| 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 | 4.1317% | 3,750 |
| Cost of funding earning assets | 1.0694% | 3,146 |
| Net interest margin | 3.0622% | 3,164 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.0560% | 1,029 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3916% | 3,887 |
| Return on assets (ROA) | 0.3916% | 3,880 |
| Pretax return on assets | 0.4853% | 3,835 |
| Return on Equity (ROE) | 6.0100% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.0069% | 2,237 |
| Net charge-offs to loans | 0.0159% | 2,067 |
| Credit loss provision to net charge-offs | 435.5932% | 738 |
| Earnings coverage of net charge-offs (x) | 48.7627% | 1,310 |
| Efficiency ratio | 85.0343% | 611 |
| Assets per employee ($millions) | 6.8900% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9937% | 3,351 |
| Loan loss allowance to noncurrent loans | 299.3769% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,035 |
| Noncurrent loans to loans | 0.3319% | 1,992 |
| Net loans and leases to total assets | 70.3600% | 1,768 |
| Net loans and leases to deposits | 85.2217% | 1,676 |
| Net loans and leases to core deposits | 90.7083% | 2,000 |
| Total domestic deposits to total assets | 82.5600% | 3,000 |
| Equity capital to assets | 6.8365% | 4,007 |
| Core capital (leverage) ratio | 8.6341% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4252% | 1,710 |
| Memoranda: |
| Average total assets | $534,916,600 | 1,655 |
| Average earning assets | $505,873,200 | 1,616 |
| Average equity | $34,876,800 | 2,058 |
| Average total loans | $370,952,600 | 1,544 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0576% | 3,741 |
| Cost of funding earning assets | 0.9671% | 3,124 |
| Net interest margin | 3.0905% | 3,156 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.0501% | 992 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4426% | 3,885 |
| Return on assets (ROA) | 0.4426% | 3,886 |
| Pretax return on assets | 0.5570% | 3,814 |
| Return on Equity (ROE) | 6.8700% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.8739% | 2,336 |
| Net charge-offs to loans | 0.0193% | 1,743 |
| Credit loss provision to net charge-offs | 335.8491% | 819 |
| Earnings coverage of net charge-offs (x) | 45.6038% | 1,364 |
| Efficiency ratio | 83.4452% | 647 |
| Assets per employee ($millions) | 6.5439% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9866% | 3,433 |
| Loan loss allowance to noncurrent loans | 266.5018% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 1,947 |
| Noncurrent loans to loans | 0.3702% | 1,908 |
| Net loans and leases to total assets | 70.5300% | 1,766 |
| Net loans and leases to deposits | 83.8571% | 1,752 |
| Net loans and leases to core deposits | 88.8033% | 2,004 |
| Total domestic deposits to total assets | 84.1000% | 2,749 |
| Equity capital to assets | 6.4277% | 3,854 |
| Core capital (leverage) ratio | 8.4114% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3174% | 1,784 |
| Memoranda: |
| Average total assets | $532,567,750 | 1,660 |
| Average earning assets | $503,770,250 | 1,620 |
| Average equity | $34,293,000 | 2,068 |
| Average total loans | $366,985,750 | 1,551 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9009% | 3,867 |
| Cost of funding earning assets | 0.7960% | 3,216 |
| Net interest margin | 3.1049% | 3,218 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 3.0417% | 976 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5162% | 3,775 |
| Return on assets (ROA) | 0.5162% | 3,784 |
| Pretax return on assets | 0.6532% | 3,696 |
| Return on Equity (ROE) | 8.0100% | 3,229 |
| Retained earnings to average equity (ytd only) | 8.0112% | 1,958 |
| Net charge-offs to loans | 0.0155% | 1,622 |
| Credit loss provision to net charge-offs | 317.8571% | 838 |
| Earnings coverage of net charge-offs (x) | 65.1429% | 1,152 |
| Efficiency ratio | 81.5813% | 736 |
| Assets per employee ($millions) | 6.8721% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9906% | 3,468 |
| Loan loss allowance to noncurrent loans | 229.5327% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 1,734 |
| Noncurrent loans to loans | 0.4316% | 1,641 |
| Net loans and leases to total assets | 67.8200% | 1,974 |
| Net loans and leases to deposits | 80.0652% | 1,971 |
| Net loans and leases to core deposits | 83.7420% | 2,224 |
| Total domestic deposits to total assets | 84.7100% | 2,619 |
| Equity capital to assets | 6.4046% | 4,032 |
| Core capital (leverage) ratio | 8.7107% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6655% | 1,662 |
| Memoranda: |
| Average total assets | $531,224,333 | 1,664 |
| Average earning assets | $503,014,333 | 1,623 |
| Average equity | $34,227,000 | 2,083 |
| Average total loans | $361,912,000 | 1,557 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8313% | 3,799 |
| Cost of funding earning assets | 0.5983% | 3,391 |
| Net interest margin | 3.2331% | 3,031 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 3.0149% | 1,037 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6875% | 3,502 |
| Return on assets (ROA) | 0.6875% | 3,451 |
| Pretax return on assets | 0.8961% | 3,250 |
| Return on Equity (ROE) | 10.6400% | 2,594 |
| Retained earnings to average equity (ytd only) | 10.6375% | 1,550 |
| Net charge-offs to loans | 0.0011% | 2,016 |
| Credit loss provision to net charge-offs | 4,700.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 1,224.0000% | 82 |
| Efficiency ratio | 76.3889% | 1,144 |
| Assets per employee ($millions) | 6.5110% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0186% | 3,444 |
| Loan loss allowance to noncurrent loans | 389.3843% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,245 |
| Noncurrent loans to loans | 0.2616% | 2,211 |
| Net loans and leases to total assets | 68.4300% | 1,790 |
| Net loans and leases to deposits | 77.2932% | 2,011 |
| Net loans and leases to core deposits | 79.3096% | 2,301 |
| Total domestic deposits to total assets | 88.5300% | 1,723 |
| Equity capital to assets | 6.7363% | 3,947 |
| Core capital (leverage) ratio | 8.7548% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9040% | 1,657 |
| Memoranda: |
| Average total assets | $525,389,500 | 1,692 |
| Average earning assets | $498,103,000 | 1,657 |
| Average equity | $33,955,500 | 2,128 |
| Average total loans | $356,928,000 | 1,587 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2891% | 3,609 |
| Cost of funding earning assets | 0.3476% | 2,496 |
| Net interest margin | 2.9415% | 3,589 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.9546% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3504% | 4,313 |
| Return on assets (ROA) | 0.3504% | 4,279 |
| Pretax return on assets | 0.4475% | 4,230 |
| Return on Equity (ROE) | 5.3000% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.3000% | 2,927 |
| Net charge-offs to loans | 0.0024% | 2,429 |
| Credit loss provision to net charge-offs | 237.5000% | 1,021 |
| Earnings coverage of net charge-offs (x) | 295.1250% | 494 |
| Efficiency ratio | 86.7546% | 402 |
| Assets per employee ($millions) | 6.9724% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0244% | 3,231 |
| Loan loss allowance to noncurrent loans | 213.8053% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 1,579 |
| Noncurrent loans to loans | 0.4791% | 1,502 |
| Net loans and leases to total assets | 66.0800% | 2,034 |
| Net loans and leases to deposits | 71.9287% | 2,414 |
| Net loans and leases to core deposits | 74.3978% | 2,540 |
| Total domestic deposits to total assets | 91.8600% | 675 |
| Equity capital to assets | 6.1942% | 4,022 |
| Core capital (leverage) ratio | 8.4300% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7260% | 1,721 |
| Memoranda: |
| Average total assets | $523,379,400 | 1,672 |
| Average earning assets | $500,558,800 | 1,624 |
| Average equity | $34,603,600 | 2,129 |
| Average total loans | $336,136,600 | 1,584 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1246% | 3,617 |
| Cost of funding earning assets | 0.3273% | 1,883 |
| Net interest margin | 2.7973% | 3,743 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.9681% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2164% | 4,460 |
| Return on assets (ROA) | 0.2164% | 4,427 |
| Pretax return on assets | 0.2806% | 4,396 |
| Return on Equity (ROE) | 3.2200% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.2221% | 3,722 |
| Net charge-offs to loans | 0.0032% | 2,111 |
| Credit loss provision to net charge-offs | -75.0000% | 4,637 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 787 |
| Efficiency ratio | 91.4063% | 288 |
| Assets per employee ($millions) | 7.2154% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0492% | 3,259 |
| Loan loss allowance to noncurrent loans | 183.3418% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 1,464 |
| Noncurrent loans to loans | 0.5723% | 1,401 |
| Net loans and leases to total assets | 63.5700% | 2,134 |
| Net loans and leases to deposits | 68.8911% | 2,463 |
| Net loans and leases to core deposits | 71.1748% | 2,553 |
| Total domestic deposits to total assets | 92.2800% | 787 |
| Equity capital to assets | 5.8293% | 4,022 |
| Core capital (leverage) ratio | 8.2278% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7995% | 1,769 |
| Memoranda: |
| Average total assets | $521,749,250 | 1,689 |
| Average earning assets | $499,805,500 | 1,641 |
| Average equity | $35,048,750 | 2,139 |
| Average total loans | $331,731,250 | 1,596 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9574% | 3,657 |
| Cost of funding earning assets | 0.3139% | 1,586 |
| Net interest margin | 2.6435% | 3,828 |
| Noninterest income to average assets | 0.5733% | 1,851 |
| Noninterest expense to average assets | 3.0312% | 811 |
| Loan and lease loss provision to assets | -0.0139% | 4,412 |
| Net operating income to assets | 0.0761% | 4,532 |
| Return on assets (ROA) | 0.0761% | 4,499 |
| Pretax return on assets | 0.0908% | 4,497 |
| Return on Equity (ROE) | 1.0837% | 4,455 |
| Retained earnings to average equity (ytd only) | 1.0837% | 3,978 |
| Net charge-offs to loans | 0.0049% | 1,839 |
| Credit loss provision to net charge-offs | -450.0000% | 3,358 |
| Earnings coverage of net charge-offs (x) | 24.8750% | 1,469 |
| Efficiency ratio | 97.5264% | 224 |
| Assets per employee ($millions) | 6.6133% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0676% | 3,284 |
| Loan loss allowance to noncurrent loans | 215.1296% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 1,693 |
| Noncurrent loans to loans | 0.4963% | 1,635 |
| Net loans and leases to total assets | 64.9465% | 1,812 |
| Net loans and leases to deposits | 71.0553% | 2,104 |
| Net loans and leases to core deposits | 71.9464% | 2,339 |
| Total domestic deposits to total assets | 91.4028% | 1,064 |
| Equity capital to assets | 6.5207% | 4,013 |
| Core capital (leverage) ratio | 8.3695% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8437% | 1,752 |
| Memoranda: |
| Average total assets | $517,684,667 | 1,699 |
| Average earning assets | $496,386,667 | 1,669 |
| Average equity | $36,356,667 | 2,145 |
| Average total loans | $327,965,667 | 1,604 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7878% | 3,767 |
| Cost of funding earning assets | 0.3019% | 1,643 |
| Net interest margin | 2.4860% | 3,927 |
| Noninterest income to average assets | 0.5533% | 1,885 |
| Noninterest expense to average assets | 2.9008% | 956 |
| Loan and lease loss provision to assets | -0.0812% | 4,569 |
| Net operating income to assets | 0.0874% | 4,482 |
| Return on assets (ROA) | 0.0874% | 4,457 |
| Pretax return on assets | 0.1196% | 4,421 |
| Return on Equity (ROE) | 1.2021% | 4,391 |
| Retained earnings to average equity (ytd only) | 1.2021% | 3,775 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6962% | 267 |
| Assets per employee ($millions) | 6.9571% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0825% | 3,405 |
| Loan loss allowance to noncurrent loans | 165.8467% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 1,503 |
| Noncurrent loans to loans | 0.6527% | 1,447 |
| Net loans and leases to total assets | 60.5903% | 2,001 |
| Net loans and leases to deposits | 66.6913% | 2,274 |
| Net loans and leases to core deposits | 67.7803% | 2,473 |
| Total domestic deposits to total assets | 90.8519% | 1,106 |
| Equity capital to assets | 6.7297% | 4,329 |
| Core capital (leverage) ratio | 8.3100% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6307% | 1,941 |
| Memoranda: |
| Average total assets | $521,916,000 | 1,703 |
| Average earning assets | $500,888,500 | 1,667 |
| Average equity | $37,932,500 | 2,129 |
| Average total loans | $324,803,000 | 1,601 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3591% | 3,029 |
| Cost of funding earning assets | 0.3873% | 1,632 |
| Net interest margin | 2.9718% | 3,268 |
| Noninterest income to average assets | 1.0039% | 999 |
| Noninterest expense to average assets | 2.9786% | 1,019 |
| Loan and lease loss provision to assets | -0.0702% | 4,440 |
| Net operating income to assets | 0.6990% | 3,630 |
| Return on assets (ROA) | 0.6990% | 3,682 |
| Pretax return on assets | 0.9363% | 3,402 |
| Return on Equity (ROE) | 8.8257% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.4413% | 1,371 |
| Net charge-offs to loans | -0.0027% | 3,418 |
| Credit loss provision to net charge-offs | 3,844.4444% | 182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4733% | 996 |
| Assets per employee ($millions) | 6.4386% | 2,381 |
| Cash dividends to net income (ytd only)* | 4.3554% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1089% | 3,321 |
| Loan loss allowance to noncurrent loans | 202.8074% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 1,841 |
| Noncurrent loans to loans | 0.5468% | 1,755 |
| Net loans and leases to total assets | 62.5370% | 1,879 |
| Net loans and leases to deposits | 70.1107% | 2,122 |
| Net loans and leases to core deposits | 71.3058% | 2,320 |
| Total domestic deposits to total assets | 89.1974% | 1,416 |
| Equity capital to assets | 7.8204% | 4,459 |
| Core capital (leverage) ratio | 8.4038% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $492,673,000 | 1,714 |
| Average earning assets | $470,955,400 | 1,684 |
| Average equity | $39,022,400 | 2,117 |
| Average total loans | $333,505,200 | 1,579 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4551% | 2,948 |
| Cost of funding earning assets | 0.3618% | 2,002 |
| Net interest margin | 3.0933% | 3,070 |
| Noninterest income to average assets | 1.0243% | 1,028 |
| Noninterest expense to average assets | 2.9914% | 993 |
| Loan and lease loss provision to assets | -0.0946% | 4,588 |
| Net operating income to assets | 0.8103% | 3,502 |
| Return on assets (ROA) | 0.8103% | 3,571 |
| Pretax return on assets | 1.0810% | 3,239 |
| Return on Equity (ROE) | 10.1959% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.6792% | 1,418 |
| Net charge-offs to loans | -0.0036% | 3,343 |
| Credit loss provision to net charge-offs | 3,844.4444% | 201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2047% | 1,100 |
| Assets per employee ($millions) | 6.8571% | 1,971 |
| Cash dividends to net income (ytd only)* | 5.0676% | 3,122 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1198% | 3,348 |
| Loan loss allowance to noncurrent loans | 164.1072% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 1,747 |
| Noncurrent loans to loans | 0.6824% | 1,614 |
| Net loans and leases to total assets | 62.0150% | 2,000 |
| Net loans and leases to deposits | 70.4802% | 2,190 |
| Net loans and leases to core deposits | 71.7036% | 2,450 |
| Total domestic deposits to total assets | 87.9893% | 1,852 |
| Equity capital to assets | 7.8719% | 4,573 |
| Core capital (leverage) ratio | 8.4438% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $487,069,000 | 1,747 |
| Average earning assets | $465,041,000 | 1,715 |
| Average equity | $38,707,500 | 2,152 |
| Average total loans | $335,448,250 | 1,603 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4461% | 3,036 |
| Cost of funding earning assets | 0.3667% | 2,167 |
| Net interest margin | 3.0794% | 3,089 |
| Noninterest income to average assets | 1.0368% | 1,016 |
| Noninterest expense to average assets | 2.9962% | 990 |
| Loan and lease loss provision to assets | -0.1448% | 4,703 |
| Net operating income to assets | 0.8498% | 3,368 |
| Return on assets (ROA) | 0.8498% | 3,443 |
| Pretax return on assets | 1.1197% | 3,146 |
| Return on Equity (ROE) | 10.6571% | 2,544 |
| Retained earnings to average equity (ytd only) | 9.8700% | 1,436 |
| Net charge-offs to loans | 0.0294% | 1,369 |
| Credit loss provision to net charge-offs | -692.0000% | 3,559 |
| Earnings coverage of net charge-offs (x) | 46.6000% | 1,098 |
| Efficiency ratio | 75.4504% | 1,134 |
| Assets per employee ($millions) | 6.6990% | 2,023 |
| Cash dividends to net income (ytd only)* | 7.3855% | 2,931 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0328% | 3,705 |
| Loan loss allowance to noncurrent loans | 145.6745% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 1,728 |
| Noncurrent loans to loans | 0.7090% | 1,667 |
| Net loans and leases to total assets | 67.7640% | 1,478 |
| Net loans and leases to deposits | 77.2148% | 1,706 |
| Net loans and leases to core deposits | 78.5562% | 1,998 |
| Total domestic deposits to total assets | 87.7604% | 1,955 |
| Equity capital to assets | 7.8437% | 4,610 |
| Core capital (leverage) ratio | 8.6138% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $477,998,000 | 1,764 |
| Average earning assets | $455,471,333 | 1,740 |
| Average equity | $38,115,333 | 2,171 |
| Average total loans | $339,749,667 | 1,596 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5593% | 2,766 |
| Cost of funding earning assets | 0.3250% | 2,750 |
| Net interest margin | 3.2343% | 2,589 |
| Noninterest income to average assets | 1.0958% | 987 |
| Noninterest expense to average assets | 3.1740% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7600% | 3,545 |
| Return on assets (ROA) | 0.7600% | 3,618 |
| Pretax return on assets | 0.9987% | 3,376 |
| Return on Equity (ROE) | 9.4479% | 2,868 |
| Retained earnings to average equity (ytd only) | 9.4479% | 1,812 |
| Net charge-offs to loans | -0.0118% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0650% | 1,127 |
| Assets per employee ($millions) | 6.4521% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1676% | 3,104 |
| Loan loss allowance to noncurrent loans | 143.7024% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 1,647 |
| Noncurrent loans to loans | 0.8125% | 1,640 |
| Net loans and leases to total assets | 70.1903% | 1,263 |
| Net loans and leases to deposits | 80.2120% | 1,501 |
| Net loans and leases to core deposits | 81.7342% | 1,865 |
| Total domestic deposits to total assets | 87.5060% | 2,085 |
| Equity capital to assets | 7.8515% | 4,573 |
| Core capital (leverage) ratio | 8.8381% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $465,784,000 | 1,789 |
| Average earning assets | $443,126,000 | 1,767 |
| Average equity | $37,468,500 | 2,182 |
| Average total loans | $337,616,000 | 1,605 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8942% | 3,042 |
| Cost of funding earning assets | 0.6132% | 2,223 |
| Net interest margin | 3.2811% | 3,121 |
| Noninterest income to average assets | 1.3561% | 634 |
| Noninterest expense to average assets | 3.4032% | 793 |
| Loan and lease loss provision to assets | 0.2233% | 1,750 |
| Net operating income to assets | 0.6523% | 3,585 |
| Return on assets (ROA) | 0.6762% | 3,633 |
| Pretax return on assets | 0.8709% | 3,448 |
| Return on Equity (ROE) | 8.0709% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.0709% | 1,033 |
| Net charge-offs to loans | 0.0763% | 1,719 |
| Credit loss provision to net charge-offs | 372.6563% | 1,517 |
| Earnings coverage of net charge-offs (x) | 17.7578% | 2,059 |
| Efficiency ratio | 76.1815% | 1,204 |
| Assets per employee ($millions) | 5.8976% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1748% | 3,084 |
| Loan loss allowance to noncurrent loans | 126.1661% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 1,513 |
| Noncurrent loans to loans | 0.9311% | 1,510 |
| Net loans and leases to total assets | 73.1529% | 1,138 |
| Net loans and leases to deposits | 84.5251% | 1,406 |
| Net loans and leases to core deposits | 86.5742% | 1,820 |
| Total domestic deposits to total assets | 86.5457% | 2,123 |
| Equity capital to assets | 8.2468% | 4,601 |
| Core capital (leverage) ratio | 8.8946% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $427,242,600 | 1,776 |
| Average earning assets | $405,112,600 | 1,748 |
| Average equity | $35,795,400 | 2,189 |
| Average total loans | $335,466,800 | 1,555 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8999% | 3,254 |
| Cost of funding earning assets | 0.6043% | 2,583 |
| Net interest margin | 3.2957% | 3,207 |
| Noninterest income to average assets | 1.2872% | 657 |
| Noninterest expense to average assets | 3.4128% | 788 |
| Loan and lease loss provision to assets | 0.2081% | 1,931 |
| Net operating income to assets | 0.6055% | 3,745 |
| Return on assets (ROA) | 0.5669% | 3,954 |
| Pretax return on assets | 0.7406% | 3,798 |
| Return on Equity (ROE) | 6.7378% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.7378% | 1,802 |
| Net charge-offs to loans | 0.0445% | 1,988 |
| Credit loss provision to net charge-offs | 585.7143% | 1,173 |
| Earnings coverage of net charge-offs (x) | 28.0893% | 1,641 |
| Efficiency ratio | 77.3832% | 1,099 |
| Assets per employee ($millions) | 5.6783% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0970% | 3,226 |
| Loan loss allowance to noncurrent loans | 132.5533% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 1,828 |
| Noncurrent loans to loans | 0.8276% | 1,770 |
| Net loans and leases to total assets | 76.2722% | 1,058 |
| Net loans and leases to deposits | 89.6472% | 1,305 |
| Net loans and leases to core deposits | 91.9475% | 1,801 |
| Total domestic deposits to total assets | 85.0804% | 2,406 |
| Equity capital to assets | 8.0961% | 4,682 |
| Core capital (leverage) ratio | 8.9626% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $420,524,250 | 1,773 |
| Average earning assets | $398,493,000 | 1,751 |
| Average equity | $35,381,750 | 2,199 |
| Average total loans | $335,296,500 | 1,547 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0294% | 3,252 |
| Cost of funding earning assets | 0.6850% | 2,476 |
| Net interest margin | 3.3444% | 3,258 |
| Noninterest income to average assets | 1.0886% | 840 |
| Noninterest expense to average assets | 3.3855% | 874 |
| Loan and lease loss provision to assets | 0.2957% | 1,454 |
| Net operating income to assets | 0.4712% | 4,084 |
| Return on assets (ROA) | 0.1469% | 4,668 |
| Pretax return on assets | 0.1800% | 4,653 |
| Return on Equity (ROE) | 1.7223% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.7223% | 3,865 |
| Net charge-offs to loans | 0.0109% | 2,560 |
| Credit loss provision to net charge-offs | 3,377.7778% | 324 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 702 |
| Efficiency ratio | 79.5338% | 924 |
| Assets per employee ($millions) | 5.5404% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1109% | 2,992 |
| Loan loss allowance to noncurrent loans | 138.6643% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 1,749 |
| Noncurrent loans to loans | 0.8011% | 1,892 |
| Net loans and leases to total assets | 79.1206% | 707 |
| Net loans and leases to deposits | 93.2994% | 1,020 |
| Net loans and leases to core deposits | 95.8672% | 1,587 |
| Total domestic deposits to total assets | 84.8029% | 2,473 |
| Equity capital to assets | 8.2891% | 4,594 |
| Core capital (leverage) ratio | 8.8922% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $411,171,000 | 1,777 |
| Average earning assets | $389,490,000 | 1,757 |
| Average equity | $35,069,667 | 2,199 |
| Average total loans | $331,748,667 | 1,545 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2197% | 3,148 |
| Cost of funding earning assets | 0.7812% | 2,495 |
| Net interest margin | 3.4385% | 3,189 |
| Noninterest income to average assets | 0.6848% | 1,707 |
| Noninterest expense to average assets | 3.4032% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4353% | 4,060 |
| Return on assets (ROA) | -1.0881% | 4,982 |
| Pretax return on assets | -1.3247% | 4,982 |
| Return on Equity (ROE) | -12.5670% | 5,020 |
| Retained earnings to average equity (ytd only) | -12.5670% | 4,839 |
| Net charge-offs to loans | 0.0185% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 1,079 |
| Efficiency ratio | 86.4570% | 670 |
| Assets per employee ($millions) | 5.0479% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0031% | 3,689 |
| Loan loss allowance to noncurrent loans | 133.1139% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 1,953 |
| Noncurrent loans to loans | 0.7536% | 2,119 |
| Net loans and leases to total assets | 81.1076% | 549 |
| Net loans and leases to deposits | 96.9711% | 819 |
| Net loans and leases to core deposits | 102.5836% | 1,275 |
| Total domestic deposits to total assets | 83.6410% | 2,908 |
| Equity capital to assets | 8.6875% | 4,749 |
| Core capital (leverage) ratio | 9.1308% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $400,682,500 | 1,764 |
| Average earning assets | $378,888,500 | 1,744 |
| Average equity | $34,694,000 | 2,216 |
| Average total loans | $324,743,500 | 1,538 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4643% | 3,071 |
| Cost of funding earning assets | 1.0267% | 1,614 |
| Net interest margin | 3.4377% | 3,631 |
| Noninterest income to average assets | 1.0412% | 887 |
| Noninterest expense to average assets | 3.4537% | 1,028 |
| Loan and lease loss provision to assets | 0.0566% | 2,900 |
| Net operating income to assets | 0.6367% | 4,053 |
| Return on assets (ROA) | 0.8225% | 3,571 |
| Pretax return on assets | 1.0089% | 3,443 |
| Return on Equity (ROE) | 9.6841% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.6841% | 551 |
| Net charge-offs to loans | 0.0409% | 2,569 |
| Credit loss provision to net charge-offs | 168.9394% | 1,536 |
| Earnings coverage of net charge-offs (x) | 25.0227% | 1,747 |
| Efficiency ratio | 80.4556% | 907 |
| Assets per employee ($millions) | 5.2938% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9945% | 3,556 |
| Loan loss allowance to noncurrent loans | 156.6747% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 2,379 |
| Noncurrent loans to loans | 0.6348% | 2,298 |
| Net loans and leases to total assets | 79.3982% | 874 |
| Net loans and leases to deposits | 94.2983% | 1,129 |
| Net loans and leases to core deposits | 102.4274% | 1,365 |
| Total domestic deposits to total assets | 84.1990% | 2,789 |
| Equity capital to assets | 8.6310% | 4,858 |
| Core capital (leverage) ratio | 9.3236% | 4,256 |
| Tier 1 risk-based capital ratio | 12.4766% | 4,081 |
| Total risk-based capital ratio | 13.5619% | 4,047 |
| Memoranda: |
| Average total assets | $393,694,200 | 1,758 |
| Average earning assets | $372,373,400 | 1,743 |
| Average equity | $33,436,200 | 2,210 |
| Average total loans | $322,434,000 | 1,520 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5147% | 3,014 |
| Cost of funding earning assets | 0.9949% | 1,785 |
| Net interest margin | 3.5198% | 3,504 |
| Noninterest income to average assets | 0.9779% | 979 |
| Noninterest expense to average assets | 3.4637% | 993 |
| Loan and lease loss provision to assets | 0.0871% | 2,174 |
| Net operating income to assets | 0.6271% | 4,225 |
| Return on assets (ROA) | 0.6625% | 4,184 |
| Pretax return on assets | 0.7978% | 4,121 |
| Return on Equity (ROE) | 7.8342% | 3,370 |
| Retained earnings to average equity (ytd only) | 7.8342% | 1,477 |
| Net charge-offs to loans | 0.0361% | 2,360 |
| Credit loss provision to net charge-offs | 293.1034% | 964 |
| Earnings coverage of net charge-offs (x) | 28.3326% | 1,690 |
| Efficiency ratio | 80.4396% | 883 |
| Assets per employee ($millions) | 5.2678% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0168% | 3,475 |
| Loan loss allowance to noncurrent loans | 126.5399% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 2,046 |
| Noncurrent loans to loans | 0.8035% | 1,964 |
| Net loans and leases to total assets | 80.9244% | 715 |
| Net loans and leases to deposits | 98.2812% | 789 |
| Net loans and leases to core deposits | 104.7126% | 1,283 |
| Total domestic deposits to total assets | 82.3396% | 3,374 |
| Equity capital to assets | 8.5632% | 4,973 |
| Core capital (leverage) ratio | 9.0975% | 4,554 |
| Tier 1 risk-based capital ratio | 12.3534% | 4,224 |
| Total risk-based capital ratio | 13.4931% | 4,172 |
| Memoranda: |
| Average total assets | $390,211,500 | 1,786 |
| Average earning assets | $368,947,000 | 1,767 |
| Average equity | $32,999,750 | 2,256 |
| Average total loans | $321,318,000 | 1,534 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5271% | 2,931 |
| Cost of funding earning assets | 0.9958% | 1,717 |
| Net interest margin | 3.5313% | 3,497 |
| Noninterest income to average assets | 0.9606% | 951 |
| Noninterest expense to average assets | 3.4532% | 1,020 |
| Loan and lease loss provision to assets | 0.0920% | 2,013 |
| Net operating income to assets | 0.6343% | 4,211 |
| Return on assets (ROA) | 0.6773% | 4,131 |
| Pretax return on assets | 0.8035% | 4,085 |
| Return on Equity (ROE) | 8.0437% | 3,275 |
| Retained earnings to average equity (ytd only) | 8.0437% | 1,374 |
| Net charge-offs to loans | 0.0545% | 1,867 |
| Credit loss provision to net charge-offs | 204.5977% | 1,186 |
| Earnings coverage of net charge-offs (x) | 18.7701% | 1,847 |
| Efficiency ratio | 80.3537% | 941 |
| Assets per employee ($millions) | 5.0270% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0127% | 3,548 |
| Loan loss allowance to noncurrent loans | 125.1347% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 2,045 |
| Noncurrent loans to loans | 0.8093% | 1,975 |
| Net loans and leases to total assets | 82.0965% | 598 |
| Net loans and leases to deposits | 99.9962% | 680 |
| Net loans and leases to core deposits | 105.8695% | 1,250 |
| Total domestic deposits to total assets | 82.0996% | 3,481 |
| Equity capital to assets | 8.6876% | 4,965 |
| Core capital (leverage) ratio | 9.0081% | 4,619 |
| Tier 1 risk-based capital ratio | 11.6464% | 4,611 |
| Total risk-based capital ratio | 12.7737% | 4,563 |
| Memoranda: |
| Average total assets | $386,830,670 | 1,802 |
| Average earning assets | $365,532,330 | 1,780 |
| Average equity | $32,572,000 | 2,268 |
| Average total loans | $319,320,000 | 1,548 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4979% | 2,874 |
| Cost of funding earning assets | 1.0139% | 1,514 |
| Net interest margin | 3.4840% | 3,638 |
| Noninterest income to average assets | 1.0075% | 791 |
| Noninterest expense to average assets | 3.4910% | 974 |
| Loan and lease loss provision to assets | 0.0952% | 1,836 |
| Net operating income to assets | 0.6173% | 4,188 |
| Return on assets (ROA) | 0.7054% | 3,961 |
| Pretax return on assets | 0.8141% | 4,008 |
| Return on Equity (ROE) | 8.5133% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.5133% | 1,487 |
| Net charge-offs to loans | 0.0327% | 1,801 |
| Credit loss provision to net charge-offs | 353.8462% | 755 |
| Earnings coverage of net charge-offs (x) | 30.0385% | 1,333 |
| Efficiency ratio | 81.2079% | 950 |
| Assets per employee ($millions) | 5.1575% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0029% | 3,688 |
| Loan loss allowance to noncurrent loans | 106.8212% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 1,854 |
| Noncurrent loans to loans | 0.9389% | 1,786 |
| Net loans and leases to total assets | 80.1840% | 813 |
| Net loans and leases to deposits | 93.9424% | 1,185 |
| Net loans and leases to core deposits | 97.6207% | 1,806 |
| Total domestic deposits to total assets | 85.3544% | 2,543 |
| Equity capital to assets | 8.2392% | 5,111 |
| Core capital (leverage) ratio | 8.6993% | 4,870 |
| Tier 1 risk-based capital ratio | 11.6990% | 4,625 |
| Total risk-based capital ratio | 12.8241% | 4,585 |
| Memoranda: |
| Average total assets | $386,705,500 | 1,819 |
| Average earning assets | $365,328,500 | 1,793 |
| Average equity | $32,044,000 | 2,295 |
| Average total loans | $318,464,500 | 1,566 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4265% | 2,674 |
| Cost of funding earning assets | 0.7424% | 1,838 |
| Net interest margin | 3.6842% | 3,100 |
| Noninterest income to average assets | 0.7296% | 1,733 |
| Noninterest expense to average assets | 3.5424% | 941 |
| Loan and lease loss provision to assets | 0.0671% | 2,810 |
| Net operating income to assets | 0.4834% | 4,693 |
| Return on assets (ROA) | 0.6532% | 4,282 |
| Pretax return on assets | 0.7858% | 4,209 |
| Return on Equity (ROE) | 7.8207% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.2522% | 1,558 |
| Net charge-offs to loans | 0.0180% | 3,097 |
| Credit loss provision to net charge-offs | 447.2727% | 765 |
| Earnings coverage of net charge-offs (x) | 43.2000% | 1,243 |
| Efficiency ratio | 84.5302% | 612 |
| Assets per employee ($millions) | 4.8242% | 2,707 |
| Cash dividends to net income (ytd only)* | 7.2682% | 3,896 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0023% | 3,671 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 1,360 |
| Noncurrent loans to loans | 1.2028% | 1,332 |
| Net loans and leases to total assets | 82.9455% | 518 |
| Net loans and leases to deposits | 103.1952% | 528 |
| Net loans and leases to core deposits | 110.1246% | 991 |
| Total domestic deposits to total assets | 80.3772% | 4,020 |
| Equity capital to assets | 8.3362% | 5,027 |
| Core capital (leverage) ratio | 8.9165% | 4,731 |
| Tier 1 risk-based capital ratio | 11.6392% | 4,650 |
| Total risk-based capital ratio | 12.7381% | 4,632 |
| Memoranda: |
| Average total assets | $366,503,400 | 1,846 |
| Average earning assets | $344,311,600 | 1,834 |
| Average equity | $30,611,200 | 2,303 |
| Average total loans | $305,136,400 | 1,576 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3608% | 2,760 |
| Cost of funding earning assets | 0.7084% | 1,802 |
| Net interest margin | 3.6524% | 3,193 |
| Noninterest income to average assets | 0.7662% | 1,599 |
| Noninterest expense to average assets | 3.5060% | 978 |
| Loan and lease loss provision to assets | 0.0710% | 2,540 |
| Net operating income to assets | 0.5048% | 4,754 |
| Return on assets (ROA) | 0.7332% | 4,138 |
| Pretax return on assets | 0.9002% | 4,021 |
| Return on Equity (ROE) | 8.7741% | 3,206 |
| Retained earnings to average equity (ytd only) | 8.0115% | 1,649 |
| Net charge-offs to loans | 0.0044% | 3,295 |
| Credit loss provision to net charge-offs | 1,940.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 188.2423% | 459 |
| Efficiency ratio | 83.5705% | 672 |
| Assets per employee ($millions) | 4.8495% | 2,660 |
| Cash dividends to net income (ytd only)* | 8.6911% | 3,425 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0054% | 3,719 |
| Loan loss allowance to noncurrent loans | 66.5752% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2683% | 1,086 |
| Noncurrent loans to loans | 1.5102% | 1,078 |
| Net loans and leases to total assets | 83.1364% | 548 |
| Net loans and leases to deposits | 106.9495% | 400 |
| Net loans and leases to core deposits | 110.8600% | 983 |
| Total domestic deposits to total assets | 77.7343% | 4,522 |
| Equity capital to assets | 8.4112% | 4,976 |
| Core capital (leverage) ratio | 8.8414% | 4,853 |
| Tier 1 risk-based capital ratio | 11.3821% | 4,852 |
| Total risk-based capital ratio | 12.5267% | 4,806 |
| Memoranda: |
| Average total assets | $364,057,500 | 1,868 |
| Average earning assets | $341,796,250 | 1,852 |
| Average equity | $30,422,000 | 2,317 |
| Average total loans | $302,602,250 | 1,598 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2701% | 2,869 |
| Cost of funding earning assets | 0.6560% | 1,894 |
| Net interest margin | 3.6141% | 3,261 |
| Noninterest income to average assets | 0.7580% | 1,616 |
| Noninterest expense to average assets | 3.5147% | 978 |
| Loan and lease loss provision to assets | 0.0792% | 2,322 |
| Net operating income to assets | 0.4479% | 4,862 |
| Return on assets (ROA) | 0.7935% | 3,878 |
| Pretax return on assets | 0.9791% | 3,726 |
| Return on Equity (ROE) | 9.5171% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.3607% | 1,466 |
| Net charge-offs to loans | 0.0100% | 2,777 |
| Credit loss provision to net charge-offs | 953.3333% | 425 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 852 |
| Efficiency ratio | 84.7655% | 644 |
| Assets per employee ($millions) | 4.9081% | 2,549 |
| Cash dividends to net income (ytd only)* | 12.1508% | 3,244 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0056% | 3,803 |
| Loan loss allowance to noncurrent loans | 72.1911% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 1,254 |
| Noncurrent loans to loans | 1.3930% | 1,216 |
| Net loans and leases to total assets | 80.6701% | 916 |
| Net loans and leases to deposits | 99.9177% | 812 |
| Net loans and leases to core deposits | 105.8955% | 1,250 |
| Total domestic deposits to total assets | 80.7366% | 4,068 |
| Equity capital to assets | 8.0527% | 5,205 |
| Core capital (leverage) ratio | 8.7878% | 4,894 |
| Tier 1 risk-based capital ratio | 11.2360% | 4,930 |
| Total risk-based capital ratio | 12.3529% | 4,897 |
| Memoranda: |
| Average total assets | $360,940,670 | 1,882 |
| Average earning assets | $338,399,670 | 1,877 |
| Average equity | $30,093,330 | 2,342 |
| Average total loans | $298,939,330 | 1,610 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1677% | 3,003 |
| Cost of funding earning assets | 0.6165% | 1,934 |
| Net interest margin | 3.5512% | 3,339 |
| Noninterest income to average assets | 0.7014% | 1,822 |
| Noninterest expense to average assets | 3.5432% | 931 |
| Loan and lease loss provision to assets | 0.1033% | 1,798 |
| Net operating income to assets | 0.3019% | 5,091 |
| Return on assets (ROA) | 1.0010% | 2,877 |
| Pretax return on assets | 1.2495% | 2,557 |
| Return on Equity (ROE) | 11.7901% | 1,649 |
| Retained earnings to average equity (ytd only) | 10.3999% | 1,043 |
| Net charge-offs to loans | 0.0082% | 2,446 |
| Credit loss provision to net charge-offs | 1,516.6667% | 237 |
| Earnings coverage of net charge-offs (x) | 70.3333% | 769 |
| Efficiency ratio | 88.0926% | 535 |
| Assets per employee ($millions) | 4.8154% | 2,718 |
| Cash dividends to net income (ytd only)* | 11.7914% | 2,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0212% | 3,836 |
| Loan loss allowance to noncurrent loans | 66.3048% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 1,127 |
| Noncurrent loans to loans | 1.5402% | 1,138 |
| Net loans and leases to total assets | 83.0694% | 530 |
| Net loans and leases to deposits | 114.6977% | 169 |
| Net loans and leases to core deposits | 123.5618% | 486 |
| Total domestic deposits to total assets | 72.4246% | 5,256 |
| Equity capital to assets | 8.3938% | 5,051 |
| Core capital (leverage) ratio | 9.0578% | 4,617 |
| Tier 1 risk-based capital ratio | 11.3931% | 4,929 |
| Total risk-based capital ratio | 12.5181% | 4,890 |
| Memoranda: |
| Average total assets | $352,449,500 | 1,942 |
| Average earning assets | $329,579,000 | 1,923 |
| Average equity | $29,923,500 | 2,374 |
| Average total loans | $294,425,000 | 1,638 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1000% | 3,056 |
| Cost of funding earning assets | 0.5106% | 2,248 |
| Net interest margin | 3.5895% | 3,211 |
| Noninterest income to average assets | 0.9697% | 1,093 |
| Noninterest expense to average assets | 3.5856% | 909 |
| Loan and lease loss provision to assets | 0.1121% | 2,026 |
| Net operating income to assets | 0.1615% | 5,177 |
| Return on assets (ROA) | 0.2297% | 5,067 |
| Pretax return on assets | 0.7164% | 4,471 |
| Return on Equity (ROE) | 2.6922% | 4,913 |
| Retained earnings to average equity (ytd only) | 0.8053% | 4,712 |
| Net charge-offs to loans | 0.0916% | 2,168 |
| Credit loss provision to net charge-offs | 146.9466% | 1,813 |
| Earnings coverage of net charge-offs (x) | 9.4656% | 2,784 |
| Efficiency ratio | 83.2398% | 835 |
| Assets per employee ($millions) | 4.8412% | 2,685 |
| Cash dividends to net income (ytd only)* | 70.0887% | 1,263 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0245% | 3,776 |
| Loan loss allowance to noncurrent loans | 65.3245% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 1,061 |
| Noncurrent loans to loans | 1.5684% | 1,076 |
| Net loans and leases to total assets | 82.2867% | 642 |
| Net loans and leases to deposits | 117.8641% | 129 |
| Net loans and leases to core deposits | 122.1971% | 519 |
| Total domestic deposits to total assets | 69.8149% | 5,411 |
| Equity capital to assets | 8.5887% | 5,051 |
| Core capital (leverage) ratio | 8.9281% | 4,730 |
| Tier 1 risk-based capital ratio | 11.4468% | 4,887 |
| Total risk-based capital ratio | 12.7041% | 4,771 |
| Memoranda: |
| Average total assets | $343,510,800 | 1,949 |
| Average earning assets | $319,435,200 | 1,939 |
| Average equity | $29,306,400 | 2,405 |
| Average total loans | $285,896,400 | 1,625 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0644% | 3,114 |
| Cost of funding earning assets | 0.4974% | 2,291 |
| Net interest margin | 3.5671% | 3,268 |
| Noninterest income to average assets | 0.9591% | 1,121 |
| Noninterest expense to average assets | 3.5837% | 892 |
| Loan and lease loss provision to assets | 0.0931% | 2,225 |
| Net operating income to assets | 0.4558% | 4,869 |
| Return on assets (ROA) | 0.5236% | 4,699 |
| Pretax return on assets | 0.6853% | 4,644 |
| Return on Equity (ROE) | 6.1476% | 4,056 |
| Retained earnings to average equity (ytd only) | 4.0252% | 3,527 |
| Net charge-offs to loans | 0.0342% | 2,746 |
| Credit loss provision to net charge-offs | 327.3973% | 919 |
| Earnings coverage of net charge-offs (x) | 24.2331% | 1,782 |
| Efficiency ratio | 83.8713% | 763 |
| Assets per employee ($millions) | 4.8446% | 2,637 |
| Cash dividends to net income (ytd only)* | 34.5237% | 2,544 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0387% | 3,849 |
| Loan loss allowance to noncurrent loans | 64.2629% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.4048% | 1,103 |
| Noncurrent loans to loans | 1.6164% | 1,133 |
| Net loans and leases to total assets | 82.2667% | 638 |
| Net loans and leases to deposits | 120.0136% | 103 |
| Net loans and leases to core deposits | 124.5636% | 445 |
| Total domestic deposits to total assets | 68.5478% | 5,519 |
| Equity capital to assets | 8.6643% | 5,176 |
| Core capital (leverage) ratio | 9.1205% | 4,613 |
| Tier 1 risk-based capital ratio | 11.5831% | 4,897 |
| Total risk-based capital ratio | 12.8426% | 4,778 |
| Memoranda: |
| Average total assets | $342,247,750 | 1,968 |
| Average earning assets | $317,936,750 | 1,961 |
| Average equity | $29,148,750 | 2,435 |
| Average total loans | $284,923,000 | 1,642 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0262% | 3,106 |
| Cost of funding earning assets | 0.4817% | 2,316 |
| Net interest margin | 3.5446% | 3,238 |
| Noninterest income to average assets | 0.9810% | 1,069 |
| Noninterest expense to average assets | 3.5776% | 895 |
| Loan and lease loss provision to assets | 0.0541% | 2,893 |
| Net operating income to assets | 0.4807% | 4,759 |
| Return on assets (ROA) | 0.5817% | 4,438 |
| Pretax return on assets | 0.7734% | 4,361 |
| Return on Equity (ROE) | 6.8702% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.6959% | 2,915 |
| Net charge-offs to loans | 0.0508% | 2,203 |
| Credit loss provision to net charge-offs | 127.7778% | 1,704 |
| Earnings coverage of net charge-offs (x) | 16.3611% | 1,986 |
| Efficiency ratio | 83.7763% | 863 |
| Assets per employee ($millions) | 4.6609% | 2,846 |
| Cash dividends to net income (ytd only)* | 31.6481% | 2,719 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0009% | 4,142 |
| Loan loss allowance to noncurrent loans | 59.6835% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4540% | 1,068 |
| Noncurrent loans to loans | 1.6771% | 1,088 |
| Net loans and leases to total assets | 82.1864% | 641 |
| Net loans and leases to deposits | 114.5920% | 187 |
| Net loans and leases to core deposits | 119.4286% | 579 |
| Total domestic deposits to total assets | 71.7209% | 5,471 |
| Equity capital to assets | 8.4986% | 5,305 |
| Core capital (leverage) ratio | 9.2665% | 4,406 |
| Tier 1 risk-based capital ratio | 11.7550% | 4,798 |
| Total risk-based capital ratio | 12.9500% | 4,719 |
| Memoranda: |
| Average total assets | $340,059,670 | 1,981 |
| Average earning assets | $315,580,670 | 1,979 |
| Average equity | $28,791,000 | 2,450 |
| Average total loans | $283,241,330 | 1,648 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0113% | 2,991 |
| Cost of funding earning assets | 0.4779% | 2,263 |
| Net interest margin | 3.5334% | 3,151 |
| Noninterest income to average assets | 0.9039% | 1,223 |
| Noninterest expense to average assets | 3.6750% | 804 |
| Loan and lease loss provision to assets | 0.0545% | 2,713 |
| Net operating income to assets | 0.3556% | 5,061 |
| Return on assets (ROA) | 0.4857% | 4,677 |
| Pretax return on assets | 0.6149% | 4,698 |
| Return on Equity (ROE) | 5.7482% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.2341% | 3,329 |
| Net charge-offs to loans | 0.1108% | 1,283 |
| Credit loss provision to net charge-offs | 58.9744% | 1,913 |
| Earnings coverage of net charge-offs (x) | 5.4615% | 2,292 |
| Efficiency ratio | 87.9252% | 665 |
| Assets per employee ($millions) | 4.6541% | 2,916 |
| Cash dividends to net income (ytd only)* | 26.3415% | 2,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9966% | 4,315 |
| Loan loss allowance to noncurrent loans | 61.3205% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4558% | 1,125 |
| Noncurrent loans to loans | 1.6252% | 1,198 |
| Net loans and leases to total assets | 82.2816% | 540 |
| Net loans and leases to deposits | 114.6998% | 140 |
| Net loans and leases to core deposits | 119.9100% | 466 |
| Total domestic deposits to total assets | 71.7365% | 5,555 |
| Equity capital to assets | 8.4595% | 5,267 |
| Core capital (leverage) ratio | 9.2731% | 4,378 |
| Tier 1 risk-based capital ratio | 11.8463% | 4,815 |
| Total risk-based capital ratio | 13.0327% | 4,770 |
| Memoranda: |
| Average total assets | $337,637,000 | 2,007 |
| Average earning assets | $313,014,000 | 2,008 |
| Average equity | $28,530,500 | 2,476 |
| Average total loans | $281,696,500 | 1,664 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0111% | 3,160 |
| Cost of funding earning assets | 0.4770% | 2,283 |
| Net interest margin | 3.5341% | 3,302 |
| Noninterest income to average assets | 1.0288% | 1,067 |
| Noninterest expense to average assets | 3.8968% | 693 |
| Loan and lease loss provision to assets | 0.0591% | 3,208 |
| Net operating income to assets | 0.2615% | 5,299 |
| Return on assets (ROA) | 0.3239% | 5,232 |
| Pretax return on assets | 0.4246% | 5,174 |
| Return on Equity (ROE) | 3.5839% | 4,988 |
| Retained earnings to average equity (ytd only) | 1.8195% | 4,489 |
| Net charge-offs to loans | 0.0348% | 3,335 |
| Credit loss provision to net charge-offs | 204.3011% | 1,385 |
| Earnings coverage of net charge-offs (x) | 13.8925% | 2,334 |
| Efficiency ratio | 90.6580% | 517 |
| Assets per employee ($millions) | 4.4148% | 3,246 |
| Cash dividends to net income (ytd only)* | 49.2322% | 2,350 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0127% | 4,237 |
| Loan loss allowance to noncurrent loans | 61.3098% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 1,113 |
| Noncurrent loans to loans | 1.6518% | 1,176 |
| Net loans and leases to total assets | 82.9095% | 490 |
| Net loans and leases to deposits | 117.8842% | 112 |
| Net loans and leases to core deposits | 122.3811% | 416 |
| Total domestic deposits to total assets | 70.3313% | 5,651 |
| Equity capital to assets | 8.4405% | 5,315 |
| Core capital (leverage) ratio | 9.2741% | 4,376 |
| Tier 1 risk-based capital ratio | 11.8513% | 4,819 |
| Total risk-based capital ratio | 13.0381% | 4,766 |
| Memoranda: |
| Average total assets | $321,748,000 | 2,048 |
| Average earning assets | $297,675,000 | 2,059 |
| Average equity | $29,074,600 | 2,444 |
| Average total loans | $267,616,200 | 1,685 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9720% | 3,316 |
| Cost of funding earning assets | 0.4783% | 2,285 |
| Net interest margin | 3.4937% | 3,494 |
| Noninterest income to average assets | 1.0120% | 1,124 |
| Noninterest expense to average assets | 3.8482% | 713 |
| Loan and lease loss provision to assets | 0.0532% | 3,193 |
| Net operating income to assets | 0.2669% | 5,353 |
| Return on assets (ROA) | 0.3460% | 5,256 |
| Pretax return on assets | 0.4432% | 5,239 |
| Return on Equity (ROE) | 3.7635% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.4330% | 4,462 |
| Net charge-offs to loans | 0.0303% | 3,046 |
| Credit loss provision to net charge-offs | 211.6667% | 1,384 |
| Earnings coverage of net charge-offs (x) | 15.7163% | 2,164 |
| Efficiency ratio | 90.6910% | 532 |
| Assets per employee ($millions) | 4.3688% | 3,301 |
| Cash dividends to net income (ytd only)* | 35.3506% | 2,572 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0515% | 4,113 |
| Loan loss allowance to noncurrent loans | 58.6422% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.7486% | 959 |
| Noncurrent loans to loans | 1.7930% | 1,155 |
| Net loans and leases to total assets | 81.9684% | 625 |
| Net loans and leases to deposits | 113.1155% | 199 |
| Net loans and leases to core deposits | 117.5898% | 589 |
| Total domestic deposits to total assets | 72.4643% | 5,568 |
| Equity capital to assets | 8.8703% | 5,267 |
| Core capital (leverage) ratio | 9.5681% | 4,097 |
| Tier 1 risk-based capital ratio | 12.2003% | 4,677 |
| Total risk-based capital ratio | 13.4010% | 4,604 |
| Memoranda: |
| Average total assets | $318,303,750 | 2,074 |
| Average earning assets | $294,388,500 | 2,085 |
| Average equity | $29,263,250 | 2,433 |
| Average total loans | $264,263,250 | 1,711 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9563% | 3,400 |
| Cost of funding earning assets | 0.4815% | 2,256 |
| Net interest margin | 3.4748% | 3,590 |
| Noninterest income to average assets | 1.0258% | 1,063 |
| Noninterest expense to average assets | 4.0374% | 565 |
| Loan and lease loss provision to assets | 0.0411% | 3,338 |
| Net operating income to assets | 0.1366% | 5,624 |
| Return on assets (ROA) | 0.2438% | 5,506 |
| Pretax return on assets | 0.2887% | 5,516 |
| Return on Equity (ROE) | 2.6206% | 5,360 |
| Retained earnings to average equity (ytd only) | 1.2628% | 4,881 |
| Net charge-offs to loans | 0.0403% | 2,652 |
| Credit loss provision to net charge-offs | 122.6415% | 1,833 |
| Earnings coverage of net charge-offs (x) | 6.0377% | 2,788 |
| Efficiency ratio | 95.2324% | 370 |
| Assets per employee ($millions) | 4.2172% | 3,528 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,884 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0378% | 4,300 |
| Loan loss allowance to noncurrent loans | 69.7398% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.5728% | 1,188 |
| Noncurrent loans to loans | 1.4881% | 1,474 |
| Net loans and leases to total assets | 82.1434% | 611 |
| Net loans and leases to deposits | 114.8678% | 166 |
| Net loans and leases to core deposits | 119.6697% | 521 |
| Total domestic deposits to total assets | 71.5113% | 5,698 |
| Equity capital to assets | 9.2756% | 5,000 |
| Core capital (leverage) ratio | 9.5708% | 4,105 |
| Tier 1 risk-based capital ratio | 12.1232% | 4,759 |
| Total risk-based capital ratio | 13.2823% | 4,718 |
| Memoranda: |
| Average total assets | $316,640,670 | 2,088 |
| Average earning assets | $292,848,330 | 2,099 |
| Average equity | $29,458,670 | 2,402 |
| Average total loans | $263,079,670 | 1,711 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9474% | 3,412 |
| Cost of funding earning assets | 0.4785% | 2,292 |
| Net interest margin | 3.4690% | 3,591 |
| Noninterest income to average assets | 0.6266% | 2,380 |
| Noninterest expense to average assets | 3.7203% | 872 |
| Loan and lease loss provision to assets | 0.0419% | 3,089 |
| Net operating income to assets | 0.0559% | 5,735 |
| Return on assets (ROA) | 0.2593% | 5,479 |
| Pretax return on assets | 0.3254% | 5,458 |
| Return on Equity (ROE) | 2.7828% | 5,302 |
| Retained earnings to average equity (ytd only) | 1.4459% | 4,689 |
| Net charge-offs to loans | 0.0780% | 1,709 |
| Credit loss provision to net charge-offs | 64.7059% | 1,944 |
| Earnings coverage of net charge-offs (x) | 1.7451% | 2,777 |
| Efficiency ratio | 97.0491% | 371 |
| Assets per employee ($millions) | 4.2409% | 3,513 |
| Cash dividends to net income (ytd only)* | 48.0392% | 1,821 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0457% | 4,357 |
| Loan loss allowance to noncurrent loans | 75.7979% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5308% | 1,321 |
| Noncurrent loans to loans | 1.3796% | 1,727 |
| Net loans and leases to total assets | 82.3473% | 521 |
| Net loans and leases to deposits | 114.8063% | 139 |
| Net loans and leases to core deposits | 118.8977% | 498 |
| Total domestic deposits to total assets | 71.7272% | 5,792 |
| Equity capital to assets | 9.3510% | 4,837 |
| Core capital (leverage) ratio | 9.6482% | 3,969 |
| Tier 1 risk-based capital ratio | 12.5729% | 4,533 |
| Total risk-based capital ratio | 13.7486% | 4,486 |
| Memoranda: |
| Average total assets | $314,706,500 | 2,112 |
| Average earning assets | $290,923,000 | 2,118 |
| Average equity | $29,323,500 | 2,413 |
| Average total loans | $261,600,500 | 1,716 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9164% | 3,648 |
| Cost of funding earning assets | 0.4627% | 2,511 |
| Net interest margin | 3.4537% | 3,705 |
| Noninterest income to average assets | 0.9331% | 1,351 |
| Noninterest expense to average assets | 3.8242% | 839 |
| Loan and lease loss provision to assets | 0.0456% | 3,414 |
| Net operating income to assets | 0.1951% | 5,584 |
| Return on assets (ROA) | 0.3024% | 5,435 |
| Pretax return on assets | 0.3951% | 5,326 |
| Return on Equity (ROE) | 3.1506% | 5,249 |
| Retained earnings to average equity (ytd only) | 1.1836% | 5,036 |
| Net charge-offs to loans | 0.1653% | 1,713 |
| Credit loss provision to net charge-offs | 33.1754% | 3,612 |
| Earnings coverage of net charge-offs (x) | 2.1943% | 3,955 |
| Efficiency ratio | 92.6949% | 541 |
| Assets per employee ($millions) | 4.3831% | 3,248 |
| Cash dividends to net income (ytd only)* | 62.4327% | 1,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0491% | 4,325 |
| Loan loss allowance to noncurrent loans | 73.7591% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.6027% | 1,231 |
| Noncurrent loans to loans | 1.4223% | 1,636 |
| Net loans and leases to total assets | 82.1623% | 581 |
| Net loans and leases to deposits | 113.6842% | 172 |
| Net loans and leases to core deposits | 118.7713% | 515 |
| Total domestic deposits to total assets | 72.2724% | 5,785 |
| Equity capital to assets | 9.2847% | 4,810 |
| Core capital (leverage) ratio | 9.7023% | 3,905 |
| Tier 1 risk-based capital ratio | 12.6582% | 4,541 |
| Total risk-based capital ratio | 13.8984% | 4,440 |
| Memoranda: |
| Average total assets | $307,250,800 | 2,110 |
| Average earning assets | $284,011,800 | 2,109 |
| Average equity | $29,486,800 | 2,354 |
| Average total loans | $255,303,600 | 1,694 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9101% | 3,712 |
| Cost of funding earning assets | 0.4608% | 2,573 |
| Net interest margin | 3.4493% | 3,755 |
| Noninterest income to average assets | 0.8917% | 1,475 |
| Noninterest expense to average assets | 3.7753% | 881 |
| Loan and lease loss provision to assets | 0.0415% | 3,382 |
| Net operating income to assets | 0.1825% | 5,708 |
| Return on assets (ROA) | 0.3207% | 5,476 |
| Pretax return on assets | 0.4609% | 5,321 |
| Return on Equity (ROE) | 3.3137% | 5,286 |
| Retained earnings to average equity (ytd only) | 1.0474% | 5,297 |
| Net charge-offs to loans | 0.0783% | 2,429 |
| Credit loss provision to net charge-offs | 63.7584% | 2,866 |
| Earnings coverage of net charge-offs (x) | 4.6846% | 3,313 |
| Efficiency ratio | 92.5260% | 541 |
| Assets per employee ($millions) | 4.2251% | 3,469 |
| Cash dividends to net income (ytd only)* | 68.3929% | 1,093 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1619% | 3,861 |
| Loan loss allowance to noncurrent loans | 74.8178% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.6568% | 1,321 |
| Noncurrent loans to loans | 1.5529% | 1,606 |
| Net loans and leases to total assets | 82.1071% | 569 |
| Net loans and leases to deposits | 117.4958% | 129 |
| Net loans and leases to core deposits | 122.5239% | 410 |
| Total domestic deposits to total assets | 69.8809% | 5,977 |
| Equity capital to assets | 9.4707% | 4,786 |
| Core capital (leverage) ratio | 9.8300% | 3,861 |
| Tier 1 risk-based capital ratio | 13.1861% | 4,332 |
| Total risk-based capital ratio | 14.5208% | 4,197 |
| Memoranda: |
| Average total assets | $305,167,250 | 2,130 |
| Average earning assets | $282,097,500 | 2,134 |
| Average equity | $29,533,250 | 2,363 |
| Average total loans | $253,619,250 | 1,713 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8832% | 3,758 |
| Cost of funding earning assets | 0.4553% | 2,661 |
| Net interest margin | 3.4280% | 3,799 |
| Noninterest income to average assets | 0.9267% | 1,366 |
| Noninterest expense to average assets | 3.6918% | 998 |
| Loan and lease loss provision to assets | 0.0322% | 3,471 |
| Net operating income to assets | 0.2695% | 5,531 |
| Return on assets (ROA) | 0.3808% | 5,316 |
| Pretax return on assets | 0.5268% | 5,156 |
| Return on Equity (ROE) | 3.9068% | 5,048 |
| Retained earnings to average equity (ytd only) | 1.4440% | 4,972 |
| Net charge-offs to loans | 0.0696% | 2,400 |
| Credit loss provision to net charge-offs | 55.6818% | 2,643 |
| Earnings coverage of net charge-offs (x) | 6.9886% | 2,712 |
| Efficiency ratio | 90.1252% | 740 |
| Assets per employee ($millions) | 4.5155% | 2,960 |
| Cash dividends to net income (ytd only)* | 63.0397% | 1,428 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1778% | 3,922 |
| Loan loss allowance to noncurrent loans | 69.5329% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.7626% | 1,324 |
| Noncurrent loans to loans | 1.6938% | 1,527 |
| Net loans and leases to total assets | 81.7593% | 578 |
| Net loans and leases to deposits | 118.2033% | 118 |
| Net loans and leases to core deposits | 123.2357% | 385 |
| Total domestic deposits to total assets | 69.1684% | 6,069 |
| Equity capital to assets | 9.6559% | 4,462 |
| Core capital (leverage) ratio | 9.8505% | 3,804 |
| Tier 1 risk-based capital ratio | 12.8209% | 4,611 |
| Total risk-based capital ratio | 14.2163% | 4,452 |
| Memoranda: |
| Average total assets | $304,078,000 | 2,157 |
| Average earning assets | $281,157,670 | 2,156 |
| Average equity | $29,640,670 | 2,363 |
| Average total loans | $252,751,000 | 1,726 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8679% | 3,754 |
| Cost of funding earning assets | 0.4461% | 2,813 |
| Net interest margin | 3.4218% | 3,751 |
| Noninterest income to average assets | 0.9068% | 1,365 |
| Noninterest expense to average assets | 3.7979% | 880 |
| Loan and lease loss provision to assets | 0.0608% | 2,714 |
| Net operating income to assets | 0.1632% | 5,755 |
| Return on assets (ROA) | 0.4045% | 5,168 |
| Pretax return on assets | 0.5208% | 5,122 |
| Return on Equity (ROE) | 4.1300% | 4,929 |
| Retained earnings to average equity (ytd only) | 1.2687% | 4,980 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3095% | 628 |
| Assets per employee ($millions) | 4.1710% | 3,612 |
| Cash dividends to net income (ytd only)* | 69.2810% | 1,203 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2148% | 3,881 |
| Loan loss allowance to noncurrent loans | 52.1437% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 2.1594% | 1,066 |
| Noncurrent loans to loans | 2.3298% | 1,058 |
| Net loans and leases to total assets | 82.1754% | 446 |
| Net loans and leases to deposits | 115.8272% | 138 |
| Net loans and leases to core deposits | 120.6779% | 397 |
| Total domestic deposits to total assets | 70.9465% | 6,087 |
| Equity capital to assets | 9.7473% | 4,434 |
| Core capital (leverage) ratio | 9.9924% | 3,612 |
| Tier 1 risk-based capital ratio | 12.6532% | 4,809 |
| Total risk-based capital ratio | 14.0507% | 4,641 |
| Memoranda: |
| Average total assets | $302,589,500 | 2,184 |
| Average earning assets | $279,738,000 | 2,177 |
| Average equity | $29,636,500 | 2,380 |
| Average total loans | $252,107,500 | 1,726 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9712% | 3,834 |
| Cost of funding earning assets | 0.4713% | 2,968 |
| Net interest margin | 3.4999% | 3,794 |
| Noninterest income to average assets | 0.9291% | 1,416 |
| Noninterest expense to average assets | 3.7718% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2800% | 5,570 |
| Return on assets (ROA) | 0.2763% | 5,651 |
| Pretax return on assets | 0.3762% | 5,545 |
| Return on Equity (ROE) | 2.7423% | 5,560 |
| Retained earnings to average equity (ytd only) | 0.5246% | 5,535 |
| Net charge-offs to loans | 0.0755% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.0710% | 3,279 |
| Efficiency ratio | 90.8189% | 797 |
| Assets per employee ($millions) | 4.1191% | 3,687 |
| Cash dividends to net income (ytd only)* | 80.8696% | 871 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2079% | 3,948 |
| Loan loss allowance to noncurrent loans | 52.0075% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2268% | 1,089 |
| Noncurrent loans to loans | 2.3226% | 1,122 |
| Net loans and leases to total assets | 82.4411% | 478 |
| Net loans and leases to deposits | 117.8722% | 116 |
| Net loans and leases to core deposits | 122.5841% | 347 |
| Total domestic deposits to total assets | 69.9411% | 6,197 |
| Equity capital to assets | 9.8418% | 4,300 |
| Core capital (leverage) ratio | 9.5755% | 4,142 |
| Tier 1 risk-based capital ratio | 11.8962% | 5,429 |
| Total risk-based capital ratio | 13.3231% | 5,220 |
| Memoranda: |
| Average total assets | $291,371,600 | 2,200 |
| Average earning assets | $268,406,000 | 2,208 |
| Average equity | $29,355,000 | 2,313 |
| Average total loans | $242,329,200 | 1,742 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9727% | 3,863 |
| Cost of funding earning assets | 0.4750% | 3,003 |
| Net interest margin | 3.4978% | 3,839 |
| Noninterest income to average assets | 0.9203% | 1,450 |
| Noninterest expense to average assets | 3.8213% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2447% | 5,744 |
| Return on assets (ROA) | 0.2408% | 5,812 |
| Pretax return on assets | 0.3141% | 5,751 |
| Return on Equity (ROE) | 2.3757% | 5,743 |
| Retained earnings to average equity (ytd only) | 0.0819% | 5,770 |
| Net charge-offs to loans | 0.1016% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.7815% | 3,592 |
| Efficiency ratio | 92.2906% | 689 |
| Assets per employee ($millions) | 4.0480% | 3,781 |
| Cash dividends to net income (ytd only)* | 96.5516% | 399 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2275% | 4,088 |
| Loan loss allowance to noncurrent loans | 46.8977% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.4856% | 1,070 |
| Noncurrent loans to loans | 2.6174% | 1,094 |
| Net loans and leases to total assets | 82.5332% | 459 |
| Net loans and leases to deposits | 120.5241% | 90 |
| Net loans and leases to core deposits | 125.5691% | 290 |
| Total domestic deposits to total assets | 68.4786% | 6,331 |
| Equity capital to assets | 9.9258% | 4,264 |
| Core capital (leverage) ratio | 9.6486% | 4,154 |
| Tier 1 risk-based capital ratio | 11.9463% | 5,523 |
| Total risk-based capital ratio | 13.3560% | 5,341 |
| Memoranda: |
| Average total assets | $289,040,500 | 2,229 |
| Average earning assets | $266,106,500 | 2,239 |
| Average equity | $29,295,250 | 2,328 |
| Average total loans | $240,179,500 | 1,766 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9566% | 3,909 |
| Cost of funding earning assets | 0.4753% | 3,063 |
| Net interest margin | 3.4813% | 3,852 |
| Noninterest income to average assets | 0.9028% | 1,488 |
| Noninterest expense to average assets | 3.8120% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2311% | 5,756 |
| Return on assets (ROA) | 0.2273% | 5,829 |
| Pretax return on assets | 0.2872% | 5,810 |
| Return on Equity (ROE) | 2.2265% | 5,788 |
| Retained earnings to average equity (ytd only) | -0.5122% | 5,774 |
| Net charge-offs to loans | 0.1303% | 2,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.7032% | 3,485 |
| Efficiency ratio | 92.8826% | 703 |
| Assets per employee ($millions) | 4.2069% | 3,445 |
| Cash dividends to net income (ytd only)* | 123.0061% | 352 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2477% | 4,179 |
| Loan loss allowance to noncurrent loans | 34.7693% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 3.2528% | 753 |
| Noncurrent loans to loans | 3.5886% | 728 |
| Net loans and leases to total assets | 82.2139% | 455 |
| Net loans and leases to deposits | 120.8959% | 83 |
| Net loans and leases to core deposits | 125.9763% | 269 |
| Total domestic deposits to total assets | 68.0038% | 6,424 |
| Equity capital to assets | 9.9653% | 4,159 |
| Core capital (leverage) ratio | 9.8181% | 3,859 |
| Tier 1 risk-based capital ratio | 11.8461% | 5,626 |
| Total risk-based capital ratio | 13.2555% | 5,469 |
| Memoranda: |
| Average total assets | $286,886,000 | 2,243 |
| Average earning assets | $263,812,670 | 2,253 |
| Average equity | $29,283,330 | 2,311 |
| Average total loans | $237,932,670 | 1,771 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9652% | 3,834 |
| Cost of funding earning assets | 0.4760% | 3,167 |
| Net interest margin | 3.4892% | 3,745 |
| Noninterest income to average assets | 0.8676% | 1,491 |
| Noninterest expense to average assets | 3.6653% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2704% | 5,595 |
| Return on assets (ROA) | 0.2656% | 5,654 |
| Pretax return on assets | 0.3956% | 5,468 |
| Return on Equity (ROE) | 2.5708% | 5,602 |
| Retained earnings to average equity (ytd only) | -0.9845% | 5,723 |
| Net charge-offs to loans | 0.0939% | 2,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.1818% | 2,412 |
| Efficiency ratio | 90.1007% | 1,029 |
| Assets per employee ($millions) | 3.9677% | 4,010 |
| Cash dividends to net income (ytd only)* | 138.2979% | 441 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3312% | 3,948 |
| Loan loss allowance to noncurrent loans | 38.9615% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 3.1994% | 846 |
| Noncurrent loans to loans | 3.4166% | 871 |
| Net loans and leases to total assets | 81.9649% | 361 |
| Net loans and leases to deposits | 116.1519% | 97 |
| Net loans and leases to core deposits | 121.1106% | 305 |
| Total domestic deposits to total assets | 70.5670% | 6,426 |
| Equity capital to assets | 10.2375% | 3,554 |
| Core capital (leverage) ratio | 10.3125% | 3,162 |
| Tier 1 risk-based capital ratio | 12.4599% | 5,340 |
| Total risk-based capital ratio | 13.8543% | 5,193 |
| Memoranda: |
| Average total assets | $283,088,000 | 2,275 |
| Average earning assets | $259,658,000 | 2,290 |
| Average equity | $29,252,000 | 2,310 |
| Average total loans | $234,317,000 | 1,795 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2030% | 3,341 |
| Cost of funding earning assets | 0.5889% | 2,765 |
| Net interest margin | 3.6141% | 3,401 |
| Noninterest income to average assets | 1.3631% | 752 |
| Noninterest expense to average assets | 4.0277% | 849 |
| Loan and lease loss provision to assets | 0.0944% | 3,237 |
| Net operating income to assets | 0.4677% | 4,879 |
| Return on assets (ROA) | 0.5285% | 4,727 |
| Pretax return on assets | 0.6385% | 4,745 |
| Return on Equity (ROE) | 5.1139% | 4,570 |
| Retained earnings to average equity (ytd only) | 3.1119% | 4,021 |
| Net charge-offs to loans | 0.1370% | 3,429 |
| Credit loss provision to net charge-offs | 83.3333% | 2,941 |
| Earnings coverage of net charge-offs (x) | 5.8237% | 3,202 |
| Efficiency ratio | 85.9278% | 1,419 |
| Assets per employee ($millions) | 3.6908% | 4,499 |
| Cash dividends to net income (ytd only)* | 39.1484% | 2,851 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3894% | 3,704 |
| Loan loss allowance to noncurrent loans | 46.8104% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.8121% | 1,156 |
| Noncurrent loans to loans | 2.9682% | 1,158 |
| Net loans and leases to total assets | 81.3216% | 466 |
| Net loans and leases to deposits | 112.7741% | 124 |
| Net loans and leases to core deposits | 117.9110% | 373 |
| Total domestic deposits to total assets | 72.1102% | 6,414 |
| Equity capital to assets | 10.4307% | 3,252 |
| Core capital (leverage) ratio | 10.5150% | 2,900 |
| Tier 1 risk-based capital ratio | 12.8465% | 5,085 |
| Total risk-based capital ratio | 14.2438% | 4,929 |
| Memoranda: |
| Average total assets | $275,470,800 | 2,309 |
| Average earning assets | $253,365,800 | 2,303 |
| Average equity | $28,471,600 | 2,341 |
| Average total loans | $227,693,400 | 1,799 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2515% | 3,192 |
| Cost of funding earning assets | 0.6085% | 2,744 |
| Net interest margin | 3.6430% | 3,265 |
| Noninterest income to average assets | 1.4640% | 687 |
| Noninterest expense to average assets | 4.0542% | 803 |
| Loan and lease loss provision to assets | 0.1420% | 2,510 |
| Net operating income to assets | 0.5392% | 4,623 |
| Return on assets (ROA) | 0.5392% | 4,772 |
| Pretax return on assets | 0.6214% | 4,943 |
| Return on Equity (ROE) | 5.2295% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.0415% | 4,500 |
| Net charge-offs to loans | 0.1499% | 3,045 |
| Credit loss provision to net charge-offs | 114.5098% | 2,054 |
| Earnings coverage of net charge-offs (x) | 6.1569% | 3,030 |
| Efficiency ratio | 84.1542% | 1,570 |
| Assets per employee ($millions) | 3.6708% | 4,503 |
| Cash dividends to net income (ytd only)* | 41.8394% | 2,216 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4497% | 3,689 |
| Loan loss allowance to noncurrent loans | 45.4395% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 3.0166% | 1,226 |
| Noncurrent loans to loans | 3.1905% | 1,231 |
| Net loans and leases to total assets | 81.5553% | 402 |
| Net loans and leases to deposits | 115.3109% | 104 |
| Net loans and leases to core deposits | 120.7014% | 306 |
| Total domestic deposits to total assets | 70.7265% | 6,563 |
| Equity capital to assets | 10.5474% | 3,220 |
| Core capital (leverage) ratio | 10.7285% | 2,758 |
| Tier 1 risk-based capital ratio | 13.3450% | 4,875 |
| Total risk-based capital ratio | 14.7517% | 4,711 |
| Memoranda: |
| Average total assets | $274,213,500 | 2,321 |
| Average earning assets | $252,420,500 | 2,320 |
| Average equity | $28,275,000 | 2,386 |
| Average total loans | $226,786,500 | 1,810 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2629% | 3,108 |
| Cost of funding earning assets | 0.6272% | 2,714 |
| Net interest margin | 3.6356% | 3,223 |
| Noninterest income to average assets | 1.5600% | 647 |
| Noninterest expense to average assets | 4.1045% | 767 |
| Loan and lease loss provision to assets | 0.1826% | 2,078 |
| Net operating income to assets | 0.4419% | 5,055 |
| Return on assets (ROA) | 0.4419% | 5,217 |
| Pretax return on assets | 0.6171% | 4,960 |
| Return on Equity (ROE) | 4.3182% | 5,089 |
| Retained earnings to average equity (ytd only) | 1.9628% | 5,023 |
| Net charge-offs to loans | 0.2296% | 2,352 |
| Credit loss provision to net charge-offs | 96.1538% | 2,315 |
| Earnings coverage of net charge-offs (x) | 4.2115% | 3,186 |
| Efficiency ratio | 83.6932% | 1,672 |
| Assets per employee ($millions) | 3.9098% | 4,002 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4370% | 3,859 |
| Loan loss allowance to noncurrent loans | 44.2933% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 3.1500% | 1,265 |
| Noncurrent loans to loans | 3.2444% | 1,354 |
| Net loans and leases to total assets | 81.5988% | 384 |
| Net loans and leases to deposits | 114.9681% | 91 |
| Net loans and leases to core deposits | 121.0148% | 302 |
| Total domestic deposits to total assets | 70.9752% | 6,619 |
| Equity capital to assets | 10.2527% | 3,593 |
| Core capital (leverage) ratio | 10.5360% | 2,837 |
| Tier 1 risk-based capital ratio | 13.2092% | 4,985 |
| Total risk-based capital ratio | 14.5788% | 4,842 |
| Memoranda: |
| Average total assets | $273,848,000 | 2,332 |
| Average earning assets | $251,897,000 | 2,332 |
| Average equity | $28,020,670 | 2,422 |
| Average total loans | $226,437,670 | 1,817 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2379% | 3,158 |
| Cost of funding earning assets | 0.6492% | 2,666 |
| Net interest margin | 3.5888% | 3,306 |
| Noninterest income to average assets | 1.6165% | 599 |
| Noninterest expense to average assets | 4.0769% | 814 |
| Loan and lease loss provision to assets | 0.1825% | 2,025 |
| Net operating income to assets | 0.4936% | 4,699 |
| Return on assets (ROA) | 0.4936% | 4,851 |
| Pretax return on assets | 0.6586% | 4,760 |
| Return on Equity (ROE) | 4.8284% | 4,677 |
| Retained earnings to average equity (ytd only) | 2.5285% | 4,760 |
| Net charge-offs to loans | 0.4329% | 1,371 |
| Credit loss provision to net charge-offs | 51.0204% | 2,583 |
| Earnings coverage of net charge-offs (x) | 2.3510% | 3,064 |
| Efficiency ratio | 82.8979% | 1,906 |
| Assets per employee ($millions) | 3.8342% | 4,287 |
| Cash dividends to net income (ytd only)* | 47.6331% | 1,647 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4019% | 4,221 |
| Loan loss allowance to noncurrent loans | 40.6880% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 3.3604% | 1,290 |
| Noncurrent loans to loans | 3.4454% | 1,398 |
| Net loans and leases to total assets | 81.2806% | 326 |
| Net loans and leases to deposits | 114.1752% | 95 |
| Net loans and leases to core deposits | 120.0053% | 284 |
| Total domestic deposits to total assets | 71.1894% | 6,697 |
| Equity capital to assets | 10.3414% | 3,747 |
| Core capital (leverage) ratio | 10.6338% | 2,615 |
| Tier 1 risk-based capital ratio | 13.6057% | 4,792 |
| Total risk-based capital ratio | 14.9655% | 4,673 |
| Memoranda: |
| Average total assets | $273,930,500 | 2,355 |
| Average earning assets | $252,009,000 | 2,353 |
| Average equity | $28,001,000 | 2,448 |
| Average total loans | $226,367,500 | 1,826 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5006% | 3,385 |
| Cost of funding earning assets | 0.8716% | 2,126 |
| Net interest margin | 3.6289% | 3,972 |
| Noninterest income to average assets | 1.2912% | 926 |
| Noninterest expense to average assets | 3.5854% | 1,637 |
| Loan and lease loss provision to assets | 0.1055% | 4,319 |
| Net operating income to assets | 0.6099% | 4,193 |
| Return on assets (ROA) | 0.6106% | 4,449 |
| Pretax return on assets | 0.9511% | 3,739 |
| Return on Equity (ROE) | 5.9078% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.6639% | 4,357 |
| Net charge-offs to loans | 0.0697% | 4,987 |
| Credit loss provision to net charge-offs | 182.6923% | 1,439 |
| Earnings coverage of net charge-offs (x) | 18.2821% | 1,448 |
| Efficiency ratio | 77.2568% | 2,554 |
| Assets per employee ($millions) | 3.9947% | 3,962 |
| Cash dividends to net income (ytd only)* | 54.9091% | 2,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4304% | 4,014 |
| Loan loss allowance to noncurrent loans | 49.6881% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.6952% | 1,788 |
| Noncurrent loans to loans | 2.8788% | 1,818 |
| Net loans and leases to total assets | 81.6500% | 347 |
| Net loans and leases to deposits | 116.7315% | 93 |
| Net loans and leases to core deposits | 122.9062% | 252 |
| Total domestic deposits to total assets | 69.9469% | 6,786 |
| Equity capital to assets | 10.1039% | 4,032 |
| Core capital (leverage) ratio | 10.3814% | 2,911 |
| Tier 1 risk-based capital ratio | 13.5869% | 4,685 |
| Total risk-based capital ratio | 14.9004% | 4,586 |
| Memoranda: |
| Average total assets | $270,205,400 | 2,342 |
| Average earning assets | $249,412,600 | 2,335 |
| Average equity | $27,929,200 | 2,398 |
| Average total loans | $223,879,400 | 1,815 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5372% | 3,482 |
| Cost of funding earning assets | 0.9122% | 2,090 |
| Net interest margin | 3.6250% | 4,129 |
| Noninterest income to average assets | 1.2031% | 1,043 |
| Noninterest expense to average assets | 3.4244% | 1,944 |
| Loan and lease loss provision to assets | 0.1056% | 4,249 |
| Net operating income to assets | 0.6593% | 4,095 |
| Return on assets (ROA) | 0.6596% | 4,359 |
| Pretax return on assets | 1.0221% | 3,627 |
| Return on Equity (ROE) | 6.3447% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.3012% | 4,544 |
| Net charge-offs to loans | 0.0263% | 5,297 |
| Credit loss provision to net charge-offs | 484.0909% | 554 |
| Earnings coverage of net charge-offs (x) | 51.6548% | 738 |
| Efficiency ratio | 75.2343% | 2,789 |
| Assets per employee ($millions) | 4.1555% | 3,556 |
| Cash dividends to net income (ytd only)* | 47.9702% | 1,781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4569% | 4,128 |
| Loan loss allowance to noncurrent loans | 63.4793% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 2.3379% | 2,274 |
| Noncurrent loans to loans | 2.2951% | 2,516 |
| Net loans and leases to total assets | 81.5330% | 382 |
| Net loans and leases to deposits | 122.7825% | 67 |
| Net loans and leases to core deposits | 129.4527% | 195 |
| Total domestic deposits to total assets | 66.4044% | 6,969 |
| Equity capital to assets | 10.1600% | 4,259 |
| Core capital (leverage) ratio | 10.6494% | 2,757 |
| Tier 1 risk-based capital ratio | 13.5076% | 4,875 |
| Total risk-based capital ratio | 14.8335% | 4,789 |
| Memoranda: |
| Average total assets | $268,848,000 | 2,379 |
| Average earning assets | $248,340,750 | 2,365 |
| Average equity | $27,949,000 | 2,415 |
| Average total loans | $222,768,750 | 1,834 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5648% | 3,505 |
| Cost of funding earning assets | 0.9515% | 2,055 |
| Net interest margin | 3.6133% | 4,206 |
| Noninterest income to average assets | 1.1129% | 1,158 |
| Noninterest expense to average assets | 3.3912% | 2,052 |
| Loan and lease loss provision to assets | 0.1063% | 4,193 |
| Net operating income to assets | 0.5942% | 4,393 |
| Return on assets (ROA) | 0.5947% | 4,648 |
| Pretax return on assets | 0.9579% | 3,859 |
| Return on Equity (ROE) | 5.6761% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.1947% | 5,095 |
| Net charge-offs to loans | 0.0126% | 5,273 |
| Credit loss provision to net charge-offs | 1,014.2857% | 318 |
| Earnings coverage of net charge-offs (x) | 101.4286% | 420 |
| Efficiency ratio | 76.1264% | 2,722 |
| Assets per employee ($millions) | 4.1137% | 3,636 |
| Cash dividends to net income (ytd only)* | 61.3350% | 1,322 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4748% | 4,138 |
| Loan loss allowance to noncurrent loans | 50.1767% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.7006% | 2,042 |
| Noncurrent loans to loans | 2.9393% | 2,034 |
| Net loans and leases to total assets | 81.5721% | 365 |
| Net loans and leases to deposits | 118.7610% | 76 |
| Net loans and leases to core deposits | 124.1973% | 256 |
| Total domestic deposits to total assets | 68.6860% | 6,970 |
| Equity capital to assets | 10.5046% | 3,687 |
| Core capital (leverage) ratio | 10.6444% | 2,667 |
| Tier 1 risk-based capital ratio | 13.5127% | 4,812 |
| Total risk-based capital ratio | 14.8011% | 4,748 |
| Memoranda: |
| Average total assets | $267,043,330 | 2,396 |
| Average earning assets | $246,979,000 | 2,381 |
| Average equity | $27,977,000 | 2,396 |
| Average total loans | $221,385,000 | 1,837 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5236% | 3,822 |
| Cost of funding earning assets | 0.9689% | 2,169 |
| Net interest margin | 3.5547% | 4,465 |
| Noninterest income to average assets | 1.1811% | 1,024 |
| Noninterest expense to average assets | 3.1626% | 2,727 |
| Loan and lease loss provision to assets | 0.1874% | 3,085 |
| Net operating income to assets | 0.7394% | 3,682 |
| Return on assets (ROA) | 0.7404% | 3,908 |
| Pretax return on assets | 1.1211% | 3,238 |
| Return on Equity (ROE) | 7.0770% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.6388% | 4,396 |
| Net charge-offs to loans | 0.0072% | 4,635 |
| Credit loss provision to net charge-offs | 3,125.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 165 |
| Efficiency ratio | 70.7579% | 3,667 |
| Assets per employee ($millions) | 4.3151% | 3,367 |
| Cash dividends to net income (ytd only)* | 48.5830% | 1,510 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4687% | 4,299 |
| Loan loss allowance to noncurrent loans | 49.6571% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.6853% | 2,195 |
| Noncurrent loans to loans | 2.9577% | 2,184 |
| Net loans and leases to total assets | 81.6977% | 291 |
| Net loans and leases to deposits | 121.7416% | 64 |
| Net loans and leases to core deposits | 126.8646% | 223 |
| Total domestic deposits to total assets | 67.1075% | 7,080 |
| Equity capital to assets | 10.5100% | 3,478 |
| Core capital (leverage) ratio | 10.7010% | 2,544 |
| Tier 1 risk-based capital ratio | 13.5842% | 4,765 |
| Total risk-based capital ratio | 14.9040% | 4,698 |
| Memoranda: |
| Average total assets | $266,871,000 | 2,414 |
| Average earning assets | $246,882,500 | 2,392 |
| Average equity | $27,921,500 | 2,394 |
| Average total loans | $221,388,000 | 1,846 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7591% | 3,988 |
| Cost of funding earning assets | 1.1016% | 2,666 |
| Net interest margin | 3.6576% | 4,483 |
| Noninterest income to average assets | 0.8943% | 1,687 |
| Noninterest expense to average assets | 3.0003% | 3,588 |
| Loan and lease loss provision to assets | 0.2947% | 3,308 |
| Net operating income to assets | 0.6050% | 3,976 |
| Return on assets (ROA) | 0.6081% | 4,142 |
| Pretax return on assets | 0.9582% | 3,399 |
| Return on Equity (ROE) | 6.0112% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.6692% | 2,870 |
| Net charge-offs to loans | 0.1572% | 4,886 |
| Credit loss provision to net charge-offs | 226.4368% | 1,072 |
| Earnings coverage of net charge-offs (x) | 9.5891% | 1,957 |
| Efficiency ratio | 70.6224% | 3,827 |
| Assets per employee ($millions) | 4.4368% | 3,011 |
| Cash dividends to net income (ytd only)* | 22.3247% | 3,438 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4198% | 4,371 |
| Loan loss allowance to noncurrent loans | 50.1759% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 2.4958% | 2,434 |
| Noncurrent loans to loans | 2.8296% | 2,319 |
| Net loans and leases to total assets | 81.8202% | 351 |
| Net loans and leases to deposits | 119.9631% | 86 |
| Net loans and leases to core deposits | 124.7150% | 291 |
| Total domestic deposits to total assets | 68.2044% | 7,065 |
| Equity capital to assets | 10.4148% | 3,635 |
| Core capital (leverage) ratio | 10.6525% | 2,563 |
| Tier 1 risk-based capital ratio | 13.5640% | 4,647 |
| Total risk-based capital ratio | 14.8328% | 4,606 |
| Memoranda: |
| Average total assets | $267,372,800 | 2,357 |
| Average earning assets | $245,191,400 | 2,344 |
| Average equity | $27,049,600 | 2,394 |
| Average total loans | $221,427,400 | 1,864 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7751% | 4,123 |
| Cost of funding earning assets | 1.1268% | 2,786 |
| Net interest margin | 3.6483% | 4,572 |
| Noninterest income to average assets | 0.8209% | 1,955 |
| Noninterest expense to average assets | 2.9300% | 3,802 |
| Loan and lease loss provision to assets | 0.3163% | 3,005 |
| Net operating income to assets | 0.5701% | 4,221 |
| Return on assets (ROA) | 0.5714% | 4,392 |
| Pretax return on assets | 0.9151% | 3,704 |
| Return on Equity (ROE) | 5.6892% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.8410% | 3,288 |
| Net charge-offs to loans | 0.1204% | 4,826 |
| Credit loss provision to net charge-offs | 317.5000% | 885 |
| Earnings coverage of net charge-offs (x) | 12.3400% | 1,717 |
| Efficiency ratio | 70.4431% | 3,868 |
| Assets per employee ($millions) | 4.7548% | 2,549 |
| Cash dividends to net income (ytd only)* | 14.9081% | 3,128 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4247% | 4,445 |
| Loan loss allowance to noncurrent loans | 71.1333% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.6536% | 3,605 |
| Noncurrent loans to loans | 2.0028% | 3,362 |
| Net loans and leases to total assets | 81.3876% | 403 |
| Net loans and leases to deposits | 123.6019% | 73 |
| Net loans and leases to core deposits | 129.5485% | 253 |
| Total domestic deposits to total assets | 65.8466% | 7,202 |
| Equity capital to assets | 10.2787% | 3,985 |
| Core capital (leverage) ratio | 10.5663% | 2,796 |
| Tier 1 risk-based capital ratio | 13.4747% | 4,753 |
| Total risk-based capital ratio | 14.7281% | 4,722 |
| Memoranda: |
| Average total assets | $267,664,250 | 2,371 |
| Average earning assets | $244,931,500 | 2,352 |
| Average equity | $26,880,750 | 2,404 |
| Average total loans | $221,547,250 | 1,877 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7651% | 4,231 |
| Cost of funding earning assets | 1.1469% | 2,921 |
| Net interest margin | 3.6183% | 4,653 |
| Noninterest income to average assets | 0.7989% | 2,023 |
| Noninterest expense to average assets | 2.9590% | 3,796 |
| Loan and lease loss provision to assets | 0.2797% | 3,141 |
| Net operating income to assets | 0.5699% | 4,213 |
| Return on assets (ROA) | 0.5699% | 4,339 |
| Pretax return on assets | 0.8735% | 3,744 |
| Return on Equity (ROE) | 5.7190% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.7190% | 2,581 |
| Net charge-offs to loans | 0.0423% | 5,264 |
| Credit loss provision to net charge-offs | 797.8723% | 420 |
| Earnings coverage of net charge-offs (x) | 32.8936% | 863 |
| Efficiency ratio | 71.9572% | 3,741 |
| Assets per employee ($millions) | 4.7804% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3585% | 4,783 |
| Loan loss allowance to noncurrent loans | 56.2581% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.0086% | 3,221 |
| Noncurrent loans to loans | 2.4147% | 2,972 |
| Net loans and leases to total assets | 82.0523% | 367 |
| Net loans and leases to deposits | 125.7962% | 72 |
| Net loans and leases to core deposits | 132.8643% | 240 |
| Total domestic deposits to total assets | 65.2264% | 7,280 |
| Equity capital to assets | 10.1434% | 3,961 |
| Core capital (leverage) ratio | 10.4119% | 2,809 |
| Tier 1 risk-based capital ratio | 13.2122% | 4,758 |
| Total risk-based capital ratio | 14.5075% | 4,698 |
| Memoranda: |
| Average total assets | $268,129,330 | 2,382 |
| Average earning assets | $245,533,000 | 2,368 |
| Average equity | $26,718,000 | 2,406 |
| Average total loans | $222,115,670 | 1,893 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7813% | 4,143 |
| Cost of funding earning assets | 1.1762% | 2,975 |
| Net interest margin | 3.6051% | 4,546 |
| Noninterest income to average assets | 0.8735% | 1,754 |
| Noninterest expense to average assets | 2.9485% | 3,862 |
| Loan and lease loss provision to assets | 0.2802% | 2,914 |
| Net operating income to assets | 0.6310% | 3,861 |
| Return on assets (ROA) | 0.6290% | 3,938 |
| Pretax return on assets | 0.9361% | 3,380 |
| Return on Equity (ROE) | 6.3698% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.3698% | 2,436 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7439% | 4,110 |
| Assets per employee ($millions) | 4.5759% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3099% | 5,083 |
| Loan loss allowance to noncurrent loans | 60.3936% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8998% | 3,437 |
| Noncurrent loans to loans | 2.1689% | 3,362 |
| Net loans and leases to total assets | 81.9003% | 351 |
| Net loans and leases to deposits | 124.6230% | 73 |
| Net loans and leases to core deposits | 131.8482% | 250 |
| Total domestic deposits to total assets | 65.7184% | 7,337 |
| Equity capital to assets | 10.0723% | 3,682 |
| Core capital (leverage) ratio | 10.1584% | 2,963 |
| Tier 1 risk-based capital ratio | 13.3110% | 4,565 |
| Total risk-based capital ratio | 14.6105% | 4,514 |
| Memoranda: |
| Average total assets | $268,344,000 | 2,403 |
| Average earning assets | $245,205,000 | 2,395 |
| Average equity | $26,500,000 | 2,414 |
| Average total loans | $221,834,000 | 1,917 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0391% | 4,371 |
| Cost of funding earning assets | 1.4112% | 3,193 |
| Net interest margin | 3.6280% | 4,683 |
| Noninterest income to average assets | 0.9084% | 1,828 |
| Noninterest expense to average assets | 2.9622% | 3,992 |
| Loan and lease loss provision to assets | 0.5403% | 2,989 |
| Net operating income to assets | 0.5002% | 4,095 |
| Return on assets (ROA) | 0.5370% | 4,089 |
| Pretax return on assets | 0.7853% | 3,683 |
| Return on Equity (ROE) | 5.9115% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.8456% | 3,171 |
| Net charge-offs to loans | 0.2762% | 4,642 |
| Credit loss provision to net charge-offs | 236.1199% | 1,238 |
| Earnings coverage of net charge-offs (x) | 5.5568% | 2,596 |
| Efficiency ratio | 69.9685% | 4,189 |
| Assets per employee ($millions) | 4.7594% | 2,469 |
| Cash dividends to net income (ytd only)* | 34.9462% | 2,823 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2072% | 5,474 |
| Loan loss allowance to noncurrent loans | 101.5055% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.2209% | 4,583 |
| Noncurrent loans to loans | 1.1893% | 4,729 |
| Net loans and leases to total assets | 81.3610% | 504 |
| Net loans and leases to deposits | 126.3711% | 83 |
| Net loans and leases to core deposits | 134.2226% | 278 |
| Total domestic deposits to total assets | 64.3826% | 7,435 |
| Equity capital to assets | 9.6828% | 4,164 |
| Core capital (leverage) ratio | 9.8521% | 3,260 |
| Tier 1 risk-based capital ratio | 12.7207% | 4,843 |
| Total risk-based capital ratio | 13.9931% | 4,795 |
| Memoranda: |
| Average total assets | $277,092,400 | 2,308 |
| Average earning assets | $253,972,200 | 2,308 |
| Average equity | $25,171,400 | 2,535 |
| Average total loans | $229,555,800 | 1,902 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0553% | 4,570 |
| Cost of funding earning assets | 1.4643% | 3,191 |
| Net interest margin | 3.5910% | 4,916 |
| Noninterest income to average assets | 0.7659% | 2,416 |
| Noninterest expense to average assets | 2.8509% | 4,276 |
| Loan and lease loss provision to assets | 0.5203% | 2,853 |
| Net operating income to assets | 0.4726% | 4,431 |
| Return on assets (ROA) | 0.4729% | 4,625 |
| Pretax return on assets | 0.6926% | 4,254 |
| Return on Equity (ROE) | 5.2909% | 4,147 |
| Retained earnings to average equity (ytd only) | 2.5062% | 4,668 |
| Net charge-offs to loans | 0.2798% | 4,267 |
| Credit loss provision to net charge-offs | 224.1237% | 1,541 |
| Earnings coverage of net charge-offs (x) | 5.2227% | 2,805 |
| Efficiency ratio | 70.1614% | 4,032 |
| Assets per employee ($millions) | 4.8203% | 2,422 |
| Cash dividends to net income (ytd only)* | 52.6319% | 1,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0655% | 6,092 |
| Loan loss allowance to noncurrent loans | 76.7970% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 4,532 |
| Noncurrent loans to loans | 1.3875% | 4,545 |
| Net loans and leases to total assets | 82.3198% | 459 |
| Net loans and leases to deposits | 132.4431% | 65 |
| Net loans and leases to core deposits | 142.0458% | 239 |
| Total domestic deposits to total assets | 62.1548% | 7,555 |
| Equity capital to assets | 9.3573% | 5,042 |
| Core capital (leverage) ratio | 9.5490% | 3,831 |
| Tier 1 risk-based capital ratio | 12.4982% | 4,982 |
| Total risk-based capital ratio | 13.6494% | 5,048 |
| Memoranda: |
| Average total assets | $278,544,000 | 2,328 |
| Average earning assets | $255,778,500 | 2,324 |
| Average equity | $24,897,250 | 2,602 |
| Average total loans | $231,090,250 | 1,913 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0494% | 4,708 |
| Cost of funding earning assets | 1.5131% | 3,182 |
| Net interest margin | 3.5363% | 5,103 |
| Noninterest income to average assets | 0.6540% | 2,991 |
| Noninterest expense to average assets | 2.7462% | 4,710 |
| Loan and lease loss provision to assets | 0.5189% | 2,712 |
| Net operating income to assets | 0.4184% | 4,668 |
| Return on assets (ROA) | 0.4189% | 4,824 |
| Pretax return on assets | 0.6354% | 4,451 |
| Return on Equity (ROE) | 4.7591% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.5593% | 5,082 |
| Net charge-offs to loans | 0.0078% | 6,252 |
| Credit loss provision to net charge-offs | 8,066.6667% | 46 |
| Earnings coverage of net charge-offs (x) | 179.3333% | 193 |
| Efficiency ratio | 70.4179% | 4,108 |
| Assets per employee ($millions) | 4.8592% | 2,361 |
| Cash dividends to net income (ytd only)* | 67.2355% | 1,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1086% | 5,903 |
| Loan loss allowance to noncurrent loans | 136.1986% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 5,465 |
| Noncurrent loans to loans | 0.8140% | 5,648 |
| Net loans and leases to total assets | 82.1583% | 514 |
| Net loans and leases to deposits | 129.7627% | 74 |
| Net loans and leases to core deposits | 139.0001% | 296 |
| Total domestic deposits to total assets | 63.3142% | 7,603 |
| Equity capital to assets | 8.8929% | 5,616 |
| Core capital (leverage) ratio | 9.1710% | 4,341 |
| Tier 1 risk-based capital ratio | 12.0630% | 5,257 |
| Total risk-based capital ratio | 13.2529% | 5,278 |
| Memoranda: |
| Average total assets | $279,805,670 | 2,333 |
| Average earning assets | $256,820,330 | 2,335 |
| Average equity | $24,626,330 | 2,632 |
| Average total loans | $231,914,670 | 1,926 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0434% | 4,814 |
| Cost of funding earning assets | 1.5417% | 3,319 |
| Net interest margin | 3.5017% | 5,150 |
| Noninterest income to average assets | 0.6998% | 2,608 |
| Noninterest expense to average assets | 2.7196% | 4,815 |
| Loan and lease loss provision to assets | 0.6273% | 2,024 |
| Net operating income to assets | 0.4452% | 4,634 |
| Return on assets (ROA) | 0.4452% | 4,766 |
| Pretax return on assets | 0.5675% | 4,728 |
| Return on Equity (ROE) | 5.0845% | 4,320 |
| Retained earnings to average equity (ytd only) | 1.2183% | 5,330 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4767% | 4,414 |
| Assets per employee ($millions) | 4.8320% | 2,461 |
| Cash dividends to net income (ytd only)* | 76.0383% | 918 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9775% | 6,569 |
| Loan loss allowance to noncurrent loans | 100.4859% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 5,174 |
| Noncurrent loans to loans | 0.9728% | 5,387 |
| Net loans and leases to total assets | 82.2320% | 564 |
| Net loans and leases to deposits | 133.1939% | 70 |
| Net loans and leases to core deposits | 142.9360% | 294 |
| Total domestic deposits to total assets | 61.7386% | 7,723 |
| Equity capital to assets | 8.8119% | 5,530 |
| Core capital (leverage) ratio | 9.2987% | 4,058 |
| Tier 1 risk-based capital ratio | 12.3130% | 4,889 |
| Total risk-based capital ratio | 13.3867% | 5,017 |
| Memoranda: |
| Average total assets | $281,221,500 | 2,384 |
| Average earning assets | $258,160,000 | 2,367 |
| Average equity | $24,624,000 | 2,651 |
| Average total loans | $232,818,000 | 1,975 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2487% | 5,420 |
| Cost of funding earning assets | 1.9442% | 3,240 |
| Net interest margin | 3.3045% | 5,720 |
| Noninterest income to average assets | 0.9879% | 1,618 |
| Noninterest expense to average assets | 2.8389% | 4,795 |
| Loan and lease loss provision to assets | 0.2808% | 5,176 |
| Net operating income to assets | 0.6028% | 3,318 |
| Return on assets (ROA) | 0.6028% | 3,389 |
| Pretax return on assets | 0.9361% | 2,809 |
| Return on Equity (ROE) | 7.4021% | 2,618 |
| Retained earnings to average equity (ytd only) | 7.4021% | 842 |
| Net charge-offs to loans | 0.3214% | 4,629 |
| Credit loss provision to net charge-offs | 105.0000% | 5,267 |
| Earnings coverage of net charge-offs (x) | 4.5500% | 2,909 |
| Efficiency ratio | 69.9949% | 4,633 |
| Assets per employee ($millions) | 4.8653% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7875% | 7,171 |
| Loan loss allowance to noncurrent loans | 86.2247% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 5,285 |
| Noncurrent loans to loans | 0.9133% | 5,485 |
| Net loans and leases to total assets | 81.8844% | 698 |
| Net loans and leases to deposits | 130.0635% | 89 |
| Net loans and leases to core deposits | 161.6418% | 323 |
| Total domestic deposits to total assets | 62.9572% | 7,737 |
| Equity capital to assets | 8.7006% | 5,582 |
| Core capital (leverage) ratio | 9.1155% | 4,248 |
| Tier 1 risk-based capital ratio | 12.3417% | 4,644 |
| Total risk-based capital ratio | 13.2156% | 4,928 |
| Memoranda: |
| Average total assets | $291,622,400 | 2,270 |
| Average earning assets | $270,750,200 | 2,233 |
| Average equity | $23,750,000 | 2,761 |
| Average total loans | $242,658,800 | 1,929 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2753% | 5,544 |
| Cost of funding earning assets | 2.0310% | 3,213 |
| Net interest margin | 3.2443% | 5,867 |
| Noninterest income to average assets | 0.9302% | 1,860 |
| Noninterest expense to average assets | 2.8006% | 4,899 |
| Loan and lease loss provision to assets | 0.2445% | 5,005 |
| Net operating income to assets | 0.5814% | 3,671 |
| Return on assets (ROA) | 0.5814% | 3,741 |
| Pretax return on assets | 0.9048% | 3,211 |
| Return on Equity (ROE) | 7.2583% | 2,964 |
| Retained earnings to average equity (ytd only) | 7.2583% | 1,412 |
| Net charge-offs to loans | 0.3003% | 4,149 |
| Credit loss provision to net charge-offs | 97.6449% | 5,232 |
| Earnings coverage of net charge-offs (x) | 4.5906% | 3,081 |
| Efficiency ratio | 70.9037% | 4,440 |
| Assets per employee ($millions) | 5.0214% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7559% | 7,244 |
| Loan loss allowance to noncurrent loans | 93.1034% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 5,457 |
| Noncurrent loans to loans | 0.8119% | 5,679 |
| Net loans and leases to total assets | 81.7378% | 852 |
| Net loans and leases to deposits | 129.2277% | 113 |
| Net loans and leases to core deposits | 162.4687% | 350 |
| Total domestic deposits to total assets | 63.2510% | 7,794 |
| Equity capital to assets | 8.3855% | 6,405 |
| Core capital (leverage) ratio | 8.6655% | 5,196 |
| Tier 1 risk-based capital ratio | 12.1520% | 4,836 |
| Total risk-based capital ratio | 13.0100% | 5,134 |
| Memoranda: |
| Average total assets | $293,981,250 | 2,273 |
| Average earning assets | $273,618,250 | 2,235 |
| Average equity | $23,549,500 | 2,803 |
| Average total loans | $245,098,250 | 1,944 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3329% | 5,484 |
| Cost of funding earning assets | 2.1000% | 3,264 |
| Net interest margin | 3.2329% | 5,793 |
| Noninterest income to average assets | 0.9961% | 1,606 |
| Noninterest expense to average assets | 2.8917% | 4,527 |
| Loan and lease loss provision to assets | 0.2421% | 4,646 |
| Net operating income to assets | 0.5516% | 3,871 |
| Return on assets (ROA) | 0.5516% | 3,995 |
| Pretax return on assets | 0.8740% | 3,426 |
| Return on Equity (ROE) | 6.9918% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.9918% | 1,592 |
| Net charge-offs to loans | 0.4270% | 3,092 |
| Credit loss provision to net charge-offs | 67.7358% | 5,460 |
| Earnings coverage of net charge-offs (x) | 3.1226% | 3,563 |
| Efficiency ratio | 72.1521% | 4,380 |
| Assets per employee ($millions) | 5.2205% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6691% | 7,488 |
| Loan loss allowance to noncurrent loans | 109.7297% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 5,765 |
| Noncurrent loans to loans | 0.6098% | 6,041 |
| Net loans and leases to total assets | 81.0178% | 1,134 |
| Net loans and leases to deposits | 125.7147% | 152 |
| Net loans and leases to core deposits | 164.4473% | 386 |
| Total domestic deposits to total assets | 64.4458% | 7,812 |
| Equity capital to assets | 8.0351% | 6,712 |
| Core capital (leverage) ratio | 8.3118% | 5,778 |
| Tier 1 risk-based capital ratio | 11.7730% | 5,129 |
| Total risk-based capital ratio | 12.5476% | 5,498 |
| Memoranda: |
| Average total assets | $296,568,330 | 2,275 |
| Average earning assets | $276,285,330 | 2,242 |
| Average equity | $23,399,000 | 2,824 |
| Average total loans | $248,220,330 | 1,958 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5045% | 4,889 |
| Cost of funding earning assets | 2.1789% | 3,270 |
| Net interest margin | 3.3256% | 5,419 |
| Noninterest income to average assets | 0.8971% | 1,862 |
| Noninterest expense to average assets | 2.8466% | 4,352 |
| Loan and lease loss provision to assets | 0.2432% | 4,034 |
| Net operating income to assets | 0.5229% | 4,325 |
| Return on assets (ROA) | 0.5229% | 4,512 |
| Pretax return on assets | 0.9065% | 3,692 |
| Return on Equity (ROE) | 6.6887% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.6887% | 2,333 |
| Net charge-offs to loans | 0.0064% | 5,600 |
| Credit loss provision to net charge-offs | 4,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 212.7500% | 198 |
| Efficiency ratio | 71.2306% | 4,319 |
| Assets per employee ($millions) | 5.1748% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7916% | 7,189 |
| Loan loss allowance to noncurrent loans | 48.0497% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5541% | 3,604 |
| Noncurrent loans to loans | 1.6474% | 3,802 |
| Net loans and leases to total assets | 83.7480% | 729 |
| Net loans and leases to deposits | 131.4090% | 137 |
| Net loans and leases to core deposits | 179.2380% | 244 |
| Total domestic deposits to total assets | 63.7308% | 7,859 |
| Equity capital to assets | 7.8854% | 6,968 |
| Core capital (leverage) ratio | 8.0131% | 6,424 |
| Tier 1 risk-based capital ratio | 11.0045% | 5,908 |
| Total risk-based capital ratio | 11.9201% | 6,129 |
| Memoranda: |
| Average total assets | $296,068,500 | 2,295 |
| Average earning assets | $275,917,500 | 2,259 |
| Average equity | $23,143,500 | 2,860 |
| Average total loans | $250,977,000 | 1,959 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1587% | 4,736 |
| Cost of funding earning assets | 2.6833% | 3,242 |
| Net interest margin | 3.4754% | 5,379 |
| Noninterest income to average assets | 0.5975% | 3,856 |
| Noninterest expense to average assets | 2.8914% | 4,479 |
| Loan and lease loss provision to assets | 0.0780% | 6,421 |
| Net operating income to assets | 0.5010% | 4,731 |
| Return on assets (ROA) | 0.5010% | 4,576 |
| Pretax return on assets | 0.8559% | 3,865 |
| Return on Equity (ROE) | 6.2948% | 3,828 |
| Retained earnings to average equity (ytd only) | 3.6698% | 2,867 |
| Net charge-offs to loans | 0.0414% | 6,197 |
| Credit loss provision to net charge-offs | 222.5490% | 2,142 |
| Earnings coverage of net charge-offs (x) | 26.6471% | 1,275 |
| Efficiency ratio | 75.5861% | 3,309 |
| Assets per employee ($millions) | 5.2136% | 1,713 |
| Cash dividends to net income (ytd only)* | 41.7010% | 3,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7096% | 7,396 |
| Loan loss allowance to noncurrent loans | 67.7103% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 4,140 |
| Noncurrent loans to loans | 1.0480% | 4,478 |
| Net loans and leases to total assets | 84.5169% | 806 |
| Net loans and leases to deposits | 130.2252% | 209 |
| Net loans and leases to core deposits | 179.0422% | 297 |
| Total domestic deposits to total assets | 64.9006% | 7,733 |
| Equity capital to assets | 7.7489% | 7,154 |
| Core capital (leverage) ratio | 8.0226% | 6,454 |
| Tier 1 risk-based capital ratio | 11.0742% | 5,664 |
| Total risk-based capital ratio | 11.9113% | 5,942 |
| Memoranda: |
| Average total assets | $291,036,800 | 2,247 |
| Average earning assets | $270,301,000 | 2,229 |
| Average equity | $23,161,800 | 2,829 |
| Average total loans | $246,488,200 | 1,929 |
