| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3589% | 403 |
| Cost of funding earning assets | 1.8518% | 1,158 |
| Net interest margin | 4.5072% | 611 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.8955% | 1,278 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.3258% | 1,379 |
| Return on assets (ROA) | 1.3050% | 1,391 |
| Pretax return on assets | 1.6613% | 1,134 |
| Return on Equity (ROE) | 12.8600% | 1,765 |
| Retained earnings to average equity (ytd only) | 10.2708% | 948 |
| Net charge-offs to loans | 0.3669% | 292 |
| Credit loss provision to net charge-offs | 131.5471% | 1,586 |
| Earnings coverage of net charge-offs (x) | 7.3924% | 2,412 |
| Efficiency ratio | 58.6072% | 3,228 |
| Assets per employee ($millions) | 5.1176% | 3,550 |
| Cash dividends to net income (ytd only)* | 20.1539% | 2,933 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6586% | 742 |
| Loan loss allowance to noncurrent loans | 449.6954% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 1,874 |
| Noncurrent loans to loans | 0.3688% | 1,882 |
| Net loans and leases to total assets | 72.1300% | 1,563 |
| Net loans and leases to deposits | 89.7699% | 1,288 |
| Net loans and leases to core deposits | 99.5801% | 1,458 |
| Total domestic deposits to total assets | 80.3500% | 3,407 |
| Equity capital to assets | 10.7166% | 1,622 |
| Core capital (leverage) ratio | 10.9457% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $418,233,400 | 1,959 |
| Average earning assets | $394,328,600 | 1,929 |
| Average equity | $42,430,800 | 1,800 |
| Average total loans | $315,371,000 | 1,741 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2235% | 405 |
| Cost of funding earning assets | 1.7513% | 1,095 |
| Net interest margin | 4.4722% | 644 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.8529% | 1,315 |
| Loan and lease loss provision to assets | 0.4100% | 203 |
| Net operating income to assets | 1.3186% | 1,504 |
| Return on assets (ROA) | 1.3186% | 1,486 |
| Pretax return on assets | 1.6479% | 1,265 |
| Return on Equity (ROE) | 13.1900% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.6258% | 1,234 |
| Net charge-offs to loans | 0.4000% | 215 |
| Credit loss provision to net charge-offs | 138.3562% | 1,370 |
| Earnings coverage of net charge-offs (x) | 6.7808% | 2,266 |
| Efficiency ratio | 58.0754% | 3,198 |
| Assets per employee ($millions) | 5.0573% | 3,562 |
| Cash dividends to net income (ytd only)* | 19.4175% | 2,484 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6244% | 849 |
| Loan loss allowance to noncurrent loans | 1,080.7531% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 2,819 |
| Noncurrent loans to loans | 0.1503% | 2,804 |
| Net loans and leases to total assets | 73.6500% | 1,380 |
| Net loans and leases to deposits | 92.4970% | 1,012 |
| Net loans and leases to core deposits | 101.4514% | 1,241 |
| Total domestic deposits to total assets | 79.6200% | 3,583 |
| Equity capital to assets | 10.2333% | 1,683 |
| Core capital (leverage) ratio | 10.8179% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $416,601,000 | 1,966 |
| Average earning assets | $392,608,250 | 1,938 |
| Average equity | $41,658,500 | 1,810 |
| Average total loans | $316,331,000 | 1,737 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0668% | 411 |
| Cost of funding earning assets | 1.5246% | 1,202 |
| Net interest margin | 4.5421% | 582 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.9188% | 1,175 |
| Loan and lease loss provision to assets | 0.3800% | 226 |
| Net operating income to assets | 1.3521% | 1,447 |
| Return on assets (ROA) | 1.3521% | 1,432 |
| Pretax return on assets | 1.6909% | 1,232 |
| Return on Equity (ROE) | 13.6300% | 1,764 |
| Retained earnings to average equity (ytd only) | 10.7079% | 1,246 |
| Net charge-offs to loans | 0.4465% | 195 |
| Credit loss provision to net charge-offs | 113.3333% | 1,360 |
| Earnings coverage of net charge-offs (x) | 6.0752% | 2,141 |
| Efficiency ratio | 58.5101% | 3,130 |
| Assets per employee ($millions) | 5.1017% | 3,504 |
| Cash dividends to net income (ytd only)* | 21.4439% | 2,400 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5318% | 1,085 |
| Loan loss allowance to noncurrent loans | 493.0514% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 1,972 |
| Noncurrent loans to loans | 0.3107% | 2,029 |
| Net loans and leases to total assets | 74.3300% | 1,243 |
| Net loans and leases to deposits | 94.3883% | 825 |
| Net loans and leases to core deposits | 103.0858% | 1,090 |
| Total domestic deposits to total assets | 78.7400% | 3,757 |
| Equity capital to assets | 10.0147% | 1,855 |
| Core capital (leverage) ratio | 10.9225% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $413,862,333 | 1,971 |
| Average earning assets | $389,991,667 | 1,945 |
| Average equity | $41,053,667 | 1,842 |
| Average total loans | $315,766,000 | 1,724 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9390% | 334 |
| Cost of funding earning assets | 1.4609% | 917 |
| Net interest margin | 4.4781% | 603 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.9990% | 1,063 |
| Loan and lease loss provision to assets | 0.4500% | 174 |
| Net operating income to assets | 1.1929% | 1,951 |
| Return on assets (ROA) | 1.1929% | 1,911 |
| Pretax return on assets | 1.4921% | 1,690 |
| Return on Equity (ROE) | 12.0900% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.1140% | 1,915 |
| Net charge-offs to loans | 0.6844% | 116 |
| Credit loss provision to net charge-offs | 85.4749% | 1,187 |
| Earnings coverage of net charge-offs (x) | 3.6965% | 1,875 |
| Efficiency ratio | 60.7086% | 2,857 |
| Assets per employee ($millions) | 5.0625% | 3,614 |
| Cash dividends to net income (ytd only)* | 24.5902% | 1,867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5130% | 1,217 |
| Loan loss allowance to noncurrent loans | 385.9477% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 1,583 |
| Noncurrent loans to loans | 0.3920% | 1,756 |
| Net loans and leases to total assets | 74.9900% | 1,083 |
| Net loans and leases to deposits | 91.7139% | 938 |
| Net loans and leases to core deposits | 101.7558% | 1,010 |
| Total domestic deposits to total assets | 81.7700% | 3,518 |
| Equity capital to assets | 10.0155% | 1,817 |
| Core capital (leverage) ratio | 10.6581% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $409,075,000 | 2,009 |
| Average earning assets | $385,787,000 | 1,981 |
| Average equity | $40,377,500 | 1,883 |
| Average total loans | $313,841,000 | 1,744 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6477% | 130 |
| Cost of funding earning assets | 0.5881% | 948 |
| Net interest margin | 5.0596% | 130 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 3.0269% | 933 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 1.6695% | 583 |
| Return on assets (ROA) | 1.6695% | 553 |
| Pretax return on assets | 2.1018% | 378 |
| Return on Equity (ROE) | 17.1000% | 845 |
| Retained earnings to average equity (ytd only) | 14.7257% | 314 |
| Net charge-offs to loans | 0.0618% | 1,031 |
| Credit loss provision to net charge-offs | 698.3607% | 544 |
| Earnings coverage of net charge-offs (x) | 51.5137% | 1,341 |
| Efficiency ratio | 55.4553% | 3,635 |
| Assets per employee ($millions) | 5.2998% | 3,421 |
| Cash dividends to net income (ytd only)* | 13.9039% | 3,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5553% | 1,061 |
| Loan loss allowance to noncurrent loans | 264.6170% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 1,069 |
| Noncurrent loans to loans | 0.5877% | 1,270 |
| Net loans and leases to total assets | 76.1000% | 999 |
| Net loans and leases to deposits | 93.7295% | 802 |
| Net loans and leases to core deposits | 105.3160% | 776 |
| Total domestic deposits to total assets | 81.1900% | 3,731 |
| Equity capital to assets | 9.7247% | 1,870 |
| Core capital (leverage) ratio | 10.4242% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $387,718,000 | 2,070 |
| Average earning assets | $363,564,600 | 2,056 |
| Average equity | $37,845,400 | 2,005 |
| Average total loans | $296,069,400 | 1,739 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5439% | 109 |
| Cost of funding earning assets | 0.4629% | 919 |
| Net interest margin | 5.0810% | 108 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.9853% | 922 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 1.7162% | 512 |
| Return on assets (ROA) | 1.7162% | 500 |
| Pretax return on assets | 2.1448% | 353 |
| Return on Equity (ROE) | 17.5600% | 697 |
| Retained earnings to average equity (ytd only) | 16.8510% | 222 |
| Net charge-offs to loans | 0.0636% | 856 |
| Credit loss provision to net charge-offs | 729.4964% | 499 |
| Earnings coverage of net charge-offs (x) | 51.5755% | 1,268 |
| Efficiency ratio | 54.4420% | 3,784 |
| Assets per employee ($millions) | 5.1040% | 3,589 |
| Cash dividends to net income (ytd only)* | 4.0609% | 2,997 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4884% | 1,323 |
| Loan loss allowance to noncurrent loans | 317.0501% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 1,436 |
| Noncurrent loans to loans | 0.4695% | 1,628 |
| Net loans and leases to total assets | 75.0200% | 1,008 |
| Net loans and leases to deposits | 89.9074% | 894 |
| Net loans and leases to core deposits | 99.9298% | 818 |
| Total domestic deposits to total assets | 83.4400% | 3,620 |
| Equity capital to assets | 9.3262% | 1,999 |
| Core capital (leverage) ratio | 10.4204% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $382,626,000 | 2,110 |
| Average earning assets | $358,032,000 | 2,085 |
| Average equity | $37,385,500 | 2,047 |
| Average total loans | $291,225,500 | 1,757 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4792% | 101 |
| Cost of funding earning assets | 0.3574% | 1,208 |
| Net interest margin | 5.1218% | 98 |
| Noninterest income to average assets | 0.7418% | 1,194 |
| Noninterest expense to average assets | 2.9407% | 924 |
| Loan and lease loss provision to assets | 0.3626% | 163 |
| Net operating income to assets | 1.7730% | 362 |
| Return on assets (ROA) | 1.7730% | 355 |
| Pretax return on assets | 2.2183% | 238 |
| Return on Equity (ROE) | 17.8457% | 490 |
| Retained earnings to average equity (ytd only) | 17.8457% | 122 |
| Net charge-offs to loans | 0.0106% | 1,591 |
| Credit loss provision to net charge-offs | 4,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 320.3333% | 381 |
| Efficiency ratio | 53.2588% | 4,027 |
| Assets per employee ($millions) | 4.6314% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4772% | 1,467 |
| Loan loss allowance to noncurrent loans | 1,185.6764% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 2,194 |
| Noncurrent loans to loans | 0.1246% | 3,097 |
| Net loans and leases to total assets | 76.6313% | 670 |
| Net loans and leases to deposits | 88.7543% | 791 |
| Net loans and leases to core deposits | 93.9124% | 919 |
| Total domestic deposits to total assets | 86.3410% | 3,161 |
| Equity capital to assets | 9.7413% | 1,857 |
| Core capital (leverage) ratio | 10.5594% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $372,359,000 | 2,150 |
| Average earning assets | $347,493,667 | 2,154 |
| Average equity | $36,995,000 | 2,110 |
| Average total loans | $283,358,667 | 1,784 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3717% | 103 |
| Cost of funding earning assets | 0.3188% | 1,479 |
| Net interest margin | 5.0529% | 95 |
| Noninterest income to average assets | 0.7659% | 1,130 |
| Noninterest expense to average assets | 3.0361% | 778 |
| Loan and lease loss provision to assets | 0.2527% | 256 |
| Net operating income to assets | 1.7417% | 374 |
| Return on assets (ROA) | 1.7417% | 376 |
| Pretax return on assets | 2.1801% | 263 |
| Return on Equity (ROE) | 17.3489% | 387 |
| Retained earnings to average equity (ytd only) | 17.3489% | 164 |
| Net charge-offs to loans | -0.2309% | 4,628 |
| Credit loss provision to net charge-offs | -145.5696% | 2,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5154% | 3,919 |
| Assets per employee ($millions) | 4.7738% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4873% | 1,589 |
| Loan loss allowance to noncurrent loans | 253.1043% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 1,025 |
| Noncurrent loans to loans | 0.5876% | 1,581 |
| Net loans and leases to total assets | 74.6944% | 600 |
| Net loans and leases to deposits | 85.1114% | 796 |
| Net loans and leases to core deposits | 90.0946% | 921 |
| Total domestic deposits to total assets | 87.7608% | 2,643 |
| Equity capital to assets | 9.8442% | 2,009 |
| Core capital (leverage) ratio | 10.5555% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $364,021,500 | 2,188 |
| Average earning assets | $338,812,500 | 2,198 |
| Average equity | $36,544,000 | 2,194 |
| Average total loans | $273,742,000 | 1,823 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4258% | 140 |
| Cost of funding earning assets | 0.3298% | 2,123 |
| Net interest margin | 5.0960% | 122 |
| Noninterest income to average assets | 0.6812% | 1,831 |
| Noninterest expense to average assets | 2.9280% | 1,101 |
| Loan and lease loss provision to assets | 0.2245% | 447 |
| Net operating income to assets | 1.7872% | 523 |
| Return on assets (ROA) | 1.7872% | 545 |
| Pretax return on assets | 2.2600% | 368 |
| Return on Equity (ROE) | 18.2214% | 445 |
| Retained earnings to average equity (ytd only) | 15.2985% | 204 |
| Net charge-offs to loans | 0.1643% | 584 |
| Credit loss provision to net charge-offs | 190.9756% | 1,336 |
| Earnings coverage of net charge-offs (x) | 21.1366% | 1,830 |
| Efficiency ratio | 54.0971% | 3,918 |
| Assets per employee ($millions) | 4.5600% | 4,068 |
| Cash dividends to net income (ytd only)* | 16.0411% | 3,164 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4373% | 1,775 |
| Loan loss allowance to noncurrent loans | 1,229.3548% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 2,137 |
| Noncurrent loans to loans | 0.1169% | 3,350 |
| Net loans and leases to total assets | 73.4761% | 709 |
| Net loans and leases to deposits | 83.2403% | 970 |
| Net loans and leases to core deposits | 89.3737% | 994 |
| Total domestic deposits to total assets | 88.2699% | 1,889 |
| Equity capital to assets | 10.2428% | 2,427 |
| Core capital (leverage) ratio | 10.4120% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $348,806,000 | 2,204 |
| Average earning assets | $323,843,800 | 2,214 |
| Average equity | $34,212,600 | 2,327 |
| Average total loans | $249,537,200 | 1,929 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4034% | 170 |
| Cost of funding earning assets | 0.3225% | 2,380 |
| Net interest margin | 5.0809% | 142 |
| Noninterest income to average assets | 0.6661% | 1,951 |
| Noninterest expense to average assets | 2.9402% | 1,060 |
| Loan and lease loss provision to assets | 0.1855% | 569 |
| Net operating income to assets | 1.7836% | 689 |
| Return on assets (ROA) | 1.7836% | 724 |
| Pretax return on assets | 2.2549% | 497 |
| Return on Equity (ROE) | 18.3925% | 580 |
| Retained earnings to average equity (ytd only) | 15.4215% | 343 |
| Net charge-offs to loans | 0.2030% | 412 |
| Credit loss provision to net charge-offs | 129.1444% | 1,423 |
| Earnings coverage of net charge-offs (x) | 16.9866% | 1,825 |
| Efficiency ratio | 54.6441% | 3,710 |
| Assets per employee ($millions) | 4.6303% | 4,026 |
| Cash dividends to net income (ytd only)* | 16.1533% | 2,726 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3333% | 2,316 |
| Loan loss allowance to noncurrent loans | 1,927.7174% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 2,571 |
| Noncurrent loans to loans | 0.0692% | 3,751 |
| Net loans and leases to total assets | 72.6769% | 810 |
| Net loans and leases to deposits | 82.7540% | 1,048 |
| Net loans and leases to core deposits | 88.7313% | 1,111 |
| Total domestic deposits to total assets | 87.8228% | 1,948 |
| Equity capital to assets | 9.7863% | 3,117 |
| Core capital (leverage) ratio | 9.9101% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $347,086,750 | 2,236 |
| Average earning assets | $322,063,250 | 2,244 |
| Average equity | $33,657,750 | 2,378 |
| Average total loans | $245,633,250 | 1,986 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4934% | 176 |
| Cost of funding earning assets | 0.3400% | 2,406 |
| Net interest margin | 5.1534% | 143 |
| Noninterest income to average assets | 0.6560% | 1,986 |
| Noninterest expense to average assets | 2.9802% | 1,018 |
| Loan and lease loss provision to assets | 0.1577% | 737 |
| Net operating income to assets | 1.8377% | 661 |
| Return on assets (ROA) | 1.8377% | 688 |
| Pretax return on assets | 2.3260% | 463 |
| Return on Equity (ROE) | 19.0117% | 543 |
| Retained earnings to average equity (ytd only) | 19.0117% | 190 |
| Net charge-offs to loans | 0.2227% | 391 |
| Credit loss provision to net charge-offs | 101.5038% | 1,350 |
| Earnings coverage of net charge-offs (x) | 15.9850% | 1,620 |
| Efficiency ratio | 54.5435% | 3,734 |
| Assets per employee ($millions) | 4.6711% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3309% | 2,283 |
| Loan loss allowance to noncurrent loans | 234.1497% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 1,843 |
| Noncurrent loans to loans | 0.5684% | 1,977 |
| Net loans and leases to total assets | 70.9485% | 1,091 |
| Net loans and leases to deposits | 80.6286% | 1,366 |
| Net loans and leases to core deposits | 86.0068% | 1,415 |
| Total domestic deposits to total assets | 87.9942% | 1,823 |
| Equity capital to assets | 9.6162% | 3,235 |
| Core capital (leverage) ratio | 9.6895% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $342,393,333 | 2,241 |
| Average earning assets | $319,438,667 | 2,243 |
| Average equity | $33,095,333 | 2,398 |
| Average total loans | $238,833,667 | 2,040 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2274% | 261 |
| Cost of funding earning assets | 0.3835% | 2,230 |
| Net interest margin | 4.8440% | 229 |
| Noninterest income to average assets | 0.6340% | 2,078 |
| Noninterest expense to average assets | 3.1317% | 801 |
| Loan and lease loss provision to assets | 0.0144% | 2,597 |
| Net operating income to assets | 1.5892% | 1,147 |
| Return on assets (ROA) | 1.5892% | 1,198 |
| Pretax return on assets | 2.0147% | 924 |
| Return on Equity (ROE) | 16.3959% | 946 |
| Retained earnings to average equity (ytd only) | 16.3959% | 478 |
| Net charge-offs to loans | 0.2883% | 294 |
| Credit loss provision to net charge-offs | 7.2727% | 1,457 |
| Earnings coverage of net charge-offs (x) | 10.2606% | 1,504 |
| Efficiency ratio | 60.6828% | 2,953 |
| Assets per employee ($millions) | 4.7073% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3926% | 1,994 |
| Loan loss allowance to noncurrent loans | 197.1789% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 1,976 |
| Noncurrent loans to loans | 0.7063% | 1,826 |
| Net loans and leases to total assets | 65.8847% | 1,810 |
| Net loans and leases to deposits | 74.8864% | 2,033 |
| Net loans and leases to core deposits | 79.7853% | 2,024 |
| Total domestic deposits to total assets | 87.9796% | 1,855 |
| Equity capital to assets | 9.2916% | 3,401 |
| Core capital (leverage) ratio | 9.9036% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $333,752,500 | 2,266 |
| Average earning assets | $311,894,000 | 2,259 |
| Average equity | $32,349,500 | 2,425 |
| Average total loans | $228,937,500 | 2,100 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6911% | 138 |
| Cost of funding earning assets | 0.6566% | 1,951 |
| Net interest margin | 5.0345% | 117 |
| Noninterest income to average assets | 0.6845% | 1,915 |
| Noninterest expense to average assets | 3.3206% | 885 |
| Loan and lease loss provision to assets | 0.4875% | 525 |
| Net operating income to assets | 1.2854% | 1,289 |
| Return on assets (ROA) | 1.2854% | 1,389 |
| Pretax return on assets | 1.5168% | 1,280 |
| Return on Equity (ROE) | 11.9254% | 1,341 |
| Retained earnings to average equity (ytd only) | 11.9254% | 322 |
| Net charge-offs to loans | 0.3418% | 510 |
| Credit loss provision to net charge-offs | 192.5562% | 2,195 |
| Earnings coverage of net charge-offs (x) | 7.9171% | 2,651 |
| Efficiency ratio | 62.3598% | 3,065 |
| Assets per employee ($millions) | 4.2521% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5488% | 1,434 |
| Loan loss allowance to noncurrent loans | 155.1444% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 1,480 |
| Noncurrent loans to loans | 0.9983% | 1,420 |
| Net loans and leases to total assets | 69.4558% | 1,623 |
| Net loans and leases to deposits | 78.4292% | 2,032 |
| Net loans and leases to core deposits | 85.7625% | 1,890 |
| Total domestic deposits to total assets | 88.5586% | 1,188 |
| Equity capital to assets | 10.2191% | 2,914 |
| Core capital (leverage) ratio | 10.2560% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $281,243,600 | 2,395 |
| Average earning assets | $259,229,200 | 2,406 |
| Average equity | $30,313,400 | 2,464 |
| Average total loans | $208,294,200 | 2,174 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8471% | 136 |
| Cost of funding earning assets | 0.7365% | 1,821 |
| Net interest margin | 5.1105% | 115 |
| Noninterest income to average assets | 0.6425% | 2,012 |
| Noninterest expense to average assets | 3.2637% | 963 |
| Loan and lease loss provision to assets | 0.6098% | 408 |
| Net operating income to assets | 1.2689% | 1,429 |
| Return on assets (ROA) | 1.2689% | 1,541 |
| Pretax return on assets | 1.4574% | 1,552 |
| Return on Equity (ROE) | 11.5988% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.5988% | 486 |
| Net charge-offs to loans | 0.1360% | 1,063 |
| Credit loss provision to net charge-offs | 597.1292% | 1,168 |
| Earnings coverage of net charge-offs (x) | 20.2440% | 1,906 |
| Efficiency ratio | 61.2226% | 3,190 |
| Assets per employee ($millions) | 4.1414% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7442% | 817 |
| Loan loss allowance to noncurrent loans | 128.5955% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9957% | 1,119 |
| Noncurrent loans to loans | 1.3563% | 1,083 |
| Net loans and leases to total assets | 72.1313% | 1,646 |
| Net loans and leases to deposits | 83.6590% | 1,943 |
| Net loans and leases to core deposits | 92.3230% | 1,768 |
| Total domestic deposits to total assets | 86.2206% | 1,974 |
| Equity capital to assets | 10.4610% | 2,827 |
| Core capital (leverage) ratio | 10.7204% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $272,890,750 | 2,416 |
| Average earning assets | $250,353,000 | 2,446 |
| Average equity | $29,853,000 | 2,481 |
| Average total loans | $204,871,750 | 2,198 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9921% | 148 |
| Cost of funding earning assets | 0.8198% | 1,732 |
| Net interest margin | 5.1723% | 146 |
| Noninterest income to average assets | 0.6761% | 1,827 |
| Noninterest expense to average assets | 3.2965% | 1,004 |
| Loan and lease loss provision to assets | 0.5838% | 556 |
| Net operating income to assets | 1.2055% | 1,625 |
| Return on assets (ROA) | 1.2055% | 1,754 |
| Pretax return on assets | 1.5292% | 1,391 |
| Return on Equity (ROE) | 10.8412% | 1,686 |
| Retained earnings to average equity (ytd only) | 10.8412% | 631 |
| Net charge-offs to loans | 0.1469% | 984 |
| Credit loss provision to net charge-offs | 525.1701% | 1,190 |
| Earnings coverage of net charge-offs (x) | 19.0068% | 1,742 |
| Efficiency ratio | 60.9395% | 3,284 |
| Assets per employee ($millions) | 4.1247% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6075% | 991 |
| Loan loss allowance to noncurrent loans | 130.1721% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 1,332 |
| Noncurrent loans to loans | 1.2349% | 1,263 |
| Net loans and leases to total assets | 73.2068% | 1,527 |
| Net loans and leases to deposits | 86.0011% | 1,763 |
| Net loans and leases to core deposits | 95.9603% | 1,584 |
| Total domestic deposits to total assets | 85.1231% | 2,342 |
| Equity capital to assets | 10.6124% | 2,651 |
| Core capital (leverage) ratio | 10.7945% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $264,459,667 | 2,445 |
| Average earning assets | $242,018,000 | 2,479 |
| Average equity | $29,406,333 | 2,499 |
| Average total loans | $200,195,000 | 2,217 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2222% | 126 |
| Cost of funding earning assets | 0.9071% | 1,823 |
| Net interest margin | 5.3151% | 126 |
| Noninterest income to average assets | 0.7280% | 1,537 |
| Noninterest expense to average assets | 3.5033% | 932 |
| Loan and lease loss provision to assets | 0.2673% | 1,163 |
| Net operating income to assets | 1.4246% | 934 |
| Return on assets (ROA) | 1.4246% | 1,008 |
| Pretax return on assets | 1.8035% | 692 |
| Return on Equity (ROE) | 12.4931% | 989 |
| Retained earnings to average equity (ytd only) | 12.4931% | 372 |
| Net charge-offs to loans | 0.1831% | 739 |
| Credit loss provision to net charge-offs | 191.0112% | 1,444 |
| Earnings coverage of net charge-offs (x) | 14.7978% | 1,585 |
| Efficiency ratio | 62.8491% | 3,389 |
| Assets per employee ($millions) | 4.0514% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4546% | 1,518 |
| Loan loss allowance to noncurrent loans | 454.6900% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 3,506 |
| Noncurrent loans to loans | 0.3199% | 3,348 |
| Net loans and leases to total assets | 73.5757% | 1,683 |
| Net loans and leases to deposits | 86.2433% | 1,966 |
| Net loans and leases to core deposits | 96.5180% | 1,750 |
| Total domestic deposits to total assets | 85.3118% | 2,286 |
| Equity capital to assets | 11.2003% | 2,680 |
| Core capital (leverage) ratio | 11.4920% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $254,388,500 | 2,470 |
| Average earning assets | $231,944,500 | 2,489 |
| Average equity | $29,008,000 | 2,513 |
| Average total loans | $194,416,500 | 2,231 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4341% | 118 |
| Cost of funding earning assets | 0.8660% | 2,352 |
| Net interest margin | 5.5681% | 108 |
| Noninterest income to average assets | 0.7679% | 1,552 |
| Noninterest expense to average assets | 3.6188% | 837 |
| Loan and lease loss provision to assets | 0.3954% | 366 |
| Net operating income to assets | 1.5000% | 1,054 |
| Return on assets (ROA) | 1.5000% | 1,120 |
| Pretax return on assets | 1.8892% | 764 |
| Return on Equity (ROE) | 12.8296% | 1,224 |
| Retained earnings to average equity (ytd only) | 2.1383% | 3,925 |
| Net charge-offs to loans | 0.3843% | 505 |
| Credit loss provision to net charge-offs | 134.4193% | 1,902 |
| Earnings coverage of net charge-offs (x) | 7.7663% | 2,845 |
| Efficiency ratio | 61.3001% | 3,498 |
| Assets per employee ($millions) | 4.0906% | 3,787 |
| Cash dividends to net income (ytd only)* | 83.3333% | 701 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4458% | 1,373 |
| Loan loss allowance to noncurrent loans | 424.2748% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 3,362 |
| Noncurrent loans to loans | 0.3408% | 3,221 |
| Net loans and leases to total assets | 77.1847% | 1,230 |
| Net loans and leases to deposits | 93.2127% | 1,226 |
| Net loans and leases to core deposits | 101.0234% | 1,482 |
| Total domestic deposits to total assets | 82.8049% | 3,270 |
| Equity capital to assets | 11.6205% | 2,407 |
| Core capital (leverage) ratio | 11.7638% | 1,914 |
| Tier 1 risk-based capital ratio | 14.9430% | 2,803 |
| Total risk-based capital ratio | 16.1957% | 2,745 |
| Memoranda: |
| Average total assets | $239,999,000 | 2,523 |
| Average earning assets | $221,351,600 | 2,525 |
| Average equity | $28,060,200 | 2,490 |
| Average total loans | $183,712,000 | 2,281 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4165% | 125 |
| Cost of funding earning assets | 0.8727% | 2,356 |
| Net interest margin | 5.5437% | 113 |
| Noninterest income to average assets | 0.7699% | 1,521 |
| Noninterest expense to average assets | 3.6433% | 802 |
| Loan and lease loss provision to assets | 0.3280% | 422 |
| Net operating income to assets | 1.5247% | 1,120 |
| Return on assets (ROA) | 1.5247% | 1,176 |
| Pretax return on assets | 1.9270% | 813 |
| Return on Equity (ROE) | 13.0205% | 1,274 |
| Retained earnings to average equity (ytd only) | -1.2930% | 4,881 |
| Net charge-offs to loans | 0.2871% | 614 |
| Credit loss provision to net charge-offs | 150.1279% | 1,630 |
| Earnings coverage of net charge-offs (x) | 10.3223% | 2,503 |
| Efficiency ratio | 61.7694% | 3,355 |
| Assets per employee ($millions) | 3.6859% | 4,292 |
| Cash dividends to net income (ytd only)* | 109.9302% | 239 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4287% | 1,473 |
| Loan loss allowance to noncurrent loans | 165.9781% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 1,853 |
| Noncurrent loans to loans | 0.8608% | 1,863 |
| Net loans and leases to total assets | 77.4845% | 1,230 |
| Net loans and leases to deposits | 90.9238% | 1,575 |
| Net loans and leases to core deposits | 98.0887% | 1,820 |
| Total domestic deposits to total assets | 85.2192% | 2,336 |
| Equity capital to assets | 11.3661% | 2,779 |
| Core capital (leverage) ratio | 11.3575% | 2,335 |
| Tier 1 risk-based capital ratio | 14.5465% | 3,049 |
| Total risk-based capital ratio | 15.7987% | 2,977 |
| Memoranda: |
| Average total assets | $238,639,750 | 2,553 |
| Average earning assets | $220,760,000 | 2,551 |
| Average equity | $27,945,000 | 2,516 |
| Average total loans | $181,585,500 | 2,325 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3261% | 145 |
| Cost of funding earning assets | 0.8706% | 2,297 |
| Net interest margin | 5.4555% | 134 |
| Noninterest income to average assets | 0.7297% | 1,599 |
| Noninterest expense to average assets | 3.6601% | 786 |
| Loan and lease loss provision to assets | 0.1932% | 905 |
| Net operating income to assets | 1.5310% | 1,061 |
| Return on assets (ROA) | 1.5310% | 1,109 |
| Pretax return on assets | 1.9351% | 778 |
| Return on Equity (ROE) | 12.9443% | 1,262 |
| Retained earnings to average equity (ytd only) | 5.8124% | 2,362 |
| Net charge-offs to loans | 0.4003% | 419 |
| Credit loss provision to net charge-offs | 64.1457% | 2,372 |
| Earnings coverage of net charge-offs (x) | 7.0672% | 2,525 |
| Efficiency ratio | 63.2323% | 3,250 |
| Assets per employee ($millions) | 3.6858% | 4,265 |
| Cash dividends to net income (ytd only)* | 55.0964% | 1,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2970% | 2,029 |
| Loan loss allowance to noncurrent loans | 270.8661% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 2,678 |
| Noncurrent loans to loans | 0.4788% | 2,842 |
| Net loans and leases to total assets | 75.3313% | 1,662 |
| Net loans and leases to deposits | 88.7139% | 1,905 |
| Net loans and leases to core deposits | 95.1632% | 2,140 |
| Total domestic deposits to total assets | 84.9149% | 2,514 |
| Equity capital to assets | 11.7989% | 2,345 |
| Core capital (leverage) ratio | 12.0164% | 1,817 |
| Tier 1 risk-based capital ratio | 15.4117% | 2,655 |
| Total risk-based capital ratio | 16.6624% | 2,584 |
| Memoranda: |
| Average total assets | $237,097,000 | 2,573 |
| Average earning assets | $219,850,330 | 2,565 |
| Average equity | $28,043,330 | 2,509 |
| Average total loans | $178,371,670 | 2,361 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2295% | 154 |
| Cost of funding earning assets | 0.8860% | 2,066 |
| Net interest margin | 5.3436% | 162 |
| Noninterest income to average assets | 0.6273% | 1,927 |
| Noninterest expense to average assets | 3.6835% | 766 |
| Loan and lease loss provision to assets | 0.0718% | 2,233 |
| Net operating income to assets | 1.4461% | 1,246 |
| Return on assets (ROA) | 1.4461% | 1,274 |
| Pretax return on assets | 1.8306% | 915 |
| Return on Equity (ROE) | 12.2104% | 1,459 |
| Retained earnings to average equity (ytd only) | -2.2227% | 4,760 |
| Net charge-offs to loans | 0.1099% | 1,080 |
| Credit loss provision to net charge-offs | 87.5000% | 1,733 |
| Earnings coverage of net charge-offs (x) | 23.1875% | 1,476 |
| Efficiency ratio | 65.9425% | 2,945 |
| Assets per employee ($millions) | 3.7450% | 4,281 |
| Cash dividends to net income (ytd only)* | 118.2033% | 477 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4640% | 1,458 |
| Loan loss allowance to noncurrent loans | 313.5068% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 2,791 |
| Noncurrent loans to loans | 0.4670% | 2,912 |
| Net loans and leases to total assets | 72.1737% | 2,125 |
| Net loans and leases to deposits | 84.9979% | 2,254 |
| Net loans and leases to core deposits | 91.0322% | 2,396 |
| Total domestic deposits to total assets | 84.9124% | 2,709 |
| Equity capital to assets | 11.7227% | 2,212 |
| Core capital (leverage) ratio | 11.7247% | 1,959 |
| Tier 1 risk-based capital ratio | 15.9290% | 2,472 |
| Total risk-based capital ratio | 17.1817% | 2,403 |
| Memoranda: |
| Average total assets | $234,015,500 | 2,609 |
| Average earning assets | $217,159,000 | 2,606 |
| Average equity | $27,714,000 | 2,536 |
| Average total loans | $174,728,000 | 2,422 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0799% | 147 |
| Cost of funding earning assets | 0.6957% | 2,117 |
| Net interest margin | 5.3842% | 136 |
| Noninterest income to average assets | 0.5990% | 2,296 |
| Noninterest expense to average assets | 3.4417% | 1,087 |
| Loan and lease loss provision to assets | 0.1620% | 1,262 |
| Net operating income to assets | 1.4609% | 1,237 |
| Return on assets (ROA) | 1.4609% | 1,227 |
| Pretax return on assets | 1.9700% | 596 |
| Return on Equity (ROE) | 13.0408% | 1,332 |
| Retained earnings to average equity (ytd only) | 13.0408% | 229 |
| Net charge-offs to loans | 0.1689% | 1,137 |
| Credit loss provision to net charge-offs | 126.9360% | 2,074 |
| Earnings coverage of net charge-offs (x) | 16.7071% | 2,233 |
| Efficiency ratio | 61.7484% | 3,572 |
| Assets per employee ($millions) | 3.7435% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4357% | 1,502 |
| Loan loss allowance to noncurrent loans | 457.7617% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 3,132 |
| Noncurrent loans to loans | 0.3136% | 3,427 |
| Net loans and leases to total assets | 75.0151% | 1,771 |
| Net loans and leases to deposits | 89.9429% | 1,809 |
| Net loans and leases to core deposits | 96.5389% | 2,010 |
| Total domestic deposits to total assets | 83.4030% | 3,190 |
| Equity capital to assets | 11.9649% | 1,923 |
| Core capital (leverage) ratio | 11.9371% | 1,778 |
| Tier 1 risk-based capital ratio | 15.9411% | 2,427 |
| Total risk-based capital ratio | 17.1935% | 2,369 |
| Memoranda: |
| Average total assets | $232,736,000 | 2,600 |
| Average earning assets | $215,035,200 | 2,600 |
| Average equity | $26,072,000 | 2,564 |
| Average total loans | $175,816,800 | 2,366 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9613% | 160 |
| Cost of funding earning assets | 0.6568% | 2,112 |
| Net interest margin | 5.3045% | 147 |
| Noninterest income to average assets | 0.6086% | 2,263 |
| Noninterest expense to average assets | 3.3691% | 1,166 |
| Loan and lease loss provision to assets | 0.1746% | 1,056 |
| Net operating income to assets | 1.4661% | 1,285 |
| Return on assets (ROA) | 1.4661% | 1,290 |
| Pretax return on assets | 1.9522% | 722 |
| Return on Equity (ROE) | 13.3135% | 1,326 |
| Retained earnings to average equity (ytd only) | 13.3135% | 323 |
| Net charge-offs to loans | 0.1625% | 1,017 |
| Credit loss provision to net charge-offs | 142.5234% | 1,777 |
| Earnings coverage of net charge-offs (x) | 17.3596% | 2,113 |
| Efficiency ratio | 61.3021% | 3,618 |
| Assets per employee ($millions) | 3.9135% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4348% | 1,575 |
| Loan loss allowance to noncurrent loans | 367.5325% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 3,155 |
| Noncurrent loans to loans | 0.3904% | 3,255 |
| Net loans and leases to total assets | 74.5126% | 1,897 |
| Net loans and leases to deposits | 89.2791% | 1,982 |
| Net loans and leases to core deposits | 96.1441% | 2,107 |
| Total domestic deposits to total assets | 83.4602% | 3,138 |
| Equity capital to assets | 11.4539% | 2,301 |
| Core capital (leverage) ratio | 11.8505% | 1,878 |
| Tier 1 risk-based capital ratio | 15.2343% | 2,767 |
| Total risk-based capital ratio | 16.4864% | 2,691 |
| Memoranda: |
| Average total assets | $232,896,000 | 2,600 |
| Average earning assets | $214,579,250 | 2,615 |
| Average equity | $25,647,500 | 2,604 |
| Average total loans | $175,610,250 | 2,381 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8621% | 177 |
| Cost of funding earning assets | 0.6458% | 1,951 |
| Net interest margin | 5.2163% | 161 |
| Noninterest income to average assets | 0.6450% | 2,116 |
| Noninterest expense to average assets | 3.3549% | 1,208 |
| Loan and lease loss provision to assets | 0.1981% | 869 |
| Net operating income to assets | 1.5104% | 1,136 |
| Return on assets (ROA) | 1.5104% | 1,133 |
| Pretax return on assets | 1.8979% | 778 |
| Return on Equity (ROE) | 13.9032% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.9032% | 291 |
| Net charge-offs to loans | 0.1715% | 910 |
| Credit loss provision to net charge-offs | 153.3333% | 1,560 |
| Earnings coverage of net charge-offs (x) | 16.2267% | 2,004 |
| Efficiency ratio | 61.5482% | 3,687 |
| Assets per employee ($millions) | 4.0366% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4401% | 1,597 |
| Loan loss allowance to noncurrent loans | 272.9817% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 2,081 |
| Noncurrent loans to loans | 0.5276% | 2,837 |
| Net loans and leases to total assets | 75.4322% | 1,733 |
| Net loans and leases to deposits | 87.4679% | 2,166 |
| Net loans and leases to core deposits | 94.4498% | 2,188 |
| Total domestic deposits to total assets | 86.2399% | 2,172 |
| Equity capital to assets | 11.3410% | 2,316 |
| Core capital (leverage) ratio | 10.9660% | 2,559 |
| Tier 1 risk-based capital ratio | 15.8940% | 2,476 |
| Total risk-based capital ratio | 17.1479% | 2,418 |
| Memoranda: |
| Average total assets | $232,258,000 | 2,615 |
| Average earning assets | $213,983,330 | 2,637 |
| Average equity | $25,231,670 | 2,652 |
| Average total loans | $174,977,000 | 2,398 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7375% | 204 |
| Cost of funding earning assets | 0.6054% | 2,025 |
| Net interest margin | 5.1321% | 179 |
| Noninterest income to average assets | 0.6788% | 1,918 |
| Noninterest expense to average assets | 3.2776% | 1,391 |
| Loan and lease loss provision to assets | 0.2657% | 527 |
| Net operating income to assets | 1.5068% | 1,066 |
| Return on assets (ROA) | 1.5068% | 1,064 |
| Pretax return on assets | 1.8873% | 749 |
| Return on Equity (ROE) | 14.1771% | 971 |
| Retained earnings to average equity (ytd only) | 14.1771% | 396 |
| Net charge-offs to loans | 0.1858% | 787 |
| Credit loss provision to net charge-offs | 191.3580% | 1,075 |
| Earnings coverage of net charge-offs (x) | 15.5062% | 1,661 |
| Efficiency ratio | 60.3535% | 4,019 |
| Assets per employee ($millions) | 4.2209% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4556% | 1,635 |
| Loan loss allowance to noncurrent loans | 192.1033% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 2,679 |
| Noncurrent loans to loans | 0.7577% | 2,306 |
| Net loans and leases to total assets | 71.1931% | 2,301 |
| Net loans and leases to deposits | 85.8554% | 2,182 |
| Net loans and leases to core deposits | 92.0180% | 2,302 |
| Total domestic deposits to total assets | 82.9221% | 3,692 |
| Equity capital to assets | 10.4821% | 3,093 |
| Core capital (leverage) ratio | 10.8330% | 2,599 |
| Tier 1 risk-based capital ratio | 14.9237% | 2,902 |
| Total risk-based capital ratio | 16.1769% | 2,833 |
| Memoranda: |
| Average total assets | $233,344,000 | 2,635 |
| Average earning assets | $216,051,000 | 2,638 |
| Average equity | $24,800,500 | 2,701 |
| Average total loans | $174,418,000 | 2,421 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7427% | 184 |
| Cost of funding earning assets | 0.4522% | 2,757 |
| Net interest margin | 5.2905% | 149 |
| Noninterest income to average assets | 0.6720% | 2,084 |
| Noninterest expense to average assets | 3.2476% | 1,512 |
| Loan and lease loss provision to assets | 0.3152% | 536 |
| Net operating income to assets | 1.3594% | 1,098 |
| Return on assets (ROA) | 1.3413% | 1,160 |
| Pretax return on assets | 2.0009% | 491 |
| Return on Equity (ROE) | 12.5717% | 1,062 |
| Retained earnings to average equity (ytd only) | 4.2845% | 2,591 |
| Net charge-offs to loans | 0.3087% | 824 |
| Credit loss provision to net charge-offs | 138.1783% | 1,912 |
| Earnings coverage of net charge-offs (x) | 10.2713% | 2,697 |
| Efficiency ratio | 58.0895% | 4,515 |
| Assets per employee ($millions) | 3.9666% | 4,020 |
| Cash dividends to net income (ytd only)* | 65.9196% | 1,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4033% | 1,753 |
| Loan loss allowance to noncurrent loans | 160.5229% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 2,079 |
| Noncurrent loans to loans | 0.8742% | 2,039 |
| Net loans and leases to total assets | 76.3238% | 1,536 |
| Net loans and leases to deposits | 92.4053% | 1,467 |
| Net loans and leases to core deposits | 98.8005% | 1,804 |
| Total domestic deposits to total assets | 82.5968% | 3,698 |
| Equity capital to assets | 10.7839% | 2,859 |
| Core capital (leverage) ratio | 10.6087% | 2,732 |
| Tier 1 risk-based capital ratio | 13.7801% | 3,479 |
| Total risk-based capital ratio | 15.0318% | 3,397 |
| Memoranda: |
| Average total assets | $226,199,800 | 2,671 |
| Average earning assets | $210,303,200 | 2,663 |
| Average equity | $24,133,600 | 2,740 |
| Average total loans | $167,175,000 | 2,455 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6824% | 200 |
| Cost of funding earning assets | 0.4216% | 2,974 |
| Net interest margin | 5.2608% | 153 |
| Noninterest income to average assets | 0.6713% | 2,118 |
| Noninterest expense to average assets | 3.2392% | 1,480 |
| Loan and lease loss provision to assets | 0.3501% | 428 |
| Net operating income to assets | 1.3198% | 1,274 |
| Return on assets (ROA) | 1.3190% | 1,307 |
| Pretax return on assets | 1.9714% | 579 |
| Return on Equity (ROE) | 12.3961% | 1,215 |
| Retained earnings to average equity (ytd only) | 6.8572% | 1,770 |
| Net charge-offs to loans | 0.2849% | 759 |
| Credit loss provision to net charge-offs | 168.2720% | 1,541 |
| Earnings coverage of net charge-offs (x) | 11.1644% | 2,521 |
| Efficiency ratio | 58.2388% | 4,469 |
| Assets per employee ($millions) | 4.0613% | 3,880 |
| Cash dividends to net income (ytd only)* | 44.6827% | 2,034 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4366% | 1,752 |
| Loan loss allowance to noncurrent loans | 136.0174% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 2,159 |
| Noncurrent loans to loans | 1.0562% | 1,828 |
| Net loans and leases to total assets | 74.0914% | 1,896 |
| Net loans and leases to deposits | 91.9539% | 1,573 |
| Net loans and leases to core deposits | 98.5928% | 1,837 |
| Total domestic deposits to total assets | 80.5745% | 4,183 |
| Equity capital to assets | 10.6581% | 3,203 |
| Core capital (leverage) ratio | 10.6375% | 2,840 |
| Tier 1 risk-based capital ratio | 14.6302% | 3,115 |
| Total risk-based capital ratio | 15.8829% | 3,029 |
| Memoranda: |
| Average total assets | $226,225,750 | 2,694 |
| Average earning assets | $210,304,250 | 2,679 |
| Average equity | $24,071,500 | 2,775 |
| Average total loans | $165,213,500 | 2,491 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6054% | 208 |
| Cost of funding earning assets | 0.3882% | 3,204 |
| Net interest margin | 5.2172% | 160 |
| Noninterest income to average assets | 0.6914% | 2,024 |
| Noninterest expense to average assets | 3.2637% | 1,437 |
| Loan and lease loss provision to assets | 0.1176% | 1,746 |
| Net operating income to assets | 1.4455% | 960 |
| Return on assets (ROA) | 1.4443% | 990 |
| Pretax return on assets | 2.1580% | 388 |
| Return on Equity (ROE) | 13.5813% | 898 |
| Retained earnings to average equity (ytd only) | 5.2030% | 2,578 |
| Net charge-offs to loans | 0.0148% | 2,951 |
| Credit loss provision to net charge-offs | 1,100.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 390 |
| Efficiency ratio | 58.9001% | 4,476 |
| Assets per employee ($millions) | 4.0867% | 3,813 |
| Cash dividends to net income (ytd only)* | 61.6903% | 1,423 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4104% | 1,909 |
| Loan loss allowance to noncurrent loans | 168.0085% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 2,744 |
| Noncurrent loans to loans | 0.8395% | 2,307 |
| Net loans and leases to total assets | 71.3910% | 2,304 |
| Net loans and leases to deposits | 87.9513% | 1,991 |
| Net loans and leases to core deposits | 94.1927% | 2,133 |
| Total domestic deposits to total assets | 81.1710% | 4,139 |
| Equity capital to assets | 10.3334% | 3,534 |
| Core capital (leverage) ratio | 10.7315% | 2,674 |
| Tier 1 risk-based capital ratio | 14.9822% | 2,932 |
| Total risk-based capital ratio | 16.2351% | 2,865 |
| Memoranda: |
| Average total assets | $224,469,330 | 2,725 |
| Average earning assets | $208,656,000 | 2,714 |
| Average equity | $23,871,000 | 2,795 |
| Average total loans | $162,278,670 | 2,529 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5540% | 213 |
| Cost of funding earning assets | 0.4037% | 2,962 |
| Net interest margin | 5.1503% | 169 |
| Noninterest income to average assets | 0.6684% | 2,097 |
| Noninterest expense to average assets | 3.4109% | 1,180 |
| Loan and lease loss provision to assets | 0.1308% | 1,466 |
| Net operating income to assets | 1.2714% | 1,318 |
| Return on assets (ROA) | 1.2714% | 1,351 |
| Pretax return on assets | 1.8998% | 637 |
| Return on Equity (ROE) | 11.7791% | 1,310 |
| Retained earnings to average equity (ytd only) | 11.7791% | 497 |
| Net charge-offs to loans | -0.0478% | 5,164 |
| Credit loss provision to net charge-offs | -378.9474% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6836% | 4,043 |
| Assets per employee ($millions) | 3.9608% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4707% | 1,795 |
| Loan loss allowance to noncurrent loans | 435.1852% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 4,266 |
| Noncurrent loans to loans | 0.3379% | 3,890 |
| Net loans and leases to total assets | 69.7374% | 2,432 |
| Net loans and leases to deposits | 82.3691% | 2,462 |
| Net loans and leases to core deposits | 87.6499% | 2,579 |
| Total domestic deposits to total assets | 84.6645% | 3,235 |
| Equity capital to assets | 10.6895% | 2,973 |
| Core capital (leverage) ratio | 10.8083% | 2,590 |
| Tier 1 risk-based capital ratio | 15.3148% | 2,827 |
| Total risk-based capital ratio | 16.5678% | 2,757 |
| Memoranda: |
| Average total assets | $220,232,000 | 2,789 |
| Average earning assets | $204,105,000 | 2,786 |
| Average equity | $23,771,000 | 2,811 |
| Average total loans | $159,078,000 | 2,590 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6756% | 201 |
| Cost of funding earning assets | 0.3928% | 3,068 |
| Net interest margin | 5.2828% | 152 |
| Noninterest income to average assets | 0.6874% | 2,230 |
| Noninterest expense to average assets | 3.3321% | 1,511 |
| Loan and lease loss provision to assets | 0.4433% | 325 |
| Net operating income to assets | 1.2037% | 1,501 |
| Return on assets (ROA) | 1.2037% | 1,582 |
| Pretax return on assets | 1.8063% | 791 |
| Return on Equity (ROE) | 11.5813% | 1,371 |
| Retained earnings to average equity (ytd only) | 7.1660% | 1,160 |
| Net charge-offs to loans | 0.5740% | 399 |
| Credit loss provision to net charge-offs | 109.1525% | 2,404 |
| Earnings coverage of net charge-offs (x) | 5.5390% | 3,320 |
| Efficiency ratio | 59.6974% | 4,629 |
| Assets per employee ($millions) | 3.7667% | 4,369 |
| Cash dividends to net income (ytd only)* | 38.1243% | 2,952 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4271% | 1,977 |
| Loan loss allowance to noncurrent loans | 497.7974% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 4,465 |
| Noncurrent loans to loans | 0.2867% | 4,122 |
| Net loans and leases to total assets | 72.7080% | 2,061 |
| Net loans and leases to deposits | 86.3359% | 2,129 |
| Net loans and leases to core deposits | 92.1615% | 2,287 |
| Total domestic deposits to total assets | 84.2152% | 3,345 |
| Equity capital to assets | 10.9031% | 2,709 |
| Core capital (leverage) ratio | 10.6704% | 2,695 |
| Tier 1 risk-based capital ratio | 15.1011% | 2,924 |
| Total risk-based capital ratio | 16.3539% | 2,853 |
| Memoranda: |
| Average total assets | $217,908,000 | 2,781 |
| Average earning assets | $201,880,600 | 2,767 |
| Average equity | $22,648,600 | 2,927 |
| Average total loans | $154,171,600 | 2,589 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6542% | 204 |
| Cost of funding earning assets | 0.3911% | 3,115 |
| Net interest margin | 5.2631% | 150 |
| Noninterest income to average assets | 0.6633% | 2,352 |
| Noninterest expense to average assets | 3.2968% | 1,572 |
| Loan and lease loss provision to assets | 0.4322% | 316 |
| Net operating income to assets | 1.2046% | 1,631 |
| Return on assets (ROA) | 1.2046% | 1,724 |
| Pretax return on assets | 1.8069% | 892 |
| Return on Equity (ROE) | 11.7310% | 1,409 |
| Retained earnings to average equity (ytd only) | 5.7942% | 2,305 |
| Net charge-offs to loans | 0.6609% | 298 |
| Credit loss provision to net charge-offs | 93.4124% | 2,480 |
| Earnings coverage of net charge-offs (x) | 4.8393% | 3,217 |
| Efficiency ratio | 59.5529% | 4,603 |
| Assets per employee ($millions) | 3.9089% | 4,111 |
| Cash dividends to net income (ytd only)* | 50.6073% | 1,856 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3474% | 2,449 |
| Loan loss allowance to noncurrent loans | 292.8473% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 3,818 |
| Noncurrent loans to loans | 0.4601% | 3,635 |
| Net loans and leases to total assets | 69.9613% | 2,492 |
| Net loans and leases to deposits | 84.0985% | 2,471 |
| Net loans and leases to core deposits | 89.6986% | 2,598 |
| Total domestic deposits to total assets | 83.1896% | 3,518 |
| Equity capital to assets | 10.3187% | 3,782 |
| Core capital (leverage) ratio | 10.4668% | 3,030 |
| Tier 1 risk-based capital ratio | 14.6706% | 3,202 |
| Total risk-based capital ratio | 15.9219% | 3,142 |
| Memoranda: |
| Average total assets | $218,710,000 | 2,779 |
| Average earning assets | $202,486,500 | 2,776 |
| Average equity | $22,458,500 | 2,970 |
| Average total loans | $153,123,500 | 2,607 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6028% | 216 |
| Cost of funding earning assets | 0.4115% | 2,927 |
| Net interest margin | 5.1913% | 171 |
| Noninterest income to average assets | 0.6681% | 2,288 |
| Noninterest expense to average assets | 3.3063% | 1,579 |
| Loan and lease loss provision to assets | 0.4417% | 327 |
| Net operating income to assets | 1.1604% | 1,736 |
| Return on assets (ROA) | 1.1604% | 1,843 |
| Pretax return on assets | 1.7383% | 1,007 |
| Return on Equity (ROE) | 11.3191% | 1,533 |
| Retained earnings to average equity (ytd only) | 2.3428% | 4,383 |
| Net charge-offs to loans | 0.9017% | 211 |
| Credit loss provision to net charge-offs | 70.2782% | 2,475 |
| Earnings coverage of net charge-offs (x) | 3.4685% | 3,103 |
| Efficiency ratio | 60.2650% | 4,614 |
| Assets per employee ($millions) | 3.8284% | 4,217 |
| Cash dividends to net income (ytd only)* | 79.3021% | 919 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2857% | 2,868 |
| Loan loss allowance to noncurrent loans | 307.7882% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 4,324 |
| Noncurrent loans to loans | 0.4177% | 3,858 |
| Net loans and leases to total assets | 69.5257% | 2,547 |
| Net loans and leases to deposits | 81.6453% | 2,748 |
| Net loans and leases to core deposits | 87.7151% | 2,754 |
| Total domestic deposits to total assets | 85.1558% | 2,795 |
| Equity capital to assets | 10.2264% | 3,940 |
| Core capital (leverage) ratio | 9.9217% | 3,659 |
| Tier 1 risk-based capital ratio | 14.5847% | 3,269 |
| Total risk-based capital ratio | 15.8352% | 3,200 |
| Memoranda: |
| Average total assets | $217,343,670 | 2,800 |
| Average earning assets | $201,720,670 | 2,796 |
| Average equity | $22,281,000 | 2,996 |
| Average total loans | $151,495,000 | 2,626 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4952% | 260 |
| Cost of funding earning assets | 0.4322% | 2,751 |
| Net interest margin | 5.0631% | 223 |
| Noninterest income to average assets | 0.6362% | 2,338 |
| Noninterest expense to average assets | 3.2438% | 1,730 |
| Loan and lease loss provision to assets | 0.3762% | 382 |
| Net operating income to assets | 1.1563% | 1,686 |
| Return on assets (ROA) | 1.1563% | 1,805 |
| Pretax return on assets | 1.7261% | 1,004 |
| Return on Equity (ROE) | 11.2651% | 1,509 |
| Retained earnings to average equity (ytd only) | 11.2651% | 606 |
| Net charge-offs to loans | 0.4947% | 446 |
| Credit loss provision to net charge-offs | 109.6774% | 1,522 |
| Earnings coverage of net charge-offs (x) | 6.1290% | 2,264 |
| Efficiency ratio | 60.6761% | 4,653 |
| Assets per employee ($millions) | 3.8572% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4663% | 2,131 |
| Loan loss allowance to noncurrent loans | 257.8638% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 4,048 |
| Noncurrent loans to loans | 0.5686% | 3,486 |
| Net loans and leases to total assets | 65.9908% | 2,947 |
| Net loans and leases to deposits | 77.2910% | 3,075 |
| Net loans and leases to core deposits | 83.7524% | 2,961 |
| Total domestic deposits to total assets | 85.3797% | 2,963 |
| Equity capital to assets | 10.1160% | 3,927 |
| Core capital (leverage) ratio | 10.2408% | 3,272 |
| Tier 1 risk-based capital ratio | 15.0219% | 3,147 |
| Total risk-based capital ratio | 16.2748% | 3,082 |
| Memoranda: |
| Average total assets | $216,905,500 | 2,812 |
| Average earning assets | $201,774,500 | 2,803 |
| Average equity | $22,263,500 | 2,994 |
| Average total loans | $150,395,000 | 2,641 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7928% | 175 |
| Cost of funding earning assets | 0.4451% | 2,680 |
| Net interest margin | 5.3477% | 160 |
| Noninterest income to average assets | 0.7176% | 2,114 |
| Noninterest expense to average assets | 3.2621% | 1,808 |
| Loan and lease loss provision to assets | 0.6081% | 174 |
| Net operating income to assets | 1.2027% | 1,538 |
| Return on assets (ROA) | 1.2027% | 1,612 |
| Pretax return on assets | 1.8215% | 772 |
| Return on Equity (ROE) | 11.9114% | 1,324 |
| Retained earnings to average equity (ytd only) | 11.9114% | 259 |
| Net charge-offs to loans | 0.7591% | 304 |
| Credit loss provision to net charge-offs | 113.1222% | 2,247 |
| Earnings coverage of net charge-offs (x) | 4.5195% | 3,540 |
| Efficiency ratio | 57.3126% | 5,222 |
| Assets per employee ($millions) | 3.6859% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4434% | 2,235 |
| Loan loss allowance to noncurrent loans | 411.9093% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 4,588 |
| Noncurrent loans to loans | 0.3504% | 4,211 |
| Net loans and leases to total assets | 70.8165% | 2,244 |
| Net loans and leases to deposits | 83.4101% | 2,434 |
| Net loans and leases to core deposits | 90.8825% | 2,326 |
| Total domestic deposits to total assets | 84.9016% | 3,139 |
| Equity capital to assets | 10.4220% | 3,454 |
| Core capital (leverage) ratio | 10.5458% | 2,886 |
| Tier 1 risk-based capital ratio | 14.8408% | 3,253 |
| Total risk-based capital ratio | 16.0938% | 3,187 |
| Memoranda: |
| Average total assets | $205,543,800 | 2,893 |
| Average earning assets | $191,184,000 | 2,875 |
| Average equity | $20,753,200 | 3,101 |
| Average total loans | $145,564,400 | 2,657 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8152% | 170 |
| Cost of funding earning assets | 0.4525% | 2,656 |
| Net interest margin | 5.3628% | 153 |
| Noninterest income to average assets | 0.7358% | 2,085 |
| Noninterest expense to average assets | 3.3084% | 1,670 |
| Loan and lease loss provision to assets | 0.5681% | 167 |
| Net operating income to assets | 1.2132% | 1,605 |
| Return on assets (ROA) | 1.2132% | 1,671 |
| Pretax return on assets | 1.8460% | 812 |
| Return on Equity (ROE) | 12.1165% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.1165% | 352 |
| Net charge-offs to loans | 0.6897% | 312 |
| Credit loss provision to net charge-offs | 116.7560% | 2,035 |
| Earnings coverage of net charge-offs (x) | 4.9611% | 3,271 |
| Efficiency ratio | 57.8137% | 5,141 |
| Assets per employee ($millions) | 3.5798% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4439% | 2,392 |
| Loan loss allowance to noncurrent loans | 588.2834% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 5,035 |
| Noncurrent loans to loans | 0.2454% | 4,697 |
| Net loans and leases to total assets | 72.2187% | 2,026 |
| Net loans and leases to deposits | 82.9677% | 2,532 |
| Net loans and leases to core deposits | 90.5606% | 2,406 |
| Total domestic deposits to total assets | 87.0444% | 2,018 |
| Equity capital to assets | 10.5116% | 3,589 |
| Core capital (leverage) ratio | 10.2420% | 3,317 |
| Tier 1 risk-based capital ratio | 14.5983% | 3,501 |
| Total risk-based capital ratio | 15.8513% | 3,424 |
| Memoranda: |
| Average total assets | $204,406,000 | 2,933 |
| Average earning assets | $190,071,000 | 2,914 |
| Average equity | $20,467,500 | 3,156 |
| Average total loans | $144,215,250 | 2,691 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7275% | 184 |
| Cost of funding earning assets | 0.4628% | 2,580 |
| Net interest margin | 5.2647% | 171 |
| Noninterest income to average assets | 0.7481% | 2,002 |
| Noninterest expense to average assets | 3.2162% | 1,937 |
| Loan and lease loss provision to assets | 0.6298% | 139 |
| Net operating income to assets | 1.1813% | 1,661 |
| Return on assets (ROA) | 1.1813% | 1,728 |
| Pretax return on assets | 1.8081% | 883 |
| Return on Equity (ROE) | 11.9958% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.9958% | 396 |
| Net charge-offs to loans | 0.9913% | 211 |
| Credit loss provision to net charge-offs | 91.2181% | 2,186 |
| Earnings coverage of net charge-offs (x) | 3.5312% | 3,182 |
| Efficiency ratio | 56.8834% | 5,350 |
| Assets per employee ($millions) | 3.5716% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3573% | 2,946 |
| Loan loss allowance to noncurrent loans | 1,077.5956% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 5,509 |
| Noncurrent loans to loans | 0.1260% | 5,249 |
| Net loans and leases to total assets | 69.1817% | 2,455 |
| Net loans and leases to deposits | 78.6784% | 2,943 |
| Net loans and leases to core deposits | 86.0769% | 2,759 |
| Total domestic deposits to total assets | 87.9297% | 1,688 |
| Equity capital to assets | 9.9945% | 4,049 |
| Core capital (leverage) ratio | 9.8304% | 3,826 |
| Tier 1 risk-based capital ratio | 14.4857% | 3,651 |
| Total risk-based capital ratio | 15.7374% | 3,572 |
| Memoranda: |
| Average total assets | $204,524,330 | 2,949 |
| Average earning assets | $190,588,670 | 2,930 |
| Average equity | $20,140,330 | 3,209 |
| Average total loans | $142,446,330 | 2,724 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6996% | 193 |
| Cost of funding earning assets | 0.4778% | 2,471 |
| Net interest margin | 5.2218% | 170 |
| Noninterest income to average assets | 0.7519% | 1,905 |
| Noninterest expense to average assets | 3.2085% | 1,962 |
| Loan and lease loss provision to assets | 0.4626% | 232 |
| Net operating income to assets | 1.2440% | 1,423 |
| Return on assets (ROA) | 1.2440% | 1,509 |
| Pretax return on assets | 1.9428% | 661 |
| Return on Equity (ROE) | 12.7301% | 1,154 |
| Retained earnings to average equity (ytd only) | 12.7301% | 475 |
| Net charge-offs to loans | 1.8578% | 95 |
| Credit loss provision to net charge-offs | 35.8779% | 2,218 |
| Earnings coverage of net charge-offs (x) | 1.8656% | 2,857 |
| Efficiency ratio | 57.1529% | 5,426 |
| Assets per employee ($millions) | 3.5287% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1431% | 4,298 |
| Loan loss allowance to noncurrent loans | 1,136.6197% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 5,659 |
| Noncurrent loans to loans | 0.1006% | 5,396 |
| Net loans and leases to total assets | 67.0452% | 2,602 |
| Net loans and leases to deposits | 75.4440% | 3,121 |
| Net loans and leases to core deposits | 82.0906% | 2,956 |
| Total domestic deposits to total assets | 88.8674% | 1,351 |
| Equity capital to assets | 9.7166% | 4,481 |
| Core capital (leverage) ratio | 9.6708% | 4,048 |
| Tier 1 risk-based capital ratio | 14.0066% | 4,009 |
| Total risk-based capital ratio | 15.1389% | 4,020 |
| Memoranda: |
| Average total assets | $203,210,000 | 2,975 |
| Average earning assets | $189,206,500 | 2,960 |
| Average equity | $19,858,500 | 3,250 |
| Average total loans | $141,027,500 | 2,746 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8635% | 183 |
| Cost of funding earning assets | 0.5473% | 2,222 |
| Net interest margin | 5.3162% | 179 |
| Noninterest income to average assets | 0.7618% | 2,028 |
| Noninterest expense to average assets | 3.3983% | 1,701 |
| Loan and lease loss provision to assets | 0.2159% | 1,152 |
| Net operating income to assets | 1.3737% | 1,135 |
| Return on assets (ROA) | 1.3737% | 1,177 |
| Pretax return on assets | 2.0527% | 461 |
| Return on Equity (ROE) | 14.1684% | 910 |
| Retained earnings to average equity (ytd only) | 8.8915% | 728 |
| Net charge-offs to loans | 0.2317% | 1,821 |
| Credit loss provision to net charge-offs | 133.9683% | 1,769 |
| Earnings coverage of net charge-offs (x) | 14.0762% | 2,198 |
| Efficiency ratio | 59.9675% | 5,234 |
| Assets per employee ($millions) | 3.4177% | 5,017 |
| Cash dividends to net income (ytd only)* | 37.2439% | 2,993 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4440% | 2,719 |
| Loan loss allowance to noncurrent loans | 612.6506% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 5,352 |
| Noncurrent loans to loans | 0.2357% | 4,985 |
| Net loans and leases to total assets | 70.0326% | 2,233 |
| Net loans and leases to deposits | 78.9393% | 2,845 |
| Net loans and leases to core deposits | 85.8481% | 2,705 |
| Total domestic deposits to total assets | 88.7171% | 1,407 |
| Equity capital to assets | 9.8311% | 4,310 |
| Core capital (leverage) ratio | 9.7250% | 3,937 |
| Tier 1 risk-based capital ratio | 14.2124% | 3,957 |
| Total risk-based capital ratio | 15.4658% | 3,888 |
| Memoranda: |
| Average total assets | $195,451,200 | 3,044 |
| Average earning assets | $180,336,800 | 3,039 |
| Average equity | $18,950,600 | 3,291 |
| Average total loans | $135,974,000 | 2,765 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8456% | 179 |
| Cost of funding earning assets | 0.5622% | 2,175 |
| Net interest margin | 5.2834% | 180 |
| Noninterest income to average assets | 0.7770% | 1,978 |
| Noninterest expense to average assets | 3.3737% | 1,731 |
| Loan and lease loss provision to assets | 0.1698% | 1,454 |
| Net operating income to assets | 1.4034% | 1,128 |
| Return on assets (ROA) | 1.4034% | 1,171 |
| Pretax return on assets | 2.0976% | 463 |
| Return on Equity (ROE) | 14.5261% | 898 |
| Retained earnings to average equity (ytd only) | 14.5261% | 226 |
| Net charge-offs to loans | 0.1821% | 2,002 |
| Credit loss provision to net charge-offs | 134.7826% | 1,731 |
| Earnings coverage of net charge-offs (x) | 17.9998% | 1,867 |
| Efficiency ratio | 59.8058% | 5,208 |
| Assets per employee ($millions) | 3.4570% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4409% | 2,989 |
| Loan loss allowance to noncurrent loans | 661.4618% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 5,422 |
| Noncurrent loans to loans | 0.2178% | 5,247 |
| Net loans and leases to total assets | 69.1119% | 2,344 |
| Net loans and leases to deposits | 78.2555% | 2,920 |
| Net loans and leases to core deposits | 85.1699% | 2,756 |
| Total domestic deposits to total assets | 88.3157% | 1,596 |
| Equity capital to assets | 10.0741% | 4,079 |
| Core capital (leverage) ratio | 9.9491% | 3,741 |
| Tier 1 risk-based capital ratio | 14.5962% | 3,817 |
| Total risk-based capital ratio | 15.8492% | 3,758 |
| Memoranda: |
| Average total assets | $194,756,750 | 3,072 |
| Average earning assets | $179,298,750 | 3,073 |
| Average equity | $18,816,250 | 3,326 |
| Average total loans | $134,752,750 | 2,794 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7797% | 191 |
| Cost of funding earning assets | 0.5784% | 2,085 |
| Net interest margin | 5.2013% | 197 |
| Noninterest income to average assets | 0.7505% | 2,042 |
| Noninterest expense to average assets | 3.4476% | 1,579 |
| Loan and lease loss provision to assets | 0.1309% | 1,886 |
| Net operating income to assets | 1.3165% | 1,259 |
| Return on assets (ROA) | 1.3165% | 1,309 |
| Pretax return on assets | 1.9650% | 600 |
| Return on Equity (ROE) | 13.8268% | 992 |
| Retained earnings to average equity (ytd only) | 13.8268% | 274 |
| Net charge-offs to loans | 0.1721% | 2,016 |
| Credit loss provision to net charge-offs | 110.4348% | 1,818 |
| Earnings coverage of net charge-offs (x) | 17.6783% | 1,720 |
| Efficiency ratio | 62.1908% | 4,981 |
| Assets per employee ($millions) | 3.6022% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4116% | 3,291 |
| Loan loss allowance to noncurrent loans | 573.6686% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 5,628 |
| Noncurrent loans to loans | 0.2461% | 5,264 |
| Net loans and leases to total assets | 68.3520% | 2,361 |
| Net loans and leases to deposits | 76.9579% | 2,936 |
| Net loans and leases to core deposits | 83.7932% | 2,760 |
| Total domestic deposits to total assets | 88.8174% | 1,462 |
| Equity capital to assets | 9.6618% | 4,539 |
| Core capital (leverage) ratio | 9.5862% | 4,195 |
| Tier 1 risk-based capital ratio | 13.9294% | 4,293 |
| Total risk-based capital ratio | 15.1813% | 4,243 |
| Memoranda: |
| Average total assets | $193,992,330 | 3,102 |
| Average earning assets | $178,763,670 | 3,096 |
| Average equity | $18,471,330 | 3,368 |
| Average total loans | $133,611,670 | 2,814 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6916% | 229 |
| Cost of funding earning assets | 0.6125% | 1,874 |
| Net interest margin | 5.0791% | 231 |
| Noninterest income to average assets | 0.7565% | 1,929 |
| Noninterest expense to average assets | 3.4700% | 1,550 |
| Loan and lease loss provision to assets | 0.0188% | 3,585 |
| Net operating income to assets | 1.3047% | 1,200 |
| Return on assets (ROA) | 1.3047% | 1,246 |
| Pretax return on assets | 1.9341% | 607 |
| Return on Equity (ROE) | 13.8068% | 976 |
| Retained earnings to average equity (ytd only) | 13.8068% | 409 |
| Net charge-offs to loans | 0.0729% | 2,419 |
| Credit loss provision to net charge-offs | 37.5000% | 2,319 |
| Earnings coverage of net charge-offs (x) | 39.0417% | 891 |
| Efficiency ratio | 63.9892% | 4,859 |
| Assets per employee ($millions) | 3.6532% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4616% | 3,324 |
| Loan loss allowance to noncurrent loans | 1,634.1880% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 6,100 |
| Noncurrent loans to loans | 0.0894% | 5,860 |
| Net loans and leases to total assets | 65.3433% | 2,666 |
| Net loans and leases to deposits | 73.3429% | 3,148 |
| Net loans and leases to core deposits | 79.9382% | 2,975 |
| Total domestic deposits to total assets | 89.0929% | 1,594 |
| Equity capital to assets | 9.3474% | 4,705 |
| Core capital (leverage) ratio | 9.3991% | 4,423 |
| Tier 1 risk-based capital ratio | 13.8520% | 4,431 |
| Total risk-based capital ratio | 15.1042% | 4,383 |
| Memoranda: |
| Average total assets | $191,928,500 | 3,140 |
| Average earning assets | $176,331,000 | 3,147 |
| Average equity | $18,136,000 | 3,405 |
| Average total loans | $131,738,500 | 2,851 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9876% | 174 |
| Cost of funding earning assets | 0.7097% | 1,747 |
| Net interest margin | 5.2780% | 193 |
| Noninterest income to average assets | 0.7295% | 2,382 |
| Noninterest expense to average assets | 3.3526% | 1,990 |
| Loan and lease loss provision to assets | 0.1621% | 2,254 |
| Net operating income to assets | 1.3607% | 1,107 |
| Return on assets (ROA) | 1.3607% | 1,156 |
| Pretax return on assets | 2.0252% | 451 |
| Return on Equity (ROE) | 14.1649% | 913 |
| Retained earnings to average equity (ytd only) | 1.3131% | 5,239 |
| Net charge-offs to loans | 0.2349% | 2,572 |
| Credit loss provision to net charge-offs | 97.7346% | 2,542 |
| Earnings coverage of net charge-offs (x) | 13.1877% | 2,051 |
| Efficiency ratio | 60.5174% | 5,409 |
| Assets per employee ($millions) | 3.3318% | 5,220 |
| Cash dividends to net income (ytd only)* | 90.7298% | 618 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4526% | 3,409 |
| Loan loss allowance to noncurrent loans | 2,294.0476% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 6,144 |
| Noncurrent loans to loans | 0.0633% | 6,033 |
| Net loans and leases to total assets | 70.0668% | 2,000 |
| Net loans and leases to deposits | 79.4583% | 2,524 |
| Net loans and leases to core deposits | 87.1221% | 2,336 |
| Total domestic deposits to total assets | 88.1805% | 2,067 |
| Equity capital to assets | 9.5572% | 4,336 |
| Core capital (leverage) ratio | 9.4680% | 4,315 |
| Tier 1 risk-based capital ratio | 13.5837% | 4,590 |
| Total risk-based capital ratio | 14.8368% | 4,536 |
| Memoranda: |
| Average total assets | $186,301,800 | 3,209 |
| Average earning assets | $169,799,600 | 3,221 |
| Average equity | $17,896,400 | 3,435 |
| Average total loans | $131,532,000 | 2,836 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9519% | 195 |
| Cost of funding earning assets | 0.7183% | 1,821 |
| Net interest margin | 5.2336% | 204 |
| Noninterest income to average assets | 0.7281% | 2,470 |
| Noninterest expense to average assets | 3.3678% | 1,903 |
| Loan and lease loss provision to assets | 0.1575% | 2,291 |
| Net operating income to assets | 1.3238% | 1,284 |
| Return on assets (ROA) | 1.3238% | 1,341 |
| Pretax return on assets | 1.9760% | 603 |
| Return on Equity (ROE) | 13.7628% | 1,051 |
| Retained earnings to average equity (ytd only) | 6.3194% | 2,224 |
| Net charge-offs to loans | 0.2032% | 2,606 |
| Credit loss provision to net charge-offs | 110.0000% | 2,141 |
| Earnings coverage of net charge-offs (x) | 14.9000% | 1,906 |
| Efficiency ratio | 61.2181% | 5,240 |
| Assets per employee ($millions) | 3.5181% | 4,811 |
| Cash dividends to net income (ytd only)* | 54.0833% | 1,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4588% | 3,645 |
| Loan loss allowance to noncurrent loans | 1,655.9322% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 6,258 |
| Noncurrent loans to loans | 0.0881% | 6,068 |
| Net loans and leases to total assets | 70.7875% | 1,817 |
| Net loans and leases to deposits | 80.1680% | 2,382 |
| Net loans and leases to core deposits | 87.9940% | 2,194 |
| Total domestic deposits to total assets | 88.2989% | 1,939 |
| Equity capital to assets | 9.9179% | 4,024 |
| Core capital (leverage) ratio | 9.7091% | 4,092 |
| Tier 1 risk-based capital ratio | 13.9925% | 4,438 |
| Total risk-based capital ratio | 15.2452% | 4,389 |
| Memoranda: |
| Average total assets | $186,231,750 | 3,237 |
| Average earning assets | $169,846,750 | 3,244 |
| Average equity | $17,912,500 | 3,472 |
| Average total loans | $131,250,250 | 2,853 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8865% | 214 |
| Cost of funding earning assets | 0.7226% | 1,904 |
| Net interest margin | 5.1639% | 223 |
| Noninterest income to average assets | 0.7059% | 2,604 |
| Noninterest expense to average assets | 3.3134% | 2,037 |
| Loan and lease loss provision to assets | 0.1021% | 3,089 |
| Net operating income to assets | 1.3440% | 1,215 |
| Return on assets (ROA) | 1.3440% | 1,307 |
| Pretax return on assets | 2.0048% | 603 |
| Return on Equity (ROE) | 14.1204% | 982 |
| Retained earnings to average equity (ytd only) | 2.8331% | 4,510 |
| Net charge-offs to loans | 0.2041% | 2,533 |
| Credit loss provision to net charge-offs | 71.4286% | 2,789 |
| Earnings coverage of net charge-offs (x) | 14.7444% | 1,800 |
| Efficiency ratio | 61.1298% | 5,307 |
| Assets per employee ($millions) | 3.4798% | 4,897 |
| Cash dividends to net income (ytd only)* | 79.9361% | 908 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4191% | 3,948 |
| Loan loss allowance to noncurrent loans | 1,995.7895% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 5,993 |
| Noncurrent loans to loans | 0.0711% | 6,183 |
| Net loans and leases to total assets | 68.8194% | 2,090 |
| Net loans and leases to deposits | 77.2894% | 2,678 |
| Net loans and leases to core deposits | 84.1444% | 2,543 |
| Total domestic deposits to total assets | 89.0411% | 1,609 |
| Equity capital to assets | 9.3371% | 4,803 |
| Core capital (leverage) ratio | 9.3827% | 4,413 |
| Tier 1 risk-based capital ratio | 13.3386% | 4,889 |
| Total risk-based capital ratio | 14.5906% | 4,834 |
| Memoranda: |
| Average total assets | $186,155,330 | 3,253 |
| Average earning assets | $169,948,000 | 3,255 |
| Average equity | $17,719,000 | 3,526 |
| Average total loans | $130,352,000 | 2,870 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7964% | 234 |
| Cost of funding earning assets | 0.7523% | 1,832 |
| Net interest margin | 5.0441% | 277 |
| Noninterest income to average assets | 0.7388% | 2,381 |
| Noninterest expense to average assets | 3.4412% | 1,737 |
| Loan and lease loss provision to assets | 0.0632% | 3,575 |
| Net operating income to assets | 1.2270% | 1,442 |
| Return on assets (ROA) | 1.2270% | 1,557 |
| Pretax return on assets | 1.8372% | 822 |
| Return on Equity (ROE) | 12.7639% | 1,223 |
| Retained earnings to average equity (ytd only) | -9.9073% | 6,613 |
| Net charge-offs to loans | 0.0963% | 2,890 |
| Credit loss provision to net charge-offs | 93.5484% | 1,961 |
| Earnings coverage of net charge-offs (x) | 28.1290% | 991 |
| Efficiency ratio | 64.4227% | 4,935 |
| Assets per employee ($millions) | 3.5235% | 4,935 |
| Cash dividends to net income (ytd only)* | 177.6199% | 270 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4954% | 3,848 |
| Loan loss allowance to noncurrent loans | 7,728.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 5,409 |
| Noncurrent loans to loans | 0.0194% | 6,438 |
| Net loans and leases to total assets | 66.8878% | 2,216 |
| Net loans and leases to deposits | 75.2110% | 2,740 |
| Net loans and leases to core deposits | 81.6593% | 2,619 |
| Total domestic deposits to total assets | 88.9335% | 1,717 |
| Equity capital to assets | 9.1518% | 5,310 |
| Core capital (leverage) ratio | 9.0992% | 4,716 |
| Tier 1 risk-based capital ratio | 13.1135% | 5,136 |
| Total risk-based capital ratio | 14.3665% | 5,085 |
| Memoranda: |
| Average total assets | $183,539,000 | 3,307 |
| Average earning assets | $167,482,500 | 3,314 |
| Average equity | $17,643,500 | 3,571 |
| Average total loans | $128,724,000 | 2,911 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1574% | 208 |
| Cost of funding earning assets | 0.7462% | 3,110 |
| Net interest margin | 5.4112% | 195 |
| Noninterest income to average assets | 0.8938% | 1,878 |
| Noninterest expense to average assets | 3.3833% | 2,093 |
| Loan and lease loss provision to assets | 0.2015% | 3,124 |
| Net operating income to assets | 1.4799% | 957 |
| Return on assets (ROA) | 1.4799% | 1,062 |
| Pretax return on assets | 2.2272% | 387 |
| Return on Equity (ROE) | 14.9173% | 822 |
| Retained earnings to average equity (ytd only) | 10.2367% | 552 |
| Net charge-offs to loans | 0.0565% | 5,136 |
| Credit loss provision to net charge-offs | 516.6667% | 467 |
| Earnings coverage of net charge-offs (x) | 62.2879% | 577 |
| Efficiency ratio | 58.2131% | 5,798 |
| Assets per employee ($millions) | 3.1019% | 5,843 |
| Cash dividends to net income (ytd only)* | 31.3772% | 3,311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5080% | 3,717 |
| Loan loss allowance to noncurrent loans | 782.9960% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 6,217 |
| Noncurrent loans to loans | 0.1926% | 5,983 |
| Net loans and leases to total assets | 71.4417% | 1,583 |
| Net loans and leases to deposits | 83.7417% | 1,784 |
| Net loans and leases to core deposits | 88.8261% | 1,990 |
| Total domestic deposits to total assets | 85.3119% | 3,703 |
| Equity capital to assets | 10.1092% | 4,025 |
| Core capital (leverage) ratio | 9.9380% | 3,485 |
| Tier 1 risk-based capital ratio | 13.7897% | 4,541 |
| Total risk-based capital ratio | 15.0434% | 4,492 |
| Memoranda: |
| Average total assets | $169,271,200 | 3,469 |
| Average earning assets | $153,847,400 | 3,488 |
| Average equity | $16,792,600 | 3,656 |
| Average total loans | $116,903,600 | 3,145 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1216% | 245 |
| Cost of funding earning assets | 0.7582% | 3,283 |
| Net interest margin | 5.3634% | 216 |
| Noninterest income to average assets | 0.9120% | 1,788 |
| Noninterest expense to average assets | 3.3144% | 2,229 |
| Loan and lease loss provision to assets | 0.1482% | 3,684 |
| Net operating income to assets | 1.5397% | 959 |
| Return on assets (ROA) | 1.5397% | 1,065 |
| Pretax return on assets | 2.3179% | 394 |
| Return on Equity (ROE) | 15.5988% | 799 |
| Retained earnings to average equity (ytd only) | 9.2560% | 1,137 |
| Net charge-offs to loans | 0.0807% | 4,590 |
| Credit loss provision to net charge-offs | 269.5652% | 1,010 |
| Earnings coverage of net charge-offs (x) | 44.8685% | 814 |
| Efficiency ratio | 57.3377% | 5,876 |
| Assets per employee ($millions) | 3.2041% | 5,628 |
| Cash dividends to net income (ytd only)* | 40.6620% | 2,133 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4328% | 4,229 |
| Loan loss allowance to noncurrent loans | 541.4634% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 6,234 |
| Noncurrent loans to loans | 0.2646% | 5,955 |
| Net loans and leases to total assets | 70.6136% | 1,800 |
| Net loans and leases to deposits | 81.8078% | 2,150 |
| Net loans and leases to core deposits | 86.0915% | 2,452 |
| Total domestic deposits to total assets | 86.3165% | 3,076 |
| Equity capital to assets | 10.0318% | 4,448 |
| Core capital (leverage) ratio | 9.8810% | 3,710 |
| Tier 1 risk-based capital ratio | 13.7093% | 4,751 |
| Total risk-based capital ratio | 14.9621% | 4,697 |
| Memoranda: |
| Average total assets | $167,386,500 | 3,530 |
| Average earning assets | $151,939,500 | 3,553 |
| Average equity | $16,522,250 | 3,734 |
| Average total loans | $114,067,000 | 3,234 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0473% | 277 |
| Cost of funding earning assets | 0.7900% | 3,271 |
| Net interest margin | 5.2572% | 259 |
| Noninterest income to average assets | 0.9703% | 1,544 |
| Noninterest expense to average assets | 3.2373% | 2,473 |
| Loan and lease loss provision to assets | 0.0943% | 4,377 |
| Net operating income to assets | 1.5987% | 839 |
| Return on assets (ROA) | 1.5987% | 935 |
| Pretax return on assets | 2.4071% | 340 |
| Return on Equity (ROE) | 16.2891% | 725 |
| Retained earnings to average equity (ytd only) | 6.6117% | 2,325 |
| Net charge-offs to loans | -0.0325% | 6,553 |
| Credit loss provision to net charge-offs | -433.3333% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4119% | 6,072 |
| Assets per employee ($millions) | 3.1484% | 5,758 |
| Cash dividends to net income (ytd only)* | 59.4104% | 1,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4998% | 4,009 |
| Loan loss allowance to noncurrent loans | 1,057.2289% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 6,559 |
| Noncurrent loans to loans | 0.1419% | 6,307 |
| Net loans and leases to total assets | 67.7962% | 2,314 |
| Net loans and leases to deposits | 76.7389% | 2,880 |
| Net loans and leases to core deposits | 80.1320% | 3,197 |
| Total domestic deposits to total assets | 88.3466% | 1,933 |
| Equity capital to assets | 9.8076% | 4,614 |
| Core capital (leverage) ratio | 9.6034% | 3,995 |
| Tier 1 risk-based capital ratio | 13.8988% | 4,526 |
| Total risk-based capital ratio | 15.1516% | 4,496 |
| Memoranda: |
| Average total assets | $165,509,000 | 3,577 |
| Average earning assets | $150,117,330 | 3,603 |
| Average equity | $16,244,000 | 3,767 |
| Average total loans | $110,772,330 | 3,314 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8882% | 363 |
| Cost of funding earning assets | 0.8481% | 3,083 |
| Net interest margin | 5.0401% | 371 |
| Noninterest income to average assets | 0.8918% | 1,783 |
| Noninterest expense to average assets | 3.1900% | 2,636 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5215% | 983 |
| Return on assets (ROA) | 1.5215% | 1,106 |
| Pretax return on assets | 2.2884% | 461 |
| Return on Equity (ROE) | 15.4969% | 888 |
| Retained earnings to average equity (ytd only) | -4.1175% | 6,510 |
| Net charge-offs to loans | 0.0186% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 186.8000% | 196 |
| Efficiency ratio | 58.2290% | 5,881 |
| Assets per employee ($millions) | 3.4164% | 5,306 |
| Cash dividends to net income (ytd only)* | 126.5700% | 397 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5041% | 4,133 |
| Loan loss allowance to noncurrent loans | 1,401.6949% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 6,713 |
| Noncurrent loans to loans | 0.1073% | 6,490 |
| Net loans and leases to total assets | 63.4096% | 2,966 |
| Net loans and leases to deposits | 71.7874% | 3,463 |
| Net loans and leases to core deposits | 74.9351% | 3,756 |
| Total domestic deposits to total assets | 88.3297% | 2,111 |
| Equity capital to assets | 9.3339% | 5,049 |
| Core capital (leverage) ratio | 9.4905% | 4,061 |
| Tier 1 risk-based capital ratio | 13.8311% | 4,588 |
| Total risk-based capital ratio | 15.0843% | 4,560 |
| Memoranda: |
| Average total assets | $163,258,000 | 3,635 |
| Average earning assets | $148,569,000 | 3,646 |
| Average equity | $16,029,000 | 3,810 |
| Average total loans | $107,650,500 | 3,419 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1724% | 326 |
| Cost of funding earning assets | 1.0018% | 3,367 |
| Net interest margin | 5.1706% | 300 |
| Noninterest income to average assets | 0.9955% | 1,380 |
| Noninterest expense to average assets | 3.3387% | 2,394 |
| Loan and lease loss provision to assets | 0.1758% | 4,433 |
| Net operating income to assets | 1.4643% | 896 |
| Return on assets (ROA) | 1.4808% | 939 |
| Pretax return on assets | 2.2263% | 346 |
| Return on Equity (ROE) | 14.9223% | 753 |
| Retained earnings to average equity (ytd only) | 14.9223% | 138 |
| Net charge-offs to loans | -0.0327% | 7,012 |
| Credit loss provision to net charge-offs | -821.8750% | 6,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4094% | 5,998 |
| Assets per employee ($millions) | 3.3847% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5750% | 3,680 |
| Loan loss allowance to noncurrent loans | 1,266.4122% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 6,743 |
| Noncurrent loans to loans | 0.1244% | 6,494 |
| Net loans and leases to total assets | 66.5860% | 2,665 |
| Net loans and leases to deposits | 76.1244% | 3,160 |
| Net loans and leases to core deposits | 79.4697% | 3,510 |
| Total domestic deposits to total assets | 87.4700% | 2,487 |
| Equity capital to assets | 10.3495% | 3,709 |
| Core capital (leverage) ratio | 10.1308% | 3,190 |
| Tier 1 risk-based capital ratio | 14.8933% | 3,704 |
| Total risk-based capital ratio | 16.1469% | 3,676 |
| Memoranda: |
| Average total assets | $149,578,400 | 3,808 |
| Average earning assets | $136,560,200 | 3,811 |
| Average equity | $14,843,600 | 3,943 |
| Average total loans | $97,764,200 | 3,677 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1575% | 355 |
| Cost of funding earning assets | 1.0394% | 3,397 |
| Net interest margin | 5.1181% | 326 |
| Noninterest income to average assets | 1.0014% | 1,337 |
| Noninterest expense to average assets | 3.3286% | 2,407 |
| Loan and lease loss provision to assets | 0.1882% | 4,151 |
| Net operating income to assets | 1.4390% | 1,079 |
| Return on assets (ROA) | 1.4607% | 1,101 |
| Pretax return on assets | 2.1956% | 429 |
| Return on Equity (ROE) | 14.8879% | 855 |
| Retained earnings to average equity (ytd only) | 14.8879% | 239 |
| Net charge-offs to loans | 0.0362% | 5,638 |
| Credit loss provision to net charge-offs | 803.8462% | 333 |
| Earnings coverage of net charge-offs (x) | 100.4110% | 364 |
| Efficiency ratio | 58.6016% | 5,917 |
| Assets per employee ($millions) | 3.2652% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5018% | 4,079 |
| Loan loss allowance to noncurrent loans | 822.8723% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 6,738 |
| Noncurrent loans to loans | 0.1825% | 6,508 |
| Net loans and leases to total assets | 66.1147% | 2,879 |
| Net loans and leases to deposits | 75.4770% | 3,415 |
| Net loans and leases to core deposits | 78.0719% | 3,899 |
| Total domestic deposits to total assets | 87.5959% | 2,294 |
| Equity capital to assets | 10.1378% | 4,172 |
| Core capital (leverage) ratio | 10.0064% | 3,435 |
| Tier 1 risk-based capital ratio | 14.7079% | 3,831 |
| Total risk-based capital ratio | 15.9615% | 3,807 |
| Memoranda: |
| Average total assets | $148,048,500 | 3,858 |
| Average earning assets | $135,333,250 | 3,853 |
| Average equity | $14,526,000 | 4,025 |
| Average total loans | $95,872,250 | 3,762 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1087% | 375 |
| Cost of funding earning assets | 1.1092% | 3,169 |
| Net interest margin | 4.9996% | 395 |
| Noninterest income to average assets | 1.0024% | 1,305 |
| Noninterest expense to average assets | 3.3150% | 2,509 |
| Loan and lease loss provision to assets | 0.1313% | 4,655 |
| Net operating income to assets | 1.4018% | 1,078 |
| Return on assets (ROA) | 1.4018% | 1,146 |
| Pretax return on assets | 2.1239% | 469 |
| Return on Equity (ROE) | 14.4549% | 895 |
| Retained earnings to average equity (ytd only) | 14.4549% | 284 |
| Net charge-offs to loans | 0.0128% | 5,669 |
| Credit loss provision to net charge-offs | 1,600.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 274.8333% | 125 |
| Efficiency ratio | 59.5139% | 5,943 |
| Assets per employee ($millions) | 3.4821% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4945% | 4,157 |
| Loan loss allowance to noncurrent loans | 769.3122% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 6,779 |
| Noncurrent loans to loans | 0.1943% | 6,522 |
| Net loans and leases to total assets | 64.0064% | 3,461 |
| Net loans and leases to deposits | 72.7219% | 3,994 |
| Net loans and leases to core deposits | 74.5531% | 4,499 |
| Total domestic deposits to total assets | 88.0153% | 2,125 |
| Equity capital to assets | 9.9304% | 4,242 |
| Core capital (leverage) ratio | 9.6602% | 3,719 |
| Tier 1 risk-based capital ratio | 14.8836% | 3,563 |
| Total risk-based capital ratio | 16.1366% | 3,531 |
| Memoranda: |
| Average total assets | $146,243,000 | 3,914 |
| Average earning assets | $133,611,670 | 3,915 |
| Average equity | $14,182,000 | 4,089 |
| Average total loans | $93,493,000 | 3,849 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9709% | 500 |
| Cost of funding earning assets | 1.1670% | 3,044 |
| Net interest margin | 4.8039% | 567 |
| Noninterest income to average assets | 1.0685% | 1,148 |
| Noninterest expense to average assets | 3.3467% | 2,414 |
| Loan and lease loss provision to assets | 0.1716% | 3,916 |
| Net operating income to assets | 1.3287% | 1,206 |
| Return on assets (ROA) | 1.3287% | 1,253 |
| Pretax return on assets | 1.9599% | 595 |
| Return on Equity (ROE) | 13.8743% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.8743% | 484 |
| Net charge-offs to loans | 0.1223% | 3,797 |
| Credit loss provision to net charge-offs | 221.4286% | 1,370 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 896 |
| Efficiency ratio | 61.0915% | 5,823 |
| Assets per employee ($millions) | 3.5030% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5277% | 4,063 |
| Loan loss allowance to noncurrent loans | 15,533.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 7,186 |
| Noncurrent loans to loans | 0.0098% | 7,055 |
| Net loans and leases to total assets | 59.8249% | 4,302 |
| Net loans and leases to deposits | 67.8465% | 4,696 |
| Net loans and leases to core deposits | 69.5370% | 5,105 |
| Total domestic deposits to total assets | 88.1768% | 2,272 |
| Equity capital to assets | 9.3502% | 4,653 |
| Core capital (leverage) ratio | 9.5130% | 3,784 |
| Tier 1 risk-based capital ratio | 14.7705% | 3,565 |
| Total risk-based capital ratio | 16.0234% | 3,527 |
| Memoranda: |
| Average total assets | $144,498,500 | 3,984 |
| Average earning assets | $132,643,000 | 3,965 |
| Average equity | $13,838,500 | 4,143 |
| Average total loans | $91,593,500 | 3,941 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5637% | 295 |
| Cost of funding earning assets | 1.3558% | 3,535 |
| Net interest margin | 5.2079% | 280 |
| Noninterest income to average assets | 0.9410% | 1,703 |
| Noninterest expense to average assets | 3.4704% | 2,250 |
| Loan and lease loss provision to assets | 0.2775% | 4,589 |
| Net operating income to assets | 1.3892% | 971 |
| Return on assets (ROA) | 1.3892% | 1,042 |
| Pretax return on assets | 1.9275% | 575 |
| Return on Equity (ROE) | 13.9724% | 883 |
| Retained earnings to average equity (ytd only) | 2.9241% | 3,812 |
| Net charge-offs to loans | 0.1964% | 5,119 |
| Credit loss provision to net charge-offs | 210.5556% | 1,458 |
| Earnings coverage of net charge-offs (x) | 16.7278% | 1,192 |
| Efficiency ratio | 61.1484% | 5,866 |
| Assets per employee ($millions) | 3.1448% | 5,779 |
| Cash dividends to net income (ytd only)* | 79.0722% | 884 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4868% | 4,081 |
| Loan loss allowance to noncurrent loans | 1,002.2059% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 6,987 |
| Noncurrent loans to loans | 0.1483% | 6,774 |
| Net loans and leases to total assets | 65.2697% | 3,605 |
| Net loans and leases to deposits | 74.4585% | 4,124 |
| Net loans and leases to core deposits | 76.2946% | 4,662 |
| Total domestic deposits to total assets | 87.6591% | 2,447 |
| Equity capital to assets | 9.8237% | 3,970 |
| Core capital (leverage) ratio | 9.5964% | 3,561 |
| Tier 1 risk-based capital ratio | 14.5978% | 3,480 |
| Total risk-based capital ratio | 15.8509% | 3,441 |
| Memoranda: |
| Average total assets | $136,553,200 | 4,128 |
| Average earning assets | $124,137,800 | 4,150 |
| Average equity | $13,576,800 | 4,242 |
| Average total loans | $91,670,400 | 4,014 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5904% | 292 |
| Cost of funding earning assets | 1.3717% | 3,768 |
| Net interest margin | 5.2188% | 281 |
| Noninterest income to average assets | 0.9258% | 1,705 |
| Noninterest expense to average assets | 3.4327% | 2,199 |
| Loan and lease loss provision to assets | 0.3683% | 3,692 |
| Net operating income to assets | 1.3431% | 1,247 |
| Return on assets (ROA) | 1.3431% | 1,322 |
| Pretax return on assets | 1.8584% | 835 |
| Return on Equity (ROE) | 13.4678% | 1,147 |
| Retained earnings to average equity (ytd only) | -1.2672% | 6,057 |
| Net charge-offs to loans | 0.2560% | 4,411 |
| Credit loss provision to net charge-offs | 213.6364% | 1,644 |
| Earnings coverage of net charge-offs (x) | 12.9148% | 1,639 |
| Efficiency ratio | 60.6543% | 5,847 |
| Assets per employee ($millions) | 3.2280% | 5,616 |
| Cash dividends to net income (ytd only)* | 109.4094% | 282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4540% | 4,187 |
| Loan loss allowance to noncurrent loans | 745.9016% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 7,023 |
| Noncurrent loans to loans | 0.1949% | 6,793 |
| Net loans and leases to total assets | 66.6523% | 3,536 |
| Net loans and leases to deposits | 75.7943% | 4,211 |
| Net loans and leases to core deposits | 77.3707% | 4,878 |
| Total domestic deposits to total assets | 87.9384% | 1,998 |
| Equity capital to assets | 9.5033% | 4,836 |
| Core capital (leverage) ratio | 9.4041% | 4,048 |
| Tier 1 risk-based capital ratio | 13.7891% | 3,988 |
| Total risk-based capital ratio | 15.0411% | 3,945 |
| Memoranda: |
| Average total assets | $136,099,250 | 4,188 |
| Average earning assets | $123,449,000 | 4,212 |
| Average equity | $13,572,750 | 4,309 |
| Average total loans | $91,669,000 | 4,079 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5909% | 291 |
| Cost of funding earning assets | 1.4082% | 3,824 |
| Net interest margin | 5.1827% | 294 |
| Noninterest income to average assets | 0.8476% | 1,895 |
| Noninterest expense to average assets | 3.3699% | 2,344 |
| Loan and lease loss provision to assets | 0.3432% | 3,670 |
| Net operating income to assets | 1.3684% | 1,153 |
| Return on assets (ROA) | 1.3684% | 1,222 |
| Pretax return on assets | 1.8166% | 859 |
| Return on Equity (ROE) | 13.5036% | 1,141 |
| Retained earnings to average equity (ytd only) | 13.5036% | 341 |
| Net charge-offs to loans | 0.2507% | 4,090 |
| Credit loss provision to net charge-offs | 203.5088% | 1,915 |
| Earnings coverage of net charge-offs (x) | 12.8070% | 1,646 |
| Efficiency ratio | 60.9417% | 5,868 |
| Assets per employee ($millions) | 3.1517% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3844% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,428 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 67.4373% | 3,513 |
| Net loans and leases to deposits | 77.4924% | 4,082 |
| Net loans and leases to core deposits | 79.1597% | 4,784 |
| Total domestic deposits to total assets | 87.0243% | 2,521 |
| Equity capital to assets | 10.4765% | 3,439 |
| Core capital (leverage) ratio | 10.1046% | 3,058 |
| Tier 1 risk-based capital ratio | 15.1220% | 3,095 |
| Total risk-based capital ratio | 16.3734% | 3,049 |
| Memoranda: |
| Average total assets | $135,197,670 | 4,234 |
| Average earning assets | $122,137,670 | 4,265 |
| Average equity | $13,700,000 | 4,268 |
| Average total loans | $90,931,670 | 4,127 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5030% | 359 |
| Cost of funding earning assets | 1.4444% | 3,909 |
| Net interest margin | 5.0586% | 373 |
| Noninterest income to average assets | 0.7672% | 2,190 |
| Noninterest expense to average assets | 3.3502% | 2,372 |
| Loan and lease loss provision to assets | 0.3555% | 3,244 |
| Net operating income to assets | 1.3330% | 1,218 |
| Return on assets (ROA) | 1.3330% | 1,291 |
| Pretax return on assets | 1.6055% | 1,253 |
| Return on Equity (ROE) | 13.3819% | 1,172 |
| Retained earnings to average equity (ytd only) | 13.3819% | 573 |
| Net charge-offs to loans | 0.0533% | 4,873 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 55.1667% | 528 |
| Efficiency ratio | 63.0786% | 5,647 |
| Assets per employee ($millions) | 3.0599% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4270% | 4,284 |
| Loan loss allowance to noncurrent loans | 909.2857% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 7,087 |
| Noncurrent loans to loans | 0.1569% | 7,024 |
| Net loans and leases to total assets | 63.8633% | 4,359 |
| Net loans and leases to deposits | 72.9257% | 4,921 |
| Net loans and leases to core deposits | 75.4291% | 5,339 |
| Total domestic deposits to total assets | 87.5732% | 2,318 |
| Equity capital to assets | 9.9133% | 3,967 |
| Core capital (leverage) ratio | 9.9841% | 3,181 |
| Tier 1 risk-based capital ratio | 14.8210% | 3,201 |
| Total risk-based capital ratio | 16.0730% | 3,154 |
| Memoranda: |
| Average total assets | $135,035,000 | 4,301 |
| Average earning assets | $121,297,500 | 4,346 |
| Average equity | $13,451,000 | 4,361 |
| Average total loans | $90,059,500 | 4,196 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0882% | 246 |
| Cost of funding earning assets | 1.6924% | 4,554 |
| Net interest margin | 5.3958% | 209 |
| Noninterest income to average assets | 0.9198% | 1,869 |
| Noninterest expense to average assets | 3.5702% | 2,219 |
| Loan and lease loss provision to assets | 0.3232% | 4,875 |
| Net operating income to assets | 1.2551% | 1,123 |
| Return on assets (ROA) | 1.2551% | 1,179 |
| Pretax return on assets | 1.9016% | 509 |
| Return on Equity (ROE) | 12.4742% | 1,057 |
| Retained earnings to average equity (ytd only) | 12.4742% | 183 |
| Net charge-offs to loans | 0.2118% | 5,298 |
| Credit loss provision to net charge-offs | 219.1257% | 1,724 |
| Earnings coverage of net charge-offs (x) | 15.0820% | 1,332 |
| Efficiency ratio | 61.6080% | 6,218 |
| Assets per employee ($millions) | 3.0785% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2815% | 4,861 |
| Loan loss allowance to noncurrent loans | 562.8019% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 6,981 |
| Noncurrent loans to loans | 0.2277% | 6,863 |
| Net loans and leases to total assets | 67.7955% | 3,747 |
| Net loans and leases to deposits | 78.3717% | 4,302 |
| Net loans and leases to core deposits | 97.1487% | 4,334 |
| Total domestic deposits to total assets | 86.5051% | 2,762 |
| Equity capital to assets | 10.0109% | 3,752 |
| Core capital (leverage) ratio | 10.0291% | 3,057 |
| Tier 1 risk-based capital ratio | 14.2676% | 3,338 |
| Total risk-based capital ratio | 15.5176% | 3,289 |
| Memoranda: |
| Average total assets | $124,054,600 | 4,473 |
| Average earning assets | $112,087,200 | 4,509 |
| Average equity | $12,481,800 | 4,636 |
| Average total loans | $86,393,000 | 4,316 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1396% | 247 |
| Cost of funding earning assets | 1.7268% | 4,764 |
| Net interest margin | 5.4128% | 210 |
| Noninterest income to average assets | 0.9554% | 1,762 |
| Noninterest expense to average assets | 3.5854% | 2,058 |
| Loan and lease loss provision to assets | 0.3553% | 4,195 |
| Net operating income to assets | 1.2724% | 1,278 |
| Return on assets (ROA) | 1.2724% | 1,352 |
| Pretax return on assets | 1.9282% | 623 |
| Return on Equity (ROE) | 12.6286% | 1,196 |
| Retained earnings to average equity (ytd only) | 12.6286% | 291 |
| Net charge-offs to loans | 0.2549% | 4,460 |
| Credit loss provision to net charge-offs | 199.3865% | 2,248 |
| Earnings coverage of net charge-offs (x) | 12.8158% | 1,726 |
| Efficiency ratio | 61.0915% | 6,257 |
| Assets per employee ($millions) | 2.9219% | 6,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2659% | 4,717 |
| Loan loss allowance to noncurrent loans | 353.5032% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 6,159 |
| Noncurrent loans to loans | 0.3581% | 6,636 |
| Net loans and leases to total assets | 68.9032% | 3,745 |
| Net loans and leases to deposits | 79.9874% | 4,390 |
| Net loans and leases to core deposits | 97.4175% | 4,671 |
| Total domestic deposits to total assets | 86.1425% | 2,619 |
| Equity capital to assets | 10.2632% | 3,773 |
| Core capital (leverage) ratio | 10.1270% | 3,142 |
| Tier 1 risk-based capital ratio | 14.4220% | 3,319 |
| Total risk-based capital ratio | 15.6723% | 3,263 |
| Memoranda: |
| Average total assets | $121,974,250 | 4,543 |
| Average earning assets | $110,722,750 | 4,570 |
| Average equity | $12,289,250 | 4,719 |
| Average total loans | $85,263,750 | 4,390 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0878% | 270 |
| Cost of funding earning assets | 1.7938% | 4,796 |
| Net interest margin | 5.2940% | 246 |
| Noninterest income to average assets | 0.9590% | 1,731 |
| Noninterest expense to average assets | 3.6704% | 1,896 |
| Loan and lease loss provision to assets | 0.2103% | 4,939 |
| Net operating income to assets | 1.2588% | 1,333 |
| Return on assets (ROA) | 1.2588% | 1,410 |
| Pretax return on assets | 1.8931% | 706 |
| Return on Equity (ROE) | 12.5752% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.5752% | 371 |
| Net charge-offs to loans | 0.0995% | 5,169 |
| Credit loss provision to net charge-offs | 302.3810% | 1,536 |
| Earnings coverage of net charge-offs (x) | 30.2381% | 991 |
| Efficiency ratio | 63.5686% | 5,991 |
| Assets per employee ($millions) | 2.9984% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1904% | 5,015 |
| Loan loss allowance to noncurrent loans | 388.3459% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 6,621 |
| Noncurrent loans to loans | 0.3065% | 6,750 |
| Net loans and leases to total assets | 69.7474% | 3,768 |
| Net loans and leases to deposits | 80.4942% | 4,472 |
| Net loans and leases to core deposits | 96.4467% | 4,850 |
| Total domestic deposits to total assets | 86.6490% | 2,431 |
| Equity capital to assets | 10.1330% | 3,786 |
| Core capital (leverage) ratio | 9.9264% | 3,374 |
| Tier 1 risk-based capital ratio | 14.2430% | 3,382 |
| Total risk-based capital ratio | 15.4408% | 3,345 |
| Memoranda: |
| Average total assets | $120,751,330 | 4,616 |
| Average earning assets | $109,822,000 | 4,630 |
| Average equity | $12,087,330 | 4,790 |
| Average total loans | $84,457,670 | 4,446 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9880% | 350 |
| Cost of funding earning assets | 1.8622% | 4,821 |
| Net interest margin | 5.1257% | 321 |
| Noninterest income to average assets | 0.8624% | 2,022 |
| Noninterest expense to average assets | 3.5334% | 2,021 |
| Loan and lease loss provision to assets | 0.1203% | 5,418 |
| Net operating income to assets | 1.2502% | 1,508 |
| Return on assets (ROA) | 1.2502% | 1,613 |
| Pretax return on assets | 1.8920% | 812 |
| Return on Equity (ROE) | 12.5688% | 1,494 |
| Retained earnings to average equity (ytd only) | 12.5688% | 699 |
| Net charge-offs to loans | -0.0960% | 7,865 |
| Credit loss provision to net charge-offs | -180.0000% | 6,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7131% | 5,742 |
| Assets per employee ($millions) | 3.1319% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2097% | 4,738 |
| Loan loss allowance to noncurrent loans | 639.4904% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 6,994 |
| Noncurrent loans to loans | 0.1892% | 6,991 |
| Net loans and leases to total assets | 67.1262% | 4,316 |
| Net loans and leases to deposits | 77.3714% | 5,032 |
| Net loans and leases to core deposits | 92.2565% | 5,325 |
| Total domestic deposits to total assets | 86.7585% | 2,333 |
| Equity capital to assets | 9.8808% | 4,145 |
| Core capital (leverage) ratio | 9.8172% | 3,617 |
| Tier 1 risk-based capital ratio | 14.3415% | 3,404 |
| Total risk-based capital ratio | 15.5517% | 3,351 |
| Memoranda: |
| Average total assets | $119,659,500 | 4,669 |
| Average earning assets | $109,330,500 | 4,661 |
| Average equity | $11,902,500 | 4,865 |
| Average total loans | $83,298,000 | 4,517 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5425% | 381 |
| Cost of funding earning assets | 2.4325% | 4,559 |
| Net interest margin | 5.1100% | 396 |
| Noninterest income to average assets | 0.9273% | 1,867 |
| Noninterest expense to average assets | 3.5109% | 2,366 |
| Loan and lease loss provision to assets | 0.2931% | 4,041 |
| Net operating income to assets | 1.1478% | 1,955 |
| Return on assets (ROA) | 1.1478% | 1,879 |
| Pretax return on assets | 1.7392% | 1,068 |
| Return on Equity (ROE) | 12.3299% | 1,505 |
| Retained earnings to average equity (ytd only) | 12.3299% | 206 |
| Net charge-offs to loans | 0.3711% | 2,984 |
| Credit loss provision to net charge-offs | 111.3636% | 4,843 |
| Earnings coverage of net charge-offs (x) | 7.7208% | 3,036 |
| Efficiency ratio | 63.3364% | 5,702 |
| Assets per employee ($millions) | 2.8579% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1340% | 5,030 |
| Loan loss allowance to noncurrent loans | 412.1739% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 6,581 |
| Noncurrent loans to loans | 0.2751% | 6,547 |
| Net loans and leases to total assets | 70.5384% | 3,896 |
| Net loans and leases to deposits | 82.9848% | 4,577 |
| Net loans and leases to core deposits | 100.9059% | 4,733 |
| Total domestic deposits to total assets | 85.0017% | 2,844 |
| Equity capital to assets | 10.0160% | 4,018 |
| Core capital (leverage) ratio | 9.7833% | 3,674 |
| Tier 1 risk-based capital ratio | 14.0521% | 3,525 |
| Total risk-based capital ratio | 15.2081% | 3,485 |
| Memoranda: |
| Average total assets | $117,007,800 | 4,590 |
| Average earning assets | $105,695,000 | 4,620 |
| Average equity | $10,892,200 | 5,155 |
| Average total loans | $82,988,600 | 4,425 |
