| 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 | 4.4913% | 3,113 |
| Cost of funding earning assets | 1.4889% | 1,971 |
| Net interest margin | 3.0024% | 3,274 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.5409% | 2,188 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8318% | 2,774 |
| Return on assets (ROA) | 0.8319% | 2,749 |
| Pretax return on assets | 0.8745% | 3,028 |
| Return on Equity (ROE) | 8.3600% | 2,929 |
| Retained earnings to average equity (ytd only) | 4.3519% | 2,849 |
| Net charge-offs to loans | -0.0155% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.8127% | 1,576 |
| Assets per employee ($millions) | 6.3192% | 2,536 |
| Cash dividends to net income (ytd only)* | 47.9338% | 1,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0928% | 2,877 |
| Loan loss allowance to noncurrent loans | 87.9959% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 536 |
| Noncurrent loans to loans | 1.2418% | 568 |
| Net loans and leases to total assets | 74.3700% | 1,304 |
| Net loans and leases to deposits | 96.8080% | 729 |
| Net loans and leases to core deposits | 115.0167% | 781 |
| Total domestic deposits to total assets | 76.8200% | 3,865 |
| Equity capital to assets | 10.1608% | 1,912 |
| Core capital (leverage) ratio | 10.9034% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $805,707,600 | 1,173 |
| Average earning assets | $758,082,000 | 1,158 |
| Average equity | $80,194,800 | 1,126 |
| Average total loans | $592,667,400 | 1,098 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3963% | 3,113 |
| Cost of funding earning assets | 1.3662% | 1,959 |
| Net interest margin | 3.0301% | 3,279 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.5365% | 2,120 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8288% | 2,936 |
| Return on assets (ROA) | 0.8289% | 2,923 |
| Pretax return on assets | 0.8728% | 3,167 |
| Return on Equity (ROE) | 8.3700% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.1405% | 3,222 |
| Net charge-offs to loans | 0.0116% | 1,972 |
| Credit loss provision to net charge-offs | 754.9020% | 487 |
| Earnings coverage of net charge-offs (x) | 110.8039% | 877 |
| Efficiency ratio | 72.5628% | 1,507 |
| Assets per employee ($millions) | 6.3487% | 2,457 |
| Cash dividends to net income (ytd only)* | 50.5539% | 1,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1028% | 2,856 |
| Loan loss allowance to noncurrent loans | 82.0917% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 515 |
| Noncurrent loans to loans | 1.3434% | 568 |
| Net loans and leases to total assets | 74.0600% | 1,333 |
| Net loans and leases to deposits | 93.5492% | 936 |
| Net loans and leases to core deposits | 109.6817% | 881 |
| Total domestic deposits to total assets | 79.1600% | 3,667 |
| Equity capital to assets | 9.7062% | 1,989 |
| Core capital (leverage) ratio | 10.9984% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $798,602,500 | 1,185 |
| Average earning assets | $752,311,750 | 1,166 |
| Average equity | $79,055,000 | 1,136 |
| Average total loans | $584,030,750 | 1,106 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2594% | 3,176 |
| Cost of funding earning assets | 1.2574% | 1,834 |
| Net interest margin | 3.0020% | 3,425 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.6446% | 1,811 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.6651% | 3,422 |
| Return on assets (ROA) | 0.6653% | 3,425 |
| Pretax return on assets | 0.7051% | 3,594 |
| Return on Equity (ROE) | 6.6800% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.4799% | 3,606 |
| Net charge-offs to loans | 0.0834% | 764 |
| Credit loss provision to net charge-offs | 160.4167% | 1,157 |
| Earnings coverage of net charge-offs (x) | 13.4250% | 1,904 |
| Efficiency ratio | 76.1880% | 1,159 |
| Assets per employee ($millions) | 6.0426% | 2,676 |
| Cash dividends to net income (ytd only)* | 62.8550% | 909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1044% | 2,940 |
| Loan loss allowance to noncurrent loans | 74.8107% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 398 |
| Noncurrent loans to loans | 1.4762% | 454 |
| Net loans and leases to total assets | 73.2200% | 1,380 |
| Net loans and leases to deposits | 90.0328% | 1,185 |
| Net loans and leases to core deposits | 103.7195% | 1,064 |
| Total domestic deposits to total assets | 81.3300% | 3,369 |
| Equity capital to assets | 9.9876% | 1,868 |
| Core capital (leverage) ratio | 10.8717% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $793,925,667 | 1,187 |
| Average earning assets | $749,970,333 | 1,165 |
| Average equity | $79,114,667 | 1,130 |
| Average total loans | $575,864,667 | 1,105 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1147% | 3,228 |
| Cost of funding earning assets | 1.1388% | 1,631 |
| Net interest margin | 2.9759% | 3,649 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.7583% | 1,532 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.4318% | 4,029 |
| Return on assets (ROA) | 0.4323% | 3,980 |
| Pretax return on assets | 0.4707% | 4,030 |
| Return on Equity (ROE) | 4.3400% | 3,985 |
| Retained earnings to average equity (ytd only) | -0.2740% | 4,060 |
| Net charge-offs to loans | 0.1724% | 417 |
| Credit loss provision to net charge-offs | 157.1429% | 929 |
| Earnings coverage of net charge-offs (x) | 5.3714% | 1,819 |
| Efficiency ratio | 80.2449% | 810 |
| Assets per employee ($millions) | 6.2369% | 2,548 |
| Cash dividends to net income (ytd only)* | 106.3084% | 401 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1204% | 2,956 |
| Loan loss allowance to noncurrent loans | 72.4192% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 334 |
| Noncurrent loans to loans | 1.5471% | 421 |
| Net loans and leases to total assets | 72.0400% | 1,424 |
| Net loans and leases to deposits | 86.7425% | 1,301 |
| Net loans and leases to core deposits | 97.3311% | 1,212 |
| Total domestic deposits to total assets | 83.0500% | 3,288 |
| Equity capital to assets | 9.9801% | 1,831 |
| Core capital (leverage) ratio | 10.7133% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $792,079,500 | 1,202 |
| Average earning assets | $748,539,500 | 1,184 |
| Average equity | $78,840,500 | 1,142 |
| Average total loans | $568,521,500 | 1,129 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4181% | 3,298 |
| Cost of funding earning assets | 0.4615% | 1,640 |
| Net interest margin | 2.9566% | 3,553 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.4776% | 2,188 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9113% | 2,917 |
| Return on assets (ROA) | 0.9113% | 2,854 |
| Pretax return on assets | 0.9559% | 3,204 |
| Return on Equity (ROE) | 9.0500% | 3,122 |
| Retained earnings to average equity (ytd only) | 5.2240% | 2,954 |
| Net charge-offs to loans | 0.0584% | 1,066 |
| Credit loss provision to net charge-offs | 115.5116% | 1,482 |
| Earnings coverage of net charge-offs (x) | 26.0099% | 1,762 |
| Efficiency ratio | 70.9062% | 1,575 |
| Assets per employee ($millions) | 5.9086% | 2,840 |
| Cash dividends to net income (ytd only)* | 42.2702% | 1,784 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1482% | 2,651 |
| Loan loss allowance to noncurrent loans | 67.3959% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 316 |
| Noncurrent loans to loans | 1.7037% | 366 |
| Net loans and leases to total assets | 69.8600% | 1,655 |
| Net loans and leases to deposits | 84.2028% | 1,454 |
| Net loans and leases to core deposits | 90.6525% | 1,470 |
| Total domestic deposits to total assets | 82.9700% | 3,425 |
| Equity capital to assets | 9.9267% | 1,739 |
| Core capital (leverage) ratio | 11.1299% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $787,865,400 | 1,198 |
| Average earning assets | $740,908,000 | 1,177 |
| Average equity | $79,344,600 | 1,137 |
| Average total loans | $518,992,800 | 1,146 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2890% | 3,210 |
| Cost of funding earning assets | 0.3932% | 1,338 |
| Net interest margin | 2.8958% | 3,509 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.4282% | 2,233 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8722% | 2,997 |
| Return on assets (ROA) | 0.8722% | 2,964 |
| Pretax return on assets | 0.9139% | 3,276 |
| Return on Equity (ROE) | 8.6300% | 3,133 |
| Retained earnings to average equity (ytd only) | 4.9899% | 3,107 |
| Net charge-offs to loans | 0.0499% | 984 |
| Credit loss provision to net charge-offs | 183.2461% | 1,025 |
| Earnings coverage of net charge-offs (x) | 30.1257% | 1,516 |
| Efficiency ratio | 71.0521% | 1,635 |
| Assets per employee ($millions) | 5.7444% | 2,994 |
| Cash dividends to net income (ytd only)* | 42.1757% | 1,490 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2276% | 2,377 |
| Loan loss allowance to noncurrent loans | 68.3989% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.2325% | 324 |
| Noncurrent loans to loans | 1.7947% | 358 |
| Net loans and leases to total assets | 67.8300% | 1,696 |
| Net loans and leases to deposits | 78.3124% | 1,688 |
| Net loans and leases to core deposits | 83.4935% | 1,691 |
| Total domestic deposits to total assets | 86.6100% | 2,882 |
| Equity capital to assets | 9.6369% | 1,803 |
| Core capital (leverage) ratio | 10.8269% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $788,371,250 | 1,203 |
| Average earning assets | $740,634,250 | 1,183 |
| Average equity | $79,678,750 | 1,146 |
| Average total loans | $509,893,500 | 1,160 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1077% | 3,284 |
| Cost of funding earning assets | 0.3712% | 1,107 |
| Net interest margin | 2.7365% | 3,623 |
| Noninterest income to average assets | 0.6940% | 1,365 |
| Noninterest expense to average assets | 2.4010% | 2,222 |
| Loan and lease loss provision to assets | 0.0252% | 2,147 |
| Net operating income to assets | 0.8019% | 2,950 |
| Return on assets (ROA) | 0.8019% | 2,917 |
| Pretax return on assets | 0.8412% | 3,229 |
| Return on Equity (ROE) | 7.8173% | 3,068 |
| Retained earnings to average equity (ytd only) | 4.3209% | 2,964 |
| Net charge-offs to loans | 0.0230% | 1,265 |
| Credit loss provision to net charge-offs | 172.4138% | 1,038 |
| Earnings coverage of net charge-offs (x) | 59.3448% | 1,086 |
| Efficiency ratio | 73.1377% | 1,606 |
| Assets per employee ($millions) | 5.7851% | 2,941 |
| Cash dividends to net income (ytd only)* | 44.7269% | 1,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2454% | 2,449 |
| Loan loss allowance to noncurrent loans | 57.8064% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.4010% | 267 |
| Noncurrent loans to loans | 2.1544% | 296 |
| Net loans and leases to total assets | 64.2206% | 1,886 |
| Net loans and leases to deposits | 74.4919% | 1,807 |
| Net loans and leases to core deposits | 77.8729% | 1,858 |
| Total domestic deposits to total assets | 86.2115% | 3,193 |
| Equity capital to assets | 9.9076% | 1,762 |
| Core capital (leverage) ratio | 10.6176% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $794,579,333 | 1,197 |
| Average earning assets | $747,238,000 | 1,191 |
| Average equity | $81,511,667 | 1,141 |
| Average total loans | $503,655,333 | 1,165 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9589% | 3,373 |
| Cost of funding earning assets | 0.3790% | 998 |
| Net interest margin | 2.5798% | 3,707 |
| Noninterest income to average assets | 0.7294% | 1,222 |
| Noninterest expense to average assets | 2.4391% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6818% | 3,120 |
| Return on assets (ROA) | 0.6818% | 3,111 |
| Pretax return on assets | 0.7179% | 3,341 |
| Return on Equity (ROE) | 6.5360% | 3,184 |
| Retained earnings to average equity (ytd only) | 2.9343% | 3,284 |
| Net charge-offs to loans | 0.0016% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 716.5000% | 134 |
| Efficiency ratio | 76.8962% | 1,423 |
| Assets per employee ($millions) | 5.8258% | 2,972 |
| Cash dividends to net income (ytd only)* | 55.1065% | 1,156 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2500% | 2,605 |
| Loan loss allowance to noncurrent loans | 60.5724% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 304 |
| Noncurrent loans to loans | 2.0637% | 348 |
| Net loans and leases to total assets | 63.0949% | 1,730 |
| Net loans and leases to deposits | 74.7864% | 1,538 |
| Net loans and leases to core deposits | 77.4235% | 1,661 |
| Total domestic deposits to total assets | 84.3669% | 3,683 |
| Equity capital to assets | 10.1309% | 1,805 |
| Core capital (leverage) ratio | 10.4943% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $798,479,000 | 1,196 |
| Average earning assets | $751,372,500 | 1,187 |
| Average equity | $83,292,000 | 1,155 |
| Average total loans | $499,659,500 | 1,166 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4398% | 2,827 |
| Cost of funding earning assets | 0.4979% | 942 |
| Net interest margin | 2.9419% | 3,343 |
| Noninterest income to average assets | 0.8283% | 1,384 |
| Noninterest expense to average assets | 2.4431% | 2,356 |
| Loan and lease loss provision to assets | 0.1087% | 1,161 |
| Net operating income to assets | 1.0000% | 2,663 |
| Return on assets (ROA) | 1.0333% | 2,620 |
| Pretax return on assets | 1.0806% | 3,032 |
| Return on Equity (ROE) | 9.4400% | 2,742 |
| Retained earnings to average equity (ytd only) | 3.3195% | 3,488 |
| Net charge-offs to loans | 0.0975% | 867 |
| Credit loss provision to net charge-offs | 171.3710% | 1,404 |
| Earnings coverage of net charge-offs (x) | 18.2077% | 1,915 |
| Efficiency ratio | 67.8785% | 1,999 |
| Assets per employee ($millions) | 5.9604% | 2,820 |
| Cash dividends to net income (ytd only)* | 64.8354% | 912 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2838% | 2,436 |
| Loan loss allowance to noncurrent loans | 68.5881% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1470% | 442 |
| Noncurrent loans to loans | 1.8717% | 432 |
| Net loans and leases to total assets | 60.4927% | 2,111 |
| Net loans and leases to deposits | 73.0783% | 1,804 |
| Net loans and leases to core deposits | 75.8868% | 1,932 |
| Total domestic deposits to total assets | 82.7780% | 3,851 |
| Equity capital to assets | 10.7271% | 1,994 |
| Core capital (leverage) ratio | 10.3074% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $782,158,400 | 1,182 |
| Average earning assets | $736,285,200 | 1,170 |
| Average equity | $85,614,200 | 1,143 |
| Average total loans | $508,826,600 | 1,149 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5809% | 2,606 |
| Cost of funding earning assets | 0.5274% | 920 |
| Net interest margin | 3.0535% | 3,166 |
| Noninterest income to average assets | 0.7572% | 1,649 |
| Noninterest expense to average assets | 2.3875% | 2,478 |
| Loan and lease loss provision to assets | 0.1030% | 1,172 |
| Net operating income to assets | 1.0897% | 2,596 |
| Return on assets (ROA) | 1.1344% | 2,486 |
| Pretax return on assets | 1.1859% | 2,978 |
| Return on Equity (ROE) | 10.3104% | 2,623 |
| Retained earnings to average equity (ytd only) | 6.7992% | 2,493 |
| Net charge-offs to loans | 0.0762% | 902 |
| Credit loss provision to net charge-offs | 204.7782% | 1,192 |
| Earnings coverage of net charge-offs (x) | 24.6962% | 1,636 |
| Efficiency ratio | 65.7727% | 2,128 |
| Assets per employee ($millions) | 5.8225% | 2,860 |
| Cash dividends to net income (ytd only)* | 34.0548% | 1,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3114% | 2,437 |
| Loan loss allowance to noncurrent loans | 72.4015% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1196% | 559 |
| Noncurrent loans to loans | 1.8113% | 528 |
| Net loans and leases to total assets | 60.6010% | 2,184 |
| Net loans and leases to deposits | 74.1307% | 1,842 |
| Net loans and leases to core deposits | 77.2864% | 1,936 |
| Total domestic deposits to total assets | 81.7489% | 3,969 |
| Equity capital to assets | 11.1641% | 1,910 |
| Core capital (leverage) ratio | 10.6677% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $776,535,000 | 1,200 |
| Average earning assets | $730,562,500 | 1,192 |
| Average equity | $85,438,750 | 1,164 |
| Average total loans | $512,761,750 | 1,161 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1999% | 3,682 |
| Cost of funding earning assets | 0.5667% | 881 |
| Net interest margin | 2.6331% | 4,110 |
| Noninterest income to average assets | 1.1239% | 897 |
| Noninterest expense to average assets | 2.4006% | 2,461 |
| Loan and lease loss provision to assets | 0.0903% | 1,380 |
| Net operating income to assets | 1.0644% | 2,666 |
| Return on assets (ROA) | 1.0644% | 2,740 |
| Pretax return on assets | 1.1105% | 3,180 |
| Return on Equity (ROE) | 9.7215% | 2,867 |
| Retained earnings to average equity (ytd only) | 6.3051% | 2,693 |
| Net charge-offs to loans | 0.1095% | 700 |
| Credit loss provision to net charge-offs | 121.9512% | 1,253 |
| Earnings coverage of net charge-offs (x) | 16.2195% | 1,605 |
| Efficiency ratio | 66.6571% | 2,057 |
| Assets per employee ($millions) | 5.7899% | 2,816 |
| Cash dividends to net income (ytd only)* | 35.1430% | 1,822 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2053% | 2,908 |
| Loan loss allowance to noncurrent loans | 54.8302% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 414 |
| Noncurrent loans to loans | 2.1982% | 407 |
| Net loans and leases to total assets | 63.8013% | 1,971 |
| Net loans and leases to deposits | 78.1325% | 1,608 |
| Net loans and leases to core deposits | 81.3395% | 1,769 |
| Total domestic deposits to total assets | 81.6578% | 3,984 |
| Equity capital to assets | 11.0842% | 1,924 |
| Core capital (leverage) ratio | 10.4474% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $775,308,000 | 1,192 |
| Average earning assets | $729,471,667 | 1,185 |
| Average equity | $84,883,667 | 1,165 |
| Average total loans | $523,981,667 | 1,146 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2058% | 3,679 |
| Cost of funding earning assets | 0.6182% | 807 |
| Net interest margin | 2.5876% | 4,171 |
| Noninterest income to average assets | 1.0678% | 1,024 |
| Noninterest expense to average assets | 2.4701% | 2,267 |
| Loan and lease loss provision to assets | 0.0516% | 2,071 |
| Net operating income to assets | 0.9434% | 2,995 |
| Return on assets (ROA) | 0.9434% | 3,082 |
| Pretax return on assets | 0.9785% | 3,436 |
| Return on Equity (ROE) | 8.6710% | 3,139 |
| Retained earnings to average equity (ytd only) | 5.5878% | 3,035 |
| Net charge-offs to loans | -0.0045% | 3,347 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5692% | 1,640 |
| Assets per employee ($millions) | 5.6893% | 2,925 |
| Cash dividends to net income (ytd only)* | 35.5580% | 1,545 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1446% | 3,220 |
| Loan loss allowance to noncurrent loans | 43.0219% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.8211% | 302 |
| Noncurrent loans to loans | 2.6606% | 333 |
| Net loans and leases to total assets | 67.3898% | 1,610 |
| Net loans and leases to deposits | 82.8788% | 1,260 |
| Net loans and leases to core deposits | 86.6817% | 1,478 |
| Total domestic deposits to total assets | 81.3113% | 4,012 |
| Equity capital to assets | 10.8241% | 1,988 |
| Core capital (leverage) ratio | 10.4893% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $775,036,500 | 1,176 |
| Average earning assets | $728,564,500 | 1,172 |
| Average equity | $84,327,000 | 1,158 |
| Average total loans | $535,451,500 | 1,134 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6927% | 3,587 |
| Cost of funding earning assets | 0.9231% | 794 |
| Net interest margin | 2.7696% | 4,297 |
| Noninterest income to average assets | 0.9460% | 1,159 |
| Noninterest expense to average assets | 2.4281% | 3,062 |
| Loan and lease loss provision to assets | 0.1493% | 2,505 |
| Net operating income to assets | 0.9310% | 2,559 |
| Return on assets (ROA) | 0.9320% | 2,698 |
| Pretax return on assets | 0.9744% | 3,129 |
| Return on Equity (ROE) | 8.4494% | 2,628 |
| Retained earnings to average equity (ytd only) | 4.6695% | 2,438 |
| Net charge-offs to loans | 0.1480% | 1,104 |
| Credit loss provision to net charge-offs | 135.3014% | 2,519 |
| Earnings coverage of net charge-offs (x) | 10.1734% | 2,482 |
| Efficiency ratio | 68.3842% | 2,182 |
| Assets per employee ($millions) | 5.6251% | 2,714 |
| Cash dividends to net income (ytd only)* | 44.7357% | 2,107 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1076% | 3,428 |
| Loan loss allowance to noncurrent loans | 41.5462% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.8953% | 312 |
| Noncurrent loans to loans | 2.6659% | 362 |
| Net loans and leases to total assets | 69.2394% | 1,656 |
| Net loans and leases to deposits | 86.8378% | 1,186 |
| Net loans and leases to core deposits | 93.1044% | 1,299 |
| Total domestic deposits to total assets | 79.7342% | 4,087 |
| Equity capital to assets | 10.9373% | 2,313 |
| Core capital (leverage) ratio | 10.3009% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $736,777,800 | 1,124 |
| Average earning assets | $692,906,600 | 1,110 |
| Average equity | $81,272,200 | 1,143 |
| Average total loans | $549,348,800 | 1,056 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8056% | 3,555 |
| Cost of funding earning assets | 0.9862% | 797 |
| Net interest margin | 2.8194% | 4,309 |
| Noninterest income to average assets | 0.8514% | 1,346 |
| Noninterest expense to average assets | 2.4007% | 3,129 |
| Loan and lease loss provision to assets | 0.1830% | 2,155 |
| Net operating income to assets | 0.8799% | 2,773 |
| Return on assets (ROA) | 0.8813% | 2,898 |
| Pretax return on assets | 0.9199% | 3,327 |
| Return on Equity (ROE) | 7.9715% | 2,818 |
| Retained earnings to average equity (ytd only) | 4.2457% | 2,929 |
| Net charge-offs to loans | 0.0889% | 1,416 |
| Credit loss provision to net charge-offs | 271.7391% | 1,850 |
| Earnings coverage of net charge-offs (x) | 16.3505% | 2,061 |
| Efficiency ratio | 68.5484% | 2,103 |
| Assets per employee ($millions) | 5.6683% | 2,563 |
| Cash dividends to net income (ytd only)* | 46.7387% | 1,631 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1397% | 2,977 |
| Loan loss allowance to noncurrent loans | 42.9124% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.9270% | 357 |
| Noncurrent loans to loans | 2.6559% | 387 |
| Net loans and leases to total assets | 71.1262% | 1,799 |
| Net loans and leases to deposits | 89.8165% | 1,286 |
| Net loans and leases to core deposits | 99.8452% | 1,173 |
| Total domestic deposits to total assets | 79.1905% | 4,026 |
| Equity capital to assets | 10.7607% | 2,579 |
| Core capital (leverage) ratio | 10.1601% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $728,312,750 | 1,119 |
| Average earning assets | $684,770,750 | 1,107 |
| Average equity | $80,518,500 | 1,144 |
| Average total loans | $551,795,750 | 1,048 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9514% | 3,458 |
| Cost of funding earning assets | 1.0615% | 815 |
| Net interest margin | 2.8899% | 4,326 |
| Noninterest income to average assets | 0.7892% | 1,468 |
| Noninterest expense to average assets | 2.4105% | 3,238 |
| Loan and lease loss provision to assets | 0.1820% | 2,200 |
| Net operating income to assets | 0.8764% | 2,786 |
| Return on assets (ROA) | 0.8786% | 2,895 |
| Pretax return on assets | 0.9155% | 3,267 |
| Return on Equity (ROE) | 7.8713% | 2,800 |
| Retained earnings to average equity (ytd only) | 4.2330% | 2,806 |
| Net charge-offs to loans | 0.1271% | 1,076 |
| Credit loss provision to net charge-offs | 185.7143% | 1,978 |
| Earnings coverage of net charge-offs (x) | 11.1743% | 2,107 |
| Efficiency ratio | 68.7570% | 2,129 |
| Assets per employee ($millions) | 5.6073% | 2,537 |
| Cash dividends to net income (ytd only)* | 46.2225% | 1,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0449% | 3,345 |
| Loan loss allowance to noncurrent loans | 52.9064% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.4736% | 642 |
| Noncurrent loans to loans | 1.9751% | 691 |
| Net loans and leases to total assets | 73.8294% | 1,435 |
| Net loans and leases to deposits | 92.4205% | 1,109 |
| Net loans and leases to core deposits | 107.9189% | 823 |
| Total domestic deposits to total assets | 79.8842% | 3,862 |
| Equity capital to assets | 10.6566% | 2,615 |
| Core capital (leverage) ratio | 10.2478% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $714,122,000 | 1,124 |
| Average earning assets | $671,298,667 | 1,108 |
| Average equity | $79,707,000 | 1,144 |
| Average total loans | $550,853,667 | 1,036 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1351% | 3,418 |
| Cost of funding earning assets | 1.1401% | 931 |
| Net interest margin | 2.9950% | 4,287 |
| Noninterest income to average assets | 0.7207% | 1,564 |
| Noninterest expense to average assets | 2.5540% | 3,120 |
| Loan and lease loss provision to assets | 0.0873% | 2,597 |
| Net operating income to assets | 0.8599% | 2,657 |
| Return on assets (ROA) | 0.8599% | 2,762 |
| Pretax return on assets | 0.8919% | 3,160 |
| Return on Equity (ROE) | 7.5138% | 2,727 |
| Retained earnings to average equity (ytd only) | 4.2071% | 2,602 |
| Net charge-offs to loans | 0.2683% | 543 |
| Credit loss provision to net charge-offs | 41.4365% | 2,093 |
| Earnings coverage of net charge-offs (x) | 4.6464% | 2,122 |
| Efficiency ratio | 72.2854% | 2,042 |
| Assets per employee ($millions) | 5.2294% | 2,394 |
| Cash dividends to net income (ytd only)* | 44.0081% | 1,782 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0071% | 3,670 |
| Loan loss allowance to noncurrent loans | 41.1712% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.9281% | 446 |
| Noncurrent loans to loans | 2.4461% | 500 |
| Net loans and leases to total assets | 77.4067% | 1,066 |
| Net loans and leases to deposits | 96.3010% | 880 |
| Net loans and leases to core deposits | 115.8465% | 592 |
| Total domestic deposits to total assets | 80.3799% | 3,783 |
| Equity capital to assets | 11.2735% | 2,616 |
| Core capital (leverage) ratio | 10.7999% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $687,082,000 | 1,133 |
| Average earning assets | $645,210,000 | 1,114 |
| Average equity | $78,628,500 | 1,155 |
| Average total loans | $539,706,500 | 1,027 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4178% | 3,198 |
| Cost of funding earning assets | 1.2466% | 907 |
| Net interest margin | 3.1712% | 4,251 |
| Noninterest income to average assets | 0.7571% | 1,599 |
| Noninterest expense to average assets | 2.4814% | 3,502 |
| Loan and lease loss provision to assets | 0.0707% | 2,587 |
| Net operating income to assets | 1.1344% | 2,316 |
| Return on assets (ROA) | 1.1358% | 2,407 |
| Pretax return on assets | 1.1834% | 2,897 |
| Return on Equity (ROE) | 10.0687% | 2,269 |
| Retained earnings to average equity (ytd only) | 6.0789% | 1,825 |
| Net charge-offs to loans | 0.0095% | 3,345 |
| Credit loss provision to net charge-offs | 931.3725% | 368 |
| Earnings coverage of net charge-offs (x) | 165.0784% | 457 |
| Efficiency ratio | 66.4542% | 2,698 |
| Assets per employee ($millions) | 5.2204% | 2,324 |
| Cash dividends to net income (ytd only)* | 39.6254% | 2,623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0622% | 3,157 |
| Loan loss allowance to noncurrent loans | 140.2613% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 2,108 |
| Noncurrent loans to loans | 0.7573% | 1,999 |
| Net loans and leases to total assets | 78.0774% | 1,072 |
| Net loans and leases to deposits | 101.2036% | 520 |
| Net loans and leases to core deposits | 122.4183% | 416 |
| Total domestic deposits to total assets | 77.1488% | 4,474 |
| Equity capital to assets | 11.6184% | 2,408 |
| Core capital (leverage) ratio | 10.9601% | 2,535 |
| Tier 1 risk-based capital ratio | 12.7239% | 3,931 |
| Total risk-based capital ratio | 13.5393% | 4,061 |
| Memoranda: |
| Average total assets | $672,127,600 | 1,118 |
| Average earning assets | $630,923,000 | 1,094 |
| Average equity | $75,819,200 | 1,137 |
| Average total loans | $536,424,000 | 1,004 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4082% | 3,329 |
| Cost of funding earning assets | 1.2568% | 893 |
| Net interest margin | 3.1514% | 4,398 |
| Noninterest income to average assets | 0.7342% | 1,650 |
| Noninterest expense to average assets | 2.5107% | 3,407 |
| Loan and lease loss provision to assets | 0.0447% | 3,013 |
| Net operating income to assets | 1.0945% | 2,591 |
| Return on assets (ROA) | 1.0901% | 2,703 |
| Pretax return on assets | 1.1325% | 3,195 |
| Return on Equity (ROE) | 9.7375% | 2,542 |
| Retained earnings to average equity (ytd only) | 5.7409% | 2,484 |
| Net charge-offs to loans | 0.0002% | 3,454 |
| Credit loss provision to net charge-offs | 22,500.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 5,957.7444% | 3 |
| Efficiency ratio | 67.9950% | 2,422 |
| Assets per employee ($millions) | 5.2106% | 2,329 |
| Cash dividends to net income (ytd only)* | 41.0435% | 2,115 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0129% | 3,499 |
| Loan loss allowance to noncurrent loans | 212.2583% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 2,987 |
| Noncurrent loans to loans | 0.4772% | 2,863 |
| Net loans and leases to total assets | 78.5861% | 1,050 |
| Net loans and leases to deposits | 98.7997% | 739 |
| Net loans and leases to core deposits | 123.2504% | 431 |
| Total domestic deposits to total assets | 79.5408% | 4,081 |
| Equity capital to assets | 11.3776% | 2,765 |
| Core capital (leverage) ratio | 10.8499% | 2,786 |
| Tier 1 risk-based capital ratio | 12.5674% | 4,103 |
| Total risk-based capital ratio | 13.3793% | 4,243 |
| Memoranda: |
| Average total assets | $670,495,250 | 1,112 |
| Average earning assets | $629,420,750 | 1,095 |
| Average equity | $75,061,750 | 1,145 |
| Average total loans | $536,638,250 | 1,005 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3673% | 3,428 |
| Cost of funding earning assets | 1.2436% | 885 |
| Net interest margin | 3.1236% | 4,494 |
| Noninterest income to average assets | 0.7361% | 1,578 |
| Noninterest expense to average assets | 2.5682% | 3,279 |
| Loan and lease loss provision to assets | 0.0450% | 2,922 |
| Net operating income to assets | 1.0231% | 2,830 |
| Return on assets (ROA) | 1.0170% | 2,936 |
| Pretax return on assets | 1.0509% | 3,383 |
| Return on Equity (ROE) | 9.1354% | 2,803 |
| Retained earnings to average equity (ytd only) | 4.8224% | 2,853 |
| Net charge-offs to loans | 0.0015% | 3,126 |
| Credit loss provision to net charge-offs | 3,750.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 918.2500% | 77 |
| Efficiency ratio | 69.9697% | 2,231 |
| Assets per employee ($millions) | 4.8866% | 2,618 |
| Cash dividends to net income (ytd only)* | 47.2116% | 1,920 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0158% | 3,523 |
| Loan loss allowance to noncurrent loans | 254.0376% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 3,260 |
| Noncurrent loans to loans | 0.3999% | 3,095 |
| Net loans and leases to total assets | 78.7574% | 1,082 |
| Net loans and leases to deposits | 102.2357% | 523 |
| Net loans and leases to core deposits | 126.3054% | 384 |
| Total domestic deposits to total assets | 77.0352% | 4,553 |
| Equity capital to assets | 11.3325% | 2,757 |
| Core capital (leverage) ratio | 10.8046% | 2,784 |
| Tier 1 risk-based capital ratio | 12.6910% | 4,018 |
| Total risk-based capital ratio | 13.5137% | 4,127 |
| Memoranda: |
| Average total assets | $666,464,330 | 1,118 |
| Average earning assets | $626,066,670 | 1,105 |
| Average equity | $74,195,000 | 1,149 |
| Average total loans | $534,881,670 | 1,006 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3038% | 3,541 |
| Cost of funding earning assets | 1.1984% | 904 |
| Net interest margin | 3.1054% | 4,592 |
| Noninterest income to average assets | 0.8211% | 1,237 |
| Noninterest expense to average assets | 2.7220% | 2,840 |
| Loan and lease loss provision to assets | 0.0902% | 1,906 |
| Net operating income to assets | 0.9130% | 3,185 |
| Return on assets (ROA) | 0.9083% | 3,250 |
| Pretax return on assets | 0.9222% | 3,692 |
| Return on Equity (ROE) | 8.2335% | 3,152 |
| Retained earnings to average equity (ytd only) | 3.8714% | 3,370 |
| Net charge-offs to loans | 0.0134% | 2,222 |
| Credit loss provision to net charge-offs | 833.3333% | 432 |
| Earnings coverage of net charge-offs (x) | 93.9444% | 696 |
| Efficiency ratio | 72.7960% | 1,911 |
| Assets per employee ($millions) | 5.1173% | 2,380 |
| Cash dividends to net income (ytd only)* | 52.9801% | 1,547 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0055% | 3,662 |
| Loan loss allowance to noncurrent loans | 226.1945% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 3,083 |
| Noncurrent loans to loans | 0.4445% | 2,992 |
| Net loans and leases to total assets | 79.8701% | 854 |
| Net loans and leases to deposits | 101.3308% | 542 |
| Net loans and leases to core deposits | 125.6173% | 387 |
| Total domestic deposits to total assets | 78.8212% | 4,381 |
| Equity capital to assets | 11.1375% | 2,715 |
| Core capital (leverage) ratio | 10.7642% | 2,793 |
| Tier 1 risk-based capital ratio | 12.4855% | 4,179 |
| Total risk-based capital ratio | 13.3048% | 4,324 |
| Memoranda: |
| Average total assets | $664,961,000 | 1,120 |
| Average earning assets | $624,839,000 | 1,109 |
| Average equity | $73,358,500 | 1,162 |
| Average total loans | $535,988,000 | 1,009 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1780% | 3,502 |
| Cost of funding earning assets | 0.9751% | 831 |
| Net interest margin | 3.2029% | 4,478 |
| Noninterest income to average assets | 0.7728% | 1,559 |
| Noninterest expense to average assets | 2.5427% | 3,495 |
| Loan and lease loss provision to assets | 0.0228% | 3,714 |
| Net operating income to assets | 1.1521% | 2,373 |
| Return on assets (ROA) | 1.1521% | 2,379 |
| Pretax return on assets | 1.2119% | 2,840 |
| Return on Equity (ROE) | 10.7931% | 2,167 |
| Retained earnings to average equity (ytd only) | 6.8722% | 1,725 |
| Net charge-offs to loans | 0.0172% | 3,114 |
| Credit loss provision to net charge-offs | 164.8352% | 1,690 |
| Earnings coverage of net charge-offs (x) | 89.1538% | 799 |
| Efficiency ratio | 67.2200% | 2,675 |
| Assets per employee ($millions) | 4.9235% | 2,588 |
| Cash dividends to net income (ytd only)* | 36.3276% | 2,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9837% | 3,784 |
| Loan loss allowance to noncurrent loans | 861.7021% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 4,284 |
| Noncurrent loans to loans | 0.1142% | 4,216 |
| Net loans and leases to total assets | 79.7353% | 977 |
| Net loans and leases to deposits | 101.6660% | 617 |
| Net loans and leases to core deposits | 124.3724% | 431 |
| Total domestic deposits to total assets | 78.4286% | 4,419 |
| Equity capital to assets | 10.9264% | 2,762 |
| Core capital (leverage) ratio | 10.5690% | 2,955 |
| Tier 1 risk-based capital ratio | 12.5738% | 4,088 |
| Total risk-based capital ratio | 13.3895% | 4,221 |
| Memoranda: |
| Average total assets | $657,058,400 | 1,104 |
| Average earning assets | $616,377,800 | 1,091 |
| Average equity | $70,137,200 | 1,158 |
| Average total loans | $530,035,400 | 987 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1169% | 3,575 |
| Cost of funding earning assets | 0.9219% | 833 |
| Net interest margin | 3.1950% | 4,522 |
| Noninterest income to average assets | 0.7159% | 1,811 |
| Noninterest expense to average assets | 2.5483% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1049% | 2,643 |
| Return on assets (ROA) | 1.1049% | 2,655 |
| Pretax return on assets | 1.1637% | 3,144 |
| Return on Equity (ROE) | 10.4128% | 2,430 |
| Retained earnings to average equity (ytd only) | 6.5960% | 2,340 |
| Net charge-offs to loans | 0.0078% | 3,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 184.4619% | 467 |
| Efficiency ratio | 68.5581% | 2,429 |
| Assets per employee ($millions) | 5.0186% | 2,447 |
| Cash dividends to net income (ytd only)* | 36.6550% | 2,221 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9668% | 3,961 |
| Loan loss allowance to noncurrent loans | 1,365.4354% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,582 |
| Noncurrent loans to loans | 0.0708% | 4,561 |
| Net loans and leases to total assets | 80.0172% | 1,017 |
| Net loans and leases to deposits | 101.5477% | 674 |
| Net loans and leases to core deposits | 121.4962% | 530 |
| Total domestic deposits to total assets | 78.7977% | 4,360 |
| Equity capital to assets | 10.7377% | 2,907 |
| Core capital (leverage) ratio | 10.4657% | 3,118 |
| Tier 1 risk-based capital ratio | 12.3103% | 4,313 |
| Total risk-based capital ratio | 13.1290% | 4,449 |
| Memoranda: |
| Average total assets | $655,155,000 | 1,114 |
| Average earning assets | $614,357,250 | 1,094 |
| Average equity | $69,515,250 | 1,163 |
| Average total loans | $528,733,500 | 988 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0591% | 3,585 |
| Cost of funding earning assets | 0.8884% | 763 |
| Net interest margin | 3.1707% | 4,573 |
| Noninterest income to average assets | 0.6995% | 1,871 |
| Noninterest expense to average assets | 2.5726% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0403% | 2,850 |
| Return on assets (ROA) | 1.0403% | 2,853 |
| Pretax return on assets | 1.0991% | 3,320 |
| Return on Equity (ROE) | 9.8440% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.3210% | 2,402 |
| Net charge-offs to loans | 0.0049% | 2,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 275.9231% | 324 |
| Efficiency ratio | 69.9741% | 2,317 |
| Assets per employee ($millions) | 4.9601% | 2,472 |
| Cash dividends to net income (ytd only)* | 35.7879% | 2,327 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9786% | 3,966 |
| Loan loss allowance to noncurrent loans | 1,269.6822% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,545 |
| Noncurrent loans to loans | 0.0771% | 4,571 |
| Net loans and leases to total assets | 80.2520% | 980 |
| Net loans and leases to deposits | 103.2260% | 573 |
| Net loans and leases to core deposits | 123.8765% | 463 |
| Total domestic deposits to total assets | 77.7439% | 4,627 |
| Equity capital to assets | 10.7065% | 2,924 |
| Core capital (leverage) ratio | 10.3517% | 3,182 |
| Tier 1 risk-based capital ratio | 12.0654% | 4,458 |
| Total risk-based capital ratio | 12.8862% | 4,600 |
| Memoranda: |
| Average total assets | $652,720,000 | 1,121 |
| Average earning assets | $611,856,330 | 1,099 |
| Average equity | $68,976,000 | 1,172 |
| Average total loans | $526,559,000 | 990 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9830% | 3,675 |
| Cost of funding earning assets | 0.8462% | 780 |
| Net interest margin | 3.1368% | 4,627 |
| Noninterest income to average assets | 0.7187% | 1,750 |
| Noninterest expense to average assets | 2.6429% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9532% | 3,063 |
| Return on assets (ROA) | 0.9532% | 3,082 |
| Pretax return on assets | 1.0176% | 3,473 |
| Return on Equity (ROE) | 9.0799% | 2,875 |
| Retained earnings to average equity (ytd only) | 4.3149% | 3,457 |
| Net charge-offs to loans | -0.0153% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0993% | 2,182 |
| Assets per employee ($millions) | 4.9823% | 2,513 |
| Cash dividends to net income (ytd only)* | 52.4791% | 1,463 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9904% | 4,017 |
| Loan loss allowance to noncurrent loans | 603.4642% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 4,374 |
| Noncurrent loans to loans | 0.1641% | 4,244 |
| Net loans and leases to total assets | 80.0445% | 927 |
| Net loans and leases to deposits | 104.8700% | 438 |
| Net loans and leases to core deposits | 124.6884% | 452 |
| Total domestic deposits to total assets | 76.3274% | 4,936 |
| Equity capital to assets | 10.5256% | 3,050 |
| Core capital (leverage) ratio | 10.1299% | 3,383 |
| Tier 1 risk-based capital ratio | 12.0266% | 4,531 |
| Total risk-based capital ratio | 12.8689% | 4,689 |
| Memoranda: |
| Average total assets | $651,713,500 | 1,131 |
| Average earning assets | $611,197,500 | 1,115 |
| Average equity | $68,414,500 | 1,190 |
| Average total loans | $524,524,000 | 1,001 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9367% | 3,620 |
| Cost of funding earning assets | 0.6732% | 1,164 |
| Net interest margin | 3.2635% | 4,277 |
| Noninterest income to average assets | 0.9207% | 1,213 |
| Noninterest expense to average assets | 2.5408% | 3,635 |
| Loan and lease loss provision to assets | 0.3989% | 368 |
| Net operating income to assets | 0.9914% | 2,288 |
| Return on assets (ROA) | 0.9914% | 2,321 |
| Pretax return on assets | 1.0343% | 3,439 |
| Return on Equity (ROE) | 9.2993% | 2,178 |
| Retained earnings to average equity (ytd only) | 5.0485% | 2,091 |
| Net charge-offs to loans | 0.6525% | 332 |
| Credit loss provision to net charge-offs | 76.8049% | 2,994 |
| Earnings coverage of net charge-offs (x) | 2.7594% | 3,708 |
| Efficiency ratio | 63.8426% | 3,625 |
| Assets per employee ($millions) | 5.0446% | 2,424 |
| Cash dividends to net income (ytd only)* | 45.7106% | 2,545 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9985% | 3,966 |
| Loan loss allowance to noncurrent loans | 536.7010% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 4,081 |
| Noncurrent loans to loans | 0.1860% | 4,171 |
| Net loans and leases to total assets | 79.3214% | 1,064 |
| Net loans and leases to deposits | 104.5123% | 471 |
| Net loans and leases to core deposits | 122.2681% | 517 |
| Total domestic deposits to total assets | 75.8967% | 4,986 |
| Equity capital to assets | 10.4696% | 3,195 |
| Core capital (leverage) ratio | 10.2511% | 3,128 |
| Tier 1 risk-based capital ratio | 11.8369% | 4,636 |
| Total risk-based capital ratio | 12.6636% | 4,789 |
| Memoranda: |
| Average total assets | $626,691,000 | 1,151 |
| Average earning assets | $586,332,600 | 1,136 |
| Average equity | $66,811,400 | 1,194 |
| Average total loans | $498,867,400 | 1,027 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9386% | 3,563 |
| Cost of funding earning assets | 0.6474% | 1,256 |
| Net interest margin | 3.2912% | 4,196 |
| Noninterest income to average assets | 0.7884% | 1,627 |
| Noninterest expense to average assets | 2.5900% | 3,438 |
| Loan and lease loss provision to assets | 0.4296% | 307 |
| Net operating income to assets | 0.8152% | 3,462 |
| Return on assets (ROA) | 0.8152% | 3,506 |
| Pretax return on assets | 0.8470% | 4,220 |
| Return on Equity (ROE) | 7.6109% | 3,338 |
| Retained earnings to average equity (ytd only) | 2.8980% | 4,177 |
| Net charge-offs to loans | 0.8204% | 223 |
| Credit loss provision to net charge-offs | 65.8979% | 2,738 |
| Earnings coverage of net charge-offs (x) | 1.9582% | 3,526 |
| Efficiency ratio | 66.8889% | 3,062 |
| Assets per employee ($millions) | 4.9062% | 2,569 |
| Cash dividends to net income (ytd only)* | 61.9237% | 1,264 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9852% | 4,150 |
| Loan loss allowance to noncurrent loans | 83.3503% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.8041% | 767 |
| Noncurrent loans to loans | 1.1820% | 1,629 |
| Net loans and leases to total assets | 78.2249% | 1,236 |
| Net loans and leases to deposits | 100.3712% | 719 |
| Net loans and leases to core deposits | 117.2569% | 696 |
| Total domestic deposits to total assets | 77.9356% | 4,740 |
| Equity capital to assets | 10.5883% | 3,271 |
| Core capital (leverage) ratio | 10.0588% | 3,493 |
| Tier 1 risk-based capital ratio | 11.8006% | 4,769 |
| Total risk-based capital ratio | 12.6256% | 4,922 |
| Memoranda: |
| Average total assets | $620,676,500 | 1,173 |
| Average earning assets | $580,528,500 | 1,156 |
| Average equity | $66,481,500 | 1,204 |
| Average total loans | $493,237,000 | 1,045 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8808% | 3,625 |
| Cost of funding earning assets | 0.6157% | 1,351 |
| Net interest margin | 3.2651% | 4,222 |
| Noninterest income to average assets | 0.7742% | 1,670 |
| Noninterest expense to average assets | 2.6325% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1567% | 1,755 |
| Return on assets (ROA) | 1.1567% | 1,798 |
| Pretax return on assets | 1.2034% | 2,761 |
| Return on Equity (ROE) | 10.7565% | 1,728 |
| Retained earnings to average equity (ytd only) | 6.0811% | 2,068 |
| Net charge-offs to loans | 0.0008% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,855.0000% | 25 |
| Efficiency ratio | 68.5354% | 2,916 |
| Assets per employee ($millions) | 4.8291% | 2,608 |
| Cash dividends to net income (ytd only)* | 43.4661% | 2,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1806% | 3,134 |
| Loan loss allowance to noncurrent loans | 405.9264% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 4,203 |
| Noncurrent loans to loans | 0.2908% | 4,000 |
| Net loans and leases to total assets | 78.8485% | 1,117 |
| Net loans and leases to deposits | 99.1867% | 797 |
| Net loans and leases to core deposits | 114.0911% | 796 |
| Total domestic deposits to total assets | 79.4950% | 4,513 |
| Equity capital to assets | 10.6999% | 3,131 |
| Core capital (leverage) ratio | 10.3017% | 3,142 |
| Tier 1 risk-based capital ratio | 11.9226% | 4,683 |
| Total risk-based capital ratio | 12.9428% | 4,727 |
| Memoranda: |
| Average total assets | $616,600,330 | 1,184 |
| Average earning assets | $578,182,330 | 1,163 |
| Average equity | $66,304,000 | 1,208 |
| Average total loans | $490,977,670 | 1,047 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8285% | 3,659 |
| Cost of funding earning assets | 0.5871% | 1,463 |
| Net interest margin | 3.2415% | 4,211 |
| Noninterest income to average assets | 0.7696% | 1,667 |
| Noninterest expense to average assets | 2.7092% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0693% | 1,992 |
| Return on assets (ROA) | 1.0693% | 2,034 |
| Pretax return on assets | 1.1016% | 2,973 |
| Return on Equity (ROE) | 9.9190% | 1,995 |
| Retained earnings to average equity (ytd only) | 5.3466% | 2,708 |
| Net charge-offs to loans | -0.0017% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9900% | 2,738 |
| Assets per employee ($millions) | 4.6282% | 2,962 |
| Cash dividends to net income (ytd only)* | 46.0971% | 1,812 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2130% | 3,058 |
| Loan loss allowance to noncurrent loans | 491.9967% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 4,435 |
| Noncurrent loans to loans | 0.2465% | 4,221 |
| Net loans and leases to total assets | 78.8964% | 997 |
| Net loans and leases to deposits | 101.1137% | 542 |
| Net loans and leases to core deposits | 115.8130% | 599 |
| Total domestic deposits to total assets | 78.0274% | 4,961 |
| Equity capital to assets | 10.7598% | 2,899 |
| Core capital (leverage) ratio | 10.4382% | 2,973 |
| Tier 1 risk-based capital ratio | 11.8960% | 4,781 |
| Total risk-based capital ratio | 12.9334% | 4,822 |
| Memoranda: |
| Average total assets | $608,594,500 | 1,195 |
| Average earning assets | $570,977,000 | 1,177 |
| Average equity | $65,611,500 | 1,213 |
| Average total loans | $484,084,500 | 1,052 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9611% | 3,340 |
| Cost of funding earning assets | 0.5631% | 1,584 |
| Net interest margin | 3.3980% | 3,832 |
| Noninterest income to average assets | 0.9457% | 1,276 |
| Noninterest expense to average assets | 2.7185% | 3,285 |
| Loan and lease loss provision to assets | 0.0685% | 2,995 |
| Net operating income to assets | 1.2835% | 1,255 |
| Return on assets (ROA) | 1.2924% | 1,305 |
| Pretax return on assets | 1.3502% | 2,103 |
| Return on Equity (ROE) | 11.7577% | 1,330 |
| Retained earnings to average equity (ytd only) | 6.5373% | 1,440 |
| Net charge-offs to loans | 0.0028% | 4,166 |
| Credit loss provision to net charge-offs | 3,076.9231% | 138 |
| Earnings coverage of net charge-offs (x) | 633.0000% | 129 |
| Efficiency ratio | 65.7593% | 3,636 |
| Assets per employee ($millions) | 4.8132% | 2,627 |
| Cash dividends to net income (ytd only)* | 44.4003% | 2,629 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2508% | 2,813 |
| Loan loss allowance to noncurrent loans | 370.4786% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 4,217 |
| Noncurrent loans to loans | 0.3376% | 3,930 |
| Net loans and leases to total assets | 78.2194% | 1,173 |
| Net loans and leases to deposits | 98.6233% | 768 |
| Net loans and leases to core deposits | 112.2434% | 772 |
| Total domestic deposits to total assets | 79.3112% | 4,716 |
| Equity capital to assets | 10.8024% | 2,811 |
| Core capital (leverage) ratio | 10.5216% | 2,857 |
| Tier 1 risk-based capital ratio | 12.0677% | 4,685 |
| Total risk-based capital ratio | 13.1306% | 4,696 |
| Memoranda: |
| Average total assets | $583,820,000 | 1,197 |
| Average earning assets | $546,769,800 | 1,175 |
| Average equity | $64,170,600 | 1,223 |
| Average total loans | $461,755,000 | 1,055 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9868% | 3,272 |
| Cost of funding earning assets | 0.5630% | 1,588 |
| Net interest margin | 3.4239% | 3,759 |
| Noninterest income to average assets | 0.9118% | 1,372 |
| Noninterest expense to average assets | 2.7268% | 3,272 |
| Loan and lease loss provision to assets | 0.0460% | 3,319 |
| Net operating income to assets | 1.2883% | 1,330 |
| Return on assets (ROA) | 1.3002% | 1,391 |
| Pretax return on assets | 1.3564% | 2,211 |
| Return on Equity (ROE) | 11.7769% | 1,395 |
| Retained earnings to average equity (ytd only) | 7.1912% | 1,534 |
| Net charge-offs to loans | -0.0279% | 5,137 |
| Credit loss provision to net charge-offs | -208.3333% | 4,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1412% | 3,566 |
| Assets per employee ($millions) | 4.7663% | 2,661 |
| Cash dividends to net income (ytd only)* | 38.9380% | 2,403 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2421% | 3,004 |
| Loan loss allowance to noncurrent loans | 503.4305% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 4,626 |
| Noncurrent loans to loans | 0.2467% | 4,383 |
| Net loans and leases to total assets | 78.3380% | 1,140 |
| Net loans and leases to deposits | 98.6924% | 799 |
| Net loans and leases to core deposits | 108.9205% | 989 |
| Total domestic deposits to total assets | 79.3760% | 4,642 |
| Equity capital to assets | 11.0314% | 2,974 |
| Core capital (leverage) ratio | 10.4749% | 3,024 |
| Tier 1 risk-based capital ratio | 12.0792% | 4,737 |
| Total risk-based capital ratio | 13.1481% | 4,751 |
| Memoranda: |
| Average total assets | $579,363,750 | 1,211 |
| Average earning assets | $542,338,750 | 1,187 |
| Average equity | $63,965,250 | 1,235 |
| Average total loans | $458,052,750 | 1,062 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9851% | 3,290 |
| Cost of funding earning assets | 0.5647% | 1,579 |
| Net interest margin | 3.4204% | 3,801 |
| Noninterest income to average assets | 0.8402% | 1,584 |
| Noninterest expense to average assets | 2.7779% | 3,098 |
| Loan and lease loss provision to assets | 0.0349% | 3,453 |
| Net operating income to assets | 1.1835% | 1,660 |
| Return on assets (ROA) | 1.1835% | 1,757 |
| Pretax return on assets | 1.2316% | 2,663 |
| Return on Equity (ROE) | 10.7165% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.1408% | 2,043 |
| Net charge-offs to loans | -0.0410% | 5,283 |
| Credit loss provision to net charge-offs | -107.5269% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5911% | 3,227 |
| Assets per employee ($millions) | 4.6930% | 2,731 |
| Cash dividends to net income (ytd only)* | 42.6973% | 2,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2459% | 3,097 |
| Loan loss allowance to noncurrent loans | 519.5495% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,724 |
| Noncurrent loans to loans | 0.2398% | 4,491 |
| Net loans and leases to total assets | 78.5514% | 1,128 |
| Net loans and leases to deposits | 98.7445% | 814 |
| Net loans and leases to core deposits | 111.8018% | 827 |
| Total domestic deposits to total assets | 79.5502% | 4,659 |
| Equity capital to assets | 11.1197% | 2,931 |
| Core capital (leverage) ratio | 10.3410% | 3,146 |
| Tier 1 risk-based capital ratio | 12.1955% | 4,703 |
| Total risk-based capital ratio | 13.3835% | 4,663 |
| Memoranda: |
| Average total assets | $573,888,000 | 1,221 |
| Average earning assets | $537,598,670 | 1,204 |
| Average equity | $63,379,000 | 1,248 |
| Average total loans | $453,203,330 | 1,074 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0076% | 3,202 |
| Cost of funding earning assets | 0.5533% | 1,674 |
| Net interest margin | 3.4542% | 3,648 |
| Noninterest income to average assets | 0.8037% | 1,602 |
| Noninterest expense to average assets | 2.8568% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1455% | 1,725 |
| Return on assets (ROA) | 1.1455% | 1,844 |
| Pretax return on assets | 1.1806% | 2,780 |
| Return on Equity (ROE) | 10.4092% | 1,813 |
| Retained earnings to average equity (ytd only) | 5.9444% | 2,401 |
| Net charge-offs to loans | -0.0812% | 5,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6537% | 3,013 |
| Assets per employee ($millions) | 4.5264% | 3,023 |
| Cash dividends to net income (ytd only)* | 42.8922% | 1,986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2433% | 3,239 |
| Loan loss allowance to noncurrent loans | 494.7598% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 4,763 |
| Noncurrent loans to loans | 0.2513% | 4,533 |
| Net loans and leases to total assets | 78.2764% | 1,066 |
| Net loans and leases to deposits | 101.5277% | 531 |
| Net loans and leases to core deposits | 114.9627% | 634 |
| Total domestic deposits to total assets | 77.0985% | 5,276 |
| Equity capital to assets | 11.0199% | 2,915 |
| Core capital (leverage) ratio | 10.3441% | 3,134 |
| Tier 1 risk-based capital ratio | 12.4067% | 4,649 |
| Total risk-based capital ratio | 13.5141% | 4,646 |
| Memoranda: |
| Average total assets | $569,866,000 | 1,235 |
| Average earning assets | $533,490,500 | 1,213 |
| Average equity | $62,714,000 | 1,252 |
| Average total loans | $448,363,500 | 1,082 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9799% | 3,382 |
| Cost of funding earning assets | 0.5434% | 1,821 |
| Net interest margin | 3.4364% | 3,769 |
| Noninterest income to average assets | 1.0204% | 1,134 |
| Noninterest expense to average assets | 2.8276% | 3,118 |
| Loan and lease loss provision to assets | 0.0549% | 3,216 |
| Net operating income to assets | 1.2847% | 1,303 |
| Return on assets (ROA) | 1.2878% | 1,342 |
| Pretax return on assets | 1.3482% | 2,103 |
| Return on Equity (ROE) | 11.6164% | 1,406 |
| Retained earnings to average equity (ytd only) | 6.4510% | 1,563 |
| Net charge-offs to loans | 0.0305% | 3,611 |
| Credit loss provision to net charge-offs | 229.0076% | 1,244 |
| Earnings coverage of net charge-offs (x) | 58.4046% | 886 |
| Efficiency ratio | 66.7792% | 3,781 |
| Assets per employee ($millions) | 4.4832% | 3,072 |
| Cash dividends to net income (ytd only)* | 44.4665% | 2,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2637% | 3,088 |
| Loan loss allowance to noncurrent loans | 497.2346% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 4,801 |
| Noncurrent loans to loans | 0.2541% | 4,523 |
| Net loans and leases to total assets | 77.0986% | 1,240 |
| Net loans and leases to deposits | 96.7669% | 928 |
| Net loans and leases to core deposits | 108.9675% | 921 |
| Total domestic deposits to total assets | 79.6745% | 4,823 |
| Equity capital to assets | 10.9899% | 2,831 |
| Core capital (leverage) ratio | 10.5249% | 2,903 |
| Tier 1 risk-based capital ratio | 12.4478% | 4,668 |
| Total risk-based capital ratio | 13.5563% | 4,650 |
| Memoranda: |
| Average total assets | $546,573,200 | 1,245 |
| Average earning assets | $510,093,200 | 1,223 |
| Average equity | $60,595,200 | 1,251 |
| Average total loans | $429,034,800 | 1,070 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9982% | 3,354 |
| Cost of funding earning assets | 0.5449% | 1,844 |
| Net interest margin | 3.4533% | 3,738 |
| Noninterest income to average assets | 0.9734% | 1,246 |
| Noninterest expense to average assets | 2.8420% | 3,031 |
| Loan and lease loss provision to assets | 0.0246% | 3,778 |
| Net operating income to assets | 1.2715% | 1,421 |
| Return on assets (ROA) | 1.2757% | 1,464 |
| Pretax return on assets | 1.3336% | 2,268 |
| Return on Equity (ROE) | 11.4813% | 1,535 |
| Retained earnings to average equity (ytd only) | 7.7619% | 1,351 |
| Net charge-offs to loans | 0.0401% | 3,085 |
| Credit loss provision to net charge-offs | 78.1250% | 2,641 |
| Earnings coverage of net charge-offs (x) | 42.9928% | 1,168 |
| Efficiency ratio | 67.6243% | 3,609 |
| Assets per employee ($millions) | 4.3260% | 3,278 |
| Cash dividends to net income (ytd only)* | 32.3949% | 2,693 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2513% | 3,358 |
| Loan loss allowance to noncurrent loans | 357.7512% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 4,664 |
| Noncurrent loans to loans | 0.3498% | 4,359 |
| Net loans and leases to total assets | 77.8465% | 1,125 |
| Net loans and leases to deposits | 96.2197% | 985 |
| Net loans and leases to core deposits | 107.9205% | 985 |
| Total domestic deposits to total assets | 80.9050% | 4,498 |
| Equity capital to assets | 11.3943% | 2,593 |
| Core capital (leverage) ratio | 10.5611% | 2,972 |
| Tier 1 risk-based capital ratio | 12.5622% | 4,712 |
| Total risk-based capital ratio | 13.6542% | 4,730 |
| Memoranda: |
| Average total assets | $541,996,000 | 1,261 |
| Average earning assets | $505,747,000 | 1,246 |
| Average equity | $60,224,000 | 1,270 |
| Average total loans | $426,021,000 | 1,076 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9823% | 3,369 |
| Cost of funding earning assets | 0.5455% | 1,862 |
| Net interest margin | 3.4368% | 3,764 |
| Noninterest income to average assets | 0.9487% | 1,305 |
| Noninterest expense to average assets | 2.8689% | 3,003 |
| Loan and lease loss provision to assets | 0.0370% | 3,381 |
| Net operating income to assets | 1.1963% | 1,613 |
| Return on assets (ROA) | 1.2027% | 1,673 |
| Pretax return on assets | 1.2544% | 2,530 |
| Return on Equity (ROE) | 10.9168% | 1,709 |
| Retained earnings to average equity (ytd only) | 7.7119% | 1,385 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9631% | 3,496 |
| Assets per employee ($millions) | 4.2532% | 3,381 |
| Cash dividends to net income (ytd only)* | 29.3575% | 2,833 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2963% | 3,261 |
| Loan loss allowance to noncurrent loans | 771.0084% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 5,328 |
| Noncurrent loans to loans | 0.1681% | 5,092 |
| Net loans and leases to total assets | 77.6000% | 1,122 |
| Net loans and leases to deposits | 96.9616% | 877 |
| Net loans and leases to core deposits | 106.1559% | 1,066 |
| Total domestic deposits to total assets | 80.0317% | 4,862 |
| Equity capital to assets | 11.2182% | 2,655 |
| Core capital (leverage) ratio | 10.5088% | 2,941 |
| Tier 1 risk-based capital ratio | 13.1498% | 4,426 |
| Total risk-based capital ratio | 14.2996% | 4,406 |
| Memoranda: |
| Average total assets | $540,968,330 | 1,266 |
| Average earning assets | $504,478,000 | 1,251 |
| Average equity | $59,596,000 | 1,288 |
| Average total loans | $424,794,000 | 1,081 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9632% | 3,367 |
| Cost of funding earning assets | 0.5473% | 1,872 |
| Net interest margin | 3.4159% | 3,779 |
| Noninterest income to average assets | 0.8630% | 1,520 |
| Noninterest expense to average assets | 2.9621% | 2,698 |
| Loan and lease loss provision to assets | 0.0739% | 2,465 |
| Net operating income to assets | 0.9809% | 2,339 |
| Return on assets (ROA) | 0.9938% | 2,426 |
| Pretax return on assets | 1.0270% | 3,394 |
| Return on Equity (ROE) | 9.1038% | 2,398 |
| Retained earnings to average equity (ytd only) | 5.8887% | 2,554 |
| Net charge-offs to loans | 0.0056% | 3,128 |
| Credit loss provision to net charge-offs | 1,666.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 245.3333% | 230 |
| Efficiency ratio | 73.0341% | 2,983 |
| Assets per employee ($millions) | 4.3606% | 3,265 |
| Cash dividends to net income (ytd only)* | 35.3160% | 2,188 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3017% | 3,392 |
| Loan loss allowance to noncurrent loans | 879.8400% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 5,451 |
| Noncurrent loans to loans | 0.1479% | 5,245 |
| Net loans and leases to total assets | 77.7374% | 966 |
| Net loans and leases to deposits | 95.5709% | 862 |
| Net loans and leases to core deposits | 105.3301% | 984 |
| Total domestic deposits to total assets | 81.3401% | 4,725 |
| Equity capital to assets | 11.1417% | 2,819 |
| Core capital (leverage) ratio | 10.2663% | 3,258 |
| Tier 1 risk-based capital ratio | 12.6642% | 4,804 |
| Total risk-based capital ratio | 13.8073% | 4,782 |
| Memoranda: |
| Average total assets | $541,374,000 | 1,267 |
| Average earning assets | $505,049,000 | 1,255 |
| Average equity | $59,096,000 | 1,298 |
| Average total loans | $424,857,500 | 1,078 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0566% | 3,497 |
| Cost of funding earning assets | 0.6227% | 1,589 |
| Net interest margin | 3.4338% | 4,050 |
| Noninterest income to average assets | 1.1297% | 951 |
| Noninterest expense to average assets | 2.9065% | 3,132 |
| Loan and lease loss provision to assets | 0.1304% | 2,012 |
| Net operating income to assets | 1.2158% | 1,541 |
| Return on assets (ROA) | 1.2158% | 1,595 |
| Pretax return on assets | 1.2750% | 2,327 |
| Return on Equity (ROE) | 11.2278% | 1,644 |
| Retained earnings to average equity (ytd only) | 7.8588% | 1,071 |
| Net charge-offs to loans | 0.0099% | 4,708 |
| Credit loss provision to net charge-offs | 1,728.2051% | 175 |
| Earnings coverage of net charge-offs (x) | 186.2051% | 287 |
| Efficiency ratio | 67.2935% | 4,014 |
| Assets per employee ($millions) | 4.3023% | 3,361 |
| Cash dividends to net income (ytd only)* | 30.0064% | 3,381 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2650% | 3,623 |
| Loan loss allowance to noncurrent loans | 794.8529% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 5,534 |
| Noncurrent loans to loans | 0.1592% | 5,260 |
| Net loans and leases to total assets | 77.2086% | 1,107 |
| Net loans and leases to deposits | 99.4897% | 657 |
| Net loans and leases to core deposits | 109.7210% | 788 |
| Total domestic deposits to total assets | 77.6047% | 5,505 |
| Equity capital to assets | 10.6943% | 3,247 |
| Core capital (leverage) ratio | 10.0895% | 3,449 |
| Tier 1 risk-based capital ratio | 12.1788% | 5,245 |
| Total risk-based capital ratio | 13.2969% | 5,239 |
| Memoranda: |
| Average total assets | $516,701,000 | 1,301 |
| Average earning assets | $478,851,400 | 1,276 |
| Average equity | $55,950,200 | 1,306 |
| Average total loans | $392,065,000 | 1,125 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0551% | 3,536 |
| Cost of funding earning assets | 0.6374% | 1,543 |
| Net interest margin | 3.4177% | 4,159 |
| Noninterest income to average assets | 1.1477% | 907 |
| Noninterest expense to average assets | 2.9353% | 3,007 |
| Loan and lease loss provision to assets | 0.1110% | 2,191 |
| Net operating income to assets | 1.2072% | 1,659 |
| Return on assets (ROA) | 1.2072% | 1,723 |
| Pretax return on assets | 1.2656% | 2,515 |
| Return on Equity (ROE) | 11.1113% | 1,751 |
| Retained earnings to average equity (ytd only) | 7.8582% | 1,424 |
| Net charge-offs to loans | -0.0021% | 5,191 |
| Credit loss provision to net charge-offs | -7,066.6667% | 6,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9599% | 3,863 |
| Assets per employee ($millions) | 4.1153% | 3,634 |
| Cash dividends to net income (ytd only)* | 29.2779% | 2,837 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2959% | 3,667 |
| Loan loss allowance to noncurrent loans | 493.3586% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 5,322 |
| Noncurrent loans to loans | 0.2627% | 5,122 |
| Net loans and leases to total assets | 75.7811% | 1,248 |
| Net loans and leases to deposits | 97.5669% | 763 |
| Net loans and leases to core deposits | 103.3532% | 1,129 |
| Total domestic deposits to total assets | 77.6709% | 5,586 |
| Equity capital to assets | 10.9928% | 2,963 |
| Core capital (leverage) ratio | 10.2371% | 3,362 |
| Tier 1 risk-based capital ratio | 12.6952% | 5,043 |
| Total risk-based capital ratio | 13.8271% | 5,057 |
| Memoranda: |
| Average total assets | $509,277,500 | 1,329 |
| Average earning assets | $471,490,250 | 1,306 |
| Average equity | $55,329,500 | 1,324 |
| Average total loans | $383,264,000 | 1,161 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0356% | 3,599 |
| Cost of funding earning assets | 0.6509% | 1,506 |
| Net interest margin | 3.3847% | 4,240 |
| Noninterest income to average assets | 1.0257% | 1,132 |
| Noninterest expense to average assets | 2.9737% | 2,925 |
| Loan and lease loss provision to assets | 0.1189% | 2,064 |
| Net operating income to assets | 1.0182% | 2,253 |
| Return on assets (ROA) | 1.0182% | 2,321 |
| Pretax return on assets | 1.0665% | 3,219 |
| Return on Equity (ROE) | 9.4102% | 2,412 |
| Retained earnings to average equity (ytd only) | 6.1148% | 2,252 |
| Net charge-offs to loans | 0.0074% | 4,131 |
| Credit loss provision to net charge-offs | 2,142.8571% | 169 |
| Earnings coverage of net charge-offs (x) | 213.7143% | 315 |
| Efficiency ratio | 71.3850% | 3,449 |
| Assets per employee ($millions) | 3.9009% | 4,059 |
| Cash dividends to net income (ytd only)* | 35.0195% | 2,605 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3074% | 3,816 |
| Loan loss allowance to noncurrent loans | 743.5294% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 5,685 |
| Noncurrent loans to loans | 0.1758% | 5,487 |
| Net loans and leases to total assets | 74.6888% | 1,353 |
| Net loans and leases to deposits | 93.2014% | 1,032 |
| Net loans and leases to core deposits | 98.0144% | 1,440 |
| Total domestic deposits to total assets | 80.1370% | 5,205 |
| Equity capital to assets | 10.9562% | 2,920 |
| Core capital (leverage) ratio | 10.2007% | 3,339 |
| Tier 1 risk-based capital ratio | 12.7321% | 5,069 |
| Total risk-based capital ratio | 13.8479% | 5,093 |
| Memoranda: |
| Average total assets | $504,823,000 | 1,332 |
| Average earning assets | $467,341,330 | 1,314 |
| Average equity | $54,621,670 | 1,330 |
| Average total loans | $377,264,330 | 1,171 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0409% | 3,519 |
| Cost of funding earning assets | 0.6624% | 1,495 |
| Net interest margin | 3.3785% | 4,226 |
| Noninterest income to average assets | 0.9567% | 1,241 |
| Noninterest expense to average assets | 3.0279% | 2,777 |
| Loan and lease loss provision to assets | 0.1196% | 1,995 |
| Net operating income to assets | 0.8937% | 2,685 |
| Return on assets (ROA) | 0.8937% | 2,745 |
| Pretax return on assets | 0.9360% | 3,572 |
| Return on Equity (ROE) | 8.3132% | 2,787 |
| Retained earnings to average equity (ytd only) | 4.9760% | 3,120 |
| Net charge-offs to loans | -0.0161% | 5,241 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0336% | 3,137 |
| Assets per employee ($millions) | 4.0220% | 3,910 |
| Cash dividends to net income (ytd only)* | 40.1427% | 1,989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3141% | 4,049 |
| Loan loss allowance to noncurrent loans | 2,045.4167% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 6,136 |
| Noncurrent loans to loans | 0.0642% | 5,956 |
| Net loans and leases to total assets | 73.3287% | 1,380 |
| Net loans and leases to deposits | 88.3697% | 1,318 |
| Net loans and leases to core deposits | 92.8385% | 1,652 |
| Total domestic deposits to total assets | 82.9794% | 4,609 |
| Equity capital to assets | 10.8497% | 2,880 |
| Core capital (leverage) ratio | 10.0170% | 3,554 |
| Tier 1 risk-based capital ratio | 12.7465% | 5,165 |
| Total risk-based capital ratio | 13.8603% | 5,187 |
| Memoranda: |
| Average total assets | $501,727,000 | 1,347 |
| Average earning assets | $464,352,000 | 1,329 |
| Average equity | $53,938,500 | 1,343 |
| Average total loans | $372,533,000 | 1,187 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0866% | 3,791 |
| Cost of funding earning assets | 0.7795% | 1,324 |
| Net interest margin | 3.3071% | 4,639 |
| Noninterest income to average assets | 1.2555% | 882 |
| Noninterest expense to average assets | 2.9995% | 3,058 |
| Loan and lease loss provision to assets | 0.0809% | 3,494 |
| Net operating income to assets | 1.1721% | 1,680 |
| Return on assets (ROA) | 1.1813% | 1,701 |
| Pretax return on assets | 1.2312% | 2,451 |
| Return on Equity (ROE) | 11.0002% | 1,768 |
| Retained earnings to average equity (ytd only) | 6.7851% | 1,534 |
| Net charge-offs to loans | 0.0248% | 4,927 |
| Credit loss provision to net charge-offs | 459.7701% | 498 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 581 |
| Efficiency ratio | 69.6030% | 3,903 |
| Assets per employee ($millions) | 3.9738% | 3,914 |
| Cash dividends to net income (ytd only)* | 38.3179% | 2,893 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2770% | 4,260 |
| Loan loss allowance to noncurrent loans | 1,022.4138% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 6,063 |
| Noncurrent loans to loans | 0.1249% | 5,826 |
| Net loans and leases to total assets | 73.2475% | 1,484 |
| Net loans and leases to deposits | 92.8009% | 979 |
| Net loans and leases to core deposits | 96.7260% | 1,403 |
| Total domestic deposits to total assets | 78.9297% | 5,665 |
| Equity capital to assets | 10.6510% | 2,977 |
| Core capital (leverage) ratio | 10.0206% | 3,532 |
| Tier 1 risk-based capital ratio | 12.3266% | 5,411 |
| Total risk-based capital ratio | 13.3982% | 5,461 |
| Memoranda: |
| Average total assets | $494,214,200 | 1,344 |
| Average earning assets | $455,293,800 | 1,335 |
| Average equity | $53,072,000 | 1,337 |
| Average total loans | $350,291,000 | 1,220 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0850% | 3,826 |
| Cost of funding earning assets | 0.8055% | 1,290 |
| Net interest margin | 3.2795% | 4,719 |
| Noninterest income to average assets | 1.3233% | 845 |
| Noninterest expense to average assets | 3.0120% | 2,953 |
| Loan and lease loss provision to assets | 0.0406% | 4,195 |
| Net operating income to assets | 1.2362% | 1,516 |
| Return on assets (ROA) | 1.2362% | 1,594 |
| Pretax return on assets | 1.2860% | 2,381 |
| Return on Equity (ROE) | 11.4874% | 1,660 |
| Retained earnings to average equity (ytd only) | 7.8729% | 1,468 |
| Net charge-offs to loans | 0.0062% | 5,053 |
| Credit loss provision to net charge-offs | 937.5000% | 327 |
| Earnings coverage of net charge-offs (x) | 306.3526% | 193 |
| Efficiency ratio | 69.3056% | 3,871 |
| Assets per employee ($millions) | 4.0193% | 3,792 |
| Cash dividends to net income (ytd only)* | 31.4648% | 2,629 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3140% | 4,315 |
| Loan loss allowance to noncurrent loans | 1,113.4146% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 6,185 |
| Noncurrent loans to loans | 0.1180% | 5,972 |
| Net loans and leases to total assets | 69.9184% | 1,986 |
| Net loans and leases to deposits | 85.6286% | 1,657 |
| Net loans and leases to core deposits | 88.3726% | 2,146 |
| Total domestic deposits to total assets | 81.6531% | 5,043 |
| Equity capital to assets | 10.8900% | 2,871 |
| Core capital (leverage) ratio | 9.9377% | 3,759 |
| Tier 1 risk-based capital ratio | 12.6858% | 5,337 |
| Total risk-based capital ratio | 13.7596% | 5,396 |
| Memoranda: |
| Average total assets | $492,591,750 | 1,356 |
| Average earning assets | $452,899,750 | 1,352 |
| Average equity | $53,007,500 | 1,351 |
| Average total loans | $344,989,500 | 1,234 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0666% | 3,854 |
| Cost of funding earning assets | 0.8228% | 1,294 |
| Net interest margin | 3.2438% | 4,793 |
| Noninterest income to average assets | 1.2742% | 949 |
| Noninterest expense to average assets | 3.0028% | 2,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2142% | 1,555 |
| Return on assets (ROA) | 1.2142% | 1,659 |
| Pretax return on assets | 1.2584% | 2,456 |
| Return on Equity (ROE) | 11.3282% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.7841% | 1,570 |
| Net charge-offs to loans | -0.0058% | 5,658 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3549% | 3,757 |
| Assets per employee ($millions) | 3.8799% | 4,048 |
| Cash dividends to net income (ytd only)* | 31.2855% | 2,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2975% | 4,523 |
| Loan loss allowance to noncurrent loans | 1,265.2422% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 6,288 |
| Noncurrent loans to loans | 0.1025% | 6,090 |
| Net loans and leases to total assets | 68.5630% | 2,137 |
| Net loans and leases to deposits | 83.0885% | 1,916 |
| Net loans and leases to core deposits | 85.4371% | 2,391 |
| Total domestic deposits to total assets | 82.5180% | 4,876 |
| Equity capital to assets | 10.5668% | 3,214 |
| Core capital (leverage) ratio | 9.6648% | 3,993 |
| Tier 1 risk-based capital ratio | 12.4341% | 5,546 |
| Total risk-based capital ratio | 13.4801% | 5,603 |
| Memoranda: |
| Average total assets | $493,339,000 | 1,351 |
| Average earning assets | $454,284,330 | 1,344 |
| Average equity | $52,877,000 | 1,358 |
| Average total loans | $344,182,670 | 1,227 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1339% | 3,581 |
| Cost of funding earning assets | 0.8308% | 1,361 |
| Net interest margin | 3.3031% | 4,508 |
| Noninterest income to average assets | 1.2560% | 971 |
| Noninterest expense to average assets | 3.0978% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1628% | 1,630 |
| Return on assets (ROA) | 1.1628% | 1,738 |
| Pretax return on assets | 1.1895% | 2,615 |
| Return on Equity (ROE) | 10.7729% | 1,768 |
| Retained earnings to average equity (ytd only) | 7.4922% | 1,944 |
| Net charge-offs to loans | -0.0336% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1414% | 3,587 |
| Assets per employee ($millions) | 4.0176% | 3,910 |
| Cash dividends to net income (ytd only)* | 30.4530% | 2,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3119% | 4,636 |
| Loan loss allowance to noncurrent loans | 877.9528% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 6,229 |
| Noncurrent loans to loans | 0.1494% | 6,021 |
| Net loans and leases to total assets | 67.8909% | 2,035 |
| Net loans and leases to deposits | 83.3319% | 1,659 |
| Net loans and leases to core deposits | 86.0065% | 2,105 |
| Total domestic deposits to total assets | 81.4705% | 5,372 |
| Equity capital to assets | 10.8493% | 3,145 |
| Core capital (leverage) ratio | 9.6024% | 3,923 |
| Tier 1 risk-based capital ratio | 12.0650% | 5,875 |
| Total risk-based capital ratio | 13.0903% | 5,980 |
| Memoranda: |
| Average total assets | $493,638,000 | 1,367 |
| Average earning assets | $453,035,500 | 1,358 |
| Average equity | $53,282,000 | 1,361 |
| Average total loans | $345,134,500 | 1,230 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4681% | 3,532 |
| Cost of funding earning assets | 0.9596% | 1,589 |
| Net interest margin | 3.5085% | 4,467 |
| Noninterest income to average assets | 1.3882% | 809 |
| Noninterest expense to average assets | 3.0217% | 3,195 |
| Loan and lease loss provision to assets | 0.2089% | 3,056 |
| Net operating income to assets | 1.2988% | 1,301 |
| Return on assets (ROA) | 1.2988% | 1,450 |
| Pretax return on assets | 1.3684% | 2,150 |
| Return on Equity (ROE) | 12.1446% | 1,469 |
| Retained earnings to average equity (ytd only) | 7.0176% | 1,562 |
| Net charge-offs to loans | 0.0431% | 5,310 |
| Credit loss provision to net charge-offs | 689.6552% | 358 |
| Earnings coverage of net charge-offs (x) | 52.0759% | 662 |
| Efficiency ratio | 65.6039% | 4,582 |
| Assets per employee ($millions) | 4.0753% | 3,798 |
| Cash dividends to net income (ytd only)* | 42.2161% | 2,735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2649% | 4,804 |
| Loan loss allowance to noncurrent loans | 997.9730% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 6,244 |
| Noncurrent loans to loans | 0.1267% | 6,165 |
| Net loans and leases to total assets | 70.1435% | 1,818 |
| Net loans and leases to deposits | 85.3608% | 1,601 |
| Net loans and leases to core deposits | 88.1487% | 2,072 |
| Total domestic deposits to total assets | 82.1729% | 5,035 |
| Equity capital to assets | 10.7380% | 3,234 |
| Core capital (leverage) ratio | 9.3747% | 4,287 |
| Tier 1 risk-based capital ratio | 11.6382% | 6,011 |
| Total risk-based capital ratio | 12.6515% | 6,132 |
| Memoranda: |
| Average total assets | $478,741,800 | 1,385 |
| Average earning assets | $438,104,200 | 1,374 |
| Average equity | $51,199,800 | 1,386 |
| Average total loans | $336,166,400 | 1,251 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5123% | 3,589 |
| Cost of funding earning assets | 0.9769% | 1,697 |
| Net interest margin | 3.5355% | 4,503 |
| Noninterest income to average assets | 1.3489% | 817 |
| Noninterest expense to average assets | 3.0190% | 3,173 |
| Loan and lease loss provision to assets | 0.2105% | 2,966 |
| Net operating income to assets | 1.2894% | 1,470 |
| Return on assets (ROA) | 1.2894% | 1,613 |
| Pretax return on assets | 1.3601% | 2,375 |
| Return on Equity (ROE) | 12.0690% | 1,610 |
| Retained earnings to average equity (ytd only) | 7.3412% | 1,924 |
| Net charge-offs to loans | 0.0497% | 4,960 |
| Credit loss provision to net charge-offs | 604.8387% | 440 |
| Earnings coverage of net charge-offs (x) | 45.1369% | 809 |
| Efficiency ratio | 65.6823% | 4,507 |
| Assets per employee ($millions) | 3.9466% | 3,983 |
| Cash dividends to net income (ytd only)* | 39.1730% | 2,218 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2531% | 5,032 |
| Loan loss allowance to noncurrent loans | 1,506.0932% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 6,182 |
| Noncurrent loans to loans | 0.0832% | 6,407 |
| Net loans and leases to total assets | 69.3391% | 2,046 |
| Net loans and leases to deposits | 85.7827% | 1,626 |
| Net loans and leases to core deposits | 88.6640% | 2,141 |
| Total domestic deposits to total assets | 80.8311% | 5,415 |
| Equity capital to assets | 11.0106% | 3,265 |
| Core capital (leverage) ratio | 9.3597% | 4,489 |
| Tier 1 risk-based capital ratio | 11.8596% | 6,020 |
| Total risk-based capital ratio | 12.8610% | 6,135 |
| Memoranda: |
| Average total assets | $475,150,250 | 1,410 |
| Average earning assets | $435,537,750 | 1,406 |
| Average equity | $50,762,250 | 1,405 |
| Average total loans | $332,629,500 | 1,277 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5333% | 3,632 |
| Cost of funding earning assets | 0.9967% | 1,782 |
| Net interest margin | 3.5366% | 4,518 |
| Noninterest income to average assets | 1.2172% | 966 |
| Noninterest expense to average assets | 3.0007% | 3,251 |
| Loan and lease loss provision to assets | 0.1476% | 3,671 |
| Net operating income to assets | 1.2387% | 1,587 |
| Return on assets (ROA) | 1.2387% | 1,771 |
| Pretax return on assets | 1.3108% | 2,520 |
| Return on Equity (ROE) | 11.7154% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.1297% | 2,034 |
| Net charge-offs to loans | 0.0928% | 4,226 |
| Credit loss provision to net charge-offs | 227.2727% | 1,252 |
| Earnings coverage of net charge-offs (x) | 22.4610% | 1,299 |
| Efficiency ratio | 67.1993% | 4,292 |
| Assets per employee ($millions) | 3.8659% | 4,153 |
| Cash dividends to net income (ytd only)* | 39.1423% | 2,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1389% | 5,607 |
| Loan loss allowance to noncurrent loans | 972.1649% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 6,119 |
| Noncurrent loans to loans | 0.1172% | 6,368 |
| Net loans and leases to total assets | 68.3018% | 2,235 |
| Net loans and leases to deposits | 84.3661% | 1,806 |
| Net loans and leases to core deposits | 87.1181% | 2,302 |
| Total domestic deposits to total assets | 80.9588% | 5,479 |
| Equity capital to assets | 10.6878% | 3,470 |
| Core capital (leverage) ratio | 9.1017% | 4,763 |
| Tier 1 risk-based capital ratio | 11.8094% | 6,050 |
| Total risk-based capital ratio | 12.7125% | 6,215 |
| Memoranda: |
| Average total assets | $474,353,670 | 1,414 |
| Average earning assets | $434,822,000 | 1,405 |
| Average equity | $50,156,330 | 1,414 |
| Average total loans | $331,731,330 | 1,281 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6089% | 3,460 |
| Cost of funding earning assets | 1.0289% | 1,821 |
| Net interest margin | 3.5800% | 4,349 |
| Noninterest income to average assets | 1.1122% | 1,144 |
| Noninterest expense to average assets | 3.0875% | 2,961 |
| Loan and lease loss provision to assets | 0.0848% | 4,322 |
| Net operating income to assets | 1.1351% | 1,940 |
| Return on assets (ROA) | 1.1351% | 2,125 |
| Pretax return on assets | 1.2140% | 2,864 |
| Return on Equity (ROE) | 10.7947% | 2,106 |
| Retained earnings to average equity (ytd only) | 6.7638% | 2,544 |
| Net charge-offs to loans | -0.0627% | 6,622 |
| Credit loss provision to net charge-offs | -192.3077% | 5,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3324% | 3,754 |
| Assets per employee ($millions) | 4.0618% | 3,884 |
| Cash dividends to net income (ytd only)* | 37.3413% | 1,846 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1292% | 5,806 |
| Loan loss allowance to noncurrent loans | 115.2396% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 4,447 |
| Noncurrent loans to loans | 0.9799% | 4,715 |
| Net loans and leases to total assets | 68.1036% | 2,096 |
| Net loans and leases to deposits | 83.6285% | 1,712 |
| Net loans and leases to core deposits | 86.4537% | 2,237 |
| Total domestic deposits to total assets | 81.4358% | 5,485 |
| Equity capital to assets | 10.4352% | 3,573 |
| Core capital (leverage) ratio | 9.2004% | 4,515 |
| Tier 1 risk-based capital ratio | 11.7155% | 6,147 |
| Total risk-based capital ratio | 12.6194% | 6,331 |
| Memoranda: |
| Average total assets | $471,842,000 | 1,419 |
| Average earning assets | $431,511,500 | 1,418 |
| Average equity | $49,617,000 | 1,423 |
| Average total loans | $331,999,500 | 1,282 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8066% | 3,779 |
| Cost of funding earning assets | 1.2620% | 1,669 |
| Net interest margin | 3.5446% | 4,965 |
| Noninterest income to average assets | 1.1279% | 1,033 |
| Noninterest expense to average assets | 3.0575% | 3,362 |
| Loan and lease loss provision to assets | 0.3111% | 3,181 |
| Net operating income to assets | 0.9711% | 2,319 |
| Return on assets (ROA) | 1.0328% | 2,228 |
| Pretax return on assets | 1.0721% | 2,945 |
| Return on Equity (ROE) | 9.9033% | 2,091 |
| Retained earnings to average equity (ytd only) | 5.4822% | 2,310 |
| Net charge-offs to loans | 0.5003% | 2,991 |
| Credit loss provision to net charge-offs | 87.3362% | 4,136 |
| Earnings coverage of net charge-offs (x) | 3.7031% | 3,419 |
| Efficiency ratio | 69.8213% | 3,999 |
| Assets per employee ($millions) | 3.9025% | 4,066 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,340 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0711% | 5,921 |
| Loan loss allowance to noncurrent loans | 115.0579% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 4,539 |
| Noncurrent loans to loans | 0.9309% | 4,837 |
| Net loans and leases to total assets | 71.1209% | 1,802 |
| Net loans and leases to deposits | 87.8793% | 1,394 |
| Net loans and leases to core deposits | 90.4203% | 2,066 |
| Total domestic deposits to total assets | 80.9302% | 5,471 |
| Equity capital to assets | 10.5985% | 3,417 |
| Core capital (leverage) ratio | 9.2030% | 4,461 |
| Tier 1 risk-based capital ratio | 11.6224% | 6,070 |
| Total risk-based capital ratio | 12.5005% | 6,291 |
| Memoranda: |
| Average total assets | $450,045,600 | 1,456 |
| Average earning assets | $412,455,600 | 1,449 |
| Average equity | $46,933,800 | 1,450 |
| Average total loans | $320,407,600 | 1,323 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8450% | 3,809 |
| Cost of funding earning assets | 1.3162% | 1,613 |
| Net interest margin | 3.5289% | 5,063 |
| Noninterest income to average assets | 1.1211% | 1,055 |
| Noninterest expense to average assets | 3.0219% | 3,478 |
| Loan and lease loss provision to assets | 0.2986% | 3,141 |
| Net operating income to assets | 1.0004% | 2,322 |
| Return on assets (ROA) | 1.0282% | 2,382 |
| Pretax return on assets | 1.0641% | 3,154 |
| Return on Equity (ROE) | 9.9014% | 2,234 |
| Retained earnings to average equity (ytd only) | 6.0910% | 2,506 |
| Net charge-offs to loans | 0.3961% | 3,131 |
| Credit loss provision to net charge-offs | 106.1571% | 3,120 |
| Earnings coverage of net charge-offs (x) | 4.7420% | 2,977 |
| Efficiency ratio | 69.3336% | 4,069 |
| Assets per employee ($millions) | 3.8411% | 4,210 |
| Cash dividends to net income (ytd only)* | 38.4838% | 2,094 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1977% | 5,477 |
| Loan loss allowance to noncurrent loans | 99.6106% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 4,131 |
| Noncurrent loans to loans | 1.2023% | 4,534 |
| Net loans and leases to total assets | 70.4334% | 1,994 |
| Net loans and leases to deposits | 88.3022% | 1,396 |
| Net loans and leases to core deposits | 90.8370% | 2,143 |
| Total domestic deposits to total assets | 79.7640% | 5,807 |
| Equity capital to assets | 10.9378% | 3,203 |
| Core capital (leverage) ratio | 9.3720% | 4,345 |
| Tier 1 risk-based capital ratio | 11.8687% | 5,986 |
| Total risk-based capital ratio | 12.8705% | 6,150 |
| Memoranda: |
| Average total assets | $446,458,250 | 1,479 |
| Average earning assets | $409,261,500 | 1,470 |
| Average equity | $46,362,500 | 1,470 |
| Average total loans | $317,045,000 | 1,356 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8318% | 3,944 |
| Cost of funding earning assets | 1.3453% | 1,674 |
| Net interest margin | 3.4865% | 5,221 |
| Noninterest income to average assets | 1.0524% | 1,186 |
| Noninterest expense to average assets | 3.0507% | 3,428 |
| Loan and lease loss provision to assets | 0.2245% | 3,665 |
| Net operating income to assets | 0.9613% | 2,386 |
| Return on assets (ROA) | 0.9630% | 2,482 |
| Pretax return on assets | 0.9927% | 3,266 |
| Return on Equity (ROE) | 9.4428% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.5909% | 2,646 |
| Net charge-offs to loans | 0.2083% | 3,900 |
| Credit loss provision to net charge-offs | 151.9757% | 2,013 |
| Earnings coverage of net charge-offs (x) | 8.2280% | 2,094 |
| Efficiency ratio | 71.4692% | 3,829 |
| Assets per employee ($millions) | 3.6522% | 4,559 |
| Cash dividends to net income (ytd only)* | 40.7925% | 2,040 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2639% | 5,237 |
| Loan loss allowance to noncurrent loans | 402.2403% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 5,309 |
| Noncurrent loans to loans | 0.3142% | 6,289 |
| Net loans and leases to total assets | 70.4089% | 2,132 |
| Net loans and leases to deposits | 86.6048% | 1,701 |
| Net loans and leases to core deposits | 90.3903% | 2,320 |
| Total domestic deposits to total assets | 81.2991% | 5,425 |
| Equity capital to assets | 10.7537% | 3,222 |
| Core capital (leverage) ratio | 9.1821% | 4,439 |
| Tier 1 risk-based capital ratio | 11.6879% | 6,022 |
| Total risk-based capital ratio | 12.6899% | 6,206 |
| Memoranda: |
| Average total assets | $445,473,330 | 1,494 |
| Average earning assets | $410,614,330 | 1,475 |
| Average equity | $45,431,330 | 1,485 |
| Average total loans | $315,935,330 | 1,366 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7645% | 4,231 |
| Cost of funding earning assets | 1.3587% | 1,835 |
| Net interest margin | 3.4058% | 5,410 |
| Noninterest income to average assets | 1.0537% | 1,185 |
| Noninterest expense to average assets | 3.0605% | 3,419 |
| Loan and lease loss provision to assets | 0.2227% | 3,433 |
| Net operating income to assets | 0.8970% | 2,577 |
| Return on assets (ROA) | 0.8970% | 2,637 |
| Pretax return on assets | 0.9121% | 3,455 |
| Return on Equity (ROE) | 9.0350% | 2,461 |
| Retained earnings to average equity (ytd only) | 5.6704% | 2,813 |
| Net charge-offs to loans | 0.3312% | 2,730 |
| Credit loss provision to net charge-offs | 95.0570% | 2,846 |
| Earnings coverage of net charge-offs (x) | 4.8441% | 2,386 |
| Efficiency ratio | 72.9087% | 3,699 |
| Assets per employee ($millions) | 3.8496% | 4,187 |
| Cash dividends to net income (ytd only)* | 37.2393% | 1,819 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2070% | 5,598 |
| Loan loss allowance to noncurrent loans | 321.8803% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 5,139 |
| Noncurrent loans to loans | 0.3750% | 6,249 |
| Net loans and leases to total assets | 68.4363% | 2,468 |
| Net loans and leases to deposits | 83.3569% | 2,125 |
| Net loans and leases to core deposits | 87.3697% | 2,688 |
| Total domestic deposits to total assets | 82.1004% | 5,271 |
| Equity capital to assets | 10.0149% | 3,755 |
| Core capital (leverage) ratio | 8.9907% | 4,627 |
| Tier 1 risk-based capital ratio | 11.2915% | 6,263 |
| Total risk-based capital ratio | 12.1847% | 6,531 |
| Memoranda: |
| Average total assets | $449,076,500 | 1,495 |
| Average earning assets | $414,228,500 | 1,477 |
| Average equity | $44,582,000 | 1,500 |
| Average total loans | $317,638,500 | 1,374 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0208% | 4,450 |
| Cost of funding earning assets | 1.5458% | 2,370 |
| Net interest margin | 3.4749% | 5,343 |
| Noninterest income to average assets | 1.2452% | 962 |
| Noninterest expense to average assets | 3.0758% | 3,563 |
| Loan and lease loss provision to assets | 0.3878% | 3,787 |
| Net operating income to assets | 0.9415% | 2,236 |
| Return on assets (ROA) | 0.9774% | 2,229 |
| Pretax return on assets | 1.0146% | 2,882 |
| Return on Equity (ROE) | 10.0740% | 1,898 |
| Retained earnings to average equity (ytd only) | 8.2872% | 890 |
| Net charge-offs to loans | 0.4346% | 3,884 |
| Credit loss provision to net charge-offs | 120.9104% | 3,484 |
| Earnings coverage of net charge-offs (x) | 4.2560% | 2,999 |
| Efficiency ratio | 69.2213% | 4,337 |
| Assets per employee ($millions) | 3.7945% | 4,276 |
| Cash dividends to net income (ytd only)* | 17.7363% | 3,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1690% | 5,646 |
| Loan loss allowance to noncurrent loans | 231.8405% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0450% | 4,914 |
| Noncurrent loans to loans | 0.5042% | 6,028 |
| Net loans and leases to total assets | 71.3552% | 2,225 |
| Net loans and leases to deposits | 86.8916% | 1,957 |
| Net loans and leases to core deposits | 91.6219% | 2,543 |
| Total domestic deposits to total assets | 82.1198% | 5,154 |
| Equity capital to assets | 9.8395% | 3,955 |
| Core capital (leverage) ratio | 8.8568% | 4,767 |
| Tier 1 risk-based capital ratio | 10.7694% | 6,514 |
| Total risk-based capital ratio | 11.6966% | 6,709 |
| Memoranda: |
| Average total assets | $438,386,400 | 1,522 |
| Average earning assets | $403,146,600 | 1,509 |
| Average equity | $42,535,400 | 1,561 |
| Average total loans | $323,547,200 | 1,385 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0684% | 4,488 |
| Cost of funding earning assets | 1.5819% | 2,494 |
| Net interest margin | 3.4865% | 5,353 |
| Noninterest income to average assets | 1.1561% | 1,048 |
| Noninterest expense to average assets | 2.9874% | 3,796 |
| Loan and lease loss provision to assets | 0.3975% | 3,522 |
| Net operating income to assets | 0.9388% | 2,459 |
| Return on assets (ROA) | 0.9705% | 2,451 |
| Pretax return on assets | 1.0051% | 3,164 |
| Return on Equity (ROE) | 10.0388% | 2,106 |
| Retained earnings to average equity (ytd only) | 7.6351% | 1,544 |
| Net charge-offs to loans | 0.4342% | 3,558 |
| Credit loss provision to net charge-offs | 123.3397% | 3,326 |
| Earnings coverage of net charge-offs (x) | 4.2505% | 3,135 |
| Efficiency ratio | 68.5193% | 4,370 |
| Assets per employee ($millions) | 3.8372% | 4,175 |
| Cash dividends to net income (ytd only)* | 23.9446% | 2,795 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1581% | 5,673 |
| Loan loss allowance to noncurrent loans | 237.9464% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 4,853 |
| Noncurrent loans to loans | 0.4867% | 6,221 |
| Net loans and leases to total assets | 72.1599% | 2,219 |
| Net loans and leases to deposits | 89.2182% | 1,834 |
| Net loans and leases to core deposits | 94.3857% | 2,474 |
| Total domestic deposits to total assets | 80.8802% | 5,421 |
| Equity capital to assets | 10.1734% | 3,917 |
| Core capital (leverage) ratio | 8.8151% | 4,977 |
| Tier 1 risk-based capital ratio | 10.7567% | 6,581 |
| Total risk-based capital ratio | 11.7155% | 6,790 |
| Memoranda: |
| Average total assets | $436,046,500 | 1,556 |
| Average earning assets | $400,350,250 | 1,536 |
| Average equity | $42,155,250 | 1,572 |
| Average total loans | $323,616,750 | 1,403 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0600% | 4,656 |
| Cost of funding earning assets | 1.5923% | 2,702 |
| Net interest margin | 3.4677% | 5,374 |
| Noninterest income to average assets | 1.0113% | 1,348 |
| Noninterest expense to average assets | 3.0016% | 3,703 |
| Loan and lease loss provision to assets | 0.4375% | 3,126 |
| Net operating income to assets | 0.7439% | 3,222 |
| Return on assets (ROA) | 0.7783% | 3,219 |
| Pretax return on assets | 0.7999% | 3,881 |
| Return on Equity (ROE) | 8.1954% | 2,811 |
| Retained earnings to average equity (ytd only) | 5.8435% | 2,424 |
| Net charge-offs to loans | 0.3530% | 3,585 |
| Credit loss provision to net charge-offs | 166.0839% | 2,373 |
| Earnings coverage of net charge-offs (x) | 4.5629% | 2,915 |
| Efficiency ratio | 71.3628% | 3,925 |
| Assets per employee ($millions) | 3.8372% | 4,135 |
| Cash dividends to net income (ytd only)* | 28.6982% | 2,558 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1894% | 5,511 |
| Loan loss allowance to noncurrent loans | 140.1161% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2983% | 4,553 |
| Noncurrent loans to loans | 0.8489% | 5,567 |
| Net loans and leases to total assets | 72.7263% | 2,224 |
| Net loans and leases to deposits | 89.3069% | 1,964 |
| Net loans and leases to core deposits | 94.4039% | 2,652 |
| Total domestic deposits to total assets | 81.4341% | 5,222 |
| Equity capital to assets | 9.6004% | 4,553 |
| Core capital (leverage) ratio | 8.5283% | 5,361 |
| Tier 1 risk-based capital ratio | 10.4385% | 6,728 |
| Total risk-based capital ratio | 11.5310% | 6,833 |
| Memoranda: |
| Average total assets | $434,302,000 | 1,571 |
| Average earning assets | $399,801,330 | 1,554 |
| Average equity | $41,242,670 | 1,600 |
| Average total loans | $324,103,000 | 1,413 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0486% | 4,790 |
| Cost of funding earning assets | 1.6030% | 2,944 |
| Net interest margin | 3.4456% | 5,395 |
| Noninterest income to average assets | 0.9814% | 1,360 |
| Noninterest expense to average assets | 3.1475% | 3,066 |
| Loan and lease loss provision to assets | 0.4178% | 2,868 |
| Net operating income to assets | 0.5905% | 3,933 |
| Return on assets (ROA) | 0.6128% | 3,990 |
| Pretax return on assets | 0.6156% | 4,544 |
| Return on Equity (ROE) | 6.4894% | 3,624 |
| Retained earnings to average equity (ytd only) | 4.0805% | 3,701 |
| Net charge-offs to loans | 0.3830% | 2,899 |
| Credit loss provision to net charge-offs | 145.1613% | 2,454 |
| Earnings coverage of net charge-offs (x) | 3.5129% | 2,887 |
| Efficiency ratio | 75.6419% | 3,286 |
| Assets per employee ($millions) | 3.7237% | 4,515 |
| Cash dividends to net income (ytd only)* | 37.1212% | 1,844 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1183% | 5,924 |
| Loan loss allowance to noncurrent loans | 83.4676% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 4,927 |
| Noncurrent loans to loans | 1.3398% | 4,741 |
| Net loans and leases to total assets | 72.9450% | 2,219 |
| Net loans and leases to deposits | 88.2385% | 2,186 |
| Net loans and leases to core deposits | 95.8459% | 2,608 |
| Total domestic deposits to total assets | 82.6680% | 4,770 |
| Equity capital to assets | 9.3241% | 4,796 |
| Core capital (leverage) ratio | 8.5424% | 5,304 |
| Tier 1 risk-based capital ratio | 10.3367% | 6,774 |
| Total risk-based capital ratio | 11.3742% | 6,937 |
| Memoranda: |
| Average total assets | $430,812,000 | 1,619 |
| Average earning assets | $397,262,000 | 1,602 |
| Average equity | $40,681,500 | 1,642 |
| Average total loans | $323,759,000 | 1,456 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2719% | 5,316 |
| Cost of funding earning assets | 1.9666% | 3,115 |
| Net interest margin | 3.3054% | 5,717 |
| Noninterest income to average assets | 1.3247% | 855 |
| Noninterest expense to average assets | 3.3116% | 2,976 |
| Loan and lease loss provision to assets | 0.1411% | 6,226 |
| Net operating income to assets | 0.9008% | 2,175 |
| Return on assets (ROA) | 0.9229% | 2,163 |
| Pretax return on assets | 0.9556% | 2,745 |
| Return on Equity (ROE) | 10.1673% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.3553% | 856 |
| Net charge-offs to loans | 0.0759% | 6,356 |
| Credit loss provision to net charge-offs | 242.9150% | 1,461 |
| Earnings coverage of net charge-offs (x) | 18.4818% | 1,124 |
| Efficiency ratio | 75.3406% | 3,644 |
| Assets per employee ($millions) | 3.5481% | 4,898 |
| Cash dividends to net income (ytd only)* | 27.6574% | 3,423 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0777% | 6,007 |
| Loan loss allowance to noncurrent loans | 109.3848% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 5,331 |
| Noncurrent loans to loans | 0.9852% | 5,347 |
| Net loans and leases to total assets | 75.7626% | 1,863 |
| Net loans and leases to deposits | 92.8883% | 1,752 |
| Net loans and leases to core deposits | 106.8752% | 3,228 |
| Total domestic deposits to total assets | 81.5631% | 5,128 |
| Equity capital to assets | 9.5667% | 4,328 |
| Core capital (leverage) ratio | 8.5225% | 5,243 |
| Tier 1 risk-based capital ratio | 10.0575% | 6,818 |
| Total risk-based capital ratio | 11.0392% | 7,015 |
| Memoranda: |
| Average total assets | $425,080,200 | 1,630 |
| Average earning assets | $393,632,200 | 1,614 |
| Average equity | $38,584,600 | 1,738 |
| Average total loans | $325,503,000 | 1,479 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2966% | 5,441 |
| Cost of funding earning assets | 2.0335% | 3,199 |
| Net interest margin | 3.2631% | 5,783 |
| Noninterest income to average assets | 1.2810% | 938 |
| Noninterest expense to average assets | 3.2791% | 2,997 |
| Loan and lease loss provision to assets | 0.1096% | 6,275 |
| Net operating income to assets | 0.8721% | 2,529 |
| Return on assets (ROA) | 0.8899% | 2,531 |
| Pretax return on assets | 0.9334% | 3,120 |
| Return on Equity (ROE) | 9.9370% | 1,935 |
| Retained earnings to average equity (ytd only) | 6.5804% | 1,674 |
| Net charge-offs to loans | 0.0920% | 5,764 |
| Credit loss provision to net charge-offs | 155.5556% | 3,064 |
| Earnings coverage of net charge-offs (x) | 14.5379% | 1,597 |
| Efficiency ratio | 76.0242% | 3,508 |
| Assets per employee ($millions) | 3.4921% | 4,951 |
| Cash dividends to net income (ytd only)* | 33.7791% | 2,723 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0469% | 6,027 |
| Loan loss allowance to noncurrent loans | 118.6089% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 5,481 |
| Noncurrent loans to loans | 0.8826% | 5,527 |
| Net loans and leases to total assets | 74.0839% | 2,496 |
| Net loans and leases to deposits | 91.5515% | 2,312 |
| Net loans and leases to core deposits | 108.2352% | 3,440 |
| Total domestic deposits to total assets | 80.9205% | 5,110 |
| Equity capital to assets | 9.6432% | 4,565 |
| Core capital (leverage) ratio | 8.2694% | 5,883 |
| Tier 1 risk-based capital ratio | 10.1075% | 6,875 |
| Total risk-based capital ratio | 11.0616% | 7,095 |
| Memoranda: |
| Average total assets | $425,794,500 | 1,644 |
| Average earning assets | $394,385,000 | 1,624 |
| Average equity | $38,132,500 | 1,789 |
| Average total loans | $326,035,750 | 1,494 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3174% | 5,579 |
| Cost of funding earning assets | 2.0894% | 3,323 |
| Net interest margin | 3.2280% | 5,811 |
| Noninterest income to average assets | 1.1976% | 1,092 |
| Noninterest expense to average assets | 3.3056% | 2,934 |
| Loan and lease loss provision to assets | 0.0932% | 6,236 |
| Net operating income to assets | 0.7541% | 3,026 |
| Return on assets (ROA) | 0.7791% | 3,035 |
| Pretax return on assets | 0.8145% | 3,622 |
| Return on Equity (ROE) | 8.9207% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.3323% | 2,890 |
| Net charge-offs to loans | 0.0846% | 5,362 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 13.5143% | 1,733 |
| Efficiency ratio | 78.7670% | 3,222 |
| Assets per employee ($millions) | 3.4911% | 4,836 |
| Cash dividends to net income (ytd only)* | 51.4354% | 1,992 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9926% | 6,309 |
| Loan loss allowance to noncurrent loans | 105.8355% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,527 |
| Noncurrent loans to loans | 0.9379% | 5,347 |
| Net loans and leases to total assets | 75.3727% | 2,352 |
| Net loans and leases to deposits | 91.9012% | 2,487 |
| Net loans and leases to core deposits | 112.0824% | 3,128 |
| Total domestic deposits to total assets | 82.0150% | 4,692 |
| Equity capital to assets | 8.9641% | 5,367 |
| Core capital (leverage) ratio | 7.7266% | 6,711 |
| Tier 1 risk-based capital ratio | 9.5358% | 7,357 |
| Total risk-based capital ratio | 10.4464% | 7,596 |
| Memoranda: |
| Average total assets | $429,207,000 | 1,650 |
| Average earning assets | $397,527,330 | 1,634 |
| Average equity | $37,485,670 | 1,816 |
| Average total loans | $331,008,330 | 1,508 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3115% | 5,850 |
| Cost of funding earning assets | 2.1124% | 3,592 |
| Net interest margin | 3.1991% | 5,861 |
| Noninterest income to average assets | 1.1318% | 1,154 |
| Noninterest expense to average assets | 3.1780% | 3,082 |
| Loan and lease loss provision to assets | 0.1849% | 4,591 |
| Net operating income to assets | 0.7053% | 3,530 |
| Return on assets (ROA) | 0.6380% | 4,030 |
| Pretax return on assets | 0.6611% | 4,555 |
| Return on Equity (ROE) | 7.4004% | 3,421 |
| Retained earnings to average equity (ytd only) | 2.0378% | 4,725 |
| Net charge-offs to loans | 0.0119% | 5,445 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 436 |
| Efficiency ratio | 77.4565% | 3,261 |
| Assets per employee ($millions) | 3.6272% | 4,511 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,223 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0014% | 6,164 |
| Loan loss allowance to noncurrent loans | 119.1108% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 5,491 |
| Noncurrent loans to loans | 0.8407% | 5,339 |
| Net loans and leases to total assets | 75.4555% | 2,401 |
| Net loans and leases to deposits | 92.8768% | 2,457 |
| Net loans and leases to core deposits | 114.8349% | 2,921 |
| Total domestic deposits to total assets | 81.2426% | 4,872 |
| Equity capital to assets | 8.6490% | 5,844 |
| Core capital (leverage) ratio | 7.6848% | 6,906 |
| Tier 1 risk-based capital ratio | 9.2887% | 7,598 |
| Total risk-based capital ratio | 10.2295% | 7,836 |
| Memoranda: |
| Average total assets | $432,601,500 | 1,646 |
| Average earning assets | $400,493,000 | 1,631 |
| Average equity | $37,295,500 | 1,829 |
| Average total loans | $335,722,500 | 1,498 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0030% | 5,533 |
| Cost of funding earning assets | 2.6180% | 3,589 |
| Net interest margin | 3.3851% | 5,725 |
| Noninterest income to average assets | 1.1377% | 1,200 |
| Noninterest expense to average assets | 3.0515% | 3,891 |
| Loan and lease loss provision to assets | 0.1190% | 5,845 |
| Net operating income to assets | 1.0265% | 2,447 |
| Return on assets (ROA) | 0.8828% | 2,918 |
| Pretax return on assets | 0.9304% | 3,618 |
| Return on Equity (ROE) | 10.5799% | 2,058 |
| Retained earnings to average equity (ytd only) | 4.0840% | 2,589 |
| Net charge-offs to loans | 0.0866% | 5,509 |
| Credit loss provision to net charge-offs | 177.8169% | 2,842 |
| Earnings coverage of net charge-offs (x) | 17.9401% | 1,734 |
| Efficiency ratio | 71.5861% | 4,012 |
| Assets per employee ($millions) | 3.5241% | 4,608 |
| Cash dividends to net income (ytd only)* | 61.3988% | 2,607 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9220% | 6,552 |
| Loan loss allowance to noncurrent loans | 300.8646% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 6,480 |
| Noncurrent loans to loans | 0.3065% | 6,459 |
| Net loans and leases to total assets | 78.2810% | 2,055 |
| Net loans and leases to deposits | 96.7908% | 2,315 |
| Net loans and leases to core deposits | 122.3110% | 2,474 |
| Total domestic deposits to total assets | 80.8764% | 4,696 |
| Equity capital to assets | 8.5930% | 5,947 |
| Core capital (leverage) ratio | 7.8984% | 6,652 |
| Tier 1 risk-based capital ratio | 9.4359% | 7,379 |
| Total risk-based capital ratio | 10.3425% | 7,686 |
| Memoranda: |
| Average total assets | $424,355,200 | 1,605 |
| Average earning assets | $390,419,400 | 1,591 |
| Average equity | $35,406,800 | 1,908 |
| Average total loans | $328,062,400 | 1,483 |
