 857.1429% | 376 |
| Earnings coverage of net charge-offs (x) | 35.3571% | 816 |
| Efficiency ratio | 71.0780% | 3,923 |
| Assets per employee ($millions) | 3.4295% | 5,124 |
| Cash dividends to net income (ytd only)* | 39.2000% | 2,115 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9776% | 2,433 |
| Loan loss allowance to noncurrent loans | 62.1786% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 3.7844% | 1,718 |
| Noncurrent loans to loans | 3.1804% | 2,254 |
| Net loans and leases to total assets | 59.9118% | 4,288 |
| Net loans and leases to deposits | 71.2033% | 4,262 |
| Net loans and leases to core deposits | 85.2813% | 3,035 |
| Total domestic deposits to total assets | 84.1419% | 4,287 |
| Equity capital to assets | 9.7640% | 4,437 |
| Core capital (leverage) ratio | 9.4006% | 4,111 |
| Tier 1 risk-based capital ratio | 11.7447% | 5,978 |
| Total risk-based capital ratio | 12.9973% | 5,977 |
| Memoranda: |
| Average total assets | $147,600,000 | 3,891 |
| Average earning assets | $129,893,670 | 3,984 |
| Average equity | $13,812,670 | 4,155 |
| Average total loans | $89,823,670 | 3,941 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2700% | 1,979 |
| Cost of funding earning assets | 1.0662% | 3,740 |
| Net interest margin | 4.2039% | 1,880 |
| Noninterest income to average assets | 0.7578% | 2,228 |
| Noninterest expense to average assets | 3.3124% | 2,522 |
| Loan and lease loss provision to assets | 0.3213% | 2,621 |
| Net operating income to assets | 0.8301% | 2,882 |
| Return on assets (ROA) | 0.8301% | 2,941 |
| Pretax return on assets | 0.8301% | 3,789 |
| Return on Equity (ROE) | 9.0597% | 2,455 |
| Retained earnings to average equity (ytd only) | 4.6175% | 3,418 |
| Net charge-offs to loans | 0.0661% | 4,258 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 855 |
| Efficiency ratio | 74.2052% | 3,480 |
| Assets per employee ($millions) | 3.7966% | 4,306 |
| Cash dividends to net income (ytd only)* | 49.0323% | 1,506 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8056% | 2,995 |
| Loan loss allowance to noncurrent loans | 51.6272% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 3.6447% | 1,863 |
| Noncurrent loans to loans | 3.4975% | 2,130 |
| Net loans and leases to total assets | 58.5133% | 4,552 |
| Net loans and leases to deposits | 70.1181% | 4,329 |
| Net loans and leases to core deposits | 87.3248% | 2,696 |
| Total domestic deposits to total assets | 83.4496% | 4,719 |
| Equity capital to assets | 9.0647% | 5,104 |
| Core capital (leverage) ratio | 9.3091% | 4,113 |
| Tier 1 risk-based capital ratio | 11.0529% | 6,474 |
| Total risk-based capital ratio | 12.3038% | 6,453 |
| Memoranda: |
| Average total assets | $149,380,000 | 3,886 |
| Average earning assets | $131,688,000 | 3,984 |
| Average equity | $13,687,000 | 4,172 |
| Average total loans | $90,716,500 | 3,957 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7186% | 1,502 |
| Cost of funding earning assets | 1.5707% | 2,238 |
| Net interest margin | 4.1479% | 2,374 |
| Noninterest income to average assets | 0.9021% | 1,845 |
| Noninterest expense to average assets | 3.3818% | 2,485 |
| Loan and lease loss provision to assets | 0.3493% | 4,033 |
| Net operating income to assets | 0.8124% | 2,743 |
| Return on assets (ROA) | 0.8124% | 2,875 |
| Pretax return on assets | 0.8124% | 3,589 |
| Return on Equity (ROE) | 8.9683% | 2,300 |
| Retained earnings to average equity (ytd only) | 5.3840% | 2,192 |
| Net charge-offs to loans | 0.5033% | 3,607 |
| Credit loss provision to net charge-offs | 111.1111% | 3,954 |
| Earnings coverage of net charge-offs (x) | 3.6950% | 3,235 |
| Efficiency ratio | 74.4309% | 3,313 |
| Assets per employee ($millions) | 3.4162% | 5,137 |
| Cash dividends to net income (ytd only)* | 39.9663% | 2,613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6813% | 3,287 |
| Loan loss allowance to noncurrent loans | 58.3143% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 3.5569% | 1,938 |
| Noncurrent loans to loans | 2.8833% | 2,641 |
| Net loans and leases to total assets | 60.8658% | 4,515 |
| Net loans and leases to deposits | 73.6649% | 4,250 |
| Net loans and leases to core deposits | 90.7946% | 2,647 |
| Total domestic deposits to total assets | 82.6252% | 4,963 |
| Equity capital to assets | 9.2636% | 4,733 |
| Core capital (leverage) ratio | 9.3830% | 3,874 |
| Tier 1 risk-based capital ratio | 11.2712% | 6,116 |
| Total risk-based capital ratio | 12.5210% | 6,100 |
| Memoranda: |
| Average total assets | $145,987,200 | 3,947 |
| Average earning assets | $128,160,600 | 4,061 |
| Average equity | $13,224,400 | 4,321 |
| Average total loans | $91,205,000 | 4,024 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8665% | 1,213 |
| Cost of funding earning assets | 1.6878% | 1,933 |
| Net interest margin | 4.1787% | 2,295 |
| Noninterest income to average assets | 0.9211% | 1,722 |
| Noninterest expense to average assets | 3.4458% | 2,170 |
| Loan and lease loss provision to assets | 0.3110% | 4,089 |
| Net operating income to assets | 0.8333% | 2,867 |
| Return on assets (ROA) | 0.8333% | 2,999 |
| Pretax return on assets | 0.8333% | 3,791 |
| Return on Equity (ROE) | 9.2519% | 2,407 |
| Retained earnings to average equity (ytd only) | 5.5654% | 2,609 |
| Net charge-offs to loans | 0.6705% | 2,751 |
| Credit loss provision to net charge-offs | 74.0741% | 5,313 |
| Earnings coverage of net charge-offs (x) | 2.7255% | 3,783 |
| Efficiency ratio | 75.0697% | 3,134 |
| Assets per employee ($millions) | 3.4406% | 5,118 |
| Cash dividends to net income (ytd only)* | 39.8464% | 2,105 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4952% | 3,988 |
| Loan loss allowance to noncurrent loans | 66.5850% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.9443% | 2,462 |
| Noncurrent loans to loans | 2.2456% | 3,396 |
| Net loans and leases to total assets | 60.5151% | 4,815 |
| Net loans and leases to deposits | 73.3219% | 4,635 |
| Net loans and leases to core deposits | 88.5181% | 3,309 |
| Total domestic deposits to total assets | 82.5334% | 4,783 |
| Equity capital to assets | 9.0872% | 5,465 |
| Core capital (leverage) ratio | 9.1587% | 4,445 |
| Tier 1 risk-based capital ratio | 11.0900% | 6,296 |
| Total risk-based capital ratio | 12.2111% | 6,397 |
| Memoranda: |
| Average total assets | $145,759,750 | 4,009 |
| Average earning assets | $127,977,750 | 4,112 |
| Average equity | $13,128,500 | 4,412 |
| Average total loans | $91,271,500 | 4,088 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9252% | 1,126 |
| Cost of funding earning assets | 1.7461% | 1,888 |
| Net interest margin | 4.1791% | 2,227 |
| Noninterest income to average assets | 0.8522% | 1,874 |
| Noninterest expense to average assets | 3.4117% | 2,231 |
| Loan and lease loss provision to assets | 0.3034% | 3,973 |
| Net operating income to assets | 0.8040% | 2,954 |
| Return on assets (ROA) | 0.8040% | 3,094 |
| Pretax return on assets | 0.8040% | 3,866 |
| Return on Equity (ROE) | 8.9532% | 2,488 |
| Retained earnings to average equity (ytd only) | 3.3786% | 3,959 |
| Net charge-offs to loans | 0.8731% | 2,086 |
| Credit loss provision to net charge-offs | 55.1378% | 5,315 |
| Earnings coverage of net charge-offs (x) | 2.0125% | 4,015 |
| Efficiency ratio | 75.4959% | 3,162 |
| Assets per employee ($millions) | 3.5674% | 4,760 |
| Cash dividends to net income (ytd only)* | 62.2642% | 1,248 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4614% | 4,113 |
| Loan loss allowance to noncurrent loans | 51.0613% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 3.4312% | 2,050 |
| Noncurrent loans to loans | 2.8620% | 2,797 |
| Net loans and leases to total assets | 58.4588% | 5,341 |
| Net loans and leases to deposits | 70.4865% | 5,209 |
| Net loans and leases to core deposits | 87.6259% | 3,594 |
| Total domestic deposits to total assets | 82.9362% | 4,600 |
| Equity capital to assets | 8.7538% | 5,807 |
| Core capital (leverage) ratio | 9.1403% | 4,391 |
| Tier 1 risk-based capital ratio | 12.4136% | 4,932 |
| Total risk-based capital ratio | 13.6431% | 4,936 |
| Memoranda: |
| Average total assets | $145,031,330 | 4,048 |
| Average earning assets | $127,252,670 | 4,150 |
| Average equity | $13,023,330 | 4,436 |
| Average total loans | $91,399,330 | 4,115 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9430% | 1,094 |
| Cost of funding earning assets | 1.8424% | 1,686 |
| Net interest margin | 4.1006% | 2,439 |
| Noninterest income to average assets | 0.8217% | 1,924 |
| Noninterest expense to average assets | 3.6261% | 1,676 |
| Loan and lease loss provision to assets | 0.3365% | 3,370 |
| Net operating income to assets | 0.4543% | 4,598 |
| Return on assets (ROA) | 0.4543% | 4,722 |
| Pretax return on assets | 0.4543% | 5,113 |
| Return on Equity (ROE) | 4.9934% | 4,365 |
| Retained earnings to average equity (ytd only) | 4.9934% | 3,156 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0952% | 2,261 |
| Assets per employee ($millions) | 3.3749% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7384% | 2,930 |
| Loan loss allowance to noncurrent loans | 58.0036% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.7845% | 2,611 |
| Noncurrent loans to loans | 2.9971% | 2,678 |
| Net loans and leases to total assets | 63.7227% | 4,390 |
| Net loans and leases to deposits | 78.1230% | 4,019 |
| Net loans and leases to core deposits | 97.3592% | 2,413 |
| Total domestic deposits to total assets | 81.5672% | 5,245 |
| Equity capital to assets | 9.2122% | 4,976 |
| Core capital (leverage) ratio | 9.1436% | 4,309 |
| Tier 1 risk-based capital ratio | 12.2640% | 4,932 |
| Total risk-based capital ratio | 13.5169% | 4,898 |
| Memoranda: |
| Average total assets | $142,631,000 | 4,145 |
| Average earning assets | $125,054,500 | 4,259 |
| Average equity | $12,977,000 | 4,481 |
| Average total loans | $92,654,500 | 4,148 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4384% | 759 |
| Cost of funding earning assets | 1.9106% | 3,406 |
| Net interest margin | 4.5278% | 1,116 |
| Noninterest income to average assets | 0.9876% | 1,620 |
| Noninterest expense to average assets | 3.5506% | 2,266 |
| Loan and lease loss provision to assets | 0.3976% | 4,420 |
| Net operating income to assets | 1.0384% | 1,708 |
| Return on assets (ROA) | 1.0384% | 1,753 |
| Pretax return on assets | 1.0384% | 2,460 |
| Return on Equity (ROE) | 10.7803% | 1,481 |
| Retained earnings to average equity (ytd only) | 3.9394% | 2,445 |
| Net charge-offs to loans | 0.0435% | 6,674 |
| Credit loss provision to net charge-offs | 1,346.1538% | 225 |
| Earnings coverage of net charge-offs (x) | 48.6154% | 529 |
| Efficiency ratio | 71.2029% | 4,411 |
| Assets per employee ($millions) | 3.1892% | 5,750 |
| Cash dividends to net income (ytd only)* | 63.4573% | 1,846 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5827% | 3,350 |
| Loan loss allowance to noncurrent loans | 73.0959% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.2395% | 3,082 |
| Noncurrent loans to loans | 2.1652% | 3,438 |
| Net loans and leases to total assets | 64.0407% | 4,588 |
| Net loans and leases to deposits | 81.4932% | 3,696 |
| Net loans and leases to core deposits | 113.2500% | 2,572 |
| Total domestic deposits to total assets | 78.5841% | 6,097 |
| Equity capital to assets | 8.9858% | 5,170 |
| Core capital (leverage) ratio | 9.1432% | 4,211 |
| Tier 1 risk-based capital ratio | 12.1312% | 4,829 |
| Total risk-based capital ratio | 13.3833% | 4,793 |
| Memoranda: |
| Average total assets | $132,034,600 | 4,301 |
| Average earning assets | $116,612,600 | 4,385 |
| Average equity | $12,717,600 | 4,582 |
| Average total loans | $89,754,800 | 4,217 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5086% | 732 |
| Cost of funding earning assets | 1.9350% | 3,685 |
| Net interest margin | 4.5736% | 1,032 |
| Noninterest income to average assets | 1.0075% | 1,579 |
| Noninterest expense to average assets | 3.5953% | 2,035 |
| Loan and lease loss provision to assets | 0.1600% | 5,746 |
| Net operating income to assets | 1.2975% | 1,224 |
| Return on assets (ROA) | 1.2975% | 1,302 |
| Pretax return on assets | 1.2975% | 1,955 |
| Return on Equity (ROE) | 13.2247% | 1,063 |
| Retained earnings to average equity (ytd only) | 4.0716% | 3,001 |
| Net charge-offs to loans | 0.0330% | 6,433 |
| Credit loss provision to net charge-offs | 704.5455% | 529 |
| Earnings coverage of net charge-offs (x) | 64.1875% | 511 |
| Efficiency ratio | 71.1542% | 4,399 |
| Assets per employee ($millions) | 3.1979% | 5,649 |
| Cash dividends to net income (ytd only)* | 69.2123% | 1,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2013% | 5,100 |
| Loan loss allowance to noncurrent loans | 52.3743% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.9475% | 3,423 |
| Noncurrent loans to loans | 2.2937% | 3,274 |
| Net loans and leases to total assets | 67.2848% | 4,121 |
| Net loans and leases to deposits | 86.5074% | 3,225 |
| Net loans and leases to core deposits | 119.4999% | 2,293 |
| Total domestic deposits to total assets | 77.7792% | 6,151 |
| Equity capital to assets | 9.2960% | 5,043 |
| Core capital (leverage) ratio | 9.4823% | 3,934 |
| Tier 1 risk-based capital ratio | 12.3248% | 4,684 |
| Total risk-based capital ratio | 13.4094% | 4,783 |
| Memoranda: |
| Average total assets | $129,164,500 | 4,386 |
| Average earning assets | $114,246,250 | 4,470 |
| Average equity | $12,673,000 | 4,611 |
| Average total loans | $88,847,000 | 4,284 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6296% | 625 |
| Cost of funding earning assets | 1.9611% | 3,956 |
| Net interest margin | 4.6685% | 845 |
| Noninterest income to average assets | 0.9938% | 1,611 |
| Noninterest expense to average assets | 3.5764% | 2,135 |
| Loan and lease loss provision to assets | 0.1108% | 6,044 |
| Net operating income to assets | 1.4242% | 969 |
| Return on assets (ROA) | 1.4242% | 1,035 |
| Pretax return on assets | 1.4242% | 1,656 |
| Return on Equity (ROE) | 14.2446% | 952 |
| Retained earnings to average equity (ytd only) | 5.7137% | 2,151 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9690% | 4,790 |
| Assets per employee ($millions) | 3.0425% | 6,019 |
| Cash dividends to net income (ytd only)* | 59.8889% | 1,684 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1587% | 5,204 |
| Loan loss allowance to noncurrent loans | 87.9139% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 4,445 |
| Noncurrent loans to loans | 1.3180% | 4,577 |
| Net loans and leases to total assets | 69.2469% | 3,891 |
| Net loans and leases to deposits | 91.7110% | 2,522 |
| Net loans and leases to core deposits | 126.1337% | 1,858 |
| Total domestic deposits to total assets | 75.5056% | 6,659 |
| Equity capital to assets | 9.7511% | 4,283 |
| Core capital (leverage) ratio | 9.9234% | 3,378 |
| Tier 1 risk-based capital ratio | 12.7031% | 4,356 |
| Total risk-based capital ratio | 13.7607% | 4,433 |
| Memoranda: |
| Average total assets | $126,382,330 | 4,464 |
| Average earning assets | $111,469,670 | 4,590 |
| Average equity | $12,636,330 | 4,652 |
| Average total loans | $87,246,330 | 4,351 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5535% | 777 |
| Cost of funding earning assets | 1.9948% | 4,158 |
| Net interest margin | 4.5586% | 1,021 |
| Noninterest income to average assets | 0.9246% | 1,758 |
| Noninterest expense to average assets | 3.6920% | 1,673 |
| Loan and lease loss provision to assets | 0.0966% | 5,725 |
| Net operating income to assets | 1.1630% | 1,765 |
| Return on assets (ROA) | 1.1630% | 1,883 |
| Pretax return on assets | 1.1630% | 2,752 |
| Return on Equity (ROE) | 11.4822% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.4822% | 886 |
| Net charge-offs to loans | 0.0094% | 5,521 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 215 |
| Efficiency ratio | 74.5608% | 3,721 |
| Assets per employee ($millions) | 3.2313% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1597% | 5,056 |
| Loan loss allowance to noncurrent loans | 113.0820% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.0554% | 4,578 |
| Noncurrent loans to loans | 1.0255% | 4,943 |
| Net loans and leases to total assets | 68.9867% | 3,916 |
| Net loans and leases to deposits | 92.2712% | 2,551 |
| Net loans and leases to core deposits | 122.5380% | 2,204 |
| Total domestic deposits to total assets | 74.7651% | 6,751 |
| Equity capital to assets | 10.1230% | 3,866 |
| Core capital (leverage) ratio | 10.3608% | 3,058 |
| Tier 1 risk-based capital ratio | 13.2029% | 4,051 |
| Total risk-based capital ratio | 14.2585% | 4,099 |
| Memoranda: |
| Average total assets | $124,160,500 | 4,539 |
| Average earning assets | $109,682,500 | 4,647 |
| Average equity | $12,576,000 | 4,686 |
| Average total loans | $85,042,000 | 4,459 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3307% | 560 |
| Cost of funding earning assets | 2.4964% | 4,225 |
| Net interest margin | 4.8343% | 728 |
| Noninterest income to average assets | 1.0421% | 1,451 |
| Noninterest expense to average assets | 3.4306% | 2,579 |
| Loan and lease loss provision to assets | 0.2098% | 4,795 |
| Net operating income to assets | 1.5676% | 888 |
| Return on assets (ROA) | 1.5676% | 860 |
| Pretax return on assets | 1.6663% | 1,224 |
| Return on Equity (ROE) | 14.6905% | 974 |
| Retained earnings to average equity (ytd only) | 3.1134% | 3,217 |
| Net charge-offs to loans | 0.0673% | 5,815 |
| Credit loss provision to net charge-offs | 489.7959% | 890 |
| Earnings coverage of net charge-offs (x) | 43.7959% | 837 |
| Efficiency ratio | 64.6458% | 5,408 |
| Assets per employee ($millions) | 3.1359% | 5,663 |
| Cash dividends to net income (ytd only)* | 78.8065% | 1,774 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2079% | 4,472 |
| Loan loss allowance to noncurrent loans | 398.3936% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 5,469 |
| Noncurrent loans to loans | 0.3032% | 6,471 |
| Net loans and leases to total assets | 66.3404% | 4,786 |
| Net loans and leases to deposits | 86.6031% | 4,018 |
| Net loans and leases to core deposits | 111.4140% | 3,624 |
| Total domestic deposits to total assets | 76.6028% | 6,096 |
| Equity capital to assets | 10.1348% | 3,881 |
| Core capital (leverage) ratio | 10.2059% | 3,258 |
| Tier 1 risk-based capital ratio | 13.6363% | 3,733 |
| Total risk-based capital ratio | 14.7277% | 3,733 |
| Memoranda: |
| Average total assets | $114,382,000 | 4,662 |
| Average earning assets | $100,903,800 | 4,781 |
| Average equity | $12,205,200 | 4,776 |
| Average total loans | $72,780,600 | 4,779 |
