| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7233% | 906 |
| Cost of funding earning assets | 2.0640% | 823 |
| Net interest margin | 3.6592% | 1,840 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.5292% | 2,221 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3918% | 1,227 |
| Return on assets (ROA) | 1.3541% | 1,287 |
| Pretax return on assets | 1.3655% | 1,708 |
| Return on Equity (ROE) | 11.7800% | 2,012 |
| Retained earnings to average equity (ytd only) | 2.4908% | 3,447 |
| Net charge-offs to loans | -0.0006% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.4999% | 2,670 |
| Assets per employee ($millions) | 6.6215% | 2,328 |
| Cash dividends to net income (ytd only)* | 78.8644% | 610 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5872% | 861 |
| Loan loss allowance to noncurrent loans | 682.6087% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 2,720 |
| Noncurrent loans to loans | 0.2325% | 2,380 |
| Net loans and leases to total assets | 52.2700% | 3,467 |
| Net loans and leases to deposits | 59.5186% | 3,553 |
| Net loans and leases to core deposits | 77.4905% | 2,879 |
| Total domestic deposits to total assets | 87.8300% | 1,408 |
| Equity capital to assets | 11.5624% | 1,261 |
| Core capital (leverage) ratio | 14.5907% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $280,917,800 | 2,519 |
| Average earning assets | $262,158,000 | 2,511 |
| Average equity | $32,278,800 | 2,172 |
| Average total loans | $157,427,400 | 2,618 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6236% | 885 |
| Cost of funding earning assets | 1.8805% | 885 |
| Net interest margin | 3.7430% | 1,698 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.6174% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4505% | 1,220 |
| Return on assets (ROA) | 1.4000% | 1,306 |
| Pretax return on assets | 1.4468% | 1,682 |
| Return on Equity (ROE) | 12.2000% | 2,074 |
| Retained earnings to average equity (ytd only) | 1.4915% | 3,846 |
| Net charge-offs to loans | -0.0008% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.5874% | 2,550 |
| Assets per employee ($millions) | 6.2846% | 2,504 |
| Cash dividends to net income (ytd only)* | 87.7797% | 352 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4663% | 1,205 |
| Loan loss allowance to noncurrent loans | 948.4000% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 2,996 |
| Noncurrent loans to loans | 0.1546% | 2,781 |
| Net loans and leases to total assets | 56.3400% | 3,173 |
| Net loans and leases to deposits | 65.3647% | 3,185 |
| Net loans and leases to core deposits | 78.9927% | 2,673 |
| Total domestic deposits to total assets | 86.1900% | 2,137 |
| Equity capital to assets | 10.9365% | 1,370 |
| Core capital (leverage) ratio | 14.3889% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $276,655,500 | 2,546 |
| Average earning assets | $258,145,000 | 2,534 |
| Average equity | $31,735,500 | 2,179 |
| Average total loans | $157,216,500 | 2,625 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4350% | 917 |
| Cost of funding earning assets | 1.6012% | 1,066 |
| Net interest margin | 3.8338% | 1,557 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.6547% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3158% | 1,528 |
| Return on assets (ROA) | 1.2389% | 1,715 |
| Pretax return on assets | 1.2935% | 2,101 |
| Return on Equity (ROE) | 10.6300% | 2,527 |
| Retained earnings to average equity (ytd only) | -2.4934% | 4,317 |
| Net charge-offs to loans | -0.0013% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.9013% | 2,251 |
| Assets per employee ($millions) | 6.3242% | 2,454 |
| Cash dividends to net income (ytd only)* | 123.4568% | 183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4713% | 1,274 |
| Loan loss allowance to noncurrent loans | 277.3099% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 1,715 |
| Noncurrent loans to loans | 0.5306% | 1,406 |
| Net loans and leases to total assets | 55.7900% | 3,136 |
| Net loans and leases to deposits | 64.4933% | 3,163 |
| Net loans and leases to core deposits | 75.7318% | 2,774 |
| Total domestic deposits to total assets | 86.5100% | 2,089 |
| Equity capital to assets | 11.4175% | 1,224 |
| Core capital (leverage) ratio | 14.6831% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $274,605,333 | 2,559 |
| Average earning assets | $255,933,667 | 2,548 |
| Average equity | $32,004,333 | 2,188 |
| Average total loans | $155,720,667 | 2,630 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4325% | 684 |
| Cost of funding earning assets | 1.3912% | 1,040 |
| Net interest margin | 4.0413% | 1,194 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.8010% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3820% | 1,459 |
| Return on assets (ROA) | 1.2225% | 1,843 |
| Pretax return on assets | 1.2759% | 2,239 |
| Return on Equity (ROE) | 10.3800% | 2,671 |
| Retained earnings to average equity (ytd only) | -10.4030% | 4,484 |
| Net charge-offs to loans | -0.0026% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.0140% | 2,202 |
| Assets per employee ($millions) | 5.8214% | 2,918 |
| Cash dividends to net income (ytd only)* | 200.2427% | 147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5595% | 1,094 |
| Loan loss allowance to noncurrent loans | 408.6441% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 2,058 |
| Noncurrent loans to loans | 0.3816% | 1,787 |
| Net loans and leases to total assets | 55.6300% | 3,062 |
| Net loans and leases to deposits | 63.5117% | 3,129 |
| Net loans and leases to core deposits | 68.1743% | 3,084 |
| Total domestic deposits to total assets | 87.5800% | 2,067 |
| Equity capital to assets | 11.7612% | 1,069 |
| Core capital (leverage) ratio | 14.7752% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $269,613,500 | 2,616 |
| Average earning assets | $251,008,500 | 2,614 |
| Average equity | $31,760,000 | 2,224 |
| Average total loans | $153,005,500 | 2,677 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1626% | 1,324 |
| Cost of funding earning assets | 0.5172% | 1,285 |
| Net interest margin | 3.6454% | 1,505 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.5281% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5601% | 760 |
| Return on assets (ROA) | 1.5627% | 718 |
| Pretax return on assets | 1.6028% | 1,164 |
| Return on Equity (ROE) | 11.9300% | 2,163 |
| Retained earnings to average equity (ytd only) | 3.1976% | 3,667 |
| Net charge-offs to loans | -0.0007% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.2301% | 2,877 |
| Assets per employee ($millions) | 5.5338% | 3,179 |
| Cash dividends to net income (ytd only)* | 73.1886% | 586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5917% | 990 |
| Loan loss allowance to noncurrent loans | 254.4879% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 1,437 |
| Noncurrent loans to loans | 0.6255% | 1,183 |
| Net loans and leases to total assets | 56.0900% | 3,019 |
| Net loans and leases to deposits | 64.8851% | 2,965 |
| Net loans and leases to core deposits | 68.2855% | 2,994 |
| Total domestic deposits to total assets | 86.4500% | 2,587 |
| Equity capital to assets | 11.7991% | 992 |
| Core capital (leverage) ratio | 15.5356% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $262,295,000 | 2,652 |
| Average earning assets | $244,197,400 | 2,650 |
| Average equity | $34,369,200 | 2,138 |
| Average total loans | $150,725,800 | 2,629 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9435% | 1,376 |
| Cost of funding earning assets | 0.3660% | 1,557 |
| Net interest margin | 3.5775% | 1,447 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.5522% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5457% | 752 |
| Return on assets (ROA) | 1.5492% | 729 |
| Pretax return on assets | 1.6038% | 1,113 |
| Return on Equity (ROE) | 11.5300% | 2,195 |
| Retained earnings to average equity (ytd only) | 1.8523% | 4,061 |
| Net charge-offs to loans | -0.0009% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4516% | 2,906 |
| Assets per employee ($millions) | 5.7572% | 2,981 |
| Cash dividends to net income (ytd only)* | 83.9368% | 360 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5360% | 1,204 |
| Loan loss allowance to noncurrent loans | 145.0060% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 841 |
| Noncurrent loans to loans | 1.0593% | 717 |
| Net loans and leases to total assets | 58.3300% | 2,660 |
| Net loans and leases to deposits | 69.8308% | 2,376 |
| Net loans and leases to core deposits | 73.4119% | 2,393 |
| Total domestic deposits to total assets | 83.5400% | 3,600 |
| Equity capital to assets | 11.1882% | 1,106 |
| Core capital (leverage) ratio | 15.2544% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $261,463,000 | 2,676 |
| Average earning assets | $243,700,750 | 2,668 |
| Average equity | $35,126,250 | 2,136 |
| Average total loans | $150,555,500 | 2,638 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7573% | 1,405 |
| Cost of funding earning assets | 0.2651% | 2,088 |
| Net interest margin | 3.4922% | 1,335 |
| Noninterest income to average assets | 0.9841% | 696 |
| Noninterest expense to average assets | 2.4337% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7500% | 380 |
| Return on assets (ROA) | 1.7500% | 373 |
| Pretax return on assets | 1.8092% | 584 |
| Return on Equity (ROE) | 12.3274% | 1,570 |
| Retained earnings to average equity (ytd only) | 0.9632% | 4,002 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3420% | 3,637 |
| Assets per employee ($millions) | 5.8035% | 2,915 |
| Cash dividends to net income (ytd only)* | 92.1861% | 448 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5660% | 1,227 |
| Loan loss allowance to noncurrent loans | 204.4992% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 1,253 |
| Noncurrent loans to loans | 0.7658% | 1,123 |
| Net loans and leases to total assets | 57.9810% | 2,540 |
| Net loans and leases to deposits | 69.8151% | 2,224 |
| Net loans and leases to core deposits | 71.8788% | 2,349 |
| Total domestic deposits to total assets | 83.0493% | 3,867 |
| Equity capital to assets | 12.4009% | 781 |
| Core capital (leverage) ratio | 15.3599% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $260,339,667 | 2,704 |
| Average earning assets | $242,940,333 | 2,706 |
| Average equity | $36,958,333 | 2,113 |
| Average total loans | $148,441,333 | 2,664 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6727% | 1,331 |
| Cost of funding earning assets | 0.2271% | 2,441 |
| Net interest margin | 3.4457% | 1,194 |
| Noninterest income to average assets | 1.4173% | 378 |
| Noninterest expense to average assets | 2.7346% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8589% | 294 |
| Return on assets (ROA) | 1.8574% | 295 |
| Pretax return on assets | 1.9036% | 443 |
| Return on Equity (ROE) | 12.3024% | 1,225 |
| Retained earnings to average equity (ytd only) | -4.5153% | 4,403 |
| Net charge-offs to loans | 0.0494% | 797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 68.7778% | 803 |
| Efficiency ratio | 58.9386% | 3,592 |
| Assets per employee ($millions) | 5.7380% | 3,075 |
| Cash dividends to net income (ytd only)* | 136.7026% | 348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6421% | 1,173 |
| Loan loss allowance to noncurrent loans | 190.9744% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 1,284 |
| Noncurrent loans to loans | 0.8599% | 1,087 |
| Net loans and leases to total assets | 54.2577% | 2,723 |
| Net loans and leases to deposits | 63.5178% | 2,570 |
| Net loans and leases to core deposits | 65.1614% | 2,702 |
| Total domestic deposits to total assets | 85.4213% | 3,429 |
| Equity capital to assets | 13.9013% | 543 |
| Core capital (leverage) ratio | 14.9640% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $259,930,500 | 2,719 |
| Average earning assets | $243,089,000 | 2,717 |
| Average equity | $39,244,500 | 2,084 |
| Average total loans | $145,746,500 | 2,682 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3221% | 821 |
| Cost of funding earning assets | 0.2757% | 2,643 |
| Net interest margin | 4.0464% | 646 |
| Noninterest income to average assets | 0.5882% | 2,213 |
| Noninterest expense to average assets | 2.4897% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8233% | 484 |
| Return on assets (ROA) | 1.8845% | 448 |
| Pretax return on assets | 1.9640% | 647 |
| Return on Equity (ROE) | 11.5301% | 1,974 |
| Retained earnings to average equity (ytd only) | 7.0869% | 1,889 |
| Net charge-offs to loans | 0.0087% | 2,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 362.3077% | 351 |
| Efficiency ratio | 56.2724% | 3,672 |
| Assets per employee ($millions) | 5.4450% | 3,313 |
| Cash dividends to net income (ytd only)* | 38.5356% | 2,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6512% | 1,153 |
| Loan loss allowance to noncurrent loans | 175.4552% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 1,242 |
| Noncurrent loans to loans | 0.9411% | 1,079 |
| Net loans and leases to total assets | 56.0663% | 2,601 |
| Net loans and leases to deposits | 67.5101% | 2,354 |
| Net loans and leases to core deposits | 69.5694% | 2,496 |
| Total domestic deposits to total assets | 83.0487% | 3,796 |
| Equity capital to assets | 16.3324% | 346 |
| Core capital (leverage) ratio | 16.0643% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $247,866,000 | 2,742 |
| Average earning assets | $232,872,600 | 2,726 |
| Average equity | $40,511,200 | 2,069 |
| Average total loans | $149,618,400 | 2,637 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5028% | 673 |
| Cost of funding earning assets | 0.2917% | 2,672 |
| Net interest margin | 4.2111% | 534 |
| Noninterest income to average assets | 0.6199% | 2,134 |
| Noninterest expense to average assets | 2.5250% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9719% | 483 |
| Return on assets (ROA) | 2.0521% | 449 |
| Pretax return on assets | 2.1405% | 623 |
| Return on Equity (ROE) | 12.5535% | 1,848 |
| Retained earnings to average equity (ytd only) | 8.0748% | 2,032 |
| Net charge-offs to loans | 0.0115% | 1,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 291.7692% | 448 |
| Efficiency ratio | 54.6810% | 3,707 |
| Assets per employee ($millions) | 5.1818% | 3,523 |
| Cash dividends to net income (ytd only)* | 35.6765% | 1,808 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6505% | 1,224 |
| Loan loss allowance to noncurrent loans | 165.5670% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 1,277 |
| Noncurrent loans to loans | 0.9969% | 1,153 |
| Net loans and leases to total assets | 58.9415% | 2,376 |
| Net loans and leases to deposits | 71.7288% | 2,077 |
| Net loans and leases to core deposits | 74.1555% | 2,221 |
| Total domestic deposits to total assets | 82.1728% | 3,898 |
| Equity capital to assets | 17.0623% | 333 |
| Core capital (leverage) ratio | 15.8129% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $245,853,750 | 2,779 |
| Average earning assets | $231,318,750 | 2,758 |
| Average equity | $40,189,750 | 2,103 |
| Average total loans | $150,550,250 | 2,667 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2503% | 1,090 |
| Cost of funding earning assets | 0.2994% | 2,781 |
| Net interest margin | 3.9509% | 891 |
| Noninterest income to average assets | 0.6342% | 2,071 |
| Noninterest expense to average assets | 2.3980% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8694% | 624 |
| Return on assets (ROA) | 1.8741% | 644 |
| Pretax return on assets | 1.9544% | 909 |
| Return on Equity (ROE) | 11.6321% | 2,191 |
| Retained earnings to average equity (ytd only) | 7.1021% | 2,395 |
| Net charge-offs to loans | 0.0158% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 200.3333% | 495 |
| Efficiency ratio | 54.7099% | 3,713 |
| Assets per employee ($millions) | 5.6266% | 2,985 |
| Cash dividends to net income (ytd only)* | 38.9442% | 1,660 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5567% | 1,403 |
| Loan loss allowance to noncurrent loans | 123.1477% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 1,027 |
| Noncurrent loans to loans | 1.2641% | 938 |
| Net loans and leases to total assets | 60.1910% | 2,404 |
| Net loans and leases to deposits | 74.9642% | 1,914 |
| Net loans and leases to core deposits | 77.2498% | 2,113 |
| Total domestic deposits to total assets | 80.2930% | 4,193 |
| Equity capital to assets | 16.0506% | 407 |
| Core capital (leverage) ratio | 15.2568% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $246,624,000 | 2,758 |
| Average earning assets | $231,795,667 | 2,749 |
| Average equity | $39,735,000 | 2,110 |
| Average total loans | $152,081,333 | 2,663 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0783% | 1,442 |
| Cost of funding earning assets | 0.3134% | 2,858 |
| Net interest margin | 3.7649% | 1,212 |
| Noninterest income to average assets | 0.7151% | 1,825 |
| Noninterest expense to average assets | 2.5216% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5666% | 1,183 |
| Return on assets (ROA) | 1.5666% | 1,243 |
| Pretax return on assets | 1.7276% | 1,432 |
| Return on Equity (ROE) | 9.7041% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.1219% | 3,186 |
| Net charge-offs to loans | 0.0318% | 1,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 87.5833% | 666 |
| Efficiency ratio | 58.8781% | 3,174 |
| Assets per employee ($millions) | 5.6139% | 3,009 |
| Cash dividends to net income (ytd only)* | 47.2193% | 1,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5821% | 1,340 |
| Loan loss allowance to noncurrent loans | 79.3546% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 583 |
| Noncurrent loans to loans | 1.9938% | 545 |
| Net loans and leases to total assets | 60.6914% | 2,446 |
| Net loans and leases to deposits | 72.6463% | 2,252 |
| Net loans and leases to core deposits | 74.8699% | 2,440 |
| Total domestic deposits to total assets | 83.5437% | 3,560 |
| Equity capital to assets | 15.7377% | 414 |
| Core capital (leverage) ratio | 15.2920% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $243,336,500 | 2,772 |
| Average earning assets | $228,426,000 | 2,760 |
| Average equity | $39,282,500 | 2,114 |
| Average total loans | $150,715,500 | 2,680 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5408% | 1,215 |
| Cost of funding earning assets | 0.5090% | 2,893 |
| Net interest margin | 4.0319% | 915 |
| Noninterest income to average assets | 0.6708% | 1,950 |
| Noninterest expense to average assets | 2.4738% | 2,931 |
| Loan and lease loss provision to assets | 0.0411% | 3,886 |
| Net operating income to assets | 1.8518% | 352 |
| Return on assets (ROA) | 2.1108% | 229 |
| Pretax return on assets | 2.1878% | 304 |
| Return on Equity (ROE) | 12.5783% | 1,156 |
| Retained earnings to average equity (ytd only) | 4.7608% | 2,389 |
| Net charge-offs to loans | -0.0026% | 4,018 |
| Credit loss provision to net charge-offs | -2,350.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4109% | 4,052 |
| Assets per employee ($millions) | 5.8454% | 2,502 |
| Cash dividends to net income (ytd only)* | 62.1504% | 1,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6243% | 1,231 |
| Loan loss allowance to noncurrent loans | 82.9736% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 685 |
| Noncurrent loans to loans | 1.9577% | 598 |
| Net loans and leases to total assets | 61.2048% | 2,704 |
| Net loans and leases to deposits | 73.9338% | 2,491 |
| Net loans and leases to core deposits | 76.2990% | 2,706 |
| Total domestic deposits to total assets | 82.7832% | 3,470 |
| Equity capital to assets | 16.5613% | 376 |
| Core capital (leverage) ratio | 15.6399% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $228,679,000 | 2,729 |
| Average earning assets | $213,375,000 | 2,720 |
| Average equity | $38,375,600 | 2,081 |
| Average total loans | $153,709,600 | 2,628 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6131% | 1,269 |
| Cost of funding earning assets | 0.5633% | 2,847 |
| Net interest margin | 4.0498% | 1,008 |
| Noninterest income to average assets | 0.6798% | 1,856 |
| Noninterest expense to average assets | 2.4331% | 3,044 |
| Loan and lease loss provision to assets | 0.0553% | 3,658 |
| Net operating income to assets | 1.8835% | 382 |
| Return on assets (ROA) | 2.1192% | 247 |
| Pretax return on assets | 2.2171% | 332 |
| Return on Equity (ROE) | 12.5842% | 1,225 |
| Retained earnings to average equity (ytd only) | 7.8533% | 1,359 |
| Net charge-offs to loans | -0.0026% | 3,919 |
| Credit loss provision to net charge-offs | -3,133.3333% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1810% | 4,127 |
| Assets per employee ($millions) | 5.8930% | 2,356 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5396% | 1,269 |
| Loan loss allowance to noncurrent loans | 75.6326% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 636 |
| Noncurrent loans to loans | 2.0356% | 594 |
| Net loans and leases to total assets | 67.3688% | 2,340 |
| Net loans and leases to deposits | 82.2454% | 2,070 |
| Net loans and leases to core deposits | 85.0159% | 2,380 |
| Total domestic deposits to total assets | 81.9120% | 3,445 |
| Equity capital to assets | 17.2752% | 348 |
| Core capital (leverage) ratio | 15.9324% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $225,933,500 | 2,724 |
| Average earning assets | $210,902,500 | 2,720 |
| Average equity | $38,046,750 | 2,088 |
| Average total loans | $154,860,500 | 2,624 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8421% | 1,070 |
| Cost of funding earning assets | 0.6330% | 2,797 |
| Net interest margin | 4.2091% | 901 |
| Noninterest income to average assets | 0.6624% | 1,892 |
| Noninterest expense to average assets | 2.4039% | 3,255 |
| Loan and lease loss provision to assets | 0.0837% | 3,234 |
| Net operating income to assets | 2.0021% | 335 |
| Return on assets (ROA) | 2.0175% | 356 |
| Pretax return on assets | 2.1101% | 430 |
| Return on Equity (ROE) | 12.0871% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.2864% | 1,545 |
| Net charge-offs to loans | -0.0039% | 3,940 |
| Credit loss provision to net charge-offs | -3,133.3333% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1570% | 4,344 |
| Assets per employee ($millions) | 6.1656% | 2,052 |
| Cash dividends to net income (ytd only)* | 39.7176% | 1,949 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4809% | 1,329 |
| Loan loss allowance to noncurrent loans | 890.0735% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 3,872 |
| Noncurrent loans to loans | 0.1664% | 3,789 |
| Net loans and leases to total assets | 66.9827% | 2,501 |
| Net loans and leases to deposits | 80.5628% | 2,363 |
| Net loans and leases to core deposits | 84.9356% | 2,528 |
| Total domestic deposits to total assets | 83.1435% | 3,047 |
| Equity capital to assets | 16.1217% | 459 |
| Core capital (leverage) ratio | 15.4564% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $224,636,000 | 2,722 |
| Average earning assets | $209,164,667 | 2,720 |
| Average equity | $37,494,667 | 2,102 |
| Average total loans | $154,063,333 | 2,620 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3526% | 492 |
| Cost of funding earning assets | 0.7795% | 2,500 |
| Net interest margin | 4.5731% | 433 |
| Noninterest income to average assets | 0.5906% | 2,077 |
| Noninterest expense to average assets | 2.3975% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3274% | 145 |
| Return on assets (ROA) | 2.3274% | 160 |
| Pretax return on assets | 2.4270% | 188 |
| Return on Equity (ROE) | 13.6846% | 765 |
| Retained earnings to average equity (ytd only) | 8.8011% | 1,025 |
| Net charge-offs to loans | -0.0027% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5409% | 4,694 |
| Assets per employee ($millions) | 5.2378% | 2,382 |
| Cash dividends to net income (ytd only)* | 35.6860% | 1,998 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5768% | 1,127 |
| Loan loss allowance to noncurrent loans | 293.5606% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 2,889 |
| Noncurrent loans to loans | 0.5371% | 2,654 |
| Net loans and leases to total assets | 67.5783% | 2,604 |
| Net loans and leases to deposits | 82.4380% | 2,396 |
| Net loans and leases to core deposits | 86.8288% | 2,610 |
| Total domestic deposits to total assets | 81.9747% | 3,428 |
| Equity capital to assets | 17.2300% | 417 |
| Core capital (leverage) ratio | 16.5727% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $216,724,500 | 2,732 |
| Average earning assets | $200,651,000 | 2,734 |
| Average equity | $36,859,000 | 2,118 |
| Average total loans | $149,351,500 | 2,647 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4794% | 580 |
| Cost of funding earning assets | 0.8998% | 2,190 |
| Net interest margin | 4.5796% | 598 |
| Noninterest income to average assets | 0.5991% | 2,223 |
| Noninterest expense to average assets | 2.6190% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1196% | 261 |
| Return on assets (ROA) | 2.2933% | 199 |
| Pretax return on assets | 2.3877% | 256 |
| Return on Equity (ROE) | 13.1277% | 1,132 |
| Retained earnings to average equity (ytd only) | 4.8173% | 2,526 |
| Net charge-offs to loans | -0.1634% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8307% | 4,436 |
| Assets per employee ($millions) | 5.4675% | 2,094 |
| Cash dividends to net income (ytd only)* | 63.3045% | 1,424 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5365% | 1,121 |
| Loan loss allowance to noncurrent loans | 103.3808% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.0777% | 1,146 |
| Noncurrent loans to loans | 1.4862% | 977 |
| Net loans and leases to total assets | 68.0980% | 2,669 |
| Net loans and leases to deposits | 82.5354% | 2,493 |
| Net loans and leases to core deposits | 86.8950% | 2,719 |
| Total domestic deposits to total assets | 82.5076% | 3,356 |
| Equity capital to assets | 16.7887% | 494 |
| Core capital (leverage) ratio | 16.8689% | 429 |
| Tier 1 risk-based capital ratio | 21.7799% | 1,051 |
| Total risk-based capital ratio | 23.0317% | 1,026 |
| Memoranda: |
| Average total assets | $206,643,200 | 2,788 |
| Average earning assets | $190,714,000 | 2,793 |
| Average equity | $36,099,200 | 2,091 |
| Average total loans | $149,953,800 | 2,621 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5103% | 574 |
| Cost of funding earning assets | 0.9286% | 2,087 |
| Net interest margin | 4.5818% | 637 |
| Noninterest income to average assets | 0.6188% | 2,111 |
| Noninterest expense to average assets | 2.6335% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1195% | 309 |
| Return on assets (ROA) | 2.3546% | 217 |
| Pretax return on assets | 2.4593% | 270 |
| Return on Equity (ROE) | 13.3387% | 1,164 |
| Retained earnings to average equity (ytd only) | 8.3311% | 1,276 |
| Net charge-offs to loans | 0.0018% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,688.8464% | 42 |
| Efficiency ratio | 53.7817% | 4,416 |
| Assets per employee ($millions) | 5.2088% | 2,332 |
| Cash dividends to net income (ytd only)* | 37.5418% | 2,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3709% | 1,682 |
| Loan loss allowance to noncurrent loans | 79.2446% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 888 |
| Noncurrent loans to loans | 1.7300% | 846 |
| Net loans and leases to total assets | 73.5562% | 1,908 |
| Net loans and leases to deposits | 91.1907% | 1,544 |
| Net loans and leases to core deposits | 97.2464% | 1,880 |
| Total domestic deposits to total assets | 80.6620% | 3,834 |
| Equity capital to assets | 18.4244% | 357 |
| Core capital (leverage) ratio | 17.5246% | 390 |
| Tier 1 risk-based capital ratio | 22.5712% | 999 |
| Total risk-based capital ratio | 23.8215% | 968 |
| Memoranda: |
| Average total assets | $203,628,750 | 2,833 |
| Average earning assets | $187,956,750 | 2,838 |
| Average equity | $35,944,750 | 2,106 |
| Average total loans | $149,628,500 | 2,650 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4399% | 628 |
| Cost of funding earning assets | 0.9315% | 2,005 |
| Net interest margin | 4.5084% | 758 |
| Noninterest income to average assets | 0.6301% | 2,021 |
| Noninterest expense to average assets | 2.5683% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1310% | 306 |
| Return on assets (ROA) | 2.1630% | 304 |
| Pretax return on assets | 2.2562% | 388 |
| Return on Equity (ROE) | 12.4343% | 1,438 |
| Retained earnings to average equity (ytd only) | 7.3568% | 1,670 |
| Net charge-offs to loans | 0.0134% | 2,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 226.5000% | 355 |
| Efficiency ratio | 53.0315% | 4,561 |
| Assets per employee ($millions) | 5.4977% | 1,972 |
| Cash dividends to net income (ytd only)* | 40.8348% | 2,175 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3485% | 1,816 |
| Loan loss allowance to noncurrent loans | 89.2965% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 1,114 |
| Noncurrent loans to loans | 1.5101% | 1,022 |
| Net loans and leases to total assets | 74.4111% | 1,817 |
| Net loans and leases to deposits | 91.6597% | 1,528 |
| Net loans and leases to core deposits | 96.6886% | 2,004 |
| Total domestic deposits to total assets | 81.1819% | 3,754 |
| Equity capital to assets | 17.9647% | 385 |
| Core capital (leverage) ratio | 17.1050% | 415 |
| Tier 1 risk-based capital ratio | 21.9260% | 1,062 |
| Total risk-based capital ratio | 23.1767% | 1,037 |
| Memoranda: |
| Average total assets | $203,790,330 | 2,843 |
| Average earning assets | $188,092,330 | 2,842 |
| Average equity | $35,450,330 | 2,120 |
| Average total loans | $149,004,000 | 2,667 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3326% | 714 |
| Cost of funding earning assets | 0.9320% | 1,875 |
| Net interest margin | 4.4005% | 901 |
| Noninterest income to average assets | 0.6883% | 1,651 |
| Noninterest expense to average assets | 2.5003% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1478% | 295 |
| Return on assets (ROA) | 2.1591% | 303 |
| Pretax return on assets | 2.2552% | 393 |
| Return on Equity (ROE) | 12.6175% | 1,353 |
| Retained earnings to average equity (ytd only) | 7.4605% | 1,861 |
| Net charge-offs to loans | -0.0027% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0463% | 4,696 |
| Assets per employee ($millions) | 5.8591% | 1,657 |
| Cash dividends to net income (ytd only)* | 40.8719% | 1,894 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4271% | 1,583 |
| Loan loss allowance to noncurrent loans | 91.8728% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 1,171 |
| Noncurrent loans to loans | 1.5534% | 1,033 |
| Net loans and leases to total assets | 70.0577% | 2,467 |
| Net loans and leases to deposits | 85.5766% | 2,180 |
| Net loans and leases to core deposits | 90.3531% | 2,458 |
| Total domestic deposits to total assets | 81.8655% | 3,759 |
| Equity capital to assets | 17.3182% | 415 |
| Core capital (leverage) ratio | 16.6881% | 457 |
| Tier 1 risk-based capital ratio | 22.0892% | 1,044 |
| Total risk-based capital ratio | 23.3400% | 1,018 |
| Memoranda: |
| Average total assets | $203,977,500 | 2,863 |
| Average earning assets | $187,977,000 | 2,871 |
| Average equity | $34,904,000 | 2,145 |
| Average total loans | $146,789,500 | 2,724 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1862% | 719 |
| Cost of funding earning assets | 0.7911% | 1,566 |
| Net interest margin | 4.3951% | 948 |
| Noninterest income to average assets | 0.5562% | 2,512 |
| Noninterest expense to average assets | 2.6246% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9117% | 431 |
| Return on assets (ROA) | 1.9676% | 385 |
| Pretax return on assets | 2.0516% | 495 |
| Return on Equity (ROE) | 11.6776% | 1,833 |
| Retained earnings to average equity (ytd only) | 3.1752% | 3,810 |
| Net charge-offs to loans | 0.0034% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 807.0000% | 132 |
| Efficiency ratio | 56.2687% | 4,376 |
| Assets per employee ($millions) | 5.4834% | 1,969 |
| Cash dividends to net income (ytd only)* | 72.8094% | 956 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4063% | 1,613 |
| Loan loss allowance to noncurrent loans | 142.7885% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 1,804 |
| Noncurrent loans to loans | 0.9849% | 1,651 |
| Net loans and leases to total assets | 71.8400% | 2,291 |
| Net loans and leases to deposits | 87.2481% | 2,139 |
| Net loans and leases to core deposits | 91.9033% | 2,414 |
| Total domestic deposits to total assets | 82.3399% | 3,540 |
| Equity capital to assets | 16.9030% | 424 |
| Core capital (leverage) ratio | 16.8161% | 426 |
| Tier 1 risk-based capital ratio | 21.5922% | 1,082 |
| Total risk-based capital ratio | 22.8434% | 1,059 |
| Memoranda: |
| Average total assets | $202,428,000 | 2,840 |
| Average earning assets | $187,073,200 | 2,858 |
| Average equity | $34,108,000 | 2,105 |
| Average total loans | $148,013,000 | 2,668 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1351% | 711 |
| Cost of funding earning assets | 0.7729% | 1,462 |
| Net interest margin | 4.3622% | 986 |
| Noninterest income to average assets | 0.5714% | 2,468 |
| Noninterest expense to average assets | 2.6414% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8835% | 506 |
| Return on assets (ROA) | 1.9619% | 416 |
| Pretax return on assets | 2.0476% | 554 |
| Return on Equity (ROE) | 11.6531% | 1,931 |
| Retained earnings to average equity (ytd only) | 6.3687% | 2,446 |
| Net charge-offs to loans | -0.0009% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3582% | 4,337 |
| Assets per employee ($millions) | 5.3272% | 2,096 |
| Cash dividends to net income (ytd only)* | 45.3478% | 1,794 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3793% | 1,788 |
| Loan loss allowance to noncurrent loans | 75.6257% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.4713% | 880 |
| Noncurrent loans to loans | 1.8238% | 841 |
| Net loans and leases to total assets | 75.6342% | 1,712 |
| Net loans and leases to deposits | 93.2263% | 1,473 |
| Net loans and leases to core deposits | 99.4563% | 1,836 |
| Total domestic deposits to total assets | 81.1296% | 3,834 |
| Equity capital to assets | 17.4904% | 378 |
| Core capital (leverage) ratio | 16.8854% | 432 |
| Tier 1 risk-based capital ratio | 21.6951% | 1,089 |
| Total risk-based capital ratio | 22.9462% | 1,074 |
| Memoranda: |
| Average total assets | $202,313,250 | 2,860 |
| Average earning assets | $187,178,500 | 2,878 |
| Average equity | $34,061,500 | 2,113 |
| Average total loans | $148,058,000 | 2,683 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0207% | 786 |
| Cost of funding earning assets | 0.7443% | 1,404 |
| Net interest margin | 4.2765% | 1,085 |
| Noninterest income to average assets | 0.5675% | 2,488 |
| Noninterest expense to average assets | 2.6778% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7720% | 617 |
| Return on assets (ROA) | 1.8858% | 477 |
| Pretax return on assets | 1.9731% | 637 |
| Return on Equity (ROE) | 11.3431% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.0371% | 2,539 |
| Net charge-offs to loans | -0.1252% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1099% | 4,212 |
| Assets per employee ($millions) | 5.4872% | 1,889 |
| Cash dividends to net income (ytd only)* | 46.7775% | 1,822 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4514% | 1,551 |
| Loan loss allowance to noncurrent loans | 67.7671% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.6027% | 797 |
| Noncurrent loans to loans | 2.1418% | 662 |
| Net loans and leases to total assets | 72.7711% | 2,155 |
| Net loans and leases to deposits | 88.3494% | 2,067 |
| Net loans and leases to core deposits | 94.4269% | 2,191 |
| Total domestic deposits to total assets | 82.3674% | 3,607 |
| Equity capital to assets | 16.8125% | 416 |
| Core capital (leverage) ratio | 16.2355% | 467 |
| Tier 1 risk-based capital ratio | 21.1842% | 1,143 |
| Total risk-based capital ratio | 22.4353% | 1,122 |
| Memoranda: |
| Average total assets | $204,048,330 | 2,865 |
| Average earning assets | $189,175,000 | 2,860 |
| Average equity | $33,923,670 | 2,127 |
| Average total loans | $147,022,000 | 2,705 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8746% | 918 |
| Cost of funding earning assets | 0.6994% | 1,450 |
| Net interest margin | 4.1752% | 1,231 |
| Noninterest income to average assets | 0.5729% | 2,404 |
| Noninterest expense to average assets | 2.6398% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7247% | 654 |
| Return on assets (ROA) | 1.7247% | 663 |
| Pretax return on assets | 1.8088% | 897 |
| Return on Equity (ROE) | 10.4322% | 2,211 |
| Retained earnings to average equity (ytd only) | 5.1096% | 3,119 |
| Net charge-offs to loans | -0.2638% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3297% | 4,299 |
| Assets per employee ($millions) | 5.4238% | 2,010 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,491 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5097% | 1,430 |
| Loan loss allowance to noncurrent loans | 120.6419% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 1,770 |
| Noncurrent loans to loans | 1.2514% | 1,446 |
| Net loans and leases to total assets | 69.0048% | 2,627 |
| Net loans and leases to deposits | 83.2749% | 2,473 |
| Net loans and leases to core deposits | 89.4112% | 2,500 |
| Total domestic deposits to total assets | 82.8639% | 3,711 |
| Equity capital to assets | 16.3612% | 459 |
| Core capital (leverage) ratio | 15.8549% | 509 |
| Tier 1 risk-based capital ratio | 21.2154% | 1,175 |
| Total risk-based capital ratio | 22.4673% | 1,142 |
| Memoranda: |
| Average total assets | $204,559,000 | 2,894 |
| Average earning assets | $189,882,500 | 2,881 |
| Average equity | $33,818,500 | 2,148 |
| Average total loans | $145,572,500 | 2,739 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9077% | 782 |
| Cost of funding earning assets | 0.5550% | 1,910 |
| Net interest margin | 4.3527% | 854 |
| Noninterest income to average assets | 0.4765% | 3,150 |
| Noninterest expense to average assets | 2.5354% | 3,659 |
| Loan and lease loss provision to assets | 0.3078% | 553 |
| Net operating income to assets | 1.6040% | 648 |
| Return on assets (ROA) | 1.7832% | 446 |
| Pretax return on assets | 1.8553% | 677 |
| Return on Equity (ROE) | 10.4637% | 1,691 |
| Retained earnings to average equity (ytd only) | 1.3538% | 4,463 |
| Net charge-offs to loans | 0.1228% | 1,822 |
| Credit loss provision to net charge-offs | 349.4318% | 843 |
| Earnings coverage of net charge-offs (x) | 22.4375% | 1,849 |
| Efficiency ratio | 55.4964% | 4,815 |
| Assets per employee ($millions) | 5.3425% | 2,112 |
| Cash dividends to net income (ytd only)* | 87.0615% | 600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4202% | 1,687 |
| Loan loss allowance to noncurrent loans | 232.3300% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 3,021 |
| Noncurrent loans to loans | 0.6113% | 2,706 |
| Net loans and leases to total assets | 71.2558% | 2,342 |
| Net loans and leases to deposits | 86.2725% | 2,226 |
| Net loans and leases to core deposits | 92.7314% | 2,302 |
| Total domestic deposits to total assets | 82.5939% | 3,699 |
| Equity capital to assets | 16.7062% | 428 |
| Core capital (leverage) ratio | 16.3151% | 435 |
| Tier 1 risk-based capital ratio | 21.1817% | 1,113 |
| Total risk-based capital ratio | 22.4327% | 1,093 |
| Memoranda: |
| Average total assets | $199,807,400 | 2,924 |
| Average earning assets | $185,239,600 | 2,910 |
| Average equity | $34,051,200 | 2,128 |
| Average total loans | $143,357,800 | 2,730 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8980% | 765 |
| Cost of funding earning assets | 0.5392% | 1,962 |
| Net interest margin | 4.3588% | 806 |
| Noninterest income to average assets | 0.5313% | 2,832 |
| Noninterest expense to average assets | 2.5580% | 3,543 |
| Loan and lease loss provision to assets | 0.2921% | 540 |
| Net operating income to assets | 1.6338% | 658 |
| Return on assets (ROA) | 1.8713% | 420 |
| Pretax return on assets | 1.9711% | 580 |
| Return on Equity (ROE) | 10.9254% | 1,731 |
| Retained earnings to average equity (ytd only) | 4.4711% | 3,242 |
| Net charge-offs to loans | -0.0524% | 5,177 |
| Credit loss provision to net charge-offs | -778.5714% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9612% | 4,853 |
| Assets per employee ($millions) | 5.4845% | 1,938 |
| Cash dividends to net income (ytd only)* | 59.0763% | 1,381 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4669% | 1,656 |
| Loan loss allowance to noncurrent loans | 234.3202% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 2,840 |
| Noncurrent loans to loans | 0.6260% | 2,831 |
| Net loans and leases to total assets | 72.7022% | 2,149 |
| Net loans and leases to deposits | 91.5950% | 1,614 |
| Net loans and leases to core deposits | 98.2660% | 1,865 |
| Total domestic deposits to total assets | 79.3736% | 4,468 |
| Equity capital to assets | 17.6498% | 366 |
| Core capital (leverage) ratio | 16.8665% | 396 |
| Tier 1 risk-based capital ratio | 21.6779% | 1,086 |
| Total risk-based capital ratio | 22.9293% | 1,066 |
| Memoranda: |
| Average total assets | $199,005,500 | 2,960 |
| Average earning assets | $184,451,750 | 2,943 |
| Average equity | $34,085,000 | 2,144 |
| Average total loans | $142,511,250 | 2,762 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8452% | 782 |
| Cost of funding earning assets | 0.5109% | 2,081 |
| Net interest margin | 4.3343% | 791 |
| Noninterest income to average assets | 0.5343% | 2,801 |
| Noninterest expense to average assets | 2.5300% | 3,661 |
| Loan and lease loss provision to assets | 0.3528% | 402 |
| Net operating income to assets | 1.5864% | 727 |
| Return on assets (ROA) | 1.9416% | 352 |
| Pretax return on assets | 2.0478% | 494 |
| Return on Equity (ROE) | 11.4511% | 1,474 |
| Retained earnings to average equity (ytd only) | 4.3570% | 3,109 |
| Net charge-offs to loans | -0.0481% | 5,157 |
| Credit loss provision to net charge-offs | -1,035.2941% | 4,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5315% | 4,970 |
| Assets per employee ($millions) | 5.4631% | 1,911 |
| Cash dividends to net income (ytd only)* | 61.9515% | 1,412 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4095% | 1,913 |
| Loan loss allowance to noncurrent loans | 191.6038% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 2,925 |
| Noncurrent loans to loans | 0.7356% | 2,558 |
| Net loans and leases to total assets | 72.2332% | 2,164 |
| Net loans and leases to deposits | 88.5110% | 1,927 |
| Net loans and leases to core deposits | 94.9453% | 2,073 |
| Total domestic deposits to total assets | 81.6093% | 4,015 |
| Equity capital to assets | 17.5522% | 359 |
| Core capital (leverage) ratio | 16.4701% | 421 |
| Tier 1 risk-based capital ratio | 21.5647% | 1,107 |
| Total risk-based capital ratio | 22.8159% | 1,085 |
| Memoranda: |
| Average total assets | $199,527,000 | 2,974 |
| Average earning assets | $185,172,000 | 2,953 |
| Average equity | $33,830,670 | 2,150 |
| Average total loans | $141,454,670 | 2,784 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6974% | 943 |
| Cost of funding earning assets | 0.4736% | 2,322 |
| Net interest margin | 4.2238% | 937 |
| Noninterest income to average assets | 0.5155% | 2,869 |
| Noninterest expense to average assets | 2.4961% | 3,823 |
| Loan and lease loss provision to assets | 0.6529% | 155 |
| Net operating income to assets | 1.2062% | 1,493 |
| Return on assets (ROA) | 1.2062% | 1,527 |
| Pretax return on assets | 1.2898% | 2,272 |
| Return on Equity (ROE) | 7.2388% | 3,301 |
| Retained earnings to average equity (ytd only) | -1.7201% | 5,147 |
| Net charge-offs to loans | -0.0171% | 4,658 |
| Credit loss provision to net charge-offs | -5,466.6667% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2018% | 5,020 |
| Assets per employee ($millions) | 5.5435% | 1,845 |
| Cash dividends to net income (ytd only)* | 123.7624% | 518 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4019% | 2,068 |
| Loan loss allowance to noncurrent loans | 177.6481% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 2,948 |
| Noncurrent loans to loans | 0.7892% | 2,481 |
| Net loans and leases to total assets | 69.7425% | 2,430 |
| Net loans and leases to deposits | 84.6190% | 2,208 |
| Net loans and leases to core deposits | 91.3346% | 2,230 |
| Total domestic deposits to total assets | 82.4194% | 4,054 |
| Equity capital to assets | 16.8139% | 397 |
| Core capital (leverage) ratio | 15.7817% | 490 |
| Tier 1 risk-based capital ratio | 21.1552% | 1,199 |
| Total risk-based capital ratio | 22.4057% | 1,178 |
| Memoranda: |
| Average total assets | $200,955,500 | 2,990 |
| Average earning assets | $186,657,500 | 2,978 |
| Average equity | $33,486,000 | 2,175 |
| Average total loans | $140,136,000 | 2,821 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9803% | 613 |
| Cost of funding earning assets | 0.4375% | 2,633 |
| Net interest margin | 4.5428% | 565 |
| Noninterest income to average assets | 0.5702% | 2,817 |
| Noninterest expense to average assets | 2.8911% | 2,704 |
| Loan and lease loss provision to assets | 0.0770% | 2,819 |
| Net operating income to assets | 1.8140% | 436 |
| Return on assets (ROA) | 1.8375% | 428 |
| Pretax return on assets | 1.8405% | 712 |
| Return on Equity (ROE) | 10.6141% | 1,728 |
| Retained earnings to average equity (ytd only) | 0.8926% | 4,965 |
| Net charge-offs to loans | -0.0278% | 5,215 |
| Credit loss provision to net charge-offs | -397.3684% | 5,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6078% | 4,642 |
| Assets per employee ($millions) | 5.3245% | 2,036 |
| Cash dividends to net income (ytd only)* | 91.5903% | 546 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1825% | 3,227 |
| Loan loss allowance to noncurrent loans | 439.8396% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 4,580 |
| Noncurrent loans to loans | 0.2689% | 4,188 |
| Net loans and leases to total assets | 67.9407% | 2,777 |
| Net loans and leases to deposits | 82.0535% | 2,664 |
| Net loans and leases to core deposits | 89.7151% | 2,531 |
| Total domestic deposits to total assets | 82.8005% | 3,827 |
| Equity capital to assets | 16.5101% | 435 |
| Core capital (leverage) ratio | 16.1026% | 448 |
| Tier 1 risk-based capital ratio | 21.3397% | 1,156 |
| Total risk-based capital ratio | 22.4506% | 1,162 |
| Memoranda: |
| Average total assets | $196,084,400 | 2,998 |
| Average earning assets | $181,935,400 | 2,996 |
| Average equity | $33,945,400 | 2,135 |
| Average total loans | $136,762,400 | 2,819 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0374% | 553 |
| Cost of funding earning assets | 0.4336% | 2,698 |
| Net interest margin | 4.6037% | 508 |
| Noninterest income to average assets | 0.5806% | 2,762 |
| Noninterest expense to average assets | 2.4058% | 4,267 |
| Loan and lease loss provision to assets | 0.1008% | 2,227 |
| Net operating income to assets | 2.2419% | 231 |
| Return on assets (ROA) | 2.2722% | 230 |
| Pretax return on assets | 2.3770% | 264 |
| Return on Equity (ROE) | 12.9690% | 1,068 |
| Retained earnings to average equity (ytd only) | 0.0587% | 5,328 |
| Net charge-offs to loans | -0.0352% | 5,224 |
| Credit loss provision to net charge-offs | -408.3333% | 5,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6227% | 5,572 |
| Assets per employee ($millions) | 5.3078% | 2,039 |
| Cash dividends to net income (ytd only)* | 99.5475% | 404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1820% | 3,360 |
| Loan loss allowance to noncurrent loans | 387.4704% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 4,570 |
| Noncurrent loans to loans | 0.3050% | 4,158 |
| Net loans and leases to total assets | 69.7745% | 2,525 |
| Net loans and leases to deposits | 88.0977% | 2,002 |
| Net loans and leases to core deposits | 98.1506% | 1,797 |
| Total domestic deposits to total assets | 79.2013% | 4,672 |
| Equity capital to assets | 17.6290% | 379 |
| Core capital (leverage) ratio | 16.0248% | 468 |
| Tier 1 risk-based capital ratio | 21.4085% | 1,206 |
| Total risk-based capital ratio | 22.5294% | 1,201 |
| Memoranda: |
| Average total assets | $194,522,750 | 3,024 |
| Average earning assets | $180,486,250 | 3,020 |
| Average equity | $34,080,500 | 2,143 |
| Average total loans | $136,175,500 | 2,834 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0371% | 548 |
| Cost of funding earning assets | 0.4232% | 2,802 |
| Net interest margin | 4.6139% | 492 |
| Noninterest income to average assets | 0.5621% | 2,838 |
| Noninterest expense to average assets | 2.3548% | 4,465 |
| Loan and lease loss provision to assets | 0.1073% | 2,070 |
| Net operating income to assets | 2.2806% | 202 |
| Return on assets (ROA) | 2.3074% | 206 |
| Pretax return on assets | 2.4126% | 248 |
| Return on Equity (ROE) | 13.1975% | 980 |
| Retained earnings to average equity (ytd only) | -3.6165% | 5,680 |
| Net charge-offs to loans | -0.0355% | 5,208 |
| Credit loss provision to net charge-offs | -433.3333% | 4,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6272% | 5,688 |
| Assets per employee ($millions) | 5.2896% | 1,993 |
| Cash dividends to net income (ytd only)* | 127.4028% | 298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1511% | 3,637 |
| Loan loss allowance to noncurrent loans | 926.3158% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 5,069 |
| Noncurrent loans to loans | 0.1243% | 4,945 |
| Net loans and leases to total assets | 69.5003% | 2,553 |
| Net loans and leases to deposits | 88.2757% | 1,955 |
| Net loans and leases to core deposits | 98.1648% | 1,793 |
| Total domestic deposits to total assets | 78.7310% | 4,841 |
| Equity capital to assets | 17.5825% | 373 |
| Core capital (leverage) ratio | 15.9558% | 466 |
| Tier 1 risk-based capital ratio | 20.9208% | 1,277 |
| Total risk-based capital ratio | 22.0016% | 1,282 |
| Memoranda: |
| Average total assets | $193,901,330 | 3,052 |
| Average earning assets | $180,065,670 | 3,043 |
| Average equity | $33,900,330 | 2,157 |
| Average total loans | $135,345,000 | 2,852 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1181% | 478 |
| Cost of funding earning assets | 0.4128% | 2,924 |
| Net interest margin | 4.7054% | 418 |
| Noninterest income to average assets | 0.5492% | 2,809 |
| Noninterest expense to average assets | 2.3669% | 4,467 |
| Loan and lease loss provision to assets | 0.1762% | 1,157 |
| Net operating income to assets | 2.2778% | 208 |
| Return on assets (ROA) | 2.2778% | 219 |
| Pretax return on assets | 2.3773% | 290 |
| Return on Equity (ROE) | 13.0660% | 1,027 |
| Retained earnings to average equity (ytd only) | -10.1176% | 5,806 |
| Net charge-offs to loans | -0.0358% | 5,146 |
| Credit loss provision to net charge-offs | -708.3333% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1356% | 5,767 |
| Assets per employee ($millions) | 5.3764% | 1,947 |
| Cash dividends to net income (ytd only)* | 177.4340% | 305 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1657% | 3,683 |
| Loan loss allowance to noncurrent loans | 1,522.5490% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 5,274 |
| Noncurrent loans to loans | 0.0766% | 5,168 |
| Net loans and leases to total assets | 68.0325% | 2,643 |
| Net loans and leases to deposits | 82.9848% | 2,433 |
| Net loans and leases to core deposits | 91.4964% | 2,232 |
| Total domestic deposits to total assets | 81.9819% | 4,235 |
| Equity capital to assets | 17.2219% | 401 |
| Core capital (leverage) ratio | 15.8263% | 496 |
| Tier 1 risk-based capital ratio | 21.2302% | 1,277 |
| Total risk-based capital ratio | 22.3144% | 1,283 |
| Memoranda: |
| Average total assets | $192,993,500 | 3,067 |
| Average earning assets | $179,284,500 | 3,058 |
| Average equity | $33,644,500 | 2,173 |
| Average total loans | $134,213,500 | 2,871 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0168% | 608 |
| Cost of funding earning assets | 0.3575% | 3,620 |
| Net interest margin | 4.6593% | 487 |
| Noninterest income to average assets | 0.5755% | 2,855 |
| Noninterest expense to average assets | 2.4285% | 4,444 |
| Loan and lease loss provision to assets | 0.0168% | 4,073 |
| Net operating income to assets | 2.3544% | 187 |
| Return on assets (ROA) | 2.3902% | 183 |
| Pretax return on assets | 2.4926% | 209 |
| Return on Equity (ROE) | 14.0967% | 830 |
| Retained earnings to average equity (ytd only) | 8.9219% | 669 |
| Net charge-offs to loans | -0.0326% | 5,424 |
| Credit loss provision to net charge-offs | -74.4186% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5803% | 5,819 |
| Assets per employee ($millions) | 4.8109% | 2,587 |
| Cash dividends to net income (ytd only)* | 36.7091% | 3,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0769% | 4,166 |
| Loan loss allowance to noncurrent loans | 655.8559% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 5,034 |
| Noncurrent loans to loans | 0.1642% | 4,833 |
| Net loans and leases to total assets | 69.4986% | 2,451 |
| Net loans and leases to deposits | 85.1496% | 2,228 |
| Net loans and leases to core deposits | 92.3638% | 2,184 |
| Total domestic deposits to total assets | 81.6194% | 4,297 |
| Equity capital to assets | 17.6453% | 342 |
| Core capital (leverage) ratio | 16.4863% | 417 |
| Tier 1 risk-based capital ratio | 21.7843% | 1,182 |
| Total risk-based capital ratio | 22.7973% | 1,191 |
| Memoranda: |
| Average total assets | $190,446,600 | 3,045 |
| Average earning assets | $176,787,000 | 3,033 |
| Average equity | $32,291,200 | 2,183 |
| Average total loans | $131,811,600 | 2,861 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9824% | 646 |
| Cost of funding earning assets | 0.3460% | 3,797 |
| Net interest margin | 4.6364% | 508 |
| Noninterest income to average assets | 0.5819% | 2,839 |
| Noninterest expense to average assets | 2.4006% | 4,512 |
| Loan and lease loss provision to assets | 0.0225% | 3,825 |
| Net operating income to assets | 2.3646% | 198 |
| Return on assets (ROA) | 2.4118% | 187 |
| Pretax return on assets | 2.5157% | 235 |
| Return on Equity (ROE) | 14.3725% | 828 |
| Retained earnings to average equity (ytd only) | 7.3828% | 1,505 |
| Net charge-offs to loans | -0.0153% | 5,111 |
| Credit loss provision to net charge-offs | -213.3333% | 5,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1194% | 5,864 |
| Assets per employee ($millions) | 4.7345% | 2,646 |
| Cash dividends to net income (ytd only)* | 48.6320% | 1,939 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0580% | 4,432 |
| Loan loss allowance to noncurrent loans | 991.6667% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 5,454 |
| Noncurrent loans to loans | 0.1067% | 5,208 |
| Net loans and leases to total assets | 70.5194% | 2,311 |
| Net loans and leases to deposits | 90.0928% | 1,636 |
| Net loans and leases to core deposits | 98.9486% | 1,610 |
| Total domestic deposits to total assets | 78.2743% | 5,136 |
| Equity capital to assets | 17.3002% | 406 |
| Core capital (leverage) ratio | 16.0060% | 489 |
| Tier 1 risk-based capital ratio | 21.2291% | 1,306 |
| Total risk-based capital ratio | 22.2332% | 1,318 |
| Memoranda: |
| Average total assets | $189,949,000 | 3,076 |
| Average earning assets | $176,482,250 | 3,061 |
| Average equity | $31,875,000 | 2,218 |
| Average total loans | $130,965,250 | 2,887 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9191% | 698 |
| Cost of funding earning assets | 0.3343% | 3,993 |
| Net interest margin | 4.5848% | 543 |
| Noninterest income to average assets | 0.5701% | 2,903 |
| Noninterest expense to average assets | 2.4109% | 4,513 |
| Loan and lease loss provision to assets | 0.0337% | 3,440 |
| Net operating income to assets | 2.2825% | 225 |
| Return on assets (ROA) | 2.3330% | 223 |
| Pretax return on assets | 2.4340% | 272 |
| Return on Equity (ROE) | 14.0473% | 893 |
| Retained earnings to average equity (ytd only) | 6.3143% | 2,058 |
| Net charge-offs to loans | -0.0185% | 5,148 |
| Credit loss provision to net charge-offs | -266.6667% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9756% | 5,904 |
| Assets per employee ($millions) | 4.7875% | 2,561 |
| Cash dividends to net income (ytd only)* | 55.0496% | 1,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0821% | 4,428 |
| Loan loss allowance to noncurrent loans | 730.7692% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 5,464 |
| Noncurrent loans to loans | 0.1481% | 5,158 |
| Net loans and leases to total assets | 68.0242% | 2,641 |
| Net loans and leases to deposits | 85.4724% | 2,113 |
| Net loans and leases to core deposits | 91.9074% | 2,171 |
| Total domestic deposits to total assets | 79.5862% | 4,959 |
| Equity capital to assets | 16.4916% | 467 |
| Core capital (leverage) ratio | 15.7468% | 506 |
| Tier 1 risk-based capital ratio | 20.8175% | 1,403 |
| Total risk-based capital ratio | 21.8262% | 1,412 |
| Memoranda: |
| Average total assets | $190,139,000 | 3,095 |
| Average earning assets | $176,494,670 | 3,081 |
| Average equity | $31,579,000 | 2,240 |
| Average total loans | $129,628,000 | 2,920 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8648% | 756 |
| Cost of funding earning assets | 0.3295% | 4,100 |
| Net interest margin | 4.5353% | 567 |
| Noninterest income to average assets | 0.5700% | 2,833 |
| Noninterest expense to average assets | 2.4512% | 4,441 |
| Loan and lease loss provision to assets | 0.0676% | 2,591 |
| Net operating income to assets | 2.1635% | 246 |
| Return on assets (ROA) | 2.1936% | 249 |
| Pretax return on assets | 2.2971% | 327 |
| Return on Equity (ROE) | 13.1611% | 1,044 |
| Retained earnings to average equity (ytd only) | 9.0949% | 1,164 |
| Net charge-offs to loans | -0.0342% | 5,326 |
| Credit loss provision to net charge-offs | -290.9091% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2207% | 5,903 |
| Assets per employee ($millions) | 4.8196% | 2,596 |
| Cash dividends to net income (ytd only)* | 30.8951% | 2,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1136% | 4,437 |
| Loan loss allowance to noncurrent loans | 907.0064% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 5,433 |
| Noncurrent loans to loans | 0.1228% | 5,335 |
| Net loans and leases to total assets | 67.2716% | 2,566 |
| Net loans and leases to deposits | 81.8745% | 2,348 |
| Net loans and leases to core deposits | 85.8782% | 2,562 |
| Total domestic deposits to total assets | 82.1642% | 4,467 |
| Equity capital to assets | 17.0181% | 422 |
| Core capital (leverage) ratio | 15.3623% | 555 |
| Tier 1 risk-based capital ratio | 21.2189% | 1,376 |
| Total risk-based capital ratio | 22.2565% | 1,400 |
| Memoranda: |
| Average total assets | $189,459,500 | 3,125 |
| Average earning assets | $176,040,500 | 3,103 |
| Average equity | $31,578,000 | 2,253 |
| Average total loans | $128,597,000 | 2,933 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9954% | 781 |
| Cost of funding earning assets | 0.3274% | 4,520 |
| Net interest margin | 4.6680% | 551 |
| Noninterest income to average assets | 0.6471% | 2,567 |
| Noninterest expense to average assets | 2.4561% | 4,683 |
| Loan and lease loss provision to assets | 0.2633% | 841 |
| Net operating income to assets | 2.1473% | 247 |
| Return on assets (ROA) | 2.1864% | 232 |
| Pretax return on assets | 2.2795% | 276 |
| Return on Equity (ROE) | 13.7439% | 984 |
| Retained earnings to average equity (ytd only) | 8.1925% | 954 |
| Net charge-offs to loans | 0.1349% | 2,672 |
| Credit loss provision to net charge-offs | 298.1818% | 871 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,396 |
| Efficiency ratio | 48.3700% | 6,170 |
| Assets per employee ($millions) | 4.8963% | 2,462 |
| Cash dividends to net income (ytd only)* | 40.3917% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0679% | 4,710 |
| Loan loss allowance to noncurrent loans | 428.8820% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 5,347 |
| Noncurrent loans to loans | 0.2490% | 4,938 |
| Net loans and leases to total assets | 67.0015% | 2,728 |
| Net loans and leases to deposits | 80.7878% | 2,623 |
| Net loans and leases to core deposits | 84.6317% | 2,832 |
| Total domestic deposits to total assets | 82.9352% | 4,103 |
| Equity capital to assets | 16.3223% | 497 |
| Core capital (leverage) ratio | 15.0556% | 604 |
| Tier 1 risk-based capital ratio | 20.0869% | 1,582 |
| Total risk-based capital ratio | 21.0725% | 1,606 |
| Memoranda: |
| Average total assets | $186,839,000 | 3,136 |
| Average earning assets | $172,558,200 | 3,124 |
| Average equity | $29,722,200 | 2,286 |
| Average total loans | $122,310,600 | 2,993 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9424% | 851 |
| Cost of funding earning assets | 0.3275% | 4,589 |
| Net interest margin | 4.6149% | 598 |
| Noninterest income to average assets | 0.6781% | 2,434 |
| Noninterest expense to average assets | 2.4985% | 4,528 |
| Loan and lease loss provision to assets | 0.2899% | 691 |
| Net operating income to assets | 2.0467% | 316 |
| Return on assets (ROA) | 2.0788% | 306 |
| Pretax return on assets | 2.1807% | 377 |
| Return on Equity (ROE) | 13.1556% | 1,184 |
| Retained earnings to average equity (ytd only) | 7.7062% | 1,488 |
| Net charge-offs to loans | -0.0376% | 5,812 |
| Credit loss provision to net charge-offs | -1,188.2353% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2149% | 6,135 |
| Assets per employee ($millions) | 4.9232% | 2,344 |
| Cash dividends to net income (ytd only)* | 41.4222% | 2,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1607% | 4,441 |
| Loan loss allowance to noncurrent loans | 286.9231% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 5,155 |
| Noncurrent loans to loans | 0.4045% | 4,693 |
| Net loans and leases to total assets | 67.9144% | 2,550 |
| Net loans and leases to deposits | 85.0020% | 2,027 |
| Net loans and leases to core deposits | 88.0114% | 2,429 |
| Total domestic deposits to total assets | 79.8975% | 5,126 |
| Equity capital to assets | 16.2614% | 528 |
| Core capital (leverage) ratio | 14.7911% | 661 |
| Tier 1 risk-based capital ratio | 19.9150% | 1,695 |
| Total risk-based capital ratio | 20.9995% | 1,694 |
| Memoranda: |
| Average total assets | $185,810,250 | 3,182 |
| Average earning assets | $171,411,000 | 3,162 |
| Average equity | $29,360,750 | 2,324 |
| Average total loans | $120,557,500 | 3,039 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8871% | 932 |
| Cost of funding earning assets | 0.3266% | 4,678 |
| Net interest margin | 4.5605% | 624 |
| Noninterest income to average assets | 0.7077% | 2,246 |
| Noninterest expense to average assets | 2.5363% | 4,466 |
| Loan and lease loss provision to assets | 0.1489% | 1,660 |
| Net operating income to assets | 2.1285% | 263 |
| Return on assets (ROA) | 2.1285% | 277 |
| Pretax return on assets | 2.2256% | 345 |
| Return on Equity (ROE) | 13.6036% | 1,030 |
| Retained earnings to average equity (ytd only) | 8.4324% | 1,162 |
| Net charge-offs to loans | -0.0339% | 5,732 |
| Credit loss provision to net charge-offs | -690.0000% | 5,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2197% | 6,160 |
| Assets per employee ($millions) | 4.6649% | 2,674 |
| Cash dividends to net income (ytd only)* | 38.0132% | 2,489 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9780% | 5,443 |
| Loan loss allowance to noncurrent loans | 151.3109% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 4,721 |
| Noncurrent loans to loans | 0.6463% | 4,092 |
| Net loans and leases to total assets | 65.7660% | 2,791 |
| Net loans and leases to deposits | 79.6397% | 2,571 |
| Net loans and leases to core deposits | 82.3813% | 2,930 |
| Total domestic deposits to total assets | 82.5794% | 4,453 |
| Equity capital to assets | 16.0535% | 545 |
| Core capital (leverage) ratio | 14.4543% | 715 |
| Tier 1 risk-based capital ratio | 19.6182% | 1,778 |
| Total risk-based capital ratio | 20.5024% | 1,826 |
| Memoranda: |
| Average total assets | $185,386,670 | 3,204 |
| Average earning assets | $170,857,330 | 3,191 |
| Average equity | $29,007,000 | 2,341 |
| Average total loans | $117,894,330 | 3,102 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9064% | 863 |
| Cost of funding earning assets | 0.3271% | 4,768 |
| Net interest margin | 4.5793% | 575 |
| Noninterest income to average assets | 0.6516% | 2,453 |
| Noninterest expense to average assets | 2.6063% | 4,248 |
| Loan and lease loss provision to assets | 0.1320% | 1,838 |
| Net operating income to assets | 2.0413% | 314 |
| Return on assets (ROA) | 2.0413% | 327 |
| Pretax return on assets | 2.1257% | 411 |
| Return on Equity (ROE) | 13.2198% | 1,107 |
| Retained earnings to average equity (ytd only) | 9.0141% | 1,248 |
| Net charge-offs to loans | -0.0174% | 5,291 |
| Credit loss provision to net charge-offs | -1,220.0000% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1584% | 6,126 |
| Assets per employee ($millions) | 4.8748% | 2,405 |
| Cash dividends to net income (ytd only)* | 31.8134% | 2,244 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9876% | 5,575 |
| Loan loss allowance to noncurrent loans | 295.5145% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 5,321 |
| Noncurrent loans to loans | 0.3342% | 5,111 |
| Net loans and leases to total assets | 60.6142% | 3,457 |
| Net loans and leases to deposits | 72.5666% | 3,265 |
| Net loans and leases to core deposits | 75.1831% | 3,508 |
| Total domestic deposits to total assets | 83.5291% | 4,441 |
| Equity capital to assets | 15.6439% | 582 |
| Core capital (leverage) ratio | 14.2507% | 744 |
| Tier 1 risk-based capital ratio | 20.5768% | 1,562 |
| Total risk-based capital ratio | 21.4537% | 1,637 |
| Memoranda: |
| Average total assets | $184,782,500 | 3,233 |
| Average earning assets | $169,980,500 | 3,220 |
| Average equity | $28,533,000 | 2,366 |
| Average total loans | $114,877,500 | 3,173 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6753% | 1,637 |
| Cost of funding earning assets | 0.3722% | 4,923 |
| Net interest margin | 4.3031% | 1,102 |
| Noninterest income to average assets | 0.5977% | 3,110 |
| Noninterest expense to average assets | 2.5560% | 4,597 |
| Loan and lease loss provision to assets | 0.2128% | 1,724 |
| Net operating income to assets | 1.7557% | 525 |
| Return on assets (ROA) | 1.6875% | 604 |
| Pretax return on assets | 1.7602% | 833 |
| Return on Equity (ROE) | 11.6057% | 1,554 |
| Retained earnings to average equity (ytd only) | 5.7579% | 2,130 |
| Net charge-offs to loans | 0.0259% | 4,904 |
| Credit loss provision to net charge-offs | 1,403.4483% | 177 |
| Earnings coverage of net charge-offs (x) | 134.7931% | 344 |
| Efficiency ratio | 54.0866% | 6,128 |
| Assets per employee ($millions) | 4.8506% | 2,372 |
| Cash dividends to net income (ytd only)* | 50.3874% | 2,257 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9059% | 5,905 |
| Loan loss allowance to noncurrent loans | 151.6547% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 5,117 |
| Noncurrent loans to loans | 0.5973% | 4,493 |
| Net loans and leases to total assets | 62.5522% | 3,287 |
| Net loans and leases to deposits | 74.4747% | 3,194 |
| Net loans and leases to core deposits | 76.5774% | 3,545 |
| Total domestic deposits to total assets | 83.9911% | 4,171 |
| Equity capital to assets | 15.2379% | 634 |
| Core capital (leverage) ratio | 14.0272% | 818 |
| Tier 1 risk-based capital ratio | 19.6636% | 1,734 |
| Total risk-based capital ratio | 20.4731% | 1,819 |
| Memoranda: |
| Average total assets | $191,233,600 | 3,143 |
| Average earning assets | $177,871,800 | 3,102 |
| Average equity | $27,805,200 | 2,393 |
| Average total loans | $112,173,800 | 3,204 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5972% | 1,915 |
| Cost of funding earning assets | 0.3868% | 4,930 |
| Net interest margin | 4.2104% | 1,299 |
| Noninterest income to average assets | 0.6005% | 3,145 |
| Noninterest expense to average assets | 2.5289% | 4,628 |
| Loan and lease loss provision to assets | 0.1852% | 1,966 |
| Net operating income to assets | 1.7350% | 597 |
| Return on assets (ROA) | 1.7350% | 618 |
| Pretax return on assets | 1.8124% | 877 |
| Return on Equity (ROE) | 12.0712% | 1,455 |
| Retained earnings to average equity (ytd only) | 6.4178% | 2,175 |
| Net charge-offs to loans | 0.0468% | 4,241 |
| Credit loss provision to net charge-offs | 687.1795% | 425 |
| Earnings coverage of net charge-offs (x) | 74.1263% | 638 |
| Efficiency ratio | 54.3886% | 6,071 |
| Assets per employee ($millions) | 4.8642% | 2,350 |
| Cash dividends to net income (ytd only)* | 46.8339% | 2,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7958% | 6,293 |
| Loan loss allowance to noncurrent loans | 86.6858% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 4,755 |
| Noncurrent loans to loans | 0.9180% | 3,982 |
| Net loans and leases to total assets | 61.0357% | 3,519 |
| Net loans and leases to deposits | 73.3749% | 3,339 |
| Net loans and leases to core deposits | 74.5886% | 3,775 |
| Total domestic deposits to total assets | 83.1834% | 4,506 |
| Equity capital to assets | 15.0822% | 700 |
| Core capital (leverage) ratio | 13.7636% | 934 |
| Tier 1 risk-based capital ratio | 19.8301% | 1,775 |
| Total risk-based capital ratio | 20.5393% | 1,876 |
| Memoranda: |
| Average total assets | $192,961,250 | 3,136 |
| Average earning assets | $179,930,250 | 3,101 |
| Average equity | $27,734,750 | 2,431 |
| Average total loans | $111,129,250 | 3,244 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4519% | 2,376 |
| Cost of funding earning assets | 0.4038% | 4,905 |
| Net interest margin | 4.0481% | 1,703 |
| Noninterest income to average assets | 0.5857% | 3,281 |
| Noninterest expense to average assets | 2.4940% | 4,757 |
| Loan and lease loss provision to assets | 0.1768% | 2,146 |
| Net operating income to assets | 1.6180% | 727 |
| Return on assets (ROA) | 1.6180% | 793 |
| Pretax return on assets | 1.6957% | 1,124 |
| Return on Equity (ROE) | 11.4350% | 1,661 |
| Retained earnings to average equity (ytd only) | 6.1906% | 2,327 |
| Net charge-offs to loans | -0.0381% | 6,162 |
| Credit loss provision to net charge-offs | -823.8095% | 6,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5946% | 6,010 |
| Assets per employee ($millions) | 4.9179% | 2,204 |
| Cash dividends to net income (ytd only)* | 45.8623% | 2,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7976% | 6,358 |
| Loan loss allowance to noncurrent loans | 88.5947% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 4,953 |
| Noncurrent loans to loans | 0.9003% | 4,127 |
| Net loans and leases to total assets | 57.9023% | 4,006 |
| Net loans and leases to deposits | 68.5909% | 3,921 |
| Net loans and leases to core deposits | 69.3763% | 4,343 |
| Total domestic deposits to total assets | 84.4169% | 4,159 |
| Equity capital to assets | 14.7553% | 773 |
| Core capital (leverage) ratio | 12.9165% | 1,198 |
| Tier 1 risk-based capital ratio | 19.8062% | 1,764 |
| Total risk-based capital ratio | 20.5012% | 1,896 |
| Memoranda: |
| Average total assets | $195,668,000 | 3,124 |
| Average earning assets | $182,754,000 | 3,082 |
| Average equity | $27,687,000 | 2,442 |
| Average total loans | $110,264,330 | 3,267 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5094% | 2,135 |
| Cost of funding earning assets | 0.4148% | 4,965 |
| Net interest margin | 4.0946% | 1,477 |
| Noninterest income to average assets | 0.4998% | 3,767 |
| Noninterest expense to average assets | 2.4213% | 5,054 |
| Loan and lease loss provision to assets | 0.3459% | 951 |
| Net operating income to assets | 1.4935% | 868 |
| Return on assets (ROA) | 1.4935% | 941 |
| Pretax return on assets | 1.5615% | 1,399 |
| Return on Equity (ROE) | 10.7703% | 1,770 |
| Retained earnings to average equity (ytd only) | 6.7909% | 2,256 |
| Net charge-offs to loans | -0.0289% | 5,879 |
| Credit loss provision to net charge-offs | -2,162.5000% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4573% | 6,193 |
| Assets per employee ($millions) | 5.1964% | 1,984 |
| Cash dividends to net income (ytd only)* | 36.9478% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7817% | 6,488 |
| Loan loss allowance to noncurrent loans | 146.9983% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 5,684 |
| Noncurrent loans to loans | 0.5318% | 5,111 |
| Net loans and leases to total assets | 55.0853% | 4,228 |
| Net loans and leases to deposits | 64.7008% | 4,226 |
| Net loans and leases to core deposits | 65.3955% | 4,602 |
| Total domestic deposits to total assets | 85.1385% | 3,971 |
| Equity capital to assets | 14.1242% | 987 |
| Core capital (leverage) ratio | 12.2188% | 1,450 |
| Tier 1 risk-based capital ratio | 19.2245% | 1,971 |
| Total risk-based capital ratio | 19.9003% | 2,112 |
| Memoranda: |
| Average total assets | $200,061,000 | 3,095 |
| Average earning assets | $187,076,000 | 3,054 |
| Average equity | $27,743,000 | 2,467 |
| Average total loans | $110,857,000 | 3,270 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6848% | 2,657 |
| Cost of funding earning assets | 0.3554% | 6,178 |
| Net interest margin | 4.3293% | 1,328 |
| Noninterest income to average assets | 0.4654% | 4,137 |
| Noninterest expense to average assets | 2.1481% | 6,028 |
| Loan and lease loss provision to assets | 0.3185% | 2,147 |
| Net operating income to assets | 2.0314% | 336 |
| Return on assets (ROA) | 2.1192% | 323 |
| Pretax return on assets | 2.1800% | 432 |
| Return on Equity (ROE) | 10.7969% | 1,873 |
| Retained earnings to average equity (ytd only) | -25.4030% | 6,901 |
| Net charge-offs to loans | 1.2924% | 754 |
| Credit loss provision to net charge-offs | 52.9483% | 4,621 |
| Earnings coverage of net charge-offs (x) | 4.0036% | 3,516 |
| Efficiency ratio | 46.7990% | 6,759 |
| Assets per employee ($millions) | 5.4773% | 1,704 |
| Cash dividends to net income (ytd only)* | 335.2801% | 59 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6031% | 6,752 |
| Loan loss allowance to noncurrent loans | 133.0709% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 5,920 |
| Noncurrent loans to loans | 0.4532% | 5,371 |
| Net loans and leases to total assets | 54.9731% | 4,454 |
| Net loans and leases to deposits | 64.1219% | 4,513 |
| Net loans and leases to core deposits | 64.8252% | 4,860 |
| Total domestic deposits to total assets | 85.7322% | 3,498 |
| Equity capital to assets | 13.6170% | 1,185 |
| Core capital (leverage) ratio | 12.7370% | 1,227 |
| Tier 1 risk-based capital ratio | 18.3608% | 2,150 |
| Total risk-based capital ratio | 18.8808% | 2,368 |
| Memoranda: |
| Average total assets | $138,165,400 | 3,987 |
| Average earning assets | $130,550,800 | 3,882 |
| Average equity | $27,118,800 | 2,474 |
| Average total loans | $64,298,200 | 4,565 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9091% | 1,973 |
| Cost of funding earning assets | 0.3280% | 6,477 |
| Net interest margin | 4.5811% | 848 |
| Noninterest income to average assets | 0.4807% | 4,056 |
| Noninterest expense to average assets | 2.0441% | 6,284 |
| Loan and lease loss provision to assets | 0.4807% | 1,285 |
| Net operating income to assets | 2.2295% | 267 |
| Return on assets (ROA) | 2.3259% | 252 |
| Pretax return on assets | 2.4035% | 343 |
| Return on Equity (ROE) | 10.5135% | 2,133 |
| Retained earnings to average equity (ytd only) | 4.6025% | 3,663 |
| Net charge-offs to loans | 2.1164% | 324 |
| Credit loss provision to net charge-offs | 52.9483% | 4,328 |
| Earnings coverage of net charge-offs (x) | 3.0674% | 3,801 |
| Efficiency ratio | 42.3303% | 6,954 |
| Assets per employee ($millions) | 6.6068% | 901 |
| Cash dividends to net income (ytd only)* | 56.2235% | 1,426 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2560% | 5,019 |
| Loan loss allowance to noncurrent loans | 143.2203% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 5,702 |
| Noncurrent loans to loans | 0.8769% | 4,671 |
| Net loans and leases to total assets | 44.6906% | 5,907 |
| Net loans and leases to deposits | 58.6560% | 5,359 |
| Net loans and leases to core deposits | 58.6560% | 5,691 |
| Total domestic deposits to total assets | 76.1911% | 6,359 |
| Equity capital to assets | 23.1505% | 137 |
| Core capital (leverage) ratio | 21.1408% | 167 |
| Tier 1 risk-based capital ratio | 36.5968% | 316 |
| Total risk-based capital ratio | 37.5714% | 315 |
| Memoranda: |
| Average total assets | $122,042,000 | 4,350 |
| Average earning assets | $115,836,500 | 4,250 |
| Average equity | $26,999,500 | 2,502 |
| Average total loans | $52,351,750 | 5,057 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8752% | 5,969 |
| Cost of funding earning assets | 0.3336% | 6,584 |
| Net interest margin | 3.5416% | 4,501 |
| Noninterest income to average assets | 0.4924% | 3,964 |
| Noninterest expense to average assets | 1.9174% | 6,566 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8709% | 492 |
| Return on assets (ROA) | 1.9954% | 451 |
| Pretax return on assets | 2.0669% | 614 |
| Return on Equity (ROE) | 9.1565% | 2,735 |
| Retained earnings to average equity (ytd only) | 3.9221% | 4,006 |
| Net charge-offs to loans | 0.5438% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.4610% | 2,293 |
| Efficiency ratio | 49.7261% | 6,659 |
| Assets per employee ($millions) | 6.8084% | 811 |
| Cash dividends to net income (ytd only)* | 57.1661% | 1,466 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7278% | 3,115 |
| Loan loss allowance to noncurrent loans | 99.1435% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 4,887 |
| Noncurrent loans to loans | 1.7427% | 3,288 |
| Net loans and leases to total assets | 42.9760% | 6,112 |
| Net loans and leases to deposits | 55.5488% | 5,701 |
| Net loans and leases to core deposits | 55.5488% | 5,978 |
| Total domestic deposits to total assets | 77.3663% | 6,269 |
| Equity capital to assets | 22.0380% | 159 |
| Core capital (leverage) ratio | 20.4949% | 185 |
| Tier 1 risk-based capital ratio | 37.1794% | 301 |
| Total risk-based capital ratio | 38.4312% | 291 |
| Memoranda: |
| Average total assets | $123,082,000 | 4,350 |
| Average earning assets | $116,896,670 | 4,241 |
| Average equity | $26,822,330 | 2,500 |
| Average total loans | $51,861,330 | 5,110 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8645% | 6,102 |
| Cost of funding earning assets | 0.3386% | 6,687 |
| Net interest margin | 3.5259% | 4,580 |
| Noninterest income to average assets | 0.5124% | 3,836 |
| Noninterest expense to average assets | 1.9555% | 6,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8484% | 543 |
| Return on assets (ROA) | 1.8484% | 615 |
| Pretax return on assets | 1.9003% | 877 |
| Return on Equity (ROE) | 8.5299% | 3,042 |
| Retained earnings to average equity (ytd only) | 4.7588% | 3,701 |
| Net charge-offs to loans | 1.1217% | 918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.0979% | 2,662 |
| Efficiency ratio | 50.7149% | 6,625 |
| Assets per employee ($millions) | 6.7845% | 844 |
| Cash dividends to net income (ytd only)* | 44.2105% | 1,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8570% | 2,819 |
| Loan loss allowance to noncurrent loans | 95.7513% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 4,965 |
| Noncurrent loans to loans | 1.9393% | 3,236 |
| Net loans and leases to total assets | 39.9890% | 6,352 |
| Net loans and leases to deposits | 51.5687% | 6,021 |
| Net loans and leases to core deposits | 51.5687% | 6,236 |
| Total domestic deposits to total assets | 77.5452% | 6,329 |
| Equity capital to assets | 21.9020% | 146 |
| Core capital (leverage) ratio | 20.0213% | 203 |
| Tier 1 risk-based capital ratio | 38.5214% | 257 |
| Total risk-based capital ratio | 39.7733% | 251 |
| Memoranda: |
| Average total assets | $123,347,000 | 4,371 |
| Average earning assets | $116,961,500 | 4,273 |
| Average equity | $26,729,500 | 2,499 |
| Average total loans | $50,995,000 | 5,188 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1233% | 6,235 |
| Cost of funding earning assets | 0.4230% | 6,820 |
| Net interest margin | 3.7003% | 4,293 |
| Noninterest income to average assets | 0.4876% | 3,940 |
| Noninterest expense to average assets | 1.9334% | 6,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9869% | 316 |
| Return on assets (ROA) | 1.9869% | 337 |
| Pretax return on assets | 2.0693% | 466 |
| Return on Equity (ROE) | 9.0118% | 2,436 |
| Retained earnings to average equity (ytd only) | 2.8395% | 4,219 |
| Net charge-offs to loans | -0.0554% | 7,066 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3022% | 6,932 |
| Assets per employee ($millions) | 6.9207% | 764 |
| Cash dividends to net income (ytd only)* | 68.4908% | 1,201 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0428% | 2,147 |
| Loan loss allowance to noncurrent loans | 88.4743% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 4,665 |
| Noncurrent loans to loans | 2.3090% | 2,848 |
| Net loans and leases to total assets | 41.0715% | 6,455 |
| Net loans and leases to deposits | 52.6249% | 6,163 |
| Net loans and leases to core deposits | 52.6249% | 6,395 |
| Total domestic deposits to total assets | 78.0458% | 6,180 |
| Equity capital to assets | 21.4428% | 174 |
| Core capital (leverage) ratio | 21.3273% | 156 |
| Tier 1 risk-based capital ratio | 36.9554% | 291 |
| Total risk-based capital ratio | 38.2097% | 285 |
| Memoranda: |
| Average total assets | $117,722,400 | 4,467 |
| Average earning assets | $111,828,000 | 4,338 |
| Average equity | $25,955,000 | 2,484 |
| Average total loans | $52,326,000 | 5,178 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2009% | 6,199 |
| Cost of funding earning assets | 0.4552% | 6,865 |
| Net interest margin | 3.7457% | 4,132 |
| Noninterest income to average assets | 0.5011% | 3,862 |
| Noninterest expense to average assets | 1.9504% | 6,783 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0320% | 322 |
| Return on assets (ROA) | 2.0320% | 346 |
| Pretax return on assets | 2.1159% | 499 |
| Return on Equity (ROE) | 9.1489% | 2,529 |
| Retained earnings to average equity (ytd only) | 3.1876% | 4,431 |
| Net charge-offs to loans | -0.0153% | 6,851 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9650% | 6,962 |
| Assets per employee ($millions) | 6.1647% | 1,113 |
| Cash dividends to net income (ytd only)* | 65.1584% | 1,027 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9199% | 2,560 |
| Loan loss allowance to noncurrent loans | 50.1200% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 1.8772% | 3,299 |
| Noncurrent loans to loans | 3.8307% | 1,755 |
| Net loans and leases to total assets | 48.0629% | 5,945 |
| Net loans and leases to deposits | 63.8161% | 5,192 |
| Net loans and leases to core deposits | 63.8161% | 5,632 |
| Total domestic deposits to total assets | 75.3147% | 6,605 |
| Equity capital to assets | 24.0094% | 131 |
| Core capital (leverage) ratio | 21.5236% | 159 |
| Tier 1 risk-based capital ratio | 37.0085% | 305 |
| Total risk-based capital ratio | 38.2633% | 292 |
| Memoranda: |
| Average total assets | $116,009,750 | 4,530 |
| Average earning assets | $110,418,500 | 4,410 |
| Average equity | $25,765,750 | 2,504 |
| Average total loans | $52,349,750 | 5,220 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1328% | 6,417 |
| Cost of funding earning assets | 0.4749% | 6,933 |
| Net interest margin | 3.6579% | 4,484 |
| Noninterest income to average assets | 0.4860% | 3,971 |
| Noninterest expense to average assets | 1.9475% | 6,880 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9407% | 376 |
| Return on assets (ROA) | 1.9407% | 395 |
| Pretax return on assets | 2.0205% | 568 |
| Return on Equity (ROE) | 8.9661% | 2,529 |
| Retained earnings to average equity (ytd only) | 3.4545% | 4,052 |
| Net charge-offs to loans | -0.0155% | 6,769 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0792% | 7,001 |
| Assets per employee ($millions) | 6.4243% | 961 |
| Cash dividends to net income (ytd only)* | 61.4711% | 1,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0427% | 2,250 |
| Loan loss allowance to noncurrent loans | 51.6353% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.7451% | 3,583 |
| Noncurrent loans to loans | 3.9559% | 1,752 |
| Net loans and leases to total assets | 43.2124% | 6,503 |
| Net loans and leases to deposits | 56.2377% | 6,112 |
| Net loans and leases to core deposits | 56.2377% | 6,396 |
| Total domestic deposits to total assets | 76.8389% | 6,474 |
| Equity capital to assets | 22.5566% | 163 |
| Core capital (leverage) ratio | 20.3578% | 207 |
| Tier 1 risk-based capital ratio | 37.8111% | 283 |
| Total risk-based capital ratio | 39.0665% | 276 |
| Memoranda: |
| Average total assets | $117,691,330 | 4,523 |
| Average earning assets | $112,030,330 | 4,383 |
| Average equity | $25,473,670 | 2,512 |
| Average total loans | $51,674,000 | 5,296 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0500% | 6,603 |
| Cost of funding earning assets | 0.5129% | 6,927 |
| Net interest margin | 3.5371% | 4,861 |
| Noninterest income to average assets | 0.5088% | 3,814 |
| Noninterest expense to average assets | 1.9441% | 6,918 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8565% | 440 |
| Return on assets (ROA) | 1.8565% | 465 |
| Pretax return on assets | 1.9340% | 629 |
| Return on Equity (ROE) | 8.7570% | 2,583 |
| Retained earnings to average equity (ytd only) | 4.7520% | 3,341 |
| Net charge-offs to loans | -0.0154% | 6,489 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1303% | 6,977 |
| Assets per employee ($millions) | 6.5657% | 902 |
| Cash dividends to net income (ytd only)* | 45.7350% | 1,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0580% | 2,274 |
| Loan loss allowance to noncurrent loans | 49.1493% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.8336% | 3,519 |
| Noncurrent loans to loans | 4.1872% | 1,712 |
| Net loans and leases to total assets | 41.8803% | 6,628 |
| Net loans and leases to deposits | 55.1771% | 6,200 |
| Net loans and leases to core deposits | 55.5487% | 6,449 |
| Total domestic deposits to total assets | 75.9016% | 6,682 |
| Equity capital to assets | 21.4330% | 186 |
| Core capital (leverage) ratio | 19.6358% | 249 |
| Tier 1 risk-based capital ratio | 38.0755% | 271 |
| Total risk-based capital ratio | 39.3297% | 266 |
| Memoranda: |
| Average total assets | $118,718,000 | 4,522 |
| Average earning assets | $113,085,500 | 4,378 |
| Average equity | $25,168,500 | 2,526 |
| Average total loans | $52,005,000 | 5,329 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3543% | 6,690 |
| Cost of funding earning assets | 0.7288% | 6,793 |
| Net interest margin | 3.6255% | 4,699 |
| Noninterest income to average assets | 0.4327% | 4,660 |
| Noninterest expense to average assets | 1.8433% | 7,223 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.9634% | 300 |
| Return on assets (ROA) | 1.9634% | 317 |
| Pretax return on assets | 2.0443% | 442 |
| Return on Equity (ROE) | 9.5056% | 2,107 |
| Retained earnings to average equity (ytd only) | 3.0636% | 3,709 |
| Net charge-offs to loans | 0.0714% | 6,084 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 64.5263% | 369 |
| Efficiency ratio | 47.4158% | 7,290 |
| Assets per employee ($millions) | 5.9627% | 1,236 |
| Cash dividends to net income (ytd only)* | 67.7707% | 1,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9411% | 2,441 |
| Loan loss allowance to noncurrent loans | 48.9854% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.8196% | 3,602 |
| Noncurrent loans to loans | 3.9626% | 1,839 |
| Net loans and leases to total assets | 43.9709% | 6,713 |
| Net loans and leases to deposits | 55.9949% | 6,449 |
| Net loans and leases to core deposits | 56.7949% | 6,644 |
| Total domestic deposits to total assets | 78.5265% | 6,210 |
| Equity capital to assets | 20.9695% | 208 |
| Core capital (leverage) ratio | 20.7977% | 204 |
| Tier 1 risk-based capital ratio | 36.5751% | 306 |
| Total risk-based capital ratio | 37.8289% | 299 |
| Memoranda: |
| Average total assets | $119,946,000 | 4,486 |
| Average earning assets | $114,300,800 | 4,367 |
| Average equity | $24,774,800 | 2,575 |
| Average total loans | $53,190,000 | 5,347 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3354% | 6,916 |
| Cost of funding earning assets | 0.7695% | 6,844 |
| Net interest margin | 3.5658% | 5,035 |
| Noninterest income to average assets | 0.4451% | 4,594 |
| Noninterest expense to average assets | 1.8426% | 7,281 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9214% | 391 |
| Return on assets (ROA) | 1.9214% | 427 |
| Pretax return on assets | 2.0024% | 616 |
| Return on Equity (ROE) | 9.3376% | 2,374 |
| Retained earnings to average equity (ytd only) | 3.1557% | 4,220 |
| Net charge-offs to loans | 0.0201% | 6,393 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 225.4236% | 145 |
| Efficiency ratio | 47.9215% | 7,275 |
| Assets per employee ($millions) | 6.1529% | 1,142 |
| Cash dividends to net income (ytd only)* | 66.2045% | 1,025 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8878% | 2,518 |
| Loan loss allowance to noncurrent loans | 37.6853% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 2.4242% | 2,950 |
| Noncurrent loans to loans | 5.0094% | 1,375 |
| Net loans and leases to total assets | 47.4792% | 6,565 |
| Net loans and leases to deposits | 61.2169% | 6,194 |
| Net loans and leases to core deposits | 62.3299% | 6,427 |
| Total domestic deposits to total assets | 77.5589% | 6,356 |
| Equity capital to assets | 21.8321% | 197 |
| Core capital (leverage) ratio | 19.5951% | 262 |
| Tier 1 risk-based capital ratio | 35.0177% | 349 |
| Total risk-based capital ratio | 36.2717% | 339 |
| Memoranda: |
| Average total assets | $120,119,000 | 4,538 |
| Average earning assets | $114,528,250 | 4,414 |
| Average equity | $24,716,750 | 2,618 |
| Average total loans | $53,118,750 | 5,433 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2862% | 7,071 |
| Cost of funding earning assets | 0.7932% | 6,937 |
| Net interest margin | 3.4930% | 5,275 |
| Noninterest income to average assets | 0.4538% | 4,483 |
| Noninterest expense to average assets | 1.8054% | 7,383 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8978% | 400 |
| Return on assets (ROA) | 1.8978% | 443 |
| Pretax return on assets | 1.9771% | 630 |
| Return on Equity (ROE) | 9.4077% | 2,314 |
| Retained earnings to average equity (ytd only) | 3.7140% | 3,738 |
| Net charge-offs to loans | 0.0346% | 5,870 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 133.1111% | 253 |
| Efficiency ratio | 47.7312% | 7,361 |
| Assets per employee ($millions) | 6.5063% | 949 |
| Cash dividends to net income (ytd only)* | 60.5217% | 1,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0218% | 2,128 |
| Loan loss allowance to noncurrent loans | 39.9775% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.1590% | 3,308 |
| Noncurrent loans to loans | 5.0573% | 1,360 |
| Net loans and leases to total assets | 41.8282% | 7,050 |
| Net loans and leases to deposits | 53.8760% | 6,871 |
| Net loans and leases to core deposits | 55.4503% | 6,971 |
| Total domestic deposits to total assets | 77.6379% | 6,358 |
| Equity capital to assets | 20.2435% | 273 |
| Core capital (leverage) ratio | 19.0456% | 290 |
| Tier 1 risk-based capital ratio | 35.7469% | 329 |
| Total risk-based capital ratio | 37.0020% | 319 |
| Memoranda: |
| Average total assets | $121,190,000 | 4,541 |
| Average earning assets | $115,487,330 | 4,427 |
| Average equity | $24,448,000 | 2,644 |
| Average total loans | $51,967,000 | 5,516 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3058% | 7,123 |
| Cost of funding earning assets | 0.8198% | 7,027 |
| Net interest margin | 3.4860% | 5,218 |
| Noninterest income to average assets | 0.4668% | 4,327 |
| Noninterest expense to average assets | 1.8037% | 7,458 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9004% | 409 |
| Return on assets (ROA) | 1.9004% | 445 |
| Pretax return on assets | 1.9804% | 631 |
| Return on Equity (ROE) | 9.4373% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.3643% | 2,951 |
| Net charge-offs to loans | -0.0078% | 6,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6652% | 7,464 |
| Assets per employee ($millions) | 6.2804% | 1,091 |
| Cash dividends to net income (ytd only)* | 43.1579% | 1,664 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0919% | 1,975 |
| Loan loss allowance to noncurrent loans | 40.2767% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 2.2409% | 3,224 |
| Noncurrent loans to loans | 5.1937% | 1,379 |
| Net loans and leases to total assets | 42.2436% | 7,111 |
| Net loans and leases to deposits | 53.4736% | 6,951 |
| Net loans and leases to core deposits | 55.2459% | 7,030 |
| Total domestic deposits to total assets | 78.9989% | 6,081 |
| Equity capital to assets | 20.5100% | 262 |
| Core capital (leverage) ratio | 19.2956% | 292 |
| Tier 1 risk-based capital ratio | 36.2854% | 323 |
| Total risk-based capital ratio | 37.5401% | 315 |
| Memoranda: |
| Average total assets | $119,975,000 | 4,626 |
| Average earning assets | $114,171,500 | 4,510 |
| Average equity | $24,159,500 | 2,705 |
| Average total loans | $51,563,000 | 5,607 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6232% | 7,258 |
| Cost of funding earning assets | 1.0715% | 7,054 |
| Net interest margin | 3.5517% | 4,738 |
| Noninterest income to average assets | 0.4628% | 4,694 |
| Noninterest expense to average assets | 1.7936% | 7,614 |
| Loan and lease loss provision to assets | 0.6476% | 3,212 |
| Net operating income to assets | 1.3528% | 936 |
| Return on assets (ROA) | 1.3528% | 985 |
| Pretax return on assets | 1.4071% | 1,419 |
| Return on Equity (ROE) | 6.6476% | 2,932 |
| Retained earnings to average equity (ytd only) | 0.9497% | 4,365 |
| Net charge-offs to loans | 1.2385% | 1,993 |
| Credit loss provision to net charge-offs | 119.7492% | 4,478 |
| Earnings coverage of net charge-offs (x) | 3.7994% | 3,192 |
| Efficiency ratio | 46.6079% | 7,686 |
| Assets per employee ($millions) | 6.3486% | 1,050 |
| Cash dividends to net income (ytd only)* | 85.7143% | 985 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0836% | 1,851 |
| Loan loss allowance to noncurrent loans | 40.4968% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 2.2027% | 3,123 |
| Noncurrent loans to loans | 5.1451% | 1,295 |
| Net loans and leases to total assets | 41.9199% | 7,253 |
| Net loans and leases to deposits | 52.5312% | 7,130 |
| Net loans and leases to core deposits | 61.1190% | 7,223 |
| Total domestic deposits to total assets | 79.7999% | 5,726 |
| Equity capital to assets | 19.7682% | 315 |
| Core capital (leverage) ratio | 20.0589% | 277 |
| Tier 1 risk-based capital ratio | 35.5697% | 329 |
| Total risk-based capital ratio | 36.8248% | 326 |
| Memoranda: |
| Average total assets | $117,976,600 | 4,631 |
| Average earning assets | $112,454,400 | 4,497 |
| Average equity | $24,008,600 | 2,727 |
| Average total loans | $51,514,200 | 5,607 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6859% | 7,301 |
| Cost of funding earning assets | 1.1229% | 7,124 |
| Net interest margin | 3.5629% | 4,622 |
| Noninterest income to average assets | 0.4807% | 4,662 |
| Noninterest expense to average assets | 1.7889% | 7,669 |
| Loan and lease loss provision to assets | 0.3637% | 4,139 |
| Net operating income to assets | 1.6423% | 617 |
| Return on assets (ROA) | 1.6423% | 663 |
| Pretax return on assets | 1.7286% | 914 |
| Return on Equity (ROE) | 8.0111% | 2,628 |
| Retained earnings to average equity (ytd only) | 2.9217% | 3,687 |
| Net charge-offs to loans | 0.0104% | 6,793 |
| Credit loss provision to net charge-offs | 8,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 460.5272% | 73 |
| Efficiency ratio | 46.0908% | 7,766 |
| Assets per employee ($millions) | 5.9936% | 1,224 |
| Cash dividends to net income (ytd only)* | 63.5294% | 1,468 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5030% | 1,056 |
| Loan loss allowance to noncurrent loans | 38.5976% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.8803% | 2,413 |
| Noncurrent loans to loans | 6.4848% | 889 |
| Net loans and leases to total assets | 43.3039% | 7,293 |
| Net loans and leases to deposits | 58.6359% | 6,927 |
| Net loans and leases to core deposits | 70.3631% | 6,949 |
| Total domestic deposits to total assets | 73.8521% | 6,979 |
| Equity capital to assets | 21.6273% | 261 |
| Core capital (leverage) ratio | 20.0377% | 308 |
| Tier 1 risk-based capital ratio | 37.5371% | 322 |
| Total risk-based capital ratio | 38.7962% | 311 |
| Memoranda: |
| Average total assets | $117,315,000 | 4,664 |
| Average earning assets | $111,964,500 | 4,538 |
| Average equity | $24,049,500 | 2,748 |
| Average total loans | $51,482,500 | 5,647 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6562% | 7,458 |
| Cost of funding earning assets | 1.1742% | 7,182 |
| Net interest margin | 3.4819% | 4,884 |
| Noninterest income to average assets | 0.4153% | 5,159 |
| Noninterest expense to average assets | 1.7744% | 7,770 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8859% | 386 |
| Return on assets (ROA) | 1.8859% | 417 |
| Pretax return on assets | 1.9652% | 608 |
| Return on Equity (ROE) | 9.3644% | 2,230 |
| Retained earnings to average equity (ytd only) | 5.4409% | 2,274 |
| Net charge-offs to loans | 0.0154% | 6,317 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 132 |
| Efficiency ratio | 47.4492% | 7,784 |
| Assets per employee ($millions) | 6.2479% | 1,077 |
| Cash dividends to net income (ytd only)* | 41.8979% | 2,337 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8745% | 1,856 |
| Loan loss allowance to noncurrent loans | 23.7748% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 3.3519% | 1,861 |
| Noncurrent loans to loans | 7.8842% | 564 |
| Net loans and leases to total assets | 41.7168% | 7,462 |
| Net loans and leases to deposits | 53.7751% | 7,283 |
| Net loans and leases to core deposits | 60.0478% | 7,449 |
| Total domestic deposits to total assets | 77.5764% | 6,184 |
| Equity capital to assets | 20.2274% | 362 |
| Core capital (leverage) ratio | 19.7226% | 375 |
| Tier 1 risk-based capital ratio | 36.7105% | 379 |
| Total risk-based capital ratio | 37.9636% | 369 |
| Memoranda: |
| Average total assets | $118,460,330 | 4,674 |
| Average earning assets | $113,097,670 | 4,535 |
| Average equity | $23,856,330 | 2,771 |
| Average total loans | $51,783,330 | 5,686 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7364% | 7,452 |
| Cost of funding earning assets | 1.2408% | 7,201 |
| Net interest margin | 3.4956% | 4,755 |
| Noninterest income to average assets | 0.4124% | 5,114 |
| Noninterest expense to average assets | 1.6529% | 7,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0079% | 346 |
| Return on assets (ROA) | 2.0079% | 393 |
| Pretax return on assets | 2.0924% | 548 |
| Return on Equity (ROE) | 9.9922% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.6894% | 1,282 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1336% | 7,921 |
| Assets per employee ($millions) | 6.1967% | 1,095 |
| Cash dividends to net income (ytd only)* | 3.0303% | 2,810 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8155% | 1,814 |
| Loan loss allowance to noncurrent loans | 27.7697% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 2.9056% | 1,959 |
| Noncurrent loans to loans | 6.5377% | 670 |
| Net loans and leases to total assets | 43.6367% | 7,372 |
| Net loans and leases to deposits | 55.2512% | 7,206 |
| Net loans and leases to core deposits | 67.5125% | 7,163 |
| Total domestic deposits to total assets | 78.9787% | 5,737 |
| Equity capital to assets | 20.5550% | 387 |
| Core capital (leverage) ratio | 19.3040% | 429 |
| Tier 1 risk-based capital ratio | 36.0262% | 406 |
| Total risk-based capital ratio | 37.2784% | 398 |
| Memoranda: |
| Average total assets | $118,335,500 | 4,696 |
| Average earning assets | $112,827,500 | 4,561 |
| Average equity | $23,778,500 | 2,796 |
| Average total loans | $52,441,000 | 5,697 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4305% | 7,422 |
| Cost of funding earning assets | 1.6733% | 7,321 |
| Net interest margin | 3.7572% | 4,192 |
| Noninterest income to average assets | 0.3931% | 5,528 |
| Noninterest expense to average assets | 1.8459% | 7,696 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.0285% | 328 |
| Return on assets (ROA) | 2.0285% | 311 |
| Pretax return on assets | 2.1121% | 474 |
| Return on Equity (ROE) | 9.9021% | 2,295 |
| Retained earnings to average equity (ytd only) | 3.3153% | 3,087 |
| Net charge-offs to loans | 0.0434% | 6,165 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 102.0870% | 424 |
| Efficiency ratio | 46.6364% | 7,894 |
| Assets per employee ($millions) | 5.9467% | 1,163 |
| Cash dividends to net income (ytd only)* | 66.5188% | 2,345 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8076% | 1,618 |
| Loan loss allowance to noncurrent loans | 35.9440% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 2.2937% | 2,122 |
| Noncurrent loans to loans | 5.0290% | 871 |
| Net loans and leases to total assets | 43.3900% | 7,508 |
| Net loans and leases to deposits | 54.2525% | 7,423 |
| Net loans and leases to core deposits | 60.8263% | 7,549 |
| Total domestic deposits to total assets | 79.9778% | 5,034 |
| Equity capital to assets | 19.6379% | 487 |
| Core capital (leverage) ratio | 21.5044% | 353 |
| Tier 1 risk-based capital ratio | 35.4074% | 433 |
| Total risk-based capital ratio | 36.6599% | 427 |
| Memoranda: |
| Average total assets | $111,167,200 | 4,743 |
| Average earning assets | $105,478,200 | 4,628 |
| Average equity | $22,773,000 | 2,876 |
| Average total loans | $52,979,600 | 5,579 |
