| 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 | 5.9755% | 1,209 |
| Cost of funding earning assets | 2.8174% | 476 |
| Net interest margin | 3.1581% | 3,099 |
| Noninterest income to average assets | 0.4100% | 2,181 |
| Noninterest expense to average assets | 1.6411% | 4,097 |
| Loan and lease loss provision to assets | 0.2200% | 520 |
| Net operating income to assets | 1.5318% | 1,035 |
| Return on assets (ROA) | 1.5318% | 1,031 |
| Pretax return on assets | 1.5840% | 1,338 |
| Return on Equity (ROE) | 15.8900% | 922 |
| Retained earnings to average equity (ytd only) | 10.5313% | 1,074 |
| Net charge-offs to loans | 0.1801% | 570 |
| Credit loss provision to net charge-offs | 126.1745% | 1,119 |
| Earnings coverage of net charge-offs (x) | 11.2181% | 1,678 |
| Efficiency ratio | 47.7003% | 4,027 |
| Assets per employee ($millions) | 9.9198% | 822 |
| Cash dividends to net income (ytd only)* | 33.7316% | 1,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0082% | 3,177 |
| Loan loss allowance to noncurrent loans | 90.3768% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 715 |
| Noncurrent loans to loans | 1.1156% | 957 |
| Net loans and leases to total assets | 86.8400% | 101 |
| Net loans and leases to deposits | 97.3741% | 538 |
| Net loans and leases to core deposits | 120.0013% | 546 |
| Total domestic deposits to total assets | 89.1800% | 1,105 |
| Equity capital to assets | 9.6616% | 2,457 |
| Core capital (leverage) ratio | 10.1123% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8998% | 2,249 |
| Memoranda: |
| Average total assets | $743,168,500 | 1,307 |
| Average earning assets | $713,851,000 | 1,279 |
| Average equity | $71,634,000 | 1,334 |
| Average total loans | $661,933,000 | 1,076 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7913% | 1,596 |
| Cost of funding earning assets | 3.0002% | 498 |
| Net interest margin | 2.7910% | 3,499 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 1.6124% | 4,172 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 1.2754% | 1,350 |
| Return on assets (ROA) | 1.2754% | 1,354 |
| Pretax return on assets | 1.3218% | 1,697 |
| Return on Equity (ROE) | 13.5400% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.4628% | 1,634 |
| Net charge-offs to loans | 0.1128% | 1,088 |
| Credit loss provision to net charge-offs | 124.3132% | 1,620 |
| Earnings coverage of net charge-offs (x) | 14.3805% | 2,061 |
| Efficiency ratio | 52.5882% | 3,837 |
| Assets per employee ($millions) | 9.1554% | 1,007 |
| Cash dividends to net income (ytd only)* | 52.2591% | 1,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9947% | 3,263 |
| Loan loss allowance to noncurrent loans | 109.9983% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 771 |
| Noncurrent loans to loans | 0.9043% | 1,102 |
| Net loans and leases to total assets | 89.5500% | 41 |
| Net loans and leases to deposits | 102.0246% | 404 |
| Net loans and leases to core deposits | 126.7920% | 425 |
| Total domestic deposits to total assets | 87.7800% | 1,598 |
| Equity capital to assets | 9.6157% | 2,364 |
| Core capital (leverage) ratio | 10.1538% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5651% | 2,371 |
| Memoranda: |
| Average total assets | $720,166,400 | 1,319 |
| Average earning assets | $689,816,200 | 1,291 |
| Average equity | $67,850,200 | 1,352 |
| Average total loans | $645,544,200 | 1,077 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7633% | 1,614 |
| Cost of funding earning assets | 3.0080% | 504 |
| Net interest margin | 2.7552% | 3,516 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 1.6241% | 4,158 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.2459% | 1,429 |
| Return on assets (ROA) | 1.2459% | 1,433 |
| Pretax return on assets | 1.2941% | 1,782 |
| Return on Equity (ROE) | 13.2900% | 1,304 |
| Retained earnings to average equity (ytd only) | 5.6760% | 2,213 |
| Net charge-offs to loans | 0.0613% | 1,292 |
| Credit loss provision to net charge-offs | 151.8644% | 1,279 |
| Earnings coverage of net charge-offs (x) | 25.2881% | 1,622 |
| Efficiency ratio | 53.9364% | 3,724 |
| Assets per employee ($millions) | 9.1487% | 1,025 |
| Cash dividends to net income (ytd only)* | 57.3049% | 1,096 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0157% | 3,166 |
| Loan loss allowance to noncurrent loans | 86.5200% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1507% | 546 |
| Noncurrent loans to loans | 1.1740% | 846 |
| Net loans and leases to total assets | 88.5300% | 51 |
| Net loans and leases to deposits | 102.1183% | 392 |
| Net loans and leases to core deposits | 123.4532% | 521 |
| Total domestic deposits to total assets | 86.7000% | 1,696 |
| Equity capital to assets | 9.6519% | 2,532 |
| Core capital (leverage) ratio | 10.1006% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5513% | 2,391 |
| Memoranda: |
| Average total assets | $717,099,500 | 1,314 |
| Average earning assets | $686,629,750 | 1,287 |
| Average equity | $67,205,500 | 1,350 |
| Average total loans | $641,301,750 | 1,076 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6608% | 1,674 |
| Cost of funding earning assets | 2.9680% | 490 |
| Net interest margin | 2.6928% | 3,592 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 1.6339% | 4,155 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.1552% | 1,588 |
| Return on assets (ROA) | 1.1552% | 1,585 |
| Pretax return on assets | 1.1999% | 1,928 |
| Return on Equity (ROE) | 12.4500% | 1,502 |
| Retained earnings to average equity (ytd only) | 4.4941% | 2,527 |
| Net charge-offs to loans | 0.0941% | 896 |
| Credit loss provision to net charge-offs | 117.9402% | 1,365 |
| Earnings coverage of net charge-offs (x) | 15.5847% | 1,769 |
| Efficiency ratio | 55.4680% | 3,623 |
| Assets per employee ($millions) | 9.2266% | 926 |
| Cash dividends to net income (ytd only)* | 63.9070% | 1,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0168% | 3,192 |
| Loan loss allowance to noncurrent loans | 83.6611% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 467 |
| Noncurrent loans to loans | 1.2154% | 746 |
| Net loans and leases to total assets | 88.6100% | 60 |
| Net loans and leases to deposits | 102.0355% | 453 |
| Net loans and leases to core deposits | 122.6975% | 565 |
| Total domestic deposits to total assets | 86.8500% | 1,704 |
| Equity capital to assets | 9.4404% | 2,427 |
| Core capital (leverage) ratio | 9.9232% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5294% | 2,418 |
| Memoranda: |
| Average total assets | $715,216,333 | 1,321 |
| Average earning assets | $685,310,667 | 1,287 |
| Average equity | $66,354,333 | 1,360 |
| Average total loans | $639,591,000 | 1,079 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6021% | 1,622 |
| Cost of funding earning assets | 2.8977% | 502 |
| Net interest margin | 2.7044% | 3,559 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 1.6299% | 4,160 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.2090% | 1,423 |
| Return on assets (ROA) | 1.2090% | 1,426 |
| Pretax return on assets | 1.2559% | 1,749 |
| Return on Equity (ROE) | 13.1500% | 1,305 |
| Retained earnings to average equity (ytd only) | 4.4184% | 2,580 |
| Net charge-offs to loans | 0.0218% | 1,409 |
| Credit loss provision to net charge-offs | 180.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 67.2286% | 839 |
| Efficiency ratio | 55.4103% | 3,650 |
| Assets per employee ($millions) | 9.0348% | 1,001 |
| Cash dividends to net income (ytd only)* | 66.3900% | 950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0049% | 3,277 |
| Loan loss allowance to noncurrent loans | 79.6365% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.5469% | 286 |
| Noncurrent loans to loans | 1.2619% | 649 |
| Net loans and leases to total assets | 88.9000% | 57 |
| Net loans and leases to deposits | 101.7810% | 409 |
| Net loans and leases to core deposits | 121.6480% | 587 |
| Total domestic deposits to total assets | 87.3400% | 1,655 |
| Equity capital to assets | 9.2882% | 2,477 |
| Core capital (leverage) ratio | 9.8082% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3115% | 2,487 |
| Memoranda: |
| Average total assets | $717,600,500 | 1,321 |
| Average earning assets | $687,029,500 | 1,285 |
| Average equity | $65,997,000 | 1,355 |
| Average total loans | $641,378,000 | 1,081 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1663% | 1,730 |
| Cost of funding earning assets | 2.1790% | 670 |
| Net interest margin | 2.9873% | 3,310 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.6579% | 4,187 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.4262% | 1,167 |
| Return on assets (ROA) | 1.4279% | 1,133 |
| Pretax return on assets | 1.4850% | 1,456 |
| Return on Equity (ROE) | 15.3700% | 1,215 |
| Retained earnings to average equity (ytd only) | 6.6872% | 1,993 |
| Net charge-offs to loans | -0.0165% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.2143% | 3,890 |
| Assets per employee ($millions) | 8.7982% | 1,065 |
| Cash dividends to net income (ytd only)* | 56.5042% | 1,337 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9992% | 3,309 |
| Loan loss allowance to noncurrent loans | 194.7464% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 596 |
| Noncurrent loans to loans | 0.5131% | 1,503 |
| Net loans and leases to total assets | 88.0700% | 84 |
| Net loans and leases to deposits | 104.4802% | 340 |
| Net loans and leases to core deposits | 123.9755% | 532 |
| Total domestic deposits to total assets | 84.2900% | 2,540 |
| Equity capital to assets | 9.1065% | 2,605 |
| Core capital (leverage) ratio | 9.7683% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1319% | 2,542 |
| Memoranda: |
| Average total assets | $676,711,200 | 1,340 |
| Average earning assets | $645,705,800 | 1,307 |
| Average equity | $62,851,000 | 1,349 |
| Average total loans | $594,513,600 | 1,096 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0417% | 1,751 |
| Cost of funding earning assets | 1.9686% | 747 |
| Net interest margin | 3.0730% | 3,192 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.6622% | 4,173 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5121% | 1,094 |
| Return on assets (ROA) | 1.5146% | 1,084 |
| Pretax return on assets | 1.5775% | 1,404 |
| Return on Equity (ROE) | 16.2200% | 1,217 |
| Retained earnings to average equity (ytd only) | 7.3382% | 2,187 |
| Net charge-offs to loans | -0.0231% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.2605% | 3,894 |
| Assets per employee ($millions) | 8.8451% | 985 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9996% | 3,374 |
| Loan loss allowance to noncurrent loans | 262.8167% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 674 |
| Noncurrent loans to loans | 0.3804% | 1,875 |
| Net loans and leases to total assets | 87.8700% | 81 |
| Net loans and leases to deposits | 103.3980% | 373 |
| Net loans and leases to core deposits | 120.1872% | 541 |
| Total domestic deposits to total assets | 84.9800% | 2,503 |
| Equity capital to assets | 9.1295% | 2,345 |
| Core capital (leverage) ratio | 10.0202% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5265% | 2,442 |
| Memoranda: |
| Average total assets | $665,526,750 | 1,356 |
| Average earning assets | $635,011,000 | 1,316 |
| Average equity | $62,139,000 | 1,349 |
| Average total loans | $582,692,000 | 1,108 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8872% | 1,791 |
| Cost of funding earning assets | 1.7614% | 799 |
| Net interest margin | 3.1257% | 3,161 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.6438% | 4,215 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.6225% | 909 |
| Return on assets (ROA) | 1.6225% | 912 |
| Pretax return on assets | 1.6897% | 1,236 |
| Return on Equity (ROE) | 17.2400% | 1,051 |
| Retained earnings to average equity (ytd only) | 8.1252% | 1,922 |
| Net charge-offs to loans | -0.0367% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.8650% | 4,006 |
| Assets per employee ($millions) | 8.4525% | 1,120 |
| Cash dividends to net income (ytd only)* | 52.8783% | 1,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9960% | 3,436 |
| Loan loss allowance to noncurrent loans | 169.9537% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0068% | 457 |
| Noncurrent loans to loans | 0.5860% | 1,280 |
| Net loans and leases to total assets | 86.3900% | 135 |
| Net loans and leases to deposits | 100.6209% | 490 |
| Net loans and leases to core deposits | 114.6108% | 665 |
| Total domestic deposits to total assets | 85.8600% | 2,274 |
| Equity capital to assets | 9.3449% | 2,272 |
| Core capital (leverage) ratio | 10.1874% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6919% | 2,405 |
| Memoranda: |
| Average total assets | $657,396,333 | 1,366 |
| Average earning assets | $626,986,667 | 1,332 |
| Average equity | $61,856,667 | 1,357 |
| Average total loans | $572,815,667 | 1,109 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6731% | 1,916 |
| Cost of funding earning assets | 1.5286% | 796 |
| Net interest margin | 3.1445% | 3,248 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.6148% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6969% | 826 |
| Return on assets (ROA) | 1.6969% | 822 |
| Pretax return on assets | 1.7667% | 1,137 |
| Return on Equity (ROE) | 17.9700% | 1,033 |
| Retained earnings to average equity (ytd only) | 8.1647% | 2,173 |
| Net charge-offs to loans | -0.0064% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.7547% | 4,096 |
| Assets per employee ($millions) | 8.4796% | 1,132 |
| Cash dividends to net income (ytd only)* | 54.5653% | 1,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9913% | 3,549 |
| Loan loss allowance to noncurrent loans | 216.8514% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 484 |
| Noncurrent loans to loans | 0.4571% | 1,574 |
| Net loans and leases to total assets | 86.8100% | 112 |
| Net loans and leases to deposits | 99.1011% | 481 |
| Net loans and leases to core deposits | 110.8830% | 671 |
| Total domestic deposits to total assets | 87.6000% | 2,058 |
| Equity capital to assets | 9.5269% | 2,119 |
| Core capital (leverage) ratio | 10.3070% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7376% | 2,483 |
| Memoranda: |
| Average total assets | $647,994,500 | 1,404 |
| Average earning assets | $618,092,000 | 1,367 |
| Average equity | $61,190,000 | 1,379 |
| Average total loans | $564,188,500 | 1,132 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1918% | 1,264 |
| Cost of funding earning assets | 0.6373% | 762 |
| Net interest margin | 3.5545% | 1,772 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.7943% | 4,039 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.8231% | 419 |
| Return on assets (ROA) | 1.8226% | 399 |
| Pretax return on assets | 1.8853% | 604 |
| Return on Equity (ROE) | 18.0900% | 687 |
| Retained earnings to average equity (ytd only) | 8.2617% | 1,732 |
| Net charge-offs to loans | 0.0521% | 1,148 |
| Credit loss provision to net charge-offs | 454.5455% | 722 |
| Earnings coverage of net charge-offs (x) | 46.9583% | 1,399 |
| Efficiency ratio | 46.2193% | 4,333 |
| Assets per employee ($millions) | 8.1400% | 1,256 |
| Cash dividends to net income (ytd only)* | 54.3338% | 1,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0329% | 3,185 |
| Loan loss allowance to noncurrent loans | 221.6988% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 477 |
| Noncurrent loans to loans | 0.4659% | 1,540 |
| Net loans and leases to total assets | 85.5500% | 181 |
| Net loans and leases to deposits | 99.7502% | 446 |
| Net loans and leases to core deposits | 110.4361% | 596 |
| Total domestic deposits to total assets | 85.7700% | 2,788 |
| Equity capital to assets | 9.3578% | 2,104 |
| Core capital (leverage) ratio | 10.2363% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7609% | 2,465 |
| Memoranda: |
| Average total assets | $593,764,800 | 1,500 |
| Average earning assets | $568,940,400 | 1,457 |
| Average equity | $59,818,000 | 1,405 |
| Average total loans | $507,178,200 | 1,168 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9191% | 1,438 |
| Cost of funding earning assets | 0.4406% | 1,026 |
| Net interest margin | 3.4785% | 1,724 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.8097% | 3,970 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.8368% | 397 |
| Return on assets (ROA) | 1.8386% | 384 |
| Pretax return on assets | 1.9136% | 563 |
| Return on Equity (ROE) | 17.9000% | 654 |
| Retained earnings to average equity (ytd only) | 8.1210% | 1,957 |
| Net charge-offs to loans | -0.0202% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.3170% | 4,312 |
| Assets per employee ($millions) | 7.9332% | 1,357 |
| Cash dividends to net income (ytd only)* | 54.6271% | 1,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0070% | 3,439 |
| Loan loss allowance to noncurrent loans | 163.0275% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 653 |
| Noncurrent loans to loans | 0.6177% | 1,313 |
| Net loans and leases to total assets | 85.7900% | 134 |
| Net loans and leases to deposits | 96.0094% | 553 |
| Net loans and leases to core deposits | 102.6455% | 711 |
| Total domestic deposits to total assets | 89.3600% | 1,935 |
| Equity capital to assets | 9.6172% | 1,819 |
| Core capital (leverage) ratio | 10.6460% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9830% | 2,476 |
| Memoranda: |
| Average total assets | $581,441,250 | 1,538 |
| Average earning assets | $558,613,000 | 1,488 |
| Average equity | $59,728,500 | 1,425 |
| Average total loans | $494,996,250 | 1,183 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7900% | 1,335 |
| Cost of funding earning assets | 0.3889% | 993 |
| Net interest margin | 3.4012% | 1,602 |
| Noninterest income to average assets | 0.5042% | 2,177 |
| Noninterest expense to average assets | 1.8043% | 3,942 |
| Loan and lease loss provision to assets | 0.0525% | 1,640 |
| Net operating income to assets | 1.8549% | 299 |
| Return on assets (ROA) | 1.8519% | 298 |
| Pretax return on assets | 1.9156% | 453 |
| Return on Equity (ROE) | 17.6270% | 512 |
| Retained earnings to average equity (ytd only) | 7.6362% | 1,753 |
| Net charge-offs to loans | -0.0211% | 3,897 |
| Credit loss provision to net charge-offs | -294.1176% | 3,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7898% | 4,356 |
| Assets per employee ($millions) | 7.3517% | 1,698 |
| Cash dividends to net income (ytd only)* | 56.6786% | 1,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0002% | 3,594 |
| Loan loss allowance to noncurrent loans | 132.0411% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 854 |
| Noncurrent loans to loans | 0.7575% | 1,135 |
| Net loans and leases to total assets | 84.2630% | 176 |
| Net loans and leases to deposits | 93.8201% | 527 |
| Net loans and leases to core deposits | 98.9927% | 712 |
| Total domestic deposits to total assets | 89.8134% | 1,791 |
| Equity capital to assets | 10.0342% | 1,699 |
| Core capital (leverage) ratio | 10.7494% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3841% | 2,347 |
| Memoranda: |
| Average total assets | $571,636,667 | 1,569 |
| Average earning assets | $549,812,000 | 1,522 |
| Average equity | $60,055,667 | 1,436 |
| Average total loans | $483,527,333 | 1,199 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6933% | 1,288 |
| Cost of funding earning assets | 0.3864% | 947 |
| Net interest margin | 3.3070% | 1,551 |
| Noninterest income to average assets | 0.5098% | 2,099 |
| Noninterest expense to average assets | 1.7871% | 3,970 |
| Loan and lease loss provision to assets | 0.0355% | 1,724 |
| Net operating income to assets | 1.8396% | 303 |
| Return on assets (ROA) | 1.8382% | 306 |
| Pretax return on assets | 1.8701% | 470 |
| Return on Equity (ROE) | 17.0959% | 412 |
| Retained earnings to average equity (ytd only) | 7.1910% | 1,835 |
| Net charge-offs to loans | -0.0227% | 3,982 |
| Credit loss provision to net charge-offs | -185.1852% | 2,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3759% | 4,386 |
| Assets per employee ($millions) | 7.6058% | 1,623 |
| Cash dividends to net income (ytd only)* | 57.9374% | 1,096 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0146% | 3,657 |
| Loan loss allowance to noncurrent loans | 123.8711% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 819 |
| Noncurrent loans to loans | 0.8191% | 1,157 |
| Net loans and leases to total assets | 83.5102% | 102 |
| Net loans and leases to deposits | 93.3728% | 387 |
| Net loans and leases to core deposits | 98.2855% | 569 |
| Total domestic deposits to total assets | 89.4374% | 1,853 |
| Equity capital to assets | 10.4204% | 1,624 |
| Core capital (leverage) ratio | 10.8022% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6944% | 2,346 |
| Memoranda: |
| Average total assets | $563,386,000 | 1,596 |
| Average earning assets | $542,493,500 | 1,557 |
| Average equity | $60,576,000 | 1,470 |
| Average total loans | $474,996,000 | 1,208 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0267% | 1,300 |
| Cost of funding earning assets | 0.5236% | 824 |
| Net interest margin | 3.5031% | 1,722 |
| Noninterest income to average assets | 0.7748% | 1,520 |
| Noninterest expense to average assets | 1.9489% | 3,816 |
| Loan and lease loss provision to assets | 0.0365% | 2,313 |
| Net operating income to assets | 2.0428% | 314 |
| Return on assets (ROA) | 2.0390% | 332 |
| Pretax return on assets | 2.1470% | 459 |
| Return on Equity (ROE) | 17.6828% | 496 |
| Retained earnings to average equity (ytd only) | 1.9296% | 3,994 |
| Net charge-offs to loans | -0.0225% | 4,022 |
| Credit loss provision to net charge-offs | -200.0000% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1164% | 4,451 |
| Assets per employee ($millions) | 7.0422% | 1,900 |
| Cash dividends to net income (ytd only)* | 89.0877% | 348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0253% | 3,642 |
| Loan loss allowance to noncurrent loans | 113.9943% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 810 |
| Noncurrent loans to loans | 0.8994% | 1,124 |
| Net loans and leases to total assets | 83.3904% | 130 |
| Net loans and leases to deposits | 93.9837% | 382 |
| Net loans and leases to core deposits | 100.1276% | 530 |
| Total domestic deposits to total assets | 88.7286% | 1,652 |
| Equity capital to assets | 11.0922% | 1,744 |
| Core capital (leverage) ratio | 10.8553% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8126% | 2,312 |
| Memoranda: |
| Average total assets | $548,304,600 | 1,582 |
| Average earning assets | $526,168,800 | 1,531 |
| Average equity | $63,225,200 | 1,453 |
| Average total loans | $444,304,800 | 1,272 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1093% | 1,289 |
| Cost of funding earning assets | 0.5554% | 808 |
| Net interest margin | 3.5539% | 1,723 |
| Noninterest income to average assets | 0.8276% | 1,448 |
| Noninterest expense to average assets | 1.9276% | 3,873 |
| Loan and lease loss provision to assets | 0.0489% | 2,018 |
| Net operating income to assets | 2.1460% | 355 |
| Return on assets (ROA) | 2.1414% | 380 |
| Pretax return on assets | 2.2537% | 498 |
| Return on Equity (ROE) | 18.3925% | 581 |
| Retained earnings to average equity (ytd only) | 10.3429% | 1,215 |
| Net charge-offs to loans | -0.0250% | 4,057 |
| Credit loss provision to net charge-offs | -243.9024% | 3,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5164% | 4,526 |
| Assets per employee ($millions) | 7.2533% | 1,708 |
| Cash dividends to net income (ytd only)* | 43.7657% | 1,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0822% | 3,520 |
| Loan loss allowance to noncurrent loans | 113.2986% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 960 |
| Noncurrent loans to loans | 0.9552% | 1,204 |
| Net loans and leases to total assets | 78.3614% | 377 |
| Net loans and leases to deposits | 89.0966% | 654 |
| Net loans and leases to core deposits | 95.9797% | 746 |
| Total domestic deposits to total assets | 87.9511% | 1,876 |
| Equity capital to assets | 11.7782% | 1,500 |
| Core capital (leverage) ratio | 11.5918% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5766% | 1,774 |
| Memoranda: |
| Average total assets | $546,297,000 | 1,591 |
| Average earning assets | $523,771,750 | 1,546 |
| Average equity | $63,604,000 | 1,465 |
| Average total loans | $438,197,000 | 1,309 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0495% | 1,453 |
| Cost of funding earning assets | 0.5927% | 773 |
| Net interest margin | 3.4568% | 1,982 |
| Noninterest income to average assets | 0.8830% | 1,317 |
| Noninterest expense to average assets | 1.9261% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1532% | 370 |
| Return on assets (ROA) | 2.1426% | 390 |
| Pretax return on assets | 2.2566% | 519 |
| Return on Equity (ROE) | 18.4771% | 599 |
| Retained earnings to average equity (ytd only) | 11.0341% | 1,114 |
| Net charge-offs to loans | -0.0261% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9279% | 4,517 |
| Assets per employee ($millions) | 6.5948% | 2,096 |
| Cash dividends to net income (ytd only)* | 40.2823% | 1,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0275% | 3,736 |
| Loan loss allowance to noncurrent loans | 107.5672% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 1,073 |
| Noncurrent loans to loans | 0.9552% | 1,296 |
| Net loans and leases to total assets | 79.3447% | 353 |
| Net loans and leases to deposits | 90.3513% | 631 |
| Net loans and leases to core deposits | 96.3255% | 790 |
| Total domestic deposits to total assets | 87.8180% | 1,932 |
| Equity capital to assets | 11.6334% | 1,552 |
| Core capital (leverage) ratio | 11.4788% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4105% | 1,831 |
| Memoranda: |
| Average total assets | $542,227,000 | 1,592 |
| Average earning assets | $519,320,667 | 1,549 |
| Average equity | $62,878,000 | 1,468 |
| Average total loans | $436,782,000 | 1,312 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9160% | 1,794 |
| Cost of funding earning assets | 0.6435% | 723 |
| Net interest margin | 3.2725% | 2,474 |
| Noninterest income to average assets | 0.8643% | 1,422 |
| Noninterest expense to average assets | 1.8935% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9642% | 597 |
| Return on assets (ROA) | 1.9621% | 648 |
| Pretax return on assets | 2.1053% | 803 |
| Return on Equity (ROE) | 16.9484% | 859 |
| Retained earnings to average equity (ytd only) | 11.1507% | 1,365 |
| Net charge-offs to loans | -0.0277% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3253% | 4,383 |
| Assets per employee ($millions) | 6.9764% | 1,821 |
| Cash dividends to net income (ytd only)* | 34.2075% | 1,579 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0621% | 3,608 |
| Loan loss allowance to noncurrent loans | 91.8963% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9071% | 945 |
| Noncurrent loans to loans | 1.1558% | 1,150 |
| Net loans and leases to total assets | 77.6486% | 488 |
| Net loans and leases to deposits | 88.3273% | 803 |
| Net loans and leases to core deposits | 95.4642% | 907 |
| Total domestic deposits to total assets | 87.9102% | 1,889 |
| Equity capital to assets | 11.5226% | 1,528 |
| Core capital (leverage) ratio | 11.4050% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9772% | 1,576 |
| Memoranda: |
| Average total assets | $536,358,500 | 1,594 |
| Average earning assets | $514,099,500 | 1,551 |
| Average equity | $62,094,500 | 1,476 |
| Average total loans | $433,121,000 | 1,321 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4332% | 1,488 |
| Cost of funding earning assets | 1.0148% | 564 |
| Net interest margin | 3.4184% | 2,715 |
| Noninterest income to average assets | 0.8062% | 1,516 |
| Noninterest expense to average assets | 2.0409% | 4,060 |
| Loan and lease loss provision to assets | 0.7254% | 206 |
| Net operating income to assets | 1.2324% | 1,439 |
| Return on assets (ROA) | 1.2359% | 1,533 |
| Pretax return on assets | 1.3008% | 1,975 |
| Return on Equity (ROE) | 10.6343% | 1,762 |
| Retained earnings to average equity (ytd only) | 5.6546% | 1,968 |
| Net charge-offs to loans | 0.7866% | 185 |
| Credit loss provision to net charge-offs | 109.2735% | 2,731 |
| Earnings coverage of net charge-offs (x) | 3.0467% | 3,117 |
| Efficiency ratio | 50.2268% | 4,518 |
| Assets per employee ($millions) | 6.4458% | 1,958 |
| Cash dividends to net income (ytd only)* | 46.8274% | 2,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0260% | 3,775 |
| Loan loss allowance to noncurrent loans | 66.6864% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 638 |
| Noncurrent loans to loans | 1.5386% | 862 |
| Net loans and leases to total assets | 82.2366% | 274 |
| Net loans and leases to deposits | 93.2834% | 702 |
| Net loans and leases to core deposits | 101.6969% | 828 |
| Total domestic deposits to total assets | 88.1578% | 1,400 |
| Equity capital to assets | 11.6332% | 1,785 |
| Core capital (leverage) ratio | 11.2783% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0952% | 1,823 |
| Memoranda: |
| Average total assets | $510,072,400 | 1,520 |
| Average earning assets | $486,018,600 | 1,484 |
| Average equity | $59,279,600 | 1,461 |
| Average total loans | $430,482,800 | 1,271 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6004% | 1,306 |
| Cost of funding earning assets | 1.0918% | 554 |
| Net interest margin | 3.5086% | 2,564 |
| Noninterest income to average assets | 0.8024% | 1,485 |
| Noninterest expense to average assets | 2.1026% | 3,938 |
| Loan and lease loss provision to assets | 0.9760% | 151 |
| Net operating income to assets | 1.0122% | 2,294 |
| Return on assets (ROA) | 1.0182% | 2,396 |
| Pretax return on assets | 1.0710% | 2,852 |
| Return on Equity (ROE) | 8.7634% | 2,493 |
| Retained earnings to average equity (ytd only) | 3.8595% | 3,114 |
| Net charge-offs to loans | 1.0624% | 129 |
| Credit loss provision to net charge-offs | 108.4090% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.2666% | 3,005 |
| Efficiency ratio | 50.7481% | 4,443 |
| Assets per employee ($millions) | 6.4993% | 1,833 |
| Cash dividends to net income (ytd only)* | 55.9585% | 1,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0331% | 3,548 |
| Loan loss allowance to noncurrent loans | 66.6220% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2930% | 736 |
| Noncurrent loans to loans | 1.5507% | 913 |
| Net loans and leases to total assets | 82.5209% | 395 |
| Net loans and leases to deposits | 93.5721% | 958 |
| Net loans and leases to core deposits | 102.6877% | 997 |
| Total domestic deposits to total assets | 88.1896% | 1,124 |
| Equity capital to assets | 11.5248% | 1,988 |
| Core capital (leverage) ratio | 11.1894% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0642% | 1,808 |
| Memoranda: |
| Average total assets | $505,451,000 | 1,507 |
| Average earning assets | $481,280,000 | 1,475 |
| Average equity | $58,727,500 | 1,461 |
| Average total loans | $428,310,000 | 1,268 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7818% | 1,217 |
| Cost of funding earning assets | 1.1656% | 573 |
| Net interest margin | 3.6162% | 2,431 |
| Noninterest income to average assets | 0.6552% | 1,917 |
| Noninterest expense to average assets | 2.0846% | 4,067 |
| Loan and lease loss provision to assets | 0.9588% | 225 |
| Net operating income to assets | 1.0022% | 2,322 |
| Return on assets (ROA) | 1.0147% | 2,396 |
| Pretax return on assets | 1.0655% | 2,817 |
| Return on Equity (ROE) | 8.7092% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.7717% | 3,029 |
| Net charge-offs to loans | -0.0427% | 4,643 |
| Credit loss provision to net charge-offs | -2,637.3626% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8974% | 4,451 |
| Assets per employee ($millions) | 6.3369% | 1,919 |
| Cash dividends to net income (ytd only)* | 56.6929% | 1,334 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5325% | 1,171 |
| Loan loss allowance to noncurrent loans | 67.8133% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9200% | 398 |
| Noncurrent loans to loans | 2.2598% | 548 |
| Net loans and leases to total assets | 83.6596% | 278 |
| Net loans and leases to deposits | 95.1241% | 863 |
| Net loans and leases to core deposits | 105.4237% | 917 |
| Total domestic deposits to total assets | 87.9479% | 1,203 |
| Equity capital to assets | 11.5565% | 1,933 |
| Core capital (leverage) ratio | 11.2570% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0780% | 1,779 |
| Memoranda: |
| Average total assets | $500,621,333 | 1,497 |
| Average earning assets | $476,305,333 | 1,468 |
| Average equity | $58,329,333 | 1,457 |
| Average total loans | $426,567,333 | 1,265 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3886% | 2,659 |
| Cost of funding earning assets | 1.2753% | 609 |
| Net interest margin | 3.1133% | 4,063 |
| Noninterest income to average assets | 0.5349% | 2,363 |
| Noninterest expense to average assets | 1.9818% | 4,434 |
| Loan and lease loss provision to assets | 0.3237% | 957 |
| Net operating income to assets | 1.1335% | 1,743 |
| Return on assets (ROA) | 1.1596% | 1,768 |
| Pretax return on assets | 1.2203% | 2,126 |
| Return on Equity (ROE) | 9.9110% | 1,775 |
| Retained earnings to average equity (ytd only) | 4.9313% | 2,303 |
| Net charge-offs to loans | -0.0209% | 4,347 |
| Credit loss provision to net charge-offs | -1,818.1818% | 3,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6505% | 4,144 |
| Assets per employee ($millions) | 6.0373% | 1,647 |
| Cash dividends to net income (ytd only)* | 50.2442% | 1,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0839% | 3,292 |
| Loan loss allowance to noncurrent loans | 37.2127% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 2.5754% | 259 |
| Noncurrent loans to loans | 2.9127% | 377 |
| Net loans and leases to total assets | 86.1073% | 136 |
| Net loans and leases to deposits | 98.2065% | 689 |
| Net loans and leases to core deposits | 109.6034% | 869 |
| Total domestic deposits to total assets | 87.6798% | 1,238 |
| Equity capital to assets | 11.9476% | 2,108 |
| Core capital (leverage) ratio | 11.6440% | 1,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4317% | 2,103 |
| Memoranda: |
| Average total assets | $494,288,500 | 1,477 |
| Average earning assets | $470,495,000 | 1,444 |
| Average equity | $57,835,000 | 1,458 |
| Average total loans | $421,802,500 | 1,241 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8733% | 1,836 |
| Cost of funding earning assets | 1.3784% | 605 |
| Net interest margin | 3.4948% | 3,460 |
| Noninterest income to average assets | 0.5033% | 2,717 |
| Noninterest expense to average assets | 2.0189% | 4,504 |
| Loan and lease loss provision to assets | 0.0426% | 3,156 |
| Net operating income to assets | 1.6766% | 695 |
| Return on assets (ROA) | 1.6663% | 761 |
| Pretax return on assets | 1.7541% | 1,059 |
| Return on Equity (ROE) | 14.4093% | 815 |
| Retained earnings to average equity (ytd only) | 9.3217% | 630 |
| Net charge-offs to loans | -0.0347% | 4,743 |
| Credit loss provision to net charge-offs | -143.8849% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7603% | 4,546 |
| Assets per employee ($millions) | 6.1674% | 1,508 |
| Cash dividends to net income (ytd only)* | 35.3077% | 2,845 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0031% | 3,489 |
| Loan loss allowance to noncurrent loans | 73.6472% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 1,050 |
| Noncurrent loans to loans | 1.3620% | 1,095 |
| Net loans and leases to total assets | 82.8168% | 449 |
| Net loans and leases to deposits | 93.8532% | 1,169 |
| Net loans and leases to core deposits | 105.5715% | 1,136 |
| Total domestic deposits to total assets | 88.2408% | 1,008 |
| Equity capital to assets | 11.4589% | 2,564 |
| Core capital (leverage) ratio | 11.6184% | 2,025 |
| Tier 1 risk-based capital ratio | 13.4679% | 3,541 |
| Total risk-based capital ratio | 14.4833% | 3,553 |
| Memoranda: |
| Average total assets | $469,123,800 | 1,496 |
| Average earning assets | $446,085,000 | 1,466 |
| Average equity | $54,249,600 | 1,489 |
| Average total loans | $401,085,200 | 1,265 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8777% | 1,881 |
| Cost of funding earning assets | 1.3862% | 595 |
| Net interest margin | 3.4914% | 3,585 |
| Noninterest income to average assets | 0.4770% | 2,871 |
| Noninterest expense to average assets | 2.0535% | 4,449 |
| Loan and lease loss provision to assets | 0.0578% | 2,744 |
| Net operating income to assets | 1.6047% | 921 |
| Return on assets (ROA) | 1.5910% | 997 |
| Pretax return on assets | 1.6750% | 1,406 |
| Return on Equity (ROE) | 13.7240% | 1,043 |
| Retained earnings to average equity (ytd only) | 8.6401% | 1,153 |
| Net charge-offs to loans | -0.0175% | 4,550 |
| Credit loss provision to net charge-offs | -384.6154% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0286% | 4,391 |
| Assets per employee ($millions) | 5.7016% | 1,849 |
| Cash dividends to net income (ytd only)* | 37.0438% | 2,279 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0129% | 3,498 |
| Loan loss allowance to noncurrent loans | 70.9103% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 836 |
| Noncurrent loans to loans | 1.4284% | 1,066 |
| Net loans and leases to total assets | 84.7717% | 271 |
| Net loans and leases to deposits | 96.4673% | 964 |
| Net loans and leases to core deposits | 108.1275% | 1,049 |
| Total domestic deposits to total assets | 87.8761% | 1,091 |
| Equity capital to assets | 11.7915% | 2,423 |
| Core capital (leverage) ratio | 11.7431% | 2,046 |
| Tier 1 risk-based capital ratio | 13.5373% | 3,549 |
| Total risk-based capital ratio | 14.5662% | 3,578 |
| Memoranda: |
| Average total assets | $461,515,000 | 1,528 |
| Average earning assets | $439,352,250 | 1,491 |
| Average equity | $53,501,000 | 1,506 |
| Average total loans | $396,878,750 | 1,282 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8199% | 1,999 |
| Cost of funding earning assets | 1.3636% | 608 |
| Net interest margin | 3.4563% | 3,723 |
| Noninterest income to average assets | 0.4401% | 3,013 |
| Noninterest expense to average assets | 2.0773% | 4,454 |
| Loan and lease loss provision to assets | 0.0874% | 2,095 |
| Net operating income to assets | 1.4954% | 1,162 |
| Return on assets (ROA) | 1.4746% | 1,270 |
| Pretax return on assets | 1.5524% | 1,690 |
| Return on Equity (ROE) | 12.7962% | 1,304 |
| Retained earnings to average equity (ytd only) | 7.5624% | 1,571 |
| Net charge-offs to loans | -0.0162% | 4,481 |
| Credit loss provision to net charge-offs | -625.0000% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5582% | 4,298 |
| Assets per employee ($millions) | 5.5786% | 1,895 |
| Cash dividends to net income (ytd only)* | 40.9010% | 2,169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0179% | 3,513 |
| Loan loss allowance to noncurrent loans | 69.7694% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 853 |
| Noncurrent loans to loans | 1.4590% | 1,060 |
| Net loans and leases to total assets | 85.7881% | 231 |
| Net loans and leases to deposits | 97.7635% | 866 |
| Net loans and leases to core deposits | 109.4086% | 1,005 |
| Total domestic deposits to total assets | 87.7506% | 1,225 |
| Equity capital to assets | 11.7060% | 2,440 |
| Core capital (leverage) ratio | 11.4764% | 2,191 |
| Tier 1 risk-based capital ratio | 13.3947% | 3,634 |
| Total risk-based capital ratio | 14.4363% | 3,651 |
| Memoranda: |
| Average total assets | $457,610,000 | 1,540 |
| Average earning assets | $436,772,670 | 1,505 |
| Average equity | $52,734,330 | 1,519 |
| Average total loans | $394,081,670 | 1,297 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7742% | 1,973 |
| Cost of funding earning assets | 1.3065% | 650 |
| Net interest margin | 3.4677% | 3,687 |
| Noninterest income to average assets | 0.4036% | 3,157 |
| Noninterest expense to average assets | 2.1262% | 4,421 |
| Loan and lease loss provision to assets | 0.1759% | 951 |
| Net operating income to assets | 1.3382% | 1,565 |
| Return on assets (ROA) | 1.3366% | 1,607 |
| Pretax return on assets | 1.4069% | 2,059 |
| Return on Equity (ROE) | 11.6922% | 1,658 |
| Retained earnings to average equity (ytd only) | 6.1538% | 2,385 |
| Net charge-offs to loans | 0.0318% | 1,815 |
| Credit loss provision to net charge-offs | 645.1613% | 515 |
| Earnings coverage of net charge-offs (x) | 58.1290% | 927 |
| Efficiency ratio | 57.2986% | 4,169 |
| Assets per employee ($millions) | 5.6136% | 1,874 |
| Cash dividends to net income (ytd only)* | 47.3684% | 1,701 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0195% | 3,585 |
| Loan loss allowance to noncurrent loans | 77.6748% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3033% | 999 |
| Noncurrent loans to loans | 1.3125% | 1,248 |
| Net loans and leases to total assets | 85.8800% | 199 |
| Net loans and leases to deposits | 97.4245% | 848 |
| Net loans and leases to core deposits | 108.7556% | 1,002 |
| Total domestic deposits to total assets | 88.1503% | 1,260 |
| Equity capital to assets | 11.5792% | 2,324 |
| Core capital (leverage) ratio | 11.3787% | 2,228 |
| Tier 1 risk-based capital ratio | 13.2763% | 3,728 |
| Total risk-based capital ratio | 14.3163% | 3,754 |
| Memoranda: |
| Average total assets | $454,901,500 | 1,561 |
| Average earning assets | $433,829,000 | 1,524 |
| Average equity | $52,000,500 | 1,527 |
| Average total loans | $390,469,000 | 1,311 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4521% | 2,599 |
| Cost of funding earning assets | 0.9897% | 793 |
| Net interest margin | 3.4624% | 3,827 |
| Noninterest income to average assets | 0.4489% | 3,107 |
| Noninterest expense to average assets | 2.1369% | 4,480 |
| Loan and lease loss provision to assets | 0.1737% | 1,145 |
| Net operating income to assets | 1.3682% | 1,540 |
| Return on assets (ROA) | 1.3651% | 1,539 |
| Pretax return on assets | 1.4374% | 2,000 |
| Return on Equity (ROE) | 11.7731% | 1,792 |
| Retained earnings to average equity (ytd only) | 5.8037% | 2,291 |
| Net charge-offs to loans | 0.1937% | 992 |
| Credit loss provision to net charge-offs | 104.6025% | 2,432 |
| Earnings coverage of net charge-offs (x) | 9.7197% | 2,788 |
| Efficiency ratio | 56.9655% | 4,285 |
| Assets per employee ($millions) | 5.2919% | 2,154 |
| Cash dividends to net income (ytd only)* | 50.7042% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9971% | 3,721 |
| Loan loss allowance to noncurrent loans | 79.4761% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 1,272 |
| Noncurrent loans to loans | 1.2546% | 1,270 |
| Net loans and leases to total assets | 84.0616% | 411 |
| Net loans and leases to deposits | 95.0075% | 1,170 |
| Net loans and leases to core deposits | 105.5468% | 1,301 |
| Total domestic deposits to total assets | 88.4788% | 1,077 |
| Equity capital to assets | 11.2832% | 2,430 |
| Core capital (leverage) ratio | 11.5081% | 2,097 |
| Tier 1 risk-based capital ratio | 13.3473% | 3,632 |
| Total risk-based capital ratio | 14.3649% | 3,669 |
| Memoranda: |
| Average total assets | $431,691,000 | 1,588 |
| Average earning assets | $411,734,800 | 1,553 |
| Average equity | $50,054,600 | 1,519 |
| Average total loans | $370,231,400 | 1,334 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4243% | 2,552 |
| Cost of funding earning assets | 0.9272% | 813 |
| Net interest margin | 3.4971% | 3,707 |
| Noninterest income to average assets | 0.4459% | 3,196 |
| Noninterest expense to average assets | 2.1610% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5406% | 1,091 |
| Return on assets (ROA) | 1.5367% | 1,103 |
| Pretax return on assets | 1.6181% | 1,523 |
| Return on Equity (ROE) | 13.1585% | 1,367 |
| Retained earnings to average equity (ytd only) | 6.9171% | 2,171 |
| Net charge-offs to loans | -0.5509% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1216% | 4,240 |
| Assets per employee ($millions) | 5.0499% | 2,409 |
| Cash dividends to net income (ytd only)* | 47.4327% | 1,692 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4147% | 1,644 |
| Loan loss allowance to noncurrent loans | 539.7773% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 3,808 |
| Noncurrent loans to loans | 0.2621% | 3,745 |
| Net loans and leases to total assets | 85.5721% | 304 |
| Net loans and leases to deposits | 100.1639% | 771 |
| Net loans and leases to core deposits | 109.0547% | 1,096 |
| Total domestic deposits to total assets | 85.4321% | 2,438 |
| Equity capital to assets | 11.6827% | 2,122 |
| Core capital (leverage) ratio | 11.8474% | 1,881 |
| Tier 1 risk-based capital ratio | 13.7610% | 3,482 |
| Total risk-based capital ratio | 15.0136% | 3,402 |
| Memoranda: |
| Average total assets | $425,838,500 | 1,617 |
| Average earning assets | $406,384,750 | 1,576 |
| Average equity | $49,730,750 | 1,533 |
| Average total loans | $366,184,750 | 1,345 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3657% | 2,523 |
| Cost of funding earning assets | 0.8850% | 773 |
| Net interest margin | 3.4807% | 3,699 |
| Noninterest income to average assets | 0.4350% | 3,254 |
| Noninterest expense to average assets | 2.1465% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5285% | 1,082 |
| Return on assets (ROA) | 1.5191% | 1,109 |
| Pretax return on assets | 1.5994% | 1,503 |
| Return on Equity (ROE) | 13.0093% | 1,367 |
| Retained earnings to average equity (ytd only) | 6.8387% | 2,149 |
| Net charge-offs to loans | -0.5477% | 5,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1501% | 4,340 |
| Assets per employee ($millions) | 4.8769% | 2,592 |
| Cash dividends to net income (ytd only)* | 47.4323% | 1,791 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3316% | 2,024 |
| Loan loss allowance to noncurrent loans | 251.9895% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 2,922 |
| Noncurrent loans to loans | 0.5284% | 2,834 |
| Net loans and leases to total assets | 84.0563% | 455 |
| Net loans and leases to deposits | 95.8079% | 1,164 |
| Net loans and leases to core deposits | 103.9163% | 1,403 |
| Total domestic deposits to total assets | 87.7342% | 1,515 |
| Equity capital to assets | 11.7930% | 1,997 |
| Core capital (leverage) ratio | 11.7071% | 1,904 |
| Tier 1 risk-based capital ratio | 14.1182% | 3,306 |
| Total risk-based capital ratio | 15.3698% | 3,224 |
| Memoranda: |
| Average total assets | $423,021,330 | 1,628 |
| Average earning assets | $403,597,330 | 1,597 |
| Average equity | $49,395,330 | 1,547 |
| Average total loans | $362,591,670 | 1,354 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2957% | 2,534 |
| Cost of funding earning assets | 0.8355% | 809 |
| Net interest margin | 3.4602% | 3,671 |
| Noninterest income to average assets | 0.4280% | 3,258 |
| Noninterest expense to average assets | 2.1232% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5229% | 1,026 |
| Return on assets (ROA) | 1.5067% | 1,065 |
| Pretax return on assets | 1.5862% | 1,428 |
| Return on Equity (ROE) | 12.9680% | 1,269 |
| Retained earnings to average equity (ytd only) | 7.0994% | 2,234 |
| Net charge-offs to loans | -0.2974% | 5,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9759% | 4,467 |
| Assets per employee ($millions) | 5.2003% | 2,252 |
| Cash dividends to net income (ytd only)* | 45.2546% | 1,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1352% | 3,174 |
| Loan loss allowance to noncurrent loans | 266.7971% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,327 |
| Noncurrent loans to loans | 0.4255% | 3,262 |
| Net loans and leases to total assets | 84.5616% | 381 |
| Net loans and leases to deposits | 95.9944% | 1,035 |
| Net loans and leases to core deposits | 103.6577% | 1,402 |
| Total domestic deposits to total assets | 88.0901% | 1,568 |
| Equity capital to assets | 11.7091% | 1,985 |
| Core capital (leverage) ratio | 11.6711% | 1,875 |
| Tier 1 risk-based capital ratio | 13.9784% | 3,390 |
| Total risk-based capital ratio | 15.1570% | 3,344 |
| Memoranda: |
| Average total assets | $422,385,500 | 1,646 |
| Average earning assets | $402,634,500 | 1,609 |
| Average equity | $49,074,500 | 1,559 |
| Average total loans | $363,158,500 | 1,361 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2528% | 2,484 |
| Cost of funding earning assets | 0.6966% | 1,042 |
| Net interest margin | 3.5563% | 3,316 |
| Noninterest income to average assets | 0.5096% | 2,942 |
| Noninterest expense to average assets | 2.1198% | 4,721 |
| Loan and lease loss provision to assets | -0.1229% | 5,508 |
| Net operating income to assets | 1.8083% | 411 |
| Return on assets (ROA) | 1.8251% | 403 |
| Pretax return on assets | 1.9200% | 580 |
| Return on Equity (ROE) | 15.7428% | 513 |
| Retained earnings to average equity (ytd only) | 8.4407% | 632 |
| Net charge-offs to loans | -0.1204% | 5,421 |
| Credit loss provision to net charge-offs | 120.7729% | 2,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3655% | 4,922 |
| Assets per employee ($millions) | 5.2943% | 2,155 |
| Cash dividends to net income (ytd only)* | 46.3838% | 2,511 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0436% | 3,663 |
| Loan loss allowance to noncurrent loans | 252.4785% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 3,352 |
| Noncurrent loans to loans | 0.4134% | 3,290 |
| Net loans and leases to total assets | 85.5191% | 287 |
| Net loans and leases to deposits | 98.5163% | 861 |
| Net loans and leases to core deposits | 104.7961% | 1,356 |
| Total domestic deposits to total assets | 86.8070% | 2,083 |
| Equity capital to assets | 11.5282% | 2,182 |
| Core capital (leverage) ratio | 11.6398% | 1,838 |
| Tier 1 risk-based capital ratio | 13.4862% | 3,632 |
| Total risk-based capital ratio | 14.5676% | 3,644 |
| Memoranda: |
| Average total assets | $406,827,200 | 1,679 |
| Average earning assets | $387,765,000 | 1,639 |
| Average equity | $47,164,400 | 1,597 |
| Average total loans | $343,759,000 | 1,393 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2593% | 2,395 |
| Cost of funding earning assets | 0.6722% | 1,108 |
| Net interest margin | 3.5872% | 3,203 |
| Noninterest income to average assets | 0.5321% | 2,828 |
| Noninterest expense to average assets | 2.0825% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7829% | 481 |
| Return on assets (ROA) | 1.7779% | 499 |
| Pretax return on assets | 1.8656% | 754 |
| Return on Equity (ROE) | 15.3127% | 615 |
| Retained earnings to average equity (ytd only) | 8.2282% | 1,122 |
| Net charge-offs to loans | -0.1222% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6761% | 5,047 |
| Assets per employee ($millions) | 5.1626% | 2,271 |
| Cash dividends to net income (ytd only)* | 46.2656% | 1,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2289% | 2,749 |
| Loan loss allowance to noncurrent loans | 148.2419% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 2,389 |
| Noncurrent loans to loans | 0.8290% | 2,293 |
| Net loans and leases to total assets | 84.1481% | 419 |
| Net loans and leases to deposits | 95.8647% | 1,123 |
| Net loans and leases to core deposits | 102.4651% | 1,511 |
| Total domestic deposits to total assets | 87.7780% | 1,476 |
| Equity capital to assets | 11.9672% | 1,985 |
| Core capital (leverage) ratio | 11.6453% | 1,921 |
| Tier 1 risk-based capital ratio | 14.0780% | 3,405 |
| Total risk-based capital ratio | 15.3282% | 3,318 |
| Memoranda: |
| Average total assets | $402,648,250 | 1,704 |
| Average earning assets | $384,027,250 | 1,661 |
| Average equity | $46,748,750 | 1,621 |
| Average total loans | $338,191,250 | 1,425 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2755% | 2,208 |
| Cost of funding earning assets | 0.6439% | 1,181 |
| Net interest margin | 3.6315% | 2,907 |
| Noninterest income to average assets | 0.4505% | 3,347 |
| Noninterest expense to average assets | 2.1116% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7208% | 542 |
| Return on assets (ROA) | 1.7132% | 557 |
| Pretax return on assets | 1.7991% | 840 |
| Return on Equity (ROE) | 14.9087% | 677 |
| Retained earnings to average equity (ytd only) | 8.3210% | 1,050 |
| Net charge-offs to loans | -0.1486% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8852% | 5,025 |
| Assets per employee ($millions) | 5.4584% | 1,913 |
| Cash dividends to net income (ytd only)* | 44.1867% | 2,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2071% | 2,971 |
| Loan loss allowance to noncurrent loans | 224.1640% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 3,299 |
| Noncurrent loans to loans | 0.5385% | 3,140 |
| Net loans and leases to total assets | 83.0845% | 539 |
| Net loans and leases to deposits | 95.7714% | 1,102 |
| Net loans and leases to core deposits | 102.0731% | 1,506 |
| Total domestic deposits to total assets | 86.7530% | 2,065 |
| Equity capital to assets | 11.5557% | 2,271 |
| Core capital (leverage) ratio | 11.2743% | 2,150 |
| Tier 1 risk-based capital ratio | 13.7073% | 3,581 |
| Total risk-based capital ratio | 14.9570% | 3,503 |
| Memoranda: |
| Average total assets | $402,636,330 | 1,706 |
| Average earning assets | $384,520,000 | 1,662 |
| Average equity | $46,268,330 | 1,639 |
| Average total loans | $336,566,000 | 1,430 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3622% | 1,774 |
| Cost of funding earning assets | 0.6184% | 1,249 |
| Net interest margin | 3.7438% | 2,335 |
| Noninterest income to average assets | 0.4418% | 3,363 |
| Noninterest expense to average assets | 2.0538% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8765% | 385 |
| Return on assets (ROA) | 1.8765% | 400 |
| Pretax return on assets | 1.9666% | 540 |
| Return on Equity (ROE) | 16.3763% | 479 |
| Retained earnings to average equity (ytd only) | 10.0811% | 790 |
| Net charge-offs to loans | -0.1611% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0840% | 5,322 |
| Assets per employee ($millions) | 5.7695% | 1,674 |
| Cash dividends to net income (ytd only)* | 38.4410% | 2,057 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1986% | 3,145 |
| Loan loss allowance to noncurrent loans | 178.6820% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,994 |
| Noncurrent loans to loans | 0.6708% | 2,835 |
| Net loans and leases to total assets | 82.4621% | 519 |
| Net loans and leases to deposits | 96.3331% | 909 |
| Net loans and leases to core deposits | 101.8331% | 1,381 |
| Total domestic deposits to total assets | 85.6010% | 2,840 |
| Equity capital to assets | 11.4940% | 2,182 |
| Core capital (leverage) ratio | 11.4266% | 2,003 |
| Tier 1 risk-based capital ratio | 13.7294% | 3,646 |
| Total risk-based capital ratio | 14.9672% | 3,554 |
| Memoranda: |
| Average total assets | $399,263,500 | 1,734 |
| Average earning assets | $381,644,500 | 1,685 |
| Average equity | $45,749,000 | 1,653 |
| Average total loans | $332,704,500 | 1,449 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3671% | 1,922 |
| Cost of funding earning assets | 0.5488% | 1,702 |
| Net interest margin | 3.8182% | 2,254 |
| Noninterest income to average assets | 0.6654% | 2,343 |
| Noninterest expense to average assets | 2.1307% | 4,936 |
| Loan and lease loss provision to assets | -0.2680% | 5,825 |
| Net operating income to assets | 2.3284% | 189 |
| Return on assets (ROA) | 2.3282% | 197 |
| Pretax return on assets | 2.4509% | 214 |
| Return on Equity (ROE) | 20.0358% | 209 |
| Retained earnings to average equity (ytd only) | 12.7299% | 184 |
| Net charge-offs to loans | -0.0017% | 4,690 |
| Credit loss provision to net charge-offs | 20,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3912% | 5,511 |
| Assets per employee ($millions) | 5.6381% | 1,754 |
| Cash dividends to net income (ytd only)* | 36.4641% | 3,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1896% | 3,182 |
| Loan loss allowance to noncurrent loans | 169.3842% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,984 |
| Noncurrent loans to loans | 0.7023% | 2,785 |
| Net loans and leases to total assets | 82.2039% | 578 |
| Net loans and leases to deposits | 95.4919% | 1,046 |
| Net loans and leases to core deposits | 101.7204% | 1,462 |
| Total domestic deposits to total assets | 86.0847% | 2,541 |
| Equity capital to assets | 11.4218% | 2,230 |
| Core capital (leverage) ratio | 11.3855% | 2,019 |
| Tier 1 risk-based capital ratio | 13.7270% | 3,627 |
| Total risk-based capital ratio | 14.9552% | 3,550 |
| Memoranda: |
| Average total assets | $373,168,400 | 1,795 |
| Average earning assets | $356,579,000 | 1,740 |
| Average equity | $43,362,400 | 1,710 |
| Average total loans | $300,349,400 | 1,512 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4392% | 1,730 |
| Cost of funding earning assets | 0.5365% | 1,822 |
| Net interest margin | 3.9027% | 1,970 |
| Noninterest income to average assets | 0.6580% | 2,373 |
| Noninterest expense to average assets | 2.1102% | 4,992 |
| Loan and lease loss provision to assets | -0.2719% | 5,896 |
| Net operating income to assets | 2.4216% | 177 |
| Return on assets (ROA) | 2.4212% | 186 |
| Pretax return on assets | 2.5481% | 205 |
| Return on Equity (ROE) | 20.7416% | 205 |
| Retained earnings to average equity (ytd only) | 13.8847% | 178 |
| Net charge-offs to loans | -0.0482% | 5,357 |
| Credit loss provision to net charge-offs | 707.5472% | 560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1035% | 5,589 |
| Assets per employee ($millions) | 5.6057% | 1,753 |
| Cash dividends to net income (ytd only)* | 33.0589% | 2,687 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3867% | 2,261 |
| Loan loss allowance to noncurrent loans | 172.0000% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 2,807 |
| Noncurrent loans to loans | 0.8062% | 2,652 |
| Net loans and leases to total assets | 78.2657% | 1,149 |
| Net loans and leases to deposits | 94.4042% | 1,221 |
| Net loans and leases to core deposits | 99.8980% | 1,643 |
| Total domestic deposits to total assets | 82.9049% | 3,633 |
| Equity capital to assets | 11.6525% | 2,398 |
| Core capital (leverage) ratio | 11.6094% | 1,949 |
| Tier 1 risk-based capital ratio | 14.3645% | 3,354 |
| Total risk-based capital ratio | 15.6166% | 3,287 |
| Memoranda: |
| Average total assets | $367,794,250 | 1,823 |
| Average earning assets | $351,409,500 | 1,768 |
| Average equity | $42,933,500 | 1,734 |
| Average total loans | $293,352,750 | 1,550 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4666% | 1,621 |
| Cost of funding earning assets | 0.5242% | 1,912 |
| Net interest margin | 3.9424% | 1,833 |
| Noninterest income to average assets | 0.7022% | 2,135 |
| Noninterest expense to average assets | 2.0721% | 5,117 |
| Loan and lease loss provision to assets | -0.2767% | 5,973 |
| Net operating income to assets | 2.5479% | 143 |
| Return on assets (ROA) | 2.5469% | 143 |
| Pretax return on assets | 2.6797% | 170 |
| Return on Equity (ROE) | 21.8043% | 164 |
| Retained earnings to average equity (ytd only) | 14.7557% | 156 |
| Net charge-offs to loans | 0.0506% | 2,481 |
| Credit loss provision to net charge-offs | -684.9315% | 5,011 |
| Earnings coverage of net charge-offs (x) | 59.5205% | 889 |
| Efficiency ratio | 46.2917% | 5,742 |
| Assets per employee ($millions) | 5.3346% | 1,950 |
| Cash dividends to net income (ytd only)* | 32.3267% | 2,747 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4794% | 1,944 |
| Loan loss allowance to noncurrent loans | 161.7944% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8333% | 2,506 |
| Noncurrent loans to loans | 0.9143% | 2,453 |
| Net loans and leases to total assets | 79.4565% | 996 |
| Net loans and leases to deposits | 93.6119% | 1,322 |
| Net loans and leases to core deposits | 99.3379% | 1,685 |
| Total domestic deposits to total assets | 84.8787% | 2,929 |
| Equity capital to assets | 12.0964% | 2,058 |
| Core capital (leverage) ratio | 11.5391% | 1,962 |
| Tier 1 risk-based capital ratio | 14.6802% | 3,213 |
| Total risk-based capital ratio | 15.9339% | 3,159 |
| Memoranda: |
| Average total assets | $361,461,000 | 1,854 |
| Average earning assets | $346,035,330 | 1,791 |
| Average equity | $42,221,000 | 1,756 |
| Average total loans | $288,809,000 | 1,575 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7660% | 914 |
| Cost of funding earning assets | 0.5157% | 1,982 |
| Net interest margin | 4.2504% | 999 |
| Noninterest income to average assets | 0.8625% | 1,407 |
| Noninterest expense to average assets | 2.0032% | 5,327 |
| Loan and lease loss provision to assets | -0.2772% | 6,045 |
| Net operating income to assets | 3.0419% | 93 |
| Return on assets (ROA) | 3.0398% | 93 |
| Pretax return on assets | 3.2005% | 114 |
| Return on Equity (ROE) | 26.4982% | 82 |
| Retained earnings to average equity (ytd only) | 20.1201% | 93 |
| Net charge-offs to loans | 0.2704% | 778 |
| Credit loss provision to net charge-offs | -128.8660% | 4,274 |
| Earnings coverage of net charge-offs (x) | 13.6031% | 1,727 |
| Efficiency ratio | 40.6433% | 5,951 |
| Assets per employee ($millions) | 5.3001% | 2,030 |
| Cash dividends to net income (ytd only)* | 24.0700% | 2,492 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5578% | 1,759 |
| Loan loss allowance to noncurrent loans | 161.4855% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 2,729 |
| Noncurrent loans to loans | 0.9647% | 2,449 |
| Net loans and leases to total assets | 78.1484% | 1,084 |
| Net loans and leases to deposits | 90.3116% | 1,544 |
| Net loans and leases to core deposits | 95.3909% | 1,856 |
| Total domestic deposits to total assets | 86.5319% | 2,429 |
| Equity capital to assets | 11.8233% | 2,135 |
| Core capital (leverage) ratio | 11.3601% | 2,082 |
| Tier 1 risk-based capital ratio | 14.5560% | 3,366 |
| Total risk-based capital ratio | 15.8104% | 3,302 |
| Memoranda: |
| Average total assets | $360,815,000 | 1,859 |
| Average earning assets | $345,195,000 | 1,800 |
| Average equity | $41,391,500 | 1,786 |
| Average total loans | $286,934,000 | 1,582 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0640% | 3,055 |
| Cost of funding earning assets | 0.5174% | 2,014 |
| Net interest margin | 3.5467% | 3,343 |
| Noninterest income to average assets | 0.5151% | 3,230 |
| Noninterest expense to average assets | 2.2503% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5685% | 752 |
| Return on assets (ROA) | 1.5757% | 766 |
| Pretax return on assets | 1.6601% | 1,083 |
| Return on Equity (ROE) | 13.8317% | 877 |
| Retained earnings to average equity (ytd only) | 4.3000% | 2,920 |
| Net charge-offs to loans | -0.3395% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6577% | 5,179 |
| Assets per employee ($millions) | 5.2351% | 2,076 |
| Cash dividends to net income (ytd only)* | 68.9122% | 1,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7032% | 1,341 |
| Loan loss allowance to noncurrent loans | 305.5486% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 3,103 |
| Noncurrent loans to loans | 0.5574% | 3,499 |
| Net loans and leases to total assets | 78.3056% | 1,081 |
| Net loans and leases to deposits | 91.4321% | 1,459 |
| Net loans and leases to core deposits | 95.4215% | 1,901 |
| Total domestic deposits to total assets | 85.6435% | 2,790 |
| Equity capital to assets | 11.1209% | 2,712 |
| Core capital (leverage) ratio | 10.8860% | 2,510 |
| Tier 1 risk-based capital ratio | 13.6435% | 3,924 |
| Total risk-based capital ratio | 14.8996% | 3,850 |
| Memoranda: |
| Average total assets | $344,806,000 | 1,892 |
| Average earning assets | $329,352,400 | 1,842 |
| Average equity | $39,279,400 | 1,830 |
| Average total loans | $260,971,000 | 1,665 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0171% | 3,270 |
| Cost of funding earning assets | 0.5212% | 2,033 |
| Net interest margin | 3.4959% | 3,552 |
| Noninterest income to average assets | 0.5248% | 3,204 |
| Noninterest expense to average assets | 2.1852% | 5,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5959% | 777 |
| Return on assets (ROA) | 1.5959% | 806 |
| Pretax return on assets | 1.6808% | 1,158 |
| Return on Equity (ROE) | 13.9214% | 927 |
| Retained earnings to average equity (ytd only) | 4.0078% | 3,612 |
| Net charge-offs to loans | -0.0446% | 5,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5239% | 5,282 |
| Assets per employee ($millions) | 5.0588% | 2,226 |
| Cash dividends to net income (ytd only)* | 71.2113% | 981 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5355% | 2,014 |
| Loan loss allowance to noncurrent loans | 147.0588% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 2,521 |
| Noncurrent loans to loans | 1.0441% | 2,389 |
| Net loans and leases to total assets | 76.4292% | 1,325 |
| Net loans and leases to deposits | 87.5963% | 1,960 |
| Net loans and leases to core deposits | 91.6083% | 2,303 |
| Total domestic deposits to total assets | 87.2517% | 1,919 |
| Equity capital to assets | 11.6277% | 2,396 |
| Core capital (leverage) ratio | 11.0516% | 2,432 |
| Tier 1 risk-based capital ratio | 14.2959% | 3,676 |
| Total risk-based capital ratio | 15.5499% | 3,598 |
| Memoranda: |
| Average total assets | $340,702,000 | 1,931 |
| Average earning assets | $325,633,000 | 1,877 |
| Average equity | $39,056,500 | 1,856 |
| Average total loans | $254,274,250 | 1,709 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9997% | 3,286 |
| Cost of funding earning assets | 0.5233% | 2,041 |
| Net interest margin | 3.4764% | 3,597 |
| Noninterest income to average assets | 0.5218% | 3,214 |
| Noninterest expense to average assets | 2.1749% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5842% | 773 |
| Return on assets (ROA) | 1.5842% | 802 |
| Pretax return on assets | 1.6684% | 1,146 |
| Return on Equity (ROE) | 13.8866% | 926 |
| Retained earnings to average equity (ytd only) | 1.6829% | 4,855 |
| Net charge-offs to loans | -0.0184% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5890% | 5,373 |
| Assets per employee ($millions) | 4.9835% | 2,294 |
| Cash dividends to net income (ytd only)* | 87.8810% | 757 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5931% | 1,931 |
| Loan loss allowance to noncurrent loans | 132.7853% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 2,634 |
| Noncurrent loans to loans | 1.1997% | 2,260 |
| Net loans and leases to total assets | 73.6069% | 1,725 |
| Net loans and leases to deposits | 83.3972% | 2,390 |
| Net loans and leases to core deposits | 86.7710% | 2,680 |
| Total domestic deposits to total assets | 88.2606% | 1,511 |
| Equity capital to assets | 11.4764% | 2,437 |
| Core capital (leverage) ratio | 10.9652% | 2,463 |
| Tier 1 risk-based capital ratio | 14.6849% | 3,537 |
| Total risk-based capital ratio | 15.9393% | 3,463 |
| Memoranda: |
| Average total assets | $339,603,330 | 1,955 |
| Average earning assets | $324,474,330 | 1,890 |
| Average equity | $38,742,330 | 1,881 |
| Average total loans | $250,027,330 | 1,744 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8055% | 3,989 |
| Cost of funding earning assets | 0.5208% | 2,105 |
| Net interest margin | 3.2847% | 4,281 |
| Noninterest income to average assets | 0.5083% | 3,228 |
| Noninterest expense to average assets | 2.1426% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4284% | 984 |
| Return on assets (ROA) | 1.4284% | 1,037 |
| Pretax return on assets | 1.5049% | 1,553 |
| Return on Equity (ROE) | 12.5582% | 1,202 |
| Retained earnings to average equity (ytd only) | -6.3101% | 6,008 |
| Net charge-offs to loans | 0.0644% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 31.9750% | 1,110 |
| Efficiency ratio | 58.7419% | 5,253 |
| Assets per employee ($millions) | 4.9982% | 2,359 |
| Cash dividends to net income (ytd only)* | 150.2471% | 366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6415% | 1,919 |
| Loan loss allowance to noncurrent loans | 111.4382% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 2,461 |
| Noncurrent loans to loans | 1.4730% | 1,922 |
| Net loans and leases to total assets | 70.0797% | 2,132 |
| Net loans and leases to deposits | 79.2288% | 2,657 |
| Net loans and leases to core deposits | 82.4131% | 2,919 |
| Total domestic deposits to total assets | 88.4524% | 1,568 |
| Equity capital to assets | 11.3161% | 2,627 |
| Core capital (leverage) ratio | 10.7156% | 2,733 |
| Tier 1 risk-based capital ratio | 14.8400% | 3,521 |
| Total risk-based capital ratio | 16.0947% | 3,454 |
| Memoranda: |
| Average total assets | $339,966,500 | 1,956 |
| Average earning assets | $324,898,500 | 1,898 |
| Average equity | $38,668,000 | 1,893 |
| Average total loans | $248,303,500 | 1,755 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9154% | 4,069 |
| Cost of funding earning assets | 0.5340% | 2,341 |
| Net interest margin | 3.3814% | 4,271 |
| Noninterest income to average assets | 0.4920% | 3,571 |
| Noninterest expense to average assets | 2.1590% | 5,434 |
| Loan and lease loss provision to assets | 0.1207% | 2,163 |
| Net operating income to assets | 1.3552% | 1,178 |
| Return on assets (ROA) | 1.3552% | 1,227 |
| Pretax return on assets | 1.4270% | 1,792 |
| Return on Equity (ROE) | 11.6922% | 1,494 |
| Retained earnings to average equity (ytd only) | 3.1046% | 4,029 |
| Net charge-offs to loans | 0.3722% | 1,160 |
| Credit loss provision to net charge-offs | 45.7666% | 3,576 |
| Earnings coverage of net charge-offs (x) | 5.8707% | 3,336 |
| Efficiency ratio | 58.2472% | 5,431 |
| Assets per employee ($millions) | 5.0008% | 2,321 |
| Cash dividends to net income (ytd only)* | 73.4476% | 1,164 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5779% | 2,164 |
| Loan loss allowance to noncurrent loans | 109.6995% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 2,546 |
| Noncurrent loans to loans | 1.4384% | 2,045 |
| Net loans and leases to total assets | 73.6444% | 1,649 |
| Net loans and leases to deposits | 85.3202% | 2,057 |
| Net loans and leases to core deposits | 88.5278% | 2,444 |
| Total domestic deposits to total assets | 86.3154% | 2,663 |
| Equity capital to assets | 11.4320% | 2,490 |
| Core capital (leverage) ratio | 10.9618% | 2,441 |
| Tier 1 risk-based capital ratio | 14.8645% | 3,559 |
| Total risk-based capital ratio | 16.1192% | 3,494 |
| Memoranda: |
| Average total assets | $331,535,600 | 1,959 |
| Average earning assets | $315,192,400 | 1,901 |
| Average equity | $38,427,200 | 1,836 |
| Average total loans | $234,839,400 | 1,793 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9103% | 4,131 |
| Cost of funding earning assets | 0.5361% | 2,412 |
| Net interest margin | 3.3743% | 4,336 |
| Noninterest income to average assets | 0.4788% | 3,694 |
| Noninterest expense to average assets | 2.1659% | 5,418 |
| Loan and lease loss provision to assets | 0.0810% | 2,732 |
| Net operating income to assets | 1.3624% | 1,220 |
| Return on assets (ROA) | 1.3624% | 1,259 |
| Pretax return on assets | 1.4345% | 1,872 |
| Return on Equity (ROE) | 11.7131% | 1,556 |
| Retained earnings to average equity (ytd only) | 8.2054% | 1,263 |
| Net charge-offs to loans | 0.4372% | 900 |
| Credit loss provision to net charge-offs | 26.5252% | 3,503 |
| Earnings coverage of net charge-offs (x) | 4.9655% | 3,347 |
| Efficiency ratio | 58.8345% | 5,330 |
| Assets per employee ($millions) | 5.0144% | 2,224 |
| Cash dividends to net income (ytd only)* | 29.9466% | 2,802 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6629% | 2,089 |
| Loan loss allowance to noncurrent loans | 95.8587% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2645% | 2,436 |
| Noncurrent loans to loans | 1.7348% | 1,868 |
| Net loans and leases to total assets | 70.3113% | 2,143 |
| Net loans and leases to deposits | 80.2042% | 2,659 |
| Net loans and leases to core deposits | 82.7048% | 3,034 |
| Total domestic deposits to total assets | 87.6654% | 1,944 |
| Equity capital to assets | 12.0514% | 2,015 |
| Core capital (leverage) ratio | 11.5155% | 2,051 |
| Tier 1 risk-based capital ratio | 16.4207% | 2,845 |
| Total risk-based capital ratio | 17.6763% | 2,795 |
| Memoranda: |
| Average total assets | $329,406,250 | 1,980 |
| Average earning assets | $312,633,000 | 1,923 |
| Average equity | $38,315,250 | 1,850 |
| Average total loans | $229,938,000 | 1,832 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9117% | 4,098 |
| Cost of funding earning assets | 0.5346% | 2,494 |
| Net interest margin | 3.3771% | 4,276 |
| Noninterest income to average assets | 0.4427% | 3,920 |
| Noninterest expense to average assets | 2.2165% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3542% | 1,177 |
| Return on assets (ROA) | 1.3542% | 1,223 |
| Pretax return on assets | 1.4260% | 1,800 |
| Return on Equity (ROE) | 11.7855% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.7686% | 1,891 |
| Net charge-offs to loans | 0.6131% | 652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.3596% | 3,329 |
| Efficiency ratio | 60.8514% | 5,162 |
| Assets per employee ($millions) | 4.9193% | 2,317 |
| Cash dividends to net income (ytd only)* | 42.5685% | 2,294 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6579% | 2,263 |
| Loan loss allowance to noncurrent loans | 92.2384% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 2,571 |
| Noncurrent loans to loans | 1.7974% | 1,907 |
| Net loans and leases to total assets | 68.2272% | 2,378 |
| Net loans and leases to deposits | 77.6524% | 2,845 |
| Net loans and leases to core deposits | 80.1440% | 3,195 |
| Total domestic deposits to total assets | 87.8623% | 1,991 |
| Equity capital to assets | 11.8674% | 2,091 |
| Core capital (leverage) ratio | 11.2499% | 2,195 |
| Tier 1 risk-based capital ratio | 16.4761% | 2,839 |
| Total risk-based capital ratio | 17.7318% | 2,803 |
| Memoranda: |
| Average total assets | $328,892,330 | 1,984 |
| Average earning assets | $311,631,670 | 1,930 |
| Average equity | $37,792,330 | 1,861 |
| Average total loans | $227,707,670 | 1,843 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9205% | 4,009 |
| Cost of funding earning assets | 0.5367% | 2,538 |
| Net interest margin | 3.3838% | 4,204 |
| Noninterest income to average assets | 0.4249% | 3,988 |
| Noninterest expense to average assets | 2.1635% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3892% | 1,007 |
| Return on assets (ROA) | 1.3892% | 1,050 |
| Pretax return on assets | 1.4622% | 1,541 |
| Return on Equity (ROE) | 12.2915% | 1,348 |
| Retained earnings to average equity (ytd only) | 3.1133% | 4,254 |
| Net charge-offs to loans | 0.7446% | 471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8392% | 2,787 |
| Efficiency ratio | 59.6709% | 5,444 |
| Assets per employee ($millions) | 4.8642% | 2,424 |
| Cash dividends to net income (ytd only)* | 74.6713% | 1,067 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7881% | 2,075 |
| Loan loss allowance to noncurrent loans | 79.1667% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.6051% | 2,193 |
| Noncurrent loans to loans | 2.2586% | 1,597 |
| Net loans and leases to total assets | 68.5266% | 2,140 |
| Net loans and leases to deposits | 77.6597% | 2,610 |
| Net loans and leases to core deposits | 79.7467% | 2,995 |
| Total domestic deposits to total assets | 88.2397% | 2,087 |
| Equity capital to assets | 11.5415% | 2,210 |
| Core capital (leverage) ratio | 11.0254% | 2,362 |
| Tier 1 risk-based capital ratio | 16.1453% | 3,092 |
| Total risk-based capital ratio | 17.4027% | 3,050 |
| Memoranda: |
| Average total assets | $328,542,000 | 1,988 |
| Average earning assets | $310,774,500 | 1,944 |
| Average equity | $37,131,500 | 1,891 |
| Average total loans | $227,230,000 | 1,846 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6780% | 5,201 |
| Cost of funding earning assets | 0.5933% | 2,728 |
| Net interest margin | 3.0848% | 5,362 |
| Noninterest income to average assets | 0.5449% | 3,438 |
| Noninterest expense to average assets | 2.1295% | 5,770 |
| Loan and lease loss provision to assets | 0.5237% | 527 |
| Net operating income to assets | 0.7643% | 3,473 |
| Return on assets (ROA) | 0.7584% | 3,600 |
| Pretax return on assets | 0.7975% | 4,151 |
| Return on Equity (ROE) | 6.6829% | 3,729 |
| Retained earnings to average equity (ytd only) | 3.9142% | 3,421 |
| Net charge-offs to loans | 1.1360% | 481 |
| Credit loss provision to net charge-offs | 70.8038% | 3,289 |
| Earnings coverage of net charge-offs (x) | 1.7947% | 4,446 |
| Efficiency ratio | 61.6022% | 5,273 |
| Assets per employee ($millions) | 4.9430% | 2,246 |
| Cash dividends to net income (ytd only)* | 41.4297% | 2,735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9770% | 1,607 |
| Loan loss allowance to noncurrent loans | 77.1571% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 2,021 |
| Noncurrent loans to loans | 2.5623% | 1,462 |
| Net loans and leases to total assets | 67.2063% | 2,485 |
| Net loans and leases to deposits | 77.8491% | 2,739 |
| Net loans and leases to core deposits | 79.2195% | 3,216 |
| Total domestic deposits to total assets | 86.3290% | 3,098 |
| Equity capital to assets | 11.0661% | 2,554 |
| Core capital (leverage) ratio | 11.0803% | 2,316 |
| Tier 1 risk-based capital ratio | 15.9757% | 3,103 |
| Total risk-based capital ratio | 17.2354% | 3,056 |
| Memoranda: |
| Average total assets | $324,627,000 | 1,981 |
| Average earning assets | $306,441,000 | 1,931 |
| Average equity | $36,840,200 | 1,875 |
| Average total loans | $211,356,600 | 1,918 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6082% | 5,421 |
| Cost of funding earning assets | 0.6059% | 2,763 |
| Net interest margin | 3.0023% | 5,593 |
| Noninterest income to average assets | 0.5598% | 3,391 |
| Noninterest expense to average assets | 2.1548% | 5,712 |
| Loan and lease loss provision to assets | 0.3922% | 781 |
| Net operating income to assets | 0.8074% | 3,307 |
| Return on assets (ROA) | 0.8062% | 3,444 |
| Pretax return on assets | 0.8487% | 4,097 |
| Return on Equity (ROE) | 7.0590% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.3241% | 2,863 |
| Net charge-offs to loans | 0.9429% | 612 |
| Credit loss provision to net charge-offs | 64.7580% | 3,186 |
| Earnings coverage of net charge-offs (x) | 2.0511% | 4,148 |
| Efficiency ratio | 63.4342% | 4,896 |
| Assets per employee ($millions) | 4.8201% | 2,412 |
| Cash dividends to net income (ytd only)* | 24.5775% | 2,911 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2190% | 1,297 |
| Loan loss allowance to noncurrent loans | 68.6499% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 1,790 |
| Noncurrent loans to loans | 3.2324% | 1,215 |
| Net loans and leases to total assets | 64.7279% | 2,864 |
| Net loans and leases to deposits | 74.4730% | 3,161 |
| Net loans and leases to core deposits | 75.8317% | 3,634 |
| Total domestic deposits to total assets | 86.9145% | 2,744 |
| Equity capital to assets | 11.6332% | 2,184 |
| Core capital (leverage) ratio | 11.3601% | 2,156 |
| Tier 1 risk-based capital ratio | 17.1377% | 2,652 |
| Total risk-based capital ratio | 18.4001% | 2,608 |
| Memoranda: |
| Average total assets | $322,988,000 | 1,999 |
| Average earning assets | $305,225,000 | 1,949 |
| Average equity | $36,888,000 | 1,889 |
| Average total loans | $207,429,500 | 1,953 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5386% | 5,609 |
| Cost of funding earning assets | 0.6202% | 2,770 |
| Net interest margin | 2.9185% | 5,756 |
| Noninterest income to average assets | 0.5496% | 3,504 |
| Noninterest expense to average assets | 2.1540% | 5,739 |
| Loan and lease loss provision to assets | 0.3389% | 1,000 |
| Net operating income to assets | 0.7762% | 3,425 |
| Return on assets (ROA) | 0.7745% | 3,587 |
| Pretax return on assets | 0.8151% | 4,254 |
| Return on Equity (ROE) | 6.8226% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.4970% | 2,148 |
| Net charge-offs to loans | 1.3315% | 427 |
| Credit loss provision to net charge-offs | 40.0291% | 3,415 |
| Earnings coverage of net charge-offs (x) | 1.3654% | 4,086 |
| Efficiency ratio | 65.0782% | 4,695 |
| Assets per employee ($millions) | 4.5673% | 2,704 |
| Cash dividends to net income (ytd only)* | 4.7733% | 3,412 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1012% | 1,635 |
| Loan loss allowance to noncurrent loans | 57.6979% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 2.4953% | 1,697 |
| Noncurrent loans to loans | 3.6417% | 1,127 |
| Net loans and leases to total assets | 64.5480% | 2,832 |
| Net loans and leases to deposits | 73.2389% | 3,254 |
| Net loans and leases to core deposits | 74.7009% | 3,697 |
| Total domestic deposits to total assets | 88.1335% | 2,147 |
| Equity capital to assets | 11.5216% | 2,272 |
| Core capital (leverage) ratio | 11.0579% | 2,298 |
| Tier 1 risk-based capital ratio | 17.1866% | 2,646 |
| Total risk-based capital ratio | 18.4475% | 2,615 |
| Memoranda: |
| Average total assets | $324,609,330 | 2,000 |
| Average earning assets | $307,011,000 | 1,950 |
| Average equity | $36,848,000 | 1,895 |
| Average total loans | $206,376,670 | 1,964 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3880% | 5,968 |
| Cost of funding earning assets | 0.6360% | 2,776 |
| Net interest margin | 2.7521% | 6,122 |
| Noninterest income to average assets | 0.4992% | 3,775 |
| Noninterest expense to average assets | 2.1242% | 5,854 |
| Loan and lease loss provision to assets | 0.4251% | 708 |
| Net operating income to assets | 0.5245% | 4,551 |
| Return on assets (ROA) | 0.5210% | 4,710 |
| Pretax return on assets | 0.5478% | 5,120 |
| Return on Equity (ROE) | 4.6232% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.6232% | 3,461 |
| Net charge-offs to loans | 2.1724% | 210 |
| Credit loss provision to net charge-offs | 31.3339% | 2,871 |
| Earnings coverage of net charge-offs (x) | 0.7198% | 3,589 |
| Efficiency ratio | 68.5076% | 4,220 |
| Assets per employee ($millions) | 4.8885% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1808% | 1,626 |
| Loan loss allowance to noncurrent loans | 57.5762% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.4048% | 1,932 |
| Noncurrent loans to loans | 3.7878% | 1,219 |
| Net loans and leases to total assets | 59.6799% | 3,490 |
| Net loans and leases to deposits | 67.3657% | 3,861 |
| Net loans and leases to core deposits | 68.5603% | 4,236 |
| Total domestic deposits to total assets | 88.5909% | 1,942 |
| Equity capital to assets | 11.2114% | 2,724 |
| Core capital (leverage) ratio | 10.6558% | 2,591 |
| Tier 1 risk-based capital ratio | 17.3978% | 2,603 |
| Total risk-based capital ratio | 18.6601% | 2,559 |
| Memoranda: |
| Average total assets | $329,340,500 | 1,998 |
| Average earning assets | $311,330,000 | 1,951 |
| Average equity | $37,117,000 | 1,911 |
| Average total loans | $205,671,500 | 1,981 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2008% | 4,589 |
| Cost of funding earning assets | 0.8421% | 2,347 |
| Net interest margin | 3.3587% | 5,041 |
| Noninterest income to average assets | 0.6181% | 3,181 |
| Noninterest expense to average assets | 2.0082% | 6,305 |
| Loan and lease loss provision to assets | 1.3607% | 251 |
| Net operating income to assets | 0.4000% | 5,102 |
| Return on assets (ROA) | 0.3991% | 5,348 |
| Pretax return on assets | 0.4195% | 5,524 |
| Return on Equity (ROE) | 3.3800% | 5,397 |
| Retained earnings to average equity (ytd only) | -2.6595% | 6,234 |
| Net charge-offs to loans | 1.7106% | 483 |
| Credit loss provision to net charge-offs | 121.1362% | 2,361 |
| Earnings coverage of net charge-offs (x) | 1.5856% | 4,650 |
| Efficiency ratio | 52.9965% | 6,371 |
| Assets per employee ($millions) | 4.8696% | 2,390 |
| Cash dividends to net income (ytd only)* | 178.6834% | 155 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4888% | 1,139 |
| Loan loss allowance to noncurrent loans | 52.6262% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 3.0586% | 1,544 |
| Noncurrent loans to loans | 4.7293% | 874 |
| Net loans and leases to total assets | 62.3249% | 3,205 |
| Net loans and leases to deposits | 70.4744% | 3,643 |
| Net loans and leases to core deposits | 71.7400% | 4,076 |
| Total domestic deposits to total assets | 88.4363% | 1,942 |
| Equity capital to assets | 11.3299% | 2,603 |
| Core capital (leverage) ratio | 10.6639% | 2,583 |
| Tier 1 risk-based capital ratio | 16.6334% | 2,822 |
| Total risk-based capital ratio | 17.8994% | 2,789 |
| Memoranda: |
| Average total assets | $319,692,600 | 2,009 |
| Average earning assets | $301,846,800 | 1,960 |
| Average equity | $37,751,800 | 1,841 |
| Average total loans | $209,922,400 | 1,919 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2619% | 4,599 |
| Cost of funding earning assets | 0.8846% | 2,274 |
| Net interest margin | 3.3774% | 5,107 |
| Noninterest income to average assets | 0.5756% | 3,437 |
| Noninterest expense to average assets | 2.0294% | 6,307 |
| Loan and lease loss provision to assets | 0.6498% | 813 |
| Net operating income to assets | 1.0354% | 2,340 |
| Return on assets (ROA) | 1.0354% | 2,560 |
| Pretax return on assets | 1.0895% | 3,389 |
| Return on Equity (ROE) | 8.6782% | 2,964 |
| Retained earnings to average equity (ytd only) | 0.6676% | 5,885 |
| Net charge-offs to loans | 1.2086% | 805 |
| Credit loss provision to net charge-offs | 81.3221% | 3,584 |
| Earnings coverage of net charge-offs (x) | 2.1768% | 4,171 |
| Efficiency ratio | 53.8487% | 6,265 |
| Assets per employee ($millions) | 4.9140% | 2,304 |
| Cash dividends to net income (ytd only)* | 92.3076% | 423 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9966% | 2,176 |
| Loan loss allowance to noncurrent loans | 38.6843% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 3.3001% | 1,546 |
| Noncurrent loans to loans | 5.1614% | 861 |
| Net loans and leases to total assets | 62.6207% | 3,274 |
| Net loans and leases to deposits | 71.4345% | 3,683 |
| Net loans and leases to core deposits | 72.9734% | 4,124 |
| Total domestic deposits to total assets | 87.6617% | 2,254 |
| Equity capital to assets | 12.0296% | 2,233 |
| Core capital (leverage) ratio | 11.1687% | 2,235 |
| Tier 1 risk-based capital ratio | 17.6154% | 2,490 |
| Total risk-based capital ratio | 18.8751% | 2,457 |
| Memoranda: |
| Average total assets | $318,050,500 | 2,037 |
| Average earning assets | $300,701,000 | 1,980 |
| Average equity | $37,948,500 | 1,851 |
| Average total loans | $210,270,000 | 1,943 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3220% | 4,481 |
| Cost of funding earning assets | 0.9216% | 2,247 |
| Net interest margin | 3.4004% | 5,092 |
| Noninterest income to average assets | 0.5107% | 3,856 |
| Noninterest expense to average assets | 2.0290% | 6,371 |
| Loan and lease loss provision to assets | 0.6297% | 928 |
| Net operating income to assets | 1.0101% | 2,422 |
| Return on assets (ROA) | 1.0101% | 2,638 |
| Pretax return on assets | 1.0630% | 3,450 |
| Return on Equity (ROE) | 8.4890% | 3,019 |
| Retained earnings to average equity (ytd only) | 0.2964% | 5,946 |
| Net charge-offs to loans | 0.7856% | 1,402 |
| Credit loss provision to net charge-offs | 119.9041% | 2,295 |
| Earnings coverage of net charge-offs (x) | 3.2230% | 3,450 |
| Efficiency ratio | 54.5178% | 6,270 |
| Assets per employee ($millions) | 4.8089% | 2,426 |
| Cash dividends to net income (ytd only)* | 96.5087% | 485 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1774% | 1,823 |
| Loan loss allowance to noncurrent loans | 43.3189% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 3.4702% | 1,539 |
| Noncurrent loans to loans | 5.0264% | 976 |
| Net loans and leases to total assets | 65.0718% | 2,831 |
| Net loans and leases to deposits | 74.1758% | 3,265 |
| Net loans and leases to core deposits | 75.7716% | 3,787 |
| Total domestic deposits to total assets | 87.7264% | 2,318 |
| Equity capital to assets | 11.9535% | 2,181 |
| Core capital (leverage) ratio | 11.0047% | 2,287 |
| Tier 1 risk-based capital ratio | 17.0175% | 2,654 |
| Total risk-based capital ratio | 18.2797% | 2,613 |
| Memoranda: |
| Average total assets | $317,596,670 | 2,041 |
| Average earning assets | $299,907,330 | 1,981 |
| Average equity | $37,790,000 | 1,849 |
| Average total loans | $212,329,000 | 1,928 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4394% | 4,162 |
| Cost of funding earning assets | 0.9362% | 2,398 |
| Net interest margin | 3.5032% | 4,680 |
| Noninterest income to average assets | 0.5489% | 3,569 |
| Noninterest expense to average assets | 2.0409% | 6,389 |
| Loan and lease loss provision to assets | 0.5036% | 1,205 |
| Net operating income to assets | 1.2427% | 1,626 |
| Return on assets (ROA) | 1.2427% | 1,803 |
| Pretax return on assets | 1.3069% | 2,513 |
| Return on Equity (ROE) | 10.4678% | 2,246 |
| Retained earnings to average equity (ytd only) | 1.8136% | 5,337 |
| Net charge-offs to loans | 0.4903% | 1,864 |
| Credit loss provision to net charge-offs | 153.2567% | 1,639 |
| Earnings coverage of net charge-offs (x) | 5.5096% | 2,355 |
| Efficiency ratio | 52.9912% | 6,437 |
| Assets per employee ($millions) | 4.8197% | 2,482 |
| Cash dividends to net income (ytd only)* | 82.6748% | 766 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1787% | 1,925 |
| Loan loss allowance to noncurrent loans | 39.0331% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 3.8112% | 1,464 |
| Noncurrent loans to loans | 5.5816% | 950 |
| Net loans and leases to total assets | 63.5423% | 2,939 |
| Net loans and leases to deposits | 72.2218% | 3,402 |
| Net loans and leases to core deposits | 73.6739% | 3,933 |
| Total domestic deposits to total assets | 87.9821% | 2,331 |
| Equity capital to assets | 11.7271% | 2,242 |
| Core capital (leverage) ratio | 11.3117% | 2,028 |
| Tier 1 risk-based capital ratio | 17.1412% | 2,629 |
| Total risk-based capital ratio | 18.4032% | 2,585 |
| Memoranda: |
| Average total assets | $317,701,000 | 2,048 |
| Average earning assets | $299,498,000 | 1,987 |
| Average equity | $37,715,500 | 1,846 |
| Average total loans | $212,930,000 | 1,927 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8397% | 3,626 |
| Cost of funding earning assets | 1.2199% | 1,897 |
| Net interest margin | 3.6197% | 4,653 |
| Noninterest income to average assets | 0.5583% | 3,445 |
| Noninterest expense to average assets | 2.0424% | 6,600 |
| Loan and lease loss provision to assets | 0.8445% | 1,149 |
| Net operating income to assets | 1.0328% | 2,073 |
| Return on assets (ROA) | 1.0328% | 2,227 |
| Pretax return on assets | 1.0875% | 2,884 |
| Return on Equity (ROE) | 9.0291% | 2,430 |
| Retained earnings to average equity (ytd only) | 3.1884% | 3,951 |
| Net charge-offs to loans | 0.9932% | 1,749 |
| Credit loss provision to net charge-offs | 123.1190% | 2,564 |
| Earnings coverage of net charge-offs (x) | 2.8167% | 3,804 |
| Efficiency ratio | 51.3890% | 6,746 |
| Assets per employee ($millions) | 4.7346% | 2,542 |
| Cash dividends to net income (ytd only)* | 64.6881% | 1,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0504% | 2,127 |
| Loan loss allowance to noncurrent loans | 60.4337% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.5464% | 2,382 |
| Noncurrent loans to loans | 3.3929% | 1,902 |
| Net loans and leases to total assets | 67.7378% | 2,451 |
| Net loans and leases to deposits | 77.5702% | 2,904 |
| Net loans and leases to core deposits | 79.1103% | 3,564 |
| Total domestic deposits to total assets | 87.3244% | 2,568 |
| Equity capital to assets | 12.0205% | 2,111 |
| Core capital (leverage) ratio | 11.2878% | 2,048 |
| Tier 1 risk-based capital ratio | 16.6012% | 2,774 |
| Total risk-based capital ratio | 17.8618% | 2,741 |
| Memoranda: |
| Average total assets | $319,718,200 | 2,011 |
| Average earning assets | $301,735,200 | 1,945 |
| Average equity | $36,570,600 | 1,847 |
| Average total loans | $220,803,000 | 1,871 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7870% | 4,080 |
| Cost of funding earning assets | 1.2915% | 1,755 |
| Net interest margin | 3.4954% | 5,211 |
| Noninterest income to average assets | 0.5254% | 3,694 |
| Noninterest expense to average assets | 1.9996% | 6,690 |
| Loan and lease loss provision to assets | 0.4561% | 2,178 |
| Net operating income to assets | 1.3033% | 1,367 |
| Return on assets (ROA) | 1.3033% | 1,455 |
| Pretax return on assets | 1.3726% | 2,033 |
| Return on Equity (ROE) | 11.5370% | 1,675 |
| Retained earnings to average equity (ytd only) | 4.5774% | 3,459 |
| Net charge-offs to loans | 0.3658% | 3,261 |
| Credit loss provision to net charge-offs | 180.6240% | 1,648 |
| Earnings coverage of net charge-offs (x) | 7.2414% | 2,391 |
| Efficiency ratio | 52.2314% | 6,654 |
| Assets per employee ($millions) | 4.7834% | 2,497 |
| Cash dividends to net income (ytd only)* | 60.3246% | 1,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0550% | 2,191 |
| Loan loss allowance to noncurrent loans | 62.6508% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.3221% | 2,767 |
| Noncurrent loans to loans | 3.2801% | 2,106 |
| Net loans and leases to total assets | 65.6571% | 2,973 |
| Net loans and leases to deposits | 76.0399% | 3,326 |
| Net loans and leases to core deposits | 78.3194% | 3,854 |
| Total domestic deposits to total assets | 86.3455% | 3,016 |
| Equity capital to assets | 11.7486% | 2,452 |
| Core capital (leverage) ratio | 11.0737% | 2,329 |
| Tier 1 risk-based capital ratio | 16.9055% | 2,675 |
| Total risk-based capital ratio | 18.1660% | 2,643 |
| Memoranda: |
| Average total assets | $321,527,000 | 2,008 |
| Average earning assets | $303,816,500 | 1,944 |
| Average equity | $36,322,750 | 1,860 |
| Average total loans | $221,978,750 | 1,874 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7352% | 4,367 |
| Cost of funding earning assets | 1.3414% | 1,694 |
| Net interest margin | 3.3937% | 5,573 |
| Noninterest income to average assets | 0.4629% | 4,159 |
| Noninterest expense to average assets | 1.9741% | 6,845 |
| Loan and lease loss provision to assets | 0.3417% | 2,737 |
| Net operating income to assets | 1.2819% | 1,364 |
| Return on assets (ROA) | 1.2819% | 1,432 |
| Pretax return on assets | 1.3508% | 1,957 |
| Return on Equity (ROE) | 11.4997% | 1,639 |
| Retained earnings to average equity (ytd only) | 2.4694% | 4,714 |
| Net charge-offs to loans | 0.0446% | 5,233 |
| Credit loss provision to net charge-offs | 1,100.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 54.4800% | 581 |
| Efficiency ratio | 53.8383% | 6,634 |
| Assets per employee ($millions) | 4.7908% | 2,418 |
| Cash dividends to net income (ytd only)* | 78.5264% | 821 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0378% | 2,266 |
| Loan loss allowance to noncurrent loans | 58.6737% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.7213% | 2,457 |
| Noncurrent loans to loans | 3.4730% | 2,037 |
| Net loans and leases to total assets | 66.2579% | 2,979 |
| Net loans and leases to deposits | 77.4479% | 3,226 |
| Net loans and leases to core deposits | 79.9163% | 3,798 |
| Total domestic deposits to total assets | 85.5517% | 3,596 |
| Equity capital to assets | 11.3607% | 2,633 |
| Core capital (leverage) ratio | 10.8265% | 2,392 |
| Tier 1 risk-based capital ratio | 16.3385% | 2,813 |
| Total risk-based capital ratio | 17.5990% | 2,775 |
| Memoranda: |
| Average total assets | $321,873,330 | 2,012 |
| Average earning assets | $303,854,670 | 1,949 |
| Average equity | $35,879,330 | 1,870 |
| Average total loans | $224,359,000 | 1,878 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6902% | 4,564 |
| Cost of funding earning assets | 1.3868% | 1,683 |
| Net interest margin | 3.3034% | 5,764 |
| Noninterest income to average assets | 0.4443% | 4,333 |
| Noninterest expense to average assets | 2.0278% | 6,784 |
| Loan and lease loss provision to assets | 0.0621% | 5,220 |
| Net operating income to assets | 1.3961% | 1,069 |
| Return on assets (ROA) | 1.3961% | 1,111 |
| Pretax return on assets | 1.4731% | 1,521 |
| Return on Equity (ROE) | 12.6454% | 1,288 |
| Retained earnings to average equity (ytd only) | 0.5058% | 5,623 |
| Net charge-offs to loans | 0.1333% | 3,713 |
| Credit loss provision to net charge-offs | 65.7895% | 3,440 |
| Earnings coverage of net charge-offs (x) | 16.2763% | 1,274 |
| Efficiency ratio | 56.9140% | 6,393 |
| Assets per employee ($millions) | 4.6873% | 2,594 |
| Cash dividends to net income (ytd only)* | 96.0000% | 633 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7541% | 3,159 |
| Loan loss allowance to noncurrent loans | 86.4877% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 3,625 |
| Noncurrent loans to loans | 2.0282% | 3,538 |
| Net loans and leases to total assets | 67.5037% | 2,653 |
| Net loans and leases to deposits | 78.6305% | 2,952 |
| Net loans and leases to core deposits | 81.1062% | 3,590 |
| Total domestic deposits to total assets | 85.8493% | 3,611 |
| Equity capital to assets | 10.9701% | 2,719 |
| Core capital (leverage) ratio | 10.6715% | 2,458 |
| Tier 1 risk-based capital ratio | 15.5863% | 3,110 |
| Total risk-based capital ratio | 16.8428% | 3,068 |
| Memoranda: |
| Average total assets | $322,317,500 | 2,024 |
| Average earning assets | $304,296,500 | 1,962 |
| Average equity | $35,586,000 | 1,867 |
| Average total loans | $227,987,500 | 1,876 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9553% | 4,763 |
| Cost of funding earning assets | 1.8124% | 1,120 |
| Net interest margin | 3.1429% | 6,408 |
| Noninterest income to average assets | 0.5263% | 3,978 |
| Noninterest expense to average assets | 1.9014% | 7,161 |
| Loan and lease loss provision to assets | 0.2845% | 4,524 |
| Net operating income to assets | 1.2592% | 1,268 |
| Return on assets (ROA) | 1.2592% | 1,342 |
| Pretax return on assets | 1.3252% | 1,870 |
| Return on Equity (ROE) | 12.6605% | 1,172 |
| Retained earnings to average equity (ytd only) | 7.6146% | 1,113 |
| Net charge-offs to loans | 0.4046% | 4,020 |
| Credit loss provision to net charge-offs | 101.1122% | 4,491 |
| Earnings coverage of net charge-offs (x) | 5.7209% | 2,550 |
| Efficiency ratio | 54.1528% | 6,792 |
| Assets per employee ($millions) | 4.5887% | 2,726 |
| Cash dividends to net income (ytd only)* | 39.8554% | 2,615 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6787% | 3,297 |
| Loan loss allowance to noncurrent loans | 63.3721% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.9794% | 3,375 |
| Noncurrent loans to loans | 2.6489% | 2,871 |
| Net loans and leases to total assets | 71.5510% | 2,188 |
| Net loans and leases to deposits | 82.2731% | 2,750 |
| Net loans and leases to core deposits | 85.2124% | 3,437 |
| Total domestic deposits to total assets | 86.9677% | 2,836 |
| Equity capital to assets | 11.1117% | 2,585 |
| Core capital (leverage) ratio | 10.3476% | 2,723 |
| Tier 1 risk-based capital ratio | 14.9743% | 3,270 |
| Total risk-based capital ratio | 16.2304% | 3,213 |
| Memoranda: |
| Average total assets | $351,482,600 | 1,863 |
| Average earning assets | $333,804,800 | 1,789 |
| Average equity | $34,959,200 | 1,896 |
| Average total loans | $244,443,600 | 1,791 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9080% | 5,227 |
| Cost of funding earning assets | 1.8984% | 1,036 |
| Net interest margin | 3.0097% | 6,814 |
| Noninterest income to average assets | 0.4991% | 4,196 |
| Noninterest expense to average assets | 1.8493% | 7,269 |
| Loan and lease loss provision to assets | 0.1857% | 5,182 |
| Net operating income to assets | 1.2596% | 1,444 |
| Return on assets (ROA) | 1.2596% | 1,523 |
| Pretax return on assets | 1.3253% | 2,106 |
| Return on Equity (ROE) | 13.0048% | 1,246 |
| Retained earnings to average equity (ytd only) | 10.1523% | 759 |
| Net charge-offs to loans | 0.3345% | 3,984 |
| Credit loss provision to net charge-offs | 80.6452% | 5,110 |
| Earnings coverage of net charge-offs (x) | 6.5629% | 2,497 |
| Efficiency ratio | 55.0337% | 6,677 |
| Assets per employee ($millions) | 4.9352% | 2,268 |
| Cash dividends to net income (ytd only)* | 21.9341% | 2,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6309% | 3,403 |
| Loan loss allowance to noncurrent loans | 63.0066% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.7562% | 3,810 |
| Noncurrent loans to loans | 2.5884% | 3,037 |
| Net loans and leases to total assets | 66.2248% | 3,636 |
| Net loans and leases to deposits | 77.2813% | 3,961 |
| Net loans and leases to core deposits | 80.0264% | 4,517 |
| Total domestic deposits to total assets | 85.6933% | 3,241 |
| Equity capital to assets | 10.4519% | 3,572 |
| Core capital (leverage) ratio | 9.8146% | 3,468 |
| Tier 1 risk-based capital ratio | 15.1542% | 3,178 |
| Total risk-based capital ratio | 16.4098% | 3,151 |
| Memoranda: |
| Average total assets | $359,050,750 | 1,848 |
| Average earning assets | $341,338,000 | 1,777 |
| Average equity | $34,776,000 | 1,928 |
| Average total loans | $247,116,250 | 1,799 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9182% | 5,310 |
| Cost of funding earning assets | 1.9839% | 946 |
| Net interest margin | 2.9342% | 6,961 |
| Noninterest income to average assets | 0.4472% | 4,546 |
| Noninterest expense to average assets | 1.7702% | 7,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3928% | 1,107 |
| Return on assets (ROA) | 1.3928% | 1,173 |
| Pretax return on assets | 1.4660% | 1,651 |
| Return on Equity (ROE) | 14.7501% | 902 |
| Retained earnings to average equity (ytd only) | 12.3034% | 449 |
| Net charge-offs to loans | 0.1016% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 20.8203% | 1,199 |
| Efficiency ratio | 54.7000% | 6,798 |
| Assets per employee ($millions) | 5.2144% | 1,914 |
| Cash dividends to net income (ytd only)* | 16.5877% | 3,004 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5638% | 3,615 |
| Loan loss allowance to noncurrent loans | 68.2597% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 4,213 |
| Noncurrent loans to loans | 2.2910% | 3,382 |
| Net loans and leases to total assets | 64.3525% | 4,189 |
| Net loans and leases to deposits | 77.0091% | 4,157 |
| Net loans and leases to core deposits | 81.1109% | 4,541 |
| Total domestic deposits to total assets | 83.5647% | 4,306 |
| Equity capital to assets | 9.5834% | 4,578 |
| Core capital (leverage) ratio | 9.3218% | 4,077 |
| Tier 1 risk-based capital ratio | 14.3386% | 3,521 |
| Total risk-based capital ratio | 15.5932% | 3,488 |
| Memoranda: |
| Average total assets | $363,578,670 | 1,838 |
| Average earning assets | $345,574,670 | 1,769 |
| Average equity | $34,332,000 | 1,946 |
| Average total loans | $251,962,330 | 1,801 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9261% | 5,321 |
| Cost of funding earning assets | 2.0524% | 938 |
| Net interest margin | 2.8738% | 7,069 |
| Noninterest income to average assets | 0.4186% | 4,748 |
| Noninterest expense to average assets | 1.7798% | 7,491 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2980% | 1,303 |
| Return on assets (ROA) | 1.2980% | 1,369 |
| Pretax return on assets | 1.3657% | 1,864 |
| Return on Equity (ROE) | 13.8515% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.8515% | 526 |
| Net charge-offs to loans | 0.0156% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 269 |
| Efficiency ratio | 56.5831% | 6,684 |
| Assets per employee ($millions) | 5.0239% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5669% | 3,594 |
| Loan loss allowance to noncurrent loans | 76.5144% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4721% | 4,300 |
| Noncurrent loans to loans | 2.0478% | 3,721 |
| Net loans and leases to total assets | 68.7408% | 3,222 |
| Net loans and leases to deposits | 82.5436% | 3,186 |
| Net loans and leases to core deposits | 87.0335% | 3,745 |
| Total domestic deposits to total assets | 83.2782% | 4,485 |
| Equity capital to assets | 9.6374% | 4,324 |
| Core capital (leverage) ratio | 9.1039% | 4,369 |
| Tier 1 risk-based capital ratio | 13.5849% | 3,938 |
| Total risk-based capital ratio | 14.8396% | 3,900 |
| Memoranda: |
| Average total assets | $360,257,000 | 1,900 |
| Average earning assets | $341,851,500 | 1,832 |
| Average equity | $33,758,000 | 1,998 |
| Average total loans | $256,927,500 | 1,821 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4525% | 4,425 |
| Cost of funding earning assets | 2.6136% | 750 |
| Net interest margin | 2.8389% | 6,993 |
| Noninterest income to average assets | 0.5030% | 4,382 |
| Noninterest expense to average assets | 1.7891% | 7,620 |
| Loan and lease loss provision to assets | 0.9396% | 2,401 |
| Net operating income to assets | 0.4388% | 3,974 |
| Return on assets (ROA) | 0.4388% | 4,091 |
| Pretax return on assets | 0.4614% | 4,316 |
| Return on Equity (ROE) | 5.1868% | 3,585 |
| Retained earnings to average equity (ytd only) | 5.1868% | 1,725 |
| Net charge-offs to loans | 0.8838% | 2,625 |
| Credit loss provision to net charge-offs | 141.1620% | 3,439 |
| Earnings coverage of net charge-offs (x) | 2.1047% | 4,155 |
| Efficiency ratio | 56.0830% | 7,006 |
| Assets per employee ($millions) | 5.1242% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4780% | 3,843 |
| Loan loss allowance to noncurrent loans | 98.2672% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 4,821 |
| Noncurrent loans to loans | 1.5040% | 4,409 |
| Net loans and leases to total assets | 71.6961% | 2,834 |
| Net loans and leases to deposits | 85.4685% | 3,002 |
| Net loans and leases to core deposits | 101.2601% | 3,874 |
| Total domestic deposits to total assets | 83.8859% | 4,078 |
| Equity capital to assets | 9.1089% | 4,977 |
| Core capital (leverage) ratio | 8.5279% | 5,237 |
| Tier 1 risk-based capital ratio | 12.1763% | 4,794 |
| Total risk-based capital ratio | 13.4295% | 4,753 |
| Memoranda: |
| Average total assets | $367,169,600 | 1,849 |
| Average earning assets | $347,528,200 | 1,798 |
| Average equity | $31,059,600 | 2,163 |
| Average total loans | $276,523,800 | 1,739 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5105% | 4,364 |
| Cost of funding earning assets | 2.6856% | 821 |
| Net interest margin | 2.8250% | 7,014 |
| Noninterest income to average assets | 0.4858% | 4,614 |
| Noninterest expense to average assets | 1.7840% | 7,675 |
| Loan and lease loss provision to assets | 0.5616% | 3,142 |
| Net operating income to assets | 0.7721% | 2,929 |
| Return on assets (ROA) | 0.7721% | 2,986 |
| Pretax return on assets | 0.8123% | 3,500 |
| Return on Equity (ROE) | 9.3036% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.3036% | 767 |
| Net charge-offs to loans | 0.3039% | 4,130 |
| Credit loss provision to net charge-offs | 243.3281% | 1,787 |
| Earnings coverage of net charge-offs (x) | 5.9529% | 2,698 |
| Efficiency ratio | 56.4938% | 6,938 |
| Assets per employee ($millions) | 5.0728% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4225% | 3,821 |
| Loan loss allowance to noncurrent loans | 79.0563% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 4,401 |
| Noncurrent loans to loans | 1.7994% | 3,913 |
| Net loans and leases to total assets | 71.4842% | 3,159 |
| Net loans and leases to deposits | 85.2876% | 3,450 |
| Net loans and leases to core deposits | 101.5666% | 4,207 |
| Total domestic deposits to total assets | 83.8155% | 3,812 |
| Equity capital to assets | 8.6514% | 6,032 |
| Core capital (leverage) ratio | 8.1669% | 6,072 |
| Tier 1 risk-based capital ratio | 11.4990% | 5,427 |
| Total risk-based capital ratio | 12.7515% | 5,379 |
| Memoranda: |
| Average total assets | $368,007,250 | 1,862 |
| Average earning assets | $348,075,250 | 1,805 |
| Average equity | $30,539,500 | 2,216 |
| Average total loans | $279,465,500 | 1,744 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4783% | 4,738 |
| Cost of funding earning assets | 2.7787% | 834 |
| Net interest margin | 2.6996% | 7,200 |
| Noninterest income to average assets | 0.5261% | 4,221 |
| Noninterest expense to average assets | 1.7863% | 7,759 |
| Loan and lease loss provision to assets | 0.4085% | 3,479 |
| Net operating income to assets | 0.8327% | 2,730 |
| Return on assets (ROA) | 0.8327% | 2,818 |
| Pretax return on assets | 0.8763% | 3,419 |
| Return on Equity (ROE) | 10.1796% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.1796% | 697 |
| Net charge-offs to loans | 0.3857% | 3,273 |
| Credit loss provision to net charge-offs | 137.3626% | 3,399 |
| Earnings coverage of net charge-offs (x) | 4.3205% | 3,137 |
| Efficiency ratio | 58.1663% | 6,838 |
| Assets per employee ($millions) | 5.1078% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1342% | 5,368 |
| Loan loss allowance to noncurrent loans | 66.5455% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 4,236 |
| Noncurrent loans to loans | 1.7044% | 3,955 |
| Net loans and leases to total assets | 72.7284% | 3,023 |
| Net loans and leases to deposits | 86.3958% | 3,477 |
| Net loans and leases to core deposits | 103.8900% | 4,077 |
| Total domestic deposits to total assets | 84.1805% | 3,658 |
| Equity capital to assets | 8.2860% | 6,357 |
| Core capital (leverage) ratio | 7.9751% | 6,375 |
| Tier 1 risk-based capital ratio | 11.1712% | 5,702 |
| Total risk-based capital ratio | 12.3510% | 5,692 |
| Memoranda: |
| Average total assets | $367,239,330 | 1,889 |
| Average earning assets | $346,199,330 | 1,834 |
| Average equity | $30,040,330 | 2,260 |
| Average total loans | $283,109,330 | 1,747 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4826% | 5,000 |
| Cost of funding earning assets | 2.8549% | 860 |
| Net interest margin | 2.6277% | 7,326 |
| Noninterest income to average assets | 0.4939% | 4,376 |
| Noninterest expense to average assets | 1.7013% | 7,821 |
| Loan and lease loss provision to assets | 0.4390% | 2,728 |
| Net operating income to assets | 0.7760% | 3,229 |
| Return on assets (ROA) | 0.7760% | 3,402 |
| Pretax return on assets | 0.8155% | 4,019 |
| Return on Equity (ROE) | 9.5500% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.5500% | 1,322 |
| Net charge-offs to loans | 0.5718% | 2,034 |
| Credit loss provision to net charge-offs | 97.3236% | 3,856 |
| Earnings coverage of net charge-offs (x) | 2.7810% | 3,384 |
| Efficiency ratio | 57.5566% | 6,755 |
| Assets per employee ($millions) | 5.2275% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0337% | 5,907 |
| Loan loss allowance to noncurrent loans | 70.8935% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.4379% | 3,778 |
| Noncurrent loans to loans | 1.4580% | 4,118 |
| Net loans and leases to total assets | 74.7056% | 2,576 |
| Net loans and leases to deposits | 90.0108% | 2,928 |
| Net loans and leases to core deposits | 109.9378% | 3,443 |
| Total domestic deposits to total assets | 82.9963% | 4,152 |
| Equity capital to assets | 8.0630% | 6,726 |
| Core capital (leverage) ratio | 8.0113% | 6,427 |
| Tier 1 risk-based capital ratio | 10.6455% | 6,238 |
| Total risk-based capital ratio | 11.7218% | 6,340 |
| Memoranda: |
| Average total assets | $364,425,000 | 1,907 |
| Average earning assets | $341,443,500 | 1,866 |
| Average equity | $29,612,500 | 2,309 |
| Average total loans | $287,518,000 | 1,725 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5404% | 2,760 |
| Cost of funding earning assets | 3.2454% | 1,051 |
| Net interest margin | 3.2949% | 6,056 |
| Noninterest income to average assets | 0.5140% | 4,518 |
| Noninterest expense to average assets | 1.6349% | 7,931 |
| Loan and lease loss provision to assets | 0.5209% | 2,731 |
| Net operating income to assets | 1.3781% | 1,282 |
| Return on assets (ROA) | 1.3781% | 1,235 |
| Pretax return on assets | 1.4504% | 1,823 |
| Return on Equity (ROE) | 16.9468% | 644 |
| Retained earnings to average equity (ytd only) | 13.6087% | 140 |
| Net charge-offs to loans | 0.2428% | 3,834 |
| Credit loss provision to net charge-offs | 256.5982% | 1,810 |
| Earnings coverage of net charge-offs (x) | 9.7111% | 2,648 |
| Efficiency ratio | 45.3367% | 7,960 |
| Assets per employee ($millions) | 5.4196% | 1,520 |
| Cash dividends to net income (ytd only)* | 19.6976% | 4,457 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9859% | 6,174 |
| Loan loss allowance to noncurrent loans | 74.4812% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 3,831 |
| Noncurrent loans to loans | 1.3236% | 3,865 |
| Net loans and leases to total assets | 81.6224% | 1,298 |
| Net loans and leases to deposits | 99.1793% | 1,962 |
| Net loans and leases to core deposits | 126.7589% | 2,103 |
| Total domestic deposits to total assets | 82.2978% | 4,084 |
| Equity capital to assets | 8.1910% | 6,565 |
| Core capital (leverage) ratio | 7.8695% | 6,700 |
| Tier 1 risk-based capital ratio | 9.9283% | 6,813 |
| Total risk-based capital ratio | 10.9611% | 6,975 |
| Memoranda: |
| Average total assets | $335,980,600 | 1,986 |
| Average earning assets | $315,303,400 | 1,935 |
| Average equity | $27,320,800 | 2,452 |
| Average total loans | $280,913,600 | 1,717 |
