| 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 | 5.4513% | 1,231 |
| Cost of funding earning assets | 1.2736% | 2,591 |
| Net interest margin | 4.1778% | 966 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.8511% | 1,390 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.5511% | 937 |
| Return on assets (ROA) | 1.5511% | 902 |
| Pretax return on assets | 1.5826% | 1,269 |
| Return on Equity (ROE) | 15.9500% | 1,105 |
| Retained earnings to average equity (ytd only) | 3.8950% | 2,997 |
| Net charge-offs to loans | -0.0614% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.4973% | 3,020 |
| Assets per employee ($millions) | 6.0374% | 2,784 |
| Cash dividends to net income (ytd only)* | 75.5856% | 688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4861% | 1,098 |
| Loan loss allowance to noncurrent loans | 1,410.6965% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,008 |
| Noncurrent loans to loans | 0.1053% | 3,013 |
| Net loans and leases to total assets | 75.0200% | 1,241 |
| Net loans and leases to deposits | 83.5683% | 1,814 |
| Net loans and leases to core deposits | 86.6231% | 2,264 |
| Total domestic deposits to total assets | 89.7700% | 816 |
| Equity capital to assets | 9.6767% | 2,217 |
| Core capital (leverage) ratio | 9.0660% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $476,126,600 | 1,780 |
| Average earning assets | $436,021,000 | 1,789 |
| Average equity | $46,290,000 | 1,699 |
| Average total loans | $354,815,800 | 1,598 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3204% | 1,263 |
| Cost of funding earning assets | 1.1306% | 2,658 |
| Net interest margin | 4.1898% | 937 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.8648% | 1,295 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.5638% | 995 |
| Return on assets (ROA) | 1.5638% | 991 |
| Pretax return on assets | 1.6035% | 1,349 |
| Return on Equity (ROE) | 16.0600% | 1,249 |
| Retained earnings to average equity (ytd only) | 6.6956% | 2,398 |
| Net charge-offs to loans | -0.0823% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.2978% | 2,931 |
| Assets per employee ($millions) | 5.9738% | 2,786 |
| Cash dividends to net income (ytd only)* | 58.3197% | 1,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4700% | 1,194 |
| Loan loss allowance to noncurrent loans | 718.2062% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,547 |
| Noncurrent loans to loans | 0.2047% | 2,534 |
| Net loans and leases to total assets | 74.3200% | 1,304 |
| Net loans and leases to deposits | 82.6276% | 1,860 |
| Net loans and leases to core deposits | 85.3123% | 2,227 |
| Total domestic deposits to total assets | 89.9400% | 954 |
| Equity capital to assets | 9.4743% | 2,113 |
| Core capital (leverage) ratio | 9.4903% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $469,882,750 | 1,795 |
| Average earning assets | $430,335,250 | 1,801 |
| Average equity | $45,740,000 | 1,699 |
| Average total loans | $348,121,750 | 1,619 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1876% | 1,229 |
| Cost of funding earning assets | 0.9733% | 2,693 |
| Net interest margin | 4.2143% | 915 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.9487% | 1,130 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.5141% | 1,072 |
| Return on assets (ROA) | 1.5141% | 1,072 |
| Pretax return on assets | 1.5558% | 1,487 |
| Return on Equity (ROE) | 15.4100% | 1,386 |
| Retained earnings to average equity (ytd only) | 1.6191% | 3,802 |
| Net charge-offs to loans | -0.1326% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5739% | 2,765 |
| Assets per employee ($millions) | 5.8818% | 2,815 |
| Cash dividends to net income (ytd only)* | 89.4946% | 430 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4489% | 1,363 |
| Loan loss allowance to noncurrent loans | 1,737.3288% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,143 |
| Noncurrent loans to loans | 0.0834% | 3,092 |
| Net loans and leases to total assets | 73.3300% | 1,364 |
| Net loans and leases to deposits | 81.7424% | 1,847 |
| Net loans and leases to core deposits | 84.2071% | 2,198 |
| Total domestic deposits to total assets | 89.7100% | 1,009 |
| Equity capital to assets | 9.7350% | 2,008 |
| Core capital (leverage) ratio | 9.2586% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $465,218,333 | 1,812 |
| Average earning assets | $425,785,000 | 1,824 |
| Average equity | $45,705,333 | 1,703 |
| Average total loans | $342,503,667 | 1,624 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0891% | 1,101 |
| Cost of funding earning assets | 0.8279% | 2,615 |
| Net interest margin | 4.2612% | 862 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 2.8390% | 1,357 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.6811% | 853 |
| Return on assets (ROA) | 1.6811% | 852 |
| Pretax return on assets | 1.7226% | 1,230 |
| Return on Equity (ROE) | 17.0300% | 1,169 |
| Retained earnings to average equity (ytd only) | -0.4906% | 4,084 |
| Net charge-offs to loans | -0.1689% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.5650% | 3,123 |
| Assets per employee ($millions) | 5.9020% | 2,841 |
| Cash dividends to net income (ytd only)* | 102.8807% | 428 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3902% | 1,658 |
| Loan loss allowance to noncurrent loans | 2,002.5641% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,032 |
| Noncurrent loans to loans | 0.0694% | 3,233 |
| Net loans and leases to total assets | 72.2000% | 1,402 |
| Net loans and leases to deposits | 80.7402% | 1,764 |
| Net loans and leases to core deposits | 83.2240% | 2,045 |
| Total domestic deposits to total assets | 89.4200% | 1,372 |
| Equity capital to assets | 10.0446% | 1,800 |
| Core capital (leverage) ratio | 9.3546% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $462,557,000 | 1,845 |
| Average earning assets | $424,197,500 | 1,853 |
| Average equity | $45,654,500 | 1,721 |
| Average total loans | $338,697,500 | 1,656 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2771% | 1,097 |
| Cost of funding earning assets | 0.2128% | 3,651 |
| Net interest margin | 4.0643% | 712 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.8206% | 1,275 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.5556% | 771 |
| Return on assets (ROA) | 1.5556% | 734 |
| Pretax return on assets | 1.5905% | 1,189 |
| Return on Equity (ROE) | 15.7200% | 1,100 |
| Retained earnings to average equity (ytd only) | 10.8343% | 923 |
| Net charge-offs to loans | 0.1433% | 570 |
| Credit loss provision to net charge-offs | 199.5614% | 1,127 |
| Earnings coverage of net charge-offs (x) | 17.8750% | 1,943 |
| Efficiency ratio | 60.8279% | 2,937 |
| Assets per employee ($millions) | 5.9584% | 2,803 |
| Cash dividends to net income (ytd only)* | 31.0647% | 2,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2467% | 2,169 |
| Loan loss allowance to noncurrent loans | 1,055.4726% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,739 |
| Noncurrent loans to loans | 0.1181% | 2,933 |
| Net loans and leases to total assets | 72.3100% | 1,385 |
| Net loans and leases to deposits | 80.5558% | 1,734 |
| Net loans and leases to core deposits | 82.7576% | 1,949 |
| Total domestic deposits to total assets | 89.7700% | 1,460 |
| Equity capital to assets | 9.6971% | 1,887 |
| Core capital (leverage) ratio | 9.4687% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $455,253,000 | 1,845 |
| Average earning assets | $416,754,800 | 1,855 |
| Average equity | $45,060,400 | 1,753 |
| Average total loans | $318,310,200 | 1,645 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0996% | 1,073 |
| Cost of funding earning assets | 0.1549% | 3,800 |
| Net interest margin | 3.9448% | 711 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.7751% | 1,299 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.4449% | 968 |
| Return on assets (ROA) | 1.4449% | 944 |
| Pretax return on assets | 1.4853% | 1,458 |
| Return on Equity (ROE) | 14.5200% | 1,284 |
| Retained earnings to average equity (ytd only) | 14.5230% | 402 |
| Net charge-offs to loans | 0.1735% | 385 |
| Credit loss provision to net charge-offs | 167.3219% | 1,073 |
| Earnings coverage of net charge-offs (x) | 14.0688% | 1,869 |
| Efficiency ratio | 61.8532% | 2,845 |
| Assets per employee ($millions) | 5.5953% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2588% | 2,222 |
| Loan loss allowance to noncurrent loans | 213.7296% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 1,264 |
| Noncurrent loans to loans | 0.5890% | 1,368 |
| Net loans and leases to total assets | 72.1000% | 1,287 |
| Net loans and leases to deposits | 80.5137% | 1,554 |
| Net loans and leases to core deposits | 83.0486% | 1,712 |
| Total domestic deposits to total assets | 89.5500% | 1,851 |
| Equity capital to assets | 9.9295% | 1,659 |
| Core capital (leverage) ratio | 9.5933% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $452,877,250 | 1,858 |
| Average earning assets | $414,109,000 | 1,878 |
| Average equity | $45,058,500 | 1,773 |
| Average total loans | $312,805,500 | 1,660 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9120% | 1,095 |
| Cost of funding earning assets | 0.1433% | 3,662 |
| Net interest margin | 3.7687% | 803 |
| Noninterest income to average assets | 0.7820% | 1,092 |
| Noninterest expense to average assets | 2.7010% | 1,391 |
| Loan and lease loss provision to assets | 0.1972% | 421 |
| Net operating income to assets | 1.2894% | 1,167 |
| Return on assets (ROA) | 1.2894% | 1,149 |
| Pretax return on assets | 1.3288% | 1,645 |
| Return on Equity (ROE) | 12.9512% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.9512% | 474 |
| Net charge-offs to loans | 0.3354% | 206 |
| Credit loss provision to net charge-offs | 86.7052% | 1,355 |
| Earnings coverage of net charge-offs (x) | 6.7110% | 1,884 |
| Efficiency ratio | 63.5261% | 2,838 |
| Assets per employee ($millions) | 5.6657% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1694% | 2,851 |
| Loan loss allowance to noncurrent loans | 131.7280% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 864 |
| Noncurrent loans to loans | 0.8877% | 949 |
| Net loans and leases to total assets | 71.1412% | 1,192 |
| Net loans and leases to deposits | 79.4375% | 1,426 |
| Net loans and leases to core deposits | 81.9613% | 1,596 |
| Total domestic deposits to total assets | 89.5562% | 1,915 |
| Equity capital to assets | 9.9584% | 1,736 |
| Core capital (leverage) ratio | 8.9413% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0698% | 2,465 |
| Memoranda: |
| Average total assets | $456,493,667 | 1,856 |
| Average earning assets | $417,280,000 | 1,892 |
| Average equity | $45,447,667 | 1,818 |
| Average total loans | $309,485,000 | 1,673 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7287% | 1,223 |
| Cost of funding earning assets | 0.1400% | 3,633 |
| Net interest margin | 3.5887% | 914 |
| Noninterest income to average assets | 0.7383% | 1,196 |
| Noninterest expense to average assets | 2.6944% | 1,380 |
| Loan and lease loss provision to assets | 0.1941% | 377 |
| Net operating income to assets | 1.1066% | 1,513 |
| Return on assets (ROA) | 1.1066% | 1,501 |
| Pretax return on assets | 1.1437% | 2,006 |
| Return on Equity (ROE) | 11.1162% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.1162% | 762 |
| Net charge-offs to loans | 0.1573% | 377 |
| Credit loss provision to net charge-offs | 187.5000% | 794 |
| Earnings coverage of net charge-offs (x) | 12.9250% | 1,406 |
| Efficiency ratio | 66.4385% | 2,712 |
| Assets per employee ($millions) | 6.1676% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2810% | 2,450 |
| Loan loss allowance to noncurrent loans | 125.4915% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 849 |
| Noncurrent loans to loans | 1.0208% | 889 |
| Net loans and leases to total assets | 65.7494% | 1,434 |
| Net loans and leases to deposits | 73.3684% | 1,667 |
| Net loans and leases to core deposits | 75.7620% | 1,797 |
| Total domestic deposits to total assets | 89.6154% | 1,761 |
| Equity capital to assets | 9.8967% | 1,976 |
| Core capital (leverage) ratio | 8.5209% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7670% | 2,693 |
| Memoranda: |
| Average total assets | $463,776,500 | 1,845 |
| Average earning assets | $425,666,000 | 1,868 |
| Average equity | $46,167,000 | 1,849 |
| Average total loans | $305,171,000 | 1,683 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9957% | 1,365 |
| Cost of funding earning assets | 0.1960% | 3,511 |
| Net interest margin | 3.7997% | 1,007 |
| Noninterest income to average assets | 1.0337% | 934 |
| Noninterest expense to average assets | 2.8196% | 1,313 |
| Loan and lease loss provision to assets | 0.0940% | 1,332 |
| Net operating income to assets | 1.6037% | 798 |
| Return on assets (ROA) | 1.6037% | 830 |
| Pretax return on assets | 1.6405% | 1,307 |
| Return on Equity (ROE) | 16.7051% | 641 |
| Retained earnings to average equity (ytd only) | 9.0103% | 1,202 |
| Net charge-offs to loans | 0.2477% | 373 |
| Credit loss provision to net charge-offs | 54.5455% | 2,107 |
| Earnings coverage of net charge-offs (x) | 10.0624% | 2,224 |
| Efficiency ratio | 61.8717% | 2,887 |
| Assets per employee ($millions) | 5.8893% | 2,873 |
| Cash dividends to net income (ytd only)* | 46.0625% | 1,722 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2368% | 2,697 |
| Loan loss allowance to noncurrent loans | 1,565.7025% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,622 |
| Noncurrent loans to loans | 0.0790% | 3,533 |
| Net loans and leases to total assets | 64.2209% | 1,675 |
| Net loans and leases to deposits | 71.8044% | 1,927 |
| Net loans and leases to core deposits | 74.0524% | 2,073 |
| Total domestic deposits to total assets | 89.4388% | 1,274 |
| Equity capital to assets | 10.0107% | 2,645 |
| Core capital (leverage) ratio | 8.4105% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5540% | 2,763 |
| Memoranda: |
| Average total assets | $325,441,800 | 2,317 |
| Average earning assets | $301,524,600 | 2,325 |
| Average equity | $31,242,000 | 2,453 |
| Average total loans | $226,501,800 | 2,070 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4068% | 800 |
| Cost of funding earning assets | 0.2337% | 3,275 |
| Net interest margin | 4.1731% | 573 |
| Noninterest income to average assets | 1.2068% | 780 |
| Noninterest expense to average assets | 2.8519% | 1,213 |
| Loan and lease loss provision to assets | 0.0253% | 2,493 |
| Net operating income to assets | 2.1608% | 346 |
| Return on assets (ROA) | 2.1608% | 365 |
| Pretax return on assets | 2.2010% | 543 |
| Return on Equity (ROE) | 22.9086% | 254 |
| Retained earnings to average equity (ytd only) | 15.5528% | 331 |
| Net charge-offs to loans | -0.0497% | 4,351 |
| Credit loss provision to net charge-offs | -71.4286% | 3,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1592% | 3,509 |
| Assets per employee ($millions) | 4.8220% | 3,868 |
| Cash dividends to net income (ytd only)* | 32.1093% | 1,974 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9736% | 668 |
| Loan loss allowance to noncurrent loans | 1,221.0526% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 3,332 |
| Noncurrent loans to loans | 0.1616% | 3,312 |
| Net loans and leases to total assets | 71.6910% | 899 |
| Net loans and leases to deposits | 80.2108% | 1,272 |
| Net loans and leases to core deposits | 82.9459% | 1,499 |
| Total domestic deposits to total assets | 89.3782% | 1,082 |
| Equity capital to assets | 9.9616% | 2,939 |
| Core capital (leverage) ratio | 9.5953% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $289,015,500 | 2,505 |
| Average earning assets | $268,122,000 | 2,518 |
| Average equity | $27,261,250 | 2,725 |
| Average total loans | $206,536,250 | 2,226 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5603% | 662 |
| Cost of funding earning assets | 0.2618% | 3,170 |
| Net interest margin | 4.2985% | 497 |
| Noninterest income to average assets | 0.9428% | 1,171 |
| Noninterest expense to average assets | 2.7275% | 1,516 |
| Loan and lease loss provision to assets | 0.0360% | 2,275 |
| Net operating income to assets | 2.1307% | 378 |
| Return on assets (ROA) | 2.1307% | 400 |
| Pretax return on assets | 2.1695% | 609 |
| Return on Equity (ROE) | 23.0205% | 263 |
| Retained earnings to average equity (ytd only) | 18.5331% | 204 |
| Net charge-offs to loans | -0.0722% | 4,514 |
| Credit loss provision to net charge-offs | -70.2703% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2905% | 3,628 |
| Assets per employee ($millions) | 4.8014% | 3,836 |
| Cash dividends to net income (ytd only)* | 19.4932% | 2,538 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0337% | 573 |
| Loan loss allowance to noncurrent loans | 2,639.2405% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 3,544 |
| Noncurrent loans to loans | 0.0771% | 3,802 |
| Net loans and leases to total assets | 69.7267% | 1,233 |
| Net loans and leases to deposits | 77.8309% | 1,648 |
| Net loans and leases to core deposits | 80.7127% | 1,826 |
| Total domestic deposits to total assets | 89.5875% | 980 |
| Equity capital to assets | 9.7568% | 3,087 |
| Core capital (leverage) ratio | 9.3649% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $288,913,667 | 2,502 |
| Average earning assets | $268,184,667 | 2,517 |
| Average equity | $26,741,333 | 2,766 |
| Average total loans | $204,850,667 | 2,244 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0625% | 1,479 |
| Cost of funding earning assets | 0.3037% | 2,953 |
| Net interest margin | 3.7588% | 1,221 |
| Noninterest income to average assets | 0.9512% | 1,215 |
| Noninterest expense to average assets | 2.6448% | 1,755 |
| Loan and lease loss provision to assets | 0.0705% | 1,747 |
| Net operating income to assets | 1.6908% | 958 |
| Return on assets (ROA) | 1.6908% | 1,009 |
| Pretax return on assets | 1.7268% | 1,434 |
| Return on Equity (ROE) | 18.7735% | 647 |
| Retained earnings to average equity (ytd only) | 9.5633% | 1,777 |
| Net charge-offs to loans | -0.1856% | 4,773 |
| Credit loss provision to net charge-offs | -53.6842% | 2,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5394% | 3,081 |
| Assets per employee ($millions) | 4.9544% | 3,715 |
| Cash dividends to net income (ytd only)* | 49.0597% | 1,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0208% | 576 |
| Loan loss allowance to noncurrent loans | 2,586.4198% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 3,694 |
| Noncurrent loans to loans | 0.0781% | 3,905 |
| Net loans and leases to total assets | 68.3426% | 1,486 |
| Net loans and leases to deposits | 75.4769% | 1,968 |
| Net loans and leases to core deposits | 77.7884% | 2,205 |
| Total domestic deposits to total assets | 90.5477% | 564 |
| Equity capital to assets | 8.8252% | 3,859 |
| Core capital (leverage) ratio | 8.8800% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $289,327,500 | 2,489 |
| Average earning assets | $268,700,500 | 2,497 |
| Average equity | $26,058,000 | 2,793 |
| Average total loans | $204,754,500 | 2,248 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8975% | 603 |
| Cost of funding earning assets | 0.5002% | 2,944 |
| Net interest margin | 4.3973% | 409 |
| Noninterest income to average assets | 0.9039% | 1,252 |
| Noninterest expense to average assets | 3.0657% | 1,298 |
| Loan and lease loss provision to assets | 0.1312% | 2,722 |
| Net operating income to assets | 1.7203% | 472 |
| Return on assets (ROA) | 1.7203% | 514 |
| Pretax return on assets | 1.7624% | 742 |
| Return on Equity (ROE) | 18.4484% | 305 |
| Retained earnings to average equity (ytd only) | 5.4262% | 2,078 |
| Net charge-offs to loans | 0.0020% | 3,335 |
| Credit loss provision to net charge-offs | 8,800.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 1,270.5000% | 87 |
| Efficiency ratio | 61.8182% | 3,172 |
| Assets per employee ($millions) | 4.5386% | 3,881 |
| Cash dividends to net income (ytd only)* | 70.5870% | 941 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0004% | 586 |
| Loan loss allowance to noncurrent loans | 2,465.8537% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 3,768 |
| Noncurrent loans to loans | 0.0811% | 3,965 |
| Net loans and leases to total assets | 70.4063% | 1,507 |
| Net loans and leases to deposits | 78.2121% | 2,046 |
| Net loans and leases to core deposits | 81.0472% | 2,271 |
| Total domestic deposits to total assets | 90.0197% | 560 |
| Equity capital to assets | 9.1978% | 3,889 |
| Core capital (leverage) ratio | 9.1492% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $268,390,000 | 2,473 |
| Average earning assets | $247,516,200 | 2,478 |
| Average equity | $25,026,600 | 2,803 |
| Average total loans | $203,249,600 | 2,206 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9424% | 676 |
| Cost of funding earning assets | 0.5336% | 3,031 |
| Net interest margin | 4.4088% | 465 |
| Noninterest income to average assets | 0.8916% | 1,251 |
| Noninterest expense to average assets | 2.9523% | 1,554 |
| Loan and lease loss provision to assets | 0.1512% | 2,506 |
| Net operating income to assets | 1.8048% | 443 |
| Return on assets (ROA) | 1.8048% | 499 |
| Pretax return on assets | 1.8470% | 717 |
| Return on Equity (ROE) | 19.2853% | 277 |
| Retained earnings to average equity (ytd only) | 7.2810% | 1,596 |
| Net charge-offs to loans | -0.0066% | 4,118 |
| Credit loss provision to net charge-offs | -3,010.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6343% | 3,441 |
| Assets per employee ($millions) | 4.6103% | 3,714 |
| Cash dividends to net income (ytd only)* | 62.2458% | 1,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8494% | 650 |
| Loan loss allowance to noncurrent loans | 1,495.1493% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 3,708 |
| Noncurrent loans to loans | 0.1237% | 3,888 |
| Net loans and leases to total assets | 76.8784% | 977 |
| Net loans and leases to deposits | 85.5498% | 1,756 |
| Net loans and leases to core deposits | 89.5496% | 2,012 |
| Total domestic deposits to total assets | 89.8639% | 475 |
| Equity capital to assets | 9.3473% | 3,824 |
| Core capital (leverage) ratio | 9.3144% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $265,139,000 | 2,471 |
| Average earning assets | $244,111,250 | 2,487 |
| Average equity | $24,812,750 | 2,806 |
| Average total loans | $203,521,250 | 2,205 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0927% | 695 |
| Cost of funding earning assets | 0.5727% | 3,118 |
| Net interest margin | 4.5200% | 482 |
| Noninterest income to average assets | 0.8779% | 1,218 |
| Noninterest expense to average assets | 2.9865% | 1,610 |
| Loan and lease loss provision to assets | 0.2304% | 1,826 |
| Net operating income to assets | 1.7626% | 546 |
| Return on assets (ROA) | 1.7626% | 594 |
| Pretax return on assets | 1.8047% | 807 |
| Return on Equity (ROE) | 18.8269% | 317 |
| Retained earnings to average equity (ytd only) | 12.0499% | 458 |
| Net charge-offs to loans | -0.0020% | 3,824 |
| Credit loss provision to net charge-offs | -15,050.0000% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4726% | 3,488 |
| Assets per employee ($millions) | 4.7241% | 3,507 |
| Cash dividends to net income (ytd only)* | 35.9965% | 2,093 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9434% | 481 |
| Loan loss allowance to noncurrent loans | 2,030.4569% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 3,938 |
| Noncurrent loans to loans | 0.0957% | 4,071 |
| Net loans and leases to total assets | 74.9505% | 1,286 |
| Net loans and leases to deposits | 83.6625% | 2,027 |
| Net loans and leases to core deposits | 87.4930% | 2,307 |
| Total domestic deposits to total assets | 89.5867% | 536 |
| Equity capital to assets | 9.6304% | 3,541 |
| Core capital (leverage) ratio | 9.5476% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $261,313,333 | 2,471 |
| Average earning assets | $239,559,667 | 2,493 |
| Average equity | $24,465,000 | 2,817 |
| Average total loans | $199,140,000 | 2,231 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1303% | 754 |
| Cost of funding earning assets | 0.6441% | 3,196 |
| Net interest margin | 4.4863% | 518 |
| Noninterest income to average assets | 0.9653% | 922 |
| Noninterest expense to average assets | 3.1974% | 1,429 |
| Loan and lease loss provision to assets | 0.2347% | 1,321 |
| Net operating income to assets | 1.5948% | 634 |
| Return on assets (ROA) | 1.5948% | 695 |
| Pretax return on assets | 1.6368% | 978 |
| Return on Equity (ROE) | 17.2935% | 307 |
| Retained earnings to average equity (ytd only) | 3.3205% | 2,949 |
| Net charge-offs to loans | -0.0123% | 4,146 |
| Credit loss provision to net charge-offs | -2,516.6667% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0788% | 3,359 |
| Assets per employee ($millions) | 4.4896% | 3,273 |
| Cash dividends to net income (ytd only)* | 80.7992% | 1,016 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9572% | 541 |
| Loan loss allowance to noncurrent loans | 1,306.1017% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 3,028 |
| Noncurrent loans to loans | 0.1498% | 3,922 |
| Net loans and leases to total assets | 75.4221% | 1,398 |
| Net loans and leases to deposits | 83.7464% | 2,263 |
| Net loans and leases to core deposits | 87.6578% | 2,550 |
| Total domestic deposits to total assets | 90.0601% | 303 |
| Equity capital to assets | 9.1388% | 4,515 |
| Core capital (leverage) ratio | 9.3231% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $257,334,500 | 2,447 |
| Average earning assets | $235,384,000 | 2,468 |
| Average equity | $23,731,500 | 2,870 |
| Average total loans | $195,800,000 | 2,217 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2173% | 955 |
| Cost of funding earning assets | 0.7047% | 3,142 |
| Net interest margin | 4.5126% | 701 |
| Noninterest income to average assets | 1.0119% | 946 |
| Noninterest expense to average assets | 3.1301% | 1,691 |
| Loan and lease loss provision to assets | 0.1210% | 1,750 |
| Net operating income to assets | 1.8415% | 488 |
| Return on assets (ROA) | 1.8419% | 510 |
| Pretax return on assets | 1.8859% | 768 |
| Return on Equity (ROE) | 19.8580% | 223 |
| Retained earnings to average equity (ytd only) | 4.9740% | 2,435 |
| Net charge-offs to loans | 0.0131% | 3,223 |
| Credit loss provision to net charge-offs | 1,232.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 204.2400% | 397 |
| Efficiency ratio | 60.9364% | 3,546 |
| Assets per employee ($millions) | 4.5396% | 3,168 |
| Cash dividends to net income (ytd only)* | 74.9520% | 956 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8980% | 554 |
| Loan loss allowance to noncurrent loans | 855.5556% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,797 |
| Noncurrent loans to loans | 0.2218% | 3,654 |
| Net loans and leases to total assets | 73.8286% | 1,783 |
| Net loans and leases to deposits | 82.2682% | 2,530 |
| Net loans and leases to core deposits | 86.5366% | 2,752 |
| Total domestic deposits to total assets | 89.7415% | 409 |
| Equity capital to assets | 9.3044% | 4,488 |
| Core capital (leverage) ratio | 9.3644% | 4,208 |
| Tier 1 risk-based capital ratio | 12.0285% | 4,349 |
| Total risk-based capital ratio | 13.2859% | 4,213 |
| Memoranda: |
| Average total assets | $254,467,000 | 2,433 |
| Average earning assets | $232,591,800 | 2,454 |
| Average equity | $23,602,600 | 2,829 |
| Average total loans | $191,356,200 | 2,223 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2110% | 1,023 |
| Cost of funding earning assets | 0.7067% | 3,185 |
| Net interest margin | 4.5043% | 756 |
| Noninterest income to average assets | 1.0192% | 901 |
| Noninterest expense to average assets | 3.0060% | 1,963 |
| Loan and lease loss provision to assets | 0.1605% | 1,167 |
| Net operating income to assets | 1.9295% | 460 |
| Return on assets (ROA) | 1.9300% | 477 |
| Pretax return on assets | 1.9747% | 726 |
| Return on Equity (ROE) | 20.8248% | 205 |
| Retained earnings to average equity (ytd only) | 8.6751% | 1,141 |
| Net charge-offs to loans | 0.0105% | 2,991 |
| Credit loss provision to net charge-offs | 2,033.3333% | 200 |
| Earnings coverage of net charge-offs (x) | 270.4600% | 342 |
| Efficiency ratio | 58.4749% | 3,868 |
| Assets per employee ($millions) | 4.2460% | 3,555 |
| Cash dividends to net income (ytd only)* | 58.3424% | 1,354 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8832% | 569 |
| Loan loss allowance to noncurrent loans | 923.4414% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 2,931 |
| Noncurrent loans to loans | 0.2039% | 3,812 |
| Net loans and leases to total assets | 75.7314% | 1,525 |
| Net loans and leases to deposits | 84.5645% | 2,375 |
| Net loans and leases to core deposits | 88.8536% | 2,648 |
| Total domestic deposits to total assets | 89.5545% | 432 |
| Equity capital to assets | 9.6012% | 4,387 |
| Core capital (leverage) ratio | 9.7107% | 3,957 |
| Tier 1 risk-based capital ratio | 12.2310% | 4,292 |
| Total risk-based capital ratio | 13.4884% | 4,174 |
| Memoranda: |
| Average total assets | $253,393,750 | 2,461 |
| Average earning assets | $231,860,500 | 2,482 |
| Average equity | $23,484,250 | 2,851 |
| Average total loans | $190,511,500 | 2,249 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1651% | 1,054 |
| Cost of funding earning assets | 0.6983% | 3,176 |
| Net interest margin | 4.4668% | 827 |
| Noninterest income to average assets | 0.9868% | 894 |
| Noninterest expense to average assets | 2.9841% | 2,045 |
| Loan and lease loss provision to assets | 0.2396% | 656 |
| Net operating income to assets | 1.7989% | 596 |
| Return on assets (ROA) | 1.7997% | 619 |
| Pretax return on assets | 1.8455% | 938 |
| Return on Equity (ROE) | 19.6554% | 276 |
| Retained earnings to average equity (ytd only) | 8.8605% | 1,072 |
| Net charge-offs to loans | -0.0053% | 4,138 |
| Credit loss provision to net charge-offs | -6,060.0000% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8768% | 3,882 |
| Assets per employee ($millions) | 4.3590% | 3,349 |
| Cash dividends to net income (ytd only)* | 54.9209% | 1,583 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9527% | 512 |
| Loan loss allowance to noncurrent loans | 1,148.4568% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 2,517 |
| Noncurrent loans to loans | 0.1700% | 3,940 |
| Net loans and leases to total assets | 72.6486% | 2,125 |
| Net loans and leases to deposits | 80.8346% | 2,864 |
| Net loans and leases to core deposits | 83.9974% | 3,108 |
| Total domestic deposits to total assets | 89.8732% | 370 |
| Equity capital to assets | 9.2994% | 4,578 |
| Core capital (leverage) ratio | 9.4616% | 4,189 |
| Tier 1 risk-based capital ratio | 12.1514% | 4,328 |
| Total risk-based capital ratio | 13.4091% | 4,216 |
| Memoranda: |
| Average total assets | $252,938,000 | 2,471 |
| Average earning assets | $231,128,330 | 2,492 |
| Average equity | $23,159,000 | 2,870 |
| Average total loans | $188,469,670 | 2,271 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0080% | 1,326 |
| Cost of funding earning assets | 0.6777% | 3,166 |
| Net interest margin | 4.3302% | 1,043 |
| Noninterest income to average assets | 0.9282% | 976 |
| Noninterest expense to average assets | 3.0907% | 1,754 |
| Loan and lease loss provision to assets | 0.2408% | 618 |
| Net operating income to assets | 1.5007% | 1,115 |
| Return on assets (ROA) | 1.5023% | 1,140 |
| Pretax return on assets | 1.5517% | 1,610 |
| Return on Equity (ROE) | 16.5405% | 524 |
| Retained earnings to average equity (ytd only) | 7.7610% | 1,750 |
| Net charge-offs to loans | -0.0192% | 4,477 |
| Credit loss provision to net charge-offs | -1,677.7778% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3126% | 3,346 |
| Assets per employee ($millions) | 4.3591% | 3,404 |
| Cash dividends to net income (ytd only)* | 53.0786% | 1,544 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9158% | 581 |
| Loan loss allowance to noncurrent loans | 913.8107% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 2,438 |
| Noncurrent loans to loans | 0.2096% | 3,835 |
| Net loans and leases to total assets | 73.6239% | 1,881 |
| Net loans and leases to deposits | 81.9337% | 2,612 |
| Net loans and leases to core deposits | 86.0734% | 2,865 |
| Total domestic deposits to total assets | 89.8578% | 506 |
| Equity capital to assets | 9.3123% | 4,422 |
| Core capital (leverage) ratio | 9.4367% | 4,218 |
| Tier 1 risk-based capital ratio | 11.8685% | 4,529 |
| Total risk-based capital ratio | 13.1252% | 4,436 |
| Memoranda: |
| Average total assets | $250,817,500 | 2,503 |
| Average earning assets | $228,994,500 | 2,529 |
| Average equity | $22,780,500 | 2,901 |
| Average total loans | $187,425,500 | 2,300 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9232% | 1,224 |
| Cost of funding earning assets | 0.5331% | 3,160 |
| Net interest margin | 4.3900% | 959 |
| Noninterest income to average assets | 0.9403% | 1,081 |
| Noninterest expense to average assets | 3.2047% | 1,539 |
| Loan and lease loss provision to assets | 0.0866% | 2,409 |
| Net operating income to assets | 1.6019% | 862 |
| Return on assets (ROA) | 1.6019% | 851 |
| Pretax return on assets | 1.6436% | 1,330 |
| Return on Equity (ROE) | 17.8087% | 413 |
| Retained earnings to average equity (ytd only) | 7.9114% | 1,277 |
| Net charge-offs to loans | -0.0300% | 4,811 |
| Credit loss provision to net charge-offs | -381.4815% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9404% | 3,038 |
| Assets per employee ($millions) | 4.3650% | 3,357 |
| Cash dividends to net income (ytd only)* | 55.5760% | 1,703 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8121% | 666 |
| Loan loss allowance to noncurrent loans | 283.0017% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 1,618 |
| Noncurrent loans to loans | 0.6403% | 2,384 |
| Net loans and leases to total assets | 73.0479% | 2,089 |
| Net loans and leases to deposits | 80.9442% | 2,856 |
| Net loans and leases to core deposits | 85.0404% | 2,999 |
| Total domestic deposits to total assets | 90.2448% | 397 |
| Equity capital to assets | 8.8570% | 4,689 |
| Core capital (leverage) ratio | 9.3131% | 4,346 |
| Tier 1 risk-based capital ratio | 11.4425% | 4,744 |
| Total risk-based capital ratio | 12.6980% | 4,655 |
| Memoranda: |
| Average total assets | $237,898,600 | 2,558 |
| Average earning assets | $216,467,000 | 2,588 |
| Average equity | $21,399,600 | 2,950 |
| Average total loans | $179,854,000 | 2,337 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8767% | 1,217 |
| Cost of funding earning assets | 0.5074% | 3,151 |
| Net interest margin | 4.3694% | 967 |
| Noninterest income to average assets | 0.9501% | 1,059 |
| Noninterest expense to average assets | 3.1800% | 1,574 |
| Loan and lease loss provision to assets | 0.1173% | 1,730 |
| Net operating income to assets | 1.5943% | 975 |
| Return on assets (ROA) | 1.5943% | 980 |
| Pretax return on assets | 1.6359% | 1,465 |
| Return on Equity (ROE) | 17.6502% | 468 |
| Retained earnings to average equity (ytd only) | 6.6212% | 2,323 |
| Net charge-offs to loans | -0.0555% | 4,973 |
| Credit loss provision to net charge-offs | -278.3784% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4614% | 3,111 |
| Assets per employee ($millions) | 4.2260% | 3,538 |
| Cash dividends to net income (ytd only)* | 62.4865% | 1,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8640% | 642 |
| Loan loss allowance to noncurrent loans | 236.4325% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 1,439 |
| Noncurrent loans to loans | 0.7884% | 2,130 |
| Net loans and leases to total assets | 75.0336% | 1,808 |
| Net loans and leases to deposits | 83.1946% | 2,686 |
| Net loans and leases to core deposits | 86.6439% | 2,948 |
| Total domestic deposits to total assets | 90.1906% | 443 |
| Equity capital to assets | 8.9588% | 4,588 |
| Core capital (leverage) ratio | 9.3594% | 4,322 |
| Tier 1 risk-based capital ratio | 11.1515% | 4,970 |
| Total risk-based capital ratio | 12.4072% | 4,866 |
| Memoranda: |
| Average total assets | $234,081,250 | 2,593 |
| Average earning assets | $213,390,250 | 2,626 |
| Average equity | $21,143,750 | 2,990 |
| Average total loans | $177,730,750 | 2,365 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8191% | 1,199 |
| Cost of funding earning assets | 0.4918% | 3,067 |
| Net interest margin | 4.3273% | 984 |
| Noninterest income to average assets | 0.9301% | 1,106 |
| Noninterest expense to average assets | 3.1430% | 1,681 |
| Loan and lease loss provision to assets | 0.1760% | 1,030 |
| Net operating income to assets | 1.5021% | 1,159 |
| Return on assets (ROA) | 1.5021% | 1,157 |
| Pretax return on assets | 1.5435% | 1,673 |
| Return on Equity (ROE) | 16.5823% | 578 |
| Retained earnings to average equity (ytd only) | 3.8384% | 3,683 |
| Net charge-offs to loans | -0.0843% | 5,105 |
| Credit loss provision to net charge-offs | -275.6757% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6380% | 3,225 |
| Assets per employee ($millions) | 3.8426% | 4,142 |
| Cash dividends to net income (ytd only)* | 76.8524% | 785 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9602% | 555 |
| Loan loss allowance to noncurrent loans | 234.1980% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 1,401 |
| Noncurrent loans to loans | 0.8370% | 2,053 |
| Net loans and leases to total assets | 74.4279% | 1,876 |
| Net loans and leases to deposits | 83.1293% | 2,634 |
| Net loans and leases to core deposits | 87.3486% | 2,787 |
| Total domestic deposits to total assets | 89.5327% | 730 |
| Equity capital to assets | 9.1240% | 4,459 |
| Core capital (leverage) ratio | 9.1450% | 4,523 |
| Tier 1 risk-based capital ratio | 11.3656% | 4,859 |
| Total risk-based capital ratio | 12.6224% | 4,757 |
| Memoranda: |
| Average total assets | $231,815,000 | 2,619 |
| Average earning assets | $210,663,330 | 2,663 |
| Average equity | $20,998,330 | 3,019 |
| Average total loans | $175,583,000 | 2,394 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8088% | 1,067 |
| Cost of funding earning assets | 0.4552% | 3,169 |
| Net interest margin | 4.3537% | 850 |
| Noninterest income to average assets | 0.9774% | 961 |
| Noninterest expense to average assets | 3.1990% | 1,565 |
| Loan and lease loss provision to assets | 0.2616% | 545 |
| Net operating income to assets | 1.4094% | 1,320 |
| Return on assets (ROA) | 1.4094% | 1,327 |
| Pretax return on assets | 1.4507% | 1,834 |
| Return on Equity (ROE) | 15.6152% | 683 |
| Retained earnings to average equity (ytd only) | 7.0354% | 2,269 |
| Net charge-offs to loans | -0.3753% | 5,474 |
| Credit loss provision to net charge-offs | -92.1212% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1367% | 3,298 |
| Assets per employee ($millions) | 3.9510% | 4,060 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9785% | 567 |
| Loan loss allowance to noncurrent loans | 549.0506% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 1,422 |
| Noncurrent loans to loans | 0.3603% | 3,479 |
| Net loans and leases to total assets | 73.7508% | 1,904 |
| Net loans and leases to deposits | 83.0498% | 2,498 |
| Net loans and leases to core deposits | 89.0814% | 2,531 |
| Total domestic deposits to total assets | 88.8030% | 1,205 |
| Equity capital to assets | 9.0267% | 4,529 |
| Core capital (leverage) ratio | 9.1923% | 4,443 |
| Tier 1 risk-based capital ratio | 11.2386% | 5,014 |
| Total risk-based capital ratio | 12.4954% | 4,901 |
| Memoranda: |
| Average total assets | $232,444,500 | 2,640 |
| Average earning assets | $210,029,500 | 2,692 |
| Average equity | $20,979,500 | 3,045 |
| Average total loans | $175,860,000 | 2,402 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5962% | 1,443 |
| Cost of funding earning assets | 0.4269% | 2,985 |
| Net interest margin | 4.1693% | 1,252 |
| Noninterest income to average assets | 0.9522% | 1,134 |
| Noninterest expense to average assets | 3.1077% | 1,839 |
| Loan and lease loss provision to assets | 0.3652% | 418 |
| Net operating income to assets | 1.2634% | 1,317 |
| Return on assets (ROA) | 1.2634% | 1,340 |
| Pretax return on assets | 1.3040% | 2,329 |
| Return on Equity (ROE) | 14.4162% | 698 |
| Retained earnings to average equity (ytd only) | 7.1119% | 1,038 |
| Net charge-offs to loans | -0.0263% | 5,025 |
| Credit loss provision to net charge-offs | -1,877.7778% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0561% | 3,434 |
| Assets per employee ($millions) | 3.8630% | 4,178 |
| Cash dividends to net income (ytd only)* | 50.6671% | 2,247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7881% | 795 |
| Loan loss allowance to noncurrent loans | 529.0268% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 1,366 |
| Noncurrent loans to loans | 0.3380% | 3,550 |
| Net loans and leases to total assets | 74.7162% | 1,805 |
| Net loans and leases to deposits | 83.5680% | 2,539 |
| Net loans and leases to core deposits | 90.3691% | 2,531 |
| Total domestic deposits to total assets | 89.4077% | 816 |
| Equity capital to assets | 9.0245% | 4,690 |
| Core capital (leverage) ratio | 9.2571% | 4,338 |
| Tier 1 risk-based capital ratio | 10.7577% | 5,268 |
| Total risk-based capital ratio | 12.0121% | 5,161 |
| Memoranda: |
| Average total assets | $231,358,200 | 2,631 |
| Average earning assets | $212,240,200 | 2,640 |
| Average equity | $20,275,800 | 3,114 |
| Average total loans | $170,894,000 | 2,409 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5526% | 1,493 |
| Cost of funding earning assets | 0.4234% | 2,950 |
| Net interest margin | 4.1292% | 1,320 |
| Noninterest income to average assets | 0.9386% | 1,166 |
| Noninterest expense to average assets | 3.1232% | 1,741 |
| Loan and lease loss provision to assets | 0.3972% | 340 |
| Net operating income to assets | 1.1848% | 1,759 |
| Return on assets (ROA) | 1.1848% | 1,796 |
| Pretax return on assets | 1.2252% | 2,800 |
| Return on Equity (ROE) | 13.6210% | 906 |
| Retained earnings to average equity (ytd only) | 6.2637% | 2,079 |
| Net charge-offs to loans | -0.0409% | 5,100 |
| Credit loss provision to net charge-offs | -1,325.0000% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8122% | 3,243 |
| Assets per employee ($millions) | 3.3077% | 4,961 |
| Cash dividends to net income (ytd only)* | 54.0145% | 1,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7596% | 924 |
| Loan loss allowance to noncurrent loans | 482.1830% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 1,448 |
| Noncurrent loans to loans | 0.3649% | 3,645 |
| Net loans and leases to total assets | 73.4840% | 2,006 |
| Net loans and leases to deposits | 82.4431% | 2,729 |
| Net loans and leases to core deposits | 90.6660% | 2,555 |
| Total domestic deposits to total assets | 89.1330% | 814 |
| Equity capital to assets | 9.0430% | 4,879 |
| Core capital (leverage) ratio | 8.9587% | 4,786 |
| Tier 1 risk-based capital ratio | 10.8945% | 5,302 |
| Total risk-based capital ratio | 12.1483% | 5,193 |
| Memoranda: |
| Average total assets | $231,252,500 | 2,652 |
| Average earning assets | $213,207,000 | 2,655 |
| Average equity | $20,115,500 | 3,153 |
| Average total loans | $169,534,750 | 2,443 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4617% | 1,619 |
| Cost of funding earning assets | 0.4128% | 2,954 |
| Net interest margin | 4.0488% | 1,467 |
| Noninterest income to average assets | 0.9257% | 1,196 |
| Noninterest expense to average assets | 3.1327% | 1,760 |
| Loan and lease loss provision to assets | 0.3944% | 343 |
| Net operating income to assets | 1.0919% | 2,015 |
| Return on assets (ROA) | 1.0919% | 2,072 |
| Pretax return on assets | 1.1315% | 3,046 |
| Return on Equity (ROE) | 12.7175% | 1,107 |
| Retained earnings to average equity (ytd only) | 8.0036% | 1,163 |
| Net charge-offs to loans | 0.0059% | 3,249 |
| Credit loss provision to net charge-offs | 9,160.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 354.4000% | 240 |
| Efficiency ratio | 67.2458% | 3,141 |
| Assets per employee ($millions) | 3.6189% | 4,548 |
| Cash dividends to net income (ytd only)* | 37.0662% | 2,464 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5621% | 1,354 |
| Loan loss allowance to noncurrent loans | 587.8788% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 2,544 |
| Noncurrent loans to loans | 0.2657% | 4,088 |
| Net loans and leases to total assets | 73.8963% | 1,888 |
| Net loans and leases to deposits | 82.6336% | 2,633 |
| Net loans and leases to core deposits | 90.6193% | 2,467 |
| Total domestic deposits to total assets | 89.4265% | 749 |
| Equity capital to assets | 8.8620% | 5,028 |
| Core capital (leverage) ratio | 8.7761% | 4,977 |
| Tier 1 risk-based capital ratio | 10.4884% | 5,461 |
| Total risk-based capital ratio | 11.7397% | 5,389 |
| Memoranda: |
| Average total assets | $232,259,330 | 2,658 |
| Average earning assets | $214,136,000 | 2,665 |
| Average equity | $19,941,000 | 3,164 |
| Average total loans | $169,140,330 | 2,449 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3366% | 1,861 |
| Cost of funding earning assets | 0.4034% | 2,966 |
| Net interest margin | 3.9332% | 1,661 |
| Noninterest income to average assets | 0.9012% | 1,238 |
| Noninterest expense to average assets | 3.2315% | 1,520 |
| Loan and lease loss provision to assets | 0.3904% | 291 |
| Net operating income to assets | 0.8805% | 2,858 |
| Return on assets (ROA) | 0.8805% | 2,909 |
| Pretax return on assets | 0.9012% | 3,767 |
| Return on Equity (ROE) | 10.4229% | 1,769 |
| Retained earnings to average equity (ytd only) | 0.8550% | 4,705 |
| Net charge-offs to loans | 0.0120% | 2,577 |
| Credit loss provision to net charge-offs | 4,540.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 150.2000% | 363 |
| Efficiency ratio | 71.4449% | 2,673 |
| Assets per employee ($millions) | 3.8695% | 4,235 |
| Cash dividends to net income (ytd only)* | 91.7969% | 803 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4708% | 1,794 |
| Loan loss allowance to noncurrent loans | 1,002.0161% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 2,979 |
| Noncurrent loans to loans | 0.1468% | 4,598 |
| Net loans and leases to total assets | 70.5247% | 2,290 |
| Net loans and leases to deposits | 81.5744% | 2,561 |
| Net loans and leases to core deposits | 86.7215% | 2,663 |
| Total domestic deposits to total assets | 86.4545% | 2,465 |
| Equity capital to assets | 8.3451% | 5,331 |
| Core capital (leverage) ratio | 8.4003% | 5,306 |
| Tier 1 risk-based capital ratio | 10.4912% | 5,547 |
| Total risk-based capital ratio | 11.7419% | 5,470 |
| Memoranda: |
| Average total assets | $232,585,500 | 2,689 |
| Average earning assets | $214,177,000 | 2,686 |
| Average equity | $19,649,000 | 3,211 |
| Average total loans | $166,778,000 | 2,493 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3047% | 2,122 |
| Cost of funding earning assets | 0.3271% | 3,777 |
| Net interest margin | 3.9776% | 1,704 |
| Noninterest income to average assets | 0.9285% | 1,327 |
| Noninterest expense to average assets | 3.1275% | 1,961 |
| Loan and lease loss provision to assets | 0.2844% | 693 |
| Net operating income to assets | 1.1542% | 1,682 |
| Return on assets (ROA) | 1.1542% | 1,775 |
| Pretax return on assets | 1.1935% | 2,699 |
| Return on Equity (ROE) | 13.0322% | 987 |
| Retained earnings to average equity (ytd only) | 4.1338% | 2,964 |
| Net charge-offs to loans | 0.4148% | 633 |
| Credit loss provision to net charge-offs | 97.0079% | 2,664 |
| Earnings coverage of net charge-offs (x) | 5.0409% | 3,399 |
| Efficiency ratio | 67.9098% | 3,252 |
| Assets per employee ($millions) | 3.6956% | 4,482 |
| Cash dividends to net income (ytd only)* | 68.2800% | 1,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3748% | 2,198 |
| Loan loss allowance to noncurrent loans | 314.7427% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 2,302 |
| Noncurrent loans to loans | 0.4368% | 3,579 |
| Net loans and leases to total assets | 70.8509% | 2,357 |
| Net loans and leases to deposits | 81.1728% | 2,766 |
| Net loans and leases to core deposits | 87.7960% | 2,695 |
| Total domestic deposits to total assets | 87.2840% | 1,986 |
| Equity capital to assets | 8.5541% | 5,229 |
| Core capital (leverage) ratio | 8.7776% | 4,993 |
| Tier 1 risk-based capital ratio | 10.5864% | 5,534 |
| Total risk-based capital ratio | 11.8100% | 5,477 |
| Memoranda: |
| Average total assets | $216,596,400 | 2,792 |
| Average earning assets | $200,222,600 | 2,787 |
| Average equity | $19,183,200 | 3,251 |
| Average total loans | $153,079,800 | 2,604 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2910% | 2,184 |
| Cost of funding earning assets | 0.3132% | 3,941 |
| Net interest margin | 3.9778% | 1,716 |
| Noninterest income to average assets | 0.9350% | 1,296 |
| Noninterest expense to average assets | 3.1805% | 1,827 |
| Loan and lease loss provision to assets | 0.2861% | 609 |
| Net operating income to assets | 1.1105% | 1,949 |
| Return on assets (ROA) | 1.1105% | 2,052 |
| Pretax return on assets | 1.1499% | 3,053 |
| Return on Equity (ROE) | 12.4252% | 1,192 |
| Retained earnings to average equity (ytd only) | 2.5368% | 4,401 |
| Net charge-offs to loans | 0.0107% | 3,558 |
| Credit loss provision to net charge-offs | 3,816.6667% | 137 |
| Earnings coverage of net charge-offs (x) | 191.5788% | 384 |
| Efficiency ratio | 68.8946% | 3,062 |
| Assets per employee ($millions) | 3.5453% | 4,724 |
| Cash dividends to net income (ytd only)* | 79.5837% | 745 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7182% | 1,174 |
| Loan loss allowance to noncurrent loans | 342.7136% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 2,384 |
| Noncurrent loans to loans | 0.5014% | 3,503 |
| Net loans and leases to total assets | 72.1518% | 2,167 |
| Net loans and leases to deposits | 83.9452% | 2,488 |
| Net loans and leases to core deposits | 89.1478% | 2,654 |
| Total domestic deposits to total assets | 85.9510% | 2,387 |
| Equity capital to assets | 9.0338% | 5,145 |
| Core capital (leverage) ratio | 8.8096% | 5,042 |
| Tier 1 risk-based capital ratio | 10.5714% | 5,588 |
| Total risk-based capital ratio | 11.8242% | 5,501 |
| Memoranda: |
| Average total assets | $213,463,250 | 2,837 |
| Average earning assets | $197,556,250 | 2,823 |
| Average equity | $19,079,000 | 3,281 |
| Average total loans | $150,199,000 | 2,640 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2389% | 2,367 |
| Cost of funding earning assets | 0.3025% | 4,100 |
| Net interest margin | 3.9365% | 1,854 |
| Noninterest income to average assets | 0.9091% | 1,352 |
| Noninterest expense to average assets | 3.1374% | 1,957 |
| Loan and lease loss provision to assets | 0.2889% | 635 |
| Net operating income to assets | 1.0803% | 2,039 |
| Return on assets (ROA) | 1.0803% | 2,168 |
| Pretax return on assets | 1.1198% | 3,125 |
| Return on Equity (ROE) | 12.1312% | 1,265 |
| Retained earnings to average equity (ytd only) | -2.8215% | 5,614 |
| Net charge-offs to loans | -0.0054% | 4,547 |
| Credit loss provision to net charge-offs | -7,675.0000% | 5,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0126% | 3,147 |
| Assets per employee ($millions) | 3.6269% | 4,555 |
| Cash dividends to net income (ytd only)* | 123.2578% | 324 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7196% | 1,235 |
| Loan loss allowance to noncurrent loans | 212.5410% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 1.0758% | 1,976 |
| Noncurrent loans to loans | 0.8091% | 2,728 |
| Net loans and leases to total assets | 69.2544% | 2,594 |
| Net loans and leases to deposits | 81.9138% | 2,719 |
| Net loans and leases to core deposits | 85.0347% | 2,981 |
| Total domestic deposits to total assets | 84.5454% | 3,077 |
| Equity capital to assets | 8.8757% | 5,333 |
| Core capital (leverage) ratio | 8.5715% | 5,295 |
| Tier 1 risk-based capital ratio | 10.7291% | 5,561 |
| Total risk-based capital ratio | 11.9818% | 5,479 |
| Memoranda: |
| Average total assets | $212,529,330 | 2,862 |
| Average earning assets | $196,369,670 | 2,854 |
| Average equity | $18,926,330 | 3,311 |
| Average total loans | $147,343,000 | 2,684 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2095% | 2,436 |
| Cost of funding earning assets | 0.2905% | 4,273 |
| Net interest margin | 3.9190% | 1,886 |
| Noninterest income to average assets | 0.8650% | 1,396 |
| Noninterest expense to average assets | 3.0822% | 2,141 |
| Loan and lease loss provision to assets | 0.2890% | 561 |
| Net operating income to assets | 1.0727% | 2,004 |
| Return on assets (ROA) | 1.0727% | 2,117 |
| Pretax return on assets | 1.1124% | 3,043 |
| Return on Equity (ROE) | 12.0256% | 1,309 |
| Retained earnings to average equity (ytd only) | -6.2880% | 5,681 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7447% | 3,339 |
| Assets per employee ($millions) | 3.7748% | 4,354 |
| Cash dividends to net income (ytd only)* | 152.2887% | 367 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6657% | 1,438 |
| Loan loss allowance to noncurrent loans | 254.4410% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 1,680 |
| Noncurrent loans to loans | 0.6547% | 3,210 |
| Net loans and leases to total assets | 66.8073% | 2,841 |
| Net loans and leases to deposits | 79.7818% | 2,823 |
| Net loans and leases to core deposits | 82.7001% | 3,065 |
| Total domestic deposits to total assets | 83.7376% | 3,625 |
| Equity capital to assets | 8.7319% | 5,399 |
| Core capital (leverage) ratio | 8.7604% | 5,109 |
| Tier 1 risk-based capital ratio | 11.0028% | 5,502 |
| Total risk-based capital ratio | 12.2550% | 5,409 |
| Memoranda: |
| Average total assets | $211,800,000 | 2,873 |
| Average earning assets | $195,558,000 | 2,867 |
| Average equity | $18,893,000 | 3,314 |
| Average total loans | $145,620,000 | 2,711 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3544% | 2,043 |
| Cost of funding earning assets | 0.3254% | 3,961 |
| Net interest margin | 4.0290% | 1,619 |
| Noninterest income to average assets | 1.1101% | 953 |
| Noninterest expense to average assets | 3.0236% | 2,467 |
| Loan and lease loss provision to assets | 0.3760% | 376 |
| Net operating income to assets | 1.3738% | 1,088 |
| Return on assets (ROA) | 1.3738% | 1,134 |
| Pretax return on assets | 1.4135% | 1,842 |
| Return on Equity (ROE) | 15.2805% | 647 |
| Retained earnings to average equity (ytd only) | 1.1859% | 5,034 |
| Net charge-offs to loans | 0.3670% | 794 |
| Credit loss provision to net charge-offs | 148.4171% | 1,790 |
| Earnings coverage of net charge-offs (x) | 7.0633% | 3,123 |
| Efficiency ratio | 62.8210% | 4,475 |
| Assets per employee ($millions) | 3.7221% | 4,436 |
| Cash dividends to net income (ytd only)* | 92.2390% | 555 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5732% | 1,711 |
| Loan loss allowance to noncurrent loans | 101.1973% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.9469% | 918 |
| Noncurrent loans to loans | 1.5545% | 1,480 |
| Net loans and leases to total assets | 68.4995% | 2,626 |
| Net loans and leases to deposits | 80.4504% | 2,773 |
| Net loans and leases to core deposits | 82.7194% | 3,076 |
| Total domestic deposits to total assets | 85.1450% | 3,019 |
| Equity capital to assets | 9.1146% | 5,004 |
| Core capital (leverage) ratio | 8.9105% | 4,992 |
| Tier 1 risk-based capital ratio | 11.1326% | 5,452 |
| Total risk-based capital ratio | 12.3838% | 5,353 |
| Memoranda: |
| Average total assets | $211,963,200 | 2,824 |
| Average earning assets | $194,814,800 | 2,828 |
| Average equity | $19,057,000 | 3,257 |
| Average total loans | $146,320,000 | 2,646 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3528% | 2,067 |
| Cost of funding earning assets | 0.3320% | 3,962 |
| Net interest margin | 4.0208% | 1,636 |
| Noninterest income to average assets | 1.1789% | 870 |
| Noninterest expense to average assets | 2.9630% | 2,627 |
| Loan and lease loss provision to assets | 0.4335% | 260 |
| Net operating income to assets | 1.4376% | 1,030 |
| Return on assets (ROA) | 1.4376% | 1,075 |
| Pretax return on assets | 1.4771% | 1,745 |
| Return on Equity (ROE) | 16.0443% | 585 |
| Retained earnings to average equity (ytd only) | 2.6007% | 4,562 |
| Net charge-offs to loans | 0.3710% | 700 |
| Credit loss provision to net charge-offs | 169.6078% | 1,534 |
| Earnings coverage of net charge-offs (x) | 7.4754% | 2,912 |
| Efficiency ratio | 60.7969% | 4,778 |
| Assets per employee ($millions) | 3.7551% | 4,347 |
| Cash dividends to net income (ytd only)* | 83.7911% | 654 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5750% | 1,868 |
| Loan loss allowance to noncurrent loans | 78.7568% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.7749% | 578 |
| Noncurrent loans to loans | 1.9999% | 1,159 |
| Net loans and leases to total assets | 69.7746% | 2,422 |
| Net loans and leases to deposits | 82.1831% | 2,627 |
| Net loans and leases to core deposits | 84.5254% | 2,985 |
| Total domestic deposits to total assets | 84.9013% | 3,055 |
| Equity capital to assets | 9.3019% | 5,003 |
| Core capital (leverage) ratio | 8.8572% | 5,173 |
| Tier 1 risk-based capital ratio | 11.2519% | 5,519 |
| Total risk-based capital ratio | 12.5036% | 5,418 |
| Memoranda: |
| Average total assets | $212,845,250 | 2,833 |
| Average earning assets | $195,579,500 | 2,847 |
| Average equity | $19,071,750 | 3,289 |
| Average total loans | $146,635,250 | 2,653 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3393% | 2,049 |
| Cost of funding earning assets | 0.3325% | 4,018 |
| Net interest margin | 4.0068% | 1,624 |
| Noninterest income to average assets | 1.3026% | 718 |
| Noninterest expense to average assets | 3.0230% | 2,490 |
| Loan and lease loss provision to assets | 0.4261% | 261 |
| Net operating income to assets | 1.4915% | 909 |
| Return on assets (ROA) | 1.4915% | 957 |
| Pretax return on assets | 1.5306% | 1,556 |
| Return on Equity (ROE) | 16.8512% | 503 |
| Retained earnings to average equity (ytd only) | 4.3416% | 3,255 |
| Net charge-offs to loans | 0.5439% | 452 |
| Credit loss provision to net charge-offs | 114.7870% | 1,867 |
| Earnings coverage of net charge-offs (x) | 5.2707% | 2,939 |
| Efficiency ratio | 60.7063% | 4,877 |
| Assets per employee ($millions) | 3.7106% | 4,407 |
| Cash dividends to net income (ytd only)* | 74.2358% | 1,070 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3938% | 2,790 |
| Loan loss allowance to noncurrent loans | 69.8322% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.7342% | 653 |
| Noncurrent loans to loans | 1.9959% | 1,225 |
| Net loans and leases to total assets | 69.6067% | 2,379 |
| Net loans and leases to deposits | 83.9337% | 2,320 |
| Net loans and leases to core deposits | 86.3210% | 2,734 |
| Total domestic deposits to total assets | 82.9306% | 3,980 |
| Equity capital to assets | 9.0125% | 5,224 |
| Core capital (leverage) ratio | 8.8304% | 5,188 |
| Tier 1 risk-based capital ratio | 11.7977% | 5,280 |
| Total risk-based capital ratio | 13.0484% | 5,188 |
| Memoranda: |
| Average total assets | $214,951,000 | 2,837 |
| Average earning assets | $197,267,000 | 2,843 |
| Average equity | $19,025,330 | 3,313 |
| Average total loans | $146,710,330 | 2,665 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3522% | 1,934 |
| Cost of funding earning assets | 0.3343% | 4,051 |
| Net interest margin | 4.0178% | 1,499 |
| Noninterest income to average assets | 1.6209% | 474 |
| Noninterest expense to average assets | 3.1513% | 2,126 |
| Loan and lease loss provision to assets | 0.4191% | 269 |
| Net operating income to assets | 1.6947% | 598 |
| Return on assets (ROA) | 1.6947% | 624 |
| Pretax return on assets | 1.7335% | 983 |
| Return on Equity (ROE) | 19.3192% | 301 |
| Retained earnings to average equity (ytd only) | 6.9027% | 2,049 |
| Net charge-offs to loans | 0.1871% | 1,178 |
| Credit loss provision to net charge-offs | 333.8235% | 748 |
| Earnings coverage of net charge-offs (x) | 17.1471% | 1,537 |
| Efficiency ratio | 59.4152% | 5,168 |
| Assets per employee ($millions) | 3.7686% | 4,393 |
| Cash dividends to net income (ytd only)* | 64.2702% | 1,311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4575% | 2,637 |
| Loan loss allowance to noncurrent loans | 102.2983% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.3104% | 968 |
| Noncurrent loans to loans | 1.4247% | 2,012 |
| Net loans and leases to total assets | 67.4639% | 2,534 |
| Net loans and leases to deposits | 81.5559% | 2,386 |
| Net loans and leases to core deposits | 83.8090% | 2,794 |
| Total domestic deposits to total assets | 82.7211% | 4,264 |
| Equity capital to assets | 8.8073% | 5,494 |
| Core capital (leverage) ratio | 8.6255% | 5,399 |
| Tier 1 risk-based capital ratio | 11.4337% | 5,593 |
| Total risk-based capital ratio | 12.6845% | 5,501 |
| Memoranda: |
| Average total assets | $216,673,000 | 2,837 |
| Average earning assets | $198,614,000 | 2,851 |
| Average equity | $19,007,000 | 3,339 |
| Average total loans | $145,413,500 | 2,680 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2896% | 2,646 |
| Cost of funding earning assets | 0.3868% | 3,834 |
| Net interest margin | 3.9028% | 2,231 |
| Noninterest income to average assets | 0.8439% | 1,705 |
| Noninterest expense to average assets | 2.8487% | 3,309 |
| Loan and lease loss provision to assets | 0.0246% | 4,112 |
| Net operating income to assets | 1.4962% | 888 |
| Return on assets (ROA) | 1.4962% | 923 |
| Pretax return on assets | 1.5357% | 1,423 |
| Return on Equity (ROE) | 17.1157% | 478 |
| Retained earnings to average equity (ytd only) | 0.0851% | 5,731 |
| Net charge-offs to loans | 0.3501% | 1,253 |
| Credit loss provision to net charge-offs | 10.6000% | 4,095 |
| Earnings coverage of net charge-offs (x) | 6.7120% | 3,147 |
| Efficiency ratio | 64.6104% | 4,476 |
| Assets per employee ($millions) | 4.2111% | 3,519 |
| Cash dividends to net income (ytd only)* | 99.5028% | 361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4322% | 2,789 |
| Loan loss allowance to noncurrent loans | 252.4345% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 1.6781% | 1,602 |
| Noncurrent loans to loans | 0.5673% | 3,968 |
| Net loans and leases to total assets | 64.7967% | 3,090 |
| Net loans and leases to deposits | 77.0328% | 3,083 |
| Net loans and leases to core deposits | 79.2716% | 3,379 |
| Total domestic deposits to total assets | 84.1158% | 3,658 |
| Equity capital to assets | 8.7364% | 5,548 |
| Core capital (leverage) ratio | 8.6116% | 5,433 |
| Tier 1 risk-based capital ratio | 12.0060% | 5,364 |
| Total risk-based capital ratio | 13.2565% | 5,264 |
| Memoranda: |
| Average total assets | $215,082,000 | 2,831 |
| Average earning assets | $196,476,800 | 2,842 |
| Average equity | $18,801,400 | 3,310 |
| Average total loans | $142,804,200 | 2,672 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3039% | 2,616 |
| Cost of funding earning assets | 0.3969% | 3,823 |
| Net interest margin | 3.9070% | 2,207 |
| Noninterest income to average assets | 0.8576% | 1,671 |
| Noninterest expense to average assets | 2.7291% | 3,717 |
| Loan and lease loss provision to assets | 0.0006% | 4,398 |
| Net operating income to assets | 1.6570% | 669 |
| Return on assets (ROA) | 1.6570% | 696 |
| Pretax return on assets | 1.6967% | 1,075 |
| Return on Equity (ROE) | 18.9530% | 349 |
| Retained earnings to average equity (ytd only) | 4.6921% | 3,291 |
| Net charge-offs to loans | 0.0242% | 4,026 |
| Credit loss provision to net charge-offs | 3.8462% | 3,768 |
| Earnings coverage of net charge-offs (x) | 105.3334% | 563 |
| Efficiency ratio | 61.6548% | 4,939 |
| Assets per employee ($millions) | 3.9062% | 4,076 |
| Cash dividends to net income (ytd only)* | 75.2432% | 868 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7616% | 1,789 |
| Loan loss allowance to noncurrent loans | 123.1855% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.9091% | 1,531 |
| Noncurrent loans to loans | 1.4300% | 2,275 |
| Net loans and leases to total assets | 64.6136% | 3,089 |
| Net loans and leases to deposits | 77.0872% | 3,060 |
| Net loans and leases to core deposits | 79.3741% | 3,392 |
| Total domestic deposits to total assets | 83.8189% | 3,830 |
| Equity capital to assets | 9.1952% | 5,152 |
| Core capital (leverage) ratio | 8.7958% | 5,347 |
| Tier 1 risk-based capital ratio | 12.7113% | 5,035 |
| Total risk-based capital ratio | 13.9656% | 4,938 |
| Memoranda: |
| Average total assets | $215,160,750 | 2,854 |
| Average earning assets | $196,529,750 | 2,871 |
| Average equity | $18,811,000 | 3,327 |
| Average total loans | $143,209,250 | 2,682 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3218% | 2,515 |
| Cost of funding earning assets | 0.4026% | 3,843 |
| Net interest margin | 3.9192% | 2,085 |
| Noninterest income to average assets | 0.8552% | 1,636 |
| Noninterest expense to average assets | 2.7668% | 3,625 |
| Loan and lease loss provision to assets | 0.0009% | 4,190 |
| Net operating income to assets | 1.6170% | 680 |
| Return on assets (ROA) | 1.6170% | 706 |
| Pretax return on assets | 1.6567% | 1,121 |
| Return on Equity (ROE) | 18.8118% | 378 |
| Retained earnings to average equity (ytd only) | 5.5758% | 2,599 |
| Net charge-offs to loans | 0.0442% | 3,348 |
| Credit loss provision to net charge-offs | 3.1250% | 3,378 |
| Earnings coverage of net charge-offs (x) | 56.0938% | 847 |
| Efficiency ratio | 62.5339% | 4,937 |
| Assets per employee ($millions) | 3.9643% | 3,914 |
| Cash dividends to net income (ytd only)* | 70.3598% | 1,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6945% | 2,145 |
| Loan loss allowance to noncurrent loans | 500.6160% | 928 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 2,719 |
| Noncurrent loans to loans | 0.3385% | 5,000 |
| Net loans and leases to total assets | 66.0717% | 2,740 |
| Net loans and leases to deposits | 79.1668% | 2,632 |
| Net loans and leases to core deposits | 81.4860% | 3,032 |
| Total domestic deposits to total assets | 83.4588% | 4,128 |
| Equity capital to assets | 8.9442% | 5,365 |
| Core capital (leverage) ratio | 8.6026% | 5,528 |
| Tier 1 risk-based capital ratio | 12.3197% | 5,349 |
| Total risk-based capital ratio | 13.5736% | 5,267 |
| Memoranda: |
| Average total assets | $216,568,670 | 2,852 |
| Average earning assets | $197,233,330 | 2,866 |
| Average equity | $18,616,000 | 3,342 |
| Average total loans | $144,699,670 | 2,663 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2853% | 2,576 |
| Cost of funding earning assets | 0.4061% | 3,889 |
| Net interest margin | 3.8792% | 2,161 |
| Noninterest income to average assets | 0.9035% | 1,382 |
| Noninterest expense to average assets | 2.7362% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6528% | 617 |
| Return on assets (ROA) | 1.6528% | 645 |
| Pretax return on assets | 1.6932% | 989 |
| Return on Equity (ROE) | 19.6180% | 319 |
| Retained earnings to average equity (ytd only) | 4.6647% | 3,321 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7745% | 5,157 |
| Assets per employee ($millions) | 4.2229% | 3,481 |
| Cash dividends to net income (ytd only)* | 76.2222% | 1,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7152% | 2,305 |
| Loan loss allowance to noncurrent loans | 333.6486% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 2,759 |
| Noncurrent loans to loans | 0.5141% | 4,630 |
| Net loans and leases to total assets | 63.2124% | 3,032 |
| Net loans and leases to deposits | 75.8431% | 2,827 |
| Net loans and leases to core deposits | 78.2151% | 3,178 |
| Total domestic deposits to total assets | 83.3463% | 4,488 |
| Equity capital to assets | 8.3374% | 5,791 |
| Core capital (leverage) ratio | 8.4975% | 5,649 |
| Tier 1 risk-based capital ratio | 11.9733% | 5,661 |
| Total risk-based capital ratio | 13.2271% | 5,590 |
| Memoranda: |
| Average total assets | $217,817,000 | 2,854 |
| Average earning assets | $197,978,500 | 2,870 |
| Average equity | $18,350,500 | 3,374 |
| Average total loans | $145,110,000 | 2,659 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3550% | 2,755 |
| Cost of funding earning assets | 0.5179% | 3,418 |
| Net interest margin | 3.8370% | 2,513 |
| Noninterest income to average assets | 0.4441% | 4,126 |
| Noninterest expense to average assets | 2.6769% | 4,185 |
| Loan and lease loss provision to assets | 0.0009% | 5,081 |
| Net operating income to assets | 1.2055% | 1,542 |
| Return on assets (ROA) | 1.2055% | 1,617 |
| Pretax return on assets | 1.2465% | 2,381 |
| Return on Equity (ROE) | 13.9406% | 959 |
| Retained earnings to average equity (ytd only) | -2.2713% | 6,200 |
| Net charge-offs to loans | 0.1084% | 3,744 |
| Credit loss provision to net charge-offs | 1.3423% | 4,695 |
| Earnings coverage of net charge-offs (x) | 17.9463% | 1,686 |
| Efficiency ratio | 68.2121% | 4,162 |
| Assets per employee ($millions) | 3.8513% | 4,156 |
| Cash dividends to net income (ytd only)* | 116.2926% | 253 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6879% | 2,440 |
| Loan loss allowance to noncurrent loans | 144.3016% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.8157% | 2,023 |
| Noncurrent loans to loans | 1.1697% | 3,194 |
| Net loans and leases to total assets | 67.8895% | 2,376 |
| Net loans and leases to deposits | 78.3277% | 2,685 |
| Net loans and leases to core deposits | 80.5820% | 3,055 |
| Total domestic deposits to total assets | 86.6737% | 2,890 |
| Equity capital to assets | 8.5171% | 5,564 |
| Core capital (leverage) ratio | 8.5678% | 5,585 |
| Tier 1 risk-based capital ratio | 11.8689% | 5,695 |
| Total risk-based capital ratio | 13.1229% | 5,632 |
| Memoranda: |
| Average total assets | $214,352,800 | 2,868 |
| Average earning assets | $194,421,800 | 2,901 |
| Average equity | $18,535,800 | 3,338 |
| Average total loans | $137,469,800 | 2,741 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2910% | 3,035 |
| Cost of funding earning assets | 0.5419% | 3,346 |
| Net interest margin | 3.7491% | 2,853 |
| Noninterest income to average assets | 0.3820% | 4,661 |
| Noninterest expense to average assets | 2.6308% | 4,274 |
| Loan and lease loss provision to assets | 0.0012% | 4,927 |
| Net operating income to assets | 1.1076% | 1,978 |
| Return on assets (ROA) | 1.1076% | 2,050 |
| Pretax return on assets | 1.1480% | 2,905 |
| Return on Equity (ROE) | 12.7617% | 1,296 |
| Retained earnings to average equity (ytd only) | -2.4866% | 6,310 |
| Net charge-offs to loans | 0.1055% | 3,479 |
| Credit loss provision to net charge-offs | 1.8692% | 4,319 |
| Earnings coverage of net charge-offs (x) | 17.3181% | 1,738 |
| Efficiency ratio | 69.5980% | 3,818 |
| Assets per employee ($millions) | 4.0867% | 3,662 |
| Cash dividends to net income (ytd only)* | 119.4850% | 238 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7893% | 2,339 |
| Loan loss allowance to noncurrent loans | 198.6551% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 2.0625% | 1,951 |
| Noncurrent loans to loans | 0.9007% | 4,021 |
| Net loans and leases to total assets | 64.8556% | 2,837 |
| Net loans and leases to deposits | 75.3698% | 3,036 |
| Net loans and leases to core deposits | 78.0282% | 3,362 |
| Total domestic deposits to total assets | 86.0498% | 3,224 |
| Equity capital to assets | 8.5866% | 5,639 |
| Core capital (leverage) ratio | 8.6065% | 5,651 |
| Tier 1 risk-based capital ratio | 12.2258% | 5,623 |
| Total risk-based capital ratio | 13.4809% | 5,556 |
| Memoranda: |
| Average total assets | $214,985,500 | 2,884 |
| Average earning assets | $194,852,000 | 2,915 |
| Average equity | $18,659,500 | 3,349 |
| Average total loans | $135,268,750 | 2,780 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2112% | 3,321 |
| Cost of funding earning assets | 0.5650% | 3,266 |
| Net interest margin | 3.6461% | 3,194 |
| Noninterest income to average assets | 0.6005% | 3,188 |
| Noninterest expense to average assets | 2.6838% | 4,090 |
| Loan and lease loss provision to assets | 0.0009% | 4,775 |
| Net operating income to assets | 1.1881% | 1,621 |
| Return on assets (ROA) | 1.1881% | 1,730 |
| Pretax return on assets | 1.2288% | 2,566 |
| Return on Equity (ROE) | 13.6405% | 1,085 |
| Retained earnings to average equity (ytd only) | -2.8515% | 6,292 |
| Net charge-offs to loans | 0.1542% | 2,868 |
| Credit loss provision to net charge-offs | 0.9709% | 3,994 |
| Earnings coverage of net charge-offs (x) | 12.8835% | 1,946 |
| Efficiency ratio | 68.5768% | 4,087 |
| Assets per employee ($millions) | 4.0210% | 3,745 |
| Cash dividends to net income (ytd only)* | 120.9048% | 337 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8272% | 2,341 |
| Loan loss allowance to noncurrent loans | 1,174.7664% | 409 |
| Noncurrent assets plus other real estate owned to assets | 1.8619% | 2,327 |
| Noncurrent loans to loans | 0.1555% | 5,935 |
| Net loans and leases to total assets | 63.3814% | 3,029 |
| Net loans and leases to deposits | 74.5956% | 3,064 |
| Net loans and leases to core deposits | 77.2858% | 3,388 |
| Total domestic deposits to total assets | 84.9667% | 3,903 |
| Equity capital to assets | 8.5105% | 5,753 |
| Core capital (leverage) ratio | 8.5157% | 5,655 |
| Tier 1 risk-based capital ratio | 12.4124% | 5,560 |
| Total risk-based capital ratio | 13.6673% | 5,499 |
| Memoranda: |
| Average total assets | $215,812,000 | 2,892 |
| Average earning assets | $196,097,330 | 2,912 |
| Average equity | $18,797,000 | 3,353 |
| Average total loans | $133,580,670 | 2,812 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1801% | 3,383 |
| Cost of funding earning assets | 0.5916% | 3,184 |
| Net interest margin | 3.5885% | 3,309 |
| Noninterest income to average assets | 0.6963% | 2,609 |
| Noninterest expense to average assets | 2.6395% | 4,277 |
| Loan and lease loss provision to assets | 0.0018% | 4,397 |
| Net operating income to assets | 1.2544% | 1,393 |
| Return on assets (ROA) | 1.2544% | 1,492 |
| Pretax return on assets | 1.2949% | 2,248 |
| Return on Equity (ROE) | 14.2416% | 918 |
| Retained earnings to average equity (ytd only) | -18.1733% | 6,809 |
| Net charge-offs to loans | 0.0061% | 4,038 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 106 |
| Efficiency ratio | 67.0566% | 4,483 |
| Assets per employee ($millions) | 4.3747% | 3,198 |
| Cash dividends to net income (ytd only)* | 227.6065% | 169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9916% | 2,065 |
| Loan loss allowance to noncurrent loans | 1,828.6713% | 283 |
| Noncurrent assets plus other real estate owned to assets | 2.0221% | 2,310 |
| Noncurrent loans to loans | 0.1089% | 6,157 |
| Net loans and leases to total assets | 58.8328% | 3,646 |
| Net loans and leases to deposits | 68.3923% | 3,726 |
| Net loans and leases to core deposits | 71.2370% | 3,926 |
| Total domestic deposits to total assets | 86.0225% | 3,519 |
| Equity capital to assets | 8.5034% | 6,016 |
| Core capital (leverage) ratio | 8.2449% | 5,886 |
| Tier 1 risk-based capital ratio | 12.3519% | 5,677 |
| Total risk-based capital ratio | 13.6087% | 5,629 |
| Memoranda: |
| Average total assets | $217,161,500 | 2,912 |
| Average earning assets | $196,071,500 | 2,946 |
| Average equity | $19,127,000 | 3,360 |
| Average total loans | $131,577,000 | 2,873 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4823% | 3,475 |
| Cost of funding earning assets | 0.7891% | 2,755 |
| Net interest margin | 3.6931% | 3,677 |
| Noninterest income to average assets | 0.7072% | 2,685 |
| Noninterest expense to average assets | 2.8272% | 3,913 |
| Loan and lease loss provision to assets | 0.0005% | 5,903 |
| Net operating income to assets | 1.1590% | 1,743 |
| Return on assets (ROA) | 1.1590% | 1,899 |
| Pretax return on assets | 1.1997% | 2,809 |
| Return on Equity (ROE) | 12.7825% | 1,285 |
| Retained earnings to average equity (ytd only) | 0.4540% | 5,625 |
| Net charge-offs to loans | 0.0728% | 4,955 |
| Credit loss provision to net charge-offs | 1.0417% | 5,478 |
| Earnings coverage of net charge-offs (x) | 27.0313% | 1,081 |
| Efficiency ratio | 70.1998% | 3,772 |
| Assets per employee ($millions) | 4.2272% | 3,495 |
| Cash dividends to net income (ytd only)* | 96.4485% | 551 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9841% | 2,056 |
| Loan loss allowance to noncurrent loans | 833.1210% | 536 |
| Noncurrent assets plus other real estate owned to assets | 2.2515% | 2,181 |
| Noncurrent loans to loans | 0.2381% | 5,885 |
| Net loans and leases to total assets | 59.9455% | 3,612 |
| Net loans and leases to deposits | 68.9675% | 3,841 |
| Net loans and leases to core deposits | 71.7222% | 4,079 |
| Total domestic deposits to total assets | 86.9184% | 2,880 |
| Equity capital to assets | 9.1165% | 5,384 |
| Core capital (leverage) ratio | 9.0607% | 4,803 |
| Tier 1 risk-based capital ratio | 12.9547% | 5,140 |
| Total risk-based capital ratio | 14.2111% | 5,075 |
| Memoranda: |
| Average total assets | $216,219,000 | 2,874 |
| Average earning assets | $194,387,800 | 2,905 |
| Average equity | $19,605,000 | 3,247 |
| Average total loans | $131,911,200 | 2,846 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4333% | 3,909 |
| Cost of funding earning assets | 0.8378% | 2,644 |
| Net interest margin | 3.5955% | 4,251 |
| Noninterest income to average assets | 0.6840% | 2,789 |
| Noninterest expense to average assets | 2.7944% | 4,000 |
| Loan and lease loss provision to assets | 0.1855% | 3,270 |
| Net operating income to assets | 0.9033% | 2,972 |
| Return on assets (ROA) | 0.9033% | 3,199 |
| Pretax return on assets | 0.9434% | 3,945 |
| Return on Equity (ROE) | 9.9762% | 2,358 |
| Retained earnings to average equity (ytd only) | -0.5921% | 6,200 |
| Net charge-offs to loans | 0.4326% | 2,369 |
| Credit loss provision to net charge-offs | 70.3271% | 3,891 |
| Earnings coverage of net charge-offs (x) | 4.2804% | 3,352 |
| Efficiency ratio | 71.2266% | 3,463 |
| Assets per employee ($millions) | 3.8940% | 4,100 |
| Cash dividends to net income (ytd only)* | 105.9341% | 278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9732% | 2,250 |
| Loan loss allowance to noncurrent loans | 168.5584% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 2.9382% | 1,782 |
| Noncurrent loans to loans | 1.1706% | 4,109 |
| Net loans and leases to total assets | 62.2015% | 3,346 |
| Net loans and leases to deposits | 72.4172% | 3,548 |
| Net loans and leases to core deposits | 75.1661% | 3,828 |
| Total domestic deposits to total assets | 85.8933% | 3,310 |
| Equity capital to assets | 9.4499% | 5,260 |
| Core capital (leverage) ratio | 8.6478% | 5,555 |
| Tier 1 risk-based capital ratio | 13.0215% | 5,223 |
| Total risk-based capital ratio | 14.2781% | 5,183 |
| Memoranda: |
| Average total assets | $216,377,250 | 2,903 |
| Average earning assets | $194,942,250 | 2,925 |
| Average equity | $19,592,750 | 3,282 |
| Average total loans | $131,926,500 | 2,876 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3463% | 4,388 |
| Cost of funding earning assets | 0.8800% | 2,561 |
| Net interest margin | 3.4663% | 4,814 |
| Noninterest income to average assets | 0.8320% | 2,048 |
| Noninterest expense to average assets | 2.7782% | 4,101 |
| Loan and lease loss provision to assets | 0.2740% | 2,394 |
| Net operating income to assets | 0.8630% | 3,070 |
| Return on assets (ROA) | 0.8630% | 3,337 |
| Pretax return on assets | 0.9030% | 4,068 |
| Return on Equity (ROE) | 9.6623% | 2,507 |
| Retained earnings to average equity (ytd only) | 3.8833% | 4,035 |
| Net charge-offs to loans | 0.5656% | 1,900 |
| Credit loss provision to net charge-offs | 80.4813% | 3,309 |
| Earnings coverage of net charge-offs (x) | 3.4572% | 3,366 |
| Efficiency ratio | 70.2417% | 3,726 |
| Assets per employee ($millions) | 4.0041% | 3,860 |
| Cash dividends to net income (ytd only)* | 59.8101% | 1,374 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0163% | 2,186 |
| Loan loss allowance to noncurrent loans | 69.7515% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 3.9584% | 1,302 |
| Noncurrent loans to loans | 2.8907% | 2,069 |
| Net loans and leases to total assets | 59.2891% | 3,945 |
| Net loans and leases to deposits | 69.9107% | 3,908 |
| Net loans and leases to core deposits | 72.8047% | 4,197 |
| Total domestic deposits to total assets | 84.8068% | 3,945 |
| Equity capital to assets | 9.2118% | 5,452 |
| Core capital (leverage) ratio | 8.6959% | 5,392 |
| Tier 1 risk-based capital ratio | 13.1064% | 5,110 |
| Total risk-based capital ratio | 14.3629% | 5,079 |
| Memoranda: |
| Average total assets | $219,708,330 | 2,872 |
| Average earning assets | $197,962,330 | 2,899 |
| Average equity | $19,622,670 | 3,269 |
| Average total loans | $132,249,330 | 2,885 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3557% | 4,496 |
| Cost of funding earning assets | 0.9391% | 2,383 |
| Net interest margin | 3.4166% | 5,045 |
| Noninterest income to average assets | 0.8760% | 1,846 |
| Noninterest expense to average assets | 2.6733% | 4,529 |
| Loan and lease loss provision to assets | 0.4082% | 1,545 |
| Net operating income to assets | 0.8219% | 3,289 |
| Return on assets (ROA) | 0.8219% | 3,523 |
| Pretax return on assets | 0.8634% | 4,176 |
| Return on Equity (ROE) | 9.3453% | 2,662 |
| Retained earnings to average equity (ytd only) | -2.3004% | 6,321 |
| Net charge-offs to loans | 0.0060% | 4,663 |
| Credit loss provision to net charge-offs | 11,300.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 89 |
| Efficiency ratio | 67.7656% | 4,214 |
| Assets per employee ($millions) | 4.2235% | 3,532 |
| Cash dividends to net income (ytd only)* | 124.6154% | 408 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2508% | 1,776 |
| Loan loss allowance to noncurrent loans | 91.8335% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 3.5851% | 1,592 |
| Noncurrent loans to loans | 2.4509% | 2,662 |
| Net loans and leases to total assets | 56.9434% | 4,226 |
| Net loans and leases to deposits | 65.9374% | 4,389 |
| Net loans and leases to core deposits | 68.5281% | 4,624 |
| Total domestic deposits to total assets | 86.3598% | 3,328 |
| Equity capital to assets | 8.6587% | 5,922 |
| Core capital (leverage) ratio | 8.4082% | 5,728 |
| Tier 1 risk-based capital ratio | 12.6001% | 5,520 |
| Total risk-based capital ratio | 13.8593% | 5,485 |
| Memoranda: |
| Average total assets | $221,451,500 | 2,873 |
| Average earning assets | $198,912,000 | 2,909 |
| Average equity | $19,475,000 | 3,292 |
| Average total loans | $132,957,000 | 2,889 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9997% | 2,883 |
| Cost of funding earning assets | 1.1855% | 2,126 |
| Net interest margin | 3.8143% | 3,749 |
| Noninterest income to average assets | 0.9035% | 1,662 |
| Noninterest expense to average assets | 2.7013% | 4,744 |
| Loan and lease loss provision to assets | 0.5068% | 2,074 |
| Net operating income to assets | 1.1181% | 1,765 |
| Return on assets (ROA) | 1.1181% | 1,888 |
| Pretax return on assets | 1.1248% | 2,746 |
| Return on Equity (ROE) | 12.4640% | 1,288 |
| Retained earnings to average equity (ytd only) | 9.4361% | 685 |
| Net charge-offs to loans | 0.3423% | 3,691 |
| Credit loss provision to net charge-offs | 226.0684% | 1,074 |
| Earnings coverage of net charge-offs (x) | 7.2778% | 2,363 |
| Efficiency ratio | 62.3438% | 5,404 |
| Assets per employee ($millions) | 4.1332% | 3,584 |
| Cash dividends to net income (ytd only)* | 24.2931% | 3,359 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0005% | 2,274 |
| Loan loss allowance to noncurrent loans | 65.1057% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 4.1482% | 1,372 |
| Noncurrent loans to loans | 3.0727% | 2,105 |
| Net loans and leases to total assets | 60.6246% | 3,865 |
| Net loans and leases to deposits | 69.8305% | 4,133 |
| Net loans and leases to core deposits | 73.3820% | 4,326 |
| Total domestic deposits to total assets | 86.8167% | 2,862 |
| Equity capital to assets | 8.9328% | 5,631 |
| Core capital (leverage) ratio | 8.7638% | 5,154 |
| Tier 1 risk-based capital ratio | 12.3504% | 5,581 |
| Total risk-based capital ratio | 13.6068% | 5,544 |
| Memoranda: |
| Average total assets | $208,752,800 | 2,959 |
| Average earning assets | $187,690,600 | 2,989 |
| Average equity | $18,726,000 | 3,320 |
| Average total loans | $136,737,200 | 2,862 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1213% | 2,510 |
| Cost of funding earning assets | 1.2371% | 2,079 |
| Net interest margin | 3.8842% | 3,462 |
| Noninterest income to average assets | 0.9539% | 1,475 |
| Noninterest expense to average assets | 2.7723% | 4,454 |
| Loan and lease loss provision to assets | 0.5865% | 1,679 |
| Net operating income to assets | 1.0987% | 1,973 |
| Return on assets (ROA) | 1.0987% | 2,118 |
| Pretax return on assets | 1.0935% | 3,041 |
| Return on Equity (ROE) | 12.2345% | 1,482 |
| Retained earnings to average equity (ytd only) | 12.2345% | 477 |
| Net charge-offs to loans | 0.2734% | 3,728 |
| Credit loss provision to net charge-offs | 322.7758% | 866 |
| Earnings coverage of net charge-offs (x) | 9.2455% | 2,077 |
| Efficiency ratio | 62.2658% | 5,372 |
| Assets per employee ($millions) | 4.0468% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0725% | 2,136 |
| Loan loss allowance to noncurrent loans | 82.4925% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 4.0726% | 1,504 |
| Noncurrent loans to loans | 2.5123% | 2,759 |
| Net loans and leases to total assets | 61.6822% | 3,803 |
| Net loans and leases to deposits | 73.2645% | 3,771 |
| Net loans and leases to core deposits | 77.1575% | 4,024 |
| Total domestic deposits to total assets | 84.1911% | 4,134 |
| Equity capital to assets | 9.3023% | 5,378 |
| Core capital (leverage) ratio | 8.9321% | 5,045 |
| Tier 1 risk-based capital ratio | 12.5767% | 5,426 |
| Total risk-based capital ratio | 13.8339% | 5,401 |
| Memoranda: |
| Average total assets | $206,176,500 | 3,004 |
| Average earning assets | $185,703,000 | 3,029 |
| Average equity | $18,515,500 | 3,350 |
| Average total loans | $137,043,000 | 2,881 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1794% | 2,348 |
| Cost of funding earning assets | 1.2667% | 2,140 |
| Net interest margin | 3.9126% | 3,248 |
| Noninterest income to average assets | 0.9221% | 1,576 |
| Noninterest expense to average assets | 2.8092% | 4,393 |
| Loan and lease loss provision to assets | 0.6652% | 1,449 |
| Net operating income to assets | 1.0090% | 2,187 |
| Return on assets (ROA) | 1.0090% | 2,287 |
| Pretax return on assets | 0.9807% | 3,311 |
| Return on Equity (ROE) | 11.3752% | 1,678 |
| Retained earnings to average equity (ytd only) | 11.3752% | 609 |
| Net charge-offs to loans | 0.4057% | 2,930 |
| Credit loss provision to net charge-offs | 242.3488% | 1,249 |
| Earnings coverage of net charge-offs (x) | 5.9964% | 2,497 |
| Efficiency ratio | 63.0563% | 5,399 |
| Assets per employee ($millions) | 3.9406% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8604% | 2,797 |
| Loan loss allowance to noncurrent loans | 54.1452% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 4.3624% | 1,451 |
| Noncurrent loans to loans | 3.4359% | 2,060 |
| Net loans and leases to total assets | 64.9012% | 3,273 |
| Net loans and leases to deposits | 78.0063% | 3,119 |
| Net loans and leases to core deposits | 81.3856% | 3,597 |
| Total domestic deposits to total assets | 83.1999% | 4,669 |
| Equity capital to assets | 9.1948% | 5,285 |
| Core capital (leverage) ratio | 8.6866% | 5,244 |
| Tier 1 risk-based capital ratio | 12.0220% | 5,774 |
| Total risk-based capital ratio | 13.2772% | 5,729 |
| Memoranda: |
| Average total assets | $204,758,000 | 3,044 |
| Average earning assets | $184,888,000 | 3,058 |
| Average equity | $18,162,330 | 3,393 |
| Average total loans | $138,542,000 | 2,874 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4249% | 1,489 |
| Cost of funding earning assets | 1.2684% | 2,369 |
| Net interest margin | 4.1565% | 2,056 |
| Noninterest income to average assets | 0.9380% | 1,514 |
| Noninterest expense to average assets | 2.9783% | 3,736 |
| Loan and lease loss provision to assets | 0.8911% | 906 |
| Net operating income to assets | 0.9107% | 2,509 |
| Return on assets (ROA) | 0.9107% | 2,567 |
| Pretax return on assets | 0.8149% | 3,848 |
| Return on Equity (ROE) | 10.4584% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.4584% | 1,004 |
| Net charge-offs to loans | 0.1885% | 3,370 |
| Credit loss provision to net charge-offs | 690.9091% | 549 |
| Earnings coverage of net charge-offs (x) | 13.2273% | 1,452 |
| Efficiency ratio | 63.5795% | 5,433 |
| Assets per employee ($millions) | 3.9733% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7810% | 3,065 |
| Loan loss allowance to noncurrent loans | 68.8700% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 3.1387% | 2,198 |
| Noncurrent loans to loans | 2.5860% | 2,910 |
| Net loans and leases to total assets | 67.0229% | 2,752 |
| Net loans and leases to deposits | 79.6235% | 2,784 |
| Net loans and leases to core deposits | 82.5679% | 3,373 |
| Total domestic deposits to total assets | 84.1748% | 4,420 |
| Equity capital to assets | 8.7197% | 5,629 |
| Core capital (leverage) ratio | 8.3172% | 5,781 |
| Tier 1 risk-based capital ratio | 11.2502% | 6,306 |
| Total risk-based capital ratio | 12.5043% | 6,281 |
| Memoranda: |
| Average total assets | $204,682,000 | 3,058 |
| Average earning assets | $184,484,000 | 3,084 |
| Average equity | $17,823,000 | 3,425 |
| Average total loans | $140,058,000 | 2,888 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5632% | 2,038 |
| Cost of funding earning assets | 1.5353% | 2,441 |
| Net interest margin | 4.0279% | 2,892 |
| Noninterest income to average assets | 1.0901% | 1,259 |
| Noninterest expense to average assets | 2.7492% | 4,783 |
| Loan and lease loss provision to assets | 1.7807% | 777 |
| Net operating income to assets | 0.1361% | 5,483 |
| Return on assets (ROA) | 0.1361% | 5,634 |
| Pretax return on assets | 0.1760% | 5,541 |
| Return on Equity (ROE) | 1.5604% | 5,539 |
| Retained earnings to average equity (ytd only) | 1.5604% | 4,751 |
| Net charge-offs to loans | 2.6054% | 709 |
| Credit loss provision to net charge-offs | 97.7303% | 4,746 |
| Earnings coverage of net charge-offs (x) | 1.0739% | 5,039 |
| Efficiency ratio | 58.4202% | 6,285 |
| Assets per employee ($millions) | 3.8255% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5245% | 3,880 |
| Loan loss allowance to noncurrent loans | 55.4800% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 3.3435% | 2,105 |
| Noncurrent loans to loans | 2.7478% | 2,769 |
| Net loans and leases to total assets | 67.5735% | 3,087 |
| Net loans and leases to deposits | 79.5644% | 3,250 |
| Net loans and leases to core deposits | 82.9013% | 3,763 |
| Total domestic deposits to total assets | 84.9293% | 3,893 |
| Equity capital to assets | 8.6954% | 5,593 |
| Core capital (leverage) ratio | 8.1835% | 5,857 |
| Tier 1 risk-based capital ratio | 11.0878% | 6,260 |
| Total risk-based capital ratio | 12.3393% | 6,230 |
| Memoranda: |
| Average total assets | $207,953,200 | 3,002 |
| Average earning assets | $186,674,200 | 3,045 |
| Average equity | $18,136,800 | 3,406 |
| Average total loans | $145,426,400 | 2,849 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5426% | 2,281 |
| Cost of funding earning assets | 1.5951% | 2,417 |
| Net interest margin | 3.9476% | 3,329 |
| Noninterest income to average assets | 1.0870% | 1,205 |
| Noninterest expense to average assets | 2.6895% | 4,921 |
| Loan and lease loss provision to assets | 0.7621% | 2,007 |
| Net operating income to assets | 1.1354% | 1,782 |
| Return on assets (ROA) | 1.1354% | 1,893 |
| Pretax return on assets | 1.1756% | 2,583 |
| Return on Equity (ROE) | 13.0092% | 1,245 |
| Retained earnings to average equity (ytd only) | 13.0092% | 348 |
| Net charge-offs to loans | 1.1537% | 1,768 |
| Credit loss provision to net charge-offs | 94.0252% | 4,611 |
| Earnings coverage of net charge-offs (x) | 2.3907% | 3,976 |
| Efficiency ratio | 58.1245% | 6,253 |
| Assets per employee ($millions) | 3.5247% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4668% | 4,122 |
| Loan loss allowance to noncurrent loans | 59.9100% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 3.1836% | 2,257 |
| Noncurrent loans to loans | 2.4483% | 3,179 |
| Net loans and leases to total assets | 72.5256% | 2,122 |
| Net loans and leases to deposits | 86.5130% | 2,236 |
| Net loans and leases to core deposits | 90.5425% | 3,017 |
| Total domestic deposits to total assets | 83.8320% | 4,219 |
| Equity capital to assets | 9.8782% | 4,319 |
| Core capital (leverage) ratio | 8.9856% | 4,719 |
| Tier 1 risk-based capital ratio | 11.8359% | 5,602 |
| Total risk-based capital ratio | 13.0872% | 5,581 |
| Memoranda: |
| Average total assets | $209,253,750 | 3,034 |
| Average earning assets | $187,655,750 | 3,077 |
| Average equity | $18,263,500 | 3,431 |
| Average total loans | $147,001,250 | 2,857 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4246% | 2,866 |
| Cost of funding earning assets | 1.6224% | 2,532 |
| Net interest margin | 3.8022% | 3,882 |
| Noninterest income to average assets | 1.0891% | 1,128 |
| Noninterest expense to average assets | 2.5458% | 5,539 |
| Loan and lease loss provision to assets | 0.6998% | 2,078 |
| Net operating income to assets | 1.2129% | 1,527 |
| Return on assets (ROA) | 1.2129% | 1,593 |
| Pretax return on assets | 1.2532% | 2,246 |
| Return on Equity (ROE) | 14.4858% | 945 |
| Retained earnings to average equity (ytd only) | 14.4858% | 278 |
| Net charge-offs to loans | 0.7982% | 2,251 |
| Credit loss provision to net charge-offs | 126.6553% | 3,182 |
| Earnings coverage of net charge-offs (x) | 3.5348% | 3,285 |
| Efficiency ratio | 56.5888% | 6,564 |
| Assets per employee ($millions) | 3.9713% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6094% | 3,406 |
| Loan loss allowance to noncurrent loans | 51.5932% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.3931% | 3,007 |
| Noncurrent loans to loans | 3.1194% | 2,576 |
| Net loans and leases to total assets | 69.9841% | 2,900 |
| Net loans and leases to deposits | 83.4726% | 2,982 |
| Net loans and leases to core deposits | 88.1280% | 3,530 |
| Total domestic deposits to total assets | 83.8407% | 4,179 |
| Equity capital to assets | 9.1348% | 5,243 |
| Core capital (leverage) ratio | 8.4865% | 5,433 |
| Tier 1 risk-based capital ratio | 11.3918% | 5,874 |
| Total risk-based capital ratio | 12.6450% | 5,848 |
| Memoranda: |
| Average total assets | $213,210,330 | 3,020 |
| Average earning assets | $191,203,330 | 3,045 |
| Average equity | $17,852,000 | 3,484 |
| Average total loans | $147,573,330 | 2,875 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3485% | 3,309 |
| Cost of funding earning assets | 1.6718% | 2,530 |
| Net interest margin | 3.6767% | 4,364 |
| Noninterest income to average assets | 0.9180% | 1,563 |
| Noninterest expense to average assets | 2.4935% | 5,751 |
| Loan and lease loss provision to assets | 0.2771% | 3,807 |
| Net operating income to assets | 1.3687% | 1,146 |
| Return on assets (ROA) | 1.3687% | 1,215 |
| Pretax return on assets | 1.4093% | 1,745 |
| Return on Equity (ROE) | 17.0875% | 600 |
| Retained earnings to average equity (ytd only) | 17.0875% | 279 |
| Net charge-offs to loans | 0.0216% | 5,276 |
| Credit loss provision to net charge-offs | 1,875.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 114.1250% | 284 |
| Efficiency ratio | 59.6553% | 6,234 |
| Assets per employee ($millions) | 4.0767% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6228% | 3,355 |
| Loan loss allowance to noncurrent loans | 49.3073% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 3.0037% | 2,383 |
| Noncurrent loans to loans | 3.2911% | 2,421 |
| Net loans and leases to total assets | 68.4924% | 3,279 |
| Net loans and leases to deposits | 80.4720% | 3,561 |
| Net loans and leases to core deposits | 86.1874% | 3,865 |
| Total domestic deposits to total assets | 85.1134% | 3,605 |
| Equity capital to assets | 8.4887% | 6,014 |
| Core capital (leverage) ratio | 7.9639% | 6,286 |
| Tier 1 risk-based capital ratio | 10.7076% | 6,432 |
| Total risk-based capital ratio | 11.9606% | 6,418 |
| Memoranda: |
| Average total assets | $216,562,000 | 3,030 |
| Average earning assets | $192,129,000 | 3,093 |
| Average equity | $17,346,000 | 3,593 |
| Average total loans | $147,917,000 | 2,927 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9710% | 1,986 |
| Cost of funding earning assets | 1.9564% | 3,182 |
| Net interest margin | 4.0146% | 2,813 |
| Noninterest income to average assets | 1.0834% | 1,314 |
| Noninterest expense to average assets | 2.6379% | 5,634 |
| Loan and lease loss provision to assets | 0.6847% | 3,085 |
| Net operating income to assets | 1.2782% | 1,079 |
| Return on assets (ROA) | 1.2782% | 1,134 |
| Pretax return on assets | 1.3178% | 1,647 |
| Return on Equity (ROE) | 16.1790% | 536 |
| Retained earnings to average equity (ytd only) | 6.1945% | 1,275 |
| Net charge-offs to loans | 0.7224% | 3,026 |
| Credit loss provision to net charge-offs | 135.1094% | 3,673 |
| Earnings coverage of net charge-offs (x) | 3.9515% | 3,129 |
| Efficiency ratio | 56.8475% | 6,906 |
| Assets per employee ($millions) | 4.3310% | 3,222 |
| Cash dividends to net income (ytd only)* | 61.7126% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4608% | 3,921 |
| Loan loss allowance to noncurrent loans | 172.9624% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 4,731 |
| Noncurrent loans to loans | 0.8446% | 5,600 |
| Net loans and leases to total assets | 66.1039% | 4,121 |
| Net loans and leases to deposits | 76.2580% | 4,694 |
| Net loans and leases to core deposits | 93.6644% | 4,709 |
| Total domestic deposits to total assets | 86.6845% | 2,659 |
| Equity capital to assets | 7.5675% | 6,971 |
| Core capital (leverage) ratio | 7.5516% | 6,738 |
| Tier 1 risk-based capital ratio | 9.6821% | 7,110 |
| Total risk-based capital ratio | 10.9330% | 7,082 |
| Memoranda: |
| Average total assets | $207,396,200 | 3,090 |
| Average earning assets | $183,753,400 | 3,170 |
| Average equity | $16,385,400 | 3,806 |
| Average total loans | $145,490,000 | 2,993 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0298% | 1,917 |
| Cost of funding earning assets | 2.0117% | 3,297 |
| Net interest margin | 4.0181% | 2,731 |
| Noninterest income to average assets | 1.1090% | 1,281 |
| Noninterest expense to average assets | 2.6917% | 5,365 |
| Loan and lease loss provision to assets | 0.5420% | 3,226 |
| Net operating income to assets | 1.4191% | 983 |
| Return on assets (ROA) | 1.4191% | 1,049 |
| Pretax return on assets | 1.4578% | 1,530 |
| Return on Equity (ROE) | 17.7543% | 483 |
| Retained earnings to average equity (ytd only) | 4.3071% | 2,863 |
| Net charge-offs to loans | 0.2508% | 4,483 |
| Credit loss provision to net charge-offs | 304.4280% | 1,355 |
| Earnings coverage of net charge-offs (x) | 11.2326% | 1,871 |
| Efficiency ratio | 57.3729% | 6,812 |
| Assets per employee ($millions) | 3.9558% | 3,815 |
| Cash dividends to net income (ytd only)* | 75.7407% | 1,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6207% | 2,912 |
| Loan loss allowance to noncurrent loans | 102.2222% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 4,600 |
| Noncurrent loans to loans | 1.5854% | 4,261 |
| Net loans and leases to total assets | 67.9746% | 3,967 |
| Net loans and leases to deposits | 79.7288% | 4,435 |
| Net loans and leases to core deposits | 99.9979% | 4,374 |
| Total domestic deposits to total assets | 85.2574% | 3,094 |
| Equity capital to assets | 7.8198% | 7,015 |
| Core capital (leverage) ratio | 7.4962% | 6,977 |
| Tier 1 risk-based capital ratio | 9.7226% | 7,219 |
| Total risk-based capital ratio | 10.9753% | 7,177 |
| Memoranda: |
| Average total assets | $202,942,250 | 3,173 |
| Average earning assets | $180,941,250 | 3,225 |
| Average equity | $16,221,000 | 3,868 |
| Average total loans | $144,092,250 | 3,046 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0732% | 1,890 |
| Cost of funding earning assets | 2.0435% | 3,553 |
| Net interest margin | 4.0297% | 2,583 |
| Noninterest income to average assets | 1.1265% | 1,240 |
| Noninterest expense to average assets | 2.7204% | 5,304 |
| Loan and lease loss provision to assets | 0.4414% | 3,344 |
| Net operating income to assets | 1.5237% | 800 |
| Return on assets (ROA) | 1.5237% | 855 |
| Pretax return on assets | 1.5628% | 1,297 |
| Return on Equity (ROE) | 18.9166% | 408 |
| Retained earnings to average equity (ytd only) | 0.4857% | 5,013 |
| Net charge-offs to loans | 0.3554% | 3,406 |
| Credit loss provision to net charge-offs | 173.2283% | 2,656 |
| Earnings coverage of net charge-offs (x) | 7.8661% | 2,371 |
| Efficiency ratio | 57.5796% | 6,930 |
| Assets per employee ($millions) | 3.9911% | 3,696 |
| Cash dividends to net income (ytd only)* | 97.4325% | 753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3836% | 3,819 |
| Loan loss allowance to noncurrent loans | 101.4536% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 4,758 |
| Noncurrent loans to loans | 1.3638% | 4,489 |
| Net loans and leases to total assets | 69.5102% | 3,813 |
| Net loans and leases to deposits | 82.2550% | 4,185 |
| Net loans and leases to core deposits | 100.6650% | 4,444 |
| Total domestic deposits to total assets | 84.5057% | 3,502 |
| Equity capital to assets | 7.7139% | 7,058 |
| Core capital (leverage) ratio | 7.9178% | 6,458 |
| Tier 1 risk-based capital ratio | 9.5652% | 7,337 |
| Total risk-based capital ratio | 10.8154% | 7,291 |
| Memoranda: |
| Average total assets | $199,385,670 | 3,235 |
| Average earning assets | $178,027,670 | 3,285 |
| Average equity | $16,060,000 | 3,909 |
| Average total loans | $142,925,000 | 3,099 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0819% | 2,010 |
| Cost of funding earning assets | 2.1107% | 3,604 |
| Net interest margin | 3.9712% | 2,769 |
| Noninterest income to average assets | 1.0936% | 1,248 |
| Noninterest expense to average assets | 2.5805% | 5,529 |
| Loan and lease loss provision to assets | 0.2458% | 4,011 |
| Net operating income to assets | 1.8043% | 526 |
| Return on assets (ROA) | 1.8043% | 581 |
| Pretax return on assets | 1.8432% | 904 |
| Return on Equity (ROE) | 21.9079% | 312 |
| Retained earnings to average equity (ytd only) | -2.5613% | 6,204 |
| Net charge-offs to loans | 0.2266% | 3,284 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,777 |
| Efficiency ratio | 55.2632% | 7,072 |
| Assets per employee ($millions) | 3.7039% | 4,331 |
| Cash dividends to net income (ytd only)* | 111.6913% | 654 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3528% | 3,785 |
| Loan loss allowance to noncurrent loans | 56.9263% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8869% | 3,080 |
| Noncurrent loans to loans | 2.3763% | 2,769 |
| Net loans and leases to total assets | 69.7634% | 3,729 |
| Net loans and leases to deposits | 82.0526% | 4,274 |
| Net loans and leases to core deposits | 99.4171% | 4,596 |
| Total domestic deposits to total assets | 85.0228% | 3,189 |
| Equity capital to assets | 8.1613% | 6,586 |
| Core capital (leverage) ratio | 7.8470% | 6,697 |
| Tier 1 risk-based capital ratio | 9.8084% | 7,136 |
| Total risk-based capital ratio | 11.0198% | 7,085 |
| Memoranda: |
| Average total assets | $195,311,000 | 3,294 |
| Average earning assets | $175,866,500 | 3,342 |
| Average equity | $16,085,500 | 3,931 |
| Average total loans | $141,246,500 | 3,150 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7495% | 1,866 |
| Cost of funding earning assets | 2.5539% | 3,935 |
| Net interest margin | 4.1956% | 2,331 |
| Noninterest income to average assets | 1.1652% | 1,139 |
| Noninterest expense to average assets | 2.7880% | 4,872 |
| Loan and lease loss provision to assets | 0.2245% | 4,643 |
| Net operating income to assets | 1.9413% | 400 |
| Return on assets (ROA) | 1.9413% | 386 |
| Pretax return on assets | 1.9761% | 648 |
| Return on Equity (ROE) | 22.9299% | 217 |
| Retained earnings to average equity (ytd only) | -0.5998% | 5,470 |
| Net charge-offs to loans | 0.2093% | 4,114 |
| Credit loss provision to net charge-offs | 151.6245% | 3,456 |
| Earnings coverage of net charge-offs (x) | 14.8628% | 1,994 |
| Efficiency ratio | 55.8877% | 7,028 |
| Assets per employee ($millions) | 3.6664% | 4,249 |
| Cash dividends to net income (ytd only)* | 102.6156% | 919 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2794% | 3,933 |
| Loan loss allowance to noncurrent loans | 113.9492% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 4,734 |
| Noncurrent loans to loans | 1.1227% | 4,303 |
| Net loans and leases to total assets | 72.9880% | 3,359 |
| Net loans and leases to deposits | 95.1189% | 2,595 |
| Net loans and leases to core deposits | 113.9062% | 3,353 |
| Total domestic deposits to total assets | 76.7334% | 6,060 |
| Equity capital to assets | 8.3112% | 6,408 |
| Core capital (leverage) ratio | 8.0157% | 6,463 |
| Tier 1 risk-based capital ratio | 9.7562% | 7,009 |
| Total risk-based capital ratio | 10.9276% | 7,009 |
| Memoranda: |
| Average total assets | $187,090,200 | 3,309 |
| Average earning assets | $170,486,200 | 3,327 |
| Average equity | $15,839,600 | 3,965 |
| Average total loans | $132,352,400 | 3,232 |
