| 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 | 4.1097% | 1,287 |
| Cost of funding earning assets | 0.5739% | 726 |
| Net interest margin | 3.5358% | 1,769 |
| Noninterest income to average assets | 0.3694% | 3,252 |
| Noninterest expense to average assets | 2.5009% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9281% | 3,156 |
| Return on assets (ROA) | 0.9822% | 3,059 |
| Pretax return on assets | 1.2357% | 2,817 |
| Return on Equity (ROE) | 7.0419% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.0433% | 2,797 |
| Net charge-offs to loans | -0.0034% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1804% | 1,796 |
| Assets per employee ($millions) | 7.2665% | 1,703 |
| Cash dividends to net income (ytd only)* | 14.1804% | 2,812 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6176% | 1,294 |
| Loan loss allowance to noncurrent loans | 10,570.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,137 |
| Noncurrent loans to loans | 0.0153% | 4,090 |
| Net loans and leases to total assets | 82.9418% | 143 |
| Net loans and leases to deposits | 106.2577% | 132 |
| Net loans and leases to core deposits | 110.2718% | 320 |
| Total domestic deposits to total assets | 78.0572% | 4,421 |
| Equity capital to assets | 14.5893% | 621 |
| Core capital (leverage) ratio | 13.9412% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1682% | 1,102 |
| Memoranda: |
| Average total assets | $239,316,500 | 2,819 |
| Average earning assets | $223,271,250 | 2,818 |
| Average equity | $33,380,250 | 2,393 |
| Average total loans | $198,046,000 | 2,281 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1582% | 1,250 |
| Cost of funding earning assets | 0.6234% | 658 |
| Net interest margin | 3.5348% | 1,756 |
| Noninterest income to average assets | 0.4032% | 3,097 |
| Noninterest expense to average assets | 2.4406% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9718% | 2,994 |
| Return on assets (ROA) | 1.0522% | 2,789 |
| Pretax return on assets | 1.3644% | 2,426 |
| Return on Equity (ROE) | 7.6569% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.6569% | 2,209 |
| Net charge-offs to loans | -0.0040% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9066% | 2,171 |
| Assets per employee ($millions) | 6.7913% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5929% | 1,290 |
| Loan loss allowance to noncurrent loans | 9,906.2500% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,204 |
| Noncurrent loans to loans | 0.0161% | 4,146 |
| Net loans and leases to total assets | 82.3926% | 203 |
| Net loans and leases to deposits | 106.5893% | 153 |
| Net loans and leases to core deposits | 112.2965% | 313 |
| Total domestic deposits to total assets | 77.2992% | 4,492 |
| Equity capital to assets | 14.1774% | 681 |
| Core capital (leverage) ratio | 13.5079% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0751% | 946 |
| Memoranda: |
| Average total assets | $241,579,667 | 2,799 |
| Average earning assets | $225,530,333 | 2,790 |
| Average equity | $33,199,000 | 2,394 |
| Average total loans | $198,717,000 | 2,284 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3942% | 922 |
| Cost of funding earning assets | 0.6825% | 583 |
| Net interest margin | 3.7117% | 1,307 |
| Noninterest income to average assets | 0.4829% | 2,686 |
| Noninterest expense to average assets | 2.5131% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0970% | 2,489 |
| Return on assets (ROA) | 1.2566% | 2,033 |
| Pretax return on assets | 1.6376% | 1,627 |
| Return on Equity (ROE) | 9.2871% | 2,929 |
| Retained earnings to average equity (ytd only) | 9.2871% | 1,864 |
| Net charge-offs to loans | -0.0040% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6439% | 2,512 |
| Assets per employee ($millions) | 6.6989% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5983% | 1,304 |
| Loan loss allowance to noncurrent loans | 9,600.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,280 |
| Noncurrent loans to loans | 0.0166% | 4,212 |
| Net loans and leases to total assets | 80.8787% | 290 |
| Net loans and leases to deposits | 105.8761% | 174 |
| Net loans and leases to core deposits | 111.8498% | 362 |
| Total domestic deposits to total assets | 76.3899% | 4,562 |
| Equity capital to assets | 13.7817% | 721 |
| Core capital (leverage) ratio | 13.1878% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5581% | 841 |
| Memoranda: |
| Average total assets | $243,521,500 | 2,770 |
| Average earning assets | $227,391,500 | 2,767 |
| Average equity | $32,949,000 | 2,399 |
| Average total loans | $198,568,500 | 2,294 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2446% | 2,011 |
| Cost of funding earning assets | 1.1185% | 371 |
| Net interest margin | 3.1261% | 3,566 |
| Noninterest income to average assets | 0.4321% | 2,948 |
| Noninterest expense to average assets | 2.0367% | 4,071 |
| Loan and lease loss provision to assets | 0.2417% | 1,611 |
| Net operating income to assets | 0.8279% | 2,987 |
| Return on assets (ROA) | 0.8561% | 3,014 |
| Pretax return on assets | 1.1134% | 2,640 |
| Return on Equity (ROE) | 6.9968% | 3,208 |
| Retained earnings to average equity (ytd only) | 6.4410% | 1,612 |
| Net charge-offs to loans | -0.0019% | 3,981 |
| Credit loss provision to net charge-offs | -15,550.0000% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6878% | 3,359 |
| Assets per employee ($millions) | 6.8301% | 1,693 |
| Cash dividends to net income (ytd only)* | 7.9437% | 3,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5916% | 1,320 |
| Loan loss allowance to noncurrent loans | 9,045.7143% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,343 |
| Noncurrent loans to loans | 0.0176% | 4,282 |
| Net loans and leases to total assets | 79.6135% | 451 |
| Net loans and leases to deposits | 105.7815% | 231 |
| Net loans and leases to core deposits | 113.2762% | 428 |
| Total domestic deposits to total assets | 75.2622% | 4,557 |
| Equity capital to assets | 13.2836% | 1,006 |
| Core capital (leverage) ratio | 12.4405% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5492% | 969 |
| Memoranda: |
| Average total assets | $257,331,400 | 2,529 |
| Average earning assets | $240,681,200 | 2,524 |
| Average equity | $31,485,800 | 2,408 |
| Average total loans | $208,602,200 | 2,170 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3393% | 1,994 |
| Cost of funding earning assets | 1.2040% | 367 |
| Net interest margin | 3.1353% | 3,655 |
| Noninterest income to average assets | 0.3587% | 3,315 |
| Noninterest expense to average assets | 2.0943% | 3,960 |
| Loan and lease loss provision to assets | 0.3186% | 1,246 |
| Net operating income to assets | 0.6781% | 3,527 |
| Return on assets (ROA) | 0.7153% | 3,510 |
| Pretax return on assets | 0.9260% | 3,309 |
| Return on Equity (ROE) | 5.9672% | 3,567 |
| Retained earnings to average equity (ytd only) | 5.6467% | 2,263 |
| Net charge-offs to loans | -0.0019% | 3,876 |
| Credit loss provision to net charge-offs | -20,733.3333% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6208% | 2,797 |
| Assets per employee ($millions) | 7.1110% | 1,425 |
| Cash dividends to net income (ytd only)* | 5.3725% | 3,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5460% | 1,249 |
| Loan loss allowance to noncurrent loans | 8,791.6667% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,419 |
| Noncurrent loans to loans | 0.0176% | 4,355 |
| Net loans and leases to total assets | 80.9867% | 522 |
| Net loans and leases to deposits | 105.3401% | 344 |
| Net loans and leases to core deposits | 115.6487% | 511 |
| Total domestic deposits to total assets | 76.8812% | 4,336 |
| Equity capital to assets | 12.8293% | 1,257 |
| Core capital (leverage) ratio | 12.1499% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5018% | 1,131 |
| Memoranda: |
| Average total assets | $260,193,500 | 2,502 |
| Average earning assets | $243,411,750 | 2,492 |
| Average equity | $31,191,750 | 2,413 |
| Average total loans | $211,022,250 | 2,158 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5572% | 1,767 |
| Cost of funding earning assets | 1.2979% | 362 |
| Net interest margin | 3.2593% | 3,491 |
| Noninterest income to average assets | 0.3106% | 3,601 |
| Noninterest expense to average assets | 2.1086% | 4,012 |
| Loan and lease loss provision to assets | 0.3948% | 1,029 |
| Net operating income to assets | 0.6617% | 3,544 |
| Return on assets (ROA) | 0.7168% | 3,446 |
| Pretax return on assets | 0.9289% | 3,235 |
| Return on Equity (ROE) | 6.1139% | 3,465 |
| Retained earnings to average equity (ytd only) | 5.6292% | 2,222 |
| Net charge-offs to loans | -0.0009% | 3,746 |
| Credit loss provision to net charge-offs | -52,100.0000% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7084% | 3,007 |
| Assets per employee ($millions) | 7.1976% | 1,334 |
| Cash dividends to net income (ytd only)* | 7.9281% | 3,076 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4770% | 1,340 |
| Loan loss allowance to noncurrent loans | 8,057.8947% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,493 |
| Noncurrent loans to loans | 0.0183% | 4,426 |
| Net loans and leases to total assets | 78.8244% | 745 |
| Net loans and leases to deposits | 101.4706% | 466 |
| Net loans and leases to core deposits | 116.3948% | 522 |
| Total domestic deposits to total assets | 77.6820% | 4,231 |
| Equity capital to assets | 12.1421% | 1,573 |
| Core capital (leverage) ratio | 11.5297% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9795% | 1,248 |
| Memoranda: |
| Average total assets | $263,963,333 | 2,451 |
| Average earning assets | $247,168,000 | 2,439 |
| Average equity | $30,945,667 | 2,413 |
| Average total loans | $213,120,333 | 2,136 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4232% | 2,529 |
| Cost of funding earning assets | 1.3937% | 407 |
| Net interest margin | 3.0295% | 4,230 |
| Noninterest income to average assets | 0.2538% | 4,028 |
| Noninterest expense to average assets | 2.0857% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7733% | 3,010 |
| Return on assets (ROA) | 0.7733% | 3,085 |
| Pretax return on assets | 1.0045% | 2,831 |
| Return on Equity (ROE) | 6.7128% | 3,062 |
| Retained earnings to average equity (ytd only) | 5.7352% | 1,982 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4927% | 2,747 |
| Assets per employee ($millions) | 7.2274% | 989 |
| Cash dividends to net income (ytd only)* | 14.5631% | 2,430 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1839% | 2,751 |
| Loan loss allowance to noncurrent loans | 2,919.5402% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,453 |
| Noncurrent loans to loans | 0.0406% | 4,396 |
| Net loans and leases to total assets | 81.4799% | 508 |
| Net loans and leases to deposits | 105.2919% | 318 |
| Net loans and leases to core deposits | 123.9592% | 367 |
| Total domestic deposits to total assets | 77.3847% | 4,311 |
| Equity capital to assets | 11.9372% | 2,119 |
| Core capital (leverage) ratio | 11.2847% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5670% | 1,732 |
| Memoranda: |
| Average total assets | $266,388,000 | 2,387 |
| Average earning assets | $249,413,500 | 2,373 |
| Average equity | $30,687,500 | 2,420 |
| Average total loans | $216,027,000 | 2,074 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4630% | 3,077 |
| Cost of funding earning assets | 1.5642% | 333 |
| Net interest margin | 2.8988% | 4,659 |
| Noninterest income to average assets | 0.2564% | 4,148 |
| Noninterest expense to average assets | 1.9529% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7798% | 3,615 |
| Return on assets (ROA) | 0.7798% | 3,693 |
| Pretax return on assets | 1.0101% | 3,440 |
| Return on Equity (ROE) | 6.7570% | 3,640 |
| Retained earnings to average equity (ytd only) | 0.2851% | 4,609 |
| Net charge-offs to loans | -0.0027% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9094% | 2,779 |
| Assets per employee ($millions) | 7.3673% | 909 |
| Cash dividends to net income (ytd only)* | 95.7808% | 396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1677% | 2,600 |
| Loan loss allowance to noncurrent loans | 2,886.3636% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,484 |
| Noncurrent loans to loans | 0.0405% | 4,396 |
| Net loans and leases to total assets | 78.8638% | 956 |
| Net loans and leases to deposits | 100.4979% | 570 |
| Net loans and leases to core deposits | 117.6856% | 545 |
| Total domestic deposits to total assets | 78.4731% | 4,281 |
| Equity capital to assets | 11.1215% | 2,885 |
| Core capital (leverage) ratio | 11.0743% | 2,432 |
| Tier 1 risk-based capital ratio | 13.5576% | 3,485 |
| Total risk-based capital ratio | 14.7514% | 3,416 |
| Memoranda: |
| Average total assets | $264,430,800 | 2,365 |
| Average earning assets | $246,898,600 | 2,358 |
| Average equity | $30,516,400 | 2,364 |
| Average total loans | $219,552,000 | 2,034 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4951% | 3,073 |
| Cost of funding earning assets | 1.5890% | 319 |
| Net interest margin | 2.9061% | 4,748 |
| Noninterest income to average assets | 0.2607% | 4,182 |
| Noninterest expense to average assets | 1.9899% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7592% | 3,815 |
| Return on assets (ROA) | 0.7592% | 3,882 |
| Pretax return on assets | 0.9817% | 3,647 |
| Return on Equity (ROE) | 6.5168% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.3172% | 2,723 |
| Net charge-offs to loans | -0.0030% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9631% | 2,594 |
| Assets per employee ($millions) | 7.3042% | 911 |
| Cash dividends to net income (ytd only)* | 18.4071% | 3,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1540% | 2,753 |
| Loan loss allowance to noncurrent loans | 2,885.2273% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,556 |
| Noncurrent loans to loans | 0.0400% | 4,474 |
| Net loans and leases to total assets | 82.7077% | 496 |
| Net loans and leases to deposits | 110.0741% | 223 |
| Net loans and leases to core deposits | 130.2057% | 290 |
| Total domestic deposits to total assets | 75.1382% | 4,734 |
| Equity capital to assets | 11.9654% | 2,287 |
| Core capital (leverage) ratio | 11.4932% | 2,225 |
| Tier 1 risk-based capital ratio | 14.2119% | 3,218 |
| Total risk-based capital ratio | 15.4155% | 3,150 |
| Memoranda: |
| Average total assets | $262,391,250 | 2,397 |
| Average earning assets | $244,766,000 | 2,387 |
| Average equity | $30,566,500 | 2,371 |
| Average total loans | $220,061,500 | 2,039 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4265% | 3,260 |
| Cost of funding earning assets | 1.5656% | 305 |
| Net interest margin | 2.8609% | 4,862 |
| Noninterest income to average assets | 0.2479% | 4,264 |
| Noninterest expense to average assets | 2.1441% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6094% | 4,284 |
| Return on assets (ROA) | 0.6094% | 4,320 |
| Pretax return on assets | 0.7757% | 4,149 |
| Return on Equity (ROE) | 5.2796% | 4,266 |
| Retained earnings to average equity (ytd only) | 3.4624% | 3,506 |
| Net charge-offs to loans | 0.0036% | 3,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 254.2500% | 321 |
| Efficiency ratio | 73.4326% | 1,710 |
| Assets per employee ($millions) | 6.9619% | 1,013 |
| Cash dividends to net income (ytd only)* | 34.4180% | 2,440 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1420% | 2,832 |
| Loan loss allowance to noncurrent loans | 1,155.2511% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,127 |
| Noncurrent loans to loans | 0.0989% | 4,235 |
| Net loans and leases to total assets | 82.7859% | 504 |
| Net loans and leases to deposits | 114.1051% | 145 |
| Net loans and leases to core deposits | 134.2382% | 252 |
| Total domestic deposits to total assets | 72.5524% | 4,938 |
| Equity capital to assets | 11.6167% | 2,508 |
| Core capital (leverage) ratio | 11.1363% | 2,473 |
| Tier 1 risk-based capital ratio | 13.7308% | 3,465 |
| Total risk-based capital ratio | 14.9171% | 3,399 |
| Memoranda: |
| Average total assets | $262,205,000 | 2,406 |
| Average earning assets | $244,890,000 | 2,391 |
| Average equity | $30,267,670 | 2,387 |
| Average total loans | $220,075,670 | 2,046 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3314% | 3,463 |
| Cost of funding earning assets | 1.5071% | 317 |
| Net interest margin | 2.8242% | 4,966 |
| Noninterest income to average assets | 0.2682% | 4,080 |
| Noninterest expense to average assets | 2.1469% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5961% | 4,257 |
| Return on assets (ROA) | 0.5961% | 4,290 |
| Pretax return on assets | 0.7631% | 4,140 |
| Return on Equity (ROE) | 5.1805% | 4,272 |
| Retained earnings to average equity (ytd only) | 3.5158% | 3,511 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7757% | 1,782 |
| Assets per employee ($millions) | 10.1903% | 321 |
| Cash dividends to net income (ytd only)* | 32.1337% | 2,165 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1330% | 2,949 |
| Loan loss allowance to noncurrent loans | 354.9020% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 3,533 |
| Noncurrent loans to loans | 0.3192% | 3,423 |
| Net loans and leases to total assets | 83.4579% | 426 |
| Net loans and leases to deposits | 114.7697% | 141 |
| Net loans and leases to core deposits | 133.2841% | 267 |
| Total domestic deposits to total assets | 72.7178% | 5,014 |
| Equity capital to assets | 11.4252% | 2,470 |
| Core capital (leverage) ratio | 11.2049% | 2,388 |
| Tier 1 risk-based capital ratio | 13.4488% | 3,633 |
| Total risk-based capital ratio | 14.6230% | 3,590 |
| Memoranda: |
| Average total assets | $261,032,000 | 2,436 |
| Average earning assets | $244,173,000 | 2,421 |
| Average equity | $30,035,500 | 2,409 |
| Average total loans | $219,343,000 | 2,067 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1253% | 3,662 |
| Cost of funding earning assets | 1.2063% | 332 |
| Net interest margin | 2.9190% | 4,893 |
| Noninterest income to average assets | 0.4486% | 3,111 |
| Noninterest expense to average assets | 2.0876% | 4,589 |
| Loan and lease loss provision to assets | 0.0747% | 2,638 |
| Net operating income to assets | 0.7780% | 3,885 |
| Return on assets (ROA) | 0.7780% | 3,887 |
| Pretax return on assets | 1.0047% | 3,582 |
| Return on Equity (ROE) | 6.8874% | 3,862 |
| Retained earnings to average equity (ytd only) | 3.4962% | 3,663 |
| Net charge-offs to loans | 0.0903% | 1,875 |
| Credit loss provision to net charge-offs | 99.4898% | 2,574 |
| Earnings coverage of net charge-offs (x) | 14.3776% | 2,383 |
| Efficiency ratio | 64.9734% | 3,029 |
| Assets per employee ($millions) | 6.7662% | 1,086 |
| Cash dividends to net income (ytd only)* | 49.2368% | 2,006 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1784% | 2,674 |
| Loan loss allowance to noncurrent loans | 609.1346% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 4,020 |
| Noncurrent loans to loans | 0.1935% | 3,884 |
| Net loans and leases to total assets | 82.6467% | 568 |
| Net loans and leases to deposits | 109.8971% | 256 |
| Net loans and leases to core deposits | 130.1666% | 320 |
| Total domestic deposits to total assets | 75.2037% | 4,848 |
| Equity capital to assets | 11.5901% | 2,185 |
| Core capital (leverage) ratio | 11.1850% | 2,369 |
| Tier 1 risk-based capital ratio | 13.8527% | 3,360 |
| Total risk-based capital ratio | 15.0732% | 3,301 |
| Memoranda: |
| Average total assets | $261,062,000 | 2,396 |
| Average earning assets | $243,135,200 | 2,391 |
| Average equity | $29,488,800 | 2,365 |
| Average total loans | $216,986,200 | 2,047 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0655% | 3,742 |
| Cost of funding earning assets | 1.1402% | 340 |
| Net interest margin | 2.9252% | 4,942 |
| Noninterest income to average assets | 0.4971% | 2,889 |
| Noninterest expense to average assets | 2.1049% | 4,541 |
| Loan and lease loss provision to assets | 0.0611% | 2,755 |
| Net operating income to assets | 0.8146% | 3,859 |
| Return on assets (ROA) | 0.8146% | 3,869 |
| Pretax return on assets | 1.0527% | 3,568 |
| Return on Equity (ROE) | 7.2579% | 3,838 |
| Retained earnings to average equity (ytd only) | 7.2579% | 2,000 |
| Net charge-offs to loans | 0.0864% | 1,642 |
| Credit loss provision to net charge-offs | 85.1064% | 2,469 |
| Earnings coverage of net charge-offs (x) | 15.5244% | 2,216 |
| Efficiency ratio | 64.4799% | 3,108 |
| Assets per employee ($millions) | 7.1294% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1439% | 2,942 |
| Loan loss allowance to noncurrent loans | 462.1324% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 3,913 |
| Noncurrent loans to loans | 0.2475% | 3,802 |
| Net loans and leases to total assets | 82.3657% | 651 |
| Net loans and leases to deposits | 110.1780% | 281 |
| Net loans and leases to core deposits | 134.0097% | 271 |
| Total domestic deposits to total assets | 74.7569% | 4,913 |
| Equity capital to assets | 11.4608% | 2,291 |
| Core capital (leverage) ratio | 11.2521% | 2,379 |
| Tier 1 risk-based capital ratio | 13.8395% | 3,449 |
| Total risk-based capital ratio | 15.0265% | 3,388 |
| Memoranda: |
| Average total assets | $262,048,750 | 2,398 |
| Average earning assets | $243,803,750 | 2,403 |
| Average equity | $29,411,000 | 2,377 |
| Average total loans | $217,475,000 | 2,054 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9877% | 3,821 |
| Cost of funding earning assets | 1.0670% | 337 |
| Net interest margin | 2.9207% | 4,986 |
| Noninterest income to average assets | 0.2715% | 4,374 |
| Noninterest expense to average assets | 2.2810% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5553% | 4,619 |
| Return on assets (ROA) | 0.5553% | 4,619 |
| Pretax return on assets | 0.7083% | 4,488 |
| Return on Equity (ROE) | 4.9833% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.9833% | 3,084 |
| Net charge-offs to loans | -0.0009% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3071% | 1,519 |
| Assets per employee ($millions) | 6.9192% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1591% | 2,936 |
| Loan loss allowance to noncurrent loans | 385.9970% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,762 |
| Noncurrent loans to loans | 0.3003% | 3,625 |
| Net loans and leases to total assets | 82.2492% | 686 |
| Net loans and leases to deposits | 109.7991% | 286 |
| Net loans and leases to core deposits | 132.5787% | 288 |
| Total domestic deposits to total assets | 74.9088% | 4,962 |
| Equity capital to assets | 11.1863% | 2,467 |
| Core capital (leverage) ratio | 11.0757% | 2,457 |
| Tier 1 risk-based capital ratio | 13.5838% | 3,572 |
| Total risk-based capital ratio | 14.7960% | 3,500 |
| Memoranda: |
| Average total assets | $261,469,330 | 2,409 |
| Average earning assets | $243,296,330 | 2,412 |
| Average equity | $29,137,330 | 2,407 |
| Average total loans | $216,705,330 | 2,065 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9479% | 3,795 |
| Cost of funding earning assets | 1.0245% | 327 |
| Net interest margin | 2.9234% | 4,991 |
| Noninterest income to average assets | 0.2899% | 4,231 |
| Noninterest expense to average assets | 2.3349% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5308% | 4,623 |
| Return on assets (ROA) | 0.5308% | 4,627 |
| Pretax return on assets | 0.6735% | 4,508 |
| Return on Equity (ROE) | 4.7724% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.7724% | 3,270 |
| Net charge-offs to loans | -0.0019% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6446% | 1,497 |
| Assets per employee ($millions) | 6.2874% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1822% | 2,919 |
| Loan loss allowance to noncurrent loans | 417.1053% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 3,927 |
| Noncurrent loans to loans | 0.2834% | 3,754 |
| Net loans and leases to total assets | 82.2305% | 637 |
| Net loans and leases to deposits | 106.0086% | 382 |
| Net loans and leases to core deposits | 125.5134% | 435 |
| Total domestic deposits to total assets | 77.5696% | 4,793 |
| Equity capital to assets | 11.2800% | 2,322 |
| Core capital (leverage) ratio | 10.8860% | 2,550 |
| Tier 1 risk-based capital ratio | 13.5776% | 3,615 |
| Total risk-based capital ratio | 14.8066% | 3,532 |
| Memoranda: |
| Average total assets | $260,739,500 | 2,439 |
| Average earning assets | $242,456,000 | 2,433 |
| Average equity | $29,000,000 | 2,435 |
| Average total loans | $215,661,500 | 2,078 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9909% | 3,433 |
| Cost of funding earning assets | 0.9532% | 282 |
| Net interest margin | 3.0376% | 4,808 |
| Noninterest income to average assets | 0.3309% | 4,107 |
| Noninterest expense to average assets | 2.2405% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5310% | 4,288 |
| Return on assets (ROA) | 0.5310% | 4,320 |
| Pretax return on assets | 0.9057% | 3,906 |
| Return on Equity (ROE) | 4.9153% | 4,197 |
| Retained earnings to average equity (ytd only) | 1.2280% | 4,532 |
| Net charge-offs to loans | 0.0981% | 2,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.2110% | 2,594 |
| Efficiency ratio | 70.2945% | 2,504 |
| Assets per employee ($millions) | 6.2785% | 1,336 |
| Cash dividends to net income (ytd only)* | 75.0174% | 1,010 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1692% | 2,958 |
| Loan loss allowance to noncurrent loans | 419.0083% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 3,993 |
| Noncurrent loans to loans | 0.2790% | 3,785 |
| Net loans and leases to total assets | 81.2587% | 788 |
| Net loans and leases to deposits | 105.2431% | 434 |
| Net loans and leases to core deposits | 124.5068% | 471 |
| Total domestic deposits to total assets | 77.2104% | 4,837 |
| Equity capital to assets | 10.9680% | 2,657 |
| Core capital (leverage) ratio | 10.5447% | 2,792 |
| Tier 1 risk-based capital ratio | 13.2548% | 3,759 |
| Total risk-based capital ratio | 14.4692% | 3,708 |
| Memoranda: |
| Average total assets | $269,852,600 | 2,350 |
| Average earning assets | $250,096,400 | 2,347 |
| Average equity | $29,154,000 | 2,416 |
| Average total loans | $222,160,600 | 1,987 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9595% | 3,489 |
| Cost of funding earning assets | 0.9434% | 269 |
| Net interest margin | 3.0161% | 4,885 |
| Noninterest income to average assets | 0.3262% | 4,205 |
| Noninterest expense to average assets | 2.2550% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5836% | 4,445 |
| Return on assets (ROA) | 0.5836% | 4,486 |
| Pretax return on assets | 0.8671% | 4,148 |
| Return on Equity (ROE) | 5.4223% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.0800% | 2,832 |
| Net charge-offs to loans | -0.0024% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3139% | 2,322 |
| Assets per employee ($millions) | 6.0575% | 1,451 |
| Cash dividends to net income (ytd only)* | 6.3133% | 3,574 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2560% | 2,608 |
| Loan loss allowance to noncurrent loans | 358.9844% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 3,908 |
| Noncurrent loans to loans | 0.3499% | 3,695 |
| Net loans and leases to total assets | 81.3199% | 787 |
| Net loans and leases to deposits | 108.6138% | 319 |
| Net loans and leases to core deposits | 130.4160% | 337 |
| Total domestic deposits to total assets | 74.8707% | 5,140 |
| Equity capital to assets | 11.1935% | 2,680 |
| Core capital (leverage) ratio | 10.6176% | 2,859 |
| Tier 1 risk-based capital ratio | 13.4112% | 3,756 |
| Total risk-based capital ratio | 14.6619% | 3,676 |
| Memoranda: |
| Average total assets | $271,392,000 | 2,358 |
| Average earning assets | $251,576,250 | 2,358 |
| Average equity | $29,212,000 | 2,427 |
| Average total loans | $223,498,250 | 1,982 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8699% | 3,655 |
| Cost of funding earning assets | 0.9209% | 269 |
| Net interest margin | 2.9490% | 5,005 |
| Noninterest income to average assets | 0.3509% | 4,045 |
| Noninterest expense to average assets | 2.3486% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4989% | 4,710 |
| Return on assets (ROA) | 0.4989% | 4,745 |
| Pretax return on assets | 0.7377% | 4,461 |
| Return on Equity (ROE) | 4.6958% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.1786% | 3,222 |
| Net charge-offs to loans | -0.0027% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1721% | 1,832 |
| Assets per employee ($millions) | 5.5269% | 1,845 |
| Cash dividends to net income (ytd only)* | 11.0132% | 3,350 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2448% | 2,724 |
| Loan loss allowance to noncurrent loans | 362.6316% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 3,999 |
| Noncurrent loans to loans | 0.3433% | 3,814 |
| Net loans and leases to total assets | 80.7315% | 843 |
| Net loans and leases to deposits | 105.0185% | 445 |
| Net loans and leases to core deposits | 127.7555% | 348 |
| Total domestic deposits to total assets | 76.8736% | 4,978 |
| Equity capital to assets | 10.8441% | 2,973 |
| Core capital (leverage) ratio | 10.2528% | 3,199 |
| Tier 1 risk-based capital ratio | 13.0095% | 3,990 |
| Total risk-based capital ratio | 14.2599% | 3,907 |
| Memoranda: |
| Average total assets | $273,013,000 | 2,352 |
| Average earning assets | $253,236,000 | 2,355 |
| Average equity | $29,004,670 | 2,435 |
| Average total loans | $224,831,670 | 1,978 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8232% | 3,681 |
| Cost of funding earning assets | 0.8890% | 301 |
| Net interest margin | 2.9342% | 5,017 |
| Noninterest income to average assets | 0.4392% | 3,384 |
| Noninterest expense to average assets | 2.3290% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5604% | 4,327 |
| Return on assets (ROA) | 0.5604% | 4,375 |
| Pretax return on assets | 0.8362% | 3,987 |
| Return on Equity (ROE) | 5.3291% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.3291% | 2,718 |
| Net charge-offs to loans | -0.0035% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7063% | 2,454 |
| Assets per employee ($millions) | 5.7298% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2114% | 3,065 |
| Loan loss allowance to noncurrent loans | 381.0512% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,162 |
| Noncurrent loans to loans | 0.3179% | 3,982 |
| Net loans and leases to total assets | 81.6910% | 602 |
| Net loans and leases to deposits | 108.7178% | 243 |
| Net loans and leases to core deposits | 128.8970% | 279 |
| Total domestic deposits to total assets | 75.1404% | 5,322 |
| Equity capital to assets | 10.5640% | 3,115 |
| Core capital (leverage) ratio | 10.1559% | 3,304 |
| Tier 1 risk-based capital ratio | 12.5724% | 4,344 |
| Total risk-based capital ratio | 13.8224% | 4,249 |
| Memoranda: |
| Average total assets | $274,109,500 | 2,369 |
| Average earning assets | $254,656,000 | 2,361 |
| Average equity | $28,823,000 | 2,454 |
| Average total loans | $226,551,000 | 1,974 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0403% | 3,064 |
| Cost of funding earning assets | 0.8566% | 374 |
| Net interest margin | 3.1837% | 4,487 |
| Noninterest income to average assets | 0.4086% | 3,814 |
| Noninterest expense to average assets | 2.3663% | 4,379 |
| Loan and lease loss provision to assets | 0.1078% | 2,248 |
| Net operating income to assets | 0.5904% | 4,254 |
| Return on assets (ROA) | 0.6160% | 4,256 |
| Pretax return on assets | 0.9232% | 3,756 |
| Return on Equity (ROE) | 5.8073% | 4,073 |
| Retained earnings to average equity (ytd only) | 4.8264% | 2,457 |
| Net charge-offs to loans | 0.0098% | 3,933 |
| Credit loss provision to net charge-offs | 1,357.1429% | 297 |
| Earnings coverage of net charge-offs (x) | 124.9524% | 486 |
| Efficiency ratio | 69.5652% | 2,983 |
| Assets per employee ($millions) | 5.9389% | 1,522 |
| Cash dividends to net income (ytd only)* | 16.8919% | 3,830 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2199% | 3,000 |
| Loan loss allowance to noncurrent loans | 397.2583% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 4,286 |
| Noncurrent loans to loans | 0.3071% | 4,038 |
| Net loans and leases to total assets | 81.5989% | 654 |
| Net loans and leases to deposits | 107.6128% | 284 |
| Net loans and leases to core deposits | 126.3927% | 340 |
| Total domestic deposits to total assets | 75.8263% | 5,258 |
| Equity capital to assets | 10.4660% | 3,192 |
| Core capital (leverage) ratio | 10.2776% | 3,138 |
| Tier 1 risk-based capital ratio | 12.2691% | 4,523 |
| Total risk-based capital ratio | 13.5073% | 4,412 |
| Memoranda: |
| Average total assets | $264,291,800 | 2,397 |
| Average earning assets | $244,934,200 | 2,398 |
| Average equity | $28,033,600 | 2,510 |
| Average total loans | $213,476,800 | 2,016 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0852% | 2,931 |
| Cost of funding earning assets | 0.8543% | 369 |
| Net interest margin | 3.2309% | 4,399 |
| Noninterest income to average assets | 0.3572% | 4,227 |
| Noninterest expense to average assets | 2.4848% | 4,029 |
| Loan and lease loss provision to assets | 0.0382% | 3,477 |
| Net operating income to assets | 0.5544% | 4,479 |
| Return on assets (ROA) | 0.5881% | 4,449 |
| Pretax return on assets | 0.8766% | 4,059 |
| Return on Equity (ROE) | 5.5255% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.9280% | 2,881 |
| Net charge-offs to loans | 0.0146% | 3,442 |
| Credit loss provision to net charge-offs | 326.0870% | 975 |
| Earnings coverage of net charge-offs (x) | 73.8598% | 830 |
| Efficiency ratio | 73.3100% | 2,390 |
| Assets per employee ($millions) | 5.6864% | 1,678 |
| Cash dividends to net income (ytd only)* | 10.8130% | 3,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1962% | 3,263 |
| 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 | 80.2366% | 857 |
| Net loans and leases to deposits | 102.7715% | 518 |
| Net loans and leases to core deposits | 120.1182% | 499 |
| Total domestic deposits to total assets | 78.0728% | 4,901 |
| Equity capital to assets | 10.9001% | 3,132 |
| Core capital (leverage) ratio | 10.1866% | 3,348 |
| Tier 1 risk-based capital ratio | 12.5089% | 4,469 |
| Total risk-based capital ratio | 13.6886% | 4,410 |
| Memoranda: |
| Average total assets | $262,067,250 | 2,426 |
| Average earning assets | $242,690,750 | 2,422 |
| Average equity | $27,894,000 | 2,535 |
| Average total loans | $210,427,750 | 2,050 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1426% | 2,705 |
| Cost of funding earning assets | 0.8401% | 399 |
| Net interest margin | 3.3026% | 4,224 |
| Noninterest income to average assets | 0.3920% | 3,930 |
| Noninterest expense to average assets | 2.5024% | 4,019 |
| Loan and lease loss provision to assets | 0.0458% | 3,235 |
| Net operating income to assets | 0.6007% | 4,265 |
| Return on assets (ROA) | 0.6513% | 4,184 |
| Pretax return on assets | 0.9778% | 3,666 |
| Return on Equity (ROE) | 6.1687% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.2658% | 2,576 |
| Net charge-offs to loans | 0.0133% | 3,277 |
| Credit loss provision to net charge-offs | 428.5714% | 740 |
| Earnings coverage of net charge-offs (x) | 88.7857% | 644 |
| Efficiency ratio | 71.6622% | 2,721 |
| Assets per employee ($millions) | 5.6481% | 1,662 |
| Cash dividends to net income (ytd only)* | 14.6370% | 3,354 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1810% | 3,459 |
| Loan loss allowance to noncurrent loans | 36,214.2857% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 5,631 |
| Noncurrent loans to loans | 0.0033% | 5,504 |
| Net loans and leases to total assets | 79.9061% | 926 |
| Net loans and leases to deposits | 102.4408% | 540 |
| Net loans and leases to core deposits | 120.2650% | 509 |
| Total domestic deposits to total assets | 78.0022% | 5,000 |
| Equity capital to assets | 10.6316% | 3,495 |
| Core capital (leverage) ratio | 10.0680% | 3,490 |
| Tier 1 risk-based capital ratio | 12.2065% | 4,698 |
| Total risk-based capital ratio | 13.3684% | 4,674 |
| Memoranda: |
| Average total assets | $262,231,330 | 2,442 |
| Average earning assets | $242,840,330 | 2,437 |
| Average equity | $27,688,000 | 2,554 |
| Average total loans | $209,763,670 | 2,055 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9470% | 3,414 |
| Cost of funding earning assets | 0.8232% | 433 |
| Net interest margin | 3.1238% | 4,802 |
| Noninterest income to average assets | 0.4006% | 3,825 |
| Noninterest expense to average assets | 2.5033% | 4,062 |
| Loan and lease loss provision to assets | 0.0153% | 3,485 |
| Net operating income to assets | 0.5249% | 4,523 |
| Return on assets (ROA) | 0.5249% | 4,632 |
| Pretax return on assets | 0.7766% | 4,280 |
| Return on Equity (ROE) | 4.9890% | 4,487 |
| Retained earnings to average equity (ytd only) | 3.1655% | 3,930 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0815% | 2,313 |
| Assets per employee ($millions) | 5.0783% | 2,260 |
| Cash dividends to net income (ytd only)* | 36.5497% | 2,194 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1835% | 3,584 |
| Loan loss allowance to noncurrent loans | 100.1603% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9448% | 2,344 |
| Noncurrent loans to loans | 1.1816% | 2,047 |
| Net loans and leases to total assets | 79.0176% | 948 |
| Net loans and leases to deposits | 100.3197% | 604 |
| Net loans and leases to core deposits | 119.0227% | 495 |
| Total domestic deposits to total assets | 78.7658% | 5,016 |
| Equity capital to assets | 10.4651% | 3,543 |
| Core capital (leverage) ratio | 10.1275% | 3,394 |
| Tier 1 risk-based capital ratio | 12.1615% | 4,804 |
| Total risk-based capital ratio | 13.3256% | 4,780 |
| Memoranda: |
| Average total assets | $260,615,500 | 2,459 |
| Average earning assets | $241,498,000 | 2,453 |
| Average equity | $27,420,500 | 2,564 |
| Average total loans | $207,317,500 | 2,080 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9758% | 3,401 |
| Cost of funding earning assets | 0.7123% | 771 |
| Net interest margin | 3.2635% | 4,430 |
| Noninterest income to average assets | 0.5284% | 3,148 |
| Noninterest expense to average assets | 2.6348% | 3,800 |
| Loan and lease loss provision to assets | 0.1995% | 1,080 |
| Net operating income to assets | 0.4821% | 4,756 |
| Return on assets (ROA) | 0.4901% | 4,823 |
| Pretax return on assets | 0.7221% | 4,465 |
| Return on Equity (ROE) | 4.6924% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.0370% | 3,149 |
| Net charge-offs to loans | 0.0337% | 3,535 |
| Credit loss provision to net charge-offs | 761.1940% | 437 |
| Earnings coverage of net charge-offs (x) | 34.7164% | 1,307 |
| Efficiency ratio | 73.4716% | 2,661 |
| Assets per employee ($millions) | 4.8521% | 2,528 |
| Cash dividends to net income (ytd only)* | 13.9665% | 3,986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2232% | 3,339 |
| Loan loss allowance to noncurrent loans | 1,704.7945% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 5,437 |
| Noncurrent loans to loans | 0.0718% | 5,221 |
| Net loans and leases to total assets | 78.1554% | 1,097 |
| Net loans and leases to deposits | 97.9473% | 821 |
| Net loans and leases to core deposits | 117.2990% | 564 |
| Total domestic deposits to total assets | 79.7933% | 4,797 |
| Equity capital to assets | 10.5793% | 3,275 |
| Core capital (leverage) ratio | 10.2680% | 3,192 |
| Tier 1 risk-based capital ratio | 12.5761% | 4,579 |
| Total risk-based capital ratio | 13.7835% | 4,507 |
| Memoranda: |
| Average total assets | $255,656,800 | 2,461 |
| Average earning assets | $236,277,800 | 2,453 |
| Average equity | $26,703,000 | 2,579 |
| Average total loans | $198,837,200 | 2,083 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9514% | 3,536 |
| Cost of funding earning assets | 0.6906% | 882 |
| Net interest margin | 3.2608% | 4,487 |
| Noninterest income to average assets | 0.5651% | 2,952 |
| Noninterest expense to average assets | 2.7519% | 3,376 |
| Loan and lease loss provision to assets | 0.1306% | 1,726 |
| Net operating income to assets | 0.4735% | 4,880 |
| Return on assets (ROA) | 0.4842% | 4,940 |
| Pretax return on assets | 0.7119% | 4,646 |
| Return on Equity (ROE) | 4.6505% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.7725% | 3,788 |
| Net charge-offs to loans | 0.0459% | 2,981 |
| Credit loss provision to net charge-offs | 367.6471% | 810 |
| Earnings coverage of net charge-offs (x) | 23.2805% | 1,744 |
| Efficiency ratio | 76.0508% | 2,241 |
| Assets per employee ($millions) | 4.8851% | 2,442 |
| Cash dividends to net income (ytd only)* | 18.8783% | 3,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1135% | 4,147 |
| Loan loss allowance to noncurrent loans | 8,569.2308% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,761 |
| Noncurrent loans to loans | 0.0130% | 5,588 |
| Net loans and leases to total assets | 77.8934% | 1,117 |
| Net loans and leases to deposits | 100.9479% | 613 |
| Net loans and leases to core deposits | 121.6788% | 431 |
| Total domestic deposits to total assets | 77.1620% | 5,319 |
| Equity capital to assets | 10.6159% | 3,455 |
| Core capital (leverage) ratio | 10.1741% | 3,410 |
| Tier 1 risk-based capital ratio | 12.5466% | 4,723 |
| Total risk-based capital ratio | 13.6389% | 4,738 |
| Memoranda: |
| Average total assets | $255,280,500 | 2,483 |
| Average earning assets | $235,928,000 | 2,472 |
| Average equity | $26,577,250 | 2,600 |
| Average total loans | $197,677,750 | 2,098 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9974% | 3,301 |
| Cost of funding earning assets | 0.6794% | 936 |
| Net interest margin | 3.3180% | 4,222 |
| Noninterest income to average assets | 0.6046% | 2,706 |
| Noninterest expense to average assets | 2.7876% | 3,283 |
| Loan and lease loss provision to assets | 0.1486% | 1,444 |
| Net operating income to assets | 0.4964% | 4,784 |
| Return on assets (ROA) | 0.5123% | 4,826 |
| Pretax return on assets | 0.7556% | 4,470 |
| Return on Equity (ROE) | 4.9532% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.9532% | 2,886 |
| Net charge-offs to loans | 0.0701% | 2,390 |
| Credit loss provision to net charge-offs | 275.3623% | 981 |
| Earnings coverage of net charge-offs (x) | 16.3188% | 1,917 |
| Efficiency ratio | 75.1599% | 2,519 |
| Assets per employee ($millions) | 4.3763% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0875% | 4,394 |
| Loan loss allowance to noncurrent loans | 8,334.6154% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,856 |
| Noncurrent loans to loans | 0.0130% | 5,713 |
| Net loans and leases to total assets | 77.6522% | 1,115 |
| Net loans and leases to deposits | 99.7596% | 680 |
| Net loans and leases to core deposits | 122.0245% | 418 |
| Total domestic deposits to total assets | 77.8394% | 5,306 |
| Equity capital to assets | 10.5360% | 3,403 |
| Core capital (leverage) ratio | 10.0284% | 3,555 |
| Tier 1 risk-based capital ratio | 12.3472% | 4,910 |
| Total risk-based capital ratio | 13.3971% | 4,942 |
| Memoranda: |
| Average total assets | $255,699,330 | 2,493 |
| Average earning assets | $236,103,000 | 2,492 |
| Average equity | $26,447,330 | 2,621 |
| Average total loans | $196,871,670 | 2,110 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0755% | 2,934 |
| Cost of funding earning assets | 0.6798% | 948 |
| Net interest margin | 3.3957% | 3,860 |
| Noninterest income to average assets | 0.7248% | 2,046 |
| Noninterest expense to average assets | 2.8741% | 2,994 |
| Loan and lease loss provision to assets | 0.2026% | 907 |
| Net operating income to assets | 0.5235% | 4,570 |
| Return on assets (ROA) | 0.5549% | 4,569 |
| Pretax return on assets | 0.8245% | 4,151 |
| Return on Equity (ROE) | 5.4146% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.4146% | 2,826 |
| Net charge-offs to loans | 0.1411% | 1,403 |
| Credit loss provision to net charge-offs | 188.4058% | 1,088 |
| Earnings coverage of net charge-offs (x) | 9.1159% | 2,029 |
| Efficiency ratio | 74.5653% | 2,722 |
| Assets per employee ($millions) | 4.6976% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0483% | 4,771 |
| Loan loss allowance to noncurrent loans | 3,144.7761% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 5,700 |
| Noncurrent loans to loans | 0.0333% | 5,661 |
| Net loans and leases to total assets | 76.9793% | 1,061 |
| Net loans and leases to deposits | 96.8607% | 778 |
| Net loans and leases to core deposits | 118.8753% | 436 |
| Total domestic deposits to total assets | 79.4742% | 5,177 |
| Equity capital to assets | 10.3016% | 3,776 |
| Core capital (leverage) ratio | 9.8604% | 3,806 |
| Tier 1 risk-based capital ratio | 12.0036% | 5,232 |
| Total risk-based capital ratio | 13.0150% | 5,303 |
| Memoranda: |
| Average total assets | $256,637,000 | 2,498 |
| Average earning assets | $236,536,500 | 2,502 |
| Average equity | $26,299,500 | 2,648 |
| Average total loans | $195,674,000 | 2,120 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0843% | 3,386 |
| Cost of funding earning assets | 0.7266% | 971 |
| Net interest margin | 3.3576% | 4,379 |
| Noninterest income to average assets | 0.4864% | 3,613 |
| Noninterest expense to average assets | 2.9799% | 2,901 |
| Loan and lease loss provision to assets | 0.1448% | 1,826 |
| Net operating income to assets | 0.3336% | 5,435 |
| Return on assets (ROA) | 0.3666% | 5,403 |
| Pretax return on assets | 0.5050% | 5,239 |
| Return on Equity (ROE) | 3.6913% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.6913% | 3,591 |
| Net charge-offs to loans | -0.0181% | 5,686 |
| Credit loss provision to net charge-offs | -1,106.0606% | 5,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1323% | 1,504 |
| Assets per employee ($millions) | 4.6347% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0749% | 4,668 |
| Loan loss allowance to noncurrent loans | 163.1579% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 4,155 |
| Noncurrent loans to loans | 0.6588% | 3,708 |
| Net loans and leases to total assets | 73.8724% | 1,604 |
| Net loans and leases to deposits | 91.5284% | 1,344 |
| Net loans and leases to core deposits | 111.7968% | 697 |
| Total domestic deposits to total assets | 80.7098% | 4,823 |
| Equity capital to assets | 10.2127% | 3,839 |
| Core capital (leverage) ratio | 9.8512% | 3,771 |
| Tier 1 risk-based capital ratio | 12.3779% | 5,107 |
| Total risk-based capital ratio | 13.4041% | 5,166 |
| Memoranda: |
| Average total assets | $252,058,400 | 2,504 |
| Average earning assets | $232,575,600 | 2,493 |
| Average equity | $25,031,800 | 2,657 |
| Average total loans | $182,696,000 | 2,200 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9904% | 3,798 |
| Cost of funding earning assets | 0.7390% | 947 |
| Net interest margin | 3.2514% | 4,786 |
| Noninterest income to average assets | 0.4848% | 3,653 |
| Noninterest expense to average assets | 2.9786% | 2,871 |
| Loan and lease loss provision to assets | 0.0955% | 2,457 |
| Net operating income to assets | 0.3022% | 5,571 |
| Return on assets (ROA) | 0.3464% | 5,507 |
| Pretax return on assets | 0.4774% | 5,389 |
| Return on Equity (ROE) | 3.5133% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.5133% | 4,140 |
| Net charge-offs to loans | -0.0206% | 5,619 |
| Credit loss provision to net charge-offs | -642.8571% | 5,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3214% | 1,251 |
| Assets per employee ($millions) | 4.7452% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9883% | 5,264 |
| Loan loss allowance to noncurrent loans | 146.3722% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 4,370 |
| Noncurrent loans to loans | 0.6752% | 3,921 |
| Net loans and leases to total assets | 73.9324% | 1,539 |
| Net loans and leases to deposits | 90.9312% | 1,336 |
| Net loans and leases to core deposits | 110.4034% | 729 |
| Total domestic deposits to total assets | 81.3059% | 4,731 |
| Equity capital to assets | 10.2073% | 3,923 |
| Core capital (leverage) ratio | 9.7566% | 3,986 |
| Tier 1 risk-based capital ratio | 12.4484% | 5,198 |
| Total risk-based capital ratio | 13.3958% | 5,319 |
| Memoranda: |
| Average total assets | $251,346,250 | 2,529 |
| Average earning assets | $232,383,250 | 2,511 |
| Average equity | $24,781,500 | 2,689 |
| Average total loans | $180,782,000 | 2,235 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9844% | 3,790 |
| Cost of funding earning assets | 0.7384% | 976 |
| Net interest margin | 3.2460% | 4,795 |
| Noninterest income to average assets | 0.4791% | 3,640 |
| Noninterest expense to average assets | 2.9543% | 2,989 |
| Loan and lease loss provision to assets | 0.0955% | 2,433 |
| Net operating income to assets | 0.3134% | 5,525 |
| Return on assets (ROA) | 0.3581% | 5,446 |
| Pretax return on assets | 0.4926% | 5,298 |
| Return on Equity (ROE) | 3.6757% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.6757% | 3,853 |
| Net charge-offs to loans | -0.0224% | 5,587 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8651% | 1,402 |
| Assets per employee ($millions) | 4.8132% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9725% | 5,473 |
| Loan loss allowance to noncurrent loans | 212.8571% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 5,059 |
| Noncurrent loans to loans | 0.4569% | 4,623 |
| Net loans and leases to total assets | 71.3737% | 1,848 |
| Net loans and leases to deposits | 86.3335% | 1,787 |
| Net loans and leases to core deposits | 103.8844% | 1,026 |
| Total domestic deposits to total assets | 82.6721% | 4,426 |
| Equity capital to assets | 9.9295% | 4,202 |
| Core capital (leverage) ratio | 9.4879% | 4,350 |
| Tier 1 risk-based capital ratio | 12.5446% | 5,201 |
| Total risk-based capital ratio | 13.4728% | 5,323 |
| Memoranda: |
| Average total assets | $251,296,330 | 2,530 |
| Average earning assets | $232,406,670 | 2,527 |
| Average equity | $24,485,000 | 2,711 |
| Average total loans | $178,445,000 | 2,251 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9115% | 4,030 |
| Cost of funding earning assets | 0.7555% | 947 |
| Net interest margin | 3.1559% | 5,065 |
| Noninterest income to average assets | 0.4651% | 3,668 |
| Noninterest expense to average assets | 3.0057% | 2,844 |
| Loan and lease loss provision to assets | 0.0962% | 2,321 |
| Net operating income to assets | 0.2229% | 5,735 |
| Return on assets (ROA) | 0.2229% | 5,789 |
| Pretax return on assets | 0.2775% | 5,768 |
| Return on Equity (ROE) | 2.3106% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.3106% | 4,680 |
| Net charge-offs to loans | -0.0341% | 5,634 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9416% | 1,133 |
| Assets per employee ($millions) | 4.7864% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9406% | 5,736 |
| Loan loss allowance to noncurrent loans | 276.1218% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 5,470 |
| Noncurrent loans to loans | 0.3407% | 5,095 |
| Net loans and leases to total assets | 70.2043% | 1,852 |
| Net loans and leases to deposits | 87.3035% | 1,435 |
| Net loans and leases to core deposits | 103.9053% | 862 |
| Total domestic deposits to total assets | 80.4141% | 5,399 |
| Equity capital to assets | 9.3822% | 4,654 |
| Core capital (leverage) ratio | 9.4190% | 4,393 |
| Tier 1 risk-based capital ratio | 12.1207% | 5,559 |
| Total risk-based capital ratio | 13.0156% | 5,715 |
| Memoranda: |
| Average total assets | $249,395,500 | 2,562 |
| Average earning assets | $230,298,000 | 2,551 |
| Average equity | $24,062,500 | 2,751 |
| Average total loans | $175,737,000 | 2,276 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4478% | 2,402 |
| Cost of funding earning assets | 0.9104% | 694 |
| Net interest margin | 3.5374% | 3,732 |
| Noninterest income to average assets | 0.5213% | 3,621 |
| Noninterest expense to average assets | 2.9613% | 3,158 |
| Loan and lease loss provision to assets | 0.1482% | 2,430 |
| Net operating income to assets | 0.4871% | 4,790 |
| Return on assets (ROA) | 0.6175% | 4,289 |
| Pretax return on assets | 0.9050% | 3,747 |
| Return on Equity (ROE) | 6.3931% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.3931% | 1,746 |
| Net charge-offs to loans | -0.0144% | 6,080 |
| Credit loss provision to net charge-offs | -1,394.7368% | 6,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4656% | 2,547 |
| Assets per employee ($millions) | 4.4504% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9792% | 5,661 |
| Loan loss allowance to noncurrent loans | 2,658.0645% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 6,318 |
| Noncurrent loans to loans | 0.0368% | 6,137 |
| Net loans and leases to total assets | 69.3431% | 2,117 |
| Net loans and leases to deposits | 83.0367% | 2,050 |
| Net loans and leases to core deposits | 101.3520% | 1,067 |
| Total domestic deposits to total assets | 83.5089% | 4,359 |
| Equity capital to assets | 9.9345% | 3,854 |
| Core capital (leverage) ratio | 10.6698% | 2,703 |
| Tier 1 risk-based capital ratio | 13.4555% | 4,680 |
| Total risk-based capital ratio | 14.4122% | 4,820 |
| Memoranda: |
| Average total assets | $178,775,200 | 3,284 |
| Average earning assets | $166,846,600 | 3,256 |
| Average equity | $17,268,600 | 3,527 |
| Average total loans | $132,237,400 | 2,820 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3161% | 2,921 |
| Cost of funding earning assets | 0.9457% | 661 |
| Net interest margin | 3.3704% | 4,398 |
| Noninterest income to average assets | 0.6096% | 3,084 |
| Noninterest expense to average assets | 2.6382% | 4,247 |
| Loan and lease loss provision to assets | 0.1673% | 2,169 |
| Net operating income to assets | 0.6454% | 4,149 |
| Return on assets (ROA) | 0.7728% | 3,623 |
| Pretax return on assets | 1.1498% | 2,893 |
| Return on Equity (ROE) | 8.0850% | 3,079 |
| Retained earnings to average equity (ytd only) | 8.0850% | 1,376 |
| Net charge-offs to loans | -0.0162% | 6,001 |
| Credit loss provision to net charge-offs | -1,366.6667% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0694% | 3,749 |
| Assets per employee ($millions) | 5.2367% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1253% | 5,226 |
| Loan loss allowance to noncurrent loans | 1,190.9774% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 6,212 |
| Noncurrent loans to loans | 0.0945% | 6,055 |
| Net loans and leases to total assets | 78.1688% | 729 |
| Net loans and leases to deposits | 98.4871% | 538 |
| Net loans and leases to core deposits | 132.3085% | 164 |
| Total domestic deposits to total assets | 79.3696% | 5,659 |
| Equity capital to assets | 8.6510% | 5,569 |
| Core capital (leverage) ratio | 9.5950% | 4,255 |
| Tier 1 risk-based capital ratio | 11.4793% | 6,069 |
| Total risk-based capital ratio | 12.5967% | 6,098 |
| Memoranda: |
| Average total assets | $163,388,000 | 3,541 |
| Average earning assets | $152,974,500 | 3,483 |
| Average equity | $15,617,000 | 3,807 |
| Average total loans | $123,222,750 | 2,993 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3074% | 2,925 |
| Cost of funding earning assets | 0.9707% | 640 |
| Net interest margin | 3.3367% | 4,428 |
| Noninterest income to average assets | 0.6612% | 2,849 |
| Noninterest expense to average assets | 2.6864% | 4,080 |
| Loan and lease loss provision to assets | 0.1830% | 2,071 |
| Net operating income to assets | 0.6144% | 4,224 |
| Return on assets (ROA) | 0.8113% | 3,388 |
| Pretax return on assets | 1.2088% | 2,634 |
| Return on Equity (ROE) | 8.1972% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.1972% | 1,401 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9903% | 3,645 |
| Assets per employee ($millions) | 4.8956% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1703% | 5,145 |
| Loan loss allowance to noncurrent loans | 1,143.1818% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 6,259 |
| Noncurrent loans to loans | 0.1024% | 6,092 |
| Net loans and leases to total assets | 76.5578% | 919 |
| Net loans and leases to deposits | 97.3157% | 589 |
| Net loans and leases to core deposits | 120.5487% | 308 |
| Total domestic deposits to total assets | 78.6695% | 5,859 |
| Equity capital to assets | 9.2123% | 4,976 |
| Core capital (leverage) ratio | 10.0103% | 3,493 |
| Tier 1 risk-based capital ratio | 12.0444% | 5,773 |
| Total risk-based capital ratio | 13.1824% | 5,781 |
| Memoranda: |
| Average total assets | $158,501,330 | 3,642 |
| Average earning assets | $148,351,000 | 3,590 |
| Average equity | $15,688,330 | 3,825 |
| Average total loans | $117,376,330 | 3,120 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3882% | 2,562 |
| Cost of funding earning assets | 1.0022% | 604 |
| Net interest margin | 3.3860% | 4,171 |
| Noninterest income to average assets | 0.6316% | 2,968 |
| Noninterest expense to average assets | 2.7102% | 4,016 |
| Loan and lease loss provision to assets | 0.1553% | 2,315 |
| Net operating income to assets | 0.6365% | 4,039 |
| Return on assets (ROA) | 0.6963% | 3,846 |
| Pretax return on assets | 1.0199% | 3,264 |
| Return on Equity (ROE) | 6.7820% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.7820% | 2,262 |
| Net charge-offs to loans | -0.0179% | 5,673 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3701% | 3,742 |
| Assets per employee ($millions) | 5.0207% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2595% | 4,899 |
| Loan loss allowance to noncurrent loans | 434.3465% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 5,932 |
| Noncurrent loans to loans | 0.2900% | 5,686 |
| Net loans and leases to total assets | 71.9763% | 1,354 |
| Net loans and leases to deposits | 88.4183% | 1,106 |
| Net loans and leases to core deposits | 105.7108% | 651 |
| Total domestic deposits to total assets | 81.4042% | 5,390 |
| Equity capital to assets | 10.2337% | 3,874 |
| Core capital (leverage) ratio | 9.9621% | 3,437 |
| Tier 1 risk-based capital ratio | 13.2380% | 5,051 |
| Total risk-based capital ratio | 14.4510% | 5,020 |
| Memoranda: |
| Average total assets | $154,526,000 | 3,729 |
| Average earning assets | $144,478,000 | 3,683 |
| Average equity | $15,865,500 | 3,838 |
| Average total loans | $111,594,000 | 3,255 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9036% | 1,825 |
| Cost of funding earning assets | 1.2229% | 520 |
| Net interest margin | 3.6807% | 3,738 |
| Noninterest income to average assets | 0.6253% | 3,139 |
| Noninterest expense to average assets | 2.9590% | 3,432 |
| Loan and lease loss provision to assets | 0.1262% | 4,036 |
| Net operating income to assets | 0.7710% | 3,410 |
| Return on assets (ROA) | 0.9471% | 2,818 |
| Pretax return on assets | 1.2002% | 2,807 |
| Return on Equity (ROE) | 8.9338% | 2,672 |
| Retained earnings to average equity (ytd only) | 8.9338% | 847 |
| Net charge-offs to loans | 0.0842% | 4,837 |
| Credit loss provision to net charge-offs | 214.2857% | 1,182 |
| Earnings coverage of net charge-offs (x) | 18.7381% | 1,425 |
| Efficiency ratio | 72.8387% | 3,269 |
| Assets per employee ($millions) | 4.6488% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2430% | 4,913 |
| Loan loss allowance to noncurrent loans | 665.3659% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 6,230 |
| Noncurrent loans to loans | 0.1868% | 6,003 |
| Net loans and leases to total assets | 70.6406% | 1,717 |
| Net loans and leases to deposits | 84.7739% | 1,666 |
| Net loans and leases to core deposits | 99.2381% | 1,065 |
| Total domestic deposits to total assets | 83.3282% | 4,591 |
| Equity capital to assets | 10.3012% | 3,758 |
| Core capital (leverage) ratio | 10.1951% | 3,150 |
| Tier 1 risk-based capital ratio | 13.4307% | 4,804 |
| Total risk-based capital ratio | 14.6260% | 4,794 |
| Memoranda: |
| Average total assets | $142,648,000 | 3,905 |
| Average earning assets | $133,207,000 | 3,838 |
| Average equity | $15,122,400 | 3,940 |
| Average total loans | $99,762,400 | 3,531 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0384% | 1,588 |
| Cost of funding earning assets | 1.2690% | 505 |
| Net interest margin | 3.7693% | 3,470 |
| Noninterest income to average assets | 0.6097% | 3,212 |
| Noninterest expense to average assets | 2.9875% | 3,272 |
| Loan and lease loss provision to assets | 0.1524% | 3,628 |
| Net operating income to assets | 0.8052% | 3,426 |
| Return on assets (ROA) | 1.0536% | 2,490 |
| Pretax return on assets | 1.2927% | 2,633 |
| Return on Equity (ROE) | 9.8623% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.8623% | 949 |
| Net charge-offs to loans | 0.1288% | 4,094 |
| Credit loss provision to net charge-offs | 170.2128% | 1,632 |
| Earnings coverage of net charge-offs (x) | 12.7554% | 1,976 |
| Efficiency ratio | 72.3414% | 3,257 |
| Assets per employee ($millions) | 4.3631% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2848% | 4,884 |
| Loan loss allowance to noncurrent loans | 1,419.1489% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 6,588 |
| Noncurrent loans to loans | 0.0905% | 6,390 |
| Net loans and leases to total assets | 69.0937% | 2,092 |
| Net loans and leases to deposits | 84.8303% | 1,759 |
| Net loans and leases to core deposits | 100.6649% | 1,075 |
| Total domestic deposits to total assets | 81.4493% | 5,209 |
| Equity capital to assets | 10.4796% | 3,867 |
| Core capital (leverage) ratio | 10.2372% | 3,244 |
| Tier 1 risk-based capital ratio | 13.8912% | 4,618 |
| Total risk-based capital ratio | 15.1200% | 4,587 |
| Memoranda: |
| Average total assets | $139,957,750 | 3,986 |
| Average earning assets | $130,700,250 | 3,920 |
| Average equity | $14,952,250 | 4,014 |
| Average total loans | $97,269,750 | 3,627 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2386% | 1,165 |
| Cost of funding earning assets | 1.3163% | 488 |
| Net interest margin | 3.9223% | 2,823 |
| Noninterest income to average assets | 0.6416% | 2,996 |
| Noninterest expense to average assets | 3.0242% | 3,169 |
| Loan and lease loss provision to assets | 0.1750% | 3,353 |
| Net operating income to assets | 0.9272% | 2,774 |
| Return on assets (ROA) | 1.3167% | 1,548 |
| Pretax return on assets | 1.5646% | 1,656 |
| Return on Equity (ROE) | 12.2405% | 1,594 |
| Retained earnings to average equity (ytd only) | 12.2405% | 546 |
| Net charge-offs to loans | 0.2040% | 3,350 |
| Credit loss provision to net charge-offs | 123.7113% | 2,217 |
| Earnings coverage of net charge-offs (x) | 9.0206% | 2,212 |
| Efficiency ratio | 70.3289% | 3,708 |
| Assets per employee ($millions) | 4.1274% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2892% | 4,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 68.4286% | 2,208 |
| Net loans and leases to deposits | 83.7473% | 1,887 |
| Net loans and leases to core deposits | 92.4689% | 1,735 |
| Total domestic deposits to total assets | 81.7084% | 5,233 |
| Equity capital to assets | 10.5524% | 3,619 |
| Core capital (leverage) ratio | 10.6890% | 2,612 |
| Tier 1 risk-based capital ratio | 14.3089% | 4,236 |
| Total risk-based capital ratio | 15.5506% | 4,200 |
| Memoranda: |
| Average total assets | $137,162,000 | 4,052 |
| Average earning assets | $127,934,000 | 3,996 |
| Average equity | $14,754,330 | 4,043 |
| Average total loans | $95,082,670 | 3,689 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7725% | 449 |
| Cost of funding earning assets | 1.4142% | 406 |
| Net interest margin | 4.3583% | 1,318 |
| Noninterest income to average assets | 0.6321% | 3,044 |
| Noninterest expense to average assets | 3.0349% | 3,132 |
| Loan and lease loss provision to assets | 0.1798% | 3,175 |
| Net operating income to assets | 1.2208% | 1,681 |
| Return on assets (ROA) | 1.4321% | 1,304 |
| Pretax return on assets | 1.7377% | 1,223 |
| Return on Equity (ROE) | 13.1776% | 1,361 |
| Retained earnings to average equity (ytd only) | 13.1776% | 659 |
| Net charge-offs to loans | -0.0475% | 6,515 |
| Credit loss provision to net charge-offs | -545.4545% | 5,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6458% | 4,809 |
| Assets per employee ($millions) | 3.8836% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4542% | 4,354 |
| Loan loss allowance to noncurrent loans | 904.7297% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 6,400 |
| Noncurrent loans to loans | 0.1607% | 6,361 |
| Net loans and leases to total assets | 66.7581% | 2,338 |
| Net loans and leases to deposits | 80.2826% | 2,167 |
| Net loans and leases to core deposits | 88.1597% | 2,032 |
| Total domestic deposits to total assets | 83.1539% | 4,862 |
| Equity capital to assets | 10.8420% | 3,089 |
| Core capital (leverage) ratio | 10.7927% | 2,446 |
| Tier 1 risk-based capital ratio | 15.0554% | 3,724 |
| Total risk-based capital ratio | 16.3075% | 3,681 |
| Memoranda: |
| Average total assets | $133,513,000 | 4,154 |
| Average earning assets | $124,451,500 | 4,102 |
| Average equity | $14,509,500 | 4,094 |
| Average total loans | $92,552,500 | 3,766 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9789% | 2,977 |
| Cost of funding earning assets | 1.6582% | 382 |
| Net interest margin | 3.3207% | 5,753 |
| Noninterest income to average assets | 0.6270% | 3,024 |
| Noninterest expense to average assets | 3.1440% | 3,049 |
| Loan and lease loss provision to assets | 0.3863% | 2,675 |
| Net operating income to assets | 0.1944% | 5,606 |
| Return on assets (ROA) | 0.4278% | 4,940 |
| Pretax return on assets | 0.4278% | 5,210 |
| Return on Equity (ROE) | 4.2103% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.2103% | 3,188 |
| Net charge-offs to loans | 0.1980% | 4,557 |
| Credit loss provision to net charge-offs | 295.0311% | 802 |
| Earnings coverage of net charge-offs (x) | 4.4348% | 3,114 |
| Efficiency ratio | 84.4105% | 1,717 |
| Assets per employee ($millions) | 3.9728% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3631% | 4,623 |
| Loan loss allowance to noncurrent loans | 290.8257% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 5,917 |
| Noncurrent loans to loans | 0.4687% | 5,776 |
| Net loans and leases to total assets | 69.9896% | 2,031 |
| Net loans and leases to deposits | 83.2580% | 2,028 |
| Net loans and leases to core deposits | 92.0894% | 1,875 |
| Total domestic deposits to total assets | 84.0634% | 4,292 |
| Equity capital to assets | 10.8939% | 3,082 |
| Core capital (leverage) ratio | 10.8938% | 2,352 |
| Tier 1 risk-based capital ratio | 14.3028% | 4,107 |
| Total risk-based capital ratio | 15.5534% | 4,073 |
| Memoranda: |
| Average total assets | $122,963,000 | 4,323 |
| Average earning assets | $114,704,600 | 4,266 |
| Average equity | $12,493,200 | 4,444 |
| Average total loans | $81,314,800 | 4,102 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9890% | 3,147 |
| Cost of funding earning assets | 1.6937% | 406 |
| Net interest margin | 3.2953% | 5,872 |
| Noninterest income to average assets | 0.5788% | 3,309 |
| Noninterest expense to average assets | 3.2503% | 2,662 |
| Loan and lease loss provision to assets | 0.5017% | 1,972 |
| Net operating income to assets | -0.0970% | 6,283 |
| Return on assets (ROA) | 0.3098% | 5,534 |
| Pretax return on assets | 0.3098% | 5,684 |
| Return on Equity (ROE) | 3.1102% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.1102% | 4,470 |
| Net charge-offs to loans | 0.2892% | 3,645 |
| Credit loss provision to net charge-offs | 267.6471% | 1,067 |
| Earnings coverage of net charge-offs (x) | 2.1588% | 4,053 |
| Efficiency ratio | 88.9291% | 1,252 |
| Assets per employee ($millions) | 3.9044% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4108% | 4,514 |
| Loan loss allowance to noncurrent loans | 247.5050% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 5,837 |
| Noncurrent loans to loans | 0.5700% | 5,732 |
| Net loans and leases to total assets | 69.3538% | 2,203 |
| Net loans and leases to deposits | 84.2099% | 1,969 |
| Net loans and leases to core deposits | 94.1205% | 1,782 |
| Total domestic deposits to total assets | 82.3582% | 4,946 |
| Equity capital to assets | 10.3416% | 3,907 |
| Core capital (leverage) ratio | 10.4137% | 2,979 |
| Tier 1 risk-based capital ratio | 13.8435% | 4,463 |
| Total risk-based capital ratio | 15.0950% | 4,425 |
| Memoranda: |
| Average total assets | $120,928,500 | 4,395 |
| Average earning assets | $112,886,500 | 4,331 |
| Average equity | $12,046,000 | 4,561 |
| Average total loans | $78,387,250 | 4,231 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9762% | 3,280 |
| Cost of funding earning assets | 1.7168% | 437 |
| Net interest margin | 3.2594% | 5,974 |
| Noninterest income to average assets | 0.6021% | 3,125 |
| Noninterest expense to average assets | 3.3096% | 2,521 |
| Loan and lease loss provision to assets | 0.2174% | 3,745 |
| Net operating income to assets | 0.1104% | 5,989 |
| Return on assets (ROA) | 0.2659% | 5,623 |
| Pretax return on assets | 0.2659% | 5,760 |
| Return on Equity (ROE) | 2.7054% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.7054% | 4,567 |
| Net charge-offs to loans | 0.4733% | 2,680 |
| Credit loss provision to net charge-offs | 73.0337% | 3,980 |
| Earnings coverage of net charge-offs (x) | 1.1011% | 4,453 |
| Efficiency ratio | 90.9885% | 1,165 |
| Assets per employee ($millions) | 3.7046% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1100% | 5,915 |
| Loan loss allowance to noncurrent loans | 202.6846% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 5,998 |
| Noncurrent loans to loans | 0.5477% | 5,819 |
| Net loans and leases to total assets | 66.0229% | 3,024 |
| Net loans and leases to deposits | 78.8556% | 2,988 |
| Net loans and leases to core deposits | 89.1652% | 2,477 |
| Total domestic deposits to total assets | 83.7264% | 4,463 |
| Equity capital to assets | 10.4783% | 3,534 |
| Core capital (leverage) ratio | 10.3127% | 2,919 |
| Tier 1 risk-based capital ratio | 14.3986% | 3,871 |
| Total risk-based capital ratio | 15.4332% | 3,999 |
| Memoranda: |
| Average total assets | $119,590,670 | 4,469 |
| Average earning assets | $111,369,670 | 4,404 |
| Average equity | $11,754,330 | 4,627 |
| Average total loans | $75,219,000 | 4,379 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9433% | 3,355 |
| Cost of funding earning assets | 1.7378% | 479 |
| Net interest margin | 3.2055% | 6,054 |
| Noninterest income to average assets | 0.6393% | 2,903 |
| Noninterest expense to average assets | 3.3317% | 2,462 |
| Loan and lease loss provision to assets | 0.2029% | 3,608 |
| Net operating income to assets | 0.0744% | 6,162 |
| Return on assets (ROA) | 0.0846% | 6,188 |
| Pretax return on assets | 0.0846% | 6,207 |
| Return on Equity (ROE) | 0.8907% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.8907% | 5,470 |
| Net charge-offs to loans | -0.0111% | 6,390 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3149% | 1,140 |
| Assets per employee ($millions) | 3.5862% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3626% | 4,844 |
| Loan loss allowance to noncurrent loans | 157.7640% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 5,694 |
| Noncurrent loans to loans | 0.8637% | 5,311 |
| Net loans and leases to total assets | 60.3197% | 4,205 |
| Net loans and leases to deposits | 74.7054% | 3,650 |
| Net loans and leases to core deposits | 82.7583% | 3,346 |
| Total domestic deposits to total assets | 80.7434% | 5,734 |
| Equity capital to assets | 10.0802% | 3,670 |
| Core capital (leverage) ratio | 10.7305% | 2,414 |
| Tier 1 risk-based capital ratio | 15.1756% | 3,332 |
| Total risk-based capital ratio | 16.4116% | 3,297 |
| Memoranda: |
| Average total assets | $118,259,500 | 4,535 |
| Average earning assets | $109,562,000 | 4,485 |
| Average equity | $11,226,500 | 4,741 |
| Average total loans | $72,018,000 | 4,546 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3681% | 2,818 |
| Cost of funding earning assets | 2.0958% | 436 |
| Net interest margin | 3.2722% | 6,062 |
| Noninterest income to average assets | 0.6636% | 3,061 |
| Noninterest expense to average assets | 3.5527% | 2,049 |
| Loan and lease loss provision to assets | 0.1874% | 5,357 |
| Net operating income to assets | 0.0077% | 5,818 |
| Return on assets (ROA) | 0.0695% | 5,798 |
| Pretax return on assets | 0.0241% | 5,849 |
| Return on Equity (ROE) | 0.7118% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.7118% | 5,206 |
| Net charge-offs to loans | 0.3728% | 4,171 |
| Credit loss provision to net charge-offs | 78.2258% | 5,627 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 5,485 |
| Efficiency ratio | 95.9562% | 970 |
| Assets per employee ($millions) | 3.2739% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3732% | 4,643 |
| Loan loss allowance to noncurrent loans | 51.7073% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.6101% | 3,901 |
| Noncurrent loans to loans | 2.6558% | 2,859 |
| Net loans and leases to total assets | 59.7947% | 4,713 |
| Net loans and leases to deposits | 71.1776% | 4,652 |
| Net loans and leases to core deposits | 77.5781% | 4,513 |
| Total domestic deposits to total assets | 84.0078% | 4,359 |
| Equity capital to assets | 8.8684% | 5,327 |
| Core capital (leverage) ratio | 9.4075% | 3,837 |
| Tier 1 risk-based capital ratio | 13.4892% | 4,216 |
| Total risk-based capital ratio | 14.7285% | 4,194 |
| Memoranda: |
| Average total assets | $103,525,600 | 4,888 |
| Average earning assets | $96,142,800 | 4,821 |
| Average equity | $10,115,600 | 5,101 |
| Average total loans | $66,516,000 | 4,806 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2784% | 3,457 |
| Cost of funding earning assets | 2.1670% | 418 |
| Net interest margin | 3.1114% | 6,585 |
| Noninterest income to average assets | 0.6444% | 3,158 |
| Noninterest expense to average assets | 3.6124% | 1,766 |
| Loan and lease loss provision to assets | 0.2025% | 5,025 |
| Net operating income to assets | -0.2369% | 6,368 |
| Return on assets (ROA) | -0.1469% | 6,325 |
| Pretax return on assets | -0.1760% | 6,300 |
| Return on Equity (ROE) | -1.4648% | 6,334 |
| Retained earnings to average equity (ytd only) | -1.4648% | 6,092 |
| Net charge-offs to loans | 0.5716% | 3,038 |
| Credit loss provision to net charge-offs | 54.2553% | 5,821 |
| Earnings coverage of net charge-offs (x) | -0.2198% | 6,184 |
| Efficiency ratio | 102.3238% | 674 |
| Assets per employee ($millions) | 3.0671% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2445% | 5,267 |
| Loan loss allowance to noncurrent loans | 43.7967% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 1.9754% | 3,498 |
| Noncurrent loans to loans | 2.8416% | 2,812 |
| Net loans and leases to total assets | 66.8866% | 3,490 |
| Net loans and leases to deposits | 79.6160% | 3,519 |
| Net loans and leases to core deposits | 85.9181% | 3,668 |
| Total domestic deposits to total assets | 84.0115% | 4,123 |
| Equity capital to assets | 10.0411% | 4,108 |
| Core capital (leverage) ratio | 9.8358% | 3,444 |
| Tier 1 risk-based capital ratio | 13.2597% | 4,380 |
| Total risk-based capital ratio | 14.4023% | 4,442 |
| Memoranda: |
| Average total assets | $100,760,250 | 5,019 |
| Average earning assets | $93,461,000 | 4,966 |
| Average equity | $10,104,000 | 5,158 |
| Average total loans | $65,777,250 | 4,917 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1938% | 3,990 |
| Cost of funding earning assets | 2.2225% | 432 |
| Net interest margin | 2.9713% | 6,892 |
| Noninterest income to average assets | 0.5663% | 3,574 |
| Noninterest expense to average assets | 3.6210% | 1,728 |
| Loan and lease loss provision to assets | 0.2069% | 4,807 |
| Net operating income to assets | -0.3329% | 6,510 |
| Return on assets (ROA) | -0.2189% | 6,423 |
| Pretax return on assets | -0.3314% | 6,461 |
| Return on Equity (ROE) | -2.1840% | 6,437 |
| Retained earnings to average equity (ytd only) | -2.1840% | 6,177 |
| Net charge-offs to loans | 0.8074% | 2,230 |
| Credit loss provision to net charge-offs | 39.7683% | 5,619 |
| Earnings coverage of net charge-offs (x) | -0.5714% | 6,035 |
| Efficiency ratio | 108.9426% | 568 |
| Assets per employee ($millions) | 3.0996% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2632% | 5,116 |
| Loan loss allowance to noncurrent loans | 78.5253% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5202% | 4,177 |
| Noncurrent loans to loans | 1.6086% | 4,300 |
| Net loans and leases to total assets | 65.1076% | 4,018 |
| Net loans and leases to deposits | 77.7791% | 4,023 |
| Net loans and leases to core deposits | 83.4338% | 4,219 |
| Total domestic deposits to total assets | 83.7084% | 4,239 |
| Equity capital to assets | 9.6416% | 4,485 |
| Core capital (leverage) ratio | 9.8882% | 3,292 |
| Tier 1 risk-based capital ratio | 13.3199% | 4,192 |
| Total risk-based capital ratio | 14.4895% | 4,217 |
| Memoranda: |
| Average total assets | $99,586,670 | 5,089 |
| Average earning assets | $92,417,670 | 5,031 |
| Average equity | $9,981,670 | 5,206 |
| Average total loans | $64,160,000 | 5,013 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1900% | 4,081 |
| Cost of funding earning assets | 2.3416% | 373 |
| Net interest margin | 2.8484% | 7,103 |
| Noninterest income to average assets | 0.6596% | 2,880 |
| Noninterest expense to average assets | 3.4366% | 2,136 |
| Loan and lease loss provision to assets | 0.1832% | 4,681 |
| Net operating income to assets | -0.1762% | 6,514 |
| Return on assets (ROA) | -0.1059% | 6,515 |
| Pretax return on assets | -0.1954% | 6,551 |
| Return on Equity (ROE) | -1.0357% | 6,532 |
| Retained earnings to average equity (ytd only) | -1.0357% | 6,056 |
| Net charge-offs to loans | 1.4012% | 1,231 |
| Credit loss provision to net charge-offs | 20.5479% | 4,941 |
| Earnings coverage of net charge-offs (x) | -0.1370% | 5,126 |
| Efficiency ratio | 103.6855% | 734 |
| Assets per employee ($millions) | 3.0182% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2955% | 4,959 |
| Loan loss allowance to noncurrent loans | 79.7893% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2870% | 4,602 |
| Noncurrent loans to loans | 1.6237% | 4,312 |
| Net loans and leases to total assets | 65.7117% | 3,929 |
| Net loans and leases to deposits | 76.8100% | 4,258 |
| Net loans and leases to core deposits | 82.8709% | 4,368 |
| Total domestic deposits to total assets | 85.5510% | 3,385 |
| Equity capital to assets | 10.3571% | 3,398 |
| Core capital (leverage) ratio | 9.9441% | 3,236 |
| Tier 1 risk-based capital ratio | 14.4024% | 3,436 |
| Total risk-based capital ratio | 15.6284% | 3,410 |
| Memoranda: |
| Average total assets | $98,237,000 | 5,202 |
| Average earning assets | $91,561,000 | 5,118 |
| Average equity | $10,041,500 | 5,226 |
| Average total loans | $62,516,000 | 5,149 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4306% | 4,533 |
| Cost of funding earning assets | 2.8203% | 420 |
| Net interest margin | 2.6103% | 7,324 |
| Noninterest income to average assets | 0.7125% | 2,883 |
| Noninterest expense to average assets | 3.9633% | 1,413 |
| Loan and lease loss provision to assets | 0.3205% | 4,896 |
| Net operating income to assets | -0.9056% | 6,516 |
| Return on assets (ROA) | -0.8685% | 6,487 |
| Pretax return on assets | -1.0939% | 6,472 |
| Return on Equity (ROE) | -10.0328% | 6,625 |
| Retained earnings to average equity (ytd only) | -10.0328% | 6,521 |
| Net charge-offs to loans | 0.2268% | 5,204 |
| Credit loss provision to net charge-offs | 230.7692% | 1,588 |
| Earnings coverage of net charge-offs (x) | -5.9077% | 7,121 |
| Efficiency ratio | 126.1047% | 511 |
| Assets per employee ($millions) | 3.2224% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6597% | 3,046 |
| Loan loss allowance to noncurrent loans | 76.5957% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 4,105 |
| Noncurrent loans to loans | 2.1668% | 3,433 |
| Net loans and leases to total assets | 59.7900% | 5,370 |
| Net loans and leases to deposits | 70.5722% | 5,527 |
| Net loans and leases to core deposits | 81.4571% | 5,959 |
| Total domestic deposits to total assets | 84.7217% | 3,700 |
| Equity capital to assets | 10.0908% | 3,631 |
| Core capital (leverage) ratio | 9.9204% | 3,171 |
| Tier 1 risk-based capital ratio | 14.6165% | 3,148 |
| Total risk-based capital ratio | 15.8694% | 3,098 |
| Memoranda: |
| Average total assets | $93,609,200 | 5,281 |
| Average earning assets | $87,153,600 | 5,222 |
| Average equity | $8,103,400 | 5,891 |
| Average total loans | $57,331,800 | 5,368 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4361% | 4,762 |
| Cost of funding earning assets | 2.8767% | 495 |
| Net interest margin | 2.5595% | 7,398 |
| Noninterest income to average assets | 0.7026% | 2,996 |
| Noninterest expense to average assets | 3.7114% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.5522% | 6,481 |
| Return on assets (ROA) | -0.5114% | 6,436 |
| Pretax return on assets | -0.5780% | 6,374 |
| Return on Equity (ROE) | -6.1852% | 6,574 |
| Retained earnings to average equity (ytd only) | -6.1852% | 6,407 |
| Net charge-offs to loans | 0.2313% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -4.3981% | 6,840 |
| Efficiency ratio | 120.2252% | 585 |
| Assets per employee ($millions) | 3.1433% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2376% | 4,916 |
| Loan loss allowance to noncurrent loans | 50.9291% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.7775% | 3,689 |
| Noncurrent loans to loans | 2.4301% | 3,100 |
| Net loans and leases to total assets | 60.6012% | 5,487 |
| Net loans and leases to deposits | 74.0433% | 5,359 |
| Net loans and leases to core deposits | 86.4481% | 5,824 |
| Total domestic deposits to total assets | 81.8456% | 4,743 |
| Equity capital to assets | 8.4974% | 6,260 |
| Core capital (leverage) ratio | 8.4208% | 5,635 |
| Tier 1 risk-based capital ratio | 12.1338% | 4,849 |
| Total risk-based capital ratio | 13.2601% | 4,905 |
| Memoranda: |
| Average total assets | $92,038,250 | 5,366 |
| Average earning assets | $85,745,250 | 5,308 |
| Average equity | $7,609,250 | 6,107 |
| Average total loans | $56,481,250 | 5,444 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4120% | 5,083 |
| Cost of funding earning assets | 2.9046% | 601 |
| Net interest margin | 2.5074% | 7,470 |
| Noninterest income to average assets | 0.6361% | 3,438 |
| Noninterest expense to average assets | 3.7346% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.6403% | 6,698 |
| Return on assets (ROA) | -0.5807% | 6,644 |
| Pretax return on assets | -0.6915% | 6,591 |
| Return on Equity (ROE) | -7.0948% | 6,814 |
| Retained earnings to average equity (ytd only) | -7.0948% | 6,574 |
| Net charge-offs to loans | 0.2203% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -5.6393% | 6,472 |
| Efficiency ratio | 125.6525% | 576 |
| Assets per employee ($millions) | 2.7598% | 6,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3680% | 3,898 |
| Loan loss allowance to noncurrent loans | 40.0929% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 2.3627% | 2,752 |
| Noncurrent loans to loans | 3.4122% | 2,068 |
| Net loans and leases to total assets | 59.7012% | 5,731 |
| Net loans and leases to deposits | 74.1339% | 5,433 |
| Net loans and leases to core deposits | 87.7836% | 5,744 |
| Total domestic deposits to total assets | 80.5316% | 5,262 |
| Equity capital to assets | 8.1879% | 6,512 |
| Core capital (leverage) ratio | 8.2372% | 5,909 |
| Tier 1 risk-based capital ratio | 12.1315% | 4,817 |
| Total risk-based capital ratio | 13.3024% | 4,793 |
| Memoranda: |
| Average total assets | $90,237,000 | 5,451 |
| Average earning assets | $84,072,670 | 5,411 |
| Average equity | $7,385,670 | 6,229 |
| Average total loans | $55,378,000 | 5,539 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3391% | 5,713 |
| Cost of funding earning assets | 2.8950% | 781 |
| Net interest margin | 2.4440% | 7,567 |
| Noninterest income to average assets | 0.5518% | 3,904 |
| Noninterest expense to average assets | 3.5460% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.7282% | 7,079 |
| Return on assets (ROA) | -0.7282% | 7,111 |
| Pretax return on assets | -0.7146% | 6,978 |
| Return on Equity (ROE) | -8.8987% | 7,294 |
| Retained earnings to average equity (ytd only) | -8.8987% | 7,005 |
| Net charge-offs to loans | 0.4244% | 2,402 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -2.7241% | 5,506 |
| Efficiency ratio | 125.2396% | 564 |
| Assets per employee ($millions) | 2.9107% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4417% | 3,273 |
| Loan loss allowance to noncurrent loans | 32.5000% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 2.9435% | 1,926 |
| Noncurrent loans to loans | 4.4360% | 1,305 |
| Net loans and leases to total assets | 59.0948% | 5,796 |
| Net loans and leases to deposits | 73.5277% | 5,539 |
| Net loans and leases to core deposits | 87.9366% | 5,747 |
| Total domestic deposits to total assets | 80.3708% | 5,221 |
| Equity capital to assets | 7.9705% | 6,856 |
| Core capital (leverage) ratio | 8.4149% | 5,689 |
| Tier 1 risk-based capital ratio | 12.1471% | 4,828 |
| Total risk-based capital ratio | 13.3984% | 4,719 |
| Memoranda: |
| Average total assets | $88,438,500 | 5,544 |
| Average earning assets | $82,486,500 | 5,472 |
| Average equity | $7,237,000 | 6,324 |
| Average total loans | $54,668,500 | 5,604 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0094% | 5,503 |
| Cost of funding earning assets | 3.2698% | 1,004 |
| Net interest margin | 2.7396% | 7,430 |
| Noninterest income to average assets | 0.5850% | 3,973 |
| Noninterest expense to average assets | 3.1107% | 3,656 |
| Loan and lease loss provision to assets | 0.4439% | 3,071 |
| Net operating income to assets | -0.2815% | 6,720 |
| Return on assets (ROA) | -0.2716% | 6,550 |
| Pretax return on assets | -0.4319% | 6,583 |
| Return on Equity (ROE) | -3.1236% | 6,637 |
| Retained earnings to average equity (ytd only) | -4.4997% | 6,418 |
| Net charge-offs to loans | 0.5251% | 2,266 |
| Credit loss provision to net charge-offs | 133.4532% | 3,980 |
| Earnings coverage of net charge-offs (x) | -0.0108% | 6,249 |
| Efficiency ratio | 100.1155% | 978 |
| Assets per employee ($millions) | 3.4658% | 4,764 |
| Cash dividends to net income (ytd only)* | -44.0529% | 8,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5172% | 2,597 |
| Loan loss allowance to noncurrent loans | 34.7574% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 2.9973% | 1,534 |
| Noncurrent loans to loans | 4.3651% | 1,095 |
| Net loans and leases to total assets | 62.7810% | 5,493 |
| Net loans and leases to deposits | 79.9812% | 5,046 |
| Net loans and leases to core deposits | 95.6111% | 5,287 |
| Total domestic deposits to total assets | 78.4948% | 5,551 |
| Equity capital to assets | 8.4045% | 6,245 |
| Core capital (leverage) ratio | 8.6928% | 5,208 |
| Tier 1 risk-based capital ratio | 12.5902% | 4,380 |
| Total risk-based capital ratio | 13.8570% | 4,272 |
| Memoranda: |
| Average total assets | $83,583,200 | 5,578 |
| Average earning assets | $76,946,600 | 5,549 |
| Average equity | $7,267,200 | 6,362 |
| Average total loans | $52,945,200 | 5,584 |
