| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2045% | 2,715 |
| Cost of funding earning assets | 1.5942% | 2,989 |
| Net interest margin | 3.6102% | 2,060 |
| Noninterest income to average assets | 0.7200% | 983 |
| Noninterest expense to average assets | 2.8786% | 1,363 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 1.2237% | 1,674 |
| Return on assets (ROA) | 1.2237% | 1,669 |
| Pretax return on assets | 1.2237% | 2,177 |
| Return on Equity (ROE) | 15.4200% | 989 |
| Retained earnings to average equity (ytd only) | 9.1155% | 1,413 |
| Net charge-offs to loans | 0.0374% | 1,308 |
| Credit loss provision to net charge-offs | 100.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 61.8261% | 902 |
| Efficiency ratio | 69.8281% | 1,831 |
| Assets per employee ($millions) | 5.8802% | 3,030 |
| Cash dividends to net income (ytd only)* | 40.8863% | 1,452 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4056% | 1,281 |
| Loan loss allowance to noncurrent loans | 185.1852% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 1,697 |
| Noncurrent loans to loans | 0.7590% | 1,364 |
| Net loans and leases to total assets | 53.5300% | 3,377 |
| Net loans and leases to deposits | 58.3573% | 3,552 |
| Net loans and leases to core deposits | 61.5190% | 3,635 |
| Total domestic deposits to total assets | 91.7200% | 346 |
| Equity capital to assets | 7.9527% | 3,619 |
| Core capital (leverage) ratio | 10.7880% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $457,311,500 | 1,911 |
| Average earning assets | $431,551,000 | 1,880 |
| Average equity | $36,290,000 | 2,173 |
| Average total loans | $246,233,500 | 2,135 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2553% | 2,618 |
| Cost of funding earning assets | 1.6174% | 3,144 |
| Net interest margin | 3.6378% | 1,809 |
| Noninterest income to average assets | 0.7700% | 981 |
| Noninterest expense to average assets | 2.9542% | 1,225 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.1812% | 1,551 |
| Return on assets (ROA) | 1.1812% | 1,550 |
| Pretax return on assets | 1.1781% | 2,041 |
| Return on Equity (ROE) | 14.5300% | 1,022 |
| Retained earnings to average equity (ytd only) | 4.7275% | 2,346 |
| Net charge-offs to loans | 0.0383% | 1,819 |
| Credit loss provision to net charge-offs | 415.7895% | 729 |
| Earnings coverage of net charge-offs (x) | 60.0526% | 1,097 |
| Efficiency ratio | 70.0068% | 1,991 |
| Assets per employee ($millions) | 5.5606% | 3,248 |
| Cash dividends to net income (ytd only)* | 67.4681% | 907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4376% | 1,187 |
| Loan loss allowance to noncurrent loans | 158.2278% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 1,412 |
| Noncurrent loans to loans | 0.9086% | 1,094 |
| Net loans and leases to total assets | 52.6300% | 3,487 |
| Net loans and leases to deposits | 57.3164% | 3,646 |
| Net loans and leases to core deposits | 60.2552% | 3,742 |
| Total domestic deposits to total assets | 91.8200% | 335 |
| Equity capital to assets | 7.9183% | 3,557 |
| Core capital (leverage) ratio | 10.8959% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $450,741,200 | 1,901 |
| Average earning assets | $427,094,200 | 1,859 |
| Average equity | $36,637,000 | 2,108 |
| Average total loans | $248,042,800 | 2,090 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2899% | 2,475 |
| Cost of funding earning assets | 1.6487% | 3,056 |
| Net interest margin | 3.6412% | 1,757 |
| Noninterest income to average assets | 0.7800% | 920 |
| Noninterest expense to average assets | 2.7940% | 1,472 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.3353% | 1,242 |
| Return on assets (ROA) | 1.3353% | 1,243 |
| Pretax return on assets | 1.3311% | 1,686 |
| Return on Equity (ROE) | 16.3200% | 778 |
| Retained earnings to average equity (ytd only) | 13.1662% | 374 |
| Net charge-offs to loans | 0.0369% | 1,598 |
| Credit loss provision to net charge-offs | 534.7826% | 602 |
| Earnings coverage of net charge-offs (x) | 70.3768% | 1,003 |
| Efficiency ratio | 65.9801% | 2,490 |
| Assets per employee ($millions) | 5.4354% | 3,330 |
| Cash dividends to net income (ytd only)* | 19.3290% | 2,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4446% | 1,197 |
| Loan loss allowance to noncurrent loans | 142.1031% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 1,220 |
| Noncurrent loans to loans | 1.0166% | 980 |
| Net loans and leases to total assets | 54.9100% | 3,350 |
| Net loans and leases to deposits | 60.4825% | 3,569 |
| Net loans and leases to core deposits | 63.9442% | 3,644 |
| Total domestic deposits to total assets | 90.7900% | 408 |
| Equity capital to assets | 8.9960% | 3,046 |
| Core capital (leverage) ratio | 11.2205% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $449,433,750 | 1,898 |
| Average earning assets | $426,586,500 | 1,860 |
| Average equity | $36,770,000 | 2,104 |
| Average total loans | $249,188,750 | 2,069 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2313% | 2,475 |
| Cost of funding earning assets | 1.6584% | 2,959 |
| Net interest margin | 3.5729% | 1,829 |
| Noninterest income to average assets | 0.7100% | 1,073 |
| Noninterest expense to average assets | 2.6639% | 1,775 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 1.2494% | 1,367 |
| Return on assets (ROA) | 1.2494% | 1,367 |
| Pretax return on assets | 1.2494% | 1,817 |
| Return on Equity (ROE) | 15.7700% | 869 |
| Retained earnings to average equity (ytd only) | 12.5321% | 490 |
| Net charge-offs to loans | 0.1002% | 869 |
| Credit loss provision to net charge-offs | 338.0952% | 777 |
| Earnings coverage of net charge-offs (x) | 25.9048% | 1,484 |
| Efficiency ratio | 64.9597% | 2,659 |
| Assets per employee ($millions) | 5.7778% | 2,990 |
| Cash dividends to net income (ytd only)* | 20.5426% | 2,491 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4168% | 1,317 |
| Loan loss allowance to noncurrent loans | 162.9423% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 1,337 |
| Noncurrent loans to loans | 0.8695% | 1,084 |
| Net loans and leases to total assets | 54.7400% | 3,357 |
| Net loans and leases to deposits | 59.8625% | 3,583 |
| Net loans and leases to core deposits | 62.9321% | 3,660 |
| Total domestic deposits to total assets | 91.4500% | 362 |
| Equity capital to assets | 8.1943% | 3,305 |
| Core capital (leverage) ratio | 10.7003% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $454,302,333 | 1,875 |
| Average earning assets | $430,905,333 | 1,835 |
| Average equity | $35,987,667 | 2,100 |
| Average total loans | $251,490,667 | 2,054 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0939% | 2,604 |
| Cost of funding earning assets | 1.6909% | 2,778 |
| Net interest margin | 3.4030% | 2,096 |
| Noninterest income to average assets | 0.7000% | 1,035 |
| Noninterest expense to average assets | 2.6509% | 1,820 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 1.2836% | 1,270 |
| Return on assets (ROA) | 1.2836% | 1,277 |
| Pretax return on assets | 1.2836% | 1,677 |
| Return on Equity (ROE) | 16.4800% | 778 |
| Retained earnings to average equity (ytd only) | 13.2127% | 581 |
| Net charge-offs to loans | -0.0158% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.5250% | 2,427 |
| Assets per employee ($millions) | 5.8330% | 2,966 |
| Cash dividends to net income (ytd only)* | 19.8235% | 2,007 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2682% | 1,903 |
| Loan loss allowance to noncurrent loans | 134.7368% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 1,220 |
| Noncurrent loans to loans | 0.9412% | 925 |
| Net loans and leases to total assets | 54.7600% | 3,287 |
| Net loans and leases to deposits | 59.7968% | 3,523 |
| Net loans and leases to core deposits | 62.5672% | 3,670 |
| Total domestic deposits to total assets | 91.5700% | 408 |
| Equity capital to assets | 7.9691% | 3,387 |
| Core capital (leverage) ratio | 10.0947% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $459,006,500 | 1,864 |
| Average earning assets | $435,033,500 | 1,837 |
| Average equity | $35,753,500 | 2,106 |
| Average total loans | $253,714,000 | 2,031 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6198% | 2,854 |
| Cost of funding earning assets | 1.2995% | 2,513 |
| Net interest margin | 3.3204% | 2,577 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.9887% | 1,142 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.9080% | 2,521 |
| Return on assets (ROA) | 0.9080% | 2,494 |
| Pretax return on assets | 0.8933% | 2,980 |
| Return on Equity (ROE) | 14.4700% | 1,389 |
| Retained earnings to average equity (ytd only) | 11.2182% | 747 |
| Net charge-offs to loans | -0.0109% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.0990% | 1,150 |
| Assets per employee ($millions) | 5.5124% | 3,242 |
| Cash dividends to net income (ytd only)* | 22.4941% | 2,850 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2544% | 1,993 |
| Loan loss allowance to noncurrent loans | 137.3391% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 1,115 |
| Noncurrent loans to loans | 0.9134% | 823 |
| Net loans and leases to total assets | 54.4000% | 3,322 |
| Net loans and leases to deposits | 59.0458% | 3,577 |
| Net loans and leases to core deposits | 61.5721% | 3,698 |
| Total domestic deposits to total assets | 92.1300% | 287 |
| Equity capital to assets | 7.6127% | 3,652 |
| Core capital (leverage) ratio | 10.0228% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $463,649,200 | 1,815 |
| Average earning assets | $441,186,200 | 1,772 |
| Average equity | $29,086,600 | 2,311 |
| Average total loans | $237,710,200 | 2,071 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5204% | 2,865 |
| Cost of funding earning assets | 1.2166% | 2,375 |
| Net interest margin | 3.3039% | 2,677 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.7856% | 1,469 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.1142% | 2,008 |
| Return on assets (ROA) | 1.1142% | 1,993 |
| Pretax return on assets | 1.0910% | 2,591 |
| Return on Equity (ROE) | 18.7600% | 849 |
| Retained earnings to average equity (ytd only) | 14.1773% | 653 |
| Net charge-offs to loans | -0.0257% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.0982% | 1,555 |
| Assets per employee ($millions) | 4.8464% | 3,712 |
| Cash dividends to net income (ytd only)* | 24.4324% | 2,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2993% | 1,871 |
| Loan loss allowance to noncurrent loans | 153.4772% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 1,236 |
| Noncurrent loans to loans | 0.8466% | 976 |
| Net loans and leases to total assets | 53.9300% | 3,365 |
| Net loans and leases to deposits | 59.8941% | 3,509 |
| Net loans and leases to core deposits | 62.4601% | 3,594 |
| Total domestic deposits to total assets | 90.0500% | 925 |
| Equity capital to assets | 6.6578% | 3,769 |
| Core capital (leverage) ratio | 10.0460% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $463,801,250 | 1,815 |
| Average earning assets | $441,892,500 | 1,771 |
| Average equity | $27,545,750 | 2,375 |
| Average total loans | $233,363,000 | 2,089 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3877% | 2,912 |
| Cost of funding earning assets | 1.1381% | 2,172 |
| Net interest margin | 3.2495% | 2,867 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.6803% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1440% | 1,988 |
| Return on assets (ROA) | 1.1440% | 1,983 |
| Pretax return on assets | 1.1099% | 2,617 |
| Return on Equity (ROE) | 20.0400% | 702 |
| Retained earnings to average equity (ytd only) | 15.3863% | 529 |
| Net charge-offs to loans | 0.0044% | 2,133 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 520.6000% | 284 |
| Efficiency ratio | 70.6770% | 1,702 |
| Assets per employee ($millions) | 4.9247% | 3,653 |
| Cash dividends to net income (ytd only)* | 23.2263% | 2,325 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3443% | 1,734 |
| Loan loss allowance to noncurrent loans | 153.6984% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 1,154 |
| Noncurrent loans to loans | 0.8746% | 868 |
| Net loans and leases to total assets | 51.8300% | 3,426 |
| Net loans and leases to deposits | 55.3542% | 3,675 |
| Net loans and leases to core deposits | 57.1821% | 3,759 |
| Total domestic deposits to total assets | 93.6400% | 177 |
| Equity capital to assets | 6.0507% | 4,130 |
| Core capital (leverage) ratio | 9.6313% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $468,162,000 | 1,800 |
| Average earning assets | $446,708,333 | 1,766 |
| Average equity | $26,725,000 | 2,426 |
| Average total loans | $229,054,667 | 2,102 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2370% | 2,960 |
| Cost of funding earning assets | 1.0463% | 1,891 |
| Net interest margin | 3.1907% | 3,140 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.4856% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3109% | 1,644 |
| Return on assets (ROA) | 1.3109% | 1,613 |
| Pretax return on assets | 1.2436% | 2,324 |
| Return on Equity (ROE) | 23.6400% | 466 |
| Retained earnings to average equity (ytd only) | 19.0899% | 431 |
| Net charge-offs to loans | -0.0071% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.7118% | 2,124 |
| Assets per employee ($millions) | 5.2463% | 3,463 |
| Cash dividends to net income (ytd only)* | 19.2431% | 1,997 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4067% | 1,593 |
| Loan loss allowance to noncurrent loans | 135.5932% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 1,024 |
| Noncurrent loans to loans | 1.0374% | 702 |
| Net loans and leases to total assets | 48.0400% | 3,630 |
| Net loans and leases to deposits | 51.2064% | 3,837 |
| Net loans and leases to core deposits | 52.6284% | 3,882 |
| Total domestic deposits to total assets | 93.8100% | 190 |
| Equity capital to assets | 5.9325% | 4,225 |
| Core capital (leverage) ratio | 9.2080% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $475,706,500 | 1,805 |
| Average earning assets | $454,567,000 | 1,763 |
| Average equity | $26,380,500 | 2,468 |
| Average total loans | $224,562,500 | 2,141 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5508% | 2,939 |
| Cost of funding earning assets | 0.4444% | 1,755 |
| Net interest margin | 3.1064% | 3,162 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.4821% | 2,176 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.2139% | 1,718 |
| Return on assets (ROA) | 0.8539% | 3,073 |
| Pretax return on assets | 0.8539% | 3,479 |
| Return on Equity (ROE) | 14.7100% | 1,338 |
| Retained earnings to average equity (ytd only) | 9.2980% | 1,388 |
| Net charge-offs to loans | -0.0490% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5494% | 2,017 |
| Assets per employee ($millions) | 5.4437% | 3,274 |
| Cash dividends to net income (ytd only)* | 36.7847% | 2,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4438% | 1,360 |
| Loan loss allowance to noncurrent loans | 127.8977% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 984 |
| Noncurrent loans to loans | 1.1289% | 638 |
| Net loans and leases to total assets | 45.0900% | 3,843 |
| Net loans and leases to deposits | 47.5901% | 3,989 |
| Net loans and leases to core deposits | 48.9885% | 4,017 |
| Total domestic deposits to total assets | 94.7400% | 167 |
| Equity capital to assets | 5.1727% | 4,317 |
| Core capital (leverage) ratio | 9.0468% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $482,972,000 | 1,763 |
| Average earning assets | $465,558,400 | 1,712 |
| Average equity | $28,038,400 | 2,427 |
| Average total loans | $212,054,000 | 2,155 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3245% | 3,119 |
| Cost of funding earning assets | 0.3164% | 2,000 |
| Net interest margin | 3.0081% | 3,201 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.2508% | 2,786 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.3621% | 1,189 |
| Return on assets (ROA) | 0.8816% | 2,927 |
| Pretax return on assets | 0.8816% | 3,375 |
| Return on Equity (ROE) | 14.7800% | 1,222 |
| Retained earnings to average equity (ytd only) | 8.2362% | 1,917 |
| Net charge-offs to loans | -0.0566% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7271% | 2,728 |
| Assets per employee ($millions) | 5.3313% | 3,392 |
| Cash dividends to net income (ytd only)* | 44.2808% | 1,400 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5132% | 1,258 |
| Loan loss allowance to noncurrent loans | 101.4263% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 755 |
| Noncurrent loans to loans | 1.4919% | 477 |
| Net loans and leases to total assets | 45.4300% | 3,793 |
| Net loans and leases to deposits | 47.7067% | 3,963 |
| Net loans and leases to core deposits | 49.1836% | 3,989 |
| Total domestic deposits to total assets | 95.2200% | 195 |
| Equity capital to assets | 4.6058% | 4,377 |
| Core capital (leverage) ratio | 8.4884% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $482,592,500 | 1,776 |
| Average earning assets | $466,106,000 | 1,721 |
| Average equity | $28,782,750 | 2,420 |
| Average total loans | $209,658,250 | 2,172 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1725% | 3,136 |
| Cost of funding earning assets | 0.2652% | 2,087 |
| Net interest margin | 2.9074% | 3,148 |
| Noninterest income to average assets | 0.6832% | 1,416 |
| Noninterest expense to average assets | 2.0288% | 3,356 |
| Loan and lease loss provision to assets | -0.0303% | 4,467 |
| Net operating income to assets | 1.4991% | 712 |
| Return on assets (ROA) | 0.7872% | 2,972 |
| Pretax return on assets | 0.7872% | 3,361 |
| Return on Equity (ROE) | 13.1426% | 1,347 |
| Retained earnings to average equity (ytd only) | 5.2762% | 2,597 |
| Net charge-offs to loans | -0.0708% | 4,353 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0056% | 3,556 |
| Assets per employee ($millions) | 5.6337% | 3,104 |
| Cash dividends to net income (ytd only)* | 59.8544% | 1,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5071% | 1,385 |
| Loan loss allowance to noncurrent loans | 97.4718% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 766 |
| Noncurrent loans to loans | 1.5461% | 481 |
| Net loans and leases to total assets | 44.7256% | 3,778 |
| Net loans and leases to deposits | 46.3499% | 4,013 |
| Net loans and leases to core deposits | 48.0654% | 4,023 |
| Total domestic deposits to total assets | 96.4957% | 66 |
| Equity capital to assets | 3.3589% | 4,671 |
| Core capital (leverage) ratio | 9.4013% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $488,552,667 | 1,769 |
| Average earning assets | $472,938,667 | 1,714 |
| Average equity | $29,263,667 | 2,450 |
| Average total loans | $209,052,667 | 2,176 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0619% | 3,075 |
| Cost of funding earning assets | 0.2514% | 2,138 |
| Net interest margin | 2.8104% | 3,106 |
| Noninterest income to average assets | 0.6420% | 1,524 |
| Noninterest expense to average assets | 1.9093% | 3,664 |
| Loan and lease loss provision to assets | -0.0545% | 4,521 |
| Net operating income to assets | 1.5109% | 617 |
| Return on assets (ROA) | 0.1170% | 4,413 |
| Pretax return on assets | 0.1170% | 4,425 |
| Return on Equity (ROE) | 1.6203% | 4,324 |
| Retained earnings to average equity (ytd only) | -6.1594% | 4,463 |
| Net charge-offs to loans | -0.1311% | 4,525 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7278% | 3,816 |
| Assets per employee ($millions) | 5.9506% | 2,851 |
| Cash dividends to net income (ytd only)* | 480.1370% | 40 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5576% | 1,385 |
| Loan loss allowance to noncurrent loans | 93.3489% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 816 |
| Noncurrent loans to loans | 1.6685% | 473 |
| Net loans and leases to total assets | 40.9494% | 3,950 |
| Net loans and leases to deposits | 43.9741% | 4,064 |
| Net loans and leases to core deposits | 45.6305% | 4,096 |
| Total domestic deposits to total assets | 93.1216% | 244 |
| Equity capital to assets | 5.7646% | 4,626 |
| Core capital (leverage) ratio | 8.8011% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $499,032,500 | 1,734 |
| Average earning assets | $483,625,000 | 1,700 |
| Average equity | $36,042,500 | 2,213 |
| Average total loans | $207,412,000 | 2,179 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4790% | 2,722 |
| Cost of funding earning assets | 0.2809% | 2,594 |
| Net interest margin | 3.1981% | 2,600 |
| Noninterest income to average assets | 0.6262% | 2,041 |
| Noninterest expense to average assets | 2.1472% | 3,241 |
| Loan and lease loss provision to assets | -0.0127% | 4,182 |
| Net operating income to assets | 1.5872% | 842 |
| Return on assets (ROA) | 1.5701% | 905 |
| Pretax return on assets | 1.5701% | 1,506 |
| Return on Equity (ROE) | 16.3657% | 699 |
| Retained earnings to average equity (ytd only) | 4.5107% | 3,000 |
| Net charge-offs to loans | -0.0279% | 4,095 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6947% | 3,491 |
| Assets per employee ($millions) | 6.0020% | 2,773 |
| Cash dividends to net income (ytd only)* | 72.4381% | 671 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5284% | 1,461 |
| Loan loss allowance to noncurrent loans | 88.9878% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 873 |
| Noncurrent loans to loans | 1.7175% | 497 |
| Net loans and leases to total assets | 40.8943% | 4,040 |
| Net loans and leases to deposits | 45.3023% | 4,128 |
| Net loans and leases to core deposits | 46.9506% | 4,144 |
| Total domestic deposits to total assets | 90.2699% | 830 |
| Equity capital to assets | 8.6507% | 3,934 |
| Core capital (leverage) ratio | 9.1985% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $478,571,000 | 1,747 |
| Average earning assets | $463,212,000 | 1,705 |
| Average equity | $45,913,000 | 1,896 |
| Average total loans | $218,556,200 | 2,111 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5875% | 2,595 |
| Cost of funding earning assets | 0.2973% | 2,618 |
| Net interest margin | 3.2903% | 2,441 |
| Noninterest income to average assets | 0.6376% | 2,060 |
| Noninterest expense to average assets | 2.0969% | 3,374 |
| Loan and lease loss provision to assets | -0.0193% | 4,353 |
| Net operating income to assets | 1.7417% | 750 |
| Return on assets (ROA) | 1.7236% | 819 |
| Pretax return on assets | 1.7236% | 1,351 |
| Return on Equity (ROE) | 17.5067% | 688 |
| Retained earnings to average equity (ytd only) | 8.6071% | 1,834 |
| Net charge-offs to loans | -0.0411% | 4,265 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9017% | 3,677 |
| Assets per employee ($millions) | 5.7048% | 2,987 |
| Cash dividends to net income (ytd only)* | 50.8355% | 1,158 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5023% | 1,624 |
| Loan loss allowance to noncurrent loans | 83.0953% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 889 |
| Noncurrent loans to loans | 1.8079% | 530 |
| Net loans and leases to total assets | 43.7832% | 3,969 |
| Net loans and leases to deposits | 49.2201% | 4,050 |
| Net loans and leases to core deposits | 50.8160% | 4,090 |
| Total domestic deposits to total assets | 88.9539% | 1,304 |
| Equity capital to assets | 9.8416% | 3,066 |
| Core capital (leverage) ratio | 9.5399% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $472,171,750 | 1,787 |
| Average earning assets | $456,607,750 | 1,740 |
| Average equity | $46,487,750 | 1,895 |
| Average total loans | $220,851,250 | 2,133 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7529% | 2,192 |
| Cost of funding earning assets | 0.3134% | 2,650 |
| Net interest margin | 3.4395% | 2,035 |
| Noninterest income to average assets | 0.6279% | 2,093 |
| Noninterest expense to average assets | 2.0229% | 3,627 |
| Loan and lease loss provision to assets | -0.0260% | 4,451 |
| Net operating income to assets | 1.9522% | 531 |
| Return on assets (ROA) | 1.9471% | 557 |
| Pretax return on assets | 1.9471% | 927 |
| Return on Equity (ROE) | 19.7738% | 471 |
| Retained earnings to average equity (ytd only) | 10.8336% | 1,166 |
| Net charge-offs to loans | -0.0546% | 4,413 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2235% | 4,124 |
| Assets per employee ($millions) | 5.9054% | 2,711 |
| Cash dividends to net income (ytd only)* | 45.2121% | 1,393 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4175% | 1,897 |
| Loan loss allowance to noncurrent loans | 78.5276% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8519% | 917 |
| Noncurrent loans to loans | 1.8051% | 575 |
| Net loans and leases to total assets | 46.5246% | 3,865 |
| Net loans and leases to deposits | 52.3127% | 3,973 |
| Net loans and leases to core deposits | 53.9973% | 4,022 |
| Total domestic deposits to total assets | 88.9356% | 1,310 |
| Equity capital to assets | 9.8903% | 2,959 |
| Core capital (leverage) ratio | 9.3873% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $469,829,000 | 1,784 |
| Average earning assets | $453,676,333 | 1,750 |
| Average equity | $46,263,333 | 1,889 |
| Average total loans | $223,465,333 | 2,131 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7011% | 2,357 |
| Cost of funding earning assets | 0.3216% | 2,782 |
| Net interest margin | 3.3794% | 2,161 |
| Noninterest income to average assets | 0.6203% | 2,127 |
| Noninterest expense to average assets | 1.9511% | 3,854 |
| Loan and lease loss provision to assets | 0.0120% | 2,624 |
| Net operating income to assets | 1.9159% | 646 |
| Return on assets (ROA) | 1.9056% | 710 |
| Pretax return on assets | 1.9056% | 1,106 |
| Return on Equity (ROE) | 19.3964% | 578 |
| Retained earnings to average equity (ytd only) | 10.3541% | 1,561 |
| Net charge-offs to loans | 0.0252% | 1,250 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 160.2857% | 467 |
| Efficiency ratio | 50.2990% | 4,163 |
| Assets per employee ($millions) | 5.7959% | 2,805 |
| Cash dividends to net income (ytd only)* | 46.6186% | 1,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4275% | 1,848 |
| Loan loss allowance to noncurrent loans | 75.6144% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 996 |
| Noncurrent loans to loans | 1.8879% | 595 |
| Net loans and leases to total assets | 45.9331% | 3,963 |
| Net loans and leases to deposits | 51.3593% | 4,080 |
| Net loans and leases to core deposits | 53.4953% | 4,117 |
| Total domestic deposits to total assets | 89.4348% | 1,102 |
| Equity capital to assets | 9.4221% | 3,273 |
| Core capital (leverage) ratio | 9.4689% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $465,575,500 | 1,790 |
| Average earning assets | $448,952,000 | 1,747 |
| Average equity | $45,740,500 | 1,894 |
| Average total loans | $222,326,000 | 2,137 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0039% | 2,714 |
| Cost of funding earning assets | 0.4488% | 3,288 |
| Net interest margin | 3.5551% | 2,294 |
| Noninterest income to average assets | 0.6492% | 2,030 |
| Noninterest expense to average assets | 2.3222% | 3,349 |
| Loan and lease loss provision to assets | 0.2940% | 1,284 |
| Net operating income to assets | 1.4551% | 911 |
| Return on assets (ROA) | 1.5037% | 875 |
| Pretax return on assets | 1.5037% | 1,320 |
| Return on Equity (ROE) | 13.8394% | 852 |
| Retained earnings to average equity (ytd only) | 1.4253% | 4,058 |
| Net charge-offs to loans | 0.5425% | 282 |
| Credit loss provision to net charge-offs | 101.1457% | 2,803 |
| Earnings coverage of net charge-offs (x) | 6.0172% | 2,817 |
| Efficiency ratio | 57.0377% | 3,855 |
| Assets per employee ($millions) | 5.5567% | 2,782 |
| Cash dividends to net income (ytd only)* | 89.7010% | 419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4513% | 1,771 |
| Loan loss allowance to noncurrent loans | 70.9692% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 949 |
| Noncurrent loans to loans | 2.0450% | 553 |
| Net loans and leases to total assets | 48.2761% | 3,957 |
| Net loans and leases to deposits | 54.5198% | 4,086 |
| Net loans and leases to core deposits | 56.3394% | 4,135 |
| Total domestic deposits to total assets | 88.5478% | 1,195 |
| Equity capital to assets | 10.2546% | 2,880 |
| Core capital (leverage) ratio | 9.7652% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $420,370,600 | 1,798 |
| Average earning assets | $404,652,800 | 1,752 |
| Average equity | $45,674,000 | 1,826 |
| Average total loans | $225,241,600 | 2,070 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1941% | 2,415 |
| Cost of funding earning assets | 0.4846% | 3,327 |
| Net interest margin | 3.7095% | 1,913 |
| Noninterest income to average assets | 0.6542% | 1,969 |
| Noninterest expense to average assets | 2.2405% | 3,578 |
| Loan and lease loss provision to assets | 0.0661% | 3,511 |
| Net operating income to assets | 1.9215% | 352 |
| Return on assets (ROA) | 1.9644% | 350 |
| Pretax return on assets | 1.9644% | 549 |
| Return on Equity (ROE) | 17.8071% | 377 |
| Retained earnings to average equity (ytd only) | 7.9962% | 1,304 |
| Net charge-offs to loans | 0.1207% | 1,160 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 30.0293% | 1,582 |
| Efficiency ratio | 52.9897% | 4,253 |
| Assets per employee ($millions) | 5.2547% | 2,945 |
| Cash dividends to net income (ytd only)* | 55.0953% | 1,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2112% | 2,603 |
| Loan loss allowance to noncurrent loans | 118.7447% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 1,936 |
| Noncurrent loans to loans | 1.0200% | 1,466 |
| Net loans and leases to total assets | 52.3620% | 3,942 |
| Net loans and leases to deposits | 60.2949% | 4,044 |
| Net loans and leases to core deposits | 62.4183% | 4,085 |
| Total domestic deposits to total assets | 86.8432% | 1,726 |
| Equity capital to assets | 11.0575% | 2,355 |
| Core capital (leverage) ratio | 10.2632% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $412,940,750 | 1,802 |
| Average earning assets | $397,848,500 | 1,754 |
| Average equity | $45,553,750 | 1,818 |
| Average total loans | $226,430,500 | 2,052 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3658% | 2,295 |
| Cost of funding earning assets | 0.5254% | 3,380 |
| Net interest margin | 3.8404% | 1,712 |
| Noninterest income to average assets | 0.6481% | 1,937 |
| Noninterest expense to average assets | 2.2092% | 3,750 |
| Loan and lease loss provision to assets | 0.0800% | 3,294 |
| Net operating income to assets | 2.0567% | 292 |
| Return on assets (ROA) | 2.1036% | 293 |
| Pretax return on assets | 2.1036% | 435 |
| Return on Equity (ROE) | 19.0851% | 299 |
| Retained earnings to average equity (ytd only) | 8.7276% | 1,096 |
| Net charge-offs to loans | 0.1441% | 999 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 26.7222% | 1,512 |
| Efficiency ratio | 50.8348% | 4,456 |
| Assets per employee ($millions) | 5.0031% | 3,169 |
| Cash dividends to net income (ytd only)* | 54.2703% | 1,417 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1997% | 2,520 |
| Loan loss allowance to noncurrent loans | 110.9790% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 1,878 |
| Noncurrent loans to loans | 1.0810% | 1,442 |
| Net loans and leases to total assets | 53.5911% | 3,910 |
| Net loans and leases to deposits | 61.6452% | 4,026 |
| Net loans and leases to core deposits | 63.6891% | 4,094 |
| Total domestic deposits to total assets | 86.9349% | 1,646 |
| Equity capital to assets | 10.9474% | 2,390 |
| Core capital (leverage) ratio | 10.4820% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $405,208,000 | 1,797 |
| Average earning assets | $390,164,667 | 1,756 |
| Average equity | $44,663,000 | 1,840 |
| Average total loans | $224,850,333 | 2,048 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3512% | 2,774 |
| Cost of funding earning assets | 0.6286% | 3,283 |
| Net interest margin | 3.7226% | 2,253 |
| Noninterest income to average assets | 0.7151% | 1,590 |
| Noninterest expense to average assets | 2.4488% | 3,432 |
| Loan and lease loss provision to assets | 0.0927% | 2,523 |
| Net operating income to assets | 1.7511% | 457 |
| Return on assets (ROA) | 1.7511% | 500 |
| Pretax return on assets | 1.7511% | 768 |
| Return on Equity (ROE) | 15.8276% | 446 |
| Retained earnings to average equity (ytd only) | 4.0973% | 2,641 |
| Net charge-offs to loans | 0.1650% | 798 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 19.8901% | 1,428 |
| Efficiency ratio | 57.0479% | 4,109 |
| Assets per employee ($millions) | 4.8077% | 2,867 |
| Cash dividends to net income (ytd only)* | 74.1129% | 1,123 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2550% | 2,364 |
| Loan loss allowance to noncurrent loans | 106.7073% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 1,955 |
| Noncurrent loans to loans | 1.1762% | 1,402 |
| Net loans and leases to total assets | 55.8804% | 3,851 |
| Net loans and leases to deposits | 63.1504% | 4,028 |
| Net loans and leases to core deposits | 65.2246% | 4,118 |
| Total domestic deposits to total assets | 88.4878% | 886 |
| Equity capital to assets | 11.2816% | 2,605 |
| Core capital (leverage) ratio | 10.9250% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $392,678,500 | 1,797 |
| Average earning assets | $377,368,500 | 1,751 |
| Average equity | $43,443,000 | 1,867 |
| Average total loans | $220,583,000 | 2,045 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5723% | 2,703 |
| Cost of funding earning assets | 0.7169% | 3,081 |
| Net interest margin | 3.8554% | 2,316 |
| Noninterest income to average assets | 0.7817% | 1,507 |
| Noninterest expense to average assets | 2.6498% | 3,029 |
| Loan and lease loss provision to assets | 0.1313% | 1,626 |
| Net operating income to assets | 1.6919% | 669 |
| Return on assets (ROA) | 1.6588% | 775 |
| Pretax return on assets | 1.6588% | 1,308 |
| Return on Equity (ROE) | 15.4966% | 607 |
| Retained earnings to average equity (ytd only) | 3.1548% | 3,446 |
| Net charge-offs to loans | 0.2298% | 889 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 13.8860% | 2,319 |
| Efficiency ratio | 59.2403% | 3,809 |
| Assets per employee ($millions) | 4.7698% | 2,869 |
| Cash dividends to net income (ytd only)* | 79.6422% | 810 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2840% | 2,010 |
| Loan loss allowance to noncurrent loans | 101.6703% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 1,200 |
| Noncurrent loans to loans | 1.2629% | 1,191 |
| Net loans and leases to total assets | 55.0381% | 3,995 |
| Net loans and leases to deposits | 61.8737% | 4,197 |
| Net loans and leases to core deposits | 63.8190% | 4,286 |
| Total domestic deposits to total assets | 88.9523% | 690 |
| Equity capital to assets | 10.8432% | 3,145 |
| Core capital (leverage) ratio | 11.0818% | 2,422 |
| Tier 1 risk-based capital ratio | 17.9723% | 1,768 |
| Total risk-based capital ratio | 19.2237% | 1,717 |
| Memoranda: |
| Average total assets | $380,825,600 | 1,801 |
| Average earning assets | $364,609,800 | 1,765 |
| Average equity | $40,763,800 | 1,900 |
| Average total loans | $217,535,800 | 2,044 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6209% | 2,652 |
| Cost of funding earning assets | 0.7404% | 3,012 |
| Net interest margin | 3.8805% | 2,328 |
| Noninterest income to average assets | 0.7783% | 1,491 |
| Noninterest expense to average assets | 2.5707% | 3,242 |
| Loan and lease loss provision to assets | 0.1660% | 1,126 |
| Net operating income to assets | 1.7550% | 673 |
| Return on assets (ROA) | 1.7145% | 766 |
| Pretax return on assets | 1.7145% | 1,300 |
| Return on Equity (ROE) | 16.0714% | 593 |
| Retained earnings to average equity (ytd only) | 6.3572% | 2,192 |
| Net charge-offs to loans | 0.2889% | 611 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 11.5712% | 2,434 |
| Efficiency ratio | 57.2314% | 4,036 |
| Assets per employee ($millions) | 4.3376% | 3,429 |
| Cash dividends to net income (ytd only)* | 60.4441% | 1,267 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2594% | 2,176 |
| Loan loss allowance to noncurrent loans | 91.7131% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.1628% | 1,102 |
| Noncurrent loans to loans | 1.3732% | 1,121 |
| Net loans and leases to total assets | 58.1720% | 3,869 |
| Net loans and leases to deposits | 65.7922% | 4,080 |
| Net loans and leases to core deposits | 67.8953% | 4,180 |
| Total domestic deposits to total assets | 88.4177% | 863 |
| Equity capital to assets | 11.3817% | 2,755 |
| Core capital (leverage) ratio | 11.2724% | 2,404 |
| Tier 1 risk-based capital ratio | 18.2992% | 1,734 |
| Total risk-based capital ratio | 19.5504% | 1,702 |
| Memoranda: |
| Average total assets | $378,251,500 | 1,823 |
| Average earning assets | $361,968,750 | 1,793 |
| Average equity | $40,352,250 | 1,922 |
| Average total loans | $217,403,250 | 2,061 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5730% | 2,760 |
| Cost of funding earning assets | 0.7432% | 2,928 |
| Net interest margin | 3.8298% | 2,480 |
| Noninterest income to average assets | 0.7582% | 1,486 |
| Noninterest expense to average assets | 2.5064% | 3,456 |
| Loan and lease loss provision to assets | 0.0882% | 2,080 |
| Net operating income to assets | 1.8280% | 564 |
| Return on assets (ROA) | 1.7356% | 709 |
| Pretax return on assets | 1.7356% | 1,200 |
| Return on Equity (ROE) | 16.6388% | 505 |
| Retained earnings to average equity (ytd only) | 6.7112% | 1,946 |
| Net charge-offs to loans | 0.1548% | 1,015 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 21.7186% | 1,724 |
| Efficiency ratio | 56.6718% | 4,168 |
| Assets per employee ($millions) | 4.5683% | 3,039 |
| Cash dividends to net income (ytd only)* | 59.6651% | 1,423 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3015% | 2,009 |
| Loan loss allowance to noncurrent loans | 189.1892% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 2,957 |
| Noncurrent loans to loans | 0.6879% | 2,251 |
| Net loans and leases to total assets | 55.3334% | 4,117 |
| Net loans and leases to deposits | 62.3963% | 4,314 |
| Net loans and leases to core deposits | 63.8715% | 4,422 |
| Total domestic deposits to total assets | 88.6806% | 791 |
| Equity capital to assets | 10.9183% | 3,158 |
| Core capital (leverage) ratio | 11.0187% | 2,580 |
| Tier 1 risk-based capital ratio | 18.5075% | 1,666 |
| Total risk-based capital ratio | 19.7594% | 1,629 |
| Memoranda: |
| Average total assets | $378,545,670 | 1,832 |
| Average earning assets | $362,210,330 | 1,792 |
| Average equity | $39,486,000 | 1,957 |
| Average total loans | $215,763,330 | 2,073 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5735% | 2,629 |
| Cost of funding earning assets | 0.7386% | 2,844 |
| Net interest margin | 3.8349% | 2,401 |
| Noninterest income to average assets | 0.7235% | 1,534 |
| Noninterest expense to average assets | 2.4769% | 3,570 |
| Loan and lease loss provision to assets | 0.0255% | 3,097 |
| Net operating income to assets | 1.8779% | 476 |
| Return on assets (ROA) | 1.7130% | 739 |
| Pretax return on assets | 1.7130% | 1,181 |
| Return on Equity (ROE) | 16.8234% | 492 |
| Retained earnings to average equity (ytd only) | 6.5831% | 2,209 |
| Net charge-offs to loans | 0.0444% | 1,639 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 74.5417% | 807 |
| Efficiency ratio | 56.5460% | 4,265 |
| Assets per employee ($millions) | 4.3812% | 3,358 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,337 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2948% | 2,111 |
| Loan loss allowance to noncurrent loans | 72.2022% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 1,342 |
| Noncurrent loans to loans | 1.7934% | 863 |
| Net loans and leases to total assets | 55.9973% | 4,060 |
| Net loans and leases to deposits | 62.7162% | 4,259 |
| Net loans and leases to core deposits | 64.1680% | 4,372 |
| Total domestic deposits to total assets | 89.2868% | 735 |
| Equity capital to assets | 10.3491% | 3,475 |
| Core capital (leverage) ratio | 11.1525% | 2,427 |
| Tier 1 risk-based capital ratio | 17.8223% | 1,843 |
| Total risk-based capital ratio | 19.0739% | 1,801 |
| Memoranda: |
| Average total assets | $375,948,000 | 1,854 |
| Average earning assets | $358,498,000 | 1,813 |
| Average equity | $38,280,000 | 2,002 |
| Average total loans | $216,076,500 | 2,089 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5292% | 2,371 |
| Cost of funding earning assets | 0.6084% | 2,658 |
| Net interest margin | 3.9208% | 2,258 |
| Noninterest income to average assets | 0.8392% | 1,340 |
| Noninterest expense to average assets | 2.8644% | 2,471 |
| Loan and lease loss provision to assets | 0.0016% | 4,065 |
| Net operating income to assets | 1.7153% | 666 |
| Return on assets (ROA) | 1.6604% | 752 |
| Pretax return on assets | 1.6604% | 1,277 |
| Return on Equity (ROE) | 16.5559% | 537 |
| Retained earnings to average equity (ytd only) | 2.9058% | 3,946 |
| Net charge-offs to loans | 0.0995% | 1,766 |
| Credit loss provision to net charge-offs | 2.9126% | 3,447 |
| Earnings coverage of net charge-offs (x) | 30.6311% | 1,575 |
| Efficiency ratio | 62.5230% | 3,432 |
| Assets per employee ($millions) | 4.2613% | 3,527 |
| Cash dividends to net income (ytd only)* | 82.4484% | 624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2968% | 2,054 |
| Loan loss allowance to noncurrent loans | 231.2139% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 3,230 |
| Noncurrent loans to loans | 0.5609% | 2,590 |
| Net loans and leases to total assets | 57.4840% | 4,010 |
| Net loans and leases to deposits | 64.1215% | 4,249 |
| Net loans and leases to core deposits | 65.4375% | 4,387 |
| Total domestic deposits to total assets | 89.6486% | 597 |
| Equity capital to assets | 10.0108% | 3,675 |
| Core capital (leverage) ratio | 11.2562% | 2,302 |
| Tier 1 risk-based capital ratio | 17.5828% | 1,876 |
| Total risk-based capital ratio | 18.8345% | 1,832 |
| Memoranda: |
| Average total assets | $367,509,400 | 1,841 |
| Average earning assets | $350,769,800 | 1,805 |
| Average equity | $36,857,000 | 1,991 |
| Average total loans | $206,980,600 | 2,122 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4895% | 2,344 |
| Cost of funding earning assets | 0.5782% | 2,643 |
| Net interest margin | 3.9114% | 2,253 |
| Noninterest income to average assets | 0.8446% | 1,346 |
| Noninterest expense to average assets | 2.7793% | 2,707 |
| Loan and lease loss provision to assets | -0.0429% | 5,278 |
| Net operating income to assets | 1.8470% | 554 |
| Return on assets (ROA) | 1.8216% | 583 |
| Pretax return on assets | 1.8216% | 961 |
| Return on Equity (ROE) | 18.1552% | 413 |
| Retained earnings to average equity (ytd only) | 7.5012% | 1,885 |
| Net charge-offs to loans | 0.0534% | 2,058 |
| Credit loss provision to net charge-offs | -143.9024% | 4,276 |
| Earnings coverage of net charge-offs (x) | 60.5125% | 1,060 |
| Efficiency ratio | 60.6378% | 3,718 |
| Assets per employee ($millions) | 4.2326% | 3,527 |
| Cash dividends to net income (ytd only)* | 58.6826% | 1,249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3443% | 1,900 |
| Loan loss allowance to noncurrent loans | 144.1071% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 2,529 |
| Noncurrent loans to loans | 0.9328% | 1,827 |
| Net loans and leases to total assets | 57.1162% | 4,125 |
| Net loans and leases to deposits | 64.2138% | 4,318 |
| Net loans and leases to core deposits | 65.5839% | 4,424 |
| Total domestic deposits to total assets | 88.9469% | 863 |
| Equity capital to assets | 10.2003% | 3,456 |
| Core capital (leverage) ratio | 11.4615% | 2,202 |
| Tier 1 risk-based capital ratio | 18.5036% | 1,671 |
| Total risk-based capital ratio | 19.7557% | 1,625 |
| Memoranda: |
| Average total assets | $366,704,000 | 1,853 |
| Average earning assets | $350,524,250 | 1,812 |
| Average equity | $36,793,000 | 1,995 |
| Average total loans | $204,748,000 | 2,151 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4219% | 2,347 |
| Cost of funding earning assets | 0.5621% | 2,501 |
| Net interest margin | 3.8597% | 2,344 |
| Noninterest income to average assets | 0.8347% | 1,371 |
| Noninterest expense to average assets | 2.7619% | 2,794 |
| Loan and lease loss provision to assets | -0.0396% | 5,363 |
| Net operating income to assets | 1.8075% | 573 |
| Return on assets (ROA) | 1.7761% | 616 |
| Pretax return on assets | 1.7761% | 1,017 |
| Return on Equity (ROE) | 17.7979% | 436 |
| Retained earnings to average equity (ytd only) | 7.1528% | 1,997 |
| Net charge-offs to loans | -0.0717% | 5,047 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9715% | 3,769 |
| Assets per employee ($millions) | 4.3150% | 3,403 |
| Cash dividends to net income (ytd only)* | 59.8108% | 1,331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4626% | 1,513 |
| Loan loss allowance to noncurrent loans | 108.1471% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 1,933 |
| Noncurrent loans to loans | 1.3524% | 1,253 |
| Net loans and leases to total assets | 55.1043% | 4,236 |
| Net loans and leases to deposits | 62.0146% | 4,418 |
| Net loans and leases to core deposits | 63.5092% | 4,521 |
| Total domestic deposits to total assets | 88.8571% | 993 |
| Equity capital to assets | 10.0175% | 3,603 |
| Core capital (leverage) ratio | 11.2004% | 2,348 |
| Tier 1 risk-based capital ratio | 18.4183% | 1,693 |
| Total risk-based capital ratio | 19.6718% | 1,657 |
| Memoranda: |
| Average total assets | $369,014,670 | 1,847 |
| Average earning assets | $353,289,330 | 1,807 |
| Average equity | $36,824,670 | 1,997 |
| Average total loans | $203,568,000 | 2,154 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1809% | 2,943 |
| Cost of funding earning assets | 0.5274% | 2,567 |
| Net interest margin | 3.6535% | 2,975 |
| Noninterest income to average assets | 0.8332% | 1,356 |
| Noninterest expense to average assets | 2.5753% | 3,413 |
| Loan and lease loss provision to assets | -0.0335% | 5,446 |
| Net operating income to assets | 1.7875% | 575 |
| Return on assets (ROA) | 1.7875% | 579 |
| Pretax return on assets | 1.7875% | 936 |
| Return on Equity (ROE) | 17.9461% | 418 |
| Retained earnings to average equity (ytd only) | 7.3130% | 2,142 |
| Net charge-offs to loans | -0.0611% | 5,058 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4858% | 4,132 |
| Assets per employee ($millions) | 4.3679% | 3,368 |
| Cash dividends to net income (ytd only)* | 59.2503% | 1,261 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4770% | 1,549 |
| Loan loss allowance to noncurrent loans | 122.1001% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,274 |
| Noncurrent loans to loans | 1.2097% | 1,501 |
| Net loans and leases to total assets | 53.8982% | 4,294 |
| Net loans and leases to deposits | 59.9399% | 4,475 |
| Net loans and leases to core deposits | 61.4645% | 4,588 |
| Total domestic deposits to total assets | 89.9204% | 693 |
| Equity capital to assets | 9.7524% | 3,838 |
| Core capital (leverage) ratio | 11.0911% | 2,338 |
| Tier 1 risk-based capital ratio | 18.9462% | 1,561 |
| Total risk-based capital ratio | 20.1998% | 1,526 |
| Memoranda: |
| Average total assets | $370,132,500 | 1,856 |
| Average earning assets | $354,180,000 | 1,817 |
| Average equity | $36,866,000 | 2,004 |
| Average total loans | $202,796,500 | 2,177 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2276% | 2,588 |
| Cost of funding earning assets | 0.4374% | 2,897 |
| Net interest margin | 3.7902% | 2,461 |
| Noninterest income to average assets | 0.8654% | 1,367 |
| Noninterest expense to average assets | 2.8398% | 2,648 |
| Loan and lease loss provision to assets | -0.1654% | 5,552 |
| Net operating income to assets | 1.8066% | 413 |
| Return on assets (ROA) | 1.7700% | 465 |
| Pretax return on assets | 1.7700% | 860 |
| Return on Equity (ROE) | 17.5444% | 343 |
| Retained earnings to average equity (ytd only) | 4.8470% | 2,222 |
| Net charge-offs to loans | -0.0294% | 5,061 |
| Credit loss provision to net charge-offs | 1,001.6393% | 352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3754% | 3,699 |
| Assets per employee ($millions) | 4.2413% | 3,592 |
| Cash dividends to net income (ytd only)* | 72.3726% | 1,148 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4816% | 1,476 |
| Loan loss allowance to noncurrent loans | 136.1162% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 2,493 |
| Noncurrent loans to loans | 1.0885% | 1,631 |
| Net loans and leases to total assets | 54.0618% | 4,356 |
| Net loans and leases to deposits | 60.3822% | 4,543 |
| Net loans and leases to core deposits | 61.7260% | 4,674 |
| Total domestic deposits to total assets | 89.5325% | 758 |
| Equity capital to assets | 10.1694% | 3,524 |
| Core capital (leverage) ratio | 11.0328% | 2,308 |
| Tier 1 risk-based capital ratio | 18.7253% | 1,582 |
| Total risk-based capital ratio | 19.9788% | 1,537 |
| Memoranda: |
| Average total assets | $369,319,800 | 1,835 |
| Average earning assets | $352,307,600 | 1,787 |
| Average equity | $37,259,800 | 1,961 |
| Average total loans | $207,610,600 | 2,101 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1725% | 2,706 |
| Cost of funding earning assets | 0.4330% | 2,870 |
| Net interest margin | 3.7395% | 2,619 |
| Noninterest income to average assets | 0.8666% | 1,382 |
| Noninterest expense to average assets | 2.7214% | 2,991 |
| Loan and lease loss provision to assets | -0.0422% | 5,511 |
| Net operating income to assets | 1.7534% | 518 |
| Return on assets (ROA) | 1.7249% | 567 |
| Pretax return on assets | 1.7249% | 1,061 |
| Return on Equity (ROE) | 17.1315% | 405 |
| Retained earnings to average equity (ytd only) | 6.5923% | 1,912 |
| Net charge-offs to loans | -0.0747% | 5,294 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3957% | 3,975 |
| Assets per employee ($millions) | 4.1261% | 3,781 |
| Cash dividends to net income (ytd only)* | 61.5191% | 1,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7526% | 934 |
| Loan loss allowance to noncurrent loans | 102.3055% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 1,774 |
| Noncurrent loans to loans | 1.7131% | 1,055 |
| Net loans and leases to total assets | 54.8064% | 4,338 |
| Net loans and leases to deposits | 61.6312% | 4,549 |
| Net loans and leases to core deposits | 63.0350% | 4,651 |
| Total domestic deposits to total assets | 88.9264% | 925 |
| Equity capital to assets | 10.6836% | 3,180 |
| Core capital (leverage) ratio | 10.8264% | 2,616 |
| Tier 1 risk-based capital ratio | 19.0419% | 1,573 |
| Total risk-based capital ratio | 20.2992% | 1,535 |
| Memoranda: |
| Average total assets | $369,402,000 | 1,848 |
| Average earning assets | $352,264,250 | 1,803 |
| Average equity | $37,193,750 | 1,977 |
| Average total loans | $208,892,500 | 2,093 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1762% | 2,559 |
| Cost of funding earning assets | 0.4206% | 2,885 |
| Net interest margin | 3.7557% | 2,451 |
| Noninterest income to average assets | 0.8441% | 1,429 |
| Noninterest expense to average assets | 2.6842% | 3,147 |
| Loan and lease loss provision to assets | -0.0215% | 5,565 |
| Net operating income to assets | 1.7583% | 493 |
| Return on assets (ROA) | 1.6754% | 609 |
| Pretax return on assets | 1.6754% | 1,115 |
| Return on Equity (ROE) | 16.9772% | 413 |
| Retained earnings to average equity (ytd only) | 6.2846% | 1,969 |
| Net charge-offs to loans | -0.0379% | 5,048 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7160% | 4,209 |
| Assets per employee ($millions) | 4.2611% | 3,505 |
| Cash dividends to net income (ytd only)* | 62.9820% | 1,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6853% | 1,091 |
| Loan loss allowance to noncurrent loans | 47.3081% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.0012% | 638 |
| Noncurrent loans to loans | 3.5623% | 311 |
| Net loans and leases to total assets | 55.2308% | 4,291 |
| Net loans and leases to deposits | 62.2765% | 4,488 |
| Net loans and leases to core deposits | 63.6548% | 4,626 |
| Total domestic deposits to total assets | 88.6864% | 1,108 |
| Equity capital to assets | 10.3076% | 3,561 |
| Core capital (leverage) ratio | 10.5096% | 2,900 |
| Tier 1 risk-based capital ratio | 17.3604% | 2,053 |
| Total risk-based capital ratio | 18.6157% | 2,006 |
| Memoranda: |
| Average total assets | $371,503,330 | 1,840 |
| Average earning assets | $353,811,670 | 1,799 |
| Average equity | $36,661,000 | 1,996 |
| Average total loans | $211,006,330 | 2,081 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0333% | 2,920 |
| Cost of funding earning assets | 0.3962% | 3,030 |
| Net interest margin | 3.6371% | 2,745 |
| Noninterest income to average assets | 0.8427% | 1,424 |
| Noninterest expense to average assets | 2.7087% | 3,115 |
| Loan and lease loss provision to assets | -0.0270% | 5,681 |
| Net operating income to assets | 1.6172% | 654 |
| Return on assets (ROA) | 1.5783% | 726 |
| Pretax return on assets | 1.5783% | 1,293 |
| Return on Equity (ROE) | 16.3629% | 483 |
| Retained earnings to average equity (ytd only) | 5.3721% | 2,685 |
| Net charge-offs to loans | -0.0474% | 5,158 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0096% | 3,991 |
| Assets per employee ($millions) | 4.2021% | 3,652 |
| Cash dividends to net income (ytd only)* | 67.1693% | 1,229 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7038% | 1,134 |
| Loan loss allowance to noncurrent loans | 42.8744% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2140% | 564 |
| Noncurrent loans to loans | 3.9740% | 261 |
| Net loans and leases to total assets | 54.7623% | 4,276 |
| Net loans and leases to deposits | 60.8252% | 4,509 |
| Net loans and leases to core deposits | 61.9655% | 4,662 |
| Total domestic deposits to total assets | 90.0323% | 645 |
| Equity capital to assets | 9.6594% | 4,113 |
| Core capital (leverage) ratio | 10.5692% | 2,824 |
| Tier 1 risk-based capital ratio | 17.4681% | 2,037 |
| Total risk-based capital ratio | 18.7238% | 1,995 |
| Memoranda: |
| Average total assets | $369,768,000 | 1,861 |
| Average earning assets | $351,377,000 | 1,817 |
| Average equity | $35,666,000 | 2,053 |
| Average total loans | $211,184,000 | 2,090 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1258% | 2,753 |
| Cost of funding earning assets | 0.3312% | 3,734 |
| Net interest margin | 3.7946% | 2,337 |
| Noninterest income to average assets | 0.8680% | 1,514 |
| Noninterest expense to average assets | 2.8412% | 2,871 |
| Loan and lease loss provision to assets | -0.0086% | 5,488 |
| Net operating income to assets | 1.6532% | 605 |
| Return on assets (ROA) | 1.6885% | 587 |
| Pretax return on assets | 1.6885% | 1,031 |
| Return on Equity (ROE) | 16.1358% | 495 |
| Retained earnings to average equity (ytd only) | 2.7756% | 3,926 |
| Net charge-offs to loans | -0.0152% | 5,055 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3373% | 4,050 |
| Assets per employee ($millions) | 4.0170% | 3,934 |
| Cash dividends to net income (ytd only)* | 82.7984% | 806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6588% | 1,234 |
| Loan loss allowance to noncurrent loans | 102.3055% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9493% | 2,000 |
| Noncurrent loans to loans | 1.6214% | 1,206 |
| Net loans and leases to total assets | 57.5748% | 4,112 |
| Net loans and leases to deposits | 63.8920% | 4,424 |
| Net loans and leases to core deposits | 65.0653% | 4,576 |
| Total domestic deposits to total assets | 90.1127% | 593 |
| Equity capital to assets | 9.6313% | 4,140 |
| Core capital (leverage) ratio | 10.7455% | 2,603 |
| Tier 1 risk-based capital ratio | 17.0926% | 2,128 |
| Total risk-based capital ratio | 18.3482% | 2,079 |
| Memoranda: |
| Average total assets | $359,778,800 | 1,852 |
| Average earning assets | $343,011,600 | 1,812 |
| Average equity | $37,649,200 | 1,942 |
| Average total loans | $204,345,000 | 2,085 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1337% | 2,748 |
| Cost of funding earning assets | 0.3268% | 3,809 |
| Net interest margin | 3.8069% | 2,307 |
| Noninterest income to average assets | 0.8733% | 1,500 |
| Noninterest expense to average assets | 2.7489% | 3,181 |
| Loan and lease loss provision to assets | -0.1857% | 5,861 |
| Net operating income to assets | 1.9423% | 375 |
| Return on assets (ROA) | 1.9679% | 374 |
| Pretax return on assets | 1.9679% | 621 |
| Return on Equity (ROE) | 18.4314% | 331 |
| Retained earnings to average equity (ytd only) | 8.1859% | 1,097 |
| Net charge-offs to loans | -0.4615% | 5,883 |
| Credit loss provision to net charge-offs | 71.3877% | 2,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0125% | 4,391 |
| Assets per employee ($millions) | 3.8993% | 4,130 |
| Cash dividends to net income (ytd only)* | 55.5871% | 1,631 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7800% | 1,047 |
| Loan loss allowance to noncurrent loans | 84.9570% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 1,540 |
| Noncurrent loans to loans | 2.0951% | 919 |
| Net loans and leases to total assets | 58.9638% | 3,996 |
| Net loans and leases to deposits | 66.6970% | 4,275 |
| Net loans and leases to core deposits | 67.9957% | 4,471 |
| Total domestic deposits to total assets | 88.4055% | 1,188 |
| Equity capital to assets | 11.2053% | 2,795 |
| Core capital (leverage) ratio | 11.1837% | 2,281 |
| Tier 1 risk-based capital ratio | 17.9685% | 1,933 |
| Total risk-based capital ratio | 19.2256% | 1,896 |
| Memoranda: |
| Average total assets | $358,336,250 | 1,870 |
| Average earning assets | $341,894,250 | 1,818 |
| Average equity | $38,259,750 | 1,923 |
| Average total loans | $201,927,750 | 2,108 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0905% | 2,905 |
| Cost of funding earning assets | 0.3307% | 3,790 |
| Net interest margin | 3.7598% | 2,478 |
| Noninterest income to average assets | 0.8625% | 1,502 |
| Noninterest expense to average assets | 2.6724% | 3,477 |
| Loan and lease loss provision to assets | -0.3487% | 5,993 |
| Net operating income to assets | 2.1247% | 258 |
| Return on assets (ROA) | 2.1436% | 266 |
| Pretax return on assets | 2.1436% | 425 |
| Return on Equity (ROE) | 20.4036% | 227 |
| Retained earnings to average equity (ytd only) | 10.0620% | 583 |
| Net charge-offs to loans | -0.6321% | 5,963 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0748% | 4,628 |
| Assets per employee ($millions) | 3.9346% | 4,031 |
| Cash dividends to net income (ytd only)* | 50.6853% | 1,933 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7605% | 1,156 |
| Loan loss allowance to noncurrent loans | 90.5612% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1177% | 1,891 |
| Noncurrent loans to loans | 1.9440% | 1,031 |
| Net loans and leases to total assets | 55.9425% | 4,319 |
| Net loans and leases to deposits | 63.2056% | 4,554 |
| Net loans and leases to core deposits | 64.4830% | 4,710 |
| Total domestic deposits to total assets | 88.5087% | 1,161 |
| Equity capital to assets | 11.1380% | 2,912 |
| Core capital (leverage) ratio | 10.7616% | 2,687 |
| Tier 1 risk-based capital ratio | 18.0454% | 1,918 |
| Total risk-based capital ratio | 19.3018% | 1,884 |
| Memoranda: |
| Average total assets | $360,801,330 | 1,857 |
| Average earning assets | $344,117,330 | 1,809 |
| Average equity | $37,905,000 | 1,944 |
| Average total loans | $199,011,000 | 2,137 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0180% | 3,155 |
| Cost of funding earning assets | 0.3332% | 3,794 |
| Net interest margin | 3.6848% | 2,731 |
| Noninterest income to average assets | 0.8766% | 1,367 |
| Noninterest expense to average assets | 2.6132% | 3,712 |
| Loan and lease loss provision to assets | -0.3120% | 6,053 |
| Net operating income to assets | 2.0860% | 290 |
| Return on assets (ROA) | 1.9992% | 351 |
| Pretax return on assets | 1.9992% | 571 |
| Return on Equity (ROE) | 19.6031% | 265 |
| Retained earnings to average equity (ytd only) | 9.0476% | 1,104 |
| Net charge-offs to loans | -0.5746% | 6,006 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5643% | 4,803 |
| Assets per employee ($millions) | 4.0815% | 3,807 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,625 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8274% | 1,100 |
| Loan loss allowance to noncurrent loans | 94.5658% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 2,102 |
| Noncurrent loans to loans | 1.9324% | 1,121 |
| Net loans and leases to total assets | 52.5006% | 4,576 |
| Net loans and leases to deposits | 58.7853% | 4,794 |
| Net loans and leases to core deposits | 59.9831% | 4,942 |
| Total domestic deposits to total assets | 89.3089% | 938 |
| Equity capital to assets | 10.3860% | 3,632 |
| Core capital (leverage) ratio | 10.5039% | 2,959 |
| Tier 1 risk-based capital ratio | 18.0524% | 1,967 |
| Total risk-based capital ratio | 19.3095% | 1,930 |
| Memoranda: |
| Average total assets | $364,146,000 | 1,843 |
| Average earning assets | $346,940,000 | 1,792 |
| Average equity | $37,137,000 | 1,974 |
| Average total loans | $197,692,000 | 2,144 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9235% | 3,623 |
| Cost of funding earning assets | 0.3338% | 3,862 |
| Net interest margin | 3.5897% | 3,177 |
| Noninterest income to average assets | 1.0287% | 1,119 |
| Noninterest expense to average assets | 2.6978% | 3,586 |
| Loan and lease loss provision to assets | 0.1364% | 1,739 |
| Net operating income to assets | 1.6166% | 676 |
| Return on assets (ROA) | 1.6158% | 703 |
| Pretax return on assets | 1.6158% | 1,208 |
| Return on Equity (ROE) | 16.8261% | 475 |
| Retained earnings to average equity (ytd only) | 4.7953% | 2,578 |
| Net charge-offs to loans | 0.3590% | 823 |
| Credit loss provision to net charge-offs | 72.1060% | 3,086 |
| Earnings coverage of net charge-offs (x) | 9.2650% | 2,840 |
| Efficiency ratio | 60.6131% | 4,817 |
| Assets per employee ($millions) | 4.0559% | 3,836 |
| Cash dividends to net income (ytd only)* | 71.5009% | 1,183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7651% | 1,202 |
| Loan loss allowance to noncurrent loans | 92.5684% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 2,030 |
| Noncurrent loans to loans | 1.9068% | 1,121 |
| Net loans and leases to total assets | 54.1241% | 4,490 |
| Net loans and leases to deposits | 60.3463% | 4,748 |
| Net loans and leases to core deposits | 61.5635% | 4,895 |
| Total domestic deposits to total assets | 89.6892% | 757 |
| Equity capital to assets | 10.0116% | 3,946 |
| Core capital (leverage) ratio | 10.1026% | 3,379 |
| Tier 1 risk-based capital ratio | 17.3169% | 2,173 |
| Total risk-based capital ratio | 18.5737% | 2,127 |
| Memoranda: |
| Average total assets | $378,935,200 | 1,734 |
| Average earning assets | $361,257,800 | 1,673 |
| Average equity | $36,389,800 | 1,961 |
| Average total loans | $199,746,400 | 2,071 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8842% | 3,798 |
| Cost of funding earning assets | 0.3350% | 3,921 |
| Net interest margin | 3.5493% | 3,341 |
| Noninterest income to average assets | 1.0868% | 1,020 |
| Noninterest expense to average assets | 2.5211% | 4,130 |
| Loan and lease loss provision to assets | 0.1517% | 1,436 |
| Net operating income to assets | 1.8015% | 521 |
| Return on assets (ROA) | 1.7973% | 544 |
| Pretax return on assets | 1.7973% | 907 |
| Return on Equity (ROE) | 18.9079% | 339 |
| Retained earnings to average equity (ytd only) | 8.1243% | 1,201 |
| Net charge-offs to loans | 0.4246% | 600 |
| Credit loss provision to net charge-offs | 68.5039% | 2,793 |
| Earnings coverage of net charge-offs (x) | 8.8220% | 2,761 |
| Efficiency ratio | 56.3469% | 5,303 |
| Assets per employee ($millions) | 4.2925% | 3,328 |
| Cash dividends to net income (ytd only)* | 57.0320% | 1,560 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7984% | 1,266 |
| Loan loss allowance to noncurrent loans | 78.3492% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 1,822 |
| Noncurrent loans to loans | 2.2954% | 933 |
| Net loans and leases to total assets | 51.3172% | 4,824 |
| Net loans and leases to deposits | 60.5008% | 4,821 |
| Net loans and leases to core deposits | 62.0610% | 4,937 |
| Total domestic deposits to total assets | 84.8206% | 3,090 |
| Equity capital to assets | 9.8440% | 4,348 |
| Core capital (leverage) ratio | 10.0413% | 3,565 |
| Tier 1 risk-based capital ratio | 17.8416% | 2,079 |
| Total risk-based capital ratio | 19.0987% | 2,044 |
| Memoranda: |
| Average total assets | $382,410,250 | 1,731 |
| Average earning assets | $364,987,750 | 1,675 |
| Average equity | $36,350,750 | 1,976 |
| Average total loans | $199,402,500 | 2,078 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9027% | 3,675 |
| Cost of funding earning assets | 0.3399% | 3,925 |
| Net interest margin | 3.5628% | 3,236 |
| Noninterest income to average assets | 1.2163% | 821 |
| Noninterest expense to average assets | 2.5669% | 4,015 |
| Loan and lease loss provision to assets | -0.0026% | 5,932 |
| Net operating income to assets | 2.0538% | 334 |
| Return on assets (ROA) | 2.0528% | 351 |
| Pretax return on assets | 2.0528% | 541 |
| Return on Equity (ROE) | 21.8503% | 200 |
| Retained earnings to average equity (ytd only) | 10.9834% | 508 |
| Net charge-offs to loans | -0.0050% | 4,739 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5831% | 5,466 |
| Assets per employee ($millions) | 4.0517% | 3,776 |
| Cash dividends to net income (ytd only)* | 49.7336% | 1,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9616% | 1,047 |
| Loan loss allowance to noncurrent loans | 81.6104% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.3130% | 1,916 |
| Noncurrent loans to loans | 2.4036% | 949 |
| Net loans and leases to total assets | 51.3961% | 4,809 |
| Net loans and leases to deposits | 57.3897% | 5,032 |
| Net loans and leases to core deposits | 58.6590% | 5,151 |
| Total domestic deposits to total assets | 89.5564% | 871 |
| Equity capital to assets | 10.0435% | 3,988 |
| Core capital (leverage) ratio | 9.8916% | 3,748 |
| Tier 1 risk-based capital ratio | 18.1580% | 2,023 |
| Total risk-based capital ratio | 19.4175% | 1,977 |
| Memoranda: |
| Average total assets | $383,966,000 | 1,733 |
| Average earning assets | $366,621,000 | 1,676 |
| Average equity | $36,072,670 | 1,998 |
| Average total loans | $200,071,000 | 2,086 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7909% | 4,049 |
| Cost of funding earning assets | 0.3346% | 4,046 |
| Net interest margin | 3.4563% | 3,606 |
| Noninterest income to average assets | 1.5832% | 487 |
| Noninterest expense to average assets | 2.6259% | 3,840 |
| Loan and lease loss provision to assets | -0.0112% | 6,104 |
| Net operating income to assets | 2.2651% | 207 |
| Return on assets (ROA) | 2.2631% | 221 |
| Pretax return on assets | 2.2631% | 346 |
| Return on Equity (ROE) | 24.8848% | 109 |
| Retained earnings to average equity (ytd only) | 13.9341% | 366 |
| Net charge-offs to loans | -0.0215% | 5,083 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8109% | 5,693 |
| Assets per employee ($millions) | 4.1759% | 3,604 |
| Cash dividends to net income (ytd only)* | 44.0054% | 1,925 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8715% | 1,338 |
| Loan loss allowance to noncurrent loans | 92.9138% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1367% | 2,365 |
| Noncurrent loans to loans | 2.0142% | 1,297 |
| Net loans and leases to total assets | 52.3182% | 4,633 |
| Net loans and leases to deposits | 58.1670% | 4,904 |
| Net loans and leases to core deposits | 59.7625% | 5,007 |
| Total domestic deposits to total assets | 89.9449% | 767 |
| Equity capital to assets | 9.6975% | 4,515 |
| Core capital (leverage) ratio | 9.4444% | 4,360 |
| Tier 1 risk-based capital ratio | 17.3167% | 2,376 |
| Total risk-based capital ratio | 18.5751% | 2,327 |
| Memoranda: |
| Average total assets | $393,622,000 | 1,700 |
| Average earning assets | $375,427,500 | 1,646 |
| Average equity | $35,797,000 | 2,022 |
| Average total loans | $204,522,500 | 2,054 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2353% | 2,832 |
| Cost of funding earning assets | 0.3973% | 3,721 |
| Net interest margin | 3.8380% | 2,478 |
| Noninterest income to average assets | 0.9166% | 1,451 |
| Noninterest expense to average assets | 2.8991% | 3,153 |
| Loan and lease loss provision to assets | 0.0335% | 3,924 |
| Net operating income to assets | 1.4039% | 1,080 |
| Return on assets (ROA) | 1.4062% | 1,102 |
| Pretax return on assets | 1.4062% | 1,865 |
| Return on Equity (ROE) | 16.5287% | 547 |
| Retained earnings to average equity (ytd only) | 6.1171% | 1,849 |
| Net charge-offs to loans | 0.0657% | 3,545 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 42.8750% | 1,025 |
| Efficiency ratio | 66.8524% | 4,082 |
| Assets per employee ($millions) | 4.1557% | 3,621 |
| Cash dividends to net income (ytd only)* | 62.9909% | 1,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7971% | 1,543 |
| Loan loss allowance to noncurrent loans | 88.0902% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 2,565 |
| Noncurrent loans to loans | 2.0401% | 1,351 |
| Net loans and leases to total assets | 49.8081% | 4,994 |
| Net loans and leases to deposits | 54.6381% | 5,279 |
| Net loans and leases to core deposits | 56.0224% | 5,383 |
| Total domestic deposits to total assets | 91.1600% | 316 |
| Equity capital to assets | 8.5432% | 5,708 |
| Core capital (leverage) ratio | 8.7403% | 5,305 |
| Tier 1 risk-based capital ratio | 14.5280% | 3,760 |
| Total risk-based capital ratio | 15.7835% | 3,698 |
| Memoranda: |
| Average total assets | $405,646,600 | 1,630 |
| Average earning assets | $361,461,800 | 1,660 |
| Average equity | $34,509,600 | 2,021 |
| Average total loans | $207,087,800 | 1,994 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3713% | 2,342 |
| Cost of funding earning assets | 0.4170% | 3,616 |
| Net interest margin | 3.9544% | 2,020 |
| Noninterest income to average assets | 0.9253% | 1,437 |
| Noninterest expense to average assets | 2.8576% | 3,266 |
| Loan and lease loss provision to assets | 0.0373% | 3,659 |
| Net operating income to assets | 1.4933% | 956 |
| Return on assets (ROA) | 1.5005% | 975 |
| Pretax return on assets | 1.5005% | 1,644 |
| Return on Equity (ROE) | 17.6570% | 476 |
| Retained earnings to average equity (ytd only) | 10.0454% | 694 |
| Net charge-offs to loans | 0.0729% | 3,150 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 41.0627% | 1,108 |
| Efficiency ratio | 65.1206% | 4,349 |
| Assets per employee ($millions) | 3.8983% | 4,091 |
| Cash dividends to net income (ytd only)* | 43.1084% | 2,196 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7781% | 1,742 |
| Loan loss allowance to noncurrent loans | 99.9467% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9730% | 3,021 |
| Noncurrent loans to loans | 1.7791% | 1,823 |
| Net loans and leases to total assets | 51.5906% | 4,848 |
| Net loans and leases to deposits | 56.8969% | 5,182 |
| Net loans and leases to core deposits | 58.4030% | 5,306 |
| Total domestic deposits to total assets | 90.6738% | 459 |
| Equity capital to assets | 8.9215% | 5,437 |
| Core capital (leverage) ratio | 8.8318% | 5,294 |
| Tier 1 risk-based capital ratio | 15.1421% | 3,509 |
| Total risk-based capital ratio | 16.3982% | 3,439 |
| Memoranda: |
| Average total assets | $404,204,500 | 1,646 |
| Average earning assets | $353,963,250 | 1,706 |
| Average equity | $34,350,000 | 2,033 |
| Average total loans | $206,692,750 | 2,009 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3603% | 2,333 |
| Cost of funding earning assets | 0.4194% | 3,667 |
| Net interest margin | 3.9409% | 2,012 |
| Noninterest income to average assets | 0.9005% | 1,494 |
| Noninterest expense to average assets | 2.8872% | 3,212 |
| Loan and lease loss provision to assets | -0.0054% | 6,217 |
| Net operating income to assets | 1.5216% | 836 |
| Return on assets (ROA) | 1.5364% | 854 |
| Pretax return on assets | 1.5364% | 1,442 |
| Return on Equity (ROE) | 18.3819% | 426 |
| Retained earnings to average equity (ytd only) | 10.6618% | 587 |
| Net charge-offs to loans | -0.0107% | 5,342 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5679% | 4,431 |
| Assets per employee ($millions) | 3.8948% | 4,070 |
| Cash dividends to net income (ytd only)* | 41.9987% | 2,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7741% | 1,909 |
| Loan loss allowance to noncurrent loans | 84.4214% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1332% | 2,809 |
| Noncurrent loans to loans | 2.1015% | 1,590 |
| Net loans and leases to total assets | 51.2560% | 4,828 |
| Net loans and leases to deposits | 56.3776% | 5,162 |
| Net loans and leases to core deposits | 57.8234% | 5,286 |
| Total domestic deposits to total assets | 90.9155% | 440 |
| Equity capital to assets | 8.7159% | 5,602 |
| Core capital (leverage) ratio | 8.5799% | 5,549 |
| Tier 1 risk-based capital ratio | 15.0219% | 3,625 |
| Total risk-based capital ratio | 16.2784% | 3,570 |
| Memoranda: |
| Average total assets | $405,098,330 | 1,644 |
| Average earning assets | $360,068,670 | 1,680 |
| Average equity | $33,859,330 | 2,047 |
| Average total loans | $205,291,000 | 2,014 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5956% | 1,520 |
| Cost of funding earning assets | 0.4579% | 3,337 |
| Net interest margin | 4.1377% | 1,371 |
| Noninterest income to average assets | 0.9123% | 1,353 |
| Noninterest expense to average assets | 2.9335% | 3,105 |
| Loan and lease loss provision to assets | 0.0089% | 3,708 |
| Net operating income to assets | 1.5117% | 793 |
| Return on assets (ROA) | 1.5117% | 831 |
| Pretax return on assets | 1.5117% | 1,401 |
| Return on Equity (ROE) | 18.4811% | 400 |
| Retained earnings to average equity (ytd only) | 10.5986% | 818 |
| Net charge-offs to loans | 0.0178% | 3,229 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 171.1111% | 292 |
| Efficiency ratio | 65.8612% | 4,552 |
| Assets per employee ($millions) | 4.0019% | 3,946 |
| Cash dividends to net income (ytd only)* | 42.6519% | 1,906 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8322% | 1,951 |
| Loan loss allowance to noncurrent loans | 90.2310% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 3,117 |
| Noncurrent loans to loans | 2.0306% | 1,835 |
| Net loans and leases to total assets | 49.2217% | 4,976 |
| Net loans and leases to deposits | 53.8683% | 5,301 |
| Net loans and leases to core deposits | 55.3723% | 5,403 |
| Total domestic deposits to total assets | 91.3742% | 423 |
| Equity capital to assets | 8.2730% | 5,848 |
| Core capital (leverage) ratio | 8.4373% | 5,714 |
| Tier 1 risk-based capital ratio | 15.2681% | 3,566 |
| Total risk-based capital ratio | 16.5255% | 3,514 |
| Memoranda: |
| Average total assets | $405,116,000 | 1,650 |
| Average earning assets | $346,766,000 | 1,733 |
| Average equity | $33,136,500 | 2,078 |
| Average total loans | $202,252,000 | 2,031 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2028% | 3,342 |
| Cost of funding earning assets | 0.5334% | 3,261 |
| Net interest margin | 3.6694% | 3,177 |
| Noninterest income to average assets | 0.9247% | 1,596 |
| Noninterest expense to average assets | 2.7000% | 4,092 |
| Loan and lease loss provision to assets | 0.2391% | 1,518 |
| Net operating income to assets | 1.2913% | 1,271 |
| Return on assets (ROA) | 0.3698% | 5,375 |
| Pretax return on assets | 0.3698% | 5,559 |
| Return on Equity (ROE) | 4.4072% | 4,935 |
| Retained earnings to average equity (ytd only) | -5.2822% | 6,387 |
| Net charge-offs to loans | -0.0475% | 6,324 |
| Credit loss provision to net charge-offs | -1,079.7753% | 6,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8235% | 4,930 |
| Assets per employee ($millions) | 3.8658% | 4,123 |
| Cash dividends to net income (ytd only)* | 219.8520% | 61 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8766% | 1,835 |
| Loan loss allowance to noncurrent loans | 81.8063% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 2,698 |
| Noncurrent loans to loans | 2.2939% | 1,686 |
| Net loans and leases to total assets | 48.7725% | 5,215 |
| Net loans and leases to deposits | 53.2342% | 5,532 |
| Net loans and leases to core deposits | 55.0027% | 5,613 |
| Total domestic deposits to total assets | 91.6187% | 372 |
| Equity capital to assets | 8.0846% | 5,951 |
| Core capital (leverage) ratio | 8.4021% | 5,780 |
| Tier 1 risk-based capital ratio | 15.2901% | 3,489 |
| Total risk-based capital ratio | 16.5482% | 3,437 |
| Memoranda: |
| Average total assets | $401,851,400 | 1,638 |
| Average earning assets | $362,021,000 | 1,665 |
| Average equity | $33,717,200 | 2,043 |
| Average total loans | $187,401,200 | 2,128 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1409% | 3,601 |
| Cost of funding earning assets | 0.5462% | 3,304 |
| Net interest margin | 3.5947% | 3,465 |
| Noninterest income to average assets | 0.9368% | 1,647 |
| Noninterest expense to average assets | 2.6649% | 4,146 |
| Loan and lease loss provision to assets | 0.0677% | 3,700 |
| Net operating income to assets | 1.4955% | 908 |
| Return on assets (ROA) | 1.4079% | 1,136 |
| Pretax return on assets | 1.4079% | 1,906 |
| Return on Equity (ROE) | 16.6286% | 574 |
| Retained earnings to average equity (ytd only) | 3.8250% | 3,966 |
| Net charge-offs to loans | -0.0695% | 6,404 |
| Credit loss provision to net charge-offs | -212.5000% | 5,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0278% | 4,984 |
| Assets per employee ($millions) | 3.9507% | 3,934 |
| Cash dividends to net income (ytd only)* | 76.9974% | 873 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5769% | 3,114 |
| Loan loss allowance to noncurrent loans | 97.9752% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 3,525 |
| Noncurrent loans to loans | 1.6095% | 2,759 |
| Net loans and leases to total assets | 47.3973% | 5,407 |
| Net loans and leases to deposits | 51.7354% | 5,724 |
| Net loans and leases to core deposits | 53.6249% | 5,789 |
| Total domestic deposits to total assets | 91.6148% | 337 |
| Equity capital to assets | 8.0182% | 6,144 |
| Core capital (leverage) ratio | 8.9270% | 5,230 |
| Tier 1 risk-based capital ratio | 16.2884% | 3,044 |
| Total risk-based capital ratio | 17.5406% | 3,006 |
| Memoranda: |
| Average total assets | $401,804,750 | 1,653 |
| Average earning assets | $367,898,250 | 1,651 |
| Average equity | $34,020,750 | 2,040 |
| Average total loans | $184,293,000 | 2,164 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0395% | 3,961 |
| Cost of funding earning assets | 0.5764% | 3,157 |
| Net interest margin | 3.4630% | 3,949 |
| Noninterest income to average assets | 0.9014% | 1,807 |
| Noninterest expense to average assets | 2.6492% | 4,222 |
| Loan and lease loss provision to assets | -0.0500% | 6,646 |
| Net operating income to assets | 1.4691% | 951 |
| Return on assets (ROA) | 1.7988% | 562 |
| Pretax return on assets | 1.7988% | 931 |
| Return on Equity (ROE) | 20.8839% | 256 |
| Retained earnings to average equity (ytd only) | 9.6201% | 934 |
| Net charge-offs to loans | -0.1108% | 6,525 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1174% | 4,688 |
| Assets per employee ($millions) | 3.7513% | 4,298 |
| Cash dividends to net income (ytd only)* | 53.9351% | 1,704 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4476% | 3,819 |
| Loan loss allowance to noncurrent loans | 470.3833% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 4,932 |
| Noncurrent loans to loans | 0.3077% | 5,534 |
| Net loans and leases to total assets | 45.7956% | 5,555 |
| Net loans and leases to deposits | 50.0342% | 5,839 |
| Net loans and leases to core deposits | 51.7627% | 5,904 |
| Total domestic deposits to total assets | 91.5286% | 369 |
| Equity capital to assets | 8.1520% | 6,094 |
| Core capital (leverage) ratio | 9.0389% | 4,923 |
| Tier 1 risk-based capital ratio | 15.9050% | 3,253 |
| Total risk-based capital ratio | 17.1270% | 3,217 |
| Memoranda: |
| Average total assets | $404,051,330 | 1,642 |
| Average earning assets | $369,503,000 | 1,640 |
| Average equity | $34,802,000 | 2,000 |
| Average total loans | $182,307,330 | 2,177 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0416% | 3,946 |
| Cost of funding earning assets | 0.5986% | 3,121 |
| Net interest margin | 3.4430% | 3,945 |
| Noninterest income to average assets | 0.8920% | 1,785 |
| Noninterest expense to average assets | 2.6513% | 4,237 |
| Loan and lease loss provision to assets | -0.0681% | 6,808 |
| Net operating income to assets | 1.4189% | 997 |
| Return on assets (ROA) | 2.0731% | 334 |
| Pretax return on assets | 2.0731% | 522 |
| Return on Equity (ROE) | 23.4470% | 154 |
| Retained earnings to average equity (ytd only) | 12.5103% | 625 |
| Net charge-offs to loans | -0.1532% | 6,610 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2475% | 4,625 |
| Assets per employee ($millions) | 3.8626% | 4,225 |
| Cash dividends to net income (ytd only)* | 46.6445% | 1,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5024% | 3,818 |
| Loan loss allowance to noncurrent loans | 260.6178% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 5,131 |
| Noncurrent loans to loans | 0.5765% | 5,002 |
| Net loans and leases to total assets | 43.2323% | 5,738 |
| Net loans and leases to deposits | 47.5400% | 5,954 |
| Net loans and leases to core deposits | 49.1487% | 6,027 |
| Total domestic deposits to total assets | 90.9387% | 548 |
| Equity capital to assets | 8.7545% | 5,755 |
| Core capital (leverage) ratio | 8.9009% | 5,055 |
| Tier 1 risk-based capital ratio | 16.8718% | 2,821 |
| Total risk-based capital ratio | 18.1228% | 2,786 |
| Memoranda: |
| Average total assets | $405,383,000 | 1,652 |
| Average earning assets | $366,194,000 | 1,668 |
| Average equity | $35,842,500 | 1,968 |
| Average total loans | $180,202,000 | 2,213 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2746% | 4,302 |
| Cost of funding earning assets | 0.6433% | 3,977 |
| Net interest margin | 3.6313% | 3,959 |
| Noninterest income to average assets | 1.0445% | 1,423 |
| Noninterest expense to average assets | 2.8015% | 4,015 |
| Loan and lease loss provision to assets | -0.0131% | 6,826 |
| Net operating income to assets | 1.6203% | 729 |
| Return on assets (ROA) | 1.7677% | 606 |
| Pretax return on assets | 1.7677% | 981 |
| Return on Equity (ROE) | 18.9441% | 364 |
| Retained earnings to average equity (ytd only) | 2.8191% | 4,253 |
| Net charge-offs to loans | 0.1993% | 3,782 |
| Credit loss provision to net charge-offs | -14.6132% | 6,225 |
| Earnings coverage of net charge-offs (x) | 17.9971% | 1,467 |
| Efficiency ratio | 63.5440% | 4,974 |
| Assets per employee ($millions) | 3.8222% | 4,324 |
| Cash dividends to net income (ytd only)* | 85.1187% | 837 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4942% | 3,766 |
| Loan loss allowance to noncurrent loans | 447.7612% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 5,245 |
| Noncurrent loans to loans | 0.3337% | 5,652 |
| Net loans and leases to total assets | 44.3514% | 5,789 |
| Net loans and leases to deposits | 48.9188% | 6,042 |
| Net loans and leases to core deposits | 50.4127% | 6,123 |
| Total domestic deposits to total assets | 90.6633% | 628 |
| Equity capital to assets | 8.9305% | 5,602 |
| Core capital (leverage) ratio | 8.9887% | 4,914 |
| Tier 1 risk-based capital ratio | 16.6209% | 2,832 |
| Total risk-based capital ratio | 17.8719% | 2,805 |
| Memoranda: |
| Average total assets | $390,792,200 | 1,677 |
| Average earning assets | $362,049,000 | 1,651 |
| Average equity | $36,465,200 | 1,903 |
| Average total loans | $175,146,200 | 2,258 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2698% | 4,577 |
| Cost of funding earning assets | 0.6475% | 4,218 |
| Net interest margin | 3.6223% | 4,139 |
| Noninterest income to average assets | 1.0033% | 1,487 |
| Noninterest expense to average assets | 2.6906% | 4,402 |
| Loan and lease loss provision to assets | -0.0515% | 7,000 |
| Net operating income to assets | 1.7522% | 627 |
| Return on assets (ROA) | 1.9816% | 448 |
| Pretax return on assets | 1.9816% | 728 |
| Return on Equity (ROE) | 21.0037% | 281 |
| Retained earnings to average equity (ytd only) | 9.1092% | 1,180 |
| Net charge-offs to loans | 0.1918% | 3,583 |
| Credit loss provision to net charge-offs | -60.0000% | 6,197 |
| Earnings coverage of net charge-offs (x) | 19.8037% | 1,476 |
| Efficiency ratio | 61.2719% | 5,267 |
| Assets per employee ($millions) | 3.5646% | 4,816 |
| Cash dividends to net income (ytd only)* | 56.6302% | 1,411 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5033% | 3,938 |
| Loan loss allowance to noncurrent loans | 143.5407% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 4,838 |
| Noncurrent loans to loans | 1.0473% | 4,346 |
| Net loans and leases to total assets | 46.3806% | 5,725 |
| Net loans and leases to deposits | 52.0392% | 5,974 |
| Net loans and leases to core deposits | 53.7472% | 6,065 |
| Total domestic deposits to total assets | 89.1263% | 1,357 |
| Equity capital to assets | 10.1349% | 4,304 |
| Core capital (leverage) ratio | 9.5129% | 4,249 |
| Tier 1 risk-based capital ratio | 18.0102% | 2,338 |
| Total risk-based capital ratio | 19.2620% | 2,314 |
| Memoranda: |
| Average total assets | $388,157,500 | 1,709 |
| Average earning assets | $363,035,250 | 1,667 |
| Average equity | $36,621,250 | 1,912 |
| Average total loans | $173,758,750 | 2,300 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2393% | 4,811 |
| Cost of funding earning assets | 0.6558% | 4,393 |
| Net interest margin | 3.5835% | 4,333 |
| Noninterest income to average assets | 1.0118% | 1,435 |
| Noninterest expense to average assets | 2.7669% | 4,149 |
| Loan and lease loss provision to assets | -0.0415% | 7,066 |
| Net operating income to assets | 1.6342% | 779 |
| Return on assets (ROA) | 1.8637% | 568 |
| Pretax return on assets | 1.8637% | 912 |
| Return on Equity (ROE) | 20.2432% | 339 |
| Retained earnings to average equity (ytd only) | 9.3370% | 1,162 |
| Net charge-offs to loans | 0.3713% | 2,535 |
| Credit loss provision to net charge-offs | -25.3918% | 5,955 |
| Earnings coverage of net charge-offs (x) | 9.7461% | 2,135 |
| Efficiency ratio | 63.4665% | 4,992 |
| Assets per employee ($millions) | 3.4929% | 5,002 |
| Cash dividends to net income (ytd only)* | 53.8758% | 1,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5245% | 3,896 |
| Loan loss allowance to noncurrent loans | 163.2406% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 5,080 |
| Noncurrent loans to loans | 0.9339% | 4,644 |
| Net loans and leases to total assets | 44.9828% | 5,927 |
| Net loans and leases to deposits | 50.1505% | 6,168 |
| Net loans and leases to core deposits | 51.5677% | 6,265 |
| Total domestic deposits to total assets | 89.6955% | 1,106 |
| Equity capital to assets | 9.3778% | 5,223 |
| Core capital (leverage) ratio | 9.1229% | 4,730 |
| Tier 1 risk-based capital ratio | 16.6669% | 2,824 |
| Total risk-based capital ratio | 17.9220% | 2,772 |
| Memoranda: |
| Average total assets | $390,405,330 | 1,696 |
| Average earning assets | $364,729,000 | 1,657 |
| Average equity | $35,943,000 | 1,932 |
| Average total loans | $171,811,000 | 2,330 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2041% | 5,086 |
| Cost of funding earning assets | 0.6660% | 4,568 |
| Net interest margin | 3.5381% | 4,531 |
| Noninterest income to average assets | 1.0619% | 1,279 |
| Noninterest expense to average assets | 2.8692% | 3,750 |
| Loan and lease loss provision to assets | -0.1858% | 7,206 |
| Net operating income to assets | 1.6929% | 731 |
| Return on assets (ROA) | 1.8798% | 586 |
| Pretax return on assets | 1.8798% | 918 |
| Return on Equity (ROE) | 20.6072% | 343 |
| Retained earnings to average equity (ytd only) | 9.6376% | 1,368 |
| Net charge-offs to loans | 0.5155% | 1,803 |
| Credit loss provision to net charge-offs | -83.4862% | 5,473 |
| Earnings coverage of net charge-offs (x) | 6.7706% | 2,156 |
| Efficiency ratio | 65.5623% | 4,645 |
| Assets per employee ($millions) | 3.6050% | 4,866 |
| Cash dividends to net income (ytd only)* | 53.2319% | 1,370 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5786% | 3,813 |
| Loan loss allowance to noncurrent loans | 115.2861% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 4,994 |
| Noncurrent loans to loans | 1.3693% | 4,063 |
| Net loans and leases to total assets | 42.4520% | 6,152 |
| Net loans and leases to deposits | 47.2706% | 6,335 |
| Net loans and leases to core deposits | 48.5761% | 6,424 |
| Total domestic deposits to total assets | 89.8063% | 1,187 |
| Equity capital to assets | 9.1056% | 5,351 |
| Core capital (leverage) ratio | 9.0069% | 4,832 |
| Tier 1 risk-based capital ratio | 16.3532% | 2,986 |
| Total risk-based capital ratio | 17.6042% | 2,942 |
| Memoranda: |
| Average total assets | $391,751,500 | 1,697 |
| Average earning assets | $366,975,500 | 1,649 |
| Average equity | $35,735,000 | 1,946 |
| Average total loans | $169,164,500 | 2,372 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5845% | 4,734 |
| Cost of funding earning assets | 0.7791% | 5,006 |
| Net interest margin | 3.8054% | 3,789 |
| Noninterest income to average assets | 0.9946% | 1,383 |
| Noninterest expense to average assets | 3.1176% | 3,141 |
| Loan and lease loss provision to assets | -0.0533% | 7,248 |
| Net operating income to assets | 1.4818% | 862 |
| Return on assets (ROA) | 1.4800% | 942 |
| Pretax return on assets | 1.4800% | 1,532 |
| Return on Equity (ROE) | 16.4648% | 542 |
| Retained earnings to average equity (ytd only) | 2.7159% | 4,305 |
| Net charge-offs to loans | -0.0589% | 7,076 |
| Credit loss provision to net charge-offs | 197.0874% | 1,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5780% | 4,239 |
| Assets per employee ($millions) | 3.5178% | 4,977 |
| Cash dividends to net income (ytd only)* | 83.5050% | 681 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8531% | 2,697 |
| Loan loss allowance to noncurrent loans | 137.2896% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 4,363 |
| Noncurrent loans to loans | 1.3498% | 4,119 |
| Net loans and leases to total assets | 42.4304% | 6,342 |
| Net loans and leases to deposits | 47.3776% | 6,538 |
| Net loans and leases to core deposits | 49.0834% | 6,585 |
| Total domestic deposits to total assets | 89.5580% | 1,229 |
| Equity capital to assets | 9.1385% | 5,365 |
| Core capital (leverage) ratio | 9.0230% | 4,738 |
| Tier 1 risk-based capital ratio | 17.4896% | 2,388 |
| Total risk-based capital ratio | 18.7445% | 2,352 |
| Memoranda: |
| Average total assets | $380,548,600 | 1,699 |
| Average earning assets | $355,150,200 | 1,666 |
| Average equity | $34,206,400 | 1,959 |
| Average total loans | $174,795,400 | 2,318 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6585% | 4,645 |
| Cost of funding earning assets | 0.8058% | 5,111 |
| Net interest margin | 3.8527% | 3,600 |
| Noninterest income to average assets | 0.9781% | 1,399 |
| Noninterest expense to average assets | 3.0234% | 3,468 |
| Loan and lease loss provision to assets | -0.0661% | 7,340 |
| Net operating income to assets | 1.6192% | 751 |
| Return on assets (ROA) | 1.6343% | 798 |
| Pretax return on assets | 1.6343% | 1,294 |
| Return on Equity (ROE) | 18.2595% | 436 |
| Retained earnings to average equity (ytd only) | 6.7024% | 2,133 |
| Net charge-offs to loans | -0.0664% | 7,102 |
| Credit loss provision to net charge-offs | 213.6364% | 1,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0644% | 4,707 |
| Assets per employee ($millions) | 3.4162% | 5,211 |
| Cash dividends to net income (ytd only)* | 63.2938% | 1,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8572% | 2,760 |
| Loan loss allowance to noncurrent loans | 144.1860% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 4,578 |
| Noncurrent loans to loans | 1.2880% | 4,379 |
| Net loans and leases to total assets | 43.5946% | 6,368 |
| Net loans and leases to deposits | 49.1590% | 6,552 |
| Net loans and leases to core deposits | 50.7466% | 6,635 |
| Total domestic deposits to total assets | 88.6808% | 1,639 |
| Equity capital to assets | 9.6222% | 4,902 |
| Core capital (leverage) ratio | 9.2867% | 4,469 |
| Tier 1 risk-based capital ratio | 17.7055% | 2,364 |
| Total risk-based capital ratio | 18.9602% | 2,326 |
| Memoranda: |
| Average total assets | $378,946,750 | 1,718 |
| Average earning assets | $353,928,500 | 1,677 |
| Average equity | $33,917,500 | 1,974 |
| Average total loans | $176,672,500 | 2,309 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7095% | 4,496 |
| Cost of funding earning assets | 0.8373% | 5,144 |
| Net interest margin | 3.8722% | 3,429 |
| Noninterest income to average assets | 0.9621% | 1,425 |
| Noninterest expense to average assets | 3.1079% | 3,222 |
| Loan and lease loss provision to assets | -0.0600% | 7,402 |
| Net operating income to assets | 1.5289% | 836 |
| Return on assets (ROA) | 1.5074% | 934 |
| Pretax return on assets | 1.5074% | 1,508 |
| Return on Equity (ROE) | 17.2683% | 527 |
| Retained earnings to average equity (ytd only) | 5.4506% | 2,715 |
| Net charge-offs to loans | -0.0156% | 6,774 |
| Credit loss provision to net charge-offs | 814.2857% | 406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9048% | 4,533 |
| Assets per employee ($millions) | 3.4533% | 5,072 |
| Cash dividends to net income (ytd only)* | 68.4358% | 1,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8039% | 2,978 |
| Loan loss allowance to noncurrent loans | 75.0605% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 4,448 |
| Noncurrent loans to loans | 2.4033% | 2,985 |
| Net loans and leases to total assets | 44.4234% | 6,401 |
| Net loans and leases to deposits | 50.6962% | 6,552 |
| Net loans and leases to core deposits | 52.4768% | 6,636 |
| Total domestic deposits to total assets | 87.6267% | 2,382 |
| Equity capital to assets | 9.2054% | 5,278 |
| Core capital (leverage) ratio | 8.9138% | 4,857 |
| Tier 1 risk-based capital ratio | 16.9800% | 2,529 |
| Total risk-based capital ratio | 18.2346% | 2,500 |
| Memoranda: |
| Average total assets | $380,003,000 | 1,721 |
| Average earning assets | $354,730,670 | 1,686 |
| Average equity | $33,170,670 | 1,995 |
| Average total loans | $179,923,670 | 2,285 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7258% | 4,391 |
| Cost of funding earning assets | 0.8567% | 5,234 |
| Net interest margin | 3.8691% | 3,304 |
| Noninterest income to average assets | 0.9335% | 1,532 |
| Noninterest expense to average assets | 3.1352% | 3,124 |
| Loan and lease loss provision to assets | -0.0831% | 7,483 |
| Net operating income to assets | 1.4797% | 910 |
| Return on assets (ROA) | 1.3934% | 1,117 |
| Pretax return on assets | 1.3934% | 1,744 |
| Return on Equity (ROE) | 16.4105% | 639 |
| Retained earnings to average equity (ytd only) | 4.2638% | 3,610 |
| Net charge-offs to loans | 0.0457% | 4,482 |
| Credit loss provision to net charge-offs | -376.1905% | 5,914 |
| Earnings coverage of net charge-offs (x) | 63.1905% | 471 |
| Efficiency ratio | 69.1825% | 4,438 |
| Assets per employee ($millions) | 3.4689% | 5,070 |
| Cash dividends to net income (ytd only)* | 74.0181% | 944 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7198% | 3,277 |
| Loan loss allowance to noncurrent loans | 59.9150% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 3,738 |
| Noncurrent loans to loans | 2.8703% | 2,624 |
| Net loans and leases to total assets | 46.4270% | 6,247 |
| Net loans and leases to deposits | 52.7372% | 6,415 |
| Net loans and leases to core deposits | 54.5157% | 6,522 |
| Total domestic deposits to total assets | 88.0346% | 2,355 |
| Equity capital to assets | 8.6540% | 5,709 |
| Core capital (leverage) ratio | 8.8118% | 4,907 |
| Tier 1 risk-based capital ratio | 15.5392% | 3,142 |
| Total risk-based capital ratio | 16.7924% | 3,092 |
| Memoranda: |
| Average total assets | $380,072,000 | 1,730 |
| Average earning assets | $353,467,500 | 1,702 |
| Average equity | $32,272,000 | 2,029 |
| Average total loans | $183,961,000 | 2,257 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0268% | 4,428 |
| Cost of funding earning assets | 1.1749% | 4,701 |
| Net interest margin | 3.8519% | 3,726 |
| Noninterest income to average assets | 0.9168% | 1,787 |
| Noninterest expense to average assets | 2.9787% | 3,929 |
| Loan and lease loss provision to assets | 0.2615% | 4,699 |
| Net operating income to assets | 1.2733% | 1,239 |
| Return on assets (ROA) | 1.2369% | 1,398 |
| Pretax return on assets | 1.2369% | 2,118 |
| Return on Equity (ROE) | 14.5650% | 782 |
| Retained earnings to average equity (ytd only) | 2.9580% | 3,790 |
| Net charge-offs to loans | 0.5273% | 3,516 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 5.8692% | 2,506 |
| Efficiency ratio | 65.9944% | 4,971 |
| Assets per employee ($millions) | 3.3800% | 5,219 |
| Cash dividends to net income (ytd only)* | 79.6910% | 862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7052% | 3,200 |
| Loan loss allowance to noncurrent loans | 60.4686% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 3,669 |
| Noncurrent loans to loans | 2.8199% | 2,702 |
| Net loans and leases to total assets | 48.7278% | 6,303 |
| Net loans and leases to deposits | 55.2903% | 6,497 |
| Net loans and leases to core deposits | 57.7120% | 6,581 |
| Total domestic deposits to total assets | 88.1309% | 2,172 |
| Equity capital to assets | 8.3268% | 6,112 |
| Core capital (leverage) ratio | 8.5091% | 5,346 |
| Tier 1 risk-based capital ratio | 15.0512% | 3,215 |
| Total risk-based capital ratio | 16.3039% | 3,170 |
| Memoranda: |
| Average total assets | $397,692,000 | 1,661 |
| Average earning assets | $371,350,800 | 1,624 |
| Average equity | $33,772,800 | 1,956 |
| Average total loans | $197,237,800 | 2,186 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0617% | 4,531 |
| Cost of funding earning assets | 1.2454% | 4,598 |
| Net interest margin | 3.8164% | 3,899 |
| Noninterest income to average assets | 0.8898% | 1,831 |
| Noninterest expense to average assets | 2.8715% | 4,199 |
| Loan and lease loss provision to assets | 0.1908% | 5,136 |
| Net operating income to assets | 1.3887% | 1,128 |
| Return on assets (ROA) | 1.5398% | 930 |
| Pretax return on assets | 1.5398% | 1,505 |
| Return on Equity (ROE) | 18.0489% | 478 |
| Retained earnings to average equity (ytd only) | 6.6324% | 2,024 |
| Net charge-offs to loans | 0.3847% | 3,751 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 8.2778% | 2,186 |
| Efficiency ratio | 64.5132% | 5,151 |
| Assets per employee ($millions) | 3.5276% | 4,907 |
| Cash dividends to net income (ytd only)* | 63.2530% | 1,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6613% | 3,292 |
| Loan loss allowance to noncurrent loans | 111.1497% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.1579% | 4,803 |
| Noncurrent loans to loans | 1.4947% | 4,398 |
| Net loans and leases to total assets | 48.3751% | 6,488 |
| Net loans and leases to deposits | 56.1363% | 6,610 |
| Net loans and leases to core deposits | 58.5898% | 6,697 |
| Total domestic deposits to total assets | 86.1744% | 2,990 |
| Equity capital to assets | 9.1564% | 5,377 |
| Core capital (leverage) ratio | 8.2631% | 5,942 |
| Tier 1 risk-based capital ratio | 15.2265% | 3,138 |
| Total risk-based capital ratio | 16.4788% | 3,109 |
| Memoranda: |
| Average total assets | $402,474,500 | 1,665 |
| Average earning assets | $375,567,500 | 1,626 |
| Average equity | $34,335,500 | 1,954 |
| Average total loans | $199,631,000 | 2,189 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0648% | 4,641 |
| Cost of funding earning assets | 1.3379% | 4,272 |
| Net interest margin | 3.7269% | 4,244 |
| Noninterest income to average assets | 0.8717% | 1,795 |
| Noninterest expense to average assets | 2.8726% | 4,172 |
| Loan and lease loss provision to assets | 0.1960% | 4,911 |
| Net operating income to assets | 1.2795% | 1,362 |
| Return on assets (ROA) | 1.4548% | 1,051 |
| Pretax return on assets | 1.4548% | 1,684 |
| Return on Equity (ROE) | 17.4640% | 519 |
| Retained earnings to average equity (ytd only) | 5.8765% | 2,404 |
| Net charge-offs to loans | 0.3941% | 3,399 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 7.5276% | 2,288 |
| Efficiency ratio | 66.0664% | 4,966 |
| Assets per employee ($millions) | 3.4627% | 5,012 |
| Cash dividends to net income (ytd only)* | 66.3507% | 1,118 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6352% | 3,310 |
| Loan loss allowance to noncurrent loans | 120.0300% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 4,847 |
| Noncurrent loans to loans | 1.3623% | 4,667 |
| Net loans and leases to total assets | 47.1116% | 6,698 |
| Net loans and leases to deposits | 54.1126% | 6,856 |
| Net loans and leases to core deposits | 56.3862% | 6,919 |
| Total domestic deposits to total assets | 87.0621% | 2,496 |
| Equity capital to assets | 8.2918% | 6,436 |
| Core capital (leverage) ratio | 8.0116% | 6,260 |
| Tier 1 risk-based capital ratio | 15.2407% | 3,043 |
| Total risk-based capital ratio | 16.4937% | 2,994 |
| Memoranda: |
| Average total assets | $406,111,670 | 1,672 |
| Average earning assets | $378,810,000 | 1,631 |
| Average equity | $33,829,670 | 1,973 |
| Average total loans | $201,968,330 | 2,196 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0962% | 4,544 |
| Cost of funding earning assets | 1.3562% | 4,445 |
| Net interest margin | 3.7401% | 4,054 |
| Noninterest income to average assets | 0.7963% | 2,042 |
| Noninterest expense to average assets | 2.9649% | 3,805 |
| Loan and lease loss provision to assets | 0.2638% | 3,918 |
| Net operating income to assets | 1.0552% | 1,986 |
| Return on assets (ROA) | 1.4573% | 1,045 |
| Pretax return on assets | 1.4573% | 1,622 |
| Return on Equity (ROE) | 17.4533% | 563 |
| Retained earnings to average equity (ytd only) | 5.8572% | 2,688 |
| Net charge-offs to loans | 0.5207% | 2,503 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,492 |
| Efficiency ratio | 69.2113% | 4,470 |
| Assets per employee ($millions) | 3.4266% | 5,217 |
| Cash dividends to net income (ytd only)* | 66.4407% | 1,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5893% | 3,499 |
| Loan loss allowance to noncurrent loans | 76.7570% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.4261% | 4,372 |
| Noncurrent loans to loans | 2.0705% | 3,693 |
| Net loans and leases to total assets | 48.1901% | 6,657 |
| Net loans and leases to deposits | 55.2984% | 6,824 |
| Net loans and leases to core deposits | 58.5722% | 6,842 |
| Total domestic deposits to total assets | 87.1455% | 2,551 |
| Equity capital to assets | 8.2551% | 6,365 |
| Core capital (leverage) ratio | 8.0154% | 6,215 |
| Tier 1 risk-based capital ratio | 14.5608% | 3,347 |
| Total risk-based capital ratio | 15.8133% | 3,309 |
| Memoranda: |
| Average total assets | $404,868,500 | 1,713 |
| Average earning assets | $377,533,500 | 1,673 |
| Average equity | $33,804,500 | 1,995 |
| Average total loans | $205,104,000 | 2,228 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9327% | 2,117 |
| Cost of funding earning assets | 1.5402% | 5,336 |
| Net interest margin | 4.3925% | 1,455 |
| Noninterest income to average assets | 0.9244% | 1,848 |
| Noninterest expense to average assets | 3.0987% | 3,751 |
| Loan and lease loss provision to assets | 0.5489% | 3,623 |
| Net operating income to assets | 1.3922% | 863 |
| Return on assets (ROA) | 1.6099% | 571 |
| Pretax return on assets | 1.6099% | 944 |
| Return on Equity (ROE) | 19.4248% | 275 |
| Retained earnings to average equity (ytd only) | 4.9707% | 1,829 |
| Net charge-offs to loans | 0.4096% | 4,178 |
| Credit loss provision to net charge-offs | 229.7297% | 1,605 |
| Earnings coverage of net charge-offs (x) | 8.1243% | 1,997 |
| Efficiency ratio | 61.4852% | 6,244 |
| Assets per employee ($millions) | 3.3212% | 5,455 |
| Cash dividends to net income (ytd only)* | 74.4104% | 1,375 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5322% | 3,562 |
| Loan loss allowance to noncurrent loans | 105.8551% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 4,403 |
| Noncurrent loans to loans | 1.4474% | 4,499 |
| Net loans and leases to total assets | 51.6012% | 6,467 |
| Net loans and leases to deposits | 59.5505% | 6,666 |
| Net loans and leases to core deposits | 72.3341% | 6,634 |
| Total domestic deposits to total assets | 86.6511% | 2,679 |
| Equity capital to assets | 8.4469% | 5,975 |
| Core capital (leverage) ratio | 8.2995% | 5,618 |
| Tier 1 risk-based capital ratio | 14.0919% | 3,444 |
| Total risk-based capital ratio | 15.3442% | 3,398 |
| Memoranda: |
| Average total assets | $387,159,600 | 1,771 |
| Average earning assets | $362,733,800 | 1,731 |
| Average equity | $32,087,800 | 2,083 |
| Average total loans | $225,813,600 | 2,052 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0876% | 1,694 |
| Cost of funding earning assets | 1.6014% | 5,395 |
| Net interest margin | 4.4862% | 1,227 |
| Noninterest income to average assets | 0.9277% | 1,869 |
| Noninterest expense to average assets | 2.9149% | 4,386 |
| Loan and lease loss provision to assets | 0.6089% | 2,951 |
| Net operating income to assets | 1.6170% | 642 |
| Return on assets (ROA) | 1.7694% | 507 |
| Pretax return on assets | 1.7694% | 854 |
| Return on Equity (ROE) | 21.4550% | 225 |
| Retained earnings to average equity (ytd only) | 11.8339% | 362 |
| Net charge-offs to loans | 0.3217% | 4,026 |
| Credit loss provision to net charge-offs | 316.2162% | 1,304 |
| Earnings coverage of net charge-offs (x) | 11.5604% | 1,842 |
| Efficiency ratio | 56.7013% | 6,905 |
| Assets per employee ($millions) | 3.2177% | 5,607 |
| Cash dividends to net income (ytd only)* | 44.8432% | 2,242 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4552% | 3,666 |
| Loan loss allowance to noncurrent loans | 117.2161% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 4,893 |
| Noncurrent loans to loans | 1.2415% | 4,870 |
| Net loans and leases to total assets | 56.5923% | 6,081 |
| Net loans and leases to deposits | 65.9927% | 6,311 |
| Net loans and leases to core deposits | 80.3391% | 6,322 |
| Total domestic deposits to total assets | 85.7554% | 2,829 |
| Equity capital to assets | 8.9045% | 5,627 |
| Core capital (leverage) ratio | 8.5291% | 5,433 |
| Tier 1 risk-based capital ratio | 13.9950% | 3,558 |
| Total risk-based capital ratio | 15.2461% | 3,504 |
| Memoranda: |
| Average total assets | $384,312,250 | 1,792 |
| Average earning assets | $360,920,250 | 1,749 |
| Average equity | $31,693,500 | 2,135 |
| Average total loans | $230,053,000 | 2,058 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0863% | 1,833 |
| Cost of funding earning assets | 1.6452% | 5,533 |
| Net interest margin | 4.4411% | 1,311 |
| Noninterest income to average assets | 0.9148% | 1,920 |
| Noninterest expense to average assets | 2.8307% | 4,825 |
| Loan and lease loss provision to assets | 0.5130% | 2,970 |
| Net operating income to assets | 1.7355% | 529 |
| Return on assets (ROA) | 1.8353% | 462 |
| Pretax return on assets | 1.8353% | 794 |
| Return on Equity (ROE) | 22.8598% | 202 |
| Retained earnings to average equity (ytd only) | 14.4047% | 235 |
| Net charge-offs to loans | 0.3316% | 3,527 |
| Credit loss provision to net charge-offs | 255.0388% | 1,825 |
| Earnings coverage of net charge-offs (x) | 11.1783% | 1,925 |
| Efficiency ratio | 55.7307% | 7,142 |
| Assets per employee ($millions) | 3.3058% | 5,302 |
| Cash dividends to net income (ytd only)* | 36.9867% | 2,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1570% | 5,223 |
| Loan loss allowance to noncurrent loans | 121.3252% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 5,083 |
| Noncurrent loans to loans | 0.9537% | 5,317 |
| Net loans and leases to total assets | 57.4263% | 6,045 |
| Net loans and leases to deposits | 66.7028% | 6,332 |
| Net loans and leases to core deposits | 81.4569% | 6,290 |
| Total domestic deposits to total assets | 86.0927% | 2,736 |
| Equity capital to assets | 8.3116% | 6,315 |
| Core capital (leverage) ratio | 8.4291% | 5,567 |
| Tier 1 risk-based capital ratio | 13.3769% | 3,882 |
| Total risk-based capital ratio | 14.4489% | 3,921 |
| Memoranda: |
| Average total assets | $384,780,000 | 1,817 |
| Average earning assets | $360,811,330 | 1,774 |
| Average equity | $30,892,670 | 2,192 |
| Average total loans | $233,438,330 | 2,058 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2217% | 1,529 |
| Cost of funding earning assets | 1.6800% | 5,694 |
| Net interest margin | 4.5417% | 1,050 |
| Noninterest income to average assets | 0.9068% | 1,821 |
| Noninterest expense to average assets | 2.7610% | 4,733 |
| Loan and lease loss provision to assets | 0.6306% | 2,004 |
| Net operating income to assets | 1.7614% | 572 |
| Return on assets (ROA) | 1.9532% | 430 |
| Pretax return on assets | 1.9532% | 718 |
| Return on Equity (ROE) | 24.7679% | 198 |
| Retained earnings to average equity (ytd only) | 16.1375% | 326 |
| Net charge-offs to loans | 0.5130% | 2,180 |
| Credit loss provision to net charge-offs | 198.3607% | 2,240 |
| Earnings coverage of net charge-offs (x) | 7.5246% | 2,334 |
| Efficiency ratio | 53.5801% | 7,262 |
| Assets per employee ($millions) | 3.2855% | 5,356 |
| Cash dividends to net income (ytd only)* | 34.8453% | 2,202 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9651% | 6,396 |
| Loan loss allowance to noncurrent loans | 100.3490% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 4,934 |
| Noncurrent loans to loans | 0.9617% | 5,071 |
| Net loans and leases to total assets | 61.4014% | 5,429 |
| Net loans and leases to deposits | 71.2018% | 5,842 |
| Net loans and leases to core deposits | 85.4616% | 5,954 |
| Total domestic deposits to total assets | 86.2357% | 2,593 |
| Equity capital to assets | 7.9860% | 6,833 |
| Core capital (leverage) ratio | 8.2198% | 6,060 |
| Tier 1 risk-based capital ratio | 12.9601% | 4,208 |
| Total risk-based capital ratio | 13.9083% | 4,348 |
| Memoranda: |
| Average total assets | $383,778,500 | 1,828 |
| Average earning assets | $358,807,500 | 1,791 |
| Average equity | $30,265,000 | 2,250 |
| Average total loans | $237,800,000 | 2,041 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7965% | 1,689 |
| Cost of funding earning assets | 2.2271% | 5,471 |
| Net interest margin | 4.5694% | 1,255 |
| Noninterest income to average assets | 0.9473% | 1,777 |
| Noninterest expense to average assets | 2.7765% | 4,920 |
| Loan and lease loss provision to assets | 0.7785% | 1,923 |
| Net operating income to assets | 1.6743% | 713 |
| Return on assets (ROA) | 1.5991% | 804 |
| Pretax return on assets | 1.5991% | 1,386 |
| Return on Equity (ROE) | 21.1371% | 296 |
| Retained earnings to average equity (ytd only) | 6.5168% | 1,332 |
| Net charge-offs to loans | 0.9329% | 1,325 |
| Credit loss provision to net charge-offs | 135.7942% | 3,925 |
| Earnings coverage of net charge-offs (x) | 4.2783% | 4,043 |
| Efficiency ratio | 53.0953% | 7,369 |
| Assets per employee ($millions) | 3.3031% | 5,200 |
| Cash dividends to net income (ytd only)* | 69.1691% | 2,211 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8429% | 6,930 |
| Loan loss allowance to noncurrent loans | 64.3708% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 4,360 |
| Noncurrent loans to loans | 1.3095% | 3,893 |
| Net loans and leases to total assets | 61.4038% | 5,710 |
| Net loans and leases to deposits | 71.1760% | 6,147 |
| Net loans and leases to core deposits | 85.1174% | 6,202 |
| Total domestic deposits to total assets | 86.2704% | 2,278 |
| Equity capital to assets | 7.7858% | 7,115 |
| Core capital (leverage) ratio | 8.0075% | 6,477 |
| Tier 1 risk-based capital ratio | 12.4479% | 4,476 |
| Total risk-based capital ratio | 13.2718% | 4,687 |
| Memoranda: |
| Average total assets | $389,840,600 | 1,741 |
| Average earning assets | $365,322,800 | 1,704 |
| Average equity | $29,493,200 | 2,292 |
| Average total loans | $239,575,800 | 1,971 |
