| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7048% | 2,673 |
| Cost of funding earning assets | 0.5789% | 4,101 |
| Net interest margin | 4.1258% | 1,038 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 3.3748% | 681 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9724% | 2,300 |
| Return on assets (ROA) | 0.9724% | 2,287 |
| Pretax return on assets | 1.0088% | 2,663 |
| Return on Equity (ROE) | 16.9000% | 965 |
| Retained earnings to average equity (ytd only) | 5.9644% | 2,259 |
| Net charge-offs to loans | 0.0197% | 1,953 |
| Credit loss provision to net charge-offs | 200.0000% | 1,224 |
| Earnings coverage of net charge-offs (x) | 100.4000% | 903 |
| Efficiency ratio | 76.6945% | 1,190 |
| Assets per employee ($millions) | 3.8639% | 4,206 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,008 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8701% | 3,807 |
| Loan loss allowance to noncurrent loans | 342.9907% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,669 |
| Noncurrent loans to loans | 0.2537% | 2,278 |
| Net loans and leases to total assets | 50.7300% | 3,549 |
| Net loans and leases to deposits | 54.4728% | 3,763 |
| Net loans and leases to core deposits | 60.8278% | 3,735 |
| Total domestic deposits to total assets | 93.1200% | 161 |
| Equity capital to assets | 6.6222% | 4,077 |
| Core capital (leverage) ratio | 8.9887% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3132% | 1,753 |
| Memoranda: |
| Average total assets | $244,755,400 | 2,713 |
| Average earning assets | $226,792,000 | 2,704 |
| Average equity | $14,083,600 | 3,337 |
| Average total loans | $126,849,400 | 2,884 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6320% | 2,603 |
| Cost of funding earning assets | 0.5232% | 4,099 |
| Net interest margin | 4.1088% | 1,054 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 3.3283% | 695 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0579% | 2,193 |
| Return on assets (ROA) | 1.0579% | 2,184 |
| Pretax return on assets | 1.0967% | 2,574 |
| Return on Equity (ROE) | 19.1200% | 809 |
| Retained earnings to average equity (ytd only) | 7.8653% | 2,012 |
| Net charge-offs to loans | 0.0168% | 1,799 |
| Credit loss provision to net charge-offs | 312.5000% | 855 |
| Earnings coverage of net charge-offs (x) | 127.3750% | 814 |
| Efficiency ratio | 74.9385% | 1,273 |
| Assets per employee ($millions) | 3.7827% | 4,246 |
| Cash dividends to net income (ytd only)* | 58.8539% | 980 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8742% | 3,814 |
| Loan loss allowance to noncurrent loans | 472.3404% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,949 |
| Noncurrent loans to loans | 0.1851% | 2,621 |
| Net loans and leases to total assets | 50.4100% | 3,586 |
| Net loans and leases to deposits | 53.4329% | 3,811 |
| Net loans and leases to core deposits | 59.4856% | 3,721 |
| Total domestic deposits to total assets | 94.3500% | 159 |
| Equity capital to assets | 5.3721% | 4,176 |
| Core capital (leverage) ratio | 8.9355% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0964% | 1,858 |
| Memoranda: |
| Average total assets | $244,121,750 | 2,722 |
| Average earning assets | $226,275,000 | 2,715 |
| Average equity | $13,510,500 | 3,374 |
| Average total loans | $126,926,250 | 2,884 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5086% | 2,624 |
| Cost of funding earning assets | 0.4430% | 4,093 |
| Net interest margin | 4.0656% | 1,138 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.1889% | 801 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1235% | 2,048 |
| Return on assets (ROA) | 1.1235% | 2,049 |
| Pretax return on assets | 1.1664% | 2,457 |
| Return on Equity (ROE) | 20.1000% | 697 |
| Retained earnings to average equity (ytd only) | 9.3182% | 1,600 |
| Net charge-offs to loans | 0.0221% | 1,443 |
| Credit loss provision to net charge-offs | 357.1429% | 779 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 877 |
| Efficiency ratio | 70.9458% | 1,678 |
| Assets per employee ($millions) | 3.7574% | 4,270 |
| Cash dividends to net income (ytd only)* | 53.6370% | 1,169 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9557% | 3,591 |
| Loan loss allowance to noncurrent loans | 603.4314% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 2,962 |
| Noncurrent loans to loans | 0.1584% | 2,682 |
| Net loans and leases to total assets | 51.4400% | 3,452 |
| Net loans and leases to deposits | 54.6490% | 3,713 |
| Net loans and leases to core deposits | 60.8329% | 3,583 |
| Total domestic deposits to total assets | 94.1300% | 145 |
| Equity capital to assets | 5.6910% | 4,235 |
| Core capital (leverage) ratio | 8.9598% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0112% | 1,892 |
| Memoranda: |
| Average total assets | $242,275,333 | 2,732 |
| Average earning assets | $224,370,333 | 2,736 |
| Average equity | $13,543,333 | 3,392 |
| Average total loans | $126,912,000 | 2,882 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3794% | 2,610 |
| Cost of funding earning assets | 0.3177% | 4,146 |
| Net interest margin | 4.0617% | 1,157 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.9806% | 1,089 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.0308% | 2,437 |
| Return on assets (ROA) | 1.0308% | 2,403 |
| Pretax return on assets | 1.0559% | 2,845 |
| Return on Equity (ROE) | 18.6100% | 945 |
| Retained earnings to average equity (ytd only) | 8.6586% | 2,037 |
| Net charge-offs to loans | 0.0381% | 979 |
| Credit loss provision to net charge-offs | 208.3333% | 810 |
| Earnings coverage of net charge-offs (x) | 64.6667% | 979 |
| Efficiency ratio | 69.6875% | 1,776 |
| Assets per employee ($millions) | 3.8545% | 4,311 |
| Cash dividends to net income (ytd only)* | 53.4846% | 1,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9622% | 3,667 |
| Loan loss allowance to noncurrent loans | 1,830.3030% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,515 |
| Noncurrent loans to loans | 0.0526% | 3,363 |
| Net loans and leases to total assets | 51.2000% | 3,406 |
| Net loans and leases to deposits | 54.4538% | 3,656 |
| Net loans and leases to core deposits | 59.1936% | 3,577 |
| Total domestic deposits to total assets | 94.0300% | 164 |
| Equity capital to assets | 5.8744% | 4,245 |
| Core capital (leverage) ratio | 8.9708% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1295% | 1,935 |
| Memoranda: |
| Average total assets | $239,418,000 | 2,797 |
| Average earning assets | $221,583,500 | 2,788 |
| Average equity | $13,258,500 | 3,452 |
| Average total loans | $125,966,500 | 2,920 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8039% | 2,270 |
| Cost of funding earning assets | 0.0854% | 4,456 |
| Net interest margin | 3.7186% | 1,335 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.2844% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6990% | 3,624 |
| Return on assets (ROA) | 0.6998% | 3,568 |
| Pretax return on assets | 0.7032% | 3,840 |
| Return on Equity (ROE) | 10.9000% | 2,509 |
| Retained earnings to average equity (ytd only) | 5.3287% | 2,906 |
| Net charge-offs to loans | -0.0228% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.4707% | 568 |
| Assets per employee ($millions) | 3.8689% | 4,323 |
| Cash dividends to net income (ytd only)* | 51.1329% | 1,337 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8513% | 3,916 |
| Loan loss allowance to noncurrent loans | 3,710.3448% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,759 |
| Noncurrent loans to loans | 0.0229% | 3,633 |
| Net loans and leases to total assets | 53.1000% | 3,276 |
| Net loans and leases to deposits | 56.0564% | 3,575 |
| Net loans and leases to core deposits | 57.1177% | 3,667 |
| Total domestic deposits to total assets | 94.7200% | 170 |
| Equity capital to assets | 5.1915% | 4,316 |
| Core capital (leverage) ratio | 8.9954% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0476% | 1,620 |
| Memoranda: |
| Average total assets | $233,346,000 | 2,832 |
| Average earning assets | $215,513,600 | 2,824 |
| Average equity | $14,975,600 | 3,371 |
| Average total loans | $118,436,800 | 2,942 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6556% | 2,180 |
| Cost of funding earning assets | 0.0807% | 4,415 |
| Net interest margin | 3.5749% | 1,453 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 3.2203% | 669 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.6063% | 3,820 |
| Return on assets (ROA) | 0.6074% | 3,772 |
| Pretax return on assets | 0.6383% | 3,919 |
| Return on Equity (ROE) | 9.0300% | 3,022 |
| Retained earnings to average equity (ytd only) | 4.5135% | 3,280 |
| Net charge-offs to loans | -0.0286% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.6061% | 569 |
| Assets per employee ($millions) | 3.7478% | 4,413 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,197 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8835% | 3,909 |
| Loan loss allowance to noncurrent loans | 3,835.7143% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,853 |
| Noncurrent loans to loans | 0.0230% | 3,737 |
| Net loans and leases to total assets | 51.8500% | 3,291 |
| Net loans and leases to deposits | 54.5478% | 3,576 |
| Net loans and leases to core deposits | 55.4856% | 3,658 |
| Total domestic deposits to total assets | 95.0500% | 215 |
| Equity capital to assets | 4.7528% | 4,336 |
| Core capital (leverage) ratio | 9.0237% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7159% | 2,163 |
| Memoranda: |
| Average total assets | $232,681,750 | 2,851 |
| Average earning assets | $214,752,000 | 2,848 |
| Average equity | $15,656,500 | 3,351 |
| Average total loans | $116,448,500 | 2,967 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4570% | 2,273 |
| Cost of funding earning assets | 0.0866% | 4,320 |
| Net interest margin | 3.3704% | 1,688 |
| Noninterest income to average assets | 0.5524% | 1,936 |
| Noninterest expense to average assets | 3.1651% | 664 |
| Loan and lease loss provision to assets | -0.0086% | 4,394 |
| Net operating income to assets | 0.4599% | 3,986 |
| Return on assets (ROA) | 0.4622% | 3,933 |
| Pretax return on assets | 0.5086% | 3,982 |
| Return on Equity (ROE) | 6.2580% | 3,515 |
| Retained earnings to average equity (ytd only) | 2.2450% | 3,679 |
| Net charge-offs to loans | -0.0488% | 4,227 |
| Credit loss provision to net charge-offs | 35.7143% | 1,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4180% | 565 |
| Assets per employee ($millions) | 3.7549% | 4,472 |
| Cash dividends to net income (ytd only)* | 64.1264% | 959 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9340% | 3,853 |
| Loan loss allowance to noncurrent loans | 633.5294% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,244 |
| Noncurrent loans to loans | 0.1474% | 2,961 |
| Net loans and leases to total assets | 49.0709% | 3,462 |
| Net loans and leases to deposits | 52.2642% | 3,662 |
| Net loans and leases to core deposits | 53.1701% | 3,749 |
| Total domestic deposits to total assets | 93.8901% | 300 |
| Equity capital to assets | 5.9639% | 4,211 |
| Core capital (leverage) ratio | 8.9923% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8554% | 2,122 |
| Memoranda: |
| Average total assets | $232,787,000 | 2,873 |
| Average earning assets | $214,809,667 | 2,882 |
| Average equity | $17,194,000 | 3,302 |
| Average total loans | $114,746,000 | 3,007 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4067% | 2,070 |
| Cost of funding earning assets | 0.0930% | 4,226 |
| Net interest margin | 3.3137% | 1,539 |
| Noninterest income to average assets | 0.5275% | 2,008 |
| Noninterest expense to average assets | 3.0913% | 698 |
| Loan and lease loss provision to assets | 0.0086% | 2,161 |
| Net operating income to assets | 0.4438% | 3,861 |
| Return on assets (ROA) | 0.4485% | 3,815 |
| Pretax return on assets | 0.4949% | 3,877 |
| Return on Equity (ROE) | 5.5388% | 3,473 |
| Retained earnings to average equity (ytd only) | 1.8250% | 3,587 |
| Net charge-offs to loans | -0.0175% | 3,845 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1178% | 732 |
| Assets per employee ($millions) | 3.8088% | 4,469 |
| Cash dividends to net income (ytd only)* | 67.0498% | 906 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9252% | 3,976 |
| Loan loss allowance to noncurrent loans | 614.3678% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 3,323 |
| Noncurrent loans to loans | 0.1506% | 3,053 |
| Net loans and leases to total assets | 49.2692% | 3,248 |
| Net loans and leases to deposits | 53.1486% | 3,483 |
| Net loans and leases to core deposits | 54.2928% | 3,575 |
| Total domestic deposits to total assets | 92.7007% | 346 |
| Equity capital to assets | 7.0432% | 4,197 |
| Core capital (leverage) ratio | 9.0626% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9810% | 2,211 |
| Memoranda: |
| Average total assets | $232,779,500 | 2,882 |
| Average earning assets | $215,107,500 | 2,895 |
| Average equity | $18,849,000 | 3,246 |
| Average total loans | $114,461,500 | 3,008 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7576% | 1,968 |
| Cost of funding earning assets | 0.1382% | 4,084 |
| Net interest margin | 3.6193% | 1,411 |
| Noninterest income to average assets | 0.5698% | 2,281 |
| Noninterest expense to average assets | 3.2623% | 667 |
| Loan and lease loss provision to assets | -0.0198% | 4,222 |
| Net operating income to assets | 0.6169% | 3,836 |
| Return on assets (ROA) | 0.6509% | 3,803 |
| Pretax return on assets | 0.6985% | 3,930 |
| Return on Equity (ROE) | 6.7324% | 3,592 |
| Retained earnings to average equity (ytd only) | 3.8653% | 3,273 |
| Net charge-offs to loans | 0.0255% | 1,739 |
| Credit loss provision to net charge-offs | -145.1613% | 3,444 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,334 |
| Efficiency ratio | 83.5553% | 598 |
| Assets per employee ($millions) | 3.8233% | 4,486 |
| Cash dividends to net income (ytd only)* | 42.5863% | 1,893 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9340% | 3,983 |
| Loan loss allowance to noncurrent loans | 601.7045% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,425 |
| Noncurrent loans to loans | 0.1552% | 3,158 |
| Net loans and leases to total assets | 48.1620% | 3,486 |
| Net loans and leases to deposits | 53.1616% | 3,652 |
| Net loans and leases to core deposits | 54.3279% | 3,734 |
| Total domestic deposits to total assets | 90.5956% | 675 |
| Equity capital to assets | 9.1475% | 3,462 |
| Core capital (leverage) ratio | 9.1871% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5310% | 2,042 |
| Memoranda: |
| Average total assets | $226,926,600 | 2,864 |
| Average earning assets | $209,071,600 | 2,881 |
| Average equity | $21,938,600 | 3,065 |
| Average total loans | $121,762,800 | 2,939 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8667% | 1,868 |
| Cost of funding earning assets | 0.1485% | 4,119 |
| Net interest margin | 3.7182% | 1,298 |
| Noninterest income to average assets | 0.5704% | 2,334 |
| Noninterest expense to average assets | 3.2618% | 632 |
| Loan and lease loss provision to assets | -0.0058% | 4,306 |
| Net operating income to assets | 0.6912% | 3,786 |
| Return on assets (ROA) | 0.7307% | 3,755 |
| Pretax return on assets | 0.7780% | 3,930 |
| Return on Equity (ROE) | 7.4543% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.3376% | 2,677 |
| Net charge-offs to loans | 0.0344% | 1,387 |
| Credit loss provision to net charge-offs | -31.2500% | 3,104 |
| Earnings coverage of net charge-offs (x) | 38.5625% | 1,394 |
| Efficiency ratio | 81.7104% | 650 |
| Assets per employee ($millions) | 3.6010% | 4,606 |
| Cash dividends to net income (ytd only)* | 14.9798% | 2,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9347% | 4,054 |
| Loan loss allowance to noncurrent loans | 610.6145% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,586 |
| Noncurrent loans to loans | 0.1531% | 3,357 |
| Net loans and leases to total assets | 50.2666% | 3,384 |
| Net loans and leases to deposits | 55.7192% | 3,608 |
| Net loans and leases to core deposits | 56.8956% | 3,705 |
| Total domestic deposits to total assets | 90.2142% | 676 |
| Equity capital to assets | 9.6482% | 3,253 |
| Core capital (leverage) ratio | 9.3468% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7232% | 2,081 |
| Memoranda: |
| Average total assets | $225,353,000 | 2,906 |
| Average earning assets | $207,373,000 | 2,922 |
| Average equity | $22,089,750 | 3,081 |
| Average total loans | $123,857,750 | 2,956 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0836% | 1,384 |
| Cost of funding earning assets | 0.1624% | 4,105 |
| Net interest margin | 3.9213% | 931 |
| Noninterest income to average assets | 0.5679% | 2,346 |
| Noninterest expense to average assets | 3.2998% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8278% | 3,429 |
| Return on assets (ROA) | 0.8558% | 3,427 |
| Pretax return on assets | 0.9041% | 3,655 |
| Return on Equity (ROE) | 8.6838% | 3,197 |
| Retained earnings to average equity (ytd only) | 8.6838% | 1,823 |
| Net charge-offs to loans | 0.0396% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 39.1200% | 1,181 |
| Efficiency ratio | 79.0488% | 844 |
| Assets per employee ($millions) | 3.4461% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9348% | 4,049 |
| Loan loss allowance to noncurrent loans | 606.5574% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,678 |
| Noncurrent loans to loans | 0.1541% | 3,431 |
| Net loans and leases to total assets | 50.9476% | 3,457 |
| Net loans and leases to deposits | 56.4743% | 3,684 |
| Net loans and leases to core deposits | 57.6639% | 3,782 |
| Total domestic deposits to total assets | 90.2139% | 682 |
| Equity capital to assets | 9.6649% | 3,184 |
| Core capital (leverage) ratio | 9.4199% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8517% | 2,027 |
| Memoranda: |
| Average total assets | $223,648,333 | 2,912 |
| Average earning assets | $205,699,667 | 2,938 |
| Average equity | $22,041,000 | 3,081 |
| Average total loans | $126,163,333 | 2,947 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2815% | 1,073 |
| Cost of funding earning assets | 0.1759% | 4,114 |
| Net interest margin | 4.1056% | 716 |
| Noninterest income to average assets | 0.5490% | 2,411 |
| Noninterest expense to average assets | 3.2887% | 623 |
| Loan and lease loss provision to assets | 0.0273% | 2,428 |
| Net operating income to assets | 1.0090% | 2,784 |
| Return on assets (ROA) | 1.0690% | 2,657 |
| Pretax return on assets | 1.0690% | 3,196 |
| Return on Equity (ROE) | 10.7378% | 2,441 |
| Retained earnings to average equity (ytd only) | 10.7378% | 1,463 |
| Net charge-offs to loans | 0.0678% | 864 |
| Credit loss provision to net charge-offs | 68.1818% | 1,255 |
| Earnings coverage of net charge-offs (x) | 25.9091% | 1,150 |
| Efficiency ratio | 76.0404% | 1,132 |
| Assets per employee ($millions) | 3.4543% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8870% | 4,193 |
| Loan loss allowance to noncurrent loans | 466.1157% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,634 |
| Noncurrent loans to loans | 0.1903% | 3,423 |
| Net loans and leases to total assets | 56.1366% | 3,018 |
| Net loans and leases to deposits | 62.2246% | 3,304 |
| Net loans and leases to core deposits | 63.4765% | 3,458 |
| Total domestic deposits to total assets | 90.2161% | 717 |
| Equity capital to assets | 9.6904% | 3,011 |
| Core capital (leverage) ratio | 9.6324% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6984% | 2,009 |
| Memoranda: |
| Average total assets | $220,028,500 | 2,927 |
| Average earning assets | $202,358,000 | 2,952 |
| Average equity | $21,904,000 | 3,083 |
| Average total loans | $129,874,000 | 2,902 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3209% | 1,802 |
| Cost of funding earning assets | 0.3171% | 4,044 |
| Net interest margin | 4.0038% | 968 |
| Noninterest income to average assets | 0.5905% | 2,249 |
| Noninterest expense to average assets | 3.5467% | 651 |
| Loan and lease loss provision to assets | 0.0162% | 4,176 |
| Net operating income to assets | 0.6797% | 3,494 |
| Return on assets (ROA) | 0.8534% | 3,027 |
| Pretax return on assets | 0.8534% | 3,495 |
| Return on Equity (ROE) | 9.1348% | 2,346 |
| Retained earnings to average equity (ytd only) | 9.1348% | 740 |
| Net charge-offs to loans | 0.0458% | 2,152 |
| Credit loss provision to net charge-offs | 56.4516% | 3,104 |
| Earnings coverage of net charge-offs (x) | 24.2903% | 1,778 |
| Efficiency ratio | 83.5983% | 664 |
| Assets per employee ($millions) | 3.1236% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8561% | 4,309 |
| Loan loss allowance to noncurrent loans | 420.3704% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 3,658 |
| Noncurrent loans to loans | 0.2037% | 3,482 |
| Net loans and leases to total assets | 60.9861% | 2,734 |
| Net loans and leases to deposits | 67.9816% | 3,078 |
| Net loans and leases to core deposits | 69.6229% | 3,279 |
| Total domestic deposits to total assets | 89.7098% | 676 |
| Equity capital to assets | 10.2308% | 2,903 |
| Core capital (leverage) ratio | 9.5463% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3539% | 2,103 |
| Memoranda: |
| Average total assets | $216,429,400 | 2,824 |
| Average earning assets | $197,411,600 | 2,850 |
| Average equity | $20,219,400 | 3,172 |
| Average total loans | $135,295,000 | 2,800 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4165% | 1,813 |
| Cost of funding earning assets | 0.3475% | 4,069 |
| Net interest margin | 4.0690% | 953 |
| Noninterest income to average assets | 0.5859% | 2,230 |
| Noninterest expense to average assets | 3.4887% | 721 |
| Loan and lease loss provision to assets | 0.0217% | 4,062 |
| Net operating income to assets | 0.7791% | 3,170 |
| Return on assets (ROA) | 0.9625% | 2,611 |
| Pretax return on assets | 0.9625% | 3,190 |
| Return on Equity (ROE) | 10.5521% | 1,830 |
| Retained earnings to average equity (ytd only) | 10.5521% | 666 |
| Net charge-offs to loans | 0.0529% | 1,849 |
| Credit loss provision to net charge-offs | 64.8148% | 2,833 |
| Earnings coverage of net charge-offs (x) | 24.0926% | 1,767 |
| Efficiency ratio | 81.3343% | 766 |
| Assets per employee ($millions) | 3.2047% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8359% | 4,272 |
| Loan loss allowance to noncurrent loans | 197.0690% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 3,112 |
| Noncurrent loans to loans | 0.4242% | 2,786 |
| Net loans and leases to total assets | 62.2233% | 2,981 |
| Net loans and leases to deposits | 68.9447% | 3,402 |
| Net loans and leases to core deposits | 72.4641% | 3,438 |
| Total domestic deposits to total assets | 90.2510% | 346 |
| Equity capital to assets | 9.5099% | 3,678 |
| Core capital (leverage) ratio | 8.6080% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5298% | 2,404 |
| Memoranda: |
| Average total assets | $216,655,250 | 2,805 |
| Average earning assets | $197,195,750 | 2,835 |
| Average equity | $19,761,750 | 3,210 |
| Average total loans | $135,974,750 | 2,797 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5664% | 1,736 |
| Cost of funding earning assets | 0.3649% | 4,200 |
| Net interest margin | 4.2016% | 917 |
| Noninterest income to average assets | 0.5818% | 2,201 |
| Noninterest expense to average assets | 3.4453% | 799 |
| Loan and lease loss provision to assets | 0.0231% | 3,960 |
| Net operating income to assets | 0.9369% | 2,552 |
| Return on assets (ROA) | 1.0609% | 2,233 |
| Pretax return on assets | 1.0609% | 2,830 |
| Return on Equity (ROE) | 11.7998% | 1,385 |
| Retained earnings to average equity (ytd only) | 11.7998% | 482 |
| Net charge-offs to loans | 0.0737% | 1,512 |
| Credit loss provision to net charge-offs | 50.0000% | 2,621 |
| Earnings coverage of net charge-offs (x) | 20.7600% | 1,675 |
| Efficiency ratio | 78.2070% | 1,035 |
| Assets per employee ($millions) | 3.2859% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8182% | 4,297 |
| Loan loss allowance to noncurrent loans | 189.9833% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 2,309 |
| Noncurrent loans to loans | 0.4307% | 2,875 |
| Net loans and leases to total assets | 61.7366% | 3,148 |
| Net loans and leases to deposits | 68.0603% | 3,561 |
| Net loans and leases to core deposits | 71.4235% | 3,622 |
| Total domestic deposits to total assets | 90.7086% | 222 |
| Equity capital to assets | 9.0999% | 3,999 |
| Core capital (leverage) ratio | 8.6468% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0360% | 2,590 |
| Memoranda: |
| Average total assets | $216,233,667 | 2,782 |
| Average earning assets | $196,784,333 | 2,811 |
| Average equity | $19,441,000 | 3,226 |
| Average total loans | $135,719,667 | 2,797 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4183% | 2,552 |
| Cost of funding earning assets | 0.3894% | 4,397 |
| Net interest margin | 4.0289% | 1,315 |
| Noninterest income to average assets | 0.6453% | 1,845 |
| Noninterest expense to average assets | 3.5367% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7675% | 3,031 |
| Return on assets (ROA) | 0.8221% | 2,912 |
| Pretax return on assets | 0.8221% | 3,352 |
| Return on Equity (ROE) | 9.2024% | 2,027 |
| Retained earnings to average equity (ytd only) | 9.2024% | 917 |
| Net charge-offs to loans | 0.1432% | 878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 1,862 |
| Efficiency ratio | 82.1678% | 965 |
| Assets per employee ($millions) | 2.8834% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8407% | 4,305 |
| Loan loss allowance to noncurrent loans | 262.7358% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 2,613 |
| Noncurrent loans to loans | 0.3200% | 3,347 |
| Net loans and leases to total assets | 63.2884% | 3,154 |
| Net loans and leases to deposits | 69.8839% | 3,602 |
| Net loans and leases to core deposits | 73.7348% | 3,654 |
| Total domestic deposits to total assets | 90.5622% | 183 |
| Equity capital to assets | 9.2774% | 4,412 |
| Core capital (leverage) ratio | 8.4390% | 4,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4495% | 2,948 |
| Memoranda: |
| Average total assets | $212,629,000 | 2,769 |
| Average earning assets | $193,104,500 | 2,801 |
| Average equity | $18,995,000 | 3,271 |
| Average total loans | $134,037,500 | 2,795 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4206% | 3,188 |
| Cost of funding earning assets | 0.5762% | 3,738 |
| Net interest margin | 3.8443% | 2,360 |
| Noninterest income to average assets | 0.6325% | 2,080 |
| Noninterest expense to average assets | 3.4050% | 1,108 |
| Loan and lease loss provision to assets | 0.0678% | 2,654 |
| Net operating income to assets | 0.6675% | 3,962 |
| Return on assets (ROA) | 0.7288% | 3,839 |
| Pretax return on assets | 0.7288% | 4,136 |
| Return on Equity (ROE) | 9.4989% | 2,522 |
| Retained earnings to average equity (ytd only) | 7.7599% | 1,059 |
| Net charge-offs to loans | 0.0367% | 2,651 |
| Credit loss provision to net charge-offs | 303.9216% | 913 |
| Earnings coverage of net charge-offs (x) | 32.9608% | 1,483 |
| Efficiency ratio | 82.2398% | 784 |
| Assets per employee ($millions) | 2.9816% | 4,836 |
| Cash dividends to net income (ytd only)* | 18.3073% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8578% | 4,131 |
| Loan loss allowance to noncurrent loans | 272.3653% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4443% | 2,624 |
| Noncurrent loans to loans | 0.3150% | 3,308 |
| Net loans and leases to total assets | 61.7534% | 3,425 |
| Net loans and leases to deposits | 67.6862% | 3,842 |
| Net loans and leases to core deposits | 71.1838% | 3,902 |
| Total domestic deposits to total assets | 91.2348% | 90 |
| Equity capital to assets | 8.6053% | 4,867 |
| Core capital (leverage) ratio | 7.6920% | 5,086 |
| Tier 1 risk-based capital ratio | 11.4110% | 4,674 |
| Total risk-based capital ratio | 12.2295% | 4,769 |
| Memoranda: |
| Average total assets | $228,606,400 | 2,589 |
| Average earning assets | $208,592,800 | 2,619 |
| Average equity | $17,538,800 | 3,387 |
| Average total loans | $139,029,800 | 2,736 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3884% | 3,397 |
| Cost of funding earning assets | 0.5925% | 3,735 |
| Net interest margin | 3.7959% | 2,614 |
| Noninterest income to average assets | 0.6438% | 2,017 |
| Noninterest expense to average assets | 3.3173% | 1,233 |
| Loan and lease loss provision to assets | 0.0893% | 2,114 |
| Net operating income to assets | 0.7002% | 4,013 |
| Return on assets (ROA) | 0.7579% | 3,889 |
| Pretax return on assets | 0.7579% | 4,219 |
| Return on Equity (ROE) | 10.1693% | 2,365 |
| Retained earnings to average equity (ytd only) | 7.8106% | 1,489 |
| Net charge-offs to loans | 0.0315% | 2,443 |
| Credit loss provision to net charge-offs | 469.6970% | 664 |
| Earnings coverage of net charge-offs (x) | 41.5141% | 1,340 |
| Efficiency ratio | 80.7746% | 857 |
| Assets per employee ($millions) | 3.2164% | 4,740 |
| Cash dividends to net income (ytd only)* | 23.1941% | 2,900 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8485% | 4,238 |
| Loan loss allowance to noncurrent loans | 4,916.6667% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 2,996 |
| Noncurrent loans to loans | 0.0173% | 4,599 |
| Net loans and leases to total assets | 59.5421% | 3,720 |
| Net loans and leases to deposits | 64.9867% | 4,125 |
| Net loans and leases to core deposits | 71.7747% | 3,963 |
| Total domestic deposits to total assets | 91.6220% | 51 |
| Equity capital to assets | 7.9345% | 5,146 |
| Core capital (leverage) ratio | 7.3821% | 5,201 |
| Tier 1 risk-based capital ratio | 10.7082% | 5,016 |
| Total risk-based capital ratio | 11.5024% | 5,066 |
| Memoranda: |
| Average total assets | $231,344,000 | 2,594 |
| Average earning assets | $211,065,000 | 2,624 |
| Average equity | $17,241,000 | 3,438 |
| Average total loans | $139,894,000 | 2,753 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3617% | 3,452 |
| Cost of funding earning assets | 0.5848% | 3,727 |
| Net interest margin | 3.7769% | 2,663 |
| Noninterest income to average assets | 0.6417% | 1,966 |
| Noninterest expense to average assets | 3.2517% | 1,394 |
| Loan and lease loss provision to assets | 0.0995% | 1,878 |
| Net operating income to assets | 0.7368% | 3,877 |
| Return on assets (ROA) | 0.7273% | 3,966 |
| Pretax return on assets | 0.7273% | 4,265 |
| Return on Equity (ROE) | 9.9745% | 2,402 |
| Retained earnings to average equity (ytd only) | 6.3571% | 2,116 |
| Net charge-offs to loans | 0.0043% | 3,014 |
| Credit loss provision to net charge-offs | 3,833.3333% | 100 |
| Earnings coverage of net charge-offs (x) | 322.3333% | 246 |
| Efficiency ratio | 79.5431% | 1,007 |
| Assets per employee ($millions) | 3.1703% | 4,790 |
| Cash dividends to net income (ytd only)* | 36.2663% | 2,365 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8481% | 4,273 |
| Loan loss allowance to noncurrent loans | 4,034.4828% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 2,992 |
| Noncurrent loans to loans | 0.0210% | 4,624 |
| Net loans and leases to total assets | 58.3030% | 3,885 |
| Net loans and leases to deposits | 63.2608% | 4,258 |
| Net loans and leases to core deposits | 71.8590% | 4,010 |
| Total domestic deposits to total assets | 92.1629% | 31 |
| Equity capital to assets | 7.5865% | 5,228 |
| Core capital (leverage) ratio | 7.2065% | 5,255 |
| Tier 1 risk-based capital ratio | 10.3138% | 5,169 |
| Total risk-based capital ratio | 11.1027% | 5,202 |
| Memoranda: |
| Average total assets | $231,264,000 | 2,605 |
| Average earning assets | $211,017,330 | 2,628 |
| Average equity | $16,863,000 | 3,475 |
| Average total loans | $140,168,670 | 2,763 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3724% | 3,328 |
| Cost of funding earning assets | 0.5755% | 3,696 |
| Net interest margin | 3.7969% | 2,534 |
| Noninterest income to average assets | 0.6394% | 1,868 |
| Noninterest expense to average assets | 3.2928% | 1,298 |
| Loan and lease loss provision to assets | 0.1045% | 1,694 |
| Net operating income to assets | 0.7021% | 3,923 |
| Return on assets (ROA) | 0.6829% | 4,033 |
| Pretax return on assets | 0.6829% | 4,340 |
| Return on Equity (ROE) | 9.4950% | 2,588 |
| Retained earnings to average equity (ytd only) | 5.8617% | 2,514 |
| Net charge-offs to loans | 0.0198% | 2,058 |
| Credit loss provision to net charge-offs | 857.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 66.1429% | 871 |
| Efficiency ratio | 80.3230% | 1,028 |
| Assets per employee ($millions) | 3.1262% | 4,894 |
| Cash dividends to net income (ytd only)* | 38.2653% | 1,976 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7882% | 4,556 |
| Loan loss allowance to noncurrent loans | 12,344.4444% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 3,105 |
| Noncurrent loans to loans | 0.0064% | 4,773 |
| Net loans and leases to total assets | 59.6461% | 3,744 |
| Net loans and leases to deposits | 64.3721% | 4,158 |
| Net loans and leases to core deposits | 72.9416% | 3,870 |
| Total domestic deposits to total assets | 92.6583% | 32 |
| Equity capital to assets | 7.2415% | 5,291 |
| Core capital (leverage) ratio | 7.2094% | 5,307 |
| Tier 1 risk-based capital ratio | 10.0750% | 5,269 |
| Total risk-based capital ratio | 10.7494% | 5,316 |
| Memoranda: |
| Average total assets | $229,595,000 | 2,644 |
| Average earning assets | $209,223,000 | 2,674 |
| Average equity | $16,514,000 | 3,530 |
| Average total loans | $141,278,000 | 2,785 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2545% | 3,261 |
| Cost of funding earning assets | 0.3561% | 4,246 |
| Net interest margin | 3.8984% | 2,334 |
| Noninterest income to average assets | 0.6801% | 1,930 |
| Noninterest expense to average assets | 3.4795% | 1,018 |
| Loan and lease loss provision to assets | 0.0926% | 2,299 |
| Net operating income to assets | 0.6403% | 4,316 |
| Return on assets (ROA) | 0.6310% | 4,340 |
| Pretax return on assets | 0.6310% | 4,575 |
| Return on Equity (ROE) | 8.8723% | 3,055 |
| Retained earnings to average equity (ytd only) | 5.6176% | 2,406 |
| Net charge-offs to loans | 0.0382% | 2,634 |
| Credit loss provision to net charge-offs | 408.1633% | 815 |
| Earnings coverage of net charge-offs (x) | 32.3061% | 1,523 |
| Efficiency ratio | 82.6025% | 735 |
| Assets per employee ($millions) | 3.2568% | 4,778 |
| Cash dividends to net income (ytd only)* | 36.6838% | 2,709 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7472% | 4,686 |
| Loan loss allowance to noncurrent loans | 276.2402% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 2,395 |
| Noncurrent loans to loans | 0.2705% | 3,608 |
| Net loans and leases to total assets | 62.5377% | 3,511 |
| Net loans and leases to deposits | 72.3409% | 3,642 |
| Net loans and leases to core deposits | 76.4514% | 3,682 |
| Total domestic deposits to total assets | 86.4486% | 2,035 |
| Equity capital to assets | 7.1417% | 5,321 |
| Core capital (leverage) ratio | 7.4139% | 5,332 |
| Tier 1 risk-based capital ratio | 9.9259% | 5,326 |
| Total risk-based capital ratio | 10.5680% | 5,366 |
| Memoranda: |
| Average total assets | $216,007,400 | 2,722 |
| Average earning assets | $195,723,600 | 2,755 |
| Average equity | $15,362,400 | 3,595 |
| Average total loans | $128,311,400 | 2,897 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2160% | 3,262 |
| Cost of funding earning assets | 0.3100% | 4,452 |
| Net interest margin | 3.9060% | 2,277 |
| Noninterest income to average assets | 0.6641% | 2,009 |
| Noninterest expense to average assets | 3.4800% | 1,006 |
| Loan and lease loss provision to assets | 0.0873% | 2,225 |
| Net operating income to assets | 0.6323% | 4,415 |
| Return on assets (ROA) | 0.6273% | 4,443 |
| Pretax return on assets | 0.6273% | 4,682 |
| Return on Equity (ROE) | 8.8297% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.6700% | 2,843 |
| Net charge-offs to loans | 0.0245% | 2,635 |
| Credit loss provision to net charge-offs | 608.6957% | 588 |
| Earnings coverage of net charge-offs (x) | 50.1673% | 1,171 |
| Efficiency ratio | 82.8656% | 715 |
| Assets per employee ($millions) | 3.1891% | 4,893 |
| Cash dividends to net income (ytd only)* | 35.7854% | 2,267 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7444% | 4,769 |
| Loan loss allowance to noncurrent loans | 232.1995% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 2,571 |
| Noncurrent loans to loans | 0.3206% | 3,524 |
| Net loans and leases to total assets | 61.1598% | 3,733 |
| Net loans and leases to deposits | 69.8123% | 3,929 |
| Net loans and leases to core deposits | 71.8276% | 4,094 |
| Total domestic deposits to total assets | 87.6061% | 1,440 |
| Equity capital to assets | 6.8057% | 5,410 |
| Core capital (leverage) ratio | 7.3167% | 5,412 |
| Tier 1 risk-based capital ratio | 9.8863% | 5,399 |
| Total risk-based capital ratio | 10.5136% | 5,441 |
| Memoranda: |
| Average total assets | $213,828,750 | 2,759 |
| Average earning assets | $193,542,750 | 2,801 |
| Average equity | $15,190,750 | 3,638 |
| Average total loans | $124,990,750 | 2,968 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0812% | 3,524 |
| Cost of funding earning assets | 0.2732% | 4,612 |
| Net interest margin | 3.8080% | 2,540 |
| Noninterest income to average assets | 0.6455% | 2,114 |
| Noninterest expense to average assets | 3.4553% | 1,061 |
| Loan and lease loss provision to assets | 0.0570% | 2,769 |
| Net operating income to assets | 0.5733% | 4,585 |
| Return on assets (ROA) | 0.5696% | 4,586 |
| Pretax return on assets | 0.5696% | 4,784 |
| Return on Equity (ROE) | 7.8999% | 3,541 |
| Retained earnings to average equity (ytd only) | 4.8058% | 3,184 |
| Net charge-offs to loans | 0.0265% | 2,324 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,260 |
| Efficiency ratio | 84.5725% | 654 |
| Assets per employee ($millions) | 3.3226% | 4,794 |
| Cash dividends to net income (ytd only)* | 39.1667% | 2,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7303% | 4,865 |
| Loan loss allowance to noncurrent loans | 228.6058% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 2,618 |
| Noncurrent loans to loans | 0.3194% | 3,563 |
| Net loans and leases to total assets | 58.9523% | 3,903 |
| Net loans and leases to deposits | 65.0126% | 4,220 |
| Net loans and leases to core deposits | 66.7674% | 4,323 |
| Total domestic deposits to total assets | 90.6781% | 337 |
| Equity capital to assets | 6.9068% | 5,457 |
| Core capital (leverage) ratio | 7.3770% | 5,454 |
| Tier 1 risk-based capital ratio | 10.4001% | 5,312 |
| Total risk-based capital ratio | 11.0240% | 5,431 |
| Memoranda: |
| Average total assets | $210,692,330 | 2,806 |
| Average earning assets | $190,337,330 | 2,850 |
| Average equity | $15,190,000 | 3,654 |
| Average total loans | $120,802,330 | 3,029 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8793% | 3,985 |
| Cost of funding earning assets | 0.2513% | 4,701 |
| Net interest margin | 3.6280% | 3,077 |
| Noninterest income to average assets | 0.7055% | 1,802 |
| Noninterest expense to average assets | 3.4749% | 1,045 |
| Loan and lease loss provision to assets | 0.0388% | 2,973 |
| Net operating income to assets | 0.4651% | 4,778 |
| Return on assets (ROA) | 0.4651% | 4,782 |
| Pretax return on assets | 0.4651% | 4,932 |
| Return on Equity (ROE) | 6.3108% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.4184% | 3,842 |
| Net charge-offs to loans | 0.0103% | 2,376 |
| Credit loss provision to net charge-offs | 666.6667% | 485 |
| Earnings coverage of net charge-offs (x) | 86.6667% | 669 |
| Efficiency ratio | 87.3356% | 567 |
| Assets per employee ($millions) | 3.0323% | 5,128 |
| Cash dividends to net income (ytd only)* | 45.8333% | 1,627 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7796% | 4,843 |
| Loan loss allowance to noncurrent loans | 68.2422% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 1,980 |
| Noncurrent loans to loans | 1.1424% | 1,602 |
| Net loans and leases to total assets | 56.2061% | 4,105 |
| Net loans and leases to deposits | 60.5781% | 4,431 |
| Net loans and leases to core deposits | 62.0788% | 4,546 |
| Total domestic deposits to total assets | 92.7830% | 50 |
| Equity capital to assets | 7.1716% | 5,493 |
| Core capital (leverage) ratio | 7.6072% | 5,486 |
| Tier 1 risk-based capital ratio | 11.0426% | 5,112 |
| Total risk-based capital ratio | 11.6959% | 5,287 |
| Memoranda: |
| Average total assets | $206,393,000 | 2,875 |
| Average earning assets | $186,220,000 | 2,929 |
| Average equity | $15,212,000 | 3,680 |
| Average total loans | $116,089,500 | 3,114 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8786% | 3,790 |
| Cost of funding earning assets | 0.2610% | 4,473 |
| Net interest margin | 3.6176% | 3,111 |
| Noninterest income to average assets | 0.7447% | 1,790 |
| Noninterest expense to average assets | 3.6648% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3319% | 4,871 |
| Return on assets (ROA) | 0.3704% | 4,801 |
| Pretax return on assets | 0.3704% | 5,122 |
| Return on Equity (ROE) | 4.7712% | 4,259 |
| Retained earnings to average equity (ytd only) | 0.4308% | 4,862 |
| Net charge-offs to loans | 0.0177% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 1,441 |
| Efficiency ratio | 91.6948% | 360 |
| Assets per employee ($millions) | 3.0382% | 5,169 |
| Cash dividends to net income (ytd only)* | 90.9704% | 517 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7980% | 4,839 |
| Loan loss allowance to noncurrent loans | 89.5360% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 2,127 |
| Noncurrent loans to loans | 0.8913% | 1,996 |
| Net loans and leases to total assets | 55.3891% | 4,240 |
| Net loans and leases to deposits | 59.9410% | 4,570 |
| Net loans and leases to core deposits | 61.3891% | 4,687 |
| Total domestic deposits to total assets | 92.4061% | 54 |
| Equity capital to assets | 7.5747% | 5,527 |
| Core capital (leverage) ratio | 7.6476% | 5,530 |
| Tier 1 risk-based capital ratio | 11.4696% | 4,870 |
| Total risk-based capital ratio | 12.1413% | 5,096 |
| Memoranda: |
| Average total assets | $200,337,600 | 2,922 |
| Average earning assets | $180,091,000 | 2,965 |
| Average equity | $15,551,600 | 3,651 |
| Average total loans | $112,798,000 | 3,147 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8483% | 3,835 |
| Cost of funding earning assets | 0.2633% | 4,448 |
| Net interest margin | 3.5850% | 3,210 |
| Noninterest income to average assets | 0.7437% | 1,815 |
| Noninterest expense to average assets | 3.6144% | 853 |
| Loan and lease loss provision to assets | 0.0334% | 3,455 |
| Net operating income to assets | 0.3167% | 5,188 |
| Return on assets (ROA) | 0.3668% | 5,091 |
| Pretax return on assets | 0.3668% | 5,235 |
| Return on Equity (ROE) | 4.6968% | 4,637 |
| Retained earnings to average equity (ytd only) | -0.2225% | 5,244 |
| Net charge-offs to loans | 0.0261% | 2,918 |
| Credit loss provision to net charge-offs | 227.2727% | 1,225 |
| Earnings coverage of net charge-offs (x) | 23.8203% | 1,798 |
| Efficiency ratio | 91.1680% | 370 |
| Assets per employee ($millions) | 2.9576% | 5,294 |
| Cash dividends to net income (ytd only)* | 104.7365% | 257 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8371% | 4,799 |
| Loan loss allowance to noncurrent loans | 73.1240% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 1,966 |
| Noncurrent loans to loans | 1.1447% | 1,678 |
| Net loans and leases to total assets | 55.4382% | 4,280 |
| Net loans and leases to deposits | 60.1698% | 4,631 |
| Net loans and leases to core deposits | 61.7892% | 4,725 |
| Total domestic deposits to total assets | 92.1363% | 54 |
| Equity capital to assets | 7.8059% | 5,569 |
| Core capital (leverage) ratio | 7.6056% | 5,609 |
| Tier 1 risk-based capital ratio | 11.2091% | 5,127 |
| Total risk-based capital ratio | 11.9043% | 5,322 |
| Memoranda: |
| Average total assets | $199,532,500 | 2,954 |
| Average earning assets | $179,260,000 | 2,995 |
| Average equity | $15,584,750 | 3,681 |
| Average total loans | $112,583,500 | 3,178 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8074% | 3,862 |
| Cost of funding earning assets | 0.2674% | 4,397 |
| Net interest margin | 3.5401% | 3,255 |
| Noninterest income to average assets | 0.7636% | 1,711 |
| Noninterest expense to average assets | 3.6037% | 871 |
| Loan and lease loss provision to assets | 0.0505% | 2,980 |
| Net operating income to assets | 0.2919% | 5,246 |
| Return on assets (ROA) | 0.3394% | 5,148 |
| Pretax return on assets | 0.3394% | 5,284 |
| Return on Equity (ROE) | 4.3440% | 4,713 |
| Retained earnings to average equity (ytd only) | -1.1506% | 5,252 |
| Net charge-offs to loans | 0.0161% | 2,924 |
| Credit loss provision to net charge-offs | 555.5556% | 602 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,299 |
| Efficiency ratio | 91.3233% | 387 |
| Assets per employee ($millions) | 3.0235% | 5,250 |
| Cash dividends to net income (ytd only)* | 126.4881% | 248 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8376% | 4,850 |
| Loan loss allowance to noncurrent loans | 100.3109% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 2,631 |
| Noncurrent loans to loans | 0.8350% | 2,317 |
| Net loans and leases to total assets | 57.4327% | 4,086 |
| Net loans and leases to deposits | 62.4180% | 4,473 |
| Net loans and leases to core deposits | 64.4754% | 4,570 |
| Total domestic deposits to total assets | 92.0130% | 68 |
| Equity capital to assets | 7.9539% | 5,556 |
| Core capital (leverage) ratio | 7.7270% | 5,603 |
| Tier 1 risk-based capital ratio | 11.1963% | 5,141 |
| Total risk-based capital ratio | 11.9030% | 5,328 |
| Memoranda: |
| Average total assets | $198,018,000 | 2,984 |
| Average earning assets | $178,019,670 | 3,020 |
| Average equity | $15,469,670 | 3,706 |
| Average total loans | $112,081,000 | 3,192 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7956% | 3,778 |
| Cost of funding earning assets | 0.2755% | 4,293 |
| Net interest margin | 3.5201% | 3,200 |
| Noninterest income to average assets | 0.7564% | 1,725 |
| Noninterest expense to average assets | 3.6380% | 844 |
| Loan and lease loss provision to assets | 0.0406% | 2,993 |
| Net operating income to assets | 0.2393% | 5,325 |
| Return on assets (ROA) | 0.2717% | 5,275 |
| Pretax return on assets | 0.2717% | 5,352 |
| Return on Equity (ROE) | 3.5105% | 4,959 |
| Retained earnings to average equity (ytd only) | -2.3840% | 5,208 |
| Net charge-offs to loans | 0.0036% | 2,848 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 397 |
| Efficiency ratio | 92.8571% | 418 |
| Assets per employee ($millions) | 2.7483% | 5,512 |
| Cash dividends to net income (ytd only)* | 167.9104% | 320 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8598% | 4,900 |
| Loan loss allowance to noncurrent loans | 117.2243% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 2,957 |
| Noncurrent loans to loans | 0.7335% | 2,665 |
| Net loans and leases to total assets | 55.1241% | 4,243 |
| Net loans and leases to deposits | 60.5823% | 4,529 |
| Net loans and leases to core deposits | 62.7096% | 4,606 |
| Total domestic deposits to total assets | 90.9905% | 303 |
| Equity capital to assets | 7.8310% | 5,588 |
| Core capital (leverage) ratio | 7.8607% | 5,608 |
| Tier 1 risk-based capital ratio | 11.3632% | 5,110 |
| Total risk-based capital ratio | 12.0644% | 5,322 |
| Memoranda: |
| Average total assets | $197,252,000 | 3,022 |
| Average earning assets | $177,153,000 | 3,059 |
| Average equity | $15,268,500 | 3,750 |
| Average total loans | $110,334,000 | 3,246 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7735% | 3,985 |
| Cost of funding earning assets | 0.2614% | 4,449 |
| Net interest margin | 3.5121% | 3,380 |
| Noninterest income to average assets | 0.9994% | 1,148 |
| Noninterest expense to average assets | 3.9315% | 662 |
| Loan and lease loss provision to assets | 0.0105% | 4,165 |
| Net operating income to assets | 0.2065% | 5,406 |
| Return on assets (ROA) | 0.3894% | 5,062 |
| Pretax return on assets | 0.3894% | 5,241 |
| Return on Equity (ROE) | 4.5436% | 4,640 |
| Retained earnings to average equity (ytd only) | -0.7603% | 5,416 |
| Net charge-offs to loans | 0.1235% | 2,026 |
| Credit loss provision to net charge-offs | 14.7059% | 3,712 |
| Earnings coverage of net charge-offs (x) | 3.0368% | 3,730 |
| Efficiency ratio | 94.7688% | 353 |
| Assets per employee ($millions) | 2.7309% | 5,539 |
| Cash dividends to net income (ytd only)* | 116.7341% | 245 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8378% | 4,996 |
| Loan loss allowance to noncurrent loans | 150.9772% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 3,361 |
| Noncurrent loans to loans | 0.5549% | 3,180 |
| Net loans and leases to total assets | 55.7996% | 4,281 |
| Net loans and leases to deposits | 62.4796% | 4,511 |
| Net loans and leases to core deposits | 64.6563% | 4,599 |
| Total domestic deposits to total assets | 89.3086% | 950 |
| Equity capital to assets | 7.6496% | 5,678 |
| Core capital (leverage) ratio | 8.0411% | 5,602 |
| Tier 1 risk-based capital ratio | 11.7630% | 4,885 |
| Total risk-based capital ratio | 12.4701% | 5,105 |
| Memoranda: |
| Average total assets | $190,309,800 | 3,057 |
| Average earning assets | $170,638,600 | 3,104 |
| Average equity | $16,308,800 | 3,650 |
| Average total loans | $110,105,200 | 3,214 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8210% | 3,870 |
| Cost of funding earning assets | 0.2610% | 4,495 |
| Net interest margin | 3.5599% | 3,233 |
| Noninterest income to average assets | 1.0335% | 1,065 |
| Noninterest expense to average assets | 4.0572% | 547 |
| Loan and lease loss provision to assets | 0.0141% | 3,968 |
| Net operating income to assets | 0.1512% | 5,552 |
| Return on assets (ROA) | 0.3886% | 5,147 |
| Pretax return on assets | 0.3886% | 5,327 |
| Return on Equity (ROE) | 4.4107% | 4,754 |
| Retained earnings to average equity (ytd only) | -1.5237% | 5,556 |
| Net charge-offs to loans | 0.0824% | 2,145 |
| Credit loss provision to net charge-offs | 29.4118% | 3,230 |
| Earnings coverage of net charge-offs (x) | 3.4413% | 3,416 |
| Efficiency ratio | 96.0850% | 312 |
| Assets per employee ($millions) | 2.6468% | 5,645 |
| Cash dividends to net income (ytd only)* | 134.5443% | 161 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9349% | 4,731 |
| Loan loss allowance to noncurrent loans | 147.4074% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 3,375 |
| Noncurrent loans to loans | 0.6342% | 3,113 |
| Net loans and leases to total assets | 55.3250% | 4,377 |
| Net loans and leases to deposits | 60.7181% | 4,704 |
| Net loans and leases to core deposits | 62.5881% | 4,799 |
| Total domestic deposits to total assets | 91.1178% | 166 |
| Equity capital to assets | 8.7421% | 5,371 |
| Core capital (leverage) ratio | 8.2942% | 5,502 |
| Tier 1 risk-based capital ratio | 12.4153% | 4,526 |
| Total risk-based capital ratio | 13.2679% | 4,679 |
| Memoranda: |
| Average total assets | $188,731,000 | 3,083 |
| Average earning assets | $169,063,500 | 3,136 |
| Average equity | $16,625,750 | 3,635 |
| Average total loans | $109,970,750 | 3,223 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8935% | 3,629 |
| Cost of funding earning assets | 0.2617% | 4,532 |
| Net interest margin | 3.6318% | 2,972 |
| Noninterest income to average assets | 1.0430% | 1,028 |
| Noninterest expense to average assets | 3.9794% | 607 |
| Loan and lease loss provision to assets | 0.0532% | 3,085 |
| Net operating income to assets | 0.2711% | 5,391 |
| Return on assets (ROA) | 0.4540% | 4,943 |
| Pretax return on assets | 0.4540% | 5,237 |
| Return on Equity (ROE) | 5.1401% | 4,451 |
| Retained earnings to average equity (ytd only) | -1.7816% | 5,513 |
| Net charge-offs to loans | 0.1116% | 1,711 |
| Credit loss provision to net charge-offs | 80.6452% | 2,360 |
| Earnings coverage of net charge-offs (x) | 4.9194% | 2,924 |
| Efficiency ratio | 92.4654% | 477 |
| Assets per employee ($millions) | 2.8238% | 5,592 |
| Cash dividends to net income (ytd only)* | 134.6604% | 262 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9462% | 4,774 |
| Loan loss allowance to noncurrent loans | 150.7310% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 3,422 |
| Noncurrent loans to loans | 0.6277% | 3,194 |
| Net loans and leases to total assets | 57.9137% | 4,125 |
| Net loans and leases to deposits | 63.8203% | 4,502 |
| Net loans and leases to core deposits | 65.7377% | 4,626 |
| Total domestic deposits to total assets | 90.7450% | 241 |
| Equity capital to assets | 9.1708% | 5,097 |
| Core capital (leverage) ratio | 8.2619% | 5,562 |
| Tier 1 risk-based capital ratio | 12.5651% | 4,469 |
| Total risk-based capital ratio | 13.4550% | 4,620 |
| Memoranda: |
| Average total assets | $188,117,330 | 3,107 |
| Average earning assets | $168,896,670 | 3,155 |
| Average equity | $16,614,330 | 3,641 |
| Average total loans | $111,151,330 | 3,220 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9078% | 3,562 |
| Cost of funding earning assets | 0.2613% | 4,596 |
| Net interest margin | 3.6465% | 2,900 |
| Noninterest income to average assets | 1.0159% | 1,041 |
| Noninterest expense to average assets | 4.0489% | 573 |
| Loan and lease loss provision to assets | 0.0635% | 2,684 |
| Net operating income to assets | 0.1820% | 5,564 |
| Return on assets (ROA) | 0.4254% | 4,996 |
| Pretax return on assets | 0.4254% | 5,254 |
| Return on Equity (ROE) | 4.9098% | 4,524 |
| Retained earnings to average equity (ytd only) | -2.4182% | 5,424 |
| Net charge-offs to loans | 0.0178% | 2,579 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,374 |
| Efficiency ratio | 94.2829% | 435 |
| Assets per employee ($millions) | 2.6896% | 5,734 |
| Cash dividends to net income (ytd only)* | 149.2537% | 385 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9589% | 4,811 |
| Loan loss allowance to noncurrent loans | 149.1620% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 4,065 |
| Noncurrent loans to loans | 0.6428% | 3,246 |
| Net loans and leases to total assets | 58.5917% | 3,978 |
| Net loans and leases to deposits | 64.2943% | 4,417 |
| Net loans and leases to core deposits | 66.4372% | 4,508 |
| Total domestic deposits to total assets | 91.1305% | 233 |
| Equity capital to assets | 8.7829% | 5,352 |
| Core capital (leverage) ratio | 8.1434% | 5,688 |
| Tier 1 risk-based capital ratio | 12.4083% | 4,646 |
| Total risk-based capital ratio | 13.3140% | 4,792 |
| Memoranda: |
| Average total assets | $188,989,000 | 3,101 |
| Average earning assets | $169,916,000 | 3,155 |
| Average equity | $16,375,500 | 3,681 |
| Average total loans | $112,243,500 | 3,209 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9766% | 3,398 |
| Cost of funding earning assets | 0.2715% | 4,568 |
| Net interest margin | 3.7052% | 2,729 |
| Noninterest income to average assets | 0.8944% | 1,457 |
| Noninterest expense to average assets | 3.9118% | 744 |
| Loan and lease loss provision to assets | -0.0889% | 5,834 |
| Net operating income to assets | 0.4036% | 5,045 |
| Return on assets (ROA) | 0.4443% | 4,986 |
| Pretax return on assets | 0.4443% | 5,239 |
| Return on Equity (ROE) | 5.2715% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.4341% | 5,342 |
| Net charge-offs to loans | -0.1070% | 5,797 |
| Credit loss provision to net charge-offs | 139.3443% | 1,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1707% | 563 |
| Assets per employee ($millions) | 2.7493% | 5,737 |
| Cash dividends to net income (ytd only)* | 91.7647% | 566 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9221% | 5,003 |
| Loan loss allowance to noncurrent loans | 140.5660% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 4,028 |
| Noncurrent loans to loans | 0.6560% | 3,223 |
| Net loans and leases to total assets | 59.0726% | 3,958 |
| Net loans and leases to deposits | 65.1321% | 4,386 |
| Net loans and leases to core deposits | 66.9733% | 4,506 |
| Total domestic deposits to total assets | 90.6966% | 381 |
| Equity capital to assets | 8.5475% | 5,523 |
| Core capital (leverage) ratio | 8.2443% | 5,647 |
| Tier 1 risk-based capital ratio | 12.4933% | 4,638 |
| Total risk-based capital ratio | 13.3793% | 4,772 |
| Memoranda: |
| Average total assets | $191,294,000 | 3,033 |
| Average earning assets | $172,030,800 | 3,098 |
| Average equity | $16,124,400 | 3,656 |
| Average total loans | $114,057,000 | 3,137 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9690% | 3,465 |
| Cost of funding earning assets | 0.2740% | 4,617 |
| Net interest margin | 3.6950% | 2,793 |
| Noninterest income to average assets | 0.8799% | 1,509 |
| Noninterest expense to average assets | 3.8269% | 826 |
| Loan and lease loss provision to assets | -0.0939% | 5,988 |
| Net operating income to assets | 0.4674% | 4,908 |
| Return on assets (ROA) | 0.5217% | 4,803 |
| Pretax return on assets | 0.5217% | 5,168 |
| Return on Equity (ROE) | 6.2104% | 4,050 |
| Retained earnings to average equity (ytd only) | 1.0350% | 5,303 |
| Net charge-offs to loans | -0.1680% | 5,949 |
| Credit loss provision to net charge-offs | 93.7500% | 2,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7269% | 651 |
| Assets per employee ($millions) | 2.6226% | 5,888 |
| Cash dividends to net income (ytd only)* | 83.3327% | 662 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9661% | 4,911 |
| Loan loss allowance to noncurrent loans | 96.7458% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 3,464 |
| Noncurrent loans to loans | 0.9986% | 2,490 |
| Net loans and leases to total assets | 59.7170% | 3,918 |
| Net loans and leases to deposits | 66.1173% | 4,376 |
| Net loans and leases to core deposits | 68.0061% | 4,539 |
| Total domestic deposits to total assets | 90.3198% | 456 |
| Equity capital to assets | 8.7767% | 5,507 |
| Core capital (leverage) ratio | 8.1253% | 5,827 |
| Tier 1 risk-based capital ratio | 12.5691% | 4,705 |
| Total risk-based capital ratio | 13.5403% | 4,792 |
| Memoranda: |
| Average total assets | $191,691,500 | 3,058 |
| Average earning assets | $172,264,250 | 3,115 |
| Average equity | $16,101,750 | 3,691 |
| Average total loans | $114,294,750 | 3,160 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9041% | 3,669 |
| Cost of funding earning assets | 0.2705% | 4,710 |
| Net interest margin | 3.6336% | 2,966 |
| Noninterest income to average assets | 0.8337% | 1,658 |
| Noninterest expense to average assets | 3.7364% | 948 |
| Loan and lease loss provision to assets | -0.1402% | 6,122 |
| Net operating income to assets | 0.5004% | 4,766 |
| Return on assets (ROA) | 0.5222% | 4,777 |
| Pretax return on assets | 0.5222% | 5,170 |
| Return on Equity (ROE) | 6.3093% | 3,983 |
| Retained earnings to average equity (ytd only) | 0.8529% | 5,222 |
| Net charge-offs to loans | -0.2569% | 6,085 |
| Credit loss provision to net charge-offs | 91.8367% | 2,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8262% | 696 |
| Assets per employee ($millions) | 2.7185% | 5,897 |
| Cash dividends to net income (ytd only)* | 86.4811% | 785 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9799% | 4,969 |
| Loan loss allowance to noncurrent loans | 80.9244% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 3,282 |
| Noncurrent loans to loans | 1.2109% | 2,231 |
| Net loans and leases to total assets | 57.7458% | 4,134 |
| Net loans and leases to deposits | 63.2397% | 4,604 |
| Net loans and leases to core deposits | 65.1847% | 4,716 |
| Total domestic deposits to total assets | 91.3126% | 228 |
| Equity capital to assets | 8.2538% | 5,854 |
| Core capital (leverage) ratio | 8.0649% | 5,896 |
| Tier 1 risk-based capital ratio | 12.6750% | 4,696 |
| Total risk-based capital ratio | 13.6607% | 4,781 |
| Memoranda: |
| Average total assets | $192,645,670 | 3,069 |
| Average earning assets | $172,995,670 | 3,122 |
| Average equity | $15,944,670 | 3,734 |
| Average total loans | $114,438,670 | 3,174 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8763% | 3,720 |
| Cost of funding earning assets | 0.2741% | 4,736 |
| Net interest margin | 3.6022% | 2,991 |
| Noninterest income to average assets | 0.8355% | 1,586 |
| Noninterest expense to average assets | 3.6662% | 1,045 |
| Loan and lease loss provision to assets | 0.0624% | 2,679 |
| Net operating income to assets | 0.3305% | 5,306 |
| Return on assets (ROA) | 0.3699% | 5,308 |
| Pretax return on assets | 0.3699% | 5,500 |
| Return on Equity (ROE) | 4.4635% | 4,774 |
| Retained earnings to average equity (ytd only) | -2.4324% | 5,738 |
| Net charge-offs to loans | 0.0173% | 2,820 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 37.8000% | 1,009 |
| Efficiency ratio | 89.9130% | 854 |
| Assets per employee ($millions) | 2.6843% | 5,980 |
| Cash dividends to net income (ytd only)* | 154.4944% | 350 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9723% | 5,160 |
| Loan loss allowance to noncurrent loans | 67.8832% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 2,985 |
| Noncurrent loans to loans | 1.4323% | 1,995 |
| Net loans and leases to total assets | 58.0057% | 3,944 |
| Net loans and leases to deposits | 63.3120% | 4,454 |
| Net loans and leases to core deposits | 65.7477% | 4,543 |
| Total domestic deposits to total assets | 91.6189% | 207 |
| Equity capital to assets | 8.3005% | 5,870 |
| Core capital (leverage) ratio | 7.9950% | 5,950 |
| Tier 1 risk-based capital ratio | 12.3386% | 5,019 |
| Total risk-based capital ratio | 13.3190% | 5,098 |
| Memoranda: |
| Average total assets | $192,461,000 | 3,086 |
| Average earning assets | $172,226,500 | 3,152 |
| Average equity | $15,951,500 | 3,753 |
| Average total loans | $115,377,500 | 3,169 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0357% | 3,576 |
| Cost of funding earning assets | 0.3101% | 4,681 |
| Net interest margin | 3.7256% | 2,900 |
| Noninterest income to average assets | 0.9800% | 1,260 |
| Noninterest expense to average assets | 3.9580% | 795 |
| Loan and lease loss provision to assets | 0.0929% | 2,612 |
| Net operating income to assets | 0.2580% | 5,635 |
| Return on assets (ROA) | 0.3551% | 5,436 |
| Pretax return on assets | 0.3551% | 5,593 |
| Return on Equity (ROE) | 4.4685% | 4,909 |
| Retained earnings to average equity (ytd only) | 1.2290% | 5,230 |
| Net charge-offs to loans | 0.0615% | 3,612 |
| Credit loss provision to net charge-offs | 253.6232% | 1,005 |
| Earnings coverage of net charge-offs (x) | 9.5797% | 2,730 |
| Efficiency ratio | 91.4747% | 741 |
| Assets per employee ($millions) | 2.6615% | 6,050 |
| Cash dividends to net income (ytd only)* | 72.4963% | 1,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9407% | 5,332 |
| Loan loss allowance to noncurrent loans | 63.0636% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 2,927 |
| Noncurrent loans to loans | 1.4917% | 1,964 |
| Net loans and leases to total assets | 60.7952% | 3,675 |
| Net loans and leases to deposits | 66.9960% | 4,220 |
| Net loans and leases to core deposits | 70.6952% | 4,253 |
| Total domestic deposits to total assets | 90.7445% | 445 |
| Equity capital to assets | 8.2754% | 5,911 |
| Core capital (leverage) ratio | 8.0510% | 5,964 |
| Tier 1 risk-based capital ratio | 12.5854% | 4,988 |
| Total risk-based capital ratio | 13.5589% | 5,063 |
| Memoranda: |
| Average total assets | $188,376,800 | 3,119 |
| Average earning assets | $168,321,200 | 3,179 |
| Average equity | $14,971,400 | 3,844 |
| Average total loans | $112,153,200 | 3,175 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0377% | 3,601 |
| Cost of funding earning assets | 0.3148% | 4,732 |
| Net interest margin | 3.7229% | 2,932 |
| Noninterest income to average assets | 0.8805% | 1,590 |
| Noninterest expense to average assets | 3.8364% | 921 |
| Loan and lease loss provision to assets | 0.0638% | 3,075 |
| Net operating income to assets | 0.2975% | 5,593 |
| Return on assets (ROA) | 0.3556% | 5,485 |
| Pretax return on assets | 0.3556% | 5,667 |
| Return on Equity (ROE) | 4.5210% | 4,957 |
| Retained earnings to average equity (ytd only) | 1.0537% | 5,462 |
| Net charge-offs to loans | 0.0036% | 4,574 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 169.9950% | 366 |
| Efficiency ratio | 91.0057% | 771 |
| Assets per employee ($millions) | 2.8333% | 5,930 |
| Cash dividends to net income (ytd only)* | 76.6928% | 825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9557% | 5,402 |
| Loan loss allowance to noncurrent loans | 67.0839% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8455% | 3,301 |
| Noncurrent loans to loans | 1.4246% | 2,280 |
| Net loans and leases to total assets | 58.5255% | 4,000 |
| Net loans and leases to deposits | 64.3195% | 4,505 |
| Net loans and leases to core deposits | 67.4517% | 4,563 |
| Total domestic deposits to total assets | 90.9919% | 363 |
| Equity capital to assets | 8.0493% | 6,107 |
| Core capital (leverage) ratio | 8.1817% | 5,950 |
| Tier 1 risk-based capital ratio | 12.8927% | 4,920 |
| Total risk-based capital ratio | 13.9248% | 4,966 |
| Memoranda: |
| Average total assets | $188,228,750 | 3,147 |
| Average earning assets | $167,715,750 | 3,209 |
| Average equity | $14,804,750 | 3,894 |
| Average total loans | $111,197,750 | 3,216 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0438% | 3,574 |
| Cost of funding earning assets | 0.3199% | 4,759 |
| Net interest margin | 3.7239% | 2,861 |
| Noninterest income to average assets | 0.7438% | 2,073 |
| Noninterest expense to average assets | 3.7390% | 1,069 |
| Loan and lease loss provision to assets | 0.0639% | 2,992 |
| Net operating income to assets | 0.2525% | 5,704 |
| Return on assets (ROA) | 0.3314% | 5,533 |
| Pretax return on assets | 0.3314% | 5,722 |
| Return on Equity (ROE) | 4.2468% | 5,041 |
| Retained earnings to average equity (ytd only) | 0.6281% | 5,482 |
| Net charge-offs to loans | 0.0036% | 4,263 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 148.5000% | 415 |
| Efficiency ratio | 91.7761% | 777 |
| Assets per employee ($millions) | 2.5398% | 6,262 |
| Cash dividends to net income (ytd only)* | 85.2090% | 786 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9408% | 5,600 |
| Loan loss allowance to noncurrent loans | 66.2643% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 3,377 |
| Noncurrent loans to loans | 1.4198% | 2,430 |
| Net loans and leases to total assets | 58.4302% | 3,932 |
| Net loans and leases to deposits | 64.0416% | 4,496 |
| Net loans and leases to core deposits | 67.5521% | 4,502 |
| Total domestic deposits to total assets | 91.2378% | 329 |
| Equity capital to assets | 8.1609% | 6,058 |
| Core capital (leverage) ratio | 8.0882% | 6,028 |
| Tier 1 risk-based capital ratio | 12.9708% | 4,931 |
| Total risk-based capital ratio | 13.9899% | 5,012 |
| Memoranda: |
| Average total assets | $187,695,000 | 3,173 |
| Average earning assets | $166,922,000 | 3,236 |
| Average equity | $14,646,330 | 3,918 |
| Average total loans | $110,873,330 | 3,224 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9803% | 3,769 |
| Cost of funding earning assets | 0.3233% | 4,818 |
| Net interest margin | 3.6570% | 3,035 |
| Noninterest income to average assets | 0.6973% | 2,181 |
| Noninterest expense to average assets | 3.6509% | 1,212 |
| Loan and lease loss provision to assets | 0.0640% | 2,840 |
| Net operating income to assets | 0.2388% | 5,694 |
| Return on assets (ROA) | 0.3156% | 5,487 |
| Pretax return on assets | 0.3156% | 5,677 |
| Return on Equity (ROE) | 4.1397% | 4,972 |
| Retained earnings to average equity (ytd only) | 0.2238% | 5,484 |
| Net charge-offs to loans | -0.0144% | 5,191 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9094% | 888 |
| Assets per employee ($millions) | 2.6224% | 6,274 |
| Cash dividends to net income (ytd only)* | 94.5946% | 759 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9185% | 5,811 |
| Loan loss allowance to noncurrent loans | 72.5267% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 3,802 |
| Noncurrent loans to loans | 1.2664% | 2,916 |
| Net loans and leases to total assets | 58.2203% | 3,807 |
| Net loans and leases to deposits | 63.2430% | 4,404 |
| Net loans and leases to core deposits | 66.7110% | 4,422 |
| Total domestic deposits to total assets | 92.0582% | 231 |
| Equity capital to assets | 7.8030% | 6,172 |
| Core capital (leverage) ratio | 8.1412% | 6,001 |
| Tier 1 risk-based capital ratio | 12.6855% | 5,199 |
| Total risk-based capital ratio | 13.6650% | 5,300 |
| Memoranda: |
| Average total assets | $187,570,500 | 3,197 |
| Average earning assets | $167,024,000 | 3,255 |
| Average equity | $14,300,500 | 3,988 |
| Average total loans | $110,880,500 | 3,245 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1106% | 3,693 |
| Cost of funding earning assets | 0.3651% | 5,000 |
| Net interest margin | 3.7455% | 2,875 |
| Noninterest income to average assets | 0.7985% | 2,087 |
| Noninterest expense to average assets | 3.9446% | 927 |
| Loan and lease loss provision to assets | 0.0956% | 3,212 |
| Net operating income to assets | 0.0769% | 6,086 |
| Return on assets (ROA) | 0.1153% | 6,070 |
| Pretax return on assets | 0.1153% | 6,071 |
| Return on Equity (ROE) | 1.3869% | 6,012 |
| Retained earnings to average equity (ytd only) | -1.2878% | 6,101 |
| Net charge-offs to loans | 0.2967% | 2,208 |
| Credit loss provision to net charge-offs | 54.2056% | 3,725 |
| Earnings coverage of net charge-offs (x) | 0.9782% | 4,756 |
| Efficiency ratio | 95.3982% | 674 |
| Assets per employee ($millions) | 2.5879% | 6,328 |
| Cash dividends to net income (ytd only)* | 192.8571% | 91 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8889% | 5,961 |
| Loan loss allowance to noncurrent loans | 79.1165% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 3,848 |
| Noncurrent loans to loans | 1.1235% | 3,290 |
| Net loans and leases to total assets | 58.9441% | 3,882 |
| Net loans and leases to deposits | 63.7864% | 4,527 |
| Net loans and leases to core deposits | 67.2319% | 4,588 |
| Total domestic deposits to total assets | 92.4086% | 212 |
| Equity capital to assets | 7.4427% | 6,309 |
| Core capital (leverage) ratio | 8.2150% | 5,958 |
| Tier 1 risk-based capital ratio | 12.6995% | 5,174 |
| Total risk-based capital ratio | 13.6533% | 5,293 |
| Memoranda: |
| Average total assets | $182,095,200 | 3,254 |
| Average earning assets | $161,338,600 | 3,318 |
| Average equity | $15,141,600 | 3,839 |
| Average total loans | $108,190,200 | 3,283 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1634% | 3,518 |
| Cost of funding earning assets | 0.3715% | 5,084 |
| Net interest margin | 3.7919% | 2,667 |
| Noninterest income to average assets | 0.8256% | 2,030 |
| Noninterest expense to average assets | 4.0028% | 856 |
| Loan and lease loss provision to assets | 0.0950% | 3,175 |
| Net operating income to assets | 0.0803% | 6,172 |
| Return on assets (ROA) | 0.1245% | 6,156 |
| Pretax return on assets | 0.1245% | 6,185 |
| Return on Equity (ROE) | 1.4575% | 6,086 |
| Retained earnings to average equity (ytd only) | -1.5179% | 6,200 |
| Net charge-offs to loans | 0.3583% | 1,765 |
| Credit loss provision to net charge-offs | 44.6367% | 3,621 |
| Earnings coverage of net charge-offs (x) | 0.8235% | 4,580 |
| Efficiency ratio | 95.3993% | 654 |
| Assets per employee ($millions) | 2.5891% | 6,394 |
| Cash dividends to net income (ytd only)* | 204.1406% | 66 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8967% | 6,063 |
| Loan loss allowance to noncurrent loans | 64.9299% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 3,874 |
| Noncurrent loans to loans | 1.3810% | 3,104 |
| Net loans and leases to total assets | 58.4397% | 3,936 |
| Net loans and leases to deposits | 65.8502% | 4,326 |
| Net loans and leases to core deposits | 68.7007% | 4,468 |
| Total domestic deposits to total assets | 88.7465% | 1,695 |
| Equity capital to assets | 7.8068% | 6,255 |
| Core capital (leverage) ratio | 8.4313% | 5,828 |
| Tier 1 risk-based capital ratio | 12.8885% | 5,198 |
| Total risk-based capital ratio | 13.8448% | 5,337 |
| Memoranda: |
| Average total assets | $181,036,750 | 3,288 |
| Average earning assets | $160,057,500 | 3,370 |
| Average equity | $15,460,000 | 3,837 |
| Average total loans | $107,534,000 | 3,317 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1569% | 3,510 |
| Cost of funding earning assets | 0.3787% | 5,153 |
| Net interest margin | 3.7782% | 2,641 |
| Noninterest income to average assets | 0.8473% | 2,010 |
| Noninterest expense to average assets | 3.9765% | 893 |
| Loan and lease loss provision to assets | 0.1777% | 2,138 |
| Net operating income to assets | 0.0278% | 6,266 |
| Return on assets (ROA) | 0.0922% | 6,228 |
| Pretax return on assets | 0.0922% | 6,240 |
| Return on Equity (ROE) | 1.0487% | 6,201 |
| Retained earnings to average equity (ytd only) | -2.5522% | 6,260 |
| Net charge-offs to loans | 0.5334% | 1,238 |
| Credit loss provision to net charge-offs | 55.9441% | 3,103 |
| Earnings coverage of net charge-offs (x) | 0.6469% | 4,307 |
| Efficiency ratio | 94.6893% | 726 |
| Assets per employee ($millions) | 2.4148% | 6,571 |
| Cash dividends to net income (ytd only)* | 343.3735% | 36 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9306% | 6,049 |
| Loan loss allowance to noncurrent loans | 63.6709% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 3,892 |
| Noncurrent loans to loans | 1.4615% | 3,117 |
| Net loans and leases to total assets | 59.1357% | 3,809 |
| Net loans and leases to deposits | 64.4769% | 4,439 |
| Net loans and leases to core deposits | 68.2135% | 4,472 |
| Total domestic deposits to total assets | 91.7160% | 308 |
| Equity capital to assets | 8.0090% | 6,193 |
| Core capital (leverage) ratio | 8.3852% | 5,782 |
| Tier 1 risk-based capital ratio | 13.0149% | 5,135 |
| Total risk-based capital ratio | 13.9470% | 5,295 |
| Memoranda: |
| Average total assets | $180,106,670 | 3,307 |
| Average earning assets | $158,964,330 | 3,414 |
| Average equity | $15,829,670 | 3,799 |
| Average total loans | $107,245,330 | 3,333 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0360% | 3,973 |
| Cost of funding earning assets | 0.3763% | 5,316 |
| Net interest margin | 3.6596% | 3,037 |
| Noninterest income to average assets | 0.8842% | 1,817 |
| Noninterest expense to average assets | 3.8640% | 1,042 |
| Loan and lease loss provision to assets | 0.0668% | 3,520 |
| Net operating income to assets | 0.1804% | 5,947 |
| Return on assets (ROA) | 0.2428% | 5,875 |
| Pretax return on assets | 0.2428% | 5,981 |
| Return on Equity (ROE) | 2.6437% | 5,726 |
| Retained earnings to average equity (ytd only) | -2.2071% | 6,099 |
| Net charge-offs to loans | 0.0712% | 3,129 |
| Credit loss provision to net charge-offs | 157.8947% | 1,313 |
| Earnings coverage of net charge-offs (x) | 5.8421% | 2,317 |
| Efficiency ratio | 93.5536% | 866 |
| Assets per employee ($millions) | 2.5002% | 6,586 |
| Cash dividends to net income (ytd only)* | 183.4862% | 256 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0754% | 5,694 |
| Loan loss allowance to noncurrent loans | 34.7628% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 2,526 |
| Noncurrent loans to loans | 3.0936% | 1,610 |
| Net loans and leases to total assets | 57.6059% | 3,830 |
| Net loans and leases to deposits | 63.4559% | 4,374 |
| Net loans and leases to core deposits | 66.7022% | 4,445 |
| Total domestic deposits to total assets | 90.7811% | 623 |
| Equity capital to assets | 8.9789% | 5,509 |
| Core capital (leverage) ratio | 8.6346% | 5,412 |
| Tier 1 risk-based capital ratio | 13.5049% | 4,870 |
| Total risk-based capital ratio | 14.5858% | 4,935 |
| Memoranda: |
| Average total assets | $179,605,500 | 3,351 |
| Average earning assets | $158,376,000 | 3,461 |
| Average equity | $16,492,000 | 3,740 |
| Average total loans | $106,815,000 | 3,367 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3196% | 4,126 |
| Cost of funding earning assets | 0.4346% | 5,687 |
| Net interest margin | 3.8850% | 2,893 |
| Noninterest income to average assets | 1.2120% | 1,070 |
| Noninterest expense to average assets | 4.4435% | 605 |
| Loan and lease loss provision to assets | 0.0992% | 4,403 |
| Net operating income to assets | 0.1048% | 6,005 |
| Return on assets (ROA) | 0.2209% | 5,918 |
| Pretax return on assets | 0.2209% | 5,959 |
| Return on Equity (ROE) | 2.3039% | 5,820 |
| Retained earnings to average equity (ytd only) | -0.9286% | 6,005 |
| Net charge-offs to loans | 0.0853% | 4,828 |
| Credit loss provision to net charge-offs | 191.3043% | 1,367 |
| Earnings coverage of net charge-offs (x) | 3.9348% | 3,540 |
| Efficiency ratio | 95.2352% | 739 |
| Assets per employee ($millions) | 2.3249% | 6,759 |
| Cash dividends to net income (ytd only)* | 140.3061% | 243 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0545% | 5,745 |
| Loan loss allowance to noncurrent loans | 42.2546% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 1.5960% | 2,995 |
| Noncurrent loans to loans | 2.4956% | 2,118 |
| Net loans and leases to total assets | 60.1121% | 3,586 |
| Net loans and leases to deposits | 66.9455% | 4,139 |
| Net loans and leases to core deposits | 70.6461% | 4,213 |
| Total domestic deposits to total assets | 89.7926% | 1,072 |
| Equity capital to assets | 9.3925% | 5,007 |
| Core capital (leverage) ratio | 8.6826% | 5,354 |
| Tier 1 risk-based capital ratio | 13.9345% | 4,419 |
| Total risk-based capital ratio | 15.0339% | 4,499 |
| Memoranda: |
| Average total assets | $177,473,000 | 3,343 |
| Average earning assets | $156,937,600 | 3,420 |
| Average equity | $17,014,600 | 3,630 |
| Average total loans | $107,814,800 | 3,340 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2662% | 4,589 |
| Cost of funding earning assets | 0.4510% | 5,792 |
| Net interest margin | 3.8152% | 3,268 |
| Noninterest income to average assets | 1.2060% | 1,039 |
| Noninterest expense to average assets | 4.1297% | 794 |
| Loan and lease loss provision to assets | 0.1096% | 4,202 |
| Net operating income to assets | 0.3377% | 5,486 |
| Return on assets (ROA) | 0.4563% | 5,256 |
| Pretax return on assets | 0.4563% | 5,580 |
| Return on Equity (ROE) | 4.7353% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.3988% | 5,134 |
| Net charge-offs to loans | 0.0902% | 4,476 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 8.1645% | 2,494 |
| Efficiency ratio | 89.8508% | 1,050 |
| Assets per employee ($millions) | 2.3270% | 6,839 |
| Cash dividends to net income (ytd only)* | 49.3419% | 1,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9967% | 6,097 |
| Loan loss allowance to noncurrent loans | 35.1190% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 2.0226% | 2,610 |
| Noncurrent loans to loans | 2.8380% | 1,980 |
| Net loans and leases to total assets | 62.9641% | 3,210 |
| Net loans and leases to deposits | 69.9887% | 3,898 |
| Net loans and leases to core deposits | 73.2348% | 4,081 |
| Total domestic deposits to total assets | 89.9632% | 866 |
| Equity capital to assets | 9.7552% | 4,842 |
| Core capital (leverage) ratio | 9.0830% | 4,940 |
| Tier 1 risk-based capital ratio | 13.9924% | 4,524 |
| Total risk-based capital ratio | 15.0550% | 4,641 |
| Memoranda: |
| Average total assets | $177,667,500 | 3,385 |
| Average earning assets | $156,982,750 | 3,466 |
| Average equity | $17,119,250 | 3,634 |
| Average total loans | $107,931,750 | 3,370 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2715% | 4,679 |
| Cost of funding earning assets | 0.4784% | 5,771 |
| Net interest margin | 3.7930% | 3,393 |
| Noninterest income to average assets | 1.1476% | 1,082 |
| Noninterest expense to average assets | 4.0182% | 920 |
| Loan and lease loss provision to assets | 0.0674% | 4,787 |
| Net operating income to assets | 0.4035% | 5,202 |
| Return on assets (ROA) | 0.5249% | 4,974 |
| Pretax return on assets | 0.5249% | 5,377 |
| Return on Equity (ROE) | 5.4700% | 4,596 |
| Retained earnings to average equity (ytd only) | 5.4700% | 3,002 |
| Net charge-offs to loans | 0.0526% | 4,670 |
| Credit loss provision to net charge-offs | 214.2857% | 1,318 |
| Earnings coverage of net charge-offs (x) | 14.9643% | 1,674 |
| Efficiency ratio | 89.1087% | 1,138 |
| Assets per employee ($millions) | 2.2817% | 6,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0019% | 6,151 |
| Loan loss allowance to noncurrent loans | 36.9483% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7581% | 3,093 |
| Noncurrent loans to loans | 2.7117% | 2,213 |
| Net loans and leases to total assets | 59.9601% | 3,827 |
| Net loans and leases to deposits | 66.6400% | 4,427 |
| Net loans and leases to core deposits | 69.6394% | 4,573 |
| Total domestic deposits to total assets | 89.9761% | 938 |
| Equity capital to assets | 9.7856% | 4,649 |
| Core capital (leverage) ratio | 9.1441% | 4,696 |
| Tier 1 risk-based capital ratio | 14.6557% | 3,993 |
| Total risk-based capital ratio | 15.7317% | 4,077 |
| Memoranda: |
| Average total assets | $177,940,000 | 3,389 |
| Average earning assets | $156,761,000 | 3,485 |
| Average equity | $17,075,000 | 3,632 |
| Average total loans | $106,418,000 | 3,418 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2728% | 4,837 |
| Cost of funding earning assets | 0.5223% | 5,661 |
| Net interest margin | 3.7505% | 3,594 |
| Noninterest income to average assets | 1.1083% | 1,152 |
| Noninterest expense to average assets | 3.9028% | 1,061 |
| Loan and lease loss provision to assets | 0.0674% | 4,567 |
| Net operating income to assets | 0.4474% | 5,046 |
| Return on assets (ROA) | 0.5508% | 4,806 |
| Pretax return on assets | 0.5508% | 5,280 |
| Return on Equity (ROE) | 5.7973% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.7973% | 3,078 |
| Net charge-offs to loans | 0.0681% | 3,806 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 12.7222% | 1,580 |
| Efficiency ratio | 87.9389% | 1,290 |
| Assets per employee ($millions) | 2.3301% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0046% | 6,228 |
| Loan loss allowance to noncurrent loans | 39.0855% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7406% | 3,251 |
| Noncurrent loans to loans | 2.5702% | 2,535 |
| Net loans and leases to total assets | 58.2207% | 4,000 |
| Net loans and leases to deposits | 64.4948% | 4,562 |
| Net loans and leases to core deposits | 67.7179% | 4,713 |
| Total domestic deposits to total assets | 90.2719% | 931 |
| Equity capital to assets | 9.5252% | 4,765 |
| Core capital (leverage) ratio | 9.0853% | 4,708 |
| Tier 1 risk-based capital ratio | 14.4739% | 4,130 |
| Total risk-based capital ratio | 15.5337% | 4,225 |
| Memoranda: |
| Average total assets | $177,922,500 | 3,409 |
| Average earning assets | $156,993,000 | 3,492 |
| Average equity | $16,904,500 | 3,666 |
| Average total loans | $105,730,000 | 3,464 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3699% | 5,536 |
| Cost of funding earning assets | 0.6854% | 5,628 |
| Net interest margin | 3.6845% | 4,368 |
| Noninterest income to average assets | 0.9041% | 1,659 |
| Noninterest expense to average assets | 4.0389% | 982 |
| Loan and lease loss provision to assets | 0.0563% | 5,892 |
| Net operating income to assets | 0.1039% | 5,858 |
| Return on assets (ROA) | 0.0148% | 6,131 |
| Pretax return on assets | 0.0148% | 6,101 |
| Return on Equity (ROE) | 0.1794% | 6,125 |
| Retained earnings to average equity (ytd only) | -0.1918% | 5,882 |
| Net charge-offs to loans | 0.1193% | 5,189 |
| Credit loss provision to net charge-offs | 85.9375% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.4453% | 3,989 |
| Efficiency ratio | 95.8085% | 830 |
| Assets per employee ($millions) | 2.3214% | 6,991 |
| Cash dividends to net income (ytd only)* | 206.8966% | 78 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9892% | 6,272 |
| Loan loss allowance to noncurrent loans | 38.5720% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.7259% | 3,362 |
| Noncurrent loans to loans | 2.5646% | 2,560 |
| Net loans and leases to total assets | 59.4544% | 4,097 |
| Net loans and leases to deposits | 65.8441% | 4,757 |
| Net loans and leases to core deposits | 69.6672% | 4,826 |
| Total domestic deposits to total assets | 90.2956% | 816 |
| Equity capital to assets | 9.4765% | 4,921 |
| Core capital (leverage) ratio | 8.8173% | 5,071 |
| Tier 1 risk-based capital ratio | 14.5029% | 3,973 |
| Total risk-based capital ratio | 15.5709% | 4,058 |
| Memoranda: |
| Average total assets | $195,447,600 | 3,109 |
| Average earning assets | $174,788,200 | 3,163 |
| Average equity | $16,164,400 | 3,697 |
| Average total loans | $107,304,800 | 3,441 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4058% | 5,588 |
| Cost of funding earning assets | 0.7185% | 5,657 |
| Net interest margin | 3.6874% | 4,395 |
| Noninterest income to average assets | 0.8385% | 1,883 |
| Noninterest expense to average assets | 3.9113% | 1,132 |
| Loan and lease loss provision to assets | 0.0533% | 5,783 |
| Net operating income to assets | 0.1825% | 5,750 |
| Return on assets (ROA) | 0.2224% | 5,775 |
| Pretax return on assets | 0.2224% | 5,854 |
| Return on Equity (ROE) | 2.7788% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.7788% | 4,697 |
| Net charge-offs to loans | 0.1746% | 4,405 |
| Credit loss provision to net charge-offs | 56.7376% | 4,880 |
| Earnings coverage of net charge-offs (x) | 2.5106% | 3,876 |
| Efficiency ratio | 93.9457% | 922 |
| Assets per employee ($millions) | 2.2894% | 7,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9350% | 6,499 |
| Loan loss allowance to noncurrent loans | 54.8282% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 4,556 |
| Noncurrent loans to loans | 1.7052% | 3,753 |
| Net loans and leases to total assets | 59.6332% | 4,202 |
| Net loans and leases to deposits | 66.1336% | 4,884 |
| Net loans and leases to core deposits | 69.8399% | 4,964 |
| Total domestic deposits to total assets | 90.1708% | 779 |
| Equity capital to assets | 9.5727% | 4,974 |
| Core capital (leverage) ratio | 8.4657% | 5,755 |
| Tier 1 risk-based capital ratio | 14.9399% | 3,696 |
| Total risk-based capital ratio | 15.9751% | 3,797 |
| Memoranda: |
| Average total assets | $200,203,000 | 3,074 |
| Average earning assets | $179,636,250 | 3,114 |
| Average equity | $16,025,750 | 3,732 |
| Average total loans | $107,645,750 | 3,470 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3218% | 5,951 |
| Cost of funding earning assets | 0.7490% | 5,675 |
| Net interest margin | 3.5728% | 4,826 |
| Noninterest income to average assets | 0.7791% | 2,116 |
| Noninterest expense to average assets | 3.6140% | 1,710 |
| Loan and lease loss provision to assets | 0.0579% | 5,593 |
| Net operating income to assets | 0.3452% | 5,193 |
| Return on assets (ROA) | 0.2980% | 5,516 |
| Pretax return on assets | 0.2980% | 5,674 |
| Return on Equity (ROE) | 3.9439% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.9439% | 3,684 |
| Net charge-offs to loans | 0.2117% | 3,873 |
| Credit loss provision to net charge-offs | 52.6316% | 4,517 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,085 |
| Efficiency ratio | 89.5823% | 1,269 |
| Assets per employee ($millions) | 2.4256% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9704% | 6,447 |
| Loan loss allowance to noncurrent loans | 55.1799% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0704% | 4,742 |
| Noncurrent loans to loans | 1.7586% | 3,809 |
| Net loans and leases to total assets | 52.5634% | 5,492 |
| Net loans and leases to deposits | 57.5189% | 5,988 |
| Net loans and leases to core deposits | 62.9650% | 5,813 |
| Total domestic deposits to total assets | 91.3847% | 371 |
| Equity capital to assets | 8.5054% | 6,173 |
| Core capital (leverage) ratio | 7.4182% | 6,797 |
| Tier 1 risk-based capital ratio | 14.4664% | 3,813 |
| Total risk-based capital ratio | 15.4772% | 3,969 |
| Memoranda: |
| Average total assets | $207,414,000 | 3,003 |
| Average earning assets | $187,976,330 | 3,029 |
| Average equity | $15,669,670 | 3,791 |
| Average total loans | $107,697,000 | 3,510 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2303% | 6,205 |
| Cost of funding earning assets | 0.7853% | 5,640 |
| Net interest margin | 3.4450% | 5,246 |
| Noninterest income to average assets | 0.7497% | 2,261 |
| Noninterest expense to average assets | 3.4047% | 2,272 |
| Loan and lease loss provision to assets | 0.0564% | 5,298 |
| Net operating income to assets | 0.4209% | 4,853 |
| Return on assets (ROA) | 0.4209% | 4,942 |
| Pretax return on assets | 0.4209% | 5,279 |
| Return on Equity (ROE) | 5.9146% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.9146% | 2,690 |
| Net charge-offs to loans | 0.3181% | 2,780 |
| Credit loss provision to net charge-offs | 34.4828% | 4,044 |
| Earnings coverage of net charge-offs (x) | 2.9195% | 2,916 |
| Efficiency ratio | 87.3185% | 1,589 |
| Assets per employee ($millions) | 2.6118% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9427% | 6,573 |
| Loan loss allowance to noncurrent loans | 48.5563% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2058% | 4,538 |
| Noncurrent loans to loans | 1.9415% | 3,647 |
| Net loans and leases to total assets | 48.9076% | 5,967 |
| Net loans and leases to deposits | 52.7137% | 6,421 |
| Net loans and leases to core deposits | 63.4135% | 5,791 |
| Total domestic deposits to total assets | 92.7797% | 152 |
| Equity capital to assets | 7.0911% | 7,054 |
| Core capital (leverage) ratio | 7.2178% | 6,911 |
| Tier 1 risk-based capital ratio | 13.4640% | 4,446 |
| Total risk-based capital ratio | 14.3959% | 4,694 |
| Memoranda: |
| Average total assets | $212,883,500 | 2,957 |
| Average earning assets | $193,554,500 | 2,966 |
| Average equity | $15,149,000 | 3,874 |
| Average total loans | $109,402,500 | 3,511 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8169% | 5,359 |
| Cost of funding earning assets | 0.9391% | 5,987 |
| Net interest margin | 3.8778% | 3,600 |
| Noninterest income to average assets | 0.8122% | 2,218 |
| Noninterest expense to average assets | 3.8321% | 1,423 |
| Loan and lease loss provision to assets | 0.0608% | 6,536 |
| Net operating income to assets | 0.4632% | 4,260 |
| Return on assets (ROA) | -0.3078% | 6,264 |
| Pretax return on assets | -0.3078% | 6,165 |
| Return on Equity (ROE) | -3.8212% | 6,347 |
| Retained earnings to average equity (ytd only) | -5.9813% | 6,382 |
| Net charge-offs to loans | 0.1610% | 5,375 |
| Credit loss provision to net charge-offs | 71.2644% | 5,827 |
| Earnings coverage of net charge-offs (x) | 6.1437% | 2,431 |
| Efficiency ratio | 87.6224% | 1,509 |
| Assets per employee ($millions) | 2.5486% | 6,936 |
| Cash dividends to net income (ytd only)* | -56.5287% | 7,592 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9537% | 6,562 |
| Loan loss allowance to noncurrent loans | 46.6113% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 4,460 |
| Noncurrent loans to loans | 2.0461% | 3,491 |
| Net loans and leases to total assets | 52.9736% | 5,785 |
| Net loans and leases to deposits | 58.7936% | 6,180 |
| Net loans and leases to core deposits | 70.1298% | 5,433 |
| Total domestic deposits to total assets | 90.1009% | 1,034 |
| Equity capital to assets | 7.1420% | 7,066 |
| Core capital (leverage) ratio | 7.4644% | 6,730 |
| Tier 1 risk-based capital ratio | 12.2532% | 5,254 |
| Total risk-based capital ratio | 13.1587% | 5,542 |
| Memoranda: |
| Average total assets | $204,011,400 | 3,053 |
| Average earning assets | $186,447,600 | 3,048 |
| Average equity | $16,434,600 | 3,681 |
| Average total loans | $108,050,200 | 3,592 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9919% | 4,855 |
| Cost of funding earning assets | 0.9656% | 6,102 |
| Net interest margin | 4.0262% | 2,975 |
| Noninterest income to average assets | 0.6523% | 3,110 |
| Noninterest expense to average assets | 3.7441% | 1,486 |
| Loan and lease loss provision to assets | 0.0460% | 6,629 |
| Net operating income to assets | 0.5497% | 4,089 |
| Return on assets (ROA) | -0.0750% | 6,248 |
| Pretax return on assets | -0.0750% | 6,195 |
| Return on Equity (ROE) | -0.9041% | 6,270 |
| Retained earnings to average equity (ytd only) | -3.7195% | 6,427 |
| Net charge-offs to loans | 0.1120% | 5,420 |
| Credit loss provision to net charge-offs | 77.7778% | 5,201 |
| Earnings coverage of net charge-offs (x) | 10.0664% | 1,923 |
| Efficiency ratio | 85.9242% | 1,641 |
| Assets per employee ($millions) | 2.3705% | 7,234 |
| Cash dividends to net income (ytd only)* | -311.3947% | 7,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9965% | 6,410 |
| Loan loss allowance to noncurrent loans | 46.0311% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 4,524 |
| Noncurrent loans to loans | 2.1648% | 3,490 |
| Net loans and leases to total assets | 53.4133% | 5,930 |
| Net loans and leases to deposits | 58.2946% | 6,442 |
| Net loans and leases to core deposits | 66.7574% | 6,061 |
| Total domestic deposits to total assets | 91.6264% | 272 |
| Equity capital to assets | 8.1769% | 6,634 |
| Core capital (leverage) ratio | 7.9060% | 6,457 |
| Tier 1 risk-based capital ratio | 12.8988% | 4,656 |
| Total risk-based capital ratio | 13.8460% | 4,875 |
| Memoranda: |
| Average total assets | $202,767,000 | 3,103 |
| Average earning assets | $185,711,000 | 3,101 |
| Average equity | $16,811,750 | 3,674 |
| Average total loans | $107,119,000 | 3,657 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1989% | 3,966 |
| Cost of funding earning assets | 0.9657% | 6,308 |
| Net interest margin | 4.2331% | 2,046 |
| Noninterest income to average assets | 0.5593% | 3,635 |
| Noninterest expense to average assets | 3.8340% | 1,296 |
| Loan and lease loss provision to assets | 0.0148% | 6,769 |
| Net operating income to assets | 0.6087% | 3,845 |
| Return on assets (ROA) | -0.3953% | 6,600 |
| Pretax return on assets | -0.3953% | 6,507 |
| Return on Equity (ROE) | -4.7452% | 6,675 |
| Retained earnings to average equity (ytd only) | -8.9566% | 6,863 |
| Net charge-offs to loans | 0.0641% | 5,501 |
| Credit loss provision to net charge-offs | 44.1176% | 5,536 |
| Earnings coverage of net charge-offs (x) | 18.5588% | 1,286 |
| Efficiency ratio | 85.6795% | 1,755 |
| Assets per employee ($millions) | 2.1671% | 7,465 |
| Cash dividends to net income (ytd only)* | -88.7500% | 7,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0231% | 6,300 |
| Loan loss allowance to noncurrent loans | 60.1096% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.0351% | 5,067 |
| Noncurrent loans to loans | 1.7021% | 4,132 |
| Net loans and leases to total assets | 51.5463% | 6,259 |
| Net loans and leases to deposits | 56.2488% | 6,706 |
| Net loans and leases to core deposits | 65.8474% | 6,256 |
| Total domestic deposits to total assets | 91.6397% | 306 |
| Equity capital to assets | 8.1363% | 6,616 |
| Core capital (leverage) ratio | 7.7264% | 6,578 |
| Tier 1 risk-based capital ratio | 14.1243% | 3,651 |
| Total risk-based capital ratio | 15.1951% | 3,733 |
| Memoranda: |
| Average total assets | $202,400,330 | 3,129 |
| Average earning assets | $186,387,330 | 3,113 |
| Average equity | $16,859,000 | 3,657 |
| Average total loans | $106,162,670 | 3,712 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4132% | 2,974 |
| Cost of funding earning assets | 0.9773% | 6,482 |
| Net interest margin | 4.4359% | 1,282 |
| Noninterest income to average assets | 0.5342% | 3,783 |
| Noninterest expense to average assets | 3.4765% | 2,046 |
| Loan and lease loss provision to assets | 0.0598% | 6,044 |
| Net operating income to assets | 1.0784% | 1,898 |
| Return on assets (ROA) | 0.2910% | 5,464 |
| Pretax return on assets | 0.2910% | 5,631 |
| Return on Equity (ROE) | 3.4530% | 5,138 |
| Retained earnings to average equity (ytd only) | -0.2129% | 5,878 |
| Net charge-offs to loans | 0.0227% | 5,258 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 95.1667% | 342 |
| Efficiency ratio | 74.9892% | 3,409 |
| Assets per employee ($millions) | 2.2043% | 7,546 |
| Cash dividends to net income (ytd only)* | 106.1644% | 530 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0759% | 6,120 |
| Loan loss allowance to noncurrent loans | 56.9431% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 5,110 |
| Noncurrent loans to loans | 1.8894% | 3,939 |
| Net loans and leases to total assets | 52.8367% | 6,173 |
| Net loans and leases to deposits | 57.6591% | 6,644 |
| Net loans and leases to core deposits | 68.6410% | 6,036 |
| Total domestic deposits to total assets | 91.6364% | 337 |
| Equity capital to assets | 8.2240% | 6,402 |
| Core capital (leverage) ratio | 8.0502% | 6,163 |
| Tier 1 risk-based capital ratio | 14.5962% | 3,324 |
| Total risk-based capital ratio | 15.6914% | 3,383 |
| Memoranda: |
| Average total assets | $200,661,000 | 3,208 |
| Average earning assets | $184,586,000 | 3,194 |
| Average equity | $16,913,000 | 3,673 |
| Average total loans | $105,634,000 | 3,788 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6031% | 3,588 |
| Cost of funding earning assets | 1.4063% | 5,908 |
| Net interest margin | 4.1968% | 2,071 |
| Noninterest income to average assets | 0.4723% | 4,636 |
| Noninterest expense to average assets | 3.8289% | 1,637 |
| Loan and lease loss provision to assets | 0.0667% | 6,909 |
| Net operating income to assets | 0.4414% | 3,965 |
| Return on assets (ROA) | 0.6608% | 3,144 |
| Pretax return on assets | 0.6608% | 3,703 |
| Return on Equity (ROE) | 8.2071% | 2,288 |
| Retained earnings to average equity (ytd only) | 3.9262% | 2,463 |
| Net charge-offs to loans | 0.2012% | 5,386 |
| Credit loss provision to net charge-offs | 62.7803% | 6,601 |
| Earnings coverage of net charge-offs (x) | 4.7848% | 2,819 |
| Efficiency ratio | 87.9460% | 1,885 |
| Assets per employee ($millions) | 2.2301% | 7,546 |
| Cash dividends to net income (ytd only)* | 52.1614% | 2,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0597% | 6,088 |
| Loan loss allowance to noncurrent loans | 51.0055% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 4,882 |
| Noncurrent loans to loans | 2.0777% | 3,552 |
| Net loans and leases to total assets | 51.3420% | 6,495 |
| Net loans and leases to deposits | 58.1467% | 6,775 |
| Net loans and leases to core deposits | 80.7967% | 6,015 |
| Total domestic deposits to total assets | 88.2975% | 1,822 |
| Equity capital to assets | 8.6287% | 5,693 |
| Core capital (leverage) ratio | 8.2338% | 5,760 |
| Tier 1 risk-based capital ratio | 14.8763% | 3,014 |
| Total risk-based capital ratio | 15.9709% | 3,046 |
| Memoranda: |
| Average total assets | $210,034,000 | 3,064 |
| Average earning assets | $193,411,200 | 3,058 |
| Average equity | $16,912,200 | 3,688 |
| Average total loans | $110,847,200 | 3,672 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7055% | 3,315 |
| Cost of funding earning assets | 1.5305% | 5,715 |
| Net interest margin | 4.1750% | 2,135 |
| Noninterest income to average assets | 0.4469% | 4,918 |
| Noninterest expense to average assets | 3.6082% | 2,014 |
| Loan and lease loss provision to assets | 0.0692% | 6,668 |
| Net operating income to assets | 0.6175% | 3,540 |
| Return on assets (ROA) | 0.8360% | 2,734 |
| Pretax return on assets | 0.8360% | 3,421 |
| Return on Equity (ROE) | 10.5630% | 1,744 |
| Retained earnings to average equity (ytd only) | 5.6394% | 2,134 |
| Net charge-offs to loans | 0.1853% | 4,908 |
| Credit loss provision to net charge-offs | 70.5128% | 5,974 |
| Earnings coverage of net charge-offs (x) | 6.9937% | 2,497 |
| Efficiency ratio | 83.6729% | 2,330 |
| Assets per employee ($millions) | 2.1551% | 7,654 |
| Cash dividends to net income (ytd only)* | 46.6114% | 2,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0726% | 5,883 |
| Loan loss allowance to noncurrent loans | 72.8824% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 5,409 |
| Noncurrent loans to loans | 1.4717% | 4,476 |
| Net loans and leases to total assets | 54.2236% | 6,357 |
| Net loans and leases to deposits | 60.0038% | 6,828 |
| Net loans and leases to core deposits | 78.5934% | 6,444 |
| Total domestic deposits to total assets | 90.3668% | 633 |
| Equity capital to assets | 9.3344% | 4,977 |
| Core capital (leverage) ratio | 8.2450% | 5,928 |
| Tier 1 risk-based capital ratio | 14.8208% | 3,123 |
| Total risk-based capital ratio | 15.9419% | 3,127 |
| Memoranda: |
| Average total assets | $211,807,750 | 3,068 |
| Average earning assets | $195,221,250 | 3,054 |
| Average equity | $16,762,500 | 3,755 |
| Average total loans | $112,231,750 | 3,677 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6857% | 3,629 |
| Cost of funding earning assets | 1.6790% | 5,372 |
| Net interest margin | 4.0067% | 2,669 |
| Noninterest income to average assets | 0.4027% | 5,261 |
| Noninterest expense to average assets | 3.4353% | 2,520 |
| Loan and lease loss provision to assets | 0.0737% | 6,455 |
| Net operating income to assets | 0.5990% | 3,679 |
| Return on assets (ROA) | 1.0063% | 2,179 |
| Pretax return on assets | 1.0063% | 2,984 |
| Return on Equity (ROE) | 13.4417% | 1,086 |
| Retained earnings to average equity (ytd only) | 9.4289% | 832 |
| Net charge-offs to loans | -0.0018% | 7,476 |
| Credit loss provision to net charge-offs | -8,000.0000% | 7,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2660% | 2,572 |
| Assets per employee ($millions) | 2.1863% | 7,690 |
| Cash dividends to net income (ytd only)* | 29.8535% | 2,849 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1365% | 5,351 |
| Loan loss allowance to noncurrent loans | 83.2791% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 5,519 |
| Noncurrent loans to loans | 1.3647% | 4,486 |
| Net loans and leases to total assets | 53.0505% | 6,562 |
| Net loans and leases to deposits | 59.0529% | 6,962 |
| Net loans and leases to core deposits | 82.0412% | 6,237 |
| Total domestic deposits to total assets | 89.8357% | 897 |
| Equity capital to assets | 6.9592% | 7,633 |
| Core capital (leverage) ratio | 7.5999% | 6,903 |
| Tier 1 risk-based capital ratio | 12.3992% | 4,599 |
| Total risk-based capital ratio | 13.4469% | 4,667 |
| Memoranda: |
| Average total assets | $217,039,000 | 3,016 |
| Average earning assets | $200,715,330 | 2,991 |
| Average equity | $16,248,000 | 3,876 |
| Average total loans | $113,811,330 | 3,680 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7433% | 3,568 |
| Cost of funding earning assets | 1.7391% | 5,429 |
| Net interest margin | 4.0042% | 2,624 |
| Noninterest income to average assets | 0.3753% | 5,430 |
| Noninterest expense to average assets | 3.3542% | 2,484 |
| Loan and lease loss provision to assets | 0.1088% | 5,579 |
| Net operating income to assets | 0.6110% | 3,970 |
| Return on assets (ROA) | 0.8141% | 3,226 |
| Pretax return on assets | 0.8141% | 4,025 |
| Return on Equity (ROE) | 10.5220% | 2,116 |
| Retained earnings to average equity (ytd only) | 4.5463% | 3,404 |
| Net charge-offs to loans | -0.0035% | 7,148 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9760% | 2,535 |
| Assets per employee ($millions) | 2.4604% | 7,357 |
| Cash dividends to net income (ytd only)* | 56.7929% | 1,573 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0929% | 5,524 |
| Loan loss allowance to noncurrent loans | 73.4266% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 5,145 |
| Noncurrent loans to loans | 1.4884% | 4,059 |
| Net loans and leases to total assets | 50.9313% | 6,772 |
| Net loans and leases to deposits | 56.7056% | 7,116 |
| Net loans and leases to core deposits | 77.5484% | 6,566 |
| Total domestic deposits to total assets | 89.8170% | 880 |
| Equity capital to assets | 7.2146% | 7,554 |
| Core capital (leverage) ratio | 7.3849% | 7,291 |
| Tier 1 risk-based capital ratio | 12.4163% | 4,602 |
| Total risk-based capital ratio | 13.4879% | 4,669 |
| Memoranda: |
| Average total assets | $220,618,000 | 2,980 |
| Average earning assets | $203,787,000 | 2,969 |
| Average equity | $17,069,000 | 3,719 |
| Average total loans | $114,405,500 | 3,688 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3282% | 3,802 |
| Cost of funding earning assets | 2.0781% | 6,140 |
| Net interest margin | 4.2501% | 2,115 |
| Noninterest income to average assets | 0.4662% | 4,915 |
| Noninterest expense to average assets | 3.5291% | 2,318 |
| Loan and lease loss provision to assets | 0.1127% | 5,930 |
| Net operating income to assets | 0.7657% | 3,589 |
| Return on assets (ROA) | 0.8062% | 3,252 |
| Pretax return on assets | 0.8062% | 4,044 |
| Return on Equity (ROE) | 10.4272% | 2,116 |
| Retained earnings to average equity (ytd only) | 4.5946% | 2,269 |
| Net charge-offs to loans | 0.1772% | 4,433 |
| Credit loss provision to net charge-offs | 119.5122% | 4,504 |
| Earnings coverage of net charge-offs (x) | 9.3122% | 2,709 |
| Efficiency ratio | 79.7452% | 2,635 |
| Assets per employee ($millions) | 2.3122% | 7,543 |
| Cash dividends to net income (ytd only)* | 55.9361% | 2,842 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0562% | 5,569 |
| Loan loss allowance to noncurrent loans | 72.0120% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8144% | 4,810 |
| Noncurrent loans to loans | 1.4667% | 3,598 |
| Net loans and leases to total assets | 51.6789% | 6,874 |
| Net loans and leases to deposits | 63.5645% | 6,837 |
| Net loans and leases to core deposits | 85.6549% | 6,155 |
| Total domestic deposits to total assets | 81.3015% | 4,511 |
| Equity capital to assets | 8.2749% | 6,450 |
| Core capital (leverage) ratio | 7.2942% | 7,424 |
| Tier 1 risk-based capital ratio | 13.2210% | 3,982 |
| Total risk-based capital ratio | 14.3256% | 3,978 |
| Memoranda: |
| Average total assets | $217,310,400 | 2,911 |
| Average earning assets | $201,526,200 | 2,878 |
| Average equity | $16,802,200 | 3,773 |
| Average total loans | $115,667,400 | 3,549 |
