| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9859% | 1,308 |
| Cost of funding earning assets | 3.6047% | 155 |
| Net interest margin | 2.3812% | 4,014 |
| Noninterest income to average assets | 1.2300% | 434 |
| Noninterest expense to average assets | 3.5115% | 584 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | -0.2855% | 4,307 |
| Return on assets (ROA) | -0.2848% | 4,333 |
| Pretax return on assets | -0.1893% | 4,276 |
| Return on Equity (ROE) | -4.2500% | 4,339 |
| Retained earnings to average equity (ytd only) | -4.2499% | 4,259 |
| Net charge-offs to loans | 0.4668% | 317 |
| Credit loss provision to net charge-offs | 8.5256% | 2,515 |
| Earnings coverage of net charge-offs (x) | -0.6324% | 4,411 |
| Efficiency ratio | 105.9789% | 209 |
| Assets per employee ($millions) | 9.3087% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8404% | 498 |
| Loan loss allowance to noncurrent loans | 21,863.6364% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 3,738 |
| Noncurrent loans to loans | 0.0084% | 3,705 |
| Net loans and leases to total assets | 66.6800% | 2,298 |
| Net loans and leases to deposits | 80.9056% | 2,055 |
| Net loans and leases to core deposits | 95.6424% | 1,733 |
| Total domestic deposits to total assets | 82.4100% | 3,173 |
| Equity capital to assets | 10.3214% | 1,948 |
| Core capital (leverage) ratio | 10.9196% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4049% | 1,717 |
| Memoranda: |
| Average total assets | $636,530,600 | 1,459 |
| Average earning assets | $556,224,800 | 1,531 |
| Average equity | $42,660,000 | 1,897 |
| Average total loans | $427,174,800 | 1,465 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0632% | 1,174 |
| Cost of funding earning assets | 3.8218% | 107 |
| Net interest margin | 2.2414% | 4,128 |
| Noninterest income to average assets | 1.5200% | 345 |
| Noninterest expense to average assets | 3.6920% | 463 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | -0.2872% | 4,344 |
| Return on assets (ROA) | -0.2864% | 4,364 |
| Pretax return on assets | -0.1897% | 4,323 |
| Return on Equity (ROE) | -4.8500% | 4,384 |
| Retained earnings to average equity (ytd only) | -4.8534% | 4,330 |
| Net charge-offs to loans | 0.1762% | 659 |
| Credit loss provision to net charge-offs | 24.8264% | 2,169 |
| Earnings coverage of net charge-offs (x) | -1.7066% | 4,470 |
| Efficiency ratio | 105.7640% | 208 |
| Assets per employee ($millions) | 8.8311% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1261% | 323 |
| Loan loss allowance to noncurrent loans | 347.1561% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 1,629 |
| Noncurrent loans to loans | 0.6124% | 1,561 |
| Net loans and leases to total assets | 65.9700% | 2,326 |
| Net loans and leases to deposits | 75.5576% | 2,562 |
| Net loans and leases to core deposits | 89.5650% | 2,172 |
| Total domestic deposits to total assets | 87.3200% | 1,485 |
| Equity capital to assets | 9.8458% | 2,394 |
| Core capital (leverage) ratio | 10.5274% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4876% | 1,707 |
| Memoranda: |
| Average total assets | $651,378,750 | 1,417 |
| Average earning assets | $571,474,500 | 1,489 |
| Average equity | $38,432,750 | 2,039 |
| Average total loans | $435,959,250 | 1,435 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1259% | 1,002 |
| Cost of funding earning assets | 4.0699% | 62 |
| Net interest margin | 2.0559% | 4,263 |
| Noninterest income to average assets | 2.5600% | 208 |
| Noninterest expense to average assets | 4.3840% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.1203% | 4,317 |
| Return on assets (ROA) | -0.1203% | 4,340 |
| Pretax return on assets | -0.0215% | 4,276 |
| Return on Equity (ROE) | -2.5500% | 4,362 |
| Retained earnings to average equity (ytd only) | -2.5495% | 4,183 |
| Net charge-offs to loans | 0.2608% | 428 |
| Credit loss provision to net charge-offs | -23.0241% | 4,400 |
| Earnings coverage of net charge-offs (x) | -0.1237% | 4,478 |
| Efficiency ratio | 100.4939% | 272 |
| Assets per employee ($millions) | 9.2744% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0295% | 373 |
| Loan loss allowance to noncurrent loans | 295.3513% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 1,421 |
| Noncurrent loans to loans | 0.6871% | 1,348 |
| Net loans and leases to total assets | 66.6500% | 2,272 |
| Net loans and leases to deposits | 77.4572% | 2,429 |
| Net loans and leases to core deposits | 93.3268% | 1,915 |
| Total domestic deposits to total assets | 86.0500% | 1,961 |
| Equity capital to assets | 9.8889% | 2,143 |
| Core capital (leverage) ratio | 10.3835% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9649% | 1,904 |
| Memoranda: |
| Average total assets | $668,334,333 | 1,386 |
| Average earning assets | $587,183,667 | 1,452 |
| Average equity | $31,535,333 | 2,291 |
| Average total loans | $446,350,000 | 1,415 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4857% | 585 |
| Cost of funding earning assets | 4.2941% | 40 |
| Net interest margin | 2.1916% | 4,188 |
| Noninterest income to average assets | 1.8000% | 266 |
| Noninterest expense to average assets | 3.7405% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.1215% | 4,348 |
| Return on assets (ROA) | -0.1215% | 4,335 |
| Pretax return on assets | -0.0108% | 4,270 |
| Return on Equity (ROE) | -4.8700% | 4,415 |
| Retained earnings to average equity (ytd only) | -4.8697% | 4,126 |
| Net charge-offs to loans | 0.5090% | 189 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | -0.0321% | 4,501 |
| Efficiency ratio | 100.2907% | 291 |
| Assets per employee ($millions) | 7.6332% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0352% | 368 |
| Loan loss allowance to noncurrent loans | 177.3865% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 842 |
| Noncurrent loans to loans | 1.1473% | 732 |
| Net loans and leases to total assets | 62.0400% | 2,666 |
| Net loans and leases to deposits | 65.2225% | 3,219 |
| Net loans and leases to core deposits | 99.5831% | 1,447 |
| Total domestic deposits to total assets | 95.1200% | 64 |
| Equity capital to assets | 2.6929% | 4,529 |
| Core capital (leverage) ratio | 3.0366% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.4579% | 2,873 |
| Memoranda: |
| Average total assets | $701,083,000 | 1,344 |
| Average earning assets | $618,713,500 | 1,378 |
| Average equity | $17,496,000 | 3,124 |
| Average total loans | $464,471,000 | 1,370 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2774% | 448 |
| Cost of funding earning assets | 3.5889% | 64 |
| Net interest margin | 2.6886% | 3,836 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 10.2746% | 111 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | -7.8525% | 4,600 |
| Return on assets (ROA) | -7.8514% | 4,599 |
| Pretax return on assets | -7.4234% | 4,598 |
| Return on Equity (ROE) | -100.7000% | 4,579 |
| Retained earnings to average equity (ytd only) | -100.7015% | 4,565 |
| Net charge-offs to loans | 0.0657% | 1,192 |
| Credit loss provision to net charge-offs | -113.6247% | 4,482 |
| Earnings coverage of net charge-offs (x) | -172.9640% | 4,600 |
| Efficiency ratio | 146.7542% | 45 |
| Assets per employee ($millions) | 7.9478% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7448% | 600 |
| Loan loss allowance to noncurrent loans | 495.0164% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 1,539 |
| Noncurrent loans to loans | 0.3525% | 1,926 |
| Net loans and leases to total assets | 67.4200% | 2,102 |
| Net loans and leases to deposits | 72.5752% | 2,722 |
| Net loans and leases to core deposits | 125.6182% | 494 |
| Total domestic deposits to total assets | 92.8900% | 184 |
| Equity capital to assets | 2.3305% | 4,560 |
| Core capital (leverage) ratio | 2.4647% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 4.7531% | 2,895 |
| Memoranda: |
| Average total assets | $900,275,200 | 1,083 |
| Average earning assets | $745,670,600 | 1,174 |
| Average equity | $70,191,600 | 1,246 |
| Average total loans | $591,767,600 | 1,101 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0226% | 516 |
| Cost of funding earning assets | 3.3188% | 82 |
| Net interest margin | 2.7038% | 3,875 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 3.8667% | 389 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | -0.6319% | 4,546 |
| Return on assets (ROA) | -0.6308% | 4,534 |
| Pretax return on assets | -1.0164% | 4,553 |
| Return on Equity (ROE) | -7.0900% | 4,518 |
| Retained earnings to average equity (ytd only) | -7.0888% | 4,467 |
| Net charge-offs to loans | -0.0229% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 138.7941% | 53 |
| Assets per employee ($millions) | 9.2613% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7521% | 627 |
| Loan loss allowance to noncurrent loans | 405.0322% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 1,466 |
| Noncurrent loans to loans | 0.4326% | 1,747 |
| Net loans and leases to total assets | 55.8900% | 3,211 |
| Net loans and leases to deposits | 62.1953% | 3,392 |
| Net loans and leases to core deposits | 109.2773% | 899 |
| Total domestic deposits to total assets | 89.8600% | 978 |
| Equity capital to assets | 8.2573% | 2,880 |
| Core capital (leverage) ratio | 8.4496% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5053% | 2,452 |
| Memoranda: |
| Average total assets | $936,583,250 | 1,046 |
| Average earning assets | $765,274,000 | 1,148 |
| Average equity | $83,340,500 | 1,094 |
| Average total loans | $610,193,500 | 1,080 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7072% | 628 |
| Cost of funding earning assets | 2.7645% | 113 |
| Net interest margin | 2.9427% | 3,577 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 3.7179% | 432 |
| Loan and lease loss provision to assets | -0.1000% | 4,565 |
| Net operating income to assets | -0.4003% | 4,555 |
| Return on assets (ROA) | -0.3986% | 4,548 |
| Pretax return on assets | -0.6399% | 4,566 |
| Return on Equity (ROE) | -4.3600% | 4,534 |
| Retained earnings to average equity (ytd only) | -4.3631% | 4,403 |
| Net charge-offs to loans | -0.0296% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 124.8087% | 65 |
| Assets per employee ($millions) | 7.7261% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6155% | 907 |
| Loan loss allowance to noncurrent loans | 390.8207% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 1,300 |
| Noncurrent loans to loans | 0.4134% | 1,692 |
| Net loans and leases to total assets | 61.8800% | 2,587 |
| Net loans and leases to deposits | 71.7599% | 2,664 |
| Net loans and leases to core deposits | 116.9777% | 599 |
| Total domestic deposits to total assets | 86.2300% | 2,162 |
| Equity capital to assets | 8.6710% | 2,732 |
| Core capital (leverage) ratio | 10.4715% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0988% | 2,601 |
| Memoranda: |
| Average total assets | $912,285,333 | 1,069 |
| Average earning assets | $740,960,333 | 1,177 |
| Average equity | $83,335,333 | 1,092 |
| Average total loans | $622,185,333 | 1,044 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9152% | 346 |
| Cost of funding earning assets | 2.5813% | 83 |
| Net interest margin | 3.3338% | 2,784 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 3.1603% | 847 |
| Loan and lease loss provision to assets | -0.2000% | 4,624 |
| Net operating income to assets | 0.2969% | 4,253 |
| Return on assets (ROA) | 0.3012% | 4,211 |
| Pretax return on assets | 0.3190% | 4,245 |
| Return on Equity (ROE) | 3.2000% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.2048% | 3,459 |
| Net charge-offs to loans | -0.0244% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.5734% | 213 |
| Assets per employee ($millions) | 7.1118% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6201% | 973 |
| Loan loss allowance to noncurrent loans | 382.0336% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 1,087 |
| Noncurrent loans to loans | 0.4241% | 1,670 |
| Net loans and leases to total assets | 68.8200% | 1,748 |
| Net loans and leases to deposits | 81.6244% | 1,690 |
| Net loans and leases to core deposits | 116.2041% | 531 |
| Total domestic deposits to total assets | 84.3100% | 3,025 |
| Equity capital to assets | 9.6549% | 2,031 |
| Core capital (leverage) ratio | 10.4452% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0606% | 2,710 |
| Memoranda: |
| Average total assets | $873,958,500 | 1,117 |
| Average earning assets | $702,736,500 | 1,236 |
| Average equity | $82,127,500 | 1,114 |
| Average total loans | $622,296,000 | 1,057 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6205% | 593 |
| Cost of funding earning assets | 0.9984% | 162 |
| Net interest margin | 3.6221% | 1,583 |
| Noninterest income to average assets | 1.4500% | 357 |
| Noninterest expense to average assets | 4.0651% | 320 |
| Loan and lease loss provision to assets | 0.5300% | 108 |
| Net operating income to assets | 0.1600% | 4,476 |
| Return on assets (ROA) | 0.1617% | 4,457 |
| Pretax return on assets | -0.1945% | 4,590 |
| Return on Equity (ROE) | 1.7300% | 4,409 |
| Retained earnings to average equity (ytd only) | -0.8071% | 4,436 |
| Net charge-offs to loans | 0.6600% | 108 |
| Credit loss provision to net charge-offs | 113.5683% | 1,490 |
| Earnings coverage of net charge-offs (x) | 0.7152% | 2,553 |
| Efficiency ratio | 92.3997% | 255 |
| Assets per employee ($millions) | 7.8692% | 1,391 |
| Cash dividends to net income (ytd only)* | 146.6276% | 82 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5407% | 1,093 |
| Loan loss allowance to noncurrent loans | 20,147.9167% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 2,298 |
| Noncurrent loans to loans | 0.0076% | 3,801 |
| Net loans and leases to total assets | 71.4000% | 1,483 |
| Net loans and leases to deposits | 82.3449% | 1,592 |
| Net loans and leases to core deposits | 114.3774% | 477 |
| Total domestic deposits to total assets | 86.7100% | 2,491 |
| Equity capital to assets | 9.2123% | 2,219 |
| Core capital (leverage) ratio | 9.8500% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2281% | 2,935 |
| Memoranda: |
| Average total assets | $843,379,800 | 1,140 |
| Average earning assets | $687,499,800 | 1,249 |
| Average equity | $78,802,400 | 1,147 |
| Average total loans | $597,459,000 | 1,033 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2883% | 756 |
| Cost of funding earning assets | 0.6429% | 349 |
| Net interest margin | 3.6454% | 1,285 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 3.7632% | 384 |
| Loan and lease loss provision to assets | 0.8300% | 54 |
| Net operating income to assets | -0.3618% | 4,667 |
| Return on assets (ROA) | -0.3593% | 4,651 |
| Pretax return on assets | -0.4243% | 4,650 |
| Return on Equity (ROE) | -3.8300% | 4,650 |
| Retained earnings to average equity (ytd only) | -7.2259% | 4,645 |
| Net charge-offs to loans | 0.9834% | 50 |
| Credit loss provision to net charge-offs | 119.6277% | 1,225 |
| Earnings coverage of net charge-offs (x) | 0.5794% | 2,291 |
| Efficiency ratio | 90.3661% | 310 |
| Assets per employee ($millions) | 8.1617% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6143% | 1,038 |
| Loan loss allowance to noncurrent loans | 675.4564% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 2,440 |
| Noncurrent loans to loans | 0.2390% | 2,431 |
| Net loans and leases to total assets | 69.7200% | 1,500 |
| Net loans and leases to deposits | 82.5799% | 1,395 |
| Net loans and leases to core deposits | 110.5497% | 452 |
| Total domestic deposits to total assets | 84.4300% | 3,399 |
| Equity capital to assets | 8.5557% | 2,506 |
| Core capital (leverage) ratio | 9.5199% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9055% | 3,050 |
| Memoranda: |
| Average total assets | $837,820,500 | 1,157 |
| Average earning assets | $685,229,500 | 1,263 |
| Average equity | $78,567,250 | 1,165 |
| Average total loans | $589,893,250 | 1,043 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9371% | 1,048 |
| Cost of funding earning assets | 0.4088% | 867 |
| Net interest margin | 3.5284% | 1,238 |
| Noninterest income to average assets | 0.7787% | 1,101 |
| Noninterest expense to average assets | 3.5422% | 423 |
| Loan and lease loss provision to assets | 1.2603% | 34 |
| Net operating income to assets | -0.8995% | 4,711 |
| Return on assets (ROA) | -0.8995% | 4,705 |
| Pretax return on assets | -1.1165% | 4,707 |
| Return on Equity (ROE) | -9.3049% | 4,719 |
| Retained earnings to average equity (ytd only) | -9.3049% | 4,645 |
| Net charge-offs to loans | 1.5128% | 39 |
| Credit loss provision to net charge-offs | 118.5919% | 1,188 |
| Earnings coverage of net charge-offs (x) | 0.1353% | 2,102 |
| Efficiency ratio | 96.0980% | 245 |
| Assets per employee ($millions) | 7.8881% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6550% | 1,043 |
| Loan loss allowance to noncurrent loans | 671.9784% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,489 |
| Noncurrent loans to loans | 0.2463% | 2,499 |
| Net loans and leases to total assets | 69.4163% | 1,355 |
| Net loans and leases to deposits | 81.6819% | 1,267 |
| Net loans and leases to core deposits | 98.9736% | 714 |
| Total domestic deposits to total assets | 84.9836% | 3,489 |
| Equity capital to assets | 8.9300% | 2,426 |
| Core capital (leverage) ratio | 9.9988% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2046% | 2,987 |
| Memoranda: |
| Average total assets | $825,993,333 | 1,162 |
| Average earning assets | $680,598,667 | 1,280 |
| Average equity | $79,850,667 | 1,163 |
| Average total loans | $580,239,000 | 1,047 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7342% | 1,208 |
| Cost of funding earning assets | 0.3720% | 1,043 |
| Net interest margin | 3.3622% | 1,399 |
| Noninterest income to average assets | 0.6593% | 1,449 |
| Noninterest expense to average assets | 3.7233% | 339 |
| Loan and lease loss provision to assets | 2.7084% | 13 |
| Net operating income to assets | -2.2405% | 4,764 |
| Return on assets (ROA) | -2.2405% | 4,765 |
| Pretax return on assets | -2.9844% | 4,769 |
| Return on Equity (ROE) | -22.2858% | 4,776 |
| Retained earnings to average equity (ytd only) | -22.2858% | 4,717 |
| Net charge-offs to loans | 3.7227% | 15 |
| Credit loss provision to net charge-offs | 103.8287% | 988 |
| Earnings coverage of net charge-offs (x) | -0.1058% | 1,783 |
| Efficiency ratio | 108.0063% | 145 |
| Assets per employee ($millions) | 7.9590% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6270% | 1,200 |
| Loan loss allowance to noncurrent loans | 628.0430% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 2,540 |
| Noncurrent loans to loans | 0.2591% | 2,549 |
| Net loans and leases to total assets | 68.2163% | 1,192 |
| Net loans and leases to deposits | 80.5171% | 1,105 |
| Net loans and leases to core deposits | 92.3868% | 796 |
| Total domestic deposits to total assets | 84.7228% | 3,606 |
| Equity capital to assets | 9.4764% | 2,305 |
| Core capital (leverage) ratio | 9.9779% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0335% | 2,883 |
| Memoranda: |
| Average total assets | $813,031,500 | 1,180 |
| Average earning assets | $674,192,500 | 1,284 |
| Average equity | $81,738,000 | 1,175 |
| Average total loans | $569,698,000 | 1,055 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0902% | 1,178 |
| Cost of funding earning assets | 0.5234% | 825 |
| Net interest margin | 3.5667% | 1,559 |
| Noninterest income to average assets | 1.5450% | 474 |
| Noninterest expense to average assets | 3.3775% | 564 |
| Loan and lease loss provision to assets | 0.1248% | 983 |
| Net operating income to assets | 0.7608% | 3,456 |
| Return on assets (ROA) | 0.7993% | 3,405 |
| Pretax return on assets | 1.1359% | 2,870 |
| Return on Equity (ROE) | 8.0642% | 3,199 |
| Retained earnings to average equity (ytd only) | 4.2223% | 3,121 |
| Net charge-offs to loans | 0.1515% | 634 |
| Credit loss provision to net charge-offs | 115.3756% | 1,678 |
| Earnings coverage of net charge-offs (x) | 11.2066% | 2,166 |
| Efficiency ratio | 73.5929% | 1,355 |
| Assets per employee ($millions) | 7.5006% | 1,616 |
| Cash dividends to net income (ytd only)* | 47.6417% | 1,644 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6158% | 1,219 |
| Loan loss allowance to noncurrent loans | 589.7999% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,586 |
| Noncurrent loans to loans | 0.2740% | 2,625 |
| Net loans and leases to total assets | 69.9653% | 1,049 |
| Net loans and leases to deposits | 83.0419% | 983 |
| Net loans and leases to core deposits | 97.0672% | 656 |
| Total domestic deposits to total assets | 84.2530% | 3,484 |
| Equity capital to assets | 10.5106% | 2,170 |
| Core capital (leverage) ratio | 10.4693% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7801% | 2,705 |
| Memoranda: |
| Average total assets | $787,823,000 | 1,179 |
| Average earning assets | $672,464,400 | 1,257 |
| Average equity | $78,086,000 | 1,231 |
| Average total loans | $562,538,000 | 1,072 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1138% | 1,273 |
| Cost of funding earning assets | 0.5541% | 813 |
| Net interest margin | 3.5597% | 1,698 |
| Noninterest income to average assets | 1.7694% | 410 |
| Noninterest expense to average assets | 3.1988% | 711 |
| Loan and lease loss provision to assets | 0.1668% | 648 |
| Net operating income to assets | 1.0754% | 2,636 |
| Return on assets (ROA) | 1.0727% | 2,706 |
| Pretax return on assets | 1.4496% | 2,151 |
| Return on Equity (ROE) | 10.9909% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.2529% | 1,594 |
| Net charge-offs to loans | 0.1120% | 682 |
| Credit loss provision to net charge-offs | 208.2627% | 1,184 |
| Earnings coverage of net charge-offs (x) | 20.2309% | 1,739 |
| Efficiency ratio | 66.3850% | 2,046 |
| Assets per employee ($millions) | 7.4449% | 1,601 |
| Cash dividends to net income (ytd only)* | 15.8128% | 2,745 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7242% | 1,060 |
| Loan loss allowance to noncurrent loans | 487.0010% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 2,501 |
| Noncurrent loans to loans | 0.3540% | 2,506 |
| Net loans and leases to total assets | 70.7315% | 1,017 |
| Net loans and leases to deposits | 88.7367% | 673 |
| Net loans and leases to core deposits | 103.9645% | 456 |
| Total domestic deposits to total assets | 79.7094% | 4,267 |
| Equity capital to assets | 11.1320% | 1,924 |
| Core capital (leverage) ratio | 10.8999% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6884% | 2,476 |
| Memoranda: |
| Average total assets | $786,013,500 | 1,186 |
| Average earning assets | $673,290,250 | 1,275 |
| Average equity | $76,716,000 | 1,269 |
| Average total loans | $561,821,750 | 1,093 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0155% | 1,533 |
| Cost of funding earning assets | 0.5772% | 828 |
| Net interest margin | 3.4384% | 2,039 |
| Noninterest income to average assets | 0.6146% | 2,153 |
| Noninterest expense to average assets | 2.7799% | 1,399 |
| Loan and lease loss provision to assets | 0.1060% | 1,180 |
| Net operating income to assets | 0.4863% | 4,247 |
| Return on assets (ROA) | 0.4823% | 4,295 |
| Pretax return on assets | 0.6888% | 4,086 |
| Return on Equity (ROE) | 5.1765% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.4677% | 4,006 |
| Net charge-offs to loans | -0.0195% | 3,986 |
| Credit loss provision to net charge-offs | -763.6364% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6563% | 938 |
| Assets per employee ($millions) | 8.1729% | 1,129 |
| Cash dividends to net income (ytd only)* | 52.3286% | 1,153 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7065% | 1,042 |
| Loan loss allowance to noncurrent loans | 781.5334% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 3,227 |
| Noncurrent loans to loans | 0.2183% | 3,174 |
| Net loans and leases to total assets | 69.5973% | 1,247 |
| Net loans and leases to deposits | 84.9582% | 992 |
| Net loans and leases to core deposits | 99.7177% | 669 |
| Total domestic deposits to total assets | 81.9195% | 3,943 |
| Equity capital to assets | 10.3030% | 2,573 |
| Core capital (leverage) ratio | 10.1372% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5083% | 2,544 |
| Memoranda: |
| Average total assets | $792,410,000 | 1,168 |
| Average earning assets | $683,346,000 | 1,249 |
| Average equity | $73,833,667 | 1,303 |
| Average total loans | $565,128,333 | 1,088 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0507% | 1,508 |
| Cost of funding earning assets | 0.6140% | 826 |
| Net interest margin | 3.4368% | 1,998 |
| Noninterest income to average assets | 0.4566% | 2,801 |
| Noninterest expense to average assets | 2.6537% | 1,732 |
| Loan and lease loss provision to assets | 0.1055% | 1,297 |
| Net operating income to assets | 0.4747% | 4,225 |
| Return on assets (ROA) | 0.4747% | 4,260 |
| Pretax return on assets | 0.6751% | 4,066 |
| Return on Equity (ROE) | 5.3745% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.3745% | 3,101 |
| Net charge-offs to loans | -0.0204% | 4,008 |
| Credit loss provision to net charge-offs | -724.1379% | 3,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2707% | 1,020 |
| Assets per employee ($millions) | 9.3213% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6371% | 1,198 |
| Loan loss allowance to noncurrent loans | 796.8966% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 3,423 |
| Noncurrent loans to loans | 0.2054% | 3,372 |
| Net loans and leases to total assets | 70.9333% | 1,165 |
| Net loans and leases to deposits | 85.4588% | 1,000 |
| Net loans and leases to core deposits | 103.3494% | 592 |
| Total domestic deposits to total assets | 83.0029% | 3,686 |
| Equity capital to assets | 9.0577% | 3,625 |
| Core capital (leverage) ratio | 8.9056% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1444% | 2,899 |
| Memoranda: |
| Average total assets | $796,317,000 | 1,149 |
| Average earning assets | $689,947,500 | 1,232 |
| Average equity | $70,332,000 | 1,350 |
| Average total loans | $569,923,500 | 1,084 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5702% | 1,156 |
| Cost of funding earning assets | 0.9139% | 820 |
| Net interest margin | 3.6563% | 1,954 |
| Noninterest income to average assets | 1.2482% | 723 |
| Noninterest expense to average assets | 2.9786% | 1,481 |
| Loan and lease loss provision to assets | 0.6622% | 270 |
| Net operating income to assets | 0.4808% | 4,071 |
| Return on assets (ROA) | 0.5190% | 4,072 |
| Pretax return on assets | 0.8583% | 3,487 |
| Return on Equity (ROE) | 5.6669% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.7235% | 3,500 |
| Net charge-offs to loans | 0.4240% | 397 |
| Credit loss provision to net charge-offs | 214.4646% | 2,091 |
| Earnings coverage of net charge-offs (x) | 4.7677% | 2,939 |
| Efficiency ratio | 66.9233% | 2,375 |
| Assets per employee ($millions) | 9.7547% | 574 |
| Cash dividends to net income (ytd only)* | 51.9394% | 1,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5655% | 1,381 |
| Loan loss allowance to noncurrent loans | 693.7596% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 3,465 |
| Noncurrent loans to loans | 0.2257% | 3,396 |
| Net loans and leases to total assets | 69.9316% | 1,571 |
| Net loans and leases to deposits | 83.8070% | 1,481 |
| Net loans and leases to core deposits | 105.2372% | 677 |
| Total domestic deposits to total assets | 83.4437% | 3,279 |
| Equity capital to assets | 8.6141% | 4,361 |
| Core capital (leverage) ratio | 8.9598% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8887% | 2,952 |
| Memoranda: |
| Average total assets | $750,052,000 | 1,106 |
| Average earning assets | $656,972,400 | 1,169 |
| Average equity | $68,697,400 | 1,308 |
| Average total loans | $546,284,800 | 1,061 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7234% | 1,015 |
| Cost of funding earning assets | 0.9922% | 782 |
| Net interest margin | 3.7312% | 1,834 |
| Noninterest income to average assets | 1.5523% | 491 |
| Noninterest expense to average assets | 3.0213% | 1,399 |
| Loan and lease loss provision to assets | 0.7458% | 265 |
| Net operating income to assets | 0.6516% | 3,625 |
| Return on assets (ROA) | 0.6910% | 3,589 |
| Pretax return on assets | 1.1041% | 2,732 |
| Return on Equity (ROE) | 7.4228% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.4531% | 2,347 |
| Net charge-offs to loans | 0.3475% | 451 |
| Credit loss provision to net charge-offs | 292.6690% | 1,789 |
| Earnings coverage of net charge-offs (x) | 7.0641% | 2,603 |
| Efficiency ratio | 62.6655% | 2,959 |
| Assets per employee ($millions) | 9.5542% | 589 |
| Cash dividends to net income (ytd only)* | 26.5354% | 2,517 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5890% | 1,136 |
| Loan loss allowance to noncurrent loans | 295.9177% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 2,564 |
| Noncurrent loans to loans | 0.5370% | 2,455 |
| Net loans and leases to total assets | 72.5111% | 1,587 |
| Net loans and leases to deposits | 89.0002% | 1,369 |
| Net loans and leases to core deposits | 112.4730% | 613 |
| Total domestic deposits to total assets | 81.4730% | 3,546 |
| Equity capital to assets | 9.0979% | 4,036 |
| Core capital (leverage) ratio | 8.8442% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4274% | 2,812 |
| Memoranda: |
| Average total assets | $735,154,500 | 1,111 |
| Average earning assets | $644,093,500 | 1,168 |
| Average equity | $68,436,000 | 1,305 |
| Average total loans | $539,055,750 | 1,068 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9798% | 859 |
| Cost of funding earning assets | 1.0978% | 722 |
| Net interest margin | 3.8820% | 1,612 |
| Noninterest income to average assets | 0.8656% | 1,247 |
| Noninterest expense to average assets | 2.9381% | 1,742 |
| Loan and lease loss provision to assets | 0.8465% | 275 |
| Net operating income to assets | 0.2266% | 4,533 |
| Return on assets (ROA) | 0.2822% | 4,489 |
| Pretax return on assets | 0.5533% | 4,149 |
| Return on Equity (ROE) | 3.0068% | 4,353 |
| Retained earnings to average equity (ytd only) | 0.0236% | 4,302 |
| Net charge-offs to loans | 0.4105% | 385 |
| Credit loss provision to net charge-offs | 281.7512% | 1,669 |
| Earnings coverage of net charge-offs (x) | 4.4249% | 2,601 |
| Efficiency ratio | 68.8469% | 2,116 |
| Assets per employee ($millions) | 7.5871% | 1,135 |
| Cash dividends to net income (ytd only)* | 99.2149% | 494 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4346% | 1,467 |
| Loan loss allowance to noncurrent loans | 238.8411% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 2,554 |
| Noncurrent loans to loans | 0.6007% | 2,346 |
| Net loans and leases to total assets | 71.1288% | 1,852 |
| Net loans and leases to deposits | 90.0748% | 1,347 |
| Net loans and leases to core deposits | 102.1228% | 1,111 |
| Total domestic deposits to total assets | 78.9663% | 4,043 |
| Equity capital to assets | 8.3906% | 4,538 |
| Core capital (leverage) ratio | 8.8986% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8913% | 2,996 |
| Memoranda: |
| Average total assets | $722,242,333 | 1,116 |
| Average earning assets | $632,923,000 | 1,165 |
| Average equity | $67,778,667 | 1,305 |
| Average total loans | $528,668,333 | 1,073 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6113% | 1,965 |
| Cost of funding earning assets | 1.3176% | 541 |
| Net interest margin | 3.2937% | 3,605 |
| Noninterest income to average assets | 0.9676% | 918 |
| Noninterest expense to average assets | 2.9886% | 1,905 |
| Loan and lease loss provision to assets | 0.6230% | 437 |
| Net operating income to assets | 0.1709% | 4,569 |
| Return on assets (ROA) | 0.2284% | 4,502 |
| Pretax return on assets | 0.3041% | 4,448 |
| Return on Equity (ROE) | 2.2907% | 4,385 |
| Retained earnings to average equity (ytd only) | 2.2907% | 3,335 |
| Net charge-offs to loans | 0.0080% | 2,281 |
| Credit loss provision to net charge-offs | 10,610.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 443 |
| Efficiency ratio | 77.7693% | 1,366 |
| Assets per employee ($millions) | 6.4265% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4487% | 1,528 |
| Loan loss allowance to noncurrent loans | 180.2142% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 2,167 |
| Noncurrent loans to loans | 0.8039% | 2,000 |
| Net loans and leases to total assets | 73.9459% | 1,613 |
| Net loans and leases to deposits | 88.9870% | 1,641 |
| Net loans and leases to core deposits | 102.4077% | 1,295 |
| Total domestic deposits to total assets | 83.0974% | 3,079 |
| Equity capital to assets | 9.9221% | 3,864 |
| Core capital (leverage) ratio | 10.2266% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1496% | 3,055 |
| Memoranda: |
| Average total assets | $681,248,500 | 1,144 |
| Average earning assets | $594,718,500 | 1,197 |
| Average equity | $67,928,000 | 1,296 |
| Average total loans | $502,820,000 | 1,094 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0553% | 1,330 |
| Cost of funding earning assets | 1.4796% | 424 |
| Net interest margin | 3.5757% | 3,213 |
| Noninterest income to average assets | 0.5707% | 2,367 |
| Noninterest expense to average assets | 2.7292% | 2,804 |
| Loan and lease loss provision to assets | 0.2264% | 851 |
| Net operating income to assets | 0.6396% | 4,040 |
| Return on assets (ROA) | 0.6684% | 4,034 |
| Pretax return on assets | 0.8962% | 3,754 |
| Return on Equity (ROE) | 6.5024% | 3,739 |
| Retained earnings to average equity (ytd only) | 3.4896% | 3,263 |
| Net charge-offs to loans | 0.3398% | 601 |
| Credit loss provision to net charge-offs | 88.9825% | 2,667 |
| Earnings coverage of net charge-offs (x) | 4.2691% | 3,235 |
| Efficiency ratio | 71.5335% | 1,939 |
| Assets per employee ($millions) | 6.5508% | 1,255 |
| Cash dividends to net income (ytd only)* | 46.3336% | 2,261 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2849% | 2,000 |
| Loan loss allowance to noncurrent loans | 197.9439% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 2,246 |
| Noncurrent loans to loans | 0.6491% | 2,268 |
| Net loans and leases to total assets | 71.6517% | 2,138 |
| Net loans and leases to deposits | 84.0049% | 2,335 |
| Net loans and leases to core deposits | 96.5951% | 1,847 |
| Total domestic deposits to total assets | 85.2947% | 2,384 |
| Equity capital to assets | 10.0202% | 3,899 |
| Core capital (leverage) ratio | 10.1907% | 3,311 |
| Tier 1 risk-based capital ratio | 11.8784% | 4,436 |
| Total risk-based capital ratio | 12.9949% | 4,381 |
| Memoranda: |
| Average total assets | $652,890,200 | 1,146 |
| Average earning assets | $592,449,800 | 1,171 |
| Average equity | $67,114,000 | 1,264 |
| Average total loans | $488,798,400 | 1,101 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1140% | 1,262 |
| Cost of funding earning assets | 1.4786% | 436 |
| Net interest margin | 3.6355% | 3,152 |
| Noninterest income to average assets | 0.6206% | 2,102 |
| Noninterest expense to average assets | 2.7412% | 2,743 |
| Loan and lease loss provision to assets | 0.1858% | 969 |
| Net operating income to assets | 0.7547% | 3,838 |
| Return on assets (ROA) | 0.8042% | 3,737 |
| Pretax return on assets | 1.0802% | 3,348 |
| Return on Equity (ROE) | 7.7712% | 3,404 |
| Retained earnings to average equity (ytd only) | 3.7370% | 3,531 |
| Net charge-offs to loans | 0.3622% | 467 |
| Credit loss provision to net charge-offs | 67.9758% | 2,640 |
| Earnings coverage of net charge-offs (x) | 4.4026% | 3,013 |
| Efficiency ratio | 69.4913% | 2,192 |
| Assets per employee ($millions) | 6.3219% | 1,376 |
| Cash dividends to net income (ytd only)* | 51.9127% | 1,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2642% | 2,149 |
| Loan loss allowance to noncurrent loans | 301.7275% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 2,936 |
| Noncurrent loans to loans | 0.4190% | 3,044 |
| Net loans and leases to total assets | 73.3184% | 1,942 |
| Net loans and leases to deposits | 85.6617% | 2,236 |
| Net loans and leases to core deposits | 99.5450% | 1,694 |
| Total domestic deposits to total assets | 85.5907% | 2,172 |
| Equity capital to assets | 10.4005% | 3,638 |
| Core capital (leverage) ratio | 10.5953% | 3,010 |
| Tier 1 risk-based capital ratio | 12.0502% | 4,397 |
| Total risk-based capital ratio | 13.1479% | 4,353 |
| Memoranda: |
| Average total assets | $645,791,000 | 1,153 |
| Average earning assets | $590,465,000 | 1,169 |
| Average equity | $66,826,000 | 1,265 |
| Average total loans | $487,371,000 | 1,104 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1274% | 1,154 |
| Cost of funding earning assets | 1.4707% | 416 |
| Net interest margin | 3.6567% | 3,085 |
| Noninterest income to average assets | 0.6866% | 1,774 |
| Noninterest expense to average assets | 2.7189% | 2,849 |
| Loan and lease loss provision to assets | 0.2329% | 691 |
| Net operating income to assets | 0.8098% | 3,617 |
| Return on assets (ROA) | 0.8736% | 3,454 |
| Pretax return on assets | 1.1829% | 2,964 |
| Return on Equity (ROE) | 8.4567% | 3,086 |
| Retained earnings to average equity (ytd only) | 5.4173% | 2,563 |
| Net charge-offs to loans | 0.3184% | 540 |
| Credit loss provision to net charge-offs | 96.4010% | 2,057 |
| Earnings coverage of net charge-offs (x) | 5.5257% | 2,646 |
| Efficiency ratio | 67.0676% | 2,676 |
| Assets per employee ($millions) | 6.0838% | 1,484 |
| Cash dividends to net income (ytd only)* | 35.9403% | 2,374 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3167% | 1,939 |
| Loan loss allowance to noncurrent loans | 170.9296% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 2,161 |
| Noncurrent loans to loans | 0.7703% | 2,060 |
| Net loans and leases to total assets | 77.8535% | 1,248 |
| Net loans and leases to deposits | 87.8163% | 2,027 |
| Net loans and leases to core deposits | 101.1117% | 1,626 |
| Total domestic deposits to total assets | 88.6550% | 802 |
| Equity capital to assets | 10.8005% | 3,269 |
| Core capital (leverage) ratio | 10.5072% | 3,081 |
| Tier 1 risk-based capital ratio | 11.9913% | 4,426 |
| Total risk-based capital ratio | 13.1549% | 4,353 |
| Memoranda: |
| Average total assets | $644,003,330 | 1,158 |
| Average earning assets | $593,051,330 | 1,155 |
| Average equity | $66,527,000 | 1,264 |
| Average total loans | $488,651,670 | 1,103 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9657% | 1,421 |
| Cost of funding earning assets | 1.3959% | 467 |
| Net interest margin | 3.5698% | 3,365 |
| Noninterest income to average assets | 0.2985% | 3,885 |
| Noninterest expense to average assets | 2.6015% | 3,214 |
| Loan and lease loss provision to assets | 0.0919% | 1,883 |
| Net operating income to assets | 0.6915% | 3,968 |
| Return on assets (ROA) | 0.7336% | 3,879 |
| Pretax return on assets | 0.9732% | 3,528 |
| Return on Equity (ROE) | 7.2599% | 3,565 |
| Retained earnings to average equity (ytd only) | 1.1281% | 4,285 |
| Net charge-offs to loans | 0.3541% | 439 |
| Credit loss provision to net charge-offs | 34.8837% | 2,062 |
| Earnings coverage of net charge-offs (x) | 3.8395% | 2,373 |
| Efficiency ratio | 71.9980% | 2,045 |
| Assets per employee ($millions) | 6.7372% | 1,117 |
| Cash dividends to net income (ytd only)* | 84.4612% | 845 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2907% | 2,133 |
| Loan loss allowance to noncurrent loans | 125.4210% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 1,879 |
| Noncurrent loans to loans | 1.0291% | 1,624 |
| Net loans and leases to total assets | 70.3149% | 2,436 |
| Net loans and leases to deposits | 78.4324% | 3,017 |
| Net loans and leases to core deposits | 89.5872% | 2,542 |
| Total domestic deposits to total assets | 89.6503% | 578 |
| Equity capital to assets | 9.7070% | 4,086 |
| Core capital (leverage) ratio | 10.2714% | 3,307 |
| Tier 1 risk-based capital ratio | 12.0784% | 4,414 |
| Total risk-based capital ratio | 13.2329% | 4,360 |
| Memoranda: |
| Average total assets | $652,691,500 | 1,153 |
| Average earning assets | $606,081,500 | 1,135 |
| Average equity | $65,951,000 | 1,265 |
| Average total loans | $485,797,500 | 1,107 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7843% | 1,580 |
| Cost of funding earning assets | 0.9921% | 785 |
| Net interest margin | 3.7922% | 2,691 |
| Noninterest income to average assets | 0.3234% | 3,937 |
| Noninterest expense to average assets | 2.5475% | 3,477 |
| Loan and lease loss provision to assets | 0.1266% | 1,728 |
| Net operating income to assets | 0.9252% | 3,346 |
| Return on assets (ROA) | 0.9252% | 3,334 |
| Pretax return on assets | 1.2191% | 2,816 |
| Return on Equity (ROE) | 10.0471% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.7281% | 966 |
| Net charge-offs to loans | -0.0107% | 4,508 |
| Credit loss provision to net charge-offs | -1,533.3333% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4341% | 2,964 |
| Assets per employee ($millions) | 6.1267% | 1,437 |
| Cash dividends to net income (ytd only)* | 13.1280% | 3,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3426% | 1,861 |
| Loan loss allowance to noncurrent loans | 123.9007% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 1,605 |
| Noncurrent loans to loans | 1.0836% | 1,507 |
| Net loans and leases to total assets | 76.8634% | 1,462 |
| Net loans and leases to deposits | 86.4713% | 2,218 |
| Net loans and leases to core deposits | 98.4513% | 1,834 |
| Total domestic deposits to total assets | 88.8890% | 907 |
| Equity capital to assets | 10.5372% | 3,144 |
| Core capital (leverage) ratio | 10.3194% | 3,234 |
| Tier 1 risk-based capital ratio | 11.9499% | 4,456 |
| Total risk-based capital ratio | 13.1463% | 4,384 |
| Memoranda: |
| Average total assets | $617,497,800 | 1,171 |
| Average earning assets | $581,291,600 | 1,152 |
| Average equity | $56,862,000 | 1,387 |
| Average total loans | $477,909,200 | 1,091 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6639% | 1,784 |
| Cost of funding earning assets | 0.8824% | 992 |
| Net interest margin | 3.7815% | 2,709 |
| Noninterest income to average assets | 0.3357% | 3,916 |
| Noninterest expense to average assets | 2.5027% | 3,592 |
| Loan and lease loss provision to assets | 0.1399% | 1,426 |
| Net operating income to assets | 0.9581% | 3,273 |
| Return on assets (ROA) | 0.9581% | 3,285 |
| Pretax return on assets | 1.2635% | 2,755 |
| Return on Equity (ROE) | 10.8002% | 2,257 |
| Retained earnings to average equity (ytd only) | 8.9692% | 1,231 |
| Net charge-offs to loans | -0.0151% | 4,526 |
| Credit loss provision to net charge-offs | -1,196.2963% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0719% | 3,173 |
| Assets per employee ($millions) | 6.5390% | 1,166 |
| Cash dividends to net income (ytd only)* | 16.9531% | 3,133 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2796% | 2,200 |
| Loan loss allowance to noncurrent loans | 118.5706% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 1,744 |
| Noncurrent loans to loans | 1.0792% | 1,578 |
| Net loans and leases to total assets | 76.3184% | 1,616 |
| Net loans and leases to deposits | 84.0704% | 2,592 |
| Net loans and leases to core deposits | 106.2388% | 1,289 |
| Total domestic deposits to total assets | 90.7792% | 272 |
| Equity capital to assets | 8.7213% | 4,783 |
| Core capital (leverage) ratio | 8.7902% | 4,893 |
| Tier 1 risk-based capital ratio | 10.1255% | 5,357 |
| Total risk-based capital ratio | 11.2836% | 5,321 |
| Memoranda: |
| Average total assets | $615,640,250 | 1,178 |
| Average earning assets | $581,278,750 | 1,157 |
| Average equity | $54,615,000 | 1,428 |
| Average total loans | $475,667,000 | 1,094 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5426% | 1,953 |
| Cost of funding earning assets | 0.7715% | 1,276 |
| Net interest margin | 3.7712% | 2,666 |
| Noninterest income to average assets | 0.3570% | 3,770 |
| Noninterest expense to average assets | 2.4764% | 3,691 |
| Loan and lease loss provision to assets | 0.1689% | 1,090 |
| Net operating income to assets | 0.9837% | 3,093 |
| Return on assets (ROA) | 0.9837% | 3,097 |
| Pretax return on assets | 1.2729% | 2,624 |
| Return on Equity (ROE) | 11.0221% | 2,104 |
| Retained earnings to average equity (ytd only) | 8.2443% | 1,521 |
| Net charge-offs to loans | -0.0304% | 4,739 |
| Credit loss provision to net charge-offs | -719.7183% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2023% | 3,434 |
| Assets per employee ($millions) | 6.1397% | 1,375 |
| Cash dividends to net income (ytd only)* | 25.2016% | 2,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2609% | 2,371 |
| Loan loss allowance to noncurrent loans | 105.1171% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 1,499 |
| Noncurrent loans to loans | 1.1996% | 1,451 |
| Net loans and leases to total assets | 81.8073% | 726 |
| Net loans and leases to deposits | 90.6070% | 1,766 |
| Net loans and leases to core deposits | 109.1400% | 1,048 |
| Total domestic deposits to total assets | 90.2881% | 466 |
| Equity capital to assets | 9.1668% | 4,414 |
| Core capital (leverage) ratio | 8.9402% | 4,737 |
| Tier 1 risk-based capital ratio | 9.9564% | 5,441 |
| Total risk-based capital ratio | 11.1012% | 5,406 |
| Memoranda: |
| Average total assets | $605,067,330 | 1,200 |
| Average earning assets | $571,385,670 | 1,178 |
| Average equity | $54,000,670 | 1,441 |
| Average total loans | $467,403,330 | 1,117 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2664% | 2,649 |
| Cost of funding earning assets | 0.7259% | 1,311 |
| Net interest margin | 3.5405% | 3,387 |
| Noninterest income to average assets | 0.3573% | 3,753 |
| Noninterest expense to average assets | 2.4010% | 3,941 |
| Loan and lease loss provision to assets | 0.0897% | 2,015 |
| Net operating income to assets | 0.9328% | 3,145 |
| Return on assets (ROA) | 0.9328% | 3,165 |
| Pretax return on assets | 1.2137% | 2,699 |
| Return on Equity (ROE) | 10.5947% | 2,133 |
| Retained earnings to average equity (ytd only) | 4.9791% | 3,182 |
| Net charge-offs to loans | -0.0027% | 3,850 |
| Credit loss provision to net charge-offs | -4,533.3333% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8158% | 3,351 |
| Assets per employee ($millions) | 7.1435% | 909 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2527% | 2,503 |
| Loan loss allowance to noncurrent loans | 98.1028% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 1,762 |
| Noncurrent loans to loans | 1.2769% | 1,407 |
| Net loans and leases to total assets | 69.3311% | 2,586 |
| Net loans and leases to deposits | 75.9135% | 3,220 |
| Net loans and leases to core deposits | 92.0011% | 2,305 |
| Total domestic deposits to total assets | 91.3291% | 222 |
| Equity capital to assets | 8.0761% | 5,241 |
| Core capital (leverage) ratio | 9.5288% | 4,037 |
| Tier 1 risk-based capital ratio | 10.1071% | 5,473 |
| Total risk-based capital ratio | 11.2181% | 5,453 |
| Memoranda: |
| Average total assets | $606,755,000 | 1,205 |
| Average earning assets | $573,595,500 | 1,183 |
| Average equity | $53,423,000 | 1,456 |
| Average total loans | $451,848,000 | 1,150 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5945% | 1,451 |
| Cost of funding earning assets | 0.6292% | 1,424 |
| Net interest margin | 3.9653% | 1,862 |
| Noninterest income to average assets | 0.2801% | 4,456 |
| Noninterest expense to average assets | 2.5832% | 3,494 |
| Loan and lease loss provision to assets | 0.0667% | 2,874 |
| Net operating income to assets | 0.8832% | 2,802 |
| Return on assets (ROA) | 0.8832% | 2,824 |
| Pretax return on assets | 1.3550% | 2,149 |
| Return on Equity (ROE) | 9.3455% | 2,157 |
| Retained earnings to average equity (ytd only) | 8.5929% | 588 |
| Net charge-offs to loans | -0.0115% | 4,817 |
| Credit loss provision to net charge-offs | -734.6939% | 5,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5021% | 3,533 |
| Assets per employee ($millions) | 5.9692% | 1,534 |
| Cash dividends to net income (ytd only)* | 8.0537% | 3,972 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3045% | 2,196 |
| Loan loss allowance to noncurrent loans | 209.0143% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,866 |
| Noncurrent loans to loans | 0.6241% | 2,661 |
| Net loans and leases to total assets | 78.5832% | 1,202 |
| Net loans and leases to deposits | 87.6080% | 2,064 |
| Net loans and leases to core deposits | 111.5030% | 922 |
| Total domestic deposits to total assets | 89.6987% | 687 |
| Equity capital to assets | 9.6862% | 4,045 |
| Core capital (leverage) ratio | 9.7746% | 3,722 |
| Tier 1 risk-based capital ratio | 10.4723% | 5,374 |
| Total risk-based capital ratio | 11.6063% | 5,342 |
| Memoranda: |
| Average total assets | $539,862,600 | 1,298 |
| Average earning assets | $507,125,600 | 1,282 |
| Average equity | $51,019,000 | 1,501 |
| Average total loans | $427,684,200 | 1,172 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5744% | 1,436 |
| Cost of funding earning assets | 0.6019% | 1,519 |
| Net interest margin | 3.9725% | 1,796 |
| Noninterest income to average assets | 0.2785% | 4,519 |
| Noninterest expense to average assets | 2.5595% | 3,539 |
| Loan and lease loss provision to assets | 0.0690% | 2,697 |
| Net operating income to assets | 0.9086% | 2,985 |
| Return on assets (ROA) | 0.9086% | 3,047 |
| Pretax return on assets | 1.3860% | 2,156 |
| Return on Equity (ROE) | 9.6757% | 2,270 |
| Retained earnings to average equity (ytd only) | 8.6614% | 961 |
| Net charge-offs to loans | -0.0160% | 4,770 |
| Credit loss provision to net charge-offs | -545.0980% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7566% | 3,593 |
| Assets per employee ($millions) | 5.8966% | 1,573 |
| Cash dividends to net income (ytd only)* | 10.4833% | 3,455 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2979% | 2,361 |
| Loan loss allowance to noncurrent loans | 198.0979% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 2,916 |
| Noncurrent loans to loans | 0.6552% | 2,741 |
| Net loans and leases to total assets | 78.8402% | 1,144 |
| Net loans and leases to deposits | 87.9120% | 2,078 |
| Net loans and leases to core deposits | 108.9532% | 1,092 |
| Total domestic deposits to total assets | 89.6809% | 585 |
| Equity capital to assets | 9.6507% | 4,293 |
| Core capital (leverage) ratio | 9.6226% | 4,015 |
| Tier 1 risk-based capital ratio | 10.4431% | 5,468 |
| Total risk-based capital ratio | 11.5776% | 5,445 |
| Memoranda: |
| Average total assets | $537,537,500 | 1,316 |
| Average earning assets | $505,525,750 | 1,295 |
| Average equity | $50,475,500 | 1,526 |
| Average total loans | $425,291,750 | 1,178 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5411% | 1,412 |
| Cost of funding earning assets | 0.5710% | 1,643 |
| Net interest margin | 3.9702% | 1,710 |
| Noninterest income to average assets | 0.2717% | 4,605 |
| Noninterest expense to average assets | 2.5711% | 3,524 |
| Loan and lease loss provision to assets | 0.0601% | 2,761 |
| Net operating income to assets | 0.9050% | 2,888 |
| Return on assets (ROA) | 0.9050% | 2,938 |
| Pretax return on assets | 1.3801% | 2,100 |
| Return on Equity (ROE) | 9.7293% | 2,156 |
| Retained earnings to average equity (ytd only) | 8.9590% | 856 |
| Net charge-offs to loans | -0.0218% | 4,808 |
| Credit loss provision to net charge-offs | -350.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0956% | 3,653 |
| Assets per employee ($millions) | 5.7435% | 1,659 |
| Cash dividends to net income (ytd only)* | 7.9175% | 3,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2713% | 2,565 |
| Loan loss allowance to noncurrent loans | 158.4677% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 2,517 |
| Noncurrent loans to loans | 0.8022% | 2,396 |
| Net loans and leases to total assets | 79.9946% | 957 |
| Net loans and leases to deposits | 89.1127% | 1,850 |
| Net loans and leases to core deposits | 111.1194% | 947 |
| Total domestic deposits to total assets | 89.7679% | 613 |
| Equity capital to assets | 9.6147% | 4,299 |
| Core capital (leverage) ratio | 9.6267% | 3,989 |
| Tier 1 risk-based capital ratio | 10.4189% | 5,496 |
| Total risk-based capital ratio | 11.5479% | 5,478 |
| Memoranda: |
| Average total assets | $535,887,670 | 1,328 |
| Average earning assets | $504,766,330 | 1,306 |
| Average equity | $49,849,330 | 1,541 |
| Average total loans | $422,615,000 | 1,188 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6670% | 998 |
| Cost of funding earning assets | 0.5495% | 1,716 |
| Net interest margin | 4.1176% | 1,179 |
| Noninterest income to average assets | 0.2407% | 4,810 |
| Noninterest expense to average assets | 2.5285% | 3,725 |
| Loan and lease loss provision to assets | 0.0596% | 2,610 |
| Net operating income to assets | 1.0008% | 2,296 |
| Return on assets (ROA) | 1.0008% | 2,348 |
| Pretax return on assets | 1.5336% | 1,434 |
| Return on Equity (ROE) | 10.9418% | 1,587 |
| Retained earnings to average equity (ytd only) | 9.3775% | 958 |
| Net charge-offs to loans | -0.8833% | 5,779 |
| Credit loss provision to net charge-offs | -8.6768% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3451% | 4,254 |
| Assets per employee ($millions) | 5.8630% | 1,606 |
| Cash dividends to net income (ytd only)* | 14.2964% | 2,626 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5111% | 1,660 |
| Loan loss allowance to noncurrent loans | 118.9684% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 1,847 |
| Noncurrent loans to loans | 1.2701% | 1,587 |
| Net loans and leases to total assets | 75.2726% | 1,536 |
| Net loans and leases to deposits | 83.5488% | 2,336 |
| Net loans and leases to core deposits | 104.6137% | 1,187 |
| Total domestic deposits to total assets | 90.0941% | 618 |
| Equity capital to assets | 9.2138% | 4,603 |
| Core capital (leverage) ratio | 9.5466% | 4,060 |
| Tier 1 risk-based capital ratio | 10.5158% | 5,531 |
| Total risk-based capital ratio | 11.7669% | 5,456 |
| Memoranda: |
| Average total assets | $536,761,000 | 1,330 |
| Average earning assets | $505,930,000 | 1,302 |
| Average equity | $49,096,000 | 1,557 |
| Average total loans | $417,529,500 | 1,203 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3151% | 2,099 |
| Cost of funding earning assets | 0.5282% | 1,883 |
| Net interest margin | 3.7869% | 2,365 |
| Noninterest income to average assets | 0.4211% | 3,734 |
| Noninterest expense to average assets | 2.6317% | 3,580 |
| Loan and lease loss provision to assets | 0.2048% | 1,112 |
| Net operating income to assets | 0.7556% | 3,513 |
| Return on assets (ROA) | 0.7556% | 3,629 |
| Pretax return on assets | 1.1319% | 2,960 |
| Return on Equity (ROE) | 8.3065% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.7980% | 923 |
| Net charge-offs to loans | 0.1025% | 2,247 |
| Credit loss provision to net charge-offs | 250.7653% | 1,152 |
| Earnings coverage of net charge-offs (x) | 16.3673% | 2,118 |
| Efficiency ratio | 66.3167% | 3,542 |
| Assets per employee ($millions) | 5.7420% | 1,667 |
| Cash dividends to net income (ytd only)* | 6.1208% | 4,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2657% | 2,728 |
| Loan loss allowance to noncurrent loans | 91.6566% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 1,604 |
| Noncurrent loans to loans | 1.3810% | 1,483 |
| Net loans and leases to total assets | 78.1877% | 1,176 |
| Net loans and leases to deposits | 86.6761% | 2,086 |
| Net loans and leases to core deposits | 107.8026% | 1,033 |
| Total domestic deposits to total assets | 90.2067% | 557 |
| Equity capital to assets | 9.0775% | 4,735 |
| Core capital (leverage) ratio | 9.3846% | 4,239 |
| Tier 1 risk-based capital ratio | 9.9895% | 5,740 |
| Total risk-based capital ratio | 11.1041% | 5,742 |
| Memoranda: |
| Average total assets | $479,989,400 | 1,432 |
| Average earning assets | $449,629,400 | 1,417 |
| Average equity | $43,664,800 | 1,698 |
| Average total loans | $382,272,200 | 1,244 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2356% | 2,391 |
| Cost of funding earning assets | 0.5136% | 1,987 |
| Net interest margin | 3.7220% | 2,633 |
| Noninterest income to average assets | 0.4391% | 3,639 |
| Noninterest expense to average assets | 2.6921% | 3,373 |
| Loan and lease loss provision to assets | 0.1960% | 1,096 |
| Net operating income to assets | 0.7300% | 3,694 |
| Return on assets (ROA) | 0.7300% | 3,828 |
| Pretax return on assets | 1.0323% | 3,506 |
| Return on Equity (ROE) | 8.0199% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.3250% | 1,473 |
| Net charge-offs to loans | 0.1697% | 1,354 |
| Credit loss provision to net charge-offs | 144.8421% | 1,814 |
| Earnings coverage of net charge-offs (x) | 9.0758% | 2,709 |
| Efficiency ratio | 68.6678% | 3,103 |
| Assets per employee ($millions) | 5.3673% | 1,986 |
| Cash dividends to net income (ytd only)* | 8.6650% | 3,582 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2005% | 3,233 |
| Loan loss allowance to noncurrent loans | 85.2758% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.2750% | 1,519 |
| Noncurrent loans to loans | 1.4078% | 1,559 |
| Net loans and leases to total assets | 80.2042% | 863 |
| Net loans and leases to deposits | 88.4998% | 1,951 |
| Net loans and leases to core deposits | 109.9866% | 915 |
| Total domestic deposits to total assets | 90.6263% | 291 |
| Equity capital to assets | 8.6837% | 5,411 |
| Core capital (leverage) ratio | 8.9780% | 4,852 |
| Tier 1 risk-based capital ratio | 9.3082% | 5,899 |
| Total risk-based capital ratio | 10.3670% | 5,916 |
| Memoranda: |
| Average total assets | $467,921,500 | 1,464 |
| Average earning assets | $437,678,500 | 1,452 |
| Average equity | $42,592,750 | 1,747 |
| Average total loans | $373,257,750 | 1,261 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1958% | 2,524 |
| Cost of funding earning assets | 0.4945% | 2,148 |
| Net interest margin | 3.7012% | 2,694 |
| Noninterest income to average assets | 0.3660% | 4,139 |
| Noninterest expense to average assets | 2.7434% | 3,228 |
| Loan and lease loss provision to assets | 0.1729% | 1,277 |
| Net operating income to assets | 0.6662% | 3,973 |
| Return on assets (ROA) | 0.6662% | 4,113 |
| Pretax return on assets | 0.9019% | 3,947 |
| Return on Equity (ROE) | 7.1966% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.6704% | 1,776 |
| Net charge-offs to loans | 0.0465% | 2,550 |
| Credit loss provision to net charge-offs | 469.0476% | 691 |
| Earnings coverage of net charge-offs (x) | 29.1548% | 1,407 |
| Efficiency ratio | 71.8506% | 2,681 |
| Assets per employee ($millions) | 4.8103% | 2,544 |
| Cash dividends to net income (ytd only)* | 7.3123% | 3,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3472% | 2,543 |
| Loan loss allowance to noncurrent loans | 54.9118% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 2.1148% | 754 |
| Noncurrent loans to loans | 2.4533% | 727 |
| Net loans and leases to total assets | 79.5109% | 986 |
| Net loans and leases to deposits | 88.3496% | 1,945 |
| Net loans and leases to core deposits | 108.9479% | 983 |
| Total domestic deposits to total assets | 89.9958% | 488 |
| Equity capital to assets | 9.3043% | 4,967 |
| Core capital (leverage) ratio | 9.3661% | 4,381 |
| Tier 1 risk-based capital ratio | 9.9642% | 5,871 |
| Total risk-based capital ratio | 11.1433% | 5,836 |
| Memoranda: |
| Average total assets | $455,718,670 | 1,503 |
| Average earning assets | $425,046,670 | 1,492 |
| Average equity | $42,186,330 | 1,758 |
| Average total loans | $361,153,330 | 1,299 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2316% | 2,363 |
| Cost of funding earning assets | 0.4809% | 2,267 |
| Net interest margin | 3.7507% | 2,476 |
| Noninterest income to average assets | 0.3137% | 4,487 |
| Noninterest expense to average assets | 2.7295% | 3,314 |
| Loan and lease loss provision to assets | 0.1688% | 1,219 |
| Net operating income to assets | 0.6636% | 3,911 |
| Return on assets (ROA) | 0.6636% | 4,035 |
| Pretax return on assets | 0.9092% | 3,807 |
| Return on Equity (ROE) | 7.1872% | 3,350 |
| Retained earnings to average equity (ytd only) | 6.1249% | 2,318 |
| Net charge-offs to loans | 0.1147% | 1,430 |
| Credit loss provision to net charge-offs | 187.2549% | 1,127 |
| Earnings coverage of net charge-offs (x) | 11.9608% | 1,827 |
| Efficiency ratio | 71.6872% | 2,844 |
| Assets per employee ($millions) | 4.8443% | 2,520 |
| Cash dividends to net income (ytd only)* | 14.7803% | 2,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3470% | 2,671 |
| Loan loss allowance to noncurrent loans | 52.2113% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 760 |
| Noncurrent loans to loans | 2.5799% | 713 |
| Net loans and leases to total assets | 77.9155% | 1,115 |
| Net loans and leases to deposits | 86.6205% | 1,998 |
| Net loans and leases to core deposits | 107.1413% | 1,010 |
| Total domestic deposits to total assets | 89.9504% | 620 |
| Equity capital to assets | 9.3618% | 4,823 |
| Core capital (leverage) ratio | 9.3798% | 4,383 |
| Tier 1 risk-based capital ratio | 10.1845% | 5,867 |
| Total risk-based capital ratio | 11.3579% | 5,821 |
| Memoranda: |
| Average total assets | $452,684,000 | 1,513 |
| Average earning assets | $421,683,000 | 1,503 |
| Average equity | $41,796,500 | 1,769 |
| Average total loans | $355,637,000 | 1,309 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3183% | 2,162 |
| Cost of funding earning assets | 0.4935% | 2,216 |
| Net interest margin | 3.8248% | 2,287 |
| Noninterest income to average assets | 0.3226% | 4,591 |
| Noninterest expense to average assets | 2.8377% | 3,081 |
| Loan and lease loss provision to assets | 0.1340% | 1,779 |
| Net operating income to assets | 0.6193% | 4,185 |
| Return on assets (ROA) | 0.6193% | 4,280 |
| Pretax return on assets | 0.8873% | 3,896 |
| Return on Equity (ROE) | 6.5471% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.9953% | 1,789 |
| Net charge-offs to loans | 0.1437% | 1,916 |
| Credit loss provision to net charge-offs | 120.2532% | 2,143 |
| Earnings coverage of net charge-offs (x) | 9.1646% | 2,854 |
| Efficiency ratio | 73.5348% | 2,651 |
| Assets per employee ($millions) | 5.1106% | 2,228 |
| Cash dividends to net income (ytd only)* | 8.4282% | 4,114 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3234% | 2,780 |
| Loan loss allowance to noncurrent loans | 81.5393% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.7558% | 1,086 |
| Noncurrent loans to loans | 1.6230% | 1,411 |
| Net loans and leases to total assets | 77.1141% | 1,234 |
| Net loans and leases to deposits | 85.4681% | 2,191 |
| Net loans and leases to core deposits | 104.4891% | 1,196 |
| Total domestic deposits to total assets | 90.2257% | 532 |
| Equity capital to assets | 9.1055% | 5,015 |
| Core capital (leverage) ratio | 9.2905% | 4,491 |
| Tier 1 risk-based capital ratio | 9.9995% | 5,952 |
| Total risk-based capital ratio | 11.1504% | 5,935 |
| Memoranda: |
| Average total assets | $425,346,000 | 1,564 |
| Average earning assets | $393,277,800 | 1,552 |
| Average equity | $40,231,400 | 1,788 |
| Average total loans | $329,869,400 | 1,356 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3383% | 2,113 |
| Cost of funding earning assets | 0.4957% | 2,254 |
| Net interest margin | 3.8426% | 2,224 |
| Noninterest income to average assets | 0.2829% | 4,922 |
| Noninterest expense to average assets | 2.9274% | 2,753 |
| Loan and lease loss provision to assets | 0.1308% | 1,717 |
| Net operating income to assets | 0.5212% | 4,720 |
| Return on assets (ROA) | 0.5212% | 4,806 |
| Pretax return on assets | 0.7729% | 4,412 |
| Return on Equity (ROE) | 5.4554% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.7142% | 3,114 |
| Net charge-offs to loans | 0.1088% | 2,040 |
| Credit loss provision to net charge-offs | 155.3030% | 1,637 |
| Earnings coverage of net charge-offs (x) | 10.7311% | 2,571 |
| Efficiency ratio | 76.4113% | 2,178 |
| Assets per employee ($millions) | 4.6425% | 2,780 |
| Cash dividends to net income (ytd only)* | 13.5862% | 3,464 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3786% | 2,704 |
| Loan loss allowance to noncurrent loans | 73.7397% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 2.0140% | 1,012 |
| Noncurrent loans to loans | 1.8696% | 1,242 |
| Net loans and leases to total assets | 76.3069% | 1,348 |
| Net loans and leases to deposits | 84.6312% | 2,326 |
| Net loans and leases to core deposits | 106.1091% | 1,090 |
| Total domestic deposits to total assets | 90.1641% | 510 |
| Equity capital to assets | 9.1101% | 5,204 |
| Core capital (leverage) ratio | 9.0993% | 4,883 |
| Tier 1 risk-based capital ratio | 9.9678% | 6,049 |
| Total risk-based capital ratio | 11.1505% | 6,032 |
| Memoranda: |
| Average total assets | $417,971,500 | 1,592 |
| Average earning assets | $385,948,500 | 1,592 |
| Average equity | $39,935,250 | 1,818 |
| Average total loans | $323,473,500 | 1,385 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2914% | 2,192 |
| Cost of funding earning assets | 0.4983% | 2,268 |
| Net interest margin | 3.7931% | 2,346 |
| Noninterest income to average assets | 0.2461% | 5,193 |
| Noninterest expense to average assets | 2.9731% | 2,638 |
| Loan and lease loss provision to assets | -0.0122% | 5,965 |
| Net operating income to assets | 0.5260% | 4,663 |
| Return on assets (ROA) | 0.5260% | 4,763 |
| Pretax return on assets | 0.7790% | 4,388 |
| Return on Equity (ROE) | 5.4138% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.8548% | 2,951 |
| Net charge-offs to loans | 0.1593% | 1,523 |
| Credit loss provision to net charge-offs | -9.9206% | 4,692 |
| Earnings coverage of net charge-offs (x) | 6.2183% | 2,811 |
| Efficiency ratio | 79.4976% | 1,838 |
| Assets per employee ($millions) | 4.3545% | 3,203 |
| Cash dividends to net income (ytd only)* | 10.3256% | 3,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2771% | 3,361 |
| Loan loss allowance to noncurrent loans | 208.6224% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1748% | 2,160 |
| Noncurrent loans to loans | 0.6122% | 3,636 |
| Net loans and leases to total assets | 79.2600% | 902 |
| Net loans and leases to deposits | 88.2401% | 1,801 |
| Net loans and leases to core deposits | 103.6862% | 1,208 |
| Total domestic deposits to total assets | 89.8231% | 739 |
| Equity capital to assets | 9.4972% | 4,655 |
| Core capital (leverage) ratio | 9.5650% | 4,186 |
| Tier 1 risk-based capital ratio | 10.0223% | 6,081 |
| Total risk-based capital ratio | 11.1191% | 6,076 |
| Memoranda: |
| Average total assets | $408,734,330 | 1,635 |
| Average earning assets | $376,470,330 | 1,640 |
| Average equity | $39,713,000 | 1,838 |
| Average total loans | $316,351,000 | 1,411 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2693% | 2,194 |
| Cost of funding earning assets | 0.4986% | 2,294 |
| Net interest margin | 3.7706% | 2,351 |
| Noninterest income to average assets | 0.2389% | 5,260 |
| Noninterest expense to average assets | 2.9260% | 2,815 |
| Loan and lease loss provision to assets | -0.0448% | 6,145 |
| Net operating income to assets | 0.5573% | 4,452 |
| Return on assets (ROA) | 0.5573% | 4,564 |
| Pretax return on assets | 0.8271% | 4,142 |
| Return on Equity (ROE) | 5.6692% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.5455% | 3,298 |
| Net charge-offs to loans | 0.1390% | 1,413 |
| Credit loss provision to net charge-offs | -42.4528% | 4,386 |
| Earnings coverage of net charge-offs (x) | 7.4151% | 2,172 |
| Efficiency ratio | 78.9050% | 2,057 |
| Assets per employee ($millions) | 4.3093% | 3,353 |
| Cash dividends to net income (ytd only)* | 19.8214% | 2,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4482% | 2,687 |
| Loan loss allowance to noncurrent loans | 182.2159% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3788% | 1,918 |
| Noncurrent loans to loans | 0.7948% | 3,259 |
| Net loans and leases to total assets | 73.3172% | 1,594 |
| Net loans and leases to deposits | 81.8034% | 2,361 |
| Net loans and leases to core deposits | 94.3239% | 1,740 |
| Total domestic deposits to total assets | 89.6260% | 938 |
| Equity capital to assets | 9.6186% | 4,613 |
| Core capital (leverage) ratio | 9.7571% | 3,942 |
| Tier 1 risk-based capital ratio | 10.8587% | 5,873 |
| Total risk-based capital ratio | 12.0930% | 5,806 |
| Memoranda: |
| Average total assets | $401,908,000 | 1,667 |
| Average earning assets | $369,804,500 | 1,672 |
| Average equity | $39,512,000 | 1,856 |
| Average total loans | $304,969,000 | 1,455 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6493% | 1,424 |
| Cost of funding earning assets | 0.5229% | 2,464 |
| Net interest margin | 4.1264% | 1,498 |
| Noninterest income to average assets | 0.2023% | 5,651 |
| Noninterest expense to average assets | 3.2416% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7062% | 3,857 |
| Return on assets (ROA) | 0.7062% | 3,975 |
| Pretax return on assets | 0.7887% | 4,300 |
| Return on Equity (ROE) | 7.1752% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.5406% | 1,621 |
| Net charge-offs to loans | 0.4641% | 904 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.3261% | 4,187 |
| Efficiency ratio | 80.4314% | 1,859 |
| Assets per employee ($millions) | 4.1066% | 3,710 |
| Cash dividends to net income (ytd only)* | 8.8446% | 4,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5249% | 2,362 |
| Loan loss allowance to noncurrent loans | 160.8377% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5721% | 1,723 |
| Noncurrent loans to loans | 0.9481% | 2,957 |
| Net loans and leases to total assets | 76.2746% | 1,222 |
| Net loans and leases to deposits | 85.4410% | 2,046 |
| Net loans and leases to core deposits | 98.9627% | 1,468 |
| Total domestic deposits to total assets | 89.2717% | 1,083 |
| Equity capital to assets | 10.0565% | 4,037 |
| Core capital (leverage) ratio | 9.9930% | 3,582 |
| Tier 1 risk-based capital ratio | 11.4818% | 5,674 |
| Total risk-based capital ratio | 12.7331% | 5,592 |
| Memoranda: |
| Average total assets | $355,413,400 | 1,835 |
| Average earning assets | $329,703,400 | 1,823 |
| Average equity | $34,981,400 | 1,998 |
| Average total loans | $259,622,200 | 1,632 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7240% | 1,256 |
| Cost of funding earning assets | 0.5289% | 2,477 |
| Net interest margin | 4.1951% | 1,305 |
| Noninterest income to average assets | 0.3372% | 4,741 |
| Noninterest expense to average assets | 3.3427% | 1,804 |
| Loan and lease loss provision to assets | -0.2173% | 6,403 |
| Net operating income to assets | 0.7306% | 3,784 |
| Return on assets (ROA) | 0.7306% | 3,887 |
| Pretax return on assets | 1.1159% | 3,129 |
| Return on Equity (ROE) | 7.4687% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.0324% | 1,807 |
| Net charge-offs to loans | 0.5724% | 652 |
| Credit loss provision to net charge-offs | -52.8531% | 5,351 |
| Earnings coverage of net charge-offs (x) | 2.1862% | 3,973 |
| Efficiency ratio | 78.8123% | 2,074 |
| Assets per employee ($millions) | 3.9951% | 3,893 |
| Cash dividends to net income (ytd only)* | 5.8423% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4557% | 2,920 |
| Loan loss allowance to noncurrent loans | 122.4077% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 2.0881% | 1,345 |
| Noncurrent loans to loans | 1.1893% | 2,674 |
| Net loans and leases to total assets | 74.5356% | 1,436 |
| Net loans and leases to deposits | 83.8066% | 2,184 |
| Net loans and leases to core deposits | 97.0763% | 1,585 |
| Total domestic deposits to total assets | 88.9376% | 1,275 |
| Equity capital to assets | 10.2032% | 3,927 |
| Core capital (leverage) ratio | 9.9616% | 3,735 |
| Tier 1 risk-based capital ratio | 12.1274% | 5,408 |
| Total risk-based capital ratio | 13.3782% | 5,327 |
| Memoranda: |
| Average total assets | $346,735,000 | 1,885 |
| Average earning assets | $322,682,500 | 1,870 |
| Average equity | $33,918,500 | 2,055 |
| Average total loans | $248,983,750 | 1,705 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8007% | 1,065 |
| Cost of funding earning assets | 0.5430% | 2,406 |
| Net interest margin | 4.2577% | 1,121 |
| Noninterest income to average assets | 0.3032% | 4,982 |
| Noninterest expense to average assets | 3.4783% | 1,518 |
| Loan and lease loss provision to assets | -0.3032% | 6,530 |
| Net operating income to assets | 0.7225% | 3,717 |
| Return on assets (ROA) | 0.7225% | 3,813 |
| Pretax return on assets | 1.0840% | 3,165 |
| Return on Equity (ROE) | 7.5070% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.8201% | 1,855 |
| Net charge-offs to loans | 0.8955% | 403 |
| Credit loss provision to net charge-offs | -48.1096% | 5,160 |
| Earnings coverage of net charge-offs (x) | 1.2391% | 3,862 |
| Efficiency ratio | 81.6669% | 1,783 |
| Assets per employee ($millions) | 3.9867% | 3,867 |
| Cash dividends to net income (ytd only)* | 9.1509% | 3,482 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5209% | 2,801 |
| Loan loss allowance to noncurrent loans | 252.4376% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5396% | 2,116 |
| Noncurrent loans to loans | 0.6025% | 4,219 |
| Net loans and leases to total assets | 68.9640% | 2,243 |
| Net loans and leases to deposits | 76.9892% | 2,934 |
| Net loans and leases to core deposits | 88.2002% | 2,293 |
| Total domestic deposits to total assets | 89.5762% | 1,034 |
| Equity capital to assets | 9.5478% | 4,686 |
| Core capital (leverage) ratio | 9.8605% | 3,801 |
| Tier 1 risk-based capital ratio | 11.8876% | 5,603 |
| Total risk-based capital ratio | 13.1387% | 5,524 |
| Memoranda: |
| Average total assets | $335,801,000 | 1,944 |
| Average earning assets | $311,997,000 | 1,929 |
| Average equity | $32,316,330 | 2,146 |
| Average total loans | $236,288,670 | 1,782 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1581% | 525 |
| Cost of funding earning assets | 0.6080% | 1,912 |
| Net interest margin | 4.5501% | 604 |
| Noninterest income to average assets | 0.0263% | 6,549 |
| Noninterest expense to average assets | 3.7652% | 1,035 |
| Loan and lease loss provision to assets | -0.4600% | 6,655 |
| Net operating income to assets | 0.6650% | 3,869 |
| Return on assets (ROA) | 0.6650% | 3,959 |
| Pretax return on assets | 0.9305% | 3,589 |
| Return on Equity (ROE) | 6.8744% | 3,543 |
| Retained earnings to average equity (ytd only) | 5.3664% | 2,877 |
| Net charge-offs to loans | 2.2938% | 107 |
| Credit loss provision to net charge-offs | -28.4091% | 4,711 |
| Earnings coverage of net charge-offs (x) | 0.2906% | 3,379 |
| Efficiency ratio | 88.8923% | 1,140 |
| Assets per employee ($millions) | 4.0346% | 3,868 |
| Cash dividends to net income (ytd only)* | 21.9368% | 2,487 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5527% | 2,911 |
| Loan loss allowance to noncurrent loans | 134.5738% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 2.6045% | 1,198 |
| Noncurrent loans to loans | 1.1538% | 3,123 |
| Net loans and leases to total assets | 68.5481% | 2,134 |
| Net loans and leases to deposits | 76.4396% | 2,763 |
| Net loans and leases to core deposits | 87.5528% | 2,143 |
| Total domestic deposits to total assets | 89.6762% | 1,256 |
| Equity capital to assets | 9.5075% | 4,489 |
| Core capital (leverage) ratio | 9.6449% | 4,070 |
| Tier 1 risk-based capital ratio | 11.8055% | 5,760 |
| Total risk-based capital ratio | 13.0567% | 5,691 |
| Memoranda: |
| Average total assets | $304,368,500 | 2,151 |
| Average earning assets | $281,578,000 | 2,135 |
| Average equity | $29,442,500 | 2,304 |
| Average total loans | $214,842,000 | 1,936 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1314% | 3,617 |
| Cost of funding earning assets | 0.3938% | 4,722 |
| Net interest margin | 3.7376% | 2,907 |
| Noninterest income to average assets | 0.2187% | 5,770 |
| Noninterest expense to average assets | 2.6804% | 4,163 |
| Loan and lease loss provision to assets | 0.1680% | 2,178 |
| Net operating income to assets | 0.7656% | 3,467 |
| Return on assets (ROA) | 0.7656% | 3,561 |
| Pretax return on assets | 0.8439% | 3,984 |
| Return on Equity (ROE) | 7.8683% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.8179% | 1,520 |
| Net charge-offs to loans | 0.4320% | 1,540 |
| Credit loss provision to net charge-offs | 52.2923% | 3,762 |
| Earnings coverage of net charge-offs (x) | 3.1490% | 3,946 |
| Efficiency ratio | 72.5935% | 3,370 |
| Assets per employee ($millions) | 4.7257% | 2,547 |
| Cash dividends to net income (ytd only)* | 13.3494% | 3,931 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7050% | 2,387 |
| Loan loss allowance to noncurrent loans | 112.0870% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.7945% | 2,059 |
| Noncurrent loans to loans | 1.5211% | 2,614 |
| Net loans and leases to total assets | 71.0761% | 1,825 |
| Net loans and leases to deposits | 80.2520% | 2,422 |
| Net loans and leases to core deposits | 99.9657% | 1,164 |
| Total domestic deposits to total assets | 88.5662% | 1,880 |
| Equity capital to assets | 9.9719% | 3,810 |
| Core capital (leverage) ratio | 9.8492% | 3,775 |
| Tier 1 risk-based capital ratio | 12.1879% | 5,504 |
| Total risk-based capital ratio | 13.4415% | 5,430 |
| Memoranda: |
| Average total assets | $217,207,400 | 2,836 |
| Average earning assets | $201,868,800 | 2,807 |
| Average equity | $21,135,400 | 3,019 |
| Average total loans | $161,580,600 | 2,403 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1131% | 3,705 |
| Cost of funding earning assets | 0.4110% | 4,712 |
| Net interest margin | 3.7021% | 3,023 |
| Noninterest income to average assets | 0.3082% | 5,236 |
| Noninterest expense to average assets | 2.4921% | 4,749 |
| Loan and lease loss provision to assets | 0.0737% | 3,585 |
| Net operating income to assets | 0.7945% | 3,378 |
| Return on assets (ROA) | 0.7945% | 3,508 |
| Pretax return on assets | 1.1819% | 2,776 |
| Return on Equity (ROE) | 8.2157% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.5109% | 1,634 |
| Net charge-offs to loans | 0.1738% | 2,835 |
| Credit loss provision to net charge-offs | 56.6038% | 3,364 |
| Earnings coverage of net charge-offs (x) | 9.6462% | 2,456 |
| Efficiency ratio | 66.4974% | 4,398 |
| Assets per employee ($millions) | 5.0041% | 2,162 |
| Cash dividends to net income (ytd only)* | 8.5783% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8533% | 2,133 |
| Loan loss allowance to noncurrent loans | 37.3291% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 4.5120% | 672 |
| Noncurrent loans to loans | 4.9648% | 606 |
| Net loans and leases to total assets | 73.6004% | 1,348 |
| Net loans and leases to deposits | 83.3252% | 1,959 |
| Net loans and leases to core deposits | 105.4480% | 787 |
| Total domestic deposits to total assets | 88.3292% | 1,927 |
| Equity capital to assets | 10.2196% | 3,614 |
| Core capital (leverage) ratio | 10.2852% | 3,265 |
| Tier 1 risk-based capital ratio | 12.2133% | 5,635 |
| Total risk-based capital ratio | 13.4685% | 5,561 |
| Memoranda: |
| Average total assets | $217,164,000 | 2,865 |
| Average earning assets | $201,754,500 | 2,827 |
| Average equity | $21,000,000 | 3,075 |
| Average total loans | $162,679,250 | 2,399 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0877% | 3,787 |
| Cost of funding earning assets | 0.4334% | 4,623 |
| Net interest margin | 3.6543% | 3,160 |
| Noninterest income to average assets | 0.2916% | 5,370 |
| Noninterest expense to average assets | 2.4793% | 4,808 |
| Loan and lease loss provision to assets | 0.0866% | 3,348 |
| Net operating income to assets | 0.7864% | 3,371 |
| Return on assets (ROA) | 0.7864% | 3,532 |
| Pretax return on assets | 1.1217% | 3,010 |
| Return on Equity (ROE) | 8.2820% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.2168% | 1,782 |
| Net charge-offs to loans | 0.2580% | 2,177 |
| Credit loss provision to net charge-offs | 44.8113% | 3,328 |
| Earnings coverage of net charge-offs (x) | 6.2547% | 2,749 |
| Efficiency ratio | 67.2350% | 4,319 |
| Assets per employee ($millions) | 5.5617% | 1,529 |
| Cash dividends to net income (ytd only)* | 12.8621% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7333% | 2,654 |
| Loan loss allowance to noncurrent loans | 39.6170% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 4.2438% | 795 |
| Noncurrent loans to loans | 4.3753% | 819 |
| Net loans and leases to total assets | 77.6838% | 784 |
| Net loans and leases to deposits | 87.6468% | 1,384 |
| Net loans and leases to core deposits | 98.0671% | 1,211 |
| Total domestic deposits to total assets | 88.6328% | 1,821 |
| Equity capital to assets | 9.9463% | 3,978 |
| Core capital (leverage) ratio | 9.7474% | 3,867 |
| Tier 1 risk-based capital ratio | 11.5355% | 6,088 |
| Total risk-based capital ratio | 12.7896% | 6,050 |
| Memoranda: |
| Average total assets | $219,494,000 | 2,846 |
| Average earning assets | $203,980,000 | 2,824 |
| Average equity | $20,840,330 | 3,107 |
| Average total loans | $164,369,000 | 2,378 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0130% | 4,063 |
| Cost of funding earning assets | 0.4547% | 4,543 |
| Net interest margin | 3.5583% | 3,438 |
| Noninterest income to average assets | 0.3024% | 5,279 |
| Noninterest expense to average assets | 2.3313% | 5,335 |
| Loan and lease loss provision to assets | 0.1700% | 2,160 |
| Net operating income to assets | 0.8606% | 2,863 |
| Return on assets (ROA) | 0.8606% | 2,992 |
| Pretax return on assets | 1.1057% | 2,935 |
| Return on Equity (ROE) | 9.2723% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.1325% | 2,096 |
| Net charge-offs to loans | 0.9251% | 659 |
| Credit loss provision to net charge-offs | 25.1989% | 2,961 |
| Earnings coverage of net charge-offs (x) | 1.8912% | 3,205 |
| Efficiency ratio | 64.6329% | 4,900 |
| Assets per employee ($millions) | 5.9359% | 1,302 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7206% | 2,924 |
| Loan loss allowance to noncurrent loans | 35.1344% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 4.0224% | 987 |
| Noncurrent loans to loans | 4.8972% | 788 |
| Net loans and leases to total assets | 69.1572% | 1,811 |
| Net loans and leases to deposits | 77.5691% | 2,409 |
| Net loans and leases to core deposits | 87.2927% | 1,981 |
| Total domestic deposits to total assets | 89.1556% | 1,593 |
| Equity capital to assets | 9.2790% | 5,161 |
| Core capital (leverage) ratio | 9.4082% | 4,225 |
| Tier 1 risk-based capital ratio | 12.2661% | 5,744 |
| Total risk-based capital ratio | 13.5206% | 5,695 |
| Memoranda: |
| Average total assets | $223,569,000 | 2,838 |
| Average earning assets | $207,625,500 | 2,814 |
| Average equity | $20,750,000 | 3,168 |
| Average total loans | $163,015,500 | 2,403 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0191% | 5,244 |
| Cost of funding earning assets | 0.6134% | 4,227 |
| Net interest margin | 3.4057% | 4,863 |
| Noninterest income to average assets | 0.0216% | 6,775 |
| Noninterest expense to average assets | 2.2861% | 5,729 |
| Loan and lease loss provision to assets | 1.3436% | 256 |
| Net operating income to assets | -0.2680% | 6,417 |
| Return on assets (ROA) | -0.2420% | 6,463 |
| Pretax return on assets | -0.3954% | 6,524 |
| Return on Equity (ROE) | -2.5718% | 6,482 |
| Retained earnings to average equity (ytd only) | -3.6118% | 6,320 |
| Net charge-offs to loans | 1.7284% | 477 |
| Credit loss provision to net charge-offs | 106.8724% | 2,774 |
| Earnings coverage of net charge-offs (x) | 0.7219% | 5,121 |
| Efficiency ratio | 71.5804% | 3,506 |
| Assets per employee ($millions) | 5.6814% | 1,533 |
| Cash dividends to net income (ytd only)* | -40.4372% | 7,045 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8009% | 2,579 |
| Loan loss allowance to noncurrent loans | 32.0089% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 4.3999% | 949 |
| Noncurrent loans to loans | 5.6262% | 647 |
| Net loans and leases to total assets | 74.1483% | 1,174 |
| Net loans and leases to deposits | 83.1292% | 1,868 |
| Net loans and leases to core deposits | 94.5077% | 1,425 |
| Total domestic deposits to total assets | 89.1964% | 1,435 |
| Equity capital to assets | 9.2835% | 5,175 |
| Core capital (leverage) ratio | 9.1906% | 4,596 |
| Tier 1 risk-based capital ratio | 11.5273% | 6,082 |
| Total risk-based capital ratio | 12.7829% | 6,045 |
| Memoranda: |
| Average total assets | $226,854,000 | 2,767 |
| Average earning assets | $211,292,400 | 2,719 |
| Average equity | $21,346,600 | 3,062 |
| Average total loans | $165,006,400 | 2,361 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9687% | 5,607 |
| Cost of funding earning assets | 0.6425% | 4,257 |
| Net interest margin | 3.3262% | 5,292 |
| Noninterest income to average assets | -0.0952% | 7,024 |
| Noninterest expense to average assets | 2.2485% | 5,820 |
| Loan and lease loss provision to assets | 0.1297% | 3,932 |
| Net operating income to assets | 0.2691% | 5,721 |
| Return on assets (ROA) | 0.2957% | 5,828 |
| Pretax return on assets | 0.6685% | 4,959 |
| Return on Equity (ROE) | 3.1320% | 5,636 |
| Retained earnings to average equity (ytd only) | 1.7579% | 5,449 |
| Net charge-offs to loans | 0.1249% | 4,126 |
| Credit loss provision to net charge-offs | 144.1558% | 1,986 |
| Earnings coverage of net charge-offs (x) | 8.4090% | 2,449 |
| Efficiency ratio | 74.8201% | 2,855 |
| Assets per employee ($millions) | 6.0716% | 1,210 |
| Cash dividends to net income (ytd only)* | 43.8731% | 1,986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6417% | 3,367 |
| Loan loss allowance to noncurrent loans | 49.6558% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.4707% | 1,446 |
| Noncurrent loans to loans | 3.3062% | 1,663 |
| Net loans and leases to total assets | 76.9400% | 853 |
| Net loans and leases to deposits | 86.6908% | 1,519 |
| Net loans and leases to core deposits | 98.8352% | 1,202 |
| Total domestic deposits to total assets | 88.7522% | 1,564 |
| Equity capital to assets | 9.6359% | 5,014 |
| Core capital (leverage) ratio | 9.7399% | 3,886 |
| Tier 1 risk-based capital ratio | 11.7079% | 6,106 |
| Total risk-based capital ratio | 12.9621% | 6,090 |
| Memoranda: |
| Average total assets | $228,173,750 | 2,769 |
| Average earning assets | $212,693,000 | 2,725 |
| Average equity | $21,540,750 | 3,054 |
| Average total loans | $164,431,250 | 2,396 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8170% | 6,104 |
| Cost of funding earning assets | 0.6663% | 4,309 |
| Net interest margin | 3.1507% | 5,865 |
| Noninterest income to average assets | 0.2677% | 5,659 |
| Noninterest expense to average assets | 2.2481% | 5,878 |
| Loan and lease loss provision to assets | 0.1596% | 3,523 |
| Net operating income to assets | 0.4075% | 5,186 |
| Return on assets (ROA) | 0.4282% | 5,347 |
| Pretax return on assets | 0.8284% | 4,365 |
| Return on Equity (ROE) | 4.5663% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.5340% | 4,245 |
| Net charge-offs to loans | -0.0062% | 6,205 |
| Credit loss provision to net charge-offs | -3,660.0000% | 6,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1688% | 3,742 |
| Assets per employee ($millions) | 6.1575% | 1,133 |
| Cash dividends to net income (ytd only)* | 22.6069% | 2,887 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8736% | 2,634 |
| Loan loss allowance to noncurrent loans | 53.3748% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 3.5327% | 1,508 |
| Noncurrent loans to loans | 3.5102% | 1,633 |
| Net loans and leases to total assets | 70.9991% | 1,736 |
| Net loans and leases to deposits | 79.9235% | 2,394 |
| Net loans and leases to core deposits | 91.1367% | 1,857 |
| Total domestic deposits to total assets | 88.8338% | 1,616 |
| Equity capital to assets | 9.7934% | 4,639 |
| Core capital (leverage) ratio | 9.3134% | 4,433 |
| Tier 1 risk-based capital ratio | 12.7258% | 5,400 |
| Total risk-based capital ratio | 13.9824% | 5,361 |
| Memoranda: |
| Average total assets | $229,348,670 | 2,765 |
| Average earning assets | $213,729,670 | 2,718 |
| Average equity | $21,505,330 | 3,043 |
| Average total loans | $160,665,000 | 2,457 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7271% | 6,394 |
| Cost of funding earning assets | 0.6807% | 4,456 |
| Net interest margin | 3.0464% | 6,193 |
| Noninterest income to average assets | 0.3036% | 5,448 |
| Noninterest expense to average assets | 2.2385% | 5,947 |
| Loan and lease loss provision to assets | 0.1715% | 3,254 |
| Net operating income to assets | 0.3842% | 5,327 |
| Return on assets (ROA) | 0.3842% | 5,507 |
| Pretax return on assets | 0.7342% | 4,675 |
| Return on Equity (ROE) | 4.1862% | 5,207 |
| Retained earnings to average equity (ytd only) | 2.1118% | 5,214 |
| Net charge-offs to loans | -0.0124% | 6,014 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1948% | 3,588 |
| Assets per employee ($millions) | 6.4922% | 983 |
| Cash dividends to net income (ytd only)* | 49.5536% | 1,485 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8048% | 2,980 |
| Loan loss allowance to noncurrent loans | 89.1941% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 2.4564% | 2,408 |
| Noncurrent loans to loans | 2.0234% | 3,121 |
| Net loans and leases to total assets | 64.4435% | 2,774 |
| Net loans and leases to deposits | 71.6138% | 3,492 |
| Net loans and leases to core deposits | 80.5872% | 2,997 |
| Total domestic deposits to total assets | 89.9876% | 1,091 |
| Equity capital to assets | 8.6829% | 5,895 |
| Core capital (leverage) ratio | 9.2552% | 4,438 |
| Tier 1 risk-based capital ratio | 12.5783% | 5,540 |
| Total risk-based capital ratio | 13.8345% | 5,500 |
| Memoranda: |
| Average total assets | $233,188,500 | 2,739 |
| Average earning assets | $217,436,500 | 2,680 |
| Average equity | $21,403,500 | 3,058 |
| Average total loans | $160,803,500 | 2,470 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0172% | 6,421 |
| Cost of funding earning assets | 0.9162% | 3,995 |
| Net interest margin | 3.1011% | 6,345 |
| Noninterest income to average assets | 0.3365% | 5,123 |
| Noninterest expense to average assets | 2.2095% | 6,248 |
| Loan and lease loss provision to assets | 0.2133% | 4,057 |
| Net operating income to assets | 0.4542% | 4,619 |
| Return on assets (ROA) | 0.4886% | 4,678 |
| Pretax return on assets | 0.8432% | 3,808 |
| Return on Equity (ROE) | 5.1663% | 4,311 |
| Retained earnings to average equity (ytd only) | 4.1034% | 3,269 |
| Net charge-offs to loans | 0.0346% | 5,966 |
| Credit loss provision to net charge-offs | 856.3636% | 262 |
| Earnings coverage of net charge-offs (x) | 40.2545% | 671 |
| Efficiency ratio | 68.7861% | 4,193 |
| Assets per employee ($millions) | 5.7809% | 1,390 |
| Cash dividends to net income (ytd only)* | 20.5746% | 3,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7639% | 2,981 |
| Loan loss allowance to noncurrent loans | 84.6963% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 2.7814% | 2,181 |
| Noncurrent loans to loans | 2.0826% | 3,091 |
| Net loans and leases to total assets | 71.4167% | 1,744 |
| Net loans and leases to deposits | 80.3363% | 2,460 |
| Net loans and leases to core deposits | 92.8148% | 1,811 |
| Total domestic deposits to total assets | 88.8972% | 1,609 |
| Equity capital to assets | 9.7353% | 4,541 |
| Core capital (leverage) ratio | 9.5067% | 4,017 |
| Tier 1 risk-based capital ratio | 13.0395% | 5,034 |
| Total risk-based capital ratio | 14.2954% | 5,008 |
| Memoranda: |
| Average total assets | $220,816,200 | 2,828 |
| Average earning assets | $204,767,800 | 2,792 |
| Average equity | $20,885,200 | 3,020 |
| Average total loans | $159,089,200 | 2,510 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0296% | 6,545 |
| Cost of funding earning assets | 0.9685% | 3,903 |
| Net interest margin | 3.0611% | 6,470 |
| Noninterest income to average assets | 0.3039% | 5,434 |
| Noninterest expense to average assets | 2.2300% | 6,212 |
| Loan and lease loss provision to assets | 0.2328% | 3,684 |
| Net operating income to assets | 0.4436% | 4,808 |
| Return on assets (ROA) | 0.4903% | 4,770 |
| Pretax return on assets | 0.7508% | 4,307 |
| Return on Equity (ROE) | 5.2214% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.7957% | 4,031 |
| Net charge-offs to loans | 0.0478% | 5,511 |
| Credit loss provision to net charge-offs | 677.1930% | 404 |
| Earnings coverage of net charge-offs (x) | 26.5257% | 1,014 |
| Efficiency ratio | 70.9789% | 3,741 |
| Assets per employee ($millions) | 5.6971% | 1,426 |
| Cash dividends to net income (ytd only)* | 27.3061% | 2,611 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7113% | 3,234 |
| Loan loss allowance to noncurrent loans | 40.8989% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 4.3517% | 1,388 |
| Noncurrent loans to loans | 4.1843% | 1,571 |
| Net loans and leases to total assets | 70.5689% | 1,967 |
| Net loans and leases to deposits | 79.1794% | 2,778 |
| Net loans and leases to core deposits | 91.7649% | 2,026 |
| Total domestic deposits to total assets | 89.1254% | 1,354 |
| Equity capital to assets | 9.5033% | 5,076 |
| Core capital (leverage) ratio | 9.7470% | 3,780 |
| Tier 1 risk-based capital ratio | 13.0709% | 5,044 |
| Total risk-based capital ratio | 14.3265% | 5,012 |
| Memoranda: |
| Average total assets | $221,101,750 | 2,832 |
| Average earning assets | $204,978,500 | 2,801 |
| Average equity | $20,760,000 | 3,044 |
| Average total loans | $158,936,250 | 2,531 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0357% | 6,606 |
| Cost of funding earning assets | 1.0158% | 3,840 |
| Net interest margin | 3.0200% | 6,571 |
| Noninterest income to average assets | 0.3180% | 5,356 |
| Noninterest expense to average assets | 2.2216% | 6,327 |
| Loan and lease loss provision to assets | 0.2365% | 3,547 |
| Net operating income to assets | 0.4258% | 4,832 |
| Return on assets (ROA) | 0.4258% | 4,979 |
| Pretax return on assets | 0.6614% | 4,525 |
| Return on Equity (ROE) | 4.5539% | 4,667 |
| Retained earnings to average equity (ytd only) | 3.4784% | 4,037 |
| Net charge-offs to loans | 0.1600% | 4,217 |
| Credit loss provision to net charge-offs | 205.5118% | 1,468 |
| Earnings coverage of net charge-offs (x) | 7.8031% | 2,164 |
| Efficiency ratio | 71.2170% | 3,898 |
| Assets per employee ($millions) | 5.3783% | 1,678 |
| Cash dividends to net income (ytd only)* | 23.6170% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6139% | 3,642 |
| Loan loss allowance to noncurrent loans | 39.7460% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 4.4919% | 1,399 |
| Noncurrent loans to loans | 4.0604% | 1,704 |
| Net loans and leases to total assets | 73.6777% | 1,480 |
| Net loans and leases to deposits | 83.1233% | 2,251 |
| Net loans and leases to core deposits | 96.9006% | 1,595 |
| Total domestic deposits to total assets | 88.6367% | 1,758 |
| Equity capital to assets | 9.9631% | 4,206 |
| Core capital (leverage) ratio | 9.3449% | 4,184 |
| Tier 1 risk-based capital ratio | 12.8716% | 5,024 |
| Total risk-based capital ratio | 14.1256% | 4,993 |
| Memoranda: |
| Average total assets | $220,740,000 | 2,853 |
| Average earning assets | $204,771,000 | 2,818 |
| Average equity | $20,641,670 | 3,044 |
| Average total loans | $158,740,000 | 2,555 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9265% | 6,794 |
| Cost of funding earning assets | 1.0069% | 4,155 |
| Net interest margin | 2.9197% | 6,725 |
| Noninterest income to average assets | 0.3236% | 5,335 |
| Noninterest expense to average assets | 2.1641% | 6,503 |
| Loan and lease loss provision to assets | 0.2546% | 3,109 |
| Net operating income to assets | 0.3430% | 5,205 |
| Return on assets (ROA) | 0.3430% | 5,285 |
| Pretax return on assets | 0.6171% | 4,622 |
| Return on Equity (ROE) | 3.7829% | 5,008 |
| Retained earnings to average equity (ytd only) | 1.6184% | 5,142 |
| Net charge-offs to loans | 0.3309% | 2,731 |
| Credit loss provision to net charge-offs | 109.0909% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.7348% | 2,650 |
| Efficiency ratio | 71.2871% | 3,990 |
| Assets per employee ($millions) | 6.6948% | 849 |
| Cash dividends to net income (ytd only)* | 57.2165% | 1,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5425% | 3,997 |
| Loan loss allowance to noncurrent loans | 74.5213% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.7740% | 2,490 |
| Noncurrent loans to loans | 2.0699% | 3,486 |
| Net loans and leases to total assets | 65.7299% | 3,081 |
| Net loans and leases to deposits | 73.1307% | 3,895 |
| Net loans and leases to core deposits | 84.0484% | 3,153 |
| Total domestic deposits to total assets | 89.8800% | 1,227 |
| Equity capital to assets | 8.7795% | 5,526 |
| Core capital (leverage) ratio | 9.0943% | 4,459 |
| Tier 1 risk-based capital ratio | 12.6913% | 5,074 |
| Total risk-based capital ratio | 13.9442% | 5,045 |
| Memoranda: |
| Average total assets | $226,233,000 | 2,806 |
| Average earning assets | $210,160,000 | 2,784 |
| Average equity | $20,513,500 | 3,051 |
| Average total loans | $159,571,500 | 2,573 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2708% | 6,832 |
| Cost of funding earning assets | 1.0892% | 5,193 |
| Net interest margin | 3.1816% | 6,308 |
| Noninterest income to average assets | 0.2921% | 5,692 |
| Noninterest expense to average assets | 2.1883% | 6,652 |
| Loan and lease loss provision to assets | 0.1735% | 5,484 |
| Net operating income to assets | 0.6694% | 3,349 |
| Return on assets (ROA) | 0.6694% | 3,490 |
| Pretax return on assets | 0.9018% | 3,287 |
| Return on Equity (ROE) | 7.7620% | 2,793 |
| Retained earnings to average equity (ytd only) | 6.6619% | 1,472 |
| Net charge-offs to loans | 0.4230% | 3,928 |
| Credit loss provision to net charge-offs | 54.4077% | 6,188 |
| Earnings coverage of net charge-offs (x) | 3.3719% | 3,396 |
| Efficiency ratio | 67.0525% | 4,756 |
| Assets per employee ($millions) | 5.8959% | 1,287 |
| Cash dividends to net income (ytd only)* | 14.1732% | 3,634 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4756% | 4,148 |
| Loan loss allowance to noncurrent loans | 267.3719% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6145% | 3,895 |
| Noncurrent loans to loans | 0.5519% | 5,947 |
| Net loans and leases to total assets | 73.4877% | 1,772 |
| Net loans and leases to deposits | 82.2889% | 2,749 |
| Net loans and leases to core deposits | 96.3906% | 1,958 |
| Total domestic deposits to total assets | 89.3045% | 1,491 |
| Equity capital to assets | 9.3767% | 4,574 |
| Core capital (leverage) ratio | 9.0895% | 4,376 |
| Tier 1 risk-based capital ratio | 12.2358% | 5,271 |
| Total risk-based capital ratio | 13.4881% | 5,233 |
| Memoranda: |
| Average total assets | $227,668,400 | 2,784 |
| Average earning assets | $212,630,000 | 2,719 |
| Average equity | $19,634,000 | 3,198 |
| Average total loans | $171,640,000 | 2,447 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3278% | 6,929 |
| Cost of funding earning assets | 1.0968% | 5,438 |
| Net interest margin | 3.2310% | 6,247 |
| Noninterest income to average assets | 0.2938% | 5,778 |
| Noninterest expense to average assets | 2.1583% | 6,715 |
| Loan and lease loss provision to assets | 0.1971% | 5,067 |
| Net operating income to assets | 0.6717% | 3,537 |
| Return on assets (ROA) | 0.6717% | 3,699 |
| Pretax return on assets | 0.9586% | 3,336 |
| Return on Equity (ROE) | 7.9536% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.4713% | 2,105 |
| Net charge-offs to loans | 0.4103% | 3,651 |
| Credit loss provision to net charge-offs | 63.5514% | 5,606 |
| Earnings coverage of net charge-offs (x) | 3.7271% | 3,320 |
| Efficiency ratio | 65.1277% | 5,030 |
| Assets per employee ($millions) | 6.2156% | 1,110 |
| Cash dividends to net income (ytd only)* | 18.6366% | 3,027 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5671% | 3,674 |
| Loan loss allowance to noncurrent loans | 83.9788% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.6201% | 4,014 |
| Noncurrent loans to loans | 1.8661% | 3,846 |
| Net loans and leases to total assets | 69.2907% | 2,903 |
| Net loans and leases to deposits | 77.2045% | 3,977 |
| Net loans and leases to core deposits | 90.7803% | 2,987 |
| Total domestic deposits to total assets | 89.7495% | 999 |
| Equity capital to assets | 8.7704% | 5,901 |
| Core capital (leverage) ratio | 8.6249% | 5,306 |
| Tier 1 risk-based capital ratio | 12.3090% | 5,174 |
| Total risk-based capital ratio | 13.5629% | 5,144 |
| Memoranda: |
| Average total assets | $230,048,500 | 2,782 |
| Average earning assets | $215,036,250 | 2,725 |
| Average equity | $19,428,750 | 3,263 |
| Average total loans | $173,871,750 | 2,463 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4886% | 6,735 |
| Cost of funding earning assets | 1.0907% | 5,726 |
| Net interest margin | 3.3978% | 5,652 |
| Noninterest income to average assets | 0.2834% | 5,874 |
| Noninterest expense to average assets | 2.1463% | 6,776 |
| Loan and lease loss provision to assets | 0.2043% | 4,831 |
| Net operating income to assets | 0.6763% | 3,508 |
| Return on assets (ROA) | 0.6763% | 3,652 |
| Pretax return on assets | 1.1066% | 2,765 |
| Return on Equity (ROE) | 8.1119% | 2,844 |
| Retained earnings to average equity (ytd only) | 7.0171% | 1,823 |
| Net charge-offs to loans | 0.5139% | 2,990 |
| Credit loss provision to net charge-offs | 51.4223% | 5,387 |
| Earnings coverage of net charge-offs (x) | 3.2998% | 3,379 |
| Efficiency ratio | 62.0820% | 5,677 |
| Assets per employee ($millions) | 6.2832% | 1,058 |
| Cash dividends to net income (ytd only)* | 13.4961% | 3,081 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5176% | 3,829 |
| Loan loss allowance to noncurrent loans | 80.6037% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.6212% | 4,012 |
| Noncurrent loans to loans | 1.8828% | 3,888 |
| Net loans and leases to total assets | 70.0651% | 2,879 |
| Net loans and leases to deposits | 77.6798% | 4,046 |
| Net loans and leases to core deposits | 92.7988% | 2,875 |
| Total domestic deposits to total assets | 90.1974% | 818 |
| Equity capital to assets | 8.5410% | 6,115 |
| Core capital (leverage) ratio | 8.3285% | 5,707 |
| Tier 1 risk-based capital ratio | 11.9658% | 5,341 |
| Total risk-based capital ratio | 13.2189% | 5,305 |
| Memoranda: |
| Average total assets | $230,071,670 | 2,810 |
| Average earning assets | $214,902,330 | 2,746 |
| Average equity | $19,181,670 | 3,281 |
| Average total loans | $177,865,330 | 2,443 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6813% | 6,312 |
| Cost of funding earning assets | 1.0392% | 6,177 |
| Net interest margin | 3.6420% | 4,529 |
| Noninterest income to average assets | 0.2447% | 6,196 |
| Noninterest expense to average assets | 2.1200% | 6,886 |
| Loan and lease loss provision to assets | 0.1835% | 4,676 |
| Net operating income to assets | 0.7760% | 3,079 |
| Return on assets (ROA) | 0.7760% | 3,187 |
| Pretax return on assets | 1.3405% | 1,933 |
| Return on Equity (ROE) | 9.4245% | 2,331 |
| Retained earnings to average equity (ytd only) | 7.1957% | 2,049 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1775% | 6,465 |
| Assets per employee ($millions) | 6.2641% | 1,103 |
| Cash dividends to net income (ytd only)* | 23.6486% | 2,151 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5529% | 3,647 |
| Loan loss allowance to noncurrent loans | 74.3449% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 2.1589% | 3,320 |
| Noncurrent loans to loans | 2.0887% | 3,673 |
| Net loans and leases to total assets | 75.5591% | 1,631 |
| Net loans and leases to deposits | 82.7393% | 3,153 |
| Net loans and leases to core deposits | 105.4317% | 1,623 |
| Total domestic deposits to total assets | 91.3219% | 432 |
| Equity capital to assets | 7.9887% | 6,668 |
| Core capital (leverage) ratio | 8.6164% | 5,183 |
| Tier 1 risk-based capital ratio | 10.1931% | 6,890 |
| Total risk-based capital ratio | 11.4463% | 6,879 |
| Memoranda: |
| Average total assets | $228,868,500 | 2,886 |
| Average earning assets | $213,616,500 | 2,820 |
| Average equity | $18,844,500 | 3,338 |
| Average total loans | $184,100,000 | 2,437 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9271% | 6,647 |
| Cost of funding earning assets | 1.3456% | 6,162 |
| Net interest margin | 3.5815% | 4,614 |
| Noninterest income to average assets | 0.3967% | 5,227 |
| Noninterest expense to average assets | 2.3162% | 6,704 |
| Loan and lease loss provision to assets | 0.7220% | 2,951 |
| Net operating income to assets | 0.1731% | 4,987 |
| Return on assets (ROA) | 0.1731% | 5,058 |
| Pretax return on assets | 0.6888% | 3,608 |
| Return on Equity (ROE) | 2.0024% | 4,900 |
| Retained earnings to average equity (ytd only) | 0.8690% | 4,418 |
| Net charge-offs to loans | 0.2474% | 5,076 |
| Credit loss provision to net charge-offs | 331.2634% | 985 |
| Earnings coverage of net charge-offs (x) | 6.4732% | 2,357 |
| Efficiency ratio | 62.1463% | 6,128 |
| Assets per employee ($millions) | 5.6334% | 1,529 |
| Cash dividends to net income (ytd only)* | 56.6038% | 2,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4727% | 3,875 |
| Loan loss allowance to noncurrent loans | 60.2558% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.6659% | 2,632 |
| Noncurrent loans to loans | 2.4441% | 3,105 |
| Net loans and leases to total assets | 83.1918% | 523 |
| Net loans and leases to deposits | 93.7976% | 1,619 |
| Net loans and leases to core deposits | 163.7422% | 302 |
| Total domestic deposits to total assets | 88.6929% | 1,630 |
| Equity capital to assets | 8.4992% | 5,879 |
| Core capital (leverage) ratio | 8.5706% | 5,152 |
| Tier 1 risk-based capital ratio | 9.4318% | 7,265 |
| Total risk-based capital ratio | 10.6833% | 7,245 |
| Memoranda: |
| Average total assets | $214,270,600 | 3,023 |
| Average earning assets | $199,243,800 | 2,980 |
| Average equity | $18,527,400 | 3,418 |
| Average total loans | $188,764,200 | 2,422 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0006% | 6,599 |
| Cost of funding earning assets | 1.4163% | 6,165 |
| Net interest margin | 3.5844% | 4,539 |
| Noninterest income to average assets | 0.4177% | 5,150 |
| Noninterest expense to average assets | 2.3615% | 6,525 |
| Loan and lease loss provision to assets | 0.7183% | 2,583 |
| Net operating income to assets | 0.1647% | 5,270 |
| Return on assets (ROA) | 0.1647% | 5,333 |
| Pretax return on assets | 0.6726% | 3,952 |
| Return on Equity (ROE) | 1.8964% | 5,202 |
| Retained earnings to average equity (ytd only) | 0.3821% | 5,036 |
| Net charge-offs to loans | 0.0774% | 5,906 |
| Credit loss provision to net charge-offs | 1,042.7273% | 360 |
| Earnings coverage of net charge-offs (x) | 20.1913% | 1,251 |
| Efficiency ratio | 62.9339% | 5,941 |
| Assets per employee ($millions) | 5.6867% | 1,447 |
| Cash dividends to net income (ytd only)* | 79.8466% | 952 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4028% | 3,925 |
| Loan loss allowance to noncurrent loans | 70.5404% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.1102% | 3,198 |
| Noncurrent loans to loans | 1.9886% | 3,657 |
| Net loans and leases to total assets | 85.2196% | 415 |
| Net loans and leases to deposits | 99.6410% | 1,136 |
| Net loans and leases to core deposits | 172.3368% | 253 |
| Total domestic deposits to total assets | 85.5266% | 2,955 |
| Equity capital to assets | 8.3862% | 6,403 |
| Core capital (leverage) ratio | 8.5374% | 5,424 |
| Tier 1 risk-based capital ratio | 9.0987% | 7,582 |
| Total risk-based capital ratio | 10.3498% | 7,590 |
| Memoranda: |
| Average total assets | $212,912,750 | 3,054 |
| Average earning assets | $198,076,250 | 3,010 |
| Average equity | $18,491,000 | 3,455 |
| Average total loans | $189,578,750 | 2,433 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9786% | 6,841 |
| Cost of funding earning assets | 1.4900% | 6,184 |
| Net interest margin | 3.4886% | 4,850 |
| Noninterest income to average assets | 0.4391% | 4,938 |
| Noninterest expense to average assets | 2.4253% | 6,385 |
| Loan and lease loss provision to assets | 1.0307% | 1,646 |
| Net operating income to assets | -0.2239% | 6,223 |
| Return on assets (ROA) | -0.2239% | 6,245 |
| Pretax return on assets | 0.2372% | 5,364 |
| Return on Equity (ROE) | -2.5467% | 6,302 |
| Retained earnings to average equity (ytd only) | -3.6846% | 6,080 |
| Net charge-offs to loans | 0.0085% | 6,456 |
| Credit loss provision to net charge-offs | 13,525.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 166.3750% | 249 |
| Efficiency ratio | 65.6693% | 5,603 |
| Assets per employee ($millions) | 5.2082% | 1,850 |
| Cash dividends to net income (ytd only)* | -44.6809% | 7,999 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4000% | 3,722 |
| Loan loss allowance to noncurrent loans | 136.0959% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9380% | 5,098 |
| Noncurrent loans to loans | 1.0287% | 5,160 |
| Net loans and leases to total assets | 89.9076% | 137 |
| Net loans and leases to deposits | 111.6243% | 493 |
| Net loans and leases to core deposits | 200.3925% | 121 |
| Total domestic deposits to total assets | 80.5448% | 5,255 |
| Equity capital to assets | 8.5006% | 6,047 |
| Core capital (leverage) ratio | 8.5330% | 5,383 |
| Tier 1 risk-based capital ratio | 8.8638% | 7,763 |
| Total risk-based capital ratio | 10.1149% | 7,800 |
| Memoranda: |
| Average total assets | $209,957,000 | 3,103 |
| Average earning assets | $195,837,000 | 3,064 |
| Average equity | $18,455,000 | 3,474 |
| Average total loans | $188,875,330 | 2,468 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9264% | 7,109 |
| Cost of funding earning assets | 1.5299% | 6,311 |
| Net interest margin | 3.3966% | 5,153 |
| Noninterest income to average assets | 0.3881% | 5,313 |
| Noninterest expense to average assets | 2.3789% | 6,262 |
| Loan and lease loss provision to assets | 0.1825% | 4,619 |
| Net operating income to assets | 0.5745% | 4,123 |
| Return on assets (ROA) | 0.5745% | 4,319 |
| Pretax return on assets | 1.0050% | 3,330 |
| Return on Equity (ROE) | 6.4279% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.1706% | 3,595 |
| Net charge-offs to loans | 0.0022% | 5,713 |
| Credit loss provision to net charge-offs | 9,500.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 618.0000% | 32 |
| Efficiency ratio | 66.7026% | 5,195 |
| Assets per employee ($millions) | 5.1888% | 1,858 |
| Cash dividends to net income (ytd only)* | 35.1171% | 2,194 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9299% | 6,605 |
| Loan loss allowance to noncurrent loans | 155.4764% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 5,924 |
| Noncurrent loans to loans | 0.5981% | 5,898 |
| Net loans and leases to total assets | 85.3596% | 512 |
| Net loans and leases to deposits | 105.9368% | 867 |
| Net loans and leases to core deposits | 177.5658% | 261 |
| Total domestic deposits to total assets | 80.5760% | 5,142 |
| Equity capital to assets | 8.5844% | 5,938 |
| Core capital (leverage) ratio | 8.7273% | 5,103 |
| Tier 1 risk-based capital ratio | 9.1871% | 7,681 |
| Total risk-based capital ratio | 10.0452% | 7,933 |
| Memoranda: |
| Average total assets | $208,167,000 | 3,139 |
| Average earning assets | $194,785,500 | 3,086 |
| Average equity | $18,606,500 | 3,468 |
| Average total loans | $185,957,000 | 2,521 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0045% | 5,527 |
| Cost of funding earning assets | 2.0494% | 6,242 |
| Net interest margin | 3.9551% | 3,337 |
| Noninterest income to average assets | 0.3908% | 5,552 |
| Noninterest expense to average assets | 2.3662% | 6,515 |
| Loan and lease loss provision to assets | 0.0730% | 6,483 |
| Net operating income to assets | 1.0958% | 2,164 |
| Return on assets (ROA) | 1.0958% | 2,078 |
| Pretax return on assets | 1.5961% | 1,392 |
| Return on Equity (ROE) | 12.0220% | 1,590 |
| Retained earnings to average equity (ytd only) | 10.8215% | 347 |
| Net charge-offs to loans | -0.0006% | 7,717 |
| Credit loss provision to net charge-offs | -14,000.0000% | 7,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6389% | 6,587 |
| Assets per employee ($millions) | 4.8391% | 2,130 |
| Cash dividends to net income (ytd only)* | 9.9857% | 4,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8971% | 6,692 |
| Loan loss allowance to noncurrent loans | 146.9751% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 5,485 |
| Noncurrent loans to loans | 0.6104% | 5,542 |
| Net loans and leases to total assets | 91.9800% | 82 |
| Net loans and leases to deposits | 107.2631% | 1,023 |
| Net loans and leases to core deposits | 154.5774% | 697 |
| Total domestic deposits to total assets | 85.7517% | 2,516 |
| Equity capital to assets | 9.3270% | 4,906 |
| Core capital (leverage) ratio | 9.3868% | 4,175 |
| Tier 1 risk-based capital ratio | 9.3514% | 7,459 |
| Total risk-based capital ratio | 10.1864% | 7,838 |
| Memoranda: |
| Average total assets | $191,908,400 | 3,242 |
| Average earning assets | $176,835,200 | 3,230 |
| Average equity | $17,493,000 | 3,650 |
| Average total loans | $174,344,600 | 2,565 |
