| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7853% | 851 |
| Cost of funding earning assets | 1.7547% | 1,341 |
| Net interest margin | 4.0306% | 1,160 |
| Noninterest income to average assets | 2.8900% | 190 |
| Noninterest expense to average assets | 5.3767% | 202 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9255% | 2,470 |
| Return on assets (ROA) | 0.9255% | 2,439 |
| Pretax return on assets | 1.1696% | 2,217 |
| Return on Equity (ROE) | 9.3300% | 2,681 |
| Retained earnings to average equity (ytd only) | 6.2403% | 2,157 |
| Net charge-offs to loans | 0.1965% | 546 |
| Credit loss provision to net charge-offs | 160.3821% | 1,408 |
| Earnings coverage of net charge-offs (x) | 8.0161% | 2,370 |
| Efficiency ratio | 80.4417% | 890 |
| Assets per employee ($millions) | 4.0998% | 4,125 |
| Cash dividends to net income (ytd only)* | 33.1387% | 2,428 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2263% | 2,135 |
| Loan loss allowance to noncurrent loans | 612.2873% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 2,410 |
| Noncurrent loans to loans | 0.2003% | 2,509 |
| Net loans and leases to total assets | 83.4500% | 311 |
| Net loans and leases to deposits | 100.1122% | 530 |
| Net loans and leases to core deposits | 117.9221% | 690 |
| Total domestic deposits to total assets | 83.3600% | 2,792 |
| Equity capital to assets | 10.0408% | 1,980 |
| Core capital (leverage) ratio | 10.1118% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5619% | 2,040 |
| Memoranda: |
| Average total assets | $1,221,054,400 | 843 |
| Average earning assets | $1,149,100,800 | 820 |
| Average equity | $121,084,800 | 815 |
| Average total loans | $1,012,161,000 | 719 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6340% | 869 |
| Cost of funding earning assets | 1.6735% | 1,225 |
| Net interest margin | 3.9605% | 1,279 |
| Noninterest income to average assets | 2.9600% | 198 |
| Noninterest expense to average assets | 5.3998% | 202 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.8619% | 2,822 |
| Return on assets (ROA) | 0.8619% | 2,804 |
| Pretax return on assets | 1.1036% | 2,558 |
| Return on Equity (ROE) | 8.6600% | 3,018 |
| Retained earnings to average equity (ytd only) | 4.5247% | 3,092 |
| Net charge-offs to loans | 0.2669% | 333 |
| Credit loss provision to net charge-offs | 134.2315% | 1,395 |
| Earnings coverage of net charge-offs (x) | 5.8408% | 2,329 |
| Efficiency ratio | 80.7438% | 824 |
| Assets per employee ($millions) | 4.0840% | 4,129 |
| Cash dividends to net income (ytd only)* | 47.7435% | 1,345 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2292% | 2,222 |
| Loan loss allowance to noncurrent loans | 558.1427% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 2,391 |
| Noncurrent loans to loans | 0.2202% | 2,470 |
| Net loans and leases to total assets | 80.2500% | 610 |
| Net loans and leases to deposits | 93.9217% | 904 |
| Net loans and leases to core deposits | 108.4073% | 930 |
| Total domestic deposits to total assets | 85.4500% | 2,369 |
| Equity capital to assets | 9.8924% | 1,889 |
| Core capital (leverage) ratio | 9.9789% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5977% | 2,042 |
| Memoranda: |
| Average total assets | $1,213,428,750 | 853 |
| Average earning assets | $1,142,241,250 | 826 |
| Average equity | $120,786,000 | 813 |
| Average total loans | $1,001,082,500 | 724 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4626% | 882 |
| Cost of funding earning assets | 1.5652% | 1,137 |
| Net interest margin | 3.8974% | 1,434 |
| Noninterest income to average assets | 2.9400% | 177 |
| Noninterest expense to average assets | 5.4609% | 193 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.7053% | 3,334 |
| Return on assets (ROA) | 0.7053% | 3,337 |
| Pretax return on assets | 0.8921% | 3,185 |
| Return on Equity (ROE) | 7.1000% | 3,461 |
| Retained earnings to average equity (ytd only) | 4.5882% | 3,058 |
| Net charge-offs to loans | 0.3092% | 270 |
| Credit loss provision to net charge-offs | 132.2957% | 1,274 |
| Earnings coverage of net charge-offs (x) | 4.4767% | 2,216 |
| Efficiency ratio | 82.6030% | 677 |
| Assets per employee ($millions) | 3.9257% | 4,215 |
| Cash dividends to net income (ytd only)* | 35.3774% | 1,890 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2406% | 2,226 |
| Loan loss allowance to noncurrent loans | 461.5470% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 2,105 |
| Noncurrent loans to loans | 0.2688% | 2,192 |
| Net loans and leases to total assets | 79.9000% | 638 |
| Net loans and leases to deposits | 93.6351% | 897 |
| Net loans and leases to core deposits | 107.9702% | 907 |
| Total domestic deposits to total assets | 85.3300% | 2,449 |
| Equity capital to assets | 9.8502% | 1,942 |
| Core capital (leverage) ratio | 9.8808% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9246% | 1,930 |
| Memoranda: |
| Average total assets | $1,202,289,333 | 847 |
| Average earning assets | $1,131,065,333 | 828 |
| Average equity | $119,437,000 | 818 |
| Average total loans | $997,416,333 | 713 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2347% | 911 |
| Cost of funding earning assets | 1.2690% | 1,299 |
| Net interest margin | 3.9657% | 1,336 |
| Noninterest income to average assets | 2.6700% | 179 |
| Noninterest expense to average assets | 5.4033% | 207 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | 0.4749% | 3,957 |
| Return on assets (ROA) | 0.4749% | 3,910 |
| Pretax return on assets | 0.5822% | 3,870 |
| Return on Equity (ROE) | 4.7600% | 3,921 |
| Retained earnings to average equity (ytd only) | -0.3146% | 4,066 |
| Net charge-offs to loans | -0.0442% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.4137% | 572 |
| Assets per employee ($millions) | 3.9296% | 4,281 |
| Cash dividends to net income (ytd only)* | 106.6098% | 397 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4500% | 1,434 |
| Loan loss allowance to noncurrent loans | 374.2058% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 1,586 |
| Noncurrent loans to loans | 0.3875% | 1,769 |
| Net loans and leases to total assets | 80.5900% | 486 |
| Net loans and leases to deposits | 98.2144% | 527 |
| Net loans and leases to core deposits | 105.9911% | 835 |
| Total domestic deposits to total assets | 82.0600% | 3,477 |
| Equity capital to assets | 9.4567% | 2,176 |
| Core capital (leverage) ratio | 10.0917% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $1,185,134,500 | 873 |
| Average earning assets | $1,114,255,500 | 852 |
| Average equity | $118,251,500 | 834 |
| Average total loans | $995,903,000 | 724 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2729% | 1,109 |
| Cost of funding earning assets | 0.3453% | 2,517 |
| Net interest margin | 3.9276% | 897 |
| Noninterest income to average assets | 3.7700% | 151 |
| Noninterest expense to average assets | 5.9687% | 164 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1353% | 2,029 |
| Return on assets (ROA) | 1.1353% | 1,976 |
| Pretax return on assets | 1.4590% | 1,577 |
| Return on Equity (ROE) | 11.8100% | 2,212 |
| Retained earnings to average equity (ytd only) | 8.7595% | 1,548 |
| Net charge-offs to loans | -0.0945% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.9151% | 722 |
| Assets per employee ($millions) | 3.3889% | 4,470 |
| Cash dividends to net income (ytd only)* | 25.8493% | 2,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3715% | 1,599 |
| Loan loss allowance to noncurrent loans | 957.1122% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 2,658 |
| Noncurrent loans to loans | 0.1433% | 2,795 |
| Net loans and leases to total assets | 85.3200% | 196 |
| Net loans and leases to deposits | 97.9031% | 530 |
| Net loans and leases to core deposits | 100.1273% | 999 |
| Total domestic deposits to total assets | 87.1500% | 2,346 |
| Equity capital to assets | 10.5514% | 1,433 |
| Core capital (leverage) ratio | 10.3009% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2755% | 2,249 |
| Memoranda: |
| Average total assets | $1,192,651,600 | 860 |
| Average earning assets | $1,123,839,400 | 842 |
| Average equity | $114,618,600 | 847 |
| Average total loans | $901,353,000 | 750 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0179% | 1,234 |
| Cost of funding earning assets | 0.2742% | 2,444 |
| Net interest margin | 3.7437% | 1,047 |
| Noninterest income to average assets | 4.4100% | 141 |
| Noninterest expense to average assets | 6.5361% | 154 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0622% | 2,241 |
| Return on assets (ROA) | 1.0622% | 2,203 |
| Pretax return on assets | 1.3635% | 1,835 |
| Return on Equity (ROE) | 11.3100% | 2,266 |
| Retained earnings to average equity (ytd only) | 10.1362% | 1,306 |
| Net charge-offs to loans | -0.1295% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.3045% | 639 |
| Assets per employee ($millions) | 3.6659% | 4,441 |
| Cash dividends to net income (ytd only)* | 10.3853% | 2,822 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4252% | 1,525 |
| Loan loss allowance to noncurrent loans | 1,673.9295% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,213 |
| Noncurrent loans to loans | 0.0851% | 3,267 |
| Net loans and leases to total assets | 77.1600% | 785 |
| Net loans and leases to deposits | 87.5946% | 1,060 |
| Net loans and leases to core deposits | 90.4170% | 1,273 |
| Total domestic deposits to total assets | 88.0900% | 2,399 |
| Equity capital to assets | 9.8693% | 1,680 |
| Core capital (leverage) ratio | 9.7915% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5814% | 2,223 |
| Memoranda: |
| Average total assets | $1,208,688,500 | 853 |
| Average earning assets | $1,140,166,750 | 831 |
| Average equity | $113,505,000 | 875 |
| Average total loans | $882,620,500 | 761 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7303% | 1,473 |
| Cost of funding earning assets | 0.2409% | 2,386 |
| Net interest margin | 3.4894% | 1,342 |
| Noninterest income to average assets | 4.9810% | 100 |
| Noninterest expense to average assets | 6.9404% | 104 |
| Loan and lease loss provision to assets | 0.0420% | 1,818 |
| Net operating income to assets | 1.0023% | 2,149 |
| Return on assets (ROA) | 1.0023% | 2,121 |
| Pretax return on assets | 1.2947% | 1,770 |
| Return on Equity (ROE) | 10.8538% | 2,031 |
| Retained earnings to average equity (ytd only) | 9.0704% | 1,270 |
| Net charge-offs to loans | -0.0550% | 4,271 |
| Credit loss provision to net charge-offs | -107.1429% | 3,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8284% | 691 |
| Assets per employee ($millions) | 3.5400% | 4,539 |
| Cash dividends to net income (ytd only)* | 16.4312% | 2,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3940% | 1,781 |
| Loan loss allowance to noncurrent loans | 420.0201% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 2,058 |
| Noncurrent loans to loans | 0.3319% | 2,144 |
| Net loans and leases to total assets | 74.5164% | 860 |
| Net loans and leases to deposits | 85.9110% | 980 |
| Net loans and leases to core deposits | 88.9225% | 1,179 |
| Total domestic deposits to total assets | 86.7368% | 3,026 |
| Equity capital to assets | 9.5670% | 1,965 |
| Core capital (leverage) ratio | 9.3911% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7101% | 2,200 |
| Memoranda: |
| Average total assets | $1,214,447,333 | 849 |
| Average earning assets | $1,147,190,000 | 831 |
| Average equity | $112,145,333 | 888 |
| Average total loans | $865,965,667 | 760 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5419% | 1,666 |
| Cost of funding earning assets | 0.2321% | 2,364 |
| Net interest margin | 3.3098% | 1,543 |
| Noninterest income to average assets | 5.5688% | 95 |
| Noninterest expense to average assets | 7.3495% | 99 |
| Loan and lease loss provision to assets | 0.0490% | 1,494 |
| Net operating income to assets | 0.9850% | 1,946 |
| Return on assets (ROA) | 0.9850% | 1,941 |
| Pretax return on assets | 1.3033% | 1,500 |
| Return on Equity (ROE) | 10.8573% | 1,662 |
| Retained earnings to average equity (ytd only) | 10.8573% | 809 |
| Net charge-offs to loans | -0.0448% | 4,222 |
| Credit loss provision to net charge-offs | -157.8947% | 2,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4370% | 820 |
| Assets per employee ($millions) | 3.6583% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4762% | 1,628 |
| Loan loss allowance to noncurrent loans | 290.3819% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 1,766 |
| Noncurrent loans to loans | 0.5084% | 1,753 |
| Net loans and leases to total assets | 64.9482% | 1,506 |
| Net loans and leases to deposits | 73.9274% | 1,617 |
| Net loans and leases to core deposits | 76.2018% | 1,770 |
| Total domestic deposits to total assets | 87.8540% | 2,592 |
| Equity capital to assets | 8.9000% | 2,801 |
| Core capital (leverage) ratio | 9.3367% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8024% | 1,872 |
| Memoranda: |
| Average total assets | $1,225,179,000 | 840 |
| Average earning assets | $1,159,720,500 | 825 |
| Average equity | $111,151,500 | 921 |
| Average total loans | $848,180,500 | 765 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8413% | 1,764 |
| Cost of funding earning assets | 0.3433% | 2,001 |
| Net interest margin | 3.4980% | 1,738 |
| Noninterest income to average assets | 7.8728% | 81 |
| Noninterest expense to average assets | 8.0682% | 92 |
| Loan and lease loss provision to assets | 0.0591% | 1,880 |
| Net operating income to assets | 2.3807% | 182 |
| Return on assets (ROA) | 2.3807% | 188 |
| Pretax return on assets | 3.0689% | 136 |
| Return on Equity (ROE) | 24.9154% | 125 |
| Retained earnings to average equity (ytd only) | 17.0099% | 122 |
| Net charge-offs to loans | -0.0096% | 3,733 |
| Credit loss provision to net charge-offs | -806.2500% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0482% | 1,507 |
| Assets per employee ($millions) | 3.3182% | 4,625 |
| Cash dividends to net income (ytd only)* | 31.7295% | 2,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4007% | 1,916 |
| Loan loss allowance to noncurrent loans | 536.3394% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 2,605 |
| Noncurrent loans to loans | 0.2612% | 2,675 |
| Net loans and leases to total assets | 71.7444% | 861 |
| Net loans and leases to deposits | 81.8087% | 1,083 |
| Net loans and leases to core deposits | 84.5724% | 1,293 |
| Total domestic deposits to total assets | 87.6977% | 2,196 |
| Equity capital to assets | 9.2563% | 3,360 |
| Core capital (leverage) ratio | 9.4675% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6250% | 2,006 |
| Memoranda: |
| Average total assets | $1,092,178,800 | 897 |
| Average earning assets | $1,037,653,800 | 874 |
| Average equity | $104,357,000 | 978 |
| Average total loans | $830,478,200 | 776 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9188% | 1,710 |
| Cost of funding earning assets | 0.3549% | 2,066 |
| Net interest margin | 3.5638% | 1,691 |
| Noninterest income to average assets | 8.6308% | 80 |
| Noninterest expense to average assets | 8.4231% | 91 |
| Loan and lease loss provision to assets | 0.0617% | 1,762 |
| Net operating income to assets | 2.7048% | 170 |
| Return on assets (ROA) | 2.7048% | 172 |
| Pretax return on assets | 3.5346% | 119 |
| Return on Equity (ROE) | 28.0651% | 112 |
| Retained earnings to average equity (ytd only) | 23.8595% | 61 |
| Net charge-offs to loans | -0.0100% | 3,671 |
| Credit loss provision to net charge-offs | -798.3871% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0680% | 1,593 |
| Assets per employee ($millions) | 3.1233% | 4,734 |
| Cash dividends to net income (ytd only)* | 14.9852% | 2,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4726% | 1,735 |
| Loan loss allowance to noncurrent loans | 439.7857% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 2,574 |
| Noncurrent loans to loans | 0.3348% | 2,582 |
| Net loans and leases to total assets | 70.6476% | 1,026 |
| Net loans and leases to deposits | 81.3340% | 1,163 |
| Net loans and leases to core deposits | 84.2217% | 1,412 |
| Total domestic deposits to total assets | 86.8612% | 2,404 |
| Equity capital to assets | 9.7897% | 3,110 |
| Core capital (leverage) ratio | 10.0815% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8421% | 1,670 |
| Memoranda: |
| Average total assets | $1,069,076,500 | 919 |
| Average earning assets | $1,016,520,000 | 902 |
| Average equity | $103,034,000 | 1,006 |
| Average total loans | $822,610,750 | 798 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9643% | 1,648 |
| Cost of funding earning assets | 0.3712% | 2,124 |
| Net interest margin | 3.5930% | 1,608 |
| Noninterest income to average assets | 9.4859% | 71 |
| Noninterest expense to average assets | 8.7494% | 88 |
| Loan and lease loss provision to assets | 0.0657% | 1,730 |
| Net operating income to assets | 3.1515% | 108 |
| Return on assets (ROA) | 3.1515% | 111 |
| Pretax return on assets | 4.0808% | 89 |
| Return on Equity (ROE) | 32.8853% | 75 |
| Retained earnings to average equity (ytd only) | 31.3940% | 31 |
| Net charge-offs to loans | -0.0147% | 3,847 |
| Credit loss provision to net charge-offs | -565.5738% | 3,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8345% | 1,899 |
| Assets per employee ($millions) | 3.0709% | 4,772 |
| Cash dividends to net income (ytd only)* | 4.5347% | 3,007 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4624% | 1,718 |
| Loan loss allowance to noncurrent loans | 355.2131% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 2,374 |
| Noncurrent loans to loans | 0.4117% | 2,446 |
| Net loans and leases to total assets | 73.4786% | 811 |
| Net loans and leases to deposits | 84.9768% | 991 |
| Net loans and leases to core deposits | 88.2496% | 1,252 |
| Total domestic deposits to total assets | 86.4690% | 2,565 |
| Equity capital to assets | 9.9942% | 2,854 |
| Core capital (leverage) ratio | 9.9202% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9497% | 1,646 |
| Memoranda: |
| Average total assets | $1,049,603,333 | 930 |
| Average earning assets | $996,152,667 | 912 |
| Average equity | $100,586,000 | 1,021 |
| Average total loans | $827,329,667 | 796 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9524% | 1,700 |
| Cost of funding earning assets | 0.3938% | 2,146 |
| Net interest margin | 3.5586% | 1,683 |
| Noninterest income to average assets | 10.6534% | 70 |
| Noninterest expense to average assets | 8.8544% | 84 |
| Loan and lease loss provision to assets | 0.0753% | 1,677 |
| Net operating income to assets | 3.9179% | 85 |
| Return on assets (ROA) | 3.9179% | 87 |
| Pretax return on assets | 5.0992% | 72 |
| Return on Equity (ROE) | 41.8158% | 61 |
| Retained earnings to average equity (ytd only) | 41.8158% | 32 |
| Net charge-offs to loans | -0.0057% | 3,445 |
| Credit loss provision to net charge-offs | -1,625.0000% | 3,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1044% | 2,593 |
| Assets per employee ($millions) | 3.0633% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3542% | 2,183 |
| Loan loss allowance to noncurrent loans | 369.3734% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 2,699 |
| Noncurrent loans to loans | 0.3666% | 2,773 |
| Net loans and leases to total assets | 77.3969% | 506 |
| Net loans and leases to deposits | 89.5426% | 724 |
| Net loans and leases to core deposits | 92.9994% | 1,043 |
| Total domestic deposits to total assets | 86.4359% | 2,555 |
| Equity capital to assets | 9.3842% | 3,300 |
| Core capital (leverage) ratio | 10.1407% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1674% | 1,854 |
| Memoranda: |
| Average total assets | $1,035,465,000 | 926 |
| Average earning assets | $982,193,500 | 910 |
| Average equity | $97,016,000 | 1,035 |
| Average total loans | $839,112,000 | 779 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5790% | 1,136 |
| Cost of funding earning assets | 0.6487% | 1,998 |
| Net interest margin | 3.9303% | 1,136 |
| Noninterest income to average assets | 11.5137% | 62 |
| Noninterest expense to average assets | 10.5889% | 71 |
| Loan and lease loss provision to assets | 0.5552% | 393 |
| Net operating income to assets | 3.0039% | 92 |
| Return on assets (ROA) | 3.0039% | 94 |
| Pretax return on assets | 4.0660% | 73 |
| Return on Equity (ROE) | 31.1643% | 61 |
| Retained earnings to average equity (ytd only) | 20.9982% | 59 |
| Net charge-offs to loans | 0.0324% | 2,390 |
| Credit loss provision to net charge-offs | 2,006.6667% | 442 |
| Earnings coverage of net charge-offs (x) | 167.0250% | 525 |
| Efficiency ratio | 69.6067% | 2,003 |
| Assets per employee ($millions) | 2.8926% | 4,837 |
| Cash dividends to net income (ytd only)* | 32.6208% | 2,730 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3755% | 2,077 |
| Loan loss allowance to noncurrent loans | 334.3547% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 2,608 |
| Noncurrent loans to loans | 0.4114% | 2,745 |
| Net loans and leases to total assets | 82.7337% | 245 |
| Net loans and leases to deposits | 96.4059% | 532 |
| Net loans and leases to core deposits | 100.9365% | 863 |
| Total domestic deposits to total assets | 85.8181% | 2,448 |
| Equity capital to assets | 9.3529% | 3,735 |
| Core capital (leverage) ratio | 9.2283% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7879% | 1,938 |
| Memoranda: |
| Average total assets | $867,429,800 | 995 |
| Average earning assets | $815,818,800 | 985 |
| Average equity | $83,611,800 | 1,113 |
| Average total loans | $741,609,800 | 838 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5793% | 1,369 |
| Cost of funding earning assets | 0.7121% | 1,950 |
| Net interest margin | 3.8672% | 1,431 |
| Noninterest income to average assets | 11.6205% | 63 |
| Noninterest expense to average assets | 10.6223% | 71 |
| Loan and lease loss provision to assets | 0.7205% | 285 |
| Net operating income to assets | 2.8707% | 103 |
| Return on assets (ROA) | 2.8707% | 107 |
| Pretax return on assets | 3.9074% | 72 |
| Return on Equity (ROE) | 29.5253% | 68 |
| Retained earnings to average equity (ytd only) | 25.4364% | 46 |
| Net charge-offs to loans | 0.0461% | 1,959 |
| Credit loss provision to net charge-offs | 1,819.6787% | 522 |
| Earnings coverage of net charge-offs (x) | 116.8755% | 706 |
| Efficiency ratio | 69.6417% | 1,938 |
| Assets per employee ($millions) | 3.1349% | 4,798 |
| Cash dividends to net income (ytd only)* | 13.8489% | 3,020 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3061% | 2,131 |
| Loan loss allowance to noncurrent loans | 360.0651% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 2,823 |
| Noncurrent loans to loans | 0.3627% | 2,986 |
| Net loans and leases to total assets | 85.9515% | 156 |
| Net loans and leases to deposits | 105.7574% | 330 |
| Net loans and leases to core deposits | 111.3213% | 658 |
| Total domestic deposits to total assets | 81.2723% | 3,597 |
| Equity capital to assets | 9.2581% | 3,899 |
| Core capital (leverage) ratio | 9.9072% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0146% | 2,191 |
| Memoranda: |
| Average total assets | $838,419,500 | 1,007 |
| Average earning assets | $786,934,250 | 1,001 |
| Average equity | $81,519,000 | 1,126 |
| Average total loans | $720,759,750 | 851 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6895% | 1,430 |
| Cost of funding earning assets | 0.7913% | 1,867 |
| Net interest margin | 3.8983% | 1,573 |
| Noninterest income to average assets | 10.6236% | 62 |
| Noninterest expense to average assets | 10.1032% | 72 |
| Loan and lease loss provision to assets | 0.7635% | 330 |
| Net operating income to assets | 2.4893% | 141 |
| Return on assets (ROA) | 2.4893% | 154 |
| Pretax return on assets | 3.4204% | 82 |
| Return on Equity (ROE) | 25.1128% | 114 |
| Retained earnings to average equity (ytd only) | 25.1128% | 52 |
| Net charge-offs to loans | 0.0406% | 1,931 |
| Credit loss provision to net charge-offs | 2,196.3768% | 446 |
| Earnings coverage of net charge-offs (x) | 120.3551% | 622 |
| Efficiency ratio | 70.7032% | 1,861 |
| Assets per employee ($millions) | 2.9892% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2352% | 2,328 |
| Loan loss allowance to noncurrent loans | 321.2363% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 2,819 |
| Noncurrent loans to loans | 0.3845% | 3,028 |
| Net loans and leases to total assets | 85.3319% | 171 |
| Net loans and leases to deposits | 104.8796% | 349 |
| Net loans and leases to core deposits | 113.5831% | 615 |
| Total domestic deposits to total assets | 81.3617% | 3,531 |
| Equity capital to assets | 9.3065% | 3,823 |
| Core capital (leverage) ratio | 10.3536% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7291% | 2,299 |
| Memoranda: |
| Average total assets | $793,948,667 | 1,032 |
| Average earning assets | $746,129,000 | 1,016 |
| Average equity | $78,701,000 | 1,157 |
| Average total loans | $680,386,000 | 871 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9854% | 1,000 |
| Cost of funding earning assets | 0.9029% | 1,849 |
| Net interest margin | 4.0826% | 1,171 |
| Noninterest income to average assets | 10.0583% | 57 |
| Noninterest expense to average assets | 10.8816% | 72 |
| Loan and lease loss provision to assets | 0.5420% | 534 |
| Net operating income to assets | 1.7235% | 488 |
| Return on assets (ROA) | 1.7235% | 538 |
| Pretax return on assets | 2.4578% | 180 |
| Return on Equity (ROE) | 16.7578% | 359 |
| Retained earnings to average equity (ytd only) | 16.7578% | 123 |
| Net charge-offs to loans | 0.0617% | 1,394 |
| Credit loss provision to net charge-offs | 1,030.9278% | 560 |
| Earnings coverage of net charge-offs (x) | 57.0619% | 824 |
| Efficiency ratio | 78.3782% | 1,295 |
| Assets per employee ($millions) | 2.4864% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1850% | 2,747 |
| Loan loss allowance to noncurrent loans | 213.4910% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 2,429 |
| Noncurrent loans to loans | 0.5551% | 2,613 |
| Net loans and leases to total assets | 84.3927% | 241 |
| Net loans and leases to deposits | 103.2858% | 397 |
| Net loans and leases to core deposits | 115.0073% | 624 |
| Total domestic deposits to total assets | 81.7080% | 3,493 |
| Equity capital to assets | 10.2173% | 3,588 |
| Core capital (leverage) ratio | 10.6267% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8538% | 2,347 |
| Memoranda: |
| Average total assets | $738,053,500 | 1,061 |
| Average earning assets | $691,134,500 | 1,048 |
| Average equity | $75,905,000 | 1,187 |
| Average total loans | $629,304,000 | 902 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1938% | 1,009 |
| Cost of funding earning assets | 0.9535% | 1,941 |
| Net interest margin | 4.2403% | 1,230 |
| Noninterest income to average assets | 6.9094% | 81 |
| Noninterest expense to average assets | 8.9725% | 81 |
| Loan and lease loss provision to assets | 0.0096% | 3,815 |
| Net operating income to assets | 2.2704% | 194 |
| Return on assets (ROA) | 2.2821% | 203 |
| Pretax return on assets | 1.9300% | 697 |
| Return on Equity (ROE) | 23.9980% | 99 |
| Retained earnings to average equity (ytd only) | 8.7355% | 779 |
| Net charge-offs to loans | -0.0576% | 4,849 |
| Credit loss provision to net charge-offs | -19.6970% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2967% | 783 |
| Assets per employee ($millions) | 2.4331% | 5,019 |
| Cash dividends to net income (ytd only)* | 63.5992% | 1,412 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1085% | 2,902 |
| Loan loss allowance to noncurrent loans | 257.2948% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 2,738 |
| Noncurrent loans to loans | 0.4308% | 2,904 |
| Net loans and leases to total assets | 84.1745% | 306 |
| Net loans and leases to deposits | 98.5409% | 713 |
| Net loans and leases to core deposits | 110.8283% | 810 |
| Total domestic deposits to total assets | 85.4209% | 2,336 |
| Equity capital to assets | 10.3555% | 3,583 |
| Core capital (leverage) ratio | 10.4020% | 3,068 |
| Tier 1 risk-based capital ratio | 13.0898% | 3,749 |
| Total risk-based capital ratio | 14.2906% | 3,650 |
| Memoranda: |
| Average total assets | $675,221,000 | 1,109 |
| Average earning assets | $635,528,400 | 1,088 |
| Average equity | $64,209,600 | 1,314 |
| Average total loans | $572,621,600 | 951 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1367% | 1,191 |
| Cost of funding earning assets | 0.9429% | 2,024 |
| Net interest margin | 4.1938% | 1,390 |
| Noninterest income to average assets | 6.8672% | 79 |
| Noninterest expense to average assets | 8.8604% | 86 |
| Loan and lease loss provision to assets | 0.0130% | 3,642 |
| Net operating income to assets | 1.9360% | 453 |
| Return on assets (ROA) | 1.9518% | 453 |
| Pretax return on assets | 1.9518% | 764 |
| Return on Equity (ROE) | 21.0305% | 198 |
| Retained earnings to average equity (ytd only) | 13.8971% | 209 |
| Net charge-offs to loans | -0.0227% | 4,616 |
| Credit loss provision to net charge-offs | -67.7083% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9525% | 760 |
| Assets per employee ($millions) | 2.4422% | 5,088 |
| Cash dividends to net income (ytd only)* | 33.9192% | 2,434 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0772% | 3,143 |
| Loan loss allowance to noncurrent loans | 208.4157% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 2,524 |
| Noncurrent loans to loans | 0.5169% | 2,741 |
| Net loans and leases to total assets | 83.9052% | 365 |
| Net loans and leases to deposits | 99.6058% | 672 |
| Net loans and leases to core deposits | 111.6641% | 861 |
| Total domestic deposits to total assets | 84.2373% | 2,733 |
| Equity capital to assets | 9.1034% | 4,726 |
| Core capital (leverage) ratio | 9.3533% | 4,322 |
| Tier 1 risk-based capital ratio | 12.1356% | 4,347 |
| Total risk-based capital ratio | 13.3574% | 4,259 |
| Memoranda: |
| Average total assets | $664,587,500 | 1,124 |
| Average earning assets | $624,717,750 | 1,105 |
| Average equity | $61,680,250 | 1,357 |
| Average total loans | $563,042,250 | 958 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0244% | 1,416 |
| Cost of funding earning assets | 0.9186% | 2,061 |
| Net interest margin | 4.1059% | 1,592 |
| Noninterest income to average assets | 6.3635% | 80 |
| Noninterest expense to average assets | 8.6761% | 82 |
| Loan and lease loss provision to assets | 0.0154% | 3,470 |
| Net operating income to assets | 1.5235% | 1,083 |
| Return on assets (ROA) | 1.5479% | 1,061 |
| Pretax return on assets | 1.5479% | 1,708 |
| Return on Equity (ROE) | 16.5612% | 516 |
| Retained earnings to average equity (ytd only) | 11.6047% | 457 |
| Net charge-offs to loans | -0.0197% | 4,543 |
| Credit loss provision to net charge-offs | -92.5926% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9196% | 598 |
| Assets per employee ($millions) | 2.3086% | 5,169 |
| Cash dividends to net income (ytd only)* | 29.9282% | 2,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1328% | 2,889 |
| Loan loss allowance to noncurrent loans | 311.5865% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,004 |
| Noncurrent loans to loans | 0.3636% | 3,223 |
| Net loans and leases to total assets | 84.1968% | 343 |
| Net loans and leases to deposits | 99.8336% | 692 |
| Net loans and leases to core deposits | 111.9843% | 869 |
| Total domestic deposits to total assets | 84.3372% | 2,746 |
| Equity capital to assets | 9.2556% | 4,607 |
| Core capital (leverage) ratio | 9.5367% | 4,114 |
| Tier 1 risk-based capital ratio | 12.2261% | 4,284 |
| Total risk-based capital ratio | 13.4764% | 4,152 |
| Memoranda: |
| Average total assets | $647,598,000 | 1,152 |
| Average earning assets | $607,470,000 | 1,127 |
| Average equity | $60,527,000 | 1,370 |
| Average total loans | $548,414,000 | 986 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1720% | 956 |
| Cost of funding earning assets | 0.8823% | 2,081 |
| Net interest margin | 4.2897% | 1,112 |
| Noninterest income to average assets | 5.8594% | 83 |
| Noninterest expense to average assets | 8.3135% | 83 |
| Loan and lease loss provision to assets | 0.0126% | 3,274 |
| Net operating income to assets | 1.5484% | 1,012 |
| Return on assets (ROA) | 1.5484% | 1,039 |
| Pretax return on assets | 1.5484% | 1,615 |
| Return on Equity (ROE) | 16.4821% | 532 |
| Retained earnings to average equity (ytd only) | 16.4821% | 203 |
| Net charge-offs to loans | 0.0022% | 2,676 |
| Credit loss provision to net charge-offs | 666.6667% | 496 |
| Earnings coverage of net charge-offs (x) | 826.6667% | 79 |
| Efficiency ratio | 84.1726% | 695 |
| Assets per employee ($millions) | 2.2171% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1755% | 2,712 |
| Loan loss allowance to noncurrent loans | 233.5281% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 2,622 |
| Noncurrent loans to loans | 0.5034% | 2,803 |
| Net loans and leases to total assets | 84.4775% | 330 |
| Net loans and leases to deposits | 98.6853% | 729 |
| Net loans and leases to core deposits | 109.2336% | 971 |
| Total domestic deposits to total assets | 85.6029% | 2,446 |
| Equity capital to assets | 9.5849% | 4,179 |
| Core capital (leverage) ratio | 9.7912% | 3,823 |
| Tier 1 risk-based capital ratio | 12.4615% | 4,197 |
| Total risk-based capital ratio | 13.7121% | 4,059 |
| Memoranda: |
| Average total assets | $635,496,500 | 1,171 |
| Average earning assets | $594,816,000 | 1,157 |
| Average equity | $59,701,000 | 1,379 |
| Average total loans | $536,563,000 | 1,007 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1122% | 822 |
| Cost of funding earning assets | 0.6450% | 2,428 |
| Net interest margin | 4.4672% | 813 |
| Noninterest income to average assets | 6.6378% | 75 |
| Noninterest expense to average assets | 9.2834% | 71 |
| Loan and lease loss provision to assets | 0.0363% | 3,472 |
| Net operating income to assets | 1.4977% | 1,126 |
| Return on assets (ROA) | 1.5722% | 936 |
| Pretax return on assets | 1.5722% | 1,545 |
| Return on Equity (ROE) | 16.7222% | 520 |
| Retained earnings to average equity (ytd only) | 7.3836% | 1,507 |
| Net charge-offs to loans | -0.0279% | 4,790 |
| Credit loss provision to net charge-offs | -156.7376% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7923% | 540 |
| Assets per employee ($millions) | 2.0878% | 5,304 |
| Cash dividends to net income (ytd only)* | 55.8455% | 1,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2051% | 2,543 |
| Loan loss allowance to noncurrent loans | 396.0870% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 3,246 |
| Noncurrent loans to loans | 0.3042% | 3,460 |
| Net loans and leases to total assets | 82.3743% | 605 |
| Net loans and leases to deposits | 95.8323% | 1,086 |
| Net loans and leases to core deposits | 104.4918% | 1,374 |
| Total domestic deposits to total assets | 85.9568% | 2,255 |
| Equity capital to assets | 9.2034% | 4,403 |
| Core capital (leverage) ratio | 9.6615% | 3,937 |
| Tier 1 risk-based capital ratio | 12.3164% | 4,229 |
| Total risk-based capital ratio | 13.5676% | 4,113 |
| Memoranda: |
| Average total assets | $609,344,600 | 1,185 |
| Average earning assets | $570,105,200 | 1,184 |
| Average equity | $57,289,000 | 1,380 |
| Average total loans | $505,935,400 | 1,037 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0673% | 811 |
| Cost of funding earning assets | 0.5937% | 2,515 |
| Net interest margin | 4.4736% | 785 |
| Noninterest income to average assets | 6.8561% | 73 |
| Noninterest expense to average assets | 9.2462% | 72 |
| Loan and lease loss provision to assets | 0.0489% | 3,015 |
| Net operating income to assets | 1.7443% | 674 |
| Return on assets (ROA) | 1.8447% | 557 |
| Pretax return on assets | 1.8447% | 919 |
| Return on Equity (ROE) | 19.5125% | 301 |
| Retained earnings to average equity (ytd only) | 13.5486% | 298 |
| Net charge-offs to loans | -0.0293% | 4,741 |
| Credit loss provision to net charge-offs | -200.9091% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7266% | 657 |
| Assets per employee ($millions) | 2.1214% | 5,362 |
| Cash dividends to net income (ytd only)* | 30.5646% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2205% | 2,502 |
| Loan loss allowance to noncurrent loans | 755.4762% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 3,889 |
| Noncurrent loans to loans | 0.1616% | 4,158 |
| Net loans and leases to total assets | 82.0700% | 702 |
| Net loans and leases to deposits | 95.7884% | 1,183 |
| Net loans and leases to core deposits | 103.3099% | 1,506 |
| Total domestic deposits to total assets | 85.6784% | 2,336 |
| Equity capital to assets | 9.5720% | 4,016 |
| Core capital (leverage) ratio | 9.8366% | 3,810 |
| Tier 1 risk-based capital ratio | 13.4370% | 3,661 |
| Total risk-based capital ratio | 14.6891% | 3,578 |
| Memoranda: |
| Average total assets | $603,011,500 | 1,195 |
| Average earning assets | $563,885,000 | 1,194 |
| Average equity | $57,008,250 | 1,382 |
| Average total loans | $500,122,250 | 1,048 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9508% | 917 |
| Cost of funding earning assets | 0.5208% | 2,832 |
| Net interest margin | 4.4301% | 797 |
| Noninterest income to average assets | 6.9199% | 73 |
| Noninterest expense to average assets | 9.3968% | 73 |
| Loan and lease loss provision to assets | 0.0504% | 2,909 |
| Net operating income to assets | 1.6103% | 898 |
| Return on assets (ROA) | 1.7628% | 637 |
| Pretax return on assets | 1.7628% | 1,062 |
| Return on Equity (ROE) | 18.7283% | 357 |
| Retained earnings to average equity (ytd only) | 14.0890% | 274 |
| Net charge-offs to loans | -0.0426% | 4,866 |
| Credit loss provision to net charge-offs | -142.8571% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9661% | 626 |
| Assets per employee ($millions) | 1.9566% | 5,447 |
| Cash dividends to net income (ytd only)* | 24.7713% | 2,819 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2025% | 2,695 |
| Loan loss allowance to noncurrent loans | 784.7309% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 4,031 |
| Noncurrent loans to loans | 0.1532% | 4,217 |
| Net loans and leases to total assets | 83.5864% | 516 |
| Net loans and leases to deposits | 109.6508% | 293 |
| Net loans and leases to core deposits | 113.6886% | 806 |
| Total domestic deposits to total assets | 76.2296% | 4,834 |
| Equity capital to assets | 9.4250% | 4,171 |
| Core capital (leverage) ratio | 9.8612% | 3,722 |
| Tier 1 risk-based capital ratio | 13.2065% | 3,787 |
| Total risk-based capital ratio | 14.4586% | 3,704 |
| Memoranda: |
| Average total assets | $595,413,670 | 1,211 |
| Average earning assets | $556,107,670 | 1,208 |
| Average equity | $56,043,670 | 1,398 |
| Average total loans | $493,515,000 | 1,062 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7950% | 1,094 |
| Cost of funding earning assets | 0.4381% | 3,306 |
| Net interest margin | 4.3569% | 843 |
| Noninterest income to average assets | 6.7957% | 78 |
| Noninterest expense to average assets | 9.0987% | 81 |
| Loan and lease loss provision to assets | 0.0513% | 2,752 |
| Net operating income to assets | 1.7122% | 671 |
| Return on assets (ROA) | 2.0227% | 355 |
| Pretax return on assets | 2.0227% | 546 |
| Return on Equity (ROE) | 21.5043% | 176 |
| Retained earnings to average equity (ytd only) | 12.0535% | 678 |
| Net charge-offs to loans | -0.0834% | 5,150 |
| Credit loss provision to net charge-offs | -75.0000% | 3,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7583% | 815 |
| Assets per employee ($millions) | 1.9346% | 5,509 |
| Cash dividends to net income (ytd only)* | 43.9486% | 1,699 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2622% | 2,449 |
| Loan loss allowance to noncurrent loans | 1,442.8904% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 4,299 |
| Noncurrent loans to loans | 0.0875% | 4,591 |
| Net loans and leases to total assets | 82.6057% | 585 |
| Net loans and leases to deposits | 103.6872% | 497 |
| Net loans and leases to core deposits | 106.0939% | 1,228 |
| Total domestic deposits to total assets | 79.6682% | 4,465 |
| Equity capital to assets | 9.5181% | 4,073 |
| Core capital (leverage) ratio | 10.1528% | 3,351 |
| Tier 1 risk-based capital ratio | 12.9980% | 3,945 |
| Total risk-based capital ratio | 14.2503% | 3,855 |
| Memoranda: |
| Average total assets | $584,962,000 | 1,244 |
| Average earning assets | $545,986,000 | 1,234 |
| Average equity | $55,021,500 | 1,427 |
| Average total loans | $479,559,000 | 1,098 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7726% | 1,024 |
| Cost of funding earning assets | 0.3663% | 3,550 |
| Net interest margin | 4.4063% | 752 |
| Noninterest income to average assets | 7.9835% | 72 |
| Noninterest expense to average assets | 10.6646% | 64 |
| Loan and lease loss provision to assets | 0.0069% | 4,128 |
| Net operating income to assets | 1.4183% | 976 |
| Return on assets (ROA) | 1.4198% | 996 |
| Pretax return on assets | 1.4198% | 1,928 |
| Return on Equity (ROE) | 14.3981% | 702 |
| Retained earnings to average equity (ytd only) | 4.4560% | 2,476 |
| Net charge-offs to loans | -0.0719% | 5,289 |
| Credit loss provision to net charge-offs | -11.9355% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1758% | 526 |
| Assets per employee ($millions) | 1.8242% | 5,585 |
| Cash dividends to net income (ytd only)* | 69.0517% | 1,322 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2833% | 2,304 |
| Loan loss allowance to noncurrent loans | 1,021.2224% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,443 |
| Noncurrent loans to loans | 0.1257% | 4,422 |
| Net loans and leases to total assets | 79.2633% | 1,071 |
| Net loans and leases to deposits | 98.3968% | 869 |
| Net loans and leases to core deposits | 99.7540% | 1,732 |
| Total domestic deposits to total assets | 80.5548% | 4,232 |
| Equity capital to assets | 9.2935% | 4,436 |
| Core capital (leverage) ratio | 10.0263% | 3,420 |
| Tier 1 risk-based capital ratio | 13.4751% | 3,641 |
| Total risk-based capital ratio | 14.7281% | 3,549 |
| Memoranda: |
| Average total assets | $535,490,400 | 1,312 |
| Average earning assets | $499,039,400 | 1,306 |
| Average equity | $52,805,600 | 1,458 |
| Average total loans | $431,012,400 | 1,161 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7554% | 1,015 |
| Cost of funding earning assets | 0.3599% | 3,570 |
| Net interest margin | 4.3955% | 737 |
| Noninterest income to average assets | 8.3718% | 74 |
| Noninterest expense to average assets | 10.8936% | 62 |
| Loan and lease loss provision to assets | 0.0138% | 3,874 |
| Net operating income to assets | 1.5584% | 788 |
| Return on assets (ROA) | 1.5604% | 802 |
| Pretax return on assets | 1.5604% | 1,543 |
| Return on Equity (ROE) | 15.5742% | 578 |
| Retained earnings to average equity (ytd only) | 2.2271% | 4,525 |
| Net charge-offs to loans | -0.0879% | 5,343 |
| Credit loss provision to net charge-offs | -19.4245% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3411% | 549 |
| Assets per employee ($millions) | 1.6382% | 5,659 |
| Cash dividends to net income (ytd only)* | 85.7003% | 515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3828% | 1,963 |
| Loan loss allowance to noncurrent loans | 601.2024% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 3,906 |
| Noncurrent loans to loans | 0.2300% | 4,144 |
| Net loans and leases to total assets | 80.8654% | 862 |
| Net loans and leases to deposits | 94.3460% | 1,262 |
| Net loans and leases to core deposits | 95.6252% | 2,117 |
| Total domestic deposits to total assets | 85.7115% | 2,425 |
| Equity capital to assets | 9.9819% | 3,928 |
| Core capital (leverage) ratio | 10.2070% | 3,305 |
| Tier 1 risk-based capital ratio | 13.6949% | 3,580 |
| Total risk-based capital ratio | 14.9486% | 3,510 |
| Memoranda: |
| Average total assets | $523,427,000 | 1,354 |
| Average earning assets | $487,515,250 | 1,347 |
| Average equity | $52,444,500 | 1,479 |
| Average total loans | $421,588,000 | 1,188 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6655% | 1,129 |
| Cost of funding earning assets | 0.3560% | 3,519 |
| Net interest margin | 4.3094% | 833 |
| Noninterest income to average assets | 8.8334% | 72 |
| Noninterest expense to average assets | 10.9802% | 59 |
| Loan and lease loss provision to assets | 0.0207% | 3,567 |
| Net operating income to assets | 1.8477% | 413 |
| Return on assets (ROA) | 1.8507% | 422 |
| Pretax return on assets | 1.8507% | 743 |
| Return on Equity (ROE) | 18.4480% | 296 |
| Retained earnings to average equity (ytd only) | 5.0688% | 2,668 |
| Net charge-offs to loans | -0.0992% | 5,410 |
| Credit loss provision to net charge-offs | -26.0870% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4107% | 735 |
| Assets per employee ($millions) | 1.6249% | 5,709 |
| Cash dividends to net income (ytd only)* | 72.5238% | 1,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4279% | 1,833 |
| Loan loss allowance to noncurrent loans | 309.1241% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 3,188 |
| Noncurrent loans to loans | 0.4619% | 3,357 |
| Net loans and leases to total assets | 78.7163% | 1,131 |
| Net loans and leases to deposits | 89.8796% | 1,745 |
| Net loans and leases to core deposits | 91.6216% | 2,369 |
| Total domestic deposits to total assets | 87.5797% | 1,674 |
| Equity capital to assets | 10.2439% | 3,627 |
| Core capital (leverage) ratio | 10.3756% | 3,045 |
| Tier 1 risk-based capital ratio | 14.5032% | 3,165 |
| Total risk-based capital ratio | 15.7576% | 3,084 |
| Memoranda: |
| Average total assets | $521,522,670 | 1,362 |
| Average earning assets | $485,909,000 | 1,353 |
| Average equity | $52,320,000 | 1,486 |
| Average total loans | $417,487,000 | 1,198 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5091% | 1,351 |
| Cost of funding earning assets | 0.3536% | 3,487 |
| Net interest margin | 4.1555% | 1,082 |
| Noninterest income to average assets | 8.5346% | 70 |
| Noninterest expense to average assets | 10.6184% | 63 |
| Loan and lease loss provision to assets | 0.1149% | 1,667 |
| Net operating income to assets | 1.6535% | 604 |
| Return on assets (ROA) | 1.6535% | 619 |
| Pretax return on assets | 1.6535% | 1,113 |
| Return on Equity (ROE) | 16.6565% | 445 |
| Retained earnings to average equity (ytd only) | 1.2267% | 4,585 |
| Net charge-offs to loans | -0.0688% | 5,318 |
| Credit loss provision to net charge-offs | -208.3333% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6745% | 823 |
| Assets per employee ($millions) | 1.6613% | 5,772 |
| Cash dividends to net income (ytd only)* | 92.6355% | 793 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4733% | 1,787 |
| Loan loss allowance to noncurrent loans | 202.8237% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.8238% | 2,234 |
| Noncurrent loans to loans | 0.7264% | 2,683 |
| Net loans and leases to total assets | 76.7320% | 1,300 |
| Net loans and leases to deposits | 87.4670% | 1,865 |
| Net loans and leases to core deposits | 88.9275% | 2,462 |
| Total domestic deposits to total assets | 87.7267% | 1,874 |
| Equity capital to assets | 10.0991% | 3,626 |
| Core capital (leverage) ratio | 10.5163% | 2,890 |
| Tier 1 risk-based capital ratio | 14.5712% | 3,167 |
| Total risk-based capital ratio | 15.8261% | 3,095 |
| Memoranda: |
| Average total assets | $522,299,000 | 1,365 |
| Average earning assets | $484,174,500 | 1,360 |
| Average equity | $51,847,500 | 1,490 |
| Average total loans | $418,615,500 | 1,201 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9283% | 691 |
| Cost of funding earning assets | 0.3698% | 3,318 |
| Net interest margin | 4.5585% | 542 |
| Noninterest income to average assets | 10.3865% | 61 |
| Noninterest expense to average assets | 11.9032% | 59 |
| Loan and lease loss provision to assets | 0.0504% | 3,382 |
| Net operating income to assets | 2.6554% | 115 |
| Return on assets (ROA) | 2.6554% | 118 |
| Pretax return on assets | 2.6554% | 161 |
| Return on Equity (ROE) | 26.2652% | 63 |
| Retained earnings to average equity (ytd only) | 11.5038% | 256 |
| Net charge-offs to loans | -0.1183% | 5,633 |
| Credit loss provision to net charge-offs | -51.3458% | 4,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4357% | 1,266 |
| Assets per employee ($millions) | 1.7708% | 5,820 |
| Cash dividends to net income (ytd only)* | 56.2013% | 1,968 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2957% | 2,566 |
| Loan loss allowance to noncurrent loans | 176.5182% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 2,200 |
| Noncurrent loans to loans | 0.7340% | 2,691 |
| Net loans and leases to total assets | 81.2745% | 701 |
| Net loans and leases to deposits | 103.2589% | 451 |
| Net loans and leases to core deposits | 105.0131% | 1,204 |
| Total domestic deposits to total assets | 78.7094% | 4,864 |
| Equity capital to assets | 9.7603% | 3,997 |
| Core capital (leverage) ratio | 10.1462% | 3,309 |
| Tier 1 risk-based capital ratio | 14.1337% | 3,391 |
| Total risk-based capital ratio | 15.3873% | 3,311 |
| Memoranda: |
| Average total assets | $492,506,800 | 1,401 |
| Average earning assets | $456,200,800 | 1,401 |
| Average equity | $49,792,200 | 1,522 |
| Average total loans | $408,435,800 | 1,183 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0035% | 598 |
| Cost of funding earning assets | 0.3696% | 3,333 |
| Net interest margin | 4.6338% | 477 |
| Noninterest income to average assets | 10.8733% | 60 |
| Noninterest expense to average assets | 12.0909% | 56 |
| Loan and lease loss provision to assets | 0.1066% | 2,154 |
| Net operating income to assets | 2.9686% | 92 |
| Return on assets (ROA) | 2.9686% | 96 |
| Pretax return on assets | 2.9686% | 130 |
| Return on Equity (ROE) | 29.0864% | 46 |
| Retained earnings to average equity (ytd only) | 15.9637% | 108 |
| Net charge-offs to loans | -0.1183% | 5,632 |
| Credit loss provision to net charge-offs | -108.4270% | 4,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6814% | 1,476 |
| Assets per employee ($millions) | 1.9047% | 5,870 |
| Cash dividends to net income (ytd only)* | 45.1163% | 2,121 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2889% | 2,749 |
| Loan loss allowance to noncurrent loans | 180.5149% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 2,273 |
| Noncurrent loans to loans | 0.7140% | 2,895 |
| Net loans and leases to total assets | 81.8427% | 642 |
| Net loans and leases to deposits | 106.5601% | 359 |
| Net loans and leases to core deposits | 108.4188% | 1,021 |
| Total domestic deposits to total assets | 76.8043% | 5,119 |
| Equity capital to assets | 9.8285% | 4,326 |
| Core capital (leverage) ratio | 10.4996% | 3,000 |
| Tier 1 risk-based capital ratio | 14.1687% | 3,471 |
| Total risk-based capital ratio | 15.4224% | 3,395 |
| Memoranda: |
| Average total assets | $482,820,000 | 1,429 |
| Average earning assets | $447,279,500 | 1,426 |
| Average equity | $49,277,250 | 1,544 |
| Average total loans | $401,184,250 | 1,199 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0111% | 580 |
| Cost of funding earning assets | 0.3660% | 3,394 |
| Net interest margin | 4.6451% | 465 |
| Noninterest income to average assets | 10.9489% | 58 |
| Noninterest expense to average assets | 12.3042% | 57 |
| Loan and lease loss provision to assets | 0.1042% | 2,111 |
| Net operating income to assets | 2.8434% | 97 |
| Return on assets (ROA) | 2.8434% | 97 |
| Pretax return on assets | 2.8434% | 135 |
| Return on Equity (ROE) | 27.4740% | 63 |
| Retained earnings to average equity (ytd only) | 15.6710% | 125 |
| Net charge-offs to loans | -0.1701% | 5,777 |
| Credit loss provision to net charge-offs | -73.6364% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6289% | 1,423 |
| Assets per employee ($millions) | 1.7039% | 5,969 |
| Cash dividends to net income (ytd only)* | 42.9605% | 2,293 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3473% | 2,542 |
| Loan loss allowance to noncurrent loans | 129.3731% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.1893% | 1,748 |
| Noncurrent loans to loans | 1.0414% | 2,200 |
| Net loans and leases to total assets | 81.6503% | 665 |
| Net loans and leases to deposits | 103.9485% | 463 |
| Net loans and leases to core deposits | 105.5077% | 1,220 |
| Total domestic deposits to total assets | 78.5488% | 4,883 |
| Equity capital to assets | 10.1497% | 4,028 |
| Core capital (leverage) ratio | 11.1799% | 2,257 |
| Tier 1 risk-based capital ratio | 14.5785% | 3,273 |
| Total risk-based capital ratio | 15.8328% | 3,202 |
| Memoranda: |
| Average total assets | $466,622,330 | 1,473 |
| Average earning assets | $432,237,330 | 1,472 |
| Average equity | $48,293,000 | 1,572 |
| Average total loans | $388,045,000 | 1,233 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0747% | 511 |
| Cost of funding earning assets | 0.3710% | 3,387 |
| Net interest margin | 4.7037% | 419 |
| Noninterest income to average assets | 10.0622% | 59 |
| Noninterest expense to average assets | 11.6707% | 60 |
| Loan and lease loss provision to assets | 0.0866% | 2,236 |
| Net operating income to assets | 2.6728% | 127 |
| Return on assets (ROA) | 2.6728% | 127 |
| Pretax return on assets | 2.6728% | 183 |
| Return on Equity (ROE) | 25.5561% | 94 |
| Retained earnings to average equity (ytd only) | 16.2660% | 184 |
| Net charge-offs to loans | -0.1144% | 5,690 |
| Credit loss provision to net charge-offs | -90.7407% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8288% | 1,504 |
| Assets per employee ($millions) | 1.6152% | 6,040 |
| Cash dividends to net income (ytd only)* | 36.3516% | 2,201 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3613% | 2,598 |
| Loan loss allowance to noncurrent loans | 121.6702% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3779% | 1,520 |
| Noncurrent loans to loans | 1.1188% | 2,158 |
| Net loans and leases to total assets | 82.1059% | 546 |
| Net loans and leases to deposits | 97.1458% | 827 |
| Net loans and leases to core deposits | 98.7626% | 1,580 |
| Total domestic deposits to total assets | 84.5182% | 3,309 |
| Equity capital to assets | 10.6451% | 3,317 |
| Core capital (leverage) ratio | 11.0506% | 2,356 |
| Tier 1 risk-based capital ratio | 15.5763% | 2,875 |
| Total risk-based capital ratio | 16.8314% | 2,805 |
| Memoranda: |
| Average total assets | $452,861,500 | 1,512 |
| Average earning assets | $420,516,000 | 1,507 |
| Average equity | $47,362,500 | 1,593 |
| Average total loans | $377,577,500 | 1,250 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4908% | 265 |
| Cost of funding earning assets | 0.4462% | 2,664 |
| Net interest margin | 5.0446% | 233 |
| Noninterest income to average assets | 9.5077% | 69 |
| Noninterest expense to average assets | 11.5224% | 64 |
| Loan and lease loss provision to assets | -0.0024% | 5,599 |
| Net operating income to assets | 2.6158% | 132 |
| Return on assets (ROA) | 2.6158% | 132 |
| Pretax return on assets | 2.6170% | 170 |
| Return on Equity (ROE) | 24.6412% | 111 |
| Retained earnings to average equity (ytd only) | 11.6876% | 277 |
| Net charge-offs to loans | -0.0261% | 5,353 |
| Credit loss provision to net charge-offs | 11.1111% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4525% | 1,480 |
| Assets per employee ($millions) | 1.6797% | 6,090 |
| Cash dividends to net income (ytd only)* | 52.5690% | 2,156 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3083% | 2,850 |
| Loan loss allowance to noncurrent loans | 121.3917% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4990% | 1,348 |
| Noncurrent loans to loans | 1.0778% | 2,186 |
| Net loans and leases to total assets | 82.4208% | 554 |
| Net loans and leases to deposits | 102.3754% | 527 |
| Net loans and leases to core deposits | 105.4030% | 1,138 |
| Total domestic deposits to total assets | 80.5084% | 4,606 |
| Equity capital to assets | 10.2711% | 3,658 |
| Core capital (leverage) ratio | 10.7686% | 2,635 |
| Tier 1 risk-based capital ratio | 15.2972% | 3,038 |
| Total risk-based capital ratio | 16.5518% | 2,975 |
| Memoranda: |
| Average total assets | $418,143,600 | 1,583 |
| Average earning assets | $383,714,800 | 1,590 |
| Average equity | $44,389,000 | 1,662 |
| Average total loans | $344,540,400 | 1,308 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5413% | 243 |
| Cost of funding earning assets | 0.4691% | 2,508 |
| Net interest margin | 5.0722% | 219 |
| Noninterest income to average assets | 10.1635% | 66 |
| Noninterest expense to average assets | 11.7235% | 66 |
| Loan and lease loss provision to assets | -0.0218% | 5,851 |
| Net operating income to assets | 3.0980% | 84 |
| Return on assets (ROA) | 3.0980% | 84 |
| Pretax return on assets | 3.0996% | 113 |
| Return on Equity (ROE) | 28.9240% | 63 |
| Retained earnings to average equity (ytd only) | 11.4542% | 419 |
| Net charge-offs to loans | -0.1946% | 5,983 |
| Credit loss provision to net charge-offs | 13.6456% | 3,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1553% | 1,781 |
| Assets per employee ($millions) | 1.6562% | 6,180 |
| Cash dividends to net income (ytd only)* | 60.3992% | 1,397 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4734% | 2,265 |
| Loan loss allowance to noncurrent loans | 66.1282% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.5605% | 656 |
| Noncurrent loans to loans | 2.2281% | 979 |
| Net loans and leases to total assets | 80.4594% | 753 |
| Net loans and leases to deposits | 104.4988% | 430 |
| Net loans and leases to core deposits | 109.1634% | 923 |
| Total domestic deposits to total assets | 76.9955% | 5,338 |
| Equity capital to assets | 10.2549% | 3,871 |
| Core capital (leverage) ratio | 10.7951% | 2,721 |
| Tier 1 risk-based capital ratio | 14.7547% | 3,411 |
| Total risk-based capital ratio | 16.0107% | 3,359 |
| Memoranda: |
| Average total assets | $409,719,250 | 1,617 |
| Average earning assets | $374,632,500 | 1,636 |
| Average equity | $43,884,000 | 1,691 |
| Average total loans | $336,338,500 | 1,333 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4278% | 301 |
| Cost of funding earning assets | 0.4929% | 2,317 |
| Net interest margin | 4.9349% | 281 |
| Noninterest income to average assets | 10.2932% | 69 |
| Noninterest expense to average assets | 11.4087% | 69 |
| Loan and lease loss provision to assets | 0.0795% | 2,522 |
| Net operating income to assets | 3.3076% | 79 |
| Return on assets (ROA) | 3.3076% | 82 |
| Pretax return on assets | 3.3101% | 110 |
| Return on Equity (ROE) | 30.4075% | 64 |
| Retained earnings to average equity (ytd only) | 15.4681% | 169 |
| Net charge-offs to loans | -0.3325% | 6,140 |
| Credit loss provision to net charge-offs | -29.0676% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0408% | 2,198 |
| Assets per employee ($millions) | 1.7112% | 6,252 |
| Cash dividends to net income (ytd only)* | 49.1308% | 1,976 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6080% | 1,880 |
| Loan loss allowance to noncurrent loans | 89.6824% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.2228% | 932 |
| Noncurrent loans to loans | 1.7930% | 1,432 |
| Net loans and leases to total assets | 81.1905% | 645 |
| Net loans and leases to deposits | 104.0328% | 451 |
| Net loans and leases to core deposits | 109.9164% | 840 |
| Total domestic deposits to total assets | 78.0431% | 5,278 |
| Equity capital to assets | 10.6415% | 3,280 |
| Core capital (leverage) ratio | 11.2231% | 2,225 |
| Tier 1 risk-based capital ratio | 15.4381% | 3,136 |
| Total risk-based capital ratio | 16.6967% | 3,072 |
| Memoranda: |
| Average total assets | $399,992,000 | 1,669 |
| Average earning assets | $365,156,670 | 1,681 |
| Average equity | $43,509,000 | 1,710 |
| Average total loans | $328,978,670 | 1,358 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4209% | 288 |
| Cost of funding earning assets | 0.4856% | 2,415 |
| Net interest margin | 4.9354% | 276 |
| Noninterest income to average assets | 11.2366% | 65 |
| Noninterest expense to average assets | 11.1475% | 71 |
| Loan and lease loss provision to assets | 0.1752% | 1,109 |
| Net operating income to assets | 4.4082% | 53 |
| Return on assets (ROA) | 4.4082% | 56 |
| Pretax return on assets | 4.4133% | 75 |
| Return on Equity (ROE) | 40.0591% | 35 |
| Retained earnings to average equity (ytd only) | 28.4194% | 27 |
| Net charge-offs to loans | -0.7726% | 6,298 |
| Credit loss provision to net charge-offs | -27.6252% | 4,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7886% | 3,355 |
| Assets per employee ($millions) | 1.7185% | 6,317 |
| Cash dividends to net income (ytd only)* | 29.0563% | 2,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6379% | 1,929 |
| Loan loss allowance to noncurrent loans | 77.5992% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 2.3379% | 945 |
| Noncurrent loans to loans | 2.1108% | 1,221 |
| Net loans and leases to total assets | 81.8292% | 480 |
| Net loans and leases to deposits | 101.5532% | 480 |
| Net loans and leases to core deposits | 107.4038% | 851 |
| Total domestic deposits to total assets | 80.5777% | 4,921 |
| Equity capital to assets | 11.1076% | 2,852 |
| Core capital (leverage) ratio | 11.9929% | 1,643 |
| Tier 1 risk-based capital ratio | 15.7544% | 3,035 |
| Total risk-based capital ratio | 17.0129% | 2,972 |
| Memoranda: |
| Average total assets | $390,365,500 | 1,708 |
| Average earning assets | $355,881,000 | 1,725 |
| Average equity | $42,956,500 | 1,728 |
| Average total loans | $320,493,000 | 1,398 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4955% | 317 |
| Cost of funding earning assets | 0.5711% | 2,036 |
| Net interest margin | 4.9244% | 341 |
| Noninterest income to average assets | 8.1457% | 79 |
| Noninterest expense to average assets | 10.4370% | 70 |
| Loan and lease loss provision to assets | 0.0867% | 2,736 |
| Net operating income to assets | 2.0822% | 285 |
| Return on assets (ROA) | 2.0822% | 292 |
| Pretax return on assets | 2.0836% | 429 |
| Return on Equity (ROE) | 19.6946% | 271 |
| Retained earnings to average equity (ytd only) | 12.3880% | 269 |
| Net charge-offs to loans | 0.2127% | 1,966 |
| Credit loss provision to net charge-offs | 52.3732% | 3,434 |
| Earnings coverage of net charge-offs (x) | 13.1047% | 2,305 |
| Efficiency ratio | 82.7184% | 1,565 |
| Assets per employee ($millions) | 1.6536% | 6,416 |
| Cash dividends to net income (ytd only)* | 37.0997% | 3,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5775% | 2,166 |
| Loan loss allowance to noncurrent loans | 69.8547% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 2.7316% | 802 |
| Noncurrent loans to loans | 2.2583% | 1,161 |
| Net loans and leases to total assets | 79.6750% | 780 |
| Net loans and leases to deposits | 98.3583% | 734 |
| Net loans and leases to core deposits | 100.6326% | 1,347 |
| Total domestic deposits to total assets | 81.0049% | 4,751 |
| Equity capital to assets | 10.8953% | 3,020 |
| Core capital (leverage) ratio | 10.7918% | 2,621 |
| Tier 1 risk-based capital ratio | 15.8043% | 3,058 |
| Total risk-based capital ratio | 17.0622% | 3,001 |
| Memoranda: |
| Average total assets | $368,929,200 | 1,760 |
| Average earning assets | $334,255,600 | 1,795 |
| Average equity | $39,005,600 | 1,816 |
| Average total loans | $287,206,800 | 1,485 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4175% | 364 |
| Cost of funding earning assets | 0.5730% | 2,081 |
| Net interest margin | 4.8445% | 386 |
| Noninterest income to average assets | 8.0571% | 78 |
| Noninterest expense to average assets | 10.3152% | 70 |
| Loan and lease loss provision to assets | 0.0896% | 2,564 |
| Net operating income to assets | 2.0319% | 330 |
| Return on assets (ROA) | 2.0319% | 342 |
| Pretax return on assets | 2.0338% | 527 |
| Return on Equity (ROE) | 19.3723% | 319 |
| Retained earnings to average equity (ytd only) | 11.5595% | 449 |
| Net charge-offs to loans | 0.2553% | 1,519 |
| Credit loss provision to net charge-offs | 45.5556% | 3,186 |
| Earnings coverage of net charge-offs (x) | 10.7963% | 2,501 |
| Efficiency ratio | 82.8619% | 1,512 |
| Assets per employee ($millions) | 1.6827% | 6,491 |
| Cash dividends to net income (ytd only)* | 40.3299% | 2,335 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5612% | 2,451 |
| Loan loss allowance to noncurrent loans | 85.7319% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.6215% | 981 |
| Noncurrent loans to loans | 1.8210% | 1,767 |
| Net loans and leases to total assets | 81.5806% | 551 |
| Net loans and leases to deposits | 100.5918% | 580 |
| Net loans and leases to core deposits | 102.8684% | 1,159 |
| Total domestic deposits to total assets | 81.1006% | 4,796 |
| Equity capital to assets | 10.6393% | 3,382 |
| Core capital (leverage) ratio | 10.5349% | 3,009 |
| Tier 1 risk-based capital ratio | 14.7477% | 3,735 |
| Total risk-based capital ratio | 16.0045% | 3,671 |
| Memoranda: |
| Average total assets | $366,079,000 | 1,791 |
| Average earning assets | $331,091,500 | 1,824 |
| Average equity | $38,397,500 | 1,846 |
| Average total loans | $282,037,250 | 1,513 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3398% | 408 |
| Cost of funding earning assets | 0.5810% | 2,064 |
| Net interest margin | 4.7587% | 441 |
| Noninterest income to average assets | 8.1625% | 80 |
| Noninterest expense to average assets | 10.5668% | 69 |
| Loan and lease loss provision to assets | 0.0501% | 3,299 |
| Net operating income to assets | 1.8428% | 448 |
| Return on assets (ROA) | 1.8428% | 463 |
| Pretax return on assets | 1.8456% | 762 |
| Return on Equity (ROE) | 17.6568% | 492 |
| Retained earnings to average equity (ytd only) | 12.3783% | 387 |
| Net charge-offs to loans | 0.2717% | 1,458 |
| Credit loss provision to net charge-offs | 24.5946% | 3,126 |
| Earnings coverage of net charge-offs (x) | 9.3000% | 2,375 |
| Efficiency ratio | 84.7177% | 1,424 |
| Assets per employee ($millions) | 1.6447% | 6,558 |
| Cash dividends to net income (ytd only)* | 29.8954% | 2,790 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6810% | 2,178 |
| Loan loss allowance to noncurrent loans | 97.4005% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 2.7283% | 961 |
| Noncurrent loans to loans | 1.7259% | 2,001 |
| Net loans and leases to total assets | 76.9888% | 1,052 |
| Net loans and leases to deposits | 91.9486% | 1,157 |
| Net loans and leases to core deposits | 94.2276% | 1,751 |
| Total domestic deposits to total assets | 83.7304% | 4,024 |
| Equity capital to assets | 10.5199% | 3,420 |
| Core capital (leverage) ratio | 10.4124% | 3,072 |
| Tier 1 risk-based capital ratio | 16.0623% | 3,059 |
| Total risk-based capital ratio | 17.3219% | 2,991 |
| Memoranda: |
| Average total assets | $363,025,330 | 1,803 |
| Average earning assets | $328,029,670 | 1,833 |
| Average equity | $37,889,000 | 1,859 |
| Average total loans | $272,390,330 | 1,571 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3677% | 368 |
| Cost of funding earning assets | 0.5891% | 2,073 |
| Net interest margin | 4.7786% | 400 |
| Noninterest income to average assets | 6.5544% | 90 |
| Noninterest expense to average assets | 9.5140% | 83 |
| Loan and lease loss provision to assets | 0.1825% | 1,313 |
| Net operating income to assets | 1.1627% | 1,585 |
| Return on assets (ROA) | 1.1627% | 1,657 |
| Pretax return on assets | 1.1627% | 2,650 |
| Return on Equity (ROE) | 11.1857% | 1,626 |
| Retained earnings to average equity (ytd only) | 11.1857% | 719 |
| Net charge-offs to loans | -0.0091% | 5,022 |
| Credit loss provision to net charge-offs | -2,733.3333% | 5,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5307% | 1,280 |
| Assets per employee ($millions) | 1.6559% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9684% | 1,577 |
| Loan loss allowance to noncurrent loans | 81.8938% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 3.4623% | 755 |
| Noncurrent loans to loans | 2.4036% | 1,460 |
| Net loans and leases to total assets | 72.7172% | 1,459 |
| Net loans and leases to deposits | 86.1742% | 1,585 |
| Net loans and leases to core deposits | 88.3284% | 2,057 |
| Total domestic deposits to total assets | 84.3840% | 4,130 |
| Equity capital to assets | 10.3181% | 3,439 |
| Core capital (leverage) ratio | 10.2168% | 3,268 |
| Tier 1 risk-based capital ratio | 16.3710% | 2,959 |
| Total risk-based capital ratio | 17.6343% | 2,927 |
| Memoranda: |
| Average total assets | $359,512,500 | 1,830 |
| Average earning assets | $323,863,000 | 1,860 |
| Average equity | $37,369,000 | 1,877 |
| Average total loans | $263,701,000 | 1,615 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6684% | 279 |
| Cost of funding earning assets | 0.7460% | 1,521 |
| Net interest margin | 4.9224% | 345 |
| Noninterest income to average assets | 8.9341% | 74 |
| Noninterest expense to average assets | 10.8304% | 70 |
| Loan and lease loss provision to assets | 0.3473% | 915 |
| Net operating income to assets | 2.0541% | 310 |
| Return on assets (ROA) | 2.0541% | 312 |
| Pretax return on assets | 2.0555% | 429 |
| Return on Equity (ROE) | 19.5804% | 306 |
| Retained earnings to average equity (ytd only) | 2.2243% | 4,665 |
| Net charge-offs to loans | 0.4699% | 1,420 |
| Credit loss provision to net charge-offs | 104.6414% | 2,312 |
| Earnings coverage of net charge-offs (x) | 7.2388% | 2,885 |
| Efficiency ratio | 81.7726% | 1,909 |
| Assets per employee ($millions) | 1.5160% | 6,717 |
| Cash dividends to net income (ytd only)* | 88.6404% | 677 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0021% | 1,545 |
| Loan loss allowance to noncurrent loans | 118.5586% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 3.2734% | 924 |
| Noncurrent loans to loans | 1.6887% | 2,379 |
| Net loans and leases to total assets | 71.0481% | 1,830 |
| Net loans and leases to deposits | 83.8019% | 1,964 |
| Net loans and leases to core deposits | 85.6482% | 2,490 |
| Total domestic deposits to total assets | 84.7809% | 3,857 |
| Equity capital to assets | 10.4727% | 3,197 |
| Core capital (leverage) ratio | 10.3789% | 3,049 |
| Tier 1 risk-based capital ratio | 16.7451% | 2,740 |
| Total risk-based capital ratio | 18.0086% | 2,688 |
| Memoranda: |
| Average total assets | $356,993,600 | 1,817 |
| Average earning assets | $311,800,200 | 1,901 |
| Average equity | $37,450,800 | 1,852 |
| Average total loans | $252,207,000 | 1,648 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6429% | 300 |
| Cost of funding earning assets | 0.7655% | 1,515 |
| Net interest margin | 4.8774% | 380 |
| Noninterest income to average assets | 9.9483% | 71 |
| Noninterest expense to average assets | 11.5697% | 67 |
| Loan and lease loss provision to assets | 0.2200% | 1,655 |
| Net operating income to assets | 2.3884% | 194 |
| Return on assets (ROA) | 2.3884% | 206 |
| Pretax return on assets | 2.3902% | 277 |
| Return on Equity (ROE) | 22.7570% | 175 |
| Retained earnings to average equity (ytd only) | 3.2155% | 4,387 |
| Net charge-offs to loans | 0.4170% | 1,537 |
| Credit loss provision to net charge-offs | 75.1592% | 2,961 |
| Earnings coverage of net charge-offs (x) | 8.9172% | 2,557 |
| Efficiency ratio | 81.5263% | 1,894 |
| Assets per employee ($millions) | 1.5571% | 6,785 |
| Cash dividends to net income (ytd only)* | 85.8704% | 650 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0410% | 1,631 |
| Loan loss allowance to noncurrent loans | 100.1415% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 4.2859% | 712 |
| Noncurrent loans to loans | 2.0381% | 2,210 |
| Net loans and leases to total assets | 64.6900% | 2,877 |
| Net loans and leases to deposits | 78.6516% | 2,566 |
| Net loans and leases to core deposits | 80.3036% | 3,098 |
| Total domestic deposits to total assets | 82.2488% | 4,850 |
| Equity capital to assets | 10.1280% | 3,733 |
| Core capital (leverage) ratio | 10.0360% | 3,630 |
| Tier 1 risk-based capital ratio | 17.6364% | 2,468 |
| Total risk-based capital ratio | 18.8863% | 2,433 |
| Memoranda: |
| Average total assets | $357,558,750 | 1,823 |
| Average earning assets | $310,212,750 | 1,924 |
| Average equity | $37,526,000 | 1,861 |
| Average total loans | $250,963,750 | 1,660 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0534% | 168 |
| Cost of funding earning assets | 0.7752% | 1,555 |
| Net interest margin | 5.2782% | 192 |
| Noninterest income to average assets | 9.7423% | 71 |
| Noninterest expense to average assets | 11.2282% | 68 |
| Loan and lease loss provision to assets | 0.4680% | 606 |
| Net operating income to assets | 2.5948% | 153 |
| Return on assets (ROA) | 2.5948% | 166 |
| Pretax return on assets | 2.5976% | 251 |
| Return on Equity (ROE) | 24.4284% | 133 |
| Retained earnings to average equity (ytd only) | 8.4830% | 1,298 |
| Net charge-offs to loans | 0.6314% | 1,045 |
| Credit loss provision to net charge-offs | 103.4956% | 2,137 |
| Earnings coverage of net charge-offs (x) | 6.7790% | 2,659 |
| Efficiency ratio | 78.4857% | 2,380 |
| Assets per employee ($millions) | 1.5955% | 6,829 |
| Cash dividends to net income (ytd only)* | 65.2742% | 1,346 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9454% | 1,980 |
| Loan loss allowance to noncurrent loans | 85.5254% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 5.1360% | 591 |
| Noncurrent loans to loans | 2.2746% | 2,087 |
| Net loans and leases to total assets | 72.6727% | 1,453 |
| Net loans and leases to deposits | 87.7003% | 1,377 |
| Net loans and leases to core deposits | 89.6458% | 1,937 |
| Total domestic deposits to total assets | 82.8648% | 4,753 |
| Equity capital to assets | 10.6044% | 3,168 |
| Core capital (leverage) ratio | 10.4690% | 2,923 |
| Tier 1 risk-based capital ratio | 17.0770% | 2,686 |
| Total risk-based capital ratio | 18.3407% | 2,653 |
| Memoranda: |
| Average total assets | $354,250,000 | 1,841 |
| Average earning assets | $305,483,670 | 1,956 |
| Average equity | $37,628,330 | 1,866 |
| Average total loans | $253,725,330 | 1,637 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5801% | 323 |
| Cost of funding earning assets | 0.7629% | 1,766 |
| Net interest margin | 4.8172% | 390 |
| Noninterest income to average assets | 8.6359% | 79 |
| Noninterest expense to average assets | 10.7389% | 73 |
| Loan and lease loss provision to assets | 0.3285% | 1,023 |
| Net operating income to assets | 1.7188% | 560 |
| Return on assets (ROA) | 1.7188% | 621 |
| Pretax return on assets | 1.7245% | 1,018 |
| Return on Equity (ROE) | 16.1677% | 588 |
| Retained earnings to average equity (ytd only) | 16.1677% | 266 |
| Net charge-offs to loans | 0.9469% | 649 |
| Credit loss provision to net charge-offs | 49.3174% | 2,613 |
| Earnings coverage of net charge-offs (x) | 3.0819% | 2,845 |
| Efficiency ratio | 83.8887% | 1,783 |
| Assets per employee ($millions) | 1.5303% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9773% | 2,106 |
| Loan loss allowance to noncurrent loans | 54.5669% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 6.0236% | 530 |
| Noncurrent loans to loans | 3.6236% | 1,311 |
| Net loans and leases to total assets | 68.3226% | 1,952 |
| Net loans and leases to deposits | 81.3756% | 1,914 |
| Net loans and leases to core deposits | 83.4378% | 2,398 |
| Total domestic deposits to total assets | 83.9596% | 4,492 |
| Equity capital to assets | 10.8316% | 3,166 |
| Core capital (leverage) ratio | 10.6559% | 2,590 |
| Tier 1 risk-based capital ratio | 18.0085% | 2,356 |
| Total risk-based capital ratio | 19.2718% | 2,317 |
| Memoranda: |
| Average total assets | $351,879,000 | 1,880 |
| Average earning assets | $303,579,500 | 1,985 |
| Average equity | $37,408,000 | 1,896 |
| Average total loans | $247,555,500 | 1,682 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9088% | 307 |
| Cost of funding earning assets | 0.9259% | 1,781 |
| Net interest margin | 4.9829% | 396 |
| Noninterest income to average assets | 6.9781% | 100 |
| Noninterest expense to average assets | 8.1160% | 111 |
| Loan and lease loss provision to assets | 0.8848% | 515 |
| Net operating income to assets | 2.1797% | 264 |
| Return on assets (ROA) | 2.1797% | 290 |
| Pretax return on assets | 2.1811% | 429 |
| Return on Equity (ROE) | 22.2791% | 207 |
| Retained earnings to average equity (ytd only) | 12.7141% | 268 |
| Net charge-offs to loans | 0.9346% | 1,194 |
| Credit loss provision to net charge-offs | 135.4938% | 2,055 |
| Earnings coverage of net charge-offs (x) | 4.6949% | 3,286 |
| Efficiency ratio | 72.5145% | 3,320 |
| Assets per employee ($millions) | 1.4476% | 6,992 |
| Cash dividends to net income (ytd only)* | 42.9326% | 2,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0610% | 1,856 |
| Loan loss allowance to noncurrent loans | 45.8742% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 6.6064% | 496 |
| Noncurrent loans to loans | 4.4928% | 952 |
| Net loans and leases to total assets | 69.5410% | 1,932 |
| Net loans and leases to deposits | 82.3723% | 1,952 |
| Net loans and leases to core deposits | 84.5190% | 2,487 |
| Total domestic deposits to total assets | 84.4228% | 4,113 |
| Equity capital to assets | 10.4302% | 3,615 |
| Core capital (leverage) ratio | 10.2316% | 3,097 |
| Tier 1 risk-based capital ratio | 17.3412% | 2,507 |
| Total risk-based capital ratio | 18.6063% | 2,476 |
| Memoranda: |
| Average total assets | $347,303,000 | 1,863 |
| Average earning assets | $293,002,400 | 2,016 |
| Average equity | $33,978,000 | 2,032 |
| Average total loans | $242,682,000 | 1,701 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8548% | 364 |
| Cost of funding earning assets | 0.9642% | 1,761 |
| Net interest margin | 4.8906% | 482 |
| Noninterest income to average assets | 5.8129% | 125 |
| Noninterest expense to average assets | 7.0211% | 143 |
| Loan and lease loss provision to assets | 1.1235% | 338 |
| Net operating income to assets | 1.7690% | 608 |
| Return on assets (ROA) | 1.7690% | 675 |
| Pretax return on assets | 1.7709% | 1,115 |
| Return on Equity (ROE) | 18.3901% | 457 |
| Retained earnings to average equity (ytd only) | 10.3822% | 818 |
| Net charge-offs to loans | 1.1894% | 830 |
| Credit loss provision to net charge-offs | 135.7376% | 2,124 |
| Earnings coverage of net charge-offs (x) | 3.4970% | 3,619 |
| Efficiency ratio | 70.7361% | 3,552 |
| Assets per employee ($millions) | 1.6178% | 7,070 |
| Cash dividends to net income (ytd only)* | 43.5445% | 2,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8769% | 2,556 |
| Loan loss allowance to noncurrent loans | 29.8777% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 8.3250% | 360 |
| Noncurrent loans to loans | 6.2819% | 625 |
| Net loans and leases to total assets | 76.3870% | 909 |
| Net loans and leases to deposits | 93.2424% | 848 |
| Net loans and leases to core deposits | 95.6686% | 1,435 |
| Total domestic deposits to total assets | 81.9230% | 5,054 |
| Equity capital to assets | 9.9313% | 4,604 |
| Core capital (leverage) ratio | 9.7170% | 3,927 |
| Tier 1 risk-based capital ratio | 16.1985% | 3,171 |
| Total risk-based capital ratio | 17.4631% | 3,128 |
| Memoranda: |
| Average total assets | $346,184,250 | 1,895 |
| Average earning assets | $290,399,250 | 2,059 |
| Average equity | $33,299,750 | 2,087 |
| Average total loans | $240,908,000 | 1,724 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6982% | 485 |
| Cost of funding earning assets | 1.0179% | 1,663 |
| Net interest margin | 4.6803% | 703 |
| Noninterest income to average assets | 4.8456% | 140 |
| Noninterest expense to average assets | 6.5246% | 173 |
| Loan and lease loss provision to assets | 0.6587% | 862 |
| Net operating income to assets | 1.5487% | 912 |
| Return on assets (ROA) | 1.5487% | 1,020 |
| Pretax return on assets | 1.5516% | 1,706 |
| Return on Equity (ROE) | 16.2813% | 728 |
| Retained earnings to average equity (ytd only) | 4.0581% | 3,907 |
| Net charge-offs to loans | 1.4471% | 699 |
| Credit loss provision to net charge-offs | 68.1709% | 3,612 |
| Earnings coverage of net charge-offs (x) | 2.2876% | 3,853 |
| Efficiency ratio | 74.6023% | 2,966 |
| Assets per employee ($millions) | 1.9293% | 7,072 |
| Cash dividends to net income (ytd only)* | 75.0751% | 933 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6498% | 3,428 |
| Loan loss allowance to noncurrent loans | 22.1088% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 9.0487% | 336 |
| Noncurrent loans to loans | 7.4622% | 494 |
| Net loans and leases to total assets | 66.5620% | 2,554 |
| Net loans and leases to deposits | 78.0372% | 2,659 |
| Net loans and leases to core deposits | 79.9385% | 3,227 |
| Total domestic deposits to total assets | 85.2952% | 3,710 |
| Equity capital to assets | 9.5707% | 4,949 |
| Core capital (leverage) ratio | 9.3863% | 4,317 |
| Tier 1 risk-based capital ratio | 17.0006% | 2,662 |
| Total risk-based capital ratio | 18.2603% | 2,623 |
| Memoranda: |
| Average total assets | $344,021,000 | 1,898 |
| Average earning assets | $285,882,000 | 2,084 |
| Average equity | $32,724,670 | 2,102 |
| Average total loans | $229,694,000 | 1,783 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7786% | 441 |
| Cost of funding earning assets | 1.0772% | 1,509 |
| Net interest margin | 4.7014% | 682 |
| Noninterest income to average assets | 3.6219% | 187 |
| Noninterest expense to average assets | 5.4718% | 274 |
| Loan and lease loss provision to assets | 0.4007% | 1,575 |
| Net operating income to assets | 1.6379% | 811 |
| Return on assets (ROA) | 1.6379% | 905 |
| Pretax return on assets | 1.6438% | 1,448 |
| Return on Equity (ROE) | 17.2722% | 630 |
| Retained earnings to average equity (ytd only) | 4.9876% | 3,565 |
| Net charge-offs to loans | 0.8257% | 1,243 |
| Credit loss provision to net charge-offs | 73.1915% | 2,856 |
| Earnings coverage of net charge-offs (x) | 3.7340% | 2,768 |
| Efficiency ratio | 72.6906% | 3,310 |
| Assets per employee ($millions) | 2.4700% | 6,871 |
| Cash dividends to net income (ytd only)* | 71.1238% | 956 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8949% | 2,690 |
| Loan loss allowance to noncurrent loans | 23.5799% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 9.7098% | 319 |
| Noncurrent loans to loans | 8.0362% | 482 |
| Net loans and leases to total assets | 64.6885% | 2,719 |
| Net loans and leases to deposits | 75.9281% | 2,805 |
| Net loans and leases to core deposits | 77.7330% | 3,365 |
| Total domestic deposits to total assets | 85.1970% | 3,934 |
| Equity capital to assets | 9.6200% | 4,626 |
| Core capital (leverage) ratio | 9.4352% | 4,143 |
| Tier 1 risk-based capital ratio | 17.5727% | 2,452 |
| Total risk-based capital ratio | 18.8360% | 2,415 |
| Memoranda: |
| Average total assets | $343,359,500 | 1,914 |
| Average earning assets | $284,428,000 | 2,101 |
| Average equity | $32,561,000 | 2,111 |
| Average total loans | $227,679,000 | 1,808 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5393% | 172 |
| Cost of funding earning assets | 1.3090% | 1,440 |
| Net interest margin | 5.2304% | 269 |
| Noninterest income to average assets | 3.2948% | 191 |
| Noninterest expense to average assets | 4.5445% | 567 |
| Loan and lease loss provision to assets | 1.2145% | 721 |
| Net operating income to assets | 1.7242% | 531 |
| Return on assets (ROA) | 1.7242% | 571 |
| Pretax return on assets | 1.7257% | 940 |
| Return on Equity (ROE) | 18.1228% | 370 |
| Retained earnings to average equity (ytd only) | 14.8504% | 140 |
| Net charge-offs to loans | 1.2387% | 1,345 |
| Credit loss provision to net charge-offs | 147.8211% | 1,926 |
| Earnings coverage of net charge-offs (x) | 3.5786% | 3,462 |
| Efficiency ratio | 60.7171% | 5,646 |
| Assets per employee ($millions) | 2.5431% | 6,793 |
| Cash dividends to net income (ytd only)* | 18.0571% | 3,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5026% | 4,011 |
| Loan loss allowance to noncurrent loans | 17.9079% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 9.7807% | 347 |
| Noncurrent loans to loans | 8.3907% | 456 |
| Net loans and leases to total assets | 65.6733% | 2,845 |
| Net loans and leases to deposits | 76.7376% | 3,051 |
| Net loans and leases to core deposits | 78.5907% | 3,618 |
| Total domestic deposits to total assets | 85.5816% | 3,550 |
| Equity capital to assets | 9.3481% | 5,093 |
| Core capital (leverage) ratio | 9.1969% | 4,475 |
| Tier 1 risk-based capital ratio | 17.0218% | 2,593 |
| Total risk-based capital ratio | 18.2799% | 2,540 |
| Memoranda: |
| Average total assets | $321,200,200 | 2,004 |
| Average earning assets | $257,304,200 | 2,255 |
| Average equity | $30,558,200 | 2,153 |
| Average total loans | $213,041,400 | 1,930 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7710% | 137 |
| Cost of funding earning assets | 1.3627% | 1,408 |
| Net interest margin | 5.4083% | 201 |
| Noninterest income to average assets | 3.6702% | 173 |
| Noninterest expense to average assets | 4.5255% | 570 |
| Loan and lease loss provision to assets | 1.3044% | 575 |
| Net operating income to assets | 2.1330% | 280 |
| Return on assets (ROA) | 2.1330% | 299 |
| Pretax return on assets | 2.1352% | 485 |
| Return on Equity (ROE) | 22.3139% | 207 |
| Retained earnings to average equity (ytd only) | 22.3139% | 50 |
| Net charge-offs to loans | 1.3285% | 1,148 |
| Credit loss provision to net charge-offs | 148.2443% | 2,121 |
| Earnings coverage of net charge-offs (x) | 3.9091% | 3,248 |
| Efficiency ratio | 56.8172% | 6,167 |
| Assets per employee ($millions) | 2.6676% | 6,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4472% | 4,344 |
| Loan loss allowance to noncurrent loans | 21.4267% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 9.1640% | 423 |
| Noncurrent loans to loans | 6.7542% | 754 |
| Net loans and leases to total assets | 66.4537% | 2,794 |
| Net loans and leases to deposits | 78.3448% | 2,912 |
| Net loans and leases to core deposits | 80.3671% | 3,584 |
| Total domestic deposits to total assets | 84.8221% | 3,861 |
| Equity capital to assets | 9.7572% | 4,691 |
| Core capital (leverage) ratio | 9.6120% | 3,976 |
| Tier 1 risk-based capital ratio | 16.6668% | 2,774 |
| Total risk-based capital ratio | 17.9167% | 2,744 |
| Memoranda: |
| Average total assets | $315,036,250 | 2,038 |
| Average earning assets | $250,178,000 | 2,317 |
| Average equity | $30,115,000 | 2,191 |
| Average total loans | $208,651,750 | 1,992 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8662% | 126 |
| Cost of funding earning assets | 1.4393% | 1,236 |
| Net interest margin | 5.4269% | 201 |
| Noninterest income to average assets | 3.9856% | 169 |
| Noninterest expense to average assets | 4.4674% | 618 |
| Loan and lease loss provision to assets | 1.1383% | 701 |
| Net operating income to assets | 2.6538% | 136 |
| Return on assets (ROA) | 2.6538% | 143 |
| Pretax return on assets | 2.6571% | 197 |
| Return on Equity (ROE) | 27.9727% | 90 |
| Retained earnings to average equity (ytd only) | 27.9727% | 45 |
| Net charge-offs to loans | 1.5761% | 936 |
| Credit loss provision to net charge-offs | 109.7683% | 2,799 |
| Earnings coverage of net charge-offs (x) | 3.6600% | 3,087 |
| Efficiency ratio | 54.0668% | 6,614 |
| Assets per employee ($millions) | 2.7338% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0516% | 6,136 |
| Loan loss allowance to noncurrent loans | 15.5442% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 8.9911% | 468 |
| Noncurrent loans to loans | 6.7650% | 792 |
| Net loans and leases to total assets | 67.7568% | 2,667 |
| Net loans and leases to deposits | 79.8683% | 2,823 |
| Net loans and leases to core deposits | 82.0419% | 3,496 |
| Total domestic deposits to total assets | 84.8356% | 3,950 |
| Equity capital to assets | 9.5824% | 4,683 |
| Core capital (leverage) ratio | 9.4743% | 3,989 |
| Tier 1 risk-based capital ratio | 16.0125% | 2,972 |
| Total risk-based capital ratio | 17.2310% | 2,950 |
| Memoranda: |
| Average total assets | $308,008,000 | 2,092 |
| Average earning assets | $242,755,330 | 2,395 |
| Average equity | $29,221,330 | 2,224 |
| Average total loans | $202,654,000 | 2,063 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4765% | 219 |
| Cost of funding earning assets | 1.6608% | 651 |
| Net interest margin | 4.8157% | 553 |
| Noninterest income to average assets | 2.2062% | 315 |
| Noninterest expense to average assets | 3.4199% | 2,224 |
| Loan and lease loss provision to assets | 0.8779% | 927 |
| Net operating income to assets | 1.7639% | 523 |
| Return on assets (ROA) | 1.7639% | 552 |
| Pretax return on assets | 1.7639% | 873 |
| Return on Equity (ROE) | 18.6971% | 422 |
| Retained earnings to average equity (ytd only) | 18.6971% | 212 |
| Net charge-offs to loans | 1.0864% | 1,267 |
| Credit loss provision to net charge-offs | 125.6757% | 2,189 |
| Earnings coverage of net charge-offs (x) | 3.7819% | 2,633 |
| Efficiency ratio | 56.4182% | 6,454 |
| Assets per employee ($millions) | 3.1229% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1074% | 6,017 |
| Loan loss allowance to noncurrent loans | 10.9614% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 11.0772% | 329 |
| Noncurrent loans to loans | 10.1023% | 398 |
| Net loans and leases to total assets | 61.3280% | 4,003 |
| Net loans and leases to deposits | 70.5599% | 4,263 |
| Net loans and leases to core deposits | 72.8724% | 4,664 |
| Total domestic deposits to total assets | 86.9162% | 2,986 |
| Equity capital to assets | 8.3571% | 6,096 |
| Core capital (leverage) ratio | 8.3080% | 5,794 |
| Tier 1 risk-based capital ratio | 12.2361% | 5,489 |
| Total risk-based capital ratio | 13.2480% | 5,680 |
| Memoranda: |
| Average total assets | $296,614,500 | 2,181 |
| Average earning assets | $237,474,500 | 2,468 |
| Average equity | $27,983,000 | 2,303 |
| Average total loans | $190,722,000 | 2,194 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1995% | 562 |
| Cost of funding earning assets | 1.5765% | 2,207 |
| Net interest margin | 4.6230% | 959 |
| Noninterest income to average assets | 1.6746% | 524 |
| Noninterest expense to average assets | 3.3402% | 2,606 |
| Loan and lease loss provision to assets | 1.1931% | 1,319 |
| Net operating income to assets | 1.2407% | 1,319 |
| Return on assets (ROA) | 1.2407% | 1,387 |
| Pretax return on assets | 1.2407% | 2,097 |
| Return on Equity (ROE) | 11.4945% | 1,455 |
| Retained earnings to average equity (ytd only) | 6.5149% | 1,545 |
| Net charge-offs to loans | 1.4582% | 1,517 |
| Credit loss provision to net charge-offs | 113.5021% | 3,835 |
| Earnings coverage of net charge-offs (x) | 2.3153% | 3,989 |
| Efficiency ratio | 57.8492% | 6,355 |
| Assets per employee ($millions) | 4.9942% | 2,160 |
| Cash dividends to net income (ytd only)* | 43.3214% | 2,435 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3218% | 4,891 |
| Loan loss allowance to noncurrent loans | 36.7145% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 6.0273% | 985 |
| Noncurrent loans to loans | 3.6001% | 2,081 |
| Net loans and leases to total assets | 66.5515% | 3,340 |
| Net loans and leases to deposits | 79.1495% | 3,313 |
| Net loans and leases to core deposits | 81.0230% | 4,054 |
| Total domestic deposits to total assets | 84.0833% | 4,320 |
| Equity capital to assets | 10.9158% | 2,760 |
| Core capital (leverage) ratio | 10.9008% | 2,228 |
| Tier 1 risk-based capital ratio | 15.4375% | 3,025 |
| Total risk-based capital ratio | 16.6877% | 2,986 |
| Memoranda: |
| Average total assets | $248,005,800 | 2,559 |
| Average earning assets | $219,920,600 | 2,635 |
| Average equity | $26,769,400 | 2,389 |
| Average total loans | $178,786,600 | 2,370 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1755% | 647 |
| Cost of funding earning assets | 1.6131% | 2,317 |
| Net interest margin | 4.5623% | 1,125 |
| Noninterest income to average assets | 1.7712% | 466 |
| Noninterest expense to average assets | 3.2673% | 2,682 |
| Loan and lease loss provision to assets | 1.2833% | 1,090 |
| Net operating income to assets | 1.2828% | 1,369 |
| Return on assets (ROA) | 1.2828% | 1,452 |
| Pretax return on assets | 1.2828% | 2,218 |
| Return on Equity (ROE) | 11.9184% | 1,528 |
| Retained earnings to average equity (ytd only) | 7.7755% | 1,496 |
| Net charge-offs to loans | 1.4474% | 1,406 |
| Credit loss provision to net charge-offs | 121.0259% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.4200% | 3,967 |
| Efficiency ratio | 56.0100% | 6,556 |
| Assets per employee ($millions) | 5.0924% | 2,069 |
| Cash dividends to net income (ytd only)* | 34.7606% | 2,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3067% | 4,929 |
| Loan loss allowance to noncurrent loans | 43.6975% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 4.6468% | 1,435 |
| Noncurrent loans to loans | 2.9903% | 2,672 |
| Net loans and leases to total assets | 69.2548% | 2,917 |
| Net loans and leases to deposits | 82.5562% | 2,998 |
| Net loans and leases to core deposits | 84.2663% | 3,902 |
| Total domestic deposits to total assets | 83.8880% | 4,191 |
| Equity capital to assets | 11.0288% | 2,934 |
| Core capital (leverage) ratio | 10.8523% | 2,372 |
| Tier 1 risk-based capital ratio | 15.2930% | 3,108 |
| Total risk-based capital ratio | 16.5436% | 3,064 |
| Memoranda: |
| Average total assets | $247,579,250 | 2,602 |
| Average earning assets | $220,436,750 | 2,663 |
| Average equity | $26,647,250 | 2,445 |
| Average total loans | $181,380,000 | 2,378 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0383% | 863 |
| Cost of funding earning assets | 1.6755% | 2,258 |
| Net interest margin | 4.3627% | 1,557 |
| Noninterest income to average assets | 2.1034% | 330 |
| Noninterest expense to average assets | 3.2770% | 2,637 |
| Loan and lease loss provision to assets | 1.4522% | 916 |
| Net operating income to assets | 1.2757% | 1,373 |
| Return on assets (ROA) | 1.2757% | 1,429 |
| Pretax return on assets | 1.2757% | 2,168 |
| Return on Equity (ROE) | 11.9516% | 1,470 |
| Retained earnings to average equity (ytd only) | 8.8100% | 1,170 |
| Net charge-offs to loans | 1.1239% | 1,684 |
| Credit loss provision to net charge-offs | 173.9088% | 2,247 |
| Earnings coverage of net charge-offs (x) | 3.2667% | 3,393 |
| Efficiency ratio | 54.5724% | 6,810 |
| Assets per employee ($millions) | 5.0500% | 2,123 |
| Cash dividends to net income (ytd only)* | 26.2857% | 2,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4256% | 4,305 |
| Loan loss allowance to noncurrent loans | 38.2029% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 5.0107% | 1,282 |
| Noncurrent loans to loans | 3.7317% | 2,086 |
| Net loans and leases to total assets | 73.6577% | 1,989 |
| Net loans and leases to deposits | 87.4895% | 2,263 |
| Net loans and leases to core deposits | 90.2906% | 3,212 |
| Total domestic deposits to total assets | 84.1903% | 4,015 |
| Equity capital to assets | 10.8721% | 2,995 |
| Core capital (leverage) ratio | 10.7747% | 2,415 |
| Tier 1 risk-based capital ratio | 14.4472% | 3,472 |
| Total risk-based capital ratio | 15.6992% | 3,436 |
| Memoranda: |
| Average total assets | $246,929,670 | 2,630 |
| Average earning assets | $220,825,000 | 2,672 |
| Average equity | $26,356,330 | 2,466 |
| Average total loans | $183,474,000 | 2,384 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9294% | 1,131 |
| Cost of funding earning assets | 1.6685% | 2,549 |
| Net interest margin | 4.2608% | 1,821 |
| Noninterest income to average assets | 0.9827% | 1,355 |
| Noninterest expense to average assets | 2.9059% | 4,038 |
| Loan and lease loss provision to assets | 0.6227% | 2,038 |
| Net operating income to assets | 1.2762% | 1,347 |
| Return on assets (ROA) | 1.2762% | 1,419 |
| Pretax return on assets | 1.2762% | 2,116 |
| Return on Equity (ROE) | 12.0692% | 1,484 |
| Retained earnings to average equity (ytd only) | 12.0692% | 737 |
| Net charge-offs to loans | 0.3414% | 3,042 |
| Credit loss provision to net charge-offs | 246.1538% | 1,567 |
| Earnings coverage of net charge-offs (x) | 7.5064% | 2,080 |
| Efficiency ratio | 60.4792% | 6,084 |
| Assets per employee ($millions) | 5.1808% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1524% | 5,763 |
| Loan loss allowance to noncurrent loans | 28.8182% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 4.5877% | 1,464 |
| Noncurrent loans to loans | 3.9987% | 1,961 |
| Net loans and leases to total assets | 69.6055% | 3,034 |
| Net loans and leases to deposits | 85.7208% | 2,644 |
| Net loans and leases to core deposits | 88.7184% | 3,534 |
| Total domestic deposits to total assets | 81.2002% | 5,380 |
| Equity capital to assets | 10.2162% | 3,587 |
| Core capital (leverage) ratio | 10.1451% | 2,988 |
| Tier 1 risk-based capital ratio | 13.7487% | 3,838 |
| Total risk-based capital ratio | 14.8492% | 3,889 |
| Memoranda: |
| Average total assets | $246,669,500 | 2,684 |
| Average earning assets | $221,270,500 | 2,724 |
| Average equity | $26,083,000 | 2,508 |
| Average total loans | $182,760,000 | 2,456 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0054% | 1,842 |
| Cost of funding earning assets | 2.0491% | 2,731 |
| Net interest margin | 3.9563% | 3,047 |
| Noninterest income to average assets | 1.2076% | 1,058 |
| Noninterest expense to average assets | 3.1806% | 3,440 |
| Loan and lease loss provision to assets | 0.7164% | 2,964 |
| Net operating income to assets | 0.8729% | 2,266 |
| Return on assets (ROA) | 0.8378% | 2,479 |
| Pretax return on assets | 0.8399% | 3,113 |
| Return on Equity (ROE) | 8.0758% | 2,335 |
| Retained earnings to average equity (ytd only) | 1.5744% | 3,975 |
| Net charge-offs to loans | 0.9648% | 2,476 |
| Credit loss provision to net charge-offs | 96.8535% | 5,739 |
| Earnings coverage of net charge-offs (x) | 2.1516% | 4,107 |
| Efficiency ratio | 66.6519% | 5,259 |
| Assets per employee ($millions) | 4.5058% | 2,912 |
| Cash dividends to net income (ytd only)* | 80.5051% | 1,162 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0234% | 6,250 |
| Loan loss allowance to noncurrent loans | 23.6199% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 5.1370% | 1,178 |
| Noncurrent loans to loans | 4.3329% | 1,659 |
| Net loans and leases to total assets | 77.3533% | 1,509 |
| Net loans and leases to deposits | 94.5608% | 1,519 |
| Net loans and leases to core deposits | 110.2119% | 2,873 |
| Total domestic deposits to total assets | 81.8027% | 5,032 |
| Equity capital to assets | 10.9697% | 2,727 |
| Core capital (leverage) ratio | 10.8823% | 2,289 |
| Tier 1 risk-based capital ratio | 13.1895% | 4,020 |
| Total risk-based capital ratio | 14.1598% | 4,152 |
| Memoranda: |
| Average total assets | $236,335,600 | 2,748 |
| Average earning assets | $212,925,800 | 2,797 |
| Average equity | $24,517,800 | 2,657 |
| Average total loans | $181,171,800 | 2,500 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9270% | 2,328 |
| Cost of funding earning assets | 2.1469% | 2,670 |
| Net interest margin | 3.7801% | 3,737 |
| Noninterest income to average assets | 1.2548% | 983 |
| Noninterest expense to average assets | 3.2628% | 3,067 |
| Loan and lease loss provision to assets | 0.6423% | 2,830 |
| Net operating income to assets | 0.7566% | 2,997 |
| Return on assets (ROA) | 0.7099% | 3,236 |
| Pretax return on assets | 0.7127% | 3,809 |
| Return on Equity (ROE) | 6.9412% | 3,098 |
| Retained earnings to average equity (ytd only) | -1.8330% | 5,688 |
| Net charge-offs to loans | 0.9659% | 2,042 |
| Credit loss provision to net charge-offs | 87.1658% | 5,561 |
| Earnings coverage of net charge-offs (x) | 1.9022% | 4,383 |
| Efficiency ratio | 69.9493% | 4,603 |
| Assets per employee ($millions) | 4.4402% | 2,961 |
| Cash dividends to net income (ytd only)* | 126.4077% | 374 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0249% | 6,131 |
| Loan loss allowance to noncurrent loans | 29.8778% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 4.1414% | 1,519 |
| Noncurrent loans to loans | 3.4302% | 2,185 |
| Net loans and leases to total assets | 73.6570% | 2,631 |
| Net loans and leases to deposits | 90.3079% | 2,516 |
| Net loans and leases to core deposits | 107.2525% | 3,564 |
| Total domestic deposits to total assets | 81.5621% | 4,847 |
| Equity capital to assets | 10.9113% | 3,102 |
| Core capital (leverage) ratio | 10.7412% | 2,611 |
| Tier 1 risk-based capital ratio | 13.3862% | 3,932 |
| Total risk-based capital ratio | 14.3386% | 4,064 |
| Memoranda: |
| Average total assets | $236,844,750 | 2,761 |
| Average earning assets | $213,637,250 | 2,802 |
| Average equity | $24,221,750 | 2,714 |
| Average total loans | $180,686,750 | 2,537 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9513% | 2,383 |
| Cost of funding earning assets | 2.1952% | 2,816 |
| Net interest margin | 3.7561% | 3,733 |
| Noninterest income to average assets | 1.2419% | 997 |
| Noninterest expense to average assets | 3.1947% | 3,347 |
| Loan and lease loss provision to assets | 0.5854% | 2,689 |
| Net operating income to assets | 0.8543% | 2,636 |
| Return on assets (ROA) | 0.7855% | 3,003 |
| Pretax return on assets | 0.7897% | 3,704 |
| Return on Equity (ROE) | 7.8500% | 2,836 |
| Retained earnings to average equity (ytd only) | -5.4900% | 6,375 |
| Net charge-offs to loans | 0.3627% | 3,370 |
| Credit loss provision to net charge-offs | 209.9099% | 2,182 |
| Earnings coverage of net charge-offs (x) | 5.1802% | 2,895 |
| Efficiency ratio | 68.8628% | 5,000 |
| Assets per employee ($millions) | 4.6444% | 2,533 |
| Cash dividends to net income (ytd only)* | 169.9360% | 301 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2747% | 4,430 |
| Loan loss allowance to noncurrent loans | 18.0951% | 7,234 |
| Noncurrent assets plus other real estate owned to assets | 6.2089% | 765 |
| Noncurrent loans to loans | 7.0444% | 687 |
| Net loans and leases to total assets | 73.5995% | 2,814 |
| Net loans and leases to deposits | 88.7276% | 3,049 |
| Net loans and leases to core deposits | 106.6851% | 3,754 |
| Total domestic deposits to total assets | 82.9500% | 4,261 |
| Equity capital to assets | 9.8527% | 4,145 |
| Core capital (leverage) ratio | 10.0891% | 3,199 |
| Tier 1 risk-based capital ratio | 12.6026% | 4,442 |
| Total risk-based capital ratio | 13.7865% | 4,415 |
| Memoranda: |
| Average total assets | $238,830,000 | 2,763 |
| Average earning assets | $216,021,330 | 2,801 |
| Average equity | $23,898,000 | 2,765 |
| Average total loans | $183,640,000 | 2,527 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1024% | 1,933 |
| Cost of funding earning assets | 2.2406% | 2,956 |
| Net interest margin | 3.8618% | 3,207 |
| Noninterest income to average assets | 1.1655% | 1,077 |
| Noninterest expense to average assets | 3.0721% | 3,481 |
| Loan and lease loss provision to assets | 0.5642% | 2,226 |
| Net operating income to assets | 1.0062% | 2,284 |
| Return on assets (ROA) | 0.9078% | 2,821 |
| Pretax return on assets | 0.9162% | 3,657 |
| Return on Equity (ROE) | 9.0023% | 2,722 |
| Retained earnings to average equity (ytd only) | -7.5993% | 6,869 |
| Net charge-offs to loans | 2.1657% | 661 |
| Credit loss provision to net charge-offs | 33.3665% | 4,910 |
| Earnings coverage of net charge-offs (x) | 0.9343% | 4,301 |
| Efficiency ratio | 66.0391% | 5,323 |
| Assets per employee ($millions) | 4.5423% | 2,653 |
| Cash dividends to net income (ytd only)* | 184.4156% | 335 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6918% | 7,457 |
| Loan loss allowance to noncurrent loans | 11.5596% | 7,488 |
| Noncurrent assets plus other real estate owned to assets | 5.3688% | 807 |
| Noncurrent loans to loans | 5.9849% | 808 |
| Net loans and leases to total assets | 76.5730% | 2,147 |
| Net loans and leases to deposits | 92.6306% | 2,490 |
| Net loans and leases to core deposits | 112.5217% | 3,163 |
| Total domestic deposits to total assets | 82.6650% | 4,305 |
| Equity capital to assets | 10.0352% | 3,965 |
| Core capital (leverage) ratio | 10.3873% | 3,039 |
| Tier 1 risk-based capital ratio | 12.9739% | 4,195 |
| Total risk-based capital ratio | 13.6375% | 4,552 |
| Memoranda: |
| Average total assets | $237,491,500 | 2,793 |
| Average earning assets | $214,407,500 | 2,835 |
| Average equity | $23,949,500 | 2,775 |
| Average total loans | $185,438,500 | 2,529 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6478% | 2,254 |
| Cost of funding earning assets | 2.5679% | 3,863 |
| Net interest margin | 4.0799% | 2,794 |
| Noninterest income to average assets | 1.6925% | 477 |
| Noninterest expense to average assets | 3.1114% | 3,653 |
| Loan and lease loss provision to assets | 0.6602% | 2,199 |
| Net operating income to assets | 1.5739% | 882 |
| Return on assets (ROA) | 1.5739% | 849 |
| Pretax return on assets | 1.5758% | 1,460 |
| Return on Equity (ROE) | 16.7987% | 661 |
| Retained earnings to average equity (ytd only) | 3.2961% | 3,098 |
| Net charge-offs to loans | 1.0252% | 1,210 |
| Credit loss provision to net charge-offs | 78.2369% | 5,935 |
| Earnings coverage of net charge-offs (x) | 2.6497% | 4,758 |
| Efficiency ratio | 58.1842% | 6,664 |
| Assets per employee ($millions) | 4.3415% | 2,896 |
| Cash dividends to net income (ytd only)* | 80.3791% | 1,691 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0220% | 5,841 |
| Loan loss allowance to noncurrent loans | 29.5677% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 2.9001% | 1,602 |
| Noncurrent loans to loans | 3.4564% | 1,475 |
| Net loans and leases to total assets | 78.2394% | 2,070 |
| Net loans and leases to deposits | 94.6673% | 2,668 |
| Net loans and leases to core deposits | 113.9511% | 3,345 |
| Total domestic deposits to total assets | 82.6467% | 3,924 |
| Equity capital to assets | 10.1330% | 3,882 |
| Core capital (leverage) ratio | 10.4958% | 2,982 |
| Tier 1 risk-based capital ratio | 13.4364% | 3,857 |
| Total risk-based capital ratio | 14.4664% | 3,897 |
| Memoranda: |
| Average total assets | $258,085,400 | 2,480 |
| Average earning assets | $231,204,000 | 2,542 |
| Average equity | $24,180,400 | 2,714 |
| Average total loans | $212,436,000 | 2,187 |
