Home > Central Bank > Performance and Condition Ratios
Central Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6920% | 290 |
| Cost of funding earning assets | 0.9455% | 3,421 |
| Net interest margin | 5.7465% | 143 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 3.7301% | 451 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.2799% | 307 |
| Return on assets (ROA) | 2.2830% | 300 |
| Pretax return on assets | 2.2830% | 446 |
| Return on Equity (ROE) | 27.1000% | 247 |
| Retained earnings to average equity (ytd only) | 14.1678% | 387 |
| Net charge-offs to loans | -0.0101% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.9962% | 2,971 |
| Assets per employee ($millions) | 7.2959% | 1,868 |
| Cash dividends to net income (ytd only)* | 47.7227% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 2,949 |
| Loan loss allowance to noncurrent loans | 4,505.7143% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,275 |
| Noncurrent loans to loans | 0.0239% | 3,575 |
| Net loans and leases to total assets | 78.3200% | 833 |
| Net loans and leases to deposits | 86.9531% | 1,537 |
| Net loans and leases to core deposits | 97.0096% | 1,597 |
| Total domestic deposits to total assets | 90.0700% | 739 |
| Equity capital to assets | 8.7527% | 2,859 |
| Core capital (leverage) ratio | 10.1460% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6877% | 1,991 |
| Memoranda: | ||
| Average total assets | $1,046,328,400 | 943 |
| Average earning assets | $1,000,745,400 | 907 |
| Average equity | $88,143,800 | 1,053 |
| Average total loans | $820,640,800 | 849 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6423% | 268 |
| Cost of funding earning assets | 0.8303% | 3,453 |
| Net interest margin | 5.8120% | 122 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 3.7910% | 424 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.3194% | 320 |
| Return on assets (ROA) | 2.3194% | 313 |
| Pretax return on assets | 2.3194% | 472 |
| Return on Equity (ROE) | 27.8200% | 277 |
| Retained earnings to average equity (ytd only) | 14.3226% | 636 |
| Net charge-offs to loans | -0.0086% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.2166% | 2,815 |
| Assets per employee ($millions) | 6.7239% | 2,167 |
| Cash dividends to net income (ytd only)* | 48.5247% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,028 |
| Loan loss allowance to noncurrent loans | 5,747.4359% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,301 |
| Noncurrent loans to loans | 0.0186% | 3,636 |
| Net loans and leases to total assets | 78.1800% | 858 |
| Net loans and leases to deposits | 86.3764% | 1,525 |
| Net loans and leases to core deposits | 98.4672% | 1,420 |
| Total domestic deposits to total assets | 90.5100% | 807 |
| Equity capital to assets | 8.2080% | 2,916 |
| Core capital (leverage) ratio | 10.1081% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7903% | 1,978 |
| Memoranda: | ||
| Average total assets | $1,030,665,250 | 956 |
| Average earning assets | $986,423,000 | 918 |
| Average equity | $85,913,250 | 1,066 |
| Average total loans | $806,309,250 | 858 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5101% | 259 |
| Cost of funding earning assets | 0.7155% | 3,440 |
| Net interest margin | 5.7946% | 125 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.8093% | 400 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.3084% | 302 |
| Return on assets (ROA) | 2.3084% | 297 |
| Pretax return on assets | 2.3084% | 463 |
| Return on Equity (ROE) | 27.5500% | 276 |
| Retained earnings to average equity (ytd only) | 15.8486% | 490 |
| Net charge-offs to loans | -0.0098% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5426% | 2,770 |
| Assets per employee ($millions) | 6.5676% | 2,241 |
| Cash dividends to net income (ytd only)* | 42.4665% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,130 |
| Loan loss allowance to noncurrent loans | 6,629.0076% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 2,221 |
| Noncurrent loans to loans | 0.0160% | 3,654 |
| Net loans and leases to total assets | 77.4900% | 887 |
| Net loans and leases to deposits | 85.6472% | 1,530 |
| Net loans and leases to core deposits | 95.0373% | 1,520 |
| Total domestic deposits to total assets | 90.4700% | 793 |
| Equity capital to assets | 8.3743% | 2,970 |
| Core capital (leverage) ratio | 9.9939% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7501% | 2,006 |
| Memoranda: | ||
| Average total assets | $1,020,092,333 | 955 |
| Average earning assets | $975,808,667 | 919 |
| Average equity | $85,484,000 | 1,063 |
| Average total loans | $795,240,000 | 854 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3453% | 215 |
| Cost of funding earning assets | 0.5163% | 3,635 |
| Net interest margin | 5.8290% | 112 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 3.8297% | 400 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.4027% | 279 |
| Return on assets (ROA) | 2.4027% | 275 |
| Pretax return on assets | 2.4027% | 411 |
| Return on Equity (ROE) | 28.6600% | 264 |
| Retained earnings to average equity (ytd only) | 14.4612% | 871 |
| Net charge-offs to loans | -0.0133% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1868% | 2,794 |
| Assets per employee ($millions) | 6.4209% | 2,389 |
| Cash dividends to net income (ytd only)* | 49.5458% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,410 |
| Loan loss allowance to noncurrent loans | 5,470.5882% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 2,158 |
| Noncurrent loans to loans | 0.0187% | 3,651 |
| Net loans and leases to total assets | 77.6600% | 804 |
| Net loans and leases to deposits | 89.0761% | 1,128 |
| Net loans and leases to core deposits | 96.8896% | 1,240 |
| Total domestic deposits to total assets | 87.1900% | 2,194 |
| Equity capital to assets | 8.4298% | 2,946 |
| Core capital (leverage) ratio | 9.9678% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4600% | 2,193 |
| Memoranda: | ||
| Average total assets | $1,008,018,000 | 981 |
| Average earning assets | $963,867,000 | 942 |
| Average equity | $84,502,000 | 1,085 |
| Average total loans | $783,935,500 | 873 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6530% | 128 |
| Cost of funding earning assets | 0.1582% | 4,070 |
| Net interest margin | 5.4948% | 86 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.8205% | 376 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.8648% | 377 |
| Return on assets (ROA) | 1.8116% | 415 |
| Pretax return on assets | 1.8116% | 715 |
| Return on Equity (ROE) | 21.0600% | 393 |
| Retained earnings to average equity (ytd only) | 11.7719% | 720 |
| Net charge-offs to loans | 0.0055% | 2,224 |
| Credit loss provision to net charge-offs | 2,900.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 479.0513% | 345 |
| Efficiency ratio | 65.8090% | 2,260 |
| Assets per employee ($millions) | 6.2555% | 2,549 |
| Cash dividends to net income (ytd only)* | 44.1030% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,561 |
| Loan loss allowance to noncurrent loans | 5,052.6012% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 2,095 |
| Noncurrent loans to loans | 0.0230% | 3,631 |
| Net loans and leases to total assets | 76.1300% | 993 |
| Net loans and leases to deposits | 84.1818% | 1,458 |
| Net loans and leases to core deposits | 86.6119% | 1,702 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 8.3331% | 2,826 |
| Core capital (leverage) ratio | 9.9615% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1935% | 1,903 |
| Memoranda: | ||
| Average total assets | $941,232,400 | 1,037 |
| Average earning assets | $899,721,400 | 999 |
| Average equity | $80,963,800 | 1,121 |
| Average total loans | $704,650,800 | 903 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 124 |
| Cost of funding earning assets | 0.1204% | 4,122 |
| Net interest margin | 5.3040% | 89 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 3.8088% | 372 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.6975% | 534 |
| Return on assets (ROA) | 1.6960% | 523 |
| Pretax return on assets | 1.6960% | 911 |
| Return on Equity (ROE) | 19.5600% | 473 |
| Retained earnings to average equity (ytd only) | 10.7867% | 1,108 |
| Net charge-offs to loans | 0.0140% | 1,597 |
| Credit loss provision to net charge-offs | 864.3836% | 450 |
| Earnings coverage of net charge-offs (x) | 171.2877% | 685 |
| Efficiency ratio | 68.0572% | 2,018 |
| Assets per employee ($millions) | 6.0684% | 2,704 |
| Cash dividends to net income (ytd only)* | 44.8453% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 2,787 |
| Loan loss allowance to noncurrent loans | 2,011.5196% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 2,018 |
| Noncurrent loans to loans | 0.0572% | 3,473 |
| Net loans and leases to total assets | 73.5000% | 1,139 |
| Net loans and leases to deposits | 81.1166% | 1,515 |
| Net loans and leases to core deposits | 84.4034% | 1,625 |
| Total domestic deposits to total assets | 90.6200% | 1,397 |
| Equity capital to assets | 7.9457% | 2,931 |
| Core capital (leverage) ratio | 9.7102% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0238% | 2,047 |
| Memoranda: | ||
| Average total assets | $932,577,500 | 1,052 |
| Average earning assets | $891,311,500 | 1,015 |
| Average equity | $80,875,000 | 1,131 |
| Average total loans | $692,893,500 | 911 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 141 |
| Cost of funding earning assets | 0.0831% | 4,343 |
| Net interest margin | 5.0495% | 103 |
| Noninterest income to average assets | 0.4787% | 2,313 |
| Noninterest expense to average assets | 3.7823% | 329 |
| Loan and lease loss provision to assets | 0.0717% | 1,336 |
| Net operating income to assets | 1.4505% | 797 |
| Return on assets (ROA) | 1.4505% | 775 |
| Pretax return on assets | 1.4505% | 1,308 |
| Return on Equity (ROE) | 16.2545% | 665 |
| Retained earnings to average equity (ytd only) | 9.2918% | 1,202 |
| Net charge-offs to loans | -0.0146% | 3,750 |
| Credit loss provision to net charge-offs | -662.0000% | 3,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3044% | 1,793 |
| Assets per employee ($millions) | 6.1163% | 2,639 |
| Cash dividends to net income (ytd only)* | 42.8358% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,867.4419% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 2,104 |
| Noncurrent loans to loans | 0.0605% | 3,499 |
| Net loans and leases to total assets | 73.6245% | 949 |
| Net loans and leases to deposits | 81.0041% | 1,315 |
| Net loans and leases to core deposits | 86.5864% | 1,295 |
| Total domestic deposits to total assets | 90.8898% | 1,283 |
| Equity capital to assets | 8.0242% | 3,108 |
| Core capital (leverage) ratio | 9.6178% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8111% | 2,150 |
| Memoranda: | ||
| Average total assets | $923,834,000 | 1,058 |
| Average earning assets | $882,903,000 | 1,031 |
| Average equity | $82,438,667 | 1,127 |
| Average total loans | $686,200,667 | 907 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 148 |
| Cost of funding earning assets | 0.0737% | 4,417 |
| Net interest margin | 4.9513% | 100 |
| Noninterest income to average assets | 0.5133% | 2,080 |
| Noninterest expense to average assets | 3.8126% | 317 |
| Loan and lease loss provision to assets | 0.0577% | 1,360 |
| Net operating income to assets | 1.3743% | 844 |
| Return on assets (ROA) | 1.3743% | 838 |
| Pretax return on assets | 1.3743% | 1,317 |
| Return on Equity (ROE) | 14.6269% | 714 |
| Retained earnings to average equity (ytd only) | 5.7252% | 2,342 |
| Net charge-offs to loans | -0.0018% | 3,088 |
| Credit loss provision to net charge-offs | -4,366.6667% | 3,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6960% | 1,888 |
| Assets per employee ($millions) | 6.1040% | 2,708 |
| Cash dividends to net income (ytd only)* | 60.8584% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,193 |
| Loan loss allowance to noncurrent loans | 1,729.5556% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,558 |
| Noncurrent loans to loans | 0.0654% | 3,523 |
| Net loans and leases to total assets | 73.3280% | 713 |
| Net loans and leases to deposits | 81.5597% | 1,041 |
| Net loans and leases to core deposits | 86.5938% | 1,099 |
| Total domestic deposits to total assets | 89.9071% | 1,617 |
| Equity capital to assets | 8.7787% | 2,902 |
| Core capital (leverage) ratio | 9.4409% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7108% | 2,340 |
| Memoranda: | ||
| Average total assets | $908,679,000 | 1,069 |
| Average earning assets | $868,301,500 | 1,048 |
| Average equity | $85,377,000 | 1,134 |
| Average total loans | $674,044,000 | 912 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1501% | 207 |
| Cost of funding earning assets | 0.1174% | 4,251 |
| Net interest margin | 5.0327% | 138 |
| Noninterest income to average assets | 0.3750% | 3,186 |
| Noninterest expense to average assets | 3.7019% | 387 |
| Loan and lease loss provision to assets | 0.0426% | 2,199 |
| Net operating income to assets | 1.4419% | 1,154 |
| Return on assets (ROA) | 1.5566% | 926 |
| Pretax return on assets | 1.5566% | 1,553 |
| Return on Equity (ROE) | 15.2507% | 896 |
| Retained earnings to average equity (ytd only) | 6.6437% | 2,059 |
| Net charge-offs to loans | 0.0111% | 2,150 |
| Credit loss provision to net charge-offs | 522.8571% | 781 |
| Earnings coverage of net charge-offs (x) | 182.0286% | 575 |
| Efficiency ratio | 71.3759% | 1,577 |
| Assets per employee ($millions) | 5.9701% | 2,808 |
| Cash dividends to net income (ytd only)* | 56.4371% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 3,084 |
| Loan loss allowance to noncurrent loans | 1,634.4017% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,617 |
| Noncurrent loans to loans | 0.0709% | 3,583 |
| Net loans and leases to total assets | 73.3307% | 721 |
| Net loans and leases to deposits | 82.6083% | 1,011 |
| Net loans and leases to core deposits | 89.8733% | 976 |
| Total domestic deposits to total assets | 88.7691% | 1,633 |
| Equity capital to assets | 10.0393% | 2,621 |
| Core capital (leverage) ratio | 9.6172% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3623% | 2,092 |
| Memoranda: | ||
| Average total assets | $858,293,800 | 1,082 |
| Average earning assets | $820,546,600 | 1,061 |
| Average equity | $87,602,400 | 1,123 |
| Average total loans | $633,120,800 | 957 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 237 |
| Cost of funding earning assets | 0.1299% | 4,264 |
| Net interest margin | 5.0217% | 153 |
| Noninterest income to average assets | 0.3429% | 3,394 |
| Noninterest expense to average assets | 3.6360% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5061% | 1,259 |
| Return on assets (ROA) | 1.6241% | 1,017 |
| Pretax return on assets | 1.6241% | 1,628 |
| Return on Equity (ROE) | 15.8448% | 982 |
| Retained earnings to average equity (ytd only) | 6.8824% | 2,461 |
| Net charge-offs to loans | 0.0070% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 291.1212% | 449 |
| Efficiency ratio | 70.7104% | 1,528 |
| Assets per employee ($millions) | 6.1775% | 2,525 |
| Cash dividends to net income (ytd only)* | 56.5637% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,142 |
| Loan loss allowance to noncurrent loans | 654.7406% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 3,251 |
| Noncurrent loans to loans | 0.1779% | 3,241 |
| Net loans and leases to total assets | 71.8348% | 887 |
| Net loans and leases to deposits | 80.9495% | 1,197 |
| Net loans and leases to core deposits | 90.8653% | 990 |
| Total domestic deposits to total assets | 88.7403% | 1,437 |
| Equity capital to assets | 10.3285% | 2,593 |
| Core capital (leverage) ratio | 9.7599% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0804% | 1,943 |
| Memoranda: | ||
| Average total assets | $850,480,500 | 1,100 |
| Average earning assets | $812,805,500 | 1,079 |
| Average equity | $87,177,000 | 1,143 |
| Average total loans | $626,411,000 | 986 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 298 |
| Cost of funding earning assets | 0.1455% | 4,242 |
| Net interest margin | 4.9332% | 181 |
| Noninterest income to average assets | 0.3027% | 3,621 |
| Noninterest expense to average assets | 3.6212% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3875% | 1,592 |
| Return on assets (ROA) | 1.4856% | 1,392 |
| Pretax return on assets | 1.4856% | 2,064 |
| Return on Equity (ROE) | 14.5314% | 1,276 |
| Retained earnings to average equity (ytd only) | 5.2209% | 3,110 |
| Net charge-offs to loans | 0.0083% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 225.6538% | 465 |
| Efficiency ratio | 72.2980% | 1,402 |
| Assets per employee ($millions) | 6.3119% | 2,318 |
| Cash dividends to net income (ytd only)* | 64.0720% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,123 |
| Loan loss allowance to noncurrent loans | 365.8512% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 2,795 |
| Noncurrent loans to loans | 0.3178% | 2,781 |
| Net loans and leases to total assets | 70.4895% | 1,144 |
| Net loans and leases to deposits | 78.8806% | 1,535 |
| Net loans and leases to core deposits | 93.7332% | 914 |
| Total domestic deposits to total assets | 89.3623% | 1,100 |
| Equity capital to assets | 9.8794% | 2,970 |
| Core capital (leverage) ratio | 9.6462% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0302% | 1,959 |
| Memoranda: | ||
| Average total assets | $845,692,667 | 1,102 |
| Average earning assets | $806,741,000 | 1,082 |
| Average equity | $86,461,000 | 1,146 |
| Average total loans | $625,688,333 | 986 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0786% | 314 |
| Cost of funding earning assets | 0.1679% | 4,183 |
| Net interest margin | 4.9107% | 205 |
| Noninterest income to average assets | 0.3155% | 3,520 |
| Noninterest expense to average assets | 3.6627% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3369% | 1,722 |
| Return on assets (ROA) | 1.5377% | 1,309 |
| Pretax return on assets | 1.5377% | 1,891 |
| Return on Equity (ROE) | 14.7744% | 1,262 |
| Retained earnings to average equity (ytd only) | 1.5249% | 4,114 |
| Net charge-offs to loans | -0.0167% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2604% | 1,375 |
| Assets per employee ($millions) | 5.9726% | 2,625 |
| Cash dividends to net income (ytd only)* | 89.6790% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,988 |
| Loan loss allowance to noncurrent loans | 1,211.6585% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,848 |
| Noncurrent loans to loans | 0.0982% | 3,814 |
| Net loans and leases to total assets | 73.8032% | 834 |
| Net loans and leases to deposits | 83.1347% | 1,231 |
| Net loans and leases to core deposits | 98.6801% | 769 |
| Total domestic deposits to total assets | 88.7754% | 1,453 |
| Equity capital to assets | 10.2788% | 2,450 |
| Core capital (leverage) ratio | 9.6196% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0299% | 1,889 |
| Memoranda: | ||
| Average total assets | $826,706,500 | 1,112 |
| Average earning assets | $788,564,500 | 1,094 |
| Average equity | $86,041,000 | 1,143 |
| Average total loans | $623,423,000 | 984 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 208 |
| Cost of funding earning assets | 0.4900% | 3,010 |
| Net interest margin | 4.9434% | 134 |
| Noninterest income to average assets | 0.2785% | 3,811 |
| Noninterest expense to average assets | 3.5701% | 630 |
| Loan and lease loss provision to assets | 0.0993% | 3,096 |
| Net operating income to assets | 1.3090% | 1,222 |
| Return on assets (ROA) | 1.4059% | 1,090 |
| Pretax return on assets | 1.4059% | 1,639 |
| Return on Equity (ROE) | 13.7994% | 863 |
| Retained earnings to average equity (ytd only) | 6.7450% | 1,489 |
| Net charge-offs to loans | 0.0215% | 2,630 |
| Credit loss provision to net charge-offs | 592.5926% | 1,114 |
| Earnings coverage of net charge-offs (x) | 84.0815% | 871 |
| Efficiency ratio | 71.7123% | 1,716 |
| Assets per employee ($millions) | 5.8802% | 2,460 |
| Cash dividends to net income (ytd only)* | 51.1207% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 3,093 |
| Loan loss allowance to noncurrent loans | 197.5551% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,226 |
| Noncurrent loans to loans | 0.5938% | 2,212 |
| Net loans and leases to total assets | 75.2418% | 875 |
| Net loans and leases to deposits | 85.1771% | 1,324 |
| Net loans and leases to core deposits | 96.9846% | 1,061 |
| Total domestic deposits to total assets | 88.3357% | 1,310 |
| Equity capital to assets | 10.5376% | 2,639 |
| Core capital (leverage) ratio | 10.0758% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6346% | 1,995 |
| Memoranda: | ||
| Average total assets | $806,024,600 | 1,051 |
| Average earning assets | $766,312,000 | 1,022 |
| Average equity | $82,119,600 | 1,129 |
| Average total loans | $627,147,800 | 943 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 236 |
| Cost of funding earning assets | 0.5773% | 2,756 |
| Net interest margin | 4.9134% | 165 |
| Noninterest income to average assets | 0.3065% | 3,656 |
| Noninterest expense to average assets | 3.5810% | 628 |
| Loan and lease loss provision to assets | 0.1331% | 2,689 |
| Net operating income to assets | 1.2647% | 1,436 |
| Return on assets (ROA) | 1.2765% | 1,513 |
| Pretax return on assets | 1.2765% | 2,135 |
| Return on Equity (ROE) | 12.6409% | 1,207 |
| Retained earnings to average equity (ytd only) | 4.3361% | 2,878 |
| Net charge-offs to loans | -0.0108% | 4,245 |
| Credit loss provision to net charge-offs | -1,568.6275% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9253% | 1,652 |
| Assets per employee ($millions) | 5.9417% | 2,314 |
| Cash dividends to net income (ytd only)* | 65.6983% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,766 |
| Loan loss allowance to noncurrent loans | 324.2581% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 3,013 |
| Noncurrent loans to loans | 0.3644% | 2,979 |
| Net loans and leases to total assets | 78.0210% | 829 |
| Net loans and leases to deposits | 88.4098% | 1,440 |
| Net loans and leases to core deposits | 103.6965% | 946 |
| Total domestic deposits to total assets | 88.2492% | 1,090 |
| Equity capital to assets | 10.5574% | 2,739 |
| Core capital (leverage) ratio | 9.5635% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8549% | 1,877 |
| Memoranda: | ||
| Average total assets | $801,725,500 | 1,038 |
| Average earning assets | $762,392,750 | 1,014 |
| Average equity | $80,962,500 | 1,137 |
| Average total loans | $627,245,000 | 939 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 306 |
| Cost of funding earning assets | 0.6756% | 2,525 |
| Net interest margin | 4.8788% | 250 |
| Noninterest income to average assets | 0.2721% | 3,846 |
| Noninterest expense to average assets | 3.6535% | 610 |
| Loan and lease loss provision to assets | 0.1813% | 2,209 |
| Net operating income to assets | 1.0718% | 2,066 |
| Return on assets (ROA) | 1.0895% | 2,127 |
| Pretax return on assets | 1.0895% | 2,740 |
| Return on Equity (ROE) | 10.9567% | 1,645 |
| Retained earnings to average equity (ytd only) | 1.2904% | 4,011 |
| Net charge-offs to loans | -0.0545% | 4,703 |
| Credit loss provision to net charge-offs | -426.4706% | 3,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4609% | 1,422 |
| Assets per employee ($millions) | 5.8920% | 2,277 |
| Cash dividends to net income (ytd only)* | 88.2231% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,498 |
| Loan loss allowance to noncurrent loans | 266.9131% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 2,907 |
| Noncurrent loans to loans | 0.4508% | 2,800 |
| Net loans and leases to total assets | 76.0257% | 1,134 |
| Net loans and leases to deposits | 85.8661% | 1,781 |
| Net loans and leases to core deposits | 102.8933% | 1,070 |
| Total domestic deposits to total assets | 88.5398% | 926 |
| Equity capital to assets | 10.0316% | 3,176 |
| Core capital (leverage) ratio | 9.4634% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3676% | 2,043 |
| Memoranda: | ||
| Average total assets | $799,611,667 | 1,030 |
| Average earning assets | $759,565,000 | 1,006 |
| Average equity | $79,513,000 | 1,147 |
| Average total loans | $623,659,667 | 936 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9091% | 181 |
| Cost of funding earning assets | 0.7707% | 2,542 |
| Net interest margin | 5.1384% | 159 |
| Noninterest income to average assets | 0.2476% | 4,072 |
| Noninterest expense to average assets | 3.7948% | 626 |
| Loan and lease loss provision to assets | 0.1139% | 2,259 |
| Net operating income to assets | 1.2037% | 1,506 |
| Return on assets (ROA) | 1.2037% | 1,621 |
| Pretax return on assets | 1.2037% | 2,185 |
| Return on Equity (ROE) | 12.1600% | 1,065 |
| Retained earnings to average equity (ytd only) | 0.4297% | 3,897 |
| Net charge-offs to loans | -0.1077% | 4,834 |
| Credit loss provision to net charge-offs | -134.7305% | 3,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2274% | 1,783 |
| Assets per employee ($millions) | 5.7806% | 1,862 |
| Cash dividends to net income (ytd only)* | 96.4661% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,105 |
| Loan loss allowance to noncurrent loans | 307.4251% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 3,299 |
| Noncurrent loans to loans | 0.3633% | 3,196 |
| Net loans and leases to total assets | 78.0028% | 986 |
| Net loans and leases to deposits | 89.5306% | 1,565 |
| Net loans and leases to core deposits | 111.8189% | 763 |
| Total domestic deposits to total assets | 87.1242% | 1,507 |
| Equity capital to assets | 9.7474% | 3,997 |
| Core capital (leverage) ratio | 9.6320% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7276% | 2,376 |
| Memoranda: | ||
| Average total assets | $789,925,000 | 1,014 |
| Average earning assets | $747,859,500 | 989 |
| Average equity | $78,191,000 | 1,162 |
| Average total loans | $620,378,500 | 919 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4313% | 119 |
| Cost of funding earning assets | 0.9384% | 2,018 |
| Net interest margin | 5.4929% | 116 |
| Noninterest income to average assets | 0.2436% | 4,222 |
| Noninterest expense to average assets | 3.8592% | 621 |
| Loan and lease loss provision to assets | 0.1451% | 1,475 |
| Net operating income to assets | 1.4502% | 1,190 |
| Return on assets (ROA) | 1.4483% | 1,259 |
| Pretax return on assets | 1.4483% | 1,982 |
| Return on Equity (ROE) | 15.2105% | 651 |
| Retained earnings to average equity (ytd only) | 10.3163% | 436 |
| Net charge-offs to loans | 0.0190% | 3,048 |
| Credit loss provision to net charge-offs | 973.4513% | 359 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 645 |
| Efficiency ratio | 70.7523% | 2,059 |
| Assets per employee ($millions) | 5.4290% | 2,130 |
| Cash dividends to net income (ytd only)* | 32.1764% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 2,947 |
| Loan loss allowance to noncurrent loans | 776.7712% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 4,075 |
| Noncurrent loans to loans | 0.1419% | 3,964 |
| Net loans and leases to total assets | 77.3152% | 1,202 |
| Net loans and leases to deposits | 86.8455% | 1,987 |
| Net loans and leases to core deposits | 99.8397% | 1,576 |
| Total domestic deposits to total assets | 89.0261% | 660 |
| Equity capital to assets | 10.0549% | 3,867 |
| Core capital (leverage) ratio | 9.9985% | 3,519 |
| Tier 1 risk-based capital ratio | 12.9039% | 3,839 |
| Total risk-based capital ratio | 14.0531% | 3,784 |
| Memoranda: | ||
| Average total assets | $757,908,200 | 1,021 |
| Average earning assets | $718,996,400 | 992 |
| Average equity | $72,167,200 | 1,193 |
| Average total loans | $595,770,400 | 914 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4839% | 114 |
| Cost of funding earning assets | 0.9609% | 1,933 |
| Net interest margin | 5.5230% | 118 |
| Noninterest income to average assets | 0.2851% | 4,030 |
| Noninterest expense to average assets | 3.9463% | 564 |
| Loan and lease loss provision to assets | 0.1947% | 911 |
| Net operating income to assets | 1.3933% | 1,494 |
| Return on assets (ROA) | 1.3933% | 1,558 |
| Pretax return on assets | 1.3933% | 2,336 |
| Return on Equity (ROE) | 14.8468% | 810 |
| Retained earnings to average equity (ytd only) | 10.5561% | 612 |
| Net charge-offs to loans | 0.0544% | 2,054 |
| Credit loss provision to net charge-offs | 454.5455% | 683 |
| Earnings coverage of net charge-offs (x) | 37.0742% | 1,434 |
| Efficiency ratio | 71.3061% | 1,922 |
| Assets per employee ($millions) | 5.1623% | 2,384 |
| Cash dividends to net income (ytd only)* | 28.8999% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 3,088 |
| Loan loss allowance to noncurrent loans | 385.0851% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 3,669 |
| Noncurrent loans to loans | 0.2826% | 3,526 |
| Net loans and leases to total assets | 79.6441% | 895 |
| Net loans and leases to deposits | 90.8610% | 1,584 |
| Net loans and leases to core deposits | 110.9737% | 898 |
| Total domestic deposits to total assets | 87.6548% | 1,189 |
| Equity capital to assets | 10.1488% | 3,871 |
| Core capital (leverage) ratio | 9.9270% | 3,713 |
| Tier 1 risk-based capital ratio | 12.5856% | 4,094 |
| Total risk-based capital ratio | 13.7131% | 4,049 |
| Memoranda: | ||
| Average total assets | $753,299,000 | 1,023 |
| Average earning assets | $715,949,750 | 993 |
| Average equity | $70,693,750 | 1,211 |
| Average total loans | $592,982,750 | 919 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4241% | 125 |
| Cost of funding earning assets | 0.9578% | 1,875 |
| Net interest margin | 5.4663% | 132 |
| Noninterest income to average assets | 0.2792% | 4,064 |
| Noninterest expense to average assets | 3.9121% | 593 |
| Loan and lease loss provision to assets | 0.2384% | 661 |
| Net operating income to assets | 1.3271% | 1,669 |
| Return on assets (ROA) | 1.3271% | 1,726 |
| Pretax return on assets | 1.3271% | 2,453 |
| Return on Equity (ROE) | 14.5323% | 870 |
| Retained earnings to average equity (ytd only) | 7.9320% | 1,429 |
| Net charge-offs to loans | 0.1363% | 1,109 |
| Credit loss provision to net charge-offs | 223.8806% | 1,119 |
| Earnings coverage of net charge-offs (x) | 14.6990% | 2,019 |
| Efficiency ratio | 71.4196% | 2,000 |
| Assets per employee ($millions) | 5.0352% | 2,437 |
| Cash dividends to net income (ytd only)* | 45.4182% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,391 |
| Loan loss allowance to noncurrent loans | 555.8744% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,020 |
| Noncurrent loans to loans | 0.1872% | 3,883 |
| Net loans and leases to total assets | 78.5771% | 1,108 |
| Net loans and leases to deposits | 88.4650% | 1,945 |
| Net loans and leases to core deposits | 107.4334% | 1,146 |
| Total domestic deposits to total assets | 88.8228% | 737 |
| Equity capital to assets | 9.7180% | 4,217 |
| Core capital (leverage) ratio | 9.5173% | 4,126 |
| Tier 1 risk-based capital ratio | 12.2846% | 4,248 |
| Total risk-based capital ratio | 13.3677% | 4,239 |
| Memoranda: | ||
| Average total assets | $754,887,670 | 1,025 |
| Average earning assets | $717,893,670 | 997 |
| Average equity | $68,936,000 | 1,220 |
| Average total loans | $589,737,000 | 924 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3895% | 130 |
| Cost of funding earning assets | 0.9314% | 1,882 |
| Net interest margin | 5.4581% | 136 |
| Noninterest income to average assets | 0.2911% | 3,932 |
| Noninterest expense to average assets | 3.8346% | 633 |
| Loan and lease loss provision to assets | 0.2377% | 632 |
| Net operating income to assets | 1.4009% | 1,377 |
| Return on assets (ROA) | 1.4009% | 1,408 |
| Pretax return on assets | 1.4009% | 2,079 |
| Return on Equity (ROE) | 15.8447% | 607 |
| Retained earnings to average equity (ytd only) | 15.8447% | 231 |
| Net charge-offs to loans | -0.0007% | 3,796 |
| Credit loss provision to net charge-offs | -45,000.0000% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0608% | 2,328 |
| Assets per employee ($millions) | 5.1221% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,478 |
| Loan loss allowance to noncurrent loans | 3,661.9048% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,745 |
| Noncurrent loans to loans | 0.0284% | 4,652 |
| Net loans and leases to total assets | 77.8547% | 1,183 |
| Net loans and leases to deposits | 86.6218% | 2,054 |
| Net loans and leases to core deposits | 103.8365% | 1,329 |
| Total domestic deposits to total assets | 89.8790% | 497 |
| Equity capital to assets | 9.1902% | 4,544 |
| Core capital (leverage) ratio | 9.0008% | 4,655 |
| Tier 1 risk-based capital ratio | 11.9043% | 4,515 |
| Total risk-based capital ratio | 12.9866% | 4,501 |
| Memoranda: | ||
| Average total assets | $757,212,000 | 1,020 |
| Average earning assets | $718,934,500 | 998 |
| Average equity | $66,950,000 | 1,244 |
| Average total loans | $586,748,500 | 936 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0383% | 158 |
| Cost of funding earning assets | 0.7186% | 1,971 |
| Net interest margin | 5.3196% | 155 |
| Noninterest income to average assets | 0.3597% | 3,686 |
| Noninterest expense to average assets | 3.5744% | 901 |
| Loan and lease loss provision to assets | 0.5998% | 186 |
| Net operating income to assets | 1.2366% | 2,026 |
| Return on assets (ROA) | 1.2489% | 1,974 |
| Pretax return on assets | 1.2489% | 2,700 |
| Return on Equity (ROE) | 13.7902% | 1,101 |
| Retained earnings to average equity (ytd only) | 7.7979% | 1,331 |
| Net charge-offs to loans | 0.6288% | 270 |
| Credit loss provision to net charge-offs | 123.4931% | 2,117 |
| Earnings coverage of net charge-offs (x) | 3.7809% | 3,380 |
| Efficiency ratio | 66.0605% | 2,868 |
| Assets per employee ($millions) | 5.3250% | 2,126 |
| Cash dividends to net income (ytd only)* | 43.4534% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,802 |
| Loan loss allowance to noncurrent loans | 259.4447% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 3,426 |
| Noncurrent loans to loans | 0.3781% | 3,179 |
| Net loans and leases to total assets | 75.5689% | 1,679 |
| Net loans and leases to deposits | 83.6279% | 2,551 |
| Net loans and leases to core deposits | 97.2571% | 1,949 |
| Total domestic deposits to total assets | 90.3633% | 359 |
| Equity capital to assets | 8.4970% | 4,933 |
| Core capital (leverage) ratio | 9.0640% | 4,588 |
| Tier 1 risk-based capital ratio | 11.6803% | 4,633 |
| Total risk-based capital ratio | 12.7050% | 4,651 |
| Memoranda: | ||
| Average total assets | $700,231,400 | 1,060 |
| Average earning assets | $664,876,200 | 1,032 |
| Average equity | $63,414,800 | 1,259 |
| Average total loans | $540,830,400 | 966 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8920% | 184 |
| Cost of funding earning assets | 0.6631% | 2,079 |
| Net interest margin | 5.2289% | 172 |
| Noninterest income to average assets | 0.3778% | 3,615 |
| Noninterest expense to average assets | 3.5145% | 966 |
| Loan and lease loss provision to assets | 0.1947% | 906 |
| Net operating income to assets | 1.6375% | 873 |
| Return on assets (ROA) | 1.6543% | 840 |
| Pretax return on assets | 1.6543% | 1,400 |
| Return on Equity (ROE) | 17.9583% | 430 |
| Retained earnings to average equity (ytd only) | 13.4148% | 312 |
| Net charge-offs to loans | -0.0329% | 4,783 |
| Credit loss provision to net charge-offs | -763.3588% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7322% | 2,917 |
| Assets per employee ($millions) | 5.0079% | 2,458 |
| Cash dividends to net income (ytd only)* | 25.3001% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,359 |
| Loan loss allowance to noncurrent loans | 310.9278% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,593 |
| Noncurrent loans to loans | 0.3438% | 3,424 |
| Net loans and leases to total assets | 78.5108% | 1,256 |
| Net loans and leases to deposits | 87.5294% | 2,210 |
| Net loans and leases to core deposits | 101.2851% | 1,671 |
| Total domestic deposits to total assets | 89.6965% | 599 |
| Equity capital to assets | 9.2449% | 4,329 |
| Core capital (leverage) ratio | 9.4876% | 4,191 |
| Tier 1 risk-based capital ratio | 12.3164% | 4,309 |
| Total risk-based capital ratio | 13.4364% | 4,286 |
| Memoranda: | ||
| Average total assets | $684,920,000 | 1,077 |
| Average earning assets | $650,856,500 | 1,052 |
| Average equity | $63,092,750 | 1,265 |
| Average total loans | $530,753,000 | 981 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 370 |
| Cost of funding earning assets | 0.5931% | 2,272 |
| Net interest margin | 4.8283% | 348 |
| Noninterest income to average assets | 0.4466% | 3,175 |
| Noninterest expense to average assets | 3.2947% | 1,334 |
| Loan and lease loss provision to assets | 0.1183% | 1,674 |
| Net operating income to assets | 1.6256% | 863 |
| Return on assets (ROA) | 1.6460% | 816 |
| Pretax return on assets | 1.6460% | 1,354 |
| Return on Equity (ROE) | 17.8912% | 427 |
| Retained earnings to average equity (ytd only) | 14.5155% | 235 |
| Net charge-offs to loans | -0.0500% | 4,925 |
| Credit loss provision to net charge-offs | -307.6923% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3889% | 3,088 |
| Assets per employee ($millions) | 4.8563% | 2,606 |
| Cash dividends to net income (ytd only)* | 18.8679% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,903 |
| Loan loss allowance to noncurrent loans | 309.9886% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 3,758 |
| Noncurrent loans to loans | 0.3199% | 3,562 |
| Net loans and leases to total assets | 77.5448% | 1,388 |
| Net loans and leases to deposits | 89.1500% | 1,954 |
| Net loans and leases to core deposits | 100.3540% | 1,708 |
| Total domestic deposits to total assets | 86.9824% | 1,848 |
| Equity capital to assets | 9.1853% | 4,393 |
| Core capital (leverage) ratio | 9.6027% | 3,995 |
| Tier 1 risk-based capital ratio | 12.4119% | 4,238 |
| Total risk-based capital ratio | 13.4576% | 4,246 |
| Memoranda: | ||
| Average total assets | $676,185,000 | 1,085 |
| Average earning assets | $643,077,330 | 1,064 |
| Average equity | $62,209,330 | 1,286 |
| Average total loans | $519,556,670 | 1,007 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 559 |
| Cost of funding earning assets | 0.5487% | 2,415 |
| Net interest margin | 4.5741% | 531 |
| Noninterest income to average assets | 0.2762% | 4,318 |
| Noninterest expense to average assets | 3.2518% | 1,450 |
| Loan and lease loss provision to assets | 0.1083% | 1,724 |
| Net operating income to assets | 1.2711% | 1,740 |
| Return on assets (ROA) | 1.3126% | 1,607 |
| Pretax return on assets | 1.3126% | 2,315 |
| Return on Equity (ROE) | 14.2556% | 953 |
| Retained earnings to average equity (ytd only) | 14.2556% | 388 |
| Net charge-offs to loans | -0.0142% | 4,399 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2144% | 2,453 |
| Assets per employee ($millions) | 6.4881% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.0909% | 1,695 |
| Net loans and leases to deposits | 83.4940% | 2,452 |
| Net loans and leases to core deposits | 105.1706% | 1,301 |
| Total domestic deposits to total assets | 89.9357% | 685 |
| Equity capital to assets | 9.2740% | 4,292 |
| Core capital (leverage) ratio | 9.4072% | 4,178 |
| Tier 1 risk-based capital ratio | 13.1488% | 3,878 |
| Total risk-based capital ratio | 14.2190% | 3,864 |
| Memoranda: | ||
| Average total assets | $664,621,000 | 1,114 |
| Average earning assets | $632,774,000 | 1,086 |
| Average equity | $61,197,000 | 1,303 |
| Average total loans | $505,479,000 | 1,038 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 569 |
| Cost of funding earning assets | 0.4439% | 2,835 |
| Net interest margin | 4.6214% | 480 |
| Noninterest income to average assets | 0.2555% | 4,607 |
| Noninterest expense to average assets | 3.2602% | 1,461 |
| Loan and lease loss provision to assets | 0.1110% | 2,041 |
| Net operating income to assets | 1.2759% | 1,288 |
| Return on assets (ROA) | 1.2759% | 1,309 |
| Pretax return on assets | 1.2759% | 2,448 |
| Return on Equity (ROE) | 14.0061% | 757 |
| Retained earnings to average equity (ytd only) | 7.9225% | 795 |
| Net charge-offs to loans | 0.0338% | 3,115 |
| Credit loss provision to net charge-offs | 429.8780% | 722 |
| Earnings coverage of net charge-offs (x) | 53.7134% | 1,040 |
| Efficiency ratio | 70.1552% | 2,523 |
| Assets per employee ($millions) | 6.4486% | 1,236 |
| Cash dividends to net income (ytd only)* | 43.4353% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 4,124 |
| Loan loss allowance to noncurrent loans | 5,445.5556% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,094 |
| Noncurrent loans to loans | 0.0177% | 4,945 |
| Net loans and leases to total assets | 75.6366% | 1,661 |
| Net loans and leases to deposits | 86.2059% | 2,235 |
| Net loans and leases to core deposits | 105.4286% | 1,308 |
| Total domestic deposits to total assets | 87.7395% | 1,636 |
| Equity capital to assets | 9.0963% | 4,619 |
| Core capital (leverage) ratio | 9.4127% | 4,145 |
| Tier 1 risk-based capital ratio | 12.8035% | 4,035 |
| Total risk-based capital ratio | 13.8413% | 4,041 |
| Memoranda: | ||
| Average total assets | $635,141,800 | 1,140 |
| Average earning assets | $603,564,200 | 1,108 |
| Average equity | $57,860,400 | 1,359 |
| Average total loans | $485,725,400 | 1,060 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 525 |
| Cost of funding earning assets | 0.4150% | 3,043 |
| Net interest margin | 4.6626% | 442 |
| Noninterest income to average assets | 0.2580% | 4,657 |
| Noninterest expense to average assets | 3.2736% | 1,402 |
| Loan and lease loss provision to assets | 0.1179% | 1,836 |
| Net operating income to assets | 1.2970% | 1,346 |
| Return on assets (ROA) | 1.2970% | 1,381 |
| Pretax return on assets | 1.2970% | 2,510 |
| Return on Equity (ROE) | 14.2322% | 783 |
| Retained earnings to average equity (ytd only) | 6.0303% | 2,213 |
| Net charge-offs to loans | 0.0047% | 3,566 |
| Credit loss provision to net charge-offs | 3,264.7059% | 140 |
| Earnings coverage of net charge-offs (x) | 391.8738% | 242 |
| Efficiency ratio | 69.8220% | 2,562 |
| Assets per employee ($millions) | 6.2653% | 1,329 |
| Cash dividends to net income (ytd only)* | 57.6294% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,109 |
| Loan loss allowance to noncurrent loans | 2,592.0635% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,019 |
| Noncurrent loans to loans | 0.0383% | 4,947 |
| Net loans and leases to total assets | 75.7965% | 1,622 |
| Net loans and leases to deposits | 89.9468% | 1,815 |
| Net loans and leases to core deposits | 107.0837% | 1,196 |
| Total domestic deposits to total assets | 84.2682% | 3,017 |
| Equity capital to assets | 9.1260% | 4,803 |
| Core capital (leverage) ratio | 9.2903% | 4,420 |
| Tier 1 risk-based capital ratio | 12.4051% | 4,372 |
| Total risk-based capital ratio | 13.4445% | 4,394 |
| Memoranda: | ||
| Average total assets | $627,876,000 | 1,155 |
| Average earning assets | $596,617,750 | 1,125 |
| Average equity | $57,221,000 | 1,385 |
| Average total loans | $480,336,000 | 1,074 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 513 |
| Cost of funding earning assets | 0.3889% | 3,192 |
| Net interest margin | 4.6719% | 416 |
| Noninterest income to average assets | 0.2726% | 4,594 |
| Noninterest expense to average assets | 3.2814% | 1,405 |
| Loan and lease loss provision to assets | 0.0820% | 2,352 |
| Net operating income to assets | 1.3471% | 1,183 |
| Return on assets (ROA) | 1.3471% | 1,209 |
| Pretax return on assets | 1.3471% | 2,221 |
| Return on Equity (ROE) | 14.7890% | 695 |
| Retained earnings to average equity (ytd only) | 5.6121% | 2,341 |
| Net charge-offs to loans | 0.0080% | 3,171 |
| Credit loss provision to net charge-offs | 1,342.1053% | 314 |
| Earnings coverage of net charge-offs (x) | 233.9474% | 361 |
| Efficiency ratio | 69.6608% | 2,736 |
| Assets per employee ($millions) | 5.9450% | 1,505 |
| Cash dividends to net income (ytd only)* | 62.0525% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 4,391 |
| Loan loss allowance to noncurrent loans | 4,142.3423% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,218 |
| Noncurrent loans to loans | 0.0230% | 5,071 |
| Net loans and leases to total assets | 75.6993% | 1,585 |
| Net loans and leases to deposits | 89.3814% | 1,820 |
| Net loans and leases to core deposits | 102.4274% | 1,472 |
| Total domestic deposits to total assets | 84.6924% | 2,939 |
| Equity capital to assets | 9.1953% | 4,720 |
| Core capital (leverage) ratio | 9.1828% | 4,512 |
| Tier 1 risk-based capital ratio | 12.3510% | 4,387 |
| Total risk-based capital ratio | 13.3391% | 4,448 |
| Memoranda: | ||
| Average total assets | $622,058,330 | 1,170 |
| Average earning assets | $590,896,000 | 1,136 |
| Average equity | $56,663,670 | 1,395 |
| Average total loans | $475,769,330 | 1,087 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 421 |
| Cost of funding earning assets | 0.3819% | 3,189 |
| Net interest margin | 4.7513% | 341 |
| Noninterest income to average assets | 0.2641% | 4,651 |
| Noninterest expense to average assets | 3.3146% | 1,356 |
| Loan and lease loss provision to assets | 0.0518% | 2,773 |
| Net operating income to assets | 1.4149% | 972 |
| Return on assets (ROA) | 1.4149% | 1,001 |
| Pretax return on assets | 1.4149% | 1,836 |
| Return on Equity (ROE) | 15.6080% | 578 |
| Retained earnings to average equity (ytd only) | 4.1840% | 3,365 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3245% | 2,992 |
| Assets per employee ($millions) | 6.0336% | 1,487 |
| Cash dividends to net income (ytd only)* | 73.1930% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 4,659 |
| Loan loss allowance to noncurrent loans | 17,080.7692% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,357 |
| Noncurrent loans to loans | 0.0054% | 5,241 |
| Net loans and leases to total assets | 75.7687% | 1,450 |
| Net loans and leases to deposits | 88.4076% | 1,744 |
| Net loans and leases to core deposits | 101.6488% | 1,391 |
| Total domestic deposits to total assets | 85.7039% | 2,793 |
| Equity capital to assets | 9.0009% | 4,800 |
| Core capital (leverage) ratio | 9.2657% | 4,391 |
| Tier 1 risk-based capital ratio | 12.0182% | 4,703 |
| Total risk-based capital ratio | 12.9633% | 4,801 |
| Memoranda: | ||
| Average total assets | $618,002,000 | 1,175 |
| Average earning assets | $587,541,000 | 1,143 |
| Average equity | $56,022,500 | 1,404 |
| Average total loans | $472,837,500 | 1,085 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 764 |
| Cost of funding earning assets | 0.3506% | 3,511 |
| Net interest margin | 4.5322% | 579 |
| Noninterest income to average assets | 0.3157% | 4,474 |
| Noninterest expense to average assets | 3.3202% | 1,535 |
| Loan and lease loss provision to assets | 0.0675% | 3,018 |
| Net operating income to assets | 1.2327% | 1,401 |
| Return on assets (ROA) | 1.2503% | 1,436 |
| Pretax return on assets | 1.2503% | 2,473 |
| Return on Equity (ROE) | 14.0574% | 763 |
| Retained earnings to average equity (ytd only) | 5.8470% | 1,794 |
| Net charge-offs to loans | -0.0194% | 5,121 |
| Credit loss provision to net charge-offs | -454.5455% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8582% | 2,609 |
| Assets per employee ($millions) | 5.6344% | 1,758 |
| Cash dividends to net income (ytd only)* | 58.4065% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,630 |
| Loan loss allowance to noncurrent loans | 15,575.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,417 |
| Noncurrent loans to loans | 0.0060% | 5,290 |
| Net loans and leases to total assets | 75.8293% | 1,537 |
| Net loans and leases to deposits | 89.9490% | 1,689 |
| Net loans and leases to core deposits | 104.0168% | 1,280 |
| Total domestic deposits to total assets | 84.3026% | 3,319 |
| Equity capital to assets | 9.1313% | 4,668 |
| Core capital (leverage) ratio | 9.2702% | 4,382 |
| Tier 1 risk-based capital ratio | 12.1311% | 4,639 |
| Total risk-based capital ratio | 13.0778% | 4,738 |
| Memoranda: | ||
| Average total assets | $592,262,200 | 1,182 |
| Average earning assets | $562,530,600 | 1,152 |
| Average equity | $52,677,000 | 1,459 |
| Average total loans | $452,639,000 | 1,083 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 770 |
| Cost of funding earning assets | 0.3440% | 3,613 |
| Net interest margin | 4.5308% | 587 |
| Noninterest income to average assets | 0.2657% | 4,872 |
| Noninterest expense to average assets | 3.3169% | 1,526 |
| Loan and lease loss provision to assets | 0.0907% | 2,413 |
| Net operating income to assets | 1.1603% | 1,765 |
| Return on assets (ROA) | 1.1839% | 1,795 |
| Pretax return on assets | 1.1839% | 2,898 |
| Return on Equity (ROE) | 13.4036% | 943 |
| Retained earnings to average equity (ytd only) | 2.4970% | 4,424 |
| Net charge-offs to loans | -0.0187% | 4,981 |
| Credit loss provision to net charge-offs | -634.9206% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6131% | 2,481 |
| Assets per employee ($millions) | 5.7221% | 1,642 |
| Cash dividends to net income (ytd only)* | 81.3709% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,818 |
| Loan loss allowance to noncurrent loans | 14,453.3333% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 4,986 |
| Noncurrent loans to loans | 0.0064% | 5,391 |
| Net loans and leases to total assets | 77.1347% | 1,339 |
| Net loans and leases to deposits | 93.5141% | 1,318 |
| Net loans and leases to core deposits | 106.5851% | 1,143 |
| Total domestic deposits to total assets | 82.4846% | 3,785 |
| Equity capital to assets | 9.0820% | 5,094 |
| Core capital (leverage) ratio | 8.9108% | 4,928 |
| Tier 1 risk-based capital ratio | 11.3585% | 5,177 |
| Total risk-based capital ratio | 12.2744% | 5,268 |
| Memoranda: | ||
| Average total assets | $588,199,500 | 1,186 |
| Average earning assets | $558,527,500 | 1,157 |
| Average equity | $51,955,000 | 1,482 |
| Average total loans | $449,350,750 | 1,088 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 749 |
| Cost of funding earning assets | 0.3491% | 3,581 |
| Net interest margin | 4.5358% | 571 |
| Noninterest income to average assets | 0.2756% | 4,812 |
| Noninterest expense to average assets | 3.3734% | 1,424 |
| Loan and lease loss provision to assets | 0.1031% | 2,122 |
| Net operating income to assets | 1.1067% | 1,934 |
| Return on assets (ROA) | 1.1067% | 2,058 |
| Pretax return on assets | 1.1067% | 3,173 |
| Return on Equity (ROE) | 12.6534% | 1,117 |
| Retained earnings to average equity (ytd only) | -3.0602% | 5,639 |
| Net charge-offs to loans | -0.0290% | 5,106 |
| Credit loss provision to net charge-offs | -468.7500% | 4,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6037% | 2,419 |
| Assets per employee ($millions) | 5.5487% | 1,747 |
| Cash dividends to net income (ytd only)* | 124.1850% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 4,843 |
| Loan loss allowance to noncurrent loans | 880.8732% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 5,203 |
| Noncurrent loans to loans | 0.1057% | 5,023 |
| Net loans and leases to total assets | 75.2571% | 1,602 |
| Net loans and leases to deposits | 88.4877% | 1,919 |
| Net loans and leases to core deposits | 100.8308% | 1,571 |
| Total domestic deposits to total assets | 85.0481% | 2,856 |
| Equity capital to assets | 8.9009% | 5,312 |
| Core capital (leverage) ratio | 8.8483% | 5,001 |
| Tier 1 risk-based capital ratio | 11.0795% | 5,378 |
| Total risk-based capital ratio | 11.9818% | 5,480 |
| Memoranda: | ||
| Average total assets | $582,086,330 | 1,207 |
| Average earning assets | $552,808,000 | 1,175 |
| Average equity | $50,911,330 | 1,510 |
| Average total loans | $441,738,330 | 1,106 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 631 |
| Cost of funding earning assets | 0.3446% | 3,663 |
| Net interest margin | 4.6113% | 488 |
| Noninterest income to average assets | 0.2999% | 4,584 |
| Noninterest expense to average assets | 3.4448% | 1,288 |
| Loan and lease loss provision to assets | 0.1046% | 1,958 |
| Net operating income to assets | 1.1271% | 1,802 |
| Return on assets (ROA) | 1.1271% | 1,907 |
| Pretax return on assets | 1.1271% | 2,983 |
| Return on Equity (ROE) | 13.0067% | 1,038 |
| Retained earnings to average equity (ytd only) | -10.3345% | 5,815 |
| Net charge-offs to loans | -0.0018% | 4,115 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6614% | 2,536 |
| Assets per employee ($millions) | 5.5047% | 1,825 |
| Cash dividends to net income (ytd only)* | 179.4554% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 5,049 |
| Loan loss allowance to noncurrent loans | 11,838.2353% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,655 |
| Noncurrent loans to loans | 0.0076% | 5,491 |
| Net loans and leases to total assets | 75.7088% | 1,435 |
| Net loans and leases to deposits | 89.6223% | 1,618 |
| Net loans and leases to core deposits | 100.2267% | 1,466 |
| Total domestic deposits to total assets | 84.4754% | 3,325 |
| Equity capital to assets | 8.4355% | 5,611 |
| Core capital (leverage) ratio | 8.4053% | 5,476 |
| Tier 1 risk-based capital ratio | 10.4375% | 5,778 |
| Total risk-based capital ratio | 11.3124% | 5,838 |
| Memoranda: | ||
| Average total assets | $573,502,000 | 1,226 |
| Average earning assets | $544,320,500 | 1,192 |
| Average equity | $49,697,500 | 1,535 |
| Average total loans | $434,998,000 | 1,118 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4227% | 306 |
| Cost of funding earning assets | 0.3639% | 3,541 |
| Net interest margin | 5.0588% | 225 |
| Noninterest income to average assets | 0.2789% | 4,887 |
| Noninterest expense to average assets | 3.5038% | 1,284 |
| Loan and lease loss provision to assets | 0.0820% | 2,655 |
| Net operating income to assets | 1.4770% | 900 |
| Return on assets (ROA) | 1.5122% | 874 |
| Pretax return on assets | 1.5122% | 1,520 |
| Return on Equity (ROE) | 17.4912% | 415 |
| Retained earnings to average equity (ytd only) | 11.2857% | 312 |
| Net charge-offs to loans | 0.0052% | 4,265 |
| Credit loss provision to net charge-offs | 2,142.8571% | 156 |
| Earnings coverage of net charge-offs (x) | 407.5238% | 157 |
| Efficiency ratio | 69.2070% | 3,364 |
| Assets per employee ($millions) | 5.4183% | 1,890 |
| Cash dividends to net income (ytd only)* | 35.4777% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 5,040 |
| Loan loss allowance to noncurrent loans | 798.5567% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 5,286 |
| Noncurrent loans to loans | 0.1143% | 5,043 |
| Net loans and leases to total assets | 74.5935% | 1,630 |
| Net loans and leases to deposits | 88.5489% | 1,805 |
| Net loans and leases to core deposits | 99.1291% | 1,582 |
| Total domestic deposits to total assets | 84.2399% | 3,384 |
| Equity capital to assets | 8.9039% | 5,214 |
| Core capital (leverage) ratio | 8.7575% | 5,156 |
| Tier 1 risk-based capital ratio | 11.1251% | 5,459 |
| Total risk-based capital ratio | 11.9991% | 5,564 |
| Memoranda: | ||
| Average total assets | $548,944,600 | 1,236 |
| Average earning assets | $519,115,800 | 1,210 |
| Average equity | $47,458,200 | 1,560 |
| Average total loans | $402,205,000 | 1,150 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4928% | 270 |
| Cost of funding earning assets | 0.3692% | 3,553 |
| Net interest margin | 5.1236% | 199 |
| Noninterest income to average assets | 0.2873% | 4,892 |
| Noninterest expense to average assets | 3.5282% | 1,239 |
| Loan and lease loss provision to assets | 0.1100% | 2,044 |
| Net operating income to assets | 1.4905% | 933 |
| Return on assets (ROA) | 1.5113% | 942 |
| Pretax return on assets | 1.5113% | 1,651 |
| Return on Equity (ROE) | 17.6171% | 428 |
| Retained earnings to average equity (ytd only) | 9.2232% | 819 |
| Net charge-offs to loans | 0.0071% | 3,924 |
| Credit loss provision to net charge-offs | 2,142.8571% | 177 |
| Earnings coverage of net charge-offs (x) | 311.7064% | 231 |
| Efficiency ratio | 68.7929% | 3,409 |
| Assets per employee ($millions) | 5.3501% | 1,909 |
| Cash dividends to net income (ytd only)* | 47.6460% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 5,029 |
| Loan loss allowance to noncurrent loans | 10,758.3333% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 5,783 |
| Noncurrent loans to loans | 0.0087% | 5,608 |
| Net loans and leases to total assets | 72.1561% | 2,039 |
| Net loans and leases to deposits | 84.5248% | 2,341 |
| Net loans and leases to core deposits | 95.0397% | 1,975 |
| Total domestic deposits to total assets | 85.3668% | 2,844 |
| Equity capital to assets | 8.5640% | 5,668 |
| Core capital (leverage) ratio | 8.3326% | 5,690 |
| Tier 1 risk-based capital ratio | 10.9726% | 5,669 |
| Total risk-based capital ratio | 11.8733% | 5,756 |
| Memoranda: | ||
| Average total assets | $545,304,500 | 1,251 |
| Average earning assets | $515,279,750 | 1,225 |
| Average equity | $46,779,250 | 1,589 |
| Average total loans | $396,703,500 | 1,166 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5023% | 268 |
| Cost of funding earning assets | 0.3776% | 3,526 |
| Net interest margin | 5.1247% | 203 |
| Noninterest income to average assets | 0.2911% | 4,882 |
| Noninterest expense to average assets | 3.5418% | 1,235 |
| Loan and lease loss provision to assets | 0.1115% | 1,974 |
| Net operating income to assets | 1.4761% | 940 |
| Return on assets (ROA) | 1.5077% | 927 |
| Pretax return on assets | 1.5077% | 1,629 |
| Return on Equity (ROE) | 17.5648% | 442 |
| Retained earnings to average equity (ytd only) | 7.8427% | 1,325 |
| Net charge-offs to loans | 0.0107% | 3,535 |
| Credit loss provision to net charge-offs | 1,428.5714% | 258 |
| Earnings coverage of net charge-offs (x) | 203.3810% | 345 |
| Efficiency ratio | 69.0485% | 3,485 |
| Assets per employee ($millions) | 5.2131% | 2,029 |
| Cash dividends to net income (ytd only)* | 55.3501% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 5,263 |
| Loan loss allowance to noncurrent loans | 9,797.3684% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,876 |
| Noncurrent loans to loans | 0.0093% | 5,732 |
| Net loans and leases to total assets | 72.5370% | 1,891 |
| Net loans and leases to deposits | 85.3048% | 2,134 |
| Net loans and leases to core deposits | 97.7229% | 1,670 |
| Total domestic deposits to total assets | 85.0328% | 3,108 |
| Equity capital to assets | 8.4006% | 5,761 |
| Core capital (leverage) ratio | 8.3550% | 5,671 |
| Tier 1 risk-based capital ratio | 10.7300% | 5,830 |
| Total risk-based capital ratio | 11.6030% | 5,914 |
| Memoranda: | ||
| Average total assets | $538,036,330 | 1,273 |
| Average earning assets | $507,970,670 | 1,243 |
| Average equity | $46,183,330 | 1,611 |
| Average total loans | $391,245,670 | 1,179 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 300 |
| Cost of funding earning assets | 0.3748% | 3,592 |
| Net interest margin | 5.0318% | 240 |
| Noninterest income to average assets | 0.2780% | 4,949 |
| Noninterest expense to average assets | 3.5997% | 1,139 |
| Loan and lease loss provision to assets | 0.1136% | 1,818 |
| Net operating income to assets | 1.3125% | 1,230 |
| Return on assets (ROA) | 1.3769% | 1,136 |
| Pretax return on assets | 1.3769% | 1,971 |
| Return on Equity (ROE) | 15.8620% | 586 |
| Retained earnings to average equity (ytd only) | 8.0095% | 1,568 |
| Net charge-offs to loans | -0.0575% | 5,587 |
| Credit loss provision to net charge-offs | -272.7273% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6245% | 3,233 |
| Assets per employee ($millions) | 4.9903% | 2,370 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 5,274 |
| Loan loss allowance to noncurrent loans | 2,038.5475% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 5,806 |
| Noncurrent loans to loans | 0.0463% | 5,599 |
| Net loans and leases to total assets | 71.1207% | 1,963 |
| Net loans and leases to deposits | 83.9880% | 2,078 |
| Net loans and leases to core deposits | 95.8613% | 1,627 |
| Total domestic deposits to total assets | 84.6796% | 3,547 |
| Equity capital to assets | 8.6280% | 5,632 |
| Core capital (leverage) ratio | 8.5828% | 5,442 |
| Tier 1 risk-based capital ratio | 10.8779% | 5,863 |
| Total risk-based capital ratio | 11.7626% | 5,950 |
| Memoranda: | ||
| Average total assets | $528,151,500 | 1,292 |
| Average earning assets | $498,352,500 | 1,268 |
| Average equity | $45,845,500 | 1,628 |
| Average total loans | $382,699,000 | 1,206 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6837% | 232 |
| Cost of funding earning assets | 0.3573% | 4,172 |
| Net interest margin | 5.3264% | 175 |
| Noninterest income to average assets | 0.4356% | 3,926 |
| Noninterest expense to average assets | 3.8488% | 918 |
| Loan and lease loss provision to assets | -0.0309% | 5,971 |
| Net operating income to assets | 1.6149% | 690 |
| Return on assets (ROA) | 1.6359% | 686 |
| Pretax return on assets | 1.6359% | 1,136 |
| Return on Equity (ROE) | 18.5596% | 351 |
| Retained earnings to average equity (ytd only) | 10.3200% | 470 |
| Net charge-offs to loans | -0.1144% | 6,147 |
| Credit loss provision to net charge-offs | 38.9610% | 3,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8434% | 3,404 |
| Assets per employee ($millions) | 4.5783% | 2,908 |
| Cash dividends to net income (ytd only)* | 44.3955% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 5,443 |
| Loan loss allowance to noncurrent loans | 1,803.1414% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 5,892 |
| Noncurrent loans to loans | 0.0505% | 5,677 |
| Net loans and leases to total assets | 72.4843% | 1,834 |
| Net loans and leases to deposits | 87.7938% | 1,759 |
| Net loans and leases to core deposits | 99.7619% | 1,406 |
| Total domestic deposits to total assets | 82.5621% | 4,229 |
| Equity capital to assets | 8.7349% | 5,554 |
| Core capital (leverage) ratio | 8.5916% | 5,457 |
| Tier 1 risk-based capital ratio | 11.5418% | 5,630 |
| Total risk-based capital ratio | 12.4468% | 5,754 |
| Memoranda: | ||
| Average total assets | $485,347,200 | 1,374 |
| Average earning assets | $455,352,800 | 1,348 |
| Average equity | $42,781,000 | 1,683 |
| Average total loans | $336,517,400 | 1,296 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5960% | 276 |
| Cost of funding earning assets | 0.3550% | 4,283 |
| Net interest margin | 5.2410% | 191 |
| Noninterest income to average assets | 0.4924% | 3,595 |
| Noninterest expense to average assets | 3.8593% | 900 |
| Loan and lease loss provision to assets | -0.0978% | 6,269 |
| Net operating income to assets | 1.6424% | 682 |
| Return on assets (ROA) | 1.6709% | 678 |
| Pretax return on assets | 1.6709% | 1,138 |
| Return on Equity (ROE) | 18.9095% | 361 |
| Retained earnings to average equity (ytd only) | 10.8488% | 544 |
| Net charge-offs to loans | -0.5676% | 6,474 |
| Credit loss provision to net charge-offs | 25.2161% | 3,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4168% | 3,281 |
| Assets per employee ($millions) | 4.3903% | 3,145 |
| Cash dividends to net income (ytd only)* | 42.6279% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,231 |
| Loan loss allowance to noncurrent loans | 1,572.9630% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 5,927 |
| Noncurrent loans to loans | 0.0762% | 5,721 |
| Net loans and leases to total assets | 71.2119% | 1,988 |
| Net loans and leases to deposits | 85.6662% | 1,943 |
| Net loans and leases to core deposits | 94.3362% | 1,825 |
| Total domestic deposits to total assets | 83.1271% | 4,083 |
| Equity capital to assets | 8.9438% | 5,413 |
| Core capital (leverage) ratio | 8.6676% | 5,486 |
| Tier 1 risk-based capital ratio | 11.9346% | 5,529 |
| Total risk-based capital ratio | 13.1150% | 5,498 |
| Memoranda: | ||
| Average total assets | $477,346,750 | 1,413 |
| Average earning assets | $447,331,500 | 1,384 |
| Average equity | $42,178,750 | 1,713 |
| Average total loans | $326,036,500 | 1,347 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 307 |
| Cost of funding earning assets | 0.3548% | 4,382 |
| Net interest margin | 5.1453% | 219 |
| Noninterest income to average assets | 0.5235% | 3,312 |
| Noninterest expense to average assets | 3.8209% | 945 |
| Loan and lease loss provision to assets | -0.2328% | 6,494 |
| Net operating income to assets | 1.7530% | 530 |
| Return on assets (ROA) | 1.7543% | 556 |
| Pretax return on assets | 1.7543% | 925 |
| Return on Equity (ROE) | 19.9379% | 294 |
| Retained earnings to average equity (ytd only) | 9.8367% | 759 |
| Net charge-offs to loans | -0.7505% | 6,554 |
| Credit loss provision to net charge-offs | 46.2963% | 2,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5372% | 3,428 |
| Assets per employee ($millions) | 4.2662% | 3,341 |
| Cash dividends to net income (ytd only)* | 50.6634% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 4,699 |
| Loan loss allowance to noncurrent loans | 1,788.8372% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 6,062 |
| Noncurrent loans to loans | 0.0639% | 5,835 |
| Net loans and leases to total assets | 68.4183% | 2,343 |
| Net loans and leases to deposits | 80.0385% | 2,511 |
| Net loans and leases to core deposits | 87.1752% | 2,399 |
| Total domestic deposits to total assets | 85.4817% | 3,292 |
| Equity capital to assets | 8.7727% | 5,543 |
| Core capital (leverage) ratio | 8.6335% | 5,489 |
| Tier 1 risk-based capital ratio | 12.2474% | 5,383 |
| Total risk-based capital ratio | 13.3809% | 5,385 |
| Memoranda: | ||
| Average total assets | $472,558,000 | 1,418 |
| Average earning assets | $442,458,330 | 1,393 |
| Average equity | $41,579,000 | 1,724 |
| Average total loans | $316,580,330 | 1,371 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 363 |
| Cost of funding earning assets | 0.3676% | 4,348 |
| Net interest margin | 5.0094% | 267 |
| Noninterest income to average assets | 0.3273% | 4,751 |
| Noninterest expense to average assets | 3.7650% | 1,036 |
| Loan and lease loss provision to assets | -0.6442% | 6,683 |
| Net operating income to assets | 1.8889% | 401 |
| Return on assets (ROA) | 1.8941% | 418 |
| Pretax return on assets | 1.8941% | 657 |
| Return on Equity (ROE) | 21.4936% | 224 |
| Retained earnings to average equity (ytd only) | 12.7207% | 525 |
| Net charge-offs to loans | -1.2761% | 6,643 |
| Credit loss provision to net charge-offs | 76.6871% | 1,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1543% | 2,937 |
| Assets per employee ($millions) | 4.4118% | 3,128 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 5,230 |
| Loan loss allowance to noncurrent loans | 395.0575% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 4,570 |
| Noncurrent loans to loans | 0.2719% | 5,290 |
| Net loans and leases to total assets | 66.4230% | 2,493 |
| Net loans and leases to deposits | 80.6358% | 2,210 |
| Net loans and leases to core deposits | 87.8209% | 2,113 |
| Total domestic deposits to total assets | 82.3741% | 4,825 |
| Equity capital to assets | 8.7797% | 5,363 |
| Core capital (leverage) ratio | 8.8244% | 5,237 |
| Tier 1 risk-based capital ratio | 12.6202% | 5,242 |
| Total risk-based capital ratio | 13.6831% | 5,289 |
| Memoranda: | ||
| Average total assets | $465,661,500 | 1,447 |
| Average earning assets | $435,262,000 | 1,421 |
| Average equity | $41,035,500 | 1,739 |
| Average total loans | $306,571,000 | 1,414 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 969 |
| Cost of funding earning assets | 0.3876% | 4,773 |
| Net interest margin | 4.5839% | 631 |
| Noninterest income to average assets | 0.3426% | 4,863 |
| Noninterest expense to average assets | 3.5963% | 1,457 |
| Loan and lease loss provision to assets | -0.0232% | 6,306 |
| Net operating income to assets | 0.7751% | 3,419 |
| Return on assets (ROA) | 0.7887% | 3,454 |
| Pretax return on assets | 1.0706% | 3,068 |
| Return on Equity (ROE) | 8.9671% | 2,542 |
| Retained earnings to average equity (ytd only) | -0.9419% | 6,050 |
| Net charge-offs to loans | 0.3446% | 1,957 |
| Credit loss provision to net charge-offs | -11.1583% | 5,690 |
| Earnings coverage of net charge-offs (x) | 4.9501% | 3,417 |
| Efficiency ratio | 77.7523% | 2,499 |
| Assets per employee ($millions) | 4.2910% | 3,288 |
| Cash dividends to net income (ytd only)* | 110.5042% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,180 |
| Loan loss allowance to noncurrent loans | 277.5952% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 4,303 |
| Noncurrent loans to loans | 0.3942% | 5,025 |
| Net loans and leases to total assets | 63.7591% | 3,078 |
| Net loans and leases to deposits | 74.6291% | 3,171 |
| Net loans and leases to core deposits | 81.5910% | 2,945 |
| Total domestic deposits to total assets | 85.4347% | 3,538 |
| Equity capital to assets | 8.8465% | 5,203 |
| Core capital (leverage) ratio | 8.5367% | 5,624 |
| Tier 1 risk-based capital ratio | 12.9543% | 5,005 |
| Total risk-based capital ratio | 14.0068% | 5,085 |
| Memoranda: | ||
| Average total assets | $452,655,000 | 1,469 |
| Average earning assets | $422,912,400 | 1,443 |
| Average equity | $39,812,000 | 1,752 |
| Average total loans | $273,037,800 | 1,544 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 1,154 |
| Cost of funding earning assets | 0.3855% | 4,945 |
| Net interest margin | 4.5006% | 741 |
| Noninterest income to average assets | 0.3533% | 4,873 |
| Noninterest expense to average assets | 3.5472% | 1,499 |
| Loan and lease loss provision to assets | 0.1725% | 2,107 |
| Net operating income to assets | 0.4698% | 4,933 |
| Return on assets (ROA) | 0.4854% | 5,020 |
| Pretax return on assets | 0.8617% | 4,042 |
| Return on Equity (ROE) | 5.5272% | 4,458 |
| Retained earnings to average equity (ytd only) | -6.5111% | 6,556 |
| Net charge-offs to loans | -0.2070% | 6,659 |
| Credit loss provision to net charge-offs | -140.6250% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8411% | 2,445 |
| Assets per employee ($millions) | 4.4605% | 2,940 |
| Cash dividends to net income (ytd only)* | 217.8009% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 2,538 |
| Loan loss allowance to noncurrent loans | 142.9426% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 4,057 |
| Noncurrent loans to loans | 1.2066% | 3,408 |
| Net loans and leases to total assets | 64.5572% | 2,909 |
| Net loans and leases to deposits | 74.9409% | 3,096 |
| Net loans and leases to core deposits | 82.9566% | 2,767 |
| Total domestic deposits to total assets | 86.1442% | 3,171 |
| Equity capital to assets | 8.3796% | 5,853 |
| Core capital (leverage) ratio | 8.1891% | 6,074 |
| Tier 1 risk-based capital ratio | 12.0028% | 5,775 |
| Total risk-based capital ratio | 13.2578% | 5,713 |
| Memoranda: | ||
| Average total assets | $452,106,750 | 1,476 |
| Average earning assets | $422,274,000 | 1,453 |
| Average equity | $39,705,500 | 1,770 |
| Average total loans | $267,993,250 | 1,567 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8443% | 1,229 |
| Cost of funding earning assets | 0.3804% | 5,134 |
| Net interest margin | 4.4639% | 759 |
| Noninterest income to average assets | 0.3731% | 4,727 |
| Noninterest expense to average assets | 3.5812% | 1,447 |
| Loan and lease loss provision to assets | 0.2008% | 1,885 |
| Net operating income to assets | 0.1254% | 6,073 |
| Return on assets (ROA) | 0.1254% | 6,175 |
| Pretax return on assets | 0.7542% | 4,493 |
| Return on Equity (ROE) | 1.4056% | 6,117 |
| Retained earnings to average equity (ytd only) | -14.5261% | 6,750 |
| Net charge-offs to loans | -0.0547% | 6,297 |
| Credit loss provision to net charge-offs | -642.8571% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9474% | 2,307 |
| Assets per employee ($millions) | 4.2986% | 3,176 |
| Cash dividends to net income (ytd only)* | 1,133.4520% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,417 |
| Loan loss allowance to noncurrent loans | 214.7998% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 4,995 |
| Noncurrent loans to loans | 0.8411% | 4,234 |
| Net loans and leases to total assets | 55.9006% | 4,311 |
| Net loans and leases to deposits | 65.2360% | 4,354 |
| Net loans and leases to core deposits | 71.8582% | 4,060 |
| Total domestic deposits to total assets | 85.6898% | 3,536 |
| Equity capital to assets | 8.2477% | 6,023 |
| Core capital (leverage) ratio | 8.2925% | 5,890 |
| Tier 1 risk-based capital ratio | 13.1555% | 5,029 |
| Total risk-based capital ratio | 14.4109% | 4,962 |
| Memoranda: | ||
| Average total assets | $448,178,670 | 1,482 |
| Average earning assets | $417,974,330 | 1,463 |
| Average equity | $39,983,330 | 1,759 |
| Average total loans | $255,747,330 | 1,626 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 1,234 |
| Cost of funding earning assets | 0.3822% | 5,262 |
| Net interest margin | 4.4452% | 741 |
| Noninterest income to average assets | 0.3644% | 4,750 |
| Noninterest expense to average assets | 3.6197% | 1,386 |
| Loan and lease loss provision to assets | 0.2045% | 1,815 |
| Net operating income to assets | 0.6725% | 3,832 |
| Return on assets (ROA) | 0.6725% | 3,989 |
| Pretax return on assets | 0.6725% | 4,696 |
| Return on Equity (ROE) | 7.2496% | 3,352 |
| Retained earnings to average equity (ytd only) | -17.3402% | 6,800 |
| Net charge-offs to loans | -0.0573% | 6,189 |
| Credit loss provision to net charge-offs | -625.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4972% | 2,252 |
| Assets per employee ($millions) | 4.1705% | 3,590 |
| Cash dividends to net income (ytd only)* | 339.1892% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,648 |
| Loan loss allowance to noncurrent loans | 196.7756% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 4,988 |
| Noncurrent loans to loans | 0.9097% | 4,319 |
| Net loans and leases to total assets | 57.1218% | 3,900 |
| Net loans and leases to deposits | 66.1869% | 4,027 |
| Net loans and leases to core deposits | 72.7744% | 3,729 |
| Total domestic deposits to total assets | 86.3038% | 3,356 |
| Equity capital to assets | 9.2545% | 5,189 |
| Core capital (leverage) ratio | 8.8145% | 5,162 |
| Tier 1 risk-based capital ratio | 13.6063% | 4,789 |
| Total risk-based capital ratio | 14.8605% | 4,752 |
| Memoranda: | ||
| Average total assets | $440,143,500 | 1,527 |
| Average earning assets | $409,157,500 | 1,502 |
| Average equity | $40,830,000 | 1,749 |
| Average total loans | $251,474,500 | 1,659 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 1,663 |
| Cost of funding earning assets | 0.5082% | 5,160 |
| Net interest margin | 4.4509% | 1,044 |
| Noninterest income to average assets | 0.3511% | 4,955 |
| Noninterest expense to average assets | 3.2997% | 2,334 |
| Loan and lease loss provision to assets | 0.0924% | 4,522 |
| Net operating income to assets | 0.8031% | 3,275 |
| Return on assets (ROA) | 1.1196% | 2,038 |
| Pretax return on assets | 1.5552% | 1,502 |
| Return on Equity (ROE) | 12.7403% | 1,301 |
| Retained earnings to average equity (ytd only) | 10.7876% | 464 |
| Net charge-offs to loans | 0.0105% | 5,784 |
| Credit loss provision to net charge-offs | 1,615.3846% | 146 |
| Earnings coverage of net charge-offs (x) | 211.1923% | 206 |
| Efficiency ratio | 73.2003% | 3,207 |
| Assets per employee ($millions) | 4.4213% | 3,106 |
| Cash dividends to net income (ytd only)* | 15.3272% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6974% | 2,941 |
| Loan loss allowance to noncurrent loans | 1,498.2394% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 6,358 |
| Noncurrent loans to loans | 0.1133% | 6,204 |
| Net loans and leases to total assets | 55.1830% | 4,424 |
| Net loans and leases to deposits | 64.2227% | 4,505 |
| Net loans and leases to core deposits | 68.7454% | 4,457 |
| Total domestic deposits to total assets | 85.9244% | 3,385 |
| Equity capital to assets | 9.2979% | 5,157 |
| Core capital (leverage) ratio | 8.9732% | 4,939 |
| Tier 1 risk-based capital ratio | 14.6204% | 3,950 |
| Total risk-based capital ratio | 15.8744% | 3,905 |
| Memoranda: | ||
| Average total assets | $454,530,000 | 1,445 |
| Average earning assets | $424,475,200 | 1,423 |
| Average equity | $39,944,000 | 1,743 |
| Average total loans | $246,974,000 | 1,671 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,879 |
| Cost of funding earning assets | 0.5243% | 5,280 |
| Net interest margin | 4.4109% | 1,183 |
| Noninterest income to average assets | 0.3534% | 4,991 |
| Noninterest expense to average assets | 3.2237% | 2,491 |
| Loan and lease loss provision to assets | 0.1840% | 3,287 |
| Net operating income to assets | 0.7858% | 3,524 |
| Return on assets (ROA) | 0.9562% | 2,939 |
| Pretax return on assets | 1.3072% | 2,576 |
| Return on Equity (ROE) | 11.0372% | 1,946 |
| Retained earnings to average equity (ytd only) | 9.0819% | 1,196 |
| Net charge-offs to loans | -0.2032% | 6,993 |
| Credit loss provision to net charge-offs | -168.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9322% | 3,342 |
| Assets per employee ($millions) | 4.7071% | 2,589 |
| Cash dividends to net income (ytd only)* | 17.7153% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 2,149 |
| Loan loss allowance to noncurrent loans | 186.6130% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 5,160 |
| Noncurrent loans to loans | 1.0760% | 4,290 |
| Net loans and leases to total assets | 52.5416% | 4,978 |
| Net loans and leases to deposits | 61.1650% | 5,064 |
| Net loans and leases to core deposits | 65.2124% | 5,034 |
| Total domestic deposits to total assets | 85.9014% | 3,307 |
| Equity capital to assets | 9.0634% | 5,758 |
| Core capital (leverage) ratio | 8.3090% | 5,996 |
| Tier 1 risk-based capital ratio | 14.6965% | 4,049 |
| Total risk-based capital ratio | 15.9542% | 4,009 |
| Memoranda: | ||
| Average total assets | $456,524,000 | 1,458 |
| Average earning assets | $427,260,250 | 1,427 |
| Average equity | $39,550,000 | 1,775 |
| Average total loans | $246,048,250 | 1,688 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 1,933 |
| Cost of funding earning assets | 0.5486% | 5,315 |
| Net interest margin | 4.3992% | 1,199 |
| Noninterest income to average assets | 0.3545% | 4,997 |
| Noninterest expense to average assets | 3.1689% | 2,698 |
| Loan and lease loss provision to assets | 0.1834% | 3,268 |
| Net operating income to assets | 0.8080% | 3,362 |
| Return on assets (ROA) | 1.0592% | 2,438 |
| Pretax return on assets | 1.4683% | 1,964 |
| Return on Equity (ROE) | 12.4151% | 1,528 |
| Retained earnings to average equity (ytd only) | 10.3425% | 883 |
| Net charge-offs to loans | -0.0914% | 6,840 |
| Credit loss provision to net charge-offs | -371.6814% | 6,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8651% | 3,623 |
| Assets per employee ($millions) | 4.8625% | 2,340 |
| Cash dividends to net income (ytd only)* | 16.6941% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 3,013 |
| Loan loss allowance to noncurrent loans | 77.7561% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 3,963 |
| Noncurrent loans to loans | 2.2542% | 2,669 |
| Net loans and leases to total assets | 52.2178% | 5,071 |
| Net loans and leases to deposits | 61.2573% | 5,094 |
| Net loans and leases to core deposits | 65.5616% | 5,048 |
| Total domestic deposits to total assets | 85.2434% | 3,744 |
| Equity capital to assets | 8.4879% | 6,218 |
| Core capital (leverage) ratio | 8.2310% | 6,013 |
| Tier 1 risk-based capital ratio | 14.0319% | 4,431 |
| Total risk-based capital ratio | 15.2866% | 4,387 |
| Memoranda: | ||
| Average total assets | $458,071,330 | 1,451 |
| Average earning assets | $428,711,000 | 1,428 |
| Average equity | $39,081,330 | 1,777 |
| Average total loans | $247,300,670 | 1,676 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 1,918 |
| Cost of funding earning assets | 0.6000% | 5,127 |
| Net interest margin | 4.3921% | 1,247 |
| Noninterest income to average assets | 0.3466% | 5,091 |
| Noninterest expense to average assets | 3.1546% | 2,746 |
| Loan and lease loss provision to assets | 0.1861% | 3,112 |
| Net operating income to assets | 0.7842% | 3,450 |
| Return on assets (ROA) | 1.2870% | 1,660 |
| Pretax return on assets | 1.8215% | 1,031 |
| Return on Equity (ROE) | 15.0447% | 963 |
| Retained earnings to average equity (ytd only) | 12.2989% | 779 |
| Net charge-offs to loans | -0.1124% | 6,832 |
| Credit loss provision to net charge-offs | -304.3478% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8259% | 3,654 |
| Assets per employee ($millions) | 5.0275% | 2,221 |
| Cash dividends to net income (ytd only)* | 18.2507% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 3,521 |
| Loan loss allowance to noncurrent loans | 109.6398% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 4,813 |
| Noncurrent loans to loans | 1.5093% | 3,857 |
| Net loans and leases to total assets | 53.7792% | 4,759 |
| Net loans and leases to deposits | 62.5878% | 4,828 |
| Net loans and leases to core deposits | 66.9116% | 4,812 |
| Total domestic deposits to total assets | 85.9260% | 3,573 |
| Equity capital to assets | 8.5352% | 6,054 |
| Core capital (leverage) ratio | 8.1976% | 6,026 |
| Tier 1 risk-based capital ratio | 13.4829% | 4,841 |
| Total risk-based capital ratio | 14.7364% | 4,831 |
| Memoranda: | ||
| Average total assets | $451,277,500 | 1,480 |
| Average earning assets | $422,031,500 | 1,450 |
| Average equity | $38,605,000 | 1,800 |
| Average total loans | $245,609,000 | 1,687 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 2,467 |
| Cost of funding earning assets | 0.7087% | 5,486 |
| Net interest margin | 4.3882% | 1,422 |
| Noninterest income to average assets | 0.3881% | 4,723 |
| Noninterest expense to average assets | 3.1739% | 2,950 |
| Loan and lease loss provision to assets | 0.1413% | 4,847 |
| Net operating income to assets | 0.8444% | 2,855 |
| Return on assets (ROA) | 0.9198% | 2,641 |
| Pretax return on assets | 1.2691% | 2,243 |
| Return on Equity (ROE) | 10.6201% | 1,832 |
| Retained earnings to average equity (ytd only) | 5.2774% | 2,469 |
| Net charge-offs to loans | -0.1148% | 7,149 |
| Credit loss provision to net charge-offs | -235.2941% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8548% | 3,805 |
| Assets per employee ($millions) | 4.9450% | 2,284 |
| Cash dividends to net income (ytd only)* | 50.3072% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 3,577 |
| Loan loss allowance to noncurrent loans | 120.7695% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 5,144 |
| Noncurrent loans to loans | 1.3264% | 4,161 |
| Net loans and leases to total assets | 53.2916% | 5,130 |
| Net loans and leases to deposits | 61.5486% | 5,303 |
| Net loans and leases to core deposits | 66.0401% | 5,247 |
| Total domestic deposits to total assets | 86.5847% | 2,987 |
| Equity capital to assets | 8.5745% | 6,050 |
| Core capital (leverage) ratio | 8.1862% | 6,025 |
| Tier 1 risk-based capital ratio | 12.9502% | 5,105 |
| Total risk-based capital ratio | 14.2023% | 5,090 |
| Memoranda: | ||
| Average total assets | $424,647,600 | 1,535 |
| Average earning assets | $395,923,200 | 1,504 |
| Average equity | $36,779,200 | 1,833 |
| Average total loans | $222,177,400 | 1,859 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 2,610 |
| Cost of funding earning assets | 0.7299% | 5,595 |
| Net interest margin | 4.3691% | 1,498 |
| Noninterest income to average assets | 0.4147% | 4,546 |
| Noninterest expense to average assets | 3.1633% | 2,948 |
| Loan and lease loss provision to assets | 0.1430% | 4,650 |
| Net operating income to assets | 0.8537% | 2,923 |
| Return on assets (ROA) | 0.9521% | 2,689 |
| Pretax return on assets | 1.3160% | 2,240 |
| Return on Equity (ROE) | 10.9639% | 1,875 |
| Retained earnings to average equity (ytd only) | 4.3219% | 3,653 |
| Net charge-offs to loans | -0.1318% | 7,207 |
| Credit loss provision to net charge-offs | -209.3023% | 6,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5207% | 3,853 |
| Assets per employee ($millions) | 4.8418% | 2,405 |
| Cash dividends to net income (ytd only)* | 60.5807% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 3,306 |
| Loan loss allowance to noncurrent loans | 65.3087% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 4,161 |
| Noncurrent loans to loans | 2.5900% | 2,674 |
| Net loans and leases to total assets | 48.9602% | 5,840 |
| Net loans and leases to deposits | 57.0428% | 5,930 |
| Net loans and leases to core deposits | 60.7588% | 5,927 |
| Total domestic deposits to total assets | 85.8307% | 3,313 |
| Equity capital to assets | 8.6615% | 6,127 |
| Core capital (leverage) ratio | 8.0577% | 6,335 |
| Tier 1 risk-based capital ratio | 13.4901% | 4,741 |
| Total risk-based capital ratio | 14.7423% | 4,711 |
| Memoranda: | ||
| Average total assets | $419,546,750 | 1,560 |
| Average earning assets | $390,917,750 | 1,529 |
| Average equity | $36,433,750 | 1,848 |
| Average total loans | $217,462,750 | 1,900 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 2,720 |
| Cost of funding earning assets | 0.7506% | 5,664 |
| Net interest margin | 4.3415% | 1,533 |
| Noninterest income to average assets | 0.4390% | 4,353 |
| Noninterest expense to average assets | 3.1656% | 3,026 |
| Loan and lease loss provision to assets | 0.1449% | 4,496 |
| Net operating income to assets | 0.8463% | 2,877 |
| Return on assets (ROA) | 0.9958% | 2,352 |
| Pretax return on assets | 1.3778% | 1,866 |
| Return on Equity (ROE) | 11.4565% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.4842% | 746 |
| Net charge-offs to loans | -0.1379% | 7,235 |
| Credit loss provision to net charge-offs | -200.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6510% | 3,999 |
| Assets per employee ($millions) | 4.8945% | 2,267 |
| Cash dividends to net income (ytd only)* | 8.4869% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 3,633 |
| Loan loss allowance to noncurrent loans | 98.2935% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8402% | 5,196 |
| Noncurrent loans to loans | 1.6445% | 3,943 |
| Net loans and leases to total assets | 48.2877% | 6,025 |
| Net loans and leases to deposits | 56.8676% | 6,060 |
| Net loans and leases to core deposits | 61.4586% | 5,948 |
| Total domestic deposits to total assets | 84.9125% | 3,918 |
| Equity capital to assets | 8.5953% | 6,063 |
| Core capital (leverage) ratio | 8.4454% | 5,638 |
| Tier 1 risk-based capital ratio | 14.0903% | 4,103 |
| Total risk-based capital ratio | 15.3418% | 4,074 |
| Memoranda: | ||
| Average total assets | $414,140,330 | 1,593 |
| Average earning assets | $385,537,330 | 1,560 |
| Average equity | $35,997,000 | 1,860 |
| Average total loans | $217,609,330 | 1,922 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1543% | 2,415 |
| Cost of funding earning assets | 0.7769% | 5,697 |
| Net interest margin | 4.3774% | 1,347 |
| Noninterest income to average assets | 0.5126% | 3,783 |
| Noninterest expense to average assets | 3.2404% | 2,737 |
| Loan and lease loss provision to assets | 0.1487% | 4,157 |
| Net operating income to assets | 0.8755% | 2,681 |
| Return on assets (ROA) | 0.8755% | 2,736 |
| Pretax return on assets | 1.1909% | 2,412 |
| Return on Equity (ROE) | 10.0129% | 2,089 |
| Retained earnings to average equity (ytd only) | 8.0285% | 1,720 |
| Net charge-offs to loans | -0.0838% | 7,038 |
| Credit loss provision to net charge-offs | -326.0870% | 5,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7512% | 4,109 |
| Assets per employee ($millions) | 4.7837% | 2,451 |
| Cash dividends to net income (ytd only)* | 19.8188% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 4,452 |
| Loan loss allowance to noncurrent loans | 147.2184% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 5,324 |
| Noncurrent loans to loans | 0.9829% | 5,076 |
| Net loans and leases to total assets | 53.0108% | 5,449 |
| Net loans and leases to deposits | 61.8217% | 5,520 |
| Net loans and leases to core deposits | 66.6497% | 5,448 |
| Total domestic deposits to total assets | 85.7480% | 3,669 |
| Equity capital to assets | 8.6565% | 5,706 |
| Core capital (leverage) ratio | 8.5988% | 5,266 |
| Tier 1 risk-based capital ratio | 13.3896% | 4,511 |
| Total risk-based capital ratio | 14.6347% | 4,496 |
| Memoranda: | ||
| Average total assets | $403,404,500 | 1,637 |
| Average earning assets | $374,835,500 | 1,616 |
| Average equity | $35,274,500 | 1,883 |
| Average total loans | $219,512,500 | 1,932 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 2,667 |
| Cost of funding earning assets | 1.0751% | 5,284 |
| Net interest margin | 4.3258% | 1,728 |
| Noninterest income to average assets | 0.6313% | 3,275 |
| Noninterest expense to average assets | 3.3601% | 2,556 |
| Loan and lease loss provision to assets | 0.1623% | 5,590 |
| Net operating income to assets | 0.8412% | 2,629 |
| Return on assets (ROA) | 1.0193% | 2,083 |
| Pretax return on assets | 1.2462% | 2,085 |
| Return on Equity (ROE) | 11.8028% | 1,364 |
| Retained earnings to average equity (ytd only) | 9.8632% | 550 |
| Net charge-offs to loans | 0.2632% | 4,720 |
| Credit loss provision to net charge-offs | 109.4571% | 4,028 |
| Earnings coverage of net charge-offs (x) | 8.0350% | 2,024 |
| Efficiency ratio | 73.8232% | 3,436 |
| Assets per employee ($millions) | 4.5449% | 2,787 |
| Cash dividends to net income (ytd only)* | 16.4331% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 4,611 |
| Loan loss allowance to noncurrent loans | 157.7125% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 5,450 |
| Noncurrent loans to loans | 0.8754% | 5,316 |
| Net loans and leases to total assets | 54.3059% | 5,598 |
| Net loans and leases to deposits | 63.8240% | 5,649 |
| Net loans and leases to core deposits | 69.0255% | 5,550 |
| Total domestic deposits to total assets | 85.0870% | 3,808 |
| Equity capital to assets | 8.8354% | 5,383 |
| Core capital (leverage) ratio | 8.6257% | 5,149 |
| Tier 1 risk-based capital ratio | 13.4296% | 4,270 |
| Total risk-based capital ratio | 14.6289% | 4,265 |
| Memoranda: | ||
| Average total assets | $385,082,400 | 1,705 |
| Average earning assets | $348,977,400 | 1,714 |
| Average equity | $33,254,800 | 1,987 |
| Average total loans | $216,908,800 | 1,993 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4800% | 2,522 |
| Cost of funding earning assets | 1.1382% | 5,207 |
| Net interest margin | 4.3418% | 1,707 |
| Noninterest income to average assets | 0.3535% | 5,336 |
| Noninterest expense to average assets | 3.3603% | 2,403 |
| Loan and lease loss provision to assets | 0.1708% | 5,333 |
| Net operating income to assets | 0.5662% | 4,024 |
| Return on assets (ROA) | 0.7100% | 3,521 |
| Pretax return on assets | 0.9161% | 3,505 |
| Return on Equity (ROE) | 8.2716% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.3834% | 2,148 |
| Net charge-offs to loans | 0.1907% | 4,808 |
| Credit loss provision to net charge-offs | 158.0645% | 2,418 |
| Earnings coverage of net charge-offs (x) | 8.3517% | 2,178 |
| Efficiency ratio | 78.8290% | 2,512 |
| Assets per employee ($millions) | 4.4155% | 3,051 |
| Cash dividends to net income (ytd only)* | 22.8275% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 4,050 |
| Loan loss allowance to noncurrent loans | 138.5228% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 5,420 |
| Noncurrent loans to loans | 1.0692% | 5,100 |
| Net loans and leases to total assets | 54.2350% | 5,815 |
| Net loans and leases to deposits | 63.3293% | 5,988 |
| Net loans and leases to core deposits | 69.0636% | 5,839 |
| Total domestic deposits to total assets | 85.6396% | 3,274 |
| Equity capital to assets | 8.8607% | 5,758 |
| Core capital (leverage) ratio | 8.2137% | 6,015 |
| Tier 1 risk-based capital ratio | 12.6455% | 4,857 |
| Total risk-based capital ratio | 13.8850% | 4,849 |
| Memoranda: | ||
| Average total assets | $382,501,000 | 1,742 |
| Average earning assets | $344,396,000 | 1,761 |
| Average equity | $32,834,500 | 2,026 |
| Average total loans | $216,702,000 | 2,025 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5893% | 2,176 |
| Cost of funding earning assets | 1.2011% | 5,128 |
| Net interest margin | 4.3882% | 1,481 |
| Noninterest income to average assets | 0.3362% | 5,463 |
| Noninterest expense to average assets | 3.3533% | 2,398 |
| Loan and lease loss provision to assets | 0.1859% | 5,012 |
| Net operating income to assets | 0.5474% | 4,107 |
| Return on assets (ROA) | 0.6608% | 3,731 |
| Pretax return on assets | 0.8697% | 3,624 |
| Return on Equity (ROE) | 7.7821% | 2,975 |
| Retained earnings to average equity (ytd only) | 5.9322% | 2,371 |
| Net charge-offs to loans | 0.0357% | 5,853 |
| Credit loss provision to net charge-offs | 910.2564% | 409 |
| Earnings coverage of net charge-offs (x) | 44.3846% | 665 |
| Efficiency ratio | 78.7216% | 2,622 |
| Assets per employee ($millions) | 4.4994% | 2,876 |
| Cash dividends to net income (ytd only)* | 23.7718% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 4,018 |
| Loan loss allowance to noncurrent loans | 91.0281% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 4,839 |
| Noncurrent loans to loans | 1.6255% | 4,272 |
| Net loans and leases to total assets | 54.9375% | 5,852 |
| Net loans and leases to deposits | 64.5073% | 5,977 |
| Net loans and leases to core deposits | 71.6011% | 5,715 |
| Total domestic deposits to total assets | 85.1648% | 3,538 |
| Equity capital to assets | 8.4195% | 6,270 |
| Core capital (leverage) ratio | 8.1134% | 6,098 |
| Tier 1 risk-based capital ratio | 12.1573% | 5,167 |
| Total risk-based capital ratio | 13.4075% | 5,146 |
| Memoranda: | ||
| Average total assets | $381,952,330 | 1,762 |
| Average earning assets | $341,507,000 | 1,792 |
| Average equity | $32,433,330 | 2,036 |
| Average total loans | $218,444,670 | 2,041 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7374% | 1,648 |
| Cost of funding earning assets | 1.2937% | 4,852 |
| Net interest margin | 4.4437% | 1,265 |
| Noninterest income to average assets | 0.3467% | 5,364 |
| Noninterest expense to average assets | 3.3818% | 2,289 |
| Loan and lease loss provision to assets | 0.2347% | 4,163 |
| Net operating income to assets | 0.5718% | 4,024 |
| Return on assets (ROA) | 0.5718% | 4,168 |
| Pretax return on assets | 0.6988% | 4,238 |
| Return on Equity (ROE) | 6.7039% | 3,511 |
| Retained earnings to average equity (ytd only) | 4.5151% | 3,448 |
| Net charge-offs to loans | -0.0295% | 7,188 |
| Credit loss provision to net charge-offs | -1,375.0000% | 6,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3684% | 2,838 |
| Assets per employee ($millions) | 4.2865% | 3,309 |
| Cash dividends to net income (ytd only)* | 32.6493% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 4,155 |
| Loan loss allowance to noncurrent loans | 140.9372% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 5,495 |
| Noncurrent loans to loans | 1.0323% | 5,270 |
| Net loans and leases to total assets | 55.9721% | 5,748 |
| Net loans and leases to deposits | 66.1251% | 5,807 |
| Net loans and leases to core deposits | 73.5062% | 5,549 |
| Total domestic deposits to total assets | 84.6458% | 3,831 |
| Equity capital to assets | 8.3840% | 6,178 |
| Core capital (leverage) ratio | 8.2629% | 5,814 |
| Tier 1 risk-based capital ratio | 12.0139% | 5,182 |
| Total risk-based capital ratio | 13.2598% | 5,149 |
| Memoranda: | ||
| Average total assets | $374,953,500 | 1,830 |
| Average earning assets | $334,857,000 | 1,870 |
| Average equity | $31,981,500 | 2,090 |
| Average total loans | $217,271,000 | 2,100 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 2,996 |
| Cost of funding earning assets | 1.9946% | 2,986 |
| Net interest margin | 3.7284% | 4,008 |
| Noninterest income to average assets | 0.4105% | 5,117 |
| Noninterest expense to average assets | 3.7789% | 1,738 |
| Loan and lease loss provision to assets | 0.1574% | 6,100 |
| Net operating income to assets | -0.2065% | 5,846 |
| Return on assets (ROA) | 0.2913% | 4,656 |
| Pretax return on assets | 0.2855% | 4,803 |
| Return on Equity (ROE) | 3.0860% | 4,464 |
| Retained earnings to average equity (ytd only) | 1.5332% | 4,000 |
| Net charge-offs to loans | -0.0075% | 7,734 |
| Credit loss provision to net charge-offs | -3,642.8571% | 7,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4751% | 1,031 |
| Assets per employee ($millions) | 4.0014% | 3,814 |
| Cash dividends to net income (ytd only)* | 50.3178% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,383 |
| Loan loss allowance to noncurrent loans | 76.2397% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 4,966 |
| Noncurrent loans to loans | 1.7974% | 3,938 |
| Net loans and leases to total assets | 58.3513% | 5,600 |
| Net loans and leases to deposits | 69.3769% | 5,683 |
| Net loans and leases to core deposits | 100.5642% | 3,942 |
| Total domestic deposits to total assets | 84.1076% | 3,979 |
| Equity capital to assets | 8.6836% | 5,614 |
| Core capital (leverage) ratio | 8.5505% | 5,196 |
| Tier 1 risk-based capital ratio | 12.2381% | 4,734 |
| Total risk-based capital ratio | 13.4273% | 4,754 |
| Memoranda: | ||
| Average total assets | $324,034,200 | 2,092 |
| Average earning assets | $287,975,800 | 2,136 |
| Average equity | $30,589,800 | 2,189 |
| Average total loans | $186,646,800 | 2,442 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8169% | 2,815 |
| Cost of funding earning assets | 2.1081% | 2,855 |
| Net interest margin | 3.7089% | 4,029 |
| Noninterest income to average assets | 0.4204% | 5,130 |
| Noninterest expense to average assets | 3.8312% | 1,537 |
| Loan and lease loss provision to assets | 0.0531% | 6,847 |
| Net operating income to assets | -0.1923% | 6,048 |
| Return on assets (ROA) | 0.3134% | 4,850 |
| Pretax return on assets | 0.3138% | 5,022 |
| Return on Equity (ROE) | 3.2440% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.7055% | 4,358 |
| Net charge-offs to loans | -0.0097% | 7,681 |
| Credit loss provision to net charge-offs | -961.5385% | 7,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7603% | 927 |
| Assets per employee ($millions) | 3.8081% | 4,175 |
| Cash dividends to net income (ytd only)* | 47.4258% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 4,581 |
| Loan loss allowance to noncurrent loans | 85.2492% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 5,370 |
| Noncurrent loans to loans | 1.5107% | 4,391 |
| Net loans and leases to total assets | 56.1407% | 6,126 |
| Net loans and leases to deposits | 67.6421% | 6,160 |
| Net loans and leases to core deposits | 103.6739% | 3,977 |
| Total domestic deposits to total assets | 82.9967% | 4,222 |
| Equity capital to assets | 9.1276% | 5,292 |
| Core capital (leverage) ratio | 9.0739% | 4,535 |
| Tier 1 risk-based capital ratio | 12.9281% | 4,246 |
| Total risk-based capital ratio | 14.0230% | 4,281 |
| Memoranda: | ||
| Average total assets | $314,011,750 | 2,152 |
| Average earning assets | $277,024,000 | 2,217 |
| Average equity | $30,332,500 | 2,231 |
| Average total loans | $179,452,750 | 2,550 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8553% | 2,779 |
| Cost of funding earning assets | 2.2043% | 2,771 |
| Net interest margin | 3.6510% | 4,160 |
| Noninterest income to average assets | 0.4392% | 4,937 |
| Noninterest expense to average assets | 3.9695% | 1,369 |
| Loan and lease loss provision to assets | 0.0166% | 7,062 |
| Net operating income to assets | -0.3125% | 6,335 |
| Return on assets (ROA) | 0.4061% | 4,598 |
| Pretax return on assets | 0.4445% | 4,816 |
| Return on Equity (ROE) | 4.1163% | 4,448 |
| Retained earnings to average equity (ytd only) | 2.7733% | 3,785 |
| Net charge-offs to loans | -0.0752% | 7,906 |
| Credit loss provision to net charge-offs | -38.4615% | 6,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0247% | 875 |
| Assets per employee ($millions) | 3.3873% | 5,097 |
| Cash dividends to net income (ytd only)* | 32.6264% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 3,448 |
| Loan loss allowance to noncurrent loans | 91.1296% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 5,215 |
| Noncurrent loans to loans | 1.5943% | 4,106 |
| Net loans and leases to total assets | 54.7841% | 6,359 |
| Net loans and leases to deposits | 65.8847% | 6,405 |
| Net loans and leases to core deposits | 98.5915% | 4,639 |
| Total domestic deposits to total assets | 83.1514% | 4,170 |
| Equity capital to assets | 10.0421% | 3,881 |
| Core capital (leverage) ratio | 9.9706% | 3,325 |
| Tier 1 risk-based capital ratio | 14.1169% | 3,447 |
| Total risk-based capital ratio | 15.2887% | 3,439 |
| Memoranda: | ||
| Average total assets | $301,901,330 | 2,245 |
| Average earning assets | $264,749,670 | 2,309 |
| Average equity | $29,784,000 | 2,279 |
| Average total loans | $172,853,330 | 2,656 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0297% | 2,237 |
| Cost of funding earning assets | 2.2606% | 2,883 |
| Net interest margin | 3.7691% | 3,590 |
| Noninterest income to average assets | 0.4403% | 4,869 |
| Noninterest expense to average assets | 3.9483% | 1,247 |
| Loan and lease loss provision to assets | 0.0337% | 6,518 |
| Net operating income to assets | -0.2116% | 6,574 |
| Return on assets (ROA) | 0.8161% | 3,215 |
| Pretax return on assets | 1.0329% | 3,237 |
| Return on Equity (ROE) | 8.3503% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.3503% | 1,681 |
| Net charge-offs to loans | -0.9869% | 8,158 |
| Credit loss provision to net charge-offs | -5.8685% | 6,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3089% | 920 |
| Assets per employee ($millions) | 3.3408% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 2,414 |
| Loan loss allowance to noncurrent loans | 69.7432% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3729% | 3,901 |
| Noncurrent loans to loans | 2.3326% | 2,821 |
| Net loans and leases to total assets | 57.9024% | 5,956 |
| Net loans and leases to deposits | 70.6536% | 5,915 |
| Net loans and leases to core deposits | 105.4936% | 3,972 |
| Total domestic deposits to total assets | 81.9525% | 4,569 |
| Equity capital to assets | 10.6782% | 3,309 |
| Core capital (leverage) ratio | 10.6465% | 2,792 |
| Tier 1 risk-based capital ratio | 14.3379% | 3,406 |
| Total risk-based capital ratio | 15.5891% | 3,325 |
| Memoranda: | ||
| Average total assets | $297,037,500 | 2,292 |
| Average earning assets | $257,989,500 | 2,385 |
| Average equity | $29,029,000 | 2,344 |
| Average total loans | $172,660,000 | 2,678 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8206% | 1,611 |
| Cost of funding earning assets | 2.8652% | 2,414 |
| Net interest margin | 3.9554% | 3,335 |
| Noninterest income to average assets | 0.4891% | 4,699 |
| Noninterest expense to average assets | 3.9596% | 1,473 |
| Loan and lease loss provision to assets | 0.9087% | 1,641 |
| Net operating income to assets | -0.4855% | 6,914 |
| Return on assets (ROA) | -0.4487% | 6,754 |
| Pretax return on assets | -0.8096% | 6,886 |
| Return on Equity (ROE) | -4.5756% | 6,817 |
| Retained earnings to average equity (ytd only) | -4.5756% | 6,430 |
| Net charge-offs to loans | 1.5173% | 763 |
| Credit loss provision to net charge-offs | 109.0827% | 4,935 |
| Earnings coverage of net charge-offs (x) | 0.0500% | 6,220 |
| Efficiency ratio | 98.9600% | 1,021 |
| Assets per employee ($millions) | 3.2967% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 2,962 |
| Loan loss allowance to noncurrent loans | 99.4267% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 4,768 |
| Noncurrent loans to loans | 1.4506% | 3,627 |
| Net loans and leases to total assets | 56.5491% | 6,374 |
| Net loans and leases to deposits | 76.9765% | 5,476 |
| Net loans and leases to core deposits | 110.3288% | 3,745 |
| Total domestic deposits to total assets | 73.4628% | 6,745 |
| Equity capital to assets | 8.8451% | 5,576 |
| Core capital (leverage) ratio | 8.8678% | 4,942 |
| Tier 1 risk-based capital ratio | 11.1469% | 5,602 |
| Total risk-based capital ratio | 12.2694% | 5,611 |
| Memoranda: | ||
| Average total assets | $264,342,600 | 2,421 |
| Average earning assets | $234,714,600 | 2,508 |
| Average equity | $25,920,000 | 2,566 |
| Average total loans | $145,122,800 | 3,008 |