| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2354% | 983 |
| Cost of funding earning assets | 2.7956% | 711 |
| Net interest margin | 3.4397% | 2,194 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 3.3578% | 700 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | -0.0598% | 4,225 |
| Return on assets (ROA) | -0.0598% | 4,241 |
| Pretax return on assets | -0.0800% | 4,230 |
| Return on Equity (ROE) | -0.6700% | 4,231 |
| Retained earnings to average equity (ytd only) | -2.7948% | 4,200 |
| Net charge-offs to loans | 0.3798% | 392 |
| Credit loss provision to net charge-offs | 95.7513% | 1,969 |
| Earnings coverage of net charge-offs (x) | 0.4492% | 2,979 |
| Efficiency ratio | 95.9424% | 345 |
| Assets per employee ($millions) | 7.5470% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1209% | 2,586 |
| Loan loss allowance to noncurrent loans | 54.5815% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 267 |
| Noncurrent loans to loans | 2.0536% | 389 |
| Net loans and leases to total assets | 83.5500% | 308 |
| Net loans and leases to deposits | 93.9485% | 864 |
| Net loans and leases to core deposits | 114.8158% | 769 |
| Total domestic deposits to total assets | 88.9300% | 1,189 |
| Equity capital to assets | 9.2903% | 2,605 |
| Core capital (leverage) ratio | 8.9952% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7487% | 2,303 |
| Memoranda: |
| Average total assets | $1,012,623,000 | 1,002 |
| Average earning assets | $972,833,200 | 958 |
| Average equity | $90,917,400 | 1,094 |
| Average total loans | $842,729,600 | 863 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2271% | 973 |
| Cost of funding earning assets | 2.8485% | 650 |
| Net interest margin | 3.3785% | 2,280 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 3.3323% | 699 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | -0.0133% | 4,241 |
| Return on assets (ROA) | -0.0133% | 4,260 |
| Pretax return on assets | -0.0212% | 4,251 |
| Return on Equity (ROE) | -0.1500% | 4,243 |
| Retained earnings to average equity (ytd only) | -1.8777% | 4,194 |
| Net charge-offs to loans | 0.2720% | 466 |
| Credit loss provision to net charge-offs | 90.1498% | 1,782 |
| Earnings coverage of net charge-offs (x) | 0.4476% | 2,720 |
| Efficiency ratio | 97.0595% | 336 |
| Assets per employee ($millions) | 6.4233% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0996% | 2,769 |
| Loan loss allowance to noncurrent loans | 57.3685% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.5532% | 319 |
| Noncurrent loans to loans | 1.9167% | 413 |
| Net loans and leases to total assets | 80.1400% | 610 |
| Net loans and leases to deposits | 91.5179% | 1,095 |
| Net loans and leases to core deposits | 110.6749% | 914 |
| Total domestic deposits to total assets | 87.5700% | 1,393 |
| Equity capital to assets | 9.0545% | 2,996 |
| Core capital (leverage) ratio | 8.8900% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5992% | 2,380 |
| Memoranda: |
| Average total assets | $1,026,160,750 | 983 |
| Average earning assets | $985,652,750 | 945 |
| Average equity | $91,385,500 | 1,085 |
| Average total loans | $850,936,500 | 857 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2083% | 902 |
| Cost of funding earning assets | 2.8427% | 602 |
| Net interest margin | 3.3656% | 2,263 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 3.3573% | 679 |
| Loan and lease loss provision to assets | 0.2100% | 514 |
| Net operating income to assets | -0.1111% | 4,312 |
| Return on assets (ROA) | -0.1111% | 4,334 |
| Pretax return on assets | -0.1451% | 4,331 |
| Return on Equity (ROE) | -1.2500% | 4,320 |
| Retained earnings to average equity (ytd only) | -3.8524% | 4,264 |
| Net charge-offs to loans | 0.3752% | 311 |
| Credit loss provision to net charge-offs | 92.3172% | 1,564 |
| Earnings coverage of net charge-offs (x) | 0.2032% | 2,532 |
| Efficiency ratio | 98.1382% | 327 |
| Assets per employee ($millions) | 6.4443% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0631% | 2,970 |
| Loan loss allowance to noncurrent loans | 61.8157% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 368 |
| Noncurrent loans to loans | 1.7198% | 468 |
| Net loans and leases to total assets | 81.0300% | 574 |
| Net loans and leases to deposits | 93.8804% | 953 |
| Net loans and leases to core deposits | 118.3580% | 680 |
| Total domestic deposits to total assets | 86.3100% | 1,890 |
| Equity capital to assets | 8.6185% | 3,016 |
| Core capital (leverage) ratio | 8.8329% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9480% | 2,582 |
| Memoranda: |
| Average total assets | $1,029,921,667 | 978 |
| Average earning assets | $988,992,000 | 938 |
| Average equity | $91,216,667 | 1,079 |
| Average total loans | $860,443,333 | 849 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2220% | 825 |
| Cost of funding earning assets | 2.8234% | 579 |
| Net interest margin | 3.3986% | 2,104 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 3.2254% | 803 |
| Loan and lease loss provision to assets | -0.1100% | 4,456 |
| Net operating income to assets | 0.2737% | 3,865 |
| Return on assets (ROA) | 0.2737% | 3,901 |
| Pretax return on assets | 0.3429% | 3,854 |
| Return on Equity (ROE) | 3.0500% | 3,842 |
| Retained earnings to average equity (ytd only) | 0.9364% | 3,516 |
| Net charge-offs to loans | 0.0227% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,569 |
| Efficiency ratio | 93.3454% | 470 |
| Assets per employee ($millions) | 6.0558% | 2,799 |
| Cash dividends to net income (ytd only)* | 69.2857% | 901 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0674% | 2,964 |
| Loan loss allowance to noncurrent loans | 67.0054% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 380 |
| Noncurrent loans to loans | 1.5930% | 486 |
| Net loans and leases to total assets | 81.0800% | 505 |
| Net loans and leases to deposits | 94.7583% | 809 |
| Net loans and leases to core deposits | 118.2987% | 677 |
| Total domestic deposits to total assets | 85.5700% | 2,236 |
| Equity capital to assets | 8.7433% | 2,848 |
| Core capital (leverage) ratio | 8.8957% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1171% | 2,550 |
| Memoranda: |
| Average total assets | $1,022,895,500 | 988 |
| Average earning assets | $982,511,500 | 946 |
| Average equity | $91,837,500 | 1,067 |
| Average total loans | $863,144,000 | 848 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9128% | 711 |
| Cost of funding earning assets | 1.9566% | 985 |
| Net interest margin | 3.9562% | 1,272 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.0497% | 1,042 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.6289% | 3,366 |
| Return on assets (ROA) | 0.6289% | 3,344 |
| Pretax return on assets | 0.7946% | 3,224 |
| Return on Equity (ROE) | 6.9200% | 3,302 |
| Retained earnings to average equity (ytd only) | 3.5076% | 3,120 |
| Net charge-offs to loans | 0.3483% | 311 |
| Credit loss provision to net charge-offs | 78.5050% | 2,034 |
| Earnings coverage of net charge-offs (x) | 3.3131% | 2,648 |
| Efficiency ratio | 75.6395% | 1,284 |
| Assets per employee ($millions) | 5.8714% | 2,930 |
| Cash dividends to net income (ytd only)* | 49.3331% | 1,655 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0619% | 3,013 |
| Loan loss allowance to noncurrent loans | 435.2385% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 2,165 |
| Noncurrent loans to loans | 0.2440% | 2,326 |
| Net loans and leases to total assets | 86.0000% | 160 |
| Net loans and leases to deposits | 99.7089% | 550 |
| Net loans and leases to core deposits | 120.3112% | 614 |
| Total domestic deposits to total assets | 86.2500% | 1,929 |
| Equity capital to assets | 9.2247% | 2,525 |
| Core capital (leverage) ratio | 9.1845% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0235% | 2,576 |
| Memoranda: |
| Average total assets | $989,484,400 | 996 |
| Average earning assets | $951,857,800 | 949 |
| Average equity | $89,890,000 | 1,032 |
| Average total loans | $833,447,200 | 836 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7441% | 739 |
| Cost of funding earning assets | 1.7942% | 1,015 |
| Net interest margin | 3.9499% | 1,304 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.0336% | 1,022 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 0.5733% | 3,619 |
| Return on assets (ROA) | 0.5733% | 3,601 |
| Pretax return on assets | 0.7184% | 3,511 |
| Return on Equity (ROE) | 6.3300% | 3,579 |
| Retained earnings to average equity (ytd only) | 3.2458% | 3,455 |
| Net charge-offs to loans | 0.4198% | 201 |
| Credit loss provision to net charge-offs | 87.0620% | 1,713 |
| Earnings coverage of net charge-offs (x) | 2.7894% | 2,463 |
| Efficiency ratio | 75.3602% | 1,236 |
| Assets per employee ($millions) | 5.7568% | 2,962 |
| Cash dividends to net income (ytd only)* | 48.7633% | 1,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1378% | 2,685 |
| Loan loss allowance to noncurrent loans | 377.5129% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 1,992 |
| Noncurrent loans to loans | 0.3014% | 2,152 |
| Net loans and leases to total assets | 83.8700% | 289 |
| Net loans and leases to deposits | 95.8999% | 761 |
| Net loans and leases to core deposits | 115.7949% | 668 |
| Total domestic deposits to total assets | 87.4500% | 1,758 |
| Equity capital to assets | 9.0035% | 2,412 |
| Core capital (leverage) ratio | 9.3450% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1431% | 2,575 |
| Memoranda: |
| Average total assets | $987,319,500 | 998 |
| Average earning assets | $950,514,500 | 952 |
| Average equity | $89,343,500 | 1,033 |
| Average total loans | $824,896,250 | 842 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5683% | 758 |
| Cost of funding earning assets | 1.6844% | 905 |
| Net interest margin | 3.8839% | 1,457 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.9706% | 1,089 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.6624% | 3,428 |
| Return on assets (ROA) | 0.6624% | 3,433 |
| Pretax return on assets | 0.8311% | 3,324 |
| Return on Equity (ROE) | 7.3100% | 3,410 |
| Retained earnings to average equity (ytd only) | 3.9138% | 3,226 |
| Net charge-offs to loans | 0.6313% | 132 |
| Credit loss provision to net charge-offs | 48.9395% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1.8766% | 2,348 |
| Efficiency ratio | 74.8478% | 1,271 |
| Assets per employee ($millions) | 5.7408% | 2,932 |
| Cash dividends to net income (ytd only)* | 46.4406% | 1,435 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0411% | 3,240 |
| Loan loss allowance to noncurrent loans | 377.2264% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 2,034 |
| Noncurrent loans to loans | 0.2760% | 2,166 |
| Net loans and leases to total assets | 82.4400% | 384 |
| Net loans and leases to deposits | 93.9603% | 869 |
| Net loans and leases to core deposits | 112.4171% | 736 |
| Total domestic deposits to total assets | 87.7400% | 1,695 |
| Equity capital to assets | 9.1074% | 2,438 |
| Core capital (leverage) ratio | 9.3221% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2061% | 2,570 |
| Memoranda: |
| Average total assets | $988,288,000 | 985 |
| Average earning assets | $951,774,667 | 940 |
| Average equity | $89,580,667 | 1,023 |
| Average total loans | $821,490,667 | 828 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3805% | 751 |
| Cost of funding earning assets | 1.6199% | 673 |
| Net interest margin | 3.7606% | 1,766 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.9173% | 1,203 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.7757% | 3,275 |
| Return on assets (ROA) | 0.7757% | 3,230 |
| Pretax return on assets | 0.9742% | 3,070 |
| Return on Equity (ROE) | 8.5100% | 3,177 |
| Retained earnings to average equity (ytd only) | 3.9948% | 3,270 |
| Net charge-offs to loans | -0.0053% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.1512% | 1,234 |
| Assets per employee ($millions) | 6.5164% | 2,331 |
| Cash dividends to net income (ytd only)* | 53.0421% | 1,118 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1883% | 2,618 |
| Loan loss allowance to noncurrent loans | 54,400.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,909 |
| Noncurrent loans to loans | 0.0022% | 3,851 |
| Net loans and leases to total assets | 82.2100% | 356 |
| Net loans and leases to deposits | 94.8927% | 728 |
| Net loans and leases to core deposits | 112.4164% | 631 |
| Total domestic deposits to total assets | 86.6300% | 2,403 |
| Equity capital to assets | 9.1977% | 2,371 |
| Core capital (leverage) ratio | 9.1631% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1736% | 2,668 |
| Memoranda: |
| Average total assets | $991,596,500 | 999 |
| Average earning assets | $957,601,500 | 948 |
| Average equity | $90,418,500 | 1,027 |
| Average total loans | $823,323,500 | 844 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7273% | 493 |
| Cost of funding earning assets | 0.5699% | 1,020 |
| Net interest margin | 4.1574% | 598 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.8605% | 1,195 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.9678% | 2,690 |
| Return on assets (ROA) | 0.9678% | 2,636 |
| Pretax return on assets | 1.2185% | 2,377 |
| Return on Equity (ROE) | 10.4200% | 2,671 |
| Retained earnings to average equity (ytd only) | 6.5862% | 2,413 |
| Net charge-offs to loans | 0.0131% | 1,888 |
| Credit loss provision to net charge-offs | 2,280.6122% | 234 |
| Earnings coverage of net charge-offs (x) | 141.4592% | 818 |
| Efficiency ratio | 66.0747% | 2,220 |
| Assets per employee ($millions) | 6.2434% | 2,560 |
| Cash dividends to net income (ytd only)* | 36.8125% | 2,072 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1665% | 2,545 |
| Loan loss allowance to noncurrent loans | 28,223.5294% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,616 |
| Noncurrent loans to loans | 0.0041% | 3,852 |
| Net loans and leases to total assets | 81.9000% | 416 |
| Net loans and leases to deposits | 97.6805% | 539 |
| Net loans and leases to core deposits | 110.3080% | 602 |
| Total domestic deposits to total assets | 83.8400% | 3,243 |
| Equity capital to assets | 9.0394% | 2,334 |
| Core capital (leverage) ratio | 9.3331% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8528% | 2,770 |
| Memoranda: |
| Average total assets | $954,300,200 | 1,026 |
| Average earning assets | $923,290,000 | 976 |
| Average equity | $88,609,800 | 1,049 |
| Average total loans | $747,635,200 | 860 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5558% | 461 |
| Cost of funding earning assets | 0.4021% | 1,276 |
| Net interest margin | 4.1537% | 465 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.8839% | 1,088 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 0.9312% | 2,756 |
| Return on assets (ROA) | 0.9312% | 2,722 |
| Pretax return on assets | 1.1696% | 2,493 |
| Return on Equity (ROE) | 9.9600% | 2,735 |
| Retained earnings to average equity (ytd only) | 6.6387% | 2,500 |
| Net charge-offs to loans | 0.0121% | 1,668 |
| Credit loss provision to net charge-offs | 2,893.9394% | 187 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 736 |
| Efficiency ratio | 66.4621% | 2,221 |
| Assets per employee ($millions) | 6.0126% | 2,753 |
| Cash dividends to net income (ytd only)* | 33.3434% | 1,883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1702% | 2,694 |
| Loan loss allowance to noncurrent loans | 3,563.9847% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,667 |
| Noncurrent loans to loans | 0.0328% | 3,660 |
| Net loans and leases to total assets | 80.1600% | 517 |
| Net loans and leases to deposits | 92.4807% | 740 |
| Net loans and leases to core deposits | 100.3148% | 796 |
| Total domestic deposits to total assets | 86.6800% | 2,862 |
| Equity capital to assets | 8.9803% | 2,229 |
| Core capital (leverage) ratio | 9.3053% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9435% | 2,832 |
| Memoranda: |
| Average total assets | $944,701,500 | 1,041 |
| Average earning assets | $914,480,500 | 989 |
| Average equity | $88,328,750 | 1,064 |
| Average total loans | $728,891,000 | 872 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3635% | 468 |
| Cost of funding earning assets | 0.3077% | 1,655 |
| Net interest margin | 4.0558% | 439 |
| Noninterest income to average assets | 0.2671% | 3,570 |
| Noninterest expense to average assets | 2.8316% | 1,113 |
| Loan and lease loss provision to assets | 0.3173% | 205 |
| Net operating income to assets | 0.8339% | 2,840 |
| Return on assets (ROA) | 0.8339% | 2,816 |
| Pretax return on assets | 1.0462% | 2,582 |
| Return on Equity (ROE) | 8.7975% | 2,757 |
| Retained earnings to average equity (ytd only) | 5.5182% | 2,504 |
| Net charge-offs to loans | 0.0164% | 1,420 |
| Credit loss provision to net charge-offs | 2,551.7241% | 205 |
| Earnings coverage of net charge-offs (x) | 109.6552% | 775 |
| Efficiency ratio | 67.2424% | 2,348 |
| Assets per employee ($millions) | 5.9988% | 2,746 |
| Cash dividends to net income (ytd only)* | 37.2751% | 1,828 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1616% | 2,882 |
| Loan loss allowance to noncurrent loans | 1,922.2944% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,471 |
| Noncurrent loans to loans | 0.0604% | 3,502 |
| Net loans and leases to total assets | 79.2242% | 461 |
| Net loans and leases to deposits | 88.8564% | 781 |
| Net loans and leases to core deposits | 96.2415% | 819 |
| Total domestic deposits to total assets | 89.1599% | 2,107 |
| Equity capital to assets | 9.1051% | 2,309 |
| Core capital (leverage) ratio | 9.4657% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9425% | 2,830 |
| Memoranda: |
| Average total assets | $932,915,667 | 1,049 |
| Average earning assets | $903,494,333 | 1,006 |
| Average equity | $88,434,333 | 1,071 |
| Average total loans | $706,879,000 | 878 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1682% | 556 |
| Cost of funding earning assets | 0.3143% | 1,521 |
| Net interest margin | 3.8539% | 563 |
| Noninterest income to average assets | 0.2693% | 3,518 |
| Noninterest expense to average assets | 2.8320% | 1,094 |
| Loan and lease loss provision to assets | 0.2081% | 345 |
| Net operating income to assets | 0.7714% | 2,767 |
| Return on assets (ROA) | 0.7714% | 2,759 |
| Pretax return on assets | 0.9670% | 2,546 |
| Return on Equity (ROE) | 7.9750% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.6301% | 2,018 |
| Net charge-offs to loans | 0.0024% | 1,727 |
| Credit loss provision to net charge-offs | 12,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 677.5000% | 143 |
| Efficiency ratio | 70.4036% | 2,172 |
| Assets per employee ($millions) | 6.0004% | 2,813 |
| Cash dividends to net income (ytd only)* | 16.8634% | 2,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1494% | 3,104 |
| Loan loss allowance to noncurrent loans | 2,293.3526% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,628 |
| Noncurrent loans to loans | 0.0501% | 3,621 |
| Net loans and leases to total assets | 72.4416% | 792 |
| Net loans and leases to deposits | 81.5704% | 1,039 |
| Net loans and leases to core deposits | 87.4178% | 1,055 |
| Total domestic deposits to total assets | 88.8086% | 2,165 |
| Equity capital to assets | 9.4010% | 2,359 |
| Core capital (leverage) ratio | 9.3135% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6740% | 2,726 |
| Memoranda: |
| Average total assets | $922,469,000 | 1,059 |
| Average earning assets | $894,669,000 | 1,019 |
| Average equity | $89,229,000 | 1,095 |
| Average total loans | $678,054,000 | 907 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3886% | 730 |
| Cost of funding earning assets | 0.4325% | 1,308 |
| Net interest margin | 3.9561% | 782 |
| Noninterest income to average assets | 0.3232% | 3,472 |
| Noninterest expense to average assets | 2.9283% | 1,100 |
| Loan and lease loss provision to assets | 0.1936% | 568 |
| Net operating income to assets | 0.8451% | 3,202 |
| Return on assets (ROA) | 0.8526% | 3,247 |
| Pretax return on assets | 1.0637% | 3,093 |
| Return on Equity (ROE) | 9.2793% | 2,791 |
| Retained earnings to average equity (ytd only) | 5.0547% | 2,761 |
| Net charge-offs to loans | 0.0097% | 2,195 |
| Credit loss provision to net charge-offs | 2,708.6207% | 247 |
| Earnings coverage of net charge-offs (x) | 174.6034% | 594 |
| Efficiency ratio | 69.8171% | 1,756 |
| Assets per employee ($millions) | 6.0596% | 2,707 |
| Cash dividends to net income (ytd only)* | 45.5268% | 1,747 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1203% | 3,274 |
| Loan loss allowance to noncurrent loans | 2,367.6190% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,742 |
| Noncurrent loans to loans | 0.0473% | 3,745 |
| Net loans and leases to total assets | 72.9082% | 764 |
| Net loans and leases to deposits | 81.6449% | 1,092 |
| Net loans and leases to core deposits | 88.7994% | 1,029 |
| Total domestic deposits to total assets | 89.2992% | 1,353 |
| Equity capital to assets | 9.9565% | 2,695 |
| Core capital (leverage) ratio | 9.6895% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3405% | 2,516 |
| Memoranda: |
| Average total assets | $811,504,800 | 1,148 |
| Average earning assets | $790,351,400 | 1,099 |
| Average equity | $74,564,200 | 1,280 |
| Average total loans | $594,943,400 | 1,021 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4569% | 722 |
| Cost of funding earning assets | 0.4586% | 1,296 |
| Net interest margin | 3.9983% | 801 |
| Noninterest income to average assets | 0.3462% | 3,378 |
| Noninterest expense to average assets | 2.9504% | 1,046 |
| Loan and lease loss provision to assets | 0.2048% | 500 |
| Net operating income to assets | 0.8685% | 3,328 |
| Return on assets (ROA) | 0.8788% | 3,382 |
| Pretax return on assets | 1.0965% | 3,202 |
| Return on Equity (ROE) | 9.7983% | 2,807 |
| Retained earnings to average equity (ytd only) | 5.1800% | 3,150 |
| Net charge-offs to loans | 0.0115% | 1,899 |
| Credit loss provision to net charge-offs | 2,422.0000% | 289 |
| Earnings coverage of net charge-offs (x) | 152.4200% | 675 |
| Efficiency ratio | 69.3056% | 1,674 |
| Assets per employee ($millions) | 5.9248% | 2,768 |
| Cash dividends to net income (ytd only)* | 47.1335% | 1,311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1343% | 3,281 |
| Loan loss allowance to noncurrent loans | 961.5697% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 3,440 |
| Noncurrent loans to loans | 0.1180% | 3,503 |
| Net loans and leases to total assets | 71.5982% | 910 |
| Net loans and leases to deposits | 79.0689% | 1,373 |
| Net loans and leases to core deposits | 86.0844% | 1,288 |
| Total domestic deposits to total assets | 90.5516% | 532 |
| Equity capital to assets | 8.6859% | 4,082 |
| Core capital (leverage) ratio | 8.5635% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0270% | 2,960 |
| Memoranda: |
| Average total assets | $788,660,500 | 1,183 |
| Average earning assets | $767,812,750 | 1,135 |
| Average equity | $70,731,500 | 1,359 |
| Average total loans | $577,246,000 | 1,065 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3497% | 926 |
| Cost of funding earning assets | 0.4792% | 1,333 |
| Net interest margin | 3.8705% | 1,026 |
| Noninterest income to average assets | 0.3779% | 3,224 |
| Noninterest expense to average assets | 2.9748% | 1,027 |
| Loan and lease loss provision to assets | 0.1863% | 608 |
| Net operating income to assets | 0.7878% | 3,541 |
| Return on assets (ROA) | 0.8037% | 3,575 |
| Pretax return on assets | 1.0000% | 3,447 |
| Return on Equity (ROE) | 8.8560% | 3,150 |
| Retained earnings to average equity (ytd only) | 4.6691% | 3,309 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5117% | 1,476 |
| Assets per employee ($millions) | 5.6629% | 2,946 |
| Cash dividends to net income (ytd only)* | 47.2775% | 1,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1212% | 3,326 |
| Loan loss allowance to noncurrent loans | 756.3636% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 3,486 |
| Noncurrent loans to loans | 0.1482% | 3,461 |
| Net loans and leases to total assets | 74.0368% | 749 |
| Net loans and leases to deposits | 81.4376% | 1,283 |
| Net loans and leases to core deposits | 89.3147% | 1,185 |
| Total domestic deposits to total assets | 90.9123% | 402 |
| Equity capital to assets | 8.7961% | 3,979 |
| Core capital (leverage) ratio | 8.3164% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2921% | 2,902 |
| Memoranda: |
| Average total assets | $763,209,000 | 1,211 |
| Average earning assets | $742,074,000 | 1,162 |
| Average equity | $69,264,000 | 1,368 |
| Average total loans | $560,847,667 | 1,095 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3393% | 984 |
| Cost of funding earning assets | 0.5060% | 1,355 |
| Net interest margin | 3.8333% | 1,082 |
| Noninterest income to average assets | 0.4008% | 3,085 |
| Noninterest expense to average assets | 2.9797% | 1,033 |
| Loan and lease loss provision to assets | 0.1128% | 1,224 |
| Net operating income to assets | 0.8303% | 3,327 |
| Return on assets (ROA) | 0.8530% | 3,342 |
| Pretax return on assets | 1.0615% | 3,212 |
| Return on Equity (ROE) | 9.2484% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.7997% | 2,314 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9005% | 1,507 |
| Assets per employee ($millions) | 5.5203% | 3,095 |
| Cash dividends to net income (ytd only)* | 15.6642% | 2,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1034% | 3,413 |
| Loan loss allowance to noncurrent loans | 1,039.8649% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,824 |
| Noncurrent loans to loans | 0.1061% | 3,781 |
| Net loans and leases to total assets | 72.9589% | 901 |
| Net loans and leases to deposits | 80.5319% | 1,472 |
| Net loans and leases to core deposits | 88.4623% | 1,332 |
| Total domestic deposits to total assets | 90.5963% | 544 |
| Equity capital to assets | 9.2040% | 3,492 |
| Core capital (leverage) ratio | 8.8014% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4241% | 2,521 |
| Memoranda: |
| Average total assets | $748,410,000 | 1,216 |
| Average earning assets | $727,213,500 | 1,175 |
| Average equity | $69,028,000 | 1,363 |
| Average total loans | $544,459,000 | 1,119 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9179% | 580 |
| Cost of funding earning assets | 0.8247% | 1,109 |
| Net interest margin | 4.0932% | 796 |
| Noninterest income to average assets | 0.4123% | 3,036 |
| Noninterest expense to average assets | 3.2769% | 932 |
| Loan and lease loss provision to assets | 0.1985% | 1,969 |
| Net operating income to assets | 0.7201% | 3,363 |
| Return on assets (ROA) | 0.7438% | 3,407 |
| Pretax return on assets | 0.9190% | 3,316 |
| Return on Equity (ROE) | 7.0629% | 3,186 |
| Retained earnings to average equity (ytd only) | 3.2042% | 3,220 |
| Net charge-offs to loans | 0.0089% | 3,011 |
| Credit loss provision to net charge-offs | 2,822.2222% | 345 |
| Earnings coverage of net charge-offs (x) | 154.7333% | 555 |
| Efficiency ratio | 74.2535% | 1,412 |
| Assets per employee ($millions) | 5.4855% | 2,857 |
| Cash dividends to net income (ytd only)* | 54.6333% | 1,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1196% | 3,368 |
| Loan loss allowance to noncurrent loans | 1,292.3913% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 4,034 |
| Noncurrent loans to loans | 0.0866% | 3,945 |
| Net loans and leases to total assets | 70.9001% | 1,440 |
| Net loans and leases to deposits | 78.2851% | 2,040 |
| Net loans and leases to core deposits | 86.9586% | 1,797 |
| Total domestic deposits to total assets | 90.5665% | 347 |
| Equity capital to assets | 9.2430% | 3,847 |
| Core capital (leverage) ratio | 8.9718% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0342% | 2,223 |
| Memoranda: |
| Average total assets | $639,841,200 | 1,274 |
| Average earning assets | $617,902,200 | 1,233 |
| Average equity | $67,380,200 | 1,335 |
| Average total loans | $503,902,400 | 1,131 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8890% | 747 |
| Cost of funding earning assets | 0.8993% | 1,074 |
| Net interest margin | 3.9897% | 1,138 |
| Noninterest income to average assets | 0.4421% | 2,879 |
| Noninterest expense to average assets | 3.4138% | 787 |
| Loan and lease loss provision to assets | 0.0911% | 3,173 |
| Net operating income to assets | 0.6409% | 3,663 |
| Return on assets (ROA) | 0.6742% | 3,660 |
| Pretax return on assets | 0.8249% | 3,582 |
| Return on Equity (ROE) | 6.1746% | 3,491 |
| Retained earnings to average equity (ytd only) | 3.1946% | 3,435 |
| Net charge-offs to loans | 0.0005% | 3,229 |
| Credit loss provision to net charge-offs | 21,000.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 2,018.0000% | 54 |
| Efficiency ratio | 78.7246% | 970 |
| Assets per employee ($millions) | 5.0792% | 3,147 |
| Cash dividends to net income (ytd only)* | 48.2625% | 1,566 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9274% | 3,984 |
| Loan loss allowance to noncurrent loans | 976.8061% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 4,039 |
| Noncurrent loans to loans | 0.0949% | 3,986 |
| Net loans and leases to total assets | 81.8667% | 445 |
| Net loans and leases to deposits | 92.0151% | 1,071 |
| Net loans and leases to core deposits | 102.9929% | 982 |
| Total domestic deposits to total assets | 88.9709% | 780 |
| Equity capital to assets | 10.1528% | 3,099 |
| Core capital (leverage) ratio | 9.3362% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3737% | 2,469 |
| Memoranda: |
| Average total assets | $614,665,500 | 1,291 |
| Average earning assets | $592,711,250 | 1,252 |
| Average equity | $67,112,500 | 1,322 |
| Average total loans | $497,130,750 | 1,132 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9495% | 896 |
| Cost of funding earning assets | 0.9805% | 1,041 |
| Net interest margin | 3.9690% | 1,402 |
| Noninterest income to average assets | 0.4067% | 3,034 |
| Noninterest expense to average assets | 3.4979% | 750 |
| Loan and lease loss provision to assets | 0.0872% | 3,190 |
| Net operating income to assets | 0.5319% | 3,928 |
| Return on assets (ROA) | 0.5570% | 3,946 |
| Pretax return on assets | 0.6754% | 3,920 |
| Return on Equity (ROE) | 4.9706% | 3,835 |
| Retained earnings to average equity (ytd only) | 3.4734% | 3,192 |
| Net charge-offs to loans | 0.0008% | 3,008 |
| Credit loss provision to net charge-offs | 13,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 1,091.0000% | 81 |
| Efficiency ratio | 81.7879% | 768 |
| Assets per employee ($millions) | 5.0051% | 3,167 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,360 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9370% | 3,850 |
| Loan loss allowance to noncurrent loans | 799.0369% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 4,058 |
| Noncurrent loans to loans | 0.1173% | 3,981 |
| Net loans and leases to total assets | 79.0590% | 712 |
| Net loans and leases to deposits | 90.5849% | 1,297 |
| Net loans and leases to core deposits | 103.0979% | 1,055 |
| Total domestic deposits to total assets | 87.2762% | 1,511 |
| Equity capital to assets | 10.1772% | 3,041 |
| Core capital (leverage) ratio | 9.6202% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3122% | 2,066 |
| Memoranda: |
| Average total assets | $596,068,667 | 1,302 |
| Average earning assets | $574,196,667 | 1,260 |
| Average equity | $66,793,333 | 1,321 |
| Average total loans | $478,168,333 | 1,158 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1393% | 741 |
| Cost of funding earning assets | 1.0897% | 1,078 |
| Net interest margin | 4.0496% | 1,253 |
| Noninterest income to average assets | 0.3998% | 3,107 |
| Noninterest expense to average assets | 3.5819% | 830 |
| Loan and lease loss provision to assets | 0.0784% | 2,735 |
| Net operating income to assets | 0.5290% | 3,819 |
| Return on assets (ROA) | 0.5716% | 3,748 |
| Pretax return on assets | 0.6920% | 3,706 |
| Return on Equity (ROE) | 4.8374% | 3,689 |
| Retained earnings to average equity (ytd only) | 4.8374% | 2,347 |
| Net charge-offs to loans | 0.0080% | 2,280 |
| Credit loss provision to net charge-offs | 1,222.2222% | 499 |
| Earnings coverage of net charge-offs (x) | 112.1111% | 532 |
| Efficiency ratio | 82.3364% | 954 |
| Assets per employee ($millions) | 4.3761% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0468% | 3,460 |
| Loan loss allowance to noncurrent loans | 4,156.0345% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,529 |
| Noncurrent loans to loans | 0.0252% | 4,468 |
| Net loans and leases to total assets | 80.1077% | 686 |
| Net loans and leases to deposits | 93.0997% | 1,170 |
| Net loans and leases to core deposits | 109.5989% | 870 |
| Total domestic deposits to total assets | 86.0451% | 1,982 |
| Equity capital to assets | 11.7480% | 2,252 |
| Core capital (leverage) ratio | 11.1026% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5278% | 2,067 |
| Memoranda: |
| Average total assets | $561,262,500 | 1,333 |
| Average earning assets | $540,699,500 | 1,287 |
| Average equity | $66,316,000 | 1,324 |
| Average total loans | $451,623,000 | 1,184 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1794% | 1,044 |
| Cost of funding earning assets | 1.1340% | 1,212 |
| Net interest margin | 4.0454% | 1,695 |
| Noninterest income to average assets | 0.4652% | 2,927 |
| Noninterest expense to average assets | 3.3208% | 1,258 |
| Loan and lease loss provision to assets | 0.1718% | 1,217 |
| Net operating income to assets | 0.7090% | 3,845 |
| Return on assets (ROA) | 0.7084% | 3,910 |
| Pretax return on assets | 0.8678% | 3,831 |
| Return on Equity (ROE) | 6.4743% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.4743% | 1,620 |
| Net charge-offs to loans | 0.1053% | 1,675 |
| Credit loss provision to net charge-offs | 206.4220% | 1,286 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 2,412 |
| Efficiency ratio | 75.1466% | 1,466 |
| Assets per employee ($millions) | 4.5755% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0662% | 3,132 |
| Loan loss allowance to noncurrent loans | 3,277.7778% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 4,522 |
| Noncurrent loans to loans | 0.0325% | 4,432 |
| Net loans and leases to total assets | 79.1100% | 914 |
| Net loans and leases to deposits | 91.9553% | 1,374 |
| Net loans and leases to core deposits | 107.4151% | 1,015 |
| Total domestic deposits to total assets | 86.0309% | 2,056 |
| Equity capital to assets | 11.8849% | 2,212 |
| Core capital (leverage) ratio | 11.0611% | 2,451 |
| Tier 1 risk-based capital ratio | 13.7771% | 3,381 |
| Total risk-based capital ratio | 14.8492% | 3,370 |
| Memoranda: |
| Average total assets | $523,857,000 | 1,366 |
| Average earning assets | $504,493,800 | 1,321 |
| Average equity | $57,318,600 | 1,418 |
| Average total loans | $414,087,200 | 1,232 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1374% | 1,186 |
| Cost of funding earning assets | 1.1310% | 1,238 |
| Net interest margin | 4.0063% | 1,910 |
| Noninterest income to average assets | 0.4864% | 2,819 |
| Noninterest expense to average assets | 3.3107% | 1,244 |
| Loan and lease loss provision to assets | 0.1962% | 900 |
| Net operating income to assets | 0.6891% | 4,047 |
| Return on assets (ROA) | 0.6891% | 4,105 |
| Pretax return on assets | 0.8370% | 4,041 |
| Return on Equity (ROE) | 6.4469% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.4469% | 2,146 |
| Net charge-offs to loans | 0.1261% | 1,250 |
| Credit loss provision to net charge-offs | 197.4026% | 1,327 |
| Earnings coverage of net charge-offs (x) | 10.3948% | 2,501 |
| Efficiency ratio | 75.1976% | 1,427 |
| Assets per employee ($millions) | 4.7561% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0703% | 3,173 |
| Loan loss allowance to noncurrent loans | 14,036.3636% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,741 |
| Noncurrent loans to loans | 0.0076% | 4,649 |
| Net loans and leases to total assets | 78.2785% | 1,098 |
| Net loans and leases to deposits | 91.5478% | 1,494 |
| Net loans and leases to core deposits | 108.3058% | 1,034 |
| Total domestic deposits to total assets | 85.5056% | 2,205 |
| Equity capital to assets | 11.8273% | 2,393 |
| Core capital (leverage) ratio | 11.3088% | 2,369 |
| Tier 1 risk-based capital ratio | 13.7651% | 3,441 |
| Total risk-based capital ratio | 14.8355% | 3,442 |
| Memoranda: |
| Average total assets | $516,412,000 | 1,391 |
| Average earning assets | $497,234,750 | 1,343 |
| Average equity | $55,198,500 | 1,467 |
| Average total loans | $406,933,500 | 1,259 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0873% | 1,248 |
| Cost of funding earning assets | 1.1217% | 1,220 |
| Net interest margin | 3.9656% | 2,034 |
| Noninterest income to average assets | 0.4670% | 2,862 |
| Noninterest expense to average assets | 3.2602% | 1,359 |
| Loan and lease loss provision to assets | 0.2054% | 824 |
| Net operating income to assets | 0.6752% | 4,082 |
| Return on assets (ROA) | 0.6752% | 4,137 |
| Pretax return on assets | 0.8186% | 4,047 |
| Return on Equity (ROE) | 6.5687% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.5687% | 2,022 |
| Net charge-offs to loans | 0.1903% | 872 |
| Credit loss provision to net charge-offs | 137.2032% | 1,596 |
| Earnings coverage of net charge-offs (x) | 6.8391% | 2,539 |
| Efficiency ratio | 75.0461% | 1,512 |
| Assets per employee ($millions) | 4.6595% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0723% | 3,226 |
| Loan loss allowance to noncurrent loans | 2,601.7751% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 4,606 |
| Noncurrent loans to loans | 0.0412% | 4,501 |
| Net loans and leases to total assets | 79.1493% | 1,017 |
| Net loans and leases to deposits | 91.0583% | 1,616 |
| Net loans and leases to core deposits | 107.4858% | 1,137 |
| Total domestic deposits to total assets | 86.9215% | 1,633 |
| Equity capital to assets | 12.4021% | 1,911 |
| Core capital (leverage) ratio | 11.3795% | 2,265 |
| Tier 1 risk-based capital ratio | 14.4003% | 3,119 |
| Total risk-based capital ratio | 15.4815% | 3,109 |
| Memoranda: |
| Average total assets | $506,230,670 | 1,415 |
| Average earning assets | $487,296,000 | 1,363 |
| Average equity | $52,034,670 | 1,536 |
| Average total loans | $398,317,670 | 1,278 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9948% | 1,349 |
| Cost of funding earning assets | 1.0882% | 1,225 |
| Net interest margin | 3.9066% | 2,164 |
| Noninterest income to average assets | 0.4461% | 2,866 |
| Noninterest expense to average assets | 3.1391% | 1,635 |
| Loan and lease loss provision to assets | 0.1908% | 850 |
| Net operating income to assets | 0.7212% | 3,871 |
| Return on assets (ROA) | 0.7212% | 3,917 |
| Pretax return on assets | 0.8754% | 3,841 |
| Return on Equity (ROE) | 7.8411% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.8411% | 1,724 |
| Net charge-offs to loans | 0.3374% | 457 |
| Credit loss provision to net charge-offs | 72.5076% | 1,834 |
| Earnings coverage of net charge-offs (x) | 4.0514% | 2,351 |
| Efficiency ratio | 73.5678% | 1,804 |
| Assets per employee ($millions) | 4.9896% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0532% | 3,393 |
| Loan loss allowance to noncurrent loans | 8,679.1667% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 4,830 |
| Noncurrent loans to loans | 0.0121% | 4,733 |
| Net loans and leases to total assets | 75.4275% | 1,579 |
| Net loans and leases to deposits | 85.6978% | 2,169 |
| Net loans and leases to core deposits | 100.4844% | 1,575 |
| Total domestic deposits to total assets | 88.0157% | 1,329 |
| Equity capital to assets | 9.0528% | 4,643 |
| Core capital (leverage) ratio | 8.6728% | 4,893 |
| Tier 1 risk-based capital ratio | 10.6996% | 5,111 |
| Total risk-based capital ratio | 11.7431% | 5,086 |
| Memoranda: |
| Average total assets | $503,074,500 | 1,428 |
| Average earning assets | $484,107,000 | 1,382 |
| Average equity | $46,269,000 | 1,693 |
| Average total loans | $392,441,000 | 1,306 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9934% | 1,056 |
| Cost of funding earning assets | 0.8537% | 1,292 |
| Net interest margin | 4.1397% | 1,560 |
| Noninterest income to average assets | 0.5046% | 2,814 |
| Noninterest expense to average assets | 3.2980% | 1,329 |
| Loan and lease loss provision to assets | 0.1389% | 1,550 |
| Net operating income to assets | 0.8426% | 3,634 |
| Return on assets (ROA) | 0.8469% | 3,617 |
| Pretax return on assets | 1.0332% | 3,500 |
| Return on Equity (ROE) | 9.2336% | 2,867 |
| Retained earnings to average equity (ytd only) | 9.2336% | 795 |
| Net charge-offs to loans | 0.0158% | 3,159 |
| Credit loss provision to net charge-offs | 1,132.7586% | 349 |
| Earnings coverage of net charge-offs (x) | 95.1552% | 760 |
| Efficiency ratio | 72.7875% | 1,798 |
| Assets per employee ($millions) | 5.0230% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0935% | 3,147 |
| Loan loss allowance to noncurrent loans | 1,023.3173% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 4,391 |
| Noncurrent loans to loans | 0.1069% | 4,251 |
| Net loans and leases to total assets | 79.0286% | 1,091 |
| Net loans and leases to deposits | 91.1580% | 1,646 |
| Net loans and leases to core deposits | 107.5771% | 1,151 |
| Total domestic deposits to total assets | 86.6941% | 1,919 |
| Equity capital to assets | 9.3511% | 4,266 |
| Core capital (leverage) ratio | 8.7241% | 4,860 |
| Tier 1 risk-based capital ratio | 10.7573% | 5,090 |
| Total risk-based capital ratio | 11.8538% | 5,041 |
| Memoranda: |
| Average total assets | $473,010,600 | 1,477 |
| Average earning assets | $452,497,000 | 1,442 |
| Average equity | $43,385,000 | 1,723 |
| Average total loans | $367,255,400 | 1,339 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9104% | 1,134 |
| Cost of funding earning assets | 0.8145% | 1,266 |
| Net interest margin | 4.0959% | 1,645 |
| Noninterest income to average assets | 0.5089% | 2,818 |
| Noninterest expense to average assets | 3.3283% | 1,243 |
| Loan and lease loss provision to assets | 0.1633% | 1,165 |
| Net operating income to assets | 0.7692% | 4,013 |
| Return on assets (ROA) | 0.7751% | 4,003 |
| Pretax return on assets | 0.9378% | 3,906 |
| Return on Equity (ROE) | 8.4933% | 3,332 |
| Retained earnings to average equity (ytd only) | 8.4933% | 1,422 |
| Net charge-offs to loans | 0.0155% | 2,873 |
| Credit loss provision to net charge-offs | 1,369.0476% | 294 |
| Earnings coverage of net charge-offs (x) | 91.7120% | 806 |
| Efficiency ratio | 74.1635% | 1,566 |
| Assets per employee ($millions) | 4.9770% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1048% | 3,162 |
| Loan loss allowance to noncurrent loans | 1,239.9408% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,631 |
| Noncurrent loans to loans | 0.0891% | 4,485 |
| Net loans and leases to total assets | 77.7071% | 1,385 |
| Net loans and leases to deposits | 88.0800% | 2,143 |
| Net loans and leases to core deposits | 101.4201% | 1,657 |
| Total domestic deposits to total assets | 88.2233% | 1,145 |
| Equity capital to assets | 9.0810% | 4,475 |
| Core capital (leverage) ratio | 8.3710% | 5,161 |
| Tier 1 risk-based capital ratio | 10.5647% | 5,220 |
| Total risk-based capital ratio | 11.6646% | 5,185 |
| Memoranda: |
| Average total assets | $469,454,500 | 1,501 |
| Average earning assets | $448,537,250 | 1,460 |
| Average equity | $42,840,750 | 1,747 |
| Average total loans | $361,741,250 | 1,357 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8146% | 1,212 |
| Cost of funding earning assets | 0.7616% | 1,320 |
| Net interest margin | 4.0530% | 1,690 |
| Noninterest income to average assets | 0.5019% | 2,853 |
| Noninterest expense to average assets | 3.3543% | 1,210 |
| Loan and lease loss provision to assets | 0.1548% | 1,220 |
| Net operating income to assets | 0.7175% | 4,148 |
| Return on assets (ROA) | 0.7264% | 4,119 |
| Pretax return on assets | 0.8739% | 4,043 |
| Return on Equity (ROE) | 7.9468% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.9468% | 1,653 |
| Net charge-offs to loans | 0.0236% | 2,397 |
| Credit loss provision to net charge-offs | 857.1429% | 470 |
| Earnings coverage of net charge-offs (x) | 56.3571% | 1,036 |
| Efficiency ratio | 75.5951% | 1,483 |
| Assets per employee ($millions) | 4.9092% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0875% | 3,339 |
| Loan loss allowance to noncurrent loans | 806.4909% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 4,478 |
| Noncurrent loans to loans | 0.1348% | 4,302 |
| Net loans and leases to total assets | 75.9407% | 1,647 |
| Net loans and leases to deposits | 86.2828% | 2,282 |
| Net loans and leases to core deposits | 96.8388% | 1,980 |
| Total domestic deposits to total assets | 88.0137% | 1,376 |
| Equity capital to assets | 9.0207% | 4,543 |
| Core capital (leverage) ratio | 8.5131% | 5,101 |
| Tier 1 risk-based capital ratio | 10.4940% | 5,271 |
| Total risk-based capital ratio | 11.5592% | 5,256 |
| Memoranda: |
| Average total assets | $465,016,670 | 1,518 |
| Average earning assets | $444,062,330 | 1,473 |
| Average equity | $42,507,670 | 1,766 |
| Average total loans | $355,876,330 | 1,375 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7424% | 1,203 |
| Cost of funding earning assets | 0.7257% | 1,314 |
| Net interest margin | 4.0166% | 1,672 |
| Noninterest income to average assets | 0.5163% | 2,711 |
| Noninterest expense to average assets | 3.3494% | 1,251 |
| Loan and lease loss provision to assets | 0.1567% | 1,153 |
| Net operating income to assets | 0.7104% | 4,064 |
| Return on assets (ROA) | 0.7287% | 3,996 |
| Pretax return on assets | 0.8724% | 3,938 |
| Return on Equity (ROE) | 7.9180% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.9180% | 1,872 |
| Net charge-offs to loans | 0.0444% | 1,675 |
| Credit loss provision to net charge-offs | 461.5385% | 629 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,246 |
| Efficiency ratio | 75.7394% | 1,631 |
| Assets per employee ($millions) | 4.9960% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0627% | 3,585 |
| Loan loss allowance to noncurrent loans | 561.0044% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 4,089 |
| Noncurrent loans to loans | 0.1894% | 4,115 |
| Net loans and leases to total assets | 76.1029% | 1,526 |
| Net loans and leases to deposits | 87.5391% | 1,993 |
| Net loans and leases to core deposits | 100.8991% | 1,622 |
| Total domestic deposits to total assets | 86.9358% | 2,151 |
| Equity capital to assets | 9.1783% | 4,385 |
| Core capital (leverage) ratio | 8.5597% | 5,097 |
| Tier 1 risk-based capital ratio | 10.6657% | 5,295 |
| Total risk-based capital ratio | 11.7101% | 5,276 |
| Memoranda: |
| Average total assets | $459,428,000 | 1,540 |
| Average earning assets | $439,275,500 | 1,500 |
| Average equity | $42,283,500 | 1,785 |
| Average total loans | $351,014,000 | 1,393 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6492% | 1,308 |
| Cost of funding earning assets | 0.6361% | 1,378 |
| Net interest margin | 4.0131% | 1,710 |
| Noninterest income to average assets | 0.5270% | 2,838 |
| Noninterest expense to average assets | 3.2565% | 1,478 |
| Loan and lease loss provision to assets | 0.2327% | 830 |
| Net operating income to assets | 0.5644% | 4,172 |
| Return on assets (ROA) | 0.5841% | 4,124 |
| Pretax return on assets | 0.8982% | 3,934 |
| Return on Equity (ROE) | 6.0714% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.2641% | 3,959 |
| Net charge-offs to loans | 0.1649% | 1,484 |
| Credit loss provision to net charge-offs | 189.0359% | 1,442 |
| Earnings coverage of net charge-offs (x) | 8.9414% | 2,851 |
| Efficiency ratio | 73.5220% | 1,978 |
| Assets per employee ($millions) | 5.2210% | 2,231 |
| Cash dividends to net income (ytd only)* | 62.7092% | 1,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0614% | 3,546 |
| Loan loss allowance to noncurrent loans | 435.4762% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 3,947 |
| Noncurrent loans to loans | 0.2437% | 3,925 |
| Net loans and leases to total assets | 75.0673% | 1,739 |
| Net loans and leases to deposits | 84.9903% | 2,372 |
| Net loans and leases to core deposits | 97.7375% | 1,880 |
| Total domestic deposits to total assets | 88.3246% | 1,338 |
| Equity capital to assets | 9.2293% | 4,499 |
| Core capital (leverage) ratio | 8.3644% | 5,244 |
| Tier 1 risk-based capital ratio | 10.9963% | 5,153 |
| Total risk-based capital ratio | 12.0673% | 5,135 |
| Memoranda: |
| Average total assets | $429,751,200 | 1,614 |
| Average earning assets | $410,157,200 | 1,565 |
| Average equity | $41,341,200 | 1,803 |
| Average total loans | $320,825,400 | 1,481 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6277% | 1,299 |
| Cost of funding earning assets | 0.6220% | 1,392 |
| Net interest margin | 4.0057% | 1,681 |
| Noninterest income to average assets | 0.5410% | 2,772 |
| Noninterest expense to average assets | 3.2641% | 1,427 |
| Loan and lease loss provision to assets | 0.1951% | 981 |
| Net operating income to assets | 0.6691% | 4,124 |
| Return on assets (ROA) | 0.6949% | 4,076 |
| Pretax return on assets | 0.9392% | 3,902 |
| Return on Equity (ROE) | 7.1462% | 3,570 |
| Retained earnings to average equity (ytd only) | 2.0519% | 4,617 |
| Net charge-offs to loans | 0.0961% | 1,824 |
| Credit loss provision to net charge-offs | 273.1278% | 1,060 |
| Earnings coverage of net charge-offs (x) | 15.3876% | 2,231 |
| Efficiency ratio | 73.5791% | 1,961 |
| Assets per employee ($millions) | 5.3580% | 2,056 |
| Cash dividends to net income (ytd only)* | 71.2860% | 914 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0854% | 3,573 |
| Loan loss allowance to noncurrent loans | 386.9189% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 3,759 |
| Noncurrent loans to loans | 0.2805% | 3,945 |
| Net loans and leases to total assets | 73.3400% | 2,036 |
| Net loans and leases to deposits | 82.6668% | 2,697 |
| Net loans and leases to core deposits | 93.9137% | 2,281 |
| Total domestic deposits to total assets | 88.7176% | 1,005 |
| Equity capital to assets | 9.5680% | 4,376 |
| Core capital (leverage) ratio | 8.6114% | 5,147 |
| Tier 1 risk-based capital ratio | 11.3757% | 5,033 |
| Total risk-based capital ratio | 12.4663% | 5,026 |
| Memoranda: |
| Average total assets | $423,632,250 | 1,636 |
| Average earning assets | $404,250,750 | 1,597 |
| Average equity | $41,196,000 | 1,826 |
| Average total loans | $314,873,250 | 1,513 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5910% | 1,271 |
| Cost of funding earning assets | 0.6135% | 1,370 |
| Net interest margin | 3.9775% | 1,684 |
| Noninterest income to average assets | 0.5444% | 2,748 |
| Noninterest expense to average assets | 3.2784% | 1,411 |
| Loan and lease loss provision to assets | 0.1824% | 1,036 |
| Net operating income to assets | 0.6551% | 4,051 |
| Return on assets (ROA) | 0.6572% | 4,105 |
| Pretax return on assets | 0.8776% | 4,001 |
| Return on Equity (ROE) | 6.7199% | 3,714 |
| Retained earnings to average equity (ytd only) | -1.0063% | 5,233 |
| Net charge-offs to loans | 0.0090% | 3,140 |
| Credit loss provision to net charge-offs | 2,714.2857% | 158 |
| Earnings coverage of net charge-offs (x) | 157.2857% | 482 |
| Efficiency ratio | 74.3550% | 1,949 |
| Assets per employee ($millions) | 5.1716% | 2,185 |
| Cash dividends to net income (ytd only)* | 114.9744% | 330 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1041% | 3,564 |
| Loan loss allowance to noncurrent loans | 453.7676% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,439 |
| Noncurrent loans to loans | 0.2433% | 4,160 |
| Net loans and leases to total assets | 75.0435% | 1,691 |
| Net loans and leases to deposits | 85.5632% | 2,280 |
| Net loans and leases to core deposits | 96.4682% | 1,933 |
| Total domestic deposits to total assets | 87.7053% | 1,613 |
| Equity capital to assets | 9.6253% | 4,287 |
| Core capital (leverage) ratio | 8.4248% | 5,267 |
| Tier 1 risk-based capital ratio | 10.6602% | 5,399 |
| Total risk-based capital ratio | 11.7277% | 5,394 |
| Memoranda: |
| Average total assets | $416,605,670 | 1,662 |
| Average earning assets | $397,085,000 | 1,622 |
| Average equity | $40,744,670 | 1,840 |
| Average total loans | $309,920,670 | 1,528 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5769% | 1,194 |
| Cost of funding earning assets | 0.6000% | 1,373 |
| Net interest margin | 3.9770% | 1,531 |
| Noninterest income to average assets | 0.5425% | 2,694 |
| Noninterest expense to average assets | 3.2397% | 1,504 |
| Loan and lease loss provision to assets | 0.1744% | 1,012 |
| Net operating income to assets | 0.6850% | 3,766 |
| Return on assets (ROA) | 0.6850% | 3,801 |
| Pretax return on assets | 0.9175% | 3,698 |
| Return on Equity (ROE) | 6.9470% | 3,429 |
| Retained earnings to average equity (ytd only) | 6.9470% | 1,872 |
| Net charge-offs to loans | 0.0092% | 2,650 |
| Credit loss provision to net charge-offs | 2,571.4286% | 132 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 336 |
| Efficiency ratio | 73.5182% | 2,317 |
| Assets per employee ($millions) | 4.9534% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0844% | 3,797 |
| Loan loss allowance to noncurrent loans | 464.5920% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 4,547 |
| Noncurrent loans to loans | 0.2334% | 4,278 |
| Net loans and leases to total assets | 73.6356% | 1,798 |
| Net loans and leases to deposits | 83.9441% | 2,291 |
| Net loans and leases to core deposits | 95.6270% | 1,844 |
| Total domestic deposits to total assets | 87.7198% | 1,877 |
| Equity capital to assets | 9.9107% | 3,860 |
| Core capital (leverage) ratio | 8.8734% | 4,878 |
| Tier 1 risk-based capital ratio | 11.1813% | 5,213 |
| Total risk-based capital ratio | 12.2147% | 5,243 |
| Memoranda: |
| Average total assets | $412,873,500 | 1,684 |
| Average earning assets | $393,363,000 | 1,643 |
| Average equity | $40,708,000 | 1,844 |
| Average total loans | $303,986,000 | 1,560 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3197% | 2,080 |
| Cost of funding earning assets | 0.6590% | 1,011 |
| Net interest margin | 3.6607% | 2,857 |
| Noninterest income to average assets | 0.3876% | 3,980 |
| Noninterest expense to average assets | 3.1811% | 1,840 |
| Loan and lease loss provision to assets | 0.1448% | 1,726 |
| Net operating income to assets | 0.4237% | 4,865 |
| Return on assets (ROA) | 0.4586% | 4,854 |
| Pretax return on assets | 0.5565% | 4,904 |
| Return on Equity (ROE) | 4.4285% | 4,694 |
| Retained earnings to average equity (ytd only) | 0.1800% | 5,245 |
| Net charge-offs to loans | 0.0890% | 2,429 |
| Credit loss provision to net charge-offs | 235.6557% | 1,225 |
| Earnings coverage of net charge-offs (x) | 10.7213% | 2,611 |
| Efficiency ratio | 81.3484% | 1,275 |
| Assets per employee ($millions) | 4.9959% | 2,400 |
| Cash dividends to net income (ytd only)* | 95.9363% | 439 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0683% | 3,903 |
| Loan loss allowance to noncurrent loans | 178.9888% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 3,526 |
| Noncurrent loans to loans | 0.5969% | 3,063 |
| Net loans and leases to total assets | 72.0204% | 2,167 |
| Net loans and leases to deposits | 83.8997% | 2,431 |
| Net loans and leases to core deposits | 94.5505% | 2,052 |
| Total domestic deposits to total assets | 85.8410% | 2,658 |
| Equity capital to assets | 9.8078% | 3,931 |
| Core capital (leverage) ratio | 8.7804% | 4,990 |
| Tier 1 risk-based capital ratio | 11.2803% | 5,181 |
| Total risk-based capital ratio | 12.2856% | 5,214 |
| Memoranda: |
| Average total assets | $397,098,400 | 1,697 |
| Average earning assets | $374,491,200 | 1,662 |
| Average equity | $41,119,600 | 1,799 |
| Average total loans | $274,139,800 | 1,650 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2786% | 2,230 |
| Cost of funding earning assets | 0.6699% | 949 |
| Net interest margin | 3.6087% | 3,040 |
| Noninterest income to average assets | 0.3442% | 4,325 |
| Noninterest expense to average assets | 3.1397% | 1,930 |
| Loan and lease loss provision to assets | 0.1337% | 1,755 |
| Net operating income to assets | 0.3929% | 5,040 |
| Return on assets (ROA) | 0.4410% | 4,985 |
| Pretax return on assets | 0.5225% | 5,071 |
| Return on Equity (ROE) | 4.2009% | 4,833 |
| Retained earnings to average equity (ytd only) | -0.6513% | 5,453 |
| Net charge-offs to loans | 0.1233% | 1,727 |
| Credit loss provision to net charge-offs | 159.2742% | 1,707 |
| Earnings coverage of net charge-offs (x) | 7.1371% | 2,910 |
| Efficiency ratio | 82.4296% | 1,143 |
| Assets per employee ($millions) | 5.0698% | 2,293 |
| Cash dividends to net income (ytd only)* | 115.5029% | 248 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0580% | 4,082 |
| Loan loss allowance to noncurrent loans | 200.4005% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 3,958 |
| Noncurrent loans to loans | 0.5280% | 3,412 |
| Net loans and leases to total assets | 68.3622% | 2,745 |
| Net loans and leases to deposits | 77.8293% | 3,200 |
| Net loans and leases to core deposits | 87.9209% | 2,772 |
| Total domestic deposits to total assets | 87.8361% | 1,484 |
| Equity capital to assets | 10.0843% | 4,054 |
| Core capital (leverage) ratio | 8.7862% | 5,068 |
| Tier 1 risk-based capital ratio | 11.4688% | 5,107 |
| Total risk-based capital ratio | 12.4400% | 5,168 |
| Memoranda: |
| Average total assets | $393,957,250 | 1,712 |
| Average earning assets | $370,581,000 | 1,684 |
| Average equity | $41,354,750 | 1,802 |
| Average total loans | $268,118,000 | 1,686 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2685% | 2,262 |
| Cost of funding earning assets | 0.6681% | 947 |
| Net interest margin | 3.6004% | 3,094 |
| Noninterest income to average assets | 0.3249% | 4,457 |
| Noninterest expense to average assets | 3.1195% | 2,006 |
| Loan and lease loss provision to assets | 0.1256% | 1,812 |
| Net operating income to assets | 0.3934% | 5,055 |
| Return on assets (ROA) | 0.4284% | 5,035 |
| Pretax return on assets | 0.5067% | 5,114 |
| Return on Equity (ROE) | 4.0256% | 4,905 |
| Retained earnings to average equity (ytd only) | -3.2563% | 5,653 |
| Net charge-offs to loans | 0.1674% | 1,335 |
| Credit loss provision to net charge-offs | 110.9091% | 1,950 |
| Earnings coverage of net charge-offs (x) | 5.2182% | 2,883 |
| Efficiency ratio | 82.4868% | 1,212 |
| Assets per employee ($millions) | 4.8433% | 2,495 |
| Cash dividends to net income (ytd only)* | 180.8894% | 141 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0328% | 4,334 |
| Loan loss allowance to noncurrent loans | 218.6029% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 4,187 |
| Noncurrent loans to loans | 0.4725% | 3,668 |
| Net loans and leases to total assets | 68.6245% | 2,690 |
| Net loans and leases to deposits | 77.5837% | 3,199 |
| Net loans and leases to core deposits | 88.3408% | 2,697 |
| Total domestic deposits to total assets | 88.4522% | 1,194 |
| Equity capital to assets | 10.1829% | 3,996 |
| Core capital (leverage) ratio | 8.7442% | 5,113 |
| Tier 1 risk-based capital ratio | 11.4137% | 5,209 |
| Total risk-based capital ratio | 12.3556% | 5,278 |
| Memoranda: |
| Average total assets | $388,390,670 | 1,731 |
| Average earning assets | $365,237,000 | 1,705 |
| Average equity | $41,335,670 | 1,796 |
| Average total loans | $262,912,000 | 1,713 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2608% | 2,270 |
| Cost of funding earning assets | 0.6559% | 1,023 |
| Net interest margin | 3.6050% | 3,063 |
| Noninterest income to average assets | 0.3406% | 4,296 |
| Noninterest expense to average assets | 3.0686% | 2,185 |
| Loan and lease loss provision to assets | 0.1296% | 1,635 |
| Net operating income to assets | 0.4281% | 4,912 |
| Return on assets (ROA) | 0.4743% | 4,824 |
| Pretax return on assets | 0.5757% | 4,886 |
| Return on Equity (ROE) | 4.2979% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.2979% | 3,332 |
| Net charge-offs to loans | 0.3246% | 678 |
| Credit loss provision to net charge-offs | 59.9034% | 1,985 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,603 |
| Efficiency ratio | 80.9444% | 1,489 |
| Assets per employee ($millions) | 4.9249% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9401% | 4,903 |
| Loan loss allowance to noncurrent loans | 188.7023% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 4,231 |
| Noncurrent loans to loans | 0.4982% | 3,680 |
| Net loans and leases to total assets | 66.1160% | 2,928 |
| Net loans and leases to deposits | 76.3084% | 3,183 |
| Net loans and leases to core deposits | 84.6795% | 2,876 |
| Total domestic deposits to total assets | 86.6431% | 2,386 |
| Equity capital to assets | 10.8256% | 3,136 |
| Core capital (leverage) ratio | 9.6295% | 4,001 |
| Tier 1 risk-based capital ratio | 12.5132% | 4,568 |
| Total risk-based capital ratio | 13.3619% | 4,746 |
| Memoranda: |
| Average total assets | $382,848,000 | 1,750 |
| Average earning assets | $358,617,000 | 1,732 |
| Average equity | $42,253,000 | 1,748 |
| Average total loans | $255,044,500 | 1,765 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2885% | 2,257 |
| Cost of funding earning assets | 0.7031% | 809 |
| Net interest margin | 3.5854% | 3,193 |
| Noninterest income to average assets | 0.3462% | 4,435 |
| Noninterest expense to average assets | 3.0830% | 2,288 |
| Loan and lease loss provision to assets | 0.0293% | 3,787 |
| Net operating income to assets | 0.5039% | 4,676 |
| Return on assets (ROA) | 0.5069% | 4,755 |
| Pretax return on assets | 0.6267% | 4,761 |
| Return on Equity (ROE) | 4.7436% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.3000% | 3,698 |
| Net charge-offs to loans | 0.0668% | 2,905 |
| Credit loss provision to net charge-offs | 64.1892% | 3,206 |
| Earnings coverage of net charge-offs (x) | 14.2838% | 2,314 |
| Efficiency ratio | 81.4885% | 1,476 |
| Assets per employee ($millions) | 4.8273% | 2,565 |
| Cash dividends to net income (ytd only)* | 30.4321% | 3,324 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0339% | 4,416 |
| Loan loss allowance to noncurrent loans | 194.8894% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 4,177 |
| Noncurrent loans to loans | 0.5305% | 3,580 |
| Net loans and leases to total assets | 65.7971% | 3,013 |
| Net loans and leases to deposits | 74.4037% | 3,449 |
| Net loans and leases to core deposits | 81.9353% | 3,157 |
| Total domestic deposits to total assets | 88.4325% | 1,414 |
| Equity capital to assets | 11.2600% | 2,576 |
| Core capital (leverage) ratio | 9.6711% | 3,942 |
| Tier 1 risk-based capital ratio | 12.5193% | 4,622 |
| Total risk-based capital ratio | 13.4060% | 4,758 |
| Memoranda: |
| Average total assets | $324,104,000 | 2,023 |
| Average earning assets | $306,356,400 | 1,987 |
| Average equity | $34,636,200 | 2,059 |
| Average total loans | $221,525,200 | 1,917 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2713% | 2,326 |
| Cost of funding earning assets | 0.7180% | 764 |
| Net interest margin | 3.5533% | 3,327 |
| Noninterest income to average assets | 0.3310% | 4,575 |
| Noninterest expense to average assets | 2.9583% | 2,645 |
| Loan and lease loss provision to assets | 0.0235% | 3,808 |
| Net operating income to assets | 0.5648% | 4,549 |
| Return on assets (ROA) | 0.5688% | 4,619 |
| Pretax return on assets | 0.7230% | 4,603 |
| Return on Equity (ROE) | 5.4093% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.3788% | 4,064 |
| Net charge-offs to loans | 0.0800% | 2,415 |
| Credit loss provision to net charge-offs | 42.6357% | 3,130 |
| Earnings coverage of net charge-offs (x) | 13.4570% | 2,325 |
| Efficiency ratio | 79.0835% | 1,792 |
| Assets per employee ($millions) | 5.4428% | 1,835 |
| Cash dividends to net income (ytd only)* | 37.5374% | 2,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1260% | 4,080 |
| Loan loss allowance to noncurrent loans | 19,492.3077% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 5,805 |
| Noncurrent loans to loans | 0.0058% | 5,630 |
| Net loans and leases to total assets | 68.1367% | 2,655 |
| Net loans and leases to deposits | 76.0865% | 3,293 |
| Net loans and leases to core deposits | 84.5867% | 2,977 |
| Total domestic deposits to total assets | 89.5516% | 754 |
| Equity capital to assets | 10.2282% | 3,894 |
| Core capital (leverage) ratio | 9.8660% | 3,815 |
| Tier 1 risk-based capital ratio | 11.7930% | 5,206 |
| Total risk-based capital ratio | 12.7565% | 5,297 |
| Memoranda: |
| Average total assets | $312,203,750 | 2,091 |
| Average earning assets | $295,980,750 | 2,051 |
| Average equity | $32,831,750 | 2,172 |
| Average total loans | $215,125,000 | 1,964 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2399% | 2,393 |
| Cost of funding earning assets | 0.7323% | 710 |
| Net interest margin | 3.5077% | 3,466 |
| Noninterest income to average assets | 0.3227% | 4,640 |
| Noninterest expense to average assets | 2.9341% | 2,771 |
| Loan and lease loss provision to assets | 0.0358% | 3,410 |
| Net operating income to assets | 0.5358% | 4,630 |
| Return on assets (ROA) | 0.5419% | 4,704 |
| Pretax return on assets | 0.6857% | 4,705 |
| Return on Equity (ROE) | 5.1039% | 4,571 |
| Retained earnings to average equity (ytd only) | 2.0403% | 4,676 |
| Net charge-offs to loans | 0.1218% | 1,792 |
| Credit loss provision to net charge-offs | 42.6357% | 2,781 |
| Earnings coverage of net charge-offs (x) | 8.5039% | 2,557 |
| Efficiency ratio | 79.5256% | 1,832 |
| Assets per employee ($millions) | 5.4945% | 1,744 |
| Cash dividends to net income (ytd only)* | 60.0240% | 1,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1776% | 3,926 |
| Loan loss allowance to noncurrent loans | 15,837.5000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,886 |
| Noncurrent loans to loans | 0.0074% | 5,740 |
| Net loans and leases to total assets | 69.1141% | 2,463 |
| Net loans and leases to deposits | 77.4837% | 3,095 |
| Net loans and leases to core deposits | 86.8339% | 2,672 |
| Total domestic deposits to total assets | 89.1983% | 1,051 |
| Equity capital to assets | 10.6165% | 3,305 |
| Core capital (leverage) ratio | 9.8957% | 3,744 |
| Tier 1 risk-based capital ratio | 12.3494% | 4,909 |
| Total risk-based capital ratio | 13.3751% | 4,960 |
| Memoranda: |
| Average total assets | $307,416,000 | 2,140 |
| Average earning assets | $291,420,000 | 2,098 |
| Average equity | $32,641,670 | 2,190 |
| Average total loans | $211,818,000 | 2,000 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1535% | 2,623 |
| Cost of funding earning assets | 0.7216% | 766 |
| Net interest margin | 3.4319% | 3,702 |
| Noninterest income to average assets | 0.2656% | 5,053 |
| Noninterest expense to average assets | 2.8105% | 3,216 |
| Loan and lease loss provision to assets | 0.0391% | 3,128 |
| Net operating income to assets | 0.5272% | 4,556 |
| Return on assets (ROA) | 0.5272% | 4,674 |
| Pretax return on assets | 0.6665% | 4,706 |
| Return on Equity (ROE) | 4.9648% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.9648% | 3,073 |
| Net charge-offs to loans | -0.0057% | 4,533 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0078% | 2,039 |
| Assets per employee ($millions) | 5.4702% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2287% | 3,793 |
| Loan loss allowance to noncurrent loans | 320.8991% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 4,871 |
| Noncurrent loans to loans | 0.3829% | 4,448 |
| Net loans and leases to total assets | 69.3055% | 2,236 |
| Net loans and leases to deposits | 77.8649% | 2,825 |
| Net loans and leases to core deposits | 87.6486% | 2,363 |
| Total domestic deposits to total assets | 89.0074% | 1,266 |
| Equity capital to assets | 10.7455% | 3,268 |
| Core capital (leverage) ratio | 10.0306% | 3,557 |
| Tier 1 risk-based capital ratio | 11.8384% | 5,342 |
| Total risk-based capital ratio | 12.8684% | 5,401 |
| Memoranda: |
| Average total assets | $307,278,500 | 2,148 |
| Average earning assets | $291,032,500 | 2,109 |
| Average equity | $32,629,500 | 2,201 |
| Average total loans | $210,131,000 | 2,011 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2641% | 2,723 |
| Cost of funding earning assets | 0.7288% | 954 |
| Net interest margin | 3.5352% | 3,663 |
| Noninterest income to average assets | 0.3252% | 4,795 |
| Noninterest expense to average assets | 2.6191% | 4,148 |
| Loan and lease loss provision to assets | 0.2650% | 834 |
| Net operating income to assets | 0.6079% | 4,332 |
| Return on assets (ROA) | 0.6174% | 4,390 |
| Pretax return on assets | 0.8022% | 4,253 |
| Return on Equity (ROE) | 6.0699% | 4,109 |
| Retained earnings to average equity (ytd only) | 6.0699% | 1,879 |
| Net charge-offs to loans | 0.0085% | 4,750 |
| Credit loss provision to net charge-offs | 4,812.5000% | 61 |
| Earnings coverage of net charge-offs (x) | 191.5625% | 278 |
| Efficiency ratio | 70.3419% | 3,477 |
| Assets per employee ($millions) | 6.1630% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2702% | 3,593 |
| Loan loss allowance to noncurrent loans | 318.4371% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 4,966 |
| Noncurrent loans to loans | 0.3989% | 4,447 |
| Net loans and leases to total assets | 65.7820% | 2,925 |
| Net loans and leases to deposits | 73.6191% | 3,484 |
| Net loans and leases to core deposits | 82.2268% | 3,078 |
| Total domestic deposits to total assets | 89.3546% | 1,046 |
| Equity capital to assets | 10.4955% | 3,486 |
| Core capital (leverage) ratio | 9.4883% | 4,258 |
| Tier 1 risk-based capital ratio | 13.3503% | 4,507 |
| Total risk-based capital ratio | 14.5334% | 4,472 |
| Memoranda: |
| Average total assets | $290,560,400 | 2,209 |
| Average earning assets | $275,228,800 | 2,164 |
| Average equity | $29,555,600 | 2,300 |
| Average total loans | $188,403,000 | 2,131 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2949% | 2,658 |
| Cost of funding earning assets | 0.7225% | 1,034 |
| Net interest margin | 3.5724% | 3,540 |
| Noninterest income to average assets | 0.2982% | 5,069 |
| Noninterest expense to average assets | 2.6106% | 4,163 |
| Loan and lease loss provision to assets | 0.3117% | 613 |
| Net operating income to assets | 0.5875% | 4,496 |
| Return on assets (ROA) | 0.6006% | 4,530 |
| Pretax return on assets | 0.7748% | 4,453 |
| Return on Equity (ROE) | 5.9552% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.9552% | 2,441 |
| Net charge-offs to loans | 0.0058% | 4,491 |
| Credit loss provision to net charge-offs | 8,362.5000% | 50 |
| Earnings coverage of net charge-offs (x) | 286.9035% | 237 |
| Efficiency ratio | 69.9709% | 3,513 |
| Assets per employee ($millions) | 6.3466% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2193% | 4,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 66.8818% | 2,704 |
| Net loans and leases to deposits | 77.6737% | 2,985 |
| Net loans and leases to core deposits | 86.5505% | 2,607 |
| Total domestic deposits to total assets | 86.1060% | 2,800 |
| Equity capital to assets | 10.3954% | 3,684 |
| Core capital (leverage) ratio | 9.6155% | 4,213 |
| Tier 1 risk-based capital ratio | 13.2000% | 4,726 |
| Total risk-based capital ratio | 14.3488% | 4,729 |
| Memoranda: |
| Average total assets | $286,162,750 | 2,247 |
| Average earning assets | $270,921,250 | 2,204 |
| Average equity | $28,859,000 | 2,364 |
| Average total loans | $184,174,750 | 2,185 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2068% | 2,929 |
| Cost of funding earning assets | 0.7226% | 1,068 |
| Net interest margin | 3.4842% | 3,842 |
| Noninterest income to average assets | 0.2579% | 5,352 |
| Noninterest expense to average assets | 2.6400% | 4,097 |
| Loan and lease loss provision to assets | 0.3079% | 631 |
| Net operating income to assets | 0.4827% | 4,879 |
| Return on assets (ROA) | 0.5036% | 4,884 |
| Pretax return on assets | 0.6250% | 4,873 |
| Return on Equity (ROE) | 5.0497% | 4,648 |
| Retained earnings to average equity (ytd only) | 5.0497% | 2,931 |
| Net charge-offs to loans | -0.0204% | 5,555 |
| Credit loss provision to net charge-offs | -2,394.4444% | 5,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3991% | 3,087 |
| Assets per employee ($millions) | 6.0683% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1502% | 4,662 |
| Loan loss allowance to noncurrent loans | 112.0917% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 3,922 |
| Noncurrent loans to loans | 1.0262% | 3,181 |
| Net loans and leases to total assets | 66.4460% | 2,685 |
| Net loans and leases to deposits | 77.2126% | 2,899 |
| Net loans and leases to core deposits | 86.1114% | 2,504 |
| Total domestic deposits to total assets | 86.0559% | 3,014 |
| Equity capital to assets | 10.4663% | 3,480 |
| Core capital (leverage) ratio | 10.3077% | 3,207 |
| Tier 1 risk-based capital ratio | 13.2143% | 4,776 |
| Total risk-based capital ratio | 14.2886% | 4,816 |
| Memoranda: |
| Average total assets | $280,005,000 | 2,290 |
| Average earning assets | $264,337,000 | 2,250 |
| Average equity | $27,922,670 | 2,415 |
| Average total loans | $176,812,670 | 2,269 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0973% | 3,297 |
| Cost of funding earning assets | 0.7400% | 1,017 |
| Net interest margin | 3.3573% | 4,305 |
| Noninterest income to average assets | 0.2432% | 5,413 |
| Noninterest expense to average assets | 2.6771% | 4,009 |
| Loan and lease loss provision to assets | 0.2786% | 734 |
| Net operating income to assets | 0.3925% | 5,145 |
| Return on assets (ROA) | 0.3848% | 5,238 |
| Pretax return on assets | 0.4423% | 5,333 |
| Return on Equity (ROE) | 3.9660% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.9660% | 3,732 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4989% | 2,554 |
| Assets per employee ($millions) | 6.0933% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1443% | 4,897 |
| Loan loss allowance to noncurrent loans | 203,900.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 6,359 |
| Noncurrent loans to loans | 0.0006% | 6,208 |
| Net loans and leases to total assets | 62.8458% | 3,098 |
| Net loans and leases to deposits | 72.3638% | 3,288 |
| Net loans and leases to core deposits | 81.1724% | 2,834 |
| Total domestic deposits to total assets | 86.8470% | 2,915 |
| Equity capital to assets | 10.8864% | 2,841 |
| Core capital (leverage) ratio | 10.4764% | 2,961 |
| Tier 1 risk-based capital ratio | 14.1666% | 4,215 |
| Total risk-based capital ratio | 15.2049% | 4,303 |
| Memoranda: |
| Average total assets | $271,335,000 | 2,367 |
| Average earning assets | $255,683,000 | 2,319 |
| Average equity | $26,323,500 | 2,525 |
| Average total loans | $165,282,500 | 2,391 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0223% | 4,010 |
| Cost of funding earning assets | 0.8583% | 918 |
| Net interest margin | 3.1640% | 5,113 |
| Noninterest income to average assets | 0.3301% | 4,976 |
| Noninterest expense to average assets | 2.8511% | 3,526 |
| Loan and lease loss provision to assets | 0.3749% | 827 |
| Net operating income to assets | 0.0947% | 6,055 |
| Return on assets (ROA) | 0.1474% | 6,013 |
| Pretax return on assets | 0.1537% | 6,012 |
| Return on Equity (ROE) | 1.5277% | 5,981 |
| Retained earnings to average equity (ytd only) | -0.2446% | 5,928 |
| Net charge-offs to loans | 0.0211% | 5,014 |
| Credit loss provision to net charge-offs | 2,992.3077% | 77 |
| Earnings coverage of net charge-offs (x) | 37.8077% | 992 |
| Efficiency ratio | 85.3913% | 1,479 |
| Assets per employee ($millions) | 5.8306% | 1,382 |
| Cash dividends to net income (ytd only)* | 116.0131% | 257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2141% | 4,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 57.3692% | 4,139 |
| Net loans and leases to deposits | 62.7035% | 4,650 |
| Net loans and leases to core deposits | 70.4947% | 4,244 |
| Total domestic deposits to total assets | 91.4927% | 404 |
| Equity capital to assets | 8.4356% | 5,652 |
| Core capital (leverage) ratio | 8.4581% | 5,717 |
| Tier 1 risk-based capital ratio | 11.9436% | 5,645 |
| Total risk-based capital ratio | 13.0125% | 5,698 |
| Memoranda: |
| Average total assets | $207,535,800 | 2,941 |
| Average earning assets | $196,430,600 | 2,867 |
| Average equity | $20,030,200 | 3,150 |
| Average total loans | $123,477,400 | 2,973 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0178% | 4,061 |
| Cost of funding earning assets | 0.8742% | 931 |
| Net interest margin | 3.1435% | 5,169 |
| Noninterest income to average assets | 0.3144% | 5,187 |
| Noninterest expense to average assets | 2.8630% | 3,431 |
| Loan and lease loss provision to assets | 0.3577% | 883 |
| Net operating income to assets | 0.0528% | 6,217 |
| Return on assets (ROA) | 0.1046% | 6,194 |
| Pretax return on assets | 0.1575% | 6,119 |
| Return on Equity (ROE) | 1.0390% | 6,174 |
| Retained earnings to average equity (ytd only) | -1.3877% | 6,184 |
| Net charge-offs to loans | 0.0092% | 4,964 |
| Credit loss provision to net charge-offs | 6,500.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 79.3486% | 599 |
| Efficiency ratio | 86.7626% | 1,291 |
| Assets per employee ($millions) | 5.4816% | 1,643 |
| Cash dividends to net income (ytd only)* | 233.5537% | 52 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1242% | 5,232 |
| Loan loss allowance to noncurrent loans | 10,673.3333% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,499 |
| Noncurrent loans to loans | 0.0105% | 6,338 |
| Net loans and leases to total assets | 55.8434% | 4,341 |
| Net loans and leases to deposits | 61.2498% | 4,840 |
| Net loans and leases to core deposits | 66.0175% | 4,710 |
| Total domestic deposits to total assets | 91.1733% | 468 |
| Equity capital to assets | 8.6950% | 5,527 |
| Core capital (leverage) ratio | 9.8643% | 3,870 |
| Tier 1 risk-based capital ratio | 12.4977% | 5,459 |
| Total risk-based capital ratio | 13.4915% | 5,549 |
| Memoranda: |
| Average total assets | $193,825,750 | 3,124 |
| Average earning assets | $184,077,000 | 3,051 |
| Average equity | $19,504,500 | 3,245 |
| Average total loans | $116,253,500 | 3,138 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1360% | 3,601 |
| Cost of funding earning assets | 0.9244% | 799 |
| Net interest margin | 3.2116% | 4,906 |
| Noninterest income to average assets | 0.3108% | 5,218 |
| Noninterest expense to average assets | 2.9774% | 3,069 |
| Loan and lease loss provision to assets | 0.4588% | 626 |
| Net operating income to assets | -0.0387% | 6,344 |
| Return on assets (ROA) | 0.0551% | 6,308 |
| Pretax return on assets | 0.0826% | 6,260 |
| Return on Equity (ROE) | 0.5134% | 6,306 |
| Retained earnings to average equity (ytd only) | -3.2838% | 6,343 |
| Net charge-offs to loans | 0.0205% | 4,431 |
| Credit loss provision to net charge-offs | 3,636.3636% | 86 |
| Earnings coverage of net charge-offs (x) | 31.8182% | 1,103 |
| Efficiency ratio | 88.1195% | 1,210 |
| Assets per employee ($millions) | 5.2640% | 1,832 |
| Cash dividends to net income (ytd only)* | 739.5833% | 6 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1667% | 5,164 |
| Loan loss allowance to noncurrent loans | 188.6220% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 5,204 |
| Noncurrent loans to loans | 0.6185% | 4,711 |
| Net loans and leases to total assets | 68.6007% | 2,126 |
| Net loans and leases to deposits | 76.0533% | 2,869 |
| Net loans and leases to core deposits | 85.8027% | 2,352 |
| Total domestic deposits to total assets | 90.2008% | 908 |
| Equity capital to assets | 9.7183% | 4,275 |
| Core capital (leverage) ratio | 10.6116% | 2,754 |
| Tier 1 risk-based capital ratio | 13.7523% | 4,604 |
| Total risk-based capital ratio | 14.8721% | 4,656 |
| Memoranda: |
| Average total assets | $174,382,670 | 3,385 |
| Average earning assets | $166,586,000 | 3,307 |
| Average equity | $18,697,670 | 3,370 |
| Average total loans | $107,533,670 | 3,328 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9190% | 4,407 |
| Cost of funding earning assets | 0.9260% | 868 |
| Net interest margin | 2.9930% | 5,587 |
| Noninterest income to average assets | 0.3069% | 5,238 |
| Noninterest expense to average assets | 2.6934% | 4,093 |
| Loan and lease loss provision to assets | 0.2124% | 1,745 |
| Net operating income to assets | 0.1742% | 5,970 |
| Return on assets (ROA) | 0.3612% | 5,444 |
| Pretax return on assets | 0.5453% | 5,130 |
| Return on Equity (ROE) | 3.2052% | 5,490 |
| Retained earnings to average equity (ytd only) | 3.2052% | 4,331 |
| Net charge-offs to loans | 0.0452% | 3,393 |
| Credit loss provision to net charge-offs | 818.1818% | 370 |
| Earnings coverage of net charge-offs (x) | 18.2727% | 1,270 |
| Efficiency ratio | 85.0224% | 1,636 |
| Assets per employee ($millions) | 5.6009% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1680% | 5,337 |
| Loan loss allowance to noncurrent loans | 7,880.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 6,602 |
| Noncurrent loans to loans | 0.0148% | 6,456 |
| Net loans and leases to total assets | 57.6062% | 3,829 |
| Net loans and leases to deposits | 64.7995% | 4,211 |
| Net loans and leases to core deposits | 73.2243% | 3,675 |
| Total domestic deposits to total assets | 88.8992% | 1,739 |
| Equity capital to assets | 10.9747% | 2,982 |
| Core capital (leverage) ratio | 11.2789% | 2,026 |
| Tier 1 risk-based capital ratio | 16.4178% | 3,055 |
| Total risk-based capital ratio | 17.4517% | 3,104 |
| Memoranda: |
| Average total assets | $169,454,000 | 3,509 |
| Average earning assets | $161,980,500 | 3,402 |
| Average equity | $19,094,000 | 3,362 |
| Average total loans | $97,359,500 | 3,579 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0546% | 5,126 |
| Cost of funding earning assets | 1.1214% | 837 |
| Net interest margin | 2.9332% | 6,169 |
| Noninterest income to average assets | 0.2978% | 5,332 |
| Noninterest expense to average assets | 2.4542% | 5,240 |
| Loan and lease loss provision to assets | 0.2425% | 2,713 |
| Net operating income to assets | 0.2922% | 5,497 |
| Return on assets (ROA) | 0.3725% | 5,442 |
| Pretax return on assets | 0.4992% | 5,284 |
| Return on Equity (ROE) | 2.9240% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.0681% | 5,339 |
| Net charge-offs to loans | 0.2131% | 3,683 |
| Credit loss provision to net charge-offs | 215.5689% | 1,179 |
| Earnings coverage of net charge-offs (x) | 5.6407% | 2,987 |
| Efficiency ratio | 79.4547% | 2,215 |
| Assets per employee ($millions) | 6.6112% | 944 |
| Cash dividends to net income (ytd only)* | 63.4720% | 1,626 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1795% | 5,212 |
| Loan loss allowance to noncurrent loans | 9,191.6667% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 6,676 |
| Noncurrent loans to loans | 0.0128% | 6,515 |
| Net loans and leases to total assets | 55.9133% | 4,304 |
| Net loans and leases to deposits | 63.2942% | 4,628 |
| Net loans and leases to core deposits | 74.2061% | 3,757 |
| Total domestic deposits to total assets | 88.3386% | 2,007 |
| Equity capital to assets | 11.5760% | 2,368 |
| Core capital (leverage) ratio | 11.3870% | 1,945 |
| Tier 1 risk-based capital ratio | 17.3332% | 2,512 |
| Total risk-based capital ratio | 18.3602% | 2,568 |
| Memoranda: |
| Average total assets | $148,441,200 | 3,803 |
| Average earning assets | $141,245,800 | 3,702 |
| Average equity | $18,912,600 | 3,346 |
| Average total loans | $78,383,800 | 4,085 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0587% | 5,335 |
| Cost of funding earning assets | 1.1645% | 815 |
| Net interest margin | 2.8942% | 6,368 |
| Noninterest income to average assets | 0.2690% | 5,629 |
| Noninterest expense to average assets | 2.3342% | 5,588 |
| Loan and lease loss provision to assets | 0.2496% | 2,565 |
| Net operating income to assets | 0.2879% | 5,654 |
| Return on assets (ROA) | 0.3550% | 5,621 |
| Pretax return on assets | 0.5371% | 5,354 |
| Return on Equity (ROE) | 2.7150% | 5,786 |
| Retained earnings to average equity (ytd only) | 0.2333% | 6,010 |
| Net charge-offs to loans | 0.2985% | 2,947 |
| Credit loss provision to net charge-offs | 161.6766% | 1,723 |
| Earnings coverage of net charge-offs (x) | 4.4372% | 3,305 |
| Efficiency ratio | 77.3117% | 2,480 |
| Assets per employee ($millions) | 6.6472% | 880 |
| Cash dividends to net income (ytd only)* | 91.4061% | 435 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2398% | 5,093 |
| Loan loss allowance to noncurrent loans | 3,376.6667% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 5,818 |
| Noncurrent loans to loans | 0.0367% | 6,527 |
| Net loans and leases to total assets | 50.5826% | 5,242 |
| Net loans and leases to deposits | 57.5487% | 5,474 |
| Net loans and leases to core deposits | 68.8909% | 4,627 |
| Total domestic deposits to total assets | 87.8953% | 2,104 |
| Equity capital to assets | 11.9649% | 2,289 |
| Core capital (leverage) ratio | 11.8994% | 1,720 |
| Tier 1 risk-based capital ratio | 18.6250% | 2,125 |
| Total risk-based capital ratio | 19.6516% | 2,173 |
| Memoranda: |
| Average total assets | $144,231,250 | 3,917 |
| Average earning assets | $137,050,500 | 3,810 |
| Average equity | $18,857,500 | 3,383 |
| Average total loans | $74,600,500 | 4,237 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1435% | 5,151 |
| Cost of funding earning assets | 1.1817% | 890 |
| Net interest margin | 2.9618% | 6,315 |
| Noninterest income to average assets | 0.2257% | 5,954 |
| Noninterest expense to average assets | 2.2497% | 5,870 |
| Loan and lease loss provision to assets | 0.2587% | 2,507 |
| Net operating income to assets | 0.3473% | 5,445 |
| Return on assets (ROA) | 0.3881% | 5,496 |
| Pretax return on assets | 0.5894% | 5,177 |
| Return on Equity (ROE) | 2.8753% | 5,739 |
| Retained earnings to average equity (ytd only) | -0.8626% | 6,191 |
| Net charge-offs to loans | 0.4624% | 2,217 |
| Credit loss provision to net charge-offs | 107.7844% | 2,528 |
| Earnings coverage of net charge-offs (x) | 3.2754% | 3,433 |
| Efficiency ratio | 74.1004% | 3,057 |
| Assets per employee ($millions) | 7.2434% | 651 |
| Cash dividends to net income (ytd only)* | 130.0000% | 226 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2149% | 5,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 49.3409% | 5,438 |
| Net loans and leases to deposits | 56.3825% | 5,607 |
| Net loans and leases to core deposits | 69.7344% | 4,558 |
| Total domestic deposits to total assets | 87.5111% | 2,464 |
| Equity capital to assets | 12.3620% | 1,902 |
| Core capital (leverage) ratio | 12.5513% | 1,328 |
| Tier 1 risk-based capital ratio | 20.0573% | 1,691 |
| Total risk-based capital ratio | 21.0708% | 1,720 |
| Memoranda: |
| Average total assets | $139,130,670 | 4,031 |
| Average earning assets | $132,012,670 | 3,919 |
| Average equity | $18,780,670 | 3,386 |
| Average total loans | $72,231,000 | 4,337 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3025% | 4,726 |
| Cost of funding earning assets | 1.2192% | 897 |
| Net interest margin | 3.0832% | 6,102 |
| Noninterest income to average assets | 0.2111% | 6,110 |
| Noninterest expense to average assets | 2.1653% | 6,125 |
| Loan and lease loss provision to assets | 0.2714% | 2,287 |
| Net operating income to assets | 0.4548% | 5,014 |
| Return on assets (ROA) | 0.5006% | 5,040 |
| Pretax return on assets | 0.7569% | 4,581 |
| Return on Equity (ROE) | 3.5377% | 5,494 |
| Retained earnings to average equity (ytd only) | 3.5377% | 4,462 |
| Net charge-offs to loans | 0.9494% | 1,091 |
| Credit loss provision to net charge-offs | 53.8922% | 3,222 |
| Earnings coverage of net charge-offs (x) | 1.9042% | 3,379 |
| Efficiency ratio | 69.3050% | 3,930 |
| Assets per employee ($millions) | 7.1523% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1571% | 5,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 52.3610% | 4,967 |
| Net loans and leases to deposits | 60.8948% | 5,057 |
| Net loans and leases to core deposits | 76.7675% | 3,510 |
| Total domestic deposits to total assets | 85.9860% | 3,532 |
| Equity capital to assets | 13.8683% | 1,065 |
| Core capital (leverage) ratio | 14.3539% | 720 |
| Tier 1 risk-based capital ratio | 22.2273% | 1,251 |
| Total risk-based capital ratio | 23.2274% | 1,264 |
| Memoranda: |
| Average total assets | $132,640,500 | 4,172 |
| Average earning assets | $125,323,500 | 4,077 |
| Average equity | $18,769,000 | 3,384 |
| Average total loans | $70,358,500 | 4,439 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2248% | 5,988 |
| Cost of funding earning assets | 1.4199% | 955 |
| Net interest margin | 2.8049% | 6,818 |
| Noninterest income to average assets | 0.2525% | 5,719 |
| Noninterest expense to average assets | 2.2363% | 6,197 |
| Loan and lease loss provision to assets | 0.4204% | 2,493 |
| Net operating income to assets | 0.9327% | 2,472 |
| Return on assets (ROA) | 1.0034% | 2,328 |
| Pretax return on assets | 0.3213% | 5,503 |
| Return on Equity (ROE) | 8.5976% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.5976% | 902 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9182% | 2,754 |
| Assets per employee ($millions) | 8.0868% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3240% | 4,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 52.4152% | 5,248 |
| Net loans and leases to deposits | 61.3308% | 5,334 |
| Net loans and leases to core deposits | 70.5669% | 4,711 |
| Total domestic deposits to total assets | 85.4631% | 3,613 |
| Equity capital to assets | 14.4465% | 914 |
| Core capital (leverage) ratio | 14.6065% | 689 |
| Tier 1 risk-based capital ratio | 23.8715% | 976 |
| Total risk-based capital ratio | 25.0556% | 967 |
| Memoranda: |
| Average total assets | $108,931,600 | 4,668 |
| Average earning assets | $103,106,400 | 4,558 |
| Average equity | $12,712,800 | 4,392 |
| Average total loans | $56,376,000 | 5,011 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1692% | 6,276 |
| Cost of funding earning assets | 1.4551% | 1,005 |
| Net interest margin | 2.7141% | 6,980 |
| Noninterest income to average assets | 0.2389% | 5,918 |
| Noninterest expense to average assets | 2.1242% | 6,463 |
| Loan and lease loss provision to assets | 0.3185% | 2,989 |
| Net operating income to assets | 0.3737% | 5,112 |
| Return on assets (ROA) | 0.3737% | 5,296 |
| Pretax return on assets | 0.3737% | 5,548 |
| Return on Equity (ROE) | 3.4586% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.4586% | 4,275 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4218% | 2,935 |
| Assets per employee ($millions) | 8.5483% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1142% | 5,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 51.9102% | 5,459 |
| Net loans and leases to deposits | 57.8484% | 5,852 |
| Net loans and leases to core deposits | 65.4137% | 5,484 |
| Total domestic deposits to total assets | 89.7348% | 1,018 |
| Equity capital to assets | 10.1081% | 4,197 |
| Core capital (leverage) ratio | 10.1171% | 3,290 |
| Tier 1 risk-based capital ratio | 14.3334% | 4,103 |
| Total risk-based capital ratio | 15.2192% | 4,344 |
| Memoranda: |
| Average total assets | $103,817,500 | 4,819 |
| Average earning assets | $98,593,250 | 4,703 |
| Average equity | $11,218,000 | 4,756 |
| Average total loans | $53,287,750 | 5,189 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0573% | 6,562 |
| Cost of funding earning assets | 1.4993% | 1,010 |
| Net interest margin | 2.5580% | 7,150 |
| Noninterest income to average assets | 0.2152% | 6,127 |
| Noninterest expense to average assets | 2.1557% | 6,495 |
| Loan and lease loss provision to assets | 0.3248% | 2,843 |
| Net operating income to assets | 0.1624% | 5,851 |
| Return on assets (ROA) | 0.1624% | 5,947 |
| Pretax return on assets | 0.1624% | 5,998 |
| Return on Equity (ROE) | 1.4645% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.4645% | 5,252 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5668% | 2,160 |
| Assets per employee ($millions) | 7.0504% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1047% | 5,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 51.8070% | 5,597 |
| Net loans and leases to deposits | 58.0583% | 5,931 |
| Net loans and leases to core deposits | 68.4974% | 5,239 |
| Total domestic deposits to total assets | 89.2328% | 1,396 |
| Equity capital to assets | 10.5876% | 3,393 |
| Core capital (leverage) ratio | 10.7881% | 2,432 |
| Tier 1 risk-based capital ratio | 15.6249% | 3,171 |
| Total risk-based capital ratio | 16.4847% | 3,339 |
| Memoranda: |
| Average total assets | $98,531,330 | 5,002 |
| Average earning assets | $93,510,000 | 4,898 |
| Average equity | $10,925,000 | 4,818 |
| Average total loans | $50,109,000 | 5,351 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0809% | 6,541 |
| Cost of funding earning assets | 1.4909% | 1,200 |
| Net interest margin | 2.5901% | 7,130 |
| Noninterest income to average assets | 0.1770% | 6,460 |
| Noninterest expense to average assets | 2.2883% | 6,217 |
| Loan and lease loss provision to assets | 0.3371% | 2,536 |
| Net operating income to assets | 0.0042% | 6,341 |
| Return on assets (ROA) | 0.0042% | 6,374 |
| Pretax return on assets | 0.0042% | 6,349 |
| Return on Equity (ROE) | 0.0371% | 6,375 |
| Retained earnings to average equity (ytd only) | 0.0371% | 5,776 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0192% | 1,610 |
| Assets per employee ($millions) | 7.4902% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0547% | 6,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.2560% | 5,676 |
| Net loans and leases to deposits | 57.7116% | 5,953 |
| Net loans and leases to core deposits | 63.8582% | 5,744 |
| Total domestic deposits to total assets | 88.8140% | 1,886 |
| Equity capital to assets | 10.9908% | 2,696 |
| Core capital (leverage) ratio | 11.7492% | 1,705 |
| Tier 1 risk-based capital ratio | 16.8284% | 2,540 |
| Total risk-based capital ratio | 17.6389% | 2,685 |
| Memoranda: |
| Average total assets | $94,919,000 | 5,141 |
| Average earning assets | $89,881,500 | 5,034 |
| Average equity | $10,789,000 | 4,848 |
| Average total loans | $47,463,000 | 5,502 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0106% | 7,125 |
| Cost of funding earning assets | 1.7223% | 1,500 |
| Net interest margin | 2.2883% | 7,377 |
| Noninterest income to average assets | 0.4357% | 4,630 |
| Noninterest expense to average assets | 3.1088% | 3,419 |
| Loan and lease loss provision to assets | 0.4300% | 3,539 |
| Net operating income to assets | -0.9771% | 6,667 |
| Return on assets (ROA) | -0.9771% | 6,710 |
| Pretax return on assets | -0.9771% | 6,626 |
| Return on Equity (ROE) | -6.0901% | 6,503 |
| Retained earnings to average equity (ytd only) | -6.0901% | 6,392 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.3539% | 397 |
| Assets per employee ($millions) | 6.6047% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0161% | 6,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 47.6207% | 6,426 |
| Net loans and leases to deposits | 54.0853% | 6,602 |
| Net loans and leases to core deposits | 60.4990% | 6,355 |
| Total domestic deposits to total assets | 88.0475% | 2,220 |
| Equity capital to assets | 11.7622% | 2,066 |
| Core capital (leverage) ratio | 13.1110% | 1,093 |
| Tier 1 risk-based capital ratio | 18.6078% | 1,814 |
| Total risk-based capital ratio | 19.3678% | 1,929 |
| Memoranda: |
| Average total assets | $70,927,400 | 5,858 |
| Average earning assets | $65,900,200 | 5,803 |
| Average equity | $11,379,200 | 4,771 |
| Average total loans | $30,175,800 | 6,390 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1860% | 7,112 |
| Cost of funding earning assets | 1.7458% | 1,646 |
| Net interest margin | 2.4402% | 7,408 |
| Noninterest income to average assets | 0.4252% | 4,761 |
| Noninterest expense to average assets | 3.5294% | 1,967 |
| Loan and lease loss provision to assets | 0.4577% | 3,186 |
| Net operating income to assets | -1.3101% | 7,038 |
| Return on assets (ROA) | -1.3101% | 7,061 |
| Pretax return on assets | -1.3101% | 6,981 |
| Return on Equity (ROE) | -7.4633% | 6,808 |
| Retained earnings to average equity (ytd only) | -7.4633% | 6,738 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.8389% | 287 |
| Assets per employee ($millions) | 6.1172% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9691% | 6,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 47.8032% | 6,538 |
| Net loans and leases to deposits | 55.9241% | 6,623 |
| Net loans and leases to core deposits | 63.1269% | 6,363 |
| Total domestic deposits to total assets | 85.4786% | 3,362 |
| Equity capital to assets | 14.3441% | 1,069 |
| Core capital (leverage) ratio | 15.1745% | 683 |
| Tier 1 risk-based capital ratio | 24.5094% | 891 |
| Total risk-based capital ratio | 25.3297% | 911 |
| Memoranda: |
| Average total assets | $65,542,750 | 6,081 |
| Average earning assets | $60,485,500 | 6,048 |
| Average equity | $11,505,000 | 4,806 |
| Average total loans | $26,598,500 | 6,672 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3899% | 6,918 |
| Cost of funding earning assets | 1.7273% | 1,986 |
| Net interest margin | 2.6626% | 7,291 |
| Noninterest income to average assets | 0.0821% | 7,180 |
| Noninterest expense to average assets | 3.7482% | 1,452 |
| Loan and lease loss provision to assets | 0.4533% | 3,056 |
| Net operating income to assets | -1.6786% | 7,210 |
| Return on assets (ROA) | -1.6786% | 7,222 |
| Pretax return on assets | -1.6786% | 7,138 |
| Return on Equity (ROE) | -8.8579% | 6,925 |
| Retained earnings to average equity (ytd only) | -8.8579% | 6,859 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.5677% | 216 |
| Assets per employee ($millions) | 5.6046% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9752% | 6,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.7200% | 7,181 |
| Net loans and leases to deposits | 47.1527% | 7,200 |
| Net loans and leases to core deposits | 53.2955% | 7,068 |
| Total domestic deposits to total assets | 84.2369% | 3,996 |
| Equity capital to assets | 15.6368% | 735 |
| Core capital (leverage) ratio | 16.4159% | 513 |
| Tier 1 risk-based capital ratio | 29.8469% | 515 |
| Total risk-based capital ratio | 30.6031% | 530 |
| Memoranda: |
| Average total assets | $60,882,330 | 6,269 |
| Average earning assets | $55,809,330 | 6,249 |
| Average equity | $11,537,670 | 4,794 |
| Average total loans | $22,669,000 | 6,926 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4367% | 6,925 |
| Cost of funding earning assets | 1.6207% | 2,833 |
| Net interest margin | 2.8161% | 7,157 |
| Noninterest income to average assets | 0.0729% | 7,344 |
| Noninterest expense to average assets | 4.0005% | 1,031 |
| Loan and lease loss provision to assets | 0.6412% | 1,976 |
| Net operating income to assets | -2.0112% | 7,468 |
| Return on assets (ROA) | -2.0112% | 7,472 |
| Pretax return on assets | -2.0112% | 7,419 |
| Return on Equity (ROE) | -9.5090% | 7,117 |
| Retained earnings to average equity (ytd only) | -9.5090% | 6,929 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.0776% | 201 |
| Assets per employee ($millions) | 5.0303% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9858% | 6,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 36.0951% | 7,420 |
| Net loans and leases to deposits | 43.9128% | 7,408 |
| Net loans and leases to core deposits | 50.9377% | 7,245 |
| Total domestic deposits to total assets | 82.1971% | 4,980 |
| Equity capital to assets | 17.5827% | 461 |
| Core capital (leverage) ratio | 21.8964% | 187 |
| Tier 1 risk-based capital ratio | 36.1621% | 326 |
| Total risk-based capital ratio | 36.9021% | 332 |
| Memoranda: |
| Average total assets | $54,893,500 | 6,575 |
| Average earning assets | $49,856,500 | 6,553 |
| Average equity | $11,610,000 | 4,813 |
| Average total loans | $19,391,000 | 7,189 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9349% | 7,928 |
| Cost of funding earning assets | 0.6169% | 7,767 |
| Net interest margin | 1.3180% | 7,894 |
| Noninterest income to average assets | 0.0352% | 7,571 |
| Noninterest expense to average assets | 4.6167% | 706 |
| Loan and lease loss provision to assets | 0.5173% | 3,787 |
| Net operating income to assets | -3.9411% | 7,594 |
| Return on assets (ROA) | -3.9411% | 7,596 |
| Pretax return on assets | -3.9411% | 7,512 |
| Return on Equity (ROE) | -9.2093% | 6,557 |
| Retained earnings to average equity (ytd only) | -9.2093% | 6,453 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 387.0206% | 45 |
| Assets per employee ($millions) | 3.6994% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9837% | 6,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 33.3296% | 7,618 |
| Net loans and leases to deposits | 45.4451% | 7,467 |
| Net loans and leases to core deposits | 64.0908% | 7,083 |
| Total domestic deposits to total assets | 73.3404% | 7,112 |
| Equity capital to assets | 26.4051% | 135 |
| Core capital (leverage) ratio | 32.3842% | 86 |
| Tier 1 risk-based capital ratio | 55.3881% | 129 |
| Total risk-based capital ratio | 56.0804% | 126 |
| Memoranda: |
| Average total assets | $28,418,670 | 7,528 |
| Average earning assets | $24,962,000 | 7,547 |
| Average equity | $12,161,670 | 4,710 |
| Average total loans | $7,317,670 | 7,814 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.3321% | 8,052 |
| Cost of funding earning assets | 0.3098% | 8,001 |
| Net interest margin | 1.0223% | 8,020 |
| Noninterest income to average assets | 0.0131% | 7,794 |
| Noninterest expense to average assets | 3.4651% | 2,373 |
| Loan and lease loss provision to assets | 0.4437% | 3,690 |
| Net operating income to assets | -3.0344% | 7,594 |
| Return on assets (ROA) | -3.0344% | 7,605 |
| Pretax return on assets | -3.0344% | 7,515 |
| Return on Equity (ROE) | -5.0073% | 6,453 |
| Retained earnings to average equity (ytd only) | -5.0073% | 6,259 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 396.2687% | 41 |
| Assets per employee ($millions) | 2.2538% | 7,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0139% | 6,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 24.5480% | 7,893 |
| Net loans and leases to deposits | 45.0988% | 7,595 |
| Net loans and leases to core deposits | 73.1651% | 6,772 |
| Total domestic deposits to total assets | 54.4315% | 7,944 |
| Equity capital to assets | 45.3466% | 61 |
| Core capital (leverage) ratio | 59.1424% | 43 |
| Tier 1 risk-based capital ratio | 102.9123% | 62 |
| Total risk-based capital ratio | 103.4830% | 62 |
| Memoranda: |
| Average total assets | $20,431,500 | 7,836 |
| Average earning assets | $17,216,000 | 7,867 |
| Average equity | $12,381,500 | 4,684 |
| Average total loans | $3,505,000 | 8,012 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2863% | 8,178 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.2863% | 8,154 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.5500% | 8,165 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3184% | 6,344 |
| Return on assets (ROA) | -0.3184% | 6,363 |
| Pretax return on assets | -0.3184% | 6,252 |
| Return on Equity (ROE) | -0.3520% | 5,975 |
| Retained earnings to average equity (ytd only) | -0.3520% | 5,310 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.5000% | 131 |
| Assets per employee ($millions) | 1.1515% | 8,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 2.1928% | 8,133 |
| Net loans and leases to deposits | 22.9894% | 8,059 |
| Net loans and leases to core deposits | 25.1244% | 8,060 |
| Total domestic deposits to total assets | 9.5383% | 8,162 |
| Equity capital to assets | 90.4545% | 14 |
| Core capital (leverage) ratio | 96.8164% | 4 |
| Tier 1 risk-based capital ratio | 257.6051% | 24 |
| Total risk-based capital ratio | 257.6051% | 24 |
| Memoranda: |
| Average total assets | $13,818,000 | 8,092 |
| Average earning assets | $11,178,000 | 8,095 |
| Average equity | $12,499,000 | 4,680 |
| Average total loans | $303,000 | 8,135 |
