| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5602% | 332 |
| Cost of funding earning assets | 1.3613% | 2,330 |
| Net interest margin | 5.1989% | 265 |
| Noninterest income to average assets | 1.1100% | 542 |
| Noninterest expense to average assets | 1.9939% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.0236% | 158 |
| Return on assets (ROA) | 2.6473% | 213 |
| Pretax return on assets | 3.3570% | 157 |
| Return on Equity (ROE) | 16.2800% | 1,055 |
| Retained earnings to average equity (ytd only) | 8.5441% | 1,381 |
| Net charge-offs to loans | 0.3597% | 301 |
| Credit loss provision to net charge-offs | -104.5790% | 4,480 |
| Earnings coverage of net charge-offs (x) | 15.7578% | 2,035 |
| Efficiency ratio | 34.2172% | 4,462 |
| Assets per employee ($millions) | 7.6698% | 1,609 |
| Cash dividends to net income (ytd only)* | 47.5059% | 1,751 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3624% | 227 |
| Loan loss allowance to noncurrent loans | 25,530.5556% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 2,231 |
| Noncurrent loans to loans | 0.0093% | 3,704 |
| Net loans and leases to total assets | 65.1700% | 2,350 |
| Net loans and leases to deposits | 78.0913% | 2,252 |
| Net loans and leases to core deposits | 84.4728% | 2,419 |
| Total domestic deposits to total assets | 83.4500% | 2,763 |
| Equity capital to assets | 15.5788% | 501 |
| Core capital (leverage) ratio | 15.7611% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2050% | 367 |
| Memoranda: |
| Average total assets | $556,595,200 | 1,594 |
| Average earning assets | $504,512,200 | 1,622 |
| Average equity | $90,529,800 | 1,026 |
| Average total loans | $376,453,400 | 1,528 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4035% | 340 |
| Cost of funding earning assets | 1.1767% | 2,502 |
| Net interest margin | 5.2268% | 249 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 1.9306% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.2182% | 154 |
| Return on assets (ROA) | 3.2182% | 153 |
| Pretax return on assets | 3.4364% | 165 |
| Return on Equity (ROE) | 19.5700% | 766 |
| Retained earnings to average equity (ytd only) | 19.5677% | 274 |
| Net charge-offs to loans | -0.2489% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 35.9711% | 4,445 |
| Assets per employee ($millions) | 7.6685% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2509% | 100 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,309 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.6400% | 2,373 |
| Net loans and leases to deposits | 78.5627% | 2,195 |
| Net loans and leases to core deposits | 84.8131% | 2,274 |
| Total domestic deposits to total assets | 82.2700% | 3,163 |
| Equity capital to assets | 16.6313% | 414 |
| Core capital (leverage) ratio | 17.2645% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0043% | 319 |
| Memoranda: |
| Average total assets | $550,017,000 | 1,611 |
| Average earning assets | $500,255,000 | 1,632 |
| Average equity | $90,459,750 | 1,024 |
| Average total loans | $373,303,000 | 1,537 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2875% | 316 |
| Cost of funding earning assets | 0.9952% | 2,617 |
| Net interest margin | 5.2923% | 216 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.0156% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.2006% | 134 |
| Return on assets (ROA) | 3.2006% | 132 |
| Pretax return on assets | 3.4232% | 152 |
| Return on Equity (ROE) | 19.5400% | 761 |
| Retained earnings to average equity (ytd only) | 19.5394% | 265 |
| Net charge-offs to loans | -1.0751% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.0600% | 4,450 |
| Assets per employee ($millions) | 7.2798% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6739% | 78 |
| Loan loss allowance to noncurrent loans | 5,240.2256% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 1,941 |
| Noncurrent loans to loans | 0.0701% | 3,195 |
| Net loans and leases to total assets | 66.0600% | 2,151 |
| Net loans and leases to deposits | 80.2929% | 1,951 |
| Net loans and leases to core deposits | 85.0158% | 2,141 |
| Total domestic deposits to total assets | 82.2700% | 3,174 |
| Equity capital to assets | 16.7045% | 399 |
| Core capital (leverage) ratio | 17.4968% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0423% | 311 |
| Memoranda: |
| Average total assets | $539,088,333 | 1,639 |
| Average earning assets | $489,540,333 | 1,660 |
| Average equity | $88,303,667 | 1,035 |
| Average total loans | $367,949,333 | 1,542 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2186% | 243 |
| Cost of funding earning assets | 0.8253% | 2,629 |
| Net interest margin | 5.3933% | 173 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.0278% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.2729% | 133 |
| Return on assets (ROA) | 3.2729% | 133 |
| Pretax return on assets | 3.4985% | 143 |
| Return on Equity (ROE) | 20.1900% | 738 |
| Retained earnings to average equity (ytd only) | 20.1889% | 364 |
| Net charge-offs to loans | -1.2401% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.6939% | 4,524 |
| Assets per employee ($millions) | 6.6438% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6002% | 81 |
| Loan loss allowance to noncurrent loans | 54,516.6667% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,039 |
| Noncurrent loans to loans | 0.0066% | 3,792 |
| Net loans and leases to total assets | 66.7500% | 1,982 |
| Net loans and leases to deposits | 81.3154% | 1,720 |
| Net loans and leases to core deposits | 85.2586% | 1,912 |
| Total domestic deposits to total assets | 82.0900% | 3,473 |
| Equity capital to assets | 16.8851% | 350 |
| Core capital (leverage) ratio | 16.6920% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5358% | 327 |
| Memoranda: |
| Average total assets | $532,001,000 | 1,674 |
| Average earning assets | $481,264,500 | 1,700 |
| Average equity | $86,245,500 | 1,071 |
| Average total loans | $362,219,500 | 1,575 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9506% | 331 |
| Cost of funding earning assets | 0.4189% | 1,949 |
| Net interest margin | 4.5318% | 278 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 1.8417% | 3,946 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 2.7969% | 121 |
| Return on assets (ROA) | 2.7969% | 116 |
| Pretax return on assets | 2.9066% | 140 |
| Return on Equity (ROE) | 19.0000% | 572 |
| Retained earnings to average equity (ytd only) | 11.5500% | 769 |
| Net charge-offs to loans | -0.3495% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.3480% | 4,589 |
| Assets per employee ($millions) | 7.0019% | 1,977 |
| Cash dividends to net income (ytd only)* | 39.2259% | 1,952 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3131% | 93 |
| Loan loss allowance to noncurrent loans | 18,122.7273% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 2,054 |
| Noncurrent loans to loans | 0.0183% | 3,698 |
| Net loans and leases to total assets | 64.7400% | 2,172 |
| Net loans and leases to deposits | 77.6162% | 1,988 |
| Net loans and leases to core deposits | 80.2897% | 2,115 |
| Total domestic deposits to total assets | 83.4100% | 3,334 |
| Equity capital to assets | 15.5558% | 421 |
| Core capital (leverage) ratio | 15.1577% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8504% | 337 |
| Memoranda: |
| Average total assets | $546,893,800 | 1,615 |
| Average earning assets | $492,764,800 | 1,650 |
| Average equity | $80,484,800 | 1,124 |
| Average total loans | $340,762,000 | 1,577 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6563% | 381 |
| Cost of funding earning assets | 0.3528% | 1,677 |
| Net interest margin | 4.3036% | 332 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 1.8206% | 3,941 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.8022% | 117 |
| Return on assets (ROA) | 2.8022% | 114 |
| Pretax return on assets | 2.9480% | 144 |
| Return on Equity (ROE) | 19.3100% | 499 |
| Retained earnings to average equity (ytd only) | 15.9633% | 280 |
| Net charge-offs to loans | -0.6661% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.1782% | 4,614 |
| Assets per employee ($millions) | 6.9612% | 1,974 |
| Cash dividends to net income (ytd only)* | 17.3385% | 2,583 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3205% | 98 |
| Loan loss allowance to noncurrent loans | 7,244.9367% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 2,096 |
| Noncurrent loans to loans | 0.0458% | 3,557 |
| Net loans and leases to total assets | 59.1100% | 2,596 |
| Net loans and leases to deposits | 70.2706% | 2,338 |
| Net loans and leases to core deposits | 73.0551% | 2,421 |
| Total domestic deposits to total assets | 84.1200% | 3,475 |
| Equity capital to assets | 14.8696% | 464 |
| Core capital (leverage) ratio | 14.7241% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2214% | 338 |
| Memoranda: |
| Average total assets | $548,831,250 | 1,620 |
| Average earning assets | $493,192,750 | 1,659 |
| Average equity | $79,639,000 | 1,148 |
| Average total loans | $335,697,750 | 1,585 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3994% | 438 |
| Cost of funding earning assets | 0.2753% | 1,953 |
| Net interest margin | 4.1241% | 379 |
| Noninterest income to average assets | 1.0798% | 571 |
| Noninterest expense to average assets | 1.8712% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.6788% | 93 |
| Return on assets (ROA) | 2.6788% | 88 |
| Pretax return on assets | 2.8995% | 111 |
| Return on Equity (ROE) | 18.6203% | 410 |
| Retained earnings to average equity (ytd only) | 16.0639% | 184 |
| Net charge-offs to loans | -1.9328% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2229% | 4,630 |
| Assets per employee ($millions) | 6.9117% | 1,998 |
| Cash dividends to net income (ytd only)* | 13.7287% | 2,681 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8203% | 74 |
| Loan loss allowance to noncurrent loans | 410.1390% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 816 |
| Noncurrent loans to loans | 0.9315% | 899 |
| Net loans and leases to total assets | 59.1232% | 2,429 |
| Net loans and leases to deposits | 70.0628% | 2,193 |
| Net loans and leases to core deposits | 72.9810% | 2,240 |
| Total domestic deposits to total assets | 84.3860% | 3,607 |
| Equity capital to assets | 14.6555% | 441 |
| Core capital (leverage) ratio | 15.1053% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9885% | 289 |
| Memoranda: |
| Average total assets | $543,821,333 | 1,641 |
| Average earning assets | $486,699,333 | 1,684 |
| Average equity | $78,237,333 | 1,190 |
| Average total loans | $332,684,000 | 1,592 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3585% | 404 |
| Cost of funding earning assets | 0.2479% | 2,184 |
| Net interest margin | 4.1106% | 329 |
| Noninterest income to average assets | 0.6913% | 1,339 |
| Noninterest expense to average assets | 1.7342% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.4240% | 129 |
| Return on assets (ROA) | 2.4240% | 127 |
| Pretax return on assets | 2.6466% | 146 |
| Return on Equity (ROE) | 17.0123% | 422 |
| Retained earnings to average equity (ytd only) | 17.0123% | 178 |
| Net charge-offs to loans | -2.6061% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5869% | 4,653 |
| Assets per employee ($millions) | 6.8922% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6095% | 93 |
| Loan loss allowance to noncurrent loans | 370.0000% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 615 |
| Noncurrent loans to loans | 0.9755% | 930 |
| Net loans and leases to total assets | 58.4329% | 2,252 |
| Net loans and leases to deposits | 69.0456% | 2,047 |
| Net loans and leases to core deposits | 72.2902% | 2,083 |
| Total domestic deposits to total assets | 84.6295% | 3,628 |
| Equity capital to assets | 14.3905% | 466 |
| Core capital (leverage) ratio | 14.7824% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4975% | 317 |
| Memoranda: |
| Average total assets | $539,266,000 | 1,666 |
| Average earning assets | $484,019,000 | 1,699 |
| Average equity | $76,838,500 | 1,234 |
| Average total loans | $329,078,000 | 1,588 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8135% | 351 |
| Cost of funding earning assets | 0.3307% | 2,113 |
| Net interest margin | 4.4828% | 283 |
| Noninterest income to average assets | 0.8296% | 1,379 |
| Noninterest expense to average assets | 2.0600% | 3,503 |
| Loan and lease loss provision to assets | 0.2039% | 517 |
| Net operating income to assets | 2.3825% | 181 |
| Return on assets (ROA) | 2.3825% | 186 |
| Pretax return on assets | 2.4795% | 266 |
| Return on Equity (ROE) | 16.1380% | 731 |
| Retained earnings to average equity (ytd only) | 10.0272% | 914 |
| Net charge-offs to loans | 0.4260% | 194 |
| Credit loss provision to net charge-offs | 71.5820% | 2,006 |
| Earnings coverage of net charge-offs (x) | 9.4216% | 2,260 |
| Efficiency ratio | 43.4282% | 4,591 |
| Assets per employee ($millions) | 6.6674% | 2,185 |
| Cash dividends to net income (ytd only)* | 37.8658% | 2,141 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9779% | 151 |
| Loan loss allowance to noncurrent loans | 294.3658% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 645 |
| Noncurrent loans to loans | 1.0116% | 973 |
| Net loans and leases to total assets | 59.6770% | 2,189 |
| Net loans and leases to deposits | 70.2182% | 2,110 |
| Net loans and leases to core deposits | 72.7026% | 2,190 |
| Total domestic deposits to total assets | 84.9879% | 3,273 |
| Equity capital to assets | 13.9990% | 663 |
| Core capital (leverage) ratio | 14.6265% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9947% | 400 |
| Memoranda: |
| Average total assets | $490,495,400 | 1,719 |
| Average earning assets | $428,232,600 | 1,807 |
| Average equity | $72,413,000 | 1,312 |
| Average total loans | $327,899,600 | 1,597 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1086% | 248 |
| Cost of funding earning assets | 0.3491% | 2,121 |
| Net interest margin | 4.7595% | 209 |
| Noninterest income to average assets | 0.8971% | 1,264 |
| Noninterest expense to average assets | 2.0623% | 3,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.7751% | 155 |
| Return on assets (ROA) | 2.7751% | 159 |
| Pretax return on assets | 2.9419% | 187 |
| Return on Equity (ROE) | 18.5311% | 566 |
| Retained earnings to average equity (ytd only) | 14.8197% | 423 |
| Net charge-offs to loans | 0.1915% | 441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 22.4756% | 1,681 |
| Efficiency ratio | 41.2118% | 4,684 |
| Assets per employee ($millions) | 5.9566% | 2,734 |
| Cash dividends to net income (ytd only)* | 20.0280% | 2,556 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0120% | 151 |
| Loan loss allowance to noncurrent loans | 260.2254% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 571 |
| Noncurrent loans to loans | 1.1575% | 965 |
| Net loans and leases to total assets | 63.1509% | 1,874 |
| Net loans and leases to deposits | 75.0907% | 1,756 |
| Net loans and leases to core deposits | 79.1302% | 1,805 |
| Total domestic deposits to total assets | 84.0994% | 3,435 |
| Equity capital to assets | 15.2545% | 504 |
| Core capital (leverage) ratio | 15.2030% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0536% | 373 |
| Memoranda: |
| Average total assets | $479,770,500 | 1,764 |
| Average earning assets | $414,011,250 | 1,875 |
| Average equity | $71,848,750 | 1,339 |
| Average total loans | $327,853,500 | 1,625 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3066% | 217 |
| Cost of funding earning assets | 0.3610% | 2,222 |
| Net interest margin | 4.9456% | 176 |
| Noninterest income to average assets | 1.0352% | 1,018 |
| Noninterest expense to average assets | 2.0463% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.9480% | 138 |
| Return on assets (ROA) | 2.9480% | 142 |
| Pretax return on assets | 3.2007% | 148 |
| Return on Equity (ROE) | 19.8135% | 467 |
| Retained earnings to average equity (ytd only) | 16.9830% | 272 |
| Net charge-offs to loans | -1.1406% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9999% | 4,776 |
| Assets per employee ($millions) | 5.8536% | 2,759 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6574% | 85 |
| Loan loss allowance to noncurrent loans | 334.3880% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 673 |
| Noncurrent loans to loans | 1.0938% | 1,108 |
| Net loans and leases to total assets | 65.3226% | 1,787 |
| Net loans and leases to deposits | 77.5167% | 1,678 |
| Net loans and leases to core deposits | 81.4558% | 1,765 |
| Total domestic deposits to total assets | 84.2690% | 3,350 |
| Equity capital to assets | 15.1156% | 510 |
| Core capital (leverage) ratio | 15.3505% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5429% | 401 |
| Memoranda: |
| Average total assets | $474,895,000 | 1,772 |
| Average earning assets | $404,441,667 | 1,895 |
| Average equity | $70,659,000 | 1,351 |
| Average total loans | $329,834,000 | 1,630 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1477% | 292 |
| Cost of funding earning assets | 0.3754% | 2,313 |
| Net interest margin | 4.7724% | 247 |
| Noninterest income to average assets | 1.3498% | 717 |
| Noninterest expense to average assets | 2.0570% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.0889% | 143 |
| Return on assets (ROA) | 3.0889% | 158 |
| Pretax return on assets | 3.3446% | 164 |
| Return on Equity (ROE) | 20.9329% | 473 |
| Retained earnings to average equity (ytd only) | 20.9329% | 240 |
| Net charge-offs to loans | -1.5768% | 4,926 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0817% | 4,805 |
| Assets per employee ($millions) | 5.7280% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4736% | 101 |
| Loan loss allowance to noncurrent loans | 315.8359% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 661 |
| Noncurrent loans to loans | 1.0998% | 1,213 |
| Net loans and leases to total assets | 67.8476% | 1,550 |
| Net loans and leases to deposits | 80.5514% | 1,470 |
| Net loans and leases to core deposits | 84.6115% | 1,623 |
| Total domestic deposits to total assets | 84.2289% | 3,361 |
| Equity capital to assets | 15.1326% | 477 |
| Core capital (leverage) ratio | 15.3317% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4526% | 380 |
| Memoranda: |
| Average total assets | $469,418,000 | 1,778 |
| Average earning assets | $398,543,500 | 1,909 |
| Average equity | $69,269,000 | 1,361 |
| Average total loans | $330,042,500 | 1,628 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6327% | 148 |
| Cost of funding earning assets | 0.5691% | 2,509 |
| Net interest margin | 5.0637% | 111 |
| Noninterest income to average assets | 0.8865% | 1,303 |
| Noninterest expense to average assets | 2.2778% | 3,471 |
| Loan and lease loss provision to assets | 0.7980% | 155 |
| Net operating income to assets | 2.0163% | 256 |
| Return on assets (ROA) | 2.0163% | 271 |
| Pretax return on assets | 2.2215% | 289 |
| Return on Equity (ROE) | 13.2131% | 988 |
| Retained earnings to average equity (ytd only) | 5.7422% | 1,934 |
| Net charge-offs to loans | 0.4131% | 411 |
| Credit loss provision to net charge-offs | 263.5542% | 1,875 |
| Earnings coverage of net charge-offs (x) | 9.9721% | 2,496 |
| Efficiency ratio | 42.9992% | 4,814 |
| Assets per employee ($millions) | 5.2126% | 3,137 |
| Cash dividends to net income (ytd only)* | 56.5419% | 1,519 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0818% | 135 |
| Loan loss allowance to noncurrent loans | 285.1374% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 772 |
| Noncurrent loans to loans | 1.0808% | 1,313 |
| Net loans and leases to total assets | 68.1613% | 1,809 |
| Net loans and leases to deposits | 80.2424% | 1,839 |
| Net loans and leases to core deposits | 84.2311% | 2,015 |
| Total domestic deposits to total assets | 84.9442% | 2,785 |
| Equity capital to assets | 14.3796% | 708 |
| Core capital (leverage) ratio | 14.7675% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0539% | 435 |
| Memoranda: |
| Average total assets | $438,574,600 | 1,737 |
| Average earning assets | $382,036,600 | 1,824 |
| Average equity | $66,925,800 | 1,345 |
| Average total loans | $321,481,800 | 1,603 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7381% | 148 |
| Cost of funding earning assets | 0.6194% | 2,486 |
| Net interest margin | 5.1187% | 114 |
| Noninterest income to average assets | 0.7989% | 1,499 |
| Noninterest expense to average assets | 2.2416% | 3,572 |
| Loan and lease loss provision to assets | 0.4641% | 675 |
| Net operating income to assets | 2.3121% | 174 |
| Return on assets (ROA) | 2.3121% | 182 |
| Pretax return on assets | 2.5906% | 185 |
| Return on Equity (ROE) | 14.9175% | 700 |
| Retained earnings to average equity (ytd only) | 10.9251% | 592 |
| Net charge-offs to loans | -0.9640% | 4,991 |
| Credit loss provision to net charge-offs | -64.9632% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3239% | 4,847 |
| Assets per employee ($millions) | 5.2180% | 2,998 |
| Cash dividends to net income (ytd only)* | 26.7630% | 2,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4734% | 97 |
| Loan loss allowance to noncurrent loans | 8,552.8986% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 2,208 |
| Noncurrent loans to loans | 0.0406% | 4,229 |
| Net loans and leases to total assets | 72.2548% | 1,627 |
| Net loans and leases to deposits | 86.0912% | 1,696 |
| Net loans and leases to core deposits | 89.9967% | 1,967 |
| Total domestic deposits to total assets | 83.9282% | 2,842 |
| Equity capital to assets | 15.2215% | 587 |
| Core capital (leverage) ratio | 15.0479% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5971% | 427 |
| Memoranda: |
| Average total assets | $430,934,250 | 1,740 |
| Average earning assets | $378,631,500 | 1,814 |
| Average equity | $66,792,250 | 1,329 |
| Average total loans | $319,368,000 | 1,616 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1599% | 122 |
| Cost of funding earning assets | 0.6892% | 2,452 |
| Net interest margin | 5.4707% | 93 |
| Noninterest income to average assets | 0.8439% | 1,308 |
| Noninterest expense to average assets | 2.2629% | 3,613 |
| Loan and lease loss provision to assets | 0.4725% | 798 |
| Net operating income to assets | 2.5961% | 122 |
| Return on assets (ROA) | 2.5961% | 132 |
| Pretax return on assets | 2.8796% | 133 |
| Return on Equity (ROE) | 16.6427% | 480 |
| Retained earnings to average equity (ytd only) | 13.6134% | 301 |
| Net charge-offs to loans | -1.3086% | 5,026 |
| Credit loss provision to net charge-offs | -48.8998% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3013% | 4,908 |
| Assets per employee ($millions) | 5.3968% | 2,740 |
| Cash dividends to net income (ytd only)* | 18.2017% | 2,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3059% | 106 |
| Loan loss allowance to noncurrent loans | 1,462.2517% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 1,910 |
| Noncurrent loans to loans | 0.2261% | 3,569 |
| Net loans and leases to total assets | 70.3924% | 1,970 |
| Net loans and leases to deposits | 83.3647% | 2,061 |
| Net loans and leases to core deposits | 87.0546% | 2,348 |
| Total domestic deposits to total assets | 84.4391% | 2,582 |
| Equity capital to assets | 14.8498% | 649 |
| Core capital (leverage) ratio | 15.5247% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6902% | 416 |
| Memoranda: |
| Average total assets | $423,257,667 | 1,733 |
| Average earning assets | $369,129,667 | 1,821 |
| Average equity | $66,023,000 | 1,332 |
| Average total loans | $312,552,667 | 1,627 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0992% | 147 |
| Cost of funding earning assets | 0.8176% | 2,294 |
| Net interest margin | 5.2816% | 133 |
| Noninterest income to average assets | 0.8621% | 1,143 |
| Noninterest expense to average assets | 2.4502% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.7421% | 84 |
| Return on assets (ROA) | 2.7421% | 86 |
| Pretax return on assets | 3.0381% | 87 |
| Return on Equity (ROE) | 17.1144% | 324 |
| Retained earnings to average equity (ytd only) | 17.1144% | 105 |
| Net charge-offs to loans | -1.9824% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6441% | 4,865 |
| Assets per employee ($millions) | 4.7511% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1388% | 134 |
| Loan loss allowance to noncurrent loans | 4,055.9829% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 2,145 |
| Noncurrent loans to loans | 0.0774% | 4,203 |
| Net loans and leases to total assets | 73.3865% | 1,714 |
| Net loans and leases to deposits | 88.9448% | 1,650 |
| Net loans and leases to core deposits | 93.3661% | 2,029 |
| Total domestic deposits to total assets | 82.5079% | 3,259 |
| Equity capital to assets | 16.6414% | 492 |
| Core capital (leverage) ratio | 16.6268% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6908% | 464 |
| Memoranda: |
| Average total assets | $405,523,000 | 1,747 |
| Average earning assets | $355,194,000 | 1,831 |
| Average equity | $64,974,500 | 1,349 |
| Average total loans | $301,854,500 | 1,638 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1196% | 189 |
| Cost of funding earning assets | 0.8883% | 2,239 |
| Net interest margin | 5.2313% | 179 |
| Noninterest income to average assets | 0.9857% | 1,003 |
| Noninterest expense to average assets | 2.5901% | 3,206 |
| Loan and lease loss provision to assets | 0.2571% | 698 |
| Net operating income to assets | 2.6200% | 117 |
| Return on assets (ROA) | 2.6202% | 123 |
| Pretax return on assets | 2.7912% | 129 |
| Return on Equity (ROE) | 16.4577% | 480 |
| Retained earnings to average equity (ytd only) | 8.3839% | 863 |
| Net charge-offs to loans | 0.4003% | 486 |
| Credit loss provision to net charge-offs | 87.3362% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.3546% | 2,577 |
| Efficiency ratio | 45.9395% | 4,912 |
| Assets per employee ($millions) | 4.8465% | 2,781 |
| Cash dividends to net income (ytd only)* | 49.0581% | 2,115 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6532% | 176 |
| Loan loss allowance to noncurrent loans | 4,730.7692% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 2,111 |
| Noncurrent loans to loans | 0.0561% | 4,317 |
| Net loans and leases to total assets | 71.2078% | 2,219 |
| Net loans and leases to deposits | 84.9816% | 2,206 |
| Net loans and leases to core deposits | 88.8600% | 2,527 |
| Total domestic deposits to total assets | 83.7920% | 2,915 |
| Equity capital to assets | 15.4227% | 700 |
| Core capital (leverage) ratio | 16.1835% | 497 |
| Tier 1 risk-based capital ratio | 22.2972% | 986 |
| Total risk-based capital ratio | 23.5663% | 963 |
| Memoranda: |
| Average total assets | $388,975,600 | 1,774 |
| Average earning assets | $345,939,800 | 1,830 |
| Average equity | $61,928,400 | 1,352 |
| Average total loans | $286,066,000 | 1,662 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0197% | 231 |
| Cost of funding earning assets | 0.8960% | 2,251 |
| Net interest margin | 5.1237% | 219 |
| Noninterest income to average assets | 1.1488% | 690 |
| Noninterest expense to average assets | 2.6507% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.8692% | 97 |
| Return on assets (ROA) | 2.8692% | 102 |
| Pretax return on assets | 3.0780% | 106 |
| Return on Equity (ROE) | 17.8714% | 404 |
| Retained earnings to average equity (ytd only) | 13.5374% | 231 |
| Net charge-offs to loans | -0.1592% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2711% | 4,928 |
| Assets per employee ($millions) | 4.7159% | 2,897 |
| Cash dividends to net income (ytd only)* | 24.2512% | 2,855 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8764% | 145 |
| Loan loss allowance to noncurrent loans | 2,592.3547% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 2,005 |
| Noncurrent loans to loans | 0.1110% | 4,149 |
| Net loans and leases to total assets | 74.0182% | 1,818 |
| Net loans and leases to deposits | 89.8154% | 1,720 |
| Net loans and leases to core deposits | 93.9892% | 2,180 |
| Total domestic deposits to total assets | 82.4115% | 3,353 |
| Equity capital to assets | 16.7018% | 522 |
| Core capital (leverage) ratio | 16.8702% | 457 |
| Tier 1 risk-based capital ratio | 23.9526% | 847 |
| Total risk-based capital ratio | 25.2258% | 829 |
| Memoranda: |
| Average total assets | $383,231,500 | 1,806 |
| Average earning assets | $342,553,500 | 1,855 |
| Average equity | $61,527,000 | 1,360 |
| Average total loans | $282,248,250 | 1,693 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1701% | 181 |
| Cost of funding earning assets | 0.8814% | 2,235 |
| Net interest margin | 5.2886% | 168 |
| Noninterest income to average assets | 1.0836% | 722 |
| Noninterest expense to average assets | 2.7178% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.7471% | 113 |
| Return on assets (ROA) | 2.7471% | 118 |
| Pretax return on assets | 3.0612% | 113 |
| Return on Equity (ROE) | 17.3467% | 430 |
| Retained earnings to average equity (ytd only) | 14.0413% | 226 |
| Net charge-offs to loans | -1.5599% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0290% | 4,937 |
| Assets per employee ($millions) | 4.6085% | 2,995 |
| Cash dividends to net income (ytd only)* | 19.0549% | 3,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6113% | 77 |
| Loan loss allowance to noncurrent loans | 2,912.1469% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 1,810 |
| Noncurrent loans to loans | 0.1240% | 4,120 |
| Net loans and leases to total assets | 70.2430% | 2,497 |
| Net loans and leases to deposits | 84.3693% | 2,450 |
| Net loans and leases to core deposits | 88.0423% | 2,791 |
| Total domestic deposits to total assets | 83.2567% | 3,128 |
| Equity capital to assets | 15.9777% | 619 |
| Core capital (leverage) ratio | 16.3054% | 508 |
| Tier 1 risk-based capital ratio | 23.4388% | 902 |
| Total risk-based capital ratio | 24.7212% | 878 |
| Memoranda: |
| Average total assets | $382,075,000 | 1,816 |
| Average earning assets | $339,219,000 | 1,871 |
| Average equity | $60,507,330 | 1,371 |
| Average total loans | $278,095,670 | 1,722 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0907% | 190 |
| Cost of funding earning assets | 0.8583% | 2,224 |
| Net interest margin | 5.2324% | 192 |
| Noninterest income to average assets | 0.9161% | 1,005 |
| Noninterest expense to average assets | 2.7472% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4726% | 167 |
| Return on assets (ROA) | 2.4726% | 177 |
| Pretax return on assets | 2.7907% | 158 |
| Return on Equity (ROE) | 15.6860% | 636 |
| Retained earnings to average equity (ytd only) | 15.6860% | 239 |
| Net charge-offs to loans | -0.7186% | 5,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6075% | 4,861 |
| Assets per employee ($millions) | 4.5559% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1206% | 117 |
| Loan loss allowance to noncurrent loans | 2,196.6921% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 1,801 |
| Noncurrent loans to loans | 0.1421% | 4,108 |
| Net loans and leases to total assets | 70.0315% | 2,472 |
| Net loans and leases to deposits | 84.0098% | 2,383 |
| Net loans and leases to core deposits | 87.3568% | 2,751 |
| Total domestic deposits to total assets | 83.3610% | 3,270 |
| Equity capital to assets | 15.8443% | 598 |
| Core capital (leverage) ratio | 16.1340% | 514 |
| Tier 1 risk-based capital ratio | 22.9138% | 946 |
| Total risk-based capital ratio | 24.1884% | 921 |
| Memoranda: |
| Average total assets | $377,252,500 | 1,851 |
| Average earning assets | $333,229,000 | 1,909 |
| Average equity | $59,467,000 | 1,386 |
| Average total loans | $274,411,000 | 1,746 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3737% | 105 |
| Cost of funding earning assets | 0.6284% | 2,536 |
| Net interest margin | 5.7452% | 86 |
| Noninterest income to average assets | 1.3060% | 542 |
| Noninterest expense to average assets | 2.7664% | 2,802 |
| Loan and lease loss provision to assets | 0.5385% | 211 |
| Net operating income to assets | 2.8490% | 97 |
| Return on assets (ROA) | 2.8490% | 95 |
| Pretax return on assets | 3.0789% | 88 |
| Return on Equity (ROE) | 18.6254% | 333 |
| Retained earnings to average equity (ytd only) | 10.7050% | 486 |
| Net charge-offs to loans | 0.7343% | 216 |
| Credit loss provision to net charge-offs | 100.4016% | 2,502 |
| Earnings coverage of net charge-offs (x) | 6.7450% | 3,058 |
| Efficiency ratio | 43.3343% | 5,200 |
| Assets per employee ($millions) | 4.5902% | 3,032 |
| Cash dividends to net income (ytd only)* | 42.5250% | 2,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9907% | 133 |
| Loan loss allowance to noncurrent loans | 952.0468% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 1,660 |
| Noncurrent loans to loans | 0.3141% | 3,426 |
| Net loans and leases to total assets | 71.0153% | 2,416 |
| Net loans and leases to deposits | 85.0409% | 2,400 |
| Net loans and leases to core deposits | 88.5865% | 2,698 |
| Total domestic deposits to total assets | 83.5073% | 3,157 |
| Equity capital to assets | 15.6796% | 589 |
| Core capital (leverage) ratio | 15.7973% | 551 |
| Tier 1 risk-based capital ratio | 23.2951% | 884 |
| Total risk-based capital ratio | 24.5697% | 858 |
| Memoranda: |
| Average total assets | $371,425,600 | 1,825 |
| Average earning assets | $328,272,800 | 1,898 |
| Average equity | $56,814,800 | 1,388 |
| Average total loans | $271,279,000 | 1,720 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1355% | 130 |
| Cost of funding earning assets | 0.5885% | 2,558 |
| Net interest margin | 5.5470% | 102 |
| Noninterest income to average assets | 1.4811% | 434 |
| Noninterest expense to average assets | 2.6980% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.6089% | 59 |
| Return on assets (ROA) | 3.6089% | 59 |
| Pretax return on assets | 3.6807% | 66 |
| Return on Equity (ROE) | 23.7421% | 107 |
| Retained earnings to average equity (ytd only) | 19.0178% | 71 |
| Net charge-offs to loans | 0.2145% | 794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 23.5114% | 1,841 |
| Efficiency ratio | 42.2967% | 5,264 |
| Assets per employee ($millions) | 4.5723% | 3,011 |
| Cash dividends to net income (ytd only)* | 19.8985% | 3,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8010% | 170 |
| Loan loss allowance to noncurrent loans | 868.6230% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 1,488 |
| Noncurrent loans to loans | 0.3225% | 3,515 |
| Net loans and leases to total assets | 72.1079% | 2,314 |
| Net loans and leases to deposits | 87.1335% | 2,249 |
| Net loans and leases to core deposits | 88.8801% | 2,757 |
| Total domestic deposits to total assets | 82.7557% | 3,387 |
| Equity capital to assets | 16.2701% | 492 |
| Core capital (leverage) ratio | 16.2499% | 487 |
| Tier 1 risk-based capital ratio | 24.1329% | 832 |
| Total risk-based capital ratio | 25.4055% | 806 |
| Memoranda: |
| Average total assets | $371,330,250 | 1,834 |
| Average earning assets | $327,855,250 | 1,908 |
| Average equity | $56,444,000 | 1,395 |
| Average total loans | $271,053,750 | 1,722 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0819% | 129 |
| Cost of funding earning assets | 0.5567% | 2,552 |
| Net interest margin | 5.5251% | 104 |
| Noninterest income to average assets | 1.6268% | 377 |
| Noninterest expense to average assets | 2.7144% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.6539% | 53 |
| Return on assets (ROA) | 3.6539% | 53 |
| Pretax return on assets | 3.7616% | 64 |
| Return on Equity (ROE) | 24.6136% | 96 |
| Retained earnings to average equity (ytd only) | 20.9887% | 57 |
| Net charge-offs to loans | -0.2809% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9146% | 5,351 |
| Assets per employee ($millions) | 4.6565% | 2,876 |
| Cash dividends to net income (ytd only)* | 14.7275% | 3,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1561% | 123 |
| Loan loss allowance to noncurrent loans | 211.7691% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 640 |
| Noncurrent loans to loans | 1.4903% | 1,126 |
| Net loans and leases to total assets | 70.1057% | 2,564 |
| Net loans and leases to deposits | 83.7727% | 2,562 |
| Net loans and leases to core deposits | 85.6110% | 2,956 |
| Total domestic deposits to total assets | 83.6855% | 3,181 |
| Equity capital to assets | 15.5696% | 584 |
| Core capital (leverage) ratio | 15.7799% | 534 |
| Tier 1 risk-based capital ratio | 23.3818% | 901 |
| Total risk-based capital ratio | 24.6583% | 873 |
| Memoranda: |
| Average total assets | $371,653,670 | 1,838 |
| Average earning assets | $326,181,670 | 1,922 |
| Average equity | $55,172,670 | 1,419 |
| Average total loans | $269,820,000 | 1,732 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2517% | 99 |
| Cost of funding earning assets | 0.5276% | 2,562 |
| Net interest margin | 5.7241% | 88 |
| Noninterest income to average assets | 0.9116% | 1,121 |
| Noninterest expense to average assets | 2.4729% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.2617% | 71 |
| Return on assets (ROA) | 3.2617% | 73 |
| Pretax return on assets | 3.4772% | 77 |
| Return on Equity (ROE) | 22.5227% | 146 |
| Retained earnings to average equity (ytd only) | 22.5227% | 71 |
| Net charge-offs to loans | -1.7355% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5610% | 5,415 |
| Assets per employee ($millions) | 4.6628% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4203% | 96 |
| Loan loss allowance to noncurrent loans | 175.3487% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.8117% | 667 |
| Noncurrent loans to loans | 1.9506% | 829 |
| Net loans and leases to total assets | 70.4306% | 2,401 |
| Net loans and leases to deposits | 83.3463% | 2,467 |
| Net loans and leases to core deposits | 85.1514% | 2,876 |
| Total domestic deposits to total assets | 84.5036% | 3,115 |
| Equity capital to assets | 14.8032% | 718 |
| Core capital (leverage) ratio | 15.0951% | 643 |
| Tier 1 risk-based capital ratio | 22.0517% | 1,042 |
| Total risk-based capital ratio | 23.3322% | 1,022 |
| Memoranda: |
| Average total assets | $371,219,500 | 1,853 |
| Average earning assets | $326,759,500 | 1,936 |
| Average equity | $53,759,000 | 1,451 |
| Average total loans | $269,895,000 | 1,741 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0376% | 127 |
| Cost of funding earning assets | 0.5269% | 2,119 |
| Net interest margin | 5.5108% | 100 |
| Noninterest income to average assets | 1.1057% | 835 |
| Noninterest expense to average assets | 2.6493% | 3,284 |
| Loan and lease loss provision to assets | 0.2794% | 636 |
| Net operating income to assets | 2.6146% | 105 |
| Return on assets (ROA) | 2.6146% | 105 |
| Pretax return on assets | 3.0454% | 96 |
| Return on Equity (ROE) | 17.4916% | 347 |
| Retained earnings to average equity (ytd only) | 4.4089% | 2,513 |
| Net charge-offs to loans | 0.3549% | 715 |
| Credit loss provision to net charge-offs | 106.3830% | 2,428 |
| Earnings coverage of net charge-offs (x) | 12.6606% | 2,451 |
| Efficiency ratio | 44.3462% | 5,444 |
| Assets per employee ($millions) | 4.6762% | 2,905 |
| Cash dividends to net income (ytd only)* | 74.7943% | 1,019 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0374% | 135 |
| Loan loss allowance to noncurrent loans | 182.1093% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 1.6353% | 804 |
| Noncurrent loans to loans | 1.6679% | 986 |
| Net loans and leases to total assets | 70.2814% | 2,484 |
| Net loans and leases to deposits | 82.6054% | 2,654 |
| Net loans and leases to core deposits | 84.4681% | 3,027 |
| Total domestic deposits to total assets | 85.0809% | 2,811 |
| Equity capital to assets | 14.1571% | 862 |
| Core capital (leverage) ratio | 14.3663% | 761 |
| Tier 1 risk-based capital ratio | 21.1728% | 1,117 |
| Total risk-based capital ratio | 22.4479% | 1,088 |
| Memoranda: |
| Average total assets | $357,948,800 | 1,878 |
| Average earning assets | $316,217,600 | 1,955 |
| Average equity | $53,505,600 | 1,439 |
| Average total loans | $264,869,400 | 1,736 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1920% | 107 |
| Cost of funding earning assets | 0.5133% | 2,161 |
| Net interest margin | 5.6787% | 83 |
| Noninterest income to average assets | 1.0364% | 947 |
| Noninterest expense to average assets | 2.4888% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 3.2319% | 69 |
| Return on assets (ROA) | 3.2319% | 69 |
| Pretax return on assets | 3.5698% | 80 |
| Return on Equity (ROE) | 21.3274% | 161 |
| Retained earnings to average equity (ytd only) | 16.3716% | 86 |
| Net charge-offs to loans | -1.2599% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0784% | 5,555 |
| Assets per employee ($millions) | 4.3703% | 3,356 |
| Cash dividends to net income (ytd only)* | 23.2369% | 3,019 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9486% | 70 |
| Loan loss allowance to noncurrent loans | 344.6836% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 1,220 |
| Noncurrent loans to loans | 1.1456% | 1,675 |
| Net loans and leases to total assets | 71.7339% | 2,295 |
| Net loans and leases to deposits | 86.1968% | 2,272 |
| Net loans and leases to core deposits | 87.8295% | 2,788 |
| Total domestic deposits to total assets | 83.2211% | 3,387 |
| Equity capital to assets | 15.7719% | 583 |
| Core capital (leverage) ratio | 15.8485% | 514 |
| Tier 1 risk-based capital ratio | 24.0161% | 851 |
| Total risk-based capital ratio | 25.3061% | 827 |
| Memoranda: |
| Average total assets | $355,081,500 | 1,897 |
| Average earning assets | $314,030,250 | 1,981 |
| Average equity | $53,807,250 | 1,440 |
| Average total loans | $264,145,500 | 1,750 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2941% | 93 |
| Cost of funding earning assets | 0.4931% | 2,226 |
| Net interest margin | 5.8009% | 85 |
| Noninterest income to average assets | 1.2791% | 635 |
| Noninterest expense to average assets | 2.4820% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 3.5758% | 65 |
| Return on assets (ROA) | 3.5758% | 65 |
| Pretax return on assets | 3.9148% | 76 |
| Return on Equity (ROE) | 23.9270% | 94 |
| Retained earnings to average equity (ytd only) | 23.9270% | 35 |
| Net charge-offs to loans | -2.2580% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8006% | 5,650 |
| Assets per employee ($millions) | 4.3791% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1436% | 60 |
| Loan loss allowance to noncurrent loans | 465.2760% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 1,388 |
| Noncurrent loans to loans | 0.8906% | 2,194 |
| Net loans and leases to total assets | 71.1292% | 2,349 |
| Net loans and leases to deposits | 85.1115% | 2,338 |
| Net loans and leases to core deposits | 86.4818% | 2,834 |
| Total domestic deposits to total assets | 83.5718% | 3,378 |
| Equity capital to assets | 15.6626% | 578 |
| Core capital (leverage) ratio | 15.8050% | 498 |
| Tier 1 risk-based capital ratio | 24.2844% | 825 |
| Total risk-based capital ratio | 25.5780% | 798 |
| Memoranda: |
| Average total assets | $353,986,670 | 1,910 |
| Average earning assets | $312,294,670 | 1,997 |
| Average equity | $52,902,670 | 1,463 |
| Average total loans | $262,981,330 | 1,751 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0841% | 111 |
| Cost of funding earning assets | 0.4792% | 2,253 |
| Net interest margin | 5.6049% | 96 |
| Noninterest income to average assets | 1.0949% | 825 |
| Noninterest expense to average assets | 2.6463% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.0196% | 94 |
| Return on assets (ROA) | 3.0196% | 96 |
| Pretax return on assets | 3.3611% | 105 |
| Return on Equity (ROE) | 20.7134% | 199 |
| Retained earnings to average equity (ytd only) | 20.7134% | 96 |
| Net charge-offs to loans | -2.5157% | 5,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0508% | 5,592 |
| Assets per employee ($millions) | 4.3624% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7132% | 101 |
| Loan loss allowance to noncurrent loans | 359.6816% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 854 |
| Noncurrent loans to loans | 1.0324% | 1,993 |
| Net loans and leases to total assets | 71.2931% | 2,171 |
| Net loans and leases to deposits | 84.4869% | 2,221 |
| Net loans and leases to core deposits | 85.8487% | 2,729 |
| Total domestic deposits to total assets | 84.3836% | 3,338 |
| Equity capital to assets | 14.8766% | 679 |
| Core capital (leverage) ratio | 15.1216% | 583 |
| Tier 1 risk-based capital ratio | 22.7488% | 1,006 |
| Total risk-based capital ratio | 24.0350% | 982 |
| Memoranda: |
| Average total assets | $351,435,000 | 1,926 |
| Average earning assets | $308,017,000 | 2,034 |
| Average equity | $51,232,500 | 1,508 |
| Average total loans | $261,242,500 | 1,767 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0895% | 112 |
| Cost of funding earning assets | 0.4444% | 2,582 |
| Net interest margin | 5.6451% | 90 |
| Noninterest income to average assets | 0.8440% | 1,601 |
| Noninterest expense to average assets | 2.5482% | 3,847 |
| Loan and lease loss provision to assets | 1.2283% | 84 |
| Net operating income to assets | 1.5995% | 682 |
| Return on assets (ROA) | 1.5995% | 708 |
| Pretax return on assets | 2.0192% | 473 |
| Return on Equity (ROE) | 10.5736% | 1,740 |
| Retained earnings to average equity (ytd only) | 0.9067% | 4,959 |
| Net charge-offs to loans | 1.6335% | 87 |
| Credit loss provision to net charge-offs | 98.1997% | 2,640 |
| Earnings coverage of net charge-offs (x) | 2.5962% | 3,803 |
| Efficiency ratio | 43.9673% | 5,694 |
| Assets per employee ($millions) | 4.1609% | 3,685 |
| Cash dividends to net income (ytd only)* | 91.4244% | 555 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0945% | 156 |
| Loan loss allowance to noncurrent loans | 271.8761% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 1.8365% | 790 |
| Noncurrent loans to loans | 1.1382% | 1,802 |
| Net loans and leases to total assets | 72.3232% | 2,123 |
| Net loans and leases to deposits | 85.1665% | 2,285 |
| Net loans and leases to core deposits | 86.5262% | 2,809 |
| Total domestic deposits to total assets | 84.9197% | 3,087 |
| Equity capital to assets | 14.2763% | 801 |
| Core capital (leverage) ratio | 14.6683% | 659 |
| Tier 1 risk-based capital ratio | 21.2612% | 1,164 |
| Total risk-based capital ratio | 22.5379% | 1,149 |
| Memoranda: |
| Average total assets | $341,926,000 | 1,941 |
| Average earning assets | $299,924,000 | 2,044 |
| Average equity | $51,723,200 | 1,479 |
| Average total loans | $261,828,200 | 1,725 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1073% | 108 |
| Cost of funding earning assets | 0.4450% | 2,601 |
| Net interest margin | 5.6623% | 89 |
| Noninterest income to average assets | 0.8732% | 1,501 |
| Noninterest expense to average assets | 2.5229% | 3,917 |
| Loan and lease loss provision to assets | 0.5882% | 198 |
| Net operating income to assets | 2.5146% | 154 |
| Return on assets (ROA) | 2.5146% | 158 |
| Pretax return on assets | 2.7264% | 157 |
| Return on Equity (ROE) | 16.3866% | 502 |
| Retained earnings to average equity (ytd only) | 11.2762% | 394 |
| Net charge-offs to loans | 0.9020% | 197 |
| Credit loss provision to net charge-offs | 84.6024% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.7676% | 3,225 |
| Efficiency ratio | 43.2189% | 5,763 |
| Assets per employee ($millions) | 4.0563% | 3,861 |
| Cash dividends to net income (ytd only)* | 31.1867% | 2,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9681% | 193 |
| Loan loss allowance to noncurrent loans | 157.0175% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 2.4084% | 582 |
| Noncurrent loans to loans | 1.8903% | 1,062 |
| Net loans and leases to total assets | 75.5683% | 1,601 |
| Net loans and leases to deposits | 90.6336% | 1,676 |
| Net loans and leases to core deposits | 91.9053% | 2,388 |
| Total domestic deposits to total assets | 83.3778% | 3,456 |
| Equity capital to assets | 15.8227% | 581 |
| Core capital (leverage) ratio | 15.7490% | 518 |
| Tier 1 risk-based capital ratio | 22.4096% | 1,075 |
| Total risk-based capital ratio | 23.6845% | 1,051 |
| Memoranda: |
| Average total assets | $340,028,500 | 1,951 |
| Average earning assets | $298,106,750 | 2,056 |
| Average equity | $52,179,500 | 1,476 |
| Average total loans | $262,072,000 | 1,726 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1681% | 107 |
| Cost of funding earning assets | 0.4447% | 2,618 |
| Net interest margin | 5.7235% | 90 |
| Noninterest income to average assets | 0.8152% | 1,657 |
| Noninterest expense to average assets | 2.4685% | 4,125 |
| Loan and lease loss provision to assets | 0.4414% | 328 |
| Net operating income to assets | 2.7099% | 109 |
| Return on assets (ROA) | 2.7099% | 109 |
| Pretax return on assets | 2.9129% | 129 |
| Return on Equity (ROE) | 17.8443% | 370 |
| Retained earnings to average equity (ytd only) | 13.9685% | 190 |
| Net charge-offs to loans | 0.7993% | 253 |
| Credit loss provision to net charge-offs | 71.9080% | 2,454 |
| Earnings coverage of net charge-offs (x) | 5.4640% | 2,853 |
| Efficiency ratio | 42.3936% | 5,859 |
| Assets per employee ($millions) | 4.1119% | 3,718 |
| Cash dividends to net income (ytd only)* | 21.7202% | 3,139 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0024% | 194 |
| Loan loss allowance to noncurrent loans | 146.7227% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 2.4487% | 576 |
| Noncurrent loans to loans | 2.0463% | 960 |
| Net loans and leases to total assets | 73.4888% | 1,933 |
| Net loans and leases to deposits | 87.6927% | 2,037 |
| Net loans and leases to core deposits | 89.2382% | 2,612 |
| Total domestic deposits to total assets | 83.8026% | 3,351 |
| Equity capital to assets | 15.3784% | 652 |
| Core capital (leverage) ratio | 15.5029% | 528 |
| Tier 1 risk-based capital ratio | 22.3685% | 1,093 |
| Total risk-based capital ratio | 23.6437% | 1,074 |
| Memoranda: |
| Average total assets | $339,796,330 | 1,960 |
| Average earning assets | $297,301,670 | 2,070 |
| Average equity | $51,602,000 | 1,494 |
| Average total loans | $260,977,330 | 1,726 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3704% | 84 |
| Cost of funding earning assets | 0.4521% | 2,557 |
| Net interest margin | 5.9183% | 74 |
| Noninterest income to average assets | 0.8332% | 1,504 |
| Noninterest expense to average assets | 2.6778% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.1514% | 85 |
| Return on assets (ROA) | 3.1514% | 85 |
| Pretax return on assets | 3.3294% | 106 |
| Return on Equity (ROE) | 20.8872% | 196 |
| Retained earnings to average equity (ytd only) | 20.8872% | 78 |
| Net charge-offs to loans | 1.5486% | 116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.7800% | 2,633 |
| Efficiency ratio | 44.5762% | 5,853 |
| Assets per employee ($millions) | 4.1159% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7209% | 303 |
| Loan loss allowance to noncurrent loans | 131.2983% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.9870% | 876 |
| Noncurrent loans to loans | 2.0723% | 1,022 |
| Net loans and leases to total assets | 74.7245% | 1,611 |
| Net loans and leases to deposits | 89.2360% | 1,670 |
| Net loans and leases to core deposits | 90.3788% | 2,337 |
| Total domestic deposits to total assets | 83.7380% | 3,624 |
| Equity capital to assets | 15.2729% | 641 |
| Core capital (leverage) ratio | 15.5775% | 525 |
| Tier 1 risk-based capital ratio | 22.2274% | 1,129 |
| Total risk-based capital ratio | 23.4992% | 1,108 |
| Memoranda: |
| Average total assets | $336,994,000 | 1,987 |
| Average earning assets | $294,613,000 | 2,093 |
| Average equity | $50,844,500 | 1,513 |
| Average total loans | $260,622,000 | 1,725 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2055% | 110 |
| Cost of funding earning assets | 0.4565% | 2,562 |
| Net interest margin | 5.7489% | 88 |
| Noninterest income to average assets | 0.8930% | 1,462 |
| Noninterest expense to average assets | 2.8849% | 2,909 |
| Loan and lease loss provision to assets | 0.9923% | 86 |
| Net operating income to assets | 1.8444% | 449 |
| Return on assets (ROA) | 1.8444% | 461 |
| Pretax return on assets | 2.0407% | 498 |
| Return on Equity (ROE) | 12.1965% | 1,253 |
| Retained earnings to average equity (ytd only) | 6.9472% | 1,303 |
| Net charge-offs to loans | 1.1411% | 156 |
| Credit loss provision to net charge-offs | 113.9152% | 2,232 |
| Earnings coverage of net charge-offs (x) | 3.4819% | 3,720 |
| Efficiency ratio | 48.7489% | 5,810 |
| Assets per employee ($millions) | 4.0085% | 3,925 |
| Cash dividends to net income (ytd only)* | 43.0392% | 2,695 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1484% | 190 |
| Loan loss allowance to noncurrent loans | 113.2277% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 2.7306% | 530 |
| Noncurrent loans to loans | 2.7806% | 621 |
| Net loans and leases to total assets | 75.3466% | 1,518 |
| Net loans and leases to deposits | 89.4909% | 1,686 |
| Net loans and leases to core deposits | 91.0022% | 2,317 |
| Total domestic deposits to total assets | 84.1947% | 3,403 |
| Equity capital to assets | 15.0764% | 653 |
| Core capital (leverage) ratio | 15.0609% | 601 |
| Tier 1 risk-based capital ratio | 21.7242% | 1,186 |
| Total risk-based capital ratio | 23.0024% | 1,159 |
| Memoranda: |
| Average total assets | $327,532,600 | 2,009 |
| Average earning assets | $286,279,400 | 2,095 |
| Average equity | $49,530,400 | 1,505 |
| Average total loans | $250,023,400 | 1,728 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1789% | 111 |
| Cost of funding earning assets | 0.4583% | 2,605 |
| Net interest margin | 5.7205% | 88 |
| Noninterest income to average assets | 1.1374% | 928 |
| Noninterest expense to average assets | 2.7292% | 3,460 |
| Loan and lease loss provision to assets | 0.7152% | 114 |
| Net operating income to assets | 2.4979% | 159 |
| Return on assets (ROA) | 2.4979% | 163 |
| Pretax return on assets | 2.6818% | 176 |
| Return on Equity (ROE) | 16.5052% | 530 |
| Retained earnings to average equity (ytd only) | 14.8850% | 168 |
| Net charge-offs to loans | 0.9264% | 208 |
| Credit loss provision to net charge-offs | 101.6260% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.8270% | 3,294 |
| Efficiency ratio | 44.5497% | 6,019 |
| Assets per employee ($millions) | 3.8397% | 4,191 |
| Cash dividends to net income (ytd only)* | 9.8168% | 3,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0424% | 233 |
| Loan loss allowance to noncurrent loans | 104.2476% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.9375% | 529 |
| Noncurrent loans to loans | 2.9184% | 622 |
| Net loans and leases to total assets | 75.0834% | 1,533 |
| Net loans and leases to deposits | 90.0248% | 1,648 |
| Net loans and leases to core deposits | 91.7959% | 2,286 |
| Total domestic deposits to total assets | 83.4031% | 3,654 |
| Equity capital to assets | 15.8232% | 591 |
| Core capital (leverage) ratio | 15.8813% | 505 |
| Tier 1 risk-based capital ratio | 22.5958% | 1,108 |
| Total risk-based capital ratio | 23.8716% | 1,086 |
| Memoranda: |
| Average total assets | $326,239,500 | 2,029 |
| Average earning assets | $284,511,500 | 2,117 |
| Average equity | $49,373,000 | 1,511 |
| Average total loans | $247,821,500 | 1,756 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2364% | 102 |
| Cost of funding earning assets | 0.4620% | 2,586 |
| Net interest margin | 5.7743% | 89 |
| Noninterest income to average assets | 0.9621% | 1,270 |
| Noninterest expense to average assets | 2.7841% | 3,298 |
| Loan and lease loss provision to assets | 0.7694% | 105 |
| Net operating income to assets | 2.2320% | 241 |
| Return on assets (ROA) | 2.2320% | 258 |
| Pretax return on assets | 2.4166% | 275 |
| Return on Equity (ROE) | 14.9792% | 735 |
| Retained earnings to average equity (ytd only) | 13.7399% | 248 |
| Net charge-offs to loans | 0.8075% | 266 |
| Credit loss provision to net charge-offs | 126.2626% | 1,736 |
| Earnings coverage of net charge-offs (x) | 5.2283% | 2,945 |
| Efficiency ratio | 46.6337% | 6,015 |
| Assets per employee ($millions) | 3.7246% | 4,374 |
| Cash dividends to net income (ytd only)* | 8.2736% | 3,493 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2028% | 220 |
| Loan loss allowance to noncurrent loans | 102.2591% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 3.1464% | 507 |
| Noncurrent loans to loans | 3.1320% | 612 |
| Net loans and leases to total assets | 73.0475% | 1,812 |
| Net loans and leases to deposits | 86.8591% | 1,961 |
| Net loans and leases to core deposits | 88.8139% | 2,472 |
| Total domestic deposits to total assets | 84.0988% | 3,526 |
| Equity capital to assets | 15.0964% | 684 |
| Core capital (leverage) ratio | 15.3729% | 565 |
| Tier 1 risk-based capital ratio | 21.7122% | 1,244 |
| Total risk-based capital ratio | 22.9896% | 1,227 |
| Memoranda: |
| Average total assets | $324,913,330 | 2,046 |
| Average earning assets | $281,799,330 | 2,153 |
| Average equity | $48,413,670 | 1,548 |
| Average total loans | $245,189,000 | 1,779 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4209% | 80 |
| Cost of funding earning assets | 0.4753% | 2,500 |
| Net interest margin | 5.9456% | 76 |
| Noninterest income to average assets | 0.9315% | 1,295 |
| Noninterest expense to average assets | 2.6267% | 3,834 |
| Loan and lease loss provision to assets | 0.9328% | 93 |
| Net operating income to assets | 2.2573% | 211 |
| Return on assets (ROA) | 2.2573% | 224 |
| Pretax return on assets | 2.4438% | 265 |
| Return on Equity (ROE) | 15.2524% | 676 |
| Retained earnings to average equity (ytd only) | 15.2524% | 265 |
| Net charge-offs to loans | 0.9823% | 240 |
| Credit loss provision to net charge-offs | 125.8389% | 1,400 |
| Earnings coverage of net charge-offs (x) | 4.5554% | 2,478 |
| Efficiency ratio | 43.7539% | 6,189 |
| Assets per employee ($millions) | 3.8257% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2214% | 237 |
| Loan loss allowance to noncurrent loans | 90.5613% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 3.4413% | 487 |
| Noncurrent loans to loans | 3.5572% | 530 |
| Net loans and leases to total assets | 73.9100% | 1,518 |
| Net loans and leases to deposits | 87.8699% | 1,622 |
| Net loans and leases to core deposits | 90.1262% | 2,117 |
| Total domestic deposits to total assets | 84.1130% | 3,778 |
| Equity capital to assets | 15.1081% | 696 |
| Core capital (leverage) ratio | 15.0361% | 604 |
| Tier 1 risk-based capital ratio | 21.5886% | 1,307 |
| Total risk-based capital ratio | 22.8667% | 1,271 |
| Memoranda: |
| Average total assets | $321,625,000 | 2,079 |
| Average earning assets | $274,353,500 | 2,213 |
| Average equity | $47,599,000 | 1,582 |
| Average total loans | $242,705,000 | 1,790 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0878% | 139 |
| Cost of funding earning assets | 0.5286% | 2,403 |
| Net interest margin | 5.5592% | 120 |
| Noninterest income to average assets | 0.9201% | 1,441 |
| Noninterest expense to average assets | 2.7937% | 3,507 |
| Loan and lease loss provision to assets | 1.0144% | 107 |
| Net operating income to assets | 1.5989% | 707 |
| Return on assets (ROA) | 1.5989% | 741 |
| Pretax return on assets | 1.8976% | 648 |
| Return on Equity (ROE) | 11.2512% | 1,637 |
| Retained earnings to average equity (ytd only) | 7.9569% | 1,032 |
| Net charge-offs to loans | 1.8744% | 113 |
| Credit loss provision to net charge-offs | 72.3347% | 3,017 |
| Earnings coverage of net charge-offs (x) | 2.0766% | 4,252 |
| Efficiency ratio | 48.9634% | 6,145 |
| Assets per employee ($millions) | 3.8321% | 4,282 |
| Cash dividends to net income (ytd only)* | 29.2797% | 3,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2301% | 232 |
| Loan loss allowance to noncurrent loans | 150.3783% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 2.4837% | 930 |
| Noncurrent loans to loans | 2.1480% | 1,258 |
| Net loans and leases to total assets | 72.1473% | 1,888 |
| Net loans and leases to deposits | 85.1502% | 2,079 |
| Net loans and leases to core deposits | 88.0189% | 2,499 |
| Total domestic deposits to total assets | 84.7294% | 3,407 |
| Equity capital to assets | 14.4915% | 816 |
| Core capital (leverage) ratio | 14.4991% | 702 |
| Tier 1 risk-based capital ratio | 21.4639% | 1,318 |
| Total risk-based capital ratio | 22.7421% | 1,284 |
| Memoranda: |
| Average total assets | $320,398,600 | 2,026 |
| Average earning assets | $275,815,400 | 2,159 |
| Average equity | $45,532,800 | 1,581 |
| Average total loans | $239,703,600 | 1,764 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0608% | 145 |
| Cost of funding earning assets | 0.5364% | 2,410 |
| Net interest margin | 5.5244% | 132 |
| Noninterest income to average assets | 1.2953% | 727 |
| Noninterest expense to average assets | 3.0509% | 2,630 |
| Loan and lease loss provision to assets | 0.9374% | 123 |
| Net operating income to assets | 1.8286% | 487 |
| Return on assets (ROA) | 1.8286% | 500 |
| Pretax return on assets | 2.0785% | 474 |
| Return on Equity (ROE) | 12.9311% | 1,233 |
| Retained earnings to average equity (ytd only) | 12.1945% | 399 |
| Net charge-offs to loans | 1.6085% | 141 |
| Credit loss provision to net charge-offs | 77.8277% | 2,637 |
| Earnings coverage of net charge-offs (x) | 2.5040% | 3,898 |
| Efficiency ratio | 50.2884% | 6,085 |
| Assets per employee ($millions) | 3.7573% | 4,381 |
| Cash dividends to net income (ytd only)* | 5.6961% | 3,693 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4791% | 233 |
| Loan loss allowance to noncurrent loans | 132.1626% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 2.9317% | 821 |
| Noncurrent loans to loans | 2.6325% | 1,089 |
| Net loans and leases to total assets | 72.5688% | 1,752 |
| Net loans and leases to deposits | 86.0504% | 1,900 |
| Net loans and leases to core deposits | 89.0598% | 2,318 |
| Total domestic deposits to total assets | 84.3329% | 3,627 |
| Equity capital to assets | 14.7550% | 787 |
| Core capital (leverage) ratio | 14.5086% | 721 |
| Tier 1 risk-based capital ratio | 21.4758% | 1,354 |
| Total risk-based capital ratio | 22.7572% | 1,319 |
| Memoranda: |
| Average total assets | $320,025,000 | 2,043 |
| Average earning assets | $276,416,250 | 2,167 |
| Average equity | $45,254,250 | 1,591 |
| Average total loans | $239,632,250 | 1,768 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0000% | 148 |
| Cost of funding earning assets | 0.5388% | 2,448 |
| Net interest margin | 5.4611% | 139 |
| Noninterest income to average assets | 1.4264% | 596 |
| Noninterest expense to average assets | 3.0289% | 2,729 |
| Loan and lease loss provision to assets | 0.9368% | 118 |
| Net operating income to assets | 1.9454% | 376 |
| Return on assets (ROA) | 1.9454% | 391 |
| Pretax return on assets | 2.1952% | 367 |
| Return on Equity (ROE) | 13.9588% | 962 |
| Retained earnings to average equity (ytd only) | 13.9588% | 265 |
| Net charge-offs to loans | 1.2628% | 240 |
| Credit loss provision to net charge-offs | 99.2063% | 2,033 |
| Earnings coverage of net charge-offs (x) | 3.3168% | 3,343 |
| Efficiency ratio | 49.1637% | 6,214 |
| Assets per employee ($millions) | 3.8036% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7150% | 211 |
| Loan loss allowance to noncurrent loans | 124.7639% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 3.2298% | 764 |
| Noncurrent loans to loans | 2.9776% | 980 |
| Net loans and leases to total assets | 71.1759% | 1,890 |
| Net loans and leases to deposits | 83.9007% | 2,046 |
| Net loans and leases to core deposits | 86.8033% | 2,437 |
| Total domestic deposits to total assets | 84.8334% | 3,591 |
| Equity capital to assets | 14.0938% | 934 |
| Core capital (leverage) ratio | 14.3338% | 750 |
| Tier 1 risk-based capital ratio | 20.7853% | 1,488 |
| Total risk-based capital ratio | 22.0697% | 1,462 |
| Memoranda: |
| Average total assets | $320,243,330 | 2,042 |
| Average earning assets | $277,634,330 | 2,160 |
| Average equity | $44,631,330 | 1,605 |
| Average total loans | $239,470,670 | 1,762 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7565% | 200 |
| Cost of funding earning assets | 0.5377% | 2,530 |
| Net interest margin | 5.2188% | 178 |
| Noninterest income to average assets | 1.7436% | 419 |
| Noninterest expense to average assets | 2.8193% | 3,496 |
| Loan and lease loss provision to assets | 0.9469% | 118 |
| Net operating income to assets | 2.4469% | 159 |
| Return on assets (ROA) | 2.4469% | 167 |
| Pretax return on assets | 2.5731% | 202 |
| Return on Equity (ROE) | 17.6599% | 465 |
| Retained earnings to average equity (ytd only) | 17.6599% | 192 |
| Net charge-offs to loans | 1.0306% | 322 |
| Credit loss provision to net charge-offs | 122.1498% | 1,442 |
| Earnings coverage of net charge-offs (x) | 4.5407% | 2,511 |
| Efficiency ratio | 44.4732% | 6,478 |
| Assets per employee ($millions) | 3.8374% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8092% | 215 |
| Loan loss allowance to noncurrent loans | 91.2370% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 4.3340% | 517 |
| Noncurrent loans to loans | 4.1751% | 624 |
| Net loans and leases to total assets | 72.3939% | 1,519 |
| Net loans and leases to deposits | 85.0432% | 1,717 |
| Net loans and leases to core deposits | 87.2353% | 2,171 |
| Total domestic deposits to total assets | 85.1260% | 3,811 |
| Equity capital to assets | 14.0897% | 890 |
| Core capital (leverage) ratio | 14.1749% | 766 |
| Tier 1 risk-based capital ratio | 20.5254% | 1,579 |
| Total risk-based capital ratio | 21.8114% | 1,540 |
| Memoranda: |
| Average total assets | $316,811,000 | 2,070 |
| Average earning assets | $278,990,500 | 2,152 |
| Average equity | $43,896,000 | 1,616 |
| Average total loans | $238,303,500 | 1,772 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9434% | 191 |
| Cost of funding earning assets | 0.5670% | 2,955 |
| Net interest margin | 5.3763% | 165 |
| Noninterest income to average assets | 1.1079% | 1,144 |
| Noninterest expense to average assets | 3.3390% | 2,025 |
| Loan and lease loss provision to assets | 1.4667% | 93 |
| Net operating income to assets | 1.1324% | 1,823 |
| Return on assets (ROA) | 1.1324% | 1,889 |
| Pretax return on assets | 1.1988% | 2,589 |
| Return on Equity (ROE) | 8.1872% | 2,933 |
| Retained earnings to average equity (ytd only) | 5.8566% | 2,064 |
| Net charge-offs to loans | 2.1095% | 165 |
| Credit loss provision to net charge-offs | 90.1169% | 2,754 |
| Earnings coverage of net charge-offs (x) | 1.6378% | 4,511 |
| Efficiency ratio | 55.6075% | 5,988 |
| Assets per employee ($millions) | 3.7966% | 4,273 |
| Cash dividends to net income (ytd only)* | 28.4657% | 3,350 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7970% | 229 |
| Loan loss allowance to noncurrent loans | 91.9264% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 4.4897% | 561 |
| Noncurrent loans to loans | 4.1304% | 684 |
| Net loans and leases to total assets | 72.3232% | 1,633 |
| Net loans and leases to deposits | 84.5361% | 1,862 |
| Net loans and leases to core deposits | 86.5933% | 2,386 |
| Total domestic deposits to total assets | 85.5531% | 3,485 |
| Equity capital to assets | 13.6189% | 1,027 |
| Core capital (leverage) ratio | 13.8550% | 867 |
| Tier 1 risk-based capital ratio | 20.0853% | 1,635 |
| Total risk-based capital ratio | 21.3715% | 1,594 |
| Memoranda: |
| Average total assets | $310,214,800 | 2,079 |
| Average earning assets | $282,534,200 | 2,093 |
| Average equity | $42,908,600 | 1,637 |
| Average total loans | $239,347,600 | 1,731 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0366% | 169 |
| Cost of funding earning assets | 0.5747% | 3,049 |
| Net interest margin | 5.4619% | 144 |
| Noninterest income to average assets | 1.1210% | 1,165 |
| Noninterest expense to average assets | 3.3148% | 2,037 |
| Loan and lease loss provision to assets | 0.9277% | 190 |
| Net operating income to assets | 1.8568% | 468 |
| Return on assets (ROA) | 1.8568% | 481 |
| Pretax return on assets | 1.8568% | 784 |
| Return on Equity (ROE) | 13.3713% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.3713% | 301 |
| Net charge-offs to loans | 0.8301% | 706 |
| Credit loss provision to net charge-offs | 143.9090% | 1,633 |
| Earnings coverage of net charge-offs (x) | 4.3193% | 3,471 |
| Efficiency ratio | 54.3474% | 6,078 |
| Assets per employee ($millions) | 3.7110% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1973% | 204 |
| Loan loss allowance to noncurrent loans | 143.6456% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 3.6346% | 911 |
| Noncurrent loans to loans | 2.9220% | 1,396 |
| Net loans and leases to total assets | 74.3198% | 1,245 |
| Net loans and leases to deposits | 87.4607% | 1,432 |
| Net loans and leases to core deposits | 89.7460% | 1,997 |
| Total domestic deposits to total assets | 84.9751% | 3,765 |
| Equity capital to assets | 14.3413% | 870 |
| Core capital (leverage) ratio | 14.4812% | 740 |
| Tier 1 risk-based capital ratio | 20.6702% | 1,567 |
| Total risk-based capital ratio | 21.9621% | 1,529 |
| Memoranda: |
| Average total assets | $308,988,500 | 2,093 |
| Average earning assets | $281,628,750 | 2,113 |
| Average equity | $42,906,750 | 1,644 |
| Average total loans | $239,959,500 | 1,721 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0565% | 167 |
| Cost of funding earning assets | 0.5851% | 3,083 |
| Net interest margin | 5.4714% | 139 |
| Noninterest income to average assets | 1.1140% | 1,225 |
| Noninterest expense to average assets | 3.3862% | 1,854 |
| Loan and lease loss provision to assets | 0.4220% | 717 |
| Net operating income to assets | 2.2897% | 223 |
| Return on assets (ROA) | 2.2897% | 232 |
| Pretax return on assets | 2.2897% | 350 |
| Return on Equity (ROE) | 16.6732% | 582 |
| Retained earnings to average equity (ytd only) | 16.6732% | 170 |
| Net charge-offs to loans | 0.2808% | 2,078 |
| Credit loss provision to net charge-offs | 193.4524% | 1,227 |
| Earnings coverage of net charge-offs (x) | 12.4315% | 1,979 |
| Efficiency ratio | 55.5307% | 6,014 |
| Assets per employee ($millions) | 3.6834% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0656% | 245 |
| Loan loss allowance to noncurrent loans | 134.1037% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 3.9883% | 865 |
| Noncurrent loans to loans | 3.0317% | 1,466 |
| Net loans and leases to total assets | 74.7918% | 1,130 |
| Net loans and leases to deposits | 87.7984% | 1,366 |
| Net loans and leases to core deposits | 90.3212% | 1,885 |
| Total domestic deposits to total assets | 85.1859% | 3,805 |
| Equity capital to assets | 14.2485% | 893 |
| Core capital (leverage) ratio | 14.3168% | 746 |
| Tier 1 risk-based capital ratio | 20.1800% | 1,683 |
| Total risk-based capital ratio | 21.4700% | 1,649 |
| Memoranda: |
| Average total assets | $308,077,000 | 2,097 |
| Average earning assets | $280,624,330 | 2,125 |
| Average equity | $42,307,330 | 1,669 |
| Average total loans | $239,338,670 | 1,728 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1634% | 134 |
| Cost of funding earning assets | 0.6059% | 3,058 |
| Net interest margin | 5.5574% | 116 |
| Noninterest income to average assets | 0.9134% | 1,714 |
| Noninterest expense to average assets | 3.0188% | 2,926 |
| Loan and lease loss provision to assets | 0.8458% | 252 |
| Net operating income to assets | 2.1209% | 280 |
| Return on assets (ROA) | 2.1209% | 305 |
| Pretax return on assets | 2.1209% | 472 |
| Return on Equity (ROE) | 15.7419% | 647 |
| Retained earnings to average equity (ytd only) | 15.7419% | 303 |
| Net charge-offs to loans | 0.8054% | 755 |
| Credit loss provision to net charge-offs | 135.4167% | 1,466 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 2,483 |
| Efficiency ratio | 50.4348% | 6,475 |
| Assets per employee ($millions) | 3.6018% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0856% | 265 |
| Loan loss allowance to noncurrent loans | 105.4216% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 4.9801% | 737 |
| Noncurrent loans to loans | 3.8755% | 1,182 |
| Net loans and leases to total assets | 73.2426% | 1,176 |
| Net loans and leases to deposits | 85.2934% | 1,444 |
| Net loans and leases to core deposits | 88.0707% | 1,902 |
| Total domestic deposits to total assets | 85.8714% | 3,600 |
| Equity capital to assets | 13.6353% | 1,167 |
| Core capital (leverage) ratio | 13.5752% | 917 |
| Tier 1 risk-based capital ratio | 19.7090% | 1,847 |
| Total risk-based capital ratio | 20.9989% | 1,805 |
| Memoranda: |
| Average total assets | $307,412,000 | 2,136 |
| Average earning assets | $280,560,500 | 2,145 |
| Average equity | $41,418,000 | 1,733 |
| Average total loans | $238,399,000 | 1,739 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8788% | 324 |
| Cost of funding earning assets | 0.8040% | 2,632 |
| Net interest margin | 5.0747% | 333 |
| Noninterest income to average assets | 0.8973% | 1,865 |
| Noninterest expense to average assets | 2.8770% | 3,731 |
| Loan and lease loss provision to assets | 1.6444% | 173 |
| Net operating income to assets | 1.0053% | 2,315 |
| Return on assets (ROA) | 1.0053% | 2,533 |
| Pretax return on assets | 1.0340% | 3,416 |
| Return on Equity (ROE) | 7.9437% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.9437% | 1,145 |
| Net charge-offs to loans | 2.3108% | 284 |
| Credit loss provision to net charge-offs | 88.0069% | 3,551 |
| Earnings coverage of net charge-offs (x) | 1.4335% | 4,735 |
| Efficiency ratio | 51.7876% | 6,474 |
| Assets per employee ($millions) | 3.5066% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9515% | 296 |
| Loan loss allowance to noncurrent loans | 65.8528% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 6.9748% | 445 |
| Noncurrent loans to loans | 6.0005% | 598 |
| Net loans and leases to total assets | 75.6443% | 973 |
| Net loans and leases to deposits | 87.7722% | 1,302 |
| Net loans and leases to core deposits | 90.7285% | 1,750 |
| Total domestic deposits to total assets | 86.1825% | 3,263 |
| Equity capital to assets | 13.3084% | 1,312 |
| Core capital (leverage) ratio | 13.1783% | 1,053 |
| Tier 1 risk-based capital ratio | 18.7398% | 2,034 |
| Total risk-based capital ratio | 20.0282% | 1,980 |
| Memoranda: |
| Average total assets | $310,146,600 | 2,072 |
| Average earning assets | $284,684,800 | 2,077 |
| Average equity | $39,251,000 | 1,772 |
| Average total loans | $250,779,800 | 1,642 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8964% | 337 |
| Cost of funding earning assets | 0.8392% | 2,634 |
| Net interest margin | 5.0572% | 367 |
| Noninterest income to average assets | 0.9209% | 1,759 |
| Noninterest expense to average assets | 2.7602% | 4,133 |
| Loan and lease loss provision to assets | 1.4985% | 212 |
| Net operating income to assets | 1.3088% | 1,422 |
| Return on assets (ROA) | 1.3093% | 1,558 |
| Pretax return on assets | 1.3093% | 2,564 |
| Return on Equity (ROE) | 10.4776% | 2,145 |
| Retained earnings to average equity (ytd only) | 10.4776% | 791 |
| Net charge-offs to loans | 2.0509% | 343 |
| Credit loss provision to net charge-offs | 89.7896% | 3,304 |
| Earnings coverage of net charge-offs (x) | 1.6821% | 4,430 |
| Efficiency ratio | 49.5771% | 6,619 |
| Assets per employee ($millions) | 3.5119% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9752% | 315 |
| Loan loss allowance to noncurrent loans | 71.2332% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 6.5663% | 570 |
| Noncurrent loans to loans | 5.5805% | 761 |
| Net loans and leases to total assets | 77.4101% | 805 |
| Net loans and leases to deposits | 90.1709% | 1,128 |
| Net loans and leases to core deposits | 93.7587% | 1,605 |
| Total domestic deposits to total assets | 85.8482% | 3,332 |
| Equity capital to assets | 13.2553% | 1,474 |
| Core capital (leverage) ratio | 13.0514% | 1,175 |
| Tier 1 risk-based capital ratio | 18.2271% | 2,257 |
| Total risk-based capital ratio | 19.5159% | 2,221 |
| Memoranda: |
| Average total assets | $311,415,750 | 2,087 |
| Average earning assets | $286,132,000 | 2,092 |
| Average equity | $38,913,750 | 1,805 |
| Average total loans | $253,409,250 | 1,647 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9478% | 319 |
| Cost of funding earning assets | 0.8613% | 2,718 |
| Net interest margin | 5.0865% | 344 |
| Noninterest income to average assets | 0.8686% | 1,893 |
| Noninterest expense to average assets | 2.7271% | 4,300 |
| Loan and lease loss provision to assets | 1.5955% | 217 |
| Net operating income to assets | 1.2273% | 1,617 |
| Return on assets (ROA) | 1.2471% | 1,747 |
| Pretax return on assets | 1.2471% | 2,736 |
| Return on Equity (ROE) | 10.1810% | 2,283 |
| Retained earnings to average equity (ytd only) | 10.1810% | 926 |
| Net charge-offs to loans | 1.6897% | 541 |
| Credit loss provision to net charge-offs | 115.6872% | 2,373 |
| Earnings coverage of net charge-offs (x) | 2.0467% | 3,965 |
| Efficiency ratio | 49.1375% | 6,700 |
| Assets per employee ($millions) | 3.6231% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1658% | 311 |
| Loan loss allowance to noncurrent loans | 88.1004% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 5.8962% | 730 |
| Noncurrent loans to loans | 4.7285% | 1,087 |
| Net loans and leases to total assets | 77.7296% | 758 |
| Net loans and leases to deposits | 89.5682% | 1,192 |
| Net loans and leases to core deposits | 93.2000% | 1,670 |
| Total domestic deposits to total assets | 86.7825% | 2,902 |
| Equity capital to assets | 12.6292% | 1,735 |
| Core capital (leverage) ratio | 12.6509% | 1,293 |
| Tier 1 risk-based capital ratio | 17.3317% | 2,534 |
| Total risk-based capital ratio | 18.6233% | 2,485 |
| Memoranda: |
| Average total assets | $313,377,330 | 2,069 |
| Average earning assets | $288,410,000 | 2,071 |
| Average equity | $38,385,330 | 1,819 |
| Average total loans | $255,778,000 | 1,628 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8061% | 419 |
| Cost of funding earning assets | 0.8858% | 2,794 |
| Net interest margin | 4.9203% | 455 |
| Noninterest income to average assets | 0.8248% | 2,048 |
| Noninterest expense to average assets | 2.7963% | 4,050 |
| Loan and lease loss provision to assets | 1.2728% | 287 |
| Net operating income to assets | 1.3084% | 1,437 |
| Return on assets (ROA) | 1.3084% | 1,602 |
| Pretax return on assets | 1.3084% | 2,507 |
| Return on Equity (ROE) | 10.8489% | 2,089 |
| Retained earnings to average equity (ytd only) | 10.8489% | 1,075 |
| Net charge-offs to loans | 1.1706% | 877 |
| Credit loss provision to net charge-offs | 132.8021% | 1,839 |
| Earnings coverage of net charge-offs (x) | 2.6932% | 3,107 |
| Efficiency ratio | 52.0000% | 6,541 |
| Assets per employee ($millions) | 3.7081% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0518% | 353 |
| Loan loss allowance to noncurrent loans | 73.4774% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 6.0453% | 778 |
| Noncurrent loans to loans | 5.5143% | 968 |
| Net loans and leases to total assets | 78.4072% | 546 |
| Net loans and leases to deposits | 89.9479% | 968 |
| Net loans and leases to core deposits | 93.0225% | 1,546 |
| Total domestic deposits to total assets | 87.1696% | 2,853 |
| Equity capital to assets | 12.1876% | 1,924 |
| Core capital (leverage) ratio | 12.2316% | 1,471 |
| Tier 1 risk-based capital ratio | 16.9363% | 2,703 |
| Total risk-based capital ratio | 18.2275% | 2,649 |
| Memoranda: |
| Average total assets | $314,272,000 | 2,065 |
| Average earning assets | $290,795,500 | 2,057 |
| Average equity | $37,902,500 | 1,835 |
| Average total loans | $257,305,000 | 1,622 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0684% | 384 |
| Cost of funding earning assets | 1.2138% | 1,936 |
| Net interest margin | 4.8546% | 567 |
| Noninterest income to average assets | 1.0757% | 1,156 |
| Noninterest expense to average assets | 2.4601% | 5,598 |
| Loan and lease loss provision to assets | 2.2995% | 216 |
| Net operating income to assets | 0.8861% | 2,661 |
| Return on assets (ROA) | 0.8861% | 2,794 |
| Pretax return on assets | 0.7842% | 4,035 |
| Return on Equity (ROE) | 7.8129% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.8129% | 1,150 |
| Net charge-offs to loans | 1.9579% | 716 |
| Credit loss provision to net charge-offs | 137.4366% | 2,164 |
| Earnings coverage of net charge-offs (x) | 1.8431% | 4,392 |
| Efficiency ratio | 44.3764% | 7,110 |
| Assets per employee ($millions) | 3.6865% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9639% | 393 |
| Loan loss allowance to noncurrent loans | 83.8394% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 5.5065% | 931 |
| Noncurrent loans to loans | 4.7280% | 1,239 |
| Net loans and leases to total assets | 78.7777% | 631 |
| Net loans and leases to deposits | 90.0523% | 1,153 |
| Net loans and leases to core deposits | 93.7639% | 1,721 |
| Total domestic deposits to total assets | 87.4800% | 2,482 |
| Equity capital to assets | 11.9325% | 2,178 |
| Core capital (leverage) ratio | 12.2265% | 1,478 |
| Tier 1 risk-based capital ratio | 16.5405% | 2,803 |
| Total risk-based capital ratio | 17.8305% | 2,757 |
| Memoranda: |
| Average total assets | $318,031,800 | 2,019 |
| Average earning assets | $292,711,200 | 1,999 |
| Average equity | $36,068,400 | 1,884 |
| Average total loans | $271,764,600 | 1,554 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1253% | 376 |
| Cost of funding earning assets | 1.2907% | 1,762 |
| Net interest margin | 4.8347% | 581 |
| Noninterest income to average assets | 1.1625% | 973 |
| Noninterest expense to average assets | 2.5572% | 5,249 |
| Loan and lease loss provision to assets | 2.0104% | 270 |
| Net operating income to assets | 1.0401% | 2,179 |
| Return on assets (ROA) | 1.0401% | 2,331 |
| Pretax return on assets | 1.0401% | 3,249 |
| Return on Equity (ROE) | 9.2897% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.2897% | 1,045 |
| Net charge-offs to loans | 1.4672% | 999 |
| Credit loss provision to net charge-offs | 158.7925% | 1,948 |
| Earnings coverage of net charge-offs (x) | 2.4094% | 3,917 |
| Efficiency ratio | 45.6015% | 7,081 |
| Assets per employee ($millions) | 3.5263% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6902% | 492 |
| Loan loss allowance to noncurrent loans | 90.4059% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 5.2456% | 1,088 |
| Noncurrent loans to loans | 4.0818% | 1,626 |
| Net loans and leases to total assets | 84.8911% | 166 |
| Net loans and leases to deposits | 97.4256% | 612 |
| Net loans and leases to core deposits | 101.7932% | 1,106 |
| Total domestic deposits to total assets | 87.1343% | 2,562 |
| Equity capital to assets | 12.0815% | 2,189 |
| Core capital (leverage) ratio | 11.8193% | 1,815 |
| Tier 1 risk-based capital ratio | 15.7769% | 3,233 |
| Total risk-based capital ratio | 17.0638% | 3,168 |
| Memoranda: |
| Average total assets | $319,201,000 | 2,015 |
| Average earning assets | $293,483,750 | 2,004 |
| Average equity | $35,737,750 | 1,895 |
| Average total loans | $275,445,000 | 1,557 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9390% | 534 |
| Cost of funding earning assets | 1.3768% | 1,516 |
| Net interest margin | 4.5622% | 988 |
| Noninterest income to average assets | 1.3911% | 657 |
| Noninterest expense to average assets | 2.5435% | 5,381 |
| Loan and lease loss provision to assets | 1.6781% | 405 |
| Net operating income to assets | 1.3590% | 1,173 |
| Return on assets (ROA) | 1.3590% | 1,246 |
| Pretax return on assets | 1.3590% | 1,927 |
| Return on Equity (ROE) | 12.4492% | 1,357 |
| Retained earnings to average equity (ytd only) | 12.4492% | 464 |
| Net charge-offs to loans | 0.8343% | 1,837 |
| Credit loss provision to net charge-offs | 234.6886% | 1,282 |
| Earnings coverage of net charge-offs (x) | 4.2474% | 2,917 |
| Efficiency ratio | 45.5775% | 7,174 |
| Assets per employee ($millions) | 3.7090% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5437% | 580 |
| Loan loss allowance to noncurrent loans | 66.8174% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 6.1667% | 897 |
| Noncurrent loans to loans | 5.3036% | 1,213 |
| Net loans and leases to total assets | 83.2343% | 290 |
| Net loans and leases to deposits | 94.7580% | 821 |
| Net loans and leases to core deposits | 99.5508% | 1,385 |
| Total domestic deposits to total assets | 87.8387% | 2,254 |
| Equity capital to assets | 11.5305% | 2,477 |
| Core capital (leverage) ratio | 11.3077% | 2,046 |
| Tier 1 risk-based capital ratio | 15.0624% | 3,462 |
| Total risk-based capital ratio | 16.3463% | 3,414 |
| Memoranda: |
| Average total assets | $323,337,330 | 2,005 |
| Average earning assets | $296,920,670 | 1,995 |
| Average equity | $35,295,330 | 1,900 |
| Average total loans | $277,120,670 | 1,566 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8869% | 611 |
| Cost of funding earning assets | 1.4530% | 1,372 |
| Net interest margin | 4.4339% | 1,209 |
| Noninterest income to average assets | 1.9194% | 381 |
| Noninterest expense to average assets | 2.6886% | 4,882 |
| Loan and lease loss provision to assets | 3.3337% | 137 |
| Net operating income to assets | -0.0307% | 6,390 |
| Return on assets (ROA) | -0.0307% | 6,413 |
| Pretax return on assets | -0.0307% | 6,390 |
| Return on Equity (ROE) | -0.2894% | 6,413 |
| Retained earnings to average equity (ytd only) | -0.2894% | 5,847 |
| Net charge-offs to loans | 0.6560% | 1,895 |
| Credit loss provision to net charge-offs | 594.9561% | 632 |
| Earnings coverage of net charge-offs (x) | 5.8947% | 2,191 |
| Efficiency ratio | 44.8728% | 7,249 |
| Assets per employee ($millions) | 3.7622% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8076% | 487 |
| Loan loss allowance to noncurrent loans | 97.1923% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 4.7811% | 1,333 |
| Noncurrent loans to loans | 3.9176% | 1,872 |
| Net loans and leases to total assets | 80.6898% | 452 |
| Net loans and leases to deposits | 90.6030% | 1,173 |
| Net loans and leases to core deposits | 95.6389% | 1,698 |
| Total domestic deposits to total assets | 89.0587% | 1,735 |
| Equity capital to assets | 10.5530% | 3,124 |
| Core capital (leverage) ratio | 10.5756% | 2,533 |
| Tier 1 risk-based capital ratio | 14.3336% | 3,845 |
| Total risk-based capital ratio | 15.6216% | 3,786 |
| Memoranda: |
| Average total assets | $325,520,000 | 2,006 |
| Average earning assets | $298,969,500 | 1,999 |
| Average equity | $34,553,500 | 1,919 |
| Average total loans | $278,057,000 | 1,573 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6068% | 277 |
| Cost of funding earning assets | 1.7928% | 1,198 |
| Net interest margin | 4.8140% | 654 |
| Noninterest income to average assets | 0.9652% | 1,628 |
| Noninterest expense to average assets | 2.5854% | 5,473 |
| Loan and lease loss provision to assets | 2.1932% | 565 |
| Net operating income to assets | 0.5317% | 3,959 |
| Return on assets (ROA) | 0.5317% | 4,113 |
| Pretax return on assets | 0.5971% | 4,336 |
| Return on Equity (ROE) | 5.0062% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.5693% | 3,358 |
| Net charge-offs to loans | 3.0793% | 524 |
| Credit loss provision to net charge-offs | 81.1406% | 5,518 |
| Earnings coverage of net charge-offs (x) | 1.0323% | 5,081 |
| Efficiency ratio | 43.3422% | 7,432 |
| Assets per employee ($millions) | 3.6374% | 4,613 |
| Cash dividends to net income (ytd only)* | 28.7026% | 3,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9113% | 941 |
| Loan loss allowance to noncurrent loans | 95.9499% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 4.1942% | 1,599 |
| Noncurrent loans to loans | 3.0342% | 2,515 |
| Net loans and leases to total assets | 84.4399% | 269 |
| Net loans and leases to deposits | 95.1280% | 938 |
| Net loans and leases to core deposits | 101.2613% | 1,512 |
| Total domestic deposits to total assets | 88.7644% | 1,789 |
| Equity capital to assets | 10.6774% | 2,985 |
| Core capital (leverage) ratio | 10.7013% | 2,379 |
| Tier 1 risk-based capital ratio | 13.6343% | 4,107 |
| Total risk-based capital ratio | 14.9087% | 4,063 |
| Memoranda: |
| Average total assets | $327,603,400 | 1,985 |
| Average earning assets | $300,145,800 | 1,977 |
| Average equity | $34,796,800 | 1,901 |
| Average total loans | $287,569,000 | 1,559 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6536% | 259 |
| Cost of funding earning assets | 1.8505% | 1,212 |
| Net interest margin | 4.8031% | 675 |
| Noninterest income to average assets | 0.8870% | 1,845 |
| Noninterest expense to average assets | 2.2537% | 6,453 |
| Loan and lease loss provision to assets | 1.7144% | 738 |
| Net operating income to assets | 1.1209% | 1,822 |
| Return on assets (ROA) | 1.1674% | 1,781 |
| Pretax return on assets | 1.3740% | 1,954 |
| Return on Equity (ROE) | 11.0055% | 1,785 |
| Retained earnings to average equity (ytd only) | 9.0928% | 1,027 |
| Net charge-offs to loans | 2.1051% | 877 |
| Credit loss provision to net charge-offs | 92.5723% | 4,670 |
| Earnings coverage of net charge-offs (x) | 1.6380% | 4,482 |
| Efficiency ratio | 42.6247% | 7,508 |
| Assets per employee ($millions) | 3.6568% | 4,599 |
| Cash dividends to net income (ytd only)* | 17.3792% | 3,067 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3141% | 629 |
| Loan loss allowance to noncurrent loans | 121.1443% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 3.7772% | 1,883 |
| Noncurrent loans to loans | 2.7356% | 2,904 |
| Net loans and leases to total assets | 86.3813% | 173 |
| Net loans and leases to deposits | 98.0809% | 788 |
| Net loans and leases to core deposits | 105.1975% | 1,386 |
| Total domestic deposits to total assets | 88.0714% | 1,921 |
| Equity capital to assets | 11.1023% | 2,849 |
| Core capital (leverage) ratio | 10.6587% | 2,544 |
| Tier 1 risk-based capital ratio | 13.0561% | 4,534 |
| Total risk-based capital ratio | 14.3347% | 4,488 |
| Memoranda: |
| Average total assets | $328,571,500 | 2,008 |
| Average earning assets | $301,022,500 | 2,008 |
| Average equity | $34,854,500 | 1,922 |
| Average total loans | $289,072,500 | 1,565 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5753% | 300 |
| Cost of funding earning assets | 1.8961% | 1,256 |
| Net interest margin | 4.6792% | 844 |
| Noninterest income to average assets | 0.8748% | 1,782 |
| Noninterest expense to average assets | 2.1244% | 6,831 |
| Loan and lease loss provision to assets | 1.4056% | 955 |
| Net operating income to assets | 1.3999% | 1,092 |
| Return on assets (ROA) | 1.4878% | 993 |
| Pretax return on assets | 1.7405% | 980 |
| Return on Equity (ROE) | 14.2404% | 989 |
| Retained earnings to average equity (ytd only) | 13.6617% | 330 |
| Net charge-offs to loans | 0.5939% | 2,743 |
| Credit loss provision to net charge-offs | 270.3488% | 1,396 |
| Earnings coverage of net charge-offs (x) | 5.8523% | 2,583 |
| Efficiency ratio | 41.1138% | 7,620 |
| Assets per employee ($millions) | 3.7635% | 4,310 |
| Cash dividends to net income (ytd only)* | 4.0634% | 3,269 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8669% | 413 |
| Loan loss allowance to noncurrent loans | 187.5538% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 3.0897% | 2,296 |
| Noncurrent loans to loans | 2.0618% | 3,642 |
| Net loans and leases to total assets | 84.1076% | 343 |
| Net loans and leases to deposits | 95.0155% | 1,147 |
| Net loans and leases to core deposits | 101.7128% | 1,851 |
| Total domestic deposits to total assets | 88.5198% | 1,714 |
| Equity capital to assets | 10.6597% | 3,210 |
| Core capital (leverage) ratio | 10.4473% | 2,670 |
| Tier 1 risk-based capital ratio | 12.3430% | 4,999 |
| Total risk-based capital ratio | 13.6294% | 4,946 |
| Memoranda: |
| Average total assets | $330,829,000 | 2,008 |
| Average earning assets | $303,470,670 | 2,006 |
| Average equity | $34,563,670 | 1,933 |
| Average total loans | $289,596,000 | 1,584 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4592% | 391 |
| Cost of funding earning assets | 1.9354% | 1,306 |
| Net interest margin | 4.5238% | 1,092 |
| Noninterest income to average assets | 0.8614% | 1,764 |
| Noninterest expense to average assets | 2.1462% | 6,818 |
| Loan and lease loss provision to assets | 1.0950% | 1,122 |
| Net operating income to assets | 1.7836% | 514 |
| Return on assets (ROA) | 1.7836% | 562 |
| Pretax return on assets | 1.7836% | 904 |
| Return on Equity (ROE) | 17.2506% | 585 |
| Retained earnings to average equity (ytd only) | 16.0739% | 335 |
| Net charge-offs to loans | 0.9004% | 1,770 |
| Credit loss provision to net charge-offs | 138.8889% | 2,544 |
| Earnings coverage of net charge-offs (x) | 3.6512% | 2,836 |
| Efficiency ratio | 42.7119% | 7,657 |
| Assets per employee ($millions) | 3.7687% | 4,384 |
| Cash dividends to net income (ytd only)* | 6.8213% | 2,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5180% | 539 |
| Loan loss allowance to noncurrent loans | 541.7024% | 587 |
| Noncurrent assets plus other real estate owned to assets | 1.8866% | 3,655 |
| Noncurrent loans to loans | 0.6494% | 6,027 |
| Net loans and leases to total assets | 82.7375% | 499 |
| Net loans and leases to deposits | 92.7501% | 1,505 |
| Net loans and leases to core deposits | 99.3556% | 2,197 |
| Total domestic deposits to total assets | 89.2047% | 1,414 |
| Equity capital to assets | 10.3385% | 3,424 |
| Core capital (leverage) ratio | 10.1842% | 2,947 |
| Tier 1 risk-based capital ratio | 12.2930% | 4,907 |
| Total risk-based capital ratio | 13.5658% | 4,850 |
| Memoranda: |
| Average total assets | $328,767,500 | 2,078 |
| Average earning assets | $302,577,000 | 2,067 |
| Average equity | $33,993,000 | 1,987 |
| Average total loans | $287,868,000 | 1,638 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6922% | 472 |
| Cost of funding earning assets | 2.5456% | 904 |
| Net interest margin | 4.1466% | 2,260 |
| Noninterest income to average assets | 0.8630% | 2,127 |
| Noninterest expense to average assets | 2.5572% | 5,930 |
| Loan and lease loss provision to assets | 1.5593% | 1,474 |
| Net operating income to assets | 0.4257% | 4,025 |
| Return on assets (ROA) | 0.3352% | 4,483 |
| Pretax return on assets | 0.4690% | 4,290 |
| Return on Equity (ROE) | 3.3546% | 4,358 |
| Retained earnings to average equity (ytd only) | 2.3644% | 3,462 |
| Net charge-offs to loans | 0.9585% | 2,483 |
| Credit loss provision to net charge-offs | 185.8470% | 2,187 |
| Earnings coverage of net charge-offs (x) | 2.5693% | 3,833 |
| Efficiency ratio | 54.2597% | 7,204 |
| Assets per employee ($millions) | 3.6193% | 4,732 |
| Cash dividends to net income (ytd only)* | 29.5170% | 3,344 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4248% | 562 |
| Loan loss allowance to noncurrent loans | 726.5832% | 472 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 4,369 |
| Noncurrent loans to loans | 0.4714% | 6,312 |
| Net loans and leases to total assets | 86.3765% | 257 |
| Net loans and leases to deposits | 97.1277% | 1,198 |
| Net loans and leases to core deposits | 140.1714% | 808 |
| Total domestic deposits to total assets | 88.9308% | 1,510 |
| Equity capital to assets | 10.3406% | 3,353 |
| Core capital (leverage) ratio | 9.9889% | 3,103 |
| Tier 1 risk-based capital ratio | 11.8784% | 5,052 |
| Total risk-based capital ratio | 13.1504% | 4,988 |
| Memoranda: |
| Average total assets | $333,488,800 | 2,035 |
| Average earning assets | $309,627,800 | 2,009 |
| Average equity | $33,327,200 | 2,011 |
| Average total loans | $291,907,400 | 1,641 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6871% | 523 |
| Cost of funding earning assets | 2.6838% | 824 |
| Net interest margin | 4.0033% | 2,804 |
| Noninterest income to average assets | 0.8483% | 2,212 |
| Noninterest expense to average assets | 2.3298% | 6,628 |
| Loan and lease loss provision to assets | 1.1893% | 1,634 |
| Net operating income to assets | 0.8184% | 2,732 |
| Return on assets (ROA) | 0.6870% | 3,307 |
| Pretax return on assets | 0.8844% | 3,274 |
| Return on Equity (ROE) | 6.9322% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.0121% | 1,944 |
| Net charge-offs to loans | 1.1259% | 1,782 |
| Credit loss provision to net charge-offs | 121.3101% | 4,183 |
| Earnings coverage of net charge-offs (x) | 2.2871% | 4,110 |
| Efficiency ratio | 50.9581% | 7,490 |
| Assets per employee ($millions) | 3.6069% | 4,672 |
| Cash dividends to net income (ytd only)* | 13.2718% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7364% | 846 |
| Loan loss allowance to noncurrent loans | 267.0231% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2202% | 4,630 |
| Noncurrent loans to loans | 1.0248% | 5,258 |
| Net loans and leases to total assets | 85.6053% | 381 |
| Net loans and leases to deposits | 95.9981% | 1,577 |
| Net loans and leases to core deposits | 140.3355% | 900 |
| Total domestic deposits to total assets | 89.1739% | 1,119 |
| Equity capital to assets | 10.2587% | 3,777 |
| Core capital (leverage) ratio | 10.0092% | 3,269 |
| Tier 1 risk-based capital ratio | 12.0503% | 4,928 |
| Total risk-based capital ratio | 13.3187% | 4,851 |
| Memoranda: |
| Average total assets | $336,331,000 | 2,036 |
| Average earning assets | $312,835,000 | 2,015 |
| Average equity | $33,331,750 | 2,039 |
| Average total loans | $292,858,500 | 1,659 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6578% | 588 |
| Cost of funding earning assets | 2.8293% | 728 |
| Net interest margin | 3.8284% | 3,424 |
| Noninterest income to average assets | 0.8158% | 2,335 |
| Noninterest expense to average assets | 2.2651% | 6,865 |
| Loan and lease loss provision to assets | 0.8880% | 1,900 |
| Net operating income to assets | 0.8355% | 2,720 |
| Return on assets (ROA) | 0.6619% | 3,530 |
| Pretax return on assets | 0.9567% | 3,157 |
| Return on Equity (ROE) | 6.7563% | 3,301 |
| Retained earnings to average equity (ytd only) | 5.9707% | 2,033 |
| Net charge-offs to loans | 0.1187% | 4,972 |
| Credit loss provision to net charge-offs | 862.0690% | 555 |
| Earnings coverage of net charge-offs (x) | 20.3506% | 1,317 |
| Efficiency ratio | 51.9343% | 7,519 |
| Assets per employee ($millions) | 3.5641% | 4,654 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0027% | 566 |
| Loan loss allowance to noncurrent loans | 162.1956% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 1.9764% | 3,228 |
| Noncurrent loans to loans | 1.8513% | 3,733 |
| Net loans and leases to total assets | 85.6754% | 412 |
| Net loans and leases to deposits | 95.9038% | 1,814 |
| Net loans and leases to core deposits | 134.0493% | 1,316 |
| Total domestic deposits to total assets | 89.3347% | 1,106 |
| Equity capital to assets | 10.1253% | 3,793 |
| Core capital (leverage) ratio | 9.7357% | 3,592 |
| Tier 1 risk-based capital ratio | 11.7984% | 5,105 |
| Total risk-based capital ratio | 13.0745% | 4,994 |
| Memoranda: |
| Average total assets | $337,829,000 | 2,051 |
| Average earning assets | $312,868,330 | 2,039 |
| Average equity | $33,095,000 | 2,053 |
| Average total loans | $293,124,000 | 1,690 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7490% | 531 |
| Cost of funding earning assets | 2.9844% | 624 |
| Net interest margin | 3.7646% | 3,602 |
| Noninterest income to average assets | 0.8410% | 2,120 |
| Noninterest expense to average assets | 2.2943% | 6,563 |
| Loan and lease loss provision to assets | 0.8797% | 1,493 |
| Net operating income to assets | 0.6909% | 3,602 |
| Return on assets (ROA) | 0.6909% | 3,785 |
| Pretax return on assets | 1.1366% | 2,845 |
| Return on Equity (ROE) | 7.1694% | 3,525 |
| Retained earnings to average equity (ytd only) | 5.9522% | 2,652 |
| Net charge-offs to loans | 0.0859% | 4,306 |
| Credit loss provision to net charge-offs | 1,190.4762% | 539 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 1,141 |
| Efficiency ratio | 53.2245% | 7,292 |
| Assets per employee ($millions) | 3.5722% | 4,647 |
| Cash dividends to net income (ytd only)* | 16.9779% | 2,615 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7933% | 583 |
| Loan loss allowance to noncurrent loans | 243.9258% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 1.2149% | 4,247 |
| Noncurrent loans to loans | 1.1451% | 4,703 |
| Net loans and leases to total assets | 83.5972% | 752 |
| Net loans and leases to deposits | 93.2434% | 2,397 |
| Net loans and leases to core deposits | 129.0047% | 1,716 |
| Total domestic deposits to total assets | 89.6548% | 947 |
| Equity capital to assets | 9.7526% | 4,305 |
| Core capital (leverage) ratio | 9.3375% | 4,189 |
| Tier 1 risk-based capital ratio | 11.5419% | 5,362 |
| Total risk-based capital ratio | 12.8125% | 5,248 |
| Memoranda: |
| Average total assets | $341,014,500 | 2,036 |
| Average earning assets | $314,297,500 | 2,038 |
| Average equity | $32,862,000 | 2,060 |
| Average total loans | $293,301,500 | 1,696 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.0989% | 171 |
| Cost of funding earning assets | 3.5082% | 505 |
| Net interest margin | 4.5908% | 1,208 |
| Noninterest income to average assets | 0.8378% | 2,306 |
| Noninterest expense to average assets | 2.2893% | 6,736 |
| Loan and lease loss provision to assets | 1.1698% | 1,240 |
| Net operating income to assets | 1.1192% | 2,074 |
| Return on assets (ROA) | 1.1192% | 1,986 |
| Pretax return on assets | 1.6875% | 1,170 |
| Return on Equity (ROE) | 12.1125% | 1,563 |
| Retained earnings to average equity (ytd only) | 9.2278% | 570 |
| Net charge-offs to loans | 1.1755% | 1,028 |
| Credit loss provision to net charge-offs | 116.0059% | 4,653 |
| Earnings coverage of net charge-offs (x) | 2.8335% | 4,658 |
| Efficiency ratio | 44.4815% | 7,992 |
| Assets per employee ($millions) | 3.6071% | 4,395 |
| Cash dividends to net income (ytd only)* | 23.8158% | 4,316 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5326% | 654 |
| Loan loss allowance to noncurrent loans | 530.9388% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 5,455 |
| Noncurrent loans to loans | 0.4770% | 5,919 |
| Net loans and leases to total assets | 83.8391% | 909 |
| Net loans and leases to deposits | 93.2243% | 2,921 |
| Net loans and leases to core deposits | 129.4707% | 1,890 |
| Total domestic deposits to total assets | 89.9326% | 669 |
| Equity capital to assets | 9.5216% | 4,654 |
| Core capital (leverage) ratio | 9.2359% | 4,384 |
| Tier 1 risk-based capital ratio | 11.1797% | 5,558 |
| Total risk-based capital ratio | 12.4468% | 5,425 |
| Memoranda: |
| Average total assets | $337,658,200 | 1,972 |
| Average earning assets | $316,918,000 | 1,924 |
| Average equity | $31,199,200 | 2,160 |
| Average total loans | $289,660,600 | 1,670 |
