| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1874% | 1,128 |
| Cost of funding earning assets | 0.3069% | 2,530 |
| Net interest margin | 3.8806% | 976 |
| Noninterest income to average assets | 1.8529% | 384 |
| Noninterest expense to average assets | 3.2862% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2513% | 292 |
| Return on assets (ROA) | 2.3033% | 287 |
| Pretax return on assets | 2.3057% | 459 |
| Return on Equity (ROE) | 20.0863% | 421 |
| Retained earnings to average equity (ytd only) | 5.1662% | 3,156 |
| Net charge-offs to loans | -0.0323% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3186% | 3,086 |
| Assets per employee ($millions) | 5.4903% | 3,212 |
| Cash dividends to net income (ytd only)* | 74.2797% | 503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5642% | 1,428 |
| Loan loss allowance to noncurrent loans | 241.8402% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 1,867 |
| Noncurrent loans to loans | 0.6468% | 1,691 |
| Net loans and leases to total assets | 59.8175% | 2,285 |
| Net loans and leases to deposits | 71.8033% | 2,069 |
| Net loans and leases to core deposits | 74.1170% | 2,229 |
| Total domestic deposits to total assets | 83.3075% | 3,631 |
| Equity capital to assets | 11.9654% | 1,421 |
| Core capital (leverage) ratio | 10.8984% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0177% | 1,606 |
| Memoranda: |
| Average total assets | $387,788,500 | 2,053 |
| Average earning assets | $368,457,750 | 2,029 |
| Average equity | $44,467,000 | 1,965 |
| Average total loans | $243,745,750 | 1,995 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3355% | 943 |
| Cost of funding earning assets | 0.3257% | 2,535 |
| Net interest margin | 4.0098% | 802 |
| Noninterest income to average assets | 2.1107% | 306 |
| Noninterest expense to average assets | 3.3892% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.5314% | 209 |
| Return on assets (ROA) | 2.6087% | 205 |
| Pretax return on assets | 2.6107% | 302 |
| Return on Equity (ROE) | 23.0740% | 261 |
| Retained earnings to average equity (ytd only) | 6.0571% | 2,777 |
| Net charge-offs to loans | -0.0459% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2243% | 3,374 |
| Assets per employee ($millions) | 5.3363% | 3,302 |
| Cash dividends to net income (ytd only)* | 73.7493% | 605 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4952% | 1,604 |
| Loan loss allowance to noncurrent loans | 181.7172% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 1,613 |
| Noncurrent loans to loans | 0.8228% | 1,493 |
| Net loans and leases to total assets | 61.6950% | 2,211 |
| Net loans and leases to deposits | 75.9238% | 1,828 |
| Net loans and leases to core deposits | 78.8859% | 1,965 |
| Total domestic deposits to total assets | 81.2591% | 4,052 |
| Equity capital to assets | 11.7617% | 1,482 |
| Core capital (leverage) ratio | 10.6646% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7890% | 1,695 |
| Memoranda: |
| Average total assets | $390,773,333 | 2,034 |
| Average earning assets | $371,494,000 | 2,013 |
| Average equity | $44,179,667 | 1,963 |
| Average total loans | $248,257,667 | 1,975 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6185% | 639 |
| Cost of funding earning assets | 0.3444% | 2,571 |
| Net interest margin | 4.2741% | 541 |
| Noninterest income to average assets | 2.4129% | 280 |
| Noninterest expense to average assets | 3.5833% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.8961% | 165 |
| Return on assets (ROA) | 2.8961% | 185 |
| Pretax return on assets | 2.8981% | 260 |
| Return on Equity (ROE) | 26.1297% | 227 |
| Retained earnings to average equity (ytd only) | 0.4854% | 4,309 |
| Net charge-offs to loans | -0.0825% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2858% | 3,635 |
| Assets per employee ($millions) | 5.7530% | 2,849 |
| Cash dividends to net income (ytd only)* | 98.1423% | 433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4636% | 1,729 |
| Loan loss allowance to noncurrent loans | 189.6570% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 1,975 |
| Noncurrent loans to loans | 0.7717% | 1,696 |
| Net loans and leases to total assets | 60.0821% | 2,535 |
| Net loans and leases to deposits | 73.8679% | 2,131 |
| Net loans and leases to core deposits | 77.2863% | 2,234 |
| Total domestic deposits to total assets | 81.3373% | 4,008 |
| Equity capital to assets | 10.5505% | 2,216 |
| Core capital (leverage) ratio | 10.5593% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4284% | 2,110 |
| Memoranda: |
| Average total assets | $394,053,000 | 2,015 |
| Average earning assets | $375,099,500 | 1,982 |
| Average equity | $43,674,500 | 1,958 |
| Average total loans | $252,067,000 | 1,949 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5826% | 1,128 |
| Cost of funding earning assets | 0.6291% | 2,125 |
| Net interest margin | 3.9535% | 1,081 |
| Noninterest income to average assets | 2.7470% | 223 |
| Noninterest expense to average assets | 3.8575% | 431 |
| Loan and lease loss provision to assets | 0.3627% | 924 |
| Net operating income to assets | 2.2694% | 171 |
| Return on assets (ROA) | 2.3976% | 161 |
| Pretax return on assets | 2.3990% | 216 |
| Return on Equity (ROE) | 20.7492% | 201 |
| Retained earnings to average equity (ytd only) | 6.5830% | 1,555 |
| Net charge-offs to loans | 0.0541% | 2,014 |
| Credit loss provision to net charge-offs | 950.7353% | 808 |
| Earnings coverage of net charge-offs (x) | 69.0368% | 986 |
| Efficiency ratio | 59.4287% | 3,532 |
| Assets per employee ($millions) | 5.5056% | 2,841 |
| Cash dividends to net income (ytd only)* | 68.2733% | 1,022 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3698% | 2,106 |
| Loan loss allowance to noncurrent loans | 239.1627% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 2,339 |
| Noncurrent loans to loans | 0.5727% | 2,265 |
| Net loans and leases to total assets | 66.1764% | 2,081 |
| Net loans and leases to deposits | 84.1366% | 1,442 |
| Net loans and leases to core deposits | 88.6097% | 1,633 |
| Total domestic deposits to total assets | 78.6535% | 4,243 |
| Equity capital to assets | 11.6403% | 1,778 |
| Core capital (leverage) ratio | 10.8787% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3721% | 2,095 |
| Memoranda: |
| Average total assets | $356,529,200 | 2,018 |
| Average earning assets | $337,622,000 | 1,993 |
| Average equity | $41,196,800 | 1,983 |
| Average total loans | $251,551,400 | 1,911 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7193% | 1,019 |
| Cost of funding earning assets | 0.6974% | 2,034 |
| Net interest margin | 4.0219% | 1,063 |
| Noninterest income to average assets | 2.4837% | 242 |
| Noninterest expense to average assets | 3.8570% | 431 |
| Loan and lease loss provision to assets | 0.4935% | 601 |
| Net operating income to assets | 1.9352% | 340 |
| Return on assets (ROA) | 2.1096% | 252 |
| Pretax return on assets | 2.1111% | 401 |
| Return on Equity (ROE) | 18.2945% | 339 |
| Retained earnings to average equity (ytd only) | 5.7727% | 2,192 |
| Net charge-offs to loans | 0.0897% | 1,408 |
| Credit loss provision to net charge-offs | 769.6429% | 1,008 |
| Earnings coverage of net charge-offs (x) | 37.8988% | 1,406 |
| Efficiency ratio | 61.3465% | 3,173 |
| Assets per employee ($millions) | 5.3826% | 2,810 |
| Cash dividends to net income (ytd only)* | 68.4458% | 870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3302% | 2,034 |
| Loan loss allowance to noncurrent loans | 222.0114% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 2,358 |
| Noncurrent loans to loans | 0.5992% | 2,306 |
| Net loans and leases to total assets | 70.1024% | 1,935 |
| Net loans and leases to deposits | 91.1034% | 1,146 |
| Net loans and leases to core deposits | 95.8831% | 1,466 |
| Total domestic deposits to total assets | 76.9482% | 4,329 |
| Equity capital to assets | 11.6692% | 1,897 |
| Core capital (leverage) ratio | 10.9737% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1347% | 2,138 |
| Memoranda: |
| Average total assets | $349,313,000 | 2,034 |
| Average earning assets | $330,349,000 | 2,007 |
| Average equity | $40,280,750 | 2,003 |
| Average total loans | $249,793,750 | 1,921 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0001% | 822 |
| Cost of funding earning assets | 0.7836% | 1,911 |
| Net interest margin | 4.2165% | 890 |
| Noninterest income to average assets | 2.2413% | 259 |
| Noninterest expense to average assets | 3.7865% | 511 |
| Loan and lease loss provision to assets | 0.6685% | 430 |
| Net operating income to assets | 1.7657% | 543 |
| Return on assets (ROA) | 2.0330% | 345 |
| Pretax return on assets | 2.0348% | 509 |
| Return on Equity (ROE) | 17.7070% | 396 |
| Retained earnings to average equity (ytd only) | -1.5384% | 4,543 |
| Net charge-offs to loans | 0.1599% | 925 |
| Credit loss provision to net charge-offs | 583.1633% | 1,125 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,658 |
| Efficiency ratio | 60.8516% | 3,297 |
| Assets per employee ($millions) | 5.4840% | 2,655 |
| Cash dividends to net income (ytd only)* | 108.6881% | 401 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2867% | 2,069 |
| Loan loss allowance to noncurrent loans | 198.4515% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 2,375 |
| Noncurrent loans to loans | 0.6484% | 2,243 |
| Net loans and leases to total assets | 69.5709% | 2,099 |
| Net loans and leases to deposits | 89.0264% | 1,447 |
| Net loans and leases to core deposits | 95.3469% | 1,627 |
| Total domestic deposits to total assets | 78.1464% | 4,173 |
| Equity capital to assets | 11.0402% | 2,308 |
| Core capital (leverage) ratio | 10.6161% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6339% | 2,345 |
| Memoranda: |
| Average total assets | $341,951,333 | 2,036 |
| Average earning assets | $322,870,667 | 2,006 |
| Average equity | $39,261,333 | 2,025 |
| Average total loans | $245,102,000 | 1,935 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6769% | 1,788 |
| Cost of funding earning assets | 0.8720% | 2,003 |
| Net interest margin | 3.8049% | 1,951 |
| Noninterest income to average assets | 1.6488% | 331 |
| Noninterest expense to average assets | 3.6548% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5820% | 645 |
| Return on assets (ROA) | 2.1372% | 229 |
| Pretax return on assets | 2.1384% | 344 |
| Return on Equity (ROE) | 18.2235% | 252 |
| Retained earnings to average equity (ytd only) | -6.6409% | 4,623 |
| Net charge-offs to loans | -0.0084% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7750% | 2,391 |
| Assets per employee ($millions) | 4.9022% | 2,747 |
| Cash dividends to net income (ytd only)* | 136.4412% | 515 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9830% | 3,794 |
| Loan loss allowance to noncurrent loans | 66.5182% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 1,167 |
| Noncurrent loans to loans | 1.4778% | 1,083 |
| Net loans and leases to total assets | 72.2198% | 1,886 |
| Net loans and leases to deposits | 91.0612% | 1,399 |
| Net loans and leases to core deposits | 99.0052% | 1,552 |
| Total domestic deposits to total assets | 79.3091% | 3,991 |
| Equity capital to assets | 11.5069% | 2,433 |
| Core capital (leverage) ratio | 11.0442% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2766% | 1,818 |
| Memoranda: |
| Average total assets | $329,211,500 | 2,046 |
| Average earning assets | $310,548,500 | 2,022 |
| Average equity | $38,609,500 | 2,038 |
| Average total loans | $238,174,500 | 1,938 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8056% | 2,029 |
| Cost of funding earning assets | 0.8845% | 2,263 |
| Net interest margin | 3.9212% | 2,104 |
| Noninterest income to average assets | 1.0240% | 922 |
| Noninterest expense to average assets | 3.3132% | 1,272 |
| Loan and lease loss provision to assets | -0.3389% | 5,150 |
| Net operating income to assets | 1.7335% | 615 |
| Return on assets (ROA) | 1.7407% | 644 |
| Pretax return on assets | 1.7423% | 1,084 |
| Return on Equity (ROE) | 15.2398% | 643 |
| Retained earnings to average equity (ytd only) | 5.5388% | 2,138 |
| Net charge-offs to loans | -0.1754% | 5,043 |
| Credit loss provision to net charge-offs | 266.0099% | 1,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3538% | 2,121 |
| Assets per employee ($millions) | 4.7805% | 2,860 |
| Cash dividends to net income (ytd only)* | 63.6560% | 1,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0227% | 3,365 |
| Loan loss allowance to noncurrent loans | 123.4472% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 1,260 |
| Noncurrent loans to loans | 0.8284% | 1,852 |
| Net loans and leases to total assets | 71.0084% | 2,248 |
| Net loans and leases to deposits | 90.4272% | 1,540 |
| Net loans and leases to core deposits | 97.9588% | 1,730 |
| Total domestic deposits to total assets | 78.5255% | 4,276 |
| Equity capital to assets | 11.9545% | 2,161 |
| Core capital (leverage) ratio | 11.4393% | 2,154 |
| Tier 1 risk-based capital ratio | 14.8394% | 2,849 |
| Total risk-based capital ratio | 15.8108% | 2,892 |
| Memoranda: |
| Average total assets | $318,665,400 | 2,051 |
| Average earning assets | $299,503,200 | 2,030 |
| Average equity | $36,398,000 | 2,078 |
| Average total loans | $231,472,800 | 1,948 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7843% | 2,167 |
| Cost of funding earning assets | 0.8861% | 2,291 |
| Net interest margin | 3.8982% | 2,262 |
| Noninterest income to average assets | 0.9239% | 1,095 |
| Noninterest expense to average assets | 3.2973% | 1,274 |
| Loan and lease loss provision to assets | -0.4605% | 5,243 |
| Net operating income to assets | 1.7481% | 680 |
| Return on assets (ROA) | 1.7578% | 704 |
| Pretax return on assets | 1.7594% | 1,183 |
| Return on Equity (ROE) | 15.5753% | 674 |
| Retained earnings to average equity (ytd only) | 4.7695% | 3,012 |
| Net charge-offs to loans | -0.2551% | 5,138 |
| Credit loss provision to net charge-offs | 247.7376% | 1,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8896% | 1,853 |
| Assets per employee ($millions) | 4.8081% | 2,780 |
| Cash dividends to net income (ytd only)* | 69.3780% | 975 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0302% | 3,399 |
| Loan loss allowance to noncurrent loans | 114.2993% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 780 |
| Noncurrent loans to loans | 0.9014% | 1,774 |
| Net loans and leases to total assets | 71.7476% | 2,211 |
| Net loans and leases to deposits | 89.0706% | 1,801 |
| Net loans and leases to core deposits | 97.2254% | 1,887 |
| Total domestic deposits to total assets | 80.5514% | 3,859 |
| Equity capital to assets | 11.9722% | 2,280 |
| Core capital (leverage) ratio | 11.2531% | 2,424 |
| Tier 1 risk-based capital ratio | 14.9211% | 2,889 |
| Total risk-based capital ratio | 15.9267% | 2,924 |
| Memoranda: |
| Average total assets | $317,063,250 | 2,067 |
| Average earning assets | $297,910,250 | 2,051 |
| Average equity | $35,782,250 | 2,117 |
| Average total loans | $231,037,250 | 1,962 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8202% | 1,997 |
| Cost of funding earning assets | 0.8708% | 2,295 |
| Net interest margin | 3.9494% | 2,095 |
| Noninterest income to average assets | 0.8175% | 1,292 |
| Noninterest expense to average assets | 3.2159% | 1,473 |
| Loan and lease loss provision to assets | -0.2987% | 5,273 |
| Net operating income to assets | 1.6114% | 880 |
| Return on assets (ROA) | 1.6057% | 936 |
| Pretax return on assets | 1.6076% | 1,525 |
| Return on Equity (ROE) | 14.5293% | 871 |
| Retained earnings to average equity (ytd only) | -0.5681% | 4,774 |
| Net charge-offs to loans | -0.3753% | 5,204 |
| Credit loss provision to net charge-offs | 109.0278% | 1,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9826% | 2,073 |
| Assets per employee ($millions) | 4.5783% | 3,028 |
| Cash dividends to net income (ytd only)* | 103.9100% | 373 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2907% | 2,056 |
| Loan loss allowance to noncurrent loans | 112.6025% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2057% | 1,094 |
| Noncurrent loans to loans | 1.1463% | 1,413 |
| Net loans and leases to total assets | 72.0653% | 2,211 |
| Net loans and leases to deposits | 93.5464% | 1,303 |
| Net loans and leases to core deposits | 102.2635% | 1,532 |
| Total domestic deposits to total assets | 77.0369% | 4,552 |
| Equity capital to assets | 11.3315% | 2,759 |
| Core capital (leverage) ratio | 10.8638% | 2,727 |
| Tier 1 risk-based capital ratio | 13.6025% | 3,528 |
| Total risk-based capital ratio | 14.7994% | 3,454 |
| Memoranda: |
| Average total assets | $315,369,000 | 2,080 |
| Average earning assets | $296,504,330 | 2,057 |
| Average equity | $34,853,670 | 2,145 |
| Average total loans | $230,203,670 | 1,973 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8776% | 1,664 |
| Cost of funding earning assets | 0.8220% | 2,414 |
| Net interest margin | 4.0556% | 1,671 |
| Noninterest income to average assets | 0.7839% | 1,326 |
| Noninterest expense to average assets | 3.2339% | 1,419 |
| Loan and lease loss provision to assets | -0.6215% | 5,347 |
| Net operating income to assets | 1.9871% | 395 |
| Return on assets (ROA) | 1.9756% | 420 |
| Pretax return on assets | 1.9769% | 666 |
| Return on Equity (ROE) | 18.1110% | 389 |
| Retained earnings to average equity (ytd only) | -6.4238% | 4,989 |
| Net charge-offs to loans | -0.7463% | 5,292 |
| Credit loss provision to net charge-offs | 114.0845% | 1,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2890% | 2,292 |
| Assets per employee ($millions) | 4.6018% | 3,038 |
| Cash dividends to net income (ytd only)* | 135.4693% | 389 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2979% | 2,102 |
| Loan loss allowance to noncurrent loans | 180.4452% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8957% | 1,572 |
| Noncurrent loans to loans | 0.7193% | 2,222 |
| Net loans and leases to total assets | 71.8280% | 2,196 |
| Net loans and leases to deposits | 90.4136% | 1,579 |
| Net loans and leases to core deposits | 98.5648% | 1,739 |
| Total domestic deposits to total assets | 79.4438% | 4,259 |
| Equity capital to assets | 10.9066% | 2,944 |
| Core capital (leverage) ratio | 10.8425% | 2,723 |
| Tier 1 risk-based capital ratio | 13.3329% | 3,701 |
| Total risk-based capital ratio | 14.5135% | 3,637 |
| Memoranda: |
| Average total assets | $312,814,000 | 2,108 |
| Average earning assets | $294,409,000 | 2,083 |
| Average equity | $34,123,000 | 2,184 |
| Average total loans | $228,318,500 | 2,004 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7536% | 1,668 |
| Cost of funding earning assets | 0.6881% | 2,156 |
| Net interest margin | 4.0655% | 1,783 |
| Noninterest income to average assets | 1.0504% | 857 |
| Noninterest expense to average assets | 3.2547% | 1,425 |
| Loan and lease loss provision to assets | 0.0196% | 3,771 |
| Net operating income to assets | 1.6058% | 856 |
| Return on assets (ROA) | 1.5699% | 942 |
| Pretax return on assets | 1.5715% | 1,549 |
| Return on Equity (ROE) | 15.0024% | 828 |
| Retained earnings to average equity (ytd only) | 6.5901% | 1,873 |
| Net charge-offs to loans | -0.0645% | 5,043 |
| Credit loss provision to net charge-offs | -41.0959% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6711% | 2,751 |
| Assets per employee ($millions) | 4.4653% | 3,219 |
| Cash dividends to net income (ytd only)* | 56.0732% | 1,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3561% | 1,808 |
| Loan loss allowance to noncurrent loans | 127.8846% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.1600% | 1,135 |
| Noncurrent loans to loans | 1.0604% | 1,541 |
| Net loans and leases to total assets | 72.2185% | 2,221 |
| Net loans and leases to deposits | 88.9648% | 1,932 |
| Net loans and leases to core deposits | 95.2684% | 2,111 |
| Total domestic deposits to total assets | 81.1765% | 3,849 |
| Equity capital to assets | 10.9103% | 2,781 |
| Core capital (leverage) ratio | 11.3487% | 2,222 |
| Tier 1 risk-based capital ratio | 14.9908% | 2,834 |
| Total risk-based capital ratio | 16.2417% | 2,762 |
| Memoranda: |
| Average total assets | $306,261,400 | 2,113 |
| Average earning assets | $288,625,600 | 2,082 |
| Average equity | $32,048,200 | 2,214 |
| Average total loans | $226,452,400 | 1,978 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6530% | 1,819 |
| Cost of funding earning assets | 0.6787% | 1,981 |
| Net interest margin | 3.9744% | 2,032 |
| Noninterest income to average assets | 1.0756% | 818 |
| Noninterest expense to average assets | 3.2687% | 1,371 |
| Loan and lease loss provision to assets | 0.0262% | 3,490 |
| Net operating income to assets | 1.5247% | 1,135 |
| Return on assets (ROA) | 1.5387% | 1,096 |
| Pretax return on assets | 1.5404% | 1,765 |
| Return on Equity (ROE) | 14.8634% | 901 |
| Retained earnings to average equity (ytd only) | 3.9759% | 3,786 |
| Net charge-offs to loans | -0.0206% | 4,635 |
| Credit loss provision to net charge-offs | -171.4286% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7971% | 2,575 |
| Assets per employee ($millions) | 4.6546% | 2,907 |
| Cash dividends to net income (ytd only)* | 73.2501% | 749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3191% | 2,001 |
| Loan loss allowance to noncurrent loans | 111.3293% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 1,042 |
| Noncurrent loans to loans | 1.1849% | 1,429 |
| Net loans and leases to total assets | 72.8909% | 2,186 |
| Net loans and leases to deposits | 86.9592% | 2,266 |
| Net loans and leases to core deposits | 93.7150% | 2,317 |
| Total domestic deposits to total assets | 83.8219% | 3,005 |
| Equity capital to assets | 10.4984% | 3,145 |
| Core capital (leverage) ratio | 10.9455% | 2,631 |
| Tier 1 risk-based capital ratio | 14.4749% | 3,139 |
| Total risk-based capital ratio | 15.7252% | 3,057 |
| Memoranda: |
| Average total assets | $305,800,750 | 2,125 |
| Average earning assets | $288,205,750 | 2,098 |
| Average equity | $31,656,500 | 2,242 |
| Average total loans | $226,673,750 | 1,980 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5783% | 1,848 |
| Cost of funding earning assets | 0.6648% | 1,842 |
| Net interest margin | 3.9135% | 2,161 |
| Noninterest income to average assets | 1.1125% | 772 |
| Noninterest expense to average assets | 3.2462% | 1,442 |
| Loan and lease loss provision to assets | 0.0391% | 3,123 |
| Net operating income to assets | 1.5159% | 1,115 |
| Return on assets (ROA) | 1.5159% | 1,114 |
| Pretax return on assets | 1.5178% | 1,751 |
| Return on Equity (ROE) | 14.7117% | 913 |
| Retained earnings to average equity (ytd only) | 0.7084% | 4,821 |
| Net charge-offs to loans | -0.0123% | 4,383 |
| Credit loss provision to net charge-offs | -428.5714% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5848% | 2,710 |
| Assets per employee ($millions) | 4.6635% | 2,868 |
| Cash dividends to net income (ytd only)* | 95.1849% | 447 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2959% | 2,186 |
| Loan loss allowance to noncurrent loans | 68.5728% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8094% | 642 |
| Noncurrent loans to loans | 1.8898% | 818 |
| Net loans and leases to total assets | 72.4078% | 2,212 |
| Net loans and leases to deposits | 89.6019% | 1,897 |
| Net loans and leases to core deposits | 100.1915% | 1,720 |
| Total domestic deposits to total assets | 80.8106% | 4,053 |
| Equity capital to assets | 10.2317% | 3,410 |
| Core capital (leverage) ratio | 10.5354% | 2,997 |
| Tier 1 risk-based capital ratio | 14.2554% | 3,230 |
| Total risk-based capital ratio | 15.5055% | 3,149 |
| Memoranda: |
| Average total assets | $306,884,000 | 2,132 |
| Average earning assets | $289,408,330 | 2,103 |
| Average equity | $31,621,000 | 2,245 |
| Average total loans | $227,738,330 | 1,967 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4994% | 1,864 |
| Cost of funding earning assets | 0.6179% | 1,928 |
| Net interest margin | 3.8815% | 2,115 |
| Noninterest income to average assets | 0.9777% | 960 |
| Noninterest expense to average assets | 3.2621% | 1,425 |
| Loan and lease loss provision to assets | 0.0783% | 2,207 |
| Net operating income to assets | 1.3014% | 1,636 |
| Return on assets (ROA) | 1.3014% | 1,641 |
| Pretax return on assets | 1.3027% | 2,357 |
| Return on Equity (ROE) | 12.5862% | 1,382 |
| Retained earnings to average equity (ytd only) | -5.9712% | 5,251 |
| Net charge-offs to loans | -0.0227% | 4,621 |
| Credit loss provision to net charge-offs | -461.5385% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2558% | 2,447 |
| Assets per employee ($millions) | 4.6044% | 2,994 |
| Cash dividends to net income (ytd only)* | 147.4423% | 320 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2884% | 2,300 |
| Loan loss allowance to noncurrent loans | 45.3011% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.5916% | 346 |
| Noncurrent loans to loans | 2.8442% | 437 |
| Net loans and leases to total assets | 72.6652% | 2,064 |
| Net loans and leases to deposits | 88.2052% | 1,905 |
| Net loans and leases to core deposits | 99.3542% | 1,735 |
| Total domestic deposits to total assets | 82.3820% | 3,848 |
| Equity capital to assets | 10.0264% | 3,569 |
| Core capital (leverage) ratio | 10.4461% | 3,012 |
| Tier 1 risk-based capital ratio | 13.4185% | 3,709 |
| Total risk-based capital ratio | 14.6518% | 3,633 |
| Memoranda: |
| Average total assets | $306,431,000 | 2,154 |
| Average earning assets | $289,373,000 | 2,121 |
| Average equity | $31,685,500 | 2,261 |
| Average total loans | $228,712,500 | 1,975 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4889% | 1,741 |
| Cost of funding earning assets | 0.5648% | 1,856 |
| Net interest margin | 3.9241% | 2,016 |
| Noninterest income to average assets | 0.9966% | 1,024 |
| Noninterest expense to average assets | 3.2603% | 1,460 |
| Loan and lease loss provision to assets | -0.0698% | 5,430 |
| Net operating income to assets | 1.5080% | 786 |
| Return on assets (ROA) | 1.4411% | 940 |
| Pretax return on assets | 1.4428% | 1,844 |
| Return on Equity (ROE) | 13.1266% | 924 |
| Retained earnings to average equity (ytd only) | -13.7623% | 5,583 |
| Net charge-offs to loans | 0.0081% | 3,793 |
| Credit loss provision to net charge-offs | -1,177.7778% | 5,096 |
| Earnings coverage of net charge-offs (x) | 242.9444% | 345 |
| Efficiency ratio | 69.3660% | 2,643 |
| Assets per employee ($millions) | 4.1130% | 3,792 |
| Cash dividends to net income (ytd only)* | 204.8435% | 94 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2387% | 2,544 |
| Loan loss allowance to noncurrent loans | 133.8808% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 1,221 |
| Noncurrent loans to loans | 0.9252% | 1,930 |
| Net loans and leases to total assets | 74.7379% | 1,801 |
| Net loans and leases to deposits | 92.4128% | 1,465 |
| Net loans and leases to core deposits | 103.5941% | 1,439 |
| Total domestic deposits to total assets | 80.8740% | 4,149 |
| Equity capital to assets | 10.6583% | 2,985 |
| Core capital (leverage) ratio | 10.6141% | 2,724 |
| Tier 1 risk-based capital ratio | 13.4049% | 3,685 |
| Total risk-based capital ratio | 14.5887% | 3,630 |
| Memoranda: |
| Average total assets | $303,718,200 | 2,147 |
| Average earning assets | $286,637,800 | 2,120 |
| Average equity | $33,344,600 | 2,158 |
| Average total loans | $222,451,400 | 1,986 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4582% | 1,763 |
| Cost of funding earning assets | 0.5487% | 1,903 |
| Net interest margin | 3.9095% | 2,010 |
| Noninterest income to average assets | 1.0067% | 1,008 |
| Noninterest expense to average assets | 3.2639% | 1,429 |
| Loan and lease loss provision to assets | 0.0395% | 3,317 |
| Net operating income to assets | 1.3915% | 1,105 |
| Return on assets (ROA) | 1.3699% | 1,175 |
| Pretax return on assets | 1.3717% | 2,211 |
| Return on Equity (ROE) | 12.3875% | 1,220 |
| Retained earnings to average equity (ytd only) | -22.8407% | 5,689 |
| Net charge-offs to loans | -0.0139% | 4,741 |
| Credit loss provision to net charge-offs | -391.3043% | 4,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4941% | 2,622 |
| Assets per employee ($millions) | 4.5369% | 3,081 |
| Cash dividends to net income (ytd only)* | 284.3862% | 41 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4423% | 1,729 |
| Loan loss allowance to noncurrent loans | 108.1923% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.5215% | 996 |
| Noncurrent loans to loans | 1.3331% | 1,428 |
| Net loans and leases to total assets | 71.8474% | 2,275 |
| Net loans and leases to deposits | 89.2906% | 1,891 |
| Net loans and leases to core deposits | 99.0979% | 1,787 |
| Total domestic deposits to total assets | 80.4646% | 4,217 |
| Equity capital to assets | 10.3812% | 3,502 |
| Core capital (leverage) ratio | 10.3479% | 3,143 |
| Tier 1 risk-based capital ratio | 13.4555% | 3,733 |
| Total risk-based capital ratio | 14.7071% | 3,649 |
| Memoranda: |
| Average total assets | $303,556,500 | 2,167 |
| Average earning assets | $286,507,750 | 2,131 |
| Average equity | $33,570,750 | 2,165 |
| Average total loans | $220,482,000 | 2,003 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4339% | 1,716 |
| Cost of funding earning assets | 0.5356% | 1,873 |
| Net interest margin | 3.8984% | 1,934 |
| Noninterest income to average assets | 0.9637% | 1,103 |
| Noninterest expense to average assets | 3.1864% | 1,610 |
| Loan and lease loss provision to assets | 0.0395% | 3,220 |
| Net operating income to assets | 1.4159% | 1,024 |
| Return on assets (ROA) | 1.3836% | 1,125 |
| Pretax return on assets | 1.3855% | 2,075 |
| Return on Equity (ROE) | 12.2597% | 1,221 |
| Retained earnings to average equity (ytd only) | -36.6272% | 5,753 |
| Net charge-offs to loans | -0.0245% | 4,854 |
| Credit loss provision to net charge-offs | -222.2222% | 4,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6160% | 2,904 |
| Assets per employee ($millions) | 4.2745% | 3,479 |
| Cash dividends to net income (ytd only)* | 398.7613% | 32 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4367% | 1,790 |
| Loan loss allowance to noncurrent loans | 131.1543% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 1,170 |
| Noncurrent loans to loans | 1.0954% | 1,789 |
| Net loans and leases to total assets | 71.6569% | 2,256 |
| Net loans and leases to deposits | 89.7203% | 1,771 |
| Net loans and leases to core deposits | 99.5669% | 1,680 |
| Total domestic deposits to total assets | 79.8670% | 4,443 |
| Equity capital to assets | 10.2421% | 3,629 |
| Core capital (leverage) ratio | 10.0956% | 3,411 |
| Tier 1 risk-based capital ratio | 13.1176% | 3,935 |
| Total risk-based capital ratio | 14.3691% | 3,840 |
| Memoranda: |
| Average total assets | $303,418,000 | 2,173 |
| Average earning assets | $286,426,670 | 2,135 |
| Average equity | $34,242,330 | 2,130 |
| Average total loans | $220,112,000 | 2,009 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3979% | 1,653 |
| Cost of funding earning assets | 0.5251% | 1,901 |
| Net interest margin | 3.8728% | 1,879 |
| Noninterest income to average assets | 0.9730% | 1,051 |
| Noninterest expense to average assets | 3.1933% | 1,628 |
| Loan and lease loss provision to assets | 0.0396% | 3,013 |
| Net operating income to assets | 1.3949% | 1,010 |
| Return on assets (ROA) | 1.3303% | 1,196 |
| Pretax return on assets | 1.3317% | 2,129 |
| Return on Equity (ROE) | 11.2670% | 1,479 |
| Retained earnings to average equity (ytd only) | 3.4504% | 3,712 |
| Net charge-offs to loans | -0.1146% | 5,485 |
| Credit loss provision to net charge-offs | -47.6190% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9832% | 3,052 |
| Assets per employee ($millions) | 4.5519% | 3,087 |
| Cash dividends to net income (ytd only)* | 69.3756% | 1,183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4526% | 1,859 |
| Loan loss allowance to noncurrent loans | 126.3325% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 1,204 |
| Noncurrent loans to loans | 1.1498% | 1,772 |
| Net loans and leases to total assets | 71.7205% | 2,109 |
| Net loans and leases to deposits | 90.2986% | 1,500 |
| Net loans and leases to core deposits | 100.8566% | 1,451 |
| Total domestic deposits to total assets | 79.4260% | 4,733 |
| Equity capital to assets | 12.0287% | 1,813 |
| Core capital (leverage) ratio | 12.1597% | 1,528 |
| Tier 1 risk-based capital ratio | 15.7921% | 2,625 |
| Total risk-based capital ratio | 17.0438% | 2,572 |
| Memoranda: |
| Average total assets | $303,381,000 | 2,187 |
| Average earning assets | $286,411,000 | 2,153 |
| Average equity | $35,821,500 | 2,046 |
| Average total loans | $219,846,500 | 2,026 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6688% | 1,120 |
| Cost of funding earning assets | 0.4926% | 2,145 |
| Net interest margin | 4.1763% | 1,173 |
| Noninterest income to average assets | 0.8422% | 1,611 |
| Noninterest expense to average assets | 3.4595% | 1,234 |
| Loan and lease loss provision to assets | -0.2643% | 5,822 |
| Net operating income to assets | 1.5761% | 718 |
| Return on assets (ROA) | 1.5440% | 790 |
| Pretax return on assets | 1.5456% | 1,446 |
| Return on Equity (ROE) | 12.7411% | 1,060 |
| Retained earnings to average equity (ytd only) | 3.5661% | 3,387 |
| Net charge-offs to loans | 0.0831% | 2,501 |
| Credit loss provision to net charge-offs | -448.2955% | 5,148 |
| Earnings coverage of net charge-offs (x) | 22.2784% | 1,742 |
| Efficiency ratio | 72.4803% | 2,514 |
| Assets per employee ($millions) | 4.0845% | 3,819 |
| Cash dividends to net income (ytd only)* | 72.0113% | 1,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3947% | 2,104 |
| Loan loss allowance to noncurrent loans | 92.8894% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.6257% | 970 |
| Noncurrent loans to loans | 1.5015% | 1,335 |
| Net loans and leases to total assets | 71.1529% | 2,310 |
| Net loans and leases to deposits | 90.6701% | 1,614 |
| Net loans and leases to core deposits | 100.9653% | 1,544 |
| Total domestic deposits to total assets | 78.4745% | 4,898 |
| Equity capital to assets | 11.5904% | 2,089 |
| Core capital (leverage) ratio | 11.9844% | 1,610 |
| Tier 1 risk-based capital ratio | 13.7141% | 3,643 |
| Total risk-based capital ratio | 14.8770% | 3,594 |
| Memoranda: |
| Average total assets | $298,515,200 | 2,173 |
| Average earning assets | $280,969,000 | 2,148 |
| Average equity | $36,174,200 | 2,017 |
| Average total loans | $211,850,200 | 2,033 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6896% | 1,090 |
| Cost of funding earning assets | 0.4832% | 2,229 |
| Net interest margin | 4.2065% | 1,108 |
| Noninterest income to average assets | 0.8236% | 1,672 |
| Noninterest expense to average assets | 3.5297% | 1,096 |
| Loan and lease loss provision to assets | -0.2198% | 5,877 |
| Net operating income to assets | 1.4693% | 937 |
| Return on assets (ROA) | 1.4899% | 943 |
| Pretax return on assets | 1.4917% | 1,732 |
| Return on Equity (ROE) | 12.1585% | 1,271 |
| Retained earnings to average equity (ytd only) | 1.8161% | 4,775 |
| Net charge-offs to loans | 0.0846% | 2,116 |
| Credit loss provision to net charge-offs | -367.6692% | 4,993 |
| Earnings coverage of net charge-offs (x) | 20.9247% | 1,842 |
| Efficiency ratio | 73.8292% | 2,316 |
| Assets per employee ($millions) | 4.0176% | 3,938 |
| Cash dividends to net income (ytd only)* | 85.0632% | 623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5802% | 1,537 |
| Loan loss allowance to noncurrent loans | 85.4790% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.9916% | 779 |
| Noncurrent loans to loans | 1.8486% | 1,099 |
| Net loans and leases to total assets | 70.8147% | 2,372 |
| Net loans and leases to deposits | 90.6997% | 1,673 |
| Net loans and leases to core deposits | 102.1015% | 1,474 |
| Total domestic deposits to total assets | 78.0760% | 4,899 |
| Equity capital to assets | 12.2287% | 1,964 |
| Core capital (leverage) ratio | 11.9161% | 1,733 |
| Tier 1 risk-based capital ratio | 13.9480% | 3,589 |
| Total risk-based capital ratio | 15.1990% | 3,510 |
| Memoranda: |
| Average total assets | $296,559,250 | 2,191 |
| Average earning assets | $278,993,000 | 2,165 |
| Average equity | $36,341,250 | 2,015 |
| Average total loans | $209,549,750 | 2,056 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7113% | 1,029 |
| Cost of funding earning assets | 0.4726% | 2,344 |
| Net interest margin | 4.2387% | 1,040 |
| Noninterest income to average assets | 0.9628% | 1,209 |
| Noninterest expense to average assets | 3.4722% | 1,216 |
| Loan and lease loss provision to assets | -0.3316% | 5,986 |
| Net operating income to assets | 1.8036% | 472 |
| Return on assets (ROA) | 1.8246% | 483 |
| Pretax return on assets | 1.8266% | 830 |
| Return on Equity (ROE) | 14.8788% | 691 |
| Retained earnings to average equity (ytd only) | 2.0568% | 4,537 |
| Net charge-offs to loans | 0.1168% | 1,665 |
| Credit loss provision to net charge-offs | -404.1322% | 4,888 |
| Earnings coverage of net charge-offs (x) | 17.9669% | 1,848 |
| Efficiency ratio | 70.1302% | 2,960 |
| Assets per employee ($millions) | 3.9211% | 4,057 |
| Cash dividends to net income (ytd only)* | 86.1761% | 765 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6198% | 1,470 |
| Loan loss allowance to noncurrent loans | 79.5833% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.3785% | 613 |
| Noncurrent loans to loans | 2.0353% | 968 |
| Net loans and leases to total assets | 70.0720% | 2,470 |
| Net loans and leases to deposits | 92.0799% | 1,503 |
| Net loans and leases to core deposits | 103.1934% | 1,384 |
| Total domestic deposits to total assets | 76.0992% | 5,272 |
| Equity capital to assets | 12.3805% | 1,845 |
| Core capital (leverage) ratio | 11.9558% | 1,655 |
| Tier 1 risk-based capital ratio | 14.1017% | 3,547 |
| Total risk-based capital ratio | 15.3530% | 3,462 |
| Memoranda: |
| Average total assets | $294,971,330 | 2,211 |
| Average earning assets | $277,206,670 | 2,187 |
| Average equity | $36,172,330 | 2,029 |
| Average total loans | $207,130,670 | 2,079 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6832% | 1,084 |
| Cost of funding earning assets | 0.4511% | 2,569 |
| Net interest margin | 4.2321% | 1,031 |
| Noninterest income to average assets | 0.7483% | 1,824 |
| Noninterest expense to average assets | 3.4213% | 1,341 |
| Loan and lease loss provision to assets | -0.2644% | 6,041 |
| Net operating income to assets | 1.5675% | 753 |
| Return on assets (ROA) | 1.5675% | 786 |
| Pretax return on assets | 1.5689% | 1,382 |
| Return on Equity (ROE) | 12.8450% | 1,069 |
| Retained earnings to average equity (ytd only) | 4.1663% | 3,403 |
| Net charge-offs to loans | -0.0020% | 4,118 |
| Credit loss provision to net charge-offs | 19,400.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1661% | 2,778 |
| Assets per employee ($millions) | 3.8195% | 4,265 |
| Cash dividends to net income (ytd only)* | 67.5652% | 1,249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9034% | 967 |
| Loan loss allowance to noncurrent loans | 70.9683% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.7414% | 505 |
| Noncurrent loans to loans | 2.6820% | 666 |
| Net loans and leases to total assets | 68.4438% | 2,591 |
| Net loans and leases to deposits | 87.4481% | 1,890 |
| Net loans and leases to core deposits | 97.7035% | 1,660 |
| Total domestic deposits to total assets | 78.2679% | 5,097 |
| Equity capital to assets | 12.4981% | 1,683 |
| Core capital (leverage) ratio | 12.2414% | 1,471 |
| Tier 1 risk-based capital ratio | 14.7582% | 3,261 |
| Total risk-based capital ratio | 16.0128% | 3,196 |
| Memoranda: |
| Average total assets | $293,456,000 | 2,227 |
| Average earning assets | $275,797,000 | 2,207 |
| Average equity | $35,811,500 | 2,043 |
| Average total loans | $204,569,000 | 2,100 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7152% | 1,074 |
| Cost of funding earning assets | 0.4150% | 2,994 |
| Net interest margin | 4.3002% | 962 |
| Noninterest income to average assets | 0.7968% | 1,800 |
| Noninterest expense to average assets | 3.2734% | 1,777 |
| Loan and lease loss provision to assets | 0.0597% | 3,113 |
| Net operating income to assets | 1.4933% | 879 |
| Return on assets (ROA) | 1.5042% | 892 |
| Pretax return on assets | 1.5069% | 1,531 |
| Return on Equity (ROE) | 12.9011% | 1,078 |
| Retained earnings to average equity (ytd only) | 5.8450% | 1,871 |
| Net charge-offs to loans | 0.1056% | 2,337 |
| Credit loss provision to net charge-offs | 84.1346% | 2,875 |
| Earnings coverage of net charge-offs (x) | 21.9279% | 1,789 |
| Efficiency ratio | 67.5731% | 3,647 |
| Assets per employee ($millions) | 3.7548% | 4,366 |
| Cash dividends to net income (ytd only)* | 54.6939% | 2,031 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9593% | 861 |
| Loan loss allowance to noncurrent loans | 76.5652% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.7870% | 507 |
| Noncurrent loans to loans | 2.5590% | 701 |
| Net loans and leases to total assets | 68.2854% | 2,661 |
| Net loans and leases to deposits | 90.5139% | 1,551 |
| Net loans and leases to core deposits | 101.0431% | 1,439 |
| Total domestic deposits to total assets | 75.4419% | 5,503 |
| Equity capital to assets | 11.9150% | 2,022 |
| Core capital (leverage) ratio | 11.9981% | 1,618 |
| Tier 1 risk-based capital ratio | 14.3694% | 3,510 |
| Total risk-based capital ratio | 15.6244% | 3,424 |
| Memoranda: |
| Average total assets | $293,182,000 | 2,189 |
| Average earning assets | $274,920,000 | 2,168 |
| Average equity | $34,183,200 | 2,081 |
| Average total loans | $197,041,400 | 2,100 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7782% | 969 |
| Cost of funding earning assets | 0.4116% | 3,103 |
| Net interest margin | 4.3666% | 848 |
| Noninterest income to average assets | 0.7831% | 1,864 |
| Noninterest expense to average assets | 3.2525% | 1,815 |
| Loan and lease loss provision to assets | 0.0798% | 2,576 |
| Net operating income to assets | 1.5416% | 862 |
| Return on assets (ROA) | 1.5562% | 880 |
| Pretax return on assets | 1.5590% | 1,508 |
| Return on Equity (ROE) | 13.4222% | 1,021 |
| Retained earnings to average equity (ytd only) | 4.3783% | 3,358 |
| Net charge-offs to loans | -0.0158% | 5,122 |
| Credit loss provision to net charge-offs | -760.8696% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4796% | 3,808 |
| Assets per employee ($millions) | 3.6384% | 4,544 |
| Cash dividends to net income (ytd only)* | 67.3799% | 1,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1451% | 719 |
| Loan loss allowance to noncurrent loans | 71.8797% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 3.0948% | 475 |
| Noncurrent loans to loans | 2.9843% | 593 |
| Net loans and leases to total assets | 67.0623% | 2,841 |
| Net loans and leases to deposits | 85.4214% | 2,217 |
| Net loans and leases to core deposits | 95.6178% | 1,921 |
| Total domestic deposits to total assets | 78.5076% | 5,088 |
| Equity capital to assets | 11.8215% | 2,244 |
| Core capital (leverage) ratio | 11.7934% | 1,824 |
| Tier 1 risk-based capital ratio | 14.5091% | 3,569 |
| Total risk-based capital ratio | 15.7665% | 3,481 |
| Memoranda: |
| Average total assets | $292,320,750 | 2,206 |
| Average earning assets | $274,045,500 | 2,194 |
| Average equity | $33,893,250 | 2,110 |
| Average total loans | $194,651,500 | 2,136 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8374% | 824 |
| Cost of funding earning assets | 0.4109% | 3,149 |
| Net interest margin | 4.4265% | 725 |
| Noninterest income to average assets | 0.7379% | 2,050 |
| Noninterest expense to average assets | 3.2261% | 1,905 |
| Loan and lease loss provision to assets | 0.1025% | 2,124 |
| Net operating income to assets | 1.5570% | 820 |
| Return on assets (ROA) | 1.5693% | 826 |
| Pretax return on assets | 1.5727% | 1,419 |
| Return on Equity (ROE) | 13.6234% | 978 |
| Retained earnings to average equity (ytd only) | 2.9536% | 4,156 |
| Net charge-offs to loans | -0.0062% | 4,795 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7770% | 4,052 |
| Assets per employee ($millions) | 3.5837% | 4,649 |
| Cash dividends to net income (ytd only)* | 78.3195% | 962 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1588% | 781 |
| Loan loss allowance to noncurrent loans | 94.7027% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 2.6767% | 674 |
| Noncurrent loans to loans | 2.2796% | 1,038 |
| Net loans and leases to total assets | 66.1525% | 2,924 |
| Net loans and leases to deposits | 86.2408% | 2,028 |
| Net loans and leases to core deposits | 96.1611% | 1,782 |
| Total domestic deposits to total assets | 76.7067% | 5,498 |
| Equity capital to assets | 11.5433% | 2,380 |
| Core capital (leverage) ratio | 11.4748% | 2,013 |
| Tier 1 risk-based capital ratio | 14.3598% | 3,726 |
| Total risk-based capital ratio | 15.6167% | 3,642 |
| Memoranda: |
| Average total assets | $292,737,330 | 2,218 |
| Average earning assets | $274,526,000 | 2,199 |
| Average equity | $33,721,330 | 2,123 |
| Average total loans | $193,042,670 | 2,153 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8726% | 743 |
| Cost of funding earning assets | 0.4076% | 3,225 |
| Net interest margin | 4.4650% | 644 |
| Noninterest income to average assets | 0.6423% | 2,442 |
| Noninterest expense to average assets | 3.1909% | 2,004 |
| Loan and lease loss provision to assets | 0.1021% | 1,994 |
| Net operating income to assets | 1.5362% | 793 |
| Return on assets (ROA) | 1.5675% | 793 |
| Pretax return on assets | 1.5689% | 1,347 |
| Return on Equity (ROE) | 13.6219% | 952 |
| Retained earnings to average equity (ytd only) | 4.1741% | 3,502 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8310% | 4,189 |
| Assets per employee ($millions) | 3.5692% | 4,778 |
| Cash dividends to net income (ytd only)* | 69.3576% | 1,200 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1936% | 814 |
| Loan loss allowance to noncurrent loans | 85.7261% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.9104% | 666 |
| Noncurrent loans to loans | 2.5589% | 942 |
| Net loans and leases to total assets | 63.3121% | 3,190 |
| Net loans and leases to deposits | 80.1370% | 2,545 |
| Net loans and leases to core deposits | 87.3142% | 2,400 |
| Total domestic deposits to total assets | 79.0048% | 5,266 |
| Equity capital to assets | 11.6347% | 2,350 |
| Core capital (leverage) ratio | 11.5226% | 1,986 |
| Tier 1 risk-based capital ratio | 14.4746% | 3,735 |
| Total risk-based capital ratio | 15.7312% | 3,655 |
| Memoranda: |
| Average total assets | $293,965,500 | 2,229 |
| Average earning assets | $275,743,500 | 2,207 |
| Average equity | $33,828,000 | 2,134 |
| Average total loans | $191,431,500 | 2,168 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1280% | 599 |
| Cost of funding earning assets | 0.4509% | 3,164 |
| Net interest margin | 4.6771% | 539 |
| Noninterest income to average assets | 1.1368% | 940 |
| Noninterest expense to average assets | 3.4381% | 1,623 |
| Loan and lease loss provision to assets | 0.0518% | 3,522 |
| Net operating income to assets | 2.0175% | 315 |
| Return on assets (ROA) | 2.0306% | 318 |
| Pretax return on assets | 2.0323% | 482 |
| Return on Equity (ROE) | 18.5179% | 356 |
| Retained earnings to average equity (ytd only) | 6.2713% | 1,772 |
| Net charge-offs to loans | 0.1351% | 2,667 |
| Credit loss provision to net charge-offs | 57.9151% | 3,324 |
| Earnings coverage of net charge-offs (x) | 23.1622% | 1,602 |
| Efficiency ratio | 62.2196% | 4,878 |
| Assets per employee ($millions) | 3.6907% | 4,543 |
| Cash dividends to net income (ytd only)* | 66.1340% | 1,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1101% | 934 |
| Loan loss allowance to noncurrent loans | 76.7682% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 3.0807% | 644 |
| Noncurrent loans to loans | 2.7486% | 877 |
| Net loans and leases to total assets | 64.1231% | 3,209 |
| Net loans and leases to deposits | 78.1735% | 2,958 |
| Net loans and leases to core deposits | 84.9556% | 2,786 |
| Total domestic deposits to total assets | 82.0267% | 4,411 |
| Equity capital to assets | 11.3814% | 2,528 |
| Core capital (leverage) ratio | 11.3949% | 2,059 |
| Tier 1 risk-based capital ratio | 15.1472% | 3,414 |
| Total risk-based capital ratio | 16.4050% | 3,359 |
| Memoranda: |
| Average total assets | $289,669,200 | 2,217 |
| Average earning assets | $270,790,000 | 2,192 |
| Average equity | $31,763,800 | 2,178 |
| Average total loans | $191,697,200 | 2,100 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2058% | 515 |
| Cost of funding earning assets | 0.4501% | 3,245 |
| Net interest margin | 4.7557% | 459 |
| Noninterest income to average assets | 1.0397% | 1,134 |
| Noninterest expense to average assets | 3.4513% | 1,563 |
| Loan and lease loss provision to assets | 0.2081% | 1,119 |
| Net operating income to assets | 1.8205% | 496 |
| Return on assets (ROA) | 1.8144% | 516 |
| Pretax return on assets | 1.8163% | 859 |
| Return on Equity (ROE) | 16.7090% | 590 |
| Retained earnings to average equity (ytd only) | 5.2857% | 2,891 |
| Net charge-offs to loans | 0.0830% | 3,017 |
| Credit loss provision to net charge-offs | 378.1513% | 741 |
| Earnings coverage of net charge-offs (x) | 36.8914% | 1,194 |
| Efficiency ratio | 62.7658% | 4,768 |
| Assets per employee ($millions) | 3.3725% | 5,095 |
| Cash dividends to net income (ytd only)* | 68.3660% | 1,083 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4099% | 726 |
| Loan loss allowance to noncurrent loans | 76.4975% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 3.7139% | 557 |
| Noncurrent loans to loans | 3.1503% | 812 |
| Net loans and leases to total assets | 64.6270% | 3,085 |
| Net loans and leases to deposits | 79.2856% | 2,807 |
| Net loans and leases to core deposits | 87.1411% | 2,525 |
| Total domestic deposits to total assets | 81.5117% | 4,653 |
| Equity capital to assets | 11.4252% | 2,555 |
| Core capital (leverage) ratio | 11.4174% | 2,130 |
| Tier 1 risk-based capital ratio | 15.1928% | 3,478 |
| Total risk-based capital ratio | 16.3745% | 3,457 |
| Memoranda: |
| Average total assets | $288,273,000 | 2,234 |
| Average earning assets | $269,257,250 | 2,217 |
| Average equity | $31,303,750 | 2,212 |
| Average total loans | $191,269,750 | 2,118 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3151% | 426 |
| Cost of funding earning assets | 0.4504% | 3,326 |
| Net interest margin | 4.8647% | 367 |
| Noninterest income to average assets | 1.0299% | 1,123 |
| Noninterest expense to average assets | 3.4884% | 1,501 |
| Loan and lease loss provision to assets | 0.2587% | 826 |
| Net operating income to assets | 1.8259% | 467 |
| Return on assets (ROA) | 1.8356% | 474 |
| Pretax return on assets | 1.8370% | 784 |
| Return on Equity (ROE) | 17.1957% | 535 |
| Retained earnings to average equity (ytd only) | 3.7933% | 3,764 |
| Net charge-offs to loans | -0.0717% | 6,026 |
| Credit loss provision to net charge-offs | -543.4783% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3933% | 4,957 |
| Assets per employee ($millions) | 3.5425% | 4,769 |
| Cash dividends to net income (ytd only)* | 77.9406% | 957 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4275% | 786 |
| Loan loss allowance to noncurrent loans | 65.8519% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 4.0505% | 522 |
| Noncurrent loans to loans | 3.6863% | 693 |
| Net loans and leases to total assets | 65.7255% | 2,798 |
| Net loans and leases to deposits | 80.3770% | 2,466 |
| Net loans and leases to core deposits | 88.5955% | 2,247 |
| Total domestic deposits to total assets | 81.7715% | 4,729 |
| Equity capital to assets | 11.2270% | 2,672 |
| Core capital (leverage) ratio | 11.1679% | 2,277 |
| Tier 1 risk-based capital ratio | 14.6719% | 3,829 |
| Total risk-based capital ratio | 15.9331% | 3,771 |
| Memoranda: |
| Average total assets | $289,935,000 | 2,228 |
| Average earning assets | $270,849,670 | 2,201 |
| Average equity | $30,949,670 | 2,219 |
| Average total loans | $192,492,670 | 2,108 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0321% | 675 |
| Cost of funding earning assets | 0.4482% | 3,449 |
| Net interest margin | 4.5840% | 571 |
| Noninterest income to average assets | 0.8431% | 1,593 |
| Noninterest expense to average assets | 3.3683% | 1,788 |
| Loan and lease loss provision to assets | 0.3070% | 620 |
| Net operating income to assets | 1.4502% | 898 |
| Return on assets (ROA) | 1.4570% | 919 |
| Pretax return on assets | 1.4584% | 1,558 |
| Return on Equity (ROE) | 13.9992% | 944 |
| Retained earnings to average equity (ytd only) | 2.7527% | 4,437 |
| Net charge-offs to loans | -0.1014% | 6,122 |
| Credit loss provision to net charge-offs | -459.1837% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4870% | 4,611 |
| Assets per employee ($millions) | 3.6393% | 4,645 |
| Cash dividends to net income (ytd only)* | 80.3371% | 959 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3463% | 971 |
| Loan loss allowance to noncurrent loans | 81.2967% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 3.5982% | 717 |
| Noncurrent loans to loans | 2.8861% | 1,131 |
| Net loans and leases to total assets | 64.6231% | 2,789 |
| Net loans and leases to deposits | 79.3473% | 2,387 |
| Net loans and leases to core deposits | 87.7753% | 2,118 |
| Total domestic deposits to total assets | 81.4434% | 5,112 |
| Equity capital to assets | 10.7181% | 3,018 |
| Core capital (leverage) ratio | 10.7592% | 2,643 |
| Tier 1 risk-based capital ratio | 14.4977% | 4,012 |
| Total risk-based capital ratio | 15.6717% | 4,011 |
| Memoranda: |
| Average total assets | $293,204,000 | 2,214 |
| Average earning assets | $273,998,500 | 2,189 |
| Average equity | $30,516,000 | 2,239 |
| Average total loans | $193,290,000 | 2,110 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3713% | 463 |
| Cost of funding earning assets | 0.5510% | 3,099 |
| Net interest margin | 4.8202% | 413 |
| Noninterest income to average assets | 0.7259% | 2,401 |
| Noninterest expense to average assets | 3.3252% | 2,068 |
| Loan and lease loss provision to assets | 0.7335% | 302 |
| Net operating income to assets | 1.1392% | 1,799 |
| Return on assets (ROA) | 1.1646% | 1,760 |
| Pretax return on assets | 1.1663% | 2,702 |
| Return on Equity (ROE) | 11.1334% | 1,723 |
| Retained earnings to average equity (ytd only) | -0.2723% | 5,935 |
| Net charge-offs to loans | 0.8943% | 683 |
| Credit loss provision to net charge-offs | 124.0999% | 1,917 |
| Earnings coverage of net charge-offs (x) | 3.1713% | 3,937 |
| Efficiency ratio | 63.7534% | 4,946 |
| Assets per employee ($millions) | 3.7836% | 4,300 |
| Cash dividends to net income (ytd only)* | 102.4462% | 360 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1342% | 1,277 |
| Loan loss allowance to noncurrent loans | 67.3525% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 3.7126% | 757 |
| Noncurrent loans to loans | 3.1688% | 1,077 |
| Net loans and leases to total assets | 64.2788% | 2,998 |
| Net loans and leases to deposits | 81.5058% | 2,251 |
| Net loans and leases to core deposits | 88.8800% | 2,147 |
| Total domestic deposits to total assets | 78.8641% | 5,678 |
| Equity capital to assets | 10.1093% | 3,623 |
| Core capital (leverage) ratio | 10.5925% | 2,789 |
| Tier 1 risk-based capital ratio | 13.8041% | 4,433 |
| Total risk-based capital ratio | 14.9757% | 4,445 |
| Memoranda: |
| Average total assets | $291,351,600 | 2,201 |
| Average earning assets | $270,402,000 | 2,175 |
| Average equity | $30,476,000 | 2,226 |
| Average total loans | $192,551,400 | 2,072 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3938% | 450 |
| Cost of funding earning assets | 0.5763% | 3,032 |
| Net interest margin | 4.8175% | 415 |
| Noninterest income to average assets | 0.7780% | 2,252 |
| Noninterest expense to average assets | 3.4537% | 1,709 |
| Loan and lease loss provision to assets | 0.8922% | 200 |
| Net operating income to assets | 0.8931% | 2,866 |
| Return on assets (ROA) | 0.9005% | 2,947 |
| Pretax return on assets | 0.9023% | 3,870 |
| Return on Equity (ROE) | 8.5348% | 2,870 |
| Retained earnings to average equity (ytd only) | -5.7670% | 6,524 |
| Net charge-offs to loans | 0.8802% | 659 |
| Credit loss provision to net charge-offs | 153.1225% | 1,541 |
| Earnings coverage of net charge-offs (x) | 3.0672% | 3,815 |
| Efficiency ratio | 65.6970% | 4,545 |
| Assets per employee ($millions) | 3.7658% | 4,311 |
| Cash dividends to net income (ytd only)* | 167.5704% | 101 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4472% | 993 |
| Loan loss allowance to noncurrent loans | 63.2395% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 4.2787% | 715 |
| Noncurrent loans to loans | 3.8697% | 926 |
| Net loans and leases to total assets | 61.1355% | 3,501 |
| Net loans and leases to deposits | 74.4755% | 3,160 |
| Net loans and leases to core deposits | 80.3738% | 3,084 |
| Total domestic deposits to total assets | 82.0881% | 4,895 |
| Equity capital to assets | 10.0114% | 3,883 |
| Core capital (leverage) ratio | 10.5191% | 2,985 |
| Tier 1 risk-based capital ratio | 14.0287% | 4,406 |
| Total risk-based capital ratio | 15.1912% | 4,424 |
| Memoranda: |
| Average total assets | $289,463,500 | 2,223 |
| Average earning assets | $268,155,500 | 2,203 |
| Average equity | $30,540,750 | 2,242 |
| Average total loans | $191,608,750 | 2,082 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6258% | 304 |
| Cost of funding earning assets | 0.6051% | 2,892 |
| Net interest margin | 5.0207% | 304 |
| Noninterest income to average assets | 0.8600% | 1,966 |
| Noninterest expense to average assets | 3.4518% | 1,713 |
| Loan and lease loss provision to assets | 1.0280% | 176 |
| Net operating income to assets | 1.0190% | 2,249 |
| Return on assets (ROA) | 1.0301% | 2,319 |
| Pretax return on assets | 1.0322% | 3,363 |
| Return on Equity (ROE) | 9.5992% | 2,370 |
| Retained earnings to average equity (ytd only) | -10.2112% | 6,670 |
| Net charge-offs to loans | 0.8968% | 697 |
| Credit loss provision to net charge-offs | 170.1373% | 1,386 |
| Earnings coverage of net charge-offs (x) | 3.3913% | 3,401 |
| Efficiency ratio | 62.5613% | 5,085 |
| Assets per employee ($millions) | 3.8657% | 4,078 |
| Cash dividends to net income (ytd only)* | 206.3758% | 87 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3452% | 1,181 |
| Loan loss allowance to noncurrent loans | 69.4964% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 3.8598% | 929 |
| Noncurrent loans to loans | 3.3745% | 1,273 |
| Net loans and leases to total assets | 64.7504% | 2,802 |
| Net loans and leases to deposits | 77.4189% | 2,652 |
| Net loans and leases to core deposits | 84.0491% | 2,560 |
| Total domestic deposits to total assets | 83.6364% | 4,474 |
| Equity capital to assets | 10.5098% | 3,294 |
| Core capital (leverage) ratio | 10.2618% | 3,152 |
| Tier 1 risk-based capital ratio | 13.6486% | 4,669 |
| Total risk-based capital ratio | 14.9082% | 4,629 |
| Memoranda: |
| Average total assets | $289,295,000 | 2,228 |
| Average earning assets | $267,411,670 | 2,211 |
| Average equity | $31,044,330 | 2,218 |
| Average total loans | $194,904,670 | 2,055 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5189% | 360 |
| Cost of funding earning assets | 0.6242% | 2,885 |
| Net interest margin | 4.8946% | 338 |
| Noninterest income to average assets | 0.8537% | 1,916 |
| Noninterest expense to average assets | 3.4134% | 1,800 |
| Loan and lease loss provision to assets | 1.3263% | 115 |
| Net operating income to assets | 0.6215% | 4,110 |
| Return on assets (ROA) | 0.6215% | 4,271 |
| Pretax return on assets | 0.6229% | 4,867 |
| Return on Equity (ROE) | 5.7345% | 4,184 |
| Retained earnings to average equity (ytd only) | -21.6022% | 6,847 |
| Net charge-offs to loans | 0.5211% | 1,152 |
| Credit loss provision to net charge-offs | 374.9035% | 677 |
| Earnings coverage of net charge-offs (x) | 5.5097% | 2,359 |
| Efficiency ratio | 63.4488% | 5,087 |
| Assets per employee ($millions) | 3.8345% | 4,286 |
| Cash dividends to net income (ytd only)* | 476.7033% | 28 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3110% | 1,394 |
| Loan loss allowance to noncurrent loans | 61.7789% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 4.5864% | 815 |
| Noncurrent loans to loans | 3.7408% | 1,245 |
| Net loans and leases to total assets | 65.9518% | 2,376 |
| Net loans and leases to deposits | 77.3447% | 2,443 |
| Net loans and leases to core deposits | 83.8283% | 2,340 |
| Total domestic deposits to total assets | 85.2700% | 3,916 |
| Equity capital to assets | 10.6965% | 3,323 |
| Core capital (leverage) ratio | 10.1413% | 3,229 |
| Tier 1 risk-based capital ratio | 11.1640% | 6,334 |
| Total risk-based capital ratio | 12.2319% | 6,385 |
| Memoranda: |
| Average total assets | $292,846,000 | 2,239 |
| Average earning assets | $269,765,500 | 2,216 |
| Average equity | $31,737,500 | 2,198 |
| Average total loans | $198,802,500 | 2,038 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0319% | 254 |
| Cost of funding earning assets | 0.8481% | 2,302 |
| Net interest margin | 5.1838% | 277 |
| Noninterest income to average assets | 1.0096% | 1,508 |
| Noninterest expense to average assets | 3.3427% | 2,208 |
| Loan and lease loss provision to assets | 0.5822% | 955 |
| Net operating income to assets | 1.7876% | 519 |
| Return on assets (ROA) | 1.7994% | 574 |
| Pretax return on assets | 1.8012% | 919 |
| Return on Equity (ROE) | 16.6089% | 585 |
| Retained earnings to average equity (ytd only) | 9.8335% | 624 |
| Net charge-offs to loans | 0.7371% | 1,599 |
| Credit loss provision to net charge-offs | 111.8509% | 2,605 |
| Earnings coverage of net charge-offs (x) | 4.5559% | 3,329 |
| Efficiency ratio | 58.3151% | 5,784 |
| Assets per employee ($millions) | 4.0836% | 3,781 |
| Cash dividends to net income (ytd only)* | 40.7935% | 2,810 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8555% | 2,428 |
| Loan loss allowance to noncurrent loans | 47.1404% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 5.0298% | 768 |
| Noncurrent loans to loans | 3.9361% | 1,208 |
| Net loans and leases to total assets | 66.9812% | 2,366 |
| Net loans and leases to deposits | 81.7190% | 2,038 |
| Net loans and leases to core deposits | 88.5570% | 2,027 |
| Total domestic deposits to total assets | 81.9653% | 5,112 |
| Equity capital to assets | 10.9737% | 2,983 |
| Core capital (leverage) ratio | 10.6348% | 2,614 |
| Tier 1 risk-based capital ratio | 11.1268% | 6,303 |
| Total risk-based capital ratio | 12.0898% | 6,384 |
| Memoranda: |
| Average total assets | $288,536,000 | 2,218 |
| Average earning assets | $261,875,200 | 2,216 |
| Average equity | $31,260,400 | 2,186 |
| Average total loans | $203,780,000 | 1,977 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1561% | 231 |
| Cost of funding earning assets | 0.8941% | 2,213 |
| Net interest margin | 5.2620% | 268 |
| Noninterest income to average assets | 0.9231% | 1,752 |
| Noninterest expense to average assets | 3.3684% | 2,090 |
| Loan and lease loss provision to assets | 0.6430% | 820 |
| Net operating income to assets | 1.6760% | 730 |
| Return on assets (ROA) | 1.6919% | 771 |
| Pretax return on assets | 1.6937% | 1,289 |
| Return on Equity (ROE) | 15.6687% | 786 |
| Retained earnings to average equity (ytd only) | 8.1645% | 1,550 |
| Net charge-offs to loans | 0.5873% | 1,867 |
| Credit loss provision to net charge-offs | 153.6748% | 1,834 |
| Earnings coverage of net charge-offs (x) | 5.5468% | 2,995 |
| Efficiency ratio | 59.0172% | 5,657 |
| Assets per employee ($millions) | 3.8981% | 4,093 |
| Cash dividends to net income (ytd only)* | 47.8932% | 1,784 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0132% | 2,129 |
| Loan loss allowance to noncurrent loans | 42.1864% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 5.8674% | 697 |
| Noncurrent loans to loans | 4.7722% | 971 |
| Net loans and leases to total assets | 68.8257% | 2,145 |
| Net loans and leases to deposits | 81.8466% | 2,141 |
| Net loans and leases to core deposits | 89.2981% | 2,068 |
| Total domestic deposits to total assets | 84.0912% | 4,172 |
| Equity capital to assets | 11.1209% | 3,129 |
| Core capital (leverage) ratio | 10.5500% | 2,858 |
| Tier 1 risk-based capital ratio | 10.6131% | 6,627 |
| Total risk-based capital ratio | 11.5626% | 6,699 |
| Memoranda: |
| Average total assets | $286,144,250 | 2,257 |
| Average earning assets | $259,184,250 | 2,262 |
| Average equity | $30,897,250 | 2,219 |
| Average total loans | $203,863,000 | 1,997 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0769% | 266 |
| Cost of funding earning assets | 0.9448% | 2,094 |
| Net interest margin | 5.1321% | 320 |
| Noninterest income to average assets | 1.0674% | 1,256 |
| Noninterest expense to average assets | 3.4369% | 1,945 |
| Loan and lease loss provision to assets | 0.7247% | 730 |
| Net operating income to assets | 1.5376% | 938 |
| Return on assets (ROA) | 1.5376% | 1,052 |
| Pretax return on assets | 1.5390% | 1,751 |
| Return on Equity (ROE) | 14.3853% | 1,034 |
| Retained earnings to average equity (ytd only) | 5.4683% | 3,005 |
| Net charge-offs to loans | 0.3544% | 2,599 |
| Credit loss provision to net charge-offs | 285.6354% | 1,029 |
| Earnings coverage of net charge-offs (x) | 8.9227% | 2,227 |
| Efficiency ratio | 60.1057% | 5,559 |
| Assets per employee ($millions) | 3.8110% | 4,287 |
| Cash dividends to net income (ytd only)* | 61.9872% | 1,295 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1392% | 1,913 |
| Loan loss allowance to noncurrent loans | 39.6268% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 6.6634% | 609 |
| Noncurrent loans to loans | 5.3984% | 866 |
| Net loans and leases to total assets | 70.1964% | 1,883 |
| Net loans and leases to deposits | 83.6632% | 1,901 |
| Net loans and leases to core deposits | 92.8957% | 1,693 |
| Total domestic deposits to total assets | 83.9036% | 4,351 |
| Equity capital to assets | 11.1076% | 3,010 |
| Core capital (leverage) ratio | 10.1713% | 3,177 |
| Tier 1 risk-based capital ratio | 12.2982% | 5,723 |
| Total risk-based capital ratio | 13.4294% | 5,788 |
| Memoranda: |
| Average total assets | $285,373,670 | 2,266 |
| Average earning assets | $257,632,000 | 2,281 |
| Average equity | $30,503,330 | 2,231 |
| Average total loans | $204,280,330 | 1,985 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0486% | 286 |
| Cost of funding earning assets | 1.0014% | 1,976 |
| Net interest margin | 5.0471% | 369 |
| Noninterest income to average assets | 1.1559% | 1,064 |
| Noninterest expense to average assets | 3.4095% | 1,985 |
| Loan and lease loss provision to assets | 0.4153% | 1,518 |
| Net operating income to assets | 1.8646% | 523 |
| Return on assets (ROA) | 1.8646% | 596 |
| Pretax return on assets | 1.8660% | 940 |
| Return on Equity (ROE) | 17.7798% | 569 |
| Retained earnings to average equity (ytd only) | 9.8205% | 1,315 |
| Net charge-offs to loans | 0.1278% | 3,343 |
| Credit loss provision to net charge-offs | 454.5455% | 709 |
| Earnings coverage of net charge-offs (x) | 24.9697% | 1,043 |
| Efficiency ratio | 59.7178% | 5,660 |
| Assets per employee ($millions) | 4.1097% | 3,774 |
| Cash dividends to net income (ytd only)* | 44.7661% | 1,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8874% | 2,716 |
| Loan loss allowance to noncurrent loans | 39.9021% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 6.2611% | 730 |
| Noncurrent loans to loans | 4.7300% | 1,208 |
| Net loans and leases to total assets | 69.2261% | 1,905 |
| Net loans and leases to deposits | 84.2614% | 1,633 |
| Net loans and leases to core deposits | 93.6776% | 1,492 |
| Total domestic deposits to total assets | 82.1563% | 5,239 |
| Equity capital to assets | 10.6392% | 3,338 |
| Core capital (leverage) ratio | 10.0375% | 3,321 |
| Tier 1 risk-based capital ratio | 12.1795% | 5,841 |
| Total risk-based capital ratio | 13.3052% | 5,905 |
| Memoranda: |
| Average total assets | $288,958,000 | 2,251 |
| Average earning assets | $259,632,000 | 2,283 |
| Average equity | $30,304,000 | 2,244 |
| Average total loans | $206,641,000 | 1,969 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8078% | 636 |
| Cost of funding earning assets | 1.1572% | 2,301 |
| Net interest margin | 4.6506% | 833 |
| Noninterest income to average assets | 0.9312% | 1,566 |
| Noninterest expense to average assets | 3.2724% | 2,612 |
| Loan and lease loss provision to assets | 0.7294% | 1,392 |
| Net operating income to assets | 1.1343% | 1,710 |
| Return on assets (ROA) | 1.1353% | 1,828 |
| Pretax return on assets | 1.1371% | 2,704 |
| Return on Equity (ROE) | 11.3038% | 1,618 |
| Retained earnings to average equity (ytd only) | -2.6096% | 6,226 |
| Net charge-offs to loans | 0.6077% | 2,628 |
| Credit loss provision to net charge-offs | 164.1104% | 1,665 |
| Earnings coverage of net charge-offs (x) | 4.1971% | 3,226 |
| Efficiency ratio | 63.4934% | 5,213 |
| Assets per employee ($millions) | 4.6812% | 2,631 |
| Cash dividends to net income (ytd only)* | 123.0862% | 203 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7104% | 3,163 |
| Loan loss allowance to noncurrent loans | 26.9196% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 8.2285% | 475 |
| Noncurrent loans to loans | 6.3538% | 757 |
| Net loans and leases to total assets | 71.2194% | 1,786 |
| Net loans and leases to deposits | 87.9527% | 1,384 |
| Net loans and leases to core deposits | 99.0906% | 1,253 |
| Total domestic deposits to total assets | 80.9747% | 5,457 |
| Equity capital to assets | 10.3368% | 3,733 |
| Core capital (leverage) ratio | 9.8239% | 3,556 |
| Tier 1 risk-based capital ratio | 11.5920% | 6,105 |
| Total risk-based capital ratio | 12.7188% | 6,169 |
| Memoranda: |
| Average total assets | $293,390,600 | 2,176 |
| Average earning assets | $265,386,000 | 2,204 |
| Average equity | $29,468,000 | 2,230 |
| Average total loans | $214,594,400 | 1,915 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4961% | 1,260 |
| Cost of funding earning assets | 1.1846% | 2,418 |
| Net interest margin | 4.3116% | 1,672 |
| Noninterest income to average assets | 0.7650% | 2,232 |
| Noninterest expense to average assets | 3.2596% | 2,636 |
| Loan and lease loss provision to assets | 0.3399% | 2,845 |
| Net operating income to assets | 1.0819% | 2,037 |
| Return on assets (ROA) | 1.0832% | 2,173 |
| Pretax return on assets | 1.0832% | 3,079 |
| Return on Equity (ROE) | 10.8629% | 1,910 |
| Retained earnings to average equity (ytd only) | -6.2950% | 6,664 |
| Net charge-offs to loans | 0.0909% | 5,063 |
| Credit loss provision to net charge-offs | 510.2041% | 538 |
| Earnings coverage of net charge-offs (x) | 21.3396% | 1,186 |
| Efficiency ratio | 69.4065% | 4,056 |
| Assets per employee ($millions) | 4.5605% | 2,824 |
| Cash dividends to net income (ytd only)* | 157.9497% | 103 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5924% | 3,703 |
| Loan loss allowance to noncurrent loans | 26.2854% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 7.7326% | 595 |
| Noncurrent loans to loans | 6.0579% | 920 |
| Net loans and leases to total assets | 73.5264% | 1,408 |
| Net loans and leases to deposits | 90.4061% | 1,165 |
| Net loans and leases to core deposits | 99.1970% | 1,317 |
| Total domestic deposits to total assets | 81.3291% | 5,321 |
| Equity capital to assets | 10.3979% | 3,834 |
| Core capital (leverage) ratio | 9.5725% | 4,035 |
| Tier 1 risk-based capital ratio | 11.1863% | 6,439 |
| Total risk-based capital ratio | 12.3196% | 6,483 |
| Memoranda: |
| Average total assets | $294,179,750 | 2,178 |
| Average earning assets | $267,211,000 | 2,194 |
| Average equity | $29,334,750 | 2,240 |
| Average total loans | $215,668,000 | 1,921 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3439% | 1,735 |
| Cost of funding earning assets | 1.1952% | 2,610 |
| Net interest margin | 4.1487% | 2,232 |
| Noninterest income to average assets | 0.7275% | 2,390 |
| Noninterest expense to average assets | 3.2236% | 2,823 |
| Loan and lease loss provision to assets | 0.3859% | 2,482 |
| Net operating income to assets | 0.8859% | 2,709 |
| Return on assets (ROA) | 0.8873% | 2,801 |
| Pretax return on assets | 0.8886% | 3,660 |
| Return on Equity (ROE) | 9.0199% | 2,506 |
| Retained earnings to average equity (ytd only) | -14.5192% | 7,025 |
| Net charge-offs to loans | 0.1658% | 4,182 |
| Credit loss provision to net charge-offs | 319.4444% | 952 |
| Earnings coverage of net charge-offs (x) | 10.5389% | 1,795 |
| Efficiency ratio | 71.4627% | 3,830 |
| Assets per employee ($millions) | 4.6428% | 2,622 |
| Cash dividends to net income (ytd only)* | 260.9682% | 61 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4644% | 4,281 |
| Loan loss allowance to noncurrent loans | 21.1188% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 8.4102% | 524 |
| Noncurrent loans to loans | 6.9343% | 752 |
| Net loans and leases to total assets | 73.7712% | 1,462 |
| Net loans and leases to deposits | 91.5397% | 1,109 |
| Net loans and leases to core deposits | 103.2278% | 1,099 |
| Total domestic deposits to total assets | 80.5893% | 5,652 |
| Equity capital to assets | 9.8384% | 4,348 |
| Core capital (leverage) ratio | 9.1584% | 4,478 |
| Tier 1 risk-based capital ratio | 11.0612% | 6,476 |
| Total risk-based capital ratio | 12.3120% | 6,464 |
| Memoranda: |
| Average total assets | $297,989,670 | 2,163 |
| Average earning assets | $270,738,670 | 2,176 |
| Average equity | $29,313,000 | 2,218 |
| Average total loans | $217,137,330 | 1,926 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3740% | 1,663 |
| Cost of funding earning assets | 1.2144% | 2,722 |
| Net interest margin | 4.1596% | 2,038 |
| Noninterest income to average assets | 0.6375% | 2,915 |
| Noninterest expense to average assets | 2.9658% | 3,787 |
| Loan and lease loss provision to assets | 0.3630% | 2,385 |
| Net operating income to assets | 1.0915% | 1,865 |
| Return on assets (ROA) | 1.0942% | 1,905 |
| Pretax return on assets | 1.0955% | 2,771 |
| Return on Equity (ROE) | 11.1240% | 1,702 |
| Retained earnings to average equity (ytd only) | 0.3891% | 5,659 |
| Net charge-offs to loans | 0.0642% | 4,288 |
| Credit loss provision to net charge-offs | 785.7143% | 485 |
| Earnings coverage of net charge-offs (x) | 31.5143% | 807 |
| Efficiency ratio | 66.8358% | 4,890 |
| Assets per employee ($millions) | 4.5863% | 2,757 |
| Cash dividends to net income (ytd only)* | 96.5018% | 626 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3974% | 4,679 |
| Loan loss allowance to noncurrent loans | 18.9433% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 8.6020% | 525 |
| Noncurrent loans to loans | 7.3770% | 712 |
| Net loans and leases to total assets | 72.1397% | 1,694 |
| Net loans and leases to deposits | 89.4546% | 1,302 |
| Net loans and leases to core deposits | 104.3680% | 1,037 |
| Total domestic deposits to total assets | 80.6439% | 5,772 |
| Equity capital to assets | 10.2226% | 3,510 |
| Core capital (leverage) ratio | 9.4990% | 3,813 |
| Tier 1 risk-based capital ratio | 11.8929% | 5,786 |
| Total risk-based capital ratio | 13.1351% | 5,792 |
| Memoranda: |
| Average total assets | $303,058,500 | 2,140 |
| Average earning assets | $275,697,000 | 2,152 |
| Average equity | $29,809,500 | 2,191 |
| Average total loans | $217,952,000 | 1,943 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9750% | 891 |
| Cost of funding earning assets | 1.6507% | 1,829 |
| Net interest margin | 4.3244% | 1,735 |
| Noninterest income to average assets | 2.9208% | 238 |
| Noninterest expense to average assets | 2.6802% | 5,083 |
| Loan and lease loss provision to assets | 0.7777% | 2,110 |
| Net operating income to assets | 3.4060% | 56 |
| Return on assets (ROA) | 3.4400% | 55 |
| Pretax return on assets | 3.4420% | 91 |
| Return on Equity (ROE) | 34.3632% | 25 |
| Retained earnings to average equity (ytd only) | 26.5869% | 20 |
| Net charge-offs to loans | 0.8482% | 2,515 |
| Credit loss provision to net charge-offs | 125.9398% | 3,225 |
| Earnings coverage of net charge-offs (x) | 6.7782% | 2,280 |
| Efficiency ratio | 39.0363% | 7,517 |
| Assets per employee ($millions) | 4.6656% | 2,602 |
| Cash dividends to net income (ytd only)* | 22.6296% | 3,353 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2484% | 5,275 |
| Loan loss allowance to noncurrent loans | 16.4306% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 8.3783% | 569 |
| Noncurrent loans to loans | 7.5983% | 707 |
| Net loans and leases to total assets | 69.8655% | 2,564 |
| Net loans and leases to deposits | 86.3559% | 2,033 |
| Net loans and leases to core deposits | 101.3716% | 1,506 |
| Total domestic deposits to total assets | 80.9042% | 5,547 |
| Equity capital to assets | 9.4734% | 4,436 |
| Core capital (leverage) ratio | 9.3084% | 3,997 |
| Tier 1 risk-based capital ratio | 11.3865% | 6,004 |
| Total risk-based capital ratio | 12.4820% | 6,139 |
| Memoranda: |
| Average total assets | $258,455,600 | 2,468 |
| Average earning assets | $235,780,800 | 2,470 |
| Average equity | $25,873,600 | 2,470 |
| Average total loans | $188,158,000 | 2,263 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0215% | 894 |
| Cost of funding earning assets | 1.7704% | 1,547 |
| Net interest margin | 4.2511% | 2,030 |
| Noninterest income to average assets | 3.9250% | 176 |
| Noninterest expense to average assets | 2.5537% | 5,496 |
| Loan and lease loss provision to assets | 0.6810% | 2,238 |
| Net operating income to assets | 4.5679% | 37 |
| Return on assets (ROA) | 4.6158% | 34 |
| Pretax return on assets | 4.6180% | 60 |
| Return on Equity (ROE) | 45.3313% | 18 |
| Retained earnings to average equity (ytd only) | 35.7721% | 15 |
| Net charge-offs to loans | 0.0645% | 5,871 |
| Credit loss provision to net charge-offs | 1,437.9310% | 212 |
| Earnings coverage of net charge-offs (x) | 110.8708% | 287 |
| Efficiency ratio | 32.7195% | 7,660 |
| Assets per employee ($millions) | 4.6936% | 2,604 |
| Cash dividends to net income (ytd only)* | 21.0874% | 2,928 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5639% | 3,688 |
| Loan loss allowance to noncurrent loans | 22.1291% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 8.4207% | 575 |
| Noncurrent loans to loans | 7.0670% | 788 |
| Net loans and leases to total assets | 72.4380% | 2,153 |
| Net loans and leases to deposits | 90.3352% | 1,677 |
| Net loans and leases to core deposits | 111.0935% | 975 |
| Total domestic deposits to total assets | 80.1880% | 5,642 |
| Equity capital to assets | 9.9232% | 4,260 |
| Core capital (leverage) ratio | 9.1761% | 4,409 |
| Tier 1 risk-based capital ratio | 11.6006% | 5,829 |
| Total risk-based capital ratio | 12.8528% | 5,818 |
| Memoranda: |
| Average total assets | $244,921,500 | 2,637 |
| Average earning assets | $223,527,000 | 2,628 |
| Average equity | $24,938,750 | 2,597 |
| Average total loans | $179,908,750 | 2,394 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0154% | 917 |
| Cost of funding earning assets | 1.8385% | 1,493 |
| Net interest margin | 4.1768% | 2,239 |
| Noninterest income to average assets | 0.4954% | 4,157 |
| Noninterest expense to average assets | 2.4966% | 5,728 |
| Loan and lease loss provision to assets | 0.6671% | 2,168 |
| Net operating income to assets | 1.1722% | 1,639 |
| Return on assets (ROA) | 1.2505% | 1,488 |
| Pretax return on assets | 1.2532% | 2,247 |
| Return on Equity (ROE) | 12.1415% | 1,418 |
| Retained earnings to average equity (ytd only) | -1.3644% | 6,042 |
| Net charge-offs to loans | 0.0061% | 6,284 |
| Credit loss provision to net charge-offs | 15,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 414.2000% | 82 |
| Efficiency ratio | 57.5441% | 6,446 |
| Assets per employee ($millions) | 4.7842% | 2,466 |
| Cash dividends to net income (ytd only)* | 111.2376% | 352 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8519% | 2,558 |
| Loan loss allowance to noncurrent loans | 126.1011% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 1.8932% | 3,631 |
| Noncurrent loans to loans | 1.4686% | 4,506 |
| Net loans and leases to total assets | 72.8791% | 2,193 |
| Net loans and leases to deposits | 93.1171% | 1,381 |
| Net loans and leases to core deposits | 108.8727% | 1,240 |
| Total domestic deposits to total assets | 78.2661% | 6,208 |
| Equity capital to assets | 10.2377% | 3,722 |
| Core capital (leverage) ratio | 9.7134% | 3,520 |
| Tier 1 risk-based capital ratio | 12.1965% | 5,135 |
| Total risk-based capital ratio | 13.4524% | 5,096 |
| Memoranda: |
| Average total assets | $224,867,670 | 2,873 |
| Average earning assets | $206,904,000 | 2,849 |
| Average equity | $23,160,330 | 2,774 |
| Average total loans | $165,042,670 | 2,623 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9262% | 1,141 |
| Cost of funding earning assets | 1.9089% | 1,413 |
| Net interest margin | 4.0173% | 2,803 |
| Noninterest income to average assets | 0.4838% | 4,168 |
| Noninterest expense to average assets | 2.5116% | 5,686 |
| Loan and lease loss provision to assets | 0.6670% | 1,901 |
| Net operating income to assets | 0.9926% | 2,217 |
| Return on assets (ROA) | 1.1491% | 1,760 |
| Pretax return on assets | 1.1526% | 2,543 |
| Return on Equity (ROE) | 11.1233% | 1,748 |
| Retained earnings to average equity (ytd only) | 2.5139% | 4,627 |
| Net charge-offs to loans | 0.0024% | 5,589 |
| Credit loss provision to net charge-offs | 37,500.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 935.0000% | 21 |
| Efficiency ratio | 60.1619% | 6,138 |
| Assets per employee ($millions) | 4.6168% | 2,769 |
| Cash dividends to net income (ytd only)* | 77.3994% | 893 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6794% | 3,140 |
| Loan loss allowance to noncurrent loans | 131.4493% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 1.7499% | 3,853 |
| Noncurrent loans to loans | 1.2776% | 4,844 |
| Net loans and leases to total assets | 71.8836% | 2,477 |
| Net loans and leases to deposits | 96.0240% | 1,101 |
| Net loans and leases to core deposits | 111.2750% | 1,202 |
| Total domestic deposits to total assets | 74.8600% | 6,923 |
| Equity capital to assets | 10.5371% | 3,212 |
| Core capital (leverage) ratio | 9.9599% | 3,215 |
| Tier 1 risk-based capital ratio | 12.4903% | 4,767 |
| Total risk-based capital ratio | 13.7441% | 4,707 |
| Memoranda: |
| Average total assets | $224,873,500 | 2,930 |
| Average earning assets | $206,607,500 | 2,914 |
| Average equity | $23,230,500 | 2,802 |
| Average total loans | $164,081,500 | 2,700 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9894% | 1,915 |
| Cost of funding earning assets | 2.3570% | 1,436 |
| Net interest margin | 3.6325% | 4,416 |
| Noninterest income to average assets | 0.5617% | 3,929 |
| Noninterest expense to average assets | 2.6320% | 5,662 |
| Loan and lease loss provision to assets | 0.3151% | 4,928 |
| Net operating income to assets | 0.9645% | 1,966 |
| Return on assets (ROA) | 0.9689% | 2,004 |
| Pretax return on assets | 0.9712% | 2,684 |
| Return on Equity (ROE) | 9.7586% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.0986% | 1,319 |
| Net charge-offs to loans | 0.0616% | 6,486 |
| Credit loss provision to net charge-offs | 711.1111% | 407 |
| Earnings coverage of net charge-offs (x) | 28.9293% | 792 |
| Efficiency ratio | 67.2499% | 5,139 |
| Assets per employee ($millions) | 4.6559% | 2,678 |
| Cash dividends to net income (ytd only)* | 37.5058% | 3,031 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4126% | 4,164 |
| Loan loss allowance to noncurrent loans | 97.1843% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.8335% | 3,624 |
| Noncurrent loans to loans | 1.4536% | 4,489 |
| Net loans and leases to total assets | 71.7963% | 2,808 |
| Net loans and leases to deposits | 96.6730% | 1,244 |
| Net loans and leases to core deposits | 112.2029% | 2,680 |
| Total domestic deposits to total assets | 74.2671% | 6,981 |
| Equity capital to assets | 10.1297% | 3,588 |
| Core capital (leverage) ratio | 9.7709% | 3,366 |
| Tier 1 risk-based capital ratio | 11.9703% | 4,968 |
| Total risk-based capital ratio | 13.2207% | 4,923 |
| Memoranda: |
| Average total assets | $223,439,400 | 2,899 |
| Average earning assets | $206,196,400 | 2,887 |
| Average equity | $22,185,600 | 2,929 |
| Average total loans | $160,636,200 | 2,754 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9522% | 2,223 |
| Cost of funding earning assets | 2.4427% | 1,480 |
| Net interest margin | 3.5095% | 4,824 |
| Noninterest income to average assets | 0.5417% | 4,143 |
| Noninterest expense to average assets | 2.7360% | 5,167 |
| Loan and lease loss provision to assets | 0.2363% | 5,081 |
| Net operating income to assets | 0.8110% | 2,765 |
| Return on assets (ROA) | 0.8170% | 2,804 |
| Pretax return on assets | 0.8194% | 3,478 |
| Return on Equity (ROE) | 8.2714% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.2714% | 1,054 |
| Net charge-offs to loans | -0.0176% | 7,750 |
| Credit loss provision to net charge-offs | -1,876.1905% | 7,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2706% | 4,198 |
| Assets per employee ($millions) | 4.8486% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3317% | 4,308 |
| Loan loss allowance to noncurrent loans | 89.5764% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.8723% | 3,552 |
| Noncurrent loans to loans | 1.4866% | 4,435 |
| Net loans and leases to total assets | 71.6554% | 3,119 |
| Net loans and leases to deposits | 99.4994% | 1,157 |
| Net loans and leases to core deposits | 114.0392% | 2,824 |
| Total domestic deposits to total assets | 72.0159% | 7,209 |
| Equity capital to assets | 10.4669% | 3,551 |
| Core capital (leverage) ratio | 9.9483% | 3,339 |
| Tier 1 risk-based capital ratio | 12.1292% | 4,856 |
| Total risk-based capital ratio | 13.3196% | 4,849 |
| Memoranda: |
| Average total assets | $222,264,250 | 2,927 |
| Average earning assets | $205,454,500 | 2,914 |
| Average equity | $21,954,500 | 2,979 |
| Average total loans | $159,259,500 | 2,803 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8703% | 2,715 |
| Cost of funding earning assets | 2.5426% | 1,470 |
| Net interest margin | 3.3277% | 5,449 |
| Noninterest income to average assets | 0.5703% | 3,893 |
| Noninterest expense to average assets | 2.7576% | 5,143 |
| Loan and lease loss provision to assets | 0.2369% | 4,693 |
| Net operating income to assets | 0.6504% | 3,464 |
| Return on assets (ROA) | 0.6585% | 3,543 |
| Pretax return on assets | 0.6612% | 4,127 |
| Return on Equity (ROE) | 6.8028% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.8028% | 1,663 |
| Net charge-offs to loans | -0.1427% | 8,002 |
| Credit loss provision to net charge-offs | -232.7434% | 6,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5989% | 3,767 |
| Assets per employee ($millions) | 4.6902% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3298% | 4,097 |
| Loan loss allowance to noncurrent loans | 87.4484% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.9316% | 3,301 |
| Noncurrent loans to loans | 1.5207% | 4,216 |
| Net loans and leases to total assets | 71.2909% | 3,404 |
| Net loans and leases to deposits | 98.6095% | 1,441 |
| Net loans and leases to core deposits | 111.6667% | 3,185 |
| Total domestic deposits to total assets | 72.2962% | 7,206 |
| Equity capital to assets | 9.9170% | 4,060 |
| Core capital (leverage) ratio | 9.8284% | 3,479 |
| Tier 1 risk-based capital ratio | 12.0758% | 4,850 |
| Total risk-based capital ratio | 13.2739% | 4,823 |
| Memoranda: |
| Average total assets | $222,006,670 | 2,951 |
| Average earning assets | $205,304,670 | 2,932 |
| Average equity | $21,491,000 | 3,037 |
| Average total loans | $158,354,330 | 2,848 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8261% | 3,166 |
| Cost of funding earning assets | 2.6787% | 1,327 |
| Net interest margin | 3.1474% | 6,030 |
| Noninterest income to average assets | 0.5548% | 3,880 |
| Noninterest expense to average assets | 2.4795% | 5,916 |
| Loan and lease loss provision to assets | 0.2352% | 4,101 |
| Net operating income to assets | 0.7559% | 3,324 |
| Return on assets (ROA) | 0.7648% | 3,454 |
| Pretax return on assets | 0.7666% | 4,201 |
| Return on Equity (ROE) | 7.9977% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.9977% | 1,818 |
| Net charge-offs to loans | 0.0735% | 4,451 |
| Credit loss provision to net charge-offs | 451.7241% | 1,170 |
| Earnings coverage of net charge-offs (x) | 19.0690% | 1,432 |
| Efficiency ratio | 71.4064% | 4,288 |
| Assets per employee ($millions) | 4.5603% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1890% | 4,875 |
| Loan loss allowance to noncurrent loans | 41.8520% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.0439% | 2,832 |
| Noncurrent loans to loans | 2.8409% | 2,301 |
| Net loans and leases to total assets | 70.0088% | 3,666 |
| Net loans and leases to deposits | 101.4579% | 1,236 |
| Net loans and leases to core deposits | 117.3284% | 2,656 |
| Total domestic deposits to total assets | 69.0028% | 7,516 |
| Equity capital to assets | 9.9217% | 4,084 |
| Core capital (leverage) ratio | 9.4314% | 4,065 |
| Tier 1 risk-based capital ratio | 12.3082% | 4,698 |
| Total risk-based capital ratio | 13.3867% | 4,734 |
| Memoranda: |
| Average total assets | $222,790,500 | 2,960 |
| Average earning assets | $206,517,500 | 2,930 |
| Average equity | $21,306,000 | 3,075 |
| Average total loans | $157,896,000 | 2,881 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4452% | 3,205 |
| Cost of funding earning assets | 3.1460% | 1,367 |
| Net interest margin | 3.2992% | 6,037 |
| Noninterest income to average assets | 0.5093% | 4,547 |
| Noninterest expense to average assets | 2.4133% | 6,353 |
| Loan and lease loss provision to assets | 0.1723% | 5,181 |
| Net operating income to assets | 0.9685% | 2,702 |
| Return on assets (ROA) | 1.0348% | 2,310 |
| Pretax return on assets | 1.0393% | 3,239 |
| Return on Equity (ROE) | 11.3725% | 1,799 |
| Retained earnings to average equity (ytd only) | -4.3924% | 6,398 |
| Net charge-offs to loans | 0.1106% | 5,168 |
| Credit loss provision to net charge-offs | 223.3918% | 2,133 |
| Earnings coverage of net charge-offs (x) | 14.8480% | 1,997 |
| Efficiency ratio | 67.8159% | 4,753 |
| Assets per employee ($millions) | 4.8231% | 2,151 |
| Cash dividends to net income (ytd only)* | 138.6225% | 537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0834% | 5,389 |
| Loan loss allowance to noncurrent loans | 60.6409% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.2665% | 3,691 |
| Noncurrent loans to loans | 1.7865% | 3,082 |
| Net loans and leases to total assets | 70.1240% | 3,986 |
| Net loans and leases to deposits | 101.5673% | 1,629 |
| Net loans and leases to core deposits | 117.6451% | 2,931 |
| Total domestic deposits to total assets | 69.0419% | 7,383 |
| Equity capital to assets | 9.2171% | 5,052 |
| Core capital (leverage) ratio | 9.2771% | 4,331 |
| Tier 1 risk-based capital ratio | 11.7055% | 5,053 |
| Total risk-based capital ratio | 12.6940% | 5,193 |
| Memoranda: |
| Average total assets | $221,690,200 | 2,857 |
| Average earning assets | $204,896,000 | 2,843 |
| Average equity | $20,171,400 | 3,205 |
| Average total loans | $154,587,200 | 2,852 |
