| 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 | 5.0629% | 1,946 |
| Cost of funding earning assets | 2.2286% | 608 |
| Net interest margin | 2.8343% | 3,598 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.0203% | 3,579 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0399% | 2,095 |
| Return on assets (ROA) | 0.9739% | 2,284 |
| Pretax return on assets | 1.0223% | 2,607 |
| Return on Equity (ROE) | 9.4800% | 2,640 |
| Retained earnings to average equity (ytd only) | 7.4288% | 1,743 |
| Net charge-offs to loans | 0.3513% | 307 |
| Credit loss provision to net charge-offs | -22.3529% | 4,437 |
| Earnings coverage of net charge-offs (x) | 4.3134% | 2,597 |
| Efficiency ratio | 62.1845% | 2,812 |
| Assets per employee ($millions) | 7.5646% | 1,687 |
| Cash dividends to net income (ytd only)* | 21.6076% | 2,883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1886% | 2,367 |
| Loan loss allowance to noncurrent loans | 1,444.4685% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,157 |
| Noncurrent loans to loans | 0.0823% | 3,137 |
| Net loans and leases to total assets | 74.6700% | 1,276 |
| Net loans and leases to deposits | 89.6998% | 1,298 |
| Net loans and leases to core deposits | 106.7137% | 1,080 |
| Total domestic deposits to total assets | 83.2500% | 2,826 |
| Equity capital to assets | 10.6248% | 1,662 |
| Core capital (leverage) ratio | 11.8695% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $712,811,800 | 1,288 |
| Average earning assets | $660,948,200 | 1,294 |
| Average equity | $73,255,000 | 1,205 |
| Average total loans | $532,347,400 | 1,175 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9866% | 1,854 |
| Cost of funding earning assets | 2.1223% | 569 |
| Net interest margin | 2.8643% | 3,609 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.0779% | 3,400 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.9258% | 2,597 |
| Return on assets (ROA) | 0.9314% | 2,564 |
| Pretax return on assets | 0.9773% | 2,917 |
| Return on Equity (ROE) | 9.1400% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.3551% | 2,515 |
| Net charge-offs to loans | 0.1337% | 604 |
| Credit loss provision to net charge-offs | 145.1613% | 1,346 |
| Earnings coverage of net charge-offs (x) | 11.2011% | 2,103 |
| Efficiency ratio | 63.0616% | 2,608 |
| Assets per employee ($millions) | 6.9186% | 2,020 |
| Cash dividends to net income (ytd only)* | 30.4507% | 2,062 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6952% | 707 |
| Loan loss allowance to noncurrent loans | 137.1510% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 572 |
| Noncurrent loans to loans | 1.2360% | 628 |
| Net loans and leases to total assets | 74.7400% | 1,266 |
| Net loans and leases to deposits | 88.0510% | 1,382 |
| Net loans and leases to core deposits | 106.0338% | 1,013 |
| Total domestic deposits to total assets | 84.8900% | 2,534 |
| Equity capital to assets | 9.7456% | 1,964 |
| Core capital (leverage) ratio | 11.5588% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $705,165,000 | 1,297 |
| Average earning assets | $654,248,250 | 1,297 |
| Average equity | $71,877,500 | 1,220 |
| Average total loans | $525,372,750 | 1,183 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8530% | 1,879 |
| Cost of funding earning assets | 1.9446% | 561 |
| Net interest margin | 2.9084% | 3,632 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.0869% | 3,385 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.8895% | 2,796 |
| Return on assets (ROA) | 0.8966% | 2,753 |
| Pretax return on assets | 0.9438% | 3,062 |
| Return on Equity (ROE) | 8.6700% | 3,070 |
| Retained earnings to average equity (ytd only) | 4.5400% | 3,072 |
| Net charge-offs to loans | 0.0396% | 1,124 |
| Credit loss provision to net charge-offs | 713.5922% | 513 |
| Earnings coverage of net charge-offs (x) | 39.0777% | 1,413 |
| Efficiency ratio | 62.4989% | 2,645 |
| Assets per employee ($millions) | 7.2518% | 1,747 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8067% | 601 |
| Loan loss allowance to noncurrent loans | 898.5929% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,508 |
| Noncurrent loans to loans | 0.2011% | 2,463 |
| Net loans and leases to total assets | 72.5200% | 1,463 |
| Net loans and leases to deposits | 87.0793% | 1,421 |
| Net loans and leases to core deposits | 101.6538% | 1,152 |
| Total domestic deposits to total assets | 83.2800% | 2,986 |
| Equity capital to assets | 10.1743% | 1,762 |
| Core capital (leverage) ratio | 11.4715% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $702,681,333 | 1,294 |
| Average earning assets | $652,788,333 | 1,293 |
| Average equity | $72,687,000 | 1,204 |
| Average total loans | $519,893,333 | 1,175 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7420% | 1,754 |
| Cost of funding earning assets | 1.7197% | 549 |
| Net interest margin | 3.0223% | 3,546 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.1322% | 3,296 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.8981% | 2,865 |
| Return on assets (ROA) | 0.9052% | 2,797 |
| Pretax return on assets | 0.9519% | 3,118 |
| Return on Equity (ROE) | 8.6800% | 3,138 |
| Retained earnings to average equity (ytd only) | 0.4027% | 3,959 |
| Net charge-offs to loans | -0.0466% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.9707% | 2,465 |
| Assets per employee ($millions) | 7.0884% | 1,912 |
| Cash dividends to net income (ytd only)* | 95.3592% | 479 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7794% | 684 |
| Loan loss allowance to noncurrent loans | 6,431.9444% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,602 |
| Noncurrent loans to loans | 0.0277% | 3,569 |
| Net loans and leases to total assets | 72.8500% | 1,335 |
| Net loans and leases to deposits | 87.7022% | 1,230 |
| Net loans and leases to core deposits | 102.1990% | 994 |
| Total domestic deposits to total assets | 83.0700% | 3,281 |
| Equity capital to assets | 10.4650% | 1,577 |
| Core capital (leverage) ratio | 11.3854% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $695,059,500 | 1,320 |
| Average earning assets | $644,541,500 | 1,321 |
| Average equity | $72,508,500 | 1,216 |
| Average total loans | $514,743,500 | 1,201 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0070% | 1,701 |
| Cost of funding earning assets | 0.5816% | 977 |
| Net interest margin | 3.4254% | 2,166 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.1116% | 3,257 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3511% | 1,278 |
| Return on assets (ROA) | 1.3489% | 1,240 |
| Pretax return on assets | 1.4366% | 1,673 |
| Return on Equity (ROE) | 11.8000% | 2,218 |
| Retained earnings to average equity (ytd only) | 11.7999% | 711 |
| Net charge-offs to loans | 0.0249% | 1,560 |
| Credit loss provision to net charge-offs | 456.8966% | 719 |
| Earnings coverage of net charge-offs (x) | 85.0776% | 1,058 |
| Efficiency ratio | 56.3375% | 3,550 |
| Assets per employee ($millions) | 6.9528% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7578% | 716 |
| Loan loss allowance to noncurrent loans | 3,363.5338% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,418 |
| Noncurrent loans to loans | 0.0523% | 3,382 |
| Net loans and leases to total assets | 72.6500% | 1,350 |
| Net loans and leases to deposits | 84.2217% | 1,450 |
| Net loans and leases to core deposits | 94.0901% | 1,293 |
| Total domestic deposits to total assets | 86.2600% | 2,654 |
| Equity capital to assets | 10.3925% | 1,506 |
| Core capital (leverage) ratio | 11.6383% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $649,042,200 | 1,379 |
| Average earning assets | $606,207,600 | 1,374 |
| Average equity | $74,195,800 | 1,197 |
| Average total loans | $465,069,800 | 1,237 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8043% | 1,749 |
| Cost of funding earning assets | 0.3724% | 1,503 |
| Net interest margin | 3.4320% | 1,860 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.0468% | 3,362 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5173% | 817 |
| Return on assets (ROA) | 1.5133% | 803 |
| Pretax return on assets | 1.6007% | 1,119 |
| Return on Equity (ROE) | 12.9100% | 1,726 |
| Retained earnings to average equity (ytd only) | 12.9114% | 625 |
| Net charge-offs to loans | 0.0449% | 1,041 |
| Credit loss provision to net charge-offs | 98.0392% | 1,345 |
| Earnings coverage of net charge-offs (x) | 51.2745% | 1,271 |
| Efficiency ratio | 55.5751% | 3,669 |
| Assets per employee ($millions) | 6.5724% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7546% | 795 |
| Loan loss allowance to noncurrent loans | 2,787.5817% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 2,641 |
| Noncurrent loans to loans | 0.0629% | 3,429 |
| Net loans and leases to total assets | 72.6700% | 1,215 |
| Net loans and leases to deposits | 83.9734% | 1,301 |
| Net loans and leases to core deposits | 89.5343% | 1,327 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 10.2394% | 1,499 |
| Core capital (leverage) ratio | 11.5585% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $639,290,250 | 1,405 |
| Average earning assets | $598,319,750 | 1,396 |
| Average equity | $74,929,500 | 1,203 |
| Average total loans | $454,367,750 | 1,254 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5903% | 1,875 |
| Cost of funding earning assets | 0.2622% | 2,118 |
| Net interest margin | 3.3282% | 1,827 |
| Noninterest income to average assets | 0.4488% | 2,460 |
| Noninterest expense to average assets | 2.0009% | 3,428 |
| Loan and lease loss provision to assets | 0.0474% | 1,717 |
| Net operating income to assets | 1.4543% | 786 |
| Return on assets (ROA) | 1.4483% | 781 |
| Pretax return on assets | 1.5133% | 1,137 |
| Return on Equity (ROE) | 11.8389% | 1,709 |
| Retained earnings to average equity (ytd only) | 11.8389% | 632 |
| Net charge-offs to loans | 0.0415% | 973 |
| Credit loss provision to net charge-offs | 163.0435% | 1,060 |
| Earnings coverage of net charge-offs (x) | 53.9348% | 1,128 |
| Efficiency ratio | 56.0807% | 3,762 |
| Assets per employee ($millions) | 6.7199% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8157% | 793 |
| Loan loss allowance to noncurrent loans | 2,932.0819% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 2,764 |
| Noncurrent loans to loans | 0.0619% | 3,492 |
| Net loans and leases to total assets | 70.5429% | 1,249 |
| Net loans and leases to deposits | 79.6371% | 1,411 |
| Net loans and leases to core deposits | 86.0366% | 1,336 |
| Total domestic deposits to total assets | 88.5804% | 2,339 |
| Equity capital to assets | 10.7988% | 1,311 |
| Core capital (leverage) ratio | 11.2509% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $633,308,000 | 1,425 |
| Average earning assets | $593,542,000 | 1,423 |
| Average equity | $77,473,667 | 1,202 |
| Average total loans | $443,776,333 | 1,274 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3162% | 2,334 |
| Cost of funding earning assets | 0.2105% | 2,660 |
| Net interest margin | 3.1057% | 2,159 |
| Noninterest income to average assets | 0.4479% | 2,404 |
| Noninterest expense to average assets | 2.0365% | 3,336 |
| Loan and lease loss provision to assets | 0.0967% | 856 |
| Net operating income to assets | 1.1895% | 1,272 |
| Return on assets (ROA) | 1.1851% | 1,283 |
| Pretax return on assets | 1.2386% | 1,683 |
| Return on Equity (ROE) | 9.1206% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.1206% | 1,239 |
| Net charge-offs to loans | -0.1911% | 4,590 |
| Credit loss provision to net charge-offs | -73.1707% | 2,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3169% | 3,452 |
| Assets per employee ($millions) | 7.4008% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9965% | 620 |
| Loan loss allowance to noncurrent loans | 2,273.1458% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 2,744 |
| Noncurrent loans to loans | 0.0878% | 3,399 |
| Net loans and leases to total assets | 66.2368% | 1,386 |
| Net loans and leases to deposits | 75.2876% | 1,505 |
| Net loans and leases to core deposits | 82.0138% | 1,352 |
| Total domestic deposits to total assets | 87.9784% | 2,533 |
| Equity capital to assets | 11.6971% | 1,062 |
| Core capital (leverage) ratio | 12.1984% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $620,685,000 | 1,460 |
| Average earning assets | $585,244,500 | 1,440 |
| Average equity | $80,652,500 | 1,189 |
| Average total loans | $429,087,500 | 1,296 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9724% | 1,428 |
| Cost of funding earning assets | 0.2508% | 2,922 |
| Net interest margin | 3.7216% | 1,165 |
| Noninterest income to average assets | 0.6149% | 2,096 |
| Noninterest expense to average assets | 2.0248% | 3,601 |
| Loan and lease loss provision to assets | 0.1451% | 823 |
| Net operating income to assets | 1.8810% | 425 |
| Return on assets (ROA) | 1.8888% | 445 |
| Pretax return on assets | 1.9733% | 638 |
| Return on Equity (ROE) | 12.6425% | 1,590 |
| Retained earnings to average equity (ytd only) | 6.9064% | 1,955 |
| Net charge-offs to loans | 0.1930% | 506 |
| Credit loss provision to net charge-offs | 104.7120% | 1,752 |
| Earnings coverage of net charge-offs (x) | 15.2291% | 2,006 |
| Efficiency ratio | 48.9671% | 4,353 |
| Assets per employee ($millions) | 6.6977% | 2,160 |
| Cash dividends to net income (ytd only)* | 45.3716% | 1,755 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0663% | 556 |
| Loan loss allowance to noncurrent loans | 321.3102% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 1,449 |
| Noncurrent loans to loans | 0.6431% | 1,551 |
| Net loans and leases to total assets | 69.4132% | 1,109 |
| Net loans and leases to deposits | 81.6368% | 1,093 |
| Net loans and leases to core deposits | 89.7606% | 984 |
| Total domestic deposits to total assets | 85.0269% | 3,259 |
| Equity capital to assets | 14.4603% | 586 |
| Core capital (leverage) ratio | 13.8771% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $551,351,200 | 1,573 |
| Average earning assets | $521,519,800 | 1,543 |
| Average equity | $82,373,200 | 1,170 |
| Average total loans | $395,854,000 | 1,389 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1446% | 1,203 |
| Cost of funding earning assets | 0.2617% | 2,998 |
| Net interest margin | 3.8829% | 972 |
| Noninterest income to average assets | 0.6280% | 2,107 |
| Noninterest expense to average assets | 2.0417% | 3,553 |
| Loan and lease loss provision to assets | 0.1963% | 528 |
| Net operating income to assets | 1.9765% | 481 |
| Return on assets (ROA) | 1.9841% | 504 |
| Pretax return on assets | 2.0704% | 709 |
| Return on Equity (ROE) | 13.1667% | 1,646 |
| Retained earnings to average equity (ytd only) | 8.6899% | 1,807 |
| Net charge-offs to loans | 0.0187% | 1,682 |
| Credit loss provision to net charge-offs | 1,454.5455% | 411 |
| Earnings coverage of net charge-offs (x) | 167.4182% | 628 |
| Efficiency ratio | 47.4759% | 4,406 |
| Assets per employee ($millions) | 6.4673% | 2,279 |
| Cash dividends to net income (ytd only)* | 34.0010% | 1,900 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3642% | 354 |
| Loan loss allowance to noncurrent loans | 313.6071% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 1,442 |
| Noncurrent loans to loans | 0.7539% | 1,490 |
| Net loans and leases to total assets | 68.6241% | 1,245 |
| Net loans and leases to deposits | 81.2727% | 1,168 |
| Net loans and leases to core deposits | 89.7344% | 1,049 |
| Total domestic deposits to total assets | 84.4368% | 3,323 |
| Equity capital to assets | 15.1175% | 523 |
| Core capital (leverage) ratio | 14.3718% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $543,514,000 | 1,598 |
| Average earning assets | $514,068,500 | 1,574 |
| Average equity | $81,901,500 | 1,200 |
| Average total loans | $391,566,250 | 1,433 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1275% | 1,296 |
| Cost of funding earning assets | 0.2751% | 3,039 |
| Net interest margin | 3.8524% | 1,061 |
| Noninterest income to average assets | 0.6497% | 2,007 |
| Noninterest expense to average assets | 2.0108% | 3,665 |
| Loan and lease loss provision to assets | 0.2225% | 472 |
| Net operating income to assets | 1.9851% | 496 |
| Return on assets (ROA) | 1.9926% | 518 |
| Pretax return on assets | 2.0694% | 722 |
| Return on Equity (ROE) | 13.2381% | 1,638 |
| Retained earnings to average equity (ytd only) | 10.1583% | 1,352 |
| Net charge-offs to loans | 0.0179% | 1,586 |
| Credit loss provision to net charge-offs | 1,714.2857% | 321 |
| Earnings coverage of net charge-offs (x) | 175.9714% | 535 |
| Efficiency ratio | 46.8181% | 4,476 |
| Assets per employee ($millions) | 6.4407% | 2,211 |
| Cash dividends to net income (ytd only)* | 23.2645% | 2,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3006% | 357 |
| Loan loss allowance to noncurrent loans | 300.2982% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 1,512 |
| Noncurrent loans to loans | 0.7661% | 1,574 |
| Net loans and leases to total assets | 70.3041% | 1,159 |
| Net loans and leases to deposits | 83.4399% | 1,099 |
| Net loans and leases to core deposits | 92.2715% | 990 |
| Total domestic deposits to total assets | 84.2572% | 3,354 |
| Equity capital to assets | 15.1665% | 505 |
| Core capital (leverage) ratio | 14.0793% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $539,290,333 | 1,600 |
| Average earning assets | $510,285,667 | 1,576 |
| Average equity | $81,175,000 | 1,202 |
| Average total loans | $391,782,000 | 1,437 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8344% | 1,997 |
| Cost of funding earning assets | 0.2850% | 3,145 |
| Net interest margin | 3.5493% | 1,699 |
| Noninterest income to average assets | 0.6562% | 2,004 |
| Noninterest expense to average assets | 1.9873% | 3,758 |
| Loan and lease loss provision to assets | 0.2242% | 511 |
| Net operating income to assets | 1.7255% | 902 |
| Return on assets (ROA) | 1.7399% | 930 |
| Pretax return on assets | 1.8101% | 1,273 |
| Return on Equity (ROE) | 11.6041% | 2,156 |
| Retained earnings to average equity (ytd only) | 11.6041% | 1,248 |
| Net charge-offs to loans | 0.0143% | 1,459 |
| Credit loss provision to net charge-offs | 2,142.8571% | 237 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 409 |
| Efficiency ratio | 49.5990% | 4,222 |
| Assets per employee ($millions) | 6.5459% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2116% | 417 |
| Loan loss allowance to noncurrent loans | 532.9490% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 2,621 |
| Noncurrent loans to loans | 0.4150% | 2,612 |
| Net loans and leases to total assets | 71.4784% | 1,097 |
| Net loans and leases to deposits | 84.6359% | 1,081 |
| Net loans and leases to core deposits | 94.5627% | 945 |
| Total domestic deposits to total assets | 84.4540% | 3,298 |
| Equity capital to assets | 14.8585% | 517 |
| Core capital (leverage) ratio | 14.4723% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $535,207,500 | 1,598 |
| Average earning assets | $505,222,500 | 1,575 |
| Average equity | $80,247,500 | 1,205 |
| Average total loans | $390,699,500 | 1,447 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3875% | 1,624 |
| Cost of funding earning assets | 0.5026% | 2,931 |
| Net interest margin | 3.8849% | 1,256 |
| Noninterest income to average assets | 0.7237% | 1,773 |
| Noninterest expense to average assets | 2.2236% | 3,613 |
| Loan and lease loss provision to assets | 0.3089% | 1,210 |
| Net operating income to assets | 1.7787% | 408 |
| Return on assets (ROA) | 1.7780% | 440 |
| Pretax return on assets | 1.8563% | 602 |
| Return on Equity (ROE) | 12.1149% | 1,294 |
| Retained earnings to average equity (ytd only) | 8.1802% | 1,004 |
| Net charge-offs to loans | 0.1672% | 993 |
| Credit loss provision to net charge-offs | 247.6852% | 1,949 |
| Earnings coverage of net charge-offs (x) | 17.3657% | 2,078 |
| Efficiency ratio | 50.3837% | 4,505 |
| Assets per employee ($millions) | 6.4281% | 1,970 |
| Cash dividends to net income (ytd only)* | 32.4781% | 2,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2112% | 398 |
| Loan loss allowance to noncurrent loans | 486.0984% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 2,626 |
| Noncurrent loans to loans | 0.4549% | 2,603 |
| Net loans and leases to total assets | 71.2893% | 1,390 |
| Net loans and leases to deposits | 84.6271% | 1,397 |
| Net loans and leases to core deposits | 99.1684% | 947 |
| Total domestic deposits to total assets | 84.2394% | 3,037 |
| Equity capital to assets | 15.1331% | 555 |
| Core capital (leverage) ratio | 13.9424% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $519,524,000 | 1,490 |
| Average earning assets | $490,231,400 | 1,475 |
| Average equity | $76,245,200 | 1,205 |
| Average total loans | $387,444,800 | 1,405 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4723% | 1,643 |
| Cost of funding earning assets | 0.5631% | 2,850 |
| Net interest margin | 3.9092% | 1,332 |
| Noninterest income to average assets | 0.6602% | 1,944 |
| Noninterest expense to average assets | 2.1425% | 3,842 |
| Loan and lease loss provision to assets | 0.2627% | 1,546 |
| Net operating income to assets | 1.8650% | 396 |
| Return on assets (ROA) | 1.8618% | 444 |
| Pretax return on assets | 1.9445% | 577 |
| Return on Equity (ROE) | 12.7873% | 1,172 |
| Retained earnings to average equity (ytd only) | 10.1336% | 731 |
| Net charge-offs to loans | 0.0288% | 2,256 |
| Credit loss provision to net charge-offs | 1,214.2857% | 729 |
| Earnings coverage of net charge-offs (x) | 102.1667% | 779 |
| Efficiency ratio | 48.8876% | 4,562 |
| Assets per employee ($millions) | 6.3174% | 1,982 |
| Cash dividends to net income (ytd only)* | 20.7526% | 2,741 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1579% | 377 |
| Loan loss allowance to noncurrent loans | 187.3563% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 1,344 |
| Noncurrent loans to loans | 1.1517% | 1,315 |
| Net loans and leases to total assets | 73.2945% | 1,460 |
| Net loans and leases to deposits | 86.8894% | 1,605 |
| Net loans and leases to core deposits | 108.7770% | 742 |
| Total domestic deposits to total assets | 84.3537% | 2,691 |
| Equity capital to assets | 15.0955% | 616 |
| Core capital (leverage) ratio | 14.0159% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $517,629,000 | 1,478 |
| Average earning assets | $488,988,250 | 1,458 |
| Average equity | $75,364,750 | 1,207 |
| Average total loans | $388,239,500 | 1,392 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6254% | 1,593 |
| Cost of funding earning assets | 0.6611% | 2,621 |
| Net interest margin | 3.9644% | 1,414 |
| Noninterest income to average assets | 0.6449% | 1,956 |
| Noninterest expense to average assets | 2.0575% | 4,120 |
| Loan and lease loss provision to assets | 0.2270% | 1,847 |
| Net operating income to assets | 2.0192% | 321 |
| Return on assets (ROA) | 2.0136% | 359 |
| Pretax return on assets | 2.0990% | 443 |
| Return on Equity (ROE) | 14.0050% | 890 |
| Retained earnings to average equity (ytd only) | 9.9565% | 798 |
| Net charge-offs to loans | 0.0026% | 2,912 |
| Credit loss provision to net charge-offs | 11,700.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 1,201.8000% | 71 |
| Efficiency ratio | 46.5476% | 4,696 |
| Assets per employee ($millions) | 6.5971% | 1,707 |
| Cash dividends to net income (ytd only)* | 28.9073% | 2,400 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0259% | 419 |
| Loan loss allowance to noncurrent loans | 191.2388% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 1,586 |
| Noncurrent loans to loans | 1.0594% | 1,469 |
| Net loans and leases to total assets | 72.5901% | 1,609 |
| Net loans and leases to deposits | 88.0166% | 1,554 |
| Net loans and leases to core deposits | 111.7601% | 675 |
| Total domestic deposits to total assets | 82.4732% | 3,247 |
| Equity capital to assets | 14.2288% | 803 |
| Core capital (leverage) ratio | 13.4409% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $515,389,333 | 1,467 |
| Average earning assets | $486,787,000 | 1,441 |
| Average equity | $74,102,000 | 1,212 |
| Average total loans | $386,721,333 | 1,369 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6059% | 1,983 |
| Cost of funding earning assets | 0.8484% | 2,120 |
| Net interest margin | 3.7575% | 2,120 |
| Noninterest income to average assets | 0.5515% | 2,274 |
| Noninterest expense to average assets | 2.1799% | 4,062 |
| Loan and lease loss provision to assets | 0.1194% | 2,200 |
| Net operating income to assets | 1.7151% | 498 |
| Return on assets (ROA) | 1.7151% | 552 |
| Pretax return on assets | 1.7947% | 711 |
| Return on Equity (ROE) | 11.8624% | 1,139 |
| Retained earnings to average equity (ytd only) | 3.6055% | 2,844 |
| Net charge-offs to loans | 0.0105% | 2,201 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 240.5000% | 291 |
| Efficiency ratio | 52.8771% | 4,481 |
| Assets per employee ($millions) | 6.2721% | 1,478 |
| Cash dividends to net income (ytd only)* | 69.6056% | 1,211 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9684% | 530 |
| Loan loss allowance to noncurrent loans | 103.6997% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 764 |
| Noncurrent loans to loans | 1.8981% | 775 |
| Net loans and leases to total assets | 74.3693% | 1,553 |
| Net loans and leases to deposits | 89.7628% | 1,537 |
| Net loans and leases to core deposits | 115.7415% | 598 |
| Total domestic deposits to total assets | 82.8509% | 3,154 |
| Equity capital to assets | 14.2682% | 978 |
| Core capital (leverage) ratio | 13.6581% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2166% | 1,552 |
| Memoranda: |
| Average total assets | $502,601,000 | 1,458 |
| Average earning assets | $473,826,000 | 1,436 |
| Average equity | $72,666,500 | 1,229 |
| Average total loans | $379,678,000 | 1,355 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5989% | 2,619 |
| Cost of funding earning assets | 1.1097% | 1,289 |
| Net interest margin | 3.4892% | 3,485 |
| Noninterest income to average assets | 0.5466% | 2,507 |
| Noninterest expense to average assets | 2.1363% | 4,295 |
| Loan and lease loss provision to assets | 0.1767% | 1,180 |
| Net operating income to assets | 1.4523% | 1,178 |
| Return on assets (ROA) | 1.4527% | 1,235 |
| Pretax return on assets | 1.5163% | 1,757 |
| Return on Equity (ROE) | 10.1121% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.4939% | 1,609 |
| Net charge-offs to loans | 0.0987% | 1,740 |
| Credit loss provision to net charge-offs | 244.9568% | 1,108 |
| Earnings coverage of net charge-offs (x) | 23.4611% | 1,814 |
| Efficiency ratio | 55.3866% | 4,278 |
| Assets per employee ($millions) | 6.1361% | 1,530 |
| Cash dividends to net income (ytd only)* | 35.7807% | 2,815 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0423% | 429 |
| Loan loss allowance to noncurrent loans | 156.9525% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 1,282 |
| Noncurrent loans to loans | 1.3012% | 1,160 |
| Net loans and leases to total assets | 73.6714% | 1,806 |
| Net loans and leases to deposits | 89.4099% | 1,656 |
| Net loans and leases to core deposits | 111.5283% | 774 |
| Total domestic deposits to total assets | 82.3974% | 3,398 |
| Equity capital to assets | 14.6571% | 880 |
| Core capital (leverage) ratio | 13.7427% | 992 |
| Tier 1 risk-based capital ratio | 15.5337% | 2,568 |
| Total risk-based capital ratio | 16.7898% | 2,499 |
| Memoranda: |
| Average total assets | $480,974,200 | 1,471 |
| Average earning assets | $452,453,800 | 1,448 |
| Average equity | $69,095,400 | 1,231 |
| Average total loans | $351,690,600 | 1,416 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5738% | 2,814 |
| Cost of funding earning assets | 1.1582% | 1,147 |
| Net interest margin | 3.4156% | 3,822 |
| Noninterest income to average assets | 0.5110% | 2,663 |
| Noninterest expense to average assets | 2.0335% | 4,489 |
| Loan and lease loss provision to assets | 0.1533% | 1,226 |
| Net operating income to assets | 1.4721% | 1,267 |
| Return on assets (ROA) | 1.4726% | 1,325 |
| Pretax return on assets | 1.5378% | 1,844 |
| Return on Equity (ROE) | 10.3046% | 2,301 |
| Retained earnings to average equity (ytd only) | 7.8674% | 1,456 |
| Net charge-offs to loans | 0.0046% | 3,237 |
| Credit loss provision to net charge-offs | 4,583.3333% | 86 |
| Earnings coverage of net charge-offs (x) | 505.5706% | 197 |
| Efficiency ratio | 54.1863% | 4,374 |
| Assets per employee ($millions) | 6.0915% | 1,539 |
| Cash dividends to net income (ytd only)* | 23.6519% | 2,883 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1514% | 360 |
| Loan loss allowance to noncurrent loans | 123.7745% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 984 |
| Noncurrent loans to loans | 1.7381% | 837 |
| Net loans and leases to total assets | 70.6985% | 2,375 |
| Net loans and leases to deposits | 83.3636% | 2,521 |
| Net loans and leases to core deposits | 107.4023% | 1,091 |
| Total domestic deposits to total assets | 84.8074% | 2,496 |
| Equity capital to assets | 14.7444% | 922 |
| Core capital (leverage) ratio | 13.9439% | 1,001 |
| Tier 1 risk-based capital ratio | 15.9151% | 2,470 |
| Total risk-based capital ratio | 17.1722% | 2,399 |
| Memoranda: |
| Average total assets | $478,495,500 | 1,488 |
| Average earning assets | $450,116,250 | 1,464 |
| Average equity | $68,381,750 | 1,240 |
| Average total loans | $347,317,000 | 1,442 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5534% | 2,830 |
| Cost of funding earning assets | 1.1772% | 1,057 |
| Net interest margin | 3.3762% | 3,968 |
| Noninterest income to average assets | 0.4555% | 2,931 |
| Noninterest expense to average assets | 2.0843% | 4,443 |
| Loan and lease loss provision to assets | 0.2313% | 701 |
| Net operating income to assets | 1.2621% | 1,907 |
| Return on assets (ROA) | 1.2629% | 1,972 |
| Pretax return on assets | 1.3176% | 2,490 |
| Return on Equity (ROE) | 8.9342% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.2153% | 2,659 |
| Net charge-offs to loans | 0.1197% | 1,235 |
| Credit loss provision to net charge-offs | 265.7005% | 973 |
| Earnings coverage of net charge-offs (x) | 17.7826% | 1,881 |
| Efficiency ratio | 56.9526% | 4,139 |
| Assets per employee ($millions) | 6.0646% | 1,497 |
| Cash dividends to net income (ytd only)* | 41.6250% | 2,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1123% | 386 |
| Loan loss allowance to noncurrent loans | 109.9851% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 849 |
| Noncurrent loans to loans | 1.9206% | 761 |
| Net loans and leases to total assets | 71.3827% | 2,310 |
| Net loans and leases to deposits | 83.7915% | 2,512 |
| Net loans and leases to core deposits | 108.1783% | 1,085 |
| Total domestic deposits to total assets | 85.1908% | 2,393 |
| Equity capital to assets | 14.4078% | 979 |
| Core capital (leverage) ratio | 13.4939% | 1,123 |
| Tier 1 risk-based capital ratio | 15.5402% | 2,612 |
| Total risk-based capital ratio | 16.7968% | 2,538 |
| Memoranda: |
| Average total assets | $475,555,330 | 1,498 |
| Average earning assets | $447,491,670 | 1,475 |
| Average equity | $67,225,000 | 1,249 |
| Average total loans | $345,722,670 | 1,455 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5143% | 2,815 |
| Cost of funding earning assets | 1.1355% | 1,074 |
| Net interest margin | 3.3787% | 3,940 |
| Noninterest income to average assets | 0.4610% | 2,794 |
| Noninterest expense to average assets | 2.0566% | 4,537 |
| Loan and lease loss provision to assets | 0.2533% | 571 |
| Net operating income to assets | 1.2765% | 1,790 |
| Return on assets (ROA) | 1.2765% | 1,831 |
| Pretax return on assets | 1.3314% | 2,325 |
| Return on Equity (ROE) | 9.1189% | 2,760 |
| Retained earnings to average equity (ytd only) | 9.1189% | 1,282 |
| Net charge-offs to loans | 0.0931% | 1,199 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 23.4625% | 1,473 |
| Efficiency ratio | 56.0399% | 4,330 |
| Assets per employee ($millions) | 6.1039% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0956% | 420 |
| Loan loss allowance to noncurrent loans | 126.6713% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 901 |
| Noncurrent loans to loans | 1.6543% | 944 |
| Net loans and leases to total assets | 71.2115% | 2,298 |
| Net loans and leases to deposits | 83.3558% | 2,462 |
| Net loans and leases to core deposits | 102.4067% | 1,422 |
| Total domestic deposits to total assets | 85.4308% | 2,513 |
| Equity capital to assets | 14.2178% | 963 |
| Core capital (leverage) ratio | 13.5846% | 1,062 |
| Tier 1 risk-based capital ratio | 15.1058% | 2,836 |
| Total risk-based capital ratio | 16.3615% | 2,745 |
| Memoranda: |
| Average total assets | $473,782,500 | 1,512 |
| Average earning assets | $445,964,500 | 1,489 |
| Average equity | $66,323,500 | 1,259 |
| Average total loans | $343,896,500 | 1,468 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5160% | 2,416 |
| Cost of funding earning assets | 0.8987% | 1,099 |
| Net interest margin | 3.6173% | 3,322 |
| Noninterest income to average assets | 0.5648% | 2,470 |
| Noninterest expense to average assets | 2.0509% | 4,652 |
| Loan and lease loss provision to assets | 0.4409% | 294 |
| Net operating income to assets | 1.4057% | 1,414 |
| Return on assets (ROA) | 1.4057% | 1,401 |
| Pretax return on assets | 1.4708% | 1,870 |
| Return on Equity (ROE) | 10.4988% | 2,286 |
| Retained earnings to average equity (ytd only) | 6.9450% | 1,698 |
| Net charge-offs to loans | 0.2864% | 678 |
| Credit loss provision to net charge-offs | 213.4084% | 1,355 |
| Earnings coverage of net charge-offs (x) | 9.2528% | 2,826 |
| Efficiency ratio | 51.3555% | 4,855 |
| Assets per employee ($millions) | 6.0443% | 1,489 |
| Cash dividends to net income (ytd only)* | 33.8499% | 2,859 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0607% | 426 |
| Loan loss allowance to noncurrent loans | 356.8458% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 2,885 |
| Noncurrent loans to loans | 0.5775% | 2,555 |
| Net loans and leases to total assets | 70.9408% | 2,427 |
| Net loans and leases to deposits | 83.4238% | 2,577 |
| Net loans and leases to core deposits | 99.2372% | 1,779 |
| Total domestic deposits to total assets | 85.0366% | 2,635 |
| Equity capital to assets | 13.7775% | 1,037 |
| Core capital (leverage) ratio | 13.2341% | 1,168 |
| Tier 1 risk-based capital ratio | 11.6815% | 4,631 |
| Total risk-based capital ratio | 12.9323% | 4,515 |
| Memoranda: |
| Average total assets | $472,874,600 | 1,479 |
| Average earning assets | $444,175,000 | 1,468 |
| Average equity | $63,312,000 | 1,264 |
| Average total loans | $341,156,000 | 1,435 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4935% | 2,330 |
| Cost of funding earning assets | 0.8341% | 1,174 |
| Net interest margin | 3.6594% | 3,173 |
| Noninterest income to average assets | 0.5055% | 2,838 |
| Noninterest expense to average assets | 2.0573% | 4,634 |
| Loan and lease loss provision to assets | 0.4437% | 270 |
| Net operating income to assets | 1.3820% | 1,547 |
| Return on assets (ROA) | 1.3820% | 1,553 |
| Pretax return on assets | 1.4420% | 2,082 |
| Return on Equity (ROE) | 10.3970% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.2773% | 1,522 |
| Net charge-offs to loans | 0.3729% | 433 |
| Credit loss provision to net charge-offs | 165.0943% | 1,607 |
| Earnings coverage of net charge-offs (x) | 7.0157% | 2,836 |
| Efficiency ratio | 51.7756% | 4,833 |
| Assets per employee ($millions) | 5.9705% | 1,507 |
| Cash dividends to net income (ytd only)* | 20.3873% | 2,996 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9100% | 580 |
| Loan loss allowance to noncurrent loans | 289.8230% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 2,127 |
| Noncurrent loans to loans | 0.6590% | 2,436 |
| Net loans and leases to total assets | 71.3176% | 2,442 |
| Net loans and leases to deposits | 83.3437% | 2,674 |
| Net loans and leases to core deposits | 100.6360% | 1,730 |
| Total domestic deposits to total assets | 85.5705% | 2,365 |
| Equity capital to assets | 13.4909% | 1,139 |
| Core capital (leverage) ratio | 13.3024% | 1,176 |
| Tier 1 risk-based capital ratio | 11.6761% | 4,689 |
| Total risk-based capital ratio | 12.9115% | 4,588 |
| Memoranda: |
| Average total assets | $473,228,750 | 1,486 |
| Average earning assets | $444,541,500 | 1,474 |
| Average equity | $62,901,250 | 1,271 |
| Average total loans | $341,071,750 | 1,436 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5236% | 2,015 |
| Cost of funding earning assets | 0.7909% | 1,169 |
| Net interest margin | 3.7327% | 2,814 |
| Noninterest income to average assets | 0.4593% | 3,097 |
| Noninterest expense to average assets | 2.0640% | 4,683 |
| Loan and lease loss provision to assets | 0.4433% | 263 |
| Net operating income to assets | 1.3986% | 1,448 |
| Return on assets (ROA) | 1.3986% | 1,449 |
| Pretax return on assets | 1.4569% | 1,967 |
| Return on Equity (ROE) | 10.5750% | 2,294 |
| Retained earnings to average equity (ytd only) | 10.5750% | 767 |
| Net charge-offs to loans | 0.3642% | 432 |
| Credit loss provision to net charge-offs | 169.6284% | 1,456 |
| Earnings coverage of net charge-offs (x) | 7.2714% | 2,562 |
| Efficiency ratio | 51.6720% | 4,922 |
| Assets per employee ($millions) | 6.0605% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8851% | 651 |
| Loan loss allowance to noncurrent loans | 426.8456% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 2,792 |
| Noncurrent loans to loans | 0.4416% | 3,111 |
| Net loans and leases to total assets | 70.9349% | 2,442 |
| Net loans and leases to deposits | 83.5361% | 2,588 |
| Net loans and leases to core deposits | 90.5105% | 2,527 |
| Total domestic deposits to total assets | 84.9152% | 2,706 |
| Equity capital to assets | 13.6699% | 1,038 |
| Core capital (leverage) ratio | 13.2005% | 1,158 |
| Tier 1 risk-based capital ratio | 11.7036% | 4,686 |
| Total risk-based capital ratio | 12.9180% | 4,585 |
| Memoranda: |
| Average total assets | $473,747,330 | 1,487 |
| Average earning assets | $444,821,000 | 1,469 |
| Average equity | $62,657,330 | 1,277 |
| Average total loans | $339,917,000 | 1,442 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2542% | 2,693 |
| Cost of funding earning assets | 0.7519% | 1,181 |
| Net interest margin | 3.5023% | 3,528 |
| Noninterest income to average assets | 0.5498% | 2,522 |
| Noninterest expense to average assets | 1.9200% | 4,991 |
| Loan and lease loss provision to assets | 0.4400% | 244 |
| Net operating income to assets | 1.4163% | 1,302 |
| Return on assets (ROA) | 1.4163% | 1,309 |
| Pretax return on assets | 1.4767% | 1,742 |
| Return on Equity (ROE) | 10.8874% | 2,015 |
| Retained earnings to average equity (ytd only) | 10.8874% | 920 |
| Net charge-offs to loans | 0.0106% | 2,365 |
| Credit loss provision to net charge-offs | 5,833.3333% | 56 |
| Earnings coverage of net charge-offs (x) | 254.1111% | 266 |
| Efficiency ratio | 49.6287% | 5,106 |
| Assets per employee ($millions) | 6.2926% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9061% | 649 |
| Loan loss allowance to noncurrent loans | 69.5329% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.3856% | 405 |
| Noncurrent loans to loans | 2.7413% | 461 |
| Net loans and leases to total assets | 70.2781% | 2,431 |
| Net loans and leases to deposits | 83.5907% | 2,439 |
| Net loans and leases to core deposits | 92.5740% | 2,253 |
| Total domestic deposits to total assets | 84.0741% | 3,294 |
| Equity capital to assets | 13.2207% | 1,148 |
| Core capital (leverage) ratio | 12.6247% | 1,334 |
| Tier 1 risk-based capital ratio | 11.4126% | 4,907 |
| Total risk-based capital ratio | 12.6456% | 4,827 |
| Memoranda: |
| Average total assets | $477,290,000 | 1,484 |
| Average earning assets | $447,932,500 | 1,467 |
| Average equity | $62,090,000 | 1,291 |
| Average total loans | $341,182,500 | 1,444 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0940% | 3,080 |
| Cost of funding earning assets | 0.6817% | 1,127 |
| Net interest margin | 3.4122% | 3,811 |
| Noninterest income to average assets | 0.5789% | 2,561 |
| Noninterest expense to average assets | 1.9207% | 5,090 |
| Loan and lease loss provision to assets | 0.5063% | 257 |
| Net operating income to assets | 1.3074% | 1,211 |
| Return on assets (ROA) | 1.3125% | 1,215 |
| Pretax return on assets | 1.3705% | 2,095 |
| Return on Equity (ROE) | 10.2337% | 1,794 |
| Retained earnings to average equity (ytd only) | 3.0778% | 3,457 |
| Net charge-offs to loans | 1.0803% | 159 |
| Credit loss provision to net charge-offs | 64.8123% | 3,166 |
| Earnings coverage of net charge-offs (x) | 2.3956% | 3,747 |
| Efficiency ratio | 50.2086% | 5,209 |
| Assets per employee ($millions) | 6.4351% | 1,243 |
| Cash dividends to net income (ytd only)* | 69.9244% | 1,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7223% | 900 |
| Loan loss allowance to noncurrent loans | 43.2363% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.8413% | 300 |
| Noncurrent loans to loans | 3.9835% | 239 |
| Net loans and leases to total assets | 70.0979% | 2,507 |
| Net loans and leases to deposits | 83.7702% | 2,517 |
| Net loans and leases to core deposits | 97.4463% | 1,903 |
| Total domestic deposits to total assets | 83.6789% | 3,318 |
| Equity capital to assets | 12.8017% | 1,354 |
| Core capital (leverage) ratio | 12.2859% | 1,457 |
| Tier 1 risk-based capital ratio | 11.0314% | 5,128 |
| Total risk-based capital ratio | 12.1593% | 5,082 |
| Memoranda: |
| Average total assets | $473,991,200 | 1,470 |
| Average earning assets | $446,365,200 | 1,447 |
| Average equity | $60,789,600 | 1,298 |
| Average total loans | $342,772,400 | 1,397 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0865% | 3,030 |
| Cost of funding earning assets | 0.6857% | 1,035 |
| Net interest margin | 3.4008% | 3,849 |
| Noninterest income to average assets | 0.5835% | 2,568 |
| Noninterest expense to average assets | 1.9238% | 5,103 |
| Loan and lease loss provision to assets | 0.5086% | 228 |
| Net operating income to assets | 1.2959% | 1,351 |
| Return on assets (ROA) | 1.3027% | 1,363 |
| Pretax return on assets | 1.3592% | 2,244 |
| Return on Equity (ROE) | 10.1527% | 2,055 |
| Retained earnings to average equity (ytd only) | 2.7749% | 4,249 |
| Net charge-offs to loans | 0.6448% | 308 |
| Credit loss provision to net charge-offs | 108.6957% | 2,155 |
| Earnings coverage of net charge-offs (x) | 3.9765% | 3,281 |
| Efficiency ratio | 50.3845% | 5,221 |
| Assets per employee ($millions) | 6.2035% | 1,377 |
| Cash dividends to net income (ytd only)* | 72.6682% | 869 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1914% | 415 |
| Loan loss allowance to noncurrent loans | 43.6192% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 3.6345% | 202 |
| Noncurrent loans to loans | 5.0240% | 162 |
| Net loans and leases to total assets | 70.7571% | 2,449 |
| Net loans and leases to deposits | 82.9914% | 2,658 |
| Net loans and leases to core deposits | 103.4914% | 1,433 |
| Total domestic deposits to total assets | 85.2584% | 2,616 |
| Equity capital to assets | 13.3093% | 1,246 |
| Core capital (leverage) ratio | 12.3614% | 1,479 |
| Tier 1 risk-based capital ratio | 11.4131% | 5,003 |
| Total risk-based capital ratio | 12.6814% | 4,886 |
| Memoranda: |
| Average total assets | $471,831,000 | 1,485 |
| Average earning assets | $444,117,000 | 1,465 |
| Average equity | $60,540,750 | 1,313 |
| Average total loans | $342,404,500 | 1,407 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0317% | 3,085 |
| Cost of funding earning assets | 0.6693% | 1,045 |
| Net interest margin | 3.3625% | 3,898 |
| Noninterest income to average assets | 0.5675% | 2,620 |
| Noninterest expense to average assets | 1.9940% | 4,989 |
| Loan and lease loss provision to assets | 0.5063% | 232 |
| Net operating income to assets | 1.1826% | 1,659 |
| Return on assets (ROA) | 1.1826% | 1,691 |
| Pretax return on assets | 1.2341% | 2,644 |
| Return on Equity (ROE) | 9.3309% | 2,341 |
| Retained earnings to average equity (ytd only) | 0.5093% | 4,976 |
| Net charge-offs to loans | 0.9589% | 206 |
| Credit loss provision to net charge-offs | 72.6832% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.4985% | 3,154 |
| Efficiency ratio | 52.9319% | 5,101 |
| Assets per employee ($millions) | 6.3229% | 1,245 |
| Cash dividends to net income (ytd only)* | 94.5416% | 553 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9843% | 621 |
| Loan loss allowance to noncurrent loans | 49.5180% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.8877% | 333 |
| Noncurrent loans to loans | 4.0072% | 241 |
| Net loans and leases to total assets | 70.6333% | 2,425 |
| Net loans and leases to deposits | 85.2975% | 2,312 |
| Net loans and leases to core deposits | 103.7613% | 1,371 |
| Total domestic deposits to total assets | 82.8082% | 3,626 |
| Equity capital to assets | 12.8875% | 1,424 |
| Core capital (leverage) ratio | 11.9568% | 1,654 |
| Tier 1 risk-based capital ratio | 11.2207% | 5,130 |
| Total risk-based capital ratio | 12.4877% | 5,007 |
| Memoranda: |
| Average total assets | $474,020,670 | 1,486 |
| Average earning assets | $446,458,670 | 1,460 |
| Average equity | $60,080,000 | 1,320 |
| Average total loans | $344,345,330 | 1,407 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9250% | 3,306 |
| Cost of funding earning assets | 0.6250% | 1,215 |
| Net interest margin | 3.3000% | 4,008 |
| Noninterest income to average assets | 0.5081% | 2,920 |
| Noninterest expense to average assets | 1.9725% | 5,111 |
| Loan and lease loss provision to assets | 0.5064% | 201 |
| Net operating income to assets | 1.0879% | 1,920 |
| Return on assets (ROA) | 1.0879% | 1,964 |
| Pretax return on assets | 1.1352% | 2,840 |
| Return on Equity (ROE) | 8.6565% | 2,583 |
| Retained earnings to average equity (ytd only) | -2.4243% | 5,212 |
| Net charge-offs to loans | 1.2140% | 144 |
| Credit loss provision to net charge-offs | 57.1973% | 1,932 |
| Earnings coverage of net charge-offs (x) | 1.8541% | 2,671 |
| Efficiency ratio | 54.0635% | 5,121 |
| Assets per employee ($millions) | 6.2541% | 1,324 |
| Cash dividends to net income (ytd only)* | 128.0062% | 491 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9559% | 726 |
| Loan loss allowance to noncurrent loans | 63.2684% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.2556% | 548 |
| Noncurrent loans to loans | 3.0915% | 436 |
| Net loans and leases to total assets | 71.5340% | 2,136 |
| Net loans and leases to deposits | 86.1572% | 2,016 |
| Net loans and leases to core deposits | 102.2719% | 1,352 |
| Total domestic deposits to total assets | 83.0273% | 3,822 |
| Equity capital to assets | 12.5238% | 1,512 |
| Core capital (leverage) ratio | 11.8384% | 1,729 |
| Tier 1 risk-based capital ratio | 10.9427% | 5,338 |
| Total risk-based capital ratio | 12.1937% | 5,256 |
| Memoranda: |
| Average total assets | $473,920,500 | 1,492 |
| Average earning assets | $446,061,500 | 1,465 |
| Average equity | $59,562,500 | 1,325 |
| Average total loans | $345,648,500 | 1,411 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0275% | 3,105 |
| Cost of funding earning assets | 0.6171% | 1,226 |
| Net interest margin | 3.4104% | 3,787 |
| Noninterest income to average assets | 0.5838% | 2,745 |
| Noninterest expense to average assets | 1.8607% | 5,413 |
| Loan and lease loss provision to assets | 0.6077% | 214 |
| Net operating income to assets | 1.2674% | 1,306 |
| Return on assets (ROA) | 1.2674% | 1,381 |
| Pretax return on assets | 1.3235% | 2,202 |
| Return on Equity (ROE) | 10.1381% | 1,902 |
| Retained earnings to average equity (ytd only) | 8.8709% | 613 |
| Net charge-offs to loans | 0.1079% | 2,192 |
| Credit loss provision to net charge-offs | 773.3871% | 472 |
| Earnings coverage of net charge-offs (x) | 24.5780% | 1,632 |
| Efficiency ratio | 48.5294% | 5,550 |
| Assets per employee ($millions) | 5.9814% | 1,497 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,963 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0992% | 549 |
| Loan loss allowance to noncurrent loans | 127.5935% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 1,504 |
| Noncurrent loans to loans | 1.6453% | 1,182 |
| Net loans and leases to total assets | 71.3760% | 2,260 |
| Net loans and leases to deposits | 85.9469% | 2,179 |
| Net loans and leases to core deposits | 102.9583% | 1,363 |
| Total domestic deposits to total assets | 83.0466% | 3,751 |
| Equity capital to assets | 12.6125% | 1,456 |
| Core capital (leverage) ratio | 12.0030% | 1,598 |
| Tier 1 risk-based capital ratio | 11.1925% | 5,225 |
| Total risk-based capital ratio | 12.4448% | 5,119 |
| Memoranda: |
| Average total assets | $473,427,200 | 1,445 |
| Average earning assets | $445,340,000 | 1,429 |
| Average equity | $59,182,400 | 1,302 |
| Average total loans | $344,823,400 | 1,354 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0095% | 3,199 |
| Cost of funding earning assets | 0.6005% | 1,326 |
| Net interest margin | 3.4091% | 3,808 |
| Noninterest income to average assets | 0.5610% | 2,868 |
| Noninterest expense to average assets | 1.8820% | 5,414 |
| Loan and lease loss provision to assets | 0.3995% | 368 |
| Net operating income to assets | 1.4256% | 1,016 |
| Return on assets (ROA) | 1.4256% | 1,068 |
| Pretax return on assets | 1.4887% | 1,743 |
| Return on Equity (ROE) | 11.4692% | 1,501 |
| Retained earnings to average equity (ytd only) | 9.7766% | 623 |
| Net charge-offs to loans | 0.1162% | 1,790 |
| Credit loss provision to net charge-offs | 471.5232% | 743 |
| Earnings coverage of net charge-offs (x) | 22.2879% | 1,766 |
| Efficiency ratio | 49.3750% | 5,537 |
| Assets per employee ($millions) | 6.1026% | 1,354 |
| Cash dividends to net income (ytd only)* | 14.7580% | 3,422 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6961% | 1,229 |
| Loan loss allowance to noncurrent loans | 49.2009% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 2.5059% | 543 |
| Noncurrent loans to loans | 3.4474% | 381 |
| Net loans and leases to total assets | 71.2164% | 2,315 |
| Net loans and leases to deposits | 88.1203% | 1,999 |
| Net loans and leases to core deposits | 106.6815% | 1,132 |
| Total domestic deposits to total assets | 80.8173% | 4,296 |
| Equity capital to assets | 12.9054% | 1,538 |
| Core capital (leverage) ratio | 11.6944% | 1,893 |
| Tier 1 risk-based capital ratio | 11.0916% | 5,320 |
| Total risk-based capital ratio | 12.2674% | 5,271 |
| Memoranda: |
| Average total assets | $475,305,250 | 1,442 |
| Average earning assets | $447,424,000 | 1,425 |
| Average equity | $59,078,500 | 1,315 |
| Average total loans | $346,556,750 | 1,349 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0017% | 3,240 |
| Cost of funding earning assets | 0.5884% | 1,415 |
| Net interest margin | 3.4134% | 3,839 |
| Noninterest income to average assets | 0.5153% | 3,093 |
| Noninterest expense to average assets | 1.9218% | 5,415 |
| Loan and lease loss provision to assets | 0.4020% | 378 |
| Net operating income to assets | 1.3509% | 1,164 |
| Return on assets (ROA) | 1.3509% | 1,236 |
| Pretax return on assets | 1.4103% | 1,983 |
| Return on Equity (ROE) | 11.0096% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.0096% | 440 |
| Net charge-offs to loans | 0.1613% | 1,366 |
| Credit loss provision to net charge-offs | 341.0714% | 872 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,995 |
| Efficiency ratio | 50.9132% | 5,511 |
| Assets per employee ($millions) | 6.2089% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5363% | 1,735 |
| Loan loss allowance to noncurrent loans | 48.9312% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.3176% | 646 |
| Noncurrent loans to loans | 3.1397% | 454 |
| Net loans and leases to total assets | 72.4192% | 2,102 |
| Net loans and leases to deposits | 89.9824% | 1,762 |
| Net loans and leases to core deposits | 108.3141% | 1,022 |
| Total domestic deposits to total assets | 80.4815% | 4,417 |
| Equity capital to assets | 12.6450% | 1,689 |
| Core capital (leverage) ratio | 11.4397% | 2,033 |
| Tier 1 risk-based capital ratio | 10.9356% | 5,455 |
| Total risk-based capital ratio | 12.0288% | 5,461 |
| Memoranda: |
| Average total assets | $475,073,330 | 1,445 |
| Average earning assets | $448,005,000 | 1,431 |
| Average equity | $58,294,670 | 1,335 |
| Average total loans | $347,129,000 | 1,347 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9812% | 3,282 |
| Cost of funding earning assets | 0.5814% | 1,470 |
| Net interest margin | 3.3998% | 3,868 |
| Noninterest income to average assets | 0.4654% | 3,371 |
| Noninterest expense to average assets | 1.8954% | 5,528 |
| Loan and lease loss provision to assets | 0.2770% | 599 |
| Net operating income to assets | 1.4410% | 960 |
| Return on assets (ROA) | 1.4410% | 1,008 |
| Pretax return on assets | 1.5086% | 1,555 |
| Return on Equity (ROE) | 11.9269% | 1,334 |
| Retained earnings to average equity (ytd only) | 11.9269% | 517 |
| Net charge-offs to loans | 0.0754% | 1,734 |
| Credit loss provision to net charge-offs | 504.6154% | 596 |
| Earnings coverage of net charge-offs (x) | 32.5231% | 1,137 |
| Efficiency ratio | 50.9408% | 5,569 |
| Assets per employee ($millions) | 6.2982% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4240% | 2,316 |
| Loan loss allowance to noncurrent loans | 120.9111% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 2,538 |
| Noncurrent loans to loans | 1.1777% | 2,056 |
| Net loans and leases to total assets | 72.1658% | 2,011 |
| Net loans and leases to deposits | 91.4502% | 1,409 |
| Net loans and leases to core deposits | 106.9582% | 1,021 |
| Total domestic deposits to total assets | 78.9127% | 4,986 |
| Equity capital to assets | 12.1779% | 1,903 |
| Core capital (leverage) ratio | 11.2961% | 2,142 |
| Tier 1 risk-based capital ratio | 10.7486% | 5,644 |
| Total risk-based capital ratio | 11.7698% | 5,652 |
| Memoranda: |
| Average total assets | $473,567,000 | 1,449 |
| Average earning assets | $447,906,000 | 1,430 |
| Average equity | $57,215,000 | 1,356 |
| Average total loans | $344,879,500 | 1,349 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0134% | 3,265 |
| Cost of funding earning assets | 0.5589% | 1,685 |
| Net interest margin | 3.4545% | 3,699 |
| Noninterest income to average assets | 0.6519% | 2,452 |
| Noninterest expense to average assets | 2.0703% | 5,314 |
| Loan and lease loss provision to assets | 0.3966% | 346 |
| Net operating income to assets | 1.4318% | 979 |
| Return on assets (ROA) | 1.4327% | 1,007 |
| Pretax return on assets | 1.4553% | 1,696 |
| Return on Equity (ROE) | 12.0376% | 1,289 |
| Retained earnings to average equity (ytd only) | 7.1079% | 1,235 |
| Net charge-offs to loans | 0.3642% | 805 |
| Credit loss provision to net charge-offs | 151.4523% | 1,759 |
| Earnings coverage of net charge-offs (x) | 7.0689% | 3,120 |
| Efficiency ratio | 52.2582% | 5,621 |
| Assets per employee ($millions) | 6.0840% | 1,327 |
| Cash dividends to net income (ytd only)* | 40.9525% | 2,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3930% | 2,455 |
| Loan loss allowance to noncurrent loans | 1,020.9503% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 5,216 |
| Noncurrent loans to loans | 0.1364% | 4,947 |
| Net loans and leases to total assets | 71.4262% | 2,142 |
| Net loans and leases to deposits | 88.1516% | 1,864 |
| Net loans and leases to core deposits | 101.7559% | 1,379 |
| Total domestic deposits to total assets | 81.0266% | 4,475 |
| Equity capital to assets | 11.9835% | 1,961 |
| Core capital (leverage) ratio | 10.9906% | 2,415 |
| Tier 1 risk-based capital ratio | 10.7680% | 5,640 |
| Total risk-based capital ratio | 11.7685% | 5,686 |
| Memoranda: |
| Average total assets | $460,185,400 | 1,459 |
| Average earning assets | $435,516,200 | 1,435 |
| Average equity | $54,770,000 | 1,364 |
| Average total loans | $330,829,000 | 1,355 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0015% | 3,336 |
| Cost of funding earning assets | 0.5554% | 1,758 |
| Net interest margin | 3.4461% | 3,765 |
| Noninterest income to average assets | 0.6895% | 2,282 |
| Noninterest expense to average assets | 1.9869% | 5,504 |
| Loan and lease loss provision to assets | 0.2893% | 529 |
| Net operating income to assets | 1.6054% | 761 |
| Return on assets (ROA) | 1.6065% | 788 |
| Pretax return on assets | 1.6776% | 1,168 |
| Return on Equity (ROE) | 13.5222% | 1,001 |
| Retained earnings to average equity (ytd only) | 8.6228% | 1,029 |
| Net charge-offs to loans | 0.0365% | 3,175 |
| Credit loss provision to net charge-offs | 1,104.4444% | 342 |
| Earnings coverage of net charge-offs (x) | 75.0426% | 777 |
| Efficiency ratio | 49.7312% | 5,793 |
| Assets per employee ($millions) | 6.0494% | 1,343 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4785% | 2,247 |
| Loan loss allowance to noncurrent loans | 72.2463% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.5268% | 1,468 |
| Noncurrent loans to loans | 2.0464% | 1,123 |
| Net loans and leases to total assets | 71.6871% | 2,109 |
| Net loans and leases to deposits | 90.0820% | 1,640 |
| Net loans and leases to core deposits | 104.2444% | 1,214 |
| Total domestic deposits to total assets | 79.5799% | 4,840 |
| Equity capital to assets | 12.0119% | 2,096 |
| Core capital (leverage) ratio | 11.0837% | 2,402 |
| Tier 1 risk-based capital ratio | 10.7607% | 5,773 |
| Total risk-based capital ratio | 11.8285% | 5,777 |
| Memoranda: |
| Average total assets | $458,114,000 | 1,471 |
| Average earning assets | $433,797,250 | 1,440 |
| Average equity | $54,427,750 | 1,382 |
| Average total loans | $328,701,750 | 1,364 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9957% | 3,310 |
| Cost of funding earning assets | 0.5494% | 1,823 |
| Net interest margin | 3.4463% | 3,730 |
| Noninterest income to average assets | 0.5554% | 3,006 |
| Noninterest expense to average assets | 1.9980% | 5,538 |
| Loan and lease loss provision to assets | 0.2906% | 544 |
| Net operating income to assets | 1.4506% | 987 |
| Return on assets (ROA) | 1.4506% | 1,030 |
| Pretax return on assets | 1.5300% | 1,560 |
| Return on Equity (ROE) | 12.2553% | 1,297 |
| Retained earnings to average equity (ytd only) | 8.5460% | 1,063 |
| Net charge-offs to loans | 0.0400% | 2,881 |
| Credit loss provision to net charge-offs | 1,018.4615% | 346 |
| Earnings coverage of net charge-offs (x) | 63.8000% | 809 |
| Efficiency ratio | 51.7590% | 5,736 |
| Assets per employee ($millions) | 5.9029% | 1,430 |
| Cash dividends to net income (ytd only)* | 30.2663% | 2,803 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4102% | 2,707 |
| Loan loss allowance to noncurrent loans | 126.5537% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 2,847 |
| Noncurrent loans to loans | 1.1143% | 2,427 |
| Net loans and leases to total assets | 71.4266% | 2,082 |
| Net loans and leases to deposits | 92.7951% | 1,272 |
| Net loans and leases to core deposits | 104.1216% | 1,179 |
| Total domestic deposits to total assets | 76.9724% | 5,458 |
| Equity capital to assets | 11.7719% | 2,183 |
| Core capital (leverage) ratio | 10.7839% | 2,633 |
| Tier 1 risk-based capital ratio | 10.7478% | 5,826 |
| Total risk-based capital ratio | 11.7739% | 5,857 |
| Memoranda: |
| Average total assets | $455,550,000 | 1,491 |
| Average earning assets | $431,364,000 | 1,454 |
| Average equity | $53,919,670 | 1,402 |
| Average total loans | $325,291,000 | 1,379 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9166% | 3,529 |
| Cost of funding earning assets | 0.5487% | 1,859 |
| Net interest margin | 3.3679% | 3,960 |
| Noninterest income to average assets | 0.5208% | 3,148 |
| Noninterest expense to average assets | 1.9818% | 5,616 |
| Loan and lease loss provision to assets | 0.2922% | 508 |
| Net operating income to assets | 1.3648% | 1,106 |
| Return on assets (ROA) | 1.3648% | 1,167 |
| Pretax return on assets | 1.4328% | 1,766 |
| Return on Equity (ROE) | 11.4989% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.4989% | 644 |
| Net charge-offs to loans | 0.0075% | 3,077 |
| Credit loss provision to net charge-offs | 5,516.6667% | 73 |
| Earnings coverage of net charge-offs (x) | 325.6667% | 169 |
| Efficiency ratio | 52.8935% | 5,754 |
| Assets per employee ($millions) | 5.8933% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3486% | 3,149 |
| Loan loss allowance to noncurrent loans | 213.0769% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 4,029 |
| Noncurrent loans to loans | 0.6329% | 3,692 |
| Net loans and leases to total assets | 70.5270% | 2,066 |
| Net loans and leases to deposits | 90.0195% | 1,394 |
| Net loans and leases to core deposits | 97.0795% | 1,546 |
| Total domestic deposits to total assets | 78.3464% | 5,379 |
| Equity capital to assets | 11.9462% | 2,067 |
| Core capital (leverage) ratio | 11.0113% | 2,400 |
| Tier 1 risk-based capital ratio | 10.7479% | 5,919 |
| Total risk-based capital ratio | 11.7301% | 5,966 |
| Memoranda: |
| Average total assets | $453,112,500 | 1,505 |
| Average earning assets | $428,636,000 | 1,469 |
| Average equity | $53,779,000 | 1,415 |
| Average total loans | $321,151,500 | 1,394 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0485% | 3,529 |
| Cost of funding earning assets | 0.5956% | 1,795 |
| Net interest margin | 3.4530% | 3,965 |
| Noninterest income to average assets | 0.5795% | 2,991 |
| Noninterest expense to average assets | 2.0558% | 5,667 |
| Loan and lease loss provision to assets | 0.2565% | 875 |
| Net operating income to assets | 1.4478% | 986 |
| Return on assets (ROA) | 1.4538% | 1,006 |
| Pretax return on assets | 1.5320% | 1,435 |
| Return on Equity (ROE) | 12.6139% | 1,232 |
| Retained earnings to average equity (ytd only) | 8.2065% | 945 |
| Net charge-offs to loans | 0.6050% | 655 |
| Credit loss provision to net charge-offs | 61.1511% | 3,266 |
| Earnings coverage of net charge-offs (x) | 4.2485% | 3,701 |
| Efficiency ratio | 52.9760% | 5,913 |
| Assets per employee ($millions) | 5.5129% | 1,758 |
| Cash dividends to net income (ytd only)* | 34.9409% | 3,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3093% | 3,369 |
| Loan loss allowance to noncurrent loans | 232.5595% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 4,375 |
| Noncurrent loans to loans | 0.5630% | 3,980 |
| Net loans and leases to total assets | 69.3245% | 2,334 |
| Net loans and leases to deposits | 87.8600% | 1,751 |
| Net loans and leases to core deposits | 95.3758% | 1,773 |
| Total domestic deposits to total assets | 78.9034% | 5,264 |
| Equity capital to assets | 11.7892% | 2,181 |
| Core capital (leverage) ratio | 10.5838% | 2,855 |
| Tier 1 risk-based capital ratio | 10.9069% | 5,944 |
| Total risk-based capital ratio | 11.8670% | 5,999 |
| Memoranda: |
| Average total assets | $430,742,400 | 1,546 |
| Average earning assets | $406,492,000 | 1,506 |
| Average equity | $49,643,600 | 1,454 |
| Average total loans | $298,657,600 | 1,434 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0413% | 3,592 |
| Cost of funding earning assets | 0.6013% | 1,815 |
| Net interest margin | 3.4400% | 4,067 |
| Noninterest income to average assets | 0.5792% | 2,999 |
| Noninterest expense to average assets | 2.0731% | 5,636 |
| Loan and lease loss provision to assets | 0.2121% | 1,089 |
| Net operating income to assets | 1.4634% | 1,001 |
| Return on assets (ROA) | 1.4714% | 1,023 |
| Pretax return on assets | 1.5483% | 1,488 |
| Return on Equity (ROE) | 12.8439% | 1,250 |
| Retained earnings to average equity (ytd only) | 10.1170% | 673 |
| Net charge-offs to loans | 0.7270% | 470 |
| Credit loss provision to net charge-offs | 42.2264% | 3,253 |
| Earnings coverage of net charge-offs (x) | 3.4876% | 3,651 |
| Efficiency ratio | 53.6018% | 5,866 |
| Assets per employee ($millions) | 5.4488% | 1,775 |
| Cash dividends to net income (ytd only)* | 21.2314% | 3,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2606% | 3,876 |
| Loan loss allowance to noncurrent loans | 234.0169% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 4,668 |
| Noncurrent loans to loans | 0.5387% | 4,321 |
| Net loans and leases to total assets | 68.8579% | 2,401 |
| Net loans and leases to deposits | 86.0827% | 1,896 |
| Net loans and leases to core deposits | 94.6326% | 1,792 |
| Total domestic deposits to total assets | 79.9905% | 5,102 |
| Equity capital to assets | 11.7262% | 2,290 |
| Core capital (leverage) ratio | 10.8579% | 2,625 |
| Tier 1 risk-based capital ratio | 11.1191% | 5,947 |
| Total risk-based capital ratio | 12.0515% | 6,039 |
| Memoranda: |
| Average total assets | $426,791,500 | 1,569 |
| Average earning assets | $402,699,250 | 1,526 |
| Average equity | $48,893,500 | 1,475 |
| Average total loans | $294,903,750 | 1,454 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0484% | 3,552 |
| Cost of funding earning assets | 0.6090% | 1,822 |
| Net interest margin | 3.4393% | 4,017 |
| Noninterest income to average assets | 0.5797% | 2,932 |
| Noninterest expense to average assets | 2.0951% | 5,635 |
| Loan and lease loss provision to assets | 0.2147% | 1,095 |
| Net operating income to assets | 1.4435% | 975 |
| Return on assets (ROA) | 1.4557% | 996 |
| Pretax return on assets | 1.5325% | 1,450 |
| Return on Equity (ROE) | 12.8118% | 1,229 |
| Retained earnings to average equity (ytd only) | 12.8118% | 355 |
| Net charge-offs to loans | 1.0234% | 345 |
| Credit loss provision to net charge-offs | 30.4640% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.4607% | 3,540 |
| Efficiency ratio | 54.1032% | 5,901 |
| Assets per employee ($millions) | 5.2316% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2705% | 4,023 |
| Loan loss allowance to noncurrent loans | 228.2346% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 4,724 |
| Noncurrent loans to loans | 0.5567% | 4,348 |
| Net loans and leases to total assets | 68.3829% | 2,352 |
| Net loans and leases to deposits | 84.4334% | 1,987 |
| Net loans and leases to core deposits | 90.3875% | 2,093 |
| Total domestic deposits to total assets | 80.9904% | 4,983 |
| Equity capital to assets | 11.8158% | 2,138 |
| Core capital (leverage) ratio | 10.9771% | 2,450 |
| Tier 1 risk-based capital ratio | 11.3263% | 5,891 |
| Total risk-based capital ratio | 12.2639% | 5,985 |
| Memoranda: |
| Average total assets | $421,937,000 | 1,581 |
| Average earning assets | $398,680,330 | 1,539 |
| Average equity | $47,940,000 | 1,495 |
| Average total loans | $290,609,000 | 1,475 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0571% | 3,442 |
| Cost of funding earning assets | 0.6238% | 1,782 |
| Net interest margin | 3.4334% | 3,970 |
| Noninterest income to average assets | 0.5229% | 3,248 |
| Noninterest expense to average assets | 2.2284% | 5,391 |
| Loan and lease loss provision to assets | 0.2161% | 1,059 |
| Net operating income to assets | 1.2603% | 1,321 |
| Return on assets (ROA) | 1.2849% | 1,301 |
| Pretax return on assets | 1.3508% | 1,910 |
| Return on Equity (ROE) | 11.5450% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.5450% | 667 |
| Net charge-offs to loans | 1.9823% | 135 |
| Credit loss provision to net charge-offs | 15.8708% | 2,547 |
| Earnings coverage of net charge-offs (x) | 1.1320% | 3,171 |
| Efficiency ratio | 58.4834% | 5,600 |
| Assets per employee ($millions) | 4.9578% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2554% | 4,352 |
| Loan loss allowance to noncurrent loans | 311.2931% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 5,171 |
| Noncurrent loans to loans | 0.4033% | 4,925 |
| Net loans and leases to total assets | 67.4009% | 2,318 |
| Net loans and leases to deposits | 79.5275% | 2,365 |
| Net loans and leases to core deposits | 88.7174% | 2,023 |
| Total domestic deposits to total assets | 84.7517% | 3,970 |
| Equity capital to assets | 11.3564% | 2,370 |
| Core capital (leverage) ratio | 10.6181% | 2,789 |
| Tier 1 risk-based capital ratio | 11.2924% | 6,024 |
| Total risk-based capital ratio | 12.2222% | 6,115 |
| Memoranda: |
| Average total assets | $418,409,000 | 1,600 |
| Average earning assets | $395,648,000 | 1,562 |
| Average equity | $46,565,500 | 1,538 |
| Average total loans | $287,347,000 | 1,493 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1098% | 3,695 |
| Cost of funding earning assets | 0.7021% | 1,798 |
| Net interest margin | 3.4077% | 4,246 |
| Noninterest income to average assets | 0.6634% | 2,739 |
| Noninterest expense to average assets | 2.1375% | 5,753 |
| Loan and lease loss provision to assets | 0.1601% | 2,280 |
| Net operating income to assets | 1.4951% | 834 |
| Return on assets (ROA) | 1.5091% | 845 |
| Pretax return on assets | 1.5896% | 1,197 |
| Return on Equity (ROE) | 13.3107% | 1,107 |
| Retained earnings to average equity (ytd only) | 6.1404% | 1,891 |
| Net charge-offs to loans | 0.1018% | 3,812 |
| Credit loss provision to net charge-offs | 229.6820% | 994 |
| Earnings coverage of net charge-offs (x) | 24.8869% | 1,348 |
| Efficiency ratio | 54.5802% | 6,087 |
| Assets per employee ($millions) | 4.8871% | 2,325 |
| Cash dividends to net income (ytd only)* | 53.8688% | 2,081 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6753% | 2,480 |
| Loan loss allowance to noncurrent loans | 196.1256% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 4,313 |
| Noncurrent loans to loans | 0.8542% | 3,845 |
| Net loans and leases to total assets | 67.9428% | 2,367 |
| Net loans and leases to deposits | 82.7705% | 2,099 |
| Net loans and leases to core deposits | 88.9802% | 2,136 |
| Total domestic deposits to total assets | 82.0858% | 4,841 |
| Equity capital to assets | 10.8987% | 2,707 |
| Core capital (leverage) ratio | 10.4191% | 2,998 |
| Tier 1 risk-based capital ratio | 11.0315% | 6,160 |
| Total risk-based capital ratio | 12.2803% | 6,102 |
| Memoranda: |
| Average total assets | $405,939,200 | 1,625 |
| Average earning assets | $382,282,200 | 1,584 |
| Average equity | $46,023,200 | 1,520 |
| Average total loans | $278,012,400 | 1,517 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1104% | 3,718 |
| Cost of funding earning assets | 0.7174% | 1,827 |
| Net interest margin | 3.3931% | 4,315 |
| Noninterest income to average assets | 0.6740% | 2,757 |
| Noninterest expense to average assets | 2.1739% | 5,667 |
| Loan and lease loss provision to assets | 0.1612% | 2,239 |
| Net operating income to assets | 1.4527% | 979 |
| Return on assets (ROA) | 1.4715% | 999 |
| Pretax return on assets | 1.5495% | 1,470 |
| Return on Equity (ROE) | 12.8510% | 1,269 |
| Retained earnings to average equity (ytd only) | 8.5231% | 1,219 |
| Net charge-offs to loans | 0.0716% | 3,910 |
| Credit loss provision to net charge-offs | 329.7297% | 783 |
| Earnings coverage of net charge-offs (x) | 34.5808% | 1,108 |
| Efficiency ratio | 55.6249% | 5,959 |
| Assets per employee ($millions) | 4.6961% | 2,586 |
| Cash dividends to net income (ytd only)* | 33.6776% | 2,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7399% | 2,486 |
| Loan loss allowance to noncurrent loans | 195.7429% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 4,343 |
| Noncurrent loans to loans | 0.8889% | 4,047 |
| Net loans and leases to total assets | 66.0997% | 2,621 |
| Net loans and leases to deposits | 78.7096% | 2,557 |
| Net loans and leases to core deposits | 85.2358% | 2,500 |
| Total domestic deposits to total assets | 83.9792% | 4,192 |
| Equity capital to assets | 11.2476% | 2,514 |
| Core capital (leverage) ratio | 10.6318% | 2,857 |
| Tier 1 risk-based capital ratio | 11.5832% | 6,017 |
| Total risk-based capital ratio | 12.8338% | 5,982 |
| Memoranda: |
| Average total assets | $403,572,250 | 1,645 |
| Average earning assets | $379,511,250 | 1,599 |
| Average equity | $46,210,500 | 1,527 |
| Average total loans | $275,753,500 | 1,532 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0892% | 3,781 |
| Cost of funding earning assets | 0.7305% | 1,839 |
| Net interest margin | 3.3587% | 4,346 |
| Noninterest income to average assets | 0.6708% | 2,789 |
| Noninterest expense to average assets | 2.1512% | 5,741 |
| Loan and lease loss provision to assets | 0.1617% | 2,308 |
| Net operating income to assets | 1.4431% | 997 |
| Return on assets (ROA) | 1.4715% | 1,026 |
| Pretax return on assets | 1.5476% | 1,492 |
| Return on Equity (ROE) | 12.7742% | 1,294 |
| Retained earnings to average equity (ytd only) | 6.2942% | 2,266 |
| Net charge-offs to loans | 0.0819% | 3,550 |
| Credit loss provision to net charge-offs | 287.6106% | 896 |
| Earnings coverage of net charge-offs (x) | 29.8673% | 1,150 |
| Efficiency ratio | 55.5209% | 6,017 |
| Assets per employee ($millions) | 4.4824% | 2,838 |
| Cash dividends to net income (ytd only)* | 50.7271% | 1,848 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7165% | 2,719 |
| Loan loss allowance to noncurrent loans | 183.8073% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 4,345 |
| Noncurrent loans to loans | 0.9339% | 4,059 |
| Net loans and leases to total assets | 66.7968% | 2,450 |
| Net loans and leases to deposits | 79.5893% | 2,387 |
| Net loans and leases to core deposits | 86.2407% | 2,310 |
| Total domestic deposits to total assets | 83.9268% | 4,350 |
| Equity capital to assets | 10.7654% | 2,981 |
| Core capital (leverage) ratio | 10.3292% | 3,068 |
| Tier 1 risk-based capital ratio | 11.3413% | 6,178 |
| Total risk-based capital ratio | 12.5915% | 6,150 |
| Memoranda: |
| Average total assets | $401,910,670 | 1,649 |
| Average earning assets | $378,118,330 | 1,607 |
| Average equity | $46,296,330 | 1,526 |
| Average total loans | $276,059,000 | 1,530 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0877% | 3,774 |
| Cost of funding earning assets | 0.7314% | 1,989 |
| Net interest margin | 3.3563% | 4,288 |
| Noninterest income to average assets | 0.6406% | 2,929 |
| Noninterest expense to average assets | 2.1597% | 5,781 |
| Loan and lease loss provision to assets | 0.1616% | 2,253 |
| Net operating income to assets | 1.4031% | 1,017 |
| Return on assets (ROA) | 1.4031% | 1,106 |
| Pretax return on assets | 1.4725% | 1,641 |
| Return on Equity (ROE) | 11.7988% | 1,473 |
| Retained earnings to average equity (ytd only) | 11.7988% | 729 |
| Net charge-offs to loans | 0.0316% | 3,589 |
| Credit loss provision to net charge-offs | 740.9091% | 391 |
| Earnings coverage of net charge-offs (x) | 74.9091% | 497 |
| Efficiency ratio | 56.2990% | 6,032 |
| Assets per employee ($millions) | 5.1532% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6565% | 3,175 |
| Loan loss allowance to noncurrent loans | 299.7384% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 5,168 |
| Noncurrent loans to loans | 0.5527% | 5,056 |
| Net loans and leases to total assets | 66.8335% | 2,221 |
| Net loans and leases to deposits | 80.3606% | 2,033 |
| Net loans and leases to core deposits | 85.3322% | 2,176 |
| Total domestic deposits to total assets | 83.1669% | 4,803 |
| Equity capital to assets | 11.8216% | 2,159 |
| Core capital (leverage) ratio | 10.5632% | 2,694 |
| Tier 1 risk-based capital ratio | 11.1849% | 6,322 |
| Total risk-based capital ratio | 12.4351% | 6,302 |
| Memoranda: |
| Average total assets | $403,397,500 | 1,659 |
| Average earning assets | $378,991,500 | 1,612 |
| Average equity | $47,971,000 | 1,503 |
| Average total loans | $278,523,000 | 1,532 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5580% | 3,177 |
| Cost of funding earning assets | 0.8426% | 2,345 |
| Net interest margin | 3.7154% | 3,582 |
| Noninterest income to average assets | 0.7605% | 2,444 |
| Noninterest expense to average assets | 2.2732% | 5,761 |
| Loan and lease loss provision to assets | 0.1671% | 3,525 |
| Net operating income to assets | 1.7212% | 592 |
| Return on assets (ROA) | 1.7296% | 653 |
| Pretax return on assets | 1.8156% | 890 |
| Return on Equity (ROE) | 14.0312% | 985 |
| Retained earnings to average equity (ytd only) | 6.5980% | 1,764 |
| Net charge-offs to loans | 0.1075% | 4,593 |
| Credit loss provision to net charge-offs | 214.5329% | 1,181 |
| Earnings coverage of net charge-offs (x) | 25.3426% | 1,139 |
| Efficiency ratio | 52.9094% | 6,379 |
| Assets per employee ($millions) | 5.0594% | 2,150 |
| Cash dividends to net income (ytd only)* | 52.9760% | 2,168 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5843% | 3,386 |
| Loan loss allowance to noncurrent loans | 543.6965% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 5,686 |
| Noncurrent loans to loans | 0.2914% | 5,753 |
| Net loans and leases to total assets | 69.0382% | 2,025 |
| Net loans and leases to deposits | 83.1392% | 1,865 |
| Net loans and leases to core deposits | 88.1074% | 2,074 |
| Total domestic deposits to total assets | 83.0392% | 4,709 |
| Equity capital to assets | 11.9632% | 2,064 |
| Core capital (leverage) ratio | 10.3484% | 2,947 |
| Tier 1 risk-based capital ratio | 11.0577% | 6,325 |
| Total risk-based capital ratio | 12.2993% | 6,299 |
| Memoranda: |
| Average total assets | $371,058,800 | 1,754 |
| Average earning assets | $348,203,200 | 1,713 |
| Average equity | $45,740,800 | 1,522 |
| Average total loans | $268,895,400 | 1,546 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6535% | 2,997 |
| Cost of funding earning assets | 0.8669% | 2,415 |
| Net interest margin | 3.7865% | 3,394 |
| Noninterest income to average assets | 0.7386% | 2,534 |
| Noninterest expense to average assets | 2.3493% | 5,546 |
| Loan and lease loss provision to assets | 0.1704% | 3,424 |
| Net operating income to assets | 1.6860% | 703 |
| Return on assets (ROA) | 1.6975% | 760 |
| Pretax return on assets | 1.7821% | 1,089 |
| Return on Equity (ROE) | 13.6597% | 1,183 |
| Retained earnings to average equity (ytd only) | 6.7311% | 2,262 |
| Net charge-offs to loans | 0.1043% | 4,350 |
| Credit loss provision to net charge-offs | 223.5577% | 1,242 |
| Earnings coverage of net charge-offs (x) | 25.4612% | 1,248 |
| Efficiency ratio | 54.1425% | 6,239 |
| Assets per employee ($millions) | 4.8604% | 2,368 |
| Cash dividends to net income (ytd only)* | 50.7231% | 1,660 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6062% | 3,494 |
| Loan loss allowance to noncurrent loans | 233.9582% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 5,127 |
| Noncurrent loans to loans | 0.6865% | 5,067 |
| Net loans and leases to total assets | 70.5817% | 1,805 |
| Net loans and leases to deposits | 85.7568% | 1,628 |
| Net loans and leases to core deposits | 90.8596% | 1,885 |
| Total domestic deposits to total assets | 82.3046% | 4,918 |
| Equity capital to assets | 12.3390% | 2,004 |
| Core capital (leverage) ratio | 10.7018% | 2,697 |
| Tier 1 risk-based capital ratio | 11.3192% | 6,345 |
| Total risk-based capital ratio | 12.5696% | 6,309 |
| Memoranda: |
| Average total assets | $363,900,500 | 1,815 |
| Average earning assets | $341,270,750 | 1,765 |
| Average equity | $45,222,000 | 1,552 |
| Average total loans | $266,023,750 | 1,567 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6978% | 2,921 |
| Cost of funding earning assets | 0.8927% | 2,456 |
| Net interest margin | 3.8051% | 3,332 |
| Noninterest income to average assets | 0.7352% | 2,495 |
| Noninterest expense to average assets | 2.3666% | 5,576 |
| Loan and lease loss provision to assets | 0.1728% | 3,377 |
| Net operating income to assets | 1.6786% | 703 |
| Return on assets (ROA) | 1.6855% | 779 |
| Pretax return on assets | 1.7691% | 1,097 |
| Return on Equity (ROE) | 13.5293% | 1,227 |
| Retained earnings to average equity (ytd only) | 7.2657% | 1,971 |
| Net charge-offs to loans | 0.1076% | 4,108 |
| Credit loss provision to net charge-offs | 218.3099% | 1,301 |
| Earnings coverage of net charge-offs (x) | 24.4437% | 1,219 |
| Efficiency ratio | 54.3864% | 6,282 |
| Assets per employee ($millions) | 4.6337% | 2,661 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,904 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5949% | 3,624 |
| Loan loss allowance to noncurrent loans | 199.1159% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 5,014 |
| Noncurrent loans to loans | 0.8010% | 4,906 |
| Net loans and leases to total assets | 72.1233% | 1,536 |
| Net loans and leases to deposits | 89.4175% | 1,204 |
| Net loans and leases to core deposits | 94.7272% | 1,532 |
| Total domestic deposits to total assets | 80.6590% | 5,571 |
| Equity capital to assets | 12.4954% | 1,819 |
| Core capital (leverage) ratio | 10.7554% | 2,537 |
| Tier 1 risk-based capital ratio | 11.4376% | 6,254 |
| Total risk-based capital ratio | 12.6879% | 6,230 |
| Memoranda: |
| Average total assets | $358,829,000 | 1,833 |
| Average earning assets | $336,286,670 | 1,790 |
| Average equity | $44,703,000 | 1,562 |
| Average total loans | $264,047,000 | 1,583 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7300% | 2,930 |
| Cost of funding earning assets | 0.9182% | 2,539 |
| Net interest margin | 3.8118% | 3,338 |
| Noninterest income to average assets | 0.7781% | 2,264 |
| Noninterest expense to average assets | 2.5348% | 5,042 |
| Loan and lease loss provision to assets | 0.1745% | 3,222 |
| Net operating income to assets | 1.5781% | 898 |
| Return on assets (ROA) | 1.5878% | 988 |
| Pretax return on assets | 1.6599% | 1,403 |
| Return on Equity (ROE) | 12.7648% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.7648% | 721 |
| Net charge-offs to loans | 0.0290% | 4,279 |
| Credit loss provision to net charge-offs | 815.7895% | 428 |
| Earnings coverage of net charge-offs (x) | 85.2632% | 400 |
| Efficiency ratio | 57.5304% | 5,970 |
| Assets per employee ($millions) | 4.6378% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5846% | 3,784 |
| Loan loss allowance to noncurrent loans | 182.0403% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 5,023 |
| Noncurrent loans to loans | 0.8705% | 4,927 |
| Net loans and leases to total assets | 71.9908% | 1,402 |
| Net loans and leases to deposits | 87.2970% | 1,251 |
| Net loans and leases to core deposits | 95.4505% | 1,336 |
| Total domestic deposits to total assets | 82.4665% | 5,138 |
| Equity capital to assets | 12.2482% | 1,881 |
| Core capital (leverage) ratio | 11.0319% | 2,238 |
| Tier 1 risk-based capital ratio | 11.6881% | 6,170 |
| Total risk-based capital ratio | 12.9387% | 6,145 |
| Memoranda: |
| Average total assets | $355,212,500 | 1,864 |
| Average earning assets | $333,698,500 | 1,812 |
| Average equity | $44,184,000 | 1,571 |
| Average total loans | $261,923,000 | 1,601 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1447% | 2,269 |
| Cost of funding earning assets | 1.1031% | 2,656 |
| Net interest margin | 4.0415% | 2,675 |
| Noninterest income to average assets | 0.7065% | 2,564 |
| Noninterest expense to average assets | 2.3962% | 5,785 |
| Loan and lease loss provision to assets | 0.1971% | 4,217 |
| Net operating income to assets | 1.7737% | 482 |
| Return on assets (ROA) | 1.7781% | 523 |
| Pretax return on assets | 1.8738% | 702 |
| Return on Equity (ROE) | 14.7969% | 783 |
| Retained earnings to average equity (ytd only) | 6.1716% | 1,918 |
| Net charge-offs to loans | 0.0676% | 5,631 |
| Credit loss provision to net charge-offs | 386.3636% | 606 |
| Earnings coverage of net charge-offs (x) | 40.4943% | 666 |
| Efficiency ratio | 53.0600% | 6,607 |
| Assets per employee ($millions) | 4.3549% | 3,149 |
| Cash dividends to net income (ytd only)* | 58.2912% | 1,639 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6069% | 3,559 |
| Loan loss allowance to noncurrent loans | 572.5627% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 6,118 |
| Noncurrent loans to loans | 0.2807% | 6,163 |
| Net loans and leases to total assets | 73.1673% | 1,421 |
| Net loans and leases to deposits | 89.4804% | 1,209 |
| Net loans and leases to core deposits | 96.4770% | 1,457 |
| Total domestic deposits to total assets | 81.7690% | 5,202 |
| Equity capital to assets | 12.6417% | 1,710 |
| Core capital (leverage) ratio | 10.7080% | 2,516 |
| Tier 1 risk-based capital ratio | 11.9704% | 5,858 |
| Total risk-based capital ratio | 13.2218% | 5,830 |
| Memoranda: |
| Average total assets | $344,921,600 | 1,880 |
| Average earning assets | $320,545,800 | 1,838 |
| Average equity | $41,448,000 | 1,620 |
| Average total loans | $260,405,400 | 1,616 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2380% | 2,070 |
| Cost of funding earning assets | 1.1335% | 2,752 |
| Net interest margin | 4.1045% | 2,454 |
| Noninterest income to average assets | 0.6926% | 2,649 |
| Noninterest expense to average assets | 2.3989% | 5,765 |
| Loan and lease loss provision to assets | 0.1970% | 4,052 |
| Net operating income to assets | 1.8109% | 512 |
| Return on assets (ROA) | 1.8168% | 544 |
| Pretax return on assets | 1.9091% | 763 |
| Return on Equity (ROE) | 15.3175% | 785 |
| Retained earnings to average equity (ytd only) | 9.4549% | 996 |
| Net charge-offs to loans | 0.0464% | 5,525 |
| Credit loss provision to net charge-offs | 560.4396% | 495 |
| Earnings coverage of net charge-offs (x) | 59.7364% | 555 |
| Efficiency ratio | 52.6962% | 6,618 |
| Assets per employee ($millions) | 4.4907% | 2,936 |
| Cash dividends to net income (ytd only)* | 38.2734% | 2,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5649% | 3,823 |
| Loan loss allowance to noncurrent loans | 361.0762% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 5,934 |
| Noncurrent loans to loans | 0.4334% | 5,973 |
| Net loans and leases to total assets | 73.2392% | 1,464 |
| Net loans and leases to deposits | 89.3364% | 1,284 |
| Net loans and leases to core deposits | 99.6761% | 1,276 |
| Total domestic deposits to total assets | 81.9813% | 5,098 |
| Equity capital to assets | 12.5948% | 1,854 |
| Core capital (leverage) ratio | 10.9271% | 2,451 |
| Tier 1 risk-based capital ratio | 12.1319% | 5,793 |
| Total risk-based capital ratio | 13.3828% | 5,785 |
| Memoranda: |
| Average total assets | $345,143,250 | 1,880 |
| Average earning assets | $320,061,750 | 1,850 |
| Average equity | $40,937,000 | 1,642 |
| Average total loans | $261,548,750 | 1,622 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2347% | 2,124 |
| Cost of funding earning assets | 1.1621% | 2,837 |
| Net interest margin | 4.0725% | 2,519 |
| Noninterest income to average assets | 0.6772% | 2,667 |
| Noninterest expense to average assets | 2.4643% | 5,653 |
| Loan and lease loss provision to assets | 0.1971% | 3,959 |
| Net operating income to assets | 1.7101% | 584 |
| Return on assets (ROA) | 1.7128% | 630 |
| Pretax return on assets | 1.8021% | 880 |
| Return on Equity (ROE) | 14.7458% | 844 |
| Retained earnings to average equity (ytd only) | 8.2564% | 1,365 |
| Net charge-offs to loans | 0.0502% | 5,153 |
| Credit loss provision to net charge-offs | 515.1515% | 593 |
| Earnings coverage of net charge-offs (x) | 52.1667% | 610 |
| Efficiency ratio | 54.6081% | 6,560 |
| Assets per employee ($millions) | 4.5363% | 2,775 |
| Cash dividends to net income (ytd only)* | 44.0081% | 1,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4700% | 4,258 |
| Loan loss allowance to noncurrent loans | 450.2320% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 6,160 |
| Noncurrent loans to loans | 0.3265% | 6,260 |
| Net loans and leases to total assets | 74.4728% | 1,331 |
| Net loans and leases to deposits | 93.2305% | 926 |
| Net loans and leases to core deposits | 104.8480% | 994 |
| Total domestic deposits to total assets | 79.8803% | 5,853 |
| Equity capital to assets | 11.8943% | 2,170 |
| Core capital (leverage) ratio | 10.4554% | 2,758 |
| Tier 1 risk-based capital ratio | 11.6507% | 6,049 |
| Total risk-based capital ratio | 12.9011% | 6,045 |
| Memoranda: |
| Average total assets | $344,929,330 | 1,890 |
| Average earning assets | $320,441,330 | 1,861 |
| Average equity | $40,065,670 | 1,673 |
| Average total loans | $262,973,000 | 1,636 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2156% | 2,167 |
| Cost of funding earning assets | 1.2053% | 2,780 |
| Net interest margin | 4.0102% | 2,646 |
| Noninterest income to average assets | 0.6675% | 2,743 |
| Noninterest expense to average assets | 2.6247% | 5,135 |
| Loan and lease loss provision to assets | 0.1984% | 3,646 |
| Net operating income to assets | 1.4823% | 904 |
| Return on assets (ROA) | 1.4856% | 939 |
| Pretax return on assets | 1.5638% | 1,270 |
| Return on Equity (ROE) | 12.9483% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.9483% | 598 |
| Net charge-offs to loans | 0.0305% | 4,670 |
| Credit loss provision to net charge-offs | 850.0000% | 452 |
| Earnings coverage of net charge-offs (x) | 75.3500% | 413 |
| Efficiency ratio | 59.2386% | 6,091 |
| Assets per employee ($millions) | 4.5423% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4040% | 4,650 |
| Loan loss allowance to noncurrent loans | 558.2467% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 6,336 |
| Noncurrent loans to loans | 0.2515% | 6,483 |
| Net loans and leases to total assets | 75.4349% | 1,121 |
| Net loans and leases to deposits | 91.9598% | 1,025 |
| Net loans and leases to core deposits | 104.2273% | 1,048 |
| Total domestic deposits to total assets | 82.0304% | 5,305 |
| Equity capital to assets | 11.4865% | 2,286 |
| Core capital (leverage) ratio | 10.5332% | 2,578 |
| Tier 1 risk-based capital ratio | 11.4545% | 6,140 |
| Total risk-based capital ratio | 12.6811% | 6,138 |
| Memoranda: |
| Average total assets | $342,747,000 | 1,916 |
| Average earning assets | $317,588,000 | 1,885 |
| Average equity | $39,325,500 | 1,687 |
| Average total loans | $262,454,500 | 1,660 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4779% | 2,364 |
| Cost of funding earning assets | 1.4583% | 2,904 |
| Net interest margin | 4.0196% | 2,927 |
| Noninterest income to average assets | 0.8013% | 2,276 |
| Noninterest expense to average assets | 2.6098% | 5,375 |
| Loan and lease loss provision to assets | 0.2525% | 4,775 |
| Net operating income to assets | 1.5772% | 648 |
| Return on assets (ROA) | 1.5518% | 747 |
| Pretax return on assets | 1.6260% | 1,078 |
| Return on Equity (ROE) | 13.4205% | 998 |
| Retained earnings to average equity (ytd only) | 7.4351% | 1,167 |
| Net charge-offs to loans | 0.1440% | 5,495 |
| Credit loss provision to net charge-offs | 230.5556% | 1,277 |
| Earnings coverage of net charge-offs (x) | 17.3972% | 1,152 |
| Efficiency ratio | 57.1486% | 6,442 |
| Assets per employee ($millions) | 4.2498% | 3,292 |
| Cash dividends to net income (ytd only)* | 44.5991% | 2,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4018% | 4,498 |
| Loan loss allowance to noncurrent loans | 449.7506% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 6,266 |
| Noncurrent loans to loans | 0.3117% | 6,434 |
| Net loans and leases to total assets | 75.5669% | 1,358 |
| Net loans and leases to deposits | 92.4234% | 1,219 |
| Net loans and leases to core deposits | 104.2132% | 1,299 |
| Total domestic deposits to total assets | 81.7616% | 5,257 |
| Equity capital to assets | 11.4602% | 2,294 |
| Core capital (leverage) ratio | 10.1827% | 2,886 |
| Tier 1 risk-based capital ratio | 11.5366% | 5,872 |
| Total risk-based capital ratio | 12.7681% | 5,903 |
| Memoranda: |
| Average total assets | $328,722,200 | 1,981 |
| Average earning assets | $303,713,800 | 1,957 |
| Average equity | $38,009,000 | 1,731 |
| Average total loans | $249,916,000 | 1,760 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4900% | 2,468 |
| Cost of funding earning assets | 1.5169% | 2,868 |
| Net interest margin | 3.9732% | 3,223 |
| Noninterest income to average assets | 0.7870% | 2,301 |
| Noninterest expense to average assets | 2.6546% | 5,092 |
| Loan and lease loss provision to assets | 0.2691% | 4,430 |
| Net operating income to assets | 1.4554% | 1,011 |
| Return on assets (ROA) | 1.4554% | 1,087 |
| Pretax return on assets | 1.5332% | 1,523 |
| Return on Equity (ROE) | 12.5581% | 1,373 |
| Retained earnings to average equity (ytd only) | 9.0042% | 1,051 |
| Net charge-offs to loans | 0.1414% | 5,166 |
| Credit loss provision to net charge-offs | 250.9506% | 1,323 |
| Earnings coverage of net charge-offs (x) | 16.8060% | 1,361 |
| Efficiency ratio | 58.8930% | 6,122 |
| Assets per employee ($millions) | 4.2449% | 3,364 |
| Cash dividends to net income (ytd only)* | 28.2992% | 2,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3994% | 4,462 |
| Loan loss allowance to noncurrent loans | 436.2963% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 6,252 |
| Noncurrent loans to loans | 0.3208% | 6,552 |
| Net loans and leases to total assets | 74.2507% | 1,748 |
| Net loans and leases to deposits | 94.0346% | 1,197 |
| Net loans and leases to core deposits | 107.4541% | 1,201 |
| Total domestic deposits to total assets | 78.9610% | 6,031 |
| Equity capital to assets | 11.9458% | 2,190 |
| Core capital (leverage) ratio | 10.3663% | 2,843 |
| Tier 1 risk-based capital ratio | 12.0482% | 5,420 |
| Total risk-based capital ratio | 13.2963% | 5,390 |
| Memoranda: |
| Average total assets | $326,968,500 | 2,017 |
| Average earning assets | $302,017,750 | 2,000 |
| Average equity | $37,892,250 | 1,755 |
| Average total loans | $248,066,750 | 1,794 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4911% | 2,557 |
| Cost of funding earning assets | 1.5469% | 2,976 |
| Net interest margin | 3.9442% | 3,262 |
| Noninterest income to average assets | 0.7243% | 2,553 |
| Noninterest expense to average assets | 2.6368% | 5,183 |
| Loan and lease loss provision to assets | 0.1943% | 4,937 |
| Net operating income to assets | 1.4609% | 977 |
| Return on assets (ROA) | 1.4609% | 1,039 |
| Pretax return on assets | 1.5362% | 1,460 |
| Return on Equity (ROE) | 12.7416% | 1,303 |
| Retained earnings to average equity (ytd only) | 10.4279% | 761 |
| Net charge-offs to loans | 0.1444% | 4,782 |
| Credit loss provision to net charge-offs | 176.9663% | 2,213 |
| Earnings coverage of net charge-offs (x) | 15.7584% | 1,439 |
| Efficiency ratio | 59.6836% | 6,102 |
| Assets per employee ($millions) | 4.2831% | 3,246 |
| Cash dividends to net income (ytd only)* | 18.1588% | 2,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3125% | 4,841 |
| Loan loss allowance to noncurrent loans | 238.1091% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 5,813 |
| Noncurrent loans to loans | 0.5512% | 6,148 |
| Net loans and leases to total assets | 74.6436% | 1,778 |
| Net loans and leases to deposits | 96.7688% | 981 |
| Net loans and leases to core deposits | 107.4420% | 1,346 |
| Total domestic deposits to total assets | 77.1361% | 6,471 |
| Equity capital to assets | 11.6839% | 2,293 |
| Core capital (leverage) ratio | 10.3716% | 2,744 |
| Tier 1 risk-based capital ratio | 11.9924% | 5,320 |
| Total risk-based capital ratio | 13.1876% | 5,339 |
| Memoranda: |
| Average total assets | $324,175,000 | 2,048 |
| Average earning assets | $299,429,670 | 2,031 |
| Average equity | $37,169,670 | 1,790 |
| Average total loans | $246,578,000 | 1,828 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4895% | 2,637 |
| Cost of funding earning assets | 1.5864% | 3,039 |
| Net interest margin | 3.9031% | 3,313 |
| Noninterest income to average assets | 0.6908% | 2,660 |
| Noninterest expense to average assets | 2.9064% | 4,036 |
| Loan and lease loss provision to assets | 0.1929% | 4,570 |
| Net operating income to assets | 1.1252% | 1,753 |
| Return on assets (ROA) | 1.1252% | 1,833 |
| Pretax return on assets | 1.1837% | 2,421 |
| Return on Equity (ROE) | 9.9101% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.9101% | 1,160 |
| Net charge-offs to loans | 0.2464% | 3,469 |
| Credit loss provision to net charge-offs | 102.6490% | 3,324 |
| Earnings coverage of net charge-offs (x) | 7.3245% | 2,106 |
| Efficiency ratio | 67.1607% | 4,884 |
| Assets per employee ($millions) | 4.0941% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2801% | 5,046 |
| Loan loss allowance to noncurrent loans | 975.4658% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 6,555 |
| Noncurrent loans to loans | 0.1312% | 7,075 |
| Net loans and leases to total assets | 75.8520% | 1,579 |
| Net loans and leases to deposits | 95.4491% | 1,173 |
| Net loans and leases to core deposits | 103.5092% | 1,782 |
| Total domestic deposits to total assets | 79.4685% | 5,963 |
| Equity capital to assets | 11.6190% | 2,283 |
| Core capital (leverage) ratio | 10.2266% | 2,901 |
| Tier 1 risk-based capital ratio | 11.8412% | 5,360 |
| Total risk-based capital ratio | 13.0110% | 5,379 |
| Memoranda: |
| Average total assets | $321,365,000 | 2,117 |
| Average earning assets | $295,764,500 | 2,108 |
| Average equity | $36,488,000 | 1,845 |
| Average total loans | $245,144,500 | 1,892 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6301% | 3,443 |
| Cost of funding earning assets | 1.9600% | 3,156 |
| Net interest margin | 3.6701% | 4,253 |
| Noninterest income to average assets | 0.7112% | 2,893 |
| Noninterest expense to average assets | 2.4929% | 6,158 |
| Loan and lease loss provision to assets | 0.2358% | 5,483 |
| Net operating income to assets | 1.3037% | 1,026 |
| Return on assets (ROA) | 1.3037% | 1,070 |
| Pretax return on assets | 1.3591% | 1,533 |
| Return on Equity (ROE) | 11.8929% | 1,190 |
| Retained earnings to average equity (ytd only) | 6.9700% | 969 |
| Net charge-offs to loans | 0.2891% | 4,824 |
| Credit loss provision to net charge-offs | 108.7591% | 5,085 |
| Earnings coverage of net charge-offs (x) | 7.3562% | 2,170 |
| Efficiency ratio | 60.2323% | 6,451 |
| Assets per employee ($millions) | 3.8963% | 4,030 |
| Cash dividends to net income (ytd only)* | 41.3935% | 2,859 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2808% | 4,868 |
| Loan loss allowance to noncurrent loans | 230.3231% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 5,944 |
| Noncurrent loans to loans | 0.5561% | 6,132 |
| Net loans and leases to total assets | 74.7658% | 2,084 |
| Net loans and leases to deposits | 94.6655% | 1,506 |
| Net loans and leases to core deposits | 110.1952% | 2,875 |
| Total domestic deposits to total assets | 78.9790% | 5,986 |
| Equity capital to assets | 11.0925% | 2,630 |
| Core capital (leverage) ratio | 9.9787% | 3,113 |
| Tier 1 risk-based capital ratio | 11.4673% | 5,430 |
| Total risk-based capital ratio | 12.6327% | 5,486 |
| Memoranda: |
| Average total assets | $315,936,200 | 2,126 |
| Average earning assets | $290,669,400 | 2,124 |
| Average equity | $34,634,200 | 1,941 |
| Average total loans | $236,902,600 | 1,978 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6426% | 3,618 |
| Cost of funding earning assets | 2.0320% | 3,207 |
| Net interest margin | 3.6106% | 4,440 |
| Noninterest income to average assets | 0.7811% | 2,540 |
| Noninterest expense to average assets | 2.6460% | 5,539 |
| Loan and lease loss provision to assets | 0.1278% | 6,072 |
| Net operating income to assets | 1.2680% | 1,295 |
| Return on assets (ROA) | 1.2680% | 1,367 |
| Pretax return on assets | 1.3338% | 1,865 |
| Return on Equity (ROE) | 11.6026% | 1,468 |
| Retained earnings to average equity (ytd only) | 10.6121% | 529 |
| Net charge-offs to loans | 0.1657% | 5,062 |
| Credit loss provision to net charge-offs | 103.0822% | 4,939 |
| Earnings coverage of net charge-offs (x) | 11.7912% | 1,822 |
| Efficiency ratio | 63.6833% | 5,812 |
| Assets per employee ($millions) | 3.7831% | 4,217 |
| Cash dividends to net income (ytd only)* | 8.5369% | 3,555 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3044% | 4,479 |
| Loan loss allowance to noncurrent loans | 150.5366% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 5,828 |
| Noncurrent loans to loans | 0.8665% | 5,559 |
| Net loans and leases to total assets | 74.3662% | 2,426 |
| Net loans and leases to deposits | 94.1272% | 1,867 |
| Net loans and leases to core deposits | 109.7328% | 3,268 |
| Total domestic deposits to total assets | 79.0060% | 5,801 |
| Equity capital to assets | 11.5935% | 2,511 |
| Core capital (leverage) ratio | 10.2766% | 2,998 |
| Tier 1 risk-based capital ratio | 12.0051% | 4,973 |
| Total risk-based capital ratio | 13.1942% | 4,963 |
| Memoranda: |
| Average total assets | $314,072,500 | 2,151 |
| Average earning assets | $289,361,000 | 2,141 |
| Average equity | $34,324,750 | 1,983 |
| Average total loans | $234,897,500 | 2,020 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6805% | 3,658 |
| Cost of funding earning assets | 2.0945% | 3,296 |
| Net interest margin | 3.5861% | 4,424 |
| Noninterest income to average assets | 0.7609% | 2,645 |
| Noninterest expense to average assets | 2.6629% | 5,503 |
| Loan and lease loss provision to assets | 0.1490% | 5,587 |
| Net operating income to assets | 1.1843% | 1,522 |
| Return on assets (ROA) | 1.1843% | 1,608 |
| Pretax return on assets | 1.2480% | 2,172 |
| Return on Equity (ROE) | 11.0609% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.0609% | 556 |
| Net charge-offs to loans | 0.1374% | 4,794 |
| Credit loss provision to net charge-offs | 145.3416% | 3,184 |
| Earnings coverage of net charge-offs (x) | 13.6273% | 1,723 |
| Efficiency ratio | 64.8526% | 5,750 |
| Assets per employee ($millions) | 3.7799% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3454% | 4,006 |
| Loan loss allowance to noncurrent loans | 166.5785% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 5,827 |
| Noncurrent loans to loans | 0.8076% | 5,615 |
| Net loans and leases to total assets | 73.6265% | 2,806 |
| Net loans and leases to deposits | 92.4907% | 2,376 |
| Net loans and leases to core deposits | 109.0193% | 3,493 |
| Total domestic deposits to total assets | 79.6042% | 5,588 |
| Equity capital to assets | 11.0059% | 2,916 |
| Core capital (leverage) ratio | 9.7709% | 3,554 |
| Tier 1 risk-based capital ratio | 11.8721% | 5,024 |
| Total risk-based capital ratio | 13.1079% | 4,952 |
| Memoranda: |
| Average total assets | $314,098,330 | 2,176 |
| Average earning assets | $288,951,000 | 2,175 |
| Average equity | $33,632,000 | 2,020 |
| Average total loans | $234,332,670 | 2,050 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6999% | 3,809 |
| Cost of funding earning assets | 2.1576% | 3,379 |
| Net interest margin | 3.5424% | 4,558 |
| Noninterest income to average assets | 0.7318% | 2,696 |
| Noninterest expense to average assets | 2.7020% | 4,995 |
| Loan and lease loss provision to assets | 0.1795% | 4,658 |
| Net operating income to assets | 1.0436% | 2,152 |
| Return on assets (ROA) | 1.0436% | 2,283 |
| Pretax return on assets | 1.1060% | 2,968 |
| Return on Equity (ROE) | 9.8844% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.8844% | 1,224 |
| Net charge-offs to loans | 0.0597% | 4,629 |
| Credit loss provision to net charge-offs | 402.8571% | 1,292 |
| Earnings coverage of net charge-offs (x) | 28.8571% | 1,089 |
| Efficiency ratio | 66.9965% | 5,146 |
| Assets per employee ($millions) | 3.7031% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3502% | 3,799 |
| Loan loss allowance to noncurrent loans | 259.4132% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 6,129 |
| Noncurrent loans to loans | 0.5205% | 6,124 |
| Net loans and leases to total assets | 73.8841% | 2,785 |
| Net loans and leases to deposits | 92.7192% | 2,481 |
| Net loans and leases to core deposits | 109.8006% | 3,459 |
| Total domestic deposits to total assets | 79.6859% | 5,473 |
| Equity capital to assets | 10.8188% | 3,157 |
| Core capital (leverage) ratio | 9.4837% | 4,006 |
| Tier 1 risk-based capital ratio | 11.8075% | 5,118 |
| Total risk-based capital ratio | 13.0579% | 5,031 |
| Memoranda: |
| Average total assets | $314,282,000 | 2,190 |
| Average earning assets | $288,845,000 | 2,187 |
| Average equity | $33,183,500 | 2,041 |
| Average total loans | $234,429,500 | 2,061 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2663% | 4,151 |
| Cost of funding earning assets | 2.7884% | 2,757 |
| Net interest margin | 3.4779% | 5,371 |
| Noninterest income to average assets | 0.7259% | 2,938 |
| Noninterest expense to average assets | 2.3971% | 6,402 |
| Loan and lease loss provision to assets | 0.1910% | 4,972 |
| Net operating income to assets | 1.2854% | 1,528 |
| Return on assets (ROA) | 1.2854% | 1,476 |
| Pretax return on assets | 1.3472% | 2,143 |
| Return on Equity (ROE) | 12.2614% | 1,533 |
| Retained earnings to average equity (ytd only) | 7.3955% | 1,022 |
| Net charge-offs to loans | 0.2065% | 4,140 |
| Credit loss provision to net charge-offs | 125.0535% | 4,275 |
| Earnings coverage of net charge-offs (x) | 10.0728% | 2,580 |
| Efficiency ratio | 60.0997% | 6,322 |
| Assets per employee ($millions) | 3.6917% | 4,192 |
| Cash dividends to net income (ytd only)* | 39.6846% | 3,655 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3200% | 3,653 |
| Loan loss allowance to noncurrent loans | 239.2691% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 5,783 |
| Noncurrent loans to loans | 0.5517% | 5,707 |
| Net loans and leases to total assets | 73.3074% | 3,283 |
| Net loans and leases to deposits | 93.5909% | 2,837 |
| Net loans and leases to core deposits | 111.7270% | 3,593 |
| Total domestic deposits to total assets | 78.3275% | 5,603 |
| Equity capital to assets | 10.2974% | 3,713 |
| Core capital (leverage) ratio | 9.2134% | 4,422 |
| Tier 1 risk-based capital ratio | 11.2764% | 5,461 |
| Total risk-based capital ratio | 12.5001% | 5,372 |
| Memoranda: |
| Average total assets | $305,825,800 | 2,175 |
| Average earning assets | $282,208,400 | 2,159 |
| Average equity | $32,060,000 | 2,109 |
| Average total loans | $226,145,200 | 2,074 |
