Home > JONES BANK > Performance and Condition Ratios
JONES BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 3,408 |
| Cost of funding earning assets | 1.5492% | 1,812 |
| Net interest margin | 2.7702% | 3,718 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.9444% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1692% | 1,725 |
| Return on assets (ROA) | 1.1891% | 1,651 |
| Pretax return on assets | 1.2236% | 2,082 |
| Return on Equity (ROE) | 25.2900% | 301 |
| Retained earnings to average equity (ytd only) | 9.7776% | 1,070 |
| Net charge-offs to loans | -0.0231% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.3070% | 2,939 |
| Assets per employee ($millions) | 7.8607% | 1,513 |
| Cash dividends to net income (ytd only)* | 61.3435% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 697 |
| Loan loss allowance to noncurrent loans | 5,946.2687% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,653 |
| Noncurrent loans to loans | 0.0282% | 3,539 |
| Net loans and leases to total assets | 52.9900% | 3,414 |
| Net loans and leases to deposits | 68.1404% | 3,021 |
| Net loans and leases to core deposits | 73.7098% | 3,090 |
| Total domestic deposits to total assets | 77.7700% | 3,758 |
| Equity capital to assets | 5.4316% | 4,352 |
| Core capital (leverage) ratio | 9.6509% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $418,123,000 | 1,960 |
| Average earning assets | $401,237,800 | 1,904 |
| Average equity | $19,657,200 | 2,887 |
| Average total loans | $220,467,800 | 2,161 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2352% | 3,411 |
| Cost of funding earning assets | 1.3776% | 1,926 |
| Net interest margin | 2.8576% | 3,622 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 1.9534% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2200% | 1,734 |
| Return on assets (ROA) | 1.2354% | 1,684 |
| Pretax return on assets | 1.2748% | 2,110 |
| Return on Equity (ROE) | 27.4100% | 298 |
| Retained earnings to average equity (ytd only) | 8.0526% | 1,948 |
| Net charge-offs to loans | -0.0222% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.3159% | 2,929 |
| Assets per employee ($millions) | 7.5081% | 1,625 |
| Cash dividends to net income (ytd only)* | 70.6252% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 698 |
| Loan loss allowance to noncurrent loans | 643.2739% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,592 |
| Noncurrent loans to loans | 0.2645% | 2,289 |
| Net loans and leases to total assets | 54.5300% | 3,321 |
| Net loans and leases to deposits | 67.2314% | 3,042 |
| Net loans and leases to core deposits | 71.7065% | 3,117 |
| Total domestic deposits to total assets | 81.1100% | 3,363 |
| Equity capital to assets | 3.6974% | 4,433 |
| Core capital (leverage) ratio | 9.7586% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $412,604,250 | 1,979 |
| Average earning assets | $395,755,750 | 1,919 |
| Average equity | $18,594,000 | 2,960 |
| Average total loans | $216,268,250 | 2,186 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 3,443 |
| Cost of funding earning assets | 1.1790% | 2,054 |
| Net interest margin | 2.9451% | 3,570 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 1.9908% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2079% | 1,816 |
| Return on assets (ROA) | 1.2244% | 1,756 |
| Pretax return on assets | 1.2635% | 2,179 |
| Return on Equity (ROE) | 25.6000% | 356 |
| Retained earnings to average equity (ytd only) | 3.1617% | 3,430 |
| Net charge-offs to loans | -0.0332% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.9403% | 2,853 |
| Assets per employee ($millions) | 6.8820% | 2,015 |
| Cash dividends to net income (ytd only)* | 87.6494% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 608 |
| Loan loss allowance to noncurrent loans | 6,103.0769% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,682 |
| Noncurrent loans to loans | 0.0296% | 3,539 |
| Net loans and leases to total assets | 52.3100% | 3,384 |
| Net loans and leases to deposits | 61.6237% | 3,332 |
| Net loans and leases to core deposits | 64.7700% | 3,406 |
| Total domestic deposits to total assets | 84.8800% | 2,577 |
| Equity capital to assets | 4.6089% | 4,430 |
| Core capital (leverage) ratio | 9.5591% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $409,988,000 | 1,982 |
| Average earning assets | $393,057,000 | 1,937 |
| Average equity | $19,610,000 | 2,898 |
| Average total loans | $210,605,333 | 2,217 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,574 |
| Cost of funding earning assets | 0.9551% | 2,201 |
| Net interest margin | 2.9881% | 3,631 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.9162% | 3,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2812% | 1,719 |
| Return on assets (ROA) | 1.2964% | 1,655 |
| Pretax return on assets | 1.3355% | 2,072 |
| Return on Equity (ROE) | 26.6100% | 333 |
| Retained earnings to average equity (ytd only) | 0.4824% | 3,950 |
| Net charge-offs to loans | -0.0738% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.6384% | 3,115 |
| Assets per employee ($millions) | 7.0347% | 1,953 |
| Cash dividends to net income (ytd only)* | 98.1873% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 487 |
| Loan loss allowance to noncurrent loans | 8,544.6809% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 3,747 |
| Noncurrent loans to loans | 0.0228% | 3,607 |
| Net loans and leases to total assets | 48.7600% | 3,583 |
| Net loans and leases to deposits | 56.0994% | 3,568 |
| Net loans and leases to core deposits | 58.7580% | 3,595 |
| Total domestic deposits to total assets | 86.9100% | 2,301 |
| Equity capital to assets | 4.8777% | 4,437 |
| Core capital (leverage) ratio | 9.7734% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $408,523,500 | 2,011 |
| Average earning assets | $390,754,000 | 1,969 |
| Average equity | $19,899,500 | 2,904 |
| Average total loans | $205,933,500 | 2,261 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 2,788 |
| Cost of funding earning assets | 0.4430% | 1,774 |
| Net interest margin | 3.1631% | 2,974 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.0046% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3058% | 1,404 |
| Return on assets (ROA) | 1.3016% | 1,384 |
| Pretax return on assets | 1.3422% | 1,952 |
| Return on Equity (ROE) | 20.1500% | 466 |
| Retained earnings to average equity (ytd only) | 5.9067% | 2,679 |
| Net charge-offs to loans | -0.0159% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.1576% | 3,166 |
| Assets per employee ($millions) | 7.3091% | 1,751 |
| Cash dividends to net income (ytd only)* | 70.6816% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 487 |
| Loan loss allowance to noncurrent loans | 3,107.0313% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,490 |
| Noncurrent loans to loans | 0.0623% | 3,305 |
| Net loans and leases to total assets | 50.1300% | 3,495 |
| Net loans and leases to deposits | 57.9798% | 3,462 |
| Net loans and leases to core deposits | 60.4954% | 3,479 |
| Total domestic deposits to total assets | 86.4500% | 2,587 |
| Equity capital to assets | 4.8642% | 4,394 |
| Core capital (leverage) ratio | 9.8195% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $396,727,800 | 2,039 |
| Average earning assets | $377,693,200 | 1,994 |
| Average equity | $25,631,800 | 2,553 |
| Average total loans | $194,903,800 | 2,275 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 2,623 |
| Cost of funding earning assets | 0.3301% | 1,863 |
| Net interest margin | 3.1684% | 2,718 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.0036% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3124% | 1,313 |
| Return on assets (ROA) | 1.3022% | 1,311 |
| Pretax return on assets | 1.3427% | 1,910 |
| Return on Equity (ROE) | 18.9600% | 531 |
| Retained earnings to average equity (ytd only) | 4.2330% | 3,366 |
| Net charge-offs to loans | -0.0229% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.0055% | 3,245 |
| Assets per employee ($millions) | 7.0294% | 1,918 |
| Cash dividends to net income (ytd only)* | 77.6800% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 580 |
| Loan loss allowance to noncurrent loans | 3,158.7302% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,607 |
| Noncurrent loans to loans | 0.0607% | 3,446 |
| Net loans and leases to total assets | 50.8400% | 3,395 |
| Net loans and leases to deposits | 57.0757% | 3,402 |
| Net loans and leases to core deposits | 59.6602% | 3,406 |
| Total domestic deposits to total assets | 89.0800% | 2,057 |
| Equity capital to assets | 3.7702% | 4,502 |
| Core capital (leverage) ratio | 9.7635% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $395,410,000 | 2,062 |
| Average earning assets | $376,797,750 | 2,019 |
| Average equity | $27,151,250 | 2,503 |
| Average total loans | $192,259,000 | 2,287 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4045% | 2,419 |
| Cost of funding earning assets | 0.2734% | 1,983 |
| Net interest margin | 3.1310% | 2,434 |
| Noninterest income to average assets | 0.3577% | 3,005 |
| Noninterest expense to average assets | 1.9631% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3388% | 1,051 |
| Return on assets (ROA) | 1.3235% | 1,062 |
| Pretax return on assets | 1.3631% | 1,542 |
| Return on Equity (ROE) | 16.7168% | 602 |
| Retained earnings to average equity (ytd only) | 1.6364% | 3,844 |
| Net charge-offs to loans | -0.0353% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9964% | 3,561 |
| Assets per employee ($millions) | 6.7393% | 2,132 |
| Cash dividends to net income (ytd only)* | 90.2111% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 514 |
| Loan loss allowance to noncurrent loans | 2,472.0497% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,584 |
| Noncurrent loans to loans | 0.0824% | 3,369 |
| Net loans and leases to total assets | 48.1651% | 3,538 |
| Net loans and leases to deposits | 54.3142% | 3,519 |
| Net loans and leases to core deposits | 56.6407% | 3,516 |
| Total domestic deposits to total assets | 88.6786% | 2,308 |
| Equity capital to assets | 4.7199% | 4,531 |
| Core capital (leverage) ratio | 9.7877% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,655,667 | 2,077 |
| Average earning assets | $375,211,667 | 2,047 |
| Average equity | $31,166,333 | 2,358 |
| Average total loans | $187,111,667 | 2,329 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3953% | 2,099 |
| Cost of funding earning assets | 0.2640% | 1,991 |
| Net interest margin | 3.1314% | 2,080 |
| Noninterest income to average assets | 0.3299% | 3,124 |
| Noninterest expense to average assets | 1.8975% | 3,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3845% | 831 |
| Return on assets (ROA) | 1.3726% | 843 |
| Pretax return on assets | 1.4124% | 1,221 |
| Return on Equity (ROE) | 14.3874% | 759 |
| Retained earnings to average equity (ytd only) | -3.8110% | 4,360 |
| Net charge-offs to loans | -0.0787% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3172% | 3,849 |
| Assets per employee ($millions) | 7.8463% | 1,468 |
| Cash dividends to net income (ytd only)* | 126.4881% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1693% | 461 |
| Loan loss allowance to noncurrent loans | 2,315.6977% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,608 |
| Noncurrent loans to loans | 0.0937% | 3,372 |
| Net loans and leases to total assets | 44.8872% | 3,669 |
| Net loans and leases to deposits | 51.6274% | 3,596 |
| Net loans and leases to core deposits | 53.9373% | 3,597 |
| Total domestic deposits to total assets | 86.9446% | 2,948 |
| Equity capital to assets | 7.8506% | 3,687 |
| Core capital (leverage) ratio | 9.8445% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,674,500 | 2,086 |
| Average earning assets | $374,278,000 | 2,052 |
| Average equity | $37,366,000 | 2,159 |
| Average total loans | $182,921,000 | 2,355 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 2,060 |
| Cost of funding earning assets | 0.3320% | 2,101 |
| Net interest margin | 3.3869% | 2,072 |
| Noninterest income to average assets | 0.3318% | 3,426 |
| Noninterest expense to average assets | 2.0740% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4348% | 1,168 |
| Return on assets (ROA) | 1.4560% | 1,190 |
| Pretax return on assets | 1.4954% | 1,745 |
| Return on Equity (ROE) | 12.6951% | 1,572 |
| Retained earnings to average equity (ytd only) | 4.5691% | 2,981 |
| Net charge-offs to loans | -0.0216% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6147% | 3,503 |
| Assets per employee ($millions) | 7.2299% | 1,773 |
| Cash dividends to net income (ytd only)* | 64.0088% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 473 |
| Loan loss allowance to noncurrent loans | 1,225.7764% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,351 |
| Noncurrent loans to loans | 0.1767% | 3,061 |
| Net loans and leases to total assets | 46.5283% | 3,651 |
| Net loans and leases to deposits | 54.8357% | 3,529 |
| Net loans and leases to core deposits | 57.6977% | 3,500 |
| Total domestic deposits to total assets | 84.8504% | 3,316 |
| Equity capital to assets | 11.3044% | 1,602 |
| Core capital (leverage) ratio | 10.6622% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,559,000 | 2,085 |
| Average earning assets | $356,576,600 | 2,057 |
| Average equity | $43,071,600 | 1,975 |
| Average total loans | $190,016,000 | 2,304 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 1,859 |
| Cost of funding earning assets | 0.3497% | 2,115 |
| Net interest margin | 3.5198% | 1,816 |
| Noninterest income to average assets | 0.3308% | 3,452 |
| Noninterest expense to average assets | 2.0610% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5729% | 1,092 |
| Return on assets (ROA) | 1.5904% | 1,101 |
| Pretax return on assets | 1.6279% | 1,614 |
| Return on Equity (ROE) | 13.8165% | 1,444 |
| Retained earnings to average equity (ytd only) | 4.5166% | 3,400 |
| Net charge-offs to loans | -0.0333% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2877% | 3,621 |
| Assets per employee ($millions) | 6.9169% | 1,927 |
| Cash dividends to net income (ytd only)* | 67.3098% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1258% | 517 |
| Loan loss allowance to noncurrent loans | 1,873.9336% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,745 |
| Noncurrent loans to loans | 0.1134% | 3,523 |
| Net loans and leases to total assets | 48.7383% | 3,548 |
| Net loans and leases to deposits | 57.6926% | 3,434 |
| Net loans and leases to core deposits | 61.0945% | 3,394 |
| Total domestic deposits to total assets | 84.4793% | 3,310 |
| Equity capital to assets | 11.7974% | 1,491 |
| Core capital (leverage) ratio | 10.6079% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,652,250 | 2,113 |
| Average earning assets | $354,594,500 | 2,083 |
| Average equity | $43,010,250 | 2,004 |
| Average total loans | $191,960,750 | 2,328 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 2,230 |
| Cost of funding earning assets | 0.3662% | 2,173 |
| Net interest margin | 3.3744% | 2,219 |
| Noninterest income to average assets | 0.3029% | 3,619 |
| Noninterest expense to average assets | 1.9486% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5210% | 1,243 |
| Return on assets (ROA) | 1.5451% | 1,242 |
| Pretax return on assets | 1.5799% | 1,795 |
| Return on Equity (ROE) | 13.5354% | 1,554 |
| Retained earnings to average equity (ytd only) | 2.5177% | 3,995 |
| Net charge-offs to loans | -0.0485% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6663% | 3,722 |
| Assets per employee ($millions) | 7.0435% | 1,770 |
| Cash dividends to net income (ytd only)* | 81.3994% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0994% | 504 |
| Loan loss allowance to noncurrent loans | 1,847.1963% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,856 |
| Noncurrent loans to loans | 0.1137% | 3,622 |
| Net loans and leases to total assets | 48.4660% | 3,681 |
| Net loans and leases to deposits | 57.2614% | 3,617 |
| Net loans and leases to core deposits | 60.6582% | 3,575 |
| Total domestic deposits to total assets | 84.6400% | 3,243 |
| Equity capital to assets | 11.2404% | 1,799 |
| Core capital (leverage) ratio | 10.0560% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,698,000 | 2,099 |
| Average earning assets | $354,496,667 | 2,073 |
| Average equity | $42,658,667 | 2,008 |
| Average total loans | $193,948,000 | 2,318 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4909% | 2,956 |
| Cost of funding earning assets | 0.3860% | 2,209 |
| Net interest margin | 3.1049% | 2,970 |
| Noninterest income to average assets | 0.3035% | 3,598 |
| Noninterest expense to average assets | 1.8598% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3463% | 1,691 |
| Return on assets (ROA) | 1.3770% | 1,701 |
| Pretax return on assets | 1.4116% | 2,253 |
| Return on Equity (ROE) | 11.9686% | 2,027 |
| Retained earnings to average equity (ytd only) | -3.9895% | 4,654 |
| Net charge-offs to loans | -0.0854% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3333% | 3,509 |
| Assets per employee ($millions) | 6.7264% | 1,980 |
| Cash dividends to net income (ytd only)* | 133.3333% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0333% | 555 |
| Loan loss allowance to noncurrent loans | 1,898.0769% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,988 |
| Noncurrent loans to loans | 0.1071% | 3,773 |
| Net loans and leases to total assets | 49.6129% | 3,667 |
| Net loans and leases to deposits | 58.4647% | 3,600 |
| Net loans and leases to core deposits | 61.8082% | 3,588 |
| Total domestic deposits to total assets | 84.8597% | 3,161 |
| Equity capital to assets | 10.7541% | 2,036 |
| Core capital (leverage) ratio | 10.1586% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,371,500 | 2,106 |
| Average earning assets | $350,285,000 | 2,077 |
| Average equity | $42,611,500 | 2,000 |
| Average total loans | $196,775,000 | 2,304 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 2,386 |
| Cost of funding earning assets | 0.5784% | 2,458 |
| Net interest margin | 3.5343% | 2,356 |
| Noninterest income to average assets | 0.4064% | 3,062 |
| Noninterest expense to average assets | 2.2413% | 3,563 |
| Loan and lease loss provision to assets | 0.0293% | 4,031 |
| Net operating income to assets | 1.4123% | 994 |
| Return on assets (ROA) | 1.4151% | 1,070 |
| Pretax return on assets | 1.4538% | 1,498 |
| Return on Equity (ROE) | 11.5478% | 1,459 |
| Retained earnings to average equity (ytd only) | 4.4846% | 2,542 |
| Net charge-offs to loans | -0.3501% | 4,928 |
| Credit loss provision to net charge-offs | -14.2450% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1296% | 3,574 |
| Assets per employee ($millions) | 6.4970% | 1,925 |
| Cash dividends to net income (ytd only)* | 61.1652% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 638 |
| Loan loss allowance to noncurrent loans | 1,690.9091% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,019 |
| Noncurrent loans to loans | 0.1159% | 3,822 |
| Net loans and leases to total assets | 54.7038% | 3,422 |
| Net loans and leases to deposits | 65.1718% | 3,346 |
| Net loans and leases to core deposits | 69.3840% | 3,294 |
| Total domestic deposits to total assets | 83.9379% | 3,133 |
| Equity capital to assets | 12.3108% | 1,413 |
| Core capital (leverage) ratio | 10.6596% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,823,800 | 2,090 |
| Average earning assets | $319,696,000 | 2,079 |
| Average equity | $41,765,400 | 1,955 |
| Average total loans | $200,522,000 | 2,232 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 2,284 |
| Cost of funding earning assets | 0.6145% | 2,521 |
| Net interest margin | 3.6238% | 2,177 |
| Noninterest income to average assets | 0.4106% | 3,025 |
| Noninterest expense to average assets | 2.2033% | 3,671 |
| Loan and lease loss provision to assets | 0.0395% | 3,854 |
| Net operating income to assets | 1.5307% | 850 |
| Return on assets (ROA) | 1.5218% | 938 |
| Pretax return on assets | 1.5586% | 1,305 |
| Return on Equity (ROE) | 12.4339% | 1,266 |
| Retained earnings to average equity (ytd only) | 4.3452% | 2,875 |
| Net charge-offs to loans | -0.1793% | 4,911 |
| Credit loss provision to net charge-offs | -37.0370% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7079% | 3,830 |
| Assets per employee ($millions) | 6.6302% | 1,729 |
| Cash dividends to net income (ytd only)* | 65.0533% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 953 |
| Loan loss allowance to noncurrent loans | 847.3171% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,855 |
| Noncurrent loans to loans | 0.1964% | 3,603 |
| Net loans and leases to total assets | 57.3509% | 3,487 |
| Net loans and leases to deposits | 69.9361% | 3,320 |
| Net loans and leases to core deposits | 74.6242% | 3,274 |
| Total domestic deposits to total assets | 82.0048% | 3,419 |
| Equity capital to assets | 12.1675% | 1,592 |
| Core capital (leverage) ratio | 10.7996% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,695,500 | 2,090 |
| Average earning assets | $315,905,250 | 2,076 |
| Average equity | $41,209,000 | 1,961 |
| Average total loans | $200,806,750 | 2,225 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,623 |
| Cost of funding earning assets | 0.6644% | 2,597 |
| Net interest margin | 3.5797% | 2,548 |
| Noninterest income to average assets | 0.4715% | 2,703 |
| Noninterest expense to average assets | 2.2228% | 3,713 |
| Loan and lease loss provision to assets | 0.0607% | 3,542 |
| Net operating income to assets | 1.4980% | 929 |
| Return on assets (ROA) | 1.4837% | 1,033 |
| Pretax return on assets | 1.5213% | 1,408 |
| Return on Equity (ROE) | 12.0967% | 1,311 |
| Retained earnings to average equity (ytd only) | 1.9543% | 3,779 |
| Net charge-offs to loans | -0.2554% | 4,966 |
| Credit loss provision to net charge-offs | -39.5257% | 3,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0067% | 3,818 |
| Assets per employee ($millions) | 6.6258% | 1,691 |
| Cash dividends to net income (ytd only)* | 83.8446% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 849 |
| Loan loss allowance to noncurrent loans | 192.7324% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 2,324 |
| Noncurrent loans to loans | 0.8719% | 1,749 |
| Net loans and leases to total assets | 57.0000% | 3,606 |
| Net loans and leases to deposits | 69.4123% | 3,469 |
| Net loans and leases to core deposits | 73.6566% | 3,482 |
| Total domestic deposits to total assets | 82.1181% | 3,336 |
| Equity capital to assets | 12.1309% | 1,585 |
| Core capital (leverage) ratio | 10.7199% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,584,333 | 2,094 |
| Average earning assets | $308,239,000 | 2,088 |
| Average equity | $40,424,333 | 1,978 |
| Average total loans | $198,140,000 | 2,235 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 2,574 |
| Cost of funding earning assets | 0.7304% | 2,778 |
| Net interest margin | 3.6819% | 2,387 |
| Noninterest income to average assets | 0.3915% | 3,163 |
| Noninterest expense to average assets | 2.2811% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4919% | 800 |
| Return on assets (ROA) | 1.4530% | 949 |
| Pretax return on assets | 1.4919% | 1,326 |
| Return on Equity (ROE) | 11.7753% | 1,169 |
| Retained earnings to average equity (ytd only) | -2.5523% | 4,304 |
| Net charge-offs to loans | -0.5179% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5390% | 3,934 |
| Assets per employee ($millions) | 5.5394% | 2,076 |
| Cash dividends to net income (ytd only)* | 121.6753% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 821 |
| Loan loss allowance to noncurrent loans | 113.6550% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 1,439 |
| Noncurrent loans to loans | 1.5227% | 1,049 |
| Net loans and leases to total assets | 59.7223% | 3,527 |
| Net loans and leases to deposits | 70.7786% | 3,535 |
| Net loans and leases to core deposits | 75.3568% | 3,542 |
| Total domestic deposits to total assets | 84.3791% | 2,642 |
| Equity capital to assets | 12.0164% | 2,055 |
| Core capital (leverage) ratio | 11.3736% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,791,500 | 2,098 |
| Average earning assets | $296,256,500 | 2,101 |
| Average equity | $39,336,500 | 2,010 |
| Average total loans | $195,416,000 | 2,223 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 2,666 |
| Cost of funding earning assets | 0.8093% | 2,635 |
| Net interest margin | 3.7774% | 2,578 |
| Noninterest income to average assets | 0.4093% | 3,236 |
| Noninterest expense to average assets | 2.3973% | 3,697 |
| Loan and lease loss provision to assets | 0.1921% | 1,068 |
| Net operating income to assets | 1.3093% | 1,652 |
| Return on assets (ROA) | 1.3093% | 1,732 |
| Pretax return on assets | 1.3480% | 2,335 |
| Return on Equity (ROE) | 10.7741% | 1,977 |
| Retained earnings to average equity (ytd only) | 5.2927% | 2,276 |
| Net charge-offs to loans | 0.2270% | 899 |
| Credit loss provision to net charge-offs | 135.9649% | 1,888 |
| Earnings coverage of net charge-offs (x) | 10.9013% | 2,542 |
| Efficiency ratio | 59.5798% | 3,757 |
| Assets per employee ($millions) | 5.8516% | 1,756 |
| Cash dividends to net income (ytd only)* | 50.8755% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,113 |
| Loan loss allowance to noncurrent loans | 622.1095% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 3,870 |
| Noncurrent loans to loans | 0.2478% | 3,563 |
| Net loans and leases to total assets | 60.8610% | 3,517 |
| Net loans and leases to deposits | 73.6325% | 3,385 |
| Net loans and leases to core deposits | 78.2248% | 3,432 |
| Total domestic deposits to total assets | 82.6550% | 3,318 |
| Equity capital to assets | 12.6560% | 1,732 |
| Core capital (leverage) ratio | 11.4653% | 2,138 |
| Tier 1 risk-based capital ratio | 16.1556% | 2,347 |
| Total risk-based capital ratio | 17.4070% | 2,299 |
| Memoranda: | ||
| Average total assets | $322,776,000 | 2,019 |
| Average earning assets | $301,478,400 | 2,014 |
| Average equity | $39,223,800 | 1,974 |
| Average total loans | $200,884,000 | 2,160 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 2,768 |
| Cost of funding earning assets | 0.8125% | 2,644 |
| Net interest margin | 3.7744% | 2,667 |
| Noninterest income to average assets | 0.3868% | 3,395 |
| Noninterest expense to average assets | 2.4044% | 3,669 |
| Loan and lease loss provision to assets | 0.0702% | 2,474 |
| Net operating income to assets | 1.4100% | 1,435 |
| Return on assets (ROA) | 1.4100% | 1,498 |
| Pretax return on assets | 1.4501% | 2,119 |
| Return on Equity (ROE) | 11.7244% | 1,711 |
| Retained earnings to average equity (ytd only) | 6.2329% | 2,260 |
| Net charge-offs to loans | -0.0126% | 4,454 |
| Credit loss provision to net charge-offs | -894.7368% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9285% | 3,659 |
| Assets per employee ($millions) | 5.7723% | 1,787 |
| Cash dividends to net income (ytd only)* | 46.8384% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,200 |
| Loan loss allowance to noncurrent loans | 254.5679% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,001 |
| Noncurrent loans to loans | 0.5961% | 2,495 |
| Net loans and leases to total assets | 62.0937% | 3,488 |
| Net loans and leases to deposits | 77.0494% | 3,197 |
| Net loans and leases to core deposits | 81.1597% | 3,304 |
| Total domestic deposits to total assets | 80.5895% | 3,848 |
| Equity capital to assets | 12.5508% | 1,876 |
| Core capital (leverage) ratio | 12.8573% | 1,400 |
| Tier 1 risk-based capital ratio | 15.6136% | 2,597 |
| Total risk-based capital ratio | 16.8647% | 2,532 |
| Memoranda: | ||
| Average total assets | $323,010,000 | 2,025 |
| Average earning assets | $302,769,250 | 2,021 |
| Average equity | $38,846,750 | 1,994 |
| Average total loans | $201,369,500 | 2,171 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 3,265 |
| Cost of funding earning assets | 0.6416% | 3,458 |
| Net interest margin | 3.7834% | 2,637 |
| Noninterest income to average assets | 0.4508% | 2,957 |
| Noninterest expense to average assets | 2.4487% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5371% | 1,039 |
| Return on assets (ROA) | 1.5371% | 1,095 |
| Pretax return on assets | 1.5759% | 1,622 |
| Return on Equity (ROE) | 14.5453% | 866 |
| Retained earnings to average equity (ytd only) | 6.1584% | 2,213 |
| Net charge-offs to loans | -0.0245% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8431% | 3,604 |
| Assets per employee ($millions) | 5.3694% | 2,083 |
| Cash dividends to net income (ytd only)* | 57.6606% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,025 |
| Loan loss allowance to noncurrent loans | 1,175.2427% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,341 |
| Noncurrent loans to loans | 0.1362% | 4,068 |
| Net loans and leases to total assets | 61.5985% | 3,589 |
| Net loans and leases to deposits | 77.6432% | 3,178 |
| Net loans and leases to core deposits | 81.9107% | 3,269 |
| Total domestic deposits to total assets | 79.3354% | 4,154 |
| Equity capital to assets | 10.8281% | 3,245 |
| Core capital (leverage) ratio | 10.7263% | 2,871 |
| Tier 1 risk-based capital ratio | 15.2384% | 2,736 |
| Total risk-based capital ratio | 16.4906% | 2,674 |
| Memoranda: | ||
| Average total assets | $236,937,330 | 2,575 |
| Average earning assets | $223,821,670 | 2,541 |
| Average equity | $25,039,000 | 2,716 |
| Average total loans | $147,139,330 | 2,688 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 3,621 |
| Cost of funding earning assets | 0.5959% | 3,599 |
| Net interest margin | 3.6821% | 2,963 |
| Noninterest income to average assets | 0.3308% | 3,648 |
| Noninterest expense to average assets | 2.4075% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3504% | 1,527 |
| Return on assets (ROA) | 1.3504% | 1,564 |
| Pretax return on assets | 1.3896% | 2,121 |
| Return on Equity (ROE) | 12.9428% | 1,235 |
| Retained earnings to average equity (ytd only) | 4.7718% | 3,014 |
| Net charge-offs to loans | -0.0055% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4037% | 3,333 |
| Assets per employee ($millions) | 5.0002% | 2,519 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 908 |
| Loan loss allowance to noncurrent loans | 215.6951% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 2,717 |
| Noncurrent loans to loans | 0.7769% | 2,089 |
| Net loans and leases to total assets | 60.0466% | 3,707 |
| Net loans and leases to deposits | 73.3768% | 3,501 |
| Net loans and leases to core deposits | 77.4711% | 3,561 |
| Total domestic deposits to total assets | 81.8332% | 3,768 |
| Equity capital to assets | 10.4808% | 3,361 |
| Core capital (leverage) ratio | 10.8084% | 2,757 |
| Tier 1 risk-based capital ratio | 15.4476% | 2,675 |
| Total risk-based capital ratio | 16.7006% | 2,585 |
| Memoranda: | ||
| Average total assets | $234,595,500 | 2,607 |
| Average earning assets | $220,853,500 | 2,585 |
| Average equity | $24,477,000 | 2,762 |
| Average total loans | $145,081,000 | 2,739 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 3,577 |
| Cost of funding earning assets | 0.4800% | 3,480 |
| Net interest margin | 3.6726% | 3,149 |
| Noninterest income to average assets | 0.5043% | 2,818 |
| Noninterest expense to average assets | 2.5090% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4262% | 1,343 |
| Return on assets (ROA) | 1.4254% | 1,344 |
| Pretax return on assets | 1.4646% | 1,893 |
| Return on Equity (ROE) | 14.2600% | 989 |
| Retained earnings to average equity (ytd only) | 5.7236% | 2,343 |
| Net charge-offs to loans | -0.1463% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1280% | 3,318 |
| Assets per employee ($millions) | 4.9826% | 2,525 |
| Cash dividends to net income (ytd only)* | 59.8623% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 946 |
| Loan loss allowance to noncurrent loans | 210.6047% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 2,626 |
| Noncurrent loans to loans | 0.7781% | 2,062 |
| Net loans and leases to total assets | 61.5928% | 3,606 |
| Net loans and leases to deposits | 72.8585% | 3,595 |
| Net loans and leases to core deposits | 77.1351% | 3,633 |
| Total domestic deposits to total assets | 84.5375% | 2,820 |
| Equity capital to assets | 10.3865% | 3,299 |
| Core capital (leverage) ratio | 10.5209% | 3,007 |
| Tier 1 risk-based capital ratio | 15.0802% | 2,795 |
| Total risk-based capital ratio | 16.3330% | 2,727 |
| Memoranda: | ||
| Average total assets | $234,395,600 | 2,578 |
| Average earning assets | $221,478,400 | 2,552 |
| Average equity | $23,429,200 | 2,778 |
| Average total loans | $146,246,000 | 2,689 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 3,739 |
| Cost of funding earning assets | 0.4420% | 3,584 |
| Net interest margin | 3.6240% | 3,290 |
| Noninterest income to average assets | 0.4914% | 2,920 |
| Noninterest expense to average assets | 2.4738% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4103% | 1,452 |
| Return on assets (ROA) | 1.4092% | 1,450 |
| Pretax return on assets | 1.4479% | 2,067 |
| Return on Equity (ROE) | 14.2375% | 1,055 |
| Retained earnings to average equity (ytd only) | 5.6192% | 2,873 |
| Net charge-offs to loans | -0.1925% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0618% | 3,325 |
| Assets per employee ($millions) | 5.1195% | 2,313 |
| Cash dividends to net income (ytd only)* | 60.5326% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 1,040 |
| Loan loss allowance to noncurrent loans | 193.6239% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 2,638 |
| Noncurrent loans to loans | 0.8346% | 2,042 |
| Net loans and leases to total assets | 62.0215% | 3,653 |
| Net loans and leases to deposits | 75.0396% | 3,504 |
| Net loans and leases to core deposits | 79.3072% | 3,548 |
| Total domestic deposits to total assets | 82.6517% | 3,419 |
| Equity capital to assets | 9.9529% | 3,696 |
| Core capital (leverage) ratio | 10.4149% | 3,172 |
| Tier 1 risk-based capital ratio | 14.7474% | 2,994 |
| Total risk-based capital ratio | 15.9998% | 2,916 |
| Memoranda: | ||
| Average total assets | $234,449,500 | 2,591 |
| Average earning assets | $221,993,750 | 2,559 |
| Average equity | $23,205,750 | 2,811 |
| Average total loans | $146,147,250 | 2,701 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,998 |
| Cost of funding earning assets | 0.4015% | 3,711 |
| Net interest margin | 3.5269% | 3,547 |
| Noninterest income to average assets | 0.4118% | 3,413 |
| Noninterest expense to average assets | 2.4246% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2883% | 1,825 |
| Return on assets (ROA) | 1.2883% | 1,822 |
| Pretax return on assets | 1.3268% | 2,409 |
| Return on Equity (ROE) | 13.0405% | 1,358 |
| Retained earnings to average equity (ytd only) | 4.3929% | 3,405 |
| Net charge-offs to loans | -0.1307% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6322% | 3,226 |
| Assets per employee ($millions) | 5.0140% | 2,402 |
| Cash dividends to net income (ytd only)* | 66.3130% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,217 |
| Loan loss allowance to noncurrent loans | 57.1715% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.6952% | 727 |
| Noncurrent loans to loans | 2.7252% | 446 |
| Net loans and leases to total assets | 61.2376% | 3,677 |
| Net loans and leases to deposits | 74.3348% | 3,501 |
| Net loans and leases to core deposits | 78.8405% | 3,509 |
| Total domestic deposits to total assets | 82.3809% | 3,599 |
| Equity capital to assets | 9.8269% | 3,798 |
| Core capital (leverage) ratio | 10.2306% | 3,316 |
| Tier 1 risk-based capital ratio | 14.5054% | 3,113 |
| Total risk-based capital ratio | 15.7573% | 3,029 |
| Memoranda: | ||
| Average total assets | $234,099,670 | 2,603 |
| Average earning assets | $221,670,330 | 2,574 |
| Average equity | $23,128,000 | 2,833 |
| Average total loans | $145,376,670 | 2,726 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 4,093 |
| Cost of funding earning assets | 0.3793% | 3,738 |
| Net interest margin | 3.4682% | 3,648 |
| Noninterest income to average assets | 0.3755% | 3,628 |
| Noninterest expense to average assets | 2.4036% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2086% | 1,967 |
| Return on assets (ROA) | 1.2086% | 1,976 |
| Pretax return on assets | 1.2481% | 2,562 |
| Return on Equity (ROE) | 12.2009% | 1,506 |
| Retained earnings to average equity (ytd only) | 3.5478% | 3,786 |
| Net charge-offs to loans | -0.0718% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8216% | 3,201 |
| Assets per employee ($millions) | 4.9500% | 2,545 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,237 |
| Loan loss allowance to noncurrent loans | 64.9560% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.4657% | 970 |
| Noncurrent loans to loans | 2.4104% | 576 |
| Net loans and leases to total assets | 59.8564% | 3,762 |
| Net loans and leases to deposits | 70.9614% | 3,707 |
| Net loans and leases to core deposits | 75.9343% | 3,672 |
| Total domestic deposits to total assets | 84.3507% | 3,169 |
| Equity capital to assets | 9.8917% | 3,708 |
| Core capital (leverage) ratio | 10.1282% | 3,389 |
| Tier 1 risk-based capital ratio | 16.0702% | 2,437 |
| Total risk-based capital ratio | 17.3234% | 2,385 |
| Memoranda: | ||
| Average total assets | $233,320,000 | 2,636 |
| Average earning assets | $220,400,000 | 2,609 |
| Average equity | $23,113,000 | 2,854 |
| Average total loans | $144,767,000 | 2,746 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 3,802 |
| Cost of funding earning assets | 0.3783% | 3,434 |
| Net interest margin | 3.4967% | 3,543 |
| Noninterest income to average assets | 0.4794% | 3,130 |
| Noninterest expense to average assets | 2.4463% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2977% | 1,226 |
| Return on assets (ROA) | 1.2973% | 1,243 |
| Pretax return on assets | 1.3350% | 2,232 |
| Return on Equity (ROE) | 13.3969% | 866 |
| Retained earnings to average equity (ytd only) | 6.3180% | 1,371 |
| Net charge-offs to loans | 0.0746% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 28.5963% | 1,596 |
| Efficiency ratio | 64.6879% | 3,496 |
| Assets per employee ($millions) | 4.9785% | 2,506 |
| Cash dividends to net income (ytd only)* | 52.8402% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,486 |
| Loan loss allowance to noncurrent loans | 365.4424% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,856 |
| Noncurrent loans to loans | 0.4046% | 3,312 |
| Net loans and leases to total assets | 62.3420% | 3,575 |
| Net loans and leases to deposits | 76.5132% | 3,279 |
| Net loans and leases to core deposits | 81.8404% | 3,259 |
| Total domestic deposits to total assets | 81.4787% | 4,004 |
| Equity capital to assets | 9.9205% | 3,790 |
| Core capital (leverage) ratio | 10.1318% | 3,266 |
| Tier 1 risk-based capital ratio | 15.2899% | 2,704 |
| Total risk-based capital ratio | 16.5422% | 2,643 |
| Memoranda: | ||
| Average total assets | $233,414,000 | 2,616 |
| Average earning assets | $220,438,000 | 2,578 |
| Average equity | $22,602,200 | 2,893 |
| Average total loans | $146,070,600 | 2,697 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 3,900 |
| Cost of funding earning assets | 0.3721% | 3,445 |
| Net interest margin | 3.4579% | 3,645 |
| Noninterest income to average assets | 0.4464% | 3,356 |
| Noninterest expense to average assets | 2.4355% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2483% | 1,516 |
| Return on assets (ROA) | 1.2477% | 1,543 |
| Pretax return on assets | 1.2820% | 2,578 |
| Return on Equity (ROE) | 12.9651% | 1,067 |
| Retained earnings to average equity (ytd only) | 5.8381% | 2,348 |
| Net charge-offs to loans | -0.0037% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5035% | 3,287 |
| Assets per employee ($millions) | 5.0025% | 2,443 |
| Cash dividends to net income (ytd only)* | 54.9703% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 1,279 |
| Loan loss allowance to noncurrent loans | 463.1791% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 4,210 |
| Noncurrent loans to loans | 0.3415% | 3,724 |
| Net loans and leases to total assets | 62.2479% | 3,624 |
| Net loans and leases to deposits | 77.2758% | 3,246 |
| Net loans and leases to core deposits | 83.8218% | 3,138 |
| Total domestic deposits to total assets | 80.5529% | 4,192 |
| Equity capital to assets | 9.9923% | 3,916 |
| Core capital (leverage) ratio | 9.9050% | 3,688 |
| Tier 1 risk-based capital ratio | 14.5025% | 3,179 |
| Total risk-based capital ratio | 15.7555% | 3,093 |
| Memoranda: | ||
| Average total assets | $233,270,000 | 2,637 |
| Average earning assets | $220,706,750 | 2,598 |
| Average equity | $22,449,500 | 2,926 |
| Average total loans | $145,572,500 | 2,722 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,075 |
| Cost of funding earning assets | 0.3583% | 3,499 |
| Net interest margin | 3.3913% | 3,802 |
| Noninterest income to average assets | 0.4720% | 3,208 |
| Noninterest expense to average assets | 2.4607% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1848% | 1,647 |
| Return on assets (ROA) | 1.1864% | 1,674 |
| Pretax return on assets | 1.2205% | 2,696 |
| Return on Equity (ROE) | 12.4843% | 1,166 |
| Retained earnings to average equity (ytd only) | 5.2991% | 2,523 |
| Net charge-offs to loans | 0.0343% | 2,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 57.1200% | 983 |
| Efficiency ratio | 66.8754% | 3,200 |
| Assets per employee ($millions) | 4.8559% | 2,583 |
| Cash dividends to net income (ytd only)* | 57.5540% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 1,350 |
| Loan loss allowance to noncurrent loans | 438.8031% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 4,263 |
| Noncurrent loans to loans | 0.3566% | 3,750 |
| Net loans and leases to total assets | 61.3409% | 3,708 |
| Net loans and leases to deposits | 74.8637% | 3,460 |
| Net loans and leases to core deposits | 81.6910% | 3,281 |
| Total domestic deposits to total assets | 81.9368% | 3,904 |
| Equity capital to assets | 9.6893% | 4,237 |
| Core capital (leverage) ratio | 9.6531% | 3,959 |
| Tier 1 risk-based capital ratio | 14.2102% | 3,304 |
| Total risk-based capital ratio | 15.4624% | 3,223 |
| Memoranda: | ||
| Average total assets | $234,321,000 | 2,641 |
| Average earning assets | $221,628,330 | 2,605 |
| Average equity | $22,268,000 | 2,945 |
| Average total loans | $145,581,670 | 2,721 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6831% | 4,159 |
| Cost of funding earning assets | 0.3604% | 3,413 |
| Net interest margin | 3.3227% | 3,940 |
| Noninterest income to average assets | 0.3763% | 3,834 |
| Noninterest expense to average assets | 2.4551% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0266% | 2,184 |
| Return on assets (ROA) | 1.0266% | 2,238 |
| Pretax return on assets | 1.0607% | 3,129 |
| Return on Equity (ROE) | 10.9091% | 1,600 |
| Retained earnings to average equity (ytd only) | 3.6725% | 3,606 |
| Net charge-offs to loans | -0.2470% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8305% | 2,923 |
| Assets per employee ($millions) | 4.8297% | 2,656 |
| Cash dividends to net income (ytd only)* | 66.3350% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6863% | 1,171 |
| Loan loss allowance to noncurrent loans | 292.6471% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 3,818 |
| Noncurrent loans to loans | 0.5762% | 3,080 |
| Net loans and leases to total assets | 58.8296% | 3,904 |
| Net loans and leases to deposits | 70.9538% | 3,698 |
| Net loans and leases to core deposits | 76.9527% | 3,567 |
| Total domestic deposits to total assets | 82.9125% | 3,871 |
| Equity capital to assets | 9.3825% | 4,410 |
| Core capital (leverage) ratio | 9.5154% | 4,108 |
| Tier 1 risk-based capital ratio | 13.9723% | 3,498 |
| Total risk-based capital ratio | 15.2255% | 3,410 |
| Memoranda: | ||
| Average total assets | $234,941,000 | 2,657 |
| Average earning assets | $221,986,500 | 2,627 |
| Average equity | $22,110,000 | 2,976 |
| Average total loans | $145,749,000 | 2,747 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 4,001 |
| Cost of funding earning assets | 0.3318% | 3,725 |
| Net interest margin | 3.4361% | 3,680 |
| Noninterest income to average assets | 0.4428% | 3,597 |
| Noninterest expense to average assets | 2.5291% | 3,923 |
| Loan and lease loss provision to assets | 0.0435% | 3,509 |
| Net operating income to assets | 1.0710% | 2,031 |
| Return on assets (ROA) | 1.0705% | 2,139 |
| Pretax return on assets | 1.1084% | 3,066 |
| Return on Equity (ROE) | 11.2684% | 1,484 |
| Retained earnings to average equity (ytd only) | 3.9423% | 3,115 |
| Net charge-offs to loans | -0.1718% | 5,711 |
| Credit loss provision to net charge-offs | -39.3701% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6990% | 3,129 |
| Assets per employee ($millions) | 4.6646% | 2,855 |
| Cash dividends to net income (ytd only)* | 65.0142% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 1,558 |
| Loan loss allowance to noncurrent loans | 250.8734% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 3,695 |
| Noncurrent loans to loans | 0.6111% | 3,017 |
| Net loans and leases to total assets | 63.2812% | 3,438 |
| Net loans and leases to deposits | 78.6283% | 3,028 |
| Net loans and leases to core deposits | 85.3269% | 2,901 |
| Total domestic deposits to total assets | 80.4814% | 4,457 |
| Equity capital to assets | 9.4396% | 4,338 |
| Core capital (leverage) ratio | 9.3903% | 4,232 |
| Tier 1 risk-based capital ratio | 13.2986% | 3,899 |
| Total risk-based capital ratio | 14.5508% | 3,809 |
| Memoranda: | ||
| Average total assets | $229,884,800 | 2,669 |
| Average earning assets | $216,670,000 | 2,631 |
| Average equity | $21,839,800 | 3,001 |
| Average total loans | $147,844,600 | 2,670 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 4,102 |
| Cost of funding earning assets | 0.3198% | 3,871 |
| Net interest margin | 3.4247% | 3,752 |
| Noninterest income to average assets | 0.3918% | 3,982 |
| Noninterest expense to average assets | 2.4786% | 4,048 |
| Loan and lease loss provision to assets | 0.0582% | 3,084 |
| Net operating income to assets | 1.0472% | 2,210 |
| Return on assets (ROA) | 1.0466% | 2,343 |
| Pretax return on assets | 1.0839% | 3,301 |
| Return on Equity (ROE) | 10.9988% | 1,670 |
| Retained earnings to average equity (ytd only) | 3.6581% | 3,701 |
| Net charge-offs to loans | -0.0507% | 5,374 |
| Credit loss provision to net charge-offs | -178.5714% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4456% | 3,148 |
| Assets per employee ($millions) | 4.6983% | 2,752 |
| Cash dividends to net income (ytd only)* | 66.7409% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 2,461 |
| Loan loss allowance to noncurrent loans | 640.2439% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 4,888 |
| Noncurrent loans to loans | 0.2101% | 4,515 |
| Net loans and leases to total assets | 64.2899% | 3,357 |
| Net loans and leases to deposits | 83.1177% | 2,588 |
| Net loans and leases to core deposits | 89.3668% | 2,635 |
| Total domestic deposits to total assets | 77.3481% | 5,022 |
| Equity capital to assets | 9.2837% | 4,881 |
| Core capital (leverage) ratio | 9.3754% | 4,364 |
| Tier 1 risk-based capital ratio | 12.7687% | 4,295 |
| Total risk-based capital ratio | 14.0189% | 4,209 |
| Memoranda: | ||
| Average total assets | $229,048,750 | 2,681 |
| Average earning assets | $215,991,000 | 2,650 |
| Average equity | $21,795,750 | 3,027 |
| Average total loans | $147,333,750 | 2,681 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 4,069 |
| Cost of funding earning assets | 0.3140% | 3,977 |
| Net interest margin | 3.4526% | 3,670 |
| Noninterest income to average assets | 0.3813% | 4,017 |
| Noninterest expense to average assets | 2.4769% | 4,096 |
| Loan and lease loss provision to assets | 0.0621% | 2,890 |
| Net operating income to assets | 1.0606% | 2,120 |
| Return on assets (ROA) | 1.0597% | 2,252 |
| Pretax return on assets | 1.0979% | 3,203 |
| Return on Equity (ROE) | 11.0413% | 1,622 |
| Retained earnings to average equity (ytd only) | 3.6496% | 3,569 |
| Net charge-offs to loans | -0.0554% | 5,410 |
| Credit loss provision to net charge-offs | -175.0000% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0887% | 3,324 |
| Assets per employee ($millions) | 4.5392% | 2,951 |
| Cash dividends to net income (ytd only)* | 66.9456% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,331 |
| Loan loss allowance to noncurrent loans | 539.1076% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 4,832 |
| Noncurrent loans to loans | 0.2582% | 4,430 |
| Net loans and leases to total assets | 64.1126% | 3,347 |
| Net loans and leases to deposits | 79.1577% | 3,037 |
| Net loans and leases to core deposits | 83.7275% | 3,108 |
| Total domestic deposits to total assets | 80.9936% | 4,281 |
| Equity capital to assets | 9.7674% | 4,493 |
| Core capital (leverage) ratio | 9.4870% | 4,227 |
| Tier 1 risk-based capital ratio | 13.4533% | 3,937 |
| Total risk-based capital ratio | 14.7038% | 3,844 |
| Memoranda: | ||
| Average total assets | $225,527,330 | 2,730 |
| Average earning assets | $212,707,670 | 2,690 |
| Average equity | $21,646,000 | 3,045 |
| Average total loans | $144,396,000 | 2,715 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,198 |
| Cost of funding earning assets | 0.3176% | 3,977 |
| Net interest margin | 3.4156% | 3,817 |
| Noninterest income to average assets | 0.3576% | 4,165 |
| Noninterest expense to average assets | 2.4910% | 4,098 |
| Loan and lease loss provision to assets | 0.0534% | 2,872 |
| Net operating income to assets | 0.9911% | 2,320 |
| Return on assets (ROA) | 0.9911% | 2,434 |
| Pretax return on assets | 1.0284% | 3,373 |
| Return on Equity (ROE) | 10.4185% | 1,805 |
| Retained earnings to average equity (ytd only) | 2.9366% | 4,048 |
| Net charge-offs to loans | -0.0616% | 5,434 |
| Credit loss provision to net charge-offs | -136.3636% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7211% | 3,180 |
| Assets per employee ($millions) | 4.6636% | 2,797 |
| Cash dividends to net income (ytd only)* | 71.8133% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 2,417 |
| Loan loss allowance to noncurrent loans | 1,677.3109% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 5,399 |
| Noncurrent loans to loans | 0.0835% | 5,143 |
| Net loans and leases to total assets | 62.7522% | 3,420 |
| Net loans and leases to deposits | 75.2828% | 3,300 |
| Net loans and leases to core deposits | 79.6781% | 3,349 |
| Total domestic deposits to total assets | 83.3553% | 3,770 |
| Equity capital to assets | 9.7179% | 4,430 |
| Core capital (leverage) ratio | 9.4925% | 4,207 |
| Tier 1 risk-based capital ratio | 13.7953% | 3,815 |
| Total risk-based capital ratio | 15.0459% | 3,752 |
| Memoranda: | ||
| Average total assets | $224,811,000 | 2,738 |
| Average earning assets | $211,616,500 | 2,701 |
| Average equity | $21,385,000 | 3,072 |
| Average total loans | $142,812,000 | 2,738 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,443 |
| Cost of funding earning assets | 0.3419% | 3,781 |
| Net interest margin | 3.3329% | 4,176 |
| Noninterest income to average assets | 0.4100% | 3,955 |
| Noninterest expense to average assets | 2.4466% | 4,390 |
| Loan and lease loss provision to assets | 0.0834% | 2,622 |
| Net operating income to assets | 0.9781% | 2,476 |
| Return on assets (ROA) | 0.9823% | 2,535 |
| Pretax return on assets | 1.0209% | 3,377 |
| Return on Equity (ROE) | 10.7355% | 1,716 |
| Retained earnings to average equity (ytd only) | 2.1010% | 4,526 |
| Net charge-offs to loans | 0.0306% | 3,610 |
| Credit loss provision to net charge-offs | 431.8182% | 714 |
| Earnings coverage of net charge-offs (x) | 56.9545% | 904 |
| Efficiency ratio | 68.9851% | 3,402 |
| Assets per employee ($millions) | 4.5153% | 3,022 |
| Cash dividends to net income (ytd only)* | 80.4290% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,630 |
| Loan loss allowance to noncurrent loans | 1,593.4426% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 5,450 |
| Noncurrent loans to loans | 0.0852% | 5,157 |
| Net loans and leases to total assets | 62.5468% | 3,484 |
| Net loans and leases to deposits | 78.9619% | 2,946 |
| Net loans and leases to core deposits | 83.0364% | 3,048 |
| Total domestic deposits to total assets | 79.2113% | 4,927 |
| Equity capital to assets | 9.3087% | 4,778 |
| Core capital (leverage) ratio | 9.2508% | 4,544 |
| Tier 1 risk-based capital ratio | 13.5946% | 3,954 |
| Total risk-based capital ratio | 14.8451% | 3,884 |
| Memoranda: | ||
| Average total assets | $227,829,400 | 2,680 |
| Average earning assets | $214,409,400 | 2,641 |
| Average equity | $20,846,800 | 3,090 |
| Average total loans | $143,824,200 | 2,686 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 4,608 |
| Cost of funding earning assets | 0.3438% | 3,822 |
| Net interest margin | 3.2958% | 4,363 |
| Noninterest income to average assets | 0.3690% | 4,288 |
| Noninterest expense to average assets | 2.3922% | 4,534 |
| Loan and lease loss provision to assets | 0.0817% | 2,537 |
| Net operating income to assets | 0.9630% | 2,657 |
| Return on assets (ROA) | 0.9658% | 2,726 |
| Pretax return on assets | 1.0043% | 3,597 |
| Return on Equity (ROE) | 10.6000% | 1,862 |
| Retained earnings to average equity (ytd only) | 1.3074% | 5,195 |
| Net charge-offs to loans | -0.0389% | 5,454 |
| Credit loss provision to net charge-offs | -333.3333% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8340% | 3,402 |
| Assets per employee ($millions) | 4.5800% | 2,873 |
| Cash dividends to net income (ytd only)* | 87.6664% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 2,783 |
| Loan loss allowance to noncurrent loans | 1,477.6119% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 5,543 |
| Noncurrent loans to loans | 0.0921% | 5,260 |
| Net loans and leases to total assets | 62.6661% | 3,511 |
| Net loans and leases to deposits | 81.3462% | 2,722 |
| Net loans and leases to core deposits | 85.7823% | 2,875 |
| Total domestic deposits to total assets | 77.0363% | 5,332 |
| Equity capital to assets | 9.2703% | 5,035 |
| Core capital (leverage) ratio | 9.1313% | 4,837 |
| Tier 1 risk-based capital ratio | 13.2575% | 4,286 |
| Total risk-based capital ratio | 14.5078% | 4,204 |
| Memoranda: | ||
| Average total assets | $228,345,000 | 2,697 |
| Average earning assets | $215,216,000 | 2,646 |
| Average equity | $20,804,500 | 3,120 |
| Average total loans | $143,991,750 | 2,697 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 4,672 |
| Cost of funding earning assets | 0.3481% | 3,829 |
| Net interest margin | 3.2695% | 4,420 |
| Noninterest income to average assets | 0.3612% | 4,354 |
| Noninterest expense to average assets | 2.3759% | 4,634 |
| Loan and lease loss provision to assets | 0.0789% | 2,535 |
| Net operating income to assets | 0.9468% | 2,654 |
| Return on assets (ROA) | 0.9468% | 2,770 |
| Pretax return on assets | 0.9863% | 3,641 |
| Return on Equity (ROE) | 10.4535% | 1,866 |
| Retained earnings to average equity (ytd only) | -0.1936% | 5,540 |
| Net charge-offs to loans | -0.0321% | 5,357 |
| Credit loss provision to net charge-offs | -391.3043% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0446% | 3,486 |
| Assets per employee ($millions) | 4.5990% | 2,830 |
| Cash dividends to net income (ytd only)* | 101.8519% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 2,983 |
| Loan loss allowance to noncurrent loans | 1,481.3953% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 5,632 |
| Noncurrent loans to loans | 0.0912% | 5,378 |
| Net loans and leases to total assets | 61.9351% | 3,557 |
| Net loans and leases to deposits | 75.8733% | 3,288 |
| Net loans and leases to core deposits | 81.3281% | 3,248 |
| Total domestic deposits to total assets | 81.6296% | 4,412 |
| Equity capital to assets | 9.2083% | 5,005 |
| Core capital (leverage) ratio | 9.0992% | 4,818 |
| Tier 1 risk-based capital ratio | 13.4843% | 4,232 |
| Total risk-based capital ratio | 14.7346% | 4,165 |
| Memoranda: | ||
| Average total assets | $228,126,330 | 2,715 |
| Average earning assets | $214,894,000 | 2,672 |
| Average equity | $20,663,000 | 3,145 |
| Average total loans | $143,493,670 | 2,706 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 4,737 |
| Cost of funding earning assets | 0.3520% | 3,837 |
| Net interest margin | 3.2328% | 4,477 |
| Noninterest income to average assets | 0.3555% | 4,354 |
| Noninterest expense to average assets | 2.3685% | 4,692 |
| Loan and lease loss provision to assets | 0.0871% | 2,237 |
| Net operating income to assets | 0.8993% | 2,743 |
| Return on assets (ROA) | 0.8993% | 2,871 |
| Pretax return on assets | 0.9411% | 3,737 |
| Return on Equity (ROE) | 10.0102% | 2,004 |
| Retained earnings to average equity (ytd only) | -4.5395% | 5,901 |
| Net charge-offs to loans | -0.0443% | 5,458 |
| Credit loss provision to net charge-offs | -312.5000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7281% | 3,537 |
| Assets per employee ($millions) | 4.3980% | 3,205 |
| Cash dividends to net income (ytd only)* | 145.3488% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 3,225 |
| Loan loss allowance to noncurrent loans | 2,118.1818% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 5,780 |
| Noncurrent loans to loans | 0.0630% | 5,524 |
| Net loans and leases to total assets | 61.4755% | 3,452 |
| Net loans and leases to deposits | 74.8177% | 3,179 |
| Net loans and leases to core deposits | 81.2938% | 3,023 |
| Total domestic deposits to total assets | 82.1671% | 4,465 |
| Equity capital to assets | 9.2417% | 5,037 |
| Core capital (leverage) ratio | 8.2614% | 5,770 |
| Tier 1 risk-based capital ratio | 12.6100% | 4,833 |
| Total risk-based capital ratio | 13.8655% | 4,750 |
| Memoranda: | ||
| Average total assets | $229,513,500 | 2,727 |
| Average earning assets | $215,910,000 | 2,677 |
| Average equity | $20,619,000 | 3,175 |
| Average total loans | $144,499,000 | 2,699 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 4,823 |
| Cost of funding earning assets | 0.3938% | 3,752 |
| Net interest margin | 3.2932% | 4,596 |
| Noninterest income to average assets | 0.3661% | 4,466 |
| Noninterest expense to average assets | 2.3543% | 4,961 |
| Loan and lease loss provision to assets | 0.0863% | 2,747 |
| Net operating income to assets | 0.9873% | 2,443 |
| Return on assets (ROA) | 0.9852% | 2,534 |
| Pretax return on assets | 1.0211% | 3,415 |
| Return on Equity (ROE) | 11.4300% | 1,581 |
| Retained earnings to average equity (ytd only) | 1.4125% | 5,132 |
| Net charge-offs to loans | 0.3711% | 1,171 |
| Credit loss provision to net charge-offs | 37.6648% | 3,719 |
| Earnings coverage of net charge-offs (x) | 4.8399% | 3,554 |
| Efficiency ratio | 67.9671% | 3,906 |
| Assets per employee ($millions) | 4.4288% | 3,150 |
| Cash dividends to net income (ytd only)* | 87.6424% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 3,968 |
| Loan loss allowance to noncurrent loans | 5,618.7500% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 6,003 |
| Noncurrent loans to loans | 0.0214% | 5,802 |
| Net loans and leases to total assets | 62.8161% | 3,392 |
| Net loans and leases to deposits | 81.7461% | 2,506 |
| Net loans and leases to core deposits | 88.2958% | 2,463 |
| Total domestic deposits to total assets | 76.8430% | 5,621 |
| Equity capital to assets | 8.7373% | 5,546 |
| Core capital (leverage) ratio | 8.8500% | 5,186 |
| Tier 1 risk-based capital ratio | 12.2118% | 5,219 |
| Total risk-based capital ratio | 13.2874% | 5,245 |
| Memoranda: | ||
| Average total assets | $231,621,200 | 2,682 |
| Average earning assets | $217,872,000 | 2,643 |
| Average equity | $19,965,000 | 3,163 |
| Average total loans | $143,076,600 | 2,668 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 4,975 |
| Cost of funding earning assets | 0.4010% | 3,776 |
| Net interest margin | 3.2577% | 4,773 |
| Noninterest income to average assets | 0.3922% | 4,308 |
| Noninterest expense to average assets | 2.4177% | 4,769 |
| Loan and lease loss provision to assets | 0.1155% | 2,125 |
| Net operating income to assets | 0.8882% | 2,967 |
| Return on assets (ROA) | 0.8860% | 3,085 |
| Pretax return on assets | 0.9253% | 3,883 |
| Return on Equity (ROE) | 10.3146% | 2,062 |
| Retained earnings to average equity (ytd only) | -0.1076% | 5,813 |
| Net charge-offs to loans | 0.5021% | 770 |
| Credit loss provision to net charge-offs | 37.5235% | 3,324 |
| Earnings coverage of net charge-offs (x) | 3.3884% | 3,669 |
| Efficiency ratio | 69.8598% | 3,536 |
| Assets per employee ($millions) | 4.5850% | 2,832 |
| Cash dividends to net income (ytd only)* | 101.0434% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 4,152 |
| Loan loss allowance to noncurrent loans | 345.3846% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 5,331 |
| Noncurrent loans to loans | 0.3515% | 4,854 |
| Net loans and leases to total assets | 62.4924% | 3,407 |
| Net loans and leases to deposits | 79.7421% | 2,729 |
| Net loans and leases to core deposits | 84.0629% | 2,872 |
| Total domestic deposits to total assets | 78.3681% | 5,455 |
| Equity capital to assets | 8.5291% | 5,776 |
| Core capital (leverage) ratio | 8.7679% | 5,374 |
| Tier 1 risk-based capital ratio | 12.0846% | 5,435 |
| Total risk-based capital ratio | 13.1635% | 5,467 |
| Memoranda: | ||
| Average total assets | $230,844,500 | 2,707 |
| Average earning assets | $217,446,750 | 2,656 |
| Average equity | $19,829,000 | 3,186 |
| Average total loans | $141,534,500 | 2,703 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6288% | 5,072 |
| Cost of funding earning assets | 0.4106% | 3,768 |
| Net interest margin | 3.2182% | 4,882 |
| Noninterest income to average assets | 0.3785% | 4,420 |
| Noninterest expense to average assets | 2.3563% | 5,004 |
| Loan and lease loss provision to assets | 0.0870% | 2,573 |
| Net operating income to assets | 0.9241% | 2,685 |
| Return on assets (ROA) | 0.9241% | 2,786 |
| Pretax return on assets | 0.9632% | 3,631 |
| Return on Equity (ROE) | 10.7323% | 1,831 |
| Retained earnings to average equity (ytd only) | -0.3840% | 5,748 |
| Net charge-offs to loans | -0.0072% | 5,245 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1699% | 3,807 |
| Assets per employee ($millions) | 4.5885% | 2,783 |
| Cash dividends to net income (ytd only)* | 103.5782% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 2,386 |
| Loan loss allowance to noncurrent loans | 3,546.0317% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 6,133 |
| Noncurrent loans to loans | 0.0458% | 5,914 |
| Net loans and leases to total assets | 57.8892% | 4,004 |
| Net loans and leases to deposits | 71.8315% | 3,594 |
| Net loans and leases to core deposits | 76.5061% | 3,572 |
| Total domestic deposits to total assets | 80.5902% | 5,101 |
| Equity capital to assets | 8.5992% | 5,719 |
| Core capital (leverage) ratio | 8.6899% | 5,414 |
| Tier 1 risk-based capital ratio | 12.8282% | 5,018 |
| Total risk-based capital ratio | 14.0803% | 4,954 |
| Memoranda: | ||
| Average total assets | $229,847,670 | 2,732 |
| Average earning assets | $216,272,670 | 2,676 |
| Average equity | $19,790,670 | 3,196 |
| Average total loans | $139,404,330 | 2,740 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 5,207 |
| Cost of funding earning assets | 0.4232% | 3,727 |
| Net interest margin | 3.1646% | 5,032 |
| Noninterest income to average assets | 0.3916% | 4,259 |
| Noninterest expense to average assets | 2.3533% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9958% | 2,228 |
| Return on assets (ROA) | 0.9958% | 2,286 |
| Pretax return on assets | 1.0326% | 3,203 |
| Return on Equity (ROE) | 11.5570% | 1,530 |
| Retained earnings to average equity (ytd only) | 0.3465% | 5,432 |
| Net charge-offs to loans | 0.0029% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 588.0000% | 60 |
| Efficiency ratio | 69.5021% | 3,912 |
| Assets per employee ($millions) | 4.5227% | 2,934 |
| Cash dividends to net income (ytd only)* | 97.0018% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 2,875 |
| Loan loss allowance to noncurrent loans | 2,445.9770% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 6,182 |
| Noncurrent loans to loans | 0.0639% | 5,958 |
| Net loans and leases to total assets | 58.1208% | 3,824 |
| Net loans and leases to deposits | 70.6544% | 3,521 |
| Net loans and leases to core deposits | 74.6751% | 3,572 |
| Total domestic deposits to total assets | 82.2606% | 4,869 |
| Equity capital to assets | 8.5448% | 5,605 |
| Core capital (leverage) ratio | 8.7873% | 5,280 |
| Tier 1 risk-based capital ratio | 12.9783% | 5,018 |
| Total risk-based capital ratio | 14.2296% | 4,947 |
| Memoranda: | ||
| Average total assets | $227,766,000 | 2,760 |
| Average earning assets | $215,507,500 | 2,692 |
| Average equity | $19,624,500 | 3,211 |
| Average total loans | $140,256,000 | 2,731 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 4,699 |
| Cost of funding earning assets | 0.5007% | 3,604 |
| Net interest margin | 3.3276% | 4,566 |
| Noninterest income to average assets | 0.4167% | 4,328 |
| Noninterest expense to average assets | 2.6832% | 4,149 |
| Loan and lease loss provision to assets | 0.1314% | 2,665 |
| Net operating income to assets | 0.7348% | 3,634 |
| Return on assets (ROA) | 0.7457% | 3,668 |
| Pretax return on assets | 0.7755% | 4,243 |
| Return on Equity (ROE) | 8.4076% | 2,824 |
| Retained earnings to average equity (ytd only) | -0.7311% | 6,017 |
| Net charge-offs to loans | -0.0022% | 5,856 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9755% | 2,955 |
| Assets per employee ($millions) | 4.4093% | 3,067 |
| Cash dividends to net income (ytd only)* | 108.6957% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 3,308 |
| Loan loss allowance to noncurrent loans | 161.1658% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 4,459 |
| Noncurrent loans to loans | 0.9153% | 3,696 |
| Net loans and leases to total assets | 63.2331% | 3,176 |
| Net loans and leases to deposits | 77.2519% | 2,826 |
| Net loans and leases to core deposits | 80.9680% | 3,014 |
| Total domestic deposits to total assets | 81.8531% | 4,927 |
| Equity capital to assets | 8.6892% | 5,384 |
| Core capital (leverage) ratio | 8.9663% | 5,053 |
| Tier 1 risk-based capital ratio | 12.3288% | 5,408 |
| Total risk-based capital ratio | 13.5797% | 5,336 |
| Memoranda: | ||
| Average total assets | $228,233,600 | 2,734 |
| Average earning assets | $216,881,200 | 2,656 |
| Average equity | $20,243,600 | 3,127 |
| Average total loans | $138,205,800 | 2,733 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 4,887 |
| Cost of funding earning assets | 0.5082% | 3,690 |
| Net interest margin | 3.2837% | 4,703 |
| Noninterest income to average assets | 0.3748% | 4,709 |
| Noninterest expense to average assets | 2.5482% | 4,563 |
| Loan and lease loss provision to assets | 0.1746% | 2,084 |
| Net operating income to assets | 0.7405% | 3,646 |
| Return on assets (ROA) | 0.7549% | 3,707 |
| Pretax return on assets | 0.7927% | 4,320 |
| Return on Equity (ROE) | 8.4688% | 2,892 |
| Retained earnings to average equity (ytd only) | -0.6725% | 6,079 |
| Net charge-offs to loans | 0.0029% | 5,153 |
| Credit loss provision to net charge-offs | 10,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 545.3200% | 105 |
| Efficiency ratio | 72.7968% | 3,263 |
| Assets per employee ($millions) | 4.4706% | 2,928 |
| Cash dividends to net income (ytd only)* | 107.9414% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 3,524 |
| Loan loss allowance to noncurrent loans | 140.3173% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 4,440 |
| Noncurrent loans to loans | 1.0562% | 3,689 |
| Net loans and leases to total assets | 61.8959% | 3,382 |
| Net loans and leases to deposits | 76.2368% | 2,929 |
| Net loans and leases to core deposits | 79.9477% | 3,138 |
| Total domestic deposits to total assets | 81.1890% | 5,171 |
| Equity capital to assets | 8.7053% | 5,511 |
| Core capital (leverage) ratio | 8.8553% | 5,319 |
| Tier 1 risk-based capital ratio | 12.4219% | 5,504 |
| Total risk-based capital ratio | 13.6727% | 5,440 |
| Memoranda: | ||
| Average total assets | $229,073,000 | 2,747 |
| Average earning assets | $218,039,000 | 2,656 |
| Average equity | $20,419,500 | 3,145 |
| Average total loans | $136,676,000 | 2,763 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 5,015 |
| Cost of funding earning assets | 0.5170% | 3,733 |
| Net interest margin | 3.2255% | 4,855 |
| Noninterest income to average assets | 0.3496% | 4,893 |
| Noninterest expense to average assets | 2.5376% | 4,602 |
| Loan and lease loss provision to assets | 0.1743% | 2,164 |
| Net operating income to assets | 0.6730% | 3,941 |
| Return on assets (ROA) | 0.6730% | 4,104 |
| Pretax return on assets | 0.7105% | 4,651 |
| Return on Equity (ROE) | 7.4915% | 3,349 |
| Retained earnings to average equity (ytd only) | -1.2421% | 6,083 |
| Net charge-offs to loans | -0.0149% | 5,875 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1467% | 3,097 |
| Assets per employee ($millions) | 4.4434% | 2,906 |
| Cash dividends to net income (ytd only)* | 116.5803% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,549 |
| Loan loss allowance to noncurrent loans | 138.9761% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 4,620 |
| Noncurrent loans to loans | 1.0862% | 3,759 |
| Net loans and leases to total assets | 57.4936% | 4,063 |
| Net loans and leases to deposits | 71.3696% | 3,535 |
| Net loans and leases to core deposits | 75.7208% | 3,573 |
| Total domestic deposits to total assets | 80.5576% | 5,459 |
| Equity capital to assets | 8.5304% | 5,741 |
| Core capital (leverage) ratio | 8.6875% | 5,440 |
| Tier 1 risk-based capital ratio | 13.1053% | 5,066 |
| Total risk-based capital ratio | 14.3559% | 5,010 |
| Memoranda: | ||
| Average total assets | $229,431,000 | 2,749 |
| Average earning assets | $218,568,000 | 2,655 |
| Average equity | $20,610,000 | 3,142 |
| Average total loans | $134,486,330 | 2,795 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 4,981 |
| Cost of funding earning assets | 0.5189% | 3,893 |
| Net interest margin | 3.2347% | 4,783 |
| Noninterest income to average assets | 0.3289% | 5,071 |
| Noninterest expense to average assets | 2.6332% | 4,301 |
| Loan and lease loss provision to assets | 0.1750% | 2,120 |
| Net operating income to assets | 0.5704% | 4,360 |
| Return on assets (ROA) | 0.5704% | 4,510 |
| Pretax return on assets | 0.6071% | 4,917 |
| Return on Equity (ROE) | 6.1918% | 3,942 |
| Retained earnings to average equity (ytd only) | -3.3048% | 6,212 |
| Net charge-offs to loans | -0.0179% | 5,670 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1004% | 2,739 |
| Assets per employee ($millions) | 4.5128% | 2,945 |
| Cash dividends to net income (ytd only)* | 153.3742% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,809 |
| Loan loss allowance to noncurrent loans | 128.9720% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 4,782 |
| Noncurrent loans to loans | 1.1660% | 3,824 |
| Net loans and leases to total assets | 53.9262% | 4,430 |
| Net loans and leases to deposits | 64.3496% | 4,276 |
| Net loans and leases to core deposits | 68.2192% | 4,274 |
| Total domestic deposits to total assets | 83.8020% | 4,555 |
| Equity capital to assets | 8.9144% | 5,595 |
| Core capital (leverage) ratio | 8.7146% | 5,306 |
| Tier 1 risk-based capital ratio | 13.4596% | 4,902 |
| Total risk-based capital ratio | 14.7099% | 4,861 |
| Memoranda: | ||
| Average total assets | $228,618,000 | 2,789 |
| Average earning assets | $218,133,000 | 2,691 |
| Average equity | $21,060,000 | 3,123 |
| Average total loans | $134,290,000 | 2,812 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 4,215 |
| Cost of funding earning assets | 0.6462% | 3,942 |
| Net interest margin | 3.6471% | 3,890 |
| Noninterest income to average assets | 0.4470% | 4,265 |
| Noninterest expense to average assets | 2.5413% | 4,959 |
| Loan and lease loss provision to assets | 0.1950% | 3,197 |
| Net operating income to assets | 1.1729% | 1,684 |
| Return on assets (ROA) | 1.1729% | 1,854 |
| Pretax return on assets | 1.1835% | 2,853 |
| Return on Equity (ROE) | 12.1325% | 1,471 |
| Retained earnings to average equity (ytd only) | 4.0631% | 3,356 |
| Net charge-offs to loans | 0.3254% | 3,021 |
| Credit loss provision to net charge-offs | 95.7207% | 3,244 |
| Earnings coverage of net charge-offs (x) | 6.7658% | 2,742 |
| Efficiency ratio | 64.8326% | 4,733 |
| Assets per employee ($millions) | 4.3641% | 3,222 |
| Cash dividends to net income (ytd only)* | 66.5102% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,620 |
| Loan loss allowance to noncurrent loans | 116.6773% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 4,727 |
| Noncurrent loans to loans | 1.1170% | 3,976 |
| Net loans and leases to total assets | 62.1267% | 3,227 |
| Net loans and leases to deposits | 74.5254% | 3,019 |
| Net loans and leases to core deposits | 79.4516% | 3,083 |
| Total domestic deposits to total assets | 83.3631% | 4,578 |
| Equity capital to assets | 9.5255% | 4,838 |
| Core capital (leverage) ratio | 9.2237% | 4,536 |
| Tier 1 risk-based capital ratio | 13.1099% | 5,029 |
| Total risk-based capital ratio | 14.2937% | 5,016 |
| Memoranda: | ||
| Average total assets | $217,918,400 | 2,862 |
| Average earning assets | $207,508,000 | 2,771 |
| Average equity | $21,067,400 | 3,088 |
| Average total loans | $136,435,600 | 2,767 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 4,354 |
| Cost of funding earning assets | 0.6575% | 4,129 |
| Net interest margin | 3.6658% | 3,940 |
| Noninterest income to average assets | 0.4060% | 4,593 |
| Noninterest expense to average assets | 2.4857% | 5,128 |
| Loan and lease loss provision to assets | 0.1845% | 3,281 |
| Net operating income to assets | 1.1958% | 1,758 |
| Return on assets (ROA) | 1.1958% | 1,930 |
| Pretax return on assets | 1.2339% | 2,854 |
| Return on Equity (ROE) | 12.3226% | 1,527 |
| Retained earnings to average equity (ytd only) | 4.7161% | 3,585 |
| Net charge-offs to loans | 0.4417% | 2,338 |
| Credit loss provision to net charge-offs | 66.8151% | 3,987 |
| Earnings coverage of net charge-offs (x) | 5.1359% | 3,101 |
| Efficiency ratio | 63.6679% | 4,860 |
| Assets per employee ($millions) | 4.1641% | 3,544 |
| Cash dividends to net income (ytd only)* | 61.7283% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,209 |
| Loan loss allowance to noncurrent loans | 111.2861% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 4,928 |
| Noncurrent loans to loans | 1.0935% | 4,247 |
| Net loans and leases to total assets | 63.5803% | 3,099 |
| Net loans and leases to deposits | 76.4039% | 2,925 |
| Net loans and leases to core deposits | 81.6116% | 3,011 |
| Total domestic deposits to total assets | 83.2160% | 4,555 |
| Equity capital to assets | 9.8174% | 4,755 |
| Core capital (leverage) ratio | 9.2998% | 4,587 |
| Tier 1 risk-based capital ratio | 12.8056% | 5,403 |
| Total risk-based capital ratio | 13.8831% | 5,495 |
| Memoranda: | ||
| Average total assets | $216,755,250 | 2,898 |
| Average earning assets | $206,843,750 | 2,803 |
| Average equity | $21,034,000 | 3,114 |
| Average total loans | $135,519,000 | 2,817 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 4,269 |
| Cost of funding earning assets | 0.6747% | 4,229 |
| Net interest margin | 3.7031% | 3,802 |
| Noninterest income to average assets | 0.3985% | 4,662 |
| Noninterest expense to average assets | 2.4738% | 5,225 |
| Loan and lease loss provision to assets | 0.1845% | 3,259 |
| Net operating income to assets | 1.2351% | 1,597 |
| Return on assets (ROA) | 1.2351% | 1,783 |
| Pretax return on assets | 1.2738% | 2,642 |
| Return on Equity (ROE) | 12.7771% | 1,422 |
| Retained earnings to average equity (ytd only) | 5.1433% | 3,193 |
| Net charge-offs to loans | 0.5870% | 1,850 |
| Credit loss provision to net charge-offs | 50.7614% | 4,017 |
| Earnings coverage of net charge-offs (x) | 4.0127% | 3,199 |
| Efficiency ratio | 62.9134% | 5,096 |
| Assets per employee ($millions) | 4.1401% | 3,587 |
| Cash dividends to net income (ytd only)* | 59.7461% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,263 |
| Loan loss allowance to noncurrent loans | 83.7221% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 4,535 |
| Noncurrent loans to loans | 1.4586% | 3,722 |
| Net loans and leases to total assets | 62.0329% | 3,430 |
| Net loans and leases to deposits | 74.7597% | 3,163 |
| Net loans and leases to core deposits | 80.6253% | 3,133 |
| Total domestic deposits to total assets | 82.9764% | 4,765 |
| Equity capital to assets | 9.7978% | 4,630 |
| Core capital (leverage) ratio | 9.0379% | 4,857 |
| Tier 1 risk-based capital ratio | 12.8812% | 5,270 |
| Total risk-based capital ratio | 13.9486% | 5,389 |
| Memoranda: | ||
| Average total assets | $216,829,000 | 2,904 |
| Average earning assets | $206,906,000 | 2,798 |
| Average equity | $20,959,330 | 3,114 |
| Average total loans | $134,235,670 | 2,847 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 3,295 |
| Cost of funding earning assets | 0.6974% | 4,305 |
| Net interest margin | 3.9466% | 2,736 |
| Noninterest income to average assets | 0.3989% | 4,682 |
| Noninterest expense to average assets | 2.4798% | 5,214 |
| Loan and lease loss provision to assets | 0.1838% | 3,136 |
| Net operating income to assets | 1.4522% | 1,115 |
| Return on assets (ROA) | 1.4522% | 1,246 |
| Pretax return on assets | 1.4908% | 1,892 |
| Return on Equity (ROE) | 15.1250% | 950 |
| Retained earnings to average equity (ytd only) | 7.4668% | 2,191 |
| Net charge-offs to loans | 0.0419% | 4,114 |
| Credit loss provision to net charge-offs | 714.2857% | 489 |
| Earnings coverage of net charge-offs (x) | 65.0714% | 517 |
| Efficiency ratio | 59.6903% | 5,668 |
| Assets per employee ($millions) | 4.1458% | 3,700 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 4,238 |
| Loan loss allowance to noncurrent loans | 441.8764% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 6,389 |
| Noncurrent loans to loans | 0.3363% | 5,999 |
| Net loans and leases to total assets | 58.2622% | 3,992 |
| Net loans and leases to deposits | 69.8702% | 3,752 |
| Net loans and leases to core deposits | 75.0031% | 3,745 |
| Total domestic deposits to total assets | 83.3864% | 4,766 |
| Equity capital to assets | 9.5709% | 4,690 |
| Core capital (leverage) ratio | 8.9619% | 4,898 |
| Tier 1 risk-based capital ratio | 13.1856% | 5,077 |
| Total risk-based capital ratio | 14.4363% | 5,047 |
| Memoranda: | ||
| Average total assets | $217,601,500 | 2,915 |
| Average earning assets | $207,066,000 | 2,811 |
| Average equity | $20,892,500 | 3,118 |
| Average total loans | $133,754,500 | 2,876 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 5,146 |
| Cost of funding earning assets | 0.8351% | 4,587 |
| Net interest margin | 3.6466% | 4,537 |
| Noninterest income to average assets | 0.4553% | 4,180 |
| Noninterest expense to average assets | 2.5627% | 5,240 |
| Loan and lease loss provision to assets | 0.2496% | 3,705 |
| Net operating income to assets | 1.0626% | 1,948 |
| Return on assets (ROA) | 1.0733% | 2,049 |
| Pretax return on assets | 1.1117% | 2,792 |
| Return on Equity (ROE) | 11.4916% | 1,561 |
| Retained earnings to average equity (ytd only) | 3.5732% | 3,689 |
| Net charge-offs to loans | 0.2750% | 4,052 |
| Credit loss provision to net charge-offs | 151.2605% | 1,859 |
| Earnings coverage of net charge-offs (x) | 8.1821% | 2,197 |
| Efficiency ratio | 65.4932% | 4,870 |
| Assets per employee ($millions) | 4.0655% | 3,722 |
| Cash dividends to net income (ytd only)* | 68.9061% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 4,702 |
| Loan loss allowance to noncurrent loans | 595.1613% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 6,489 |
| Noncurrent loans to loans | 0.2254% | 6,288 |
| Net loans and leases to total assets | 62.9839% | 3,405 |
| Net loans and leases to deposits | 77.3176% | 2,954 |
| Net loans and leases to core deposits | 82.9446% | 3,032 |
| Total domestic deposits to total assets | 81.4613% | 5,307 |
| Equity capital to assets | 9.6323% | 4,700 |
| Core capital (leverage) ratio | 9.1085% | 4,603 |
| Tier 1 risk-based capital ratio | 12.4720% | 5,474 |
| Total risk-based capital ratio | 13.6569% | 5,502 |
| Memoranda: | ||
| Average total assets | $216,334,600 | 2,877 |
| Average earning assets | $205,124,400 | 2,788 |
| Average equity | $20,206,000 | 3,104 |
| Average total loans | $129,798,600 | 2,983 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 5,710 |
| Cost of funding earning assets | 0.8702% | 4,638 |
| Net interest margin | 3.4996% | 5,193 |
| Noninterest income to average assets | 0.4408% | 4,358 |
| Noninterest expense to average assets | 2.5299% | 5,352 |
| Loan and lease loss provision to assets | 0.2155% | 3,862 |
| Net operating income to assets | 0.9781% | 2,404 |
| Return on assets (ROA) | 0.9894% | 2,514 |
| Pretax return on assets | 1.0227% | 3,317 |
| Return on Equity (ROE) | 10.6764% | 1,961 |
| Retained earnings to average equity (ytd only) | 2.7040% | 4,739 |
| Net charge-offs to loans | -0.0177% | 6,885 |
| Credit loss provision to net charge-offs | -2,058.8235% | 6,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3496% | 4,453 |
| Assets per employee ($millions) | 4.0414% | 3,754 |
| Cash dividends to net income (ytd only)* | 74.6734% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 3,971 |
| Loan loss allowance to noncurrent loans | 252.0497% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 1.0644% | 4,647 |
| Noncurrent loans to loans | 0.6060% | 5,675 |
| Net loans and leases to total assets | 61.0693% | 3,928 |
| Net loans and leases to deposits | 75.4977% | 3,411 |
| Net loans and leases to core deposits | 81.1459% | 3,462 |
| Total domestic deposits to total assets | 80.8890% | 5,470 |
| Equity capital to assets | 9.5917% | 4,944 |
| Core capital (leverage) ratio | 8.9079% | 5,084 |
| Tier 1 risk-based capital ratio | 12.5586% | 5,447 |
| Total risk-based capital ratio | 13.8094% | 5,435 |
| Memoranda: | ||
| Average total assets | $216,549,750 | 2,885 |
| Average earning assets | $205,161,250 | 2,797 |
| Average equity | $20,068,750 | 3,132 |
| Average total loans | $127,858,500 | 3,048 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 6,122 |
| Cost of funding earning assets | 0.9029% | 4,639 |
| Net interest margin | 3.3626% | 5,672 |
| Noninterest income to average assets | 0.4233% | 4,484 |
| Noninterest expense to average assets | 2.6052% | 5,160 |
| Loan and lease loss provision to assets | 0.3221% | 2,856 |
| Net operating income to assets | 0.6571% | 3,762 |
| Return on assets (ROA) | 0.6571% | 3,887 |
| Pretax return on assets | 0.6902% | 4,417 |
| Return on Equity (ROE) | 7.1723% | 3,364 |
| Retained earnings to average equity (ytd only) | -0.8639% | 6,029 |
| Net charge-offs to loans | 0.2076% | 3,907 |
| Credit loss provision to net charge-offs | 267.1756% | 1,138 |
| Earnings coverage of net charge-offs (x) | 8.3969% | 2,065 |
| Efficiency ratio | 72.0173% | 3,729 |
| Assets per employee ($millions) | 4.0340% | 3,687 |
| Cash dividends to net income (ytd only)* | 112.0448% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 4,045 |
| Loan loss allowance to noncurrent loans | 278.6667% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 4,890 |
| Noncurrent loans to loans | 0.5447% | 5,823 |
| Net loans and leases to total assets | 56.0222% | 4,991 |
| Net loans and leases to deposits | 68.8617% | 4,582 |
| Net loans and leases to core deposits | 73.3486% | 4,659 |
| Total domestic deposits to total assets | 81.3547% | 5,403 |
| Equity capital to assets | 9.1780% | 5,312 |
| Core capital (leverage) ratio | 8.6033% | 5,400 |
| Tier 1 risk-based capital ratio | 12.9663% | 4,937 |
| Total risk-based capital ratio | 14.2173% | 4,925 |
| Memoranda: | ||
| Average total assets | $217,334,330 | 2,882 |
| Average earning assets | $206,449,000 | 2,801 |
| Average equity | $19,910,000 | 3,141 |
| Average total loans | $126,199,000 | 3,102 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 5,640 |
| Cost of funding earning assets | 0.9688% | 4,433 |
| Net interest margin | 3.4458% | 5,242 |
| Noninterest income to average assets | 0.4238% | 4,502 |
| Noninterest expense to average assets | 2.5981% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0761% | 1,926 |
| Return on assets (ROA) | 1.0761% | 1,974 |
| Pretax return on assets | 1.1092% | 2,726 |
| Return on Equity (ROE) | 11.7573% | 1,533 |
| Retained earnings to average equity (ytd only) | 3.7044% | 3,951 |
| Net charge-offs to loans | -0.0094% | 6,351 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0795% | 4,255 |
| Assets per employee ($millions) | 4.0259% | 3,786 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,807 |
| Loan loss allowance to noncurrent loans | 117.1710% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 5,557 |
| Noncurrent loans to loans | 1.1694% | 4,746 |
| Net loans and leases to total assets | 55.1297% | 5,137 |
| Net loans and leases to deposits | 66.3853% | 4,915 |
| Net loans and leases to core deposits | 72.6446% | 4,702 |
| Total domestic deposits to total assets | 83.0451% | 4,907 |
| Equity capital to assets | 9.1932% | 4,880 |
| Core capital (leverage) ratio | 8.7749% | 4,964 |
| Tier 1 risk-based capital ratio | 13.2991% | 4,578 |
| Total risk-based capital ratio | 14.4723% | 4,626 |
| Memoranda: | ||
| Average total assets | $217,084,000 | 2,912 |
| Average earning assets | $206,859,500 | 2,820 |
| Average equity | $19,868,500 | 3,136 |
| Average total loans | $127,340,000 | 3,115 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 5,181 |
| Cost of funding earning assets | 1.3527% | 3,553 |
| Net interest margin | 3.5108% | 5,205 |
| Noninterest income to average assets | 0.5368% | 3,910 |
| Noninterest expense to average assets | 2.6365% | 5,272 |
| Loan and lease loss provision to assets | 0.2613% | 4,700 |
| Net operating income to assets | 0.9339% | 2,265 |
| Return on assets (ROA) | 0.9339% | 2,392 |
| Pretax return on assets | 0.9690% | 3,033 |
| Return on Equity (ROE) | 9.7368% | 2,026 |
| Retained earnings to average equity (ytd only) | -0.4481% | 5,697 |
| Net charge-offs to loans | 0.2602% | 4,734 |
| Credit loss provision to net charge-offs | 160.6607% | 2,169 |
| Earnings coverage of net charge-offs (x) | 7.5646% | 2,110 |
| Efficiency ratio | 67.6772% | 4,629 |
| Assets per employee ($millions) | 3.9412% | 3,909 |
| Cash dividends to net income (ytd only)* | 104.6025% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 5,278 |
| Loan loss allowance to noncurrent loans | 791.4286% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 6,858 |
| Noncurrent loans to loans | 0.1577% | 6,751 |
| Net loans and leases to total assets | 60.6644% | 4,555 |
| Net loans and leases to deposits | 75.1224% | 3,998 |
| Net loans and leases to core deposits | 82.9419% | 3,754 |
| Total domestic deposits to total assets | 80.7541% | 5,607 |
| Equity capital to assets | 9.1116% | 4,978 |
| Core capital (leverage) ratio | 8.8143% | 4,835 |
| Tier 1 risk-based capital ratio | 12.4253% | 5,087 |
| Total risk-based capital ratio | 13.5306% | 5,186 |
| Memoranda: | ||
| Average total assets | $204,737,400 | 3,044 |
| Average earning assets | $194,201,400 | 2,948 |
| Average equity | $19,636,800 | 3,197 |
| Average total loans | $128,000,000 | 3,159 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 5,269 |
| Cost of funding earning assets | 1.4263% | 3,416 |
| Net interest margin | 3.4739% | 5,401 |
| Noninterest income to average assets | 0.5307% | 3,936 |
| Noninterest expense to average assets | 2.6887% | 4,929 |
| Loan and lease loss provision to assets | 0.2545% | 4,545 |
| Net operating income to assets | 0.8486% | 2,814 |
| Return on assets (ROA) | 0.8486% | 2,946 |
| Pretax return on assets | 0.8843% | 3,606 |
| Return on Equity (ROE) | 8.7308% | 2,591 |
| Retained earnings to average equity (ytd only) | -2.1487% | 6,224 |
| Net charge-offs to loans | 0.1431% | 5,154 |
| Credit loss provision to net charge-offs | 283.0882% | 1,145 |
| Earnings coverage of net charge-offs (x) | 12.6691% | 1,664 |
| Efficiency ratio | 69.7289% | 4,126 |
| Assets per employee ($millions) | 3.7326% | 4,426 |
| Cash dividends to net income (ytd only)* | 124.6104% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,808 |
| Loan loss allowance to noncurrent loans | 323.8636% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 6,364 |
| Noncurrent loans to loans | 0.4101% | 6,378 |
| Net loans and leases to total assets | 61.8883% | 4,555 |
| Net loans and leases to deposits | 77.0284% | 4,006 |
| Net loans and leases to core deposits | 81.0561% | 4,374 |
| Total domestic deposits to total assets | 80.3448% | 5,597 |
| Equity capital to assets | 9.7231% | 4,512 |
| Core capital (leverage) ratio | 9.0002% | 4,694 |
| Tier 1 risk-based capital ratio | 12.6635% | 4,846 |
| Total risk-based capital ratio | 13.8369% | 4,885 |
| Memoranda: | ||
| Average total assets | $201,729,750 | 3,116 |
| Average earning assets | $191,443,750 | 3,018 |
| Average equity | $19,608,250 | 3,239 |
| Average total loans | $126,709,250 | 3,239 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 5,212 |
| Cost of funding earning assets | 1.4548% | 3,532 |
| Net interest margin | 3.4882% | 5,292 |
| Noninterest income to average assets | 0.4986% | 4,132 |
| Noninterest expense to average assets | 2.6728% | 5,026 |
| Loan and lease loss provision to assets | 0.3092% | 3,909 |
| Net operating income to assets | 0.7879% | 3,028 |
| Return on assets (ROA) | 0.7879% | 3,173 |
| Pretax return on assets | 0.8238% | 3,802 |
| Return on Equity (ROE) | 8.1064% | 2,850 |
| Retained earnings to average equity (ytd only) | -2.1549% | 6,168 |
| Net charge-offs to loans | 0.1952% | 4,436 |
| Credit loss provision to net charge-offs | 252.0325% | 1,518 |
| Earnings coverage of net charge-offs (x) | 9.2358% | 2,041 |
| Efficiency ratio | 69.7065% | 4,243 |
| Assets per employee ($millions) | 3.6615% | 4,567 |
| Cash dividends to net income (ytd only)* | 126.5823% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,866 |
| Loan loss allowance to noncurrent loans | 201.9608% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 6,293 |
| Noncurrent loans to loans | 0.6475% | 5,962 |
| Net loans and leases to total assets | 61.7599% | 4,729 |
| Net loans and leases to deposits | 77.6910% | 4,040 |
| Net loans and leases to core deposits | 82.3723% | 4,361 |
| Total domestic deposits to total assets | 79.4943% | 5,891 |
| Equity capital to assets | 9.8176% | 4,245 |
| Core capital (leverage) ratio | 9.2856% | 4,144 |
| Tier 1 risk-based capital ratio | 13.0998% | 4,360 |
| Total risk-based capital ratio | 14.2642% | 4,382 |
| Memoranda: | ||
| Average total assets | $200,541,670 | 3,160 |
| Average earning assets | $190,126,330 | 3,061 |
| Average equity | $19,490,670 | 3,243 |
| Average total loans | $126,024,670 | 3,278 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 5,940 |
| Cost of funding earning assets | 1.4949% | 3,595 |
| Net interest margin | 3.2910% | 6,006 |
| Noninterest income to average assets | 0.5117% | 3,960 |
| Noninterest expense to average assets | 2.6464% | 5,161 |
| Loan and lease loss provision to assets | 0.4697% | 2,620 |
| Net operating income to assets | 0.4837% | 4,479 |
| Return on assets (ROA) | 0.4837% | 4,610 |
| Pretax return on assets | 0.5197% | 4,895 |
| Return on Equity (ROE) | 5.0025% | 4,358 |
| Retained earnings to average equity (ytd only) | -5.3332% | 6,610 |
| Net charge-offs to loans | 0.5840% | 2,344 |
| Credit loss provision to net charge-offs | 127.7174% | 2,760 |
| Earnings coverage of net charge-offs (x) | 2.6902% | 3,193 |
| Efficiency ratio | 72.2375% | 3,883 |
| Assets per employee ($millions) | 3.6134% | 4,791 |
| Cash dividends to net income (ytd only)* | 206.6116% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,205 |
| Loan loss allowance to noncurrent loans | 284.7458% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 6,757 |
| Noncurrent loans to loans | 0.4394% | 6,419 |
| Net loans and leases to total assets | 60.0501% | 5,112 |
| Net loans and leases to deposits | 75.0222% | 4,573 |
| Net loans and leases to core deposits | 79.5323% | 4,824 |
| Total domestic deposits to total assets | 80.0432% | 5,767 |
| Equity capital to assets | 9.6312% | 4,333 |
| Core capital (leverage) ratio | 9.1905% | 4,244 |
| Tier 1 risk-based capital ratio | 13.5232% | 3,966 |
| Total risk-based capital ratio | 14.6310% | 4,023 |
| Memoranda: | ||
| Average total assets | $200,121,000 | 3,214 |
| Average earning assets | $189,974,000 | 3,120 |
| Average equity | $19,350,500 | 3,284 |
| Average total loans | $126,026,000 | 3,346 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3938% | 4,732 |
| Cost of funding earning assets | 1.7349% | 4,334 |
| Net interest margin | 3.6589% | 4,315 |
| Noninterest income to average assets | 0.5811% | 3,779 |
| Noninterest expense to average assets | 2.7016% | 5,386 |
| Loan and lease loss provision to assets | 0.1032% | 6,601 |
| Net operating income to assets | 1.1859% | 1,281 |
| Return on assets (ROA) | 1.1859% | 1,329 |
| Pretax return on assets | 1.2231% | 1,896 |
| Return on Equity (ROE) | 11.8351% | 1,201 |
| Retained earnings to average equity (ytd only) | 1.1742% | 4,222 |
| Net charge-offs to loans | 0.1317% | 5,883 |
| Credit loss provision to net charge-offs | 121.9512% | 4,346 |
| Earnings coverage of net charge-offs (x) | 15.6707% | 1,292 |
| Efficiency ratio | 66.5599% | 5,280 |
| Assets per employee ($millions) | 3.6637% | 4,614 |
| Cash dividends to net income (ytd only)* | 90.0783% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,837 |
| Loan loss allowance to noncurrent loans | 224.7692% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 6,585 |
| Noncurrent loans to loans | 0.4954% | 6,262 |
| Net loans and leases to total assets | 64.3842% | 4,517 |
| Net loans and leases to deposits | 80.5523% | 3,881 |
| Net loans and leases to core deposits | 98.7419% | 4,144 |
| Total domestic deposits to total assets | 79.9283% | 5,687 |
| Equity capital to assets | 9.7071% | 4,138 |
| Core capital (leverage) ratio | 9.6129% | 3,580 |
| Tier 1 risk-based capital ratio | 12.8905% | 4,217 |
| Total risk-based capital ratio | 13.8974% | 4,338 |
| Memoranda: | ||
| Average total assets | $193,772,000 | 3,248 |
| Average earning assets | $182,542,600 | 3,190 |
| Average equity | $19,416,800 | 3,290 |
| Average total loans | $124,533,200 | 3,390 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3950% | 4,974 |
| Cost of funding earning assets | 1.7895% | 4,423 |
| Net interest margin | 3.6055% | 4,464 |
| Noninterest income to average assets | 0.4969% | 4,509 |
| Noninterest expense to average assets | 2.7578% | 5,074 |
| Loan and lease loss provision to assets | 0.0973% | 6,393 |
| Net operating income to assets | 1.0008% | 2,051 |
| Return on assets (ROA) | 1.0008% | 2,114 |
| Pretax return on assets | 1.0363% | 2,789 |
| Return on Equity (ROE) | 9.9064% | 1,951 |
| Retained earnings to average equity (ytd only) | -1.2383% | 5,542 |
| Net charge-offs to loans | 0.1812% | 4,937 |
| Credit loss provision to net charge-offs | 83.8323% | 5,657 |
| Earnings coverage of net charge-offs (x) | 9.7665% | 2,059 |
| Efficiency ratio | 70.3340% | 4,524 |
| Assets per employee ($millions) | 3.5110% | 4,899 |
| Cash dividends to net income (ytd only)* | 112.5003% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 5,814 |
| Loan loss allowance to noncurrent loans | 183.2011% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 6,481 |
| Noncurrent loans to loans | 0.5923% | 6,123 |
| Net loans and leases to total assets | 65.3860% | 4,563 |
| Net loans and leases to deposits | 82.8074% | 3,865 |
| Net loans and leases to core deposits | 102.4513% | 4,110 |
| Total domestic deposits to total assets | 78.9616% | 5,820 |
| Equity capital to assets | 9.9501% | 4,154 |
| Core capital (leverage) ratio | 9.4844% | 3,929 |
| Tier 1 risk-based capital ratio | 13.0382% | 4,167 |
| Total risk-based capital ratio | 14.0359% | 4,270 |
| Memoranda: | ||
| Average total assets | $191,839,250 | 3,295 |
| Average earning assets | $180,608,500 | 3,230 |
| Average equity | $19,381,000 | 3,328 |
| Average total loans | $122,867,250 | 3,449 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 4,995 |
| Cost of funding earning assets | 1.8354% | 4,579 |
| Net interest margin | 3.5930% | 4,393 |
| Noninterest income to average assets | 0.4733% | 4,687 |
| Noninterest expense to average assets | 2.7218% | 5,299 |
| Loan and lease loss provision to assets | 0.0731% | 6,461 |
| Net operating income to assets | 1.0156% | 2,055 |
| Return on assets (ROA) | 1.0156% | 2,142 |
| Pretax return on assets | 1.0511% | 2,804 |
| Return on Equity (ROE) | 10.0017% | 2,023 |
| Retained earnings to average equity (ytd only) | 1.8727% | 4,301 |
| Net charge-offs to loans | 0.2688% | 3,846 |
| Credit loss provision to net charge-offs | 42.9448% | 5,861 |
| Earnings coverage of net charge-offs (x) | 6.6012% | 2,590 |
| Efficiency ratio | 70.2255% | 4,732 |
| Assets per employee ($millions) | 3.5460% | 4,698 |
| Cash dividends to net income (ytd only)* | 81.2757% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 5,756 |
| Loan loss allowance to noncurrent loans | 176.3369% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 6,500 |
| Noncurrent loans to loans | 0.6093% | 6,043 |
| Net loans and leases to total assets | 62.2730% | 5,312 |
| Net loans and leases to deposits | 78.3302% | 4,813 |
| Net loans and leases to core deposits | 97.2199% | 4,764 |
| Total domestic deposits to total assets | 79.5006% | 5,651 |
| Equity capital to assets | 9.9410% | 4,031 |
| Core capital (leverage) ratio | 9.5533% | 3,807 |
| Tier 1 risk-based capital ratio | 13.6771% | 3,707 |
| Total risk-based capital ratio | 14.6567% | 3,806 |
| Memoranda: | ||
| Average total assets | $191,417,670 | 3,326 |
| Average earning assets | $179,684,330 | 3,262 |
| Average equity | $19,436,670 | 3,330 |
| Average total loans | $121,273,670 | 3,511 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 5,174 |
| Cost of funding earning assets | 1.9096% | 4,580 |
| Net interest margin | 3.5407% | 4,563 |
| Noninterest income to average assets | 0.4451% | 4,829 |
| Noninterest expense to average assets | 2.6834% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0506% | 2,130 |
| Return on assets (ROA) | 1.0506% | 2,262 |
| Pretax return on assets | 1.0864% | 3,039 |
| Return on Equity (ROE) | 10.2359% | 2,225 |
| Retained earnings to average equity (ytd only) | -0.8633% | 5,857 |
| Net charge-offs to loans | 0.2854% | 2,971 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.9884% | 2,572 |
| Efficiency ratio | 70.6212% | 4,446 |
| Assets per employee ($millions) | 3.4847% | 4,857 |
| Cash dividends to net income (ytd only)* | 108.4337% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,385 |
| Loan loss allowance to noncurrent loans | 187.2881% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 6,418 |
| Noncurrent loans to loans | 0.5936% | 5,913 |
| Net loans and leases to total assets | 60.4406% | 5,584 |
| Net loans and leases to deposits | 76.1127% | 5,208 |
| Net loans and leases to core deposits | 93.9082% | 5,160 |
| Total domestic deposits to total assets | 79.4094% | 5,569 |
| Equity capital to assets | 9.8918% | 4,125 |
| Core capital (leverage) ratio | 9.7050% | 3,751 |
| Tier 1 risk-based capital ratio | 14.0123% | 3,580 |
| Total risk-based capital ratio | 15.0337% | 3,627 |
| Memoranda: | ||
| Average total assets | $189,611,500 | 3,364 |
| Average earning assets | $178,044,500 | 3,306 |
| Average equity | $19,461,000 | 3,353 |
| Average total loans | $120,525,500 | 3,543 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1133% | 4,971 |
| Cost of funding earning assets | 2.2097% | 5,557 |
| Net interest margin | 3.9036% | 3,538 |
| Noninterest income to average assets | 0.5746% | 4,053 |
| Noninterest expense to average assets | 2.7337% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4920% | 1,040 |
| Return on assets (ROA) | 1.5250% | 938 |
| Pretax return on assets | 1.5602% | 1,513 |
| Return on Equity (ROE) | 14.8692% | 943 |
| Retained earnings to average equity (ytd only) | 6.2743% | 1,399 |
| Net charge-offs to loans | 0.0787% | 5,637 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 30.4505% | 1,161 |
| Efficiency ratio | 63.6493% | 5,634 |
| Assets per employee ($millions) | 3.4089% | 4,921 |
| Cash dividends to net income (ytd only)* | 57.8035% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 4,859 |
| Loan loss allowance to noncurrent loans | 127.1171% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 5,390 |
| Noncurrent loans to loans | 0.9115% | 4,798 |
| Net loans and leases to total assets | 65.3891% | 4,971 |
| Net loans and leases to deposits | 82.8075% | 4,601 |
| Net loans and leases to core deposits | 101.0299% | 4,718 |
| Total domestic deposits to total assets | 78.9652% | 5,391 |
| Equity capital to assets | 10.6578% | 3,332 |
| Core capital (leverage) ratio | 10.2208% | 3,246 |
| Tier 1 risk-based capital ratio | 14.1498% | 3,475 |
| Total risk-based capital ratio | 15.2437% | 3,471 |
| Memoranda: | ||
| Average total assets | $181,510,200 | 3,391 |
| Average earning assets | $171,379,600 | 3,317 |
| Average equity | $18,615,600 | 3,458 |
| Average total loans | $115,605,800 | 3,550 |