| 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 | 6.8678% | 387 |
| Cost of funding earning assets | 1.5900% | 3,001 |
| Net interest margin | 5.2778% | 201 |
| Noninterest income to average assets | 1.0000% | 567 |
| Noninterest expense to average assets | 4.1733% | 343 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.1764% | 1,790 |
| Return on assets (ROA) | 1.1764% | 1,790 |
| Pretax return on assets | 1.5428% | 1,415 |
| Return on Equity (ROE) | 10.0200% | 2,301 |
| Retained earnings to average equity (ytd only) | 10.0165% | 1,175 |
| Net charge-offs to loans | 0.0481% | 1,181 |
| Credit loss provision to net charge-offs | 312.5000% | 699 |
| Earnings coverage of net charge-offs (x) | 53.8333% | 961 |
| Efficiency ratio | 71.5423% | 1,664 |
| Assets per employee ($millions) | 3.6913% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3216% | 1,611 |
| Loan loss allowance to noncurrent loans | 435.2066% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 2,562 |
| Noncurrent loans to loans | 0.3037% | 2,405 |
| Net loans and leases to total assets | 61.5700% | 2,742 |
| Net loans and leases to deposits | 70.4543% | 2,833 |
| Net loans and leases to core deposits | 79.5790% | 2,705 |
| Total domestic deposits to total assets | 87.3900% | 1,774 |
| Equity capital to assets | 11.7728% | 1,320 |
| Core capital (leverage) ratio | 10.8617% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $631,062,000 | 1,492 |
| Average earning assets | $575,092,000 | 1,515 |
| Average equity | $74,117,500 | 1,299 |
| Average total loans | $399,035,500 | 1,564 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1518% | 330 |
| Cost of funding earning assets | 1.7485% | 2,853 |
| Net interest margin | 5.4033% | 208 |
| Noninterest income to average assets | 1.0100% | 603 |
| Noninterest expense to average assets | 4.2286% | 331 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.1918% | 1,513 |
| Return on assets (ROA) | 1.1918% | 1,518 |
| Pretax return on assets | 1.5813% | 1,149 |
| Return on Equity (ROE) | 10.2900% | 2,069 |
| Retained earnings to average equity (ytd only) | 6.8083% | 1,496 |
| Net charge-offs to loans | 0.1337% | 971 |
| Credit loss provision to net charge-offs | 108.9219% | 1,778 |
| Earnings coverage of net charge-offs (x) | 19.1320% | 1,867 |
| Efficiency ratio | 71.3269% | 1,844 |
| Assets per employee ($millions) | 3.5428% | 4,213 |
| Cash dividends to net income (ytd only)* | 33.8300% | 2,419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2925% | 1,708 |
| Loan loss allowance to noncurrent loans | 666.4516% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,755 |
| Noncurrent loans to loans | 0.1939% | 2,742 |
| Net loans and leases to total assets | 63.2600% | 2,642 |
| Net loans and leases to deposits | 72.2248% | 2,780 |
| Net loans and leases to core deposits | 82.0597% | 2,623 |
| Total domestic deposits to total assets | 87.5900% | 1,671 |
| Equity capital to assets | 11.7163% | 1,286 |
| Core capital (leverage) ratio | 10.6255% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $613,849,000 | 1,502 |
| Average earning assets | $556,546,600 | 1,529 |
| Average equity | $71,104,800 | 1,306 |
| Average total loans | $402,444,000 | 1,521 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1336% | 340 |
| Cost of funding earning assets | 1.7526% | 2,831 |
| Net interest margin | 5.3809% | 215 |
| Noninterest income to average assets | 0.9900% | 606 |
| Noninterest expense to average assets | 4.1957% | 332 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.1797% | 1,561 |
| Return on assets (ROA) | 1.1797% | 1,565 |
| Pretax return on assets | 1.5733% | 1,197 |
| Return on Equity (ROE) | 10.2100% | 2,130 |
| Retained earnings to average equity (ytd only) | 10.2144% | 804 |
| Net charge-offs to loans | 0.1287% | 842 |
| Credit loss provision to net charge-offs | 118.5090% | 1,503 |
| Earnings coverage of net charge-offs (x) | 19.7326% | 1,760 |
| Efficiency ratio | 71.2004% | 1,877 |
| Assets per employee ($millions) | 3.4920% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2965% | 1,733 |
| Loan loss allowance to noncurrent loans | 671.2807% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,744 |
| Noncurrent loans to loans | 0.1931% | 2,770 |
| Net loans and leases to total assets | 63.5500% | 2,578 |
| Net loans and leases to deposits | 72.8786% | 2,760 |
| Net loans and leases to core deposits | 83.1468% | 2,622 |
| Total domestic deposits to total assets | 87.2100% | 1,516 |
| Equity capital to assets | 11.9219% | 1,314 |
| Core capital (leverage) ratio | 10.8255% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $611,429,500 | 1,498 |
| Average earning assets | $554,361,750 | 1,534 |
| Average equity | $70,617,500 | 1,304 |
| Average total loans | $403,150,500 | 1,514 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 150,295.0000% | 12 |
| Cost of funding earning assets | 284.0000% | 9 |
| Net interest margin | 0.0000% | 4,497 |
| Noninterest income to average assets | 0.0000% | 4,488 |
| Noninterest expense to average assets | 0.0000% | 4,517 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | 0.0000% | 4,224 |
| Return on assets (ROA) | 1.1302% | 1,649 |
| Pretax return on assets | 1.5081% | 1,265 |
| Return on Equity (ROE) | 9.8900% | 2,212 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 292.0000% | 4 |
| Credit loss provision to net charge-offs | 2.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 810 |
| Efficiency ratio | 1,410.0000% | 28 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 4.6983% | 2,827 |
| Condition Ratios (%) |
| Loss allowance to loans | 2,692.0000% | 16 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,430 |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0149% | 4,418 |
| Total domestic deposits to total assets | 0.3051% | 4,477 |
| Equity capital to assets | 18,078.0000% | 43 |
| Core capital (leverage) ratio | 0.0000% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $41,000 | 4,558 |
| Average earning assets | $0 | 4,543 |
| Average equity | $0 | 4,494 |
| Average total loans | $0 | 4,430 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9241% | 365 |
| Cost of funding earning assets | 1.6761% | 2,804 |
| Net interest margin | 5.2480% | 243 |
| Noninterest income to average assets | 0.9400% | 620 |
| Noninterest expense to average assets | 4.2195% | 312 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.9898% | 1,955 |
| Return on assets (ROA) | 0.9898% | 1,966 |
| Pretax return on assets | 1.3729% | 1,493 |
| Return on Equity (ROE) | 8.7000% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.7024% | 1,383 |
| Net charge-offs to loans | 0.1562% | 542 |
| Credit loss provision to net charge-offs | 68.9873% | 1,328 |
| Earnings coverage of net charge-offs (x) | 13.7785% | 1,511 |
| Efficiency ratio | 74.1943% | 1,723 |
| Assets per employee ($millions) | 3.5458% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2496% | 2,007 |
| Loan loss allowance to noncurrent loans | 451.3802% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 2,382 |
| Noncurrent loans to loans | 0.2768% | 2,319 |
| Net loans and leases to total assets | 64.9300% | 2,381 |
| Net loans and leases to deposits | 73.8249% | 2,616 |
| Net loans and leases to core deposits | 83.4841% | 2,480 |
| Total domestic deposits to total assets | 87.9500% | 1,441 |
| Equity capital to assets | 11.2217% | 1,424 |
| Core capital (leverage) ratio | 10.4517% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $602,541,500 | 1,516 |
| Average earning assets | $542,913,500 | 1,562 |
| Average equity | $68,532,500 | 1,325 |
| Average total loans | $404,520,500 | 1,505 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5349% | 340 |
| Cost of funding earning assets | 0.9792% | 3,346 |
| Net interest margin | 5.5557% | 172 |
| Noninterest income to average assets | 1.0500% | 589 |
| Noninterest expense to average assets | 4.1412% | 334 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4139% | 1,193 |
| Return on assets (ROA) | 1.4139% | 1,164 |
| Pretax return on assets | 1.8157% | 869 |
| Return on Equity (ROE) | 12.8800% | 1,757 |
| Retained earnings to average equity (ytd only) | 10.8743% | 822 |
| Net charge-offs to loans | 0.0835% | 1,029 |
| Credit loss provision to net charge-offs | 115.7738% | 1,710 |
| Earnings coverage of net charge-offs (x) | 33.3423% | 1,565 |
| Efficiency ratio | 68.2007% | 2,087 |
| Assets per employee ($millions) | 3.3040% | 4,326 |
| Cash dividends to net income (ytd only)* | 15.5558% | 3,085 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2685% | 1,932 |
| Loan loss allowance to noncurrent loans | 392.1073% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 2,110 |
| Noncurrent loans to loans | 0.3235% | 2,025 |
| Net loans and leases to total assets | 67.7200% | 2,070 |
| Net loans and leases to deposits | 77.1669% | 2,342 |
| Net loans and leases to core deposits | 87.1395% | 2,238 |
| Total domestic deposits to total assets | 87.7600% | 1,431 |
| Equity capital to assets | 11.5336% | 1,274 |
| Core capital (leverage) ratio | 10.4681% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $587,871,400 | 1,504 |
| Average earning assets | $528,992,400 | 1,552 |
| Average equity | $64,546,800 | 1,324 |
| Average total loans | $402,485,200 | 1,464 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4477% | 323 |
| Cost of funding earning assets | 0.8161% | 3,481 |
| Net interest margin | 5.6317% | 157 |
| Noninterest income to average assets | 1.0600% | 588 |
| Noninterest expense to average assets | 4.0753% | 343 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.5043% | 1,116 |
| Return on assets (ROA) | 1.5043% | 1,104 |
| Pretax return on assets | 1.9439% | 809 |
| Return on Equity (ROE) | 13.8800% | 1,684 |
| Retained earnings to average equity (ytd only) | 13.8757% | 689 |
| Net charge-offs to loans | 0.0829% | 899 |
| Credit loss provision to net charge-offs | 126.8000% | 1,443 |
| Earnings coverage of net charge-offs (x) | 35.8680% | 1,505 |
| Efficiency ratio | 66.4253% | 2,229 |
| Assets per employee ($millions) | 3.3927% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2608% | 2,051 |
| Loan loss allowance to noncurrent loans | 285.5314% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 1,742 |
| Noncurrent loans to loans | 0.4416% | 1,725 |
| Net loans and leases to total assets | 69.2600% | 1,910 |
| Net loans and leases to deposits | 78.9591% | 2,149 |
| Net loans and leases to core deposits | 88.9179% | 1,995 |
| Total domestic deposits to total assets | 87.7200% | 1,660 |
| Equity capital to assets | 11.4830% | 1,185 |
| Core capital (leverage) ratio | 10.5198% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $587,812,250 | 1,515 |
| Average earning assets | $527,240,750 | 1,553 |
| Average equity | $63,726,000 | 1,326 |
| Average total loans | $402,262,500 | 1,464 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3212% | 307 |
| Cost of funding earning assets | 0.6749% | 3,554 |
| Net interest margin | 5.6463% | 150 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 3.9891% | 342 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5760% | 979 |
| Return on assets (ROA) | 1.5760% | 978 |
| Pretax return on assets | 2.0353% | 710 |
| Return on Equity (ROE) | 14.8200% | 1,505 |
| Retained earnings to average equity (ytd only) | 14.8243% | 579 |
| Net charge-offs to loans | 0.0908% | 720 |
| Credit loss provision to net charge-offs | 123.6264% | 1,314 |
| Earnings coverage of net charge-offs (x) | 34.3571% | 1,483 |
| Efficiency ratio | 65.0377% | 2,371 |
| Assets per employee ($millions) | 3.3738% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2637% | 2,108 |
| Loan loss allowance to noncurrent loans | 553.9046% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,395 |
| Noncurrent loans to loans | 0.2281% | 2,351 |
| Net loans and leases to total assets | 67.5800% | 2,003 |
| Net loans and leases to deposits | 76.4762% | 2,264 |
| Net loans and leases to core deposits | 85.3600% | 2,120 |
| Total domestic deposits to total assets | 88.3700% | 1,471 |
| Equity capital to assets | 10.9959% | 1,390 |
| Core capital (leverage) ratio | 10.0750% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $590,365,333 | 1,502 |
| Average earning assets | $529,548,667 | 1,556 |
| Average equity | $62,761,667 | 1,343 |
| Average total loans | $400,692,333 | 1,454 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1911% | 253 |
| Cost of funding earning assets | 0.5404% | 3,565 |
| Net interest margin | 5.6508% | 125 |
| Noninterest income to average assets | 0.9800% | 598 |
| Noninterest expense to average assets | 3.8805% | 386 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.5388% | 1,099 |
| Return on assets (ROA) | 1.5388% | 1,086 |
| Pretax return on assets | 2.0713% | 688 |
| Return on Equity (ROE) | 14.7300% | 1,617 |
| Retained earnings to average equity (ytd only) | 14.7271% | 842 |
| Net charge-offs to loans | 0.0792% | 677 |
| Credit loss provision to net charge-offs | 145.5696% | 963 |
| Earnings coverage of net charge-offs (x) | 40.1519% | 1,187 |
| Efficiency ratio | 64.0746% | 2,445 |
| Assets per employee ($millions) | 3.3989% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2732% | 2,168 |
| Loan loss allowance to noncurrent loans | 352.6971% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 1,808 |
| Noncurrent loans to loans | 0.3610% | 1,852 |
| Net loans and leases to total assets | 66.8700% | 1,960 |
| Net loans and leases to deposits | 75.4272% | 2,165 |
| Net loans and leases to core deposits | 83.4058% | 2,031 |
| Total domestic deposits to total assets | 88.6500% | 1,683 |
| Equity capital to assets | 10.6521% | 1,487 |
| Core capital (leverage) ratio | 9.5250% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $590,341,500 | 1,519 |
| Average earning assets | $527,786,500 | 1,577 |
| Average equity | $61,682,000 | 1,368 |
| Average total loans | $398,974,000 | 1,472 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4975% | 155 |
| Cost of funding earning assets | 0.2588% | 3,253 |
| Net interest margin | 5.2387% | 112 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 3.8996% | 354 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1840% | 1,841 |
| Return on assets (ROA) | 1.1840% | 1,770 |
| Pretax return on assets | 1.7399% | 839 |
| Return on Equity (ROE) | 11.8800% | 2,180 |
| Retained earnings to average equity (ytd only) | 0.2679% | 4,305 |
| Net charge-offs to loans | 0.0260% | 1,542 |
| Credit loss provision to net charge-offs | 696.9697% | 545 |
| Earnings coverage of net charge-offs (x) | 111.6364% | 923 |
| Efficiency ratio | 67.4612% | 2,025 |
| Assets per employee ($millions) | 3.3673% | 4,474 |
| Cash dividends to net income (ytd only)* | 97.7450% | 227 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2743% | 2,017 |
| Loan loss allowance to noncurrent loans | 669.8413% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 2,489 |
| Noncurrent loans to loans | 0.1902% | 2,530 |
| Net loans and leases to total assets | 66.5800% | 1,968 |
| Net loans and leases to deposits | 74.5711% | 2,208 |
| Net loans and leases to core deposits | 81.8207% | 2,016 |
| Total domestic deposits to total assets | 89.2800% | 1,640 |
| Equity capital to assets | 10.2443% | 1,589 |
| Core capital (leverage) ratio | 9.2592% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $595,543,800 | 1,496 |
| Average earning assets | $542,592,400 | 1,516 |
| Average equity | $59,348,400 | 1,415 |
| Average total loans | $381,298,400 | 1,452 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3040% | 140 |
| Cost of funding earning assets | 0.2114% | 3,134 |
| Net interest margin | 5.0926% | 107 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 3.7109% | 401 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.2062% | 1,677 |
| Return on assets (ROA) | 1.2062% | 1,654 |
| Pretax return on assets | 1.7917% | 745 |
| Return on Equity (ROE) | 12.1900% | 1,977 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,329 |
| Net charge-offs to loans | 0.0258% | 1,308 |
| Credit loss provision to net charge-offs | 723.2877% | 506 |
| Earnings coverage of net charge-offs (x) | 117.1507% | 860 |
| Efficiency ratio | 65.7225% | 2,319 |
| Assets per employee ($millions) | 3.4093% | 4,502 |
| Cash dividends to net income (ytd only)* | 100.0000% | 230 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2670% | 2,189 |
| Loan loss allowance to noncurrent loans | 480.7805% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 2,350 |
| Noncurrent loans to loans | 0.2635% | 2,319 |
| Net loans and leases to total assets | 65.4900% | 1,936 |
| Net loans and leases to deposits | 73.2596% | 2,107 |
| Net loans and leases to core deposits | 79.6171% | 1,928 |
| Total domestic deposits to total assets | 89.3900% | 1,923 |
| Equity capital to assets | 10.2360% | 1,501 |
| Core capital (leverage) ratio | 9.0628% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $597,110,750 | 1,497 |
| Average earning assets | $545,009,750 | 1,521 |
| Average equity | $59,093,750 | 1,437 |
| Average total loans | $377,277,750 | 1,458 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0625% | 158 |
| Cost of funding earning assets | 0.2153% | 2,704 |
| Net interest margin | 4.8472% | 121 |
| Noninterest income to average assets | 0.9423% | 765 |
| Noninterest expense to average assets | 3.6049% | 394 |
| Loan and lease loss provision to assets | 0.1149% | 874 |
| Net operating income to assets | 1.0448% | 1,998 |
| Return on assets (ROA) | 1.0448% | 1,966 |
| Pretax return on assets | 1.6604% | 825 |
| Return on Equity (ROE) | 10.6764% | 2,102 |
| Retained earnings to average equity (ytd only) | 0.3266% | 4,129 |
| Net charge-offs to loans | 0.0402% | 986 |
| Credit loss provision to net charge-offs | 460.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 71.0933% | 996 |
| Efficiency ratio | 66.6935% | 2,414 |
| Assets per employee ($millions) | 3.7034% | 4,490 |
| Cash dividends to net income (ytd only)* | 96.9407% | 403 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2453% | 2,450 |
| Loan loss allowance to noncurrent loans | 548.3237% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 2,742 |
| Noncurrent loans to loans | 0.2271% | 2,584 |
| Net loans and leases to total assets | 60.4560% | 2,279 |
| Net loans and leases to deposits | 66.9195% | 2,475 |
| Net loans and leases to core deposits | 74.4336% | 2,134 |
| Total domestic deposits to total assets | 90.3413% | 1,555 |
| Equity capital to assets | 9.2973% | 2,159 |
| Core capital (leverage) ratio | 8.3979% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $600,681,333 | 1,491 |
| Average earning assets | $549,964,333 | 1,520 |
| Average equity | $58,783,667 | 1,458 |
| Average total loans | $373,392,000 | 1,462 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9679% | 161 |
| Cost of funding earning assets | 0.2292% | 2,410 |
| Net interest margin | 4.7387% | 128 |
| Noninterest income to average assets | 0.9357% | 786 |
| Noninterest expense to average assets | 3.6885% | 350 |
| Loan and lease loss provision to assets | 0.1098% | 759 |
| Net operating income to assets | 0.6441% | 3,251 |
| Return on assets (ROA) | 0.6441% | 3,231 |
| Pretax return on assets | 1.4822% | 1,049 |
| Return on Equity (ROE) | 6.4132% | 3,214 |
| Retained earnings to average equity (ytd only) | 2.6125% | 3,384 |
| Net charge-offs to loans | 0.0898% | 564 |
| Credit loss provision to net charge-offs | 195.1807% | 784 |
| Earnings coverage of net charge-offs (x) | 28.2892% | 1,158 |
| Efficiency ratio | 69.5300% | 2,296 |
| Assets per employee ($millions) | 3.6614% | 4,512 |
| Cash dividends to net income (ytd only)* | 59.2632% | 1,064 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2163% | 2,770 |
| Loan loss allowance to noncurrent loans | 563.3663% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 2,859 |
| Noncurrent loans to loans | 0.2159% | 2,741 |
| Net loans and leases to total assets | 61.1951% | 1,943 |
| Net loans and leases to deposits | 68.0791% | 2,147 |
| Net loans and leases to core deposits | 74.9041% | 1,860 |
| Total domestic deposits to total assets | 89.8882% | 1,633 |
| Equity capital to assets | 9.7865% | 2,063 |
| Core capital (leverage) ratio | 8.7322% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $589,938,500 | 1,530 |
| Average earning assets | $540,912,000 | 1,561 |
| Average equity | $59,253,000 | 1,503 |
| Average total loans | $369,648,000 | 1,461 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1150% | 76 |
| Cost of funding earning assets | 0.3389% | 2,033 |
| Net interest margin | 5.7762% | 63 |
| Noninterest income to average assets | 1.1999% | 733 |
| Noninterest expense to average assets | 3.8508% | 336 |
| Loan and lease loss provision to assets | 0.1446% | 826 |
| Net operating income to assets | 2.4679% | 166 |
| Return on assets (ROA) | 2.4403% | 174 |
| Pretax return on assets | 2.4403% | 280 |
| Return on Equity (ROE) | 24.2661% | 139 |
| Retained earnings to average equity (ytd only) | 11.8748% | 548 |
| Net charge-offs to loans | 0.0661% | 1,130 |
| Credit loss provision to net charge-offs | 334.5679% | 1,012 |
| Earnings coverage of net charge-offs (x) | 60.4444% | 1,168 |
| Efficiency ratio | 59.3016% | 3,254 |
| Assets per employee ($millions) | 3.5540% | 4,571 |
| Cash dividends to net income (ytd only)* | 51.0641% | 1,458 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2253% | 2,761 |
| Loan loss allowance to noncurrent loans | 521.3287% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 2,904 |
| Noncurrent loans to loans | 0.2350% | 2,788 |
| Net loans and leases to total assets | 62.6271% | 1,866 |
| Net loans and leases to deposits | 69.9570% | 2,138 |
| Net loans and leases to core deposits | 76.9774% | 1,844 |
| Total domestic deposits to total assets | 89.5222% | 1,224 |
| Equity capital to assets | 10.3140% | 2,351 |
| Core capital (leverage) ratio | 8.9002% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $562,222,800 | 1,534 |
| Average earning assets | $512,312,000 | 1,567 |
| Average equity | $56,539,800 | 1,597 |
| Average total loans | $367,347,400 | 1,470 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4304% | 62 |
| Cost of funding earning assets | 0.3627% | 1,999 |
| Net interest margin | 6.0677% | 52 |
| Noninterest income to average assets | 1.2230% | 765 |
| Noninterest expense to average assets | 3.8328% | 332 |
| Loan and lease loss provision to assets | 0.1789% | 597 |
| Net operating income to assets | 2.7275% | 165 |
| Return on assets (ROA) | 2.6893% | 177 |
| Pretax return on assets | 2.6893% | 255 |
| Return on Equity (ROE) | 26.9195% | 129 |
| Retained earnings to average equity (ytd only) | 14.0640% | 505 |
| Net charge-offs to loans | 0.0689% | 957 |
| Credit loss provision to net charge-offs | 394.7368% | 860 |
| Earnings coverage of net charge-offs (x) | 64.1158% | 1,105 |
| Efficiency ratio | 56.6042% | 3,460 |
| Assets per employee ($millions) | 3.4474% | 4,657 |
| Cash dividends to net income (ytd only)* | 47.7555% | 1,289 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2242% | 2,872 |
| Loan loss allowance to noncurrent loans | 762.9060% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 3,168 |
| Noncurrent loans to loans | 0.1605% | 3,319 |
| Net loans and leases to total assets | 63.3096% | 1,859 |
| Net loans and leases to deposits | 70.8692% | 2,157 |
| Net loans and leases to core deposits | 78.4550% | 1,859 |
| Total domestic deposits to total assets | 89.3331% | 1,105 |
| Equity capital to assets | 10.3406% | 2,576 |
| Core capital (leverage) ratio | 8.8471% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $558,843,500 | 1,557 |
| Average earning assets | $508,051,000 | 1,591 |
| Average equity | $55,829,250 | 1,628 |
| Average total loans | $367,923,750 | 1,489 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4125% | 64 |
| Cost of funding earning assets | 0.3904% | 1,965 |
| Net interest margin | 6.0221% | 58 |
| Noninterest income to average assets | 1.3314% | 667 |
| Noninterest expense to average assets | 3.8692% | 318 |
| Loan and lease loss provision to assets | 0.1890% | 595 |
| Net operating income to assets | 2.7380% | 163 |
| Return on assets (ROA) | 2.6804% | 184 |
| Pretax return on assets | 2.6804% | 268 |
| Return on Equity (ROE) | 27.1553% | 145 |
| Retained earnings to average equity (ytd only) | 14.7868% | 464 |
| Net charge-offs to loans | 0.0439% | 1,196 |
| Credit loss provision to net charge-offs | 648.1481% | 595 |
| Earnings coverage of net charge-offs (x) | 100.3704% | 750 |
| Efficiency ratio | 56.6668% | 3,453 |
| Assets per employee ($millions) | 3.3484% | 4,712 |
| Cash dividends to net income (ytd only)* | 45.5473% | 1,386 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1611% | 3,134 |
| Loan loss allowance to noncurrent loans | 568.2353% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 2,824 |
| Noncurrent loans to loans | 0.2043% | 3,225 |
| Net loans and leases to total assets | 65.3896% | 1,772 |
| Net loans and leases to deposits | 72.9927% | 2,111 |
| Net loans and leases to core deposits | 80.9360% | 1,808 |
| Total domestic deposits to total assets | 89.5838% | 984 |
| Equity capital to assets | 10.0672% | 2,795 |
| Core capital (leverage) ratio | 8.4960% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $555,520,000 | 1,560 |
| Average earning assets | $504,112,000 | 1,595 |
| Average equity | $54,832,667 | 1,649 |
| Average total loans | $369,039,333 | 1,487 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1192% | 89 |
| Cost of funding earning assets | 0.4273% | 1,879 |
| Net interest margin | 5.6919% | 82 |
| Noninterest income to average assets | 0.9391% | 1,238 |
| Noninterest expense to average assets | 3.7926% | 335 |
| Loan and lease loss provision to assets | 0.2180% | 535 |
| Net operating income to assets | 2.0700% | 521 |
| Return on assets (ROA) | 2.0947% | 536 |
| Pretax return on assets | 2.0947% | 814 |
| Return on Equity (ROE) | 21.4415% | 433 |
| Retained earnings to average equity (ytd only) | 10.7728% | 1,454 |
| Net charge-offs to loans | 0.0983% | 694 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 34.9778% | 1,031 |
| Efficiency ratio | 62.0727% | 2,744 |
| Assets per employee ($millions) | 3.6709% | 4,635 |
| Cash dividends to net income (ytd only)* | 49.7571% | 1,119 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1112% | 3,378 |
| Loan loss allowance to noncurrent loans | 601.4620% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 2,951 |
| Noncurrent loans to loans | 0.1847% | 3,443 |
| Net loans and leases to total assets | 64.3474% | 2,003 |
| Net loans and leases to deposits | 71.5041% | 2,363 |
| Net loans and leases to core deposits | 78.9911% | 2,096 |
| Total domestic deposits to total assets | 89.9912% | 826 |
| Equity capital to assets | 9.5518% | 3,148 |
| Core capital (leverage) ratio | 8.4594% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $550,342,000 | 1,562 |
| Average earning assets | $497,125,000 | 1,597 |
| Average equity | $53,765,000 | 1,658 |
| Average total loans | $366,373,500 | 1,504 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8167% | 49 |
| Cost of funding earning assets | 0.7900% | 1,251 |
| Net interest margin | 6.0267% | 44 |
| Noninterest income to average assets | 1.0964% | 888 |
| Noninterest expense to average assets | 4.3201% | 286 |
| Loan and lease loss provision to assets | 0.2643% | 1,462 |
| Net operating income to assets | 1.9466% | 288 |
| Return on assets (ROA) | 1.9620% | 307 |
| Pretax return on assets | 1.9620% | 495 |
| Return on Equity (ROE) | 19.9461% | 232 |
| Retained earnings to average equity (ytd only) | 10.3285% | 526 |
| Net charge-offs to loans | 0.2053% | 847 |
| Credit loss provision to net charge-offs | 175.5216% | 2,290 |
| Earnings coverage of net charge-offs (x) | 14.6843% | 2,204 |
| Efficiency ratio | 65.8245% | 2,558 |
| Assets per employee ($millions) | 3.1276% | 4,784 |
| Cash dividends to net income (ytd only)* | 48.2177% | 1,937 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0770% | 3,574 |
| Loan loss allowance to noncurrent loans | 230.3245% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 2,328 |
| Noncurrent loans to loans | 0.4676% | 2,563 |
| Net loans and leases to total assets | 67.4446% | 1,893 |
| Net loans and leases to deposits | 75.3120% | 2,350 |
| Net loans and leases to core deposits | 84.7369% | 1,970 |
| Total domestic deposits to total assets | 89.5536% | 752 |
| Equity capital to assets | 10.0022% | 3,131 |
| Core capital (leverage) ratio | 8.2922% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $477,562,200 | 1,618 |
| Average earning assets | $430,631,400 | 1,662 |
| Average equity | $46,976,600 | 1,791 |
| Average total loans | $350,244,600 | 1,507 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0948% | 45 |
| Cost of funding earning assets | 0.8714% | 1,169 |
| Net interest margin | 6.2233% | 39 |
| Noninterest income to average assets | 1.1108% | 843 |
| Noninterest expense to average assets | 4.4594% | 258 |
| Loan and lease loss provision to assets | 0.2692% | 1,512 |
| Net operating income to assets | 2.0067% | 292 |
| Return on assets (ROA) | 2.0251% | 306 |
| Pretax return on assets | 2.0251% | 494 |
| Return on Equity (ROE) | 20.6868% | 216 |
| Retained earnings to average equity (ytd only) | 10.8248% | 608 |
| Net charge-offs to loans | 0.0968% | 1,340 |
| Credit loss provision to net charge-offs | 371.8254% | 1,543 |
| Earnings coverage of net charge-offs (x) | 31.4325% | 1,544 |
| Efficiency ratio | 65.8846% | 2,483 |
| Assets per employee ($millions) | 3.1982% | 4,782 |
| Cash dividends to net income (ytd only)* | 47.6731% | 1,589 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0774% | 3,321 |
| Loan loss allowance to noncurrent loans | 272.0242% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 2,859 |
| Noncurrent loans to loans | 0.3961% | 2,870 |
| Net loans and leases to total assets | 70.3831% | 1,892 |
| Net loans and leases to deposits | 78.6310% | 2,464 |
| Net loans and leases to core deposits | 88.9232% | 2,073 |
| Total domestic deposits to total assets | 89.5106% | 583 |
| Equity capital to assets | 9.8616% | 3,364 |
| Core capital (leverage) ratio | 8.1496% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $464,029,500 | 1,637 |
| Average earning assets | $419,379,000 | 1,674 |
| Average equity | $45,425,500 | 1,828 |
| Average total loans | $347,180,250 | 1,508 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5390% | 42 |
| Cost of funding earning assets | 0.9675% | 1,079 |
| Net interest margin | 6.5716% | 42 |
| Noninterest income to average assets | 1.1567% | 745 |
| Noninterest expense to average assets | 4.6566% | 236 |
| Loan and lease loss provision to assets | 0.3193% | 1,340 |
| Net operating income to assets | 2.1264% | 250 |
| Return on assets (ROA) | 2.1463% | 265 |
| Pretax return on assets | 2.1463% | 399 |
| Return on Equity (ROE) | 21.9893% | 166 |
| Retained earnings to average equity (ytd only) | 11.6980% | 496 |
| Net charge-offs to loans | 0.1332% | 1,047 |
| Credit loss provision to net charge-offs | 314.2222% | 1,581 |
| Earnings coverage of net charge-offs (x) | 24.0667% | 1,586 |
| Efficiency ratio | 65.2464% | 2,623 |
| Assets per employee ($millions) | 3.1253% | 4,813 |
| Cash dividends to net income (ytd only)* | 46.8013% | 1,654 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0108% | 3,522 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 3,128 |
| Noncurrent loans to loans | 0.3567% | 3,123 |
| Net loans and leases to total assets | 71.6620% | 1,776 |
| Net loans and leases to deposits | 79.8894% | 2,439 |
| Net loans and leases to core deposits | 90.0301% | 2,069 |
| Total domestic deposits to total assets | 89.7015% | 492 |
| Equity capital to assets | 9.6694% | 3,509 |
| Core capital (leverage) ratio | 8.1424% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $442,807,667 | 1,675 |
| Average earning assets | $400,634,333 | 1,709 |
| Average equity | $43,221,000 | 1,876 |
| Average total loans | $337,756,000 | 1,519 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.0271% | 42 |
| Cost of funding earning assets | 1.1357% | 945 |
| Net interest margin | 6.8914% | 40 |
| Noninterest income to average assets | 1.3812% | 466 |
| Noninterest expense to average assets | 5.0955% | 215 |
| Loan and lease loss provision to assets | 0.3754% | 824 |
| Net operating income to assets | 2.1220% | 215 |
| Return on assets (ROA) | 2.1390% | 227 |
| Pretax return on assets | 2.1390% | 343 |
| Return on Equity (ROE) | 21.7811% | 116 |
| Retained earnings to average equity (ytd only) | 10.8500% | 588 |
| Net charge-offs to loans | 0.1769% | 754 |
| Credit loss provision to net charge-offs | 269.2857% | 1,247 |
| Earnings coverage of net charge-offs (x) | 17.9143% | 1,481 |
| Efficiency ratio | 66.7803% | 2,848 |
| Assets per employee ($millions) | 2.7653% | 4,880 |
| Cash dividends to net income (ytd only)* | 50.1862% | 1,621 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9925% | 3,751 |
| Loan loss allowance to noncurrent loans | 485.5601% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 3,716 |
| Noncurrent loans to loans | 0.2044% | 3,750 |
| Net loans and leases to total assets | 74.5942% | 1,519 |
| Net loans and leases to deposits | 83.6548% | 2,269 |
| Net loans and leases to core deposits | 95.4397% | 1,850 |
| Total domestic deposits to total assets | 89.1690% | 593 |
| Equity capital to assets | 10.0780% | 3,706 |
| Core capital (leverage) ratio | 8.4107% | 4,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0290% | 2,681 |
| Memoranda: |
| Average total assets | $401,687,500 | 1,763 |
| Average earning assets | $362,072,000 | 1,810 |
| Average equity | $39,447,000 | 2,005 |
| Average total loans | $316,583,000 | 1,569 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2781% | 63 |
| Cost of funding earning assets | 1.2215% | 972 |
| Net interest margin | 6.0566% | 65 |
| Noninterest income to average assets | 1.2486% | 607 |
| Noninterest expense to average assets | 5.0521% | 207 |
| Loan and lease loss provision to assets | 0.2030% | 1,002 |
| Net operating income to assets | 1.5511% | 940 |
| Return on assets (ROA) | 1.5630% | 973 |
| Pretax return on assets | 1.5630% | 1,608 |
| Return on Equity (ROE) | 17.0207% | 416 |
| Retained earnings to average equity (ytd only) | 2.8136% | 3,634 |
| Net charge-offs to loans | 0.2298% | 890 |
| Credit loss provision to net charge-offs | 106.0413% | 2,342 |
| Earnings coverage of net charge-offs (x) | 9.1638% | 2,694 |
| Efficiency ratio | 74.2276% | 1,581 |
| Assets per employee ($millions) | 2.5371% | 4,988 |
| Cash dividends to net income (ytd only)* | 83.4696% | 698 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2411% | 2,225 |
| Loan loss allowance to noncurrent loans | 616.3303% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,514 |
| Noncurrent loans to loans | 0.2014% | 3,733 |
| Net loans and leases to total assets | 82.9546% | 433 |
| Net loans and leases to deposits | 92.5420% | 1,304 |
| Net loans and leases to core deposits | 112.0423% | 753 |
| Total domestic deposits to total assets | 89.6400% | 453 |
| Equity capital to assets | 9.4355% | 4,398 |
| Core capital (leverage) ratio | 9.2837% | 4,294 |
| Tier 1 risk-based capital ratio | 12.3596% | 4,154 |
| Total risk-based capital ratio | 13.6113% | 4,017 |
| Memoranda: |
| Average total assets | $328,596,000 | 1,993 |
| Average earning assets | $301,520,000 | 2,012 |
| Average equity | $30,175,000 | 2,386 |
| Average total loans | $273,676,200 | 1,716 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2629% | 62 |
| Cost of funding earning assets | 1.2357% | 943 |
| Net interest margin | 6.0272% | 65 |
| Noninterest income to average assets | 1.2429% | 590 |
| Noninterest expense to average assets | 5.0087% | 211 |
| Loan and lease loss provision to assets | 0.2088% | 843 |
| Net operating income to assets | 1.5639% | 1,013 |
| Return on assets (ROA) | 1.5764% | 1,037 |
| Pretax return on assets | 1.5764% | 1,713 |
| Return on Equity (ROE) | 17.2825% | 450 |
| Retained earnings to average equity (ytd only) | 5.0777% | 2,856 |
| Net charge-offs to loans | 0.2658% | 662 |
| Credit loss provision to net charge-offs | 94.5155% | 2,349 |
| Earnings coverage of net charge-offs (x) | 8.0255% | 2,695 |
| Efficiency ratio | 73.8597% | 1,588 |
| Assets per employee ($millions) | 2.5073% | 5,075 |
| Cash dividends to net income (ytd only)* | 70.6200% | 935 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2260% | 2,363 |
| Loan loss allowance to noncurrent loans | 519.9052% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 3,432 |
| Noncurrent loans to loans | 0.2358% | 3,697 |
| Net loans and leases to total assets | 83.9281% | 361 |
| Net loans and leases to deposits | 94.2416% | 1,202 |
| Net loans and leases to core deposits | 113.6572% | 771 |
| Total domestic deposits to total assets | 89.0563% | 592 |
| Equity capital to assets | 9.7244% | 4,270 |
| Core capital (leverage) ratio | 9.1052% | 4,551 |
| Tier 1 risk-based capital ratio | 12.6043% | 4,079 |
| Total risk-based capital ratio | 13.8560% | 3,956 |
| Memoranda: |
| Average total assets | $330,192,500 | 1,992 |
| Average earning assets | $303,414,750 | 2,012 |
| Average equity | $30,118,250 | 2,404 |
| Average total loans | $274,433,500 | 1,728 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1803% | 64 |
| Cost of funding earning assets | 1.2206% | 937 |
| Net interest margin | 5.9597% | 68 |
| Noninterest income to average assets | 1.1996% | 591 |
| Noninterest expense to average assets | 4.8980% | 230 |
| Loan and lease loss provision to assets | 0.2167% | 772 |
| Net operating income to assets | 1.5513% | 1,009 |
| Return on assets (ROA) | 1.5674% | 1,018 |
| Pretax return on assets | 1.5674% | 1,645 |
| Return on Equity (ROE) | 17.5484% | 404 |
| Retained earnings to average equity (ytd only) | 5.3213% | 2,615 |
| Net charge-offs to loans | 0.2880% | 590 |
| Credit loss provision to net charge-offs | 91.2060% | 2,120 |
| Earnings coverage of net charge-offs (x) | 7.4397% | 2,490 |
| Efficiency ratio | 73.4772% | 1,704 |
| Assets per employee ($millions) | 2.5421% | 5,109 |
| Cash dividends to net income (ytd only)* | 69.6762% | 1,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2152% | 2,443 |
| Loan loss allowance to noncurrent loans | 333.6041% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 2,818 |
| Noncurrent loans to loans | 0.3643% | 3,220 |
| Net loans and leases to total assets | 80.2117% | 849 |
| Net loans and leases to deposits | 90.6393% | 1,672 |
| Net loans and leases to core deposits | 111.5327% | 884 |
| Total domestic deposits to total assets | 88.4955% | 879 |
| Equity capital to assets | 9.1105% | 4,732 |
| Core capital (leverage) ratio | 8.7127% | 4,831 |
| Tier 1 risk-based capital ratio | 12.2868% | 4,245 |
| Total risk-based capital ratio | 13.5381% | 4,114 |
| Memoranda: |
| Average total assets | $334,950,670 | 1,985 |
| Average earning assets | $307,229,330 | 1,998 |
| Average equity | $29,917,330 | 2,402 |
| Average total loans | $276,433,000 | 1,729 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1068% | 67 |
| Cost of funding earning assets | 1.1717% | 982 |
| Net interest margin | 5.9351% | 75 |
| Noninterest income to average assets | 1.1860% | 576 |
| Noninterest expense to average assets | 4.7737% | 242 |
| Loan and lease loss provision to assets | 0.2894% | 457 |
| Net operating income to assets | 1.5694% | 964 |
| Return on assets (ROA) | 1.5837% | 955 |
| Pretax return on assets | 1.5837% | 1,516 |
| Return on Equity (ROE) | 17.9085% | 406 |
| Retained earnings to average equity (ytd only) | 5.3591% | 2,759 |
| Net charge-offs to loans | 0.4523% | 337 |
| Credit loss provision to net charge-offs | 76.8987% | 1,804 |
| Earnings coverage of net charge-offs (x) | 4.9399% | 2,296 |
| Efficiency ratio | 71.9749% | 2,047 |
| Assets per employee ($millions) | 2.5275% | 5,178 |
| Cash dividends to net income (ytd only)* | 70.0752% | 1,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1644% | 2,770 |
| Loan loss allowance to noncurrent loans | 390.3846% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 2,974 |
| Noncurrent loans to loans | 0.2983% | 3,494 |
| Net loans and leases to total assets | 82.0141% | 585 |
| Net loans and leases to deposits | 94.5326% | 1,109 |
| Net loans and leases to core deposits | 114.8994% | 693 |
| Total domestic deposits to total assets | 86.7575% | 1,930 |
| Equity capital to assets | 8.8995% | 4,751 |
| Core capital (leverage) ratio | 8.6481% | 4,918 |
| Tier 1 risk-based capital ratio | 11.7099% | 4,615 |
| Total risk-based capital ratio | 12.9605% | 4,511 |
| Memoranda: |
| Average total assets | $335,921,000 | 1,992 |
| Average earning assets | $308,269,000 | 2,010 |
| Average equity | $29,706,500 | 2,422 |
| Average total loans | $279,450,000 | 1,723 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3192% | 60 |
| Cost of funding earning assets | 1.0236% | 686 |
| Net interest margin | 6.2956% | 58 |
| Noninterest income to average assets | 1.2994% | 551 |
| Noninterest expense to average assets | 5.1351% | 188 |
| Loan and lease loss provision to assets | 0.1838% | 1,057 |
| Net operating income to assets | 1.7269% | 646 |
| Return on assets (ROA) | 1.7413% | 628 |
| Pretax return on assets | 1.7413% | 1,067 |
| Return on Equity (ROE) | 19.7924% | 260 |
| Retained earnings to average equity (ytd only) | 5.7148% | 2,349 |
| Net charge-offs to loans | 0.1437% | 1,326 |
| Credit loss provision to net charge-offs | 152.5510% | 1,801 |
| Earnings coverage of net charge-offs (x) | 15.8597% | 2,295 |
| Efficiency ratio | 72.8823% | 1,786 |
| Assets per employee ($millions) | 2.5240% | 5,202 |
| Cash dividends to net income (ytd only)* | 71.1260% | 1,025 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1862% | 2,643 |
| Loan loss allowance to noncurrent loans | 288.2813% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 2,654 |
| Noncurrent loans to loans | 0.4115% | 3,058 |
| Net loans and leases to total assets | 82.4090% | 601 |
| Net loans and leases to deposits | 94.8296% | 1,190 |
| Net loans and leases to core deposits | 114.4106% | 763 |
| Total domestic deposits to total assets | 86.9022% | 1,824 |
| Equity capital to assets | 8.7870% | 4,743 |
| Core capital (leverage) ratio | 8.5516% | 4,995 |
| Tier 1 risk-based capital ratio | 11.5364% | 4,708 |
| Total risk-based capital ratio | 12.7874% | 4,610 |
| Memoranda: |
| Average total assets | $325,386,800 | 2,020 |
| Average earning assets | $296,999,600 | 2,038 |
| Average equity | $28,627,200 | 2,422 |
| Average total loans | $272,818,800 | 1,710 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2941% | 56 |
| Cost of funding earning assets | 0.9811% | 640 |
| Net interest margin | 6.3130% | 59 |
| Noninterest income to average assets | 1.2692% | 596 |
| Noninterest expense to average assets | 5.1187% | 188 |
| Loan and lease loss provision to assets | 0.1962% | 895 |
| Net operating income to assets | 1.7108% | 725 |
| Return on assets (ROA) | 1.7265% | 712 |
| Pretax return on assets | 1.7265% | 1,214 |
| Return on Equity (ROE) | 19.6172% | 295 |
| Retained earnings to average equity (ytd only) | 5.4065% | 3,003 |
| Net charge-offs to loans | 0.1358% | 1,191 |
| Credit loss provision to net charge-offs | 172.1014% | 1,553 |
| Earnings coverage of net charge-offs (x) | 16.7283% | 2,150 |
| Efficiency ratio | 72.8571% | 1,755 |
| Assets per employee ($millions) | 2.4440% | 5,299 |
| Cash dividends to net income (ytd only)* | 72.4402% | 773 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1983% | 2,636 |
| Loan loss allowance to noncurrent loans | 298.2898% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 2,738 |
| Noncurrent loans to loans | 0.4017% | 3,210 |
| Net loans and leases to total assets | 83.4348% | 524 |
| Net loans and leases to deposits | 96.4678% | 1,097 |
| Net loans and leases to core deposits | 116.0880% | 709 |
| Total domestic deposits to total assets | 86.4897% | 1,971 |
| Equity capital to assets | 8.8559% | 4,674 |
| Core capital (leverage) ratio | 8.6129% | 5,023 |
| Tier 1 risk-based capital ratio | 11.5124% | 4,785 |
| Total risk-based capital ratio | 12.7639% | 4,670 |
| Memoranda: |
| Average total assets | $322,811,250 | 2,042 |
| Average earning assets | $294,349,750 | 2,063 |
| Average equity | $28,409,750 | 2,438 |
| Average total loans | $271,033,750 | 1,723 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2201% | 55 |
| Cost of funding earning assets | 0.9519% | 578 |
| Net interest margin | 6.2682% | 62 |
| Noninterest income to average assets | 1.3055% | 565 |
| Noninterest expense to average assets | 5.1275% | 200 |
| Loan and lease loss provision to assets | 0.1899% | 921 |
| Net operating income to assets | 1.6909% | 733 |
| Return on assets (ROA) | 1.7021% | 724 |
| Pretax return on assets | 1.7021% | 1,205 |
| Return on Equity (ROE) | 19.3818% | 304 |
| Retained earnings to average equity (ytd only) | 4.9270% | 3,114 |
| Net charge-offs to loans | 0.1122% | 1,252 |
| Credit loss provision to net charge-offs | 201.9868% | 1,294 |
| Earnings coverage of net charge-offs (x) | 20.0066% | 1,831 |
| Efficiency ratio | 73.1634% | 1,825 |
| Assets per employee ($millions) | 2.4484% | 5,347 |
| Cash dividends to net income (ytd only)* | 74.5794% | 863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1962% | 2,745 |
| Loan loss allowance to noncurrent loans | 277.5042% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 2,692 |
| Noncurrent loans to loans | 0.4310% | 3,153 |
| Net loans and leases to total assets | 83.5499% | 519 |
| Net loans and leases to deposits | 97.2593% | 1,017 |
| Net loans and leases to core deposits | 113.9205% | 798 |
| Total domestic deposits to total assets | 85.9043% | 2,328 |
| Equity capital to assets | 8.8361% | 4,690 |
| Core capital (leverage) ratio | 8.5170% | 5,095 |
| Tier 1 risk-based capital ratio | 11.4354% | 4,813 |
| Total risk-based capital ratio | 12.6867% | 4,722 |
| Memoranda: |
| Average total assets | $321,248,670 | 2,057 |
| Average earning assets | $292,269,000 | 2,086 |
| Average equity | $28,212,000 | 2,461 |
| Average total loans | $269,191,000 | 1,737 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0887% | 56 |
| Cost of funding earning assets | 0.9295% | 517 |
| Net interest margin | 6.1592% | 59 |
| Noninterest income to average assets | 1.3388% | 521 |
| Noninterest expense to average assets | 5.1255% | 204 |
| Loan and lease loss provision to assets | 0.1873% | 905 |
| Net operating income to assets | 1.6286% | 803 |
| Return on assets (ROA) | 1.6336% | 792 |
| Pretax return on assets | 1.6336% | 1,287 |
| Return on Equity (ROE) | 18.6594% | 346 |
| Retained earnings to average equity (ytd only) | 4.7219% | 3,300 |
| Net charge-offs to loans | 0.1647% | 865 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 13.2182% | 1,764 |
| Efficiency ratio | 73.8395% | 1,916 |
| Assets per employee ($millions) | 2.3911% | 5,420 |
| Cash dividends to net income (ytd only)* | 74.6942% | 927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1789% | 2,942 |
| Loan loss allowance to noncurrent loans | 223.1259% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 2,739 |
| Noncurrent loans to loans | 0.5283% | 2,940 |
| Net loans and leases to total assets | 81.9329% | 673 |
| Net loans and leases to deposits | 95.1514% | 1,115 |
| Net loans and leases to core deposits | 110.8937% | 954 |
| Total domestic deposits to total assets | 86.1080% | 2,503 |
| Equity capital to assets | 8.7371% | 4,797 |
| Core capital (leverage) ratio | 8.5329% | 5,123 |
| Tier 1 risk-based capital ratio | 11.4401% | 4,889 |
| Total risk-based capital ratio | 12.6911% | 4,787 |
| Memoranda: |
| Average total assets | $320,281,000 | 2,076 |
| Average earning assets | $291,338,000 | 2,116 |
| Average equity | $28,039,500 | 2,488 |
| Average total loans | $267,142,000 | 1,759 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1698% | 54 |
| Cost of funding earning assets | 0.8902% | 395 |
| Net interest margin | 6.2797% | 56 |
| Noninterest income to average assets | 1.2107% | 711 |
| Noninterest expense to average assets | 5.1374% | 204 |
| Loan and lease loss provision to assets | 0.2913% | 597 |
| Net operating income to assets | 1.4790% | 850 |
| Return on assets (ROA) | 1.5011% | 819 |
| Pretax return on assets | 1.5011% | 1,642 |
| Return on Equity (ROE) | 17.4062% | 358 |
| Retained earnings to average equity (ytd only) | 4.3708% | 2,533 |
| Net charge-offs to loans | 0.3182% | 797 |
| Credit loss provision to net charge-offs | 111.4873% | 2,336 |
| Earnings coverage of net charge-offs (x) | 6.7751% | 3,139 |
| Efficiency ratio | 74.3722% | 1,845 |
| Assets per employee ($millions) | 2.3365% | 5,506 |
| Cash dividends to net income (ytd only)* | 74.8895% | 1,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1682% | 2,970 |
| Loan loss allowance to noncurrent loans | 368.6391% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 3,304 |
| Noncurrent loans to loans | 0.3169% | 3,645 |
| Net loans and leases to total assets | 82.9346% | 572 |
| Net loans and leases to deposits | 96.3643% | 1,055 |
| Net loans and leases to core deposits | 112.8508% | 847 |
| Total domestic deposits to total assets | 86.0636% | 2,404 |
| Equity capital to assets | 8.7725% | 4,911 |
| Core capital (leverage) ratio | 8.4947% | 5,141 |
| Tier 1 risk-based capital ratio | 11.3491% | 4,949 |
| Total risk-based capital ratio | 12.5999% | 4,828 |
| Memoranda: |
| Average total assets | $316,501,200 | 2,084 |
| Average earning assets | $287,133,400 | 2,115 |
| Average equity | $27,294,800 | 2,524 |
| Average total loans | $259,915,000 | 1,761 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1274% | 53 |
| Cost of funding earning assets | 0.8796% | 392 |
| Net interest margin | 6.2477% | 59 |
| Noninterest income to average assets | 1.2330% | 691 |
| Noninterest expense to average assets | 5.0973% | 211 |
| Loan and lease loss provision to assets | 0.2960% | 529 |
| Net operating income to assets | 1.5033% | 891 |
| Return on assets (ROA) | 1.5210% | 880 |
| Pretax return on assets | 1.5210% | 1,703 |
| Return on Equity (ROE) | 17.7138% | 358 |
| Retained earnings to average equity (ytd only) | 4.4444% | 3,256 |
| Net charge-offs to loans | 0.3227% | 650 |
| Credit loss provision to net charge-offs | 112.3200% | 2,117 |
| Earnings coverage of net charge-offs (x) | 6.8272% | 2,938 |
| Efficiency ratio | 73.9101% | 1,909 |
| Assets per employee ($millions) | 2.3308% | 5,567 |
| Cash dividends to net income (ytd only)* | 74.9100% | 795 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1681% | 3,101 |
| Loan loss allowance to noncurrent loans | 155.5500% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 2,025 |
| Noncurrent loans to loans | 0.7509% | 2,486 |
| Net loans and leases to total assets | 82.6676% | 582 |
| Net loans and leases to deposits | 96.2855% | 1,091 |
| Net loans and leases to core deposits | 113.2624% | 878 |
| Total domestic deposits to total assets | 85.8567% | 2,368 |
| Equity capital to assets | 8.7048% | 5,143 |
| Core capital (leverage) ratio | 8.4218% | 5,302 |
| Tier 1 risk-based capital ratio | 11.2216% | 5,123 |
| Total risk-based capital ratio | 12.4722% | 5,023 |
| Memoranda: |
| Average total assets | $316,185,250 | 2,092 |
| Average earning assets | $286,624,750 | 2,130 |
| Average equity | $27,149,500 | 2,550 |
| Average total loans | $258,230,750 | 1,778 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0181% | 59 |
| Cost of funding earning assets | 0.8668% | 376 |
| Net interest margin | 6.1513% | 65 |
| Noninterest income to average assets | 1.2339% | 683 |
| Noninterest expense to average assets | 5.0481% | 214 |
| Loan and lease loss provision to assets | 0.2830% | 558 |
| Net operating income to assets | 1.4871% | 893 |
| Return on assets (ROA) | 1.5067% | 879 |
| Pretax return on assets | 1.5067% | 1,606 |
| Return on Equity (ROE) | 17.6285% | 361 |
| Retained earnings to average equity (ytd only) | 4.4886% | 3,041 |
| Net charge-offs to loans | 0.2985% | 680 |
| Credit loss provision to net charge-offs | 117.0157% | 1,814 |
| Earnings coverage of net charge-offs (x) | 7.3194% | 2,617 |
| Efficiency ratio | 74.0390% | 2,010 |
| Assets per employee ($millions) | 2.3122% | 5,617 |
| Cash dividends to net income (ytd only)* | 74.5378% | 993 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1883% | 3,097 |
| Loan loss allowance to noncurrent loans | 179.4648% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 1,959 |
| Noncurrent loans to loans | 0.6622% | 2,763 |
| Net loans and leases to total assets | 80.3913% | 889 |
| Net loans and leases to deposits | 94.1662% | 1,245 |
| Net loans and leases to core deposits | 110.3768% | 985 |
| Total domestic deposits to total assets | 85.3717% | 2,661 |
| Equity capital to assets | 8.5534% | 5,265 |
| Core capital (leverage) ratio | 8.3156% | 5,343 |
| Tier 1 risk-based capital ratio | 11.3219% | 5,077 |
| Total risk-based capital ratio | 12.5726% | 4,959 |
| Memoranda: |
| Average total assets | $315,918,670 | 2,101 |
| Average earning assets | $286,802,000 | 2,132 |
| Average equity | $27,001,670 | 2,562 |
| Average total loans | $255,927,330 | 1,787 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9196% | 62 |
| Cost of funding earning assets | 0.8537% | 372 |
| Net interest margin | 6.0659% | 75 |
| Noninterest income to average assets | 1.2191% | 694 |
| Noninterest expense to average assets | 4.8356% | 263 |
| Loan and lease loss provision to assets | 0.2189% | 730 |
| Net operating income to assets | 1.6619% | 594 |
| Return on assets (ROA) | 1.6874% | 582 |
| Pretax return on assets | 1.6874% | 1,034 |
| Return on Equity (ROE) | 19.7498% | 243 |
| Retained earnings to average equity (ytd only) | 4.9896% | 2,902 |
| Net charge-offs to loans | 0.2503% | 720 |
| Credit loss provision to net charge-offs | 108.1761% | 1,491 |
| Earnings coverage of net charge-offs (x) | 9.2956% | 2,001 |
| Efficiency ratio | 71.9970% | 2,576 |
| Assets per employee ($millions) | 2.3029% | 5,687 |
| Cash dividends to net income (ytd only)* | 74.7360% | 1,063 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1899% | 3,197 |
| Loan loss allowance to noncurrent loans | 140.7889% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 1,833 |
| Noncurrent loans to loans | 0.8451% | 2,345 |
| Net loans and leases to total assets | 79.8591% | 851 |
| Net loans and leases to deposits | 93.5213% | 1,162 |
| Net loans and leases to core deposits | 110.3412% | 865 |
| Total domestic deposits to total assets | 85.3913% | 2,926 |
| Equity capital to assets | 8.5643% | 5,191 |
| Core capital (leverage) ratio | 8.4152% | 5,284 |
| Tier 1 risk-based capital ratio | 11.4375% | 5,072 |
| Total risk-based capital ratio | 12.6886% | 4,967 |
| Memoranda: |
| Average total assets | $314,334,000 | 2,127 |
| Average earning assets | $284,873,000 | 2,164 |
| Average equity | $26,856,000 | 2,583 |
| Average total loans | $254,089,000 | 1,812 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3503% | 49 |
| Cost of funding earning assets | 0.8286% | 433 |
| Net interest margin | 6.5217% | 53 |
| Noninterest income to average assets | 1.1830% | 808 |
| Noninterest expense to average assets | 5.0698% | 248 |
| Loan and lease loss provision to assets | 0.5290% | 263 |
| Net operating income to assets | 1.4851% | 860 |
| Return on assets (ROA) | 1.4851% | 879 |
| Pretax return on assets | 1.4851% | 1,639 |
| Return on Equity (ROE) | 17.5094% | 361 |
| Retained earnings to average equity (ytd only) | 4.4480% | 2,745 |
| Net charge-offs to loans | 0.6268% | 360 |
| Credit loss provision to net charge-offs | 100.6165% | 2,546 |
| Earnings coverage of net charge-offs (x) | 3.8311% | 3,602 |
| Efficiency ratio | 71.5684% | 2,654 |
| Assets per employee ($millions) | 2.2369% | 5,752 |
| Cash dividends to net income (ytd only)* | 74.5962% | 1,113 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1928% | 3,162 |
| Loan loss allowance to noncurrent loans | 279.1128% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 3,006 |
| Noncurrent loans to loans | 0.4273% | 3,607 |
| Net loans and leases to total assets | 79.8832% | 910 |
| Net loans and leases to deposits | 93.2361% | 1,272 |
| Net loans and leases to core deposits | 110.5040% | 862 |
| Total domestic deposits to total assets | 85.6784% | 2,741 |
| Equity capital to assets | 8.5231% | 5,253 |
| Core capital (leverage) ratio | 8.1839% | 5,513 |
| Tier 1 risk-based capital ratio | 11.5665% | 5,010 |
| Total risk-based capital ratio | 12.8178% | 4,915 |
| Memoranda: |
| Average total assets | $308,534,400 | 2,120 |
| Average earning assets | $279,159,800 | 2,161 |
| Average equity | $26,168,800 | 2,621 |
| Average total loans | $258,788,000 | 1,741 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4064% | 47 |
| Cost of funding earning assets | 0.8153% | 462 |
| Net interest margin | 6.5910% | 49 |
| Noninterest income to average assets | 1.1911% | 816 |
| Noninterest expense to average assets | 4.9927% | 268 |
| Loan and lease loss provision to assets | 0.5596% | 209 |
| Net operating income to assets | 1.5893% | 746 |
| Return on assets (ROA) | 1.5893% | 787 |
| Pretax return on assets | 1.5893% | 1,413 |
| Return on Equity (ROE) | 18.7618% | 315 |
| Retained earnings to average equity (ytd only) | 4.9823% | 2,842 |
| Net charge-offs to loans | 0.6513% | 308 |
| Credit loss provision to net charge-offs | 101.4949% | 2,319 |
| Earnings coverage of net charge-offs (x) | 3.8977% | 3,344 |
| Efficiency ratio | 69.9101% | 2,898 |
| Assets per employee ($millions) | 2.2339% | 5,821 |
| Cash dividends to net income (ytd only)* | 73.4443% | 934 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1570% | 3,502 |
| Loan loss allowance to noncurrent loans | 201.2625% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 1,863 |
| Noncurrent loans to loans | 0.5749% | 3,278 |
| Net loans and leases to total assets | 83.3347% | 474 |
| Net loans and leases to deposits | 98.0906% | 844 |
| Net loans and leases to core deposits | 117.3406% | 599 |
| Total domestic deposits to total assets | 84.9568% | 2,826 |
| Equity capital to assets | 8.5351% | 5,510 |
| Core capital (leverage) ratio | 8.1902% | 5,581 |
| Tier 1 risk-based capital ratio | 11.0022% | 5,367 |
| Total risk-based capital ratio | 12.2527% | 5,283 |
| Memoranda: |
| Average total assets | $307,375,250 | 2,130 |
| Average earning assets | $277,501,750 | 2,178 |
| Average equity | $26,038,000 | 2,655 |
| Average total loans | $260,187,250 | 1,731 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4563% | 46 |
| Cost of funding earning assets | 0.7953% | 509 |
| Net interest margin | 6.6610% | 46 |
| Noninterest income to average assets | 1.1863% | 801 |
| Noninterest expense to average assets | 4.9509% | 277 |
| Loan and lease loss provision to assets | 0.4701% | 292 |
| Net operating income to assets | 1.7752% | 496 |
| Return on assets (ROA) | 1.7752% | 525 |
| Pretax return on assets | 1.7752% | 926 |
| Return on Equity (ROE) | 21.0099% | 194 |
| Retained earnings to average equity (ytd only) | 5.3471% | 2,519 |
| Net charge-offs to loans | 0.6016% | 350 |
| Credit loss provision to net charge-offs | 92.1895% | 2,216 |
| Earnings coverage of net charge-offs (x) | 4.4033% | 2,991 |
| Efficiency ratio | 68.7988% | 3,194 |
| Assets per employee ($millions) | 2.2326% | 5,884 |
| Cash dividends to net income (ytd only)* | 74.5495% | 1,041 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1237% | 3,817 |
| Loan loss allowance to noncurrent loans | 166.9875% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 2,135 |
| Noncurrent loans to loans | 0.6729% | 3,049 |
| Net loans and leases to total assets | 83.6164% | 450 |
| Net loans and leases to deposits | 98.2016% | 869 |
| Net loans and leases to core deposits | 118.7011% | 548 |
| Total domestic deposits to total assets | 85.1476% | 2,800 |
| Equity capital to assets | 8.4496% | 5,625 |
| Core capital (leverage) ratio | 8.0050% | 5,728 |
| Tier 1 risk-based capital ratio | 10.8113% | 5,521 |
| Total risk-based capital ratio | 12.0613% | 5,444 |
| Memoranda: |
| Average total assets | $306,327,330 | 2,138 |
| Average earning assets | $276,385,000 | 2,191 |
| Average equity | $25,883,000 | 2,676 |
| Average total loans | $259,650,000 | 1,739 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4461% | 49 |
| Cost of funding earning assets | 0.7670% | 586 |
| Net interest margin | 6.6791% | 48 |
| Noninterest income to average assets | 1.1961% | 766 |
| Noninterest expense to average assets | 4.9513% | 284 |
| Loan and lease loss provision to assets | 0.4101% | 334 |
| Net operating income to assets | 1.8323% | 452 |
| Return on assets (ROA) | 1.8323% | 481 |
| Pretax return on assets | 1.8323% | 802 |
| Return on Equity (ROE) | 21.6851% | 171 |
| Retained earnings to average equity (ytd only) | 5.8180% | 2,461 |
| Net charge-offs to loans | 0.3655% | 604 |
| Credit loss provision to net charge-offs | 132.2034% | 1,354 |
| Earnings coverage of net charge-offs (x) | 7.2288% | 2,162 |
| Efficiency ratio | 68.8288% | 3,323 |
| Assets per employee ($millions) | 2.2965% | 5,930 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,122 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1855% | 3,568 |
| Loan loss allowance to noncurrent loans | 178.0727% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 2,542 |
| Noncurrent loans to loans | 0.6658% | 3,176 |
| Net loans and leases to total assets | 81.7536% | 593 |
| Net loans and leases to deposits | 95.6123% | 976 |
| Net loans and leases to core deposits | 117.4355% | 552 |
| Total domestic deposits to total assets | 85.5054% | 2,913 |
| Equity capital to assets | 8.2329% | 5,722 |
| Core capital (leverage) ratio | 8.1538% | 5,682 |
| Tier 1 risk-based capital ratio | 10.7993% | 5,601 |
| Total risk-based capital ratio | 12.0503% | 5,509 |
| Memoranda: |
| Average total assets | $304,324,000 | 2,158 |
| Average earning assets | $273,271,500 | 2,218 |
| Average equity | $25,713,500 | 2,684 |
| Average total loans | $258,255,500 | 1,743 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4712% | 48 |
| Cost of funding earning assets | 0.6958% | 838 |
| Net interest margin | 6.7754% | 48 |
| Noninterest income to average assets | 1.2089% | 817 |
| Noninterest expense to average assets | 5.2214% | 240 |
| Loan and lease loss provision to assets | 0.3903% | 358 |
| Net operating income to assets | 1.6985% | 580 |
| Return on assets (ROA) | 1.6985% | 596 |
| Pretax return on assets | 1.6985% | 995 |
| Return on Equity (ROE) | 20.1867% | 245 |
| Retained earnings to average equity (ytd only) | 4.8030% | 2,567 |
| Net charge-offs to loans | 0.3508% | 845 |
| Credit loss provision to net charge-offs | 133.0189% | 1,968 |
| Earnings coverage of net charge-offs (x) | 7.1191% | 3,115 |
| Efficiency ratio | 71.4265% | 2,999 |
| Assets per employee ($millions) | 2.0853% | 6,031 |
| Cash dividends to net income (ytd only)* | 76.2070% | 1,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1748% | 3,613 |
| Loan loss allowance to noncurrent loans | 182.5349% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 2,334 |
| Noncurrent loans to loans | 0.6436% | 3,250 |
| Net loans and leases to total assets | 86.1149% | 223 |
| Net loans and leases to deposits | 103.9401% | 440 |
| Net loans and leases to core deposits | 123.4627% | 392 |
| Total domestic deposits to total assets | 82.8505% | 3,887 |
| Equity capital to assets | 8.6810% | 5,404 |
| Core capital (leverage) ratio | 8.4594% | 5,468 |
| Tier 1 risk-based capital ratio | 10.7692% | 5,639 |
| Total risk-based capital ratio | 12.0200% | 5,554 |
| Memoranda: |
| Average total assets | $289,023,800 | 2,216 |
| Average earning assets | $260,266,400 | 2,265 |
| Average equity | $24,318,000 | 2,756 |
| Average total loans | $241,704,000 | 1,786 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3785% | 50 |
| Cost of funding earning assets | 0.6904% | 883 |
| Net interest margin | 6.6881% | 52 |
| Noninterest income to average assets | 1.1560% | 893 |
| Noninterest expense to average assets | 5.2058% | 244 |
| Loan and lease loss provision to assets | 0.3730% | 345 |
| Net operating income to assets | 1.6276% | 724 |
| Return on assets (ROA) | 1.6276% | 748 |
| Pretax return on assets | 1.6276% | 1,306 |
| Return on Equity (ROE) | 19.5028% | 305 |
| Retained earnings to average equity (ytd only) | 4.1304% | 3,526 |
| Net charge-offs to loans | 0.3646% | 718 |
| Credit loss provision to net charge-offs | 123.6559% | 1,937 |
| Earnings coverage of net charge-offs (x) | 6.6329% | 3,023 |
| Efficiency ratio | 72.2387% | 2,833 |
| Assets per employee ($millions) | 2.1390% | 6,102 |
| Cash dividends to net income (ytd only)* | 78.8216% | 774 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1638% | 3,848 |
| Loan loss allowance to noncurrent loans | 175.4866% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 2,746 |
| Noncurrent loans to loans | 0.6632% | 3,343 |
| Net loans and leases to total assets | 84.2201% | 369 |
| Net loans and leases to deposits | 101.4022% | 586 |
| Net loans and leases to core deposits | 123.3340% | 394 |
| Total domestic deposits to total assets | 83.0555% | 3,801 |
| Equity capital to assets | 8.6292% | 5,622 |
| Core capital (leverage) ratio | 8.3232% | 5,697 |
| Tier 1 risk-based capital ratio | 10.9046% | 5,703 |
| Total risk-based capital ratio | 12.1553% | 5,622 |
| Memoranda: |
| Average total assets | $287,774,500 | 2,238 |
| Average earning assets | $260,335,250 | 2,283 |
| Average equity | $24,016,500 | 2,802 |
| Average total loans | $238,078,500 | 1,817 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2236% | 55 |
| Cost of funding earning assets | 0.6824% | 924 |
| Net interest margin | 6.5412% | 55 |
| Noninterest income to average assets | 1.1349% | 939 |
| Noninterest expense to average assets | 5.2251% | 251 |
| Loan and lease loss provision to assets | 0.3871% | 317 |
| Net operating income to assets | 1.4599% | 966 |
| Return on assets (ROA) | 1.4599% | 1,016 |
| Pretax return on assets | 1.4599% | 1,766 |
| Return on Equity (ROE) | 17.6965% | 431 |
| Retained earnings to average equity (ytd only) | 2.5619% | 4,426 |
| Net charge-offs to loans | 0.3782% | 689 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 5.9640% | 2,853 |
| Efficiency ratio | 73.8830% | 2,692 |
| Assets per employee ($millions) | 2.0676% | 6,204 |
| Cash dividends to net income (ytd only)* | 85.5232% | 808 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1802% | 3,903 |
| Loan loss allowance to noncurrent loans | 264.8649% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 3,284 |
| Noncurrent loans to loans | 0.4456% | 4,138 |
| Net loans and leases to total assets | 82.8006% | 495 |
| Net loans and leases to deposits | 98.3733% | 763 |
| Net loans and leases to core deposits | 119.9730% | 467 |
| Total domestic deposits to total assets | 84.1698% | 3,494 |
| Equity capital to assets | 8.5813% | 5,613 |
| Core capital (leverage) ratio | 8.2096% | 5,783 |
| Tier 1 risk-based capital ratio | 11.0406% | 5,690 |
| Total risk-based capital ratio | 12.2917% | 5,612 |
| Memoranda: |
| Average total assets | $286,730,000 | 2,260 |
| Average earning assets | $260,256,670 | 2,294 |
| Average equity | $23,654,330 | 2,847 |
| Average total loans | $234,808,670 | 1,841 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0760% | 55 |
| Cost of funding earning assets | 0.6788% | 956 |
| Net interest margin | 6.3972% | 58 |
| Noninterest income to average assets | 1.1299% | 878 |
| Noninterest expense to average assets | 5.2850% | 246 |
| Loan and lease loss provision to assets | 0.3073% | 463 |
| Net operating income to assets | 1.3422% | 1,158 |
| Return on assets (ROA) | 1.3422% | 1,224 |
| Pretax return on assets | 1.3422% | 2,111 |
| Return on Equity (ROE) | 16.6044% | 506 |
| Retained earnings to average equity (ytd only) | 1.3995% | 4,927 |
| Net charge-offs to loans | 0.3382% | 722 |
| Credit loss provision to net charge-offs | 112.2449% | 1,491 |
| Earnings coverage of net charge-offs (x) | 6.0255% | 2,335 |
| Efficiency ratio | 76.2135% | 2,486 |
| Assets per employee ($millions) | 2.0641% | 6,265 |
| Cash dividends to net income (ytd only)* | 91.5713% | 803 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1892% | 4,040 |
| Loan loss allowance to noncurrent loans | 261.8821% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 3,494 |
| Noncurrent loans to loans | 0.4541% | 4,222 |
| Net loans and leases to total assets | 79.2151% | 778 |
| Net loans and leases to deposits | 93.7967% | 1,004 |
| Net loans and leases to core deposits | 115.5355% | 533 |
| Total domestic deposits to total assets | 84.4540% | 3,634 |
| Equity capital to assets | 8.4587% | 5,766 |
| Core capital (leverage) ratio | 8.2812% | 5,753 |
| Tier 1 risk-based capital ratio | 11.2892% | 5,666 |
| Total risk-based capital ratio | 12.5400% | 5,577 |
| Memoranda: |
| Average total assets | $286,398,000 | 2,278 |
| Average earning assets | $259,864,500 | 2,315 |
| Average equity | $23,150,500 | 2,919 |
| Average total loans | $231,810,000 | 1,864 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7719% | 48 |
| Cost of funding earning assets | 0.7431% | 877 |
| Net interest margin | 7.0288% | 47 |
| Noninterest income to average assets | 1.3473% | 674 |
| Noninterest expense to average assets | 5.4907% | 230 |
| Loan and lease loss provision to assets | 0.2827% | 744 |
| Net operating income to assets | 1.8868% | 401 |
| Return on assets (ROA) | 1.8993% | 408 |
| Pretax return on assets | 1.8993% | 644 |
| Return on Equity (ROE) | 23.4814% | 138 |
| Retained earnings to average equity (ytd only) | 5.6991% | 2,132 |
| Net charge-offs to loans | 0.2285% | 1,841 |
| Credit loss provision to net charge-offs | 147.5248% | 1,629 |
| Earnings coverage of net charge-offs (x) | 11.3228% | 2,507 |
| Efficiency ratio | 71.6790% | 3,259 |
| Assets per employee ($millions) | 2.1024% | 6,343 |
| Cash dividends to net income (ytd only)* | 75.7291% | 1,058 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1774% | 4,137 |
| Loan loss allowance to noncurrent loans | 285.9686% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 3,581 |
| Noncurrent loans to loans | 0.4117% | 4,404 |
| Net loans and leases to total assets | 80.7629% | 642 |
| Net loans and leases to deposits | 94.9758% | 995 |
| Net loans and leases to core deposits | 117.7764% | 475 |
| Total domestic deposits to total assets | 85.0353% | 3,268 |
| Equity capital to assets | 7.7012% | 6,175 |
| Core capital (leverage) ratio | 7.4913% | 6,206 |
| Tier 1 risk-based capital ratio | 10.1156% | 6,228 |
| Total risk-based capital ratio | 11.3668% | 6,174 |
| Memoranda: |
| Average total assets | $263,571,800 | 2,395 |
| Average earning assets | $236,726,000 | 2,450 |
| Average equity | $21,319,000 | 3,017 |
| Average total loans | $220,961,000 | 1,896 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8130% | 49 |
| Cost of funding earning assets | 0.7575% | 865 |
| Net interest margin | 7.0555% | 48 |
| Noninterest income to average assets | 1.3817% | 649 |
| Noninterest expense to average assets | 5.4697% | 233 |
| Loan and lease loss provision to assets | 0.2630% | 809 |
| Net operating income to assets | 1.9666% | 365 |
| Return on assets (ROA) | 1.9836% | 367 |
| Pretax return on assets | 1.9836% | 593 |
| Return on Equity (ROE) | 24.2060% | 121 |
| Retained earnings to average equity (ytd only) | 6.4260% | 2,153 |
| Net charge-offs to loans | 0.2224% | 1,711 |
| Credit loss provision to net charge-offs | 140.1099% | 1,678 |
| Earnings coverage of net charge-offs (x) | 11.8764% | 2,370 |
| Efficiency ratio | 71.0410% | 3,337 |
| Assets per employee ($millions) | 2.0644% | 6,427 |
| Cash dividends to net income (ytd only)* | 73.4529% | 911 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1573% | 4,462 |
| Loan loss allowance to noncurrent loans | 144.1225% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 2,954 |
| Noncurrent loans to loans | 0.8030% | 3,571 |
| Net loans and leases to total assets | 83.8881% | 342 |
| Net loans and leases to deposits | 100.0431% | 612 |
| Net loans and leases to core deposits | 119.8134% | 398 |
| Total domestic deposits to total assets | 83.8520% | 3,815 |
| Equity capital to assets | 8.0716% | 6,097 |
| Core capital (leverage) ratio | 7.8821% | 6,142 |
| Tier 1 risk-based capital ratio | 10.1536% | 6,311 |
| Total risk-based capital ratio | 11.4041% | 6,272 |
| Memoranda: |
| Average total assets | $258,508,000 | 2,465 |
| Average earning assets | $231,472,000 | 2,525 |
| Average equity | $21,184,250 | 3,039 |
| Average total loans | $218,211,750 | 1,926 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7770% | 48 |
| Cost of funding earning assets | 0.7683% | 843 |
| Net interest margin | 7.0087% | 47 |
| Noninterest income to average assets | 1.3847% | 630 |
| Noninterest expense to average assets | 5.3914% | 246 |
| Loan and lease loss provision to assets | 0.2625% | 803 |
| Net operating income to assets | 1.9857% | 347 |
| Return on assets (ROA) | 1.9857% | 359 |
| Pretax return on assets | 1.9857% | 577 |
| Return on Equity (ROE) | 24.1046% | 134 |
| Retained earnings to average equity (ytd only) | 6.2687% | 2,171 |
| Net charge-offs to loans | 0.2297% | 1,659 |
| Credit loss provision to net charge-offs | 135.6275% | 1,561 |
| Earnings coverage of net charge-offs (x) | 11.6154% | 2,143 |
| Efficiency ratio | 70.5713% | 3,557 |
| Assets per employee ($millions) | 1.9469% | 6,521 |
| Cash dividends to net income (ytd only)* | 73.9937% | 1,066 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1725% | 4,552 |
| Loan loss allowance to noncurrent loans | 355.2342% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 4,229 |
| Noncurrent loans to loans | 0.3301% | 5,025 |
| Net loans and leases to total assets | 83.9505% | 304 |
| Net loans and leases to deposits | 99.6713% | 573 |
| Net loans and leases to core deposits | 117.5895% | 434 |
| Total domestic deposits to total assets | 84.2274% | 3,846 |
| Equity capital to assets | 8.2439% | 5,998 |
| Core capital (leverage) ratio | 7.8538% | 6,181 |
| Tier 1 risk-based capital ratio | 10.3119% | 6,307 |
| Total risk-based capital ratio | 11.5627% | 6,260 |
| Memoranda: |
| Average total assets | $255,219,670 | 2,503 |
| Average earning assets | $227,774,330 | 2,568 |
| Average equity | $21,025,000 | 3,048 |
| Average total loans | $215,026,000 | 1,942 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6470% | 46 |
| Cost of funding earning assets | 0.7690% | 888 |
| Net interest margin | 6.8781% | 50 |
| Noninterest income to average assets | 1.3546% | 631 |
| Noninterest expense to average assets | 5.1990% | 280 |
| Loan and lease loss provision to assets | 0.2684% | 776 |
| Net operating income to assets | 2.0161% | 334 |
| Return on assets (ROA) | 2.0161% | 345 |
| Pretax return on assets | 2.0161% | 513 |
| Return on Equity (ROE) | 24.4824% | 133 |
| Retained earnings to average equity (ytd only) | 6.7676% | 2,159 |
| Net charge-offs to loans | 0.2371% | 1,369 |
| Credit loss provision to net charge-offs | 134.9206% | 1,348 |
| Earnings coverage of net charge-offs (x) | 11.4841% | 1,780 |
| Efficiency ratio | 69.4726% | 3,919 |
| Assets per employee ($millions) | 1.9788% | 6,584 |
| Cash dividends to net income (ytd only)* | 72.3571% | 1,101 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1842% | 4,711 |
| Loan loss allowance to noncurrent loans | 505.9880% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 4,748 |
| Noncurrent loans to loans | 0.2340% | 5,400 |
| Net loans and leases to total assets | 82.8699% | 306 |
| Net loans and leases to deposits | 97.9238% | 546 |
| Net loans and leases to core deposits | 115.4747% | 420 |
| Total domestic deposits to total assets | 84.6269% | 4,033 |
| Equity capital to assets | 8.2424% | 5,875 |
| Core capital (leverage) ratio | 7.9058% | 6,173 |
| Tier 1 risk-based capital ratio | 10.4646% | 6,345 |
| Total risk-based capital ratio | 11.7156% | 6,308 |
| Memoranda: |
| Average total assets | $253,358,500 | 2,526 |
| Average earning assets | $225,761,000 | 2,597 |
| Average equity | $20,864,000 | 3,071 |
| Average total loans | $212,558,000 | 1,959 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.0866% | 48 |
| Cost of funding earning assets | 0.8030% | 1,198 |
| Net interest margin | 7.2837% | 46 |
| Noninterest income to average assets | 1.4412% | 667 |
| Noninterest expense to average assets | 5.6964% | 229 |
| Loan and lease loss provision to assets | 0.2783% | 1,244 |
| Net operating income to assets | 1.9459% | 367 |
| Return on assets (ROA) | 1.9459% | 370 |
| Pretax return on assets | 1.9459% | 543 |
| Return on Equity (ROE) | 23.1519% | 174 |
| Retained earnings to average equity (ytd only) | 6.4039% | 1,737 |
| Net charge-offs to loans | 0.1922% | 2,929 |
| Credit loss provision to net charge-offs | 173.3681% | 1,319 |
| Earnings coverage of net charge-offs (x) | 13.8538% | 1,985 |
| Efficiency ratio | 71.9185% | 3,493 |
| Assets per employee ($millions) | 1.8354% | 6,672 |
| Cash dividends to net income (ytd only)* | 72.3395% | 1,223 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1803% | 4,754 |
| Loan loss allowance to noncurrent loans | 316.5184% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 4,413 |
| Noncurrent loans to loans | 0.3729% | 5,072 |
| Net loans and leases to total assets | 82.9392% | 330 |
| Net loans and leases to deposits | 99.6450% | 498 |
| Net loans and leases to core deposits | 116.8927% | 398 |
| Total domestic deposits to total assets | 83.2346% | 4,456 |
| Equity capital to assets | 8.2274% | 5,844 |
| Core capital (leverage) ratio | 7.9533% | 6,171 |
| Tier 1 risk-based capital ratio | 10.2900% | 6,437 |
| Total risk-based capital ratio | 11.5408% | 6,394 |
| Memoranda: |
| Average total assets | $238,554,800 | 2,633 |
| Average earning assets | $212,214,000 | 2,693 |
| Average equity | $20,050,200 | 3,149 |
| Average total loans | $199,286,000 | 2,006 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.1261% | 44 |
| Cost of funding earning assets | 0.8028% | 1,305 |
| Net interest margin | 7.3234% | 44 |
| Noninterest income to average assets | 1.4436% | 707 |
| Noninterest expense to average assets | 5.7308% | 229 |
| Loan and lease loss provision to assets | 0.3235% | 1,028 |
| Net operating income to assets | 1.9224% | 419 |
| Return on assets (ROA) | 1.9224% | 429 |
| Pretax return on assets | 1.9224% | 681 |
| Return on Equity (ROE) | 22.7437% | 176 |
| Retained earnings to average equity (ytd only) | 6.4685% | 2,150 |
| Net charge-offs to loans | 0.2832% | 2,126 |
| Credit loss provision to net charge-offs | 136.9305% | 1,714 |
| Earnings coverage of net charge-offs (x) | 9.5059% | 2,478 |
| Efficiency ratio | 71.8446% | 3,435 |
| Assets per employee ($millions) | 1.7975% | 6,749 |
| Cash dividends to net income (ytd only)* | 71.5590% | 1,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1519% | 5,112 |
| Loan loss allowance to noncurrent loans | 260.0660% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 4,863 |
| Noncurrent loans to loans | 0.4429% | 5,091 |
| Net loans and leases to total assets | 83.5969% | 271 |
| Net loans and leases to deposits | 99.5607% | 487 |
| Net loans and leases to core deposits | 117.4382% | 366 |
| Total domestic deposits to total assets | 83.9658% | 4,200 |
| Equity capital to assets | 8.3965% | 5,835 |
| Core capital (leverage) ratio | 8.0930% | 6,156 |
| Tier 1 risk-based capital ratio | 10.5168% | 6,445 |
| Total risk-based capital ratio | 11.7670% | 6,417 |
| Memoranda: |
| Average total assets | $235,330,250 | 2,684 |
| Average earning assets | $209,935,000 | 2,743 |
| Average equity | $19,890,750 | 3,198 |
| Average total loans | $196,346,500 | 2,035 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.0992% | 44 |
| Cost of funding earning assets | 0.8076% | 1,378 |
| Net interest margin | 7.2916% | 45 |
| Noninterest income to average assets | 1.4076% | 796 |
| Noninterest expense to average assets | 5.6371% | 245 |
| Loan and lease loss provision to assets | 0.2800% | 1,306 |
| Net operating income to assets | 1.9726% | 371 |
| Return on assets (ROA) | 1.9726% | 396 |
| Pretax return on assets | 1.9726% | 635 |
| Return on Equity (ROE) | 23.2851% | 164 |
| Retained earnings to average equity (ytd only) | 5.9303% | 2,477 |
| Net charge-offs to loans | 0.2399% | 2,283 |
| Credit loss provision to net charge-offs | 140.5172% | 1,613 |
| Earnings coverage of net charge-offs (x) | 11.3060% | 2,061 |
| Efficiency ratio | 71.4488% | 3,565 |
| Assets per employee ($millions) | 1.7176% | 6,814 |
| Cash dividends to net income (ytd only)* | 74.5320% | 1,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1528% | 5,229 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 5,059 |
| Noncurrent loans to loans | 0.3843% | 5,312 |
| Net loans and leases to total assets | 83.9528% | 239 |
| Net loans and leases to deposits | 99.2180% | 469 |
| Net loans and leases to core deposits | 115.4108% | 408 |
| Total domestic deposits to total assets | 84.6145% | 4,079 |
| Equity capital to assets | 8.4955% | 5,770 |
| Core capital (leverage) ratio | 8.1601% | 6,053 |
| Tier 1 risk-based capital ratio | 10.5073% | 6,499 |
| Total risk-based capital ratio | 11.7577% | 6,475 |
| Memoranda: |
| Average total assets | $232,886,330 | 2,712 |
| Average earning assets | $207,032,330 | 2,783 |
| Average equity | $19,729,330 | 3,230 |
| Average total loans | $193,388,000 | 2,065 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9227% | 44 |
| Cost of funding earning assets | 0.8071% | 1,489 |
| Net interest margin | 7.1156% | 46 |
| Noninterest income to average assets | 1.3726% | 818 |
| Noninterest expense to average assets | 5.3144% | 296 |
| Loan and lease loss provision to assets | 0.2417% | 1,495 |
| Net operating income to assets | 2.1945% | 247 |
| Return on assets (ROA) | 2.1945% | 269 |
| Pretax return on assets | 2.1945% | 430 |
| Return on Equity (ROE) | 25.9408% | 114 |
| Retained earnings to average equity (ytd only) | 6.9597% | 2,174 |
| Net charge-offs to loans | 0.2693% | 1,882 |
| Credit loss provision to net charge-offs | 109.3750% | 1,702 |
| Earnings coverage of net charge-offs (x) | 11.0234% | 1,688 |
| Efficiency ratio | 68.5676% | 4,212 |
| Assets per employee ($millions) | 1.7665% | 6,892 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1609% | 5,361 |
| Loan loss allowance to noncurrent loans | 719.0939% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 5,461 |
| Noncurrent loans to loans | 0.1614% | 5,991 |
| Net loans and leases to total assets | 81.7486% | 293 |
| Net loans and leases to deposits | 94.3926% | 646 |
| Net loans and leases to core deposits | 110.3510% | 488 |
| Total domestic deposits to total assets | 86.6049% | 3,178 |
| Equity capital to assets | 8.5393% | 5,983 |
| Core capital (leverage) ratio | 8.1645% | 5,973 |
| Tier 1 risk-based capital ratio | 10.8031% | 6,486 |
| Total risk-based capital ratio | 12.0538% | 6,457 |
| Memoranda: |
| Average total assets | $231,673,500 | 2,759 |
| Average earning assets | $207,657,000 | 2,812 |
| Average equity | $19,598,500 | 3,300 |
| Average total loans | $190,154,500 | 2,110 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9565% | 50 |
| Cost of funding earning assets | 1.0110% | 1,296 |
| Net interest margin | 6.9455% | 53 |
| Noninterest income to average assets | 1.4869% | 714 |
| Noninterest expense to average assets | 5.2216% | 327 |
| Loan and lease loss provision to assets | 0.1973% | 3,166 |
| Net operating income to assets | 2.3089% | 208 |
| Return on assets (ROA) | 2.3089% | 225 |
| Pretax return on assets | 2.3089% | 335 |
| Return on Equity (ROE) | 28.1150% | 85 |
| Retained earnings to average equity (ytd only) | 6.9849% | 1,573 |
| Net charge-offs to loans | 0.1918% | 3,839 |
| Credit loss provision to net charge-offs | 126.2570% | 2,236 |
| Earnings coverage of net charge-offs (x) | 16.0363% | 1,609 |
| Efficiency ratio | 67.5686% | 4,224 |
| Assets per employee ($millions) | 1.8120% | 6,943 |
| Cash dividends to net income (ytd only)* | 75.1560% | 1,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1699% | 5,264 |
| Loan loss allowance to noncurrent loans | 382.3529% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 5,361 |
| Noncurrent loans to loans | 0.3060% | 5,714 |
| Net loans and leases to total assets | 80.4970% | 425 |
| Net loans and leases to deposits | 92.7988% | 847 |
| Net loans and leases to core deposits | 109.7016% | 548 |
| Total domestic deposits to total assets | 86.7436% | 2,965 |
| Equity capital to assets | 8.3800% | 6,135 |
| Core capital (leverage) ratio | 7.9413% | 6,246 |
| Tier 1 risk-based capital ratio | 10.7482% | 6,452 |
| Total risk-based capital ratio | 11.9985% | 6,420 |
| Memoranda: |
| Average total assets | $229,066,000 | 2,736 |
| Average earning assets | $205,830,600 | 2,794 |
| Average equity | $18,812,000 | 3,358 |
| Average total loans | $186,673,400 | 2,124 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9076% | 51 |
| Cost of funding earning assets | 1.0518% | 1,273 |
| Net interest margin | 6.8558% | 56 |
| Noninterest income to average assets | 1.4580% | 703 |
| Noninterest expense to average assets | 5.1084% | 339 |
| Loan and lease loss provision to assets | 0.1582% | 3,533 |
| Net operating income to assets | 2.3531% | 223 |
| Return on assets (ROA) | 2.3531% | 240 |
| Pretax return on assets | 2.3531% | 367 |
| Return on Equity (ROE) | 28.8015% | 88 |
| Retained earnings to average equity (ytd only) | 7.1753% | 2,022 |
| Net charge-offs to loans | 0.1569% | 3,866 |
| Credit loss provision to net charge-offs | 123.7443% | 2,337 |
| Earnings coverage of net charge-offs (x) | 19.6394% | 1,484 |
| Efficiency ratio | 67.0421% | 4,239 |
| Assets per employee ($millions) | 1.8673% | 7,031 |
| Cash dividends to net income (ytd only)* | 75.0869% | 771 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1755% | 5,399 |
| Loan loss allowance to noncurrent loans | 632.0700% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 5,744 |
| Noncurrent loans to loans | 0.1860% | 6,146 |
| Net loans and leases to total assets | 80.0082% | 504 |
| Net loans and leases to deposits | 92.3852% | 931 |
| Net loans and leases to core deposits | 109.8485% | 577 |
| Total domestic deposits to total assets | 86.6028% | 2,922 |
| Equity capital to assets | 8.4080% | 6,342 |
| Core capital (leverage) ratio | 7.9097% | 6,393 |
| Tier 1 risk-based capital ratio | 10.7582% | 6,585 |
| Total risk-based capital ratio | 12.0085% | 6,565 |
| Memoranda: |
| Average total assets | $228,349,000 | 2,766 |
| Average earning assets | $205,231,750 | 2,818 |
| Average equity | $18,656,000 | 3,411 |
| Average total loans | $186,114,250 | 2,147 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8308% | 55 |
| Cost of funding earning assets | 1.0817% | 1,301 |
| Net interest margin | 6.7490% | 59 |
| Noninterest income to average assets | 1.4633% | 679 |
| Noninterest expense to average assets | 5.0348% | 366 |
| Loan and lease loss provision to assets | 0.2109% | 2,968 |
| Net operating income to assets | 2.2947% | 245 |
| Return on assets (ROA) | 2.2947% | 274 |
| Pretax return on assets | 2.2947% | 418 |
| Return on Equity (ROE) | 28.3613% | 97 |
| Retained earnings to average equity (ytd only) | 7.1498% | 2,016 |
| Net charge-offs to loans | 0.1853% | 3,471 |
| Credit loss provision to net charge-offs | 139.3064% | 1,981 |
| Earnings coverage of net charge-offs (x) | 16.5491% | 1,588 |
| Efficiency ratio | 66.7711% | 4,368 |
| Assets per employee ($millions) | 2.1004% | 7,015 |
| Cash dividends to net income (ytd only)* | 74.7902% | 943 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1718% | 5,473 |
| Loan loss allowance to noncurrent loans | 202.0352% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 5,309 |
| Noncurrent loans to loans | 0.5800% | 5,353 |
| Net loans and leases to total assets | 80.4586% | 455 |
| Net loans and leases to deposits | 92.5796% | 883 |
| Net loans and leases to core deposits | 110.9685% | 544 |
| Total domestic deposits to total assets | 86.9074% | 2,827 |
| Equity capital to assets | 8.2118% | 6,441 |
| Core capital (leverage) ratio | 7.6418% | 6,545 |
| Tier 1 risk-based capital ratio | 10.4437% | 6,718 |
| Total risk-based capital ratio | 11.6944% | 6,701 |
| Memoranda: |
| Average total assets | $228,529,330 | 2,774 |
| Average earning assets | $205,778,000 | 2,813 |
| Average equity | $18,490,000 | 3,428 |
| Average total loans | $186,674,670 | 2,143 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8933% | 51 |
| Cost of funding earning assets | 1.0965% | 1,421 |
| Net interest margin | 6.7968% | 59 |
| Noninterest income to average assets | 1.4295% | 712 |
| Noninterest expense to average assets | 4.8790% | 401 |
| Loan and lease loss provision to assets | 0.1226% | 3,810 |
| Net operating income to assets | 2.5525% | 169 |
| Return on assets (ROA) | 2.5525% | 203 |
| Pretax return on assets | 2.5525% | 311 |
| Return on Equity (ROE) | 31.7862% | 87 |
| Retained earnings to average equity (ytd only) | 8.0938% | 1,952 |
| Net charge-offs to loans | 0.0492% | 4,013 |
| Credit loss provision to net charge-offs | 304.3478% | 968 |
| Earnings coverage of net charge-offs (x) | 66.3913% | 504 |
| Efficiency ratio | 64.5872% | 4,821 |
| Assets per employee ($millions) | 2.0627% | 7,099 |
| Cash dividends to net income (ytd only)* | 74.5367% | 901 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1678% | 5,641 |
| Loan loss allowance to noncurrent loans | 236.3934% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 5,348 |
| Noncurrent loans to loans | 0.4940% | 5,687 |
| Net loans and leases to total assets | 79.2405% | 474 |
| Net loans and leases to deposits | 91.8869% | 807 |
| Net loans and leases to core deposits | 111.7058% | 479 |
| Total domestic deposits to total assets | 86.2369% | 3,392 |
| Equity capital to assets | 8.0154% | 6,513 |
| Core capital (leverage) ratio | 7.6642% | 6,516 |
| Tier 1 risk-based capital ratio | 10.3601% | 6,775 |
| Total risk-based capital ratio | 11.6109% | 6,774 |
| Memoranda: |
| Average total assets | $228,324,500 | 2,788 |
| Average earning assets | $205,745,000 | 2,824 |
| Average equity | $18,335,000 | 3,449 |
| Average total loans | $186,819,500 | 2,152 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.0148% | 54 |
| Cost of funding earning assets | 1.1309% | 2,463 |
| Net interest margin | 6.8838% | 55 |
| Noninterest income to average assets | 1.3780% | 674 |
| Noninterest expense to average assets | 4.9416% | 396 |
| Loan and lease loss provision to assets | 0.2504% | 3,696 |
| Net operating income to assets | 2.4463% | 144 |
| Return on assets (ROA) | 2.4463% | 150 |
| Pretax return on assets | 2.4463% | 226 |
| Return on Equity (ROE) | 30.2404% | 43 |
| Retained earnings to average equity (ytd only) | 7.5472% | 1,257 |
| Net charge-offs to loans | 0.2097% | 4,482 |
| Credit loss provision to net charge-offs | 143.5013% | 2,023 |
| Earnings coverage of net charge-offs (x) | 15.4536% | 1,390 |
| Efficiency ratio | 64.6952% | 5,006 |
| Assets per employee ($millions) | 2.1087% | 7,119 |
| Cash dividends to net income (ytd only)* | 75.0426% | 949 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1230% | 5,727 |
| Loan loss allowance to noncurrent loans | 236.1607% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 5,327 |
| Noncurrent loans to loans | 0.4755% | 5,758 |
| Net loans and leases to total assets | 82.5685% | 301 |
| Net loans and leases to deposits | 95.8930% | 678 |
| Net loans and leases to core deposits | 116.2543% | 443 |
| Total domestic deposits to total assets | 86.1048% | 3,259 |
| Equity capital to assets | 8.0454% | 6,541 |
| Core capital (leverage) ratio | 7.7009% | 6,532 |
| Tier 1 risk-based capital ratio | 10.1050% | 6,827 |
| Total risk-based capital ratio | 11.3554% | 6,813 |
| Memoranda: |
| Average total assets | $216,042,200 | 2,883 |
| Average earning assets | $196,475,200 | 2,897 |
| Average equity | $17,476,600 | 3,506 |
| Average total loans | $179,751,200 | 2,252 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.0233% | 52 |
| Cost of funding earning assets | 1.1386% | 2,706 |
| Net interest margin | 6.8848% | 53 |
| Noninterest income to average assets | 1.3549% | 713 |
| Noninterest expense to average assets | 4.9508% | 388 |
| Loan and lease loss provision to assets | 0.2471% | 3,533 |
| Net operating income to assets | 2.4289% | 172 |
| Return on assets (ROA) | 2.4289% | 181 |
| Pretax return on assets | 2.4289% | 280 |
| Return on Equity (ROE) | 29.9824% | 59 |
| Retained earnings to average equity (ytd only) | 7.4031% | 1,773 |
| Net charge-offs to loans | 0.2170% | 4,081 |
| Credit loss provision to net charge-offs | 137.0242% | 2,324 |
| Earnings coverage of net charge-offs (x) | 14.8375% | 1,508 |
| Efficiency ratio | 64.9129% | 4,911 |
| Assets per employee ($millions) | 2.1377% | 7,180 |
| Cash dividends to net income (ytd only)* | 75.3083% | 726 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1136% | 5,834 |
| Loan loss allowance to noncurrent loans | 193.7853% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 5,638 |
| Noncurrent loans to loans | 0.5747% | 5,726 |
| Net loans and leases to total assets | 82.9979% | 290 |
| Net loans and leases to deposits | 95.3710% | 736 |
| Net loans and leases to core deposits | 115.4886% | 513 |
| Total domestic deposits to total assets | 87.0263% | 2,642 |
| Equity capital to assets | 8.0946% | 6,641 |
| Core capital (leverage) ratio | 7.6728% | 6,657 |
| Tier 1 risk-based capital ratio | 10.0050% | 6,954 |
| Total risk-based capital ratio | 11.2517% | 6,940 |
| Memoranda: |
| Average total assets | $213,644,750 | 2,915 |
| Average earning assets | $194,627,250 | 2,929 |
| Average equity | $17,307,500 | 3,537 |
| Average total loans | $177,584,750 | 2,293 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9855% | 56 |
| Cost of funding earning assets | 1.1476% | 2,915 |
| Net interest margin | 6.8379% | 57 |
| Noninterest income to average assets | 1.3288% | 714 |
| Noninterest expense to average assets | 4.8566% | 412 |
| Loan and lease loss provision to assets | 0.2421% | 3,486 |
| Net operating income to assets | 2.4798% | 171 |
| Return on assets (ROA) | 2.4798% | 176 |
| Pretax return on assets | 2.4798% | 256 |
| Return on Equity (ROE) | 30.6028% | 65 |
| Retained earnings to average equity (ytd only) | 7.3998% | 1,697 |
| Net charge-offs to loans | 0.2066% | 3,913 |
| Credit loss provision to net charge-offs | 141.4365% | 2,156 |
| Earnings coverage of net charge-offs (x) | 15.9006% | 1,376 |
| Efficiency ratio | 64.0834% | 5,221 |
| Assets per employee ($millions) | 2.1690% | 7,204 |
| Cash dividends to net income (ytd only)* | 75.8200% | 892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1314% | 5,822 |
| Loan loss allowance to noncurrent loans | 666.4474% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 6,521 |
| Noncurrent loans to loans | 0.1698% | 6,555 |
| Net loans and leases to total assets | 82.4464% | 341 |
| Net loans and leases to deposits | 94.8716% | 815 |
| Net loans and leases to core deposits | 111.8618% | 656 |
| Total domestic deposits to total assets | 86.9031% | 2,799 |
| Equity capital to assets | 8.1386% | 6,558 |
| Core capital (leverage) ratio | 7.6289% | 6,646 |
| Tier 1 risk-based capital ratio | 10.1812% | 6,917 |
| Total risk-based capital ratio | 11.4315% | 6,909 |
| Memoranda: |
| Average total assets | $211,465,000 | 2,956 |
| Average earning assets | $193,274,330 | 2,954 |
| Average equity | $17,135,670 | 3,550 |
| Average total loans | $175,177,670 | 2,350 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9667% | 60 |
| Cost of funding earning assets | 1.1633% | 3,066 |
| Net interest margin | 6.8034% | 59 |
| Noninterest income to average assets | 1.2562% | 803 |
| Noninterest expense to average assets | 4.7810% | 438 |
| Loan and lease loss provision to assets | 0.1906% | 3,720 |
| Net operating income to assets | 2.5277% | 172 |
| Return on assets (ROA) | 2.5277% | 178 |
| Pretax return on assets | 2.5277% | 245 |
| Return on Equity (ROE) | 31.2634% | 69 |
| Retained earnings to average equity (ytd only) | 7.0968% | 2,104 |
| Net charge-offs to loans | 0.1408% | 3,661 |
| Credit loss provision to net charge-offs | 163.9344% | 1,766 |
| Earnings coverage of net charge-offs (x) | 23.3770% | 1,018 |
| Efficiency ratio | 63.7519% | 5,401 |
| Assets per employee ($millions) | 2.2247% | 7,237 |
| Cash dividends to net income (ytd only)* | 77.3002% | 888 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1389% | 5,891 |
| Loan loss allowance to noncurrent loans | 1,485.8209% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,702 |
| Noncurrent loans to loans | 0.0767% | 6,847 |
| Net loans and leases to total assets | 81.7726% | 361 |
| Net loans and leases to deposits | 95.0089% | 751 |
| Net loans and leases to core deposits | 112.1134% | 655 |
| Total domestic deposits to total assets | 86.0684% | 3,487 |
| Equity capital to assets | 8.1018% | 6,390 |
| Core capital (leverage) ratio | 7.6653% | 6,584 |
| Tier 1 risk-based capital ratio | 10.4284% | 6,845 |
| Total risk-based capital ratio | 11.6794% | 6,833 |
| Memoranda: |
| Average total assets | $209,832,000 | 2,988 |
| Average earning assets | $192,551,500 | 2,977 |
| Average equity | $16,965,500 | 3,569 |
| Average total loans | $173,234,500 | 2,386 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.0807% | 58 |
| Cost of funding earning assets | 1.3882% | 3,345 |
| Net interest margin | 6.6925% | 62 |
| Noninterest income to average assets | 1.2933% | 876 |
| Noninterest expense to average assets | 4.6565% | 569 |
| Loan and lease loss provision to assets | 0.4380% | 3,495 |
| Net operating income to assets | 2.3025% | 156 |
| Return on assets (ROA) | 2.3020% | 162 |
| Pretax return on assets | 2.3020% | 251 |
| Return on Equity (ROE) | 27.7801% | 58 |
| Retained earnings to average equity (ytd only) | 0.0061% | 5,574 |
| Net charge-offs to loans | 0.3259% | 4,385 |
| Credit loss provision to net charge-offs | 164.7059% | 2,094 |
| Earnings coverage of net charge-offs (x) | 10.3055% | 1,731 |
| Efficiency ratio | 62.9511% | 5,524 |
| Assets per employee ($millions) | 2.1928% | 7,309 |
| Cash dividends to net income (ytd only)* | 99.9781% | 386 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1366% | 5,797 |
| Loan loss allowance to noncurrent loans | 537.4656% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 6,402 |
| Noncurrent loans to loans | 0.2115% | 6,646 |
| Net loans and leases to total assets | 81.4638% | 492 |
| Net loans and leases to deposits | 94.6264% | 999 |
| Net loans and leases to core deposits | 111.5770% | 839 |
| Total domestic deposits to total assets | 86.0899% | 3,313 |
| Equity capital to assets | 8.0685% | 6,418 |
| Core capital (leverage) ratio | 7.7309% | 6,515 |
| Tier 1 risk-based capital ratio | 10.3339% | 6,803 |
| Total risk-based capital ratio | 11.5848% | 6,777 |
| Memoranda: |
| Average total assets | $198,176,600 | 3,124 |
| Average earning assets | $180,740,000 | 3,114 |
| Average equity | $16,421,800 | 3,683 |
| Average total loans | $161,694,600 | 2,595 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.1198% | 56 |
| Cost of funding earning assets | 1.4364% | 3,359 |
| Net interest margin | 6.6834% | 59 |
| Noninterest income to average assets | 1.2553% | 872 |
| Noninterest expense to average assets | 4.6724% | 503 |
| Loan and lease loss provision to assets | 0.4668% | 3,139 |
| Net operating income to assets | 2.1978% | 241 |
| Return on assets (ROA) | 2.1985% | 255 |
| Pretax return on assets | 2.1985% | 411 |
| Return on Equity (ROE) | 26.3471% | 91 |
| Retained earnings to average equity (ytd only) | -3.0137% | 6,353 |
| Net charge-offs to loans | 0.3517% | 3,897 |
| Credit loss provision to net charge-offs | 163.0952% | 2,306 |
| Earnings coverage of net charge-offs (x) | 9.3095% | 2,041 |
| Efficiency ratio | 63.6820% | 5,302 |
| Assets per employee ($millions) | 2.1828% | 7,397 |
| Cash dividends to net income (ytd only)* | 111.4381% | 268 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1303% | 5,811 |
| Loan loss allowance to noncurrent loans | 2,287.8049% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 6,717 |
| Noncurrent loans to loans | 0.0494% | 7,121 |
| Net loans and leases to total assets | 83.5299% | 363 |
| Net loans and leases to deposits | 100.3105% | 637 |
| Net loans and leases to core deposits | 118.7182% | 663 |
| Total domestic deposits to total assets | 83.2713% | 4,472 |
| Equity capital to assets | 8.2289% | 6,579 |
| Core capital (leverage) ratio | 7.6130% | 6,753 |
| Tier 1 risk-based capital ratio | 10.1332% | 6,993 |
| Total risk-based capital ratio | 11.3835% | 6,978 |
| Memoranda: |
| Average total assets | $195,641,500 | 3,198 |
| Average earning assets | $178,029,500 | 3,189 |
| Average equity | $16,325,250 | 3,751 |
| Average total loans | $159,204,750 | 2,670 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9786% | 65 |
| Cost of funding earning assets | 1.4767% | 3,387 |
| Net interest margin | 6.5019% | 68 |
| Noninterest income to average assets | 1.1998% | 896 |
| Noninterest expense to average assets | 4.5810% | 529 |
| Loan and lease loss provision to assets | 0.5344% | 2,648 |
| Net operating income to assets | 1.9890% | 341 |
| Return on assets (ROA) | 1.9901% | 373 |
| Pretax return on assets | 1.9901% | 611 |
| Return on Equity (ROE) | 23.7387% | 156 |
| Retained earnings to average equity (ytd only) | -4.6769% | 6,514 |
| Net charge-offs to loans | 0.4243% | 3,299 |
| Credit loss provision to net charge-offs | 156.7568% | 2,517 |
| Earnings coverage of net charge-offs (x) | 7.4024% | 2,303 |
| Efficiency ratio | 64.4813% | 5,244 |
| Assets per employee ($millions) | 2.0266% | 7,569 |
| Cash dividends to net income (ytd only)* | 119.7016% | 293 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1283% | 5,806 |
| Loan loss allowance to noncurrent loans | 1,052.6316% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 6,524 |
| Noncurrent loans to loans | 0.1072% | 7,050 |
| Net loans and leases to total assets | 81.9289% | 540 |
| Net loans and leases to deposits | 98.8141% | 812 |
| Net loans and leases to core deposits | 114.6321% | 893 |
| Total domestic deposits to total assets | 82.9121% | 4,607 |
| Equity capital to assets | 8.3915% | 6,310 |
| Core capital (leverage) ratio | 7.6261% | 6,701 |
| Tier 1 risk-based capital ratio | 10.6319% | 6,584 |
| Total risk-based capital ratio | 11.8826% | 6,582 |
| Memoranda: |
| Average total assets | $195,371,000 | 3,232 |
| Average earning assets | $177,424,670 | 3,226 |
| Average equity | $16,378,330 | 3,740 |
| Average total loans | $156,948,670 | 2,737 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9103% | 79 |
| Cost of funding earning assets | 1.5130% | 3,471 |
| Net interest margin | 6.3972% | 79 |
| Noninterest income to average assets | 1.1200% | 998 |
| Noninterest expense to average assets | 4.3701% | 662 |
| Loan and lease loss provision to assets | 0.6321% | 2,007 |
| Net operating income to assets | 1.9188% | 401 |
| Return on assets (ROA) | 1.9208% | 438 |
| Pretax return on assets | 1.9208% | 707 |
| Return on Equity (ROE) | 22.9237% | 235 |
| Retained earnings to average equity (ytd only) | 0.1213% | 5,772 |
| Net charge-offs to loans | 0.4934% | 2,581 |
| Credit loss provision to net charge-offs | 161.9792% | 2,233 |
| Earnings coverage of net charge-offs (x) | 6.5365% | 2,205 |
| Efficiency ratio | 63.1424% | 5,636 |
| Assets per employee ($millions) | 2.1378% | 7,588 |
| Cash dividends to net income (ytd only)* | 99.4709% | 587 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1134% | 5,944 |
| Loan loss allowance to noncurrent loans | 714.8760% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 6,503 |
| Noncurrent loans to loans | 0.1558% | 7,028 |
| Net loans and leases to total assets | 77.2799% | 1,284 |
| Net loans and leases to deposits | 92.7444% | 1,506 |
| Net loans and leases to core deposits | 111.1518% | 1,208 |
| Total domestic deposits to total assets | 83.3257% | 4,464 |
| Equity capital to assets | 8.2992% | 6,300 |
| Core capital (leverage) ratio | 7.8100% | 6,487 |
| Tier 1 risk-based capital ratio | 11.0891% | 6,071 |
| Total risk-based capital ratio | 12.3393% | 6,044 |
| Memoranda: |
| Average total assets | $196,792,500 | 3,262 |
| Average earning assets | $178,452,000 | 3,273 |
| Average equity | $16,489,500 | 3,753 |
| Average total loans | $155,655,000 | 2,820 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.3983% | 62 |
| Cost of funding earning assets | 1.5880% | 5,083 |
| Net interest margin | 6.8103% | 57 |
| Noninterest income to average assets | 1.2262% | 1,011 |
| Noninterest expense to average assets | 4.5308% | 776 |
| Loan and lease loss provision to assets | 0.9155% | 2,459 |
| Net operating income to assets | 1.9652% | 245 |
| Return on assets (ROA) | 1.9646% | 257 |
| Pretax return on assets | 1.9646% | 434 |
| Return on Equity (ROE) | 22.2149% | 155 |
| Retained earnings to average equity (ytd only) | 5.0423% | 1,801 |
| Net charge-offs to loans | 0.8719% | 2,654 |
| Credit loss provision to net charge-offs | 127.0023% | 4,088 |
| Earnings coverage of net charge-offs (x) | 3.9962% | 3,110 |
| Efficiency ratio | 61.1321% | 6,313 |
| Assets per employee ($millions) | 2.1641% | 7,601 |
| Cash dividends to net income (ytd only)* | 77.3020% | 1,276 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0331% | 6,201 |
| Loan loss allowance to noncurrent loans | 306.2738% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 6,287 |
| Noncurrent loans to loans | 0.3373% | 6,604 |
| Net loans and leases to total assets | 79.2345% | 1,143 |
| Net loans and leases to deposits | 95.3012% | 1,414 |
| Net loans and leases to core deposits | 146.4601% | 601 |
| Total domestic deposits to total assets | 83.1411% | 4,463 |
| Equity capital to assets | 8.4607% | 5,952 |
| Core capital (leverage) ratio | 8.0715% | 6,044 |
| Tier 1 risk-based capital ratio | 10.8869% | 6,023 |
| Total risk-based capital ratio | 12.0389% | 6,094 |
| Memoranda: |
| Average total assets | $181,865,000 | 3,412 |
| Average earning assets | $165,176,800 | 3,416 |
| Average equity | $16,083,800 | 3,856 |
| Average total loans | $150,366,800 | 2,907 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.4810% | 59 |
| Cost of funding earning assets | 1.5894% | 5,454 |
| Net interest margin | 6.8916% | 54 |
| Noninterest income to average assets | 1.2285% | 1,018 |
| Noninterest expense to average assets | 4.6103% | 655 |
| Loan and lease loss provision to assets | 0.7426% | 2,516 |
| Net operating income to assets | 2.1473% | 210 |
| Return on assets (ROA) | 2.1465% | 230 |
| Pretax return on assets | 2.1465% | 401 |
| Return on Equity (ROE) | 23.9886% | 131 |
| Retained earnings to average equity (ytd only) | 6.4559% | 1,735 |
| Net charge-offs to loans | 0.7240% | 2,546 |
| Credit loss provision to net charge-offs | 122.9913% | 4,112 |
| Earnings coverage of net charge-offs (x) | 4.7862% | 3,008 |
| Efficiency ratio | 61.4688% | 6,200 |
| Assets per employee ($millions) | 2.1883% | 7,624 |
| Cash dividends to net income (ytd only)* | 73.0877% | 1,171 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9477% | 6,558 |
| Loan loss allowance to noncurrent loans | 265.5617% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 6,113 |
| Noncurrent loans to loans | 0.3569% | 6,640 |
| Net loans and leases to total assets | 80.0868% | 1,151 |
| Net loans and leases to deposits | 99.7591% | 1,127 |
| Net loans and leases to core deposits | 155.2209% | 473 |
| Total domestic deposits to total assets | 80.2802% | 5,344 |
| Equity capital to assets | 8.7313% | 5,907 |
| Core capital (leverage) ratio | 8.3553% | 5,740 |
| Tier 1 risk-based capital ratio | 10.9562% | 5,995 |
| Total risk-based capital ratio | 11.9964% | 6,175 |
| Memoranda: |
| Average total assets | $178,638,750 | 3,486 |
| Average earning assets | $162,570,250 | 3,502 |
| Average equity | $15,985,000 | 3,917 |
| Average total loans | $148,974,500 | 2,968 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.4138% | 63 |
| Cost of funding earning assets | 1.6200% | 5,670 |
| Net interest margin | 6.7939% | 61 |
| Noninterest income to average assets | 1.2300% | 1,022 |
| Noninterest expense to average assets | 4.6098% | 691 |
| Loan and lease loss provision to assets | 0.6805% | 2,389 |
| Net operating income to assets | 2.1066% | 232 |
| Return on assets (ROA) | 2.1066% | 256 |
| Pretax return on assets | 2.1066% | 426 |
| Return on Equity (ROE) | 23.3392% | 182 |
| Retained earnings to average equity (ytd only) | 6.1379% | 1,954 |
| Net charge-offs to loans | 0.5747% | 2,606 |
| Credit loss provision to net charge-offs | 140.4706% | 3,323 |
| Earnings coverage of net charge-offs (x) | 5.7529% | 2,767 |
| Efficiency ratio | 62.3209% | 6,200 |
| Assets per employee ($millions) | 2.1443% | 7,733 |
| Cash dividends to net income (ytd only)* | 73.7013% | 1,253 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9406% | 6,597 |
| Loan loss allowance to noncurrent loans | 485.5172% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 6,122 |
| Noncurrent loans to loans | 0.1937% | 7,031 |
| Net loans and leases to total assets | 83.3173% | 740 |
| Net loans and leases to deposits | 101.3915% | 1,125 |
| Net loans and leases to core deposits | 155.8243% | 528 |
| Total domestic deposits to total assets | 82.1739% | 4,618 |
| Equity capital to assets | 9.0361% | 5,261 |
| Core capital (leverage) ratio | 8.5073% | 5,438 |
| Tier 1 risk-based capital ratio | 11.0999% | 5,776 |
| Total risk-based capital ratio | 12.1488% | 5,929 |
| Memoranda: |
| Average total assets | $175,452,670 | 3,549 |
| Average earning assets | $159,261,670 | 3,573 |
| Average equity | $15,836,000 | 3,951 |
| Average total loans | $147,911,670 | 3,020 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.2941% | 71 |
| Cost of funding earning assets | 1.6857% | 5,658 |
| Net interest margin | 6.6084% | 68 |
| Noninterest income to average assets | 1.2216% | 965 |
| Noninterest expense to average assets | 4.5697% | 665 |
| Loan and lease loss provision to assets | 0.6843% | 1,848 |
| Net operating income to assets | 1.9542% | 379 |
| Return on assets (ROA) | 1.9542% | 429 |
| Pretax return on assets | 1.9542% | 716 |
| Return on Equity (ROE) | 21.6636% | 323 |
| Retained earnings to average equity (ytd only) | 5.7532% | 2,751 |
| Net charge-offs to loans | 0.5033% | 2,204 |
| Credit loss provision to net charge-offs | 161.0811% | 2,633 |
| Earnings coverage of net charge-offs (x) | 6.2108% | 2,530 |
| Efficiency ratio | 63.3960% | 5,795 |
| Assets per employee ($millions) | 2.1410% | 7,771 |
| Cash dividends to net income (ytd only)* | 73.4430% | 1,203 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9011% | 6,747 |
| Loan loss allowance to noncurrent loans | 361.1860% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 6,245 |
| Noncurrent loans to loans | 0.2495% | 6,823 |
| Net loans and leases to total assets | 82.9239% | 858 |
| Net loans and leases to deposits | 98.5251% | 1,594 |
| Net loans and leases to core deposits | 149.7226% | 718 |
| Total domestic deposits to total assets | 84.1653% | 3,627 |
| Equity capital to assets | 8.9058% | 5,466 |
| Core capital (leverage) ratio | 8.5475% | 5,435 |
| Tier 1 risk-based capital ratio | 10.9712% | 5,927 |
| Total risk-based capital ratio | 11.9755% | 6,069 |
| Memoranda: |
| Average total assets | $174,191,500 | 3,588 |
| Average earning assets | $157,799,500 | 3,617 |
| Average equity | $15,713,000 | 4,000 |
| Average total loans | $147,021,500 | 3,057 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.0095% | 67 |
| Cost of funding earning assets | 2.1575% | 5,790 |
| Net interest margin | 6.8520% | 60 |
| Noninterest income to average assets | 1.4820% | 640 |
| Noninterest expense to average assets | 4.9223% | 650 |
| Loan and lease loss provision to assets | 0.5063% | 2,784 |
| Net operating income to assets | 2.2237% | 224 |
| Return on assets (ROA) | 2.2237% | 220 |
| Pretax return on assets | 2.2237% | 372 |
| Return on Equity (ROE) | 24.3235% | 162 |
| Retained earnings to average equity (ytd only) | 4.5703% | 2,281 |
| Net charge-offs to loans | 0.4985% | 2,370 |
| Credit loss provision to net charge-offs | 122.9851% | 4,366 |
| Earnings coverage of net charge-offs (x) | 6.6313% | 3,308 |
| Efficiency ratio | 64.3247% | 5,494 |
| Assets per employee ($millions) | 2.1335% | 7,790 |
| Cash dividends to net income (ytd only)* | 81.2103% | 1,649 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8442% | 6,924 |
| Loan loss allowance to noncurrent loans | 353.6023% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 5,983 |
| Noncurrent loans to loans | 0.2387% | 6,669 |
| Net loans and leases to total assets | 84.4374% | 819 |
| Net loans and leases to deposits | 101.1433% | 1,688 |
| Net loans and leases to core deposits | 150.0849% | 851 |
| Total domestic deposits to total assets | 83.4829% | 3,580 |
| Equity capital to assets | 9.1400% | 5,165 |
| Core capital (leverage) ratio | 8.7387% | 5,134 |
| Tier 1 risk-based capital ratio | 11.0938% | 5,648 |
| Total risk-based capital ratio | 12.0383% | 5,829 |
| Memoranda: |
| Average total assets | $162,750,400 | 3,671 |
| Average earning assets | $146,555,600 | 3,716 |
| Average equity | $14,878,600 | 4,165 |
| Average total loans | $134,407,000 | 3,188 |
