| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6096% | 314 |
| Cost of funding earning assets | 1.9521% | 991 |
| Net interest margin | 4.6575% | 500 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 1.9680% | 3,703 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 2.2707% | 310 |
| Return on assets (ROA) | 2.2745% | 303 |
| Pretax return on assets | 2.8829% | 226 |
| Return on Equity (ROE) | 22.4400% | 430 |
| Retained earnings to average equity (ytd only) | 22.3014% | 101 |
| Net charge-offs to loans | -0.0060% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 39.6003% | 4,369 |
| Assets per employee ($millions) | 10.1832% | 664 |
| Cash dividends to net income (ytd only)* | 0.6194% | 3,398 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8900% | 455 |
| Loan loss allowance to noncurrent loans | 3,194.8087% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,259 |
| Noncurrent loans to loans | 0.0592% | 3,297 |
| Net loans and leases to total assets | 82.7800% | 367 |
| Net loans and leases to deposits | 98.3812% | 625 |
| Net loans and leases to core deposits | 105.5560% | 1,134 |
| Total domestic deposits to total assets | 84.1500% | 2,581 |
| Equity capital to assets | 10.9195% | 1,514 |
| Core capital (leverage) ratio | 11.2416% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $709,816,200 | 1,295 |
| Average earning assets | $671,340,200 | 1,279 |
| Average equity | $71,946,200 | 1,221 |
| Average total loans | $618,635,000 | 1,070 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4697% | 314 |
| Cost of funding earning assets | 1.8781% | 889 |
| Net interest margin | 4.5916% | 538 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 1.9478% | 3,719 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.2244% | 365 |
| Return on assets (ROA) | 2.2275% | 354 |
| Pretax return on assets | 2.8296% | 273 |
| Return on Equity (ROE) | 22.4300% | 532 |
| Retained earnings to average equity (ytd only) | 22.2371% | 186 |
| Net charge-offs to loans | -0.0047% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.1531% | 4,356 |
| Assets per employee ($millions) | 9.7369% | 734 |
| Cash dividends to net income (ytd only)* | 0.8503% | 2,986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8077% | 562 |
| Loan loss allowance to noncurrent loans | 2,143.1262% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,116 |
| Noncurrent loans to loans | 0.0843% | 3,162 |
| Net loans and leases to total assets | 84.6500% | 237 |
| Net loans and leases to deposits | 110.1723% | 195 |
| Net loans and leases to core deposits | 119.4733% | 562 |
| Total domestic deposits to total assets | 76.8300% | 3,947 |
| Equity capital to assets | 10.3223% | 1,634 |
| Core capital (leverage) ratio | 10.8817% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $703,972,500 | 1,301 |
| Average earning assets | $666,557,000 | 1,278 |
| Average equity | $69,917,500 | 1,246 |
| Average total loans | $618,628,500 | 1,068 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2884% | 315 |
| Cost of funding earning assets | 1.7135% | 866 |
| Net interest margin | 4.5749% | 558 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 1.9534% | 3,704 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 2.1673% | 374 |
| Return on assets (ROA) | 2.1703% | 366 |
| Pretax return on assets | 2.7741% | 258 |
| Return on Equity (ROE) | 22.1600% | 534 |
| Retained earnings to average equity (ytd only) | 22.1568% | 180 |
| Net charge-offs to loans | -0.0026% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.4095% | 4,383 |
| Assets per employee ($millions) | 10.2162% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8179% | 583 |
| Loan loss allowance to noncurrent loans | 6,766.0714% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,567 |
| Noncurrent loans to loans | 0.0269% | 3,563 |
| Net loans and leases to total assets | 85.8400% | 158 |
| Net loans and leases to deposits | 103.5917% | 381 |
| Net loans and leases to core deposits | 118.4969% | 556 |
| Total domestic deposits to total assets | 82.8700% | 3,075 |
| Equity capital to assets | 9.9927% | 1,864 |
| Core capital (leverage) ratio | 10.1796% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $695,206,667 | 1,308 |
| Average earning assets | $659,248,667 | 1,281 |
| Average equity | $68,096,333 | 1,264 |
| Average total loans | $614,992,667 | 1,060 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9746% | 320 |
| Cost of funding earning assets | 1.2942% | 1,243 |
| Net interest margin | 4.6804% | 460 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.0261% | 3,567 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.0997% | 425 |
| Return on assets (ROA) | 2.1020% | 417 |
| Pretax return on assets | 2.6828% | 292 |
| Return on Equity (ROE) | 21.6900% | 608 |
| Retained earnings to average equity (ytd only) | 21.6882% | 300 |
| Net charge-offs to loans | 0.0033% | 1,891 |
| Credit loss provision to net charge-offs | 7,040.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 990.0000% | 106 |
| Efficiency ratio | 41.2184% | 4,414 |
| Assets per employee ($millions) | 10.1356% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8071% | 659 |
| Loan loss allowance to noncurrent loans | 6,580.7018% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,545 |
| Noncurrent loans to loans | 0.0275% | 3,571 |
| Net loans and leases to total assets | 87.4300% | 91 |
| Net loans and leases to deposits | 109.3338% | 192 |
| Net loans and leases to core deposits | 120.1990% | 425 |
| Total domestic deposits to total assets | 79.9700% | 3,763 |
| Equity capital to assets | 9.6712% | 2,020 |
| Core capital (leverage) ratio | 10.1943% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $685,243,000 | 1,338 |
| Average earning assets | $650,291,500 | 1,313 |
| Average equity | $66,414,000 | 1,297 |
| Average total loans | $609,856,500 | 1,080 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0512% | 277 |
| Cost of funding earning assets | 0.6216% | 826 |
| Net interest margin | 4.4296% | 335 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.7197% | 4,140 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 2.0664% | 261 |
| Return on assets (ROA) | 2.0661% | 255 |
| Pretax return on assets | 2.6556% | 170 |
| Return on Equity (ROE) | 22.3300% | 320 |
| Retained earnings to average equity (ytd only) | 20.3274% | 83 |
| Net charge-offs to loans | -0.0092% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.3244% | 4,590 |
| Assets per employee ($millions) | 10.1808% | 642 |
| Cash dividends to net income (ytd only)* | 8.9726% | 3,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4193% | 1,438 |
| Loan loss allowance to noncurrent loans | 27,332.2581% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,876 |
| Noncurrent loans to loans | 0.0052% | 3,835 |
| Net loans and leases to total assets | 87.5900% | 86 |
| Net loans and leases to deposits | 101.4919% | 384 |
| Net loans and leases to core deposits | 104.8562% | 793 |
| Total domestic deposits to total assets | 86.3000% | 2,639 |
| Equity capital to assets | 9.8221% | 1,808 |
| Core capital (leverage) ratio | 9.6883% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $647,313,600 | 1,383 |
| Average earning assets | $615,636,200 | 1,362 |
| Average equity | $59,889,600 | 1,404 |
| Average total loans | $577,158,400 | 1,059 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8010% | 285 |
| Cost of funding earning assets | 0.5196% | 681 |
| Net interest margin | 4.2814% | 350 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.6788% | 4,189 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.9512% | 309 |
| Return on assets (ROA) | 1.9498% | 305 |
| Pretax return on assets | 2.5293% | 207 |
| Return on Equity (ROE) | 21.4200% | 325 |
| Retained earnings to average equity (ytd only) | 18.6782% | 140 |
| Net charge-offs to loans | -0.0110% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 37.7773% | 4,620 |
| Assets per employee ($millions) | 10.4417% | 571 |
| Cash dividends to net income (ytd only)* | 12.7986% | 2,747 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3855% | 1,659 |
| Loan loss allowance to noncurrent loans | 26,100.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,966 |
| Noncurrent loans to loans | 0.0053% | 3,921 |
| Net loans and leases to total assets | 87.5400% | 71 |
| Net loans and leases to deposits | 103.1872% | 258 |
| Net loans and leases to core deposits | 112.6993% | 395 |
| Total domestic deposits to total assets | 84.8400% | 3,323 |
| Equity capital to assets | 9.3996% | 1,951 |
| Core capital (leverage) ratio | 9.7560% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $641,158,000 | 1,402 |
| Average earning assets | $610,465,250 | 1,377 |
| Average equity | $58,362,500 | 1,449 |
| Average total loans | $572,200,000 | 1,066 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6615% | 270 |
| Cost of funding earning assets | 0.3946% | 951 |
| Net interest margin | 4.2668% | 294 |
| Noninterest income to average assets | 0.3065% | 3,328 |
| Noninterest expense to average assets | 1.6627% | 4,196 |
| Loan and lease loss provision to assets | 0.2360% | 321 |
| Net operating income to assets | 1.9045% | 272 |
| Return on assets (ROA) | 1.9015% | 271 |
| Pretax return on assets | 2.4663% | 172 |
| Return on Equity (ROE) | 21.1273% | 238 |
| Retained earnings to average equity (ytd only) | 21.1273% | 60 |
| Net charge-offs to loans | -0.0120% | 3,651 |
| Credit loss provision to net charge-offs | -2,205.8824% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0582% | 4,651 |
| Assets per employee ($millions) | 10.3948% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3183% | 2,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 89.4716% | 28 |
| Net loans and leases to deposits | 110.4146% | 93 |
| Net loans and leases to core deposits | 120.8642% | 189 |
| Total domestic deposits to total assets | 81.0324% | 4,129 |
| Equity capital to assets | 9.3043% | 2,155 |
| Core capital (leverage) ratio | 9.5782% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $635,601,333 | 1,420 |
| Average earning assets | $605,133,000 | 1,391 |
| Average equity | $57,205,667 | 1,498 |
| Average total loans | $568,279,333 | 1,063 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5279% | 296 |
| Cost of funding earning assets | 0.3496% | 1,205 |
| Net interest margin | 4.1784% | 298 |
| Noninterest income to average assets | 0.2858% | 3,416 |
| Noninterest expense to average assets | 1.6756% | 4,172 |
| Loan and lease loss provision to assets | 0.2377% | 281 |
| Net operating income to assets | 1.8135% | 322 |
| Return on assets (ROA) | 1.8125% | 324 |
| Pretax return on assets | 2.3480% | 216 |
| Return on Equity (ROE) | 20.4921% | 217 |
| Retained earnings to average equity (ytd only) | 20.4921% | 91 |
| Net charge-offs to loans | -0.0136% | 3,712 |
| Credit loss provision to net charge-offs | -1,973.6842% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3101% | 4,656 |
| Assets per employee ($millions) | 10.5133% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2806% | 2,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 89.3709% | 17 |
| Net loans and leases to deposits | 106.4031% | 94 |
| Net loans and leases to core deposits | 123.4159% | 130 |
| Total domestic deposits to total assets | 83.9928% | 3,771 |
| Equity capital to assets | 9.0421% | 2,676 |
| Core capital (leverage) ratio | 9.3006% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $631,163,000 | 1,431 |
| Average earning assets | $600,715,500 | 1,408 |
| Average equity | $55,826,500 | 1,579 |
| Average total loans | $560,255,000 | 1,067 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6970% | 422 |
| Cost of funding earning assets | 0.3812% | 1,676 |
| Net interest margin | 4.3159% | 392 |
| Noninterest income to average assets | 0.2494% | 3,874 |
| Noninterest expense to average assets | 1.5675% | 4,465 |
| Loan and lease loss provision to assets | 0.2696% | 324 |
| Net operating income to assets | 1.9327% | 382 |
| Return on assets (ROA) | 1.9361% | 405 |
| Pretax return on assets | 2.5126% | 250 |
| Return on Equity (ROE) | 21.6945% | 230 |
| Retained earnings to average equity (ytd only) | 19.5299% | 67 |
| Net charge-offs to loans | -0.0132% | 3,827 |
| Credit loss provision to net charge-offs | -2,459.0164% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0738% | 4,752 |
| Assets per employee ($millions) | 10.8884% | 525 |
| Cash dividends to net income (ytd only)* | 9.9777% | 3,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2593% | 2,574 |
| Loan loss allowance to noncurrent loans | 826.6428% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 3,013 |
| Noncurrent loans to loans | 0.1523% | 3,177 |
| Net loans and leases to total assets | 85.9072% | 67 |
| Net loans and leases to deposits | 100.3613% | 189 |
| Net loans and leases to core deposits | 109.5945% | 290 |
| Total domestic deposits to total assets | 85.5980% | 3,054 |
| Equity capital to assets | 8.6482% | 3,936 |
| Core capital (leverage) ratio | 9.2250% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $556,474,800 | 1,553 |
| Average earning assets | $528,122,400 | 1,522 |
| Average equity | $49,662,400 | 1,780 |
| Average total loans | $462,752,000 | 1,234 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7159% | 478 |
| Cost of funding earning assets | 0.4018% | 1,681 |
| Net interest margin | 4.3141% | 437 |
| Noninterest income to average assets | 0.2281% | 4,041 |
| Noninterest expense to average assets | 1.5753% | 4,497 |
| Loan and lease loss provision to assets | 0.1984% | 522 |
| Net operating income to assets | 1.9518% | 501 |
| Return on assets (ROA) | 1.9549% | 524 |
| Pretax return on assets | 2.5475% | 319 |
| Return on Equity (ROE) | 21.7077% | 320 |
| Retained earnings to average equity (ytd only) | 20.4687% | 114 |
| Net charge-offs to loans | -0.0148% | 3,844 |
| Credit loss provision to net charge-offs | -1,632.6531% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4884% | 4,803 |
| Assets per employee ($millions) | 10.6189% | 540 |
| Cash dividends to net income (ytd only)* | 5.7078% | 3,102 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2060% | 2,965 |
| Loan loss allowance to noncurrent loans | 741.5771% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 3,155 |
| Noncurrent loans to loans | 0.1626% | 3,306 |
| Net loans and leases to total assets | 87.0637% | 51 |
| Net loans and leases to deposits | 100.7182% | 211 |
| Net loans and leases to core deposits | 111.7889% | 292 |
| Total domestic deposits to total assets | 86.4428% | 2,586 |
| Equity capital to assets | 8.9749% | 3,856 |
| Core capital (leverage) ratio | 9.2111% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $537,711,000 | 1,617 |
| Average earning assets | $509,666,000 | 1,587 |
| Average equity | $48,424,000 | 1,830 |
| Average total loans | $441,077,750 | 1,303 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5062% | 715 |
| Cost of funding earning assets | 0.4228% | 1,719 |
| Net interest margin | 4.0834% | 717 |
| Noninterest income to average assets | 0.2221% | 4,075 |
| Noninterest expense to average assets | 1.5616% | 4,561 |
| Loan and lease loss provision to assets | 0.1149% | 1,098 |
| Net operating income to assets | 1.8547% | 643 |
| Return on assets (ROA) | 1.8592% | 666 |
| Pretax return on assets | 2.4202% | 404 |
| Return on Equity (ROE) | 20.6188% | 413 |
| Retained earnings to average equity (ytd only) | 19.1324% | 185 |
| Net charge-offs to loans | -0.0163% | 3,899 |
| Credit loss provision to net charge-offs | -882.3529% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1728% | 4,799 |
| Assets per employee ($millions) | 10.3964% | 543 |
| Cash dividends to net income (ytd only)* | 7.2091% | 2,937 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2472% | 2,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 83.3659% | 157 |
| Net loans and leases to deposits | 95.2416% | 411 |
| Net loans and leases to core deposits | 104.0182% | 534 |
| Total domestic deposits to total assets | 87.5310% | 2,080 |
| Equity capital to assets | 9.1372% | 3,669 |
| Core capital (leverage) ratio | 9.6539% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $522,269,000 | 1,649 |
| Average earning assets | $494,832,667 | 1,620 |
| Average equity | $47,093,000 | 1,864 |
| Average total loans | $416,540,000 | 1,365 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3157% | 1,022 |
| Cost of funding earning assets | 0.4513% | 1,714 |
| Net interest margin | 3.8643% | 1,041 |
| Noninterest income to average assets | 0.2019% | 4,174 |
| Noninterest expense to average assets | 1.5295% | 4,622 |
| Loan and lease loss provision to assets | 0.1169% | 1,171 |
| Net operating income to assets | 1.7085% | 923 |
| Return on assets (ROA) | 1.7159% | 959 |
| Pretax return on assets | 2.2226% | 664 |
| Return on Equity (ROE) | 19.1637% | 608 |
| Retained earnings to average equity (ytd only) | 17.4223% | 395 |
| Net charge-offs to loans | -0.0171% | 3,918 |
| Credit loss provision to net charge-offs | -882.3529% | 3,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6284% | 4,754 |
| Assets per employee ($millions) | 10.1221% | 575 |
| Cash dividends to net income (ytd only)* | 9.0868% | 2,268 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2986% | 2,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.6673% | 125 |
| Net loans and leases to deposits | 96.6623% | 387 |
| Net loans and leases to core deposits | 102.3850% | 620 |
| Total domestic deposits to total assets | 87.5908% | 2,050 |
| Equity capital to assets | 9.4551% | 3,243 |
| Core capital (leverage) ratio | 9.2036% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $513,097,500 | 1,655 |
| Average earning assets | $485,672,500 | 1,631 |
| Average equity | $45,941,000 | 1,887 |
| Average total loans | $396,621,000 | 1,425 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7206% | 858 |
| Cost of funding earning assets | 0.6798% | 1,823 |
| Net interest margin | 4.0408% | 892 |
| Noninterest income to average assets | 0.1439% | 4,576 |
| Noninterest expense to average assets | 1.5820% | 4,720 |
| Loan and lease loss provision to assets | 0.2410% | 1,620 |
| Net operating income to assets | 1.6862% | 519 |
| Return on assets (ROA) | 1.6850% | 561 |
| Pretax return on assets | 2.1592% | 320 |
| Return on Equity (ROE) | 19.3095% | 264 |
| Retained earnings to average equity (ytd only) | 14.8675% | 159 |
| Net charge-offs to loans | -0.0112% | 4,282 |
| Credit loss provision to net charge-offs | -2,875.0000% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7118% | 4,876 |
| Assets per employee ($millions) | 11.0460% | 392 |
| Cash dividends to net income (ytd only)* | 23.0042% | 3,130 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4568% | 1,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.3544% | 1,781 |
| Net loans and leases to deposits | 76.8838% | 2,182 |
| Net loans and leases to core deposits | 80.3167% | 2,336 |
| Total domestic deposits to total assets | 88.9061% | 1,023 |
| Equity capital to assets | 8.4846% | 4,454 |
| Core capital (leverage) ratio | 9.2256% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $477,258,000 | 1,620 |
| Average earning assets | $453,504,600 | 1,587 |
| Average equity | $41,648,000 | 1,962 |
| Average total loans | $356,789,000 | 1,491 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6592% | 1,164 |
| Cost of funding earning assets | 0.7532% | 1,724 |
| Net interest margin | 3.9059% | 1,338 |
| Noninterest income to average assets | 0.1296% | 4,642 |
| Noninterest expense to average assets | 1.5717% | 4,754 |
| Loan and lease loss provision to assets | 0.3162% | 1,256 |
| Net operating income to assets | 1.5173% | 875 |
| Return on assets (ROA) | 1.5146% | 958 |
| Pretax return on assets | 1.9559% | 562 |
| Return on Equity (ROE) | 17.2194% | 425 |
| Retained earnings to average equity (ytd only) | 11.8291% | 454 |
| Net charge-offs to loans | -0.0094% | 4,214 |
| Credit loss provision to net charge-offs | -4,400.0000% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8544% | 4,875 |
| Assets per employee ($millions) | 9.5247% | 591 |
| Cash dividends to net income (ytd only)* | 31.3034% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4425% | 1,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 79.0988% | 700 |
| Net loans and leases to deposits | 91.8171% | 1,092 |
| Net loans and leases to core deposits | 98.2020% | 1,295 |
| Total domestic deposits to total assets | 86.1482% | 2,002 |
| Equity capital to assets | 9.2737% | 3,879 |
| Core capital (leverage) ratio | 9.1081% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $464,020,000 | 1,638 |
| Average earning assets | $441,641,250 | 1,602 |
| Average equity | $40,813,500 | 1,981 |
| Average total loans | $354,041,250 | 1,491 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5543% | 1,773 |
| Cost of funding earning assets | 0.7989% | 1,835 |
| Net interest margin | 3.7554% | 1,971 |
| Noninterest income to average assets | 0.1167% | 4,715 |
| Noninterest expense to average assets | 1.5715% | 4,804 |
| Loan and lease loss provision to assets | 0.2145% | 1,938 |
| Net operating income to assets | 1.4733% | 973 |
| Return on assets (ROA) | 1.4699% | 1,070 |
| Pretax return on assets | 1.8992% | 672 |
| Return on Equity (ROE) | 17.0136% | 452 |
| Retained earnings to average equity (ytd only) | 14.7796% | 231 |
| Net charge-offs to loans | -0.0069% | 4,102 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5947% | 4,846 |
| Assets per employee ($millions) | 9.2959% | 622 |
| Cash dividends to net income (ytd only)* | 13.1310% | 2,959 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2776% | 2,117 |
| Loan loss allowance to noncurrent loans | 805.5077% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 3,857 |
| Noncurrent loans to loans | 0.1586% | 3,824 |
| Net loans and leases to total assets | 82.7739% | 343 |
| Net loans and leases to deposits | 102.5804% | 432 |
| Net loans and leases to core deposits | 110.8334% | 706 |
| Total domestic deposits to total assets | 80.6918% | 3,684 |
| Equity capital to assets | 9.5469% | 3,618 |
| Core capital (leverage) ratio | 9.6263% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $466,298,667 | 1,600 |
| Average earning assets | $443,627,000 | 1,562 |
| Average equity | $40,285,333 | 1,989 |
| Average total loans | $349,748,333 | 1,492 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6338% | 1,897 |
| Cost of funding earning assets | 0.8639% | 2,039 |
| Net interest margin | 3.7700% | 2,085 |
| Noninterest income to average assets | 0.0973% | 4,834 |
| Noninterest expense to average assets | 1.5493% | 4,887 |
| Loan and lease loss provision to assets | 0.0832% | 2,653 |
| Net operating income to assets | 1.5453% | 706 |
| Return on assets (ROA) | 1.5335% | 792 |
| Pretax return on assets | 2.0391% | 418 |
| Return on Equity (ROE) | 18.6392% | 228 |
| Retained earnings to average equity (ytd only) | 18.6392% | 79 |
| Net charge-offs to loans | -0.0141% | 4,196 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0257% | 4,944 |
| Assets per employee ($millions) | 9.2603% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2042% | 2,648 |
| Loan loss allowance to noncurrent loans | 4,237.6238% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,517 |
| Noncurrent loans to loans | 0.0284% | 4,449 |
| Net loans and leases to total assets | 80.6774% | 608 |
| Net loans and leases to deposits | 92.3440% | 1,242 |
| Net loans and leases to core deposits | 97.9044% | 1,635 |
| Total domestic deposits to total assets | 87.3662% | 1,394 |
| Equity capital to assets | 9.3081% | 4,385 |
| Core capital (leverage) ratio | 8.6698% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8895% | 3,130 |
| Memoranda: |
| Average total assets | $480,994,500 | 1,508 |
| Average earning assets | $457,935,000 | 1,474 |
| Average equity | $39,572,500 | 1,998 |
| Average total loans | $341,460,000 | 1,484 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7027% | 2,317 |
| Cost of funding earning assets | 1.0954% | 1,345 |
| Net interest margin | 3.6073% | 3,111 |
| Noninterest income to average assets | 0.0908% | 4,952 |
| Noninterest expense to average assets | 1.5753% | 4,960 |
| Loan and lease loss provision to assets | 0.1408% | 1,511 |
| Net operating income to assets | 1.3920% | 1,367 |
| Return on assets (ROA) | 1.3920% | 1,439 |
| Pretax return on assets | 1.8030% | 926 |
| Return on Equity (ROE) | 16.6284% | 462 |
| Retained earnings to average equity (ytd only) | 16.0676% | 66 |
| Net charge-offs to loans | 0.0320% | 2,751 |
| Credit loss provision to net charge-offs | 612.2449% | 505 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 761 |
| Efficiency ratio | 44.7639% | 4,952 |
| Assets per employee ($millions) | 10.9740% | 298 |
| Cash dividends to net income (ytd only)* | 3.3727% | 3,871 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2727% | 2,057 |
| Loan loss allowance to noncurrent loans | 208,400.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,700 |
| Noncurrent loans to loans | 0.0006% | 4,617 |
| Net loans and leases to total assets | 61.3827% | 3,463 |
| Net loans and leases to deposits | 68.2462% | 3,799 |
| Net loans and leases to core deposits | 71.7926% | 3,867 |
| Total domestic deposits to total assets | 89.9429% | 339 |
| Equity capital to assets | 7.3342% | 5,118 |
| Core capital (leverage) ratio | 8.8029% | 4,664 |
| Tier 1 risk-based capital ratio | 10.3650% | 5,061 |
| Total risk-based capital ratio | 11.4863% | 5,025 |
| Memoranda: |
| Average total assets | $426,003,600 | 1,646 |
| Average earning assets | $404,875,400 | 1,607 |
| Average equity | $35,661,800 | 2,110 |
| Average total loans | $305,909,400 | 1,579 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8741% | 1,900 |
| Cost of funding earning assets | 1.1749% | 1,094 |
| Net interest margin | 3.6991% | 2,926 |
| Noninterest income to average assets | 0.1015% | 4,984 |
| Noninterest expense to average assets | 1.6566% | 4,958 |
| Loan and lease loss provision to assets | 0.1497% | 1,267 |
| Net operating income to assets | 1.3728% | 1,564 |
| Return on assets (ROA) | 1.3728% | 1,632 |
| Pretax return on assets | 1.8109% | 1,067 |
| Return on Equity (ROE) | 15.7580% | 644 |
| Retained earnings to average equity (ytd only) | 15.7580% | 115 |
| Net charge-offs to loans | 0.0479% | 2,151 |
| Credit loss provision to net charge-offs | 416.6667% | 729 |
| Earnings coverage of net charge-offs (x) | 54.5727% | 1,127 |
| Efficiency ratio | 45.7973% | 4,943 |
| Assets per employee ($millions) | 8.3823% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2182% | 2,417 |
| Loan loss allowance to noncurrent loans | 133,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,780 |
| Noncurrent loans to loans | 0.0009% | 4,698 |
| Net loans and leases to total assets | 84.2860% | 320 |
| Net loans and leases to deposits | 98.0076% | 817 |
| Net loans and leases to core deposits | 113.1342% | 789 |
| Total domestic deposits to total assets | 85.9995% | 1,998 |
| Equity capital to assets | 9.6022% | 4,384 |
| Core capital (leverage) ratio | 10.1514% | 3,475 |
| Tier 1 risk-based capital ratio | 10.6899% | 5,024 |
| Total risk-based capital ratio | 11.8499% | 4,973 |
| Memoranda: |
| Average total assets | $400,816,250 | 1,752 |
| Average earning assets | $380,945,000 | 1,715 |
| Average equity | $34,919,000 | 2,155 |
| Average total loans | $300,511,000 | 1,615 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6932% | 2,381 |
| Cost of funding earning assets | 1.1450% | 1,150 |
| Net interest margin | 3.5483% | 3,443 |
| Noninterest income to average assets | 0.0976% | 5,047 |
| Noninterest expense to average assets | 1.5832% | 5,072 |
| Loan and lease loss provision to assets | 0.1478% | 1,247 |
| Net operating income to assets | 1.3235% | 1,684 |
| Return on assets (ROA) | 1.3235% | 1,739 |
| Pretax return on assets | 1.7458% | 1,180 |
| Return on Equity (ROE) | 15.6998% | 643 |
| Retained earnings to average equity (ytd only) | 15.6998% | 142 |
| Net charge-offs to loans | 0.0694% | 1,667 |
| Credit loss provision to net charge-offs | 297.0297% | 912 |
| Earnings coverage of net charge-offs (x) | 38.0495% | 1,280 |
| Efficiency ratio | 45.5357% | 5,006 |
| Assets per employee ($millions) | 8.0107% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3168% | 1,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 80.3523% | 829 |
| Net loans and leases to deposits | 93.2788% | 1,341 |
| Net loans and leases to core deposits | 104.6461% | 1,329 |
| Total domestic deposits to total assets | 86.1421% | 1,958 |
| Equity capital to assets | 9.8666% | 4,085 |
| Core capital (leverage) ratio | 9.9136% | 3,683 |
| Tier 1 risk-based capital ratio | 11.5446% | 4,663 |
| Total risk-based capital ratio | 12.7963% | 4,553 |
| Memoranda: |
| Average total assets | $405,892,670 | 1,740 |
| Average earning assets | $386,555,670 | 1,694 |
| Average equity | $34,217,000 | 2,183 |
| Average total loans | $291,013,330 | 1,654 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4739% | 2,960 |
| Cost of funding earning assets | 1.0436% | 1,400 |
| Net interest margin | 3.4303% | 3,812 |
| Noninterest income to average assets | 0.0812% | 5,141 |
| Noninterest expense to average assets | 1.4064% | 5,218 |
| Loan and lease loss provision to assets | 0.1400% | 1,227 |
| Net operating income to assets | 1.3663% | 1,469 |
| Return on assets (ROA) | 1.3663% | 1,512 |
| Pretax return on assets | 1.8050% | 974 |
| Return on Equity (ROE) | 17.4587% | 449 |
| Retained earnings to average equity (ytd only) | 17.4587% | 165 |
| Net charge-offs to loans | -0.0166% | 4,419 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9660% | 5,163 |
| Assets per employee ($millions) | 9.7107% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3031% | 2,076 |
| Loan loss allowance to noncurrent loans | 7,656.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,804 |
| Noncurrent loans to loans | 0.0170% | 4,707 |
| Net loans and leases to total assets | 76.5543% | 1,392 |
| Net loans and leases to deposits | 88.4262% | 1,819 |
| Net loans and leases to core deposits | 99.0658% | 1,701 |
| Total domestic deposits to total assets | 86.5741% | 2,019 |
| Equity capital to assets | 9.0587% | 4,639 |
| Core capital (leverage) ratio | 8.4967% | 5,016 |
| Tier 1 risk-based capital ratio | 10.8838% | 5,027 |
| Total risk-based capital ratio | 12.0988% | 4,946 |
| Memoranda: |
| Average total assets | $428,599,000 | 1,641 |
| Average earning assets | $408,592,000 | 1,601 |
| Average equity | $33,542,000 | 2,215 |
| Average total loans | $289,760,500 | 1,664 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5503% | 2,294 |
| Cost of funding earning assets | 1.0286% | 669 |
| Net interest margin | 3.5216% | 3,632 |
| Noninterest income to average assets | 0.0943% | 5,169 |
| Noninterest expense to average assets | 1.6081% | 5,163 |
| Loan and lease loss provision to assets | 0.1744% | 1,140 |
| Net operating income to assets | 1.2791% | 1,882 |
| Return on assets (ROA) | 1.2791% | 1,878 |
| Pretax return on assets | 1.6465% | 1,320 |
| Return on Equity (ROE) | 15.3710% | 749 |
| Retained earnings to average equity (ytd only) | 15.3710% | 102 |
| Net charge-offs to loans | -0.1319% | 5,204 |
| Credit loss provision to net charge-offs | -175.0742% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8966% | 5,090 |
| Assets per employee ($millions) | 12.9319% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2829% | 2,130 |
| Loan loss allowance to noncurrent loans | 7,332.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,848 |
| Noncurrent loans to loans | 0.0175% | 4,716 |
| Net loans and leases to total assets | 58.9580% | 3,877 |
| Net loans and leases to deposits | 65.3953% | 4,161 |
| Net loans and leases to core deposits | 70.0550% | 4,113 |
| Total domestic deposits to total assets | 90.1563% | 424 |
| Equity capital to assets | 6.8502% | 5,344 |
| Core capital (leverage) ratio | 8.4946% | 5,034 |
| Tier 1 risk-based capital ratio | 10.3017% | 5,243 |
| Total risk-based capital ratio | 11.4513% | 5,191 |
| Memoranda: |
| Average total assets | $338,288,800 | 1,958 |
| Average earning assets | $320,333,000 | 1,923 |
| Average equity | $28,150,400 | 2,448 |
| Average total loans | $255,461,200 | 1,799 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7576% | 1,525 |
| Cost of funding earning assets | 1.0745% | 440 |
| Net interest margin | 3.6831% | 3,079 |
| Noninterest income to average assets | 0.1055% | 5,193 |
| Noninterest expense to average assets | 1.7297% | 5,108 |
| Loan and lease loss provision to assets | 0.2154% | 777 |
| Net operating income to assets | 1.2579% | 2,008 |
| Return on assets (ROA) | 1.2579% | 2,014 |
| Pretax return on assets | 1.6343% | 1,470 |
| Return on Equity (ROE) | 14.1313% | 1,083 |
| Retained earnings to average equity (ytd only) | 14.1313% | 237 |
| Net charge-offs to loans | -0.1753% | 5,277 |
| Credit loss provision to net charge-offs | -150.3067% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3233% | 5,035 |
| Assets per employee ($millions) | 9.0023% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2866% | 2,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.8854% | 736 |
| Net loans and leases to deposits | 95.4215% | 1,221 |
| Net loans and leases to core deposits | 108.2149% | 1,155 |
| Total domestic deposits to total assets | 85.8144% | 2,277 |
| Equity capital to assets | 9.0905% | 4,466 |
| Core capital (leverage) ratio | 9.7909% | 3,850 |
| Tier 1 risk-based capital ratio | 10.6845% | 5,180 |
| Total risk-based capital ratio | 11.9362% | 5,089 |
| Memoranda: |
| Average total assets | $303,240,750 | 2,140 |
| Average earning assets | $286,017,750 | 2,110 |
| Average equity | $26,993,750 | 2,519 |
| Average total loans | $247,884,250 | 1,841 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7019% | 1,508 |
| Cost of funding earning assets | 0.9608% | 556 |
| Net interest margin | 3.7411% | 2,786 |
| Noninterest income to average assets | 0.1180% | 5,201 |
| Noninterest expense to average assets | 1.7211% | 5,174 |
| Loan and lease loss provision to assets | 0.2864% | 489 |
| Net operating income to assets | 1.2520% | 1,973 |
| Return on assets (ROA) | 1.2520% | 1,973 |
| Pretax return on assets | 1.6393% | 1,378 |
| Return on Equity (ROE) | 14.1783% | 1,033 |
| Retained earnings to average equity (ytd only) | 14.1783% | 261 |
| Net charge-offs to loans | -0.1107% | 5,199 |
| Credit loss provision to net charge-offs | -318.1818% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1952% | 5,159 |
| Assets per employee ($millions) | 8.1513% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2855% | 2,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 86.1194% | 254 |
| Net loans and leases to deposits | 103.4217% | 555 |
| Net loans and leases to core deposits | 117.7600% | 639 |
| Total domestic deposits to total assets | 83.2701% | 3,338 |
| Equity capital to assets | 9.2954% | 4,283 |
| Core capital (leverage) ratio | 9.6628% | 3,928 |
| Tier 1 risk-based capital ratio | 10.3717% | 5,323 |
| Total risk-based capital ratio | 11.6223% | 5,229 |
| Memoranda: |
| Average total assets | $293,293,000 | 2,213 |
| Average earning assets | $276,655,330 | 2,176 |
| Average equity | $25,898,670 | 2,599 |
| Average total loans | $238,411,670 | 1,900 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4226% | 2,121 |
| Cost of funding earning assets | 0.8764% | 673 |
| Net interest margin | 3.5461% | 3,359 |
| Noninterest income to average assets | 0.1078% | 5,298 |
| Noninterest expense to average assets | 1.6602% | 5,281 |
| Loan and lease loss provision to assets | 0.2865% | 469 |
| Net operating income to assets | 1.1527% | 2,204 |
| Return on assets (ROA) | 1.1527% | 2,216 |
| Pretax return on assets | 1.5115% | 1,662 |
| Return on Equity (ROE) | 13.4076% | 1,160 |
| Retained earnings to average equity (ytd only) | 13.4076% | 468 |
| Net charge-offs to loans | -0.0436% | 4,906 |
| Credit loss provision to net charge-offs | -840.0000% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0079% | 5,193 |
| Assets per employee ($millions) | 9.6376% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2813% | 2,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 81.9794% | 667 |
| Net loans and leases to deposits | 96.4242% | 986 |
| Net loans and leases to core deposits | 106.3571% | 1,211 |
| Total domestic deposits to total assets | 85.0196% | 2,924 |
| Equity capital to assets | 9.4107% | 4,171 |
| Core capital (leverage) ratio | 9.2209% | 4,407 |
| Tier 1 risk-based capital ratio | 10.9633% | 5,148 |
| Total risk-based capital ratio | 12.2026% | 5,060 |
| Memoranda: |
| Average total assets | $293,217,000 | 2,233 |
| Average earning assets | $277,033,500 | 2,196 |
| Average equity | $25,209,500 | 2,675 |
| Average total loans | $229,615,500 | 1,970 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5155% | 1,664 |
| Cost of funding earning assets | 0.8593% | 461 |
| Net interest margin | 3.6562% | 2,965 |
| Noninterest income to average assets | 0.1580% | 5,170 |
| Noninterest expense to average assets | 1.7352% | 5,298 |
| Loan and lease loss provision to assets | 0.2728% | 656 |
| Net operating income to assets | 0.9896% | 2,293 |
| Return on assets (ROA) | 0.9896% | 2,327 |
| Pretax return on assets | 1.5858% | 1,333 |
| Return on Equity (ROE) | 11.4916% | 1,342 |
| Retained earnings to average equity (ytd only) | 11.4916% | 212 |
| Net charge-offs to loans | 0.2008% | 1,280 |
| Credit loss provision to net charge-offs | 165.4321% | 1,622 |
| Earnings coverage of net charge-offs (x) | 11.2691% | 2,584 |
| Efficiency ratio | 48.2833% | 5,300 |
| Assets per employee ($millions) | 10.9623% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2059% | 2,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 73.1058% | 2,078 |
| Net loans and leases to deposits | 84.5417% | 2,434 |
| Net loans and leases to core deposits | 92.4379% | 2,331 |
| Total domestic deposits to total assets | 86.4731% | 2,239 |
| Equity capital to assets | 7.8572% | 5,439 |
| Core capital (leverage) ratio | 8.8906% | 4,767 |
| Tier 1 risk-based capital ratio | 10.3465% | 5,429 |
| Total risk-based capital ratio | 11.5234% | 5,380 |
| Memoranda: |
| Average total assets | $245,556,800 | 2,524 |
| Average earning assets | $230,761,200 | 2,493 |
| Average equity | $21,145,800 | 3,024 |
| Average total loans | $201,737,800 | 2,139 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5481% | 1,509 |
| Cost of funding earning assets | 0.8836% | 383 |
| Net interest margin | 3.6645% | 2,896 |
| Noninterest income to average assets | 0.1674% | 5,180 |
| Noninterest expense to average assets | 1.8331% | 5,229 |
| Loan and lease loss provision to assets | 0.2433% | 718 |
| Net operating income to assets | 1.0049% | 2,533 |
| Return on assets (ROA) | 1.0049% | 2,576 |
| Pretax return on assets | 1.5284% | 1,672 |
| Return on Equity (ROE) | 11.3379% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.3379% | 364 |
| Net charge-offs to loans | 0.1549% | 1,312 |
| Credit loss provision to net charge-offs | 185.0220% | 1,435 |
| Earnings coverage of net charge-offs (x) | 13.4757% | 2,346 |
| Efficiency ratio | 50.8515% | 5,189 |
| Assets per employee ($millions) | 9.7166% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2514% | 2,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 86.6348% | 219 |
| Net loans and leases to deposits | 102.4347% | 588 |
| Net loans and leases to core deposits | 112.3486% | 911 |
| Total domestic deposits to total assets | 84.5756% | 2,890 |
| Equity capital to assets | 9.0448% | 4,877 |
| Core capital (leverage) ratio | 9.2879% | 4,423 |
| Tier 1 risk-based capital ratio | 10.1092% | 5,571 |
| Total risk-based capital ratio | 11.3400% | 5,533 |
| Memoranda: |
| Average total assets | $230,210,250 | 2,661 |
| Average earning assets | $215,937,750 | 2,633 |
| Average equity | $20,403,000 | 3,116 |
| Average total loans | $195,389,250 | 2,205 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4944% | 1,523 |
| Cost of funding earning assets | 0.8823% | 344 |
| Net interest margin | 3.6122% | 2,991 |
| Noninterest income to average assets | 0.1947% | 5,073 |
| Noninterest expense to average assets | 1.8887% | 5,201 |
| Loan and lease loss provision to assets | 0.2213% | 796 |
| Net operating income to assets | 0.9585% | 2,615 |
| Return on assets (ROA) | 0.9585% | 2,676 |
| Pretax return on assets | 1.4727% | 1,749 |
| Return on Equity (ROE) | 10.8952% | 1,682 |
| Retained earnings to average equity (ytd only) | 10.8952% | 456 |
| Net charge-offs to loans | 0.2713% | 748 |
| Credit loss provision to net charge-offs | 97.2763% | 2,067 |
| Earnings coverage of net charge-offs (x) | 7.4475% | 2,601 |
| Efficiency ratio | 52.7174% | 5,119 |
| Assets per employee ($millions) | 9.8081% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2521% | 2,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.6516% | 587 |
| Net loans and leases to deposits | 97.4051% | 947 |
| Net loans and leases to core deposits | 108.4415% | 1,081 |
| Total domestic deposits to total assets | 84.8535% | 2,870 |
| Equity capital to assets | 9.0593% | 4,844 |
| Core capital (leverage) ratio | 9.1732% | 4,528 |
| Tier 1 risk-based capital ratio | 10.4449% | 5,482 |
| Total risk-based capital ratio | 11.6569% | 5,431 |
| Memoranda: |
| Average total assets | $225,975,670 | 2,714 |
| Average earning assets | $211,950,670 | 2,677 |
| Average equity | $19,880,330 | 3,172 |
| Average total loans | $189,480,670 | 2,263 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4616% | 1,466 |
| Cost of funding earning assets | 0.8596% | 362 |
| Net interest margin | 3.6020% | 2,881 |
| Noninterest income to average assets | 0.1735% | 5,238 |
| Noninterest expense to average assets | 1.9542% | 5,142 |
| Loan and lease loss provision to assets | 0.1808% | 961 |
| Net operating income to assets | 0.9093% | 2,715 |
| Return on assets (ROA) | 0.9093% | 2,769 |
| Pretax return on assets | 1.4173% | 1,830 |
| Return on Equity (ROE) | 10.5021% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.5021% | 703 |
| Net charge-offs to loans | -0.0431% | 5,115 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0127% | 5,042 |
| Assets per employee ($millions) | 9.8707% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3364% | 2,352 |
| Loan loss allowance to noncurrent loans | 416.3724% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 4,114 |
| Noncurrent loans to loans | 0.3210% | 3,970 |
| Net loans and leases to total assets | 84.3560% | 331 |
| Net loans and leases to deposits | 100.0653% | 609 |
| Net loans and leases to core deposits | 111.7850% | 784 |
| Total domestic deposits to total assets | 84.3009% | 3,362 |
| Equity capital to assets | 8.9523% | 4,859 |
| Core capital (leverage) ratio | 9.3353% | 4,297 |
| Tier 1 risk-based capital ratio | 10.0040% | 5,696 |
| Total risk-based capital ratio | 11.2539% | 5,663 |
| Memoranda: |
| Average total assets | $221,266,500 | 2,780 |
| Average earning assets | $207,549,500 | 2,754 |
| Average equity | $19,158,000 | 3,272 |
| Average total loans | $185,709,000 | 2,308 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3076% | 2,115 |
| Cost of funding earning assets | 0.8003% | 509 |
| Net interest margin | 3.5073% | 3,398 |
| Noninterest income to average assets | 0.1868% | 5,280 |
| Noninterest expense to average assets | 1.9363% | 5,311 |
| Loan and lease loss provision to assets | 0.2729% | 739 |
| Net operating income to assets | 0.8789% | 2,937 |
| Return on assets (ROA) | 0.8789% | 3,052 |
| Pretax return on assets | 1.2683% | 2,406 |
| Return on Equity (ROE) | 9.7620% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.7620% | 455 |
| Net charge-offs to loans | 0.1902% | 1,456 |
| Credit loss provision to net charge-offs | 174.4966% | 1,591 |
| Earnings coverage of net charge-offs (x) | 9.8557% | 2,713 |
| Efficiency ratio | 55.6813% | 5,092 |
| Assets per employee ($millions) | 9.3699% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3953% | 2,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.1296% | 727 |
| Net loans and leases to deposits | 95.5128% | 1,042 |
| Net loans and leases to core deposits | 105.6110% | 1,156 |
| Total domestic deposits to total assets | 84.9411% | 3,076 |
| Equity capital to assets | 8.3487% | 5,392 |
| Core capital (leverage) ratio | 8.6906% | 5,086 |
| Tier 1 risk-based capital ratio | 9.6214% | 5,807 |
| Total risk-based capital ratio | 10.8720% | 5,788 |
| Memoranda: |
| Average total assets | $190,573,400 | 3,054 |
| Average earning assets | $178,798,600 | 3,028 |
| Average equity | $17,158,400 | 3,535 |
| Average total loans | $156,675,800 | 2,559 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2298% | 2,414 |
| Cost of funding earning assets | 0.7871% | 543 |
| Net interest margin | 3.4427% | 3,697 |
| Noninterest income to average assets | 0.1967% | 5,286 |
| Noninterest expense to average assets | 1.9789% | 5,248 |
| Loan and lease loss provision to assets | 0.2676% | 671 |
| Net operating income to assets | 0.8115% | 3,316 |
| Return on assets (ROA) | 0.8115% | 3,453 |
| Pretax return on assets | 1.1804% | 2,915 |
| Return on Equity (ROE) | 8.8257% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.8257% | 871 |
| Net charge-offs to loans | 0.2622% | 893 |
| Credit loss provision to net charge-offs | 124.1611% | 2,042 |
| Earnings coverage of net charge-offs (x) | 6.7182% | 2,973 |
| Efficiency ratio | 57.7459% | 4,852 |
| Assets per employee ($millions) | 8.6855% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3448% | 2,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 85.3449% | 299 |
| Net loans and leases to deposits | 101.7413% | 593 |
| Net loans and leases to core deposits | 114.5150% | 703 |
| Total domestic deposits to total assets | 83.8841% | 3,248 |
| Equity capital to assets | 8.7978% | 5,320 |
| Core capital (leverage) ratio | 8.7453% | 5,105 |
| Tier 1 risk-based capital ratio | 10.1104% | 5,759 |
| Total risk-based capital ratio | 11.3613% | 5,701 |
| Memoranda: |
| Average total assets | $184,340,000 | 3,125 |
| Average earning assets | $172,960,000 | 3,090 |
| Average equity | $16,950,000 | 3,587 |
| Average total loans | $151,516,250 | 2,622 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1892% | 2,543 |
| Cost of funding earning assets | 0.7656% | 586 |
| Net interest margin | 3.4236% | 3,785 |
| Noninterest income to average assets | 0.1797% | 5,416 |
| Noninterest expense to average assets | 2.0156% | 5,241 |
| Loan and lease loss provision to assets | 0.2679% | 694 |
| Net operating income to assets | 0.7522% | 3,539 |
| Return on assets (ROA) | 0.7522% | 3,692 |
| Pretax return on assets | 1.1105% | 3,161 |
| Return on Equity (ROE) | 8.0518% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.0518% | 1,154 |
| Net charge-offs to loans | 0.3393% | 696 |
| Credit loss provision to net charge-offs | 97.9592% | 2,155 |
| Earnings coverage of net charge-offs (x) | 5.0408% | 2,899 |
| Efficiency ratio | 59.3884% | 4,729 |
| Assets per employee ($millions) | 8.2602% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4305% | 2,159 |
| Loan loss allowance to noncurrent loans | 4,161.1111% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 3,358 |
| Noncurrent loans to loans | 0.0344% | 5,332 |
| Net loans and leases to total assets | 81.4974% | 681 |
| Net loans and leases to deposits | 96.0026% | 1,078 |
| Net loans and leases to core deposits | 108.9407% | 984 |
| Total domestic deposits to total assets | 84.8908% | 2,928 |
| Equity capital to assets | 9.0044% | 5,234 |
| Core capital (leverage) ratio | 9.2510% | 4,520 |
| Tier 1 risk-based capital ratio | 10.7264% | 5,563 |
| Total risk-based capital ratio | 11.9781% | 5,484 |
| Memoranda: |
| Average total assets | $179,198,000 | 3,200 |
| Average earning assets | $168,243,670 | 3,166 |
| Average equity | $16,741,670 | 3,622 |
| Average total loans | $144,417,000 | 2,713 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1087% | 2,818 |
| Cost of funding earning assets | 0.7513% | 630 |
| Net interest margin | 3.3574% | 4,016 |
| Noninterest income to average assets | 0.1381% | 5,657 |
| Noninterest expense to average assets | 1.9723% | 5,396 |
| Loan and lease loss provision to assets | 0.2762% | 602 |
| Net operating income to assets | 0.7065% | 3,683 |
| Return on assets (ROA) | 0.7065% | 3,800 |
| Pretax return on assets | 1.0472% | 3,289 |
| Return on Equity (ROE) | 7.4159% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.4159% | 1,699 |
| Net charge-offs to loans | 0.7097% | 297 |
| Credit loss provision to net charge-offs | 48.9796% | 2,061 |
| Earnings coverage of net charge-offs (x) | 2.3469% | 2,696 |
| Efficiency ratio | 59.8464% | 4,768 |
| Assets per employee ($millions) | 8.1240% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5202% | 1,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 3,392 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.0969% | 1,235 |
| Net loans and leases to deposits | 89.0901% | 1,691 |
| Net loans and leases to core deposits | 103.0320% | 1,261 |
| Total domestic deposits to total assets | 86.5381% | 2,426 |
| Equity capital to assets | 9.3595% | 4,826 |
| Core capital (leverage) ratio | 9.5142% | 4,171 |
| Tier 1 risk-based capital ratio | 11.8961% | 4,980 |
| Total risk-based capital ratio | 13.1488% | 4,884 |
| Memoranda: |
| Average total assets | $173,805,000 | 3,284 |
| Average earning assets | $163,459,500 | 3,233 |
| Average equity | $16,559,000 | 3,652 |
| Average total loans | $138,086,000 | 2,822 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3668% | 2,008 |
| Cost of funding earning assets | 0.6837% | 892 |
| Net interest margin | 3.6831% | 2,809 |
| Noninterest income to average assets | 0.1449% | 5,687 |
| Noninterest expense to average assets | 1.8227% | 5,709 |
| Loan and lease loss provision to assets | 0.4238% | 305 |
| Net operating income to assets | 0.8910% | 2,922 |
| Return on assets (ROA) | 0.8923% | 2,996 |
| Pretax return on assets | 1.3653% | 2,049 |
| Return on Equity (ROE) | 8.7490% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.7490% | 719 |
| Net charge-offs to loans | 0.0724% | 2,800 |
| Credit loss provision to net charge-offs | 696.8085% | 484 |
| Earnings coverage of net charge-offs (x) | 29.3830% | 1,474 |
| Efficiency ratio | 50.4929% | 5,737 |
| Assets per employee ($millions) | 9.3824% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6528% | 1,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.3449% | 941 |
| Net loans and leases to deposits | 93.5617% | 1,243 |
| Net loans and leases to core deposits | 110.2400% | 839 |
| Total domestic deposits to total assets | 84.8049% | 3,173 |
| Equity capital to assets | 9.7049% | 4,298 |
| Core capital (leverage) ratio | 9.9251% | 3,611 |
| Tier 1 risk-based capital ratio | 12.0983% | 4,887 |
| Total risk-based capital ratio | 13.3533% | 4,785 |
| Memoranda: |
| Average total assets | $154,548,400 | 3,501 |
| Average earning assets | $145,392,400 | 3,467 |
| Average equity | $15,761,800 | 3,717 |
| Average total loans | $129,890,200 | 2,890 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3730% | 2,001 |
| Cost of funding earning assets | 0.6776% | 941 |
| Net interest margin | 3.6954% | 2,791 |
| Noninterest income to average assets | 0.1387% | 5,792 |
| Noninterest expense to average assets | 1.7840% | 5,795 |
| Loan and lease loss provision to assets | 0.3356% | 408 |
| Net operating income to assets | 0.9698% | 2,621 |
| Return on assets (ROA) | 0.9715% | 2,700 |
| Pretax return on assets | 1.4943% | 1,693 |
| Return on Equity (ROE) | 9.3986% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.3986% | 760 |
| Net charge-offs to loans | 0.1029% | 2,106 |
| Credit loss provision to net charge-offs | 383.8384% | 786 |
| Earnings coverage of net charge-offs (x) | 20.8985% | 1,845 |
| Efficiency ratio | 49.4008% | 5,810 |
| Assets per employee ($millions) | 9.5639% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4015% | 2,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 5,071 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 85.3309% | 267 |
| Net loans and leases to deposits | 101.9728% | 546 |
| Net loans and leases to core deposits | 120.3990% | 456 |
| Total domestic deposits to total assets | 83.6801% | 3,545 |
| Equity capital to assets | 9.9411% | 4,237 |
| Core capital (leverage) ratio | 10.1755% | 3,408 |
| Tier 1 risk-based capital ratio | 11.6943% | 5,269 |
| Total risk-based capital ratio | 12.9468% | 5,188 |
| Memoranda: |
| Average total assets | $150,964,750 | 3,584 |
| Average earning assets | $141,866,250 | 3,543 |
| Average equity | $15,604,750 | 3,785 |
| Average total loans | $128,299,750 | 2,932 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3625% | 1,967 |
| Cost of funding earning assets | 0.6768% | 954 |
| Net interest margin | 3.6857% | 2,771 |
| Noninterest income to average assets | 0.1604% | 5,745 |
| Noninterest expense to average assets | 1.7608% | 5,908 |
| Loan and lease loss provision to assets | 0.3943% | 305 |
| Net operating income to assets | 0.9451% | 2,664 |
| Return on assets (ROA) | 0.9477% | 2,763 |
| Pretax return on assets | 1.4671% | 1,741 |
| Return on Equity (ROE) | 9.0410% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.0410% | 912 |
| Net charge-offs to loans | 0.1595% | 1,521 |
| Credit loss provision to net charge-offs | 292.9293% | 940 |
| Earnings coverage of net charge-offs (x) | 13.7980% | 2,101 |
| Efficiency ratio | 48.6659% | 5,925 |
| Assets per employee ($millions) | 9.8251% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4479% | 2,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 5,059 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 81.4850% | 608 |
| Net loans and leases to deposits | 98.4196% | 760 |
| Net loans and leases to core deposits | 114.5955% | 645 |
| Total domestic deposits to total assets | 82.7935% | 4,034 |
| Equity capital to assets | 10.0088% | 4,029 |
| Core capital (leverage) ratio | 10.2634% | 3,264 |
| Tier 1 risk-based capital ratio | 12.1417% | 5,045 |
| Total risk-based capital ratio | 13.3940% | 4,943 |
| Memoranda: |
| Average total assets | $147,090,670 | 3,674 |
| Average earning assets | $137,993,000 | 3,634 |
| Average equity | $15,418,670 | 3,831 |
| Average total loans | $124,163,330 | 3,016 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4685% | 1,553 |
| Cost of funding earning assets | 0.6727% | 984 |
| Net interest margin | 3.7958% | 2,246 |
| Noninterest income to average assets | 0.1267% | 5,970 |
| Noninterest expense to average assets | 1.8024% | 5,896 |
| Loan and lease loss provision to assets | 0.4224% | 261 |
| Net operating income to assets | 0.9406% | 2,554 |
| Return on assets (ROA) | 0.9406% | 2,689 |
| Pretax return on assets | 1.4616% | 1,693 |
| Return on Equity (ROE) | 8.7543% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.7543% | 1,287 |
| Net charge-offs to loans | 0.5575% | 442 |
| Credit loss provision to net charge-offs | 88.7574% | 1,752 |
| Earnings coverage of net charge-offs (x) | 3.9586% | 2,545 |
| Efficiency ratio | 48.8923% | 5,979 |
| Assets per employee ($millions) | 9.2930% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3412% | 3,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 5,093 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.7182% | 396 |
| Net loans and leases to deposits | 100.8073% | 520 |
| Net loans and leases to core deposits | 117.7622% | 462 |
| Total domestic deposits to total assets | 82.0557% | 4,496 |
| Equity capital to assets | 10.3808% | 3,680 |
| Core capital (leverage) ratio | 10.6340% | 2,814 |
| Tier 1 risk-based capital ratio | 12.4584% | 4,934 |
| Total risk-based capital ratio | 13.7096% | 4,853 |
| Memoranda: |
| Average total assets | $142,035,000 | 3,775 |
| Average earning assets | $133,199,500 | 3,733 |
| Average equity | $15,261,000 | 3,877 |
| Average total loans | $121,256,000 | 3,074 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5791% | 1,614 |
| Cost of funding earning assets | 0.6743% | 1,249 |
| Net interest margin | 3.9048% | 2,220 |
| Noninterest income to average assets | 0.0425% | 6,308 |
| Noninterest expense to average assets | 2.0113% | 5,742 |
| Loan and lease loss provision to assets | 0.3313% | 587 |
| Net operating income to assets | 0.8604% | 3,061 |
| Return on assets (ROA) | 0.8604% | 3,159 |
| Pretax return on assets | 1.3641% | 2,021 |
| Return on Equity (ROE) | 7.9568% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.9568% | 1,034 |
| Net charge-offs to loans | 0.0349% | 4,136 |
| Credit loss provision to net charge-offs | 1,114.2857% | 252 |
| Earnings coverage of net charge-offs (x) | 57.0286% | 826 |
| Efficiency ratio | 54.2621% | 5,820 |
| Assets per employee ($millions) | 8.4614% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4349% | 2,774 |
| Loan loss allowance to noncurrent loans | 360.5544% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 4,670 |
| Noncurrent loans to loans | 0.3980% | 4,451 |
| Net loans and leases to total assets | 85.7994% | 221 |
| Net loans and leases to deposits | 104.4925% | 418 |
| Net loans and leases to core deposits | 118.4526% | 448 |
| Total domestic deposits to total assets | 82.1106% | 4,378 |
| Equity capital to assets | 11.1440% | 2,757 |
| Core capital (leverage) ratio | 11.6034% | 1,896 |
| Tier 1 risk-based capital ratio | 12.8839% | 4,803 |
| Total risk-based capital ratio | 14.1369% | 4,717 |
| Memoranda: |
| Average total assets | $117,733,200 | 4,231 |
| Average earning assets | $110,480,200 | 4,170 |
| Average equity | $12,731,200 | 4,237 |
| Average total loans | $100,368,600 | 3,416 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5741% | 1,630 |
| Cost of funding earning assets | 0.6762% | 1,285 |
| Net interest margin | 3.8979% | 2,252 |
| Noninterest income to average assets | 0.0071% | 6,463 |
| Noninterest expense to average assets | 2.1261% | 5,520 |
| Loan and lease loss provision to assets | 0.2059% | 1,140 |
| Net operating income to assets | 0.8460% | 3,200 |
| Return on assets (ROA) | 0.8460% | 3,292 |
| Pretax return on assets | 1.3378% | 2,243 |
| Return on Equity (ROE) | 7.8951% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.8951% | 1,411 |
| Net charge-offs to loans | 0.0153% | 4,244 |
| Credit loss provision to net charge-offs | 1,590.9091% | 230 |
| Earnings coverage of net charge-offs (x) | 119.2427% | 497 |
| Efficiency ratio | 57.9352% | 5,457 |
| Assets per employee ($millions) | 7.0961% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3921% | 3,216 |
| Loan loss allowance to noncurrent loans | 1,339.2857% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 5,791 |
| Noncurrent loans to loans | 0.1039% | 5,625 |
| Net loans and leases to total assets | 88.0796% | 110 |
| Net loans and leases to deposits | 104.5509% | 379 |
| Net loans and leases to core deposits | 112.5882% | 635 |
| Total domestic deposits to total assets | 84.2457% | 3,663 |
| Equity capital to assets | 10.5924% | 3,437 |
| Core capital (leverage) ratio | 10.8025% | 2,694 |
| Tier 1 risk-based capital ratio | 12.0938% | 5,430 |
| Total risk-based capital ratio | 13.3465% | 5,346 |
| Memoranda: |
| Average total assets | $113,321,000 | 4,348 |
| Average earning assets | $106,481,500 | 4,292 |
| Average equity | $12,142,250 | 4,359 |
| Average total loans | $95,998,750 | 3,532 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5403% | 1,692 |
| Cost of funding earning assets | 0.6833% | 1,288 |
| Net interest margin | 3.8571% | 2,349 |
| Noninterest income to average assets | -0.0234% | 6,579 |
| Noninterest expense to average assets | 2.2510% | 5,281 |
| Loan and lease loss provision to assets | 0.1263% | 1,956 |
| Net operating income to assets | 0.7774% | 3,440 |
| Return on assets (ROA) | 0.7774% | 3,538 |
| Pretax return on assets | 1.2139% | 2,600 |
| Return on Equity (ROE) | 7.2253% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.2253% | 1,653 |
| Net charge-offs to loans | 0.0239% | 3,722 |
| Credit loss provision to net charge-offs | 636.3636% | 478 |
| Earnings coverage of net charge-offs (x) | 67.5455% | 746 |
| Efficiency ratio | 62.6821% | 4,913 |
| Assets per employee ($millions) | 6.7524% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4680% | 3,040 |
| Loan loss allowance to noncurrent loans | 911.7647% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 5,756 |
| Noncurrent loans to loans | 0.1610% | 5,529 |
| Net loans and leases to total assets | 81.5656% | 514 |
| Net loans and leases to deposits | 92.1138% | 1,136 |
| Net loans and leases to core deposits | 99.0878% | 1,357 |
| Total domestic deposits to total assets | 88.5488% | 1,607 |
| Equity capital to assets | 10.8911% | 2,986 |
| Core capital (leverage) ratio | 10.8641% | 2,570 |
| Tier 1 risk-based capital ratio | 12.9700% | 4,932 |
| Total risk-based capital ratio | 14.2199% | 4,868 |
| Memoranda: |
| Average total assets | $110,883,330 | 4,426 |
| Average earning assets | $103,913,330 | 4,367 |
| Average equity | $11,930,330 | 4,407 |
| Average total loans | $92,080,330 | 3,635 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5970% | 1,513 |
| Cost of funding earning assets | 0.6775% | 1,385 |
| Net interest margin | 3.9194% | 2,017 |
| Noninterest income to average assets | 0.0257% | 6,555 |
| Noninterest expense to average assets | 2.3061% | 5,175 |
| Loan and lease loss provision to assets | 0.2570% | 831 |
| Net operating income to assets | 0.7161% | 3,598 |
| Return on assets (ROA) | 0.7161% | 3,685 |
| Pretax return on assets | 1.1163% | 2,827 |
| Return on Equity (ROE) | 6.6984% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.6984% | 2,192 |
| Net charge-offs to loans | 0.0486% | 2,704 |
| Credit loss provision to net charge-offs | 636.3636% | 448 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 970 |
| Efficiency ratio | 62.6747% | 5,038 |
| Assets per employee ($millions) | 6.3699% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4858% | 3,202 |
| Loan loss allowance to noncurrent loans | 204.2460% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 2,595 |
| Noncurrent loans to loans | 0.7274% | 4,044 |
| Net loans and leases to total assets | 80.6712% | 484 |
| Net loans and leases to deposits | 91.5639% | 986 |
| Net loans and leases to core deposits | 99.4410% | 1,139 |
| Total domestic deposits to total assets | 88.1038% | 2,173 |
| Equity capital to assets | 10.6848% | 3,058 |
| Core capital (leverage) ratio | 10.6850% | 2,721 |
| Tier 1 risk-based capital ratio | 12.8917% | 5,067 |
| Total risk-based capital ratio | 14.1444% | 5,008 |
| Memoranda: |
| Average total assets | $108,929,500 | 4,510 |
| Average earning assets | $101,545,500 | 4,467 |
| Average equity | $11,644,500 | 4,482 |
| Average total loans | $90,608,000 | 3,688 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7420% | 1,468 |
| Cost of funding earning assets | 0.6844% | 1,927 |
| Net interest margin | 4.0576% | 1,780 |
| Noninterest income to average assets | 0.2200% | 5,759 |
| Noninterest expense to average assets | 2.3937% | 5,086 |
| Loan and lease loss provision to assets | 0.1664% | 2,196 |
| Net operating income to assets | 0.8941% | 2,812 |
| Return on assets (ROA) | 0.8941% | 2,900 |
| Pretax return on assets | 1.4212% | 1,714 |
| Return on Equity (ROE) | 7.7986% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.7986% | 1,121 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1240% | 5,451 |
| Assets per employee ($millions) | 6.0706% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5299% | 3,052 |
| Loan loss allowance to noncurrent loans | 189.7727% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.5785% | 2,362 |
| Noncurrent loans to loans | 0.8062% | 3,960 |
| Net loans and leases to total assets | 83.3219% | 301 |
| Net loans and leases to deposits | 94.6619% | 822 |
| Net loans and leases to core deposits | 103.1204% | 966 |
| Total domestic deposits to total assets | 88.0205% | 2,170 |
| Equity capital to assets | 10.6956% | 2,938 |
| Core capital (leverage) ratio | 10.7809% | 2,591 |
| Tier 1 risk-based capital ratio | 12.1766% | 5,508 |
| Total risk-based capital ratio | 13.4290% | 5,439 |
| Memoranda: |
| Average total assets | $93,161,400 | 4,902 |
| Average earning assets | $86,355,600 | 4,872 |
| Average equity | $10,681,400 | 4,701 |
| Average total loans | $76,243,600 | 4,051 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7885% | 1,377 |
| Cost of funding earning assets | 0.6827% | 2,079 |
| Net interest margin | 4.1058% | 1,618 |
| Noninterest income to average assets | 0.2177% | 5,875 |
| Noninterest expense to average assets | 2.3871% | 5,060 |
| Loan and lease loss provision to assets | 0.2059% | 1,764 |
| Net operating income to assets | 0.8957% | 2,853 |
| Return on assets (ROA) | 0.8957% | 2,970 |
| Pretax return on assets | 1.4281% | 1,840 |
| Return on Equity (ROE) | 7.6658% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.6658% | 1,562 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3636% | 5,515 |
| Assets per employee ($millions) | 6.1578% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6423% | 2,832 |
| Loan loss allowance to noncurrent loans | 185.2735% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 1.6625% | 2,472 |
| Noncurrent loans to loans | 0.8864% | 4,051 |
| Net loans and leases to total assets | 80.3012% | 513 |
| Net loans and leases to deposits | 91.7532% | 997 |
| Net loans and leases to core deposits | 100.7398% | 1,065 |
| Total domestic deposits to total assets | 87.5188% | 2,403 |
| Equity capital to assets | 11.0044% | 2,754 |
| Core capital (leverage) ratio | 11.2640% | 2,235 |
| Tier 1 risk-based capital ratio | 13.3153% | 4,894 |
| Total risk-based capital ratio | 14.5704% | 4,829 |
| Memoranda: |
| Average total assets | $90,651,500 | 5,019 |
| Average earning assets | $83,977,000 | 4,976 |
| Average equity | $10,592,250 | 4,774 |
| Average total loans | $73,473,250 | 4,181 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8107% | 1,310 |
| Cost of funding earning assets | 0.6823% | 2,208 |
| Net interest margin | 4.1283% | 1,470 |
| Noninterest income to average assets | 0.2408% | 5,726 |
| Noninterest expense to average assets | 2.3947% | 5,070 |
| Loan and lease loss provision to assets | 0.2726% | 1,351 |
| Net operating income to assets | 0.9770% | 2,433 |
| Return on assets (ROA) | 0.9770% | 2,580 |
| Pretax return on assets | 1.3950% | 1,953 |
| Return on Equity (ROE) | 8.1835% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.1835% | 1,408 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9485% | 5,607 |
| Assets per employee ($millions) | 6.6262% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8506% | 2,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 3,768 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 74.3810% | 1,197 |
| Net loans and leases to deposits | 85.4830% | 1,630 |
| Net loans and leases to core deposits | 93.7030% | 1,545 |
| Total domestic deposits to total assets | 87.0126% | 2,813 |
| Equity capital to assets | 11.4890% | 2,305 |
| Core capital (leverage) ratio | 11.6785% | 1,816 |
| Tier 1 risk-based capital ratio | 15.0188% | 3,766 |
| Total risk-based capital ratio | 16.2762% | 3,726 |
| Memoranda: |
| Average total assets | $88,027,330 | 5,111 |
| Average earning assets | $81,485,670 | 5,069 |
| Average equity | $10,509,000 | 4,830 |
| Average total loans | $71,152,000 | 4,269 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9023% | 1,077 |
| Cost of funding earning assets | 0.6982% | 2,226 |
| Net interest margin | 4.2041% | 1,172 |
| Noninterest income to average assets | 0.2288% | 5,830 |
| Noninterest expense to average assets | 2.4750% | 4,845 |
| Loan and lease loss provision to assets | 0.1401% | 2,489 |
| Net operating income to assets | 1.0460% | 2,054 |
| Return on assets (ROA) | 1.0460% | 2,161 |
| Pretax return on assets | 1.4943% | 1,569 |
| Return on Equity (ROE) | 8.5869% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.5869% | 1,524 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2273% | 5,553 |
| Assets per employee ($millions) | 6.2696% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6370% | 3,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 3,826 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 82.9004% | 244 |
| Net loans and leases to deposits | 95.8468% | 554 |
| Net loans and leases to core deposits | 103.8462% | 723 |
| Total domestic deposits to total assets | 86.4926% | 3,237 |
| Equity capital to assets | 12.0001% | 2,043 |
| Core capital (leverage) ratio | 11.7630% | 1,699 |
| Tier 1 risk-based capital ratio | 13.8748% | 4,592 |
| Total risk-based capital ratio | 15.1297% | 4,554 |
| Memoranda: |
| Average total assets | $85,657,500 | 5,212 |
| Average earning assets | $79,065,500 | 5,184 |
| Average equity | $10,434,500 | 4,898 |
| Average total loans | $71,577,000 | 4,288 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7512% | 2,393 |
| Cost of funding earning assets | 0.7775% | 2,848 |
| Net interest margin | 3.9736% | 2,502 |
| Noninterest income to average assets | 0.1547% | 6,264 |
| Noninterest expense to average assets | 2.5011% | 5,087 |
| Loan and lease loss provision to assets | 0.8683% | 532 |
| Net operating income to assets | 0.2940% | 5,491 |
| Return on assets (ROA) | 0.2966% | 5,686 |
| Pretax return on assets | 0.4234% | 5,511 |
| Return on Equity (ROE) | 2.6072% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.6072% | 4,395 |
| Net charge-offs to loans | 0.5913% | 1,959 |
| Credit loss provision to net charge-offs | 195.1567% | 1,337 |
| Earnings coverage of net charge-offs (x) | 2.8946% | 3,981 |
| Efficiency ratio | 66.0087% | 4,505 |
| Assets per employee ($millions) | 5.5694% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7072% | 2,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 3,560 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 81.3936% | 368 |
| Net loans and leases to deposits | 94.5795% | 713 |
| Net loans and leases to core deposits | 102.5488% | 857 |
| Total domestic deposits to total assets | 86.0583% | 3,328 |
| Equity capital to assets | 12.3724% | 1,809 |
| Core capital (leverage) ratio | 12.2385% | 1,434 |
| Tier 1 risk-based capital ratio | 14.1614% | 4,273 |
| Total risk-based capital ratio | 15.4171% | 4,227 |
| Memoranda: |
| Average total assets | $78,885,600 | 5,387 |
| Average earning assets | $72,150,600 | 5,365 |
| Average equity | $8,975,000 | 5,232 |
| Average total loans | $59,355,800 | 4,741 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7133% | 2,757 |
| Cost of funding earning assets | 0.7993% | 2,945 |
| Net interest margin | 3.9139% | 2,862 |
| Noninterest income to average assets | 0.1287% | 6,492 |
| Noninterest expense to average assets | 2.4926% | 5,108 |
| Loan and lease loss provision to assets | 1.0361% | 384 |
| Net operating income to assets | 0.1251% | 6,080 |
| Return on assets (ROA) | 0.1287% | 6,223 |
| Pretax return on assets | 0.1836% | 6,151 |
| Return on Equity (ROE) | 1.1581% | 6,225 |
| Retained earnings to average equity (ytd only) | 1.1581% | 5,711 |
| Net charge-offs to loans | 0.7990% | 1,377 |
| Credit loss provision to net charge-offs | 177.1261% | 1,572 |
| Earnings coverage of net charge-offs (x) | 2.0762% | 4,230 |
| Efficiency ratio | 67.2374% | 4,221 |
| Assets per employee ($millions) | 6.0845% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8026% | 2,789 |
| Loan loss allowance to noncurrent loans | 847.3282% | 501 |
| Noncurrent assets plus other real estate owned to assets | 2.1846% | 2,453 |
| Noncurrent loans to loans | 0.2127% | 6,075 |
| Net loans and leases to total assets | 76.4472% | 902 |
| Net loans and leases to deposits | 88.9132% | 1,256 |
| Net loans and leases to core deposits | 96.3895% | 1,383 |
| Total domestic deposits to total assets | 85.9796% | 3,273 |
| Equity capital to assets | 12.2897% | 2,049 |
| Core capital (leverage) ratio | 11.4240% | 2,040 |
| Tier 1 risk-based capital ratio | 14.3867% | 4,274 |
| Total risk-based capital ratio | 15.6425% | 4,239 |
| Memoranda: |
| Average total assets | $77,721,750 | 5,467 |
| Average earning assets | $71,060,250 | 5,456 |
| Average equity | $8,634,750 | 5,369 |
| Average total loans | $56,900,250 | 4,893 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7159% | 2,855 |
| Cost of funding earning assets | 0.8171% | 3,061 |
| Net interest margin | 3.8988% | 2,910 |
| Noninterest income to average assets | 0.1010% | 6,672 |
| Noninterest expense to average assets | 2.4928% | 5,161 |
| Loan and lease loss provision to assets | 1.3538% | 287 |
| Net operating income to assets | -0.1246% | 6,464 |
| Return on assets (ROA) | -0.1191% | 6,552 |
| Pretax return on assets | -0.1683% | 6,570 |
| Return on Equity (ROE) | -1.1121% | 6,552 |
| Retained earnings to average equity (ytd only) | -1.1121% | 6,226 |
| Net charge-offs to loans | 0.4048% | 2,408 |
| Credit loss provision to net charge-offs | 466.9643% | 644 |
| Earnings coverage of net charge-offs (x) | 4.0625% | 3,186 |
| Efficiency ratio | 67.9126% | 4,137 |
| Assets per employee ($millions) | 6.2518% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2005% | 1,767 |
| Loan loss allowance to noncurrent loans | 92.5000% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 2.3403% | 2,386 |
| Noncurrent loans to loans | 2.3789% | 2,525 |
| Net loans and leases to total assets | 68.7953% | 2,138 |
| Net loans and leases to deposits | 79.4735% | 2,457 |
| Net loans and leases to core deposits | 86.5511% | 2,356 |
| Total domestic deposits to total assets | 86.5638% | 3,035 |
| Equity capital to assets | 11.7739% | 2,344 |
| Core capital (leverage) ratio | 11.2815% | 2,060 |
| Tier 1 risk-based capital ratio | 15.3157% | 3,566 |
| Total risk-based capital ratio | 16.5778% | 3,518 |
| Memoranda: |
| Average total assets | $77,262,670 | 5,515 |
| Average earning assets | $70,739,000 | 5,502 |
| Average equity | $8,272,670 | 5,489 |
| Average total loans | $55,340,670 | 4,974 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7179% | 2,982 |
| Cost of funding earning assets | 0.8425% | 3,126 |
| Net interest margin | 3.8754% | 3,028 |
| Noninterest income to average assets | 0.0691% | 6,861 |
| Noninterest expense to average assets | 2.5459% | 5,002 |
| Loan and lease loss provision to assets | 0.6963% | 751 |
| Net operating income to assets | 0.2599% | 5,781 |
| Return on assets (ROA) | 0.2711% | 5,906 |
| Pretax return on assets | 0.3880% | 5,754 |
| Return on Equity (ROE) | 2.6756% | 5,838 |
| Retained earnings to average equity (ytd only) | 2.6756% | 4,921 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4412% | 3,730 |
| Assets per employee ($millions) | 5.9277% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6557% | 3,519 |
| Loan loss allowance to noncurrent loans | 117.1257% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 4,325 |
| Noncurrent loans to loans | 1.4136% | 3,986 |
| Net loans and leases to total assets | 75.3815% | 875 |
| Net loans and leases to deposits | 85.2920% | 1,501 |
| Net loans and leases to core deposits | 90.2536% | 1,827 |
| Total domestic deposits to total assets | 88.3805% | 2,082 |
| Equity capital to assets | 9.9299% | 4,221 |
| Core capital (leverage) ratio | 9.6835% | 3,791 |
| Tier 1 risk-based capital ratio | 12.0054% | 5,962 |
| Total risk-based capital ratio | 13.2189% | 5,978 |
| Memoranda: |
| Average total assets | $75,257,500 | 5,609 |
| Average earning assets | $68,844,500 | 5,605 |
| Average equity | $7,624,500 | 5,704 |
| Average total loans | $54,426,000 | 5,047 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6109% | 4,636 |
| Cost of funding earning assets | 1.1968% | 2,047 |
| Net interest margin | 3.4141% | 5,442 |
| Noninterest income to average assets | 0.0640% | 6,775 |
| Noninterest expense to average assets | 2.4456% | 5,646 |
| Loan and lease loss provision to assets | 0.4243% | 2,468 |
| Net operating income to assets | 0.3144% | 5,203 |
| Return on assets (ROA) | 0.3144% | 5,357 |
| Pretax return on assets | 0.3214% | 5,502 |
| Return on Equity (ROE) | 3.1099% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.1099% | 4,017 |
| Net charge-offs to loans | 0.3037% | 3,879 |
| Credit loss provision to net charge-offs | 211.8056% | 1,163 |
| Earnings coverage of net charge-offs (x) | 3.7222% | 3,411 |
| Efficiency ratio | 76.6347% | 2,807 |
| Assets per employee ($millions) | 6.1213% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7013% | 3,196 |
| Loan loss allowance to noncurrent loans | 100.8333% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 4,330 |
| Noncurrent loans to loans | 1.6873% | 3,630 |
| Net loans and leases to total assets | 66.6231% | 2,658 |
| Net loans and leases to deposits | 74.4089% | 3,436 |
| Net loans and leases to core deposits | 78.2745% | 3,647 |
| Total domestic deposits to total assets | 89.5365% | 1,245 |
| Equity capital to assets | 10.3424% | 3,723 |
| Core capital (leverage) ratio | 9.8068% | 3,593 |
| Tier 1 risk-based capital ratio | 13.6592% | 4,578 |
| Total risk-based capital ratio | 14.9122% | 4,542 |
| Memoranda: |
| Average total assets | $71,883,200 | 5,697 |
| Average earning assets | $65,844,400 | 5,669 |
| Average equity | $7,267,000 | 5,790 |
| Average total loans | $47,414,200 | 5,366 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6115% | 4,822 |
| Cost of funding earning assets | 1.2584% | 1,948 |
| Net interest margin | 3.3531% | 5,708 |
| Noninterest income to average assets | 0.0765% | 6,858 |
| Noninterest expense to average assets | 2.7882% | 4,386 |
| Loan and lease loss provision to assets | 0.3450% | 2,810 |
| Net operating income to assets | 0.0168% | 6,130 |
| Return on assets (ROA) | 0.0168% | 6,231 |
| Pretax return on assets | 0.0242% | 6,204 |
| Return on Equity (ROE) | 0.1670% | 6,226 |
| Retained earnings to average equity (ytd only) | 0.1670% | 5,906 |
| Net charge-offs to loans | 0.4129% | 3,079 |
| Credit loss provision to net charge-offs | 127.5862% | 2,505 |
| Earnings coverage of net charge-offs (x) | 1.3655% | 4,596 |
| Efficiency ratio | 88.3048% | 1,317 |
| Assets per employee ($millions) | 5.2734% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4951% | 4,124 |
| Loan loss allowance to noncurrent loans | 484.0000% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 6,338 |
| Noncurrent loans to loans | 0.3089% | 6,230 |
| Net loans and leases to total assets | 64.7907% | 3,148 |
| Net loans and leases to deposits | 71.9878% | 3,993 |
| Net loans and leases to core deposits | 75.3798% | 4,266 |
| Total domestic deposits to total assets | 90.0023% | 863 |
| Equity capital to assets | 9.8297% | 4,584 |
| Core capital (leverage) ratio | 9.0820% | 4,806 |
| Tier 1 risk-based capital ratio | 13.0516% | 5,060 |
| Total risk-based capital ratio | 14.3037% | 5,027 |
| Memoranda: |
| Average total assets | $71,490,250 | 5,743 |
| Average earning assets | $65,689,250 | 5,726 |
| Average equity | $7,184,500 | 5,847 |
| Average total loans | $46,821,500 | 5,434 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5645% | 5,118 |
| Cost of funding earning assets | 1.3024% | 1,929 |
| Net interest margin | 3.2621% | 5,964 |
| Noninterest income to average assets | 0.0764% | 6,940 |
| Noninterest expense to average assets | 2.8086% | 4,397 |
| Loan and lease loss provision to assets | 0.4525% | 2,153 |
| Net operating income to assets | -0.1358% | 6,400 |
| Return on assets (ROA) | -0.1358% | 6,441 |
| Pretax return on assets | -0.1952% | 6,448 |
| Return on Equity (ROE) | -1.3407% | 6,447 |
| Retained earnings to average equity (ytd only) | -1.3407% | 6,124 |
| Net charge-offs to loans | 0.5406% | 2,473 |
| Credit loss provision to net charge-offs | 128.0000% | 2,389 |
| Earnings coverage of net charge-offs (x) | 0.7280% | 4,747 |
| Efficiency ratio | 91.6052% | 1,122 |
| Assets per employee ($millions) | 4.6304% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5002% | 4,131 |
| Loan loss allowance to noncurrent loans | 468.1818% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 6,402 |
| Noncurrent loans to loans | 0.3204% | 6,270 |
| Net loans and leases to total assets | 63.8987% | 3,485 |
| Net loans and leases to deposits | 70.9128% | 4,304 |
| Net loans and leases to core deposits | 74.2251% | 4,552 |
| Total domestic deposits to total assets | 90.1088% | 918 |
| Equity capital to assets | 9.6793% | 4,567 |
| Core capital (leverage) ratio | 9.1568% | 4,481 |
| Tier 1 risk-based capital ratio | 12.4409% | 5,403 |
| Total risk-based capital ratio | 13.6924% | 5,384 |
| Memoranda: |
| Average total assets | $70,711,330 | 5,806 |
| Average earning assets | $64,805,000 | 5,791 |
| Average equity | $7,160,330 | 5,879 |
| Average total loans | $46,242,330 | 5,512 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5243% | 5,255 |
| Cost of funding earning assets | 1.3314% | 2,002 |
| Net interest margin | 3.1929% | 6,089 |
| Noninterest income to average assets | 0.0753% | 7,012 |
| Noninterest expense to average assets | 2.6831% | 4,902 |
| Loan and lease loss provision to assets | 0.0580% | 5,276 |
| Net operating income to assets | 0.1854% | 5,833 |
| Return on assets (ROA) | 0.1854% | 5,892 |
| Pretax return on assets | 0.2666% | 5,759 |
| Return on Equity (ROE) | 1.7890% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.7890% | 5,046 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2100% | 1,398 |
| Assets per employee ($millions) | 5.1249% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5375% | 4,018 |
| Loan loss allowance to noncurrent loans | 443.3121% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 6,622 |
| Noncurrent loans to loans | 0.3468% | 6,297 |
| Net loans and leases to total assets | 62.1230% | 3,828 |
| Net loans and leases to deposits | 69.1553% | 4,505 |
| Net loans and leases to core deposits | 72.5007% | 4,724 |
| Total domestic deposits to total assets | 89.8311% | 1,253 |
| Equity capital to assets | 10.0017% | 3,770 |
| Core capital (leverage) ratio | 9.4209% | 3,924 |
| Tier 1 risk-based capital ratio | 13.2691% | 4,604 |
| Total risk-based capital ratio | 14.5219% | 4,577 |
| Memoranda: |
| Average total assets | $69,024,000 | 5,893 |
| Average earning assets | $63,391,500 | 5,883 |
| Average equity | $7,155,000 | 5,882 |
| Average total loans | $45,333,000 | 5,595 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7249% | 5,712 |
| Cost of funding earning assets | 1.6510% | 1,827 |
| Net interest margin | 3.0739% | 6,586 |
| Noninterest income to average assets | 0.0772% | 7,001 |
| Noninterest expense to average assets | 2.5528% | 5,606 |
| Loan and lease loss provision to assets | 0.1817% | 5,403 |
| Net operating income to assets | 0.0965% | 5,598 |
| Return on assets (ROA) | 0.0965% | 5,738 |
| Pretax return on assets | 0.1382% | 5,624 |
| Return on Equity (ROE) | 0.8434% | 5,740 |
| Retained earnings to average equity (ytd only) | 0.8434% | 5,125 |
| Net charge-offs to loans | 0.0049% | 6,795 |
| Credit loss provision to net charge-offs | 5,650.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 247 |
| Efficiency ratio | 88.8640% | 1,408 |
| Assets per employee ($millions) | 5.5250% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5111% | 3,949 |
| Loan loss allowance to noncurrent loans | 423.4568% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 6,626 |
| Noncurrent loans to loans | 0.3568% | 6,345 |
| Net loans and leases to total assets | 67.4389% | 3,117 |
| Net loans and leases to deposits | 75.7343% | 3,882 |
| Net loans and leases to core deposits | 79.7332% | 4,249 |
| Total domestic deposits to total assets | 89.0468% | 1,630 |
| Equity capital to assets | 10.7602% | 2,895 |
| Core capital (leverage) ratio | 9.7885% | 3,331 |
| Tier 1 risk-based capital ratio | 13.3830% | 4,303 |
| Total risk-based capital ratio | 14.6357% | 4,258 |
| Memoranda: |
| Average total assets | $62,206,200 | 6,119 |
| Average earning assets | $56,573,200 | 6,118 |
| Average equity | $7,114,200 | 5,994 |
| Average total loans | $40,509,800 | 5,902 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6979% | 6,028 |
| Cost of funding earning assets | 1.6867% | 1,941 |
| Net interest margin | 3.0112% | 6,807 |
| Noninterest income to average assets | 0.0741% | 7,165 |
| Noninterest expense to average assets | 2.5780% | 5,407 |
| Loan and lease loss provision to assets | 0.2223% | 4,834 |
| Net operating income to assets | 0.0065% | 5,991 |
| Return on assets (ROA) | 0.0065% | 6,114 |
| Pretax return on assets | 0.0087% | 6,073 |
| Return on Equity (ROE) | 0.0563% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.0563% | 5,759 |
| Net charge-offs to loans | 0.0068% | 6,573 |
| Credit loss provision to net charge-offs | 5,100.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 52.9326% | 546 |
| Efficiency ratio | 91.7766% | 1,145 |
| Assets per employee ($millions) | 5.5429% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5164% | 3,888 |
| Loan loss allowance to noncurrent loans | 399.4083% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 6,731 |
| Noncurrent loans to loans | 0.3797% | 6,433 |
| Net loans and leases to total assets | 65.9054% | 3,713 |
| Net loans and leases to deposits | 73.9428% | 4,521 |
| Net loans and leases to core deposits | 79.7689% | 4,552 |
| Total domestic deposits to total assets | 89.1303% | 1,323 |
| Equity capital to assets | 10.6623% | 3,337 |
| Core capital (leverage) ratio | 10.0181% | 3,237 |
| Tier 1 risk-based capital ratio | 13.4270% | 4,244 |
| Total risk-based capital ratio | 14.6790% | 4,204 |
| Memoranda: |
| Average total assets | $61,182,750 | 6,224 |
| Average earning assets | $55,569,250 | 6,212 |
| Average equity | $7,109,250 | 6,074 |
| Average total loans | $39,287,750 | 6,033 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6477% | 6,321 |
| Cost of funding earning assets | 1.7141% | 2,048 |
| Net interest margin | 2.9336% | 6,965 |
| Noninterest income to average assets | 0.0741% | 7,218 |
| Noninterest expense to average assets | 2.5654% | 5,472 |
| Loan and lease loss provision to assets | 0.1414% | 5,478 |
| Net operating income to assets | 0.0168% | 6,058 |
| Return on assets (ROA) | 0.0168% | 6,161 |
| Pretax return on assets | 0.0236% | 6,117 |
| Return on Equity (ROE) | 0.1405% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.1405% | 5,689 |
| Net charge-offs to loans | 0.0107% | 6,201 |
| Credit loss provision to net charge-offs | 2,100.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,064 |
| Efficiency ratio | 93.9581% | 1,068 |
| Assets per employee ($millions) | 5.7688% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5239% | 3,799 |
| Loan loss allowance to noncurrent loans | 355.4913% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 6,727 |
| Noncurrent loans to loans | 0.4287% | 6,384 |
| Net loans and leases to total assets | 62.6267% | 4,551 |
| Net loans and leases to deposits | 70.7223% | 5,172 |
| Net loans and leases to core deposits | 75.8706% | 5,210 |
| Total domestic deposits to total assets | 88.5529% | 1,699 |
| Equity capital to assets | 11.2486% | 2,639 |
| Core capital (leverage) ratio | 10.6355% | 2,509 |
| Tier 1 risk-based capital ratio | 14.1668% | 3,618 |
| Total risk-based capital ratio | 15.4182% | 3,580 |
| Memoranda: |
| Average total assets | $59,405,330 | 6,331 |
| Average earning assets | $53,790,000 | 6,330 |
| Average equity | $7,115,000 | 6,105 |
| Average total loans | $37,546,330 | 6,161 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8532% | 5,673 |
| Cost of funding earning assets | 1.7901% | 1,917 |
| Net interest margin | 3.0632% | 6,687 |
| Noninterest income to average assets | 0.0697% | 7,363 |
| Noninterest expense to average assets | 2.5863% | 5,408 |
| Loan and lease loss provision to assets | 0.0837% | 5,801 |
| Net operating income to assets | 0.1185% | 5,975 |
| Return on assets (ROA) | 0.1185% | 6,087 |
| Pretax return on assets | 0.1673% | 5,975 |
| Return on Equity (ROE) | 0.9573% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.9573% | 5,432 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1548% | 1,340 |
| Assets per employee ($millions) | 5.9738% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6147% | 3,379 |
| Loan loss allowance to noncurrent loans | 326.1111% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 6,725 |
| Noncurrent loans to loans | 0.4951% | 6,305 |
| Net loans and leases to total assets | 59.8714% | 5,138 |
| Net loans and leases to deposits | 68.1426% | 5,569 |
| Net loans and leases to core deposits | 73.5094% | 5,547 |
| Total domestic deposits to total assets | 87.8620% | 2,137 |
| Equity capital to assets | 11.9170% | 2,091 |
| Core capital (leverage) ratio | 11.1691% | 2,118 |
| Tier 1 risk-based capital ratio | 15.6431% | 2,809 |
| Total risk-based capital ratio | 16.9013% | 2,754 |
| Memoranda: |
| Average total assets | $57,379,500 | 6,491 |
| Average earning assets | $51,842,000 | 6,482 |
| Average equity | $7,103,500 | 6,159 |
| Average total loans | $36,141,500 | 6,307 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9085% | 6,690 |
| Cost of funding earning assets | 2.0910% | 2,509 |
| Net interest margin | 2.8175% | 7,033 |
| Noninterest income to average assets | 0.0513% | 7,498 |
| Noninterest expense to average assets | 2.9556% | 4,326 |
| Loan and lease loss provision to assets | 0.6650% | 3,149 |
| Net operating income to assets | -0.7163% | 6,382 |
| Return on assets (ROA) | -0.7163% | 6,375 |
| Pretax return on assets | -1.0221% | 6,419 |
| Return on Equity (ROE) | -4.8679% | 6,197 |
| Retained earnings to average equity (ytd only) | -4.8679% | 6,004 |
| Net charge-offs to loans | 0.0906% | 6,223 |
| Credit loss provision to net charge-offs | 1,296.0000% | 232 |
| Earnings coverage of net charge-offs (x) | -6.9600% | 7,136 |
| Efficiency ratio | 113.7441% | 716 |
| Assets per employee ($millions) | 5.5021% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6003% | 3,279 |
| Loan loss allowance to noncurrent loans | 314.2077% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 6,612 |
| Noncurrent loans to loans | 0.5093% | 6,232 |
| Net loans and leases to total assets | 64.2573% | 4,542 |
| Net loans and leases to deposits | 74.7258% | 4,919 |
| Net loans and leases to core deposits | 100.6720% | 3,932 |
| Total domestic deposits to total assets | 85.9908% | 3,024 |
| Equity capital to assets | 12.8824% | 1,557 |
| Core capital (leverage) ratio | 11.6966% | 1,815 |
| Tier 1 risk-based capital ratio | 14.9856% | 2,945 |
| Total risk-based capital ratio | 16.2365% | 2,895 |
| Memoranda: |
| Average total assets | $48,721,000 | 6,759 |
| Average earning assets | $44,046,400 | 6,765 |
| Average equity | $7,169,400 | 6,214 |
| Average total loans | $27,596,800 | 6,765 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8228% | 7,070 |
| Cost of funding earning assets | 2.1240% | 2,781 |
| Net interest margin | 2.6988% | 7,205 |
| Noninterest income to average assets | 0.0509% | 7,646 |
| Noninterest expense to average assets | 3.0005% | 4,042 |
| Loan and lease loss provision to assets | 0.8230% | 2,317 |
| Net operating income to assets | -0.9304% | 6,785 |
| Return on assets (ROA) | -0.9304% | 6,788 |
| Pretax return on assets | -1.3292% | 6,875 |
| Return on Equity (ROE) | -6.1012% | 6,567 |
| Retained earnings to average equity (ytd only) | -6.1012% | 6,399 |
| Net charge-offs to loans | 0.1306% | 5,389 |
| Credit loss provision to net charge-offs | 1,164.0000% | 326 |
| Earnings coverage of net charge-offs (x) | -7.1605% | 6,879 |
| Efficiency ratio | 120.2948% | 584 |
| Assets per employee ($millions) | 5.5380% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6888% | 2,674 |
| Loan loss allowance to noncurrent loans | 265.6863% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 6,559 |
| Noncurrent loans to loans | 0.6357% | 6,025 |
| Net loans and leases to total assets | 56.9718% | 6,034 |
| Net loans and leases to deposits | 68.4062% | 6,097 |
| Net loans and leases to core deposits | 94.0838% | 5,004 |
| Total domestic deposits to total assets | 83.2846% | 4,072 |
| Equity capital to assets | 12.8458% | 1,761 |
| Core capital (leverage) ratio | 12.4534% | 1,600 |
| Tier 1 risk-based capital ratio | 17.0213% | 2,271 |
| Total risk-based capital ratio | 18.2737% | 2,218 |
| Memoranda: |
| Average total assets | $47,146,000 | 6,867 |
| Average earning assets | $42,685,250 | 6,884 |
| Average equity | $7,189,750 | 6,262 |
| Average total loans | $25,513,500 | 6,938 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8628% | 7,111 |
| Cost of funding earning assets | 2.1778% | 2,900 |
| Net interest margin | 2.6850% | 7,236 |
| Noninterest income to average assets | 0.0495% | 7,739 |
| Noninterest expense to average assets | 3.0990% | 3,708 |
| Loan and lease loss provision to assets | 0.8829% | 1,909 |
| Net operating income to assets | -1.0495% | 7,022 |
| Return on assets (ROA) | -1.0495% | 7,018 |
| Pretax return on assets | -1.5000% | 7,090 |
| Return on Equity (ROE) | -6.4588% | 6,754 |
| Retained earnings to average equity (ytd only) | -6.4588% | 6,506 |
| Net charge-offs to loans | 0.2144% | 4,167 |
| Credit loss provision to net charge-offs | 784.0000% | 598 |
| Earnings coverage of net charge-offs (x) | -5.4800% | 6,465 |
| Efficiency ratio | 124.8639% | 588 |
| Assets per employee ($millions) | 4.9460% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6122% | 2,685 |
| Loan loss allowance to noncurrent loans | 213.8756% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 6,409 |
| Noncurrent loans to loans | 0.7538% | 5,729 |
| Net loans and leases to total assets | 55.1537% | 6,324 |
| Net loans and leases to deposits | 67.8886% | 6,206 |
| Net loans and leases to core deposits | 94.0785% | 5,111 |
| Total domestic deposits to total assets | 81.2414% | 4,978 |
| Equity capital to assets | 14.4420% | 1,180 |
| Core capital (leverage) ratio | 13.3827% | 1,307 |
| Tier 1 risk-based capital ratio | 18.4189% | 1,892 |
| Total risk-based capital ratio | 19.6819% | 1,843 |
| Memoranda: |
| Average total assets | $44,401,330 | 7,042 |
| Average earning assets | $40,224,000 | 7,046 |
| Average equity | $7,215,000 | 6,297 |
| Average total loans | $23,320,330 | 7,127 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7500% | 7,436 |
| Cost of funding earning assets | 2.0821% | 3,730 |
| Net interest margin | 2.6680% | 7,270 |
| Noninterest income to average assets | 0.0478% | 7,847 |
| Noninterest expense to average assets | 2.7035% | 4,989 |
| Loan and lease loss provision to assets | 0.7547% | 1,708 |
| Net operating income to assets | -0.6783% | 7,033 |
| Return on assets (ROA) | -0.6783% | 7,070 |
| Pretax return on assets | -0.9744% | 7,146 |
| Return on Equity (ROE) | -3.9167% | 6,885 |
| Retained earnings to average equity (ytd only) | -3.9167% | 6,417 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8462% | 838 |
| Assets per employee ($millions) | 5.7528% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6276% | 2,413 |
| Loan loss allowance to noncurrent loans | 151.0638% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 5,937 |
| Noncurrent loans to loans | 1.0774% | 4,826 |
| Net loans and leases to total assets | 46.6212% | 7,144 |
| Net loans and leases to deposits | 58.5110% | 7,002 |
| Net loans and leases to core deposits | 82.9923% | 6,147 |
| Total domestic deposits to total assets | 79.6793% | 5,477 |
| Equity capital to assets | 15.7685% | 916 |
| Core capital (leverage) ratio | 16.4707% | 719 |
| Tier 1 risk-based capital ratio | 22.9159% | 1,205 |
| Total risk-based capital ratio | 24.1283% | 1,177 |
| Memoranda: |
| Average total assets | $41,872,000 | 7,171 |
| Average earning assets | $38,231,500 | 7,158 |
| Average equity | $7,251,000 | 6,317 |
| Average total loans | $21,117,500 | 7,303 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1202% | 7,753 |
| Cost of funding earning assets | 2.5169% | 4,105 |
| Net interest margin | 2.6033% | 7,643 |
| Noninterest income to average assets | 0.0871% | 7,700 |
| Noninterest expense to average assets | 3.6002% | 2,143 |
| Loan and lease loss provision to assets | 0.6731% | 2,163 |
| Net operating income to assets | -1.2358% | 7,361 |
| Return on assets (ROA) | -1.2358% | 7,300 |
| Pretax return on assets | -1.7649% | 7,361 |
| Return on Equity (ROE) | -5.0117% | 6,869 |
| Retained earnings to average equity (ytd only) | -5.0117% | 6,516 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.5247% | 382 |
| Assets per employee ($millions) | 4.7153% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3514% | 3,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.4118% | 6,716 |
| Net loans and leases to deposits | 71.2674% | 6,136 |
| Net loans and leases to core deposits | 102.1238% | 4,594 |
| Total domestic deposits to total assets | 74.9457% | 6,464 |
| Equity capital to assets | 19.2063% | 527 |
| Core capital (leverage) ratio | 19.4703% | 472 |
| Tier 1 risk-based capital ratio | 25.9337% | 909 |
| Total risk-based capital ratio | 26.9921% | 899 |
| Memoranda: |
| Average total assets | $29,859,800 | 7,655 |
| Average earning assets | $27,772,600 | 7,630 |
| Average equity | $7,362,800 | 6,327 |
| Average total loans | $11,622,200 | 7,853 |
