| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5786% | 1,060 |
| Cost of funding earning assets | 1.2967% | 2,526 |
| Net interest margin | 4.2819% | 835 |
| Noninterest income to average assets | 1.0900% | 557 |
| Noninterest expense to average assets | 3.4347% | 626 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0217% | 2,149 |
| Return on assets (ROA) | 0.8119% | 2,817 |
| Pretax return on assets | 1.0295% | 2,587 |
| Return on Equity (ROE) | 10.3200% | 2,399 |
| Retained earnings to average equity (ytd only) | 10.3184% | 937 |
| Net charge-offs to loans | -0.0239% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.6145% | 1,699 |
| Assets per employee ($millions) | 3.9162% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1709% | 2,453 |
| Loan loss allowance to noncurrent loans | 488.1882% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,392 |
| Noncurrent loans to loans | 0.2398% | 2,350 |
| Net loans and leases to total assets | 51.2800% | 3,525 |
| Net loans and leases to deposits | 56.4033% | 3,690 |
| Net loans and leases to core deposits | 57.1835% | 3,868 |
| Total domestic deposits to total assets | 90.9100% | 531 |
| Equity capital to assets | 8.8130% | 2,812 |
| Core capital (leverage) ratio | 10.3400% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2932% | 1,208 |
| Memoranda: |
| Average total assets | $806,250,800 | 1,172 |
| Average earning assets | $688,366,600 | 1,259 |
| Average equity | $63,440,200 | 1,337 |
| Average total loans | $396,839,000 | 1,482 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4405% | 1,084 |
| Cost of funding earning assets | 1.2249% | 2,350 |
| Net interest margin | 4.2157% | 899 |
| Noninterest income to average assets | 1.0900% | 560 |
| Noninterest expense to average assets | 3.4324% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9957% | 2,373 |
| Return on assets (ROA) | 0.9527% | 2,494 |
| Pretax return on assets | 1.2010% | 2,293 |
| Return on Equity (ROE) | 12.4800% | 2,008 |
| Retained earnings to average equity (ytd only) | 12.4799% | 889 |
| Net charge-offs to loans | -0.0323% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.5483% | 1,510 |
| Assets per employee ($millions) | 3.8356% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2397% | 2,172 |
| Loan loss allowance to noncurrent loans | 418.1818% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,590 |
| Noncurrent loans to loans | 0.2964% | 2,176 |
| Net loans and leases to total assets | 49.1600% | 3,677 |
| Net loans and leases to deposits | 53.5297% | 3,808 |
| Net loans and leases to core deposits | 54.5017% | 3,909 |
| Total domestic deposits to total assets | 91.8400% | 486 |
| Equity capital to assets | 7.6711% | 3,262 |
| Core capital (leverage) ratio | 10.2439% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2509% | 1,058 |
| Memoranda: |
| Average total assets | $807,110,750 | 1,171 |
| Average earning assets | $687,293,750 | 1,253 |
| Average equity | $61,612,250 | 1,357 |
| Average total loans | $391,918,250 | 1,487 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3016% | 1,081 |
| Cost of funding earning assets | 1.1616% | 2,102 |
| Net interest margin | 4.1400% | 1,022 |
| Noninterest income to average assets | 1.0900% | 500 |
| Noninterest expense to average assets | 3.3872% | 612 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.9690% | 2,518 |
| Return on assets (ROA) | 0.9048% | 2,724 |
| Pretax return on assets | 1.1403% | 2,537 |
| Return on Equity (ROE) | 11.8700% | 2,191 |
| Retained earnings to average equity (ytd only) | 11.8717% | 1,007 |
| Net charge-offs to loans | -0.0087% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.8542% | 1,470 |
| Assets per employee ($millions) | 3.9965% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2051% | 2,410 |
| Loan loss allowance to noncurrent loans | 1,012.4473% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,173 |
| Noncurrent loans to loans | 0.1190% | 2,879 |
| Net loans and leases to total assets | 48.9800% | 3,626 |
| Net loans and leases to deposits | 53.4041% | 3,780 |
| Net loans and leases to core deposits | 54.1756% | 3,886 |
| Total domestic deposits to total assets | 91.7100% | 472 |
| Equity capital to assets | 7.8583% | 3,307 |
| Core capital (leverage) ratio | 9.8545% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7688% | 1,162 |
| Memoranda: |
| Average total assets | $812,768,000 | 1,163 |
| Average earning assets | $690,093,333 | 1,241 |
| Average equity | $61,945,667 | 1,354 |
| Average total loans | $391,450,000 | 1,476 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1334% | 1,046 |
| Cost of funding earning assets | 1.1186% | 1,700 |
| Net interest margin | 4.0147% | 1,238 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 3.3042% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8846% | 2,903 |
| Return on assets (ROA) | 0.7555% | 3,281 |
| Pretax return on assets | 0.9497% | 3,127 |
| Return on Equity (ROE) | 10.0700% | 2,767 |
| Retained earnings to average equity (ytd only) | 10.0659% | 1,682 |
| Net charge-offs to loans | -0.0227% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.0470% | 1,334 |
| Assets per employee ($millions) | 4.1995% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2372% | 2,351 |
| Loan loss allowance to noncurrent loans | 531.8937% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 2,751 |
| Noncurrent loans to loans | 0.2326% | 2,339 |
| Net loans and leases to total assets | 47.0600% | 3,706 |
| Net loans and leases to deposits | 51.4262% | 3,822 |
| Net loans and leases to core deposits | 52.0451% | 3,911 |
| Total domestic deposits to total assets | 91.5100% | 647 |
| Equity capital to assets | 7.9120% | 3,305 |
| Core capital (leverage) ratio | 9.4768% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4363% | 1,281 |
| Memoranda: |
| Average total assets | $817,502,500 | 1,179 |
| Average earning assets | $686,568,500 | 1,260 |
| Average equity | $61,355,500 | 1,375 |
| Average total loans | $388,061,500 | 1,506 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4023% | 879 |
| Cost of funding earning assets | 0.4706% | 1,586 |
| Net interest margin | 3.9316% | 889 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 3.1937% | 731 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9032% | 2,945 |
| Return on assets (ROA) | 0.8813% | 2,981 |
| Pretax return on assets | 1.1083% | 2,745 |
| Return on Equity (ROE) | 11.3400% | 2,369 |
| Retained earnings to average equity (ytd only) | 11.3390% | 820 |
| Net charge-offs to loans | -0.0052% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.5797% | 1,376 |
| Assets per employee ($millions) | 4.2502% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1809% | 2,482 |
| Loan loss allowance to noncurrent loans | 425.3482% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 2,596 |
| Noncurrent loans to loans | 0.2776% | 2,161 |
| Net loans and leases to total assets | 46.7300% | 3,754 |
| Net loans and leases to deposits | 50.5093% | 3,875 |
| Net loans and leases to core deposits | 51.0992% | 3,937 |
| Total domestic deposits to total assets | 92.5200% | 516 |
| Equity capital to assets | 7.1012% | 3,616 |
| Core capital (leverage) ratio | 8.9324% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9875% | 1,373 |
| Memoranda: |
| Average total assets | $814,127,000 | 1,168 |
| Average earning assets | $703,094,400 | 1,231 |
| Average equity | $63,277,400 | 1,340 |
| Average total loans | $382,546,600 | 1,445 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1950% | 898 |
| Cost of funding earning assets | 0.3368% | 1,805 |
| Net interest margin | 3.8582% | 871 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 3.2331% | 654 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7377% | 3,456 |
| Return on assets (ROA) | 0.7377% | 3,401 |
| Pretax return on assets | 0.9267% | 3,247 |
| Return on Equity (ROE) | 9.2900% | 2,936 |
| Retained earnings to average equity (ytd only) | 9.2889% | 1,558 |
| Net charge-offs to loans | -0.0133% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.3883% | 1,045 |
| Assets per employee ($millions) | 4.5375% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1874% | 2,596 |
| Loan loss allowance to noncurrent loans | 1,253.1335% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 3,484 |
| Noncurrent loans to loans | 0.0948% | 3,201 |
| Net loans and leases to total assets | 44.1600% | 3,868 |
| Net loans and leases to deposits | 47.3957% | 3,974 |
| Net loans and leases to core deposits | 48.0483% | 4,029 |
| Total domestic deposits to total assets | 93.1700% | 533 |
| Equity capital to assets | 6.4711% | 3,754 |
| Core capital (leverage) ratio | 8.4998% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7899% | 1,482 |
| Memoranda: |
| Average total assets | $812,584,500 | 1,178 |
| Average earning assets | $712,136,500 | 1,224 |
| Average equity | $64,534,000 | 1,339 |
| Average total loans | $381,204,750 | 1,447 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1014% | 765 |
| Cost of funding earning assets | 0.2725% | 1,997 |
| Net interest margin | 3.8289% | 707 |
| Noninterest income to average assets | 0.7509% | 1,171 |
| Noninterest expense to average assets | 3.2423% | 592 |
| Loan and lease loss provision to assets | 0.0277% | 2,095 |
| Net operating income to assets | 0.6600% | 3,440 |
| Return on assets (ROA) | 0.6600% | 3,388 |
| Pretax return on assets | 0.8307% | 3,248 |
| Return on Equity (ROE) | 7.7861% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.7861% | 1,698 |
| Net charge-offs to loans | 0.0100% | 1,612 |
| Credit loss provision to net charge-offs | 578.9474% | 588 |
| Earnings coverage of net charge-offs (x) | 179.4737% | 576 |
| Efficiency ratio | 78.0308% | 1,080 |
| Assets per employee ($millions) | 4.5388% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1728% | 2,832 |
| Loan loss allowance to noncurrent loans | 338.1981% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 2,628 |
| Noncurrent loans to loans | 0.3468% | 2,110 |
| Net loans and leases to total assets | 44.1497% | 3,820 |
| Net loans and leases to deposits | 47.4997% | 3,948 |
| Net loans and leases to core deposits | 48.1973% | 4,017 |
| Total domestic deposits to total assets | 92.9473% | 531 |
| Equity capital to assets | 6.7478% | 3,912 |
| Core capital (leverage) ratio | 8.8867% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3910% | 1,602 |
| Memoranda: |
| Average total assets | $794,558,333 | 1,198 |
| Average earning assets | $695,133,667 | 1,257 |
| Average equity | $67,351,000 | 1,321 |
| Average total loans | $379,168,667 | 1,443 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1314% | 598 |
| Cost of funding earning assets | 0.2746% | 1,884 |
| Net interest margin | 3.8567% | 556 |
| Noninterest income to average assets | 0.7595% | 1,149 |
| Noninterest expense to average assets | 3.3234% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6361% | 3,271 |
| Return on assets (ROA) | 0.6361% | 3,255 |
| Pretax return on assets | 0.7991% | 3,113 |
| Return on Equity (ROE) | 6.7207% | 3,121 |
| Retained earnings to average equity (ytd only) | 6.7207% | 1,987 |
| Net charge-offs to loans | -0.0448% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5292% | 1,188 |
| Assets per employee ($millions) | 4.1474% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1845% | 2,941 |
| Loan loss allowance to noncurrent loans | 236.3493% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 2,158 |
| Noncurrent loans to loans | 0.5012% | 1,772 |
| Net loans and leases to total assets | 48.5889% | 3,323 |
| Net loans and leases to deposits | 54.1557% | 3,408 |
| Net loans and leases to core deposits | 55.1685% | 3,511 |
| Total domestic deposits to total assets | 89.7208% | 1,705 |
| Equity capital to assets | 8.7173% | 2,958 |
| Core capital (leverage) ratio | 9.4853% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3277% | 1,689 |
| Memoranda: |
| Average total assets | $758,383,500 | 1,245 |
| Average earning assets | $661,282,500 | 1,314 |
| Average equity | $71,778,000 | 1,305 |
| Average total loans | $375,113,500 | 1,444 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5832% | 522 |
| Cost of funding earning assets | 0.3545% | 1,900 |
| Net interest margin | 4.2287% | 467 |
| Noninterest income to average assets | 0.8682% | 1,283 |
| Noninterest expense to average assets | 3.2199% | 706 |
| Loan and lease loss provision to assets | 0.0900% | 1,381 |
| Net operating income to assets | 0.9611% | 2,834 |
| Return on assets (ROA) | 0.9611% | 2,899 |
| Pretax return on assets | 1.2101% | 2,629 |
| Return on Equity (ROE) | 9.5246% | 2,710 |
| Retained earnings to average equity (ytd only) | 7.9473% | 1,567 |
| Net charge-offs to loans | 0.0121% | 2,113 |
| Credit loss provision to net charge-offs | 1,444.4444% | 401 |
| Earnings coverage of net charge-offs (x) | 208.7333% | 524 |
| Efficiency ratio | 69.9982% | 1,731 |
| Assets per employee ($millions) | 4.0508% | 4,409 |
| Cash dividends to net income (ytd only)* | 16.5611% | 3,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2000% | 2,887 |
| Loan loss allowance to noncurrent loans | 289.4018% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,532 |
| Noncurrent loans to loans | 0.4147% | 2,113 |
| Net loans and leases to total assets | 49.1662% | 3,384 |
| Net loans and leases to deposits | 55.8062% | 3,438 |
| Net loans and leases to core deposits | 56.9733% | 3,551 |
| Total domestic deposits to total assets | 88.1016% | 1,991 |
| Equity capital to assets | 10.2381% | 2,431 |
| Core capital (leverage) ratio | 9.4202% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3160% | 1,733 |
| Memoranda: |
| Average total assets | $722,527,000 | 1,260 |
| Average earning assets | $623,957,600 | 1,332 |
| Average equity | $72,905,600 | 1,307 |
| Average total loans | $373,261,800 | 1,446 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6822% | 499 |
| Cost of funding earning assets | 0.3711% | 1,928 |
| Net interest margin | 4.3110% | 439 |
| Noninterest income to average assets | 0.8333% | 1,430 |
| Noninterest expense to average assets | 3.2498% | 648 |
| Loan and lease loss provision to assets | 0.0930% | 1,280 |
| Net operating income to assets | 0.9832% | 2,976 |
| Return on assets (ROA) | 0.9832% | 3,057 |
| Pretax return on assets | 1.2045% | 2,913 |
| Return on Equity (ROE) | 9.7812% | 2,817 |
| Retained earnings to average equity (ytd only) | 7.9308% | 2,075 |
| Net charge-offs to loans | 0.0827% | 848 |
| Credit loss provision to net charge-offs | 215.5172% | 1,166 |
| Earnings coverage of net charge-offs (x) | 30.0690% | 1,522 |
| Efficiency ratio | 70.2225% | 1,576 |
| Assets per employee ($millions) | 4.0564% | 4,415 |
| Cash dividends to net income (ytd only)* | 18.9179% | 2,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1249% | 3,318 |
| Loan loss allowance to noncurrent loans | 214.8303% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,498 |
| Noncurrent loans to loans | 0.5236% | 1,993 |
| Net loans and leases to total assets | 48.1884% | 3,610 |
| Net loans and leases to deposits | 54.6236% | 3,688 |
| Net loans and leases to core deposits | 55.7276% | 3,796 |
| Total domestic deposits to total assets | 88.2190% | 1,709 |
| Equity capital to assets | 9.8621% | 3,037 |
| Core capital (leverage) ratio | 8.8296% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5435% | 2,148 |
| Memoranda: |
| Average total assets | $716,822,250 | 1,288 |
| Average earning assets | $617,562,250 | 1,357 |
| Average equity | $72,054,750 | 1,332 |
| Average total loans | $373,850,000 | 1,472 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6316% | 595 |
| Cost of funding earning assets | 0.3844% | 2,018 |
| Net interest margin | 4.2472% | 540 |
| Noninterest income to average assets | 0.8208% | 1,476 |
| Noninterest expense to average assets | 3.2556% | 656 |
| Loan and lease loss provision to assets | 0.0850% | 1,441 |
| Net operating income to assets | 0.9362% | 3,112 |
| Return on assets (ROA) | 0.9362% | 3,189 |
| Pretax return on assets | 1.1284% | 3,119 |
| Return on Equity (ROE) | 9.2516% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.7111% | 2,190 |
| Net charge-offs to loans | 0.0903% | 793 |
| Credit loss provision to net charge-offs | 176.4706% | 1,101 |
| Earnings coverage of net charge-offs (x) | 25.1824% | 1,414 |
| Efficiency ratio | 71.5672% | 1,472 |
| Assets per employee ($millions) | 4.1402% | 4,371 |
| Cash dividends to net income (ytd only)* | 16.6515% | 2,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0682% | 3,550 |
| Loan loss allowance to noncurrent loans | 67.1508% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9824% | 773 |
| Noncurrent loans to loans | 1.5908% | 695 |
| Net loans and leases to total assets | 49.4123% | 3,615 |
| Net loans and leases to deposits | 55.8707% | 3,721 |
| Net loans and leases to core deposits | 57.1632% | 3,823 |
| Total domestic deposits to total assets | 88.4405% | 1,596 |
| Equity capital to assets | 9.7073% | 3,137 |
| Core capital (leverage) ratio | 8.8541% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5438% | 2,147 |
| Memoranda: |
| Average total assets | $705,619,667 | 1,296 |
| Average earning assets | $606,097,667 | 1,369 |
| Average equity | $71,403,667 | 1,335 |
| Average total loans | $376,555,333 | 1,470 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7832% | 495 |
| Cost of funding earning assets | 0.4042% | 2,059 |
| Net interest margin | 4.3790% | 444 |
| Noninterest income to average assets | 0.8247% | 1,529 |
| Noninterest expense to average assets | 3.3338% | 573 |
| Loan and lease loss provision to assets | 0.0875% | 1,507 |
| Net operating income to assets | 0.9944% | 2,824 |
| Return on assets (ROA) | 0.9944% | 2,920 |
| Pretax return on assets | 1.1507% | 2,985 |
| Return on Equity (ROE) | 9.6145% | 2,815 |
| Retained earnings to average equity (ytd only) | 9.6145% | 1,764 |
| Net charge-offs to loans | 0.1954% | 417 |
| Credit loss provision to net charge-offs | 81.0811% | 1,203 |
| Earnings coverage of net charge-offs (x) | 11.4757% | 1,451 |
| Efficiency ratio | 71.6290% | 1,535 |
| Assets per employee ($millions) | 3.9309% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0243% | 3,753 |
| Loan loss allowance to noncurrent loans | 53.3455% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 586 |
| Noncurrent loans to loans | 1.9202% | 579 |
| Net loans and leases to total assets | 52.3335% | 3,412 |
| Net loans and leases to deposits | 59.4697% | 3,520 |
| Net loans and leases to core deposits | 60.9153% | 3,646 |
| Total domestic deposits to total assets | 88.0002% | 1,844 |
| Equity capital to assets | 10.1417% | 2,559 |
| Core capital (leverage) ratio | 9.4050% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7235% | 1,995 |
| Memoranda: |
| Average total assets | $685,814,000 | 1,308 |
| Average earning assets | $586,889,000 | 1,389 |
| Average equity | $70,934,500 | 1,334 |
| Average total loans | $378,727,000 | 1,467 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0928% | 419 |
| Cost of funding earning assets | 0.6434% | 2,041 |
| Net interest margin | 4.4494% | 364 |
| Noninterest income to average assets | 0.9454% | 1,160 |
| Noninterest expense to average assets | 3.4526% | 745 |
| Loan and lease loss provision to assets | 0.3395% | 1,035 |
| Net operating income to assets | 0.7625% | 3,232 |
| Return on assets (ROA) | 0.7625% | 3,354 |
| Pretax return on assets | 0.9562% | 3,195 |
| Return on Equity (ROE) | 7.2265% | 3,103 |
| Retained earnings to average equity (ytd only) | 3.7021% | 2,976 |
| Net charge-offs to loans | 0.4152% | 409 |
| Credit loss provision to net charge-offs | 139.4422% | 2,489 |
| Earnings coverage of net charge-offs (x) | 5.3214% | 2,874 |
| Efficiency ratio | 71.0628% | 1,804 |
| Assets per employee ($millions) | 3.5914% | 4,616 |
| Cash dividends to net income (ytd only)* | 48.7701% | 1,899 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9979% | 3,877 |
| Loan loss allowance to noncurrent loans | 50.7790% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3734% | 569 |
| Noncurrent loans to loans | 1.9652% | 595 |
| Net loans and leases to total assets | 57.1204% | 3,188 |
| Net loans and leases to deposits | 65.2560% | 3,339 |
| Net loans and leases to core deposits | 66.9047% | 3,477 |
| Total domestic deposits to total assets | 87.5327% | 1,690 |
| Equity capital to assets | 10.5553% | 2,624 |
| Core capital (leverage) ratio | 9.1897% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5253% | 2,044 |
| Memoranda: |
| Average total assets | $618,467,000 | 1,301 |
| Average earning assets | $528,612,600 | 1,394 |
| Average equity | $65,259,800 | 1,369 |
| Average total loans | $362,755,200 | 1,471 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1914% | 421 |
| Cost of funding earning assets | 0.7561% | 1,699 |
| Net interest margin | 4.4353% | 444 |
| Noninterest income to average assets | 0.9811% | 1,057 |
| Noninterest expense to average assets | 3.4228% | 777 |
| Loan and lease loss provision to assets | 0.2640% | 1,541 |
| Net operating income to assets | 0.8630% | 2,847 |
| Return on assets (ROA) | 0.8630% | 2,987 |
| Pretax return on assets | 1.0843% | 2,797 |
| Return on Equity (ROE) | 8.1794% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.1794% | 1,247 |
| Net charge-offs to loans | 0.3267% | 479 |
| Credit loss provision to net charge-offs | 137.1429% | 2,405 |
| Earnings coverage of net charge-offs (x) | 7.0046% | 2,608 |
| Efficiency ratio | 70.0664% | 1,879 |
| Assets per employee ($millions) | 3.6251% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9508% | 3,886 |
| Loan loss allowance to noncurrent loans | 32.4209% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.0224% | 323 |
| Noncurrent loans to loans | 2.9328% | 322 |
| Net loans and leases to total assets | 56.4771% | 3,578 |
| Net loans and leases to deposits | 64.2321% | 3,778 |
| Net loans and leases to core deposits | 65.6373% | 3,912 |
| Total domestic deposits to total assets | 87.9266% | 1,245 |
| Equity capital to assets | 9.8949% | 3,340 |
| Core capital (leverage) ratio | 8.3846% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6014% | 2,363 |
| Memoranda: |
| Average total assets | $606,084,250 | 1,300 |
| Average earning assets | $517,892,500 | 1,402 |
| Average equity | $63,947,500 | 1,374 |
| Average total loans | $357,091,750 | 1,485 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3920% | 409 |
| Cost of funding earning assets | 0.8516% | 1,595 |
| Net interest margin | 4.5404% | 460 |
| Noninterest income to average assets | 1.0401% | 917 |
| Noninterest expense to average assets | 3.4349% | 812 |
| Loan and lease loss provision to assets | 0.2550% | 1,661 |
| Net operating income to assets | 0.9698% | 2,425 |
| Return on assets (ROA) | 0.9698% | 2,556 |
| Pretax return on assets | 1.2316% | 2,252 |
| Return on Equity (ROE) | 8.9823% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.9823% | 1,011 |
| Net charge-offs to loans | 0.3364% | 483 |
| Credit loss provision to net charge-offs | 127.1186% | 2,247 |
| Earnings coverage of net charge-offs (x) | 7.4102% | 2,365 |
| Efficiency ratio | 68.1222% | 2,220 |
| Assets per employee ($millions) | 3.4747% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9017% | 4,000 |
| Loan loss allowance to noncurrent loans | 35.7240% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 620 |
| Noncurrent loans to loans | 2.5240% | 456 |
| Net loans and leases to total assets | 57.4038% | 3,564 |
| Net loans and leases to deposits | 65.4572% | 3,768 |
| Net loans and leases to core deposits | 66.9443% | 3,927 |
| Total domestic deposits to total assets | 87.6967% | 1,331 |
| Equity capital to assets | 9.9706% | 3,233 |
| Core capital (leverage) ratio | 8.6591% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6048% | 2,357 |
| Memoranda: |
| Average total assets | $588,190,667 | 1,316 |
| Average earning assets | $502,821,000 | 1,414 |
| Average equity | $63,502,333 | 1,374 |
| Average total loans | $350,724,667 | 1,488 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9052% | 182 |
| Cost of funding earning assets | 1.0377% | 1,268 |
| Net interest margin | 4.8676% | 243 |
| Noninterest income to average assets | 1.1093% | 702 |
| Noninterest expense to average assets | 3.7030% | 699 |
| Loan and lease loss provision to assets | 0.0720% | 2,833 |
| Net operating income to assets | 1.1619% | 1,655 |
| Return on assets (ROA) | 1.1619% | 1,765 |
| Pretax return on assets | 1.4743% | 1,374 |
| Return on Equity (ROE) | 10.2988% | 1,642 |
| Retained earnings to average equity (ytd only) | 10.2988% | 692 |
| Net charge-offs to loans | 0.0499% | 1,510 |
| Credit loss provision to net charge-offs | 238.0952% | 1,316 |
| Earnings coverage of net charge-offs (x) | 51.1429% | 884 |
| Efficiency ratio | 68.8837% | 2,522 |
| Assets per employee ($millions) | 3.0450% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9813% | 3,802 |
| Loan loss allowance to noncurrent loans | 40.5687% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4824% | 725 |
| Noncurrent loans to loans | 2.4188% | 509 |
| Net loans and leases to total assets | 58.9724% | 3,595 |
| Net loans and leases to deposits | 68.4172% | 3,702 |
| Net loans and leases to core deposits | 70.4038% | 3,856 |
| Total domestic deposits to total assets | 86.1952% | 1,924 |
| Equity capital to assets | 11.2369% | 2,650 |
| Core capital (leverage) ratio | 9.7330% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2260% | 2,189 |
| Memoranda: |
| Average total assets | $555,661,500 | 1,344 |
| Average earning assets | $472,599,000 | 1,439 |
| Average equity | $62,687,000 | 1,378 |
| Average total loans | $336,886,000 | 1,496 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1261% | 188 |
| Cost of funding earning assets | 1.1012% | 1,320 |
| Net interest margin | 5.0249% | 256 |
| Noninterest income to average assets | 1.1026% | 788 |
| Noninterest expense to average assets | 3.8734% | 613 |
| Loan and lease loss provision to assets | 0.0908% | 2,208 |
| Net operating income to assets | 1.2024% | 2,048 |
| Return on assets (ROA) | 1.2024% | 2,148 |
| Pretax return on assets | 1.4953% | 1,822 |
| Return on Equity (ROE) | 11.3030% | 1,770 |
| Retained earnings to average equity (ytd only) | 11.3030% | 297 |
| Net charge-offs to loans | 0.0417% | 2,557 |
| Credit loss provision to net charge-offs | 346.1538% | 808 |
| Earnings coverage of net charge-offs (x) | 60.4755% | 971 |
| Efficiency ratio | 69.0036% | 2,316 |
| Assets per employee ($millions) | 2.9779% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9665% | 3,665 |
| Loan loss allowance to noncurrent loans | 65.3537% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 1,289 |
| Noncurrent loans to loans | 1.4789% | 986 |
| Net loans and leases to total assets | 61.1444% | 3,487 |
| Net loans and leases to deposits | 70.5965% | 3,618 |
| Net loans and leases to core deposits | 73.1219% | 3,790 |
| Total domestic deposits to total assets | 86.6110% | 1,800 |
| Equity capital to assets | 11.3279% | 2,678 |
| Core capital (leverage) ratio | 9.5583% | 4,003 |
| Tier 1 risk-based capital ratio | 13.3516% | 3,605 |
| Total risk-based capital ratio | 14.1824% | 3,703 |
| Memoranda: |
| Average total assets | $545,255,600 | 1,317 |
| Average earning assets | $472,767,000 | 1,410 |
| Average equity | $58,002,400 | 1,400 |
| Average total loans | $342,647,200 | 1,451 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1505% | 189 |
| Cost of funding earning assets | 1.1567% | 1,150 |
| Net interest margin | 4.9938% | 295 |
| Noninterest income to average assets | 1.1012% | 756 |
| Noninterest expense to average assets | 3.9253% | 576 |
| Loan and lease loss provision to assets | 0.1210% | 1,618 |
| Net operating income to assets | 1.1036% | 2,555 |
| Return on assets (ROA) | 1.1036% | 2,647 |
| Pretax return on assets | 1.4027% | 2,306 |
| Return on Equity (ROE) | 10.5459% | 2,193 |
| Retained earnings to average equity (ytd only) | 10.5459% | 615 |
| Net charge-offs to loans | 0.0782% | 1,706 |
| Credit loss provision to net charge-offs | 245.0495% | 1,114 |
| Earnings coverage of net charge-offs (x) | 30.8511% | 1,596 |
| Efficiency ratio | 70.0902% | 2,099 |
| Assets per employee ($millions) | 3.0295% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9426% | 3,855 |
| Loan loss allowance to noncurrent loans | 79.8649% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 1,469 |
| Noncurrent loans to loans | 1.1802% | 1,336 |
| Net loans and leases to total assets | 60.5241% | 3,630 |
| Net loans and leases to deposits | 69.5989% | 3,792 |
| Net loans and leases to core deposits | 71.9099% | 3,957 |
| Total domestic deposits to total assets | 86.9612% | 1,541 |
| Equity capital to assets | 10.8518% | 3,245 |
| Core capital (leverage) ratio | 9.2684% | 4,405 |
| Tier 1 risk-based capital ratio | 12.9954% | 3,849 |
| Total risk-based capital ratio | 13.8152% | 3,977 |
| Memoranda: |
| Average total assets | $545,330,500 | 1,324 |
| Average earning assets | $474,792,500 | 1,401 |
| Average equity | $57,070,000 | 1,419 |
| Average total loans | $344,193,500 | 1,455 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1765% | 178 |
| Cost of funding earning assets | 1.1086% | 1,262 |
| Net interest margin | 5.0679% | 251 |
| Noninterest income to average assets | 1.0607% | 765 |
| Noninterest expense to average assets | 3.9882% | 546 |
| Loan and lease loss provision to assets | 0.1272% | 1,467 |
| Net operating income to assets | 1.0865% | 2,576 |
| Return on assets (ROA) | 1.0865% | 2,642 |
| Pretax return on assets | 1.3793% | 2,262 |
| Return on Equity (ROE) | 10.5141% | 2,168 |
| Retained earnings to average equity (ytd only) | 10.5141% | 635 |
| Net charge-offs to loans | 0.0792% | 1,571 |
| Credit loss provision to net charge-offs | 251.8248% | 1,007 |
| Earnings coverage of net charge-offs (x) | 29.8175% | 1,469 |
| Efficiency ratio | 70.6356% | 2,130 |
| Assets per employee ($millions) | 2.9306% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8913% | 4,131 |
| Loan loss allowance to noncurrent loans | 54.4785% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2163% | 1,084 |
| Noncurrent loans to loans | 1.6360% | 942 |
| Net loans and leases to total assets | 61.7450% | 3,577 |
| Net loans and leases to deposits | 70.9438% | 3,769 |
| Net loans and leases to core deposits | 73.6117% | 3,914 |
| Total domestic deposits to total assets | 87.0336% | 1,585 |
| Equity capital to assets | 10.4737% | 3,537 |
| Core capital (leverage) ratio | 9.0987% | 4,553 |
| Tier 1 risk-based capital ratio | 12.5813% | 4,087 |
| Total risk-based capital ratio | 13.3759% | 4,234 |
| Memoranda: |
| Average total assets | $542,305,330 | 1,327 |
| Average earning assets | $474,477,000 | 1,400 |
| Average equity | $56,039,000 | 1,433 |
| Average total loans | $346,010,670 | 1,454 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1565% | 171 |
| Cost of funding earning assets | 1.0172% | 1,494 |
| Net interest margin | 5.1392% | 223 |
| Noninterest income to average assets | 0.9670% | 886 |
| Noninterest expense to average assets | 4.1815% | 415 |
| Loan and lease loss provision to assets | 0.0975% | 1,799 |
| Net operating income to assets | 0.9348% | 3,110 |
| Return on assets (ROA) | 0.9348% | 3,149 |
| Pretax return on assets | 1.1874% | 2,855 |
| Return on Equity (ROE) | 9.1113% | 2,764 |
| Retained earnings to average equity (ytd only) | 9.1113% | 1,288 |
| Net charge-offs to loans | 0.1277% | 984 |
| Credit loss provision to net charge-offs | 118.1818% | 1,425 |
| Earnings coverage of net charge-offs (x) | 15.5818% | 1,732 |
| Efficiency ratio | 74.5063% | 1,680 |
| Assets per employee ($millions) | 2.7678% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8354% | 4,405 |
| Loan loss allowance to noncurrent loans | 56.8536% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 1,082 |
| Noncurrent loans to loans | 1.4693% | 1,102 |
| Net loans and leases to total assets | 63.5711% | 3,338 |
| Net loans and leases to deposits | 73.3039% | 3,506 |
| Net loans and leases to core deposits | 76.1683% | 3,652 |
| Total domestic deposits to total assets | 86.7226% | 1,945 |
| Equity capital to assets | 10.2009% | 3,617 |
| Core capital (leverage) ratio | 9.1408% | 4,531 |
| Tier 1 risk-based capital ratio | 11.9344% | 4,497 |
| Total risk-based capital ratio | 12.6656% | 4,687 |
| Memoranda: |
| Average total assets | $533,585,000 | 1,355 |
| Average earning assets | $467,150,000 | 1,432 |
| Average equity | $54,745,500 | 1,455 |
| Average total loans | $344,654,500 | 1,463 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7501% | 254 |
| Cost of funding earning assets | 0.7241% | 1,933 |
| Net interest margin | 5.0260% | 253 |
| Noninterest income to average assets | 0.9756% | 994 |
| Noninterest expense to average assets | 4.4367% | 314 |
| Loan and lease loss provision to assets | 0.4103% | 327 |
| Net operating income to assets | 0.4815% | 4,699 |
| Return on assets (ROA) | 0.4574% | 4,753 |
| Pretax return on assets | 0.5672% | 4,690 |
| Return on Equity (ROE) | 4.7631% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.7631% | 2,910 |
| Net charge-offs to loans | -0.0149% | 4,610 |
| Credit loss provision to net charge-offs | -4,358.9744% | 4,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5932% | 908 |
| Assets per employee ($millions) | 2.6693% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2656% | 2,223 |
| Loan loss allowance to noncurrent loans | 145.8616% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 1,902 |
| Noncurrent loans to loans | 0.8677% | 1,859 |
| Net loans and leases to total assets | 64.4486% | 3,308 |
| Net loans and leases to deposits | 74.1791% | 3,487 |
| Net loans and leases to core deposits | 77.9748% | 3,583 |
| Total domestic deposits to total assets | 86.8824% | 1,836 |
| Equity capital to assets | 10.1369% | 3,537 |
| Core capital (leverage) ratio | 8.7534% | 4,843 |
| Tier 1 risk-based capital ratio | 11.8035% | 4,566 |
| Total risk-based capital ratio | 12.9219% | 4,523 |
| Memoranda: |
| Average total assets | $414,290,600 | 1,655 |
| Average earning assets | $368,322,400 | 1,731 |
| Average equity | $39,785,000 | 1,878 |
| Average total loans | $261,966,600 | 1,770 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2855% | 538 |
| Cost of funding earning assets | 0.6914% | 1,894 |
| Net interest margin | 4.5941% | 605 |
| Noninterest income to average assets | 0.9979% | 963 |
| Noninterest expense to average assets | 4.3008% | 356 |
| Loan and lease loss provision to assets | 0.0344% | 3,324 |
| Net operating income to assets | 0.6230% | 4,440 |
| Return on assets (ROA) | 0.5887% | 4,539 |
| Pretax return on assets | 0.7263% | 4,476 |
| Return on Equity (ROE) | 6.2468% | 4,190 |
| Retained earnings to average equity (ytd only) | 6.2468% | 2,522 |
| Net charge-offs to loans | -0.0599% | 4,997 |
| Credit loss provision to net charge-offs | -91.7431% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2676% | 628 |
| Assets per employee ($millions) | 2.6199% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7897% | 4,657 |
| Loan loss allowance to noncurrent loans | 115.1288% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 2,361 |
| Noncurrent loans to loans | 0.6860% | 2,367 |
| Net loans and leases to total assets | 64.4767% | 3,365 |
| Net loans and leases to deposits | 73.3797% | 3,652 |
| Net loans and leases to core deposits | 77.2351% | 3,717 |
| Total domestic deposits to total assets | 87.8673% | 1,298 |
| Equity capital to assets | 9.6500% | 3,954 |
| Core capital (leverage) ratio | 8.7549% | 4,919 |
| Tier 1 risk-based capital ratio | 11.4655% | 4,809 |
| Total risk-based capital ratio | 12.1630% | 4,977 |
| Memoranda: |
| Average total assets | $387,734,750 | 1,776 |
| Average earning assets | $346,524,500 | 1,827 |
| Average equity | $36,540,250 | 2,004 |
| Average total loans | $242,517,250 | 1,873 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4514% | 349 |
| Cost of funding earning assets | 0.7005% | 1,621 |
| Net interest margin | 4.7510% | 391 |
| Noninterest income to average assets | 1.0686% | 843 |
| Noninterest expense to average assets | 3.8341% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2134% | 2,138 |
| Return on assets (ROA) | 1.2134% | 2,135 |
| Pretax return on assets | 1.5124% | 1,769 |
| Return on Equity (ROE) | 13.0421% | 1,355 |
| Retained earnings to average equity (ytd only) | 13.0421% | 372 |
| Net charge-offs to loans | -0.1037% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7124% | 2,050 |
| Assets per employee ($millions) | 3.1409% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3272% | 2,046 |
| Loan loss allowance to noncurrent loans | 134.6795% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 1,901 |
| Noncurrent loans to loans | 0.9855% | 1,774 |
| Net loans and leases to total assets | 56.3844% | 4,129 |
| Net loans and leases to deposits | 64.1351% | 4,272 |
| Net loans and leases to core deposits | 66.4543% | 4,346 |
| Total domestic deposits to total assets | 87.9150% | 1,427 |
| Equity capital to assets | 9.1895% | 4,390 |
| Core capital (leverage) ratio | 9.8913% | 3,689 |
| Tier 1 risk-based capital ratio | 13.8736% | 3,423 |
| Total risk-based capital ratio | 14.9547% | 3,410 |
| Memoranda: |
| Average total assets | $337,080,670 | 1,978 |
| Average earning assets | $303,516,330 | 2,026 |
| Average equity | $31,360,000 | 2,264 |
| Average total loans | $206,440,000 | 2,137 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4148% | 322 |
| Cost of funding earning assets | 0.6432% | 1,758 |
| Net interest margin | 4.7716% | 361 |
| Noninterest income to average assets | 0.9159% | 1,113 |
| Noninterest expense to average assets | 3.8638% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0869% | 2,487 |
| Return on assets (ROA) | 1.0869% | 2,503 |
| Pretax return on assets | 1.3538% | 2,173 |
| Return on Equity (ROE) | 11.6075% | 1,719 |
| Retained earnings to average equity (ytd only) | 11.6075% | 763 |
| Net charge-offs to loans | -0.2027% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0525% | 1,895 |
| Assets per employee ($millions) | 3.1275% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2712% | 2,394 |
| Loan loss allowance to noncurrent loans | 85.2894% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.4490% | 984 |
| Noncurrent loans to loans | 1.4904% | 1,183 |
| Net loans and leases to total assets | 61.8981% | 3,566 |
| Net loans and leases to deposits | 69.2598% | 3,849 |
| Net loans and leases to core deposits | 71.7130% | 3,984 |
| Total domestic deposits to total assets | 89.3709% | 933 |
| Equity capital to assets | 9.2405% | 4,329 |
| Core capital (leverage) ratio | 10.0029% | 3,537 |
| Tier 1 risk-based capital ratio | 13.0676% | 3,916 |
| Total risk-based capital ratio | 14.1381% | 3,904 |
| Memoranda: |
| Average total assets | $329,730,000 | 2,020 |
| Average earning assets | $297,260,000 | 2,078 |
| Average equity | $30,876,500 | 2,312 |
| Average total loans | $209,151,000 | 2,125 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4263% | 297 |
| Cost of funding earning assets | 0.5641% | 1,860 |
| Net interest margin | 4.8622% | 299 |
| Noninterest income to average assets | 0.9424% | 1,156 |
| Noninterest expense to average assets | 3.8696% | 640 |
| Loan and lease loss provision to assets | 0.0379% | 3,509 |
| Net operating income to assets | 0.9402% | 2,493 |
| Return on assets (ROA) | 0.9402% | 2,528 |
| Pretax return on assets | 1.4239% | 1,912 |
| Return on Equity (ROE) | 10.5275% | 1,667 |
| Retained earnings to average equity (ytd only) | 8.2312% | 685 |
| Net charge-offs to loans | -0.0711% | 5,284 |
| Credit loss provision to net charge-offs | -83.9161% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5826% | 2,139 |
| Assets per employee ($millions) | 3.0356% | 5,171 |
| Cash dividends to net income (ytd only)* | 21.8121% | 3,621 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2283% | 2,610 |
| Loan loss allowance to noncurrent loans | 78.8728% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 885 |
| Noncurrent loans to loans | 1.5574% | 1,089 |
| Net loans and leases to total assets | 63.4008% | 3,437 |
| Net loans and leases to deposits | 71.3219% | 3,757 |
| Net loans and leases to core deposits | 73.7631% | 3,894 |
| Total domestic deposits to total assets | 88.8939% | 1,048 |
| Equity capital to assets | 9.4916% | 4,242 |
| Core capital (leverage) ratio | 9.6337% | 3,883 |
| Tier 1 risk-based capital ratio | 12.8000% | 4,036 |
| Total risk-based capital ratio | 13.8364% | 4,047 |
| Memoranda: |
| Average total assets | $316,956,600 | 2,081 |
| Average earning assets | $286,104,000 | 2,125 |
| Average equity | $28,306,800 | 2,473 |
| Average total loans | $201,232,200 | 2,145 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3660% | 312 |
| Cost of funding earning assets | 0.5532% | 1,871 |
| Net interest margin | 4.8128% | 323 |
| Noninterest income to average assets | 0.9435% | 1,159 |
| Noninterest expense to average assets | 3.8726% | 617 |
| Loan and lease loss provision to assets | 0.0508% | 3,079 |
| Net operating income to assets | 0.9418% | 2,821 |
| Return on assets (ROA) | 0.9418% | 2,885 |
| Pretax return on assets | 1.3693% | 2,224 |
| Return on Equity (ROE) | 10.7190% | 1,816 |
| Retained earnings to average equity (ytd only) | 7.5876% | 1,395 |
| Net charge-offs to loans | -0.0174% | 4,807 |
| Credit loss provision to net charge-offs | -461.5385% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1686% | 2,015 |
| Assets per employee ($millions) | 3.1314% | 5,146 |
| Cash dividends to net income (ytd only)* | 29.2137% | 2,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1939% | 2,961 |
| Loan loss allowance to noncurrent loans | 56.4956% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.5578% | 963 |
| Noncurrent loans to loans | 2.1132% | 780 |
| Net loans and leases to total assets | 61.5160% | 3,713 |
| Net loans and leases to deposits | 69.4805% | 4,002 |
| Net loans and leases to core deposits | 71.8251% | 4,147 |
| Total domestic deposits to total assets | 88.5372% | 1,103 |
| Equity capital to assets | 9.3360% | 4,616 |
| Core capital (leverage) ratio | 9.3815% | 4,315 |
| Tier 1 risk-based capital ratio | 12.6832% | 4,220 |
| Total risk-based capital ratio | 13.6922% | 4,263 |
| Memoranda: |
| Average total assets | $314,992,500 | 2,106 |
| Average earning assets | $284,650,500 | 2,142 |
| Average equity | $27,676,000 | 2,526 |
| Average total loans | $199,416,500 | 2,165 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3193% | 320 |
| Cost of funding earning assets | 0.5296% | 1,921 |
| Net interest margin | 4.7897% | 330 |
| Noninterest income to average assets | 0.9433% | 1,147 |
| Noninterest expense to average assets | 3.9679% | 548 |
| Loan and lease loss provision to assets | 0.0773% | 2,436 |
| Net operating income to assets | 0.8460% | 3,176 |
| Return on assets (ROA) | 0.8460% | 3,221 |
| Pretax return on assets | 1.2165% | 2,713 |
| Return on Equity (ROE) | 9.8466% | 2,104 |
| Retained earnings to average equity (ytd only) | 6.4719% | 1,863 |
| Net charge-offs to loans | 0.0020% | 3,444 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,004.0000% | 68 |
| Efficiency ratio | 75.4102% | 1,808 |
| Assets per employee ($millions) | 3.0686% | 5,212 |
| Cash dividends to net income (ytd only)* | 34.2727% | 2,615 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2023% | 3,000 |
| Loan loss allowance to noncurrent loans | 56.2515% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.5505% | 964 |
| Noncurrent loans to loans | 2.1374% | 767 |
| Net loans and leases to total assets | 60.4657% | 3,802 |
| Net loans and leases to deposits | 68.1915% | 4,051 |
| Net loans and leases to core deposits | 70.2450% | 4,207 |
| Total domestic deposits to total assets | 88.6705% | 1,119 |
| Equity capital to assets | 8.3560% | 5,382 |
| Core capital (leverage) ratio | 8.5771% | 5,166 |
| Tier 1 risk-based capital ratio | 11.7052% | 4,838 |
| Total risk-based capital ratio | 12.7337% | 4,860 |
| Memoranda: |
| Average total assets | $310,389,330 | 2,129 |
| Average earning assets | $279,850,330 | 2,173 |
| Average equity | $26,669,000 | 2,584 |
| Average total loans | $197,652,000 | 2,188 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4206% | 262 |
| Cost of funding earning assets | 0.4945% | 2,133 |
| Net interest margin | 4.9260% | 252 |
| Noninterest income to average assets | 0.9714% | 1,058 |
| Noninterest expense to average assets | 4.1113% | 475 |
| Loan and lease loss provision to assets | 0.0796% | 2,218 |
| Net operating income to assets | 0.8427% | 3,025 |
| Return on assets (ROA) | 0.8427% | 3,074 |
| Pretax return on assets | 1.2090% | 2,555 |
| Return on Equity (ROE) | 9.6631% | 2,117 |
| Retained earnings to average equity (ytd only) | 6.6196% | 2,017 |
| Net charge-offs to loans | 0.0224% | 2,320 |
| Credit loss provision to net charge-offs | 545.4545% | 543 |
| Earnings coverage of net charge-offs (x) | 88.2727% | 607 |
| Efficiency ratio | 76.1366% | 1,886 |
| Assets per employee ($millions) | 3.1372% | 5,239 |
| Cash dividends to net income (ytd only)* | 31.4961% | 2,287 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1569% | 3,377 |
| Loan loss allowance to noncurrent loans | 68.2069% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.3372% | 1,263 |
| Noncurrent loans to loans | 1.6962% | 1,127 |
| Net loans and leases to total assets | 63.2839% | 3,362 |
| Net loans and leases to deposits | 71.7680% | 3,631 |
| Net loans and leases to core deposits | 73.5329% | 3,878 |
| Total domestic deposits to total assets | 88.1784% | 1,605 |
| Equity capital to assets | 8.3904% | 5,307 |
| Core capital (leverage) ratio | 9.1872% | 4,499 |
| Tier 1 risk-based capital ratio | 11.6217% | 4,962 |
| Total risk-based capital ratio | 12.6301% | 5,004 |
| Memoranda: |
| Average total assets | $301,415,000 | 2,201 |
| Average earning assets | $270,968,000 | 2,241 |
| Average equity | $26,285,500 | 2,615 |
| Average total loans | $196,004,000 | 2,218 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5356% | 237 |
| Cost of funding earning assets | 0.5013% | 2,081 |
| Net interest margin | 5.0343% | 235 |
| Noninterest income to average assets | 1.0370% | 1,052 |
| Noninterest expense to average assets | 3.9919% | 606 |
| Loan and lease loss provision to assets | 0.0597% | 3,192 |
| Net operating income to assets | 1.0409% | 2,180 |
| Return on assets (ROA) | 1.0714% | 2,136 |
| Pretax return on assets | 1.5585% | 1,407 |
| Return on Equity (ROE) | 11.8411% | 1,293 |
| Retained earnings to average equity (ytd only) | 3.9871% | 3,081 |
| Net charge-offs to loans | 0.2191% | 1,260 |
| Credit loss provision to net charge-offs | 42.1836% | 3,476 |
| Earnings coverage of net charge-offs (x) | 11.1290% | 2,565 |
| Efficiency ratio | 71.7213% | 2,631 |
| Assets per employee ($millions) | 2.7764% | 5,507 |
| Cash dividends to net income (ytd only)* | 66.3282% | 1,480 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2150% | 3,030 |
| Loan loss allowance to noncurrent loans | 217.8199% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 3,803 |
| Noncurrent loans to loans | 0.5578% | 3,171 |
| Net loans and leases to total assets | 65.3361% | 3,172 |
| Net loans and leases to deposits | 72.2443% | 3,689 |
| Net loans and leases to core deposits | 73.9712% | 3,927 |
| Total domestic deposits to total assets | 90.4378% | 469 |
| Equity capital to assets | 9.0866% | 4,724 |
| Core capital (leverage) ratio | 9.2590% | 4,393 |
| Tier 1 risk-based capital ratio | 12.1961% | 4,580 |
| Total risk-based capital ratio | 13.2499% | 4,612 |
| Memoranda: |
| Average total assets | $284,951,200 | 2,249 |
| Average earning assets | $256,342,800 | 2,307 |
| Average equity | $25,783,000 | 2,653 |
| Average total loans | $183,918,000 | 2,275 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5300% | 237 |
| Cost of funding earning assets | 0.5033% | 2,076 |
| Net interest margin | 5.0267% | 238 |
| Noninterest income to average assets | 0.9404% | 1,272 |
| Noninterest expense to average assets | 3.8950% | 683 |
| Loan and lease loss provision to assets | 0.0375% | 3,494 |
| Net operating income to assets | 1.0525% | 2,191 |
| Return on assets (ROA) | 1.0842% | 2,167 |
| Pretax return on assets | 1.5764% | 1,445 |
| Return on Equity (ROE) | 11.9949% | 1,325 |
| Retained earnings to average equity (ytd only) | 1.5026% | 4,913 |
| Net charge-offs to loans | 0.2826% | 814 |
| Credit loss provision to net charge-offs | 20.6718% | 3,291 |
| Earnings coverage of net charge-offs (x) | 8.6511% | 2,745 |
| Efficiency ratio | 71.2988% | 2,684 |
| Assets per employee ($millions) | 2.8464% | 5,509 |
| Cash dividends to net income (ytd only)* | 87.4729% | 579 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1810% | 3,368 |
| Loan loss allowance to noncurrent loans | 481.3853% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,791 |
| Noncurrent loans to loans | 0.2453% | 4,392 |
| Net loans and leases to total assets | 64.7302% | 3,307 |
| Net loans and leases to deposits | 72.2302% | 3,784 |
| Net loans and leases to core deposits | 74.0004% | 4,002 |
| Total domestic deposits to total assets | 89.6166% | 619 |
| Equity capital to assets | 9.2053% | 4,966 |
| Core capital (leverage) ratio | 8.8844% | 4,960 |
| Tier 1 risk-based capital ratio | 12.1070% | 4,720 |
| Total risk-based capital ratio | 13.1489% | 4,748 |
| Memoranda: |
| Average total assets | $284,696,750 | 2,258 |
| Average earning assets | $256,146,500 | 2,318 |
| Average equity | $25,732,500 | 2,676 |
| Average total loans | $182,612,750 | 2,289 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4517% | 274 |
| Cost of funding earning assets | 0.5058% | 2,057 |
| Net interest margin | 4.9459% | 286 |
| Noninterest income to average assets | 0.9226% | 1,306 |
| Noninterest expense to average assets | 3.8511% | 715 |
| Loan and lease loss provision to assets | 0.0211% | 3,713 |
| Net operating income to assets | 1.0323% | 2,243 |
| Return on assets (ROA) | 1.0678% | 2,217 |
| Pretax return on assets | 1.5541% | 1,507 |
| Return on Equity (ROE) | 11.8876% | 1,358 |
| Retained earnings to average equity (ytd only) | -2.4325% | 5,577 |
| Net charge-offs to loans | 0.0509% | 2,476 |
| Credit loss provision to net charge-offs | 65.2174% | 2,520 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,035 |
| Efficiency ratio | 71.6496% | 2,723 |
| Assets per employee ($millions) | 2.9715% | 5,461 |
| Cash dividends to net income (ytd only)* | 120.4620% | 342 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3763% | 2,405 |
| Loan loss allowance to noncurrent loans | 185.1988% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 3,213 |
| Noncurrent loans to loans | 0.7431% | 2,880 |
| Net loans and leases to total assets | 61.8888% | 3,640 |
| Net loans and leases to deposits | 68.6951% | 4,113 |
| Net loans and leases to core deposits | 70.4821% | 4,291 |
| Total domestic deposits to total assets | 90.0921% | 455 |
| Equity capital to assets | 8.8544% | 5,356 |
| Core capital (leverage) ratio | 8.7447% | 5,111 |
| Tier 1 risk-based capital ratio | 12.2947% | 4,648 |
| Total risk-based capital ratio | 13.5206% | 4,583 |
| Memoranda: |
| Average total assets | $283,766,670 | 2,275 |
| Average earning assets | $255,443,330 | 2,340 |
| Average equity | $25,488,670 | 2,705 |
| Average total loans | $180,712,000 | 2,309 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5816% | 226 |
| Cost of funding earning assets | 0.4982% | 2,127 |
| Net interest margin | 5.0834% | 213 |
| Noninterest income to average assets | 0.9584% | 1,164 |
| Noninterest expense to average assets | 3.8480% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1418% | 1,742 |
| Return on assets (ROA) | 1.2127% | 1,615 |
| Pretax return on assets | 1.7769% | 882 |
| Return on Equity (ROE) | 13.4015% | 944 |
| Retained earnings to average equity (ytd only) | -15.4062% | 5,913 |
| Net charge-offs to loans | -0.0156% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7025% | 3,185 |
| Assets per employee ($millions) | 2.9822% | 5,527 |
| Cash dividends to net income (ytd only)* | 214.9588% | 222 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3950% | 2,451 |
| Loan loss allowance to noncurrent loans | 177.7311% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 3,084 |
| Noncurrent loans to loans | 0.7849% | 2,876 |
| Net loans and leases to total assets | 62.6615% | 3,434 |
| Net loans and leases to deposits | 70.0562% | 3,852 |
| Net loans and leases to core deposits | 71.4707% | 4,109 |
| Total domestic deposits to total assets | 89.4446% | 861 |
| Equity capital to assets | 8.7265% | 5,404 |
| Core capital (leverage) ratio | 8.9149% | 4,952 |
| Tier 1 risk-based capital ratio | 12.0168% | 4,904 |
| Total risk-based capital ratio | 13.2594% | 4,829 |
| Memoranda: |
| Average total assets | $280,044,500 | 2,316 |
| Average earning assets | $251,325,500 | 2,376 |
| Average equity | $25,340,500 | 2,719 |
| Average total loans | $179,697,000 | 2,314 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4315% | 300 |
| Cost of funding earning assets | 0.4796% | 2,355 |
| Net interest margin | 4.9520% | 278 |
| Noninterest income to average assets | 1.0489% | 1,070 |
| Noninterest expense to average assets | 3.9886% | 684 |
| Loan and lease loss provision to assets | 0.0717% | 2,837 |
| Net operating income to assets | 1.0466% | 2,138 |
| Return on assets (ROA) | 1.0466% | 2,227 |
| Pretax return on assets | 1.4665% | 1,665 |
| Return on Equity (ROE) | 11.3633% | 1,479 |
| Retained earnings to average equity (ytd only) | 8.9300% | 666 |
| Net charge-offs to loans | 0.0885% | 2,558 |
| Credit loss provision to net charge-offs | 127.1523% | 2,044 |
| Earnings coverage of net charge-offs (x) | 27.2715% | 1,549 |
| Efficiency ratio | 72.1682% | 2,883 |
| Assets per employee ($millions) | 2.8521% | 5,658 |
| Cash dividends to net income (ytd only)* | 21.4133% | 3,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4262% | 2,313 |
| Loan loss allowance to noncurrent loans | 134.5561% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8521% | 2,539 |
| Noncurrent loans to loans | 1.0599% | 2,218 |
| Net loans and leases to total assets | 63.8904% | 3,303 |
| Net loans and leases to deposits | 71.8118% | 3,738 |
| Net loans and leases to core deposits | 73.2564% | 4,017 |
| Total domestic deposits to total assets | 88.9693% | 1,130 |
| Equity capital to assets | 9.3857% | 4,692 |
| Core capital (leverage) ratio | 9.3982% | 4,326 |
| Tier 1 risk-based capital ratio | 12.7019% | 4,506 |
| Total risk-based capital ratio | 13.9519% | 4,411 |
| Memoranda: |
| Average total assets | $267,714,800 | 2,363 |
| Average earning assets | $242,085,800 | 2,406 |
| Average equity | $24,658,400 | 2,728 |
| Average total loans | $170,576,200 | 2,349 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4248% | 306 |
| Cost of funding earning assets | 0.4809% | 2,402 |
| Net interest margin | 4.9439% | 290 |
| Noninterest income to average assets | 1.0714% | 1,048 |
| Noninterest expense to average assets | 4.0010% | 665 |
| Loan and lease loss provision to assets | 0.0962% | 2,250 |
| Net operating income to assets | 1.0518% | 2,209 |
| Return on assets (ROA) | 1.0518% | 2,304 |
| Pretax return on assets | 1.4485% | 1,835 |
| Return on Equity (ROE) | 11.4758% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.1970% | 1,169 |
| Net charge-offs to loans | 0.0569% | 2,789 |
| Credit loss provision to net charge-offs | 266.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 42.8323% | 1,171 |
| Efficiency ratio | 72.1460% | 2,851 |
| Assets per employee ($millions) | 2.7954% | 5,761 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5109% | 2,113 |
| Loan loss allowance to noncurrent loans | 122.5352% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 2,471 |
| Noncurrent loans to loans | 1.2331% | 2,072 |
| Net loans and leases to total assets | 62.7433% | 3,497 |
| Net loans and leases to deposits | 71.3221% | 3,839 |
| Net loans and leases to core deposits | 72.6292% | 4,134 |
| Total domestic deposits to total assets | 87.9718% | 1,577 |
| Equity capital to assets | 9.3205% | 4,982 |
| Core capital (leverage) ratio | 9.1998% | 4,727 |
| Tier 1 risk-based capital ratio | 12.6713% | 4,630 |
| Total risk-based capital ratio | 13.9222% | 4,539 |
| Memoranda: |
| Average total assets | $266,193,500 | 2,393 |
| Average earning assets | $240,910,500 | 2,430 |
| Average equity | $24,398,500 | 2,766 |
| Average total loans | $168,854,500 | 2,380 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4397% | 297 |
| Cost of funding earning assets | 0.4820% | 2,414 |
| Net interest margin | 4.9577% | 271 |
| Noninterest income to average assets | 1.2762% | 750 |
| Noninterest expense to average assets | 4.0448% | 642 |
| Loan and lease loss provision to assets | 0.1452% | 1,482 |
| Net operating income to assets | 1.1499% | 1,784 |
| Return on assets (ROA) | 1.1499% | 1,848 |
| Pretax return on assets | 1.5657% | 1,438 |
| Return on Equity (ROE) | 12.6187% | 1,194 |
| Retained earnings to average equity (ytd only) | 9.3002% | 828 |
| Net charge-offs to loans | 0.0633% | 2,476 |
| Credit loss provision to net charge-offs | 362.2642% | 807 |
| Earnings coverage of net charge-offs (x) | 42.6981% | 1,080 |
| Efficiency ratio | 70.2745% | 3,291 |
| Assets per employee ($millions) | 2.7085% | 5,909 |
| Cash dividends to net income (ytd only)* | 26.2985% | 2,944 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5340% | 2,141 |
| Loan loss allowance to noncurrent loans | 122.7358% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.0764% | 2,362 |
| Noncurrent loans to loans | 1.2498% | 2,159 |
| Net loans and leases to total assets | 63.5781% | 3,331 |
| Net loans and leases to deposits | 72.7600% | 3,643 |
| Net loans and leases to core deposits | 74.3940% | 3,920 |
| Total domestic deposits to total assets | 87.3805% | 1,976 |
| Equity capital to assets | 9.2792% | 4,924 |
| Core capital (leverage) ratio | 9.1812% | 4,718 |
| Tier 1 risk-based capital ratio | 12.6665% | 4,701 |
| Total risk-based capital ratio | 13.9177% | 4,629 |
| Memoranda: |
| Average total assets | $264,540,000 | 2,416 |
| Average earning assets | $239,022,000 | 2,466 |
| Average equity | $24,107,000 | 2,801 |
| Average total loans | $167,559,000 | 2,398 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3974% | 306 |
| Cost of funding earning assets | 0.4829% | 2,430 |
| Net interest margin | 4.9145% | 291 |
| Noninterest income to average assets | 1.5510% | 511 |
| Noninterest expense to average assets | 4.0910% | 627 |
| Loan and lease loss provision to assets | 0.1999% | 929 |
| Net operating income to assets | 1.2980% | 1,285 |
| Return on assets (ROA) | 1.2980% | 1,371 |
| Pretax return on assets | 1.6994% | 1,051 |
| Return on Equity (ROE) | 14.3759% | 809 |
| Retained earnings to average equity (ytd only) | 11.0209% | 716 |
| Net charge-offs to loans | 0.1159% | 1,592 |
| Credit loss provision to net charge-offs | 275.0000% | 867 |
| Earnings coverage of net charge-offs (x) | 26.1250% | 1,249 |
| Efficiency ratio | 68.2933% | 3,771 |
| Assets per employee ($millions) | 2.7659% | 5,920 |
| Cash dividends to net income (ytd only)* | 23.3372% | 2,482 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5304% | 2,324 |
| Loan loss allowance to noncurrent loans | 106.8050% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 2,203 |
| Noncurrent loans to loans | 1.4329% | 1,992 |
| Net loans and leases to total assets | 62.3719% | 3,310 |
| Net loans and leases to deposits | 71.6180% | 3,570 |
| Net loans and leases to core deposits | 73.1451% | 3,858 |
| Total domestic deposits to total assets | 87.0897% | 2,321 |
| Equity capital to assets | 9.1385% | 5,151 |
| Core capital (leverage) ratio | 9.0932% | 4,853 |
| Tier 1 risk-based capital ratio | 12.2960% | 5,045 |
| Total risk-based capital ratio | 13.5471% | 4,960 |
| Memoranda: |
| Average total assets | $264,094,500 | 2,435 |
| Average earning assets | $238,560,000 | 2,484 |
| Average equity | $23,845,500 | 2,847 |
| Average total loans | $165,646,000 | 2,429 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6330% | 258 |
| Cost of funding earning assets | 0.5120% | 2,553 |
| Net interest margin | 5.1210% | 243 |
| Noninterest income to average assets | 0.9422% | 1,371 |
| Noninterest expense to average assets | 4.1204% | 669 |
| Loan and lease loss provision to assets | 0.1402% | 1,892 |
| Net operating income to assets | 0.8801% | 2,973 |
| Return on assets (ROA) | 0.8801% | 3,059 |
| Pretax return on assets | 1.2473% | 2,455 |
| Return on Equity (ROE) | 10.0830% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.1656% | 670 |
| Net charge-offs to loans | 0.1693% | 2,337 |
| Credit loss provision to net charge-offs | 131.5789% | 1,812 |
| Earnings coverage of net charge-offs (x) | 13.0263% | 2,315 |
| Efficiency ratio | 74.8092% | 2,696 |
| Assets per employee ($millions) | 2.7649% | 5,966 |
| Cash dividends to net income (ytd only)* | 9.0992% | 4,139 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5266% | 2,356 |
| Loan loss allowance to noncurrent loans | 102.6381% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 2,293 |
| Noncurrent loans to loans | 1.4874% | 1,974 |
| Net loans and leases to total assets | 61.1485% | 3,618 |
| Net loans and leases to deposits | 70.5200% | 3,840 |
| Net loans and leases to core deposits | 71.6440% | 4,163 |
| Total domestic deposits to total assets | 86.7108% | 2,443 |
| Equity capital to assets | 8.9186% | 5,366 |
| Core capital (leverage) ratio | 8.9505% | 5,063 |
| Tier 1 risk-based capital ratio | 13.0125% | 4,726 |
| Total risk-based capital ratio | 14.2643% | 4,633 |
| Memoranda: |
| Average total assets | $249,732,000 | 2,528 |
| Average earning assets | $222,653,200 | 2,600 |
| Average equity | $21,799,000 | 2,974 |
| Average total loans | $157,107,600 | 2,467 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6584% | 242 |
| Cost of funding earning assets | 0.5159% | 2,600 |
| Net interest margin | 5.1425% | 224 |
| Noninterest income to average assets | 0.9395% | 1,397 |
| Noninterest expense to average assets | 4.1643% | 636 |
| Loan and lease loss provision to assets | 0.1406% | 1,779 |
| Net operating income to assets | 0.8562% | 3,146 |
| Return on assets (ROA) | 0.8562% | 3,238 |
| Pretax return on assets | 1.2067% | 2,748 |
| Return on Equity (ROE) | 9.8662% | 2,280 |
| Retained earnings to average equity (ytd only) | 8.6197% | 1,118 |
| Net charge-offs to loans | 0.2639% | 1,478 |
| Credit loss provision to net charge-offs | 84.4156% | 2,515 |
| Earnings coverage of net charge-offs (x) | 8.0876% | 2,854 |
| Efficiency ratio | 75.5545% | 2,567 |
| Assets per employee ($millions) | 2.9354% | 5,802 |
| Cash dividends to net income (ytd only)* | 12.6343% | 3,469 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4669% | 2,869 |
| Loan loss allowance to noncurrent loans | 148.0226% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9374% | 3,096 |
| Noncurrent loans to loans | 0.9910% | 3,093 |
| Net loans and leases to total assets | 60.6253% | 3,686 |
| Net loans and leases to deposits | 66.5801% | 4,273 |
| Net loans and leases to core deposits | 67.5198% | 4,553 |
| Total domestic deposits to total assets | 91.0562% | 348 |
| Equity capital to assets | 8.6337% | 5,692 |
| Core capital (leverage) ratio | 8.7464% | 5,383 |
| Tier 1 risk-based capital ratio | 12.7318% | 5,022 |
| Total risk-based capital ratio | 13.9825% | 4,929 |
| Memoranda: |
| Average total assets | $246,499,000 | 2,569 |
| Average earning assets | $219,161,000 | 2,646 |
| Average equity | $21,392,250 | 3,016 |
| Average total loans | $155,608,250 | 2,496 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6984% | 222 |
| Cost of funding earning assets | 0.5273% | 2,562 |
| Net interest margin | 5.1711% | 213 |
| Noninterest income to average assets | 1.0291% | 1,124 |
| Noninterest expense to average assets | 4.2727% | 562 |
| Loan and lease loss provision to assets | 0.1407% | 1,756 |
| Net operating income to assets | 0.8453% | 3,099 |
| Return on assets (ROA) | 0.8453% | 3,200 |
| Pretax return on assets | 1.1864% | 2,724 |
| Return on Equity (ROE) | 9.7218% | 2,274 |
| Retained earnings to average equity (ytd only) | 7.8174% | 1,389 |
| Net charge-offs to loans | 0.4458% | 914 |
| Credit loss provision to net charge-offs | 49.5627% | 2,800 |
| Earnings coverage of net charge-offs (x) | 4.6735% | 3,065 |
| Efficiency ratio | 76.3010% | 2,568 |
| Assets per employee ($millions) | 2.8407% | 5,973 |
| Cash dividends to net income (ytd only)* | 19.5886% | 3,181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3888% | 3,411 |
| Loan loss allowance to noncurrent loans | 152.8405% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 3,276 |
| Noncurrent loans to loans | 0.9087% | 3,443 |
| Net loans and leases to total assets | 62.7129% | 3,285 |
| Net loans and leases to deposits | 68.7599% | 3,963 |
| Net loans and leases to core deposits | 69.7600% | 4,290 |
| Total domestic deposits to total assets | 91.2057% | 339 |
| Equity capital to assets | 8.5380% | 5,771 |
| Core capital (leverage) ratio | 8.8872% | 5,184 |
| Tier 1 risk-based capital ratio | 12.1265% | 5,470 |
| Total risk-based capital ratio | 13.3766% | 5,389 |
| Memoranda: |
| Average total assets | $241,580,670 | 2,628 |
| Average earning assets | $213,533,670 | 2,701 |
| Average equity | $21,004,330 | 3,053 |
| Average total loans | $153,896,330 | 2,518 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7391% | 206 |
| Cost of funding earning assets | 0.5577% | 2,367 |
| Net interest margin | 5.1814% | 190 |
| Noninterest income to average assets | 0.9934% | 1,143 |
| Noninterest expense to average assets | 4.4601% | 474 |
| Loan and lease loss provision to assets | 0.1356% | 1,789 |
| Net operating income to assets | 0.6764% | 3,810 |
| Return on assets (ROA) | 0.6764% | 3,893 |
| Pretax return on assets | 0.9493% | 3,524 |
| Return on Equity (ROE) | 7.7051% | 3,089 |
| Retained earnings to average equity (ytd only) | 4.8085% | 3,223 |
| Net charge-offs to loans | 0.9093% | 384 |
| Credit loss provision to net charge-offs | 23.3918% | 2,470 |
| Earnings coverage of net charge-offs (x) | 1.8713% | 3,003 |
| Efficiency ratio | 80.4341% | 2,144 |
| Assets per employee ($millions) | 2.7570% | 6,151 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,075 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4306% | 3,460 |
| Loan loss allowance to noncurrent loans | 111.4345% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 2.3818% | 1,364 |
| Noncurrent loans to loans | 1.2838% | 2,887 |
| Net loans and leases to total assets | 61.5843% | 3,299 |
| Net loans and leases to deposits | 67.7149% | 3,887 |
| Net loans and leases to core deposits | 68.8553% | 4,227 |
| Total domestic deposits to total assets | 90.9465% | 590 |
| Equity capital to assets | 8.7638% | 5,373 |
| Core capital (leverage) ratio | 9.0071% | 5,000 |
| Tier 1 risk-based capital ratio | 12.5469% | 5,287 |
| Total risk-based capital ratio | 13.7971% | 5,226 |
| Memoranda: |
| Average total assets | $235,960,000 | 2,682 |
| Average earning assets | $207,279,000 | 2,774 |
| Average equity | $20,713,500 | 3,091 |
| Average total loans | $150,452,000 | 2,575 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1599% | 133 |
| Cost of funding earning assets | 0.7365% | 1,582 |
| Net interest margin | 5.4234% | 151 |
| Noninterest income to average assets | 1.0397% | 1,299 |
| Noninterest expense to average assets | 4.3102% | 626 |
| Loan and lease loss provision to assets | 0.4144% | 716 |
| Net operating income to assets | 0.7168% | 3,707 |
| Return on assets (ROA) | 0.7311% | 3,738 |
| Pretax return on assets | 1.0559% | 3,129 |
| Return on Equity (ROE) | 7.8671% | 3,106 |
| Retained earnings to average equity (ytd only) | 1.9438% | 4,850 |
| Net charge-offs to loans | 0.5245% | 1,265 |
| Credit loss provision to net charge-offs | 120.4188% | 1,981 |
| Earnings coverage of net charge-offs (x) | 4.2120% | 3,635 |
| Efficiency ratio | 74.8318% | 2,980 |
| Assets per employee ($millions) | 2.7626% | 6,155 |
| Cash dividends to net income (ytd only)* | 75.2927% | 1,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5929% | 2,787 |
| Loan loss allowance to noncurrent loans | 110.7225% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 2.9450% | 1,084 |
| Noncurrent loans to loans | 1.4387% | 2,734 |
| Net loans and leases to total assets | 64.0515% | 3,036 |
| Net loans and leases to deposits | 71.3060% | 3,616 |
| Net loans and leases to core deposits | 72.4471% | 4,012 |
| Total domestic deposits to total assets | 89.8262% | 1,163 |
| Equity capital to assets | 8.7935% | 5,267 |
| Core capital (leverage) ratio | 9.0636% | 4,909 |
| Tier 1 risk-based capital ratio | 12.3464% | 5,396 |
| Total risk-based capital ratio | 13.5986% | 5,321 |
| Memoranda: |
| Average total assets | $221,984,000 | 2,791 |
| Average earning assets | $193,200,200 | 2,914 |
| Average equity | $20,630,200 | 3,088 |
| Average total loans | $145,671,000 | 2,620 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2309% | 129 |
| Cost of funding earning assets | 0.7575% | 1,554 |
| Net interest margin | 5.4735% | 141 |
| Noninterest income to average assets | 1.0304% | 1,373 |
| Noninterest expense to average assets | 4.1822% | 697 |
| Loan and lease loss provision to assets | 0.4192% | 701 |
| Net operating income to assets | 0.8147% | 3,274 |
| Return on assets (ROA) | 0.8335% | 3,301 |
| Pretax return on assets | 1.2150% | 2,638 |
| Return on Equity (ROE) | 8.8430% | 2,714 |
| Retained earnings to average equity (ytd only) | 1.9014% | 5,178 |
| Net charge-offs to loans | 0.5109% | 1,258 |
| Credit loss provision to net charge-offs | 124.7740% | 1,889 |
| Earnings coverage of net charge-offs (x) | 4.7830% | 3,354 |
| Efficiency ratio | 72.2426% | 3,359 |
| Assets per employee ($millions) | 2.7183% | 6,256 |
| Cash dividends to net income (ytd only)* | 78.4982% | 833 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6425% | 2,830 |
| Loan loss allowance to noncurrent loans | 104.0087% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 3.1517% | 1,150 |
| Noncurrent loans to loans | 1.5792% | 2,801 |
| Net loans and leases to total assets | 63.3539% | 3,101 |
| Net loans and leases to deposits | 70.8477% | 3,659 |
| Net loans and leases to core deposits | 71.9251% | 4,104 |
| Total domestic deposits to total assets | 89.4226% | 1,341 |
| Equity capital to assets | 9.0040% | 5,184 |
| Core capital (leverage) ratio | 9.2853% | 4,709 |
| Tier 1 risk-based capital ratio | 12.8273% | 5,240 |
| Total risk-based capital ratio | 14.0799% | 5,174 |
| Memoranda: |
| Average total assets | $219,465,750 | 2,836 |
| Average earning assets | $190,806,500 | 2,962 |
| Average equity | $20,686,250 | 3,116 |
| Average total loans | $144,328,250 | 2,657 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3130% | 118 |
| Cost of funding earning assets | 0.7879% | 1,480 |
| Net interest margin | 5.5251% | 129 |
| Noninterest income to average assets | 1.0662% | 1,350 |
| Noninterest expense to average assets | 4.0890% | 783 |
| Loan and lease loss provision to assets | 0.2530% | 1,465 |
| Net operating income to assets | 1.0371% | 2,168 |
| Return on assets (ROA) | 1.0653% | 2,173 |
| Pretax return on assets | 1.5648% | 1,451 |
| Return on Equity (ROE) | 11.1293% | 1,777 |
| Retained earnings to average equity (ytd only) | 2.0183% | 4,987 |
| Net charge-offs to loans | 0.0542% | 3,919 |
| Credit loss provision to net charge-offs | 705.1282% | 423 |
| Earnings coverage of net charge-offs (x) | 49.5128% | 808 |
| Efficiency ratio | 69.7146% | 3,880 |
| Assets per employee ($millions) | 2.8716% | 6,068 |
| Cash dividends to net income (ytd only)* | 81.8653% | 867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6835% | 2,840 |
| Loan loss allowance to noncurrent loans | 98.1058% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 3.3046% | 1,190 |
| Noncurrent loans to loans | 1.7160% | 2,743 |
| Net loans and leases to total assets | 65.6586% | 2,651 |
| Net loans and leases to deposits | 73.6537% | 3,206 |
| Net loans and leases to core deposits | 74.7966% | 3,691 |
| Total domestic deposits to total assets | 89.1450% | 1,543 |
| Equity capital to assets | 9.2495% | 4,924 |
| Core capital (leverage) ratio | 9.2967% | 4,543 |
| Tier 1 risk-based capital ratio | 12.5951% | 5,438 |
| Total risk-based capital ratio | 13.8487% | 5,371 |
| Memoranda: |
| Average total assets | $217,413,330 | 2,877 |
| Average earning assets | $188,848,330 | 3,010 |
| Average equity | $20,810,000 | 3,112 |
| Average total loans | $143,995,000 | 2,660 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2451% | 124 |
| Cost of funding earning assets | 0.8172% | 1,432 |
| Net interest margin | 5.4280% | 137 |
| Noninterest income to average assets | 1.0725% | 1,293 |
| Noninterest expense to average assets | 4.0285% | 856 |
| Loan and lease loss provision to assets | 0.0835% | 3,258 |
| Net operating income to assets | 1.1401% | 1,717 |
| Return on assets (ROA) | 1.1969% | 1,643 |
| Pretax return on assets | 1.7647% | 946 |
| Return on Equity (ROE) | 12.2922% | 1,348 |
| Retained earnings to average equity (ytd only) | 3.4875% | 4,157 |
| Net charge-offs to loans | -0.1773% | 6,652 |
| Credit loss provision to net charge-offs | -71.4286% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5388% | 4,050 |
| Assets per employee ($millions) | 2.9114% | 6,132 |
| Cash dividends to net income (ytd only)* | 71.6279% | 1,050 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6553% | 3,178 |
| Loan loss allowance to noncurrent loans | 153.0175% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 2.8916% | 1,559 |
| Noncurrent loans to loans | 1.0818% | 3,987 |
| Net loans and leases to total assets | 64.1589% | 2,674 |
| Net loans and leases to deposits | 74.5366% | 2,846 |
| Net loans and leases to core deposits | 75.5414% | 3,378 |
| Total domestic deposits to total assets | 86.0770% | 3,490 |
| Equity capital to assets | 9.6113% | 4,694 |
| Core capital (leverage) ratio | 9.5277% | 4,028 |
| Tier 1 risk-based capital ratio | 12.6709% | 5,452 |
| Total risk-based capital ratio | 13.9233% | 5,405 |
| Memoranda: |
| Average total assets | $215,562,500 | 2,926 |
| Average earning assets | $187,473,500 | 3,050 |
| Average equity | $20,989,000 | 3,131 |
| Average total loans | $142,159,000 | 2,693 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3215% | 164 |
| Cost of funding earning assets | 0.9934% | 1,391 |
| Net interest margin | 5.3281% | 226 |
| Noninterest income to average assets | 0.6437% | 3,028 |
| Noninterest expense to average assets | 4.1881% | 779 |
| Loan and lease loss provision to assets | 0.2491% | 2,661 |
| Net operating income to assets | 0.5533% | 4,461 |
| Return on assets (ROA) | 0.6200% | 4,404 |
| Pretax return on assets | 0.9048% | 3,898 |
| Return on Equity (ROE) | 6.1565% | 4,083 |
| Retained earnings to average equity (ytd only) | 0.8692% | 5,434 |
| Net charge-offs to loans | 0.0698% | 4,985 |
| Credit loss provision to net charge-offs | 572.2222% | 432 |
| Earnings coverage of net charge-offs (x) | 24.2889% | 1,180 |
| Efficiency ratio | 79.8451% | 2,167 |
| Assets per employee ($millions) | 2.7996% | 6,320 |
| Cash dividends to net income (ytd only)* | 85.8814% | 821 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5860% | 3,378 |
| Loan loss allowance to noncurrent loans | 122.2826% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 3.0799% | 1,527 |
| Noncurrent loans to loans | 1.2970% | 3,668 |
| Net loans and leases to total assets | 65.6183% | 2,585 |
| Net loans and leases to deposits | 76.4016% | 2,733 |
| Net loans and leases to core deposits | 77.4575% | 3,343 |
| Total domestic deposits to total assets | 85.8860% | 3,408 |
| Equity capital to assets | 9.8657% | 4,358 |
| Core capital (leverage) ratio | 9.4865% | 4,128 |
| Tier 1 risk-based capital ratio | 12.6435% | 5,368 |
| Total risk-based capital ratio | 13.8954% | 5,313 |
| Memoranda: |
| Average total assets | $206,777,800 | 2,965 |
| Average earning assets | $178,581,800 | 3,109 |
| Average equity | $20,823,400 | 3,103 |
| Average total loans | $128,972,200 | 2,902 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2930% | 182 |
| Cost of funding earning assets | 1.0110% | 1,492 |
| Net interest margin | 5.2820% | 249 |
| Noninterest income to average assets | 0.5144% | 3,832 |
| Noninterest expense to average assets | 4.1653% | 761 |
| Loan and lease loss provision to assets | 0.3053% | 2,164 |
| Net operating income to assets | 0.4150% | 5,183 |
| Return on assets (ROA) | 0.5047% | 5,089 |
| Pretax return on assets | 0.7346% | 4,725 |
| Return on Equity (ROE) | 4.9851% | 4,824 |
| Retained earnings to average equity (ytd only) | 0.5261% | 5,930 |
| Net charge-offs to loans | 0.0944% | 4,435 |
| Credit loss provision to net charge-offs | 528.0899% | 513 |
| Earnings coverage of net charge-offs (x) | 15.7420% | 1,734 |
| Efficiency ratio | 82.0706% | 1,802 |
| Assets per employee ($millions) | 2.6937% | 6,495 |
| Cash dividends to net income (ytd only)* | 89.4466% | 470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5997% | 3,518 |
| Loan loss allowance to noncurrent loans | 130.3783% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 3.1370% | 1,652 |
| Noncurrent loans to loans | 1.2270% | 4,001 |
| Net loans and leases to total assets | 64.5834% | 2,912 |
| Net loans and leases to deposits | 76.9850% | 2,820 |
| Net loans and leases to core deposits | 78.0958% | 3,446 |
| Total domestic deposits to total assets | 83.8909% | 4,273 |
| Equity capital to assets | 9.9941% | 4,501 |
| Core capital (leverage) ratio | 9.7270% | 3,908 |
| Tier 1 risk-based capital ratio | 12.6860% | 5,487 |
| Total risk-based capital ratio | 13.9376% | 5,457 |
| Memoranda: |
| Average total assets | $205,280,500 | 3,016 |
| Average earning assets | $177,250,000 | 3,171 |
| Average equity | $20,781,500 | 3,139 |
| Average total loans | $125,749,250 | 3,003 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2912% | 190 |
| Cost of funding earning assets | 1.0332% | 1,559 |
| Net interest margin | 5.2580% | 258 |
| Noninterest income to average assets | 0.1915% | 6,186 |
| Noninterest expense to average assets | 4.1478% | 783 |
| Loan and lease loss provision to assets | 0.0884% | 4,472 |
| Net operating income to assets | 0.3363% | 5,476 |
| Return on assets (ROA) | 0.3790% | 5,536 |
| Pretax return on assets | 0.5558% | 5,292 |
| Return on Equity (ROE) | 3.7278% | 5,391 |
| Retained earnings to average equity (ytd only) | -0.8305% | 6,185 |
| Net charge-offs to loans | 0.0822% | 4,322 |
| Credit loss provision to net charge-offs | 180.0000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 11.8400% | 1,932 |
| Efficiency ratio | 87.7076% | 1,261 |
| Assets per employee ($millions) | 2.6592% | 6,586 |
| Cash dividends to net income (ytd only)* | 122.2798% | 258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5297% | 3,874 |
| Loan loss allowance to noncurrent loans | 137.9438% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 3.0035% | 1,834 |
| Noncurrent loans to loans | 1.1089% | 4,307 |
| Net loans and leases to total assets | 58.6336% | 4,058 |
| Net loans and leases to deposits | 70.0609% | 3,887 |
| Net loans and leases to core deposits | 70.9829% | 4,415 |
| Total domestic deposits to total assets | 83.6895% | 4,446 |
| Equity capital to assets | 10.1408% | 4,136 |
| Core capital (leverage) ratio | 9.8110% | 3,705 |
| Tier 1 risk-based capital ratio | 13.9927% | 4,453 |
| Total risk-based capital ratio | 15.2435% | 4,417 |
| Memoranda: |
| Average total assets | $203,672,330 | 3,047 |
| Average earning assets | $175,768,670 | 3,193 |
| Average equity | $20,709,330 | 3,135 |
| Average total loans | $121,699,330 | 3,100 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3431% | 197 |
| Cost of funding earning assets | 1.0625% | 1,607 |
| Net interest margin | 5.2806% | 263 |
| Noninterest income to average assets | -0.5159% | 7,253 |
| Noninterest expense to average assets | 4.2377% | 708 |
| Loan and lease loss provision to assets | 0.0886% | 4,254 |
| Net operating income to assets | -0.1694% | 6,602 |
| Return on assets (ROA) | -0.1694% | 6,660 |
| Pretax return on assets | -0.2914% | 6,723 |
| Return on Equity (ROE) | -1.6633% | 6,663 |
| Retained earnings to average equity (ytd only) | -4.1389% | 6,512 |
| Net charge-offs to loans | 0.1283% | 3,336 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | -2.6410% | 4,635 |
| Efficiency ratio | 105.0268% | 433 |
| Assets per employee ($millions) | 2.5896% | 6,756 |
| Cash dividends to net income (ytd only)* | -148.8372% | 7,291 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5252% | 4,044 |
| Loan loss allowance to noncurrent loans | 55.9939% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 3.1835% | 1,818 |
| Noncurrent loans to loans | 2.7238% | 2,395 |
| Net loans and leases to total assets | 59.2880% | 3,809 |
| Net loans and leases to deposits | 70.9825% | 3,594 |
| Net loans and leases to core deposits | 72.3013% | 4,104 |
| Total domestic deposits to total assets | 83.5248% | 4,704 |
| Equity capital to assets | 10.3098% | 3,721 |
| Core capital (leverage) ratio | 9.8188% | 3,614 |
| Tier 1 risk-based capital ratio | 14.2411% | 4,284 |
| Total risk-based capital ratio | 15.4920% | 4,259 |
| Memoranda: |
| Average total assets | $203,129,500 | 3,073 |
| Average earning assets | $175,055,500 | 3,223 |
| Average equity | $20,682,000 | 3,147 |
| Average total loans | $121,588,000 | 3,117 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4892% | 182 |
| Cost of funding earning assets | 1.3758% | 1,142 |
| Net interest margin | 5.1133% | 331 |
| Noninterest income to average assets | 0.6052% | 3,137 |
| Noninterest expense to average assets | 3.9742% | 1,075 |
| Loan and lease loss provision to assets | 0.2182% | 4,008 |
| Net operating income to assets | 0.5710% | 4,146 |
| Return on assets (ROA) | 0.5776% | 4,294 |
| Pretax return on assets | 0.8472% | 3,783 |
| Return on Equity (ROE) | 5.9678% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.9678% | 2,036 |
| Net charge-offs to loans | 0.2364% | 4,298 |
| Credit loss provision to net charge-offs | 151.5152% | 1,856 |
| Earnings coverage of net charge-offs (x) | 7.3300% | 2,352 |
| Efficiency ratio | 79.0108% | 2,445 |
| Assets per employee ($millions) | 2.7218% | 6,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4823% | 4,101 |
| Loan loss allowance to noncurrent loans | 98.7554% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 3.4618% | 1,715 |
| Noncurrent loans to loans | 1.5009% | 3,895 |
| Net loans and leases to total assets | 58.6389% | 4,256 |
| Net loans and leases to deposits | 69.8018% | 4,139 |
| Net loans and leases to core deposits | 71.0400% | 4,645 |
| Total domestic deposits to total assets | 84.0077% | 4,312 |
| Equity capital to assets | 10.0582% | 4,092 |
| Core capital (leverage) ratio | 9.7145% | 3,726 |
| Tier 1 risk-based capital ratio | 13.6974% | 4,556 |
| Total risk-based capital ratio | 14.9475% | 4,519 |
| Memoranda: |
| Average total assets | $206,205,400 | 2,987 |
| Average earning assets | $178,435,200 | 3,111 |
| Average equity | $19,957,000 | 3,157 |
| Average total loans | $125,636,400 | 3,068 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5085% | 191 |
| Cost of funding earning assets | 1.4138% | 1,170 |
| Net interest margin | 5.0946% | 344 |
| Noninterest income to average assets | 0.5487% | 3,520 |
| Noninterest expense to average assets | 4.0049% | 994 |
| Loan and lease loss provision to assets | 0.2071% | 3,947 |
| Net operating income to assets | 0.5164% | 4,469 |
| Return on assets (ROA) | 0.5177% | 4,652 |
| Pretax return on assets | 0.7597% | 4,280 |
| Return on Equity (ROE) | 5.4021% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.4021% | 2,910 |
| Net charge-offs to loans | 0.1975% | 4,221 |
| Credit loss provision to net charge-offs | 171.1230% | 1,762 |
| Earnings coverage of net charge-offs (x) | 7.9732% | 2,270 |
| Efficiency ratio | 80.5859% | 2,174 |
| Assets per employee ($millions) | 2.7805% | 6,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4529% | 4,323 |
| Loan loss allowance to noncurrent loans | 101.2339% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 3.5202% | 1,791 |
| Noncurrent loans to loans | 1.4352% | 4,139 |
| Net loans and leases to total assets | 59.5024% | 4,229 |
| Net loans and leases to deposits | 72.3652% | 3,926 |
| Net loans and leases to core deposits | 74.4796% | 4,385 |
| Total domestic deposits to total assets | 82.2252% | 5,000 |
| Equity capital to assets | 9.9972% | 4,346 |
| Core capital (leverage) ratio | 9.4711% | 4,198 |
| Tier 1 risk-based capital ratio | 13.3223% | 4,868 |
| Total risk-based capital ratio | 14.5499% | 4,849 |
| Memoranda: |
| Average total assets | $206,042,750 | 3,006 |
| Average earning assets | $178,798,500 | 3,129 |
| Average equity | $19,744,750 | 3,186 |
| Average total loans | $126,264,750 | 3,074 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5115% | 200 |
| Cost of funding earning assets | 1.4450% | 1,208 |
| Net interest margin | 5.0665% | 354 |
| Noninterest income to average assets | 0.4909% | 3,939 |
| Noninterest expense to average assets | 3.9925% | 1,065 |
| Loan and lease loss provision to assets | 0.2232% | 3,685 |
| Net operating income to assets | 0.4638% | 4,662 |
| Return on assets (ROA) | 0.4638% | 4,796 |
| Pretax return on assets | 0.6908% | 4,415 |
| Return on Equity (ROE) | 4.9102% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.9102% | 3,052 |
| Net charge-offs to loans | 0.2095% | 3,892 |
| Credit loss provision to net charge-offs | 172.9323% | 1,749 |
| Earnings coverage of net charge-offs (x) | 7.0827% | 2,276 |
| Efficiency ratio | 81.3724% | 2,190 |
| Assets per employee ($millions) | 2.7104% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4303% | 4,441 |
| Loan loss allowance to noncurrent loans | 103.5108% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 4.1623% | 1,527 |
| Noncurrent loans to loans | 1.3818% | 4,339 |
| Net loans and leases to total assets | 59.1811% | 4,427 |
| Net loans and leases to deposits | 71.5332% | 4,196 |
| Net loans and leases to core deposits | 73.6028% | 4,628 |
| Total domestic deposits to total assets | 82.7324% | 4,891 |
| Equity capital to assets | 9.6367% | 4,617 |
| Core capital (leverage) ratio | 9.4127% | 4,087 |
| Tier 1 risk-based capital ratio | 13.2083% | 4,763 |
| Total risk-based capital ratio | 14.4221% | 4,770 |
| Memoranda: |
| Average total assets | $206,137,670 | 3,019 |
| Average earning assets | $179,651,670 | 3,141 |
| Average equity | $19,469,670 | 3,208 |
| Average total loans | $126,941,000 | 3,091 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3543% | 257 |
| Cost of funding earning assets | 1.4929% | 1,194 |
| Net interest margin | 4.8614% | 504 |
| Noninterest income to average assets | 0.8147% | 1,970 |
| Noninterest expense to average assets | 3.9474% | 1,106 |
| Loan and lease loss provision to assets | 0.1746% | 3,874 |
| Net operating income to assets | 0.6362% | 3,829 |
| Return on assets (ROA) | 0.6362% | 3,901 |
| Pretax return on assets | 0.9563% | 3,296 |
| Return on Equity (ROE) | 6.8053% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.8053% | 2,235 |
| Net charge-offs to loans | 0.0778% | 4,166 |
| Credit loss provision to net charge-offs | 360.0000% | 909 |
| Earnings coverage of net charge-offs (x) | 23.3200% | 1,020 |
| Efficiency ratio | 77.7311% | 2,884 |
| Assets per employee ($millions) | 2.8130% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3630% | 4,841 |
| Loan loss allowance to noncurrent loans | 24.7365% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 4.9783% | 1,266 |
| Noncurrent loans to loans | 5.5100% | 1,188 |
| Net loans and leases to total assets | 60.3872% | 4,190 |
| Net loans and leases to deposits | 74.3988% | 3,701 |
| Net loans and leases to core deposits | 76.4480% | 4,243 |
| Total domestic deposits to total assets | 81.1669% | 5,614 |
| Equity capital to assets | 9.3368% | 4,669 |
| Core capital (leverage) ratio | 9.2994% | 4,124 |
| Tier 1 risk-based capital ratio | 13.3054% | 4,573 |
| Total risk-based capital ratio | 14.5164% | 4,584 |
| Memoranda: |
| Average total assets | $206,210,000 | 3,031 |
| Average earning assets | $180,854,500 | 3,133 |
| Average equity | $19,279,000 | 3,223 |
| Average total loans | $128,572,500 | 3,091 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6251% | 266 |
| Cost of funding earning assets | 1.7962% | 1,183 |
| Net interest margin | 4.8289% | 635 |
| Noninterest income to average assets | 0.7837% | 2,357 |
| Noninterest expense to average assets | 3.8271% | 1,437 |
| Loan and lease loss provision to assets | 0.3641% | 3,930 |
| Net operating income to assets | 0.5558% | 3,867 |
| Return on assets (ROA) | 0.5960% | 3,853 |
| Pretax return on assets | 0.9002% | 3,291 |
| Return on Equity (ROE) | 6.6892% | 3,262 |
| Retained earnings to average equity (ytd only) | 6.6892% | 1,458 |
| Net charge-offs to loans | 0.2663% | 4,699 |
| Credit loss provision to net charge-offs | 212.3209% | 1,438 |
| Earnings coverage of net charge-offs (x) | 7.0172% | 2,222 |
| Efficiency ratio | 76.0793% | 3,044 |
| Assets per employee ($millions) | 2.7234% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2891% | 5,059 |
| Loan loss allowance to noncurrent loans | 24.7228% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 5.1798% | 1,218 |
| Noncurrent loans to loans | 5.2142% | 1,277 |
| Net loans and leases to total assets | 62.6819% | 4,133 |
| Net loans and leases to deposits | 77.2742% | 3,622 |
| Net loans and leases to core deposits | 79.5441% | 4,268 |
| Total domestic deposits to total assets | 81.1163% | 5,489 |
| Equity capital to assets | 9.3618% | 4,600 |
| Core capital (leverage) ratio | 9.0672% | 4,419 |
| Tier 1 risk-based capital ratio | 12.9199% | 4,666 |
| Total risk-based capital ratio | 14.0725% | 4,722 |
| Memoranda: |
| Average total assets | $203,521,600 | 3,062 |
| Average earning assets | $178,985,400 | 3,136 |
| Average equity | $18,133,800 | 3,407 |
| Average total loans | $131,047,200 | 3,102 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6747% | 252 |
| Cost of funding earning assets | 1.8598% | 1,167 |
| Net interest margin | 4.8149% | 656 |
| Noninterest income to average assets | 0.7324% | 2,624 |
| Noninterest expense to average assets | 3.7487% | 1,477 |
| Loan and lease loss provision to assets | 0.3974% | 3,523 |
| Net operating income to assets | 0.5398% | 4,136 |
| Return on assets (ROA) | 0.5934% | 4,062 |
| Pretax return on assets | 0.9049% | 3,533 |
| Return on Equity (ROE) | 6.7460% | 3,459 |
| Retained earnings to average equity (ytd only) | 6.7460% | 1,971 |
| Net charge-offs to loans | 0.1045% | 5,494 |
| Credit loss provision to net charge-offs | 588.3495% | 496 |
| Earnings coverage of net charge-offs (x) | 18.0776% | 1,287 |
| Efficiency ratio | 75.4321% | 3,052 |
| Assets per employee ($millions) | 2.9155% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3715% | 4,618 |
| Loan loss allowance to noncurrent loans | 25.6473% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 4.4831% | 1,514 |
| Noncurrent loans to loans | 5.3475% | 1,261 |
| Net loans and leases to total assets | 61.9430% | 4,543 |
| Net loans and leases to deposits | 77.3419% | 3,944 |
| Net loans and leases to core deposits | 80.8360% | 4,403 |
| Total domestic deposits to total assets | 80.0899% | 5,676 |
| Equity capital to assets | 9.2623% | 5,204 |
| Core capital (leverage) ratio | 8.9868% | 4,715 |
| Tier 1 risk-based capital ratio | 12.9808% | 4,595 |
| Total risk-based capital ratio | 14.2310% | 4,567 |
| Memoranda: |
| Average total assets | $203,338,250 | 3,098 |
| Average earning assets | $178,938,750 | 3,174 |
| Average equity | $17,886,750 | 3,485 |
| Average total loans | $131,383,250 | 3,153 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8031% | 201 |
| Cost of funding earning assets | 1.9333% | 1,097 |
| Net interest margin | 4.8698% | 574 |
| Noninterest income to average assets | 0.7204% | 2,573 |
| Noninterest expense to average assets | 3.7859% | 1,381 |
| Loan and lease loss provision to assets | 0.2929% | 4,042 |
| Net operating income to assets | 0.6056% | 3,859 |
| Return on assets (ROA) | 0.6056% | 3,993 |
| Pretax return on assets | 0.9212% | 3,412 |
| Return on Equity (ROE) | 7.0111% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.0111% | 1,824 |
| Net charge-offs to loans | 0.1107% | 5,053 |
| Credit loss provision to net charge-offs | 405.4795% | 897 |
| Earnings coverage of net charge-offs (x) | 16.8082% | 1,386 |
| Efficiency ratio | 75.7174% | 3,120 |
| Assets per employee ($millions) | 2.9942% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1545% | 5,667 |
| Loan loss allowance to noncurrent loans | 42.3858% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 2.8796% | 2,498 |
| Noncurrent loans to loans | 2.7238% | 2,927 |
| Net loans and leases to total assets | 63.2007% | 4,419 |
| Net loans and leases to deposits | 79.1046% | 3,776 |
| Net loans and leases to core deposits | 83.1074% | 4,268 |
| Total domestic deposits to total assets | 79.8951% | 5,758 |
| Equity capital to assets | 9.2968% | 5,010 |
| Core capital (leverage) ratio | 8.7826% | 4,946 |
| Tier 1 risk-based capital ratio | 12.7739% | 4,628 |
| Total risk-based capital ratio | 13.8335% | 4,760 |
| Memoranda: |
| Average total assets | $202,117,670 | 3,133 |
| Average earning assets | $177,626,000 | 3,220 |
| Average equity | $17,458,000 | 3,555 |
| Average total loans | $131,842,670 | 3,168 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7277% | 251 |
| Cost of funding earning assets | 2.0151% | 1,030 |
| Net interest margin | 4.7126% | 764 |
| Noninterest income to average assets | 0.7528% | 2,284 |
| Noninterest expense to average assets | 3.7344% | 1,447 |
| Loan and lease loss provision to assets | 0.4688% | 2,623 |
| Net operating income to assets | 0.4449% | 4,637 |
| Return on assets (ROA) | 0.4449% | 4,769 |
| Pretax return on assets | 0.6793% | 4,308 |
| Return on Equity (ROE) | 5.3581% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.3581% | 2,956 |
| Net charge-offs to loans | -0.0271% | 7,159 |
| Credit loss provision to net charge-offs | -2,622.2222% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4849% | 3,135 |
| Assets per employee ($millions) | 3.1285% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1638% | 5,690 |
| Loan loss allowance to noncurrent loans | 53.3964% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 3.2850% | 2,182 |
| Noncurrent loans to loans | 2.1796% | 3,560 |
| Net loans and leases to total assets | 62.7209% | 4,610 |
| Net loans and leases to deposits | 77.2472% | 4,179 |
| Net loans and leases to core deposits | 81.4495% | 4,563 |
| Total domestic deposits to total assets | 81.1951% | 5,384 |
| Equity capital to assets | 8.1886% | 6,446 |
| Core capital (leverage) ratio | 8.0680% | 6,135 |
| Tier 1 risk-based capital ratio | 11.2257% | 5,928 |
| Total risk-based capital ratio | 12.2809% | 6,096 |
| Memoranda: |
| Average total assets | $201,373,000 | 3,204 |
| Average earning assets | $176,463,500 | 3,302 |
| Average equity | $16,722,500 | 3,711 |
| Average total loans | $132,672,000 | 3,208 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9802% | 291 |
| Cost of funding earning assets | 2.6698% | 631 |
| Net interest margin | 4.3104% | 1,689 |
| Noninterest income to average assets | 0.8847% | 2,008 |
| Noninterest expense to average assets | 3.8840% | 1,530 |
| Loan and lease loss provision to assets | 0.3315% | 4,826 |
| Net operating income to assets | 0.3137% | 4,481 |
| Return on assets (ROA) | 0.3137% | 4,564 |
| Pretax return on assets | 0.4776% | 4,253 |
| Return on Equity (ROE) | 3.7572% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.7572% | 2,564 |
| Net charge-offs to loans | 0.2971% | 4,774 |
| Credit loss provision to net charge-offs | 168.8830% | 2,536 |
| Earnings coverage of net charge-offs (x) | 4.1223% | 3,052 |
| Efficiency ratio | 82.7605% | 2,509 |
| Assets per employee ($millions) | 3.0194% | 6,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9530% | 6,627 |
| Loan loss allowance to noncurrent loans | 27.5565% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 3.6217% | 1,842 |
| Noncurrent loans to loans | 3.4584% | 2,197 |
| Net loans and leases to total assets | 67.7820% | 3,752 |
| Net loans and leases to deposits | 84.1974% | 3,219 |
| Net loans and leases to core deposits | 94.4078% | 4,635 |
| Total domestic deposits to total assets | 80.5037% | 5,514 |
| Equity capital to assets | 8.4259% | 6,015 |
| Core capital (leverage) ratio | 7.9326% | 6,283 |
| Tier 1 risk-based capital ratio | 10.9900% | 5,919 |
| Total risk-based capital ratio | 11.8696% | 6,256 |
| Memoranda: |
| Average total assets | $191,580,800 | 3,272 |
| Average earning assets | $169,265,600 | 3,364 |
| Average equity | $15,996,000 | 3,871 |
| Average total loans | $126,549,200 | 3,341 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9635% | 319 |
| Cost of funding earning assets | 2.7476% | 691 |
| Net interest margin | 4.2159% | 1,984 |
| Noninterest income to average assets | 0.8326% | 2,276 |
| Noninterest expense to average assets | 3.7847% | 1,622 |
| Loan and lease loss provision to assets | 0.4026% | 3,902 |
| Net operating income to assets | 0.2472% | 5,003 |
| Return on assets (ROA) | 0.2472% | 5,082 |
| Pretax return on assets | 0.3767% | 4,860 |
| Return on Equity (ROE) | 2.9674% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.9674% | 3,670 |
| Net charge-offs to loans | 0.2921% | 4,203 |
| Credit loss provision to net charge-offs | 210.6227% | 2,088 |
| Earnings coverage of net charge-offs (x) | 4.0769% | 3,274 |
| Efficiency ratio | 82.9242% | 2,438 |
| Assets per employee ($millions) | 3.0099% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9987% | 6,303 |
| Loan loss allowance to noncurrent loans | 67.5000% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.0797% | 3,236 |
| Noncurrent loans to loans | 1.4795% | 4,454 |
| Net loans and leases to total assets | 65.0362% | 4,641 |
| Net loans and leases to deposits | 81.9016% | 4,043 |
| Net loans and leases to core deposits | 96.7741% | 4,729 |
| Total domestic deposits to total assets | 79.4077% | 5,656 |
| Equity capital to assets | 8.0719% | 6,776 |
| Core capital (leverage) ratio | 7.9780% | 6,398 |
| Tier 1 risk-based capital ratio | 10.9056% | 6,045 |
| Total risk-based capital ratio | 11.8224% | 6,356 |
| Memoranda: |
| Average total assets | $190,410,250 | 3,309 |
| Average earning assets | $168,532,500 | 3,397 |
| Average equity | $15,860,750 | 3,940 |
| Average total loans | $124,608,750 | 3,414 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9194% | 367 |
| Cost of funding earning assets | 2.8174% | 750 |
| Net interest margin | 4.1019% | 2,313 |
| Noninterest income to average assets | 0.7404% | 2,755 |
| Noninterest expense to average assets | 3.8412% | 1,588 |
| Loan and lease loss provision to assets | 0.4607% | 3,221 |
| Net operating income to assets | 0.0418% | 5,726 |
| Return on assets (ROA) | 0.0418% | 5,817 |
| Pretax return on assets | 0.0654% | 5,753 |
| Return on Equity (ROE) | 0.4961% | 5,789 |
| Retained earnings to average equity (ytd only) | 0.4961% | 5,009 |
| Net charge-offs to loans | 0.3558% | 3,404 |
| Credit loss provision to net charge-offs | 198.1567% | 2,307 |
| Earnings coverage of net charge-offs (x) | 2.2627% | 3,938 |
| Efficiency ratio | 87.9539% | 2,020 |
| Assets per employee ($millions) | 3.1690% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9375% | 6,614 |
| Loan loss allowance to noncurrent loans | 82.2119% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.6114% | 3,794 |
| Noncurrent loans to loans | 1.1404% | 4,935 |
| Net loans and leases to total assets | 66.3621% | 4,493 |
| Net loans and leases to deposits | 83.6004% | 3,951 |
| Net loans and leases to core deposits | 103.1216% | 4,166 |
| Total domestic deposits to total assets | 79.3802% | 5,695 |
| Equity capital to assets | 7.9087% | 6,858 |
| Core capital (leverage) ratio | 8.0016% | 6,328 |
| Tier 1 risk-based capital ratio | 10.8274% | 6,052 |
| Total risk-based capital ratio | 11.6941% | 6,380 |
| Memoranda: |
| Average total assets | $186,659,330 | 3,384 |
| Average earning assets | $165,044,330 | 3,471 |
| Average equity | $15,721,670 | 3,973 |
| Average total loans | $121,986,000 | 3,491 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7337% | 550 |
| Cost of funding earning assets | 2.8684% | 833 |
| Net interest margin | 3.8653% | 3,201 |
| Noninterest income to average assets | 0.7131% | 2,806 |
| Noninterest expense to average assets | 3.7216% | 1,611 |
| Loan and lease loss provision to assets | 0.1761% | 4,702 |
| Net operating income to assets | 0.1431% | 5,847 |
| Return on assets (ROA) | 0.1431% | 6,016 |
| Pretax return on assets | 0.2201% | 5,889 |
| Return on Equity (ROE) | 1.6442% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.6442% | 4,923 |
| Net charge-offs to loans | 0.0034% | 5,679 |
| Credit loss provision to net charge-offs | 8,000.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 240 |
| Efficiency ratio | 90.3795% | 1,693 |
| Assets per employee ($millions) | 3.0578% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8917% | 6,791 |
| Loan loss allowance to noncurrent loans | 82.3353% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6748% | 3,413 |
| Noncurrent loans to loans | 1.0830% | 4,816 |
| Net loans and leases to total assets | 65.5464% | 4,688 |
| Net loans and leases to deposits | 84.4688% | 3,903 |
| Net loans and leases to core deposits | 112.3609% | 3,182 |
| Total domestic deposits to total assets | 77.5983% | 6,130 |
| Equity capital to assets | 8.5484% | 5,999 |
| Core capital (leverage) ratio | 8.5726% | 5,386 |
| Tier 1 risk-based capital ratio | 11.6690% | 5,237 |
| Total risk-based capital ratio | 12.5007% | 5,556 |
| Memoranda: |
| Average total assets | $181,748,500 | 3,482 |
| Average earning assets | $160,091,000 | 3,569 |
| Average equity | $15,813,000 | 3,980 |
| Average total loans | $117,167,500 | 3,619 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.5923% | 345 |
| Cost of funding earning assets | 3.6549% | 312 |
| Net interest margin | 3.9374% | 3,410 |
| Noninterest income to average assets | 1.0184% | 1,531 |
| Noninterest expense to average assets | 4.1443% | 1,212 |
| Loan and lease loss provision to assets | 0.0661% | 6,563 |
| Net operating income to assets | 0.1755% | 5,926 |
| Return on assets (ROA) | 0.1755% | 5,753 |
| Pretax return on assets | 0.2495% | 5,626 |
| Return on Equity (ROE) | 2.1495% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.1495% | 3,893 |
| Net charge-offs to loans | 0.0776% | 5,654 |
| Credit loss provision to net charge-offs | 123.1707% | 4,359 |
| Earnings coverage of net charge-offs (x) | 5.8780% | 3,500 |
| Efficiency ratio | 92.9222% | 1,333 |
| Assets per employee ($millions) | 3.2177% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9200% | 6,565 |
| Loan loss allowance to noncurrent loans | 190.1304% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 3,693 |
| Noncurrent loans to loans | 0.4839% | 5,894 |
| Net loans and leases to total assets | 62.1305% | 5,608 |
| Net loans and leases to deposits | 81.0074% | 4,869 |
| Net loans and leases to core deposits | 113.0204% | 3,445 |
| Total domestic deposits to total assets | 76.6973% | 6,069 |
| Equity capital to assets | 8.8608% | 5,551 |
| Core capital (leverage) ratio | 9.4670% | 4,060 |
| Tier 1 risk-based capital ratio | 12.7264% | 4,275 |
| Total risk-based capital ratio | 13.5721% | 4,453 |
| Memoranda: |
| Average total assets | $152,691,400 | 3,856 |
| Average earning assets | $133,465,000 | 3,984 |
| Average equity | $12,468,000 | 4,705 |
| Average total loans | $105,733,400 | 3,804 |
