| 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 | 5.8302% | 1,542 |
| Cost of funding earning assets | 1.7200% | 2,909 |
| Net interest margin | 4.1102% | 1,045 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 2.0081% | 3,594 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 2.0374% | 366 |
| Return on assets (ROA) | 2.0374% | 370 |
| Pretax return on assets | 2.0374% | 568 |
| Return on Equity (ROE) | 14.4400% | 1,036 |
| Retained earnings to average equity (ytd only) | 5.6551% | 1,959 |
| Net charge-offs to loans | 0.0003% | 3,085 |
| Credit loss provision to net charge-offs | 51,400.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 10,841.0000% | 7 |
| Efficiency ratio | 49.3127% | 4,019 |
| Assets per employee ($millions) | 23.6884% | 71 |
| Cash dividends to net income (ytd only)* | 60.8354% | 1,154 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7093% | 638 |
| Loan loss allowance to noncurrent loans | 163.7730% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 1,093 |
| Noncurrent loans to loans | 1.0437% | 969 |
| Net loans and leases to total assets | 62.5900% | 2,706 |
| Net loans and leases to deposits | 73.6549% | 2,675 |
| Net loans and leases to core deposits | 82.5219% | 2,592 |
| Total domestic deposits to total assets | 84.9800% | 2,544 |
| Equity capital to assets | 11.9174% | 1,211 |
| Core capital (leverage) ratio | 15.4268% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $525,227,600 | 1,713 |
| Average earning assets | $503,652,600 | 1,671 |
| Average equity | $74,109,600 | 1,278 |
| Average total loans | $389,963,600 | 1,556 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3435% | 840 |
| Cost of funding earning assets | 1.9111% | 2,436 |
| Net interest margin | 4.4324% | 689 |
| Noninterest income to average assets | 0.1400% | 4,042 |
| Noninterest expense to average assets | 1.9896% | 3,595 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 2.3727% | 268 |
| Return on assets (ROA) | 2.3727% | 268 |
| Pretax return on assets | 2.3727% | 385 |
| Return on Equity (ROE) | 15.9000% | 829 |
| Retained earnings to average equity (ytd only) | 7.2239% | 1,660 |
| Net charge-offs to loans | 0.0004% | 2,839 |
| Credit loss provision to net charge-offs | 22,900.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 8,722.0000% | 6 |
| Efficiency ratio | 45.0340% | 4,197 |
| Assets per employee ($millions) | 16.0544% | 179 |
| Cash dividends to net income (ytd only)* | 54.5647% | 1,214 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0328% | 366 |
| Loan loss allowance to noncurrent loans | 543.7956% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 2,077 |
| Noncurrent loans to loans | 0.3738% | 2,151 |
| Net loans and leases to total assets | 74.5400% | 1,297 |
| Net loans and leases to deposits | 91.4677% | 1,101 |
| Net loans and leases to core deposits | 105.2355% | 1,176 |
| Total domestic deposits to total assets | 81.5000% | 3,200 |
| Equity capital to assets | 15.4356% | 541 |
| Core capital (leverage) ratio | 16.0510% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $478,871,750 | 1,816 |
| Average earning assets | $461,919,500 | 1,771 |
| Average equity | $71,464,250 | 1,293 |
| Average total loans | $374,324,000 | 1,603 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3793% | 735 |
| Cost of funding earning assets | 1.9400% | 2,263 |
| Net interest margin | 4.4393% | 676 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 1.9458% | 3,667 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 2.3923% | 268 |
| Return on assets (ROA) | 2.3923% | 266 |
| Pretax return on assets | 2.3923% | 379 |
| Return on Equity (ROE) | 16.2200% | 804 |
| Retained earnings to average equity (ytd only) | 7.1400% | 1,617 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 44.0049% | 4,250 |
| Assets per employee ($millions) | 15.9706% | 172 |
| Cash dividends to net income (ytd only)* | 55.9734% | 1,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1034% | 337 |
| Loan loss allowance to noncurrent loans | 549.8911% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 1,970 |
| Noncurrent loans to loans | 0.3825% | 2,037 |
| Net loans and leases to total assets | 76.0900% | 1,167 |
| Net loans and leases to deposits | 92.8348% | 1,053 |
| Net loans and leases to core deposits | 107.5021% | 1,075 |
| Total domestic deposits to total assets | 81.9600% | 3,090 |
| Equity capital to assets | 15.5214% | 518 |
| Core capital (leverage) ratio | 15.7653% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $477,951,667 | 1,814 |
| Average earning assets | $461,244,333 | 1,764 |
| Average equity | $70,504,667 | 1,304 |
| Average total loans | $376,938,333 | 1,589 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4122% | 641 |
| Cost of funding earning assets | 1.9867% | 2,024 |
| Net interest margin | 4.4254% | 643 |
| Noninterest income to average assets | 0.1300% | 4,079 |
| Noninterest expense to average assets | 1.9046% | 3,771 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 2.3801% | 275 |
| Return on assets (ROA) | 2.3801% | 277 |
| Pretax return on assets | 2.3801% | 381 |
| Return on Equity (ROE) | 16.5500% | 772 |
| Retained earnings to average equity (ytd only) | 7.3797% | 1,712 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 43.2043% | 4,260 |
| Assets per employee ($millions) | 16.0543% | 179 |
| Cash dividends to net income (ytd only)* | 55.4017% | 1,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9085% | 449 |
| Loan loss allowance to noncurrent loans | 663.6446% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 2,214 |
| Noncurrent loans to loans | 0.2876% | 2,292 |
| Net loans and leases to total assets | 78.1100% | 831 |
| Net loans and leases to deposits | 99.4662% | 506 |
| Net loans and leases to core deposits | 114.7095% | 789 |
| Total domestic deposits to total assets | 78.5300% | 3,731 |
| Equity capital to assets | 14.6174% | 583 |
| Core capital (leverage) ratio | 14.9328% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $485,353,500 | 1,800 |
| Average earning assets | $469,109,000 | 1,745 |
| Average equity | $69,813,500 | 1,307 |
| Average total loans | $385,416,500 | 1,553 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0429% | 601 |
| Cost of funding earning assets | 1.5218% | 1,889 |
| Net interest margin | 4.5211% | 597 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.8022% | 4,002 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 2.5050% | 235 |
| Return on assets (ROA) | 2.5050% | 231 |
| Pretax return on assets | 2.5050% | 338 |
| Return on Equity (ROE) | 18.1400% | 800 |
| Retained earnings to average equity (ytd only) | 7.6213% | 1,662 |
| Net charge-offs to loans | 0.0663% | 1,187 |
| Credit loss provision to net charge-offs | 377.0161% | 815 |
| Earnings coverage of net charge-offs (x) | 52.0363% | 1,270 |
| Efficiency ratio | 40.0242% | 4,361 |
| Assets per employee ($millions) | 15.7767% | 182 |
| Cash dividends to net income (ytd only)* | 57.9783% | 1,279 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8647% | 473 |
| Loan loss allowance to noncurrent loans | 524.8547% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 1,818 |
| Noncurrent loans to loans | 0.3553% | 1,920 |
| Net loans and leases to total assets | 77.7100% | 892 |
| Net loans and leases to deposits | 103.8746% | 367 |
| Net loans and leases to core deposits | 117.2716% | 708 |
| Total domestic deposits to total assets | 74.8100% | 4,044 |
| Equity capital to assets | 14.1542% | 650 |
| Core capital (leverage) ratio | 15.3218% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $477,852,600 | 1,778 |
| Average earning assets | $462,146,800 | 1,728 |
| Average equity | $65,999,200 | 1,306 |
| Average total loans | $373,808,400 | 1,540 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0246% | 515 |
| Cost of funding earning assets | 1.4538% | 1,724 |
| Net interest margin | 4.5707% | 557 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.7800% | 4,016 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 2.5552% | 255 |
| Return on assets (ROA) | 2.5552% | 250 |
| Pretax return on assets | 2.5552% | 359 |
| Return on Equity (ROE) | 18.6200% | 864 |
| Retained earnings to average equity (ytd only) | 7.9741% | 1,975 |
| Net charge-offs to loans | 0.0893% | 854 |
| Credit loss provision to net charge-offs | 308.4677% | 867 |
| Earnings coverage of net charge-offs (x) | 39.7944% | 1,449 |
| Efficiency ratio | 39.1216% | 4,378 |
| Assets per employee ($millions) | 15.6531% | 174 |
| Cash dividends to net income (ytd only)* | 57.1727% | 1,024 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0211% | 380 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,511 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.9100% | 1,134 |
| Net loans and leases to deposits | 94.9731% | 822 |
| Net loans and leases to core deposits | 107.0435% | 974 |
| Total domestic deposits to total assets | 79.9300% | 3,537 |
| Equity capital to assets | 14.2160% | 614 |
| Core capital (leverage) ratio | 15.0443% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $475,046,500 | 1,784 |
| Average earning assets | $459,463,750 | 1,737 |
| Average equity | $65,192,750 | 1,303 |
| Average total loans | $370,437,750 | 1,545 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9712% | 459 |
| Cost of funding earning assets | 1.3578% | 1,561 |
| Net interest margin | 4.6135% | 513 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.7858% | 4,025 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 2.5877% | 224 |
| Return on assets (ROA) | 2.5877% | 221 |
| Pretax return on assets | 2.5877% | 317 |
| Return on Equity (ROE) | 19.0800% | 821 |
| Retained earnings to average equity (ytd only) | 8.3499% | 1,862 |
| Net charge-offs to loans | 0.1331% | 560 |
| Credit loss provision to net charge-offs | 205.6452% | 1,037 |
| Earnings coverage of net charge-offs (x) | 26.9355% | 1,601 |
| Efficiency ratio | 38.9285% | 4,421 |
| Assets per employee ($millions) | 15.6608% | 169 |
| Cash dividends to net income (ytd only)* | 56.2399% | 1,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8795% | 517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 76.7300% | 969 |
| Net loans and leases to deposits | 96.0092% | 735 |
| Net loans and leases to core deposits | 107.1724% | 942 |
| Total domestic deposits to total assets | 79.9200% | 3,588 |
| Equity capital to assets | 14.0159% | 643 |
| Core capital (leverage) ratio | 14.6543% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $476,864,667 | 1,780 |
| Average earning assets | $461,346,000 | 1,731 |
| Average equity | $64,671,333 | 1,309 |
| Average total loans | $372,647,667 | 1,529 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8156% | 408 |
| Cost of funding earning assets | 1.2179% | 1,407 |
| Net interest margin | 4.5978% | 506 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.7702% | 4,075 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.5846% | 222 |
| Return on assets (ROA) | 2.5846% | 218 |
| Pretax return on assets | 2.5846% | 323 |
| Return on Equity (ROE) | 19.3800% | 829 |
| Retained earnings to average equity (ytd only) | 8.5453% | 2,071 |
| Net charge-offs to loans | 0.2643% | 289 |
| Credit loss provision to net charge-offs | 102.8226% | 1,096 |
| Earnings coverage of net charge-offs (x) | 13.5444% | 1,585 |
| Efficiency ratio | 38.7603% | 4,472 |
| Assets per employee ($millions) | 16.4932% | 153 |
| Cash dividends to net income (ytd only)* | 55.8956% | 1,050 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7486% | 724 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.1200% | 753 |
| Net loans and leases to deposits | 99.8034% | 455 |
| Net loans and leases to core deposits | 110.4176% | 690 |
| Total domestic deposits to total assets | 78.2700% | 3,975 |
| Equity capital to assets | 13.5864% | 657 |
| Core capital (leverage) ratio | 14.1021% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $480,385,500 | 1,792 |
| Average earning assets | $464,748,000 | 1,738 |
| Average equity | $64,082,000 | 1,331 |
| Average total loans | $375,277,500 | 1,542 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6185% | 596 |
| Cost of funding earning assets | 0.2997% | 2,877 |
| Net interest margin | 4.3188% | 404 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.6158% | 4,289 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 2.4593% | 152 |
| Return on assets (ROA) | 2.4593% | 147 |
| Pretax return on assets | 2.4593% | 218 |
| Return on Equity (ROE) | 17.9800% | 707 |
| Retained earnings to average equity (ytd only) | 6.6879% | 2,374 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.5910% | 4,584 |
| Assets per employee ($millions) | 17.2310% | 135 |
| Cash dividends to net income (ytd only)* | 62.8004% | 867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9740% | 450 |
| Loan loss allowance to noncurrent loans | 1,328.9091% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 2,726 |
| Noncurrent loans to loans | 0.1485% | 2,761 |
| Net loans and leases to total assets | 75.2300% | 1,101 |
| Net loans and leases to deposits | 97.3698% | 561 |
| Net loans and leases to core deposits | 101.2052% | 939 |
| Total domestic deposits to total assets | 77.2600% | 4,143 |
| Equity capital to assets | 13.0952% | 686 |
| Core capital (leverage) ratio | 14.1567% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4416% | 903 |
| Memoranda: |
| Average total assets | $456,799,600 | 1,839 |
| Average earning assets | $441,095,200 | 1,786 |
| Average equity | $62,486,200 | 1,354 |
| Average total loans | $330,498,800 | 1,601 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3520% | 649 |
| Cost of funding earning assets | 0.1506% | 3,839 |
| Net interest margin | 4.2015% | 418 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.6244% | 4,277 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 2.3295% | 182 |
| Return on assets (ROA) | 2.3295% | 178 |
| Pretax return on assets | 2.3295% | 263 |
| Return on Equity (ROE) | 16.8400% | 826 |
| Retained earnings to average equity (ytd only) | 6.3420% | 2,622 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.8570% | 4,598 |
| Assets per employee ($millions) | 16.0861% | 166 |
| Cash dividends to net income (ytd only)* | 62.3332% | 808 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0696% | 441 |
| Loan loss allowance to noncurrent loans | 1,282.5455% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 2,790 |
| Noncurrent loans to loans | 0.1614% | 2,798 |
| Net loans and leases to total assets | 71.5500% | 1,338 |
| Net loans and leases to deposits | 84.7464% | 1,253 |
| Net loans and leases to core deposits | 85.8601% | 1,529 |
| Total domestic deposits to total assets | 84.4300% | 3,399 |
| Equity capital to assets | 13.2348% | 646 |
| Core capital (leverage) ratio | 13.9964% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2403% | 824 |
| Memoranda: |
| Average total assets | $450,382,500 | 1,861 |
| Average earning assets | $434,788,250 | 1,811 |
| Average equity | $62,312,750 | 1,374 |
| Average total loans | $320,559,750 | 1,635 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0392% | 875 |
| Cost of funding earning assets | 0.1029% | 4,162 |
| Net interest margin | 3.9363% | 570 |
| Noninterest income to average assets | 0.1245% | 4,374 |
| Noninterest expense to average assets | 1.6161% | 4,287 |
| Loan and lease loss provision to assets | 0.2292% | 336 |
| Net operating income to assets | 2.0777% | 196 |
| Return on assets (ROA) | 2.0777% | 199 |
| Pretax return on assets | 2.0777% | 318 |
| Return on Equity (ROE) | 14.7927% | 938 |
| Retained earnings to average equity (ytd only) | 3.8174% | 3,151 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1960% | 4,591 |
| Assets per employee ($millions) | 16.3529% | 154 |
| Cash dividends to net income (ytd only)* | 74.1942% | 727 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0867% | 460 |
| Loan loss allowance to noncurrent loans | 690.9553% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 2,242 |
| Noncurrent loans to loans | 0.3020% | 2,250 |
| Net loans and leases to total assets | 69.6731% | 1,321 |
| Net loans and leases to deposits | 82.3315% | 1,222 |
| Net loans and leases to core deposits | 83.6131% | 1,476 |
| Total domestic deposits to total assets | 84.6250% | 3,562 |
| Equity capital to assets | 13.3972% | 594 |
| Core capital (leverage) ratio | 14.0613% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0067% | 718 |
| Memoranda: |
| Average total assets | $445,011,000 | 1,887 |
| Average earning assets | $429,442,333 | 1,845 |
| Average equity | $62,503,667 | 1,401 |
| Average total loans | $313,800,667 | 1,654 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0242% | 736 |
| Cost of funding earning assets | 0.0869% | 4,281 |
| Net interest margin | 3.9373% | 462 |
| Noninterest income to average assets | 0.1204% | 4,405 |
| Noninterest expense to average assets | 1.6791% | 4,166 |
| Loan and lease loss provision to assets | 0.2326% | 292 |
| Net operating income to assets | 2.0092% | 221 |
| Return on assets (ROA) | 2.0092% | 219 |
| Pretax return on assets | 2.0092% | 347 |
| Return on Equity (ROE) | 13.9687% | 835 |
| Retained earnings to average equity (ytd only) | 10.7983% | 820 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8239% | 4,588 |
| Assets per employee ($millions) | 16.8079% | 148 |
| Cash dividends to net income (ytd only)* | 22.6963% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1781% | 453 |
| Loan loss allowance to noncurrent loans | 1,183.3635% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 2,963 |
| Noncurrent loans to loans | 0.1841% | 2,896 |
| Net loans and leases to total assets | 64.7635% | 1,527 |
| Net loans and leases to deposits | 78.3655% | 1,258 |
| Net loans and leases to core deposits | 79.9916% | 1,481 |
| Total domestic deposits to total assets | 82.6429% | 3,990 |
| Equity capital to assets | 13.8925% | 545 |
| Core capital (leverage) ratio | 14.6466% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4903% | 699 |
| Memoranda: |
| Average total assets | $438,576,500 | 1,916 |
| Average earning assets | $423,337,000 | 1,878 |
| Average equity | $63,084,000 | 1,429 |
| Average total loans | $307,792,000 | 1,669 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2767% | 878 |
| Cost of funding earning assets | 0.1027% | 4,364 |
| Net interest margin | 4.1740% | 512 |
| Noninterest income to average assets | 0.1423% | 4,444 |
| Noninterest expense to average assets | 1.6697% | 4,336 |
| Loan and lease loss provision to assets | 0.2795% | 306 |
| Net operating income to assets | 2.2276% | 233 |
| Return on assets (ROA) | 2.2276% | 242 |
| Pretax return on assets | 2.2276% | 392 |
| Return on Equity (ROE) | 16.7209% | 637 |
| Retained earnings to average equity (ytd only) | 13.9233% | 312 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9755% | 4,690 |
| Assets per employee ($millions) | 15.6792% | 187 |
| Cash dividends to net income (ytd only)* | 16.7312% | 3,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9957% | 609 |
| Loan loss allowance to noncurrent loans | 1,133.1532% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 3,020 |
| Noncurrent loans to loans | 0.1761% | 3,063 |
| Net loans and leases to total assets | 72.9545% | 757 |
| Net loans and leases to deposits | 88.3085% | 635 |
| Net loans and leases to core deposits | 90.0788% | 967 |
| Total domestic deposits to total assets | 82.6132% | 3,881 |
| Equity capital to assets | 14.9105% | 504 |
| Core capital (leverage) ratio | 14.5610% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $429,296,800 | 1,897 |
| Average earning assets | $414,949,400 | 1,854 |
| Average equity | $57,192,000 | 1,576 |
| Average total loans | $305,913,200 | 1,683 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2550% | 1,024 |
| Cost of funding earning assets | 0.1075% | 4,444 |
| Net interest margin | 4.1475% | 602 |
| Noninterest income to average assets | 0.1120% | 4,619 |
| Noninterest expense to average assets | 1.6193% | 4,445 |
| Loan and lease loss provision to assets | 0.2786% | 301 |
| Net operating income to assets | 2.2269% | 307 |
| Return on assets (ROA) | 2.2269% | 325 |
| Pretax return on assets | 2.2269% | 520 |
| Return on Equity (ROE) | 17.2199% | 738 |
| Retained earnings to average equity (ytd only) | 17.2199% | 227 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2586% | 4,743 |
| Assets per employee ($millions) | 15.3314% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0044% | 621 |
| Loan loss allowance to noncurrent loans | 280.7782% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 1,584 |
| Noncurrent loans to loans | 0.7139% | 1,558 |
| Net loans and leases to total assets | 65.8572% | 1,568 |
| Net loans and leases to deposits | 79.0239% | 1,381 |
| Net loans and leases to core deposits | 80.7738% | 1,673 |
| Total domestic deposits to total assets | 83.3383% | 3,622 |
| Equity capital to assets | 14.1170% | 709 |
| Core capital (leverage) ratio | 13.6776% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $430,786,250 | 1,910 |
| Average earning assets | $416,783,000 | 1,866 |
| Average equity | $55,709,500 | 1,633 |
| Average total loans | $303,608,000 | 1,723 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2545% | 1,085 |
| Cost of funding earning assets | 0.1159% | 4,470 |
| Net interest margin | 4.1386% | 643 |
| Noninterest income to average assets | 0.1089% | 4,656 |
| Noninterest expense to average assets | 1.6054% | 4,501 |
| Loan and lease loss provision to assets | 0.2816% | 321 |
| Net operating income to assets | 2.2268% | 323 |
| Return on assets (ROA) | 2.2282% | 342 |
| Pretax return on assets | 2.2282% | 551 |
| Return on Equity (ROE) | 17.7970% | 676 |
| Retained earnings to average equity (ytd only) | 17.7970% | 231 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0258% | 4,775 |
| Assets per employee ($millions) | 16.1189% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8458% | 819 |
| Loan loss allowance to noncurrent loans | 984.2561% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 3,382 |
| Noncurrent loans to loans | 0.1875% | 3,296 |
| Net loans and leases to total assets | 67.0296% | 1,577 |
| Net loans and leases to deposits | 80.3167% | 1,398 |
| Net loans and leases to core deposits | 82.1951% | 1,706 |
| Total domestic deposits to total assets | 83.4566% | 3,589 |
| Equity capital to assets | 13.3477% | 857 |
| Core capital (leverage) ratio | 13.5484% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $426,177,667 | 1,922 |
| Average earning assets | $412,409,000 | 1,871 |
| Average equity | $53,357,333 | 1,684 |
| Average total loans | $305,211,333 | 1,717 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3750% | 937 |
| Cost of funding earning assets | 0.1281% | 4,475 |
| Net interest margin | 4.2469% | 560 |
| Noninterest income to average assets | 0.1103% | 4,643 |
| Noninterest expense to average assets | 1.6837% | 4,406 |
| Loan and lease loss provision to assets | 0.2901% | 335 |
| Net operating income to assets | 2.2418% | 388 |
| Return on assets (ROA) | 2.2418% | 423 |
| Pretax return on assets | 2.2418% | 643 |
| Return on Equity (ROE) | 18.5756% | 661 |
| Retained earnings to average equity (ytd only) | 18.5756% | 336 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9404% | 4,743 |
| Assets per employee ($millions) | 15.7735% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7078% | 1,029 |
| Loan loss allowance to noncurrent loans | 757.9466% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 3,304 |
| Noncurrent loans to loans | 0.2253% | 3,294 |
| Net loans and leases to total assets | 75.6282% | 666 |
| Net loans and leases to deposits | 91.2925% | 631 |
| Net loans and leases to core deposits | 93.1269% | 1,036 |
| Total domestic deposits to total assets | 82.8417% | 3,728 |
| Equity capital to assets | 12.3976% | 1,118 |
| Core capital (leverage) ratio | 12.3076% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $413,602,000 | 1,948 |
| Average earning assets | $399,818,000 | 1,904 |
| Average equity | $49,915,000 | 1,763 |
| Average total loans | $303,710,500 | 1,727 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4132% | 1,549 |
| Cost of funding earning assets | 0.3632% | 3,799 |
| Net interest margin | 4.0500% | 877 |
| Noninterest income to average assets | 0.1238% | 4,656 |
| Noninterest expense to average assets | 1.6393% | 4,677 |
| Loan and lease loss provision to assets | 0.2601% | 1,492 |
| Net operating income to assets | 2.1217% | 210 |
| Return on assets (ROA) | 2.1217% | 227 |
| Pretax return on assets | 2.1217% | 351 |
| Return on Equity (ROE) | 16.1290% | 489 |
| Retained earnings to average equity (ytd only) | 3.3681% | 3,142 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7679% | 4,854 |
| Assets per employee ($millions) | 16.6838% | 135 |
| Cash dividends to net income (ytd only)* | 79.1180% | 661 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7436% | 958 |
| Loan loss allowance to noncurrent loans | 706.8056% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 2,987 |
| Noncurrent loans to loans | 0.2467% | 3,312 |
| Net loans and leases to total assets | 68.7576% | 1,728 |
| Net loans and leases to deposits | 79.9512% | 1,870 |
| Net loans and leases to core deposits | 81.3724% | 2,243 |
| Total domestic deposits to total assets | 85.9996% | 2,368 |
| Equity capital to assets | 11.7446% | 1,706 |
| Core capital (leverage) ratio | 12.2543% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $363,385,800 | 1,989 |
| Average earning assets | $349,679,200 | 1,938 |
| Average equity | $47,802,000 | 1,762 |
| Average total loans | $256,151,000 | 1,894 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4385% | 1,744 |
| Cost of funding earning assets | 0.4321% | 3,629 |
| Net interest margin | 4.0063% | 1,101 |
| Noninterest income to average assets | 0.1261% | 4,661 |
| Noninterest expense to average assets | 1.6436% | 4,688 |
| Loan and lease loss provision to assets | 0.2457% | 1,650 |
| Net operating income to assets | 2.0871% | 247 |
| Return on assets (ROA) | 2.0871% | 268 |
| Pretax return on assets | 2.0871% | 428 |
| Return on Equity (ROE) | 15.3745% | 634 |
| Retained earnings to average equity (ytd only) | 2.4642% | 3,759 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3337% | 4,863 |
| Assets per employee ($millions) | 14.7199% | 175 |
| Cash dividends to net income (ytd only)* | 83.9723% | 510 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7253% | 851 |
| Loan loss allowance to noncurrent loans | 370.0927% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 2,788 |
| Noncurrent loans to loans | 0.4662% | 2,657 |
| Net loans and leases to total assets | 71.2752% | 1,775 |
| Net loans and leases to deposits | 84.1686% | 1,890 |
| Net loans and leases to core deposits | 86.5066% | 2,276 |
| Total domestic deposits to total assets | 84.6814% | 2,560 |
| Equity capital to assets | 12.6715% | 1,342 |
| Core capital (leverage) ratio | 12.3656% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5919% | 959 |
| Memoranda: |
| Average total assets | $349,958,750 | 2,030 |
| Average earning assets | $336,324,500 | 1,975 |
| Average equity | $47,506,000 | 1,761 |
| Average total loans | $247,220,500 | 1,936 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4884% | 1,947 |
| Cost of funding earning assets | 0.5141% | 3,445 |
| Net interest margin | 3.9743% | 1,392 |
| Noninterest income to average assets | 0.1280% | 4,662 |
| Noninterest expense to average assets | 1.6618% | 4,721 |
| Loan and lease loss provision to assets | 0.2035% | 2,018 |
| Net operating income to assets | 2.0800% | 279 |
| Return on assets (ROA) | 2.0800% | 315 |
| Pretax return on assets | 2.0800% | 468 |
| Return on Equity (ROE) | 14.9483% | 715 |
| Retained earnings to average equity (ytd only) | 1.8060% | 3,830 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1202% | 4,862 |
| Assets per employee ($millions) | 15.0402% | 169 |
| Cash dividends to net income (ytd only)* | 87.9183% | 626 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6776% | 857 |
| Loan loss allowance to noncurrent loans | 528.1176% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 3,422 |
| Noncurrent loans to loans | 0.3177% | 3,248 |
| Net loans and leases to total assets | 69.9693% | 2,035 |
| Net loans and leases to deposits | 83.8405% | 2,012 |
| Net loans and leases to core deposits | 86.3816% | 2,406 |
| Total domestic deposits to total assets | 83.4553% | 2,940 |
| Equity capital to assets | 12.8137% | 1,233 |
| Core capital (leverage) ratio | 13.8479% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $339,039,000 | 2,054 |
| Average earning assets | $325,640,000 | 1,994 |
| Average equity | $47,176,000 | 1,759 |
| Average total loans | $237,103,333 | 1,972 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6365% | 1,889 |
| Cost of funding earning assets | 0.6427% | 3,203 |
| Net interest margin | 3.9939% | 1,405 |
| Noninterest income to average assets | 0.1373% | 4,678 |
| Noninterest expense to average assets | 1.7108% | 4,767 |
| Loan and lease loss provision to assets | 0.0562% | 3,060 |
| Net operating income to assets | 2.2012% | 181 |
| Return on assets (ROA) | 2.2012% | 199 |
| Pretax return on assets | 2.2012% | 294 |
| Return on Equity (ROE) | 15.1176% | 535 |
| Retained earnings to average equity (ytd only) | 1.4055% | 3,631 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1132% | 4,908 |
| Assets per employee ($millions) | 14.2392% | 150 |
| Cash dividends to net income (ytd only)* | 90.7029% | 852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7849% | 730 |
| Loan loss allowance to noncurrent loans | 573.8356% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 3,577 |
| Noncurrent loans to loans | 0.3110% | 3,380 |
| Net loans and leases to total assets | 70.3831% | 2,190 |
| Net loans and leases to deposits | 86.7702% | 1,903 |
| Net loans and leases to core deposits | 90.0375% | 2,337 |
| Total domestic deposits to total assets | 81.1143% | 3,638 |
| Equity capital to assets | 14.2228% | 994 |
| Core capital (leverage) ratio | 14.5611% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $320,556,000 | 2,089 |
| Average earning assets | $307,470,500 | 2,038 |
| Average equity | $46,674,000 | 1,768 |
| Average total loans | $221,866,500 | 2,039 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9941% | 1,499 |
| Cost of funding earning assets | 0.7944% | 2,714 |
| Net interest margin | 4.1997% | 1,325 |
| Noninterest income to average assets | 0.1386% | 4,784 |
| Noninterest expense to average assets | 1.7120% | 4,859 |
| Loan and lease loss provision to assets | 0.0793% | 2,410 |
| Net operating income to assets | 2.3741% | 162 |
| Return on assets (ROA) | 2.3741% | 171 |
| Pretax return on assets | 2.3741% | 260 |
| Return on Equity (ROE) | 16.6777% | 458 |
| Retained earnings to average equity (ytd only) | 7.7675% | 1,052 |
| Net charge-offs to loans | 0.0029% | 3,580 |
| Credit loss provision to net charge-offs | 4,166.6667% | 101 |
| Earnings coverage of net charge-offs (x) | 1,289.5000% | 74 |
| Efficiency ratio | 41.1008% | 5,045 |
| Assets per employee ($millions) | 13.0671% | 179 |
| Cash dividends to net income (ytd only)* | 53.4259% | 1,860 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9824% | 471 |
| Loan loss allowance to noncurrent loans | 701.1844% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 3,708 |
| Noncurrent loans to loans | 0.2827% | 3,430 |
| Net loans and leases to total assets | 65.3340% | 3,035 |
| Net loans and leases to deposits | 78.5164% | 2,955 |
| Net loans and leases to core deposits | 81.4261% | 3,188 |
| Total domestic deposits to total assets | 83.2107% | 3,132 |
| Equity capital to assets | 14.9128% | 816 |
| Core capital (leverage) ratio | 14.4816% | 806 |
| Tier 1 risk-based capital ratio | 20.2956% | 1,281 |
| Total risk-based capital ratio | 21.5527% | 1,255 |
| Memoranda: |
| Average total assets | $315,367,200 | 2,070 |
| Average earning assets | $302,378,400 | 2,007 |
| Average equity | $44,892,200 | 1,761 |
| Average total loans | $206,469,400 | 2,117 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9812% | 1,588 |
| Cost of funding earning assets | 0.8026% | 2,704 |
| Net interest margin | 4.1786% | 1,419 |
| Noninterest income to average assets | 0.1397% | 4,837 |
| Noninterest expense to average assets | 1.7040% | 4,918 |
| Loan and lease loss provision to assets | 0.0633% | 2,624 |
| Net operating income to assets | 2.3795% | 198 |
| Return on assets (ROA) | 2.3795% | 207 |
| Pretax return on assets | 2.3795% | 320 |
| Return on Equity (ROE) | 16.9156% | 485 |
| Retained earnings to average equity (ytd only) | 7.9116% | 1,437 |
| Net charge-offs to loans | -0.0006% | 3,980 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0914% | 5,101 |
| Assets per employee ($millions) | 12.8236% | 177 |
| Cash dividends to net income (ytd only)* | 53.2292% | 1,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9152% | 547 |
| Loan loss allowance to noncurrent loans | 610.0904% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 3,739 |
| Noncurrent loans to loans | 0.3139% | 3,403 |
| Net loans and leases to total assets | 64.7153% | 3,213 |
| Net loans and leases to deposits | 77.4760% | 3,155 |
| Net loans and leases to core deposits | 79.8035% | 3,403 |
| Total domestic deposits to total assets | 83.5294% | 2,984 |
| Equity capital to assets | 14.3236% | 1,035 |
| Core capital (leverage) ratio | 14.1315% | 950 |
| Tier 1 risk-based capital ratio | 19.9376% | 1,368 |
| Total risk-based capital ratio | 21.1939% | 1,343 |
| Memoranda: |
| Average total assets | $315,806,500 | 2,075 |
| Average earning assets | $302,835,250 | 2,020 |
| Average equity | $44,423,250 | 1,781 |
| Average total loans | $205,827,250 | 2,140 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1538% | 1,093 |
| Cost of funding earning assets | 0.8004% | 2,640 |
| Net interest margin | 4.3534% | 1,033 |
| Noninterest income to average assets | 0.1248% | 4,948 |
| Noninterest expense to average assets | 1.7059% | 4,972 |
| Loan and lease loss provision to assets | 0.0955% | 1,943 |
| Net operating income to assets | 2.5021% | 153 |
| Return on assets (ROA) | 2.5021% | 157 |
| Pretax return on assets | 2.5021% | 240 |
| Return on Equity (ROE) | 17.8990% | 385 |
| Retained earnings to average equity (ytd only) | 8.7924% | 1,097 |
| Net charge-offs to loans | -0.0010% | 3,897 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6391% | 5,172 |
| Assets per employee ($millions) | 13.2973% | 156 |
| Cash dividends to net income (ytd only)* | 50.8776% | 1,746 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1146% | 385 |
| Loan loss allowance to noncurrent loans | 528.1617% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 3,610 |
| Noncurrent loans to loans | 0.4004% | 3,094 |
| Net loans and leases to total assets | 58.7593% | 3,845 |
| Net loans and leases to deposits | 70.7339% | 3,785 |
| Net loans and leases to core deposits | 72.2968% | 3,986 |
| Total domestic deposits to total assets | 83.0709% | 3,173 |
| Equity capital to assets | 14.1739% | 1,062 |
| Core capital (leverage) ratio | 14.1662% | 916 |
| Tier 1 risk-based capital ratio | 21.1358% | 1,160 |
| Total risk-based capital ratio | 22.3938% | 1,143 |
| Memoranda: |
| Average total assets | $314,212,330 | 2,091 |
| Average earning assets | $301,603,670 | 2,028 |
| Average equity | $43,924,330 | 1,794 |
| Average total loans | $203,929,330 | 2,159 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2459% | 830 |
| Cost of funding earning assets | 0.7819% | 2,634 |
| Net interest margin | 4.4640% | 796 |
| Noninterest income to average assets | 0.1347% | 4,925 |
| Noninterest expense to average assets | 1.7206% | 5,001 |
| Loan and lease loss provision to assets | 0.0962% | 1,821 |
| Net operating income to assets | 2.6034% | 138 |
| Return on assets (ROA) | 2.6034% | 146 |
| Pretax return on assets | 2.6034% | 211 |
| Return on Equity (ROE) | 18.7569% | 342 |
| Retained earnings to average equity (ytd only) | 9.5125% | 1,157 |
| Net charge-offs to loans | -0.0019% | 3,851 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9260% | 5,227 |
| Assets per employee ($millions) | 13.5655% | 147 |
| Cash dividends to net income (ytd only)* | 49.2854% | 1,649 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8963% | 592 |
| Loan loss allowance to noncurrent loans | 668.2353% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 3,867 |
| Noncurrent loans to loans | 0.2838% | 3,545 |
| Net loans and leases to total assets | 65.9264% | 3,063 |
| Net loans and leases to deposits | 79.5353% | 2,887 |
| Net loans and leases to core deposits | 81.3500% | 3,237 |
| Total domestic deposits to total assets | 82.8895% | 3,424 |
| Equity capital to assets | 14.0795% | 1,009 |
| Core capital (leverage) ratio | 14.0344% | 940 |
| Tier 1 risk-based capital ratio | 19.6418% | 1,414 |
| Total risk-based capital ratio | 20.8980% | 1,389 |
| Memoranda: |
| Average total assets | $311,750,500 | 2,116 |
| Average earning assets | $299,283,000 | 2,052 |
| Average equity | $43,269,500 | 1,810 |
| Average total loans | $210,107,500 | 2,135 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7188% | 1,760 |
| Cost of funding earning assets | 0.5983% | 2,735 |
| Net interest margin | 4.1205% | 1,616 |
| Noninterest income to average assets | 0.1433% | 4,995 |
| Noninterest expense to average assets | 1.6432% | 5,140 |
| Loan and lease loss provision to assets | 0.1341% | 1,615 |
| Net operating income to assets | 2.3261% | 207 |
| Return on assets (ROA) | 2.2933% | 210 |
| Pretax return on assets | 2.2933% | 298 |
| Return on Equity (ROE) | 17.8447% | 408 |
| Retained earnings to average equity (ytd only) | 8.0224% | 1,224 |
| Net charge-offs to loans | -0.0005% | 4,161 |
| Credit loss provision to net charge-offs | -42,500.0000% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0446% | 5,282 |
| Assets per employee ($millions) | 13.5432% | 135 |
| Cash dividends to net income (ytd only)* | 55.0433% | 1,726 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8523% | 620 |
| Loan loss allowance to noncurrent loans | 653.2663% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,860 |
| Noncurrent loans to loans | 0.2836% | 3,549 |
| Net loans and leases to total assets | 66.3396% | 3,080 |
| Net loans and leases to deposits | 79.7835% | 2,979 |
| Net loans and leases to core deposits | 81.5518% | 3,297 |
| Total domestic deposits to total assets | 83.1496% | 3,279 |
| Equity capital to assets | 13.6792% | 1,076 |
| Core capital (leverage) ratio | 13.1085% | 1,202 |
| Tier 1 risk-based capital ratio | 18.7678% | 1,555 |
| Total risk-based capital ratio | 20.0236% | 1,519 |
| Memoranda: |
| Average total assets | $316,886,200 | 2,058 |
| Average earning assets | $304,548,200 | 1,998 |
| Average equity | $40,723,600 | 1,826 |
| Average total loans | $204,642,200 | 2,141 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6221% | 1,919 |
| Cost of funding earning assets | 0.5327% | 2,974 |
| Net interest margin | 4.0894% | 1,659 |
| Noninterest income to average assets | 0.1404% | 5,072 |
| Noninterest expense to average assets | 1.6767% | 5,156 |
| Loan and lease loss provision to assets | 0.1047% | 1,918 |
| Net operating income to assets | 2.2892% | 235 |
| Return on assets (ROA) | 2.2892% | 235 |
| Pretax return on assets | 2.2892% | 349 |
| Return on Equity (ROE) | 18.0989% | 418 |
| Retained earnings to average equity (ytd only) | 8.1617% | 1,575 |
| Net charge-offs to loans | -0.0007% | 4,001 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1898% | 5,301 |
| Assets per employee ($millions) | 14.0676% | 119 |
| Cash dividends to net income (ytd only)* | 54.9048% | 1,409 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7905% | 738 |
| Loan loss allowance to noncurrent loans | 622.9097% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 4,013 |
| Noncurrent loans to loans | 0.2874% | 3,655 |
| Net loans and leases to total assets | 63.1496% | 3,525 |
| Net loans and leases to deposits | 76.9387% | 3,333 |
| Net loans and leases to core deposits | 78.5960% | 3,613 |
| Total domestic deposits to total assets | 82.0778% | 3,587 |
| Equity capital to assets | 12.7935% | 1,424 |
| Core capital (leverage) ratio | 12.8054% | 1,362 |
| Tier 1 risk-based capital ratio | 19.2534% | 1,482 |
| Total risk-based capital ratio | 20.5091% | 1,448 |
| Memoranda: |
| Average total assets | $318,234,250 | 2,067 |
| Average earning assets | $305,856,000 | 2,002 |
| Average equity | $40,252,000 | 1,844 |
| Average total loans | $203,166,750 | 2,159 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6182% | 1,728 |
| Cost of funding earning assets | 0.4859% | 3,124 |
| Net interest margin | 4.1322% | 1,464 |
| Noninterest income to average assets | 0.1340% | 5,139 |
| Noninterest expense to average assets | 1.6880% | 5,209 |
| Loan and lease loss provision to assets | 0.1106% | 1,783 |
| Net operating income to assets | 2.3068% | 206 |
| Return on assets (ROA) | 2.3068% | 199 |
| Pretax return on assets | 2.3068% | 325 |
| Return on Equity (ROE) | 18.3089% | 391 |
| Retained earnings to average equity (ytd only) | 8.2766% | 1,501 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1176% | 5,374 |
| Assets per employee ($millions) | 12.5591% | 170 |
| Cash dividends to net income (ytd only)* | 54.7945% | 1,505 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8144% | 738 |
| Loan loss allowance to noncurrent loans | 608.1667% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 4,059 |
| Noncurrent loans to loans | 0.2983% | 3,630 |
| Net loans and leases to total assets | 60.4733% | 3,764 |
| Net loans and leases to deposits | 73.4138% | 3,588 |
| Net loans and leases to core deposits | 74.7896% | 3,825 |
| Total domestic deposits to total assets | 82.3732% | 3,604 |
| Equity capital to assets | 12.4813% | 1,545 |
| Core capital (leverage) ratio | 12.7510% | 1,327 |
| Tier 1 risk-based capital ratio | 18.9647% | 1,555 |
| Total risk-based capital ratio | 20.2204% | 1,520 |
| Memoranda: |
| Average total assets | $316,461,000 | 2,086 |
| Average earning assets | $304,147,670 | 2,022 |
| Average equity | $39,871,330 | 1,864 |
| Average total loans | $201,539,670 | 2,172 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5309% | 1,775 |
| Cost of funding earning assets | 0.4423% | 3,269 |
| Net interest margin | 4.0887% | 1,469 |
| Noninterest income to average assets | 0.1284% | 5,221 |
| Noninterest expense to average assets | 1.6787% | 5,264 |
| Loan and lease loss provision to assets | 0.0963% | 1,905 |
| Net operating income to assets | 2.2837% | 210 |
| Return on assets (ROA) | 2.2837% | 210 |
| Pretax return on assets | 2.2837% | 331 |
| Return on Equity (ROE) | 18.0375% | 406 |
| Retained earnings to average equity (ytd only) | 7.8927% | 1,881 |
| Net charge-offs to loans | -0.0020% | 3,810 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3608% | 5,421 |
| Assets per employee ($millions) | 13.0174% | 154 |
| Cash dividends to net income (ytd only)* | 56.2430% | 1,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7392% | 880 |
| Loan loss allowance to noncurrent loans | 471.4475% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 3,905 |
| Noncurrent loans to loans | 0.3689% | 3,458 |
| Net loans and leases to total assets | 64.2001% | 3,280 |
| Net loans and leases to deposits | 75.7607% | 3,239 |
| Net loans and leases to core deposits | 76.9354% | 3,586 |
| Total domestic deposits to total assets | 84.7406% | 3,021 |
| Equity capital to assets | 12.7381% | 1,367 |
| Core capital (leverage) ratio | 12.8575% | 1,229 |
| Tier 1 risk-based capital ratio | 19.2668% | 1,483 |
| Total risk-based capital ratio | 20.5223% | 1,447 |
| Memoranda: |
| Average total assets | $311,423,500 | 2,137 |
| Average earning assets | $299,364,000 | 2,065 |
| Average equity | $39,429,000 | 1,894 |
| Average total loans | $201,751,500 | 2,182 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2836% | 2,385 |
| Cost of funding earning assets | 0.3384% | 3,813 |
| Net interest margin | 3.9452% | 1,934 |
| Noninterest income to average assets | 0.1471% | 5,213 |
| Noninterest expense to average assets | 1.7126% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.2229% | 187 |
| Return on assets (ROA) | 2.2229% | 187 |
| Pretax return on assets | 2.2229% | 307 |
| Return on Equity (ROE) | 17.3934% | 360 |
| Retained earnings to average equity (ytd only) | -0.7327% | 5,147 |
| Net charge-offs to loans | 0.1362% | 1,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 26.6133% | 1,665 |
| Efficiency ratio | 43.5168% | 5,467 |
| Assets per employee ($millions) | 12.9346% | 148 |
| Cash dividends to net income (ytd only)* | 104.2125% | 305 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7424% | 874 |
| Loan loss allowance to noncurrent loans | 441.4231% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 3,758 |
| Noncurrent loans to loans | 0.3947% | 3,345 |
| Net loans and leases to total assets | 63.1083% | 3,475 |
| Net loans and leases to deposits | 74.1485% | 3,510 |
| Net loans and leases to core deposits | 75.3984% | 3,786 |
| Total domestic deposits to total assets | 85.1107% | 2,796 |
| Equity capital to assets | 12.5832% | 1,469 |
| Core capital (leverage) ratio | 12.1834% | 1,505 |
| Tier 1 risk-based capital ratio | 18.7973% | 1,562 |
| Total risk-based capital ratio | 20.0522% | 1,518 |
| Memoranda: |
| Average total assets | $306,498,200 | 2,138 |
| Average earning assets | $294,307,600 | 2,075 |
| Average equity | $39,170,000 | 1,891 |
| Average total loans | $187,925,000 | 2,256 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1677% | 2,725 |
| Cost of funding earning assets | 0.3110% | 4,015 |
| Net interest margin | 3.8567% | 2,198 |
| Noninterest income to average assets | 0.1479% | 5,269 |
| Noninterest expense to average assets | 1.6872% | 5,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1628% | 234 |
| Return on assets (ROA) | 2.1628% | 236 |
| Pretax return on assets | 2.1628% | 394 |
| Return on Equity (ROE) | 16.8580% | 446 |
| Retained earnings to average equity (ytd only) | -0.4898% | 5,292 |
| Net charge-offs to loans | 0.1664% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.4547% | 1,915 |
| Efficiency ratio | 43.8223% | 5,485 |
| Assets per employee ($millions) | 13.8689% | 112 |
| Cash dividends to net income (ytd only)* | 102.9056% | 284 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7439% | 954 |
| Loan loss allowance to noncurrent loans | 411.6471% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 3,887 |
| Noncurrent loans to loans | 0.4236% | 3,428 |
| Net loans and leases to total assets | 61.8032% | 3,671 |
| Net loans and leases to deposits | 76.0973% | 3,370 |
| Net loans and leases to core deposits | 77.4209% | 3,689 |
| Total domestic deposits to total assets | 81.2160% | 3,992 |
| Equity capital to assets | 12.4683% | 1,674 |
| Core capital (leverage) ratio | 12.7721% | 1,308 |
| Tier 1 risk-based capital ratio | 18.6726% | 1,685 |
| Total risk-based capital ratio | 19.9279% | 1,630 |
| Memoranda: |
| Average total assets | $305,515,250 | 2,154 |
| Average earning assets | $293,266,750 | 2,092 |
| Average equity | $39,197,000 | 1,906 |
| Average total loans | $185,061,000 | 2,291 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1435% | 2,699 |
| Cost of funding earning assets | 0.2874% | 4,215 |
| Net interest margin | 3.8561% | 2,075 |
| Noninterest income to average assets | 0.1428% | 5,343 |
| Noninterest expense to average assets | 1.7028% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1400% | 244 |
| Return on assets (ROA) | 2.1400% | 248 |
| Pretax return on assets | 2.1400% | 407 |
| Return on Equity (ROE) | 16.5157% | 459 |
| Retained earnings to average equity (ytd only) | -2.9688% | 5,434 |
| Net charge-offs to loans | 0.1623% | 1,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 22.0616% | 1,725 |
| Efficiency ratio | 44.3119% | 5,515 |
| Assets per employee ($millions) | 12.2584% | 164 |
| Cash dividends to net income (ytd only)* | 117.9758% | 308 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0189% | 581 |
| Loan loss allowance to noncurrent loans | 189.7300% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 2,719 |
| Noncurrent loans to loans | 1.0641% | 1,841 |
| Net loans and leases to total assets | 56.7578% | 4,153 |
| Net loans and leases to deposits | 69.2243% | 3,965 |
| Net loans and leases to core deposits | 70.4650% | 4,193 |
| Total domestic deposits to total assets | 81.9911% | 3,891 |
| Equity capital to assets | 12.8147% | 1,465 |
| Core capital (leverage) ratio | 12.8831% | 1,224 |
| Tier 1 risk-based capital ratio | 21.5775% | 1,104 |
| Total risk-based capital ratio | 22.8365% | 1,080 |
| Memoranda: |
| Average total assets | $301,025,330 | 2,185 |
| Average earning assets | $288,840,670 | 2,119 |
| Average equity | $39,005,330 | 1,912 |
| Average total loans | $179,867,330 | 2,339 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1861% | 2,316 |
| Cost of funding earning assets | 0.2712% | 4,346 |
| Net interest margin | 3.9150% | 1,727 |
| Noninterest income to average assets | 0.1395% | 5,413 |
| Noninterest expense to average assets | 1.7150% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1803% | 232 |
| Return on assets (ROA) | 2.1803% | 237 |
| Pretax return on assets | 2.1803% | 366 |
| Return on Equity (ROE) | 16.7318% | 440 |
| Retained earnings to average equity (ytd only) | -8.9936% | 5,557 |
| Net charge-offs to loans | 0.1856% | 919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.3571% | 1,531 |
| Efficiency ratio | 44.0275% | 5,593 |
| Assets per employee ($millions) | 13.0772% | 132 |
| Cash dividends to net income (ytd only)* | 153.7515% | 373 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0179% | 652 |
| Loan loss allowance to noncurrent loans | 357.8018% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 3,494 |
| Noncurrent loans to loans | 0.5640% | 3,116 |
| Net loans and leases to total assets | 58.8588% | 3,901 |
| Net loans and leases to deposits | 71.7058% | 3,636 |
| Net loans and leases to core deposits | 72.9876% | 3,916 |
| Total domestic deposits to total assets | 82.0837% | 4,148 |
| Equity capital to assets | 12.8358% | 1,334 |
| Core capital (leverage) ratio | 13.0156% | 1,136 |
| Tier 1 risk-based capital ratio | 21.6084% | 1,133 |
| Total risk-based capital ratio | 22.8681% | 1,111 |
| Memoranda: |
| Average total assets | $298,308,000 | 2,218 |
| Average earning assets | $286,185,000 | 2,155 |
| Average equity | $38,872,000 | 1,929 |
| Average total loans | $181,039,000 | 2,354 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0565% | 2,999 |
| Cost of funding earning assets | 0.1868% | 5,140 |
| Net interest margin | 3.8697% | 2,068 |
| Noninterest income to average assets | 0.1399% | 5,486 |
| Noninterest expense to average assets | 1.7027% | 5,566 |
| Loan and lease loss provision to assets | -0.1715% | 5,758 |
| Net operating income to assets | 2.3184% | 192 |
| Return on assets (ROA) | 2.3184% | 200 |
| Pretax return on assets | 2.3184% | 266 |
| Return on Equity (ROE) | 17.7902% | 342 |
| Retained earnings to average equity (ytd only) | 4.1034% | 2,988 |
| Net charge-offs to loans | -0.0012% | 4,662 |
| Credit loss provision to net charge-offs | 25,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2306% | 5,690 |
| Assets per employee ($millions) | 12.3267% | 158 |
| Cash dividends to net income (ytd only)* | 76.9345% | 1,023 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0562% | 594 |
| Loan loss allowance to noncurrent loans | 145.4191% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 2,179 |
| Noncurrent loans to loans | 1.4140% | 1,437 |
| Net loans and leases to total assets | 60.0558% | 3,843 |
| Net loans and leases to deposits | 71.3725% | 3,771 |
| Net loans and leases to core deposits | 72.6368% | 4,041 |
| Total domestic deposits to total assets | 84.1441% | 3,375 |
| Equity capital to assets | 13.2291% | 1,163 |
| Core capital (leverage) ratio | 13.1494% | 1,082 |
| Tier 1 risk-based capital ratio | 21.5118% | 1,138 |
| Total risk-based capital ratio | 22.7714% | 1,121 |
| Memoranda: |
| Average total assets | $291,542,800 | 2,217 |
| Average earning assets | $279,477,400 | 2,157 |
| Average equity | $37,992,800 | 1,926 |
| Average total loans | $170,644,800 | 2,407 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9499% | 3,424 |
| Cost of funding earning assets | 0.1801% | 5,261 |
| Net interest margin | 3.7697% | 2,451 |
| Noninterest income to average assets | 0.1400% | 5,558 |
| Noninterest expense to average assets | 1.7360% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0160% | 335 |
| Return on assets (ROA) | 2.0160% | 346 |
| Pretax return on assets | 2.0160% | 549 |
| Return on Equity (ROE) | 15.5300% | 606 |
| Retained earnings to average equity (ytd only) | -2.8571% | 5,644 |
| Net charge-offs to loans | -0.0016% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2687% | 5,659 |
| Assets per employee ($millions) | 13.1567% | 125 |
| Cash dividends to net income (ytd only)* | 118.3972% | 239 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3884% | 386 |
| Loan loss allowance to noncurrent loans | 150.2131% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 2,238 |
| Noncurrent loans to loans | 1.5900% | 1,361 |
| Net loans and leases to total assets | 57.1286% | 4,182 |
| Net loans and leases to deposits | 69.5218% | 4,024 |
| Net loans and leases to core deposits | 70.7536% | 4,266 |
| Total domestic deposits to total assets | 82.1737% | 3,890 |
| Equity capital to assets | 12.4143% | 1,833 |
| Core capital (leverage) ratio | 12.6911% | 1,315 |
| Tier 1 risk-based capital ratio | 20.4232% | 1,370 |
| Total risk-based capital ratio | 21.6863% | 1,331 |
| Memoranda: |
| Average total assets | $290,468,500 | 2,228 |
| Average earning assets | $278,315,000 | 2,169 |
| Average equity | $37,706,750 | 1,950 |
| Average total loans | $167,956,250 | 2,439 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9139% | 3,562 |
| Cost of funding earning assets | 0.1751% | 5,367 |
| Net interest margin | 3.7388% | 2,557 |
| Noninterest income to average assets | 0.1089% | 5,747 |
| Noninterest expense to average assets | 1.7652% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9223% | 385 |
| Return on assets (ROA) | 1.9223% | 402 |
| Pretax return on assets | 1.9223% | 668 |
| Return on Equity (ROE) | 14.5840% | 734 |
| Retained earnings to average equity (ytd only) | -5.0167% | 5,746 |
| Net charge-offs to loans | 0.0121% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 275.3000% | 248 |
| Efficiency ratio | 47.8697% | 5,672 |
| Assets per employee ($millions) | 13.1334% | 123 |
| Cash dividends to net income (ytd only)* | 134.3988% | 264 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5270% | 353 |
| Loan loss allowance to noncurrent loans | 124.4615% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.1729% | 1,789 |
| Noncurrent loans to loans | 2.0304% | 974 |
| Net loans and leases to total assets | 56.3092% | 4,272 |
| Net loans and leases to deposits | 66.4976% | 4,307 |
| Net loans and leases to core deposits | 67.6945% | 4,499 |
| Total domestic deposits to total assets | 84.6786% | 3,011 |
| Equity capital to assets | 12.9922% | 1,506 |
| Core capital (leverage) ratio | 12.9389% | 1,176 |
| Tier 1 risk-based capital ratio | 22.5074% | 1,077 |
| Total risk-based capital ratio | 23.7736% | 1,059 |
| Memoranda: |
| Average total assets | $286,423,670 | 2,259 |
| Average earning assets | $274,150,670 | 2,210 |
| Average equity | $37,753,670 | 1,953 |
| Average total loans | $164,907,330 | 2,475 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9711% | 3,327 |
| Cost of funding earning assets | 0.1659% | 5,500 |
| Net interest margin | 3.8052% | 2,264 |
| Noninterest income to average assets | 0.1108% | 5,787 |
| Noninterest expense to average assets | 1.7407% | 5,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9792% | 351 |
| Return on assets (ROA) | 1.9792% | 369 |
| Pretax return on assets | 2.0058% | 559 |
| Return on Equity (ROE) | 14.9072% | 686 |
| Retained earnings to average equity (ytd only) | -10.4487% | 5,823 |
| Net charge-offs to loans | 0.0268% | 2,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 449 |
| Efficiency ratio | 46.4620% | 5,792 |
| Assets per employee ($millions) | 13.4636% | 108 |
| Cash dividends to net income (ytd only)* | 170.0921% | 324 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5481% | 371 |
| Loan loss allowance to noncurrent loans | 124.4687% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1983% | 1,822 |
| Noncurrent loans to loans | 2.0472% | 1,034 |
| Net loans and leases to total assets | 57.0428% | 4,144 |
| Net loans and leases to deposits | 67.9011% | 4,070 |
| Net loans and leases to core deposits | 69.2165% | 4,298 |
| Total domestic deposits to total assets | 84.0087% | 3,515 |
| Equity capital to assets | 13.2474% | 1,295 |
| Core capital (leverage) ratio | 13.0787% | 1,128 |
| Tier 1 risk-based capital ratio | 23.8919% | 924 |
| Total risk-based capital ratio | 25.1602% | 913 |
| Memoranda: |
| Average total assets | $285,168,000 | 2,277 |
| Average earning assets | $272,469,500 | 2,221 |
| Average equity | $37,861,000 | 1,939 |
| Average total loans | $163,903,500 | 2,481 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8425% | 3,913 |
| Cost of funding earning assets | 0.1514% | 5,674 |
| Net interest margin | 3.6911% | 2,783 |
| Noninterest income to average assets | 0.1368% | 5,729 |
| Noninterest expense to average assets | 1.6666% | 5,874 |
| Loan and lease loss provision to assets | 0.0691% | 2,911 |
| Net operating income to assets | 1.9219% | 394 |
| Return on assets (ROA) | 1.9219% | 404 |
| Pretax return on assets | 1.9219% | 638 |
| Return on Equity (ROE) | 15.3503% | 635 |
| Retained earnings to average equity (ytd only) | 9.1429% | 624 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5662% | 5,941 |
| Assets per employee ($millions) | 13.0728% | 116 |
| Cash dividends to net income (ytd only)* | 40.4385% | 2,818 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6049% | 351 |
| Loan loss allowance to noncurrent loans | 121.6341% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.2086% | 1,791 |
| Noncurrent loans to loans | 2.1416% | 947 |
| Net loans and leases to total assets | 54.9657% | 4,396 |
| Net loans and leases to deposits | 64.7951% | 4,412 |
| Net loans and leases to core deposits | 65.8261% | 4,610 |
| Total domestic deposits to total assets | 84.8300% | 3,158 |
| Equity capital to assets | 13.3056% | 1,208 |
| Core capital (leverage) ratio | 12.8990% | 1,187 |
| Tier 1 risk-based capital ratio | 23.9841% | 928 |
| Total risk-based capital ratio | 25.2513% | 916 |
| Memoranda: |
| Average total assets | $289,509,200 | 2,211 |
| Average earning assets | $276,151,000 | 2,160 |
| Average equity | $36,246,800 | 1,965 |
| Average total loans | $165,061,200 | 2,401 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7628% | 4,210 |
| Cost of funding earning assets | 0.1495% | 5,784 |
| Net interest margin | 3.6134% | 3,103 |
| Noninterest income to average assets | 0.1241% | 5,851 |
| Noninterest expense to average assets | 1.7154% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8548% | 462 |
| Return on assets (ROA) | 1.8548% | 484 |
| Pretax return on assets | 1.8548% | 794 |
| Return on Equity (ROE) | 15.0483% | 721 |
| Retained earnings to average equity (ytd only) | 6.6550% | 1,862 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0489% | 5,867 |
| Assets per employee ($millions) | 12.8672% | 123 |
| Cash dividends to net income (ytd only)* | 55.7760% | 1,618 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3575% | 533 |
| Loan loss allowance to noncurrent loans | 110.9031% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 1,915 |
| Noncurrent loans to loans | 2.1257% | 1,055 |
| Net loans and leases to total assets | 56.3718% | 4,310 |
| Net loans and leases to deposits | 66.3419% | 4,352 |
| Net loans and leases to core deposits | 69.9919% | 4,371 |
| Total domestic deposits to total assets | 84.9716% | 3,026 |
| Equity capital to assets | 12.4208% | 1,787 |
| Core capital (leverage) ratio | 12.4995% | 1,416 |
| Tier 1 risk-based capital ratio | 21.7185% | 1,234 |
| Total risk-based capital ratio | 22.9824% | 1,207 |
| Memoranda: |
| Average total assets | $289,986,250 | 2,223 |
| Average earning assets | $276,557,750 | 2,175 |
| Average equity | $35,741,750 | 2,003 |
| Average total loans | $165,749,000 | 2,417 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7294% | 4,317 |
| Cost of funding earning assets | 0.1501% | 5,846 |
| Net interest margin | 3.5793% | 3,168 |
| Noninterest income to average assets | 0.1188% | 5,949 |
| Noninterest expense to average assets | 1.6993% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8313% | 484 |
| Return on assets (ROA) | 1.8313% | 507 |
| Pretax return on assets | 1.8313% | 845 |
| Return on Equity (ROE) | 14.8972% | 751 |
| Retained earnings to average equity (ytd only) | 5.5759% | 2,487 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1314% | 5,951 |
| Assets per employee ($millions) | 12.7398% | 123 |
| Cash dividends to net income (ytd only)* | 62.5711% | 1,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4507% | 512 |
| Loan loss allowance to noncurrent loans | 105.0052% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 1,924 |
| Noncurrent loans to loans | 2.3339% | 1,004 |
| Net loans and leases to total assets | 54.7189% | 4,480 |
| Net loans and leases to deposits | 63.9697% | 4,542 |
| Net loans and leases to core deposits | 67.5009% | 4,533 |
| Total domestic deposits to total assets | 85.5387% | 2,902 |
| Equity capital to assets | 12.2625% | 1,834 |
| Core capital (leverage) ratio | 12.4355% | 1,411 |
| Tier 1 risk-based capital ratio | 23.5987% | 995 |
| Total risk-based capital ratio | 24.8660% | 980 |
| Memoranda: |
| Average total assets | $287,999,670 | 2,250 |
| Average earning assets | $274,524,670 | 2,200 |
| Average equity | $35,402,670 | 2,031 |
| Average total loans | $164,046,000 | 2,441 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7773% | 4,106 |
| Cost of funding earning assets | 0.1542% | 5,897 |
| Net interest margin | 3.6231% | 2,915 |
| Noninterest income to average assets | 0.0925% | 6,117 |
| Noninterest expense to average assets | 1.6813% | 6,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8677% | 428 |
| Return on assets (ROA) | 1.8677% | 455 |
| Pretax return on assets | 1.8677% | 762 |
| Return on Equity (ROE) | 15.1742% | 686 |
| Retained earnings to average equity (ytd only) | 2.6524% | 4,358 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3747% | 6,049 |
| Assets per employee ($millions) | 12.9174% | 117 |
| Cash dividends to net income (ytd only)* | 82.5206% | 931 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4460% | 572 |
| Loan loss allowance to noncurrent loans | 45.0509% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 3.1462% | 575 |
| Noncurrent loans to loans | 5.4295% | 218 |
| Net loans and leases to total assets | 56.5294% | 4,147 |
| Net loans and leases to deposits | 66.5737% | 4,097 |
| Net loans and leases to core deposits | 70.4234% | 4,114 |
| Total domestic deposits to total assets | 84.9125% | 3,451 |
| Equity capital to assets | 12.4233% | 1,739 |
| Core capital (leverage) ratio | 12.3307% | 1,437 |
| Tier 1 risk-based capital ratio | 21.5149% | 1,321 |
| Total risk-based capital ratio | 22.7647% | 1,296 |
| Memoranda: |
| Average total assets | $285,491,500 | 2,283 |
| Average earning assets | $272,366,000 | 2,233 |
| Average equity | $35,138,500 | 2,058 |
| Average total loans | $163,887,500 | 2,447 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5652% | 5,177 |
| Cost of funding earning assets | 0.1539% | 6,075 |
| Net interest margin | 3.4113% | 4,153 |
| Noninterest income to average assets | 0.1605% | 5,902 |
| Noninterest expense to average assets | 1.5730% | 6,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8443% | 434 |
| Return on assets (ROA) | 1.8443% | 450 |
| Pretax return on assets | 1.8443% | 721 |
| Return on Equity (ROE) | 15.4768% | 704 |
| Retained earnings to average equity (ytd only) | 6.6269% | 1,580 |
| Net charge-offs to loans | 0.1424% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 23.6651% | 1,571 |
| Efficiency ratio | 46.0299% | 6,264 |
| Assets per employee ($millions) | 13.0364% | 115 |
| Cash dividends to net income (ytd only)* | 57.1816% | 1,886 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4697% | 572 |
| Loan loss allowance to noncurrent loans | 41.4958% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 3.3846% | 560 |
| Noncurrent loans to loans | 5.9516% | 195 |
| Net loans and leases to total assets | 55.4644% | 4,395 |
| Net loans and leases to deposits | 64.8593% | 4,445 |
| Net loans and leases to core deposits | 68.4717% | 4,453 |
| Total domestic deposits to total assets | 85.5150% | 3,074 |
| Equity capital to assets | 12.1939% | 1,868 |
| Core capital (leverage) ratio | 12.0535% | 1,589 |
| Tier 1 risk-based capital ratio | 19.8016% | 1,639 |
| Total risk-based capital ratio | 21.0643% | 1,609 |
| Memoranda: |
| Average total assets | $279,727,200 | 2,281 |
| Average earning assets | $267,052,000 | 2,219 |
| Average equity | $33,333,800 | 2,087 |
| Average total loans | $153,079,400 | 2,528 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5239% | 5,337 |
| Cost of funding earning assets | 0.1527% | 6,170 |
| Net interest margin | 3.3712% | 4,350 |
| Noninterest income to average assets | 0.1554% | 5,980 |
| Noninterest expense to average assets | 1.6458% | 6,249 |
| Loan and lease loss provision to assets | 0.0720% | 2,907 |
| Net operating income to assets | 1.6568% | 670 |
| Return on assets (ROA) | 1.6568% | 697 |
| Pretax return on assets | 1.6568% | 1,170 |
| Return on Equity (ROE) | 13.9873% | 987 |
| Retained earnings to average equity (ytd only) | 2.0410% | 5,032 |
| Net charge-offs to loans | 0.1930% | 1,924 |
| Credit loss provision to net charge-offs | 68.8073% | 2,790 |
| Earnings coverage of net charge-offs (x) | 16.5321% | 1,965 |
| Efficiency ratio | 48.7704% | 6,170 |
| Assets per employee ($millions) | 12.8444% | 120 |
| Cash dividends to net income (ytd only)* | 85.4083% | 621 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6619% | 516 |
| Loan loss allowance to noncurrent loans | 42.3818% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 3.4886% | 619 |
| Noncurrent loans to loans | 6.2808% | 211 |
| Net loans and leases to total assets | 54.0658% | 4,568 |
| Net loans and leases to deposits | 62.8784% | 4,658 |
| Net loans and leases to core deposits | 66.3512% | 4,673 |
| Total domestic deposits to total assets | 85.9847% | 2,850 |
| Equity capital to assets | 11.8396% | 2,200 |
| Core capital (leverage) ratio | 11.7934% | 1,840 |
| Tier 1 risk-based capital ratio | 19.2896% | 1,824 |
| Total risk-based capital ratio | 20.5539% | 1,797 |
| Memoranda: |
| Average total assets | $277,959,000 | 2,307 |
| Average earning assets | $265,417,750 | 2,244 |
| Average equity | $32,924,250 | 2,118 |
| Average total loans | $150,574,250 | 2,568 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5249% | 5,359 |
| Cost of funding earning assets | 0.1531% | 6,250 |
| Net interest margin | 3.3718% | 4,305 |
| Noninterest income to average assets | 0.1498% | 6,059 |
| Noninterest expense to average assets | 1.6518% | 6,313 |
| Loan and lease loss provision to assets | 0.0543% | 3,217 |
| Net operating income to assets | 1.6627% | 625 |
| Return on assets (ROA) | 1.6627% | 660 |
| Pretax return on assets | 1.6627% | 1,107 |
| Return on Equity (ROE) | 14.0349% | 946 |
| Retained earnings to average equity (ytd only) | -0.9283% | 5,842 |
| Net charge-offs to loans | 0.2937% | 1,369 |
| Credit loss provision to net charge-offs | 34.4037% | 2,994 |
| Earnings coverage of net charge-offs (x) | 10.8853% | 2,204 |
| Efficiency ratio | 49.0335% | 6,220 |
| Assets per employee ($millions) | 12.7828% | 110 |
| Cash dividends to net income (ytd only)* | 106.6144% | 459 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7515% | 498 |
| Loan loss allowance to noncurrent loans | 41.1824% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 3.5428% | 649 |
| Noncurrent loans to loans | 6.6814% | 194 |
| Net loans and leases to total assets | 51.5655% | 4,789 |
| Net loans and leases to deposits | 59.5504% | 4,904 |
| Net loans and leases to core deposits | 62.8309% | 4,913 |
| Total domestic deposits to total assets | 86.5913% | 2,708 |
| Equity capital to assets | 11.6648% | 2,267 |
| Core capital (leverage) ratio | 11.7008% | 1,852 |
| Tier 1 risk-based capital ratio | 19.6629% | 1,767 |
| Total risk-based capital ratio | 20.9280% | 1,733 |
| Memoranda: |
| Average total assets | $276,420,000 | 2,324 |
| Average earning assets | $263,891,330 | 2,251 |
| Average equity | $32,747,000 | 2,116 |
| Average total loans | $148,447,330 | 2,598 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5106% | 5,394 |
| Cost of funding earning assets | 0.1544% | 6,331 |
| Net interest margin | 3.3561% | 4,310 |
| Noninterest income to average assets | 0.1445% | 6,105 |
| Noninterest expense to average assets | 1.7210% | 6,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6276% | 645 |
| Return on assets (ROA) | 1.6276% | 669 |
| Pretax return on assets | 1.6276% | 1,118 |
| Return on Equity (ROE) | 13.6314% | 1,009 |
| Retained earnings to average equity (ytd only) | -1.0392% | 5,731 |
| Net charge-offs to loans | 0.5887% | 629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.1147% | 2,422 |
| Efficiency ratio | 51.3949% | 6,169 |
| Assets per employee ($millions) | 12.4373% | 130 |
| Cash dividends to net income (ytd only)* | 107.6233% | 597 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7528% | 582 |
| Loan loss allowance to noncurrent loans | 36.9338% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 3.9858% | 597 |
| Noncurrent loans to loans | 7.4533% | 197 |
| Net loans and leases to total assets | 52.0048% | 4,677 |
| Net loans and leases to deposits | 60.5842% | 4,701 |
| Net loans and leases to core deposits | 64.1435% | 4,680 |
| Total domestic deposits to total assets | 85.8388% | 3,439 |
| Equity capital to assets | 11.9603% | 1,896 |
| Core capital (leverage) ratio | 11.7806% | 1,777 |
| Tier 1 risk-based capital ratio | 19.9512% | 1,736 |
| Total risk-based capital ratio | 21.2164% | 1,700 |
| Memoranda: |
| Average total assets | $274,019,500 | 2,348 |
| Average earning assets | $261,609,500 | 2,273 |
| Average equity | $32,718,500 | 2,103 |
| Average total loans | $148,113,000 | 2,613 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5023% | 5,637 |
| Cost of funding earning assets | 0.1664% | 6,461 |
| Net interest margin | 3.3359% | 4,529 |
| Noninterest income to average assets | 0.1485% | 6,197 |
| Noninterest expense to average assets | 1.6304% | 6,497 |
| Loan and lease loss provision to assets | 0.1112% | 2,950 |
| Net operating income to assets | 1.5880% | 709 |
| Return on assets (ROA) | 1.5847% | 733 |
| Pretax return on assets | 1.5847% | 1,208 |
| Return on Equity (ROE) | 13.9462% | 955 |
| Retained earnings to average equity (ytd only) | 7.4099% | 1,274 |
| Net charge-offs to loans | 0.0449% | 4,593 |
| Credit loss provision to net charge-offs | 458.2090% | 502 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 606 |
| Efficiency ratio | 48.9663% | 6,442 |
| Assets per employee ($millions) | 13.0675% | 116 |
| Cash dividends to net income (ytd only)* | 46.8679% | 2,444 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8325% | 570 |
| Loan loss allowance to noncurrent loans | 37.8162% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 4.1714% | 621 |
| Noncurrent loans to loans | 7.4902% | 215 |
| Net loans and leases to total assets | 53.0782% | 4,715 |
| Net loans and leases to deposits | 63.4376% | 4,569 |
| Net loans and leases to core deposits | 64.2860% | 4,841 |
| Total domestic deposits to total assets | 83.6698% | 4,290 |
| Equity capital to assets | 11.9201% | 1,853 |
| Core capital (leverage) ratio | 11.5318% | 1,942 |
| Tier 1 risk-based capital ratio | 19.7568% | 1,712 |
| Total risk-based capital ratio | 20.9734% | 1,695 |
| Memoranda: |
| Average total assets | $276,011,000 | 2,305 |
| Average earning assets | $263,197,800 | 2,228 |
| Average equity | $31,363,400 | 2,163 |
| Average total loans | $149,142,800 | 2,571 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4868% | 5,718 |
| Cost of funding earning assets | 0.1660% | 6,572 |
| Net interest margin | 3.3209% | 4,569 |
| Noninterest income to average assets | 0.1616% | 6,214 |
| Noninterest expense to average assets | 1.6839% | 6,485 |
| Loan and lease loss provision to assets | 0.1119% | 2,896 |
| Net operating income to assets | 1.5315% | 848 |
| Return on assets (ROA) | 1.4775% | 981 |
| Pretax return on assets | 1.4775% | 1,675 |
| Return on Equity (ROE) | 13.1626% | 1,205 |
| Retained earnings to average equity (ytd only) | 4.3531% | 3,576 |
| Net charge-offs to loans | 0.1361% | 3,178 |
| Credit loss provision to net charge-offs | 152.6316% | 1,546 |
| Earnings coverage of net charge-offs (x) | 22.4146% | 1,497 |
| Efficiency ratio | 50.6089% | 6,362 |
| Assets per employee ($millions) | 13.2632% | 108 |
| Cash dividends to net income (ytd only)* | 66.9279% | 1,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8048% | 671 |
| Loan loss allowance to noncurrent loans | 40.3197% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.7181% | 887 |
| Noncurrent loans to loans | 6.9563% | 301 |
| Net loans and leases to total assets | 50.8369% | 5,028 |
| Net loans and leases to deposits | 59.1653% | 5,079 |
| Net loans and leases to core deposits | 60.3212% | 5,272 |
| Total domestic deposits to total assets | 85.9235% | 3,305 |
| Equity capital to assets | 11.2649% | 2,500 |
| Core capital (leverage) ratio | 11.2515% | 2,249 |
| Tier 1 risk-based capital ratio | 19.0632% | 1,974 |
| Total risk-based capital ratio | 20.3230% | 1,933 |
| Memoranda: |
| Average total assets | $276,409,250 | 2,306 |
| Average earning assets | $263,500,000 | 2,233 |
| Average equity | $31,026,500 | 2,211 |
| Average total loans | $148,953,000 | 2,584 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4855% | 5,726 |
| Cost of funding earning assets | 0.1690% | 6,629 |
| Net interest margin | 3.3165% | 4,504 |
| Noninterest income to average assets | 0.1806% | 6,129 |
| Noninterest expense to average assets | 1.6880% | 6,507 |
| Loan and lease loss provision to assets | 0.1502% | 2,449 |
| Net operating income to assets | 1.5031% | 893 |
| Return on assets (ROA) | 1.4276% | 1,111 |
| Pretax return on assets | 1.4276% | 1,843 |
| Return on Equity (ROE) | 12.7337% | 1,310 |
| Retained earnings to average equity (ytd only) | 2.0576% | 4,968 |
| Net charge-offs to loans | 0.2026% | 2,542 |
| Credit loss provision to net charge-offs | 136.1842% | 1,662 |
| Earnings coverage of net charge-offs (x) | 14.9934% | 1,783 |
| Efficiency ratio | 50.5211% | 6,388 |
| Assets per employee ($millions) | 13.2400% | 106 |
| Cash dividends to net income (ytd only)* | 83.8415% | 823 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7619% | 741 |
| Loan loss allowance to noncurrent loans | 39.0894% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 3.8394% | 942 |
| Noncurrent loans to loans | 7.0656% | 335 |
| Net loans and leases to total assets | 51.4226% | 4,941 |
| Net loans and leases to deposits | 59.5880% | 5,016 |
| Net loans and leases to core deposits | 60.7119% | 5,202 |
| Total domestic deposits to total assets | 86.2970% | 3,208 |
| Equity capital to assets | 11.0887% | 2,670 |
| Core capital (leverage) ratio | 11.1439% | 2,220 |
| Tier 1 risk-based capital ratio | 19.1608% | 1,948 |
| Total risk-based capital ratio | 20.4252% | 1,917 |
| Memoranda: |
| Average total assets | $275,703,000 | 2,317 |
| Average earning assets | $262,744,670 | 2,245 |
| Average equity | $30,910,000 | 2,229 |
| Average total loans | $150,043,670 | 2,572 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5418% | 5,603 |
| Cost of funding earning assets | 0.1727% | 6,709 |
| Net interest margin | 3.3691% | 4,239 |
| Noninterest income to average assets | 0.1486% | 6,360 |
| Noninterest expense to average assets | 1.6668% | 6,604 |
| Loan and lease loss provision to assets | 0.2288% | 1,603 |
| Net operating income to assets | 1.4643% | 925 |
| Return on assets (ROA) | 1.4526% | 1,032 |
| Pretax return on assets | 1.4526% | 1,706 |
| Return on Equity (ROE) | 12.8855% | 1,198 |
| Retained earnings to average equity (ytd only) | 3.1923% | 4,339 |
| Net charge-offs to loans | 0.4302% | 1,379 |
| Credit loss provision to net charge-offs | 96.3190% | 1,923 |
| Earnings coverage of net charge-offs (x) | 7.1288% | 2,113 |
| Efficiency ratio | 49.6097% | 6,525 |
| Assets per employee ($millions) | 12.2798% | 135 |
| Cash dividends to net income (ytd only)* | 75.2257% | 970 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6441% | 973 |
| Loan loss allowance to noncurrent loans | 40.5433% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 3.7590% | 1,100 |
| Noncurrent loans to loans | 6.5217% | 488 |
| Net loans and leases to total assets | 54.5169% | 4,329 |
| Net loans and leases to deposits | 63.2809% | 4,385 |
| Net loans and leases to core deposits | 64.4884% | 4,696 |
| Total domestic deposits to total assets | 86.1505% | 3,450 |
| Equity capital to assets | 11.4967% | 2,415 |
| Core capital (leverage) ratio | 10.9371% | 2,311 |
| Tier 1 risk-based capital ratio | 18.9315% | 2,063 |
| Total risk-based capital ratio | 20.1955% | 2,033 |
| Memoranda: |
| Average total assets | $274,534,000 | 2,348 |
| Average earning assets | $261,675,500 | 2,276 |
| Average equity | $30,949,500 | 2,244 |
| Average total loans | $151,547,000 | 2,561 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6890% | 6,072 |
| Cost of funding earning assets | 0.2393% | 6,715 |
| Net interest margin | 3.4497% | 4,703 |
| Noninterest income to average assets | 0.2171% | 5,878 |
| Noninterest expense to average assets | 1.8732% | 6,527 |
| Loan and lease loss provision to assets | 0.4301% | 1,485 |
| Net operating income to assets | 1.1704% | 1,694 |
| Return on assets (ROA) | 1.0773% | 2,208 |
| Pretax return on assets | 1.0773% | 3,243 |
| Return on Equity (ROE) | 9.7862% | 2,268 |
| Retained earnings to average equity (ytd only) | 3.8202% | 3,516 |
| Net charge-offs to loans | 0.1215% | 4,473 |
| Credit loss provision to net charge-offs | 635.3261% | 383 |
| Earnings coverage of net charge-offs (x) | 23.6413% | 1,209 |
| Efficiency ratio | 53.9244% | 6,274 |
| Assets per employee ($millions) | 13.2816% | 120 |
| Cash dividends to net income (ytd only)* | 60.9631% | 1,739 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6388% | 980 |
| Loan loss allowance to noncurrent loans | 40.3424% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 3.6649% | 1,213 |
| Noncurrent loans to loans | 6.5409% | 510 |
| Net loans and leases to total assets | 52.9943% | 4,759 |
| Net loans and leases to deposits | 60.9696% | 4,916 |
| Net loans and leases to core deposits | 62.2268% | 5,130 |
| Total domestic deposits to total assets | 86.9192% | 2,879 |
| Equity capital to assets | 11.0572% | 2,885 |
| Core capital (leverage) ratio | 10.8544% | 2,383 |
| Tier 1 risk-based capital ratio | 18.7406% | 2,033 |
| Total risk-based capital ratio | 20.0046% | 1,989 |
| Memoranda: |
| Average total assets | $271,786,000 | 2,328 |
| Average earning assets | $256,571,200 | 2,265 |
| Average equity | $29,919,600 | 2,255 |
| Average total loans | $151,486,400 | 2,551 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7502% | 6,129 |
| Cost of funding earning assets | 0.2497% | 6,812 |
| Net interest margin | 3.5005% | 4,643 |
| Noninterest income to average assets | 0.2420% | 5,813 |
| Noninterest expense to average assets | 1.8784% | 6,558 |
| Loan and lease loss provision to assets | 0.3180% | 2,078 |
| Net operating income to assets | 1.3412% | 1,346 |
| Return on assets (ROA) | 1.2197% | 1,841 |
| Pretax return on assets | 1.2197% | 2,914 |
| Return on Equity (ROE) | 11.0923% | 1,924 |
| Retained earnings to average equity (ytd only) | 3.0762% | 4,707 |
| Net charge-offs to loans | 0.1620% | 3,822 |
| Credit loss provision to net charge-offs | 350.0000% | 768 |
| Earnings coverage of net charge-offs (x) | 18.2607% | 1,571 |
| Efficiency ratio | 53.0988% | 6,342 |
| Assets per employee ($millions) | 13.0389% | 123 |
| Cash dividends to net income (ytd only)* | 72.2672% | 856 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3556% | 1,425 |
| Loan loss allowance to noncurrent loans | 34.6920% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 4.3602% | 1,069 |
| Noncurrent loans to loans | 6.7901% | 549 |
| Net loans and leases to total assets | 52.6967% | 4,956 |
| Net loans and leases to deposits | 60.5577% | 5,141 |
| Net loans and leases to core deposits | 61.9064% | 5,368 |
| Total domestic deposits to total assets | 87.0190% | 2,658 |
| Equity capital to assets | 11.0823% | 3,178 |
| Core capital (leverage) ratio | 10.8275% | 2,564 |
| Tier 1 risk-based capital ratio | 18.6719% | 2,108 |
| Total risk-based capital ratio | 19.9330% | 2,074 |
| Memoranda: |
| Average total assets | $270,004,250 | 2,365 |
| Average earning assets | $254,204,500 | 2,305 |
| Average equity | $29,689,500 | 2,288 |
| Average total loans | $151,404,500 | 2,585 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8119% | 6,112 |
| Cost of funding earning assets | 0.2588% | 6,884 |
| Net interest margin | 3.5531% | 4,452 |
| Noninterest income to average assets | 0.2560% | 5,748 |
| Noninterest expense to average assets | 1.9707% | 6,491 |
| Loan and lease loss provision to assets | 0.3118% | 2,114 |
| Net operating income to assets | 1.3143% | 1,406 |
| Return on assets (ROA) | 1.2057% | 1,893 |
| Pretax return on assets | 1.2057% | 2,900 |
| Return on Equity (ROE) | 10.9939% | 1,996 |
| Retained earnings to average equity (ytd only) | 1.0858% | 5,640 |
| Net charge-offs to loans | 0.0577% | 4,607 |
| Credit loss provision to net charge-offs | 952.2727% | 348 |
| Earnings coverage of net charge-offs (x) | 49.6591% | 739 |
| Efficiency ratio | 54.7900% | 6,244 |
| Assets per employee ($millions) | 13.1110% | 114 |
| Cash dividends to net income (ytd only)* | 90.1235% | 596 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2758% | 1,634 |
| Loan loss allowance to noncurrent loans | 46.7897% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 3.4424% | 1,553 |
| Noncurrent loans to loans | 4.8638% | 1,039 |
| Net loans and leases to total assets | 52.9648% | 4,965 |
| Net loans and leases to deposits | 60.5859% | 5,188 |
| Net loans and leases to core deposits | 61.9224% | 5,396 |
| Total domestic deposits to total assets | 87.4210% | 2,523 |
| Equity capital to assets | 10.8095% | 3,328 |
| Core capital (leverage) ratio | 10.8228% | 2,458 |
| Tier 1 risk-based capital ratio | 18.2101% | 2,222 |
| Total risk-based capital ratio | 19.4702% | 2,192 |
| Memoranda: |
| Average total assets | $268,733,670 | 2,382 |
| Average earning assets | $252,683,330 | 2,331 |
| Average equity | $29,471,000 | 2,294 |
| Average total loans | $152,615,000 | 2,570 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8696% | 6,089 |
| Cost of funding earning assets | 0.2696% | 6,951 |
| Net interest margin | 3.6000% | 4,274 |
| Noninterest income to average assets | 0.1718% | 6,349 |
| Noninterest expense to average assets | 1.8912% | 6,659 |
| Loan and lease loss provision to assets | 0.2260% | 2,687 |
| Net operating income to assets | 1.4346% | 1,159 |
| Return on assets (ROA) | 1.2327% | 1,830 |
| Pretax return on assets | 1.2327% | 2,796 |
| Return on Equity (ROE) | 11.1575% | 1,957 |
| Retained earnings to average equity (ytd only) | 0.5865% | 5,817 |
| Net charge-offs to loans | 0.0829% | 3,671 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 34.4375% | 833 |
| Efficiency ratio | 53.2457% | 6,415 |
| Assets per employee ($millions) | 12.5972% | 133 |
| Cash dividends to net income (ytd only)* | 94.7433% | 610 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0317% | 2,264 |
| Loan loss allowance to noncurrent loans | 46.2570% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 4.0451% | 1,355 |
| Noncurrent loans to loans | 4.3921% | 1,343 |
| Net loans and leases to total assets | 57.2180% | 4,183 |
| Net loans and leases to deposits | 66.0339% | 4,374 |
| Net loans and leases to core deposits | 67.7309% | 4,711 |
| Total domestic deposits to total assets | 86.6493% | 3,149 |
| Equity capital to assets | 11.1159% | 2,787 |
| Core capital (leverage) ratio | 10.9098% | 2,337 |
| Tier 1 risk-based capital ratio | 17.5876% | 2,443 |
| Total risk-based capital ratio | 18.8458% | 2,412 |
| Memoranda: |
| Average total assets | $265,434,500 | 2,426 |
| Average earning assets | $249,224,000 | 2,370 |
| Average equity | $29,325,500 | 2,306 |
| Average total loans | $154,310,000 | 2,568 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7742% | 6,755 |
| Cost of funding earning assets | 0.3481% | 7,014 |
| Net interest margin | 3.4261% | 5,402 |
| Noninterest income to average assets | 0.1508% | 6,394 |
| Noninterest expense to average assets | 1.9411% | 6,777 |
| Loan and lease loss provision to assets | 0.2267% | 3,937 |
| Net operating income to assets | 1.2107% | 1,484 |
| Return on assets (ROA) | 1.2107% | 1,593 |
| Pretax return on assets | 1.2107% | 2,422 |
| Return on Equity (ROE) | 11.2803% | 1,625 |
| Retained earnings to average equity (ytd only) | 5.0839% | 2,575 |
| Net charge-offs to loans | 0.3814% | 3,503 |
| Credit loss provision to net charge-offs | 101.8676% | 3,408 |
| Earnings coverage of net charge-offs (x) | 6.4584% | 2,511 |
| Efficiency ratio | 57.4544% | 6,122 |
| Assets per employee ($millions) | 13.3164% | 116 |
| Cash dividends to net income (ytd only)* | 54.9313% | 1,792 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9602% | 2,397 |
| Loan loss allowance to noncurrent loans | 54.5110% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 3.7326% | 1,562 |
| Noncurrent loans to loans | 3.5960% | 1,777 |
| Net loans and leases to total assets | 56.7327% | 4,587 |
| Net loans and leases to deposits | 65.5035% | 4,803 |
| Net loans and leases to core deposits | 67.2020% | 5,137 |
| Total domestic deposits to total assets | 86.6101% | 2,971 |
| Equity capital to assets | 10.9808% | 2,995 |
| Core capital (leverage) ratio | 10.8566% | 2,392 |
| Tier 1 risk-based capital ratio | 17.4441% | 2,403 |
| Total risk-based capital ratio | 18.7004% | 2,366 |
| Memoranda: |
| Average total assets | $264,645,600 | 2,382 |
| Average earning assets | $249,322,200 | 2,310 |
| Average equity | $28,403,600 | 2,305 |
| Average total loans | $154,424,800 | 2,575 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8080% | 6,830 |
| Cost of funding earning assets | 0.3659% | 7,096 |
| Net interest margin | 3.4420% | 5,420 |
| Noninterest income to average assets | 0.1519% | 6,495 |
| Noninterest expense to average assets | 2.0487% | 6,598 |
| Loan and lease loss provision to assets | 0.1766% | 4,267 |
| Net operating income to assets | 1.1732% | 1,738 |
| Return on assets (ROA) | 1.1732% | 1,854 |
| Pretax return on assets | 1.1732% | 2,727 |
| Return on Equity (ROE) | 10.9953% | 1,864 |
| Retained earnings to average equity (ytd only) | 2.6720% | 4,754 |
| Net charge-offs to loans | -0.0224% | 6,930 |
| Credit loss provision to net charge-offs | -1,346.1538% | 6,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2821% | 5,672 |
| Assets per employee ($millions) | 14.2152% | 106 |
| Cash dividends to net income (ytd only)* | 75.6991% | 714 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1856% | 1,890 |
| Loan loss allowance to noncurrent loans | 49.6772% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 3.7306% | 1,669 |
| Noncurrent loans to loans | 4.3995% | 1,478 |
| Net loans and leases to total assets | 56.1073% | 4,821 |
| Net loans and leases to deposits | 64.7434% | 5,084 |
| Net loans and leases to core deposits | 66.3225% | 5,379 |
| Total domestic deposits to total assets | 86.6610% | 2,846 |
| Equity capital to assets | 10.5466% | 3,649 |
| Core capital (leverage) ratio | 10.6823% | 2,684 |
| Tier 1 risk-based capital ratio | 17.3395% | 2,508 |
| Total risk-based capital ratio | 18.6002% | 2,471 |
| Memoranda: |
| Average total assets | $264,225,000 | 2,400 |
| Average earning assets | $249,225,750 | 2,325 |
| Average equity | $28,193,250 | 2,317 |
| Average total loans | $154,502,000 | 2,598 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9418% | 6,750 |
| Cost of funding earning assets | 0.3858% | 7,162 |
| Net interest margin | 3.5560% | 4,902 |
| Noninterest income to average assets | 0.1495% | 6,576 |
| Noninterest expense to average assets | 2.1566% | 6,493 |
| Loan and lease loss provision to assets | 0.1525% | 4,407 |
| Net operating income to assets | 1.1934% | 1,593 |
| Return on assets (ROA) | 1.1934% | 1,681 |
| Pretax return on assets | 1.1934% | 2,509 |
| Return on Equity (ROE) | 11.1404% | 1,748 |
| Retained earnings to average equity (ytd only) | 1.8152% | 5,087 |
| Net charge-offs to loans | -0.1192% | 7,203 |
| Credit loss provision to net charge-offs | -217.3913% | 6,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5720% | 5,646 |
| Assets per employee ($millions) | 13.1497% | 125 |
| Cash dividends to net income (ytd only)* | 83.7061% | 713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1321% | 2,053 |
| Loan loss allowance to noncurrent loans | 49.9924% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.7510% | 1,737 |
| Noncurrent loans to loans | 4.2649% | 1,589 |
| Net loans and leases to total assets | 57.6314% | 4,700 |
| Net loans and leases to deposits | 66.4266% | 4,934 |
| Net loans and leases to core deposits | 67.8963% | 5,297 |
| Total domestic deposits to total assets | 86.7594% | 2,882 |
| Equity capital to assets | 10.6288% | 3,351 |
| Core capital (leverage) ratio | 10.5986% | 2,620 |
| Tier 1 risk-based capital ratio | 17.2556% | 2,426 |
| Total risk-based capital ratio | 18.5156% | 2,397 |
| Memoranda: |
| Average total assets | $262,270,670 | 2,438 |
| Average earning assets | $247,299,330 | 2,354 |
| Average equity | $28,096,000 | 2,306 |
| Average total loans | $154,361,000 | 2,618 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8744% | 6,854 |
| Cost of funding earning assets | 0.4105% | 7,202 |
| Net interest margin | 3.4639% | 5,167 |
| Noninterest income to average assets | 0.1375% | 6,724 |
| Noninterest expense to average assets | 1.8648% | 7,050 |
| Loan and lease loss provision to assets | 0.2291% | 3,363 |
| Net operating income to assets | 1.3043% | 1,253 |
| Return on assets (ROA) | 1.3043% | 1,297 |
| Pretax return on assets | 1.3043% | 2,032 |
| Return on Equity (ROE) | 12.1275% | 1,427 |
| Retained earnings to average equity (ytd only) | 4.1750% | 3,660 |
| Net charge-offs to loans | -0.2518% | 7,305 |
| Credit loss provision to net charge-offs | -154.6392% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8764% | 6,613 |
| Assets per employee ($millions) | 13.7930% | 115 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,121 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0929% | 2,202 |
| Loan loss allowance to noncurrent loans | 52.5323% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 4.4157% | 1,477 |
| Noncurrent loans to loans | 3.9841% | 1,828 |
| Net loans and leases to total assets | 58.1382% | 4,627 |
| Net loans and leases to deposits | 67.4080% | 4,761 |
| Net loans and leases to core deposits | 68.7512% | 5,197 |
| Total domestic deposits to total assets | 86.2482% | 3,366 |
| Equity capital to assets | 10.8407% | 2,844 |
| Core capital (leverage) ratio | 10.6873% | 2,443 |
| Tier 1 risk-based capital ratio | 16.7570% | 2,566 |
| Total risk-based capital ratio | 18.0155% | 2,532 |
| Memoranda: |
| Average total assets | $261,909,000 | 2,457 |
| Average earning assets | $246,541,500 | 2,383 |
| Average equity | $28,167,500 | 2,290 |
| Average total loans | $154,107,000 | 2,643 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4312% | 6,558 |
| Cost of funding earning assets | 0.6540% | 6,997 |
| Net interest margin | 3.7772% | 4,044 |
| Noninterest income to average assets | 0.1469% | 6,659 |
| Noninterest expense to average assets | 1.8558% | 7,211 |
| Loan and lease loss provision to assets | 0.3621% | 3,948 |
| Net operating income to assets | 1.4989% | 766 |
| Return on assets (ROA) | 1.4989% | 825 |
| Pretax return on assets | 1.4989% | 1,377 |
| Return on Equity (ROE) | 13.8438% | 919 |
| Retained earnings to average equity (ytd only) | 6.0700% | 1,777 |
| Net charge-offs to loans | 0.0888% | 5,954 |
| Credit loss provision to net charge-offs | 645.3237% | 328 |
| Earnings coverage of net charge-offs (x) | 33.1655% | 675 |
| Efficiency ratio | 49.9294% | 7,132 |
| Assets per employee ($millions) | 13.7764% | 112 |
| Cash dividends to net income (ytd only)* | 56.1541% | 1,791 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9725% | 2,375 |
| Loan loss allowance to noncurrent loans | 99.4384% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 2.4057% | 2,862 |
| Noncurrent loans to loans | 1.9837% | 3,591 |
| Net loans and leases to total assets | 57.1482% | 5,156 |
| Net loans and leases to deposits | 66.4830% | 5,337 |
| Net loans and leases to core deposits | 68.0806% | 5,655 |
| Total domestic deposits to total assets | 85.9592% | 3,378 |
| Equity capital to assets | 10.6685% | 2,998 |
| Core capital (leverage) ratio | 10.6787% | 2,394 |
| Tier 1 risk-based capital ratio | 16.7213% | 2,450 |
| Total risk-based capital ratio | 17.9783% | 2,416 |
| Memoranda: |
| Average total assets | $247,710,000 | 2,562 |
| Average earning assets | $234,114,000 | 2,490 |
| Average equity | $26,820,600 | 2,388 |
| Average total loans | $156,509,200 | 2,660 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5874% | 6,371 |
| Cost of funding earning assets | 0.7079% | 7,042 |
| Net interest margin | 3.8794% | 3,611 |
| Noninterest income to average assets | 0.1496% | 6,793 |
| Noninterest expense to average assets | 1.8433% | 7,279 |
| Loan and lease loss provision to assets | 0.2823% | 4,323 |
| Net operating income to assets | 1.6893% | 635 |
| Return on assets (ROA) | 1.6893% | 689 |
| Pretax return on assets | 1.6893% | 1,139 |
| Return on Equity (ROE) | 15.5408% | 773 |
| Retained earnings to average equity (ytd only) | 5.0681% | 2,936 |
| Net charge-offs to loans | 0.0423% | 6,119 |
| Credit loss provision to net charge-offs | 1,034.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 72.2146% | 416 |
| Efficiency ratio | 48.3183% | 7,252 |
| Assets per employee ($millions) | 13.5448% | 125 |
| Cash dividends to net income (ytd only)* | 67.3885% | 973 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7238% | 3,085 |
| Loan loss allowance to noncurrent loans | 218.0433% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 4,136 |
| Noncurrent loans to loans | 0.7906% | 5,628 |
| Net loans and leases to total assets | 60.2345% | 4,862 |
| Net loans and leases to deposits | 69.6899% | 5,197 |
| Net loans and leases to core deposits | 71.4594% | 5,578 |
| Total domestic deposits to total assets | 86.4321% | 2,832 |
| Equity capital to assets | 10.5751% | 3,438 |
| Core capital (leverage) ratio | 10.6581% | 2,545 |
| Tier 1 risk-based capital ratio | 16.3449% | 2,616 |
| Total risk-based capital ratio | 17.6000% | 2,571 |
| Memoranda: |
| Average total assets | $244,199,750 | 2,646 |
| Average earning assets | $230,715,000 | 2,558 |
| Average equity | $26,544,500 | 2,455 |
| Average total loans | $157,487,500 | 2,691 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6129% | 6,424 |
| Cost of funding earning assets | 0.7594% | 7,038 |
| Net interest margin | 3.8535% | 3,664 |
| Noninterest income to average assets | 0.1484% | 6,832 |
| Noninterest expense to average assets | 1.8981% | 7,265 |
| Loan and lease loss provision to assets | 0.3061% | 3,938 |
| Net operating income to assets | 1.5795% | 762 |
| Return on assets (ROA) | 1.5795% | 818 |
| Pretax return on assets | 1.5795% | 1,356 |
| Return on Equity (ROE) | 14.3916% | 960 |
| Retained earnings to average equity (ytd only) | 2.3479% | 4,665 |
| Net charge-offs to loans | 0.0546% | 5,617 |
| Credit loss provision to net charge-offs | 853.4884% | 438 |
| Earnings coverage of net charge-offs (x) | 52.5814% | 564 |
| Efficiency ratio | 50.1653% | 7,212 |
| Assets per employee ($millions) | 12.4749% | 146 |
| Cash dividends to net income (ytd only)* | 83.6853% | 686 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6245% | 3,349 |
| Loan loss allowance to noncurrent loans | 65.3807% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 3.0425% | 2,338 |
| Noncurrent loans to loans | 2.4846% | 3,167 |
| Net loans and leases to total assets | 62.5254% | 4,575 |
| Net loans and leases to deposits | 72.6814% | 4,886 |
| Net loans and leases to core deposits | 74.4917% | 5,391 |
| Total domestic deposits to total assets | 86.0267% | 3,067 |
| Equity capital to assets | 10.6097% | 3,268 |
| Core capital (leverage) ratio | 10.9466% | 2,277 |
| Tier 1 risk-based capital ratio | 15.7455% | 2,782 |
| Total risk-based capital ratio | 16.9991% | 2,744 |
| Memoranda: |
| Average total assets | $239,816,000 | 2,701 |
| Average earning assets | $226,233,330 | 2,614 |
| Average equity | $26,321,000 | 2,468 |
| Average total loans | $157,405,670 | 2,730 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6535% | 6,398 |
| Cost of funding earning assets | 0.8171% | 7,036 |
| Net interest margin | 3.8364% | 3,640 |
| Noninterest income to average assets | 0.1515% | 6,883 |
| Noninterest expense to average assets | 1.9032% | 7,325 |
| Loan and lease loss provision to assets | 0.2843% | 3,754 |
| Net operating income to assets | 1.5848% | 777 |
| Return on assets (ROA) | 1.5848% | 829 |
| Pretax return on assets | 1.5848% | 1,302 |
| Return on Equity (ROE) | 14.1888% | 1,019 |
| Retained earnings to average equity (ytd only) | 2.7585% | 4,482 |
| Net charge-offs to loans | 0.1071% | 4,356 |
| Credit loss provision to net charge-offs | 397.6190% | 1,031 |
| Earnings coverage of net charge-offs (x) | 26.1429% | 967 |
| Efficiency ratio | 50.4513% | 7,282 |
| Assets per employee ($millions) | 11.1123% | 201 |
| Cash dividends to net income (ytd only)* | 80.5585% | 835 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4981% | 3,921 |
| Loan loss allowance to noncurrent loans | 56.3938% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 3.0455% | 2,346 |
| Noncurrent loans to loans | 2.6565% | 3,019 |
| Net loans and leases to total assets | 66.9743% | 3,641 |
| Net loans and leases to deposits | 78.5594% | 3,931 |
| Net loans and leases to core deposits | 80.6671% | 4,679 |
| Total domestic deposits to total assets | 85.2531% | 3,532 |
| Equity capital to assets | 11.3062% | 2,501 |
| Core capital (leverage) ratio | 11.1096% | 2,156 |
| Tier 1 risk-based capital ratio | 15.5944% | 2,834 |
| Total risk-based capital ratio | 16.8462% | 2,777 |
| Memoranda: |
| Average total assets | $234,975,500 | 2,814 |
| Average earning assets | $221,769,000 | 2,714 |
| Average equity | $26,246,000 | 2,496 |
| Average total loans | $156,821,000 | 2,799 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9575% | 6,563 |
| Cost of funding earning assets | 1.2991% | 6,311 |
| Net interest margin | 3.6584% | 4,318 |
| Noninterest income to average assets | 0.1673% | 6,883 |
| Noninterest expense to average assets | 1.7894% | 7,619 |
| Loan and lease loss provision to assets | 0.1839% | 5,865 |
| Net operating income to assets | 1.6439% | 491 |
| Return on assets (ROA) | 1.6439% | 524 |
| Pretax return on assets | 1.6439% | 876 |
| Return on Equity (ROE) | 15.4921% | 605 |
| Retained earnings to average equity (ytd only) | 6.2202% | 1,262 |
| Net charge-offs to loans | -0.0221% | 7,795 |
| Credit loss provision to net charge-offs | -1,228.5714% | 7,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4678% | 7,563 |
| Assets per employee ($millions) | 11.2663% | 201 |
| Cash dividends to net income (ytd only)* | 59.8491% | 2,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4531% | 3,957 |
| Loan loss allowance to noncurrent loans | 600.5333% | 557 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 4,475 |
| Noncurrent loans to loans | 0.2420% | 6,822 |
| Net loans and leases to total assets | 64.5509% | 4,483 |
| Net loans and leases to deposits | 75.2267% | 4,850 |
| Net loans and leases to core deposits | 88.7501% | 5,247 |
| Total domestic deposits to total assets | 85.8085% | 3,108 |
| Equity capital to assets | 11.0350% | 2,683 |
| Core capital (leverage) ratio | 10.7070% | 2,425 |
| Tier 1 risk-based capital ratio | 15.7455% | 2,623 |
| Total risk-based capital ratio | 16.9971% | 2,561 |
| Memoranda: |
| Average total assets | $233,771,600 | 2,781 |
| Average earning assets | $220,453,600 | 2,704 |
| Average equity | $24,806,200 | 2,627 |
| Average total loans | $158,178,200 | 2,797 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9599% | 6,734 |
| Cost of funding earning assets | 1.3988% | 6,237 |
| Net interest margin | 3.5611% | 4,630 |
| Noninterest income to average assets | 0.1075% | 7,366 |
| Noninterest expense to average assets | 1.7282% | 7,731 |
| Loan and lease loss provision to assets | 0.1545% | 5,806 |
| Net operating income to assets | 1.5818% | 685 |
| Return on assets (ROA) | 1.5818% | 740 |
| Pretax return on assets | 1.5818% | 1,213 |
| Return on Equity (ROE) | 15.0591% | 764 |
| Retained earnings to average equity (ytd only) | 2.5325% | 3,901 |
| Net charge-offs to loans | -0.0294% | 7,800 |
| Credit loss provision to net charge-offs | -771.4286% | 7,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8844% | 7,565 |
| Assets per employee ($millions) | 11.3761% | 200 |
| Cash dividends to net income (ytd only)* | 83.1827% | 876 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3329% | 4,298 |
| Loan loss allowance to noncurrent loans | 404.6422% | 767 |
| Noncurrent assets plus other real estate owned to assets | 1.4948% | 4,131 |
| Noncurrent loans to loans | 0.3294% | 6,701 |
| Net loans and leases to total assets | 64.8210% | 4,693 |
| Net loans and leases to deposits | 74.2836% | 5,332 |
| Net loans and leases to core deposits | 87.9759% | 5,642 |
| Total domestic deposits to total assets | 87.2615% | 2,040 |
| Equity capital to assets | 10.4350% | 3,581 |
| Core capital (leverage) ratio | 10.4598% | 2,826 |
| Tier 1 risk-based capital ratio | 14.7562% | 3,158 |
| Total risk-based capital ratio | 15.9939% | 3,108 |
| Memoranda: |
| Average total assets | $233,066,250 | 2,805 |
| Average earning assets | $219,704,000 | 2,727 |
| Average equity | $24,480,750 | 2,694 |
| Average total loans | $158,979,000 | 2,811 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1633% | 6,214 |
| Cost of funding earning assets | 1.5157% | 6,075 |
| Net interest margin | 3.6476% | 4,177 |
| Noninterest income to average assets | 0.0839% | 7,559 |
| Noninterest expense to average assets | 1.6476% | 7,883 |
| Loan and lease loss provision to assets | 0.1558% | 5,513 |
| Net operating income to assets | 1.7125% | 552 |
| Return on assets (ROA) | 1.7125% | 599 |
| Pretax return on assets | 1.7125% | 988 |
| Return on Equity (ROE) | 16.2671% | 661 |
| Retained earnings to average equity (ytd only) | 0.8960% | 4,821 |
| Net charge-offs to loans | -0.0438% | 7,827 |
| Credit loss provision to net charge-offs | -514.2857% | 7,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8619% | 7,814 |
| Assets per employee ($millions) | 11.0838% | 202 |
| Cash dividends to net income (ytd only)* | 94.4922% | 809 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2729% | 4,444 |
| Loan loss allowance to noncurrent loans | 308.9506% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 1.7408% | 3,570 |
| Noncurrent loans to loans | 0.4120% | 6,478 |
| Net loans and leases to total assets | 66.7099% | 4,416 |
| Net loans and leases to deposits | 76.8413% | 5,050 |
| Net loans and leases to core deposits | 91.3172% | 5,418 |
| Total domestic deposits to total assets | 86.8152% | 2,351 |
| Equity capital to assets | 10.5469% | 3,345 |
| Core capital (leverage) ratio | 10.9256% | 2,461 |
| Tier 1 risk-based capital ratio | 14.8401% | 3,092 |
| Total risk-based capital ratio | 16.0336% | 3,042 |
| Memoranda: |
| Average total assets | $231,122,330 | 2,848 |
| Average earning assets | $217,457,330 | 2,779 |
| Average equity | $24,331,330 | 2,720 |
| Average total loans | $159,656,000 | 2,825 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1745% | 6,396 |
| Cost of funding earning assets | 1.6564% | 5,788 |
| Net interest margin | 3.5181% | 4,657 |
| Noninterest income to average assets | 0.0139% | 8,004 |
| Noninterest expense to average assets | 1.5909% | 7,915 |
| Loan and lease loss provision to assets | 0.1563% | 4,931 |
| Net operating income to assets | 1.5718% | 823 |
| Return on assets (ROA) | 1.5718% | 902 |
| Pretax return on assets | 1.5718% | 1,475 |
| Return on Equity (ROE) | 14.9448% | 984 |
| Retained earnings to average equity (ytd only) | -1.5688% | 6,011 |
| Net charge-offs to loans | -0.4054% | 8,096 |
| Credit loss provision to net charge-offs | -55.2147% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9330% | 7,729 |
| Assets per employee ($millions) | 11.6126% | 186 |
| Cash dividends to net income (ytd only)* | 110.4972% | 661 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2680% | 4,291 |
| Loan loss allowance to noncurrent loans | 63.7102% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.5866% | 3,542 |
| Noncurrent loans to loans | 1.9902% | 3,269 |
| Net loans and leases to total assets | 68.3954% | 4,043 |
| Net loans and leases to deposits | 79.4344% | 4,696 |
| Net loans and leases to core deposits | 97.8815% | 4,756 |
| Total domestic deposits to total assets | 86.1030% | 2,660 |
| Equity capital to assets | 10.4344% | 3,526 |
| Core capital (leverage) ratio | 10.6236% | 2,811 |
| Tier 1 risk-based capital ratio | 14.5280% | 3,294 |
| Total risk-based capital ratio | 15.7380% | 3,239 |
| Memoranda: |
| Average total assets | $230,303,500 | 2,871 |
| Average earning assets | $216,367,500 | 2,805 |
| Average equity | $24,222,500 | 2,739 |
| Average total loans | $160,846,000 | 2,829 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8850% | 6,113 |
| Cost of funding earning assets | 2.2968% | 5,165 |
| Net interest margin | 3.5881% | 4,940 |
| Noninterest income to average assets | 0.1433% | 7,388 |
| Noninterest expense to average assets | 1.5630% | 7,996 |
| Loan and lease loss provision to assets | 0.0806% | 6,383 |
| Net operating income to assets | 1.8957% | 434 |
| Return on assets (ROA) | 1.6503% | 719 |
| Pretax return on assets | 1.6503% | 1,262 |
| Return on Equity (ROE) | 15.7391% | 809 |
| Retained earnings to average equity (ytd only) | 6.6416% | 1,280 |
| Net charge-offs to loans | 0.3055% | 3,360 |
| Credit loss provision to net charge-offs | 36.8852% | 6,474 |
| Earnings coverage of net charge-offs (x) | 9.0430% | 2,763 |
| Efficiency ratio | 44.1604% | 8,006 |
| Assets per employee ($millions) | 12.0187% | 164 |
| Cash dividends to net income (ytd only)* | 57.8019% | 2,773 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1113% | 5,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 5,710 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.6351% | 4,112 |
| Net loans and leases to deposits | 80.8645% | 4,896 |
| Net loans and leases to core deposits | 98.6856% | 4,969 |
| Total domestic deposits to total assets | 86.1133% | 2,351 |
| Equity capital to assets | 10.6023% | 3,383 |
| Core capital (leverage) ratio | 10.7497% | 2,779 |
| Tier 1 risk-based capital ratio | 16.2591% | 2,564 |
| Total risk-based capital ratio | 17.4554% | 2,522 |
| Memoranda: |
| Average total assets | $223,290,200 | 2,838 |
| Average earning assets | $211,334,600 | 2,759 |
| Average equity | $23,413,000 | 2,800 |
| Average total loans | $159,731,000 | 2,771 |
