| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4347% | 686 |
| Cost of funding earning assets | 1.6679% | 2,807 |
| Net interest margin | 4.7668% | 431 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.9451% | 1,242 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.2841% | 1,513 |
| Return on assets (ROA) | 1.2833% | 1,511 |
| Pretax return on assets | 1.6254% | 1,252 |
| Return on Equity (ROE) | 10.8500% | 2,066 |
| Retained earnings to average equity (ytd only) | -2.3274% | 3,938 |
| Net charge-offs to loans | -0.0033% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.6210% | 2,648 |
| Assets per employee ($millions) | 5.8831% | 3,026 |
| Cash dividends to net income (ytd only)* | 121.4511% | 371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8377% | 506 |
| Loan loss allowance to noncurrent loans | 712.0313% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 2,095 |
| Noncurrent loans to loans | 0.2581% | 2,569 |
| Net loans and leases to total assets | 61.7500% | 2,721 |
| Net loans and leases to deposits | 72.2010% | 2,721 |
| Net loans and leases to core deposits | 80.8384% | 2,638 |
| Total domestic deposits to total assets | 85.5300% | 2,465 |
| Equity capital to assets | 12.0173% | 1,218 |
| Core capital (leverage) ratio | 14.5056% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $395,235,500 | 2,086 |
| Average earning assets | $359,487,000 | 2,108 |
| Average equity | $46,746,500 | 1,846 |
| Average total loans | $245,954,000 | 2,138 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3686% | 841 |
| Cost of funding earning assets | 1.6171% | 3,145 |
| Net interest margin | 4.7514% | 464 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 3.0255% | 1,105 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.3250% | 1,227 |
| Return on assets (ROA) | 1.3434% | 1,187 |
| Pretax return on assets | 1.6903% | 986 |
| Return on Equity (ROE) | 11.4000% | 1,769 |
| Retained earnings to average equity (ytd only) | 8.2108% | 1,050 |
| Net charge-offs to loans | -0.0527% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 63.6938% | 2,758 |
| Assets per employee ($millions) | 6.0970% | 2,805 |
| Cash dividends to net income (ytd only)* | 27.9557% | 2,660 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9165% | 434 |
| Loan loss allowance to noncurrent loans | 1,168.7500% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 1,978 |
| Noncurrent loans to loans | 0.1640% | 2,864 |
| Net loans and leases to total assets | 60.3700% | 2,898 |
| Net loans and leases to deposits | 70.1596% | 2,941 |
| Net loans and leases to core deposits | 79.9407% | 2,782 |
| Total domestic deposits to total assets | 86.0500% | 2,205 |
| Equity capital to assets | 11.6388% | 1,306 |
| Core capital (leverage) ratio | 14.4498% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $376,495,400 | 2,116 |
| Average earning assets | $344,001,200 | 2,135 |
| Average equity | $44,380,600 | 1,855 |
| Average total loans | $233,380,000 | 2,174 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2826% | 904 |
| Cost of funding earning assets | 1.5721% | 3,221 |
| Net interest margin | 4.7105% | 483 |
| Noninterest income to average assets | 0.4200% | 2,310 |
| Noninterest expense to average assets | 2.9268% | 1,208 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.3642% | 1,179 |
| Return on assets (ROA) | 1.3392% | 1,234 |
| Pretax return on assets | 1.7010% | 1,013 |
| Return on Equity (ROE) | 11.3200% | 1,807 |
| Retained earnings to average equity (ytd only) | 7.0329% | 1,731 |
| Net charge-offs to loans | -0.0745% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.7131% | 2,970 |
| Assets per employee ($millions) | 5.6436% | 3,161 |
| Cash dividends to net income (ytd only)* | 37.8885% | 1,855 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9140% | 456 |
| Loan loss allowance to noncurrent loans | 1,707.0111% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 1,999 |
| Noncurrent loans to loans | 0.1121% | 3,124 |
| Net loans and leases to total assets | 63.6500% | 2,572 |
| Net loans and leases to deposits | 75.2221% | 2,589 |
| Net loans and leases to core deposits | 86.3363% | 2,395 |
| Total domestic deposits to total assets | 84.6100% | 2,414 |
| Equity capital to assets | 12.8493% | 1,011 |
| Core capital (leverage) ratio | 14.7992% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $371,543,000 | 2,134 |
| Average earning assets | $340,850,250 | 2,148 |
| Average equity | $43,944,500 | 1,870 |
| Average total loans | $230,741,000 | 2,178 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1784% | 940 |
| Cost of funding earning assets | 1.4593% | 3,375 |
| Net interest margin | 4.7191% | 475 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.9152% | 1,224 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.3877% | 1,104 |
| Return on assets (ROA) | 1.3873% | 1,114 |
| Pretax return on assets | 1.7649% | 898 |
| Return on Equity (ROE) | 12.0800% | 1,598 |
| Retained earnings to average equity (ytd only) | 5.4457% | 2,199 |
| Net charge-offs to loans | -0.0018% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.1758% | 3,095 |
| Assets per employee ($millions) | 5.4200% | 3,292 |
| Cash dividends to net income (ytd only)* | 54.9126% | 1,291 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8783% | 496 |
| Loan loss allowance to noncurrent loans | 1,369.6594% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 1,904 |
| Noncurrent loans to loans | 0.1371% | 2,961 |
| Net loans and leases to total assets | 61.8000% | 2,785 |
| Net loans and leases to deposits | 72.3217% | 2,821 |
| Net loans and leases to core deposits | 82.4118% | 2,647 |
| Total domestic deposits to total assets | 85.4500% | 2,169 |
| Equity capital to assets | 11.6485% | 1,291 |
| Core capital (leverage) ratio | 14.3669% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $371,231,333 | 2,126 |
| Average earning assets | $340,026,000 | 2,142 |
| Average equity | $42,639,000 | 1,881 |
| Average total loans | $227,089,333 | 2,185 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9744% | 1,099 |
| Cost of funding earning assets | 1.3324% | 3,506 |
| Net interest margin | 4.6421% | 502 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.8908% | 1,253 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.3906% | 1,071 |
| Return on assets (ROA) | 1.3897% | 1,080 |
| Pretax return on assets | 1.7499% | 893 |
| Return on Equity (ROE) | 12.1900% | 1,513 |
| Retained earnings to average equity (ytd only) | -1.2234% | 3,861 |
| Net charge-offs to loans | -0.0036% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.3355% | 3,112 |
| Assets per employee ($millions) | 5.5176% | 3,252 |
| Cash dividends to net income (ytd only)* | 110.0389% | 458 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9853% | 395 |
| Loan loss allowance to noncurrent loans | 1,521.4286% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 2,009 |
| Noncurrent loans to loans | 0.1305% | 2,958 |
| Net loans and leases to total assets | 59.7400% | 2,883 |
| Net loans and leases to deposits | 68.9535% | 2,975 |
| Net loans and leases to core deposits | 76.9521% | 2,919 |
| Total domestic deposits to total assets | 86.6300% | 1,896 |
| Equity capital to assets | 11.2633% | 1,404 |
| Core capital (leverage) ratio | 14.3321% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $369,857,000 | 2,143 |
| Average earning assets | $339,847,500 | 2,155 |
| Average equity | $42,177,000 | 1,890 |
| Average total loans | $222,865,000 | 2,197 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3548% | 1,387 |
| Cost of funding earning assets | 0.7902% | 3,764 |
| Net interest margin | 4.5646% | 552 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.8643% | 1,354 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.3078% | 1,423 |
| Return on assets (ROA) | 1.2772% | 1,451 |
| Pretax return on assets | 1.5972% | 1,235 |
| Return on Equity (ROE) | 11.6800% | 2,046 |
| Retained earnings to average equity (ytd only) | 8.4704% | 1,404 |
| Net charge-offs to loans | 0.0024% | 2,710 |
| Credit loss provision to net charge-offs | 9,600.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,260.2000% | 126 |
| Efficiency ratio | 61.8029% | 2,857 |
| Assets per employee ($millions) | 5.4417% | 3,300 |
| Cash dividends to net income (ytd only)* | 27.4967% | 2,647 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9894% | 378 |
| Loan loss allowance to noncurrent loans | 1,378.9308% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 1,736 |
| Noncurrent loans to loans | 0.1443% | 2,794 |
| Net loans and leases to total assets | 58.3800% | 3,003 |
| Net loans and leases to deposits | 67.6419% | 3,060 |
| Net loans and leases to core deposits | 74.8709% | 3,035 |
| Total domestic deposits to total assets | 86.3100% | 1,911 |
| Equity capital to assets | 11.5438% | 1,271 |
| Core capital (leverage) ratio | 15.8297% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $355,938,000 | 2,171 |
| Average earning assets | $324,455,200 | 2,193 |
| Average equity | $38,911,800 | 1,918 |
| Average total loans | $205,397,800 | 2,251 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2119% | 1,435 |
| Cost of funding earning assets | 0.6604% | 3,845 |
| Net interest margin | 4.5514% | 574 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.8239% | 1,385 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.3382% | 1,449 |
| Return on assets (ROA) | 1.2965% | 1,538 |
| Pretax return on assets | 1.5992% | 1,361 |
| Return on Equity (ROE) | 12.0400% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.6463% | 2,093 |
| Net charge-offs to loans | 0.0053% | 2,270 |
| Credit loss provision to net charge-offs | 4,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 590.3750% | 262 |
| Efficiency ratio | 61.2456% | 2,814 |
| Assets per employee ($millions) | 5.3621% | 3,291 |
| Cash dividends to net income (ytd only)* | 36.4751% | 1,800 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0859% | 343 |
| Loan loss allowance to noncurrent loans | 989.0661% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 1,633 |
| Noncurrent loans to loans | 0.2109% | 2,507 |
| Net loans and leases to total assets | 57.5900% | 3,063 |
| Net loans and leases to deposits | 66.0309% | 3,123 |
| Net loans and leases to core deposits | 73.6229% | 3,014 |
| Total domestic deposits to total assets | 87.2200% | 1,822 |
| Equity capital to assets | 10.4671% | 1,567 |
| Core capital (leverage) ratio | 14.3205% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $352,414,000 | 2,191 |
| Average earning assets | $320,799,000 | 2,205 |
| Average equity | $37,960,750 | 1,933 |
| Average total loans | $201,642,500 | 2,275 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0450% | 1,478 |
| Cost of funding earning assets | 0.5165% | 3,947 |
| Net interest margin | 4.5285% | 589 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.8058% | 1,405 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.3081% | 1,552 |
| Return on assets (ROA) | 1.2463% | 1,698 |
| Pretax return on assets | 1.5589% | 1,481 |
| Return on Equity (ROE) | 11.4600% | 2,308 |
| Retained earnings to average equity (ytd only) | 4.9286% | 2,958 |
| Net charge-offs to loans | 0.0100% | 1,825 |
| Credit loss provision to net charge-offs | 2,400.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 311.9000% | 437 |
| Efficiency ratio | 61.2835% | 2,813 |
| Assets per employee ($millions) | 5.2617% | 3,354 |
| Cash dividends to net income (ytd only)* | 56.9995% | 1,069 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0499% | 381 |
| Loan loss allowance to noncurrent loans | 579.6703% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,145 |
| Noncurrent loans to loans | 0.3536% | 1,869 |
| Net loans and leases to total assets | 58.0700% | 2,957 |
| Net loans and leases to deposits | 67.5662% | 2,940 |
| Net loans and leases to core deposits | 72.0252% | 3,013 |
| Total domestic deposits to total assets | 85.9400% | 2,247 |
| Equity capital to assets | 11.1207% | 1,337 |
| Core capital (leverage) ratio | 14.3592% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $351,918,667 | 2,197 |
| Average earning assets | $320,633,333 | 2,221 |
| Average equity | $38,266,667 | 1,932 |
| Average total loans | $199,469,667 | 2,290 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9231% | 1,373 |
| Cost of funding earning assets | 0.4080% | 3,948 |
| Net interest margin | 4.5151% | 576 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.8376% | 1,359 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.2886% | 1,703 |
| Return on assets (ROA) | 1.2895% | 1,676 |
| Pretax return on assets | 1.6079% | 1,440 |
| Return on Equity (ROE) | 11.9900% | 2,220 |
| Retained earnings to average equity (ytd only) | -1.1341% | 4,139 |
| Net charge-offs to loans | 0.0245% | 1,195 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 128.5833% | 674 |
| Efficiency ratio | 61.9576% | 2,706 |
| Assets per employee ($millions) | 5.3956% | 3,324 |
| Cash dividends to net income (ytd only)* | 109.4571% | 380 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0681% | 393 |
| Loan loss allowance to noncurrent loans | 550.8065% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 2,077 |
| Noncurrent loans to loans | 0.3755% | 1,806 |
| Net loans and leases to total assets | 55.3300% | 3,085 |
| Net loans and leases to deposits | 63.8917% | 3,096 |
| Net loans and leases to core deposits | 67.2798% | 3,146 |
| Total domestic deposits to total assets | 86.6000% | 2,409 |
| Equity capital to assets | 11.1020% | 1,304 |
| Core capital (leverage) ratio | 14.9832% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $354,242,000 | 2,217 |
| Average earning assets | $324,508,500 | 2,238 |
| Average equity | $38,090,500 | 1,959 |
| Average total loans | $196,272,500 | 2,336 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4350% | 825 |
| Cost of funding earning assets | 0.3547% | 2,441 |
| Net interest margin | 4.0803% | 688 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.5858% | 1,865 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.1922% | 1,804 |
| Return on assets (ROA) | 1.1929% | 1,734 |
| Pretax return on assets | 1.4863% | 1,497 |
| Return on Equity (ROE) | 10.4800% | 2,649 |
| Retained earnings to average equity (ytd only) | 7.1977% | 2,146 |
| Net charge-offs to loans | -0.1434% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.1027% | 2,893 |
| Assets per employee ($millions) | 5.3399% | 3,374 |
| Cash dividends to net income (ytd only)* | 31.2954% | 2,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0526% | 394 |
| Loan loss allowance to noncurrent loans | 327.5862% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 1,492 |
| Noncurrent loans to loans | 0.6266% | 1,182 |
| Net loans and leases to total assets | 53.2200% | 3,265 |
| Net loans and leases to deposits | 60.8090% | 3,284 |
| Net loans and leases to core deposits | 64.1002% | 3,259 |
| Total domestic deposits to total assets | 87.5200% | 2,231 |
| Equity capital to assets | 10.4103% | 1,495 |
| Core capital (leverage) ratio | 14.8154% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $357,872,600 | 2,189 |
| Average earning assets | $327,009,000 | 2,212 |
| Average equity | $40,749,200 | 1,894 |
| Average total loans | $190,417,600 | 2,306 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2907% | 752 |
| Cost of funding earning assets | 0.3597% | 1,622 |
| Net interest margin | 3.9310% | 739 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.5098% | 1,990 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.1383% | 1,937 |
| Return on assets (ROA) | 1.1377% | 1,908 |
| Pretax return on assets | 1.4205% | 1,659 |
| Return on Equity (ROE) | 9.7800% | 2,795 |
| Retained earnings to average equity (ytd only) | 5.8264% | 2,811 |
| Net charge-offs to loans | -0.1309% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.3738% | 2,920 |
| Assets per employee ($millions) | 5.7010% | 3,034 |
| Cash dividends to net income (ytd only)* | 40.4388% | 1,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9478% | 549 |
| Loan loss allowance to noncurrent loans | 205.9824% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 1,081 |
| Noncurrent loans to loans | 0.9456% | 824 |
| Net loans and leases to total assets | 52.6000% | 3,224 |
| Net loans and leases to deposits | 59.7926% | 3,215 |
| Net loans and leases to core deposits | 63.0795% | 3,183 |
| Total domestic deposits to total assets | 87.9700% | 2,445 |
| Equity capital to assets | 9.8237% | 1,708 |
| Core capital (leverage) ratio | 14.1046% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $357,897,750 | 2,203 |
| Average earning assets | $327,269,750 | 2,217 |
| Average equity | $41,625,250 | 1,896 |
| Average total loans | $189,424,000 | 2,318 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1235% | 738 |
| Cost of funding earning assets | 0.3638% | 1,163 |
| Net interest margin | 3.7597% | 821 |
| Noninterest income to average assets | 0.5024% | 2,187 |
| Noninterest expense to average assets | 2.4830% | 1,983 |
| Loan and lease loss provision to assets | 0.1678% | 549 |
| Net operating income to assets | 1.0566% | 1,949 |
| Return on assets (ROA) | 1.0557% | 1,919 |
| Pretax return on assets | 1.3142% | 1,696 |
| Return on Equity (ROE) | 8.6284% | 2,814 |
| Retained earnings to average equity (ytd only) | 2.9813% | 3,456 |
| Net charge-offs to loans | -0.0945% | 4,427 |
| Credit loss provision to net charge-offs | -337.0787% | 3,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6040% | 2,965 |
| Assets per employee ($millions) | 5.6888% | 3,034 |
| Cash dividends to net income (ytd only)* | 65.4478% | 922 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8311% | 770 |
| Loan loss allowance to noncurrent loans | 214.1298% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 1,225 |
| Noncurrent loans to loans | 0.8551% | 997 |
| Net loans and leases to total assets | 52.8194% | 3,079 |
| Net loans and leases to deposits | 60.4108% | 3,025 |
| Net loans and leases to core deposits | 63.9147% | 2,976 |
| Total domestic deposits to total assets | 87.4337% | 2,790 |
| Equity capital to assets | 10.4625% | 1,449 |
| Core capital (leverage) ratio | 12.7861% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $357,476,000 | 2,214 |
| Average earning assets | $329,331,333 | 2,233 |
| Average equity | $43,739,333 | 1,867 |
| Average total loans | $188,339,333 | 2,316 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9931% | 786 |
| Cost of funding earning assets | 0.3707% | 1,058 |
| Net interest margin | 3.6224% | 865 |
| Noninterest income to average assets | 0.4829% | 2,220 |
| Noninterest expense to average assets | 2.4234% | 2,096 |
| Loan and lease loss provision to assets | 0.1681% | 466 |
| Net operating income to assets | 1.0187% | 1,797 |
| Return on assets (ROA) | 1.0196% | 1,785 |
| Pretax return on assets | 1.2537% | 1,645 |
| Return on Equity (ROE) | 7.7677% | 2,773 |
| Retained earnings to average equity (ytd only) | -2.7742% | 4,297 |
| Net charge-offs to loans | -0.1913% | 4,591 |
| Credit loss provision to net charge-offs | -168.5393% | 2,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0428% | 3,141 |
| Assets per employee ($millions) | 5.5275% | 3,297 |
| Cash dividends to net income (ytd only)* | 135.7143% | 352 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8341% | 827 |
| Loan loss allowance to noncurrent loans | 407.3494% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 2,263 |
| Noncurrent loans to loans | 0.4502% | 1,902 |
| Net loans and leases to total assets | 50.3675% | 3,134 |
| Net loans and leases to deposits | 58.6713% | 3,015 |
| Net loans and leases to core deposits | 62.2308% | 2,953 |
| Total domestic deposits to total assets | 85.8470% | 3,309 |
| Equity capital to assets | 12.0928% | 926 |
| Core capital (leverage) ratio | 13.5188% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $357,016,500 | 2,225 |
| Average earning assets | $331,270,000 | 2,229 |
| Average equity | $46,860,500 | 1,824 |
| Average total loans | $186,092,500 | 2,329 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1373% | 1,100 |
| Cost of funding earning assets | 0.4417% | 1,251 |
| Net interest margin | 3.6955% | 1,229 |
| Noninterest income to average assets | 0.4230% | 2,933 |
| Noninterest expense to average assets | 2.4168% | 2,438 |
| Loan and lease loss provision to assets | 0.1651% | 710 |
| Net operating income to assets | 1.0077% | 2,637 |
| Return on assets (ROA) | 1.0311% | 2,627 |
| Pretax return on assets | 1.2680% | 2,463 |
| Return on Equity (ROE) | 6.9896% | 3,520 |
| Retained earnings to average equity (ytd only) | 3.8310% | 3,282 |
| Net charge-offs to loans | 0.0291% | 1,657 |
| Credit loss provision to net charge-offs | 1,078.8462% | 506 |
| Earnings coverage of net charge-offs (x) | 91.7500% | 917 |
| Efficiency ratio | 63.2491% | 2,675 |
| Assets per employee ($millions) | 5.5429% | 3,222 |
| Cash dividends to net income (ytd only)* | 45.1898% | 1,766 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6727% | 1,109 |
| Loan loss allowance to noncurrent loans | 379.0109% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 2,391 |
| Noncurrent loans to loans | 0.4413% | 2,032 |
| Net loans and leases to total assets | 52.0649% | 3,060 |
| Net loans and leases to deposits | 62.2143% | 2,861 |
| Net loans and leases to core deposits | 65.1221% | 2,893 |
| Total domestic deposits to total assets | 83.6864% | 3,642 |
| Equity capital to assets | 14.1715% | 634 |
| Core capital (leverage) ratio | 14.2283% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $339,750,400 | 2,247 |
| Average earning assets | $312,403,200 | 2,271 |
| Average equity | $50,117,000 | 1,761 |
| Average total loans | $178,754,200 | 2,396 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2455% | 1,036 |
| Cost of funding earning assets | 0.4585% | 1,299 |
| Net interest margin | 3.7870% | 1,143 |
| Noninterest income to average assets | 0.4123% | 3,019 |
| Noninterest expense to average assets | 2.4444% | 2,292 |
| Loan and lease loss provision to assets | 0.1473% | 768 |
| Net operating income to assets | 1.0439% | 2,753 |
| Return on assets (ROA) | 1.0670% | 2,732 |
| Pretax return on assets | 1.3238% | 2,559 |
| Return on Equity (ROE) | 7.1593% | 3,629 |
| Retained earnings to average equity (ytd only) | 4.2732% | 3,489 |
| Net charge-offs to loans | 0.0408% | 1,279 |
| Credit loss provision to net charge-offs | 687.0370% | 649 |
| Earnings coverage of net charge-offs (x) | 67.3148% | 1,080 |
| Efficiency ratio | 62.8892% | 2,553 |
| Assets per employee ($millions) | 5.4392% | 3,266 |
| Cash dividends to net income (ytd only)* | 40.3124% | 1,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6172% | 1,296 |
| Loan loss allowance to noncurrent loans | 377.2379% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 2,556 |
| Noncurrent loans to loans | 0.4287% | 2,271 |
| Net loans and leases to total assets | 52.3734% | 3,162 |
| Net loans and leases to deposits | 63.2911% | 2,926 |
| Net loans and leases to core deposits | 66.3126% | 2,924 |
| Total domestic deposits to total assets | 82.7500% | 3,768 |
| Equity capital to assets | 14.8264% | 565 |
| Core capital (leverage) ratio | 14.2636% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $336,001,500 | 2,282 |
| Average earning assets | $308,273,250 | 2,316 |
| Average equity | $50,078,000 | 1,778 |
| Average total loans | $176,482,750 | 2,446 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2302% | 1,128 |
| Cost of funding earning assets | 0.4750% | 1,357 |
| Net interest margin | 3.7552% | 1,210 |
| Noninterest income to average assets | 0.4182% | 3,017 |
| Noninterest expense to average assets | 2.4142% | 2,416 |
| Loan and lease loss provision to assets | 0.1408% | 865 |
| Net operating income to assets | 1.0456% | 2,736 |
| Return on assets (ROA) | 1.0684% | 2,731 |
| Pretax return on assets | 1.3212% | 2,578 |
| Return on Equity (ROE) | 7.1556% | 3,618 |
| Retained earnings to average equity (ytd only) | 2.8052% | 3,905 |
| Net charge-offs to loans | 0.0653% | 966 |
| Credit loss provision to net charge-offs | 412.2807% | 750 |
| Earnings coverage of net charge-offs (x) | 41.9825% | 1,142 |
| Efficiency ratio | 62.7375% | 2,621 |
| Assets per employee ($millions) | 5.4063% | 3,235 |
| Cash dividends to net income (ytd only)* | 60.7964% | 904 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5960% | 1,285 |
| Loan loss allowance to noncurrent loans | 395.9155% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 2,784 |
| Noncurrent loans to loans | 0.4031% | 2,470 |
| Net loans and leases to total assets | 50.0910% | 3,549 |
| Net loans and leases to deposits | 60.5452% | 3,345 |
| Net loans and leases to core deposits | 63.4623% | 3,338 |
| Total domestic deposits to total assets | 82.7332% | 3,762 |
| Equity capital to assets | 14.4093% | 635 |
| Core capital (leverage) ratio | 14.2274% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $333,778,000 | 2,286 |
| Average earning assets | $304,857,333 | 2,323 |
| Average equity | $49,835,333 | 1,775 |
| Average total loans | $174,504,000 | 2,476 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1287% | 1,327 |
| Cost of funding earning assets | 0.5030% | 1,377 |
| Net interest margin | 3.6256% | 1,512 |
| Noninterest income to average assets | 0.4114% | 3,034 |
| Noninterest expense to average assets | 2.4122% | 2,459 |
| Loan and lease loss provision to assets | 0.1660% | 758 |
| Net operating income to assets | 0.9230% | 3,069 |
| Return on assets (ROA) | 0.9339% | 3,110 |
| Pretax return on assets | 1.1548% | 2,970 |
| Return on Equity (ROE) | 6.1416% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.1862% | 3,171 |
| Net charge-offs to loans | -0.0023% | 3,166 |
| Credit loss provision to net charge-offs | -13,600.0000% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8507% | 2,364 |
| Assets per employee ($millions) | 5.1884% | 3,444 |
| Cash dividends to net income (ytd only)* | 15.5556% | 2,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5509% | 1,418 |
| Loan loss allowance to noncurrent loans | 292.8118% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 2,453 |
| Noncurrent loans to loans | 0.5297% | 2,263 |
| Net loans and leases to total assets | 52.9522% | 3,355 |
| Net loans and leases to deposits | 64.4678% | 3,084 |
| Net loans and leases to core deposits | 67.4549% | 3,113 |
| Total domestic deposits to total assets | 82.1375% | 3,867 |
| Equity capital to assets | 14.8616% | 516 |
| Core capital (leverage) ratio | 14.8915% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $327,664,000 | 2,303 |
| Average earning assets | $298,982,500 | 2,337 |
| Average equity | $49,824,500 | 1,767 |
| Average total loans | $173,691,500 | 2,488 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7254% | 850 |
| Cost of funding earning assets | 0.6764% | 1,843 |
| Net interest margin | 4.0490% | 880 |
| Noninterest income to average assets | 0.5277% | 2,518 |
| Noninterest expense to average assets | 2.8371% | 1,843 |
| Loan and lease loss provision to assets | 0.2100% | 1,870 |
| Net operating income to assets | 0.9576% | 2,444 |
| Return on assets (ROA) | 0.9632% | 2,575 |
| Pretax return on assets | 1.1789% | 2,403 |
| Return on Equity (ROE) | 5.8052% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.9558% | 2,853 |
| Net charge-offs to loans | 0.0582% | 1,947 |
| Credit loss provision to net charge-offs | 645.8333% | 1,057 |
| Earnings coverage of net charge-offs (x) | 42.5104% | 1,332 |
| Efficiency ratio | 67.2419% | 2,333 |
| Assets per employee ($millions) | 5.1313% | 3,256 |
| Cash dividends to net income (ytd only)* | 31.8565% | 2,758 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5600% | 1,398 |
| Loan loss allowance to noncurrent loans | 297.5141% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 2,651 |
| Noncurrent loans to loans | 0.5243% | 2,403 |
| Net loans and leases to total assets | 51.3960% | 3,712 |
| Net loans and leases to deposits | 63.1609% | 3,505 |
| Net loans and leases to core deposits | 66.6664% | 3,488 |
| Total domestic deposits to total assets | 81.3732% | 3,793 |
| Equity capital to assets | 15.5597% | 480 |
| Core capital (leverage) ratio | 15.3976% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $295,268,800 | 2,313 |
| Average earning assets | $269,202,000 | 2,342 |
| Average equity | $48,990,800 | 1,729 |
| Average total loans | $164,926,400 | 2,527 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7110% | 1,040 |
| Cost of funding earning assets | 0.7100% | 1,966 |
| Net interest margin | 4.0010% | 1,112 |
| Noninterest income to average assets | 0.5448% | 2,403 |
| Noninterest expense to average assets | 2.7654% | 2,073 |
| Loan and lease loss provision to assets | 0.1734% | 2,251 |
| Net operating income to assets | 1.0117% | 2,299 |
| Return on assets (ROA) | 1.0162% | 2,404 |
| Pretax return on assets | 1.2581% | 2,194 |
| Return on Equity (ROE) | 6.0194% | 3,544 |
| Retained earnings to average equity (ytd only) | 4.8440% | 2,633 |
| Net charge-offs to loans | 0.0732% | 1,574 |
| Credit loss provision to net charge-offs | 416.6667% | 1,429 |
| Earnings coverage of net charge-offs (x) | 34.2556% | 1,480 |
| Efficiency ratio | 65.9788% | 2,466 |
| Assets per employee ($millions) | 4.9287% | 3,341 |
| Cash dividends to net income (ytd only)* | 19.5266% | 2,803 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3456% | 1,977 |
| Loan loss allowance to noncurrent loans | 312.5326% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 2,760 |
| Noncurrent loans to loans | 0.4306% | 2,764 |
| Net loans and leases to total assets | 57.4375% | 3,472 |
| Net loans and leases to deposits | 71.6899% | 3,162 |
| Net loans and leases to core deposits | 76.0954% | 3,158 |
| Total domestic deposits to total assets | 80.1194% | 3,838 |
| Equity capital to assets | 16.4203% | 423 |
| Core capital (leverage) ratio | 15.9312% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $288,268,500 | 2,336 |
| Average earning assets | $262,726,000 | 2,358 |
| Average equity | $48,663,500 | 1,730 |
| Average total loans | $163,962,750 | 2,545 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6686% | 1,479 |
| Cost of funding earning assets | 0.7395% | 2,180 |
| Net interest margin | 3.9291% | 1,502 |
| Noninterest income to average assets | 1.1568% | 744 |
| Noninterest expense to average assets | 3.3742% | 886 |
| Loan and lease loss provision to assets | 0.1381% | 2,640 |
| Net operating income to assets | 0.9726% | 2,415 |
| Return on assets (ROA) | 0.9749% | 2,543 |
| Pretax return on assets | 1.2248% | 2,273 |
| Return on Equity (ROE) | 5.7186% | 3,598 |
| Retained earnings to average equity (ytd only) | 4.4519% | 2,729 |
| Net charge-offs to loans | 0.0916% | 1,341 |
| Credit loss provision to net charge-offs | 267.1233% | 1,700 |
| Earnings coverage of net charge-offs (x) | 26.3151% | 1,529 |
| Efficiency ratio | 71.2726% | 1,788 |
| Assets per employee ($millions) | 4.8012% | 3,412 |
| Cash dividends to net income (ytd only)* | 22.1496% | 2,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2724% | 2,145 |
| Loan loss allowance to noncurrent loans | 306.0357% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 2,864 |
| Noncurrent loans to loans | 0.4158% | 2,921 |
| Net loans and leases to total assets | 57.2291% | 3,584 |
| Net loans and leases to deposits | 71.4970% | 3,305 |
| Net loans and leases to core deposits | 75.1954% | 3,356 |
| Total domestic deposits to total assets | 80.0441% | 3,825 |
| Equity capital to assets | 16.3556% | 428 |
| Core capital (leverage) ratio | 16.2754% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $282,498,333 | 2,348 |
| Average earning assets | $257,206,333 | 2,372 |
| Average equity | $48,159,000 | 1,731 |
| Average total loans | $159,313,333 | 2,570 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9254% | 1,126 |
| Cost of funding earning assets | 0.7865% | 2,469 |
| Net interest margin | 4.1390% | 1,058 |
| Noninterest income to average assets | 1.4150% | 445 |
| Noninterest expense to average assets | 3.6491% | 752 |
| Loan and lease loss provision to assets | 0.1761% | 1,683 |
| Net operating income to assets | 1.0728% | 1,926 |
| Return on assets (ROA) | 1.0774% | 2,017 |
| Pretax return on assets | 1.3578% | 1,697 |
| Return on Equity (ROE) | 6.1807% | 3,245 |
| Retained earnings to average equity (ytd only) | 5.1787% | 2,204 |
| Net charge-offs to loans | 0.0053% | 2,386 |
| Credit loss provision to net charge-offs | 6,000.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 520.5000% | 118 |
| Efficiency ratio | 70.4848% | 2,282 |
| Assets per employee ($millions) | 4.4085% | 3,399 |
| Cash dividends to net income (ytd only)* | 16.2125% | 2,406 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4558% | 1,512 |
| Loan loss allowance to noncurrent loans | 251.7514% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 2,558 |
| Noncurrent loans to loans | 0.5783% | 2,555 |
| Net loans and leases to total assets | 56.0812% | 3,831 |
| Net loans and leases to deposits | 71.4018% | 3,487 |
| Net loans and leases to core deposits | 75.5742% | 3,523 |
| Total domestic deposits to total assets | 78.5432% | 4,131 |
| Equity capital to assets | 17.8884% | 364 |
| Core capital (leverage) ratio | 17.4717% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $272,509,000 | 2,357 |
| Average earning assets | $247,693,500 | 2,386 |
| Average equity | $47,502,500 | 1,744 |
| Average total loans | $151,302,000 | 2,628 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8235% | 1,975 |
| Cost of funding earning assets | 0.7819% | 2,764 |
| Net interest margin | 4.0416% | 1,705 |
| Noninterest income to average assets | 0.6706% | 1,919 |
| Noninterest expense to average assets | 2.9818% | 2,063 |
| Loan and lease loss provision to assets | 0.0508% | 3,005 |
| Net operating income to assets | 1.0491% | 2,659 |
| Return on assets (ROA) | 1.0485% | 2,758 |
| Pretax return on assets | 1.3023% | 2,498 |
| Return on Equity (ROE) | 6.1640% | 3,860 |
| Retained earnings to average equity (ytd only) | 3.8566% | 3,039 |
| Net charge-offs to loans | 0.3127% | 664 |
| Credit loss provision to net charge-offs | 30.2222% | 3,269 |
| Earnings coverage of net charge-offs (x) | 8.0489% | 2,811 |
| Efficiency ratio | 68.7732% | 2,350 |
| Assets per employee ($millions) | 4.4532% | 3,299 |
| Cash dividends to net income (ytd only)* | 37.4332% | 2,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4101% | 1,490 |
| Loan loss allowance to noncurrent loans | 321.0046% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 2,470 |
| Noncurrent loans to loans | 0.4393% | 2,874 |
| Net loans and leases to total assets | 53.4062% | 4,121 |
| Net loans and leases to deposits | 67.1013% | 3,892 |
| Net loans and leases to core deposits | 71.5683% | 3,881 |
| Total domestic deposits to total assets | 79.5904% | 4,055 |
| Equity capital to assets | 16.9865% | 468 |
| Core capital (leverage) ratio | 16.9903% | 415 |
| Tier 1 risk-based capital ratio | 26.4127% | 651 |
| Total risk-based capital ratio | 27.6259% | 642 |
| Memoranda: |
| Average total assets | $267,523,400 | 2,346 |
| Average earning assets | $242,603,000 | 2,385 |
| Average equity | $45,506,000 | 1,744 |
| Average total loans | $143,906,800 | 2,678 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8158% | 2,069 |
| Cost of funding earning assets | 0.7554% | 2,944 |
| Net interest margin | 4.0604% | 1,729 |
| Noninterest income to average assets | 0.6155% | 2,130 |
| Noninterest expense to average assets | 2.9773% | 2,041 |
| Loan and lease loss provision to assets | 0.0683% | 2,512 |
| Net operating income to assets | 1.0117% | 2,941 |
| Return on assets (ROA) | 1.0109% | 3,022 |
| Pretax return on assets | 1.2495% | 2,817 |
| Return on Equity (ROE) | 5.9405% | 4,063 |
| Retained earnings to average equity (ytd only) | 4.1867% | 3,307 |
| Net charge-offs to loans | 0.4042% | 414 |
| Credit loss provision to net charge-offs | 31.4815% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.0763% | 2,863 |
| Efficiency ratio | 69.3018% | 2,216 |
| Assets per employee ($millions) | 4.3100% | 3,470 |
| Cash dividends to net income (ytd only)* | 29.5229% | 2,634 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4960% | 1,257 |
| Loan loss allowance to noncurrent loans | 177.7778% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 1,948 |
| Noncurrent loans to loans | 0.8415% | 1,897 |
| Net loans and leases to total assets | 52.4358% | 4,291 |
| Net loans and leases to deposits | 66.7381% | 4,012 |
| Net loans and leases to core deposits | 71.4836% | 3,980 |
| Total domestic deposits to total assets | 78.5695% | 4,254 |
| Equity capital to assets | 17.5214% | 433 |
| Core capital (leverage) ratio | 17.0697% | 434 |
| Tier 1 risk-based capital ratio | 27.2407% | 624 |
| Total risk-based capital ratio | 28.4905% | 609 |
| Memoranda: |
| Average total assets | $265,379,000 | 2,374 |
| Average earning assets | $240,563,500 | 2,423 |
| Average equity | $45,157,500 | 1,756 |
| Average total loans | $142,492,500 | 2,717 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8123% | 2,021 |
| Cost of funding earning assets | 0.6952% | 3,192 |
| Net interest margin | 4.1171% | 1,564 |
| Noninterest income to average assets | 0.5507% | 2,381 |
| Noninterest expense to average assets | 2.9891% | 2,032 |
| Loan and lease loss provision to assets | 0.0725% | 2,366 |
| Net operating income to assets | 0.9981% | 2,928 |
| Return on assets (ROA) | 0.9896% | 3,031 |
| Pretax return on assets | 1.2184% | 2,845 |
| Return on Equity (ROE) | 5.8740% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.1073% | 3,193 |
| Net charge-offs to loans | 0.7898% | 179 |
| Credit loss provision to net charge-offs | 17.0515% | 2,673 |
| Earnings coverage of net charge-offs (x) | 3.0604% | 2,881 |
| Efficiency ratio | 69.6655% | 2,279 |
| Assets per employee ($millions) | 4.2282% | 3,528 |
| Cash dividends to net income (ytd only)* | 30.0763% | 2,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3800% | 1,695 |
| Loan loss allowance to noncurrent loans | 201.1305% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 2,030 |
| Noncurrent loans to loans | 0.6861% | 2,260 |
| Net loans and leases to total assets | 52.5034% | 4,322 |
| Net loans and leases to deposits | 66.4050% | 4,072 |
| Net loans and leases to core deposits | 71.3170% | 4,046 |
| Total domestic deposits to total assets | 79.0654% | 4,203 |
| Equity capital to assets | 17.2609% | 441 |
| Core capital (leverage) ratio | 17.0448% | 425 |
| Tier 1 risk-based capital ratio | 26.9842% | 622 |
| Total risk-based capital ratio | 28.1605% | 614 |
| Memoranda: |
| Average total assets | $264,764,670 | 2,387 |
| Average earning assets | $240,509,670 | 2,426 |
| Average equity | $44,603,000 | 1,771 |
| Average total loans | $142,574,000 | 2,737 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8697% | 1,689 |
| Cost of funding earning assets | 0.6208% | 3,458 |
| Net interest margin | 4.2489% | 1,198 |
| Noninterest income to average assets | 0.5622% | 2,219 |
| Noninterest expense to average assets | 3.0065% | 1,979 |
| Loan and lease loss provision to assets | 0.0546% | 2,576 |
| Net operating income to assets | 1.0941% | 2,497 |
| Return on assets (ROA) | 1.0759% | 2,608 |
| Pretax return on assets | 1.3366% | 2,305 |
| Return on Equity (ROE) | 6.4670% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.3649% | 2,752 |
| Net charge-offs to loans | 0.8506% | 173 |
| Credit loss provision to net charge-offs | 11.8421% | 2,174 |
| Earnings coverage of net charge-offs (x) | 3.0691% | 2,434 |
| Efficiency ratio | 68.0151% | 2,640 |
| Assets per employee ($millions) | 4.3828% | 3,354 |
| Cash dividends to net income (ytd only)* | 17.0423% | 2,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5169% | 1,281 |
| Loan loss allowance to noncurrent loans | 157.8331% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 1,352 |
| Noncurrent loans to loans | 0.9611% | 1,735 |
| Net loans and leases to total assets | 53.2279% | 4,257 |
| Net loans and leases to deposits | 65.7851% | 4,069 |
| Net loans and leases to core deposits | 70.3966% | 4,067 |
| Total domestic deposits to total assets | 80.9118% | 3,987 |
| Equity capital to assets | 17.0146% | 446 |
| Core capital (leverage) ratio | 16.8440% | 440 |
| Tier 1 risk-based capital ratio | 26.7282% | 639 |
| Total risk-based capital ratio | 27.9790% | 627 |
| Memoranda: |
| Average total assets | $263,958,500 | 2,414 |
| Average earning assets | $239,686,000 | 2,455 |
| Average equity | $43,915,000 | 1,781 |
| Average total loans | $142,954,000 | 2,767 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6909% | 1,851 |
| Cost of funding earning assets | 0.5221% | 3,215 |
| Net interest margin | 4.1688% | 1,479 |
| Noninterest income to average assets | 0.4729% | 2,982 |
| Noninterest expense to average assets | 2.9540% | 2,179 |
| Loan and lease loss provision to assets | 0.0378% | 3,450 |
| Net operating income to assets | 1.0356% | 2,860 |
| Return on assets (ROA) | 1.0403% | 2,833 |
| Pretax return on assets | 1.2563% | 2,673 |
| Return on Equity (ROE) | 6.4957% | 4,006 |
| Retained earnings to average equity (ytd only) | 4.3675% | 3,142 |
| Net charge-offs to loans | 0.2666% | 724 |
| Credit loss provision to net charge-offs | 27.3973% | 3,363 |
| Earnings coverage of net charge-offs (x) | 9.3315% | 2,819 |
| Efficiency ratio | 69.6300% | 2,259 |
| Assets per employee ($millions) | 4.3434% | 3,396 |
| Cash dividends to net income (ytd only)* | 32.7636% | 2,908 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6859% | 857 |
| Loan loss allowance to noncurrent loans | 57.1698% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9842% | 482 |
| Noncurrent loans to loans | 2.9490% | 352 |
| Net loans and leases to total assets | 53.3520% | 4,324 |
| Net loans and leases to deposits | 65.3988% | 4,159 |
| Net loans and leases to core deposits | 69.5936% | 4,134 |
| Total domestic deposits to total assets | 81.5794% | 3,768 |
| Equity capital to assets | 16.2624% | 495 |
| Core capital (leverage) ratio | 16.3977% | 468 |
| Tier 1 risk-based capital ratio | 25.7660% | 688 |
| Total risk-based capital ratio | 27.0185% | 671 |
| Memoranda: |
| Average total assets | $264,349,600 | 2,374 |
| Average earning assets | $239,039,600 | 2,420 |
| Average equity | $42,335,800 | 1,769 |
| Average total loans | $136,897,200 | 2,807 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6715% | 1,764 |
| Cost of funding earning assets | 0.5066% | 3,157 |
| Net interest margin | 4.1649% | 1,454 |
| Noninterest income to average assets | 0.4401% | 3,233 |
| Noninterest expense to average assets | 2.8654% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0995% | 2,670 |
| Return on assets (ROA) | 1.1057% | 2,649 |
| Pretax return on assets | 1.3414% | 2,463 |
| Return on Equity (ROE) | 6.9310% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.2196% | 3,108 |
| Net charge-offs to loans | 0.0750% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 34.7766% | 1,466 |
| Efficiency ratio | 68.2370% | 2,498 |
| Assets per employee ($millions) | 4.2578% | 3,498 |
| Cash dividends to net income (ytd only)* | 24.6921% | 2,804 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8447% | 661 |
| Loan loss allowance to noncurrent loans | 154.6154% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 1,243 |
| Noncurrent loans to loans | 1.1931% | 1,419 |
| Net loans and leases to total assets | 52.6689% | 4,447 |
| Net loans and leases to deposits | 64.6392% | 4,300 |
| Net loans and leases to core deposits | 68.9846% | 4,247 |
| Total domestic deposits to total assets | 81.4814% | 3,744 |
| Equity capital to assets | 15.9688% | 546 |
| Core capital (leverage) ratio | 16.1532% | 499 |
| Tier 1 risk-based capital ratio | 22.0411% | 1,050 |
| Total risk-based capital ratio | 23.2922% | 1,027 |
| Memoranda: |
| Average total assets | $264,200,000 | 2,386 |
| Average earning assets | $238,462,500 | 2,438 |
| Average equity | $42,148,000 | 1,775 |
| Average total loans | $135,176,750 | 2,841 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5799% | 1,841 |
| Cost of funding earning assets | 0.4946% | 3,037 |
| Net interest margin | 4.0853% | 1,604 |
| Noninterest income to average assets | 0.4087% | 3,427 |
| Noninterest expense to average assets | 2.8342% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0474% | 2,820 |
| Return on assets (ROA) | 1.0512% | 2,792 |
| Pretax return on assets | 1.2608% | 2,673 |
| Return on Equity (ROE) | 6.5914% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.6756% | 2,736 |
| Net charge-offs to loans | 0.0707% | 1,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.3191% | 1,383 |
| Efficiency ratio | 69.2877% | 2,431 |
| Assets per employee ($millions) | 4.2719% | 3,465 |
| Cash dividends to net income (ytd only)* | 13.8949% | 3,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0239% | 500 |
| Loan loss allowance to noncurrent loans | 127.6945% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.3422% | 1,045 |
| Noncurrent loans to loans | 1.5849% | 1,027 |
| Net loans and leases to total assets | 48.2910% | 4,704 |
| Net loans and leases to deposits | 58.4276% | 4,617 |
| Net loans and leases to core deposits | 62.9840% | 4,553 |
| Total domestic deposits to total assets | 82.6509% | 3,509 |
| Equity capital to assets | 15.8959% | 515 |
| Core capital (leverage) ratio | 15.8707% | 522 |
| Tier 1 risk-based capital ratio | 22.8178% | 952 |
| Total risk-based capital ratio | 24.0702% | 934 |
| Memoranda: |
| Average total assets | $264,272,330 | 2,390 |
| Average earning assets | $238,168,670 | 2,450 |
| Average equity | $42,145,670 | 1,782 |
| Average total loans | $133,019,000 | 2,875 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4886% | 1,904 |
| Cost of funding earning assets | 0.4931% | 2,846 |
| Net interest margin | 3.9955% | 1,738 |
| Noninterest income to average assets | 0.5061% | 2,764 |
| Noninterest expense to average assets | 2.8411% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0425% | 2,680 |
| Return on assets (ROA) | 1.0425% | 2,699 |
| Pretax return on assets | 1.2622% | 2,501 |
| Return on Equity (ROE) | 6.5263% | 3,972 |
| Retained earnings to average equity (ytd only) | 5.6061% | 2,897 |
| Net charge-offs to loans | 0.0298% | 1,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 83.3000% | 690 |
| Efficiency ratio | 69.2393% | 2,627 |
| Assets per employee ($millions) | 4.3408% | 3,413 |
| Cash dividends to net income (ytd only)* | 14.0988% | 2,520 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0334% | 503 |
| Loan loss allowance to noncurrent loans | 96.5058% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.6753% | 777 |
| Noncurrent loans to loans | 2.1070% | 735 |
| Net loans and leases to total assets | 48.7458% | 4,648 |
| Net loans and leases to deposits | 58.8091% | 4,550 |
| Net loans and leases to core deposits | 64.1510% | 4,415 |
| Total domestic deposits to total assets | 82.8882% | 3,705 |
| Equity capital to assets | 15.7987% | 521 |
| Core capital (leverage) ratio | 15.7967% | 514 |
| Tier 1 risk-based capital ratio | 22.4682% | 994 |
| Total risk-based capital ratio | 23.7202% | 975 |
| Memoranda: |
| Average total assets | $263,981,000 | 2,412 |
| Average earning assets | $237,668,500 | 2,472 |
| Average equity | $42,168,000 | 1,790 |
| Average total loans | $134,257,000 | 2,883 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6313% | 1,353 |
| Cost of funding earning assets | 0.4660% | 2,633 |
| Net interest margin | 4.1653% | 1,265 |
| Noninterest income to average assets | 0.4425% | 3,354 |
| Noninterest expense to average assets | 2.8229% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8260% | 3,053 |
| Return on assets (ROA) | 0.8331% | 3,053 |
| Pretax return on assets | 1.3092% | 2,311 |
| Return on Equity (ROE) | 5.1036% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.6123% | 3,097 |
| Net charge-offs to loans | 0.0447% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 55.9833% | 1,002 |
| Efficiency ratio | 68.5015% | 2,796 |
| Assets per employee ($millions) | 4.3143% | 3,461 |
| Cash dividends to net income (ytd only)* | 29.2208% | 3,333 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9662% | 572 |
| Loan loss allowance to noncurrent loans | 97.2162% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.7627% | 714 |
| Noncurrent loans to loans | 2.0225% | 753 |
| Net loans and leases to total assets | 50.9446% | 4,595 |
| Net loans and leases to deposits | 61.6810% | 4,479 |
| Net loans and leases to core deposits | 65.9276% | 4,419 |
| Total domestic deposits to total assets | 82.5936% | 3,700 |
| Equity capital to assets | 16.1502% | 494 |
| Core capital (leverage) ratio | 15.7358% | 508 |
| Tier 1 risk-based capital ratio | 24.4995% | 771 |
| Total risk-based capital ratio | 25.7560% | 752 |
| Memoranda: |
| Average total assets | $258,777,800 | 2,426 |
| Average earning assets | $228,531,800 | 2,510 |
| Average equity | $42,244,400 | 1,764 |
| Average total loans | $134,321,400 | 2,853 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6197% | 1,319 |
| Cost of funding earning assets | 0.4641% | 2,577 |
| Net interest margin | 4.1556% | 1,266 |
| Noninterest income to average assets | 0.5174% | 2,922 |
| Noninterest expense to average assets | 2.7724% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0245% | 2,447 |
| Return on assets (ROA) | 1.0261% | 2,483 |
| Pretax return on assets | 1.3981% | 2,125 |
| Return on Equity (ROE) | 6.2682% | 4,001 |
| Retained earnings to average equity (ytd only) | 5.3484% | 2,647 |
| Net charge-offs to loans | 0.0389% | 2,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 69.1777% | 901 |
| Efficiency ratio | 66.5094% | 3,119 |
| Assets per employee ($millions) | 4.2478% | 3,568 |
| Cash dividends to net income (ytd only)* | 14.6747% | 3,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0178% | 553 |
| Loan loss allowance to noncurrent loans | 110.0284% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.9540% | 678 |
| Noncurrent loans to loans | 1.8339% | 969 |
| Net loans and leases to total assets | 50.7875% | 4,656 |
| Net loans and leases to deposits | 61.9933% | 4,509 |
| Net loans and leases to core deposits | 66.3800% | 4,458 |
| Total domestic deposits to total assets | 81.9241% | 3,804 |
| Equity capital to assets | 16.7031% | 456 |
| Core capital (leverage) ratio | 16.1449% | 474 |
| Tier 1 risk-based capital ratio | 25.2907% | 725 |
| Total risk-based capital ratio | 26.5485% | 712 |
| Memoranda: |
| Average total assets | $257,678,750 | 2,451 |
| Average earning assets | $226,389,000 | 2,553 |
| Average equity | $42,179,750 | 1,779 |
| Average total loans | $133,711,250 | 2,885 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6394% | 1,178 |
| Cost of funding earning assets | 0.4620% | 2,485 |
| Net interest margin | 4.1774% | 1,129 |
| Noninterest income to average assets | 0.5233% | 2,874 |
| Noninterest expense to average assets | 2.8204% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9984% | 2,437 |
| Return on assets (ROA) | 0.9984% | 2,479 |
| Pretax return on assets | 1.3523% | 2,201 |
| Return on Equity (ROE) | 6.1416% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.2137% | 2,573 |
| Net charge-offs to loans | 0.0584% | 2,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 44.5897% | 1,165 |
| Efficiency ratio | 67.5922% | 3,081 |
| Assets per employee ($millions) | 4.0849% | 3,816 |
| Cash dividends to net income (ytd only)* | 15.1090% | 3,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9961% | 607 |
| Loan loss allowance to noncurrent loans | 156.6474% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.7226% | 820 |
| Noncurrent loans to loans | 1.2743% | 1,518 |
| Net loans and leases to total assets | 51.7012% | 4,597 |
| Net loans and leases to deposits | 62.9536% | 4,437 |
| Net loans and leases to core deposits | 67.6846% | 4,367 |
| Total domestic deposits to total assets | 82.1259% | 3,854 |
| Equity capital to assets | 16.6279% | 450 |
| Core capital (leverage) ratio | 16.0086% | 477 |
| Tier 1 risk-based capital ratio | 24.9563% | 752 |
| Total risk-based capital ratio | 26.2140% | 735 |
| Memoranda: |
| Average total assets | $257,200,670 | 2,466 |
| Average earning assets | $224,683,000 | 2,582 |
| Average equity | $41,813,000 | 1,789 |
| Average total loans | $133,512,670 | 2,891 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5249% | 1,317 |
| Cost of funding earning assets | 0.4626% | 2,407 |
| Net interest margin | 4.0623% | 1,316 |
| Noninterest income to average assets | 0.4978% | 2,994 |
| Noninterest expense to average assets | 2.8297% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8929% | 2,799 |
| Return on assets (ROA) | 0.8929% | 2,845 |
| Pretax return on assets | 1.1792% | 2,684 |
| Return on Equity (ROE) | 5.5562% | 4,115 |
| Retained earnings to average equity (ytd only) | 4.6172% | 3,110 |
| Net charge-offs to loans | 0.0091% | 2,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 252.6667% | 229 |
| Efficiency ratio | 70.5860% | 2,804 |
| Assets per employee ($millions) | 4.1109% | 3,820 |
| Cash dividends to net income (ytd only)* | 16.8990% | 2,591 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0832% | 573 |
| Loan loss allowance to noncurrent loans | 128.3178% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 691 |
| Noncurrent loans to loans | 1.6235% | 1,200 |
| Net loans and leases to total assets | 49.8353% | 4,688 |
| Net loans and leases to deposits | 61.0707% | 4,492 |
| Net loans and leases to core deposits | 64.4364% | 4,514 |
| Total domestic deposits to total assets | 81.6027% | 4,276 |
| Equity capital to assets | 16.0926% | 481 |
| Core capital (leverage) ratio | 15.6871% | 505 |
| Tier 1 risk-based capital ratio | 24.7782% | 794 |
| Total risk-based capital ratio | 26.0368% | 778 |
| Memoranda: |
| Average total assets | $257,126,000 | 2,486 |
| Average earning assets | $222,238,000 | 2,625 |
| Average equity | $41,323,500 | 1,804 |
| Average total loans | $132,387,500 | 2,928 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6301% | 1,209 |
| Cost of funding earning assets | 0.4718% | 2,337 |
| Net interest margin | 4.1583% | 1,220 |
| Noninterest income to average assets | 0.5741% | 2,791 |
| Noninterest expense to average assets | 2.8719% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0186% | 2,271 |
| Return on assets (ROA) | 1.0386% | 2,290 |
| Pretax return on assets | 1.3594% | 2,066 |
| Return on Equity (ROE) | 6.3337% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.8667% | 2,435 |
| Net charge-offs to loans | 0.1176% | 2,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.2215% | 1,805 |
| Efficiency ratio | 68.2961% | 3,187 |
| Assets per employee ($millions) | 3.9885% | 3,987 |
| Cash dividends to net income (ytd only)* | 23.1623% | 3,599 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0675% | 578 |
| Loan loss allowance to noncurrent loans | 142.5091% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.9129% | 742 |
| Noncurrent loans to loans | 1.4508% | 1,398 |
| Net loans and leases to total assets | 51.0109% | 4,687 |
| Net loans and leases to deposits | 62.5130% | 4,507 |
| Net loans and leases to core deposits | 66.1529% | 4,518 |
| Total domestic deposits to total assets | 81.6005% | 4,179 |
| Equity capital to assets | 16.0497% | 494 |
| Core capital (leverage) ratio | 15.5298% | 526 |
| Tier 1 risk-based capital ratio | 24.5963% | 804 |
| Total risk-based capital ratio | 25.8585% | 790 |
| Memoranda: |
| Average total assets | $251,504,200 | 2,493 |
| Average earning assets | $219,606,600 | 2,606 |
| Average equity | $41,239,600 | 1,792 |
| Average total loans | $134,337,800 | 2,861 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6228% | 1,248 |
| Cost of funding earning assets | 0.4720% | 2,344 |
| Net interest margin | 4.1508% | 1,253 |
| Noninterest income to average assets | 0.5699% | 2,815 |
| Noninterest expense to average assets | 2.8745% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0312% | 2,287 |
| Return on assets (ROA) | 1.0579% | 2,286 |
| Pretax return on assets | 1.3851% | 2,101 |
| Return on Equity (ROE) | 6.4168% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.4775% | 2,494 |
| Net charge-offs to loans | 0.1534% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.3679% | 2,114 |
| Efficiency ratio | 68.0438% | 3,218 |
| Assets per employee ($millions) | 4.0364% | 3,905 |
| Cash dividends to net income (ytd only)* | 14.6378% | 3,426 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0003% | 728 |
| Loan loss allowance to noncurrent loans | 118.5696% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 2.0351% | 764 |
| Noncurrent loans to loans | 1.6870% | 1,248 |
| Net loans and leases to total assets | 53.8764% | 4,500 |
| Net loans and leases to deposits | 66.8949% | 4,254 |
| Net loans and leases to core deposits | 71.4274% | 4,213 |
| Total domestic deposits to total assets | 80.5389% | 4,378 |
| Equity capital to assets | 16.9066% | 441 |
| Core capital (leverage) ratio | 15.8618% | 500 |
| Tier 1 risk-based capital ratio | 25.0945% | 806 |
| Total risk-based capital ratio | 26.3549% | 788 |
| Memoranda: |
| Average total assets | $250,564,500 | 2,505 |
| Average earning assets | $220,611,250 | 2,604 |
| Average equity | $41,307,250 | 1,806 |
| Average total loans | $134,682,000 | 2,852 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6001% | 1,264 |
| Cost of funding earning assets | 0.4715% | 2,357 |
| Net interest margin | 4.1286% | 1,298 |
| Noninterest income to average assets | 0.5689% | 2,800 |
| Noninterest expense to average assets | 2.8277% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0516% | 2,162 |
| Return on assets (ROA) | 1.0795% | 2,173 |
| Pretax return on assets | 1.4178% | 1,959 |
| Return on Equity (ROE) | 6.6043% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.6574% | 2,332 |
| Net charge-offs to loans | -0.0613% | 5,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1848% | 3,505 |
| Assets per employee ($millions) | 3.9462% | 4,002 |
| Cash dividends to net income (ytd only)* | 14.3385% | 3,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1969% | 547 |
| Loan loss allowance to noncurrent loans | 119.3522% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 2.0344% | 806 |
| Noncurrent loans to loans | 1.8406% | 1,110 |
| Net loans and leases to total assets | 51.9667% | 4,678 |
| Net loans and leases to deposits | 64.0649% | 4,486 |
| Net loans and leases to core deposits | 69.0765% | 4,400 |
| Total domestic deposits to total assets | 81.1157% | 4,239 |
| Equity capital to assets | 16.5378% | 482 |
| Core capital (leverage) ratio | 15.6474% | 505 |
| Tier 1 risk-based capital ratio | 25.0343% | 807 |
| Total risk-based capital ratio | 26.2962% | 795 |
| Memoranda: |
| Average total assets | $250,666,670 | 2,526 |
| Average earning assets | $220,993,670 | 2,602 |
| Average equity | $40,973,000 | 1,814 |
| Average total loans | $133,715,330 | 2,875 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5773% | 1,320 |
| Cost of funding earning assets | 0.4717% | 2,356 |
| Net interest margin | 4.1056% | 1,328 |
| Noninterest income to average assets | 0.5526% | 2,791 |
| Noninterest expense to average assets | 2.8159% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0460% | 2,099 |
| Return on assets (ROA) | 1.0460% | 2,210 |
| Pretax return on assets | 1.3615% | 2,036 |
| Return on Equity (ROE) | 6.4373% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.4811% | 2,666 |
| Net charge-offs to loans | 0.0839% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 30.3571% | 1,175 |
| Efficiency ratio | 67.4080% | 3,556 |
| Assets per employee ($millions) | 4.2367% | 3,521 |
| Cash dividends to net income (ytd only)* | 14.8545% | 2,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1719% | 613 |
| Loan loss allowance to noncurrent loans | 106.6691% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 2.1939% | 754 |
| Noncurrent loans to loans | 2.0361% | 1,043 |
| Net loans and leases to total assets | 51.8789% | 4,637 |
| Net loans and leases to deposits | 63.8476% | 4,455 |
| Net loans and leases to core deposits | 68.2726% | 4,374 |
| Total domestic deposits to total assets | 81.2542% | 4,418 |
| Equity capital to assets | 16.4363% | 486 |
| Core capital (leverage) ratio | 15.3377% | 555 |
| Tier 1 risk-based capital ratio | 25.0738% | 802 |
| Total risk-based capital ratio | 26.3361% | 785 |
| Memoranda: |
| Average total assets | $249,723,000 | 2,542 |
| Average earning assets | $220,480,000 | 2,615 |
| Average equity | $40,576,000 | 1,822 |
| Average total loans | $133,477,000 | 2,881 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4540% | 1,731 |
| Cost of funding earning assets | 0.4853% | 2,307 |
| Net interest margin | 3.9686% | 1,814 |
| Noninterest income to average assets | 0.4843% | 3,440 |
| Noninterest expense to average assets | 2.7826% | 3,311 |
| Loan and lease loss provision to assets | 0.0707% | 2,866 |
| Net operating income to assets | 0.8845% | 2,956 |
| Return on assets (ROA) | 0.8927% | 2,994 |
| Pretax return on assets | 1.1162% | 2,978 |
| Return on Equity (ROE) | 5.3900% | 4,331 |
| Retained earnings to average equity (ytd only) | -11.4083% | 6,056 |
| Net charge-offs to loans | 0.2003% | 1,460 |
| Credit loss provision to net charge-offs | 70.8661% | 3,113 |
| Earnings coverage of net charge-offs (x) | 11.7953% | 2,525 |
| Efficiency ratio | 70.2807% | 3,178 |
| Assets per employee ($millions) | 3.9600% | 4,015 |
| Cash dividends to net income (ytd only)* | 311.6586% | 44 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1630% | 626 |
| Loan loss allowance to noncurrent loans | 101.8927% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.2831% | 716 |
| Noncurrent loans to loans | 2.1228% | 960 |
| Net loans and leases to total assets | 52.7050% | 4,637 |
| Net loans and leases to deposits | 65.8779% | 4,325 |
| Net loans and leases to core deposits | 70.4133% | 4,275 |
| Total domestic deposits to total assets | 80.0041% | 4,741 |
| Equity capital to assets | 16.0601% | 515 |
| Core capital (leverage) ratio | 15.1666% | 588 |
| Tier 1 risk-based capital ratio | 24.3893% | 877 |
| Total risk-based capital ratio | 25.6547% | 857 |
| Memoranda: |
| Average total assets | $254,619,600 | 2,473 |
| Average earning assets | $222,947,400 | 2,559 |
| Average equity | $42,171,000 | 1,726 |
| Average total loans | $126,821,200 | 2,939 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4174% | 1,867 |
| Cost of funding earning assets | 0.4865% | 2,351 |
| Net interest margin | 3.9308% | 1,928 |
| Noninterest income to average assets | 0.4939% | 3,411 |
| Noninterest expense to average assets | 2.7275% | 3,469 |
| Loan and lease loss provision to assets | 0.0782% | 2,615 |
| Net operating income to assets | 0.8960% | 2,980 |
| Return on assets (ROA) | 0.9014% | 3,040 |
| Pretax return on assets | 1.1343% | 3,082 |
| Return on Equity (ROE) | 5.4023% | 4,448 |
| Retained earnings to average equity (ytd only) | -15.8165% | 6,181 |
| Net charge-offs to loans | 0.0598% | 2,748 |
| Credit loss provision to net charge-offs | 267.8571% | 1,075 |
| Earnings coverage of net charge-offs (x) | 41.3241% | 1,215 |
| Efficiency ratio | 69.3469% | 3,320 |
| Assets per employee ($millions) | 3.9406% | 3,994 |
| Cash dividends to net income (ytd only)* | 392.7742% | 27 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4063% | 497 |
| Loan loss allowance to noncurrent loans | 92.7322% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 2.5377% | 676 |
| Noncurrent loans to loans | 2.5949% | 767 |
| Net loans and leases to total assets | 50.2358% | 4,912 |
| Net loans and leases to deposits | 62.4242% | 4,685 |
| Net loans and leases to core deposits | 66.5101% | 4,652 |
| Total domestic deposits to total assets | 80.4749% | 4,612 |
| Equity capital to assets | 16.1604% | 540 |
| Core capital (leverage) ratio | 15.0562% | 629 |
| Tier 1 risk-based capital ratio | 25.1287% | 843 |
| Total risk-based capital ratio | 26.3959% | 828 |
| Memoranda: |
| Average total assets | $255,904,250 | 2,477 |
| Average earning assets | $223,898,750 | 2,577 |
| Average equity | $42,697,000 | 1,725 |
| Average total loans | $124,927,500 | 2,998 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3162% | 2,119 |
| Cost of funding earning assets | 0.4850% | 2,389 |
| Net interest margin | 3.8312% | 2,199 |
| Noninterest income to average assets | 0.4728% | 3,543 |
| Noninterest expense to average assets | 2.7061% | 3,574 |
| Loan and lease loss provision to assets | 0.0929% | 2,267 |
| Net operating income to assets | 0.8218% | 3,272 |
| Return on assets (ROA) | 0.8381% | 3,294 |
| Pretax return on assets | 1.0377% | 3,427 |
| Return on Equity (ROE) | 4.9729% | 4,627 |
| Retained earnings to average equity (ytd only) | -25.7827% | 6,289 |
| Net charge-offs to loans | 0.0807% | 2,248 |
| Credit loss provision to net charge-offs | 240.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | 28.7000% | 1,404 |
| Efficiency ratio | 70.9043% | 3,180 |
| Assets per employee ($millions) | 4.1212% | 3,638 |
| Cash dividends to net income (ytd only)* | 618.4672% | 15 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4236% | 531 |
| Loan loss allowance to noncurrent loans | 96.7947% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 2.5196% | 748 |
| Noncurrent loans to loans | 2.5039% | 889 |
| Net loans and leases to total assets | 48.8454% | 5,025 |
| Net loans and leases to deposits | 60.4477% | 4,817 |
| Net loans and leases to core deposits | 64.7422% | 4,756 |
| Total domestic deposits to total assets | 80.8061% | 4,666 |
| Equity capital to assets | 15.5808% | 590 |
| Core capital (leverage) ratio | 14.5280% | 706 |
| Tier 1 risk-based capital ratio | 24.4220% | 915 |
| Total risk-based capital ratio | 25.6897% | 899 |
| Memoranda: |
| Average total assets | $258,454,000 | 2,468 |
| Average earning assets | $225,570,330 | 2,580 |
| Average equity | $43,556,330 | 1,708 |
| Average total loans | $123,974,000 | 3,021 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2866% | 2,139 |
| Cost of funding earning assets | 0.4841% | 2,426 |
| Net interest margin | 3.8025% | 2,228 |
| Noninterest income to average assets | 0.4825% | 3,404 |
| Noninterest expense to average assets | 2.6292% | 3,828 |
| Loan and lease loss provision to assets | 0.0916% | 2,168 |
| Net operating income to assets | 0.8306% | 3,110 |
| Return on assets (ROA) | 0.8306% | 3,237 |
| Pretax return on assets | 1.0596% | 3,265 |
| Return on Equity (ROE) | 4.7563% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.9956% | 3,604 |
| Net charge-offs to loans | 0.1983% | 1,142 |
| Credit loss provision to net charge-offs | 98.3607% | 1,681 |
| Earnings coverage of net charge-offs (x) | 12.3607% | 1,803 |
| Efficiency ratio | 69.5477% | 3,570 |
| Assets per employee ($millions) | 4.3843% | 3,225 |
| Cash dividends to net income (ytd only)* | 15.9926% | 2,631 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4394% | 580 |
| Loan loss allowance to noncurrent loans | 80.9563% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 2.7876% | 712 |
| Noncurrent loans to loans | 3.0132% | 718 |
| Net loans and leases to total assets | 45.3064% | 5,249 |
| Net loans and leases to deposits | 57.8669% | 4,929 |
| Net loans and leases to core deposits | 61.2065% | 4,893 |
| Total domestic deposits to total assets | 78.2941% | 5,396 |
| Equity capital to assets | 17.5957% | 368 |
| Core capital (leverage) ratio | 16.5688% | 410 |
| Tier 1 risk-based capital ratio | 28.9768% | 597 |
| Total risk-based capital ratio | 29.6996% | 614 |
| Memoranda: |
| Average total assets | $261,984,500 | 2,456 |
| Average earning assets | $227,218,500 | 2,580 |
| Average equity | $45,750,000 | 1,633 |
| Average total loans | $123,039,000 | 3,035 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3629% | 2,359 |
| Cost of funding earning assets | 0.5375% | 2,310 |
| Net interest margin | 3.8253% | 2,528 |
| Noninterest income to average assets | 0.7614% | 2,030 |
| Noninterest expense to average assets | 2.7168% | 3,807 |
| Loan and lease loss provision to assets | 0.3842% | 477 |
| Net operating income to assets | 0.8977% | 2,885 |
| Return on assets (ROA) | 0.9546% | 2,685 |
| Pretax return on assets | 1.0530% | 3,288 |
| Return on Equity (ROE) | 5.6827% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.2077% | 3,202 |
| Net charge-offs to loans | 1.0154% | 292 |
| Credit loss provision to net charge-offs | 79.3021% | 2,881 |
| Earnings coverage of net charge-offs (x) | 2.8374% | 4,048 |
| Efficiency ratio | 66.4038% | 4,183 |
| Assets per employee ($millions) | 4.1414% | 3,646 |
| Cash dividends to net income (ytd only)* | 25.9557% | 3,566 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4057% | 620 |
| Loan loss allowance to noncurrent loans | 73.1354% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 3.0880% | 641 |
| Noncurrent loans to loans | 3.2893% | 650 |
| Net loans and leases to total assets | 46.3511% | 5,298 |
| Net loans and leases to deposits | 59.6024% | 4,937 |
| Net loans and leases to core deposits | 63.1590% | 4,903 |
| Total domestic deposits to total assets | 77.7671% | 5,478 |
| Equity capital to assets | 17.3289% | 387 |
| Core capital (leverage) ratio | 17.0562% | 364 |
| Tier 1 risk-based capital ratio | 28.9745% | 568 |
| Total risk-based capital ratio | 30.2332% | 548 |
| Memoranda: |
| Average total assets | $260,306,800 | 2,426 |
| Average earning assets | $226,594,600 | 2,556 |
| Average equity | $43,729,000 | 1,652 |
| Average total loans | $124,187,800 | 2,967 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3521% | 2,413 |
| Cost of funding earning assets | 0.5436% | 2,344 |
| Net interest margin | 3.8086% | 2,587 |
| Noninterest income to average assets | 0.5299% | 3,323 |
| Noninterest expense to average assets | 2.7096% | 3,796 |
| Loan and lease loss provision to assets | 0.1486% | 1,684 |
| Net operating income to assets | 0.7803% | 3,510 |
| Return on assets (ROA) | 0.8195% | 3,438 |
| Pretax return on assets | 1.0470% | 3,395 |
| Return on Equity (ROE) | 4.9171% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.5610% | 4,114 |
| Net charge-offs to loans | 0.9990% | 304 |
| Credit loss provision to net charge-offs | 31.1493% | 3,440 |
| Earnings coverage of net charge-offs (x) | 2.4007% | 3,921 |
| Efficiency ratio | 70.2872% | 3,461 |
| Assets per employee ($millions) | 4.1541% | 3,557 |
| Cash dividends to net income (ytd only)* | 27.5799% | 2,911 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1301% | 1,045 |
| Loan loss allowance to noncurrent loans | 73.5577% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 3.0953% | 743 |
| Noncurrent loans to loans | 2.8958% | 935 |
| Net loans and leases to total assets | 46.4000% | 5,339 |
| Net loans and leases to deposits | 59.8459% | 4,955 |
| Net loans and leases to core deposits | 63.7268% | 4,901 |
| Total domestic deposits to total assets | 77.5325% | 5,601 |
| Equity capital to assets | 17.1727% | 406 |
| Core capital (leverage) ratio | 16.6826% | 404 |
| Tier 1 risk-based capital ratio | 29.0185% | 579 |
| Total risk-based capital ratio | 30.2749% | 569 |
| Memoranda: |
| Average total assets | $260,155,750 | 2,448 |
| Average earning assets | $227,132,250 | 2,564 |
| Average equity | $43,358,000 | 1,665 |
| Average total loans | $124,255,750 | 2,987 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3585% | 2,347 |
| Cost of funding earning assets | 0.5461% | 2,381 |
| Net interest margin | 3.8124% | 2,523 |
| Noninterest income to average assets | 0.5164% | 3,364 |
| Noninterest expense to average assets | 2.6925% | 3,897 |
| Loan and lease loss provision to assets | 0.0690% | 2,891 |
| Net operating income to assets | 0.8436% | 3,111 |
| Return on assets (ROA) | 0.8436% | 3,209 |
| Pretax return on assets | 1.0873% | 3,149 |
| Return on Equity (ROE) | 5.1129% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.3002% | 3,436 |
| Net charge-offs to loans | 0.9570% | 371 |
| Credit loss provision to net charge-offs | 15.0502% | 3,255 |
| Earnings coverage of net charge-offs (x) | 2.5234% | 3,531 |
| Efficiency ratio | 69.9582% | 3,668 |
| Assets per employee ($millions) | 4.1284% | 3,588 |
| Cash dividends to net income (ytd only)* | 15.8946% | 3,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2213% | 993 |
| Loan loss allowance to noncurrent loans | 68.7453% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.9528% | 866 |
| Noncurrent loans to loans | 3.2312% | 874 |
| Net loans and leases to total assets | 46.2721% | 5,336 |
| Net loans and leases to deposits | 59.3419% | 4,921 |
| Net loans and leases to core deposits | 62.9799% | 4,901 |
| Total domestic deposits to total assets | 77.9753% | 5,634 |
| Equity capital to assets | 16.8972% | 427 |
| Core capital (leverage) ratio | 16.5848% | 402 |
| Tier 1 risk-based capital ratio | 28.4819% | 614 |
| Total risk-based capital ratio | 29.7388% | 600 |
| Memoranda: |
| Average total assets | $261,023,000 | 2,448 |
| Average earning assets | $228,150,000 | 2,566 |
| Average equity | $43,067,670 | 1,660 |
| Average total loans | $124,972,330 | 2,971 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3500% | 2,331 |
| Cost of funding earning assets | 0.5524% | 2,402 |
| Net interest margin | 3.7976% | 2,481 |
| Noninterest income to average assets | 0.5247% | 3,231 |
| Noninterest expense to average assets | 2.6754% | 4,019 |
| Loan and lease loss provision to assets | 0.0459% | 3,180 |
| Net operating income to assets | 0.8796% | 2,748 |
| Return on assets (ROA) | 0.8796% | 2,814 |
| Pretax return on assets | 1.1473% | 2,709 |
| Return on Equity (ROE) | 5.3956% | 4,336 |
| Retained earnings to average equity (ytd only) | 4.5698% | 3,381 |
| Net charge-offs to loans | 0.6131% | 605 |
| Credit loss provision to net charge-offs | 15.5440% | 2,553 |
| Earnings coverage of net charge-offs (x) | 4.0415% | 2,577 |
| Efficiency ratio | 69.1578% | 3,973 |
| Assets per employee ($millions) | 4.4046% | 3,143 |
| Cash dividends to net income (ytd only)* | 15.3043% | 2,602 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4849% | 818 |
| Loan loss allowance to noncurrent loans | 70.6841% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.9931% | 956 |
| Noncurrent loans to loans | 3.5156% | 826 |
| Net loans and leases to total assets | 45.7198% | 5,356 |
| Net loans and leases to deposits | 58.0210% | 4,941 |
| Net loans and leases to core deposits | 61.4839% | 4,926 |
| Total domestic deposits to total assets | 78.7988% | 5,717 |
| Equity capital to assets | 16.3208% | 479 |
| Core capital (leverage) ratio | 16.4736% | 423 |
| Tier 1 risk-based capital ratio | 26.0145% | 793 |
| Total risk-based capital ratio | 27.2723% | 775 |
| Memoranda: |
| Average total assets | $261,489,500 | 2,444 |
| Average earning assets | $230,251,000 | 2,552 |
| Average equity | $42,627,500 | 1,673 |
| Average total loans | $125,917,000 | 2,950 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5042% | 2,186 |
| Cost of funding earning assets | 0.7770% | 1,336 |
| Net interest margin | 3.7272% | 2,950 |
| Noninterest income to average assets | 0.4669% | 3,984 |
| Noninterest expense to average assets | 2.6814% | 4,157 |
| Loan and lease loss provision to assets | 0.1674% | 2,184 |
| Net operating income to assets | 0.7239% | 3,680 |
| Return on assets (ROA) | 0.7224% | 3,781 |
| Pretax return on assets | 0.8887% | 3,814 |
| Return on Equity (ROE) | 4.5608% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.9385% | 3,400 |
| Net charge-offs to loans | 0.6046% | 1,084 |
| Credit loss provision to net charge-offs | 57.6923% | 3,637 |
| Earnings coverage of net charge-offs (x) | 3.6462% | 3,798 |
| Efficiency ratio | 71.7071% | 3,535 |
| Assets per employee ($millions) | 4.3117% | 3,246 |
| Cash dividends to net income (ytd only)* | 13.6457% | 3,923 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5342% | 795 |
| Loan loss allowance to noncurrent loans | 66.9143% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 3.2934% | 916 |
| Noncurrent loans to loans | 3.7873% | 783 |
| Net loans and leases to total assets | 48.1968% | 5,277 |
| Net loans and leases to deposits | 61.8507% | 4,739 |
| Net loans and leases to core deposits | 65.1296% | 4,766 |
| Total domestic deposits to total assets | 77.9244% | 5,840 |
| Equity capital to assets | 16.2824% | 486 |
| Core capital (leverage) ratio | 16.3093% | 437 |
| Tier 1 risk-based capital ratio | 26.2706% | 751 |
| Total risk-based capital ratio | 27.5299% | 727 |
| Memoranda: |
| Average total assets | $268,814,200 | 2,359 |
| Average earning assets | $236,023,200 | 2,458 |
| Average equity | $42,579,800 | 1,650 |
| Average total loans | $129,016,000 | 2,879 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4824% | 2,300 |
| Cost of funding earning assets | 0.8345% | 1,127 |
| Net interest margin | 3.6479% | 3,242 |
| Noninterest income to average assets | 0.4648% | 4,038 |
| Noninterest expense to average assets | 2.6161% | 4,336 |
| Loan and lease loss provision to assets | 0.1843% | 1,974 |
| Net operating income to assets | 0.7007% | 3,858 |
| Return on assets (ROA) | 0.6987% | 3,999 |
| Pretax return on assets | 0.8624% | 4,040 |
| Return on Equity (ROE) | 4.4408% | 5,005 |
| Retained earnings to average equity (ytd only) | 4.0723% | 3,792 |
| Net charge-offs to loans | 0.7961% | 741 |
| Credit loss provision to net charge-offs | 48.5751% | 3,542 |
| Earnings coverage of net charge-offs (x) | 2.7655% | 3,914 |
| Efficiency ratio | 71.3769% | 3,537 |
| Assets per employee ($millions) | 4.3249% | 3,175 |
| Cash dividends to net income (ytd only)* | 8.2982% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4656% | 969 |
| Loan loss allowance to noncurrent loans | 64.0767% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 3.5284% | 961 |
| Noncurrent loans to loans | 3.8478% | 932 |
| Net loans and leases to total assets | 48.4011% | 5,305 |
| Net loans and leases to deposits | 62.3435% | 4,708 |
| Net loans and leases to core deposits | 66.2061% | 4,695 |
| Total domestic deposits to total assets | 77.6363% | 5,955 |
| Equity capital to assets | 16.1902% | 519 |
| Core capital (leverage) ratio | 16.0160% | 487 |
| Tier 1 risk-based capital ratio | 25.9934% | 789 |
| Total risk-based capital ratio | 26.6977% | 822 |
| Memoranda: |
| Average total assets | $271,342,250 | 2,350 |
| Average earning assets | $238,049,500 | 2,457 |
| Average equity | $42,694,000 | 1,651 |
| Average total loans | $129,288,000 | 2,898 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4375% | 2,428 |
| Cost of funding earning assets | 0.9120% | 844 |
| Net interest margin | 3.5255% | 3,675 |
| Noninterest income to average assets | 0.4664% | 4,047 |
| Noninterest expense to average assets | 2.7317% | 3,921 |
| Loan and lease loss provision to assets | 0.2180% | 1,740 |
| Net operating income to assets | 0.5423% | 4,590 |
| Return on assets (ROA) | 0.5391% | 4,783 |
| Pretax return on assets | 0.6081% | 4,987 |
| Return on Equity (ROE) | 3.4575% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.1779% | 4,292 |
| Net charge-offs to loans | 0.8790% | 715 |
| Credit loss provision to net charge-offs | 52.7241% | 3,164 |
| Earnings coverage of net charge-offs (x) | 2.0070% | 3,846 |
| Efficiency ratio | 76.7034% | 2,682 |
| Assets per employee ($millions) | 4.3702% | 3,055 |
| Cash dividends to net income (ytd only)* | 8.0863% | 3,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5992% | 883 |
| Loan loss allowance to noncurrent loans | 61.1327% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 3.8000% | 959 |
| Noncurrent loans to loans | 4.2517% | 869 |
| Net loans and leases to total assets | 47.2044% | 5,406 |
| Net loans and leases to deposits | 59.3071% | 5,041 |
| Net loans and leases to core deposits | 63.5451% | 4,944 |
| Total domestic deposits to total assets | 79.5932% | 5,693 |
| Equity capital to assets | 15.9360% | 532 |
| Core capital (leverage) ratio | 15.4119% | 543 |
| Tier 1 risk-based capital ratio | 25.2953% | 842 |
| Total risk-based capital ratio | 26.0541% | 881 |
| Memoranda: |
| Average total assets | $275,291,000 | 2,321 |
| Average earning assets | $241,667,000 | 2,434 |
| Average equity | $42,921,000 | 1,648 |
| Average total loans | $129,459,330 | 2,889 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4024% | 2,514 |
| Cost of funding earning assets | 1.0831% | 407 |
| Net interest margin | 3.3193% | 4,443 |
| Noninterest income to average assets | 0.4414% | 4,171 |
| Noninterest expense to average assets | 2.6087% | 4,376 |
| Loan and lease loss provision to assets | 0.2129% | 1,741 |
| Net operating income to assets | 0.4705% | 4,817 |
| Return on assets (ROA) | 0.4641% | 5,017 |
| Pretax return on assets | 0.5138% | 5,213 |
| Return on Equity (ROE) | 3.0077% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.7226% | 4,653 |
| Net charge-offs to loans | 1.1297% | 528 |
| Credit loss provision to net charge-offs | 40.6504% | 2,738 |
| Earnings coverage of net charge-offs (x) | 1.4011% | 3,365 |
| Efficiency ratio | 78.0467% | 2,602 |
| Assets per employee ($millions) | 4.5566% | 2,867 |
| Cash dividends to net income (ytd only)* | 9.4801% | 2,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6021% | 1,009 |
| Loan loss allowance to noncurrent loans | 54.6804% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.8692% | 1,056 |
| Noncurrent loans to loans | 4.7588% | 832 |
| Net loans and leases to total assets | 45.9061% | 5,446 |
| Net loans and leases to deposits | 57.2221% | 5,114 |
| Net loans and leases to core deposits | 60.9841% | 5,059 |
| Total domestic deposits to total assets | 80.2244% | 5,704 |
| Equity capital to assets | 15.9145% | 570 |
| Core capital (leverage) ratio | 14.2878% | 718 |
| Tier 1 risk-based capital ratio | 24.4805% | 959 |
| Total risk-based capital ratio | 25.2225% | 1,000 |
| Memoranda: |
| Average total assets | $281,831,000 | 2,305 |
| Average earning assets | $246,319,500 | 2,411 |
| Average equity | $43,488,500 | 1,637 |
| Average total loans | $130,650,000 | 2,882 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7075% | 2,562 |
| Cost of funding earning assets | 1.4590% | 199 |
| Net interest margin | 3.2485% | 5,433 |
| Noninterest income to average assets | 0.3329% | 5,071 |
| Noninterest expense to average assets | 2.4488% | 5,257 |
| Loan and lease loss provision to assets | 0.3704% | 1,769 |
| Net operating income to assets | 0.3563% | 5,268 |
| Return on assets (ROA) | 0.4089% | 5,318 |
| Pretax return on assets | 0.4042% | 5,566 |
| Return on Equity (ROE) | 2.8825% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.8188% | 4,254 |
| Net charge-offs to loans | 1.5459% | 568 |
| Credit loss provision to net charge-offs | 52.1698% | 4,638 |
| Earnings coverage of net charge-offs (x) | 1.0170% | 4,961 |
| Efficiency ratio | 77.2286% | 2,557 |
| Assets per employee ($millions) | 4.8378% | 2,436 |
| Cash dividends to net income (ytd only)* | 2.2113% | 4,268 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6970% | 924 |
| Loan loss allowance to noncurrent loans | 57.9964% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 4.0638% | 1,049 |
| Noncurrent loans to loans | 4.6503% | 902 |
| Net loans and leases to total assets | 44.3971% | 5,782 |
| Net loans and leases to deposits | 54.6886% | 5,587 |
| Net loans and leases to core deposits | 62.4203% | 5,112 |
| Total domestic deposits to total assets | 81.1816% | 5,348 |
| Equity capital to assets | 14.9751% | 740 |
| Core capital (leverage) ratio | 13.9292% | 824 |
| Tier 1 risk-based capital ratio | 23.1591% | 1,089 |
| Total risk-based capital ratio | 24.4190% | 1,074 |
| Memoranda: |
| Average total assets | $298,595,400 | 2,148 |
| Average earning assets | $260,859,000 | 2,228 |
| Average equity | $42,358,400 | 1,644 |
| Average total loans | $137,138,800 | 2,755 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7406% | 2,620 |
| Cost of funding earning assets | 1.5081% | 193 |
| Net interest margin | 3.2325% | 5,605 |
| Noninterest income to average assets | 0.3104% | 5,304 |
| Noninterest expense to average assets | 2.4229% | 5,333 |
| Loan and lease loss provision to assets | 0.4904% | 1,260 |
| Net operating income to assets | 0.2395% | 5,810 |
| Return on assets (ROA) | 0.3091% | 5,790 |
| Pretax return on assets | 0.2953% | 5,964 |
| Return on Equity (ROE) | 2.2084% | 5,972 |
| Retained earnings to average equity (ytd only) | 2.2084% | 5,232 |
| Net charge-offs to loans | 1.4999% | 572 |
| Credit loss provision to net charge-offs | 71.0797% | 3,878 |
| Earnings coverage of net charge-offs (x) | 1.0379% | 4,794 |
| Efficiency ratio | 77.1860% | 2,497 |
| Assets per employee ($millions) | 4.8709% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1173% | 647 |
| Loan loss allowance to noncurrent loans | 55.3015% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 4.5321% | 1,017 |
| Noncurrent loans to loans | 5.6369% | 753 |
| Net loans and leases to total assets | 43.9841% | 5,972 |
| Net loans and leases to deposits | 54.0735% | 5,804 |
| Net loans and leases to core deposits | 62.5701% | 5,302 |
| Total domestic deposits to total assets | 81.3414% | 5,252 |
| Equity capital to assets | 14.7127% | 902 |
| Core capital (leverage) ratio | 13.5918% | 982 |
| Tier 1 risk-based capital ratio | 22.7085% | 1,219 |
| Total risk-based capital ratio | 23.7802% | 1,221 |
| Memoranda: |
| Average total assets | $300,677,000 | 2,153 |
| Average earning assets | $263,112,250 | 2,233 |
| Average equity | $42,081,000 | 1,669 |
| Average total loans | $138,312,750 | 2,768 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7739% | 2,612 |
| Cost of funding earning assets | 1.5523% | 188 |
| Net interest margin | 3.2216% | 5,671 |
| Noninterest income to average assets | 0.4027% | 4,632 |
| Noninterest expense to average assets | 2.6070% | 4,752 |
| Loan and lease loss provision to assets | 0.5476% | 1,125 |
| Net operating income to assets | 0.1338% | 6,084 |
| Return on assets (ROA) | 0.2135% | 6,064 |
| Pretax return on assets | 0.1397% | 6,238 |
| Return on Equity (ROE) | 1.5512% | 6,181 |
| Retained earnings to average equity (ytd only) | 1.5512% | 5,430 |
| Net charge-offs to loans | 1.5664% | 610 |
| Credit loss provision to net charge-offs | 75.6831% | 3,440 |
| Earnings coverage of net charge-offs (x) | 0.8397% | 4,639 |
| Efficiency ratio | 81.0988% | 2,014 |
| Assets per employee ($millions) | 4.9881% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1905% | 646 |
| Loan loss allowance to noncurrent loans | 48.5827% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 5.1937% | 897 |
| Noncurrent loans to loans | 6.5672% | 633 |
| Net loans and leases to total assets | 43.7877% | 6,036 |
| Net loans and leases to deposits | 53.3874% | 5,921 |
| Net loans and leases to core deposits | 61.1831% | 5,476 |
| Total domestic deposits to total assets | 82.0188% | 5,124 |
| Equity capital to assets | 14.1477% | 1,035 |
| Core capital (leverage) ratio | 13.2297% | 1,082 |
| Tier 1 risk-based capital ratio | 21.7140% | 1,347 |
| Total risk-based capital ratio | 22.8047% | 1,353 |
| Memoranda: |
| Average total assets | $303,485,670 | 2,134 |
| Average earning assets | $264,901,000 | 2,224 |
| Average equity | $41,775,330 | 1,675 |
| Average total loans | $140,190,330 | 2,765 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8483% | 2,450 |
| Cost of funding earning assets | 1.6141% | 181 |
| Net interest margin | 3.2342% | 5,684 |
| Noninterest income to average assets | 0.3992% | 4,679 |
| Noninterest expense to average assets | 2.5643% | 4,944 |
| Loan and lease loss provision to assets | 0.6951% | 755 |
| Net operating income to assets | 0.0890% | 6,259 |
| Return on assets (ROA) | 0.2173% | 6,078 |
| Pretax return on assets | 0.1008% | 6,383 |
| Return on Equity (ROE) | 1.6003% | 6,190 |
| Retained earnings to average equity (ytd only) | 1.6003% | 5,436 |
| Net charge-offs to loans | 1.4306% | 700 |
| Credit loss provision to net charge-offs | 104.1176% | 2,221 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,824 |
| Efficiency ratio | 79.3439% | 2,298 |
| Assets per employee ($millions) | 5.0894% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2605% | 641 |
| Loan loss allowance to noncurrent loans | 50.5486% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 5.0507% | 1,027 |
| Noncurrent loans to loans | 6.4502% | 741 |
| Net loans and leases to total assets | 44.7634% | 5,921 |
| Net loans and leases to deposits | 54.2511% | 5,784 |
| Net loans and leases to core deposits | 63.1558% | 5,205 |
| Total domestic deposits to total assets | 82.5115% | 5,124 |
| Equity capital to assets | 13.6304% | 1,182 |
| Core capital (leverage) ratio | 12.9062% | 1,157 |
| Tier 1 risk-based capital ratio | 21.0451% | 1,484 |
| Total risk-based capital ratio | 22.2245% | 1,469 |
| Memoranda: |
| Average total assets | $305,586,000 | 2,126 |
| Average earning assets | $267,642,000 | 2,223 |
| Average equity | $41,492,000 | 1,677 |
| Average total loans | $142,601,000 | 2,747 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9964% | 2,902 |
| Cost of funding earning assets | 1.8568% | 177 |
| Net interest margin | 3.1396% | 6,249 |
| Noninterest income to average assets | 0.3309% | 5,170 |
| Noninterest expense to average assets | 2.3464% | 5,920 |
| Loan and lease loss provision to assets | 0.5472% | 1,907 |
| Net operating income to assets | 0.2831% | 5,314 |
| Return on assets (ROA) | 0.2831% | 5,471 |
| Pretax return on assets | 0.2164% | 5,744 |
| Return on Equity (ROE) | 2.2348% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.0125% | 4,780 |
| Net charge-offs to loans | 1.0404% | 1,667 |
| Credit loss provision to net charge-offs | 108.9421% | 3,087 |
| Earnings coverage of net charge-offs (x) | 1.5202% | 4,639 |
| Efficiency ratio | 75.4475% | 2,984 |
| Assets per employee ($millions) | 5.0969% | 2,075 |
| Cash dividends to net income (ytd only)* | 9.9441% | 3,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1868% | 689 |
| Loan loss allowance to noncurrent loans | 55.0078% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 4.8160% | 1,122 |
| Noncurrent loans to loans | 5.7934% | 883 |
| Net loans and leases to total assets | 45.5572% | 6,048 |
| Net loans and leases to deposits | 55.1134% | 5,972 |
| Net loans and leases to core deposits | 63.6916% | 5,495 |
| Total domestic deposits to total assets | 82.6609% | 4,895 |
| Equity capital to assets | 13.5253% | 1,252 |
| Core capital (leverage) ratio | 12.6773% | 1,276 |
| Tier 1 risk-based capital ratio | 20.9741% | 1,417 |
| Total risk-based capital ratio | 22.2439% | 1,393 |
| Memoranda: |
| Average total assets | $316,137,200 | 2,032 |
| Average earning assets | $279,843,200 | 2,102 |
| Average equity | $40,049,200 | 1,686 |
| Average total loans | $152,639,600 | 2,604 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0487% | 2,845 |
| Cost of funding earning assets | 1.8963% | 183 |
| Net interest margin | 3.1524% | 6,281 |
| Noninterest income to average assets | 0.3987% | 4,679 |
| Noninterest expense to average assets | 2.3159% | 5,988 |
| Loan and lease loss provision to assets | 0.5564% | 1,767 |
| Net operating income to assets | 0.3167% | 5,335 |
| Return on assets (ROA) | 0.3167% | 5,509 |
| Pretax return on assets | 0.3200% | 5,664 |
| Return on Equity (ROE) | 2.5410% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.2422% | 5,008 |
| Net charge-offs to loans | 1.0584% | 1,502 |
| Credit loss provision to net charge-offs | 108.2181% | 3,052 |
| Earnings coverage of net charge-offs (x) | 1.7046% | 4,381 |
| Efficiency ratio | 72.5462% | 3,448 |
| Assets per employee ($millions) | 4.9186% | 2,298 |
| Cash dividends to net income (ytd only)* | 11.7565% | 3,220 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0466% | 832 |
| Loan loss allowance to noncurrent loans | 57.3574% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 4.4350% | 1,353 |
| Noncurrent loans to loans | 5.3116% | 1,140 |
| Net loans and leases to total assets | 45.9481% | 6,156 |
| Net loans and leases to deposits | 55.3197% | 6,094 |
| Net loans and leases to core deposits | 63.6234% | 5,659 |
| Total domestic deposits to total assets | 83.0591% | 4,655 |
| Equity capital to assets | 13.1326% | 1,546 |
| Core capital (leverage) ratio | 12.3541% | 1,510 |
| Tier 1 risk-based capital ratio | 20.4930% | 1,566 |
| Total risk-based capital ratio | 21.7615% | 1,535 |
| Memoranda: |
| Average total assets | $318,718,750 | 2,017 |
| Average earning assets | $282,442,250 | 2,083 |
| Average equity | $39,721,000 | 1,699 |
| Average total loans | $154,823,250 | 2,591 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0788% | 2,778 |
| Cost of funding earning assets | 1.9355% | 182 |
| Net interest margin | 3.1432% | 6,295 |
| Noninterest income to average assets | 0.4306% | 4,419 |
| Noninterest expense to average assets | 2.3760% | 5,919 |
| Loan and lease loss provision to assets | 0.7531% | 1,235 |
| Net operating income to assets | 0.1687% | 5,834 |
| Return on assets (ROA) | 0.1687% | 5,933 |
| Pretax return on assets | 0.0844% | 6,128 |
| Return on Equity (ROE) | 1.3782% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.9239% | 5,498 |
| Net charge-offs to loans | 1.2112% | 1,294 |
| Credit loss provision to net charge-offs | 126.9758% | 2,409 |
| Earnings coverage of net charge-offs (x) | 1.4120% | 4,225 |
| Efficiency ratio | 73.9401% | 3,368 |
| Assets per employee ($millions) | 5.0688% | 2,030 |
| Cash dividends to net income (ytd only)* | 32.9630% | 2,352 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0550% | 849 |
| Loan loss allowance to noncurrent loans | 72.0307% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 3.8862% | 1,665 |
| Noncurrent loans to loans | 4.2413% | 1,596 |
| Net loans and leases to total assets | 46.7055% | 6,192 |
| Net loans and leases to deposits | 55.7057% | 6,161 |
| Net loans and leases to core deposits | 64.7296% | 5,638 |
| Total domestic deposits to total assets | 83.8432% | 4,417 |
| Equity capital to assets | 12.5593% | 1,747 |
| Core capital (leverage) ratio | 12.1024% | 1,553 |
| Tier 1 risk-based capital ratio | 19.6615% | 1,677 |
| Total risk-based capital ratio | 20.9304% | 1,646 |
| Memoranda: |
| Average total assets | $320,029,000 | 2,023 |
| Average earning assets | $283,337,330 | 2,082 |
| Average equity | $39,181,330 | 1,714 |
| Average total loans | $156,703,000 | 2,589 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9769% | 3,209 |
| Cost of funding earning assets | 1.9928% | 172 |
| Net interest margin | 2.9842% | 6,602 |
| Noninterest income to average assets | 0.4233% | 4,509 |
| Noninterest expense to average assets | 2.3984% | 5,886 |
| Loan and lease loss provision to assets | 1.3172% | 517 |
| Net operating income to assets | -0.2872% | 6,647 |
| Return on assets (ROA) | -0.2872% | 6,664 |
| Pretax return on assets | -0.6467% | 6,842 |
| Return on Equity (ROE) | -2.3761% | 6,624 |
| Retained earnings to average equity (ytd only) | -3.2955% | 6,330 |
| Net charge-offs to loans | 1.7555% | 749 |
| Credit loss provision to net charge-offs | 152.0173% | 1,883 |
| Earnings coverage of net charge-offs (x) | 0.7738% | 4,060 |
| Efficiency ratio | 78.1530% | 2,825 |
| Assets per employee ($millions) | 5.1835% | 1,921 |
| Cash dividends to net income (ytd only)* | -38.6957% | 7,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0445% | 874 |
| Loan loss allowance to noncurrent loans | 61.2961% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 4.0995% | 1,627 |
| Noncurrent loans to loans | 4.9669% | 1,362 |
| Net loans and leases to total assets | 47.6137% | 6,123 |
| Net loans and leases to deposits | 56.2404% | 6,108 |
| Net loans and leases to core deposits | 65.3110% | 5,584 |
| Total domestic deposits to total assets | 84.6611% | 4,202 |
| Equity capital to assets | 12.0266% | 1,906 |
| Core capital (leverage) ratio | 11.8567% | 1,646 |
| Tier 1 risk-based capital ratio | 18.9264% | 1,819 |
| Total risk-based capital ratio | 20.1950% | 1,776 |
| Memoranda: |
| Average total assets | $320,377,000 | 2,032 |
| Average earning assets | $284,029,500 | 2,088 |
| Average equity | $38,719,000 | 1,721 |
| Average total loans | $158,131,500 | 2,591 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3951% | 2,694 |
| Cost of funding earning assets | 2.3111% | 201 |
| Net interest margin | 3.0840% | 6,557 |
| Noninterest income to average assets | 0.4070% | 4,854 |
| Noninterest expense to average assets | 2.4411% | 5,972 |
| Loan and lease loss provision to assets | 1.3629% | 1,112 |
| Net operating income to assets | -0.2673% | 6,185 |
| Return on assets (ROA) | -0.2673% | 6,230 |
| Pretax return on assets | -0.6111% | 6,405 |
| Return on Equity (ROE) | -2.0987% | 6,179 |
| Retained earnings to average equity (ytd only) | -2.9710% | 6,092 |
| Net charge-offs to loans | 1.5160% | 1,449 |
| Credit loss provision to net charge-offs | 173.9465% | 1,932 |
| Earnings coverage of net charge-offs (x) | 0.9595% | 5,153 |
| Efficiency ratio | 76.4542% | 2,975 |
| Assets per employee ($millions) | 4.9134% | 2,271 |
| Cash dividends to net income (ytd only)* | -41.5677% | 7,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8043% | 1,048 |
| Loan loss allowance to noncurrent loans | 72.6574% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 3.2811% | 2,152 |
| Noncurrent loans to loans | 3.8596% | 1,903 |
| Net loans and leases to total assets | 48.2175% | 6,372 |
| Net loans and leases to deposits | 58.1869% | 6,237 |
| Net loans and leases to core deposits | 67.9234% | 5,668 |
| Total domestic deposits to total assets | 82.8665% | 4,855 |
| Equity capital to assets | 12.1447% | 1,831 |
| Core capital (leverage) ratio | 11.9440% | 1,591 |
| Tier 1 risk-based capital ratio | 19.2778% | 1,644 |
| Total risk-based capital ratio | 20.5442% | 1,611 |
| Memoranda: |
| Average total assets | $314,987,000 | 2,063 |
| Average earning assets | $284,536,600 | 2,079 |
| Average equity | $40,120,800 | 1,654 |
| Average total loans | $162,797,800 | 2,578 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4408% | 2,685 |
| Cost of funding earning assets | 2.3347% | 241 |
| Net interest margin | 3.1061% | 6,600 |
| Noninterest income to average assets | 0.4418% | 4,627 |
| Noninterest expense to average assets | 2.3664% | 6,129 |
| Loan and lease loss provision to assets | 0.4167% | 3,405 |
| Net operating income to assets | 0.4154% | 4,679 |
| Return on assets (ROA) | 0.4154% | 4,856 |
| Pretax return on assets | 0.4689% | 5,017 |
| Return on Equity (ROE) | 3.2233% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.3532% | 4,758 |
| Net charge-offs to loans | 0.8453% | 2,335 |
| Credit loss provision to net charge-offs | 94.4177% | 4,590 |
| Earnings coverage of net charge-offs (x) | 2.0067% | 4,213 |
| Efficiency ratio | 72.7665% | 3,562 |
| Assets per employee ($millions) | 4.9388% | 2,259 |
| Cash dividends to net income (ytd only)* | 26.9937% | 2,666 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5762% | 3,631 |
| Loan loss allowance to noncurrent loans | 32.9557% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 3.5587% | 2,002 |
| Noncurrent loans to loans | 4.7828% | 1,470 |
| Net loans and leases to total assets | 49.0413% | 6,429 |
| Net loans and leases to deposits | 60.0044% | 6,315 |
| Net loans and leases to core deposits | 70.0567% | 5,743 |
| Total domestic deposits to total assets | 81.7295% | 5,103 |
| Equity capital to assets | 13.0299% | 1,558 |
| Core capital (leverage) ratio | 12.5187% | 1,399 |
| Tier 1 risk-based capital ratio | 19.8366% | 1,583 |
| Total risk-based capital ratio | 21.0906% | 1,549 |
| Memoranda: |
| Average total assets | $313,890,250 | 2,100 |
| Average earning assets | $283,993,500 | 2,116 |
| Average equity | $40,454,250 | 1,644 |
| Average total loans | $163,888,000 | 2,603 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4510% | 2,748 |
| Cost of funding earning assets | 2.3522% | 286 |
| Net interest margin | 3.0989% | 6,612 |
| Noninterest income to average assets | 0.5357% | 3,829 |
| Noninterest expense to average assets | 2.3649% | 6,172 |
| Loan and lease loss provision to assets | 0.3750% | 3,467 |
| Net operating income to assets | 0.4963% | 4,344 |
| Return on assets (ROA) | 0.4963% | 4,500 |
| Pretax return on assets | 0.6003% | 4,562 |
| Return on Equity (ROE) | 3.8661% | 4,838 |
| Retained earnings to average equity (ytd only) | 2.9863% | 4,221 |
| Net charge-offs to loans | 0.8468% | 2,134 |
| Credit loss provision to net charge-offs | 83.4770% | 4,609 |
| Earnings coverage of net charge-offs (x) | 2.1710% | 3,932 |
| Efficiency ratio | 70.8019% | 4,018 |
| Assets per employee ($millions) | 4.8417% | 2,385 |
| Cash dividends to net income (ytd only)* | 22.7568% | 2,805 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5345% | 3,744 |
| Loan loss allowance to noncurrent loans | 44.8727% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.9440% | 2,436 |
| Noncurrent loans to loans | 3.4197% | 2,324 |
| Net loans and leases to total assets | 49.5119% | 6,491 |
| Net loans and leases to deposits | 60.1005% | 6,404 |
| Net loans and leases to core deposits | 69.8231% | 5,893 |
| Total domestic deposits to total assets | 82.3818% | 4,833 |
| Equity capital to assets | 12.5740% | 1,754 |
| Core capital (leverage) ratio | 12.4326% | 1,429 |
| Tier 1 risk-based capital ratio | 19.4027% | 1,627 |
| Total risk-based capital ratio | 20.6271% | 1,599 |
| Memoranda: |
| Average total assets | $309,867,670 | 2,149 |
| Average earning assets | $280,423,330 | 2,158 |
| Average equity | $39,781,670 | 1,674 |
| Average total loans | $164,379,330 | 2,630 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6313% | 2,023 |
| Cost of funding earning assets | 2.3990% | 306 |
| Net interest margin | 3.2323% | 6,188 |
| Noninterest income to average assets | 0.4587% | 4,391 |
| Noninterest expense to average assets | 2.3939% | 6,110 |
| Loan and lease loss provision to assets | 0.3450% | 3,310 |
| Net operating income to assets | 0.5274% | 4,248 |
| Return on assets (ROA) | 0.5274% | 4,389 |
| Pretax return on assets | 0.6477% | 4,425 |
| Return on Equity (ROE) | 4.0633% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.1774% | 4,237 |
| Net charge-offs to loans | 1.3623% | 1,263 |
| Credit loss provision to net charge-offs | 46.4413% | 4,535 |
| Earnings coverage of net charge-offs (x) | 1.3363% | 3,945 |
| Efficiency ratio | 70.6870% | 4,178 |
| Assets per employee ($millions) | 4.7695% | 2,546 |
| Cash dividends to net income (ytd only)* | 21.8045% | 2,200 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3884% | 4,473 |
| Loan loss allowance to noncurrent loans | 53.9590% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.7412% | 3,866 |
| Noncurrent loans to loans | 2.5731% | 3,098 |
| Net loans and leases to total assets | 52.2780% | 6,241 |
| Net loans and leases to deposits | 63.2953% | 6,137 |
| Net loans and leases to core deposits | 74.3408% | 5,465 |
| Total domestic deposits to total assets | 82.5938% | 4,805 |
| Equity capital to assets | 12.6075% | 1,699 |
| Core capital (leverage) ratio | 13.0588% | 1,195 |
| Tier 1 risk-based capital ratio | 19.4063% | 1,639 |
| Total risk-based capital ratio | 20.5481% | 1,627 |
| Memoranda: |
| Average total assets | $302,606,000 | 2,233 |
| Average earning assets | $274,111,500 | 2,254 |
| Average equity | $39,278,000 | 1,710 |
| Average total loans | $165,011,500 | 2,687 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8922% | 2,271 |
| Cost of funding earning assets | 2.5065% | 1,017 |
| Net interest margin | 3.3857% | 5,422 |
| Noninterest income to average assets | 0.3448% | 5,623 |
| Noninterest expense to average assets | 2.6366% | 5,641 |
| Loan and lease loss provision to assets | 1.3989% | 1,640 |
| Net operating income to assets | -0.2591% | 5,910 |
| Return on assets (ROA) | -0.2591% | 5,913 |
| Pretax return on assets | -0.5751% | 6,075 |
| Return on Equity (ROE) | -1.7011% | 5,810 |
| Retained earnings to average equity (ytd only) | -3.6226% | 5,810 |
| Net charge-offs to loans | 1.9195% | 1,289 |
| Credit loss provision to net charge-offs | 126.8832% | 4,101 |
| Earnings coverage of net charge-offs (x) | 0.7472% | 5,349 |
| Efficiency ratio | 76.1920% | 3,494 |
| Assets per employee ($millions) | 4.3347% | 3,219 |
| Cash dividends to net income (ytd only)* | -112.9630% | 7,906 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6048% | 3,266 |
| Loan loss allowance to noncurrent loans | 50.5503% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.1548% | 3,193 |
| Noncurrent loans to loans | 3.1746% | 2,412 |
| Net loans and leases to total assets | 55.2720% | 6,050 |
| Net loans and leases to deposits | 68.0743% | 5,815 |
| Net loans and leases to core deposits | 112.3490% | 2,663 |
| Total domestic deposits to total assets | 81.1936% | 5,269 |
| Equity capital to assets | 13.3836% | 1,367 |
| Core capital (leverage) ratio | 13.7714% | 1,024 |
| Tier 1 risk-based capital ratio | 20.0198% | 1,463 |
| Total risk-based capital ratio | 21.2665% | 1,424 |
| Memoranda: |
| Average total assets | $270,918,800 | 2,413 |
| Average earning assets | $249,311,600 | 2,410 |
| Average equity | $41,268,600 | 1,620 |
| Average total loans | $155,611,800 | 2,839 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8287% | 2,760 |
| Cost of funding earning assets | 2.5015% | 1,294 |
| Net interest margin | 3.3272% | 5,537 |
| Noninterest income to average assets | 0.5092% | 4,410 |
| Noninterest expense to average assets | 2.6115% | 5,674 |
| Loan and lease loss provision to assets | 0.3894% | 3,980 |
| Net operating income to assets | 0.4966% | 4,001 |
| Return on assets (ROA) | 0.4966% | 4,095 |
| Pretax return on assets | 0.5879% | 4,218 |
| Return on Equity (ROE) | 3.1558% | 4,724 |
| Retained earnings to average equity (ytd only) | 2.3056% | 4,030 |
| Net charge-offs to loans | 0.3634% | 3,834 |
| Credit loss provision to net charge-offs | 185.4415% | 2,456 |
| Earnings coverage of net charge-offs (x) | 4.6540% | 3,055 |
| Efficiency ratio | 72.7692% | 4,088 |
| Assets per employee ($millions) | 4.1005% | 3,562 |
| Cash dividends to net income (ytd only)* | 26.9424% | 2,987 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3607% | 4,154 |
| Loan loss allowance to noncurrent loans | 34.6958% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 2.7234% | 2,547 |
| Noncurrent loans to loans | 3.9218% | 1,876 |
| Net loans and leases to total assets | 57.3375% | 5,985 |
| Net loans and leases to deposits | 72.3384% | 5,593 |
| Net loans and leases to core deposits | 116.9304% | 2,531 |
| Total domestic deposits to total assets | 79.2630% | 5,705 |
| Equity capital to assets | 15.2258% | 945 |
| Core capital (leverage) ratio | 15.2214% | 816 |
| Tier 1 risk-based capital ratio | 22.6998% | 1,149 |
| Total risk-based capital ratio | 23.8945% | 1,129 |
| Memoranda: |
| Average total assets | $266,043,000 | 2,466 |
| Average earning assets | $246,247,250 | 2,458 |
| Average equity | $41,868,500 | 1,613 |
| Average total loans | $153,729,750 | 2,887 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7944% | 3,077 |
| Cost of funding earning assets | 2.5128% | 1,567 |
| Net interest margin | 3.2816% | 5,616 |
| Noninterest income to average assets | 0.4910% | 4,522 |
| Noninterest expense to average assets | 2.5803% | 5,818 |
| Loan and lease loss provision to assets | 0.2318% | 4,729 |
| Net operating income to assets | 0.6070% | 3,648 |
| Return on assets (ROA) | 0.4765% | 4,300 |
| Pretax return on assets | 0.5617% | 4,436 |
| Return on Equity (ROE) | 2.9942% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.1442% | 4,154 |
| Net charge-offs to loans | 0.4837% | 2,893 |
| Credit loss provision to net charge-offs | 83.1063% | 5,119 |
| Earnings coverage of net charge-offs (x) | 3.3951% | 3,450 |
| Efficiency ratio | 73.1523% | 4,166 |
| Assets per employee ($millions) | 4.2714% | 3,161 |
| Cash dividends to net income (ytd only)* | 28.3892% | 2,903 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1092% | 5,533 |
| Loan loss allowance to noncurrent loans | 24.0400% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 3.0268% | 2,095 |
| Noncurrent loans to loans | 4.6141% | 1,383 |
| Net loans and leases to total assets | 58.0764% | 5,951 |
| Net loans and leases to deposits | 75.1639% | 5,294 |
| Net loans and leases to core deposits | 118.8708% | 2,468 |
| Total domestic deposits to total assets | 77.2664% | 6,265 |
| Equity capital to assets | 15.2944% | 968 |
| Core capital (leverage) ratio | 15.7195% | 786 |
| Tier 1 risk-based capital ratio | 23.8828% | 1,049 |
| Total risk-based capital ratio | 24.8826% | 1,053 |
| Memoranda: |
| Average total assets | $263,147,000 | 2,504 |
| Average earning assets | $243,476,670 | 2,493 |
| Average equity | $41,881,330 | 1,625 |
| Average total loans | $151,740,670 | 2,946 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8180% | 3,210 |
| Cost of funding earning assets | 2.5122% | 1,873 |
| Net interest margin | 3.3058% | 5,477 |
| Noninterest income to average assets | 0.4551% | 4,720 |
| Noninterest expense to average assets | 2.5260% | 5,740 |
| Loan and lease loss provision to assets | 0.1999% | 4,440 |
| Net operating income to assets | 0.6211% | 3,932 |
| Return on assets (ROA) | 0.6211% | 4,115 |
| Pretax return on assets | 0.7841% | 4,133 |
| Return on Equity (ROE) | 3.8254% | 5,015 |
| Retained earnings to average equity (ytd only) | 2.9732% | 4,221 |
| Net charge-offs to loans | 0.3230% | 2,802 |
| Credit loss provision to net charge-offs | 108.3333% | 3,541 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,690 |
| Efficiency ratio | 71.9667% | 4,202 |
| Assets per employee ($millions) | 4.3003% | 3,075 |
| Cash dividends to net income (ytd only)* | 22.2772% | 2,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2034% | 4,781 |
| Loan loss allowance to noncurrent loans | 37.9339% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 2.1218% | 2,719 |
| Noncurrent loans to loans | 3.1723% | 2,041 |
| Net loans and leases to total assets | 56.1973% | 6,213 |
| Net loans and leases to deposits | 71.6701% | 5,787 |
| Net loans and leases to core deposits | 113.1841% | 3,081 |
| Total domestic deposits to total assets | 78.4111% | 5,884 |
| Equity capital to assets | 15.8553% | 897 |
| Core capital (leverage) ratio | 16.2090% | 753 |
| Tier 1 risk-based capital ratio | 25.0796% | 974 |
| Total risk-based capital ratio | 26.1763% | 962 |
| Memoranda: |
| Average total assets | $260,171,000 | 2,548 |
| Average earning assets | $240,428,000 | 2,532 |
| Average equity | $42,243,500 | 1,610 |
| Average total loans | $148,593,000 | 3,027 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1739% | 4,644 |
| Cost of funding earning assets | 2.8170% | 2,638 |
| Net interest margin | 3.3568% | 5,839 |
| Noninterest income to average assets | 0.6054% | 3,806 |
| Noninterest expense to average assets | 2.4024% | 6,381 |
| Loan and lease loss provision to assets | 0.2173% | 4,712 |
| Net operating income to assets | 0.8647% | 3,150 |
| Return on assets (ROA) | 0.8802% | 2,937 |
| Pretax return on assets | 1.1461% | 2,849 |
| Return on Equity (ROE) | 5.5382% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.5652% | 2,924 |
| Net charge-offs to loans | 0.6564% | 1,891 |
| Credit loss provision to net charge-offs | 62.4303% | 6,202 |
| Earnings coverage of net charge-offs (x) | 3.8584% | 4,205 |
| Efficiency ratio | 64.1384% | 5,529 |
| Assets per employee ($millions) | 4.2287% | 3,061 |
| Cash dividends to net income (ytd only)* | 35.6261% | 3,856 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2472% | 4,174 |
| Loan loss allowance to noncurrent loans | 43.4107% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 2.0964% | 2,344 |
| Noncurrent loans to loans | 2.8730% | 1,878 |
| Net loans and leases to total assets | 56.6419% | 6,366 |
| Net loans and leases to deposits | 75.7354% | 5,618 |
| Net loans and leases to core deposits | 115.5499% | 3,170 |
| Total domestic deposits to total assets | 74.7891% | 6,499 |
| Equity capital to assets | 16.6378% | 820 |
| Core capital (leverage) ratio | 16.5605% | 751 |
| Tier 1 risk-based capital ratio | 26.3121% | 875 |
| Total risk-based capital ratio | 27.4455% | 866 |
| Memoranda: |
| Average total assets | $257,660,200 | 2,484 |
| Average earning assets | $241,032,400 | 2,443 |
| Average equity | $40,951,600 | 1,634 |
| Average total loans | $136,651,800 | 3,149 |
