| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1987% | 2,724 |
| Cost of funding earning assets | 2.0859% | 1,695 |
| Net interest margin | 3.1128% | 3,197 |
| Noninterest income to average assets | 0.6600% | 1,146 |
| Noninterest expense to average assets | 2.3864% | 2,616 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.2452% | 1,611 |
| Return on assets (ROA) | 1.2452% | 1,612 |
| Pretax return on assets | 1.2452% | 2,122 |
| Return on Equity (ROE) | 19.3300% | 499 |
| Retained earnings to average equity (ytd only) | 12.4422% | 722 |
| Net charge-offs to loans | 0.0192% | 1,617 |
| Credit loss provision to net charge-offs | 192.3077% | 913 |
| Earnings coverage of net charge-offs (x) | 126.8462% | 600 |
| Efficiency ratio | 65.0154% | 2,360 |
| Assets per employee ($millions) | 9.4654% | 945 |
| Cash dividends to net income (ytd only)* | 35.6160% | 1,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5812% | 836 |
| Loan loss allowance to noncurrent loans | 5,643.0464% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,648 |
| Noncurrent loans to loans | 0.0280% | 3,568 |
| Net loans and leases to total assets | 51.8800% | 3,475 |
| Net loans and leases to deposits | 58.8666% | 3,534 |
| Net loans and leases to core deposits | 65.3886% | 3,496 |
| Total domestic deposits to total assets | 88.1300% | 1,515 |
| Equity capital to assets | 6.7412% | 4,098 |
| Core capital (leverage) ratio | 9.6002% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9331% | 1,085 |
| Memoranda: |
| Average total assets | $1,027,339,500 | 992 |
| Average earning assets | $994,473,000 | 955 |
| Average equity | $66,194,000 | 1,423 |
| Average total loans | $541,771,500 | 1,243 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0964% | 2,921 |
| Cost of funding earning assets | 2.3346% | 1,474 |
| Net interest margin | 2.7619% | 3,543 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 2.1450% | 3,271 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.0424% | 1,922 |
| Return on assets (ROA) | 1.0424% | 1,924 |
| Pretax return on assets | 1.0424% | 2,413 |
| Return on Equity (ROE) | 17.6000% | 604 |
| Retained earnings to average equity (ytd only) | 10.3973% | 516 |
| Net charge-offs to loans | 0.2041% | 689 |
| Credit loss provision to net charge-offs | 15.2603% | 2,482 |
| Earnings coverage of net charge-offs (x) | 10.1221% | 2,287 |
| Efficiency ratio | 66.6203% | 2,414 |
| Assets per employee ($millions) | 9.6487% | 863 |
| Cash dividends to net income (ytd only)* | 40.9108% | 2,088 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5601% | 870 |
| Loan loss allowance to noncurrent loans | 5,412.1019% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,630 |
| Noncurrent loans to loans | 0.0288% | 3,536 |
| Net loans and leases to total assets | 51.9300% | 3,527 |
| Net loans and leases to deposits | 57.2292% | 3,652 |
| Net loans and leases to core deposits | 63.5156% | 3,625 |
| Total domestic deposits to total assets | 90.7500% | 589 |
| Equity capital to assets | 6.1482% | 4,177 |
| Core capital (leverage) ratio | 9.4840% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8080% | 1,094 |
| Memoranda: |
| Average total assets | $1,049,165,600 | 970 |
| Average earning assets | $1,017,355,400 | 930 |
| Average equity | $62,150,600 | 1,448 |
| Average total loans | $545,857,400 | 1,215 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0768% | 2,912 |
| Cost of funding earning assets | 2.3910% | 1,355 |
| Net interest margin | 2.6857% | 3,619 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 2.1543% | 3,202 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.9421% | 2,241 |
| Return on assets (ROA) | 0.9421% | 2,255 |
| Pretax return on assets | 0.9421% | 2,709 |
| Return on Equity (ROE) | 16.0500% | 816 |
| Retained earnings to average equity (ytd only) | 9.3194% | 1,022 |
| Net charge-offs to loans | 0.2644% | 477 |
| Credit loss provision to net charge-offs | 31.3943% | 2,137 |
| Earnings coverage of net charge-offs (x) | 7.1404% | 2,281 |
| Efficiency ratio | 68.7593% | 2,171 |
| Assets per employee ($millions) | 9.8962% | 796 |
| Cash dividends to net income (ytd only)* | 41.9455% | 1,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5915% | 854 |
| Loan loss allowance to noncurrent loans | 616.4422% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 2,796 |
| Noncurrent loans to loans | 0.2582% | 2,514 |
| Net loans and leases to total assets | 52.2600% | 3,531 |
| Net loans and leases to deposits | 57.9756% | 3,672 |
| Net loans and leases to core deposits | 64.9730% | 3,612 |
| Total domestic deposits to total assets | 90.1300% | 555 |
| Equity capital to assets | 7.1127% | 4,104 |
| Core capital (leverage) ratio | 9.3310% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4310% | 1,202 |
| Memoranda: |
| Average total assets | $1,053,353,250 | 961 |
| Average earning assets | $1,022,410,750 | 921 |
| Average equity | $61,819,500 | 1,440 |
| Average total loans | $546,156,750 | 1,209 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9535% | 3,027 |
| Cost of funding earning assets | 2.4139% | 1,231 |
| Net interest margin | 2.5395% | 3,816 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 2.1264% | 3,260 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.7984% | 2,629 |
| Return on assets (ROA) | 0.7984% | 2,645 |
| Pretax return on assets | 0.7984% | 3,001 |
| Return on Equity (ROE) | 14.6000% | 1,053 |
| Retained earnings to average equity (ytd only) | 7.1935% | 1,597 |
| Net charge-offs to loans | 0.3740% | 312 |
| Credit loss provision to net charge-offs | 28.4035% | 1,916 |
| Earnings coverage of net charge-offs (x) | 4.3359% | 2,266 |
| Efficiency ratio | 71.8241% | 1,883 |
| Assets per employee ($millions) | 9.8945% | 748 |
| Cash dividends to net income (ytd only)* | 50.7435% | 1,423 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5985% | 863 |
| Loan loss allowance to noncurrent loans | 100.8335% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 757 |
| Noncurrent loans to loans | 1.5853% | 533 |
| Net loans and leases to total assets | 52.1000% | 3,536 |
| Net loans and leases to deposits | 55.7102% | 3,758 |
| Net loans and leases to core deposits | 62.0262% | 3,693 |
| Total domestic deposits to total assets | 93.5300% | 110 |
| Equity capital to assets | 5.7864% | 4,253 |
| Core capital (leverage) ratio | 8.8643% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8395% | 1,311 |
| Memoranda: |
| Average total assets | $1,061,404,000 | 957 |
| Average earning assets | $1,030,352,333 | 915 |
| Average equity | $58,024,667 | 1,510 |
| Average total loans | $546,035,667 | 1,211 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6154% | 2,863 |
| Cost of funding earning assets | 1.8876% | 1,090 |
| Net interest margin | 2.7278% | 3,777 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.1206% | 3,355 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0483% | 2,067 |
| Return on assets (ROA) | 1.0434% | 2,057 |
| Pretax return on assets | 1.0434% | 2,553 |
| Return on Equity (ROE) | 23.8400% | 359 |
| Retained earnings to average equity (ytd only) | 16.4179% | 249 |
| Net charge-offs to loans | 0.0390% | 1,531 |
| Credit loss provision to net charge-offs | 128.2051% | 1,610 |
| Earnings coverage of net charge-offs (x) | 54.8718% | 1,237 |
| Efficiency ratio | 66.3945% | 2,297 |
| Assets per employee ($millions) | 10.0007% | 703 |
| Cash dividends to net income (ytd only)* | 31.1412% | 2,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9395% | 426 |
| Loan loss allowance to noncurrent loans | 278.7678% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 1,576 |
| Noncurrent loans to loans | 0.6957% | 1,127 |
| Net loans and leases to total assets | 48.9000% | 3,667 |
| Net loans and leases to deposits | 51.8001% | 3,887 |
| Net loans and leases to core deposits | 55.5218% | 3,931 |
| Total domestic deposits to total assets | 94.4000% | 86 |
| Equity capital to assets | 5.1195% | 4,394 |
| Core capital (leverage) ratio | 8.4192% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8524% | 1,578 |
| Memoranda: |
| Average total assets | $996,870,600 | 989 |
| Average earning assets | $971,638,400 | 931 |
| Average equity | $43,623,000 | 1,772 |
| Average total loans | $500,238,200 | 1,234 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5900% | 2,699 |
| Cost of funding earning assets | 1.8010% | 1,005 |
| Net interest margin | 2.7890% | 3,738 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.1843% | 3,121 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0699% | 2,151 |
| Return on assets (ROA) | 1.0631% | 2,165 |
| Pretax return on assets | 1.0631% | 2,679 |
| Return on Equity (ROE) | 25.5100% | 373 |
| Retained earnings to average equity (ytd only) | 14.8651% | 573 |
| Net charge-offs to loans | 0.0381% | 1,343 |
| Credit loss provision to net charge-offs | 142.8571% | 1,351 |
| Earnings coverage of net charge-offs (x) | 57.2286% | 1,231 |
| Efficiency ratio | 66.5637% | 2,213 |
| Assets per employee ($millions) | 9.3533% | 819 |
| Cash dividends to net income (ytd only)* | 41.7236% | 1,582 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0479% | 363 |
| Loan loss allowance to noncurrent loans | 1,366.3212% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,084 |
| Noncurrent loans to loans | 0.1499% | 2,806 |
| Net loans and leases to total assets | 49.9500% | 3,619 |
| Net loans and leases to deposits | 52.0506% | 3,874 |
| Net loans and leases to core deposits | 55.7002% | 3,866 |
| Total domestic deposits to total assets | 95.9500% | 82 |
| Equity capital to assets | 3.5145% | 4,454 |
| Core capital (leverage) ratio | 8.4469% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9825% | 1,572 |
| Memoranda: |
| Average total assets | $973,569,250 | 1,010 |
| Average earning assets | $949,282,250 | 953 |
| Average equity | $40,577,250 | 1,848 |
| Average total loans | $489,398,750 | 1,251 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4499% | 2,772 |
| Cost of funding earning assets | 1.6099% | 1,039 |
| Net interest margin | 2.8399% | 3,753 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.1837% | 3,121 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1436% | 1,990 |
| Return on assets (ROA) | 1.1334% | 2,021 |
| Pretax return on assets | 1.1334% | 2,552 |
| Return on Equity (ROE) | 25.7800% | 346 |
| Retained earnings to average equity (ytd only) | 13.7169% | 716 |
| Net charge-offs to loans | 0.0383% | 1,144 |
| Credit loss provision to net charge-offs | 217.3913% | 1,010 |
| Earnings coverage of net charge-offs (x) | 61.9239% | 1,180 |
| Efficiency ratio | 64.8203% | 2,396 |
| Assets per employee ($millions) | 9.4621% | 792 |
| Cash dividends to net income (ytd only)* | 46.7878% | 1,416 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1064% | 359 |
| Loan loss allowance to noncurrent loans | 4,998.1132% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,616 |
| Noncurrent loans to loans | 0.0421% | 3,423 |
| Net loans and leases to total assets | 48.6400% | 3,652 |
| Net loans and leases to deposits | 50.9473% | 3,882 |
| Net loans and leases to core deposits | 53.9207% | 3,892 |
| Total domestic deposits to total assets | 95.4700% | 74 |
| Equity capital to assets | 4.0298% | 4,499 |
| Core capital (leverage) ratio | 8.3658% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8752% | 1,607 |
| Memoranda: |
| Average total assets | $961,374,667 | 1,012 |
| Average earning assets | $937,919,000 | 955 |
| Average equity | $42,269,000 | 1,805 |
| Average total loans | $480,842,000 | 1,253 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3143% | 2,768 |
| Cost of funding earning assets | 1.2783% | 1,280 |
| Net interest margin | 3.0360% | 3,513 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.2645% | 2,914 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1964% | 1,940 |
| Return on assets (ROA) | 1.1964% | 1,898 |
| Pretax return on assets | 1.1964% | 2,429 |
| Return on Equity (ROE) | 26.0400% | 362 |
| Retained earnings to average equity (ytd only) | 17.1428% | 580 |
| Net charge-offs to loans | 0.0477% | 886 |
| Credit loss provision to net charge-offs | 357.1429% | 636 |
| Earnings coverage of net charge-offs (x) | 53.5536% | 1,078 |
| Efficiency ratio | 63.8544% | 2,481 |
| Assets per employee ($millions) | 8.9262% | 964 |
| Cash dividends to net income (ytd only)* | 34.1551% | 1,615 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1971% | 323 |
| Loan loss allowance to noncurrent loans | 4,810.8597% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,562 |
| Noncurrent loans to loans | 0.0457% | 3,409 |
| Net loans and leases to total assets | 49.5500% | 3,529 |
| Net loans and leases to deposits | 52.0830% | 3,791 |
| Net loans and leases to core deposits | 54.1843% | 3,823 |
| Total domestic deposits to total assets | 95.1400% | 82 |
| Equity capital to assets | 4.4486% | 4,501 |
| Core capital (leverage) ratio | 8.7546% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6378% | 1,753 |
| Memoranda: |
| Average total assets | $935,837,000 | 1,055 |
| Average earning assets | $913,057,500 | 997 |
| Average equity | $43,003,500 | 1,797 |
| Average total loans | $469,746,000 | 1,288 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5159% | 3,035 |
| Cost of funding earning assets | 0.3650% | 2,367 |
| Net interest margin | 3.1509% | 3,018 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.3454% | 2,596 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2308% | 1,659 |
| Return on assets (ROA) | 1.2324% | 1,605 |
| Pretax return on assets | 1.2324% | 2,332 |
| Return on Equity (ROE) | 21.3700% | 372 |
| Retained earnings to average equity (ytd only) | 16.1131% | 219 |
| Net charge-offs to loans | 0.1073% | 695 |
| Credit loss provision to net charge-offs | 222.2222% | 1,056 |
| Earnings coverage of net charge-offs (x) | 26.1333% | 1,759 |
| Efficiency ratio | 63.5507% | 2,560 |
| Assets per employee ($millions) | 8.8132% | 971 |
| Cash dividends to net income (ytd only)* | 24.6148% | 2,685 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5222% | 1,137 |
| Loan loss allowance to noncurrent loans | 3,015.2174% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,584 |
| Noncurrent loans to loans | 0.0505% | 3,398 |
| Net loans and leases to total assets | 48.9500% | 3,592 |
| Net loans and leases to deposits | 51.6387% | 3,827 |
| Net loans and leases to core deposits | 53.3947% | 3,841 |
| Total domestic deposits to total assets | 94.7900% | 163 |
| Equity capital to assets | 4.7479% | 4,425 |
| Core capital (leverage) ratio | 8.9765% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5182% | 1,472 |
| Memoranda: |
| Average total assets | $874,215,200 | 1,105 |
| Average earning assets | $851,752,400 | 1,058 |
| Average equity | $50,406,200 | 1,611 |
| Average total loans | $419,543,400 | 1,340 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3218% | 3,123 |
| Cost of funding earning assets | 0.2409% | 2,809 |
| Net interest margin | 3.0809% | 2,988 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.3540% | 2,458 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1755% | 1,792 |
| Return on assets (ROA) | 1.1776% | 1,757 |
| Pretax return on assets | 1.1776% | 2,460 |
| Return on Equity (ROE) | 19.5100% | 479 |
| Retained earnings to average equity (ytd only) | 12.7298% | 653 |
| Net charge-offs to loans | 0.1137% | 551 |
| Credit loss provision to net charge-offs | 200.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 23.7543% | 1,643 |
| Efficiency ratio | 64.7144% | 2,450 |
| Assets per employee ($millions) | 8.9171% | 924 |
| Cash dividends to net income (ytd only)* | 34.7535% | 1,821 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5204% | 1,242 |
| Loan loss allowance to noncurrent loans | 2,151.7572% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,578 |
| Noncurrent loans to loans | 0.0707% | 3,371 |
| Net loans and leases to total assets | 47.0400% | 3,700 |
| Net loans and leases to deposits | 49.1935% | 3,904 |
| Net loans and leases to core deposits | 50.9312% | 3,906 |
| Total domestic deposits to total assets | 95.6200% | 163 |
| Equity capital to assets | 3.8393% | 4,493 |
| Core capital (leverage) ratio | 8.7464% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2597% | 1,630 |
| Memoranda: |
| Average total assets | $863,625,750 | 1,128 |
| Average earning assets | $841,371,500 | 1,071 |
| Average equity | $52,128,250 | 1,589 |
| Average total loans | $410,531,750 | 1,354 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1715% | 3,140 |
| Cost of funding earning assets | 0.1756% | 3,240 |
| Net interest margin | 2.9959% | 2,891 |
| Noninterest income to average assets | 0.6294% | 1,621 |
| Noninterest expense to average assets | 2.3937% | 2,242 |
| Loan and lease loss provision to assets | 0.0356% | 1,943 |
| Net operating income to assets | 1.1164% | 1,718 |
| Return on assets (ROA) | 1.1197% | 1,679 |
| Pretax return on assets | 1.1197% | 2,337 |
| Return on Equity (ROE) | 16.3648% | 653 |
| Retained earnings to average equity (ytd only) | 10.4657% | 910 |
| Net charge-offs to loans | 0.1646% | 382 |
| Credit loss provision to net charge-offs | 45.5927% | 1,517 |
| Earnings coverage of net charge-offs (x) | 14.7477% | 1,648 |
| Efficiency ratio | 67.5104% | 2,310 |
| Assets per employee ($millions) | 8.2727% | 1,162 |
| Cash dividends to net income (ytd only)* | 36.0475% | 1,874 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4904% | 1,438 |
| Loan loss allowance to noncurrent loans | 2,452.9644% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,686 |
| Noncurrent loans to loans | 0.0608% | 3,496 |
| Net loans and leases to total assets | 48.1386% | 3,540 |
| Net loans and leases to deposits | 50.8470% | 3,763 |
| Net loans and leases to core deposits | 52.6543% | 3,774 |
| Total domestic deposits to total assets | 94.6733% | 183 |
| Equity capital to assets | 4.8056% | 4,513 |
| Core capital (leverage) ratio | 8.8898% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7742% | 1,232 |
| Memoranda: |
| Average total assets | $842,375,000 | 1,146 |
| Average earning assets | $819,981,667 | 1,093 |
| Average equity | $57,636,000 | 1,487 |
| Average total loans | $399,717,667 | 1,379 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1098% | 2,955 |
| Cost of funding earning assets | 0.1546% | 3,437 |
| Net interest margin | 2.9552% | 2,653 |
| Noninterest income to average assets | 0.6104% | 1,653 |
| Noninterest expense to average assets | 2.3999% | 2,162 |
| Loan and lease loss provision to assets | 0.0358% | 1,714 |
| Net operating income to assets | 1.0512% | 1,687 |
| Return on assets (ROA) | 1.0579% | 1,654 |
| Pretax return on assets | 1.0579% | 2,271 |
| Return on Equity (ROE) | 13.4283% | 953 |
| Retained earnings to average equity (ytd only) | 10.3971% | 929 |
| Net charge-offs to loans | 0.0634% | 692 |
| Credit loss provision to net charge-offs | 120.9677% | 933 |
| Earnings coverage of net charge-offs (x) | 36.7097% | 1,045 |
| Efficiency ratio | 68.8262% | 2,393 |
| Assets per employee ($millions) | 8.1632% | 1,278 |
| Cash dividends to net income (ytd only)* | 22.5734% | 1,928 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6140% | 1,233 |
| Loan loss allowance to noncurrent loans | 2,460.7692% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,729 |
| Noncurrent loans to loans | 0.0656% | 3,520 |
| Net loans and leases to total assets | 45.9396% | 3,584 |
| Net loans and leases to deposits | 49.5037% | 3,770 |
| Net loans and leases to core deposits | 51.5173% | 3,769 |
| Total domestic deposits to total assets | 92.8005% | 324 |
| Equity capital to assets | 6.7742% | 4,306 |
| Core capital (leverage) ratio | 8.9110% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2015% | 1,211 |
| Memoranda: |
| Average total assets | $837,518,500 | 1,151 |
| Average earning assets | $815,241,000 | 1,109 |
| Average equity | $65,980,000 | 1,390 |
| Average total loans | $391,382,000 | 1,393 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4728% | 2,741 |
| Cost of funding earning assets | 0.1589% | 3,882 |
| Net interest margin | 3.3138% | 2,273 |
| Noninterest income to average assets | 0.7162% | 1,706 |
| Noninterest expense to average assets | 2.7166% | 1,594 |
| Loan and lease loss provision to assets | 0.0634% | 1,802 |
| Net operating income to assets | 1.1521% | 2,097 |
| Return on assets (ROA) | 1.1521% | 2,159 |
| Pretax return on assets | 1.1521% | 2,813 |
| Return on Equity (ROE) | 11.7798% | 1,886 |
| Retained earnings to average equity (ytd only) | 9.3902% | 1,076 |
| Net charge-offs to loans | 0.0098% | 2,190 |
| Credit loss provision to net charge-offs | 1,319.4444% | 432 |
| Earnings coverage of net charge-offs (x) | 252.8333% | 459 |
| Efficiency ratio | 69.0871% | 1,849 |
| Assets per employee ($millions) | 7.7930% | 1,443 |
| Cash dividends to net income (ytd only)* | 20.2852% | 3,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6526% | 1,150 |
| Loan loss allowance to noncurrent loans | 1,064.1667% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,450 |
| Noncurrent loans to loans | 0.1553% | 3,157 |
| Net loans and leases to total assets | 45.9972% | 3,692 |
| Net loans and leases to deposits | 50.8383% | 3,828 |
| Net loans and leases to core deposits | 52.9646% | 3,829 |
| Total domestic deposits to total assets | 90.4773% | 729 |
| Equity capital to assets | 9.0125% | 3,604 |
| Core capital (leverage) ratio | 9.0202% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4863% | 1,395 |
| Memoranda: |
| Average total assets | $748,809,600 | 1,225 |
| Average earning assets | $726,683,400 | 1,183 |
| Average equity | $73,235,600 | 1,300 |
| Average total loans | $366,817,000 | 1,472 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5396% | 2,720 |
| Cost of funding earning assets | 0.1632% | 3,988 |
| Net interest margin | 3.3764% | 2,218 |
| Noninterest income to average assets | 0.7519% | 1,668 |
| Noninterest expense to average assets | 2.7368% | 1,489 |
| Loan and lease loss provision to assets | 0.0411% | 2,174 |
| Net operating income to assets | 1.2490% | 1,993 |
| Return on assets (ROA) | 1.2490% | 2,057 |
| Pretax return on assets | 1.2490% | 2,776 |
| Return on Equity (ROE) | 12.4935% | 1,867 |
| Retained earnings to average equity (ytd only) | 9.2942% | 1,576 |
| Net charge-offs to loans | -0.0099% | 3,670 |
| Credit loss provision to net charge-offs | -833.3333% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9617% | 1,841 |
| Assets per employee ($millions) | 6.9937% | 1,872 |
| Cash dividends to net income (ytd only)* | 25.6073% | 2,299 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6612% | 1,194 |
| Loan loss allowance to noncurrent loans | 1,045.1939% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 3,589 |
| Noncurrent loans to loans | 0.1589% | 3,329 |
| Net loans and leases to total assets | 47.6920% | 3,655 |
| Net loans and leases to deposits | 53.2175% | 3,799 |
| Net loans and leases to core deposits | 55.1374% | 3,847 |
| Total domestic deposits to total assets | 89.6171% | 956 |
| Equity capital to assets | 9.7751% | 3,129 |
| Core capital (leverage) ratio | 9.4234% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3187% | 1,283 |
| Memoranda: |
| Average total assets | $729,496,500 | 1,263 |
| Average earning assets | $707,599,500 | 1,221 |
| Average equity | $72,932,250 | 1,322 |
| Average total loans | $361,933,750 | 1,512 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5284% | 2,817 |
| Cost of funding earning assets | 0.1677% | 4,061 |
| Net interest margin | 3.3607% | 2,271 |
| Noninterest income to average assets | 0.7769% | 1,592 |
| Noninterest expense to average assets | 2.7625% | 1,435 |
| Loan and lease loss provision to assets | 0.0209% | 2,551 |
| Net operating income to assets | 1.2504% | 2,022 |
| Return on assets (ROA) | 1.2504% | 2,086 |
| Pretax return on assets | 1.2504% | 2,764 |
| Return on Equity (ROE) | 12.4086% | 1,908 |
| Retained earnings to average equity (ytd only) | 9.6376% | 1,512 |
| Net charge-offs to loans | -0.0207% | 4,008 |
| Credit loss provision to net charge-offs | -202.7027% | 3,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4826% | 1,821 |
| Assets per employee ($millions) | 6.6122% | 2,087 |
| Cash dividends to net income (ytd only)* | 22.3314% | 2,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6471% | 1,178 |
| Loan loss allowance to noncurrent loans | 1,477.8049% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,871 |
| Noncurrent loans to loans | 0.1115% | 3,634 |
| Net loans and leases to total assets | 47.9982% | 3,724 |
| Net loans and leases to deposits | 53.4919% | 3,891 |
| Net loans and leases to core deposits | 55.3608% | 3,941 |
| Total domestic deposits to total assets | 89.7298% | 906 |
| Equity capital to assets | 9.6839% | 3,168 |
| Core capital (leverage) ratio | 9.3824% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6371% | 1,203 |
| Memoranda: |
| Average total assets | $716,224,667 | 1,277 |
| Average earning assets | $694,147,667 | 1,231 |
| Average equity | $72,176,000 | 1,323 |
| Average total loans | $358,212,333 | 1,529 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4992% | 2,927 |
| Cost of funding earning assets | 0.1770% | 4,105 |
| Net interest margin | 3.3222% | 2,324 |
| Noninterest income to average assets | 0.9532% | 1,212 |
| Noninterest expense to average assets | 2.6422% | 1,765 |
| Loan and lease loss provision to assets | 0.0287% | 2,410 |
| Net operating income to assets | 1.5015% | 1,327 |
| Return on assets (ROA) | 1.5015% | 1,388 |
| Pretax return on assets | 1.5015% | 1,990 |
| Return on Equity (ROE) | 14.5919% | 1,303 |
| Retained earnings to average equity (ytd only) | 14.5919% | 674 |
| Net charge-offs to loans | -0.0407% | 4,313 |
| Credit loss provision to net charge-offs | -138.8889% | 2,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3265% | 2,558 |
| Assets per employee ($millions) | 6.2240% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6670% | 1,122 |
| Loan loss allowance to noncurrent loans | 1,370.9091% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,937 |
| Noncurrent loans to loans | 0.1216% | 3,704 |
| Net loans and leases to total assets | 49.7125% | 3,654 |
| Net loans and leases to deposits | 55.7664% | 3,809 |
| Net loans and leases to core deposits | 57.8376% | 3,847 |
| Total domestic deposits to total assets | 89.1441% | 1,271 |
| Equity capital to assets | 10.1133% | 2,600 |
| Core capital (leverage) ratio | 9.9180% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5813% | 985 |
| Memoranda: |
| Average total assets | $697,444,000 | 1,285 |
| Average earning assets | $675,807,500 | 1,248 |
| Average equity | $71,766,000 | 1,322 |
| Average total loans | $353,387,000 | 1,551 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8932% | 3,045 |
| Cost of funding earning assets | 0.2853% | 4,221 |
| Net interest margin | 3.6079% | 2,118 |
| Noninterest income to average assets | 0.7705% | 1,625 |
| Noninterest expense to average assets | 2.9980% | 1,444 |
| Loan and lease loss provision to assets | 0.1331% | 2,696 |
| Net operating income to assets | 1.1143% | 1,866 |
| Return on assets (ROA) | 1.1151% | 1,979 |
| Pretax return on assets | 1.1151% | 2,631 |
| Return on Equity (ROE) | 10.3533% | 1,863 |
| Retained earnings to average equity (ytd only) | 7.0475% | 1,381 |
| Net charge-offs to loans | -0.0121% | 4,306 |
| Credit loss provision to net charge-offs | -2,012.1951% | 4,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6175% | 1,870 |
| Assets per employee ($millions) | 5.8546% | 2,494 |
| Cash dividends to net income (ytd only)* | 31.9300% | 2,754 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7239% | 985 |
| Loan loss allowance to noncurrent loans | 1,270.5128% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,000 |
| Noncurrent loans to loans | 0.1357% | 3,740 |
| Net loans and leases to total assets | 49.9131% | 3,832 |
| Net loans and leases to deposits | 56.1393% | 3,985 |
| Net loans and leases to core deposits | 58.3412% | 4,032 |
| Total domestic deposits to total assets | 88.9095% | 1,022 |
| Equity capital to assets | 10.4759% | 2,696 |
| Core capital (leverage) ratio | 10.0392% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8077% | 928 |
| Memoranda: |
| Average total assets | $619,854,400 | 1,296 |
| Average earning assets | $596,992,600 | 1,270 |
| Average equity | $66,761,400 | 1,350 |
| Average total loans | $337,929,800 | 1,547 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9767% | 3,040 |
| Cost of funding earning assets | 0.3192% | 4,221 |
| Net interest margin | 3.6574% | 2,077 |
| Noninterest income to average assets | 0.8132% | 1,442 |
| Noninterest expense to average assets | 3.0475% | 1,342 |
| Loan and lease loss provision to assets | 0.1157% | 2,875 |
| Net operating income to assets | 1.1673% | 1,756 |
| Return on assets (ROA) | 1.1684% | 1,871 |
| Pretax return on assets | 1.1684% | 2,495 |
| Return on Equity (ROE) | 10.7654% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.2842% | 1,982 |
| Net charge-offs to loans | -0.0278% | 4,501 |
| Credit loss provision to net charge-offs | -750.0000% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3730% | 1,832 |
| Assets per employee ($millions) | 5.6245% | 2,606 |
| Cash dividends to net income (ytd only)* | 41.6258% | 1,862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6001% | 1,104 |
| Loan loss allowance to noncurrent loans | 1,037.4771% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,017 |
| Noncurrent loans to loans | 0.1542% | 3,768 |
| Net loans and leases to total assets | 53.4879% | 3,848 |
| Net loans and leases to deposits | 60.3278% | 4,041 |
| Net loans and leases to core deposits | 62.3060% | 4,087 |
| Total domestic deposits to total assets | 88.6621% | 912 |
| Equity capital to assets | 10.6813% | 2,640 |
| Core capital (leverage) ratio | 9.8880% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9278% | 924 |
| Memoranda: |
| Average total assets | $605,036,000 | 1,304 |
| Average earning assets | $581,848,250 | 1,274 |
| Average equity | $65,665,500 | 1,351 |
| Average total loans | $336,182,250 | 1,545 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0009% | 3,320 |
| Cost of funding earning assets | 0.3734% | 4,152 |
| Net interest margin | 3.6275% | 2,391 |
| Noninterest income to average assets | 0.9209% | 1,121 |
| Noninterest expense to average assets | 3.0599% | 1,442 |
| Loan and lease loss provision to assets | 0.0424% | 3,750 |
| Net operating income to assets | 1.3010% | 1,356 |
| Return on assets (ROA) | 1.3027% | 1,459 |
| Pretax return on assets | 1.3027% | 2,019 |
| Return on Equity (ROE) | 11.9333% | 1,347 |
| Retained earnings to average equity (ytd only) | 6.5947% | 1,829 |
| Net charge-offs to loans | -0.0654% | 4,749 |
| Credit loss provision to net charge-offs | -115.7407% | 3,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4905% | 2,020 |
| Assets per employee ($millions) | 5.9405% | 2,237 |
| Cash dividends to net income (ytd only)* | 44.7368% | 1,744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5037% | 1,253 |
| Loan loss allowance to noncurrent loans | 894.4444% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,088 |
| Noncurrent loans to loans | 0.1681% | 3,781 |
| Net loans and leases to total assets | 51.8432% | 4,037 |
| Net loans and leases to deposits | 63.4270% | 3,926 |
| Net loans and leases to core deposits | 65.6145% | 3,985 |
| Total domestic deposits to total assets | 81.7368% | 3,442 |
| Equity capital to assets | 10.2050% | 3,013 |
| Core capital (leverage) ratio | 9.8882% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3644% | 998 |
| Memoranda: |
| Average total assets | $589,232,333 | 1,313 |
| Average earning assets | $565,675,000 | 1,279 |
| Average equity | $64,324,000 | 1,359 |
| Average total loans | $330,024,667 | 1,555 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3200% | 2,858 |
| Cost of funding earning assets | 0.4754% | 4,047 |
| Net interest margin | 3.8447% | 1,834 |
| Noninterest income to average assets | 1.3856% | 459 |
| Noninterest expense to average assets | 3.3068% | 1,213 |
| Loan and lease loss provision to assets | 0.0365% | 3,315 |
| Net operating income to assets | 1.7307% | 478 |
| Return on assets (ROA) | 1.7344% | 526 |
| Pretax return on assets | 1.7344% | 810 |
| Return on Equity (ROE) | 15.2778% | 517 |
| Retained earnings to average equity (ytd only) | 11.4921% | 483 |
| Net charge-offs to loans | -0.1106% | 4,839 |
| Credit loss provision to net charge-offs | -56.8182% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1711% | 3,065 |
| Assets per employee ($millions) | 4.7628% | 2,916 |
| Cash dividends to net income (ytd only)* | 24.7791% | 2,255 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6174% | 1,028 |
| Loan loss allowance to noncurrent loans | 874.0369% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 4,066 |
| Noncurrent loans to loans | 0.1850% | 3,811 |
| Net loans and leases to total assets | 58.4581% | 3,635 |
| Net loans and leases to deposits | 66.2126% | 3,852 |
| Net loans and leases to core deposits | 68.3882% | 3,966 |
| Total domestic deposits to total assets | 88.2885% | 980 |
| Equity capital to assets | 11.1802% | 2,701 |
| Core capital (leverage) ratio | 11.4230% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4893% | 1,071 |
| Memoranda: |
| Average total assets | $548,209,500 | 1,360 |
| Average earning assets | $525,920,000 | 1,319 |
| Average equity | $62,234,000 | 1,385 |
| Average total loans | $318,374,500 | 1,568 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4833% | 3,001 |
| Cost of funding earning assets | 0.5759% | 3,739 |
| Net interest margin | 3.9074% | 2,152 |
| Noninterest income to average assets | 0.8134% | 1,417 |
| Noninterest expense to average assets | 3.3402% | 1,227 |
| Loan and lease loss provision to assets | 0.0228% | 3,561 |
| Net operating income to assets | 1.2008% | 2,056 |
| Return on assets (ROA) | 1.1982% | 2,162 |
| Pretax return on assets | 1.1982% | 2,851 |
| Return on Equity (ROE) | 11.0173% | 1,881 |
| Retained earnings to average equity (ytd only) | 9.1265% | 679 |
| Net charge-offs to loans | 0.0536% | 2,336 |
| Credit loss provision to net charge-offs | 74.8503% | 2,856 |
| Earnings coverage of net charge-offs (x) | 40.0838% | 1,315 |
| Efficiency ratio | 73.1886% | 1,704 |
| Assets per employee ($millions) | 4.7712% | 2,867 |
| Cash dividends to net income (ytd only)* | 17.1625% | 3,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6172% | 943 |
| Loan loss allowance to noncurrent loans | 832.7869% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 4,079 |
| Noncurrent loans to loans | 0.1942% | 3,761 |
| Net loans and leases to total assets | 55.8392% | 3,932 |
| Net loans and leases to deposits | 63.5499% | 4,103 |
| Net loans and leases to core deposits | 65.5645% | 4,209 |
| Total domestic deposits to total assets | 87.8667% | 1,187 |
| Equity capital to assets | 11.5210% | 2,513 |
| Core capital (leverage) ratio | 11.2152% | 2,321 |
| Tier 1 risk-based capital ratio | 17.1446% | 2,011 |
| Total risk-based capital ratio | 18.3965% | 1,943 |
| Memoranda: |
| Average total assets | $547,061,800 | 1,311 |
| Average earning assets | $525,085,000 | 1,281 |
| Average equity | $59,497,200 | 1,383 |
| Average total loans | $311,626,800 | 1,555 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4870% | 3,099 |
| Cost of funding earning assets | 0.6067% | 3,661 |
| Net interest margin | 3.8803% | 2,329 |
| Noninterest income to average assets | 0.8171% | 1,369 |
| Noninterest expense to average assets | 3.3700% | 1,138 |
| Loan and lease loss provision to assets | 0.0306% | 3,291 |
| Net operating income to assets | 1.1422% | 2,403 |
| Return on assets (ROA) | 1.1388% | 2,505 |
| Pretax return on assets | 1.1388% | 3,174 |
| Return on Equity (ROE) | 10.6312% | 2,161 |
| Retained earnings to average equity (ytd only) | 8.0641% | 1,364 |
| Net charge-offs to loans | 0.0266% | 2,561 |
| Credit loss provision to net charge-offs | 201.6129% | 1,299 |
| Earnings coverage of net charge-offs (x) | 77.3914% | 877 |
| Efficiency ratio | 74.1835% | 1,536 |
| Assets per employee ($millions) | 4.6436% | 2,980 |
| Cash dividends to net income (ytd only)* | 24.1468% | 2,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6072% | 985 |
| Loan loss allowance to noncurrent loans | 817.8233% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 4,134 |
| Noncurrent loans to loans | 0.1965% | 3,832 |
| Net loans and leases to total assets | 58.4236% | 3,834 |
| Net loans and leases to deposits | 66.5150% | 4,025 |
| Net loans and leases to core deposits | 68.7675% | 4,121 |
| Total domestic deposits to total assets | 87.8352% | 1,113 |
| Equity capital to assets | 11.3166% | 2,824 |
| Core capital (leverage) ratio | 10.9239% | 2,716 |
| Tier 1 risk-based capital ratio | 16.5679% | 2,240 |
| Total risk-based capital ratio | 17.8203% | 2,165 |
| Memoranda: |
| Average total assets | $545,462,500 | 1,322 |
| Average earning assets | $523,724,000 | 1,286 |
| Average equity | $58,430,500 | 1,399 |
| Average total loans | $311,001,750 | 1,570 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4523% | 3,176 |
| Cost of funding earning assets | 0.6209% | 3,545 |
| Net interest margin | 3.8314% | 2,474 |
| Noninterest income to average assets | 0.8184% | 1,289 |
| Noninterest expense to average assets | 3.3542% | 1,186 |
| Loan and lease loss provision to assets | 0.0275% | 3,271 |
| Net operating income to assets | 1.1179% | 2,452 |
| Return on assets (ROA) | 1.1128% | 2,547 |
| Pretax return on assets | 1.1128% | 3,197 |
| Return on Equity (ROE) | 10.5865% | 2,143 |
| Retained earnings to average equity (ytd only) | 7.7126% | 1,516 |
| Net charge-offs to loans | 0.0352% | 2,163 |
| Credit loss provision to net charge-offs | 138.8889% | 1,576 |
| Earnings coverage of net charge-offs (x) | 57.9259% | 1,000 |
| Efficiency ratio | 74.5443% | 1,578 |
| Assets per employee ($millions) | 4.3189% | 3,410 |
| Cash dividends to net income (ytd only)* | 27.1471% | 2,748 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6539% | 909 |
| Loan loss allowance to noncurrent loans | 6,948.6486% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,729 |
| Noncurrent loans to loans | 0.0238% | 4,605 |
| Net loans and leases to total assets | 56.1857% | 4,065 |
| Net loans and leases to deposits | 63.6178% | 4,247 |
| Net loans and leases to core deposits | 65.5945% | 4,333 |
| Total domestic deposits to total assets | 88.3176% | 958 |
| Equity capital to assets | 10.9780% | 3,090 |
| Core capital (leverage) ratio | 10.6281% | 2,954 |
| Tier 1 risk-based capital ratio | 16.5909% | 2,205 |
| Total risk-based capital ratio | 17.8436% | 2,155 |
| Memoranda: |
| Average total assets | $546,181,330 | 1,319 |
| Average earning assets | $524,762,670 | 1,285 |
| Average equity | $57,412,670 | 1,409 |
| Average total loans | $307,134,330 | 1,587 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4050% | 3,207 |
| Cost of funding earning assets | 0.6179% | 3,473 |
| Net interest margin | 3.7872% | 2,576 |
| Noninterest income to average assets | 0.8260% | 1,224 |
| Noninterest expense to average assets | 3.2728% | 1,344 |
| Loan and lease loss provision to assets | 0.0366% | 2,886 |
| Net operating income to assets | 1.1550% | 2,243 |
| Return on assets (ROA) | 1.1440% | 2,343 |
| Pretax return on assets | 1.1440% | 2,996 |
| Return on Equity (ROE) | 11.1291% | 1,899 |
| Retained earnings to average equity (ytd only) | 11.1291% | 773 |
| Net charge-offs to loans | 0.0275% | 1,906 |
| Credit loss provision to net charge-offs | 238.0952% | 954 |
| Earnings coverage of net charge-offs (x) | 77.6190% | 782 |
| Efficiency ratio | 73.3093% | 1,841 |
| Assets per employee ($millions) | 4.5740% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6857% | 884 |
| Loan loss allowance to noncurrent loans | 6,206.0241% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,789 |
| Noncurrent loans to loans | 0.0272% | 4,662 |
| Net loans and leases to total assets | 54.7341% | 4,155 |
| Net loans and leases to deposits | 61.5416% | 4,331 |
| Net loans and leases to core deposits | 63.0989% | 4,423 |
| Total domestic deposits to total assets | 88.9383% | 884 |
| Equity capital to assets | 10.5115% | 3,332 |
| Core capital (leverage) ratio | 10.4954% | 3,054 |
| Tier 1 risk-based capital ratio | 16.8345% | 2,162 |
| Total risk-based capital ratio | 18.0877% | 2,109 |
| Memoranda: |
| Average total assets | $547,182,500 | 1,320 |
| Average earning assets | $525,672,000 | 1,287 |
| Average equity | $56,249,000 | 1,427 |
| Average total loans | $305,255,000 | 1,607 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3938% | 2,784 |
| Cost of funding earning assets | 0.4372% | 3,757 |
| Net interest margin | 3.9566% | 2,138 |
| Noninterest income to average assets | 0.8826% | 1,221 |
| Noninterest expense to average assets | 3.3820% | 1,181 |
| Loan and lease loss provision to assets | 0.0572% | 3,021 |
| Net operating income to assets | 1.2340% | 2,031 |
| Return on assets (ROA) | 1.2275% | 2,052 |
| Pretax return on assets | 1.2275% | 2,786 |
| Return on Equity (ROE) | 12.3515% | 1,597 |
| Retained earnings to average equity (ytd only) | 9.0612% | 838 |
| Net charge-offs to loans | 0.0088% | 3,374 |
| Credit loss provision to net charge-offs | 1,153.8462% | 343 |
| Earnings coverage of net charge-offs (x) | 260.4615% | 366 |
| Efficiency ratio | 72.3705% | 1,853 |
| Assets per employee ($millions) | 4.5081% | 3,153 |
| Cash dividends to net income (ytd only)* | 26.6387% | 3,188 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6797% | 867 |
| Loan loss allowance to noncurrent loans | 3,684.8921% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 4,740 |
| Noncurrent loans to loans | 0.0456% | 4,540 |
| Net loans and leases to total assets | 54.9626% | 4,214 |
| Net loans and leases to deposits | 61.5661% | 4,402 |
| Net loans and leases to core deposits | 62.8963% | 4,499 |
| Total domestic deposits to total assets | 89.2741% | 748 |
| Equity capital to assets | 10.0465% | 3,637 |
| Core capital (leverage) ratio | 10.4746% | 3,056 |
| Tier 1 risk-based capital ratio | 16.3122% | 2,303 |
| Total risk-based capital ratio | 17.5653% | 2,245 |
| Memoranda: |
| Average total assets | $524,482,800 | 1,339 |
| Average earning assets | $502,480,400 | 1,306 |
| Average equity | $52,123,400 | 1,460 |
| Average total loans | $294,724,600 | 1,615 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3783% | 2,695 |
| Cost of funding earning assets | 0.4176% | 3,740 |
| Net interest margin | 3.9607% | 2,089 |
| Noninterest income to average assets | 0.8933% | 1,220 |
| Noninterest expense to average assets | 3.4291% | 1,075 |
| Loan and lease loss provision to assets | 0.0770% | 2,420 |
| Net operating income to assets | 1.1812% | 2,313 |
| Return on assets (ROA) | 1.1725% | 2,358 |
| Pretax return on assets | 1.1725% | 3,110 |
| Return on Equity (ROE) | 11.8317% | 1,858 |
| Retained earnings to average equity (ytd only) | 7.3877% | 1,934 |
| Net charge-offs to loans | 0.0073% | 3,162 |
| Credit loss provision to net charge-offs | 1,875.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 306.2902% | 306 |
| Efficiency ratio | 73.1566% | 1,711 |
| Assets per employee ($millions) | 4.4758% | 3,158 |
| Cash dividends to net income (ytd only)* | 37.5602% | 2,183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7100% | 852 |
| Loan loss allowance to noncurrent loans | 5,766.2921% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,913 |
| Noncurrent loans to loans | 0.0297% | 4,759 |
| Net loans and leases to total assets | 55.3837% | 4,267 |
| Net loans and leases to deposits | 61.8579% | 4,448 |
| Net loans and leases to core deposits | 63.2562% | 4,560 |
| Total domestic deposits to total assets | 89.5337% | 665 |
| Equity capital to assets | 9.7506% | 3,872 |
| Core capital (leverage) ratio | 10.2079% | 3,398 |
| Tier 1 risk-based capital ratio | 16.0012% | 2,451 |
| Total risk-based capital ratio | 17.2545% | 2,384 |
| Memoranda: |
| Average total assets | $519,233,000 | 1,359 |
| Average earning assets | $497,378,000 | 1,317 |
| Average equity | $51,453,750 | 1,475 |
| Average total loans | $292,172,500 | 1,634 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3310% | 2,662 |
| Cost of funding earning assets | 0.3916% | 3,790 |
| Net interest margin | 3.9394% | 2,072 |
| Noninterest income to average assets | 0.9220% | 1,125 |
| Noninterest expense to average assets | 3.4551% | 1,063 |
| Loan and lease loss provision to assets | 0.1166% | 1,702 |
| Net operating income to assets | 1.1217% | 2,508 |
| Return on assets (ROA) | 1.1209% | 2,513 |
| Pretax return on assets | 1.1209% | 3,229 |
| Return on Equity (ROE) | 11.2489% | 2,014 |
| Retained earnings to average equity (ytd only) | 6.5115% | 2,307 |
| Net charge-offs to loans | 0.0055% | 2,958 |
| Credit loss provision to net charge-offs | 3,750.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 398.3750% | 233 |
| Efficiency ratio | 73.6175% | 1,770 |
| Assets per employee ($millions) | 4.2776% | 3,459 |
| Cash dividends to net income (ytd only)* | 42.1144% | 2,025 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7830% | 776 |
| Loan loss allowance to noncurrent loans | 5,354.1667% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,941 |
| Noncurrent loans to loans | 0.0333% | 4,769 |
| Net loans and leases to total assets | 53.8140% | 4,354 |
| Net loans and leases to deposits | 60.2449% | 4,518 |
| Net loans and leases to core deposits | 61.6475% | 4,618 |
| Total domestic deposits to total assets | 89.3254% | 803 |
| Equity capital to assets | 9.7853% | 3,833 |
| Core capital (leverage) ratio | 9.8997% | 3,681 |
| Tier 1 risk-based capital ratio | 16.1891% | 2,374 |
| Total risk-based capital ratio | 17.4431% | 2,314 |
| Memoranda: |
| Average total assets | $514,772,330 | 1,374 |
| Average earning assets | $492,822,330 | 1,331 |
| Average equity | $51,294,000 | 1,481 |
| Average total loans | $289,525,330 | 1,647 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2792% | 2,601 |
| Cost of funding earning assets | 0.3251% | 4,167 |
| Net interest margin | 3.9541% | 1,863 |
| Noninterest income to average assets | 0.8769% | 1,214 |
| Noninterest expense to average assets | 3.4737% | 1,048 |
| Loan and lease loss provision to assets | 0.1179% | 1,599 |
| Net operating income to assets | 1.0694% | 2,566 |
| Return on assets (ROA) | 1.0678% | 2,584 |
| Pretax return on assets | 1.0678% | 3,290 |
| Return on Equity (ROE) | 10.6175% | 2,122 |
| Retained earnings to average equity (ytd only) | 7.6487% | 1,971 |
| Net charge-offs to loans | 0.0276% | 1,946 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 75.5500% | 734 |
| Efficiency ratio | 74.5280% | 1,816 |
| Assets per employee ($millions) | 4.3841% | 3,344 |
| Cash dividends to net income (ytd only)* | 27.9617% | 2,211 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7030% | 936 |
| Loan loss allowance to noncurrent loans | 6,070.7317% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 5,047 |
| Noncurrent loans to loans | 0.0281% | 4,854 |
| Net loans and leases to total assets | 54.1634% | 4,269 |
| Net loans and leases to deposits | 60.4038% | 4,445 |
| Net loans and leases to core deposits | 61.8251% | 4,561 |
| Total domestic deposits to total assets | 89.6688% | 797 |
| Equity capital to assets | 9.5915% | 4,007 |
| Core capital (leverage) ratio | 10.3922% | 3,070 |
| Tier 1 risk-based capital ratio | 15.7364% | 2,579 |
| Total risk-based capital ratio | 16.9894% | 2,528 |
| Memoranda: |
| Average total assets | $509,086,500 | 1,402 |
| Average earning assets | $487,189,500 | 1,360 |
| Average equity | $51,198,500 | 1,499 |
| Average total loans | $290,148,500 | 1,654 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2428% | 2,524 |
| Cost of funding earning assets | 0.2645% | 4,442 |
| Net interest margin | 3.9784% | 1,817 |
| Noninterest income to average assets | 0.9547% | 1,125 |
| Noninterest expense to average assets | 3.3754% | 1,239 |
| Loan and lease loss provision to assets | 0.1230% | 1,860 |
| Net operating income to assets | 1.2414% | 1,386 |
| Return on assets (ROA) | 1.2414% | 1,402 |
| Pretax return on assets | 1.2414% | 2,590 |
| Return on Equity (ROE) | 12.2079% | 1,152 |
| Retained earnings to average equity (ytd only) | 9.3404% | 449 |
| Net charge-offs to loans | 0.0289% | 3,231 |
| Credit loss provision to net charge-offs | 750.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 83.1750% | 745 |
| Efficiency ratio | 71.2135% | 2,353 |
| Assets per employee ($millions) | 3.9975% | 3,964 |
| Cash dividends to net income (ytd only)* | 23.4886% | 3,551 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6834% | 972 |
| Loan loss allowance to noncurrent loans | 5,509.0909% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 5,070 |
| Noncurrent loans to loans | 0.0306% | 4,873 |
| Net loans and leases to total assets | 58.0581% | 3,999 |
| Net loans and leases to deposits | 65.4471% | 4,230 |
| Net loans and leases to core deposits | 67.2289% | 4,345 |
| Total domestic deposits to total assets | 88.7099% | 1,141 |
| Equity capital to assets | 10.5632% | 3,093 |
| Core capital (leverage) ratio | 10.4762% | 2,863 |
| Tier 1 risk-based capital ratio | 15.8981% | 2,468 |
| Total risk-based capital ratio | 17.1515% | 2,412 |
| Memoranda: |
| Average total assets | $487,676,400 | 1,437 |
| Average earning assets | $463,981,600 | 1,403 |
| Average equity | $49,591,000 | 1,527 |
| Average total loans | $276,606,800 | 1,677 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1883% | 2,655 |
| Cost of funding earning assets | 0.2682% | 4,424 |
| Net interest margin | 3.9201% | 1,968 |
| Noninterest income to average assets | 0.9785% | 1,068 |
| Noninterest expense to average assets | 3.3355% | 1,271 |
| Loan and lease loss provision to assets | 0.1230% | 1,760 |
| Net operating income to assets | 1.2478% | 1,517 |
| Return on assets (ROA) | 1.2478% | 1,542 |
| Pretax return on assets | 1.2478% | 2,723 |
| Return on Equity (ROE) | 12.3910% | 1,218 |
| Retained earnings to average equity (ytd only) | 8.5303% | 999 |
| Net charge-offs to loans | 0.0258% | 2,926 |
| Credit loss provision to net charge-offs | 849.0566% | 415 |
| Earnings coverage of net charge-offs (x) | 94.6104% | 717 |
| Efficiency ratio | 70.8725% | 2,383 |
| Assets per employee ($millions) | 4.0835% | 3,851 |
| Cash dividends to net income (ytd only)* | 31.1568% | 2,701 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6711% | 1,091 |
| Loan loss allowance to noncurrent loans | 2,812.5000% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 5,058 |
| Noncurrent loans to loans | 0.0594% | 4,848 |
| Net loans and leases to total assets | 57.2147% | 4,136 |
| Net loans and leases to deposits | 64.9084% | 4,325 |
| Net loans and leases to core deposits | 66.8537% | 4,430 |
| Total domestic deposits to total assets | 88.1468% | 1,282 |
| Equity capital to assets | 10.6011% | 3,259 |
| Core capital (leverage) ratio | 10.3593% | 3,127 |
| Tier 1 risk-based capital ratio | 15.7269% | 2,614 |
| Total risk-based capital ratio | 16.9800% | 2,550 |
| Memoranda: |
| Average total assets | $487,672,750 | 1,446 |
| Average earning assets | $463,756,250 | 1,415 |
| Average equity | $49,109,750 | 1,551 |
| Average total loans | $273,760,500 | 1,701 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1070% | 2,805 |
| Cost of funding earning assets | 0.2677% | 4,392 |
| Net interest margin | 3.8393% | 2,134 |
| Noninterest income to average assets | 1.0159% | 983 |
| Noninterest expense to average assets | 3.2573% | 1,452 |
| Loan and lease loss provision to assets | 0.1229% | 1,684 |
| Net operating income to assets | 1.2838% | 1,343 |
| Return on assets (ROA) | 1.2838% | 1,370 |
| Pretax return on assets | 1.2838% | 2,449 |
| Return on Equity (ROE) | 12.9751% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.7025% | 938 |
| Net charge-offs to loans | 0.0421% | 2,351 |
| Credit loss provision to net charge-offs | 526.3158% | 637 |
| Earnings coverage of net charge-offs (x) | 60.2456% | 947 |
| Efficiency ratio | 69.8402% | 2,696 |
| Assets per employee ($millions) | 4.2582% | 3,507 |
| Cash dividends to net income (ytd only)* | 32.9292% | 2,670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6617% | 1,124 |
| Loan loss allowance to noncurrent loans | 2,380.7292% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 5,100 |
| Noncurrent loans to loans | 0.0698% | 4,850 |
| Net loans and leases to total assets | 53.3836% | 4,447 |
| Net loans and leases to deposits | 59.9697% | 4,631 |
| Net loans and leases to core deposits | 61.6744% | 4,734 |
| Total domestic deposits to total assets | 89.0176% | 942 |
| Equity capital to assets | 10.0117% | 3,894 |
| Core capital (leverage) ratio | 9.8062% | 3,769 |
| Tier 1 risk-based capital ratio | 15.4148% | 2,737 |
| Total risk-based capital ratio | 16.6674% | 2,676 |
| Memoranda: |
| Average total assets | $488,251,000 | 1,450 |
| Average earning assets | $463,940,330 | 1,415 |
| Average equity | $48,308,000 | 1,581 |
| Average total loans | $270,763,000 | 1,716 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1793% | 2,342 |
| Cost of funding earning assets | 0.2658% | 4,399 |
| Net interest margin | 3.9135% | 1,734 |
| Noninterest income to average assets | 1.0772% | 866 |
| Noninterest expense to average assets | 3.2801% | 1,426 |
| Loan and lease loss provision to assets | 0.1253% | 1,534 |
| Net operating income to assets | 1.3728% | 1,052 |
| Return on assets (ROA) | 1.3728% | 1,089 |
| Pretax return on assets | 1.3728% | 1,977 |
| Return on Equity (ROE) | 13.9630% | 816 |
| Retained earnings to average equity (ytd only) | 11.1432% | 583 |
| Net charge-offs to loans | 0.1013% | 1,361 |
| Credit loss provision to net charge-offs | 220.5882% | 952 |
| Earnings coverage of net charge-offs (x) | 26.3824% | 1,306 |
| Efficiency ratio | 68.6473% | 3,104 |
| Assets per employee ($millions) | 4.3068% | 3,496 |
| Cash dividends to net income (ytd only)* | 20.1946% | 2,530 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6403% | 1,274 |
| Loan loss allowance to noncurrent loans | 3,769.2308% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 4,821 |
| Noncurrent loans to loans | 0.0435% | 5,020 |
| Net loans and leases to total assets | 53.8620% | 4,345 |
| Net loans and leases to deposits | 60.2308% | 4,548 |
| Net loans and leases to core deposits | 61.9896% | 4,661 |
| Total domestic deposits to total assets | 89.4260% | 932 |
| Equity capital to assets | 9.8072% | 3,968 |
| Core capital (leverage) ratio | 9.9530% | 3,564 |
| Tier 1 risk-based capital ratio | 16.0893% | 2,510 |
| Total risk-based capital ratio | 17.3421% | 2,462 |
| Memoranda: |
| Average total assets | $479,013,000 | 1,476 |
| Average earning assets | $452,999,500 | 1,447 |
| Average equity | $47,096,000 | 1,611 |
| Average total loans | $268,604,500 | 1,733 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8759% | 3,662 |
| Cost of funding earning assets | 0.2299% | 4,739 |
| Net interest margin | 3.6460% | 2,904 |
| Noninterest income to average assets | 1.0094% | 1,119 |
| Noninterest expense to average assets | 3.3029% | 1,569 |
| Loan and lease loss provision to assets | 0.0680% | 3,012 |
| Net operating income to assets | 1.0649% | 2,064 |
| Return on assets (ROA) | 1.0662% | 2,161 |
| Pretax return on assets | 1.0662% | 3,233 |
| Return on Equity (ROE) | 10.4764% | 1,771 |
| Retained earnings to average equity (ytd only) | 7.2996% | 1,114 |
| Net charge-offs to loans | 0.0574% | 2,900 |
| Credit loss provision to net charge-offs | 226.6187% | 1,265 |
| Earnings coverage of net charge-offs (x) | 37.7626% | 1,225 |
| Efficiency ratio | 74.4611% | 2,231 |
| Assets per employee ($millions) | 4.0969% | 3,793 |
| Cash dividends to net income (ytd only)* | 30.3239% | 3,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6128% | 1,340 |
| Loan loss allowance to noncurrent loans | 255.9432% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 3,445 |
| Noncurrent loans to loans | 0.6301% | 2,960 |
| Net loans and leases to total assets | 56.5296% | 4,215 |
| Net loans and leases to deposits | 63.2640% | 4,456 |
| Net loans and leases to core deposits | 65.3579% | 4,559 |
| Total domestic deposits to total assets | 89.3551% | 924 |
| Equity capital to assets | 9.8579% | 3,870 |
| Core capital (leverage) ratio | 10.1787% | 3,255 |
| Tier 1 risk-based capital ratio | 16.0234% | 2,536 |
| Total risk-based capital ratio | 17.2763% | 2,474 |
| Memoranda: |
| Average total assets | $463,347,200 | 1,473 |
| Average earning assets | $435,439,200 | 1,456 |
| Average equity | $47,153,400 | 1,602 |
| Average total loans | $242,197,400 | 1,833 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8333% | 3,826 |
| Cost of funding earning assets | 0.2311% | 4,782 |
| Net interest margin | 3.6022% | 3,067 |
| Noninterest income to average assets | 1.0305% | 1,077 |
| Noninterest expense to average assets | 3.3074% | 1,548 |
| Loan and lease loss provision to assets | 0.0577% | 3,091 |
| Net operating income to assets | 1.0452% | 2,219 |
| Return on assets (ROA) | 1.0469% | 2,341 |
| Pretax return on assets | 1.0469% | 3,442 |
| Return on Equity (ROE) | 10.2067% | 1,970 |
| Retained earnings to average equity (ytd only) | 6.1673% | 2,080 |
| Net charge-offs to loans | 0.0634% | 2,446 |
| Credit loss provision to net charge-offs | 178.5714% | 1,568 |
| Earnings coverage of net charge-offs (x) | 34.1517% | 1,368 |
| Efficiency ratio | 74.9935% | 2,110 |
| Assets per employee ($millions) | 4.0417% | 3,896 |
| Cash dividends to net income (ytd only)* | 39.5758% | 2,374 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6838% | 1,257 |
| Loan loss allowance to noncurrent loans | 247.8083% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 3,483 |
| Noncurrent loans to loans | 0.6795% | 2,989 |
| Net loans and leases to total assets | 54.2072% | 4,482 |
| Net loans and leases to deposits | 61.4523% | 4,666 |
| Net loans and leases to core deposits | 63.7251% | 4,739 |
| Total domestic deposits to total assets | 88.2102% | 1,293 |
| Equity capital to assets | 10.6302% | 3,428 |
| Core capital (leverage) ratio | 10.0127% | 3,556 |
| Tier 1 risk-based capital ratio | 16.5988% | 2,379 |
| Total risk-based capital ratio | 17.8528% | 2,329 |
| Memoranda: |
| Average total assets | $462,421,750 | 1,479 |
| Average earning assets | $433,874,250 | 1,463 |
| Average equity | $47,431,500 | 1,600 |
| Average total loans | $235,659,500 | 1,871 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8115% | 3,917 |
| Cost of funding earning assets | 0.2332% | 4,819 |
| Net interest margin | 3.5783% | 3,182 |
| Noninterest income to average assets | 0.9058% | 1,359 |
| Noninterest expense to average assets | 3.2133% | 1,781 |
| Loan and lease loss provision to assets | 0.0646% | 2,850 |
| Net operating income to assets | 0.9782% | 2,478 |
| Return on assets (ROA) | 0.9808% | 2,610 |
| Pretax return on assets | 0.9808% | 3,656 |
| Return on Equity (ROE) | 9.6772% | 2,187 |
| Retained earnings to average equity (ytd only) | 5.0362% | 2,718 |
| Net charge-offs to loans | 0.0269% | 2,938 |
| Credit loss provision to net charge-offs | 483.8710% | 675 |
| Earnings coverage of net charge-offs (x) | 78.0968% | 716 |
| Efficiency ratio | 75.4984% | 2,150 |
| Assets per employee ($millions) | 3.9182% | 4,061 |
| Cash dividends to net income (ytd only)* | 47.9578% | 2,067 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7796% | 1,113 |
| Loan loss allowance to noncurrent loans | 328.0338% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 4,258 |
| Noncurrent loans to loans | 0.5425% | 3,443 |
| Net loans and leases to total assets | 51.4204% | 4,724 |
| Net loans and leases to deposits | 58.0461% | 4,898 |
| Net loans and leases to core deposits | 60.1352% | 4,974 |
| Total domestic deposits to total assets | 88.5854% | 1,122 |
| Equity capital to assets | 10.4875% | 3,645 |
| Core capital (leverage) ratio | 9.1892% | 4,612 |
| Tier 1 risk-based capital ratio | 16.9179% | 2,245 |
| Total risk-based capital ratio | 18.1726% | 2,203 |
| Memoranda: |
| Average total assets | $464,326,670 | 1,477 |
| Average earning assets | $434,736,670 | 1,466 |
| Average equity | $47,059,000 | 1,612 |
| Average total loans | $230,276,670 | 1,911 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6868% | 4,370 |
| Cost of funding earning assets | 0.2323% | 4,878 |
| Net interest margin | 3.4545% | 3,647 |
| Noninterest income to average assets | 0.9117% | 1,284 |
| Noninterest expense to average assets | 3.0963% | 2,114 |
| Loan and lease loss provision to assets | 0.0642% | 2,673 |
| Net operating income to assets | 0.9716% | 2,405 |
| Return on assets (ROA) | 0.9767% | 2,499 |
| Pretax return on assets | 0.9767% | 3,564 |
| Return on Equity (ROE) | 9.8046% | 2,072 |
| Retained earnings to average equity (ytd only) | 5.2160% | 2,805 |
| Net charge-offs to loans | 0.0089% | 2,827 |
| Credit loss provision to net charge-offs | 1,500.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 257 |
| Efficiency ratio | 74.9327% | 2,335 |
| Assets per employee ($millions) | 4.3653% | 3,298 |
| Cash dividends to net income (ytd only)* | 46.8011% | 1,861 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8510% | 1,053 |
| Loan loss allowance to noncurrent loans | 381.3911% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 4,519 |
| Noncurrent loans to loans | 0.4853% | 3,726 |
| Net loans and leases to total assets | 47.0494% | 5,044 |
| Net loans and leases to deposits | 52.6960% | 5,184 |
| Net loans and leases to core deposits | 54.3857% | 5,225 |
| Total domestic deposits to total assets | 89.2845% | 958 |
| Equity capital to assets | 9.8798% | 4,242 |
| Core capital (leverage) ratio | 9.1777% | 4,624 |
| Tier 1 risk-based capital ratio | 16.6674% | 2,409 |
| Total risk-based capital ratio | 17.9218% | 2,356 |
| Memoranda: |
| Average total assets | $467,274,500 | 1,466 |
| Average earning assets | $435,608,500 | 1,466 |
| Average equity | $46,549,500 | 1,618 |
| Average total loans | $225,416,000 | 1,945 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8952% | 3,722 |
| Cost of funding earning assets | 0.2406% | 4,885 |
| Net interest margin | 3.6546% | 2,920 |
| Noninterest income to average assets | 1.0861% | 997 |
| Noninterest expense to average assets | 3.2731% | 1,778 |
| Loan and lease loss provision to assets | 0.0745% | 2,778 |
| Net operating income to assets | 1.1242% | 1,820 |
| Return on assets (ROA) | 1.1265% | 1,879 |
| Pretax return on assets | 1.1265% | 2,936 |
| Return on Equity (ROE) | 11.2219% | 1,539 |
| Retained earnings to average equity (ytd only) | 7.6579% | 1,040 |
| Net charge-offs to loans | 0.0451% | 3,312 |
| Credit loss provision to net charge-offs | 342.1053% | 876 |
| Earnings coverage of net charge-offs (x) | 55.0211% | 937 |
| Efficiency ratio | 73.1935% | 2,715 |
| Assets per employee ($millions) | 4.0958% | 3,766 |
| Cash dividends to net income (ytd only)* | 31.7590% | 3,257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8640% | 1,024 |
| Loan loss allowance to noncurrent loans | 1,101.3263% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 4,393 |
| Noncurrent loans to loans | 0.1693% | 4,810 |
| Net loans and leases to total assets | 47.6507% | 5,049 |
| Net loans and leases to deposits | 53.4417% | 5,191 |
| Net loans and leases to core deposits | 55.5745% | 5,223 |
| Total domestic deposits to total assets | 89.1638% | 1,036 |
| Equity capital to assets | 10.0470% | 3,905 |
| Core capital (leverage) ratio | 9.6763% | 3,937 |
| Tier 1 risk-based capital ratio | 16.5784% | 2,438 |
| Total risk-based capital ratio | 17.8326% | 2,392 |
| Memoranda: |
| Average total assets | $436,041,600 | 1,524 |
| Average earning assets | $403,959,400 | 1,518 |
| Average equity | $43,771,600 | 1,682 |
| Average total loans | $210,873,600 | 1,990 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9039% | 3,736 |
| Cost of funding earning assets | 0.2537% | 4,837 |
| Net interest margin | 3.6502% | 2,960 |
| Noninterest income to average assets | 1.1209% | 959 |
| Noninterest expense to average assets | 3.3016% | 1,686 |
| Loan and lease loss provision to assets | 0.0775% | 2,633 |
| Net operating income to assets | 1.1249% | 1,914 |
| Return on assets (ROA) | 1.1280% | 1,977 |
| Pretax return on assets | 1.1280% | 3,108 |
| Return on Equity (ROE) | 11.2394% | 1,612 |
| Retained earnings to average equity (ytd only) | 6.7325% | 1,819 |
| Net charge-offs to loans | 0.0340% | 3,233 |
| Credit loss provision to net charge-offs | 471.6981% | 679 |
| Earnings coverage of net charge-offs (x) | 73.2315% | 790 |
| Efficiency ratio | 73.3044% | 2,667 |
| Assets per employee ($millions) | 4.2038% | 3,510 |
| Cash dividends to net income (ytd only)* | 40.0989% | 2,299 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9024% | 1,069 |
| Loan loss allowance to noncurrent loans | 1,197.3837% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 4,691 |
| Noncurrent loans to loans | 0.1589% | 5,010 |
| Net loans and leases to total assets | 49.5337% | 4,966 |
| Net loans and leases to deposits | 56.0375% | 5,119 |
| Net loans and leases to core deposits | 58.2006% | 5,177 |
| Total domestic deposits to total assets | 88.3939% | 1,346 |
| Equity capital to assets | 10.3419% | 3,766 |
| Core capital (leverage) ratio | 9.7331% | 3,993 |
| Tier 1 risk-based capital ratio | 17.2778% | 2,266 |
| Total risk-based capital ratio | 18.5334% | 2,217 |
| Memoranda: |
| Average total assets | $430,369,000 | 1,560 |
| Average earning assets | $398,872,750 | 1,547 |
| Average equity | $43,192,250 | 1,711 |
| Average total loans | $207,906,750 | 2,017 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8077% | 4,034 |
| Cost of funding earning assets | 0.2649% | 4,774 |
| Net interest margin | 3.5428% | 3,323 |
| Noninterest income to average assets | 1.0843% | 1,018 |
| Noninterest expense to average assets | 3.2839% | 1,749 |
| Loan and lease loss provision to assets | 0.0580% | 2,942 |
| Net operating income to assets | 1.0267% | 2,253 |
| Return on assets (ROA) | 1.0313% | 2,340 |
| Pretax return on assets | 1.0313% | 3,454 |
| Return on Equity (ROE) | 10.3812% | 1,903 |
| Retained earnings to average equity (ytd only) | 5.5691% | 2,492 |
| Net charge-offs to loans | 0.0361% | 2,955 |
| Credit loss provision to net charge-offs | 337.8378% | 857 |
| Earnings coverage of net charge-offs (x) | 63.1622% | 815 |
| Efficiency ratio | 75.1700% | 2,517 |
| Assets per employee ($millions) | 4.0946% | 3,693 |
| Cash dividends to net income (ytd only)* | 46.3546% | 2,093 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8874% | 1,194 |
| Loan loss allowance to noncurrent loans | 519.4301% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 5,016 |
| Noncurrent loans to loans | 0.3634% | 4,407 |
| Net loans and leases to total assets | 48.4857% | 5,054 |
| Net loans and leases to deposits | 54.4740% | 5,225 |
| Net loans and leases to core deposits | 56.4752% | 5,280 |
| Total domestic deposits to total assets | 89.0070% | 1,139 |
| Equity capital to assets | 9.9056% | 4,149 |
| Core capital (leverage) ratio | 9.4130% | 4,401 |
| Tier 1 risk-based capital ratio | 16.9353% | 2,431 |
| Total risk-based capital ratio | 18.1906% | 2,379 |
| Memoranda: |
| Average total assets | $430,895,000 | 1,561 |
| Average earning assets | $399,458,330 | 1,552 |
| Average equity | $42,808,000 | 1,728 |
| Average total loans | $205,037,330 | 2,045 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8255% | 3,907 |
| Cost of funding earning assets | 0.2695% | 4,795 |
| Net interest margin | 3.5560% | 3,199 |
| Noninterest income to average assets | 1.1229% | 894 |
| Noninterest expense to average assets | 3.2593% | 1,821 |
| Loan and lease loss provision to assets | 0.0927% | 2,138 |
| Net operating income to assets | 1.0626% | 1,991 |
| Return on assets (ROA) | 1.0626% | 2,121 |
| Pretax return on assets | 1.0626% | 3,250 |
| Return on Equity (ROE) | 10.6807% | 1,736 |
| Retained earnings to average equity (ytd only) | 7.0459% | 1,994 |
| Net charge-offs to loans | 0.0616% | 2,130 |
| Credit loss provision to net charge-offs | 322.5806% | 774 |
| Earnings coverage of net charge-offs (x) | 40.1935% | 970 |
| Efficiency ratio | 73.8290% | 2,842 |
| Assets per employee ($millions) | 4.1805% | 3,592 |
| Cash dividends to net income (ytd only)* | 34.0314% | 2,225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9747% | 1,130 |
| Loan loss allowance to noncurrent loans | 510.3581% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,099 |
| Noncurrent loans to loans | 0.3869% | 4,433 |
| Net loans and leases to total assets | 45.5677% | 5,230 |
| Net loans and leases to deposits | 51.1625% | 5,379 |
| Net loans and leases to core deposits | 52.9967% | 5,429 |
| Total domestic deposits to total assets | 89.0646% | 1,221 |
| Equity capital to assets | 9.9892% | 4,163 |
| Core capital (leverage) ratio | 9.2407% | 4,662 |
| Tier 1 risk-based capital ratio | 17.4269% | 2,326 |
| Total risk-based capital ratio | 18.6828% | 2,278 |
| Memoranda: |
| Average total assets | $431,378,000 | 1,572 |
| Average earning assets | $399,324,000 | 1,561 |
| Average equity | $42,918,500 | 1,731 |
| Average total loans | $201,324,000 | 2,078 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9570% | 3,889 |
| Cost of funding earning assets | 0.2658% | 5,152 |
| Net interest margin | 3.6912% | 3,039 |
| Noninterest income to average assets | 1.3013% | 720 |
| Noninterest expense to average assets | 3.4204% | 1,658 |
| Loan and lease loss provision to assets | 0.1044% | 2,412 |
| Net operating income to assets | 1.1628% | 1,706 |
| Return on assets (ROA) | 1.1245% | 1,940 |
| Pretax return on assets | 1.1245% | 2,990 |
| Return on Equity (ROE) | 11.8204% | 1,459 |
| Retained earnings to average equity (ytd only) | 7.5404% | 1,181 |
| Net charge-offs to loans | 0.0220% | 4,399 |
| Credit loss provision to net charge-offs | 988.3721% | 279 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 438 |
| Efficiency ratio | 72.9673% | 3,041 |
| Assets per employee ($millions) | 4.1152% | 3,695 |
| Cash dividends to net income (ytd only)* | 36.2088% | 3,054 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9557% | 1,189 |
| Loan loss allowance to noncurrent loans | 496.4557% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 4,596 |
| Noncurrent loans to loans | 0.3939% | 4,462 |
| Net loans and leases to total assets | 45.9409% | 5,326 |
| Net loans and leases to deposits | 51.5216% | 5,514 |
| Net loans and leases to core deposits | 53.3065% | 5,543 |
| Total domestic deposits to total assets | 89.1681% | 1,139 |
| Equity capital to assets | 9.9085% | 4,222 |
| Core capital (leverage) ratio | 9.4296% | 4,343 |
| Tier 1 risk-based capital ratio | 17.5240% | 2,307 |
| Total risk-based capital ratio | 18.7801% | 2,270 |
| Memoranda: |
| Average total assets | $407,206,400 | 1,624 |
| Average earning assets | $373,565,800 | 1,616 |
| Average equity | $38,738,000 | 1,823 |
| Average total loans | $195,491,200 | 2,067 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0050% | 3,738 |
| Cost of funding earning assets | 0.2634% | 5,269 |
| Net interest margin | 3.7416% | 2,852 |
| Noninterest income to average assets | 1.2888% | 734 |
| Noninterest expense to average assets | 3.5152% | 1,436 |
| Loan and lease loss provision to assets | 0.0415% | 3,573 |
| Net operating income to assets | 1.1575% | 1,832 |
| Return on assets (ROA) | 1.1243% | 2,015 |
| Pretax return on assets | 1.1243% | 3,094 |
| Return on Equity (ROE) | 11.9508% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.9272% | 1,851 |
| Net charge-offs to loans | 0.0096% | 4,395 |
| Credit loss provision to net charge-offs | 892.8571% | 366 |
| Earnings coverage of net charge-offs (x) | 258.1618% | 260 |
| Efficiency ratio | 74.5673% | 2,725 |
| Assets per employee ($millions) | 4.0801% | 3,708 |
| Cash dividends to net income (ytd only)* | 42.0353% | 2,256 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8825% | 1,493 |
| Loan loss allowance to noncurrent loans | 451.2979% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 3,487 |
| Noncurrent loans to loans | 0.4171% | 4,656 |
| Net loans and leases to total assets | 43.5879% | 5,548 |
| Net loans and leases to deposits | 48.6950% | 5,724 |
| Net loans and leases to core deposits | 50.4116% | 5,771 |
| Total domestic deposits to total assets | 89.5120% | 974 |
| Equity capital to assets | 9.3718% | 4,952 |
| Core capital (leverage) ratio | 9.1213% | 4,894 |
| Tier 1 risk-based capital ratio | 17.3299% | 2,458 |
| Total risk-based capital ratio | 18.5849% | 2,417 |
| Memoranda: |
| Average total assets | $402,011,750 | 1,656 |
| Average earning assets | $368,034,500 | 1,650 |
| Average equity | $37,820,750 | 1,869 |
| Average total loans | $194,228,500 | 2,091 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1215% | 3,257 |
| Cost of funding earning assets | 0.2797% | 5,189 |
| Net interest margin | 3.8418% | 2,406 |
| Noninterest income to average assets | 1.3347% | 676 |
| Noninterest expense to average assets | 3.6656% | 1,193 |
| Loan and lease loss provision to assets | 0.0128% | 4,002 |
| Net operating income to assets | 1.1596% | 1,720 |
| Return on assets (ROA) | 1.1380% | 1,878 |
| Pretax return on assets | 1.1380% | 2,937 |
| Return on Equity (ROE) | 12.0795% | 1,398 |
| Retained earnings to average equity (ytd only) | 6.3714% | 2,104 |
| Net charge-offs to loans | 0.0021% | 4,325 |
| Credit loss provision to net charge-offs | 1,250.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 1,144.5000% | 50 |
| Efficiency ratio | 75.7675% | 2,675 |
| Assets per employee ($millions) | 3.4585% | 4,926 |
| Cash dividends to net income (ytd only)* | 47.2547% | 2,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7819% | 1,889 |
| Loan loss allowance to noncurrent loans | 431.3559% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 3,259 |
| Noncurrent loans to loans | 0.4131% | 4,749 |
| Net loans and leases to total assets | 48.9547% | 5,086 |
| Net loans and leases to deposits | 55.0065% | 5,281 |
| Net loans and leases to core deposits | 57.1383% | 5,330 |
| Total domestic deposits to total assets | 88.9980% | 1,351 |
| Equity capital to assets | 9.8247% | 4,317 |
| Core capital (leverage) ratio | 9.4958% | 4,336 |
| Tier 1 risk-based capital ratio | 17.1023% | 2,578 |
| Total risk-based capital ratio | 18.3569% | 2,536 |
| Memoranda: |
| Average total assets | $390,493,670 | 1,691 |
| Average earning assets | $356,081,330 | 1,699 |
| Average equity | $36,789,670 | 1,909 |
| Average total loans | $194,324,330 | 2,095 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1273% | 3,178 |
| Cost of funding earning assets | 0.2964% | 5,100 |
| Net interest margin | 3.8309% | 2,338 |
| Noninterest income to average assets | 1.2432% | 713 |
| Noninterest expense to average assets | 3.6214% | 1,273 |
| Loan and lease loss provision to assets | 0.0260% | 3,495 |
| Net operating income to assets | 1.0853% | 1,874 |
| Return on assets (ROA) | 1.0417% | 2,111 |
| Pretax return on assets | 1.0417% | 3,159 |
| Return on Equity (ROE) | 11.3087% | 1,599 |
| Retained earnings to average equity (ytd only) | 6.2350% | 2,417 |
| Net charge-offs to loans | 0.0104% | 3,414 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 214.0000% | 226 |
| Efficiency ratio | 76.5196% | 2,724 |
| Assets per employee ($millions) | 3.3858% | 5,180 |
| Cash dividends to net income (ytd only)* | 44.8654% | 1,844 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8635% | 1,860 |
| Loan loss allowance to noncurrent loans | 179.7072% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 2,382 |
| Noncurrent loans to loans | 1.0369% | 3,351 |
| Net loans and leases to total assets | 47.7350% | 5,162 |
| Net loans and leases to deposits | 53.2323% | 5,356 |
| Net loans and leases to core deposits | 55.4583% | 5,396 |
| Total domestic deposits to total assets | 89.6730% | 1,259 |
| Equity capital to assets | 9.3712% | 4,668 |
| Core capital (leverage) ratio | 9.5611% | 4,190 |
| Tier 1 risk-based capital ratio | 17.1280% | 2,630 |
| Total risk-based capital ratio | 18.3827% | 2,581 |
| Memoranda: |
| Average total assets | $385,150,000 | 1,720 |
| Average earning assets | $350,830,500 | 1,721 |
| Average equity | $35,477,000 | 1,964 |
| Average total loans | $191,506,500 | 2,121 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2929% | 2,984 |
| Cost of funding earning assets | 0.3282% | 5,342 |
| Net interest margin | 3.9647% | 2,050 |
| Noninterest income to average assets | 1.3251% | 786 |
| Noninterest expense to average assets | 3.8342% | 1,086 |
| Loan and lease loss provision to assets | 0.0404% | 4,310 |
| Net operating income to assets | 1.0197% | 2,251 |
| Return on assets (ROA) | 1.0795% | 2,076 |
| Pretax return on assets | 1.0795% | 3,033 |
| Return on Equity (ROE) | 11.4297% | 1,622 |
| Retained earnings to average equity (ytd only) | 7.9194% | 1,080 |
| Net charge-offs to loans | 0.2327% | 2,592 |
| Credit loss provision to net charge-offs | 35.0467% | 4,146 |
| Earnings coverage of net charge-offs (x) | 9.1893% | 2,540 |
| Efficiency ratio | 78.3401% | 2,415 |
| Assets per employee ($millions) | 3.2547% | 5,384 |
| Cash dividends to net income (ytd only)* | 30.7116% | 3,256 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8440% | 1,937 |
| Loan loss allowance to noncurrent loans | 184.4711% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 1.5516% | 2,401 |
| Noncurrent loans to loans | 0.9996% | 3,514 |
| Net loans and leases to total assets | 49.9097% | 5,091 |
| Net loans and leases to deposits | 55.4284% | 5,356 |
| Net loans and leases to core deposits | 57.9524% | 5,398 |
| Total domestic deposits to total assets | 90.0435% | 1,048 |
| Equity capital to assets | 9.0448% | 4,973 |
| Core capital (leverage) ratio | 9.7838% | 3,865 |
| Tier 1 risk-based capital ratio | 16.9151% | 2,647 |
| Total risk-based capital ratio | 18.1698% | 2,609 |
| Memoranda: |
| Average total assets | $370,998,800 | 1,758 |
| Average earning assets | $333,993,600 | 1,779 |
| Average equity | $35,040,400 | 1,970 |
| Average total loans | $183,929,400 | 2,165 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3109% | 2,938 |
| Cost of funding earning assets | 0.3385% | 5,403 |
| Net interest margin | 3.9724% | 2,035 |
| Noninterest income to average assets | 1.3800% | 766 |
| Noninterest expense to average assets | 3.8646% | 1,010 |
| Loan and lease loss provision to assets | 0.0361% | 4,295 |
| Net operating income to assets | 1.0461% | 2,200 |
| Return on assets (ROA) | 1.1252% | 1,977 |
| Pretax return on assets | 1.1252% | 3,001 |
| Return on Equity (ROE) | 11.7853% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.5128% | 1,633 |
| Net charge-offs to loans | 0.2712% | 2,194 |
| Credit loss provision to net charge-offs | 27.0270% | 3,950 |
| Earnings coverage of net charge-offs (x) | 8.1027% | 2,679 |
| Efficiency ratio | 78.1232% | 2,404 |
| Assets per employee ($millions) | 3.1774% | 5,545 |
| Cash dividends to net income (ytd only)* | 36.2528% | 2,422 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9122% | 1,965 |
| Loan loss allowance to noncurrent loans | 183.8342% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 2.1070% | 1,898 |
| Noncurrent loans to loans | 1.0402% | 3,721 |
| Net loans and leases to total assets | 49.3778% | 5,204 |
| Net loans and leases to deposits | 54.8535% | 5,467 |
| Net loans and leases to core deposits | 57.4215% | 5,496 |
| Total domestic deposits to total assets | 90.0174% | 987 |
| Equity capital to assets | 8.8100% | 5,409 |
| Core capital (leverage) ratio | 9.7121% | 4,087 |
| Tier 1 risk-based capital ratio | 16.9976% | 2,703 |
| Total risk-based capital ratio | 18.2529% | 2,668 |
| Memoranda: |
| Average total assets | $369,363,000 | 1,777 |
| Average earning assets | $331,649,500 | 1,807 |
| Average equity | $35,263,500 | 1,970 |
| Average total loans | $181,919,250 | 2,182 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2967% | 2,964 |
| Cost of funding earning assets | 0.3475% | 5,431 |
| Net interest margin | 3.9493% | 2,047 |
| Noninterest income to average assets | 1.3581% | 849 |
| Noninterest expense to average assets | 3.9543% | 914 |
| Loan and lease loss provision to assets | 0.0541% | 3,912 |
| Net operating income to assets | 0.8923% | 2,839 |
| Return on assets (ROA) | 1.0108% | 2,413 |
| Pretax return on assets | 1.0108% | 3,462 |
| Return on Equity (ROE) | 10.3222% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.7910% | 2,562 |
| Net charge-offs to loans | 0.3874% | 1,668 |
| Credit loss provision to net charge-offs | 28.5714% | 3,613 |
| Earnings coverage of net charge-offs (x) | 4.9971% | 2,988 |
| Efficiency ratio | 80.6890% | 2,065 |
| Assets per employee ($millions) | 3.2093% | 5,458 |
| Cash dividends to net income (ytd only)* | 43.8972% | 2,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9900% | 1,874 |
| Loan loss allowance to noncurrent loans | 116.4871% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 2.5641% | 1,637 |
| Noncurrent loans to loans | 1.7083% | 2,751 |
| Net loans and leases to total assets | 46.8007% | 5,445 |
| Net loans and leases to deposits | 51.8791% | 5,697 |
| Net loans and leases to core deposits | 54.2921% | 5,733 |
| Total domestic deposits to total assets | 90.2111% | 899 |
| Equity capital to assets | 8.8104% | 5,433 |
| Core capital (leverage) ratio | 9.2204% | 4,666 |
| Tier 1 risk-based capital ratio | 16.8917% | 2,748 |
| Total risk-based capital ratio | 18.1475% | 2,721 |
| Memoranda: |
| Average total assets | $369,623,000 | 1,772 |
| Average earning assets | $331,555,000 | 1,805 |
| Average equity | $36,194,000 | 1,928 |
| Average total loans | $180,710,330 | 2,193 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3592% | 2,660 |
| Cost of funding earning assets | 0.3555% | 5,477 |
| Net interest margin | 4.0037% | 1,766 |
| Noninterest income to average assets | 1.4148% | 763 |
| Noninterest expense to average assets | 4.0983% | 796 |
| Loan and lease loss provision to assets | 0.1091% | 2,880 |
| Net operating income to assets | 0.7821% | 3,264 |
| Return on assets (ROA) | 1.0210% | 2,256 |
| Pretax return on assets | 1.0210% | 3,259 |
| Return on Equity (ROE) | 9.9179% | 2,098 |
| Retained earnings to average equity (ytd only) | 7.3960% | 1,988 |
| Net charge-offs to loans | 0.7364% | 828 |
| Credit loss provision to net charge-offs | 29.9401% | 2,891 |
| Earnings coverage of net charge-offs (x) | 2.4461% | 3,030 |
| Efficiency ratio | 82.1382% | 2,020 |
| Assets per employee ($millions) | 3.1703% | 5,694 |
| Cash dividends to net income (ytd only)* | 25.4274% | 2,196 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9467% | 2,186 |
| Loan loss allowance to noncurrent loans | 239.1856% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 2.7981% | 1,620 |
| Noncurrent loans to loans | 0.8139% | 4,495 |
| Net loans and leases to total assets | 47.8373% | 5,244 |
| Net loans and leases to deposits | 53.6063% | 5,464 |
| Net loans and leases to core deposits | 55.7672% | 5,543 |
| Total domestic deposits to total assets | 89.2382% | 1,534 |
| Equity capital to assets | 9.8621% | 4,330 |
| Core capital (leverage) ratio | 9.2135% | 4,549 |
| Tier 1 risk-based capital ratio | 16.5849% | 2,958 |
| Total risk-based capital ratio | 17.8405% | 2,918 |
| Memoranda: |
| Average total assets | $366,690,500 | 1,798 |
| Average earning assets | $327,400,500 | 1,847 |
| Average equity | $37,750,000 | 1,877 |
| Average total loans | $181,416,000 | 2,195 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8851% | 1,888 |
| Cost of funding earning assets | 0.4243% | 5,758 |
| Net interest margin | 4.4608% | 1,022 |
| Noninterest income to average assets | 1.2972% | 912 |
| Noninterest expense to average assets | 4.3097% | 678 |
| Loan and lease loss provision to assets | 0.1192% | 4,130 |
| Net operating income to assets | 0.8338% | 3,122 |
| Return on assets (ROA) | 1.1074% | 2,094 |
| Pretax return on assets | 1.1074% | 3,131 |
| Return on Equity (ROE) | 10.3791% | 2,008 |
| Retained earnings to average equity (ytd only) | 6.8281% | 1,655 |
| Net charge-offs to loans | 0.1184% | 4,505 |
| Credit loss provision to net charge-offs | 192.5234% | 1,360 |
| Earnings coverage of net charge-offs (x) | 15.3972% | 1,656 |
| Efficiency ratio | 81.8916% | 1,876 |
| Assets per employee ($millions) | 3.0967% | 5,852 |
| Cash dividends to net income (ytd only)* | 34.2126% | 3,180 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1356% | 1,674 |
| Loan loss allowance to noncurrent loans | 152.8423% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 3.3062% | 1,389 |
| Noncurrent loans to loans | 1.3973% | 3,509 |
| Net loans and leases to total assets | 49.1294% | 5,288 |
| Net loans and leases to deposits | 55.5674% | 5,489 |
| Net loans and leases to core deposits | 57.6646% | 5,579 |
| Total domestic deposits to total assets | 88.4140% | 1,956 |
| Equity capital to assets | 10.7531% | 3,218 |
| Core capital (leverage) ratio | 9.5754% | 4,001 |
| Tier 1 risk-based capital ratio | 16.5765% | 2,848 |
| Total risk-based capital ratio | 17.8342% | 2,817 |
| Memoranda: |
| Average total assets | $345,751,000 | 1,870 |
| Average earning assets | $307,363,800 | 1,927 |
| Average equity | $36,891,600 | 1,883 |
| Average total loans | $180,738,000 | 2,189 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9907% | 1,711 |
| Cost of funding earning assets | 0.4425% | 5,855 |
| Net interest margin | 4.5482% | 904 |
| Noninterest income to average assets | 1.3797% | 787 |
| Noninterest expense to average assets | 4.4142% | 594 |
| Loan and lease loss provision to assets | 0.1605% | 3,507 |
| Net operating income to assets | 0.8501% | 3,215 |
| Return on assets (ROA) | 1.1497% | 2,106 |
| Pretax return on assets | 1.1497% | 3,162 |
| Return on Equity (ROE) | 10.7967% | 2,031 |
| Retained earnings to average equity (ytd only) | 6.5204% | 2,366 |
| Net charge-offs to loans | 0.1479% | 3,923 |
| Credit loss provision to net charge-offs | 205.4726% | 1,349 |
| Earnings coverage of net charge-offs (x) | 12.9404% | 1,959 |
| Efficiency ratio | 81.3709% | 1,892 |
| Assets per employee ($millions) | 3.1130% | 5,815 |
| Cash dividends to net income (ytd only)* | 39.6081% | 2,191 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1242% | 1,857 |
| Loan loss allowance to noncurrent loans | 266.1111% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 3.6786% | 1,348 |
| Noncurrent loans to loans | 0.7982% | 4,812 |
| Net loans and leases to total assets | 50.6412% | 5,230 |
| Net loans and leases to deposits | 57.5559% | 5,472 |
| Net loans and leases to core deposits | 60.5080% | 5,503 |
| Total domestic deposits to total assets | 87.9860% | 2,051 |
| Equity capital to assets | 11.0098% | 3,266 |
| Core capital (leverage) ratio | 9.4647% | 4,326 |
| Tier 1 risk-based capital ratio | 16.3897% | 3,069 |
| Total risk-based capital ratio | 17.6479% | 3,028 |
| Memoranda: |
| Average total assets | $343,159,000 | 1,901 |
| Average earning assets | $305,198,750 | 1,957 |
| Average equity | $36,541,000 | 1,921 |
| Average total loans | $181,228,250 | 2,208 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0679% | 1,600 |
| Cost of funding earning assets | 0.4588% | 5,910 |
| Net interest margin | 4.6091% | 811 |
| Noninterest income to average assets | 1.3752% | 762 |
| Noninterest expense to average assets | 4.5042% | 551 |
| Loan and lease loss provision to assets | 0.2713% | 2,416 |
| Net operating income to assets | 0.7084% | 3,831 |
| Return on assets (ROA) | 1.1602% | 2,054 |
| Pretax return on assets | 1.1602% | 3,083 |
| Return on Equity (ROE) | 11.0228% | 1,985 |
| Retained earnings to average equity (ytd only) | 6.1516% | 2,608 |
| Net charge-offs to loans | 0.3350% | 2,681 |
| Credit loss provision to net charge-offs | 152.3026% | 1,818 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,820 |
| Efficiency ratio | 82.1348% | 1,862 |
| Assets per employee ($millions) | 2.9299% | 6,184 |
| Cash dividends to net income (ytd only)* | 44.1919% | 1,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1665% | 1,852 |
| Loan loss allowance to noncurrent loans | 280.9665% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 3.8022% | 1,360 |
| Noncurrent loans to loans | 0.7711% | 4,964 |
| Net loans and leases to total assets | 48.5373% | 5,559 |
| Net loans and leases to deposits | 54.6951% | 5,799 |
| Net loans and leases to core deposits | 57.2147% | 5,846 |
| Total domestic deposits to total assets | 88.7416% | 1,677 |
| Equity capital to assets | 10.3616% | 3,857 |
| Core capital (leverage) ratio | 9.3099% | 4,439 |
| Tier 1 risk-based capital ratio | 16.2351% | 3,045 |
| Total risk-based capital ratio | 17.4931% | 3,004 |
| Memoranda: |
| Average total assets | $341,325,000 | 1,912 |
| Average earning assets | $304,268,330 | 1,954 |
| Average equity | $35,925,670 | 1,933 |
| Average total loans | $181,505,000 | 2,202 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1543% | 1,420 |
| Cost of funding earning assets | 0.4782% | 5,955 |
| Net interest margin | 4.6761% | 716 |
| Noninterest income to average assets | 1.3564% | 779 |
| Noninterest expense to average assets | 4.8103% | 417 |
| Loan and lease loss provision to assets | 0.3724% | 1,694 |
| Net operating income to assets | 0.3617% | 5,417 |
| Return on assets (ROA) | 1.1779% | 1,991 |
| Pretax return on assets | 1.1779% | 2,998 |
| Return on Equity (ROE) | 11.1007% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.1650% | 2,338 |
| Net charge-offs to loans | 0.0324% | 4,233 |
| Credit loss provision to net charge-offs | 2,086.6667% | 148 |
| Earnings coverage of net charge-offs (x) | 41.1333% | 732 |
| Efficiency ratio | 86.7597% | 1,407 |
| Assets per employee ($millions) | 2.9887% | 6,175 |
| Cash dividends to net income (ytd only)* | 35.4545% | 1,904 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1566% | 1,972 |
| Loan loss allowance to noncurrent loans | 170.9424% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 4.2283% | 1,287 |
| Noncurrent loans to loans | 1.2616% | 4,224 |
| Net loans and leases to total assets | 51.2722% | 5,108 |
| Net loans and leases to deposits | 57.6804% | 5,421 |
| Net loans and leases to core deposits | 60.1006% | 5,518 |
| Total domestic deposits to total assets | 88.8901% | 1,766 |
| Equity capital to assets | 10.3424% | 3,680 |
| Core capital (leverage) ratio | 9.3583% | 4,266 |
| Tier 1 risk-based capital ratio | 15.5526% | 3,413 |
| Total risk-based capital ratio | 16.8109% | 3,382 |
| Memoranda: |
| Average total assets | $336,194,000 | 1,945 |
| Average earning assets | $301,108,500 | 1,975 |
| Average equity | $35,673,500 | 1,948 |
| Average total loans | $185,042,500 | 2,170 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7387% | 720 |
| Cost of funding earning assets | 0.7539% | 5,178 |
| Net interest margin | 4.9848% | 420 |
| Noninterest income to average assets | 1.5573% | 552 |
| Noninterest expense to average assets | 4.8411% | 441 |
| Loan and lease loss provision to assets | 0.2762% | 3,456 |
| Net operating income to assets | 0.9008% | 2,598 |
| Return on assets (ROA) | 1.1510% | 1,776 |
| Pretax return on assets | 1.1510% | 2,641 |
| Return on Equity (ROE) | 11.7411% | 1,479 |
| Retained earnings to average equity (ytd only) | 8.0528% | 1,062 |
| Net charge-offs to loans | 0.5284% | 2,888 |
| Credit loss provision to net charge-offs | 85.0662% | 4,239 |
| Earnings coverage of net charge-offs (x) | 3.6248% | 3,448 |
| Efficiency ratio | 80.4417% | 2,248 |
| Assets per employee ($millions) | 2.8321% | 6,404 |
| Cash dividends to net income (ytd only)* | 31.4133% | 3,055 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9213% | 2,502 |
| Loan loss allowance to noncurrent loans | 138.7505% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 4.8453% | 1,117 |
| Noncurrent loans to loans | 1.3847% | 4,069 |
| Net loans and leases to total assets | 56.7371% | 4,585 |
| Net loans and leases to deposits | 64.3320% | 4,964 |
| Net loans and leases to core deposits | 67.2701% | 5,124 |
| Total domestic deposits to total assets | 88.1942% | 2,031 |
| Equity capital to assets | 10.8969% | 3,078 |
| Core capital (leverage) ratio | 9.6153% | 3,840 |
| Tier 1 risk-based capital ratio | 14.6715% | 3,856 |
| Total risk-based capital ratio | 15.9272% | 3,831 |
| Memoranda: |
| Average total assets | $325,816,800 | 1,976 |
| Average earning assets | $291,566,600 | 2,010 |
| Average equity | $31,939,200 | 2,081 |
| Average total loans | $200,212,800 | 2,043 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8477% | 630 |
| Cost of funding earning assets | 0.8399% | 4,859 |
| Net interest margin | 5.0078% | 406 |
| Noninterest income to average assets | 1.5582% | 543 |
| Noninterest expense to average assets | 4.7923% | 442 |
| Loan and lease loss provision to assets | 0.3683% | 2,650 |
| Net operating income to assets | 0.8818% | 2,815 |
| Return on assets (ROA) | 1.2136% | 1,725 |
| Pretax return on assets | 1.2136% | 2,585 |
| Return on Equity (ROE) | 12.7356% | 1,351 |
| Retained earnings to average equity (ytd only) | 7.6774% | 1,638 |
| Net charge-offs to loans | 0.4259% | 3,014 |
| Credit loss provision to net charge-offs | 138.6749% | 2,300 |
| Earnings coverage of net charge-offs (x) | 4.7072% | 2,986 |
| Efficiency ratio | 79.3120% | 2,360 |
| Assets per employee ($millions) | 2.8139% | 6,465 |
| Cash dividends to net income (ytd only)* | 39.7168% | 2,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0947% | 2,072 |
| Loan loss allowance to noncurrent loans | 158.0620% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 5.1816% | 1,104 |
| Noncurrent loans to loans | 1.3253% | 4,321 |
| Net loans and leases to total assets | 58.7033% | 4,373 |
| Net loans and leases to deposits | 66.4976% | 4,826 |
| Net loans and leases to core deposits | 70.4023% | 4,902 |
| Total domestic deposits to total assets | 88.2788% | 1,884 |
| Equity capital to assets | 10.5934% | 3,583 |
| Core capital (leverage) ratio | 9.4402% | 4,242 |
| Tier 1 risk-based capital ratio | 14.0134% | 4,344 |
| Total risk-based capital ratio | 15.2710% | 4,311 |
| Memoranda: |
| Average total assets | $325,846,750 | 1,984 |
| Average earning assets | $291,779,250 | 2,017 |
| Average equity | $31,051,250 | 2,134 |
| Average total loans | $203,163,250 | 2,034 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8998% | 580 |
| Cost of funding earning assets | 0.9152% | 4,549 |
| Net interest margin | 4.9846% | 407 |
| Noninterest income to average assets | 1.5394% | 536 |
| Noninterest expense to average assets | 4.6920% | 489 |
| Loan and lease loss provision to assets | 0.4580% | 2,135 |
| Net operating income to assets | 0.8689% | 2,776 |
| Return on assets (ROA) | 1.0771% | 2,044 |
| Pretax return on assets | 1.0771% | 2,946 |
| Return on Equity (ROE) | 11.7309% | 1,572 |
| Retained earnings to average equity (ytd only) | 6.0783% | 2,375 |
| Net charge-offs to loans | 0.6481% | 2,225 |
| Credit loss provision to net charge-offs | 111.9403% | 2,737 |
| Earnings coverage of net charge-offs (x) | 3.2433% | 3,249 |
| Efficiency ratio | 77.9548% | 2,720 |
| Assets per employee ($millions) | 2.6062% | 6,783 |
| Cash dividends to net income (ytd only)* | 48.1859% | 1,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9502% | 2,511 |
| Loan loss allowance to noncurrent loans | 196.9372% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 5.0777% | 1,200 |
| Noncurrent loans to loans | 0.9903% | 5,010 |
| Net loans and leases to total assets | 59.0673% | 4,458 |
| Net loans and leases to deposits | 66.2208% | 4,970 |
| Net loans and leases to core deposits | 70.1261% | 5,059 |
| Total domestic deposits to total assets | 89.1975% | 1,419 |
| Equity capital to assets | 9.7440% | 4,472 |
| Core capital (leverage) ratio | 8.8915% | 4,893 |
| Tier 1 risk-based capital ratio | 13.1993% | 4,770 |
| Total risk-based capital ratio | 14.4553% | 4,743 |
| Memoranda: |
| Average total assets | $327,533,670 | 1,983 |
| Average earning assets | $294,348,000 | 2,011 |
| Average equity | $30,074,330 | 2,183 |
| Average total loans | $206,770,670 | 2,027 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8696% | 644 |
| Cost of funding earning assets | 0.9625% | 4,480 |
| Net interest margin | 4.9071% | 451 |
| Noninterest income to average assets | 1.3867% | 676 |
| Noninterest expense to average assets | 4.5037% | 587 |
| Loan and lease loss provision to assets | 0.4891% | 1,797 |
| Net operating income to assets | 0.8327% | 2,870 |
| Return on assets (ROA) | 1.0871% | 1,931 |
| Pretax return on assets | 1.0871% | 2,805 |
| Return on Equity (ROE) | 12.2145% | 1,401 |
| Retained earnings to average equity (ytd only) | 7.3644% | 2,001 |
| Net charge-offs to loans | 0.6949% | 1,827 |
| Credit loss provision to net charge-offs | 108.9918% | 2,449 |
| Earnings coverage of net charge-offs (x) | 2.9455% | 2,905 |
| Efficiency ratio | 77.3090% | 2,941 |
| Assets per employee ($millions) | 2.6221% | 6,812 |
| Cash dividends to net income (ytd only)* | 39.7075% | 1,754 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8124% | 2,972 |
| Loan loss allowance to noncurrent loans | 46.2220% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 5.0928% | 1,233 |
| Noncurrent loans to loans | 3.9211% | 1,870 |
| Net loans and leases to total assets | 61.5155% | 3,961 |
| Net loans and leases to deposits | 68.1489% | 4,663 |
| Net loans and leases to core deposits | 71.9590% | 4,792 |
| Total domestic deposits to total assets | 90.2663% | 979 |
| Equity capital to assets | 8.9602% | 5,266 |
| Core capital (leverage) ratio | 8.6023% | 5,262 |
| Tier 1 risk-based capital ratio | 12.7120% | 5,053 |
| Total risk-based capital ratio | 13.9673% | 5,024 |
| Memoranda: |
| Average total assets | $327,111,500 | 1,998 |
| Average earning assets | $295,898,000 | 2,023 |
| Average equity | $29,113,000 | 2,226 |
| Average total loans | $211,245,000 | 2,002 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9728% | 897 |
| Cost of funding earning assets | 1.1523% | 4,840 |
| Net interest margin | 4.8204% | 648 |
| Noninterest income to average assets | 1.6570% | 532 |
| Noninterest expense to average assets | 4.6829% | 556 |
| Loan and lease loss provision to assets | 0.3245% | 4,216 |
| Net operating income to assets | 0.9879% | 2,077 |
| Return on assets (ROA) | 1.1999% | 1,491 |
| Pretax return on assets | 1.1999% | 2,226 |
| Return on Equity (ROE) | 14.2028% | 850 |
| Retained earnings to average equity (ytd only) | 7.8311% | 1,032 |
| Net charge-offs to loans | 0.3157% | 4,441 |
| Credit loss provision to net charge-offs | 155.7864% | 2,271 |
| Earnings coverage of net charge-offs (x) | 6.3012% | 2,389 |
| Efficiency ratio | 78.1094% | 2,692 |
| Assets per employee ($millions) | 2.4697% | 7,052 |
| Cash dividends to net income (ytd only)* | 44.8622% | 2,351 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7803% | 2,922 |
| Loan loss allowance to noncurrent loans | 61.0931% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 4.7509% | 1,378 |
| Noncurrent loans to loans | 2.9140% | 2,618 |
| Net loans and leases to total assets | 65.4240% | 3,571 |
| Net loans and leases to deposits | 72.4555% | 4,437 |
| Net loans and leases to core deposits | 77.0650% | 4,583 |
| Total domestic deposits to total assets | 90.2955% | 936 |
| Equity capital to assets | 8.8366% | 5,382 |
| Core capital (leverage) ratio | 8.7773% | 4,889 |
| Tier 1 risk-based capital ratio | 12.6491% | 4,894 |
| Total risk-based capital ratio | 13.9044% | 4,872 |
| Memoranda: |
| Average total assets | $323,604,000 | 2,005 |
| Average earning assets | $291,238,600 | 2,037 |
| Average equity | $27,339,600 | 2,354 |
| Average total loans | $213,512,000 | 2,031 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9615% | 1,007 |
| Cost of funding earning assets | 1.2270% | 4,702 |
| Net interest margin | 4.7345% | 773 |
| Noninterest income to average assets | 1.6614% | 506 |
| Noninterest expense to average assets | 4.5705% | 551 |
| Loan and lease loss provision to assets | 0.3283% | 3,966 |
| Net operating income to assets | 1.0211% | 2,170 |
| Return on assets (ROA) | 1.3011% | 1,407 |
| Pretax return on assets | 1.3011% | 2,166 |
| Return on Equity (ROE) | 15.5753% | 766 |
| Retained earnings to average equity (ytd only) | 7.9007% | 1,452 |
| Net charge-offs to loans | 0.3149% | 4,077 |
| Credit loss provision to net charge-offs | 158.4158% | 2,406 |
| Earnings coverage of net charge-offs (x) | 6.5109% | 2,508 |
| Efficiency ratio | 77.2047% | 2,741 |
| Assets per employee ($millions) | 2.4538% | 7,126 |
| Cash dividends to net income (ytd only)* | 49.2744% | 1,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7176% | 3,102 |
| Loan loss allowance to noncurrent loans | 50.6577% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 4.9574% | 1,304 |
| Noncurrent loans to loans | 3.3905% | 2,347 |
| Net loans and leases to total assets | 66.8320% | 3,503 |
| Net loans and leases to deposits | 74.8113% | 4,376 |
| Net loans and leases to core deposits | 78.8395% | 4,695 |
| Total domestic deposits to total assets | 89.3340% | 1,210 |
| Equity capital to assets | 9.6835% | 4,565 |
| Core capital (leverage) ratio | 8.7810% | 5,047 |
| Tier 1 risk-based capital ratio | 12.2668% | 5,206 |
| Total risk-based capital ratio | 13.5222% | 5,177 |
| Memoranda: |
| Average total assets | $324,856,500 | 2,030 |
| Average earning assets | $292,202,000 | 2,059 |
| Average equity | $27,136,250 | 2,398 |
| Average total loans | $213,836,250 | 2,062 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9874% | 974 |
| Cost of funding earning assets | 1.3228% | 4,395 |
| Net interest margin | 4.6646% | 875 |
| Noninterest income to average assets | 1.4755% | 584 |
| Noninterest expense to average assets | 4.5100% | 570 |
| Loan and lease loss provision to assets | 0.3052% | 3,949 |
| Net operating income to assets | 0.8491% | 2,733 |
| Return on assets (ROA) | 1.1769% | 1,685 |
| Pretax return on assets | 1.1769% | 2,488 |
| Return on Equity (ROE) | 14.8511% | 884 |
| Retained earnings to average equity (ytd only) | 7.4410% | 1,657 |
| Net charge-offs to loans | 0.2906% | 3,880 |
| Credit loss provision to net charge-offs | 161.2903% | 2,442 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 2,525 |
| Efficiency ratio | 79.6206% | 2,490 |
| Assets per employee ($millions) | 2.5007% | 7,102 |
| Cash dividends to net income (ytd only)* | 49.8963% | 1,693 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6867% | 3,133 |
| Loan loss allowance to noncurrent loans | 41.0561% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 5.6408% | 1,080 |
| Noncurrent loans to loans | 4.1083% | 1,828 |
| Net loans and leases to total assets | 64.9014% | 4,063 |
| Net loans and leases to deposits | 72.3171% | 4,941 |
| Net loans and leases to core deposits | 76.8602% | 5,098 |
| Total domestic deposits to total assets | 89.7456% | 1,052 |
| Equity capital to assets | 8.5296% | 6,129 |
| Core capital (leverage) ratio | 7.9751% | 6,300 |
| Tier 1 risk-based capital ratio | 11.4569% | 5,812 |
| Total risk-based capital ratio | 12.7108% | 5,783 |
| Memoranda: |
| Average total assets | $327,628,670 | 2,027 |
| Average earning assets | $294,219,000 | 2,060 |
| Average equity | $25,964,330 | 2,494 |
| Average total loans | $213,366,000 | 2,092 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6347% | 2,010 |
| Cost of funding earning assets | 1.3834% | 4,282 |
| Net interest margin | 4.2513% | 1,849 |
| Noninterest income to average assets | 1.5496% | 510 |
| Noninterest expense to average assets | 4.5398% | 555 |
| Loan and lease loss provision to assets | 0.6058% | 2,102 |
| Net operating income to assets | 0.2205% | 5,615 |
| Return on assets (ROA) | 0.8408% | 2,885 |
| Pretax return on assets | 0.8408% | 3,702 |
| Return on Equity (ROE) | 11.0209% | 1,783 |
| Retained earnings to average equity (ytd only) | 6.0663% | 2,594 |
| Net charge-offs to loans | 0.5132% | 2,529 |
| Credit loss provision to net charge-offs | 182.4818% | 2,006 |
| Earnings coverage of net charge-offs (x) | 2.4891% | 3,295 |
| Efficiency ratio | 84.6015% | 1,966 |
| Assets per employee ($millions) | 2.5693% | 7,097 |
| Cash dividends to net income (ytd only)* | 44.9568% | 1,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7197% | 2,989 |
| Loan loss allowance to noncurrent loans | 33.5522% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 6.0588% | 985 |
| Noncurrent loans to loans | 5.1253% | 1,404 |
| Net loans and leases to total assets | 63.5433% | 4,419 |
| Net loans and leases to deposits | 69.5119% | 5,406 |
| Net loans and leases to core deposits | 74.0770% | 5,492 |
| Total domestic deposits to total assets | 91.4135% | 398 |
| Equity capital to assets | 7.7434% | 6,890 |
| Core capital (leverage) ratio | 7.2156% | 7,101 |
| Tier 1 risk-based capital ratio | 10.6102% | 6,530 |
| Total risk-based capital ratio | 11.8671% | 6,520 |
| Memoranda: |
| Average total assets | $330,146,000 | 2,065 |
| Average earning assets | $296,380,000 | 2,103 |
| Average equity | $25,188,500 | 2,596 |
| Average total loans | $213,569,000 | 2,143 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3122% | 1,004 |
| Cost of funding earning assets | 1.6659% | 4,695 |
| Net interest margin | 4.6463% | 905 |
| Noninterest income to average assets | 1.6924% | 507 |
| Noninterest expense to average assets | 4.3595% | 920 |
| Loan and lease loss provision to assets | 0.6687% | 3,141 |
| Net operating income to assets | 0.9146% | 2,129 |
| Return on assets (ROA) | 0.9300% | 2,136 |
| Pretax return on assets | 0.9300% | 2,827 |
| Return on Equity (ROE) | 12.3169% | 1,089 |
| Retained earnings to average equity (ytd only) | 4.8635% | 1,893 |
| Net charge-offs to loans | 0.5785% | 3,484 |
| Credit loss provision to net charge-offs | 174.2015% | 2,421 |
| Earnings coverage of net charge-offs (x) | 4.1245% | 3,048 |
| Efficiency ratio | 73.3573% | 4,023 |
| Assets per employee ($millions) | 2.5112% | 7,191 |
| Cash dividends to net income (ytd only)* | 60.5139% | 1,974 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5738% | 3,383 |
| Loan loss allowance to noncurrent loans | 41.6401% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 4.7576% | 1,328 |
| Noncurrent loans to loans | 3.7795% | 1,984 |
| Net loans and leases to total assets | 63.7040% | 4,653 |
| Net loans and leases to deposits | 72.1560% | 5,303 |
| Net loans and leases to core deposits | 86.3691% | 5,488 |
| Total domestic deposits to total assets | 88.2865% | 1,831 |
| Equity capital to assets | 7.5182% | 7,018 |
| Core capital (leverage) ratio | 7.0290% | 7,210 |
| Tier 1 risk-based capital ratio | 10.1566% | 6,729 |
| Total risk-based capital ratio | 11.4094% | 6,698 |
| Memoranda: |
| Average total assets | $318,061,200 | 2,121 |
| Average earning assets | $290,960,400 | 2,121 |
| Average equity | $24,015,800 | 2,726 |
| Average total loans | $211,057,800 | 2,181 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3993% | 926 |
| Cost of funding earning assets | 1.7425% | 4,683 |
| Net interest margin | 4.6568% | 898 |
| Noninterest income to average assets | 1.6692% | 527 |
| Noninterest expense to average assets | 4.5355% | 719 |
| Loan and lease loss provision to assets | 0.2972% | 4,587 |
| Net operating income to assets | 1.1148% | 1,694 |
| Return on assets (ROA) | 1.1322% | 1,705 |
| Pretax return on assets | 1.1322% | 2,470 |
| Return on Equity (ROE) | 14.9771% | 773 |
| Retained earnings to average equity (ytd only) | 4.9250% | 2,536 |
| Net charge-offs to loans | 0.1208% | 5,491 |
| Credit loss provision to net charge-offs | 368.4211% | 1,097 |
| Earnings coverage of net charge-offs (x) | 17.5051% | 1,400 |
| Efficiency ratio | 76.2598% | 3,457 |
| Assets per employee ($millions) | 2.5183% | 7,203 |
| Cash dividends to net income (ytd only)* | 67.1167% | 1,360 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3266% | 4,342 |
| Loan loss allowance to noncurrent loans | 32.1302% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 3.6771% | 1,776 |
| Noncurrent loans to loans | 4.1288% | 1,762 |
| Net loans and leases to total assets | 67.7524% | 4,010 |
| Net loans and leases to deposits | 77.4417% | 4,831 |
| Net loans and leases to core deposits | 95.1896% | 4,912 |
| Total domestic deposits to total assets | 87.4882% | 1,896 |
| Equity capital to assets | 7.9235% | 6,921 |
| Core capital (leverage) ratio | 7.1230% | 7,343 |
| Tier 1 risk-based capital ratio | 10.1198% | 6,861 |
| Total risk-based capital ratio | 11.3702% | 6,808 |
| Memoranda: |
| Average total assets | $314,079,000 | 2,150 |
| Average earning assets | $288,546,500 | 2,149 |
| Average equity | $23,742,250 | 2,784 |
| Average total loans | $209,780,500 | 2,215 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4182% | 970 |
| Cost of funding earning assets | 1.8343% | 4,586 |
| Net interest margin | 4.5839% | 991 |
| Noninterest income to average assets | 1.6703% | 525 |
| Noninterest expense to average assets | 4.5323% | 752 |
| Loan and lease loss provision to assets | 0.1938% | 5,115 |
| Net operating income to assets | 1.1555% | 1,594 |
| Return on assets (ROA) | 1.1658% | 1,649 |
| Pretax return on assets | 1.1658% | 2,410 |
| Return on Equity (ROE) | 15.6891% | 737 |
| Retained earnings to average equity (ytd only) | 4.7371% | 2,668 |
| Net charge-offs to loans | 0.0332% | 5,994 |
| Credit loss provision to net charge-offs | 882.3529% | 546 |
| Earnings coverage of net charge-offs (x) | 61.4412% | 585 |
| Efficiency ratio | 77.0591% | 3,502 |
| Assets per employee ($millions) | 2.4863% | 7,283 |
| Cash dividends to net income (ytd only)* | 69.8061% | 1,372 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2514% | 4,591 |
| Loan loss allowance to noncurrent loans | 42.1166% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 2.7306% | 2,355 |
| Noncurrent loans to loans | 2.9714% | 2,429 |
| Net loans and leases to total assets | 67.3618% | 4,278 |
| Net loans and leases to deposits | 80.6766% | 4,444 |
| Net loans and leases to core deposits | 94.7842% | 5,028 |
| Total domestic deposits to total assets | 83.4962% | 4,015 |
| Equity capital to assets | 7.0660% | 7,567 |
| Core capital (leverage) ratio | 7.3667% | 7,166 |
| Tier 1 risk-based capital ratio | 10.2407% | 6,660 |
| Total risk-based capital ratio | 11.4597% | 6,630 |
| Memoranda: |
| Average total assets | $309,645,670 | 2,203 |
| Average earning assets | $284,471,670 | 2,203 |
| Average equity | $23,009,670 | 2,861 |
| Average total loans | $204,777,670 | 2,300 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5894% | 721 |
| Cost of funding earning assets | 1.9084% | 4,583 |
| Net interest margin | 4.6810% | 799 |
| Noninterest income to average assets | 1.6639% | 493 |
| Noninterest expense to average assets | 4.3762% | 807 |
| Loan and lease loss provision to assets | 0.1578% | 4,911 |
| Net operating income to assets | 1.4337% | 1,072 |
| Return on assets (ROA) | 1.4337% | 1,156 |
| Pretax return on assets | 1.4337% | 1,867 |
| Return on Equity (ROE) | 18.8069% | 522 |
| Retained earnings to average equity (ytd only) | 11.4739% | 891 |
| Net charge-offs to loans | 0.0364% | 5,001 |
| Credit loss provision to net charge-offs | 666.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 67.2222% | 596 |
| Efficiency ratio | 73.3304% | 3,942 |
| Assets per employee ($millions) | 2.6876% | 6,915 |
| Cash dividends to net income (ytd only)* | 38.9908% | 2,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2759% | 4,231 |
| Loan loss allowance to noncurrent loans | 192.9535% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 4,346 |
| Noncurrent loans to loans | 0.6612% | 5,748 |
| Net loans and leases to total assets | 64.4397% | 4,911 |
| Net loans and leases to deposits | 75.2875% | 5,311 |
| Net loans and leases to core deposits | 85.5436% | 5,943 |
| Total domestic deposits to total assets | 85.5915% | 2,928 |
| Equity capital to assets | 7.5147% | 7,345 |
| Core capital (leverage) ratio | 7.5851% | 7,046 |
| Tier 1 risk-based capital ratio | 10.9208% | 5,969 |
| Total risk-based capital ratio | 12.1366% | 5,914 |
| Memoranda: |
| Average total assets | $304,102,500 | 2,245 |
| Average earning assets | $279,599,000 | 2,240 |
| Average equity | $23,183,000 | 2,856 |
| Average total loans | $197,772,000 | 2,393 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8267% | 1,596 |
| Cost of funding earning assets | 2.0408% | 6,279 |
| Net interest margin | 4.7858% | 800 |
| Noninterest income to average assets | 1.8603% | 392 |
| Noninterest expense to average assets | 4.8959% | 666 |
| Loan and lease loss provision to assets | 0.2122% | 4,771 |
| Net operating income to assets | 1.1503% | 1,940 |
| Return on assets (ROA) | 1.2567% | 1,556 |
| Pretax return on assets | 1.2567% | 2,457 |
| Return on Equity (ROE) | 16.6706% | 676 |
| Retained earnings to average equity (ytd only) | 7.0547% | 1,133 |
| Net charge-offs to loans | 0.1588% | 4,603 |
| Credit loss provision to net charge-offs | 217.3913% | 2,209 |
| Earnings coverage of net charge-offs (x) | 13.9601% | 2,090 |
| Efficiency ratio | 78.2304% | 2,881 |
| Assets per employee ($millions) | 2.3370% | 7,507 |
| Cash dividends to net income (ytd only)* | 57.6815% | 2,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1971% | 4,554 |
| Loan loss allowance to noncurrent loans | 162.1244% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 3,894 |
| Noncurrent loans to loans | 0.7384% | 5,182 |
| Net loans and leases to total assets | 64.0133% | 5,272 |
| Net loans and leases to deposits | 75.2442% | 5,695 |
| Net loans and leases to core deposits | 84.9156% | 6,219 |
| Total domestic deposits to total assets | 85.0740% | 2,807 |
| Equity capital to assets | 7.7358% | 7,167 |
| Core capital (leverage) ratio | 7.5755% | 7,112 |
| Tier 1 risk-based capital ratio | 10.9068% | 5,806 |
| Total risk-based capital ratio | 12.0336% | 5,834 |
| Memoranda: |
| Average total assets | $282,806,200 | 2,299 |
| Average earning assets | $259,891,800 | 2,293 |
| Average equity | $21,319,000 | 3,062 |
| Average total loans | $173,792,600 | 2,572 |
