| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1960% | 2,733 |
| Cost of funding earning assets | 2.6793% | 620 |
| Net interest margin | 2.5167% | 4,015 |
| Noninterest income to average assets | 0.9900% | 582 |
| Noninterest expense to average assets | 2.6953% | 1,767 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.3779% | 3,766 |
| Return on assets (ROA) | 0.3826% | 3,786 |
| Pretax return on assets | 0.4149% | 3,821 |
| Return on Equity (ROE) | 6.9400% | 3,139 |
| Retained earnings to average equity (ytd only) | 6.9422% | 2,016 |
| Net charge-offs to loans | 0.0209% | 1,577 |
| Credit loss provision to net charge-offs | 527.2727% | 519 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,021 |
| Efficiency ratio | 85.0014% | 694 |
| Assets per employee ($millions) | 4.8473% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0784% | 2,826 |
| Loan loss allowance to noncurrent loans | 510.8844% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 1,004 |
| Noncurrent loans to loans | 0.2111% | 2,743 |
| Net loans and leases to total assets | 44.4100% | 3,820 |
| Net loans and leases to deposits | 48.0357% | 3,939 |
| Net loans and leases to core deposits | 79.5481% | 2,709 |
| Total domestic deposits to total assets | 92.4600% | 198 |
| Equity capital to assets | 5.5613% | 4,314 |
| Core capital (leverage) ratio | 7.9697% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4623% | 2,624 |
| Memoranda: |
| Average total assets | $470,440,000 | 1,859 |
| Average earning assets | $401,157,000 | 1,974 |
| Average equity | $25,928,500 | 2,646 |
| Average total loans | $210,766,500 | 2,337 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2669% | 2,599 |
| Cost of funding earning assets | 2.7112% | 823 |
| Net interest margin | 2.5557% | 3,838 |
| Noninterest income to average assets | 1.4500% | 360 |
| Noninterest expense to average assets | 3.3454% | 711 |
| Loan and lease loss provision to assets | 0.2400% | 529 |
| Net operating income to assets | 0.0810% | 4,110 |
| Return on assets (ROA) | 0.0908% | 4,126 |
| Pretax return on assets | 0.0441% | 4,153 |
| Return on Equity (ROE) | 1.6800% | 4,032 |
| Retained earnings to average equity (ytd only) | 1.6773% | 3,490 |
| Net charge-offs to loans | 0.0235% | 2,115 |
| Credit loss provision to net charge-offs | 887.5000% | 422 |
| Earnings coverage of net charge-offs (x) | 26.1042% | 1,631 |
| Efficiency ratio | 90.8294% | 473 |
| Assets per employee ($millions) | 5.0056% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0376% | 3,009 |
| Loan loss allowance to noncurrent loans | 286.4935% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 916 |
| Noncurrent loans to loans | 0.3622% | 2,174 |
| Net loans and leases to total assets | 44.2400% | 3,878 |
| Net loans and leases to deposits | 48.5138% | 3,958 |
| Net loans and leases to core deposits | 82.9025% | 2,568 |
| Total domestic deposits to total assets | 91.2000% | 463 |
| Equity capital to assets | 5.4629% | 4,287 |
| Core capital (leverage) ratio | 7.9559% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8598% | 2,746 |
| Memoranda: |
| Average total assets | $460,271,400 | 1,866 |
| Average earning assets | $391,009,000 | 1,977 |
| Average equity | $24,921,000 | 2,639 |
| Average total loans | $204,288,200 | 2,339 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2730% | 2,512 |
| Cost of funding earning assets | 2.7161% | 816 |
| Net interest margin | 2.5570% | 3,808 |
| Noninterest income to average assets | 1.4400% | 359 |
| Noninterest expense to average assets | 3.3182% | 712 |
| Loan and lease loss provision to assets | 0.2600% | 417 |
| Net operating income to assets | 0.1066% | 4,105 |
| Return on assets (ROA) | 0.1201% | 4,123 |
| Pretax return on assets | 0.0526% | 4,197 |
| Return on Equity (ROE) | 2.2200% | 3,995 |
| Retained earnings to average equity (ytd only) | 2.2225% | 3,399 |
| Net charge-offs to loans | 0.0237% | 1,865 |
| Credit loss provision to net charge-offs | 583.3333% | 574 |
| Earnings coverage of net charge-offs (x) | 28.3056% | 1,561 |
| Efficiency ratio | 90.1042% | 535 |
| Assets per employee ($millions) | 4.5815% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9962% | 3,276 |
| Loan loss allowance to noncurrent loans | 69.8186% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.2979% | 439 |
| Noncurrent loans to loans | 1.4269% | 682 |
| Net loans and leases to total assets | 43.8400% | 3,903 |
| Net loans and leases to deposits | 47.0690% | 4,036 |
| Net loans and leases to core deposits | 81.2985% | 2,733 |
| Total domestic deposits to total assets | 93.1500% | 85 |
| Equity capital to assets | 5.2575% | 4,435 |
| Core capital (leverage) ratio | 7.7727% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9502% | 2,771 |
| Memoranda: |
| Average total assets | $456,455,500 | 1,869 |
| Average earning assets | $388,053,000 | 1,989 |
| Average equity | $24,656,750 | 2,646 |
| Average total loans | $202,208,750 | 2,343 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2169% | 2,512 |
| Cost of funding earning assets | 2.6778% | 795 |
| Net interest margin | 2.5391% | 3,819 |
| Noninterest income to average assets | 1.5800% | 338 |
| Noninterest expense to average assets | 3.3109% | 713 |
| Loan and lease loss provision to assets | 0.3000% | 330 |
| Net operating income to assets | 0.1681% | 4,044 |
| Return on assets (ROA) | 0.1882% | 4,056 |
| Pretax return on assets | 0.1414% | 4,117 |
| Return on Equity (ROE) | 3.5100% | 3,809 |
| Retained earnings to average equity (ytd only) | 3.5131% | 2,887 |
| Net charge-offs to loans | 0.0138% | 1,921 |
| Credit loss provision to net charge-offs | 42.8571% | 1,860 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 958 |
| Efficiency ratio | 87.1422% | 699 |
| Assets per employee ($millions) | 4.6965% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8819% | 3,745 |
| Loan loss allowance to noncurrent loans | 142.4100% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 1,361 |
| Noncurrent loans to loans | 0.6193% | 1,486 |
| Net loans and leases to total assets | 44.4400% | 3,887 |
| Net loans and leases to deposits | 47.5582% | 4,031 |
| Net loans and leases to core deposits | 80.2162% | 2,799 |
| Total domestic deposits to total assets | 93.4500% | 115 |
| Equity capital to assets | 5.6648% | 4,282 |
| Core capital (leverage) ratio | 7.7034% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8288% | 2,805 |
| Memoranda: |
| Average total assets | $456,972,333 | 1,864 |
| Average earning assets | $387,851,667 | 1,985 |
| Average equity | $24,480,000 | 2,627 |
| Average total loans | $202,659,000 | 2,329 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1716% | 2,465 |
| Cost of funding earning assets | 2.6587% | 760 |
| Net interest margin | 2.5129% | 3,846 |
| Noninterest income to average assets | 1.7300% | 282 |
| Noninterest expense to average assets | 3.2732% | 749 |
| Loan and lease loss provision to assets | 0.6600% | 122 |
| Net operating income to assets | 0.0180% | 4,210 |
| Return on assets (ROA) | 0.0264% | 4,241 |
| Pretax return on assets | -0.0764% | 4,308 |
| Return on Equity (ROE) | 0.5100% | 4,197 |
| Retained earnings to average equity (ytd only) | 0.5067% | 3,591 |
| Net charge-offs to loans | 0.0120% | 1,651 |
| Credit loss provision to net charge-offs | 1,900.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 638 |
| Efficiency ratio | 83.4550% | 950 |
| Assets per employee ($millions) | 4.8273% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9552% | 3,503 |
| Loan loss allowance to noncurrent loans | 1,826.4151% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 2,170 |
| Noncurrent loans to loans | 0.0523% | 3,381 |
| Net loans and leases to total assets | 44.2400% | 3,884 |
| Net loans and leases to deposits | 47.1576% | 4,011 |
| Net loans and leases to core deposits | 79.6624% | 2,745 |
| Total domestic deposits to total assets | 93.8100% | 135 |
| Equity capital to assets | 5.3620% | 4,326 |
| Core capital (leverage) ratio | 7.5983% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0186% | 2,803 |
| Memoranda: |
| Average total assets | $455,328,500 | 1,878 |
| Average earning assets | $384,095,000 | 2,005 |
| Average equity | $23,683,500 | 2,672 |
| Average total loans | $200,802,000 | 2,339 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9018% | 2,268 |
| Cost of funding earning assets | 2.1315% | 730 |
| Net interest margin | 2.7703% | 3,716 |
| Noninterest income to average assets | 2.1700% | 245 |
| Noninterest expense to average assets | 4.3136% | 301 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 0.2178% | 4,145 |
| Return on assets (ROA) | 0.2171% | 4,160 |
| Pretax return on assets | 0.2173% | 4,182 |
| Return on Equity (ROE) | 3.6700% | 3,936 |
| Retained earnings to average equity (ytd only) | -4.2938% | 4,373 |
| Net charge-offs to loans | 0.0190% | 1,976 |
| Credit loss provision to net charge-offs | -1,135.1351% | 4,566 |
| Earnings coverage of net charge-offs (x) | 17.7027% | 1,966 |
| Efficiency ratio | 93.3696% | 318 |
| Assets per employee ($millions) | 4.9128% | 3,701 |
| Cash dividends to net income (ytd only)* | 217.1553% | 50 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9365% | 3,581 |
| Loan loss allowance to noncurrent loans | 396.3830% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 1,155 |
| Noncurrent loans to loans | 0.2363% | 2,363 |
| Net loans and leases to total assets | 43.1300% | 3,931 |
| Net loans and leases to deposits | 46.3863% | 4,035 |
| Net loans and leases to core deposits | 78.8857% | 2,771 |
| Total domestic deposits to total assets | 92.9900% | 176 |
| Equity capital to assets | 5.0419% | 4,405 |
| Core capital (leverage) ratio | 7.1562% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3583% | 2,880 |
| Memoranda: |
| Average total assets | $424,305,200 | 1,940 |
| Average earning assets | $351,581,800 | 2,085 |
| Average equity | $25,129,200 | 2,509 |
| Average total loans | $195,123,800 | 2,318 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7634% | 2,344 |
| Cost of funding earning assets | 1.9403% | 795 |
| Net interest margin | 2.8231% | 3,691 |
| Noninterest income to average assets | 2.4800% | 237 |
| Noninterest expense to average assets | 4.4395% | 286 |
| Loan and lease loss provision to assets | -0.1900% | 4,588 |
| Net operating income to assets | 0.5032% | 3,762 |
| Return on assets (ROA) | 0.5024% | 3,760 |
| Pretax return on assets | 0.5645% | 3,797 |
| Return on Equity (ROE) | 8.1500% | 3,147 |
| Retained earnings to average equity (ytd only) | -2.2453% | 4,333 |
| Net charge-offs to loans | 0.0137% | 1,901 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,618 |
| Earnings coverage of net charge-offs (x) | 59.2500% | 1,211 |
| Efficiency ratio | 88.8778% | 413 |
| Assets per employee ($millions) | 3.7830% | 4,245 |
| Cash dividends to net income (ytd only)* | 127.5510% | 104 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8848% | 3,780 |
| Loan loss allowance to noncurrent loans | 2,819.6721% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 2,339 |
| Noncurrent loans to loans | 0.0314% | 3,546 |
| Net loans and leases to total assets | 45.4700% | 3,854 |
| Net loans and leases to deposits | 48.9951% | 3,974 |
| Net loans and leases to core deposits | 75.1538% | 2,921 |
| Total domestic deposits to total assets | 92.8100% | 329 |
| Equity capital to assets | 6.2956% | 3,897 |
| Core capital (leverage) ratio | 7.7071% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9452% | 2,833 |
| Memoranda: |
| Average total assets | $416,158,750 | 1,969 |
| Average earning assets | $344,198,750 | 2,117 |
| Average equity | $25,652,500 | 2,470 |
| Average total loans | $194,171,500 | 2,327 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6273% | 2,358 |
| Cost of funding earning assets | 1.6961% | 890 |
| Net interest margin | 2.9312% | 3,588 |
| Noninterest income to average assets | 2.7700% | 185 |
| Noninterest expense to average assets | 4.6673% | 246 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.4857% | 3,836 |
| Return on assets (ROA) | 0.4709% | 3,873 |
| Pretax return on assets | 0.5217% | 3,927 |
| Return on Equity (ROE) | 7.7000% | 3,316 |
| Retained earnings to average equity (ytd only) | -8.1068% | 4,486 |
| Net charge-offs to loans | 0.0309% | 1,272 |
| Credit loss provision to net charge-offs | -100.0000% | 4,542 |
| Earnings coverage of net charge-offs (x) | 36.1000% | 1,463 |
| Efficiency ratio | 86.6058% | 472 |
| Assets per employee ($millions) | 3.7926% | 4,260 |
| Cash dividends to net income (ytd only)* | 205.3388% | 39 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0874% | 3,008 |
| Loan loss allowance to noncurrent loans | 9,040.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 2,257 |
| Noncurrent loans to loans | 0.0120% | 3,695 |
| Net loans and leases to total assets | 47.5500% | 3,713 |
| Net loans and leases to deposits | 53.7602% | 3,759 |
| Net loans and leases to core deposits | 78.8968% | 2,549 |
| Total domestic deposits to total assets | 88.4400% | 1,449 |
| Equity capital to assets | 5.7439% | 4,218 |
| Core capital (leverage) ratio | 7.7458% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3782% | 2,915 |
| Memoranda: |
| Average total assets | $413,646,333 | 1,973 |
| Average earning assets | $341,842,333 | 2,131 |
| Average equity | $25,312,000 | 2,508 |
| Average total loans | $194,100,333 | 2,328 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5434% | 2,212 |
| Cost of funding earning assets | 1.3871% | 1,046 |
| Net interest margin | 3.1562% | 3,218 |
| Noninterest income to average assets | 3.8000% | 154 |
| Noninterest expense to average assets | 4.9063% | 231 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 1.2621% | 1,769 |
| Return on assets (ROA) | 1.2605% | 1,741 |
| Pretax return on assets | 1.5583% | 1,559 |
| Return on Equity (ROE) | 19.9400% | 772 |
| Retained earnings to average equity (ytd only) | 19.9444% | 381 |
| Net charge-offs to loans | 0.0320% | 1,074 |
| Credit loss provision to net charge-offs | -333.3333% | 4,617 |
| Earnings coverage of net charge-offs (x) | 101.8000% | 784 |
| Efficiency ratio | 73.7126% | 1,370 |
| Assets per employee ($millions) | 3.0434% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1534% | 2,807 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 2,137 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.1700% | 3,768 |
| Net loans and leases to deposits | 50.0816% | 3,885 |
| Net loans and leases to core deposits | 67.4780% | 3,137 |
| Total domestic deposits to total assets | 92.2000% | 471 |
| Equity capital to assets | 6.3206% | 4,097 |
| Core capital (leverage) ratio | 8.5739% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6330% | 2,821 |
| Memoranda: |
| Average total assets | $404,293,000 | 2,029 |
| Average earning assets | $335,083,000 | 2,185 |
| Average equity | $25,551,000 | 2,515 |
| Average total loans | $187,234,500 | 2,392 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0320% | 1,635 |
| Cost of funding earning assets | 0.5628% | 1,050 |
| Net interest margin | 3.4692% | 2,041 |
| Noninterest income to average assets | 1.7500% | 295 |
| Noninterest expense to average assets | 4.0024% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6738% | 3,690 |
| Return on assets (ROA) | 0.2743% | 4,365 |
| Pretax return on assets | 0.2207% | 4,427 |
| Return on Equity (ROE) | 3.6600% | 4,211 |
| Retained earnings to average equity (ytd only) | -9.1173% | 4,622 |
| Net charge-offs to loans | 0.0637% | 1,008 |
| Credit loss provision to net charge-offs | 10.0917% | 1,955 |
| Earnings coverage of net charge-offs (x) | 22.3761% | 1,840 |
| Efficiency ratio | 82.6320% | 559 |
| Assets per employee ($millions) | 3.0362% | 4,521 |
| Cash dividends to net income (ytd only)* | 349.1620% | 16 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1587% | 2,593 |
| Loan loss allowance to noncurrent loans | 214,800.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 2,152 |
| Noncurrent loans to loans | 0.0005% | 3,904 |
| Net loans and leases to total assets | 45.3800% | 3,828 |
| Net loans and leases to deposits | 52.4548% | 3,770 |
| Net loans and leases to core deposits | 68.0436% | 3,008 |
| Total domestic deposits to total assets | 86.5100% | 2,567 |
| Equity capital to assets | 6.3193% | 3,971 |
| Core capital (leverage) ratio | 8.4368% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2336% | 2,933 |
| Memoranda: |
| Average total assets | $391,491,800 | 2,054 |
| Average earning assets | $324,599,800 | 2,218 |
| Average equity | $29,350,800 | 2,364 |
| Average total loans | $171,119,400 | 2,444 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9097% | 1,464 |
| Cost of funding earning assets | 0.4122% | 1,212 |
| Net interest margin | 3.4976% | 1,670 |
| Noninterest income to average assets | 1.8700% | 287 |
| Noninterest expense to average assets | 3.9915% | 329 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.5627% | 3,931 |
| Return on assets (ROA) | 0.4950% | 4,037 |
| Pretax return on assets | 0.5654% | 4,045 |
| Return on Equity (ROE) | 6.3400% | 3,729 |
| Retained earnings to average equity (ytd only) | -4.6542% | 4,594 |
| Net charge-offs to loans | 0.0724% | 787 |
| Credit loss provision to net charge-offs | 453.8462% | 642 |
| Earnings coverage of net charge-offs (x) | 25.0989% | 1,611 |
| Efficiency ratio | 79.7872% | 782 |
| Assets per employee ($millions) | 3.1479% | 4,549 |
| Cash dividends to net income (ytd only)* | 173.3703% | 61 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4857% | 1,329 |
| Loan loss allowance to noncurrent loans | 92.3105% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 473 |
| Noncurrent loans to loans | 1.6095% | 423 |
| Net loans and leases to total assets | 43.6400% | 3,899 |
| Net loans and leases to deposits | 49.6018% | 3,881 |
| Net loans and leases to core deposits | 60.9903% | 3,304 |
| Total domestic deposits to total assets | 87.9800% | 2,442 |
| Equity capital to assets | 6.8102% | 3,610 |
| Core capital (leverage) ratio | 8.5933% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0849% | 2,794 |
| Memoranda: |
| Average total assets | $388,411,750 | 2,086 |
| Average earning assets | $322,195,000 | 2,244 |
| Average equity | $30,309,000 | 2,354 |
| Average total loans | $167,553,250 | 2,475 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8049% | 1,304 |
| Cost of funding earning assets | 0.3156% | 1,570 |
| Net interest margin | 3.4893% | 1,343 |
| Noninterest income to average assets | 1.9862% | 236 |
| Noninterest expense to average assets | 4.1612% | 255 |
| Loan and lease loss provision to assets | 0.1305% | 744 |
| Net operating income to assets | 0.5093% | 3,868 |
| Return on assets (ROA) | 0.4859% | 3,881 |
| Pretax return on assets | 0.5751% | 3,864 |
| Return on Equity (ROE) | 5.9713% | 3,580 |
| Retained earnings to average equity (ytd only) | -9.8761% | 4,659 |
| Net charge-offs to loans | 0.0278% | 1,168 |
| Credit loss provision to net charge-offs | 1,100.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 61.8261% | 1,068 |
| Efficiency ratio | 81.3277% | 848 |
| Assets per employee ($millions) | 2.9394% | 4,632 |
| Cash dividends to net income (ytd only)* | 265.3928% | 43 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4781% | 1,465 |
| Loan loss allowance to noncurrent loans | 646.7363% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 1,663 |
| Noncurrent loans to loans | 0.2286% | 2,580 |
| Net loans and leases to total assets | 43.5408% | 3,869 |
| Net loans and leases to deposits | 48.6246% | 3,891 |
| Net loans and leases to core deposits | 56.6557% | 3,512 |
| Total domestic deposits to total assets | 89.5448% | 1,922 |
| Equity capital to assets | 6.1338% | 4,163 |
| Core capital (leverage) ratio | 8.4163% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9253% | 2,833 |
| Memoranda: |
| Average total assets | $387,768,333 | 2,100 |
| Average earning assets | $323,214,333 | 2,261 |
| Average equity | $31,551,000 | 2,342 |
| Average total loans | $165,765,667 | 2,503 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6983% | 1,275 |
| Cost of funding earning assets | 0.2784% | 1,838 |
| Net interest margin | 3.4199% | 1,259 |
| Noninterest income to average assets | 2.0354% | 234 |
| Noninterest expense to average assets | 3.9657% | 280 |
| Loan and lease loss provision to assets | 0.1694% | 461 |
| Net operating income to assets | 0.7012% | 3,055 |
| Return on assets (ROA) | 0.6530% | 3,201 |
| Pretax return on assets | 0.7172% | 3,343 |
| Return on Equity (ROE) | 7.1714% | 2,988 |
| Retained earnings to average equity (ytd only) | -20.8418% | 4,707 |
| Net charge-offs to loans | 0.0485% | 803 |
| Credit loss provision to net charge-offs | 830.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 46.0500% | 951 |
| Efficiency ratio | 77.2671% | 1,373 |
| Assets per employee ($millions) | 2.9538% | 4,658 |
| Cash dividends to net income (ytd only)* | 390.6250% | 59 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4695% | 1,655 |
| Loan loss allowance to noncurrent loans | 1,399.4152% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.7725% | 720 |
| Noncurrent loans to loans | 0.1050% | 3,313 |
| Net loans and leases to total assets | 41.4658% | 3,917 |
| Net loans and leases to deposits | 47.0721% | 3,925 |
| Net loans and leases to core deposits | 54.5423% | 3,557 |
| Total domestic deposits to total assets | 88.0899% | 2,483 |
| Equity capital to assets | 7.7982% | 3,730 |
| Core capital (leverage) ratio | 8.3062% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8243% | 2,931 |
| Memoranda: |
| Average total assets | $392,062,500 | 2,085 |
| Average earning assets | $329,019,000 | 2,243 |
| Average equity | $35,697,500 | 2,227 |
| Average total loans | $164,861,000 | 2,511 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7805% | 1,920 |
| Cost of funding earning assets | 0.3249% | 2,165 |
| Net interest margin | 3.4556% | 1,866 |
| Noninterest income to average assets | 1.5739% | 459 |
| Noninterest expense to average assets | 3.2649% | 662 |
| Loan and lease loss provision to assets | 0.1379% | 878 |
| Net operating income to assets | 0.9018% | 3,038 |
| Return on assets (ROA) | 1.1276% | 2,237 |
| Pretax return on assets | 1.3961% | 2,067 |
| Return on Equity (ROE) | 11.4694% | 1,993 |
| Retained earnings to average equity (ytd only) | 5.1187% | 2,739 |
| Net charge-offs to loans | -0.0842% | 4,528 |
| Credit loss provision to net charge-offs | -427.9070% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0812% | 1,850 |
| Assets per employee ($millions) | 3.2561% | 4,644 |
| Cash dividends to net income (ytd only)* | 55.3710% | 1,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3459% | 2,156 |
| Loan loss allowance to noncurrent loans | 1,261.7978% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.6374% | 1,025 |
| Noncurrent loans to loans | 0.1067% | 3,393 |
| Net loans and leases to total assets | 41.4432% | 4,006 |
| Net loans and leases to deposits | 46.8547% | 4,053 |
| Net loans and leases to core deposits | 54.9800% | 3,688 |
| Total domestic deposits to total assets | 88.4505% | 1,815 |
| Equity capital to assets | 10.3940% | 2,273 |
| Core capital (leverage) ratio | 8.9393% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4459% | 2,787 |
| Memoranda: |
| Average total assets | $400,407,200 | 1,992 |
| Average earning assets | $341,385,200 | 2,122 |
| Average equity | $39,365,600 | 2,102 |
| Average total loans | $153,211,000 | 2,602 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8472% | 1,924 |
| Cost of funding earning assets | 0.3363% | 2,235 |
| Net interest margin | 3.5109% | 1,835 |
| Noninterest income to average assets | 1.4752% | 558 |
| Noninterest expense to average assets | 3.0674% | 867 |
| Loan and lease loss provision to assets | 0.0341% | 2,318 |
| Net operating income to assets | 1.1154% | 2,498 |
| Return on assets (ROA) | 1.4370% | 1,488 |
| Pretax return on assets | 1.7630% | 1,248 |
| Return on Equity (ROE) | 14.8264% | 1,177 |
| Retained earnings to average equity (ytd only) | 6.2543% | 2,723 |
| Net charge-offs to loans | -0.1068% | 4,637 |
| Credit loss provision to net charge-offs | -85.8333% | 3,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6041% | 2,160 |
| Assets per employee ($millions) | 3.1985% | 4,716 |
| Cash dividends to net income (ytd only)* | 57.8168% | 913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1083% | 3,406 |
| Loan loss allowance to noncurrent loans | 1,045.6140% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 1,145 |
| Noncurrent loans to loans | 0.1060% | 3,564 |
| Net loans and leases to total assets | 41.5673% | 4,120 |
| Net loans and leases to deposits | 47.6293% | 4,138 |
| Net loans and leases to core deposits | 57.8257% | 3,641 |
| Total domestic deposits to total assets | 87.2725% | 2,231 |
| Equity capital to assets | 10.5833% | 2,387 |
| Core capital (leverage) ratio | 8.7118% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6632% | 2,816 |
| Memoranda: |
| Average total assets | $401,197,250 | 2,000 |
| Average earning assets | $342,505,750 | 2,138 |
| Average equity | $38,884,500 | 2,144 |
| Average total loans | $149,794,250 | 2,671 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7607% | 2,172 |
| Cost of funding earning assets | 0.3509% | 2,313 |
| Net interest margin | 3.4098% | 2,112 |
| Noninterest income to average assets | 1.3823% | 621 |
| Noninterest expense to average assets | 2.7902% | 1,377 |
| Loan and lease loss provision to assets | -0.0025% | 4,385 |
| Net operating income to assets | 1.2294% | 2,082 |
| Return on assets (ROA) | 1.5307% | 1,278 |
| Pretax return on assets | 1.8890% | 1,049 |
| Return on Equity (ROE) | 16.2638% | 905 |
| Retained earnings to average equity (ytd only) | 3.2110% | 3,773 |
| Net charge-offs to loans | -0.1658% | 4,759 |
| Credit loss provision to net charge-offs | 4.1322% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3402% | 2,687 |
| Assets per employee ($millions) | 3.5626% | 4,643 |
| Cash dividends to net income (ytd only)* | 80.2568% | 483 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0763% | 3,518 |
| Loan loss allowance to noncurrent loans | 1,245.1852% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 1,419 |
| Noncurrent loans to loans | 0.0864% | 3,752 |
| Net loans and leases to total assets | 36.4433% | 4,447 |
| Net loans and leases to deposits | 41.7316% | 4,466 |
| Net loans and leases to core deposits | 51.9577% | 4,135 |
| Total domestic deposits to total assets | 87.3279% | 2,156 |
| Equity capital to assets | 9.5532% | 3,288 |
| Core capital (leverage) ratio | 8.4107% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4413% | 2,875 |
| Memoranda: |
| Average total assets | $406,991,667 | 1,979 |
| Average earning assets | $348,818,667 | 2,097 |
| Average equity | $38,306,000 | 2,160 |
| Average total loans | $145,949,333 | 2,728 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7197% | 2,317 |
| Cost of funding earning assets | 0.3914% | 2,162 |
| Net interest margin | 3.3283% | 2,305 |
| Noninterest income to average assets | 1.1934% | 865 |
| Noninterest expense to average assets | 1.8208% | 4,172 |
| Loan and lease loss provision to assets | 0.0040% | 2,700 |
| Net operating income to assets | 1.7521% | 856 |
| Return on assets (ROA) | 2.5093% | 289 |
| Pretax return on assets | 3.1778% | 195 |
| Return on Equity (ROE) | 26.8756% | 208 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,366 |
| Net charge-offs to loans | -0.2840% | 4,842 |
| Credit loss provision to net charge-offs | -4.0000% | 2,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2542% | 4,562 |
| Assets per employee ($millions) | 3.7566% | 4,602 |
| Cash dividends to net income (ytd only)* | 100.0000% | 414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1305% | 3,289 |
| Loan loss allowance to noncurrent loans | 1,254.8872% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 1,506 |
| Noncurrent loans to loans | 0.0901% | 3,852 |
| Net loans and leases to total assets | 37.0064% | 4,457 |
| Net loans and leases to deposits | 42.1484% | 4,493 |
| Net loans and leases to core deposits | 55.9588% | 3,979 |
| Total domestic deposits to total assets | 87.8002% | 1,941 |
| Equity capital to assets | 8.9717% | 3,716 |
| Core capital (leverage) ratio | 9.4247% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5516% | 2,061 |
| Memoranda: |
| Average total assets | $398,510,500 | 1,998 |
| Average earning assets | $341,317,000 | 2,119 |
| Average equity | $37,208,500 | 2,195 |
| Average total loans | $140,832,000 | 2,776 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8568% | 3,146 |
| Cost of funding earning assets | 0.7828% | 1,283 |
| Net interest margin | 3.0740% | 3,690 |
| Noninterest income to average assets | 0.9204% | 1,217 |
| Noninterest expense to average assets | 2.9973% | 1,446 |
| Loan and lease loss provision to assets | 0.3425% | 1,025 |
| Net operating income to assets | 0.0953% | 4,672 |
| Return on assets (ROA) | 1.0246% | 2,342 |
| Pretax return on assets | 1.3686% | 1,756 |
| Return on Equity (ROE) | 11.2757% | 1,535 |
| Retained earnings to average equity (ytd only) | 7.8143% | 1,112 |
| Net charge-offs to loans | 0.8647% | 159 |
| Credit loss provision to net charge-offs | 132.9102% | 2,531 |
| Earnings coverage of net charge-offs (x) | 2.0752% | 3,204 |
| Efficiency ratio | 83.9709% | 635 |
| Assets per employee ($millions) | 3.9469% | 4,410 |
| Cash dividends to net income (ytd only)* | 30.6974% | 2,810 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1677% | 3,120 |
| Loan loss allowance to noncurrent loans | 145.9888% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 1,241 |
| Noncurrent loans to loans | 0.7998% | 1,744 |
| Net loans and leases to total assets | 32.9032% | 4,681 |
| Net loans and leases to deposits | 38.0507% | 4,700 |
| Net loans and leases to core deposits | 53.7092% | 4,272 |
| Total domestic deposits to total assets | 86.4720% | 2,161 |
| Equity capital to assets | 9.6947% | 3,414 |
| Core capital (leverage) ratio | 9.4068% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0866% | 2,205 |
| Memoranda: |
| Average total assets | $397,420,200 | 1,874 |
| Average earning assets | $337,640,000 | 1,992 |
| Average equity | $36,113,200 | 2,168 |
| Average total loans | $118,425,400 | 2,999 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8773% | 3,331 |
| Cost of funding earning assets | 0.8700% | 1,174 |
| Net interest margin | 3.0073% | 3,960 |
| Noninterest income to average assets | 0.9980% | 1,029 |
| Noninterest expense to average assets | 2.9518% | 1,559 |
| Loan and lease loss provision to assets | 0.3888% | 937 |
| Net operating income to assets | 0.1737% | 4,628 |
| Return on assets (ROA) | 1.0081% | 2,440 |
| Pretax return on assets | 1.1986% | 2,395 |
| Return on Equity (ROE) | 11.2853% | 1,593 |
| Retained earnings to average equity (ytd only) | 6.5753% | 1,856 |
| Net charge-offs to loans | 1.0804% | 127 |
| Credit loss provision to net charge-offs | 124.4612% | 2,472 |
| Earnings coverage of net charge-offs (x) | 1.9019% | 3,033 |
| Efficiency ratio | 82.3541% | 713 |
| Assets per employee ($millions) | 3.9077% | 4,399 |
| Cash dividends to net income (ytd only)* | 41.7362% | 1,858 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1820% | 2,763 |
| Loan loss allowance to noncurrent loans | 136.2360% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 1,471 |
| Noncurrent loans to loans | 0.8676% | 1,713 |
| Net loans and leases to total assets | 29.3678% | 4,840 |
| Net loans and leases to deposits | 33.8993% | 4,856 |
| Net loans and leases to core deposits | 49.2022% | 4,599 |
| Total domestic deposits to total assets | 86.6325% | 1,803 |
| Equity capital to assets | 9.0327% | 4,096 |
| Core capital (leverage) ratio | 8.9780% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8358% | 2,271 |
| Memoranda: |
| Average total assets | $396,130,000 | 1,857 |
| Average earning assets | $335,622,500 | 1,976 |
| Average equity | $35,384,250 | 2,198 |
| Average total loans | $114,525,000 | 3,049 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9244% | 3,549 |
| Cost of funding earning assets | 1.0184% | 931 |
| Net interest margin | 2.9060% | 4,297 |
| Noninterest income to average assets | 1.0930% | 831 |
| Noninterest expense to average assets | 2.9628% | 1,679 |
| Loan and lease loss provision to assets | 0.2861% | 1,500 |
| Net operating income to assets | 0.2540% | 4,502 |
| Return on assets (ROA) | 0.9685% | 2,559 |
| Pretax return on assets | 1.1612% | 2,494 |
| Return on Equity (ROE) | 10.8853% | 1,670 |
| Retained earnings to average equity (ytd only) | 3.6822% | 3,073 |
| Net charge-offs to loans | 0.0179% | 2,369 |
| Credit loss provision to net charge-offs | 5,580.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 114.4000% | 647 |
| Efficiency ratio | 82.5798% | 723 |
| Assets per employee ($millions) | 4.0257% | 4,283 |
| Cash dividends to net income (ytd only)* | 66.1726% | 1,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4643% | 1,370 |
| Loan loss allowance to noncurrent loans | 77.1168% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 829 |
| Noncurrent loans to loans | 1.8988% | 721 |
| Net loans and leases to total assets | 28.8224% | 4,875 |
| Net loans and leases to deposits | 33.3388% | 4,898 |
| Net loans and leases to core deposits | 49.3927% | 4,630 |
| Total domestic deposits to total assets | 86.4531% | 1,820 |
| Equity capital to assets | 8.7780% | 4,287 |
| Core capital (leverage) ratio | 8.7691% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4165% | 2,435 |
| Memoranda: |
| Average total assets | $390,101,667 | 1,848 |
| Average earning assets | $329,732,667 | 1,978 |
| Average equity | $34,707,333 | 2,222 |
| Average total loans | $111,666,333 | 3,077 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0390% | 3,682 |
| Cost of funding earning assets | 1.2087% | 752 |
| Net interest margin | 2.8304% | 4,536 |
| Noninterest income to average assets | 1.2376% | 574 |
| Noninterest expense to average assets | 3.2226% | 1,379 |
| Loan and lease loss provision to assets | 0.0180% | 3,568 |
| Net operating income to assets | 0.3128% | 4,317 |
| Return on assets (ROA) | 0.9147% | 2,579 |
| Pretax return on assets | 1.1021% | 2,516 |
| Return on Equity (ROE) | 10.2061% | 1,679 |
| Retained earnings to average equity (ytd only) | -4.5597% | 4,485 |
| Net charge-offs to loans | 0.0374% | 1,669 |
| Credit loss provision to net charge-offs | 170.0000% | 1,510 |
| Earnings coverage of net charge-offs (x) | 37.3000% | 1,061 |
| Efficiency ratio | 88.1768% | 579 |
| Assets per employee ($millions) | 3.7354% | 4,240 |
| Cash dividends to net income (ytd only)* | 144.6759% | 482 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1744% | 2,805 |
| Loan loss allowance to noncurrent loans | 88.5305% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.3102% | 893 |
| Noncurrent loans to loans | 1.3265% | 1,222 |
| Net loans and leases to total assets | 27.0123% | 4,948 |
| Net loans and leases to deposits | 30.8928% | 4,966 |
| Net loans and leases to core deposits | 43.4511% | 4,819 |
| Total domestic deposits to total assets | 87.4389% | 1,364 |
| Equity capital to assets | 8.7097% | 4,733 |
| Core capital (leverage) ratio | 8.6786% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9233% | 2,747 |
| Memoranda: |
| Average total assets | $377,828,000 | 1,854 |
| Average earning assets | $317,699,000 | 1,987 |
| Average equity | $33,862,000 | 2,252 |
| Average total loans | $106,855,500 | 3,123 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4239% | 3,179 |
| Cost of funding earning assets | 1.4975% | 396 |
| Net interest margin | 2.9264% | 4,626 |
| Noninterest income to average assets | 0.8718% | 1,242 |
| Noninterest expense to average assets | 4.1024% | 468 |
| Loan and lease loss provision to assets | 0.1405% | 1,517 |
| Net operating income to assets | -0.9029% | 5,089 |
| Return on assets (ROA) | 0.5895% | 4,251 |
| Pretax return on assets | 0.5784% | 4,447 |
| Return on Equity (ROE) | 6.3173% | 3,810 |
| Retained earnings to average equity (ytd only) | -0.7585% | 4,786 |
| Net charge-offs to loans | 0.6208% | 297 |
| Credit loss provision to net charge-offs | 79.0490% | 2,806 |
| Earnings coverage of net charge-offs (x) | -4.3522% | 3,677 |
| Efficiency ratio | 122.2451% | 73 |
| Assets per employee ($millions) | 3.9459% | 3,980 |
| Cash dividends to net income (ytd only)* | 112.0072% | 209 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1313% | 2,783 |
| Loan loss allowance to noncurrent loans | 78.7179% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9719% | 1,290 |
| Noncurrent loans to loans | 1.4372% | 1,019 |
| Net loans and leases to total assets | 28.9340% | 4,984 |
| Net loans and leases to deposits | 33.7117% | 4,999 |
| Net loans and leases to core deposits | 43.4596% | 4,884 |
| Total domestic deposits to total assets | 85.8277% | 2,129 |
| Equity capital to assets | 9.2243% | 4,550 |
| Core capital (leverage) ratio | 9.0494% | 4,488 |
| Tier 1 risk-based capital ratio | 12.9666% | 3,806 |
| Total risk-based capital ratio | 13.4542% | 4,119 |
| Memoranda: |
| Average total assets | $378,652,200 | 1,808 |
| Average earning assets | $317,929,200 | 1,926 |
| Average equity | $35,331,400 | 2,120 |
| Average total loans | $108,405,200 | 3,109 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4589% | 3,180 |
| Cost of funding earning assets | 1.5540% | 345 |
| Net interest margin | 2.9049% | 4,750 |
| Noninterest income to average assets | 0.9291% | 1,079 |
| Noninterest expense to average assets | 4.3493% | 344 |
| Loan and lease loss provision to assets | 0.1811% | 1,007 |
| Net operating income to assets | -1.0864% | 5,181 |
| Return on assets (ROA) | 0.7781% | 3,815 |
| Pretax return on assets | 0.6979% | 4,344 |
| Return on Equity (ROE) | 8.3156% | 3,188 |
| Retained earnings to average equity (ytd only) | -1.0446% | 4,862 |
| Net charge-offs to loans | 0.8194% | 191 |
| Credit loss provision to net charge-offs | 77.6276% | 2,535 |
| Earnings coverage of net charge-offs (x) | -4.2237% | 3,416 |
| Efficiency ratio | 127.9838% | 65 |
| Assets per employee ($millions) | 3.5484% | 4,449 |
| Cash dividends to net income (ytd only)* | 112.5619% | 221 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1001% | 3,030 |
| Loan loss allowance to noncurrent loans | 24.0536% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 436 |
| Noncurrent loans to loans | 4.5736% | 123 |
| Net loans and leases to total assets | 30.6028% | 5,046 |
| Net loans and leases to deposits | 34.5578% | 5,082 |
| Net loans and leases to core deposits | 44.5863% | 4,945 |
| Total domestic deposits to total assets | 88.5555% | 801 |
| Equity capital to assets | 10.3628% | 3,665 |
| Core capital (leverage) ratio | 9.0919% | 4,562 |
| Tier 1 risk-based capital ratio | 13.0679% | 3,810 |
| Total risk-based capital ratio | 13.5551% | 4,136 |
| Memoranda: |
| Average total assets | $380,587,000 | 1,817 |
| Average earning assets | $318,992,500 | 1,937 |
| Average equity | $35,610,750 | 2,125 |
| Average total loans | $108,369,500 | 3,148 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5114% | 2,979 |
| Cost of funding earning assets | 1.5894% | 282 |
| Net interest margin | 2.9219% | 4,801 |
| Noninterest income to average assets | 0.9810% | 908 |
| Noninterest expense to average assets | 4.4213% | 330 |
| Loan and lease loss provision to assets | 0.1763% | 1,017 |
| Net operating income to assets | -1.1047% | 5,230 |
| Return on assets (ROA) | 1.0335% | 2,869 |
| Pretax return on assets | 0.9779% | 3,623 |
| Return on Equity (ROE) | 11.4241% | 1,817 |
| Retained earnings to average equity (ytd only) | 2.8774% | 3,779 |
| Net charge-offs to loans | 0.8128% | 176 |
| Credit loss provision to net charge-offs | 78.2609% | 2,241 |
| Earnings coverage of net charge-offs (x) | -4.3684% | 3,140 |
| Efficiency ratio | 127.3545% | 63 |
| Assets per employee ($millions) | 3.6384% | 4,329 |
| Cash dividends to net income (ytd only)* | 74.8130% | 957 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2014% | 2,517 |
| Loan loss allowance to noncurrent loans | 32.1321% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5918% | 682 |
| Noncurrent loans to loans | 3.7390% | 206 |
| Net loans and leases to total assets | 27.4456% | 5,133 |
| Net loans and leases to deposits | 30.8122% | 5,164 |
| Net loans and leases to core deposits | 43.2294% | 5,013 |
| Total domestic deposits to total assets | 89.0738% | 638 |
| Equity capital to assets | 9.9045% | 4,058 |
| Core capital (leverage) ratio | 8.6538% | 4,878 |
| Tier 1 risk-based capital ratio | 13.3375% | 3,669 |
| Total risk-based capital ratio | 13.8461% | 3,964 |
| Memoranda: |
| Average total assets | $387,986,330 | 1,798 |
| Average earning assets | $326,154,330 | 1,924 |
| Average equity | $35,101,330 | 2,135 |
| Average total loans | $107,527,000 | 3,173 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5361% | 2,744 |
| Cost of funding earning assets | 1.5225% | 300 |
| Net interest margin | 3.0136% | 4,732 |
| Noninterest income to average assets | 0.9924% | 826 |
| Noninterest expense to average assets | 3.3773% | 1,146 |
| Loan and lease loss provision to assets | 0.3990% | 291 |
| Net operating income to assets | 0.1361% | 5,066 |
| Return on assets (ROA) | 0.1402% | 5,068 |
| Pretax return on assets | -0.2312% | 5,202 |
| Return on Equity (ROE) | 1.6245% | 5,009 |
| Retained earnings to average equity (ytd only) | -16.1622% | 5,219 |
| Net charge-offs to loans | 0.0333% | 1,791 |
| Credit loss provision to net charge-offs | 4,333.3333% | 93 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,649 |
| Efficiency ratio | 94.1908% | 270 |
| Assets per employee ($millions) | 3.8059% | 4,183 |
| Cash dividends to net income (ytd only)* | 1,094.8905% | 19 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6311% | 1,006 |
| Loan loss allowance to noncurrent loans | 21.9314% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.0367% | 470 |
| Noncurrent loans to loans | 7.4375% | 50 |
| Net loans and leases to total assets | 26.9378% | 5,195 |
| Net loans and leases to deposits | 29.9376% | 5,221 |
| Net loans and leases to core deposits | 42.7906% | 5,065 |
| Total domestic deposits to total assets | 89.9799% | 452 |
| Equity capital to assets | 9.0211% | 4,665 |
| Core capital (leverage) ratio | 8.1957% | 5,141 |
| Tier 1 risk-based capital ratio | 12.1157% | 4,402 |
| Total risk-based capital ratio | 12.7894% | 4,611 |
| Memoranda: |
| Average total assets | $390,965,500 | 1,806 |
| Average earning assets | $330,502,000 | 1,920 |
| Average equity | $33,733,000 | 2,201 |
| Average total loans | $108,228,000 | 3,192 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6331% | 2,044 |
| Cost of funding earning assets | 1.2722% | 248 |
| Net interest margin | 3.3609% | 4,104 |
| Noninterest income to average assets | 0.6103% | 2,236 |
| Noninterest expense to average assets | 3.0525% | 1,922 |
| Loan and lease loss provision to assets | 0.1754% | 1,127 |
| Net operating income to assets | 0.4027% | 4,859 |
| Return on assets (ROA) | 0.4320% | 4,800 |
| Pretax return on assets | 0.2566% | 5,078 |
| Return on Equity (ROE) | 5.2431% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2431% | 2,633 |
| Net charge-offs to loans | 2.3299% | 45 |
| Credit loss provision to net charge-offs | 25.1903% | 3,376 |
| Earnings coverage of net charge-offs (x) | 0.5785% | 3,688 |
| Efficiency ratio | 86.4174% | 505 |
| Assets per employee ($millions) | 4.0618% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2547% | 2,271 |
| Loan loss allowance to noncurrent loans | 15.9334% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.2035% | 396 |
| Noncurrent loans to loans | 7.8748% | 46 |
| Net loans and leases to total assets | 27.6305% | 5,237 |
| Net loans and leases to deposits | 31.9320% | 5,245 |
| Net loans and leases to core deposits | 44.5028% | 5,071 |
| Total domestic deposits to total assets | 86.5291% | 2,003 |
| Equity capital to assets | 8.2331% | 5,073 |
| Core capital (leverage) ratio | 8.5774% | 4,970 |
| Tier 1 risk-based capital ratio | 12.3592% | 4,206 |
| Total risk-based capital ratio | 12.8753% | 4,546 |
| Memoranda: |
| Average total assets | $396,337,000 | 1,730 |
| Average earning assets | $335,474,400 | 1,866 |
| Average equity | $32,652,200 | 2,176 |
| Average total loans | $118,416,000 | 3,012 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6474% | 1,843 |
| Cost of funding earning assets | 1.2028% | 254 |
| Net interest margin | 3.4446% | 3,875 |
| Noninterest income to average assets | 0.6818% | 1,925 |
| Noninterest expense to average assets | 2.9809% | 2,067 |
| Loan and lease loss provision to assets | 0.4372% | 278 |
| Net operating income to assets | 0.4620% | 4,835 |
| Return on assets (ROA) | 0.4895% | 4,787 |
| Pretax return on assets | 0.2101% | 5,198 |
| Return on Equity (ROE) | 5.9408% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.9408% | 2,686 |
| Net charge-offs to loans | 2.6049% | 38 |
| Credit loss provision to net charge-offs | 55.3201% | 2,789 |
| Earnings coverage of net charge-offs (x) | 0.7842% | 3,391 |
| Efficiency ratio | 80.9993% | 860 |
| Assets per employee ($millions) | 4.0422% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1193% | 405 |
| Loan loss allowance to noncurrent loans | 23.4529% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.6426% | 315 |
| Noncurrent loans to loans | 9.0363% | 38 |
| Net loans and leases to total assets | 28.6248% | 5,297 |
| Net loans and leases to deposits | 34.4567% | 5,294 |
| Net loans and leases to core deposits | 48.6893% | 5,053 |
| Total domestic deposits to total assets | 83.0749% | 3,281 |
| Equity capital to assets | 8.0287% | 5,164 |
| Core capital (leverage) ratio | 8.8601% | 4,839 |
| Tier 1 risk-based capital ratio | 13.0214% | 3,893 |
| Total risk-based capital ratio | 13.9307% | 3,993 |
| Memoranda: |
| Average total assets | $397,939,250 | 1,725 |
| Average earning assets | $337,213,500 | 1,872 |
| Average equity | $32,789,500 | 2,172 |
| Average total loans | $120,743,000 | 3,012 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4623% | 2,208 |
| Cost of funding earning assets | 1.1134% | 275 |
| Net interest margin | 3.3489% | 4,110 |
| Noninterest income to average assets | 0.6938% | 1,890 |
| Noninterest expense to average assets | 2.9134% | 2,317 |
| Loan and lease loss provision to assets | 0.5240% | 215 |
| Net operating income to assets | 0.3914% | 4,973 |
| Return on assets (ROA) | 0.4703% | 4,825 |
| Pretax return on assets | 0.1962% | 5,243 |
| Return on Equity (ROE) | 5.6455% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.6455% | 2,749 |
| Net charge-offs to loans | -0.0048% | 4,092 |
| Credit loss provision to net charge-offs | -35,166.6667% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0815% | 912 |
| Assets per employee ($millions) | 4.2711% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7676% | 66 |
| Loan loss allowance to noncurrent loans | 30.5344% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 3.7028% | 170 |
| Noncurrent loans to loans | 12.3388% | 17 |
| Net loans and leases to total assets | 28.8790% | 5,348 |
| Net loans and leases to deposits | 33.7512% | 5,351 |
| Net loans and leases to core deposits | 47.0897% | 5,122 |
| Total domestic deposits to total assets | 85.5643% | 2,469 |
| Equity capital to assets | 8.1771% | 5,147 |
| Core capital (leverage) ratio | 8.5969% | 5,041 |
| Tier 1 risk-based capital ratio | 12.9930% | 3,897 |
| Total risk-based capital ratio | 14.2480% | 3,815 |
| Memoranda: |
| Average total assets | $402,689,000 | 1,714 |
| Average earning assets | $343,992,330 | 1,846 |
| Average equity | $33,548,670 | 2,142 |
| Average total loans | $125,018,000 | 2,982 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3554% | 2,334 |
| Cost of funding earning assets | 1.0482% | 297 |
| Net interest margin | 3.3072% | 4,173 |
| Noninterest income to average assets | 0.6798% | 1,912 |
| Noninterest expense to average assets | 2.6283% | 3,249 |
| Loan and lease loss provision to assets | 0.4538% | 237 |
| Net operating income to assets | 0.6877% | 4,144 |
| Return on assets (ROA) | 0.4963% | 4,713 |
| Pretax return on assets | 0.2358% | 5,234 |
| Return on Equity (ROE) | 5.9032% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.9032% | 2,755 |
| Net charge-offs to loans | -0.0188% | 4,522 |
| Credit loss provision to net charge-offs | -7,666.6667% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0231% | 1,897 |
| Assets per employee ($millions) | 4.3581% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1511% | 129 |
| Loan loss allowance to noncurrent loans | 27.7450% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 3.4673% | 207 |
| Noncurrent loans to loans | 11.3574% | 20 |
| Net loans and leases to total assets | 29.5671% | 5,373 |
| Net loans and leases to deposits | 32.6927% | 5,411 |
| Net loans and leases to core deposits | 44.5666% | 5,193 |
| Total domestic deposits to total assets | 90.4394% | 488 |
| Equity capital to assets | 7.9837% | 5,276 |
| Core capital (leverage) ratio | 8.6479% | 5,022 |
| Tier 1 risk-based capital ratio | 12.4916% | 4,243 |
| Total risk-based capital ratio | 13.7434% | 4,149 |
| Memoranda: |
| Average total assets | $405,429,000 | 1,713 |
| Average earning assets | $346,881,000 | 1,843 |
| Average equity | $34,083,000 | 2,138 |
| Average total loans | $127,926,500 | 2,962 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2372% | 2,552 |
| Cost of funding earning assets | 0.8804% | 419 |
| Net interest margin | 3.3568% | 3,986 |
| Noninterest income to average assets | 0.5941% | 2,478 |
| Noninterest expense to average assets | 3.4903% | 1,056 |
| Loan and lease loss provision to assets | 0.7970% | 142 |
| Net operating income to assets | -0.3991% | 5,503 |
| Return on assets (ROA) | -0.4497% | 5,518 |
| Pretax return on assets | -0.8833% | 5,584 |
| Return on Equity (ROE) | -5.5867% | 5,549 |
| Retained earnings to average equity (ytd only) | -10.0776% | 5,536 |
| Net charge-offs to loans | 0.9027% | 215 |
| Credit loss provision to net charge-offs | 265.1965% | 1,058 |
| Earnings coverage of net charge-offs (x) | -0.0241% | 4,018 |
| Efficiency ratio | 99.3427% | 182 |
| Assets per employee ($millions) | 4.1810% | 3,687 |
| Cash dividends to net income (ytd only)* | -80.3859% | 5,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5984% | 220 |
| Loan loss allowance to noncurrent loans | 24.7156% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 3.4249% | 200 |
| Noncurrent loans to loans | 10.5132% | 21 |
| Net loans and leases to total assets | 31.7305% | 5,398 |
| Net loans and leases to deposits | 37.9308% | 5,394 |
| Net loans and leases to core deposits | 54.8557% | 4,970 |
| Total domestic deposits to total assets | 83.6537% | 3,327 |
| Equity capital to assets | 8.8293% | 4,871 |
| Core capital (leverage) ratio | 8.6786% | 4,969 |
| Tier 1 risk-based capital ratio | 12.3507% | 4,293 |
| Total risk-based capital ratio | 13.5911% | 4,214 |
| Memoranda: |
| Average total assets | $414,944,800 | 1,653 |
| Average earning assets | $357,123,400 | 1,772 |
| Average equity | $33,400,800 | 2,156 |
| Average total loans | $138,143,600 | 2,808 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2188% | 2,548 |
| Cost of funding earning assets | 0.8586% | 434 |
| Net interest margin | 3.3602% | 3,982 |
| Noninterest income to average assets | 0.4035% | 3,661 |
| Noninterest expense to average assets | 3.4316% | 1,101 |
| Loan and lease loss provision to assets | 0.7902% | 137 |
| Net operating income to assets | -0.1316% | 5,562 |
| Return on assets (ROA) | -0.2166% | 5,585 |
| Pretax return on assets | -1.0589% | 5,664 |
| Return on Equity (ROE) | -2.7561% | 5,601 |
| Retained earnings to average equity (ytd only) | -8.8537% | 5,603 |
| Net charge-offs to loans | 1.2268% | 137 |
| Credit loss provision to net charge-offs | 192.4514% | 1,384 |
| Earnings coverage of net charge-offs (x) | -0.3307% | 3,708 |
| Efficiency ratio | 103.2089% | 144 |
| Assets per employee ($millions) | 3.8741% | 4,201 |
| Cash dividends to net income (ytd only)* | -221.2383% | 5,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8736% | 741 |
| Loan loss allowance to noncurrent loans | 17.5351% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 3.6960% | 192 |
| Noncurrent loans to loans | 10.6847% | 21 |
| Net loans and leases to total assets | 33.9430% | 5,416 |
| Net loans and leases to deposits | 38.1481% | 5,456 |
| Net loans and leases to core deposits | 59.3000% | 4,849 |
| Total domestic deposits to total assets | 88.9769% | 902 |
| Equity capital to assets | 8.7235% | 5,132 |
| Core capital (leverage) ratio | 8.6157% | 5,141 |
| Tier 1 risk-based capital ratio | 12.9513% | 4,044 |
| Total risk-based capital ratio | 13.9276% | 4,111 |
| Memoranda: |
| Average total assets | $417,291,250 | 1,657 |
| Average earning assets | $359,181,000 | 1,767 |
| Average equity | $32,799,000 | 2,194 |
| Average total loans | $139,649,750 | 2,804 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2492% | 2,294 |
| Cost of funding earning assets | 0.8302% | 447 |
| Net interest margin | 3.4190% | 3,705 |
| Noninterest income to average assets | 0.3414% | 4,109 |
| Noninterest expense to average assets | 3.3207% | 1,335 |
| Loan and lease loss provision to assets | 0.8162% | 124 |
| Net operating income to assets | -0.0747% | 5,578 |
| Return on assets (ROA) | -0.2854% | 5,643 |
| Pretax return on assets | -1.1746% | 5,725 |
| Return on Equity (ROE) | -3.7592% | 5,667 |
| Retained earnings to average equity (ytd only) | -13.0640% | 5,688 |
| Net charge-offs to loans | 1.7165% | 100 |
| Credit loss provision to net charge-offs | 143.5791% | 1,561 |
| Earnings coverage of net charge-offs (x) | -0.0514% | 3,412 |
| Efficiency ratio | 100.0000% | 187 |
| Assets per employee ($millions) | 3.9211% | 4,098 |
| Cash dividends to net income (ytd only)* | -247.5248% | 5,781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3504% | 2,171 |
| Loan loss allowance to noncurrent loans | 46.7274% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 1,719 |
| Noncurrent loans to loans | 2.8899% | 460 |
| Net loans and leases to total assets | 34.6863% | 5,423 |
| Net loans and leases to deposits | 40.5797% | 5,435 |
| Net loans and leases to core deposits | 60.7413% | 4,785 |
| Total domestic deposits to total assets | 85.4769% | 2,622 |
| Equity capital to assets | 8.4719% | 5,323 |
| Core capital (leverage) ratio | 8.3056% | 5,349 |
| Tier 1 risk-based capital ratio | 12.4583% | 4,328 |
| Total risk-based capital ratio | 13.1536% | 4,596 |
| Memoranda: |
| Average total assets | $424,667,670 | 1,633 |
| Average earning assets | $366,423,670 | 1,738 |
| Average equity | $32,241,330 | 2,218 |
| Average total loans | $140,636,000 | 2,790 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1727% | 2,375 |
| Cost of funding earning assets | 0.8099% | 459 |
| Net interest margin | 3.3627% | 3,793 |
| Noninterest income to average assets | 0.2929% | 4,460 |
| Noninterest expense to average assets | 3.1312% | 1,786 |
| Loan and lease loss provision to assets | 1.3583% | 58 |
| Net operating income to assets | -0.3803% | 5,722 |
| Return on assets (ROA) | -0.1126% | 5,657 |
| Pretax return on assets | -0.8750% | 5,763 |
| Return on Equity (ROE) | -1.5659% | 5,671 |
| Retained earnings to average equity (ytd only) | -20.6617% | 5,734 |
| Net charge-offs to loans | 3.1712% | 48 |
| Credit loss provision to net charge-offs | 133.0942% | 1,295 |
| Earnings coverage of net charge-offs (x) | 0.0637% | 2,850 |
| Efficiency ratio | 97.0790% | 292 |
| Assets per employee ($millions) | 4.1996% | 3,662 |
| Cash dividends to net income (ytd only)* | -1,219.5122% | 5,849 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2430% | 2,874 |
| Loan loss allowance to noncurrent loans | 28.0787% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 1,151 |
| Noncurrent loans to loans | 4.4268% | 216 |
| Net loans and leases to total assets | 31.9967% | 5,540 |
| Net loans and leases to deposits | 37.7280% | 5,531 |
| Net loans and leases to core deposits | 59.7512% | 4,789 |
| Total domestic deposits to total assets | 84.8089% | 3,165 |
| Equity capital to assets | 7.1017% | 5,746 |
| Core capital (leverage) ratio | 7.8895% | 5,599 |
| Tier 1 risk-based capital ratio | 11.6874% | 4,921 |
| Total risk-based capital ratio | 12.2778% | 5,204 |
| Memoranda: |
| Average total assets | $437,027,500 | 1,613 |
| Average earning assets | $377,311,000 | 1,702 |
| Average equity | $31,420,500 | 2,266 |
| Average total loans | $140,641,000 | 2,808 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4506% | 1,688 |
| Cost of funding earning assets | 0.7390% | 664 |
| Net interest margin | 3.7115% | 2,645 |
| Noninterest income to average assets | 0.5381% | 2,987 |
| Noninterest expense to average assets | 4.0241% | 577 |
| Loan and lease loss provision to assets | 0.9541% | 112 |
| Net operating income to assets | -0.9462% | 5,833 |
| Return on assets (ROA) | 0.7252% | 3,780 |
| Pretax return on assets | 0.4473% | 5,128 |
| Return on Equity (ROE) | 8.2203% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.2203% | 781 |
| Net charge-offs to loans | 2.8218% | 42 |
| Credit loss provision to net charge-offs | 104.4431% | 2,482 |
| Earnings coverage of net charge-offs (x) | -0.2956% | 4,149 |
| Efficiency ratio | 107.1927% | 146 |
| Assets per employee ($millions) | 4.5051% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9728% | 4,465 |
| Loan loss allowance to noncurrent loans | 46.0275% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 2,684 |
| Noncurrent loans to loans | 2.1136% | 828 |
| Net loans and leases to total assets | 31.6565% | 5,609 |
| Net loans and leases to deposits | 37.1555% | 5,617 |
| Net loans and leases to core deposits | 58.4105% | 4,941 |
| Total domestic deposits to total assets | 85.2002% | 2,957 |
| Equity capital to assets | 7.2757% | 5,762 |
| Core capital (leverage) ratio | 8.6763% | 5,100 |
| Tier 1 risk-based capital ratio | 11.7144% | 4,914 |
| Total risk-based capital ratio | 12.1580% | 5,278 |
| Memoranda: |
| Average total assets | $354,784,600 | 1,883 |
| Average earning assets | $307,422,200 | 1,996 |
| Average equity | $31,300,400 | 2,272 |
| Average total loans | $114,854,000 | 3,143 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5336% | 1,442 |
| Cost of funding earning assets | 0.7357% | 679 |
| Net interest margin | 3.7980% | 2,341 |
| Noninterest income to average assets | 0.5031% | 3,227 |
| Noninterest expense to average assets | 3.4967% | 1,152 |
| Loan and lease loss provision to assets | 1.0167% | 102 |
| Net operating income to assets | -0.6661% | 5,879 |
| Return on assets (ROA) | 1.5106% | 911 |
| Pretax return on assets | 1.6495% | 1,252 |
| Return on Equity (ROE) | 16.1822% | 525 |
| Retained earnings to average equity (ytd only) | 16.1822% | 104 |
| Net charge-offs to loans | 2.7877% | 41 |
| Credit loss provision to net charge-offs | 112.1908% | 2,198 |
| Earnings coverage of net charge-offs (x) | 0.3313% | 3,801 |
| Efficiency ratio | 92.0936% | 461 |
| Assets per employee ($millions) | 4.0348% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0346% | 4,214 |
| Loan loss allowance to noncurrent loans | 103.3654% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 4,022 |
| Noncurrent loans to loans | 1.0010% | 2,241 |
| Net loans and leases to total assets | 34.3061% | 5,613 |
| Net loans and leases to deposits | 42.8236% | 5,555 |
| Net loans and leases to core deposits | 62.2756% | 4,811 |
| Total domestic deposits to total assets | 80.1103% | 4,490 |
| Equity capital to assets | 9.8215% | 4,336 |
| Core capital (leverage) ratio | 9.1960% | 4,598 |
| Tier 1 risk-based capital ratio | 12.2318% | 4,653 |
| Total risk-based capital ratio | 12.7062% | 5,023 |
| Memoranda: |
| Average total assets | $333,106,250 | 1,991 |
| Average earning assets | $288,885,000 | 2,115 |
| Average equity | $31,095,000 | 2,298 |
| Average total loans | $108,283,500 | 3,246 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5309% | 1,429 |
| Cost of funding earning assets | 0.7073% | 771 |
| Net interest margin | 3.8236% | 2,229 |
| Noninterest income to average assets | 0.5719% | 2,781 |
| Noninterest expense to average assets | 3.7243% | 849 |
| Loan and lease loss provision to assets | 1.1700% | 82 |
| Net operating income to assets | -0.8670% | 5,969 |
| Return on assets (ROA) | 1.0524% | 2,285 |
| Pretax return on assets | 0.9051% | 3,933 |
| Return on Equity (ROE) | 11.5503% | 1,461 |
| Retained earnings to average equity (ytd only) | 11.5503% | 382 |
| Net charge-offs to loans | 4.7408% | 23 |
| Credit loss provision to net charge-offs | 78.3106% | 2,382 |
| Earnings coverage of net charge-offs (x) | 0.1043% | 3,551 |
| Efficiency ratio | 95.9851% | 344 |
| Assets per employee ($millions) | 3.4921% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7218% | 5,478 |
| Loan loss allowance to noncurrent loans | 83.5414% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 4,413 |
| Noncurrent loans to loans | 0.8639% | 2,580 |
| Net loans and leases to total assets | 31.1726% | 5,759 |
| Net loans and leases to deposits | 36.4554% | 5,780 |
| Net loans and leases to core deposits | 59.0640% | 5,020 |
| Total domestic deposits to total assets | 85.5090% | 2,640 |
| Equity capital to assets | 9.7292% | 4,534 |
| Core capital (leverage) ratio | 9.0011% | 4,831 |
| Tier 1 risk-based capital ratio | 12.0836% | 4,774 |
| Total risk-based capital ratio | 12.4294% | 5,246 |
| Memoranda: |
| Average total assets | $304,268,670 | 2,153 |
| Average earning assets | $263,257,670 | 2,275 |
| Average equity | $27,722,330 | 2,552 |
| Average total loans | $95,891,330 | 3,483 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8037% | 838 |
| Cost of funding earning assets | 0.7353% | 675 |
| Net interest margin | 4.0685% | 1,427 |
| Noninterest income to average assets | 0.4666% | 3,358 |
| Noninterest expense to average assets | 3.8637% | 714 |
| Loan and lease loss provision to assets | 1.1700% | 80 |
| Net operating income to assets | -0.7238% | 6,003 |
| Return on assets (ROA) | 0.8857% | 2,952 |
| Pretax return on assets | 0.5578% | 4,933 |
| Return on Equity (ROE) | 10.0989% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.0989% | 827 |
| Net charge-offs to loans | 1.8051% | 87 |
| Credit loss provision to net charge-offs | 205.2506% | 1,061 |
| Earnings coverage of net charge-offs (x) | 0.2076% | 2,954 |
| Efficiency ratio | 97.0277% | 372 |
| Assets per employee ($millions) | 3.4960% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7213% | 1,309 |
| Loan loss allowance to noncurrent loans | 155.4935% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 4,119 |
| Noncurrent loans to loans | 1.1070% | 2,188 |
| Net loans and leases to total assets | 32.0863% | 5,778 |
| Net loans and leases to deposits | 39.5436% | 5,728 |
| Net loans and leases to core deposits | 57.6294% | 5,067 |
| Total domestic deposits to total assets | 81.1417% | 4,450 |
| Equity capital to assets | 8.8550% | 5,294 |
| Core capital (leverage) ratio | 8.4545% | 5,433 |
| Tier 1 risk-based capital ratio | 12.2446% | 4,755 |
| Total risk-based capital ratio | 13.0701% | 4,936 |
| Memoranda: |
| Average total assets | $294,020,000 | 2,225 |
| Average earning assets | $254,052,000 | 2,356 |
| Average equity | $25,785,000 | 2,678 |
| Average total loans | $92,850,000 | 3,557 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3511% | 2,057 |
| Cost of funding earning assets | 0.8004% | 489 |
| Net interest margin | 3.5507% | 3,322 |
| Noninterest income to average assets | 0.5752% | 2,857 |
| Noninterest expense to average assets | 3.6636% | 1,027 |
| Loan and lease loss provision to assets | 0.3256% | 498 |
| Net operating income to assets | -0.2168% | 5,971 |
| Return on assets (ROA) | 1.7432% | 556 |
| Pretax return on assets | 1.9264% | 630 |
| Return on Equity (ROE) | 21.2958% | 197 |
| Retained earnings to average equity (ytd only) | 4.8098% | 2,558 |
| Net charge-offs to loans | 1.0238% | 198 |
| Credit loss provision to net charge-offs | 112.3399% | 2,255 |
| Earnings coverage of net charge-offs (x) | 0.2561% | 4,246 |
| Efficiency ratio | 98.0143% | 338 |
| Assets per employee ($millions) | 2.9681% | 5,549 |
| Cash dividends to net income (ytd only)* | 77.4144% | 949 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3859% | 2,494 |
| Loan loss allowance to noncurrent loans | 667.9348% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 5,393 |
| Noncurrent loans to loans | 0.2075% | 4,673 |
| Net loans and leases to total assets | 30.0650% | 5,888 |
| Net loans and leases to deposits | 34.3652% | 5,921 |
| Net loans and leases to core deposits | 51.2218% | 5,442 |
| Total domestic deposits to total assets | 87.4868% | 1,890 |
| Equity capital to assets | 8.6827% | 5,402 |
| Core capital (leverage) ratio | 8.1327% | 5,755 |
| Tier 1 risk-based capital ratio | 13.1305% | 4,217 |
| Total risk-based capital ratio | 13.7995% | 4,495 |
| Memoranda: |
| Average total assets | $296,403,400 | 2,169 |
| Average earning assets | $264,004,200 | 2,241 |
| Average equity | $24,263,000 | 2,763 |
| Average total loans | $83,903,200 | 3,725 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2914% | 2,260 |
| Cost of funding earning assets | 0.8110% | 466 |
| Net interest margin | 3.4804% | 3,626 |
| Noninterest income to average assets | 0.5704% | 2,912 |
| Noninterest expense to average assets | 3.4118% | 1,455 |
| Loan and lease loss provision to assets | 0.1231% | 1,850 |
| Net operating income to assets | 0.1396% | 5,792 |
| Return on assets (ROA) | 2.2154% | 265 |
| Pretax return on assets | 2.6896% | 173 |
| Return on Equity (ROE) | 27.4713% | 78 |
| Retained earnings to average equity (ytd only) | 5.2633% | 2,746 |
| Net charge-offs to loans | 0.2579% | 1,021 |
| Credit loss provision to net charge-offs | 171.8750% | 1,521 |
| Earnings coverage of net charge-offs (x) | 3.9250% | 3,433 |
| Efficiency ratio | 92.3860% | 546 |
| Assets per employee ($millions) | 3.5908% | 4,623 |
| Cash dividends to net income (ytd only)* | 80.8407% | 716 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3565% | 2,813 |
| Loan loss allowance to noncurrent loans | 163.5403% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 4,825 |
| Noncurrent loans to loans | 0.8295% | 2,894 |
| Net loans and leases to total assets | 27.8566% | 6,032 |
| Net loans and leases to deposits | 36.4428% | 5,972 |
| Net loans and leases to core deposits | 55.8811% | 5,313 |
| Total domestic deposits to total assets | 76.4392% | 5,422 |
| Equity capital to assets | 7.3400% | 6,099 |
| Core capital (leverage) ratio | 8.1320% | 5,824 |
| Tier 1 risk-based capital ratio | 12.5449% | 4,725 |
| Total risk-based capital ratio | 13.1750% | 5,047 |
| Memoranda: |
| Average total assets | $297,785,250 | 2,175 |
| Average earning assets | $267,162,000 | 2,234 |
| Average equity | $24,014,750 | 2,803 |
| Average total loans | $82,708,750 | 3,787 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2646% | 2,303 |
| Cost of funding earning assets | 0.8153% | 455 |
| Net interest margin | 3.4493% | 3,711 |
| Noninterest income to average assets | 0.5323% | 3,155 |
| Noninterest expense to average assets | 3.6382% | 1,065 |
| Loan and lease loss provision to assets | 0.1175% | 1,889 |
| Net operating income to assets | -0.0646% | 6,034 |
| Return on assets (ROA) | 2.7160% | 128 |
| Pretax return on assets | 3.5082% | 95 |
| Return on Equity (ROE) | 32.5887% | 46 |
| Retained earnings to average equity (ytd only) | -0.5889% | 5,624 |
| Net charge-offs to loans | 0.3732% | 698 |
| Credit loss provision to net charge-offs | 114.0940% | 1,876 |
| Earnings coverage of net charge-offs (x) | 0.1409% | 3,698 |
| Efficiency ratio | 99.6026% | 332 |
| Assets per employee ($millions) | 3.4297% | 4,935 |
| Cash dividends to net income (ytd only)* | 101.8071% | 501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4150% | 2,686 |
| Loan loss allowance to noncurrent loans | 162.9630% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 4,948 |
| Noncurrent loans to loans | 0.8683% | 2,956 |
| Net loans and leases to total assets | 26.4085% | 6,126 |
| Net loans and leases to deposits | 34.4579% | 6,073 |
| Net loans and leases to core deposits | 46.1453% | 5,757 |
| Total domestic deposits to total assets | 76.6397% | 5,516 |
| Equity capital to assets | 7.1908% | 6,166 |
| Core capital (leverage) ratio | 8.1577% | 5,825 |
| Tier 1 risk-based capital ratio | 12.9674% | 4,536 |
| Total risk-based capital ratio | 13.6089% | 4,805 |
| Memoranda: |
| Average total assets | $289,322,670 | 2,240 |
| Average earning assets | $261,733,330 | 2,285 |
| Average equity | $24,112,670 | 2,800 |
| Average total loans | $79,857,330 | 3,889 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2060% | 2,432 |
| Cost of funding earning assets | 0.8673% | 346 |
| Net interest margin | 3.3387% | 4,064 |
| Noninterest income to average assets | 0.5666% | 2,855 |
| Noninterest expense to average assets | 4.3126% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5105% | 6,247 |
| Return on assets (ROA) | 4.7803% | 50 |
| Pretax return on assets | 6.8476% | 43 |
| Return on Equity (ROE) | 53.4492% | 18 |
| Retained earnings to average equity (ytd only) | 13.9508% | 364 |
| Net charge-offs to loans | 0.6099% | 400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -4.1570% | 3,227 |
| Efficiency ratio | 119.7332% | 132 |
| Assets per employee ($millions) | 3.4724% | 4,941 |
| Cash dividends to net income (ytd only)* | 73.8989% | 1,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2502% | 3,684 |
| Loan loss allowance to noncurrent loans | 73.9483% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 4,101 |
| Noncurrent loans to loans | 1.6906% | 1,632 |
| Net loans and leases to total assets | 28.1386% | 6,128 |
| Net loans and leases to deposits | 34.4453% | 6,112 |
| Net loans and leases to core deposits | 42.5643% | 5,887 |
| Total domestic deposits to total assets | 81.6908% | 4,611 |
| Equity capital to assets | 8.3582% | 5,832 |
| Core capital (leverage) ratio | 8.1333% | 5,860 |
| Tier 1 risk-based capital ratio | 14.7102% | 3,603 |
| Total risk-based capital ratio | 15.3487% | 3,871 |
| Memoranda: |
| Average total assets | $283,076,000 | 2,296 |
| Average earning assets | $257,348,000 | 2,331 |
| Average equity | $25,317,500 | 2,718 |
| Average total loans | $79,361,500 | 3,920 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0971% | 3,342 |
| Cost of funding earning assets | 0.8115% | 617 |
| Net interest margin | 3.2856% | 4,635 |
| Noninterest income to average assets | 0.8630% | 1,633 |
| Noninterest expense to average assets | 2.8473% | 3,320 |
| Loan and lease loss provision to assets | 0.1708% | 1,522 |
| Net operating income to assets | 0.9389% | 2,681 |
| Return on assets (ROA) | 1.3611% | 1,204 |
| Pretax return on assets | 1.2716% | 2,342 |
| Return on Equity (ROE) | 16.8168% | 509 |
| Retained earnings to average equity (ytd only) | 4.1535% | 3,239 |
| Net charge-offs to loans | 0.1605% | 2,426 |
| Credit loss provision to net charge-offs | 378.7879% | 690 |
| Earnings coverage of net charge-offs (x) | 22.6212% | 1,621 |
| Efficiency ratio | 73.6219% | 2,899 |
| Assets per employee ($millions) | 3.2745% | 5,308 |
| Cash dividends to net income (ytd only)* | 75.3012% | 1,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4292% | 2,805 |
| Loan loss allowance to noncurrent loans | 71.2112% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 3,951 |
| Noncurrent loans to loans | 2.0070% | 1,388 |
| Net loans and leases to total assets | 27.1876% | 6,254 |
| Net loans and leases to deposits | 32.9796% | 6,239 |
| Net loans and leases to core deposits | 42.7853% | 6,000 |
| Total domestic deposits to total assets | 82.4374% | 4,271 |
| Equity capital to assets | 9.5218% | 4,700 |
| Core capital (leverage) ratio | 8.1170% | 5,916 |
| Tier 1 risk-based capital ratio | 14.1906% | 3,973 |
| Total risk-based capital ratio | 14.8642% | 4,279 |
| Memoranda: |
| Average total assets | $292,698,400 | 2,195 |
| Average earning assets | $267,655,600 | 2,214 |
| Average equity | $23,690,600 | 2,781 |
| Average total loans | $82,251,200 | 3,813 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2088% | 2,956 |
| Cost of funding earning assets | 0.8386% | 561 |
| Net interest margin | 3.3702% | 4,360 |
| Noninterest income to average assets | 0.5321% | 3,310 |
| Noninterest expense to average assets | 2.9304% | 3,023 |
| Loan and lease loss provision to assets | 0.2262% | 993 |
| Net operating income to assets | 0.7842% | 3,488 |
| Return on assets (ROA) | 0.9561% | 2,737 |
| Pretax return on assets | 0.6299% | 4,931 |
| Return on Equity (ROE) | 12.3392% | 1,386 |
| Retained earnings to average equity (ytd only) | 7.9595% | 1,381 |
| Net charge-offs to loans | 0.4120% | 961 |
| Credit loss provision to net charge-offs | 194.5525% | 1,296 |
| Earnings coverage of net charge-offs (x) | 5.8832% | 3,180 |
| Efficiency ratio | 81.0716% | 1,747 |
| Assets per employee ($millions) | 3.5284% | 4,807 |
| Cash dividends to net income (ytd only)* | 35.4948% | 2,554 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2875% | 3,710 |
| Loan loss allowance to noncurrent loans | 60.3751% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 4,136 |
| Noncurrent loans to loans | 2.1326% | 1,454 |
| Net loans and leases to total assets | 26.4456% | 6,349 |
| Net loans and leases to deposits | 32.2493% | 6,337 |
| Net loans and leases to core deposits | 44.2876% | 6,029 |
| Total domestic deposits to total assets | 82.0037% | 4,478 |
| Equity capital to assets | 9.3244% | 5,013 |
| Core capital (leverage) ratio | 8.2066% | 5,924 |
| Tier 1 risk-based capital ratio | 14.2102% | 4,075 |
| Total risk-based capital ratio | 14.8002% | 4,450 |
| Memoranda: |
| Average total assets | $294,652,000 | 2,198 |
| Average earning assets | $269,489,000 | 2,214 |
| Average equity | $22,831,750 | 2,873 |
| Average total loans | $83,170,000 | 3,816 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2460% | 2,783 |
| Cost of funding earning assets | 0.8222% | 641 |
| Net interest margin | 3.4239% | 4,087 |
| Noninterest income to average assets | 0.5506% | 3,118 |
| Noninterest expense to average assets | 2.8891% | 3,201 |
| Loan and lease loss provision to assets | 0.2665% | 782 |
| Net operating income to assets | 0.8184% | 3,241 |
| Return on assets (ROA) | 1.0228% | 2,302 |
| Pretax return on assets | 0.7435% | 4,485 |
| Return on Equity (ROE) | 14.1354% | 929 |
| Retained earnings to average equity (ytd only) | 14.1354% | 255 |
| Net charge-offs to loans | 0.6960% | 550 |
| Credit loss provision to net charge-offs | 133.4459% | 1,582 |
| Earnings coverage of net charge-offs (x) | 4.0338% | 3,186 |
| Efficiency ratio | 78.1958% | 2,264 |
| Assets per employee ($millions) | 4.1676% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1082% | 4,870 |
| Loan loss allowance to noncurrent loans | 29.6425% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 2,897 |
| Noncurrent loans to loans | 3.7385% | 669 |
| Net loans and leases to total assets | 25.7549% | 6,421 |
| Net loans and leases to deposits | 32.2189% | 6,382 |
| Net loans and leases to core deposits | 42.2166% | 6,141 |
| Total domestic deposits to total assets | 79.9372% | 5,253 |
| Equity capital to assets | 8.5441% | 5,766 |
| Core capital (leverage) ratio | 7.9593% | 6,126 |
| Tier 1 risk-based capital ratio | 14.6158% | 3,856 |
| Total risk-based capital ratio | 15.1318% | 4,278 |
| Memoranda: |
| Average total assets | $296,427,330 | 2,192 |
| Average earning assets | $272,207,000 | 2,193 |
| Average equity | $21,449,670 | 3,003 |
| Average total loans | $85,056,000 | 3,790 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2359% | 2,737 |
| Cost of funding earning assets | 0.8333% | 633 |
| Net interest margin | 3.4025% | 4,104 |
| Noninterest income to average assets | 0.5676% | 2,935 |
| Noninterest expense to average assets | 2.9485% | 3,051 |
| Loan and lease loss provision to assets | 0.3910% | 432 |
| Net operating income to assets | 0.6148% | 4,128 |
| Return on assets (ROA) | 0.7698% | 3,390 |
| Pretax return on assets | 0.4988% | 5,174 |
| Return on Equity (ROE) | 11.6927% | 1,496 |
| Retained earnings to average equity (ytd only) | 11.6927% | 648 |
| Net charge-offs to loans | 0.9388% | 371 |
| Credit loss provision to net charge-offs | 138.7560% | 1,321 |
| Earnings coverage of net charge-offs (x) | 2.6077% | 2,845 |
| Efficiency ratio | 80.0512% | 2,203 |
| Assets per employee ($millions) | 4.5859% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9762% | 5,612 |
| Loan loss allowance to noncurrent loans | 60.1006% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 4,426 |
| Noncurrent loans to loans | 1.6243% | 2,394 |
| Net loans and leases to total assets | 27.6000% | 6,428 |
| Net loans and leases to deposits | 32.3727% | 6,424 |
| Net loans and leases to core deposits | 42.7434% | 6,135 |
| Total domestic deposits to total assets | 85.2570% | 3,741 |
| Equity capital to assets | 6.8913% | 6,470 |
| Core capital (leverage) ratio | 8.2272% | 5,919 |
| Tier 1 risk-based capital ratio | 13.3772% | 4,779 |
| Total risk-based capital ratio | 13.8584% | 5,189 |
| Memoranda: |
| Average total assets | $296,690,500 | 2,192 |
| Average earning assets | $271,679,500 | 2,206 |
| Average equity | $19,533,500 | 3,223 |
| Average total loans | $89,052,500 | 3,721 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2428% | 3,180 |
| Cost of funding earning assets | 0.8964% | 750 |
| Net interest margin | 3.3464% | 4,493 |
| Noninterest income to average assets | 0.0834% | 6,446 |
| Noninterest expense to average assets | 2.7928% | 3,751 |
| Loan and lease loss provision to assets | 0.2012% | 1,853 |
| Net operating income to assets | 0.1873% | 5,861 |
| Return on assets (ROA) | 1.1518% | 1,816 |
| Pretax return on assets | 1.1167% | 2,897 |
| Return on Equity (ROE) | 16.1403% | 607 |
| Retained earnings to average equity (ytd only) | 7.1706% | 1,370 |
| Net charge-offs to loans | 0.9749% | 610 |
| Credit loss provision to net charge-offs | 64.4028% | 3,443 |
| Earnings coverage of net charge-offs (x) | 1.1311% | 4,698 |
| Efficiency ratio | 88.7687% | 1,130 |
| Assets per employee ($millions) | 4.2077% | 3,429 |
| Cash dividends to net income (ytd only)* | 55.5732% | 1,988 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8165% | 6,136 |
| Loan loss allowance to noncurrent loans | 32.0051% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 3,587 |
| Noncurrent loans to loans | 2.5512% | 1,472 |
| Net loans and leases to total assets | 32.0529% | 6,380 |
| Net loans and leases to deposits | 37.4908% | 6,385 |
| Net loans and leases to core deposits | 49.5740% | 5,962 |
| Total domestic deposits to total assets | 85.4954% | 3,513 |
| Equity capital to assets | 6.2536% | 6,593 |
| Core capital (leverage) ratio | 8.1698% | 6,003 |
| Tier 1 risk-based capital ratio | 13.2203% | 4,837 |
| Total risk-based capital ratio | 13.6612% | 5,286 |
| Memoranda: |
| Average total assets | $273,386,400 | 2,324 |
| Average earning assets | $250,211,000 | 2,322 |
| Average equity | $19,510,200 | 3,208 |
| Average total loans | $87,598,800 | 3,747 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2665% | 3,133 |
| Cost of funding earning assets | 0.8898% | 857 |
| Net interest margin | 3.3766% | 4,373 |
| Noninterest income to average assets | -0.0291% | 6,781 |
| Noninterest expense to average assets | 2.8427% | 3,513 |
| Loan and lease loss provision to assets | 0.2048% | 1,772 |
| Net operating income to assets | 0.0128% | 6,279 |
| Return on assets (ROA) | 1.2233% | 1,627 |
| Pretax return on assets | 1.2627% | 2,469 |
| Return on Equity (ROE) | 16.5972% | 578 |
| Retained earnings to average equity (ytd only) | 4.8808% | 3,165 |
| Net charge-offs to loans | 0.1142% | 3,408 |
| Credit loss provision to net charge-offs | 560.8108% | 500 |
| Earnings coverage of net charge-offs (x) | 6.0138% | 3,050 |
| Efficiency ratio | 92.8295% | 797 |
| Assets per employee ($millions) | 4.4220% | 3,014 |
| Cash dividends to net income (ytd only)* | 70.5931% | 1,063 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5479% | 3,237 |
| Loan loss allowance to noncurrent loans | 45.1031% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 1.1643% | 3,328 |
| Noncurrent loans to loans | 3.4318% | 1,124 |
| Net loans and leases to total assets | 30.5116% | 6,516 |
| Net loans and leases to deposits | 35.4276% | 6,529 |
| Net loans and leases to core deposits | 49.1294% | 6,061 |
| Total domestic deposits to total assets | 86.1237% | 3,181 |
| Equity capital to assets | 5.1948% | 6,758 |
| Core capital (leverage) ratio | 8.2872% | 5,986 |
| Tier 1 risk-based capital ratio | 13.0368% | 5,099 |
| Total risk-based capital ratio | 13.8746% | 5,318 |
| Memoranda: |
| Average total assets | $270,202,000 | 2,361 |
| Average earning assets | $247,379,500 | 2,363 |
| Average equity | $19,914,500 | 3,194 |
| Average total loans | $86,382,000 | 3,802 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4626% | 2,341 |
| Cost of funding earning assets | 0.9165% | 826 |
| Net interest margin | 3.5460% | 3,581 |
| Noninterest income to average assets | -0.2221% | 6,875 |
| Noninterest expense to average assets | 2.8830% | 3,386 |
| Loan and lease loss provision to assets | 0.2281% | 1,649 |
| Net operating income to assets | -0.0757% | 6,385 |
| Return on assets (ROA) | 1.6168% | 798 |
| Pretax return on assets | 1.8472% | 824 |
| Return on Equity (ROE) | 19.7777% | 319 |
| Retained earnings to average equity (ytd only) | 3.4978% | 4,093 |
| Net charge-offs to loans | 0.1200% | 3,163 |
| Credit loss provision to net charge-offs | 588.2353% | 491 |
| Earnings coverage of net charge-offs (x) | 3.9216% | 3,268 |
| Efficiency ratio | 94.9887% | 708 |
| Assets per employee ($millions) | 3.9384% | 3,939 |
| Cash dividends to net income (ytd only)* | 82.3142% | 855 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4568% | 3,783 |
| Loan loss allowance to noncurrent loans | 63.9296% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 4,007 |
| Noncurrent loans to loans | 2.2787% | 2,081 |
| Net loans and leases to total assets | 33.5317% | 6,436 |
| Net loans and leases to deposits | 40.0839% | 6,401 |
| Net loans and leases to core deposits | 52.1861% | 5,874 |
| Total domestic deposits to total assets | 83.6537% | 4,469 |
| Equity capital to assets | 6.5119% | 6,687 |
| Core capital (leverage) ratio | 8.0517% | 6,144 |
| Tier 1 risk-based capital ratio | 13.6258% | 4,691 |
| Total risk-based capital ratio | 14.4574% | 4,929 |
| Memoranda: |
| Average total assets | $262,986,000 | 2,429 |
| Average earning assets | $241,564,670 | 2,436 |
| Average equity | $21,499,000 | 3,033 |
| Average total loans | $85,026,670 | 3,850 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4583% | 2,323 |
| Cost of funding earning assets | 0.9416% | 813 |
| Net interest margin | 3.5166% | 3,628 |
| Noninterest income to average assets | -0.9400% | 7,005 |
| Noninterest expense to average assets | 2.8719% | 3,457 |
| Loan and lease loss provision to assets | 0.2666% | 1,327 |
| Net operating income to assets | -0.6685% | 6,731 |
| Return on assets (ROA) | 2.2929% | 225 |
| Pretax return on assets | 2.9557% | 164 |
| Return on Equity (ROE) | 25.4470% | 116 |
| Retained earnings to average equity (ytd only) | 16.9929% | 231 |
| Net charge-offs to loans | 0.2275% | 2,083 |
| Credit loss provision to net charge-offs | 372.3404% | 680 |
| Earnings coverage of net charge-offs (x) | -8.0213% | 4,095 |
| Efficiency ratio | 125.0000% | 179 |
| Assets per employee ($millions) | 4.1143% | 3,713 |
| Cash dividends to net income (ytd only)* | 33.2226% | 2,010 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4750% | 3,916 |
| Loan loss allowance to noncurrent loans | 36.3664% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3565% | 3,240 |
| Noncurrent loans to loans | 4.0560% | 1,105 |
| Net loans and leases to total assets | 30.1106% | 6,601 |
| Net loans and leases to deposits | 37.5749% | 6,522 |
| Net loans and leases to core deposits | 47.6470% | 6,112 |
| Total domestic deposits to total assets | 80.1349% | 5,724 |
| Equity capital to assets | 9.0340% | 5,440 |
| Core capital (leverage) ratio | 8.4859% | 5,620 |
| Tier 1 risk-based capital ratio | 15.5091% | 3,519 |
| Total risk-based capital ratio | 16.8389% | 3,441 |
| Memoranda: |
| Average total assets | $262,544,000 | 2,467 |
| Average earning assets | $241,708,500 | 2,457 |
| Average equity | $23,657,000 | 2,839 |
| Average total loans | $82,646,000 | 3,933 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6468% | 2,811 |
| Cost of funding earning assets | 1.0864% | 953 |
| Net interest margin | 3.5604% | 4,263 |
| Noninterest income to average assets | 0.6461% | 3,016 |
| Noninterest expense to average assets | 2.8629% | 3,798 |
| Loan and lease loss provision to assets | 0.1309% | 3,984 |
| Net operating income to assets | 0.8390% | 3,099 |
| Return on assets (ROA) | 1.5590% | 896 |
| Pretax return on assets | 1.7580% | 1,003 |
| Return on Equity (ROE) | 18.1438% | 436 |
| Retained earnings to average equity (ytd only) | 13.3081% | 239 |
| Net charge-offs to loans | 0.1588% | 4,110 |
| Credit loss provision to net charge-offs | 223.4043% | 1,122 |
| Earnings coverage of net charge-offs (x) | 18.4326% | 1,437 |
| Efficiency ratio | 72.6104% | 3,304 |
| Assets per employee ($millions) | 4.2913% | 3,374 |
| Cash dividends to net income (ytd only)* | 26.6525% | 3,505 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2485% | 4,883 |
| Loan loss allowance to noncurrent loans | 23.3209% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 1.8531% | 2,636 |
| Noncurrent loans to loans | 5.3538% | 708 |
| Net loans and leases to total assets | 31.9973% | 6,630 |
| Net loans and leases to deposits | 40.2743% | 6,537 |
| Net loans and leases to core deposits | 51.1724% | 6,080 |
| Total domestic deposits to total assets | 79.4485% | 5,792 |
| Equity capital to assets | 8.9872% | 5,539 |
| Core capital (leverage) ratio | 8.2360% | 5,958 |
| Tier 1 risk-based capital ratio | 15.2302% | 3,594 |
| Total risk-based capital ratio | 15.9957% | 3,822 |
| Memoranda: |
| Average total assets | $240,667,000 | 2,626 |
| Average earning assets | $222,839,800 | 2,589 |
| Average equity | $20,679,200 | 3,120 |
| Average total loans | $88,769,800 | 3,777 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6609% | 2,962 |
| Cost of funding earning assets | 1.1115% | 1,020 |
| Net interest margin | 3.5495% | 4,442 |
| Noninterest income to average assets | 0.6786% | 2,821 |
| Noninterest expense to average assets | 2.8978% | 3,609 |
| Loan and lease loss provision to assets | 0.1784% | 3,354 |
| Net operating income to assets | 0.7641% | 3,629 |
| Return on assets (ROA) | 1.5492% | 1,047 |
| Pretax return on assets | 1.8363% | 972 |
| Return on Equity (ROE) | 18.2626% | 473 |
| Retained earnings to average equity (ytd only) | 11.5852% | 593 |
| Net charge-offs to loans | 0.1025% | 4,369 |
| Credit loss provision to net charge-offs | 456.5217% | 584 |
| Earnings coverage of net charge-offs (x) | 27.6370% | 1,178 |
| Efficiency ratio | 72.8464% | 3,177 |
| Assets per employee ($millions) | 4.3097% | 3,249 |
| Cash dividends to net income (ytd only)* | 36.5630% | 2,339 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3131% | 4,753 |
| Loan loss allowance to noncurrent loans | 21.8298% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 2.1915% | 2,438 |
| Noncurrent loans to loans | 6.0153% | 679 |
| Net loans and leases to total assets | 34.0050% | 6,654 |
| Net loans and leases to deposits | 43.8787% | 6,509 |
| Net loans and leases to core deposits | 56.1523% | 5,877 |
| Total domestic deposits to total assets | 77.4979% | 6,165 |
| Equity capital to assets | 8.7765% | 6,038 |
| Core capital (leverage) ratio | 8.3102% | 5,993 |
| Tier 1 risk-based capital ratio | 15.2959% | 3,649 |
| Total risk-based capital ratio | 16.1586% | 3,871 |
| Memoranda: |
| Average total assets | $235,390,750 | 2,701 |
| Average earning assets | $218,806,250 | 2,656 |
| Average equity | $19,967,500 | 3,242 |
| Average total loans | $89,757,500 | 3,797 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0470% | 1,672 |
| Cost of funding earning assets | 1.1338% | 1,080 |
| Net interest margin | 3.9132% | 2,852 |
| Noninterest income to average assets | 0.6090% | 3,202 |
| Noninterest expense to average assets | 2.9280% | 3,513 |
| Loan and lease loss provision to assets | 0.1215% | 4,005 |
| Net operating income to assets | 0.9243% | 2,786 |
| Return on assets (ROA) | 2.0266% | 427 |
| Pretax return on assets | 2.6018% | 259 |
| Return on Equity (ROE) | 24.1939% | 175 |
| Retained earnings to average equity (ytd only) | 15.9083% | 227 |
| Net charge-offs to loans | 0.0264% | 5,017 |
| Credit loss provision to net charge-offs | 1,166.6667% | 283 |
| Earnings coverage of net charge-offs (x) | 125.8333% | 353 |
| Efficiency ratio | 69.0890% | 3,921 |
| Assets per employee ($millions) | 4.2414% | 3,378 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,427 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0873% | 5,830 |
| Loan loss allowance to noncurrent loans | 22.0175% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 2.0119% | 2,763 |
| Noncurrent loans to loans | 4.9385% | 1,010 |
| Net loans and leases to total assets | 37.7779% | 6,498 |
| Net loans and leases to deposits | 50.5244% | 6,143 |
| Net loans and leases to core deposits | 67.5850% | 4,840 |
| Total domestic deposits to total assets | 74.7715% | 6,606 |
| Equity capital to assets | 8.0647% | 6,531 |
| Core capital (leverage) ratio | 8.3985% | 5,794 |
| Tier 1 risk-based capital ratio | 15.2038% | 3,630 |
| Total risk-based capital ratio | 15.9802% | 3,908 |
| Memoranda: |
| Average total assets | $230,533,330 | 2,747 |
| Average earning assets | $213,791,670 | 2,717 |
| Average equity | $19,310,670 | 3,309 |
| Average total loans | $90,966,330 | 3,782 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0794% | 1,637 |
| Cost of funding earning assets | 1.1572% | 1,147 |
| Net interest margin | 3.9222% | 2,834 |
| Noninterest income to average assets | 0.8714% | 1,863 |
| Noninterest expense to average assets | 3.2367% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9799% | 2,559 |
| Return on assets (ROA) | 2.5182% | 213 |
| Pretax return on assets | 3.2296% | 149 |
| Return on Equity (ROE) | 29.4731% | 109 |
| Retained earnings to average equity (ytd only) | 12.8216% | 710 |
| Net charge-offs to loans | 0.0222% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 141.4000% | 256 |
| Efficiency ratio | 72.0222% | 3,441 |
| Assets per employee ($millions) | 4.3401% | 3,317 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,287 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9756% | 6,333 |
| Loan loss allowance to noncurrent loans | 56.8475% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8482% | 4,835 |
| Noncurrent loans to loans | 1.7161% | 3,539 |
| Net loans and leases to total assets | 38.8313% | 6,432 |
| Net loans and leases to deposits | 50.3393% | 6,113 |
| Net loans and leases to core deposits | 69.2424% | 4,533 |
| Total domestic deposits to total assets | 77.1391% | 6,383 |
| Equity capital to assets | 8.5534% | 6,038 |
| Core capital (leverage) ratio | 8.4485% | 5,679 |
| Tier 1 risk-based capital ratio | 15.1937% | 3,622 |
| Total risk-based capital ratio | 15.9072% | 3,943 |
| Memoranda: |
| Average total assets | $224,921,000 | 2,832 |
| Average earning assets | $207,742,500 | 2,801 |
| Average equity | $19,217,500 | 3,322 |
| Average total loans | $90,282,000 | 3,821 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5530% | 1,047 |
| Cost of funding earning assets | 1.5313% | 634 |
| Net interest margin | 4.0218% | 2,777 |
| Noninterest income to average assets | 0.4749% | 4,032 |
| Noninterest expense to average assets | 2.9279% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0159% | 2,144 |
| Return on assets (ROA) | 2.1398% | 268 |
| Pretax return on assets | 2.7350% | 155 |
| Return on Equity (ROE) | 26.1812% | 87 |
| Retained earnings to average equity (ytd only) | 11.7490% | 325 |
| Net charge-offs to loans | 0.1197% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 28.5833% | 870 |
| Efficiency ratio | 69.3476% | 4,084 |
| Assets per employee ($millions) | 3.9967% | 3,859 |
| Cash dividends to net income (ytd only)* | 55.1245% | 1,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9794% | 6,304 |
| Loan loss allowance to noncurrent loans | 90.4908% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 5,406 |
| Noncurrent loans to loans | 1.0823% | 4,548 |
| Net loans and leases to total assets | 40.7054% | 6,491 |
| Net loans and leases to deposits | 53.5614% | 6,111 |
| Net loans and leases to core deposits | 73.0693% | 4,372 |
| Total domestic deposits to total assets | 75.9977% | 6,486 |
| Equity capital to assets | 8.5344% | 6,101 |
| Core capital (leverage) ratio | 8.3582% | 5,766 |
| Tier 1 risk-based capital ratio | 15.1123% | 3,573 |
| Total risk-based capital ratio | 15.8504% | 3,883 |
| Memoranda: |
| Average total assets | $212,029,400 | 2,919 |
| Average earning assets | $197,549,600 | 2,886 |
| Average equity | $17,329,200 | 3,530 |
| Average total loans | $80,220,400 | 4,134 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7176% | 825 |
| Cost of funding earning assets | 1.6312% | 515 |
| Net interest margin | 4.0864% | 2,528 |
| Noninterest income to average assets | 0.4817% | 4,026 |
| Noninterest expense to average assets | 2.9169% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0636% | 2,093 |
| Return on assets (ROA) | 2.4517% | 176 |
| Pretax return on assets | 3.1555% | 124 |
| Return on Equity (ROE) | 30.3482% | 55 |
| Retained earnings to average equity (ytd only) | 20.7480% | 69 |
| Net charge-offs to loans | 0.1802% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 20.6471% | 1,212 |
| Efficiency ratio | 67.9480% | 4,335 |
| Assets per employee ($millions) | 3.6800% | 4,576 |
| Cash dividends to net income (ytd only)* | 31.6334% | 2,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0412% | 6,081 |
| Loan loss allowance to noncurrent loans | 90.7772% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 5,573 |
| Noncurrent loans to loans | 1.1470% | 4,624 |
| Net loans and leases to total assets | 38.3455% | 6,754 |
| Net loans and leases to deposits | 49.3837% | 6,537 |
| Net loans and leases to core deposits | 67.1585% | 5,286 |
| Total domestic deposits to total assets | 77.6481% | 6,265 |
| Equity capital to assets | 8.9537% | 5,804 |
| Core capital (leverage) ratio | 8.9775% | 4,969 |
| Tier 1 risk-based capital ratio | 16.3946% | 2,916 |
| Total risk-based capital ratio | 17.1614% | 3,119 |
| Memoranda: |
| Average total assets | $210,082,750 | 2,959 |
| Average earning assets | $195,928,250 | 2,918 |
| Average equity | $16,971,500 | 3,592 |
| Average total loans | $77,685,000 | 4,260 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9589% | 515 |
| Cost of funding earning assets | 1.6375% | 603 |
| Net interest margin | 4.3214% | 1,591 |
| Noninterest income to average assets | 0.1078% | 6,791 |
| Noninterest expense to average assets | 3.0317% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8631% | 2,808 |
| Return on assets (ROA) | 2.2374% | 262 |
| Pretax return on assets | 2.8430% | 156 |
| Return on Equity (ROE) | 28.7826% | 79 |
| Retained earnings to average equity (ytd only) | 23.2341% | 64 |
| Net charge-offs to loans | 0.2277% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.3256% | 1,558 |
| Efficiency ratio | 73.3178% | 3,497 |
| Assets per employee ($millions) | 3.7394% | 4,339 |
| Cash dividends to net income (ytd only)* | 19.2771% | 2,881 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1713% | 5,667 |
| Loan loss allowance to noncurrent loans | 118.2299% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 5,941 |
| Noncurrent loans to loans | 0.9907% | 5,008 |
| Net loans and leases to total assets | 35.4275% | 6,988 |
| Net loans and leases to deposits | 47.8321% | 6,736 |
| Net loans and leases to core deposits | 65.5711% | 5,558 |
| Total domestic deposits to total assets | 74.0664% | 6,839 |
| Equity capital to assets | 8.4805% | 6,208 |
| Core capital (leverage) ratio | 8.3592% | 5,771 |
| Tier 1 risk-based capital ratio | 16.1391% | 2,907 |
| Total risk-based capital ratio | 16.9432% | 3,106 |
| Memoranda: |
| Average total assets | $207,737,670 | 2,999 |
| Average earning assets | $193,593,330 | 2,951 |
| Average equity | $16,148,670 | 3,706 |
| Average total loans | $75,536,330 | 4,365 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1743% | 344 |
| Cost of funding earning assets | 1.6320% | 721 |
| Net interest margin | 4.5423% | 978 |
| Noninterest income to average assets | -0.5619% | 7,504 |
| Noninterest expense to average assets | 3.0629% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4788% | 4,583 |
| Return on assets (ROA) | 2.6435% | 157 |
| Pretax return on assets | 3.4590% | 129 |
| Return on Equity (ROE) | 35.6931% | 54 |
| Retained earnings to average equity (ytd only) | 24.5242% | 106 |
| Net charge-offs to loans | 0.0160% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 104.3333% | 304 |
| Efficiency ratio | 83.3776% | 2,033 |
| Assets per employee ($millions) | 4.0641% | 3,707 |
| Cash dividends to net income (ytd only)* | 31.2915% | 1,961 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3012% | 5,120 |
| Loan loss allowance to noncurrent loans | 109.1518% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 5,862 |
| Noncurrent loans to loans | 1.1921% | 4,694 |
| Net loans and leases to total assets | 35.1035% | 7,049 |
| Net loans and leases to deposits | 46.0579% | 6,843 |
| Net loans and leases to core deposits | 67.6420% | 5,337 |
| Total domestic deposits to total assets | 76.2161% | 6,636 |
| Equity capital to assets | 7.6685% | 6,770 |
| Core capital (leverage) ratio | 8.0589% | 6,178 |
| Tier 1 risk-based capital ratio | 15.2002% | 3,316 |
| Total risk-based capital ratio | 16.0736% | 3,487 |
| Memoranda: |
| Average total assets | $205,032,500 | 3,050 |
| Average earning assets | $191,179,000 | 2,992 |
| Average equity | $15,185,000 | 3,866 |
| Average total loans | $75,100,500 | 4,420 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7811% | 207 |
| Cost of funding earning assets | 1.9532% | 715 |
| Net interest margin | 4.8280% | 637 |
| Noninterest income to average assets | 0.2698% | 5,858 |
| Noninterest expense to average assets | 3.1557% | 3,252 |
| Loan and lease loss provision to assets | 0.2895% | 4,483 |
| Net operating income to assets | 1.0511% | 1,869 |
| Return on assets (ROA) | 1.9647% | 315 |
| Pretax return on assets | 2.4632% | 194 |
| Return on Equity (ROE) | 24.0043% | 116 |
| Retained earnings to average equity (ytd only) | 10.8459% | 399 |
| Net charge-offs to loans | 0.7714% | 2,711 |
| Credit loss provision to net charge-offs | 108.1673% | 4,088 |
| Earnings coverage of net charge-offs (x) | 6.0179% | 2,462 |
| Efficiency ratio | 65.1342% | 5,140 |
| Assets per employee ($millions) | 3.6802% | 4,508 |
| Cash dividends to net income (ytd only)* | 54.8168% | 1,855 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3073% | 4,968 |
| Loan loss allowance to noncurrent loans | 110.9729% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 5,853 |
| Noncurrent loans to loans | 1.1781% | 4,750 |
| Net loans and leases to total assets | 37.2646% | 7,103 |
| Net loans and leases to deposits | 50.4775% | 6,830 |
| Net loans and leases to core deposits | 77.6027% | 4,509 |
| Total domestic deposits to total assets | 73.8242% | 6,916 |
| Equity capital to assets | 7.1272% | 7,072 |
| Core capital (leverage) ratio | 8.3807% | 5,577 |
| Tier 1 risk-based capital ratio | 13.4909% | 4,213 |
| Total risk-based capital ratio | 14.3143% | 4,510 |
| Memoranda: |
| Average total assets | $187,562,600 | 3,264 |
| Average earning assets | $174,690,600 | 3,192 |
| Average equity | $15,351,400 | 3,881 |
| Average total loans | $65,078,800 | 4,869 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9736% | 155 |
| Cost of funding earning assets | 2.0305% | 688 |
| Net interest margin | 4.9431% | 499 |
| Noninterest income to average assets | 0.8248% | 2,105 |
| Noninterest expense to average assets | 3.1685% | 3,037 |
| Loan and lease loss provision to assets | 0.6314% | 2,414 |
| Net operating income to assets | 1.3946% | 1,115 |
| Return on assets (ROA) | 1.8762% | 477 |
| Pretax return on assets | 2.1908% | 421 |
| Return on Equity (ROE) | 22.1531% | 192 |
| Retained earnings to average equity (ytd only) | 7.2850% | 1,707 |
| Net charge-offs to loans | 1.0672% | 1,904 |
| Credit loss provision to net charge-offs | 174.6507% | 2,111 |
| Earnings coverage of net charge-offs (x) | 6.2575% | 2,560 |
| Efficiency ratio | 57.0688% | 6,404 |
| Assets per employee ($millions) | 3.6320% | 4,658 |
| Cash dividends to net income (ytd only)* | 67.1154% | 981 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7464% | 3,006 |
| Loan loss allowance to noncurrent loans | 132.7273% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 5,750 |
| Noncurrent loans to loans | 1.3158% | 4,664 |
| Net loans and leases to total assets | 39.9098% | 7,079 |
| Net loans and leases to deposits | 54.8963% | 6,695 |
| Net loans and leases to core deposits | 76.4383% | 5,001 |
| Total domestic deposits to total assets | 72.7004% | 7,064 |
| Equity capital to assets | 8.8906% | 5,714 |
| Core capital (leverage) ratio | 8.2898% | 5,892 |
| Tier 1 risk-based capital ratio | 13.5248% | 4,185 |
| Total risk-based capital ratio | 14.6889% | 4,193 |
| Memoranda: |
| Average total assets | $184,770,000 | 3,353 |
| Average earning assets | $172,169,250 | 3,282 |
| Average equity | $15,648,250 | 3,868 |
| Average total loans | $62,589,000 | 5,049 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1135% | 134 |
| Cost of funding earning assets | 2.1156% | 621 |
| Net interest margin | 4.9979% | 422 |
| Noninterest income to average assets | 0.2611% | 6,053 |
| Noninterest expense to average assets | 3.0279% | 3,604 |
| Loan and lease loss provision to assets | 0.2058% | 4,818 |
| Net operating income to assets | 1.3392% | 1,217 |
| Return on assets (ROA) | 1.7994% | 531 |
| Pretax return on assets | 2.2631% | 361 |
| Return on Equity (ROE) | 21.6065% | 229 |
| Retained earnings to average equity (ytd only) | 12.5398% | 429 |
| Net charge-offs to loans | 1.5521% | 1,229 |
| Credit loss provision to net charge-offs | 41.9426% | 5,580 |
| Earnings coverage of net charge-offs (x) | 3.8587% | 3,148 |
| Efficiency ratio | 61.1710% | 5,824 |
| Assets per employee ($millions) | 3.7861% | 4,251 |
| Cash dividends to net income (ytd only)* | 41.9627% | 1,989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0445% | 6,206 |
| Loan loss allowance to noncurrent loans | 56.9421% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 5,731 |
| Noncurrent loans to loans | 1.8344% | 3,958 |
| Net loans and leases to total assets | 35.1842% | 7,379 |
| Net loans and leases to deposits | 49.3920% | 7,096 |
| Net loans and leases to core deposits | 63.3620% | 6,457 |
| Total domestic deposits to total assets | 71.2346% | 7,243 |
| Equity capital to assets | 8.1981% | 6,544 |
| Core capital (leverage) ratio | 8.2115% | 5,924 |
| Tier 1 risk-based capital ratio | 14.0947% | 3,666 |
| Total risk-based capital ratio | 14.7291% | 4,047 |
| Memoranda: |
| Average total assets | $184,616,670 | 3,375 |
| Average earning assets | $172,152,670 | 3,303 |
| Average equity | $15,375,000 | 3,916 |
| Average total loans | $58,372,330 | 5,256 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5528% | 100 |
| Cost of funding earning assets | 1.9959% | 1,101 |
| Net interest margin | 5.5569% | 165 |
| Noninterest income to average assets | -0.2585% | 7,818 |
| Noninterest expense to average assets | 3.1906% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2650% | 1,375 |
| Return on assets (ROA) | 1.3966% | 1,156 |
| Pretax return on assets | 1.9135% | 716 |
| Return on Equity (ROE) | 16.6386% | 640 |
| Retained earnings to average equity (ytd only) | 16.6386% | 301 |
| Net charge-offs to loans | -0.1906% | 7,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4464% | 5,402 |
| Assets per employee ($millions) | 4.1115% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7792% | 2,794 |
| Loan loss allowance to noncurrent loans | 60.5948% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 5,256 |
| Noncurrent loans to loans | 2.9362% | 2,742 |
| Net loans and leases to total assets | 29.8451% | 7,628 |
| Net loans and leases to deposits | 40.3409% | 7,512 |
| Net loans and leases to core deposits | 54.8644% | 7,057 |
| Total domestic deposits to total assets | 73.9823% | 7,051 |
| Equity capital to assets | 8.6709% | 5,771 |
| Core capital (leverage) ratio | 8.2783% | 5,780 |
| Tier 1 risk-based capital ratio | 14.6685% | 3,277 |
| Total risk-based capital ratio | 15.6263% | 3,413 |
| Memoranda: |
| Average total assets | $184,166,000 | 3,444 |
| Average earning assets | $171,750,500 | 3,373 |
| Average equity | $15,458,000 | 3,936 |
| Average total loans | $54,577,500 | 5,468 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9805% | 80 |
| Cost of funding earning assets | 2.0202% | 2,868 |
| Net interest margin | 5.9603% | 116 |
| Noninterest income to average assets | 1.3314% | 844 |
| Noninterest expense to average assets | 3.5077% | 2,357 |
| Loan and lease loss provision to assets | 0.5113% | 3,817 |
| Net operating income to assets | 2.0906% | 189 |
| Return on assets (ROA) | 2.5181% | 95 |
| Pretax return on assets | 3.5102% | 62 |
| Return on Equity (ROE) | 33.4698% | 35 |
| Retained earnings to average equity (ytd only) | 32.2265% | 14 |
| Net charge-offs to loans | 0.5358% | 3,642 |
| Credit loss provision to net charge-offs | 278.9116% | 1,226 |
| Earnings coverage of net charge-offs (x) | 18.6973% | 1,113 |
| Efficiency ratio | 49.3257% | 7,574 |
| Assets per employee ($millions) | 4.1651% | 3,502 |
| Cash dividends to net income (ytd only)* | 3.7147% | 3,980 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7569% | 2,683 |
| Loan loss allowance to noncurrent loans | 58.4767% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 5,255 |
| Noncurrent loans to loans | 3.0045% | 2,565 |
| Net loans and leases to total assets | 28.4024% | 7,745 |
| Net loans and leases to deposits | 37.6013% | 7,691 |
| Net loans and leases to core deposits | 40.9773% | 7,748 |
| Total domestic deposits to total assets | 75.5357% | 6,768 |
| Equity capital to assets | 8.1258% | 6,432 |
| Core capital (leverage) ratio | 7.7394% | 6,516 |
| Tier 1 risk-based capital ratio | 14.6779% | 3,113 |
| Total risk-based capital ratio | 15.6533% | 3,213 |
| Memoranda: |
| Average total assets | $160,361,400 | 3,768 |
| Average earning assets | $150,780,600 | 3,699 |
| Average equity | $12,064,600 | 4,732 |
| Average total loans | $54,871,400 | 5,466 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9025% | 89 |
| Cost of funding earning assets | 1.9632% | 3,550 |
| Net interest margin | 5.9393% | 118 |
| Noninterest income to average assets | 1.2248% | 1,025 |
| Noninterest expense to average assets | 3.7483% | 1,706 |
| Loan and lease loss provision to assets | 0.2995% | 4,571 |
| Net operating income to assets | 2.1639% | 198 |
| Return on assets (ROA) | 2.5573% | 104 |
| Pretax return on assets | 3.2778% | 86 |
| Return on Equity (ROE) | 34.8427% | 37 |
| Retained earnings to average equity (ytd only) | 34.8427% | 15 |
| Net charge-offs to loans | 0.6928% | 2,616 |
| Credit loss provision to net charge-offs | 120.6294% | 4,207 |
| Earnings coverage of net charge-offs (x) | 12.3777% | 1,766 |
| Efficiency ratio | 53.2833% | 7,310 |
| Assets per employee ($millions) | 4.0239% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8905% | 6,796 |
| Loan loss allowance to noncurrent loans | 35.6880% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 5,464 |
| Noncurrent loans to loans | 2.4952% | 3,020 |
| Net loans and leases to total assets | 29.8103% | 7,811 |
| Net loans and leases to deposits | 40.0791% | 7,727 |
| Net loans and leases to core deposits | 44.6602% | 7,785 |
| Total domestic deposits to total assets | 74.3786% | 6,882 |
| Equity capital to assets | 8.8919% | 5,647 |
| Core capital (leverage) ratio | 7.7294% | 6,692 |
| Tier 1 risk-based capital ratio | 14.2104% | 3,435 |
| Total risk-based capital ratio | 14.7257% | 3,804 |
| Memoranda: |
| Average total assets | $153,594,750 | 3,922 |
| Average earning assets | $144,727,250 | 3,825 |
| Average equity | $11,273,250 | 4,994 |
| Average total loans | $55,042,750 | 5,513 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7762% | 113 |
| Cost of funding earning assets | 1.8346% | 4,583 |
| Net interest margin | 5.9415% | 116 |
| Noninterest income to average assets | 1.4526% | 708 |
| Noninterest expense to average assets | 3.9049% | 1,477 |
| Loan and lease loss provision to assets | 0.4777% | 3,135 |
| Net operating income to assets | 1.9760% | 313 |
| Return on assets (ROA) | 2.5119% | 121 |
| Pretax return on assets | 3.3773% | 78 |
| Return on Equity (ROE) | 37.5414% | 37 |
| Retained earnings to average equity (ytd only) | 37.5414% | 23 |
| Net charge-offs to loans | 0.5830% | 2,583 |
| Credit loss provision to net charge-offs | 214.2857% | 2,147 |
| Earnings coverage of net charge-offs (x) | 14.0435% | 1,689 |
| Efficiency ratio | 53.0801% | 7,422 |
| Assets per employee ($millions) | 3.6744% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1001% | 5,598 |
| Loan loss allowance to noncurrent loans | 59.1085% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 5,448 |
| Noncurrent loans to loans | 1.8611% | 3,715 |
| Net loans and leases to total assets | 33.9218% | 7,777 |
| Net loans and leases to deposits | 45.4713% | 7,655 |
| Net loans and leases to core deposits | 62.5208% | 7,360 |
| Total domestic deposits to total assets | 74.6004% | 6,848 |
| Equity capital to assets | 7.2950% | 7,419 |
| Core capital (leverage) ratio | 7.2231% | 7,331 |
| Tier 1 risk-based capital ratio | 12.4219% | 4,580 |
| Total risk-based capital ratio | 13.0966% | 4,971 |
| Memoranda: |
| Average total assets | $144,434,670 | 4,093 |
| Average earning assets | $135,722,670 | 4,035 |
| Average equity | $9,664,000 | 5,467 |
| Average total loans | $55,235,670 | 5,547 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4469% | 176 |
| Cost of funding earning assets | 1.8075% | 5,082 |
| Net interest margin | 5.6394% | 150 |
| Noninterest income to average assets | 1.1692% | 1,071 |
| Noninterest expense to average assets | 3.0865% | 3,426 |
| Loan and lease loss provision to assets | 0.3534% | 3,194 |
| Net operating income to assets | 2.0701% | 309 |
| Return on assets (ROA) | 2.7773% | 107 |
| Pretax return on assets | 4.0378% | 59 |
| Return on Equity (ROE) | 43.8656% | 36 |
| Retained earnings to average equity (ytd only) | 43.8656% | 23 |
| Net charge-offs to loans | 1.0231% | 1,317 |
| Credit loss provision to net charge-offs | 85.1064% | 4,099 |
| Earnings coverage of net charge-offs (x) | 8.1064% | 2,237 |
| Efficiency ratio | 47.1474% | 7,778 |
| Assets per employee ($millions) | 3.3851% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7157% | 7,395 |
| Loan loss allowance to noncurrent loans | 63.0841% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 5,949 |
| Noncurrent loans to loans | 1.1346% | 4,723 |
| Net loans and leases to total assets | 36.8802% | 7,699 |
| Net loans and leases to deposits | 47.4353% | 7,607 |
| Net loans and leases to core deposits | 64.6855% | 7,291 |
| Total domestic deposits to total assets | 77.7485% | 6,095 |
| Equity capital to assets | 6.2463% | 7,945 |
| Core capital (leverage) ratio | 6.4958% | 7,882 |
| Tier 1 risk-based capital ratio | 9.9613% | 6,972 |
| Total risk-based capital ratio | 10.4224% | 7,688 |
| Memoranda: |
| Average total assets | $135,816,000 | 4,291 |
| Average earning assets | $127,247,000 | 4,213 |
| Average equity | $8,599,000 | 5,847 |
| Average total loans | $55,127,500 | 5,586 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7878% | 1,719 |
| Cost of funding earning assets | 2.3886% | 4,771 |
| Net interest margin | 4.3991% | 1,687 |
| Noninterest income to average assets | 1.2542% | 937 |
| Noninterest expense to average assets | 4.2549% | 1,091 |
| Loan and lease loss provision to assets | 0.2533% | 4,387 |
| Net operating income to assets | 0.5734% | 4,423 |
| Return on assets (ROA) | 0.5825% | 4,249 |
| Pretax return on assets | 0.7770% | 4,150 |
| Return on Equity (ROE) | 7.4520% | 3,300 |
| Retained earnings to average equity (ytd only) | -20.2825% | 7,687 |
| Net charge-offs to loans | 0.1818% | 4,375 |
| Credit loss provision to net charge-offs | 265.9574% | 1,744 |
| Earnings coverage of net charge-offs (x) | 10.6915% | 2,475 |
| Efficiency ratio | 79.5005% | 2,674 |
| Assets per employee ($millions) | 2.5383% | 7,133 |
| Cash dividends to net income (ytd only)* | 372.1739% | 147 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7937% | 7,132 |
| Loan loss allowance to noncurrent loans | 62.0087% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 5,460 |
| Noncurrent loans to loans | 1.2800% | 3,954 |
| Net loans and leases to total assets | 44.6300% | 7,429 |
| Net loans and leases to deposits | 71.0631% | 6,160 |
| Net loans and leases to core deposits | 76.6696% | 6,824 |
| Total domestic deposits to total assets | 62.8033% | 7,845 |
| Equity capital to assets | 6.4400% | 7,954 |
| Core capital (leverage) ratio | 6.5785% | 7,904 |
| Tier 1 risk-based capital ratio | 9.7380% | 7,034 |
| Total risk-based capital ratio | 10.3333% | 7,695 |
| Memoranda: |
| Average total assets | $98,710,000 | 5,094 |
| Average earning assets | $90,176,600 | 5,073 |
| Average equity | $7,716,000 | 6,202 |
| Average total loans | $51,718,800 | 5,631 |
