| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5128% | 344 |
| Cost of funding earning assets | 2.4152% | 445 |
| Net interest margin | 4.0976% | 1,076 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.8014% | 1,493 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.0982% | 1,927 |
| Return on assets (ROA) | 1.0982% | 1,897 |
| Pretax return on assets | 1.3820% | 1,677 |
| Return on Equity (ROE) | 11.7900% | 2,008 |
| Retained earnings to average equity (ytd only) | 11.7857% | 657 |
| Net charge-offs to loans | 0.0175% | 2,012 |
| Credit loss provision to net charge-offs | 1,700.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 117.3929% | 831 |
| Efficiency ratio | 63.4168% | 2,680 |
| Assets per employee ($millions) | 7.0196% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5136% | 1,009 |
| Loan loss allowance to noncurrent loans | 297.0669% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 1,371 |
| Noncurrent loans to loans | 0.5095% | 1,508 |
| Net loans and leases to total assets | 78.2400% | 847 |
| Net loans and leases to deposits | 92.7417% | 1,037 |
| Net loans and leases to core deposits | 107.4599% | 1,052 |
| Total domestic deposits to total assets | 84.3600% | 2,514 |
| Equity capital to assets | 9.6780% | 2,216 |
| Core capital (leverage) ratio | 10.0917% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $610,185,400 | 1,454 |
| Average earning assets | $565,209,400 | 1,451 |
| Average equity | $56,857,000 | 1,446 |
| Average total loans | $480,234,800 | 1,275 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4032% | 341 |
| Cost of funding earning assets | 2.3285% | 384 |
| Net interest margin | 4.0748% | 1,107 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.7603% | 1,521 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.0655% | 2,167 |
| Return on assets (ROA) | 1.0655% | 2,153 |
| Pretax return on assets | 1.3483% | 1,900 |
| Return on Equity (ROE) | 11.5500% | 2,238 |
| Retained earnings to average equity (ytd only) | 11.5510% | 1,061 |
| Net charge-offs to loans | 0.0166% | 1,805 |
| Credit loss provision to net charge-offs | 1,833.8983% | 260 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 831 |
| Efficiency ratio | 63.4971% | 2,561 |
| Assets per employee ($millions) | 6.9399% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4484% | 1,260 |
| Loan loss allowance to noncurrent loans | 322.5721% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 1,600 |
| Noncurrent loans to loans | 0.4490% | 1,698 |
| Net loans and leases to total assets | 78.3700% | 835 |
| Net loans and leases to deposits | 92.8352% | 978 |
| Net loans and leases to core deposits | 104.6613% | 1,083 |
| Total domestic deposits to total assets | 84.4200% | 2,661 |
| Equity capital to assets | 9.2026% | 2,289 |
| Core capital (leverage) ratio | 9.8583% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $604,791,250 | 1,470 |
| Average earning assets | $557,205,000 | 1,473 |
| Average equity | $55,785,750 | 1,458 |
| Average total loans | $474,829,000 | 1,283 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2426% | 331 |
| Cost of funding earning assets | 2.1627% | 366 |
| Net interest margin | 4.0798% | 1,113 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.7821% | 1,455 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.0408% | 2,282 |
| Return on assets (ROA) | 1.0408% | 2,280 |
| Pretax return on assets | 1.3167% | 2,032 |
| Return on Equity (ROE) | 11.2700% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.2746% | 1,130 |
| Net charge-offs to loans | -0.0077% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1613% | 2,463 |
| Assets per employee ($millions) | 7.0833% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4039% | 1,520 |
| Loan loss allowance to noncurrent loans | 291.9247% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 1,407 |
| Noncurrent loans to loans | 0.4809% | 1,512 |
| Net loans and leases to total assets | 77.7300% | 866 |
| Net loans and leases to deposits | 91.7613% | 1,043 |
| Net loans and leases to core deposits | 102.6038% | 1,110 |
| Total domestic deposits to total assets | 84.7100% | 2,619 |
| Equity capital to assets | 9.0560% | 2,478 |
| Core capital (leverage) ratio | 9.8869% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $595,879,333 | 1,484 |
| Average earning assets | $546,249,000 | 1,509 |
| Average equity | $55,008,667 | 1,481 |
| Average total loans | $465,701,333 | 1,290 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0159% | 307 |
| Cost of funding earning assets | 1.9863% | 304 |
| Net interest margin | 4.0296% | 1,212 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.9111% | 1,212 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.9374% | 2,727 |
| Return on assets (ROA) | 0.9374% | 2,683 |
| Pretax return on assets | 1.1849% | 2,463 |
| Return on Equity (ROE) | 10.0500% | 2,772 |
| Retained earnings to average equity (ytd only) | 10.0504% | 1,688 |
| Net charge-offs to loans | -0.0044% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3006% | 2,062 |
| Assets per employee ($millions) | 6.1393% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4099% | 1,582 |
| Loan loss allowance to noncurrent loans | 266.3298% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 1,241 |
| Noncurrent loans to loans | 0.5294% | 1,396 |
| Net loans and leases to total assets | 77.3700% | 836 |
| Net loans and leases to deposits | 92.7149% | 876 |
| Net loans and leases to core deposits | 104.9519% | 878 |
| Total domestic deposits to total assets | 83.4500% | 3,211 |
| Equity capital to assets | 9.2055% | 2,366 |
| Core capital (leverage) ratio | 10.0337% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $578,614,000 | 1,557 |
| Average earning assets | $533,851,000 | 1,561 |
| Average equity | $53,968,000 | 1,515 |
| Average total loans | $450,059,500 | 1,338 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9780% | 314 |
| Cost of funding earning assets | 0.6791% | 646 |
| Net interest margin | 4.2989% | 426 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 3.1851% | 735 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | 0.7831% | 3,386 |
| Return on assets (ROA) | 0.7831% | 3,319 |
| Pretax return on assets | 0.9807% | 3,129 |
| Return on Equity (ROE) | 7.9700% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.9716% | 1,845 |
| Net charge-offs to loans | 0.0877% | 794 |
| Credit loss provision to net charge-offs | 628.1250% | 582 |
| Earnings coverage of net charge-offs (x) | 20.8781% | 1,873 |
| Efficiency ratio | 69.4261% | 1,764 |
| Assets per employee ($millions) | 5.9757% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4446% | 1,358 |
| Loan loss allowance to noncurrent loans | 251.7922% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 1,152 |
| Noncurrent loans to loans | 0.5737% | 1,296 |
| Net loans and leases to total assets | 75.9300% | 1,015 |
| Net loans and leases to deposits | 91.5757% | 940 |
| Net loans and leases to core deposits | 96.6811% | 1,163 |
| Total domestic deposits to total assets | 82.9200% | 3,438 |
| Equity capital to assets | 9.4561% | 2,041 |
| Core capital (leverage) ratio | 10.6717% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $476,312,800 | 1,780 |
| Average earning assets | $434,835,200 | 1,806 |
| Average equity | $46,791,000 | 1,712 |
| Average total loans | $365,085,600 | 1,498 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7504% | 316 |
| Cost of funding earning assets | 0.4474% | 991 |
| Net interest margin | 4.3030% | 333 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 3.2825% | 608 |
| Loan and lease loss provision to assets | 0.5100% | 101 |
| Net operating income to assets | 0.6585% | 3,671 |
| Return on assets (ROA) | 0.6585% | 3,632 |
| Pretax return on assets | 0.8320% | 3,505 |
| Return on Equity (ROE) | 6.6300% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.6267% | 2,506 |
| Net charge-offs to loans | 0.1291% | 496 |
| Credit loss provision to net charge-offs | 511.8694% | 599 |
| Earnings coverage of net charge-offs (x) | 13.5430% | 1,884 |
| Efficiency ratio | 71.0498% | 1,636 |
| Assets per employee ($millions) | 5.3815% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4756% | 1,371 |
| Loan loss allowance to noncurrent loans | 255.1029% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 1,209 |
| Noncurrent loans to loans | 0.5784% | 1,386 |
| Net loans and leases to total assets | 76.0900% | 903 |
| Net loans and leases to deposits | 91.8722% | 770 |
| Net loans and leases to core deposits | 96.7165% | 966 |
| Total domestic deposits to total assets | 82.8200% | 3,720 |
| Equity capital to assets | 9.8885% | 1,674 |
| Core capital (leverage) ratio | 11.0091% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $454,962,500 | 1,851 |
| Average earning assets | $415,447,750 | 1,876 |
| Average equity | $45,209,750 | 1,771 |
| Average total loans | $348,161,000 | 1,548 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5352% | 356 |
| Cost of funding earning assets | 0.3155% | 1,572 |
| Net interest margin | 4.2197% | 322 |
| Noninterest income to average assets | 0.7096% | 1,293 |
| Noninterest expense to average assets | 3.3785% | 490 |
| Loan and lease loss provision to assets | 0.4369% | 123 |
| Net operating income to assets | 0.5751% | 3,695 |
| Return on assets (ROA) | 0.5751% | 3,643 |
| Pretax return on assets | 0.7281% | 3,504 |
| Return on Equity (ROE) | 5.7762% | 3,637 |
| Retained earnings to average equity (ytd only) | 5.7762% | 2,409 |
| Net charge-offs to loans | 0.2165% | 298 |
| Credit loss provision to net charge-offs | 264.7059% | 846 |
| Earnings coverage of net charge-offs (x) | 7.0588% | 1,870 |
| Efficiency ratio | 74.3590% | 1,473 |
| Assets per employee ($millions) | 4.9378% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4451% | 1,575 |
| Loan loss allowance to noncurrent loans | 184.4556% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 928 |
| Noncurrent loans to loans | 0.7835% | 1,092 |
| Net loans and leases to total assets | 75.6693% | 764 |
| Net loans and leases to deposits | 88.8247% | 784 |
| Net loans and leases to core deposits | 93.7965% | 924 |
| Total domestic deposits to total assets | 85.1895% | 3,443 |
| Equity capital to assets | 10.9949% | 1,212 |
| Core capital (leverage) ratio | 11.5830% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $432,614,000 | 1,928 |
| Average earning assets | $393,060,000 | 1,973 |
| Average equity | $43,073,333 | 1,892 |
| Average total loans | $329,830,667 | 1,599 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4954% | 314 |
| Cost of funding earning assets | 0.3005% | 1,654 |
| Net interest margin | 4.1950% | 287 |
| Noninterest income to average assets | 0.6410% | 1,526 |
| Noninterest expense to average assets | 3.3873% | 474 |
| Loan and lease loss provision to assets | 0.3090% | 199 |
| Net operating income to assets | 0.6026% | 3,385 |
| Return on assets (ROA) | 0.6026% | 3,367 |
| Pretax return on assets | 0.7629% | 3,219 |
| Return on Equity (ROE) | 6.4256% | 3,210 |
| Retained earnings to average equity (ytd only) | 6.4256% | 2,098 |
| Net charge-offs to loans | 0.3601% | 184 |
| Credit loss provision to net charge-offs | 112.9825% | 956 |
| Earnings coverage of net charge-offs (x) | 3.9193% | 1,642 |
| Efficiency ratio | 75.9630% | 1,527 |
| Assets per employee ($millions) | 4.7491% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3997% | 1,903 |
| Loan loss allowance to noncurrent loans | 154.5546% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 844 |
| Noncurrent loans to loans | 0.9056% | 1,016 |
| Net loans and leases to total assets | 74.1351% | 650 |
| Net loans and leases to deposits | 85.1291% | 795 |
| Net loans and leases to core deposits | 90.4125% | 905 |
| Total domestic deposits to total assets | 87.0855% | 2,898 |
| Equity capital to assets | 8.8758% | 2,816 |
| Core capital (leverage) ratio | 9.5262% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $416,846,000 | 1,991 |
| Average earning assets | $379,406,500 | 2,031 |
| Average equity | $39,093,500 | 2,089 |
| Average total loans | $316,561,500 | 1,631 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8953% | 305 |
| Cost of funding earning assets | 0.3184% | 2,211 |
| Net interest margin | 4.5769% | 234 |
| Noninterest income to average assets | 0.8792% | 1,256 |
| Noninterest expense to average assets | 3.4715% | 499 |
| Loan and lease loss provision to assets | 0.3553% | 204 |
| Net operating income to assets | 0.9375% | 2,913 |
| Return on assets (ROA) | 0.9375% | 2,978 |
| Pretax return on assets | 1.1868% | 2,707 |
| Return on Equity (ROE) | 9.5957% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.3288% | 1,416 |
| Net charge-offs to loans | 0.1523% | 633 |
| Credit loss provision to net charge-offs | 305.8252% | 1,048 |
| Earnings coverage of net charge-offs (x) | 13.2743% | 2,081 |
| Efficiency ratio | 69.2424% | 1,822 |
| Assets per employee ($millions) | 4.1331% | 4,367 |
| Cash dividends to net income (ytd only)* | 13.2030% | 3,257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4973% | 1,569 |
| Loan loss allowance to noncurrent loans | 149.0036% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 708 |
| Noncurrent loans to loans | 1.0048% | 980 |
| Net loans and leases to total assets | 75.6241% | 540 |
| Net loans and leases to deposits | 85.7193% | 809 |
| Net loans and leases to core deposits | 91.6687% | 896 |
| Total domestic deposits to total assets | 88.2230% | 1,925 |
| Equity capital to assets | 9.9337% | 2,720 |
| Core capital (leverage) ratio | 10.0932% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $354,658,800 | 2,173 |
| Average earning assets | $320,367,400 | 2,229 |
| Average equity | $34,651,000 | 2,307 |
| Average total loans | $270,589,800 | 1,834 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9703% | 321 |
| Cost of funding earning assets | 0.3217% | 2,390 |
| Net interest margin | 4.6486% | 243 |
| Noninterest income to average assets | 0.9016% | 1,253 |
| Noninterest expense to average assets | 3.3986% | 532 |
| Loan and lease loss provision to assets | 0.3002% | 266 |
| Net operating income to assets | 1.1112% | 2,510 |
| Return on assets (ROA) | 1.1112% | 2,565 |
| Pretax return on assets | 1.4068% | 2,306 |
| Return on Equity (ROE) | 11.4283% | 2,231 |
| Retained earnings to average equity (ytd only) | 10.0017% | 1,311 |
| Net charge-offs to loans | 0.2401% | 343 |
| Credit loss provision to net charge-offs | 164.1949% | 1,302 |
| Earnings coverage of net charge-offs (x) | 9.3347% | 2,080 |
| Efficiency ratio | 66.5655% | 2,027 |
| Assets per employee ($millions) | 4.1783% | 4,344 |
| Cash dividends to net income (ytd only)* | 12.4826% | 2,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3407% | 2,273 |
| Loan loss allowance to noncurrent loans | 763.4981% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 2,828 |
| Noncurrent loans to loans | 0.1756% | 3,248 |
| Net loans and leases to total assets | 77.7266% | 418 |
| Net loans and leases to deposits | 88.6622% | 677 |
| Net loans and leases to core deposits | 95.1874% | 784 |
| Total domestic deposits to total assets | 87.6660% | 2,022 |
| Equity capital to assets | 10.3110% | 2,604 |
| Core capital (leverage) ratio | 10.4575% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $344,128,250 | 2,248 |
| Average earning assets | $311,228,250 | 2,297 |
| Average equity | $33,460,000 | 2,388 |
| Average total loans | $262,081,500 | 1,903 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0494% | 319 |
| Cost of funding earning assets | 0.3285% | 2,506 |
| Net interest margin | 4.7209% | 252 |
| Noninterest income to average assets | 0.8196% | 1,480 |
| Noninterest expense to average assets | 3.4279% | 514 |
| Loan and lease loss provision to assets | 0.1204% | 1,050 |
| Net operating income to assets | 1.2147% | 2,133 |
| Return on assets (ROA) | 1.2147% | 2,207 |
| Pretax return on assets | 1.5381% | 1,905 |
| Return on Equity (ROE) | 12.7881% | 1,791 |
| Retained earnings to average equity (ytd only) | 11.1650% | 1,086 |
| Net charge-offs to loans | -0.0537% | 4,404 |
| Credit loss provision to net charge-offs | -298.5075% | 3,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3928% | 1,951 |
| Assets per employee ($millions) | 3.9855% | 4,453 |
| Cash dividends to net income (ytd only)* | 12.6921% | 2,783 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4916% | 1,617 |
| Loan loss allowance to noncurrent loans | 290.9357% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 2,045 |
| Noncurrent loans to loans | 0.5127% | 2,139 |
| Net loans and leases to total assets | 74.9462% | 683 |
| Net loans and leases to deposits | 85.2361% | 965 |
| Net loans and leases to core deposits | 91.7866% | 1,019 |
| Total domestic deposits to total assets | 87.9277% | 1,870 |
| Equity capital to assets | 9.8631% | 2,985 |
| Core capital (leverage) ratio | 9.7942% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $332,096,333 | 2,293 |
| Average earning assets | $300,155,333 | 2,348 |
| Average equity | $31,545,000 | 2,472 |
| Average total loans | $249,591,667 | 1,962 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9785% | 369 |
| Cost of funding earning assets | 0.3307% | 2,701 |
| Net interest margin | 4.6478% | 288 |
| Noninterest income to average assets | 0.8910% | 1,356 |
| Noninterest expense to average assets | 3.5528% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2405% | 2,008 |
| Return on assets (ROA) | 1.2405% | 2,092 |
| Pretax return on assets | 1.5701% | 1,801 |
| Return on Equity (ROE) | 13.3371% | 1,583 |
| Retained earnings to average equity (ytd only) | 11.4585% | 1,281 |
| Net charge-offs to loans | -0.0880% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3517% | 1,779 |
| Assets per employee ($millions) | 3.7096% | 4,619 |
| Cash dividends to net income (ytd only)* | 14.0859% | 2,165 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5178% | 1,542 |
| Loan loss allowance to noncurrent loans | 199.4174% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 951 |
| Noncurrent loans to loans | 0.7611% | 1,715 |
| Net loans and leases to total assets | 72.3682% | 971 |
| Net loans and leases to deposits | 81.5245% | 1,373 |
| Net loans and leases to core deposits | 87.3771% | 1,424 |
| Total domestic deposits to total assets | 88.7686% | 1,458 |
| Equity capital to assets | 9.0159% | 3,663 |
| Core capital (leverage) ratio | 9.3989% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $322,784,000 | 2,329 |
| Average earning assets | $293,901,500 | 2,369 |
| Average equity | $30,021,500 | 2,542 |
| Average total loans | $240,971,500 | 2,025 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2216% | 323 |
| Cost of funding earning assets | 0.4032% | 3,559 |
| Net interest margin | 4.8184% | 165 |
| Noninterest income to average assets | 0.9470% | 1,158 |
| Noninterest expense to average assets | 3.8709% | 425 |
| Loan and lease loss provision to assets | 0.1943% | 2,013 |
| Net operating income to assets | 0.9713% | 2,391 |
| Return on assets (ROA) | 0.9713% | 2,540 |
| Pretax return on assets | 1.2221% | 2,253 |
| Return on Equity (ROE) | 9.8517% | 2,059 |
| Retained earnings to average equity (ytd only) | 8.2613% | 982 |
| Net charge-offs to loans | -0.1081% | 4,824 |
| Credit loss provision to net charge-offs | -236.2869% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2122% | 1,539 |
| Assets per employee ($millions) | 3.5814% | 4,619 |
| Cash dividends to net income (ytd only)* | 16.1429% | 3,387 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5875% | 1,329 |
| Loan loss allowance to noncurrent loans | 233.3752% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 1,101 |
| Noncurrent loans to loans | 0.6803% | 1,984 |
| Net loans and leases to total assets | 74.7316% | 934 |
| Net loans and leases to deposits | 86.4057% | 1,223 |
| Net loans and leases to core deposits | 92.6309% | 1,330 |
| Total domestic deposits to total assets | 86.4892% | 2,156 |
| Equity capital to assets | 9.6131% | 3,495 |
| Core capital (leverage) ratio | 9.3849% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $288,280,200 | 2,352 |
| Average earning assets | $259,672,000 | 2,404 |
| Average equity | $28,421,600 | 2,578 |
| Average total loans | $219,197,800 | 2,107 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3536% | 312 |
| Cost of funding earning assets | 0.4120% | 3,752 |
| Net interest margin | 4.9415% | 154 |
| Noninterest income to average assets | 0.9665% | 1,088 |
| Noninterest expense to average assets | 3.9413% | 399 |
| Loan and lease loss provision to assets | 0.1863% | 2,125 |
| Net operating income to assets | 1.0103% | 2,303 |
| Return on assets (ROA) | 1.0103% | 2,433 |
| Pretax return on assets | 1.2691% | 2,159 |
| Return on Equity (ROE) | 10.1781% | 1,958 |
| Retained earnings to average equity (ytd only) | 8.5663% | 1,121 |
| Net charge-offs to loans | -0.0582% | 4,707 |
| Credit loss provision to net charge-offs | -421.2766% | 3,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0317% | 1,519 |
| Assets per employee ($millions) | 3.9948% | 4,313 |
| Cash dividends to net income (ytd only)* | 15.8361% | 2,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4330% | 1,594 |
| Loan loss allowance to noncurrent loans | 114.7138% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 1,179 |
| Noncurrent loans to loans | 1.2492% | 1,208 |
| Net loans and leases to total assets | 75.2072% | 1,205 |
| Net loans and leases to deposits | 86.7573% | 1,617 |
| Net loans and leases to core deposits | 92.7624% | 1,731 |
| Total domestic deposits to total assets | 86.6868% | 1,778 |
| Equity capital to assets | 9.3339% | 3,831 |
| Core capital (leverage) ratio | 9.0975% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $283,351,000 | 2,360 |
| Average earning assets | $254,030,500 | 2,420 |
| Average equity | $28,125,000 | 2,589 |
| Average total loans | $215,526,250 | 2,133 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5088% | 334 |
| Cost of funding earning assets | 0.4010% | 4,033 |
| Net interest margin | 5.1077% | 168 |
| Noninterest income to average assets | 1.0090% | 968 |
| Noninterest expense to average assets | 3.9440% | 432 |
| Loan and lease loss provision to assets | 0.0876% | 3,186 |
| Net operating income to assets | 1.2412% | 1,517 |
| Return on assets (ROA) | 1.2412% | 1,633 |
| Pretax return on assets | 1.5712% | 1,290 |
| Return on Equity (ROE) | 12.2279% | 1,279 |
| Retained earnings to average equity (ytd only) | 11.0051% | 603 |
| Net charge-offs to loans | -0.0634% | 4,741 |
| Credit loss provision to net charge-offs | -181.8182% | 3,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3935% | 1,907 |
| Assets per employee ($millions) | 4.0687% | 4,239 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3642% | 1,716 |
| Loan loss allowance to noncurrent loans | 130.7757% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 1,599 |
| Noncurrent loans to loans | 1.0432% | 1,496 |
| Net loans and leases to total assets | 73.4982% | 1,476 |
| Net loans and leases to deposits | 87.5262% | 1,608 |
| Net loans and leases to core deposits | 90.7586% | 2,011 |
| Total domestic deposits to total assets | 83.9727% | 2,755 |
| Equity capital to assets | 9.4354% | 3,715 |
| Core capital (leverage) ratio | 9.6678% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $273,936,667 | 2,386 |
| Average earning assets | $246,371,333 | 2,446 |
| Average equity | $27,805,333 | 2,595 |
| Average total loans | $208,119,000 | 2,161 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4723% | 396 |
| Cost of funding earning assets | 0.4268% | 4,249 |
| Net interest margin | 5.0455% | 174 |
| Noninterest income to average assets | 1.1334% | 680 |
| Noninterest expense to average assets | 4.2225% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1474% | 1,694 |
| Return on assets (ROA) | 1.1474% | 1,802 |
| Pretax return on assets | 1.4509% | 1,433 |
| Return on Equity (ROE) | 10.8524% | 1,456 |
| Retained earnings to average equity (ytd only) | 9.2414% | 911 |
| Net charge-offs to loans | -0.0383% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4269% | 1,760 |
| Assets per employee ($millions) | 3.5682% | 4,421 |
| Cash dividends to net income (ytd only)* | 14.8448% | 2,427 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4350% | 1,565 |
| Loan loss allowance to noncurrent loans | 145.1039% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 1,814 |
| Noncurrent loans to loans | 0.9890% | 1,672 |
| Net loans and leases to total assets | 74.3135% | 1,558 |
| Net loans and leases to deposits | 90.0239% | 1,509 |
| Net loans and leases to core deposits | 93.8692% | 1,992 |
| Total domestic deposits to total assets | 82.5486% | 3,250 |
| Equity capital to assets | 10.2116% | 3,596 |
| Core capital (leverage) ratio | 10.9520% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $258,330,500 | 2,442 |
| Average earning assets | $232,442,500 | 2,484 |
| Average equity | $27,312,000 | 2,621 |
| Average total loans | $198,488,000 | 2,199 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2085% | 972 |
| Cost of funding earning assets | 0.3744% | 4,523 |
| Net interest margin | 4.8340% | 376 |
| Noninterest income to average assets | 1.3943% | 490 |
| Noninterest expense to average assets | 4.7317% | 255 |
| Loan and lease loss provision to assets | 0.0094% | 3,820 |
| Net operating income to assets | 0.8122% | 3,522 |
| Return on assets (ROA) | 0.8122% | 3,612 |
| Pretax return on assets | 1.0222% | 3,410 |
| Return on Equity (ROE) | 7.2508% | 3,465 |
| Retained earnings to average equity (ytd only) | -1.6369% | 4,856 |
| Net charge-offs to loans | 0.2875% | 730 |
| Credit loss provision to net charge-offs | 4.5908% | 3,373 |
| Earnings coverage of net charge-offs (x) | 5.0200% | 3,142 |
| Efficiency ratio | 82.0996% | 794 |
| Assets per employee ($millions) | 3.1881% | 4,710 |
| Cash dividends to net income (ytd only)* | 122.5758% | 168 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5147% | 1,181 |
| Loan loss allowance to noncurrent loans | 419.5683% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 2,887 |
| Noncurrent loans to loans | 0.3610% | 3,154 |
| Net loans and leases to total assets | 77.2372% | 1,218 |
| Net loans and leases to deposits | 87.5881% | 1,899 |
| Net loans and leases to core deposits | 93.0014% | 2,160 |
| Total domestic deposits to total assets | 88.1823% | 1,041 |
| Equity capital to assets | 10.9712% | 3,024 |
| Core capital (leverage) ratio | 11.0037% | 2,500 |
| Tier 1 risk-based capital ratio | 14.1011% | 3,214 |
| Total risk-based capital ratio | 15.3540% | 3,126 |
| Memoranda: |
| Average total assets | $243,780,200 | 2,503 |
| Average earning assets | $220,333,600 | 2,534 |
| Average equity | $27,307,200 | 2,538 |
| Average total loans | $174,254,400 | 2,376 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1307% | 1,211 |
| Cost of funding earning assets | 0.3568% | 4,635 |
| Net interest margin | 4.7739% | 433 |
| Noninterest income to average assets | 1.5423% | 384 |
| Noninterest expense to average assets | 4.6323% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9763% | 3,067 |
| Return on assets (ROA) | 0.9763% | 3,142 |
| Pretax return on assets | 1.2278% | 2,890 |
| Return on Equity (ROE) | 8.6710% | 3,022 |
| Retained earnings to average equity (ytd only) | -3.1385% | 4,995 |
| Net charge-offs to loans | 0.1886% | 909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 9.3376% | 2,580 |
| Efficiency ratio | 79.0482% | 1,008 |
| Assets per employee ($millions) | 3.2020% | 4,755 |
| Cash dividends to net income (ytd only)* | 136.1954% | 145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7893% | 700 |
| Loan loss allowance to noncurrent loans | 379.5427% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 3,128 |
| Noncurrent loans to loans | 0.4714% | 2,887 |
| Net loans and leases to total assets | 72.0861% | 2,164 |
| Net loans and leases to deposits | 81.9707% | 2,683 |
| Net loans and leases to core deposits | 86.6927% | 2,849 |
| Total domestic deposits to total assets | 87.9412% | 1,058 |
| Equity capital to assets | 11.1114% | 2,999 |
| Core capital (leverage) ratio | 11.2126% | 2,464 |
| Tier 1 risk-based capital ratio | 15.1556% | 2,779 |
| Total risk-based capital ratio | 16.4121% | 2,702 |
| Memoranda: |
| Average total assets | $243,355,250 | 2,524 |
| Average earning assets | $220,106,250 | 2,558 |
| Average equity | $27,401,000 | 2,549 |
| Average total loans | $169,688,500 | 2,442 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9892% | 1,513 |
| Cost of funding earning assets | 0.3415% | 4,705 |
| Net interest margin | 4.6477% | 554 |
| Noninterest income to average assets | 1.6758% | 339 |
| Noninterest expense to average assets | 4.5789% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0441% | 2,749 |
| Return on assets (ROA) | 1.0441% | 2,821 |
| Pretax return on assets | 1.3059% | 2,545 |
| Return on Equity (ROE) | 9.2330% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.6700% | 1,532 |
| Net charge-offs to loans | 0.3606% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 5.2848% | 2,676 |
| Efficiency ratio | 77.8087% | 1,175 |
| Assets per employee ($millions) | 3.2214% | 4,759 |
| Cash dividends to net income (ytd only)* | 16.9279% | 3,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8717% | 596 |
| Loan loss allowance to noncurrent loans | 377.9951% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 3,154 |
| Noncurrent loans to loans | 0.4952% | 2,799 |
| Net loans and leases to total assets | 67.0952% | 2,950 |
| Net loans and leases to deposits | 76.7167% | 3,269 |
| Net loans and leases to core deposits | 80.1020% | 3,414 |
| Total domestic deposits to total assets | 87.4584% | 1,359 |
| Equity capital to assets | 11.7217% | 2,419 |
| Core capital (leverage) ratio | 11.9606% | 1,851 |
| Tier 1 risk-based capital ratio | 17.5326% | 1,933 |
| Total risk-based capital ratio | 18.7904% | 1,888 |
| Memoranda: |
| Average total assets | $244,424,000 | 2,530 |
| Average earning assets | $221,357,670 | 2,556 |
| Average equity | $27,640,000 | 2,526 |
| Average total loans | $167,495,330 | 2,468 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0807% | 1,137 |
| Cost of funding earning assets | 0.3476% | 4,689 |
| Net interest margin | 4.7331% | 464 |
| Noninterest income to average assets | 2.1543% | 221 |
| Noninterest expense to average assets | 4.3851% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6352% | 831 |
| Return on assets (ROA) | 1.6352% | 861 |
| Pretax return on assets | 2.0453% | 593 |
| Return on Equity (ROE) | 14.7253% | 806 |
| Retained earnings to average equity (ytd only) | 14.7253% | 295 |
| Net charge-offs to loans | 0.4364% | 348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.8315% | 2,170 |
| Efficiency ratio | 68.1933% | 2,614 |
| Assets per employee ($millions) | 3.2618% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1796% | 364 |
| Loan loss allowance to noncurrent loans | 103.4816% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 878 |
| Noncurrent loans to loans | 2.1062% | 695 |
| Net loans and leases to total assets | 60.5035% | 3,658 |
| Net loans and leases to deposits | 69.3659% | 3,816 |
| Net loans and leases to core deposits | 71.7235% | 3,966 |
| Total domestic deposits to total assets | 87.2237% | 1,702 |
| Equity capital to assets | 11.7180% | 2,216 |
| Core capital (leverage) ratio | 11.9093% | 1,823 |
| Tier 1 risk-based capital ratio | 18.9970% | 1,544 |
| Total risk-based capital ratio | 20.2576% | 1,515 |
| Memoranda: |
| Average total assets | $245,834,500 | 2,546 |
| Average earning assets | $222,097,000 | 2,573 |
| Average equity | $27,300,000 | 2,554 |
| Average total loans | $168,645,000 | 2,487 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8505% | 1,424 |
| Cost of funding earning assets | 0.2344% | 4,874 |
| Net interest margin | 4.6161% | 585 |
| Noninterest income to average assets | 1.3054% | 545 |
| Noninterest expense to average assets | 4.3776% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8830% | 3,481 |
| Return on assets (ROA) | 0.8830% | 3,475 |
| Pretax return on assets | 1.0914% | 3,305 |
| Return on Equity (ROE) | 8.0868% | 3,394 |
| Retained earnings to average equity (ytd only) | 8.0868% | 1,196 |
| Net charge-offs to loans | -0.0699% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0436% | 956 |
| Assets per employee ($millions) | 3.2929% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7862% | 699 |
| Loan loss allowance to noncurrent loans | 129.7401% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 1,168 |
| Noncurrent loans to loans | 1.3767% | 1,135 |
| Net loans and leases to total assets | 73.6008% | 1,993 |
| Net loans and leases to deposits | 89.0711% | 1,919 |
| Net loans and leases to core deposits | 91.8401% | 2,418 |
| Total domestic deposits to total assets | 82.6315% | 3,442 |
| Equity capital to assets | 10.5294% | 3,151 |
| Core capital (leverage) ratio | 11.5197% | 2,088 |
| Tier 1 risk-based capital ratio | 14.0984% | 3,245 |
| Total risk-based capital ratio | 15.3543% | 3,178 |
| Memoranda: |
| Average total assets | $235,104,600 | 2,574 |
| Average earning assets | $212,060,200 | 2,624 |
| Average equity | $25,671,400 | 2,593 |
| Average total loans | $168,876,000 | 2,447 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7881% | 1,458 |
| Cost of funding earning assets | 0.2116% | 4,978 |
| Net interest margin | 4.5765% | 627 |
| Noninterest income to average assets | 1.3380% | 532 |
| Noninterest expense to average assets | 4.2390% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9909% | 3,118 |
| Return on assets (ROA) | 0.9909% | 3,128 |
| Pretax return on assets | 1.2275% | 2,887 |
| Return on Equity (ROE) | 8.9867% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.9867% | 1,223 |
| Net charge-offs to loans | -0.0864% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5450% | 1,169 |
| Assets per employee ($millions) | 3.2479% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8980% | 598 |
| Loan loss allowance to noncurrent loans | 124.1101% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.2790% | 1,075 |
| Noncurrent loans to loans | 1.5293% | 1,053 |
| Net loans and leases to total assets | 74.7527% | 1,861 |
| Net loans and leases to deposits | 85.4969% | 2,419 |
| Net loans and leases to core deposits | 88.2173% | 2,834 |
| Total domestic deposits to total assets | 87.4332% | 1,529 |
| Equity capital to assets | 11.1979% | 2,475 |
| Core capital (leverage) ratio | 11.6339% | 2,058 |
| Tier 1 risk-based capital ratio | 14.9754% | 2,892 |
| Total risk-based capital ratio | 16.2327% | 2,812 |
| Memoranda: |
| Average total assets | $230,491,500 | 2,621 |
| Average earning assets | $207,925,250 | 2,668 |
| Average equity | $25,414,750 | 2,625 |
| Average total loans | $163,591,500 | 2,511 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5762% | 1,856 |
| Cost of funding earning assets | 0.2076% | 4,994 |
| Net interest margin | 4.3686% | 911 |
| Noninterest income to average assets | 1.3664% | 513 |
| Noninterest expense to average assets | 4.2283% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8764% | 3,553 |
| Return on assets (ROA) | 0.8764% | 3,556 |
| Pretax return on assets | 1.0830% | 3,378 |
| Return on Equity (ROE) | 8.0385% | 3,491 |
| Retained earnings to average equity (ytd only) | 8.0385% | 1,615 |
| Net charge-offs to loans | -0.1122% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6093% | 1,055 |
| Assets per employee ($millions) | 3.2269% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0533% | 473 |
| Loan loss allowance to noncurrent loans | 113.3760% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.4276% | 955 |
| Noncurrent loans to loans | 1.8111% | 858 |
| Net loans and leases to total assets | 69.0863% | 2,708 |
| Net loans and leases to deposits | 78.7823% | 3,077 |
| Net loans and leases to core deposits | 81.1284% | 3,311 |
| Total domestic deposits to total assets | 87.6926% | 1,546 |
| Equity capital to assets | 10.9968% | 2,644 |
| Core capital (leverage) ratio | 11.4407% | 2,121 |
| Tier 1 risk-based capital ratio | 15.7812% | 2,523 |
| Total risk-based capital ratio | 17.0406% | 2,462 |
| Memoranda: |
| Average total assets | $229,357,670 | 2,641 |
| Average earning assets | $207,113,670 | 2,695 |
| Average equity | $25,004,670 | 2,664 |
| Average total loans | $158,712,670 | 2,562 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4265% | 2,107 |
| Cost of funding earning assets | 0.2059% | 4,981 |
| Net interest margin | 4.2206% | 1,129 |
| Noninterest income to average assets | 1.4219% | 468 |
| Noninterest expense to average assets | 4.2025% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8408% | 3,551 |
| Return on assets (ROA) | 0.8408% | 3,566 |
| Pretax return on assets | 1.0339% | 3,416 |
| Return on Equity (ROE) | 7.7470% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.7470% | 1,941 |
| Net charge-offs to loans | -0.1050% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2548% | 1,107 |
| Assets per employee ($millions) | 3.1455% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1391% | 433 |
| Loan loss allowance to noncurrent loans | 110.3093% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.4616% | 975 |
| Noncurrent loans to loans | 1.9392% | 836 |
| Net loans and leases to total assets | 66.0856% | 3,020 |
| Net loans and leases to deposits | 75.2614% | 3,294 |
| Net loans and leases to core deposits | 77.7227% | 3,518 |
| Total domestic deposits to total assets | 87.8081% | 1,727 |
| Equity capital to assets | 10.8127% | 2,760 |
| Core capital (leverage) ratio | 11.3246% | 2,143 |
| Tier 1 risk-based capital ratio | 15.9641% | 2,493 |
| Total risk-based capital ratio | 17.2237% | 2,427 |
| Memoranda: |
| Average total assets | $227,866,500 | 2,677 |
| Average earning assets | $205,943,500 | 2,734 |
| Average equity | $24,732,000 | 2,706 |
| Average total loans | $156,129,000 | 2,612 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5890% | 1,459 |
| Cost of funding earning assets | 0.2096% | 4,868 |
| Net interest margin | 4.3794% | 811 |
| Noninterest income to average assets | 1.4226% | 526 |
| Noninterest expense to average assets | 4.4260% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4574% | 4,501 |
| Return on assets (ROA) | 0.4574% | 4,534 |
| Pretax return on assets | 0.9130% | 3,867 |
| Return on Equity (ROE) | 4.1597% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.8073% | 3,630 |
| Net charge-offs to loans | -0.0068% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9001% | 859 |
| Assets per employee ($millions) | 3.0975% | 5,127 |
| Cash dividends to net income (ytd only)* | 32.5123% | 3,194 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0840% | 457 |
| Loan loss allowance to noncurrent loans | 391.3978% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 2,810 |
| Noncurrent loans to loans | 0.5325% | 2,906 |
| Net loans and leases to total assets | 68.0719% | 2,808 |
| Net loans and leases to deposits | 77.5873% | 3,164 |
| Net loans and leases to core deposits | 79.8626% | 3,432 |
| Total domestic deposits to total assets | 87.7358% | 1,639 |
| Equity capital to assets | 10.8954% | 2,735 |
| Core capital (leverage) ratio | 11.1217% | 2,225 |
| Tier 1 risk-based capital ratio | 15.4023% | 2,659 |
| Total risk-based capital ratio | 16.6616% | 2,596 |
| Memoranda: |
| Average total assets | $221,916,000 | 2,711 |
| Average earning assets | $198,451,800 | 2,785 |
| Average equity | $24,400,800 | 2,724 |
| Average total loans | $160,638,200 | 2,542 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5802% | 1,421 |
| Cost of funding earning assets | 0.2089% | 4,894 |
| Net interest margin | 4.3713% | 778 |
| Noninterest income to average assets | 1.4295% | 525 |
| Noninterest expense to average assets | 4.4255% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6646% | 4,139 |
| Return on assets (ROA) | 0.6646% | 4,194 |
| Pretax return on assets | 0.9073% | 4,016 |
| Return on Equity (ROE) | 6.0306% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.2230% | 3,387 |
| Net charge-offs to loans | 0.0215% | 3,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 57.8007% | 1,014 |
| Efficiency ratio | 82.9862% | 842 |
| Assets per employee ($millions) | 3.0919% | 5,185 |
| Cash dividends to net income (ytd only)* | 29.9729% | 2,750 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9917% | 577 |
| Loan loss allowance to noncurrent loans | 314.4660% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 2,949 |
| Noncurrent loans to loans | 0.6334% | 2,808 |
| Net loans and leases to total assets | 71.5942% | 2,318 |
| Net loans and leases to deposits | 81.9475% | 2,781 |
| Net loans and leases to core deposits | 84.6242% | 3,077 |
| Total domestic deposits to total assets | 87.3659% | 1,689 |
| Equity capital to assets | 11.1913% | 2,683 |
| Core capital (leverage) ratio | 11.4569% | 2,051 |
| Tier 1 risk-based capital ratio | 15.0802% | 2,883 |
| Total risk-based capital ratio | 16.3384% | 2,810 |
| Memoranda: |
| Average total assets | $220,866,500 | 2,741 |
| Average earning assets | $197,222,000 | 2,821 |
| Average equity | $24,342,000 | 2,750 |
| Average total loans | $161,498,750 | 2,542 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5265% | 1,448 |
| Cost of funding earning assets | 0.2001% | 4,983 |
| Net interest margin | 4.3264% | 807 |
| Noninterest income to average assets | 1.4654% | 502 |
| Noninterest expense to average assets | 4.4425% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6537% | 4,059 |
| Return on assets (ROA) | 0.6537% | 4,116 |
| Pretax return on assets | 0.8907% | 3,959 |
| Return on Equity (ROE) | 5.9624% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.2296% | 3,789 |
| Net charge-offs to loans | -0.1427% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2993% | 898 |
| Assets per employee ($millions) | 3.1123% | 5,180 |
| Cash dividends to net income (ytd only)* | 45.8333% | 2,056 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0807% | 527 |
| Loan loss allowance to noncurrent loans | 323.1358% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 2,940 |
| Noncurrent loans to loans | 0.6439% | 2,802 |
| Net loans and leases to total assets | 71.9831% | 2,208 |
| Net loans and leases to deposits | 83.1086% | 2,588 |
| Net loans and leases to core deposits | 85.6795% | 2,910 |
| Total domestic deposits to total assets | 86.6134% | 2,123 |
| Equity capital to assets | 11.0977% | 2,707 |
| Core capital (leverage) ratio | 11.2964% | 2,131 |
| Tier 1 risk-based capital ratio | 14.7808% | 3,023 |
| Total risk-based capital ratio | 16.0402% | 2,951 |
| Memoranda: |
| Average total assets | $220,282,000 | 2,765 |
| Average earning assets | $196,931,000 | 2,841 |
| Average equity | $24,151,330 | 2,764 |
| Average total loans | $161,124,330 | 2,541 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4108% | 1,616 |
| Cost of funding earning assets | 0.1669% | 5,253 |
| Net interest margin | 4.2439% | 896 |
| Noninterest income to average assets | 1.5059% | 478 |
| Noninterest expense to average assets | 4.5722% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5493% | 4,384 |
| Return on assets (ROA) | 0.5493% | 4,428 |
| Pretax return on assets | 0.7257% | 4,367 |
| Return on Equity (ROE) | 5.0406% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.0406% | 2,867 |
| Net charge-offs to loans | -0.1969% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3028% | 786 |
| Assets per employee ($millions) | 3.2541% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0541% | 604 |
| Loan loss allowance to noncurrent loans | 597.1429% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,973 |
| Noncurrent loans to loans | 0.3440% | 3,871 |
| Net loans and leases to total assets | 72.0582% | 2,067 |
| Net loans and leases to deposits | 83.0070% | 2,394 |
| Net loans and leases to core deposits | 85.5633% | 2,762 |
| Total domestic deposits to total assets | 86.8098% | 2,304 |
| Equity capital to assets | 10.9342% | 2,706 |
| Core capital (leverage) ratio | 11.3676% | 2,047 |
| Tier 1 risk-based capital ratio | 14.6983% | 3,116 |
| Total risk-based capital ratio | 15.9569% | 3,037 |
| Memoranda: |
| Average total assets | $219,936,000 | 2,792 |
| Average earning assets | $196,517,500 | 2,865 |
| Average equity | $23,965,500 | 2,797 |
| Average total loans | $160,464,500 | 2,574 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2860% | 2,186 |
| Cost of funding earning assets | 0.1731% | 5,264 |
| Net interest margin | 4.1130% | 1,355 |
| Noninterest income to average assets | 1.6195% | 467 |
| Noninterest expense to average assets | 4.7577% | 302 |
| Loan and lease loss provision to assets | -0.2119% | 5,792 |
| Net operating income to assets | 0.5511% | 4,431 |
| Return on assets (ROA) | 0.5608% | 4,487 |
| Pretax return on assets | 0.7442% | 4,360 |
| Return on Equity (ROE) | 5.3276% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.0857% | 3,009 |
| Net charge-offs to loans | -0.0961% | 5,579 |
| Credit loss provision to net charge-offs | 332.1678% | 910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1589% | 544 |
| Assets per employee ($millions) | 3.0360% | 5,322 |
| Cash dividends to net income (ytd only)* | 23.3095% | 3,593 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0647% | 581 |
| Loan loss allowance to noncurrent loans | 633.9806% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,182 |
| Noncurrent loans to loans | 0.3257% | 3,976 |
| Net loans and leases to total assets | 70.8487% | 2,358 |
| Net loans and leases to deposits | 81.6193% | 2,712 |
| Net loans and leases to core deposits | 85.5787% | 2,881 |
| Total domestic deposits to total assets | 86.8038% | 2,244 |
| Equity capital to assets | 10.8585% | 2,753 |
| Core capital (leverage) ratio | 10.9805% | 2,362 |
| Tier 1 risk-based capital ratio | 14.7242% | 3,088 |
| Total risk-based capital ratio | 15.9826% | 3,028 |
| Memoranda: |
| Average total assets | $224,142,200 | 2,721 |
| Average earning assets | $199,321,200 | 2,798 |
| Average equity | $23,594,200 | 2,837 |
| Average total loans | $148,807,800 | 2,661 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1855% | 2,559 |
| Cost of funding earning assets | 0.1744% | 5,309 |
| Net interest margin | 4.0112% | 1,617 |
| Noninterest income to average assets | 1.6346% | 457 |
| Noninterest expense to average assets | 4.8270% | 300 |
| Loan and lease loss provision to assets | -0.1330% | 5,825 |
| Net operating income to assets | 0.3949% | 5,034 |
| Return on assets (ROA) | 0.3925% | 5,133 |
| Pretax return on assets | 0.5007% | 5,121 |
| Return on Equity (ROE) | 3.7579% | 5,005 |
| Retained earnings to average equity (ytd only) | 2.1732% | 4,605 |
| Net charge-offs to loans | -0.1511% | 5,691 |
| Credit loss provision to net charge-offs | 135.5422% | 1,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8685% | 435 |
| Assets per employee ($millions) | 3.0731% | 5,316 |
| Cash dividends to net income (ytd only)* | 42.1683% | 2,246 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4638% | 344 |
| Loan loss allowance to noncurrent loans | 309.8074% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 3,241 |
| Noncurrent loans to loans | 0.7953% | 2,680 |
| Net loans and leases to total assets | 63.3002% | 3,488 |
| Net loans and leases to deposits | 72.7864% | 3,726 |
| Net loans and leases to core deposits | 76.1514% | 3,817 |
| Total domestic deposits to total assets | 86.9671% | 1,914 |
| Equity capital to assets | 10.7854% | 3,261 |
| Core capital (leverage) ratio | 10.7448% | 2,736 |
| Tier 1 risk-based capital ratio | 16.1956% | 2,543 |
| Total risk-based capital ratio | 17.4597% | 2,492 |
| Memoranda: |
| Average total assets | $225,529,250 | 2,716 |
| Average earning assets | $200,335,000 | 2,799 |
| Average equity | $23,558,750 | 2,858 |
| Average total loans | $146,475,750 | 2,693 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2364% | 2,380 |
| Cost of funding earning assets | 0.1786% | 5,335 |
| Net interest margin | 4.0578% | 1,485 |
| Noninterest income to average assets | 1.6691% | 446 |
| Noninterest expense to average assets | 4.7790% | 306 |
| Loan and lease loss provision to assets | -0.1983% | 5,934 |
| Net operating income to assets | 0.5206% | 4,598 |
| Return on assets (ROA) | 0.5173% | 4,727 |
| Pretax return on assets | 0.6883% | 4,659 |
| Return on Equity (ROE) | 5.0049% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.6176% | 4,234 |
| Net charge-offs to loans | -0.3066% | 5,890 |
| Credit loss provision to net charge-offs | 99.5575% | 2,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6250% | 570 |
| Assets per employee ($millions) | 2.4117% | 5,828 |
| Cash dividends to net income (ytd only)* | 47.7002% | 2,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4561% | 381 |
| Loan loss allowance to noncurrent loans | 300.5848% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 3,206 |
| Noncurrent loans to loans | 0.8171% | 2,701 |
| Net loans and leases to total assets | 64.4023% | 3,307 |
| Net loans and leases to deposits | 74.0353% | 3,592 |
| Net loans and leases to core deposits | 77.3864% | 3,703 |
| Total domestic deposits to total assets | 86.9887% | 1,922 |
| Equity capital to assets | 10.6924% | 3,411 |
| Core capital (leverage) ratio | 10.4322% | 3,040 |
| Tier 1 risk-based capital ratio | 15.7351% | 2,768 |
| Total risk-based capital ratio | 16.9991% | 2,695 |
| Memoranda: |
| Average total assets | $226,951,330 | 2,711 |
| Average earning assets | $201,585,000 | 2,798 |
| Average equity | $23,457,000 | 2,877 |
| Average total loans | $147,435,000 | 2,682 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2019% | 2,465 |
| Cost of funding earning assets | 0.1846% | 5,331 |
| Net interest margin | 4.0174% | 1,563 |
| Noninterest income to average assets | 1.5025% | 502 |
| Noninterest expense to average assets | 4.7689% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2603% | 5,410 |
| Return on assets (ROA) | 0.2527% | 5,500 |
| Pretax return on assets | 0.2911% | 5,523 |
| Return on Equity (ROE) | 2.4868% | 5,381 |
| Retained earnings to average equity (ytd only) | 2.4868% | 4,262 |
| Net charge-offs to loans | 0.1677% | 1,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.7742% | 2,634 |
| Efficiency ratio | 94.0853% | 447 |
| Assets per employee ($millions) | 2.4671% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4239% | 427 |
| Loan loss allowance to noncurrent loans | 274.2436% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 3,189 |
| Noncurrent loans to loans | 0.8838% | 2,633 |
| Net loans and leases to total assets | 62.0231% | 3,524 |
| Net loans and leases to deposits | 70.8231% | 3,774 |
| Net loans and leases to core deposits | 74.1487% | 3,882 |
| Total domestic deposits to total assets | 87.5746% | 1,877 |
| Equity capital to assets | 10.2496% | 3,793 |
| Core capital (leverage) ratio | 10.3174% | 3,171 |
| Tier 1 risk-based capital ratio | 15.5373% | 2,895 |
| Total risk-based capital ratio | 16.8006% | 2,824 |
| Memoranda: |
| Average total assets | $229,488,500 | 2,697 |
| Average earning assets | $203,716,000 | 2,780 |
| Average equity | $23,323,500 | 2,891 |
| Average total loans | $147,906,500 | 2,681 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2354% | 2,439 |
| Cost of funding earning assets | 0.2142% | 5,146 |
| Net interest margin | 4.0212% | 1,650 |
| Noninterest income to average assets | 1.8427% | 401 |
| Noninterest expense to average assets | 5.5021% | 211 |
| Loan and lease loss provision to assets | -0.0109% | 5,632 |
| Net operating income to assets | -0.0458% | 5,897 |
| Return on assets (ROA) | -0.0505% | 5,923 |
| Pretax return on assets | -0.0910% | 5,926 |
| Return on Equity (ROE) | -0.4956% | 5,918 |
| Retained earnings to average equity (ytd only) | -0.4956% | 5,592 |
| Net charge-offs to loans | 0.1086% | 2,297 |
| Credit loss provision to net charge-offs | -15.3374% | 4,970 |
| Earnings coverage of net charge-offs (x) | -1.3313% | 4,343 |
| Efficiency ratio | 101.7477% | 249 |
| Assets per employee ($millions) | 2.3422% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3985% | 457 |
| Loan loss allowance to noncurrent loans | 209.1279% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 2,393 |
| Noncurrent loans to loans | 1.1469% | 2,051 |
| Net loans and leases to total assets | 63.7698% | 3,316 |
| Net loans and leases to deposits | 72.7292% | 3,646 |
| Net loans and leases to core deposits | 76.6356% | 3,699 |
| Total domestic deposits to total assets | 87.6812% | 1,802 |
| Equity capital to assets | 10.0769% | 3,879 |
| Core capital (leverage) ratio | 9.9080% | 3,630 |
| Tier 1 risk-based capital ratio | 14.8423% | 3,249 |
| Total risk-based capital ratio | 16.1047% | 3,183 |
| Memoranda: |
| Average total assets | $229,603,400 | 2,669 |
| Average earning assets | $203,546,600 | 2,745 |
| Average equity | $23,405,800 | 2,844 |
| Average total loans | $150,026,400 | 2,598 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2604% | 2,361 |
| Cost of funding earning assets | 0.2177% | 5,207 |
| Net interest margin | 4.0427% | 1,575 |
| Noninterest income to average assets | 1.9655% | 368 |
| Noninterest expense to average assets | 5.6846% | 198 |
| Loan and lease loss provision to assets | -0.0145% | 5,831 |
| Net operating income to assets | -0.0720% | 5,986 |
| Return on assets (ROA) | -0.0720% | 6,009 |
| Pretax return on assets | -0.1144% | 6,017 |
| Return on Equity (ROE) | -0.7043% | 6,009 |
| Retained earnings to average equity (ytd only) | -0.7043% | 5,718 |
| Net charge-offs to loans | 0.1706% | 1,458 |
| Credit loss provision to net charge-offs | -13.0208% | 4,864 |
| Earnings coverage of net charge-offs (x) | -1.1563% | 4,059 |
| Efficiency ratio | 102.3202% | 252 |
| Assets per employee ($millions) | 2.3722% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4490% | 468 |
| Loan loss allowance to noncurrent loans | 198.0022% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 2,570 |
| Noncurrent loans to loans | 1.2369% | 2,067 |
| Net loans and leases to total assets | 61.1357% | 3,716 |
| Net loans and leases to deposits | 70.3229% | 3,948 |
| Net loans and leases to core deposits | 74.1771% | 4,001 |
| Total domestic deposits to total assets | 86.9357% | 2,078 |
| Equity capital to assets | 9.9986% | 4,150 |
| Core capital (leverage) ratio | 10.1094% | 3,487 |
| Tier 1 risk-based capital ratio | 15.8565% | 2,867 |
| Total risk-based capital ratio | 17.1209% | 2,798 |
| Memoranda: |
| Average total assets | $229,620,500 | 2,685 |
| Average earning assets | $203,918,000 | 2,756 |
| Average equity | $23,474,750 | 2,860 |
| Average total loans | $150,040,250 | 2,608 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3502% | 2,011 |
| Cost of funding earning assets | 0.2236% | 5,213 |
| Net interest margin | 4.1266% | 1,286 |
| Noninterest income to average assets | 1.7746% | 437 |
| Noninterest expense to average assets | 4.5454% | 405 |
| Loan and lease loss provision to assets | -0.0219% | 5,977 |
| Net operating income to assets | 0.6026% | 4,334 |
| Return on assets (ROA) | 0.6026% | 4,437 |
| Pretax return on assets | 0.9157% | 3,897 |
| Return on Equity (ROE) | 5.8510% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.8510% | 2,326 |
| Net charge-offs to loans | 0.1505% | 1,584 |
| Credit loss provision to net charge-offs | -21.9298% | 4,734 |
| Earnings coverage of net charge-offs (x) | 8.9649% | 2,504 |
| Efficiency ratio | 83.5665% | 1,307 |
| Assets per employee ($millions) | 2.3494% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4772% | 499 |
| Loan loss allowance to noncurrent loans | 255.6802% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 2,993 |
| Noncurrent loans to loans | 0.9689% | 2,711 |
| Net loans and leases to total assets | 62.3428% | 3,505 |
| Net loans and leases to deposits | 71.5850% | 3,755 |
| Net loans and leases to core deposits | 75.1547% | 3,835 |
| Total domestic deposits to total assets | 87.0891% | 2,120 |
| Equity capital to assets | 10.3518% | 3,615 |
| Core capital (leverage) ratio | 10.4751% | 2,994 |
| Tier 1 risk-based capital ratio | 16.1313% | 2,790 |
| Total risk-based capital ratio | 17.3957% | 2,732 |
| Memoranda: |
| Average total assets | $228,669,670 | 2,712 |
| Average earning assets | $203,070,330 | 2,785 |
| Average equity | $23,551,670 | 2,859 |
| Average total loans | $151,489,670 | 2,597 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4616% | 1,581 |
| Cost of funding earning assets | 0.2302% | 5,212 |
| Net interest margin | 4.2314% | 1,008 |
| Noninterest income to average assets | 1.8272% | 410 |
| Noninterest expense to average assets | 4.5497% | 416 |
| Loan and lease loss provision to assets | -0.0439% | 6,144 |
| Net operating income to assets | 0.7039% | 3,781 |
| Return on assets (ROA) | 0.7039% | 3,907 |
| Pretax return on assets | 1.0970% | 3,093 |
| Return on Equity (ROE) | 6.8516% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.8516% | 2,076 |
| Net charge-offs to loans | 0.0286% | 2,608 |
| Credit loss provision to net charge-offs | -227.2727% | 4,643 |
| Earnings coverage of net charge-offs (x) | 54.5455% | 791 |
| Efficiency ratio | 81.2030% | 1,727 |
| Assets per employee ($millions) | 2.5611% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4716% | 555 |
| Loan loss allowance to noncurrent loans | 216.7052% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 2,684 |
| Noncurrent loans to loans | 1.1405% | 2,493 |
| Net loans and leases to total assets | 63.4758% | 3,168 |
| Net loans and leases to deposits | 72.7051% | 3,470 |
| Net loans and leases to core deposits | 76.2765% | 3,568 |
| Total domestic deposits to total assets | 87.3058% | 2,210 |
| Equity capital to assets | 10.2099% | 3,875 |
| Core capital (leverage) ratio | 10.5083% | 2,951 |
| Tier 1 risk-based capital ratio | 15.1496% | 3,353 |
| Total risk-based capital ratio | 16.4134% | 3,264 |
| Memoranda: |
| Average total assets | $227,884,500 | 2,738 |
| Average earning assets | $203,335,500 | 2,799 |
| Average equity | $23,410,500 | 2,892 |
| Average total loans | $153,642,500 | 2,570 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6391% | 1,446 |
| Cost of funding earning assets | 0.2618% | 5,200 |
| Net interest margin | 4.3774% | 918 |
| Noninterest income to average assets | 1.7531% | 417 |
| Noninterest expense to average assets | 4.5701% | 435 |
| Loan and lease loss provision to assets | -0.0223% | 5,945 |
| Net operating income to assets | 1.1812% | 1,642 |
| Return on assets (ROA) | 1.1794% | 1,716 |
| Pretax return on assets | 1.1794% | 2,734 |
| Return on Equity (ROE) | 11.9017% | 1,443 |
| Retained earnings to average equity (ytd only) | 2.8989% | 4,178 |
| Net charge-offs to loans | -0.2353% | 6,287 |
| Credit loss provision to net charge-offs | 13.7363% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7711% | 1,969 |
| Assets per employee ($millions) | 2.5599% | 6,130 |
| Cash dividends to net income (ytd only)* | 75.6430% | 1,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4325% | 603 |
| Loan loss allowance to noncurrent loans | 288.2711% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 3,337 |
| Noncurrent loans to loans | 0.8438% | 3,205 |
| Net loans and leases to total assets | 68.1671% | 2,534 |
| Net loans and leases to deposits | 78.2322% | 2,950 |
| Net loans and leases to core deposits | 82.2698% | 3,073 |
| Total domestic deposits to total assets | 87.1344% | 2,206 |
| Equity capital to assets | 10.3390% | 3,678 |
| Core capital (leverage) ratio | 10.2406% | 3,259 |
| Tier 1 risk-based capital ratio | 15.2798% | 3,326 |
| Total risk-based capital ratio | 16.5444% | 3,269 |
| Memoranda: |
| Average total assets | $224,174,600 | 2,742 |
| Average earning assets | $203,616,200 | 2,764 |
| Average equity | $22,215,400 | 2,927 |
| Average total loans | $154,691,000 | 2,502 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6882% | 1,337 |
| Cost of funding earning assets | 0.2679% | 5,227 |
| Net interest margin | 4.4203% | 862 |
| Noninterest income to average assets | 1.8348% | 397 |
| Noninterest expense to average assets | 4.5425% | 442 |
| Loan and lease loss provision to assets | 0.0297% | 3,813 |
| Net operating income to assets | 1.2796% | 1,436 |
| Return on assets (ROA) | 1.2796% | 1,489 |
| Pretax return on assets | 1.2796% | 2,459 |
| Return on Equity (ROE) | 13.0527% | 1,210 |
| Retained earnings to average equity (ytd only) | 0.9388% | 5,506 |
| Net charge-offs to loans | -0.3496% | 6,413 |
| Credit loss provision to net charge-offs | -12.3457% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6256% | 2,246 |
| Assets per employee ($millions) | 2.4787% | 6,238 |
| Cash dividends to net income (ytd only)* | 92.8075% | 465 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6012% | 571 |
| Loan loss allowance to noncurrent loans | 549.0909% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 4,535 |
| Noncurrent loans to loans | 0.4737% | 4,482 |
| Net loans and leases to total assets | 65.8991% | 2,885 |
| Net loans and leases to deposits | 75.3805% | 3,260 |
| Net loans and leases to core deposits | 79.9073% | 3,321 |
| Total domestic deposits to total assets | 87.4219% | 2,081 |
| Equity capital to assets | 9.9745% | 4,190 |
| Core capital (leverage) ratio | 10.3487% | 3,215 |
| Tier 1 risk-based capital ratio | 15.5546% | 3,281 |
| Total risk-based capital ratio | 16.8221% | 3,213 |
| Memoranda: |
| Average total assets | $224,540,750 | 2,764 |
| Average earning assets | $204,052,000 | 2,786 |
| Average equity | $22,012,750 | 2,951 |
| Average total loans | $154,463,750 | 2,508 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6834% | 1,319 |
| Cost of funding earning assets | 0.2725% | 5,262 |
| Net interest margin | 4.4109% | 829 |
| Noninterest income to average assets | 2.0015% | 341 |
| Noninterest expense to average assets | 4.5105% | 446 |
| Loan and lease loss provision to assets | 0.0444% | 3,430 |
| Net operating income to assets | 1.4603% | 948 |
| Return on assets (ROA) | 1.4603% | 990 |
| Pretax return on assets | 1.4603% | 1,673 |
| Return on Equity (ROE) | 14.9818% | 795 |
| Retained earnings to average equity (ytd only) | 14.9818% | 215 |
| Net charge-offs to loans | -0.2274% | 6,368 |
| Credit loss provision to net charge-offs | -28.2486% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9852% | 2,809 |
| Assets per employee ($millions) | 2.3921% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3806% | 828 |
| Loan loss allowance to noncurrent loans | 790.1709% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 4,919 |
| Noncurrent loans to loans | 0.3013% | 5,113 |
| Net loans and leases to total assets | 67.4389% | 2,509 |
| Net loans and leases to deposits | 77.6445% | 2,846 |
| Net loans and leases to core deposits | 82.1696% | 2,955 |
| Total domestic deposits to total assets | 86.8559% | 2,544 |
| Equity capital to assets | 10.3565% | 3,611 |
| Core capital (leverage) ratio | 10.9731% | 2,453 |
| Tier 1 risk-based capital ratio | 15.3373% | 3,450 |
| Total risk-based capital ratio | 16.6007% | 3,392 |
| Memoranda: |
| Average total assets | $225,028,000 | 2,767 |
| Average earning assets | $204,766,670 | 2,785 |
| Average equity | $21,933,330 | 2,953 |
| Average total loans | $155,640,670 | 2,499 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7304% | 1,194 |
| Cost of funding earning assets | 0.2763% | 5,323 |
| Net interest margin | 4.4541% | 720 |
| Noninterest income to average assets | 2.5427% | 235 |
| Noninterest expense to average assets | 4.5275% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0825% | 290 |
| Return on assets (ROA) | 2.0825% | 301 |
| Pretax return on assets | 2.0825% | 442 |
| Return on Equity (ROE) | 22.0544% | 196 |
| Retained earnings to average equity (ytd only) | 22.0544% | 84 |
| Net charge-offs to loans | -0.1669% | 6,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4946% | 4,091 |
| Assets per employee ($millions) | 2.4966% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2975% | 1,033 |
| Loan loss allowance to noncurrent loans | 660.9346% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 5,223 |
| Noncurrent loans to loans | 0.3476% | 5,073 |
| Net loans and leases to total assets | 66.1879% | 2,537 |
| Net loans and leases to deposits | 75.6675% | 2,846 |
| Net loans and leases to core deposits | 79.8885% | 2,986 |
| Total domestic deposits to total assets | 87.4720% | 2,527 |
| Equity capital to assets | 9.7765% | 4,134 |
| Core capital (leverage) ratio | 10.7184% | 2,682 |
| Tier 1 risk-based capital ratio | 15.2232% | 3,599 |
| Total risk-based capital ratio | 16.4855% | 3,543 |
| Memoranda: |
| Average total assets | $225,115,000 | 2,777 |
| Average earning assets | $205,562,000 | 2,791 |
| Average equity | $21,256,500 | 3,021 |
| Average total loans | $155,792,500 | 2,511 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6387% | 1,746 |
| Cost of funding earning assets | 0.3272% | 5,352 |
| Net interest margin | 4.3114% | 1,079 |
| Noninterest income to average assets | 1.5620% | 588 |
| Noninterest expense to average assets | 5.0620% | 338 |
| Loan and lease loss provision to assets | -0.0438% | 6,363 |
| Net operating income to assets | 0.4242% | 5,060 |
| Return on assets (ROA) | 0.4444% | 5,103 |
| Pretax return on assets | 0.4444% | 5,377 |
| Return on Equity (ROE) | 4.8365% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.8365% | 2,710 |
| Net charge-offs to loans | 0.2090% | 2,787 |
| Credit loss provision to net charge-offs | -32.4675% | 5,751 |
| Earnings coverage of net charge-offs (x) | 2.8182% | 4,066 |
| Efficiency ratio | 93.0101% | 805 |
| Assets per employee ($millions) | 2.4244% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2013% | 1,175 |
| Loan loss allowance to noncurrent loans | 814.7887% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 5,204 |
| Noncurrent loans to loans | 0.2702% | 5,368 |
| Net loans and leases to total assets | 69.1381% | 2,151 |
| Net loans and leases to deposits | 78.6069% | 2,649 |
| Net loans and leases to core deposits | 83.0503% | 2,768 |
| Total domestic deposits to total assets | 87.9543% | 2,201 |
| Equity capital to assets | 9.1023% | 4,920 |
| Core capital (leverage) ratio | 10.1739% | 3,334 |
| Tier 1 risk-based capital ratio | 14.8234% | 3,766 |
| Total risk-based capital ratio | 16.0857% | 3,709 |
| Memoranda: |
| Average total assets | $228,170,400 | 2,736 |
| Average earning assets | $205,361,000 | 2,776 |
| Average equity | $20,965,600 | 3,045 |
| Average total loans | $147,396,400 | 2,593 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5954% | 1,921 |
| Cost of funding earning assets | 0.3389% | 5,393 |
| Net interest margin | 4.2565% | 1,194 |
| Noninterest income to average assets | 1.3429% | 813 |
| Noninterest expense to average assets | 4.9212% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2313% | 5,832 |
| Return on assets (ROA) | 0.2580% | 5,859 |
| Pretax return on assets | 0.2580% | 5,956 |
| Return on Equity (ROE) | 2.8015% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.8015% | 4,646 |
| Net charge-offs to loans | 0.2200% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.6653% | 4,287 |
| Efficiency ratio | 95.5114% | 649 |
| Assets per employee ($millions) | 2.4362% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4492% | 990 |
| Loan loss allowance to noncurrent loans | 823.5294% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 4,130 |
| Noncurrent loans to loans | 0.2974% | 5,487 |
| Net loans and leases to total assets | 64.6856% | 2,882 |
| Net loans and leases to deposits | 73.5948% | 3,298 |
| Net loans and leases to core deposits | 77.7996% | 3,385 |
| Total domestic deposits to total assets | 87.8944% | 2,196 |
| Equity capital to assets | 9.0520% | 5,122 |
| Core capital (leverage) ratio | 9.9965% | 3,685 |
| Tier 1 risk-based capital ratio | 14.9806% | 3,763 |
| Total risk-based capital ratio | 16.2446% | 3,706 |
| Memoranda: |
| Average total assets | $229,452,500 | 2,740 |
| Average earning assets | $205,358,250 | 2,803 |
| Average equity | $21,131,500 | 3,059 |
| Average total loans | $144,826,000 | 2,649 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4686% | 2,315 |
| Cost of funding earning assets | 0.3559% | 5,346 |
| Net interest margin | 4.1127% | 1,507 |
| Noninterest income to average assets | 1.3623% | 843 |
| Noninterest expense to average assets | 4.9345% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0960% | 6,139 |
| Return on assets (ROA) | 0.1358% | 6,156 |
| Pretax return on assets | 0.1358% | 6,181 |
| Return on Equity (ROE) | 1.4664% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.4664% | 5,288 |
| Net charge-offs to loans | 0.2675% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.5781% | 4,342 |
| Efficiency ratio | 98.0915% | 562 |
| Assets per employee ($millions) | 2.4265% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5354% | 952 |
| Loan loss allowance to noncurrent loans | 112.2374% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 2.6765% | 1,560 |
| Noncurrent loans to loans | 2.2590% | 2,106 |
| Net loans and leases to total assets | 62.8061% | 3,138 |
| Net loans and leases to deposits | 72.9925% | 3,306 |
| Net loans and leases to core deposits | 77.1203% | 3,412 |
| Total domestic deposits to total assets | 86.0446% | 3,342 |
| Equity capital to assets | 8.9454% | 5,273 |
| Core capital (leverage) ratio | 9.6430% | 4,018 |
| Tier 1 risk-based capital ratio | 14.0842% | 4,365 |
| Total risk-based capital ratio | 15.3482% | 4,317 |
| Memoranda: |
| Average total assets | $231,227,670 | 2,728 |
| Average earning assets | $206,237,000 | 2,795 |
| Average equity | $21,412,670 | 3,045 |
| Average total loans | $143,562,000 | 2,663 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4559% | 2,330 |
| Cost of funding earning assets | 0.3716% | 5,351 |
| Net interest margin | 4.0842% | 1,504 |
| Noninterest income to average assets | 1.5247% | 663 |
| Noninterest expense to average assets | 4.7195% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4308% | 5,001 |
| Return on assets (ROA) | 0.4308% | 5,159 |
| Pretax return on assets | 0.4308% | 5,467 |
| Return on Equity (ROE) | 4.5765% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.5765% | 3,491 |
| Net charge-offs to loans | 0.1486% | 2,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.7547% | 2,480 |
| Efficiency ratio | 91.6362% | 1,012 |
| Assets per employee ($millions) | 2.3176% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6351% | 979 |
| Loan loss allowance to noncurrent loans | 588.4615% | 749 |
| Noncurrent assets plus other real estate owned to assets | 1.9641% | 2,389 |
| Noncurrent loans to loans | 0.4478% | 5,301 |
| Net loans and leases to total assets | 60.9808% | 3,251 |
| Net loans and leases to deposits | 71.2965% | 3,285 |
| Net loans and leases to core deposits | 75.2405% | 3,429 |
| Total domestic deposits to total assets | 85.5313% | 3,783 |
| Equity capital to assets | 9.5382% | 4,797 |
| Core capital (leverage) ratio | 9.5401% | 4,013 |
| Tier 1 risk-based capital ratio | 14.6823% | 4,049 |
| Total risk-based capital ratio | 15.9484% | 4,008 |
| Memoranda: |
| Average total assets | $234,007,000 | 2,737 |
| Average earning assets | $207,726,500 | 2,809 |
| Average equity | $22,025,500 | 3,023 |
| Average total loans | $142,632,500 | 2,684 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9364% | 1,727 |
| Cost of funding earning assets | 0.5730% | 4,609 |
| Net interest margin | 4.3634% | 1,245 |
| Noninterest income to average assets | 1.2600% | 987 |
| Noninterest expense to average assets | 4.9287% | 394 |
| Loan and lease loss provision to assets | -0.1706% | 6,967 |
| Net operating income to assets | 0.3467% | 5,308 |
| Return on assets (ROA) | 0.3488% | 5,521 |
| Pretax return on assets | 0.3488% | 5,721 |
| Return on Equity (ROE) | 3.7785% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.7785% | 3,554 |
| Net charge-offs to loans | 0.3030% | 3,129 |
| Credit loss provision to net charge-offs | -89.4855% | 6,322 |
| Earnings coverage of net charge-offs (x) | 0.9239% | 5,006 |
| Efficiency ratio | 96.5503% | 686 |
| Assets per employee ($millions) | 2.2937% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7686% | 853 |
| Loan loss allowance to noncurrent loans | 813.2075% | 544 |
| Noncurrent assets plus other real estate owned to assets | 1.8535% | 2,635 |
| Noncurrent loans to loans | 0.3404% | 5,633 |
| Net loans and leases to total assets | 57.6632% | 4,033 |
| Net loans and leases to deposits | 67.1266% | 4,116 |
| Net loans and leases to core deposits | 71.0864% | 4,157 |
| Total domestic deposits to total assets | 85.9023% | 3,400 |
| Equity capital to assets | 9.2888% | 5,170 |
| Core capital (leverage) ratio | 9.5882% | 3,983 |
| Tier 1 risk-based capital ratio | 14.1269% | 4,295 |
| Total risk-based capital ratio | 15.3925% | 4,237 |
| Memoranda: |
| Average total assets | $234,524,200 | 2,684 |
| Average earning assets | $206,648,600 | 2,784 |
| Average equity | $21,649,000 | 3,017 |
| Average total loans | $147,512,800 | 2,611 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1087% | 1,408 |
| Cost of funding earning assets | 0.6126% | 4,517 |
| Net interest margin | 4.4961% | 997 |
| Noninterest income to average assets | 1.1454% | 1,159 |
| Noninterest expense to average assets | 4.8219% | 416 |
| Loan and lease loss provision to assets | -0.2278% | 7,100 |
| Net operating income to assets | 0.5058% | 4,823 |
| Return on assets (ROA) | 0.5086% | 5,075 |
| Pretax return on assets | 0.5086% | 5,443 |
| Return on Equity (ROE) | 5.5186% | 4,588 |
| Retained earnings to average equity (ytd only) | 5.5186% | 3,023 |
| Net charge-offs to loans | 0.2562% | 3,189 |
| Credit loss provision to net charge-offs | -139.3728% | 6,282 |
| Earnings coverage of net charge-offs (x) | 1.7003% | 4,420 |
| Efficiency ratio | 94.5499% | 743 |
| Assets per employee ($millions) | 2.2629% | 6,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9956% | 714 |
| Loan loss allowance to noncurrent loans | 1,628.6290% | 298 |
| Noncurrent assets plus other real estate owned to assets | 1.7629% | 2,963 |
| Noncurrent loans to loans | 0.1839% | 6,148 |
| Net loans and leases to total assets | 56.6663% | 4,352 |
| Net loans and leases to deposits | 66.4766% | 4,415 |
| Net loans and leases to core deposits | 69.0334% | 4,606 |
| Total domestic deposits to total assets | 85.2425% | 3,644 |
| Equity capital to assets | 9.5910% | 5,081 |
| Core capital (leverage) ratio | 9.5892% | 4,132 |
| Tier 1 risk-based capital ratio | 14.9272% | 3,900 |
| Total risk-based capital ratio | 16.1960% | 3,841 |
| Memoranda: |
| Average total assets | $234,092,500 | 2,710 |
| Average earning assets | $205,891,750 | 2,809 |
| Average equity | $21,575,000 | 3,049 |
| Average total loans | $149,363,750 | 2,614 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2521% | 1,141 |
| Cost of funding earning assets | 0.6410% | 4,520 |
| Net interest margin | 4.6110% | 805 |
| Noninterest income to average assets | 1.1888% | 1,003 |
| Noninterest expense to average assets | 4.7741% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4703% | 4,952 |
| Return on assets (ROA) | 0.4745% | 5,182 |
| Pretax return on assets | 0.4745% | 5,506 |
| Return on Equity (ROE) | 5.2180% | 4,695 |
| Retained earnings to average equity (ytd only) | 5.2180% | 3,146 |
| Net charge-offs to loans | 0.1115% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.4302% | 2,641 |
| Efficiency ratio | 91.0329% | 991 |
| Assets per employee ($millions) | 2.3120% | 6,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1498% | 676 |
| Loan loss allowance to noncurrent loans | 18,560.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 2.1099% | 2,652 |
| Noncurrent loans to loans | 0.0170% | 6,647 |
| Net loans and leases to total assets | 61.0967% | 3,610 |
| Net loans and leases to deposits | 71.3571% | 3,710 |
| Net loans and leases to core deposits | 74.1470% | 4,015 |
| Total domestic deposits to total assets | 85.6211% | 3,555 |
| Equity capital to assets | 9.2881% | 5,339 |
| Core capital (leverage) ratio | 9.3007% | 4,455 |
| Tier 1 risk-based capital ratio | 13.6616% | 4,701 |
| Total risk-based capital ratio | 14.9324% | 4,656 |
| Memoranda: |
| Average total assets | $235,186,330 | 2,709 |
| Average earning assets | $206,851,670 | 2,801 |
| Average equity | $21,387,670 | 3,062 |
| Average total loans | $154,208,000 | 2,544 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3444% | 1,018 |
| Cost of funding earning assets | 0.6556% | 4,675 |
| Net interest margin | 4.6889% | 698 |
| Noninterest income to average assets | 1.4490% | 687 |
| Noninterest expense to average assets | 4.6996% | 461 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8830% | 3,003 |
| Return on assets (ROA) | 0.8813% | 3,231 |
| Pretax return on assets | 0.8813% | 4,102 |
| Return on Equity (ROE) | 9.7942% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.7942% | 1,322 |
| Net charge-offs to loans | -0.0989% | 6,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1834% | 1,669 |
| Assets per employee ($millions) | 2.3514% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0944% | 765 |
| Loan loss allowance to noncurrent loans | 2,443.5897% | 195 |
| Noncurrent assets plus other real estate owned to assets | 2.2699% | 2,626 |
| Noncurrent loans to loans | 0.1266% | 6,432 |
| Net loans and leases to total assets | 62.8310% | 3,084 |
| Net loans and leases to deposits | 74.0437% | 3,120 |
| Net loans and leases to core deposits | 77.0256% | 3,467 |
| Total domestic deposits to total assets | 84.8566% | 4,103 |
| Equity capital to assets | 9.0111% | 5,480 |
| Core capital (leverage) ratio | 9.1350% | 4,630 |
| Tier 1 risk-based capital ratio | 12.8899% | 5,290 |
| Total risk-based capital ratio | 14.1598% | 5,250 |
| Memoranda: |
| Average total assets | $236,022,000 | 2,711 |
| Average earning assets | $208,066,500 | 2,798 |
| Average equity | $21,237,000 | 3,083 |
| Average total loans | $157,657,000 | 2,517 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8691% | 559 |
| Cost of funding earning assets | 0.8061% | 4,823 |
| Net interest margin | 5.0630% | 357 |
| Noninterest income to average assets | 1.1287% | 1,027 |
| Noninterest expense to average assets | 5.2015% | 329 |
| Loan and lease loss provision to assets | 2.2986% | 217 |
| Net operating income to assets | -1.8667% | 7,004 |
| Return on assets (ROA) | -1.8675% | 7,019 |
| Pretax return on assets | -1.8675% | 6,995 |
| Return on Equity (ROE) | -23.5676% | 7,032 |
| Retained earnings to average equity (ytd only) | -23.5676% | 7,020 |
| Net charge-offs to loans | 3.2865% | 255 |
| Credit loss provision to net charge-offs | 94.4262% | 3,818 |
| Earnings coverage of net charge-offs (x) | 0.1774% | 5,701 |
| Efficiency ratio | 92.3339% | 1,026 |
| Assets per employee ($millions) | 2.2772% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9294% | 874 |
| Loan loss allowance to noncurrent loans | 2,796.4497% | 173 |
| Noncurrent assets plus other real estate owned to assets | 2.3245% | 2,600 |
| Noncurrent loans to loans | 0.1048% | 6,549 |
| Net loans and leases to total assets | 66.7676% | 2,629 |
| Net loans and leases to deposits | 78.6992% | 2,730 |
| Net loans and leases to core deposits | 81.8902% | 3,192 |
| Total domestic deposits to total assets | 84.8389% | 3,933 |
| Equity capital to assets | 8.9845% | 5,568 |
| Core capital (leverage) ratio | 8.8517% | 5,018 |
| Tier 1 risk-based capital ratio | 12.6680% | 5,326 |
| Total risk-based capital ratio | 13.9379% | 5,294 |
| Memoranda: |
| Average total assets | $249,850,400 | 2,526 |
| Average earning assets | $222,299,400 | 2,585 |
| Average equity | $19,798,400 | 3,181 |
| Average total loans | $185,058,600 | 2,176 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9225% | 538 |
| Cost of funding earning assets | 0.8280% | 4,961 |
| Net interest margin | 5.0945% | 345 |
| Noninterest income to average assets | 1.1195% | 1,060 |
| Noninterest expense to average assets | 4.9858% | 379 |
| Loan and lease loss provision to assets | 2.8766% | 120 |
| Net operating income to assets | -2.1959% | 7,172 |
| Return on assets (ROA) | -2.1970% | 7,179 |
| Pretax return on assets | -2.1970% | 7,161 |
| Return on Equity (ROE) | -28.6102% | 7,188 |
| Retained earnings to average equity (ytd only) | -28.6102% | 7,179 |
| Net charge-offs to loans | 4.0217% | 163 |
| Credit loss provision to net charge-offs | 95.0009% | 3,604 |
| Earnings coverage of net charge-offs (x) | 0.2248% | 5,428 |
| Efficiency ratio | 87.9881% | 1,344 |
| Assets per employee ($millions) | 2.2129% | 7,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8214% | 1,014 |
| Loan loss allowance to noncurrent loans | 970.9350% | 372 |
| Noncurrent assets plus other real estate owned to assets | 2.5336% | 2,540 |
| Noncurrent loans to loans | 0.2906% | 6,267 |
| Net loans and leases to total assets | 69.4884% | 2,182 |
| Net loans and leases to deposits | 83.2093% | 2,142 |
| Net loans and leases to core deposits | 86.2324% | 2,746 |
| Total domestic deposits to total assets | 83.5104% | 4,472 |
| Equity capital to assets | 7.6400% | 6,874 |
| Core capital (leverage) ratio | 7.5143% | 6,759 |
| Tier 1 risk-based capital ratio | 10.4077% | 6,816 |
| Total risk-based capital ratio | 11.6761% | 6,789 |
| Memoranda: |
| Average total assets | $253,676,000 | 2,494 |
| Average earning assets | $226,406,500 | 2,550 |
| Average equity | $19,479,750 | 3,221 |
| Average total loans | $190,991,250 | 2,145 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7926% | 727 |
| Cost of funding earning assets | 0.8589% | 4,992 |
| Net interest margin | 4.9338% | 450 |
| Noninterest income to average assets | 0.9626% | 1,423 |
| Noninterest expense to average assets | 4.9308% | 394 |
| Loan and lease loss provision to assets | 3.5965% | 99 |
| Net operating income to assets | -3.1430% | 7,318 |
| Return on assets (ROA) | -3.1445% | 7,327 |
| Pretax return on assets | -3.1445% | 7,321 |
| Return on Equity (ROE) | -40.8865% | 7,311 |
| Retained earnings to average equity (ytd only) | -40.8865% | 7,306 |
| Net charge-offs to loans | 4.1873% | 184 |
| Credit loss provision to net charge-offs | 112.3614% | 2,731 |
| Earnings coverage of net charge-offs (x) | 0.1417% | 5,196 |
| Efficiency ratio | 91.5771% | 1,125 |
| Assets per employee ($millions) | 2.2540% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9953% | 902 |
| Loan loss allowance to noncurrent loans | 67.9333% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 4.5610% | 1,376 |
| Noncurrent loans to loans | 4.4092% | 1,523 |
| Net loans and leases to total assets | 73.5260% | 1,500 |
| Net loans and leases to deposits | 88.3052% | 1,457 |
| Net loans and leases to core deposits | 92.6556% | 2,059 |
| Total domestic deposits to total assets | 83.2635% | 4,650 |
| Equity capital to assets | 7.4110% | 6,987 |
| Core capital (leverage) ratio | 6.9989% | 6,997 |
| Tier 1 risk-based capital ratio | 10.0314% | 6,961 |
| Total risk-based capital ratio | 11.3039% | 6,952 |
| Memoranda: |
| Average total assets | $259,308,330 | 2,463 |
| Average earning assets | $232,398,330 | 2,506 |
| Average equity | $19,943,000 | 3,134 |
| Average total loans | $198,218,000 | 2,103 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7568% | 794 |
| Cost of funding earning assets | 0.8876% | 5,014 |
| Net interest margin | 4.8692% | 496 |
| Noninterest income to average assets | 1.1018% | 1,081 |
| Noninterest expense to average assets | 4.7107% | 474 |
| Loan and lease loss provision to assets | 4.6040% | 74 |
| Net operating income to assets | -3.8509% | 7,443 |
| Return on assets (ROA) | -3.8509% | 7,446 |
| Pretax return on assets | -3.8509% | 7,431 |
| Return on Equity (ROE) | -49.2444% | 7,411 |
| Retained earnings to average equity (ytd only) | -49.2444% | 7,397 |
| Net charge-offs to loans | 3.0889% | 343 |
| Credit loss provision to net charge-offs | 194.2295% | 1,524 |
| Earnings coverage of net charge-offs (x) | 0.3177% | 4,376 |
| Efficiency ratio | 86.2173% | 1,691 |
| Assets per employee ($millions) | 2.2477% | 7,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2825% | 723 |
| Loan loss allowance to noncurrent loans | 70.3576% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 4.9251% | 1,282 |
| Noncurrent loans to loans | 4.6654% | 1,489 |
| Net loans and leases to total assets | 73.3992% | 1,437 |
| Net loans and leases to deposits | 89.6135% | 1,277 |
| Net loans and leases to core deposits | 94.9416% | 1,777 |
| Total domestic deposits to total assets | 81.9064% | 5,346 |
| Equity capital to assets | 7.4311% | 6,902 |
| Core capital (leverage) ratio | 7.4063% | 6,786 |
| Tier 1 risk-based capital ratio | 9.9617% | 7,018 |
| Total risk-based capital ratio | 11.2370% | 7,006 |
| Memoranda: |
| Average total assets | $266,117,500 | 2,419 |
| Average earning assets | $238,395,500 | 2,460 |
| Average equity | $20,810,500 | 3,007 |
| Average total loans | $204,215,000 | 2,064 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1264% | 662 |
| Cost of funding earning assets | 1.1195% | 5,025 |
| Net interest margin | 5.0069% | 425 |
| Noninterest income to average assets | 1.6047% | 563 |
| Noninterest expense to average assets | 4.2611% | 848 |
| Loan and lease loss provision to assets | 1.5639% | 934 |
| Net operating income to assets | 0.2905% | 4,966 |
| Return on assets (ROA) | 0.2901% | 5,129 |
| Pretax return on assets | 0.2901% | 5,258 |
| Return on Equity (ROE) | 3.8235% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.6379% | 4,700 |
| Net charge-offs to loans | 0.5494% | 3,413 |
| Credit loss provision to net charge-offs | 374.4227% | 677 |
| Earnings coverage of net charge-offs (x) | 4.4396% | 2,921 |
| Efficiency ratio | 69.6773% | 4,245 |
| Assets per employee ($millions) | 2.3014% | 7,221 |
| Cash dividends to net income (ytd only)* | 57.1611% | 1,743 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4251% | 1,515 |
| Loan loss allowance to noncurrent loans | 51.3535% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 4.7248% | 1,390 |
| Noncurrent loans to loans | 4.7224% | 1,471 |
| Net loans and leases to total assets | 75.6861% | 1,337 |
| Net loans and leases to deposits | 93.0502% | 1,139 |
| Net loans and leases to core deposits | 99.9372% | 1,622 |
| Total domestic deposits to total assets | 81.3391% | 5,407 |
| Equity capital to assets | 8.1999% | 6,262 |
| Core capital (leverage) ratio | 8.0901% | 6,037 |
| Tier 1 risk-based capital ratio | 10.6339% | 6,618 |
| Total risk-based capital ratio | 11.8986% | 6,568 |
| Memoranda: |
| Average total assets | $269,575,400 | 2,361 |
| Average earning assets | $242,867,200 | 2,404 |
| Average equity | $20,452,400 | 3,085 |
| Average total loans | $204,965,000 | 2,112 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1941% | 623 |
| Cost of funding earning assets | 1.1460% | 5,172 |
| Net interest margin | 5.0481% | 389 |
| Noninterest income to average assets | 1.6292% | 528 |
| Noninterest expense to average assets | 4.1716% | 860 |
| Loan and lease loss provision to assets | 2.0846% | 557 |
| Net operating income to assets | -0.0682% | 6,140 |
| Return on assets (ROA) | -0.0687% | 6,239 |
| Pretax return on assets | -0.0687% | 6,183 |
| Return on Equity (ROE) | -0.9245% | 6,272 |
| Retained earnings to average equity (ytd only) | -3.8976% | 6,450 |
| Net charge-offs to loans | 1.6654% | 1,184 |
| Credit loss provision to net charge-offs | 165.4631% | 2,264 |
| Earnings coverage of net charge-offs (x) | 1.6005% | 4,517 |
| Efficiency ratio | 67.4151% | 4,580 |
| Assets per employee ($millions) | 2.3702% | 7,235 |
| Cash dividends to net income (ytd only)* | -321.5831% | 7,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7319% | 3,052 |
| Loan loss allowance to noncurrent loans | 94.4027% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.5021% | 4,203 |
| Noncurrent loans to loans | 1.8346% | 3,888 |
| Net loans and leases to total assets | 75.1812% | 1,553 |
| Net loans and leases to deposits | 93.9269% | 1,207 |
| Net loans and leases to core deposits | 101.7895% | 1,674 |
| Total domestic deposits to total assets | 80.0423% | 5,694 |
| Equity capital to assets | 6.9189% | 7,364 |
| Core capital (leverage) ratio | 6.6164% | 7,305 |
| Tier 1 risk-based capital ratio | 9.0506% | 7,352 |
| Total risk-based capital ratio | 10.3070% | 7,368 |
| Memoranda: |
| Average total assets | $269,654,750 | 2,397 |
| Average earning assets | $243,516,250 | 2,430 |
| Average equity | $20,045,750 | 3,189 |
| Average total loans | $203,992,250 | 2,152 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1430% | 693 |
| Cost of funding earning assets | 1.1840% | 5,214 |
| Net interest margin | 4.9590% | 460 |
| Noninterest income to average assets | 1.6350% | 482 |
| Noninterest expense to average assets | 4.1666% | 848 |
| Loan and lease loss provision to assets | 0.3576% | 3,571 |
| Net operating income to assets | 1.5760% | 774 |
| Return on assets (ROA) | 1.5760% | 826 |
| Pretax return on assets | 1.5760% | 1,371 |
| Return on Equity (ROE) | 20.7096% | 274 |
| Retained earnings to average equity (ytd only) | 18.2178% | 124 |
| Net charge-offs to loans | 0.2407% | 4,158 |
| Credit loss provision to net charge-offs | 197.1193% | 2,003 |
| Earnings coverage of net charge-offs (x) | 10.6584% | 1,862 |
| Efficiency ratio | 68.3025% | 4,519 |
| Assets per employee ($millions) | 2.3115% | 7,337 |
| Cash dividends to net income (ytd only)* | 12.0322% | 3,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0655% | 6,103 |
| Loan loss allowance to noncurrent loans | 48.7004% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 2.0791% | 3,407 |
| Noncurrent loans to loans | 2.1878% | 3,493 |
| Net loans and leases to total assets | 74.0151% | 1,907 |
| Net loans and leases to deposits | 95.5755% | 1,086 |
| Net loans and leases to core deposits | 103.2961% | 1,705 |
| Total domestic deposits to total assets | 77.4415% | 6,407 |
| Equity capital to assets | 7.7263% | 6,980 |
| Core capital (leverage) ratio | 7.7899% | 6,513 |
| Tier 1 risk-based capital ratio | 10.1712% | 6,929 |
| Total risk-based capital ratio | 11.2301% | 7,015 |
| Memoranda: |
| Average total assets | $267,892,670 | 2,438 |
| Average earning assets | $241,216,670 | 2,469 |
| Average equity | $20,386,670 | 3,127 |
| Average total loans | $201,874,000 | 2,198 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1974% | 646 |
| Cost of funding earning assets | 1.2107% | 5,341 |
| Net interest margin | 4.9867% | 429 |
| Noninterest income to average assets | 1.6264% | 473 |
| Noninterest expense to average assets | 4.1634% | 845 |
| Loan and lease loss provision to assets | 0.2842% | 3,755 |
| Net operating income to assets | 1.6614% | 668 |
| Return on assets (ROA) | 1.6614% | 717 |
| Pretax return on assets | 1.6614% | 1,137 |
| Return on Equity (ROE) | 22.0091% | 269 |
| Retained earnings to average equity (ytd only) | 22.0091% | 149 |
| Net charge-offs to loans | 0.2472% | 3,461 |
| Credit loss provision to net charge-offs | 152.0325% | 2,350 |
| Earnings coverage of net charge-offs (x) | 10.4065% | 1,745 |
| Efficiency ratio | 68.1513% | 4,694 |
| Assets per employee ($millions) | 2.2924% | 7,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0207% | 6,357 |
| Loan loss allowance to noncurrent loans | 104.7790% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 4,808 |
| Noncurrent loans to loans | 0.9741% | 5,380 |
| Net loans and leases to total assets | 73.7205% | 2,031 |
| Net loans and leases to deposits | 95.5793% | 1,160 |
| Net loans and leases to core deposits | 101.1573% | 2,013 |
| Total domestic deposits to total assets | 77.1301% | 6,529 |
| Equity capital to assets | 7.6075% | 6,988 |
| Core capital (leverage) ratio | 7.7878% | 6,522 |
| Tier 1 risk-based capital ratio | 10.1588% | 6,924 |
| Total risk-based capital ratio | 11.1705% | 7,069 |
| Memoranda: |
| Average total assets | $263,151,000 | 2,537 |
| Average earning assets | $236,551,000 | 2,568 |
| Average equity | $19,864,500 | 3,216 |
| Average total loans | $199,055,500 | 2,284 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3229% | 980 |
| Cost of funding earning assets | 1.4250% | 5,826 |
| Net interest margin | 4.8979% | 560 |
| Noninterest income to average assets | 1.6216% | 549 |
| Noninterest expense to average assets | 4.5849% | 729 |
| Loan and lease loss provision to assets | 0.9583% | 2,362 |
| Net operating income to assets | 0.5010% | 3,722 |
| Return on assets (ROA) | 0.5006% | 3,821 |
| Pretax return on assets | 0.5006% | 4,184 |
| Return on Equity (ROE) | 6.6359% | 2,937 |
| Retained earnings to average equity (ytd only) | 6.6359% | 1,104 |
| Net charge-offs to loans | 1.0194% | 2,370 |
| Credit loss provision to net charge-offs | 127.6830% | 4,054 |
| Earnings coverage of net charge-offs (x) | 1.9444% | 4,262 |
| Efficiency ratio | 75.8559% | 3,552 |
| Assets per employee ($millions) | 2.2443% | 7,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9957% | 6,420 |
| Loan loss allowance to noncurrent loans | 143.0123% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 5,089 |
| Noncurrent loans to loans | 0.6963% | 5,846 |
| Net loans and leases to total assets | 76.0858% | 1,776 |
| Net loans and leases to deposits | 98.9798% | 1,001 |
| Net loans and leases to core deposits | 124.6403% | 1,598 |
| Total domestic deposits to total assets | 76.8700% | 6,513 |
| Equity capital to assets | 7.4876% | 7,043 |
| Core capital (leverage) ratio | 7.4478% | 6,839 |
| Tier 1 risk-based capital ratio | 9.6021% | 7,158 |
| Total risk-based capital ratio | 10.5807% | 7,299 |
| Memoranda: |
| Average total assets | $242,100,400 | 2,697 |
| Average earning assets | $218,603,600 | 2,724 |
| Average equity | $18,264,200 | 3,468 |
| Average total loans | $178,238,200 | 2,538 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3790% | 965 |
| Cost of funding earning assets | 1.4674% | 5,971 |
| Net interest margin | 4.9116% | 538 |
| Noninterest income to average assets | 1.6054% | 571 |
| Noninterest expense to average assets | 4.4417% | 792 |
| Loan and lease loss provision to assets | 0.6344% | 2,855 |
| Net operating income to assets | 0.9676% | 2,172 |
| Return on assets (ROA) | 0.9676% | 2,226 |
| Pretax return on assets | 0.9676% | 3,001 |
| Return on Equity (ROE) | 12.8004% | 1,147 |
| Retained earnings to average equity (ytd only) | 12.8004% | 273 |
| Net charge-offs to loans | 1.1631% | 1,741 |
| Credit loss provision to net charge-offs | 74.9835% | 5,887 |
| Earnings coverage of net charge-offs (x) | 1.8934% | 4,391 |
| Efficiency ratio | 73.4921% | 3,956 |
| Assets per employee ($millions) | 2.2082% | 7,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5523% | 7,642 |
| Loan loss allowance to noncurrent loans | 55.3644% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.5560% | 4,031 |
| Noncurrent loans to loans | 0.9975% | 5,309 |
| Net loans and leases to total assets | 76.2497% | 1,942 |
| Net loans and leases to deposits | 99.7903% | 1,123 |
| Net loans and leases to core deposits | 124.4358% | 1,862 |
| Total domestic deposits to total assets | 76.4100% | 6,492 |
| Equity capital to assets | 7.7354% | 7,117 |
| Core capital (leverage) ratio | 8.0186% | 6,331 |
| Tier 1 risk-based capital ratio | 9.8681% | 7,084 |
| Total risk-based capital ratio | 10.4107% | 7,559 |
| Memoranda: |
| Average total assets | $238,102,250 | 2,750 |
| Average earning assets | $215,159,250 | 2,786 |
| Average equity | $17,999,000 | 3,541 |
| Average total loans | $173,211,000 | 2,621 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3088% | 1,187 |
| Cost of funding earning assets | 1.5422% | 5,965 |
| Net interest margin | 4.7666% | 705 |
| Noninterest income to average assets | 1.6201% | 568 |
| Noninterest expense to average assets | 4.5282% | 759 |
| Loan and lease loss provision to assets | 0.2170% | 4,871 |
| Net operating income to assets | 1.1766% | 1,545 |
| Return on assets (ROA) | 1.1766% | 1,626 |
| Pretax return on assets | 1.1766% | 2,370 |
| Return on Equity (ROE) | 15.7005% | 733 |
| Retained earnings to average equity (ytd only) | 15.7005% | 171 |
| Net charge-offs to loans | 0.8234% | 2,044 |
| Credit loss provision to net charge-offs | 36.9661% | 5,946 |
| Earnings coverage of net charge-offs (x) | 2.3741% | 3,877 |
| Efficiency ratio | 76.4672% | 3,604 |
| Assets per employee ($millions) | 2.1028% | 7,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5778% | 7,675 |
| Loan loss allowance to noncurrent loans | 45.5696% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.6951% | 3,636 |
| Noncurrent loans to loans | 1.2680% | 4,666 |
| Net loans and leases to total assets | 72.3948% | 3,117 |
| Net loans and leases to deposits | 90.9579% | 2,665 |
| Net loans and leases to core deposits | 111.6622% | 3,187 |
| Total domestic deposits to total assets | 79.5915% | 5,600 |
| Equity capital to assets | 7.2334% | 7,462 |
| Core capital (leverage) ratio | 7.6897% | 6,773 |
| Tier 1 risk-based capital ratio | 9.6437% | 7,282 |
| Total risk-based capital ratio | 10.2021% | 7,751 |
| Memoranda: |
| Average total assets | $231,350,000 | 2,846 |
| Average earning assets | $208,788,000 | 2,883 |
| Average equity | $17,337,000 | 3,651 |
| Average total loans | $164,917,330 | 2,739 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2052% | 1,586 |
| Cost of funding earning assets | 1.6443% | 5,840 |
| Net interest margin | 4.5610% | 1,014 |
| Noninterest income to average assets | 1.6075% | 533 |
| Noninterest expense to average assets | 4.7111% | 590 |
| Loan and lease loss provision to assets | 0.0682% | 6,099 |
| Net operating income to assets | 0.9437% | 2,534 |
| Return on assets (ROA) | 0.9437% | 2,665 |
| Pretax return on assets | 0.9437% | 3,555 |
| Return on Equity (ROE) | 12.3536% | 1,556 |
| Retained earnings to average equity (ytd only) | 12.3536% | 733 |
| Net charge-offs to loans | 0.1630% | 3,663 |
| Credit loss provision to net charge-offs | 59.3750% | 4,527 |
| Earnings coverage of net charge-offs (x) | 8.8125% | 2,142 |
| Efficiency ratio | 82.3197% | 2,494 |
| Assets per employee ($millions) | 1.9076% | 7,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9105% | 6,698 |
| Loan loss allowance to noncurrent loans | 34.6929% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 2.0393% | 2,838 |
| Noncurrent loans to loans | 2.6243% | 2,506 |
| Net loans and leases to total assets | 68.7509% | 3,960 |
| Net loans and leases to deposits | 80.4658% | 4,540 |
| Net loans and leases to core deposits | 99.9479% | 4,544 |
| Total domestic deposits to total assets | 85.4412% | 2,994 |
| Equity capital to assets | 7.5420% | 7,317 |
| Core capital (leverage) ratio | 7.7983% | 6,746 |
| Tier 1 risk-based capital ratio | 10.3104% | 6,587 |
| Total risk-based capital ratio | 11.1775% | 6,900 |
| Memoranda: |
| Average total assets | $222,961,500 | 2,958 |
| Average earning assets | $201,184,500 | 3,002 |
| Average equity | $17,031,500 | 3,728 |
| Average total loans | $157,038,500 | 2,894 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0553% | 999 |
| Cost of funding earning assets | 2.0930% | 6,084 |
| Net interest margin | 4.9623% | 554 |
| Noninterest income to average assets | 1.8891% | 382 |
| Noninterest expense to average assets | 5.4037% | 527 |
| Loan and lease loss provision to assets | 0.2148% | 4,743 |
| Net operating income to assets | 0.6383% | 4,153 |
| Return on assets (ROA) | 0.6782% | 3,830 |
| Pretax return on assets | 0.6782% | 4,457 |
| Return on Equity (ROE) | 8.4780% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.4780% | 713 |
| Net charge-offs to loans | 0.2212% | 4,016 |
| Credit loss provision to net charge-offs | 137.2611% | 3,879 |
| Earnings coverage of net charge-offs (x) | 5.4522% | 3,643 |
| Efficiency ratio | 86.3651% | 1,820 |
| Assets per employee ($millions) | 1.7224% | 8,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9481% | 6,404 |
| Loan loss allowance to noncurrent loans | 82.6038% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 4,153 |
| Noncurrent loans to loans | 1.1478% | 4,247 |
| Net loans and leases to total assets | 70.8627% | 3,822 |
| Net loans and leases to deposits | 82.7187% | 4,621 |
| Net loans and leases to core deposits | 102.2867% | 4,579 |
| Total domestic deposits to total assets | 85.6670% | 2,552 |
| Equity capital to assets | 7.7409% | 7,164 |
| Core capital (leverage) ratio | 7.7080% | 6,915 |
| Tier 1 risk-based capital ratio | 10.3058% | 6,410 |
| Total risk-based capital ratio | 11.2160% | 6,662 |
| Memoranda: |
| Average total assets | $200,678,600 | 3,131 |
| Average earning assets | $176,633,000 | 3,235 |
| Average equity | $16,053,400 | 3,920 |
| Average total loans | $141,962,800 | 3,061 |
