Home > Rollstone Bank & Trust > Performance and Condition Ratios
Rollstone Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 4,059 |
| Cost of funding earning assets | 2.7862% | 500 |
| Net interest margin | 1.5247% | 4,376 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 2.0879% | 3,376 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | -0.2332% | 4,262 |
| Return on assets (ROA) | -0.2271% | 4,288 |
| Pretax return on assets | -0.3169% | 4,295 |
| Return on Equity (ROE) | -2.9800% | 4,294 |
| Retained earnings to average equity (ytd only) | -2.9782% | 3,984 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 116.7233% | 136 |
| Assets per employee ($millions) | 9.5903% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 3,513 |
| Loan loss allowance to noncurrent loans | 925.1497% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,180 |
| Noncurrent loans to loans | 0.1007% | 3,159 |
| Net loans and leases to total assets | 70.6300% | 1,763 |
| Net loans and leases to deposits | 91.1632% | 994 |
| Net loans and leases to core deposits | 128.4585% | 355 |
| Total domestic deposits to total assets | 77.4700% | 3,871 |
| Equity capital to assets | 7.5951% | 3,805 |
| Core capital (leverage) ratio | 9.6095% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8237% | 1,925 |
| Memoranda: | ||
| Average total assets | $921,304,000 | 1,107 |
| Average earning assets | $854,204,000 | 1,108 |
| Average equity | $70,243,000 | 1,357 |
| Average total loans | $659,748,500 | 1,079 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 4,114 |
| Cost of funding earning assets | 2.8173% | 675 |
| Net interest margin | 1.4360% | 4,385 |
| Noninterest income to average assets | 0.8000% | 917 |
| Noninterest expense to average assets | 2.0082% | 3,593 |
| Loan and lease loss provision to assets | -0.0500% | 4,268 |
| Net operating income to assets | 0.1886% | 3,987 |
| Return on assets (ROA) | 0.1561% | 4,060 |
| Pretax return on assets | 0.1362% | 4,093 |
| Return on Equity (ROE) | 2.0000% | 3,984 |
| Retained earnings to average equity (ytd only) | 1.9960% | 3,371 |
| Net charge-offs to loans | 0.0005% | 3,068 |
| Credit loss provision to net charge-offs | -14,700.0000% | 4,510 |
| Earnings coverage of net charge-offs (x) | 366.6667% | 327 |
| Efficiency ratio | 94.3421% | 377 |
| Assets per employee ($millions) | 9.0332% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 3,529 |
| Loan loss allowance to noncurrent loans | 893.5766% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,144 |
| Noncurrent loans to loans | 0.1044% | 3,111 |
| Net loans and leases to total assets | 71.2700% | 1,752 |
| Net loans and leases to deposits | 93.8932% | 871 |
| Net loans and leases to core deposits | 130.2777% | 365 |
| Total domestic deposits to total assets | 75.9000% | 3,958 |
| Equity capital to assets | 7.6541% | 3,691 |
| Core capital (leverage) ratio | 9.7582% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0041% | 1,869 |
| Memoranda: | ||
| Average total assets | $913,362,600 | 1,094 |
| Average earning assets | $845,874,000 | 1,091 |
| Average equity | $71,442,200 | 1,303 |
| Average total loans | $654,871,400 | 1,062 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 4,135 |
| Cost of funding earning assets | 2.8263% | 674 |
| Net interest margin | 1.4057% | 4,419 |
| Noninterest income to average assets | 0.9300% | 691 |
| Noninterest expense to average assets | 2.0244% | 3,507 |
| Loan and lease loss provision to assets | -0.0500% | 4,301 |
| Net operating income to assets | 0.2605% | 3,919 |
| Return on assets (ROA) | 0.2396% | 3,970 |
| Pretax return on assets | 0.2396% | 4,021 |
| Return on Equity (ROE) | 3.0500% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.0472% | 3,161 |
| Net charge-offs to loans | 0.0004% | 2,829 |
| Credit loss provision to net charge-offs | -18,450.0000% | 4,538 |
| Earnings coverage of net charge-offs (x) | 708.0000% | 182 |
| Efficiency ratio | 90.7378% | 507 |
| Assets per employee ($millions) | 9.0780% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 3,536 |
| Loan loss allowance to noncurrent loans | 1,352.4017% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,381 |
| Noncurrent loans to loans | 0.0693% | 3,346 |
| Net loans and leases to total assets | 71.3800% | 1,688 |
| Net loans and leases to deposits | 94.2267% | 841 |
| Net loans and leases to core deposits | 132.9416% | 346 |
| Total domestic deposits to total assets | 75.7500% | 3,939 |
| Equity capital to assets | 7.9648% | 3,729 |
| Core capital (leverage) ratio | 10.0807% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9361% | 1,923 |
| Memoranda: | ||
| Average total assets | $913,615,750 | 1,089 |
| Average earning assets | $846,224,500 | 1,088 |
| Average equity | $71,844,750 | 1,290 |
| Average total loans | $654,511,500 | 1,063 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 4,097 |
| Cost of funding earning assets | 2.8285% | 618 |
| Net interest margin | 1.4093% | 4,437 |
| Noninterest income to average assets | 1.1900% | 457 |
| Noninterest expense to average assets | 2.0407% | 3,467 |
| Loan and lease loss provision to assets | -0.0400% | 4,291 |
| Net operating income to assets | 0.4464% | 3,569 |
| Return on assets (ROA) | 0.4063% | 3,685 |
| Pretax return on assets | 0.4519% | 3,724 |
| Return on Equity (ROE) | 5.1900% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.1896% | 2,282 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 81.8693% | 997 |
| Assets per employee ($millions) | 8.5664% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 3,414 |
| Loan loss allowance to noncurrent loans | 1,792.1127% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,412 |
| Noncurrent loans to loans | 0.0543% | 3,391 |
| Net loans and leases to total assets | 72.0200% | 1,648 |
| Net loans and leases to deposits | 93.9386% | 948 |
| Net loans and leases to core deposits | 130.4237% | 396 |
| Total domestic deposits to total assets | 76.6600% | 3,838 |
| Equity capital to assets | 7.9114% | 3,491 |
| Core capital (leverage) ratio | 10.0524% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0667% | 1,863 |
| Memoranda: | ||
| Average total assets | $912,529,333 | 1,090 |
| Average earning assets | $844,136,667 | 1,093 |
| Average equity | $71,450,667 | 1,292 |
| Average total loans | $652,464,667 | 1,067 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1714% | 4,101 |
| Cost of funding earning assets | 2.7707% | 635 |
| Net interest margin | 1.4007% | 4,468 |
| Noninterest income to average assets | 2.0000% | 241 |
| Noninterest expense to average assets | 2.0608% | 3,424 |
| Loan and lease loss provision to assets | -0.1300% | 4,471 |
| Net operating income to assets | 1.1121% | 1,632 |
| Return on assets (ROA) | 1.0737% | 1,739 |
| Pretax return on assets | 1.3205% | 1,592 |
| Return on Equity (ROE) | 13.7800% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.7830% | 525 |
| Net charge-offs to loans | 0.0006% | 2,221 |
| Credit loss provision to net charge-offs | -30,200.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | 2,841.0000% | 13 |
| Efficiency ratio | 62.5000% | 2,979 |
| Assets per employee ($millions) | 9.0287% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,470 |
| Loan loss allowance to noncurrent loans | 1,661.0080% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,421 |
| Noncurrent loans to loans | 0.0580% | 3,346 |
| Net loans and leases to total assets | 69.9200% | 1,815 |
| Net loans and leases to deposits | 95.9782% | 720 |
| Net loans and leases to core deposits | 130.0572% | 417 |
| Total domestic deposits to total assets | 72.8500% | 4,192 |
| Equity capital to assets | 7.7821% | 3,508 |
| Core capital (leverage) ratio | 10.0150% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0709% | 1,848 |
| Memoranda: | ||
| Average total assets | $919,057,000 | 1,089 |
| Average earning assets | $850,176,000 | 1,089 |
| Average equity | $71,595,500 | 1,283 |
| Average total loans | $651,635,500 | 1,072 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 4,030 |
| Cost of funding earning assets | 2.3011% | 540 |
| Net interest margin | 1.6533% | 4,485 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.9888% | 3,662 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | -0.1158% | 4,434 |
| Return on assets (ROA) | -0.1644% | 4,433 |
| Pretax return on assets | -0.2400% | 4,439 |
| Return on Equity (ROE) | -2.0900% | 4,420 |
| Retained earnings to average equity (ytd only) | -2.1773% | 4,282 |
| Net charge-offs to loans | -0.0008% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 107.1072% | 126 |
| Assets per employee ($millions) | 8.7351% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,279 |
| Loan loss allowance to noncurrent loans | 1,653.6524% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,316 |
| Noncurrent loans to loans | 0.0608% | 3,282 |
| Net loans and leases to total assets | 70.4900% | 1,752 |
| Net loans and leases to deposits | 101.0580% | 475 |
| Net loans and leases to core deposits | 125.3156% | 502 |
| Total domestic deposits to total assets | 69.7500% | 4,297 |
| Equity capital to assets | 7.7981% | 3,545 |
| Core capital (leverage) ratio | 9.7840% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7556% | 1,955 |
| Memoranda: | ||
| Average total assets | $905,519,400 | 1,075 |
| Average earning assets | $830,769,200 | 1,083 |
| Average equity | $71,235,000 | 1,233 |
| Average total loans | $639,177,200 | 1,041 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 4,014 |
| Cost of funding earning assets | 2.1854% | 510 |
| Net interest margin | 1.7032% | 4,501 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.9869% | 3,624 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | -0.0873% | 4,469 |
| Return on assets (ROA) | -0.0864% | 4,454 |
| Pretax return on assets | -0.1468% | 4,462 |
| Return on Equity (ROE) | -1.1000% | 4,430 |
| Retained earnings to average equity (ytd only) | -1.2122% | 4,270 |
| Net charge-offs to loans | -0.0008% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 104.6689% | 130 |
| Assets per employee ($millions) | 8.8383% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 3,277 |
| Loan loss allowance to noncurrent loans | 1,565.7895% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,348 |
| Noncurrent loans to loans | 0.0649% | 3,290 |
| Net loans and leases to total assets | 70.0000% | 1,826 |
| Net loans and leases to deposits | 95.3945% | 789 |
| Net loans and leases to core deposits | 122.5243% | 496 |
| Total domestic deposits to total assets | 73.3800% | 4,200 |
| Equity capital to assets | 7.4578% | 3,379 |
| Core capital (leverage) ratio | 9.9787% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8067% | 1,970 |
| Memoranda: | ||
| Average total assets | $902,603,000 | 1,086 |
| Average earning assets | $826,602,750 | 1,090 |
| Average equity | $71,163,000 | 1,227 |
| Average total loans | $635,707,250 | 1,040 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,991 |
| Cost of funding earning assets | 2.0597% | 437 |
| Net interest margin | 1.7635% | 4,547 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.9953% | 3,612 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | -0.0479% | 4,495 |
| Return on assets (ROA) | -0.0218% | 4,474 |
| Pretax return on assets | -0.0693% | 4,480 |
| Return on Equity (ROE) | -0.2700% | 4,450 |
| Retained earnings to average equity (ytd only) | -0.4429% | 4,156 |
| Net charge-offs to loans | -0.0006% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.3948% | 148 |
| Assets per employee ($millions) | 8.8861% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,403 |
| Loan loss allowance to noncurrent loans | 1,250.8806% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,210 |
| Noncurrent loans to loans | 0.0801% | 3,116 |
| Net loans and leases to total assets | 69.6500% | 1,782 |
| Net loans and leases to deposits | 94.3208% | 829 |
| Net loans and leases to core deposits | 118.9306% | 537 |
| Total domestic deposits to total assets | 73.8400% | 4,205 |
| Equity capital to assets | 7.9634% | 3,242 |
| Core capital (leverage) ratio | 10.1042% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9868% | 1,905 |
| Memoranda: | ||
| Average total assets | $900,023,000 | 1,083 |
| Average earning assets | $824,961,667 | 1,085 |
| Average equity | $72,253,333 | 1,212 |
| Average total loans | $633,008,000 | 1,029 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 3,910 |
| Cost of funding earning assets | 1.9087% | 356 |
| Net interest margin | 1.8599% | 4,597 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.0811% | 3,426 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | -0.0423% | 4,510 |
| Return on assets (ROA) | 0.0018% | 4,465 |
| Pretax return on assets | -0.0513% | 4,485 |
| Return on Equity (ROE) | 0.0200% | 4,452 |
| Retained earnings to average equity (ytd only) | -0.3209% | 4,067 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 102.6849% | 145 |
| Assets per employee ($millions) | 8.7008% | 1,050 |
| Cash dividends to net income (ytd only)* | 1,550.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,559 |
| Loan loss allowance to noncurrent loans | 1,152.3020% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,180 |
| Noncurrent loans to loans | 0.0858% | 3,124 |
| Net loans and leases to total assets | 69.2500% | 1,696 |
| Net loans and leases to deposits | 91.8846% | 924 |
| Net loans and leases to core deposits | 115.1953% | 555 |
| Total domestic deposits to total assets | 75.3700% | 4,200 |
| Equity capital to assets | 7.9727% | 3,261 |
| Core capital (leverage) ratio | 10.2466% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3459% | 1,854 |
| Memoranda: | ||
| Average total assets | $896,843,000 | 1,099 |
| Average earning assets | $820,886,500 | 1,099 |
| Average equity | $72,290,500 | 1,222 |
| Average total loans | $630,685,000 | 1,041 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 3,137 |
| Cost of funding earning assets | 0.9256% | 226 |
| Net interest margin | 2.5528% | 4,229 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.2848% | 2,790 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.5245% | 4,044 |
| Return on assets (ROA) | 0.1654% | 4,453 |
| Pretax return on assets | 0.1256% | 4,492 |
| Return on Equity (ROE) | 1.8400% | 4,403 |
| Retained earnings to average equity (ytd only) | 1.6708% | 4,053 |
| Net charge-offs to loans | -0.0169% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.6667% | 462 |
| Assets per employee ($millions) | 8.6291% | 1,045 |
| Cash dividends to net income (ytd only)* | 9.1102% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,484 |
| Loan loss allowance to noncurrent loans | 1,278.9583% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 3,260 |
| Noncurrent loans to loans | 0.0764% | 3,212 |
| Net loans and leases to total assets | 70.0200% | 1,640 |
| Net loans and leases to deposits | 88.2497% | 1,155 |
| Net loans and leases to core deposits | 102.7249% | 864 |
| Total domestic deposits to total assets | 79.3400% | 3,959 |
| Equity capital to assets | 8.1500% | 2,967 |
| Core capital (leverage) ratio | 10.3594% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6399% | 2,111 |
| Memoranda: | ||
| Average total assets | $856,021,400 | 1,126 |
| Average earning assets | $785,677,200 | 1,126 |
| Average equity | $77,029,600 | 1,162 |
| Average total loans | $590,405,600 | 1,046 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 2,917 |
| Cost of funding earning assets | 0.7225% | 235 |
| Net interest margin | 2.6795% | 3,968 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.2435% | 2,807 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.6058% | 3,824 |
| Return on assets (ROA) | 0.0278% | 4,549 |
| Pretax return on assets | -0.0835% | 4,592 |
| Return on Equity (ROE) | 0.3000% | 4,540 |
| Retained earnings to average equity (ytd only) | 0.1126% | 4,319 |
| Net charge-offs to loans | -0.0119% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.3261% | 813 |
| Assets per employee ($millions) | 8.6368% | 1,013 |
| Cash dividends to net income (ytd only)* | 62.7119% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 3,409 |
| Loan loss allowance to noncurrent loans | 1,165.7407% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,274 |
| Noncurrent loans to loans | 0.0869% | 3,257 |
| Net loans and leases to total assets | 69.8000% | 1,493 |
| Net loans and leases to deposits | 85.7761% | 1,184 |
| Net loans and leases to core deposits | 99.7487% | 823 |
| Total domestic deposits to total assets | 81.3800% | 3,922 |
| Equity capital to assets | 8.0016% | 2,898 |
| Core capital (leverage) ratio | 10.4216% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5104% | 2,258 |
| Memoranda: | ||
| Average total assets | $847,827,000 | 1,144 |
| Average earning assets | $778,621,250 | 1,147 |
| Average equity | $78,177,750 | 1,166 |
| Average total loans | $580,890,000 | 1,052 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 2,523 |
| Cost of funding earning assets | 0.6296% | 229 |
| Net interest margin | 2.7381% | 3,615 |
| Noninterest income to average assets | 0.3791% | 2,880 |
| Noninterest expense to average assets | 2.2895% | 2,580 |
| Loan and lease loss provision to assets | -0.1623% | 4,658 |
| Net operating income to assets | 0.7266% | 3,219 |
| Return on assets (ROA) | -0.0459% | 4,564 |
| Pretax return on assets | -0.2125% | 4,600 |
| Return on Equity (ROE) | -0.4756% | 4,569 |
| Retained earnings to average equity (ytd only) | -0.7506% | 4,274 |
| Net charge-offs to loans | -0.0007% | 3,009 |
| Credit loss provision to net charge-offs | 33,950.0000% | 14 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1522% | 1,012 |
| Assets per employee ($millions) | 8.0325% | 1,291 |
| Cash dividends to net income (ytd only)* | -57.8125% | 4,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,570 |
| Loan loss allowance to noncurrent loans | 1,289.1037% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,302 |
| Noncurrent loans to loans | 0.0949% | 3,294 |
| Net loans and leases to total assets | 70.1985% | 1,284 |
| Net loans and leases to deposits | 81.8837% | 1,252 |
| Net loans and leases to core deposits | 93.2152% | 958 |
| Total domestic deposits to total assets | 85.7296% | 3,317 |
| Equity capital to assets | 8.8512% | 2,494 |
| Core capital (leverage) ratio | 10.6785% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6834% | 2,215 |
| Memoranda: | ||
| Average total assets | $836,783,667 | 1,150 |
| Average earning assets | $768,120,333 | 1,167 |
| Average equity | $80,740,000 | 1,151 |
| Average total loans | $567,440,333 | 1,064 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 2,150 |
| Cost of funding earning assets | 0.6175% | 234 |
| Net interest margin | 2.7615% | 3,247 |
| Noninterest income to average assets | 0.3854% | 2,782 |
| Noninterest expense to average assets | 2.2768% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6455% | 3,246 |
| Return on assets (ROA) | 0.1099% | 4,421 |
| Pretax return on assets | 0.0926% | 4,451 |
| Return on Equity (ROE) | 1.0933% | 4,413 |
| Retained earnings to average equity (ytd only) | 0.6206% | 3,896 |
| Net charge-offs to loans | -0.0015% | 3,060 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3744% | 1,284 |
| Assets per employee ($millions) | 8.0032% | 1,360 |
| Cash dividends to net income (ytd only)* | 43.2314% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,680 |
| Loan loss allowance to noncurrent loans | 1,318.0921% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,334 |
| Noncurrent loans to loans | 0.1108% | 3,279 |
| Net loans and leases to total assets | 65.6073% | 1,453 |
| Net loans and leases to deposits | 76.3312% | 1,415 |
| Net loans and leases to core deposits | 82.7767% | 1,311 |
| Total domestic deposits to total assets | 85.9508% | 3,273 |
| Equity capital to assets | 9.8033% | 2,047 |
| Core capital (leverage) ratio | 10.8514% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6848% | 1,924 |
| Memoranda: | ||
| Average total assets | $833,468,000 | 1,154 |
| Average earning assets | $760,458,000 | 1,179 |
| Average equity | $83,784,000 | 1,149 |
| Average total loans | $551,460,500 | 1,077 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 2,958 |
| Cost of funding earning assets | 0.6945% | 334 |
| Net interest margin | 2.6940% | 3,884 |
| Noninterest income to average assets | 0.4006% | 3,041 |
| Noninterest expense to average assets | 2.2398% | 2,968 |
| Loan and lease loss provision to assets | 0.0723% | 1,651 |
| Net operating income to assets | 0.4243% | 4,234 |
| Return on assets (ROA) | 0.8829% | 3,163 |
| Pretax return on assets | 1.1441% | 2,836 |
| Return on Equity (ROE) | 8.7374% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.2698% | 1,434 |
| Net charge-offs to loans | -0.0530% | 4,351 |
| Credit loss provision to net charge-offs | -209.7902% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8868% | 957 |
| Assets per employee ($millions) | 8.0249% | 1,316 |
| Cash dividends to net income (ytd only)* | 5.3515% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,744 |
| Loan loss allowance to noncurrent loans | 1,281.9200% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,433 |
| Noncurrent loans to loans | 0.1128% | 3,360 |
| Net loans and leases to total assets | 64.8078% | 1,609 |
| Net loans and leases to deposits | 76.0075% | 1,567 |
| Net loans and leases to core deposits | 85.5504% | 1,231 |
| Total domestic deposits to total assets | 85.2650% | 3,183 |
| Equity capital to assets | 10.2962% | 2,377 |
| Core capital (leverage) ratio | 10.3367% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7791% | 1,935 |
| Memoranda: | ||
| Average total assets | $829,672,200 | 1,120 |
| Average earning assets | $762,241,200 | 1,138 |
| Average equity | $83,835,000 | 1,159 |
| Average total loans | $539,631,600 | 1,102 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4051% | 3,090 |
| Cost of funding earning assets | 0.7066% | 372 |
| Net interest margin | 2.6985% | 3,976 |
| Noninterest income to average assets | 0.3912% | 3,143 |
| Noninterest expense to average assets | 2.1181% | 3,308 |
| Loan and lease loss provision to assets | 0.0968% | 1,236 |
| Net operating income to assets | 0.5045% | 4,194 |
| Return on assets (ROA) | 0.8609% | 3,416 |
| Pretax return on assets | 1.1090% | 3,178 |
| Return on Equity (ROE) | 8.5609% | 3,239 |
| Retained earnings to average equity (ytd only) | 8.0266% | 2,048 |
| Net charge-offs to loans | -0.0174% | 3,915 |
| Credit loss provision to net charge-offs | -857.1429% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7294% | 1,236 |
| Assets per employee ($millions) | 8.3671% | 1,105 |
| Cash dividends to net income (ytd only)* | 6.2406% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 2,042 |
| Loan loss allowance to noncurrent loans | 1,156.6766% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,580 |
| Noncurrent loans to loans | 0.1207% | 3,491 |
| Net loans and leases to total assets | 63.9169% | 1,787 |
| Net loans and leases to deposits | 74.6054% | 1,800 |
| Net loans and leases to core deposits | 88.3709% | 1,132 |
| Total domestic deposits to total assets | 85.6733% | 2,883 |
| Equity capital to assets | 9.8482% | 3,056 |
| Core capital (leverage) ratio | 10.1719% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6398% | 2,111 |
| Memoranda: | ||
| Average total assets | $826,437,750 | 1,133 |
| Average earning assets | $760,008,250 | 1,147 |
| Average equity | $83,104,500 | 1,188 |
| Average total loans | $536,017,250 | 1,129 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4221% | 3,109 |
| Cost of funding earning assets | 0.7249% | 405 |
| Net interest margin | 2.6972% | 3,983 |
| Noninterest income to average assets | 0.3859% | 3,182 |
| Noninterest expense to average assets | 2.1484% | 3,247 |
| Loan and lease loss provision to assets | 0.1473% | 815 |
| Net operating income to assets | 0.4512% | 4,302 |
| Return on assets (ROA) | 1.0181% | 2,909 |
| Pretax return on assets | 1.3144% | 2,586 |
| Return on Equity (ROE) | 10.0515% | 2,721 |
| Retained earnings to average equity (ytd only) | 9.4359% | 1,572 |
| Net charge-offs to loans | -0.0265% | 4,106 |
| Credit loss provision to net charge-offs | -857.1429% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2743% | 1,226 |
| Assets per employee ($millions) | 8.0476% | 1,188 |
| Cash dividends to net income (ytd only)* | 6.1249% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,868 |
| Loan loss allowance to noncurrent loans | 963.6588% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 3,573 |
| Noncurrent loans to loans | 0.1479% | 3,464 |
| Net loans and leases to total assets | 63.8262% | 1,968 |
| Net loans and leases to deposits | 74.7420% | 1,930 |
| Net loans and leases to core deposits | 95.9067% | 813 |
| Total domestic deposits to total assets | 85.3954% | 2,945 |
| Equity capital to assets | 9.9710% | 2,877 |
| Core capital (leverage) ratio | 10.3561% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8709% | 2,017 |
| Memoranda: | ||
| Average total assets | $814,646,667 | 1,134 |
| Average earning assets | $757,089,333 | 1,141 |
| Average equity | $82,515,000 | 1,192 |
| Average total loans | $528,476,667 | 1,143 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2912% | 3,468 |
| Cost of funding earning assets | 0.7602% | 428 |
| Net interest margin | 2.5310% | 4,259 |
| Noninterest income to average assets | 0.3517% | 3,332 |
| Noninterest expense to average assets | 2.1299% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4463% | 4,282 |
| Return on assets (ROA) | 1.2879% | 1,936 |
| Pretax return on assets | 1.6641% | 1,570 |
| Return on Equity (ROE) | 12.6107% | 1,785 |
| Retained earnings to average equity (ytd only) | 11.9983% | 1,147 |
| Net charge-offs to loans | -0.0247% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0528% | 950 |
| Assets per employee ($millions) | 8.0662% | 1,173 |
| Cash dividends to net income (ytd only)* | 4.8563% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 2,259 |
| Loan loss allowance to noncurrent loans | 705.9172% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,547 |
| Noncurrent loans to loans | 0.1896% | 3,425 |
| Net loans and leases to total assets | 65.4237% | 1,881 |
| Net loans and leases to deposits | 81.7514% | 1,355 |
| Net loans and leases to core deposits | 109.5669% | 423 |
| Total domestic deposits to total assets | 80.0276% | 4,200 |
| Equity capital to assets | 10.1725% | 2,537 |
| Core capital (leverage) ratio | 10.6218% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8046% | 1,962 |
| Memoranda: | ||
| Average total assets | $799,469,000 | 1,144 |
| Average earning assets | $750,848,500 | 1,138 |
| Average equity | $81,645,000 | 1,188 |
| Average total loans | $519,150,500 | 1,155 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 3,807 |
| Cost of funding earning assets | 1.0175% | 557 |
| Net interest margin | 2.5855% | 4,516 |
| Noninterest income to average assets | 0.4849% | 2,697 |
| Noninterest expense to average assets | 2.2265% | 3,607 |
| Loan and lease loss provision to assets | 0.1607% | 2,363 |
| Net operating income to assets | 0.3828% | 4,281 |
| Return on assets (ROA) | 0.7024% | 3,557 |
| Pretax return on assets | 0.8822% | 3,417 |
| Return on Equity (ROE) | 6.7654% | 3,295 |
| Retained earnings to average equity (ytd only) | 6.4983% | 1,592 |
| Net charge-offs to loans | 0.1393% | 1,159 |
| Credit loss provision to net charge-offs | 174.9271% | 2,292 |
| Earnings coverage of net charge-offs (x) | 7.0044% | 2,731 |
| Efficiency ratio | 77.5792% | 1,070 |
| Assets per employee ($millions) | 8.3402% | 930 |
| Cash dividends to net income (ytd only)* | 3.9466% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,909 |
| Loan loss allowance to noncurrent loans | 752.4815% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 3,689 |
| Noncurrent loans to loans | 0.1881% | 3,539 |
| Net loans and leases to total assets | 62.6385% | 2,524 |
| Net loans and leases to deposits | 83.3773% | 1,507 |
| Net loans and leases to core deposits | 116.0847% | 366 |
| Total domestic deposits to total assets | 75.1266% | 4,568 |
| Equity capital to assets | 10.2531% | 2,882 |
| Core capital (leverage) ratio | 10.8263% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2688% | 1,752 |
| Memoranda: | ||
| Average total assets | $746,739,800 | 1,111 |
| Average earning assets | $688,841,600 | 1,119 |
| Average equity | $77,527,400 | 1,185 |
| Average total loans | $492,474,400 | 1,156 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6831% | 3,831 |
| Cost of funding earning assets | 1.0839% | 569 |
| Net interest margin | 2.5992% | 4,570 |
| Noninterest income to average assets | 0.4767% | 2,708 |
| Noninterest expense to average assets | 2.1963% | 3,690 |
| Loan and lease loss provision to assets | 0.1451% | 2,571 |
| Net operating income to assets | 0.4201% | 4,220 |
| Return on assets (ROA) | 0.4964% | 4,132 |
| Pretax return on assets | 0.6167% | 4,075 |
| Return on Equity (ROE) | 4.7658% | 3,950 |
| Retained earnings to average equity (ytd only) | 4.5308% | 2,782 |
| Net charge-offs to loans | 0.1889% | 794 |
| Credit loss provision to net charge-offs | 115.2738% | 2,517 |
| Earnings coverage of net charge-offs (x) | 5.3040% | 2,742 |
| Efficiency ratio | 76.6937% | 1,140 |
| Assets per employee ($millions) | 8.0473% | 976 |
| Cash dividends to net income (ytd only)* | 4.9306% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,878 |
| Loan loss allowance to noncurrent loans | 630.7981% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 3,722 |
| Noncurrent loans to loans | 0.2171% | 3,515 |
| Net loans and leases to total assets | 63.2828% | 2,850 |
| Net loans and leases to deposits | 87.7600% | 1,515 |
| Net loans and leases to core deposits | 119.8772% | 417 |
| Total domestic deposits to total assets | 72.1089% | 4,682 |
| Equity capital to assets | 10.1997% | 3,070 |
| Core capital (leverage) ratio | 10.8953% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8232% | 1,554 |
| Memoranda: | ||
| Average total assets | $735,345,000 | 1,110 |
| Average earning assets | $675,325,500 | 1,118 |
| Average equity | $76,600,000 | 1,191 |
| Average total loans | $489,737,250 | 1,153 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 3,810 |
| Cost of funding earning assets | 1.1511% | 607 |
| Net interest margin | 2.6690% | 4,586 |
| Noninterest income to average assets | 0.4410% | 2,853 |
| Noninterest expense to average assets | 2.2505% | 3,654 |
| Loan and lease loss provision to assets | 0.1654% | 2,344 |
| Net operating income to assets | 0.3875% | 4,256 |
| Return on assets (ROA) | 0.3539% | 4,379 |
| Pretax return on assets | 0.4239% | 4,383 |
| Return on Equity (ROE) | 3.3727% | 4,266 |
| Retained earnings to average equity (ytd only) | 3.2492% | 3,288 |
| Net charge-offs to loans | 0.2840% | 561 |
| Credit loss provision to net charge-offs | 86.3309% | 2,478 |
| Earnings coverage of net charge-offs (x) | 3.2878% | 2,689 |
| Efficiency ratio | 78.1340% | 1,046 |
| Assets per employee ($millions) | 8.0839% | 938 |
| Cash dividends to net income (ytd only)* | 3.6604% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 1,990 |
| Loan loss allowance to noncurrent loans | 656.9556% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,881 |
| Noncurrent loans to loans | 0.1984% | 3,664 |
| Net loans and leases to total assets | 64.2714% | 2,849 |
| Net loans and leases to deposits | 94.5498% | 908 |
| Net loans and leases to core deposits | 119.6816% | 428 |
| Total domestic deposits to total assets | 67.9763% | 4,841 |
| Equity capital to assets | 9.9989% | 3,211 |
| Core capital (leverage) ratio | 10.6240% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1762% | 1,453 |
| Memoranda: | ||
| Average total assets | $725,629,667 | 1,111 |
| Average earning assets | $663,181,000 | 1,120 |
| Average equity | $76,141,333 | 1,188 |
| Average total loans | $489,480,000 | 1,134 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,527 |
| Cost of funding earning assets | 1.2909% | 581 |
| Net interest margin | 2.8090% | 4,560 |
| Noninterest income to average assets | 0.4225% | 2,954 |
| Noninterest expense to average assets | 2.3269% | 3,710 |
| Loan and lease loss provision to assets | 0.2271% | 1,367 |
| Net operating income to assets | 0.4054% | 4,123 |
| Return on assets (ROA) | -0.2635% | 4,847 |
| Pretax return on assets | -0.4083% | 4,863 |
| Return on Equity (ROE) | -2.4480% | 4,851 |
| Retained earnings to average equity (ytd only) | -2.6959% | 4,324 |
| Net charge-offs to loans | 0.5948% | 247 |
| Credit loss provision to net charge-offs | 55.5556% | 2,035 |
| Earnings coverage of net charge-offs (x) | 1.6278% | 2,362 |
| Efficiency ratio | 77.7609% | 1,367 |
| Assets per employee ($millions) | 7.4398% | 919 |
| Cash dividends to net income (ytd only)* | -10.1293% | 5,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,071 |
| Loan loss allowance to noncurrent loans | 456.6038% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 3,722 |
| Noncurrent loans to loans | 0.2882% | 3,463 |
| Net loans and leases to total assets | 66.0686% | 2,810 |
| Net loans and leases to deposits | 97.2146% | 794 |
| Net loans and leases to core deposits | 123.5079% | 376 |
| Total domestic deposits to total assets | 67.9616% | 4,924 |
| Equity capital to assets | 10.4810% | 3,340 |
| Core capital (leverage) ratio | 10.8483% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3976% | 1,503 |
| Memoranda: | ||
| Average total assets | $704,459,000 | 1,111 |
| Average earning assets | $644,503,500 | 1,118 |
| Average equity | $75,817,500 | 1,189 |
| Average total loans | $484,168,500 | 1,122 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 4,151 |
| Cost of funding earning assets | 1.4468% | 471 |
| Net interest margin | 2.5982% | 4,906 |
| Noninterest income to average assets | 0.4351% | 3,081 |
| Noninterest expense to average assets | 2.5135% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2624% | 4,786 |
| Return on assets (ROA) | 0.5336% | 4,376 |
| Pretax return on assets | 0.6596% | 4,308 |
| Return on Equity (ROE) | 4.8898% | 4,237 |
| Retained earnings to average equity (ytd only) | 4.6983% | 2,588 |
| Net charge-offs to loans | 0.1063% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.2243% | 3,239 |
| Efficiency ratio | 88.5582% | 412 |
| Assets per employee ($millions) | 7.2365% | 960 |
| Cash dividends to net income (ytd only)* | 3.9167% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 1,713 |
| Loan loss allowance to noncurrent loans | 310.1313% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,201 |
| Noncurrent loans to loans | 0.4349% | 2,885 |
| Net loans and leases to total assets | 69.6069% | 2,459 |
| Net loans and leases to deposits | 100.3024% | 588 |
| Net loans and leases to core deposits | 123.7644% | 391 |
| Total domestic deposits to total assets | 69.3970% | 4,954 |
| Equity capital to assets | 11.0519% | 2,944 |
| Core capital (leverage) ratio | 10.9280% | 2,567 |
| Tier 1 risk-based capital ratio | 15.1807% | 2,710 |
| Total risk-based capital ratio | 16.4314% | 2,641 |
| Memoranda: | ||
| Average total assets | $684,218,800 | 1,093 |
| Average earning assets | $632,858,800 | 1,093 |
| Average equity | $74,665,200 | 1,157 |
| Average total loans | $494,881,800 | 1,084 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 4,225 |
| Cost of funding earning assets | 1.4585% | 471 |
| Net interest margin | 2.6097% | 4,997 |
| Noninterest income to average assets | 0.4294% | 3,149 |
| Noninterest expense to average assets | 2.5224% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2582% | 4,892 |
| Return on assets (ROA) | 0.5284% | 4,504 |
| Pretax return on assets | 0.6573% | 4,435 |
| Return on Equity (ROE) | 4.8575% | 4,364 |
| Retained earnings to average equity (ytd only) | 4.6705% | 3,072 |
| Net charge-offs to loans | 0.0779% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 5.6344% | 2,901 |
| Efficiency ratio | 88.7535% | 367 |
| Assets per employee ($millions) | 7.1954% | 955 |
| Cash dividends to net income (ytd only)* | 3.8503% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 1,702 |
| Loan loss allowance to noncurrent loans | 284.9771% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 3,117 |
| Noncurrent loans to loans | 0.4791% | 2,860 |
| Net loans and leases to total assets | 71.6256% | 2,235 |
| Net loans and leases to deposits | 105.3402% | 345 |
| Net loans and leases to core deposits | 128.7581% | 313 |
| Total domestic deposits to total assets | 67.9946% | 5,060 |
| Equity capital to assets | 10.8891% | 3,209 |
| Core capital (leverage) ratio | 11.0054% | 2,632 |
| Tier 1 risk-based capital ratio | 14.9404% | 2,876 |
| Total risk-based capital ratio | 16.1916% | 2,806 |
| Memoranda: | ||
| Average total assets | $681,598,250 | 1,098 |
| Average earning assets | $630,151,000 | 1,093 |
| Average equity | $74,137,000 | 1,160 |
| Average total loans | $496,059,250 | 1,091 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 4,263 |
| Cost of funding earning assets | 1.4436% | 456 |
| Net interest margin | 2.6125% | 5,066 |
| Noninterest income to average assets | 0.4238% | 3,106 |
| Noninterest expense to average assets | 2.5956% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1945% | 5,003 |
| Return on assets (ROA) | 0.5656% | 4,426 |
| Pretax return on assets | 0.7092% | 4,308 |
| Return on Equity (ROE) | 5.2022% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.0721% | 2,733 |
| Net charge-offs to loans | -0.0202% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3675% | 302 |
| Assets per employee ($millions) | 6.7817% | 1,102 |
| Cash dividends to net income (ytd only)* | 2.5013% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,443 |
| Loan loss allowance to noncurrent loans | 730.4878% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,044 |
| Noncurrent loans to loans | 0.1978% | 3,841 |
| Net loans and leases to total assets | 71.5827% | 2,266 |
| Net loans and leases to deposits | 104.3406% | 409 |
| Net loans and leases to core deposits | 131.4033% | 299 |
| Total domestic deposits to total assets | 68.6048% | 5,088 |
| Equity capital to assets | 10.8940% | 3,180 |
| Core capital (leverage) ratio | 10.9078% | 2,680 |
| Tier 1 risk-based capital ratio | 14.4059% | 3,113 |
| Total risk-based capital ratio | 15.8752% | 2,931 |
| Memoranda: | ||
| Average total assets | $678,544,000 | 1,097 |
| Average earning assets | $627,746,330 | 1,098 |
| Average equity | $73,776,670 | 1,158 |
| Average total loans | $494,209,000 | 1,094 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 4,146 |
| Cost of funding earning assets | 1.4417% | 395 |
| Net interest margin | 2.6505% | 5,100 |
| Noninterest income to average assets | 0.4134% | 3,087 |
| Noninterest expense to average assets | 2.3680% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4000% | 4,733 |
| Return on assets (ROA) | 0.4768% | 4,606 |
| Pretax return on assets | 0.5870% | 4,539 |
| Return on Equity (ROE) | 4.3896% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.3459% | 3,185 |
| Net charge-offs to loans | -0.0300% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7915% | 809 |
| Assets per employee ($millions) | 7.0381% | 989 |
| Cash dividends to net income (ytd only)* | 0.9938% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,493 |
| Loan loss allowance to noncurrent loans | 697.2789% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,056 |
| Noncurrent loans to loans | 0.2087% | 3,840 |
| Net loans and leases to total assets | 70.4513% | 2,412 |
| Net loans and leases to deposits | 101.9953% | 498 |
| Net loans and leases to core deposits | 125.0002% | 406 |
| Total domestic deposits to total assets | 69.0730% | 5,138 |
| Equity capital to assets | 10.8150% | 3,032 |
| Core capital (leverage) ratio | 10.5962% | 2,946 |
| Tier 1 risk-based capital ratio | 13.9243% | 3,378 |
| Total risk-based capital ratio | 15.4101% | 3,188 |
| Memoranda: | ||
| Average total assets | $675,342,000 | 1,104 |
| Average earning assets | $623,427,000 | 1,113 |
| Average equity | $73,356,000 | 1,163 |
| Average total loans | $492,567,500 | 1,094 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 4,133 |
| Cost of funding earning assets | 1.0443% | 624 |
| Net interest margin | 2.9183% | 4,895 |
| Noninterest income to average assets | 0.4947% | 2,859 |
| Noninterest expense to average assets | 2.5699% | 3,414 |
| Loan and lease loss provision to assets | 0.0313% | 3,559 |
| Net operating income to assets | 0.4571% | 4,753 |
| Return on assets (ROA) | 0.7894% | 3,845 |
| Pretax return on assets | 1.0029% | 3,590 |
| Return on Equity (ROE) | 7.0095% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.6555% | 1,838 |
| Net charge-offs to loans | 0.0097% | 3,348 |
| Credit loss provision to net charge-offs | 425.5319% | 787 |
| Earnings coverage of net charge-offs (x) | 83.5106% | 843 |
| Efficiency ratio | 80.7267% | 898 |
| Assets per employee ($millions) | 6.8849% | 1,029 |
| Cash dividends to net income (ytd only)* | 5.0495% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,447 |
| Loan loss allowance to noncurrent loans | 675.3075% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 4,028 |
| Noncurrent loans to loans | 0.2148% | 3,812 |
| Net loans and leases to total assets | 73.3635% | 2,033 |
| Net loans and leases to deposits | 104.0735% | 478 |
| Net loans and leases to core deposits | 124.7273% | 422 |
| Total domestic deposits to total assets | 70.4920% | 5,141 |
| Equity capital to assets | 10.9111% | 2,780 |
| Core capital (leverage) ratio | 11.0388% | 2,489 |
| Tier 1 risk-based capital ratio | 14.0678% | 3,261 |
| Total risk-based capital ratio | 15.4534% | 3,129 |
| Memoranda: | ||
| Average total assets | $639,721,000 | 1,134 |
| Average earning assets | $589,385,200 | 1,134 |
| Average equity | $72,045,400 | 1,132 |
| Average total loans | $485,964,400 | 1,076 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 4,120 |
| Cost of funding earning assets | 0.9746% | 662 |
| Net interest margin | 2.9602% | 4,906 |
| Noninterest income to average assets | 0.4998% | 2,867 |
| Noninterest expense to average assets | 2.4352% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6038% | 4,493 |
| Return on assets (ROA) | 1.0277% | 2,987 |
| Pretax return on assets | 1.3276% | 2,517 |
| Return on Equity (ROE) | 9.0519% | 3,056 |
| Retained earnings to average equity (ytd only) | 8.7650% | 1,319 |
| Net charge-offs to loans | 0.0041% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 250.9270% | 368 |
| Efficiency ratio | 75.4804% | 1,411 |
| Assets per employee ($millions) | 6.5305% | 1,172 |
| Cash dividends to net income (ytd only)* | 3.1697% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,607 |
| Loan loss allowance to noncurrent loans | 750.2691% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 4,217 |
| Noncurrent loans to loans | 0.1899% | 4,032 |
| Net loans and leases to total assets | 76.1249% | 1,643 |
| Net loans and leases to deposits | 108.8682% | 323 |
| Net loans and leases to core deposits | 129.4544% | 344 |
| Total domestic deposits to total assets | 69.9239% | 5,212 |
| Equity capital to assets | 11.5569% | 2,220 |
| Core capital (leverage) ratio | 11.2624% | 2,368 |
| Tier 1 risk-based capital ratio | 14.5154% | 3,119 |
| Total risk-based capital ratio | 16.0388% | 2,896 |
| Memoranda: | ||
| Average total assets | $634,414,000 | 1,149 |
| Average earning assets | $584,315,500 | 1,146 |
| Average equity | $72,027,500 | 1,131 |
| Average total loans | $484,447,250 | 1,079 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 4,120 |
| Cost of funding earning assets | 0.9206% | 669 |
| Net interest margin | 2.9618% | 4,930 |
| Noninterest income to average assets | 0.5108% | 2,797 |
| Noninterest expense to average assets | 2.4571% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6067% | 4,474 |
| Return on assets (ROA) | 0.9081% | 3,431 |
| Pretax return on assets | 1.1633% | 3,084 |
| Return on Equity (ROE) | 8.0465% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.7673% | 1,721 |
| Net charge-offs to loans | -0.0017% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8634% | 1,444 |
| Assets per employee ($millions) | 6.6302% | 1,117 |
| Cash dividends to net income (ytd only)* | 3.4698% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,641 |
| Loan loss allowance to noncurrent loans | 627.3788% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 4,110 |
| Noncurrent loans to loans | 0.2279% | 3,902 |
| Net loans and leases to total assets | 75.6820% | 1,685 |
| Net loans and leases to deposits | 108.2432% | 345 |
| Net loans and leases to core deposits | 131.4494% | 302 |
| Total domestic deposits to total assets | 69.9185% | 5,281 |
| Equity capital to assets | 11.3496% | 2,313 |
| Core capital (leverage) ratio | 11.0059% | 2,521 |
| Tier 1 risk-based capital ratio | 14.0580% | 3,329 |
| Total risk-based capital ratio | 15.6536% | 3,077 |
| Memoranda: | ||
| Average total assets | $634,731,000 | 1,149 |
| Average earning assets | $584,639,670 | 1,148 |
| Average equity | $71,633,670 | 1,137 |
| Average total loans | $482,865,330 | 1,085 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 4,055 |
| Cost of funding earning assets | 0.8931% | 617 |
| Net interest margin | 2.9652% | 4,927 |
| Noninterest income to average assets | 0.4670% | 3,015 |
| Noninterest expense to average assets | 2.4788% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5553% | 4,558 |
| Return on assets (ROA) | 1.1227% | 2,340 |
| Pretax return on assets | 1.4363% | 1,878 |
| Return on Equity (ROE) | 9.9761% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.9144% | 1,187 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5365% | 1,401 |
| Assets per employee ($millions) | 6.9622% | 974 |
| Cash dividends to net income (ytd only)* | 0.6183% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 1,607 |
| Loan loss allowance to noncurrent loans | 599.5708% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 4,124 |
| Noncurrent loans to loans | 0.2438% | 3,896 |
| Net loans and leases to total assets | 75.1591% | 1,677 |
| Net loans and leases to deposits | 108.5912% | 305 |
| Net loans and leases to core deposits | 130.4831% | 332 |
| Total domestic deposits to total assets | 69.2128% | 5,386 |
| Equity capital to assets | 11.4600% | 2,162 |
| Core capital (leverage) ratio | 10.9172% | 2,524 |
| Tier 1 risk-based capital ratio | 14.4327% | 3,154 |
| Total risk-based capital ratio | 16.0100% | 2,921 |
| Memoranda: | ||
| Average total assets | $633,846,500 | 1,161 |
| Average earning assets | $583,574,000 | 1,162 |
| Average equity | $71,330,500 | 1,146 |
| Average total loans | $479,945,500 | 1,096 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 3,924 |
| Cost of funding earning assets | 0.7639% | 769 |
| Net interest margin | 3.0726% | 4,741 |
| Noninterest income to average assets | 0.4984% | 3,011 |
| Noninterest expense to average assets | 2.4597% | 3,917 |
| Loan and lease loss provision to assets | 0.0474% | 3,277 |
| Net operating income to assets | 0.4607% | 4,490 |
| Return on assets (ROA) | 0.5395% | 4,297 |
| Pretax return on assets | 0.9473% | 3,750 |
| Return on Equity (ROE) | 4.9800% | 4,164 |
| Retained earnings to average equity (ytd only) | 4.6795% | 2,334 |
| Net charge-offs to loans | -0.0771% | 5,306 |
| Credit loss provision to net charge-offs | -82.6446% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8355% | 1,918 |
| Assets per employee ($millions) | 6.7484% | 1,082 |
| Cash dividends to net income (ytd only)* | 6.0340% | 4,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,586 |
| Loan loss allowance to noncurrent loans | 510.5994% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 4,039 |
| Noncurrent loans to loans | 0.2838% | 3,764 |
| Net loans and leases to total assets | 74.0882% | 1,903 |
| Net loans and leases to deposits | 107.8672% | 328 |
| Net loans and leases to core deposits | 131.6125% | 306 |
| Total domestic deposits to total assets | 68.6846% | 5,449 |
| Equity capital to assets | 11.0519% | 2,579 |
| Core capital (leverage) ratio | 10.5285% | 2,815 |
| Tier 1 risk-based capital ratio | 13.8426% | 3,449 |
| Total risk-based capital ratio | 15.5194% | 3,110 |
| Memoranda: | ||
| Average total assets | $632,838,000 | 1,143 |
| Average earning assets | $583,478,000 | 1,141 |
| Average equity | $68,554,000 | 1,162 |
| Average total loans | $470,602,400 | 1,088 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 4,047 |
| Cost of funding earning assets | 0.7288% | 850 |
| Net interest margin | 3.0603% | 4,796 |
| Noninterest income to average assets | 0.5035% | 3,011 |
| Noninterest expense to average assets | 2.4908% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5758% | 4,478 |
| Return on assets (ROA) | 0.6764% | 4,152 |
| Pretax return on assets | 0.9820% | 3,755 |
| Return on Equity (ROE) | 6.2763% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.9801% | 2,251 |
| Net charge-offs to loans | -0.0818% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8666% | 1,765 |
| Assets per employee ($millions) | 6.6857% | 1,080 |
| Cash dividends to net income (ytd only)* | 4.7188% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 2,077 |
| Loan loss allowance to noncurrent loans | 397.8928% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 3,996 |
| Noncurrent loans to loans | 0.3419% | 3,722 |
| Net loans and leases to total assets | 74.6674% | 1,810 |
| Net loans and leases to deposits | 111.5026% | 234 |
| Net loans and leases to core deposits | 134.4124% | 278 |
| Total domestic deposits to total assets | 66.9648% | 5,564 |
| Equity capital to assets | 10.9317% | 2,930 |
| Core capital (leverage) ratio | 10.3394% | 3,153 |
| Tier 1 risk-based capital ratio | 13.7603% | 3,545 |
| Total risk-based capital ratio | 15.3685% | 3,299 |
| Memoranda: | ||
| Average total assets | $630,774,000 | 1,151 |
| Average earning assets | $581,972,750 | 1,152 |
| Average equity | $67,979,250 | 1,177 |
| Average total loans | $467,763,000 | 1,097 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7382% | 4,110 |
| Cost of funding earning assets | 0.6918% | 934 |
| Net interest margin | 3.0464% | 4,802 |
| Noninterest income to average assets | 0.4797% | 3,152 |
| Noninterest expense to average assets | 2.5020% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5377% | 4,583 |
| Return on assets (ROA) | 0.6663% | 4,058 |
| Pretax return on assets | 0.9686% | 3,694 |
| Return on Equity (ROE) | 6.2125% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.8824% | 2,182 |
| Net charge-offs to loans | -0.1234% | 5,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1798% | 1,698 |
| Assets per employee ($millions) | 6.8527% | 984 |
| Cash dividends to net income (ytd only)* | 5.3135% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 2,138 |
| Loan loss allowance to noncurrent loans | 361.0383% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 3,998 |
| Noncurrent loans to loans | 0.3756% | 3,680 |
| Net loans and leases to total assets | 73.8175% | 1,903 |
| Net loans and leases to deposits | 119.4154% | 101 |
| Net loans and leases to core deposits | 146.3043% | 146 |
| Total domestic deposits to total assets | 61.8157% | 5,686 |
| Equity capital to assets | 10.5215% | 3,312 |
| Core capital (leverage) ratio | 10.4389% | 2,985 |
| Tier 1 risk-based capital ratio | 13.4179% | 3,735 |
| Total risk-based capital ratio | 14.9724% | 3,494 |
| Memoranda: | ||
| Average total assets | $627,088,670 | 1,160 |
| Average earning assets | $577,333,330 | 1,166 |
| Average equity | $67,251,330 | 1,194 |
| Average total loans | $461,735,000 | 1,108 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 4,109 |
| Cost of funding earning assets | 0.6573% | 1,040 |
| Net interest margin | 3.0471% | 4,794 |
| Noninterest income to average assets | 0.4858% | 3,068 |
| Noninterest expense to average assets | 2.4405% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5838% | 4,224 |
| Return on assets (ROA) | 0.8369% | 3,101 |
| Pretax return on assets | 1.2128% | 2,542 |
| Return on Equity (ROE) | 7.7264% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.4502% | 1,671 |
| Net charge-offs to loans | -0.2503% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2580% | 2,189 |
| Assets per employee ($millions) | 6.6819% | 1,087 |
| Cash dividends to net income (ytd only)* | 3.5742% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,858 |
| Loan loss allowance to noncurrent loans | 367.8552% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 4,051 |
| Noncurrent loans to loans | 0.3951% | 3,685 |
| Net loans and leases to total assets | 72.0493% | 2,071 |
| Net loans and leases to deposits | 117.1073% | 106 |
| Net loans and leases to core deposits | 142.5717% | 152 |
| Total domestic deposits to total assets | 61.5242% | 5,762 |
| Equity capital to assets | 10.8260% | 2,828 |
| Core capital (leverage) ratio | 10.5912% | 2,801 |
| Tier 1 risk-based capital ratio | 14.3275% | 3,300 |
| Total risk-based capital ratio | 15.8809% | 3,072 |
| Memoranda: | ||
| Average total assets | $615,127,500 | 1,181 |
| Average earning assets | $565,383,000 | 1,186 |
| Average equity | $66,629,000 | 1,197 |
| Average total loans | $449,019,000 | 1,131 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,173 |
| Cost of funding earning assets | 0.6426% | 1,090 |
| Net interest margin | 3.0706% | 4,798 |
| Noninterest income to average assets | 0.6068% | 2,624 |
| Noninterest expense to average assets | 2.5314% | 3,913 |
| Loan and lease loss provision to assets | 0.1126% | 2,186 |
| Net operating income to assets | 0.5655% | 4,364 |
| Return on assets (ROA) | 0.6735% | 4,011 |
| Pretax return on assets | 0.9469% | 3,665 |
| Return on Equity (ROE) | 6.1697% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.8779% | 1,777 |
| Net charge-offs to loans | 0.0165% | 3,741 |
| Credit loss provision to net charge-offs | 923.6111% | 409 |
| Earnings coverage of net charge-offs (x) | 74.4028% | 758 |
| Efficiency ratio | 73.6121% | 2,338 |
| Assets per employee ($millions) | 6.6178% | 1,094 |
| Cash dividends to net income (ytd only)* | 4.7284% | 4,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,982 |
| Loan loss allowance to noncurrent loans | 248.2136% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 3,597 |
| Noncurrent loans to loans | 0.5740% | 3,119 |
| Net loans and leases to total assets | 71.8395% | 2,189 |
| Net loans and leases to deposits | 116.5102% | 125 |
| Net loans and leases to core deposits | 141.7724% | 155 |
| Total domestic deposits to total assets | 61.6595% | 5,809 |
| Equity capital to assets | 10.8376% | 2,775 |
| Core capital (leverage) ratio | 10.7484% | 2,596 |
| Tier 1 risk-based capital ratio | 14.4334% | 3,223 |
| Total risk-based capital ratio | 16.0151% | 3,013 |
| Memoranda: | ||
| Average total assets | $590,352,800 | 1,187 |
| Average earning assets | $544,487,800 | 1,181 |
| Average equity | $64,444,400 | 1,215 |
| Average total loans | $435,638,800 | 1,120 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 4,179 |
| Cost of funding earning assets | 0.6468% | 1,074 |
| Net interest margin | 3.0742% | 4,847 |
| Noninterest income to average assets | 0.5302% | 3,042 |
| Noninterest expense to average assets | 2.4823% | 4,036 |
| Loan and lease loss provision to assets | 0.0911% | 2,409 |
| Net operating income to assets | 0.5698% | 4,417 |
| Return on assets (ROA) | 0.6934% | 4,018 |
| Pretax return on assets | 0.9642% | 3,763 |
| Return on Equity (ROE) | 6.3398% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.0609% | 2,156 |
| Net charge-offs to loans | 0.0341% | 2,952 |
| Credit loss provision to net charge-offs | 360.3604% | 909 |
| Earnings coverage of net charge-offs (x) | 34.9721% | 1,345 |
| Efficiency ratio | 73.7472% | 2,333 |
| Assets per employee ($millions) | 6.5063% | 1,101 |
| Cash dividends to net income (ytd only)* | 4.3992% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,355 |
| Loan loss allowance to noncurrent loans | 254.7841% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,782 |
| Noncurrent loans to loans | 0.5364% | 3,383 |
| Net loans and leases to total assets | 74.1698% | 1,846 |
| Net loans and leases to deposits | 114.9007% | 169 |
| Net loans and leases to core deposits | 141.6541% | 178 |
| Total domestic deposits to total assets | 64.5512% | 5,841 |
| Equity capital to assets | 11.2305% | 2,765 |
| Core capital (leverage) ratio | 10.7658% | 2,716 |
| Tier 1 risk-based capital ratio | 14.3059% | 3,390 |
| Total risk-based capital ratio | 15.8072% | 3,197 |
| Memoranda: | ||
| Average total assets | $585,732,000 | 1,197 |
| Average earning assets | $540,304,000 | 1,190 |
| Average equity | $64,059,750 | 1,231 |
| Average total loans | $433,621,750 | 1,124 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,199 |
| Cost of funding earning assets | 0.6508% | 1,053 |
| Net interest margin | 3.0761% | 4,900 |
| Noninterest income to average assets | 0.4695% | 3,410 |
| Noninterest expense to average assets | 2.4917% | 4,053 |
| Loan and lease loss provision to assets | 0.1024% | 2,138 |
| Net operating income to assets | 0.5220% | 4,597 |
| Return on assets (ROA) | 0.6760% | 4,060 |
| Pretax return on assets | 0.9201% | 3,878 |
| Return on Equity (ROE) | 6.2370% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.9566% | 2,135 |
| Net charge-offs to loans | 0.0496% | 2,491 |
| Credit loss provision to net charge-offs | 280.3738% | 1,011 |
| Earnings coverage of net charge-offs (x) | 22.2150% | 1,640 |
| Efficiency ratio | 75.4315% | 2,159 |
| Assets per employee ($millions) | 6.4708% | 1,103 |
| Cash dividends to net income (ytd only)* | 4.4949% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 2,506 |
| Loan loss allowance to noncurrent loans | 263.5514% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 3,798 |
| Noncurrent loans to loans | 0.5142% | 3,540 |
| Net loans and leases to total assets | 72.4101% | 2,105 |
| Net loans and leases to deposits | 115.4895% | 154 |
| Net loans and leases to core deposits | 139.0900% | 195 |
| Total domestic deposits to total assets | 62.6985% | 5,946 |
| Equity capital to assets | 10.8188% | 3,264 |
| Core capital (leverage) ratio | 10.5175% | 2,957 |
| Tier 1 risk-based capital ratio | 13.8617% | 3,691 |
| Total risk-based capital ratio | 15.3241% | 3,481 |
| Memoranda: | ||
| Average total assets | $585,787,330 | 1,199 |
| Average earning assets | $539,646,000 | 1,199 |
| Average equity | $63,492,330 | 1,244 |
| Average total loans | $431,385,330 | 1,134 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 4,349 |
| Cost of funding earning assets | 0.6433% | 1,090 |
| Net interest margin | 3.0486% | 5,002 |
| Noninterest income to average assets | 0.4186% | 3,695 |
| Noninterest expense to average assets | 2.4811% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5307% | 4,501 |
| Return on assets (ROA) | 0.7394% | 3,646 |
| Pretax return on assets | 1.0437% | 3,304 |
| Return on Equity (ROE) | 6.8152% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.5931% | 2,087 |
| Net charge-offs to loans | 0.0756% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 1,736 |
| Efficiency ratio | 76.7952% | 2,069 |
| Assets per employee ($millions) | 6.1778% | 1,288 |
| Cash dividends to net income (ytd only)* | 3.2588% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,943 |
| Loan loss allowance to noncurrent loans | 206.2066% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 3,445 |
| Noncurrent loans to loans | 0.6271% | 3,287 |
| Net loans and leases to total assets | 75.0422% | 1,545 |
| Net loans and leases to deposits | 115.0473% | 132 |
| Net loans and leases to core deposits | 138.2020% | 181 |
| Total domestic deposits to total assets | 65.2272% | 5,980 |
| Equity capital to assets | 11.0820% | 2,847 |
| Core capital (leverage) ratio | 10.6935% | 2,740 |
| Tier 1 risk-based capital ratio | 13.5560% | 3,949 |
| Total risk-based capital ratio | 15.0122% | 3,763 |
| Memoranda: | ||
| Average total assets | $581,023,000 | 1,211 |
| Average earning assets | $535,975,500 | 1,207 |
| Average equity | $63,035,500 | 1,245 |
| Average total loans | $428,582,500 | 1,137 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,544 |
| Cost of funding earning assets | 0.6487% | 1,083 |
| Net interest margin | 2.9955% | 5,150 |
| Noninterest income to average assets | 0.4776% | 3,480 |
| Noninterest expense to average assets | 2.4975% | 4,230 |
| Loan and lease loss provision to assets | 0.0261% | 3,866 |
| Net operating income to assets | 0.5408% | 4,537 |
| Return on assets (ROA) | 0.6405% | 4,169 |
| Pretax return on assets | 0.8603% | 3,989 |
| Return on Equity (ROE) | 6.0055% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.6984% | 1,958 |
| Net charge-offs to loans | 0.0202% | 3,862 |
| Credit loss provision to net charge-offs | 178.5714% | 1,520 |
| Earnings coverage of net charge-offs (x) | 51.3810% | 982 |
| Efficiency ratio | 76.8629% | 2,139 |
| Assets per employee ($millions) | 6.0568% | 1,340 |
| Cash dividends to net income (ytd only)* | 5.1129% | 4,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,598 |
| Loan loss allowance to noncurrent loans | 175.3060% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 3,369 |
| Noncurrent loans to loans | 0.7774% | 2,841 |
| Net loans and leases to total assets | 70.5765% | 2,285 |
| Net loans and leases to deposits | 110.6053% | 228 |
| Net loans and leases to core deposits | 134.4904% | 215 |
| Total domestic deposits to total assets | 63.8093% | 6,049 |
| Equity capital to assets | 10.6212% | 3,214 |
| Core capital (leverage) ratio | 10.4933% | 2,938 |
| Tier 1 risk-based capital ratio | 13.7324% | 3,868 |
| Total risk-based capital ratio | 15.2066% | 3,666 |
| Memoranda: | ||
| Average total assets | $574,102,200 | 1,188 |
| Average earning assets | $531,199,000 | 1,186 |
| Average equity | $61,227,200 | 1,236 |
| Average total loans | $416,413,000 | 1,099 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,617 |
| Cost of funding earning assets | 0.6722% | 972 |
| Net interest margin | 2.9658% | 5,276 |
| Noninterest income to average assets | 0.4910% | 3,430 |
| Noninterest expense to average assets | 2.4545% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5664% | 4,544 |
| Return on assets (ROA) | 0.6943% | 4,033 |
| Pretax return on assets | 0.9566% | 3,793 |
| Return on Equity (ROE) | 6.5031% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.1902% | 2,124 |
| Net charge-offs to loans | -0.0257% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8519% | 2,268 |
| Assets per employee ($millions) | 5.7658% | 1,535 |
| Cash dividends to net income (ytd only)* | 4.8115% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,679 |
| Loan loss allowance to noncurrent loans | 175.0381% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 3,563 |
| Noncurrent loans to loans | 0.7911% | 2,985 |
| Net loans and leases to total assets | 71.6511% | 2,114 |
| Net loans and leases to deposits | 110.2579% | 248 |
| Net loans and leases to core deposits | 134.4618% | 223 |
| Total domestic deposits to total assets | 64.9850% | 6,113 |
| Equity capital to assets | 10.8145% | 3,225 |
| Core capital (leverage) ratio | 10.6250% | 2,900 |
| Tier 1 risk-based capital ratio | 14.0294% | 3,826 |
| Total risk-based capital ratio | 15.4509% | 3,665 |
| Memoranda: | ||
| Average total assets | $570,749,500 | 1,202 |
| Average earning assets | $528,226,500 | 1,201 |
| Average equity | $60,933,750 | 1,249 |
| Average total loans | $415,422,500 | 1,104 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 4,581 |
| Cost of funding earning assets | 0.7043% | 824 |
| Net interest margin | 2.9447% | 5,348 |
| Noninterest income to average assets | 0.4962% | 3,402 |
| Noninterest expense to average assets | 2.4723% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5400% | 4,605 |
| Return on assets (ROA) | 0.7264% | 3,880 |
| Pretax return on assets | 1.0082% | 3,553 |
| Return on Equity (ROE) | 6.8339% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.5669% | 1,915 |
| Net charge-offs to loans | 0.0558% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 18.4310% | 1,807 |
| Efficiency ratio | 76.7432% | 2,239 |
| Assets per employee ($millions) | 5.8601% | 1,457 |
| Cash dividends to net income (ytd only)* | 3.9074% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 2,958 |
| Loan loss allowance to noncurrent loans | 188.2892% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 3,846 |
| Noncurrent loans to loans | 0.7199% | 3,326 |
| Net loans and leases to total assets | 71.7586% | 2,026 |
| Net loans and leases to deposits | 105.0247% | 406 |
| Net loans and leases to core deposits | 128.1438% | 306 |
| Total domestic deposits to total assets | 68.3255% | 6,104 |
| Equity capital to assets | 10.8672% | 3,030 |
| Core capital (leverage) ratio | 10.4800% | 2,987 |
| Tier 1 risk-based capital ratio | 14.0854% | 3,868 |
| Total risk-based capital ratio | 15.6034% | 3,650 |
| Memoranda: | ||
| Average total assets | $570,727,670 | 1,202 |
| Average earning assets | $528,194,330 | 1,205 |
| Average equity | $60,668,000 | 1,262 |
| Average total loans | $415,650,670 | 1,106 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,617 |
| Cost of funding earning assets | 0.7130% | 803 |
| Net interest margin | 2.9099% | 5,434 |
| Noninterest income to average assets | 0.5150% | 3,186 |
| Noninterest expense to average assets | 2.4516% | 4,438 |
| Loan and lease loss provision to assets | 0.0348% | 3,208 |
| Net operating income to assets | 0.5370% | 4,521 |
| Return on assets (ROA) | 0.5741% | 4,493 |
| Pretax return on assets | 0.7766% | 4,327 |
| Return on Equity (ROE) | 5.4605% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.2024% | 2,949 |
| Net charge-offs to loans | 0.0010% | 3,276 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 1,094.0000% | 34 |
| Efficiency ratio | 76.3050% | 2,470 |
| Assets per employee ($millions) | 5.9525% | 1,426 |
| Cash dividends to net income (ytd only)* | 4.7273% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 3,057 |
| Loan loss allowance to noncurrent loans | 191.8710% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 3,940 |
| Noncurrent loans to loans | 0.7149% | 3,479 |
| Net loans and leases to total assets | 71.8746% | 1,824 |
| Net loans and leases to deposits | 111.3908% | 192 |
| Net loans and leases to core deposits | 135.2656% | 192 |
| Total domestic deposits to total assets | 64.5248% | 6,269 |
| Equity capital to assets | 10.6533% | 3,372 |
| Core capital (leverage) ratio | 10.1497% | 3,407 |
| Tier 1 risk-based capital ratio | 14.0830% | 3,952 |
| Total risk-based capital ratio | 15.7009% | 3,672 |
| Memoranda: | ||
| Average total assets | $574,805,500 | 1,199 |
| Average earning assets | $532,947,500 | 1,197 |
| Average equity | $60,434,000 | 1,269 |
| Average total loans | $418,855,500 | 1,094 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 5,125 |
| Cost of funding earning assets | 0.8720% | 456 |
| Net interest margin | 2.7112% | 5,922 |
| Noninterest income to average assets | 0.4265% | 3,997 |
| Noninterest expense to average assets | 2.4526% | 4,698 |
| Loan and lease loss provision to assets | 0.0714% | 3,055 |
| Net operating income to assets | 0.3134% | 5,487 |
| Return on assets (ROA) | 0.5046% | 4,880 |
| Pretax return on assets | 0.6622% | 4,750 |
| Return on Equity (ROE) | 5.2038% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.9751% | 2,616 |
| Net charge-offs to loans | 0.0272% | 4,278 |
| Credit loss provision to net charge-offs | 386.3636% | 674 |
| Earnings coverage of net charge-offs (x) | 26.0818% | 1,479 |
| Efficiency ratio | 83.5729% | 1,463 |
| Assets per employee ($millions) | 6.0860% | 1,324 |
| Cash dividends to net income (ytd only)* | 4.3956% | 4,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 3,206 |
| Loan loss allowance to noncurrent loans | 179.2656% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 3,933 |
| Noncurrent loans to loans | 0.7499% | 3,451 |
| Net loans and leases to total assets | 71.8845% | 1,930 |
| Net loans and leases to deposits | 112.1498% | 190 |
| Net loans and leases to core deposits | 141.2803% | 157 |
| Total domestic deposits to total assets | 64.0969% | 6,356 |
| Equity capital to assets | 10.3760% | 3,633 |
| Core capital (leverage) ratio | 9.8995% | 3,713 |
| Tier 1 risk-based capital ratio | 14.8342% | 3,579 |
| Total risk-based capital ratio | 16.4662% | 3,320 |
| Memoranda: | ||
| Average total assets | $595,122,000 | 1,116 |
| Average earning assets | $550,572,200 | 1,096 |
| Average equity | $57,707,400 | 1,265 |
| Average total loans | $403,887,200 | 1,091 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 5,220 |
| Cost of funding earning assets | 0.9118% | 389 |
| Net interest margin | 2.6561% | 6,063 |
| Noninterest income to average assets | 0.4258% | 4,058 |
| Noninterest expense to average assets | 2.3342% | 5,011 |
| Loan and lease loss provision to assets | 0.0501% | 3,376 |
| Net operating income to assets | 0.3818% | 5,313 |
| Return on assets (ROA) | 0.4936% | 4,964 |
| Pretax return on assets | 0.6420% | 4,900 |
| Return on Equity (ROE) | 5.1781% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.9704% | 3,095 |
| Net charge-offs to loans | 0.0140% | 4,272 |
| Credit loss provision to net charge-offs | 535.7143% | 540 |
| Earnings coverage of net charge-offs (x) | 58.5223% | 881 |
| Efficiency ratio | 81.0208% | 1,758 |
| Assets per employee ($millions) | 6.0711% | 1,283 |
| Cash dividends to net income (ytd only)* | 4.0107% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 3,441 |
| Loan loss allowance to noncurrent loans | 186.9213% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 4,315 |
| Noncurrent loans to loans | 0.7176% | 3,814 |
| Net loans and leases to total assets | 67.6811% | 2,586 |
| Net loans and leases to deposits | 108.8625% | 247 |
| Net loans and leases to core deposits | 134.5204% | 184 |
| Total domestic deposits to total assets | 62.1711% | 6,464 |
| Equity capital to assets | 9.7659% | 4,462 |
| Core capital (leverage) ratio | 9.3995% | 4,515 |
| Tier 1 risk-based capital ratio | 14.4522% | 3,917 |
| Total risk-based capital ratio | 16.0229% | 3,659 |
| Memoranda: | ||
| Average total assets | $599,359,250 | 1,114 |
| Average earning assets | $554,027,250 | 1,101 |
| Average equity | $57,136,500 | 1,287 |
| Average total loans | $399,539,000 | 1,100 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5537% | 5,278 |
| Cost of funding earning assets | 0.9217% | 383 |
| Net interest margin | 2.6320% | 6,134 |
| Noninterest income to average assets | 0.4225% | 4,072 |
| Noninterest expense to average assets | 2.4035% | 4,869 |
| Loan and lease loss provision to assets | 0.0752% | 2,775 |
| Net operating income to assets | 0.2967% | 5,574 |
| Return on assets (ROA) | 0.4509% | 5,090 |
| Pretax return on assets | 0.5648% | 5,075 |
| Return on Equity (ROE) | 4.7689% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.5535% | 3,271 |
| Net charge-offs to loans | 0.0233% | 3,738 |
| Credit loss provision to net charge-offs | 489.1304% | 604 |
| Earnings coverage of net charge-offs (x) | 29.1087% | 1,281 |
| Efficiency ratio | 84.3117% | 1,469 |
| Assets per employee ($millions) | 6.1906% | 1,177 |
| Cash dividends to net income (ytd only)* | 4.5185% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 3,484 |
| Loan loss allowance to noncurrent loans | 174.4634% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 4,361 |
| Noncurrent loans to loans | 0.7860% | 3,733 |
| Net loans and leases to total assets | 65.5275% | 2,829 |
| Net loans and leases to deposits | 104.9568% | 337 |
| Net loans and leases to core deposits | 134.0437% | 186 |
| Total domestic deposits to total assets | 62.4328% | 6,537 |
| Equity capital to assets | 9.6098% | 4,609 |
| Core capital (leverage) ratio | 9.1735% | 4,781 |
| Tier 1 risk-based capital ratio | 14.3970% | 3,993 |
| Total risk-based capital ratio | 15.9952% | 3,732 |
| Memoranda: | ||
| Average total assets | $598,798,670 | 1,112 |
| Average earning assets | $552,442,000 | 1,104 |
| Average equity | $56,616,330 | 1,285 |
| Average total loans | $395,278,000 | 1,105 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 5,350 |
| Cost of funding earning assets | 0.9024% | 444 |
| Net interest margin | 2.6274% | 6,197 |
| Noninterest income to average assets | 0.4263% | 3,974 |
| Noninterest expense to average assets | 2.3582% | 5,046 |
| Loan and lease loss provision to assets | 0.0403% | 3,274 |
| Net operating income to assets | 0.3377% | 5,363 |
| Return on assets (ROA) | 0.5400% | 4,575 |
| Pretax return on assets | 0.7383% | 4,360 |
| Return on Equity (ROE) | 5.7590% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.6083% | 2,734 |
| Net charge-offs to loans | 0.0317% | 2,958 |
| Credit loss provision to net charge-offs | 193.5484% | 1,072 |
| Earnings coverage of net charge-offs (x) | 24.0645% | 1,193 |
| Efficiency ratio | 82.4594% | 1,871 |
| Assets per employee ($millions) | 6.1643% | 1,194 |
| Cash dividends to net income (ytd only)* | 2.6152% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 3,787 |
| Loan loss allowance to noncurrent loans | 159.2713% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 4,132 |
| Noncurrent loans to loans | 0.8548% | 3,756 |
| Net loans and leases to total assets | 65.8323% | 2,592 |
| Net loans and leases to deposits | 105.2428% | 253 |
| Net loans and leases to core deposits | 132.7849% | 167 |
| Total domestic deposits to total assets | 62.5528% | 6,613 |
| Equity capital to assets | 9.5390% | 4,447 |
| Core capital (leverage) ratio | 9.3190% | 4,544 |
| Tier 1 risk-based capital ratio | 14.5790% | 3,958 |
| Total risk-based capital ratio | 16.1488% | 3,721 |
| Memoranda: | ||
| Average total assets | $594,856,500 | 1,127 |
| Average earning assets | $550,961,000 | 1,114 |
| Average equity | $55,774,000 | 1,297 |
| Average total loans | $391,381,500 | 1,132 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 5,271 |
| Cost of funding earning assets | 0.9942% | 456 |
| Net interest margin | 2.6582% | 6,193 |
| Noninterest income to average assets | 0.4731% | 3,937 |
| Noninterest expense to average assets | 2.4235% | 5,011 |
| Loan and lease loss provision to assets | 0.0737% | 3,641 |
| Net operating income to assets | 0.3442% | 5,358 |
| Return on assets (ROA) | 0.4570% | 5,054 |
| Pretax return on assets | 0.5789% | 4,940 |
| Return on Equity (ROE) | 4.7465% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.5170% | 2,960 |
| Net charge-offs to loans | 0.0468% | 4,568 |
| Credit loss provision to net charge-offs | 245.6140% | 933 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,747 |
| Efficiency ratio | 82.6209% | 1,794 |
| Assets per employee ($millions) | 5.9794% | 1,287 |
| Cash dividends to net income (ytd only)* | 4.8350% | 4,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 3,747 |
| Loan loss allowance to noncurrent loans | 145.7221% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 3,984 |
| Noncurrent loans to loans | 0.9463% | 3,623 |
| Net loans and leases to total assets | 63.9630% | 3,048 |
| Net loans and leases to deposits | 105.7714% | 265 |
| Net loans and leases to core deposits | 129.8518% | 197 |
| Total domestic deposits to total assets | 60.4729% | 6,711 |
| Equity capital to assets | 9.2147% | 4,789 |
| Core capital (leverage) ratio | 9.0920% | 4,870 |
| Tier 1 risk-based capital ratio | 14.0986% | 4,230 |
| Total risk-based capital ratio | 15.6556% | 3,956 |
| Memoranda: | ||
| Average total assets | $570,256,400 | 1,162 |
| Average earning assets | $527,758,600 | 1,146 |
| Average equity | $54,903,600 | 1,300 |
| Average total loans | $365,482,400 | 1,166 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 5,243 |
| Cost of funding earning assets | 1.0137% | 459 |
| Net interest margin | 2.6592% | 6,239 |
| Noninterest income to average assets | 0.5029% | 3,784 |
| Noninterest expense to average assets | 2.4229% | 4,948 |
| Loan and lease loss provision to assets | 0.0402% | 4,205 |
| Net operating income to assets | 0.3830% | 5,315 |
| Return on assets (ROA) | 0.5164% | 4,885 |
| Pretax return on assets | 0.6729% | 4,780 |
| Return on Equity (ROE) | 5.3036% | 4,560 |
| Retained earnings to average equity (ytd only) | 5.0970% | 3,008 |
| Net charge-offs to loans | 0.0408% | 4,332 |
| Credit loss provision to net charge-offs | 154.5455% | 1,529 |
| Earnings coverage of net charge-offs (x) | 20.7368% | 1,576 |
| Efficiency ratio | 81.7782% | 1,853 |
| Assets per employee ($millions) | 5.7213% | 1,428 |
| Cash dividends to net income (ytd only)* | 3.8955% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 3,903 |
| Loan loss allowance to noncurrent loans | 179.4435% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 4,447 |
| Noncurrent loans to loans | 0.7792% | 4,288 |
| Net loans and leases to total assets | 61.7329% | 3,412 |
| Net loans and leases to deposits | 98.6009% | 529 |
| Net loans and leases to core deposits | 120.5858% | 309 |
| Total domestic deposits to total assets | 62.6088% | 6,769 |
| Equity capital to assets | 9.4228% | 4,644 |
| Core capital (leverage) ratio | 9.1605% | 4,886 |
| Tier 1 risk-based capital ratio | 14.5593% | 4,040 |
| Total risk-based capital ratio | 16.0402% | 3,840 |
| Memoranda: | ||
| Average total assets | $563,334,500 | 1,188 |
| Average earning assets | $521,089,250 | 1,178 |
| Average equity | $54,854,750 | 1,314 |
| Average total loans | $359,900,250 | 1,192 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 5,188 |
| Cost of funding earning assets | 1.0342% | 457 |
| Net interest margin | 2.6511% | 6,269 |
| Noninterest income to average assets | 0.5271% | 3,651 |
| Noninterest expense to average assets | 2.4670% | 4,847 |
| Loan and lease loss provision to assets | 0.0613% | 3,786 |
| Net operating income to assets | 0.3524% | 5,395 |
| Return on assets (ROA) | 0.4882% | 5,023 |
| Pretax return on assets | 0.6252% | 4,926 |
| Return on Equity (ROE) | 4.9570% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.7556% | 3,220 |
| Net charge-offs to loans | 0.0605% | 3,839 |
| Credit loss provision to net charge-offs | 157.4074% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.1574% | 1,923 |
| Efficiency ratio | 82.8029% | 1,787 |
| Assets per employee ($millions) | 5.3920% | 1,702 |
| Cash dividends to net income (ytd only)* | 4.0620% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 3,947 |
| Loan loss allowance to noncurrent loans | 144.1218% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 4,073 |
| Noncurrent loans to loans | 0.9847% | 3,969 |
| Net loans and leases to total assets | 64.5485% | 2,831 |
| Net loans and leases to deposits | 107.8032% | 184 |
| Net loans and leases to core deposits | 135.2665% | 159 |
| Total domestic deposits to total assets | 59.8762% | 6,840 |
| Equity capital to assets | 9.6802% | 4,340 |
| Core capital (leverage) ratio | 9.5761% | 4,112 |
| Tier 1 risk-based capital ratio | 14.5509% | 4,067 |
| Total risk-based capital ratio | 16.0012% | 3,909 |
| Memoranda: | ||
| Average total assets | $554,681,330 | 1,207 |
| Average earning assets | $513,065,000 | 1,201 |
| Average equity | $54,630,330 | 1,319 |
| Average total loans | $356,884,670 | 1,194 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 5,292 |
| Cost of funding earning assets | 1.0394% | 495 |
| Net interest margin | 2.6192% | 6,345 |
| Noninterest income to average assets | 0.5152% | 3,677 |
| Noninterest expense to average assets | 2.4650% | 4,888 |
| Loan and lease loss provision to assets | 0.0361% | 3,989 |
| Net operating income to assets | 0.3351% | 5,419 |
| Return on assets (ROA) | 0.5484% | 4,615 |
| Pretax return on assets | 0.7259% | 4,462 |
| Return on Equity (ROE) | 5.5208% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.3973% | 3,008 |
| Net charge-offs to loans | -0.0226% | 5,774 |
| Credit loss provision to net charge-offs | -250.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6640% | 1,811 |
| Assets per employee ($millions) | 5.2769% | 1,890 |
| Cash dividends to net income (ytd only)* | 2.2368% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 3,960 |
| Loan loss allowance to noncurrent loans | 147.0555% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 4,253 |
| Noncurrent loans to loans | 0.9943% | 4,140 |
| Net loans and leases to total assets | 62.8680% | 2,907 |
| Net loans and leases to deposits | 107.3974% | 170 |
| Net loans and leases to core deposits | 134.4671% | 151 |
| Total domestic deposits to total assets | 58.5377% | 6,924 |
| Equity capital to assets | 9.9970% | 4,155 |
| Core capital (leverage) ratio | 9.4983% | 4,084 |
| Tier 1 risk-based capital ratio | 14.8640% | 3,929 |
| Total risk-based capital ratio | 16.3233% | 3,743 |
| Memoranda: | ||
| Average total assets | $554,331,500 | 1,218 |
| Average earning assets | $514,512,500 | 1,210 |
| Average equity | $55,064,500 | 1,322 |
| Average total loans | $353,501,500 | 1,204 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 5,403 |
| Cost of funding earning assets | 1.2996% | 373 |
| Net interest margin | 2.6673% | 6,565 |
| Noninterest income to average assets | 0.5131% | 3,813 |
| Noninterest expense to average assets | 2.4822% | 5,158 |
| Loan and lease loss provision to assets | 0.0963% | 4,447 |
| Net operating income to assets | 0.3184% | 5,402 |
| Return on assets (ROA) | 0.4703% | 5,055 |
| Pretax return on assets | 0.6118% | 4,963 |
| Return on Equity (ROE) | 4.7958% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.5881% | 2,996 |
| Net charge-offs to loans | -0.0569% | 6,727 |
| Credit loss provision to net charge-offs | -273.4375% | 6,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9318% | 1,757 |
| Assets per employee ($millions) | 5.3326% | 1,860 |
| Cash dividends to net income (ytd only)* | 4.3309% | 4,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 3,971 |
| Loan loss allowance to noncurrent loans | 131.9617% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 4,038 |
| Noncurrent loans to loans | 1.0931% | 4,022 |
| Net loans and leases to total assets | 62.8213% | 3,091 |
| Net loans and leases to deposits | 107.1440% | 201 |
| Net loans and leases to core deposits | 135.7901% | 148 |
| Total domestic deposits to total assets | 58.6326% | 6,983 |
| Equity capital to assets | 9.8701% | 4,353 |
| Core capital (leverage) ratio | 9.3556% | 4,327 |
| Tier 1 risk-based capital ratio | 14.2764% | 4,182 |
| Total risk-based capital ratio | 15.6451% | 4,054 |
| Memoranda: | ||
| Average total assets | $544,961,800 | 1,231 |
| Average earning assets | $506,689,600 | 1,195 |
| Average equity | $53,443,000 | 1,332 |
| Average total loans | $337,476,200 | 1,248 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 5,419 |
| Cost of funding earning assets | 1.3413% | 371 |
| Net interest margin | 2.6945% | 6,652 |
| Noninterest income to average assets | 0.5121% | 3,846 |
| Noninterest expense to average assets | 2.4405% | 5,270 |
| Loan and lease loss provision to assets | 0.0725% | 4,757 |
| Net operating income to assets | 0.3762% | 5,347 |
| Return on assets (ROA) | 0.5468% | 4,897 |
| Pretax return on assets | 0.7345% | 4,726 |
| Return on Equity (ROE) | 5.5848% | 4,544 |
| Retained earnings to average equity (ytd only) | 5.4216% | 3,085 |
| Net charge-offs to loans | 0.2047% | 3,507 |
| Credit loss provision to net charge-offs | 57.6172% | 4,218 |
| Earnings coverage of net charge-offs (x) | 4.5820% | 3,265 |
| Efficiency ratio | 80.8911% | 1,956 |
| Assets per employee ($millions) | 5.0393% | 2,135 |
| Cash dividends to net income (ytd only)* | 2.9212% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 5,139 |
| Loan loss allowance to noncurrent loans | 80.5298% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 3,998 |
| Noncurrent loans to loans | 1.5278% | 3,494 |
| Net loans and leases to total assets | 61.4353% | 3,488 |
| Net loans and leases to deposits | 102.1421% | 339 |
| Net loans and leases to core deposits | 129.1560% | 197 |
| Total domestic deposits to total assets | 60.1469% | 7,063 |
| Equity capital to assets | 10.1665% | 4,249 |
| Core capital (leverage) ratio | 9.4797% | 4,298 |
| Tier 1 risk-based capital ratio | 15.1719% | 3,725 |
| Total risk-based capital ratio | 16.5587% | 3,596 |
| Memoranda: | ||
| Average total assets | $542,555,750 | 1,246 |
| Average earning assets | $504,376,000 | 1,213 |
| Average equity | $53,119,250 | 1,349 |
| Average total loans | $333,471,000 | 1,274 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 5,363 |
| Cost of funding earning assets | 1.3719% | 390 |
| Net interest margin | 2.7163% | 6,691 |
| Noninterest income to average assets | 0.4923% | 3,965 |
| Noninterest expense to average assets | 2.4351% | 5,343 |
| Loan and lease loss provision to assets | 0.0923% | 4,411 |
| Net operating income to assets | 0.3797% | 5,299 |
| Return on assets (ROA) | 0.4830% | 5,147 |
| Pretax return on assets | 0.6225% | 5,058 |
| Return on Equity (ROE) | 4.9979% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.8643% | 3,359 |
| Net charge-offs to loans | 0.1983% | 3,396 |
| Credit loss provision to net charge-offs | 75.9878% | 3,433 |
| Earnings coverage of net charge-offs (x) | 4.7964% | 2,984 |
| Efficiency ratio | 80.7020% | 2,074 |
| Assets per employee ($millions) | 5.2881% | 1,830 |
| Cash dividends to net income (ytd only)* | 2.6738% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 5,018 |
| Loan loss allowance to noncurrent loans | 85.1068% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0456% | 4,291 |
| Noncurrent loans to loans | 1.4961% | 3,662 |
| Net loans and leases to total assets | 60.0895% | 3,802 |
| Net loans and leases to deposits | 104.4079% | 271 |
| Net loans and leases to core deposits | 132.5777% | 199 |
| Total domestic deposits to total assets | 57.5527% | 7,152 |
| Equity capital to assets | 9.6581% | 4,812 |
| Core capital (leverage) ratio | 9.1322% | 4,716 |
| Tier 1 risk-based capital ratio | 14.6653% | 3,982 |
| Total risk-based capital ratio | 16.0403% | 3,867 |
| Memoranda: | ||
| Average total assets | $541,992,330 | 1,249 |
| Average earning assets | $503,840,670 | 1,218 |
| Average equity | $52,382,000 | 1,362 |
| Average total loans | $331,786,670 | 1,280 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 5,323 |
| Cost of funding earning assets | 1.4286% | 383 |
| Net interest margin | 2.7106% | 6,752 |
| Noninterest income to average assets | 0.4722% | 4,125 |
| Noninterest expense to average assets | 2.5456% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3395% | 5,517 |
| Return on assets (ROA) | 0.5305% | 4,895 |
| Pretax return on assets | 0.6881% | 4,829 |
| Return on Equity (ROE) | 5.4869% | 4,552 |
| Retained earnings to average equity (ytd only) | 5.4869% | 3,268 |
| Net charge-offs to loans | 0.1107% | 3,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 6.4725% | 2,205 |
| Efficiency ratio | 85.2603% | 1,553 |
| Assets per employee ($millions) | 5.1217% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 5,006 |
| Loan loss allowance to noncurrent loans | 66.5271% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.3366% | 3,888 |
| Noncurrent loans to loans | 1.9595% | 3,212 |
| Net loans and leases to total assets | 60.4087% | 3,573 |
| Net loans and leases to deposits | 106.1584% | 204 |
| Net loans and leases to core deposits | 132.6578% | 181 |
| Total domestic deposits to total assets | 56.9043% | 7,217 |
| Equity capital to assets | 9.7255% | 4,487 |
| Core capital (leverage) ratio | 9.3240% | 4,325 |
| Tier 1 risk-based capital ratio | 14.9522% | 3,789 |
| Total risk-based capital ratio | 16.4002% | 3,613 |
| Memoranda: | ||
| Average total assets | $535,362,000 | 1,264 |
| Average earning assets | $496,417,500 | 1,240 |
| Average equity | $51,759,500 | 1,369 |
| Average total loans | $328,704,000 | 1,289 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 4,946 |
| Cost of funding earning assets | 1.5657% | 545 |
| Net interest margin | 2.9666% | 6,579 |
| Noninterest income to average assets | 0.4126% | 4,513 |
| Noninterest expense to average assets | 2.5541% | 5,268 |
| Loan and lease loss provision to assets | 0.2555% | 3,651 |
| Net operating income to assets | 0.2794% | 5,332 |
| Return on assets (ROA) | 0.5602% | 4,373 |
| Pretax return on assets | 0.7103% | 4,290 |
| Return on Equity (ROE) | 6.0046% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.0046% | 2,011 |
| Net charge-offs to loans | 0.4135% | 3,356 |
| Credit loss provision to net charge-offs | 99.9263% | 3,577 |
| Earnings coverage of net charge-offs (x) | 2.3872% | 4,019 |
| Efficiency ratio | 80.7126% | 2,199 |
| Assets per employee ($millions) | 4.9808% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 4,730 |
| Loan loss allowance to noncurrent loans | 71.4845% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.3643% | 3,960 |
| Noncurrent loans to loans | 1.8675% | 3,389 |
| Net loans and leases to total assets | 60.7698% | 3,835 |
| Net loans and leases to deposits | 108.1536% | 203 |
| Net loans and leases to core deposits | 132.9382% | 212 |
| Total domestic deposits to total assets | 56.1885% | 7,264 |
| Equity capital to assets | 9.6102% | 4,730 |
| Core capital (leverage) ratio | 9.3066% | 4,320 |
| Tier 1 risk-based capital ratio | 15.1634% | 3,538 |
| Total risk-based capital ratio | 14.3113% | 4,990 |
| Memoranda: | ||
| Average total assets | $530,358,600 | 1,259 |
| Average earning assets | $491,974,200 | 1,234 |
| Average equity | $49,478,600 | 1,377 |
| Average total loans | $327,930,000 | 1,297 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 5,013 |
| Cost of funding earning assets | 1.5932% | 601 |
| Net interest margin | 2.9726% | 6,630 |
| Noninterest income to average assets | 0.4015% | 4,658 |
| Noninterest expense to average assets | 2.4989% | 5,467 |
| Loan and lease loss provision to assets | 0.1649% | 4,420 |
| Net operating income to assets | 0.3780% | 5,092 |
| Return on assets (ROA) | 0.6630% | 3,980 |
| Pretax return on assets | 0.8704% | 3,878 |
| Return on Equity (ROE) | 7.1607% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.1607% | 1,882 |
| Net charge-offs to loans | 0.1627% | 4,482 |
| Credit loss provision to net charge-offs | 163.7500% | 1,864 |
| Earnings coverage of net charge-offs (x) | 6.5575% | 2,533 |
| Efficiency ratio | 79.1013% | 2,395 |
| Assets per employee ($millions) | 4.9177% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,605 |
| Loan loss allowance to noncurrent loans | 160.3274% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 5,443 |
| Noncurrent loans to loans | 0.8670% | 5,129 |
| Net loans and leases to total assets | 60.9184% | 3,959 |
| Net loans and leases to deposits | 105.7109% | 258 |
| Net loans and leases to core deposits | 129.1481% | 257 |
| Total domestic deposits to total assets | 57.6273% | 7,326 |
| Equity capital to assets | 9.4636% | 5,140 |
| Core capital (leverage) ratio | 9.1871% | 4,646 |
| Tier 1 risk-based capital ratio | 15.4504% | 3,413 |
| Total risk-based capital ratio | 14.5774% | 4,835 |
| Memoranda: | ||
| Average total assets | $529,712,750 | 1,266 |
| Average earning assets | $491,401,500 | 1,240 |
| Average equity | $49,044,000 | 1,395 |
| Average total loans | $327,850,000 | 1,300 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6219% | 4,882 |
| Cost of funding earning assets | 1.6226% | 641 |
| Net interest margin | 2.9992% | 6,611 |
| Noninterest income to average assets | 0.3931% | 4,737 |
| Noninterest expense to average assets | 2.5068% | 5,510 |
| Loan and lease loss provision to assets | 0.2085% | 3,837 |
| Net operating income to assets | 0.3717% | 5,074 |
| Return on assets (ROA) | 0.5553% | 4,414 |
| Pretax return on assets | 0.6861% | 4,432 |
| Return on Equity (ROE) | 6.0434% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.0434% | 2,403 |
| Net charge-offs to loans | 0.2216% | 3,799 |
| Credit loss provision to net charge-offs | 151.9337% | 2,014 |
| Earnings coverage of net charge-offs (x) | 4.8674% | 2,748 |
| Efficiency ratio | 78.9612% | 2,565 |
| Assets per employee ($millions) | 4.9822% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 4,761 |
| Loan loss allowance to noncurrent loans | 213.1579% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 5,888 |
| Noncurrent loans to loans | 0.6391% | 5,647 |
| Net loans and leases to total assets | 61.0346% | 4,080 |
| Net loans and leases to deposits | 106.2264% | 259 |
| Net loans and leases to core deposits | 129.9063% | 274 |
| Total domestic deposits to total assets | 57.4570% | 7,395 |
| Equity capital to assets | 9.2648% | 5,185 |
| Core capital (leverage) ratio | 8.9560% | 4,796 |
| Tier 1 risk-based capital ratio | 14.9555% | 3,512 |
| Total risk-based capital ratio | 14.4940% | 4,709 |
| Memoranda: | ||
| Average total assets | $527,606,330 | 1,271 |
| Average earning assets | $489,326,670 | 1,251 |
| Average equity | $48,482,670 | 1,396 |
| Average total loans | $326,751,670 | 1,320 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 4,935 |
| Cost of funding earning assets | 1.6331% | 719 |
| Net interest margin | 2.9699% | 6,636 |
| Noninterest income to average assets | 0.3706% | 4,943 |
| Noninterest expense to average assets | 2.4795% | 5,630 |
| Loan and lease loss provision to assets | 0.1723% | 3,911 |
| Net operating income to assets | 0.3725% | 5,062 |
| Return on assets (ROA) | 0.5506% | 4,352 |
| Pretax return on assets | 0.7129% | 4,253 |
| Return on Equity (ROE) | 6.0170% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.0170% | 2,622 |
| Net charge-offs to loans | 0.2954% | 2,872 |
| Credit loss provision to net charge-offs | 94.1423% | 2,861 |
| Earnings coverage of net charge-offs (x) | 3.5732% | 2,700 |
| Efficiency ratio | 79.1300% | 2,675 |
| Assets per employee ($millions) | 5.1317% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 5,002 |
| Loan loss allowance to noncurrent loans | 124.7482% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 5,187 |
| Noncurrent loans to loans | 1.0642% | 4,925 |
| Net loans and leases to total assets | 60.9611% | 4,086 |
| Net loans and leases to deposits | 108.0087% | 216 |
| Net loans and leases to core deposits | 129.1758% | 276 |
| Total domestic deposits to total assets | 56.4409% | 7,456 |
| Equity capital to assets | 9.0970% | 5,059 |
| Core capital (leverage) ratio | 8.9588% | 4,678 |
| Tier 1 risk-based capital ratio | 15.0500% | 3,396 |
| Total risk-based capital ratio | 14.5614% | 4,548 |
| Memoranda: | ||
| Average total assets | $522,368,500 | 1,296 |
| Average earning assets | $485,937,000 | 1,268 |
| Average equity | $47,798,000 | 1,398 |
| Average total loans | $323,651,500 | 1,345 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 5,042 |
| Cost of funding earning assets | 1.7650% | 1,321 |
| Net interest margin | 3.1335% | 6,429 |
| Noninterest income to average assets | 0.4519% | 4,500 |
| Noninterest expense to average assets | 2.5327% | 5,674 |
| Loan and lease loss provision to assets | 0.2633% | 4,689 |
| Net operating income to assets | 0.4289% | 4,417 |
| Return on assets (ROA) | 0.5725% | 3,952 |
| Pretax return on assets | 0.7604% | 3,758 |
| Return on Equity (ROE) | 6.1414% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.1414% | 1,749 |
| Net charge-offs to loans | 0.3393% | 4,316 |
| Credit loss provision to net charge-offs | 121.8951% | 3,439 |
| Earnings coverage of net charge-offs (x) | 3.8519% | 3,163 |
| Efficiency ratio | 75.2702% | 3,150 |
| Assets per employee ($millions) | 5.2671% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 4,720 |
| Loan loss allowance to noncurrent loans | 128.0330% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 5,280 |
| Noncurrent loans to loans | 1.0588% | 4,953 |
| Net loans and leases to total assets | 61.2976% | 4,440 |
| Net loans and leases to deposits | 109.8812% | 239 |
| Net loans and leases to core deposits | 129.6440% | 334 |
| Total domestic deposits to total assets | 55.7853% | 7,538 |
| Equity capital to assets | 9.2048% | 4,835 |
| Core capital (leverage) ratio | 9.0372% | 4,477 |
| Tier 1 risk-based capital ratio | 15.3018% | 3,100 |
| Total risk-based capital ratio | 14.7665% | 4,159 |
| Memoranda: | ||
| Average total assets | $503,188,200 | 1,330 |
| Average earning assets | $467,758,800 | 1,314 |
| Average equity | $46,910,800 | 1,424 |
| Average total loans | $320,354,000 | 1,401 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 4,969 |
| Cost of funding earning assets | 1.7894% | 1,460 |
| Net interest margin | 3.1757% | 6,420 |
| Noninterest income to average assets | 0.4219% | 4,785 |
| Noninterest expense to average assets | 2.4546% | 5,869 |
| Loan and lease loss provision to assets | 0.1800% | 5,247 |
| Net operating income to assets | 0.5487% | 4,096 |
| Return on assets (ROA) | 0.6873% | 3,632 |
| Pretax return on assets | 0.9265% | 3,465 |
| Return on Equity (ROE) | 7.3479% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.3479% | 1,671 |
| Net charge-offs to loans | 0.4488% | 3,509 |
| Credit loss provision to net charge-offs | 62.6160% | 5,625 |
| Earnings coverage of net charge-offs (x) | 3.1976% | 3,543 |
| Efficiency ratio | 72.7531% | 3,566 |
| Assets per employee ($millions) | 5.2597% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,800 |
| Loan loss allowance to noncurrent loans | 101.0632% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9762% | 5,132 |
| Noncurrent loans to loans | 1.1201% | 4,998 |
| Net loans and leases to total assets | 62.1800% | 4,490 |
| Net loans and leases to deposits | 112.1749% | 217 |
| Net loans and leases to core deposits | 131.4449% | 359 |
| Total domestic deposits to total assets | 55.4313% | 7,645 |
| Equity capital to assets | 9.3348% | 5,077 |
| Core capital (leverage) ratio | 8.9241% | 4,818 |
| Tier 1 risk-based capital ratio | 14.9650% | 3,265 |
| Total risk-based capital ratio | 14.4364% | 4,418 |
| Memoranda: | ||
| Average total assets | $499,941,000 | 1,354 |
| Average earning assets | $464,721,500 | 1,334 |
| Average equity | $46,760,250 | 1,446 |
| Average total loans | $320,254,500 | 1,419 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 4,892 |
| Cost of funding earning assets | 1.8233% | 1,550 |
| Net interest margin | 3.1883% | 6,359 |
| Noninterest income to average assets | 0.4130% | 4,805 |
| Noninterest expense to average assets | 2.4709% | 5,829 |
| Loan and lease loss provision to assets | 0.1825% | 5,043 |
| Net operating income to assets | 0.5600% | 4,037 |
| Return on assets (ROA) | 0.6483% | 3,787 |
| Pretax return on assets | 0.8328% | 3,766 |
| Return on Equity (ROE) | 6.9260% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.9260% | 1,869 |
| Net charge-offs to loans | 0.4386% | 3,231 |
| Credit loss provision to net charge-offs | 64.5624% | 5,108 |
| Earnings coverage of net charge-offs (x) | 3.1908% | 3,415 |
| Efficiency ratio | 73.2532% | 3,607 |
| Assets per employee ($millions) | 5.1029% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 5,425 |
| Loan loss allowance to noncurrent loans | 100.2335% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 5,026 |
| Noncurrent loans to loans | 1.2030% | 4,954 |
| Net loans and leases to total assets | 62.6495% | 4,547 |
| Net loans and leases to deposits | 111.5981% | 238 |
| Net loans and leases to core deposits | 129.6304% | 426 |
| Total domestic deposits to total assets | 56.1385% | 7,707 |
| Equity capital to assets | 9.4178% | 4,837 |
| Core capital (leverage) ratio | 8.9994% | 4,601 |
| Tier 1 risk-based capital ratio | 14.7609% | 3,285 |
| Total risk-based capital ratio | 14.3105% | 4,343 |
| Memoranda: | ||
| Average total assets | $493,019,330 | 1,384 |
| Average earning assets | $457,741,670 | 1,355 |
| Average equity | $46,144,670 | 1,459 |
| Average total loans | $317,845,330 | 1,441 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0819% | 4,621 |
| Cost of funding earning assets | 1.8758% | 1,549 |
| Net interest margin | 3.2062% | 6,276 |
| Noninterest income to average assets | 0.4042% | 4,888 |
| Noninterest expense to average assets | 2.4430% | 5,939 |
| Loan and lease loss provision to assets | 0.1848% | 4,658 |
| Net operating income to assets | 0.5350% | 4,211 |
| Return on assets (ROA) | 0.6161% | 3,969 |
| Pretax return on assets | 0.8699% | 3,580 |
| Return on Equity (ROE) | 6.6039% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.6039% | 2,318 |
| Net charge-offs to loans | 0.4245% | 2,775 |
| Credit loss provision to net charge-offs | 66.9643% | 4,163 |
| Earnings coverage of net charge-offs (x) | 3.4077% | 2,916 |
| Efficiency ratio | 72.2020% | 3,895 |
| Assets per employee ($millions) | 4.9624% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 5,161 |
| Loan loss allowance to noncurrent loans | 97.8468% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 5,127 |
| Noncurrent loans to loans | 1.2865% | 4,828 |
| Net loans and leases to total assets | 63.8517% | 4,362 |
| Net loans and leases to deposits | 107.9701% | 345 |
| Net loans and leases to core deposits | 127.9462% | 538 |
| Total domestic deposits to total assets | 59.1383% | 7,767 |
| Equity capital to assets | 9.3745% | 4,714 |
| Core capital (leverage) ratio | 9.0741% | 4,430 |
| Tier 1 risk-based capital ratio | 15.1435% | 3,048 |
| Total risk-based capital ratio | 15.0269% | 3,766 |
| Memoranda: | ||
| Average total assets | $486,934,000 | 1,441 |
| Average earning assets | $452,503,500 | 1,400 |
| Average equity | $45,428,000 | 1,481 |
| Average total loans | $316,587,000 | 1,491 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3521% | 4,931 |
| Cost of funding earning assets | 2.1460% | 2,249 |
| Net interest margin | 3.2061% | 6,067 |
| Noninterest income to average assets | 0.4568% | 4,747 |
| Noninterest expense to average assets | 2.4932% | 6,156 |
| Loan and lease loss provision to assets | 0.3352% | 4,794 |
| Net operating income to assets | 0.4288% | 4,010 |
| Return on assets (ROA) | 0.5465% | 3,630 |
| Pretax return on assets | 0.7742% | 3,325 |
| Return on Equity (ROE) | 6.1355% | 3,159 |
| Retained earnings to average equity (ytd only) | 6.1355% | 1,306 |
| Net charge-offs to loans | 0.2810% | 4,875 |
| Credit loss provision to net charge-offs | 181.8182% | 2,269 |
| Earnings coverage of net charge-offs (x) | 5.1182% | 2,682 |
| Efficiency ratio | 72.5416% | 4,178 |
| Assets per employee ($millions) | 4.9243% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,745 |
| Loan loss allowance to noncurrent loans | 112.2338% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 5,348 |
| Noncurrent loans to loans | 1.1608% | 5,006 |
| Net loans and leases to total assets | 64.5218% | 4,493 |
| Net loans and leases to deposits | 108.0511% | 457 |
| Net loans and leases to core deposits | 134.5384% | 1,024 |
| Total domestic deposits to total assets | 59.7141% | 7,807 |
| Equity capital to assets | 9.2835% | 4,716 |
| Core capital (leverage) ratio | 9.0727% | 4,300 |
| Tier 1 risk-based capital ratio | 15.0085% | 2,934 |
| Total risk-based capital ratio | 15.2263% | 3,468 |
| Memoranda: | ||
| Average total assets | $477,262,200 | 1,452 |
| Average earning assets | $443,623,400 | 1,419 |
| Average equity | $42,506,800 | 1,572 |
| Average total loans | $313,183,800 | 1,529 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3992% | 4,954 |
| Cost of funding earning assets | 2.2095% | 2,365 |
| Net interest margin | 3.1897% | 6,059 |
| Noninterest income to average assets | 0.4617% | 4,809 |
| Noninterest expense to average assets | 2.4748% | 6,158 |
| Loan and lease loss provision to assets | 0.3222% | 4,409 |
| Net operating income to assets | 0.4467% | 4,209 |
| Return on assets (ROA) | 0.5939% | 3,686 |
| Pretax return on assets | 0.8374% | 3,418 |
| Return on Equity (ROE) | 6.7407% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.7407% | 1,612 |
| Net charge-offs to loans | 0.3523% | 3,881 |
| Credit loss provision to net charge-offs | 139.2252% | 3,545 |
| Earnings coverage of net charge-offs (x) | 4.1150% | 3,256 |
| Efficiency ratio | 72.2145% | 4,208 |
| Assets per employee ($millions) | 4.7940% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,315 |
| Loan loss allowance to noncurrent loans | 131.9361% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 5,714 |
| Noncurrent loans to loans | 0.8843% | 5,520 |
| Net loans and leases to total assets | 65.6256% | 4,501 |
| Net loans and leases to deposits | 113.9347% | 331 |
| Net loans and leases to core deposits | 139.0926% | 963 |
| Total domestic deposits to total assets | 57.5993% | 7,907 |
| Equity capital to assets | 9.3267% | 4,992 |
| Core capital (leverage) ratio | 9.0389% | 4,591 |
| Tier 1 risk-based capital ratio | 14.8756% | 3,104 |
| Total risk-based capital ratio | 15.1009% | 3,580 |
| Memoranda: | ||
| Average total assets | $475,931,250 | 1,470 |
| Average earning assets | $442,449,250 | 1,439 |
| Average equity | $41,933,250 | 1,607 |
| Average total loans | $312,609,000 | 1,553 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4496% | 4,899 |
| Cost of funding earning assets | 2.2533% | 2,560 |
| Net interest margin | 3.1962% | 5,929 |
| Noninterest income to average assets | 0.4432% | 4,908 |
| Noninterest expense to average assets | 2.5010% | 6,122 |
| Loan and lease loss provision to assets | 0.3581% | 3,778 |
| Net operating income to assets | 0.3920% | 4,545 |
| Return on assets (ROA) | 0.5586% | 3,956 |
| Pretax return on assets | 0.7861% | 3,717 |
| Return on Equity (ROE) | 6.4672% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.4672% | 1,812 |
| Net charge-offs to loans | 0.0560% | 5,706 |
| Credit loss provision to net charge-offs | 977.0115% | 503 |
| Earnings coverage of net charge-offs (x) | 24.8161% | 1,142 |
| Efficiency ratio | 73.3325% | 4,135 |
| Assets per employee ($millions) | 4.8179% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,224 |
| Loan loss allowance to noncurrent loans | 195.3434% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 6,019 |
| Noncurrent loans to loans | 0.6697% | 5,909 |
| Net loans and leases to total assets | 65.0255% | 4,760 |
| Net loans and leases to deposits | 113.5551% | 418 |
| Net loans and leases to core deposits | 139.6910% | 1,025 |
| Total domestic deposits to total assets | 57.2634% | 7,992 |
| Equity capital to assets | 8.6322% | 5,846 |
| Core capital (leverage) ratio | 8.7686% | 4,980 |
| Tier 1 risk-based capital ratio | 14.5768% | 3,206 |
| Total risk-based capital ratio | 14.7450% | 3,749 |
| Memoranda: | ||
| Average total assets | $474,775,670 | 1,499 |
| Average earning assets | $440,770,000 | 1,465 |
| Average equity | $41,007,000 | 1,655 |
| Average total loans | $310,704,670 | 1,595 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5273% | 4,771 |
| Cost of funding earning assets | 2.2534% | 2,907 |
| Net interest margin | 3.2739% | 5,602 |
| Noninterest income to average assets | 0.4337% | 4,929 |
| Noninterest expense to average assets | 2.7780% | 4,663 |
| Loan and lease loss provision to assets | 0.2546% | 3,928 |
| Net operating income to assets | 0.3041% | 5,282 |
| Return on assets (ROA) | 0.6671% | 3,898 |
| Pretax return on assets | 0.9557% | 3,514 |
| Return on Equity (ROE) | 7.7218% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.7218% | 1,916 |
| Net charge-offs to loans | 0.1067% | 4,116 |
| Credit loss provision to net charge-offs | 365.8537% | 1,394 |
| Earnings coverage of net charge-offs (x) | 9.9390% | 1,999 |
| Efficiency ratio | 80.0636% | 2,814 |
| Assets per employee ($millions) | 4.8541% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 5,135 |
| Loan loss allowance to noncurrent loans | 136.2023% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 5,484 |
| Noncurrent loans to loans | 0.8430% | 5,334 |
| Net loans and leases to total assets | 64.6417% | 4,875 |
| Net loans and leases to deposits | 111.8772% | 528 |
| Net loans and leases to core deposits | 131.4293% | 1,573 |
| Total domestic deposits to total assets | 57.7792% | 8,011 |
| Equity capital to assets | 8.4628% | 6,132 |
| Core capital (leverage) ratio | 8.5832% | 5,373 |
| Tier 1 risk-based capital ratio | 14.3879% | 3,370 |
| Total risk-based capital ratio | 14.4924% | 3,947 |
| Memoranda: | ||
| Average total assets | $471,269,500 | 1,522 |
| Average earning assets | $437,031,500 | 1,487 |
| Average equity | $40,716,000 | 1,668 |
| Average total loans | $307,338,000 | 1,628 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7139% | 6,736 |
| Cost of funding earning assets | 2.7103% | 3,113 |
| Net interest margin | 3.0036% | 6,906 |
| Noninterest income to average assets | 0.4892% | 4,697 |
| Noninterest expense to average assets | 2.3761% | 6,487 |
| Loan and lease loss provision to assets | 0.5146% | 2,747 |
| Net operating income to assets | 0.3205% | 5,476 |
| Return on assets (ROA) | 0.3858% | 5,022 |
| Pretax return on assets | 0.4815% | 5,028 |
| Return on Equity (ROE) | 4.2935% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.2935% | 2,443 |
| Net charge-offs to loans | -0.0035% | 7,769 |
| Credit loss provision to net charge-offs | -22,860.0000% | 7,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2104% | 3,896 |
| Assets per employee ($millions) | 4.6665% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,075 |
| Loan loss allowance to noncurrent loans | 189.7034% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 5,549 |
| Noncurrent loans to loans | 0.5948% | 5,589 |
| Net loans and leases to total assets | 64.2964% | 5,210 |
| Net loans and leases to deposits | 114.4473% | 594 |
| Net loans and leases to core deposits | 148.9413% | 889 |
| Total domestic deposits to total assets | 56.1799% | 8,055 |
| Equity capital to assets | 8.8236% | 5,614 |
| Core capital (leverage) ratio | 8.8897% | 4,908 |
| Tier 1 risk-based capital ratio | 15.7612% | 2,756 |
| Total risk-based capital ratio | 16.0715% | 3,054 |
| Memoranda: | ||
| Average total assets | $444,218,200 | 1,546 |
| Average earning assets | $414,309,000 | 1,512 |
| Average equity | $39,920,800 | 1,688 |
| Average total loans | $283,685,800 | 1,701 |