| 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 | 5.6959% | 1,758 |
| Cost of funding earning assets | 2.2565% | 1,613 |
| Net interest margin | 3.4393% | 2,196 |
| Noninterest income to average assets | 0.9400% | 685 |
| Noninterest expense to average assets | 2.7817% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.2774% | 1,340 |
| Return on assets (ROA) | 1.1403% | 1,650 |
| Pretax return on assets | 1.1780% | 2,042 |
| Return on Equity (ROE) | 11.2600% | 1,805 |
| Retained earnings to average equity (ytd only) | 5.8034% | 1,906 |
| Net charge-offs to loans | 0.2219% | 654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 8.5409% | 2,366 |
| Efficiency ratio | 67.8285% | 2,276 |
| Assets per employee ($millions) | 5.9364% | 2,923 |
| Cash dividends to net income (ytd only)* | 48.4832% | 1,714 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3889% | 1,334 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 69.3200% | 1,984 |
| Net loans and leases to deposits | 87.6751% | 1,431 |
| Net loans and leases to core deposits | 107.0038% | 1,074 |
| Total domestic deposits to total assets | 79.0700% | 3,666 |
| Equity capital to assets | 10.5102% | 1,828 |
| Core capital (leverage) ratio | 10.7500% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9955% | 1,521 |
| Memoranda: |
| Average total assets | $633,099,200 | 1,470 |
| Average earning assets | $582,757,600 | 1,472 |
| Average equity | $64,083,600 | 1,415 |
| Average total loans | $440,755,800 | 1,427 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6890% | 1,734 |
| Cost of funding earning assets | 2.3121% | 1,515 |
| Net interest margin | 3.3769% | 2,284 |
| Noninterest income to average assets | 0.9200% | 704 |
| Noninterest expense to average assets | 2.6838% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3061% | 1,300 |
| Return on assets (ROA) | 1.1235% | 1,702 |
| Pretax return on assets | 1.1584% | 2,097 |
| Return on Equity (ROE) | 11.2100% | 1,842 |
| Retained earnings to average equity (ytd only) | 6.0677% | 2,059 |
| Net charge-offs to loans | 0.3431% | 380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.6523% | 2,355 |
| Efficiency ratio | 66.5884% | 2,417 |
| Assets per employee ($millions) | 5.9999% | 2,868 |
| Cash dividends to net income (ytd only)* | 45.8544% | 1,543 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3579% | 1,493 |
| Loan loss allowance to noncurrent loans | 299,500.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,855 |
| Noncurrent loans to loans | 0.0005% | 3,825 |
| Net loans and leases to total assets | 69.0700% | 1,953 |
| Net loans and leases to deposits | 85.7946% | 1,660 |
| Net loans and leases to core deposits | 110.4708% | 921 |
| Total domestic deposits to total assets | 80.5000% | 3,387 |
| Equity capital to assets | 10.7836% | 1,838 |
| Core capital (leverage) ratio | 10.5648% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8800% | 1,948 |
| Memoranda: |
| Average total assets | $634,060,250 | 1,455 |
| Average earning assets | $584,157,500 | 1,464 |
| Average equity | $63,570,500 | 1,410 |
| Average total loans | $440,351,250 | 1,426 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6183% | 1,740 |
| Cost of funding earning assets | 2.2919% | 1,458 |
| Net interest margin | 3.3264% | 2,352 |
| Noninterest income to average assets | 0.8900% | 727 |
| Noninterest expense to average assets | 2.6742% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2509% | 1,362 |
| Return on assets (ROA) | 0.9776% | 2,064 |
| Pretax return on assets | 1.0044% | 2,470 |
| Return on Equity (ROE) | 10.0000% | 2,187 |
| Retained earnings to average equity (ytd only) | 5.4930% | 2,184 |
| Net charge-offs to loans | 0.5081% | 245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 3.6547% | 2,313 |
| Efficiency ratio | 67.5250% | 2,377 |
| Assets per employee ($millions) | 5.9670% | 2,829 |
| Cash dividends to net income (ytd only)* | 45.0741% | 1,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3724% | 1,465 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.5400% | 1,958 |
| Net loans and leases to deposits | 86.3096% | 1,625 |
| Net loans and leases to core deposits | 97.5580% | 1,636 |
| Total domestic deposits to total assets | 80.5700% | 3,349 |
| Equity capital to assets | 10.1970% | 1,970 |
| Core capital (leverage) ratio | 10.2333% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6685% | 1,634 |
| Memoranda: |
| Average total assets | $635,415,667 | 1,449 |
| Average earning assets | $586,761,333 | 1,455 |
| Average equity | $62,115,333 | 1,423 |
| Average total loans | $440,096,000 | 1,429 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4470% | 1,912 |
| Cost of funding earning assets | 2.2297% | 1,488 |
| Net interest margin | 3.2172% | 2,529 |
| Noninterest income to average assets | 0.7700% | 891 |
| Noninterest expense to average assets | 2.6053% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1097% | 1,639 |
| Return on assets (ROA) | 0.8189% | 2,506 |
| Pretax return on assets | 0.8363% | 2,838 |
| Return on Equity (ROE) | 8.5500% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.1419% | 2,359 |
| Net charge-offs to loans | 0.6860% | 142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 2.4055% | 2,000 |
| Efficiency ratio | 69.6904% | 2,182 |
| Assets per employee ($millions) | 6.0450% | 2,807 |
| Cash dividends to net income (ytd only)* | 39.8936% | 1,548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4392% | 1,255 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 68.6900% | 1,941 |
| Net loans and leases to deposits | 83.7292% | 1,737 |
| Net loans and leases to core deposits | 91.8396% | 1,924 |
| Total domestic deposits to total assets | 82.0300% | 3,170 |
| Equity capital to assets | 9.7531% | 2,170 |
| Core capital (leverage) ratio | 10.0763% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4800% | 2,085 |
| Memoranda: |
| Average total assets | $642,840,000 | 1,437 |
| Average earning assets | $593,430,500 | 1,436 |
| Average equity | $61,533,500 | 1,428 |
| Average total loans | $441,370,500 | 1,421 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0664% | 1,939 |
| Cost of funding earning assets | 1.5652% | 1,781 |
| Net interest margin | 3.5012% | 2,174 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.7459% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3587% | 1,302 |
| Return on assets (ROA) | 1.2443% | 1,524 |
| Pretax return on assets | 1.2970% | 1,874 |
| Return on Equity (ROE) | 13.6000% | 1,581 |
| Retained earnings to average equity (ytd only) | 2.9391% | 3,298 |
| Net charge-offs to loans | -0.0729% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.9738% | 2,360 |
| Assets per employee ($millions) | 6.1996% | 2,639 |
| Cash dividends to net income (ytd only)* | 78.3811% | 622 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6173% | 807 |
| Loan loss allowance to noncurrent loans | 642.2904% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,403 |
| Noncurrent loans to loans | 0.2518% | 2,294 |
| Net loans and leases to total assets | 66.5600% | 2,193 |
| Net loans and leases to deposits | 82.1189% | 1,937 |
| Net loans and leases to core deposits | 91.5683% | 1,941 |
| Total domestic deposits to total assets | 81.0600% | 3,297 |
| Equity capital to assets | 9.3957% | 2,428 |
| Core capital (leverage) ratio | 9.9059% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4803% | 2,075 |
| Memoranda: |
| Average total assets | $633,450,800 | 1,410 |
| Average earning assets | $583,488,800 | 1,411 |
| Average equity | $57,976,800 | 1,426 |
| Average total loans | $424,142,200 | 1,414 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9495% | 1,949 |
| Cost of funding earning assets | 1.3756% | 1,934 |
| Net interest margin | 3.5739% | 2,066 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 2.7640% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4270% | 1,262 |
| Return on assets (ROA) | 1.2734% | 1,592 |
| Pretax return on assets | 1.3274% | 1,952 |
| Return on Equity (ROE) | 14.0100% | 1,651 |
| Retained earnings to average equity (ytd only) | 2.6232% | 3,603 |
| Net charge-offs to loans | -0.0943% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.0132% | 2,387 |
| Assets per employee ($millions) | 6.1105% | 2,649 |
| Cash dividends to net income (ytd only)* | 81.2750% | 446 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6327% | 823 |
| Loan loss allowance to noncurrent loans | 94.0484% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 379 |
| Noncurrent loans to loans | 1.7360% | 384 |
| Net loans and leases to total assets | 67.4200% | 2,117 |
| Net loans and leases to deposits | 80.1883% | 2,028 |
| Net loans and leases to core deposits | 90.3863% | 1,907 |
| Total domestic deposits to total assets | 84.0700% | 2,754 |
| Equity capital to assets | 8.7609% | 2,562 |
| Core capital (leverage) ratio | 9.9534% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4125% | 1,748 |
| Memoranda: |
| Average total assets | $629,073,500 | 1,414 |
| Average earning assets | $579,703,250 | 1,415 |
| Average equity | $57,180,500 | 1,431 |
| Average total loans | $420,073,500 | 1,415 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7977% | 1,998 |
| Cost of funding earning assets | 1.1251% | 2,206 |
| Net interest margin | 3.6725% | 1,873 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 2.8038% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3356% | 1,483 |
| Return on assets (ROA) | 1.1044% | 2,104 |
| Pretax return on assets | 1.1520% | 2,501 |
| Return on Equity (ROE) | 12.0000% | 2,156 |
| Retained earnings to average equity (ytd only) | 1.5672% | 3,815 |
| Net charge-offs to loans | -0.1379% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8111% | 2,133 |
| Assets per employee ($millions) | 5.7118% | 2,956 |
| Cash dividends to net income (ytd only)* | 86.9440% | 456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7028% | 744 |
| Loan loss allowance to noncurrent loans | 103.9379% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0872% | 405 |
| Noncurrent loans to loans | 1.6383% | 391 |
| Net loans and leases to total assets | 65.2300% | 2,244 |
| Net loans and leases to deposits | 79.9178% | 1,990 |
| Net loans and leases to core deposits | 89.3819% | 1,839 |
| Total domestic deposits to total assets | 81.6300% | 3,308 |
| Equity capital to assets | 9.1830% | 2,387 |
| Core capital (leverage) ratio | 9.9415% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1227% | 1,842 |
| Memoranda: |
| Average total assets | $626,933,333 | 1,419 |
| Average earning assets | $577,528,333 | 1,425 |
| Average equity | $57,682,333 | 1,427 |
| Average total loans | $414,920,000 | 1,415 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6102% | 2,064 |
| Cost of funding earning assets | 0.9652% | 2,167 |
| Net interest margin | 3.6449% | 2,023 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.7305% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3279% | 1,596 |
| Return on assets (ROA) | 1.2659% | 1,730 |
| Pretax return on assets | 1.3215% | 2,113 |
| Return on Equity (ROE) | 13.7500% | 1,825 |
| Retained earnings to average equity (ytd only) | 5.2501% | 2,963 |
| Net charge-offs to loans | 0.0029% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 723.3333% | 162 |
| Efficiency ratio | 66.3305% | 2,173 |
| Assets per employee ($millions) | 5.6032% | 3,115 |
| Cash dividends to net income (ytd only)* | 61.8063% | 928 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6545% | 897 |
| Loan loss allowance to noncurrent loans | 94.8739% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 320 |
| Noncurrent loans to loans | 1.7439% | 355 |
| Net loans and leases to total assets | 65.0900% | 2,143 |
| Net loans and leases to deposits | 75.3954% | 2,169 |
| Net loans and leases to core deposits | 87.0044% | 1,805 |
| Total domestic deposits to total assets | 86.3400% | 2,494 |
| Equity capital to assets | 9.4308% | 2,200 |
| Core capital (leverage) ratio | 10.0570% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4007% | 1,519 |
| Memoranda: |
| Average total assets | $626,253,500 | 1,441 |
| Average earning assets | $577,676,000 | 1,451 |
| Average equity | $57,675,500 | 1,442 |
| Average total loans | $413,901,500 | 1,437 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8759% | 2,044 |
| Cost of funding earning assets | 0.4508% | 1,720 |
| Net interest margin | 3.4251% | 2,168 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 2.7694% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3011% | 1,423 |
| Return on assets (ROA) | 1.2482% | 1,558 |
| Pretax return on assets | 1.3050% | 2,071 |
| Return on Equity (ROE) | 12.8900% | 1,845 |
| Retained earnings to average equity (ytd only) | -5.6850% | 4,589 |
| Net charge-offs to loans | -0.0269% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0648% | 2,083 |
| Assets per employee ($millions) | 5.8385% | 2,913 |
| Cash dividends to net income (ytd only)* | 144.1045% | 85 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6374% | 904 |
| Loan loss allowance to noncurrent loans | 97.7058% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1060% | 372 |
| Noncurrent loans to loans | 1.6759% | 375 |
| Net loans and leases to total assets | 64.9100% | 2,153 |
| Net loans and leases to deposits | 78.5135% | 1,894 |
| Net loans and leases to core deposits | 88.1725% | 1,599 |
| Total domestic deposits to total assets | 82.6800% | 3,492 |
| Equity capital to assets | 8.9914% | 2,362 |
| Core capital (leverage) ratio | 10.0470% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0809% | 1,946 |
| Memoranda: |
| Average total assets | $628,501,000 | 1,422 |
| Average earning assets | $580,687,600 | 1,424 |
| Average equity | $60,861,800 | 1,385 |
| Average total loans | $408,258,800 | 1,369 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6361% | 2,238 |
| Cost of funding earning assets | 0.3542% | 1,669 |
| Net interest margin | 3.2819% | 2,349 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.6701% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2739% | 1,447 |
| Return on assets (ROA) | 1.2034% | 1,659 |
| Pretax return on assets | 1.2571% | 2,184 |
| Return on Equity (ROE) | 12.2100% | 1,966 |
| Retained earnings to average equity (ytd only) | -9.8797% | 4,674 |
| Net charge-offs to loans | -0.0236% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.7410% | 2,189 |
| Assets per employee ($millions) | 5.6584% | 3,069 |
| Cash dividends to net income (ytd only)* | 180.9280% | 56 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6266% | 1,022 |
| Loan loss allowance to noncurrent loans | 95.9360% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 384 |
| Noncurrent loans to loans | 1.6955% | 383 |
| Net loans and leases to total assets | 65.8300% | 1,904 |
| Net loans and leases to deposits | 76.0674% | 1,875 |
| Net loans and leases to core deposits | 83.6530% | 1,681 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 8.5305% | 2,522 |
| Core capital (leverage) ratio | 9.9709% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9492% | 2,072 |
| Memoranda: |
| Average total assets | $627,987,000 | 1,433 |
| Average earning assets | $581,153,750 | 1,432 |
| Average equity | $61,903,250 | 1,382 |
| Average total loans | $406,289,250 | 1,362 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3888% | 2,470 |
| Cost of funding earning assets | 0.3345% | 1,402 |
| Net interest margin | 3.0543% | 2,700 |
| Noninterest income to average assets | 0.9025% | 846 |
| Noninterest expense to average assets | 2.6756% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0112% | 2,109 |
| Return on assets (ROA) | 0.9834% | 2,192 |
| Pretax return on assets | 1.0276% | 2,639 |
| Return on Equity (ROE) | 9.5529% | 2,507 |
| Retained earnings to average equity (ytd only) | -16.6813% | 4,710 |
| Net charge-offs to loans | -0.0318% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6923% | 1,752 |
| Assets per employee ($millions) | 5.5570% | 3,166 |
| Cash dividends to net income (ytd only)* | 274.6206% | 39 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6778% | 995 |
| Loan loss allowance to noncurrent loans | 95.7962% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 385 |
| Noncurrent loans to loans | 1.7514% | 384 |
| Net loans and leases to total assets | 63.7268% | 1,940 |
| Net loans and leases to deposits | 73.9231% | 1,878 |
| Net loans and leases to core deposits | 79.1192% | 1,770 |
| Total domestic deposits to total assets | 86.2069% | 3,196 |
| Equity capital to assets | 9.1829% | 2,247 |
| Core capital (leverage) ratio | 9.6768% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7175% | 2,196 |
| Memoranda: |
| Average total assets | $629,840,333 | 1,432 |
| Average earning assets | $583,505,333 | 1,441 |
| Average equity | $64,839,000 | 1,363 |
| Average total loans | $402,877,333 | 1,365 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1710% | 2,772 |
| Cost of funding earning assets | 0.3413% | 1,276 |
| Net interest margin | 2.8297% | 3,047 |
| Noninterest income to average assets | 0.8713% | 884 |
| Noninterest expense to average assets | 2.6049% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8538% | 2,475 |
| Return on assets (ROA) | 0.7987% | 2,654 |
| Pretax return on assets | 0.8315% | 3,009 |
| Return on Equity (ROE) | 7.3673% | 2,921 |
| Retained earnings to average equity (ytd only) | 1.4560% | 3,706 |
| Net charge-offs to loans | -0.0417% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5573% | 1,679 |
| Assets per employee ($millions) | 5.6536% | 3,172 |
| Cash dividends to net income (ytd only)* | 80.2372% | 703 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7089% | 1,042 |
| Loan loss allowance to noncurrent loans | 94.7472% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 425 |
| Noncurrent loans to loans | 1.8036% | 427 |
| Net loans and leases to total assets | 60.2035% | 2,044 |
| Net loans and leases to deposits | 69.4201% | 2,017 |
| Net loans and leases to core deposits | 74.2415% | 1,922 |
| Total domestic deposits to total assets | 86.7234% | 3,028 |
| Equity capital to assets | 10.0932% | 1,833 |
| Core capital (leverage) ratio | 10.4983% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4236% | 1,664 |
| Memoranda: |
| Average total assets | $633,568,000 | 1,426 |
| Average earning assets | $587,202,000 | 1,436 |
| Average equity | $68,682,000 | 1,352 |
| Average total loans | $402,619,000 | 1,362 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9523% | 1,482 |
| Cost of funding earning assets | 0.4395% | 1,265 |
| Net interest margin | 3.5129% | 1,695 |
| Noninterest income to average assets | 0.8005% | 1,445 |
| Noninterest expense to average assets | 2.6506% | 1,749 |
| Loan and lease loss provision to assets | 0.2663% | 328 |
| Net operating income to assets | 1.0723% | 2,401 |
| Return on assets (ROA) | 1.1597% | 2,123 |
| Pretax return on assets | 1.2104% | 2,627 |
| Return on Equity (ROE) | 9.5052% | 2,717 |
| Retained earnings to average equity (ytd only) | 0.0027% | 4,487 |
| Net charge-offs to loans | 0.2970% | 296 |
| Credit loss provision to net charge-offs | 128.0255% | 1,597 |
| Earnings coverage of net charge-offs (x) | 6.6608% | 2,385 |
| Efficiency ratio | 65.6695% | 2,306 |
| Assets per employee ($millions) | 5.4616% | 3,296 |
| Cash dividends to net income (ytd only)* | 99.9714% | 204 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9957% | 3,774 |
| Loan loss allowance to noncurrent loans | 56.7639% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.1564% | 436 |
| Noncurrent loans to loans | 1.7541% | 486 |
| Net loans and leases to total assets | 65.2699% | 1,557 |
| Net loans and leases to deposits | 76.9653% | 1,493 |
| Net loans and leases to core deposits | 83.2022% | 1,376 |
| Total domestic deposits to total assets | 84.8043% | 3,326 |
| Equity capital to assets | 11.6141% | 1,448 |
| Core capital (leverage) ratio | 10.9183% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3391% | 1,728 |
| Memoranda: |
| Average total assets | $603,753,200 | 1,444 |
| Average earning assets | $556,128,600 | 1,462 |
| Average equity | $73,664,800 | 1,292 |
| Average total loans | $422,927,800 | 1,317 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1424% | 1,211 |
| Cost of funding earning assets | 0.4565% | 1,310 |
| Net interest margin | 3.6859% | 1,369 |
| Noninterest income to average assets | 0.6967% | 1,827 |
| Noninterest expense to average assets | 2.6615% | 1,683 |
| Loan and lease loss provision to assets | 0.3579% | 196 |
| Net operating income to assets | 1.0227% | 2,824 |
| Return on assets (ROA) | 1.1402% | 2,464 |
| Pretax return on assets | 1.1890% | 2,968 |
| Return on Equity (ROE) | 9.2300% | 3,029 |
| Retained earnings to average equity (ytd only) | -0.9225% | 4,656 |
| Net charge-offs to loans | 0.3023% | 257 |
| Credit loss provision to net charge-offs | 166.4596% | 1,296 |
| Earnings coverage of net charge-offs (x) | 6.6253% | 2,168 |
| Efficiency ratio | 65.1378% | 2,228 |
| Assets per employee ($millions) | 5.4419% | 3,264 |
| Cash dividends to net income (ytd only)* | 109.9941% | 130 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0661% | 3,597 |
| Loan loss allowance to noncurrent loans | 56.2380% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2770% | 449 |
| Noncurrent loans to loans | 1.8957% | 480 |
| Net loans and leases to total assets | 66.6413% | 1,474 |
| Net loans and leases to deposits | 78.8538% | 1,399 |
| Net loans and leases to core deposits | 85.9892% | 1,298 |
| Total domestic deposits to total assets | 84.5124% | 3,294 |
| Equity capital to assets | 11.9110% | 1,440 |
| Core capital (leverage) ratio | 11.1864% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2616% | 1,878 |
| Memoranda: |
| Average total assets | $599,035,500 | 1,467 |
| Average earning assets | $550,836,750 | 1,489 |
| Average equity | $74,003,000 | 1,305 |
| Average total loans | $426,041,500 | 1,333 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4727% | 760 |
| Cost of funding earning assets | 0.4799% | 1,325 |
| Net interest margin | 3.9928% | 836 |
| Noninterest income to average assets | 0.6357% | 2,064 |
| Noninterest expense to average assets | 2.7140% | 1,558 |
| Loan and lease loss provision to assets | 0.2371% | 427 |
| Net operating income to assets | 1.2924% | 1,891 |
| Return on assets (ROA) | 1.4255% | 1,564 |
| Pretax return on assets | 1.4890% | 2,050 |
| Return on Equity (ROE) | 11.3969% | 2,267 |
| Retained earnings to average equity (ytd only) | 1.5303% | 4,236 |
| Net charge-offs to loans | 0.0348% | 1,301 |
| Credit loss provision to net charge-offs | 941.3333% | 492 |
| Earnings coverage of net charge-offs (x) | 63.0267% | 950 |
| Efficiency ratio | 63.0963% | 2,555 |
| Assets per employee ($millions) | 5.3037% | 3,346 |
| Cash dividends to net income (ytd only)* | 86.5724% | 399 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0686% | 3,549 |
| Loan loss allowance to noncurrent loans | 544.3890% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,341 |
| Noncurrent loans to loans | 0.1963% | 3,246 |
| Net loans and leases to total assets | 68.0463% | 1,439 |
| Net loans and leases to deposits | 81.4098% | 1,286 |
| Net loans and leases to core deposits | 88.6733% | 1,227 |
| Total domestic deposits to total assets | 83.5850% | 3,549 |
| Equity capital to assets | 12.4675% | 1,146 |
| Core capital (leverage) ratio | 11.1325% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1930% | 1,563 |
| Memoranda: |
| Average total assets | $595,571,000 | 1,470 |
| Average earning assets | $546,787,000 | 1,493 |
| Average equity | $74,494,000 | 1,290 |
| Average total loans | $431,226,667 | 1,327 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9047% | 410 |
| Cost of funding earning assets | 0.5045% | 1,363 |
| Net interest margin | 4.4002% | 427 |
| Noninterest income to average assets | 0.9015% | 1,323 |
| Noninterest expense to average assets | 2.6280% | 1,807 |
| Loan and lease loss provision to assets | 0.4735% | 148 |
| Net operating income to assets | 1.7464% | 866 |
| Return on assets (ROA) | 1.9975% | 617 |
| Pretax return on assets | 2.0947% | 813 |
| Return on Equity (ROE) | 15.9439% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.4484% | 2,108 |
| Net charge-offs to loans | 0.0759% | 820 |
| Credit loss provision to net charge-offs | 840.4762% | 460 |
| Earnings coverage of net charge-offs (x) | 40.8929% | 975 |
| Efficiency ratio | 53.2844% | 3,882 |
| Assets per employee ($millions) | 5.4963% | 3,119 |
| Cash dividends to net income (ytd only)* | 47.0114% | 1,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0018% | 3,830 |
| Loan loss allowance to noncurrent loans | 336.1883% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 3,101 |
| Noncurrent loans to loans | 0.2980% | 3,030 |
| Net loans and leases to total assets | 69.9444% | 1,297 |
| Net loans and leases to deposits | 83.7589% | 1,174 |
| Net loans and leases to core deposits | 92.4420% | 1,088 |
| Total domestic deposits to total assets | 83.5069% | 3,568 |
| Equity capital to assets | 12.2211% | 1,192 |
| Core capital (leverage) ratio | 11.6213% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7375% | 1,989 |
| Memoranda: |
| Average total assets | $596,351,500 | 1,456 |
| Average earning assets | $546,248,000 | 1,482 |
| Average equity | $74,712,000 | 1,281 |
| Average total loans | $442,556,000 | 1,302 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8113% | 719 |
| Cost of funding earning assets | 0.7560% | 1,420 |
| Net interest margin | 4.0552% | 864 |
| Noninterest income to average assets | 0.9551% | 1,132 |
| Noninterest expense to average assets | 2.8281% | 1,873 |
| Loan and lease loss provision to assets | 0.2115% | 1,860 |
| Net operating income to assets | 1.5524% | 709 |
| Return on assets (ROA) | 1.5602% | 760 |
| Pretax return on assets | 1.6287% | 1,004 |
| Return on Equity (ROE) | 11.9890% | 1,322 |
| Retained earnings to average equity (ytd only) | -0.4746% | 4,588 |
| Net charge-offs to loans | 0.2261% | 768 |
| Credit loss provision to net charge-offs | 117.8501% | 2,654 |
| Earnings coverage of net charge-offs (x) | 10.2091% | 2,477 |
| Efficiency ratio | 60.6866% | 3,360 |
| Assets per employee ($millions) | 5.0624% | 3,327 |
| Cash dividends to net income (ytd only)* | 103.9587% | 228 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8297% | 4,357 |
| Loan loss allowance to noncurrent loans | 111.3596% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 1,814 |
| Noncurrent loans to loans | 0.7450% | 1,838 |
| Net loans and leases to total assets | 77.3591% | 660 |
| Net loans and leases to deposits | 94.3979% | 639 |
| Net loans and leases to core deposits | 107.5677% | 583 |
| Total domestic deposits to total assets | 81.9500% | 3,675 |
| Equity capital to assets | 12.8557% | 1,154 |
| Core capital (leverage) ratio | 11.4969% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6298% | 2,000 |
| Memoranda: |
| Average total assets | $565,052,800 | 1,408 |
| Average earning assets | $516,245,400 | 1,418 |
| Average equity | $73,534,000 | 1,242 |
| Average total loans | $448,376,200 | 1,230 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9294% | 693 |
| Cost of funding earning assets | 0.8077% | 1,462 |
| Net interest margin | 4.1218% | 859 |
| Noninterest income to average assets | 1.0066% | 1,016 |
| Noninterest expense to average assets | 2.8980% | 1,708 |
| Loan and lease loss provision to assets | 0.2834% | 1,420 |
| Net operating income to assets | 1.5208% | 861 |
| Return on assets (ROA) | 1.5313% | 925 |
| Pretax return on assets | 1.6034% | 1,176 |
| Return on Equity (ROE) | 11.7303% | 1,446 |
| Retained earnings to average equity (ytd only) | -3.0166% | 4,777 |
| Net charge-offs to loans | -0.0274% | 4,496 |
| Credit loss provision to net charge-offs | -1,298.9130% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7036% | 3,275 |
| Assets per employee ($millions) | 5.0797% | 3,145 |
| Cash dividends to net income (ytd only)* | 125.7165% | 153 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0292% | 3,570 |
| Loan loss allowance to noncurrent loans | 89.9647% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 1,215 |
| Noncurrent loans to loans | 1.1440% | 1,324 |
| Net loans and leases to total assets | 81.1013% | 514 |
| Net loans and leases to deposits | 100.0125% | 532 |
| Net loans and leases to core deposits | 115.9072% | 505 |
| Total domestic deposits to total assets | 81.0912% | 3,639 |
| Equity capital to assets | 12.7043% | 1,329 |
| Core capital (leverage) ratio | 11.7949% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2310% | 2,096 |
| Memoranda: |
| Average total assets | $562,037,500 | 1,390 |
| Average earning assets | $513,717,000 | 1,409 |
| Average equity | $73,369,500 | 1,231 |
| Average total loans | $447,924,000 | 1,225 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1069% | 676 |
| Cost of funding earning assets | 0.8633% | 1,527 |
| Net interest margin | 4.2436% | 839 |
| Noninterest income to average assets | 0.9920% | 1,003 |
| Noninterest expense to average assets | 2.8994% | 1,832 |
| Loan and lease loss provision to assets | 0.4276% | 920 |
| Net operating income to assets | 1.4720% | 976 |
| Return on assets (ROA) | 1.4877% | 1,024 |
| Pretax return on assets | 1.5590% | 1,322 |
| Return on Equity (ROE) | 11.2924% | 1,545 |
| Retained earnings to average equity (ytd only) | -4.8342% | 4,764 |
| Net charge-offs to loans | -0.0431% | 4,646 |
| Credit loss provision to net charge-offs | -1,255.7895% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5422% | 3,477 |
| Assets per employee ($millions) | 5.1941% | 2,936 |
| Cash dividends to net income (ytd only)* | 142.8090% | 224 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0417% | 3,361 |
| Loan loss allowance to noncurrent loans | 80.0595% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 1,095 |
| Noncurrent loans to loans | 1.3011% | 1,193 |
| Net loans and leases to total assets | 80.5079% | 536 |
| Net loans and leases to deposits | 99.9070% | 559 |
| Net loans and leases to core deposits | 119.8988% | 427 |
| Total domestic deposits to total assets | 80.5828% | 3,709 |
| Equity capital to assets | 12.7458% | 1,262 |
| Core capital (leverage) ratio | 11.8348% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7320% | 1,917 |
| Memoranda: |
| Average total assets | $558,049,000 | 1,377 |
| Average earning assets | $509,903,000 | 1,399 |
| Average equity | $73,518,333 | 1,219 |
| Average total loans | $440,443,667 | 1,230 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0005% | 966 |
| Cost of funding earning assets | 0.9143% | 1,793 |
| Net interest margin | 4.0862% | 1,160 |
| Noninterest income to average assets | 0.9162% | 1,039 |
| Noninterest expense to average assets | 3.1027% | 1,632 |
| Loan and lease loss provision to assets | 0.7349% | 351 |
| Net operating income to assets | 0.7761% | 2,992 |
| Return on assets (ROA) | 0.8081% | 2,966 |
| Pretax return on assets | 0.8437% | 3,298 |
| Return on Equity (ROE) | 6.0325% | 3,305 |
| Retained earnings to average equity (ytd only) | -1.3592% | 4,183 |
| Net charge-offs to loans | 0.0084% | 2,259 |
| Credit loss provision to net charge-offs | 11,255.5556% | 70 |
| Earnings coverage of net charge-offs (x) | 236.6667% | 296 |
| Efficiency ratio | 66.7551% | 2,851 |
| Assets per employee ($millions) | 4.9817% | 2,668 |
| Cash dividends to net income (ytd only)* | 122.5314% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0676% | 3,359 |
| Loan loss allowance to noncurrent loans | 137.0415% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 2,201 |
| Noncurrent loans to loans | 0.7790% | 2,054 |
| Net loans and leases to total assets | 76.3873% | 1,232 |
| Net loans and leases to deposits | 96.5419% | 854 |
| Net loans and leases to core deposits | 116.7153% | 564 |
| Total domestic deposits to total assets | 79.1235% | 4,026 |
| Equity capital to assets | 13.3719% | 1,273 |
| Core capital (leverage) ratio | 12.5869% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1759% | 2,208 |
| Memoranda: |
| Average total assets | $551,398,500 | 1,351 |
| Average earning assets | $503,545,000 | 1,373 |
| Average equity | $73,866,000 | 1,217 |
| Average total loans | $428,253,500 | 1,225 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2645% | 883 |
| Cost of funding earning assets | 1.0839% | 1,392 |
| Net interest margin | 4.1807% | 1,356 |
| Noninterest income to average assets | 0.9671% | 1,041 |
| Noninterest expense to average assets | 2.8124% | 2,561 |
| Loan and lease loss provision to assets | 0.7341% | 149 |
| Net operating income to assets | 1.1831% | 2,124 |
| Return on assets (ROA) | 1.1690% | 2,279 |
| Pretax return on assets | 1.2370% | 2,716 |
| Return on Equity (ROE) | 8.9797% | 2,765 |
| Retained earnings to average equity (ytd only) | 2.8793% | 3,598 |
| Net charge-offs to loans | 1.2111% | 130 |
| Credit loss provision to net charge-offs | 78.8373% | 2,808 |
| Earnings coverage of net charge-offs (x) | 2.1330% | 3,453 |
| Efficiency ratio | 58.6098% | 3,896 |
| Assets per employee ($millions) | 4.6596% | 3,008 |
| Cash dividends to net income (ytd only)* | 67.9352% | 1,215 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8274% | 4,225 |
| Loan loss allowance to noncurrent loans | 123.8759% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 2,331 |
| Noncurrent loans to loans | 0.6679% | 2,216 |
| Net loans and leases to total assets | 77.4782% | 1,167 |
| Net loans and leases to deposits | 98.2923% | 734 |
| Net loans and leases to core deposits | 120.1192% | 476 |
| Total domestic deposits to total assets | 78.8242% | 4,214 |
| Equity capital to assets | 13.4205% | 1,319 |
| Core capital (leverage) ratio | 12.2082% | 1,648 |
| Tier 1 risk-based capital ratio | 14.0407% | 3,245 |
| Total risk-based capital ratio | 14.7800% | 3,406 |
| Memoranda: |
| Average total assets | $559,728,400 | 1,290 |
| Average earning assets | $512,981,400 | 1,304 |
| Average equity | $72,864,000 | 1,183 |
| Average total loans | $430,369,000 | 1,198 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2828% | 898 |
| Cost of funding earning assets | 1.0832% | 1,412 |
| Net interest margin | 4.1996% | 1,379 |
| Noninterest income to average assets | 0.9576% | 1,027 |
| Noninterest expense to average assets | 2.9313% | 2,158 |
| Loan and lease loss provision to assets | 0.1297% | 1,491 |
| Net operating income to assets | 1.6672% | 794 |
| Return on assets (ROA) | 1.6482% | 875 |
| Pretax return on assets | 1.7291% | 1,249 |
| Return on Equity (ROE) | 12.7580% | 1,367 |
| Retained earnings to average equity (ytd only) | 6.5258% | 2,101 |
| Net charge-offs to loans | 0.1260% | 1,252 |
| Credit loss provision to net charge-offs | 134.3980% | 1,777 |
| Earnings coverage of net charge-offs (x) | 19.4645% | 2,001 |
| Efficiency ratio | 60.9407% | 3,486 |
| Assets per employee ($millions) | 4.8684% | 2,711 |
| Cash dividends to net income (ytd only)* | 48.8489% | 1,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0946% | 3,057 |
| Loan loss allowance to noncurrent loans | 247.9070% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 3,044 |
| Noncurrent loans to loans | 0.4416% | 2,989 |
| Net loans and leases to total assets | 77.4171% | 1,236 |
| Net loans and leases to deposits | 98.2527% | 793 |
| Net loans and leases to core deposits | 122.0467% | 468 |
| Total domestic deposits to total assets | 78.7938% | 4,219 |
| Equity capital to assets | 13.4207% | 1,391 |
| Core capital (leverage) ratio | 12.6266% | 1,517 |
| Tier 1 risk-based capital ratio | 14.1662% | 3,244 |
| Total risk-based capital ratio | 15.1532% | 3,287 |
| Memoranda: |
| Average total assets | $562,202,750 | 1,292 |
| Average earning assets | $515,720,000 | 1,305 |
| Average equity | $72,632,500 | 1,179 |
| Average total loans | $430,573,000 | 1,206 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2288% | 930 |
| Cost of funding earning assets | 1.0514% | 1,492 |
| Net interest margin | 4.1774% | 1,413 |
| Noninterest income to average assets | 0.9254% | 1,022 |
| Noninterest expense to average assets | 2.8999% | 2,282 |
| Loan and lease loss provision to assets | 0.1943% | 900 |
| Net operating income to assets | 1.5883% | 935 |
| Return on assets (ROA) | 1.5599% | 1,034 |
| Pretax return on assets | 1.6377% | 1,432 |
| Return on Equity (ROE) | 12.2316% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.8943% | 2,332 |
| Net charge-offs to loans | 0.1780% | 919 |
| Credit loss provision to net charge-offs | 143.5696% | 1,544 |
| Earnings coverage of net charge-offs (x) | 13.7559% | 2,078 |
| Efficiency ratio | 60.8997% | 3,593 |
| Assets per employee ($millions) | 4.6344% | 2,954 |
| Cash dividends to net income (ytd only)* | 51.8105% | 1,695 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1300% | 2,898 |
| Loan loss allowance to noncurrent loans | 260.9848% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 3,118 |
| Noncurrent loans to loans | 0.4330% | 2,981 |
| Net loans and leases to total assets | 76.5205% | 1,466 |
| Net loans and leases to deposits | 97.8247% | 861 |
| Net loans and leases to core deposits | 120.5577% | 529 |
| Total domestic deposits to total assets | 78.2220% | 4,351 |
| Equity capital to assets | 13.3389% | 1,416 |
| Core capital (leverage) ratio | 12.2648% | 1,668 |
| Tier 1 risk-based capital ratio | 14.0802% | 3,277 |
| Total risk-based capital ratio | 15.0964% | 3,300 |
| Memoranda: |
| Average total assets | $562,983,330 | 1,291 |
| Average earning assets | $517,017,330 | 1,297 |
| Average equity | $71,797,670 | 1,185 |
| Average total loans | $428,022,330 | 1,214 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1596% | 983 |
| Cost of funding earning assets | 0.9836% | 1,638 |
| Net interest margin | 4.1760% | 1,358 |
| Noninterest income to average assets | 0.9875% | 834 |
| Noninterest expense to average assets | 3.0074% | 1,976 |
| Loan and lease loss provision to assets | 0.3510% | 339 |
| Net operating income to assets | 1.3909% | 1,402 |
| Return on assets (ROA) | 1.3328% | 1,622 |
| Pretax return on assets | 1.3989% | 2,090 |
| Return on Equity (ROE) | 10.6889% | 2,087 |
| Retained earnings to average equity (ytd only) | 4.7663% | 3,016 |
| Net charge-offs to loans | -0.0009% | 3,802 |
| Credit loss provision to net charge-offs | -49,900.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4142% | 3,468 |
| Assets per employee ($millions) | 4.9196% | 2,622 |
| Cash dividends to net income (ytd only)* | 55.4090% | 1,481 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1982% | 2,590 |
| Loan loss allowance to noncurrent loans | 322.5141% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,423 |
| Noncurrent loans to loans | 0.3715% | 3,256 |
| Net loans and leases to total assets | 73.8766% | 1,833 |
| Net loans and leases to deposits | 92.7647% | 1,308 |
| Net loans and leases to core deposits | 117.2804% | 605 |
| Total domestic deposits to total assets | 79.6387% | 4,231 |
| Equity capital to assets | 12.4467% | 1,771 |
| Core capital (leverage) ratio | 11.9348% | 1,813 |
| Tier 1 risk-based capital ratio | 13.5180% | 3,593 |
| Total risk-based capital ratio | 14.5815% | 3,611 |
| Memoranda: |
| Average total assets | $568,728,500 | 1,283 |
| Average earning assets | $521,743,500 | 1,295 |
| Average equity | $70,915,000 | 1,195 |
| Average total loans | $428,619,500 | 1,215 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0671% | 911 |
| Cost of funding earning assets | 0.8254% | 1,417 |
| Net interest margin | 4.2416% | 1,298 |
| Noninterest income to average assets | 1.1064% | 751 |
| Noninterest expense to average assets | 3.0532% | 1,915 |
| Loan and lease loss provision to assets | 0.0918% | 2,316 |
| Net operating income to assets | 1.7600% | 603 |
| Return on assets (ROA) | 1.7600% | 600 |
| Pretax return on assets | 1.8477% | 814 |
| Return on Equity (ROE) | 14.8972% | 857 |
| Retained earnings to average equity (ytd only) | 14.8972% | 122 |
| Net charge-offs to loans | 0.0110% | 3,312 |
| Credit loss provision to net charge-offs | 1,097.8261% | 358 |
| Earnings coverage of net charge-offs (x) | 232.0435% | 405 |
| Efficiency ratio | 61.1530% | 3,669 |
| Assets per employee ($millions) | 4.8023% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0910% | 3,162 |
| Loan loss allowance to noncurrent loans | 4,565.6863% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 4,662 |
| Noncurrent loans to loans | 0.0239% | 4,675 |
| Net loans and leases to total assets | 75.1421% | 1,748 |
| Net loans and leases to deposits | 96.0528% | 1,067 |
| Net loans and leases to core deposits | 120.0371% | 546 |
| Total domestic deposits to total assets | 78.2300% | 4,454 |
| Equity capital to assets | 12.4919% | 1,581 |
| Core capital (leverage) ratio | 11.6909% | 1,958 |
| Tier 1 risk-based capital ratio | 13.5615% | 3,515 |
| Total risk-based capital ratio | 14.5376% | 3,551 |
| Memoranda: |
| Average total assets | $550,347,800 | 1,289 |
| Average earning assets | $504,238,000 | 1,304 |
| Average equity | $65,018,800 | 1,238 |
| Average total loans | $419,014,800 | 1,210 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9817% | 970 |
| Cost of funding earning assets | 0.7836% | 1,416 |
| Net interest margin | 4.1981% | 1,361 |
| Noninterest income to average assets | 1.0879% | 796 |
| Noninterest expense to average assets | 3.1166% | 1,718 |
| Loan and lease loss provision to assets | 0.1230% | 1,639 |
| Net operating income to assets | 1.6161% | 937 |
| Return on assets (ROA) | 1.6161% | 939 |
| Pretax return on assets | 1.6963% | 1,285 |
| Return on Equity (ROE) | 13.8840% | 1,152 |
| Retained earnings to average equity (ytd only) | 13.8840% | 265 |
| Net charge-offs to loans | 0.0086% | 3,109 |
| Credit loss provision to net charge-offs | 1,870.3704% | 228 |
| Earnings coverage of net charge-offs (x) | 276.6597% | 335 |
| Efficiency ratio | 63.1421% | 3,311 |
| Assets per employee ($millions) | 4.8409% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0796% | 3,305 |
| Loan loss allowance to noncurrent loans | 1,429.9694% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,516 |
| Noncurrent loans to loans | 0.0755% | 4,541 |
| Net loans and leases to total assets | 76.2974% | 1,619 |
| Net loans and leases to deposits | 97.4419% | 1,005 |
| Net loans and leases to core deposits | 124.0658% | 460 |
| Total domestic deposits to total assets | 78.3004% | 4,436 |
| Equity capital to assets | 11.8877% | 1,980 |
| Core capital (leverage) ratio | 11.3210% | 2,319 |
| Tier 1 risk-based capital ratio | 12.7139% | 4,071 |
| Total risk-based capital ratio | 13.6781% | 4,124 |
| Memoranda: |
| Average total assets | $547,468,250 | 1,295 |
| Average earning assets | $501,798,500 | 1,307 |
| Average equity | $63,726,500 | 1,251 |
| Average total loans | $417,054,750 | 1,213 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8634% | 1,098 |
| Cost of funding earning assets | 0.7344% | 1,446 |
| Net interest margin | 4.1290% | 1,472 |
| Noninterest income to average assets | 1.1073% | 784 |
| Noninterest expense to average assets | 3.1007% | 1,782 |
| Loan and lease loss provision to assets | 0.1046% | 1,861 |
| Net operating income to assets | 1.6088% | 905 |
| Return on assets (ROA) | 1.6088% | 913 |
| Pretax return on assets | 1.6891% | 1,245 |
| Return on Equity (ROE) | 13.9229% | 1,092 |
| Retained earnings to average equity (ytd only) | 13.9229% | 286 |
| Net charge-offs to loans | 0.0102% | 2,776 |
| Credit loss provision to net charge-offs | 1,352.3810% | 309 |
| Earnings coverage of net charge-offs (x) | 231.8095% | 380 |
| Efficiency ratio | 63.3517% | 3,407 |
| Assets per employee ($millions) | 4.5201% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0858% | 3,354 |
| Loan loss allowance to noncurrent loans | 754.8223% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,133 |
| Noncurrent loans to loans | 0.1438% | 4,251 |
| Net loans and leases to total assets | 75.5522% | 1,706 |
| Net loans and leases to deposits | 98.1253% | 961 |
| Net loans and leases to core deposits | 120.0709% | 561 |
| Total domestic deposits to total assets | 76.9956% | 4,738 |
| Equity capital to assets | 12.0358% | 1,833 |
| Core capital (leverage) ratio | 11.2044% | 2,343 |
| Tier 1 risk-based capital ratio | 12.9923% | 3,898 |
| Total risk-based capital ratio | 13.9682% | 3,960 |
| Memoranda: |
| Average total assets | $542,775,670 | 1,308 |
| Average earning assets | $497,844,330 | 1,320 |
| Average equity | $62,717,000 | 1,276 |
| Average total loans | $411,699,330 | 1,227 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7441% | 1,202 |
| Cost of funding earning assets | 0.7011% | 1,434 |
| Net interest margin | 4.0429% | 1,583 |
| Noninterest income to average assets | 0.9721% | 974 |
| Noninterest expense to average assets | 3.1752% | 1,624 |
| Loan and lease loss provision to assets | 0.0470% | 2,827 |
| Net operating income to assets | 1.3888% | 1,372 |
| Return on assets (ROA) | 1.3888% | 1,383 |
| Pretax return on assets | 1.4600% | 1,804 |
| Return on Equity (ROE) | 12.2711% | 1,487 |
| Retained earnings to average equity (ytd only) | 12.2711% | 636 |
| Net charge-offs to loans | -0.0078% | 4,156 |
| Credit loss provision to net charge-offs | -800.0000% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8157% | 2,860 |
| Assets per employee ($millions) | 4.5361% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0482% | 3,672 |
| Loan loss allowance to noncurrent loans | 458.1545% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 3,906 |
| Noncurrent loans to loans | 0.2288% | 3,948 |
| Net loans and leases to total assets | 74.6766% | 1,757 |
| Net loans and leases to deposits | 95.6581% | 1,067 |
| Net loans and leases to core deposits | 114.4200% | 785 |
| Total domestic deposits to total assets | 78.0662% | 4,721 |
| Equity capital to assets | 11.5511% | 2,090 |
| Core capital (leverage) ratio | 10.6754% | 2,761 |
| Tier 1 risk-based capital ratio | 12.9083% | 4,000 |
| Total risk-based capital ratio | 13.8768% | 4,062 |
| Memoranda: |
| Average total assets | $545,219,500 | 1,316 |
| Average earning assets | $500,328,000 | 1,324 |
| Average equity | $61,706,000 | 1,298 |
| Average total loans | $412,125,500 | 1,231 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6617% | 1,281 |
| Cost of funding earning assets | 0.6485% | 1,301 |
| Net interest margin | 4.0132% | 1,709 |
| Noninterest income to average assets | 1.1916% | 733 |
| Noninterest expense to average assets | 3.0847% | 1,901 |
| Loan and lease loss provision to assets | 0.0613% | 3,005 |
| Net operating income to assets | 1.6406% | 597 |
| Return on assets (ROA) | 1.7132% | 529 |
| Pretax return on assets | 1.7947% | 804 |
| Return on Equity (ROE) | 14.3603% | 709 |
| Retained earnings to average equity (ytd only) | -3.1926% | 5,352 |
| Net charge-offs to loans | 0.1117% | 1,947 |
| Credit loss provision to net charge-offs | 73.2584% | 3,043 |
| Earnings coverage of net charge-offs (x) | 21.2517% | 1,918 |
| Efficiency ratio | 63.4144% | 3,692 |
| Assets per employee ($millions) | 4.5507% | 3,110 |
| Cash dividends to net income (ytd only)* | 122.2320% | 210 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0070% | 3,897 |
| Loan loss allowance to noncurrent loans | 652.8771% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 4,209 |
| Noncurrent loans to loans | 0.1542% | 4,313 |
| Net loans and leases to total assets | 74.9454% | 1,759 |
| Net loans and leases to deposits | 95.5760% | 1,126 |
| Net loans and leases to core deposits | 115.2996% | 744 |
| Total domestic deposits to total assets | 78.4145% | 4,650 |
| Equity capital to assets | 11.0888% | 2,549 |
| Core capital (leverage) ratio | 10.1383% | 3,260 |
| Tier 1 risk-based capital ratio | 11.7037% | 4,717 |
| Total risk-based capital ratio | 12.5966% | 4,830 |
| Memoranda: |
| Average total assets | $531,394,400 | 1,327 |
| Average earning assets | $486,325,200 | 1,342 |
| Average equity | $63,396,800 | 1,251 |
| Average total loans | $398,377,400 | 1,235 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6162% | 1,327 |
| Cost of funding earning assets | 0.6260% | 1,375 |
| Net interest margin | 3.9902% | 1,729 |
| Noninterest income to average assets | 1.1434% | 777 |
| Noninterest expense to average assets | 3.1283% | 1,727 |
| Loan and lease loss provision to assets | 0.0572% | 2,944 |
| Net operating income to assets | 1.5350% | 830 |
| Return on assets (ROA) | 1.6326% | 682 |
| Pretax return on assets | 1.7116% | 1,093 |
| Return on Equity (ROE) | 13.4369% | 950 |
| Retained earnings to average equity (ytd only) | -1.7234% | 5,410 |
| Net charge-offs to loans | 0.1273% | 1,512 |
| Credit loss provision to net charge-offs | 60.1064% | 2,807 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 2,099 |
| Efficiency ratio | 65.2495% | 3,335 |
| Assets per employee ($millions) | 4.4314% | 3,275 |
| Cash dividends to net income (ytd only)* | 112.8257% | 203 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0203% | 3,953 |
| Loan loss allowance to noncurrent loans | 195.6338% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 3,438 |
| Noncurrent loans to loans | 0.5215% | 3,136 |
| Net loans and leases to total assets | 75.3906% | 1,694 |
| Net loans and leases to deposits | 95.5872% | 1,142 |
| Net loans and leases to core deposits | 117.7615% | 666 |
| Total domestic deposits to total assets | 78.8711% | 4,554 |
| Equity capital to assets | 11.7424% | 2,158 |
| Core capital (leverage) ratio | 10.7220% | 2,735 |
| Tier 1 risk-based capital ratio | 12.6805% | 4,221 |
| Total risk-based capital ratio | 13.6204% | 4,303 |
| Memoranda: |
| Average total assets | $526,583,500 | 1,343 |
| Average earning assets | $481,798,500 | 1,362 |
| Average equity | $63,981,250 | 1,244 |
| Average total loans | $393,752,750 | 1,256 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5446% | 1,404 |
| Cost of funding earning assets | 0.5965% | 1,473 |
| Net interest margin | 3.9481% | 1,783 |
| Noninterest income to average assets | 1.1258% | 785 |
| Noninterest expense to average assets | 3.1243% | 1,783 |
| Loan and lease loss provision to assets | 0.0520% | 2,946 |
| Net operating income to assets | 1.4898% | 888 |
| Return on assets (ROA) | 1.4727% | 931 |
| Pretax return on assets | 1.5434% | 1,515 |
| Return on Equity (ROE) | 11.9836% | 1,305 |
| Retained earnings to average equity (ytd only) | 3.0037% | 3,927 |
| Net charge-offs to loans | 0.1903% | 1,051 |
| Credit loss provision to net charge-offs | 36.7568% | 2,668 |
| Earnings coverage of net charge-offs (x) | 11.4108% | 2,279 |
| Efficiency ratio | 65.9461% | 3,363 |
| Assets per employee ($millions) | 4.2691% | 3,493 |
| Cash dividends to net income (ytd only)* | 74.9351% | 978 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0305% | 3,955 |
| Loan loss allowance to noncurrent loans | 187.2077% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 3,374 |
| Noncurrent loans to loans | 0.5505% | 3,090 |
| Net loans and leases to total assets | 74.6774% | 1,754 |
| Net loans and leases to deposits | 94.8308% | 1,193 |
| Net loans and leases to core deposits | 115.6056% | 733 |
| Total domestic deposits to total assets | 78.7481% | 4,681 |
| Equity capital to assets | 12.4521% | 1,646 |
| Core capital (leverage) ratio | 11.2465% | 2,184 |
| Tier 1 risk-based capital ratio | 11.3258% | 5,074 |
| Total risk-based capital ratio | 12.1229% | 5,234 |
| Memoranda: |
| Average total assets | $523,380,000 | 1,355 |
| Average earning assets | $478,807,000 | 1,376 |
| Average equity | $64,321,000 | 1,240 |
| Average total loans | $388,868,000 | 1,273 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4420% | 1,520 |
| Cost of funding earning assets | 0.5817% | 1,505 |
| Net interest margin | 3.8604% | 1,918 |
| Noninterest income to average assets | 1.1544% | 756 |
| Noninterest expense to average assets | 3.3185% | 1,350 |
| Loan and lease loss provision to assets | 0.0352% | 3,085 |
| Net operating income to assets | 1.2677% | 1,328 |
| Return on assets (ROA) | 1.2310% | 1,467 |
| Pretax return on assets | 1.2884% | 2,275 |
| Return on Equity (ROE) | 10.0833% | 1,932 |
| Retained earnings to average equity (ytd only) | 1.8561% | 4,381 |
| Net charge-offs to loans | 0.0093% | 2,646 |
| Credit loss provision to net charge-offs | 511.1111% | 555 |
| Earnings coverage of net charge-offs (x) | 197.6667% | 286 |
| Efficiency ratio | 70.9028% | 2,757 |
| Assets per employee ($millions) | 4.1958% | 3,669 |
| Cash dividends to net income (ytd only)* | 81.5920% | 952 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1300% | 3,520 |
| Loan loss allowance to noncurrent loans | 176.9919% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 3,264 |
| Noncurrent loans to loans | 0.6385% | 2,913 |
| Net loans and leases to total assets | 72.6319% | 1,980 |
| Net loans and leases to deposits | 90.6575% | 1,464 |
| Net loans and leases to core deposits | 109.1525% | 921 |
| Total domestic deposits to total assets | 80.1169% | 4,595 |
| Equity capital to assets | 12.2199% | 1,700 |
| Core capital (leverage) ratio | 11.2961% | 2,108 |
| Tier 1 risk-based capital ratio | 11.6627% | 4,939 |
| Total risk-based capital ratio | 12.5492% | 5,048 |
| Memoranda: |
| Average total assets | $522,519,500 | 1,364 |
| Average earning assets | $477,261,500 | 1,386 |
| Average equity | $63,788,500 | 1,246 |
| Average total loans | $385,194,500 | 1,292 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4730% | 1,622 |
| Cost of funding earning assets | 0.5935% | 1,387 |
| Net interest margin | 3.8795% | 2,034 |
| Noninterest income to average assets | 1.2271% | 757 |
| Noninterest expense to average assets | 3.1387% | 1,931 |
| Loan and lease loss provision to assets | 0.1146% | 2,150 |
| Net operating income to assets | 1.4405% | 934 |
| Return on assets (ROA) | 1.4730% | 904 |
| Pretax return on assets | 1.5411% | 1,459 |
| Return on Equity (ROE) | 12.0432% | 1,231 |
| Retained earnings to average equity (ytd only) | 5.1059% | 2,280 |
| Net charge-offs to loans | 0.0098% | 3,932 |
| Credit loss provision to net charge-offs | 1,641.6667% | 264 |
| Earnings coverage of net charge-offs (x) | 232.2778% | 304 |
| Efficiency ratio | 65.9320% | 3,598 |
| Assets per employee ($millions) | 4.1645% | 3,677 |
| Cash dividends to net income (ytd only)* | 57.6037% | 1,898 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1210% | 3,601 |
| Loan loss allowance to noncurrent loans | 205.9637% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,572 |
| Noncurrent loans to loans | 0.5443% | 3,216 |
| Net loans and leases to total assets | 73.1479% | 1,985 |
| Net loans and leases to deposits | 94.6863% | 1,121 |
| Net loans and leases to core deposits | 114.0802% | 693 |
| Total domestic deposits to total assets | 77.2529% | 5,080 |
| Equity capital to assets | 12.1957% | 1,687 |
| Core capital (leverage) ratio | 11.0329% | 2,310 |
| Tier 1 risk-based capital ratio | 11.4956% | 5,058 |
| Total risk-based capital ratio | 12.3671% | 5,159 |
| Memoranda: |
| Average total assets | $515,601,600 | 1,330 |
| Average earning assets | $469,598,000 | 1,349 |
| Average equity | $63,064,800 | 1,242 |
| Average total loans | $365,782,200 | 1,289 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4174% | 1,805 |
| Cost of funding earning assets | 0.5883% | 1,427 |
| Net interest margin | 3.8291% | 2,231 |
| Noninterest income to average assets | 1.1802% | 826 |
| Noninterest expense to average assets | 3.1565% | 1,884 |
| Loan and lease loss provision to assets | 0.1325% | 1,769 |
| Net operating income to assets | 1.3171% | 1,242 |
| Return on assets (ROA) | 1.3606% | 1,223 |
| Pretax return on assets | 1.4226% | 1,957 |
| Return on Equity (ROE) | 11.1159% | 1,632 |
| Retained earnings to average equity (ytd only) | 4.4451% | 3,168 |
| Net charge-offs to loans | 0.0070% | 3,670 |
| Credit loss provision to net charge-offs | 2,689.4737% | 186 |
| Earnings coverage of net charge-offs (x) | 306.5590% | 267 |
| Efficiency ratio | 67.6462% | 3,291 |
| Assets per employee ($millions) | 4.2313% | 3,539 |
| Cash dividends to net income (ytd only)* | 60.0115% | 1,417 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0958% | 3,855 |
| Loan loss allowance to noncurrent loans | 269.9239% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 4,112 |
| Noncurrent loans to loans | 0.4060% | 3,820 |
| Net loans and leases to total assets | 73.1804% | 2,000 |
| Net loans and leases to deposits | 94.4431% | 1,217 |
| Net loans and leases to core deposits | 114.6867% | 697 |
| Total domestic deposits to total assets | 77.4862% | 5,001 |
| Equity capital to assets | 12.2326% | 1,958 |
| Core capital (leverage) ratio | 10.8588% | 2,615 |
| Tier 1 risk-based capital ratio | 11.3299% | 5,185 |
| Total risk-based capital ratio | 12.1941% | 5,315 |
| Memoranda: |
| Average total assets | $514,362,250 | 1,337 |
| Average earning assets | $468,257,250 | 1,352 |
| Average equity | $62,959,500 | 1,252 |
| Average total loans | $360,954,000 | 1,302 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3342% | 2,038 |
| Cost of funding earning assets | 0.5741% | 1,509 |
| Net interest margin | 3.7600% | 2,475 |
| Noninterest income to average assets | 1.1372% | 865 |
| Noninterest expense to average assets | 3.1018% | 2,058 |
| Loan and lease loss provision to assets | 0.0568% | 3,004 |
| Net operating income to assets | 1.3362% | 1,196 |
| Return on assets (ROA) | 1.3466% | 1,245 |
| Pretax return on assets | 1.4120% | 1,977 |
| Return on Equity (ROE) | 10.9988% | 1,645 |
| Retained earnings to average equity (ytd only) | 4.2844% | 3,192 |
| Net charge-offs to loans | -0.0222% | 4,989 |
| Credit loss provision to net charge-offs | -371.7949% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0288% | 3,339 |
| Assets per employee ($millions) | 4.2203% | 3,522 |
| Cash dividends to net income (ytd only)* | 61.0465% | 1,481 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0574% | 4,183 |
| Loan loss allowance to noncurrent loans | 131.5772% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 3,234 |
| Noncurrent loans to loans | 0.8036% | 2,742 |
| Net loans and leases to total assets | 70.5571% | 2,392 |
| Net loans and leases to deposits | 97.1216% | 955 |
| Net loans and leases to core deposits | 114.2080% | 717 |
| Total domestic deposits to total assets | 72.6482% | 5,627 |
| Equity capital to assets | 12.1058% | 2,050 |
| Core capital (leverage) ratio | 10.7641% | 2,683 |
| Tier 1 risk-based capital ratio | 10.7657% | 5,541 |
| Total risk-based capital ratio | 11.5387% | 5,682 |
| Memoranda: |
| Average total assets | $510,923,330 | 1,353 |
| Average earning assets | $465,050,330 | 1,371 |
| Average equity | $62,552,000 | 1,263 |
| Average total loans | $351,866,670 | 1,329 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2747% | 2,225 |
| Cost of funding earning assets | 0.5709% | 1,536 |
| Net interest margin | 3.7038% | 2,657 |
| Noninterest income to average assets | 1.1888% | 778 |
| Noninterest expense to average assets | 3.3642% | 1,457 |
| Loan and lease loss provision to assets | 0.0277% | 3,297 |
| Net operating income to assets | 1.1048% | 1,882 |
| Return on assets (ROA) | 1.1048% | 1,986 |
| Pretax return on assets | 1.1594% | 2,856 |
| Return on Equity (ROE) | 8.9716% | 2,439 |
| Retained earnings to average equity (ytd only) | 2.2139% | 4,374 |
| Net charge-offs to loans | -0.0692% | 5,486 |
| Credit loss provision to net charge-offs | -59.3220% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9161% | 2,492 |
| Assets per employee ($millions) | 4.0793% | 3,814 |
| Cash dividends to net income (ytd only)* | 75.3228% | 1,075 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1086% | 4,001 |
| Loan loss allowance to noncurrent loans | 191.1750% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,886 |
| Noncurrent loans to loans | 0.5799% | 3,449 |
| Net loans and leases to total assets | 68.0018% | 2,648 |
| Net loans and leases to deposits | 92.8252% | 1,247 |
| Net loans and leases to core deposits | 101.2969% | 1,383 |
| Total domestic deposits to total assets | 73.2579% | 5,671 |
| Equity capital to assets | 12.3620% | 1,774 |
| Core capital (leverage) ratio | 10.9079% | 2,493 |
| Tier 1 risk-based capital ratio | 11.0946% | 5,456 |
| Total risk-based capital ratio | 11.8883% | 5,601 |
| Memoranda: |
| Average total assets | $504,726,000 | 1,373 |
| Average earning assets | $458,233,500 | 1,396 |
| Average equity | $62,152,000 | 1,261 |
| Average total loans | $341,208,000 | 1,361 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1177% | 2,853 |
| Cost of funding earning assets | 0.6351% | 1,152 |
| Net interest margin | 3.4827% | 3,586 |
| Noninterest income to average assets | 1.3169% | 697 |
| Noninterest expense to average assets | 3.0536% | 2,368 |
| Loan and lease loss provision to assets | 0.0894% | 2,509 |
| Net operating income to assets | 1.2799% | 1,321 |
| Return on assets (ROA) | 1.2810% | 1,358 |
| Pretax return on assets | 1.3429% | 2,118 |
| Return on Equity (ROE) | 10.8845% | 1,653 |
| Retained earnings to average equity (ytd only) | 4.3221% | 2,901 |
| Net charge-offs to loans | 0.1437% | 1,915 |
| Credit loss provision to net charge-offs | 96.3415% | 2,632 |
| Earnings coverage of net charge-offs (x) | 15.4238% | 2,204 |
| Efficiency ratio | 68.0881% | 3,558 |
| Assets per employee ($millions) | 4.6875% | 2,747 |
| Cash dividends to net income (ytd only)* | 60.2915% | 1,720 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0284% | 4,445 |
| Loan loss allowance to noncurrent loans | 123.8489% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 3,476 |
| Noncurrent loans to loans | 0.8303% | 2,715 |
| Net loans and leases to total assets | 64.6744% | 3,170 |
| Net loans and leases to deposits | 85.5842% | 2,178 |
| Net loans and leases to core deposits | 97.9663% | 1,677 |
| Total domestic deposits to total assets | 75.5682% | 5,492 |
| Equity capital to assets | 11.9840% | 1,960 |
| Core capital (leverage) ratio | 10.5552% | 2,876 |
| Tier 1 risk-based capital ratio | 11.6006% | 5,191 |
| Total risk-based capital ratio | 12.3426% | 5,376 |
| Memoranda: |
| Average total assets | $353,480,600 | 1,850 |
| Average earning assets | $321,536,200 | 1,887 |
| Average equity | $41,600,400 | 1,741 |
| Average total loans | $228,236,000 | 1,875 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0977% | 2,948 |
| Cost of funding earning assets | 0.6375% | 1,161 |
| Net interest margin | 3.4601% | 3,719 |
| Noninterest income to average assets | 1.2426% | 782 |
| Noninterest expense to average assets | 3.0556% | 2,349 |
| Loan and lease loss provision to assets | 0.1194% | 1,909 |
| Net operating income to assets | 1.1581% | 1,808 |
| Return on assets (ROA) | 1.1595% | 1,865 |
| Pretax return on assets | 1.2177% | 2,744 |
| Return on Equity (ROE) | 9.8980% | 2,143 |
| Retained earnings to average equity (ytd only) | 3.2907% | 4,127 |
| Net charge-offs to loans | 0.0499% | 2,903 |
| Credit loss provision to net charge-offs | 371.7647% | 804 |
| Earnings coverage of net charge-offs (x) | 41.5766% | 1,203 |
| Efficiency ratio | 69.5843% | 3,273 |
| Assets per employee ($millions) | 4.6306% | 2,794 |
| Cash dividends to net income (ytd only)* | 66.7537% | 1,149 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1247% | 4,088 |
| Loan loss allowance to noncurrent loans | 115.6072% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 3,341 |
| Noncurrent loans to loans | 0.9729% | 2,547 |
| Net loans and leases to total assets | 65.0167% | 3,153 |
| Net loans and leases to deposits | 85.6418% | 2,184 |
| Net loans and leases to core deposits | 98.2767% | 1,670 |
| Total domestic deposits to total assets | 75.9170% | 5,499 |
| Equity capital to assets | 11.7894% | 2,277 |
| Core capital (leverage) ratio | 10.5122% | 3,035 |
| Tier 1 risk-based capital ratio | 11.5950% | 5,327 |
| Total risk-based capital ratio | 12.4298% | 5,452 |
| Memoranda: |
| Average total assets | $352,788,500 | 1,867 |
| Average earning assets | $321,021,000 | 1,898 |
| Average equity | $41,327,250 | 1,765 |
| Average total loans | $227,096,000 | 1,891 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9989% | 3,292 |
| Cost of funding earning assets | 0.6397% | 1,168 |
| Net interest margin | 3.3592% | 4,058 |
| Noninterest income to average assets | 1.4861% | 576 |
| Noninterest expense to average assets | 3.3033% | 1,696 |
| Loan and lease loss provision to assets | 0.1365% | 1,604 |
| Net operating income to assets | 1.0565% | 2,119 |
| Return on assets (ROA) | 1.0565% | 2,229 |
| Pretax return on assets | 1.1054% | 3,148 |
| Return on Equity (ROE) | 9.0385% | 2,518 |
| Retained earnings to average equity (ytd only) | 2.3947% | 4,533 |
| Net charge-offs to loans | 0.1496% | 1,595 |
| Credit loss provision to net charge-offs | 142.8571% | 1,574 |
| Earnings coverage of net charge-offs (x) | 12.9940% | 2,167 |
| Efficiency ratio | 72.6749% | 2,902 |
| Assets per employee ($millions) | 4.8640% | 2,446 |
| Cash dividends to net income (ytd only)* | 73.5057% | 1,093 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0894% | 4,381 |
| Loan loss allowance to noncurrent loans | 88.4684% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 2,986 |
| Noncurrent loans to loans | 1.2314% | 2,192 |
| Net loans and leases to total assets | 64.2417% | 3,235 |
| Net loans and leases to deposits | 87.9182% | 1,847 |
| Net loans and leases to core deposits | 100.6167% | 1,436 |
| Total domestic deposits to total assets | 73.0699% | 5,861 |
| Equity capital to assets | 11.6927% | 2,257 |
| Core capital (leverage) ratio | 9.7269% | 3,971 |
| Tier 1 risk-based capital ratio | 11.4425% | 5,501 |
| Total risk-based capital ratio | 12.3012% | 5,607 |
| Memoranda: |
| Average total assets | $351,531,670 | 1,882 |
| Average earning assets | $320,138,330 | 1,918 |
| Average equity | $41,091,000 | 1,781 |
| Average total loans | $224,641,330 | 1,918 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9956% | 3,244 |
| Cost of funding earning assets | 0.6414% | 1,173 |
| Net interest margin | 3.3542% | 4,007 |
| Noninterest income to average assets | 1.1437% | 870 |
| Noninterest expense to average assets | 2.9314% | 2,803 |
| Loan and lease loss provision to assets | 0.1022% | 1,992 |
| Net operating income to assets | 1.1130% | 1,824 |
| Return on assets (ROA) | 1.1130% | 1,930 |
| Pretax return on assets | 1.1630% | 2,821 |
| Return on Equity (ROE) | 9.5233% | 2,211 |
| Retained earnings to average equity (ytd only) | 2.8959% | 4,229 |
| Net charge-offs to loans | 0.2007% | 1,130 |
| Credit loss provision to net charge-offs | 80.3571% | 1,822 |
| Earnings coverage of net charge-offs (x) | 9.9464% | 1,971 |
| Efficiency ratio | 69.8512% | 3,515 |
| Assets per employee ($millions) | 4.7953% | 2,632 |
| Cash dividends to net income (ytd only)* | 69.5918% | 1,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0784% | 4,622 |
| Loan loss allowance to noncurrent loans | 198.9983% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 4,631 |
| Noncurrent loans to loans | 0.5419% | 3,962 |
| Net loans and leases to total assets | 62.4703% | 3,292 |
| Net loans and leases to deposits | 82.2329% | 2,312 |
| Net loans and leases to core deposits | 90.9012% | 2,044 |
| Total domestic deposits to total assets | 75.9676% | 5,741 |
| Equity capital to assets | 11.8735% | 2,127 |
| Core capital (leverage) ratio | 10.5312% | 2,922 |
| Tier 1 risk-based capital ratio | 13.2051% | 4,493 |
| Total risk-based capital ratio | 14.0834% | 4,620 |
| Memoranda: |
| Average total assets | $352,192,500 | 1,889 |
| Average earning assets | $320,556,500 | 1,921 |
| Average equity | $41,162,000 | 1,786 |
| Average total loans | $223,232,500 | 1,927 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9336% | 4,001 |
| Cost of funding earning assets | 0.6618% | 1,325 |
| Net interest margin | 3.2718% | 4,676 |
| Noninterest income to average assets | 1.3410% | 677 |
| Noninterest expense to average assets | 2.8251% | 3,400 |
| Loan and lease loss provision to assets | 0.1425% | 1,865 |
| Net operating income to assets | 1.2821% | 1,342 |
| Return on assets (ROA) | 1.3096% | 1,332 |
| Pretax return on assets | 1.3702% | 2,002 |
| Return on Equity (ROE) | 11.1874% | 1,660 |
| Retained earnings to average equity (ytd only) | 0.6877% | 5,455 |
| Net charge-offs to loans | -0.0029% | 5,403 |
| Credit loss provision to net charge-offs | -8,233.3333% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5597% | 4,322 |
| Assets per employee ($millions) | 5.0618% | 2,243 |
| Cash dividends to net income (ytd only)* | 93.8533% | 486 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0674% | 4,716 |
| Loan loss allowance to noncurrent loans | 145.8182% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 4,253 |
| Noncurrent loans to loans | 0.7320% | 3,491 |
| Net loans and leases to total assets | 62.9342% | 3,372 |
| Net loans and leases to deposits | 82.5531% | 2,400 |
| Net loans and leases to core deposits | 91.9025% | 2,100 |
| Total domestic deposits to total assets | 76.2348% | 5,699 |
| Equity capital to assets | 11.5034% | 2,425 |
| Core capital (leverage) ratio | 10.1702% | 3,345 |
| Tier 1 risk-based capital ratio | 11.6494% | 5,577 |
| Total risk-based capital ratio | 12.4497% | 5,751 |
| Memoranda: |
| Average total assets | $346,604,200 | 1,879 |
| Average earning assets | $314,446,200 | 1,907 |
| Average equity | $40,572,400 | 1,757 |
| Average total loans | $209,182,800 | 1,978 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9006% | 4,172 |
| Cost of funding earning assets | 0.6548% | 1,427 |
| Net interest margin | 3.2458% | 4,802 |
| Noninterest income to average assets | 1.2967% | 725 |
| Noninterest expense to average assets | 2.7523% | 3,635 |
| Loan and lease loss provision to assets | 0.0700% | 2,949 |
| Net operating income to assets | 1.3548% | 1,242 |
| Return on assets (ROA) | 1.3856% | 1,201 |
| Pretax return on assets | 1.4498% | 1,811 |
| Return on Equity (ROE) | 11.7849% | 1,535 |
| Retained earnings to average equity (ytd only) | 0.7074% | 5,593 |
| Net charge-offs to loans | -0.0039% | 5,264 |
| Credit loss provision to net charge-offs | -3,016.6667% | 6,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9120% | 4,391 |
| Assets per employee ($millions) | 4.7162% | 2,643 |
| Cash dividends to net income (ytd only)* | 93.9978% | 443 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9766% | 5,311 |
| Loan loss allowance to noncurrent loans | 226.0259% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 5,153 |
| Noncurrent loans to loans | 0.4321% | 4,607 |
| Net loans and leases to total assets | 61.6442% | 3,541 |
| Net loans and leases to deposits | 80.4802% | 2,621 |
| Net loans and leases to core deposits | 89.2342% | 2,294 |
| Total domestic deposits to total assets | 76.5955% | 5,745 |
| Equity capital to assets | 11.8550% | 2,191 |
| Core capital (leverage) ratio | 10.3515% | 3,210 |
| Tier 1 risk-based capital ratio | 12.1644% | 5,393 |
| Total risk-based capital ratio | 12.8939% | 5,626 |
| Memoranda: |
| Average total assets | $344,673,000 | 1,896 |
| Average earning assets | $312,556,500 | 1,924 |
| Average equity | $40,525,500 | 1,772 |
| Average total loans | $205,128,500 | 2,019 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9594% | 3,901 |
| Cost of funding earning assets | 0.6578% | 1,450 |
| Net interest margin | 3.3017% | 4,581 |
| Noninterest income to average assets | 0.9785% | 1,260 |
| Noninterest expense to average assets | 2.7500% | 3,700 |
| Loan and lease loss provision to assets | 0.0702% | 2,871 |
| Net operating income to assets | 1.0971% | 1,957 |
| Return on assets (ROA) | 1.1038% | 1,994 |
| Pretax return on assets | 1.1554% | 2,855 |
| Return on Equity (ROE) | 9.4140% | 2,411 |
| Retained earnings to average equity (ytd only) | 2.6615% | 4,511 |
| Net charge-offs to loans | -0.0030% | 5,092 |
| Credit loss provision to net charge-offs | -4,033.3333% | 5,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2926% | 3,779 |
| Assets per employee ($millions) | 4.5001% | 2,922 |
| Cash dividends to net income (ytd only)* | 71.7288% | 1,127 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9905% | 5,394 |
| Loan loss allowance to noncurrent loans | 329.0113% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 5,593 |
| Noncurrent loans to loans | 0.3011% | 5,114 |
| Net loans and leases to total assets | 59.3318% | 3,814 |
| Net loans and leases to deposits | 80.6226% | 2,432 |
| Net loans and leases to core deposits | 89.5277% | 2,171 |
| Total domestic deposits to total assets | 73.5921% | 6,144 |
| Equity capital to assets | 12.0585% | 1,936 |
| Core capital (leverage) ratio | 10.4929% | 2,961 |
| Tier 1 risk-based capital ratio | 12.6942% | 5,089 |
| Total risk-based capital ratio | 13.4269% | 5,352 |
| Memoranda: |
| Average total assets | $344,802,670 | 1,896 |
| Average earning assets | $312,267,000 | 1,927 |
| Average equity | $40,429,000 | 1,763 |
| Average total loans | $202,063,330 | 2,034 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7881% | 4,535 |
| Cost of funding earning assets | 0.6745% | 1,409 |
| Net interest margin | 3.1136% | 5,201 |
| Noninterest income to average assets | 0.9913% | 1,150 |
| Noninterest expense to average assets | 2.5361% | 4,495 |
| Loan and lease loss provision to assets | 0.0705% | 2,724 |
| Net operating income to assets | 1.1571% | 1,606 |
| Return on assets (ROA) | 1.1704% | 1,635 |
| Pretax return on assets | 1.2201% | 2,389 |
| Return on Equity (ROE) | 10.1242% | 1,987 |
| Retained earnings to average equity (ytd only) | 3.3081% | 4,140 |
| Net charge-offs to loans | 0.0040% | 3,593 |
| Credit loss provision to net charge-offs | 3,050.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 552.5000% | 68 |
| Efficiency ratio | 66.5152% | 4,443 |
| Assets per employee ($millions) | 4.5680% | 2,858 |
| Cash dividends to net income (ytd only)* | 67.3248% | 1,214 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9779% | 5,605 |
| Loan loss allowance to noncurrent loans | 436.6667% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 5,807 |
| Noncurrent loans to loans | 0.2239% | 5,426 |
| Net loans and leases to total assets | 57.3151% | 3,950 |
| Net loans and leases to deposits | 72.6651% | 3,252 |
| Net loans and leases to core deposits | 80.4826% | 2,911 |
| Total domestic deposits to total assets | 78.8758% | 5,707 |
| Equity capital to assets | 11.6426% | 2,142 |
| Core capital (leverage) ratio | 10.3757% | 3,084 |
| Tier 1 risk-based capital ratio | 12.7143% | 5,180 |
| Total risk-based capital ratio | 13.4304% | 5,449 |
| Memoranda: |
| Average total assets | $346,200,500 | 1,897 |
| Average earning assets | $313,720,500 | 1,917 |
| Average equity | $40,023,000 | 1,768 |
| Average total loans | $200,620,500 | 2,046 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8857% | 4,515 |
| Cost of funding earning assets | 0.8093% | 1,166 |
| Net interest margin | 3.0764% | 5,388 |
| Noninterest income to average assets | 1.1637% | 1,038 |
| Noninterest expense to average assets | 2.7939% | 3,745 |
| Loan and lease loss provision to assets | 0.0249% | 4,630 |
| Net operating income to assets | 1.0895% | 1,964 |
| Return on assets (ROA) | 1.0989% | 2,005 |
| Pretax return on assets | 1.1478% | 2,779 |
| Return on Equity (ROE) | 9.5692% | 2,294 |
| Retained earnings to average equity (ytd only) | 2.3999% | 4,539 |
| Net charge-offs to loans | -0.0005% | 5,819 |
| Credit loss provision to net charge-offs | -8,600.0000% | 6,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6102% | 3,740 |
| Assets per employee ($millions) | 4.6654% | 2,628 |
| Cash dividends to net income (ytd only)* | 74.9210% | 1,107 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9516% | 5,754 |
| Loan loss allowance to noncurrent loans | 474.1294% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 5,981 |
| Noncurrent loans to loans | 0.2007% | 5,587 |
| Net loans and leases to total assets | 57.4656% | 4,128 |
| Net loans and leases to deposits | 74.3283% | 3,216 |
| Net loans and leases to core deposits | 82.3685% | 2,855 |
| Total domestic deposits to total assets | 77.3132% | 5,930 |
| Equity capital to assets | 11.4782% | 2,183 |
| Core capital (leverage) ratio | 10.1867% | 3,313 |
| Tier 1 risk-based capital ratio | 12.5146% | 5,279 |
| Total risk-based capital ratio | 13.2064% | 5,579 |
| Memoranda: |
| Average total assets | $345,435,400 | 1,869 |
| Average earning assets | $313,614,000 | 1,888 |
| Average equity | $39,668,800 | 1,760 |
| Average total loans | $190,437,200 | 2,095 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8788% | 4,582 |
| Cost of funding earning assets | 0.8318% | 1,148 |
| Net interest margin | 3.0470% | 5,474 |
| Noninterest income to average assets | 1.1566% | 1,096 |
| Noninterest expense to average assets | 2.8709% | 3,403 |
| Loan and lease loss provision to assets | 0.0255% | 4,498 |
| Net operating income to assets | 0.9815% | 2,460 |
| Return on assets (ROA) | 0.9941% | 2,489 |
| Pretax return on assets | 1.0401% | 3,339 |
| Return on Equity (ROE) | 8.6559% | 2,805 |
| Retained earnings to average equity (ytd only) | 1.1290% | 5,528 |
| Net charge-offs to loans | -0.0057% | 5,795 |
| Credit loss provision to net charge-offs | -825.0000% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1753% | 3,195 |
| Assets per employee ($millions) | 4.6362% | 2,660 |
| Cash dividends to net income (ytd only)* | 86.9565% | 630 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9830% | 5,793 |
| Loan loss allowance to noncurrent loans | 392.7386% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 6,027 |
| Noncurrent loans to loans | 0.2503% | 5,599 |
| Net loans and leases to total assets | 55.5772% | 4,380 |
| Net loans and leases to deposits | 72.4273% | 3,465 |
| Net loans and leases to core deposits | 80.2975% | 3,100 |
| Total domestic deposits to total assets | 76.7352% | 6,082 |
| Equity capital to assets | 11.3876% | 2,392 |
| Core capital (leverage) ratio | 10.1053% | 3,513 |
| Tier 1 risk-based capital ratio | 12.5128% | 5,452 |
| Total risk-based capital ratio | 13.2139% | 5,737 |
| Memoranda: |
| Average total assets | $345,485,250 | 1,879 |
| Average earning assets | $313,699,250 | 1,907 |
| Average equity | $39,679,250 | 1,771 |
| Average total loans | $187,972,000 | 2,123 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8776% | 4,556 |
| Cost of funding earning assets | 0.8498% | 1,138 |
| Net interest margin | 3.0278% | 5,501 |
| Noninterest income to average assets | 1.3162% | 899 |
| Noninterest expense to average assets | 3.2106% | 2,329 |
| Loan and lease loss provision to assets | 0.0381% | 4,186 |
| Net operating income to assets | 0.7789% | 3,412 |
| Return on assets (ROA) | 0.7976% | 3,461 |
| Pretax return on assets | 0.8363% | 4,172 |
| Return on Equity (ROE) | 6.9253% | 3,644 |
| Retained earnings to average equity (ytd only) | -1.3239% | 6,098 |
| Net charge-offs to loans | -0.0032% | 5,576 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9743% | 2,302 |
| Assets per employee ($millions) | 4.5325% | 2,768 |
| Cash dividends to net income (ytd only)* | 119.1166% | 347 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0084% | 5,783 |
| Loan loss allowance to noncurrent loans | 394.9791% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 6,070 |
| Noncurrent loans to loans | 0.2553% | 5,669 |
| Net loans and leases to total assets | 54.5223% | 4,517 |
| Net loans and leases to deposits | 72.4605% | 3,387 |
| Net loans and leases to core deposits | 81.5334% | 2,852 |
| Total domestic deposits to total assets | 75.2442% | 6,337 |
| Equity capital to assets | 11.1039% | 2,657 |
| Core capital (leverage) ratio | 9.7550% | 3,861 |
| Tier 1 risk-based capital ratio | 12.5601% | 5,464 |
| Total risk-based capital ratio | 13.2764% | 5,728 |
| Memoranda: |
| Average total assets | $346,288,330 | 1,883 |
| Average earning assets | $314,418,670 | 1,904 |
| Average equity | $39,883,000 | 1,766 |
| Average total loans | $186,441,000 | 2,140 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8364% | 4,694 |
| Cost of funding earning assets | 0.8640% | 1,184 |
| Net interest margin | 2.9724% | 5,646 |
| Noninterest income to average assets | 1.0324% | 1,391 |
| Noninterest expense to average assets | 3.0366% | 2,873 |
| Loan and lease loss provision to assets | 0.0755% | 3,366 |
| Net operating income to assets | 0.5849% | 4,290 |
| Return on assets (ROA) | 0.6215% | 4,269 |
| Pretax return on assets | 0.6604% | 4,753 |
| Return on Equity (ROE) | 5.3038% | 4,401 |
| Retained earnings to average equity (ytd only) | 1.3675% | 5,296 |
| Net charge-offs to loans | 0.0064% | 4,031 |
| Credit loss provision to net charge-offs | 2,200.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 198 |
| Efficiency ratio | 81.3305% | 2,146 |
| Assets per employee ($millions) | 4.6308% | 2,758 |
| Cash dividends to net income (ytd only)* | 74.2173% | 995 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0257% | 5,897 |
| Loan loss allowance to noncurrent loans | 327.8746% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 6,075 |
| Noncurrent loans to loans | 0.3128% | 5,618 |
| Net loans and leases to total assets | 52.2906% | 4,664 |
| Net loans and leases to deposits | 65.3785% | 4,136 |
| Net loans and leases to core deposits | 72.8379% | 3,723 |
| Total domestic deposits to total assets | 79.9814% | 5,756 |
| Equity capital to assets | 11.7815% | 2,196 |
| Core capital (leverage) ratio | 9.8693% | 3,575 |
| Tier 1 risk-based capital ratio | 12.9730% | 5,244 |
| Total risk-based capital ratio | 13.7033% | 5,556 |
| Memoranda: |
| Average total assets | $349,464,500 | 1,896 |
| Average earning assets | $317,592,000 | 1,910 |
| Average equity | $40,951,500 | 1,746 |
| Average total loans | $186,047,000 | 2,158 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4028% | 3,799 |
| Cost of funding earning assets | 1.1860% | 624 |
| Net interest margin | 3.2168% | 5,529 |
| Noninterest income to average assets | 1.3732% | 826 |
| Noninterest expense to average assets | 3.0576% | 3,064 |
| Loan and lease loss provision to assets | 0.0652% | 4,947 |
| Net operating income to assets | 1.1466% | 1,782 |
| Return on assets (ROA) | 1.2278% | 1,675 |
| Pretax return on assets | 1.2832% | 2,476 |
| Return on Equity (ROE) | 10.7812% | 1,879 |
| Retained earnings to average equity (ytd only) | -1.1820% | 6,042 |
| Net charge-offs to loans | -0.0270% | 6,599 |
| Credit loss provision to net charge-offs | -442.1053% | 6,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7540% | 3,662 |
| Assets per employee ($millions) | 4.6883% | 2,658 |
| Cash dividends to net income (ytd only)* | 110.9637% | 382 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9645% | 6,080 |
| Loan loss allowance to noncurrent loans | 304.1806% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 6,136 |
| Noncurrent loans to loans | 0.3171% | 5,694 |
| Net loans and leases to total assets | 53.1207% | 4,738 |
| Net loans and leases to deposits | 66.5050% | 4,203 |
| Net loans and leases to core deposits | 74.2122% | 3,755 |
| Total domestic deposits to total assets | 79.8747% | 5,701 |
| Equity capital to assets | 11.6560% | 2,299 |
| Core capital (leverage) ratio | 9.6227% | 3,926 |
| Tier 1 risk-based capital ratio | 11.8925% | 5,848 |
| Total risk-based capital ratio | 12.5436% | 6,185 |
| Memoranda: |
| Average total assets | $257,787,600 | 2,461 |
| Average earning assets | $236,258,600 | 2,447 |
| Average equity | $29,356,600 | 2,294 |
| Average total loans | $140,983,000 | 2,703 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5239% | 3,540 |
| Cost of funding earning assets | 1.2009% | 687 |
| Net interest margin | 3.3230% | 5,301 |
| Noninterest income to average assets | 1.1761% | 1,095 |
| Noninterest expense to average assets | 2.9280% | 3,489 |
| Loan and lease loss provision to assets | 0.0307% | 5,394 |
| Net operating income to assets | 1.2141% | 1,688 |
| Return on assets (ROA) | 1.3331% | 1,505 |
| Pretax return on assets | 1.3957% | 2,253 |
| Return on Equity (ROE) | 11.8109% | 1,696 |
| Retained earnings to average equity (ytd only) | -4.3050% | 6,578 |
| Net charge-offs to loans | 0.0331% | 5,181 |
| Credit loss provision to net charge-offs | 168.7500% | 1,650 |
| Earnings coverage of net charge-offs (x) | 71.5238% | 576 |
| Efficiency ratio | 69.2132% | 3,837 |
| Assets per employee ($millions) | 4.3800% | 3,103 |
| Cash dividends to net income (ytd only)* | 136.4491% | 142 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8959% | 6,394 |
| Loan loss allowance to noncurrent loans | 210.9677% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 6,153 |
| Noncurrent loans to loans | 0.4246% | 5,601 |
| Net loans and leases to total assets | 51.6192% | 5,100 |
| Net loans and leases to deposits | 64.6753% | 4,633 |
| Net loans and leases to core deposits | 69.6311% | 4,544 |
| Total domestic deposits to total assets | 79.8127% | 5,707 |
| Equity capital to assets | 11.6932% | 2,541 |
| Core capital (leverage) ratio | 9.6628% | 4,029 |
| Tier 1 risk-based capital ratio | 13.6505% | 4,782 |
| Total risk-based capital ratio | 14.3178% | 5,150 |
| Memoranda: |
| Average total assets | $234,329,000 | 2,706 |
| Average earning assets | $215,385,250 | 2,693 |
| Average equity | $26,449,500 | 2,549 |
| Average total loans | $129,078,000 | 2,937 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5072% | 3,734 |
| Cost of funding earning assets | 1.1540% | 1,009 |
| Net interest margin | 3.3532% | 5,253 |
| Noninterest income to average assets | 1.1317% | 1,112 |
| Noninterest expense to average assets | 3.0720% | 3,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0886% | 2,080 |
| Return on assets (ROA) | 1.3004% | 1,592 |
| Pretax return on assets | 1.3658% | 2,333 |
| Return on Equity (ROE) | 11.7732% | 1,741 |
| Retained earnings to average equity (ytd only) | 3.6467% | 4,170 |
| Net charge-offs to loans | 0.0270% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 74.5333% | 545 |
| Efficiency ratio | 72.8838% | 3,257 |
| Assets per employee ($millions) | 4.1821% | 3,494 |
| Cash dividends to net income (ytd only)* | 69.0252% | 1,114 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4179% | 4,387 |
| Loan loss allowance to noncurrent loans | 887.7778% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 6,577 |
| Noncurrent loans to loans | 0.1597% | 6,268 |
| Net loans and leases to total assets | 55.3455% | 4,572 |
| Net loans and leases to deposits | 74.2394% | 3,251 |
| Net loans and leases to core deposits | 85.4707% | 2,495 |
| Total domestic deposits to total assets | 74.5500% | 6,629 |
| Equity capital to assets | 10.8539% | 3,289 |
| Core capital (leverage) ratio | 9.4162% | 4,274 |
| Tier 1 risk-based capital ratio | 11.8266% | 6,041 |
| Total risk-based capital ratio | 12.8657% | 6,140 |
| Memoranda: |
| Average total assets | $195,639,000 | 3,143 |
| Average earning assets | $179,890,330 | 3,132 |
| Average equity | $21,608,330 | 3,031 |
| Average total loans | $111,268,000 | 3,304 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6201% | 3,411 |
| Cost of funding earning assets | 1.2221% | 884 |
| Net interest margin | 3.3980% | 5,131 |
| Noninterest income to average assets | 1.1290% | 1,109 |
| Noninterest expense to average assets | 3.1405% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0509% | 2,282 |
| Return on assets (ROA) | 1.4501% | 1,248 |
| Pretax return on assets | 1.5350% | 1,785 |
| Return on Equity (ROE) | 13.0121% | 1,401 |
| Retained earnings to average equity (ytd only) | 5.7997% | 3,074 |
| Net charge-offs to loans | 0.0507% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 38.2857% | 771 |
| Efficiency ratio | 73.8791% | 3,114 |
| Assets per employee ($millions) | 3.7968% | 4,428 |
| Cash dividends to net income (ytd only)* | 55.4286% | 1,320 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4470% | 4,389 |
| Loan loss allowance to noncurrent loans | 803.5176% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 6,554 |
| Noncurrent loans to loans | 0.1801% | 6,324 |
| Net loans and leases to total assets | 57.3645% | 4,152 |
| Net loans and leases to deposits | 77.9068% | 2,530 |
| Net loans and leases to core deposits | 89.0071% | 1,953 |
| Total domestic deposits to total assets | 73.6323% | 6,779 |
| Equity capital to assets | 11.4153% | 2,511 |
| Core capital (leverage) ratio | 9.2613% | 4,421 |
| Tier 1 risk-based capital ratio | 12.1466% | 5,863 |
| Total risk-based capital ratio | 13.2192% | 5,977 |
| Memoranda: |
| Average total assets | $193,089,000 | 3,195 |
| Average earning assets | $177,400,500 | 3,184 |
| Average equity | $21,518,500 | 3,036 |
| Average total loans | $110,553,000 | 3,343 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5400% | 4,916 |
| Cost of funding earning assets | 1.3500% | 1,236 |
| Net interest margin | 3.1900% | 6,123 |
| Noninterest income to average assets | 1.6973% | 491 |
| Noninterest expense to average assets | 3.2400% | 2,726 |
| Loan and lease loss provision to assets | 0.0705% | 5,738 |
| Net operating income to assets | 1.2694% | 1,327 |
| Return on assets (ROA) | 1.3496% | 1,234 |
| Pretax return on assets | 1.4065% | 1,768 |
| Return on Equity (ROE) | 12.8194% | 1,202 |
| Retained earnings to average equity (ytd only) | 3.9921% | 3,353 |
| Net charge-offs to loans | 0.0932% | 5,409 |
| Credit loss provision to net charge-offs | 139.1753% | 2,126 |
| Earnings coverage of net charge-offs (x) | 27.5155% | 904 |
| Efficiency ratio | 69.9268% | 3,976 |
| Assets per employee ($millions) | 4.2682% | 3,325 |
| Cash dividends to net income (ytd only)* | 68.8588% | 1,187 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4583% | 4,201 |
| Loan loss allowance to noncurrent loans | 698.2684% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 6,590 |
| Noncurrent loans to loans | 0.2089% | 6,327 |
| Net loans and leases to total assets | 55.5130% | 4,791 |
| Net loans and leases to deposits | 78.5386% | 2,748 |
| Net loans and leases to core deposits | 91.7047% | 1,918 |
| Total domestic deposits to total assets | 70.6824% | 6,954 |
| Equity capital to assets | 10.8824% | 3,102 |
| Core capital (leverage) ratio | 9.0843% | 4,645 |
| Tier 1 risk-based capital ratio | 11.7063% | 6,020 |
| Total risk-based capital ratio | 12.7674% | 6,138 |
| Memoranda: |
| Average total assets | $191,543,200 | 3,163 |
| Average earning assets | $176,298,600 | 3,141 |
| Average equity | $20,164,800 | 3,111 |
| Average total loans | $104,053,800 | 3,523 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5281% | 5,176 |
| Cost of funding earning assets | 1.3735% | 1,351 |
| Net interest margin | 3.1546% | 6,273 |
| Noninterest income to average assets | 1.6748% | 487 |
| Noninterest expense to average assets | 3.1423% | 3,015 |
| Loan and lease loss provision to assets | 0.0560% | 5,742 |
| Net operating income to assets | 1.3278% | 1,312 |
| Return on assets (ROA) | 1.3708% | 1,298 |
| Pretax return on assets | 1.4268% | 1,857 |
| Return on Equity (ROE) | 13.1353% | 1,245 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,523 |
| Net charge-offs to loans | 0.0690% | 5,265 |
| Credit loss provision to net charge-offs | 150.9434% | 2,066 |
| Earnings coverage of net charge-offs (x) | 38.7385% | 788 |
| Efficiency ratio | 68.6038% | 4,198 |
| Assets per employee ($millions) | 4.2593% | 3,352 |
| Cash dividends to net income (ytd only)* | 53.8066% | 1,427 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5113% | 4,043 |
| Loan loss allowance to noncurrent loans | 160.0400% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 5,753 |
| Noncurrent loans to loans | 0.9443% | 4,992 |
| Net loans and leases to total assets | 53.2852% | 5,280 |
| Net loans and leases to deposits | 75.3850% | 3,436 |
| Net loans and leases to core deposits | 87.4885% | 2,564 |
| Total domestic deposits to total assets | 70.6840% | 7,002 |
| Equity capital to assets | 11.0189% | 3,124 |
| Core capital (leverage) ratio | 9.4610% | 4,212 |
| Tier 1 risk-based capital ratio | 12.1678% | 5,765 |
| Total risk-based capital ratio | 13.2572% | 5,879 |
| Memoranda: |
| Average total assets | $190,345,000 | 3,198 |
| Average earning assets | $175,317,000 | 3,168 |
| Average equity | $19,864,500 | 3,170 |
| Average total loans | $102,416,000 | 3,587 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5404% | 5,215 |
| Cost of funding earning assets | 1.4041% | 1,404 |
| Net interest margin | 3.1364% | 6,315 |
| Noninterest income to average assets | 1.5227% | 550 |
| Noninterest expense to average assets | 3.1886% | 2,946 |
| Loan and lease loss provision to assets | 0.0849% | 5,248 |
| Net operating income to assets | 1.0946% | 1,885 |
| Return on assets (ROA) | 1.1099% | 1,934 |
| Pretax return on assets | 1.1545% | 2,657 |
| Return on Equity (ROE) | 10.8452% | 1,847 |
| Retained earnings to average equity (ytd only) | 1.4827% | 5,239 |
| Net charge-offs to loans | 0.1047% | 4,638 |
| Credit loss provision to net charge-offs | 150.9434% | 2,023 |
| Earnings coverage of net charge-offs (x) | 21.7547% | 1,143 |
| Efficiency ratio | 72.2703% | 3,680 |
| Assets per employee ($millions) | 4.1226% | 3,506 |
| Cash dividends to net income (ytd only)* | 86.3289% | 662 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5822% | 3,767 |
| Loan loss allowance to noncurrent loans | 171.3369% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 5,796 |
| Noncurrent loans to loans | 0.9235% | 5,121 |
| Net loans and leases to total assets | 52.5451% | 5,494 |
| Net loans and leases to deposits | 76.0171% | 3,466 |
| Net loans and leases to core deposits | 88.8246% | 2,521 |
| Total domestic deposits to total assets | 69.1227% | 7,149 |
| Equity capital to assets | 10.6359% | 3,347 |
| Core capital (leverage) ratio | 8.9293% | 4,834 |
| Tier 1 risk-based capital ratio | 12.2118% | 5,605 |
| Total risk-based capital ratio | 13.3536% | 5,676 |
| Memoranda: |
| Average total assets | $188,484,330 | 3,245 |
| Average earning assets | $173,640,330 | 3,207 |
| Average equity | $19,289,670 | 3,230 |
| Average total loans | $101,220,670 | 3,660 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4753% | 5,426 |
| Cost of funding earning assets | 1.3791% | 1,719 |
| Net interest margin | 3.0961% | 6,361 |
| Noninterest income to average assets | 1.1069% | 1,067 |
| Noninterest expense to average assets | 2.7610% | 4,599 |
| Loan and lease loss provision to assets | 0.1703% | 3,926 |
| Net operating income to assets | 0.9899% | 2,216 |
| Return on assets (ROA) | 0.9899% | 2,272 |
| Pretax return on assets | 1.0239% | 3,045 |
| Return on Equity (ROE) | 9.8676% | 2,141 |
| Retained earnings to average equity (ytd only) | 6.6633% | 2,300 |
| Net charge-offs to loans | 0.0553% | 4,379 |
| Credit loss provision to net charge-offs | 571.4286% | 651 |
| Earnings coverage of net charge-offs (x) | 40.0714% | 684 |
| Efficiency ratio | 69.8062% | 4,317 |
| Assets per employee ($millions) | 3.9121% | 4,046 |
| Cash dividends to net income (ytd only)* | 32.4731% | 1,929 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6903% | 3,371 |
| Loan loss allowance to noncurrent loans | 169.5248% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 5,756 |
| Noncurrent loans to loans | 0.9971% | 5,051 |
| Net loans and leases to total assets | 48.7945% | 5,977 |
| Net loans and leases to deposits | 69.1956% | 4,496 |
| Net loans and leases to core deposits | 79.8750% | 3,781 |
| Total domestic deposits to total assets | 70.5168% | 7,155 |
| Equity capital to assets | 9.7655% | 4,079 |
| Core capital (leverage) ratio | 9.3292% | 4,082 |
| Tier 1 risk-based capital ratio | 12.6982% | 5,069 |
| Total risk-based capital ratio | 13.9024% | 5,089 |
| Memoranda: |
| Average total assets | $187,906,000 | 3,267 |
| Average earning assets | $172,860,500 | 3,259 |
| Average equity | $18,849,500 | 3,274 |
| Average total loans | $101,206,500 | 3,689 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1495% | 3,853 |
| Cost of funding earning assets | 1.6291% | 1,914 |
| Net interest margin | 3.5204% | 5,158 |
| Noninterest income to average assets | 1.3150% | 853 |
| Noninterest expense to average assets | 3.0910% | 3,497 |
| Loan and lease loss provision to assets | 0.3394% | 4,114 |
| Net operating income to assets | 1.0554% | 1,855 |
| Return on assets (ROA) | 1.0554% | 1,952 |
| Pretax return on assets | 1.0937% | 2,600 |
| Return on Equity (ROE) | 9.8270% | 1,996 |
| Retained earnings to average equity (ytd only) | 3.2987% | 3,561 |
| Net charge-offs to loans | 0.5405% | 3,452 |
| Credit loss provision to net charge-offs | 107.0144% | 4,154 |
| Earnings coverage of net charge-offs (x) | 4.5180% | 2,893 |
| Efficiency ratio | 68.3228% | 4,500 |
| Assets per employee ($millions) | 3.6041% | 4,696 |
| Cash dividends to net income (ytd only)* | 66.4324% | 1,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4953% | 4,041 |
| Loan loss allowance to noncurrent loans | 154.4118% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 5,572 |
| Noncurrent loans to loans | 0.9684% | 5,113 |
| Net loans and leases to total assets | 57.5741% | 5,093 |
| Net loans and leases to deposits | 85.0594% | 2,272 |
| Net loans and leases to core deposits | 98.5056% | 1,752 |
| Total domestic deposits to total assets | 67.6870% | 7,333 |
| Equity capital to assets | 10.3199% | 3,365 |
| Core capital (leverage) ratio | 9.4079% | 3,835 |
| Tier 1 risk-based capital ratio | 12.1931% | 5,298 |
| Total risk-based capital ratio | 13.3234% | 5,390 |
| Memoranda: |
| Average total assets | $175,283,600 | 3,451 |
| Average earning assets | $159,782,600 | 3,458 |
| Average equity | $18,825,600 | 3,300 |
| Average total loans | $102,868,600 | 3,715 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0879% | 4,384 |
| Cost of funding earning assets | 1.6539% | 2,085 |
| Net interest margin | 3.4340% | 5,557 |
| Noninterest income to average assets | 1.3789% | 712 |
| Noninterest expense to average assets | 3.0756% | 3,450 |
| Loan and lease loss provision to assets | 0.3447% | 3,852 |
| Net operating income to assets | 1.0456% | 2,087 |
| Return on assets (ROA) | 1.0456% | 2,194 |
| Pretax return on assets | 1.0855% | 2,872 |
| Return on Equity (ROE) | 9.6382% | 2,272 |
| Retained earnings to average equity (ytd only) | 3.4387% | 4,034 |
| Net charge-offs to loans | 0.5724% | 3,032 |
| Credit loss provision to net charge-offs | 102.5057% | 4,199 |
| Earnings coverage of net charge-offs (x) | 4.2528% | 3,134 |
| Efficiency ratio | 68.2591% | 4,415 |
| Assets per employee ($millions) | 3.6383% | 4,646 |
| Cash dividends to net income (ytd only)* | 64.3226% | 1,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4338% | 4,293 |
| Loan loss allowance to noncurrent loans | 138.0018% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 4,965 |
| Noncurrent loans to loans | 1.0390% | 5,169 |
| Net loans and leases to total assets | 58.4592% | 5,192 |
| Net loans and leases to deposits | 85.6959% | 2,408 |
| Net loans and leases to core deposits | 98.0636% | 2,036 |
| Total domestic deposits to total assets | 68.2170% | 7,367 |
| Equity capital to assets | 10.7649% | 3,208 |
| Core capital (leverage) ratio | 9.7667% | 3,528 |
| Tier 1 risk-based capital ratio | 12.2772% | 5,201 |
| Total risk-based capital ratio | 13.4040% | 5,278 |
| Memoranda: |
| Average total assets | $174,053,000 | 3,512 |
| Average earning assets | $158,489,750 | 3,523 |
| Average equity | $18,882,750 | 3,338 |
| Average total loans | $102,254,000 | 3,791 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0669% | 4,631 |
| Cost of funding earning assets | 1.6825% | 2,207 |
| Net interest margin | 3.3843% | 5,700 |
| Noninterest income to average assets | 1.3848% | 656 |
| Noninterest expense to average assets | 3.1581% | 3,059 |
| Loan and lease loss provision to assets | 0.3150% | 3,861 |
| Net operating income to assets | 0.9485% | 2,373 |
| Return on assets (ROA) | 0.9485% | 2,464 |
| Pretax return on assets | 0.9811% | 3,198 |
| Return on Equity (ROE) | 8.7188% | 2,575 |
| Retained earnings to average equity (ytd only) | 3.8822% | 3,618 |
| Net charge-offs to loans | 0.8588% | 2,112 |
| Credit loss provision to net charge-offs | 62.6450% | 5,142 |
| Earnings coverage of net charge-offs (x) | 2.5777% | 3,706 |
| Efficiency ratio | 70.9010% | 4,001 |
| Assets per employee ($millions) | 3.3938% | 5,203 |
| Cash dividends to net income (ytd only)* | 55.4736% | 1,472 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3698% | 4,581 |
| Loan loss allowance to noncurrent loans | 270.1375% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 1.2163% | 4,703 |
| Noncurrent loans to loans | 0.5071% | 6,241 |
| Net loans and leases to total assets | 58.3457% | 5,362 |
| Net loans and leases to deposits | 89.0488% | 1,993 |
| Net loans and leases to core deposits | 105.4848% | 1,496 |
| Total domestic deposits to total assets | 65.5211% | 7,547 |
| Equity capital to assets | 11.2256% | 2,664 |
| Core capital (leverage) ratio | 9.8615% | 3,326 |
| Tier 1 risk-based capital ratio | 13.0470% | 4,400 |
| Total risk-based capital ratio | 14.1193% | 4,507 |
| Memoranda: |
| Average total assets | $171,432,330 | 3,580 |
| Average earning assets | $155,480,670 | 3,610 |
| Average equity | $18,649,330 | 3,356 |
| Average total loans | $100,374,330 | 3,884 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9807% | 5,109 |
| Cost of funding earning assets | 1.6748% | 2,514 |
| Net interest margin | 3.3059% | 5,951 |
| Noninterest income to average assets | 1.3999% | 621 |
| Noninterest expense to average assets | 3.1967% | 2,879 |
| Loan and lease loss provision to assets | 0.3482% | 3,292 |
| Net operating income to assets | 0.8218% | 2,874 |
| Return on assets (ROA) | 0.8218% | 2,966 |
| Pretax return on assets | 0.8427% | 3,694 |
| Return on Equity (ROE) | 7.6750% | 3,033 |
| Retained earnings to average equity (ytd only) | 4.4229% | 3,500 |
| Net charge-offs to loans | 1.6300% | 1,069 |
| Credit loss provision to net charge-offs | 36.6748% | 4,699 |
| Earnings coverage of net charge-offs (x) | 1.2543% | 4,000 |
| Efficiency ratio | 72.8571% | 3,784 |
| Assets per employee ($millions) | 3.4846% | 5,063 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,684 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2990% | 4,945 |
| Loan loss allowance to noncurrent loans | 171.1796% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 1.6203% | 4,054 |
| Noncurrent loans to loans | 0.7588% | 5,805 |
| Net loans and leases to total assets | 55.6925% | 5,795 |
| Net loans and leases to deposits | 82.1673% | 3,256 |
| Net loans and leases to core deposits | 97.2304% | 2,430 |
| Total domestic deposits to total assets | 67.7794% | 7,538 |
| Equity capital to assets | 10.6434% | 3,098 |
| Core capital (leverage) ratio | 9.8930% | 3,292 |
| Tier 1 risk-based capital ratio | 12.9888% | 4,341 |
| Total risk-based capital ratio | 13.9896% | 4,489 |
| Memoranda: |
| Average total assets | $172,302,500 | 3,625 |
| Average earning assets | $155,722,000 | 3,653 |
| Average equity | $18,449,500 | 3,410 |
| Average total loans | $100,370,000 | 3,951 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3798% | 4,787 |
| Cost of funding earning assets | 1.9597% | 3,158 |
| Net interest margin | 3.4202% | 5,293 |
| Noninterest income to average assets | 1.4064% | 741 |
| Noninterest expense to average assets | 3.0215% | 4,067 |
| Loan and lease loss provision to assets | 0.4410% | 4,184 |
| Net operating income to assets | 1.0075% | 1,812 |
| Return on assets (ROA) | 1.1559% | 1,397 |
| Pretax return on assets | 1.2006% | 1,951 |
| Return on Equity (ROE) | 10.8824% | 1,458 |
| Retained earnings to average equity (ytd only) | 4.2179% | 2,265 |
| Net charge-offs to loans | 0.4684% | 3,907 |
| Credit loss provision to net charge-offs | 153.0612% | 2,992 |
| Earnings coverage of net charge-offs (x) | 5.1612% | 2,672 |
| Efficiency ratio | 67.0188% | 5,176 |
| Assets per employee ($millions) | 3.4770% | 5,065 |
| Cash dividends to net income (ytd only)* | 61.2411% | 1,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4996% | 3,735 |
| Loan loss allowance to noncurrent loans | 105.1335% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0766% | 3,306 |
| Noncurrent loans to loans | 1.4263% | 4,539 |
| Net loans and leases to total assets | 59.2188% | 5,461 |
| Net loans and leases to deposits | 92.7556% | 1,777 |
| Net loans and leases to core deposits | 116.7147% | 2,247 |
| Total domestic deposits to total assets | 63.8439% | 7,713 |
| Equity capital to assets | 10.7733% | 2,896 |
| Core capital (leverage) ratio | 9.6000% | 3,596 |
| Tier 1 risk-based capital ratio | 12.6196% | 4,423 |
| Total risk-based capital ratio | 13.8038% | 4,419 |
| Memoranda: |
| Average total assets | $170,080,400 | 3,611 |
| Average earning assets | $154,261,800 | 3,633 |
| Average equity | $18,065,800 | 3,499 |
| Average total loans | $104,606,800 | 3,818 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4078% | 4,908 |
| Cost of funding earning assets | 2.0093% | 3,310 |
| Net interest margin | 3.3985% | 5,270 |
| Noninterest income to average assets | 1.3756% | 799 |
| Noninterest expense to average assets | 3.0908% | 3,679 |
| Loan and lease loss provision to assets | 0.4000% | 3,915 |
| Net operating income to assets | 0.9410% | 2,269 |
| Return on assets (ROA) | 1.1411% | 1,679 |
| Pretax return on assets | 1.1819% | 2,320 |
| Return on Equity (ROE) | 10.7814% | 1,683 |
| Retained earnings to average equity (ytd only) | 3.5345% | 3,317 |
| Net charge-offs to loans | 0.6238% | 2,807 |
| Credit loss provision to net charge-offs | 103.6585% | 4,912 |
| Earnings coverage of net charge-offs (x) | 3.5651% | 3,479 |
| Efficiency ratio | 69.2011% | 4,746 |
| Assets per employee ($millions) | 3.5855% | 4,721 |
| Cash dividends to net income (ytd only)* | 67.2167% | 1,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2596% | 4,761 |
| Loan loss allowance to noncurrent loans | 85.6954% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 2.0842% | 3,230 |
| Noncurrent loans to loans | 1.4699% | 4,482 |
| Net loans and leases to total assets | 58.9390% | 5,748 |
| Net loans and leases to deposits | 87.7604% | 3,012 |
| Net loans and leases to core deposits | 113.5798% | 2,873 |
| Total domestic deposits to total assets | 67.1590% | 7,630 |
| Equity capital to assets | 10.7975% | 3,211 |
| Core capital (leverage) ratio | 9.4188% | 4,023 |
| Tier 1 risk-based capital ratio | 12.4789% | 4,556 |
| Total risk-based capital ratio | 13.4828% | 4,704 |
| Memoranda: |
| Average total assets | $170,006,750 | 3,626 |
| Average earning assets | $154,612,750 | 3,643 |
| Average equity | $17,993,500 | 3,542 |
| Average total loans | $105,151,000 | 3,848 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4589% | 4,853 |
| Cost of funding earning assets | 2.0539% | 3,506 |
| Net interest margin | 3.4050% | 5,142 |
| Noninterest income to average assets | 1.3195% | 880 |
| Noninterest expense to average assets | 3.0855% | 3,758 |
| Loan and lease loss provision to assets | 0.2126% | 4,920 |
| Net operating income to assets | 1.0844% | 1,827 |
| Return on assets (ROA) | 1.1966% | 1,568 |
| Pretax return on assets | 1.2403% | 2,194 |
| Return on Equity (ROE) | 11.3839% | 1,594 |
| Retained earnings to average equity (ytd only) | 3.7759% | 3,196 |
| Net charge-offs to loans | 0.0755% | 5,452 |
| Credit loss provision to net charge-offs | 450.0000% | 1,032 |
| Earnings coverage of net charge-offs (x) | 28.2750% | 1,037 |
| Efficiency ratio | 69.7836% | 4,828 |
| Assets per employee ($millions) | 3.4901% | 4,840 |
| Cash dividends to net income (ytd only)* | 66.8312% | 1,464 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3618% | 3,925 |
| Loan loss allowance to noncurrent loans | 191.6103% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 1.6768% | 3,673 |
| Noncurrent loans to loans | 0.7107% | 5,818 |
| Net loans and leases to total assets | 61.2249% | 5,481 |
| Net loans and leases to deposits | 94.6024% | 2,005 |
| Net loans and leases to core deposits | 117.3683% | 2,602 |
| Total domestic deposits to total assets | 64.7181% | 7,802 |
| Equity capital to assets | 10.6742% | 3,230 |
| Core capital (leverage) ratio | 9.5277% | 3,843 |
| Tier 1 risk-based capital ratio | 12.3480% | 4,642 |
| Total risk-based capital ratio | 13.4447% | 4,669 |
| Memoranda: |
| Average total assets | $169,307,330 | 3,660 |
| Average earning assets | $154,244,330 | 3,663 |
| Average equity | $17,797,000 | 3,578 |
| Average total loans | $105,957,670 | 3,857 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4201% | 5,319 |
| Cost of funding earning assets | 2.0486% | 3,886 |
| Net interest margin | 3.3715% | 5,249 |
| Noninterest income to average assets | 1.2574% | 904 |
| Noninterest expense to average assets | 3.0576% | 3,527 |
| Loan and lease loss provision to assets | 0.2115% | 4,331 |
| Net operating income to assets | 1.0293% | 2,195 |
| Return on assets (ROA) | 1.2527% | 1,602 |
| Pretax return on assets | 1.2997% | 2,287 |
| Return on Equity (ROE) | 12.0082% | 1,657 |
| Retained earnings to average equity (ytd only) | 8.6288% | 1,592 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5149% | 4,477 |
| Assets per employee ($millions) | 3.5548% | 4,686 |
| Cash dividends to net income (ytd only)* | 28.1426% | 2,373 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3082% | 4,026 |
| Loan loss allowance to noncurrent loans | 48.1834% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 1.6615% | 3,425 |
| Noncurrent loans to loans | 2.7151% | 2,419 |
| Net loans and leases to total assets | 60.3931% | 5,591 |
| Net loans and leases to deposits | 89.5433% | 3,003 |
| Net loans and leases to core deposits | 107.3247% | 3,761 |
| Total domestic deposits to total assets | 67.4457% | 7,635 |
| Equity capital to assets | 10.5150% | 3,447 |
| Core capital (leverage) ratio | 9.7366% | 3,702 |
| Tier 1 risk-based capital ratio | 11.8986% | 5,046 |
| Total risk-based capital ratio | 12.9151% | 5,155 |
| Memoranda: |
| Average total assets | $170,198,500 | 3,645 |
| Average earning assets | $155,420,500 | 3,659 |
| Average equity | $17,754,500 | 3,602 |
| Average total loans | $106,945,000 | 3,862 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9784% | 5,650 |
| Cost of funding earning assets | 2.7257% | 3,036 |
| Net interest margin | 3.2527% | 6,204 |
| Noninterest income to average assets | 1.4697% | 656 |
| Noninterest expense to average assets | 2.9452% | 4,278 |
| Loan and lease loss provision to assets | 0.1630% | 5,294 |
| Net operating income to assets | 1.2816% | 1,538 |
| Return on assets (ROA) | 1.4014% | 1,179 |
| Pretax return on assets | 1.4520% | 1,818 |
| Return on Equity (ROE) | 14.5067% | 1,008 |
| Retained earnings to average equity (ytd only) | 9.4641% | 526 |
| Net charge-offs to loans | 0.0103% | 6,782 |
| Credit loss provision to net charge-offs | 2,518.1818% | 184 |
| Earnings coverage of net charge-offs (x) | 230.4545% | 208 |
| Efficiency ratio | 66.3838% | 5,042 |
| Assets per employee ($millions) | 3.6120% | 4,388 |
| Cash dividends to net income (ytd only)* | 34.7607% | 3,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1656% | 4,811 |
| Loan loss allowance to noncurrent loans | 255.7114% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 6,413 |
| Noncurrent loans to loans | 0.4558% | 5,976 |
| Net loans and leases to total assets | 63.7340% | 5,329 |
| Net loans and leases to deposits | 104.9284% | 1,244 |
| Net loans and leases to core deposits | 120.2694% | 2,656 |
| Total domestic deposits to total assets | 60.7404% | 7,937 |
| Equity capital to assets | 10.3478% | 3,670 |
| Core capital (leverage) ratio | 9.4438% | 4,100 |
| Tier 1 risk-based capital ratio | 11.3972% | 5,332 |
| Total risk-based capital ratio | 12.3290% | 5,543 |
| Memoranda: |
| Average total assets | $169,970,800 | 3,554 |
| Average earning assets | $155,042,600 | 3,565 |
| Average equity | $16,420,000 | 3,844 |
| Average total loans | $106,474,000 | 3,780 |
