| 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 | 4.6823% | 2,719 |
| Cost of funding earning assets | 0.5048% | 4,188 |
| Net interest margin | 4.1775% | 968 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 1.7429% | 4,075 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 2.6597% | 215 |
| Return on assets (ROA) | 2.3202% | 285 |
| Pretax return on assets | 2.4222% | 369 |
| Return on Equity (ROE) | 23.6600% | 365 |
| Retained earnings to average equity (ytd only) | 5.4145% | 2,438 |
| Net charge-offs to loans | 0.0044% | 2,567 |
| Credit loss provision to net charge-offs | 754.8387% | 499 |
| Earnings coverage of net charge-offs (x) | 837.5161% | 174 |
| Efficiency ratio | 38.3902% | 4,391 |
| Assets per employee ($millions) | 9.8228% | 748 |
| Cash dividends to net income (ytd only)* | 77.1138% | 648 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3790% | 1,465 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.4300% | 924 |
| Net loans and leases to deposits | 87.5066% | 1,482 |
| Net loans and leases to core deposits | 88.8960% | 2,121 |
| Total domestic deposits to total assets | 88.4800% | 1,213 |
| Equity capital to assets | 10.7082% | 1,626 |
| Core capital (leverage) ratio | 11.1809% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9067% | 1,560 |
| Memoranda: |
| Average total assets | $928,242,200 | 1,056 |
| Average earning assets | $892,107,000 | 1,009 |
| Average equity | $91,034,000 | 1,021 |
| Average total loans | $703,409,000 | 955 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5861% | 2,713 |
| Cost of funding earning assets | 0.3920% | 4,269 |
| Net interest margin | 4.1941% | 932 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.6999% | 4,127 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.5840% | 245 |
| Return on assets (ROA) | 2.5731% | 241 |
| Pretax return on assets | 2.6849% | 317 |
| Return on Equity (ROE) | 26.8300% | 314 |
| Retained earnings to average equity (ytd only) | 10.0414% | 1,390 |
| Net charge-offs to loans | 0.0047% | 2,300 |
| Credit loss provision to net charge-offs | 1,228.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 766.4000% | 209 |
| Efficiency ratio | 38.3388% | 4,401 |
| Assets per employee ($millions) | 10.4533% | 582 |
| Cash dividends to net income (ytd only)* | 62.5776% | 867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3805% | 1,527 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 76.5900% | 1,048 |
| Net loans and leases to deposits | 85.8189% | 1,589 |
| Net loans and leases to core deposits | 86.4970% | 2,159 |
| Total domestic deposits to total assets | 89.2500% | 1,176 |
| Equity capital to assets | 9.8726% | 1,900 |
| Core capital (leverage) ratio | 11.6074% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2061% | 1,503 |
| Memoranda: |
| Average total assets | $934,377,500 | 1,050 |
| Average earning assets | $898,887,500 | 1,007 |
| Average equity | $89,600,000 | 1,032 |
| Average total loans | $701,882,750 | 950 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5471% | 2,535 |
| Cost of funding earning assets | 0.2671% | 4,360 |
| Net interest margin | 4.2799% | 834 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.6774% | 4,176 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.6765% | 203 |
| Return on assets (ROA) | 2.6765% | 200 |
| Pretax return on assets | 2.8137% | 243 |
| Return on Equity (ROE) | 28.1800% | 259 |
| Retained earnings to average equity (ytd only) | 11.3348% | 1,118 |
| Net charge-offs to loans | 0.0046% | 2,116 |
| Credit loss provision to net charge-offs | 1,031.2500% | 399 |
| Earnings coverage of net charge-offs (x) | 834.7500% | 178 |
| Efficiency ratio | 37.0979% | 4,447 |
| Assets per employee ($millions) | 10.5271% | 570 |
| Cash dividends to net income (ytd only)* | 59.7820% | 997 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3806% | 1,603 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 76.7700% | 966 |
| Net loans and leases to deposits | 86.1274% | 1,495 |
| Net loans and leases to core deposits | 86.9953% | 2,002 |
| Total domestic deposits to total assets | 89.1300% | 1,206 |
| Equity capital to assets | 10.0519% | 1,826 |
| Core capital (leverage) ratio | 11.2140% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1229% | 1,539 |
| Memoranda: |
| Average total assets | $939,205,333 | 1,032 |
| Average earning assets | $903,659,000 | 990 |
| Average equity | $89,194,333 | 1,025 |
| Average total loans | $697,697,667 | 943 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4519% | 2,424 |
| Cost of funding earning assets | 0.1489% | 4,459 |
| Net interest margin | 4.3030% | 800 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.6299% | 4,267 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 2.7973% | 183 |
| Return on assets (ROA) | 2.8138% | 178 |
| Pretax return on assets | 2.9230% | 215 |
| Return on Equity (ROE) | 30.4700% | 225 |
| Retained earnings to average equity (ytd only) | 13.4511% | 1,016 |
| Net charge-offs to loans | 0.0052% | 1,783 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 777.8889% | 143 |
| Efficiency ratio | 35.7530% | 4,543 |
| Assets per employee ($millions) | 11.2108% | 490 |
| Cash dividends to net income (ytd only)* | 55.8579% | 1,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3847% | 1,681 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 72.7300% | 1,349 |
| Net loans and leases to deposits | 81.1769% | 1,732 |
| Net loans and leases to core deposits | 81.7413% | 2,133 |
| Total domestic deposits to total assets | 89.6000% | 1,298 |
| Equity capital to assets | 9.6662% | 2,025 |
| Core capital (leverage) ratio | 10.6473% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0363% | 1,615 |
| Memoranda: |
| Average total assets | $956,143,500 | 1,033 |
| Average earning assets | $921,215,000 | 985 |
| Average equity | $88,290,000 | 1,050 |
| Average total loans | $694,173,000 | 963 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8330% | 2,188 |
| Cost of funding earning assets | 0.0784% | 4,477 |
| Net interest margin | 3.7545% | 1,256 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.5779% | 4,333 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 2.3158% | 179 |
| Return on assets (ROA) | 2.2826% | 178 |
| Pretax return on assets | 2.3599% | 253 |
| Return on Equity (ROE) | 25.8400% | 179 |
| Retained earnings to average equity (ytd only) | 5.4302% | 2,863 |
| Net charge-offs to loans | 0.0036% | 2,329 |
| Credit loss provision to net charge-offs | 1,554.1667% | 313 |
| Earnings coverage of net charge-offs (x) | 1,000.6667% | 177 |
| Efficiency ratio | 39.3505% | 4,549 |
| Assets per employee ($millions) | 11.6938% | 426 |
| Cash dividends to net income (ytd only)* | 78.9850% | 452 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3129% | 1,837 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.5400% | 1,580 |
| Net loans and leases to deposits | 77.9365% | 1,957 |
| Net loans and leases to core deposits | 78.3820% | 2,250 |
| Total domestic deposits to total assets | 90.5200% | 1,143 |
| Equity capital to assets | 8.8146% | 2,476 |
| Core capital (leverage) ratio | 10.0790% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6053% | 1,763 |
| Memoranda: |
| Average total assets | $987,534,600 | 991 |
| Average earning assets | $953,536,400 | 944 |
| Average equity | $87,234,200 | 1,061 |
| Average total loans | $665,018,400 | 948 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6339% | 2,248 |
| Cost of funding earning assets | 0.0662% | 4,496 |
| Net interest margin | 3.5677% | 1,469 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.4866% | 4,431 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 2.2336% | 205 |
| Return on assets (ROA) | 2.1892% | 211 |
| Pretax return on assets | 2.2698% | 290 |
| Return on Equity (ROE) | 24.7700% | 192 |
| Retained earnings to average equity (ytd only) | 8.4192% | 1,846 |
| Net charge-offs to loans | 0.0036% | 2,085 |
| Credit loss provision to net charge-offs | 1,405.5556% | 321 |
| Earnings coverage of net charge-offs (x) | 971.1667% | 157 |
| Efficiency ratio | 38.7470% | 4,601 |
| Assets per employee ($millions) | 12.0386% | 381 |
| Cash dividends to net income (ytd only)* | 66.0096% | 708 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3018% | 2,018 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.2500% | 1,649 |
| Net loans and leases to deposits | 75.1822% | 1,950 |
| Net loans and leases to core deposits | 75.7247% | 2,215 |
| Total domestic deposits to total assets | 90.7800% | 1,324 |
| Equity capital to assets | 8.5737% | 2,497 |
| Core capital (leverage) ratio | 10.0916% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7202% | 1,802 |
| Memoranda: |
| Average total assets | $991,772,250 | 994 |
| Average earning assets | $958,057,000 | 948 |
| Average equity | $87,654,500 | 1,069 |
| Average total loans | $657,821,500 | 956 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4790% | 2,198 |
| Cost of funding earning assets | 0.0600% | 4,529 |
| Net interest margin | 3.4190% | 1,541 |
| Noninterest income to average assets | 0.3995% | 2,762 |
| Noninterest expense to average assets | 1.4713% | 4,454 |
| Loan and lease loss provision to assets | 0.0142% | 2,341 |
| Net operating income to assets | 2.1289% | 181 |
| Return on assets (ROA) | 2.0843% | 190 |
| Pretax return on assets | 2.1755% | 258 |
| Return on Equity (ROE) | 23.3478% | 153 |
| Retained earnings to average equity (ytd only) | 7.5025% | 1,813 |
| Net charge-offs to loans | 0.0034% | 1,929 |
| Credit loss provision to net charge-offs | 636.3636% | 545 |
| Earnings coverage of net charge-offs (x) | 1,005.5455% | 130 |
| Efficiency ratio | 39.6859% | 4,619 |
| Assets per employee ($millions) | 12.5569% | 321 |
| Cash dividends to net income (ytd only)* | 67.8661% | 871 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3065% | 2,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.3162% | 1,654 |
| Net loans and leases to deposits | 72.9753% | 1,959 |
| Net loans and leases to core deposits | 73.4227% | 2,212 |
| Total domestic deposits to total assets | 90.8748% | 1,288 |
| Equity capital to assets | 8.5795% | 2,702 |
| Core capital (leverage) ratio | 9.6566% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5700% | 1,838 |
| Memoranda: |
| Average total assets | $989,296,333 | 987 |
| Average earning assets | $957,184,333 | 951 |
| Average equity | $88,316,667 | 1,072 |
| Average total loans | $646,778,000 | 963 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4183% | 2,034 |
| Cost of funding earning assets | 0.0581% | 4,537 |
| Net interest margin | 3.3602% | 1,408 |
| Noninterest income to average assets | 0.4120% | 2,606 |
| Noninterest expense to average assets | 1.4661% | 4,465 |
| Loan and lease loss provision to assets | -0.0297% | 4,478 |
| Net operating income to assets | 2.1534% | 169 |
| Return on assets (ROA) | 2.0997% | 185 |
| Pretax return on assets | 2.1747% | 266 |
| Return on Equity (ROE) | 23.0606% | 124 |
| Retained earnings to average equity (ytd only) | 7.4064% | 1,763 |
| Net charge-offs to loans | 0.0032% | 1,671 |
| Credit loss provision to net charge-offs | -1,460.0000% | 3,321 |
| Earnings coverage of net charge-offs (x) | 1,080.0000% | 73 |
| Efficiency ratio | 39.9867% | 4,643 |
| Assets per employee ($millions) | 11.8863% | 408 |
| Cash dividends to net income (ytd only)* | 67.8828% | 898 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3815% | 1,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.0738% | 1,853 |
| Net loans and leases to deposits | 68.3824% | 2,111 |
| Net loans and leases to core deposits | 68.8308% | 2,384 |
| Total domestic deposits to total assets | 90.7745% | 1,150 |
| Equity capital to assets | 8.6870% | 2,987 |
| Core capital (leverage) ratio | 9.4985% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7480% | 1,899 |
| Memoranda: |
| Average total assets | $981,668,500 | 996 |
| Average earning assets | $950,774,000 | 962 |
| Average equity | $89,382,000 | 1,094 |
| Average total loans | $632,667,000 | 971 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4091% | 2,907 |
| Cost of funding earning assets | 0.0639% | 4,621 |
| Net interest margin | 3.3452% | 2,190 |
| Noninterest income to average assets | 0.4016% | 3,034 |
| Noninterest expense to average assets | 1.4706% | 4,570 |
| Loan and lease loss provision to assets | 0.0489% | 2,078 |
| Net operating income to assets | 2.0433% | 313 |
| Return on assets (ROA) | 2.0348% | 334 |
| Pretax return on assets | 2.1090% | 486 |
| Return on Equity (ROE) | 21.7895% | 228 |
| Retained earnings to average equity (ytd only) | 4.2582% | 3,108 |
| Net charge-offs to loans | 0.0052% | 2,399 |
| Credit loss provision to net charge-offs | 1,478.1250% | 392 |
| Earnings coverage of net charge-offs (x) | 654.9063% | 222 |
| Efficiency ratio | 40.4309% | 4,679 |
| Assets per employee ($millions) | 11.0907% | 490 |
| Cash dividends to net income (ytd only)* | 80.4573% | 496 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3755% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 65.0974% | 1,571 |
| Net loans and leases to deposits | 72.3435% | 1,879 |
| Net loans and leases to core deposits | 72.9451% | 2,173 |
| Total domestic deposits to total assets | 89.9837% | 969 |
| Equity capital to assets | 9.5378% | 3,112 |
| Core capital (leverage) ratio | 9.1811% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3648% | 2,090 |
| Memoranda: |
| Average total assets | $967,192,800 | 982 |
| Average earning assets | $935,584,400 | 958 |
| Average equity | $90,318,800 | 1,097 |
| Average total loans | $614,814,200 | 985 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3766% | 3,175 |
| Cost of funding earning assets | 0.0647% | 4,715 |
| Net interest margin | 3.3119% | 2,384 |
| Noninterest income to average assets | 0.3896% | 3,149 |
| Noninterest expense to average assets | 1.4398% | 4,651 |
| Loan and lease loss provision to assets | 0.0038% | 2,896 |
| Net operating income to assets | 2.0653% | 416 |
| Return on assets (ROA) | 2.0576% | 444 |
| Pretax return on assets | 2.1397% | 626 |
| Return on Equity (ROE) | 22.1521% | 291 |
| Retained earnings to average equity (ytd only) | 6.8585% | 2,474 |
| Net charge-offs to loans | 0.0044% | 2,185 |
| Credit loss provision to net charge-offs | 140.0000% | 1,391 |
| Earnings coverage of net charge-offs (x) | 780.8500% | 202 |
| Efficiency ratio | 40.0913% | 4,720 |
| Assets per employee ($millions) | 11.7404% | 400 |
| Cash dividends to net income (ytd only)* | 69.0392% | 603 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3401% | 2,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.0214% | 2,259 |
| Net loans and leases to deposits | 66.3966% | 2,593 |
| Net loans and leases to core deposits | 66.9379% | 2,863 |
| Total domestic deposits to total assets | 90.3983% | 602 |
| Equity capital to assets | 9.0435% | 3,787 |
| Core capital (leverage) ratio | 9.1137% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4970% | 2,168 |
| Memoranda: |
| Average total assets | $967,769,250 | 994 |
| Average earning assets | $935,600,000 | 970 |
| Average equity | $89,891,250 | 1,115 |
| Average total loans | $609,298,750 | 1,014 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4052% | 3,173 |
| Cost of funding earning assets | 0.0673% | 4,757 |
| Net interest margin | 3.3379% | 2,337 |
| Noninterest income to average assets | 0.3954% | 3,128 |
| Noninterest expense to average assets | 1.4482% | 4,676 |
| Loan and lease loss provision to assets | 0.0023% | 2,828 |
| Net operating income to assets | 2.0699% | 430 |
| Return on assets (ROA) | 2.0611% | 460 |
| Pretax return on assets | 2.1603% | 623 |
| Return on Equity (ROE) | 21.9818% | 318 |
| Retained earnings to average equity (ytd only) | 6.6738% | 2,554 |
| Net charge-offs to loans | 0.0030% | 2,081 |
| Credit loss provision to net charge-offs | 122.2222% | 1,249 |
| Earnings coverage of net charge-offs (x) | 1,146.1111% | 110 |
| Efficiency ratio | 40.0047% | 4,748 |
| Assets per employee ($millions) | 11.8079% | 373 |
| Cash dividends to net income (ytd only)* | 69.6394% | 698 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3686% | 2,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.4578% | 2,369 |
| Net loans and leases to deposits | 66.8813% | 2,737 |
| Net loans and leases to core deposits | 67.4808% | 3,001 |
| Total domestic deposits to total assets | 90.3956% | 602 |
| Equity capital to assets | 9.0933% | 3,716 |
| Core capital (leverage) ratio | 9.0345% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4122% | 2,202 |
| Memoranda: |
| Average total assets | $949,888,667 | 1,003 |
| Average earning assets | $917,652,667 | 981 |
| Average equity | $89,064,667 | 1,114 |
| Average total loans | $605,267,667 | 1,027 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4420% | 3,078 |
| Cost of funding earning assets | 0.0709% | 4,791 |
| Net interest margin | 3.3712% | 2,186 |
| Noninterest income to average assets | 0.4108% | 3,035 |
| Noninterest expense to average assets | 1.4779% | 4,673 |
| Loan and lease loss provision to assets | 0.0017% | 2,725 |
| Net operating income to assets | 2.1380% | 454 |
| Return on assets (ROA) | 2.1156% | 520 |
| Pretax return on assets | 2.1651% | 728 |
| Return on Equity (ROE) | 22.2055% | 378 |
| Retained earnings to average equity (ytd only) | 6.7977% | 2,638 |
| Net charge-offs to loans | 0.0033% | 1,807 |
| Credit loss provision to net charge-offs | 80.0000% | 1,208 |
| Earnings coverage of net charge-offs (x) | 1,017.0000% | 93 |
| Efficiency ratio | 40.2959% | 4,733 |
| Assets per employee ($millions) | 11.0265% | 445 |
| Cash dividends to net income (ytd only)* | 69.3873% | 728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3809% | 2,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 61.9223% | 2,296 |
| Net loans and leases to deposits | 69.0096% | 2,601 |
| Net loans and leases to core deposits | 69.6462% | 2,897 |
| Total domestic deposits to total assets | 89.7300% | 941 |
| Equity capital to assets | 9.2437% | 3,451 |
| Core capital (leverage) ratio | 9.4668% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5044% | 2,084 |
| Memoranda: |
| Average total assets | $928,902,000 | 1,012 |
| Average earning assets | $897,374,500 | 981 |
| Average equity | $88,500,500 | 1,109 |
| Average total loans | $603,912,000 | 1,022 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1694% | 2,231 |
| Cost of funding earning assets | 0.1342% | 4,777 |
| Net interest margin | 4.0352% | 907 |
| Noninterest income to average assets | 0.4584% | 2,827 |
| Noninterest expense to average assets | 1.7650% | 4,527 |
| Loan and lease loss provision to assets | 0.1106% | 2,963 |
| Net operating income to assets | 2.3858% | 153 |
| Return on assets (ROA) | 2.3936% | 163 |
| Pretax return on assets | 2.4722% | 197 |
| Return on Equity (ROE) | 22.3856% | 151 |
| Retained earnings to average equity (ytd only) | 5.2575% | 2,157 |
| Net charge-offs to loans | 0.0050% | 3,166 |
| Credit loss provision to net charge-offs | 3,037.9310% | 326 |
| Earnings coverage of net charge-offs (x) | 706.9310% | 169 |
| Efficiency ratio | 40.6697% | 4,855 |
| Assets per employee ($millions) | 10.2102% | 494 |
| Cash dividends to net income (ytd only)* | 76.5138% | 759 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3739% | 2,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.4623% | 2,022 |
| Net loans and leases to deposits | 74.5616% | 2,430 |
| Net loans and leases to core deposits | 75.3297% | 2,791 |
| Total domestic deposits to total assets | 89.1374% | 927 |
| Equity capital to assets | 9.8304% | 3,283 |
| Core capital (leverage) ratio | 9.7493% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2719% | 2,136 |
| Memoranda: |
| Average total assets | $796,210,400 | 1,060 |
| Average earning assets | $765,863,000 | 1,024 |
| Average equity | $85,135,200 | 1,095 |
| Average total loans | $579,363,600 | 1,011 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2789% | 2,165 |
| Cost of funding earning assets | 0.1523% | 4,795 |
| Net interest margin | 4.1266% | 850 |
| Noninterest income to average assets | 0.4694% | 2,743 |
| Noninterest expense to average assets | 1.8047% | 4,490 |
| Loan and lease loss provision to assets | 0.1121% | 2,919 |
| Net operating income to assets | 2.4314% | 156 |
| Return on assets (ROA) | 2.4435% | 162 |
| Pretax return on assets | 2.5300% | 199 |
| Return on Equity (ROE) | 22.3272% | 169 |
| Retained earnings to average equity (ytd only) | 7.7702% | 1,381 |
| Net charge-offs to loans | 0.0049% | 2,967 |
| Credit loss provision to net charge-offs | 3,085.7143% | 341 |
| Earnings coverage of net charge-offs (x) | 723.7619% | 169 |
| Efficiency ratio | 40.6984% | 4,878 |
| Assets per employee ($millions) | 9.7112% | 558 |
| Cash dividends to net income (ytd only)* | 65.1986% | 957 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3923% | 1,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 67.0774% | 2,376 |
| Net loans and leases to deposits | 76.2636% | 2,727 |
| Net loans and leases to core deposits | 77.0556% | 3,090 |
| Total domestic deposits to total assets | 87.9547% | 1,235 |
| Equity capital to assets | 10.2623% | 2,999 |
| Core capital (leverage) ratio | 9.9342% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6840% | 1,932 |
| Memoranda: |
| Average total assets | $770,638,250 | 1,076 |
| Average earning assets | $740,446,250 | 1,042 |
| Average equity | $84,337,500 | 1,096 |
| Average total loans | $572,834,000 | 1,016 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4571% | 2,046 |
| Cost of funding earning assets | 0.1741% | 4,823 |
| Net interest margin | 4.2830% | 782 |
| Noninterest income to average assets | 0.4963% | 2,589 |
| Noninterest expense to average assets | 1.9040% | 4,414 |
| Loan and lease loss provision to assets | 0.1729% | 2,283 |
| Net operating income to assets | 2.4345% | 155 |
| Return on assets (ROA) | 2.4531% | 164 |
| Pretax return on assets | 2.5541% | 196 |
| Return on Equity (ROE) | 21.8922% | 171 |
| Retained earnings to average equity (ytd only) | 6.7607% | 1,753 |
| Net charge-offs to loans | 0.0049% | 2,792 |
| Credit loss provision to net charge-offs | 4,585.7143% | 257 |
| Earnings coverage of net charge-offs (x) | 718.1429% | 136 |
| Efficiency ratio | 41.2871% | 4,878 |
| Assets per employee ($millions) | 9.6077% | 566 |
| Cash dividends to net income (ytd only)* | 69.1185% | 966 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4127% | 1,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.0646% | 2,619 |
| Net loans and leases to deposits | 74.8496% | 2,985 |
| Net loans and leases to core deposits | 75.5680% | 3,322 |
| Total domestic deposits to total assets | 88.2631% | 1,055 |
| Equity capital to assets | 10.0221% | 3,182 |
| Core capital (leverage) ratio | 10.7809% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5431% | 1,981 |
| Memoranda: |
| Average total assets | $742,656,333 | 1,089 |
| Average earning assets | $713,558,000 | 1,053 |
| Average equity | $83,216,667 | 1,102 |
| Average total loans | $570,003,000 | 1,005 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8027% | 1,412 |
| Cost of funding earning assets | 0.2457% | 4,784 |
| Net interest margin | 4.5570% | 441 |
| Noninterest income to average assets | 0.5612% | 2,225 |
| Noninterest expense to average assets | 2.1607% | 4,098 |
| Loan and lease loss provision to assets | 0.2774% | 1,122 |
| Net operating income to assets | 2.4238% | 122 |
| Return on assets (ROA) | 2.4503% | 125 |
| Pretax return on assets | 2.5167% | 157 |
| Return on Equity (ROE) | 20.5182% | 145 |
| Retained earnings to average equity (ytd only) | 3.9573% | 2,698 |
| Net charge-offs to loans | 0.0077% | 2,288 |
| Credit loss provision to net charge-offs | 4,327.2727% | 189 |
| Earnings coverage of net charge-offs (x) | 431.6364% | 152 |
| Efficiency ratio | 43.8505% | 4,883 |
| Assets per employee ($millions) | 7.4770% | 901 |
| Cash dividends to net income (ytd only)* | 80.7134% | 1,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3946% | 1,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 82.4265% | 402 |
| Net loans and leases to deposits | 94.5582% | 1,034 |
| Net loans and leases to core deposits | 95.7143% | 1,821 |
| Total domestic deposits to total assets | 87.1701% | 1,480 |
| Equity capital to assets | 12.2037% | 1,920 |
| Core capital (leverage) ratio | 11.7995% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6259% | 2,028 |
| Memoranda: |
| Average total assets | $686,441,500 | 1,134 |
| Average earning assets | $657,716,500 | 1,097 |
| Average equity | $81,976,000 | 1,112 |
| Average total loans | $568,502,500 | 983 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6660% | 2,422 |
| Cost of funding earning assets | 0.1916% | 4,978 |
| Net interest margin | 4.4744% | 753 |
| Noninterest income to average assets | 0.5251% | 2,601 |
| Noninterest expense to average assets | 1.9468% | 4,616 |
| Loan and lease loss provision to assets | 0.0791% | 2,412 |
| Net operating income to assets | 2.6981% | 104 |
| Return on assets (ROA) | 2.7097% | 108 |
| Pretax return on assets | 2.8080% | 125 |
| Return on Equity (ROE) | 24.7081% | 80 |
| Retained earnings to average equity (ytd only) | 5.6279% | 2,084 |
| Net charge-offs to loans | 0.0052% | 3,490 |
| Credit loss provision to net charge-offs | 2,025.0000% | 184 |
| Earnings coverage of net charge-offs (x) | 735.6786% | 139 |
| Efficiency ratio | 40.3740% | 5,061 |
| Assets per employee ($millions) | 7.6096% | 826 |
| Cash dividends to net income (ytd only)* | 77.2226% | 881 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3141% | 1,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.9805% | 667 |
| Net loans and leases to deposits | 96.2436% | 915 |
| Net loans and leases to core deposits | 97.8168% | 1,747 |
| Total domestic deposits to total assets | 84.1412% | 2,807 |
| Equity capital to assets | 11.6852% | 2,363 |
| Core capital (leverage) ratio | 11.0427% | 2,468 |
| Tier 1 risk-based capital ratio | 13.2410% | 3,655 |
| Total risk-based capital ratio | 14.4697% | 3,562 |
| Memoranda: |
| Average total assets | $716,459,800 | 1,045 |
| Average earning assets | $688,023,000 | 1,017 |
| Average equity | $78,573,400 | 1,109 |
| Average total loans | $542,911,600 | 994 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6099% | 2,692 |
| Cost of funding earning assets | 0.1796% | 5,074 |
| Net interest margin | 4.4303% | 883 |
| Noninterest income to average assets | 0.5033% | 2,710 |
| Noninterest expense to average assets | 1.8691% | 4,734 |
| Loan and lease loss provision to assets | 0.0489% | 2,918 |
| Net operating income to assets | 2.7341% | 114 |
| Return on assets (ROA) | 2.7518% | 117 |
| Pretax return on assets | 2.8604% | 137 |
| Return on Equity (ROE) | 25.4923% | 80 |
| Retained earnings to average equity (ytd only) | 9.0046% | 1,043 |
| Net charge-offs to loans | 0.0027% | 3,330 |
| Credit loss provision to net charge-offs | 2,409.0909% | 169 |
| Earnings coverage of net charge-offs (x) | 1,423.6408% | 56 |
| Efficiency ratio | 39.2680% | 5,142 |
| Assets per employee ($millions) | 8.2076% | 641 |
| Cash dividends to net income (ytd only)* | 64.6771% | 1,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2794% | 2,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.7179% | 1,356 |
| Net loans and leases to deposits | 87.0709% | 2,051 |
| Net loans and leases to core deposits | 88.3308% | 2,698 |
| Total domestic deposits to total assets | 88.1096% | 994 |
| Equity capital to assets | 11.2168% | 2,910 |
| Core capital (leverage) ratio | 10.8667% | 2,777 |
| Tier 1 risk-based capital ratio | 13.1834% | 3,745 |
| Total risk-based capital ratio | 14.3636% | 3,696 |
| Memoranda: |
| Average total assets | $722,456,750 | 1,045 |
| Average earning assets | $694,147,750 | 1,015 |
| Average equity | $77,987,500 | 1,110 |
| Average total loans | $536,581,000 | 1,006 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5513% | 2,841 |
| Cost of funding earning assets | 0.1560% | 5,152 |
| Net interest margin | 4.3953% | 949 |
| Noninterest income to average assets | 0.4883% | 2,742 |
| Noninterest expense to average assets | 1.8812% | 4,774 |
| Loan and lease loss provision to assets | 0.0047% | 3,632 |
| Net operating income to assets | 2.7036% | 119 |
| Return on assets (ROA) | 2.7241% | 121 |
| Pretax return on assets | 2.8509% | 147 |
| Return on Equity (ROE) | 25.5682% | 86 |
| Retained earnings to average equity (ytd only) | 9.3169% | 952 |
| Net charge-offs to loans | -0.0042% | 4,080 |
| Credit loss provision to net charge-offs | -154.5455% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8943% | 5,162 |
| Assets per employee ($millions) | 8.5578% | 546 |
| Cash dividends to net income (ytd only)* | 63.5606% | 1,299 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2989% | 2,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.9930% | 2,385 |
| Net loans and leases to deposits | 79.9832% | 2,958 |
| Net loans and leases to core deposits | 81.0833% | 3,334 |
| Total domestic deposits to total assets | 88.7598% | 761 |
| Equity capital to assets | 10.6559% | 3,376 |
| Core capital (leverage) ratio | 10.8931% | 2,701 |
| Tier 1 risk-based capital ratio | 13.4355% | 3,615 |
| Total risk-based capital ratio | 14.6255% | 3,546 |
| Memoranda: |
| Average total assets | $722,520,330 | 1,049 |
| Average earning assets | $694,878,000 | 1,019 |
| Average equity | $76,978,330 | 1,117 |
| Average total loans | $528,345,330 | 1,018 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5362% | 2,743 |
| Cost of funding earning assets | 0.1551% | 5,200 |
| Net interest margin | 4.3811% | 941 |
| Noninterest income to average assets | 0.4672% | 2,750 |
| Noninterest expense to average assets | 1.8940% | 4,807 |
| Loan and lease loss provision to assets | 0.0039% | 3,370 |
| Net operating income to assets | 2.6650% | 129 |
| Return on assets (ROA) | 2.6844% | 134 |
| Pretax return on assets | 2.7980% | 156 |
| Return on Equity (ROE) | 25.1981% | 97 |
| Retained earnings to average equity (ytd only) | 8.6914% | 1,422 |
| Net charge-offs to loans | 0.0084% | 2,391 |
| Credit loss provision to net charge-offs | 63.6364% | 1,892 |
| Earnings coverage of net charge-offs (x) | 449.8182% | 173 |
| Efficiency ratio | 40.5074% | 5,200 |
| Assets per employee ($millions) | 8.1279% | 642 |
| Cash dividends to net income (ytd only)* | 65.5079% | 1,217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3158% | 2,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.2938% | 1,751 |
| Net loans and leases to deposits | 83.9702% | 2,389 |
| Net loans and leases to core deposits | 85.1756% | 2,940 |
| Total domestic deposits to total assets | 88.4764% | 1,100 |
| Equity capital to assets | 10.9797% | 2,879 |
| Core capital (leverage) ratio | 10.8356% | 2,733 |
| Tier 1 risk-based capital ratio | 13.2914% | 3,723 |
| Total risk-based capital ratio | 14.4929% | 3,653 |
| Memoranda: |
| Average total assets | $711,517,500 | 1,065 |
| Average earning assets | $683,482,500 | 1,031 |
| Average equity | $75,799,500 | 1,128 |
| Average total loans | $524,759,500 | 1,029 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3938% | 2,785 |
| Cost of funding earning assets | 0.1194% | 5,245 |
| Net interest margin | 4.2743% | 1,212 |
| Noninterest income to average assets | 0.4669% | 3,016 |
| Noninterest expense to average assets | 1.8400% | 4,960 |
| Loan and lease loss provision to assets | 0.0708% | 2,721 |
| Net operating income to assets | 2.5736% | 131 |
| Return on assets (ROA) | 2.5736% | 130 |
| Pretax return on assets | 2.6668% | 155 |
| Return on Equity (ROE) | 25.4475% | 85 |
| Retained earnings to average equity (ytd only) | 6.5679% | 1,887 |
| Net charge-offs to loans | 0.0111% | 3,309 |
| Credit loss provision to net charge-offs | 898.2143% | 402 |
| Earnings coverage of net charge-offs (x) | 347.3036% | 298 |
| Efficiency ratio | 40.1956% | 5,278 |
| Assets per employee ($millions) | 8.5181% | 549 |
| Cash dividends to net income (ytd only)* | 74.1905% | 907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3240% | 1,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.3160% | 2,376 |
| Net loans and leases to deposits | 79.9678% | 2,958 |
| Net loans and leases to core deposits | 81.3563% | 3,320 |
| Total domestic deposits to total assets | 89.1809% | 786 |
| Equity capital to assets | 10.3380% | 3,336 |
| Core capital (leverage) ratio | 10.3271% | 3,224 |
| Tier 1 risk-based capital ratio | 13.1579% | 3,756 |
| Total risk-based capital ratio | 14.3741% | 3,661 |
| Memoranda: |
| Average total assets | $710,450,800 | 1,050 |
| Average earning assets | $683,241,800 | 1,011 |
| Average equity | $71,849,800 | 1,137 |
| Average total loans | $505,684,400 | 1,038 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2993% | 2,964 |
| Cost of funding earning assets | 0.1135% | 5,318 |
| Net interest margin | 4.1858% | 1,393 |
| Noninterest income to average assets | 0.4535% | 3,142 |
| Noninterest expense to average assets | 1.8223% | 5,015 |
| Loan and lease loss provision to assets | 0.0494% | 3,003 |
| Net operating income to assets | 2.5069% | 162 |
| Return on assets (ROA) | 2.5069% | 162 |
| Pretax return on assets | 2.6085% | 193 |
| Return on Equity (ROE) | 24.9297% | 88 |
| Retained earnings to average equity (ytd only) | 8.8137% | 1,297 |
| Net charge-offs to loans | 0.0114% | 3,006 |
| Credit loss provision to net charge-offs | 609.3023% | 585 |
| Earnings coverage of net charge-offs (x) | 327.8015% | 288 |
| Efficiency ratio | 40.6751% | 5,314 |
| Assets per employee ($millions) | 8.5507% | 522 |
| Cash dividends to net income (ytd only)* | 64.6457% | 1,024 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2990% | 2,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.0455% | 2,639 |
| Net loans and leases to deposits | 78.5312% | 3,187 |
| Net loans and leases to core deposits | 79.9004% | 3,499 |
| Total domestic deposits to total assets | 89.1944% | 777 |
| Equity capital to assets | 10.2371% | 3,411 |
| Core capital (leverage) ratio | 10.2820% | 3,316 |
| Tier 1 risk-based capital ratio | 13.2848% | 3,733 |
| Total risk-based capital ratio | 14.4732% | 3,689 |
| Memoranda: |
| Average total assets | $707,054,750 | 1,049 |
| Average earning assets | $680,184,250 | 1,013 |
| Average equity | $71,099,500 | 1,147 |
| Average total loans | $501,285,250 | 1,043 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2141% | 3,072 |
| Cost of funding earning assets | 0.1096% | 5,379 |
| Net interest margin | 4.1045% | 1,542 |
| Noninterest income to average assets | 0.4426% | 3,203 |
| Noninterest expense to average assets | 1.8319% | 5,059 |
| Loan and lease loss provision to assets | 0.0702% | 2,479 |
| Net operating income to assets | 2.3687% | 181 |
| Return on assets (ROA) | 2.3687% | 177 |
| Pretax return on assets | 2.4875% | 229 |
| Return on Equity (ROE) | 23.7035% | 115 |
| Retained earnings to average equity (ytd only) | 7.8259% | 1,695 |
| Net charge-offs to loans | 0.0133% | 2,691 |
| Credit loss provision to net charge-offs | 745.4545% | 536 |
| Earnings coverage of net charge-offs (x) | 271.4545% | 330 |
| Efficiency ratio | 41.7328% | 5,358 |
| Assets per employee ($millions) | 8.4594% | 527 |
| Cash dividends to net income (ytd only)* | 66.9841% | 1,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3029% | 2,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 70.5212% | 2,499 |
| Net loans and leases to deposits | 78.9062% | 3,062 |
| Net loans and leases to core deposits | 80.9421% | 3,326 |
| Total domestic deposits to total assets | 89.3735% | 779 |
| Equity capital to assets | 10.0965% | 3,540 |
| Core capital (leverage) ratio | 10.5711% | 2,957 |
| Tier 1 risk-based capital ratio | 12.8506% | 3,985 |
| Total risk-based capital ratio | 14.0295% | 3,924 |
| Memoranda: |
| Average total assets | $700,470,330 | 1,061 |
| Average earning assets | $673,597,000 | 1,029 |
| Average equity | $69,998,000 | 1,159 |
| Average total loans | $496,448,330 | 1,058 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1352% | 3,107 |
| Cost of funding earning assets | 0.1066% | 5,447 |
| Net interest margin | 4.0285% | 1,623 |
| Noninterest income to average assets | 0.4254% | 3,277 |
| Noninterest expense to average assets | 1.8317% | 5,121 |
| Loan and lease loss provision to assets | 0.0602% | 2,564 |
| Net operating income to assets | 2.3022% | 204 |
| Return on assets (ROA) | 2.3022% | 204 |
| Pretax return on assets | 2.4040% | 262 |
| Return on Equity (ROE) | 23.1624% | 125 |
| Retained earnings to average equity (ytd only) | 7.0978% | 2,237 |
| Net charge-offs to loans | 0.0074% | 2,480 |
| Credit loss provision to net charge-offs | 1,155.5556% | 307 |
| Earnings coverage of net charge-offs (x) | 473.1111% | 132 |
| Efficiency ratio | 42.6377% | 5,384 |
| Assets per employee ($millions) | 8.1388% | 596 |
| Cash dividends to net income (ytd only)* | 69.3565% | 1,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3181% | 2,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.0140% | 2,168 |
| Net loans and leases to deposits | 80.6957% | 2,731 |
| Net loans and leases to core deposits | 82.4979% | 3,105 |
| Total domestic deposits to total assets | 89.2414% | 991 |
| Equity capital to assets | 10.2616% | 3,322 |
| Core capital (leverage) ratio | 10.0078% | 3,530 |
| Tier 1 risk-based capital ratio | 12.8811% | 4,015 |
| Total risk-based capital ratio | 14.0832% | 3,932 |
| Memoranda: |
| Average total assets | $691,179,000 | 1,080 |
| Average earning assets | $664,062,000 | 1,050 |
| Average equity | $68,697,500 | 1,184 |
| Average total loans | $487,783,000 | 1,078 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0532% | 3,234 |
| Cost of funding earning assets | 0.1053% | 5,477 |
| Net interest margin | 3.9479% | 1,923 |
| Noninterest income to average assets | 0.5030% | 2,979 |
| Noninterest expense to average assets | 1.8531% | 5,189 |
| Loan and lease loss provision to assets | 0.0883% | 2,422 |
| Net operating income to assets | 2.2786% | 168 |
| Return on assets (ROA) | 2.2786% | 169 |
| Pretax return on assets | 2.3539% | 238 |
| Return on Equity (ROE) | 23.5062% | 87 |
| Retained earnings to average equity (ytd only) | 4.6909% | 2,328 |
| Net charge-offs to loans | 0.0069% | 3,828 |
| Credit loss provision to net charge-offs | 1,868.7500% | 205 |
| Earnings coverage of net charge-offs (x) | 516.9375% | 168 |
| Efficiency ratio | 43.1429% | 5,475 |
| Assets per employee ($millions) | 8.1245% | 613 |
| Cash dividends to net income (ytd only)* | 80.0441% | 843 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3597% | 1,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.2935% | 2,915 |
| Net loans and leases to deposits | 74.8232% | 3,443 |
| Net loans and leases to core deposits | 76.4963% | 3,703 |
| Total domestic deposits to total assets | 89.9368% | 593 |
| Equity capital to assets | 9.6237% | 4,118 |
| Core capital (leverage) ratio | 9.4994% | 4,053 |
| Tier 1 risk-based capital ratio | 12.9366% | 3,940 |
| Total risk-based capital ratio | 14.1825% | 3,851 |
| Memoranda: |
| Average total assets | $677,347,400 | 1,075 |
| Average earning assets | $650,643,200 | 1,035 |
| Average equity | $65,659,400 | 1,214 |
| Average total loans | $463,588,400 | 1,097 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0085% | 3,326 |
| Cost of funding earning assets | 0.1062% | 5,536 |
| Net interest margin | 3.9023% | 2,036 |
| Noninterest income to average assets | 0.5091% | 2,973 |
| Noninterest expense to average assets | 1.8396% | 5,218 |
| Loan and lease loss provision to assets | 0.0750% | 2,572 |
| Net operating income to assets | 2.2719% | 186 |
| Return on assets (ROA) | 2.2719% | 184 |
| Pretax return on assets | 2.3422% | 280 |
| Return on Equity (ROE) | 23.3936% | 96 |
| Retained earnings to average equity (ytd only) | 6.6640% | 1,866 |
| Net charge-offs to loans | 0.0055% | 3,536 |
| Credit loss provision to net charge-offs | 1,989.4737% | 205 |
| Earnings coverage of net charge-offs (x) | 641.2787% | 160 |
| Efficiency ratio | 43.2160% | 5,509 |
| Assets per employee ($millions) | 8.2434% | 579 |
| Cash dividends to net income (ytd only)* | 71.5134% | 907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3205% | 2,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 68.5245% | 2,767 |
| Net loans and leases to deposits | 76.5015% | 3,322 |
| Net loans and leases to core deposits | 78.2457% | 3,609 |
| Total domestic deposits to total assets | 89.5727% | 632 |
| Equity capital to assets | 9.8811% | 4,048 |
| Core capital (leverage) ratio | 9.7866% | 3,836 |
| Tier 1 risk-based capital ratio | 12.8894% | 4,089 |
| Total risk-based capital ratio | 14.0875% | 4,023 |
| Memoranda: |
| Average total assets | $672,008,500 | 1,092 |
| Average earning assets | $645,376,500 | 1,048 |
| Average equity | $65,264,000 | 1,228 |
| Average total loans | $460,319,750 | 1,109 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9382% | 3,414 |
| Cost of funding earning assets | 0.1064% | 5,576 |
| Net interest margin | 3.8318% | 2,168 |
| Noninterest income to average assets | 0.5153% | 2,925 |
| Noninterest expense to average assets | 1.8487% | 5,258 |
| Loan and lease loss provision to assets | 0.0964% | 2,071 |
| Net operating income to assets | 2.1861% | 218 |
| Return on assets (ROA) | 2.1861% | 222 |
| Pretax return on assets | 2.2469% | 324 |
| Return on Equity (ROE) | 22.6447% | 116 |
| Retained earnings to average equity (ytd only) | 5.7286% | 2,276 |
| Net charge-offs to loans | 0.0048% | 3,302 |
| Credit loss provision to net charge-offs | 2,927.2727% | 149 |
| Earnings coverage of net charge-offs (x) | 711.4545% | 110 |
| Efficiency ratio | 44.1000% | 5,524 |
| Assets per employee ($millions) | 8.1066% | 595 |
| Cash dividends to net income (ytd only)* | 74.7021% | 987 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3341% | 2,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.8231% | 2,985 |
| Net loans and leases to deposits | 74.3486% | 3,511 |
| Net loans and leases to core deposits | 76.0400% | 3,771 |
| Total domestic deposits to total assets | 89.8781% | 576 |
| Equity capital to assets | 9.6089% | 4,304 |
| Core capital (leverage) ratio | 9.7830% | 3,799 |
| Tier 1 risk-based capital ratio | 12.7649% | 4,144 |
| Total risk-based capital ratio | 13.9677% | 4,083 |
| Memoranda: |
| Average total assets | $667,943,000 | 1,101 |
| Average earning assets | $640,901,330 | 1,058 |
| Average equity | $64,483,000 | 1,237 |
| Average total loans | $455,385,670 | 1,117 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9371% | 3,256 |
| Cost of funding earning assets | 0.1068% | 5,630 |
| Net interest margin | 3.8303% | 2,017 |
| Noninterest income to average assets | 0.5659% | 2,576 |
| Noninterest expense to average assets | 1.8972% | 5,247 |
| Loan and lease loss provision to assets | 0.1917% | 874 |
| Net operating income to assets | 2.0761% | 271 |
| Return on assets (ROA) | 2.0761% | 279 |
| Pretax return on assets | 2.1436% | 391 |
| Return on Equity (ROE) | 21.4527% | 172 |
| Retained earnings to average equity (ytd only) | 4.3069% | 3,271 |
| Net charge-offs to loans | 0.0062% | 2,759 |
| Credit loss provision to net charge-offs | 4,500.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 548.2857% | 102 |
| Efficiency ratio | 44.8246% | 5,571 |
| Assets per employee ($millions) | 8.1630% | 574 |
| Cash dividends to net income (ytd only)* | 79.9238% | 979 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3652% | 2,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.3581% | 2,921 |
| Net loans and leases to deposits | 73.9349% | 3,413 |
| Net loans and leases to core deposits | 75.6724% | 3,685 |
| Total domestic deposits to total assets | 89.7520% | 774 |
| Equity capital to assets | 9.5889% | 4,195 |
| Core capital (leverage) ratio | 9.7108% | 3,863 |
| Tier 1 risk-based capital ratio | 12.9354% | 4,119 |
| Total risk-based capital ratio | 14.1757% | 4,020 |
| Memoranda: |
| Average total assets | $657,384,000 | 1,114 |
| Average earning assets | $629,302,500 | 1,077 |
| Average equity | $63,619,000 | 1,250 |
| Average total loans | $449,739,500 | 1,129 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8869% | 3,619 |
| Cost of funding earning assets | 0.0999% | 5,704 |
| Net interest margin | 3.7870% | 2,362 |
| Noninterest income to average assets | 0.9590% | 1,241 |
| Noninterest expense to average assets | 2.1408% | 4,914 |
| Loan and lease loss provision to assets | 0.0044% | 4,265 |
| Net operating income to assets | 2.3592% | 180 |
| Return on assets (ROA) | 2.3592% | 186 |
| Pretax return on assets | 2.4391% | 219 |
| Return on Equity (ROE) | 24.8635% | 78 |
| Retained earnings to average equity (ytd only) | 5.0026% | 2,347 |
| Net charge-offs to loans | 0.0067% | 4,029 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 559.4286% | 150 |
| Efficiency ratio | 46.6993% | 5,621 |
| Assets per employee ($millions) | 7.7712% | 661 |
| Cash dividends to net income (ytd only)* | 79.8797% | 910 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3332% | 2,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.6941% | 2,667 |
| Net loans and leases to deposits | 76.5250% | 3,260 |
| Net loans and leases to core deposits | 79.0076% | 3,479 |
| Total domestic deposits to total assets | 89.7669% | 740 |
| Equity capital to assets | 9.7719% | 3,980 |
| Core capital (leverage) ratio | 9.5524% | 4,021 |
| Tier 1 risk-based capital ratio | 12.5447% | 4,358 |
| Total risk-based capital ratio | 13.7374% | 4,272 |
| Memoranda: |
| Average total assets | $641,056,000 | 1,101 |
| Average earning assets | $613,673,200 | 1,063 |
| Average equity | $60,828,000 | 1,277 |
| Average total loans | $420,560,600 | 1,159 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8219% | 3,865 |
| Cost of funding earning assets | 0.0980% | 5,779 |
| Net interest margin | 3.7239% | 2,624 |
| Noninterest income to average assets | 0.4990% | 3,256 |
| Noninterest expense to average assets | 1.8728% | 5,424 |
| Loan and lease loss provision to assets | 0.0035% | 4,150 |
| Net operating income to assets | 2.1044% | 292 |
| Return on assets (ROA) | 2.1044% | 303 |
| Pretax return on assets | 2.1912% | 397 |
| Return on Equity (ROE) | 22.3431% | 154 |
| Retained earnings to average equity (ytd only) | 4.3284% | 3,241 |
| Net charge-offs to loans | 0.0064% | 3,686 |
| Credit loss provision to net charge-offs | 85.0000% | 2,606 |
| Earnings coverage of net charge-offs (x) | 528.3206% | 171 |
| Efficiency ratio | 46.0431% | 5,665 |
| Assets per employee ($millions) | 7.8475% | 624 |
| Cash dividends to net income (ytd only)* | 80.6276% | 720 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3513% | 2,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 66.2626% | 3,080 |
| Net loans and leases to deposits | 73.4421% | 3,647 |
| Net loans and leases to core deposits | 75.7744% | 3,865 |
| Total domestic deposits to total assets | 90.2242% | 398 |
| Equity capital to assets | 9.4612% | 4,700 |
| Core capital (leverage) ratio | 9.3422% | 4,401 |
| Tier 1 risk-based capital ratio | 12.5190% | 4,461 |
| Total risk-based capital ratio | 13.7295% | 4,387 |
| Memoranda: |
| Average total assets | $642,010,500 | 1,105 |
| Average earning assets | $615,218,750 | 1,060 |
| Average equity | $60,467,500 | 1,292 |
| Average total loans | $414,785,750 | 1,174 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7758% | 4,036 |
| Cost of funding earning assets | 0.0967% | 5,866 |
| Net interest margin | 3.6791% | 2,788 |
| Noninterest income to average assets | 0.4921% | 3,247 |
| Noninterest expense to average assets | 1.8817% | 5,486 |
| Loan and lease loss provision to assets | 0.0031% | 3,975 |
| Net operating income to assets | 2.0301% | 313 |
| Return on assets (ROA) | 2.0301% | 331 |
| Pretax return on assets | 2.1327% | 437 |
| Return on Equity (ROE) | 21.5873% | 172 |
| Retained earnings to average equity (ytd only) | 3.4553% | 3,694 |
| Net charge-offs to loans | 0.0054% | 3,511 |
| Credit loss provision to net charge-offs | 90.9091% | 2,226 |
| Earnings coverage of net charge-offs (x) | 620.2727% | 100 |
| Efficiency ratio | 46.8365% | 5,719 |
| Assets per employee ($millions) | 7.7600% | 629 |
| Cash dividends to net income (ytd only)* | 83.9938% | 813 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4147% | 2,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 63.2256% | 3,470 |
| Net loans and leases to deposits | 69.9371% | 3,989 |
| Net loans and leases to core deposits | 72.0558% | 4,174 |
| Total domestic deposits to total assets | 90.4035% | 350 |
| Equity capital to assets | 9.3251% | 4,945 |
| Core capital (leverage) ratio | 9.3152% | 4,442 |
| Tier 1 risk-based capital ratio | 12.8048% | 4,310 |
| Total risk-based capital ratio | 14.0577% | 4,223 |
| Memoranda: |
| Average total assets | $638,900,000 | 1,111 |
| Average earning assets | $612,211,670 | 1,066 |
| Average equity | $60,081,670 | 1,295 |
| Average total loans | $407,211,670 | 1,191 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7570% | 4,113 |
| Cost of funding earning assets | 0.0931% | 5,940 |
| Net interest margin | 3.6639% | 2,831 |
| Noninterest income to average assets | 0.4876% | 3,211 |
| Noninterest expense to average assets | 1.8791% | 5,554 |
| Loan and lease loss provision to assets | 0.0025% | 3,641 |
| Net operating income to assets | 2.0309% | 314 |
| Return on assets (ROA) | 2.0309% | 328 |
| Pretax return on assets | 2.1169% | 447 |
| Return on Equity (ROE) | 21.5034% | 179 |
| Retained earnings to average equity (ytd only) | 3.2680% | 3,861 |
| Net charge-offs to loans | 0.0050% | 2,942 |
| Credit loss provision to net charge-offs | 80.0000% | 1,835 |
| Earnings coverage of net charge-offs (x) | 670.2000% | 72 |
| Efficiency ratio | 46.9946% | 5,769 |
| Assets per employee ($millions) | 7.8046% | 611 |
| Cash dividends to net income (ytd only)* | 84.8022% | 916 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4436% | 2,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 61.5874% | 3,585 |
| Net loans and leases to deposits | 67.9447% | 4,063 |
| Net loans and leases to core deposits | 69.8795% | 4,250 |
| Total domestic deposits to total assets | 90.6434% | 383 |
| Equity capital to assets | 9.1650% | 5,028 |
| Core capital (leverage) ratio | 9.5666% | 4,082 |
| Tier 1 risk-based capital ratio | 12.8891% | 4,329 |
| Total risk-based capital ratio | 14.1403% | 4,249 |
| Memoranda: |
| Average total assets | $632,429,000 | 1,120 |
| Average earning assets | $606,017,000 | 1,071 |
| Average equity | $59,730,000 | 1,301 |
| Average total loans | $401,795,000 | 1,198 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1113% | 2,872 |
| Cost of funding earning assets | 0.1057% | 5,938 |
| Net interest margin | 4.0056% | 1,696 |
| Noninterest income to average assets | 0.5638% | 2,939 |
| Noninterest expense to average assets | 2.1059% | 5,244 |
| Loan and lease loss provision to assets | -0.0821% | 5,818 |
| Net operating income to assets | 2.3099% | 200 |
| Return on assets (ROA) | 2.3099% | 208 |
| Pretax return on assets | 2.3804% | 254 |
| Return on Equity (ROE) | 22.2306% | 161 |
| Retained earnings to average equity (ytd only) | 3.4149% | 3,626 |
| Net charge-offs to loans | 0.0070% | 4,203 |
| Credit loss provision to net charge-offs | -1,722.2222% | 5,626 |
| Earnings coverage of net charge-offs (x) | 482.1852% | 137 |
| Efficiency ratio | 47.8155% | 5,851 |
| Assets per employee ($millions) | 7.4301% | 726 |
| Cash dividends to net income (ytd only)* | 84.6389% | 747 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5016% | 1,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.6830% | 3,325 |
| Net loans and leases to deposits | 70.6856% | 3,839 |
| Net loans and leases to core deposits | 72.7190% | 4,069 |
| Total domestic deposits to total assets | 90.0934% | 595 |
| Equity capital to assets | 9.7453% | 4,243 |
| Core capital (leverage) ratio | 9.4662% | 4,228 |
| Tier 1 risk-based capital ratio | 13.4350% | 4,038 |
| Total risk-based capital ratio | 14.6861% | 3,982 |
| Memoranda: |
| Average total assets | $566,463,800 | 1,209 |
| Average earning assets | $543,087,400 | 1,163 |
| Average equity | $58,860,400 | 1,280 |
| Average total loans | $388,474,000 | 1,191 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1765% | 2,656 |
| Cost of funding earning assets | 0.1066% | 6,034 |
| Net interest margin | 4.0699% | 1,490 |
| Noninterest income to average assets | 0.5686% | 2,926 |
| Noninterest expense to average assets | 2.0948% | 5,283 |
| Loan and lease loss provision to assets | -0.1140% | 6,021 |
| Net operating income to assets | 2.4278% | 178 |
| Return on assets (ROA) | 2.4278% | 183 |
| Pretax return on assets | 2.4914% | 240 |
| Return on Equity (ROE) | 22.9739% | 163 |
| Retained earnings to average equity (ytd only) | 5.7344% | 2,414 |
| Net charge-offs to loans | 0.0069% | 3,931 |
| Credit loss provision to net charge-offs | -2,375.0000% | 5,618 |
| Earnings coverage of net charge-offs (x) | 495.4256% | 146 |
| Efficiency ratio | 46.8405% | 5,928 |
| Assets per employee ($millions) | 7.7249% | 613 |
| Cash dividends to net income (ytd only)* | 75.0395% | 856 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5360% | 2,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.8282% | 3,902 |
| Net loans and leases to deposits | 66.3043% | 4,360 |
| Net loans and leases to core deposits | 68.1851% | 4,527 |
| Total domestic deposits to total assets | 90.2328% | 490 |
| Equity capital to assets | 9.5027% | 4,747 |
| Core capital (leverage) ratio | 9.8484% | 3,838 |
| Tier 1 risk-based capital ratio | 14.0098% | 3,840 |
| Total risk-based capital ratio | 15.2620% | 3,785 |
| Memoranda: |
| Average total assets | $555,762,500 | 1,233 |
| Average earning assets | $533,067,500 | 1,189 |
| Average equity | $58,731,750 | 1,291 |
| Average total loans | $387,113,500 | 1,191 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3930% | 1,872 |
| Cost of funding earning assets | 0.1088% | 6,096 |
| Net interest margin | 4.2841% | 950 |
| Noninterest income to average assets | 0.6198% | 2,629 |
| Noninterest expense to average assets | 2.2055% | 5,104 |
| Loan and lease loss provision to assets | 0.0060% | 3,977 |
| Net operating income to assets | 2.4376% | 185 |
| Return on assets (ROA) | 2.4376% | 192 |
| Pretax return on assets | 2.5089% | 248 |
| Return on Equity (ROE) | 22.1755% | 188 |
| Retained earnings to average equity (ytd only) | 4.7902% | 2,996 |
| Net charge-offs to loans | 0.0067% | 3,665 |
| Credit loss provision to net charge-offs | 123.0769% | 1,765 |
| Earnings coverage of net charge-offs (x) | 512.5385% | 129 |
| Efficiency ratio | 46.7216% | 6,013 |
| Assets per employee ($millions) | 6.8144% | 916 |
| Cash dividends to net income (ytd only)* | 78.3989% | 960 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7038% | 1,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 63.1012% | 3,400 |
| Net loans and leases to deposits | 70.3473% | 3,891 |
| Net loans and leases to core deposits | 72.0833% | 4,125 |
| Total domestic deposits to total assets | 89.6995% | 787 |
| Equity capital to assets | 10.0577% | 3,973 |
| Core capital (leverage) ratio | 10.8515% | 2,566 |
| Tier 1 risk-based capital ratio | 14.3773% | 3,708 |
| Total risk-based capital ratio | 15.6313% | 3,625 |
| Memoranda: |
| Average total assets | $529,868,670 | 1,294 |
| Average earning assets | $507,176,000 | 1,245 |
| Average equity | $58,244,330 | 1,308 |
| Average total loans | $387,854,670 | 1,189 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5284% | 1,383 |
| Cost of funding earning assets | 0.1169% | 6,130 |
| Net interest margin | 4.4115% | 715 |
| Noninterest income to average assets | 0.6138% | 2,583 |
| Noninterest expense to average assets | 2.3357% | 4,784 |
| Loan and lease loss provision to assets | 0.0024% | 3,682 |
| Net operating income to assets | 2.4010% | 178 |
| Return on assets (ROA) | 2.4010% | 188 |
| Pretax return on assets | 2.4879% | 247 |
| Return on Equity (ROE) | 20.8099% | 237 |
| Retained earnings to average equity (ytd only) | 3.3232% | 3,987 |
| Net charge-offs to loans | 0.0030% | 3,217 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 1,041.3333% | 38 |
| Efficiency ratio | 48.3978% | 5,999 |
| Assets per employee ($millions) | 6.0496% | 1,371 |
| Cash dividends to net income (ytd only)* | 84.0305% | 907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5979% | 2,062 |
| Loan loss allowance to noncurrent loans | 1,651.2887% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 5,642 |
| Noncurrent loans to loans | 0.0968% | 5,408 |
| Net loans and leases to total assets | 76.7318% | 1,094 |
| Net loans and leases to deposits | 86.7454% | 1,747 |
| Net loans and leases to core deposits | 89.1678% | 2,212 |
| Total domestic deposits to total assets | 88.4563% | 1,565 |
| Equity capital to assets | 11.3165% | 2,626 |
| Core capital (leverage) ratio | 11.3552% | 2,115 |
| Tier 1 risk-based capital ratio | 13.3270% | 4,415 |
| Total risk-based capital ratio | 14.5814% | 4,324 |
| Memoranda: |
| Average total assets | $501,782,500 | 1,355 |
| Average earning assets | $479,111,500 | 1,319 |
| Average equity | $57,895,500 | 1,318 |
| Average total loans | $393,677,500 | 1,164 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7175% | 1,259 |
| Cost of funding earning assets | 0.1236% | 6,228 |
| Net interest margin | 4.5938% | 621 |
| Noninterest income to average assets | 0.7449% | 2,102 |
| Noninterest expense to average assets | 2.4832% | 4,601 |
| Loan and lease loss provision to assets | 0.0048% | 4,517 |
| Net operating income to assets | 2.5573% | 131 |
| Return on assets (ROA) | 2.5575% | 131 |
| Pretax return on assets | 2.6506% | 155 |
| Return on Equity (ROE) | 21.3965% | 192 |
| Retained earnings to average equity (ytd only) | 2.2214% | 4,666 |
| Net charge-offs to loans | 0.0119% | 4,660 |
| Credit loss provision to net charge-offs | 51.1111% | 3,458 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 193 |
| Efficiency ratio | 48.3264% | 6,173 |
| Assets per employee ($millions) | 5.7571% | 1,552 |
| Cash dividends to net income (ytd only)* | 89.6179% | 597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6582% | 1,905 |
| Loan loss allowance to noncurrent loans | 1,651.2887% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 5,712 |
| Noncurrent loans to loans | 0.1004% | 5,493 |
| Net loans and leases to total assets | 77.6489% | 1,051 |
| Net loans and leases to deposits | 88.1996% | 1,712 |
| Net loans and leases to core deposits | 91.0853% | 2,181 |
| Total domestic deposits to total assets | 88.0377% | 1,752 |
| Equity capital to assets | 11.7706% | 2,195 |
| Core capital (leverage) ratio | 11.6490% | 1,865 |
| Tier 1 risk-based capital ratio | 13.7940% | 4,239 |
| Total risk-based capital ratio | 15.0477% | 4,172 |
| Memoranda: |
| Average total assets | $477,927,800 | 1,399 |
| Average earning assets | $457,089,400 | 1,343 |
| Average equity | $57,126,200 | 1,282 |
| Average total loans | $378,404,000 | 1,167 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7383% | 1,214 |
| Cost of funding earning assets | 0.1244% | 6,315 |
| Net interest margin | 4.6139% | 601 |
| Noninterest income to average assets | 0.7797% | 1,968 |
| Noninterest expense to average assets | 2.4908% | 4,560 |
| Loan and lease loss provision to assets | 0.0059% | 4,300 |
| Net operating income to assets | 2.6022% | 124 |
| Return on assets (ROA) | 2.6025% | 126 |
| Pretax return on assets | 2.6971% | 158 |
| Return on Equity (ROE) | 21.6877% | 202 |
| Retained earnings to average equity (ytd only) | 4.0111% | 3,795 |
| Net charge-offs to loans | 0.0110% | 4,351 |
| Credit loss provision to net charge-offs | 67.7419% | 2,807 |
| Earnings coverage of net charge-offs (x) | 310.6625% | 227 |
| Efficiency ratio | 47.9600% | 6,203 |
| Assets per employee ($millions) | 5.8456% | 1,452 |
| Cash dividends to net income (ytd only)* | 81.5054% | 707 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7128% | 1,926 |
| Loan loss allowance to noncurrent loans | 1,637.5000% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 5,844 |
| Noncurrent loans to loans | 0.1046% | 5,622 |
| Net loans and leases to total assets | 75.0171% | 1,361 |
| Net loans and leases to deposits | 85.3657% | 1,986 |
| Net loans and leases to core deposits | 88.1236% | 2,413 |
| Total domestic deposits to total assets | 87.8772% | 1,827 |
| Equity capital to assets | 11.8110% | 2,214 |
| Core capital (leverage) ratio | 11.6817% | 1,918 |
| Tier 1 risk-based capital ratio | 14.3154% | 4,017 |
| Total risk-based capital ratio | 15.5696% | 3,938 |
| Memoranda: |
| Average total assets | $475,071,500 | 1,417 |
| Average earning assets | $454,468,250 | 1,362 |
| Average equity | $57,007,750 | 1,292 |
| Average total loans | $376,409,000 | 1,185 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7360% | 1,210 |
| Cost of funding earning assets | 0.1232% | 6,397 |
| Net interest margin | 4.6128% | 571 |
| Noninterest income to average assets | 0.7753% | 1,936 |
| Noninterest expense to average assets | 2.5780% | 4,320 |
| Loan and lease loss provision to assets | 0.0060% | 4,116 |
| Net operating income to assets | 2.5150% | 137 |
| Return on assets (ROA) | 2.5154% | 141 |
| Pretax return on assets | 2.6069% | 176 |
| Return on Equity (ROE) | 20.8473% | 249 |
| Retained earnings to average equity (ytd only) | 3.0911% | 4,233 |
| Net charge-offs to loans | 0.0096% | 4,082 |
| Credit loss provision to net charge-offs | 77.7778% | 2,360 |
| Earnings coverage of net charge-offs (x) | 340.8889% | 201 |
| Efficiency ratio | 49.6678% | 6,188 |
| Assets per employee ($millions) | 5.9489% | 1,308 |
| Cash dividends to net income (ytd only)* | 85.1726% | 787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6845% | 2,171 |
| Loan loss allowance to noncurrent loans | 1,639.0306% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 5,930 |
| Noncurrent loans to loans | 0.1028% | 5,707 |
| Net loans and leases to total assets | 77.8226% | 931 |
| Net loans and leases to deposits | 88.5705% | 1,526 |
| Net loans and leases to core deposits | 91.5392% | 1,969 |
| Total domestic deposits to total assets | 87.8651% | 1,990 |
| Equity capital to assets | 11.8811% | 2,076 |
| Core capital (leverage) ratio | 11.9346% | 1,696 |
| Tier 1 risk-based capital ratio | 13.9852% | 4,266 |
| Total risk-based capital ratio | 15.2393% | 4,206 |
| Memoranda: |
| Average total assets | $469,753,000 | 1,428 |
| Average earning assets | $449,615,330 | 1,371 |
| Average equity | $56,678,670 | 1,284 |
| Average total loans | $376,954,330 | 1,173 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7688% | 1,109 |
| Cost of funding earning assets | 0.1242% | 6,476 |
| Net interest margin | 4.6445% | 516 |
| Noninterest income to average assets | 0.9127% | 1,350 |
| Noninterest expense to average assets | 2.7966% | 3,579 |
| Loan and lease loss provision to assets | 0.0043% | 3,765 |
| Net operating income to assets | 2.4723% | 152 |
| Return on assets (ROA) | 2.4723% | 161 |
| Pretax return on assets | 2.5620% | 206 |
| Return on Equity (ROE) | 20.3288% | 271 |
| Retained earnings to average equity (ytd only) | 2.4826% | 4,586 |
| Net charge-offs to loans | 0.0075% | 3,495 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 425.0000% | 105 |
| Efficiency ratio | 52.1473% | 6,128 |
| Assets per employee ($millions) | 5.8285% | 1,430 |
| Cash dividends to net income (ytd only)* | 87.7879% | 848 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7423% | 2,216 |
| Loan loss allowance to noncurrent loans | 1,622.9798% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 6,000 |
| Noncurrent loans to loans | 0.1074% | 5,804 |
| Net loans and leases to total assets | 76.7734% | 910 |
| Net loans and leases to deposits | 87.4377% | 1,426 |
| Net loans and leases to core deposits | 90.4915% | 1,875 |
| Total domestic deposits to total assets | 87.8036% | 2,343 |
| Equity capital to assets | 11.9893% | 1,876 |
| Core capital (leverage) ratio | 12.0653% | 1,613 |
| Tier 1 risk-based capital ratio | 14.3458% | 4,102 |
| Total risk-based capital ratio | 15.6006% | 4,054 |
| Memoranda: |
| Average total assets | $463,700,000 | 1,455 |
| Average earning assets | $444,309,000 | 1,390 |
| Average equity | $56,393,000 | 1,288 |
| Average total loans | $374,721,500 | 1,180 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9065% | 1,085 |
| Cost of funding earning assets | 0.1439% | 6,563 |
| Net interest margin | 4.7626% | 463 |
| Noninterest income to average assets | 0.6392% | 2,870 |
| Noninterest expense to average assets | 2.4164% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.7259% | 136 |
| Return on assets (ROA) | 2.7037% | 140 |
| Pretax return on assets | 2.8123% | 144 |
| Return on Equity (ROE) | 22.2951% | 193 |
| Retained earnings to average equity (ytd only) | 3.7992% | 3,499 |
| Net charge-offs to loans | 0.1317% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 26.6352% | 1,289 |
| Efficiency ratio | 46.0104% | 6,555 |
| Assets per employee ($millions) | 5.5524% | 1,605 |
| Cash dividends to net income (ytd only)* | 82.9595% | 823 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6893% | 2,434 |
| Loan loss allowance to noncurrent loans | 1,603.2419% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 6,080 |
| Noncurrent loans to loans | 0.1054% | 5,896 |
| Net loans and leases to total assets | 82.1744% | 404 |
| Net loans and leases to deposits | 93.9386% | 882 |
| Net loans and leases to core deposits | 97.6344% | 1,337 |
| Total domestic deposits to total assets | 87.4767% | 2,481 |
| Equity capital to assets | 12.3401% | 1,601 |
| Core capital (leverage) ratio | 11.9843% | 1,619 |
| Tier 1 risk-based capital ratio | 14.2727% | 4,101 |
| Total risk-based capital ratio | 15.5275% | 4,041 |
| Memoranda: |
| Average total assets | $458,412,400 | 1,446 |
| Average earning assets | $443,983,600 | 1,364 |
| Average equity | $55,590,800 | 1,284 |
| Average total loans | $370,669,400 | 1,152 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8949% | 1,133 |
| Cost of funding earning assets | 0.1480% | 6,646 |
| Net interest margin | 4.7469% | 474 |
| Noninterest income to average assets | 0.6829% | 2,722 |
| Noninterest expense to average assets | 2.4065% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.7555% | 137 |
| Return on assets (ROA) | 2.7555% | 141 |
| Pretax return on assets | 2.8766% | 157 |
| Return on Equity (ROE) | 22.8219% | 173 |
| Retained earnings to average equity (ytd only) | 5.1752% | 2,954 |
| Net charge-offs to loans | 0.0080% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 450.3580% | 129 |
| Efficiency ratio | 45.5510% | 6,610 |
| Assets per employee ($millions) | 5.8083% | 1,372 |
| Cash dividends to net income (ytd only)* | 77.3235% | 867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8484% | 2,144 |
| Loan loss allowance to noncurrent loans | 338.1560% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 5,112 |
| Noncurrent loans to loans | 0.5466% | 4,830 |
| Net loans and leases to total assets | 78.7931% | 668 |
| Net loans and leases to deposits | 90.0207% | 1,162 |
| Net loans and leases to core deposits | 93.6130% | 1,608 |
| Total domestic deposits to total assets | 87.5278% | 2,400 |
| Equity capital to assets | 12.1087% | 1,855 |
| Core capital (leverage) ratio | 11.8495% | 1,770 |
| Tier 1 risk-based capital ratio | 14.6524% | 3,981 |
| Total risk-based capital ratio | 15.9092% | 3,926 |
| Memoranda: |
| Average total assets | $459,191,750 | 1,444 |
| Average earning assets | $444,999,250 | 1,376 |
| Average equity | $55,442,500 | 1,297 |
| Average total loans | $368,195,500 | 1,163 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9154% | 1,058 |
| Cost of funding earning assets | 0.1531% | 6,695 |
| Net interest margin | 4.7624% | 458 |
| Noninterest income to average assets | 0.5912% | 3,245 |
| Noninterest expense to average assets | 2.4003% | 5,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.6744% | 143 |
| Return on assets (ROA) | 2.6744% | 151 |
| Pretax return on assets | 2.8034% | 181 |
| Return on Equity (ROE) | 22.1721% | 199 |
| Retained earnings to average equity (ytd only) | 4.6150% | 3,327 |
| Net charge-offs to loans | 0.0093% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 377.1176% | 133 |
| Efficiency ratio | 46.1261% | 6,631 |
| Assets per employee ($millions) | 5.8321% | 1,324 |
| Cash dividends to net income (ytd only)* | 79.1857% | 926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8679% | 2,201 |
| Loan loss allowance to noncurrent loans | 333.8171% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 5,152 |
| Noncurrent loans to loans | 0.5596% | 4,859 |
| Net loans and leases to total assets | 78.6794% | 677 |
| Net loans and leases to deposits | 89.7491% | 1,174 |
| Net loans and leases to core deposits | 93.9675% | 1,522 |
| Total domestic deposits to total assets | 87.6660% | 2,460 |
| Equity capital to assets | 12.0402% | 1,889 |
| Core capital (leverage) ratio | 12.0078% | 1,610 |
| Tier 1 risk-based capital ratio | 14.5093% | 4,092 |
| Total risk-based capital ratio | 15.7663% | 4,057 |
| Memoranda: |
| Average total assets | $457,367,330 | 1,459 |
| Average earning assets | $442,973,670 | 1,380 |
| Average equity | $55,168,330 | 1,307 |
| Average total loans | $366,587,670 | 1,163 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9798% | 929 |
| Cost of funding earning assets | 0.1625% | 6,757 |
| Net interest margin | 4.8172% | 389 |
| Noninterest income to average assets | 0.6039% | 3,116 |
| Noninterest expense to average assets | 2.4210% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.7414% | 127 |
| Return on assets (ROA) | 2.7414% | 134 |
| Pretax return on assets | 2.8406% | 183 |
| Return on Equity (ROE) | 22.7061% | 173 |
| Retained earnings to average equity (ytd only) | 5.6493% | 2,865 |
| Net charge-offs to loans | 0.0055% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 647.2000% | 51 |
| Efficiency ratio | 46.0127% | 6,693 |
| Assets per employee ($millions) | 5.8430% | 1,379 |
| Cash dividends to net income (ytd only)* | 75.1201% | 974 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9108% | 2,272 |
| Loan loss allowance to noncurrent loans | 330.5595% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 5,243 |
| Noncurrent loans to loans | 0.5780% | 4,997 |
| Net loans and leases to total assets | 76.8699% | 733 |
| Net loans and leases to deposits | 87.5736% | 1,188 |
| Net loans and leases to core deposits | 91.8756% | 1,515 |
| Total domestic deposits to total assets | 87.7775% | 2,473 |
| Equity capital to assets | 11.9942% | 2,049 |
| Core capital (leverage) ratio | 11.9343% | 1,606 |
| Tier 1 risk-based capital ratio | 14.6638% | 4,058 |
| Total risk-based capital ratio | 15.9272% | 4,014 |
| Memoranda: |
| Average total assets | $455,684,500 | 1,476 |
| Average earning assets | $440,584,000 | 1,403 |
| Average equity | $55,016,000 | 1,323 |
| Average total loans | $365,180,500 | 1,174 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3627% | 812 |
| Cost of funding earning assets | 0.2425% | 6,702 |
| Net interest margin | 5.1201% | 317 |
| Noninterest income to average assets | 0.5379% | 3,658 |
| Noninterest expense to average assets | 2.4144% | 5,366 |
| Loan and lease loss provision to assets | 0.0470% | 5,245 |
| Net operating income to assets | 2.9072% | 103 |
| Return on assets (ROA) | 2.9115% | 106 |
| Pretax return on assets | 3.0249% | 142 |
| Return on Equity (ROE) | 24.3787% | 143 |
| Retained earnings to average equity (ytd only) | 5.2892% | 2,507 |
| Net charge-offs to loans | 0.0572% | 5,123 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 65.2464% | 551 |
| Efficiency ratio | 44.0434% | 6,846 |
| Assets per employee ($millions) | 5.4850% | 1,695 |
| Cash dividends to net income (ytd only)* | 78.3041% | 1,060 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8765% | 2,365 |
| Loan loss allowance to noncurrent loans | 327.8199% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 5,301 |
| Noncurrent loans to loans | 0.5724% | 5,099 |
| Net loans and leases to total assets | 80.4191% | 430 |
| Net loans and leases to deposits | 91.7448% | 934 |
| Net loans and leases to core deposits | 96.6415% | 1,253 |
| Total domestic deposits to total assets | 87.6553% | 2,443 |
| Equity capital to assets | 12.1544% | 1,942 |
| Core capital (leverage) ratio | 11.8492% | 1,641 |
| Tier 1 risk-based capital ratio | 14.0781% | 4,321 |
| Total risk-based capital ratio | 15.3424% | 4,270 |
| Memoranda: |
| Average total assets | $448,813,000 | 1,471 |
| Average earning assets | $433,367,600 | 1,390 |
| Average equity | $53,600,000 | 1,327 |
| Average total loans | $368,597,400 | 1,132 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3519% | 921 |
| Cost of funding earning assets | 0.2610% | 6,766 |
| Net interest margin | 5.0909% | 341 |
| Noninterest income to average assets | 0.5389% | 3,676 |
| Noninterest expense to average assets | 2.3978% | 5,407 |
| Loan and lease loss provision to assets | 0.0033% | 5,760 |
| Net operating income to assets | 2.9369% | 108 |
| Return on assets (ROA) | 2.9426% | 113 |
| Pretax return on assets | 3.0600% | 146 |
| Return on Equity (ROE) | 24.7494% | 150 |
| Retained earnings to average equity (ytd only) | 7.7048% | 1,750 |
| Net charge-offs to loans | -0.0333% | 6,600 |
| Credit loss provision to net charge-offs | -11.9565% | 6,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9547% | 6,897 |
| Assets per employee ($millions) | 5.3866% | 1,743 |
| Cash dividends to net income (ytd only)* | 68.8687% | 958 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8824% | 2,535 |
| Loan loss allowance to noncurrent loans | 290.5629% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 5,328 |
| Noncurrent loans to loans | 0.6478% | 5,150 |
| Net loans and leases to total assets | 81.8417% | 350 |
| Net loans and leases to deposits | 93.7178% | 809 |
| Net loans and leases to core deposits | 99.1978% | 1,175 |
| Total domestic deposits to total assets | 87.3278% | 2,481 |
| Equity capital to assets | 12.3210% | 2,019 |
| Core capital (leverage) ratio | 11.9158% | 1,707 |
| Tier 1 risk-based capital ratio | 14.0282% | 4,497 |
| Total risk-based capital ratio | 15.2942% | 4,447 |
| Memoranda: |
| Average total assets | $448,573,500 | 1,487 |
| Average earning assets | $433,182,000 | 1,410 |
| Average equity | $53,333,250 | 1,344 |
| Average total loans | $368,592,000 | 1,144 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3378% | 979 |
| Cost of funding earning assets | 0.2809% | 6,796 |
| Net interest margin | 5.0570% | 366 |
| Noninterest income to average assets | 0.5674% | 3,471 |
| Noninterest expense to average assets | 2.4250% | 5,367 |
| Loan and lease loss provision to assets | 0.0049% | 5,589 |
| Net operating income to assets | 2.8997% | 109 |
| Return on assets (ROA) | 2.9082% | 113 |
| Pretax return on assets | 3.0294% | 149 |
| Return on Equity (ROE) | 24.7588% | 156 |
| Retained earnings to average equity (ytd only) | 7.7992% | 1,718 |
| Net charge-offs to loans | 0.0136% | 5,248 |
| Credit loss provision to net charge-offs | 44.0000% | 4,171 |
| Earnings coverage of net charge-offs (x) | 271.7200% | 158 |
| Efficiency ratio | 44.4926% | 6,934 |
| Assets per employee ($millions) | 5.6071% | 1,521 |
| Cash dividends to net income (ytd only)* | 68.4992% | 1,129 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8749% | 2,629 |
| Loan loss allowance to noncurrent loans | 237.2165% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 5,171 |
| Noncurrent loans to loans | 0.7904% | 4,933 |
| Net loans and leases to total assets | 79.5447% | 560 |
| Net loans and leases to deposits | 90.5328% | 1,090 |
| Net loans and leases to core deposits | 96.3122% | 1,407 |
| Total domestic deposits to total assets | 87.8629% | 2,239 |
| Equity capital to assets | 11.8489% | 2,269 |
| Core capital (leverage) ratio | 11.6967% | 1,788 |
| Tier 1 risk-based capital ratio | 13.9125% | 4,514 |
| Total risk-based capital ratio | 15.1763% | 4,476 |
| Memoranda: |
| Average total assets | $449,068,000 | 1,484 |
| Average earning assets | $433,621,000 | 1,409 |
| Average equity | $52,749,000 | 1,350 |
| Average total loans | $367,147,330 | 1,149 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3897% | 929 |
| Cost of funding earning assets | 0.3009% | 6,839 |
| Net interest margin | 5.0888% | 348 |
| Noninterest income to average assets | 0.4882% | 3,992 |
| Noninterest expense to average assets | 2.4716% | 5,244 |
| Loan and lease loss provision to assets | 0.0054% | 5,207 |
| Net operating income to assets | 2.7878% | 127 |
| Return on assets (ROA) | 2.7878% | 151 |
| Pretax return on assets | 2.9204% | 200 |
| Return on Equity (ROE) | 23.8394% | 219 |
| Retained earnings to average equity (ytd only) | 7.5226% | 2,167 |
| Net charge-offs to loans | 0.0087% | 4,606 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 408.2500% | 67 |
| Efficiency ratio | 45.7925% | 6,912 |
| Assets per employee ($millions) | 5.4610% | 1,728 |
| Cash dividends to net income (ytd only)* | 68.4447% | 1,014 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8795% | 2,740 |
| Loan loss allowance to noncurrent loans | 197.4022% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 4,861 |
| Noncurrent loans to loans | 0.9521% | 4,768 |
| Net loans and leases to total assets | 79.6450% | 442 |
| Net loans and leases to deposits | 90.3768% | 936 |
| Net loans and leases to core deposits | 96.8070% | 1,224 |
| Total domestic deposits to total assets | 88.1255% | 2,231 |
| Equity capital to assets | 11.6303% | 2,322 |
| Core capital (leverage) ratio | 11.5026% | 1,889 |
| Tier 1 risk-based capital ratio | 13.6500% | 4,717 |
| Total risk-based capital ratio | 14.9114% | 4,690 |
| Memoranda: |
| Average total assets | $446,514,000 | 1,489 |
| Average earning assets | $430,746,500 | 1,420 |
| Average equity | $52,216,000 | 1,354 |
| Average total loans | $366,633,000 | 1,149 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4141% | 1,378 |
| Cost of funding earning assets | 0.3953% | 6,897 |
| Net interest margin | 5.0188% | 404 |
| Noninterest income to average assets | 0.4668% | 4,077 |
| Noninterest expense to average assets | 2.4372% | 5,675 |
| Loan and lease loss provision to assets | 0.3613% | 2,839 |
| Net operating income to assets | 2.4519% | 140 |
| Return on assets (ROA) | 2.4598% | 148 |
| Pretax return on assets | 2.5113% | 203 |
| Return on Equity (ROE) | 21.2219% | 213 |
| Retained earnings to average equity (ytd only) | 3.9402% | 3,393 |
| Net charge-offs to loans | 0.3352% | 3,719 |
| Credit loss provision to net charge-offs | 132.9752% | 2,286 |
| Earnings coverage of net charge-offs (x) | 10.5430% | 1,824 |
| Efficiency ratio | 45.9701% | 7,044 |
| Assets per employee ($millions) | 5.4292% | 1,711 |
| Cash dividends to net income (ytd only)* | 81.4331% | 745 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8933% | 2,586 |
| Loan loss allowance to noncurrent loans | 196.5057% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 4,502 |
| Noncurrent loans to loans | 0.9635% | 4,781 |
| Net loans and leases to total assets | 81.5055% | 375 |
| Net loans and leases to deposits | 92.7758% | 902 |
| Net loans and leases to core deposits | 100.3003% | 1,149 |
| Total domestic deposits to total assets | 87.8521% | 2,249 |
| Equity capital to assets | 11.7600% | 2,297 |
| Core capital (leverage) ratio | 11.4171% | 1,955 |
| Tier 1 risk-based capital ratio | 13.5320% | 4,674 |
| Total risk-based capital ratio | 14.7943% | 4,635 |
| Memoranda: |
| Average total assets | $445,354,600 | 1,466 |
| Average earning assets | $429,029,400 | 1,410 |
| Average equity | $51,621,200 | 1,325 |
| Average total loans | $360,975,000 | 1,168 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4099% | 1,484 |
| Cost of funding earning assets | 0.4173% | 6,969 |
| Net interest margin | 4.9926% | 419 |
| Noninterest income to average assets | 0.4533% | 4,271 |
| Noninterest expense to average assets | 2.3672% | 5,859 |
| Loan and lease loss provision to assets | 0.3077% | 3,065 |
| Net operating income to assets | 2.5541% | 142 |
| Return on assets (ROA) | 2.5541% | 148 |
| Pretax return on assets | 2.5881% | 209 |
| Return on Equity (ROE) | 22.1142% | 213 |
| Retained earnings to average equity (ytd only) | 9.0028% | 1,145 |
| Net charge-offs to loans | 0.2886% | 3,649 |
| Credit loss provision to net charge-offs | 132.3492% | 2,411 |
| Earnings coverage of net charge-offs (x) | 12.4557% | 1,708 |
| Efficiency ratio | 44.9787% | 7,104 |
| Assets per employee ($millions) | 5.5843% | 1,521 |
| Cash dividends to net income (ytd only)* | 59.2895% | 1,215 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8854% | 2,659 |
| Loan loss allowance to noncurrent loans | 169.4618% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 4,406 |
| Noncurrent loans to loans | 1.1126% | 4,698 |
| Net loans and leases to total assets | 78.8614% | 621 |
| Net loans and leases to deposits | 89.9160% | 1,222 |
| Net loans and leases to core deposits | 97.4894% | 1,471 |
| Total domestic deposits to total assets | 87.7057% | 2,232 |
| Equity capital to assets | 11.9505% | 2,291 |
| Core capital (leverage) ratio | 11.5907% | 1,963 |
| Tier 1 risk-based capital ratio | 14.1495% | 4,235 |
| Total risk-based capital ratio | 15.4115% | 4,199 |
| Memoranda: |
| Average total assets | $446,752,500 | 1,477 |
| Average earning assets | $430,388,000 | 1,415 |
| Average equity | $51,597,500 | 1,322 |
| Average total loans | $359,881,750 | 1,187 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3844% | 1,612 |
| Cost of funding earning assets | 0.4446% | 7,028 |
| Net interest margin | 4.9397% | 443 |
| Noninterest income to average assets | 0.4624% | 4,164 |
| Noninterest expense to average assets | 2.3592% | 5,966 |
| Loan and lease loss provision to assets | 0.2350% | 3,561 |
| Net operating income to assets | 2.5938% | 152 |
| Return on assets (ROA) | 2.5938% | 158 |
| Pretax return on assets | 2.6278% | 206 |
| Return on Equity (ROE) | 22.7213% | 208 |
| Retained earnings to average equity (ytd only) | 11.1646% | 637 |
| Net charge-offs to loans | 0.2804% | 3,481 |
| Credit loss provision to net charge-offs | 103.9604% | 2,974 |
| Earnings coverage of net charge-offs (x) | 12.6634% | 1,609 |
| Efficiency ratio | 45.1779% | 7,195 |
| Assets per employee ($millions) | 5.6528% | 1,439 |
| Cash dividends to net income (ytd only)* | 50.8630% | 1,664 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8351% | 2,871 |
| Loan loss allowance to noncurrent loans | 141.6468% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 1.3285% | 4,242 |
| Noncurrent loans to loans | 1.2955% | 4,493 |
| Net loans and leases to total assets | 77.3265% | 866 |
| Net loans and leases to deposits | 87.7963% | 1,531 |
| Net loans and leases to core deposits | 95.3795% | 1,742 |
| Total domestic deposits to total assets | 88.0749% | 2,097 |
| Equity capital to assets | 11.6197% | 2,394 |
| Core capital (leverage) ratio | 11.4693% | 1,932 |
| Tier 1 risk-based capital ratio | 14.0831% | 4,109 |
| Total risk-based capital ratio | 15.3396% | 4,077 |
| Memoranda: |
| Average total assets | $446,755,670 | 1,490 |
| Average earning assets | $430,469,670 | 1,427 |
| Average equity | $51,000,670 | 1,318 |
| Average total loans | $360,149,670 | 1,206 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3707% | 1,671 |
| Cost of funding earning assets | 0.4642% | 7,082 |
| Net interest margin | 4.9065% | 453 |
| Noninterest income to average assets | 0.3955% | 4,735 |
| Noninterest expense to average assets | 2.3648% | 6,003 |
| Loan and lease loss provision to assets | 0.2865% | 2,854 |
| Net operating income to assets | 2.4422% | 189 |
| Return on assets (ROA) | 2.4422% | 196 |
| Pretax return on assets | 2.4765% | 255 |
| Return on Equity (ROE) | 21.5898% | 263 |
| Retained earnings to average equity (ytd only) | 13.2358% | 554 |
| Net charge-offs to loans | 0.5578% | 2,096 |
| Credit loss provision to net charge-offs | 62.9703% | 3,494 |
| Earnings coverage of net charge-offs (x) | 6.0733% | 2,162 |
| Efficiency ratio | 46.1174% | 7,200 |
| Assets per employee ($millions) | 5.6141% | 1,477 |
| Cash dividends to net income (ytd only)* | 38.6942% | 1,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7556% | 3,155 |
| Loan loss allowance to noncurrent loans | 104.5237% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.3657% | 4,243 |
| Noncurrent loans to loans | 1.6796% | 3,964 |
| Net loans and leases to total assets | 79.8842% | 520 |
| Net loans and leases to deposits | 91.7409% | 1,044 |
| Net loans and leases to core deposits | 100.3484% | 1,311 |
| Total domestic deposits to total assets | 87.0759% | 2,908 |
| Equity capital to assets | 11.5142% | 2,248 |
| Core capital (leverage) ratio | 11.2816% | 1,969 |
| Tier 1 risk-based capital ratio | 13.7015% | 4,280 |
| Total risk-based capital ratio | 14.9572% | 4,248 |
| Memoranda: |
| Average total assets | $444,021,500 | 1,507 |
| Average earning assets | $428,250,000 | 1,439 |
| Average equity | $50,227,500 | 1,326 |
| Average total loans | $362,111,500 | 1,210 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3646% | 2,836 |
| Cost of funding earning assets | 0.6792% | 6,933 |
| Net interest margin | 4.6854% | 842 |
| Noninterest income to average assets | 0.3485% | 5,308 |
| Noninterest expense to average assets | 2.3933% | 6,100 |
| Loan and lease loss provision to assets | 0.3125% | 4,304 |
| Net operating income to assets | 2.0658% | 251 |
| Return on assets (ROA) | 2.0787% | 260 |
| Pretax return on assets | 2.1699% | 345 |
| Return on Equity (ROE) | 20.4728% | 228 |
| Retained earnings to average equity (ytd only) | 9.8932% | 546 |
| Net charge-offs to loans | 0.1815% | 5,221 |
| Credit loss provision to net charge-offs | 215.2142% | 1,405 |
| Earnings coverage of net charge-offs (x) | 17.0044% | 1,179 |
| Efficiency ratio | 49.2237% | 7,188 |
| Assets per employee ($millions) | 5.6991% | 1,427 |
| Cash dividends to net income (ytd only)* | 51.6765% | 1,999 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7924% | 2,885 |
| Loan loss allowance to noncurrent loans | 110.7956% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 4,382 |
| Noncurrent loans to loans | 1.6177% | 4,076 |
| Net loans and leases to total assets | 80.3271% | 626 |
| Net loans and leases to deposits | 91.9286% | 1,272 |
| Net loans and leases to core deposits | 100.5907% | 1,569 |
| Total domestic deposits to total assets | 87.3800% | 2,622 |
| Equity capital to assets | 11.1101% | 2,587 |
| Core capital (leverage) ratio | 10.7729% | 2,328 |
| Tier 1 risk-based capital ratio | 13.2071% | 4,448 |
| Total risk-based capital ratio | 14.4639% | 4,396 |
| Memoranda: |
| Average total assets | $466,294,000 | 1,429 |
| Average earning assets | $449,205,800 | 1,360 |
| Average equity | $47,345,800 | 1,413 |
| Average total loans | $373,094,400 | 1,217 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3407% | 3,162 |
| Cost of funding earning assets | 0.7300% | 6,972 |
| Net interest margin | 4.6107% | 1,018 |
| Noninterest income to average assets | 0.3228% | 5,575 |
| Noninterest expense to average assets | 2.4423% | 5,914 |
| Loan and lease loss provision to assets | 0.2394% | 4,686 |
| Net operating income to assets | 1.9822% | 346 |
| Return on assets (ROA) | 1.9991% | 369 |
| Pretax return on assets | 2.0986% | 502 |
| Return on Equity (ROE) | 20.1353% | 300 |
| Retained earnings to average equity (ytd only) | 11.2761% | 561 |
| Net charge-offs to loans | 0.1044% | 5,495 |
| Credit loss provision to net charge-offs | 288.0952% | 1,117 |
| Earnings coverage of net charge-offs (x) | 27.9218% | 924 |
| Efficiency ratio | 51.2819% | 7,050 |
| Assets per employee ($millions) | 5.9889% | 1,249 |
| Cash dividends to net income (ytd only)* | 43.9983% | 1,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7004% | 3,147 |
| Loan loss allowance to noncurrent loans | 119.3965% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 4,749 |
| Noncurrent loans to loans | 1.4241% | 4,477 |
| Net loans and leases to total assets | 76.8693% | 1,243 |
| Net loans and leases to deposits | 87.1382% | 2,134 |
| Net loans and leases to core deposits | 95.0264% | 2,387 |
| Total domestic deposits to total assets | 88.2154% | 1,848 |
| Equity capital to assets | 10.3119% | 3,750 |
| Core capital (leverage) ratio | 10.2555% | 2,982 |
| Tier 1 risk-based capital ratio | 12.7398% | 4,783 |
| Total risk-based capital ratio | 13.9982% | 4,756 |
| Memoranda: |
| Average total assets | $471,734,750 | 1,435 |
| Average earning assets | $454,233,000 | 1,364 |
| Average equity | $46,835,250 | 1,441 |
| Average total loans | $375,469,000 | 1,215 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3498% | 3,214 |
| Cost of funding earning assets | 0.8058% | 6,898 |
| Net interest margin | 4.5439% | 1,110 |
| Noninterest income to average assets | 0.3098% | 5,685 |
| Noninterest expense to average assets | 2.4610% | 5,872 |
| Loan and lease loss provision to assets | 0.2135% | 4,753 |
| Net operating income to assets | 1.9064% | 391 |
| Return on assets (ROA) | 1.9318% | 412 |
| Pretax return on assets | 2.0366% | 563 |
| Return on Equity (ROE) | 19.7123% | 342 |
| Retained earnings to average equity (ytd only) | 10.5664% | 733 |
| Net charge-offs to loans | 0.0530% | 5,640 |
| Credit loss provision to net charge-offs | 503.0000% | 731 |
| Earnings coverage of net charge-offs (x) | 52.3900% | 565 |
| Efficiency ratio | 52.5367% | 7,025 |
| Assets per employee ($millions) | 5.9796% | 1,244 |
| Cash dividends to net income (ytd only)* | 46.3972% | 1,828 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6473% | 3,263 |
| Loan loss allowance to noncurrent loans | 117.6888% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1985% | 4,744 |
| Noncurrent loans to loans | 1.3997% | 4,603 |
| Net loans and leases to total assets | 76.6487% | 1,359 |
| Net loans and leases to deposits | 89.8955% | 1,872 |
| Net loans and leases to core deposits | 97.7296% | 2,260 |
| Total domestic deposits to total assets | 85.2642% | 3,483 |
| Equity capital to assets | 9.8820% | 4,162 |
| Core capital (leverage) ratio | 9.9327% | 3,242 |
| Tier 1 risk-based capital ratio | 12.2206% | 5,103 |
| Total risk-based capital ratio | 13.4772% | 5,071 |
| Memoranda: |
| Average total assets | $471,271,670 | 1,446 |
| Average earning assets | $453,702,670 | 1,370 |
| Average equity | $46,184,330 | 1,457 |
| Average total loans | $377,299,330 | 1,220 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3901% | 3,080 |
| Cost of funding earning assets | 0.8484% | 6,944 |
| Net interest margin | 4.5417% | 1,060 |
| Noninterest income to average assets | 0.3121% | 5,654 |
| Noninterest expense to average assets | 2.3869% | 6,138 |
| Loan and lease loss provision to assets | 0.2514% | 4,028 |
| Net operating income to assets | 1.9884% | 352 |
| Return on assets (ROA) | 1.9884% | 384 |
| Pretax return on assets | 2.0414% | 566 |
| Return on Equity (ROE) | 20.3766% | 361 |
| Retained earnings to average equity (ytd only) | 19.0620% | 211 |
| Net charge-offs to loans | 0.0622% | 4,792 |
| Credit loss provision to net charge-offs | 498.3051% | 859 |
| Earnings coverage of net charge-offs (x) | 45.4407% | 613 |
| Efficiency ratio | 51.0051% | 7,241 |
| Assets per employee ($millions) | 6.2709% | 1,097 |
| Cash dividends to net income (ytd only)* | 6.4516% | 2,460 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5787% | 3,535 |
| Loan loss allowance to noncurrent loans | 112.2556% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.3548% | 4,485 |
| Noncurrent loans to loans | 1.4063% | 4,625 |
| Net loans and leases to total assets | 79.1616% | 953 |
| Net loans and leases to deposits | 92.9235% | 1,484 |
| Net loans and leases to core deposits | 100.9028% | 2,041 |
| Total domestic deposits to total assets | 85.1901% | 3,566 |
| Equity capital to assets | 9.9524% | 3,928 |
| Core capital (leverage) ratio | 10.0357% | 3,123 |
| Tier 1 risk-based capital ratio | 11.9744% | 5,220 |
| Total risk-based capital ratio | 13.2279% | 5,179 |
| Memoranda: |
| Average total assets | $467,724,000 | 1,499 |
| Average earning assets | $449,784,000 | 1,409 |
| Average equity | $45,640,500 | 1,475 |
| Average total loans | $379,547,500 | 1,252 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8745% | 2,352 |
| Cost of funding earning assets | 1.2739% | 6,400 |
| Net interest margin | 4.6005% | 987 |
| Noninterest income to average assets | 0.3564% | 5,549 |
| Noninterest expense to average assets | 2.6165% | 5,727 |
| Loan and lease loss provision to assets | 0.6068% | 3,368 |
| Net operating income to assets | 1.5203% | 647 |
| Return on assets (ROA) | 1.5203% | 688 |
| Pretax return on assets | 1.5815% | 999 |
| Return on Equity (ROE) | 16.5281% | 503 |
| Retained earnings to average equity (ytd only) | 11.4371% | 254 |
| Net charge-offs to loans | 0.5458% | 3,602 |
| Credit loss provision to net charge-offs | 126.9700% | 4,095 |
| Earnings coverage of net charge-offs (x) | 4.5788% | 2,898 |
| Efficiency ratio | 54.4555% | 7,180 |
| Assets per employee ($millions) | 6.2017% | 1,133 |
| Cash dividends to net income (ytd only)* | 30.8021% | 3,293 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5065% | 3,687 |
| Loan loss allowance to noncurrent loans | 105.2274% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3983% | 4,322 |
| Noncurrent loans to loans | 1.4317% | 4,527 |
| Net loans and leases to total assets | 80.6387% | 886 |
| Net loans and leases to deposits | 95.8002% | 1,354 |
| Net loans and leases to core deposits | 112.4542% | 2,651 |
| Total domestic deposits to total assets | 84.1738% | 3,954 |
| Equity capital to assets | 9.5615% | 4,338 |
| Core capital (leverage) ratio | 9.8368% | 3,291 |
| Tier 1 risk-based capital ratio | 11.3331% | 5,582 |
| Total risk-based capital ratio | 12.5859% | 5,525 |
| Memoranda: |
| Average total assets | $446,084,600 | 1,554 |
| Average earning assets | $431,341,000 | 1,471 |
| Average equity | $41,033,200 | 1,629 |
| Average total loans | $390,653,000 | 1,232 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9701% | 2,152 |
| Cost of funding earning assets | 1.3515% | 6,391 |
| Net interest margin | 4.6185% | 960 |
| Noninterest income to average assets | 0.3498% | 5,694 |
| Noninterest expense to average assets | 2.6879% | 5,378 |
| Loan and lease loss provision to assets | 0.7088% | 2,607 |
| Net operating income to assets | 1.3619% | 1,096 |
| Return on assets (ROA) | 1.3619% | 1,156 |
| Pretax return on assets | 1.4236% | 1,637 |
| Return on Equity (ROE) | 14.9615% | 776 |
| Retained earnings to average equity (ytd only) | 8.6921% | 924 |
| Net charge-offs to loans | 0.7200% | 2,554 |
| Credit loss provision to net charge-offs | 110.5040% | 4,604 |
| Earnings coverage of net charge-offs (x) | 3.3245% | 3,574 |
| Efficiency ratio | 55.7631% | 7,034 |
| Assets per employee ($millions) | 5.7227% | 1,414 |
| Cash dividends to net income (ytd only)* | 41.9032% | 2,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4089% | 3,892 |
| Loan loss allowance to noncurrent loans | 98.8799% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 4,143 |
| Noncurrent loans to loans | 1.4249% | 4,539 |
| Net loans and leases to total assets | 86.6395% | 305 |
| Net loans and leases to deposits | 105.5123% | 678 |
| Net loans and leases to core deposits | 124.7446% | 1,837 |
| Total domestic deposits to total assets | 82.1132% | 4,637 |
| Equity capital to assets | 9.7730% | 4,388 |
| Core capital (leverage) ratio | 9.5109% | 3,894 |
| Tier 1 risk-based capital ratio | 10.8014% | 6,154 |
| Total risk-based capital ratio | 12.0529% | 6,118 |
| Memoranda: |
| Average total assets | $441,323,750 | 1,580 |
| Average earning assets | $427,165,500 | 1,494 |
| Average equity | $40,173,250 | 1,689 |
| Average total loans | $393,113,750 | 1,238 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9685% | 2,311 |
| Cost of funding earning assets | 1.3858% | 6,530 |
| Net interest margin | 4.5828% | 994 |
| Noninterest income to average assets | 0.3486% | 5,714 |
| Noninterest expense to average assets | 2.5987% | 5,746 |
| Loan and lease loss provision to assets | 0.7554% | 2,174 |
| Net operating income to assets | 1.3706% | 1,083 |
| Return on assets (ROA) | 1.3706% | 1,150 |
| Pretax return on assets | 1.4346% | 1,637 |
| Return on Equity (ROE) | 15.4280% | 762 |
| Retained earnings to average equity (ytd only) | 5.8382% | 2,098 |
| Net charge-offs to loans | 0.8615% | 1,967 |
| Credit loss provision to net charge-offs | 98.0105% | 4,678 |
| Earnings coverage of net charge-offs (x) | 2.8414% | 3,677 |
| Efficiency ratio | 54.2663% | 7,303 |
| Assets per employee ($millions) | 5.8085% | 1,336 |
| Cash dividends to net income (ytd only)* | 62.1586% | 1,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3215% | 4,150 |
| Loan loss allowance to noncurrent loans | 91.5076% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.5868% | 3,834 |
| Noncurrent loans to loans | 1.4442% | 4,332 |
| Net loans and leases to total assets | 85.6293% | 422 |
| Net loans and leases to deposits | 105.6251% | 789 |
| Net loans and leases to core deposits | 124.0680% | 2,022 |
| Total domestic deposits to total assets | 81.0690% | 5,059 |
| Equity capital to assets | 9.1377% | 5,113 |
| Core capital (leverage) ratio | 8.9986% | 4,634 |
| Tier 1 risk-based capital ratio | 10.2558% | 6,643 |
| Total risk-based capital ratio | 11.5063% | 6,571 |
| Memoranda: |
| Average total assets | $443,457,000 | 1,596 |
| Average earning assets | $429,653,670 | 1,502 |
| Average equity | $39,396,000 | 1,726 |
| Average total loans | $396,751,330 | 1,252 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0304% | 2,233 |
| Cost of funding earning assets | 1.3857% | 6,776 |
| Net interest margin | 4.6446% | 876 |
| Noninterest income to average assets | 0.3470% | 5,670 |
| Noninterest expense to average assets | 2.3145% | 6,489 |
| Loan and lease loss provision to assets | 1.3969% | 913 |
| Net operating income to assets | 1.0825% | 2,024 |
| Return on assets (ROA) | 1.0825% | 2,152 |
| Pretax return on assets | 1.1414% | 2,826 |
| Return on Equity (ROE) | 12.3644% | 1,552 |
| Retained earnings to average equity (ytd only) | -3.0419% | 6,287 |
| Net charge-offs to loans | 1.6745% | 861 |
| Credit loss provision to net charge-offs | 91.8404% | 3,966 |
| Earnings coverage of net charge-offs (x) | 1.6689% | 3,894 |
| Efficiency ratio | 47.6946% | 7,746 |
| Assets per employee ($millions) | 6.1330% | 1,124 |
| Cash dividends to net income (ytd only)* | 124.6025% | 563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2653% | 4,308 |
| Loan loss allowance to noncurrent loans | 174.0908% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 4,784 |
| Noncurrent loans to loans | 0.7268% | 5,608 |
| Net loans and leases to total assets | 86.4167% | 393 |
| Net loans and leases to deposits | 114.0784% | 443 |
| Net loans and leases to core deposits | 130.1895% | 1,646 |
| Total domestic deposits to total assets | 75.7520% | 6,566 |
| Equity capital to assets | 8.7019% | 5,761 |
| Core capital (leverage) ratio | 8.9525% | 4,792 |
| Tier 1 risk-based capital ratio | 9.6884% | 7,268 |
| Total risk-based capital ratio | 10.9269% | 7,193 |
| Memoranda: |
| Average total assets | $441,557,000 | 1,608 |
| Average earning assets | $428,364,000 | 1,519 |
| Average equity | $38,659,500 | 1,755 |
| Average total loans | $401,071,000 | 1,252 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5813% | 2,569 |
| Cost of funding earning assets | 1.9615% | 6,529 |
| Net interest margin | 4.6199% | 1,129 |
| Noninterest income to average assets | 0.3928% | 5,531 |
| Noninterest expense to average assets | 2.3141% | 6,655 |
| Loan and lease loss provision to assets | 0.3178% | 3,833 |
| Net operating income to assets | 2.1495% | 261 |
| Return on assets (ROA) | 2.1551% | 255 |
| Pretax return on assets | 2.2341% | 368 |
| Return on Equity (ROE) | 24.2527% | 168 |
| Retained earnings to average equity (ytd only) | -3.7196% | 6,264 |
| Net charge-offs to loans | 0.0041% | 6,933 |
| Credit loss provision to net charge-offs | 8,293.7500% | 71 |
| Earnings coverage of net charge-offs (x) | 664.5000% | 85 |
| Efficiency ratio | 47.6101% | 7,841 |
| Assets per employee ($millions) | 5.7236% | 1,310 |
| Cash dividends to net income (ytd only)* | 115.3367% | 736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2751% | 3,961 |
| Loan loss allowance to noncurrent loans | 80.3080% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 3,224 |
| Noncurrent loans to loans | 1.5877% | 3,394 |
| Net loans and leases to total assets | 93.1246% | 51 |
| Net loans and leases to deposits | 123.4919% | 308 |
| Net loans and leases to core deposits | 138.3903% | 1,352 |
| Total domestic deposits to total assets | 75.4095% | 6,365 |
| Equity capital to assets | 8.8117% | 5,632 |
| Core capital (leverage) ratio | 8.8005% | 5,033 |
| Tier 1 risk-based capital ratio | 9.0961% | 7,723 |
| Total risk-based capital ratio | 10.3399% | 7,688 |
| Memoranda: |
| Average total assets | $417,530,600 | 1,630 |
| Average earning assets | $403,778,600 | 1,546 |
| Average equity | $37,101,000 | 1,827 |
| Average total loans | $389,609,200 | 1,245 |
