Home > Charter Bank > Performance and Condition Ratios
Charter 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 | 6.8129% | 259 |
| Cost of funding earning assets | 1.2639% | 2,619 |
| Net interest margin | 5.5490% | 174 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 3.1732% | 855 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 2.7644% | 192 |
| Return on assets (ROA) | 2.7629% | 192 |
| Pretax return on assets | 2.7629% | 263 |
| Return on Equity (ROE) | 42.5900% | 79 |
| Retained earnings to average equity (ytd only) | 0.0047% | 4,043 |
| Net charge-offs to loans | 0.0470% | 1,403 |
| Credit loss provision to net charge-offs | -120.8791% | 4,486 |
| Earnings coverage of net charge-offs (x) | 100.1648% | 905 |
| Efficiency ratio | 53.2228% | 3,737 |
| Assets per employee ($millions) | 5.6051% | 3,156 |
| Cash dividends to net income (ytd only)* | 99.9889% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,113 |
| Loan loss allowance to noncurrent loans | 229.2050% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 1,407 |
| Noncurrent loans to loans | 0.6451% | 1,215 |
| Net loans and leases to total assets | 60.3000% | 2,820 |
| Net loans and leases to deposits | 73.2390% | 2,675 |
| Net loans and leases to core deposits | 79.5216% | 2,734 |
| Total domestic deposits to total assets | 82.3300% | 3,062 |
| Equity capital to assets | 7.5629% | 3,678 |
| Core capital (leverage) ratio | 10.7685% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5278% | 990 |
| Memoranda: | ||
| Average total assets | $326,830,000 | 2,285 |
| Average earning assets | $313,713,600 | 2,231 |
| Average equity | $21,200,000 | 2,759 |
| Average total loans | $193,699,400 | 2,334 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7357% | 244 |
| Cost of funding earning assets | 1.1885% | 2,465 |
| Net interest margin | 5.5471% | 173 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.0722% | 966 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.8327% | 199 |
| Return on assets (ROA) | 2.8307% | 198 |
| Pretax return on assets | 2.8307% | 272 |
| Return on Equity (ROE) | 45.3500% | 89 |
| Retained earnings to average equity (ytd only) | 11.6599% | 1,031 |
| Net charge-offs to loans | 0.0620% | 1,043 |
| Credit loss provision to net charge-offs | 87.9121% | 1,708 |
| Earnings coverage of net charge-offs (x) | 78.5934% | 1,058 |
| Efficiency ratio | 51.7474% | 3,775 |
| Assets per employee ($millions) | 5.8684% | 2,867 |
| Cash dividends to net income (ytd only)* | 74.2889% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,022 |
| Loan loss allowance to noncurrent loans | 265.7895% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 1,639 |
| Noncurrent loans to loans | 0.5777% | 1,389 |
| Net loans and leases to total assets | 59.2700% | 2,913 |
| Net loans and leases to deposits | 73.7858% | 2,589 |
| Net loans and leases to core deposits | 79.8619% | 2,615 |
| Total domestic deposits to total assets | 80.3300% | 3,485 |
| Equity capital to assets | 5.8061% | 4,049 |
| Core capital (leverage) ratio | 10.6168% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8438% | 966 |
| Memoranda: | ||
| Average total assets | $332,869,000 | 2,254 |
| Average earning assets | $319,485,750 | 2,210 |
| Average equity | $20,777,250 | 2,784 |
| Average total loans | $195,814,000 | 2,316 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5573% | 245 |
| Cost of funding earning assets | 1.1100% | 2,254 |
| Net interest margin | 5.4473% | 184 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.9238% | 1,164 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.8569% | 168 |
| Return on assets (ROA) | 2.8569% | 166 |
| Pretax return on assets | 2.8569% | 233 |
| Return on Equity (ROE) | 44.7900% | 84 |
| Retained earnings to average equity (ytd only) | 16.8475% | 400 |
| Net charge-offs to loans | 0.0770% | 810 |
| Credit loss provision to net charge-offs | 105.2632% | 1,405 |
| Earnings coverage of net charge-offs (x) | 64.6184% | 1,158 |
| Efficiency ratio | 50.1674% | 3,915 |
| Assets per employee ($millions) | 6.2072% | 2,534 |
| Cash dividends to net income (ytd only)* | 62.3887% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,168 |
| Loan loss allowance to noncurrent loans | 237.4194% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 1,415 |
| Noncurrent loans to loans | 0.6334% | 1,176 |
| Net loans and leases to total assets | 58.6100% | 2,908 |
| Net loans and leases to deposits | 75.0226% | 2,404 |
| Net loans and leases to core deposits | 79.8145% | 2,480 |
| Total domestic deposits to total assets | 78.1300% | 3,834 |
| Equity capital to assets | 6.7335% | 3,903 |
| Core capital (leverage) ratio | 10.4798% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7091% | 1,002 |
| Memoranda: | ||
| Average total assets | $338,194,667 | 2,248 |
| Average earning assets | $325,044,667 | 2,205 |
| Average equity | $21,570,000 | 2,735 |
| Average total loans | $197,501,000 | 2,307 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4245% | 200 |
| Cost of funding earning assets | 1.0016% | 2,044 |
| Net interest margin | 5.4229% | 164 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.7783% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.0245% | 150 |
| Return on assets (ROA) | 3.0245% | 150 |
| Pretax return on assets | 3.0245% | 197 |
| Return on Equity (ROE) | 48.7200% | 76 |
| Retained earnings to average equity (ytd only) | 34.1181% | 83 |
| Net charge-offs to loans | 0.1512% | 453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 34.5600% | 1,250 |
| Efficiency ratio | 47.8785% | 4,087 |
| Assets per employee ($millions) | 6.1426% | 2,639 |
| Cash dividends to net income (ytd only)* | 29.9769% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,432 |
| Loan loss allowance to noncurrent loans | 228.6512% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 1,388 |
| Noncurrent loans to loans | 0.6344% | 1,186 |
| Net loans and leases to total assets | 57.6200% | 2,898 |
| Net loans and leases to deposits | 71.4349% | 2,510 |
| Net loans and leases to core deposits | 73.8141% | 2,687 |
| Total domestic deposits to total assets | 80.6600% | 3,683 |
| Equity capital to assets | 6.7374% | 3,946 |
| Core capital (leverage) ratio | 10.2320% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4439% | 1,081 |
| Memoranda: | ||
| Average total assets | $342,802,000 | 2,264 |
| Average earning assets | $329,489,000 | 2,217 |
| Average equity | $21,279,000 | 2,772 |
| Average total loans | $198,368,000 | 2,320 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1942% | 82 |
| Cost of funding earning assets | 0.2722% | 3,133 |
| Net interest margin | 5.9220% | 58 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.7196% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 3.5725% | 87 |
| Return on assets (ROA) | 3.4376% | 89 |
| Pretax return on assets | 3.4376% | 102 |
| Return on Equity (ROE) | 53.5100% | 28 |
| Retained earnings to average equity (ytd only) | 29.3329% | 33 |
| Net charge-offs to loans | -0.0095% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.2226% | 4,452 |
| Assets per employee ($millions) | 6.4400% | 2,388 |
| Cash dividends to net income (ytd only)* | 45.1786% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,274 |
| Loan loss allowance to noncurrent loans | 877.6119% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 2,869 |
| Noncurrent loans to loans | 0.1682% | 2,641 |
| Net loans and leases to total assets | 56.4400% | 2,981 |
| Net loans and leases to deposits | 70.9253% | 2,497 |
| Net loans and leases to core deposits | 73.3881% | 2,617 |
| Total domestic deposits to total assets | 79.5800% | 3,937 |
| Equity capital to assets | 5.6924% | 4,184 |
| Core capital (leverage) ratio | 9.7420% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4633% | 1,248 |
| Memoranda: | ||
| Average total assets | $324,902,800 | 2,325 |
| Average earning assets | $311,210,400 | 2,277 |
| Average equity | $20,874,200 | 2,868 |
| Average total loans | $188,816,800 | 2,316 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1647% | 70 |
| Cost of funding earning assets | 0.1253% | 4,078 |
| Net interest margin | 6.0394% | 48 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 3.0677% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 3.3426% | 98 |
| Return on assets (ROA) | 3.3375% | 94 |
| Pretax return on assets | 3.3375% | 114 |
| Return on Equity (ROE) | 50.3800% | 28 |
| Retained earnings to average equity (ytd only) | 19.7626% | 110 |
| Net charge-offs to loans | -0.0057% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.8561% | 4,281 |
| Assets per employee ($millions) | 5.5541% | 3,164 |
| Cash dividends to net income (ytd only)* | 60.7760% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,179 |
| Loan loss allowance to noncurrent loans | 403.5813% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 2,039 |
| Noncurrent loans to loans | 0.3826% | 1,864 |
| Net loans and leases to total assets | 61.1700% | 2,387 |
| Net loans and leases to deposits | 65.0819% | 2,785 |
| Net loans and leases to core deposits | 67.3940% | 2,849 |
| Total domestic deposits to total assets | 93.9800% | 363 |
| Equity capital to assets | 4.4109% | 4,417 |
| Core capital (leverage) ratio | 9.7709% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5354% | 1,557 |
| Memoranda: | ||
| Average total assets | $319,188,250 | 2,373 |
| Average earning assets | $305,432,750 | 2,320 |
| Average equity | $21,143,750 | 2,882 |
| Average total loans | $186,216,500 | 2,337 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0972% | 63 |
| Cost of funding earning assets | 0.1163% | 4,008 |
| Net interest margin | 5.9809% | 48 |
| Noninterest income to average assets | 0.6134% | 1,681 |
| Noninterest expense to average assets | 3.1109% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.2203% | 63 |
| Return on assets (ROA) | 3.3438% | 57 |
| Pretax return on assets | 3.3438% | 75 |
| Return on Equity (ROE) | 45.6787% | 18 |
| Retained earnings to average equity (ytd only) | 16.9112% | 156 |
| Net charge-offs to loans | -0.0141% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1365% | 4,304 |
| Assets per employee ($millions) | 5.9633% | 2,775 |
| Cash dividends to net income (ytd only)* | 62.9780% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,287 |
| Loan loss allowance to noncurrent loans | 2,223.4848% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 3,571 |
| Noncurrent loans to loans | 0.0695% | 3,451 |
| Net loans and leases to total assets | 59.1634% | 2,420 |
| Net loans and leases to deposits | 68.2062% | 2,377 |
| Net loans and leases to core deposits | 71.2745% | 2,393 |
| Total domestic deposits to total assets | 86.7419% | 3,023 |
| Equity capital to assets | 4.6941% | 4,535 |
| Core capital (leverage) ratio | 9.3909% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9183% | 1,725 |
| Memoranda: | ||
| Average total assets | $323,760,000 | 2,369 |
| Average earning assets | $309,520,000 | 2,329 |
| Average equity | $23,700,333 | 2,764 |
| Average total loans | $185,031,000 | 2,347 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0966% | 63 |
| Cost of funding earning assets | 0.0887% | 4,264 |
| Net interest margin | 6.0079% | 50 |
| Noninterest income to average assets | 0.6080% | 1,661 |
| Noninterest expense to average assets | 3.0512% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.3454% | 63 |
| Return on assets (ROA) | 3.5884% | 56 |
| Pretax return on assets | 3.5884% | 73 |
| Return on Equity (ROE) | 41.7880% | 27 |
| Retained earnings to average equity (ytd only) | 28.4653% | 42 |
| Net charge-offs to loans | -0.0372% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6999% | 4,417 |
| Assets per employee ($millions) | 5.9285% | 2,869 |
| Cash dividends to net income (ytd only)* | 31.8816% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,231 |
| Loan loss allowance to noncurrent loans | 2,129.7101% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,597 |
| Noncurrent loans to loans | 0.0758% | 3,463 |
| Net loans and leases to total assets | 56.9974% | 2,418 |
| Net loans and leases to deposits | 66.0845% | 2,332 |
| Net loans and leases to core deposits | 69.0945% | 2,370 |
| Total domestic deposits to total assets | 86.2493% | 3,176 |
| Equity capital to assets | 7.4065% | 3,986 |
| Core capital (leverage) ratio | 9.0860% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6820% | 1,589 |
| Memoranda: | ||
| Average total assets | $327,611,500 | 2,356 |
| Average earning assets | $315,651,500 | 2,307 |
| Average equity | $28,132,500 | 2,596 |
| Average total loans | $182,584,000 | 2,359 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8356% | 93 |
| Cost of funding earning assets | 0.0926% | 4,438 |
| Net interest margin | 5.7430% | 68 |
| Noninterest income to average assets | 0.5899% | 2,206 |
| Noninterest expense to average assets | 3.2617% | 668 |
| Loan and lease loss provision to assets | -0.1971% | 4,695 |
| Net operating income to assets | 3.0611% | 98 |
| Return on assets (ROA) | 3.0629% | 98 |
| Pretax return on assets | 3.0629% | 138 |
| Return on Equity (ROE) | 31.3116% | 61 |
| Retained earnings to average equity (ytd only) | 2.8827% | 3,685 |
| Net charge-offs to loans | 0.0038% | 2,474 |
| Credit loss provision to net charge-offs | -9,557.1429% | 4,221 |
| Earnings coverage of net charge-offs (x) | 1,388.5714% | 106 |
| Efficiency ratio | 53.2468% | 4,005 |
| Assets per employee ($millions) | 6.2003% | 2,574 |
| Cash dividends to net income (ytd only)* | 90.7937% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,272 |
| Loan loss allowance to noncurrent loans | 513.5325% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,768 |
| Noncurrent loans to loans | 0.3107% | 2,475 |
| Net loans and leases to total assets | 52.8471% | 2,974 |
| Net loans and leases to deposits | 64.4688% | 2,644 |
| Net loans and leases to core deposits | 67.3763% | 2,702 |
| Total domestic deposits to total assets | 81.9732% | 3,970 |
| Equity capital to assets | 9.6750% | 2,968 |
| Core capital (leverage) ratio | 8.5029% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8573% | 1,905 |
| Memoranda: | ||
| Average total assets | $339,388,800 | 2,248 |
| Average earning assets | $327,145,000 | 2,201 |
| Average equity | $33,198,600 | 2,376 |
| Average total loans | $182,110,800 | 2,370 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8526% | 100 |
| Cost of funding earning assets | 0.1013% | 4,491 |
| Net interest margin | 5.7514% | 71 |
| Noninterest income to average assets | 0.5798% | 2,302 |
| Noninterest expense to average assets | 3.2567% | 640 |
| Loan and lease loss provision to assets | -0.2631% | 4,807 |
| Net operating income to assets | 3.1269% | 110 |
| Return on assets (ROA) | 3.1289% | 113 |
| Pretax return on assets | 3.1289% | 158 |
| Return on Equity (ROE) | 31.8990% | 76 |
| Retained earnings to average equity (ytd only) | 3.0275% | 3,902 |
| Net charge-offs to loans | 0.0037% | 2,218 |
| Credit loss provision to net charge-offs | -13,380.0000% | 4,222 |
| Earnings coverage of net charge-offs (x) | 1,456.2000% | 103 |
| Efficiency ratio | 53.2099% | 3,903 |
| Assets per employee ($millions) | 6.0445% | 2,649 |
| Cash dividends to net income (ytd only)* | 90.5091% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 1,195 |
| Loan loss allowance to noncurrent loans | 678.4223% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 3,249 |
| Noncurrent loans to loans | 0.2447% | 2,956 |
| Net loans and leases to total assets | 52.0945% | 3,184 |
| Net loans and leases to deposits | 61.7082% | 3,066 |
| Net loans and leases to core deposits | 64.4142% | 3,093 |
| Total domestic deposits to total assets | 84.4206% | 3,330 |
| Equity capital to assets | 10.1653% | 2,743 |
| Core capital (leverage) ratio | 8.5062% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9742% | 1,620 |
| Memoranda: | ||
| Average total assets | $338,982,500 | 2,268 |
| Average earning assets | $326,569,750 | 2,221 |
| Average equity | $33,250,000 | 2,401 |
| Average total loans | $181,854,000 | 2,411 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 115 |
| Cost of funding earning assets | 0.1182% | 4,453 |
| Net interest margin | 5.6935% | 77 |
| Noninterest income to average assets | 0.5552% | 2,387 |
| Noninterest expense to average assets | 3.3327% | 591 |
| Loan and lease loss provision to assets | -0.3922% | 4,875 |
| Net operating income to assets | 3.0936% | 114 |
| Return on assets (ROA) | 3.0971% | 121 |
| Pretax return on assets | 3.0971% | 171 |
| Return on Equity (ROE) | 31.9517% | 81 |
| Retained earnings to average equity (ytd only) | 2.4374% | 4,011 |
| Net charge-offs to loans | 0.0098% | 1,780 |
| Credit loss provision to net charge-offs | -7,433.3333% | 4,025 |
| Earnings coverage of net charge-offs (x) | 512.0000% | 256 |
| Efficiency ratio | 55.2317% | 3,637 |
| Assets per employee ($millions) | 6.2273% | 2,405 |
| Cash dividends to net income (ytd only)* | 92.3718% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,307 |
| Loan loss allowance to noncurrent loans | 594.7047% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 3,292 |
| Noncurrent loans to loans | 0.2669% | 2,981 |
| Net loans and leases to total assets | 52.8662% | 3,269 |
| Net loans and leases to deposits | 62.8182% | 3,124 |
| Net loans and leases to core deposits | 65.7491% | 3,136 |
| Total domestic deposits to total assets | 84.1576% | 3,378 |
| Equity capital to assets | 9.8016% | 3,056 |
| Core capital (leverage) ratio | 8.0638% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8263% | 1,683 |
| Memoranda: | ||
| Average total assets | $341,161,333 | 2,247 |
| Average earning assets | $328,304,000 | 2,200 |
| Average equity | $33,068,667 | 2,402 |
| Average total loans | $183,768,667 | 2,409 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5775% | 181 |
| Cost of funding earning assets | 0.1481% | 4,319 |
| Net interest margin | 5.4295% | 112 |
| Noninterest income to average assets | 0.5369% | 2,446 |
| Noninterest expense to average assets | 2.7701% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.9792% | 157 |
| Return on assets (ROA) | 2.9816% | 174 |
| Pretax return on assets | 2.9816% | 235 |
| Return on Equity (ROE) | 30.9347% | 125 |
| Retained earnings to average equity (ytd only) | 1.2432% | 4,170 |
| Net charge-offs to loans | 0.0087% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 634.0000% | 158 |
| Efficiency ratio | 48.1814% | 4,328 |
| Assets per employee ($millions) | 6.3958% | 2,260 |
| Cash dividends to net income (ytd only)* | 95.9811% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 766 |
| Loan loss allowance to noncurrent loans | 318.3348% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 2,541 |
| Noncurrent loans to loans | 0.5885% | 2,098 |
| Net loans and leases to total assets | 53.5191% | 3,287 |
| Net loans and leases to deposits | 66.5036% | 2,864 |
| Net loans and leases to core deposits | 71.6355% | 2,734 |
| Total domestic deposits to total assets | 80.4755% | 4,144 |
| Equity capital to assets | 8.8445% | 3,839 |
| Core capital (leverage) ratio | 8.1162% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9020% | 1,598 |
| Memoranda: | ||
| Average total assets | $340,490,000 | 2,237 |
| Average earning assets | $326,883,500 | 2,189 |
| Average equity | $32,817,500 | 2,406 |
| Average total loans | $183,658,500 | 2,413 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1902% | 73 |
| Cost of funding earning assets | 0.2741% | 4,279 |
| Net interest margin | 5.9161% | 47 |
| Noninterest income to average assets | 0.5980% | 2,219 |
| Noninterest expense to average assets | 3.1191% | 1,192 |
| Loan and lease loss provision to assets | 0.2584% | 1,506 |
| Net operating income to assets | 2.8956% | 102 |
| Return on assets (ROA) | 3.0225% | 93 |
| Pretax return on assets | 3.0225% | 120 |
| Return on Equity (ROE) | 28.2309% | 75 |
| Retained earnings to average equity (ytd only) | 1.5178% | 4,026 |
| Net charge-offs to loans | 0.0091% | 2,998 |
| Credit loss provision to net charge-offs | 5,000.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 610.1875% | 195 |
| Efficiency ratio | 49.7219% | 4,548 |
| Assets per employee ($millions) | 6.3310% | 2,060 |
| Cash dividends to net income (ytd only)* | 94.6238% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 532 |
| Loan loss allowance to noncurrent loans | 204.5480% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 1,961 |
| Noncurrent loans to loans | 1.0025% | 1,417 |
| Net loans and leases to total assets | 52.2041% | 3,645 |
| Net loans and leases to deposits | 63.6375% | 3,465 |
| Net loans and leases to core deposits | 69.2155% | 3,313 |
| Total domestic deposits to total assets | 82.0335% | 3,653 |
| Equity capital to assets | 10.4866% | 2,685 |
| Core capital (leverage) ratio | 8.3573% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4239% | 1,420 |
| Memoranda: | ||
| Average total assets | $309,543,600 | 2,244 |
| Average earning assets | $296,936,800 | 2,202 |
| Average equity | $33,141,000 | 2,331 |
| Average total loans | $175,154,200 | 2,444 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3034% | 76 |
| Cost of funding earning assets | 0.3103% | 4,266 |
| Net interest margin | 5.9931% | 46 |
| Noninterest income to average assets | 0.6001% | 2,177 |
| Noninterest expense to average assets | 3.1421% | 1,167 |
| Loan and lease loss provision to assets | 0.3063% | 1,314 |
| Net operating income to assets | 2.8997% | 101 |
| Return on assets (ROA) | 2.9684% | 99 |
| Pretax return on assets | 2.9684% | 122 |
| Return on Equity (ROE) | 27.5722% | 85 |
| Retained earnings to average equity (ytd only) | 0.8212% | 4,306 |
| Net charge-offs to loans | 0.0099% | 2,747 |
| Credit loss provision to net charge-offs | 5,384.6154% | 211 |
| Earnings coverage of net charge-offs (x) | 563.4615% | 211 |
| Efficiency ratio | 49.4967% | 4,527 |
| Assets per employee ($millions) | 5.9925% | 2,270 |
| Cash dividends to net income (ytd only)* | 97.0215% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 502 |
| Loan loss allowance to noncurrent loans | 260.4911% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 2,474 |
| Noncurrent loans to loans | 0.7640% | 1,902 |
| Net loans and leases to total assets | 54.2868% | 3,781 |
| Net loans and leases to deposits | 62.0727% | 3,927 |
| Net loans and leases to core deposits | 67.1521% | 3,813 |
| Total domestic deposits to total assets | 87.4569% | 1,472 |
| Equity capital to assets | 10.6178% | 2,692 |
| Core capital (leverage) ratio | 8.4682% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8021% | 1,305 |
| Memoranda: | ||
| Average total assets | $304,626,500 | 2,252 |
| Average earning assets | $292,172,750 | 2,206 |
| Average equity | $32,795,500 | 2,335 |
| Average total loans | $175,077,750 | 2,444 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5297% | 84 |
| Cost of funding earning assets | 0.3662% | 4,195 |
| Net interest margin | 6.1634% | 56 |
| Noninterest income to average assets | 0.6154% | 2,074 |
| Noninterest expense to average assets | 3.2261% | 1,112 |
| Loan and lease loss provision to assets | 0.3996% | 1,011 |
| Net operating income to assets | 2.8851% | 96 |
| Return on assets (ROA) | 2.9897% | 91 |
| Pretax return on assets | 2.9897% | 117 |
| Return on Equity (ROE) | 27.6360% | 82 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,304 |
| Net charge-offs to loans | 0.0103% | 2,576 |
| Credit loss provision to net charge-offs | 6,666.6667% | 175 |
| Earnings coverage of net charge-offs (x) | 548.0000% | 189 |
| Efficiency ratio | 49.5499% | 4,526 |
| Assets per employee ($millions) | 6.0852% | 2,106 |
| Cash dividends to net income (ytd only)* | 100.0000% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 578 |
| Loan loss allowance to noncurrent loans | 259.9237% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 2,668 |
| Noncurrent loans to loans | 0.7154% | 2,089 |
| Net loans and leases to total assets | 55.7240% | 3,714 |
| Net loans and leases to deposits | 63.3174% | 3,935 |
| Net loans and leases to core deposits | 69.6197% | 3,738 |
| Total domestic deposits to total assets | 88.0073% | 1,181 |
| Equity capital to assets | 10.4703% | 2,767 |
| Core capital (leverage) ratio | 8.7770% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6840% | 1,322 |
| Memoranda: | ||
| Average total assets | $300,302,000 | 2,252 |
| Average earning assets | $287,242,000 | 2,210 |
| Average equity | $32,486,667 | 2,339 |
| Average total loans | $174,798,333 | 2,434 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9821% | 63 |
| Cost of funding earning assets | 0.4690% | 4,074 |
| Net interest margin | 6.5132% | 46 |
| Noninterest income to average assets | 0.7179% | 1,579 |
| Noninterest expense to average assets | 3.4828% | 962 |
| Loan and lease loss provision to assets | 0.5533% | 515 |
| Net operating income to assets | 2.8866% | 73 |
| Return on assets (ROA) | 3.1038% | 58 |
| Pretax return on assets | 3.1038% | 80 |
| Return on Equity (ROE) | 28.1856% | 41 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,988 |
| Net charge-offs to loans | 0.0164% | 2,045 |
| Credit loss provision to net charge-offs | 5,714.2857% | 135 |
| Earnings coverage of net charge-offs (x) | 355.2857% | 196 |
| Efficiency ratio | 50.3097% | 4,650 |
| Assets per employee ($millions) | 5.3540% | 2,269 |
| Cash dividends to net income (ytd only)* | 100.0000% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 620 |
| Loan loss allowance to noncurrent loans | 367.3540% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,217 |
| Noncurrent loans to loans | 0.5141% | 2,726 |
| Net loans and leases to total assets | 58.7110% | 3,615 |
| Net loans and leases to deposits | 71.7196% | 3,455 |
| Net loans and leases to core deposits | 80.5834% | 3,146 |
| Total domestic deposits to total assets | 81.8618% | 3,454 |
| Equity capital to assets | 11.2415% | 2,646 |
| Core capital (leverage) ratio | 9.5548% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5581% | 1,738 |
| Memoranda: | ||
| Average total assets | $289,196,500 | 2,271 |
| Average earning assets | $275,504,000 | 2,222 |
| Average equity | $31,846,000 | 2,361 |
| Average total loans | $170,636,500 | 2,445 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8755% | 74 |
| Cost of funding earning assets | 0.4966% | 4,106 |
| Net interest margin | 6.3790% | 50 |
| Noninterest income to average assets | 0.9766% | 1,022 |
| Noninterest expense to average assets | 3.4624% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 3.6087% | 57 |
| Return on assets (ROA) | 3.6087% | 61 |
| Pretax return on assets | 3.6087% | 75 |
| Return on Equity (ROE) | 33.9974% | 31 |
| Retained earnings to average equity (ytd only) | 0.0163% | 4,689 |
| Net charge-offs to loans | 0.0084% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 743.2857% | 136 |
| Efficiency ratio | 48.9652% | 4,786 |
| Assets per employee ($millions) | 5.5591% | 2,016 |
| Cash dividends to net income (ytd only)* | 99.9520% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 900 |
| Loan loss allowance to noncurrent loans | 185.7426% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 2,278 |
| Noncurrent loans to loans | 0.8836% | 1,738 |
| Net loans and leases to total assets | 57.2419% | 3,827 |
| Net loans and leases to deposits | 71.7663% | 3,537 |
| Net loans and leases to core deposits | 80.5391% | 3,251 |
| Total domestic deposits to total assets | 79.7615% | 4,027 |
| Equity capital to assets | 10.7907% | 3,193 |
| Core capital (leverage) ratio | 9.1387% | 4,412 |
| Tier 1 risk-based capital ratio | 13.7824% | 3,377 |
| Total risk-based capital ratio | 15.0349% | 3,280 |
| Memoranda: | ||
| Average total assets | $288,356,600 | 2,234 |
| Average earning assets | $275,498,600 | 2,177 |
| Average equity | $30,608,200 | 2,356 |
| Average total loans | $165,807,800 | 2,456 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8584% | 78 |
| Cost of funding earning assets | 0.5011% | 4,137 |
| Net interest margin | 6.3573% | 49 |
| Noninterest income to average assets | 0.8001% | 1,420 |
| Noninterest expense to average assets | 3.4347% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.4408% | 62 |
| Return on assets (ROA) | 3.4408% | 64 |
| Pretax return on assets | 3.4408% | 86 |
| Return on Equity (ROE) | 32.5539% | 30 |
| Retained earnings to average equity (ytd only) | 0.0132% | 4,753 |
| Net charge-offs to loans | 0.0097% | 3,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 616.7344% | 160 |
| Efficiency ratio | 49.9560% | 4,747 |
| Assets per employee ($millions) | 5.5444% | 1,991 |
| Cash dividends to net income (ytd only)* | 99.9595% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 930 |
| Loan loss allowance to noncurrent loans | 281.3187% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 3,009 |
| Noncurrent loans to loans | 0.5821% | 2,542 |
| Net loans and leases to total assets | 56.4993% | 4,015 |
| Net loans and leases to deposits | 68.5990% | 3,876 |
| Net loans and leases to core deposits | 77.2966% | 3,604 |
| Total domestic deposits to total assets | 82.3617% | 3,369 |
| Equity capital to assets | 10.5902% | 3,478 |
| Core capital (leverage) ratio | 9.2766% | 4,397 |
| Tier 1 risk-based capital ratio | 13.4059% | 3,632 |
| Total risk-based capital ratio | 14.6580% | 3,529 |
| Memoranda: | ||
| Average total assets | $286,787,750 | 2,254 |
| Average earning assets | $274,069,750 | 2,198 |
| Average equity | $30,312,000 | 2,385 |
| Average total loans | $164,393,000 | 2,487 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9179% | 75 |
| Cost of funding earning assets | 0.5386% | 3,939 |
| Net interest margin | 6.3793% | 53 |
| Noninterest income to average assets | 0.8564% | 1,189 |
| Noninterest expense to average assets | 3.4142% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.5359% | 64 |
| Return on assets (ROA) | 3.5359% | 68 |
| Pretax return on assets | 3.5359% | 84 |
| Return on Equity (ROE) | 33.4774% | 29 |
| Retained earnings to average equity (ytd only) | 0.0067% | 4,680 |
| Net charge-offs to loans | 0.0124% | 2,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 499.6000% | 151 |
| Efficiency ratio | 49.1242% | 4,831 |
| Assets per employee ($millions) | 5.2398% | 2,215 |
| Cash dividends to net income (ytd only)* | 99.9800% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 800 |
| Loan loss allowance to noncurrent loans | 324.6544% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 3,225 |
| Noncurrent loans to loans | 0.5261% | 2,702 |
| Net loans and leases to total assets | 56.2712% | 4,060 |
| Net loans and leases to deposits | 68.5613% | 3,935 |
| Net loans and leases to core deposits | 75.9968% | 3,730 |
| Total domestic deposits to total assets | 82.0743% | 3,487 |
| Equity capital to assets | 10.8592% | 3,218 |
| Core capital (leverage) ratio | 9.4830% | 4,161 |
| Tier 1 risk-based capital ratio | 14.0278% | 3,304 |
| Total risk-based capital ratio | 15.2806% | 3,216 |
| Memoranda: | ||
| Average total assets | $282,583,670 | 2,281 |
| Average earning assets | $269,936,670 | 2,229 |
| Average equity | $29,847,000 | 2,408 |
| Average total loans | $161,865,670 | 2,516 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7203% | 95 |
| Cost of funding earning assets | 0.5458% | 3,844 |
| Net interest margin | 6.1745% | 60 |
| Noninterest income to average assets | 0.9979% | 814 |
| Noninterest expense to average assets | 3.3855% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 3.5156% | 69 |
| Return on assets (ROA) | 3.5156% | 72 |
| Pretax return on assets | 3.5156% | 85 |
| Return on Equity (ROE) | 33.7740% | 36 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,528 |
| Net charge-offs to loans | 0.0324% | 1,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 189.1538% | 411 |
| Efficiency ratio | 49.0574% | 4,891 |
| Assets per employee ($millions) | 5.0443% | 2,466 |
| Cash dividends to net income (ytd only)* | 100.0000% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 724 |
| Loan loss allowance to noncurrent loans | 154.8405% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 2,054 |
| Noncurrent loans to loans | 1.1536% | 1,448 |
| Net loans and leases to total assets | 55.7888% | 4,079 |
| Net loans and leases to deposits | 67.9823% | 3,930 |
| Net loans and leases to core deposits | 74.6093% | 3,761 |
| Total domestic deposits to total assets | 82.0638% | 3,707 |
| Equity capital to assets | 10.7350% | 3,127 |
| Core capital (leverage) ratio | 9.5329% | 4,091 |
| Tier 1 risk-based capital ratio | 14.6321% | 3,046 |
| Total risk-based capital ratio | 15.8858% | 2,965 |
| Memoranda: | ||
| Average total assets | $279,780,500 | 2,315 |
| Average earning assets | $267,488,000 | 2,258 |
| Average equity | $29,123,000 | 2,458 |
| Average total loans | $160,305,500 | 2,561 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5521% | 84 |
| Cost of funding earning assets | 0.3049% | 4,554 |
| Net interest margin | 6.2472% | 63 |
| Noninterest income to average assets | 0.6740% | 1,948 |
| Noninterest expense to average assets | 3.2093% | 1,528 |
| Loan and lease loss provision to assets | 0.2471% | 697 |
| Net operating income to assets | 3.1960% | 71 |
| Return on assets (ROA) | 3.2521% | 68 |
| Pretax return on assets | 3.2521% | 78 |
| Return on Equity (ROE) | 31.4112% | 28 |
| Retained earnings to average equity (ytd only) | 4.2448% | 3,217 |
| Net charge-offs to loans | 0.0300% | 2,799 |
| Credit loss provision to net charge-offs | 1,486.6667% | 286 |
| Earnings coverage of net charge-offs (x) | 207.1778% | 442 |
| Efficiency ratio | 48.2429% | 5,033 |
| Assets per employee ($millions) | 5.1295% | 2,350 |
| Cash dividends to net income (ytd only)* | 86.4865% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 779 |
| Loan loss allowance to noncurrent loans | 119.0737% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 1,659 |
| Noncurrent loans to loans | 1.4569% | 1,053 |
| Net loans and leases to total assets | 56.7797% | 4,071 |
| Net loans and leases to deposits | 69.1380% | 3,889 |
| Net loans and leases to core deposits | 75.8908% | 3,728 |
| Total domestic deposits to total assets | 82.1251% | 3,611 |
| Equity capital to assets | 10.0889% | 3,585 |
| Core capital (leverage) ratio | 9.5369% | 4,080 |
| Tier 1 risk-based capital ratio | 14.2373% | 3,187 |
| Total risk-based capital ratio | 15.4903% | 3,111 |
| Memoranda: | ||
| Average total assets | $270,775,400 | 2,328 |
| Average earning assets | $259,125,000 | 2,271 |
| Average equity | $28,034,600 | 2,458 |
| Average total loans | $149,952,400 | 2,639 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4340% | 93 |
| Cost of funding earning assets | 0.2759% | 4,649 |
| Net interest margin | 6.1580% | 67 |
| Noninterest income to average assets | 0.6957% | 1,878 |
| Noninterest expense to average assets | 3.0573% | 1,866 |
| Loan and lease loss provision to assets | 0.3329% | 420 |
| Net operating income to assets | 3.2021% | 68 |
| Return on assets (ROA) | 3.2564% | 66 |
| Pretax return on assets | 3.2564% | 89 |
| Return on Equity (ROE) | 31.2420% | 34 |
| Retained earnings to average equity (ytd only) | 6.6408% | 2,313 |
| Net charge-offs to loans | 0.0245% | 2,633 |
| Credit loss provision to net charge-offs | 2,477.7778% | 171 |
| Earnings coverage of net charge-offs (x) | 263.1044% | 356 |
| Efficiency ratio | 46.3768% | 5,132 |
| Assets per employee ($millions) | 5.0809% | 2,364 |
| Cash dividends to net income (ytd only)* | 78.7438% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7876% | 744 |
| Loan loss allowance to noncurrent loans | 100.7790% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 1,374 |
| Noncurrent loans to loans | 1.7737% | 870 |
| Net loans and leases to total assets | 55.9544% | 4,223 |
| Net loans and leases to deposits | 64.0966% | 4,325 |
| Net loans and leases to core deposits | 70.2187% | 4,179 |
| Total domestic deposits to total assets | 87.2969% | 1,598 |
| Equity capital to assets | 9.8679% | 3,768 |
| Core capital (leverage) ratio | 9.7527% | 3,897 |
| Tier 1 risk-based capital ratio | 14.7340% | 3,001 |
| Total risk-based capital ratio | 15.9876% | 2,921 |
| Memoranda: | ||
| Average total assets | $267,938,750 | 2,360 |
| Average earning assets | $256,569,750 | 2,300 |
| Average equity | $27,927,500 | 2,463 |
| Average total loans | $146,686,500 | 2,697 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3492% | 90 |
| Cost of funding earning assets | 0.2461% | 4,769 |
| Net interest margin | 6.1031% | 70 |
| Noninterest income to average assets | 0.6891% | 1,914 |
| Noninterest expense to average assets | 2.8807% | 2,405 |
| Loan and lease loss provision to assets | 0.5066% | 224 |
| Net operating income to assets | 3.1435% | 74 |
| Return on assets (ROA) | 3.1435% | 73 |
| Pretax return on assets | 3.1435% | 98 |
| Return on Equity (ROE) | 29.6028% | 43 |
| Retained earnings to average equity (ytd only) | 5.6053% | 2,768 |
| Net charge-offs to loans | 0.0154% | 2,627 |
| Credit loss provision to net charge-offs | 6,081.8182% | 65 |
| Earnings coverage of net charge-offs (x) | 438.1818% | 210 |
| Efficiency ratio | 44.1095% | 5,281 |
| Assets per employee ($millions) | 5.2279% | 2,168 |
| Cash dividends to net income (ytd only)* | 81.0648% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 617 |
| Loan loss allowance to noncurrent loans | 98.4520% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1333% | 1,293 |
| Noncurrent loans to loans | 1.9436% | 785 |
| Net loans and leases to total assets | 53.9656% | 4,341 |
| Net loans and leases to deposits | 61.1463% | 4,469 |
| Net loans and leases to core deposits | 68.1145% | 4,246 |
| Total domestic deposits to total assets | 88.2565% | 1,246 |
| Equity capital to assets | 10.4089% | 3,198 |
| Core capital (leverage) ratio | 9.7480% | 3,842 |
| Tier 1 risk-based capital ratio | 15.3341% | 2,713 |
| Total risk-based capital ratio | 16.5894% | 2,645 |
| Memoranda: | ||
| Average total assets | $264,101,330 | 2,391 |
| Average earning assets | $252,787,670 | 2,337 |
| Average equity | $28,044,670 | 2,475 |
| Average total loans | $142,511,670 | 2,770 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2175% | 102 |
| Cost of funding earning assets | 0.1928% | 5,055 |
| Net interest margin | 6.0247% | 69 |
| Noninterest income to average assets | 0.6948% | 1,852 |
| Noninterest expense to average assets | 2.4225% | 3,888 |
| Loan and lease loss provision to assets | 1.0283% | 80 |
| Net operating income to assets | 3.0066% | 83 |
| Return on assets (ROA) | 3.0066% | 84 |
| Pretax return on assets | 3.0066% | 114 |
| Return on Equity (ROE) | 28.0244% | 57 |
| Retained earnings to average equity (ytd only) | 2.4643% | 4,184 |
| Net charge-offs to loans | 0.0086% | 2,424 |
| Credit loss provision to net charge-offs | 22,300.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 875.0000% | 72 |
| Efficiency ratio | 37.5149% | 5,493 |
| Assets per employee ($millions) | 5.0732% | 2,400 |
| Cash dividends to net income (ytd only)* | 91.2065% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0500% | 488 |
| Loan loss allowance to noncurrent loans | 88.4710% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 1,227 |
| Noncurrent loans to loans | 2.3172% | 618 |
| Net loans and leases to total assets | 51.9810% | 4,438 |
| Net loans and leases to deposits | 59.0046% | 4,537 |
| Net loans and leases to core deposits | 63.3554% | 4,464 |
| Total domestic deposits to total assets | 88.0966% | 1,564 |
| Equity capital to assets | 10.3735% | 3,193 |
| Core capital (leverage) ratio | 10.0296% | 3,500 |
| Tier 1 risk-based capital ratio | 15.9000% | 2,519 |
| Total risk-based capital ratio | 17.1565% | 2,454 |
| Memoranda: | ||
| Average total assets | $260,225,500 | 2,443 |
| Average earning assets | $248,909,500 | 2,388 |
| Average equity | $27,918,500 | 2,499 |
| Average total loans | $138,983,000 | 2,824 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3236% | 92 |
| Cost of funding earning assets | 0.1803% | 5,090 |
| Net interest margin | 6.1433% | 63 |
| Noninterest income to average assets | 0.7828% | 1,639 |
| Noninterest expense to average assets | 3.4983% | 1,041 |
| Loan and lease loss provision to assets | 0.0813% | 2,573 |
| Net operating income to assets | 3.0501% | 68 |
| Return on assets (ROA) | 3.1750% | 63 |
| Pretax return on assets | 3.1750% | 89 |
| Return on Equity (ROE) | 28.6093% | 40 |
| Retained earnings to average equity (ytd only) | 10.7065% | 274 |
| Net charge-offs to loans | 0.0945% | 2,135 |
| Credit loss provision to net charge-offs | 165.2893% | 1,624 |
| Earnings coverage of net charge-offs (x) | 63.6446% | 916 |
| Efficiency ratio | 52.7662% | 5,058 |
| Assets per employee ($millions) | 4.6663% | 2,921 |
| Cash dividends to net income (ytd only)* | 62.5768% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 1,150 |
| Loan loss allowance to noncurrent loans | 136.7246% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,408 |
| Noncurrent loans to loans | 1.1684% | 1,518 |
| Net loans and leases to total assets | 52.8991% | 4,449 |
| Net loans and leases to deposits | 61.9823% | 4,452 |
| Net loans and leases to core deposits | 66.8059% | 4,374 |
| Total domestic deposits to total assets | 85.3455% | 2,707 |
| Equity capital to assets | 11.0935% | 2,544 |
| Core capital (leverage) ratio | 10.0146% | 3,440 |
| Tier 1 risk-based capital ratio | 16.0787% | 2,403 |
| Total risk-based capital ratio | 17.3301% | 2,342 |
| Memoranda: | ||
| Average total assets | $245,922,800 | 2,519 |
| Average earning assets | $234,060,400 | 2,466 |
| Average equity | $27,291,800 | 2,525 |
| Average total loans | $128,009,600 | 2,942 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3322% | 87 |
| Cost of funding earning assets | 0.1897% | 5,056 |
| Net interest margin | 6.1426% | 63 |
| Noninterest income to average assets | 0.7959% | 1,609 |
| Noninterest expense to average assets | 3.5103% | 979 |
| Loan and lease loss provision to assets | 0.3837% | 366 |
| Net operating income to assets | 2.7429% | 101 |
| Return on assets (ROA) | 2.9144% | 87 |
| Pretax return on assets | 2.9144% | 123 |
| Return on Equity (ROE) | 26.2591% | 55 |
| Retained earnings to average equity (ytd only) | 6.8204% | 1,788 |
| Net charge-offs to loans | 0.0595% | 2,269 |
| Credit loss provision to net charge-offs | 1,250.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 101.8636% | 681 |
| Efficiency ratio | 52.8907% | 5,029 |
| Assets per employee ($millions) | 4.5239% | 3,096 |
| Cash dividends to net income (ytd only)* | 74.0267% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1921% | 414 |
| Loan loss allowance to noncurrent loans | 139.9899% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0522% | 1,600 |
| Noncurrent loans to loans | 1.5659% | 1,186 |
| Net loans and leases to total assets | 49.6540% | 4,725 |
| Net loans and leases to deposits | 57.4058% | 4,796 |
| Net loans and leases to core deposits | 59.9206% | 4,822 |
| Total domestic deposits to total assets | 86.4963% | 2,105 |
| Equity capital to assets | 11.5701% | 2,300 |
| Core capital (leverage) ratio | 10.0054% | 3,555 |
| Tier 1 risk-based capital ratio | 16.7261% | 2,243 |
| Total risk-based capital ratio | 17.9845% | 2,195 |
| Memoranda: | ||
| Average total assets | $243,242,250 | 2,558 |
| Average earning assets | $231,298,250 | 2,502 |
| Average equity | $26,997,000 | 2,562 |
| Average total loans | $125,520,250 | 3,005 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4285% | 81 |
| Cost of funding earning assets | 0.1982% | 5,001 |
| Net interest margin | 6.2302% | 62 |
| Noninterest income to average assets | 0.8095% | 1,540 |
| Noninterest expense to average assets | 3.5363% | 958 |
| Loan and lease loss provision to assets | 0.4971% | 240 |
| Net operating income to assets | 2.6870% | 105 |
| Return on assets (ROA) | 2.9463% | 84 |
| Pretax return on assets | 2.9463% | 117 |
| Return on Equity (ROE) | 26.9394% | 56 |
| Retained earnings to average equity (ytd only) | 7.7121% | 1,280 |
| Net charge-offs to loans | 0.0766% | 1,858 |
| Credit loss provision to net charge-offs | 1,250.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 80.0625% | 769 |
| Efficiency ratio | 52.6199% | 5,128 |
| Assets per employee ($millions) | 4.4139% | 3,251 |
| Cash dividends to net income (ytd only)* | 71.3723% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 452 |
| Loan loss allowance to noncurrent loans | 520.8171% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 2,932 |
| Noncurrent loans to loans | 0.4170% | 3,526 |
| Net loans and leases to total assets | 50.5939% | 4,667 |
| Net loans and leases to deposits | 60.6975% | 4,578 |
| Net loans and leases to core deposits | 63.7035% | 4,623 |
| Total domestic deposits to total assets | 83.3541% | 3,447 |
| Equity capital to assets | 12.0301% | 1,903 |
| Core capital (leverage) ratio | 10.0447% | 3,484 |
| Tier 1 risk-based capital ratio | 16.9278% | 2,172 |
| Total risk-based capital ratio | 18.1859% | 2,131 |
| Memoranda: | ||
| Average total assets | $241,385,000 | 2,584 |
| Average earning assets | $229,012,670 | 2,539 |
| Average equity | $26,400,000 | 2,601 |
| Average total loans | $125,255,330 | 3,019 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3827% | 85 |
| Cost of funding earning assets | 0.2049% | 4,933 |
| Net interest margin | 6.1777% | 66 |
| Noninterest income to average assets | 0.8613% | 1,359 |
| Noninterest expense to average assets | 3.6459% | 831 |
| Loan and lease loss provision to assets | 0.4940% | 210 |
| Net operating income to assets | 2.5788% | 126 |
| Return on assets (ROA) | 3.0860% | 87 |
| Pretax return on assets | 3.0860% | 120 |
| Return on Equity (ROE) | 29.6719% | 49 |
| Retained earnings to average equity (ytd only) | 9.8009% | 859 |
| Net charge-offs to loans | 0.1489% | 1,069 |
| Credit loss provision to net charge-offs | 638.2979% | 490 |
| Earnings coverage of net charge-offs (x) | 39.7021% | 1,043 |
| Efficiency ratio | 54.2647% | 5,100 |
| Assets per employee ($millions) | 4.4112% | 3,308 |
| Cash dividends to net income (ytd only)* | 66.9691% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 890 |
| Loan loss allowance to noncurrent loans | 289.6468% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 2,683 |
| Noncurrent loans to loans | 0.6352% | 2,924 |
| Net loans and leases to total assets | 52.2941% | 4,487 |
| Net loans and leases to deposits | 62.8128% | 4,383 |
| Net loans and leases to core deposits | 66.2630% | 4,413 |
| Total domestic deposits to total assets | 83.2539% | 3,747 |
| Equity capital to assets | 10.7890% | 2,868 |
| Core capital (leverage) ratio | 9.6849% | 3,889 |
| Tier 1 risk-based capital ratio | 15.9116% | 2,588 |
| Total risk-based capital ratio | 17.1666% | 2,533 |
| Memoranda: | ||
| Average total assets | $242,901,000 | 2,590 |
| Average earning assets | $230,310,500 | 2,550 |
| Average equity | $25,263,000 | 2,694 |
| Average total loans | $126,248,500 | 3,023 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0733% | 115 |
| Cost of funding earning assets | 0.1578% | 5,367 |
| Net interest margin | 5.9156% | 72 |
| Noninterest income to average assets | 0.6892% | 2,220 |
| Noninterest expense to average assets | 3.2767% | 1,628 |
| Loan and lease loss provision to assets | 0.3672% | 452 |
| Net operating income to assets | 2.6401% | 118 |
| Return on assets (ROA) | 2.9675% | 82 |
| Pretax return on assets | 2.9675% | 114 |
| Return on Equity (ROE) | 29.9434% | 37 |
| Retained earnings to average equity (ytd only) | 18.5503% | 60 |
| Net charge-offs to loans | 0.4156% | 629 |
| Credit loss provision to net charge-offs | 193.0894% | 1,467 |
| Earnings coverage of net charge-offs (x) | 15.8130% | 2,172 |
| Efficiency ratio | 52.1437% | 5,374 |
| Assets per employee ($millions) | 4.5034% | 3,112 |
| Cash dividends to net income (ytd only)* | 38.0487% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 1,094 |
| Loan loss allowance to noncurrent loans | 151.8942% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 2,098 |
| Noncurrent loans to loans | 1.1351% | 1,808 |
| Net loans and leases to total assets | 49.8055% | 4,777 |
| Net loans and leases to deposits | 59.3988% | 4,716 |
| Net loans and leases to core deposits | 62.8321% | 4,702 |
| Total domestic deposits to total assets | 83.8493% | 3,486 |
| Equity capital to assets | 10.0130% | 3,709 |
| Core capital (leverage) ratio | 9.2182% | 4,456 |
| Tier 1 risk-based capital ratio | 15.6102% | 2,699 |
| Total risk-based capital ratio | 16.8629% | 2,632 |
| Memoranda: | ||
| Average total assets | $258,705,800 | 2,448 |
| Average earning assets | $244,676,000 | 2,401 |
| Average equity | $25,638,400 | 2,665 |
| Average total loans | $118,393,400 | 3,092 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0288% | 118 |
| Cost of funding earning assets | 0.1601% | 5,416 |
| Net interest margin | 5.8688% | 73 |
| Noninterest income to average assets | 0.6748% | 2,291 |
| Noninterest expense to average assets | 3.1415% | 1,925 |
| Loan and lease loss provision to assets | 0.4316% | 317 |
| Net operating income to assets | 2.6500% | 131 |
| Return on assets (ROA) | 3.0841% | 83 |
| Pretax return on assets | 3.0841% | 117 |
| Return on Equity (ROE) | 31.1953% | 32 |
| Retained earnings to average equity (ytd only) | 21.7761% | 43 |
| Net charge-offs to loans | 0.3505% | 648 |
| Credit loss provision to net charge-offs | 275.9740% | 1,111 |
| Earnings coverage of net charge-offs (x) | 19.7044% | 1,918 |
| Efficiency ratio | 50.4814% | 5,470 |
| Assets per employee ($millions) | 4.5362% | 3,026 |
| Cash dividends to net income (ytd only)* | 30.1943% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 863 |
| Loan loss allowance to noncurrent loans | 74.1027% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.2521% | 1,564 |
| Noncurrent loans to loans | 2.5567% | 672 |
| Net loans and leases to total assets | 46.6960% | 5,045 |
| Net loans and leases to deposits | 53.9318% | 5,115 |
| Net loans and leases to core deposits | 56.4098% | 5,127 |
| Total domestic deposits to total assets | 86.5834% | 2,094 |
| Equity capital to assets | 11.8511% | 2,217 |
| Core capital (leverage) ratio | 8.5689% | 5,295 |
| Tier 1 risk-based capital ratio | 15.8697% | 2,681 |
| Total risk-based capital ratio | 17.1240% | 2,615 |
| Memoranda: | ||
| Average total assets | $262,586,250 | 2,417 |
| Average earning assets | $248,245,750 | 2,388 |
| Average equity | $25,960,500 | 2,663 |
| Average total loans | $117,180,750 | 3,114 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 145 |
| Cost of funding earning assets | 0.1525% | 5,528 |
| Net interest margin | 5.7216% | 91 |
| Noninterest income to average assets | 0.6429% | 2,403 |
| Noninterest expense to average assets | 3.2444% | 1,703 |
| Loan and lease loss provision to assets | 0.4284% | 342 |
| Net operating income to assets | 2.3921% | 173 |
| Return on assets (ROA) | 2.5680% | 138 |
| Pretax return on assets | 2.5680% | 200 |
| Return on Equity (ROE) | 27.6453% | 61 |
| Retained earnings to average equity (ytd only) | 11.9419% | 335 |
| Net charge-offs to loans | 0.4601% | 486 |
| Credit loss provision to net charge-offs | 212.9630% | 1,248 |
| Earnings coverage of net charge-offs (x) | 14.0222% | 2,084 |
| Efficiency ratio | 53.4947% | 5,351 |
| Assets per employee ($millions) | 4.7857% | 2,582 |
| Cash dividends to net income (ytd only)* | 56.8030% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,518 |
| Loan loss allowance to noncurrent loans | 61.4139% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2381% | 1,655 |
| Noncurrent loans to loans | 2.6118% | 643 |
| Net loans and leases to total assets | 45.1393% | 5,169 |
| Net loans and leases to deposits | 54.3404% | 5,116 |
| Net loans and leases to core deposits | 56.7126% | 5,136 |
| Total domestic deposits to total assets | 83.0677% | 3,622 |
| Equity capital to assets | 10.0960% | 4,098 |
| Core capital (leverage) ratio | 7.2104% | 5,924 |
| Tier 1 risk-based capital ratio | 13.1063% | 4,134 |
| Total risk-based capital ratio | 14.3573% | 4,057 |
| Memoranda: | ||
| Average total assets | $268,462,670 | 2,398 |
| Average earning assets | $254,406,330 | 2,353 |
| Average equity | $24,937,330 | 2,749 |
| Average total loans | $117,376,330 | 3,120 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8798% | 142 |
| Cost of funding earning assets | 0.1505% | 5,608 |
| Net interest margin | 5.7293% | 88 |
| Noninterest income to average assets | 0.6327% | 2,352 |
| Noninterest expense to average assets | 3.3763% | 1,430 |
| Loan and lease loss provision to assets | 0.3722% | 391 |
| Net operating income to assets | 2.3253% | 197 |
| Return on assets (ROA) | 2.3893% | 192 |
| Pretax return on assets | 2.3893% | 286 |
| Return on Equity (ROE) | 26.8872% | 75 |
| Retained earnings to average equity (ytd only) | 0.2513% | 5,051 |
| Net charge-offs to loans | 0.7330% | 288 |
| Credit loss provision to net charge-offs | 119.0476% | 1,449 |
| Earnings coverage of net charge-offs (x) | 8.6286% | 2,038 |
| Efficiency ratio | 55.5882% | 5,229 |
| Assets per employee ($millions) | 4.9182% | 2,434 |
| Cash dividends to net income (ytd only)* | 99.0654% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 2,067 |
| Loan loss allowance to noncurrent loans | 78.4467% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 2,686 |
| Noncurrent loans to loans | 1.8871% | 1,170 |
| Net loans and leases to total assets | 41.9971% | 5,351 |
| Net loans and leases to deposits | 48.9000% | 5,388 |
| Net loans and leases to core deposits | 51.4595% | 5,385 |
| Total domestic deposits to total assets | 85.8837% | 2,719 |
| Equity capital to assets | 8.9822% | 5,184 |
| Core capital (leverage) ratio | 6.5440% | 6,029 |
| Tier 1 risk-based capital ratio | 12.7649% | 4,420 |
| Total risk-based capital ratio | 13.9880% | 4,346 |
| Memoranda: | ||
| Average total assets | $268,695,500 | 2,396 |
| Average earning assets | $255,177,500 | 2,346 |
| Average equity | $23,877,500 | 2,849 |
| Average total loans | $114,592,500 | 3,172 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1365% | 116 |
| Cost of funding earning assets | 0.1154% | 5,901 |
| Net interest margin | 6.0210% | 71 |
| Noninterest income to average assets | 0.6568% | 2,425 |
| Noninterest expense to average assets | 3.3474% | 1,615 |
| Loan and lease loss provision to assets | 0.0094% | 4,215 |
| Net operating income to assets | 2.9976% | 89 |
| Return on assets (ROA) | 3.0201% | 85 |
| Pretax return on assets | 3.0201% | 117 |
| Return on Equity (ROE) | 36.9725% | 34 |
| Retained earnings to average equity (ytd only) | 7.3835% | 1,132 |
| Net charge-offs to loans | 0.0543% | 3,124 |
| Credit loss provision to net charge-offs | 36.7647% | 3,571 |
| Earnings coverage of net charge-offs (x) | 117.8235% | 512 |
| Efficiency ratio | 52.6785% | 5,597 |
| Assets per employee ($millions) | 4.9424% | 2,433 |
| Cash dividends to net income (ytd only)* | 80.0298% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 2,161 |
| Loan loss allowance to noncurrent loans | 70.3672% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 2,450 |
| Noncurrent loans to loans | 2.0804% | 989 |
| Net loans and leases to total assets | 42.0429% | 5,404 |
| Net loans and leases to deposits | 47.9431% | 5,488 |
| Net loans and leases to core deposits | 50.5112% | 5,474 |
| Total domestic deposits to total assets | 87.6934% | 1,796 |
| Equity capital to assets | 8.7894% | 5,318 |
| Core capital (leverage) ratio | 6.5447% | 6,089 |
| Tier 1 risk-based capital ratio | 12.8076% | 4,448 |
| Total risk-based capital ratio | 14.0071% | 4,376 |
| Memoranda: | ||
| Average total assets | $266,445,600 | 2,373 |
| Average earning assets | $252,132,600 | 2,326 |
| Average equity | $21,764,800 | 3,000 |
| Average total loans | $125,332,000 | 2,963 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1927% | 110 |
| Cost of funding earning assets | 0.1149% | 6,000 |
| Net interest margin | 6.0778% | 69 |
| Noninterest income to average assets | 0.6593% | 2,431 |
| Noninterest expense to average assets | 3.3431% | 1,588 |
| Loan and lease loss provision to assets | 0.1126% | 2,003 |
| Net operating income to assets | 2.9506% | 90 |
| Return on assets (ROA) | 2.9806% | 90 |
| Pretax return on assets | 2.9806% | 124 |
| Return on Equity (ROE) | 37.1973% | 29 |
| Retained earnings to average equity (ytd only) | 6.8035% | 1,786 |
| Net charge-offs to loans | 0.0676% | 2,599 |
| Credit loss provision to net charge-offs | 346.1538% | 850 |
| Earnings coverage of net charge-offs (x) | 94.1433% | 656 |
| Efficiency ratio | 52.1841% | 5,642 |
| Assets per employee ($millions) | 5.0956% | 2,185 |
| Cash dividends to net income (ytd only)* | 81.7097% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,993 |
| Loan loss allowance to noncurrent loans | 70.7262% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 2,449 |
| Noncurrent loans to loans | 2.1805% | 1,018 |
| Net loans and leases to total assets | 43.3876% | 5,396 |
| Net loans and leases to deposits | 48.0089% | 5,569 |
| Net loans and leases to core deposits | 49.9830% | 5,576 |
| Total domestic deposits to total assets | 90.3741% | 437 |
| Equity capital to assets | 7.9058% | 5,990 |
| Core capital (leverage) ratio | 6.4983% | 6,170 |
| Tier 1 risk-based capital ratio | 12.5648% | 4,710 |
| Total risk-based capital ratio | 13.8160% | 4,608 |
| Memoranda: | ||
| Average total assets | $266,334,750 | 2,390 |
| Average earning assets | $251,839,750 | 2,345 |
| Average equity | $21,341,500 | 3,062 |
| Average total loans | $128,196,250 | 2,934 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 97 |
| Cost of funding earning assets | 0.1173% | 6,056 |
| Net interest margin | 6.1710% | 67 |
| Noninterest income to average assets | 0.6629% | 2,397 |
| Noninterest expense to average assets | 3.3965% | 1,479 |
| Loan and lease loss provision to assets | 0.1708% | 1,224 |
| Net operating income to assets | 2.9280% | 95 |
| Return on assets (ROA) | 2.9621% | 94 |
| Pretax return on assets | 2.9621% | 138 |
| Return on Equity (ROE) | 36.7949% | 32 |
| Retained earnings to average equity (ytd only) | 9.8189% | 698 |
| Net charge-offs to loans | -0.0046% | 4,716 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2913% | 5,691 |
| Assets per employee ($millions) | 4.9463% | 2,341 |
| Cash dividends to net income (ytd only)* | 73.3145% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 2,121 |
| Loan loss allowance to noncurrent loans | 217.5084% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 4,544 |
| Noncurrent loans to loans | 0.7073% | 3,368 |
| Net loans and leases to total assets | 46.4392% | 5,217 |
| Net loans and leases to deposits | 51.1282% | 5,441 |
| Net loans and leases to core deposits | 53.4499% | 5,455 |
| Total domestic deposits to total assets | 90.8290% | 346 |
| Equity capital to assets | 7.7607% | 6,059 |
| Core capital (leverage) ratio | 6.3039% | 6,259 |
| Tier 1 risk-based capital ratio | 11.9317% | 5,194 |
| Total risk-based capital ratio | 13.1827% | 5,096 |
| Memoranda: | ||
| Average total assets | $263,391,670 | 2,429 |
| Average earning assets | $248,938,330 | 2,375 |
| Average equity | $21,204,000 | 3,092 |
| Average total loans | $130,509,330 | 2,902 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3526% | 91 |
| Cost of funding earning assets | 0.1196% | 6,117 |
| Net interest margin | 6.2329% | 65 |
| Noninterest income to average assets | 0.6622% | 2,349 |
| Noninterest expense to average assets | 3.5238% | 1,263 |
| Loan and lease loss provision to assets | 0.3441% | 378 |
| Net operating income to assets | 2.6903% | 111 |
| Return on assets (ROA) | 2.7453% | 115 |
| Pretax return on assets | 2.7453% | 175 |
| Return on Equity (ROE) | 33.4865% | 43 |
| Retained earnings to average equity (ytd only) | 5.4101% | 2,828 |
| Net charge-offs to loans | 0.0151% | 2,863 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 396.8000% | 140 |
| Efficiency ratio | 53.7313% | 5,697 |
| Assets per employee ($millions) | 4.9164% | 2,468 |
| Cash dividends to net income (ytd only)* | 83.8440% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 2,665 |
| Loan loss allowance to noncurrent loans | 188.6608% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 4,486 |
| Noncurrent loans to loans | 0.7696% | 3,328 |
| Net loans and leases to total assets | 48.4436% | 4,989 |
| Net loans and leases to deposits | 53.5218% | 5,232 |
| Net loans and leases to core deposits | 56.2823% | 5,237 |
| Total domestic deposits to total assets | 90.5119% | 525 |
| Equity capital to assets | 8.1194% | 5,978 |
| Core capital (leverage) ratio | 6.3434% | 6,312 |
| Tier 1 risk-based capital ratio | 11.0654% | 5,775 |
| Total risk-based capital ratio | 12.3154% | 5,697 |
| Memoranda: | ||
| Average total assets | $261,536,500 | 2,458 |
| Average earning assets | $247,395,500 | 2,405 |
| Average equity | $21,441,500 | 3,083 |
| Average total loans | $132,775,000 | 2,867 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6832% | 82 |
| Cost of funding earning assets | 0.1476% | 6,114 |
| Net interest margin | 6.5355% | 62 |
| Noninterest income to average assets | 0.7367% | 2,136 |
| Noninterest expense to average assets | 3.5666% | 1,366 |
| Loan and lease loss provision to assets | -0.0961% | 6,140 |
| Net operating income to assets | 3.4018% | 74 |
| Return on assets (ROA) | 3.4153% | 75 |
| Pretax return on assets | 3.4153% | 86 |
| Return on Equity (ROE) | 42.8327% | 22 |
| Retained earnings to average equity (ytd only) | 8.6240% | 792 |
| Net charge-offs to loans | -0.1550% | 6,220 |
| Credit loss provision to net charge-offs | 119.2893% | 2,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8977% | 5,991 |
| Assets per employee ($millions) | 4.5120% | 3,017 |
| Cash dividends to net income (ytd only)* | 79.8659% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 3,487 |
| Loan loss allowance to noncurrent loans | 1,295.4545% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 5,775 |
| Noncurrent loans to loans | 0.0995% | 5,497 |
| Net loans and leases to total assets | 51.8134% | 4,802 |
| Net loans and leases to deposits | 58.8785% | 4,990 |
| Net loans and leases to core deposits | 61.5121% | 5,038 |
| Total domestic deposits to total assets | 88.0006% | 1,772 |
| Equity capital to assets | 8.2827% | 5,902 |
| Core capital (leverage) ratio | 6.1597% | 6,400 |
| Tier 1 risk-based capital ratio | 10.9988% | 5,909 |
| Total risk-based capital ratio | 12.1604% | 5,873 |
| Memoranda: | ||
| Average total assets | $244,604,400 | 2,578 |
| Average earning assets | $229,636,800 | 2,524 |
| Average equity | $19,503,800 | 3,215 |
| Average total loans | $127,062,200 | 2,927 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6429% | 83 |
| Cost of funding earning assets | 0.1483% | 6,195 |
| Net interest margin | 6.4945% | 64 |
| Noninterest income to average assets | 0.7398% | 2,140 |
| Noninterest expense to average assets | 3.5742% | 1,339 |
| Loan and lease loss provision to assets | -0.1292% | 6,327 |
| Net operating income to assets | 3.3829% | 76 |
| Return on assets (ROA) | 3.3812% | 76 |
| Pretax return on assets | 3.3812% | 91 |
| Return on Equity (ROE) | 42.8377% | 24 |
| Retained earnings to average equity (ytd only) | 10.3055% | 631 |
| Net charge-offs to loans | -0.1666% | 6,268 |
| Credit loss provision to net charge-offs | 149.6815% | 1,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3465% | 5,968 |
| Assets per employee ($millions) | 4.4669% | 3,027 |
| Cash dividends to net income (ytd only)* | 75.9428% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 3,812 |
| Loan loss allowance to noncurrent loans | 562.2896% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 5,670 |
| Noncurrent loans to loans | 0.2259% | 5,218 |
| Net loans and leases to total assets | 50.9878% | 4,895 |
| Net loans and leases to deposits | 56.6849% | 5,192 |
| Net loans and leases to core deposits | 59.2498% | 5,243 |
| Total domestic deposits to total assets | 89.9494% | 753 |
| Equity capital to assets | 8.2133% | 6,004 |
| Core capital (leverage) ratio | 6.3458% | 6,448 |
| Tier 1 risk-based capital ratio | 10.9085% | 6,036 |
| Total risk-based capital ratio | 12.0477% | 6,042 |
| Memoranda: | ||
| Average total assets | $242,587,500 | 2,608 |
| Average earning assets | $227,405,500 | 2,561 |
| Average equity | $19,147,750 | 3,278 |
| Average total loans | $125,670,750 | 2,964 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6113% | 86 |
| Cost of funding earning assets | 0.1481% | 6,271 |
| Net interest margin | 6.4633% | 64 |
| Noninterest income to average assets | 0.7411% | 2,086 |
| Noninterest expense to average assets | 3.6164% | 1,266 |
| Loan and lease loss provision to assets | -0.1551% | 6,431 |
| Net operating income to assets | 3.3171% | 77 |
| Return on assets (ROA) | 3.3146% | 78 |
| Pretax return on assets | 3.3146% | 95 |
| Return on Equity (ROE) | 42.6085% | 27 |
| Retained earnings to average equity (ytd only) | 17.6081% | 128 |
| Net charge-offs to loans | -0.1422% | 6,249 |
| Credit loss provision to net charge-offs | 210.2273% | 1,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3515% | 5,967 |
| Assets per employee ($millions) | 4.4246% | 3,046 |
| Cash dividends to net income (ytd only)* | 58.6748% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,134 |
| Loan loss allowance to noncurrent loans | 393.0952% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 5,610 |
| Noncurrent loans to loans | 0.3190% | 5,056 |
| Net loans and leases to total assets | 52.4726% | 4,696 |
| Net loans and leases to deposits | 62.0847% | 4,685 |
| Net loans and leases to core deposits | 64.7780% | 4,748 |
| Total domestic deposits to total assets | 84.5178% | 3,712 |
| Equity capital to assets | 8.2555% | 5,985 |
| Core capital (leverage) ratio | 6.6552% | 6,481 |
| Tier 1 risk-based capital ratio | 10.8979% | 6,093 |
| Total risk-based capital ratio | 12.0123% | 6,099 |
| Memoranda: | ||
| Average total assets | $238,579,330 | 2,650 |
| Average earning assets | $222,860,000 | 2,617 |
| Average equity | $18,559,670 | 3,352 |
| Average total loans | $123,730,670 | 2,996 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5614% | 87 |
| Cost of funding earning assets | 0.1444% | 6,384 |
| Net interest margin | 6.4170% | 69 |
| Noninterest income to average assets | 0.7351% | 2,013 |
| Noninterest expense to average assets | 3.6499% | 1,214 |
| Loan and lease loss provision to assets | -0.1710% | 6,546 |
| Net operating income to assets | 3.2584% | 88 |
| Return on assets (ROA) | 3.2532% | 90 |
| Pretax return on assets | 3.2532% | 121 |
| Return on Equity (ROE) | 43.2205% | 28 |
| Retained earnings to average equity (ytd only) | 8.0173% | 1,588 |
| Net charge-offs to loans | -0.2238% | 6,417 |
| Credit loss provision to net charge-offs | 149.2537% | 1,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1741% | 5,996 |
| Assets per employee ($millions) | 4.2586% | 3,424 |
| Cash dividends to net income (ytd only)* | 81.4503% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 3,662 |
| Loan loss allowance to noncurrent loans | 438.6189% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 5,719 |
| Noncurrent loans to loans | 0.3166% | 5,154 |
| Net loans and leases to total assets | 51.0745% | 4,789 |
| Net loans and leases to deposits | 56.0741% | 5,112 |
| Net loans and leases to core deposits | 58.4841% | 5,165 |
| Total domestic deposits to total assets | 91.0839% | 543 |
| Equity capital to assets | 7.7114% | 6,231 |
| Core capital (leverage) ratio | 6.4036% | 6,546 |
| Tier 1 risk-based capital ratio | 10.8166% | 6,234 |
| Total risk-based capital ratio | 12.0646% | 6,193 |
| Memoranda: | ||
| Average total assets | $233,981,500 | 2,703 |
| Average earning assets | $218,855,000 | 2,665 |
| Average equity | $17,612,000 | 3,465 |
| Average total loans | $119,763,500 | 3,076 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7489% | 76 |
| Cost of funding earning assets | 0.1578% | 6,507 |
| Net interest margin | 6.5911% | 57 |
| Noninterest income to average assets | 0.7811% | 2,159 |
| Noninterest expense to average assets | 3.7868% | 1,159 |
| Loan and lease loss provision to assets | -0.1340% | 6,526 |
| Net operating income to assets | 3.3027% | 87 |
| Return on assets (ROA) | 3.3027% | 86 |
| Pretax return on assets | 3.3027% | 94 |
| Return on Equity (ROE) | 40.5374% | 28 |
| Retained earnings to average equity (ytd only) | 0.8990% | 5,432 |
| Net charge-offs to loans | -0.1594% | 6,581 |
| Credit loss provision to net charge-offs | 157.8947% | 1,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4433% | 6,097 |
| Assets per employee ($millions) | 4.0979% | 3,656 |
| Cash dividends to net income (ytd only)* | 97.7823% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 3,145 |
| Loan loss allowance to noncurrent loans | 449.3573% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 5,765 |
| Noncurrent loans to loans | 0.3353% | 5,180 |
| Net loans and leases to total assets | 49.7908% | 5,104 |
| Net loans and leases to deposits | 54.4522% | 5,435 |
| Net loans and leases to core deposits | 57.1044% | 5,454 |
| Total domestic deposits to total assets | 91.4395% | 423 |
| Equity capital to assets | 7.3356% | 6,351 |
| Core capital (leverage) ratio | 6.3476% | 6,615 |
| Tier 1 risk-based capital ratio | 11.2416% | 6,054 |
| Total risk-based capital ratio | 12.4927% | 5,997 |
| Memoranda: | ||
| Average total assets | $223,909,600 | 2,773 |
| Average earning assets | $209,752,600 | 2,726 |
| Average equity | $18,242,400 | 3,380 |
| Average total loans | $119,221,400 | 3,054 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7833% | 74 |
| Cost of funding earning assets | 0.1592% | 6,602 |
| Net interest margin | 6.6241% | 56 |
| Noninterest income to average assets | 0.7957% | 2,172 |
| Noninterest expense to average assets | 3.7725% | 1,118 |
| Loan and lease loss provision to assets | -0.1198% | 6,649 |
| Net operating income to assets | 3.3519% | 88 |
| Return on assets (ROA) | 3.3567% | 89 |
| Pretax return on assets | 3.3567% | 103 |
| Return on Equity (ROE) | 40.1686% | 28 |
| Retained earnings to average equity (ytd only) | 1.1903% | 5,505 |
| Net charge-offs to loans | -0.1522% | 6,596 |
| Credit loss provision to net charge-offs | 145.9854% | 1,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8580% | 6,112 |
| Assets per employee ($millions) | 3.9415% | 3,959 |
| Cash dividends to net income (ytd only)* | 97.0367% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,223 |
| Loan loss allowance to noncurrent loans | 834.8837% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 6,013 |
| Noncurrent loans to loans | 0.1858% | 5,770 |
| Net loans and leases to total assets | 51.6106% | 4,928 |
| Net loans and leases to deposits | 56.8389% | 5,296 |
| Net loans and leases to core deposits | 59.8115% | 5,316 |
| Total domestic deposits to total assets | 90.8016% | 612 |
| Equity capital to assets | 7.5724% | 6,369 |
| Core capital (leverage) ratio | 6.4978% | 6,668 |
| Tier 1 risk-based capital ratio | 11.4214% | 6,094 |
| Total risk-based capital ratio | 12.6735% | 6,055 |
| Memoranda: | ||
| Average total assets | $222,516,000 | 2,808 |
| Average earning assets | $208,565,750 | 2,756 |
| Average equity | $18,594,500 | 3,364 |
| Average total loans | $120,024,250 | 3,060 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7411% | 74 |
| Cost of funding earning assets | 0.1592% | 6,674 |
| Net interest margin | 6.5819% | 56 |
| Noninterest income to average assets | 0.7431% | 2,448 |
| Noninterest expense to average assets | 3.6959% | 1,253 |
| Loan and lease loss provision to assets | -0.0448% | 6,639 |
| Net operating income to assets | 3.2808% | 94 |
| Return on assets (ROA) | 3.2808% | 98 |
| Pretax return on assets | 3.2808% | 120 |
| Return on Equity (ROE) | 38.0827% | 35 |
| Retained earnings to average equity (ytd only) | 1.7064% | 5,158 |
| Net charge-offs to loans | -0.1663% | 6,617 |
| Credit loss provision to net charge-offs | 49.5050% | 3,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3170% | 6,198 |
| Assets per employee ($millions) | 3.9393% | 3,934 |
| Cash dividends to net income (ytd only)* | 95.5191% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 3,118 |
| Loan loss allowance to noncurrent loans | 779.1837% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 5,934 |
| Noncurrent loans to loans | 0.2067% | 5,794 |
| Net loans and leases to total assets | 53.8321% | 4,612 |
| Net loans and leases to deposits | 62.3757% | 4,689 |
| Net loans and leases to core deposits | 65.6386% | 4,723 |
| Total domestic deposits to total assets | 86.3029% | 3,204 |
| Equity capital to assets | 8.4760% | 5,789 |
| Core capital (leverage) ratio | 6.5835% | 6,684 |
| Tier 1 risk-based capital ratio | 11.3979% | 6,159 |
| Total risk-based capital ratio | 12.6507% | 6,122 |
| Memoranda: | ||
| Average total assets | $223,113,330 | 2,811 |
| Average earning assets | $209,787,670 | 2,746 |
| Average equity | $19,221,330 | 3,301 |
| Average total loans | $121,461,670 | 3,041 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6665% | 81 |
| Cost of funding earning assets | 0.1695% | 6,732 |
| Net interest margin | 6.4970% | 57 |
| Noninterest income to average assets | 0.7440% | 2,360 |
| Noninterest expense to average assets | 3.6688% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.1704% | 93 |
| Return on assets (ROA) | 3.1704% | 98 |
| Pretax return on assets | 3.1704% | 136 |
| Return on Equity (ROE) | 36.5191% | 46 |
| Retained earnings to average equity (ytd only) | 3.3384% | 4,251 |
| Net charge-offs to loans | -0.0195% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6434% | 6,255 |
| Assets per employee ($millions) | 4.2584% | 3,414 |
| Cash dividends to net income (ytd only)* | 90.8584% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,831 |
| Loan loss allowance to noncurrent loans | 680.2920% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 5,813 |
| Noncurrent loans to loans | 0.2205% | 5,860 |
| Net loans and leases to total assets | 54.2338% | 4,368 |
| Net loans and leases to deposits | 60.3169% | 4,757 |
| Net loans and leases to core deposits | 64.3284% | 4,707 |
| Total domestic deposits to total assets | 89.9148% | 1,105 |
| Equity capital to assets | 8.8145% | 5,698 |
| Core capital (leverage) ratio | 6.4174% | 6,759 |
| Tier 1 risk-based capital ratio | 10.9979% | 6,405 |
| Total risk-based capital ratio | 12.2500% | 6,381 |
| Memoranda: | ||
| Average total assets | $226,340,500 | 2,812 |
| Average earning assets | $212,345,500 | 2,744 |
| Average equity | $19,650,000 | 3,293 |
| Average total loans | $122,922,000 | 3,027 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7541% | 96 |
| Cost of funding earning assets | 0.2008% | 6,834 |
| Net interest margin | 6.5533% | 62 |
| Noninterest income to average assets | 0.7948% | 2,283 |
| Noninterest expense to average assets | 3.6977% | 1,420 |
| Loan and lease loss provision to assets | 0.1383% | 3,882 |
| Net operating income to assets | 3.0913% | 93 |
| Return on assets (ROA) | 3.1194% | 94 |
| Pretax return on assets | 3.1194% | 129 |
| Return on Equity (ROE) | 37.5137% | 28 |
| Retained earnings to average equity (ytd only) | 3.9499% | 3,422 |
| Net charge-offs to loans | 0.2115% | 3,697 |
| Credit loss provision to net charge-offs | 123.0159% | 2,315 |
| Earnings coverage of net charge-offs (x) | 28.7183% | 1,036 |
| Efficiency ratio | 53.3789% | 6,337 |
| Assets per employee ($millions) | 4.2034% | 3,546 |
| Cash dividends to net income (ytd only)* | 89.4707% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,624 |
| Loan loss allowance to noncurrent loans | 524.8588% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 5,780 |
| Noncurrent loans to loans | 0.2912% | 5,754 |
| Net loans and leases to total assets | 52.7429% | 4,798 |
| Net loans and leases to deposits | 61.5074% | 4,847 |
| Net loans and leases to core deposits | 65.8761% | 4,750 |
| Total domestic deposits to total assets | 85.7505% | 3,486 |
| Equity capital to assets | 8.5495% | 6,010 |
| Core capital (leverage) ratio | 6.2992% | 6,824 |
| Tier 1 risk-based capital ratio | 11.1932% | 6,277 |
| Total risk-based capital ratio | 12.4454% | 6,237 |
| Memoranda: | ||
| Average total assets | $224,082,400 | 2,796 |
| Average earning assets | $209,695,000 | 2,738 |
| Average equity | $18,633,200 | 3,382 |
| Average total loans | $119,159,000 | 3,098 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6902% | 108 |
| Cost of funding earning assets | 0.2053% | 6,939 |
| Net interest margin | 6.4849% | 65 |
| Noninterest income to average assets | 0.7933% | 2,272 |
| Noninterest expense to average assets | 3.6031% | 1,553 |
| Loan and lease loss provision to assets | 0.1552% | 3,582 |
| Net operating income to assets | 3.1077% | 100 |
| Return on assets (ROA) | 3.1077% | 106 |
| Pretax return on assets | 3.1077% | 143 |
| Return on Equity (ROE) | 37.6419% | 33 |
| Retained earnings to average equity (ytd only) | 5.6108% | 2,955 |
| Net charge-offs to loans | 0.2643% | 3,135 |
| Credit loss provision to net charge-offs | 110.6383% | 2,653 |
| Earnings coverage of net charge-offs (x) | 23.2592% | 1,319 |
| Efficiency ratio | 52.4778% | 6,407 |
| Assets per employee ($millions) | 4.1597% | 3,551 |
| Cash dividends to net income (ytd only)* | 85.0941% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 4,071 |
| Loan loss allowance to noncurrent loans | 366.4659% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 5,896 |
| Noncurrent loans to loans | 0.4008% | 5,653 |
| Net loans and leases to total assets | 53.5125% | 4,820 |
| Net loans and leases to deposits | 64.7211% | 4,625 |
| Net loans and leases to core deposits | 69.6645% | 4,540 |
| Total domestic deposits to total assets | 82.6818% | 4,762 |
| Equity capital to assets | 8.6615% | 6,134 |
| Core capital (leverage) ratio | 6.3765% | 6,906 |
| Tier 1 risk-based capital ratio | 10.9150% | 6,514 |
| Total risk-based capital ratio | 12.1668% | 6,496 |
| Memoranda: | ||
| Average total assets | $223,357,000 | 2,820 |
| Average earning assets | $209,156,500 | 2,776 |
| Average equity | $18,440,000 | 3,441 |
| Average total loans | $118,554,750 | 3,151 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6231% | 129 |
| Cost of funding earning assets | 0.2090% | 7,015 |
| Net interest margin | 6.4142% | 71 |
| Noninterest income to average assets | 0.7980% | 2,190 |
| Noninterest expense to average assets | 3.5784% | 1,624 |
| Loan and lease loss provision to assets | 0.1354% | 3,832 |
| Net operating income to assets | 3.0964% | 97 |
| Return on assets (ROA) | 3.0964% | 99 |
| Pretax return on assets | 3.0964% | 144 |
| Return on Equity (ROE) | 38.1507% | 45 |
| Retained earnings to average equity (ytd only) | 6.6736% | 2,288 |
| Net charge-offs to loans | 0.3737% | 2,524 |
| Credit loss provision to net charge-offs | 68.8073% | 3,594 |
| Earnings coverage of net charge-offs (x) | 16.4220% | 1,594 |
| Efficiency ratio | 52.5451% | 6,456 |
| Assets per employee ($millions) | 3.9975% | 3,886 |
| Cash dividends to net income (ytd only)* | 82.5073% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 4,167 |
| Loan loss allowance to noncurrent loans | 337.6218% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 5,923 |
| Noncurrent loans to loans | 0.4345% | 5,664 |
| Net loans and leases to total assets | 51.9659% | 5,106 |
| Net loans and leases to deposits | 57.4800% | 5,507 |
| Net loans and leases to core deposits | 62.4192% | 5,351 |
| Total domestic deposits to total assets | 90.4070% | 714 |
| Equity capital to assets | 8.5017% | 6,207 |
| Core capital (leverage) ratio | 6.1629% | 6,966 |
| Tier 1 risk-based capital ratio | 11.2455% | 6,371 |
| Total risk-based capital ratio | 12.4974% | 6,351 |
| Memoranda: | ||
| Average total assets | $221,548,670 | 2,853 |
| Average earning assets | $207,665,670 | 2,794 |
| Average equity | $17,981,330 | 3,502 |
| Average total loans | $116,655,670 | 3,207 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5851% | 147 |
| Cost of funding earning assets | 0.1998% | 7,103 |
| Net interest margin | 6.3853% | 73 |
| Noninterest income to average assets | 0.7895% | 2,213 |
| Noninterest expense to average assets | 3.6390% | 1,482 |
| Loan and lease loss provision to assets | 0.0454% | 4,835 |
| Net operating income to assets | 3.0782% | 101 |
| Return on assets (ROA) | 3.0782% | 117 |
| Pretax return on assets | 3.0782% | 172 |
| Return on Equity (ROE) | 38.8634% | 54 |
| Retained earnings to average equity (ytd only) | 0.3666% | 5,875 |
| Net charge-offs to loans | 0.2484% | 2,684 |
| Credit loss provision to net charge-offs | 34.7222% | 3,544 |
| Earnings coverage of net charge-offs (x) | 23.9028% | 1,077 |
| Efficiency ratio | 53.8111% | 6,372 |
| Assets per employee ($millions) | 4.3990% | 3,194 |
| Cash dividends to net income (ytd only)* | 99.0566% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,203 |
| Loan loss allowance to noncurrent loans | 202.6590% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 5,649 |
| Noncurrent loans to loans | 0.7358% | 5,193 |
| Net loans and leases to total assets | 49.6725% | 5,354 |
| Net loans and leases to deposits | 54.3671% | 5,773 |
| Net loans and leases to core deposits | 58.6650% | 5,659 |
| Total domestic deposits to total assets | 91.3651% | 417 |
| Equity capital to assets | 7.4468% | 6,802 |
| Core capital (leverage) ratio | 6.3553% | 6,988 |
| Tier 1 risk-based capital ratio | 10.8354% | 6,605 |
| Total risk-based capital ratio | 12.0870% | 6,595 |
| Memoranda: | ||
| Average total assets | $220,392,000 | 2,889 |
| Average earning assets | $206,162,500 | 2,818 |
| Average equity | $17,456,000 | 3,579 |
| Average total loans | $115,951,500 | 3,231 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8967% | 108 |
| Cost of funding earning assets | 0.3231% | 7,067 |
| Net interest margin | 6.5736% | 66 |
| Noninterest income to average assets | 0.7676% | 2,248 |
| Noninterest expense to average assets | 3.8408% | 1,273 |
| Loan and lease loss provision to assets | 0.2075% | 4,111 |
| Net operating income to assets | 2.8656% | 96 |
| Return on assets (ROA) | 2.8682% | 98 |
| Pretax return on assets | 2.8682% | 140 |
| Return on Equity (ROE) | 33.8984% | 31 |
| Retained earnings to average equity (ytd only) | 0.5216% | 5,599 |
| Net charge-offs to loans | 0.3926% | 3,452 |
| Credit loss provision to net charge-offs | 91.4352% | 3,946 |
| Earnings coverage of net charge-offs (x) | 13.5394% | 1,533 |
| Efficiency ratio | 54.9814% | 6,424 |
| Assets per employee ($millions) | 3.9930% | 3,872 |
| Cash dividends to net income (ytd only)* | 98.4613% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,684 |
| Loan loss allowance to noncurrent loans | 200.8929% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 5,614 |
| Noncurrent loans to loans | 0.7836% | 5,117 |
| Net loans and leases to total assets | 54.2004% | 5,005 |
| Net loans and leases to deposits | 60.0784% | 5,473 |
| Net loans and leases to core deposits | 66.2195% | 5,228 |
| Total domestic deposits to total assets | 90.2161% | 872 |
| Equity capital to assets | 8.4523% | 6,203 |
| Core capital (leverage) ratio | 6.5818% | 6,963 |
| Tier 1 risk-based capital ratio | 11.0101% | 6,451 |
| Total risk-based capital ratio | 12.2623% | 6,434 |
| Memoranda: | ||
| Average total assets | $190,327,400 | 3,181 |
| Average earning assets | $177,954,000 | 3,115 |
| Average equity | $16,104,000 | 3,709 |
| Average total loans | $110,032,600 | 3,383 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8966% | 113 |
| Cost of funding earning assets | 0.3428% | 7,139 |
| Net interest margin | 6.5537% | 62 |
| Noninterest income to average assets | 0.7276% | 2,434 |
| Noninterest expense to average assets | 3.9519% | 1,068 |
| Loan and lease loss provision to assets | 0.2473% | 3,531 |
| Net operating income to assets | 2.6537% | 120 |
| Return on assets (ROA) | 2.6566% | 126 |
| Pretax return on assets | 2.6566% | 188 |
| Return on Equity (ROE) | 31.3877% | 45 |
| Retained earnings to average equity (ytd only) | -5.2849% | 6,610 |
| Net charge-offs to loans | 0.4772% | 2,827 |
| Credit loss provision to net charge-offs | 88.4615% | 3,821 |
| Earnings coverage of net charge-offs (x) | 10.3769% | 1,928 |
| Efficiency ratio | 56.8828% | 6,163 |
| Assets per employee ($millions) | 3.8569% | 4,179 |
| Cash dividends to net income (ytd only)* | 116.8376% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 3,504 |
| Loan loss allowance to noncurrent loans | 247.8562% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9264% | 4,901 |
| Noncurrent loans to loans | 0.6596% | 5,569 |
| Net loans and leases to total assets | 53.7602% | 5,201 |
| Net loans and leases to deposits | 59.5685% | 5,684 |
| Net loans and leases to core deposits | 65.4617% | 5,471 |
| Total domestic deposits to total assets | 90.2494% | 747 |
| Equity capital to assets | 8.1636% | 6,588 |
| Core capital (leverage) ratio | 6.5954% | 7,053 |
| Tier 1 risk-based capital ratio | 10.8320% | 6,643 |
| Total risk-based capital ratio | 12.0854% | 6,622 |
| Memoranda: | ||
| Average total assets | $186,000,000 | 3,261 |
| Average earning assets | $173,840,500 | 3,183 |
| Average equity | $15,742,500 | 3,782 |
| Average total loans | $108,955,750 | 3,439 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9211% | 118 |
| Cost of funding earning assets | 0.3638% | 7,204 |
| Net interest margin | 6.5573% | 69 |
| Noninterest income to average assets | 0.6580% | 2,777 |
| Noninterest expense to average assets | 4.0222% | 1,017 |
| Loan and lease loss provision to assets | 0.2429% | 3,476 |
| Net operating income to assets | 2.5217% | 161 |
| Return on assets (ROA) | 2.5250% | 166 |
| Pretax return on assets | 2.5250% | 235 |
| Return on Equity (ROE) | 29.4483% | 75 |
| Retained earnings to average equity (ytd only) | -7.7645% | 6,760 |
| Net charge-offs to loans | 0.5058% | 2,586 |
| Credit loss provision to net charge-offs | 80.0000% | 3,771 |
| Earnings coverage of net charge-offs (x) | 9.1055% | 1,964 |
| Efficiency ratio | 58.0446% | 6,154 |
| Assets per employee ($millions) | 3.5418% | 4,830 |
| Cash dividends to net income (ytd only)* | 126.3664% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 3,626 |
| Loan loss allowance to noncurrent loans | 148.2529% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 4,433 |
| Noncurrent loans to loans | 1.0918% | 4,844 |
| Net loans and leases to total assets | 57.6991% | 4,688 |
| Net loans and leases to deposits | 63.3779% | 5,351 |
| Net loans and leases to core deposits | 69.4903% | 5,124 |
| Total domestic deposits to total assets | 91.0397% | 485 |
| Equity capital to assets | 8.0584% | 6,631 |
| Core capital (leverage) ratio | 7.0361% | 6,986 |
| Tier 1 risk-based capital ratio | 11.0740% | 6,466 |
| Total risk-based capital ratio | 12.3276% | 6,451 |
| Memoranda: | ||
| Average total assets | $181,146,330 | 3,351 |
| Average earning assets | $169,308,670 | 3,286 |
| Average equity | $15,532,330 | 3,814 |
| Average total loans | $108,736,330 | 3,488 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7547% | 151 |
| Cost of funding earning assets | 0.3832% | 7,256 |
| Net interest margin | 6.3715% | 76 |
| Noninterest income to average assets | 0.9536% | 1,455 |
| Noninterest expense to average assets | 4.2595% | 754 |
| Loan and lease loss provision to assets | 0.2811% | 2,904 |
| Net operating income to assets | 2.3591% | 209 |
| Return on assets (ROA) | 2.3591% | 217 |
| Pretax return on assets | 2.3591% | 307 |
| Return on Equity (ROE) | 26.6667% | 124 |
| Retained earnings to average equity (ytd only) | -19.2183% | 7,140 |
| Net charge-offs to loans | 0.2739% | 2,972 |
| Credit loss provision to net charge-offs | 168.9189% | 1,708 |
| Earnings coverage of net charge-offs (x) | 15.8649% | 1,295 |
| Efficiency ratio | 59.2894% | 6,082 |
| Assets per employee ($millions) | 3.3734% | 5,312 |
| Cash dividends to net income (ytd only)* | 172.0686% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 3,325 |
| Loan loss allowance to noncurrent loans | 118.3699% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5096% | 3,988 |
| Noncurrent loans to loans | 1.4404% | 4,309 |
| Net loans and leases to total assets | 60.8798% | 4,099 |
| Net loans and leases to deposits | 67.1634% | 4,805 |
| Net loans and leases to core deposits | 73.2478% | 4,623 |
| Total domestic deposits to total assets | 90.6443% | 783 |
| Equity capital to assets | 8.0883% | 6,400 |
| Core capital (leverage) ratio | 7.5430% | 6,702 |
| Tier 1 risk-based capital ratio | 10.8061% | 6,635 |
| Total risk-based capital ratio | 12.0601% | 6,612 |
| Memoranda: | ||
| Average total assets | $177,861,000 | 3,416 |
| Average earning assets | $165,989,000 | 3,361 |
| Average equity | $15,735,000 | 3,765 |
| Average total loans | $108,058,000 | 3,541 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2136% | 111 |
| Cost of funding earning assets | 0.5099% | 7,287 |
| Net interest margin | 6.7037% | 61 |
| Noninterest income to average assets | 1.0490% | 1,360 |
| Noninterest expense to average assets | 4.5791% | 601 |
| Loan and lease loss provision to assets | 0.2699% | 4,648 |
| Net operating income to assets | 2.4905% | 115 |
| Return on assets (ROA) | 2.6658% | 102 |
| Pretax return on assets | 2.6658% | 159 |
| Return on Equity (ROE) | 32.5521% | 28 |
| Retained earnings to average equity (ytd only) | 5.3223% | 2,236 |
| Net charge-offs to loans | 0.2841% | 4,598 |
| Credit loss provision to net charge-offs | 158.8235% | 2,211 |
| Earnings coverage of net charge-offs (x) | 16.2431% | 1,219 |
| Efficiency ratio | 62.3899% | 5,663 |
| Assets per employee ($millions) | 3.4551% | 5,041 |
| Cash dividends to net income (ytd only)* | 83.6500% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 3,084 |
| Loan loss allowance to noncurrent loans | 109.8543% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 3,892 |
| Noncurrent loans to loans | 1.5807% | 4,130 |
| Net loans and leases to total assets | 56.3636% | 5,284 |
| Net loans and leases to deposits | 61.3975% | 5,912 |
| Net loans and leases to core deposits | 67.1247% | 5,761 |
| Total domestic deposits to total assets | 91.8011% | 324 |
| Equity capital to assets | 7.6112% | 6,806 |
| Core capital (leverage) ratio | 7.0160% | 7,019 |
| Tier 1 risk-based capital ratio | 11.2445% | 6,136 |
| Total risk-based capital ratio | 12.4991% | 6,119 |
| Memoranda: | ||
| Average total assets | $150,050,000 | 3,872 |
| Average earning assets | $140,803,000 | 3,801 |
| Average equity | $12,288,000 | 4,534 |
| Average total loans | $89,757,800 | 4,061 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2858% | 106 |
| Cost of funding earning assets | 0.5410% | 7,387 |
| Net interest margin | 6.7448% | 58 |
| Noninterest income to average assets | 1.0580% | 1,283 |
| Noninterest expense to average assets | 4.5935% | 539 |
| Loan and lease loss provision to assets | 0.3382% | 3,899 |
| Net operating income to assets | 2.4460% | 152 |
| Return on assets (ROA) | 2.7175% | 115 |
| Pretax return on assets | 2.7175% | 170 |
| Return on Equity (ROE) | 32.5658% | 36 |
| Retained earnings to average equity (ytd only) | 2.6697% | 4,554 |
| Net charge-offs to loans | 0.2595% | 4,392 |
| Credit loss provision to net charge-offs | 215.5172% | 1,618 |
| Earnings coverage of net charge-offs (x) | 17.7417% | 1,308 |
| Efficiency ratio | 62.2616% | 5,573 |
| Assets per employee ($millions) | 3.2893% | 5,496 |
| Cash dividends to net income (ytd only)* | 91.8023% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 2,885 |
| Loan loss allowance to noncurrent loans | 336.2140% | 884 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 5,053 |
| Noncurrent loans to loans | 0.5270% | 6,146 |
| Net loans and leases to total assets | 59.8653% | 4,939 |
| Net loans and leases to deposits | 67.1448% | 5,529 |
| Net loans and leases to core deposits | 74.4579% | 5,237 |
| Total domestic deposits to total assets | 89.1585% | 1,309 |
| Equity capital to assets | 8.7874% | 5,876 |
| Core capital (leverage) ratio | 7.0407% | 7,142 |
| Tier 1 risk-based capital ratio | 10.7442% | 6,596 |
| Total risk-based capital ratio | 11.9990% | 6,576 |
| Memoranda: | ||
| Average total assets | $147,828,500 | 3,966 |
| Average earning assets | $138,512,750 | 3,896 |
| Average equity | $12,335,750 | 4,589 |
| Average total loans | $89,406,000 | 4,135 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2230% | 118 |
| Cost of funding earning assets | 0.5560% | 7,476 |
| Net interest margin | 6.6671% | 62 |
| Noninterest income to average assets | 0.9354% | 1,562 |
| Noninterest expense to average assets | 4.6022% | 519 |
| Loan and lease loss provision to assets | 0.3068% | 3,934 |
| Net operating income to assets | 2.2732% | 201 |
| Return on assets (ROA) | 2.6822% | 116 |
| Pretax return on assets | 2.6822% | 176 |
| Return on Equity (ROE) | 32.7406% | 42 |
| Retained earnings to average equity (ytd only) | 1.3482% | 5,208 |
| Net charge-offs to loans | 0.1695% | 4,601 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 25.2267% | 1,043 |
| Efficiency ratio | 64.0782% | 5,324 |
| Assets per employee ($millions) | 3.2511% | 5,549 |
| Cash dividends to net income (ytd only)* | 95.8821% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 2,932 |
| Loan loss allowance to noncurrent loans | 266.0504% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 5,165 |
| Noncurrent loans to loans | 0.6546% | 5,945 |
| Net loans and leases to total assets | 61.0499% | 4,868 |
| Net loans and leases to deposits | 68.1022% | 5,548 |
| Net loans and leases to core deposits | 75.2984% | 5,283 |
| Total domestic deposits to total assets | 89.6446% | 1,100 |
| Equity capital to assets | 8.1128% | 6,641 |
| Core capital (leverage) ratio | 7.1288% | 7,111 |
| Tier 1 risk-based capital ratio | 10.8543% | 6,398 |
| Total risk-based capital ratio | 12.1087% | 6,378 |
| Memoranda: | ||
| Average total assets | $146,668,670 | 4,018 |
| Average earning assets | $137,421,670 | 3,945 |
| Average equity | $12,015,670 | 4,674 |
| Average total loans | $88,469,670 | 4,187 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1179% | 138 |
| Cost of funding earning assets | 0.5672% | 7,582 |
| Net interest margin | 6.5507% | 72 |
| Noninterest income to average assets | 0.6755% | 2,773 |
| Noninterest expense to average assets | 4.6305% | 500 |
| Loan and lease loss provision to assets | 0.4086% | 2,916 |
| Net operating income to assets | 1.7705% | 528 |
| Return on assets (ROA) | 2.5876% | 140 |
| Pretax return on assets | 2.5876% | 219 |
| Return on Equity (ROE) | 31.4335% | 78 |
| Retained earnings to average equity (ytd only) | 0.7941% | 5,501 |
| Net charge-offs to loans | 0.3209% | 3,127 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 11.4286% | 1,642 |
| Efficiency ratio | 68.0000% | 4,724 |
| Assets per employee ($millions) | 3.2065% | 5,753 |
| Cash dividends to net income (ytd only)* | 97.4737% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 2,975 |
| Loan loss allowance to noncurrent loans | 281.2268% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 5,211 |
| Noncurrent loans to loans | 0.6130% | 6,084 |
| Net loans and leases to total assets | 59.7714% | 5,155 |
| Net loans and leases to deposits | 66.2208% | 5,798 |
| Net loans and leases to core deposits | 74.2080% | 5,486 |
| Total domestic deposits to total assets | 90.2608% | 850 |
| Equity capital to assets | 8.4633% | 6,055 |
| Core capital (leverage) ratio | 7.1560% | 7,141 |
| Tier 1 risk-based capital ratio | 11.0618% | 6,104 |
| Total risk-based capital ratio | 12.3164% | 6,069 |
| Memoranda: | ||
| Average total assets | $146,853,000 | 4,072 |
| Average earning assets | $137,512,000 | 4,005 |
| Average equity | $12,089,000 | 4,697 |
| Average total loans | $87,255,000 | 4,281 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3903% | 153 |
| Cost of funding earning assets | 0.8290% | 7,511 |
| Net interest margin | 6.5613% | 65 |
| Noninterest income to average assets | 1.0276% | 1,477 |
| Noninterest expense to average assets | 4.1776% | 1,119 |
| Loan and lease loss provision to assets | 0.7251% | 2,941 |
| Net operating income to assets | 2.2559% | 129 |
| Return on assets (ROA) | 2.3615% | 117 |
| Pretax return on assets | 2.3615% | 197 |
| Return on Equity (ROE) | 34.8864% | 28 |
| Retained earnings to average equity (ytd only) | 12.4971% | 181 |
| Net charge-offs to loans | 1.0523% | 2,305 |
| Credit loss provision to net charge-offs | 114.4943% | 4,782 |
| Earnings coverage of net charge-offs (x) | 4.7070% | 2,844 |
| Efficiency ratio | 58.3579% | 6,713 |
| Assets per employee ($millions) | 3.3958% | 5,269 |
| Cash dividends to net income (ytd only)* | 64.1779% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 3,079 |
| Loan loss allowance to noncurrent loans | 105.9911% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5594% | 4,038 |
| Noncurrent loans to loans | 1.5585% | 4,316 |
| Net loans and leases to total assets | 57.1021% | 5,802 |
| Net loans and leases to deposits | 66.9970% | 5,946 |
| Net loans and leases to core deposits | 82.5693% | 5,866 |
| Total domestic deposits to total assets | 85.2309% | 3,443 |
| Equity capital to assets | 8.0087% | 6,572 |
| Core capital (leverage) ratio | 6.9379% | 7,289 |
| Tier 1 risk-based capital ratio | 10.8313% | 6,084 |
| Total risk-based capital ratio | 12.0846% | 6,054 |
| Memoranda: | ||
| Average total assets | $151,427,600 | 3,933 |
| Average earning assets | $141,497,000 | 3,866 |
| Average equity | $10,250,400 | 5,226 |
| Average total loans | $91,131,000 | 4,184 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3683% | 171 |
| Cost of funding earning assets | 0.8876% | 7,584 |
| Net interest margin | 6.4807% | 73 |
| Noninterest income to average assets | 1.0329% | 1,486 |
| Noninterest expense to average assets | 4.1360% | 1,094 |
| Loan and lease loss provision to assets | 0.7766% | 2,430 |
| Net operating income to assets | 2.1755% | 190 |
| Return on assets (ROA) | 2.3150% | 162 |
| Pretax return on assets | 2.3150% | 279 |
| Return on Equity (ROE) | 35.8117% | 34 |
| Retained earnings to average equity (ytd only) | 11.5797% | 399 |
| Net charge-offs to loans | 0.8067% | 2,350 |
| Credit loss provision to net charge-offs | 158.6022% | 3,001 |
| Earnings coverage of net charge-offs (x) | 6.0287% | 2,681 |
| Efficiency ratio | 58.3509% | 6,671 |
| Assets per employee ($millions) | 3.4427% | 5,069 |
| Cash dividends to net income (ytd only)* | 67.6648% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,213 |
| Loan loss allowance to noncurrent loans | 81.5803% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.1495% | 3,158 |
| Noncurrent loans to loans | 2.2339% | 3,340 |
| Net loans and leases to total assets | 57.6497% | 5,940 |
| Net loans and leases to deposits | 63.3311% | 6,553 |
| Net loans and leases to core deposits | 77.5039% | 6,526 |
| Total domestic deposits to total assets | 91.0290% | 410 |
| Equity capital to assets | 7.9946% | 6,851 |
| Core capital (leverage) ratio | 6.6091% | 7,627 |
| Tier 1 risk-based capital ratio | 10.3618% | 6,613 |
| Total risk-based capital ratio | 11.6174% | 6,544 |
| Memoranda: | ||
| Average total assets | $151,931,250 | 3,949 |
| Average earning assets | $141,956,250 | 3,888 |
| Average equity | $9,821,500 | 5,390 |
| Average total loans | $92,226,000 | 4,192 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3731% | 184 |
| Cost of funding earning assets | 0.9565% | 7,612 |
| Net interest margin | 6.4166% | 74 |
| Noninterest income to average assets | 1.0231% | 1,518 |
| Noninterest expense to average assets | 4.5028% | 775 |
| Loan and lease loss provision to assets | 0.6970% | 2,338 |
| Net operating income to assets | 1.8135% | 445 |
| Return on assets (ROA) | 1.9858% | 338 |
| Pretax return on assets | 1.9858% | 587 |
| Return on Equity (ROE) | 33.3382% | 48 |
| Retained earnings to average equity (ytd only) | 0.8831% | 4,826 |
| Net charge-offs to loans | 0.8573% | 1,974 |
| Credit loss provision to net charge-offs | 132.5000% | 3,526 |
| Earnings coverage of net charge-offs (x) | 4.7725% | 3,006 |
| Efficiency ratio | 64.2040% | 5,875 |
| Assets per employee ($millions) | 3.3832% | 5,107 |
| Cash dividends to net income (ytd only)* | 97.3510% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 2,909 |
| Loan loss allowance to noncurrent loans | 105.7949% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.8319% | 3,427 |
| Noncurrent loans to loans | 1.4750% | 4,280 |
| Net loans and leases to total assets | 60.3449% | 5,621 |
| Net loans and leases to deposits | 65.1348% | 6,467 |
| Net loans and leases to core deposits | 80.9556% | 6,326 |
| Total domestic deposits to total assets | 92.6462% | 127 |
| Equity capital to assets | 6.2427% | 7,885 |
| Core capital (leverage) ratio | 5.9385% | 7,937 |
| Tier 1 risk-based capital ratio | 9.2882% | 7,550 |
| Total risk-based capital ratio | 10.5408% | 7,535 |
| Memoranda: | ||
| Average total assets | $152,082,670 | 3,961 |
| Average earning assets | $141,975,330 | 3,903 |
| Average equity | $9,058,670 | 5,662 |
| Average total loans | $93,319,000 | 4,194 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3487% | 208 |
| Cost of funding earning assets | 0.9904% | 7,684 |
| Net interest margin | 6.3582% | 78 |
| Noninterest income to average assets | 1.0671% | 1,303 |
| Noninterest expense to average assets | 4.5363% | 685 |
| Loan and lease loss provision to assets | 0.6116% | 2,060 |
| Net operating income to assets | 1.8504% | 482 |
| Return on assets (ROA) | 2.0560% | 362 |
| Pretax return on assets | 2.0560% | 596 |
| Return on Equity (ROE) | 35.3408% | 54 |
| Retained earnings to average equity (ytd only) | -0.8947% | 5,864 |
| Net charge-offs to loans | 0.3519% | 2,678 |
| Credit loss provision to net charge-offs | 283.1325% | 1,703 |
| Earnings coverage of net charge-offs (x) | 11.3976% | 1,876 |
| Efficiency ratio | 64.8196% | 5,537 |
| Assets per employee ($millions) | 3.3569% | 5,184 |
| Cash dividends to net income (ytd only)* | 102.5316% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 2,807 |
| Loan loss allowance to noncurrent loans | 122.1284% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 3,553 |
| Noncurrent loans to loans | 1.2546% | 4,462 |
| Net loans and leases to total assets | 61.5146% | 5,414 |
| Net loans and leases to deposits | 68.3270% | 6,148 |
| Net loans and leases to core deposits | 84.7630% | 5,999 |
| Total domestic deposits to total assets | 90.0298% | 788 |
| Equity capital to assets | 5.8639% | 8,022 |
| Core capital (leverage) ratio | 5.6842% | 8,056 |
| Tier 1 risk-based capital ratio | 8.9613% | 7,813 |
| Total risk-based capital ratio | 10.2134% | 7,847 |
| Memoranda: | ||
| Average total assets | $153,693,500 | 3,946 |
| Average earning assets | $143,373,000 | 3,886 |
| Average equity | $8,941,500 | 5,720 |
| Average total loans | $94,351,500 | 4,198 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5244% | 393 |
| Cost of funding earning assets | 1.3907% | 7,747 |
| Net interest margin | 6.1337% | 97 |
| Noninterest income to average assets | 1.0447% | 1,444 |
| Noninterest expense to average assets | 4.0718% | 1,321 |
| Loan and lease loss provision to assets | 0.3563% | 3,547 |
| Net operating income to assets | 2.3347% | 176 |
| Return on assets (ROA) | 2.3549% | 169 |
| Pretax return on assets | 2.3549% | 269 |
| Return on Equity (ROE) | 40.3594% | 17 |
| Retained earnings to average equity (ytd only) | 4.2242% | 2,493 |
| Net charge-offs to loans | 0.1477% | 4,731 |
| Credit loss provision to net charge-offs | 406.7164% | 1,079 |
| Earnings coverage of net charge-offs (x) | 30.7164% | 1,152 |
| Efficiency ratio | 60.2088% | 6,297 |
| Assets per employee ($millions) | 3.2568% | 5,318 |
| Cash dividends to net income (ytd only)* | 89.5336% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 3,355 |
| Loan loss allowance to noncurrent loans | 112.3264% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 3,983 |
| Noncurrent loans to loans | 1.2212% | 4,073 |
| Net loans and leases to total assets | 59.5156% | 5,982 |
| Net loans and leases to deposits | 69.1827% | 6,352 |
| Net loans and leases to core deposits | 85.4525% | 6,174 |
| Total domestic deposits to total assets | 86.0267% | 2,388 |
| Equity capital to assets | 5.7732% | 8,098 |
| Core capital (leverage) ratio | 5.7475% | 8,135 |
| Tier 1 risk-based capital ratio | 8.7813% | 7,920 |
| Total risk-based capital ratio | 10.0313% | 7,985 |
| Memoranda: | ||
| Average total assets | $152,955,800 | 3,844 |
| Average earning assets | $142,589,400 | 3,795 |
| Average equity | $8,924,800 | 5,763 |
| Average total loans | $90,745,200 | 4,203 |