| 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 | 5.8503% | 1,401 |
| Cost of funding earning assets | 1.4304% | 3,360 |
| Net interest margin | 4.4198% | 717 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 3.2397% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2066% | 1,721 |
| Return on assets (ROA) | 1.1802% | 1,784 |
| Pretax return on assets | 1.1959% | 2,260 |
| Return on Equity (ROE) | 14.1700% | 1,229 |
| Retained earnings to average equity (ytd only) | 14.1711% | 510 |
| Net charge-offs to loans | -0.0090% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 72.6027% | 1,553 |
| Assets per employee ($millions) | 4.9315% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4735% | 1,087 |
| Loan loss allowance to noncurrent loans | 47.8189% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 183 |
| Noncurrent loans to loans | 3.0814% | 212 |
| Net loans and leases to total assets | 69.6600% | 1,873 |
| Net loans and leases to deposits | 80.2229% | 2,032 |
| Net loans and leases to core deposits | 84.3030% | 2,431 |
| Total domestic deposits to total assets | 86.8300% | 1,994 |
| Equity capital to assets | 8.7497% | 3,122 |
| Core capital (leverage) ratio | 10.7897% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5310% | 1,369 |
| Memoranda: |
| Average total assets | $255,207,500 | 2,710 |
| Average earning assets | $239,647,500 | 2,687 |
| Average equity | $21,254,500 | 2,934 |
| Average total loans | $177,181,500 | 2,554 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7737% | 1,624 |
| Cost of funding earning assets | 1.6003% | 3,173 |
| Net interest margin | 4.1734% | 963 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 3.2146% | 855 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.9880% | 2,094 |
| Return on assets (ROA) | 1.0118% | 2,013 |
| Pretax return on assets | 1.0157% | 2,492 |
| Return on Equity (ROE) | 12.5400% | 1,487 |
| Retained earnings to average equity (ytd only) | -1.4414% | 4,126 |
| Net charge-offs to loans | -0.0198% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 75.0318% | 1,452 |
| Assets per employee ($millions) | 4.9790% | 3,655 |
| Cash dividends to net income (ytd only)* | 111.4956% | 181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4817% | 1,067 |
| Loan loss allowance to noncurrent loans | 51.8122% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.9501% | 209 |
| Noncurrent loans to loans | 2.8598% | 212 |
| Net loans and leases to total assets | 67.1800% | 2,240 |
| Net loans and leases to deposits | 76.4276% | 2,412 |
| Net loans and leases to core deposits | 80.0737% | 2,774 |
| Total domestic deposits to total assets | 87.9000% | 1,546 |
| Equity capital to assets | 7.9190% | 3,556 |
| Core capital (leverage) ratio | 10.4820% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1094% | 1,500 |
| Memoranda: |
| Average total assets | $257,076,000 | 2,668 |
| Average earning assets | $240,956,400 | 2,645 |
| Average equity | $20,743,800 | 2,922 |
| Average total loans | $171,376,200 | 2,562 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6863% | 1,738 |
| Cost of funding earning assets | 1.6668% | 3,019 |
| Net interest margin | 4.0195% | 1,115 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 3.2312% | 804 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 0.7851% | 2,742 |
| Return on assets (ROA) | 0.8401% | 2,578 |
| Pretax return on assets | 0.8453% | 2,937 |
| Return on Equity (ROE) | 10.3600% | 2,090 |
| Retained earnings to average equity (ytd only) | 3.3134% | 3,065 |
| Net charge-offs to loans | -0.0212% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 78.3348% | 1,199 |
| Assets per employee ($millions) | 4.9852% | 3,656 |
| Cash dividends to net income (ytd only)* | 68.0272% | 756 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5178% | 1,000 |
| Loan loss allowance to noncurrent loans | 39.7350% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.5329% | 117 |
| Noncurrent loans to loans | 3.8198% | 121 |
| Net loans and leases to total assets | 65.3000% | 2,390 |
| Net loans and leases to deposits | 79.6149% | 2,222 |
| Net loans and leases to core deposits | 83.5984% | 2,598 |
| Total domestic deposits to total assets | 82.0200% | 3,101 |
| Equity capital to assets | 8.7456% | 3,214 |
| Core capital (leverage) ratio | 10.6918% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8028% | 1,334 |
| Memoranda: |
| Average total assets | $256,617,750 | 2,660 |
| Average earning assets | $240,453,500 | 2,646 |
| Average equity | $20,804,000 | 2,912 |
| Average total loans | $170,082,000 | 2,569 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5545% | 1,871 |
| Cost of funding earning assets | 1.5919% | 3,097 |
| Net interest margin | 3.9626% | 1,163 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 3.2251% | 797 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.7847% | 2,671 |
| Return on assets (ROA) | 0.8180% | 2,582 |
| Pretax return on assets | 0.8258% | 2,940 |
| Return on Equity (ROE) | 10.3700% | 2,064 |
| Retained earnings to average equity (ytd only) | -0.5351% | 3,997 |
| Net charge-offs to loans | -0.0354% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 78.7474% | 1,227 |
| Assets per employee ($millions) | 5.1217% | 3,529 |
| Cash dividends to net income (ytd only)* | 105.1625% | 329 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4251% | 1,288 |
| Loan loss allowance to noncurrent loans | 68.2423% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4092% | 367 |
| Noncurrent loans to loans | 2.0882% | 356 |
| Net loans and leases to total assets | 66.5200% | 2,285 |
| Net loans and leases to deposits | 80.7609% | 2,134 |
| Net loans and leases to core deposits | 84.3919% | 2,501 |
| Total domestic deposits to total assets | 82.3700% | 2,998 |
| Equity capital to assets | 7.7238% | 3,610 |
| Core capital (leverage) ratio | 10.6275% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1620% | 1,476 |
| Memoranda: |
| Average total assets | $255,747,667 | 2,669 |
| Average earning assets | $239,841,667 | 2,646 |
| Average equity | $20,181,667 | 2,929 |
| Average total loans | $169,477,667 | 2,567 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6822% | 1,495 |
| Cost of funding earning assets | 1.5121% | 3,164 |
| Net interest margin | 4.1701% | 894 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 3.3294% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9762% | 1,999 |
| Return on assets (ROA) | 1.0149% | 1,895 |
| Pretax return on assets | 1.0308% | 2,303 |
| Return on Equity (ROE) | 12.7200% | 1,400 |
| Retained earnings to average equity (ytd only) | -3.1310% | 4,016 |
| Net charge-offs to loans | -0.0723% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.0582% | 1,448 |
| Assets per employee ($millions) | 4.7639% | 3,803 |
| Cash dividends to net income (ytd only)* | 124.6106% | 387 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4684% | 1,169 |
| Loan loss allowance to noncurrent loans | 34.8461% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 2.7930% | 85 |
| Noncurrent loans to loans | 4.2141% | 87 |
| Net loans and leases to total assets | 65.3100% | 2,332 |
| Net loans and leases to deposits | 72.9202% | 2,684 |
| Net loans and leases to core deposits | 76.2664% | 2,959 |
| Total domestic deposits to total assets | 89.5600% | 939 |
| Equity capital to assets | 7.9972% | 3,370 |
| Core capital (leverage) ratio | 10.4378% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9174% | 1,295 |
| Memoranda: |
| Average total assets | $253,018,500 | 2,681 |
| Average earning assets | $237,019,000 | 2,673 |
| Average equity | $20,185,000 | 2,939 |
| Average total loans | $166,079,500 | 2,595 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2234% | 1,622 |
| Cost of funding earning assets | 1.1955% | 2,816 |
| Net interest margin | 4.0279% | 1,164 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 3.0103% | 1,113 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0728% | 2,001 |
| Return on assets (ROA) | 1.1504% | 1,752 |
| Pretax return on assets | 1.1854% | 2,177 |
| Return on Equity (ROE) | 15.1300% | 1,262 |
| Retained earnings to average equity (ytd only) | 4.0045% | 2,959 |
| Net charge-offs to loans | 0.1616% | 647 |
| Credit loss provision to net charge-offs | 99.6169% | 1,859 |
| Earnings coverage of net charge-offs (x) | 12.0153% | 2,165 |
| Efficiency ratio | 71.3999% | 1,719 |
| Assets per employee ($millions) | 5.0649% | 3,592 |
| Cash dividends to net income (ytd only)* | 73.5294% | 744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4193% | 1,320 |
| Loan loss allowance to noncurrent loans | 830.6620% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 2,798 |
| Noncurrent loans to loans | 0.1709% | 2,669 |
| Net loans and leases to total assets | 64.1000% | 2,451 |
| Net loans and leases to deposits | 71.4076% | 2,790 |
| Net loans and leases to core deposits | 74.5028% | 3,046 |
| Total domestic deposits to total assets | 89.7700% | 816 |
| Equity capital to assets | 7.9590% | 3,449 |
| Core capital (leverage) ratio | 10.3856% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7375% | 1,336 |
| Memoranda: |
| Average total assets | $260,078,000 | 2,621 |
| Average earning assets | $244,342,800 | 2,606 |
| Average equity | $19,777,600 | 2,875 |
| Average total loans | $161,505,200 | 2,588 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1092% | 1,620 |
| Cost of funding earning assets | 1.1376% | 2,635 |
| Net interest margin | 3.9717% | 1,264 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.9724% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1051% | 2,040 |
| Return on assets (ROA) | 1.1101% | 2,001 |
| Pretax return on assets | 1.1459% | 2,437 |
| Return on Equity (ROE) | 14.7700% | 1,490 |
| Retained earnings to average equity (ytd only) | 14.7681% | 585 |
| Net charge-offs to loans | -0.0100% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.2658% | 1,538 |
| Assets per employee ($millions) | 5.1818% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4660% | 1,209 |
| Loan loss allowance to noncurrent loans | 649.3225% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 1,967 |
| Noncurrent loans to loans | 0.2258% | 2,446 |
| Net loans and leases to total assets | 62.1600% | 2,637 |
| Net loans and leases to deposits | 69.0744% | 2,908 |
| Net loans and leases to core deposits | 72.0498% | 3,104 |
| Total domestic deposits to total assets | 89.9900% | 939 |
| Equity capital to assets | 7.5773% | 3,309 |
| Core capital (leverage) ratio | 11.1816% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8142% | 1,137 |
| Memoranda: |
| Average total assets | $260,519,500 | 2,628 |
| Average earning assets | $245,196,750 | 2,607 |
| Average equity | $19,582,250 | 2,879 |
| Average total loans | $159,888,750 | 2,610 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0571% | 1,442 |
| Cost of funding earning assets | 1.0583% | 2,425 |
| Net interest margin | 3.9988% | 1,244 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.9326% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1772% | 1,887 |
| Return on assets (ROA) | 1.2084% | 1,802 |
| Pretax return on assets | 1.2406% | 2,251 |
| Return on Equity (ROE) | 16.1200% | 1,245 |
| Retained earnings to average equity (ytd only) | 16.1201% | 463 |
| Net charge-offs to loans | -0.0101% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.8179% | 1,688 |
| Assets per employee ($millions) | 5.1191% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5276% | 1,100 |
| Loan loss allowance to noncurrent loans | 6,467.5676% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 2,594 |
| Noncurrent loans to loans | 0.0236% | 3,591 |
| Net loans and leases to total assets | 61.5000% | 2,624 |
| Net loans and leases to deposits | 68.5870% | 2,891 |
| Net loans and leases to core deposits | 70.8637% | 3,075 |
| Total domestic deposits to total assets | 89.6600% | 1,029 |
| Equity capital to assets | 8.0048% | 3,216 |
| Core capital (leverage) ratio | 10.9392% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1290% | 1,100 |
| Memoranda: |
| Average total assets | $260,996,000 | 2,629 |
| Average earning assets | $245,874,000 | 2,605 |
| Average equity | $19,565,667 | 2,900 |
| Average total loans | $158,704,667 | 2,614 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9551% | 1,317 |
| Cost of funding earning assets | 0.9741% | 2,135 |
| Net interest margin | 3.9810% | 1,297 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.9315% | 1,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1061% | 2,207 |
| Return on assets (ROA) | 1.1425% | 2,057 |
| Pretax return on assets | 1.1741% | 2,500 |
| Return on Equity (ROE) | 15.7400% | 1,411 |
| Retained earnings to average equity (ytd only) | 15.7440% | 715 |
| Net charge-offs to loans | -0.0200% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.0621% | 1,527 |
| Assets per employee ($millions) | 5.0995% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5183% | 1,199 |
| Loan loss allowance to noncurrent loans | 2,601.0870% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,415 |
| Noncurrent loans to loans | 0.0584% | 3,315 |
| Net loans and leases to total assets | 60.8800% | 2,570 |
| Net loans and leases to deposits | 67.7730% | 2,790 |
| Net loans and leases to core deposits | 69.8836% | 2,963 |
| Total domestic deposits to total assets | 89.8200% | 1,223 |
| Equity capital to assets | 7.8733% | 3,325 |
| Core capital (leverage) ratio | 10.1869% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7146% | 1,207 |
| Memoranda: |
| Average total assets | $266,075,000 | 2,638 |
| Average earning assets | $250,890,500 | 2,615 |
| Average equity | $19,309,000 | 2,954 |
| Average total loans | $159,730,000 | 2,619 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1742% | 1,301 |
| Cost of funding earning assets | 0.4131% | 1,990 |
| Net interest margin | 3.7610% | 1,240 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.8800% | 1,157 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2213% | 1,695 |
| Return on assets (ROA) | 1.0821% | 2,193 |
| Pretax return on assets | 1.1103% | 2,735 |
| Return on Equity (ROE) | 12.5600% | 1,949 |
| Retained earnings to average equity (ytd only) | 1.9439% | 3,988 |
| Net charge-offs to loans | 0.1348% | 592 |
| Credit loss provision to net charge-offs | 24.0385% | 1,921 |
| Earnings coverage of net charge-offs (x) | 15.3990% | 2,006 |
| Efficiency ratio | 69.3346% | 1,781 |
| Assets per employee ($millions) | 5.5435% | 3,172 |
| Cash dividends to net income (ytd only)* | 84.5277% | 369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3766% | 1,585 |
| Loan loss allowance to noncurrent loans | 1,713.8462% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 2,431 |
| Noncurrent loans to loans | 0.0803% | 3,184 |
| Net loans and leases to total assets | 57.5900% | 2,860 |
| Net loans and leases to deposits | 63.0775% | 3,112 |
| Net loans and leases to core deposits | 65.1423% | 3,190 |
| Total domestic deposits to total assets | 91.3000% | 839 |
| Equity capital to assets | 6.6900% | 3,819 |
| Core capital (leverage) ratio | 10.3378% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9493% | 1,377 |
| Memoranda: |
| Average total assets | $251,461,800 | 2,720 |
| Average earning assets | $236,742,400 | 2,694 |
| Average equity | $21,657,000 | 2,797 |
| Average total loans | $154,273,600 | 2,595 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0156% | 1,243 |
| Cost of funding earning assets | 0.3192% | 1,965 |
| Net interest margin | 3.6964% | 1,145 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.9856% | 921 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1223% | 1,996 |
| Return on assets (ROA) | 0.9223% | 2,754 |
| Pretax return on assets | 0.9419% | 3,202 |
| Return on Equity (ROE) | 10.0700% | 2,700 |
| Retained earnings to average equity (ytd only) | 10.0731% | 1,323 |
| Net charge-offs to loans | 0.1155% | 539 |
| Credit loss provision to net charge-offs | 37.8788% | 1,575 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,818 |
| Efficiency ratio | 71.7912% | 1,544 |
| Assets per employee ($millions) | 4.8158% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4613% | 1,420 |
| Loan loss allowance to noncurrent loans | 2,953.8462% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 2,851 |
| Noncurrent loans to loans | 0.0495% | 3,520 |
| Net loans and leases to total assets | 63.2600% | 2,162 |
| Net loans and leases to deposits | 70.4812% | 2,322 |
| Net loans and leases to core deposits | 72.8300% | 2,430 |
| Total domestic deposits to total assets | 89.7500% | 1,762 |
| Equity capital to assets | 7.8968% | 2,959 |
| Core capital (leverage) ratio | 11.1615% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1485% | 1,148 |
| Memoranda: |
| Average total assets | $245,033,750 | 2,777 |
| Average earning assets | $230,560,000 | 2,757 |
| Average equity | $22,435,500 | 2,781 |
| Average total loans | $152,379,500 | 2,611 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7752% | 1,361 |
| Cost of funding earning assets | 0.2521% | 2,234 |
| Net interest margin | 3.5230% | 1,255 |
| Noninterest income to average assets | 0.7956% | 1,054 |
| Noninterest expense to average assets | 3.0076% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0847% | 1,833 |
| Return on assets (ROA) | 0.8389% | 2,796 |
| Pretax return on assets | 0.8585% | 3,177 |
| Return on Equity (ROE) | 8.7594% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.7594% | 1,356 |
| Net charge-offs to loans | 0.1275% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 14.1458% | 1,667 |
| Efficiency ratio | 73.0556% | 1,616 |
| Assets per employee ($millions) | 4.6819% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5063% | 1,390 |
| Loan loss allowance to noncurrent loans | 1,013.2743% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,496 |
| Noncurrent loans to loans | 0.1487% | 2,951 |
| Net loans and leases to total assets | 61.5059% | 2,171 |
| Net loans and leases to deposits | 69.1551% | 2,291 |
| Net loans and leases to core deposits | 71.8405% | 2,357 |
| Total domestic deposits to total assets | 88.9391% | 2,214 |
| Equity capital to assets | 8.6515% | 2,651 |
| Core capital (leverage) ratio | 11.1083% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3558% | 1,109 |
| Memoranda: |
| Average total assets | $244,842,667 | 2,800 |
| Average earning assets | $230,823,667 | 2,790 |
| Average equity | $23,449,000 | 2,784 |
| Average total loans | $150,616,000 | 2,636 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4991% | 1,812 |
| Cost of funding earning assets | 0.2054% | 2,719 |
| Net interest margin | 3.2937% | 1,579 |
| Noninterest income to average assets | 0.4904% | 2,192 |
| Noninterest expense to average assets | 3.0204% | 792 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5433% | 3,585 |
| Return on assets (ROA) | 0.3014% | 4,114 |
| Pretax return on assets | 0.3209% | 4,159 |
| Return on Equity (ROE) | 3.0030% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.0030% | 3,262 |
| Net charge-offs to loans | 0.0267% | 1,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,062 |
| Efficiency ratio | 83.9294% | 858 |
| Assets per employee ($millions) | 4.9145% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6449% | 1,166 |
| Loan loss allowance to noncurrent loans | 1,080.0000% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,639 |
| Noncurrent loans to loans | 0.1523% | 3,042 |
| Net loans and leases to total assets | 56.6847% | 2,452 |
| Net loans and leases to deposits | 64.5682% | 2,477 |
| Net loans and leases to core deposits | 66.6398% | 2,565 |
| Total domestic deposits to total assets | 87.7904% | 2,626 |
| Equity capital to assets | 9.1486% | 2,577 |
| Core capital (leverage) ratio | 10.7653% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7884% | 1,085 |
| Memoranda: |
| Average total assets | $245,533,500 | 2,807 |
| Average earning assets | $231,716,500 | 2,791 |
| Average equity | $24,642,000 | 2,795 |
| Average total loans | $149,907,500 | 2,629 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2421% | 928 |
| Cost of funding earning assets | 0.1591% | 3,879 |
| Net interest margin | 4.0829% | 616 |
| Noninterest income to average assets | 0.4821% | 2,669 |
| Noninterest expense to average assets | 3.1302% | 811 |
| Loan and lease loss provision to assets | 0.0754% | 1,609 |
| Net operating income to assets | 1.0939% | 2,317 |
| Return on assets (ROA) | 1.1235% | 2,257 |
| Pretax return on assets | 1.1541% | 2,806 |
| Return on Equity (ROE) | 9.5881% | 2,681 |
| Retained earnings to average equity (ytd only) | 2.9705% | 3,640 |
| Net charge-offs to loans | 0.0033% | 2,497 |
| Credit loss provision to net charge-offs | 3,500.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 556.6000% | 252 |
| Efficiency ratio | 72.3057% | 1,477 |
| Assets per employee ($millions) | 4.5364% | 4,088 |
| Cash dividends to net income (ytd only)* | 69.0184% | 772 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5357% | 1,440 |
| Loan loss allowance to noncurrent loans | 4,044.0678% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,969 |
| Noncurrent loans to loans | 0.0380% | 3,807 |
| Net loans and leases to total assets | 63.6278% | 1,748 |
| Net loans and leases to deposits | 74.3660% | 1,699 |
| Net loans and leases to core deposits | 76.2269% | 1,899 |
| Total domestic deposits to total assets | 85.5603% | 3,064 |
| Equity capital to assets | 10.9613% | 1,815 |
| Core capital (leverage) ratio | 11.1769% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0509% | 1,255 |
| Memoranda: |
| Average total assets | $232,127,400 | 2,835 |
| Average earning assets | $218,714,800 | 2,822 |
| Average equity | $27,200,400 | 2,709 |
| Average total loans | $151,516,800 | 2,618 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3127% | 935 |
| Cost of funding earning assets | 0.1556% | 4,060 |
| Net interest margin | 4.1572% | 591 |
| Noninterest income to average assets | 0.4544% | 2,821 |
| Noninterest expense to average assets | 3.1372% | 777 |
| Loan and lease loss provision to assets | 0.0578% | 1,834 |
| Net operating income to assets | 1.1330% | 2,427 |
| Return on assets (ROA) | 1.1609% | 2,384 |
| Pretax return on assets | 1.2061% | 2,906 |
| Return on Equity (ROE) | 9.7424% | 2,830 |
| Retained earnings to average equity (ytd only) | 9.7424% | 1,400 |
| Net charge-offs to loans | 0.0044% | 2,178 |
| Credit loss provision to net charge-offs | 2,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 426.2000% | 339 |
| Efficiency ratio | 71.7524% | 1,428 |
| Assets per employee ($millions) | 4.6336% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4905% | 1,673 |
| Loan loss allowance to noncurrent loans | 3,851.6667% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 3,146 |
| Noncurrent loans to loans | 0.0387% | 3,932 |
| Net loans and leases to total assets | 65.9253% | 1,559 |
| Net loans and leases to deposits | 78.7875% | 1,403 |
| Net loans and leases to core deposits | 81.3875% | 1,621 |
| Total domestic deposits to total assets | 83.6748% | 3,547 |
| Equity capital to assets | 12.1297% | 1,340 |
| Core capital (leverage) ratio | 12.0855% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8533% | 1,163 |
| Memoranda: |
| Average total assets | $230,052,250 | 2,875 |
| Average earning assets | $216,809,750 | 2,859 |
| Average equity | $27,412,000 | 2,710 |
| Average total loans | $150,554,750 | 2,666 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3703% | 890 |
| Cost of funding earning assets | 0.1560% | 4,156 |
| Net interest margin | 4.2143% | 569 |
| Noninterest income to average assets | 0.5107% | 2,582 |
| Noninterest expense to average assets | 3.1110% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3278% | 1,782 |
| Return on assets (ROA) | 1.3629% | 1,744 |
| Pretax return on assets | 1.4134% | 2,290 |
| Return on Equity (ROE) | 11.5076% | 2,231 |
| Retained earnings to average equity (ytd only) | 11.5076% | 1,012 |
| Net charge-offs to loans | 0.0094% | 1,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 225.7143% | 464 |
| Efficiency ratio | 69.3204% | 1,726 |
| Assets per employee ($millions) | 4.5691% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4893% | 1,625 |
| Loan loss allowance to noncurrent loans | 3,068.0556% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 2,618 |
| Noncurrent loans to loans | 0.0485% | 3,936 |
| Net loans and leases to total assets | 62.7027% | 2,095 |
| Net loans and leases to deposits | 74.7175% | 1,933 |
| Net loans and leases to core deposits | 77.6813% | 2,076 |
| Total domestic deposits to total assets | 83.9198% | 3,467 |
| Equity capital to assets | 11.8567% | 1,433 |
| Core capital (leverage) ratio | 11.7809% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5291% | 1,030 |
| Memoranda: |
| Average total assets | $229,510,000 | 2,882 |
| Average earning assets | $216,598,000 | 2,860 |
| Average equity | $27,182,000 | 2,728 |
| Average total loans | $149,057,667 | 2,692 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1533% | 1,282 |
| Cost of funding earning assets | 0.1632% | 4,214 |
| Net interest margin | 3.9901% | 854 |
| Noninterest income to average assets | 0.5234% | 2,511 |
| Noninterest expense to average assets | 3.2298% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0152% | 2,766 |
| Return on assets (ROA) | 1.0503% | 2,715 |
| Pretax return on assets | 1.1100% | 3,086 |
| Return on Equity (ROE) | 8.8729% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.8729% | 1,989 |
| Net charge-offs to loans | 0.0402% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 40.7333% | 977 |
| Efficiency ratio | 75.0612% | 1,213 |
| Assets per employee ($millions) | 4.7158% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4888% | 1,648 |
| Loan loss allowance to noncurrent loans | 2,651.8072% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 2,630 |
| Noncurrent loans to loans | 0.0561% | 4,004 |
| Net loans and leases to total assets | 63.0269% | 2,167 |
| Net loans and leases to deposits | 75.6446% | 1,952 |
| Net loans and leases to core deposits | 78.4563% | 2,144 |
| Total domestic deposits to total assets | 83.3198% | 3,611 |
| Equity capital to assets | 11.6498% | 1,467 |
| Core capital (leverage) ratio | 11.5444% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3309% | 1,020 |
| Memoranda: |
| Average total assets | $227,752,500 | 2,880 |
| Average earning assets | $215,731,500 | 2,848 |
| Average equity | $26,958,500 | 2,733 |
| Average total loans | $149,425,500 | 2,695 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4545% | 1,427 |
| Cost of funding earning assets | 0.2819% | 4,235 |
| Net interest margin | 4.1726% | 686 |
| Noninterest income to average assets | 0.6640% | 1,972 |
| Noninterest expense to average assets | 3.2198% | 1,024 |
| Loan and lease loss provision to assets | 0.0965% | 3,142 |
| Net operating income to assets | 1.2461% | 1,393 |
| Return on assets (ROA) | 1.2586% | 1,469 |
| Pretax return on assets | 1.3175% | 1,922 |
| Return on Equity (ROE) | 9.6050% | 2,159 |
| Retained earnings to average equity (ytd only) | 2.9758% | 3,369 |
| Net charge-offs to loans | 0.0176% | 2,740 |
| Credit loss provision to net charge-offs | 800.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 116.1200% | 719 |
| Efficiency ratio | 69.6815% | 1,992 |
| Assets per employee ($millions) | 4.6756% | 3,738 |
| Cash dividends to net income (ytd only)* | 69.0184% | 992 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4675% | 1,699 |
| Loan loss allowance to noncurrent loans | 3,820.6897% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 2,794 |
| Noncurrent loans to loans | 0.0384% | 4,151 |
| Net loans and leases to total assets | 66.2989% | 2,049 |
| Net loans and leases to deposits | 80.4535% | 1,813 |
| Net loans and leases to core deposits | 83.0287% | 2,119 |
| Total domestic deposits to total assets | 82.4065% | 3,562 |
| Equity capital to assets | 12.0292% | 1,552 |
| Core capital (leverage) ratio | 11.9419% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3610% | 1,183 |
| Memoranda: |
| Average total assets | $207,217,800 | 2,883 |
| Average earning assets | $196,498,400 | 2,861 |
| Average equity | $27,152,600 | 2,665 |
| Average total loans | $142,057,600 | 2,727 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5011% | 1,572 |
| Cost of funding earning assets | 0.3162% | 4,238 |
| Net interest margin | 4.1849% | 757 |
| Noninterest income to average assets | 0.7077% | 1,774 |
| Noninterest expense to average assets | 3.2505% | 977 |
| Loan and lease loss provision to assets | 0.1316% | 2,704 |
| Net operating income to assets | 1.2351% | 1,534 |
| Return on assets (ROA) | 1.2314% | 1,668 |
| Pretax return on assets | 1.2964% | 2,063 |
| Return on Equity (ROE) | 9.1889% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.1889% | 937 |
| Net charge-offs to loans | -0.0019% | 3,878 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4218% | 1,976 |
| Assets per employee ($millions) | 4.4424% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4301% | 1,604 |
| Loan loss allowance to noncurrent loans | 2,220.7921% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 2,770 |
| Noncurrent loans to loans | 0.0644% | 4,110 |
| Net loans and leases to total assets | 72.5026% | 1,588 |
| Net loans and leases to deposits | 91.4198% | 1,118 |
| Net loans and leases to core deposits | 95.7388% | 1,477 |
| Total domestic deposits to total assets | 79.3073% | 3,996 |
| Equity capital to assets | 13.3050% | 1,065 |
| Core capital (leverage) ratio | 12.7634% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1978% | 1,024 |
| Memoranda: |
| Average total assets | $202,915,000 | 2,896 |
| Average earning assets | $192,719,250 | 2,872 |
| Average equity | $27,191,500 | 2,650 |
| Average total loans | $139,819,500 | 2,759 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6163% | 1,612 |
| Cost of funding earning assets | 0.3646% | 4,203 |
| Net interest margin | 4.2517% | 823 |
| Noninterest income to average assets | 0.7881% | 1,473 |
| Noninterest expense to average assets | 3.2987% | 1,001 |
| Loan and lease loss provision to assets | 0.1003% | 3,018 |
| Net operating income to assets | 1.3477% | 1,229 |
| Return on assets (ROA) | 1.3124% | 1,437 |
| Pretax return on assets | 1.3856% | 1,759 |
| Return on Equity (ROE) | 9.7693% | 2,063 |
| Retained earnings to average equity (ytd only) | 9.7693% | 837 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4134% | 2,184 |
| Assets per employee ($millions) | 4.2896% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4575% | 1,383 |
| Loan loss allowance to noncurrent loans | 2,058.6538% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 2,899 |
| Noncurrent loans to loans | 0.0708% | 4,178 |
| Net loans and leases to total assets | 68.8669% | 2,205 |
| Net loans and leases to deposits | 86.8639% | 1,676 |
| Net loans and leases to core deposits | 91.4715% | 1,948 |
| Total domestic deposits to total assets | 79.2814% | 3,979 |
| Equity capital to assets | 13.3067% | 1,037 |
| Core capital (leverage) ratio | 12.9089% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9828% | 909 |
| Memoranda: |
| Average total assets | $199,475,000 | 2,904 |
| Average earning assets | $189,243,333 | 2,876 |
| Average equity | $26,798,333 | 2,662 |
| Average total loans | $134,144,667 | 2,815 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7560% | 1,541 |
| Cost of funding earning assets | 0.4536% | 4,140 |
| Net interest margin | 4.3025% | 758 |
| Noninterest income to average assets | 1.1374% | 677 |
| Noninterest expense to average assets | 3.4433% | 1,015 |
| Loan and lease loss provision to assets | 0.2061% | 1,483 |
| Net operating income to assets | 1.4737% | 830 |
| Return on assets (ROA) | 1.2467% | 1,488 |
| Pretax return on assets | 1.3147% | 1,831 |
| Return on Equity (ROE) | 9.2321% | 2,016 |
| Retained earnings to average equity (ytd only) | 9.2321% | 912 |
| Net charge-offs to loans | 0.0063% | 2,353 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 157 |
| Efficiency ratio | 66.1782% | 2,937 |
| Assets per employee ($millions) | 3.9360% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7226% | 837 |
| Loan loss allowance to noncurrent loans | 1,909.8214% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 2,908 |
| Noncurrent loans to loans | 0.0902% | 4,151 |
| Net loans and leases to total assets | 63.2731% | 3,159 |
| Net loans and leases to deposits | 77.1835% | 2,954 |
| Net loans and leases to core deposits | 82.1194% | 3,016 |
| Total domestic deposits to total assets | 81.9775% | 3,427 |
| Equity capital to assets | 14.0228% | 1,045 |
| Core capital (leverage) ratio | 13.5292% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1385% | 846 |
| Memoranda: |
| Average total assets | $194,118,500 | 2,915 |
| Average earning assets | $183,430,000 | 2,888 |
| Average equity | $26,213,000 | 2,696 |
| Average total loans | $127,771,500 | 2,859 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9925% | 1,505 |
| Cost of funding earning assets | 0.7192% | 3,073 |
| Net interest margin | 4.2733% | 1,156 |
| Noninterest income to average assets | 0.5659% | 2,394 |
| Noninterest expense to average assets | 3.4424% | 1,041 |
| Loan and lease loss provision to assets | 0.1062% | 1,956 |
| Net operating income to assets | 1.0460% | 2,672 |
| Return on assets (ROA) | 1.0852% | 2,597 |
| Pretax return on assets | 1.1175% | 3,115 |
| Return on Equity (ROE) | 8.1839% | 3,089 |
| Retained earnings to average equity (ytd only) | 2.1781% | 3,908 |
| Net charge-offs to loans | 0.0465% | 2,458 |
| Credit loss provision to net charge-offs | 357.1429% | 783 |
| Earnings coverage of net charge-offs (x) | 39.8036% | 1,318 |
| Efficiency ratio | 74.4175% | 1,558 |
| Assets per employee ($millions) | 3.9075% | 4,022 |
| Cash dividends to net income (ytd only)* | 73.3855% | 1,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5536% | 1,079 |
| Loan loss allowance to noncurrent loans | 462.8118% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 2,155 |
| Noncurrent loans to loans | 0.3357% | 3,241 |
| Net loans and leases to total assets | 66.1975% | 2,923 |
| Net loans and leases to deposits | 82.6508% | 2,482 |
| Net loans and leases to core deposits | 87.6352% | 2,638 |
| Total domestic deposits to total assets | 80.0930% | 3,958 |
| Equity capital to assets | 12.9910% | 1,526 |
| Core capital (leverage) ratio | 13.0054% | 1,233 |
| Tier 1 risk-based capital ratio | 16.4652% | 2,228 |
| Total risk-based capital ratio | 17.7164% | 2,172 |
| Memoranda: |
| Average total assets | $188,359,000 | 2,932 |
| Average earning assets | $178,948,600 | 2,896 |
| Average equity | $24,975,800 | 2,719 |
| Average total loans | $120,419,600 | 2,941 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0093% | 1,509 |
| Cost of funding earning assets | 0.7637% | 2,899 |
| Net interest margin | 4.2456% | 1,270 |
| Noninterest income to average assets | 0.5545% | 2,438 |
| Noninterest expense to average assets | 3.5404% | 908 |
| Loan and lease loss provision to assets | 0.1429% | 1,344 |
| Net operating income to assets | 0.8888% | 3,387 |
| Return on assets (ROA) | 0.8888% | 3,463 |
| Pretax return on assets | 0.9146% | 3,827 |
| Return on Equity (ROE) | 6.6680% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.6680% | 2,026 |
| Net charge-offs to loans | 0.0691% | 1,841 |
| Credit loss provision to net charge-offs | 327.8689% | 903 |
| Earnings coverage of net charge-offs (x) | 24.2626% | 1,805 |
| Efficiency ratio | 77.0008% | 1,220 |
| Assets per employee ($millions) | 3.8361% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6233% | 949 |
| Loan loss allowance to noncurrent loans | 218.9247% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 1,981 |
| Noncurrent loans to loans | 0.7415% | 2,109 |
| Net loans and leases to total assets | 64.3287% | 3,255 |
| Net loans and leases to deposits | 82.6863% | 2,594 |
| Net loans and leases to core deposits | 88.0537% | 2,721 |
| Total domestic deposits to total assets | 77.7985% | 4,385 |
| Equity capital to assets | 13.6142% | 1,307 |
| Core capital (leverage) ratio | 13.6048% | 1,103 |
| Tier 1 risk-based capital ratio | 18.5755% | 1,671 |
| Total risk-based capital ratio | 19.8657% | 1,625 |
| Memoranda: |
| Average total assets | $186,605,500 | 2,972 |
| Average earning assets | $177,717,750 | 2,937 |
| Average equity | $24,874,500 | 2,745 |
| Average total loans | $117,681,250 | 2,997 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0169% | 1,436 |
| Cost of funding earning assets | 0.7459% | 2,915 |
| Net interest margin | 4.2710% | 1,202 |
| Noninterest income to average assets | 0.5626% | 2,327 |
| Noninterest expense to average assets | 3.6036% | 846 |
| Loan and lease loss provision to assets | 0.1082% | 1,733 |
| Net operating income to assets | 0.8990% | 3,289 |
| Return on assets (ROA) | 0.8990% | 3,357 |
| Pretax return on assets | 0.9206% | 3,788 |
| Return on Equity (ROE) | 6.7943% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.7943% | 1,904 |
| Net charge-offs to loans | 0.1703% | 950 |
| Credit loss provision to net charge-offs | 102.0408% | 1,933 |
| Earnings coverage of net charge-offs (x) | 9.7041% | 2,324 |
| Efficiency ratio | 77.7908% | 1,179 |
| Assets per employee ($millions) | 3.5448% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5747% | 1,087 |
| Loan loss allowance to noncurrent loans | 172.3230% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 1,768 |
| Noncurrent loans to loans | 0.9138% | 1,796 |
| Net loans and leases to total assets | 63.1760% | 3,433 |
| Net loans and leases to deposits | 81.0372% | 2,841 |
| Net loans and leases to core deposits | 86.5683% | 2,917 |
| Total domestic deposits to total assets | 77.9593% | 4,406 |
| Equity capital to assets | 13.6436% | 1,269 |
| Core capital (leverage) ratio | 13.7666% | 1,033 |
| Tier 1 risk-based capital ratio | 18.9592% | 1,566 |
| Total risk-based capital ratio | 20.2466% | 1,524 |
| Memoranda: |
| Average total assets | $184,871,670 | 3,004 |
| Average earning assets | $176,164,670 | 2,958 |
| Average equity | $24,461,670 | 2,771 |
| Average total loans | $115,100,670 | 3,052 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0433% | 1,228 |
| Cost of funding earning assets | 0.7110% | 2,997 |
| Net interest margin | 4.3323% | 1,039 |
| Noninterest income to average assets | 0.5912% | 2,087 |
| Noninterest expense to average assets | 3.7214% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9707% | 2,970 |
| Return on assets (ROA) | 0.9707% | 3,010 |
| Pretax return on assets | 0.9903% | 3,471 |
| Return on Equity (ROE) | 7.4552% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.4552% | 1,864 |
| Net charge-offs to loans | 0.1104% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 14.6452% | 1,783 |
| Efficiency ratio | 78.9815% | 1,161 |
| Assets per employee ($millions) | 3.5926% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6856% | 885 |
| Loan loss allowance to noncurrent loans | 179.7688% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 1,781 |
| Noncurrent loans to loans | 0.9377% | 1,791 |
| Net loans and leases to total assets | 60.5897% | 3,649 |
| Net loans and leases to deposits | 71.2035% | 3,666 |
| Net loans and leases to core deposits | 75.4606% | 3,693 |
| Total domestic deposits to total assets | 85.0936% | 2,651 |
| Equity capital to assets | 13.6126% | 1,172 |
| Core capital (leverage) ratio | 13.5969% | 1,061 |
| Tier 1 risk-based capital ratio | 20.1226% | 1,322 |
| Total risk-based capital ratio | 21.4029% | 1,280 |
| Memoranda: |
| Average total assets | $183,370,000 | 3,053 |
| Average earning assets | $174,411,000 | 3,007 |
| Average equity | $23,876,000 | 2,817 |
| Average total loans | $112,355,500 | 3,128 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5328% | 2,360 |
| Cost of funding earning assets | 0.5399% | 3,111 |
| Net interest margin | 3.9928% | 2,002 |
| Noninterest income to average assets | 0.6453% | 2,063 |
| Noninterest expense to average assets | 3.3554% | 1,217 |
| Loan and lease loss provision to assets | 0.0529% | 3,125 |
| Net operating income to assets | 1.0025% | 2,999 |
| Return on assets (ROA) | 1.0025% | 2,986 |
| Pretax return on assets | 1.0301% | 3,513 |
| Return on Equity (ROE) | 8.0036% | 3,439 |
| Retained earnings to average equity (ytd only) | 0.3972% | 4,878 |
| Net charge-offs to loans | 0.0275% | 2,858 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 68.2000% | 948 |
| Efficiency ratio | 75.5993% | 1,418 |
| Assets per employee ($millions) | 3.7422% | 4,265 |
| Cash dividends to net income (ytd only)* | 95.0370% | 346 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6639% | 893 |
| Loan loss allowance to noncurrent loans | 184.1748% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 1,843 |
| Noncurrent loans to loans | 0.9034% | 1,772 |
| Net loans and leases to total assets | 59.9171% | 3,788 |
| Net loans and leases to deposits | 74.5416% | 3,455 |
| Net loans and leases to core deposits | 78.6442% | 3,528 |
| Total domestic deposits to total assets | 80.3807% | 4,019 |
| Equity capital to assets | 12.4524% | 1,604 |
| Core capital (leverage) ratio | 12.8091% | 1,319 |
| Tier 1 risk-based capital ratio | 19.0862% | 1,506 |
| Total risk-based capital ratio | 20.3568% | 1,461 |
| Memoranda: |
| Average total assets | $188,919,000 | 2,970 |
| Average earning assets | $179,471,400 | 2,925 |
| Average equity | $23,664,400 | 2,762 |
| Average total loans | $109,070,200 | 3,143 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4329% | 2,524 |
| Cost of funding earning assets | 0.4810% | 3,323 |
| Net interest margin | 3.9518% | 2,121 |
| Noninterest income to average assets | 0.6703% | 1,976 |
| Noninterest expense to average assets | 3.2422% | 1,427 |
| Loan and lease loss provision to assets | 0.0704% | 2,557 |
| Net operating income to assets | 1.1040% | 2,646 |
| Return on assets (ROA) | 1.1040% | 2,659 |
| Pretax return on assets | 1.1174% | 3,327 |
| Return on Equity (ROE) | 8.8005% | 3,188 |
| Retained earnings to average equity (ytd only) | 8.8005% | 1,305 |
| Net charge-offs to loans | 0.0309% | 2,476 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 67.4851% | 978 |
| Efficiency ratio | 73.1882% | 1,703 |
| Assets per employee ($millions) | 3.8913% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6380% | 992 |
| Loan loss allowance to noncurrent loans | 135.7602% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 1,655 |
| Noncurrent loans to loans | 1.2065% | 1,405 |
| Net loans and leases to total assets | 59.9019% | 3,854 |
| Net loans and leases to deposits | 79.3616% | 3,104 |
| Net loans and leases to core deposits | 83.4524% | 3,201 |
| Total domestic deposits to total assets | 75.4797% | 4,837 |
| Equity capital to assets | 12.5166% | 1,575 |
| Core capital (leverage) ratio | 13.4243% | 1,131 |
| Tier 1 risk-based capital ratio | 19.7960% | 1,380 |
| Total risk-based capital ratio | 21.0741% | 1,339 |
| Memoranda: |
| Average total assets | $189,370,750 | 2,991 |
| Average earning assets | $180,164,250 | 2,945 |
| Average equity | $23,755,500 | 2,761 |
| Average total loans | $107,835,500 | 3,196 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3454% | 2,604 |
| Cost of funding earning assets | 0.4126% | 3,622 |
| Net interest margin | 3.9328% | 2,096 |
| Noninterest income to average assets | 0.7029% | 1,860 |
| Noninterest expense to average assets | 3.2170% | 1,494 |
| Loan and lease loss provision to assets | 0.1059% | 1,843 |
| Net operating income to assets | 1.1030% | 2,570 |
| Return on assets (ROA) | 1.1030% | 2,578 |
| Pretax return on assets | 1.1231% | 3,217 |
| Return on Equity (ROE) | 8.7863% | 3,126 |
| Retained earnings to average equity (ytd only) | 8.7863% | 1,284 |
| Net charge-offs to loans | 0.1980% | 794 |
| Credit loss provision to net charge-offs | 96.1538% | 2,104 |
| Earnings coverage of net charge-offs (x) | 11.1635% | 2,290 |
| Efficiency ratio | 72.3571% | 1,941 |
| Assets per employee ($millions) | 3.8739% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5939% | 1,131 |
| Loan loss allowance to noncurrent loans | 127.1269% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 1,684 |
| Noncurrent loans to loans | 1.2538% | 1,371 |
| Net loans and leases to total assets | 58.1050% | 3,983 |
| Net loans and leases to deposits | 77.2144% | 3,236 |
| Net loans and leases to core deposits | 80.8469% | 3,337 |
| Total domestic deposits to total assets | 75.2514% | 4,931 |
| Equity capital to assets | 12.3544% | 1,627 |
| Core capital (leverage) ratio | 13.6537% | 1,014 |
| Tier 1 risk-based capital ratio | 19.4265% | 1,447 |
| Total risk-based capital ratio | 20.7013% | 1,402 |
| Memoranda: |
| Average total assets | $188,936,000 | 3,016 |
| Average earning assets | $179,821,670 | 2,970 |
| Average equity | $23,718,670 | 2,776 |
| Average total loans | $105,074,000 | 3,245 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0621% | 3,363 |
| Cost of funding earning assets | 0.3748% | 3,778 |
| Net interest margin | 3.6873% | 2,854 |
| Noninterest income to average assets | 0.8448% | 1,318 |
| Noninterest expense to average assets | 3.2891% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0163% | 2,794 |
| Return on assets (ROA) | 1.0163% | 2,813 |
| Pretax return on assets | 1.0571% | 3,327 |
| Return on Equity (ROE) | 8.0295% | 3,350 |
| Retained earnings to average equity (ytd only) | 8.0295% | 1,820 |
| Net charge-offs to loans | 0.4142% | 375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.7404% | 2,275 |
| Efficiency ratio | 75.6783% | 1,641 |
| Assets per employee ($millions) | 3.7422% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7709% | 825 |
| Loan loss allowance to noncurrent loans | 79.0730% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 997 |
| Noncurrent loans to loans | 2.2396% | 663 |
| Net loans and leases to total assets | 52.1187% | 4,427 |
| Net loans and leases to deposits | 64.0756% | 4,205 |
| Net loans and leases to core deposits | 66.0940% | 4,297 |
| Total domestic deposits to total assets | 81.3394% | 4,127 |
| Equity capital to assets | 12.8254% | 1,327 |
| Core capital (leverage) ratio | 13.4355% | 1,026 |
| Tier 1 risk-based capital ratio | 21.9516% | 1,055 |
| Total risk-based capital ratio | 23.2259% | 1,032 |
| Memoranda: |
| Average total assets | $186,556,000 | 3,068 |
| Average earning assets | $177,148,000 | 3,020 |
| Average equity | $23,613,000 | 2,811 |
| Average total loans | $100,426,000 | 3,351 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0642% | 3,192 |
| Cost of funding earning assets | 0.3288% | 3,886 |
| Net interest margin | 3.7355% | 2,659 |
| Noninterest income to average assets | 0.6753% | 2,068 |
| Noninterest expense to average assets | 3.0479% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1227% | 1,783 |
| Return on assets (ROA) | 1.1227% | 1,810 |
| Pretax return on assets | 1.1774% | 2,861 |
| Return on Equity (ROE) | 8.9575% | 2,336 |
| Retained earnings to average equity (ytd only) | 4.7679% | 2,281 |
| Net charge-offs to loans | 0.2452% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9.1138% | 2,825 |
| Efficiency ratio | 72.1352% | 2,201 |
| Assets per employee ($millions) | 3.8723% | 4,158 |
| Cash dividends to net income (ytd only)* | 46.7727% | 2,483 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7642% | 836 |
| Loan loss allowance to noncurrent loans | 116.2214% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 1,388 |
| Noncurrent loans to loans | 1.5180% | 1,117 |
| Net loans and leases to total assets | 53.6160% | 4,392 |
| Net loans and leases to deposits | 68.2028% | 4,010 |
| Net loans and leases to core deposits | 70.3487% | 4,151 |
| Total domestic deposits to total assets | 78.6125% | 4,623 |
| Equity capital to assets | 12.4949% | 1,521 |
| Core capital (leverage) ratio | 12.9739% | 1,152 |
| Tier 1 risk-based capital ratio | 20.2325% | 1,275 |
| Total risk-based capital ratio | 21.5026% | 1,237 |
| Memoranda: |
| Average total assets | $190,426,000 | 3,015 |
| Average earning assets | $180,968,600 | 2,956 |
| Average equity | $23,868,200 | 2,775 |
| Average total loans | $100,334,000 | 3,342 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0001% | 3,357 |
| Cost of funding earning assets | 0.3136% | 3,994 |
| Net interest margin | 3.6864% | 2,796 |
| Noninterest income to average assets | 0.6051% | 2,451 |
| Noninterest expense to average assets | 3.0661% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0500% | 2,329 |
| Return on assets (ROA) | 1.0500% | 2,370 |
| Pretax return on assets | 1.0500% | 3,491 |
| Return on Equity (ROE) | 8.3707% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.3707% | 1,065 |
| Net charge-offs to loans | 0.3255% | 644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.1770% | 3,011 |
| Efficiency ratio | 74.4901% | 1,817 |
| Assets per employee ($millions) | 3.5970% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7829% | 882 |
| Loan loss allowance to noncurrent loans | 133.6742% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 1,653 |
| Noncurrent loans to loans | 1.3338% | 1,427 |
| Net loans and leases to total assets | 52.8798% | 4,503 |
| Net loans and leases to deposits | 70.9525% | 3,879 |
| Net loans and leases to core deposits | 73.2083% | 4,043 |
| Total domestic deposits to total assets | 74.5284% | 5,184 |
| Equity capital to assets | 13.0419% | 1,368 |
| Core capital (leverage) ratio | 12.9408% | 1,235 |
| Tier 1 risk-based capital ratio | 20.5985% | 1,263 |
| Total risk-based capital ratio | 21.8716% | 1,229 |
| Memoranda: |
| Average total assets | $190,597,000 | 3,042 |
| Average earning assets | $181,526,250 | 2,973 |
| Average equity | $23,908,250 | 2,790 |
| Average total loans | $99,527,750 | 3,386 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9206% | 3,484 |
| Cost of funding earning assets | 0.2811% | 4,274 |
| Net interest margin | 3.6395% | 2,879 |
| Noninterest income to average assets | 0.5950% | 2,485 |
| Noninterest expense to average assets | 3.0884% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9718% | 2,562 |
| Return on assets (ROA) | 0.9718% | 2,607 |
| Pretax return on assets | 0.9718% | 3,685 |
| Return on Equity (ROE) | 7.8508% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.8508% | 1,224 |
| Net charge-offs to loans | 0.3290% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.7160% | 2,793 |
| Efficiency ratio | 76.0662% | 1,712 |
| Assets per employee ($millions) | 3.5741% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9003% | 720 |
| Loan loss allowance to noncurrent loans | 62.2678% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.8554% | 724 |
| Noncurrent loans to loans | 3.0519% | 422 |
| Net loans and leases to total assets | 51.1129% | 4,636 |
| Net loans and leases to deposits | 68.1299% | 4,063 |
| Net loans and leases to core deposits | 70.1386% | 4,215 |
| Total domestic deposits to total assets | 75.0228% | 5,198 |
| Equity capital to assets | 12.6531% | 1,544 |
| Core capital (leverage) ratio | 12.7590% | 1,272 |
| Tier 1 risk-based capital ratio | 20.2383% | 1,320 |
| Total risk-based capital ratio | 21.5115% | 1,285 |
| Memoranda: |
| Average total assets | $190,582,670 | 3,053 |
| Average earning assets | $181,453,330 | 2,987 |
| Average equity | $23,590,000 | 2,823 |
| Average total loans | $98,490,330 | 3,422 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9020% | 3,394 |
| Cost of funding earning assets | 0.2371% | 4,662 |
| Net interest margin | 3.6649% | 2,630 |
| Noninterest income to average assets | 0.5978% | 2,425 |
| Noninterest expense to average assets | 3.1282% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9632% | 2,466 |
| Return on assets (ROA) | 0.9632% | 2,523 |
| Pretax return on assets | 0.9632% | 3,530 |
| Return on Equity (ROE) | 7.8707% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.8707% | 1,513 |
| Net charge-offs to loans | 0.7142% | 245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.6207% | 2,572 |
| Efficiency ratio | 76.4584% | 1,842 |
| Assets per employee ($millions) | 3.5288% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0037% | 667 |
| Loan loss allowance to noncurrent loans | 91.2542% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 1,321 |
| Noncurrent loans to loans | 2.1957% | 774 |
| Net loans and leases to total assets | 49.6610% | 4,696 |
| Net loans and leases to deposits | 60.9068% | 4,505 |
| Net loans and leases to core deposits | 62.4243% | 4,621 |
| Total domestic deposits to total assets | 81.5361% | 4,288 |
| Equity capital to assets | 12.4845% | 1,545 |
| Core capital (leverage) ratio | 12.5728% | 1,302 |
| Tier 1 risk-based capital ratio | 20.7171% | 1,262 |
| Total risk-based capital ratio | 21.9783% | 1,237 |
| Memoranda: |
| Average total assets | $189,372,000 | 3,092 |
| Average earning assets | $180,522,000 | 3,027 |
| Average equity | $23,174,500 | 2,871 |
| Average total loans | $97,455,000 | 3,459 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9235% | 3,483 |
| Cost of funding earning assets | 0.2269% | 4,765 |
| Net interest margin | 3.6967% | 2,706 |
| Noninterest income to average assets | 0.6862% | 2,239 |
| Noninterest expense to average assets | 3.0834% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1189% | 1,823 |
| Return on assets (ROA) | 1.2290% | 1,502 |
| Pretax return on assets | 1.2290% | 2,556 |
| Return on Equity (ROE) | 8.9962% | 2,419 |
| Retained earnings to average equity (ytd only) | -2.0486% | 5,541 |
| Net charge-offs to loans | -0.0744% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2308% | 2,386 |
| Assets per employee ($millions) | 3.5504% | 4,678 |
| Cash dividends to net income (ytd only)* | 122.7718% | 224 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0702% | 576 |
| Loan loss allowance to noncurrent loans | 74.6220% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.6201% | 976 |
| Noncurrent loans to loans | 2.7743% | 531 |
| Net loans and leases to total assets | 51.1475% | 4,676 |
| Net loans and leases to deposits | 64.5697% | 4,357 |
| Net loans and leases to core deposits | 66.5820% | 4,489 |
| Total domestic deposits to total assets | 79.2129% | 4,745 |
| Equity capital to assets | 11.9967% | 1,809 |
| Core capital (leverage) ratio | 12.5440% | 1,316 |
| Tier 1 risk-based capital ratio | 19.3727% | 1,509 |
| Total risk-based capital ratio | 20.6283% | 1,469 |
| Memoranda: |
| Average total assets | $182,591,400 | 3,139 |
| Average earning assets | $173,670,600 | 3,072 |
| Average equity | $24,943,800 | 2,729 |
| Average total loans | $98,130,800 | 3,423 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8729% | 3,683 |
| Cost of funding earning assets | 0.2275% | 4,811 |
| Net interest margin | 3.6453% | 2,911 |
| Noninterest income to average assets | 0.6699% | 2,311 |
| Noninterest expense to average assets | 3.1597% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9813% | 2,510 |
| Return on assets (ROA) | 1.1343% | 1,977 |
| Pretax return on assets | 1.1343% | 3,100 |
| Return on Equity (ROE) | 8.0429% | 2,981 |
| Retained earnings to average equity (ytd only) | -0.1101% | 5,375 |
| Net charge-offs to loans | -0.0396% | 5,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1071% | 1,965 |
| Assets per employee ($millions) | 3.3821% | 4,933 |
| Cash dividends to net income (ytd only)* | 101.3690% | 371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9755% | 754 |
| Loan loss allowance to noncurrent loans | 60.5672% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 762 |
| Noncurrent loans to loans | 3.2616% | 427 |
| Net loans and leases to total assets | 56.1664% | 4,295 |
| Net loans and leases to deposits | 72.9671% | 3,707 |
| Net loans and leases to core deposits | 75.5023% | 3,890 |
| Total domestic deposits to total assets | 76.9750% | 5,096 |
| Equity capital to assets | 14.1376% | 987 |
| Core capital (leverage) ratio | 13.3310% | 1,057 |
| Tier 1 risk-based capital ratio | 19.9627% | 1,456 |
| Total risk-based capital ratio | 21.2426% | 1,409 |
| Memoranda: |
| Average total assets | $180,309,250 | 3,177 |
| Average earning assets | $171,686,250 | 3,105 |
| Average equity | $25,429,750 | 2,694 |
| Average total loans | $97,630,250 | 3,436 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8029% | 3,950 |
| Cost of funding earning assets | 0.2232% | 4,908 |
| Net interest margin | 3.5797% | 3,174 |
| Noninterest income to average assets | 0.6609% | 2,325 |
| Noninterest expense to average assets | 3.1385% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9310% | 2,722 |
| Return on assets (ROA) | 0.9875% | 2,585 |
| Pretax return on assets | 0.9875% | 3,631 |
| Return on Equity (ROE) | 7.0073% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.5753% | 1,830 |
| Net charge-offs to loans | -0.0521% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8226% | 1,956 |
| Assets per employee ($millions) | 3.5588% | 4,669 |
| Cash dividends to net income (ytd only)* | 6.1659% | 3,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0354% | 692 |
| Loan loss allowance to noncurrent loans | 56.9460% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.1301% | 737 |
| Noncurrent loans to loans | 3.5743% | 367 |
| Net loans and leases to total assets | 53.6992% | 4,535 |
| Net loans and leases to deposits | 70.3470% | 3,952 |
| Net loans and leases to core deposits | 72.8178% | 4,107 |
| Total domestic deposits to total assets | 76.3347% | 5,248 |
| Equity capital to assets | 14.6492% | 828 |
| Core capital (leverage) ratio | 13.9710% | 827 |
| Tier 1 risk-based capital ratio | 21.2971% | 1,224 |
| Total risk-based capital ratio | 22.5735% | 1,202 |
| Memoranda: |
| Average total assets | $180,661,330 | 3,192 |
| Average earning assets | $172,027,670 | 3,118 |
| Average equity | $25,459,000 | 2,708 |
| Average total loans | $95,937,330 | 3,481 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8614% | 3,725 |
| Cost of funding earning assets | 0.2189% | 5,013 |
| Net interest margin | 3.6424% | 2,920 |
| Noninterest income to average assets | 0.6680% | 2,178 |
| Noninterest expense to average assets | 3.1935% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9454% | 2,532 |
| Return on assets (ROA) | 1.0586% | 2,164 |
| Pretax return on assets | 1.0586% | 3,246 |
| Return on Equity (ROE) | 7.6643% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.7806% | 1,987 |
| Net charge-offs to loans | -0.0722% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7292% | 2,079 |
| Assets per employee ($millions) | 3.4310% | 4,915 |
| Cash dividends to net income (ytd only)* | 11.5304% | 2,682 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1912% | 599 |
| Loan loss allowance to noncurrent loans | 56.9452% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.1803% | 765 |
| Noncurrent loans to loans | 3.8480% | 324 |
| Net loans and leases to total assets | 51.4525% | 4,684 |
| Net loans and leases to deposits | 64.6970% | 4,369 |
| Net loans and leases to core deposits | 67.0802% | 4,467 |
| Total domestic deposits to total assets | 79.5284% | 4,853 |
| Equity capital to assets | 14.5520% | 825 |
| Core capital (leverage) ratio | 13.6576% | 926 |
| Tier 1 risk-based capital ratio | 22.1660% | 1,139 |
| Total risk-based capital ratio | 23.4441% | 1,116 |
| Memoranda: |
| Average total assets | $180,243,000 | 3,198 |
| Average earning assets | $171,753,000 | 3,135 |
| Average equity | $24,894,500 | 2,753 |
| Average total loans | $94,162,000 | 3,532 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7293% | 4,282 |
| Cost of funding earning assets | 0.2099% | 5,193 |
| Net interest margin | 3.5195% | 3,456 |
| Noninterest income to average assets | 0.7039% | 2,180 |
| Noninterest expense to average assets | 3.1664% | 2,044 |
| Loan and lease loss provision to assets | -0.7491% | 6,159 |
| Net operating income to assets | 1.6399% | 646 |
| Return on assets (ROA) | 1.6502% | 650 |
| Pretax return on assets | 1.6502% | 1,113 |
| Return on Equity (ROE) | 11.9562% | 1,310 |
| Retained earnings to average equity (ytd only) | 0.3118% | 5,387 |
| Net charge-offs to loans | -1.1913% | 6,132 |
| Credit loss provision to net charge-offs | 126.2626% | 2,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5749% | 2,035 |
| Assets per employee ($millions) | 3.5001% | 4,838 |
| Cash dividends to net income (ytd only)* | 97.3919% | 442 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0774% | 708 |
| Loan loss allowance to noncurrent loans | 80.6127% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 1,367 |
| Noncurrent loans to loans | 2.5770% | 695 |
| Net loans and leases to total assets | 50.8207% | 4,794 |
| Net loans and leases to deposits | 65.6070% | 4,345 |
| Net loans and leases to core deposits | 67.9447% | 4,453 |
| Total domestic deposits to total assets | 77.4623% | 5,246 |
| Equity capital to assets | 13.1133% | 1,294 |
| Core capital (leverage) ratio | 13.1161% | 1,103 |
| Tier 1 risk-based capital ratio | 20.8153% | 1,330 |
| Total risk-based capital ratio | 22.0912% | 1,300 |
| Memoranda: |
| Average total assets | $183,549,600 | 3,123 |
| Average earning assets | $174,883,800 | 3,052 |
| Average equity | $25,334,200 | 2,666 |
| Average total loans | $91,411,000 | 3,561 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6690% | 4,525 |
| Cost of funding earning assets | 0.2100% | 5,291 |
| Net interest margin | 3.4590% | 3,724 |
| Noninterest income to average assets | 0.6723% | 2,373 |
| Noninterest expense to average assets | 3.2783% | 1,752 |
| Loan and lease loss provision to assets | -0.4734% | 6,206 |
| Net operating income to assets | 1.1661% | 1,774 |
| Return on assets (ROA) | 1.1799% | 1,786 |
| Pretax return on assets | 1.1799% | 2,892 |
| Return on Equity (ROE) | 8.4418% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.4418% | 1,073 |
| Net charge-offs to loans | -0.5336% | 6,162 |
| Credit loss provision to net charge-offs | 180.0554% | 1,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0616% | 1,390 |
| Assets per employee ($millions) | 3.4260% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1138% | 754 |
| Loan loss allowance to noncurrent loans | 64.5651% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.9374% | 1,074 |
| Noncurrent loans to loans | 3.2739% | 506 |
| Net loans and leases to total assets | 50.9293% | 4,860 |
| Net loans and leases to deposits | 68.7602% | 4,116 |
| Net loans and leases to core deposits | 70.7877% | 4,297 |
| Total domestic deposits to total assets | 74.0680% | 5,706 |
| Equity capital to assets | 14.6410% | 827 |
| Core capital (leverage) ratio | 14.0637% | 844 |
| Tier 1 risk-based capital ratio | 22.5615% | 1,116 |
| Total risk-based capital ratio | 23.8373% | 1,092 |
| Memoranda: |
| Average total assets | $183,060,250 | 3,157 |
| Average earning assets | $174,576,500 | 3,079 |
| Average equity | $25,586,250 | 2,666 |
| Average total loans | $90,194,750 | 3,621 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5744% | 4,792 |
| Cost of funding earning assets | 0.2090% | 5,366 |
| Net interest margin | 3.3653% | 4,034 |
| Noninterest income to average assets | 0.6527% | 2,464 |
| Noninterest expense to average assets | 3.2710% | 1,784 |
| Loan and lease loss provision to assets | -0.7082% | 6,302 |
| Net operating income to assets | 1.2999% | 1,321 |
| Return on assets (ROA) | 1.3206% | 1,310 |
| Pretax return on assets | 1.3206% | 2,286 |
| Return on Equity (ROE) | 9.5987% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.5987% | 754 |
| Net charge-offs to loans | -0.8088% | 6,253 |
| Credit loss provision to net charge-offs | 181.0585% | 1,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1467% | 1,249 |
| Assets per employee ($millions) | 3.4850% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1819% | 755 |
| Loan loss allowance to noncurrent loans | 51.1145% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.3883% | 821 |
| Noncurrent loans to loans | 4.2687% | 330 |
| Net loans and leases to total assets | 49.3535% | 4,991 |
| Net loans and leases to deposits | 64.0187% | 4,533 |
| Net loans and leases to core deposits | 65.1577% | 4,718 |
| Total domestic deposits to total assets | 77.0924% | 5,446 |
| Equity capital to assets | 14.1977% | 914 |
| Core capital (leverage) ratio | 13.9490% | 854 |
| Tier 1 risk-based capital ratio | 22.7909% | 1,106 |
| Total risk-based capital ratio | 24.0634% | 1,082 |
| Memoranda: |
| Average total assets | $183,554,000 | 3,181 |
| Average earning assets | $175,080,670 | 3,095 |
| Average equity | $25,253,330 | 2,701 |
| Average total loans | $88,768,330 | 3,668 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3986% | 5,205 |
| Cost of funding earning assets | 0.2229% | 5,289 |
| Net interest margin | 3.1757% | 4,690 |
| Noninterest income to average assets | 0.6843% | 2,234 |
| Noninterest expense to average assets | 3.2741% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4331% | 4,934 |
| Return on assets (ROA) | 0.4331% | 5,055 |
| Pretax return on assets | 0.4331% | 5,355 |
| Return on Equity (ROE) | 3.1980% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.1980% | 4,068 |
| Net charge-offs to loans | -0.1418% | 5,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8505% | 1,030 |
| Assets per employee ($millions) | 3.4708% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7488% | 387 |
| Loan loss allowance to noncurrent loans | 42.3428% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 3.3129% | 524 |
| Noncurrent loans to loans | 6.4917% | 157 |
| Net loans and leases to total assets | 45.4208% | 5,243 |
| Net loans and leases to deposits | 56.7372% | 5,003 |
| Net loans and leases to core deposits | 57.6960% | 5,139 |
| Total domestic deposits to total assets | 80.0547% | 5,041 |
| Equity capital to assets | 14.0593% | 966 |
| Core capital (leverage) ratio | 13.1897% | 1,094 |
| Tier 1 risk-based capital ratio | 22.7625% | 1,139 |
| Total risk-based capital ratio | 24.0427% | 1,118 |
| Memoranda: |
| Average total assets | $184,721,500 | 3,180 |
| Average earning assets | $175,836,500 | 3,105 |
| Average equity | $25,015,500 | 2,750 |
| Average total loans | $87,436,000 | 3,715 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4435% | 5,440 |
| Cost of funding earning assets | 0.3395% | 4,370 |
| Net interest margin | 3.1040% | 5,193 |
| Noninterest income to average assets | 0.7608% | 2,033 |
| Noninterest expense to average assets | 3.1700% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5367% | 4,653 |
| Return on assets (ROA) | 0.5681% | 4,604 |
| Pretax return on assets | 0.5681% | 5,039 |
| Return on Equity (ROE) | 4.4441% | 4,921 |
| Retained earnings to average equity (ytd only) | 4.4441% | 3,018 |
| Net charge-offs to loans | 0.4026% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.8803% | 4,037 |
| Efficiency ratio | 85.0473% | 1,274 |
| Assets per employee ($millions) | 3.7793% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5237% | 532 |
| Loan loss allowance to noncurrent loans | 45.3661% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 2.9350% | 702 |
| Noncurrent loans to loans | 5.5630% | 231 |
| Net loans and leases to total assets | 46.7253% | 5,267 |
| Net loans and leases to deposits | 62.9619% | 4,642 |
| Net loans and leases to core deposits | 64.1760% | 4,815 |
| Total domestic deposits to total assets | 74.2120% | 5,931 |
| Equity capital to assets | 13.0485% | 1,352 |
| Core capital (leverage) ratio | 12.9426% | 1,165 |
| Tier 1 risk-based capital ratio | 22.0117% | 1,221 |
| Total risk-based capital ratio | 23.2873% | 1,193 |
| Memoranda: |
| Average total assets | $188,361,000 | 3,120 |
| Average earning assets | $178,772,200 | 3,060 |
| Average equity | $24,076,600 | 2,752 |
| Average total loans | $87,187,200 | 3,695 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4644% | 5,460 |
| Cost of funding earning assets | 0.3379% | 4,492 |
| Net interest margin | 3.1264% | 5,178 |
| Noninterest income to average assets | 0.7736% | 1,998 |
| Noninterest expense to average assets | 3.1510% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5915% | 4,474 |
| Return on assets (ROA) | 0.5986% | 4,538 |
| Pretax return on assets | 0.5986% | 5,032 |
| Return on Equity (ROE) | 4.7078% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.7078% | 3,276 |
| Net charge-offs to loans | 0.5498% | 693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.3455% | 3,940 |
| Efficiency ratio | 83.7214% | 1,421 |
| Assets per employee ($millions) | 3.7453% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5233% | 631 |
| Loan loss allowance to noncurrent loans | 43.2745% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 3.0476% | 767 |
| Noncurrent loans to loans | 5.8309% | 251 |
| Net loans and leases to total assets | 47.0544% | 5,289 |
| Net loans and leases to deposits | 60.8956% | 4,860 |
| Net loans and leases to core deposits | 62.0321% | 5,031 |
| Total domestic deposits to total assets | 77.2706% | 5,631 |
| Equity capital to assets | 13.0954% | 1,382 |
| Core capital (leverage) ratio | 12.6330% | 1,337 |
| Tier 1 risk-based capital ratio | 22.3975% | 1,205 |
| Total risk-based capital ratio | 23.6769% | 1,184 |
| Memoranda: |
| Average total assets | $188,210,250 | 3,148 |
| Average earning assets | $178,729,500 | 3,080 |
| Average equity | $23,931,500 | 2,767 |
| Average total loans | $86,339,000 | 3,743 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4253% | 5,568 |
| Cost of funding earning assets | 0.3348% | 4,588 |
| Net interest margin | 3.0905% | 5,282 |
| Noninterest income to average assets | 0.6800% | 2,378 |
| Noninterest expense to average assets | 3.0617% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5463% | 4,619 |
| Return on assets (ROA) | 0.5570% | 4,666 |
| Pretax return on assets | 0.5570% | 5,106 |
| Return on Equity (ROE) | 4.4240% | 4,954 |
| Retained earnings to average equity (ytd only) | 4.4240% | 3,357 |
| Net charge-offs to loans | 0.8966% | 402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.3517% | 3,834 |
| Efficiency ratio | 84.3869% | 1,456 |
| Assets per employee ($millions) | 3.7024% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5551% | 665 |
| Loan loss allowance to noncurrent loans | 47.9796% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 2.7423% | 956 |
| Noncurrent loans to loans | 5.3253% | 354 |
| Net loans and leases to total assets | 45.5662% | 5,409 |
| Net loans and leases to deposits | 59.0700% | 4,943 |
| Net loans and leases to core deposits | 60.1646% | 5,127 |
| Total domestic deposits to total assets | 77.1393% | 5,785 |
| Equity capital to assets | 12.8846% | 1,433 |
| Core capital (leverage) ratio | 12.3489% | 1,474 |
| Tier 1 risk-based capital ratio | 22.3681% | 1,210 |
| Total risk-based capital ratio | 23.6456% | 1,183 |
| Memoranda: |
| Average total assets | $188,525,670 | 3,169 |
| Average earning assets | $178,611,330 | 3,099 |
| Average equity | $23,734,330 | 2,772 |
| Average total loans | $84,986,330 | 3,791 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2761% | 5,891 |
| Cost of funding earning assets | 0.3305% | 4,730 |
| Net interest margin | 2.9456% | 5,655 |
| Noninterest income to average assets | 0.6604% | 2,401 |
| Noninterest expense to average assets | 3.0683% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3737% | 5,212 |
| Return on assets (ROA) | 0.3950% | 5,208 |
| Pretax return on assets | 0.3950% | 5,473 |
| Return on Equity (ROE) | 3.1745% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.1745% | 4,224 |
| Net charge-offs to loans | 1.2912% | 257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.6543% | 3,289 |
| Efficiency ratio | 88.6490% | 1,162 |
| Assets per employee ($millions) | 3.8819% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8799% | 496 |
| Loan loss allowance to noncurrent loans | 44.2038% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 2.9746% | 968 |
| Noncurrent loans to loans | 6.5150% | 253 |
| Net loans and leases to total assets | 41.9839% | 5,673 |
| Net loans and leases to deposits | 51.1248% | 5,512 |
| Net loans and leases to core deposits | 52.0065% | 5,615 |
| Total domestic deposits to total assets | 82.1204% | 4,905 |
| Equity capital to assets | 12.3426% | 1,662 |
| Core capital (leverage) ratio | 12.0413% | 1,631 |
| Tier 1 risk-based capital ratio | 23.5401% | 1,073 |
| Total risk-based capital ratio | 24.8129% | 1,048 |
| Memoranda: |
| Average total assets | $188,377,500 | 3,186 |
| Average earning assets | $177,893,500 | 3,128 |
| Average equity | $23,437,000 | 2,802 |
| Average total loans | $83,332,000 | 3,851 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0909% | 6,252 |
| Cost of funding earning assets | 0.3460% | 5,184 |
| Net interest margin | 2.7449% | 6,078 |
| Noninterest income to average assets | 0.7203% | 2,427 |
| Noninterest expense to average assets | 3.2278% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0968% | 6,051 |
| Return on assets (ROA) | 0.2315% | 5,807 |
| Pretax return on assets | 0.2315% | 5,884 |
| Return on Equity (ROE) | 1.8720% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.8720% | 4,902 |
| Net charge-offs to loans | 0.6210% | 1,058 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.3573% | 4,964 |
| Efficiency ratio | 96.5659% | 612 |
| Assets per employee ($millions) | 3.7309% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1230% | 409 |
| Loan loss allowance to noncurrent loans | 44.3865% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.3461% | 901 |
| Noncurrent loans to loans | 7.0359% | 240 |
| Net loans and leases to total assets | 43.8508% | 5,684 |
| Net loans and leases to deposits | 55.2736% | 5,371 |
| Net loans and leases to core deposits | 56.2802% | 5,513 |
| Total domestic deposits to total assets | 79.3341% | 5,595 |
| Equity capital to assets | 12.5423% | 1,496 |
| Core capital (leverage) ratio | 11.9244% | 1,661 |
| Tier 1 risk-based capital ratio | 23.5481% | 1,014 |
| Total risk-based capital ratio | 24.8167% | 992 |
| Memoranda: |
| Average total assets | $190,069,600 | 3,156 |
| Average earning assets | $180,336,600 | 3,062 |
| Average equity | $23,503,800 | 2,772 |
| Average total loans | $82,925,200 | 3,854 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0366% | 6,388 |
| Cost of funding earning assets | 0.3474% | 5,319 |
| Net interest margin | 2.6892% | 6,198 |
| Noninterest income to average assets | 0.7352% | 2,435 |
| Noninterest expense to average assets | 3.1972% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0950% | 6,150 |
| Return on assets (ROA) | 0.3296% | 5,626 |
| Pretax return on assets | 0.3296% | 5,801 |
| Return on Equity (ROE) | 2.6745% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.6745% | 4,717 |
| Net charge-offs to loans | 0.4797% | 1,335 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4579% | 4,711 |
| Efficiency ratio | 96.5854% | 594 |
| Assets per employee ($millions) | 3.5881% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3252% | 403 |
| Loan loss allowance to noncurrent loans | 38.1073% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 4.1864% | 737 |
| Noncurrent loans to loans | 8.7258% | 193 |
| Net loans and leases to total assets | 44.4871% | 5,687 |
| Net loans and leases to deposits | 54.4395% | 5,495 |
| Net loans and leases to core deposits | 55.4002% | 5,674 |
| Total domestic deposits to total assets | 81.7185% | 5,024 |
| Equity capital to assets | 12.5532% | 1,552 |
| Core capital (leverage) ratio | 12.1609% | 1,584 |
| Tier 1 risk-based capital ratio | 23.1631% | 1,115 |
| Total risk-based capital ratio | 24.4342% | 1,096 |
| Memoranda: |
| Average total assets | $190,951,000 | 3,170 |
| Average earning assets | $181,560,000 | 3,080 |
| Average equity | $23,530,500 | 2,800 |
| Average total loans | $82,547,000 | 3,895 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9916% | 6,457 |
| Cost of funding earning assets | 0.3466% | 5,439 |
| Net interest margin | 2.6450% | 6,277 |
| Noninterest income to average assets | 0.7027% | 2,623 |
| Noninterest expense to average assets | 3.2379% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0208% | 6,324 |
| Return on assets (ROA) | 0.2204% | 5,967 |
| Pretax return on assets | 0.2204% | 6,050 |
| Return on Equity (ROE) | 1.7992% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.7992% | 5,111 |
| Net charge-offs to loans | 0.6066% | 1,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.0810% | 4,577 |
| Efficiency ratio | 100.1292% | 481 |
| Assets per employee ($millions) | 3.4930% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5616% | 351 |
| Loan loss allowance to noncurrent loans | 49.1207% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 3.3050% | 1,189 |
| Noncurrent loans to loans | 7.2507% | 319 |
| Net loans and leases to total assets | 41.7015% | 5,919 |
| Net loans and leases to deposits | 50.7753% | 5,787 |
| Net loans and leases to core deposits | 51.6359% | 5,917 |
| Total domestic deposits to total assets | 82.1295% | 5,011 |
| Equity capital to assets | 12.1787% | 1,787 |
| Core capital (leverage) ratio | 11.7506% | 1,765 |
| Tier 1 risk-based capital ratio | 23.5831% | 1,049 |
| Total risk-based capital ratio | 24.8559% | 1,026 |
| Memoranda: |
| Average total assets | $192,407,330 | 3,158 |
| Average earning assets | $182,912,330 | 3,080 |
| Average equity | $23,566,670 | 2,812 |
| Average total loans | $81,442,670 | 3,941 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8729% | 6,632 |
| Cost of funding earning assets | 0.3453% | 5,588 |
| Net interest margin | 2.5276% | 6,470 |
| Noninterest income to average assets | 0.6752% | 2,722 |
| Noninterest expense to average assets | 3.3165% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2450% | 6,540 |
| Return on assets (ROA) | -0.2450% | 6,574 |
| Pretax return on assets | -0.2450% | 6,564 |
| Return on Equity (ROE) | -1.9946% | 6,558 |
| Retained earnings to average equity (ytd only) | -1.9946% | 6,077 |
| Net charge-offs to loans | 0.4227% | 1,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.3837% | 3,989 |
| Efficiency ratio | 107.4397% | 367 |
| Assets per employee ($millions) | 3.6438% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8970% | 313 |
| Loan loss allowance to noncurrent loans | 42.7555% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 3.8203% | 1,079 |
| Noncurrent loans to loans | 9.1146% | 257 |
| Net loans and leases to total assets | 38.4264% | 6,125 |
| Net loans and leases to deposits | 46.5467% | 6,019 |
| Net loans and leases to core deposits | 47.2982% | 6,136 |
| Total domestic deposits to total assets | 82.5544% | 5,008 |
| Equity capital to assets | 12.1017% | 1,973 |
| Core capital (leverage) ratio | 11.2436% | 2,060 |
| Tier 1 risk-based capital ratio | 23.5801% | 1,075 |
| Total risk-based capital ratio | 24.8556% | 1,054 |
| Memoranda: |
| Average total assets | $194,299,000 | 3,169 |
| Average earning assets | $184,203,000 | 3,095 |
| Average equity | $23,864,000 | 2,815 |
| Average total loans | $81,382,000 | 3,975 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6342% | 6,160 |
| Cost of funding earning assets | 0.3453% | 6,243 |
| Net interest margin | 3.2889% | 5,284 |
| Noninterest income to average assets | 3.0063% | 255 |
| Noninterest expense to average assets | 3.5272% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.5983% | 135 |
| Return on assets (ROA) | 2.5759% | 153 |
| Pretax return on assets | 2.5759% | 232 |
| Return on Equity (ROE) | 33.0049% | 49 |
| Retained earnings to average equity (ytd only) | 33.0049% | 17 |
| Net charge-offs to loans | 1.2262% | 816 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.6032% | 3,309 |
| Efficiency ratio | 57.0840% | 5,949 |
| Assets per employee ($millions) | 3.4256% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7485% | 341 |
| Loan loss allowance to noncurrent loans | 40.0916% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 4.2647% | 987 |
| Noncurrent loans to loans | 9.3497% | 266 |
| Net loans and leases to total assets | 42.1911% | 5,988 |
| Net loans and leases to deposits | 53.9279% | 5,659 |
| Net loans and leases to core deposits | 54.8707% | 5,808 |
| Total domestic deposits to total assets | 78.2362% | 6,041 |
| Equity capital to assets | 12.4672% | 1,735 |
| Core capital (leverage) ratio | 9.6475% | 3,894 |
| Tier 1 risk-based capital ratio | 23.1279% | 1,094 |
| Total risk-based capital ratio | 24.4029% | 1,075 |
| Memoranda: |
| Average total assets | $245,549,400 | 2,567 |
| Average earning assets | $232,872,000 | 2,474 |
| Average equity | $19,163,800 | 3,311 |
| Average total loans | $113,034,200 | 3,226 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3766% | 6,654 |
| Cost of funding earning assets | 0.3471% | 6,390 |
| Net interest margin | 3.0294% | 6,106 |
| Noninterest income to average assets | 0.9478% | 1,674 |
| Noninterest expense to average assets | 3.3891% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4386% | 5,084 |
| Return on assets (ROA) | 0.4386% | 5,322 |
| Pretax return on assets | 0.4386% | 5,628 |
| Return on Equity (ROE) | 6.3195% | 4,160 |
| Retained earnings to average equity (ytd only) | 6.3195% | 2,473 |
| Net charge-offs to loans | 0.4368% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.1624% | 4,179 |
| Efficiency ratio | 87.7068% | 1,226 |
| Assets per employee ($millions) | 3.3906% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6390% | 412 |
| Loan loss allowance to noncurrent loans | 44.1744% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 3.8145% | 1,287 |
| Noncurrent loans to loans | 8.2378% | 367 |
| Net loans and leases to total assets | 43.1517% | 6,027 |
| Net loans and leases to deposits | 48.7425% | 6,215 |
| Net loans and leases to core deposits | 49.3071% | 6,322 |
| Total domestic deposits to total assets | 88.5299% | 1,706 |
| Equity capital to assets | 7.3210% | 6,812 |
| Core capital (leverage) ratio | 6.4191% | 6,899 |
| Tier 1 risk-based capital ratio | 12.0899% | 5,893 |
| Total risk-based capital ratio | 13.3628% | 5,855 |
| Memoranda: |
| Average total assets | $258,978,750 | 2,473 |
| Average earning assets | $246,200,250 | 2,387 |
| Average equity | $17,975,750 | 3,510 |
| Average total loans | $120,270,750 | 3,108 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3576% | 6,768 |
| Cost of funding earning assets | 0.3697% | 6,417 |
| Net interest margin | 2.9880% | 6,270 |
| Noninterest income to average assets | 1.0570% | 1,293 |
| Noninterest expense to average assets | 3.4851% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4076% | 5,185 |
| Return on assets (ROA) | 0.4076% | 5,425 |
| Pretax return on assets | 0.4076% | 5,695 |
| Return on Equity (ROE) | 5.9791% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.9791% | 2,729 |
| Net charge-offs to loans | 0.1422% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.1034% | 2,698 |
| Efficiency ratio | 88.7005% | 1,174 |
| Assets per employee ($millions) | 3.2544% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7205% | 420 |
| Loan loss allowance to noncurrent loans | 41.5787% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 4.3877% | 1,133 |
| Noncurrent loans to loans | 8.9481% | 345 |
| Net loans and leases to total assets | 45.3755% | 5,885 |
| Net loans and leases to deposits | 51.1175% | 6,095 |
| Net loans and leases to core deposits | 51.7077% | 6,256 |
| Total domestic deposits to total assets | 88.7671% | 1,662 |
| Equity capital to assets | 7.0910% | 6,893 |
| Core capital (leverage) ratio | 6.1324% | 6,972 |
| Tier 1 risk-based capital ratio | 11.5209% | 6,203 |
| Total risk-based capital ratio | 12.7955% | 6,168 |
| Memoranda: |
| Average total assets | $260,539,670 | 2,455 |
| Average earning assets | $247,257,330 | 2,377 |
| Average equity | $17,762,000 | 3,532 |
| Average total loans | $122,402,000 | 3,080 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3882% | 6,824 |
| Cost of funding earning assets | 0.4081% | 6,370 |
| Net interest margin | 2.9801% | 6,340 |
| Noninterest income to average assets | 1.0990% | 1,174 |
| Noninterest expense to average assets | 3.6622% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2501% | 5,824 |
| Return on assets (ROA) | 0.2501% | 5,974 |
| Pretax return on assets | 0.2592% | 6,064 |
| Return on Equity (ROE) | 3.7409% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.7409% | 4,340 |
| Net charge-offs to loans | -0.1583% | 6,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5783% | 902 |
| Assets per employee ($millions) | 3.5595% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9859% | 374 |
| Loan loss allowance to noncurrent loans | 62.7668% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.8615% | 2,041 |
| Noncurrent loans to loans | 6.3503% | 752 |
| Net loans and leases to total assets | 40.8456% | 6,277 |
| Net loans and leases to deposits | 45.6137% | 6,459 |
| Net loans and leases to core deposits | 46.2975% | 6,550 |
| Total domestic deposits to total assets | 89.5468% | 1,339 |
| Equity capital to assets | 6.5833% | 6,997 |
| Core capital (leverage) ratio | 5.8089% | 7,055 |
| Tier 1 risk-based capital ratio | 10.6547% | 6,693 |
| Total risk-based capital ratio | 11.9280% | 6,661 |
| Memoranda: |
| Average total assets | $263,887,500 | 2,440 |
| Average earning assets | $249,923,500 | 2,366 |
| Average equity | $17,643,000 | 3,552 |
| Average total loans | $123,786,000 | 3,067 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1096% | 6,267 |
| Cost of funding earning assets | 0.5868% | 6,154 |
| Net interest margin | 3.5227% | 5,056 |
| Noninterest income to average assets | 0.8199% | 1,962 |
| Noninterest expense to average assets | 3.9267% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2139% | 5,547 |
| Return on assets (ROA) | 0.2139% | 5,688 |
| Pretax return on assets | 0.2094% | 5,760 |
| Return on Equity (ROE) | 3.2046% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.2046% | 3,940 |
| Net charge-offs to loans | 1.7752% | 836 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.2197% | 5,662 |
| Efficiency ratio | 94.1217% | 916 |
| Assets per employee ($millions) | 3.3410% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4244% | 563 |
| Loan loss allowance to noncurrent loans | 55.9502% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 3.3204% | 1,789 |
| Noncurrent loans to loans | 6.1205% | 799 |
| Net loans and leases to total assets | 49.7376% | 5,626 |
| Net loans and leases to deposits | 56.0484% | 5,891 |
| Net loans and leases to core deposits | 56.9143% | 6,087 |
| Total domestic deposits to total assets | 88.7404% | 1,695 |
| Equity capital to assets | 6.7936% | 7,010 |
| Core capital (leverage) ratio | 6.3711% | 7,006 |
| Tier 1 risk-based capital ratio | 9.9346% | 6,870 |
| Total risk-based capital ratio | 11.2056% | 6,860 |
| Memoranda: |
| Average total assets | $246,367,000 | 2,564 |
| Average earning assets | $231,922,400 | 2,492 |
| Average equity | $16,445,000 | 3,657 |
| Average total loans | $132,322,200 | 2,949 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1044% | 6,405 |
| Cost of funding earning assets | 0.6217% | 6,177 |
| Net interest margin | 3.4827% | 5,255 |
| Noninterest income to average assets | 0.7607% | 2,255 |
| Noninterest expense to average assets | 4.0862% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0148% | 6,173 |
| Return on assets (ROA) | -0.0148% | 6,279 |
| Pretax return on assets | -0.0421% | 6,272 |
| Return on Equity (ROE) | -0.2224% | 6,290 |
| Retained earnings to average equity (ytd only) | -0.2224% | 6,013 |
| Net charge-offs to loans | 1.9544% | 658 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.0397% | 5,627 |
| Efficiency ratio | 100.1894% | 653 |
| Assets per employee ($millions) | 3.1409% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7895% | 457 |
| Loan loss allowance to noncurrent loans | 53.0452% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 4.0447% | 1,515 |
| Noncurrent loans to loans | 7.1439% | 687 |
| Net loans and leases to total assets | 52.6160% | 5,372 |
| Net loans and leases to deposits | 60.5478% | 5,574 |
| Net loans and leases to core deposits | 61.5870% | 5,854 |
| Total domestic deposits to total assets | 86.8998% | 2,717 |
| Equity capital to assets | 7.2457% | 7,004 |
| Core capital (leverage) ratio | 6.0824% | 7,123 |
| Tier 1 risk-based capital ratio | 9.9828% | 6,962 |
| Total risk-based capital ratio | 11.2595% | 6,936 |
| Memoranda: |
| Average total assets | $243,644,750 | 2,601 |
| Average earning assets | $229,698,250 | 2,515 |
| Average equity | $16,187,000 | 3,707 |
| Average total loans | $132,280,250 | 2,971 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0783% | 6,533 |
| Cost of funding earning assets | 0.6500% | 6,232 |
| Net interest margin | 3.4283% | 5,451 |
| Noninterest income to average assets | 0.8080% | 1,980 |
| Noninterest expense to average assets | 3.9643% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1003% | 6,018 |
| Return on assets (ROA) | 0.1003% | 6,095 |
| Pretax return on assets | 0.0693% | 6,150 |
| Return on Equity (ROE) | 1.5553% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.5553% | 5,205 |
| Net charge-offs to loans | 1.6755% | 863 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.0764% | 5,231 |
| Efficiency ratio | 97.4328% | 813 |
| Assets per employee ($millions) | 3.0587% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4424% | 291 |
| Loan loss allowance to noncurrent loans | 63.0309% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.9028% | 1,656 |
| Noncurrent loans to loans | 7.0480% | 729 |
| Net loans and leases to total assets | 50.7477% | 5,726 |
| Net loans and leases to deposits | 58.6592% | 5,859 |
| Net loans and leases to core deposits | 60.0033% | 6,088 |
| Total domestic deposits to total assets | 86.5127% | 3,036 |
| Equity capital to assets | 7.1492% | 7,072 |
| Core capital (leverage) ratio | 5.9663% | 7,200 |
| Tier 1 risk-based capital ratio | 10.1122% | 6,947 |
| Total risk-based capital ratio | 11.3956% | 6,923 |
| Memoranda: |
| Average total assets | $245,290,670 | 2,598 |
| Average earning assets | $230,781,670 | 2,517 |
| Average equity | $15,817,330 | 3,763 |
| Average total loans | $132,858,670 | 2,984 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9939% | 6,710 |
| Cost of funding earning assets | 0.6917% | 6,179 |
| Net interest margin | 3.3022% | 5,768 |
| Noninterest income to average assets | 0.6320% | 2,951 |
| Noninterest expense to average assets | 3.9693% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1743% | 6,532 |
| Return on assets (ROA) | -0.1743% | 6,551 |
| Pretax return on assets | -0.2427% | 6,572 |
| Return on Equity (ROE) | -2.8573% | 6,651 |
| Retained earnings to average equity (ytd only) | -2.8573% | 6,271 |
| Net charge-offs to loans | -0.2234% | 7,281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5944% | 586 |
| Assets per employee ($millions) | 3.0634% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.4754% | 141 |
| Loan loss allowance to noncurrent loans | 66.9327% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 5.0207% | 1,255 |
| Noncurrent loans to loans | 8.1805% | 595 |
| Net loans and leases to total assets | 47.8388% | 6,097 |
| Net loans and leases to deposits | 53.5345% | 6,340 |
| Net loans and leases to core deposits | 54.6853% | 6,512 |
| Total domestic deposits to total assets | 89.3607% | 1,558 |
| Equity capital to assets | 6.0709% | 7,277 |
| Core capital (leverage) ratio | 5.6878% | 7,297 |
| Tier 1 risk-based capital ratio | 9.9044% | 7,035 |
| Total risk-based capital ratio | 11.1982% | 7,020 |
| Memoranda: |
| Average total assets | $245,587,500 | 2,607 |
| Average earning assets | $230,149,500 | 2,544 |
| Average equity | $14,979,000 | 3,905 |
| Average total loans | $134,312,500 | 2,998 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6218% | 6,050 |
| Cost of funding earning assets | 0.8387% | 6,405 |
| Net interest margin | 3.7831% | 4,015 |
| Noninterest income to average assets | 0.9992% | 1,504 |
| Noninterest expense to average assets | 3.7989% | 1,491 |
| Loan and lease loss provision to assets | 2.2219% | 547 |
| Net operating income to assets | -1.4889% | 6,910 |
| Return on assets (ROA) | -1.1618% | 6,790 |
| Pretax return on assets | -1.1618% | 6,724 |
| Return on Equity (ROE) | -19.1092% | 7,019 |
| Retained earnings to average equity (ytd only) | -19.1092% | 6,995 |
| Net charge-offs to loans | 2.1711% | 903 |
| Credit loss provision to net charge-offs | 174.2289% | 1,928 |
| Earnings coverage of net charge-offs (x) | 0.5747% | 5,529 |
| Efficiency ratio | 83.1344% | 2,040 |
| Assets per employee ($millions) | 2.8232% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.8667% | 209 |
| Loan loss allowance to noncurrent loans | 87.8989% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 4.2009% | 1,593 |
| Noncurrent loans to loans | 5.5367% | 1,184 |
| Net loans and leases to total assets | 56.0921% | 5,333 |
| Net loans and leases to deposits | 63.9093% | 5,638 |
| Net loans and leases to core deposits | 65.0923% | 5,968 |
| Total domestic deposits to total assets | 87.7683% | 2,382 |
| Equity capital to assets | 6.1290% | 7,325 |
| Core capital (leverage) ratio | 5.4817% | 7,368 |
| Tier 1 risk-based capital ratio | 8.9402% | 7,257 |
| Total risk-based capital ratio | 10.3596% | 7,226 |
| Memoranda: |
| Average total assets | $264,419,000 | 2,409 |
| Average earning assets | $246,915,800 | 2,366 |
| Average equity | $16,076,000 | 3,742 |
| Average total loans | $155,311,800 | 2,678 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7376% | 5,894 |
| Cost of funding earning assets | 0.8436% | 6,609 |
| Net interest margin | 3.8940% | 3,554 |
| Noninterest income to average assets | 1.2208% | 931 |
| Noninterest expense to average assets | 3.6934% | 1,578 |
| Loan and lease loss provision to assets | 2.1685% | 520 |
| Net operating income to assets | -1.0059% | 6,903 |
| Return on assets (ROA) | -0.6215% | 6,724 |
| Pretax return on assets | -0.6215% | 6,630 |
| Return on Equity (ROE) | -10.2405% | 6,939 |
| Retained earnings to average equity (ytd only) | -10.2405% | 6,890 |
| Net charge-offs to loans | 2.7528% | 590 |
| Credit loss provision to net charge-offs | 134.2282% | 3,006 |
| Earnings coverage of net charge-offs (x) | 0.7196% | 5,337 |
| Efficiency ratio | 75.4187% | 3,054 |
| Assets per employee ($millions) | 2.7874% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7857% | 438 |
| Loan loss allowance to noncurrent loans | 83.3460% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 3.9068% | 1,805 |
| Noncurrent loans to loans | 4.5422% | 1,587 |
| Net loans and leases to total assets | 56.3972% | 5,492 |
| Net loans and leases to deposits | 64.5778% | 5,839 |
| Net loans and leases to core deposits | 65.8519% | 6,137 |
| Total domestic deposits to total assets | 87.3322% | 2,353 |
| Equity capital to assets | 6.7680% | 7,387 |
| Core capital (leverage) ratio | 5.8461% | 7,454 |
| Tier 1 risk-based capital ratio | 9.7243% | 7,177 |
| Total risk-based capital ratio | 11.1271% | 7,117 |
| Memoranda: |
| Average total assets | $270,530,000 | 2,387 |
| Average earning assets | $252,554,500 | 2,350 |
| Average equity | $16,418,000 | 3,737 |
| Average total loans | $158,766,500 | 2,678 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7462% | 5,989 |
| Cost of funding earning assets | 0.8369% | 6,800 |
| Net interest margin | 3.9093% | 3,402 |
| Noninterest income to average assets | 0.1482% | 6,835 |
| Noninterest expense to average assets | 3.7034% | 1,553 |
| Loan and lease loss provision to assets | 3.1653% | 303 |
| Net operating income to assets | -3.0711% | 7,519 |
| Return on assets (ROA) | -3.0711% | 7,523 |
| Pretax return on assets | -3.0711% | 7,480 |
| Return on Equity (ROE) | -52.3997% | 7,622 |
| Retained earnings to average equity (ytd only) | -52.3997% | 7,618 |
| Net charge-offs to loans | 2.3196% | 763 |
| Credit loss provision to net charge-offs | 232.4353% | 1,660 |
| Earnings coverage of net charge-offs (x) | 0.0692% | 5,653 |
| Efficiency ratio | 96.7229% | 928 |
| Assets per employee ($millions) | 2.8815% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2921% | 295 |
| Loan loss allowance to noncurrent loans | 76.2168% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 4.5078% | 1,475 |
| Noncurrent loans to loans | 5.6314% | 1,166 |
| Net loans and leases to total assets | 56.7217% | 5,594 |
| Net loans and leases to deposits | 63.4556% | 6,094 |
| Net loans and leases to core deposits | 64.8639% | 6,325 |
| Total domestic deposits to total assets | 89.3880% | 1,232 |
| Equity capital to assets | 5.2432% | 7,618 |
| Core capital (leverage) ratio | 4.5038% | 7,654 |
| Tier 1 risk-based capital ratio | 7.2637% | 7,581 |
| Total risk-based capital ratio | 8.6644% | 7,575 |
| Memoranda: |
| Average total assets | $278,014,000 | 2,346 |
| Average earning assets | $259,532,330 | 2,310 |
| Average equity | $16,294,000 | 3,755 |
| Average total loans | $163,217,330 | 2,649 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7529% | 6,061 |
| Cost of funding earning assets | 0.8430% | 6,962 |
| Net interest margin | 3.9099% | 3,283 |
| Noninterest income to average assets | 0.5441% | 3,692 |
| Noninterest expense to average assets | 3.8297% | 1,277 |
| Loan and lease loss provision to assets | 1.8467% | 609 |
| Net operating income to assets | -1.4887% | 7,327 |
| Return on assets (ROA) | -1.4887% | 7,338 |
| Pretax return on assets | -1.4887% | 7,257 |
| Return on Equity (ROE) | -24.1753% | 7,489 |
| Retained earnings to average equity (ytd only) | -24.1753% | 7,446 |
| Net charge-offs to loans | 1.7112% | 1,012 |
| Credit loss provision to net charge-offs | 184.6591% | 1,982 |
| Earnings coverage of net charge-offs (x) | 0.3580% | 4,721 |
| Efficiency ratio | 90.7395% | 1,374 |
| Assets per employee ($millions) | 2.8376% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1673% | 718 |
| Loan loss allowance to noncurrent loans | 56.6762% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 3.9402% | 1,752 |
| Noncurrent loans to loans | 5.5884% | 1,241 |
| Net loans and leases to total assets | 55.3049% | 5,845 |
| Net loans and leases to deposits | 62.3962% | 6,241 |
| Net loans and leases to core deposits | 63.7679% | 6,465 |
| Total domestic deposits to total assets | 88.6351% | 1,714 |
| Equity capital to assets | 6.0398% | 7,614 |
| Core capital (leverage) ratio | 5.4601% | 7,658 |
| Tier 1 risk-based capital ratio | 9.0977% | 7,457 |
| Total risk-based capital ratio | 10.4847% | 7,413 |
| Memoranda: |
| Average total assets | $281,589,500 | 2,381 |
| Average earning assets | $262,408,500 | 2,337 |
| Average equity | $17,340,000 | 3,596 |
| Average total loans | $164,562,000 | 2,693 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4319% | 4,525 |
| Cost of funding earning assets | 0.9928% | 7,220 |
| Net interest margin | 4.4390% | 1,317 |
| Noninterest income to average assets | -0.9671% | 7,986 |
| Noninterest expense to average assets | 4.5720% | 738 |
| Loan and lease loss provision to assets | 3.7611% | 386 |
| Net operating income to assets | -5.2529% | 7,776 |
| Return on assets (ROA) | -4.7016% | 7,703 |
| Pretax return on assets | -4.7016% | 7,666 |
| Return on Equity (ROE) | -49.5211% | 7,679 |
| Retained earnings to average equity (ytd only) | -49.5211% | 7,672 |
| Net charge-offs to loans | 5.9334% | 176 |
| Credit loss provision to net charge-offs | 104.5958% | 5,288 |
| Earnings coverage of net charge-offs (x) | -0.4149% | 6,641 |
| Efficiency ratio | 104.5630% | 942 |
| Assets per employee ($millions) | 2.9993% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5494% | 1,169 |
| Loan loss allowance to noncurrent loans | 43.9222% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 4.1537% | 1,576 |
| Noncurrent loans to loans | 5.8044% | 1,091 |
| Net loans and leases to total assets | 58.1862% | 5,638 |
| Net loans and leases to deposits | 65.9019% | 6,059 |
| Net loans and leases to core deposits | 76.9944% | 6,337 |
| Total domestic deposits to total assets | 88.2922% | 1,827 |
| Equity capital to assets | 6.2708% | 7,617 |
| Core capital (leverage) ratio | 5.5627% | 7,700 |
| Tier 1 risk-based capital ratio | 8.9452% | 7,491 |
| Total risk-based capital ratio | 10.4243% | 7,395 |
| Memoranda: |
| Average total assets | $311,638,400 | 2,153 |
| Average earning assets | $284,138,600 | 2,165 |
| Average equity | $29,587,400 | 2,259 |
| Average total loans | $188,863,600 | 2,418 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4584% | 4,645 |
| Cost of funding earning assets | 1.0313% | 7,322 |
| Net interest margin | 4.4271% | 1,373 |
| Noninterest income to average assets | -0.7007% | 8,062 |
| Noninterest expense to average assets | 3.3445% | 2,745 |
| Loan and lease loss provision to assets | 1.3540% | 1,425 |
| Net operating income to assets | -1.3784% | 7,053 |
| Return on assets (ROA) | -0.9329% | 6,791 |
| Pretax return on assets | -0.9329% | 6,634 |
| Return on Equity (ROE) | -9.1240% | 6,819 |
| Retained earnings to average equity (ytd only) | -9.1240% | 6,713 |
| Net charge-offs to loans | 1.9658% | 1,011 |
| Credit loss provision to net charge-offs | 113.2771% | 4,487 |
| Earnings coverage of net charge-offs (x) | -0.0204% | 6,091 |
| Efficiency ratio | 99.9241% | 1,066 |
| Assets per employee ($millions) | 3.2282% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2075% | 1,407 |
| Loan loss allowance to noncurrent loans | 25.7646% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 6.9049% | 699 |
| Noncurrent loans to loans | 8.5678% | 537 |
| Net loans and leases to total assets | 61.3345% | 5,353 |
| Net loans and leases to deposits | 74.4734% | 5,297 |
| Net loans and leases to core deposits | 88.5173% | 5,591 |
| Total domestic deposits to total assets | 82.3576% | 4,521 |
| Equity capital to assets | 10.0788% | 3,982 |
| Core capital (leverage) ratio | 8.2079% | 5,995 |
| Tier 1 risk-based capital ratio | 11.8163% | 5,146 |
| Total risk-based capital ratio | 13.5514% | 4,647 |
| Memoranda: |
| Average total assets | $317,564,000 | 2,133 |
| Average earning assets | $288,430,500 | 2,150 |
| Average equity | $32,470,250 | 2,079 |
| Average total loans | $193,099,000 | 2,389 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5466% | 4,352 |
| Cost of funding earning assets | 1.0908% | 7,393 |
| Net interest margin | 4.4558% | 1,272 |
| Noninterest income to average assets | -1.0274% | 8,156 |
| Noninterest expense to average assets | 3.1227% | 3,610 |
| Loan and lease loss provision to assets | 0.4514% | 3,274 |
| Net operating income to assets | -0.5598% | 6,610 |
| Return on assets (ROA) | 0.1009% | 5,658 |
| Pretax return on assets | 0.1009% | 5,673 |
| Return on Equity (ROE) | 0.9821% | 5,640 |
| Retained earnings to average equity (ytd only) | 0.9821% | 4,788 |
| Net charge-offs to loans | 0.7892% | 2,101 |
| Credit loss provision to net charge-offs | 95.0197% | 4,774 |
| Earnings coverage of net charge-offs (x) | -0.2280% | 5,904 |
| Efficiency ratio | 102.7061% | 1,067 |
| Assets per employee ($millions) | 3.1469% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9998% | 1,567 |
| Loan loss allowance to noncurrent loans | 23.6347% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 6.5328% | 694 |
| Noncurrent loans to loans | 8.4614% | 489 |
| Net loans and leases to total assets | 61.4871% | 5,438 |
| Net loans and leases to deposits | 73.1421% | 5,590 |
| Net loans and leases to core deposits | 87.0332% | 5,804 |
| Total domestic deposits to total assets | 84.0653% | 3,729 |
| Equity capital to assets | 10.7268% | 3,178 |
| Core capital (leverage) ratio | 8.8711% | 4,832 |
| Tier 1 risk-based capital ratio | 13.0289% | 4,126 |
| Total risk-based capital ratio | 14.7657% | 3,744 |
| Memoranda: |
| Average total assets | $321,191,330 | 2,143 |
| Average earning assets | $291,348,670 | 2,161 |
| Average equity | $32,990,330 | 2,058 |
| Average total loans | $193,349,330 | 2,423 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6608% | 3,989 |
| Cost of funding earning assets | 1.1671% | 7,375 |
| Net interest margin | 4.4937% | 1,140 |
| Noninterest income to average assets | -0.3998% | 8,189 |
| Noninterest expense to average assets | 2.9870% | 3,823 |
| Loan and lease loss provision to assets | 0.2430% | 4,035 |
| Net operating income to assets | 0.4314% | 4,735 |
| Return on assets (ROA) | 0.8105% | 3,246 |
| Pretax return on assets | 0.8105% | 4,039 |
| Return on Equity (ROE) | 8.0570% | 3,124 |
| Retained earnings to average equity (ytd only) | 8.0570% | 1,793 |
| Net charge-offs to loans | 0.0515% | 4,750 |
| Credit loss provision to net charge-offs | 800.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,316 |
| Efficiency ratio | 80.8497% | 2,693 |
| Assets per employee ($millions) | 3.1056% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1387% | 1,166 |
| Loan loss allowance to noncurrent loans | 23.2972% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 6.7377% | 527 |
| Noncurrent loans to loans | 9.1799% | 345 |
| Net loans and leases to total assets | 58.9799% | 5,810 |
| Net loans and leases to deposits | 70.1353% | 5,965 |
| Net loans and leases to core deposits | 83.3149% | 6,118 |
| Total domestic deposits to total assets | 84.0945% | 3,660 |
| Equity capital to assets | 10.6974% | 3,292 |
| Core capital (leverage) ratio | 8.5386% | 5,453 |
| Tier 1 risk-based capital ratio | 13.0503% | 4,159 |
| Total risk-based capital ratio | 14.7805% | 3,769 |
| Memoranda: |
| Average total assets | $329,164,000 | 2,118 |
| Average earning assets | $297,486,000 | 2,137 |
| Average equity | $33,114,000 | 2,045 |
| Average total loans | $194,265,500 | 2,429 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7308% | 1,926 |
| Cost of funding earning assets | 2.0480% | 6,246 |
| Net interest margin | 4.6828% | 1,005 |
| Noninterest income to average assets | 0.0248% | 8,008 |
| Noninterest expense to average assets | 3.1411% | 3,547 |
| Loan and lease loss provision to assets | 1.3339% | 1,064 |
| Net operating income to assets | -0.2547% | 6,688 |
| Return on assets (ROA) | -0.2547% | 6,531 |
| Pretax return on assets | -0.2547% | 6,418 |
| Return on Equity (ROE) | -2.6211% | 6,576 |
| Retained earnings to average equity (ytd only) | -6.7302% | 6,754 |
| Net charge-offs to loans | 1.3023% | 919 |
| Credit loss provision to net charge-offs | 172.4825% | 2,964 |
| Earnings coverage of net charge-offs (x) | 1.3954% | 5,428 |
| Efficiency ratio | 73.8407% | 3,609 |
| Assets per employee ($millions) | 3.3790% | 4,999 |
| Cash dividends to net income (ytd only)* | -156.7749% | 8,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9390% | 1,340 |
| Loan loss allowance to noncurrent loans | 20.0031% | 7,243 |
| Noncurrent assets plus other real estate owned to assets | 6.8052% | 392 |
| Noncurrent loans to loans | 9.6933% | 225 |
| Net loans and leases to total assets | 56.7571% | 6,355 |
| Net loans and leases to deposits | 70.5115% | 6,218 |
| Net loans and leases to core deposits | 83.9538% | 6,293 |
| Total domestic deposits to total assets | 80.4934% | 4,842 |
| Equity capital to assets | 9.4800% | 4,715 |
| Core capital (leverage) ratio | 7.8674% | 6,704 |
| Tier 1 risk-based capital ratio | 11.7447% | 5,021 |
| Total risk-based capital ratio | 13.2615% | 4,699 |
| Memoranda: |
| Average total assets | $350,549,200 | 1,900 |
| Average earning assets | $314,062,800 | 1,941 |
| Average equity | $34,070,200 | 1,989 |
| Average total loans | $208,168,000 | 2,221 |
