| 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 | 7.4943% | 163 |
| Cost of funding earning assets | 2.4046% | 456 |
| Net interest margin | 5.0897% | 284 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 1.9740% | 3,696 |
| Loan and lease loss provision to assets | 1.2500% | 50 |
| Net operating income to assets | 1.6708% | 770 |
| Return on assets (ROA) | 1.6701% | 744 |
| Pretax return on assets | 2.1986% | 490 |
| Return on Equity (ROE) | 17.8300% | 839 |
| Retained earnings to average equity (ytd only) | 13.5502% | 442 |
| Net charge-offs to loans | 1.2514% | 73 |
| Credit loss provision to net charge-offs | 128.5723% | 1,609 |
| Earnings coverage of net charge-offs (x) | 3.5440% | 2,633 |
| Efficiency ratio | 36.4036% | 4,430 |
| Assets per employee ($millions) | 14.3956% | 235 |
| Cash dividends to net income (ytd only)* | 24.0071% | 2,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4462% | 1,215 |
| Loan loss allowance to noncurrent loans | 67.9774% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 215 |
| Noncurrent loans to loans | 2.1275% | 255 |
| Net loans and leases to total assets | 75.7800% | 1,146 |
| Net loans and leases to deposits | 84.3181% | 1,751 |
| Net loans and leases to core deposits | 109.0167% | 991 |
| Total domestic deposits to total assets | 89.8800% | 792 |
| Equity capital to assets | 9.5600% | 2,302 |
| Core capital (leverage) ratio | 9.4965% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7482% | 2,322 |
| Memoranda: |
| Average total assets | $1,693,028,400 | 648 |
| Average earning assets | $1,621,828,200 | 629 |
| Average equity | $158,572,800 | 648 |
| Average total loans | $1,316,397,200 | 577 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3987% | 156 |
| Cost of funding earning assets | 2.3151% | 396 |
| Net interest margin | 5.0836% | 285 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.7856% | 4,007 |
| Loan and lease loss provision to assets | 0.4500% | 176 |
| Net operating income to assets | 2.1683% | 392 |
| Return on assets (ROA) | 2.1674% | 389 |
| Pretax return on assets | 2.8411% | 268 |
| Return on Equity (ROE) | 23.2700% | 477 |
| Retained earnings to average equity (ytd only) | 19.1130% | 296 |
| Net charge-offs to loans | 0.0015% | 2,540 |
| Credit loss provision to net charge-offs | 37,866.6667% | 4 |
| Earnings coverage of net charge-offs (x) | 2,754.8667% | 43 |
| Efficiency ratio | 35.1664% | 4,461 |
| Assets per employee ($millions) | 14.5196% | 218 |
| Cash dividends to net income (ytd only)* | 17.8564% | 2,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4814% | 1,158 |
| Loan loss allowance to noncurrent loans | 40.4098% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 2.8847% | 75 |
| Noncurrent loans to loans | 3.6658% | 94 |
| Net loans and leases to total assets | 77.5300% | 942 |
| Net loans and leases to deposits | 86.1734% | 1,551 |
| Net loans and leases to core deposits | 119.6104% | 557 |
| Total domestic deposits to total assets | 89.9600% | 949 |
| Equity capital to assets | 9.4194% | 2,147 |
| Core capital (leverage) ratio | 9.7534% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6440% | 2,409 |
| Memoranda: |
| Average total assets | $1,673,621,750 | 661 |
| Average earning assets | $1,606,437,750 | 635 |
| Average equity | $155,897,250 | 651 |
| Average total loans | $1,305,107,500 | 583 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3001% | 144 |
| Cost of funding earning assets | 2.1495% | 373 |
| Net interest margin | 5.1505% | 256 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.8376% | 3,933 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 2.3594% | 285 |
| Return on assets (ROA) | 2.3586% | 279 |
| Pretax return on assets | 3.1027% | 187 |
| Return on Equity (ROE) | 25.4200% | 361 |
| Retained earnings to average equity (ytd only) | 21.5758% | 199 |
| Net charge-offs to loans | 0.0025% | 2,257 |
| Credit loss provision to net charge-offs | 8,806.2500% | 69 |
| Earnings coverage of net charge-offs (x) | 1,684.5000% | 80 |
| Efficiency ratio | 35.8744% | 4,478 |
| Assets per employee ($millions) | 13.3357% | 276 |
| Cash dividends to net income (ytd only)* | 15.1346% | 2,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2828% | 2,003 |
| Loan loss allowance to noncurrent loans | 94.8566% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 445 |
| Noncurrent loans to loans | 1.3523% | 523 |
| Net loans and leases to total assets | 75.0100% | 1,162 |
| Net loans and leases to deposits | 83.4506% | 1,725 |
| Net loans and leases to core deposits | 121.6687% | 480 |
| Total domestic deposits to total assets | 89.8800% | 957 |
| Equity capital to assets | 9.5655% | 2,117 |
| Core capital (leverage) ratio | 9.7094% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0983% | 2,261 |
| Memoranda: |
| Average total assets | $1,641,033,000 | 660 |
| Average earning assets | $1,574,207,333 | 634 |
| Average equity | $152,244,667 | 662 |
| Average total loans | $1,275,503,333 | 581 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0333% | 114 |
| Cost of funding earning assets | 1.8929% | 370 |
| Net interest margin | 5.1404% | 238 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.8934% | 3,860 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.3700% | 290 |
| Return on assets (ROA) | 2.3698% | 286 |
| Pretax return on assets | 3.0968% | 185 |
| Return on Equity (ROE) | 25.9600% | 366 |
| Retained earnings to average equity (ytd only) | 22.0050% | 285 |
| Net charge-offs to loans | 0.0022% | 1,953 |
| Credit loss provision to net charge-offs | 6,785.7143% | 71 |
| Earnings coverage of net charge-offs (x) | 1,861.2857% | 47 |
| Efficiency ratio | 37.0701% | 4,513 |
| Assets per employee ($millions) | 13.4924% | 276 |
| Cash dividends to net income (ytd only)* | 15.2405% | 2,084 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2078% | 2,511 |
| Loan loss allowance to noncurrent loans | 84.2438% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 359 |
| Noncurrent loans to loans | 1.4337% | 459 |
| Net loans and leases to total assets | 76.1600% | 957 |
| Net loans and leases to deposits | 84.7183% | 1,452 |
| Net loans and leases to core deposits | 111.5347% | 654 |
| Total domestic deposits to total assets | 89.9000% | 1,193 |
| Equity capital to assets | 9.2167% | 2,353 |
| Core capital (leverage) ratio | 9.4788% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5028% | 2,570 |
| Memoranda: |
| Average total assets | $1,621,401,500 | 680 |
| Average earning assets | $1,558,247,000 | 648 |
| Average equity | $148,003,000 | 686 |
| Average total loans | $1,274,910,000 | 588 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5321% | 149 |
| Cost of funding earning assets | 0.6540% | 706 |
| Net interest margin | 4.8780% | 157 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.9350% | 3,758 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 2.0041% | 298 |
| Return on assets (ROA) | 1.9973% | 288 |
| Pretax return on assets | 2.6456% | 173 |
| Return on Equity (ROE) | 22.3400% | 318 |
| Retained earnings to average equity (ytd only) | 18.7698% | 117 |
| Net charge-offs to loans | 0.0043% | 2,291 |
| Credit loss provision to net charge-offs | 8,936.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 877.0400% | 204 |
| Efficiency ratio | 39.5687% | 4,546 |
| Assets per employee ($millions) | 12.8718% | 315 |
| Cash dividends to net income (ytd only)* | 15.9862% | 3,036 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1597% | 2,583 |
| Loan loss allowance to noncurrent loans | 81.9284% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 345 |
| Noncurrent loans to loans | 1.4156% | 468 |
| Net loans and leases to total assets | 79.3100% | 668 |
| Net loans and leases to deposits | 87.8328% | 1,187 |
| Net loans and leases to core deposits | 110.4229% | 597 |
| Total domestic deposits to total assets | 90.3000% | 1,237 |
| Equity capital to assets | 9.0352% | 2,335 |
| Core capital (leverage) ratio | 9.1808% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4156% | 2,606 |
| Memoranda: |
| Average total assets | $1,483,869,600 | 707 |
| Average earning assets | $1,425,286,200 | 680 |
| Average equity | $132,659,800 | 741 |
| Average total loans | $1,149,609,200 | 602 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0783% | 191 |
| Cost of funding earning assets | 0.4036% | 1,259 |
| Net interest margin | 4.6748% | 171 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.8811% | 3,793 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 1.9510% | 310 |
| Return on assets (ROA) | 1.9418% | 316 |
| Pretax return on assets | 2.5491% | 199 |
| Return on Equity (ROE) | 21.7800% | 306 |
| Retained earnings to average equity (ytd only) | 18.4748% | 146 |
| Net charge-offs to loans | 0.0007% | 2,310 |
| Credit loss provision to net charge-offs | 47,383.3333% | 10 |
| Earnings coverage of net charge-offs (x) | 5,144.1667% | 22 |
| Efficiency ratio | 40.0097% | 4,571 |
| Assets per employee ($millions) | 13.6205% | 259 |
| Cash dividends to net income (ytd only)* | 15.1866% | 2,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0664% | 3,166 |
| Loan loss allowance to noncurrent loans | 72.4364% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 375 |
| Noncurrent loans to loans | 1.4722% | 482 |
| Net loans and leases to total assets | 77.2300% | 780 |
| Net loans and leases to deposits | 84.8733% | 1,242 |
| Net loans and leases to core deposits | 98.6162% | 873 |
| Total domestic deposits to total assets | 90.9900% | 1,247 |
| Equity capital to assets | 8.5296% | 2,524 |
| Core capital (leverage) ratio | 9.0120% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0992% | 2,788 |
| Memoranda: |
| Average total assets | $1,459,028,250 | 724 |
| Average earning assets | $1,401,185,250 | 695 |
| Average equity | $130,062,500 | 763 |
| Average total loans | $1,119,397,250 | 609 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6450% | 278 |
| Cost of funding earning assets | 0.2342% | 2,457 |
| Net interest margin | 4.4109% | 224 |
| Noninterest income to average assets | 0.2086% | 3,949 |
| Noninterest expense to average assets | 1.8928% | 3,718 |
| Loan and lease loss provision to assets | 0.0698% | 1,366 |
| Net operating income to assets | 1.8750% | 284 |
| Return on assets (ROA) | 1.8620% | 287 |
| Pretax return on assets | 2.4651% | 173 |
| Return on Equity (ROE) | 20.5581% | 275 |
| Retained earnings to average equity (ytd only) | 17.1602% | 143 |
| Net charge-offs to loans | -0.0015% | 3,077 |
| Credit loss provision to net charge-offs | -6,187.5000% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5916% | 4,552 |
| Assets per employee ($millions) | 12.0892% | 371 |
| Cash dividends to net income (ytd only)* | 16.5279% | 2,597 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9384% | 3,841 |
| Loan loss allowance to noncurrent loans | 113.3948% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 859 |
| Noncurrent loans to loans | 0.8275% | 1,035 |
| Net loans and leases to total assets | 76.8094% | 652 |
| Net loans and leases to deposits | 84.8121% | 1,065 |
| Net loans and leases to core deposits | 99.2287% | 698 |
| Total domestic deposits to total assets | 90.5642% | 1,434 |
| Equity capital to assets | 8.7726% | 2,553 |
| Core capital (leverage) ratio | 8.9690% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1454% | 2,773 |
| Memoranda: |
| Average total assets | $1,418,711,333 | 732 |
| Average earning assets | $1,362,318,667 | 705 |
| Average equity | $128,494,667 | 782 |
| Average total loans | $1,081,411,667 | 615 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5043% | 311 |
| Cost of funding earning assets | 0.2158% | 2,583 |
| Net interest margin | 4.2885% | 244 |
| Noninterest income to average assets | 0.2245% | 3,817 |
| Noninterest expense to average assets | 1.8596% | 3,780 |
| Loan and lease loss provision to assets | 0.0797% | 1,029 |
| Net operating income to assets | 1.8155% | 318 |
| Return on assets (ROA) | 1.7865% | 337 |
| Pretax return on assets | 2.3652% | 215 |
| Return on Equity (ROE) | 19.3979% | 250 |
| Retained earnings to average equity (ytd only) | 15.9757% | 234 |
| Net charge-offs to loans | -0.0027% | 3,155 |
| Credit loss provision to net charge-offs | -3,942.8571% | 3,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8362% | 4,587 |
| Assets per employee ($millions) | 11.6412% | 435 |
| Cash dividends to net income (ytd only)* | 17.6423% | 2,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9976% | 3,748 |
| Loan loss allowance to noncurrent loans | 108.9423% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 837 |
| Noncurrent loans to loans | 0.9157% | 999 |
| Net loans and leases to total assets | 74.0597% | 655 |
| Net loans and leases to deposits | 81.9435% | 1,017 |
| Net loans and leases to core deposits | 92.1362% | 805 |
| Total domestic deposits to total assets | 90.3790% | 1,340 |
| Equity capital to assets | 9.0305% | 2,685 |
| Core capital (leverage) ratio | 9.2816% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5546% | 2,757 |
| Memoranda: |
| Average total assets | $1,384,582,000 | 754 |
| Average earning assets | $1,329,127,000 | 724 |
| Average equity | $127,519,000 | 804 |
| Average total loans | $1,045,641,500 | 631 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1474% | 209 |
| Cost of funding earning assets | 0.2775% | 2,626 |
| Net interest margin | 4.8699% | 162 |
| Noninterest income to average assets | 0.1737% | 4,287 |
| Noninterest expense to average assets | 1.7992% | 4,147 |
| Loan and lease loss provision to assets | 0.3671% | 192 |
| Net operating income to assets | 2.0362% | 319 |
| Return on assets (ROA) | 2.0361% | 333 |
| Pretax return on assets | 2.7179% | 192 |
| Return on Equity (ROE) | 19.9287% | 312 |
| Retained earnings to average equity (ytd only) | 16.4204% | 150 |
| Net charge-offs to loans | 0.3814% | 220 |
| Credit loss provision to net charge-offs | 119.3539% | 1,652 |
| Earnings coverage of net charge-offs (x) | 10.0314% | 2,227 |
| Efficiency ratio | 36.8362% | 4,740 |
| Assets per employee ($millions) | 11.0568% | 498 |
| Cash dividends to net income (ytd only)* | 17.6044% | 3,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0027% | 3,742 |
| Loan loss allowance to noncurrent loans | 99.3834% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 793 |
| Noncurrent loans to loans | 1.0089% | 976 |
| Net loans and leases to total assets | 75.5078% | 550 |
| Net loans and leases to deposits | 83.6365% | 931 |
| Net loans and leases to core deposits | 92.4938% | 850 |
| Total domestic deposits to total assets | 90.2809% | 826 |
| Equity capital to assets | 9.3988% | 3,224 |
| Core capital (leverage) ratio | 10.5476% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5428% | 2,767 |
| Memoranda: |
| Average total assets | $1,137,416,400 | 871 |
| Average earning assets | $1,100,181,400 | 835 |
| Average equity | $116,209,200 | 900 |
| Average total loans | $917,247,600 | 712 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2992% | 194 |
| Cost of funding earning assets | 0.3010% | 2,584 |
| Net interest margin | 4.9981% | 158 |
| Noninterest income to average assets | 0.1682% | 4,361 |
| Noninterest expense to average assets | 1.7537% | 4,254 |
| Loan and lease loss provision to assets | 0.4087% | 153 |
| Net operating income to assets | 2.1481% | 352 |
| Return on assets (ROA) | 2.1481% | 371 |
| Pretax return on assets | 2.8553% | 212 |
| Return on Equity (ROE) | 20.5139% | 390 |
| Retained earnings to average equity (ytd only) | 17.0047% | 239 |
| Net charge-offs to loans | 0.5484% | 143 |
| Credit loss provision to net charge-offs | 90.8967% | 1,662 |
| Earnings coverage of net charge-offs (x) | 7.2583% | 2,146 |
| Efficiency ratio | 34.9495% | 4,828 |
| Assets per employee ($millions) | 13.4734% | 269 |
| Cash dividends to net income (ytd only)* | 17.1064% | 2,662 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0053% | 3,823 |
| Loan loss allowance to noncurrent loans | 93.8010% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 805 |
| Noncurrent loans to loans | 1.0717% | 1,058 |
| Net loans and leases to total assets | 80.0179% | 291 |
| Net loans and leases to deposits | 89.9581% | 609 |
| Net loans and leases to core deposits | 106.9367% | 392 |
| Total domestic deposits to total assets | 88.9502% | 1,308 |
| Equity capital to assets | 10.5967% | 2,368 |
| Core capital (leverage) ratio | 11.5078% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8179% | 2,041 |
| Memoranda: |
| Average total assets | $1,084,537,500 | 907 |
| Average earning assets | $1,052,317,750 | 874 |
| Average equity | $113,565,500 | 928 |
| Average total loans | $889,343,250 | 747 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3822% | 199 |
| Cost of funding earning assets | 0.3189% | 2,599 |
| Net interest margin | 5.0634% | 158 |
| Noninterest income to average assets | 0.1468% | 4,463 |
| Noninterest expense to average assets | 1.7775% | 4,231 |
| Loan and lease loss provision to assets | 0.4839% | 114 |
| Net operating income to assets | 2.1064% | 401 |
| Return on assets (ROA) | 2.1064% | 423 |
| Pretax return on assets | 2.7998% | 234 |
| Return on Equity (ROE) | 20.2022% | 442 |
| Retained earnings to average equity (ytd only) | 16.6137% | 296 |
| Net charge-offs to loans | -0.0210% | 4,018 |
| Credit loss provision to net charge-offs | -2,798.9130% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1205% | 4,856 |
| Assets per employee ($millions) | 13.1636% | 274 |
| Cash dividends to net income (ytd only)* | 17.7625% | 2,608 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3185% | 2,348 |
| Loan loss allowance to noncurrent loans | 89.6547% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 556 |
| Noncurrent loans to loans | 1.4707% | 776 |
| Net loans and leases to total assets | 81.3572% | 244 |
| Net loans and leases to deposits | 91.2896% | 578 |
| Net loans and leases to core deposits | 110.1608% | 356 |
| Total domestic deposits to total assets | 89.1199% | 1,221 |
| Equity capital to assets | 10.2431% | 2,623 |
| Core capital (leverage) ratio | 11.2814% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4839% | 2,171 |
| Memoranda: |
| Average total assets | $1,064,304,667 | 918 |
| Average earning assets | $1,032,991,000 | 881 |
| Average equity | $110,968,333 | 932 |
| Average total loans | $877,224,333 | 755 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2806% | 239 |
| Cost of funding earning assets | 0.3504% | 2,512 |
| Net interest margin | 4.9302% | 201 |
| Noninterest income to average assets | 0.1312% | 4,549 |
| Noninterest expense to average assets | 1.7701% | 4,263 |
| Loan and lease loss provision to assets | 0.4949% | 132 |
| Net operating income to assets | 1.9813% | 584 |
| Return on assets (ROA) | 1.9813% | 627 |
| Pretax return on assets | 2.6513% | 354 |
| Return on Equity (ROE) | 18.8213% | 642 |
| Retained earnings to average equity (ytd only) | 15.1522% | 614 |
| Net charge-offs to loans | 0.0236% | 1,277 |
| Credit loss provision to net charge-offs | 2,550.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 162.1000% | 463 |
| Efficiency ratio | 36.0047% | 4,846 |
| Assets per employee ($millions) | 12.9031% | 286 |
| Cash dividends to net income (ytd only)* | 19.4945% | 2,022 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2612% | 2,611 |
| Loan loss allowance to noncurrent loans | 66.3369% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 385 |
| Noncurrent loans to loans | 1.9012% | 586 |
| Net loans and leases to total assets | 81.3799% | 257 |
| Net loans and leases to deposits | 91.5138% | 620 |
| Net loans and leases to core deposits | 112.5092% | 352 |
| Total domestic deposits to total assets | 88.9264% | 1,379 |
| Equity capital to assets | 10.5897% | 2,180 |
| Core capital (leverage) ratio | 11.2275% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3512% | 1,795 |
| Memoranda: |
| Average total assets | $1,030,422,000 | 930 |
| Average earning assets | $1,000,123,000 | 897 |
| Average equity | $108,473,000 | 945 |
| Average total loans | $849,173,000 | 767 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6937% | 137 |
| Cost of funding earning assets | 0.6564% | 1,953 |
| Net interest margin | 5.0373% | 113 |
| Noninterest income to average assets | 0.1747% | 4,411 |
| Noninterest expense to average assets | 1.8303% | 4,425 |
| Loan and lease loss provision to assets | 0.5538% | 394 |
| Net operating income to assets | 1.9944% | 266 |
| Return on assets (ROA) | 1.9944% | 284 |
| Pretax return on assets | 2.6795% | 155 |
| Return on Equity (ROE) | 19.0131% | 275 |
| Retained earnings to average equity (ytd only) | 15.2955% | 144 |
| Net charge-offs to loans | 0.4391% | 382 |
| Credit loss provision to net charge-offs | 150.4076% | 2,422 |
| Earnings coverage of net charge-offs (x) | 8.7810% | 2,573 |
| Efficiency ratio | 36.1464% | 4,935 |
| Assets per employee ($millions) | 12.6962% | 281 |
| Cash dividends to net income (ytd only)* | 19.5526% | 3,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1517% | 3,203 |
| Loan loss allowance to noncurrent loans | 58.2981% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 420 |
| Noncurrent loans to loans | 1.9755% | 589 |
| Net loans and leases to total assets | 81.4518% | 330 |
| Net loans and leases to deposits | 91.3285% | 828 |
| Net loans and leases to core deposits | 113.7639% | 415 |
| Total domestic deposits to total assets | 89.1855% | 907 |
| Equity capital to assets | 10.4626% | 2,705 |
| Core capital (leverage) ratio | 10.7764% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7480% | 1,952 |
| Memoranda: |
| Average total assets | $966,001,800 | 905 |
| Average earning assets | $937,542,000 | 868 |
| Average equity | $101,330,200 | 953 |
| Average total loans | $810,068,600 | 777 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7677% | 145 |
| Cost of funding earning assets | 0.7240% | 1,881 |
| Net interest margin | 5.0436% | 129 |
| Noninterest income to average assets | 0.1381% | 4,609 |
| Noninterest expense to average assets | 1.8381% | 4,428 |
| Loan and lease loss provision to assets | 0.4614% | 681 |
| Net operating income to assets | 2.0309% | 273 |
| Return on assets (ROA) | 2.0309% | 297 |
| Pretax return on assets | 2.7359% | 147 |
| Return on Equity (ROE) | 19.3477% | 271 |
| Retained earnings to average equity (ytd only) | 15.6540% | 172 |
| Net charge-offs to loans | 0.0023% | 3,101 |
| Credit loss provision to net charge-offs | 23,571.4286% | 56 |
| Earnings coverage of net charge-offs (x) | 1,633.3571% | 72 |
| Efficiency ratio | 36.5035% | 4,945 |
| Assets per employee ($millions) | 12.3093% | 304 |
| Cash dividends to net income (ytd only)* | 19.0912% | 2,830 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2636% | 2,332 |
| Loan loss allowance to noncurrent loans | 54.2579% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.1097% | 294 |
| Noncurrent loans to loans | 2.3289% | 470 |
| Net loans and leases to total assets | 89.4417% | 50 |
| Net loans and leases to deposits | 100.6594% | 511 |
| Net loans and leases to core deposits | 117.7234% | 462 |
| Total domestic deposits to total assets | 88.8557% | 836 |
| Equity capital to assets | 10.7130% | 2,611 |
| Core capital (leverage) ratio | 10.7222% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1017% | 2,153 |
| Memoranda: |
| Average total assets | $953,579,250 | 910 |
| Average earning assets | $925,895,000 | 867 |
| Average equity | $100,095,750 | 952 |
| Average total loans | $803,351,250 | 773 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8963% | 163 |
| Cost of funding earning assets | 0.8053% | 1,800 |
| Net interest margin | 5.0910% | 173 |
| Noninterest income to average assets | 0.1364% | 4,621 |
| Noninterest expense to average assets | 1.8020% | 4,553 |
| Loan and lease loss provision to assets | 0.4328% | 903 |
| Net operating income to assets | 2.1294% | 248 |
| Return on assets (ROA) | 2.1294% | 275 |
| Pretax return on assets | 2.8428% | 137 |
| Return on Equity (ROE) | 20.4304% | 223 |
| Retained earnings to average equity (ytd only) | 16.6850% | 150 |
| Net charge-offs to loans | 0.0046% | 2,812 |
| Credit loss provision to net charge-offs | 11,388.8889% | 105 |
| Earnings coverage of net charge-offs (x) | 861.9444% | 109 |
| Efficiency ratio | 35.4886% | 4,985 |
| Assets per employee ($millions) | 12.0856% | 311 |
| Cash dividends to net income (ytd only)* | 18.3323% | 2,811 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1781% | 2,620 |
| Loan loss allowance to noncurrent loans | 138.5802% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 1,730 |
| Noncurrent loans to loans | 0.8501% | 1,788 |
| Net loans and leases to total assets | 82.6002% | 358 |
| Net loans and leases to deposits | 92.6223% | 1,084 |
| Net loans and leases to core deposits | 110.2729% | 729 |
| Total domestic deposits to total assets | 89.1796% | 673 |
| Equity capital to assets | 10.0254% | 3,180 |
| Core capital (leverage) ratio | 10.2977% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3382% | 2,056 |
| Memoranda: |
| Average total assets | $947,293,667 | 894 |
| Average earning assets | $919,431,000 | 857 |
| Average equity | $98,735,333 | 957 |
| Average total loans | $777,503,667 | 789 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0749% | 148 |
| Cost of funding earning assets | 0.9310% | 1,734 |
| Net interest margin | 5.1439% | 156 |
| Noninterest income to average assets | 0.1418% | 4,655 |
| Noninterest expense to average assets | 1.9074% | 4,536 |
| Loan and lease loss provision to assets | 0.2828% | 1,100 |
| Net operating income to assets | 2.1962% | 184 |
| Return on assets (ROA) | 2.1962% | 201 |
| Pretax return on assets | 2.9393% | 99 |
| Return on Equity (ROE) | 20.6419% | 142 |
| Retained earnings to average equity (ytd only) | 16.8554% | 118 |
| Net charge-offs to loans | -0.0091% | 4,043 |
| Credit loss provision to net charge-offs | -3,823.5294% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1841% | 5,018 |
| Assets per employee ($millions) | 12.1675% | 231 |
| Cash dividends to net income (ytd only)* | 18.3439% | 2,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0834% | 3,294 |
| Loan loss allowance to noncurrent loans | 359.1983% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 3,487 |
| Noncurrent loans to loans | 0.3016% | 3,418 |
| Net loans and leases to total assets | 79.8457% | 713 |
| Net loans and leases to deposits | 89.2001% | 1,610 |
| Net loans and leases to core deposits | 109.5780% | 872 |
| Total domestic deposits to total assets | 89.5131% | 465 |
| Equity capital to assets | 9.9201% | 3,865 |
| Core capital (leverage) ratio | 10.9728% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5585% | 2,456 |
| Memoranda: |
| Average total assets | $919,389,500 | 893 |
| Average earning assets | $891,467,500 | 853 |
| Average equity | $97,820,500 | 959 |
| Average total loans | $747,034,500 | 795 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6410% | 89 |
| Cost of funding earning assets | 1.2193% | 982 |
| Net interest margin | 5.4218% | 130 |
| Noninterest income to average assets | 0.1675% | 4,652 |
| Noninterest expense to average assets | 3.5574% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9953% | 2,862 |
| Return on assets (ROA) | 0.9953% | 2,948 |
| Pretax return on assets | 1.8414% | 854 |
| Return on Equity (ROE) | 8.4477% | 2,965 |
| Retained earnings to average equity (ytd only) | 2.1153% | 3,940 |
| Net charge-offs to loans | -0.0022% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8927% | 2,785 |
| Assets per employee ($millions) | 11.0946% | 286 |
| Cash dividends to net income (ytd only)* | 74.9596% | 955 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1077% | 2,911 |
| Loan loss allowance to noncurrent loans | 324.0810% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 3,307 |
| Noncurrent loans to loans | 0.3418% | 3,219 |
| Net loans and leases to total assets | 80.9462% | 673 |
| Net loans and leases to deposits | 92.4401% | 1,317 |
| Net loans and leases to core deposits | 103.3197% | 1,286 |
| Total domestic deposits to total assets | 87.5661% | 1,332 |
| Equity capital to assets | 11.4492% | 2,572 |
| Core capital (leverage) ratio | 11.6464% | 2,004 |
| Tier 1 risk-based capital ratio | 14.2786% | 3,131 |
| Total risk-based capital ratio | 15.4183% | 3,093 |
| Memoranda: |
| Average total assets | $808,909,200 | 965 |
| Average earning assets | $780,479,800 | 929 |
| Average equity | $95,303,600 | 935 |
| Average total loans | $640,328,600 | 866 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7524% | 84 |
| Cost of funding earning assets | 1.2490% | 914 |
| Net interest margin | 5.5033% | 122 |
| Noninterest income to average assets | 0.1845% | 4,617 |
| Noninterest expense to average assets | 4.0575% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5991% | 4,295 |
| Return on assets (ROA) | 0.5991% | 4,346 |
| Pretax return on assets | 1.4320% | 2,185 |
| Return on Equity (ROE) | 5.0458% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.6243% | 3,592 |
| Net charge-offs to loans | -0.0019% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9144% | 1,579 |
| Assets per employee ($millions) | 10.7249% | 289 |
| Cash dividends to net income (ytd only)* | 28.1714% | 2,692 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1623% | 2,705 |
| Loan loss allowance to noncurrent loans | 224.0926% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 2,785 |
| Noncurrent loans to loans | 0.5187% | 2,734 |
| Net loans and leases to total assets | 80.7384% | 742 |
| Net loans and leases to deposits | 92.2913% | 1,401 |
| Net loans and leases to core deposits | 104.8486% | 1,271 |
| Total domestic deposits to total assets | 87.4821% | 1,266 |
| Equity capital to assets | 12.0569% | 2,214 |
| Core capital (leverage) ratio | 12.2673% | 1,699 |
| Tier 1 risk-based capital ratio | 15.0590% | 2,820 |
| Total risk-based capital ratio | 16.2548% | 2,776 |
| Memoranda: |
| Average total assets | $794,792,250 | 980 |
| Average earning assets | $766,132,500 | 948 |
| Average equity | $94,359,750 | 944 |
| Average total loans | $623,326,750 | 882 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8081% | 83 |
| Cost of funding earning assets | 1.2472% | 874 |
| Net interest margin | 5.5610% | 114 |
| Noninterest income to average assets | 0.1461% | 4,841 |
| Noninterest expense to average assets | 1.9305% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.6753% | 124 |
| Return on assets (ROA) | 2.6753% | 129 |
| Pretax return on assets | 3.5653% | 83 |
| Return on Equity (ROE) | 22.6573% | 147 |
| Retained earnings to average equity (ytd only) | 22.6573% | 39 |
| Net charge-offs to loans | -0.0013% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1271% | 5,231 |
| Assets per employee ($millions) | 9.8447% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2409% | 2,298 |
| Loan loss allowance to noncurrent loans | 234.8217% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 2,752 |
| Noncurrent loans to loans | 0.5285% | 2,695 |
| Net loans and leases to total assets | 78.2051% | 1,187 |
| Net loans and leases to deposits | 89.5419% | 1,792 |
| Net loans and leases to core deposits | 102.8748% | 1,480 |
| Total domestic deposits to total assets | 87.3390% | 1,412 |
| Equity capital to assets | 12.2732% | 2,003 |
| Core capital (leverage) ratio | 12.3526% | 1,608 |
| Tier 1 risk-based capital ratio | 15.9144% | 2,450 |
| Total risk-based capital ratio | 17.1649% | 2,393 |
| Memoranda: |
| Average total assets | $784,449,670 | 994 |
| Average earning assets | $754,655,000 | 956 |
| Average equity | $92,623,670 | 953 |
| Average total loans | $606,237,330 | 904 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7503% | 92 |
| Cost of funding earning assets | 1.1911% | 926 |
| Net interest margin | 5.5592% | 107 |
| Noninterest income to average assets | 0.1224% | 4,996 |
| Noninterest expense to average assets | 1.8623% | 4,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6983% | 119 |
| Return on assets (ROA) | 2.6983% | 130 |
| Pretax return on assets | 3.5971% | 82 |
| Return on Equity (ROE) | 23.3242% | 137 |
| Retained earnings to average equity (ytd only) | 23.3242% | 60 |
| Net charge-offs to loans | -0.0020% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1119% | 5,292 |
| Assets per employee ($millions) | 10.7729% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3351% | 1,937 |
| Loan loss allowance to noncurrent loans | 219.6524% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 2,744 |
| Noncurrent loans to loans | 0.6078% | 2,515 |
| Net loans and leases to total assets | 73.6242% | 1,880 |
| Net loans and leases to deposits | 84.2480% | 2,358 |
| Net loans and leases to core deposits | 95.5941% | 1,968 |
| Total domestic deposits to total assets | 87.3898% | 1,619 |
| Equity capital to assets | 11.7780% | 2,172 |
| Core capital (leverage) ratio | 12.1848% | 1,674 |
| Tier 1 risk-based capital ratio | 16.1123% | 2,385 |
| Total risk-based capital ratio | 17.3638% | 2,341 |
| Memoranda: |
| Average total assets | $777,965,000 | 1,000 |
| Average earning assets | $746,872,500 | 964 |
| Average equity | $90,001,000 | 966 |
| Average total loans | $593,627,000 | 925 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6923% | 74 |
| Cost of funding earning assets | 0.9933% | 775 |
| Net interest margin | 5.6990% | 89 |
| Noninterest income to average assets | 0.1570% | 4,936 |
| Noninterest expense to average assets | 2.0230% | 4,713 |
| Loan and lease loss provision to assets | 0.0274% | 3,631 |
| Net operating income to assets | 3.4817% | 60 |
| Return on assets (ROA) | 3.4817% | 60 |
| Pretax return on assets | 3.5959% | 62 |
| Return on Equity (ROE) | 31.7407% | 26 |
| Retained earnings to average equity (ytd only) | 16.8630% | 71 |
| Net charge-offs to loans | 0.0040% | 3,584 |
| Credit loss provision to net charge-offs | 869.5652% | 410 |
| Earnings coverage of net charge-offs (x) | 1,151.6087% | 94 |
| Efficiency ratio | 35.8295% | 5,327 |
| Assets per employee ($millions) | 10.6876% | 285 |
| Cash dividends to net income (ytd only)* | 46.8725% | 2,137 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3044% | 2,020 |
| Loan loss allowance to noncurrent loans | 299.5029% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 3,131 |
| Noncurrent loans to loans | 0.4355% | 2,977 |
| Net loans and leases to total assets | 77.0089% | 1,436 |
| Net loans and leases to deposits | 87.6287% | 2,096 |
| Net loans and leases to core deposits | 95.5347% | 2,096 |
| Total domestic deposits to total assets | 87.8810% | 1,354 |
| Equity capital to assets | 11.3549% | 2,367 |
| Core capital (leverage) ratio | 11.2622% | 2,299 |
| Tier 1 risk-based capital ratio | 14.7801% | 2,929 |
| Total risk-based capital ratio | 16.0308% | 2,858 |
| Memoranda: |
| Average total assets | $731,032,600 | 1,017 |
| Average earning assets | $704,124,200 | 984 |
| Average equity | $80,187,200 | 1,029 |
| Average total loans | $580,181,200 | 927 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6122% | 77 |
| Cost of funding earning assets | 0.9461% | 761 |
| Net interest margin | 5.6661% | 95 |
| Noninterest income to average assets | 0.1626% | 4,972 |
| Noninterest expense to average assets | 2.0330% | 4,679 |
| Loan and lease loss provision to assets | 0.0185% | 3,643 |
| Net operating income to assets | 3.6513% | 57 |
| Return on assets (ROA) | 3.6513% | 58 |
| Pretax return on assets | 3.5790% | 71 |
| Return on Equity (ROE) | 33.6022% | 28 |
| Retained earnings to average equity (ytd only) | 13.3109% | 324 |
| Net charge-offs to loans | 0.0060% | 3,220 |
| Credit loss provision to net charge-offs | 384.6154% | 846 |
| Earnings coverage of net charge-offs (x) | 748.5630% | 113 |
| Efficiency ratio | 36.1070% | 5,389 |
| Assets per employee ($millions) | 10.0057% | 333 |
| Cash dividends to net income (ytd only)* | 60.3867% | 1,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3214% | 1,992 |
| Loan loss allowance to noncurrent loans | 1,060.0823% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 4,411 |
| Noncurrent loans to loans | 0.1246% | 4,329 |
| Net loans and leases to total assets | 76.9046% | 1,516 |
| Net loans and leases to deposits | 86.7605% | 2,286 |
| Net loans and leases to core deposits | 94.4985% | 2,244 |
| Total domestic deposits to total assets | 88.6400% | 983 |
| Equity capital to assets | 10.8846% | 2,768 |
| Core capital (leverage) ratio | 10.8961% | 2,680 |
| Tier 1 risk-based capital ratio | 13.8615% | 3,437 |
| Total risk-based capital ratio | 15.1109% | 3,346 |
| Memoranda: |
| Average total assets | $721,413,750 | 1,029 |
| Average earning assets | $696,166,250 | 991 |
| Average equity | $78,389,750 | 1,040 |
| Average total loans | $575,121,000 | 934 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6205% | 73 |
| Cost of funding earning assets | 0.8897% | 761 |
| Net interest margin | 5.7308% | 86 |
| Noninterest income to average assets | 0.1515% | 5,064 |
| Noninterest expense to average assets | 2.0502% | 4,706 |
| Loan and lease loss provision to assets | 0.0281% | 3,352 |
| Net operating income to assets | 3.6097% | 54 |
| Return on assets (ROA) | 3.6097% | 55 |
| Pretax return on assets | 3.6097% | 70 |
| Return on Equity (ROE) | 33.2399% | 25 |
| Retained earnings to average equity (ytd only) | 19.6163% | 72 |
| Net charge-offs to loans | 0.0182% | 2,533 |
| Credit loss provision to net charge-offs | 192.3077% | 1,339 |
| Earnings coverage of net charge-offs (x) | 248.9615% | 361 |
| Efficiency ratio | 36.0439% | 5,450 |
| Assets per employee ($millions) | 9.9563% | 319 |
| Cash dividends to net income (ytd only)* | 40.9855% | 2,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3052% | 2,141 |
| Loan loss allowance to noncurrent loans | 940.4151% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,332 |
| Noncurrent loans to loans | 0.1388% | 4,278 |
| Net loans and leases to total assets | 80.1301% | 995 |
| Net loans and leases to deposits | 90.7083% | 1,747 |
| Net loans and leases to core deposits | 105.6517% | 1,264 |
| Total domestic deposits to total assets | 88.3382% | 1,204 |
| Equity capital to assets | 11.1858% | 2,469 |
| Core capital (leverage) ratio | 11.2845% | 2,272 |
| Tier 1 risk-based capital ratio | 13.4511% | 3,643 |
| Total risk-based capital ratio | 14.7016% | 3,559 |
| Memoranda: |
| Average total assets | $711,743,330 | 1,045 |
| Average earning assets | $687,623,330 | 1,000 |
| Average equity | $77,292,670 | 1,054 |
| Average total loans | $571,881,670 | 937 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6973% | 71 |
| Cost of funding earning assets | 0.8348% | 817 |
| Net interest margin | 5.8625% | 82 |
| Noninterest income to average assets | 0.1380% | 5,178 |
| Noninterest expense to average assets | 2.1016% | 4,659 |
| Loan and lease loss provision to assets | 0.0568% | 2,636 |
| Net operating income to assets | 3.6398% | 57 |
| Return on assets (ROA) | 3.6398% | 57 |
| Pretax return on assets | 3.6398% | 69 |
| Return on Equity (ROE) | 34.0446% | 27 |
| Retained earnings to average equity (ytd only) | 16.6982% | 204 |
| Net charge-offs to loans | 0.0391% | 1,748 |
| Credit loss provision to net charge-offs | 181.8182% | 1,109 |
| Earnings coverage of net charge-offs (x) | 118.3273% | 529 |
| Efficiency ratio | 36.2461% | 5,511 |
| Assets per employee ($millions) | 9.4103% | 387 |
| Cash dividends to net income (ytd only)* | 50.9519% | 1,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3695% | 1,958 |
| Loan loss allowance to noncurrent loans | 834.1278% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 4,362 |
| Noncurrent loans to loans | 0.1642% | 4,242 |
| Net loans and leases to total assets | 78.5610% | 1,150 |
| Net loans and leases to deposits | 88.6639% | 1,846 |
| Net loans and leases to core deposits | 141.0466% | 204 |
| Total domestic deposits to total assets | 88.6054% | 1,306 |
| Equity capital to assets | 10.8903% | 2,690 |
| Core capital (leverage) ratio | 10.8356% | 2,597 |
| Tier 1 risk-based capital ratio | 13.2627% | 3,803 |
| Total risk-based capital ratio | 14.5138% | 3,708 |
| Memoranda: |
| Average total assets | $704,211,500 | 1,062 |
| Average earning assets | $679,915,000 | 1,025 |
| Average equity | $75,289,500 | 1,093 |
| Average total loans | $562,776,000 | 952 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8053% | 62 |
| Cost of funding earning assets | 0.7068% | 988 |
| Net interest margin | 6.0985% | 65 |
| Noninterest income to average assets | 0.1489% | 5,206 |
| Noninterest expense to average assets | 2.2114% | 4,503 |
| Loan and lease loss provision to assets | 0.1895% | 1,113 |
| Net operating income to assets | 3.6540% | 52 |
| Return on assets (ROA) | 3.6540% | 52 |
| Pretax return on assets | 3.6540% | 71 |
| Return on Equity (ROE) | 35.7038% | 20 |
| Retained earnings to average equity (ytd only) | 19.7071% | 43 |
| Net charge-offs to loans | 0.0869% | 2,226 |
| Credit loss provision to net charge-offs | 267.9570% | 1,043 |
| Earnings coverage of net charge-offs (x) | 54.3505% | 1,031 |
| Efficiency ratio | 36.5223% | 5,573 |
| Assets per employee ($millions) | 8.7831% | 481 |
| Cash dividends to net income (ytd only)* | 44.8038% | 2,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3586% | 1,937 |
| Loan loss allowance to noncurrent loans | 628.4072% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 4,191 |
| Noncurrent loans to loans | 0.2162% | 4,046 |
| Net loans and leases to total assets | 79.0915% | 1,101 |
| Net loans and leases to deposits | 88.7700% | 1,929 |
| Net loans and leases to core deposits | 143.9146% | 177 |
| Total domestic deposits to total assets | 89.0971% | 966 |
| Equity capital to assets | 10.4915% | 3,177 |
| Core capital (leverage) ratio | 10.5307% | 2,812 |
| Tier 1 risk-based capital ratio | 12.5798% | 4,160 |
| Total risk-based capital ratio | 13.8307% | 4,054 |
| Memoranda: |
| Average total assets | $657,561,600 | 1,106 |
| Average earning assets | $636,794,600 | 1,059 |
| Average equity | $67,295,400 | 1,186 |
| Average total loans | $535,371,400 | 954 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1240% | 54 |
| Cost of funding earning assets | 0.6827% | 1,059 |
| Net interest margin | 6.4412% | 50 |
| Noninterest income to average assets | 0.1766% | 5,131 |
| Noninterest expense to average assets | 2.1905% | 4,541 |
| Loan and lease loss provision to assets | 0.2261% | 815 |
| Net operating income to assets | 4.0020% | 52 |
| Return on assets (ROA) | 4.0020% | 53 |
| Pretax return on assets | 4.0020% | 73 |
| Return on Equity (ROE) | 39.3740% | 17 |
| Retained earnings to average equity (ytd only) | 21.5837% | 41 |
| Net charge-offs to loans | 0.1191% | 1,598 |
| Credit loss provision to net charge-offs | 232.2034% | 1,204 |
| Earnings coverage of net charge-offs (x) | 43.4214% | 1,227 |
| Efficiency ratio | 34.1272% | 5,664 |
| Assets per employee ($millions) | 8.1885% | 591 |
| Cash dividends to net income (ytd only)* | 45.1827% | 2,009 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4094% | 1,842 |
| Loan loss allowance to noncurrent loans | 336.3392% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 3,633 |
| Noncurrent loans to loans | 0.4190% | 3,445 |
| Net loans and leases to total assets | 79.0682% | 1,116 |
| Net loans and leases to deposits | 88.9084% | 1,940 |
| Net loans and leases to core deposits | 151.1185% | 118 |
| Total domestic deposits to total assets | 88.9322% | 921 |
| Equity capital to assets | 10.7180% | 3,148 |
| Core capital (leverage) ratio | 10.5994% | 2,882 |
| Tier 1 risk-based capital ratio | 12.8435% | 4,118 |
| Total risk-based capital ratio | 14.0950% | 4,016 |
| Memoranda: |
| Average total assets | $646,290,000 | 1,134 |
| Average earning assets | $626,302,750 | 1,082 |
| Average equity | $65,689,750 | 1,221 |
| Average total loans | $528,367,000 | 973 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3054% | 51 |
| Cost of funding earning assets | 0.6460% | 1,164 |
| Net interest margin | 6.6594% | 47 |
| Noninterest income to average assets | 0.1708% | 5,197 |
| Noninterest expense to average assets | 2.1482% | 4,676 |
| Loan and lease loss provision to assets | 0.2953% | 525 |
| Net operating income to assets | 4.1799% | 52 |
| Return on assets (ROA) | 4.1799% | 52 |
| Pretax return on assets | 4.1799% | 67 |
| Return on Equity (ROE) | 41.9127% | 18 |
| Retained earnings to average equity (ytd only) | 22.3008% | 44 |
| Net charge-offs to loans | 0.1571% | 1,222 |
| Credit loss provision to net charge-offs | 228.5024% | 1,148 |
| Earnings coverage of net charge-offs (x) | 34.6256% | 1,362 |
| Efficiency ratio | 32.4331% | 5,730 |
| Assets per employee ($millions) | 8.5675% | 493 |
| Cash dividends to net income (ytd only)* | 46.7921% | 2,005 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3513% | 2,166 |
| Loan loss allowance to noncurrent loans | 173.5005% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 2,564 |
| Noncurrent loans to loans | 0.7788% | 2,455 |
| Net loans and leases to total assets | 81.9467% | 670 |
| Net loans and leases to deposits | 91.7912% | 1,529 |
| Net loans and leases to core deposits | 165.2321% | 79 |
| Total domestic deposits to total assets | 89.2750% | 815 |
| Equity capital to assets | 10.2441% | 3,624 |
| Core capital (leverage) ratio | 10.2576% | 3,192 |
| Tier 1 risk-based capital ratio | 11.6225% | 4,880 |
| Total risk-based capital ratio | 12.8732% | 4,763 |
| Memoranda: |
| Average total assets | $640,630,670 | 1,143 |
| Average earning assets | $620,750,000 | 1,087 |
| Average equity | $63,890,000 | 1,245 |
| Average total loans | $527,179,000 | 972 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1518% | 54 |
| Cost of funding earning assets | 0.6194% | 1,242 |
| Net interest margin | 6.5323% | 48 |
| Noninterest income to average assets | 0.1654% | 5,283 |
| Noninterest expense to average assets | 2.1759% | 4,708 |
| Loan and lease loss provision to assets | 0.1014% | 1,868 |
| Net operating income to assets | 4.2111% | 52 |
| Return on assets (ROA) | 4.2111% | 51 |
| Pretax return on assets | 4.2111% | 72 |
| Return on Equity (ROE) | 42.8334% | 22 |
| Retained earnings to average equity (ytd only) | 20.4948% | 100 |
| Net charge-offs to loans | -0.0039% | 4,115 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5352% | 5,779 |
| Assets per employee ($millions) | 8.4205% | 520 |
| Cash dividends to net income (ytd only)* | 52.1523% | 1,623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3282% | 2,399 |
| Loan loss allowance to noncurrent loans | 239.7956% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 3,275 |
| Noncurrent loans to loans | 0.5539% | 3,148 |
| Net loans and leases to total assets | 80.6389% | 746 |
| Net loans and leases to deposits | 90.2836% | 1,501 |
| Net loans and leases to core deposits | 167.4899% | 66 |
| Total domestic deposits to total assets | 89.3173% | 994 |
| Equity capital to assets | 9.8145% | 3,960 |
| Core capital (leverage) ratio | 9.8370% | 3,709 |
| Tier 1 risk-based capital ratio | 11.2941% | 5,142 |
| Total risk-based capital ratio | 12.5445% | 5,051 |
| Memoranda: |
| Average total assets | $631,098,500 | 1,157 |
| Average earning assets | $610,870,000 | 1,109 |
| Average equity | $62,045,000 | 1,277 |
| Average total loans | $516,767,000 | 989 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8763% | 142 |
| Cost of funding earning assets | 0.4397% | 2,612 |
| Net interest margin | 5.4366% | 121 |
| Noninterest income to average assets | 0.1754% | 5,347 |
| Noninterest expense to average assets | 2.2935% | 4,577 |
| Loan and lease loss provision to assets | 0.2620% | 785 |
| Net operating income to assets | 2.8800% | 86 |
| Return on assets (ROA) | 2.8800% | 89 |
| Pretax return on assets | 2.8800% | 125 |
| Return on Equity (ROE) | 30.7992% | 33 |
| Retained earnings to average equity (ytd only) | 16.2832% | 81 |
| Net charge-offs to loans | 0.0741% | 2,640 |
| Credit loss provision to net charge-offs | 434.0782% | 735 |
| Earnings coverage of net charge-offs (x) | 52.0503% | 986 |
| Efficiency ratio | 42.1951% | 5,741 |
| Assets per employee ($millions) | 8.5253% | 495 |
| Cash dividends to net income (ytd only)* | 47.1311% | 2,457 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3646% | 2,241 |
| Loan loss allowance to noncurrent loans | 502.0453% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 4,350 |
| Noncurrent loans to loans | 0.2718% | 4,178 |
| Net loans and leases to total assets | 80.9323% | 750 |
| Net loans and leases to deposits | 90.3583% | 1,640 |
| Net loans and leases to core deposits | 164.6749% | 75 |
| Total domestic deposits to total assets | 89.5683% | 834 |
| Equity capital to assets | 9.8490% | 3,884 |
| Core capital (leverage) ratio | 9.6728% | 3,890 |
| Tier 1 risk-based capital ratio | 11.3262% | 5,161 |
| Total risk-based capital ratio | 12.5770% | 5,058 |
| Memoranda: |
| Average total assets | $593,063,800 | 1,177 |
| Average earning assets | $573,817,800 | 1,132 |
| Average equity | $55,456,000 | 1,384 |
| Average total loans | $482,969,400 | 1,004 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6890% | 193 |
| Cost of funding earning assets | 0.4356% | 2,681 |
| Net interest margin | 5.2534% | 158 |
| Noninterest income to average assets | 0.1465% | 5,527 |
| Noninterest expense to average assets | 2.1537% | 4,886 |
| Loan and lease loss provision to assets | 0.3198% | 522 |
| Net operating income to assets | 2.7579% | 110 |
| Return on assets (ROA) | 2.7579% | 114 |
| Pretax return on assets | 2.7579% | 150 |
| Return on Equity (ROE) | 29.9097% | 40 |
| Retained earnings to average equity (ytd only) | 15.2746% | 128 |
| Net charge-offs to loans | 0.0952% | 1,998 |
| Credit loss provision to net charge-offs | 413.4897% | 822 |
| Earnings coverage of net charge-offs (x) | 39.7943% | 1,251 |
| Efficiency ratio | 41.1688% | 5,805 |
| Assets per employee ($millions) | 8.8409% | 436 |
| Cash dividends to net income (ytd only)* | 48.9309% | 1,934 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2952% | 2,712 |
| Loan loss allowance to noncurrent loans | 184.1660% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 3,024 |
| Noncurrent loans to loans | 0.7033% | 2,930 |
| Net loans and leases to total assets | 83.0702% | 503 |
| Net loans and leases to deposits | 92.3923% | 1,445 |
| Net loans and leases to core deposits | 175.4247% | 59 |
| Total domestic deposits to total assets | 89.9103% | 518 |
| Equity capital to assets | 9.3131% | 4,852 |
| Core capital (leverage) ratio | 9.4699% | 4,215 |
| Tier 1 risk-based capital ratio | 10.3540% | 5,676 |
| Total risk-based capital ratio | 11.5971% | 5,604 |
| Memoranda: |
| Average total assets | $587,875,000 | 1,188 |
| Average earning assets | $569,015,250 | 1,136 |
| Average equity | $54,206,250 | 1,425 |
| Average total loans | $477,799,000 | 1,011 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5875% | 224 |
| Cost of funding earning assets | 0.4337% | 2,706 |
| Net interest margin | 5.1538% | 187 |
| Noninterest income to average assets | 0.1517% | 5,547 |
| Noninterest expense to average assets | 2.1280% | 4,999 |
| Loan and lease loss provision to assets | 0.3262% | 517 |
| Net operating income to assets | 2.6890% | 115 |
| Return on assets (ROA) | 2.6890% | 115 |
| Pretax return on assets | 2.6890% | 169 |
| Return on Equity (ROE) | 29.2669% | 49 |
| Retained earnings to average equity (ytd only) | 13.4368% | 218 |
| Net charge-offs to loans | 0.1308% | 1,543 |
| Credit loss provision to net charge-offs | 310.8911% | 939 |
| Earnings coverage of net charge-offs (x) | 28.7360% | 1,422 |
| Efficiency ratio | 41.3749% | 5,878 |
| Assets per employee ($millions) | 7.9093% | 587 |
| Cash dividends to net income (ytd only)* | 54.0889% | 1,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3138% | 2,712 |
| Loan loss allowance to noncurrent loans | 159.6966% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 2,607 |
| Noncurrent loans to loans | 0.8227% | 2,686 |
| Net loans and leases to total assets | 79.9772% | 906 |
| Net loans and leases to deposits | 88.6870% | 1,900 |
| Net loans and leases to core deposits | 157.2685% | 95 |
| Total domestic deposits to total assets | 90.1792% | 419 |
| Equity capital to assets | 9.2702% | 5,003 |
| Core capital (leverage) ratio | 9.3035% | 4,454 |
| Tier 1 risk-based capital ratio | 10.6854% | 5,588 |
| Total risk-based capital ratio | 11.9354% | 5,504 |
| Memoranda: |
| Average total assets | $577,546,330 | 1,216 |
| Average earning assets | $559,356,670 | 1,161 |
| Average equity | $53,063,330 | 1,458 |
| Average total loans | $463,453,670 | 1,040 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6462% | 206 |
| Cost of funding earning assets | 0.4300% | 2,769 |
| Net interest margin | 5.2161% | 172 |
| Noninterest income to average assets | 0.1643% | 5,510 |
| Noninterest expense to average assets | 2.1772% | 4,956 |
| Loan and lease loss provision to assets | 0.3356% | 446 |
| Net operating income to assets | 2.7017% | 121 |
| Return on assets (ROA) | 2.7017% | 121 |
| Pretax return on assets | 2.7017% | 171 |
| Return on Equity (ROE) | 29.5435% | 51 |
| Retained earnings to average equity (ytd only) | 10.3494% | 778 |
| Net charge-offs to loans | 0.2067% | 972 |
| Credit loss provision to net charge-offs | 203.4043% | 1,068 |
| Earnings coverage of net charge-offs (x) | 18.4085% | 1,544 |
| Efficiency ratio | 41.7531% | 5,928 |
| Assets per employee ($millions) | 7.7769% | 615 |
| Cash dividends to net income (ytd only)* | 64.9688% | 1,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3216% | 2,790 |
| Loan loss allowance to noncurrent loans | 96.9856% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 1,907 |
| Noncurrent loans to loans | 1.3626% | 1,744 |
| Net loans and leases to total assets | 76.8105% | 1,275 |
| Net loans and leases to deposits | 85.1684% | 2,176 |
| Net loans and leases to core deposits | 144.5951% | 137 |
| Total domestic deposits to total assets | 90.1866% | 529 |
| Equity capital to assets | 9.1703% | 5,021 |
| Core capital (leverage) ratio | 9.0425% | 4,797 |
| Tier 1 risk-based capital ratio | 11.0598% | 5,476 |
| Total risk-based capital ratio | 12.3101% | 5,385 |
| Memoranda: |
| Average total assets | $569,720,000 | 1,236 |
| Average earning assets | $551,596,000 | 1,176 |
| Average equity | $52,099,500 | 1,479 |
| Average total loans | $454,810,500 | 1,067 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0105% | 130 |
| Cost of funding earning assets | 0.4552% | 2,575 |
| Net interest margin | 5.5552% | 112 |
| Noninterest income to average assets | 0.2368% | 5,178 |
| Noninterest expense to average assets | 2.2768% | 4,853 |
| Loan and lease loss provision to assets | 0.5084% | 223 |
| Net operating income to assets | 2.7947% | 102 |
| Return on assets (ROA) | 2.7947% | 102 |
| Pretax return on assets | 2.7947% | 137 |
| Return on Equity (ROE) | 29.5326% | 61 |
| Retained earnings to average equity (ytd only) | 14.8773% | 137 |
| Net charge-offs to loans | 0.4181% | 684 |
| Credit loss provision to net charge-offs | 149.3597% | 1,780 |
| Earnings coverage of net charge-offs (x) | 9.7043% | 2,786 |
| Efficiency ratio | 40.8039% | 6,050 |
| Assets per employee ($millions) | 7.5193% | 688 |
| Cash dividends to net income (ytd only)* | 49.6243% | 2,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2297% | 3,298 |
| Loan loss allowance to noncurrent loans | 127.2014% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9393% | 2,321 |
| Noncurrent loans to loans | 0.9667% | 2,399 |
| Net loans and leases to total assets | 80.8560% | 729 |
| Net loans and leases to deposits | 89.5889% | 1,673 |
| Net loans and leases to core deposits | 141.5532% | 149 |
| Total domestic deposits to total assets | 90.2522% | 523 |
| Equity capital to assets | 9.1187% | 5,001 |
| Core capital (leverage) ratio | 9.3860% | 4,345 |
| Tier 1 risk-based capital ratio | 10.4180% | 5,815 |
| Total risk-based capital ratio | 11.6051% | 5,765 |
| Memoranda: |
| Average total assets | $504,733,400 | 1,333 |
| Average earning assets | $485,470,000 | 1,284 |
| Average equity | $47,764,200 | 1,553 |
| Average total loans | $410,944,800 | 1,120 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1309% | 115 |
| Cost of funding earning assets | 0.4611% | 2,568 |
| Net interest margin | 5.6698% | 97 |
| Noninterest income to average assets | 0.1978% | 5,462 |
| Noninterest expense to average assets | 2.1926% | 5,070 |
| Loan and lease loss provision to assets | 0.4708% | 226 |
| Net operating income to assets | 2.9821% | 89 |
| Return on assets (ROA) | 2.9821% | 89 |
| Pretax return on assets | 2.9821% | 123 |
| Return on Equity (ROE) | 31.1859% | 48 |
| Retained earnings to average equity (ytd only) | 15.5332% | 150 |
| Net charge-offs to loans | 0.3733% | 696 |
| Credit loss provision to net charge-offs | 155.1570% | 1,639 |
| Earnings coverage of net charge-offs (x) | 11.3794% | 2,495 |
| Efficiency ratio | 38.8383% | 6,150 |
| Assets per employee ($millions) | 6.6769% | 988 |
| Cash dividends to net income (ytd only)* | 50.1916% | 1,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3029% | 3,077 |
| Loan loss allowance to noncurrent loans | 104.6118% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 2,060 |
| Noncurrent loans to loans | 1.2455% | 2,046 |
| Net loans and leases to total assets | 82.3502% | 539 |
| Net loans and leases to deposits | 92.3350% | 1,371 |
| Net loans and leases to core deposits | 122.2381% | 416 |
| Total domestic deposits to total assets | 89.1863% | 926 |
| Equity capital to assets | 9.9404% | 4,238 |
| Core capital (leverage) ratio | 9.7094% | 4,022 |
| Tier 1 risk-based capital ratio | 10.9358% | 5,685 |
| Total risk-based capital ratio | 12.1729% | 5,609 |
| Memoranda: |
| Average total assets | $489,929,000 | 1,378 |
| Average earning assets | $470,739,000 | 1,319 |
| Average equity | $46,849,000 | 1,586 |
| Average total loans | $398,264,750 | 1,164 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0263% | 129 |
| Cost of funding earning assets | 0.4564% | 2,645 |
| Net interest margin | 5.5698% | 112 |
| Noninterest income to average assets | 0.2027% | 5,467 |
| Noninterest expense to average assets | 2.2121% | 5,079 |
| Loan and lease loss provision to assets | 0.4240% | 264 |
| Net operating income to assets | 2.9162% | 98 |
| Return on assets (ROA) | 2.9162% | 100 |
| Pretax return on assets | 2.9162% | 141 |
| Return on Equity (ROE) | 30.9160% | 60 |
| Retained earnings to average equity (ytd only) | 14.5664% | 209 |
| Net charge-offs to loans | 0.1863% | 1,342 |
| Credit loss provision to net charge-offs | 282.4658% | 965 |
| Earnings coverage of net charge-offs (x) | 22.2521% | 1,650 |
| Efficiency ratio | 39.8415% | 6,208 |
| Assets per employee ($millions) | 7.0524% | 820 |
| Cash dividends to net income (ytd only)* | 52.8839% | 1,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3559% | 2,955 |
| Loan loss allowance to noncurrent loans | 108.2332% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 2,207 |
| Noncurrent loans to loans | 1.2528% | 2,152 |
| Net loans and leases to total assets | 80.9771% | 674 |
| Net loans and leases to deposits | 90.3432% | 1,555 |
| Net loans and leases to core deposits | 117.6586% | 537 |
| Total domestic deposits to total assets | 89.6327% | 824 |
| Equity capital to assets | 9.6543% | 4,463 |
| Core capital (leverage) ratio | 9.4750% | 4,314 |
| Tier 1 risk-based capital ratio | 10.6408% | 5,863 |
| Total risk-based capital ratio | 11.8909% | 5,807 |
| Memoranda: |
| Average total assets | $486,317,330 | 1,398 |
| Average earning assets | $467,087,330 | 1,337 |
| Average equity | $45,872,670 | 1,624 |
| Average total loans | $391,745,000 | 1,178 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7469% | 179 |
| Cost of funding earning assets | 0.4626% | 2,648 |
| Net interest margin | 5.2843% | 163 |
| Noninterest income to average assets | 0.2279% | 5,324 |
| Noninterest expense to average assets | 2.2195% | 5,095 |
| Loan and lease loss provision to assets | 0.3514% | 363 |
| Net operating income to assets | 2.7507% | 103 |
| Return on assets (ROA) | 2.7507% | 113 |
| Pretax return on assets | 2.7507% | 174 |
| Return on Equity (ROE) | 29.5160% | 62 |
| Retained earnings to average equity (ytd only) | 11.7299% | 606 |
| Net charge-offs to loans | 0.0873% | 1,847 |
| Credit loss provision to net charge-offs | 504.7619% | 532 |
| Earnings coverage of net charge-offs (x) | 44.5595% | 908 |
| Efficiency ratio | 41.7069% | 6,236 |
| Assets per employee ($millions) | 6.4877% | 1,083 |
| Cash dividends to net income (ytd only)* | 60.2591% | 1,420 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3507% | 3,142 |
| Loan loss allowance to noncurrent loans | 115.0576% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 2,496 |
| Noncurrent loans to loans | 1.1739% | 2,428 |
| Net loans and leases to total assets | 77.9925% | 933 |
| Net loans and leases to deposits | 86.7747% | 1,741 |
| Net loans and leases to core deposits | 115.0417% | 545 |
| Total domestic deposits to total assets | 89.8794% | 797 |
| Equity capital to assets | 9.3795% | 4,882 |
| Core capital (leverage) ratio | 8.9753% | 4,978 |
| Tier 1 risk-based capital ratio | 10.2145% | 6,107 |
| Total risk-based capital ratio | 11.4239% | 6,059 |
| Memoranda: |
| Average total assets | $482,642,000 | 1,418 |
| Average earning assets | $465,223,000 | 1,348 |
| Average equity | $44,979,000 | 1,661 |
| Average total loans | $384,991,000 | 1,202 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9189% | 173 |
| Cost of funding earning assets | 0.4996% | 2,683 |
| Net interest margin | 5.4193% | 155 |
| Noninterest income to average assets | 0.2387% | 5,421 |
| Noninterest expense to average assets | 2.6691% | 3,982 |
| Loan and lease loss provision to assets | 0.2836% | 743 |
| Net operating income to assets | 2.4793% | 148 |
| Return on assets (ROA) | 2.4803% | 153 |
| Pretax return on assets | 2.4849% | 194 |
| Return on Equity (ROE) | 26.6323% | 83 |
| Retained earnings to average equity (ytd only) | 14.2562% | 163 |
| Net charge-offs to loans | 0.0926% | 3,171 |
| Credit loss provision to net charge-offs | 386.6667% | 673 |
| Earnings coverage of net charge-offs (x) | 37.7333% | 1,139 |
| Efficiency ratio | 49.0942% | 6,137 |
| Assets per employee ($millions) | 6.2987% | 1,185 |
| Cash dividends to net income (ytd only)* | 46.4701% | 2,487 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2533% | 3,707 |
| Loan loss allowance to noncurrent loans | 405.4576% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 4,430 |
| Noncurrent loans to loans | 0.3091% | 4,731 |
| Net loans and leases to total assets | 79.4773% | 812 |
| Net loans and leases to deposits | 88.4633% | 1,676 |
| Net loans and leases to core deposits | 119.6452% | 419 |
| Total domestic deposits to total assets | 89.8422% | 804 |
| Equity capital to assets | 9.2581% | 4,997 |
| Core capital (leverage) ratio | 9.3217% | 4,509 |
| Tier 1 risk-based capital ratio | 10.0141% | 6,257 |
| Total risk-based capital ratio | 11.1516% | 6,243 |
| Memoranda: |
| Average total assets | $429,469,200 | 1,549 |
| Average earning assets | $411,935,400 | 1,486 |
| Average equity | $39,996,600 | 1,781 |
| Average total loans | $340,212,800 | 1,286 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8753% | 174 |
| Cost of funding earning assets | 0.5154% | 2,609 |
| Net interest margin | 5.3600% | 163 |
| Noninterest income to average assets | 0.2413% | 5,480 |
| Noninterest expense to average assets | 2.5684% | 4,292 |
| Loan and lease loss provision to assets | 0.2934% | 675 |
| Net operating income to assets | 2.5122% | 141 |
| Return on assets (ROA) | 2.5122% | 143 |
| Pretax return on assets | 2.5186% | 202 |
| Return on Equity (ROE) | 26.9291% | 78 |
| Retained earnings to average equity (ytd only) | 15.9656% | 171 |
| Net charge-offs to loans | 0.0721% | 3,167 |
| Credit loss provision to net charge-offs | 515.7303% | 553 |
| Earnings coverage of net charge-offs (x) | 49.4264% | 987 |
| Efficiency ratio | 47.7367% | 6,210 |
| Assets per employee ($millions) | 5.8136% | 1,477 |
| Cash dividends to net income (ytd only)* | 40.7125% | 2,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2470% | 3,971 |
| Loan loss allowance to noncurrent loans | 170.4638% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 3,577 |
| Noncurrent loans to loans | 0.7315% | 3,772 |
| Net loans and leases to total assets | 81.2744% | 579 |
| Net loans and leases to deposits | 91.0846% | 1,315 |
| Net loans and leases to core deposits | 121.3980% | 363 |
| Total domestic deposits to total assets | 89.2296% | 1,111 |
| Equity capital to assets | 9.6742% | 4,580 |
| Core capital (leverage) ratio | 9.2084% | 4,774 |
| Tier 1 risk-based capital ratio | 10.8204% | 6,086 |
| Total risk-based capital ratio | 12.0123% | 6,056 |
| Memoranda: |
| Average total assets | $417,160,500 | 1,600 |
| Average earning assets | $399,968,500 | 1,539 |
| Average equity | $38,916,000 | 1,825 |
| Average total loans | $328,943,500 | 1,336 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8460% | 179 |
| Cost of funding earning assets | 0.5172% | 2,661 |
| Net interest margin | 5.3288% | 163 |
| Noninterest income to average assets | 0.2364% | 5,508 |
| Noninterest expense to average assets | 2.5931% | 4,263 |
| Loan and lease loss provision to assets | 0.3037% | 645 |
| Net operating income to assets | 2.4585% | 149 |
| Return on assets (ROA) | 2.4585% | 156 |
| Pretax return on assets | 2.4585% | 224 |
| Return on Equity (ROE) | 26.7164% | 86 |
| Retained earnings to average equity (ytd only) | 16.0362% | 173 |
| Net charge-offs to loans | 0.0127% | 3,985 |
| Credit loss provision to net charge-offs | 3,090.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 281.0500% | 241 |
| Efficiency ratio | 48.4217% | 6,268 |
| Assets per employee ($millions) | 5.4889% | 1,699 |
| Cash dividends to net income (ytd only)* | 39.9760% | 2,401 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2597% | 4,089 |
| Loan loss allowance to noncurrent loans | 208.2529% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 4,143 |
| Noncurrent loans to loans | 0.6049% | 4,209 |
| Net loans and leases to total assets | 76.0753% | 1,147 |
| Net loans and leases to deposits | 84.9143% | 1,941 |
| Net loans and leases to core deposits | 111.6940% | 618 |
| Total domestic deposits to total assets | 89.5907% | 1,022 |
| Equity capital to assets | 9.3686% | 4,879 |
| Core capital (leverage) ratio | 9.1978% | 4,746 |
| Tier 1 risk-based capital ratio | 11.5181% | 5,787 |
| Total risk-based capital ratio | 12.7671% | 5,749 |
| Memoranda: |
| Average total assets | $406,999,330 | 1,634 |
| Average earning assets | $390,967,330 | 1,572 |
| Average equity | $37,452,670 | 1,879 |
| Average total loans | $315,786,670 | 1,376 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8829% | 170 |
| Cost of funding earning assets | 0.5294% | 2,613 |
| Net interest margin | 5.3535% | 152 |
| Noninterest income to average assets | 0.2092% | 5,689 |
| Noninterest expense to average assets | 2.5533% | 4,434 |
| Loan and lease loss provision to assets | 0.3091% | 614 |
| Net operating income to assets | 2.4833% | 147 |
| Return on assets (ROA) | 2.4833% | 156 |
| Pretax return on assets | 2.4833% | 227 |
| Return on Equity (ROE) | 27.2682% | 91 |
| Retained earnings to average equity (ytd only) | 15.9536% | 269 |
| Net charge-offs to loans | -0.0079% | 4,955 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7641% | 6,367 |
| Assets per employee ($millions) | 5.3004% | 1,908 |
| Cash dividends to net income (ytd only)* | 41.4938% | 1,948 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2723% | 4,265 |
| Loan loss allowance to noncurrent loans | 226.0112% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 4,434 |
| Noncurrent loans to loans | 0.5629% | 4,472 |
| Net loans and leases to total assets | 73.6215% | 1,326 |
| Net loans and leases to deposits | 82.1909% | 2,028 |
| Net loans and leases to core deposits | 100.1264% | 1,099 |
| Total domestic deposits to total assets | 89.5737% | 1,326 |
| Equity capital to assets | 9.4478% | 4,566 |
| Core capital (leverage) ratio | 9.1204% | 4,833 |
| Tier 1 risk-based capital ratio | 11.3354% | 6,002 |
| Total risk-based capital ratio | 12.5335% | 5,976 |
| Memoranda: |
| Average total assets | $388,197,000 | 1,713 |
| Average earning assets | $372,467,500 | 1,639 |
| Average equity | $35,352,500 | 1,968 |
| Average total loans | $302,405,500 | 1,428 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7715% | 72 |
| Cost of funding earning assets | 0.6377% | 2,315 |
| Net interest margin | 6.1338% | 73 |
| Noninterest income to average assets | 0.3878% | 4,533 |
| Noninterest expense to average assets | 2.8266% | 3,634 |
| Loan and lease loss provision to assets | 0.3451% | 923 |
| Net operating income to assets | 3.0837% | 103 |
| Return on assets (ROA) | 3.0837% | 103 |
| Pretax return on assets | 3.0837% | 110 |
| Return on Equity (ROE) | 35.1296% | 40 |
| Retained earnings to average equity (ytd only) | 22.5115% | 65 |
| Net charge-offs to loans | 0.0614% | 4,351 |
| Credit loss provision to net charge-offs | 684.7134% | 350 |
| Earnings coverage of net charge-offs (x) | 68.0255% | 620 |
| Efficiency ratio | 45.1858% | 6,586 |
| Assets per employee ($millions) | 5.5056% | 1,643 |
| Cash dividends to net income (ytd only)* | 35.9188% | 3,009 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2879% | 4,198 |
| Loan loss allowance to noncurrent loans | 227.2005% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 4,298 |
| Noncurrent loans to loans | 0.5669% | 4,571 |
| Net loans and leases to total assets | 80.8523% | 506 |
| Net loans and leases to deposits | 89.3235% | 1,311 |
| Net loans and leases to core deposits | 129.9330% | 196 |
| Total domestic deposits to total assets | 90.5162% | 802 |
| Equity capital to assets | 8.6965% | 5,373 |
| Core capital (leverage) ratio | 9.0972% | 4,859 |
| Tier 1 risk-based capital ratio | 10.1177% | 6,484 |
| Total risk-based capital ratio | 11.3459% | 6,456 |
| Memoranda: |
| Average total assets | $311,471,800 | 2,070 |
| Average earning assets | $297,954,800 | 1,995 |
| Average equity | $27,341,600 | 2,429 |
| Average total loans | $255,726,800 | 1,626 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6638% | 85 |
| Cost of funding earning assets | 0.6485% | 2,371 |
| Net interest margin | 6.0153% | 83 |
| Noninterest income to average assets | 0.3488% | 4,895 |
| Noninterest expense to average assets | 2.7007% | 4,019 |
| Loan and lease loss provision to assets | 0.3873% | 794 |
| Net operating income to assets | 3.0123% | 107 |
| Return on assets (ROA) | 3.0123% | 107 |
| Pretax return on assets | 3.0123% | 139 |
| Return on Equity (ROE) | 34.2222% | 46 |
| Retained earnings to average equity (ytd only) | 20.3945% | 76 |
| Net charge-offs to loans | 0.0711% | 3,916 |
| Credit loss provision to net charge-offs | 662.8788% | 437 |
| Earnings coverage of net charge-offs (x) | 58.1880% | 771 |
| Efficiency ratio | 44.2719% | 6,646 |
| Assets per employee ($millions) | 5.3680% | 1,769 |
| Cash dividends to net income (ytd only)* | 40.4056% | 2,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3083% | 4,340 |
| Loan loss allowance to noncurrent loans | 182.8601% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 4,189 |
| Noncurrent loans to loans | 0.7155% | 4,423 |
| Net loans and leases to total assets | 80.2789% | 519 |
| Net loans and leases to deposits | 88.8111% | 1,282 |
| Net loans and leases to core deposits | 118.9899% | 343 |
| Total domestic deposits to total assets | 90.3929% | 793 |
| Equity capital to assets | 8.5780% | 5,653 |
| Core capital (leverage) ratio | 8.9338% | 5,222 |
| Tier 1 risk-based capital ratio | 10.2024% | 6,540 |
| Total risk-based capital ratio | 11.4528% | 6,507 |
| Memoranda: |
| Average total assets | $301,249,750 | 2,154 |
| Average earning assets | $288,037,250 | 2,067 |
| Average equity | $26,516,250 | 2,528 |
| Average total loans | $247,506,500 | 1,676 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7365% | 76 |
| Cost of funding earning assets | 0.6569% | 2,440 |
| Net interest margin | 6.0797% | 72 |
| Noninterest income to average assets | 0.3790% | 4,676 |
| Noninterest expense to average assets | 2.6864% | 4,082 |
| Loan and lease loss provision to assets | 0.3956% | 793 |
| Net operating income to assets | 3.1039% | 108 |
| Return on assets (ROA) | 3.1039% | 111 |
| Pretax return on assets | 3.1039% | 139 |
| Return on Equity (ROE) | 34.9244% | 46 |
| Retained earnings to average equity (ytd only) | 20.9918% | 76 |
| Net charge-offs to loans | 0.0500% | 3,977 |
| Credit loss provision to net charge-offs | 958.3333% | 324 |
| Earnings coverage of net charge-offs (x) | 84.7833% | 536 |
| Efficiency ratio | 43.4275% | 6,725 |
| Assets per employee ($millions) | 4.9272% | 2,189 |
| Cash dividends to net income (ytd only)* | 39.8936% | 2,263 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3174% | 4,418 |
| Loan loss allowance to noncurrent loans | 124.8211% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0711% | 3,597 |
| Noncurrent loans to loans | 1.0554% | 3,821 |
| Net loans and leases to total assets | 81.2621% | 410 |
| Net loans and leases to deposits | 90.3936% | 1,104 |
| Net loans and leases to core deposits | 117.5290% | 364 |
| Total domestic deposits to total assets | 89.8981% | 1,083 |
| Equity capital to assets | 8.8985% | 5,327 |
| Core capital (leverage) ratio | 9.4240% | 4,353 |
| Tier 1 risk-based capital ratio | 10.0150% | 6,631 |
| Total risk-based capital ratio | 11.2363% | 6,617 |
| Memoranda: |
| Average total assets | $290,727,670 | 2,218 |
| Average earning assets | $277,679,330 | 2,142 |
| Average equity | $25,838,670 | 2,596 |
| Average total loans | $239,767,670 | 1,725 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6252% | 85 |
| Cost of funding earning assets | 0.6665% | 2,514 |
| Net interest margin | 5.9587% | 81 |
| Noninterest income to average assets | 0.3882% | 4,550 |
| Noninterest expense to average assets | 2.6074% | 4,383 |
| Loan and lease loss provision to assets | 0.3882% | 808 |
| Net operating income to assets | 3.0718% | 101 |
| Return on assets (ROA) | 3.0718% | 107 |
| Pretax return on assets | 3.0718% | 149 |
| Return on Equity (ROE) | 34.5863% | 53 |
| Retained earnings to average equity (ytd only) | 21.0761% | 111 |
| Net charge-offs to loans | 0.0325% | 3,578 |
| Credit loss provision to net charge-offs | 1,447.3684% | 226 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 299 |
| Efficiency ratio | 42.9735% | 6,808 |
| Assets per employee ($millions) | 4.5359% | 2,908 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,876 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3117% | 4,639 |
| Loan loss allowance to noncurrent loans | 119.9921% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 3,718 |
| Noncurrent loans to loans | 1.0931% | 3,958 |
| Net loans and leases to total assets | 80.4357% | 391 |
| Net loans and leases to deposits | 89.3188% | 1,021 |
| Net loans and leases to core deposits | 112.4817% | 427 |
| Total domestic deposits to total assets | 90.0546% | 1,014 |
| Equity capital to assets | 9.0380% | 5,437 |
| Core capital (leverage) ratio | 9.0374% | 4,824 |
| Tier 1 risk-based capital ratio | 10.0008% | 6,691 |
| Total risk-based capital ratio | 11.1855% | 6,692 |
| Memoranda: |
| Average total assets | $283,347,500 | 2,300 |
| Average earning assets | $270,060,000 | 2,212 |
| Average equity | $25,166,000 | 2,686 |
| Average total loans | $233,871,500 | 1,770 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8303% | 88 |
| Cost of funding earning assets | 0.7247% | 3,291 |
| Net interest margin | 6.1056% | 81 |
| Noninterest income to average assets | 0.3749% | 4,795 |
| Noninterest expense to average assets | 3.0403% | 3,133 |
| Loan and lease loss provision to assets | 0.3633% | 1,818 |
| Net operating income to assets | 2.7942% | 110 |
| Return on assets (ROA) | 2.7942% | 118 |
| Pretax return on assets | 2.7942% | 175 |
| Return on Equity (ROE) | 29.7895% | 65 |
| Retained earnings to average equity (ytd only) | 16.5849% | 101 |
| Net charge-offs to loans | 0.0092% | 5,816 |
| Credit loss provision to net charge-offs | 4,888.8889% | 52 |
| Earnings coverage of net charge-offs (x) | 424.8889% | 94 |
| Efficiency ratio | 49.0541% | 6,648 |
| Assets per employee ($millions) | 5.1079% | 2,085 |
| Cash dividends to net income (ytd only)* | 44.3262% | 2,627 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1919% | 5,150 |
| Loan loss allowance to noncurrent loans | 93.0209% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2241% | 3,611 |
| Noncurrent loans to loans | 1.2813% | 3,695 |
| Net loans and leases to total assets | 82.5942% | 290 |
| Net loans and leases to deposits | 91.5998% | 946 |
| Net loans and leases to core deposits | 113.4173% | 428 |
| Total domestic deposits to total assets | 90.1685% | 866 |
| Equity capital to assets | 8.7227% | 5,829 |
| Core capital (leverage) ratio | 9.2286% | 4,530 |
| Tier 1 risk-based capital ratio | 9.5718% | 6,791 |
| Total risk-based capital ratio | 10.6670% | 6,806 |
| Memoranda: |
| Average total assets | $242,216,000 | 2,611 |
| Average earning assets | $231,001,600 | 2,495 |
| Average equity | $22,719,400 | 2,881 |
| Average total loans | $195,697,600 | 2,040 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8577% | 91 |
| Cost of funding earning assets | 0.7496% | 3,355 |
| Net interest margin | 6.1081% | 81 |
| Noninterest income to average assets | 0.3865% | 4,734 |
| Noninterest expense to average assets | 2.9471% | 3,422 |
| Loan and lease loss provision to assets | 0.3756% | 1,719 |
| Net operating income to assets | 2.8709% | 115 |
| Return on assets (ROA) | 2.8709% | 121 |
| Pretax return on assets | 2.8709% | 175 |
| Return on Equity (ROE) | 29.9727% | 78 |
| Retained earnings to average equity (ytd only) | 18.0004% | 120 |
| Net charge-offs to loans | 0.0115% | 5,547 |
| Credit loss provision to net charge-offs | 4,093.7500% | 68 |
| Earnings coverage of net charge-offs (x) | 353.9212% | 126 |
| Efficiency ratio | 47.5838% | 6,744 |
| Assets per employee ($millions) | 4.5709% | 2,792 |
| Cash dividends to net income (ytd only)* | 39.9441% | 2,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2741% | 4,928 |
| Loan loss allowance to noncurrent loans | 86.7632% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 3,408 |
| Noncurrent loans to loans | 1.4685% | 3,587 |
| Net loans and leases to total assets | 79.3967% | 559 |
| Net loans and leases to deposits | 88.8899% | 1,261 |
| Net loans and leases to core deposits | 107.6421% | 663 |
| Total domestic deposits to total assets | 89.3203% | 1,232 |
| Equity capital to assets | 9.4442% | 5,269 |
| Core capital (leverage) ratio | 9.7094% | 3,944 |
| Tier 1 risk-based capital ratio | 10.8131% | 6,562 |
| Total risk-based capital ratio | 11.9884% | 6,575 |
| Memoranda: |
| Average total assets | $232,536,250 | 2,723 |
| Average earning assets | $221,079,500 | 2,626 |
| Average equity | $22,273,000 | 2,974 |
| Average total loans | $185,913,250 | 2,152 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8466% | 97 |
| Cost of funding earning assets | 0.7745% | 3,406 |
| Net interest margin | 6.0721% | 86 |
| Noninterest income to average assets | 0.3439% | 5,087 |
| Noninterest expense to average assets | 3.0727% | 3,006 |
| Loan and lease loss provision to assets | 0.3801% | 1,722 |
| Net operating income to assets | 2.6502% | 142 |
| Return on assets (ROA) | 2.6502% | 152 |
| Pretax return on assets | 2.6502% | 241 |
| Return on Equity (ROE) | 27.5261% | 109 |
| Retained earnings to average equity (ytd only) | 18.3446% | 134 |
| Net charge-offs to loans | 0.0177% | 5,166 |
| Credit loss provision to net charge-offs | 2,687.5000% | 110 |
| Earnings coverage of net charge-offs (x) | 214.2500% | 207 |
| Efficiency ratio | 50.3476% | 6,622 |
| Assets per employee ($millions) | 4.1456% | 3,579 |
| Cash dividends to net income (ytd only)* | 33.3556% | 2,460 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2073% | 5,325 |
| Loan loss allowance to noncurrent loans | 69.2897% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6969% | 3,172 |
| Noncurrent loans to loans | 1.7424% | 3,290 |
| Net loans and leases to total assets | 80.0098% | 511 |
| Net loans and leases to deposits | 92.4548% | 891 |
| Net loans and leases to core deposits | 109.7090% | 586 |
| Total domestic deposits to total assets | 86.5394% | 3,046 |
| Equity capital to assets | 9.4571% | 5,121 |
| Core capital (leverage) ratio | 10.0811% | 3,301 |
| Tier 1 risk-based capital ratio | 11.1375% | 6,435 |
| Total risk-based capital ratio | 12.2914% | 6,447 |
| Memoranda: |
| Average total assets | $226,247,670 | 2,799 |
| Average earning assets | $214,587,000 | 2,708 |
| Average equity | $21,783,000 | 3,008 |
| Average total loans | $180,490,670 | 2,222 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0512% | 84 |
| Cost of funding earning assets | 0.8132% | 3,364 |
| Net interest margin | 6.2380% | 84 |
| Noninterest income to average assets | 0.3340% | 5,189 |
| Noninterest expense to average assets | 3.2179% | 2,544 |
| Loan and lease loss provision to assets | 0.3742% | 1,688 |
| Net operating income to assets | 2.6648% | 145 |
| Return on assets (ROA) | 2.6648% | 174 |
| Pretax return on assets | 2.6648% | 271 |
| Return on Equity (ROE) | 27.4114% | 135 |
| Retained earnings to average equity (ytd only) | 22.7177% | 123 |
| Net charge-offs to loans | 0.0023% | 4,716 |
| Credit loss provision to net charge-offs | 20,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 1,665.0000% | 7 |
| Efficiency ratio | 51.4294% | 6,588 |
| Assets per employee ($millions) | 4.1225% | 3,745 |
| Cash dividends to net income (ytd only)* | 17.1233% | 2,402 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2151% | 5,420 |
| Loan loss allowance to noncurrent loans | 54.3815% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 1.9128% | 3,029 |
| Noncurrent loans to loans | 2.2344% | 2,880 |
| Net loans and leases to total assets | 76.7678% | 724 |
| Net loans and leases to deposits | 86.7797% | 1,318 |
| Net loans and leases to core deposits | 103.4108% | 796 |
| Total domestic deposits to total assets | 88.4628% | 2,034 |
| Equity capital to assets | 9.6689% | 4,563 |
| Core capital (leverage) ratio | 10.0169% | 3,351 |
| Tier 1 risk-based capital ratio | 11.9119% | 6,024 |
| Total risk-based capital ratio | 13.0762% | 6,052 |
| Memoranda: |
| Average total assets | $219,150,000 | 2,905 |
| Average earning assets | $208,079,000 | 2,796 |
| Average equity | $21,305,000 | 3,072 |
| Average total loans | $173,371,500 | 2,329 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7669% | 133 |
| Cost of funding earning assets | 1.0625% | 2,937 |
| Net interest margin | 5.7044% | 128 |
| Noninterest income to average assets | 7.0929% | 86 |
| Noninterest expense to average assets | 3.3703% | 2,315 |
| Loan and lease loss provision to assets | 0.3688% | 2,781 |
| Net operating income to assets | 8.7100% | 23 |
| Return on assets (ROA) | 8.7100% | 25 |
| Pretax return on assets | 8.7100% | 33 |
| Return on Equity (ROE) | 84.4725% | 3 |
| Retained earnings to average equity (ytd only) | 47.1187% | 3 |
| Net charge-offs to loans | -0.2273% | 7,221 |
| Credit loss provision to net charge-offs | -207.6923% | 6,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0725% | 7,308 |
| Assets per employee ($millions) | 4.0685% | 3,716 |
| Cash dividends to net income (ytd only)* | 44.2200% | 2,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1358% | 5,679 |
| Loan loss allowance to noncurrent loans | 50.7467% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 2,973 |
| Noncurrent loans to loans | 2.2382% | 2,913 |
| Net loans and leases to total assets | 79.6945% | 528 |
| Net loans and leases to deposits | 89.8201% | 1,181 |
| Net loans and leases to core deposits | 108.1967% | 692 |
| Total domestic deposits to total assets | 88.7268% | 1,702 |
| Equity capital to assets | 9.7782% | 4,471 |
| Core capital (leverage) ratio | 10.0454% | 3,281 |
| Tier 1 risk-based capital ratio | 11.6145% | 6,078 |
| Total risk-based capital ratio | 12.7015% | 6,182 |
| Memoranda: |
| Average total assets | $183,042,000 | 3,286 |
| Average earning assets | $171,866,400 | 3,202 |
| Average equity | $18,873,600 | 3,299 |
| Average total loans | $142,998,000 | 2,739 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6245% | 162 |
| Cost of funding earning assets | 1.1110% | 2,902 |
| Net interest margin | 5.5135% | 170 |
| Noninterest income to average assets | 9.4340% | 67 |
| Noninterest expense to average assets | 2.7854% | 4,399 |
| Loan and lease loss provision to assets | 0.2994% | 3,131 |
| Net operating income to assets | 11.5138% | 15 |
| Return on assets (ROA) | 11.5138% | 16 |
| Pretax return on assets | 11.5138% | 24 |
| Return on Equity (ROE) | 109.9559% | 4 |
| Retained earnings to average equity (ytd only) | 82.4507% | 2 |
| Net charge-offs to loans | -0.3810% | 7,325 |
| Credit loss provision to net charge-offs | -101.5424% | 6,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.0800% | 7,407 |
| Assets per employee ($millions) | 4.0257% | 3,791 |
| Cash dividends to net income (ytd only)* | 25.0148% | 2,720 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0818% | 5,953 |
| Loan loss allowance to noncurrent loans | 29.2339% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 3.1244% | 2,048 |
| Noncurrent loans to loans | 3.7005% | 1,841 |
| Net loans and leases to total assets | 78.1802% | 691 |
| Net loans and leases to deposits | 89.0839% | 1,312 |
| Net loans and leases to core deposits | 108.8835% | 729 |
| Total domestic deposits to total assets | 87.7601% | 2,188 |
| Equity capital to assets | 11.5185% | 2,663 |
| Core capital (leverage) ratio | 12.0854% | 1,661 |
| Tier 1 risk-based capital ratio | 14.0457% | 4,325 |
| Total risk-based capital ratio | 15.0880% | 4,433 |
| Memoranda: |
| Average total assets | $175,911,750 | 3,414 |
| Average earning assets | $164,779,000 | 3,339 |
| Average equity | $18,420,250 | 3,373 |
| Average total loans | $136,112,250 | 2,905 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1840% | 337 |
| Cost of funding earning assets | 1.1655% | 2,803 |
| Net interest margin | 5.0185% | 383 |
| Noninterest income to average assets | 12.8489% | 54 |
| Noninterest expense to average assets | 2.6754% | 4,920 |
| Loan and lease loss provision to assets | 0.3583% | 2,637 |
| Net operating income to assets | 14.5055% | 10 |
| Return on assets (ROA) | 14.5055% | 10 |
| Pretax return on assets | 14.5055% | 21 |
| Return on Equity (ROE) | 144.3085% | 4 |
| Retained earnings to average equity (ytd only) | 102.7210% | 2 |
| Net charge-offs to loans | 0.0249% | 5,478 |
| Credit loss provision to net charge-offs | 1,875.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 777.8125% | 37 |
| Efficiency ratio | 15.2537% | 7,485 |
| Assets per employee ($millions) | 4.1094% | 3,535 |
| Cash dividends to net income (ytd only)* | 28.8184% | 2,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8388% | 6,799 |
| Loan loss allowance to noncurrent loans | 15.8840% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 4.3743% | 1,445 |
| Noncurrent loans to loans | 5.2807% | 1,218 |
| Net loans and leases to total assets | 78.0593% | 775 |
| Net loans and leases to deposits | 89.3962% | 1,337 |
| Net loans and leases to core deposits | 110.6641% | 701 |
| Total domestic deposits to total assets | 87.3184% | 2,559 |
| Equity capital to assets | 11.0528% | 2,902 |
| Core capital (leverage) ratio | 11.2243% | 2,096 |
| Tier 1 risk-based capital ratio | 13.7223% | 4,365 |
| Total risk-based capital ratio | 14.5418% | 4,672 |
| Memoranda: |
| Average total assets | $167,454,000 | 3,578 |
| Average earning assets | $156,500,670 | 3,518 |
| Average equity | $16,832,000 | 3,603 |
| Average total loans | $128,454,330 | 3,068 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9991% | 472 |
| Cost of funding earning assets | 1.2457% | 2,530 |
| Net interest margin | 4.7535% | 630 |
| Noninterest income to average assets | 24.0750% | 36 |
| Noninterest expense to average assets | 2.6991% | 4,837 |
| Loan and lease loss provision to assets | 0.3402% | 2,519 |
| Net operating income to assets | 25.4788% | 6 |
| Return on assets (ROA) | 25.4788% | 6 |
| Pretax return on assets | 25.4788% | 9 |
| Return on Equity (ROE) | 269.0887% | 3 |
| Retained earnings to average equity (ytd only) | 202.5485% | 3 |
| Net charge-offs to loans | 0.0534% | 4,406 |
| Credit loss provision to net charge-offs | 843.7500% | 456 |
| Earnings coverage of net charge-offs (x) | 640.3125% | 33 |
| Efficiency ratio | 9.4645% | 7,554 |
| Assets per employee ($millions) | 4.8148% | 2,406 |
| Cash dividends to net income (ytd only)* | 24.7280% | 2,116 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8215% | 6,873 |
| Loan loss allowance to noncurrent loans | 12.7552% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 4.8741% | 1,301 |
| Noncurrent loans to loans | 6.4402% | 938 |
| Net loans and leases to total assets | 71.5677% | 1,799 |
| Net loans and leases to deposits | 80.6701% | 2,578 |
| Net loans and leases to core deposits | 98.3447% | 1,487 |
| Total domestic deposits to total assets | 88.7166% | 1,949 |
| Equity capital to assets | 10.8473% | 2,831 |
| Core capital (leverage) ratio | 11.6122% | 1,789 |
| Tier 1 risk-based capital ratio | 14.9654% | 3,445 |
| Total risk-based capital ratio | 15.7811% | 3,681 |
| Memoranda: |
| Average total assets | $158,720,500 | 3,729 |
| Average earning assets | $148,354,500 | 3,671 |
| Average equity | $15,028,500 | 3,897 |
| Average total loans | $119,897,000 | 3,259 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2992% | 467 |
| Cost of funding earning assets | 1.4656% | 2,848 |
| Net interest margin | 4.8336% | 630 |
| Noninterest income to average assets | 0.5528% | 3,800 |
| Noninterest expense to average assets | 2.8395% | 4,437 |
| Loan and lease loss provision to assets | 0.6746% | 2,443 |
| Net operating income to assets | 1.6209% | 600 |
| Return on assets (ROA) | 1.6209% | 644 |
| Pretax return on assets | 1.6209% | 1,083 |
| Return on Equity (ROE) | 20.4662% | 230 |
| Retained earnings to average equity (ytd only) | 20.4662% | 55 |
| Net charge-offs to loans | 0.7041% | 2,900 |
| Credit loss provision to net charge-offs | 124.1888% | 3,320 |
| Earnings coverage of net charge-offs (x) | 4.2257% | 3,010 |
| Efficiency ratio | 55.2972% | 6,678 |
| Assets per employee ($millions) | 4.3530% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8423% | 6,874 |
| Loan loss allowance to noncurrent loans | 111.9474% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 5,236 |
| Noncurrent loans to loans | 0.7524% | 5,538 |
| Net loans and leases to total assets | 79.1888% | 772 |
| Net loans and leases to deposits | 89.8053% | 1,554 |
| Net loans and leases to core deposits | 112.3062% | 798 |
| Total domestic deposits to total assets | 88.1783% | 2,136 |
| Equity capital to assets | 7.7052% | 6,750 |
| Core capital (leverage) ratio | 8.1042% | 6,005 |
| Tier 1 risk-based capital ratio | 9.7178% | 7,074 |
| Total risk-based capital ratio | 10.5609% | 7,187 |
| Memoranda: |
| Average total assets | $124,809,200 | 4,382 |
| Average earning assets | $118,316,400 | 4,271 |
| Average equity | $9,884,600 | 5,166 |
| Average total loans | $96,295,800 | 3,890 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3279% | 480 |
| Cost of funding earning assets | 1.5378% | 2,733 |
| Net interest margin | 4.7901% | 688 |
| Noninterest income to average assets | 0.5688% | 3,660 |
| Noninterest expense to average assets | 2.7285% | 4,763 |
| Loan and lease loss provision to assets | 0.4181% | 3,396 |
| Net operating income to assets | 1.9594% | 360 |
| Return on assets (ROA) | 1.9594% | 392 |
| Pretax return on assets | 1.9594% | 681 |
| Return on Equity (ROE) | 24.5501% | 132 |
| Retained earnings to average equity (ytd only) | 24.5501% | 34 |
| Net charge-offs to loans | 0.0101% | 6,527 |
| Credit loss provision to net charge-offs | 5,428.5714% | 50 |
| Earnings coverage of net charge-offs (x) | 308.8167% | 102 |
| Efficiency ratio | 53.4368% | 6,841 |
| Assets per employee ($millions) | 4.2178% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1340% | 5,789 |
| Loan loss allowance to noncurrent loans | 80.0279% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5816% | 4,074 |
| Noncurrent loans to loans | 1.4170% | 4,491 |
| Net loans and leases to total assets | 76.4118% | 1,329 |
| Net loans and leases to deposits | 83.4050% | 2,809 |
| Net loans and leases to core deposits | 103.8414% | 1,497 |
| Total domestic deposits to total assets | 91.6154% | 275 |
| Equity capital to assets | 8.0909% | 6,719 |
| Core capital (leverage) ratio | 8.2367% | 5,982 |
| Tier 1 risk-based capital ratio | 10.6729% | 6,654 |
| Total risk-based capital ratio | 11.8312% | 6,703 |
| Memoranda: |
| Average total assets | $121,187,750 | 4,521 |
| Average earning assets | $114,789,500 | 4,408 |
| Average equity | $9,672,500 | 5,296 |
| Average total loans | $92,559,000 | 4,066 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3977% | 415 |
| Cost of funding earning assets | 1.5851% | 2,745 |
| Net interest margin | 4.8126% | 649 |
| Noninterest income to average assets | 0.5729% | 3,521 |
| Noninterest expense to average assets | 2.6458% | 5,147 |
| Loan and lease loss provision to assets | 0.4288% | 3,180 |
| Net operating income to assets | 2.0475% | 309 |
| Return on assets (ROA) | 2.0475% | 335 |
| Pretax return on assets | 2.0475% | 554 |
| Return on Equity (ROE) | 25.7835% | 110 |
| Retained earnings to average equity (ytd only) | 25.7835% | 42 |
| Net charge-offs to loans | 0.0223% | 6,027 |
| Credit loss provision to net charge-offs | 2,530.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 146.1000% | 236 |
| Efficiency ratio | 51.6545% | 7,105 |
| Assets per employee ($millions) | 3.9336% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0633% | 6,114 |
| Loan loss allowance to noncurrent loans | 97.0392% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 4,911 |
| Noncurrent loans to loans | 1.0958% | 5,128 |
| Net loans and leases to total assets | 75.1007% | 1,673 |
| Net loans and leases to deposits | 81.8808% | 3,289 |
| Net loans and leases to core deposits | 103.9361% | 1,646 |
| Total domestic deposits to total assets | 91.7196% | 288 |
| Equity capital to assets | 7.9428% | 6,814 |
| Core capital (leverage) ratio | 7.9961% | 6,281 |
| Tier 1 risk-based capital ratio | 10.5844% | 6,621 |
| Total risk-based capital ratio | 11.6613% | 6,742 |
| Memoranda: |
| Average total assets | $117,999,670 | 4,618 |
| Average earning assets | $111,539,670 | 4,522 |
| Average equity | $9,370,330 | 5,390 |
| Average total loans | $89,726,670 | 4,146 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1764% | 673 |
| Cost of funding earning assets | 1.6159% | 2,862 |
| Net interest margin | 4.5604% | 1,028 |
| Noninterest income to average assets | 0.5225% | 3,871 |
| Noninterest expense to average assets | 2.5004% | 5,732 |
| Loan and lease loss provision to assets | 0.4454% | 2,737 |
| Net operating income to assets | 1.8621% | 435 |
| Return on assets (ROA) | 1.8621% | 477 |
| Pretax return on assets | 1.8621% | 791 |
| Return on Equity (ROE) | 23.4528% | 211 |
| Retained earnings to average equity (ytd only) | 23.4528% | 125 |
| Net charge-offs to loans | 0.0092% | 5,466 |
| Credit loss provision to net charge-offs | 6,350.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 90 |
| Efficiency ratio | 52.0058% | 7,153 |
| Assets per employee ($millions) | 3.7693% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0059% | 6,436 |
| Loan loss allowance to noncurrent loans | 82.0255% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.8922% | 3,644 |
| Noncurrent loans to loans | 1.2263% | 4,924 |
| Net loans and leases to total assets | 75.7172% | 1,606 |
| Net loans and leases to deposits | 82.4625% | 3,205 |
| Net loans and leases to core deposits | 103.4917% | 1,783 |
| Total domestic deposits to total assets | 91.8201% | 282 |
| Equity capital to assets | 7.9633% | 6,698 |
| Core capital (leverage) ratio | 8.1567% | 5,981 |
| Tier 1 risk-based capital ratio | 10.3283% | 6,786 |
| Total risk-based capital ratio | 11.3259% | 6,973 |
| Memoranda: |
| Average total assets | $114,062,000 | 4,764 |
| Average earning assets | $107,182,500 | 4,673 |
| Average equity | $9,056,500 | 5,531 |
| Average total loans | $86,815,500 | 4,296 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3859% | 860 |
| Cost of funding earning assets | 2.3789% | 1,365 |
| Net interest margin | 4.0070% | 2,831 |
| Noninterest income to average assets | 0.4780% | 4,590 |
| Noninterest expense to average assets | 2.7293% | 5,252 |
| Loan and lease loss provision to assets | 0.3262% | 4,857 |
| Net operating income to assets | 1.1988% | 1,245 |
| Return on assets (ROA) | 1.2006% | 1,291 |
| Pretax return on assets | 1.2006% | 1,950 |
| Return on Equity (ROE) | 15.4647% | 608 |
| Retained earnings to average equity (ytd only) | 10.3339% | 342 |
| Net charge-offs to loans | 0.0558% | 6,546 |
| Credit loss provision to net charge-offs | 740.4255% | 394 |
| Earnings coverage of net charge-offs (x) | 34.6170% | 680 |
| Efficiency ratio | 64.1551% | 5,747 |
| Assets per employee ($millions) | 3.7092% | 4,497 |
| Cash dividends to net income (ytd only)* | 33.1772% | 3,197 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9174% | 6,738 |
| Loan loss allowance to noncurrent loans | 678.0702% | 511 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 4,908 |
| Noncurrent loans to loans | 0.1353% | 7,090 |
| Net loans and leases to total assets | 75.0252% | 2,024 |
| Net loans and leases to deposits | 86.0546% | 2,905 |
| Net loans and leases to core deposits | 137.0471% | 910 |
| Total domestic deposits to total assets | 87.1832% | 2,397 |
| Equity capital to assets | 7.9155% | 6,658 |
| Core capital (leverage) ratio | 8.2717% | 5,672 |
| Tier 1 risk-based capital ratio | 10.3836% | 6,510 |
| Total risk-based capital ratio | 11.2982% | 6,799 |
| Memoranda: |
| Average total assets | $106,694,200 | 4,911 |
| Average earning assets | $100,549,600 | 4,831 |
| Average equity | $8,283,400 | 5,841 |
| Average total loans | $84,281,600 | 4,374 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4925% | 757 |
| Cost of funding earning assets | 2.5397% | 1,180 |
| Net interest margin | 3.9528% | 3,023 |
| Noninterest income to average assets | 0.4472% | 4,917 |
| Noninterest expense to average assets | 2.6919% | 5,362 |
| Loan and lease loss provision to assets | 0.3449% | 4,255 |
| Net operating income to assets | 1.1419% | 1,601 |
| Return on assets (ROA) | 1.1419% | 1,674 |
| Pretax return on assets | 1.1419% | 2,441 |
| Return on Equity (ROE) | 14.7849% | 801 |
| Retained earnings to average equity (ytd only) | 7.8340% | 1,187 |
| Net charge-offs to loans | 0.0728% | 5,957 |
| Credit loss provision to net charge-offs | 593.4783% | 648 |
| Earnings coverage of net charge-offs (x) | 25.5876% | 1,048 |
| Efficiency ratio | 64.4196% | 5,674 |
| Assets per employee ($millions) | 3.9481% | 3,832 |
| Cash dividends to net income (ytd only)* | 47.0132% | 2,152 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8860% | 6,820 |
| Loan loss allowance to noncurrent loans | 998.5714% | 355 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 4,790 |
| Noncurrent loans to loans | 0.0887% | 7,263 |
| Net loans and leases to total assets | 76.1744% | 1,963 |
| Net loans and leases to deposits | 83.3579% | 3,763 |
| Net loans and leases to core deposits | 117.5145% | 2,469 |
| Total domestic deposits to total assets | 91.3824% | 283 |
| Equity capital to assets | 8.2085% | 6,631 |
| Core capital (leverage) ratio | 7.9911% | 6,375 |
| Tier 1 risk-based capital ratio | 11.2507% | 5,692 |
| Total risk-based capital ratio | 12.1869% | 5,970 |
| Memoranda: |
| Average total assets | $105,548,750 | 4,968 |
| Average earning assets | $99,641,250 | 4,876 |
| Average equity | $8,152,250 | 5,929 |
| Average total loans | $84,287,500 | 4,414 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3990% | 1,016 |
| Cost of funding earning assets | 2.6233% | 1,225 |
| Net interest margin | 3.7757% | 3,650 |
| Noninterest income to average assets | 0.4168% | 5,147 |
| Noninterest expense to average assets | 2.5236% | 6,043 |
| Loan and lease loss provision to assets | 0.3718% | 3,697 |
| Net operating income to assets | 1.0834% | 1,831 |
| Return on assets (ROA) | 1.0834% | 1,904 |
| Pretax return on assets | 1.0834% | 2,695 |
| Return on Equity (ROE) | 14.3158% | 941 |
| Retained earnings to average equity (ytd only) | 3.7712% | 3,199 |
| Net charge-offs to loans | 0.0372% | 5,937 |
| Credit loss provision to net charge-offs | 1,237.5000% | 399 |
| Earnings coverage of net charge-offs (x) | 48.4375% | 698 |
| Efficiency ratio | 63.4261% | 6,018 |
| Assets per employee ($millions) | 3.5738% | 4,634 |
| Cash dividends to net income (ytd only)* | 73.6568% | 1,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7577% | 7,281 |
| Loan loss allowance to noncurrent loans | 408.7500% | 776 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 4,644 |
| Noncurrent loans to loans | 0.1854% | 7,053 |
| Net loans and leases to total assets | 79.8991% | 1,331 |
| Net loans and leases to deposits | 86.8370% | 3,379 |
| Net loans and leases to core deposits | 113.9317% | 2,914 |
| Total domestic deposits to total assets | 92.0104% | 211 |
| Equity capital to assets | 7.5289% | 7,237 |
| Core capital (leverage) ratio | 7.5677% | 6,940 |
| Tier 1 risk-based capital ratio | 10.1490% | 6,775 |
| Total risk-based capital ratio | 10.9713% | 7,155 |
| Memoranda: |
| Average total assets | $106,515,000 | 4,974 |
| Average earning assets | $100,484,330 | 4,879 |
| Average equity | $8,061,000 | 5,997 |
| Average total loans | $86,086,000 | 4,399 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3172% | 1,246 |
| Cost of funding earning assets | 2.7125% | 1,231 |
| Net interest margin | 3.6047% | 4,300 |
| Noninterest income to average assets | 0.3956% | 5,247 |
| Noninterest expense to average assets | 2.5583% | 5,614 |
| Loan and lease loss provision to assets | 0.2826% | 3,697 |
| Net operating income to assets | 0.9495% | 2,517 |
| Return on assets (ROA) | 0.9495% | 2,646 |
| Pretax return on assets | 0.9495% | 3,536 |
| Return on Equity (ROE) | 12.5132% | 1,510 |
| Retained earnings to average equity (ytd only) | 12.5132% | 709 |
| Net charge-offs to loans | -0.0140% | 7,353 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4950% | 5,051 |
| Assets per employee ($millions) | 3.8778% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6561% | 7,558 |
| Loan loss allowance to noncurrent loans | 129.0398% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 1.8815% | 3,088 |
| Noncurrent loans to loans | 0.5084% | 6,157 |
| Net loans and leases to total assets | 79.6888% | 1,444 |
| Net loans and leases to deposits | 86.8210% | 3,506 |
| Net loans and leases to core deposits | 112.2736% | 3,190 |
| Total domestic deposits to total assets | 91.7852% | 214 |
| Equity capital to assets | 7.8118% | 7,050 |
| Core capital (leverage) ratio | 7.5313% | 7,122 |
| Tier 1 risk-based capital ratio | 10.2553% | 6,641 |
| Total risk-based capital ratio | 10.9467% | 7,169 |
| Memoranda: |
| Average total assets | $106,165,500 | 4,999 |
| Average earning assets | $99,981,000 | 4,917 |
| Average equity | $8,055,500 | 6,042 |
| Average total loans | $85,970,500 | 4,426 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1343% | 847 |
| Cost of funding earning assets | 3.4347% | 640 |
| Net interest margin | 3.6997% | 4,474 |
| Noninterest income to average assets | 0.5436% | 4,279 |
| Noninterest expense to average assets | 2.5417% | 5,853 |
| Loan and lease loss provision to assets | 0.3736% | 3,443 |
| Net operating income to assets | 1.0905% | 2,183 |
| Return on assets (ROA) | 1.0905% | 2,099 |
| Pretax return on assets | 1.0905% | 3,058 |
| Return on Equity (ROE) | 14.4038% | 1,029 |
| Retained earnings to average equity (ytd only) | 12.9735% | 165 |
| Net charge-offs to loans | 0.0922% | 5,413 |
| Credit loss provision to net charge-offs | 500.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 19.5942% | 1,619 |
| Efficiency ratio | 63.4496% | 5,681 |
| Assets per employee ($millions) | 4.4846% | 2,639 |
| Cash dividends to net income (ytd only)* | 9.9305% | 4,691 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5366% | 7,790 |
| Loan loss allowance to noncurrent loans | 113.7349% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 4,143 |
| Noncurrent loans to loans | 0.4718% | 5,928 |
| Net loans and leases to total assets | 81.2812% | 1,365 |
| Net loans and leases to deposits | 91.2155% | 3,255 |
| Net loans and leases to core deposits | 113.4655% | 3,398 |
| Total domestic deposits to total assets | 89.1090% | 1,002 |
| Equity capital to assets | 7.3697% | 7,493 |
| Core capital (leverage) ratio | 7.6223% | 7,049 |
| Tier 1 risk-based capital ratio | 9.8342% | 6,914 |
| Total risk-based capital ratio | 10.4203% | 7,609 |
| Memoranda: |
| Average total assets | $92,341,000 | 5,283 |
| Average earning assets | $86,413,000 | 5,211 |
| Average equity | $6,991,200 | 6,456 |
| Average total loans | $74,831,200 | 4,700 |
