| 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 | 7.6215% | 142 |
| Cost of funding earning assets | 2.8212% | 200 |
| Net interest margin | 4.8003% | 416 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.5450% | 2,170 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.6748% | 764 |
| Return on assets (ROA) | 1.6748% | 736 |
| Pretax return on assets | 2.6553% | 292 |
| Return on Equity (ROE) | 14.9500% | 1,299 |
| Retained earnings to average equity (ytd only) | 11.5209% | 698 |
| Net charge-offs to loans | 0.3341% | 326 |
| Credit loss provision to net charge-offs | 113.0510% | 1,736 |
| Earnings coverage of net charge-offs (x) | 15.4667% | 2,043 |
| Efficiency ratio | 47.0452% | 4,146 |
| Assets per employee ($millions) | 12.2506% | 387 |
| Cash dividends to net income (ytd only)* | 22.9402% | 2,836 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8802% | 3,781 |
| Loan loss allowance to noncurrent loans | 274.5455% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,292 |
| Noncurrent loans to loans | 0.3206% | 2,031 |
| Net loans and leases to total assets | 57.6200% | 3,068 |
| Net loans and leases to deposits | 67.2665% | 3,089 |
| Net loans and leases to core deposits | 77.5884% | 2,874 |
| Total domestic deposits to total assets | 85.6600% | 2,120 |
| Equity capital to assets | 11.4172% | 1,323 |
| Core capital (leverage) ratio | 11.3968% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $624,670,400 | 1,428 |
| Average earning assets | $603,151,800 | 1,370 |
| Average equity | $69,977,200 | 1,248 |
| Average total loans | $346,302,400 | 1,626 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4478% | 147 |
| Cost of funding earning assets | 2.6949% | 194 |
| Net interest margin | 4.7529% | 433 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.2718% | 2,883 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.0224% | 487 |
| Return on assets (ROA) | 2.0224% | 478 |
| Pretax return on assets | 2.9871% | 240 |
| Return on Equity (ROE) | 18.1500% | 930 |
| Retained earnings to average equity (ytd only) | 13.5034% | 745 |
| Net charge-offs to loans | 0.1398% | 584 |
| Credit loss provision to net charge-offs | 98.5915% | 1,637 |
| Earnings coverage of net charge-offs (x) | 40.0197% | 1,444 |
| Efficiency ratio | 42.5887% | 4,293 |
| Assets per employee ($millions) | 12.1745% | 358 |
| Cash dividends to net income (ytd only)* | 25.5809% | 2,243 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9021% | 3,727 |
| Loan loss allowance to noncurrent loans | 218.3448% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 2,137 |
| Noncurrent loans to loans | 0.4131% | 1,797 |
| Net loans and leases to total assets | 53.9000% | 3,368 |
| Net loans and leases to deposits | 62.6544% | 3,363 |
| Net loans and leases to core deposits | 72.3425% | 3,088 |
| Total domestic deposits to total assets | 86.0300% | 2,182 |
| Equity capital to assets | 11.3214% | 1,235 |
| Core capital (leverage) ratio | 11.6705% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $618,517,750 | 1,439 |
| Average earning assets | $597,797,750 | 1,383 |
| Average equity | $68,939,000 | 1,254 |
| Average total loans | $338,519,500 | 1,649 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2873% | 148 |
| Cost of funding earning assets | 2.5819% | 165 |
| Net interest margin | 4.7054% | 455 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.4219% | 2,424 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.0095% | 459 |
| Return on assets (ROA) | 2.0095% | 454 |
| Pretax return on assets | 2.8871% | 228 |
| Return on Equity (ROE) | 18.1300% | 936 |
| Retained earnings to average equity (ytd only) | 11.0259% | 1,181 |
| Net charge-offs to loans | 0.1136% | 626 |
| Credit loss provision to net charge-offs | 131.5789% | 1,277 |
| Earnings coverage of net charge-offs (x) | 47.6316% | 1,312 |
| Efficiency ratio | 44.9245% | 4,209 |
| Assets per employee ($millions) | 11.3515% | 459 |
| Cash dividends to net income (ytd only)* | 39.1837% | 1,734 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9462% | 3,638 |
| Loan loss allowance to noncurrent loans | 399.3820% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 2,625 |
| Noncurrent loans to loans | 0.2369% | 2,312 |
| Net loans and leases to total assets | 55.1800% | 3,176 |
| Net loans and leases to deposits | 63.9576% | 3,193 |
| Net loans and leases to core deposits | 71.3478% | 3,046 |
| Total domestic deposits to total assets | 86.2800% | 2,154 |
| Equity capital to assets | 11.3858% | 1,235 |
| Core capital (leverage) ratio | 11.4811% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $609,608,333 | 1,453 |
| Average earning assets | $589,494,000 | 1,399 |
| Average equity | $67,568,333 | 1,271 |
| Average total loans | $334,368,667 | 1,652 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5127% | 704 |
| Cost of funding earning assets | 0.8100% | 372 |
| Net interest margin | 3.7028% | 1,368 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 2.4162% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7256% | 513 |
| Return on assets (ROA) | 1.7256% | 487 |
| Pretax return on assets | 2.3969% | 233 |
| Return on Equity (ROE) | 15.6800% | 1,107 |
| Retained earnings to average equity (ytd only) | 9.8845% | 1,197 |
| Net charge-offs to loans | 0.2164% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 19.7822% | 1,900 |
| Efficiency ratio | 50.2006% | 4,117 |
| Assets per employee ($millions) | 10.9570% | 512 |
| Cash dividends to net income (ytd only)* | 36.9572% | 2,066 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9602% | 3,567 |
| Loan loss allowance to noncurrent loans | 720.6818% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,045 |
| Noncurrent loans to loans | 0.1332% | 2,848 |
| Net loans and leases to total assets | 55.2800% | 3,094 |
| Net loans and leases to deposits | 63.9705% | 3,044 |
| Net loans and leases to core deposits | 67.9048% | 3,015 |
| Total domestic deposits to total assets | 86.4200% | 2,597 |
| Equity capital to assets | 11.1999% | 1,184 |
| Core capital (leverage) ratio | 11.6614% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $564,515,000 | 1,573 |
| Average earning assets | $547,560,000 | 1,509 |
| Average equity | $62,127,600 | 1,363 |
| Average total loans | $316,008,800 | 1,656 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9122% | 1,456 |
| Cost of funding earning assets | 0.5247% | 661 |
| Net interest margin | 3.3875% | 2,015 |
| Noninterest income to average assets | 1.3500% | 405 |
| Noninterest expense to average assets | 2.2505% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8066% | 425 |
| Return on assets (ROA) | 1.8066% | 414 |
| Pretax return on assets | 2.3899% | 241 |
| Return on Equity (ROE) | 16.4900% | 890 |
| Retained earnings to average equity (ytd only) | 8.6358% | 1,775 |
| Net charge-offs to loans | 0.3013% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 14.1601% | 1,866 |
| Efficiency ratio | 48.4983% | 4,243 |
| Assets per employee ($millions) | 10.6824% | 544 |
| Cash dividends to net income (ytd only)* | 47.6380% | 1,289 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9919% | 3,522 |
| Loan loss allowance to noncurrent loans | 715.6818% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,113 |
| Noncurrent loans to loans | 0.1386% | 2,938 |
| Net loans and leases to total assets | 56.5800% | 2,844 |
| Net loans and leases to deposits | 64.8857% | 2,800 |
| Net loans and leases to core deposits | 67.9441% | 2,808 |
| Total domestic deposits to total assets | 87.2100% | 2,694 |
| Equity capital to assets | 11.5366% | 992 |
| Core capital (leverage) ratio | 11.4603% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $557,724,750 | 1,600 |
| Average earning assets | $542,489,750 | 1,527 |
| Average equity | $61,092,750 | 1,406 |
| Average total loans | $312,448,000 | 1,663 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3268% | 2,653 |
| Cost of funding earning assets | 0.3792% | 1,048 |
| Net interest margin | 2.9475% | 3,042 |
| Noninterest income to average assets | 1.3888% | 375 |
| Noninterest expense to average assets | 2.0954% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7369% | 388 |
| Return on assets (ROA) | 1.7369% | 385 |
| Pretax return on assets | 2.1630% | 264 |
| Return on Equity (ROE) | 16.1409% | 680 |
| Retained earnings to average equity (ytd only) | 4.1600% | 3,026 |
| Net charge-offs to loans | 0.4859% | 138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,836 |
| Efficiency ratio | 49.2053% | 4,298 |
| Assets per employee ($millions) | 10.8454% | 524 |
| Cash dividends to net income (ytd only)* | 74.2268% | 726 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9944% | 3,619 |
| Loan loss allowance to noncurrent loans | 704.5455% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,197 |
| Noncurrent loans to loans | 0.1411% | 2,998 |
| Net loans and leases to total assets | 54.7266% | 2,886 |
| Net loans and leases to deposits | 62.0979% | 2,884 |
| Net loans and leases to core deposits | 65.6297% | 2,848 |
| Total domestic deposits to total assets | 88.1295% | 2,520 |
| Equity capital to assets | 10.8832% | 1,268 |
| Core capital (leverage) ratio | 11.0614% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $558,472,000 | 1,601 |
| Average earning assets | $543,709,333 | 1,541 |
| Average equity | $60,095,667 | 1,434 |
| Average total loans | $310,776,000 | 1,666 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0226% | 3,185 |
| Cost of funding earning assets | 0.3392% | 1,295 |
| Net interest margin | 2.6834% | 3,442 |
| Noninterest income to average assets | 1.2287% | 472 |
| Noninterest expense to average assets | 2.0830% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6224% | 482 |
| Return on assets (ROA) | 1.6224% | 479 |
| Pretax return on assets | 1.7591% | 608 |
| Return on Equity (ROE) | 15.1644% | 624 |
| Retained earnings to average equity (ytd only) | -9.0556% | 4,545 |
| Net charge-offs to loans | 0.5956% | 114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.2900% | 1,607 |
| Efficiency ratio | 54.2151% | 4,034 |
| Assets per employee ($millions) | 11.0481% | 501 |
| Cash dividends to net income (ytd only)* | 159.7161% | 286 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0785% | 3,424 |
| Loan loss allowance to noncurrent loans | 771.1364% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,286 |
| Noncurrent loans to loans | 0.1399% | 3,108 |
| Net loans and leases to total assets | 55.2340% | 2,606 |
| Net loans and leases to deposits | 63.1651% | 2,607 |
| Net loans and leases to core deposits | 67.6376% | 2,484 |
| Total domestic deposits to total assets | 87.4438% | 2,765 |
| Equity capital to assets | 10.4325% | 1,619 |
| Core capital (leverage) ratio | 10.4938% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $555,728,000 | 1,613 |
| Average earning assets | $541,261,500 | 1,560 |
| Average equity | $59,455,000 | 1,498 |
| Average total loans | $310,296,000 | 1,659 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3090% | 3,178 |
| Cost of funding earning assets | 0.4286% | 1,340 |
| Net interest margin | 2.8804% | 3,491 |
| Noninterest income to average assets | 2.2513% | 261 |
| Noninterest expense to average assets | 2.4999% | 2,183 |
| Loan and lease loss provision to assets | 0.0956% | 1,308 |
| Net operating income to assets | 1.8882% | 420 |
| Return on assets (ROA) | 1.8882% | 446 |
| Pretax return on assets | 2.4217% | 288 |
| Return on Equity (ROE) | 17.6415% | 502 |
| Retained earnings to average equity (ytd only) | 16.1407% | 167 |
| Net charge-offs to loans | 0.1415% | 661 |
| Credit loss provision to net charge-offs | 112.8668% | 1,691 |
| Earnings coverage of net charge-offs (x) | 29.7156% | 1,613 |
| Efficiency ratio | 49.8266% | 4,296 |
| Assets per employee ($millions) | 10.8731% | 528 |
| Cash dividends to net income (ytd only)* | 8.5072% | 3,405 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2599% | 2,567 |
| Loan loss allowance to noncurrent loans | 876.1364% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,394 |
| Noncurrent loans to loans | 0.1438% | 3,219 |
| Net loans and leases to total assets | 54.4834% | 2,792 |
| Net loans and leases to deposits | 62.9755% | 2,787 |
| Net loans and leases to core deposits | 69.3306% | 2,520 |
| Total domestic deposits to total assets | 86.5152% | 2,707 |
| Equity capital to assets | 10.9509% | 1,821 |
| Core capital (leverage) ratio | 10.9364% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $522,936,400 | 1,643 |
| Average earning assets | $502,149,000 | 1,602 |
| Average equity | $55,970,200 | 1,610 |
| Average total loans | $313,111,400 | 1,653 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3408% | 3,276 |
| Cost of funding earning assets | 0.4536% | 1,326 |
| Net interest margin | 2.8872% | 3,579 |
| Noninterest income to average assets | 2.2136% | 290 |
| Noninterest expense to average assets | 2.3045% | 2,740 |
| Loan and lease loss provision to assets | 0.1295% | 897 |
| Net operating income to assets | 2.0076% | 455 |
| Return on assets (ROA) | 2.0076% | 481 |
| Pretax return on assets | 2.5512% | 315 |
| Return on Equity (ROE) | 18.8746% | 529 |
| Retained earnings to average equity (ytd only) | 16.8302% | 252 |
| Net charge-offs to loans | -0.0284% | 4,108 |
| Credit loss provision to net charge-offs | -746.2687% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2273% | 4,489 |
| Assets per employee ($millions) | 10.8540% | 496 |
| Cash dividends to net income (ytd only)* | 10.8317% | 2,940 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4140% | 1,969 |
| Loan loss allowance to noncurrent loans | 2,798.0769% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,987 |
| Noncurrent loans to loans | 0.0505% | 3,858 |
| Net loans and leases to total assets | 54.9774% | 2,852 |
| Net loans and leases to deposits | 63.2134% | 2,935 |
| Net loans and leases to core deposits | 69.6768% | 2,625 |
| Total domestic deposits to total assets | 86.9711% | 2,364 |
| Equity capital to assets | 10.5874% | 2,382 |
| Core capital (leverage) ratio | 10.7206% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $515,038,000 | 1,681 |
| Average earning assets | $494,396,250 | 1,634 |
| Average equity | $54,781,250 | 1,659 |
| Average total loans | $314,893,750 | 1,673 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4107% | 3,151 |
| Cost of funding earning assets | 0.4866% | 1,282 |
| Net interest margin | 2.9241% | 3,518 |
| Noninterest income to average assets | 2.4349% | 257 |
| Noninterest expense to average assets | 2.3947% | 2,483 |
| Loan and lease loss provision to assets | 0.1991% | 559 |
| Net operating income to assets | 2.0932% | 410 |
| Return on assets (ROA) | 2.0932% | 429 |
| Pretax return on assets | 2.6507% | 280 |
| Return on Equity (ROE) | 19.6464% | 487 |
| Retained earnings to average equity (ytd only) | 16.5066% | 307 |
| Net charge-offs to loans | -0.0864% | 4,583 |
| Credit loss provision to net charge-offs | -364.9635% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6603% | 4,532 |
| Assets per employee ($millions) | 10.6400% | 504 |
| Cash dividends to net income (ytd only)* | 15.9817% | 2,670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3990% | 1,979 |
| Loan loss allowance to noncurrent loans | 1,503.3898% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 3,878 |
| Noncurrent loans to loans | 0.0931% | 3,710 |
| Net loans and leases to total assets | 56.4956% | 2,839 |
| Net loans and leases to deposits | 64.5676% | 2,941 |
| Net loans and leases to core deposits | 70.8681% | 2,700 |
| Total domestic deposits to total assets | 87.4985% | 2,096 |
| Equity capital to assets | 10.1410% | 2,729 |
| Core capital (leverage) ratio | 11.1372% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $502,199,000 | 1,707 |
| Average earning assets | $482,535,333 | 1,655 |
| Average equity | $53,506,000 | 1,675 |
| Average total loans | $316,960,000 | 1,667 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5608% | 2,760 |
| Cost of funding earning assets | 0.5642% | 1,032 |
| Net interest margin | 2.9967% | 3,264 |
| Noninterest income to average assets | 1.8202% | 430 |
| Noninterest expense to average assets | 2.4730% | 2,252 |
| Loan and lease loss provision to assets | 0.2518% | 414 |
| Net operating income to assets | 1.5642% | 1,192 |
| Return on assets (ROA) | 1.5642% | 1,256 |
| Pretax return on assets | 1.9838% | 972 |
| Return on Equity (ROE) | 14.2822% | 1,376 |
| Retained earnings to average equity (ytd only) | 7.8460% | 2,299 |
| Net charge-offs to loans | 0.1716% | 462 |
| Credit loss provision to net charge-offs | 220.5882% | 862 |
| Earnings coverage of net charge-offs (x) | 19.5882% | 1,259 |
| Efficiency ratio | 52.5218% | 3,952 |
| Assets per employee ($millions) | 9.4344% | 716 |
| Cash dividends to net income (ytd only)* | 45.0644% | 1,255 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1989% | 2,943 |
| Loan loss allowance to noncurrent loans | 1,128.7749% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,839 |
| Noncurrent loans to loans | 0.1062% | 3,779 |
| Net loans and leases to total assets | 69.2136% | 1,391 |
| Net loans and leases to deposits | 80.3417% | 1,492 |
| Net loans and leases to core deposits | 89.7880% | 1,245 |
| Total domestic deposits to total assets | 86.1490% | 2,683 |
| Equity capital to assets | 11.1754% | 1,741 |
| Core capital (leverage) ratio | 11.3129% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $476,659,500 | 1,763 |
| Average earning assets | $459,442,000 | 1,716 |
| Average equity | $52,205,000 | 1,704 |
| Average total loans | $316,933,500 | 1,676 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5706% | 3,873 |
| Cost of funding earning assets | 1.1002% | 401 |
| Net interest margin | 2.4704% | 4,614 |
| Noninterest income to average assets | 1.1947% | 780 |
| Noninterest expense to average assets | 2.5807% | 2,616 |
| Loan and lease loss provision to assets | 0.1670% | 2,296 |
| Net operating income to assets | 0.6581% | 3,564 |
| Return on assets (ROA) | 0.6581% | 3,690 |
| Pretax return on assets | 0.8331% | 3,547 |
| Return on Equity (ROE) | 6.0442% | 3,572 |
| Retained earnings to average equity (ytd only) | 3.6816% | 2,992 |
| Net charge-offs to loans | 0.2876% | 597 |
| Credit loss provision to net charge-offs | 99.8718% | 2,847 |
| Earnings coverage of net charge-offs (x) | 5.9808% | 2,820 |
| Efficiency ratio | 72.0709% | 1,675 |
| Assets per employee ($millions) | 9.8285% | 562 |
| Cash dividends to net income (ytd only)* | 39.0879% | 2,406 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2518% | 2,671 |
| Loan loss allowance to noncurrent loans | 1,283.1081% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,037 |
| Noncurrent loans to loans | 0.0976% | 3,905 |
| Net loans and leases to total assets | 62.2120% | 2,579 |
| Net loans and leases to deposits | 71.6324% | 2,722 |
| Net loans and leases to core deposits | 84.1680% | 2,022 |
| Total domestic deposits to total assets | 86.8490% | 2,010 |
| Equity capital to assets | 10.7337% | 2,489 |
| Core capital (leverage) ratio | 10.9780% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $466,461,400 | 1,645 |
| Average earning assets | $450,534,800 | 1,596 |
| Average equity | $50,792,600 | 1,671 |
| Average total loans | $271,197,200 | 1,822 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6296% | 3,949 |
| Cost of funding earning assets | 1.2258% | 336 |
| Net interest margin | 2.4039% | 4,718 |
| Noninterest income to average assets | 1.3285% | 616 |
| Noninterest expense to average assets | 2.4247% | 3,067 |
| Loan and lease loss provision to assets | 0.1956% | 2,020 |
| Net operating income to assets | 0.8879% | 2,746 |
| Return on assets (ROA) | 0.8879% | 2,868 |
| Pretax return on assets | 1.0319% | 2,960 |
| Return on Equity (ROE) | 8.1236% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.9596% | 2,574 |
| Net charge-offs to loans | 0.4180% | 383 |
| Credit loss provision to net charge-offs | 82.3030% | 2,745 |
| Earnings coverage of net charge-offs (x) | 5.1636% | 2,758 |
| Efficiency ratio | 66.3879% | 2,420 |
| Assets per employee ($millions) | 9.9384% | 514 |
| Cash dividends to net income (ytd only)* | 38.9484% | 1,979 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2481% | 2,403 |
| Loan loss allowance to noncurrent loans | 1,225.8389% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,126 |
| Noncurrent loans to loans | 0.1018% | 3,963 |
| Net loans and leases to total assets | 60.5893% | 3,153 |
| Net loans and leases to deposits | 69.7883% | 3,329 |
| Net loans and leases to core deposits | 79.8957% | 2,854 |
| Total domestic deposits to total assets | 86.8186% | 1,733 |
| Equity capital to assets | 10.8384% | 2,527 |
| Core capital (leverage) ratio | 10.9599% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $462,677,500 | 1,643 |
| Average earning assets | $447,270,000 | 1,583 |
| Average equity | $50,567,500 | 1,671 |
| Average total loans | $263,144,250 | 1,846 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7861% | 3,895 |
| Cost of funding earning assets | 1.3554% | 279 |
| Net interest margin | 2.4307% | 4,777 |
| Noninterest income to average assets | 1.4628% | 494 |
| Noninterest expense to average assets | 2.3836% | 3,298 |
| Loan and lease loss provision to assets | 0.1747% | 2,268 |
| Net operating income to assets | 1.0797% | 2,033 |
| Return on assets (ROA) | 1.0797% | 2,158 |
| Pretax return on assets | 1.2545% | 2,171 |
| Return on Equity (ROE) | 9.8508% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.0689% | 2,443 |
| Net charge-offs to loans | 0.7470% | 206 |
| Credit loss provision to net charge-offs | 42.2833% | 2,663 |
| Earnings coverage of net charge-offs (x) | 3.4588% | 2,675 |
| Efficiency ratio | 62.5158% | 3,044 |
| Assets per employee ($millions) | 9.8374% | 524 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1949% | 2,543 |
| Loan loss allowance to noncurrent loans | 1,077.1523% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,217 |
| Noncurrent loans to loans | 0.1109% | 4,011 |
| Net loans and leases to total assets | 55.8003% | 3,704 |
| Net loans and leases to deposits | 64.1426% | 3,873 |
| Net loans and leases to core deposits | 74.5708% | 3,415 |
| Total domestic deposits to total assets | 86.9941% | 1,622 |
| Equity capital to assets | 10.5999% | 2,665 |
| Core capital (leverage) ratio | 11.1846% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $457,888,333 | 1,633 |
| Average earning assets | $442,670,000 | 1,567 |
| Average equity | $50,188,667 | 1,670 |
| Average total loans | $253,295,333 | 1,880 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4535% | 2,435 |
| Cost of funding earning assets | 1.5285% | 235 |
| Net interest margin | 2.9250% | 4,395 |
| Noninterest income to average assets | 1.0399% | 787 |
| Noninterest expense to average assets | 2.4979% | 3,272 |
| Loan and lease loss provision to assets | 0.3589% | 860 |
| Net operating income to assets | 0.9197% | 2,456 |
| Return on assets (ROA) | 0.9197% | 2,567 |
| Pretax return on assets | 1.0094% | 2,814 |
| Return on Equity (ROE) | 8.2436% | 2,410 |
| Retained earnings to average equity (ytd only) | -1.4074% | 4,190 |
| Net charge-offs to loans | 1.8948% | 75 |
| Credit loss provision to net charge-offs | 34.6320% | 2,129 |
| Earnings coverage of net charge-offs (x) | 1.3203% | 2,399 |
| Efficiency ratio | 64.6090% | 3,126 |
| Assets per employee ($millions) | 8.9836% | 534 |
| Cash dividends to net income (ytd only)* | 117.0732% | 625 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2544% | 2,367 |
| Loan loss allowance to noncurrent loans | 57.0144% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 1,018 |
| Noncurrent loans to loans | 2.2001% | 610 |
| Net loans and leases to total assets | 54.4371% | 3,949 |
| Net loans and leases to deposits | 63.2470% | 4,022 |
| Net loans and leases to core deposits | 73.9175% | 3,639 |
| Total domestic deposits to total assets | 86.0706% | 1,974 |
| Equity capital to assets | 11.2786% | 2,608 |
| Core capital (leverage) ratio | 11.3485% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5848% | 792 |
| Memoranda: |
| Average total assets | $445,815,000 | 1,625 |
| Average earning assets | $430,762,500 | 1,551 |
| Average equity | $49,735,500 | 1,674 |
| Average total loans | $243,828,000 | 1,906 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3474% | 753 |
| Cost of funding earning assets | 1.7558% | 165 |
| Net interest margin | 3.5917% | 3,159 |
| Noninterest income to average assets | 1.4297% | 462 |
| Noninterest expense to average assets | 2.5992% | 3,177 |
| Loan and lease loss provision to assets | 1.2525% | 71 |
| Net operating income to assets | 0.8182% | 3,499 |
| Return on assets (ROA) | 0.8182% | 3,589 |
| Pretax return on assets | 1.0626% | 3,293 |
| Return on Equity (ROE) | 7.3262% | 3,435 |
| Retained earnings to average equity (ytd only) | 4.8532% | 2,496 |
| Net charge-offs to loans | 1.7311% | 77 |
| Credit loss provision to net charge-offs | 120.7455% | 2,102 |
| Earnings coverage of net charge-offs (x) | 2.2319% | 3,442 |
| Efficiency ratio | 52.8897% | 4,530 |
| Assets per employee ($millions) | 9.6049% | 398 |
| Cash dividends to net income (ytd only)* | 33.7553% | 2,910 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5507% | 1,082 |
| Loan loss allowance to noncurrent loans | 671.2014% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 4,018 |
| Noncurrent loans to loans | 0.2310% | 3,619 |
| Net loans and leases to total assets | 53.4260% | 4,117 |
| Net loans and leases to deposits | 61.9484% | 4,191 |
| Net loans and leases to core deposits | 73.8293% | 3,734 |
| Total domestic deposits to total assets | 86.2427% | 1,960 |
| Equity capital to assets | 11.0367% | 2,958 |
| Core capital (leverage) ratio | 11.3102% | 2,239 |
| Tier 1 risk-based capital ratio | 19.3123% | 1,457 |
| Total risk-based capital ratio | 20.5656% | 1,419 |
| Memoranda: |
| Average total assets | $434,486,200 | 1,609 |
| Average earning assets | $421,528,600 | 1,539 |
| Average equity | $48,524,600 | 1,644 |
| Average total loans | $260,360,400 | 1,774 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5112% | 573 |
| Cost of funding earning assets | 1.7799% | 151 |
| Net interest margin | 3.7313% | 2,818 |
| Noninterest income to average assets | 1.3617% | 497 |
| Noninterest expense to average assets | 2.4776% | 3,499 |
| Loan and lease loss provision to assets | 1.1968% | 75 |
| Net operating income to assets | 1.0874% | 2,625 |
| Return on assets (ROA) | 1.0874% | 2,714 |
| Pretax return on assets | 1.3124% | 2,623 |
| Return on Equity (ROE) | 9.7065% | 2,567 |
| Retained earnings to average equity (ytd only) | 6.3871% | 2,176 |
| Net charge-offs to loans | 1.5134% | 82 |
| Credit loss provision to net charge-offs | 128.7763% | 1,838 |
| Earnings coverage of net charge-offs (x) | 2.6999% | 3,173 |
| Efficiency ratio | 49.6831% | 4,764 |
| Assets per employee ($millions) | 9.7376% | 378 |
| Cash dividends to net income (ytd only)* | 34.1978% | 2,417 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4092% | 1,539 |
| Loan loss allowance to noncurrent loans | 650.4363% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,084 |
| Noncurrent loans to loans | 0.2167% | 3,765 |
| Net loans and leases to total assets | 58.2119% | 3,863 |
| Net loans and leases to deposits | 67.2645% | 3,971 |
| Net loans and leases to core deposits | 81.9043% | 3,256 |
| Total domestic deposits to total assets | 86.5418% | 1,746 |
| Equity capital to assets | 11.1127% | 2,997 |
| Core capital (leverage) ratio | 11.4987% | 2,220 |
| Tier 1 risk-based capital ratio | 18.0255% | 1,807 |
| Total risk-based capital ratio | 19.2770% | 1,759 |
| Memoranda: |
| Average total assets | $430,249,750 | 1,638 |
| Average earning assets | $417,999,000 | 1,562 |
| Average equity | $48,200,000 | 1,651 |
| Average total loans | $264,205,250 | 1,765 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4724% | 594 |
| Cost of funding earning assets | 1.7734% | 141 |
| Net interest margin | 3.6990% | 2,932 |
| Noninterest income to average assets | 1.2885% | 524 |
| Noninterest expense to average assets | 2.4225% | 3,678 |
| Loan and lease loss provision to assets | 1.4384% | 57 |
| Net operating income to assets | 0.7833% | 3,714 |
| Return on assets (ROA) | 0.7833% | 3,775 |
| Pretax return on assets | 1.0218% | 3,467 |
| Return on Equity (ROE) | 6.9723% | 3,691 |
| Retained earnings to average equity (ytd only) | 1.9381% | 4,134 |
| Net charge-offs to loans | 2.1619% | 46 |
| Credit loss provision to net charge-offs | 106.9002% | 1,873 |
| Earnings coverage of net charge-offs (x) | 1.8284% | 2,987 |
| Efficiency ratio | 49.6139% | 4,804 |
| Assets per employee ($millions) | 9.2408% | 423 |
| Cash dividends to net income (ytd only)* | 72.2022% | 1,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1182% | 2,979 |
| Loan loss allowance to noncurrent loans | 750.2451% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 4,276 |
| Noncurrent loans to loans | 0.1490% | 4,016 |
| Net loans and leases to total assets | 63.6791% | 3,372 |
| Net loans and leases to deposits | 73.6917% | 3,546 |
| Net loans and leases to core deposits | 87.9784% | 2,797 |
| Total domestic deposits to total assets | 86.4128% | 1,849 |
| Equity capital to assets | 11.2754% | 2,798 |
| Core capital (leverage) ratio | 11.3935% | 2,252 |
| Tier 1 risk-based capital ratio | 16.9432% | 2,107 |
| Total risk-based capital ratio | 18.0551% | 2,084 |
| Memoranda: |
| Average total assets | $424,356,670 | 1,662 |
| Average earning assets | $412,326,000 | 1,587 |
| Average equity | $47,674,330 | 1,660 |
| Average total loans | $264,115,330 | 1,772 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3477% | 696 |
| Cost of funding earning assets | 1.7541% | 129 |
| Net interest margin | 3.5936% | 3,272 |
| Noninterest income to average assets | 1.3887% | 445 |
| Noninterest expense to average assets | 2.3000% | 4,023 |
| Loan and lease loss provision to assets | 1.0057% | 84 |
| Net operating income to assets | 1.2849% | 1,756 |
| Return on assets (ROA) | 1.2849% | 1,797 |
| Pretax return on assets | 1.5736% | 1,537 |
| Return on Equity (ROE) | 11.4581% | 1,758 |
| Retained earnings to average equity (ytd only) | 1.3629% | 4,239 |
| Net charge-offs to loans | 1.4177% | 89 |
| Credit loss provision to net charge-offs | 115.9956% | 1,446 |
| Earnings coverage of net charge-offs (x) | 2.9750% | 2,442 |
| Efficiency ratio | 47.1384% | 4,979 |
| Assets per employee ($millions) | 9.1376% | 451 |
| Cash dividends to net income (ytd only)* | 88.1057% | 774 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1255% | 2,988 |
| Loan loss allowance to noncurrent loans | 420.5307% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 3,983 |
| Noncurrent loans to loans | 0.2676% | 3,602 |
| Net loans and leases to total assets | 61.5911% | 3,541 |
| Net loans and leases to deposits | 71.4044% | 3,652 |
| Net loans and leases to core deposits | 86.2626% | 2,848 |
| Total domestic deposits to total assets | 86.2567% | 2,161 |
| Equity capital to assets | 11.0902% | 2,758 |
| Core capital (leverage) ratio | 11.4103% | 2,204 |
| Tier 1 risk-based capital ratio | 17.1629% | 2,060 |
| Total risk-based capital ratio | 18.2781% | 2,045 |
| Memoranda: |
| Average total assets | $423,996,500 | 1,666 |
| Average earning assets | $411,838,500 | 1,588 |
| Average equity | $47,547,000 | 1,653 |
| Average total loans | $259,300,000 | 1,810 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2245% | 667 |
| Cost of funding earning assets | 1.3298% | 196 |
| Net interest margin | 3.8947% | 2,343 |
| Noninterest income to average assets | 2.2244% | 233 |
| Noninterest expense to average assets | 3.1735% | 1,620 |
| Loan and lease loss provision to assets | 0.5425% | 209 |
| Net operating income to assets | 1.7315% | 637 |
| Return on assets (ROA) | 1.7315% | 639 |
| Pretax return on assets | 2.2781% | 306 |
| Return on Equity (ROE) | 13.8173% | 1,088 |
| Retained earnings to average equity (ytd only) | 11.2065% | 403 |
| Net charge-offs to loans | 0.7451% | 211 |
| Credit loss provision to net charge-offs | 114.7636% | 2,262 |
| Earnings coverage of net charge-offs (x) | 5.9666% | 3,138 |
| Efficiency ratio | 52.9428% | 4,719 |
| Assets per employee ($millions) | 9.0897% | 452 |
| Cash dividends to net income (ytd only)* | 18.8947% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1407% | 2,875 |
| Loan loss allowance to noncurrent loans | 154.8108% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 2,800 |
| Noncurrent loans to loans | 0.7368% | 2,151 |
| Net loans and leases to total assets | 59.3629% | 3,833 |
| Net loans and leases to deposits | 68.6730% | 3,930 |
| Net loans and leases to core deposits | 82.1684% | 3,248 |
| Total domestic deposits to total assets | 86.4428% | 2,039 |
| Equity capital to assets | 11.4825% | 2,261 |
| Core capital (leverage) ratio | 12.3931% | 1,517 |
| Tier 1 risk-based capital ratio | 18.2905% | 1,669 |
| Total risk-based capital ratio | 19.4131% | 1,659 |
| Memoranda: |
| Average total assets | $366,790,200 | 1,845 |
| Average earning assets | $355,022,200 | 1,788 |
| Average equity | $45,964,200 | 1,636 |
| Average total loans | $232,719,000 | 1,928 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2002% | 625 |
| Cost of funding earning assets | 1.2293% | 222 |
| Net interest margin | 3.9709% | 2,049 |
| Noninterest income to average assets | 2.2616% | 232 |
| Noninterest expense to average assets | 3.0994% | 1,769 |
| Loan and lease loss provision to assets | 0.5914% | 173 |
| Net operating income to assets | 1.8495% | 550 |
| Return on assets (ROA) | 1.8495% | 546 |
| Pretax return on assets | 2.4145% | 275 |
| Return on Equity (ROE) | 14.4029% | 1,010 |
| Retained earnings to average equity (ytd only) | 10.8829% | 674 |
| Net charge-offs to loans | 0.9456% | 149 |
| Credit loss provision to net charge-offs | 97.0334% | 2,336 |
| Earnings coverage of net charge-offs (x) | 4.9320% | 3,007 |
| Efficiency ratio | 50.7651% | 4,900 |
| Assets per employee ($millions) | 8.1549% | 615 |
| Cash dividends to net income (ytd only)* | 24.4399% | 2,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0642% | 3,387 |
| Loan loss allowance to noncurrent loans | 91.1681% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 1,687 |
| Noncurrent loans to loans | 1.1673% | 1,447 |
| Net loans and leases to total assets | 63.4442% | 3,492 |
| Net loans and leases to deposits | 74.1937% | 3,577 |
| Net loans and leases to core deposits | 88.5962% | 2,787 |
| Total domestic deposits to total assets | 85.5115% | 2,392 |
| Equity capital to assets | 12.4367% | 1,633 |
| Core capital (leverage) ratio | 12.7555% | 1,390 |
| Tier 1 risk-based capital ratio | 18.5405% | 1,649 |
| Total risk-based capital ratio | 19.5890% | 1,663 |
| Memoranda: |
| Average total assets | $353,956,500 | 1,914 |
| Average earning assets | $342,617,500 | 1,845 |
| Average equity | $45,452,500 | 1,655 |
| Average total loans | $228,130,000 | 1,964 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1394% | 617 |
| Cost of funding earning assets | 1.1201% | 266 |
| Net interest margin | 4.0193% | 1,794 |
| Noninterest income to average assets | 2.4387% | 214 |
| Noninterest expense to average assets | 3.0037% | 2,030 |
| Loan and lease loss provision to assets | 0.3286% | 412 |
| Net operating income to assets | 2.2122% | 251 |
| Return on assets (ROA) | 2.2122% | 242 |
| Pretax return on assets | 2.9957% | 114 |
| Return on Equity (ROE) | 17.0335% | 519 |
| Retained earnings to average equity (ytd only) | 11.7064% | 560 |
| Net charge-offs to loans | 0.0839% | 1,493 |
| Credit loss provision to net charge-offs | 606.3830% | 613 |
| Earnings coverage of net charge-offs (x) | 61.3404% | 984 |
| Efficiency ratio | 47.4672% | 5,142 |
| Assets per employee ($millions) | 8.0870% | 610 |
| Cash dividends to net income (ytd only)* | 31.2744% | 2,525 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3250% | 2,054 |
| Loan loss allowance to noncurrent loans | 166.3430% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 2,230 |
| Noncurrent loans to loans | 0.7965% | 2,141 |
| Net loans and leases to total assets | 66.0484% | 3,143 |
| Net loans and leases to deposits | 77.9268% | 3,172 |
| Net loans and leases to core deposits | 92.3670% | 2,372 |
| Total domestic deposits to total assets | 84.7570% | 2,770 |
| Equity capital to assets | 13.1271% | 1,247 |
| Core capital (leverage) ratio | 13.5182% | 1,057 |
| Tier 1 risk-based capital ratio | 19.1361% | 1,522 |
| Total risk-based capital ratio | 20.3871% | 1,484 |
| Memoranda: |
| Average total assets | $346,900,330 | 1,948 |
| Average earning assets | $335,681,000 | 1,887 |
| Average equity | $45,052,330 | 1,671 |
| Average total loans | $223,988,330 | 1,997 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0437% | 639 |
| Cost of funding earning assets | 1.0314% | 322 |
| Net interest margin | 4.0122% | 1,692 |
| Noninterest income to average assets | 2.4047% | 209 |
| Noninterest expense to average assets | 3.0882% | 1,858 |
| Loan and lease loss provision to assets | 0.5195% | 200 |
| Net operating income to assets | 1.9118% | 442 |
| Return on assets (ROA) | 1.9118% | 442 |
| Pretax return on assets | 2.6726% | 164 |
| Return on Equity (ROE) | 14.8007% | 837 |
| Retained earnings to average equity (ytd only) | 14.8007% | 340 |
| Net charge-offs to loans | 0.7013% | 213 |
| Credit loss provision to net charge-offs | 116.8831% | 1,405 |
| Earnings coverage of net charge-offs (x) | 7.1818% | 2,110 |
| Efficiency ratio | 49.1728% | 5,127 |
| Assets per employee ($millions) | 8.0074% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1898% | 2,870 |
| Loan loss allowance to noncurrent loans | 136.9877% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 2,623 |
| Noncurrent loans to loans | 0.8685% | 2,083 |
| Net loans and leases to total assets | 64.4973% | 3,242 |
| Net loans and leases to deposits | 76.0355% | 3,207 |
| Net loans and leases to core deposits | 86.2659% | 2,781 |
| Total domestic deposits to total assets | 84.8252% | 3,000 |
| Equity capital to assets | 13.1445% | 1,175 |
| Core capital (leverage) ratio | 13.4379% | 1,025 |
| Tier 1 risk-based capital ratio | 19.1157% | 1,527 |
| Total risk-based capital ratio | 20.2591% | 1,511 |
| Memoranda: |
| Average total assets | $346,481,000 | 1,965 |
| Average earning assets | $334,676,500 | 1,904 |
| Average equity | $44,754,500 | 1,685 |
| Average total loans | $219,602,500 | 2,044 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6785% | 1,248 |
| Cost of funding earning assets | 0.8708% | 438 |
| Net interest margin | 3.8077% | 2,397 |
| Noninterest income to average assets | 3.3685% | 152 |
| Noninterest expense to average assets | 3.2610% | 1,457 |
| Loan and lease loss provision to assets | 1.0494% | 92 |
| Net operating income to assets | 2.0569% | 250 |
| Return on assets (ROA) | 2.0569% | 258 |
| Pretax return on assets | 2.7354% | 127 |
| Return on Equity (ROE) | 16.0612% | 475 |
| Retained earnings to average equity (ytd only) | 14.0235% | 106 |
| Net charge-offs to loans | 1.2969% | 126 |
| Credit loss provision to net charge-offs | 125.0185% | 2,091 |
| Earnings coverage of net charge-offs (x) | 4.5089% | 3,455 |
| Efficiency ratio | 46.2831% | 5,388 |
| Assets per employee ($millions) | 8.3010% | 573 |
| Cash dividends to net income (ytd only)* | 12.6869% | 3,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2161% | 2,682 |
| Loan loss allowance to noncurrent loans | 131.5179% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 2,645 |
| Noncurrent loans to loans | 0.9247% | 1,931 |
| Net loans and leases to total assets | 60.7632% | 3,759 |
| Net loans and leases to deposits | 71.3063% | 3,759 |
| Net loans and leases to core deposits | 79.9172% | 3,424 |
| Total domestic deposits to total assets | 85.2143% | 2,751 |
| Equity capital to assets | 12.6921% | 1,413 |
| Core capital (leverage) ratio | 12.9713% | 1,154 |
| Tier 1 risk-based capital ratio | 19.9575% | 1,332 |
| Total risk-based capital ratio | 21.1694% | 1,303 |
| Memoranda: |
| Average total assets | $321,895,000 | 2,055 |
| Average earning assets | $310,867,000 | 1,988 |
| Average equity | $41,223,600 | 1,807 |
| Average total loans | $208,346,200 | 2,093 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6277% | 1,298 |
| Cost of funding earning assets | 0.8408% | 472 |
| Net interest margin | 3.7869% | 2,448 |
| Noninterest income to average assets | 3.3903% | 160 |
| Noninterest expense to average assets | 3.0464% | 1,970 |
| Loan and lease loss provision to assets | 0.5406% | 208 |
| Net operating income to assets | 2.2990% | 179 |
| Return on assets (ROA) | 2.2990% | 178 |
| Pretax return on assets | 3.4613% | 87 |
| Return on Equity (ROE) | 17.9072% | 339 |
| Retained earnings to average equity (ytd only) | 15.1395% | 115 |
| Net charge-offs to loans | 0.7162% | 265 |
| Credit loss provision to net charge-offs | 115.0315% | 2,078 |
| Earnings coverage of net charge-offs (x) | 8.5157% | 2,772 |
| Efficiency ratio | 43.2215% | 5,508 |
| Assets per employee ($millions) | 8.1550% | 598 |
| Cash dividends to net income (ytd only)* | 15.4553% | 3,310 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9557% | 4,297 |
| Loan loss allowance to noncurrent loans | 118.9235% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 2,947 |
| Noncurrent loans to loans | 0.8036% | 2,350 |
| Net loans and leases to total assets | 65.0627% | 3,234 |
| Net loans and leases to deposits | 77.5580% | 3,219 |
| Net loans and leases to core deposits | 85.3333% | 3,026 |
| Total domestic deposits to total assets | 83.8890% | 3,159 |
| Equity capital to assets | 12.8809% | 1,449 |
| Core capital (leverage) ratio | 13.1332% | 1,156 |
| Tier 1 risk-based capital ratio | 19.0059% | 1,582 |
| Total risk-based capital ratio | 19.9648% | 1,621 |
| Memoranda: |
| Average total assets | $315,208,250 | 2,102 |
| Average earning assets | $304,476,750 | 2,032 |
| Average equity | $40,467,000 | 1,851 |
| Average total loans | $206,819,250 | 2,114 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5592% | 1,359 |
| Cost of funding earning assets | 0.8094% | 503 |
| Net interest margin | 3.7498% | 2,469 |
| Noninterest income to average assets | 3.8274% | 151 |
| Noninterest expense to average assets | 3.0088% | 2,085 |
| Loan and lease loss provision to assets | 0.7208% | 151 |
| Net operating income to assets | 2.1540% | 233 |
| Return on assets (ROA) | 2.1540% | 240 |
| Pretax return on assets | 3.7102% | 81 |
| Return on Equity (ROE) | 16.7980% | 431 |
| Retained earnings to average equity (ytd only) | 12.5556% | 277 |
| Net charge-offs to loans | 0.8877% | 220 |
| Credit loss provision to net charge-offs | 123.8042% | 1,746 |
| Earnings coverage of net charge-offs (x) | 7.6107% | 2,588 |
| Efficiency ratio | 40.4422% | 5,619 |
| Assets per employee ($millions) | 7.7655% | 676 |
| Cash dividends to net income (ytd only)* | 25.2556% | 2,922 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0164% | 4,047 |
| Loan loss allowance to noncurrent loans | 124.6949% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 3,007 |
| Noncurrent loans to loans | 0.8151% | 2,368 |
| Net loans and leases to total assets | 64.0767% | 3,375 |
| Net loans and leases to deposits | 76.0720% | 3,338 |
| Net loans and leases to core deposits | 83.5200% | 3,121 |
| Total domestic deposits to total assets | 84.2316% | 3,112 |
| Equity capital to assets | 12.5579% | 1,591 |
| Core capital (leverage) ratio | 12.9592% | 1,190 |
| Tier 1 risk-based capital ratio | 18.5435% | 1,705 |
| Total risk-based capital ratio | 19.5447% | 1,733 |
| Memoranda: |
| Average total assets | $308,825,670 | 2,139 |
| Average earning assets | $297,505,670 | 2,076 |
| Average equity | $39,600,000 | 1,887 |
| Average total loans | $202,545,670 | 2,147 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5729% | 1,204 |
| Cost of funding earning assets | 0.7688% | 584 |
| Net interest margin | 3.8040% | 2,102 |
| Noninterest income to average assets | 4.5882% | 130 |
| Noninterest expense to average assets | 3.0277% | 2,085 |
| Loan and lease loss provision to assets | 1.2700% | 63 |
| Net operating income to assets | 2.3201% | 190 |
| Return on assets (ROA) | 2.3201% | 192 |
| Pretax return on assets | 3.9565% | 83 |
| Return on Equity (ROE) | 17.8927% | 348 |
| Retained earnings to average equity (ytd only) | 9.2598% | 995 |
| Net charge-offs to loans | 1.9511% | 81 |
| Credit loss provision to net charge-offs | 98.5522% | 1,633 |
| Earnings coverage of net charge-offs (x) | 4.0558% | 2,422 |
| Efficiency ratio | 36.6807% | 5,742 |
| Assets per employee ($millions) | 6.9825% | 963 |
| Cash dividends to net income (ytd only)* | 48.2481% | 1,740 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9520% | 4,541 |
| Loan loss allowance to noncurrent loans | 106.9119% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 2,852 |
| Noncurrent loans to loans | 0.8904% | 2,243 |
| Net loans and leases to total assets | 66.4631% | 2,903 |
| Net loans and leases to deposits | 80.2259% | 2,720 |
| Net loans and leases to core deposits | 87.8187% | 2,563 |
| Total domestic deposits to total assets | 82.8448% | 3,905 |
| Equity capital to assets | 13.1128% | 1,214 |
| Core capital (leverage) ratio | 13.2289% | 1,062 |
| Tier 1 risk-based capital ratio | 18.1230% | 1,826 |
| Total risk-based capital ratio | 19.0381% | 1,892 |
| Memoranda: |
| Average total assets | $300,162,000 | 2,209 |
| Average earning assets | $289,272,500 | 2,136 |
| Average equity | $38,921,000 | 1,924 |
| Average total loans | $198,251,500 | 2,197 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2993% | 2,138 |
| Cost of funding earning assets | 0.8056% | 489 |
| Net interest margin | 3.4938% | 3,455 |
| Noninterest income to average assets | 3.9142% | 149 |
| Noninterest expense to average assets | 3.3315% | 1,512 |
| Loan and lease loss provision to assets | 0.2876% | 671 |
| Net operating income to assets | 2.1572% | 242 |
| Return on assets (ROA) | 2.1572% | 252 |
| Pretax return on assets | 3.6816% | 79 |
| Return on Equity (ROE) | 17.0320% | 399 |
| Retained earnings to average equity (ytd only) | 14.6769% | 116 |
| Net charge-offs to loans | 0.4369% | 585 |
| Credit loss provision to net charge-offs | 100.4963% | 2,549 |
| Earnings coverage of net charge-offs (x) | 13.8685% | 2,337 |
| Efficiency ratio | 45.6274% | 5,650 |
| Assets per employee ($millions) | 6.8199% | 997 |
| Cash dividends to net income (ytd only)* | 13.8272% | 3,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9906% | 4,393 |
| Loan loss allowance to noncurrent loans | 99.6904% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 2,790 |
| Noncurrent loans to loans | 0.9937% | 2,106 |
| Net loans and leases to total assets | 64.3500% | 3,312 |
| Net loans and leases to deposits | 76.7976% | 3,226 |
| Net loans and leases to core deposits | 81.0469% | 3,307 |
| Total domestic deposits to total assets | 83.7918% | 3,503 |
| Equity capital to assets | 12.8204% | 1,338 |
| Core capital (leverage) ratio | 13.4111% | 998 |
| Tier 1 risk-based capital ratio | 18.4523% | 1,740 |
| Total risk-based capital ratio | 19.4098% | 1,775 |
| Memoranda: |
| Average total assets | $281,616,000 | 2,277 |
| Average earning assets | $272,971,800 | 2,190 |
| Average equity | $35,668,200 | 2,045 |
| Average total loans | $184,497,200 | 2,269 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2991% | 2,167 |
| Cost of funding earning assets | 0.8156% | 460 |
| Net interest margin | 3.4835% | 3,534 |
| Noninterest income to average assets | 3.7000% | 160 |
| Noninterest expense to average assets | 3.1932% | 1,794 |
| Loan and lease loss provision to assets | 0.3369% | 484 |
| Net operating income to assets | 2.0707% | 306 |
| Return on assets (ROA) | 2.0707% | 320 |
| Pretax return on assets | 3.5518% | 89 |
| Return on Equity (ROE) | 16.4038% | 501 |
| Retained earnings to average equity (ytd only) | 13.2008% | 213 |
| Net charge-offs to loans | 0.4003% | 538 |
| Credit loss provision to net charge-offs | 128.2051% | 1,991 |
| Earnings coverage of net charge-offs (x) | 14.7967% | 2,220 |
| Efficiency ratio | 45.0826% | 5,706 |
| Assets per employee ($millions) | 7.1053% | 855 |
| Cash dividends to net income (ytd only)* | 19.5258% | 3,257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1126% | 3,768 |
| Loan loss allowance to noncurrent loans | 67.2586% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 1,880 |
| Noncurrent loans to loans | 1.6542% | 1,291 |
| Net loans and leases to total assets | 65.1423% | 3,252 |
| Net loans and leases to deposits | 77.7180% | 3,217 |
| Net loans and leases to core deposits | 83.5434% | 3,173 |
| Total domestic deposits to total assets | 83.8188% | 3,265 |
| Equity capital to assets | 12.9132% | 1,534 |
| Core capital (leverage) ratio | 12.7752% | 1,280 |
| Tier 1 risk-based capital ratio | 18.6905% | 1,741 |
| Total risk-based capital ratio | 19.7799% | 1,744 |
| Memoranda: |
| Average total assets | $277,000,250 | 2,312 |
| Average earning assets | $268,920,750 | 2,224 |
| Average equity | $34,966,750 | 2,091 |
| Average total loans | $181,863,750 | 2,293 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3979% | 1,835 |
| Cost of funding earning assets | 0.7992% | 498 |
| Net interest margin | 3.5987% | 3,104 |
| Noninterest income to average assets | 4.0656% | 151 |
| Noninterest expense to average assets | 3.1807% | 1,861 |
| Loan and lease loss provision to assets | 0.0401% | 3,355 |
| Net operating income to assets | 2.5324% | 146 |
| Return on assets (ROA) | 2.5324% | 146 |
| Pretax return on assets | 4.3409% | 60 |
| Return on Equity (ROE) | 20.2212% | 233 |
| Retained earnings to average equity (ytd only) | 15.3360% | 137 |
| Net charge-offs to loans | -0.1377% | 5,719 |
| Credit loss provision to net charge-offs | -44.3548% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0536% | 5,863 |
| Assets per employee ($millions) | 6.9881% | 878 |
| Cash dividends to net income (ytd only)* | 24.1588% | 3,057 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1357% | 3,744 |
| Loan loss allowance to noncurrent loans | 93.5226% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 2,633 |
| Noncurrent loans to loans | 1.2143% | 1,893 |
| Net loans and leases to total assets | 64.0502% | 3,353 |
| Net loans and leases to deposits | 76.2776% | 3,350 |
| Net loans and leases to core deposits | 84.3484% | 3,051 |
| Total domestic deposits to total assets | 83.9699% | 3,277 |
| Equity capital to assets | 12.5213% | 1,755 |
| Core capital (leverage) ratio | 12.9467% | 1,169 |
| Tier 1 risk-based capital ratio | 18.0043% | 1,931 |
| Total risk-based capital ratio | 19.0909% | 1,934 |
| Memoranda: |
| Average total assets | $274,597,000 | 2,334 |
| Average earning assets | $266,760,670 | 2,253 |
| Average equity | $34,389,670 | 2,126 |
| Average total loans | $180,076,330 | 2,313 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2393% | 2,333 |
| Cost of funding earning assets | 0.7922% | 506 |
| Net interest margin | 3.4471% | 3,679 |
| Noninterest income to average assets | 4.1334% | 146 |
| Noninterest expense to average assets | 2.8812% | 2,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.6206% | 132 |
| Return on assets (ROA) | 2.6206% | 136 |
| Pretax return on assets | 4.6084% | 59 |
| Return on Equity (ROE) | 20.9231% | 194 |
| Retained earnings to average equity (ytd only) | 10.9371% | 661 |
| Net charge-offs to loans | -0.0496% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4493% | 5,996 |
| Assets per employee ($millions) | 7.6477% | 658 |
| Cash dividends to net income (ytd only)* | 47.7273% | 1,828 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0620% | 4,272 |
| Loan loss allowance to noncurrent loans | 71.1160% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 2,218 |
| Noncurrent loans to loans | 1.4933% | 1,576 |
| Net loans and leases to total assets | 65.9853% | 2,948 |
| Net loans and leases to deposits | 78.9699% | 2,896 |
| Net loans and leases to core deposits | 88.0273% | 2,559 |
| Total domestic deposits to total assets | 83.5574% | 3,690 |
| Equity capital to assets | 12.4072% | 1,743 |
| Core capital (leverage) ratio | 12.8950% | 1,198 |
| Tier 1 risk-based capital ratio | 17.5142% | 2,116 |
| Total risk-based capital ratio | 18.5443% | 2,151 |
| Memoranda: |
| Average total assets | $268,640,000 | 2,399 |
| Average earning assets | $261,551,000 | 2,292 |
| Average equity | $33,647,000 | 2,172 |
| Average total loans | $177,305,000 | 2,344 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6333% | 1,252 |
| Cost of funding earning assets | 0.7874% | 533 |
| Net interest margin | 3.8459% | 2,215 |
| Noninterest income to average assets | 5.0075% | 123 |
| Noninterest expense to average assets | 3.7265% | 947 |
| Loan and lease loss provision to assets | 0.1952% | 1,116 |
| Net operating income to assets | 2.7446% | 113 |
| Return on assets (ROA) | 2.7446% | 113 |
| Pretax return on assets | 4.7693% | 55 |
| Return on Equity (ROE) | 20.8324% | 208 |
| Retained earnings to average equity (ytd only) | 18.0609% | 76 |
| Net charge-offs to loans | 0.2722% | 1,117 |
| Credit loss provision to net charge-offs | 102.9817% | 2,435 |
| Earnings coverage of net charge-offs (x) | 26.1950% | 1,596 |
| Efficiency ratio | 42.8579% | 6,006 |
| Assets per employee ($millions) | 7.0801% | 863 |
| Cash dividends to net income (ytd only)* | 13.3038% | 4,005 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1275% | 3,883 |
| Loan loss allowance to noncurrent loans | 117.5610% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 3,188 |
| Noncurrent loans to loans | 0.9591% | 2,409 |
| Net loans and leases to total assets | 64.5371% | 3,196 |
| Net loans and leases to deposits | 77.0722% | 3,152 |
| Net loans and leases to core deposits | 84.0441% | 2,960 |
| Total domestic deposits to total assets | 83.7359% | 3,579 |
| Equity capital to assets | 12.6487% | 1,533 |
| Core capital (leverage) ratio | 13.1604% | 1,090 |
| Tier 1 risk-based capital ratio | 18.0987% | 1,936 |
| Total risk-based capital ratio | 19.1774% | 1,940 |
| Memoranda: |
| Average total assets | $230,054,000 | 2,665 |
| Average earning assets | $220,338,600 | 2,584 |
| Average equity | $30,308,600 | 2,301 |
| Average total loans | $160,198,400 | 2,466 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7370% | 1,038 |
| Cost of funding earning assets | 0.7789% | 566 |
| Net interest margin | 3.9581% | 1,847 |
| Noninterest income to average assets | 5.3470% | 120 |
| Noninterest expense to average assets | 3.4222% | 1,430 |
| Loan and lease loss provision to assets | 0.1885% | 1,083 |
| Net operating income to assets | 3.1400% | 82 |
| Return on assets (ROA) | 3.1400% | 80 |
| Pretax return on assets | 5.5133% | 47 |
| Return on Equity (ROE) | 23.5564% | 149 |
| Retained earnings to average equity (ytd only) | 19.7730% | 68 |
| Net charge-offs to loans | 0.1608% | 1,536 |
| Credit loss provision to net charge-offs | 165.2632% | 1,560 |
| Earnings coverage of net charge-offs (x) | 49.9836% | 1,056 |
| Efficiency ratio | 37.4877% | 6,168 |
| Assets per employee ($millions) | 7.0442% | 852 |
| Cash dividends to net income (ytd only)* | 16.0612% | 3,375 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1678% | 3,828 |
| Loan loss allowance to noncurrent loans | 129.7074% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 3,410 |
| Noncurrent loans to loans | 0.9003% | 2,719 |
| Net loans and leases to total assets | 68.0489% | 2,669 |
| Net loans and leases to deposits | 81.3066% | 2,724 |
| Net loans and leases to core deposits | 84.9869% | 2,951 |
| Total domestic deposits to total assets | 83.6942% | 3,537 |
| Equity capital to assets | 12.6385% | 1,663 |
| Core capital (leverage) ratio | 13.6367% | 967 |
| Tier 1 risk-based capital ratio | 17.2810% | 2,264 |
| Total risk-based capital ratio | 18.4071% | 2,262 |
| Memoranda: |
| Average total assets | $222,076,500 | 2,757 |
| Average earning assets | $211,915,500 | 2,675 |
| Average equity | $29,602,000 | 2,359 |
| Average total loans | $157,500,000 | 2,511 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8618% | 789 |
| Cost of funding earning assets | 0.7837% | 546 |
| Net interest margin | 4.0781% | 1,418 |
| Noninterest income to average assets | 5.2758% | 124 |
| Noninterest expense to average assets | 3.4391% | 1,397 |
| Loan and lease loss provision to assets | -0.0388% | 6,010 |
| Net operating income to assets | 3.2113% | 83 |
| Return on assets (ROA) | 3.2113% | 85 |
| Pretax return on assets | 5.7372% | 51 |
| Return on Equity (ROE) | 23.6018% | 144 |
| Retained earnings to average equity (ytd only) | 17.7656% | 109 |
| Net charge-offs to loans | 0.0725% | 2,354 |
| Credit loss provision to net charge-offs | -74.5455% | 4,860 |
| Earnings coverage of net charge-offs (x) | 109.6000% | 566 |
| Efficiency ratio | 37.6164% | 6,244 |
| Assets per employee ($millions) | 7.3652% | 715 |
| Cash dividends to net income (ytd only)* | 24.7277% | 3,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1009% | 4,312 |
| Loan loss allowance to noncurrent loans | 166.4835% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 3,969 |
| Noncurrent loans to loans | 0.6613% | 3,497 |
| Net loans and leases to total assets | 73.9151% | 1,676 |
| Net loans and leases to deposits | 93.5668% | 1,195 |
| Net loans and leases to core deposits | 95.8884% | 1,813 |
| Total domestic deposits to total assets | 78.9971% | 5,095 |
| Equity capital to assets | 13.6747% | 1,098 |
| Core capital (leverage) ratio | 15.0097% | 612 |
| Tier 1 risk-based capital ratio | 16.5877% | 2,574 |
| Total risk-based capital ratio | 17.6120% | 2,640 |
| Memoranda: |
| Average total assets | $211,568,330 | 2,866 |
| Average earning assets | $200,337,330 | 2,814 |
| Average equity | $28,786,000 | 2,433 |
| Average total loans | $151,798,330 | 2,593 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6027% | 1,212 |
| Cost of funding earning assets | 0.7661% | 603 |
| Net interest margin | 3.8366% | 2,112 |
| Noninterest income to average assets | 5.1005% | 124 |
| Noninterest expense to average assets | 3.1825% | 2,027 |
| Loan and lease loss provision to assets | -0.1933% | 6,260 |
| Net operating income to assets | 3.2153% | 81 |
| Return on assets (ROA) | 3.2153% | 84 |
| Pretax return on assets | 5.7520% | 52 |
| Return on Equity (ROE) | 23.6890% | 136 |
| Retained earnings to average equity (ytd only) | 11.7234% | 608 |
| Net charge-offs to loans | 0.0910% | 1,810 |
| Credit loss provision to net charge-offs | -303.0303% | 4,716 |
| Earnings coverage of net charge-offs (x) | 87.1212% | 552 |
| Efficiency ratio | 36.3858% | 6,324 |
| Assets per employee ($millions) | 7.3250% | 733 |
| Cash dividends to net income (ytd only)* | 50.5111% | 1,712 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2240% | 3,816 |
| Loan loss allowance to noncurrent loans | 163.9963% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 3,979 |
| Noncurrent loans to loans | 0.7463% | 3,395 |
| Net loans and leases to total assets | 67.6615% | 2,504 |
| Net loans and leases to deposits | 83.8056% | 2,108 |
| Net loans and leases to core deposits | 85.6397% | 2,589 |
| Total domestic deposits to total assets | 80.7363% | 4,874 |
| Equity capital to assets | 13.4076% | 1,214 |
| Core capital (leverage) ratio | 14.1718% | 774 |
| Tier 1 risk-based capital ratio | 17.6428% | 2,255 |
| Total risk-based capital ratio | 18.7627% | 2,251 |
| Memoranda: |
| Average total assets | $206,883,500 | 2,942 |
| Average earning assets | $196,319,500 | 2,878 |
| Average equity | $28,080,500 | 2,498 |
| Average total loans | $145,129,000 | 2,690 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8701% | 973 |
| Cost of funding earning assets | 0.7874% | 694 |
| Net interest margin | 4.0827% | 1,639 |
| Noninterest income to average assets | 4.9605% | 130 |
| Noninterest expense to average assets | 3.7270% | 1,103 |
| Loan and lease loss provision to assets | -0.1474% | 6,228 |
| Net operating income to assets | 3.0072% | 90 |
| Return on assets (ROA) | 3.0072% | 90 |
| Pretax return on assets | 5.2526% | 50 |
| Return on Equity (ROE) | 23.1980% | 146 |
| Retained earnings to average equity (ytd only) | 20.7961% | 61 |
| Net charge-offs to loans | -0.0038% | 5,433 |
| Credit loss provision to net charge-offs | 5,680.0000% | 50 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1622% | 6,362 |
| Assets per employee ($millions) | 7.4571% | 674 |
| Cash dividends to net income (ytd only)* | 10.3538% | 4,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3223% | 3,306 |
| Loan loss allowance to noncurrent loans | 148.3721% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 3,657 |
| Noncurrent loans to loans | 0.8912% | 3,090 |
| Net loans and leases to total assets | 70.9405% | 2,086 |
| Net loans and leases to deposits | 87.0535% | 1,838 |
| Net loans and leases to core deposits | 89.4305% | 2,339 |
| Total domestic deposits to total assets | 81.4907% | 4,598 |
| Equity capital to assets | 13.7478% | 1,050 |
| Core capital (leverage) ratio | 13.9393% | 831 |
| Tier 1 risk-based capital ratio | 17.2481% | 2,401 |
| Total risk-based capital ratio | 18.4803% | 2,368 |
| Memoranda: |
| Average total assets | $192,703,200 | 3,074 |
| Average earning assets | $182,746,800 | 3,004 |
| Average equity | $24,980,600 | 2,663 |
| Average total loans | $130,416,600 | 2,858 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7606% | 1,176 |
| Cost of funding earning assets | 0.7886% | 727 |
| Net interest margin | 3.9719% | 1,959 |
| Noninterest income to average assets | 4.9548% | 125 |
| Noninterest expense to average assets | 3.4273% | 1,595 |
| Loan and lease loss provision to assets | -0.1987% | 6,385 |
| Net operating income to assets | 3.1733% | 88 |
| Return on assets (ROA) | 3.1733% | 87 |
| Pretax return on assets | 5.4901% | 54 |
| Return on Equity (ROE) | 24.8769% | 107 |
| Retained earnings to average equity (ytd only) | 21.5856% | 56 |
| Net charge-offs to loans | -0.1924% | 6,301 |
| Credit loss provision to net charge-offs | 155.1913% | 1,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2777% | 6,469 |
| Assets per employee ($millions) | 7.2533% | 714 |
| Cash dividends to net income (ytd only)* | 13.2304% | 3,447 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5561% | 2,479 |
| Loan loss allowance to noncurrent loans | 128.5627% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 3,341 |
| Noncurrent loans to loans | 1.2104% | 2,622 |
| Net loans and leases to total assets | 67.6122% | 2,598 |
| Net loans and leases to deposits | 82.2710% | 2,392 |
| Net loans and leases to core deposits | 84.0225% | 2,876 |
| Total domestic deposits to total assets | 82.1823% | 4,419 |
| Equity capital to assets | 13.4891% | 1,182 |
| Core capital (leverage) ratio | 13.8237% | 892 |
| Tier 1 risk-based capital ratio | 17.7142% | 2,310 |
| Total risk-based capital ratio | 18.9668% | 2,270 |
| Memoranda: |
| Average total assets | $190,543,500 | 3,125 |
| Average earning assets | $180,561,750 | 3,049 |
| Average equity | $24,305,750 | 2,735 |
| Average total loans | $126,834,000 | 2,936 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7078% | 1,268 |
| Cost of funding earning assets | 0.7910% | 752 |
| Net interest margin | 3.9168% | 2,090 |
| Noninterest income to average assets | 4.8215% | 127 |
| Noninterest expense to average assets | 3.3235% | 1,861 |
| Loan and lease loss provision to assets | -0.3009% | 6,529 |
| Net operating income to assets | 3.2144% | 82 |
| Return on assets (ROA) | 3.2144% | 84 |
| Pretax return on assets | 5.5028% | 55 |
| Return on Equity (ROE) | 25.7097% | 97 |
| Retained earnings to average equity (ytd only) | 20.6254% | 76 |
| Net charge-offs to loans | -0.3106% | 6,442 |
| Credit loss provision to net charge-offs | 147.1503% | 1,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9462% | 6,541 |
| Assets per employee ($millions) | 6.9082% | 836 |
| Cash dividends to net income (ytd only)* | 19.7759% | 3,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6503% | 2,292 |
| Loan loss allowance to noncurrent loans | 129.0184% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 3,447 |
| Noncurrent loans to loans | 1.2791% | 2,668 |
| Net loans and leases to total assets | 64.7933% | 2,947 |
| Net loans and leases to deposits | 79.2064% | 2,628 |
| Net loans and leases to core deposits | 81.7861% | 2,998 |
| Total domestic deposits to total assets | 81.8031% | 4,714 |
| Equity capital to assets | 12.8817% | 1,435 |
| Core capital (leverage) ratio | 12.9325% | 1,177 |
| Tier 1 risk-based capital ratio | 17.1809% | 2,545 |
| Total risk-based capital ratio | 18.4337% | 2,507 |
| Memoranda: |
| Average total assets | $188,778,330 | 3,165 |
| Average earning assets | $178,511,330 | 3,100 |
| Average equity | $23,602,000 | 2,790 |
| Average total loans | $124,277,330 | 2,986 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6739% | 1,316 |
| Cost of funding earning assets | 0.7907% | 782 |
| Net interest margin | 3.8832% | 2,142 |
| Noninterest income to average assets | 5.0458% | 114 |
| Noninterest expense to average assets | 3.5569% | 1,386 |
| Loan and lease loss provision to assets | -0.1802% | 6,553 |
| Net operating income to assets | 3.2737% | 87 |
| Return on assets (ROA) | 3.2737% | 89 |
| Pretax return on assets | 5.3461% | 59 |
| Return on Equity (ROE) | 26.6033% | 99 |
| Retained earnings to average equity (ytd only) | 16.1433% | 266 |
| Net charge-offs to loans | -0.3130% | 6,490 |
| Credit loss provision to net charge-offs | 87.5000% | 1,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7526% | 6,576 |
| Assets per employee ($millions) | 7.0577% | 788 |
| Cash dividends to net income (ytd only)* | 39.3185% | 2,016 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8016% | 2,034 |
| Loan loss allowance to noncurrent loans | 104.2533% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1104% | 3,036 |
| Noncurrent loans to loans | 1.7281% | 2,240 |
| Net loans and leases to total assets | 63.1008% | 3,056 |
| Net loans and leases to deposits | 76.6817% | 2,731 |
| Net loans and leases to core deposits | 79.2026% | 3,063 |
| Total domestic deposits to total assets | 82.2893% | 4,857 |
| Equity capital to assets | 12.2829% | 1,697 |
| Core capital (leverage) ratio | 12.7682% | 1,261 |
| Tier 1 risk-based capital ratio | 16.9254% | 2,727 |
| Total risk-based capital ratio | 18.1807% | 2,675 |
| Memoranda: |
| Average total assets | $186,453,000 | 3,214 |
| Average earning assets | $176,556,500 | 3,143 |
| Average equity | $22,944,500 | 2,854 |
| Average total loans | $122,700,000 | 3,014 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9921% | 930 |
| Cost of funding earning assets | 0.7899% | 1,272 |
| Net interest margin | 4.2022% | 1,346 |
| Noninterest income to average assets | 4.9901% | 134 |
| Noninterest expense to average assets | 3.6590% | 1,353 |
| Loan and lease loss provision to assets | 0.2245% | 1,624 |
| Net operating income to assets | 2.8433% | 121 |
| Return on assets (ROA) | 2.8433% | 122 |
| Pretax return on assets | 5.0647% | 53 |
| Return on Equity (ROE) | 23.6540% | 161 |
| Retained earnings to average equity (ytd only) | 20.7205% | 78 |
| Net charge-offs to loans | 0.5430% | 1,219 |
| Credit loss provision to net charge-offs | 61.6129% | 3,512 |
| Earnings coverage of net charge-offs (x) | 14.5161% | 1,937 |
| Efficiency ratio | 40.8380% | 6,676 |
| Assets per employee ($millions) | 6.7537% | 870 |
| Cash dividends to net income (ytd only)* | 12.4018% | 3,969 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7845% | 2,113 |
| Loan loss allowance to noncurrent loans | 90.6237% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 2,761 |
| Noncurrent loans to loans | 1.9691% | 2,026 |
| Net loans and leases to total assets | 66.2230% | 2,663 |
| Net loans and leases to deposits | 79.3838% | 2,540 |
| Net loans and leases to core deposits | 81.9108% | 2,903 |
| Total domestic deposits to total assets | 83.4214% | 4,389 |
| Equity capital to assets | 12.3297% | 1,608 |
| Core capital (leverage) ratio | 12.9095% | 1,171 |
| Tier 1 risk-based capital ratio | 16.2117% | 3,004 |
| Total risk-based capital ratio | 17.4662% | 2,955 |
| Memoranda: |
| Average total assets | $170,156,600 | 3,406 |
| Average earning assets | $160,274,600 | 3,335 |
| Average equity | $20,453,200 | 3,107 |
| Average total loans | $114,188,200 | 3,169 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1087% | 764 |
| Cost of funding earning assets | 0.7852% | 1,406 |
| Net interest margin | 4.3236% | 1,040 |
| Noninterest income to average assets | 5.3944% | 135 |
| Noninterest expense to average assets | 3.4005% | 1,823 |
| Loan and lease loss provision to assets | 0.1915% | 1,913 |
| Net operating income to assets | 3.3008% | 90 |
| Return on assets (ROA) | 3.3008% | 91 |
| Pretax return on assets | 5.8707% | 47 |
| Return on Equity (ROE) | 27.6543% | 90 |
| Retained earnings to average equity (ytd only) | 23.6435% | 56 |
| Net charge-offs to loans | 0.4226% | 1,513 |
| Credit loss provision to net charge-offs | 67.6056% | 3,112 |
| Earnings coverage of net charge-offs (x) | 21.4029% | 1,549 |
| Efficiency ratio | 35.8853% | 6,801 |
| Assets per employee ($millions) | 5.8113% | 1,370 |
| Cash dividends to net income (ytd only)* | 14.5033% | 3,305 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0403% | 1,633 |
| Loan loss allowance to noncurrent loans | 79.4582% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.7303% | 2,374 |
| Noncurrent loans to loans | 2.5678% | 1,671 |
| Net loans and leases to total assets | 66.0088% | 2,635 |
| Net loans and leases to deposits | 79.6483% | 2,461 |
| Net loans and leases to core deposits | 82.3767% | 2,837 |
| Total domestic deposits to total assets | 82.8754% | 4,628 |
| Equity capital to assets | 12.9236% | 1,362 |
| Core capital (leverage) ratio | 12.6562% | 1,348 |
| Tier 1 risk-based capital ratio | 17.1897% | 2,630 |
| Total risk-based capital ratio | 18.4473% | 2,594 |
| Memoranda: |
| Average total assets | $167,108,500 | 3,491 |
| Average earning assets | $157,243,000 | 3,420 |
| Average equity | $19,945,750 | 3,191 |
| Average total loans | $111,997,500 | 3,227 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1013% | 770 |
| Cost of funding earning assets | 0.7656% | 1,615 |
| Net interest margin | 4.3356% | 965 |
| Noninterest income to average assets | 5.7791% | 128 |
| Noninterest expense to average assets | 3.4483% | 1,722 |
| Loan and lease loss provision to assets | 0.1080% | 2,989 |
| Net operating income to assets | 3.6115% | 77 |
| Return on assets (ROA) | 3.6115% | 81 |
| Pretax return on assets | 6.2940% | 44 |
| Return on Equity (ROE) | 31.1260% | 65 |
| Retained earnings to average equity (ytd only) | 24.9194% | 53 |
| Net charge-offs to loans | 0.2314% | 2,339 |
| Credit loss provision to net charge-offs | 69.7674% | 2,834 |
| Earnings coverage of net charge-offs (x) | 41.3488% | 913 |
| Efficiency ratio | 34.9580% | 6,854 |
| Assets per employee ($millions) | 6.5441% | 883 |
| Cash dividends to net income (ytd only)* | 19.9402% | 3,000 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0695% | 1,703 |
| Loan loss allowance to noncurrent loans | 125.4717% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 3,577 |
| Noncurrent loans to loans | 1.6493% | 2,841 |
| Net loans and leases to total assets | 64.1168% | 2,892 |
| Net loans and leases to deposits | 76.8664% | 2,744 |
| Net loans and leases to core deposits | 78.5462% | 3,222 |
| Total domestic deposits to total assets | 83.4133% | 4,538 |
| Equity capital to assets | 11.6911% | 2,136 |
| Core capital (leverage) ratio | 12.2158% | 1,500 |
| Tier 1 risk-based capital ratio | 15.6647% | 3,390 |
| Total risk-based capital ratio | 16.9226% | 3,331 |
| Memoranda: |
| Average total assets | $166,635,000 | 3,515 |
| Average earning assets | $156,470,670 | 3,454 |
| Average equity | $19,334,330 | 3,290 |
| Average total loans | $111,476,330 | 3,237 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1112% | 729 |
| Cost of funding earning assets | 0.7655% | 1,745 |
| Net interest margin | 4.3457% | 887 |
| Noninterest income to average assets | 5.5938% | 127 |
| Noninterest expense to average assets | 3.2028% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.5766% | 76 |
| Return on assets (ROA) | 3.5766% | 82 |
| Pretax return on assets | 6.4799% | 48 |
| Return on Equity (ROE) | 30.9538% | 71 |
| Retained earnings to average equity (ytd only) | 18.1010% | 197 |
| Net charge-offs to loans | 0.0768% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 124.6667% | 308 |
| Efficiency ratio | 33.0266% | 6,942 |
| Assets per employee ($millions) | 6.1303% | 1,176 |
| Cash dividends to net income (ytd only)* | 41.5225% | 1,803 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1791% | 1,628 |
| Loan loss allowance to noncurrent loans | 122.8222% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 3,588 |
| Noncurrent loans to loans | 1.7742% | 2,903 |
| Net loans and leases to total assets | 65.3899% | 2,480 |
| Net loans and leases to deposits | 78.2328% | 2,306 |
| Net loans and leases to core deposits | 79.5853% | 2,855 |
| Total domestic deposits to total assets | 83.5837% | 4,635 |
| Equity capital to assets | 11.5359% | 2,379 |
| Core capital (leverage) ratio | 11.9717% | 1,583 |
| Tier 1 risk-based capital ratio | 15.3433% | 3,624 |
| Total risk-based capital ratio | 16.6028% | 3,576 |
| Memoranda: |
| Average total assets | $161,607,500 | 3,619 |
| Average earning assets | $152,059,000 | 3,558 |
| Average equity | $18,673,000 | 3,425 |
| Average total loans | $109,373,500 | 3,299 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5796% | 534 |
| Cost of funding earning assets | 0.8480% | 2,304 |
| Net interest margin | 4.7316% | 614 |
| Noninterest income to average assets | 4.5850% | 162 |
| Noninterest expense to average assets | 3.9983% | 978 |
| Loan and lease loss provision to assets | 0.5955% | 927 |
| Net operating income to assets | 2.4569% | 162 |
| Return on assets (ROA) | 2.4569% | 176 |
| Pretax return on assets | 4.4479% | 64 |
| Return on Equity (ROE) | 21.8800% | 225 |
| Retained earnings to average equity (ytd only) | 18.2724% | 78 |
| Net charge-offs to loans | 0.6979% | 1,696 |
| Credit loss provision to net charge-offs | 119.5122% | 2,401 |
| Earnings coverage of net charge-offs (x) | 10.1220% | 2,178 |
| Efficiency ratio | 44.1383% | 6,839 |
| Assets per employee ($millions) | 5.8406% | 1,401 |
| Cash dividends to net income (ytd only)* | 16.4880% | 3,871 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2497% | 1,459 |
| Loan loss allowance to noncurrent loans | 121.8437% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 3,534 |
| Noncurrent loans to loans | 1.8464% | 2,865 |
| Net loans and leases to total assets | 67.0095% | 2,361 |
| Net loans and leases to deposits | 79.2619% | 2,376 |
| Net loans and leases to core deposits | 80.6829% | 2,920 |
| Total domestic deposits to total assets | 84.5419% | 4,069 |
| Equity capital to assets | 11.5741% | 2,370 |
| Core capital (leverage) ratio | 11.8871% | 1,626 |
| Tier 1 risk-based capital ratio | 14.9926% | 3,725 |
| Total risk-based capital ratio | 16.2525% | 3,671 |
| Memoranda: |
| Average total assets | $148,113,600 | 3,806 |
| Average earning assets | $139,509,000 | 3,733 |
| Average equity | $16,631,600 | 3,683 |
| Average total loans | $105,750,200 | 3,378 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6070% | 551 |
| Cost of funding earning assets | 0.8661% | 2,423 |
| Net interest margin | 4.7409% | 617 |
| Noninterest income to average assets | 4.7735% | 149 |
| Noninterest expense to average assets | 3.9683% | 978 |
| Loan and lease loss provision to assets | 0.7704% | 631 |
| Net operating income to assets | 2.4842% | 177 |
| Return on assets (ROA) | 2.4842% | 192 |
| Pretax return on assets | 4.5072% | 69 |
| Return on Equity (ROE) | 22.3086% | 223 |
| Retained earnings to average equity (ytd only) | 17.3785% | 140 |
| Net charge-offs to loans | 0.7949% | 1,388 |
| Credit loss provision to net charge-offs | 134.2903% | 2,143 |
| Earnings coverage of net charge-offs (x) | 9.1993% | 2,356 |
| Efficiency ratio | 42.8402% | 6,935 |
| Assets per employee ($millions) | 5.3944% | 1,735 |
| Cash dividends to net income (ytd only)* | 22.0994% | 2,964 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2654% | 1,592 |
| Loan loss allowance to noncurrent loans | 135.5171% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.2681% | 3,758 |
| Noncurrent loans to loans | 1.6717% | 3,282 |
| Net loans and leases to total assets | 74.1407% | 1,229 |
| Net loans and leases to deposits | 87.7001% | 1,388 |
| Net loans and leases to core deposits | 89.7662% | 2,013 |
| Total domestic deposits to total assets | 84.5390% | 3,959 |
| Equity capital to assets | 11.8984% | 2,353 |
| Core capital (leverage) ratio | 11.5196% | 1,972 |
| Tier 1 risk-based capital ratio | 14.2075% | 4,379 |
| Total risk-based capital ratio | 15.4681% | 4,339 |
| Memoranda: |
| Average total assets | $145,717,750 | 3,887 |
| Average earning assets | $137,467,000 | 3,800 |
| Average equity | $16,226,500 | 3,784 |
| Average total loans | $105,161,750 | 3,425 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5308% | 676 |
| Cost of funding earning assets | 0.8676% | 2,674 |
| Net interest margin | 4.6632% | 725 |
| Noninterest income to average assets | 5.2765% | 131 |
| Noninterest expense to average assets | 4.2185% | 711 |
| Loan and lease loss provision to assets | 0.8810% | 537 |
| Net operating income to assets | 2.5099% | 173 |
| Return on assets (ROA) | 2.5099% | 198 |
| Pretax return on assets | 4.5657% | 68 |
| Return on Equity (ROE) | 23.0662% | 205 |
| Retained earnings to average equity (ytd only) | 15.4994% | 253 |
| Net charge-offs to loans | 0.9653% | 1,148 |
| Credit loss provision to net charge-offs | 128.6573% | 2,138 |
| Earnings coverage of net charge-offs (x) | 7.9539% | 2,386 |
| Efficiency ratio | 43.5610% | 6,969 |
| Assets per employee ($millions) | 5.4451% | 1,660 |
| Cash dividends to net income (ytd only)* | 32.8048% | 2,481 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3231% | 1,547 |
| Loan loss allowance to noncurrent loans | 121.7936% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 3,723 |
| Noncurrent loans to loans | 1.9074% | 3,064 |
| Net loans and leases to total assets | 69.5255% | 2,003 |
| Net loans and leases to deposits | 82.0681% | 2,099 |
| Net loans and leases to core deposits | 84.9971% | 2,562 |
| Total domestic deposits to total assets | 84.7168% | 3,992 |
| Equity capital to assets | 11.1857% | 2,908 |
| Core capital (leverage) ratio | 11.0664% | 2,238 |
| Tier 1 risk-based capital ratio | 13.9355% | 4,493 |
| Total risk-based capital ratio | 15.1966% | 4,458 |
| Memoranda: |
| Average total assets | $145,740,330 | 3,907 |
| Average earning assets | $137,159,330 | 3,830 |
| Average equity | $15,858,670 | 3,830 |
| Average total loans | $103,386,000 | 3,486 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7961% | 427 |
| Cost of funding earning assets | 0.8802% | 2,835 |
| Net interest margin | 4.9159% | 461 |
| Noninterest income to average assets | 3.7381% | 183 |
| Noninterest expense to average assets | 3.8952% | 1,072 |
| Loan and lease loss provision to assets | 0.9566% | 443 |
| Net operating income to assets | 1.9380% | 470 |
| Return on assets (ROA) | 1.9380% | 539 |
| Pretax return on assets | 3.5203% | 120 |
| Return on Equity (ROE) | 18.0656% | 539 |
| Retained earnings to average equity (ytd only) | 18.0656% | 247 |
| Net charge-offs to loans | 0.7902% | 1,299 |
| Credit loss provision to net charge-offs | 170.9360% | 1,494 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,011 |
| Efficiency ratio | 46.4274% | 6,875 |
| Assets per employee ($millions) | 5.7493% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2937% | 1,686 |
| Loan loss allowance to noncurrent loans | 94.6304% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.7193% | 3,283 |
| Noncurrent loans to loans | 2.4239% | 2,680 |
| Net loans and leases to total assets | 69.3038% | 1,884 |
| Net loans and leases to deposits | 80.5524% | 2,135 |
| Net loans and leases to core deposits | 83.3120% | 2,638 |
| Total domestic deposits to total assets | 86.0357% | 3,507 |
| Equity capital to assets | 10.6462% | 3,326 |
| Core capital (leverage) ratio | 10.9497% | 2,299 |
| Tier 1 risk-based capital ratio | 13.3391% | 4,944 |
| Total risk-based capital ratio | 14.5995% | 4,927 |
| Memoranda: |
| Average total assets | $145,101,500 | 3,953 |
| Average earning assets | $136,781,000 | 3,869 |
| Average equity | $15,565,500 | 3,877 |
| Average total loans | $102,756,000 | 3,523 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1190% | 2,377 |
| Cost of funding earning assets | 1.0368% | 3,113 |
| Net interest margin | 4.0821% | 2,512 |
| Noninterest income to average assets | 5.3422% | 111 |
| Noninterest expense to average assets | 3.9724% | 1,078 |
| Loan and lease loss provision to assets | 2.0832% | 267 |
| Net operating income to assets | 1.6966% | 554 |
| Return on assets (ROA) | 1.6966% | 589 |
| Pretax return on assets | 3.1717% | 108 |
| Return on Equity (ROE) | 16.5099% | 535 |
| Retained earnings to average equity (ytd only) | 15.6676% | 108 |
| Net charge-offs to loans | 2.2104% | 584 |
| Credit loss provision to net charge-offs | 134.7643% | 2,235 |
| Earnings coverage of net charge-offs (x) | 3.3994% | 3,537 |
| Efficiency ratio | 43.0503% | 7,148 |
| Assets per employee ($millions) | 5.0258% | 2,159 |
| Cash dividends to net income (ytd only)* | 5.1020% | 3,978 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2999% | 1,615 |
| Loan loss allowance to noncurrent loans | 91.7402% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.7723% | 3,296 |
| Noncurrent loans to loans | 2.5069% | 2,621 |
| Net loans and leases to total assets | 69.0695% | 2,205 |
| Net loans and leases to deposits | 79.2060% | 2,654 |
| Net loans and leases to core deposits | 82.2392% | 3,149 |
| Total domestic deposits to total assets | 87.2024% | 2,644 |
| Equity capital to assets | 10.8135% | 3,180 |
| Core capital (leverage) ratio | 10.6658% | 2,555 |
| Tier 1 risk-based capital ratio | 13.5884% | 4,628 |
| Total risk-based capital ratio | 14.8491% | 4,593 |
| Memoranda: |
| Average total assets | $138,631,000 | 4,000 |
| Average earning assets | $131,940,600 | 3,892 |
| Average equity | $14,246,000 | 4,058 |
| Average total loans | $96,950,400 | 3,702 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0311% | 2,933 |
| Cost of funding earning assets | 1.0592% | 3,253 |
| Net interest margin | 3.9719% | 3,037 |
| Noninterest income to average assets | 5.9189% | 108 |
| Noninterest expense to average assets | 3.9273% | 1,107 |
| Loan and lease loss provision to assets | 2.1586% | 234 |
| Net operating income to assets | 1.9984% | 341 |
| Return on assets (ROA) | 1.9984% | 370 |
| Pretax return on assets | 3.6232% | 102 |
| Return on Equity (ROE) | 19.7092% | 330 |
| Retained earnings to average equity (ytd only) | 18.5667% | 103 |
| Net charge-offs to loans | 2.0169% | 629 |
| Credit loss provision to net charge-offs | 153.4660% | 2,024 |
| Earnings coverage of net charge-offs (x) | 4.1105% | 3,179 |
| Efficiency ratio | 40.4494% | 7,247 |
| Assets per employee ($millions) | 5.0408% | 2,135 |
| Cash dividends to net income (ytd only)* | 5.7972% | 3,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4483% | 1,471 |
| Loan loss allowance to noncurrent loans | 102.8344% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5998% | 3,685 |
| Noncurrent loans to loans | 2.3808% | 2,912 |
| Net loans and leases to total assets | 65.5512% | 2,993 |
| Net loans and leases to deposits | 75.2644% | 3,461 |
| Net loans and leases to core deposits | 78.3260% | 3,853 |
| Total domestic deposits to total assets | 87.0946% | 2,597 |
| Equity capital to assets | 10.5956% | 3,579 |
| Core capital (leverage) ratio | 10.9501% | 2,434 |
| Tier 1 risk-based capital ratio | 14.2045% | 4,198 |
| Total risk-based capital ratio | 15.4671% | 4,154 |
| Memoranda: |
| Average total assets | $138,108,250 | 4,035 |
| Average earning assets | $131,790,250 | 3,921 |
| Average equity | $14,003,250 | 4,124 |
| Average total loans | $96,317,000 | 3,746 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9946% | 3,178 |
| Cost of funding earning assets | 1.0870% | 3,338 |
| Net interest margin | 3.9077% | 3,271 |
| Noninterest income to average assets | 6.6026% | 103 |
| Noninterest expense to average assets | 4.1693% | 855 |
| Loan and lease loss provision to assets | 2.1401% | 276 |
| Net operating income to assets | 2.2145% | 259 |
| Return on assets (ROA) | 2.2145% | 272 |
| Pretax return on assets | 4.0220% | 93 |
| Return on Equity (ROE) | 22.1833% | 232 |
| Retained earnings to average equity (ytd only) | 20.4296% | 88 |
| Net charge-offs to loans | 1.8449% | 741 |
| Credit loss provision to net charge-offs | 164.2777% | 1,839 |
| Earnings coverage of net charge-offs (x) | 4.7301% | 2,793 |
| Efficiency ratio | 40.3558% | 7,330 |
| Assets per employee ($millions) | 4.9204% | 2,234 |
| Cash dividends to net income (ytd only)* | 7.9051% | 3,176 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3116% | 1,722 |
| Loan loss allowance to noncurrent loans | 115.6745% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 4,154 |
| Noncurrent loans to loans | 1.9984% | 3,479 |
| Net loans and leases to total assets | 67.3725% | 2,748 |
| Net loans and leases to deposits | 77.5802% | 3,204 |
| Net loans and leases to core deposits | 83.6894% | 3,259 |
| Total domestic deposits to total assets | 86.8424% | 2,828 |
| Equity capital to assets | 10.8422% | 3,140 |
| Core capital (leverage) ratio | 10.8554% | 2,371 |
| Tier 1 risk-based capital ratio | 13.7539% | 4,336 |
| Total risk-based capital ratio | 15.0147% | 4,303 |
| Memoranda: |
| Average total assets | $137,096,670 | 4,081 |
| Average earning assets | $130,820,000 | 3,965 |
| Average equity | $13,686,000 | 4,184 |
| Average total loans | $96,808,330 | 3,777 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8547% | 3,794 |
| Cost of funding earning assets | 1.0995% | 3,523 |
| Net interest margin | 3.7552% | 3,819 |
| Noninterest income to average assets | 7.3697% | 95 |
| Noninterest expense to average assets | 4.0483% | 978 |
| Loan and lease loss provision to assets | 2.9680% | 159 |
| Net operating income to assets | 2.1118% | 295 |
| Return on assets (ROA) | 2.1118% | 305 |
| Pretax return on assets | 3.9448% | 104 |
| Return on Equity (ROE) | 22.0605% | 243 |
| Retained earnings to average equity (ytd only) | 22.0605% | 134 |
| Net charge-offs to loans | 2.7565% | 394 |
| Credit loss provision to net charge-offs | 150.8029% | 1,899 |
| Earnings coverage of net charge-offs (x) | 3.5124% | 2,719 |
| Efficiency ratio | 36.9332% | 7,432 |
| Assets per employee ($millions) | 4.7662% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9907% | 2,448 |
| Loan loss allowance to noncurrent loans | 96.5781% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.4672% | 4,059 |
| Noncurrent loans to loans | 2.0612% | 3,492 |
| Net loans and leases to total assets | 69.7619% | 2,176 |
| Net loans and leases to deposits | 83.2521% | 2,146 |
| Net loans and leases to core deposits | 88.7977% | 2,504 |
| Total domestic deposits to total assets | 83.7959% | 4,574 |
| Equity capital to assets | 10.2620% | 3,457 |
| Core capital (leverage) ratio | 10.3086% | 2,798 |
| Tier 1 risk-based capital ratio | 12.7010% | 5,063 |
| Total risk-based capital ratio | 13.9673% | 5,023 |
| Memoranda: |
| Average total assets | $139,219,500 | 4,074 |
| Average earning assets | $133,149,000 | 3,952 |
| Average equity | $13,327,000 | 4,258 |
| Average total loans | $99,401,000 | 3,740 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1822% | 3,691 |
| Cost of funding earning assets | 1.6120% | 2,003 |
| Net interest margin | 3.5701% | 4,963 |
| Noninterest income to average assets | 2.9820% | 234 |
| Noninterest expense to average assets | 3.3519% | 2,578 |
| Loan and lease loss provision to assets | 1.7881% | 772 |
| Net operating income to assets | 0.7384% | 3,057 |
| Return on assets (ROA) | 0.7384% | 3,185 |
| Pretax return on assets | 1.2495% | 2,080 |
| Return on Equity (ROE) | 7.7619% | 2,794 |
| Retained earnings to average equity (ytd only) | 7.7619% | 1,055 |
| Net charge-offs to loans | 3.4839% | 411 |
| Credit loss provision to net charge-offs | 75.2488% | 5,724 |
| Earnings coverage of net charge-offs (x) | 1.2783% | 4,822 |
| Efficiency ratio | 51.9819% | 6,991 |
| Assets per employee ($millions) | 4.9995% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4864% | 4,083 |
| Loan loss allowance to noncurrent loans | 74.4332% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4298% | 4,195 |
| Noncurrent loans to loans | 1.9969% | 3,568 |
| Net loans and leases to total assets | 70.5370% | 2,406 |
| Net loans and leases to deposits | 87.9067% | 1,805 |
| Net loans and leases to core deposits | 93.4364% | 2,330 |
| Total domestic deposits to total assets | 80.2407% | 5,770 |
| Equity capital to assets | 8.9382% | 5,225 |
| Core capital (leverage) ratio | 9.6796% | 3,456 |
| Tier 1 risk-based capital ratio | 11.1164% | 6,236 |
| Total risk-based capital ratio | 12.2577% | 6,294 |
| Memoranda: |
| Average total assets | $131,088,400 | 4,237 |
| Average earning assets | $125,121,400 | 4,129 |
| Average equity | $12,471,200 | 4,488 |
| Average total loans | $89,411,800 | 4,068 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1830% | 3,926 |
| Cost of funding earning assets | 1.7441% | 1,653 |
| Net interest margin | 3.4389% | 5,537 |
| Noninterest income to average assets | 2.7070% | 251 |
| Noninterest expense to average assets | 3.2994% | 2,574 |
| Loan and lease loss provision to assets | 1.3196% | 1,050 |
| Net operating income to assets | 0.7303% | 3,283 |
| Return on assets (ROA) | 0.7303% | 3,439 |
| Pretax return on assets | 1.3655% | 1,985 |
| Return on Equity (ROE) | 7.5469% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.5469% | 1,576 |
| Net charge-offs to loans | 2.5186% | 669 |
| Credit loss provision to net charge-offs | 77.9149% | 5,198 |
| Earnings coverage of net charge-offs (x) | 1.5854% | 4,530 |
| Efficiency ratio | 55.1327% | 6,667 |
| Assets per employee ($millions) | 4.6126% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2326% | 1,735 |
| Loan loss allowance to noncurrent loans | 50.3347% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.0073% | 2,416 |
| Noncurrent loans to loans | 4.4355% | 1,636 |
| Net loans and leases to total assets | 66.2860% | 3,623 |
| Net loans and leases to deposits | 74.8217% | 4,373 |
| Net loans and leases to core deposits | 80.0342% | 4,515 |
| Total domestic deposits to total assets | 88.5919% | 1,631 |
| Equity capital to assets | 9.8766% | 4,321 |
| Core capital (leverage) ratio | 9.5467% | 3,835 |
| Tier 1 risk-based capital ratio | 12.6236% | 4,875 |
| Total risk-based capital ratio | 13.8931% | 4,843 |
| Memoranda: |
| Average total assets | $127,614,250 | 4,379 |
| Average earning assets | $121,624,500 | 4,251 |
| Average equity | $12,349,250 | 4,587 |
| Average total loans | $85,812,000 | 4,233 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1269% | 4,315 |
| Cost of funding earning assets | 1.8234% | 1,549 |
| Net interest margin | 3.3035% | 6,004 |
| Noninterest income to average assets | 2.1416% | 319 |
| Noninterest expense to average assets | 3.0527% | 3,512 |
| Loan and lease loss provision to assets | 0.9489% | 1,546 |
| Net operating income to assets | 0.6719% | 3,522 |
| Return on assets (ROA) | 0.6719% | 3,669 |
| Pretax return on assets | 1.2903% | 2,123 |
| Return on Equity (ROE) | 6.9922% | 3,305 |
| Retained earnings to average equity (ytd only) | 6.9922% | 1,835 |
| Net charge-offs to loans | 2.5602% | 661 |
| Credit loss provision to net charge-offs | 55.2704% | 5,313 |
| Earnings coverage of net charge-offs (x) | 1.3043% | 4,526 |
| Efficiency ratio | 57.6866% | 6,420 |
| Assets per employee ($millions) | 5.6010% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1431% | 1,881 |
| Loan loss allowance to noncurrent loans | 45.9466% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 3.0833% | 2,304 |
| Noncurrent loans to loans | 4.6643% | 1,542 |
| Net loans and leases to total assets | 64.6875% | 4,110 |
| Net loans and leases to deposits | 72.8079% | 4,874 |
| Net loans and leases to core deposits | 74.7837% | 5,353 |
| Total domestic deposits to total assets | 88.8468% | 1,524 |
| Equity capital to assets | 9.7024% | 4,406 |
| Core capital (leverage) ratio | 9.2396% | 4,232 |
| Tier 1 risk-based capital ratio | 12.5054% | 4,858 |
| Total risk-based capital ratio | 13.7729% | 4,810 |
| Memoranda: |
| Average total assets | $127,101,000 | 4,424 |
| Average earning assets | $121,204,670 | 4,287 |
| Average equity | $12,213,670 | 4,622 |
| Average total loans | $85,227,330 | 4,286 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3582% | 3,252 |
| Cost of funding earning assets | 1.8913% | 1,486 |
| Net interest margin | 3.4668% | 5,299 |
| Noninterest income to average assets | 1.0044% | 1,290 |
| Noninterest expense to average assets | 2.8993% | 4,066 |
| Loan and lease loss provision to assets | 0.7256% | 1,752 |
| Net operating income to assets | 0.3992% | 4,843 |
| Return on assets (ROA) | 0.3992% | 4,985 |
| Pretax return on assets | 0.6844% | 4,291 |
| Return on Equity (ROE) | 4.1753% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.1753% | 3,642 |
| Net charge-offs to loans | 5.4186% | 210 |
| Credit loss provision to net charge-offs | 19.8268% | 4,950 |
| Earnings coverage of net charge-offs (x) | 0.3853% | 4,693 |
| Efficiency ratio | 67.2794% | 4,857 |
| Assets per employee ($millions) | 5.6671% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5946% | 3,472 |
| Loan loss allowance to noncurrent loans | 42.3124% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 2.5149% | 2,893 |
| Noncurrent loans to loans | 3.7686% | 2,105 |
| Net loans and leases to total assets | 65.6685% | 3,939 |
| Net loans and leases to deposits | 73.2840% | 4,858 |
| Net loans and leases to core deposits | 76.0115% | 5,255 |
| Total domestic deposits to total assets | 89.6083% | 1,178 |
| Equity capital to assets | 9.3115% | 4,815 |
| Core capital (leverage) ratio | 9.3037% | 4,050 |
| Tier 1 risk-based capital ratio | 12.0459% | 5,152 |
| Total risk-based capital ratio | 13.2973% | 5,116 |
| Memoranda: |
| Average total assets | $126,239,500 | 4,494 |
| Average earning assets | $120,340,000 | 4,363 |
| Average equity | $12,071,000 | 4,705 |
| Average total loans | $85,262,000 | 4,344 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4421% | 4,480 |
| Cost of funding earning assets | 2.3357% | 1,506 |
| Net interest margin | 3.1065% | 6,349 |
| Noninterest income to average assets | 2.1993% | 330 |
| Noninterest expense to average assets | 3.4416% | 2,550 |
| Loan and lease loss provision to assets | 1.6933% | 1,346 |
| Net operating income to assets | 0.0151% | 5,445 |
| Return on assets (ROA) | 0.0151% | 5,489 |
| Pretax return on assets | 0.0284% | 5,372 |
| Return on Equity (ROE) | 0.1479% | 5,494 |
| Retained earnings to average equity (ytd only) | 0.1479% | 4,820 |
| Net charge-offs to loans | 0.5840% | 3,466 |
| Credit loss provision to net charge-offs | 433.3333% | 721 |
| Earnings coverage of net charge-offs (x) | 4.4059% | 2,961 |
| Efficiency ratio | 66.6552% | 5,257 |
| Assets per employee ($millions) | 6.1068% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7687% | 957 |
| Loan loss allowance to noncurrent loans | 177.2414% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0685% | 4,957 |
| Noncurrent loans to loans | 1.5621% | 4,310 |
| Net loans and leases to total assets | 66.5076% | 4,036 |
| Net loans and leases to deposits | 74.1770% | 5,013 |
| Net loans and leases to core deposits | 107.8094% | 3,122 |
| Total domestic deposits to total assets | 89.6606% | 1,128 |
| Equity capital to assets | 9.8293% | 3,972 |
| Core capital (leverage) ratio | 9.1769% | 4,156 |
| Tier 1 risk-based capital ratio | 12.6437% | 4,405 |
| Total risk-based capital ratio | 13.9200% | 4,324 |
| Memoranda: |
| Average total assets | $112,855,000 | 4,761 |
| Average earning assets | $107,678,400 | 4,642 |
| Average equity | $11,491,800 | 4,881 |
| Average total loans | $75,510,200 | 4,671 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2793% | 5,530 |
| Cost of funding earning assets | 2.3657% | 1,755 |
| Net interest margin | 2.9136% | 6,827 |
| Noninterest income to average assets | 2.0265% | 355 |
| Noninterest expense to average assets | 3.3979% | 2,582 |
| Loan and lease loss provision to assets | 2.2146% | 781 |
| Net operating income to assets | -0.8021% | 6,693 |
| Return on assets (ROA) | -0.8021% | 6,696 |
| Pretax return on assets | -0.8021% | 6,545 |
| Return on Equity (ROE) | -7.8025% | 6,715 |
| Retained earnings to average equity (ytd only) | -7.8025% | 6,580 |
| Net charge-offs to loans | 0.3066% | 4,120 |
| Credit loss provision to net charge-offs | 1,086.3905% | 351 |
| Earnings coverage of net charge-offs (x) | 6.9289% | 2,515 |
| Efficiency ratio | 70.6369% | 4,475 |
| Assets per employee ($millions) | 5.6032% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2322% | 545 |
| Loan loss allowance to noncurrent loans | 128.9163% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.5795% | 3,986 |
| Noncurrent loans to loans | 2.5072% | 3,001 |
| Net loans and leases to total assets | 60.9613% | 5,432 |
| Net loans and leases to deposits | 69.6509% | 5,958 |
| Net loans and leases to core deposits | 107.8521% | 3,488 |
| Total domestic deposits to total assets | 87.5241% | 1,871 |
| Equity capital to assets | 9.2099% | 5,150 |
| Core capital (leverage) ratio | 9.1849% | 4,360 |
| Tier 1 risk-based capital ratio | 12.6328% | 4,450 |
| Total risk-based capital ratio | 13.9149% | 4,371 |
| Memoranda: |
| Average total assets | $110,535,000 | 4,844 |
| Average earning assets | $105,618,250 | 4,720 |
| Average equity | $11,363,500 | 4,959 |
| Average total loans | $73,502,250 | 4,791 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2485% | 5,877 |
| Cost of funding earning assets | 2.4177% | 1,891 |
| Net interest margin | 2.8308% | 6,952 |
| Noninterest income to average assets | 1.4903% | 669 |
| Noninterest expense to average assets | 3.4716% | 2,427 |
| Loan and lease loss provision to assets | 0.4986% | 3,044 |
| Net operating income to assets | 0.1392% | 5,452 |
| Return on assets (ROA) | 0.1392% | 5,546 |
| Pretax return on assets | 0.2277% | 5,392 |
| Return on Equity (ROE) | 1.3020% | 5,534 |
| Retained earnings to average equity (ytd only) | 1.3020% | 4,612 |
| Net charge-offs to loans | 0.2163% | 4,153 |
| Credit loss provision to net charge-offs | 339.7436% | 1,367 |
| Earnings coverage of net charge-offs (x) | 4.9487% | 2,948 |
| Efficiency ratio | 82.6983% | 2,640 |
| Assets per employee ($millions) | 5.5026% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3883% | 3,789 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 3,504 |
| Noncurrent loans to loans | 2.7766% | 2,588 |
| Net loans and leases to total assets | 63.3750% | 5,108 |
| Net loans and leases to deposits | 72.6662% | 5,646 |
| Net loans and leases to core deposits | 100.1450% | 4,495 |
| Total domestic deposits to total assets | 87.2139% | 2,146 |
| Equity capital to assets | 10.4591% | 3,457 |
| Core capital (leverage) ratio | 10.4565% | 2,854 |
| Tier 1 risk-based capital ratio | 13.9153% | 3,569 |
| Total risk-based capital ratio | 15.1564% | 3,510 |
| Memoranda: |
| Average total assets | $106,290,000 | 4,986 |
| Average earning assets | $101,666,330 | 4,854 |
| Average equity | $11,367,000 | 4,985 |
| Average total loans | $72,117,330 | 4,881 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4371% | 5,242 |
| Cost of funding earning assets | 2.4908% | 1,952 |
| Net interest margin | 2.9463% | 6,623 |
| Noninterest income to average assets | 1.3929% | 727 |
| Noninterest expense to average assets | 3.5964% | 1,875 |
| Loan and lease loss provision to assets | 0.3266% | 3,361 |
| Net operating income to assets | 0.1849% | 5,703 |
| Return on assets (ROA) | 0.1849% | 5,880 |
| Pretax return on assets | 0.2951% | 5,692 |
| Return on Equity (ROE) | 1.7079% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.7079% | 4,894 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2612% | 2,164 |
| Assets per employee ($millions) | 5.6636% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3034% | 4,056 |
| Loan loss allowance to noncurrent loans | 139.1892% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 5,719 |
| Noncurrent loans to loans | 0.9364% | 5,124 |
| Net loans and leases to total assets | 61.9700% | 5,331 |
| Net loans and leases to deposits | 71.2572% | 5,836 |
| Net loans and leases to core deposits | 103.6747% | 4,172 |
| Total domestic deposits to total assets | 86.9667% | 2,236 |
| Equity capital to assets | 10.6550% | 3,322 |
| Core capital (leverage) ratio | 11.4814% | 2,160 |
| Tier 1 risk-based capital ratio | 14.3351% | 3,409 |
| Total risk-based capital ratio | 15.4874% | 3,391 |
| Memoranda: |
| Average total assets | $101,657,500 | 5,130 |
| Average earning assets | $97,479,000 | 4,992 |
| Average equity | $11,007,500 | 5,108 |
| Average total loans | $71,044,000 | 4,944 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8967% | 1,408 |
| Cost of funding earning assets | 2.8884% | 2,319 |
| Net interest margin | 4.0083% | 3,073 |
| Noninterest income to average assets | 2.3215% | 280 |
| Noninterest expense to average assets | 4.5221% | 872 |
| Loan and lease loss provision to assets | 0.5958% | 2,441 |
| Net operating income to assets | 0.9106% | 2,955 |
| Return on assets (ROA) | 0.9991% | 2,443 |
| Pretax return on assets | 1.0694% | 3,139 |
| Return on Equity (ROE) | 7.4425% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.4425% | 1,003 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1475% | 3,546 |
| Assets per employee ($millions) | 4.7392% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1893% | 4,628 |
| Loan loss allowance to noncurrent loans | 341.7004% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 6,478 |
| Noncurrent loans to loans | 0.3480% | 6,332 |
| Net loans and leases to total assets | 77.8764% | 2,172 |
| Net loans and leases to deposits | 91.0038% | 3,290 |
| Net loans and leases to core deposits | 131.6691% | 1,747 |
| Total domestic deposits to total assets | 85.5748% | 2,596 |
| Equity capital to assets | 11.0457% | 3,009 |
| Core capital (leverage) ratio | 11.9646% | 1,983 |
| Tier 1 risk-based capital ratio | 13.0542% | 4,082 |
| Total risk-based capital ratio | 14.1643% | 4,076 |
| Memoranda: |
| Average total assets | $71,162,400 | 5,993 |
| Average earning assets | $67,061,400 | 5,930 |
| Average equity | $9,553,200 | 5,552 |
| Average total loans | $50,736,200 | 5,673 |
