Home > Fidelity Bank > Performance and Condition Ratios
Fidelity Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 3,978 |
| Cost of funding earning assets | 1.2665% | 2,612 |
| Net interest margin | 2.7235% | 3,785 |
| Noninterest income to average assets | 1.3200% | 454 |
| Noninterest expense to average assets | 2.0340% | 3,543 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.8509% | 566 |
| Return on assets (ROA) | 1.5775% | 866 |
| Pretax return on assets | 1.5775% | 1,278 |
| Return on Equity (ROE) | 37.3700% | 103 |
| Retained earnings to average equity (ytd only) | 18.6644% | 164 |
| Net charge-offs to loans | 0.0162% | 2,053 |
| Credit loss provision to net charge-offs | 595.2381% | 596 |
| Earnings coverage of net charge-offs (x) | 244.5238% | 507 |
| Efficiency ratio | 51.7410% | 3,857 |
| Assets per employee ($millions) | 8.9451% | 1,002 |
| Cash dividends to net income (ytd only)* | 50.0585% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,468 |
| Loan loss allowance to noncurrent loans | 1,515.1515% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,389 |
| Noncurrent loans to loans | 0.0770% | 3,171 |
| Net loans and leases to total assets | 46.5800% | 3,791 |
| Net loans and leases to deposits | 49.8063% | 3,956 |
| Net loans and leases to core deposits | 62.9852% | 3,638 |
| Total domestic deposits to total assets | 93.5200% | 138 |
| Equity capital to assets | 6.0421% | 4,225 |
| Core capital (leverage) ratio | 10.8055% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $541,355,800 | 1,638 |
| Average earning assets | $519,291,400 | 1,580 |
| Average equity | $22,851,000 | 2,641 |
| Average total loans | $258,969,200 | 1,961 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 3,999 |
| Cost of funding earning assets | 1.1296% | 2,661 |
| Net interest margin | 2.7678% | 3,781 |
| Noninterest income to average assets | 1.5400% | 380 |
| Noninterest expense to average assets | 2.0596% | 3,443 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.0769% | 449 |
| Return on assets (ROA) | 2.0806% | 440 |
| Pretax return on assets | 2.0806% | 683 |
| Return on Equity (ROE) | 55.3200% | 61 |
| Retained earnings to average equity (ytd only) | 43.6702% | 43 |
| Net charge-offs to loans | 0.0200% | 1,720 |
| Credit loss provision to net charge-offs | 641.0256% | 536 |
| Earnings coverage of net charge-offs (x) | 222.2051% | 549 |
| Efficiency ratio | 49.0595% | 3,980 |
| Assets per employee ($millions) | 8.7439% | 1,026 |
| Cash dividends to net income (ytd only)* | 21.0533% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 2,854 |
| Loan loss allowance to noncurrent loans | 1,450.2415% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,415 |
| Noncurrent loans to loans | 0.0761% | 3,211 |
| Net loans and leases to total assets | 49.6500% | 3,640 |
| Net loans and leases to deposits | 55.0394% | 3,749 |
| Net loans and leases to core deposits | 69.3136% | 3,244 |
| Total domestic deposits to total assets | 90.2000% | 887 |
| Equity capital to assets | 2.4375% | 4,523 |
| Core capital (leverage) ratio | 11.1698% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $540,281,250 | 1,642 |
| Average earning assets | $518,179,750 | 1,578 |
| Average equity | $20,321,500 | 2,818 |
| Average total loans | $259,421,250 | 1,964 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,083 |
| Cost of funding earning assets | 0.9521% | 2,763 |
| Net interest margin | 2.7967% | 3,826 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.8041% | 3,988 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1729% | 1,902 |
| Return on assets (ROA) | 1.1785% | 1,879 |
| Pretax return on assets | 1.1785% | 2,421 |
| Return on Equity (ROE) | 28.0300% | 268 |
| Retained earnings to average equity (ytd only) | 18.1132% | 336 |
| Net charge-offs to loans | 0.0031% | 2,217 |
| Credit loss provision to net charge-offs | 1,500.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 806.2500% | 184 |
| Efficiency ratio | 60.1507% | 2,940 |
| Assets per employee ($millions) | 8.6177% | 1,038 |
| Cash dividends to net income (ytd only)* | 35.3774% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 1,962 |
| Loan loss allowance to noncurrent loans | 713.8075% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 2,914 |
| Noncurrent loans to loans | 0.1810% | 2,573 |
| Net loans and leases to total assets | 48.0200% | 3,686 |
| Net loans and leases to deposits | 54.5117% | 3,719 |
| Net loans and leases to core deposits | 64.4667% | 3,419 |
| Total domestic deposits to total assets | 88.1000% | 1,568 |
| Equity capital to assets | 4.2086% | 4,486 |
| Core capital (leverage) ratio | 10.5859% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $539,668,667 | 1,636 |
| Average earning assets | $517,398,000 | 1,577 |
| Average equity | $22,690,667 | 2,649 |
| Average total loans | $255,180,333 | 1,982 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6403% | 4,116 |
| Cost of funding earning assets | 0.8221% | 2,644 |
| Net interest margin | 2.8183% | 3,925 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.7493% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2698% | 1,754 |
| Return on assets (ROA) | 1.2765% | 1,701 |
| Pretax return on assets | 1.2765% | 2,236 |
| Return on Equity (ROE) | 30.3700% | 227 |
| Retained earnings to average equity (ytd only) | 19.7599% | 395 |
| Net charge-offs to loans | 0.0032% | 1,897 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 854.0000% | 126 |
| Efficiency ratio | 57.9414% | 3,198 |
| Assets per employee ($millions) | 8.7034% | 1,048 |
| Cash dividends to net income (ytd only)* | 34.9447% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 1,910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.2300% | 3,765 |
| Net loans and leases to deposits | 51.1963% | 3,838 |
| Net loans and leases to core deposits | 60.2200% | 3,532 |
| Total domestic deposits to total assets | 90.3100% | 1,045 |
| Equity capital to assets | 4.8246% | 4,445 |
| Core capital (leverage) ratio | 10.4852% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $538,044,000 | 1,661 |
| Average earning assets | $514,787,500 | 1,608 |
| Average equity | $22,611,500 | 2,676 |
| Average total loans | $250,700,500 | 2,025 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1734% | 3,866 |
| Cost of funding earning assets | 0.3338% | 2,599 |
| Net interest margin | 2.8396% | 3,810 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.6701% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4156% | 1,091 |
| Return on assets (ROA) | 1.4150% | 1,060 |
| Pretax return on assets | 1.4150% | 1,727 |
| Return on Equity (ROE) | 18.3400% | 655 |
| Retained earnings to average equity (ytd only) | 10.2271% | 1,086 |
| Net charge-offs to loans | -0.0260% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.1241% | 3,786 |
| Assets per employee ($millions) | 9.0927% | 888 |
| Cash dividends to net income (ytd only)* | 44.2337% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,202 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 44.2600% | 3,880 |
| Net loans and leases to deposits | 49.6036% | 3,913 |
| Net loans and leases to core deposits | 58.7133% | 3,571 |
| Total domestic deposits to total assets | 89.2300% | 1,656 |
| Equity capital to assets | 6.7366% | 3,798 |
| Core capital (leverage) ratio | 10.5154% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $555,177,800 | 1,596 |
| Average earning assets | $536,515,800 | 1,535 |
| Average equity | $42,837,000 | 1,830 |
| Average total loans | $242,503,600 | 1,988 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0491% | 3,795 |
| Cost of funding earning assets | 0.2475% | 2,731 |
| Net interest margin | 2.8016% | 3,732 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.6224% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4389% | 983 |
| Return on assets (ROA) | 1.4382% | 962 |
| Pretax return on assets | 1.4382% | 1,603 |
| Return on Equity (ROE) | 18.0700% | 634 |
| Retained earnings to average equity (ytd only) | 12.8640% | 637 |
| Net charge-offs to loans | -0.0354% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.9961% | 3,914 |
| Assets per employee ($millions) | 9.3273% | 797 |
| Cash dividends to net income (ytd only)* | 28.7980% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 2,665 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.5400% | 3,788 |
| Net loans and leases to deposits | 48.6765% | 3,926 |
| Net loans and leases to core deposits | 59.1503% | 3,441 |
| Total domestic deposits to total assets | 93.5600% | 447 |
| Equity capital to assets | 6.1610% | 3,898 |
| Core capital (leverage) ratio | 10.3605% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $555,308,750 | 1,607 |
| Average earning assets | $538,148,000 | 1,542 |
| Average equity | $44,205,000 | 1,802 |
| Average total loans | $240,987,500 | 1,991 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9051% | 3,765 |
| Cost of funding earning assets | 0.1943% | 2,986 |
| Net interest margin | 2.7108% | 3,680 |
| Noninterest income to average assets | 0.3635% | 2,967 |
| Noninterest expense to average assets | 1.5898% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4079% | 890 |
| Return on assets (ROA) | 1.4057% | 867 |
| Pretax return on assets | 1.4057% | 1,423 |
| Return on Equity (ROE) | 16.3833% | 650 |
| Retained earnings to average equity (ytd only) | 11.4104% | 714 |
| Net charge-offs to loans | -0.0598% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0345% | 4,042 |
| Assets per employee ($millions) | 8.6320% | 1,012 |
| Cash dividends to net income (ytd only)* | 30.3539% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 43.7709% | 3,850 |
| Net loans and leases to deposits | 48.7723% | 3,878 |
| Net loans and leases to core deposits | 55.4404% | 3,616 |
| Total domestic deposits to total assets | 89.7454% | 1,821 |
| Equity capital to assets | 7.3134% | 3,593 |
| Core capital (leverage) ratio | 10.3916% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,756,667 | 1,626 |
| Average earning assets | $535,197,000 | 1,567 |
| Average equity | $47,255,333 | 1,754 |
| Average total loans | $233,921,000 | 2,029 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8176% | 3,716 |
| Cost of funding earning assets | 0.1845% | 3,022 |
| Net interest margin | 2.6331% | 3,577 |
| Noninterest income to average assets | 0.3043% | 3,286 |
| Noninterest expense to average assets | 1.5821% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2859% | 1,031 |
| Return on assets (ROA) | 1.2881% | 1,017 |
| Pretax return on assets | 1.2881% | 1,543 |
| Return on Equity (ROE) | 13.9539% | 838 |
| Retained earnings to average equity (ytd only) | 8.7916% | 1,332 |
| Net charge-offs to loans | -0.1271% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1636% | 3,954 |
| Assets per employee ($millions) | 8.6675% | 1,039 |
| Cash dividends to net income (ytd only)* | 36.9949% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,228 |
| Loan loss allowance to noncurrent loans | 61,760.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,118 |
| Noncurrent loans to loans | 0.0021% | 4,036 |
| Net loans and leases to total assets | 42.0413% | 3,877 |
| Net loans and leases to deposits | 45.8983% | 3,980 |
| Net loans and leases to core deposits | 52.8028% | 3,679 |
| Total domestic deposits to total assets | 91.5966% | 756 |
| Equity capital to assets | 8.1816% | 3,420 |
| Core capital (leverage) ratio | 10.3257% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $545,593,500 | 1,649 |
| Average earning assets | $531,235,500 | 1,583 |
| Average equity | $50,366,000 | 1,734 |
| Average total loans | $226,542,500 | 2,068 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 3,732 |
| Cost of funding earning assets | 0.2134% | 3,336 |
| Net interest margin | 2.8622% | 3,529 |
| Noninterest income to average assets | 0.7000% | 1,769 |
| Noninterest expense to average assets | 1.7358% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7465% | 575 |
| Return on assets (ROA) | 1.7870% | 546 |
| Pretax return on assets | 1.7870% | 943 |
| Return on Equity (ROE) | 16.3061% | 706 |
| Retained earnings to average equity (ytd only) | 5.8537% | 2,420 |
| Net charge-offs to loans | -0.0074% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8475% | 4,294 |
| Assets per employee ($millions) | 8.7925% | 984 |
| Cash dividends to net income (ytd only)* | 64.1012% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 2,056 |
| Loan loss allowance to noncurrent loans | 43,100.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,193 |
| Noncurrent loans to loans | 0.0032% | 4,098 |
| Net loans and leases to total assets | 39.8824% | 4,097 |
| Net loans and leases to deposits | 44.7830% | 4,144 |
| Net loans and leases to core deposits | 51.7502% | 3,909 |
| Total domestic deposits to total assets | 89.0570% | 1,484 |
| Equity capital to assets | 10.2830% | 2,388 |
| Core capital (leverage) ratio | 9.9720% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $517,677,600 | 1,655 |
| Average earning assets | $503,214,600 | 1,597 |
| Average equity | $56,733,200 | 1,588 |
| Average total loans | $216,017,600 | 2,129 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0977% | 3,815 |
| Cost of funding earning assets | 0.2216% | 3,407 |
| Net interest margin | 2.8761% | 3,606 |
| Noninterest income to average assets | 0.7804% | 1,584 |
| Noninterest expense to average assets | 1.7441% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8318% | 624 |
| Return on assets (ROA) | 1.8822% | 599 |
| Pretax return on assets | 1.8822% | 980 |
| Return on Equity (ROE) | 16.8963% | 776 |
| Retained earnings to average equity (ytd only) | 11.5540% | 928 |
| Net charge-offs to loans | -0.0161% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7737% | 4,314 |
| Assets per employee ($millions) | 8.7730% | 966 |
| Cash dividends to net income (ytd only)* | 31.6184% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,361 |
| Loan loss allowance to noncurrent loans | 33,633.3333% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,280 |
| Noncurrent loans to loans | 0.0039% | 4,189 |
| Net loans and leases to total assets | 42.7500% | 4,043 |
| Net loans and leases to deposits | 48.2464% | 4,101 |
| Net loans and leases to core deposits | 55.9012% | 3,777 |
| Total domestic deposits to total assets | 88.6076% | 1,509 |
| Equity capital to assets | 11.0251% | 1,996 |
| Core capital (leverage) ratio | 10.6690% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,813,750 | 1,690 |
| Average earning assets | $496,488,750 | 1,625 |
| Average equity | $56,902,500 | 1,604 |
| Average total loans | $214,914,750 | 2,170 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9329% | 4,173 |
| Cost of funding earning assets | 0.2359% | 3,423 |
| Net interest margin | 2.6970% | 3,984 |
| Noninterest income to average assets | 0.3069% | 3,594 |
| Noninterest expense to average assets | 1.6447% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2847% | 1,905 |
| Return on assets (ROA) | 1.3144% | 1,888 |
| Pretax return on assets | 1.3144% | 2,587 |
| Return on Equity (ROE) | 11.7576% | 2,143 |
| Retained earnings to average equity (ytd only) | 5.6364% | 2,945 |
| Net charge-offs to loans | -0.0123% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1437% | 3,522 |
| Assets per employee ($millions) | 8.7273% | 940 |
| Cash dividends to net income (ytd only)* | 52.0614% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 2,285 |
| Loan loss allowance to noncurrent loans | 27,390.9091% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,320 |
| Noncurrent loans to loans | 0.0049% | 4,233 |
| Net loans and leases to total assets | 42.6630% | 4,132 |
| Net loans and leases to deposits | 48.3589% | 4,193 |
| Net loans and leases to core deposits | 55.9906% | 3,890 |
| Total domestic deposits to total assets | 88.2216% | 1,707 |
| Equity capital to assets | 10.9227% | 2,045 |
| Core capital (leverage) ratio | 10.2457% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,625,333 | 1,695 |
| Average earning assets | $491,663,333 | 1,631 |
| Average equity | $56,525,333 | 1,608 |
| Average total loans | $210,535,000 | 2,207 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8629% | 4,300 |
| Cost of funding earning assets | 0.2567% | 3,411 |
| Net interest margin | 2.6061% | 4,136 |
| Noninterest income to average assets | 0.3157% | 3,518 |
| Noninterest expense to average assets | 1.6608% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1896% | 2,188 |
| Return on assets (ROA) | 1.2492% | 2,061 |
| Pretax return on assets | 1.2492% | 2,700 |
| Return on Equity (ROE) | 11.0410% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.8834% | 3,258 |
| Net charge-offs to loans | -0.0118% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2650% | 3,267 |
| Assets per employee ($millions) | 8.4791% | 995 |
| Cash dividends to net income (ytd only)* | 55.7705% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,769 |
| Loan loss allowance to noncurrent loans | 21,478.5714% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,388 |
| Noncurrent loans to loans | 0.0068% | 4,293 |
| Net loans and leases to total assets | 40.8115% | 4,298 |
| Net loans and leases to deposits | 45.9176% | 4,357 |
| Net loans and leases to core deposits | 55.7505% | 3,989 |
| Total domestic deposits to total assets | 88.8797% | 1,401 |
| Equity capital to assets | 10.7853% | 2,021 |
| Core capital (leverage) ratio | 10.4849% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $496,620,000 | 1,708 |
| Average earning assets | $483,014,500 | 1,637 |
| Average equity | $56,190,500 | 1,603 |
| Average total loans | $202,596,500 | 2,266 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3619% | 4,249 |
| Cost of funding earning assets | 0.4388% | 3,350 |
| Net interest margin | 2.9230% | 4,069 |
| Noninterest income to average assets | 0.3796% | 3,213 |
| Noninterest expense to average assets | 1.7660% | 4,525 |
| Loan and lease loss provision to assets | 0.0969% | 3,132 |
| Net operating income to assets | 1.3531% | 1,118 |
| Return on assets (ROA) | 1.4855% | 915 |
| Pretax return on assets | 1.4855% | 1,383 |
| Return on Equity (ROE) | 12.3609% | 1,215 |
| Retained earnings to average equity (ytd only) | 5.0608% | 2,250 |
| Net charge-offs to loans | -0.0076% | 4,208 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9136% | 4,100 |
| Assets per employee ($millions) | 8.0816% | 1,014 |
| Cash dividends to net income (ytd only)* | 59.0580% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,533 |
| Loan loss allowance to noncurrent loans | 18,756.2500% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,451 |
| Noncurrent loans to loans | 0.0081% | 4,353 |
| Net loans and leases to total assets | 39.5597% | 4,456 |
| Net loans and leases to deposits | 45.0094% | 4,496 |
| Net loans and leases to core deposits | 54.9560% | 4,211 |
| Total domestic deposits to total assets | 87.8921% | 1,536 |
| Equity capital to assets | 11.8517% | 1,647 |
| Core capital (leverage) ratio | 10.3851% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $464,488,000 | 1,649 |
| Average earning assets | $450,732,000 | 1,595 |
| Average equity | $55,821,400 | 1,534 |
| Average total loans | $197,950,200 | 2,255 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 4,273 |
| Cost of funding earning assets | 0.4798% | 3,361 |
| Net interest margin | 2.9798% | 4,022 |
| Noninterest income to average assets | 0.3326% | 3,490 |
| Noninterest expense to average assets | 1.7949% | 4,510 |
| Loan and lease loss provision to assets | 0.0875% | 3,217 |
| Net operating income to assets | 1.3398% | 1,261 |
| Return on assets (ROA) | 1.5214% | 939 |
| Pretax return on assets | 1.5214% | 1,401 |
| Return on Equity (ROE) | 12.6128% | 1,219 |
| Retained earnings to average equity (ytd only) | 8.9273% | 1,000 |
| Net charge-offs to loans | -0.0061% | 4,099 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7043% | 3,956 |
| Assets per employee ($millions) | 7.9111% | 1,036 |
| Cash dividends to net income (ytd only)* | 29.2202% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 1,899 |
| Loan loss allowance to noncurrent loans | 14,968.4211% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,511 |
| Noncurrent loans to loans | 0.0091% | 4,411 |
| Net loans and leases to total assets | 43.3025% | 4,447 |
| Net loans and leases to deposits | 49.5784% | 4,499 |
| Net loans and leases to core deposits | 61.2347% | 4,146 |
| Total domestic deposits to total assets | 87.3415% | 1,524 |
| Equity capital to assets | 12.3195% | 1,500 |
| Core capital (leverage) ratio | 11.1368% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $457,366,000 | 1,654 |
| Average earning assets | $443,502,250 | 1,597 |
| Average equity | $55,170,250 | 1,543 |
| Average total loans | $197,932,500 | 2,251 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 4,420 |
| Cost of funding earning assets | 0.5234% | 3,394 |
| Net interest margin | 2.9694% | 4,190 |
| Noninterest income to average assets | 0.3401% | 3,437 |
| Noninterest expense to average assets | 1.8229% | 4,534 |
| Loan and lease loss provision to assets | 0.0664% | 3,465 |
| Net operating income to assets | 1.3304% | 1,277 |
| Return on assets (ROA) | 1.3397% | 1,346 |
| Pretax return on assets | 1.3397% | 1,905 |
| Return on Equity (ROE) | 11.1895% | 1,574 |
| Retained earnings to average equity (ytd only) | 7.3980% | 1,505 |
| Net charge-offs to loans | -0.0041% | 3,953 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6162% | 3,875 |
| Assets per employee ($millions) | 7.4996% | 1,178 |
| Cash dividends to net income (ytd only)* | 33.8843% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 1,826 |
| Loan loss allowance to noncurrent loans | 12,222.7273% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 4,441 |
| Noncurrent loans to loans | 0.0110% | 4,471 |
| Net loans and leases to total assets | 42.5747% | 4,513 |
| Net loans and leases to deposits | 48.7997% | 4,576 |
| Net loans and leases to core deposits | 60.3842% | 4,241 |
| Total domestic deposits to total assets | 87.2438% | 1,527 |
| Equity capital to assets | 12.4562% | 1,395 |
| Core capital (leverage) ratio | 10.8710% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,600,333 | 1,651 |
| Average earning assets | $437,935,333 | 1,587 |
| Average equity | $54,068,333 | 1,555 |
| Average total loans | $194,448,333 | 2,259 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 4,636 |
| Cost of funding earning assets | 0.5659% | 3,609 |
| Net interest margin | 2.9272% | 4,390 |
| Noninterest income to average assets | 0.3632% | 3,340 |
| Noninterest expense to average assets | 1.8116% | 4,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3881% | 1,016 |
| Return on assets (ROA) | 1.3971% | 1,065 |
| Pretax return on assets | 1.3971% | 1,572 |
| Return on Equity (ROE) | 11.9209% | 1,124 |
| Retained earnings to average equity (ytd only) | 7.8936% | 1,258 |
| Net charge-offs to loans | -0.0105% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6170% | 4,148 |
| Assets per employee ($millions) | 7.4984% | 895 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,050 |
| Loan loss allowance to noncurrent loans | 9,769.2308% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 4,064 |
| Noncurrent loans to loans | 0.0135% | 4,514 |
| Net loans and leases to total assets | 42.1946% | 4,585 |
| Net loans and leases to deposits | 48.1860% | 4,654 |
| Net loans and leases to core deposits | 60.3745% | 4,338 |
| Total domestic deposits to total assets | 87.5661% | 1,295 |
| Equity capital to assets | 12.1694% | 1,949 |
| Core capital (leverage) ratio | 11.2325% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $444,914,000 | 1,630 |
| Average earning assets | $431,135,500 | 1,548 |
| Average equity | $52,143,500 | 1,595 |
| Average total loans | $191,347,500 | 2,249 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 4,571 |
| Cost of funding earning assets | 0.5454% | 3,898 |
| Net interest margin | 3.2521% | 4,078 |
| Noninterest income to average assets | 0.4128% | 3,214 |
| Noninterest expense to average assets | 2.0557% | 4,440 |
| Loan and lease loss provision to assets | -0.0506% | 5,021 |
| Net operating income to assets | 1.5427% | 955 |
| Return on assets (ROA) | 1.5465% | 1,008 |
| Pretax return on assets | 1.5465% | 1,669 |
| Return on Equity (ROE) | 12.7774% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.2556% | 2,832 |
| Net charge-offs to loans | -0.0020% | 4,226 |
| Credit loss provision to net charge-offs | 5,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9439% | 3,971 |
| Assets per employee ($millions) | 7.0955% | 1,005 |
| Cash dividends to net income (ytd only)* | 66.6939% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,786 |
| Loan loss allowance to noncurrent loans | 585.4503% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 4,049 |
| Noncurrent loans to loans | 0.2275% | 3,632 |
| Net loans and leases to total assets | 42.6857% | 4,655 |
| Net loans and leases to deposits | 48.2446% | 4,738 |
| Net loans and leases to core deposits | 59.3063% | 4,471 |
| Total domestic deposits to total assets | 88.4777% | 897 |
| Equity capital to assets | 11.2602% | 2,750 |
| Core capital (leverage) ratio | 11.4705% | 2,132 |
| Tier 1 risk-based capital ratio | 19.6787% | 1,374 |
| Total risk-based capital ratio | 20.7064% | 1,385 |
| Memoranda: | ||
| Average total assets | $395,095,000 | 1,754 |
| Average earning assets | $380,855,800 | 1,704 |
| Average equity | $47,818,800 | 1,664 |
| Average total loans | $200,420,400 | 2,163 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 4,582 |
| Cost of funding earning assets | 0.5308% | 4,020 |
| Net interest margin | 3.3353% | 4,027 |
| Noninterest income to average assets | 0.4251% | 3,177 |
| Noninterest expense to average assets | 2.1145% | 4,337 |
| Loan and lease loss provision to assets | -0.0695% | 5,139 |
| Net operating income to assets | 1.5924% | 949 |
| Return on assets (ROA) | 1.5976% | 980 |
| Pretax return on assets | 1.5976% | 1,645 |
| Return on Equity (ROE) | 12.9421% | 1,295 |
| Retained earnings to average equity (ytd only) | 6.4710% | 2,134 |
| Net charge-offs to loans | -0.0007% | 3,982 |
| Credit loss provision to net charge-offs | 20,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1304% | 3,917 |
| Assets per employee ($millions) | 6.4877% | 1,280 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,150 |
| Loan loss allowance to noncurrent loans | 570.2703% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 4,061 |
| Noncurrent loans to loans | 0.2217% | 3,751 |
| Net loans and leases to total assets | 49.9764% | 4,430 |
| Net loans and leases to deposits | 57.5686% | 4,488 |
| Net loans and leases to core deposits | 66.7308% | 4,233 |
| Total domestic deposits to total assets | 86.8119% | 1,613 |
| Equity capital to assets | 12.7757% | 1,742 |
| Core capital (leverage) ratio | 12.6098% | 1,523 |
| Tier 1 risk-based capital ratio | 19.5361% | 1,452 |
| Total risk-based capital ratio | 20.5496% | 1,476 |
| Memoranda: | ||
| Average total assets | $383,888,250 | 1,802 |
| Average earning assets | $369,729,000 | 1,763 |
| Average equity | $47,389,500 | 1,676 |
| Average total loans | $202,945,750 | 2,161 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,593 |
| Cost of funding earning assets | 0.4976% | 4,124 |
| Net interest margin | 3.3801% | 3,957 |
| Noninterest income to average assets | 0.4295% | 3,073 |
| Noninterest expense to average assets | 2.1309% | 4,361 |
| Loan and lease loss provision to assets | -0.1053% | 5,212 |
| Net operating income to assets | 1.6582% | 795 |
| Return on assets (ROA) | 1.6619% | 822 |
| Pretax return on assets | 1.6619% | 1,360 |
| Return on Equity (ROE) | 13.6275% | 1,069 |
| Retained earnings to average equity (ytd only) | 6.2893% | 2,148 |
| Net charge-offs to loans | -0.0039% | 4,071 |
| Credit loss provision to net charge-offs | 5,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8451% | 4,035 |
| Assets per employee ($millions) | 6.1092% | 1,464 |
| Cash dividends to net income (ytd only)* | 53.8486% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,301 |
| Loan loss allowance to noncurrent loans | 470.3154% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,052 |
| Noncurrent loans to loans | 0.2638% | 3,584 |
| Net loans and leases to total assets | 53.2785% | 4,271 |
| Net loans and leases to deposits | 61.4003% | 4,358 |
| Net loans and leases to core deposits | 69.0842% | 4,146 |
| Total domestic deposits to total assets | 86.7724% | 1,697 |
| Equity capital to assets | 12.9639% | 1,603 |
| Core capital (leverage) ratio | 12.5392% | 1,516 |
| Tier 1 risk-based capital ratio | 19.3202% | 1,479 |
| Total risk-based capital ratio | 20.3413% | 1,493 |
| Memoranda: | ||
| Average total assets | $379,934,000 | 1,829 |
| Average earning assets | $365,787,000 | 1,778 |
| Average equity | $46,332,670 | 1,705 |
| Average total loans | $203,823,000 | 2,160 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 4,714 |
| Cost of funding earning assets | 0.4824% | 4,143 |
| Net interest margin | 3.3134% | 4,132 |
| Noninterest income to average assets | 0.4362% | 2,936 |
| Noninterest expense to average assets | 2.1150% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5127% | 1,082 |
| Return on assets (ROA) | 1.5127% | 1,110 |
| Pretax return on assets | 1.5127% | 1,718 |
| Return on Equity (ROE) | 12.8061% | 1,280 |
| Retained earnings to average equity (ytd only) | 4.7967% | 2,997 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3019% | 4,041 |
| Assets per employee ($millions) | 6.4172% | 1,275 |
| Cash dividends to net income (ytd only)* | 62.5434% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 1,912 |
| Loan loss allowance to noncurrent loans | 767.1348% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 4,349 |
| Noncurrent loans to loans | 0.1748% | 3,966 |
| Net loans and leases to total assets | 52.1975% | 4,323 |
| Net loans and leases to deposits | 60.0008% | 4,414 |
| Net loans and leases to core deposits | 67.8635% | 4,185 |
| Total domestic deposits to total assets | 86.9946% | 1,818 |
| Equity capital to assets | 12.0172% | 2,012 |
| Core capital (leverage) ratio | 12.3267% | 1,592 |
| Tier 1 risk-based capital ratio | 18.6231% | 1,627 |
| Total risk-based capital ratio | 19.7041% | 1,622 |
| Memoranda: | ||
| Average total assets | $380,517,000 | 1,835 |
| Average earning assets | $366,509,500 | 1,790 |
| Average equity | $44,947,500 | 1,733 |
| Average total loans | $203,566,000 | 2,186 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 4,668 |
| Cost of funding earning assets | 0.4006% | 3,985 |
| Net interest margin | 3.3014% | 4,256 |
| Noninterest income to average assets | 0.3358% | 3,867 |
| Noninterest expense to average assets | 2.0346% | 4,688 |
| Loan and lease loss provision to assets | 0.0642% | 2,873 |
| Net operating income to assets | 1.4219% | 1,356 |
| Return on assets (ROA) | 1.4235% | 1,350 |
| Pretax return on assets | 1.4235% | 2,063 |
| Return on Equity (ROE) | 13.0465% | 1,330 |
| Retained earnings to average equity (ytd only) | 4.9278% | 2,806 |
| Net charge-offs to loans | 0.0053% | 3,520 |
| Credit loss provision to net charge-offs | 2,272.7273% | 200 |
| Earnings coverage of net charge-offs (x) | 526.1818% | 204 |
| Efficiency ratio | 57.7888% | 4,185 |
| Assets per employee ($millions) | 6.2667% | 1,346 |
| Cash dividends to net income (ytd only)* | 62.2294% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 1,862 |
| Loan loss allowance to noncurrent loans | 137.0296% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,471 |
| Noncurrent loans to loans | 0.9797% | 1,658 |
| Net loans and leases to total assets | 53.3755% | 4,322 |
| Net loans and leases to deposits | 61.6750% | 4,392 |
| Net loans and leases to core deposits | 70.2899% | 4,103 |
| Total domestic deposits to total assets | 86.5432% | 1,991 |
| Equity capital to assets | 11.6023% | 2,175 |
| Core capital (leverage) ratio | 12.1983% | 1,614 |
| Tier 1 risk-based capital ratio | 18.7841% | 1,551 |
| Total risk-based capital ratio | 19.8872% | 1,546 |
| Memoranda: | ||
| Average total assets | $389,468,200 | 1,763 |
| Average earning assets | $375,723,200 | 1,697 |
| Average equity | $42,494,000 | 1,760 |
| Average total loans | $207,560,800 | 2,115 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 4,684 |
| Cost of funding earning assets | 0.3874% | 3,954 |
| Net interest margin | 3.2954% | 4,290 |
| Noninterest income to average assets | 0.3078% | 4,085 |
| Noninterest expense to average assets | 2.0025% | 4,739 |
| Loan and lease loss provision to assets | 0.0849% | 2,270 |
| Net operating income to assets | 1.3994% | 1,496 |
| Return on assets (ROA) | 1.4011% | 1,488 |
| Pretax return on assets | 1.4011% | 2,227 |
| Return on Equity (ROE) | 13.0388% | 1,421 |
| Retained earnings to average equity (ytd only) | 7.9850% | 1,663 |
| Net charge-offs to loans | -0.0090% | 4,363 |
| Credit loss provision to net charge-offs | -1,785.7143% | 4,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4321% | 4,192 |
| Assets per employee ($millions) | 6.3661% | 1,253 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 1,966 |
| Loan loss allowance to noncurrent loans | 127.8293% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 2,497 |
| Noncurrent loans to loans | 1.0399% | 1,641 |
| Net loans and leases to total assets | 53.5586% | 4,390 |
| Net loans and leases to deposits | 61.6508% | 4,459 |
| Net loans and leases to core deposits | 71.5674% | 4,105 |
| Total domestic deposits to total assets | 86.8741% | 1,788 |
| Equity capital to assets | 11.0118% | 2,655 |
| Core capital (leverage) ratio | 12.1006% | 1,726 |
| Tier 1 risk-based capital ratio | 19.3494% | 1,462 |
| Total risk-based capital ratio | 20.4854% | 1,454 |
| Memoranda: | ||
| Average total assets | $392,834,750 | 1,752 |
| Average earning assets | $378,947,750 | 1,686 |
| Average equity | $42,211,250 | 1,773 |
| Average total loans | $208,595,000 | 2,114 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 4,679 |
| Cost of funding earning assets | 0.3683% | 3,950 |
| Net interest margin | 3.2864% | 4,288 |
| Noninterest income to average assets | 0.2790% | 4,320 |
| Noninterest expense to average assets | 1.9614% | 4,860 |
| Loan and lease loss provision to assets | 0.1261% | 1,574 |
| Net operating income to assets | 1.3651% | 1,551 |
| Return on assets (ROA) | 1.3671% | 1,549 |
| Pretax return on assets | 1.3671% | 2,264 |
| Return on Equity (ROE) | 12.8250% | 1,432 |
| Retained earnings to average equity (ytd only) | 7.3826% | 1,890 |
| Net charge-offs to loans | -0.0067% | 4,180 |
| Credit loss provision to net charge-offs | -3,571.4286% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8089% | 4,385 |
| Assets per employee ($millions) | 6.1354% | 1,377 |
| Cash dividends to net income (ytd only)* | 42.4354% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,272 |
| Loan loss allowance to noncurrent loans | 95.3190% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 1,924 |
| Noncurrent loans to loans | 1.3422% | 1,266 |
| Net loans and leases to total assets | 54.8775% | 4,260 |
| Net loans and leases to deposits | 62.8726% | 4,364 |
| Net loans and leases to core deposits | 73.8000% | 3,891 |
| Total domestic deposits to total assets | 87.2836% | 1,729 |
| Equity capital to assets | 10.9003% | 2,731 |
| Core capital (leverage) ratio | 11.7486% | 1,871 |
| Tier 1 risk-based capital ratio | 17.9807% | 1,804 |
| Total risk-based capital ratio | 19.0559% | 1,820 |
| Memoranda: | ||
| Average total assets | $396,458,670 | 1,744 |
| Average earning assets | $382,852,330 | 1,675 |
| Average equity | $42,261,330 | 1,778 |
| Average total loans | $209,016,670 | 2,110 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 4,933 |
| Cost of funding earning assets | 0.3589% | 3,921 |
| Net interest margin | 3.1041% | 4,702 |
| Noninterest income to average assets | 0.4544% | 3,088 |
| Noninterest expense to average assets | 1.9192% | 4,994 |
| Loan and lease loss provision to assets | 0.1495% | 1,218 |
| Net operating income to assets | 1.3851% | 1,385 |
| Return on assets (ROA) | 1.3861% | 1,397 |
| Pretax return on assets | 1.3861% | 2,060 |
| Return on Equity (ROE) | 13.1457% | 1,221 |
| Retained earnings to average equity (ytd only) | 7.2391% | 2,167 |
| Net charge-offs to loans | -0.0194% | 4,540 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5684% | 4,638 |
| Assets per employee ($millions) | 6.6400% | 1,128 |
| Cash dividends to net income (ytd only)* | 44.9317% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,257 |
| Loan loss allowance to noncurrent loans | 104.4094% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 2,291 |
| Noncurrent loans to loans | 1.2437% | 1,461 |
| Net loans and leases to total assets | 51.4548% | 4,473 |
| Net loans and leases to deposits | 58.6020% | 4,561 |
| Net loans and leases to core deposits | 68.8347% | 4,167 |
| Total domestic deposits to total assets | 87.8040% | 1,732 |
| Equity capital to assets | 10.6504% | 2,923 |
| Core capital (leverage) ratio | 11.6254% | 1,912 |
| Tier 1 risk-based capital ratio | 17.9699% | 1,845 |
| Total risk-based capital ratio | 19.0247% | 1,848 |
| Memoranda: | ||
| Average total assets | $401,422,000 | 1,730 |
| Average earning assets | $387,876,000 | 1,657 |
| Average equity | $42,325,500 | 1,782 |
| Average total loans | $206,091,000 | 2,150 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2840% | 5,101 |
| Cost of funding earning assets | 0.3102% | 4,038 |
| Net interest margin | 2.9737% | 4,938 |
| Noninterest income to average assets | 0.4026% | 3,625 |
| Noninterest expense to average assets | 1.8753% | 5,147 |
| Loan and lease loss provision to assets | 0.0712% | 2,779 |
| Net operating income to assets | 1.3326% | 1,157 |
| Return on assets (ROA) | 1.3264% | 1,188 |
| Pretax return on assets | 1.3264% | 2,262 |
| Return on Equity (ROE) | 12.6140% | 1,055 |
| Retained earnings to average equity (ytd only) | 5.2471% | 1,965 |
| Net charge-offs to loans | 0.0010% | 4,094 |
| Credit loss provision to net charge-offs | 14,250.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 2,809.0000% | 20 |
| Efficiency ratio | 57.1897% | 4,623 |
| Assets per employee ($millions) | 7.2120% | 880 |
| Cash dividends to net income (ytd only)* | 58.4024% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 2,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 4,895 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 49.9797% | 4,651 |
| Net loans and leases to deposits | 59.1164% | 4,632 |
| Net loans and leases to core deposits | 68.9573% | 4,236 |
| Total domestic deposits to total assets | 84.5446% | 3,021 |
| Equity capital to assets | 10.4424% | 3,223 |
| Core capital (leverage) ratio | 10.7752% | 2,558 |
| Tier 1 risk-based capital ratio | 17.6213% | 1,914 |
| Total risk-based capital ratio | 18.6101% | 1,929 |
| Memoranda: | ||
| Average total assets | $400,192,800 | 1,702 |
| Average earning assets | $387,121,000 | 1,641 |
| Average equity | $42,080,200 | 1,770 |
| Average total loans | $193,413,400 | 2,215 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 5,179 |
| Cost of funding earning assets | 0.2927% | 4,201 |
| Net interest margin | 2.9497% | 5,019 |
| Noninterest income to average assets | 0.4062% | 3,645 |
| Noninterest expense to average assets | 1.9120% | 5,117 |
| Loan and lease loss provision to assets | 0.0453% | 3,193 |
| Net operating income to assets | 1.2985% | 1,339 |
| Return on assets (ROA) | 1.3046% | 1,355 |
| Pretax return on assets | 1.3046% | 2,463 |
| Return on Equity (ROE) | 12.3845% | 1,221 |
| Retained earnings to average equity (ytd only) | 6.9708% | 1,705 |
| Net charge-offs to loans | -0.0133% | 4,725 |
| Credit loss provision to net charge-offs | -710.5263% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7266% | 4,399 |
| Assets per employee ($millions) | 7.0049% | 951 |
| Cash dividends to net income (ytd only)* | 43.7131% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 3,275 |
| Loan loss allowance to noncurrent loans | 9,088.4615% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 4,962 |
| Noncurrent loans to loans | 0.0125% | 5,093 |
| Net loans and leases to total assets | 49.7416% | 4,717 |
| Net loans and leases to deposits | 60.6709% | 4,598 |
| Net loans and leases to core deposits | 71.5616% | 4,157 |
| Total domestic deposits to total assets | 81.9859% | 3,783 |
| Equity capital to assets | 10.5395% | 3,329 |
| Core capital (leverage) ratio | 10.9395% | 2,514 |
| Tier 1 risk-based capital ratio | 17.8071% | 1,909 |
| Total risk-based capital ratio | 18.7549% | 1,953 |
| Memoranda: | ||
| Average total assets | $397,469,750 | 1,724 |
| Average earning assets | $383,978,750 | 1,662 |
| Average equity | $41,868,500 | 1,797 |
| Average total loans | $189,779,000 | 2,257 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 5,268 |
| Cost of funding earning assets | 0.2656% | 4,413 |
| Net interest margin | 2.9109% | 5,077 |
| Noninterest income to average assets | 0.4278% | 3,503 |
| Noninterest expense to average assets | 1.8883% | 5,202 |
| Loan and lease loss provision to assets | 0.0459% | 3,070 |
| Net operating income to assets | 1.3106% | 1,271 |
| Return on assets (ROA) | 1.3116% | 1,297 |
| Pretax return on assets | 1.3116% | 2,345 |
| Return on Equity (ROE) | 12.4537% | 1,176 |
| Retained earnings to average equity (ytd only) | 6.6433% | 1,774 |
| Net charge-offs to loans | -0.0131% | 4,625 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1958% | 4,564 |
| Assets per employee ($millions) | 6.7514% | 1,033 |
| Cash dividends to net income (ytd only)* | 46.6563% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,848 |
| Loan loss allowance to noncurrent loans | 3,788.5246% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,943 |
| Noncurrent loans to loans | 0.0324% | 5,029 |
| Net loans and leases to total assets | 46.6720% | 4,903 |
| Net loans and leases to deposits | 54.5295% | 4,931 |
| Net loans and leases to core deposits | 64.3497% | 4,577 |
| Total domestic deposits to total assets | 85.5904% | 2,579 |
| Equity capital to assets | 10.6951% | 3,138 |
| Core capital (leverage) ratio | 10.9478% | 2,460 |
| Tier 1 risk-based capital ratio | 18.7066% | 1,664 |
| Total risk-based capital ratio | 19.6987% | 1,693 |
| Memoranda: | ||
| Average total assets | $392,195,670 | 1,753 |
| Average earning assets | $379,538,000 | 1,684 |
| Average equity | $41,305,000 | 1,820 |
| Average total loans | $183,725,000 | 2,315 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 5,320 |
| Cost of funding earning assets | 0.2519% | 4,518 |
| Net interest margin | 2.8886% | 5,109 |
| Noninterest income to average assets | 0.4482% | 3,320 |
| Noninterest expense to average assets | 1.9017% | 5,236 |
| Loan and lease loss provision to assets | 0.0463% | 2,878 |
| Net operating income to assets | 1.2942% | 1,254 |
| Return on assets (ROA) | 1.2962% | 1,285 |
| Pretax return on assets | 1.2962% | 2,247 |
| Return on Equity (ROE) | 12.4064% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.2412% | 1,770 |
| Net charge-offs to loans | -0.0154% | 4,606 |
| Credit loss provision to net charge-offs | -642.8571% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6557% | 4,635 |
| Assets per employee ($millions) | 6.3760% | 1,246 |
| Cash dividends to net income (ytd only)* | 41.6336% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 3,017 |
| Loan loss allowance to noncurrent loans | 8,075.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 5,035 |
| Noncurrent loans to loans | 0.0151% | 5,181 |
| Net loans and leases to total assets | 46.3494% | 4,922 |
| Net loans and leases to deposits | 51.8572% | 5,041 |
| Net loans and leases to core deposits | 60.7545% | 4,735 |
| Total domestic deposits to total assets | 89.3790% | 959 |
| Equity capital to assets | 10.4424% | 3,246 |
| Core capital (leverage) ratio | 11.1300% | 2,250 |
| Tier 1 risk-based capital ratio | 18.9869% | 1,619 |
| Total risk-based capital ratio | 19.9866% | 1,636 |
| Memoranda: | ||
| Average total assets | $389,128,000 | 1,775 |
| Average earning assets | $376,373,500 | 1,705 |
| Average equity | $40,656,500 | 1,847 |
| Average total loans | $181,477,500 | 2,350 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0830% | 5,424 |
| Cost of funding earning assets | 0.2616% | 4,446 |
| Net interest margin | 2.8214% | 5,263 |
| Noninterest income to average assets | 0.4486% | 3,557 |
| Noninterest expense to average assets | 1.9628% | 5,261 |
| Loan and lease loss provision to assets | 0.0345% | 3,672 |
| Net operating income to assets | 1.1844% | 1,553 |
| Return on assets (ROA) | 1.2099% | 1,559 |
| Pretax return on assets | 1.2099% | 2,622 |
| Return on Equity (ROE) | 11.2449% | 1,489 |
| Retained earnings to average equity (ytd only) | 4.3593% | 2,799 |
| Net charge-offs to loans | -0.0129% | 5,003 |
| Credit loss provision to net charge-offs | -586.9565% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6910% | 4,311 |
| Assets per employee ($millions) | 6.2778% | 1,275 |
| Cash dividends to net income (ytd only)* | 61.2331% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,852 |
| Loan loss allowance to noncurrent loans | 290.6579% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,282 |
| Noncurrent loans to loans | 0.4282% | 3,605 |
| Net loans and leases to total assets | 45.7665% | 5,031 |
| Net loans and leases to deposits | 52.1918% | 5,111 |
| Net loans and leases to core deposits | 60.5574% | 4,834 |
| Total domestic deposits to total assets | 87.6891% | 1,797 |
| Equity capital to assets | 10.4540% | 3,206 |
| Core capital (leverage) ratio | 10.8168% | 2,519 |
| Tier 1 risk-based capital ratio | 19.3600% | 1,512 |
| Total risk-based capital ratio | 20.3733% | 1,528 |
| Memoranda: | ||
| Average total assets | $391,426,000 | 1,715 |
| Average earning assets | $379,172,200 | 1,640 |
| Average equity | $42,117,000 | 1,758 |
| Average total loans | $178,372,600 | 2,329 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 5,498 |
| Cost of funding earning assets | 0.2622% | 4,478 |
| Net interest margin | 2.8133% | 5,338 |
| Noninterest income to average assets | 0.4455% | 3,588 |
| Noninterest expense to average assets | 1.9101% | 5,360 |
| Loan and lease loss provision to assets | 0.0305% | 3,626 |
| Net operating income to assets | 1.2308% | 1,514 |
| Return on assets (ROA) | 1.2623% | 1,506 |
| Pretax return on assets | 1.2623% | 2,565 |
| Return on Equity (ROE) | 11.6513% | 1,432 |
| Retained earnings to average equity (ytd only) | 7.2735% | 1,491 |
| Net charge-offs to loans | -0.0119% | 4,841 |
| Credit loss provision to net charge-offs | -562.5000% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2286% | 4,507 |
| Assets per employee ($millions) | 6.4891% | 1,116 |
| Cash dividends to net income (ytd only)* | 37.5738% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 3,607 |
| Loan loss allowance to noncurrent loans | 284.9406% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 4,454 |
| Noncurrent loans to loans | 0.4002% | 3,840 |
| Net loans and leases to total assets | 47.2398% | 5,008 |
| Net loans and leases to deposits | 55.9638% | 4,999 |
| Net loans and leases to core deposits | 64.2899% | 4,713 |
| Total domestic deposits to total assets | 84.4113% | 3,061 |
| Equity capital to assets | 11.1781% | 2,818 |
| Core capital (leverage) ratio | 10.8196% | 2,659 |
| Tier 1 risk-based capital ratio | 18.4949% | 1,791 |
| Total risk-based capital ratio | 19.4293% | 1,837 |
| Memoranda: | ||
| Average total assets | $393,546,000 | 1,713 |
| Average earning assets | $381,317,750 | 1,639 |
| Average equity | $42,638,000 | 1,743 |
| Average total loans | $178,598,250 | 2,327 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0614% | 5,583 |
| Cost of funding earning assets | 0.2564% | 4,590 |
| Net interest margin | 2.8049% | 5,420 |
| Noninterest income to average assets | 0.4389% | 3,603 |
| Noninterest expense to average assets | 1.9064% | 5,441 |
| Loan and lease loss provision to assets | 0.0229% | 3,669 |
| Net operating income to assets | 1.2333% | 1,493 |
| Return on assets (ROA) | 1.2786% | 1,450 |
| Pretax return on assets | 1.2786% | 2,491 |
| Return on Equity (ROE) | 11.9283% | 1,350 |
| Retained earnings to average equity (ytd only) | 7.4154% | 1,426 |
| Net charge-offs to loans | -0.0149% | 4,835 |
| Credit loss provision to net charge-offs | -346.1538% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2801% | 4,608 |
| Assets per employee ($millions) | 6.3586% | 1,165 |
| Cash dividends to net income (ytd only)* | 37.8335% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 3,611 |
| Loan loss allowance to noncurrent loans | 261.6625% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 4,480 |
| Noncurrent loans to loans | 0.4413% | 3,787 |
| Net loans and leases to total assets | 45.0689% | 5,175 |
| Net loans and leases to deposits | 53.5021% | 5,161 |
| Net loans and leases to core deposits | 61.5373% | 4,909 |
| Total domestic deposits to total assets | 84.2376% | 3,181 |
| Equity capital to assets | 11.0014% | 3,058 |
| Core capital (leverage) ratio | 10.6659% | 2,773 |
| Tier 1 risk-based capital ratio | 18.8992% | 1,713 |
| Total risk-based capital ratio | 19.8498% | 1,741 |
| Memoranda: | ||
| Average total assets | $392,782,000 | 1,718 |
| Average earning assets | $381,399,000 | 1,638 |
| Average equity | $42,101,670 | 1,761 |
| Average total loans | $175,081,000 | 2,361 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0486% | 5,645 |
| Cost of funding earning assets | 0.2563% | 4,637 |
| Net interest margin | 2.7923% | 5,474 |
| Noninterest income to average assets | 0.4598% | 3,419 |
| Noninterest expense to average assets | 1.9451% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2271% | 1,465 |
| Return on assets (ROA) | 1.3043% | 1,324 |
| Pretax return on assets | 1.3043% | 2,282 |
| Return on Equity (ROE) | 12.3355% | 1,208 |
| Retained earnings to average equity (ytd only) | 7.9578% | 1,473 |
| Net charge-offs to loans | -0.0163% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3165% | 4,554 |
| Assets per employee ($millions) | 6.3215% | 1,205 |
| Cash dividends to net income (ytd only)* | 35.4890% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 3,602 |
| Loan loss allowance to noncurrent loans | 235.2000% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 4,445 |
| Noncurrent loans to loans | 0.5015% | 3,674 |
| Net loans and leases to total assets | 43.9940% | 5,238 |
| Net loans and leases to deposits | 49.4436% | 5,369 |
| Net loans and leases to core deposits | 56.4304% | 5,117 |
| Total domestic deposits to total assets | 88.9782% | 1,114 |
| Equity capital to assets | 10.8345% | 3,127 |
| Core capital (leverage) ratio | 10.6682% | 2,775 |
| Tier 1 risk-based capital ratio | 18.9467% | 1,747 |
| Total risk-based capital ratio | 19.8934% | 1,772 |
| Memoranda: | ||
| Average total assets | $388,876,500 | 1,732 |
| Average earning assets | $377,746,500 | 1,653 |
| Average equity | $41,117,000 | 1,798 |
| Average total loans | $171,295,500 | 2,394 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 5,641 |
| Cost of funding earning assets | 0.2752% | 4,534 |
| Net interest margin | 2.8174% | 5,480 |
| Noninterest income to average assets | 0.4530% | 3,642 |
| Noninterest expense to average assets | 1.9470% | 5,548 |
| Loan and lease loss provision to assets | 0.0349% | 3,646 |
| Net operating income to assets | 1.2002% | 1,546 |
| Return on assets (ROA) | 1.2321% | 1,503 |
| Pretax return on assets | 1.2321% | 2,535 |
| Return on Equity (ROE) | 12.1440% | 1,267 |
| Retained earnings to average equity (ytd only) | 5.5107% | 2,079 |
| Net charge-offs to loans | -0.0049% | 4,973 |
| Credit loss provision to net charge-offs | -1,687.5000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1843% | 4,734 |
| Assets per employee ($millions) | 6.2229% | 1,244 |
| Cash dividends to net income (ytd only)* | 54.6218% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 3,361 |
| Loan loss allowance to noncurrent loans | 246.8111% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 4,502 |
| Noncurrent loans to loans | 0.4943% | 3,713 |
| Net loans and leases to total assets | 43.0395% | 5,345 |
| Net loans and leases to deposits | 49.1294% | 5,432 |
| Net loans and leases to core deposits | 56.8672% | 5,160 |
| Total domestic deposits to total assets | 87.6043% | 1,844 |
| Equity capital to assets | 10.3079% | 3,615 |
| Core capital (leverage) ratio | 10.4374% | 3,004 |
| Tier 1 risk-based capital ratio | 19.5146% | 1,582 |
| Total risk-based capital ratio | 20.5068% | 1,604 |
| Memoranda: | ||
| Average total assets | $386,345,200 | 1,700 |
| Average earning assets | $374,249,800 | 1,626 |
| Average equity | $39,196,400 | 1,834 |
| Average total loans | $162,351,800 | 2,437 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1137% | 5,691 |
| Cost of funding earning assets | 0.2790% | 4,571 |
| Net interest margin | 2.8347% | 5,524 |
| Noninterest income to average assets | 0.4340% | 3,840 |
| Noninterest expense to average assets | 1.9223% | 5,607 |
| Loan and lease loss provision to assets | 0.0310% | 3,618 |
| Net operating income to assets | 1.2251% | 1,571 |
| Return on assets (ROA) | 1.2602% | 1,514 |
| Pretax return on assets | 1.2602% | 2,553 |
| Return on Equity (ROE) | 12.4716% | 1,245 |
| Retained earnings to average equity (ytd only) | 7.7773% | 1,342 |
| Net charge-offs to loans | 0.0141% | 3,683 |
| Credit loss provision to net charge-offs | 529.4118% | 621 |
| Earnings coverage of net charge-offs (x) | 214.1398% | 335 |
| Efficiency ratio | 60.4798% | 4,817 |
| Assets per employee ($millions) | 6.3493% | 1,153 |
| Cash dividends to net income (ytd only)* | 37.6404% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,979 |
| Loan loss allowance to noncurrent loans | 234.9941% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 4,688 |
| Noncurrent loans to loans | 0.4865% | 3,898 |
| Net loans and leases to total assets | 43.5148% | 5,385 |
| Net loans and leases to deposits | 50.0178% | 5,468 |
| Net loans and leases to core deposits | 59.5882% | 5,094 |
| Total domestic deposits to total assets | 86.9986% | 2,040 |
| Equity capital to assets | 10.4128% | 3,695 |
| Core capital (leverage) ratio | 10.4677% | 3,074 |
| Tier 1 risk-based capital ratio | 19.4478% | 1,674 |
| Total risk-based capital ratio | 20.4000% | 1,702 |
| Memoranda: | ||
| Average total assets | $386,476,500 | 1,714 |
| Average earning assets | $374,169,000 | 1,640 |
| Average equity | $39,053,000 | 1,858 |
| Average total loans | $160,913,250 | 2,466 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 5,723 |
| Cost of funding earning assets | 0.2841% | 4,565 |
| Net interest margin | 2.8342% | 5,546 |
| Noninterest income to average assets | 0.4390% | 3,778 |
| Noninterest expense to average assets | 1.8965% | 5,714 |
| Loan and lease loss provision to assets | 0.0234% | 3,667 |
| Net operating income to assets | 1.2669% | 1,409 |
| Return on assets (ROA) | 1.3034% | 1,371 |
| Pretax return on assets | 1.3034% | 2,351 |
| Return on Equity (ROE) | 13.0341% | 1,108 |
| Retained earnings to average equity (ytd only) | 8.0871% | 1,231 |
| Net charge-offs to loans | 0.0051% | 3,719 |
| Credit loss provision to net charge-offs | 1,125.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 619.5000% | 106 |
| Efficiency ratio | 59.5098% | 5,048 |
| Assets per employee ($millions) | 5.9896% | 1,362 |
| Cash dividends to net income (ytd only)* | 37.9545% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 3,747 |
| Loan loss allowance to noncurrent loans | 216.5556% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 4,707 |
| Noncurrent loans to loans | 0.5575% | 3,782 |
| Net loans and leases to total assets | 41.6051% | 5,529 |
| Net loans and leases to deposits | 47.7572% | 5,605 |
| Net loans and leases to core deposits | 55.8913% | 5,315 |
| Total domestic deposits to total assets | 87.1181% | 2,101 |
| Equity capital to assets | 10.0750% | 3,953 |
| Core capital (leverage) ratio | 10.2910% | 3,224 |
| Tier 1 risk-based capital ratio | 20.3059% | 1,482 |
| Total risk-based capital ratio | 21.3013% | 1,504 |
| Memoranda: | ||
| Average total assets | $384,082,330 | 1,732 |
| Average earning assets | $372,376,670 | 1,651 |
| Average equity | $38,407,000 | 1,897 |
| Average total loans | $156,790,670 | 2,528 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1640% | 5,704 |
| Cost of funding earning assets | 0.2930% | 4,518 |
| Net interest margin | 2.8710% | 5,501 |
| Noninterest income to average assets | 0.4630% | 3,552 |
| Noninterest expense to average assets | 1.9019% | 5,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3442% | 1,153 |
| Return on assets (ROA) | 1.3474% | 1,212 |
| Pretax return on assets | 1.3474% | 2,088 |
| Return on Equity (ROE) | 13.5248% | 974 |
| Retained earnings to average equity (ytd only) | 8.8251% | 1,261 |
| Net charge-offs to loans | 0.0104% | 2,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 172 |
| Efficiency ratio | 58.5897% | 5,268 |
| Assets per employee ($millions) | 6.2619% | 1,214 |
| Cash dividends to net income (ytd only)* | 34.7490% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 4,179 |
| Loan loss allowance to noncurrent loans | 2,681.6901% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 5,645 |
| Noncurrent loans to loans | 0.0434% | 5,610 |
| Net loans and leases to total assets | 41.6420% | 5,509 |
| Net loans and leases to deposits | 46.6793% | 5,634 |
| Net loans and leases to core deposits | 55.4213% | 5,286 |
| Total domestic deposits to total assets | 89.2087% | 1,138 |
| Equity capital to assets | 10.1551% | 3,937 |
| Core capital (leverage) ratio | 10.2272% | 3,310 |
| Tier 1 risk-based capital ratio | 19.3945% | 1,766 |
| Total risk-based capital ratio | 20.3401% | 1,805 |
| Memoranda: | ||
| Average total assets | $384,456,000 | 1,736 |
| Average earning assets | $372,692,000 | 1,661 |
| Average equity | $38,300,000 | 1,910 |
| Average total loans | $154,468,000 | 2,561 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0952% | 5,964 |
| Cost of funding earning assets | 0.3370% | 4,401 |
| Net interest margin | 2.7581% | 5,864 |
| Noninterest income to average assets | 0.4771% | 3,667 |
| Noninterest expense to average assets | 1.9257% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2161% | 1,540 |
| Return on assets (ROA) | 1.2327% | 1,540 |
| Pretax return on assets | 1.2327% | 2,515 |
| Return on Equity (ROE) | 13.2014% | 1,090 |
| Retained earnings to average equity (ytd only) | 4.9578% | 2,625 |
| Net charge-offs to loans | -0.0228% | 5,724 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2923% | 5,022 |
| Assets per employee ($millions) | 6.1399% | 1,288 |
| Cash dividends to net income (ytd only)* | 62.4447% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 3,350 |
| Loan loss allowance to noncurrent loans | 1,644.8276% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 5,682 |
| Noncurrent loans to loans | 0.0798% | 5,567 |
| Net loans and leases to total assets | 37.6842% | 5,872 |
| Net loans and leases to deposits | 41.8248% | 5,974 |
| Net loans and leases to core deposits | 49.1219% | 5,757 |
| Total domestic deposits to total assets | 90.1002% | 693 |
| Equity capital to assets | 9.7653% | 4,396 |
| Core capital (leverage) ratio | 10.2558% | 3,238 |
| Tier 1 risk-based capital ratio | 20.9954% | 1,407 |
| Total risk-based capital ratio | 22.0438% | 1,419 |
| Memoranda: | ||
| Average total assets | $366,987,200 | 1,768 |
| Average earning assets | $354,552,400 | 1,690 |
| Average equity | $34,269,000 | 2,033 |
| Average total loans | $122,876,200 | 2,986 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1032% | 6,030 |
| Cost of funding earning assets | 0.3439% | 4,410 |
| Net interest margin | 2.7593% | 5,920 |
| Noninterest income to average assets | 0.4866% | 3,639 |
| Noninterest expense to average assets | 1.9242% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2256% | 1,593 |
| Return on assets (ROA) | 1.2414% | 1,605 |
| Pretax return on assets | 1.2414% | 2,608 |
| Return on Equity (ROE) | 13.4551% | 1,106 |
| Retained earnings to average equity (ytd only) | 5.6046% | 2,670 |
| Net charge-offs to loans | 0.0080% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 477.5874% | 160 |
| Efficiency ratio | 61.0898% | 5,022 |
| Assets per employee ($millions) | 5.9441% | 1,368 |
| Cash dividends to net income (ytd only)* | 58.3457% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 3,265 |
| Loan loss allowance to noncurrent loans | 1,464.0625% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 5,789 |
| Noncurrent loans to loans | 0.0943% | 5,662 |
| Net loans and leases to total assets | 36.3300% | 6,021 |
| Net loans and leases to deposits | 40.5187% | 6,102 |
| Net loans and leases to core deposits | 47.6258% | 5,904 |
| Total domestic deposits to total assets | 89.6623% | 901 |
| Equity capital to assets | 9.7025% | 4,548 |
| Core capital (leverage) ratio | 10.5491% | 2,982 |
| Tier 1 risk-based capital ratio | 21.6949% | 1,309 |
| Total risk-based capital ratio | 22.7671% | 1,318 |
| Memoranda: | ||
| Average total assets | $363,565,500 | 1,803 |
| Average earning assets | $350,895,000 | 1,715 |
| Average equity | $33,542,750 | 2,080 |
| Average total loans | $117,254,750 | 3,113 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0680% | 6,108 |
| Cost of funding earning assets | 0.3479% | 4,458 |
| Net interest margin | 2.7202% | 6,027 |
| Noninterest income to average assets | 0.4918% | 3,534 |
| Noninterest expense to average assets | 1.8889% | 6,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2346% | 1,492 |
| Return on assets (ROA) | 1.2528% | 1,502 |
| Pretax return on assets | 1.2528% | 2,443 |
| Return on Equity (ROE) | 13.8212% | 993 |
| Retained earnings to average equity (ytd only) | 7.8769% | 1,374 |
| Net charge-offs to loans | 0.0162% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 248.2222% | 269 |
| Efficiency ratio | 60.4742% | 5,225 |
| Assets per employee ($millions) | 5.6622% | 1,558 |
| Cash dividends to net income (ytd only)* | 43.0084% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 2,613 |
| Loan loss allowance to noncurrent loans | 321.4777% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 5,449 |
| Noncurrent loans to loans | 0.4861% | 4,541 |
| Net loans and leases to total assets | 32.5248% | 6,224 |
| Net loans and leases to deposits | 37.0554% | 6,264 |
| Net loans and leases to core deposits | 44.2367% | 6,055 |
| Total domestic deposits to total assets | 87.7733% | 2,050 |
| Equity capital to assets | 9.9142% | 4,227 |
| Core capital (leverage) ratio | 10.4271% | 3,052 |
| Tier 1 risk-based capital ratio | 24.8730% | 884 |
| Total risk-based capital ratio | 26.0942% | 879 |
| Memoranda: | ||
| Average total assets | $361,909,670 | 1,811 |
| Average earning assets | $350,125,000 | 1,718 |
| Average equity | $32,804,670 | 2,111 |
| Average total loans | $111,085,670 | 3,219 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9524% | 6,282 |
| Cost of funding earning assets | 0.3472% | 4,565 |
| Net interest margin | 2.6052% | 6,231 |
| Noninterest income to average assets | 0.4844% | 3,532 |
| Noninterest expense to average assets | 1.8204% | 6,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1867% | 1,521 |
| Return on assets (ROA) | 1.1900% | 1,581 |
| Pretax return on assets | 1.1900% | 2,525 |
| Return on Equity (ROE) | 13.7757% | 981 |
| Retained earnings to average equity (ytd only) | 7.6944% | 1,728 |
| Net charge-offs to loans | 0.0562% | 2,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 71.5333% | 583 |
| Efficiency ratio | 60.5370% | 5,327 |
| Assets per employee ($millions) | 6.1259% | 1,222 |
| Cash dividends to net income (ytd only)* | 44.1450% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7299% | 2,249 |
| Loan loss allowance to noncurrent loans | 74.3620% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 3,725 |
| Noncurrent loans to loans | 2.3263% | 1,525 |
| Net loans and leases to total assets | 29.3130% | 6,380 |
| Net loans and leases to deposits | 32.3314% | 6,429 |
| Net loans and leases to core deposits | 38.5336% | 6,294 |
| Total domestic deposits to total assets | 90.6642% | 702 |
| Equity capital to assets | 9.0940% | 5,005 |
| Core capital (leverage) ratio | 10.2254% | 3,254 |
| Tier 1 risk-based capital ratio | 25.2698% | 864 |
| Total risk-based capital ratio | 26.5200% | 841 |
| Memoranda: | ||
| Average total assets | $361,675,000 | 1,818 |
| Average earning assets | $350,219,500 | 1,722 |
| Average equity | $31,243,500 | 2,199 |
| Average total loans | $106,761,500 | 3,324 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1398% | 6,203 |
| Cost of funding earning assets | 0.3785% | 4,853 |
| Net interest margin | 2.7613% | 6,042 |
| Noninterest income to average assets | 0.4883% | 3,831 |
| Noninterest expense to average assets | 1.8290% | 6,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3229% | 1,199 |
| Return on assets (ROA) | 1.3394% | 1,196 |
| Pretax return on assets | 1.3394% | 2,011 |
| Return on Equity (ROE) | 14.1380% | 919 |
| Retained earnings to average equity (ytd only) | 6.3029% | 1,800 |
| Net charge-offs to loans | -0.0127% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0288% | 5,733 |
| Assets per employee ($millions) | 6.1343% | 1,182 |
| Cash dividends to net income (ytd only)* | 55.4187% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 2,131 |
| Loan loss allowance to noncurrent loans | 63.4064% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 3,519 |
| Noncurrent loans to loans | 2.8048% | 1,259 |
| Net loans and leases to total assets | 28.6893% | 6,502 |
| Net loans and leases to deposits | 32.0669% | 6,534 |
| Net loans and leases to core deposits | 38.2684% | 6,406 |
| Total domestic deposits to total assets | 89.4668% | 1,352 |
| Equity capital to assets | 8.1838% | 5,885 |
| Core capital (leverage) ratio | 10.1332% | 3,384 |
| Tier 1 risk-based capital ratio | 24.9281% | 858 |
| Total risk-based capital ratio | 26.1783% | 844 |
| Memoranda: | ||
| Average total assets | $363,746,400 | 1,783 |
| Average earning assets | $350,887,400 | 1,705 |
| Average equity | $34,460,200 | 1,995 |
| Average total loans | $102,452,600 | 3,392 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1482% | 6,258 |
| Cost of funding earning assets | 0.3841% | 4,958 |
| Net interest margin | 2.7641% | 6,070 |
| Noninterest income to average assets | 0.4909% | 3,876 |
| Noninterest expense to average assets | 1.8469% | 6,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3099% | 1,326 |
| Return on assets (ROA) | 1.3329% | 1,314 |
| Pretax return on assets | 1.3329% | 2,200 |
| Return on Equity (ROE) | 13.6094% | 1,097 |
| Retained earnings to average equity (ytd only) | 8.1896% | 1,341 |
| Net charge-offs to loans | 0.0079% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 596.3188% | 94 |
| Efficiency ratio | 58.5063% | 5,626 |
| Assets per employee ($millions) | 5.8669% | 1,329 |
| Cash dividends to net income (ytd only)* | 39.8243% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,418 |
| Loan loss allowance to noncurrent loans | 51.7519% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 1.2181% | 3,208 |
| Noncurrent loans to loans | 3.4039% | 1,136 |
| Net loans and leases to total assets | 29.4821% | 6,551 |
| Net loans and leases to deposits | 32.6915% | 6,600 |
| Net loans and leases to core deposits | 40.0767% | 6,447 |
| Total domestic deposits to total assets | 90.1830% | 903 |
| Equity capital to assets | 9.1124% | 5,040 |
| Core capital (leverage) ratio | 10.2431% | 3,337 |
| Tier 1 risk-based capital ratio | 25.2075% | 854 |
| Total risk-based capital ratio | 26.4580% | 846 |
| Memoranda: | ||
| Average total assets | $364,202,250 | 1,799 |
| Average earning assets | $351,257,000 | 1,719 |
| Average equity | $35,670,500 | 1,945 |
| Average total loans | $101,637,500 | 3,439 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0746% | 6,374 |
| Cost of funding earning assets | 0.3879% | 5,052 |
| Net interest margin | 2.6866% | 6,199 |
| Noninterest income to average assets | 0.4920% | 3,885 |
| Noninterest expense to average assets | 1.8297% | 6,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2502% | 1,456 |
| Return on assets (ROA) | 1.2849% | 1,457 |
| Pretax return on assets | 1.2849% | 2,354 |
| Return on Equity (ROE) | 12.8349% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.5458% | 1,652 |
| Net charge-offs to loans | 0.0140% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 328.8571% | 156 |
| Efficiency ratio | 59.4075% | 5,556 |
| Assets per employee ($millions) | 5.7716% | 1,364 |
| Cash dividends to net income (ytd only)* | 41.2088% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 2,619 |
| Loan loss allowance to noncurrent loans | 49.7859% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.4802% | 2,884 |
| Noncurrent loans to loans | 3.4974% | 1,220 |
| Net loans and leases to total assets | 28.8663% | 6,611 |
| Net loans and leases to deposits | 33.2478% | 6,634 |
| Net loans and leases to core deposits | 39.1129% | 6,503 |
| Total domestic deposits to total assets | 86.8216% | 2,928 |
| Equity capital to assets | 8.9197% | 5,301 |
| Core capital (leverage) ratio | 9.7573% | 3,857 |
| Tier 1 risk-based capital ratio | 24.4650% | 940 |
| Total risk-based capital ratio | 25.7154% | 926 |
| Memoranda: | ||
| Average total assets | $368,265,330 | 1,778 |
| Average earning assets | $354,718,330 | 1,708 |
| Average equity | $36,868,330 | 1,892 |
| Average total loans | $100,302,670 | 3,482 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0354% | 6,472 |
| Cost of funding earning assets | 0.3957% | 5,147 |
| Net interest margin | 2.6397% | 6,312 |
| Noninterest income to average assets | 0.4943% | 3,809 |
| Noninterest expense to average assets | 1.8694% | 6,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1668% | 1,620 |
| Return on assets (ROA) | 1.1873% | 1,674 |
| Pretax return on assets | 1.1873% | 2,625 |
| Return on Equity (ROE) | 11.2572% | 1,631 |
| Retained earnings to average equity (ytd only) | 6.3962% | 2,459 |
| Net charge-offs to loans | 0.0783% | 3,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 56.8947% | 616 |
| Efficiency ratio | 61.5713% | 5,363 |
| Assets per employee ($millions) | 6.3818% | 1,034 |
| Cash dividends to net income (ytd only)* | 43.1818% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 2,164 |
| Loan loss allowance to noncurrent loans | 46.1904% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 1.6684% | 2,781 |
| Noncurrent loans to loans | 4.2298% | 1,032 |
| Net loans and leases to total assets | 25.5080% | 6,741 |
| Net loans and leases to deposits | 28.6511% | 6,774 |
| Net loans and leases to core deposits | 34.0833% | 6,673 |
| Total domestic deposits to total assets | 89.0297% | 1,666 |
| Equity capital to assets | 10.6547% | 3,375 |
| Core capital (leverage) ratio | 9.6074% | 3,908 |
| Tier 1 risk-based capital ratio | 25.8599% | 798 |
| Total risk-based capital ratio | 27.0855% | 793 |
| Memoranda: | ||
| Average total assets | $370,592,500 | 1,781 |
| Average earning assets | $356,854,500 | 1,713 |
| Average equity | $39,086,000 | 1,812 |
| Average total loans | $97,043,500 | 3,590 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4198% | 6,460 |
| Cost of funding earning assets | 0.4662% | 5,448 |
| Net interest margin | 2.9536% | 6,130 |
| Noninterest income to average assets | 0.5434% | 3,626 |
| Noninterest expense to average assets | 2.0423% | 6,249 |
| Loan and lease loss provision to assets | 0.0550% | 5,113 |
| Net operating income to assets | 1.2742% | 1,384 |
| Return on assets (ROA) | 1.3315% | 1,360 |
| Pretax return on assets | 1.3315% | 2,283 |
| Return on Equity (ROE) | 12.1901% | 1,452 |
| Retained earnings to average equity (ytd only) | 6.1105% | 2,012 |
| Net charge-offs to loans | 0.2938% | 3,181 |
| Credit loss provision to net charge-offs | 68.4211% | 4,214 |
| Earnings coverage of net charge-offs (x) | 16.5404% | 1,573 |
| Efficiency ratio | 60.5754% | 5,453 |
| Assets per employee ($millions) | 6.3970% | 1,052 |
| Cash dividends to net income (ytd only)* | 49.8729% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,360 |
| Loan loss allowance to noncurrent loans | 44.1058% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 1.6772% | 2,883 |
| Noncurrent loans to loans | 4.2565% | 1,044 |
| Net loans and leases to total assets | 25.8549% | 6,811 |
| Net loans and leases to deposits | 28.9326% | 6,854 |
| Net loans and leases to core deposits | 34.4123% | 6,760 |
| Total domestic deposits to total assets | 89.3628% | 1,323 |
| Equity capital to assets | 10.4430% | 3,595 |
| Core capital (leverage) ratio | 9.4879% | 4,125 |
| Tier 1 risk-based capital ratio | 26.2752% | 750 |
| Total risk-based capital ratio | 27.5271% | 740 |
| Memoranda: | ||
| Average total assets | $354,646,400 | 1,828 |
| Average earning assets | $339,583,800 | 1,752 |
| Average equity | $38,736,400 | 1,797 |
| Average total loans | $97,007,400 | 3,593 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 6,469 |
| Cost of funding earning assets | 0.4818% | 5,556 |
| Net interest margin | 3.0520% | 6,060 |
| Noninterest income to average assets | 0.5598% | 3,544 |
| Noninterest expense to average assets | 2.0931% | 6,178 |
| Loan and lease loss provision to assets | 0.0573% | 5,015 |
| Net operating income to assets | 1.3285% | 1,377 |
| Return on assets (ROA) | 1.3465% | 1,481 |
| Pretax return on assets | 1.3465% | 2,426 |
| Return on Equity (ROE) | 12.1828% | 1,572 |
| Retained earnings to average equity (ytd only) | 6.5477% | 2,361 |
| Net charge-offs to loans | 0.3527% | 2,692 |
| Credit loss provision to net charge-offs | 58.8235% | 4,179 |
| Earnings coverage of net charge-offs (x) | 14.2236% | 1,853 |
| Efficiency ratio | 60.1647% | 5,465 |
| Assets per employee ($millions) | 5.9170% | 1,300 |
| Cash dividends to net income (ytd only)* | 46.2543% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8727% | 2,570 |
| Loan loss allowance to noncurrent loans | 40.3310% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 2.3571% | 2,257 |
| Noncurrent loans to loans | 4.6432% | 1,006 |
| Net loans and leases to total assets | 27.3353% | 6,894 |
| Net loans and leases to deposits | 30.8544% | 6,934 |
| Net loans and leases to core deposits | 37.2221% | 6,831 |
| Total domestic deposits to total assets | 88.5946% | 1,661 |
| Equity capital to assets | 11.2028% | 3,034 |
| Core capital (leverage) ratio | 9.6381% | 4,061 |
| Tier 1 risk-based capital ratio | 25.6902% | 849 |
| Total risk-based capital ratio | 26.9419% | 836 |
| Memoranda: | ||
| Average total assets | $348,952,750 | 1,875 |
| Average earning assets | $333,759,000 | 1,794 |
| Average equity | $38,567,000 | 1,822 |
| Average total loans | $96,397,000 | 3,646 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6371% | 6,443 |
| Cost of funding earning assets | 0.4967% | 5,645 |
| Net interest margin | 3.1404% | 5,887 |
| Noninterest income to average assets | 0.5805% | 3,377 |
| Noninterest expense to average assets | 2.1445% | 6,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4395% | 1,108 |
| Return on assets (ROA) | 1.4475% | 1,224 |
| Pretax return on assets | 1.4475% | 2,021 |
| Return on Equity (ROE) | 13.1585% | 1,323 |
| Retained earnings to average equity (ytd only) | 7.1321% | 2,031 |
| Net charge-offs to loans | 0.0858% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 60.9024% | 623 |
| Efficiency ratio | 59.8359% | 5,601 |
| Assets per employee ($millions) | 5.7020% | 1,440 |
| Cash dividends to net income (ytd only)* | 45.7985% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 2,530 |
| Loan loss allowance to noncurrent loans | 42.2865% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.4748% | 2,254 |
| Noncurrent loans to loans | 4.5112% | 1,176 |
| Net loans and leases to total assets | 27.8690% | 6,934 |
| Net loans and leases to deposits | 31.5431% | 6,975 |
| Net loans and leases to core deposits | 38.8259% | 6,839 |
| Total domestic deposits to total assets | 88.3521% | 1,931 |
| Equity capital to assets | 10.9987% | 3,118 |
| Core capital (leverage) ratio | 9.3863% | 4,316 |
| Tier 1 risk-based capital ratio | 23.7532% | 1,047 |
| Total risk-based capital ratio | 25.0046% | 1,028 |
| Memoranda: | ||
| Average total assets | $346,931,330 | 1,889 |
| Average earning assets | $331,801,000 | 1,813 |
| Average equity | $38,165,330 | 1,832 |
| Average total loans | $95,563,670 | 3,677 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 6,269 |
| Cost of funding earning assets | 0.5154% | 5,718 |
| Net interest margin | 3.2737% | 5,560 |
| Noninterest income to average assets | 0.5774% | 3,358 |
| Noninterest expense to average assets | 1.9544% | 6,543 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7507% | 661 |
| Return on assets (ROA) | 1.7519% | 736 |
| Pretax return on assets | 1.7519% | 1,192 |
| Return on Equity (ROE) | 15.9232% | 816 |
| Retained earnings to average equity (ytd only) | 8.4113% | 1,815 |
| Net charge-offs to loans | 0.1632% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 39.5789% | 756 |
| Efficiency ratio | 52.7490% | 6,467 |
| Assets per employee ($millions) | 5.9137% | 1,335 |
| Cash dividends to net income (ytd only)* | 47.1761% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 2,160 |
| Loan loss allowance to noncurrent loans | 38.4231% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.6523% | 2,231 |
| Noncurrent loans to loans | 5.3981% | 1,000 |
| Net loans and leases to total assets | 25.5480% | 7,051 |
| Net loans and leases to deposits | 28.6673% | 7,082 |
| Net loans and leases to core deposits | 35.4757% | 6,958 |
| Total domestic deposits to total assets | 89.1190% | 1,627 |
| Equity capital to assets | 10.7207% | 3,239 |
| Core capital (leverage) ratio | 9.6696% | 3,814 |
| Tier 1 risk-based capital ratio | 24.3891% | 965 |
| Total risk-based capital ratio | 25.6411% | 950 |
| Memoranda: | ||
| Average total assets | $343,636,000 | 1,910 |
| Average earning assets | $328,312,000 | 1,837 |
| Average equity | $37,806,500 | 1,842 |
| Average total loans | $93,126,000 | 3,750 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 6,680 |
| Cost of funding earning assets | 0.7161% | 5,427 |
| Net interest margin | 3.1273% | 6,277 |
| Noninterest income to average assets | 0.5924% | 3,206 |
| Noninterest expense to average assets | 2.1965% | 6,275 |
| Loan and lease loss provision to assets | 0.1621% | 4,604 |
| Net operating income to assets | 1.2062% | 1,497 |
| Return on assets (ROA) | 1.3906% | 1,133 |
| Pretax return on assets | 1.3906% | 1,809 |
| Return on Equity (ROE) | 12.9469% | 1,177 |
| Retained earnings to average equity (ytd only) | 7.8344% | 1,138 |
| Net charge-offs to loans | 0.5753% | 2,724 |
| Credit loss provision to net charge-offs | 92.2535% | 3,911 |
| Earnings coverage of net charge-offs (x) | 7.7870% | 2,264 |
| Efficiency ratio | 61.6159% | 5,518 |
| Assets per employee ($millions) | 5.6348% | 1,503 |
| Cash dividends to net income (ytd only)* | 39.4883% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0890% | 2,037 |
| Loan loss allowance to noncurrent loans | 19.6842% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 4.3269% | 1,283 |
| Noncurrent loans to loans | 10.6124% | 281 |
| Net loans and leases to total assets | 27.5907% | 7,071 |
| Net loans and leases to deposits | 31.2445% | 7,107 |
| Net loans and leases to core deposits | 39.3792% | 6,964 |
| Total domestic deposits to total assets | 88.3057% | 1,963 |
| Equity capital to assets | 11.3020% | 2,694 |
| Core capital (leverage) ratio | 9.5778% | 3,906 |
| Tier 1 risk-based capital ratio | 24.4029% | 934 |
| Total risk-based capital ratio | 25.6631% | 921 |
| Memoranda: | ||
| Average total assets | $323,243,600 | 1,992 |
| Average earning assets | $307,232,200 | 1,911 |
| Average equity | $34,718,800 | 1,933 |
| Average total loans | $98,736,600 | 3,654 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 6,717 |
| Cost of funding earning assets | 0.7473% | 5,484 |
| Net interest margin | 3.1642% | 6,247 |
| Noninterest income to average assets | 0.5916% | 3,220 |
| Noninterest expense to average assets | 2.2429% | 6,185 |
| Loan and lease loss provision to assets | 0.2177% | 3,838 |
| Net operating income to assets | 1.1370% | 1,856 |
| Return on assets (ROA) | 1.3792% | 1,281 |
| Pretax return on assets | 1.3792% | 2,010 |
| Return on Equity (ROE) | 13.0174% | 1,272 |
| Retained earnings to average equity (ytd only) | 7.8222% | 1,578 |
| Net charge-offs to loans | 0.4173% | 3,055 |
| Credit loss provision to net charge-offs | 167.4121% | 1,809 |
| Earnings coverage of net charge-offs (x) | 10.4186% | 1,921 |
| Efficiency ratio | 62.3441% | 5,360 |
| Assets per employee ($millions) | 5.4989% | 1,601 |
| Cash dividends to net income (ytd only)* | 39.9095% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 1,888 |
| Loan loss allowance to noncurrent loans | 15.5742% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 5.3709% | 1,049 |
| Noncurrent loans to loans | 14.0446% | 159 |
| Net loans and leases to total assets | 30.4889% | 7,073 |
| Net loans and leases to deposits | 34.5512% | 7,114 |
| Net loans and leases to core deposits | 44.7428% | 6,895 |
| Total domestic deposits to total assets | 88.2426% | 1,901 |
| Equity capital to assets | 11.3367% | 2,826 |
| Core capital (leverage) ratio | 9.7030% | 3,845 |
| Tier 1 risk-based capital ratio | 23.2869% | 1,108 |
| Total risk-based capital ratio | 24.4906% | 1,097 |
| Memoranda: | ||
| Average total assets | $320,941,250 | 2,011 |
| Average earning assets | $304,900,000 | 1,935 |
| Average equity | $34,005,000 | 1,970 |
| Average total loans | $100,000,000 | 3,651 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 6,706 |
| Cost of funding earning assets | 0.7854% | 5,476 |
| Net interest margin | 3.1879% | 6,201 |
| Noninterest income to average assets | 0.5904% | 3,197 |
| Noninterest expense to average assets | 2.1140% | 6,565 |
| Loan and lease loss provision to assets | 0.3277% | 2,825 |
| Net operating income to assets | 1.1746% | 1,647 |
| Return on assets (ROA) | 1.3322% | 1,312 |
| Pretax return on assets | 1.3322% | 2,030 |
| Return on Equity (ROE) | 12.8779% | 1,228 |
| Retained earnings to average equity (ytd only) | 7.7388% | 1,562 |
| Net charge-offs to loans | 0.4417% | 2,805 |
| Credit loss provision to net charge-offs | 238.1818% | 1,268 |
| Earnings coverage of net charge-offs (x) | 10.9182% | 1,755 |
| Efficiency ratio | 58.4573% | 6,103 |
| Assets per employee ($millions) | 5.1946% | 1,879 |
| Cash dividends to net income (ytd only)* | 39.9061% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2380% | 1,844 |
| Loan loss allowance to noncurrent loans | 16.6703% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 5.3126% | 1,136 |
| Noncurrent loans to loans | 13.4253% | 187 |
| Net loans and leases to total assets | 30.7668% | 7,151 |
| Net loans and leases to deposits | 35.0570% | 7,189 |
| Net loans and leases to core deposits | 46.1746% | 6,928 |
| Total domestic deposits to total assets | 87.7620% | 2,309 |
| Equity capital to assets | 10.6821% | 3,305 |
| Core capital (leverage) ratio | 9.4602% | 4,015 |
| Tier 1 risk-based capital ratio | 22.0339% | 1,252 |
| Total risk-based capital ratio | 23.2955% | 1,217 |
| Memoranda: | ||
| Average total assets | $319,777,330 | 2,027 |
| Average earning assets | $303,526,330 | 1,952 |
| Average equity | $33,080,000 | 1,999 |
| Average total loans | $99,624,000 | 3,696 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 6,455 |
| Cost of funding earning assets | 0.8549% | 5,242 |
| Net interest margin | 3.2689% | 5,881 |
| Noninterest income to average assets | 0.6164% | 3,060 |
| Noninterest expense to average assets | 2.0922% | 6,653 |
| Loan and lease loss provision to assets | 0.4987% | 1,751 |
| Net operating income to assets | 1.1277% | 1,745 |
| Return on assets (ROA) | 1.3163% | 1,276 |
| Pretax return on assets | 1.3163% | 1,988 |
| Return on Equity (ROE) | 12.9430% | 1,211 |
| Retained earnings to average equity (ytd only) | 7.6538% | 1,863 |
| Net charge-offs to loans | 0.0204% | 4,789 |
| Credit loss provision to net charge-offs | 7,880.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 120 |
| Efficiency ratio | 56.2628% | 6,478 |
| Assets per employee ($millions) | 5.1520% | 1,958 |
| Cash dividends to net income (ytd only)* | 40.8654% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5208% | 1,433 |
| Loan loss allowance to noncurrent loans | 45.4373% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.8081% | 2,453 |
| Noncurrent loans to loans | 5.5478% | 1,173 |
| Net loans and leases to total assets | 29.4085% | 7,247 |
| Net loans and leases to deposits | 32.9061% | 7,294 |
| Net loans and leases to core deposits | 42.9940% | 7,075 |
| Total domestic deposits to total assets | 89.3709% | 1,549 |
| Equity capital to assets | 10.2488% | 3,473 |
| Core capital (leverage) ratio | 9.4318% | 3,912 |
| Tier 1 risk-based capital ratio | 22.2988% | 1,177 |
| Total risk-based capital ratio | 23.3463% | 1,187 |
| Memoranda: | ||
| Average total assets | $316,036,500 | 2,063 |
| Average earning assets | $299,921,000 | 1,987 |
| Average equity | $32,141,000 | 2,038 |
| Average total loans | $97,940,000 | 3,779 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 5,785 |
| Cost of funding earning assets | 1.2039% | 4,540 |
| Net interest margin | 3.5016% | 5,246 |
| Noninterest income to average assets | 0.6168% | 3,364 |
| Noninterest expense to average assets | 2.2413% | 6,510 |
| Loan and lease loss provision to assets | 0.2746% | 4,607 |
| Net operating income to assets | 1.4222% | 899 |
| Return on assets (ROA) | 1.6638% | 599 |
| Pretax return on assets | 1.6638% | 1,013 |
| Return on Equity (ROE) | 15.9842% | 586 |
| Retained earnings to average equity (ytd only) | 5.6148% | 2,046 |
| Net charge-offs to loans | 0.6100% | 3,204 |
| Credit loss provision to net charge-offs | 126.6471% | 3,196 |
| Earnings coverage of net charge-offs (x) | 7.8258% | 2,059 |
| Efficiency ratio | 56.9125% | 6,471 |
| Assets per employee ($millions) | 5.1259% | 1,982 |
| Cash dividends to net income (ytd only)* | 64.8731% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 2,356 |
| Loan loss allowance to noncurrent loans | 58.8356% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 2.1919% | 3,108 |
| Noncurrent loans to loans | 3.3651% | 2,260 |
| Net loans and leases to total assets | 31.1725% | 7,312 |
| Net loans and leases to deposits | 35.0531% | 7,370 |
| Net loans and leases to core deposits | 45.0294% | 7,168 |
| Total domestic deposits to total assets | 88.9293% | 1,699 |
| Equity capital to assets | 10.0921% | 3,629 |
| Core capital (leverage) ratio | 8.9152% | 4,668 |
| Tier 1 risk-based capital ratio | 20.8577% | 1,338 |
| Total risk-based capital ratio | 22.1114% | 1,314 |
| Memoranda: | ||
| Average total assets | $315,002,400 | 2,062 |
| Average earning assets | $298,778,800 | 1,989 |
| Average equity | $32,788,600 | 2,005 |
| Average total loans | $111,962,600 | 3,496 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 5,771 |
| Cost of funding earning assets | 1.2593% | 4,499 |
| Net interest margin | 3.5142% | 5,234 |
| Noninterest income to average assets | 0.6143% | 3,357 |
| Noninterest expense to average assets | 2.1830% | 6,651 |
| Loan and lease loss provision to assets | 0.2948% | 4,222 |
| Net operating income to assets | 1.4712% | 978 |
| Return on assets (ROA) | 1.7100% | 665 |
| Pretax return on assets | 1.7100% | 1,097 |
| Return on Equity (ROE) | 16.3025% | 675 |
| Retained earnings to average equity (ytd only) | 9.0228% | 1,049 |
| Net charge-offs to loans | 0.7301% | 2,597 |
| Credit loss provision to net charge-offs | 110.6688% | 3,824 |
| Earnings coverage of net charge-offs (x) | 6.6290% | 2,486 |
| Efficiency ratio | 55.2798% | 6,649 |
| Assets per employee ($millions) | 5.1339% | 2,017 |
| Cash dividends to net income (ytd only)* | 44.6540% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 3,252 |
| Loan loss allowance to noncurrent loans | 28.2270% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 3.1948% | 2,245 |
| Noncurrent loans to loans | 5.9173% | 1,070 |
| Net loans and leases to total assets | 34.3097% | 7,334 |
| Net loans and leases to deposits | 38.9998% | 7,398 |
| Net loans and leases to core deposits | 52.7391% | 7,018 |
| Total domestic deposits to total assets | 87.9741% | 1,974 |
| Equity capital to assets | 11.0520% | 2,913 |
| Core capital (leverage) ratio | 9.2016% | 4,366 |
| Tier 1 risk-based capital ratio | 20.0220% | 1,546 |
| Total risk-based capital ratio | 21.2731% | 1,516 |
| Memoranda: | ||
| Average total assets | $314,302,250 | 2,099 |
| Average earning assets | $298,249,250 | 2,017 |
| Average equity | $32,967,500 | 2,020 |
| Average total loans | $114,686,250 | 3,484 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 5,500 |
| Cost of funding earning assets | 1.2864% | 4,617 |
| Net interest margin | 3.5895% | 4,862 |
| Noninterest income to average assets | 0.6246% | 3,165 |
| Noninterest expense to average assets | 2.1879% | 6,677 |
| Loan and lease loss provision to assets | 0.2956% | 4,025 |
| Net operating income to assets | 1.5460% | 823 |
| Return on assets (ROA) | 1.7336% | 598 |
| Pretax return on assets | 1.7336% | 991 |
| Return on Equity (ROE) | 16.8407% | 592 |
| Retained earnings to average equity (ytd only) | 10.4428% | 758 |
| Net charge-offs to loans | 0.7667% | 2,325 |
| Credit loss provision to net charge-offs | 104.0724% | 3,917 |
| Earnings coverage of net charge-offs (x) | 6.4842% | 2,453 |
| Efficiency ratio | 54.2976% | 6,843 |
| Assets per employee ($millions) | 4.9373% | 2,260 |
| Cash dividends to net income (ytd only)* | 37.9911% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 3,444 |
| Loan loss allowance to noncurrent loans | 29.3010% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 2.7039% | 2,676 |
| Noncurrent loans to loans | 5.4620% | 1,210 |
| Net loans and leases to total assets | 35.7241% | 7,360 |
| Net loans and leases to deposits | 40.6833% | 7,428 |
| Net loans and leases to core deposits | 53.4489% | 7,059 |
| Total domestic deposits to total assets | 87.8103% | 2,102 |
| Equity capital to assets | 10.8431% | 3,035 |
| Core capital (leverage) ratio | 9.1973% | 4,305 |
| Tier 1 risk-based capital ratio | 19.6645% | 1,570 |
| Total risk-based capital ratio | 20.9060% | 1,547 |
| Memoranda: | ||
| Average total assets | $311,257,670 | 2,144 |
| Average earning assets | $295,247,330 | 2,056 |
| Average equity | $32,041,330 | 2,057 |
| Average total loans | $115,296,670 | 3,500 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 5,425 |
| Cost of funding earning assets | 1.2921% | 4,861 |
| Net interest margin | 3.6166% | 4,646 |
| Noninterest income to average assets | 0.6436% | 2,967 |
| Noninterest expense to average assets | 2.0460% | 7,069 |
| Loan and lease loss provision to assets | 0.1360% | 5,203 |
| Net operating income to assets | 1.8867% | 415 |
| Return on assets (ROA) | 1.8867% | 452 |
| Pretax return on assets | 1.8867% | 751 |
| Return on Equity (ROE) | 18.8422% | 448 |
| Retained earnings to average equity (ytd only) | 13.0227% | 616 |
| Net charge-offs to loans | -0.1592% | 7,626 |
| Credit loss provision to net charge-offs | -228.2609% | 6,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2864% | 7,296 |
| Assets per employee ($millions) | 5.0695% | 2,142 |
| Cash dividends to net income (ytd only)* | 30.8854% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 2,902 |
| Loan loss allowance to noncurrent loans | 44.8724% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 2.2329% | 3,234 |
| Noncurrent loans to loans | 3.8942% | 2,029 |
| Net loans and leases to total assets | 35.2240% | 7,454 |
| Net loans and leases to deposits | 39.7016% | 7,527 |
| Net loans and leases to core deposits | 52.4083% | 7,177 |
| Total domestic deposits to total assets | 88.7218% | 1,661 |
| Equity capital to assets | 10.2792% | 3,497 |
| Core capital (leverage) ratio | 9.3220% | 4,014 |
| Tier 1 risk-based capital ratio | 19.1463% | 1,686 |
| Total risk-based capital ratio | 20.3975% | 1,654 |
| Memoranda: | ||
| Average total assets | $308,892,500 | 2,202 |
| Average earning assets | $292,538,000 | 2,128 |
| Average equity | $30,930,500 | 2,148 |
| Average total loans | $115,585,000 | 3,549 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4467% | 4,452 |
| Cost of funding earning assets | 1.4790% | 5,598 |
| Net interest margin | 3.9678% | 2,991 |
| Noninterest income to average assets | 0.6595% | 3,222 |
| Noninterest expense to average assets | 2.5620% | 5,917 |
| Loan and lease loss provision to assets | 0.1294% | 6,344 |
| Net operating income to assets | 1.7131% | 425 |
| Return on assets (ROA) | 1.7483% | 424 |
| Pretax return on assets | 1.7483% | 700 |
| Return on Equity (ROE) | 17.3753% | 420 |
| Retained earnings to average equity (ytd only) | 9.8297% | 386 |
| Net charge-offs to loans | 0.2015% | 5,381 |
| Credit loss provision to net charge-offs | 159.5745% | 2,805 |
| Earnings coverage of net charge-offs (x) | 22.7191% | 953 |
| Efficiency ratio | 58.1681% | 6,737 |
| Assets per employee ($millions) | 4.8171% | 2,456 |
| Cash dividends to net income (ytd only)* | 43.4268% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,555 |
| Loan loss allowance to noncurrent loans | 55.5793% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.0008% | 3,400 |
| Noncurrent loans to loans | 2.7606% | 2,797 |
| Net loans and leases to total assets | 38.4448% | 7,432 |
| Net loans and leases to deposits | 43.5555% | 7,528 |
| Net loans and leases to core deposits | 66.9467% | 6,934 |
| Total domestic deposits to total assets | 88.2664% | 1,844 |
| Equity capital to assets | 9.7381% | 4,091 |
| Core capital (leverage) ratio | 9.0787% | 4,288 |
| Tier 1 risk-based capital ratio | 18.7258% | 1,713 |
| Total risk-based capital ratio | 19.9679% | 1,678 |
| Memoranda: | ||
| Average total assets | $289,775,400 | 2,280 |
| Average earning assets | $273,502,600 | 2,215 |
| Average equity | $29,156,400 | 2,286 |
| Average total loans | $116,599,800 | 3,556 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 4,251 |
| Cost of funding earning assets | 1.5263% | 5,727 |
| Net interest margin | 4.0073% | 2,781 |
| Noninterest income to average assets | 0.6602% | 3,288 |
| Noninterest expense to average assets | 2.3332% | 6,618 |
| Loan and lease loss provision to assets | 0.1397% | 5,962 |
| Net operating income to assets | 1.9672% | 315 |
| Return on assets (ROA) | 2.0175% | 305 |
| Pretax return on assets | 2.0175% | 524 |
| Return on Equity (ROE) | 19.8821% | 318 |
| Retained earnings to average equity (ytd only) | 13.6876% | 213 |
| Net charge-offs to loans | 0.1550% | 5,162 |
| Credit loss provision to net charge-offs | 222.2222% | 1,966 |
| Earnings coverage of net charge-offs (x) | 33.5177% | 861 |
| Efficiency ratio | 52.5482% | 7,366 |
| Assets per employee ($millions) | 4.5873% | 2,719 |
| Cash dividends to net income (ytd only)* | 31.1563% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 3,338 |
| Loan loss allowance to noncurrent loans | 117.9143% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 1.7734% | 3,699 |
| Noncurrent loans to loans | 1.2861% | 4,790 |
| Net loans and leases to total assets | 41.4153% | 7,396 |
| Net loans and leases to deposits | 47.5592% | 7,515 |
| Net loans and leases to core deposits | 74.8267% | 6,679 |
| Total domestic deposits to total assets | 87.0815% | 2,139 |
| Equity capital to assets | 11.0101% | 2,993 |
| Core capital (leverage) ratio | 9.6180% | 3,764 |
| Tier 1 risk-based capital ratio | 18.9995% | 1,746 |
| Total risk-based capital ratio | 20.2531% | 1,706 |
| Memoranda: | ||
| Average total assets | $286,349,500 | 2,315 |
| Average earning assets | $270,097,000 | 2,258 |
| Average equity | $29,057,250 | 2,319 |
| Average total loans | $116,127,250 | 3,593 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 4,337 |
| Cost of funding earning assets | 1.5625% | 5,873 |
| Net interest margin | 3.9882% | 2,750 |
| Noninterest income to average assets | 0.6565% | 3,292 |
| Noninterest expense to average assets | 2.3253% | 6,688 |
| Loan and lease loss provision to assets | 0.1401% | 5,673 |
| Net operating income to assets | 1.9519% | 333 |
| Return on assets (ROA) | 2.0100% | 313 |
| Pretax return on assets | 2.0100% | 548 |
| Return on Equity (ROE) | 20.3933% | 309 |
| Retained earnings to average equity (ytd only) | 15.7730% | 168 |
| Net charge-offs to loans | 0.2239% | 4,096 |
| Credit loss provision to net charge-offs | 156.2500% | 2,944 |
| Earnings coverage of net charge-offs (x) | 23.3281% | 1,186 |
| Efficiency ratio | 52.6408% | 7,467 |
| Assets per employee ($millions) | 4.4885% | 2,791 |
| Cash dividends to net income (ytd only)* | 22.6560% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 3,097 |
| Loan loss allowance to noncurrent loans | 109.9246% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.8025% | 3,473 |
| Noncurrent loans to loans | 1.3805% | 4,454 |
| Net loans and leases to total assets | 39.5339% | 7,570 |
| Net loans and leases to deposits | 45.0264% | 7,672 |
| Net loans and leases to core deposits | 69.4090% | 7,054 |
| Total domestic deposits to total assets | 87.8015% | 1,866 |
| Equity capital to assets | 10.3142% | 3,605 |
| Core capital (leverage) ratio | 9.3683% | 4,075 |
| Tier 1 risk-based capital ratio | 18.8038% | 1,817 |
| Total risk-based capital ratio | 20.0334% | 1,776 |
| Memoranda: | ||
| Average total assets | $285,467,000 | 2,345 |
| Average earning assets | $269,191,330 | 2,281 |
| Average equity | $28,136,670 | 2,398 |
| Average total loans | $114,325,670 | 3,667 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 4,457 |
| Cost of funding earning assets | 1.6320% | 5,898 |
| Net interest margin | 3.9509% | 2,846 |
| Noninterest income to average assets | 0.6494% | 3,202 |
| Noninterest expense to average assets | 2.3038% | 6,526 |
| Loan and lease loss provision to assets | 0.1406% | 5,147 |
| Net operating income to assets | 1.9243% | 403 |
| Return on assets (ROA) | 2.0227% | 383 |
| Pretax return on assets | 2.0227% | 642 |
| Return on Equity (ROE) | 21.0146% | 361 |
| Retained earnings to average equity (ytd only) | 18.0939% | 229 |
| Net charge-offs to loans | 0.4357% | 2,366 |
| Credit loss provision to net charge-offs | 80.6452% | 4,178 |
| Earnings coverage of net charge-offs (x) | 11.8468% | 1,845 |
| Efficiency ratio | 52.7349% | 7,342 |
| Assets per employee ($millions) | 4.5979% | 2,567 |
| Cash dividends to net income (ytd only)* | 13.8985% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 3,343 |
| Loan loss allowance to noncurrent loans | 98.0439% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9567% | 2,969 |
| Noncurrent loans to loans | 1.4591% | 4,117 |
| Net loans and leases to total assets | 39.9785% | 7,567 |
| Net loans and leases to deposits | 45.4878% | 7,681 |
| Net loans and leases to core deposits | 67.3861% | 7,168 |
| Total domestic deposits to total assets | 87.8885% | 1,799 |
| Equity capital to assets | 10.1495% | 3,827 |
| Core capital (leverage) ratio | 9.1222% | 4,518 |
| Tier 1 risk-based capital ratio | 17.9341% | 2,072 |
| Total risk-based capital ratio | 19.0847% | 2,041 |
| Memoranda: | ||
| Average total assets | $284,568,000 | 2,362 |
| Average earning assets | $267,887,500 | 2,309 |
| Average equity | $27,390,500 | 2,462 |
| Average total loans | $113,830,000 | 3,701 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8078% | 6,399 |
| Cost of funding earning assets | 2.1369% | 5,894 |
| Net interest margin | 3.6708% | 4,598 |
| Noninterest income to average assets | 0.7095% | 3,057 |
| Noninterest expense to average assets | 2.2429% | 6,856 |
| Loan and lease loss provision to assets | 0.1943% | 4,934 |
| Net operating income to assets | 1.7344% | 629 |
| Return on assets (ROA) | 1.7232% | 620 |
| Pretax return on assets | 1.7232% | 1,095 |
| Return on Equity (ROE) | 19.1460% | 442 |
| Retained earnings to average equity (ytd only) | 8.0411% | 837 |
| Net charge-offs to loans | 0.3805% | 2,929 |
| Credit loss provision to net charge-offs | 122.6415% | 4,380 |
| Earnings coverage of net charge-offs (x) | 12.1745% | 2,281 |
| Efficiency ratio | 53.7662% | 7,294 |
| Assets per employee ($millions) | 4.7345% | 2,276 |
| Cash dividends to net income (ytd only)* | 58.0009% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 2,706 |
| Loan loss allowance to noncurrent loans | 161.5014% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.6732% | 2,909 |
| Noncurrent loans to loans | 0.9273% | 4,762 |
| Net loans and leases to total assets | 38.8506% | 7,722 |
| Net loans and leases to deposits | 43.8866% | 7,852 |
| Net loans and leases to core deposits | 64.1528% | 7,437 |
| Total domestic deposits to total assets | 88.5249% | 1,237 |
| Equity capital to assets | 9.0992% | 5,227 |
| Core capital (leverage) ratio | 8.8654% | 4,948 |
| Tier 1 risk-based capital ratio | 17.9941% | 2,040 |
| Total risk-based capital ratio | 19.2244% | 1,990 |
| Memoranda: | ||
| Average total assets | $267,642,600 | 2,401 |
| Average earning assets | $252,421,200 | 2,351 |
| Average equity | $24,088,600 | 2,723 |
| Average total loans | $111,424,600 | 3,649 |