Home > Community Bank > Performance and Condition Ratios
Community 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 | 6.3419% | 411 |
| Cost of funding earning assets | 2.3964% | 464 |
| Net interest margin | 3.9455% | 1,284 |
| Noninterest income to average assets | 1.3600% | 440 |
| Noninterest expense to average assets | 3.5125% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1488% | 1,786 |
| Return on assets (ROA) | 1.1488% | 1,758 |
| Pretax return on assets | 1.5655% | 1,300 |
| Return on Equity (ROE) | 13.8600% | 1,511 |
| Retained earnings to average equity (ytd only) | 12.2866% | 607 |
| Net charge-offs to loans | 0.0782% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 23.2656% | 1,794 |
| Efficiency ratio | 69.1718% | 1,991 |
| Assets per employee ($millions) | 4.7721% | 3,791 |
| Cash dividends to net income (ytd only)* | 11.3484% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 2,918 |
| Loan loss allowance to noncurrent loans | 1,020.0730% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 2,907 |
| Noncurrent loans to loans | 0.1062% | 3,007 |
| Net loans and leases to total assets | 86.2600% | 147 |
| Net loans and leases to deposits | 96.4913% | 744 |
| Net loans and leases to core deposits | 119.1021% | 650 |
| Total domestic deposits to total assets | 89.3900% | 948 |
| Equity capital to assets | 8.5034% | 3,052 |
| Core capital (leverage) ratio | 8.5447% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4669% | 2,728 |
| Memoranda: | ||
| Average total assets | $285,349,200 | 2,496 |
| Average earning assets | $268,612,400 | 2,469 |
| Average equity | $23,651,800 | 2,587 |
| Average total loans | $245,400,000 | 2,028 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2274% | 403 |
| Cost of funding earning assets | 2.2905% | 415 |
| Net interest margin | 3.9369% | 1,328 |
| Noninterest income to average assets | 1.5100% | 384 |
| Noninterest expense to average assets | 3.2936% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4091% | 1,298 |
| Return on assets (ROA) | 1.4091% | 1,283 |
| Pretax return on assets | 1.9194% | 840 |
| Return on Equity (ROE) | 17.1200% | 1,057 |
| Retained earnings to average equity (ytd only) | 17.1167% | 384 |
| Net charge-offs to loans | 0.0974% | 801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 22.9944% | 1,747 |
| Efficiency ratio | 63.1807% | 2,596 |
| Assets per employee ($millions) | 4.4573% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,808 |
| Loan loss allowance to noncurrent loans | 5,978.7234% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,674 |
| Noncurrent loans to loans | 0.0186% | 3,637 |
| Net loans and leases to total assets | 86.3600% | 140 |
| Net loans and leases to deposits | 96.5848% | 714 |
| Net loans and leases to core deposits | 120.1317% | 545 |
| Total domestic deposits to total assets | 89.4100% | 1,113 |
| Equity capital to assets | 8.6140% | 2,658 |
| Core capital (leverage) ratio | 8.8002% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9818% | 2,615 |
| Memoranda: | ||
| Average total assets | $282,719,000 | 2,510 |
| Average earning assets | $265,615,250 | 2,484 |
| Average equity | $23,275,000 | 2,605 |
| Average total loans | $242,249,750 | 2,045 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0774% | 408 |
| Cost of funding earning assets | 2.1782% | 354 |
| Net interest margin | 3.8992% | 1,433 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 3.2013% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5906% | 3,598 |
| Return on assets (ROA) | 0.5906% | 3,608 |
| Pretax return on assets | 0.8075% | 3,384 |
| Return on Equity (ROE) | 7.2900% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.2906% | 2,197 |
| Net charge-offs to loans | 0.0260% | 1,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 36.5161% | 1,454 |
| Efficiency ratio | 79.8577% | 851 |
| Assets per employee ($millions) | 4.3900% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,393 |
| Loan loss allowance to noncurrent loans | 1,615.3005% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,127 |
| Noncurrent loans to loans | 0.0749% | 3,147 |
| Net loans and leases to total assets | 84.6000% | 237 |
| Net loans and leases to deposits | 93.4622% | 910 |
| Net loans and leases to core deposits | 116.7680% | 610 |
| Total domestic deposits to total assets | 90.5200% | 777 |
| Equity capital to assets | 8.0900% | 3,155 |
| Core capital (leverage) ratio | 8.0943% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2932% | 2,800 |
| Memoranda: | ||
| Average total assets | $280,383,667 | 2,527 |
| Average earning assets | $263,337,667 | 2,511 |
| Average equity | $22,714,333 | 2,647 |
| Average total loans | $238,662,000 | 2,062 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8227% | 404 |
| Cost of funding earning assets | 1.9455% | 332 |
| Net interest margin | 3.8772% | 1,520 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.1853% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5887% | 3,712 |
| Return on assets (ROA) | 0.5887% | 3,678 |
| Pretax return on assets | 0.8060% | 3,452 |
| Return on Equity (ROE) | 7.2600% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.2618% | 2,432 |
| Net charge-offs to loans | 0.0017% | 1,984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 560.0000% | 206 |
| Efficiency ratio | 79.8053% | 848 |
| Assets per employee ($millions) | 4.4203% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,344 |
| Loan loss allowance to noncurrent loans | 1,388.8372% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,041 |
| Noncurrent loans to loans | 0.0892% | 3,105 |
| Net loans and leases to total assets | 84.1800% | 227 |
| Net loans and leases to deposits | 92.9088% | 856 |
| Net loans and leases to core deposits | 114.8168% | 566 |
| Total domestic deposits to total assets | 90.6000% | 945 |
| Equity capital to assets | 8.0365% | 3,214 |
| Core capital (leverage) ratio | 8.1364% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3430% | 2,892 |
| Memoranda: | ||
| Average total assets | $277,899,500 | 2,569 |
| Average earning assets | $261,114,500 | 2,552 |
| Average equity | $22,529,000 | 2,683 |
| Average total loans | $235,809,000 | 2,091 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2138% | 219 |
| Cost of funding earning assets | 0.8444% | 335 |
| Net interest margin | 4.3694% | 367 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 3.2901% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0216% | 2,490 |
| Return on assets (ROA) | 1.0216% | 2,434 |
| Pretax return on assets | 1.3537% | 1,924 |
| Return on Equity (ROE) | 12.2800% | 2,046 |
| Retained earnings to average equity (ytd only) | 10.5949% | 983 |
| Net charge-offs to loans | 0.0234% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 68.7660% | 1,170 |
| Efficiency ratio | 70.8487% | 1,582 |
| Assets per employee ($millions) | 4.2642% | 4,161 |
| Cash dividends to net income (ytd only)* | 13.7351% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 1,916 |
| Loan loss allowance to noncurrent loans | 1,614.5946% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,116 |
| Noncurrent loans to loans | 0.0803% | 3,186 |
| Net loans and leases to total assets | 83.3700% | 303 |
| Net loans and leases to deposits | 91.1957% | 967 |
| Net loans and leases to core deposits | 110.7738% | 583 |
| Total domestic deposits to total assets | 91.4200% | 804 |
| Equity capital to assets | 8.1613% | 2,957 |
| Core capital (leverage) ratio | 8.5922% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5485% | 2,854 |
| Memoranda: | ||
| Average total assets | $238,747,400 | 2,789 |
| Average earning assets | $224,422,200 | 2,777 |
| Average equity | $19,858,600 | 2,964 |
| Average total loans | $201,011,400 | 2,225 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 192 |
| Cost of funding earning assets | 0.6443% | 344 |
| Net interest margin | 4.4326% | 264 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 3.3019% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1120% | 2,045 |
| Return on assets (ROA) | 1.1120% | 2,014 |
| Pretax return on assets | 1.4584% | 1,531 |
| Return on Equity (ROE) | 13.2900% | 1,620 |
| Retained earnings to average equity (ytd only) | 13.2949% | 566 |
| Net charge-offs to loans | 0.0317% | 1,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 54.7391% | 1,235 |
| Efficiency ratio | 69.3637% | 1,841 |
| Assets per employee ($millions) | 3.9439% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,617 |
| Loan loss allowance to noncurrent loans | 3,688.8889% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,432 |
| Noncurrent loans to loans | 0.0379% | 3,620 |
| Net loans and leases to total assets | 84.9200% | 190 |
| Net loans and leases to deposits | 92.8603% | 708 |
| Net loans and leases to core deposits | 109.5706% | 487 |
| Total domestic deposits to total assets | 91.4500% | 1,067 |
| Equity capital to assets | 8.0583% | 2,859 |
| Core capital (leverage) ratio | 8.3153% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2352% | 3,001 |
| Memoranda: | ||
| Average total assets | $230,207,000 | 2,858 |
| Average earning assets | $216,242,000 | 2,837 |
| Average equity | $19,255,000 | 3,058 |
| Average total loans | $193,638,750 | 2,277 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 178 |
| Cost of funding earning assets | 0.5762% | 330 |
| Net interest margin | 4.3930% | 229 |
| Noninterest income to average assets | 0.6853% | 1,408 |
| Noninterest expense to average assets | 3.3625% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1387% | 1,636 |
| Return on assets (ROA) | 1.1387% | 1,616 |
| Pretax return on assets | 1.4528% | 1,304 |
| Return on Equity (ROE) | 13.4321% | 1,260 |
| Retained earnings to average equity (ytd only) | 13.4321% | 418 |
| Net charge-offs to loans | 0.0203% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 85.6842% | 896 |
| Efficiency ratio | 69.8295% | 1,985 |
| Assets per employee ($millions) | 3.8148% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,347 |
| Loan loss allowance to noncurrent loans | 3,241.9355% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,582 |
| Noncurrent loans to loans | 0.0470% | 3,594 |
| Net loans and leases to total assets | 85.2215% | 120 |
| Net loans and leases to deposits | 93.5625% | 537 |
| Net loans and leases to core deposits | 104.1731% | 502 |
| Total domestic deposits to total assets | 91.0851% | 1,187 |
| Equity capital to assets | 8.5247% | 2,742 |
| Core capital (leverage) ratio | 8.4443% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7076% | 2,880 |
| Memoranda: | ||
| Average total assets | $224,121,333 | 2,917 |
| Average earning assets | $210,698,667 | 2,912 |
| Average equity | $18,999,333 | 3,151 |
| Average total loans | $186,859,667 | 2,332 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 193 |
| Cost of funding earning assets | 0.5778% | 300 |
| Net interest margin | 4.2455% | 265 |
| Noninterest income to average assets | 0.6079% | 1,662 |
| Noninterest expense to average assets | 3.3481% | 497 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9904% | 1,917 |
| Return on assets (ROA) | 0.9904% | 1,913 |
| Pretax return on assets | 1.2627% | 1,610 |
| Return on Equity (ROE) | 11.7164% | 1,400 |
| Retained earnings to average equity (ytd only) | 11.7164% | 646 |
| Net charge-offs to loans | 0.0221% | 1,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 794 |
| Efficiency ratio | 72.6135% | 1,897 |
| Assets per employee ($millions) | 3.7722% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 1,209 |
| Loan loss allowance to noncurrent loans | 1,747.9769% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,308 |
| Noncurrent loans to loans | 0.0928% | 3,377 |
| Net loans and leases to total assets | 81.0175% | 201 |
| Net loans and leases to deposits | 90.1784% | 504 |
| Net loans and leases to core deposits | 101.0170% | 481 |
| Total domestic deposits to total assets | 89.8413% | 1,663 |
| Equity capital to assets | 8.3683% | 3,269 |
| Core capital (leverage) ratio | 8.3652% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9222% | 2,909 |
| Memoranda: | ||
| Average total assets | $221,738,500 | 2,951 |
| Average earning assets | $209,067,500 | 2,936 |
| Average equity | $18,743,000 | 3,255 |
| Average total loans | $181,251,500 | 2,371 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7815% | 370 |
| Cost of funding earning assets | 0.6651% | 385 |
| Net interest margin | 4.1163% | 575 |
| Noninterest income to average assets | 1.5874% | 447 |
| Noninterest expense to average assets | 3.3340% | 594 |
| Loan and lease loss provision to assets | 0.5104% | 109 |
| Net operating income to assets | 1.2040% | 1,910 |
| Return on assets (ROA) | 1.2040% | 1,958 |
| Pretax return on assets | 1.6124% | 1,393 |
| Return on Equity (ROE) | 12.7980% | 1,526 |
| Retained earnings to average equity (ytd only) | 10.9805% | 704 |
| Net charge-offs to loans | 0.0265% | 1,709 |
| Credit loss provision to net charge-offs | 2,325.5814% | 280 |
| Earnings coverage of net charge-offs (x) | 96.7209% | 897 |
| Efficiency ratio | 61.0981% | 2,984 |
| Assets per employee ($millions) | 3.8776% | 4,461 |
| Cash dividends to net income (ytd only)* | 14.2009% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 1,001 |
| Loan loss allowance to noncurrent loans | 277.0776% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 1,324 |
| Noncurrent loans to loans | 0.6218% | 1,593 |
| Net loans and leases to total assets | 79.7055% | 280 |
| Net loans and leases to deposits | 88.7002% | 621 |
| Net loans and leases to core deposits | 100.3386% | 521 |
| Total domestic deposits to total assets | 89.8595% | 1,025 |
| Equity capital to assets | 8.6379% | 3,950 |
| Core capital (leverage) ratio | 8.8342% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7987% | 2,702 |
| Memoranda: | ||
| Average total assets | $195,923,000 | 3,089 |
| Average earning assets | $184,169,600 | 3,071 |
| Average equity | $18,432,600 | 3,354 |
| Average total loans | $162,172,400 | 2,526 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 426 |
| Cost of funding earning assets | 0.6805% | 428 |
| Net interest margin | 4.1008% | 654 |
| Noninterest income to average assets | 2.0333% | 341 |
| Noninterest expense to average assets | 3.2455% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9529% | 499 |
| Return on assets (ROA) | 1.9529% | 527 |
| Pretax return on assets | 2.6405% | 271 |
| Return on Equity (ROE) | 20.2848% | 409 |
| Retained earnings to average equity (ytd only) | 20.2848% | 123 |
| Net charge-offs to loans | 0.0344% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 92.0732% | 912 |
| Efficiency ratio | 55.1396% | 3,639 |
| Assets per employee ($millions) | 3.8148% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 3,027 |
| Loan loss allowance to noncurrent loans | 1,641.9355% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,715 |
| Noncurrent loans to loans | 0.0726% | 3,726 |
| Net loans and leases to total assets | 81.9387% | 194 |
| Net loans and leases to deposits | 92.5172% | 468 |
| Net loans and leases to core deposits | 104.9963% | 433 |
| Total domestic deposits to total assets | 88.5659% | 1,533 |
| Equity capital to assets | 9.4948% | 3,374 |
| Core capital (leverage) ratio | 9.6788% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6161% | 2,121 |
| Memoranda: | ||
| Average total assets | $190,616,750 | 3,164 |
| Average earning assets | $179,084,500 | 3,140 |
| Average equity | $18,351,500 | 3,399 |
| Average total loans | $158,687,250 | 2,592 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 505 |
| Cost of funding earning assets | 0.7089% | 447 |
| Net interest margin | 4.0326% | 776 |
| Noninterest income to average assets | 2.8271% | 207 |
| Noninterest expense to average assets | 3.2821% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4681% | 226 |
| Return on assets (ROA) | 2.4681% | 243 |
| Pretax return on assets | 3.3296% | 133 |
| Return on Equity (ROE) | 25.5056% | 174 |
| Retained earnings to average equity (ytd only) | 25.5056% | 66 |
| Net charge-offs to loans | 0.0336% | 1,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 118.7692% | 673 |
| Efficiency ratio | 49.6412% | 4,262 |
| Assets per employee ($millions) | 3.7020% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,823 |
| Loan loss allowance to noncurrent loans | 1,681.1475% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,800 |
| Noncurrent loans to loans | 0.0725% | 3,823 |
| Net loans and leases to total assets | 86.3098% | 75 |
| Net loans and leases to deposits | 98.1550% | 311 |
| Net loans and leases to core deposits | 111.2519% | 329 |
| Total domestic deposits to total assets | 87.9321% | 1,865 |
| Equity capital to assets | 9.9137% | 2,929 |
| Core capital (leverage) ratio | 9.7452% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0889% | 1,943 |
| Memoranda: | ||
| Average total assets | $185,489,667 | 3,207 |
| Average earning assets | $174,082,333 | 3,182 |
| Average equity | $17,949,000 | 3,430 |
| Average total loans | $154,640,333 | 2,642 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 566 |
| Cost of funding earning assets | 0.7298% | 491 |
| Net interest margin | 3.9750% | 880 |
| Noninterest income to average assets | 2.6706% | 242 |
| Noninterest expense to average assets | 3.1300% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4288% | 296 |
| Return on assets (ROA) | 2.4288% | 320 |
| Pretax return on assets | 3.2640% | 178 |
| Return on Equity (ROE) | 25.4293% | 246 |
| Retained earnings to average equity (ytd only) | 25.4293% | 135 |
| Net charge-offs to loans | 0.0189% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 212.1429% | 384 |
| Efficiency ratio | 48.9515% | 4,266 |
| Assets per employee ($millions) | 3.9357% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 2,147 |
| Loan loss allowance to noncurrent loans | 1,682.9268% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,911 |
| Noncurrent loans to loans | 0.0808% | 3,895 |
| Net loans and leases to total assets | 79.4620% | 366 |
| Net loans and leases to deposits | 91.0234% | 643 |
| Net loans and leases to core deposits | 104.9477% | 546 |
| Total domestic deposits to total assets | 87.2984% | 2,183 |
| Equity capital to assets | 9.4806% | 3,223 |
| Core capital (leverage) ratio | 9.7550% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8289% | 2,358 |
| Memoranda: | ||
| Average total assets | $181,983,500 | 3,237 |
| Average earning assets | $170,463,500 | 3,209 |
| Average equity | $17,381,500 | 3,476 |
| Average total loans | $147,861,000 | 2,716 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 297 |
| Cost of funding earning assets | 1.0621% | 470 |
| Net interest margin | 4.1936% | 642 |
| Noninterest income to average assets | 0.7775% | 1,600 |
| Noninterest expense to average assets | 3.1088% | 1,210 |
| Loan and lease loss provision to assets | 0.2936% | 1,288 |
| Net operating income to assets | 0.9669% | 2,410 |
| Return on assets (ROA) | 1.0100% | 2,399 |
| Pretax return on assets | 1.3295% | 1,884 |
| Return on Equity (ROE) | 10.3558% | 1,859 |
| Retained earnings to average equity (ytd only) | 8.3389% | 961 |
| Net charge-offs to loans | 0.0262% | 2,513 |
| Credit loss provision to net charge-offs | 1,351.3514% | 620 |
| Earnings coverage of net charge-offs (x) | 72.1892% | 956 |
| Efficiency ratio | 66.4658% | 2,455 |
| Assets per employee ($millions) | 3.9785% | 4,390 |
| Cash dividends to net income (ytd only)* | 19.4767% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,785 |
| Loan loss allowance to noncurrent loans | 34,616.6667% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,448 |
| Noncurrent loans to loans | 0.0042% | 4,388 |
| Net loans and leases to total assets | 80.8099% | 375 |
| Net loans and leases to deposits | 92.6410% | 741 |
| Net loans and leases to core deposits | 107.4083% | 590 |
| Total domestic deposits to total assets | 87.2291% | 1,829 |
| Equity capital to assets | 9.7027% | 3,401 |
| Core capital (leverage) ratio | 9.4185% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6563% | 2,383 |
| Memoranda: | ||
| Average total assets | $170,291,600 | 3,191 |
| Average earning assets | $158,360,200 | 3,180 |
| Average equity | $16,609,000 | 3,493 |
| Average total loans | $141,393,400 | 2,741 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3016% | 343 |
| Cost of funding earning assets | 1.1389% | 457 |
| Net interest margin | 4.1627% | 786 |
| Noninterest income to average assets | 0.9028% | 1,214 |
| Noninterest expense to average assets | 2.9607% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3605% | 1,200 |
| Return on assets (ROA) | 1.4184% | 1,150 |
| Pretax return on assets | 1.8829% | 657 |
| Return on Equity (ROE) | 14.5238% | 790 |
| Retained earnings to average equity (ytd only) | 14.5238% | 225 |
| Net charge-offs to loans | 0.0265% | 2,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 81.9643% | 907 |
| Efficiency ratio | 62.0661% | 3,068 |
| Assets per employee ($millions) | 4.2656% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,479 |
| Loan loss allowance to noncurrent loans | 1,455.0459% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,948 |
| Noncurrent loans to loans | 0.0720% | 4,086 |
| Net loans and leases to total assets | 83.6579% | 308 |
| Net loans and leases to deposits | 96.2361% | 742 |
| Net loans and leases to core deposits | 112.0926% | 627 |
| Total domestic deposits to total assets | 86.9299% | 1,696 |
| Equity capital to assets | 9.7339% | 3,487 |
| Core capital (leverage) ratio | 9.7420% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2732% | 2,504 |
| Memoranda: | ||
| Average total assets | $169,101,000 | 3,188 |
| Average earning assets | $157,106,500 | 3,181 |
| Average equity | $16,515,000 | 3,506 |
| Average total loans | $140,857,250 | 2,746 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3625% | 436 |
| Cost of funding earning assets | 1.2342% | 457 |
| Net interest margin | 4.1283% | 1,061 |
| Noninterest income to average assets | 1.1584% | 743 |
| Noninterest expense to average assets | 3.0190% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4884% | 944 |
| Return on assets (ROA) | 1.5771% | 868 |
| Pretax return on assets | 2.0899% | 453 |
| Return on Equity (ROE) | 16.1288% | 537 |
| Retained earnings to average equity (ytd only) | 16.1288% | 166 |
| Net charge-offs to loans | 0.0233% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 102.4375% | 693 |
| Efficiency ratio | 60.4202% | 3,358 |
| Assets per employee ($millions) | 4.1437% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,191 |
| Loan loss allowance to noncurrent loans | 2,458.4615% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,151 |
| Noncurrent loans to loans | 0.0438% | 4,307 |
| Net loans and leases to total assets | 84.2726% | 232 |
| Net loans and leases to deposits | 97.1729% | 715 |
| Net loans and leases to core deposits | 109.9827% | 742 |
| Total domestic deposits to total assets | 86.7244% | 1,725 |
| Equity capital to assets | 9.7694% | 3,407 |
| Core capital (leverage) ratio | 9.6661% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5441% | 1,979 |
| Memoranda: | ||
| Average total assets | $165,749,000 | 3,194 |
| Average earning assets | $154,106,000 | 3,185 |
| Average equity | $16,207,000 | 3,528 |
| Average total loans | $137,321,333 | 2,779 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 381 |
| Cost of funding earning assets | 1.3318% | 511 |
| Net interest margin | 4.1636% | 993 |
| Noninterest income to average assets | 0.4209% | 2,965 |
| Noninterest expense to average assets | 3.0728% | 1,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9175% | 2,459 |
| Return on assets (ROA) | 1.0994% | 1,944 |
| Pretax return on assets | 1.4411% | 1,460 |
| Return on Equity (ROE) | 11.2758% | 1,337 |
| Retained earnings to average equity (ytd only) | 11.2758% | 528 |
| Net charge-offs to loans | -0.0030% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7341% | 2,118 |
| Assets per employee ($millions) | 3.8225% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 2,647 |
| Loan loss allowance to noncurrent loans | 1,755.4348% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 4,129 |
| Noncurrent loans to loans | 0.0686% | 4,258 |
| Net loans and leases to total assets | 82.5138% | 394 |
| Net loans and leases to deposits | 95.4010% | 972 |
| Net loans and leases to core deposits | 109.6551% | 864 |
| Total domestic deposits to total assets | 86.4916% | 1,782 |
| Equity capital to assets | 9.9051% | 3,879 |
| Core capital (leverage) ratio | 9.7926% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8830% | 2,336 |
| Memoranda: | ||
| Average total assets | $161,547,500 | 3,199 |
| Average earning assets | $149,869,000 | 3,195 |
| Average equity | $15,750,500 | 3,580 |
| Average total loans | $131,851,500 | 2,812 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 630 |
| Cost of funding earning assets | 1.4147% | 531 |
| Net interest margin | 4.0137% | 1,812 |
| Noninterest income to average assets | 0.4326% | 3,091 |
| Noninterest expense to average assets | 2.9745% | 2,078 |
| Loan and lease loss provision to assets | 0.1321% | 1,617 |
| Net operating income to assets | 0.7882% | 3,590 |
| Return on assets (ROA) | 0.7941% | 3,653 |
| Pretax return on assets | 1.0702% | 3,259 |
| Return on Equity (ROE) | 8.3688% | 3,009 |
| Retained earnings to average equity (ytd only) | 6.1682% | 1,782 |
| Net charge-offs to loans | 0.1038% | 1,691 |
| Credit loss provision to net charge-offs | 164.3411% | 1,580 |
| Earnings coverage of net charge-offs (x) | 14.8605% | 2,263 |
| Efficiency ratio | 71.3410% | 1,970 |
| Assets per employee ($millions) | 3.8703% | 4,062 |
| Cash dividends to net income (ytd only)* | 26.2951% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,196 |
| Loan loss allowance to noncurrent loans | 764.9289% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 3,991 |
| Noncurrent loans to loans | 0.1628% | 3,881 |
| Net loans and leases to total assets | 78.7464% | 971 |
| Net loans and leases to deposits | 90.7102% | 1,514 |
| Net loans and leases to core deposits | 107.0581% | 1,041 |
| Total domestic deposits to total assets | 86.8109% | 1,704 |
| Equity capital to assets | 9.5964% | 4,275 |
| Core capital (leverage) ratio | 9.2802% | 4,296 |
| Tier 1 risk-based capital ratio | 12.5637% | 4,029 |
| Total risk-based capital ratio | 13.8144% | 3,916 |
| Memoranda: | ||
| Average total assets | $160,432,200 | 3,201 |
| Average earning assets | $149,361,600 | 3,181 |
| Average equity | $15,223,200 | 3,618 |
| Average total loans | $124,219,200 | 2,889 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 681 |
| Cost of funding earning assets | 1.3914% | 592 |
| Net interest margin | 4.0192% | 1,873 |
| Noninterest income to average assets | 0.4302% | 3,143 |
| Noninterest expense to average assets | 2.9676% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8893% | 3,383 |
| Return on assets (ROA) | 0.8972% | 3,429 |
| Pretax return on assets | 1.2132% | 2,942 |
| Return on Equity (ROE) | 9.4825% | 2,682 |
| Retained earnings to average equity (ytd only) | 9.4825% | 902 |
| Net charge-offs to loans | 0.0770% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 20.3248% | 1,965 |
| Efficiency ratio | 71.1515% | 1,947 |
| Assets per employee ($millions) | 3.9031% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 2,870 |
| Loan loss allowance to noncurrent loans | 663.6364% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 4,059 |
| Noncurrent loans to loans | 0.1703% | 3,929 |
| Net loans and leases to total assets | 77.8947% | 1,159 |
| Net loans and leases to deposits | 90.7168% | 1,599 |
| Net loans and leases to core deposits | 97.4161% | 1,859 |
| Total domestic deposits to total assets | 85.8658% | 2,051 |
| Equity capital to assets | 9.6249% | 4,358 |
| Core capital (leverage) ratio | 9.5981% | 4,065 |
| Tier 1 risk-based capital ratio | 12.7159% | 4,019 |
| Total risk-based capital ratio | 13.9225% | 3,916 |
| Memoranda: | ||
| Average total assets | $159,902,500 | 3,234 |
| Average earning assets | $148,815,250 | 3,217 |
| Average equity | $15,129,250 | 3,662 |
| Average total loans | $122,869,750 | 2,941 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 682 |
| Cost of funding earning assets | 1.3760% | 584 |
| Net interest margin | 4.0236% | 1,850 |
| Noninterest income to average assets | 0.4263% | 3,091 |
| Noninterest expense to average assets | 3.0197% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8537% | 3,459 |
| Return on assets (ROA) | 0.8527% | 3,519 |
| Pretax return on assets | 1.1453% | 3,095 |
| Return on Equity (ROE) | 9.0659% | 2,823 |
| Retained earnings to average equity (ytd only) | 9.0659% | 1,017 |
| Net charge-offs to loans | 0.0066% | 2,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 227.2500% | 354 |
| Efficiency ratio | 72.4796% | 1,848 |
| Assets per employee ($millions) | 3.7548% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,164 |
| Loan loss allowance to noncurrent loans | 305.4000% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 3,270 |
| Noncurrent loans to loans | 0.4143% | 3,051 |
| Net loans and leases to total assets | 75.5655% | 1,615 |
| Net loans and leases to deposits | 88.7163% | 1,904 |
| Net loans and leases to core deposits | 95.4444% | 2,123 |
| Total domestic deposits to total assets | 85.1766% | 2,404 |
| Equity capital to assets | 9.7506% | 4,191 |
| Core capital (leverage) ratio | 9.4676% | 4,178 |
| Tier 1 risk-based capital ratio | 13.0621% | 3,809 |
| Total risk-based capital ratio | 14.3129% | 3,709 |
| Memoranda: | ||
| Average total assets | $158,560,330 | 3,261 |
| Average earning assets | $147,380,000 | 3,249 |
| Average equity | $14,913,000 | 3,688 |
| Average total loans | $120,775,670 | 2,981 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4001% | 633 |
| Cost of funding earning assets | 1.3291% | 599 |
| Net interest margin | 4.0710% | 1,638 |
| Noninterest income to average assets | 0.4000% | 3,184 |
| Noninterest expense to average assets | 3.0769% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8453% | 3,468 |
| Return on assets (ROA) | 0.8453% | 3,508 |
| Pretax return on assets | 1.1145% | 3,103 |
| Return on Equity (ROE) | 9.1547% | 2,735 |
| Retained earnings to average equity (ytd only) | 9.1547% | 1,260 |
| Net charge-offs to loans | 0.0132% | 2,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 110.7500% | 623 |
| Efficiency ratio | 73.4094% | 1,826 |
| Assets per employee ($millions) | 3.8489% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,254 |
| Loan loss allowance to noncurrent loans | 816.5775% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 4,232 |
| Noncurrent loans to loans | 0.1549% | 4,045 |
| Net loans and leases to total assets | 73.7382% | 1,857 |
| Net loans and leases to deposits | 86.6991% | 2,041 |
| Net loans and leases to core deposits | 92.8349% | 2,226 |
| Total domestic deposits to total assets | 85.0507% | 2,663 |
| Equity capital to assets | 9.2179% | 4,514 |
| Core capital (leverage) ratio | 9.1919% | 4,480 |
| Tier 1 risk-based capital ratio | 12.5415% | 4,142 |
| Total risk-based capital ratio | 13.7917% | 4,018 |
| Memoranda: | ||
| Average total assets | $158,989,000 | 3,304 |
| Average earning assets | $148,072,000 | 3,290 |
| Average equity | $14,681,000 | 3,725 |
| Average total loans | $120,815,500 | 3,011 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 756 |
| Cost of funding earning assets | 0.9922% | 783 |
| Net interest margin | 4.1663% | 1,485 |
| Noninterest income to average assets | 0.4347% | 3,204 |
| Noninterest expense to average assets | 3.1560% | 1,656 |
| Loan and lease loss provision to assets | 0.0398% | 3,398 |
| Net operating income to assets | 0.8549% | 3,596 |
| Return on assets (ROA) | 0.8549% | 3,590 |
| Pretax return on assets | 1.0852% | 3,326 |
| Return on Equity (ROE) | 9.1518% | 2,918 |
| Retained earnings to average equity (ytd only) | 6.7714% | 1,770 |
| Net charge-offs to loans | 0.0539% | 2,376 |
| Credit loss provision to net charge-offs | 93.7500% | 2,667 |
| Earnings coverage of net charge-offs (x) | 26.4844% | 1,722 |
| Efficiency ratio | 73.7209% | 1,662 |
| Assets per employee ($millions) | 3.5513% | 4,495 |
| Cash dividends to net income (ytd only)* | 26.0093% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,216 |
| Loan loss allowance to noncurrent loans | 181.3981% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 2,434 |
| Noncurrent loans to loans | 0.6981% | 2,244 |
| Net loans and leases to total assets | 76.3943% | 1,539 |
| Net loans and leases to deposits | 91.3678% | 1,621 |
| Net loans and leases to core deposits | 96.9629% | 1,970 |
| Total domestic deposits to total assets | 83.6118% | 3,122 |
| Equity capital to assets | 9.2123% | 4,396 |
| Core capital (leverage) ratio | 9.2870% | 4,365 |
| Tier 1 risk-based capital ratio | 12.0426% | 4,401 |
| Total risk-based capital ratio | 13.2930% | 4,285 |
| Memoranda: | ||
| Average total assets | $150,667,000 | 3,375 |
| Average earning assets | $139,091,800 | 3,368 |
| Average equity | $14,073,800 | 3,738 |
| Average total loans | $118,672,400 | 3,008 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 696 |
| Cost of funding earning assets | 0.9493% | 752 |
| Net interest margin | 4.1978% | 1,364 |
| Noninterest income to average assets | 0.4296% | 3,289 |
| Noninterest expense to average assets | 3.0512% | 1,874 |
| Loan and lease loss provision to assets | 0.0536% | 2,902 |
| Net operating income to assets | 0.9352% | 3,369 |
| Return on assets (ROA) | 0.9352% | 3,373 |
| Pretax return on assets | 1.1916% | 3,020 |
| Return on Equity (ROE) | 9.9758% | 2,634 |
| Retained earnings to average equity (ytd only) | 9.9758% | 932 |
| Net charge-offs to loans | 0.0677% | 1,867 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 23.2328% | 1,847 |
| Efficiency ratio | 71.0187% | 2,038 |
| Assets per employee ($millions) | 3.2993% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,115 |
| Loan loss allowance to noncurrent loans | 838.7978% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 4,366 |
| Noncurrent loans to loans | 0.1544% | 4,183 |
| Net loans and leases to total assets | 77.0733% | 1,488 |
| Net loans and leases to deposits | 92.7304% | 1,529 |
| Net loans and leases to core deposits | 98.2776% | 1,917 |
| Total domestic deposits to total assets | 83.1155% | 3,260 |
| Equity capital to assets | 9.4870% | 4,089 |
| Core capital (leverage) ratio | 9.4093% | 4,266 |
| Tier 1 risk-based capital ratio | 12.3584% | 4,277 |
| Total risk-based capital ratio | 13.6091% | 4,171 |
| Memoranda: | ||
| Average total assets | $149,269,000 | 3,434 |
| Average earning assets | $137,497,750 | 3,431 |
| Average equity | $13,993,500 | 3,775 |
| Average total loans | $118,114,500 | 3,041 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1148% | 646 |
| Cost of funding earning assets | 0.9173% | 684 |
| Net interest margin | 4.1975% | 1,295 |
| Noninterest income to average assets | 0.4231% | 3,334 |
| Noninterest expense to average assets | 2.9642% | 2,153 |
| Loan and lease loss provision to assets | 0.0808% | 2,295 |
| Net operating income to assets | 0.9661% | 3,160 |
| Return on assets (ROA) | 0.9661% | 3,162 |
| Pretax return on assets | 1.2315% | 2,811 |
| Return on Equity (ROE) | 10.3473% | 2,403 |
| Retained earnings to average equity (ytd only) | 10.3473% | 827 |
| Net charge-offs to loans | 0.0356% | 2,140 |
| Credit loss provision to net charge-offs | 285.7143% | 1,039 |
| Earnings coverage of net charge-offs (x) | 46.3810% | 1,186 |
| Efficiency ratio | 69.3132% | 2,425 |
| Assets per employee ($millions) | 3.2504% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,978 |
| Loan loss allowance to noncurrent loans | 841.7112% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 4,375 |
| Noncurrent loans to loans | 0.1595% | 4,188 |
| Net loans and leases to total assets | 77.3471% | 1,412 |
| Net loans and leases to deposits | 92.8578% | 1,494 |
| Net loans and leases to core deposits | 99.3335% | 1,787 |
| Total domestic deposits to total assets | 83.2962% | 3,328 |
| Equity capital to assets | 9.4799% | 4,126 |
| Core capital (leverage) ratio | 9.3713% | 4,282 |
| Tier 1 risk-based capital ratio | 12.4420% | 4,225 |
| Total risk-based capital ratio | 13.6953% | 4,111 |
| Memoranda: | ||
| Average total assets | $148,436,670 | 3,459 |
| Average earning assets | $136,271,330 | 3,470 |
| Average equity | $13,858,670 | 3,814 |
| Average total loans | $117,984,000 | 3,061 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 567 |
| Cost of funding earning assets | 0.8666% | 705 |
| Net interest margin | 4.2501% | 1,048 |
| Noninterest income to average assets | 0.4166% | 3,338 |
| Noninterest expense to average assets | 2.9892% | 2,091 |
| Loan and lease loss provision to assets | 0.1217% | 1,551 |
| Net operating income to assets | 0.9387% | 3,113 |
| Return on assets (ROA) | 0.9387% | 3,131 |
| Pretax return on assets | 1.1930% | 2,781 |
| Return on Equity (ROE) | 10.1529% | 2,358 |
| Retained earnings to average equity (ytd only) | 10.1529% | 1,119 |
| Net charge-offs to loans | 0.0068% | 2,493 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 279 |
| Efficiency ratio | 69.4532% | 2,588 |
| Assets per employee ($millions) | 3.4904% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 2,139 |
| Loan loss allowance to noncurrent loans | 862.2951% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 4,484 |
| Noncurrent loans to loans | 0.1533% | 4,292 |
| Net loans and leases to total assets | 78.4890% | 1,161 |
| Net loans and leases to deposits | 93.3758% | 1,292 |
| Net loans and leases to core deposits | 102.0028% | 1,529 |
| Total domestic deposits to total assets | 84.0571% | 3,303 |
| Equity capital to assets | 9.2034% | 4,360 |
| Core capital (leverage) ratio | 9.2393% | 4,390 |
| Tier 1 risk-based capital ratio | 11.9137% | 4,596 |
| Total risk-based capital ratio | 13.1657% | 4,494 |
| Memoranda: | ||
| Average total assets | $147,868,000 | 3,495 |
| Average earning assets | $135,245,000 | 3,519 |
| Average equity | $13,671,000 | 3,882 |
| Average total loans | $118,365,500 | 3,087 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 538 |
| Cost of funding earning assets | 0.7117% | 965 |
| Net interest margin | 4.3849% | 798 |
| Noninterest income to average assets | 0.4347% | 3,407 |
| Noninterest expense to average assets | 3.0012% | 2,165 |
| Loan and lease loss provision to assets | 0.1753% | 1,242 |
| Net operating income to assets | 0.9113% | 2,653 |
| Return on assets (ROA) | 0.9158% | 2,647 |
| Pretax return on assets | 1.2951% | 2,371 |
| Return on Equity (ROE) | 9.8417% | 1,955 |
| Retained earnings to average equity (ytd only) | 7.3248% | 973 |
| Net charge-offs to loans | 0.0356% | 3,084 |
| Credit loss provision to net charge-offs | 609.7561% | 530 |
| Earnings coverage of net charge-offs (x) | 50.9268% | 1,069 |
| Efficiency ratio | 67.2111% | 3,048 |
| Assets per employee ($millions) | 3.8329% | 4,234 |
| Cash dividends to net income (ytd only)* | 25.5743% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 2,176 |
| Loan loss allowance to noncurrent loans | 862.3596% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,516 |
| Noncurrent loans to loans | 0.1517% | 4,319 |
| Net loans and leases to total assets | 79.5173% | 1,031 |
| Net loans and leases to deposits | 95.3744% | 1,139 |
| Net loans and leases to core deposits | 104.2711% | 1,397 |
| Total domestic deposits to total assets | 83.3738% | 3,434 |
| Equity capital to assets | 9.2887% | 4,441 |
| Core capital (leverage) ratio | 9.0120% | 4,637 |
| Tier 1 risk-based capital ratio | 11.8728% | 4,616 |
| Total risk-based capital ratio | 13.1245% | 4,497 |
| Memoranda: | ||
| Average total assets | $142,611,200 | 3,574 |
| Average earning assets | $131,085,800 | 3,575 |
| Average equity | $13,270,000 | 3,950 |
| Average total loans | $115,249,600 | 3,117 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 611 |
| Cost of funding earning assets | 0.6716% | 1,114 |
| Net interest margin | 4.3309% | 852 |
| Noninterest income to average assets | 0.4380% | 3,418 |
| Noninterest expense to average assets | 2.8931% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0723% | 2,219 |
| Return on assets (ROA) | 1.0781% | 2,240 |
| Pretax return on assets | 1.5537% | 1,567 |
| Return on Equity (ROE) | 11.5810% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.5810% | 333 |
| Net charge-offs to loans | 0.0349% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 54.7988% | 1,050 |
| Efficiency ratio | 65.1842% | 3,346 |
| Assets per employee ($millions) | 3.8254% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,606 |
| Loan loss allowance to noncurrent loans | 1,167.5676% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,863 |
| Noncurrent loans to loans | 0.0924% | 4,698 |
| Net loans and leases to total assets | 81.7143% | 739 |
| Net loans and leases to deposits | 98.8491% | 837 |
| Net loans and leases to core deposits | 107.4949% | 1,170 |
| Total domestic deposits to total assets | 82.6657% | 3,561 |
| Equity capital to assets | 9.4768% | 4,468 |
| Core capital (leverage) ratio | 9.2710% | 4,441 |
| Tier 1 risk-based capital ratio | 11.8120% | 4,762 |
| Total risk-based capital ratio | 12.9513% | 4,711 |
| Memoranda: | ||
| Average total assets | $141,851,500 | 3,622 |
| Average earning assets | $131,025,500 | 3,613 |
| Average equity | $13,205,250 | 3,998 |
| Average total loans | $114,724,000 | 3,153 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 639 |
| Cost of funding earning assets | 0.6471% | 1,157 |
| Net interest margin | 4.2909% | 884 |
| Noninterest income to average assets | 0.4322% | 3,474 |
| Noninterest expense to average assets | 2.8803% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0544% | 2,189 |
| Return on assets (ROA) | 1.0634% | 2,195 |
| Pretax return on assets | 1.5240% | 1,559 |
| Return on Equity (ROE) | 11.4944% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.4944% | 372 |
| Net charge-offs to loans | 0.0336% | 2,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 55.9474% | 993 |
| Efficiency ratio | 65.5876% | 3,416 |
| Assets per employee ($millions) | 3.8280% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,482 |
| Loan loss allowance to noncurrent loans | 575.7709% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 4,557 |
| Noncurrent loans to loans | 0.1940% | 4,343 |
| Net loans and leases to total assets | 79.5593% | 1,013 |
| Net loans and leases to deposits | 95.8641% | 1,094 |
| Net loans and leases to core deposits | 104.3129% | 1,334 |
| Total domestic deposits to total assets | 82.9918% | 3,571 |
| Equity capital to assets | 9.2201% | 4,706 |
| Core capital (leverage) ratio | 9.2489% | 4,437 |
| Tier 1 risk-based capital ratio | 11.5675% | 4,913 |
| Total risk-based capital ratio | 12.7273% | 4,868 |
| Memoranda: | ||
| Average total assets | $140,680,330 | 3,653 |
| Average earning assets | $129,809,000 | 3,644 |
| Average equity | $13,015,000 | 4,037 |
| Average total loans | $112,938,670 | 3,182 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9162% | 605 |
| Cost of funding earning assets | 0.6538% | 1,059 |
| Net interest margin | 4.2624% | 863 |
| Noninterest income to average assets | 0.4050% | 3,624 |
| Noninterest expense to average assets | 2.8954% | 2,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0086% | 2,268 |
| Return on assets (ROA) | 1.0268% | 2,235 |
| Pretax return on assets | 1.4578% | 1,670 |
| Return on Equity (ROE) | 11.0795% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.0795% | 592 |
| Net charge-offs to loans | 0.0253% | 2,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 70.7143% | 717 |
| Efficiency ratio | 66.9118% | 3,353 |
| Assets per employee ($millions) | 3.7062% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,228 |
| Loan loss allowance to noncurrent loans | 1,403.1915% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 5,007 |
| Noncurrent loans to loans | 0.0844% | 4,861 |
| Net loans and leases to total assets | 78.1469% | 1,112 |
| Net loans and leases to deposits | 91.2542% | 1,403 |
| Net loans and leases to core deposits | 99.0666% | 1,577 |
| Total domestic deposits to total assets | 85.6365% | 2,820 |
| Equity capital to assets | 9.2320% | 4,584 |
| Core capital (leverage) ratio | 9.1823% | 4,503 |
| Tier 1 risk-based capital ratio | 11.6741% | 4,930 |
| Total risk-based capital ratio | 12.8919% | 4,845 |
| Memoranda: | ||
| Average total assets | $138,288,000 | 3,722 |
| Average earning assets | $127,253,500 | 3,716 |
| Average equity | $12,816,500 | 4,085 |
| Average total loans | $110,889,000 | 3,234 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 503 |
| Cost of funding earning assets | 0.6725% | 940 |
| Net interest margin | 4.4238% | 736 |
| Noninterest income to average assets | 0.4441% | 3,583 |
| Noninterest expense to average assets | 2.9082% | 2,648 |
| Loan and lease loss provision to assets | 0.1139% | 2,166 |
| Net operating income to assets | 1.0461% | 2,158 |
| Return on assets (ROA) | 1.0461% | 2,262 |
| Pretax return on assets | 1.4818% | 1,650 |
| Return on Equity (ROE) | 11.0516% | 1,563 |
| Retained earnings to average equity (ytd only) | 8.3729% | 747 |
| Net charge-offs to loans | 0.0861% | 2,468 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 23.3556% | 1,689 |
| Efficiency ratio | 64.5710% | 3,841 |
| Assets per employee ($millions) | 3.8783% | 4,177 |
| Cash dividends to net income (ytd only)* | 24.2380% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 3,120 |
| Loan loss allowance to noncurrent loans | 628.4360% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 4,699 |
| Noncurrent loans to loans | 0.1911% | 4,479 |
| Net loans and leases to total assets | 80.3551% | 841 |
| Net loans and leases to deposits | 94.2283% | 1,176 |
| Net loans and leases to core deposits | 100.3478% | 1,590 |
| Total domestic deposits to total assets | 85.2770% | 2,935 |
| Equity capital to assets | 9.3156% | 4,456 |
| Core capital (leverage) ratio | 9.1396% | 4,567 |
| Tier 1 risk-based capital ratio | 11.8255% | 4,839 |
| Total risk-based capital ratio | 13.0771% | 4,741 |
| Memoranda: | ||
| Average total assets | $131,728,800 | 3,799 |
| Average earning assets | $120,892,200 | 3,814 |
| Average equity | $12,468,800 | 4,175 |
| Average total loans | $104,498,000 | 3,306 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 495 |
| Cost of funding earning assets | 0.6809% | 898 |
| Net interest margin | 4.4228% | 745 |
| Noninterest income to average assets | 0.4661% | 3,453 |
| Noninterest expense to average assets | 2.8129% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1882% | 1,679 |
| Return on assets (ROA) | 1.1882% | 1,778 |
| Pretax return on assets | 1.7073% | 1,096 |
| Return on Equity (ROE) | 12.5016% | 1,173 |
| Retained earnings to average equity (ytd only) | 12.5016% | 252 |
| Net charge-offs to loans | 0.1035% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.9257% | 1,841 |
| Efficiency ratio | 62.2292% | 4,186 |
| Assets per employee ($millions) | 3.8165% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,800 |
| Loan loss allowance to noncurrent loans | 1,174.2574% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 4,605 |
| Noncurrent loans to loans | 0.0942% | 4,969 |
| Net loans and leases to total assets | 79.4069% | 986 |
| Net loans and leases to deposits | 92.8550% | 1,389 |
| Net loans and leases to core deposits | 98.9487% | 1,730 |
| Total domestic deposits to total assets | 85.5172% | 2,598 |
| Equity capital to assets | 9.7096% | 4,456 |
| Core capital (leverage) ratio | 9.2556% | 4,523 |
| Tier 1 risk-based capital ratio | 11.9474% | 4,820 |
| Total risk-based capital ratio | 13.0982% | 4,782 |
| Memoranda: | ||
| Average total assets | $130,726,000 | 3,838 |
| Average earning assets | $119,830,000 | 3,852 |
| Average equity | $12,424,750 | 4,220 |
| Average total loans | $103,022,500 | 3,344 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 547 |
| Cost of funding earning assets | 0.6681% | 946 |
| Net interest margin | 4.3704% | 813 |
| Noninterest income to average assets | 0.4623% | 3,445 |
| Noninterest expense to average assets | 2.8172% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1558% | 1,751 |
| Return on assets (ROA) | 1.1558% | 1,862 |
| Pretax return on assets | 1.6475% | 1,228 |
| Return on Equity (ROE) | 12.2519% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.2519% | 293 |
| Net charge-offs to loans | 0.0964% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.8163% | 1,657 |
| Efficiency ratio | 63.0998% | 4,163 |
| Assets per employee ($millions) | 3.8107% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,607 |
| Loan loss allowance to noncurrent loans | 676.1111% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 4,417 |
| Noncurrent loans to loans | 0.1709% | 4,750 |
| Net loans and leases to total assets | 78.0429% | 1,196 |
| Net loans and leases to deposits | 91.0992% | 1,621 |
| Net loans and leases to core deposits | 99.1550% | 1,700 |
| Total domestic deposits to total assets | 85.6681% | 2,572 |
| Equity capital to assets | 9.4959% | 4,769 |
| Core capital (leverage) ratio | 9.2251% | 4,556 |
| Tier 1 risk-based capital ratio | 12.1491% | 4,735 |
| Total risk-based capital ratio | 13.3803% | 4,667 |
| Memoranda: | ||
| Average total assets | $129,775,000 | 3,894 |
| Average earning assets | $118,846,000 | 3,896 |
| Average equity | $12,243,000 | 4,275 |
| Average total loans | $101,611,000 | 3,376 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 565 |
| Cost of funding earning assets | 0.6583% | 1,004 |
| Net interest margin | 4.3554% | 821 |
| Noninterest income to average assets | 0.4595% | 3,420 |
| Noninterest expense to average assets | 2.8287% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1502% | 1,710 |
| Return on assets (ROA) | 1.1502% | 1,825 |
| Pretax return on assets | 1.6222% | 1,244 |
| Return on Equity (ROE) | 12.2340% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.2340% | 474 |
| Net charge-offs to loans | 0.1884% | 1,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.0426% | 1,888 |
| Efficiency ratio | 63.5534% | 4,200 |
| Assets per employee ($millions) | 3.6857% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 3,505 |
| Loan loss allowance to noncurrent loans | 432.2695% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 4,106 |
| Noncurrent loans to loans | 0.2767% | 4,440 |
| Net loans and leases to total assets | 78.0529% | 1,093 |
| Net loans and leases to deposits | 92.3261% | 1,301 |
| Net loans and leases to core deposits | 100.8918% | 1,415 |
| Total domestic deposits to total assets | 84.5404% | 3,298 |
| Equity capital to assets | 9.4542% | 4,713 |
| Core capital (leverage) ratio | 9.1292% | 4,693 |
| Tier 1 risk-based capital ratio | 12.2306% | 4,766 |
| Total risk-based capital ratio | 13.4803% | 4,668 |
| Memoranda: | ||
| Average total assets | $127,975,500 | 3,949 |
| Average earning assets | $117,279,500 | 3,953 |
| Average equity | $12,032,000 | 4,330 |
| Average total loans | $99,763,500 | 3,426 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 609 |
| Cost of funding earning assets | 0.6298% | 1,176 |
| Net interest margin | 4.3851% | 820 |
| Noninterest income to average assets | 0.5906% | 2,770 |
| Noninterest expense to average assets | 2.9570% | 2,679 |
| Loan and lease loss provision to assets | 0.2275% | 887 |
| Net operating income to assets | 1.0616% | 2,079 |
| Return on assets (ROA) | 1.1674% | 1,751 |
| Pretax return on assets | 1.5874% | 1,285 |
| Return on Equity (ROE) | 12.4164% | 1,204 |
| Retained earnings to average equity (ytd only) | 9.5305% | 529 |
| Net charge-offs to loans | 0.2623% | 1,147 |
| Credit loss provision to net charge-offs | 113.8211% | 2,235 |
| Earnings coverage of net charge-offs (x) | 8.3659% | 2,960 |
| Efficiency ratio | 63.8821% | 4,298 |
| Assets per employee ($millions) | 3.6228% | 4,603 |
| Cash dividends to net income (ytd only)* | 23.2429% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,925 |
| Loan loss allowance to noncurrent loans | 429.1525% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 3,765 |
| Noncurrent loans to loans | 0.3022% | 4,375 |
| Net loans and leases to total assets | 75.9888% | 1,420 |
| Net loans and leases to deposits | 89.7125% | 1,648 |
| Net loans and leases to core deposits | 98.1731% | 1,661 |
| Total domestic deposits to total assets | 84.7026% | 3,205 |
| Equity capital to assets | 9.3684% | 4,710 |
| Core capital (leverage) ratio | 8.8660% | 5,042 |
| Tier 1 risk-based capital ratio | 12.0891% | 4,891 |
| Total risk-based capital ratio | 13.3400% | 4,798 |
| Memoranda: | ||
| Average total assets | $123,096,000 | 4,021 |
| Average earning assets | $113,360,600 | 4,015 |
| Average equity | $11,573,400 | 4,377 |
| Average total loans | $93,785,200 | 3,509 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0129% | 603 |
| Cost of funding earning assets | 0.6138% | 1,319 |
| Net interest margin | 4.3992% | 798 |
| Noninterest income to average assets | 0.4802% | 3,500 |
| Noninterest expense to average assets | 2.7546% | 3,365 |
| Loan and lease loss provision to assets | 0.0327% | 3,574 |
| Net operating income to assets | 1.2564% | 1,463 |
| Return on assets (ROA) | 1.3947% | 1,169 |
| Pretax return on assets | 1.9448% | 673 |
| Return on Equity (ROE) | 14.8209% | 751 |
| Retained earnings to average equity (ytd only) | 14.8209% | 173 |
| Net charge-offs to loans | 0.2858% | 932 |
| Credit loss provision to net charge-offs | 15.0754% | 3,405 |
| Earnings coverage of net charge-offs (x) | 8.2210% | 2,834 |
| Efficiency ratio | 60.6731% | 4,794 |
| Assets per employee ($millions) | 3.5447% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 4,176 |
| Loan loss allowance to noncurrent loans | 382.3741% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 3,852 |
| Noncurrent loans to loans | 0.2900% | 4,546 |
| Net loans and leases to total assets | 76.4210% | 1,328 |
| Net loans and leases to deposits | 90.8343% | 1,546 |
| Net loans and leases to core deposits | 96.6976% | 1,823 |
| Total domestic deposits to total assets | 84.1324% | 3,366 |
| Equity capital to assets | 9.6845% | 4,535 |
| Core capital (leverage) ratio | 9.1592% | 4,793 |
| Tier 1 risk-based capital ratio | 13.0370% | 4,409 |
| Total risk-based capital ratio | 14.2481% | 4,352 |
| Memoranda: | ||
| Average total assets | $122,170,250 | 4,080 |
| Average earning assets | $112,745,750 | 4,067 |
| Average equity | $11,497,000 | 4,439 |
| Average total loans | $92,826,750 | 3,558 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9560% | 645 |
| Cost of funding earning assets | 0.5979% | 1,430 |
| Net interest margin | 4.3581% | 822 |
| Noninterest income to average assets | 0.4673% | 3,578 |
| Noninterest expense to average assets | 2.7464% | 3,425 |
| Loan and lease loss provision to assets | 0.0494% | 3,130 |
| Net operating income to assets | 1.2268% | 1,523 |
| Return on assets (ROA) | 1.3856% | 1,159 |
| Pretax return on assets | 1.9220% | 707 |
| Return on Equity (ROE) | 14.8706% | 756 |
| Retained earnings to average equity (ytd only) | 14.8706% | 200 |
| Net charge-offs to loans | 0.3660% | 708 |
| Credit loss provision to net charge-offs | 17.8571% | 3,035 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,797 |
| Efficiency ratio | 61.0684% | 4,821 |
| Assets per employee ($millions) | 3.5279% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 4,078 |
| Loan loss allowance to noncurrent loans | 281.2339% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 3,666 |
| Noncurrent loans to loans | 0.4091% | 4,252 |
| Net loans and leases to total assets | 76.1152% | 1,349 |
| Net loans and leases to deposits | 90.0791% | 1,585 |
| Net loans and leases to core deposits | 92.3612% | 2,118 |
| Total domestic deposits to total assets | 84.4982% | 3,347 |
| Equity capital to assets | 9.3678% | 4,821 |
| Core capital (leverage) ratio | 8.9927% | 4,984 |
| Tier 1 risk-based capital ratio | 12.4851% | 4,819 |
| Total risk-based capital ratio | 13.7259% | 4,739 |
| Memoranda: | ||
| Average total assets | $121,539,000 | 4,127 |
| Average earning assets | $112,388,330 | 4,110 |
| Average equity | $11,324,330 | 4,503 |
| Average total loans | $91,811,000 | 3,599 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 697 |
| Cost of funding earning assets | 0.5877% | 1,518 |
| Net interest margin | 4.3144% | 850 |
| Noninterest income to average assets | 0.4349% | 3,731 |
| Noninterest expense to average assets | 2.7588% | 3,391 |
| Loan and lease loss provision to assets | 0.0996% | 2,034 |
| Net operating income to assets | 1.1785% | 1,608 |
| Return on assets (ROA) | 1.1785% | 1,707 |
| Pretax return on assets | 1.5736% | 1,336 |
| Return on Equity (ROE) | 12.6967% | 1,164 |
| Retained earnings to average equity (ytd only) | 12.6967% | 480 |
| Net charge-offs to loans | 0.0222% | 2,705 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 100.8000% | 491 |
| Efficiency ratio | 62.2472% | 4,760 |
| Assets per employee ($millions) | 3.4665% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 2,980 |
| Loan loss allowance to noncurrent loans | 329.0576% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 3,718 |
| Noncurrent loans to loans | 0.4212% | 4,329 |
| Net loans and leases to total assets | 73.7171% | 1,547 |
| Net loans and leases to deposits | 84.9227% | 1,962 |
| Net loans and leases to core deposits | 87.0485% | 2,426 |
| Total domestic deposits to total assets | 86.8050% | 2,485 |
| Equity capital to assets | 9.3566% | 4,902 |
| Core capital (leverage) ratio | 8.6608% | 5,363 |
| Tier 1 risk-based capital ratio | 12.7343% | 4,769 |
| Total risk-based capital ratio | 13.9808% | 4,690 |
| Memoranda: | ||
| Average total assets | $120,487,500 | 4,178 |
| Average earning assets | $111,627,000 | 4,150 |
| Average equity | $11,184,000 | 4,565 |
| Average total loans | $90,177,500 | 3,643 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 816 |
| Cost of funding earning assets | 0.6204% | 1,605 |
| Net interest margin | 4.3521% | 965 |
| Noninterest income to average assets | 0.4805% | 3,649 |
| Noninterest expense to average assets | 2.9508% | 2,998 |
| Loan and lease loss provision to assets | 0.6182% | 221 |
| Net operating income to assets | 0.7940% | 3,404 |
| Return on assets (ROA) | 0.7940% | 3,498 |
| Pretax return on assets | 0.9759% | 3,592 |
| Return on Equity (ROE) | 8.3851% | 2,924 |
| Retained earnings to average equity (ytd only) | 5.2698% | 2,419 |
| Net charge-offs to loans | 0.7172% | 514 |
| Credit loss provision to net charge-offs | 116.8614% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.0134% | 4,007 |
| Efficiency ratio | 64.9242% | 4,415 |
| Assets per employee ($millions) | 3.4175% | 5,018 |
| Cash dividends to net income (ytd only)* | 37.1524% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 3,073 |
| Loan loss allowance to noncurrent loans | 194.9367% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 4,040 |
| Noncurrent loans to loans | 0.7049% | 3,567 |
| Net loans and leases to total assets | 73.9290% | 1,593 |
| Net loans and leases to deposits | 88.2903% | 1,704 |
| Net loans and leases to core deposits | 89.6972% | 2,313 |
| Total domestic deposits to total assets | 83.7341% | 3,825 |
| Equity capital to assets | 9.1788% | 5,098 |
| Core capital (leverage) ratio | 8.4882% | 5,570 |
| Tier 1 risk-based capital ratio | 12.4118% | 5,081 |
| Total risk-based capital ratio | 13.6652% | 5,005 |
| Memoranda: | ||
| Average total assets | $113,223,400 | 4,318 |
| Average earning assets | $105,742,400 | 4,276 |
| Average equity | $10,721,400 | 4,616 |
| Average total loans | $83,520,200 | 3,779 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 821 |
| Cost of funding earning assets | 0.6229% | 1,658 |
| Net interest margin | 4.3421% | 971 |
| Noninterest income to average assets | 0.4599% | 3,823 |
| Noninterest expense to average assets | 2.8619% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2100% | 1,649 |
| Return on assets (ROA) | 1.2100% | 1,714 |
| Pretax return on assets | 1.6615% | 1,159 |
| Return on Equity (ROE) | 12.6736% | 1,304 |
| Retained earnings to average equity (ytd only) | 12.6736% | 361 |
| Net charge-offs to loans | 0.5123% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.4159% | 3,466 |
| Efficiency ratio | 63.2691% | 4,670 |
| Assets per employee ($millions) | 3.3927% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 5,372 |
| Loan loss allowance to noncurrent loans | 163.5271% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 4,402 |
| Noncurrent loans to loans | 0.5892% | 4,158 |
| Net loans and leases to total assets | 70.6297% | 2,088 |
| Net loans and leases to deposits | 82.2973% | 2,386 |
| Net loans and leases to core deposits | 84.0120% | 2,878 |
| Total domestic deposits to total assets | 85.8227% | 2,943 |
| Equity capital to assets | 9.5574% | 4,722 |
| Core capital (leverage) ratio | 9.1245% | 4,888 |
| Tier 1 risk-based capital ratio | 13.3834% | 4,615 |
| Total risk-based capital ratio | 14.4177% | 4,689 |
| Memoranda: | ||
| Average total assets | $111,626,250 | 4,388 |
| Average earning assets | $104,462,250 | 4,339 |
| Average equity | $10,657,000 | 4,657 |
| Average total loans | $81,985,250 | 3,848 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 788 |
| Cost of funding earning assets | 0.6178% | 1,751 |
| Net interest margin | 4.3574% | 927 |
| Noninterest income to average assets | 0.4375% | 3,969 |
| Noninterest expense to average assets | 2.9198% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1789% | 1,659 |
| Return on assets (ROA) | 1.1789% | 1,731 |
| Pretax return on assets | 1.6109% | 1,225 |
| Return on Equity (ROE) | 12.3533% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.3533% | 389 |
| Net charge-offs to loans | 0.3724% | 1,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.8278% | 2,863 |
| Efficiency ratio | 64.4444% | 4,623 |
| Assets per employee ($millions) | 3.2512% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 4,577 |
| Loan loss allowance to noncurrent loans | 171.0297% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 4,160 |
| Noncurrent loans to loans | 0.6827% | 4,007 |
| Net loans and leases to total assets | 72.8997% | 1,593 |
| Net loans and leases to deposits | 84.5598% | 1,974 |
| Net loans and leases to core deposits | 86.6216% | 2,457 |
| Total domestic deposits to total assets | 86.2108% | 2,928 |
| Equity capital to assets | 9.5806% | 4,651 |
| Core capital (leverage) ratio | 9.1501% | 4,817 |
| Tier 1 risk-based capital ratio | 13.4006% | 4,650 |
| Total risk-based capital ratio | 14.6513% | 4,596 |
| Memoranda: | ||
| Average total assets | $109,253,000 | 4,458 |
| Average earning assets | $102,629,670 | 4,400 |
| Average equity | $10,426,330 | 4,724 |
| Average total loans | $81,085,000 | 3,880 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 875 |
| Cost of funding earning assets | 0.6140% | 1,864 |
| Net interest margin | 4.2859% | 1,025 |
| Noninterest income to average assets | 0.4262% | 3,975 |
| Noninterest expense to average assets | 2.9238% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1254% | 1,718 |
| Return on assets (ROA) | 1.1254% | 1,781 |
| Pretax return on assets | 1.5217% | 1,366 |
| Return on Equity (ROE) | 11.8172% | 1,460 |
| Retained earnings to average equity (ytd only) | 11.8172% | 631 |
| Net charge-offs to loans | 0.0904% | 2,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 22.6111% | 1,243 |
| Efficiency ratio | 65.7696% | 4,568 |
| Assets per employee ($millions) | 3.1468% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 3,738 |
| Loan loss allowance to noncurrent loans | 99.5528% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 3,228 |
| Noncurrent loans to loans | 1.3778% | 2,725 |
| Net loans and leases to total assets | 72.6645% | 1,469 |
| Net loans and leases to deposits | 83.8093% | 1,841 |
| Net loans and leases to core deposits | 85.6718% | 2,355 |
| Total domestic deposits to total assets | 86.7023% | 2,995 |
| Equity capital to assets | 9.4926% | 4,511 |
| Core capital (leverage) ratio | 9.3268% | 4,533 |
| Tier 1 risk-based capital ratio | 13.4427% | 4,734 |
| Total risk-based capital ratio | 14.6961% | 4,664 |
| Memoranda: | ||
| Average total assets | $106,983,500 | 4,559 |
| Average earning assets | $100,328,000 | 4,499 |
| Average equity | $10,188,500 | 4,779 |
| Average total loans | $79,660,500 | 3,942 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 621 |
| Cost of funding earning assets | 0.6784% | 1,970 |
| Net interest margin | 4.5328% | 688 |
| Noninterest income to average assets | 0.4978% | 3,779 |
| Noninterest expense to average assets | 3.3203% | 2,091 |
| Loan and lease loss provision to assets | 0.2877% | 1,194 |
| Net operating income to assets | 0.9135% | 2,713 |
| Return on assets (ROA) | 0.9197% | 2,770 |
| Pretax return on assets | 1.1394% | 2,810 |
| Return on Equity (ROE) | 9.4591% | 2,340 |
| Retained earnings to average equity (ytd only) | 6.1647% | 1,876 |
| Net charge-offs to loans | 0.6864% | 950 |
| Credit loss provision to net charge-offs | 57.9151% | 3,625 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 4,046 |
| Efficiency ratio | 70.0526% | 3,832 |
| Assets per employee ($millions) | 2.9665% | 5,882 |
| Cash dividends to net income (ytd only)* | 34.8279% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 3,435 |
| Loan loss allowance to noncurrent loans | 159.7458% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 4,201 |
| Noncurrent loans to loans | 0.9056% | 3,719 |
| Net loans and leases to total assets | 74.2045% | 1,310 |
| Net loans and leases to deposits | 85.5162% | 1,748 |
| Net loans and leases to core deposits | 87.5322% | 2,289 |
| Total domestic deposits to total assets | 86.7724% | 2,848 |
| Equity capital to assets | 9.5562% | 4,338 |
| Core capital (leverage) ratio | 9.0438% | 4,937 |
| Tier 1 risk-based capital ratio | 13.6268% | 4,569 |
| Total risk-based capital ratio | 14.8816% | 4,512 |
| Memoranda: | ||
| Average total assets | $104,268,800 | 4,633 |
| Average earning assets | $97,577,000 | 4,577 |
| Average equity | $10,138,400 | 4,812 |
| Average total loans | $75,468,600 | 4,078 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 643 |
| Cost of funding earning assets | 0.6840% | 2,068 |
| Net interest margin | 4.5162% | 715 |
| Noninterest income to average assets | 0.5007% | 3,800 |
| Noninterest expense to average assets | 3.0478% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2416% | 1,503 |
| Return on assets (ROA) | 1.2416% | 1,580 |
| Pretax return on assets | 1.6785% | 1,147 |
| Return on Equity (ROE) | 12.7149% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.7149% | 365 |
| Net charge-offs to loans | 0.7648% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.0629% | 3,816 |
| Efficiency ratio | 64.4865% | 4,724 |
| Assets per employee ($millions) | 3.0370% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 4,897 |
| Loan loss allowance to noncurrent loans | 102.5641% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 4,008 |
| Noncurrent loans to loans | 1.1628% | 3,495 |
| Net loans and leases to total assets | 71.7045% | 1,651 |
| Net loans and leases to deposits | 82.7253% | 2,044 |
| Net loans and leases to core deposits | 85.2743% | 2,494 |
| Total domestic deposits to total assets | 86.6778% | 2,871 |
| Equity capital to assets | 9.7012% | 4,301 |
| Core capital (leverage) ratio | 9.4399% | 4,491 |
| Tier 1 risk-based capital ratio | 13.9357% | 4,475 |
| Total risk-based capital ratio | 15.1867% | 4,427 |
| Memoranda: | ||
| Average total assets | $104,379,000 | 4,685 |
| Average earning assets | $97,660,750 | 4,622 |
| Average equity | $10,192,500 | 4,849 |
| Average total loans | $74,791,750 | 4,125 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 647 |
| Cost of funding earning assets | 0.6954% | 2,097 |
| Net interest margin | 4.4942% | 711 |
| Noninterest income to average assets | 0.5013% | 3,824 |
| Noninterest expense to average assets | 2.9497% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2898% | 1,353 |
| Return on assets (ROA) | 1.2898% | 1,447 |
| Pretax return on assets | 1.7505% | 1,015 |
| Return on Equity (ROE) | 13.1788% | 1,200 |
| Retained earnings to average equity (ytd only) | 13.1788% | 363 |
| Net charge-offs to loans | 1.5620% | 328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.5709% | 4,005 |
| Efficiency ratio | 62.7564% | 5,057 |
| Assets per employee ($millions) | 2.9086% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 5,630 |
| Loan loss allowance to noncurrent loans | 169.0789% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 4,422 |
| Noncurrent loans to loans | 0.6206% | 4,705 |
| Net loans and leases to total assets | 71.4244% | 1,659 |
| Net loans and leases to deposits | 83.8214% | 1,822 |
| Net loans and leases to core deposits | 86.5688% | 2,280 |
| Total domestic deposits to total assets | 85.2102% | 3,791 |
| Equity capital to assets | 9.9931% | 3,925 |
| Core capital (leverage) ratio | 9.3759% | 4,420 |
| Tier 1 risk-based capital ratio | 13.8296% | 4,541 |
| Total risk-based capital ratio | 14.9415% | 4,608 |
| Memoranda: | ||
| Average total assets | $103,740,000 | 4,729 |
| Average earning assets | $96,924,330 | 4,671 |
| Average equity | $10,152,670 | 4,899 |
| Average total loans | $74,009,330 | 4,173 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1692% | 647 |
| Cost of funding earning assets | 0.6999% | 2,209 |
| Net interest margin | 4.4694% | 712 |
| Noninterest income to average assets | 0.4890% | 3,854 |
| Noninterest expense to average assets | 2.9109% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2874% | 1,315 |
| Return on assets (ROA) | 1.2874% | 1,417 |
| Pretax return on assets | 1.7496% | 972 |
| Return on Equity (ROE) | 13.2906% | 1,099 |
| Retained earnings to average equity (ytd only) | 13.2906% | 519 |
| Net charge-offs to loans | 3.0590% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.8063% | 3,560 |
| Efficiency ratio | 62.4590% | 5,244 |
| Assets per employee ($millions) | 3.0480% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 5,733 |
| Loan loss allowance to noncurrent loans | 130.6020% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 4,276 |
| Noncurrent loans to loans | 0.8159% | 4,487 |
| Net loans and leases to total assets | 69.9723% | 1,662 |
| Net loans and leases to deposits | 81.4881% | 1,897 |
| Net loans and leases to core deposits | 85.6591% | 2,141 |
| Total domestic deposits to total assets | 85.8681% | 3,603 |
| Equity capital to assets | 9.8812% | 4,300 |
| Core capital (leverage) ratio | 8.8703% | 5,094 |
| Tier 1 risk-based capital ratio | 13.4019% | 4,938 |
| Total risk-based capital ratio | 14.5324% | 4,978 |
| Memoranda: | ||
| Average total assets | $104,710,000 | 4,751 |
| Average earning assets | $97,732,000 | 4,694 |
| Average equity | $10,142,500 | 4,958 |
| Average total loans | $74,273,500 | 4,194 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3179% | 895 |
| Cost of funding earning assets | 0.9712% | 1,520 |
| Net interest margin | 4.3468% | 1,296 |
| Noninterest income to average assets | 0.5074% | 3,847 |
| Noninterest expense to average assets | 2.9327% | 3,529 |
| Loan and lease loss provision to assets | 0.8011% | 606 |
| Net operating income to assets | 0.7164% | 3,661 |
| Return on assets (ROA) | 0.7164% | 3,916 |
| Pretax return on assets | 0.8536% | 4,088 |
| Return on Equity (ROE) | 7.4379% | 3,378 |
| Retained earnings to average equity (ytd only) | -5.3059% | 6,449 |
| Net charge-offs to loans | 0.4983% | 2,244 |
| Credit loss provision to net charge-offs | 225.3886% | 1,105 |
| Earnings coverage of net charge-offs (x) | 4.6554% | 3,296 |
| Efficiency ratio | 63.9301% | 4,895 |
| Assets per employee ($millions) | 3.1114% | 5,820 |
| Cash dividends to net income (ytd only)* | 171.3368% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 2,608 |
| Loan loss allowance to noncurrent loans | 535.3175% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 5,229 |
| Noncurrent loans to loans | 0.3349% | 5,646 |
| Net loans and leases to total assets | 69.8598% | 1,872 |
| Net loans and leases to deposits | 83.1756% | 1,858 |
| Net loans and leases to core deposits | 87.1797% | 2,171 |
| Total domestic deposits to total assets | 83.9908% | 4,317 |
| Equity capital to assets | 9.4953% | 4,879 |
| Core capital (leverage) ratio | 8.3665% | 5,805 |
| Tier 1 risk-based capital ratio | 12.6097% | 5,393 |
| Total risk-based capital ratio | 13.8679% | 5,335 |
| Memoranda: | ||
| Average total assets | $108,601,200 | 4,622 |
| Average earning assets | $101,938,200 | 4,550 |
| Average equity | $10,460,000 | 4,874 |
| Average total loans | $77,458,000 | 4,109 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 1,028 |
| Cost of funding earning assets | 1.0371% | 1,357 |
| Net interest margin | 4.2547% | 1,587 |
| Noninterest income to average assets | 0.5111% | 3,850 |
| Noninterest expense to average assets | 2.8507% | 3,794 |
| Loan and lease loss provision to assets | 0.0854% | 4,539 |
| Net operating income to assets | 1.1747% | 1,814 |
| Return on assets (ROA) | 1.1747% | 2,008 |
| Pretax return on assets | 1.5784% | 1,644 |
| Return on Equity (ROE) | 12.1545% | 1,584 |
| Retained earnings to average equity (ytd only) | -0.4670% | 6,172 |
| Net charge-offs to loans | 0.6426% | 1,709 |
| Credit loss provision to net charge-offs | 18.6170% | 4,973 |
| Earnings coverage of net charge-offs (x) | 3.6277% | 3,573 |
| Efficiency ratio | 63.1451% | 4,952 |
| Assets per employee ($millions) | 3.1098% | 5,827 |
| Cash dividends to net income (ytd only)* | 103.8420% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7216% | 6,721 |
| Loan loss allowance to noncurrent loans | 916.3934% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 5,861 |
| Noncurrent loans to loans | 0.0787% | 6,420 |
| Net loans and leases to total assets | 70.6559% | 1,791 |
| Net loans and leases to deposits | 84.2516% | 1,839 |
| Net loans and leases to core deposits | 90.3860% | 1,938 |
| Total domestic deposits to total assets | 83.8630% | 4,291 |
| Equity capital to assets | 9.6993% | 4,920 |
| Core capital (leverage) ratio | 8.6367% | 5,572 |
| Tier 1 risk-based capital ratio | 12.9397% | 5,300 |
| Total risk-based capital ratio | 13.7060% | 5,640 |
| Memoranda: | ||
| Average total assets | $109,304,250 | 4,655 |
| Average earning assets | $102,849,000 | 4,579 |
| Average equity | $10,563,750 | 4,899 |
| Average total loans | $78,009,250 | 4,137 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 1,146 |
| Cost of funding earning assets | 1.1302% | 1,094 |
| Net interest margin | 4.1187% | 2,016 |
| Noninterest income to average assets | 0.5134% | 3,837 |
| Noninterest expense to average assets | 2.8742% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1365% | 1,926 |
| Return on assets (ROA) | 1.1365% | 2,143 |
| Pretax return on assets | 1.5147% | 1,810 |
| Return on Equity (ROE) | 11.7736% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.7736% | 623 |
| Net charge-offs to loans | 0.8620% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.4599% | 3,774 |
| Efficiency ratio | 65.4871% | 4,625 |
| Assets per employee ($millions) | 3.1607% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6700% | 6,859 |
| Loan loss allowance to noncurrent loans | 111.6279% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 5,082 |
| Noncurrent loans to loans | 0.6002% | 5,312 |
| Net loans and leases to total assets | 70.7613% | 1,777 |
| Net loans and leases to deposits | 85.4733% | 1,660 |
| Net loans and leases to core deposits | 92.5809% | 1,721 |
| Total domestic deposits to total assets | 82.7876% | 4,830 |
| Equity capital to assets | 9.9933% | 4,349 |
| Core capital (leverage) ratio | 9.2207% | 4,574 |
| Tier 1 risk-based capital ratio | 13.5829% | 4,762 |
| Total risk-based capital ratio | 14.2932% | 5,133 |
| Memoranda: | ||
| Average total assets | $109,458,000 | 4,683 |
| Average earning assets | $102,992,670 | 4,602 |
| Average equity | $10,566,000 | 4,899 |
| Average total loans | $78,191,330 | 4,148 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2857% | 1,129 |
| Cost of funding earning assets | 1.2072% | 953 |
| Net interest margin | 4.0785% | 2,178 |
| Noninterest income to average assets | 0.5144% | 3,818 |
| Noninterest expense to average assets | 2.9318% | 3,503 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0765% | 2,183 |
| Return on assets (ROA) | 1.0765% | 2,366 |
| Pretax return on assets | 1.4181% | 2,129 |
| Return on Equity (ROE) | 11.3549% | 1,887 |
| Retained earnings to average equity (ytd only) | 11.3549% | 951 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3986% | 4,288 |
| Assets per employee ($millions) | 3.1422% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 5,889 |
| Loan loss allowance to noncurrent loans | 125.9098% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 5,329 |
| Noncurrent loans to loans | 0.8778% | 4,915 |
| Net loans and leases to total assets | 70.3768% | 1,691 |
| Net loans and leases to deposits | 84.4138% | 1,608 |
| Net loans and leases to core deposits | 93.3485% | 1,515 |
| Total domestic deposits to total assets | 83.3712% | 4,778 |
| Equity capital to assets | 9.5555% | 4,717 |
| Core capital (leverage) ratio | 8.9528% | 4,914 |
| Tier 1 risk-based capital ratio | 13.2820% | 5,000 |
| Total risk-based capital ratio | 14.4582% | 5,035 |
| Memoranda: | ||
| Average total assets | $108,875,000 | 4,731 |
| Average earning assets | $102,389,500 | 4,644 |
| Average equity | $10,321,500 | 4,965 |
| Average total loans | $77,883,500 | 4,188 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 1,235 |
| Cost of funding earning assets | 1.4891% | 747 |
| Net interest margin | 3.9828% | 2,972 |
| Noninterest income to average assets | 0.4899% | 3,925 |
| Noninterest expense to average assets | 2.9632% | 3,730 |
| Loan and lease loss provision to assets | 0.2859% | 3,372 |
| Net operating income to assets | 0.8072% | 3,007 |
| Return on assets (ROA) | 0.8445% | 3,006 |
| Pretax return on assets | 0.9989% | 3,254 |
| Return on Equity (ROE) | 9.4293% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.4293% | 688 |
| Net charge-offs to loans | 0.2665% | 4,105 |
| Credit loss provision to net charge-offs | 153.8462% | 1,826 |
| Earnings coverage of net charge-offs (x) | 6.6769% | 2,469 |
| Efficiency ratio | 70.4829% | 3,847 |
| Assets per employee ($millions) | 3.0792% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,762 |
| Loan loss allowance to noncurrent loans | 142.5041% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 5,564 |
| Noncurrent loans to loans | 0.7832% | 5,119 |
| Net loans and leases to total assets | 71.1112% | 1,804 |
| Net loans and leases to deposits | 85.3772% | 1,749 |
| Net loans and leases to core deposits | 94.0378% | 1,695 |
| Total domestic deposits to total assets | 83.2907% | 4,627 |
| Equity capital to assets | 9.4032% | 5,016 |
| Core capital (leverage) ratio | 8.7823% | 5,135 |
| Tier 1 risk-based capital ratio | 12.9857% | 5,081 |
| Total risk-based capital ratio | 14.1712% | 5,114 |
| Memoranda: | ||
| Average total assets | $104,918,800 | 4,757 |
| Average earning assets | $97,844,600 | 4,689 |
| Average equity | $9,396,200 | 5,181 |
| Average total loans | $73,182,600 | 4,374 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 1,255 |
| Cost of funding earning assets | 1.5355% | 752 |
| Net interest margin | 3.9618% | 3,093 |
| Noninterest income to average assets | 0.4862% | 3,984 |
| Noninterest expense to average assets | 2.8725% | 4,045 |
| Loan and lease loss provision to assets | 0.0640% | 5,650 |
| Net operating income to assets | 0.9842% | 2,379 |
| Return on assets (ROA) | 1.0313% | 2,369 |
| Pretax return on assets | 1.2961% | 2,299 |
| Return on Equity (ROE) | 11.6660% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.6660% | 534 |
| Net charge-offs to loans | 0.3255% | 3,468 |
| Credit loss provision to net charge-offs | 28.4091% | 5,435 |
| Earnings coverage of net charge-offs (x) | 5.7784% | 2,695 |
| Efficiency ratio | 68.8228% | 4,155 |
| Assets per employee ($millions) | 3.0416% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 6,688 |
| Loan loss allowance to noncurrent loans | 82.6597% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 5,358 |
| Noncurrent loans to loans | 1.0478% | 4,808 |
| Net loans and leases to total assets | 68.1690% | 2,449 |
| Net loans and leases to deposits | 81.9880% | 2,359 |
| Net loans and leases to core deposits | 90.4299% | 2,201 |
| Total domestic deposits to total assets | 83.1451% | 4,624 |
| Equity capital to assets | 9.4029% | 5,240 |
| Core capital (leverage) ratio | 8.9012% | 5,098 |
| Tier 1 risk-based capital ratio | 13.4924% | 4,738 |
| Total risk-based capital ratio | 14.4029% | 4,964 |
| Memoranda: | ||
| Average total assets | $104,205,500 | 4,812 |
| Average earning assets | $96,990,250 | 4,740 |
| Average equity | $9,211,750 | 5,255 |
| Average total loans | $72,102,500 | 4,451 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5392% | 1,210 |
| Cost of funding earning assets | 1.5671% | 799 |
| Net interest margin | 3.9720% | 2,980 |
| Noninterest income to average assets | 0.4736% | 4,074 |
| Noninterest expense to average assets | 2.8611% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0381% | 2,076 |
| Return on assets (ROA) | 1.0381% | 2,173 |
| Pretax return on assets | 1.2972% | 2,147 |
| Return on Equity (ROE) | 12.0058% | 1,489 |
| Retained earnings to average equity (ytd only) | 12.0058% | 518 |
| Net charge-offs to loans | -0.0028% | 6,542 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8052% | 4,365 |
| Assets per employee ($millions) | 3.1961% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 6,171 |
| Loan loss allowance to noncurrent loans | 89.7406% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 5,276 |
| Noncurrent loans to loans | 1.1632% | 4,711 |
| Net loans and leases to total assets | 68.4008% | 2,539 |
| Net loans and leases to deposits | 82.5463% | 2,367 |
| Net loans and leases to core deposits | 91.2740% | 2,222 |
| Total domestic deposits to total assets | 82.8635% | 4,820 |
| Equity capital to assets | 8.9674% | 5,626 |
| Core capital (leverage) ratio | 8.7555% | 5,129 |
| Tier 1 risk-based capital ratio | 13.1764% | 4,780 |
| Total risk-based capital ratio | 14.2752% | 4,877 |
| Memoranda: | ||
| Average total assets | $103,455,330 | 4,872 |
| Average earning assets | $95,970,670 | 4,819 |
| Average equity | $8,945,670 | 5,341 |
| Average total loans | $71,735,330 | 4,510 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 1,078 |
| Cost of funding earning assets | 1.5815% | 872 |
| Net interest margin | 4.0063% | 2,659 |
| Noninterest income to average assets | 0.4490% | 4,297 |
| Noninterest expense to average assets | 2.8776% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0308% | 2,070 |
| Return on assets (ROA) | 1.0308% | 2,118 |
| Pretax return on assets | 1.2807% | 2,099 |
| Return on Equity (ROE) | 12.1526% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.1526% | 718 |
| Net charge-offs to loans | -0.0056% | 6,261 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2019% | 4,434 |
| Assets per employee ($millions) | 3.2687% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,232 |
| Loan loss allowance to noncurrent loans | 3,805.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 7,141 |
| Noncurrent loans to loans | 0.0275% | 6,992 |
| Net loans and leases to total assets | 68.7980% | 2,375 |
| Net loans and leases to deposits | 81.5766% | 2,432 |
| Net loans and leases to core deposits | 91.7707% | 2,156 |
| Total domestic deposits to total assets | 84.3354% | 4,351 |
| Equity capital to assets | 8.4848% | 5,929 |
| Core capital (leverage) ratio | 8.6427% | 5,186 |
| Tier 1 risk-based capital ratio | 11.8372% | 5,828 |
| Total risk-based capital ratio | 12.8546% | 6,003 |
| Memoranda: | ||
| Average total assets | $102,447,500 | 4,933 |
| Average earning assets | $94,849,500 | 4,891 |
| Average equity | $8,689,500 | 5,411 |
| Average total loans | $71,151,000 | 4,580 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6496% | 1,749 |
| Cost of funding earning assets | 1.7052% | 1,580 |
| Net interest margin | 3.9444% | 3,285 |
| Noninterest income to average assets | 0.5570% | 3,777 |
| Noninterest expense to average assets | 3.0504% | 3,655 |
| Loan and lease loss provision to assets | 0.1084% | 6,064 |
| Net operating income to assets | 0.7966% | 2,819 |
| Return on assets (ROA) | 0.9547% | 2,314 |
| Pretax return on assets | 1.2559% | 2,061 |
| Return on Equity (ROE) | 10.4475% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.4475% | 445 |
| Net charge-offs to loans | 0.0388% | 6,421 |
| Credit loss provision to net charge-offs | 400.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 42.6800% | 544 |
| Efficiency ratio | 72.5142% | 3,699 |
| Assets per employee ($millions) | 3.2354% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,974 |
| Loan loss allowance to noncurrent loans | 808.5106% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 6,997 |
| Noncurrent loans to loans | 0.1351% | 6,800 |
| Net loans and leases to total assets | 68.6159% | 2,832 |
| Net loans and leases to deposits | 85.0163% | 2,277 |
| Net loans and leases to core deposits | 96.7034% | 1,922 |
| Total domestic deposits to total assets | 80.7091% | 5,619 |
| Equity capital to assets | 8.4789% | 5,884 |
| Core capital (leverage) ratio | 8.8578% | 4,766 |
| Tier 1 risk-based capital ratio | 11.8025% | 5,648 |
| Total risk-based capital ratio | 12.8468% | 5,839 |
| Memoranda: | ||
| Average total assets | $92,282,000 | 5,216 |
| Average earning assets | $85,387,000 | 5,167 |
| Average equity | $8,432,600 | 5,572 |
| Average total loans | $64,446,400 | 4,891 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7560% | 1,526 |
| Cost of funding earning assets | 1.7316% | 1,716 |
| Net interest margin | 4.0244% | 2,989 |
| Noninterest income to average assets | 0.5789% | 3,590 |
| Noninterest expense to average assets | 3.0143% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9290% | 2,496 |
| Return on assets (ROA) | 1.1328% | 1,900 |
| Pretax return on assets | 1.5611% | 1,443 |
| Return on Equity (ROE) | 12.1529% | 1,459 |
| Retained earnings to average equity (ytd only) | 12.1529% | 444 |
| Net charge-offs to loans | 0.0169% | 6,445 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 108.4630% | 294 |
| Efficiency ratio | 70.1616% | 4,031 |
| Assets per employee ($millions) | 3.1677% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 6,270 |
| Loan loss allowance to noncurrent loans | 1,381.6327% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 7,217 |
| Noncurrent loans to loans | 0.0745% | 7,059 |
| Net loans and leases to total assets | 68.5008% | 3,096 |
| Net loans and leases to deposits | 84.4648% | 2,626 |
| Net loans and leases to core deposits | 95.4613% | 2,325 |
| Total domestic deposits to total assets | 81.0999% | 5,331 |
| Equity capital to assets | 9.4759% | 4,882 |
| Core capital (leverage) ratio | 9.0278% | 4,649 |
| Tier 1 risk-based capital ratio | 12.6163% | 4,878 |
| Total risk-based capital ratio | 13.6241% | 5,075 |
| Memoranda: | ||
| Average total assets | $90,278,500 | 5,348 |
| Average earning assets | $83,389,250 | 5,292 |
| Average equity | $8,414,750 | 5,652 |
| Average total loans | $63,163,250 | 5,016 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7695% | 1,511 |
| Cost of funding earning assets | 1.7619% | 1,809 |
| Net interest margin | 4.0076% | 2,979 |
| Noninterest income to average assets | 0.5976% | 3,350 |
| Noninterest expense to average assets | 3.0442% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9053% | 2,539 |
| Return on assets (ROA) | 1.2154% | 1,587 |
| Pretax return on assets | 1.6822% | 1,087 |
| Return on Equity (ROE) | 13.1175% | 1,208 |
| Retained earnings to average equity (ytd only) | 13.1175% | 368 |
| Net charge-offs to loans | 0.0096% | 6,219 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 184 |
| Efficiency ratio | 70.8661% | 4,005 |
| Assets per employee ($millions) | 2.9165% | 6,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 6,108 |
| Loan loss allowance to noncurrent loans | 487.1429% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 7,001 |
| Noncurrent loans to loans | 0.2186% | 6,807 |
| Net loans and leases to total assets | 70.0921% | 2,874 |
| Net loans and leases to deposits | 87.6998% | 2,227 |
| Net loans and leases to core deposits | 99.9779% | 2,017 |
| Total domestic deposits to total assets | 79.9228% | 5,751 |
| Equity capital to assets | 9.4712% | 4,746 |
| Core capital (leverage) ratio | 9.3198% | 4,082 |
| Tier 1 risk-based capital ratio | 13.3462% | 4,174 |
| Total risk-based capital ratio | 14.4499% | 4,242 |
| Memoranda: | ||
| Average total assets | $88,694,330 | 5,428 |
| Average earning assets | $81,844,670 | 5,376 |
| Average equity | $8,218,000 | 5,724 |
| Average total loans | $62,293,000 | 5,090 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7545% | 1,613 |
| Cost of funding earning assets | 1.8227% | 1,787 |
| Net interest margin | 3.9318% | 3,190 |
| Noninterest income to average assets | 0.6694% | 2,813 |
| Noninterest expense to average assets | 3.0739% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8948% | 2,565 |
| Return on assets (ROA) | 1.3935% | 1,163 |
| Pretax return on assets | 1.8944% | 736 |
| Return on Equity (ROE) | 15.2135% | 838 |
| Retained earnings to average equity (ytd only) | 15.2135% | 394 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5801% | 4,000 |
| Assets per employee ($millions) | 2.8802% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,943 |
| Loan loss allowance to noncurrent loans | 665.0485% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 7,125 |
| Noncurrent loans to loans | 0.1674% | 7,002 |
| Net loans and leases to total assets | 70.4068% | 2,825 |
| Net loans and leases to deposits | 87.7837% | 2,258 |
| Net loans and leases to core deposits | 99.2657% | 2,202 |
| Total domestic deposits to total assets | 80.2048% | 5,714 |
| Equity capital to assets | 9.5180% | 4,506 |
| Core capital (leverage) ratio | 9.2616% | 4,114 |
| Tier 1 risk-based capital ratio | 12.8603% | 4,430 |
| Total risk-based capital ratio | 13.9595% | 4,517 |
| Memoranda: | ||
| Average total assets | $87,836,000 | 5,519 |
| Average earning assets | $80,980,500 | 5,469 |
| Average equity | $8,045,500 | 5,826 |
| Average total loans | $61,413,000 | 5,195 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9982% | 1,875 |
| Cost of funding earning assets | 2.1813% | 2,110 |
| Net interest margin | 3.8169% | 3,633 |
| Noninterest income to average assets | 0.7688% | 2,563 |
| Noninterest expense to average assets | 3.1881% | 3,412 |
| Loan and lease loss provision to assets | 0.1839% | 5,866 |
| Net operating income to assets | 0.6901% | 2,973 |
| Return on assets (ROA) | 0.9062% | 2,219 |
| Pretax return on assets | 1.2017% | 1,947 |
| Return on Equity (ROE) | 11.0144% | 1,418 |
| Retained earnings to average equity (ytd only) | 7.8248% | 745 |
| Net charge-offs to loans | 0.0173% | 6,976 |
| Credit loss provision to net charge-offs | 1,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 307 |
| Efficiency ratio | 74.3920% | 3,810 |
| Assets per employee ($millions) | 3.0782% | 6,038 |
| Cash dividends to net income (ytd only)* | 28.9581% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,825 |
| Loan loss allowance to noncurrent loans | 262.4521% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 6,715 |
| Noncurrent loans to loans | 0.4257% | 6,416 |
| Net loans and leases to total assets | 67.9098% | 3,720 |
| Net loans and leases to deposits | 88.4539% | 2,481 |
| Net loans and leases to core deposits | 112.8862% | 2,612 |
| Total domestic deposits to total assets | 76.7742% | 6,537 |
| Equity capital to assets | 8.8129% | 5,413 |
| Core capital (leverage) ratio | 9.0672% | 4,308 |
| Tier 1 risk-based capital ratio | 11.8108% | 5,103 |
| Total risk-based capital ratio | 12.8602% | 5,242 |
| Memoranda: | ||
| Average total assets | $81,552,000 | 5,682 |
| Average earning assets | $75,139,600 | 5,633 |
| Average equity | $6,709,400 | 6,365 |
| Average total loans | $57,687,000 | 5,353 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0404% | 1,881 |
| Cost of funding earning assets | 2.2443% | 2,210 |
| Net interest margin | 3.7962% | 3,676 |
| Noninterest income to average assets | 0.7066% | 2,974 |
| Noninterest expense to average assets | 3.1397% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7800% | 2,896 |
| Return on assets (ROA) | 1.0600% | 1,927 |
| Pretax return on assets | 1.4485% | 1,567 |
| Return on Equity (ROE) | 13.1461% | 1,086 |
| Retained earnings to average equity (ytd only) | 8.7017% | 921 |
| Net charge-offs to loans | -0.0329% | 7,812 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6714% | 3,749 |
| Assets per employee ($millions) | 3.0191% | 6,112 |
| Cash dividends to net income (ytd only)* | 33.8077% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,576 |
| Loan loss allowance to noncurrent loans | 206.2731% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 6,682 |
| Noncurrent loans to loans | 0.4577% | 6,405 |
| Net loans and leases to total assets | 69.3866% | 3,634 |
| Net loans and leases to deposits | 91.1062% | 2,376 |
| Net loans and leases to core deposits | 116.3509% | 2,589 |
| Total domestic deposits to total assets | 76.1602% | 6,557 |
| Equity capital to assets | 8.3433% | 6,453 |
| Core capital (leverage) ratio | 8.0685% | 6,240 |
| Tier 1 risk-based capital ratio | 11.3514% | 5,587 |
| Total risk-based capital ratio | 12.3126% | 5,844 |
| Memoranda: | ||
| Average total assets | $79,623,250 | 5,777 |
| Average earning assets | $73,370,500 | 5,738 |
| Average equity | $6,420,000 | 6,515 |
| Average total loans | $56,782,250 | 5,436 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0581% | 1,952 |
| Cost of funding earning assets | 2.2843% | 2,425 |
| Net interest margin | 3.7737% | 3,657 |
| Noninterest income to average assets | 0.6899% | 3,057 |
| Noninterest expense to average assets | 3.1929% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6946% | 3,281 |
| Return on assets (ROA) | 1.1156% | 1,799 |
| Pretax return on assets | 1.5516% | 1,323 |
| Return on Equity (ROE) | 14.0119% | 987 |
| Retained earnings to average equity (ytd only) | 7.1187% | 1,539 |
| Net charge-offs to loans | -0.1108% | 7,967 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7571% | 3,554 |
| Assets per employee ($millions) | 2.8579% | 6,496 |
| Cash dividends to net income (ytd only)* | 49.1954% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,130 |
| Loan loss allowance to noncurrent loans | 210.2190% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 6,596 |
| Noncurrent loans to loans | 0.4822% | 6,321 |
| Net loans and leases to total assets | 70.2957% | 3,628 |
| Net loans and leases to deposits | 86.1743% | 3,524 |
| Net loans and leases to core deposits | 108.5401% | 3,547 |
| Total domestic deposits to total assets | 81.5738% | 4,867 |
| Equity capital to assets | 7.7716% | 7,009 |
| Core capital (leverage) ratio | 8.1256% | 6,115 |
| Tier 1 risk-based capital ratio | 11.4424% | 5,450 |
| Total risk-based capital ratio | 12.4714% | 5,582 |
| Memoranda: | ||
| Average total assets | $77,986,000 | 5,866 |
| Average earning assets | $71,706,000 | 5,834 |
| Average equity | $6,209,000 | 6,640 |
| Average total loans | $55,971,330 | 5,504 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0791% | 2,027 |
| Cost of funding earning assets | 2.2938% | 2,726 |
| Net interest margin | 3.7853% | 3,512 |
| Noninterest income to average assets | 0.6548% | 3,173 |
| Noninterest expense to average assets | 3.1546% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6829% | 3,644 |
| Return on assets (ROA) | 1.4396% | 1,141 |
| Pretax return on assets | 2.0788% | 560 |
| Return on Equity (ROE) | 17.8594% | 602 |
| Retained earnings to average equity (ytd only) | 4.0619% | 3,636 |
| Net charge-offs to loans | -0.1080% | 7,900 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2563% | 3,445 |
| Assets per employee ($millions) | 2.7691% | 6,711 |
| Cash dividends to net income (ytd only)* | 77.2563% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,190 |
| Loan loss allowance to noncurrent loans | 629.2135% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 7,245 |
| Noncurrent loans to loans | 0.1589% | 7,072 |
| Net loans and leases to total assets | 71.5364% | 3,343 |
| Net loans and leases to deposits | 89.0732% | 3,092 |
| Net loans and leases to core deposits | 113.0693% | 3,094 |
| Total domestic deposits to total assets | 80.3119% | 5,237 |
| Equity capital to assets | 7.7992% | 7,073 |
| Core capital (leverage) ratio | 8.0981% | 6,291 |
| Tier 1 risk-based capital ratio | 10.9000% | 5,993 |
| Total risk-based capital ratio | 11.8771% | 6,185 |
| Memoranda: | ||
| Average total assets | $76,968,000 | 5,914 |
| Average earning assets | $70,799,500 | 5,887 |
| Average equity | $6,204,000 | 6,688 |
| Average total loans | $55,543,000 | 5,561 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5412% | 2,756 |
| Cost of funding earning assets | 2.5368% | 4,015 |
| Net interest margin | 4.0043% | 3,088 |
| Noninterest income to average assets | 0.8173% | 2,417 |
| Noninterest expense to average assets | 3.5343% | 2,303 |
| Loan and lease loss provision to assets | 0.2040% | 4,850 |
| Net operating income to assets | 0.5546% | 4,507 |
| Return on assets (ROA) | 0.6148% | 4,101 |
| Pretax return on assets | 0.7896% | 4,110 |
| Return on Equity (ROE) | 6.4093% | 3,792 |
| Retained earnings to average equity (ytd only) | -8.5356% | 6,930 |
| Net charge-offs to loans | 0.2431% | 3,831 |
| Credit loss provision to net charge-offs | 116.6667% | 4,624 |
| Earnings coverage of net charge-offs (x) | 5.2417% | 3,719 |
| Efficiency ratio | 79.4108% | 2,681 |
| Assets per employee ($millions) | 2.6346% | 6,929 |
| Cash dividends to net income (ytd only)* | 233.1754% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 6,147 |
| Loan loss allowance to noncurrent loans | 349.3590% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 6,755 |
| Noncurrent loans to loans | 0.2833% | 6,521 |
| Net loans and leases to total assets | 71.3542% | 3,719 |
| Net loans and leases to deposits | 88.2421% | 3,764 |
| Net loans and leases to core deposits | 115.3046% | 3,206 |
| Total domestic deposits to total assets | 80.8618% | 4,708 |
| Equity capital to assets | 8.3257% | 6,378 |
| Core capital (leverage) ratio | 8.6685% | 5,252 |
| Tier 1 risk-based capital ratio | 11.1802% | 5,556 |
| Total risk-based capital ratio | 12.1657% | 5,720 |
| Memoranda: | ||
| Average total assets | $68,642,400 | 6,072 |
| Average earning assets | $62,282,400 | 6,079 |
| Average equity | $6,584,200 | 6,610 |
| Average total loans | $49,364,800 | 5,730 |