| 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 | 3.8146% | 4,163 |
| Cost of funding earning assets | 1.6043% | 1,678 |
| Net interest margin | 2.2104% | 4,309 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.7499% | 4,065 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5101% | 3,650 |
| Return on assets (ROA) | 0.5175% | 3,624 |
| Pretax return on assets | 0.6152% | 3,608 |
| Return on Equity (ROE) | 7.6000% | 3,127 |
| Retained earnings to average equity (ytd only) | 3.4861% | 3,127 |
| Net charge-offs to loans | 0.0074% | 2,400 |
| Credit loss provision to net charge-offs | 1,554.5455% | 283 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 652 |
| Efficiency ratio | 70.1119% | 1,863 |
| Assets per employee ($millions) | 9.5421% | 819 |
| Cash dividends to net income (ytd only)* | 54.1272% | 1,443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1550% | 2,528 |
| Loan loss allowance to noncurrent loans | 3,251.7241% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,608 |
| Noncurrent loans to loans | 0.0355% | 3,479 |
| Net loans and leases to total assets | 54.5700% | 3,305 |
| Net loans and leases to deposits | 66.7983% | 3,125 |
| Net loans and leases to core deposits | 73.8848% | 3,078 |
| Total domestic deposits to total assets | 81.6900% | 3,183 |
| Equity capital to assets | 7.2690% | 3,837 |
| Core capital (leverage) ratio | 9.2312% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $285,610,400 | 2,493 |
| Average earning assets | $270,091,400 | 2,465 |
| Average equity | $19,448,600 | 2,910 |
| Average total loans | $148,266,400 | 2,689 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7117% | 4,199 |
| Cost of funding earning assets | 1.4879% | 1,643 |
| Net interest margin | 2.2238% | 4,339 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.7918% | 3,999 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.5044% | 3,757 |
| Return on assets (ROA) | 0.5115% | 3,736 |
| Pretax return on assets | 0.6072% | 3,722 |
| Return on Equity (ROE) | 7.6500% | 3,276 |
| Retained earnings to average equity (ytd only) | 5.5345% | 2,768 |
| Net charge-offs to loans | 0.0092% | 2,062 |
| Credit loss provision to net charge-offs | 280.0000% | 923 |
| Earnings coverage of net charge-offs (x) | 132.9000% | 790 |
| Efficiency ratio | 71.3618% | 1,634 |
| Assets per employee ($millions) | 8.7535% | 1,020 |
| Cash dividends to net income (ytd only)* | 27.6243% | 2,157 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1942% | 2,393 |
| Loan loss allowance to noncurrent loans | 3,059.6491% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,624 |
| Noncurrent loans to loans | 0.0390% | 3,486 |
| Net loans and leases to total assets | 51.5100% | 3,527 |
| Net loans and leases to deposits | 59.1120% | 3,552 |
| Net loans and leases to core deposits | 65.8435% | 3,436 |
| Total domestic deposits to total assets | 87.1400% | 1,846 |
| Equity capital to assets | 6.5371% | 3,821 |
| Core capital (leverage) ratio | 9.6572% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $283,061,500 | 2,505 |
| Average earning assets | $267,578,750 | 2,476 |
| Average equity | $18,935,250 | 2,943 |
| Average total loans | $144,509,500 | 2,721 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6011% | 4,248 |
| Cost of funding earning assets | 1.3940% | 1,462 |
| Net interest margin | 2.2071% | 4,419 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.7906% | 4,016 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5079% | 3,791 |
| Return on assets (ROA) | 0.5168% | 3,782 |
| Pretax return on assets | 0.6133% | 3,777 |
| Return on Equity (ROE) | 7.6700% | 3,326 |
| Retained earnings to average equity (ytd only) | 4.5342% | 3,075 |
| Net charge-offs to loans | 0.0083% | 1,898 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 146.5000% | 761 |
| Efficiency ratio | 71.1280% | 1,647 |
| Assets per employee ($millions) | 8.6149% | 1,039 |
| Cash dividends to net income (ytd only)* | 40.8719% | 1,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2410% | 2,223 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.1700% | 3,548 |
| Net loans and leases to deposits | 56.7539% | 3,600 |
| Net loans and leases to core deposits | 62.1532% | 3,536 |
| Total domestic deposits to total assets | 88.4000% | 1,461 |
| Equity capital to assets | 7.0757% | 3,755 |
| Core capital (leverage) ratio | 9.3679% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $284,045,000 | 2,508 |
| Average earning assets | $268,859,333 | 2,480 |
| Average equity | $19,143,333 | 2,932 |
| Average total loans | $144,001,333 | 2,731 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4986% | 4,269 |
| Cost of funding earning assets | 1.3034% | 1,224 |
| Net interest margin | 2.1952% | 4,500 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.7444% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5376% | 3,818 |
| Return on assets (ROA) | 0.5468% | 3,759 |
| Pretax return on assets | 0.6606% | 3,738 |
| Return on Equity (ROE) | 8.3100% | 3,220 |
| Retained earnings to average equity (ytd only) | 1.9829% | 3,706 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.6232% | 1,789 |
| Assets per employee ($millions) | 9.3448% | 829 |
| Cash dividends to net income (ytd only)* | 76.1421% | 692 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2301% | 2,391 |
| Loan loss allowance to noncurrent loans | 172,600.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,950 |
| Noncurrent loans to loans | 0.0007% | 3,879 |
| Net loans and leases to total assets | 47.8400% | 3,647 |
| Net loans and leases to deposits | 52.9905% | 3,736 |
| Net loans and leases to core deposits | 59.9400% | 3,543 |
| Total domestic deposits to total assets | 90.2800% | 1,054 |
| Equity capital to assets | 6.7638% | 3,933 |
| Core capital (leverage) ratio | 9.1299% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $288,229,000 | 2,524 |
| Average earning assets | $273,136,000 | 2,488 |
| Average equity | $18,962,000 | 2,983 |
| Average total loans | $145,977,000 | 2,739 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9633% | 4,175 |
| Cost of funding earning assets | 0.4257% | 1,897 |
| Net interest margin | 2.5376% | 4,244 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.7085% | 4,161 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8097% | 3,294 |
| Return on assets (ROA) | 0.8056% | 3,234 |
| Pretax return on assets | 1.0354% | 2,962 |
| Return on Equity (ROE) | 11.2000% | 2,406 |
| Retained earnings to average equity (ytd only) | 7.1537% | 2,175 |
| Net charge-offs to loans | 0.0121% | 1,937 |
| Credit loss provision to net charge-offs | 182.3529% | 1,178 |
| Earnings coverage of net charge-offs (x) | 168.0588% | 734 |
| Efficiency ratio | 58.8902% | 3,207 |
| Assets per employee ($millions) | 8.6900% | 1,019 |
| Cash dividends to net income (ytd only)* | 36.1060% | 2,115 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0433% | 3,147 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.3300% | 3,336 |
| Net loans and leases to deposits | 57.8796% | 3,471 |
| Net loans and leases to core deposits | 64.4941% | 3,237 |
| Total domestic deposits to total assets | 90.4000% | 1,200 |
| Equity capital to assets | 6.3919% | 3,944 |
| Core capital (leverage) ratio | 9.4093% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $271,588,200 | 2,597 |
| Average earning assets | $257,920,800 | 2,563 |
| Average equity | $19,542,200 | 2,994 |
| Average total loans | $140,408,200 | 2,722 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8484% | 4,129 |
| Cost of funding earning assets | 0.2974% | 2,200 |
| Net interest margin | 2.5510% | 4,165 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.6719% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8554% | 3,045 |
| Return on assets (ROA) | 0.8499% | 3,042 |
| Pretax return on assets | 1.1018% | 2,716 |
| Return on Equity (ROE) | 11.4700% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.4529% | 1,496 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0483% | 3,512 |
| Assets per employee ($millions) | 8.4355% | 1,104 |
| Cash dividends to net income (ytd only)* | 17.5747% | 2,571 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1626% | 2,727 |
| Loan loss allowance to noncurrent loans | 1,289.3443% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,452 |
| Noncurrent loans to loans | 0.0902% | 3,233 |
| Net loans and leases to total assets | 49.5400% | 3,495 |
| Net loans and leases to deposits | 54.3086% | 3,585 |
| Net loans and leases to core deposits | 55.0497% | 3,684 |
| Total domestic deposits to total assets | 91.2200% | 1,151 |
| Equity capital to assets | 5.9106% | 3,997 |
| Core capital (leverage) ratio | 9.7070% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $267,792,750 | 2,638 |
| Average earning assets | $254,635,250 | 2,605 |
| Average equity | $19,845,250 | 3,013 |
| Average total loans | $137,601,250 | 2,757 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7303% | 4,098 |
| Cost of funding earning assets | 0.2474% | 2,304 |
| Net interest margin | 2.4829% | 4,111 |
| Noninterest income to average assets | 0.3572% | 3,008 |
| Noninterest expense to average assets | 1.7246% | 4,100 |
| Loan and lease loss provision to assets | 0.0037% | 2,541 |
| Net operating income to assets | 0.7714% | 3,056 |
| Return on assets (ROA) | 0.7631% | 3,059 |
| Pretax return on assets | 0.9855% | 2,782 |
| Return on Equity (ROE) | 9.6396% | 2,477 |
| Retained earnings to average equity (ytd only) | 6.8016% | 2,051 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1979% | 3,271 |
| Assets per employee ($millions) | 8.8217% | 945 |
| Cash dividends to net income (ytd only)* | 29.4406% | 2,123 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1610% | 2,885 |
| Loan loss allowance to noncurrent loans | 488.5093% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 2,856 |
| Noncurrent loans to loans | 0.2377% | 2,527 |
| Net loans and leases to total assets | 50.6000% | 3,313 |
| Net loans and leases to deposits | 57.7271% | 3,249 |
| Net loans and leases to core deposits | 58.2844% | 3,406 |
| Total domestic deposits to total assets | 87.6539% | 2,710 |
| Equity capital to assets | 6.9412% | 3,801 |
| Core capital (leverage) ratio | 9.6047% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $267,078,000 | 2,671 |
| Average earning assets | $254,624,333 | 2,639 |
| Average equity | $21,142,000 | 2,961 |
| Average total loans | $138,367,667 | 2,760 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6329% | 4,062 |
| Cost of funding earning assets | 0.2447% | 2,219 |
| Net interest margin | 2.3881% | 4,097 |
| Noninterest income to average assets | 0.3548% | 2,969 |
| Noninterest expense to average assets | 1.7399% | 4,072 |
| Loan and lease loss provision to assets | -0.0194% | 4,447 |
| Net operating income to assets | 0.7129% | 3,008 |
| Return on assets (ROA) | 0.7082% | 3,015 |
| Pretax return on assets | 0.9124% | 2,727 |
| Return on Equity (ROE) | 8.4339% | 2,542 |
| Retained earnings to average equity (ytd only) | 3.1072% | 3,225 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7684% | 3,171 |
| Assets per employee ($millions) | 9.6734% | 738 |
| Cash dividends to net income (ytd only)* | 63.1579% | 983 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1077% | 3,298 |
| Loan loss allowance to noncurrent loans | 409.2105% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 2,810 |
| Noncurrent loans to loans | 0.2707% | 2,499 |
| Net loans and leases to total assets | 51.2540% | 3,043 |
| Net loans and leases to deposits | 61.0478% | 2,803 |
| Net loans and leases to core deposits | 61.7679% | 2,992 |
| Total domestic deposits to total assets | 83.9571% | 3,778 |
| Equity capital to assets | 7.5384% | 3,907 |
| Core capital (leverage) ratio | 9.4957% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $268,292,000 | 2,671 |
| Average earning assets | $256,603,000 | 2,638 |
| Average equity | $22,528,000 | 2,937 |
| Average total loans | $139,808,500 | 2,752 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0453% | 3,792 |
| Cost of funding earning assets | 0.3171% | 2,226 |
| Net interest margin | 2.7282% | 3,821 |
| Noninterest income to average assets | 0.3929% | 3,089 |
| Noninterest expense to average assets | 1.8143% | 4,118 |
| Loan and lease loss provision to assets | 0.0175% | 2,722 |
| Net operating income to assets | 0.9018% | 3,039 |
| Return on assets (ROA) | 0.9103% | 3,067 |
| Pretax return on assets | 1.1917% | 2,691 |
| Return on Equity (ROE) | 9.3979% | 2,757 |
| Retained earnings to average equity (ytd only) | 6.3160% | 2,220 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2467% | 3,551 |
| Assets per employee ($millions) | 8.3040% | 1,170 |
| Cash dividends to net income (ytd only)* | 32.7941% | 2,395 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1261% | 3,246 |
| Loan loss allowance to noncurrent loans | 409.3995% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 2,933 |
| Noncurrent loans to loans | 0.2751% | 2,619 |
| Net loans and leases to total assets | 51.8084% | 3,089 |
| Net loans and leases to deposits | 65.6256% | 2,544 |
| Net loans and leases to core deposits | 66.6576% | 2,763 |
| Total domestic deposits to total assets | 78.9455% | 4,326 |
| Equity capital to assets | 9.2719% | 3,348 |
| Core capital (leverage) ratio | 9.4707% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $251,228,600 | 2,717 |
| Average earning assets | $241,259,800 | 2,672 |
| Average equity | $24,335,200 | 2,896 |
| Average total loans | $134,525,600 | 2,789 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0843% | 3,847 |
| Cost of funding earning assets | 0.3319% | 2,277 |
| Net interest margin | 2.7524% | 3,879 |
| Noninterest income to average assets | 0.3807% | 3,207 |
| Noninterest expense to average assets | 1.8066% | 4,154 |
| Loan and lease loss provision to assets | -0.0077% | 4,311 |
| Net operating income to assets | 0.9333% | 3,137 |
| Return on assets (ROA) | 0.9418% | 3,195 |
| Pretax return on assets | 1.2364% | 2,816 |
| Return on Equity (ROE) | 9.6125% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.9637% | 2,065 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7207% | 3,450 |
| Assets per employee ($millions) | 8.3572% | 1,111 |
| Cash dividends to net income (ytd only)* | 17.1527% | 2,659 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1614% | 3,159 |
| Loan loss allowance to noncurrent loans | 294.3470% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 2,804 |
| Noncurrent loans to loans | 0.3946% | 2,382 |
| Net loans and leases to total assets | 49.6020% | 3,456 |
| Net loans and leases to deposits | 61.9206% | 3,051 |
| Net loans and leases to core deposits | 62.5785% | 3,261 |
| Total domestic deposits to total assets | 80.1059% | 4,213 |
| Equity capital to assets | 9.6514% | 3,249 |
| Core capital (leverage) ratio | 9.9680% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $247,603,500 | 2,765 |
| Average earning assets | $237,844,750 | 2,713 |
| Average equity | $24,259,500 | 2,924 |
| Average total loans | $133,347,500 | 2,843 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0888% | 3,892 |
| Cost of funding earning assets | 0.3486% | 2,328 |
| Net interest margin | 2.7402% | 3,902 |
| Noninterest income to average assets | 0.3774% | 3,229 |
| Noninterest expense to average assets | 1.8353% | 4,109 |
| Loan and lease loss provision to assets | -0.0189% | 4,426 |
| Net operating income to assets | 0.9086% | 3,191 |
| Return on assets (ROA) | 0.9164% | 3,251 |
| Pretax return on assets | 1.2019% | 2,909 |
| Return on Equity (ROE) | 9.3039% | 3,012 |
| Retained earnings to average equity (ytd only) | 6.8051% | 2,499 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9220% | 3,295 |
| Assets per employee ($millions) | 8.0713% | 1,176 |
| Cash dividends to net income (ytd only)* | 26.8577% | 2,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1438% | 3,225 |
| Loan loss allowance to noncurrent loans | 670.0893% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,606 |
| Noncurrent loans to loans | 0.1707% | 3,361 |
| Net loans and leases to total assets | 51.8467% | 3,360 |
| Net loans and leases to deposits | 64.8872% | 2,909 |
| Net loans and leases to core deposits | 65.7065% | 3,141 |
| Total domestic deposits to total assets | 79.9028% | 4,246 |
| Equity capital to assets | 9.7459% | 3,100 |
| Core capital (leverage) ratio | 9.8620% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $243,780,667 | 2,781 |
| Average earning assets | $234,069,000 | 2,731 |
| Average equity | $24,011,333 | 2,936 |
| Average total loans | $134,458,333 | 2,840 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9924% | 4,105 |
| Cost of funding earning assets | 0.3604% | 2,439 |
| Net interest margin | 2.6320% | 4,093 |
| Noninterest income to average assets | 0.3608% | 3,281 |
| Noninterest expense to average assets | 1.8656% | 4,068 |
| Loan and lease loss provision to assets | -0.0316% | 4,619 |
| Net operating income to assets | 0.8090% | 3,394 |
| Return on assets (ROA) | 0.8247% | 3,417 |
| Pretax return on assets | 1.0725% | 3,187 |
| Return on Equity (ROE) | 8.3276% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.2907% | 3,690 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3479% | 2,855 |
| Assets per employee ($millions) | 8.2400% | 1,085 |
| Cash dividends to net income (ytd only)* | 60.4839% | 877 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0871% | 3,498 |
| Loan loss allowance to noncurrent loans | 1,393.5185% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 4,064 |
| Noncurrent loans to loans | 0.0780% | 3,906 |
| Net loans and leases to total assets | 55.3930% | 3,109 |
| Net loans and leases to deposits | 69.1326% | 2,589 |
| Net loans and leases to core deposits | 70.2769% | 2,844 |
| Total domestic deposits to total assets | 80.1257% | 4,188 |
| Equity capital to assets | 9.5336% | 3,163 |
| Core capital (leverage) ratio | 9.9434% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $240,566,500 | 2,794 |
| Average earning assets | $230,848,500 | 2,741 |
| Average equity | $23,824,500 | 2,942 |
| Average total loans | $136,074,500 | 2,826 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4994% | 4,034 |
| Cost of funding earning assets | 0.5119% | 2,874 |
| Net interest margin | 2.9875% | 3,915 |
| Noninterest income to average assets | 0.4146% | 3,030 |
| Noninterest expense to average assets | 1.9984% | 4,143 |
| Loan and lease loss provision to assets | 0.1633% | 2,333 |
| Net operating income to assets | 0.8522% | 2,891 |
| Return on assets (ROA) | 0.8489% | 3,040 |
| Pretax return on assets | 1.1006% | 2,691 |
| Return on Equity (ROE) | 7.9487% | 2,840 |
| Retained earnings to average equity (ytd only) | 4.2867% | 2,659 |
| Net charge-offs to loans | 0.0133% | 2,865 |
| Credit loss provision to net charge-offs | 2,088.2353% | 427 |
| Earnings coverage of net charge-offs (x) | 162.1176% | 538 |
| Efficiency ratio | 58.0082% | 3,723 |
| Assets per employee ($millions) | 7.5463% | 1,250 |
| Cash dividends to net income (ytd only)* | 46.0705% | 2,047 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1398% | 3,253 |
| Loan loss allowance to noncurrent loans | 1,360.7143% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,098 |
| Noncurrent loans to loans | 0.0838% | 3,958 |
| Net loans and leases to total assets | 56.5070% | 3,251 |
| Net loans and leases to deposits | 71.3190% | 2,756 |
| Net loans and leases to core deposits | 73.4984% | 2,954 |
| Total domestic deposits to total assets | 79.2313% | 4,175 |
| Equity capital to assets | 10.2944% | 2,845 |
| Core capital (leverage) ratio | 10.1365% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $217,327,800 | 2,816 |
| Average earning assets | $207,463,200 | 2,765 |
| Average equity | $23,211,200 | 2,922 |
| Average total loans | $128,160,600 | 2,887 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5855% | 4,048 |
| Cost of funding earning assets | 0.5203% | 3,112 |
| Net interest margin | 3.0652% | 3,824 |
| Noninterest income to average assets | 0.4128% | 3,016 |
| Noninterest expense to average assets | 2.0465% | 4,057 |
| Loan and lease loss provision to assets | 0.1768% | 2,218 |
| Net operating income to assets | 0.8525% | 2,900 |
| Return on assets (ROA) | 0.8456% | 3,049 |
| Pretax return on assets | 1.1027% | 2,740 |
| Return on Equity (ROE) | 7.8397% | 2,867 |
| Retained earnings to average equity (ytd only) | 6.3901% | 1,928 |
| Net charge-offs to loans | 0.0221% | 2,409 |
| Credit loss provision to net charge-offs | 1,347.6190% | 674 |
| Earnings coverage of net charge-offs (x) | 98.0952% | 798 |
| Efficiency ratio | 58.1958% | 3,639 |
| Assets per employee ($millions) | 7.6167% | 1,156 |
| Cash dividends to net income (ytd only)* | 18.4911% | 2,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0798% | 3,309 |
| Loan loss allowance to noncurrent loans | 1,328.4404% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,201 |
| Noncurrent loans to loans | 0.0813% | 4,043 |
| Net loans and leases to total assets | 58.0547% | 3,410 |
| Net loans and leases to deposits | 75.0795% | 2,840 |
| Net loans and leases to core deposits | 77.5942% | 3,048 |
| Total domestic deposits to total assets | 77.3243% | 4,285 |
| Equity capital to assets | 10.4862% | 2,801 |
| Core capital (leverage) ratio | 10.6913% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $213,176,250 | 2,825 |
| Average earning assets | $203,220,750 | 2,781 |
| Average equity | $22,993,500 | 2,937 |
| Average total loans | $126,772,500 | 2,908 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7789% | 3,918 |
| Cost of funding earning assets | 0.5522% | 3,226 |
| Net interest margin | 3.2266% | 3,589 |
| Noninterest income to average assets | 0.4076% | 3,030 |
| Noninterest expense to average assets | 2.1205% | 3,983 |
| Loan and lease loss provision to assets | 0.2095% | 1,966 |
| Net operating income to assets | 0.8842% | 2,757 |
| Return on assets (ROA) | 0.8728% | 2,917 |
| Pretax return on assets | 1.1352% | 2,597 |
| Return on Equity (ROE) | 8.0102% | 2,746 |
| Retained earnings to average equity (ytd only) | 5.8048% | 2,154 |
| Net charge-offs to loans | 0.0338% | 2,059 |
| Credit loss provision to net charge-offs | 1,038.0952% | 771 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 901 |
| Efficiency ratio | 57.8453% | 3,710 |
| Assets per employee ($millions) | 6.6689% | 1,662 |
| Cash dividends to net income (ytd only)* | 27.5330% | 2,457 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0426% | 3,356 |
| Loan loss allowance to noncurrent loans | 1,192.2414% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,270 |
| Noncurrent loans to loans | 0.0874% | 4,108 |
| Net loans and leases to total assets | 59.6483% | 3,364 |
| Net loans and leases to deposits | 77.3042% | 2,727 |
| Net loans and leases to core deposits | 79.9931% | 2,945 |
| Total domestic deposits to total assets | 77.1605% | 4,301 |
| Equity capital to assets | 10.6832% | 2,589 |
| Core capital (leverage) ratio | 10.9834% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $208,068,333 | 2,841 |
| Average earning assets | $198,101,667 | 2,795 |
| Average equity | $22,671,000 | 2,951 |
| Average total loans | $124,329,000 | 2,925 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6800% | 4,429 |
| Cost of funding earning assets | 0.6269% | 3,294 |
| Net interest margin | 3.0531% | 4,197 |
| Noninterest income to average assets | 0.4216% | 2,960 |
| Noninterest expense to average assets | 2.1063% | 4,207 |
| Loan and lease loss provision to assets | 0.0040% | 3,691 |
| Net operating income to assets | 0.9348% | 2,399 |
| Return on assets (ROA) | 0.9066% | 2,609 |
| Pretax return on assets | 1.1778% | 2,278 |
| Return on Equity (ROE) | 8.2333% | 2,415 |
| Retained earnings to average equity (ytd only) | 3.7392% | 2,787 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0357% | 3,734 |
| Assets per employee ($millions) | 6.1242% | 1,580 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0022% | 3,695 |
| Loan loss allowance to noncurrent loans | 842.5532% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,253 |
| Noncurrent loans to loans | 0.1190% | 4,046 |
| Net loans and leases to total assets | 58.0636% | 3,667 |
| Net loans and leases to deposits | 73.2337% | 3,340 |
| Net loans and leases to core deposits | 76.6236% | 3,458 |
| Total domestic deposits to total assets | 79.2854% | 3,999 |
| Equity capital to assets | 11.0075% | 2,846 |
| Core capital (leverage) ratio | 11.2607% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $202,065,000 | 2,848 |
| Average earning assets | $192,065,000 | 2,812 |
| Average equity | $22,251,000 | 2,978 |
| Average total loans | $120,166,500 | 2,953 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7763% | 4,595 |
| Cost of funding earning assets | 0.6126% | 3,587 |
| Net interest margin | 3.1637% | 4,260 |
| Noninterest income to average assets | 0.5128% | 2,662 |
| Noninterest expense to average assets | 2.2752% | 4,011 |
| Loan and lease loss provision to assets | 0.0443% | 3,123 |
| Net operating income to assets | 0.9308% | 3,090 |
| Return on assets (ROA) | 0.9157% | 3,222 |
| Pretax return on assets | 1.1760% | 2,928 |
| Return on Equity (ROE) | 8.2314% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.5257% | 2,693 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4370% | 3,468 |
| Assets per employee ($millions) | 6.1222% | 1,541 |
| Cash dividends to net income (ytd only)* | 45.0197% | 2,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9737% | 3,631 |
| Loan loss allowance to noncurrent loans | 1,031.3043% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,342 |
| Noncurrent loans to loans | 0.0944% | 4,147 |
| Net loans and leases to total assets | 59.7002% | 3,614 |
| Net loans and leases to deposits | 74.2961% | 3,323 |
| Net loans and leases to core deposits | 77.4740% | 3,482 |
| Total domestic deposits to total assets | 80.3545% | 3,903 |
| Equity capital to assets | 11.0161% | 2,979 |
| Core capital (leverage) ratio | 11.0436% | 2,465 |
| Tier 1 risk-based capital ratio | 17.2878% | 1,970 |
| Total risk-based capital ratio | 18.2617% | 1,991 |
| Memoranda: |
| Average total assets | $194,049,800 | 2,885 |
| Average earning assets | $184,121,400 | 2,846 |
| Average equity | $21,588,000 | 2,997 |
| Average total loans | $116,767,800 | 2,981 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7696% | 4,705 |
| Cost of funding earning assets | 0.5852% | 3,757 |
| Net interest margin | 3.1844% | 4,334 |
| Noninterest income to average assets | 0.4894% | 2,798 |
| Noninterest expense to average assets | 2.2722% | 4,024 |
| Loan and lease loss provision to assets | 0.0521% | 2,865 |
| Net operating income to assets | 0.9249% | 3,255 |
| Return on assets (ROA) | 0.9046% | 3,403 |
| Pretax return on assets | 1.1580% | 3,108 |
| Return on Equity (ROE) | 8.1102% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.2429% | 2,253 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4289% | 3,415 |
| Assets per employee ($millions) | 5.9664% | 1,627 |
| Cash dividends to net income (ytd only)* | 23.0238% | 2,914 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9917% | 3,612 |
| Loan loss allowance to noncurrent loans | 995.7627% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,414 |
| Noncurrent loans to loans | 0.0996% | 4,199 |
| Net loans and leases to total assets | 59.5799% | 3,714 |
| Net loans and leases to deposits | 74.8243% | 3,401 |
| Net loans and leases to core deposits | 77.6710% | 3,579 |
| Total domestic deposits to total assets | 79.6264% | 4,067 |
| Equity capital to assets | 11.4779% | 2,672 |
| Core capital (leverage) ratio | 11.5080% | 2,211 |
| Tier 1 risk-based capital ratio | 17.7922% | 1,883 |
| Total risk-based capital ratio | 18.7950% | 1,899 |
| Memoranda: |
| Average total assets | $192,054,500 | 2,929 |
| Average earning assets | $182,049,500 | 2,884 |
| Average equity | $21,421,000 | 3,031 |
| Average total loans | $115,510,000 | 3,033 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7319% | 4,795 |
| Cost of funding earning assets | 0.5479% | 3,885 |
| Net interest margin | 3.1840% | 4,392 |
| Noninterest income to average assets | 0.4705% | 2,836 |
| Noninterest expense to average assets | 2.2894% | 4,033 |
| Loan and lease loss provision to assets | 0.0641% | 2,533 |
| Net operating income to assets | 0.8899% | 3,324 |
| Return on assets (ROA) | 0.8559% | 3,507 |
| Pretax return on assets | 1.0890% | 3,268 |
| Return on Equity (ROE) | 7.7514% | 3,403 |
| Retained earnings to average equity (ytd only) | 4.8982% | 2,821 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2778% | 3,387 |
| Assets per employee ($millions) | 5.8225% | 1,672 |
| Cash dividends to net income (ytd only)* | 36.8098% | 2,342 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9736% | 3,765 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,450 |
| Noncurrent loans to loans | 0.0974% | 4,240 |
| Net loans and leases to total assets | 61.4028% | 3,611 |
| Net loans and leases to deposits | 77.1247% | 3,235 |
| Net loans and leases to core deposits | 78.5131% | 3,538 |
| Total domestic deposits to total assets | 79.6150% | 4,114 |
| Equity capital to assets | 11.4260% | 2,680 |
| Core capital (leverage) ratio | 11.5088% | 2,158 |
| Tier 1 risk-based capital ratio | 17.2302% | 2,020 |
| Total risk-based capital ratio | 18.2137% | 2,039 |
| Memoranda: |
| Average total assets | $190,442,000 | 2,956 |
| Average earning assets | $180,339,000 | 2,914 |
| Average equity | $21,028,330 | 3,057 |
| Average total loans | $114,519,000 | 3,063 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6679% | 4,889 |
| Cost of funding earning assets | 0.5240% | 3,951 |
| Net interest margin | 3.1439% | 4,509 |
| Noninterest income to average assets | 0.4536% | 2,836 |
| Noninterest expense to average assets | 2.2954% | 4,031 |
| Loan and lease loss provision to assets | 0.0527% | 2,607 |
| Net operating income to assets | 0.8578% | 3,413 |
| Return on assets (ROA) | 0.7912% | 3,701 |
| Pretax return on assets | 0.9958% | 3,447 |
| Return on Equity (ROE) | 7.2938% | 3,553 |
| Retained earnings to average equity (ytd only) | 1.4588% | 4,211 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5077% | 3,314 |
| Assets per employee ($millions) | 5.7752% | 1,724 |
| Cash dividends to net income (ytd only)* | 80.0000% | 934 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9916% | 3,764 |
| Loan loss allowance to noncurrent loans | 169.5324% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 3,213 |
| Noncurrent loans to loans | 0.5849% | 2,583 |
| Net loans and leases to total assets | 58.8897% | 3,797 |
| Net loans and leases to deposits | 74.6323% | 3,391 |
| Net loans and leases to core deposits | 75.4080% | 3,699 |
| Total domestic deposits to total assets | 78.9065% | 4,369 |
| Equity capital to assets | 11.0227% | 2,831 |
| Core capital (leverage) ratio | 11.3533% | 2,240 |
| Tier 1 risk-based capital ratio | 17.3699% | 1,989 |
| Total risk-based capital ratio | 18.3600% | 2,021 |
| Memoranda: |
| Average total assets | $189,592,500 | 2,998 |
| Average earning assets | $179,396,000 | 2,955 |
| Average equity | $20,565,500 | 3,110 |
| Average total loans | $112,208,500 | 3,131 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4625% | 4,955 |
| Cost of funding earning assets | 0.3920% | 4,035 |
| Net interest margin | 3.0705% | 4,693 |
| Noninterest income to average assets | 0.5496% | 2,546 |
| Noninterest expense to average assets | 2.1993% | 4,339 |
| Loan and lease loss provision to assets | 0.0428% | 3,332 |
| Net operating income to assets | 0.9440% | 3,269 |
| Return on assets (ROA) | 0.9036% | 3,418 |
| Pretax return on assets | 1.1560% | 3,078 |
| Return on Equity (ROE) | 8.8324% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.7358% | 3,520 |
| Net charge-offs to loans | 0.0009% | 3,745 |
| Credit loss provision to net charge-offs | 8,200.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 2,397.0000% | 38 |
| Efficiency ratio | 60.3628% | 3,795 |
| Assets per employee ($millions) | 5.8939% | 1,597 |
| Cash dividends to net income (ytd only)* | 57.7034% | 1,604 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9895% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.3028% | 3,932 |
| Net loans and leases to deposits | 73.8893% | 3,512 |
| Net loans and leases to core deposits | 74.4133% | 3,822 |
| Total domestic deposits to total assets | 78.9056% | 4,330 |
| Equity capital to assets | 10.6699% | 3,016 |
| Core capital (leverage) ratio | 11.2855% | 2,274 |
| Tier 1 risk-based capital ratio | 17.4549% | 1,910 |
| Total risk-based capital ratio | 18.4313% | 1,948 |
| Memoranda: |
| Average total assets | $191,787,400 | 2,946 |
| Average earning assets | $181,112,600 | 2,907 |
| Average equity | $19,621,000 | 3,121 |
| Average total loans | $108,049,000 | 3,168 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4008% | 5,034 |
| Cost of funding earning assets | 0.3644% | 4,087 |
| Net interest margin | 3.0364% | 4,798 |
| Noninterest income to average assets | 0.5642% | 2,499 |
| Noninterest expense to average assets | 2.2251% | 4,267 |
| Loan and lease loss provision to assets | 0.0305% | 3,409 |
| Net operating income to assets | 0.9173% | 3,449 |
| Return on assets (ROA) | 0.9173% | 3,456 |
| Pretax return on assets | 1.1756% | 3,093 |
| Return on Equity (ROE) | 9.0618% | 3,051 |
| Retained earnings to average equity (ytd only) | 6.3262% | 2,474 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4407% | 3,593 |
| Assets per employee ($millions) | 5.9053% | 1,571 |
| Cash dividends to net income (ytd only)* | 30.1887% | 2,538 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9684% | 3,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.4713% | 4,092 |
| Net loans and leases to deposits | 74.7575% | 3,526 |
| Net loans and leases to core deposits | 75.3018% | 3,855 |
| Total domestic deposits to total assets | 76.8769% | 4,661 |
| Equity capital to assets | 10.4995% | 3,143 |
| Core capital (leverage) ratio | 11.2682% | 2,358 |
| Tier 1 risk-based capital ratio | 17.5725% | 1,904 |
| Total risk-based capital ratio | 18.5195% | 1,952 |
| Memoranda: |
| Average total assets | $192,583,000 | 2,963 |
| Average earning assets | $181,836,000 | 2,925 |
| Average equity | $19,495,250 | 3,155 |
| Average total loans | $107,296,000 | 3,206 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3473% | 5,094 |
| Cost of funding earning assets | 0.3419% | 4,123 |
| Net interest margin | 3.0053% | 4,873 |
| Noninterest income to average assets | 0.5903% | 2,380 |
| Noninterest expense to average assets | 2.2385% | 4,281 |
| Loan and lease loss provision to assets | 0.0279% | 3,359 |
| Net operating income to assets | 0.9082% | 3,424 |
| Return on assets (ROA) | 0.9082% | 3,429 |
| Pretax return on assets | 1.1631% | 3,086 |
| Return on Equity (ROE) | 9.0815% | 2,981 |
| Retained earnings to average equity (ytd only) | 5.9856% | 2,571 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8718% | 3,638 |
| Assets per employee ($millions) | 5.7505% | 1,685 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,399 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9863% | 3,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 55.2833% | 4,218 |
| Net loans and leases to deposits | 69.4359% | 3,905 |
| Net loans and leases to core deposits | 70.0390% | 4,139 |
| Total domestic deposits to total assets | 79.6177% | 4,326 |
| Equity capital to assets | 10.3042% | 3,337 |
| Core capital (leverage) ratio | 10.8873% | 2,624 |
| Tier 1 risk-based capital ratio | 17.4673% | 1,951 |
| Total risk-based capital ratio | 18.4134% | 1,992 |
| Memoranda: |
| Average total assets | $193,787,000 | 2,962 |
| Average earning assets | $183,073,670 | 2,929 |
| Average equity | $19,380,000 | 3,184 |
| Average total loans | $106,506,000 | 3,232 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2895% | 5,153 |
| Cost of funding earning assets | 0.3242% | 4,178 |
| Net interest margin | 2.9653% | 4,924 |
| Noninterest income to average assets | 0.4617% | 3,046 |
| Noninterest expense to average assets | 2.2370% | 4,334 |
| Loan and lease loss provision to assets | 0.0286% | 3,138 |
| Net operating income to assets | 0.7927% | 3,731 |
| Return on assets (ROA) | 0.7927% | 3,737 |
| Pretax return on assets | 0.9990% | 3,535 |
| Return on Equity (ROE) | 8.0444% | 3,345 |
| Retained earnings to average equity (ytd only) | 1.8245% | 4,406 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0188% | 3,314 |
| Assets per employee ($millions) | 6.0056% | 1,509 |
| Cash dividends to net income (ytd only)* | 77.3196% | 881 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9750% | 4,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,851 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 52.8872% | 4,379 |
| Net loans and leases to deposits | 65.1725% | 4,141 |
| Net loans and leases to core deposits | 65.5184% | 4,343 |
| Total domestic deposits to total assets | 81.1495% | 4,164 |
| Equity capital to assets | 9.6253% | 3,972 |
| Core capital (leverage) ratio | 10.4565% | 3,000 |
| Tier 1 risk-based capital ratio | 17.1344% | 2,083 |
| Total risk-based capital ratio | 18.0757% | 2,118 |
| Memoranda: |
| Average total assets | $195,796,500 | 2,972 |
| Average earning assets | $185,071,500 | 2,939 |
| Average equity | $19,293,000 | 3,223 |
| Average total loans | $106,781,500 | 3,246 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1850% | 5,209 |
| Cost of funding earning assets | 0.3211% | 3,941 |
| Net interest margin | 2.8639% | 5,089 |
| Noninterest income to average assets | 0.5056% | 2,964 |
| Noninterest expense to average assets | 2.2644% | 4,415 |
| Loan and lease loss provision to assets | 0.0376% | 3,516 |
| Net operating income to assets | 0.6836% | 3,666 |
| Return on assets (ROA) | 0.6402% | 3,887 |
| Pretax return on assets | 0.8494% | 4,095 |
| Return on Equity (ROE) | 6.2582% | 3,645 |
| Retained earnings to average equity (ytd only) | 1.1578% | 4,565 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8997% | 3,098 |
| Assets per employee ($millions) | 5.8608% | 1,614 |
| Cash dividends to net income (ytd only)* | 81.4996% | 792 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9451% | 4,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 4,879 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.1676% | 4,257 |
| Net loans and leases to deposits | 68.5469% | 3,984 |
| Net loans and leases to core deposits | 68.8139% | 4,247 |
| Total domestic deposits to total assets | 80.4816% | 4,252 |
| Equity capital to assets | 10.0875% | 3,608 |
| Core capital (leverage) ratio | 10.4352% | 2,921 |
| Tier 1 risk-based capital ratio | 17.1326% | 2,046 |
| Total risk-based capital ratio | 18.0632% | 2,109 |
| Memoranda: |
| Average total assets | $191,658,600 | 3,000 |
| Average earning assets | $180,940,200 | 2,957 |
| Average equity | $19,606,200 | 3,188 |
| Average total loans | $101,352,000 | 3,329 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1574% | 5,284 |
| Cost of funding earning assets | 0.3147% | 3,990 |
| Net interest margin | 2.8427% | 5,166 |
| Noninterest income to average assets | 0.4693% | 3,219 |
| Noninterest expense to average assets | 2.3198% | 4,247 |
| Loan and lease loss provision to assets | 0.0446% | 3,207 |
| Net operating income to assets | 0.6069% | 4,363 |
| Return on assets (ROA) | 0.6080% | 4,398 |
| Pretax return on assets | 0.7893% | 4,378 |
| Return on Equity (ROE) | 5.9227% | 4,162 |
| Retained earnings to average equity (ytd only) | 1.8475% | 4,693 |
| Net charge-offs to loans | 0.0013% | 3,732 |
| Credit loss provision to net charge-offs | 6,400.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 1,196.9624% | 83 |
| Efficiency ratio | 69.8518% | 2,558 |
| Assets per employee ($millions) | 5.6204% | 1,811 |
| Cash dividends to net income (ytd only)* | 68.8072% | 1,011 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0113% | 3,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 4,971 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 51.6842% | 4,595 |
| Net loans and leases to deposits | 66.0616% | 4,249 |
| Net loans and leases to core deposits | 66.3291% | 4,461 |
| Total domestic deposits to total assets | 78.2365% | 4,687 |
| Equity capital to assets | 10.5764% | 3,283 |
| Core capital (leverage) ratio | 10.5924% | 2,889 |
| Tier 1 risk-based capital ratio | 17.7719% | 1,918 |
| Total risk-based capital ratio | 18.7460% | 1,956 |
| Memoranda: |
| Average total assets | $191,221,500 | 3,035 |
| Average earning assets | $180,481,750 | 2,985 |
| Average equity | $19,630,250 | 3,206 |
| Average total loans | $99,761,000 | 3,383 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1339% | 5,319 |
| Cost of funding earning assets | 0.3026% | 4,054 |
| Net interest margin | 2.8312% | 5,199 |
| Noninterest income to average assets | 0.4559% | 3,313 |
| Noninterest expense to average assets | 2.3329% | 4,257 |
| Loan and lease loss provision to assets | 0.0659% | 2,655 |
| Net operating income to assets | 0.5683% | 4,436 |
| Return on assets (ROA) | 0.5699% | 4,485 |
| Pretax return on assets | 0.7299% | 4,475 |
| Return on Equity (ROE) | 5.6080% | 4,221 |
| Retained earnings to average equity (ytd only) | -0.5659% | 5,167 |
| Net charge-offs to loans | 0.0120% | 3,035 |
| Credit loss provision to net charge-offs | 1,050.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 557 |
| Efficiency ratio | 70.8361% | 2,533 |
| Assets per employee ($millions) | 5.4362% | 1,934 |
| Cash dividends to net income (ytd only)* | 110.0917% | 374 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9915% | 4,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 5,016 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.6421% | 4,511 |
| Net loans and leases to deposits | 67.1847% | 4,130 |
| Net loans and leases to core deposits | 67.4567% | 4,383 |
| Total domestic deposits to total assets | 78.3542% | 4,756 |
| Equity capital to assets | 10.4421% | 3,412 |
| Core capital (leverage) ratio | 10.4231% | 3,002 |
| Tier 1 risk-based capital ratio | 17.2743% | 2,069 |
| Total risk-based capital ratio | 18.2167% | 2,119 |
| Memoranda: |
| Average total assets | $191,263,670 | 3,046 |
| Average earning assets | $180,416,000 | 2,995 |
| Average equity | $19,436,670 | 3,229 |
| Average total loans | $99,756,330 | 3,403 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0748% | 5,392 |
| Cost of funding earning assets | 0.2813% | 4,242 |
| Net interest margin | 2.7934% | 5,255 |
| Noninterest income to average assets | 0.4798% | 3,118 |
| Noninterest expense to average assets | 2.3300% | 4,320 |
| Loan and lease loss provision to assets | 0.0647% | 2,507 |
| Net operating income to assets | 0.5599% | 4,329 |
| Return on assets (ROA) | 0.5632% | 4,362 |
| Pretax return on assets | 0.7196% | 4,387 |
| Return on Equity (ROE) | 5.6189% | 4,076 |
| Retained earnings to average equity (ytd only) | -2.7054% | 5,236 |
| Net charge-offs to loans | -0.0040% | 4,124 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1603% | 2,708 |
| Assets per employee ($millions) | 5.2755% | 2,105 |
| Cash dividends to net income (ytd only)* | 148.1481% | 396 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9668% | 4,460 |
| Loan loss allowance to noncurrent loans | 3,912.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,300 |
| Noncurrent loans to loans | 0.0247% | 5,123 |
| Net loans and leases to total assets | 52.7475% | 4,449 |
| Net loans and leases to deposits | 65.9502% | 4,176 |
| Net loans and leases to core deposits | 66.2117% | 4,416 |
| Total domestic deposits to total assets | 79.9808% | 4,622 |
| Equity capital to assets | 10.2286% | 3,484 |
| Core capital (leverage) ratio | 10.2849% | 3,135 |
| Tier 1 risk-based capital ratio | 17.0764% | 2,163 |
| Total risk-based capital ratio | 17.9939% | 2,235 |
| Memoranda: |
| Average total assets | $191,761,500 | 3,077 |
| Average earning assets | $180,567,500 | 3,026 |
| Average equity | $19,221,000 | 3,263 |
| Average total loans | $99,052,500 | 3,436 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1362% | 5,368 |
| Cost of funding earning assets | 0.2772% | 4,282 |
| Net interest margin | 2.8590% | 5,199 |
| Noninterest income to average assets | 0.5031% | 3,218 |
| Noninterest expense to average assets | 2.5163% | 3,960 |
| Loan and lease loss provision to assets | 0.0069% | 4,223 |
| Net operating income to assets | 0.5295% | 4,513 |
| Return on assets (ROA) | 0.5295% | 4,604 |
| Pretax return on assets | 0.6756% | 4,567 |
| Return on Equity (ROE) | 4.6195% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.3698% | 4,727 |
| Net charge-offs to loans | -0.0065% | 4,854 |
| Credit loss provision to net charge-offs | -200.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5675% | 1,908 |
| Assets per employee ($millions) | 5.3779% | 1,976 |
| Cash dividends to net income (ytd only)* | 70.3463% | 1,299 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9758% | 4,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.5876% | 4,793 |
| Net loans and leases to deposits | 62.8224% | 4,484 |
| Net loans and leases to core deposits | 63.3447% | 4,672 |
| Total domestic deposits to total assets | 78.9329% | 4,811 |
| Equity capital to assets | 9.8221% | 3,915 |
| Core capital (leverage) ratio | 10.4024% | 2,986 |
| Tier 1 risk-based capital ratio | 17.3162% | 2,056 |
| Total risk-based capital ratio | 18.2103% | 2,123 |
| Memoranda: |
| Average total assets | $174,501,800 | 3,225 |
| Average earning assets | $164,531,800 | 3,177 |
| Average equity | $20,002,200 | 3,170 |
| Average total loans | $91,614,000 | 3,547 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1400% | 5,435 |
| Cost of funding earning assets | 0.2730% | 4,355 |
| Net interest margin | 2.8669% | 5,237 |
| Noninterest income to average assets | 0.4933% | 3,301 |
| Noninterest expense to average assets | 2.5350% | 3,881 |
| Loan and lease loss provision to assets | -0.0047% | 5,635 |
| Net operating income to assets | 0.5248% | 4,594 |
| Return on assets (ROA) | 0.5248% | 4,700 |
| Pretax return on assets | 0.6685% | 4,692 |
| Return on Equity (ROE) | 4.3985% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.0816% | 4,067 |
| Net charge-offs to loans | -0.0059% | 4,651 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7750% | 1,718 |
| Assets per employee ($millions) | 5.0350% | 2,330 |
| Cash dividends to net income (ytd only)* | 29.9403% | 2,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9764% | 4,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 49.0856% | 4,889 |
| Net loans and leases to deposits | 61.6854% | 4,651 |
| Net loans and leases to core deposits | 62.1997% | 4,814 |
| Total domestic deposits to total assets | 79.5741% | 4,595 |
| Equity capital to assets | 10.7139% | 3,342 |
| Core capital (leverage) ratio | 10.6514% | 2,825 |
| Tier 1 risk-based capital ratio | 17.9928% | 1,924 |
| Total risk-based capital ratio | 18.9005% | 1,982 |
| Memoranda: |
| Average total assets | $169,726,000 | 3,302 |
| Average earning assets | $160,167,250 | 3,251 |
| Average equity | $20,248,750 | 3,164 |
| Average total loans | $90,280,000 | 3,587 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1387% | 5,507 |
| Cost of funding earning assets | 0.2684% | 4,459 |
| Net interest margin | 2.8703% | 5,312 |
| Noninterest income to average assets | 0.4996% | 3,196 |
| Noninterest expense to average assets | 2.5399% | 3,912 |
| Loan and lease loss provision to assets | -0.0418% | 5,818 |
| Net operating income to assets | 0.5525% | 4,471 |
| Return on assets (ROA) | 0.5525% | 4,584 |
| Pretax return on assets | 0.7125% | 4,577 |
| Return on Equity (ROE) | 4.4532% | 4,734 |
| Retained earnings to average equity (ytd only) | 2.4696% | 4,309 |
| Net charge-offs to loans | -0.0068% | 4,600 |
| Credit loss provision to net charge-offs | 1,133.3333% | 340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9575% | 1,646 |
| Assets per employee ($millions) | 5.2579% | 2,026 |
| Cash dividends to net income (ytd only)* | 44.5434% | 2,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9861% | 4,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 5,308 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 47.5846% | 5,025 |
| Net loans and leases to deposits | 59.2908% | 4,838 |
| Net loans and leases to core deposits | 59.7954% | 4,991 |
| Total domestic deposits to total assets | 80.2563% | 4,483 |
| Equity capital to assets | 10.8096% | 3,273 |
| Core capital (leverage) ratio | 12.4974% | 1,356 |
| Tier 1 risk-based capital ratio | 18.9624% | 1,702 |
| Total risk-based capital ratio | 19.9214% | 1,726 |
| Memoranda: |
| Average total assets | $162,524,330 | 3,408 |
| Average earning assets | $153,504,000 | 3,359 |
| Average equity | $20,165,330 | 3,179 |
| Average total loans | $88,759,330 | 3,638 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3539% | 5,218 |
| Cost of funding earning assets | 0.2748% | 4,446 |
| Net interest margin | 3.0792% | 4,924 |
| Noninterest income to average assets | 0.5337% | 2,907 |
| Noninterest expense to average assets | 2.5854% | 3,794 |
| Loan and lease loss provision to assets | -0.0134% | 5,895 |
| Net operating income to assets | 0.6651% | 3,903 |
| Return on assets (ROA) | 0.6651% | 4,024 |
| Pretax return on assets | 0.8770% | 3,948 |
| Return on Equity (ROE) | 4.9557% | 4,502 |
| Retained earnings to average equity (ytd only) | 0.9592% | 4,855 |
| Net charge-offs to loans | -0.0046% | 4,266 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9611% | 2,332 |
| Assets per employee ($millions) | 4.9816% | 2,361 |
| Cash dividends to net income (ytd only)* | 80.6452% | 992 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0870% | 4,125 |
| Loan loss allowance to noncurrent loans | 93,400.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 5,238 |
| Noncurrent loans to loans | 0.0012% | 5,537 |
| Net loans and leases to total assets | 56.8699% | 4,163 |
| Net loans and leases to deposits | 76.1213% | 3,207 |
| Net loans and leases to core deposits | 76.5457% | 3,632 |
| Total domestic deposits to total assets | 74.7096% | 5,546 |
| Equity capital to assets | 13.3652% | 1,234 |
| Core capital (leverage) ratio | 14.2718% | 741 |
| Tier 1 risk-based capital ratio | 22.5306% | 1,087 |
| Total risk-based capital ratio | 23.5877% | 1,091 |
| Memoranda: |
| Average total assets | $149,143,500 | 3,594 |
| Average earning assets | $141,207,000 | 3,539 |
| Average equity | $20,017,500 | 3,197 |
| Average total loans | $87,655,000 | 3,659 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3836% | 5,198 |
| Cost of funding earning assets | 0.3019% | 4,228 |
| Net interest margin | 3.0816% | 4,947 |
| Noninterest income to average assets | 0.6109% | 2,668 |
| Noninterest expense to average assets | 2.4185% | 4,469 |
| Loan and lease loss provision to assets | 0.0170% | 4,069 |
| Net operating income to assets | 0.8161% | 3,272 |
| Return on assets (ROA) | 0.8161% | 3,352 |
| Pretax return on assets | 1.0954% | 3,084 |
| Return on Equity (ROE) | 6.0222% | 4,022 |
| Retained earnings to average equity (ytd only) | 4.0164% | 3,165 |
| Net charge-offs to loans | 0.1507% | 1,863 |
| Credit loss provision to net charge-offs | 20.1613% | 3,747 |
| Earnings coverage of net charge-offs (x) | 13.2016% | 2,390 |
| Efficiency ratio | 68.4950% | 3,478 |
| Assets per employee ($millions) | 4.9613% | 2,410 |
| Cash dividends to net income (ytd only)* | 33.3056% | 3,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0494% | 4,322 |
| Loan loss allowance to noncurrent loans | 172.1101% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 3,861 |
| Noncurrent loans to loans | 0.6097% | 3,345 |
| Net loans and leases to total assets | 59.4246% | 3,911 |
| Net loans and leases to deposits | 78.9719% | 2,943 |
| Net loans and leases to core deposits | 79.4094% | 3,403 |
| Total domestic deposits to total assets | 75.2478% | 5,529 |
| Equity capital to assets | 13.4783% | 1,135 |
| Core capital (leverage) ratio | 14.0318% | 807 |
| Tier 1 risk-based capital ratio | 21.8027% | 1,180 |
| Total risk-based capital ratio | 22.8185% | 1,190 |
| Memoranda: |
| Average total assets | $147,158,800 | 3,611 |
| Average earning assets | $139,438,800 | 3,544 |
| Average equity | $19,943,000 | 3,176 |
| Average total loans | $82,267,000 | 3,763 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3578% | 5,302 |
| Cost of funding earning assets | 0.3030% | 4,309 |
| Net interest margin | 3.0548% | 5,064 |
| Noninterest income to average assets | 0.6115% | 2,684 |
| Noninterest expense to average assets | 2.3815% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8368% | 3,237 |
| Return on assets (ROA) | 0.8368% | 3,321 |
| Pretax return on assets | 1.1249% | 3,120 |
| Return on Equity (ROE) | 6.1665% | 4,078 |
| Retained earnings to average equity (ytd only) | 6.1665% | 2,142 |
| Net charge-offs to loans | -0.0050% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9192% | 3,559 |
| Assets per employee ($millions) | 4.9720% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2469% | 3,391 |
| Loan loss allowance to noncurrent loans | 424.4898% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 5,100 |
| Noncurrent loans to loans | 0.2937% | 4,537 |
| Net loans and leases to total assets | 55.2215% | 4,439 |
| Net loans and leases to deposits | 74.5482% | 3,478 |
| Net loans and leases to core deposits | 74.9832% | 3,909 |
| Total domestic deposits to total assets | 74.0750% | 5,705 |
| Equity capital to assets | 13.5893% | 1,187 |
| Core capital (leverage) ratio | 14.2994% | 788 |
| Tier 1 risk-based capital ratio | 23.0912% | 1,042 |
| Total risk-based capital ratio | 24.2543% | 1,034 |
| Memoranda: |
| Average total assets | $146,738,750 | 3,649 |
| Average earning assets | $139,056,500 | 3,587 |
| Average equity | $19,913,500 | 3,209 |
| Average total loans | $80,487,500 | 3,841 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3377% | 5,367 |
| Cost of funding earning assets | 0.3066% | 4,325 |
| Net interest margin | 3.0311% | 5,150 |
| Noninterest income to average assets | 0.6291% | 2,586 |
| Noninterest expense to average assets | 2.4080% | 4,521 |
| Loan and lease loss provision to assets | -0.0027% | 5,935 |
| Net operating income to assets | 0.7812% | 3,482 |
| Return on assets (ROA) | 0.7812% | 3,587 |
| Pretax return on assets | 1.0964% | 3,187 |
| Return on Equity (ROE) | 5.7591% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.7591% | 2,374 |
| Net charge-offs to loans | -0.0050% | 4,741 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7671% | 3,542 |
| Assets per employee ($millions) | 4.6558% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2611% | 3,448 |
| Loan loss allowance to noncurrent loans | 421.5447% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 5,215 |
| Noncurrent loans to loans | 0.2992% | 4,617 |
| Net loans and leases to total assets | 54.4961% | 4,505 |
| Net loans and leases to deposits | 72.3582% | 3,680 |
| Net loans and leases to core deposits | 73.0963% | 4,031 |
| Total domestic deposits to total assets | 75.3143% | 5,669 |
| Equity capital to assets | 13.3752% | 1,227 |
| Core capital (leverage) ratio | 14.4354% | 726 |
| Tier 1 risk-based capital ratio | 22.9363% | 1,093 |
| Total risk-based capital ratio | 24.1099% | 1,076 |
| Memoranda: |
| Average total assets | $145,931,330 | 3,693 |
| Average earning assets | $138,298,670 | 3,625 |
| Average equity | $19,794,670 | 3,234 |
| Average total loans | $79,513,670 | 3,901 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2751% | 5,504 |
| Cost of funding earning assets | 0.3158% | 4,267 |
| Net interest margin | 2.9593% | 5,322 |
| Noninterest income to average assets | 0.5678% | 2,850 |
| Noninterest expense to average assets | 2.5096% | 4,235 |
| Loan and lease loss provision to assets | -0.0055% | 6,086 |
| Net operating income to assets | 0.6177% | 4,207 |
| Return on assets (ROA) | 0.6177% | 4,299 |
| Pretax return on assets | 0.8670% | 4,000 |
| Return on Equity (ROE) | 4.5214% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.5214% | 3,314 |
| Net charge-offs to loans | -0.0051% | 4,501 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4454% | 2,740 |
| Assets per employee ($millions) | 4.6639% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3278% | 3,258 |
| Loan loss allowance to noncurrent loans | 392.4242% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 5,220 |
| Noncurrent loans to loans | 0.3383% | 4,575 |
| Net loans and leases to total assets | 53.2501% | 4,525 |
| Net loans and leases to deposits | 67.9727% | 3,960 |
| Net loans and leases to core deposits | 68.6583% | 4,274 |
| Total domestic deposits to total assets | 78.3403% | 5,382 |
| Equity capital to assets | 13.6891% | 1,096 |
| Core capital (leverage) ratio | 14.2913% | 739 |
| Tier 1 risk-based capital ratio | 23.6680% | 1,030 |
| Total risk-based capital ratio | 24.9002% | 1,019 |
| Memoranda: |
| Average total assets | $144,404,500 | 3,738 |
| Average earning assets | $136,788,000 | 3,671 |
| Average equity | $19,728,500 | 3,259 |
| Average total loans | $78,156,500 | 3,955 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1969% | 5,840 |
| Cost of funding earning assets | 0.3390% | 4,377 |
| Net interest margin | 2.8578% | 5,719 |
| Noninterest income to average assets | 0.5894% | 2,920 |
| Noninterest expense to average assets | 2.2623% | 5,213 |
| Loan and lease loss provision to assets | 0.0026% | 4,551 |
| Net operating income to assets | 0.7860% | 3,440 |
| Return on assets (ROA) | 0.8202% | 3,367 |
| Pretax return on assets | 1.0848% | 3,144 |
| Return on Equity (ROE) | 6.3057% | 3,999 |
| Retained earnings to average equity (ytd only) | 0.4577% | 5,567 |
| Net charge-offs to loans | -0.0027% | 5,398 |
| Credit loss provision to net charge-offs | -200.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4548% | 3,814 |
| Assets per employee ($millions) | 4.5071% | 3,025 |
| Cash dividends to net income (ytd only)* | 92.7419% | 515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3246% | 3,296 |
| Loan loss allowance to noncurrent loans | 263.8677% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 4,943 |
| Noncurrent loans to loans | 0.5020% | 4,160 |
| Net loans and leases to total assets | 53.5614% | 4,629 |
| Net loans and leases to deposits | 68.5083% | 4,079 |
| Net loans and leases to core deposits | 69.2018% | 4,387 |
| Total domestic deposits to total assets | 78.1823% | 5,404 |
| Equity capital to assets | 13.6348% | 1,102 |
| Core capital (leverage) ratio | 13.9614% | 822 |
| Tier 1 risk-based capital ratio | 23.2114% | 1,051 |
| Total risk-based capital ratio | 24.4315% | 1,034 |
| Memoranda: |
| Average total assets | $151,176,400 | 3,613 |
| Average earning assets | $143,639,600 | 3,546 |
| Average equity | $19,664,800 | 3,194 |
| Average total loans | $74,821,800 | 4,028 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1608% | 5,944 |
| Cost of funding earning assets | 0.3385% | 4,483 |
| Net interest margin | 2.8223% | 5,839 |
| Noninterest income to average assets | 0.5737% | 3,041 |
| Noninterest expense to average assets | 2.2042% | 5,343 |
| Loan and lease loss provision to assets | 0.0044% | 4,326 |
| Net operating income to assets | 0.7350% | 3,751 |
| Return on assets (ROA) | 0.7594% | 3,722 |
| Pretax return on assets | 1.0829% | 3,253 |
| Return on Equity (ROE) | 5.9055% | 4,282 |
| Retained earnings to average equity (ytd only) | 2.8544% | 4,566 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6841% | 3,913 |
| Assets per employee ($millions) | 4.6059% | 2,803 |
| Cash dividends to net income (ytd only)* | 51.6654% | 1,774 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3612% | 3,346 |
| Loan loss allowance to noncurrent loans | 1,204.6512% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,912 |
| Noncurrent loans to loans | 0.1130% | 5,588 |
| Net loans and leases to total assets | 50.9360% | 4,901 |
| Net loans and leases to deposits | 65.8850% | 4,341 |
| Net loans and leases to core deposits | 66.9849% | 4,608 |
| Total domestic deposits to total assets | 77.3104% | 5,626 |
| Equity capital to assets | 13.5919% | 1,145 |
| Core capital (leverage) ratio | 13.5249% | 991 |
| Tier 1 risk-based capital ratio | 23.8442% | 1,006 |
| Total risk-based capital ratio | 25.0764% | 991 |
| Memoranda: |
| Average total assets | $152,913,750 | 3,617 |
| Average earning assets | $145,361,250 | 3,555 |
| Average equity | $19,664,750 | 3,205 |
| Average total loans | $73,955,500 | 4,091 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0930% | 6,069 |
| Cost of funding earning assets | 0.3355% | 4,581 |
| Net interest margin | 2.7575% | 5,977 |
| Noninterest income to average assets | 0.5841% | 2,901 |
| Noninterest expense to average assets | 2.1699% | 5,482 |
| Loan and lease loss provision to assets | 0.0052% | 4,127 |
| Net operating income to assets | 0.7264% | 3,689 |
| Return on assets (ROA) | 0.7328% | 3,752 |
| Pretax return on assets | 1.0416% | 3,314 |
| Return on Equity (ROE) | 5.8029% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.1974% | 5,274 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6471% | 4,075 |
| Assets per employee ($millions) | 5.3037% | 1,878 |
| Cash dividends to net income (ytd only)* | 79.3651% | 922 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4218% | 3,236 |
| Loan loss allowance to noncurrent loans | 1,203.4884% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 6,024 |
| Noncurrent loans to loans | 0.1181% | 5,662 |
| Net loans and leases to total assets | 45.1002% | 5,453 |
| Net loans and leases to deposits | 61.4923% | 4,740 |
| Net loans and leases to core deposits | 62.3834% | 4,940 |
| Total domestic deposits to total assets | 73.3430% | 6,164 |
| Equity capital to assets | 12.4536% | 1,674 |
| Core capital (leverage) ratio | 13.0375% | 1,145 |
| Tier 1 risk-based capital ratio | 23.7342% | 1,017 |
| Total risk-based capital ratio | 24.9779% | 996 |
| Memoranda: |
| Average total assets | $154,755,330 | 3,611 |
| Average earning assets | $147,233,330 | 3,532 |
| Average equity | $19,542,000 | 3,222 |
| Average total loans | $73,237,330 | 4,128 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1104% | 6,106 |
| Cost of funding earning assets | 0.3419% | 4,627 |
| Net interest margin | 2.7684% | 6,002 |
| Noninterest income to average assets | 0.6030% | 2,717 |
| Noninterest expense to average assets | 2.2782% | 5,253 |
| Loan and lease loss provision to assets | -0.0079% | 6,390 |
| Net operating income to assets | 0.6843% | 3,761 |
| Return on assets (ROA) | 0.6973% | 3,777 |
| Pretax return on assets | 0.9831% | 3,395 |
| Return on Equity (ROE) | 5.4830% | 4,283 |
| Retained earnings to average equity (ytd only) | 1.3604% | 5,067 |
| Net charge-offs to loans | -0.0054% | 4,838 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4214% | 3,757 |
| Assets per employee ($millions) | 5.0964% | 2,131 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,054 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4113% | 3,546 |
| Loan loss allowance to noncurrent loans | 961.6822% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 6,056 |
| Noncurrent loans to loans | 0.1468% | 5,647 |
| Net loans and leases to total assets | 47.0155% | 5,230 |
| Net loans and leases to deposits | 62.7558% | 4,461 |
| Net loans and leases to core deposits | 63.5784% | 4,723 |
| Total domestic deposits to total assets | 74.9182% | 6,163 |
| Equity capital to assets | 12.7718% | 1,418 |
| Core capital (leverage) ratio | 13.2361% | 1,078 |
| Tier 1 risk-based capital ratio | 23.7265% | 1,044 |
| Total risk-based capital ratio | 24.9740% | 1,026 |
| Memoranda: |
| Average total assets | $152,578,000 | 3,668 |
| Average earning assets | $145,064,000 | 3,604 |
| Average equity | $19,405,500 | 3,238 |
| Average total loans | $73,459,000 | 4,150 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2328% | 6,099 |
| Cost of funding earning assets | 0.3894% | 4,759 |
| Net interest margin | 2.8435% | 5,911 |
| Noninterest income to average assets | 0.6729% | 2,689 |
| Noninterest expense to average assets | 2.2467% | 5,511 |
| Loan and lease loss provision to assets | 0.0280% | 4,556 |
| Net operating income to assets | 0.7982% | 3,298 |
| Return on assets (ROA) | 0.7982% | 3,398 |
| Pretax return on assets | 1.0987% | 2,952 |
| Return on Equity (ROE) | 6.1368% | 4,004 |
| Retained earnings to average equity (ytd only) | 1.2704% | 5,258 |
| Net charge-offs to loans | 0.0179% | 5,086 |
| Credit loss provision to net charge-offs | 323.0769% | 717 |
| Earnings coverage of net charge-offs (x) | 130.0769% | 356 |
| Efficiency ratio | 66.6008% | 4,455 |
| Assets per employee ($millions) | 4.9117% | 2,296 |
| Cash dividends to net income (ytd only)* | 79.2988% | 947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3931% | 3,687 |
| Loan loss allowance to noncurrent loans | 1,085.2632% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 6,172 |
| Noncurrent loans to loans | 0.1284% | 5,819 |
| Net loans and leases to total assets | 47.9266% | 5,301 |
| Net loans and leases to deposits | 66.2427% | 4,272 |
| Net loans and leases to core deposits | 67.1448% | 4,599 |
| Total domestic deposits to total assets | 72.3500% | 6,403 |
| Equity capital to assets | 12.6648% | 1,441 |
| Core capital (leverage) ratio | 13.3952% | 992 |
| Tier 1 risk-based capital ratio | 23.6395% | 998 |
| Total risk-based capital ratio | 24.8854% | 982 |
| Memoranda: |
| Average total assets | $150,088,200 | 3,701 |
| Average earning assets | $142,537,400 | 3,624 |
| Average equity | $19,521,600 | 3,207 |
| Average total loans | $72,438,000 | 4,181 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2491% | 6,135 |
| Cost of funding earning assets | 0.3991% | 4,823 |
| Net interest margin | 2.8500% | 5,920 |
| Noninterest income to average assets | 0.6972% | 2,625 |
| Noninterest expense to average assets | 2.2432% | 5,500 |
| Loan and lease loss provision to assets | 0.0357% | 4,306 |
| Net operating income to assets | 0.8104% | 3,294 |
| Return on assets (ROA) | 0.8104% | 3,427 |
| Pretax return on assets | 1.1243% | 3,003 |
| Return on Equity (ROE) | 6.1895% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.1254% | 4,450 |
| Net charge-offs to loans | 0.0259% | 4,606 |
| Credit loss provision to net charge-offs | 285.7143% | 886 |
| Earnings coverage of net charge-offs (x) | 92.9095% | 524 |
| Efficiency ratio | 65.9156% | 4,502 |
| Assets per employee ($millions) | 4.6235% | 2,677 |
| Cash dividends to net income (ytd only)* | 49.5054% | 1,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4060% | 3,871 |
| Loan loss allowance to noncurrent loans | 1,223.8095% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 6,279 |
| Noncurrent loans to loans | 0.1149% | 5,985 |
| Net loans and leases to total assets | 48.7236% | 5,275 |
| Net loans and leases to deposits | 66.2634% | 4,272 |
| Net loans and leases to core deposits | 67.1761% | 4,605 |
| Total domestic deposits to total assets | 73.5301% | 6,401 |
| Equity capital to assets | 13.2035% | 1,241 |
| Core capital (leverage) ratio | 13.8163% | 919 |
| Tier 1 risk-based capital ratio | 24.1104% | 987 |
| Total risk-based capital ratio | 25.3609% | 969 |
| Memoranda: |
| Average total assets | $149,544,250 | 3,753 |
| Average earning assets | $141,984,000 | 3,671 |
| Average equity | $19,581,000 | 3,234 |
| Average total loans | $72,046,000 | 4,227 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2408% | 6,173 |
| Cost of funding earning assets | 0.4054% | 4,888 |
| Net interest margin | 2.8353% | 5,933 |
| Noninterest income to average assets | 0.7436% | 2,445 |
| Noninterest expense to average assets | 2.2376% | 5,531 |
| Loan and lease loss provision to assets | 0.0466% | 4,042 |
| Net operating income to assets | 0.8289% | 3,155 |
| Return on assets (ROA) | 0.8289% | 3,306 |
| Pretax return on assets | 1.1528% | 2,872 |
| Return on Equity (ROE) | 6.3481% | 3,968 |
| Retained earnings to average equity (ytd only) | 1.7554% | 5,137 |
| Net charge-offs to loans | 0.0391% | 4,128 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 64.2857% | 669 |
| Efficiency ratio | 65.1028% | 4,691 |
| Assets per employee ($millions) | 4.7070% | 2,501 |
| Cash dividends to net income (ytd only)* | 72.3473% | 1,121 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4621% | 3,758 |
| Loan loss allowance to noncurrent loans | 974.2857% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 6,293 |
| Noncurrent loans to loans | 0.1501% | 5,946 |
| Net loans and leases to total assets | 45.7732% | 5,557 |
| Net loans and leases to deposits | 60.4590% | 4,921 |
| Net loans and leases to core deposits | 60.9874% | 5,174 |
| Total domestic deposits to total assets | 75.7096% | 6,280 |
| Equity capital to assets | 12.6939% | 1,472 |
| Core capital (leverage) ratio | 13.3557% | 1,035 |
| Tier 1 risk-based capital ratio | 24.5095% | 935 |
| Total risk-based capital ratio | 25.7600% | 917 |
| Memoranda: |
| Average total assets | $150,074,670 | 3,767 |
| Average earning assets | $142,558,000 | 3,683 |
| Average equity | $19,596,330 | 3,248 |
| Average total loans | $71,689,330 | 4,249 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2667% | 6,218 |
| Cost of funding earning assets | 0.4157% | 4,956 |
| Net interest margin | 2.8510% | 5,913 |
| Noninterest income to average assets | 0.9533% | 1,602 |
| Noninterest expense to average assets | 2.2910% | 5,454 |
| Loan and lease loss provision to assets | 0.0828% | 3,271 |
| Net operating income to assets | 0.9186% | 2,569 |
| Return on assets (ROA) | 0.9186% | 2,715 |
| Pretax return on assets | 1.2897% | 2,263 |
| Return on Equity (ROE) | 6.9374% | 3,523 |
| Retained earnings to average equity (ytd only) | 0.8873% | 5,492 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5364% | 5,228 |
| Assets per employee ($millions) | 4.9228% | 2,320 |
| Cash dividends to net income (ytd only)* | 87.2093% | 783 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4620% | 3,962 |
| Loan loss allowance to noncurrent loans | 776.6917% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 6,329 |
| Noncurrent loans to loans | 0.1882% | 5,933 |
| Net loans and leases to total assets | 45.6231% | 5,474 |
| Net loans and leases to deposits | 59.9184% | 4,801 |
| Net loans and leases to core deposits | 60.5911% | 5,084 |
| Total domestic deposits to total assets | 76.1420% | 6,353 |
| Equity capital to assets | 13.0151% | 1,423 |
| Core capital (leverage) ratio | 13.5318% | 933 |
| Tier 1 risk-based capital ratio | 24.7404% | 925 |
| Total risk-based capital ratio | 25.9909% | 910 |
| Memoranda: |
| Average total assets | $149,800,500 | 3,811 |
| Average earning assets | $142,408,500 | 3,721 |
| Average equity | $19,834,500 | 3,258 |
| Average total loans | $72,550,000 | 4,249 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6107% | 6,211 |
| Cost of funding earning assets | 0.5089% | 5,156 |
| Net interest margin | 3.1018% | 5,807 |
| Noninterest income to average assets | 0.5649% | 3,482 |
| Noninterest expense to average assets | 2.1928% | 5,939 |
| Loan and lease loss provision to assets | 0.0971% | 4,435 |
| Net operating income to assets | 0.8886% | 2,873 |
| Return on assets (ROA) | 0.9337% | 2,877 |
| Pretax return on assets | 1.2840% | 2,470 |
| Return on Equity (ROE) | 7.2292% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.3081% | 3,192 |
| Net charge-offs to loans | -0.0083% | 6,443 |
| Credit loss provision to net charge-offs | -2,466.6667% | 6,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4323% | 5,179 |
| Assets per employee ($millions) | 5.0688% | 2,144 |
| Cash dividends to net income (ytd only)* | 40.4076% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3460% | 4,424 |
| Loan loss allowance to noncurrent loans | 283.0508% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 5,947 |
| Noncurrent loans to loans | 0.4755% | 5,335 |
| Net loans and leases to total assets | 49.9619% | 5,172 |
| Net loans and leases to deposits | 65.3791% | 4,372 |
| Net loans and leases to core deposits | 66.1374% | 4,725 |
| Total domestic deposits to total assets | 76.4188% | 6,302 |
| Equity capital to assets | 13.4747% | 1,238 |
| Core capital (leverage) ratio | 13.5728% | 922 |
| Tier 1 risk-based capital ratio | 23.4320% | 1,046 |
| Total risk-based capital ratio | 24.6553% | 1,030 |
| Memoranda: |
| Average total assets | $152,409,800 | 3,733 |
| Average earning assets | $144,817,800 | 3,644 |
| Average equity | $19,684,000 | 3,232 |
| Average total loans | $72,019,400 | 4,276 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6232% | 6,362 |
| Cost of funding earning assets | 0.5246% | 5,277 |
| Net interest margin | 3.0986% | 5,940 |
| Noninterest income to average assets | 0.5419% | 3,657 |
| Noninterest expense to average assets | 2.1764% | 5,999 |
| Loan and lease loss provision to assets | 0.0937% | 4,421 |
| Net operating income to assets | 0.8919% | 3,027 |
| Return on assets (ROA) | 0.9027% | 3,202 |
| Pretax return on assets | 1.2313% | 2,864 |
| Return on Equity (ROE) | 7.0623% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.7055% | 2,894 |
| Net charge-offs to loans | -0.0112% | 6,380 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4223% | 5,080 |
| Assets per employee ($millions) | 5.2825% | 1,845 |
| Cash dividends to net income (ytd only)* | 19.2122% | 3,080 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3119% | 4,763 |
| Loan loss allowance to noncurrent loans | 235.7843% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,036 |
| Noncurrent loans to loans | 0.5564% | 5,330 |
| Net loans and leases to total assets | 47.2388% | 5,634 |
| Net loans and leases to deposits | 66.8125% | 4,360 |
| Net loans and leases to core deposits | 67.0000% | 4,840 |
| Total domestic deposits to total assets | 70.7034% | 6,810 |
| Equity capital to assets | 13.1456% | 1,518 |
| Core capital (leverage) ratio | 13.0797% | 1,157 |
| Tier 1 risk-based capital ratio | 23.1546% | 1,152 |
| Total risk-based capital ratio | 24.3222% | 1,138 |
| Memoranda: |
| Average total assets | $153,763,750 | 3,758 |
| Average earning assets | $146,127,250 | 3,657 |
| Average equity | $19,653,250 | 3,271 |
| Average total loans | $71,413,500 | 4,347 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6416% | 6,434 |
| Cost of funding earning assets | 0.5495% | 5,307 |
| Net interest margin | 3.0921% | 6,028 |
| Noninterest income to average assets | 0.5560% | 3,546 |
| Noninterest expense to average assets | 2.1591% | 6,108 |
| Loan and lease loss provision to assets | 0.0961% | 4,337 |
| Net operating income to assets | 0.9068% | 2,881 |
| Return on assets (ROA) | 0.9068% | 3,150 |
| Pretax return on assets | 1.2393% | 2,769 |
| Return on Equity (ROE) | 7.1620% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.1360% | 2,621 |
| Net charge-offs to loans | -0.0254% | 6,485 |
| Credit loss provision to net charge-offs | -822.2222% | 6,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7844% | 5,283 |
| Assets per employee ($millions) | 5.4964% | 1,624 |
| Cash dividends to net income (ytd only)* | 14.3266% | 3,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3220% | 4,792 |
| Loan loss allowance to noncurrent loans | 256.4738% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 6,205 |
| Noncurrent loans to loans | 0.5155% | 5,496 |
| Net loans and leases to total assets | 43.5968% | 6,056 |
| Net loans and leases to deposits | 60.4667% | 5,201 |
| Net loans and leases to core deposits | 60.6266% | 5,528 |
| Total domestic deposits to total assets | 72.1005% | 6,795 |
| Equity capital to assets | 12.4300% | 1,860 |
| Core capital (leverage) ratio | 13.0834% | 1,127 |
| Tier 1 risk-based capital ratio | 23.7922% | 1,042 |
| Total risk-based capital ratio | 24.9669% | 1,037 |
| Memoranda: |
| Average total assets | $153,954,330 | 3,770 |
| Average earning assets | $146,309,000 | 3,675 |
| Average equity | $19,491,670 | 3,284 |
| Average total loans | $70,775,330 | 4,394 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7570% | 6,330 |
| Cost of funding earning assets | 0.6016% | 5,112 |
| Net interest margin | 3.1554% | 5,895 |
| Noninterest income to average assets | 0.5687% | 3,438 |
| Noninterest expense to average assets | 2.2217% | 5,990 |
| Loan and lease loss provision to assets | 0.0979% | 4,123 |
| Net operating income to assets | 0.9151% | 2,849 |
| Return on assets (ROA) | 0.9151% | 3,067 |
| Pretax return on assets | 1.2458% | 2,743 |
| Return on Equity (ROE) | 7.1595% | 3,681 |
| Retained earnings to average equity (ytd only) | 7.1595% | 2,344 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3145% | 5,215 |
| Assets per employee ($millions) | 4.9025% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2423% | 5,300 |
| Loan loss allowance to noncurrent loans | 1,638.8889% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 6,817 |
| Noncurrent loans to loans | 0.0758% | 6,561 |
| Net loans and leases to total assets | 46.2919% | 5,748 |
| Net loans and leases to deposits | 62.1652% | 4,887 |
| Net loans and leases to core deposits | 62.5027% | 5,272 |
| Total domestic deposits to total assets | 74.4659% | 6,705 |
| Equity capital to assets | 12.9191% | 1,472 |
| Core capital (leverage) ratio | 13.0084% | 1,128 |
| Tier 1 risk-based capital ratio | 24.0004% | 1,004 |
| Total risk-based capital ratio | 25.1454% | 1,006 |
| Memoranda: |
| Average total assets | $151,233,000 | 3,848 |
| Average earning assets | $143,625,000 | 3,755 |
| Average equity | $19,331,000 | 3,305 |
| Average total loans | $70,951,500 | 4,418 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8963% | 6,620 |
| Cost of funding earning assets | 0.8664% | 4,347 |
| Net interest margin | 3.0299% | 6,483 |
| Noninterest income to average assets | 0.6368% | 2,968 |
| Noninterest expense to average assets | 2.0875% | 6,517 |
| Loan and lease loss provision to assets | 0.0996% | 5,344 |
| Net operating income to assets | 0.9333% | 2,471 |
| Return on assets (ROA) | 0.9506% | 2,532 |
| Pretax return on assets | 1.3504% | 1,952 |
| Return on Equity (ROE) | 7.8153% | 3,002 |
| Retained earnings to average equity (ytd only) | 6.2095% | 1,907 |
| Net charge-offs to loans | 0.3609% | 3,600 |
| Credit loss provision to net charge-offs | 61.9433% | 5,119 |
| Earnings coverage of net charge-offs (x) | 8.8623% | 2,079 |
| Efficiency ratio | 59.4254% | 5,840 |
| Assets per employee ($millions) | 4.8545% | 2,373 |
| Cash dividends to net income (ytd only)* | 20.5479% | 3,507 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2000% | 5,386 |
| Loan loss allowance to noncurrent loans | 1,346.0317% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 6,862 |
| Noncurrent loans to loans | 0.0892% | 6,587 |
| Net loans and leases to total assets | 46.3934% | 5,982 |
| Net loans and leases to deposits | 61.6056% | 5,292 |
| Net loans and leases to core deposits | 61.9395% | 5,657 |
| Total domestic deposits to total assets | 75.3072% | 6,561 |
| Equity capital to assets | 12.6441% | 1,706 |
| Core capital (leverage) ratio | 12.4591% | 1,365 |
| Tier 1 risk-based capital ratio | 23.5044% | 1,029 |
| Total risk-based capital ratio | 24.6018% | 1,036 |
| Memoranda: |
| Average total assets | $153,582,800 | 3,745 |
| Average earning assets | $145,780,000 | 3,642 |
| Average equity | $18,681,200 | 3,328 |
| Average total loans | $68,439,800 | 4,548 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9005% | 6,728 |
| Cost of funding earning assets | 0.9203% | 4,272 |
| Net interest margin | 2.9802% | 6,617 |
| Noninterest income to average assets | 0.5960% | 3,193 |
| Noninterest expense to average assets | 2.1145% | 6,482 |
| Loan and lease loss provision to assets | 0.0976% | 5,235 |
| Net operating income to assets | 0.8687% | 2,863 |
| Return on assets (ROA) | 0.8923% | 2,921 |
| Pretax return on assets | 1.2447% | 2,471 |
| Return on Equity (ROE) | 7.4070% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.6900% | 2,141 |
| Net charge-offs to loans | 0.4851% | 2,801 |
| Credit loss provision to net charge-offs | 45.7490% | 5,123 |
| Earnings coverage of net charge-offs (x) | 6.1376% | 2,610 |
| Efficiency ratio | 61.7558% | 5,453 |
| Assets per employee ($millions) | 4.9605% | 2,247 |
| Cash dividends to net income (ytd only)* | 9.6805% | 3,278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1576% | 5,648 |
| Loan loss allowance to noncurrent loans | 175.6522% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 6,331 |
| Noncurrent loans to loans | 0.6590% | 5,570 |
| Net loans and leases to total assets | 43.4643% | 6,387 |
| Net loans and leases to deposits | 60.7561% | 5,546 |
| Net loans and leases to core deposits | 61.0842% | 5,903 |
| Total domestic deposits to total assets | 71.5391% | 6,961 |
| Equity capital to assets | 12.1093% | 2,163 |
| Core capital (leverage) ratio | 12.3342% | 1,518 |
| Tier 1 risk-based capital ratio | 23.3321% | 1,102 |
| Total risk-based capital ratio | 24.3902% | 1,112 |
| Memoranda: |
| Average total assets | $154,356,250 | 3,753 |
| Average earning assets | $146,474,250 | 3,656 |
| Average equity | $18,594,500 | 3,341 |
| Average total loans | $67,883,500 | 4,602 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9485% | 6,741 |
| Cost of funding earning assets | 0.9644% | 4,217 |
| Net interest margin | 2.9841% | 6,638 |
| Noninterest income to average assets | 0.4892% | 3,955 |
| Noninterest expense to average assets | 2.1583% | 6,485 |
| Loan and lease loss provision to assets | 0.0968% | 5,117 |
| Net operating income to assets | 0.7888% | 3,124 |
| Return on assets (ROA) | 0.7888% | 3,247 |
| Pretax return on assets | 1.0635% | 2,995 |
| Return on Equity (ROE) | 6.5596% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.5596% | 2,108 |
| Net charge-offs to loans | 0.7376% | 2,033 |
| Credit loss provision to net charge-offs | 29.8387% | 4,994 |
| Earnings coverage of net charge-offs (x) | 3.5766% | 3,125 |
| Efficiency ratio | 65.0374% | 5,053 |
| Assets per employee ($millions) | 4.6633% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1806% | 5,633 |
| Loan loss allowance to noncurrent loans | 1,024.0000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 6,820 |
| Noncurrent loans to loans | 0.1153% | 6,688 |
| Net loans and leases to total assets | 41.7707% | 6,607 |
| Net loans and leases to deposits | 56.3241% | 6,106 |
| Net loans and leases to core deposits | 57.1341% | 6,339 |
| Total domestic deposits to total assets | 74.1614% | 6,824 |
| Equity capital to assets | 12.3426% | 1,875 |
| Core capital (leverage) ratio | 12.1258% | 1,540 |
| Tier 1 risk-based capital ratio | 24.0926% | 995 |
| Total risk-based capital ratio | 25.1513% | 1,000 |
| Memoranda: |
| Average total assets | $152,896,000 | 3,803 |
| Average earning assets | $144,967,330 | 3,711 |
| Average equity | $18,385,330 | 3,353 |
| Average total loans | $67,244,000 | 4,666 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9729% | 6,739 |
| Cost of funding earning assets | 0.9780% | 4,366 |
| Net interest margin | 2.9949% | 6,585 |
| Noninterest income to average assets | 0.5013% | 3,874 |
| Noninterest expense to average assets | 2.2126% | 6,393 |
| Loan and lease loss provision to assets | 0.0945% | 4,830 |
| Net operating income to assets | 0.7690% | 3,175 |
| Return on assets (ROA) | 0.7690% | 3,247 |
| Pretax return on assets | 1.0315% | 3,015 |
| Return on Equity (ROE) | 6.4819% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.4819% | 2,382 |
| Net charge-offs to loans | 1.2350% | 1,127 |
| Credit loss provision to net charge-offs | 17.0616% | 4,296 |
| Earnings coverage of net charge-offs (x) | 2.0332% | 3,282 |
| Efficiency ratio | 66.2736% | 4,991 |
| Assets per employee ($millions) | 4.6601% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1687% | 5,775 |
| Loan loss allowance to noncurrent loans | 1,917.5000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 7,014 |
| Noncurrent loans to loans | 0.0610% | 6,899 |
| Net loans and leases to total assets | 42.1763% | 6,603 |
| Net loans and leases to deposits | 56.0297% | 6,121 |
| Net loans and leases to core deposits | 57.2387% | 6,322 |
| Total domestic deposits to total assets | 75.2749% | 6,758 |
| Equity capital to assets | 11.8062% | 2,038 |
| Core capital (leverage) ratio | 12.0759% | 1,521 |
| Tier 1 risk-based capital ratio | 22.4458% | 1,153 |
| Total risk-based capital ratio | 23.4500% | 1,172 |
| Memoranda: |
| Average total assets | $152,399,000 | 3,840 |
| Average earning assets | $144,376,500 | 3,744 |
| Average equity | $18,081,000 | 3,389 |
| Average total loans | $68,341,500 | 4,675 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3334% | 6,726 |
| Cost of funding earning assets | 1.1860% | 4,642 |
| Net interest margin | 3.1474% | 6,395 |
| Noninterest income to average assets | 0.5874% | 3,553 |
| Noninterest expense to average assets | 2.1835% | 6,659 |
| Loan and lease loss provision to assets | 0.0868% | 6,285 |
| Net operating income to assets | 1.0019% | 2,041 |
| Return on assets (ROA) | 1.0019% | 2,135 |
| Pretax return on assets | 1.2973% | 1,930 |
| Return on Equity (ROE) | 8.3331% | 2,560 |
| Retained earnings to average equity (ytd only) | 5.5348% | 2,087 |
| Net charge-offs to loans | -0.0014% | 7,232 |
| Credit loss provision to net charge-offs | -12,900.0000% | 7,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2033% | 5,858 |
| Assets per employee ($millions) | 4.5762% | 2,744 |
| Cash dividends to net income (ytd only)* | 33.5796% | 2,886 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3257% | 4,873 |
| Loan loss allowance to noncurrent loans | 200.8529% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 6,469 |
| Noncurrent loans to loans | 0.6600% | 5,729 |
| Net loans and leases to total assets | 46.4285% | 6,521 |
| Net loans and leases to deposits | 61.0005% | 5,953 |
| Net loans and leases to core deposits | 62.8836% | 6,161 |
| Total domestic deposits to total assets | 76.1116% | 6,624 |
| Equity capital to assets | 11.9233% | 1,955 |
| Core capital (leverage) ratio | 11.7849% | 1,679 |
| Tier 1 risk-based capital ratio | 21.2317% | 1,284 |
| Total risk-based capital ratio | 22.4022% | 1,272 |
| Memoranda: |
| Average total assets | $148,618,000 | 3,900 |
| Average earning assets | $140,719,800 | 3,802 |
| Average equity | $17,868,600 | 3,448 |
| Average total loans | $70,539,200 | 4,666 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3518% | 6,893 |
| Cost of funding earning assets | 1.2197% | 4,744 |
| Net interest margin | 3.1321% | 6,531 |
| Noninterest income to average assets | 0.5990% | 3,440 |
| Noninterest expense to average assets | 2.1312% | 6,782 |
| Loan and lease loss provision to assets | 0.0883% | 6,163 |
| Net operating income to assets | 1.0341% | 2,129 |
| Return on assets (ROA) | 1.0341% | 2,229 |
| Pretax return on assets | 1.3448% | 2,049 |
| Return on Equity (ROE) | 8.5825% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.5825% | 1,210 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7928% | 5,984 |
| Assets per employee ($millions) | 4.5963% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2955% | 4,993 |
| Loan loss allowance to noncurrent loans | 320.4225% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 6,606 |
| Noncurrent loans to loans | 0.4043% | 6,391 |
| Net loans and leases to total assets | 45.7097% | 6,723 |
| Net loans and leases to deposits | 60.9212% | 6,225 |
| Net loans and leases to core deposits | 64.0279% | 6,300 |
| Total domestic deposits to total assets | 75.0308% | 6,795 |
| Equity capital to assets | 12.3346% | 1,952 |
| Core capital (leverage) ratio | 12.1295% | 1,598 |
| Tier 1 risk-based capital ratio | 21.5761% | 1,270 |
| Total risk-based capital ratio | 22.7115% | 1,269 |
| Memoranda: |
| Average total assets | $148,018,750 | 3,957 |
| Average earning assets | $140,136,750 | 3,871 |
| Average equity | $17,834,250 | 3,498 |
| Average total loans | $70,410,000 | 4,737 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3790% | 6,940 |
| Cost of funding earning assets | 1.2516% | 4,815 |
| Net interest margin | 3.1275% | 6,526 |
| Noninterest income to average assets | 0.5736% | 3,517 |
| Noninterest expense to average assets | 2.1281% | 6,823 |
| Loan and lease loss provision to assets | 0.0926% | 5,991 |
| Net operating income to assets | 1.0136% | 2,147 |
| Return on assets (ROA) | 1.0136% | 2,216 |
| Pretax return on assets | 1.3147% | 2,041 |
| Return on Equity (ROE) | 8.4822% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.4822% | 1,271 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1927% | 6,013 |
| Assets per employee ($millions) | 4.3523% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2317% | 5,282 |
| Loan loss allowance to noncurrent loans | 100.5714% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 5,694 |
| Noncurrent loans to loans | 1.2247% | 4,919 |
| Net loans and leases to total assets | 47.6871% | 6,643 |
| Net loans and leases to deposits | 63.1780% | 6,120 |
| Net loans and leases to core deposits | 66.0805% | 6,240 |
| Total domestic deposits to total assets | 75.4806% | 6,781 |
| Equity capital to assets | 12.1877% | 1,984 |
| Core capital (leverage) ratio | 12.0935% | 1,596 |
| Tier 1 risk-based capital ratio | 21.0330% | 1,332 |
| Total risk-based capital ratio | 22.1225% | 1,336 |
| Memoranda: |
| Average total assets | $146,798,670 | 4,016 |
| Average earning assets | $139,025,670 | 3,921 |
| Average equity | $17,542,670 | 3,538 |
| Average total loans | $70,466,000 | 4,778 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3487% | 7,067 |
| Cost of funding earning assets | 1.2763% | 4,955 |
| Net interest margin | 3.0724% | 6,661 |
| Noninterest income to average assets | 0.5007% | 4,046 |
| Noninterest expense to average assets | 2.0847% | 6,988 |
| Loan and lease loss provision to assets | 0.0930% | 5,704 |
| Net operating income to assets | 0.9630% | 2,323 |
| Return on assets (ROA) | 0.9630% | 2,384 |
| Pretax return on assets | 1.2338% | 2,253 |
| Return on Equity (ROE) | 8.1404% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.1404% | 1,652 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1067% | 5,980 |
| Assets per employee ($millions) | 4.3276% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2313% | 5,325 |
| Loan loss allowance to noncurrent loans | 248.8235% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 6,471 |
| Noncurrent loans to loans | 0.4949% | 6,307 |
| Net loans and leases to total assets | 46.1203% | 6,821 |
| Net loans and leases to deposits | 60.5831% | 6,404 |
| Net loans and leases to core deposits | 63.3546% | 6,503 |
| Total domestic deposits to total assets | 76.1273% | 6,736 |
| Equity capital to assets | 11.9017% | 2,106 |
| Core capital (leverage) ratio | 12.0469% | 1,633 |
| Tier 1 risk-based capital ratio | 20.9958% | 1,339 |
| Total risk-based capital ratio | 22.0645% | 1,343 |
| Memoranda: |
| Average total assets | $146,209,500 | 4,089 |
| Average earning assets | $138,523,000 | 3,992 |
| Average equity | $17,296,500 | 3,604 |
| Average total loans | $69,976,000 | 4,862 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7413% | 7,073 |
| Cost of funding earning assets | 1.5523% | 5,265 |
| Net interest margin | 3.1890% | 6,132 |
| Noninterest income to average assets | 0.7752% | 2,538 |
| Noninterest expense to average assets | 2.2984% | 6,754 |
| Loan and lease loss provision to assets | 0.1377% | 6,268 |
| Net operating income to assets | 1.0626% | 1,615 |
| Return on assets (ROA) | 0.9970% | 1,898 |
| Pretax return on assets | 1.2799% | 1,751 |
| Return on Equity (ROE) | 8.4740% | 2,209 |
| Retained earnings to average equity (ytd only) | 2.5646% | 3,350 |
| Net charge-offs to loans | 0.5313% | 3,656 |
| Credit loss provision to net charge-offs | 52.5199% | 6,718 |
| Earnings coverage of net charge-offs (x) | 5.7294% | 2,513 |
| Efficiency ratio | 60.4830% | 6,410 |
| Assets per employee ($millions) | 4.2729% | 3,312 |
| Cash dividends to net income (ytd only)* | 69.7350% | 1,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1397% | 5,691 |
| Loan loss allowance to noncurrent loans | 234.6821% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 6,434 |
| Noncurrent loans to loans | 0.4856% | 6,286 |
| Net loans and leases to total assets | 48.4809% | 6,772 |
| Net loans and leases to deposits | 63.0645% | 6,356 |
| Net loans and leases to core deposits | 70.4112% | 6,741 |
| Total domestic deposits to total assets | 76.8750% | 6,512 |
| Equity capital to assets | 11.7573% | 2,162 |
| Core capital (leverage) ratio | 11.6385% | 1,848 |
| Tier 1 risk-based capital ratio | 20.1764% | 1,430 |
| Total risk-based capital ratio | 21.1820% | 1,440 |
| Memoranda: |
| Average total assets | $143,837,000 | 4,045 |
| Average earning assets | $136,439,000 | 3,972 |
| Average equity | $16,922,400 | 3,685 |
| Average total loans | $70,957,200 | 4,836 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8221% | 7,073 |
| Cost of funding earning assets | 1.6145% | 5,336 |
| Net interest margin | 3.2075% | 5,992 |
| Noninterest income to average assets | 0.8252% | 2,312 |
| Noninterest expense to average assets | 2.2935% | 6,724 |
| Loan and lease loss provision to assets | 0.1115% | 6,253 |
| Net operating income to assets | 1.1212% | 1,669 |
| Return on assets (ROA) | 1.0919% | 1,819 |
| Pretax return on assets | 1.4246% | 1,636 |
| Return on Equity (ROE) | 9.2795% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.2795% | 771 |
| Net charge-offs to loans | 0.1448% | 5,243 |
| Credit loss provision to net charge-offs | 155.8442% | 3,058 |
| Earnings coverage of net charge-offs (x) | 22.0009% | 1,179 |
| Efficiency ratio | 59.2984% | 6,513 |
| Assets per employee ($millions) | 4.1398% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5011% | 3,430 |
| Loan loss allowance to noncurrent loans | 125.6379% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 5,987 |
| Noncurrent loans to loans | 1.1947% | 4,949 |
| Net loans and leases to total assets | 48.2054% | 6,932 |
| Net loans and leases to deposits | 64.6212% | 6,439 |
| Net loans and leases to core deposits | 73.6862% | 6,745 |
| Total domestic deposits to total assets | 74.5968% | 6,850 |
| Equity capital to assets | 12.7407% | 1,807 |
| Core capital (leverage) ratio | 12.5677% | 1,551 |
| Tier 1 risk-based capital ratio | 21.6737% | 1,263 |
| Total risk-based capital ratio | 22.9240% | 1,244 |
| Memoranda: |
| Average total assets | $143,476,250 | 4,078 |
| Average earning assets | $136,093,500 | 4,004 |
| Average equity | $16,882,750 | 3,727 |
| Average total loans | $70,885,250 | 4,882 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8562% | 7,124 |
| Cost of funding earning assets | 1.6908% | 5,317 |
| Net interest margin | 3.1655% | 6,042 |
| Noninterest income to average assets | 0.6594% | 3,270 |
| Noninterest expense to average assets | 2.3105% | 6,730 |
| Loan and lease loss provision to assets | 0.1150% | 5,994 |
| Net operating income to assets | 0.9729% | 2,198 |
| Return on assets (ROA) | 0.9281% | 2,441 |
| Pretax return on assets | 1.1802% | 2,359 |
| Return on Equity (ROE) | 8.1052% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.1052% | 1,177 |
| Net charge-offs to loans | 0.0084% | 6,458 |
| Credit loss provision to net charge-offs | 2,766.6667% | 185 |
| Earnings coverage of net charge-offs (x) | 325.3333% | 116 |
| Efficiency ratio | 63.0862% | 6,075 |
| Assets per employee ($millions) | 4.2322% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5261% | 3,056 |
| Loan loss allowance to noncurrent loans | 113.2135% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 5,771 |
| Noncurrent loans to loans | 1.3480% | 4,516 |
| Net loans and leases to total assets | 48.0260% | 7,030 |
| Net loans and leases to deposits | 63.6684% | 6,601 |
| Net loans and leases to core deposits | 72.6654% | 6,858 |
| Total domestic deposits to total assets | 75.4314% | 6,676 |
| Equity capital to assets | 11.7016% | 2,385 |
| Core capital (leverage) ratio | 11.8872% | 1,880 |
| Tier 1 risk-based capital ratio | 20.6599% | 1,453 |
| Total risk-based capital ratio | 21.9114% | 1,411 |
| Memoranda: |
| Average total assets | $144,383,670 | 4,096 |
| Average earning assets | $136,978,330 | 4,011 |
| Average equity | $16,532,670 | 3,807 |
| Average total loans | $71,552,000 | 4,902 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9941% | 6,945 |
| Cost of funding earning assets | 1.7978% | 5,120 |
| Net interest margin | 3.1964% | 5,870 |
| Noninterest income to average assets | 0.5780% | 3,703 |
| Noninterest expense to average assets | 2.1407% | 7,032 |
| Loan and lease loss provision to assets | 0.1134% | 5,515 |
| Net operating income to assets | 1.0592% | 2,109 |
| Return on assets (ROA) | 0.9708% | 2,562 |
| Pretax return on assets | 1.2446% | 2,468 |
| Return on Equity (ROE) | 8.5714% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.5714% | 1,612 |
| Net charge-offs to loans | 0.0111% | 5,468 |
| Credit loss provision to net charge-offs | 2,050.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 266.0000% | 155 |
| Efficiency ratio | 59.2649% | 6,513 |
| Assets per employee ($millions) | 4.3074% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4460% | 3,255 |
| Loan loss allowance to noncurrent loans | 156.5350% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 6,145 |
| Noncurrent loans to loans | 0.9237% | 5,156 |
| Net loans and leases to total assets | 47.9362% | 7,031 |
| Net loans and leases to deposits | 63.0177% | 6,646 |
| Net loans and leases to core deposits | 75.4255% | 6,716 |
| Total domestic deposits to total assets | 76.0678% | 6,496 |
| Equity capital to assets | 11.2495% | 2,768 |
| Core capital (leverage) ratio | 11.7128% | 2,039 |
| Tier 1 risk-based capital ratio | 19.9829% | 1,627 |
| Total risk-based capital ratio | 21.2325% | 1,581 |
| Memoranda: |
| Average total assets | $144,628,000 | 4,101 |
| Average earning assets | $137,281,500 | 4,008 |
| Average equity | $16,380,000 | 3,867 |
| Average total loans | $72,239,000 | 4,896 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4229% | 7,432 |
| Cost of funding earning assets | 2.1991% | 5,602 |
| Net interest margin | 3.2238% | 6,291 |
| Noninterest income to average assets | 0.5389% | 4,330 |
| Noninterest expense to average assets | 2.2351% | 6,876 |
| Loan and lease loss provision to assets | 0.1665% | 5,253 |
| Net operating income to assets | 0.9354% | 2,854 |
| Return on assets (ROA) | 0.9354% | 2,707 |
| Pretax return on assets | 1.1880% | 2,687 |
| Return on Equity (ROE) | 7.6379% | 3,220 |
| Retained earnings to average equity (ytd only) | 1.0792% | 4,577 |
| Net charge-offs to loans | -0.0326% | 7,981 |
| Credit loss provision to net charge-offs | -991.3043% | 7,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2661% | 5,901 |
| Assets per employee ($millions) | 4.2001% | 3,116 |
| Cash dividends to net income (ytd only)* | 85.8704% | 1,450 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3530% | 3,464 |
| Loan loss allowance to noncurrent loans | 2,022.4490% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 7,453 |
| Noncurrent loans to loans | 0.0669% | 7,238 |
| Net loans and leases to total assets | 50.5963% | 6,977 |
| Net loans and leases to deposits | 66.9192% | 6,572 |
| Net loans and leases to core deposits | 75.4879% | 6,888 |
| Total domestic deposits to total assets | 75.6080% | 6,323 |
| Equity capital to assets | 11.4037% | 2,698 |
| Core capital (leverage) ratio | 12.3090% | 1,832 |
| Tier 1 risk-based capital ratio | 19.4447% | 1,716 |
| Total risk-based capital ratio | 20.6651% | 1,687 |
| Memoranda: |
| Average total assets | $136,950,400 | 4,142 |
| Average earning assets | $129,599,200 | 4,047 |
| Average equity | $16,771,600 | 3,781 |
| Average total loans | $70,479,000 | 4,850 |
