| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8110% | 2,450 |
| Cost of funding earning assets | 1.4360% | 2,122 |
| Net interest margin | 3.3750% | 2,459 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.0043% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2083% | 1,631 |
| Return on assets (ROA) | 1.2083% | 1,600 |
| Pretax return on assets | 1.2848% | 1,911 |
| Return on Equity (ROE) | 6.4200% | 3,444 |
| Retained earnings to average equity (ytd only) | 1.8221% | 3,618 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.9363% | 2,980 |
| Assets per employee ($millions) | 9.0690% | 961 |
| Cash dividends to net income (ytd only)* | 71.6315% | 796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6825% | 692 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 78.8600% | 776 |
| Net loans and leases to deposits | 97.4676% | 680 |
| Net loans and leases to core deposits | 105.6472% | 1,129 |
| Total domestic deposits to total assets | 80.9100% | 3,322 |
| Equity capital to assets | 18.5735% | 322 |
| Core capital (leverage) ratio | 19.0355% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4376% | 297 |
| Memoranda: |
| Average total assets | $203,915,400 | 2,966 |
| Average earning assets | $196,238,200 | 2,903 |
| Average equity | $38,361,800 | 1,932 |
| Average total loans | $158,832,400 | 2,609 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7145% | 2,441 |
| Cost of funding earning assets | 1.2964% | 2,160 |
| Net interest margin | 3.4181% | 2,413 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 2.0912% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1377% | 1,946 |
| Return on assets (ROA) | 1.1377% | 1,927 |
| Pretax return on assets | 1.2133% | 2,267 |
| Return on Equity (ROE) | 6.0300% | 3,635 |
| Retained earnings to average equity (ytd only) | 4.1915% | 3,207 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.2836% | 2,588 |
| Assets per employee ($millions) | 8.8893% | 966 |
| Cash dividends to net income (ytd only)* | 30.4624% | 2,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6885% | 718 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.1600% | 623 |
| Net loans and leases to deposits | 99.6456% | 529 |
| Net loans and leases to core deposits | 107.6674% | 947 |
| Total domestic deposits to total assets | 80.4500% | 3,464 |
| Equity capital to assets | 18.9275% | 314 |
| Core capital (leverage) ratio | 19.8117% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $202,747,500 | 2,974 |
| Average earning assets | $194,372,750 | 2,925 |
| Average equity | $38,266,750 | 1,924 |
| Average total loans | $156,712,250 | 2,628 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5711% | 2,478 |
| Cost of funding earning assets | 1.0727% | 2,374 |
| Net interest margin | 3.4984% | 2,270 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 2.1357% | 3,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1623% | 1,944 |
| Return on assets (ROA) | 1.1623% | 1,938 |
| Pretax return on assets | 1.2365% | 2,266 |
| Return on Equity (ROE) | 6.1600% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.7845% | 2,999 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.3324% | 2,558 |
| Assets per employee ($millions) | 8.6383% | 1,031 |
| Cash dividends to net income (ytd only)* | 22.3830% | 2,358 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7398% | 687 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 80.0200% | 620 |
| Net loans and leases to deposits | 99.8700% | 518 |
| Net loans and leases to core deposits | 107.9357% | 909 |
| Total domestic deposits to total assets | 80.1200% | 3,563 |
| Equity capital to assets | 19.3913% | 298 |
| Core capital (leverage) ratio | 19.9629% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $202,178,667 | 2,986 |
| Average earning assets | $193,345,000 | 2,940 |
| Average equity | $38,123,000 | 1,937 |
| Average total loans | $153,378,000 | 2,643 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3149% | 2,767 |
| Cost of funding earning assets | 0.7560% | 2,880 |
| Net interest margin | 3.5589% | 2,225 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 2.1929% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1377% | 2,103 |
| Return on assets (ROA) | 1.1377% | 2,073 |
| Pretax return on assets | 1.2122% | 2,398 |
| Return on Equity (ROE) | 6.1200% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.1180% | 2,732 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.4009% | 2,404 |
| Assets per employee ($millions) | 8.8327% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9098% | 524 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.1700% | 1,504 |
| Net loans and leases to deposits | 88.0407% | 1,204 |
| Net loans and leases to core deposits | 97.8757% | 1,183 |
| Total domestic deposits to total assets | 80.8400% | 3,660 |
| Equity capital to assets | 18.8115% | 271 |
| Core capital (leverage) ratio | 19.3983% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $203,927,000 | 3,012 |
| Average earning assets | $193,655,000 | 2,973 |
| Average equity | $37,921,000 | 1,967 |
| Average total loans | $149,167,000 | 2,709 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4668% | 3,162 |
| Cost of funding earning assets | 0.2430% | 3,382 |
| Net interest margin | 3.2238% | 2,797 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.8504% | 3,929 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 1.2381% | 1,632 |
| Return on assets (ROA) | 1.2381% | 1,586 |
| Pretax return on assets | 1.3125% | 2,045 |
| Return on Equity (ROE) | 7.0400% | 3,632 |
| Retained earnings to average equity (ytd only) | 3.1751% | 3,674 |
| Net charge-offs to loans | -0.1794% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.8615% | 2,933 |
| Assets per employee ($millions) | 9.3046% | 828 |
| Cash dividends to net income (ytd only)* | 54.8923% | 1,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8650% | 577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 72.3600% | 1,377 |
| Net loans and leases to deposits | 88.8388% | 1,123 |
| Net loans and leases to core deposits | 95.8457% | 1,216 |
| Total domestic deposits to total assets | 81.4500% | 3,700 |
| Equity capital to assets | 18.3809% | 281 |
| Core capital (leverage) ratio | 17.6261% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $213,794,000 | 2,953 |
| Average earning assets | $199,174,600 | 2,943 |
| Average equity | $37,604,800 | 2,012 |
| Average total loans | $146,021,400 | 2,665 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2867% | 3,216 |
| Cost of funding earning assets | 0.2038% | 3,223 |
| Net interest margin | 3.0829% | 2,984 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 1.7291% | 4,115 |
| Loan and lease loss provision to assets | -0.1600% | 4,645 |
| Net operating income to assets | 1.2477% | 1,529 |
| Return on assets (ROA) | 1.2477% | 1,502 |
| Pretax return on assets | 1.3205% | 1,979 |
| Return on Equity (ROE) | 7.1700% | 3,558 |
| Retained earnings to average equity (ytd only) | 3.6773% | 3,560 |
| Net charge-offs to loans | -0.2413% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.8718% | 3,130 |
| Assets per employee ($millions) | 9.8738% | 680 |
| Cash dividends to net income (ytd only)* | 48.7141% | 1,248 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8828% | 621 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 67.5300% | 1,725 |
| Net loans and leases to deposits | 81.8118% | 1,458 |
| Net loans and leases to core deposits | 88.4734% | 1,390 |
| Total domestic deposits to total assets | 82.5500% | 3,746 |
| Equity capital to assets | 17.2252% | 308 |
| Core capital (leverage) ratio | 17.7440% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $216,067,000 | 2,958 |
| Average earning assets | $199,545,250 | 2,955 |
| Average equity | $37,599,500 | 2,039 |
| Average total loans | $144,793,000 | 2,686 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0303% | 3,474 |
| Cost of funding earning assets | 0.1814% | 3,161 |
| Net interest margin | 2.8489% | 3,291 |
| Noninterest income to average assets | 0.0334% | 4,679 |
| Noninterest expense to average assets | 1.7544% | 4,046 |
| Loan and lease loss provision to assets | -0.2430% | 4,704 |
| Net operating income to assets | 1.0970% | 1,780 |
| Return on assets (ROA) | 1.0970% | 1,759 |
| Pretax return on assets | 1.1730% | 2,157 |
| Return on Equity (ROE) | 6.2825% | 3,505 |
| Retained earnings to average equity (ytd only) | 3.6431% | 3,221 |
| Net charge-offs to loans | -0.3659% | 4,664 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3541% | 2,601 |
| Assets per employee ($millions) | 9.8949% | 684 |
| Cash dividends to net income (ytd only)* | 42.0118% | 1,649 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9402% | 615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.3555% | 1,773 |
| Net loans and leases to deposits | 79.0078% | 1,467 |
| Net loans and leases to core deposits | 85.1356% | 1,387 |
| Total domestic deposits to total assets | 82.7202% | 3,914 |
| Equity capital to assets | 17.1135% | 272 |
| Core capital (leverage) ratio | 17.4693% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $215,681,667 | 2,983 |
| Average earning assets | $200,708,000 | 2,984 |
| Average equity | $37,660,333 | 2,089 |
| Average total loans | $143,220,333 | 2,716 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9299% | 3,457 |
| Cost of funding earning assets | 0.1800% | 3,087 |
| Net interest margin | 2.7499% | 3,281 |
| Noninterest income to average assets | 0.0354% | 4,694 |
| Noninterest expense to average assets | 1.8483% | 3,817 |
| Loan and lease loss provision to assets | -0.4882% | 4,757 |
| Net operating income to assets | 1.1794% | 1,302 |
| Return on assets (ROA) | 1.1794% | 1,300 |
| Pretax return on assets | 1.2651% | 1,604 |
| Return on Equity (ROE) | 6.6872% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.9088% | 2,966 |
| Net charge-offs to loans | -0.7365% | 4,727 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4045% | 2,171 |
| Assets per employee ($millions) | 9.9443% | 690 |
| Cash dividends to net income (ytd only)* | 41.5482% | 1,460 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9665% | 658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.1443% | 1,604 |
| Net loans and leases to deposits | 77.5130% | 1,326 |
| Net loans and leases to core deposits | 83.7757% | 1,253 |
| Total domestic deposits to total assets | 82.7530% | 3,970 |
| Equity capital to assets | 17.1254% | 260 |
| Core capital (leverage) ratio | 17.8479% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $214,678,500 | 3,004 |
| Average earning assets | $202,189,500 | 2,997 |
| Average equity | $37,863,500 | 2,134 |
| Average total loans | $142,287,500 | 2,730 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9968% | 3,877 |
| Cost of funding earning assets | 0.2268% | 3,177 |
| Net interest margin | 2.7699% | 3,730 |
| Noninterest income to average assets | 0.0662% | 4,688 |
| Noninterest expense to average assets | 1.7645% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8766% | 3,121 |
| Return on assets (ROA) | 0.8766% | 3,181 |
| Pretax return on assets | 0.9526% | 3,373 |
| Return on Equity (ROE) | 4.6751% | 4,066 |
| Retained earnings to average equity (ytd only) | 2.2291% | 3,913 |
| Net charge-offs to loans | -0.0205% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9414% | 2,415 |
| Assets per employee ($millions) | 9.5720% | 767 |
| Cash dividends to net income (ytd only)* | 52.3197% | 1,406 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9904% | 614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 65.8239% | 1,486 |
| Net loans and leases to deposits | 80.5848% | 1,164 |
| Net loans and leases to core deposits | 87.4619% | 1,112 |
| Total domestic deposits to total assets | 81.6828% | 4,011 |
| Equity capital to assets | 18.1691% | 251 |
| Core capital (leverage) ratio | 17.9747% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $204,075,000 | 3,032 |
| Average earning assets | $195,310,400 | 2,994 |
| Average equity | $38,266,600 | 2,149 |
| Average total loans | $131,450,200 | 2,838 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0029% | 3,995 |
| Cost of funding earning assets | 0.2396% | 3,215 |
| Net interest margin | 2.7633% | 3,857 |
| Noninterest income to average assets | 0.0757% | 4,739 |
| Noninterest expense to average assets | 1.7090% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9260% | 3,162 |
| Return on assets (ROA) | 0.9260% | 3,237 |
| Pretax return on assets | 1.0103% | 3,423 |
| Return on Equity (ROE) | 4.8987% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.2681% | 3,810 |
| Net charge-offs to loans | -0.0279% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8481% | 2,559 |
| Assets per employee ($millions) | 10.2485% | 599 |
| Cash dividends to net income (ytd only)* | 33.2859% | 1,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0980% | 536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 64.0873% | 1,764 |
| Net loans and leases to deposits | 79.1820% | 1,363 |
| Net loans and leases to core deposits | 85.3629% | 1,330 |
| Total domestic deposits to total assets | 80.9366% | 4,104 |
| Equity capital to assets | 18.8516% | 231 |
| Core capital (leverage) ratio | 18.5234% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $202,448,000 | 3,083 |
| Average earning assets | $193,674,250 | 3,040 |
| Average equity | $38,268,000 | 2,174 |
| Average total loans | $128,955,500 | 2,904 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0334% | 3,981 |
| Cost of funding earning assets | 0.2608% | 3,179 |
| Net interest margin | 2.7726% | 3,846 |
| Noninterest income to average assets | 0.0446% | 4,848 |
| Noninterest expense to average assets | 1.6825% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9117% | 3,184 |
| Return on assets (ROA) | 0.9117% | 3,265 |
| Pretax return on assets | 0.9990% | 3,450 |
| Return on Equity (ROE) | 4.8186% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.5917% | 3,652 |
| Net charge-offs to loans | -0.0424% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7451% | 2,619 |
| Assets per employee ($millions) | 9.3737% | 750 |
| Cash dividends to net income (ytd only)* | 25.4625% | 2,274 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1552% | 465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.9719% | 2,182 |
| Net loans and leases to deposits | 76.2956% | 1,788 |
| Net loans and leases to core deposits | 82.0524% | 1,720 |
| Total domestic deposits to total assets | 81.2260% | 4,059 |
| Equity capital to assets | 18.6096% | 248 |
| Core capital (leverage) ratio | 18.7017% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $201,607,667 | 3,089 |
| Average earning assets | $191,734,667 | 3,052 |
| Average equity | $38,144,000 | 2,169 |
| Average total loans | $127,216,000 | 2,929 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0928% | 3,897 |
| Cost of funding earning assets | 0.3114% | 2,877 |
| Net interest margin | 2.7814% | 3,803 |
| Noninterest income to average assets | 0.0482% | 4,856 |
| Noninterest expense to average assets | 1.8003% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8028% | 3,417 |
| Return on assets (ROA) | 0.8028% | 3,487 |
| Pretax return on assets | 0.8831% | 3,642 |
| Return on Equity (ROE) | 4.2075% | 4,246 |
| Retained earnings to average equity (ytd only) | 4.2075% | 3,445 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0905% | 2,058 |
| Assets per employee ($millions) | 9.2305% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2279% | 407 |
| Loan loss allowance to noncurrent loans | 15,488.8889% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,321 |
| Noncurrent loans to loans | 0.0144% | 4,233 |
| Net loans and leases to total assets | 60.2515% | 2,518 |
| Net loans and leases to deposits | 74.3111% | 2,087 |
| Net loans and leases to core deposits | 80.2879% | 1,977 |
| Total domestic deposits to total assets | 81.0801% | 4,053 |
| Equity capital to assets | 18.7490% | 232 |
| Core capital (leverage) ratio | 18.7276% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $199,301,000 | 3,096 |
| Average earning assets | $188,824,000 | 3,063 |
| Average equity | $38,027,500 | 2,163 |
| Average total loans | $125,517,000 | 2,955 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7383% | 3,475 |
| Cost of funding earning assets | 0.5261% | 2,776 |
| Net interest margin | 3.2122% | 3,327 |
| Noninterest income to average assets | 0.0657% | 4,839 |
| Noninterest expense to average assets | 1.9087% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1266% | 1,811 |
| Return on assets (ROA) | 1.1266% | 1,936 |
| Pretax return on assets | 1.1998% | 2,322 |
| Return on Equity (ROE) | 5.6135% | 3,702 |
| Retained earnings to average equity (ytd only) | 1.0276% | 4,222 |
| Net charge-offs to loans | 0.0210% | 2,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 80.8214% | 888 |
| Efficiency ratio | 61.4020% | 3,243 |
| Assets per employee ($millions) | 8.8877% | 767 |
| Cash dividends to net income (ytd only)* | 81.6941% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2146% | 395 |
| Loan loss allowance to noncurrent loans | 15,488.8889% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,393 |
| Noncurrent loans to loans | 0.0143% | 4,314 |
| Net loans and leases to total assets | 62.9591% | 2,491 |
| Net loans and leases to deposits | 78.4607% | 2,027 |
| Net loans and leases to core deposits | 87.7128% | 1,720 |
| Total domestic deposits to total assets | 80.2429% | 4,009 |
| Equity capital to assets | 19.4246% | 220 |
| Core capital (leverage) ratio | 18.7334% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $188,613,200 | 3,036 |
| Average earning assets | $178,663,600 | 3,011 |
| Average equity | $37,855,000 | 2,096 |
| Average total loans | $133,169,600 | 2,825 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8789% | 3,325 |
| Cost of funding earning assets | 0.5696% | 2,808 |
| Net interest margin | 3.3094% | 3,161 |
| Noninterest income to average assets | 0.0535% | 4,881 |
| Noninterest expense to average assets | 1.9826% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1158% | 1,930 |
| Return on assets (ROA) | 1.1158% | 2,050 |
| Pretax return on assets | 1.1964% | 2,402 |
| Return on Equity (ROE) | 5.5132% | 3,719 |
| Retained earnings to average equity (ytd only) | 3.7260% | 3,186 |
| Net charge-offs to loans | 0.0277% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 59.8929% | 1,099 |
| Efficiency ratio | 62.3654% | 3,014 |
| Assets per employee ($millions) | 8.9029% | 712 |
| Cash dividends to net income (ytd only)* | 32.4169% | 2,262 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0762% | 436 |
| Loan loss allowance to noncurrent loans | 13,276.1905% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,449 |
| Noncurrent loans to loans | 0.0156% | 4,375 |
| Net loans and leases to total assets | 67.1348% | 2,372 |
| Net loans and leases to deposits | 84.1006% | 1,904 |
| Net loans and leases to core deposits | 94.3035% | 1,614 |
| Total domestic deposits to total assets | 79.8268% | 3,896 |
| Equity capital to assets | 19.7438% | 219 |
| Core capital (leverage) ratio | 19.6210% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $186,884,000 | 3,041 |
| Average earning assets | $176,504,250 | 3,013 |
| Average equity | $37,823,500 | 2,095 |
| Average total loans | $134,989,000 | 2,818 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0167% | 3,285 |
| Cost of funding earning assets | 0.6197% | 2,863 |
| Net interest margin | 3.3970% | 3,116 |
| Noninterest income to average assets | 0.0522% | 4,908 |
| Noninterest expense to average assets | 2.0208% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1452% | 1,819 |
| Return on assets (ROA) | 1.1452% | 1,949 |
| Pretax return on assets | 1.2268% | 2,268 |
| Return on Equity (ROE) | 5.6099% | 3,626 |
| Retained earnings to average equity (ytd only) | 4.2567% | 2,796 |
| Net charge-offs to loans | 0.0414% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.2857% | 1,242 |
| Efficiency ratio | 62.2237% | 3,087 |
| Assets per employee ($millions) | 8.6924% | 760 |
| Cash dividends to net income (ytd only)* | 24.1216% | 2,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0590% | 400 |
| Loan loss allowance to noncurrent loans | 12,672.7273% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,517 |
| Noncurrent loans to loans | 0.0162% | 4,439 |
| Net loans and leases to total assets | 69.3479% | 2,135 |
| Net loans and leases to deposits | 87.0378% | 1,660 |
| Net loans and leases to core deposits | 97.7065% | 1,433 |
| Total domestic deposits to total assets | 79.6756% | 3,903 |
| Equity capital to assets | 19.9688% | 214 |
| Core capital (leverage) ratio | 20.4141% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $183,890,667 | 3,042 |
| Average earning assets | $172,975,667 | 3,023 |
| Average equity | $37,541,000 | 2,100 |
| Average total loans | $135,225,000 | 2,802 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1004% | 3,525 |
| Cost of funding earning assets | 0.6942% | 2,961 |
| Net interest margin | 3.4062% | 3,280 |
| Noninterest income to average assets | 0.0510% | 4,973 |
| Noninterest expense to average assets | 2.0863% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1364% | 1,735 |
| Return on assets (ROA) | 1.1364% | 1,840 |
| Pretax return on assets | 1.2207% | 2,125 |
| Return on Equity (ROE) | 5.5027% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.5027% | 2,065 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0872% | 3,357 |
| Assets per employee ($millions) | 8.0986% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0872% | 441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.1453% | 1,578 |
| Net loans and leases to deposits | 94.2173% | 1,059 |
| Net loans and leases to core deposits | 106.3648% | 1,038 |
| Total domestic deposits to total assets | 78.6961% | 4,106 |
| Equity capital to assets | 21.0351% | 200 |
| Core capital (leverage) ratio | 20.7507% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $180,219,500 | 3,043 |
| Average earning assets | $172,274,500 | 2,993 |
| Average equity | $37,218,000 | 2,109 |
| Average total loans | $135,135,500 | 2,771 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3116% | 3,505 |
| Cost of funding earning assets | 0.8312% | 2,522 |
| Net interest margin | 3.4804% | 3,509 |
| Noninterest income to average assets | 0.0602% | 5,012 |
| Noninterest expense to average assets | 2.0805% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2298% | 1,950 |
| Return on assets (ROA) | 1.2298% | 2,035 |
| Pretax return on assets | 1.3128% | 2,463 |
| Return on Equity (ROE) | 6.0764% | 3,894 |
| Retained earnings to average equity (ytd only) | 3.0685% | 3,488 |
| Net charge-offs to loans | -0.0751% | 4,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3110% | 3,493 |
| Assets per employee ($millions) | 8.2850% | 643 |
| Cash dividends to net income (ytd only)* | 49.5014% | 2,084 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0805% | 403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.7136% | 1,962 |
| Net loans and leases to deposits | 91.6278% | 1,413 |
| Net loans and leases to core deposits | 102.1024% | 1,399 |
| Total domestic deposits to total assets | 79.3575% | 4,110 |
| Equity capital to assets | 20.2765% | 245 |
| Core capital (leverage) ratio | 20.1096% | 235 |
| Tier 1 risk-based capital ratio | 31.9528% | 418 |
| Total risk-based capital ratio | 33.2179% | 404 |
| Memoranda: |
| Average total assets | $179,384,000 | 3,027 |
| Average earning assets | $171,792,400 | 2,963 |
| Average equity | $36,304,600 | 2,083 |
| Average total loans | $134,500,400 | 2,782 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3248% | 3,580 |
| Cost of funding earning assets | 0.8450% | 2,491 |
| Net interest margin | 3.4798% | 3,635 |
| Noninterest income to average assets | 0.0590% | 5,092 |
| Noninterest expense to average assets | 2.1007% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2090% | 2,166 |
| Return on assets (ROA) | 1.2090% | 2,239 |
| Pretax return on assets | 1.2896% | 2,705 |
| Return on Equity (ROE) | 5.9764% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.9621% | 3,418 |
| Net charge-offs to loans | -0.1003% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9635% | 3,331 |
| Assets per employee ($millions) | 7.9209% | 711 |
| Cash dividends to net income (ytd only)* | 33.7036% | 2,444 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1197% | 382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 71.3746% | 2,270 |
| Net loans and leases to deposits | 89.9856% | 1,700 |
| Net loans and leases to core deposits | 100.7531% | 1,602 |
| Total domestic deposits to total assets | 79.3178% | 4,114 |
| Equity capital to assets | 20.2398% | 246 |
| Core capital (leverage) ratio | 20.2927% | 241 |
| Tier 1 risk-based capital ratio | 32.3756% | 415 |
| Total risk-based capital ratio | 33.6410% | 406 |
| Memoranda: |
| Average total assets | $178,662,500 | 3,059 |
| Average earning assets | $171,040,750 | 2,996 |
| Average equity | $36,141,250 | 2,096 |
| Average total loans | $134,287,750 | 2,811 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3253% | 3,560 |
| Cost of funding earning assets | 0.8364% | 2,469 |
| Net interest margin | 3.4889% | 3,631 |
| Noninterest income to average assets | 0.0710% | 5,115 |
| Noninterest expense to average assets | 2.1534% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1787% | 2,227 |
| Return on assets (ROA) | 1.1787% | 2,300 |
| Pretax return on assets | 1.2598% | 2,711 |
| Return on Equity (ROE) | 5.8277% | 4,106 |
| Retained earnings to average equity (ytd only) | 4.3067% | 3,101 |
| Net charge-offs to loans | -0.0015% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0901% | 3,269 |
| Assets per employee ($millions) | 7.8101% | 715 |
| Cash dividends to net income (ytd only)* | 26.0994% | 2,797 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0206% | 460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.3145% | 1,999 |
| Net loans and leases to deposits | 92.4001% | 1,443 |
| Net loans and leases to core deposits | 103.3315% | 1,439 |
| Total domestic deposits to total assets | 79.3446% | 4,151 |
| Equity capital to assets | 20.3153% | 238 |
| Core capital (leverage) ratio | 20.4255% | 224 |
| Tier 1 risk-based capital ratio | 32.0544% | 415 |
| Total risk-based capital ratio | 33.3184% | 409 |
| Memoranda: |
| Average total assets | $177,489,670 | 3,084 |
| Average earning assets | $170,024,000 | 3,018 |
| Average equity | $35,897,330 | 2,103 |
| Average total loans | $134,768,000 | 2,818 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2983% | 3,563 |
| Cost of funding earning assets | 0.8199% | 2,423 |
| Net interest margin | 3.4785% | 3,656 |
| Noninterest income to average assets | 0.0590% | 5,184 |
| Noninterest expense to average assets | 2.1789% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1269% | 2,362 |
| Return on assets (ROA) | 1.1269% | 2,412 |
| Pretax return on assets | 1.2085% | 2,773 |
| Return on Equity (ROE) | 5.5843% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.5843% | 2,650 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3240% | 3,186 |
| Assets per employee ($millions) | 7.5011% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0313% | 470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.7335% | 2,039 |
| Net loans and leases to deposits | 91.1610% | 1,494 |
| Net loans and leases to core deposits | 101.2496% | 1,517 |
| Total domestic deposits to total assets | 79.7858% | 4,207 |
| Equity capital to assets | 19.9787% | 239 |
| Core capital (leverage) ratio | 20.3954% | 225 |
| Tier 1 risk-based capital ratio | 31.9516% | 414 |
| Total risk-based capital ratio | 33.2158% | 409 |
| Memoranda: |
| Average total assets | $176,418,000 | 3,127 |
| Average earning assets | $168,810,000 | 3,067 |
| Average equity | $35,599,500 | 2,114 |
| Average total loans | $134,945,500 | 2,849 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2408% | 3,311 |
| Cost of funding earning assets | 0.5716% | 2,910 |
| Net interest margin | 3.6692% | 3,161 |
| Noninterest income to average assets | 0.0456% | 5,282 |
| Noninterest expense to average assets | 2.1915% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2964% | 1,819 |
| Return on assets (ROA) | 1.2964% | 1,806 |
| Pretax return on assets | 1.3818% | 2,203 |
| Return on Equity (ROE) | 6.1789% | 4,121 |
| Retained earnings to average equity (ytd only) | 0.6979% | 4,805 |
| Net charge-offs to loans | -0.0297% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3305% | 3,648 |
| Assets per employee ($millions) | 7.2004% | 901 |
| Cash dividends to net income (ytd only)* | 88.7060% | 475 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9929% | 476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.2651% | 1,395 |
| Net loans and leases to deposits | 97.4371% | 943 |
| Net loans and leases to core deposits | 103.4349% | 1,461 |
| Total domestic deposits to total assets | 79.2974% | 4,252 |
| Equity capital to assets | 20.3878% | 214 |
| Core capital (leverage) ratio | 20.6433% | 212 |
| Tier 1 risk-based capital ratio | 31.1936% | 420 |
| Total risk-based capital ratio | 32.4577% | 414 |
| Memoranda: |
| Average total assets | $168,698,800 | 3,185 |
| Average earning assets | $162,187,800 | 3,121 |
| Average equity | $35,394,400 | 2,056 |
| Average total loans | $138,057,200 | 2,790 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2216% | 3,241 |
| Cost of funding earning assets | 0.5105% | 3,124 |
| Net interest margin | 3.7111% | 2,978 |
| Noninterest income to average assets | 0.0413% | 5,363 |
| Noninterest expense to average assets | 2.2997% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2222% | 2,148 |
| Return on assets (ROA) | 1.2222% | 2,147 |
| Pretax return on assets | 1.3081% | 2,593 |
| Return on Equity (ROE) | 5.7832% | 4,330 |
| Retained earnings to average equity (ytd only) | 3.7288% | 3,905 |
| Net charge-offs to loans | -0.0270% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7426% | 3,228 |
| Assets per employee ($millions) | 7.0795% | 904 |
| Cash dividends to net income (ytd only)* | 35.5237% | 2,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9715% | 512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,823 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.0710% | 1,153 |
| Net loans and leases to deposits | 100.7076% | 727 |
| Net loans and leases to core deposits | 106.4573% | 1,274 |
| Total domestic deposits to total assets | 78.5154% | 4,403 |
| Equity capital to assets | 21.0243% | 192 |
| Core capital (leverage) ratio | 20.9873% | 196 |
| Tier 1 risk-based capital ratio | 31.9066% | 401 |
| Total risk-based capital ratio | 33.1715% | 397 |
| Memoranda: |
| Average total assets | $167,671,250 | 3,219 |
| Average earning assets | $161,134,750 | 3,156 |
| Average equity | $35,435,000 | 2,064 |
| Average total loans | $138,512,500 | 2,808 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2058% | 3,095 |
| Cost of funding earning assets | 0.4206% | 3,568 |
| Net interest margin | 3.7852% | 2,619 |
| Noninterest income to average assets | 0.0791% | 5,329 |
| Noninterest expense to average assets | 2.3316% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3060% | 1,748 |
| Return on assets (ROA) | 1.3060% | 1,743 |
| Pretax return on assets | 1.3922% | 2,175 |
| Return on Equity (ROE) | 6.1688% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.6237% | 3,274 |
| Net charge-offs to loans | -0.0201% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6126% | 3,546 |
| Assets per employee ($millions) | 7.1793% | 863 |
| Cash dividends to net income (ytd only)* | 25.0459% | 2,804 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9456% | 569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,862 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.0403% | 707 |
| Net loans and leases to deposits | 107.1689% | 386 |
| Net loans and leases to core deposits | 112.9181% | 843 |
| Total domestic deposits to total assets | 76.5523% | 4,792 |
| Equity capital to assets | 21.5897% | 173 |
| Core capital (leverage) ratio | 21.6926% | 172 |
| Tier 1 risk-based capital ratio | 32.9763% | 374 |
| Total risk-based capital ratio | 34.2413% | 368 |
| Memoranda: |
| Average total assets | $166,925,670 | 3,243 |
| Average earning assets | $160,731,330 | 3,179 |
| Average equity | $35,339,330 | 2,076 |
| Average total loans | $139,000,000 | 2,807 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1534% | 3,055 |
| Cost of funding earning assets | 0.3713% | 3,819 |
| Net interest margin | 3.7822% | 2,493 |
| Noninterest income to average assets | 0.0787% | 5,402 |
| Noninterest expense to average assets | 2.3620% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2727% | 1,734 |
| Return on assets (ROA) | 1.2727% | 1,739 |
| Pretax return on assets | 1.3585% | 2,153 |
| Return on Equity (ROE) | 6.0709% | 4,136 |
| Retained earnings to average equity (ytd only) | 6.0709% | 2,677 |
| Net charge-offs to loans | -0.0402% | 4,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4849% | 3,564 |
| Assets per employee ($millions) | 7.2299% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9384% | 618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,946 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 81.7756% | 687 |
| Net loans and leases to deposits | 104.1528% | 471 |
| Net loans and leases to core deposits | 109.4739% | 1,032 |
| Total domestic deposits to total assets | 78.5150% | 4,646 |
| Equity capital to assets | 21.2523% | 175 |
| Core capital (leverage) ratio | 21.2182% | 176 |
| Tier 1 risk-based capital ratio | 31.1816% | 431 |
| Total risk-based capital ratio | 32.4447% | 425 |
| Memoranda: |
| Average total assets | $167,826,000 | 3,270 |
| Average earning assets | $161,601,000 | 3,195 |
| Average equity | $35,184,000 | 2,090 |
| Average total loans | $139,421,500 | 2,819 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0043% | 3,392 |
| Cost of funding earning assets | 0.3444% | 3,762 |
| Net interest margin | 3.6598% | 2,952 |
| Noninterest income to average assets | 0.0662% | 5,493 |
| Noninterest expense to average assets | 2.1988% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2899% | 1,251 |
| Return on assets (ROA) | 1.2899% | 1,271 |
| Pretax return on assets | 1.3774% | 2,063 |
| Return on Equity (ROE) | 6.1951% | 3,679 |
| Retained earnings to average equity (ytd only) | 1.2373% | 4,530 |
| Net charge-offs to loans | -0.0044% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4838% | 4,018 |
| Assets per employee ($millions) | 7.0568% | 948 |
| Cash dividends to net income (ytd only)* | 80.0275% | 844 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9077% | 638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,982 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 81.1849% | 803 |
| Net loans and leases to deposits | 102.7469% | 563 |
| Net loans and leases to core deposits | 107.6036% | 1,165 |
| Total domestic deposits to total assets | 79.0144% | 4,538 |
| Equity capital to assets | 20.6821% | 187 |
| Core capital (leverage) ratio | 20.3066% | 192 |
| Tier 1 risk-based capital ratio | 30.5998% | 439 |
| Total risk-based capital ratio | 31.8629% | 436 |
| Memoranda: |
| Average total assets | $169,232,000 | 3,254 |
| Average earning assets | $162,302,200 | 3,168 |
| Average equity | $35,237,600 | 2,067 |
| Average total loans | $136,642,200 | 2,830 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9769% | 3,437 |
| Cost of funding earning assets | 0.3421% | 3,748 |
| Net interest margin | 3.6348% | 3,017 |
| Noninterest income to average assets | 0.0914% | 5,506 |
| Noninterest expense to average assets | 2.2151% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2742% | 1,420 |
| Return on assets (ROA) | 1.2742% | 1,448 |
| Pretax return on assets | 1.3593% | 2,242 |
| Return on Equity (ROE) | 6.1092% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.0464% | 3,511 |
| Net charge-offs to loans | -0.0285% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9709% | 3,888 |
| Assets per employee ($millions) | 7.0941% | 913 |
| Cash dividends to net income (ytd only)* | 33.7661% | 2,570 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9258% | 666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,018 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 80.6705% | 890 |
| Net loans and leases to deposits | 102.8462% | 558 |
| Net loans and leases to core deposits | 108.0697% | 1,136 |
| Total domestic deposits to total assets | 78.4380% | 4,639 |
| Equity capital to assets | 21.1291% | 185 |
| Core capital (leverage) ratio | 21.3196% | 165 |
| Tier 1 risk-based capital ratio | 31.3915% | 431 |
| Total risk-based capital ratio | 32.6556% | 431 |
| Memoranda: |
| Average total assets | $169,199,000 | 3,284 |
| Average earning assets | $162,132,000 | 3,201 |
| Average equity | $35,290,000 | 2,072 |
| Average total loans | $135,759,750 | 2,853 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9455% | 3,386 |
| Cost of funding earning assets | 0.3453% | 3,628 |
| Net interest margin | 3.6002% | 3,043 |
| Noninterest income to average assets | 0.0829% | 5,564 |
| Noninterest expense to average assets | 2.2269% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2165% | 1,550 |
| Return on assets (ROA) | 1.2165% | 1,587 |
| Pretax return on assets | 1.3018% | 2,377 |
| Return on Equity (ROE) | 5.8582% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.3010% | 3,146 |
| Net charge-offs to loans | -0.0417% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1084% | 3,815 |
| Assets per employee ($millions) | 6.9892% | 941 |
| Cash dividends to net income (ytd only)* | 26.5823% | 2,879 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9622% | 642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 5,064 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.3028% | 909 |
| Net loans and leases to deposits | 102.4078% | 587 |
| Net loans and leases to core deposits | 107.6851% | 1,123 |
| Total domestic deposits to total assets | 78.4148% | 4,747 |
| Equity capital to assets | 21.2651% | 174 |
| Core capital (leverage) ratio | 20.9844% | 170 |
| Tier 1 risk-based capital ratio | 30.5135% | 446 |
| Total risk-based capital ratio | 31.7764% | 446 |
| Memoranda: |
| Average total assets | $168,846,000 | 3,298 |
| Average earning assets | $161,603,670 | 3,217 |
| Average equity | $35,062,000 | 2,073 |
| Average total loans | $134,331,330 | 2,881 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8862% | 3,443 |
| Cost of funding earning assets | 0.3463% | 3,573 |
| Net interest margin | 3.5399% | 3,120 |
| Noninterest income to average assets | 0.0850% | 5,628 |
| Noninterest expense to average assets | 2.2645% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1145% | 1,807 |
| Return on assets (ROA) | 1.1145% | 1,849 |
| Pretax return on assets | 1.1995% | 2,596 |
| Return on Equity (ROE) | 5.4318% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.4318% | 2,645 |
| Net charge-offs to loans | -0.0422% | 5,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3715% | 3,601 |
| Assets per employee ($millions) | 7.1161% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0297% | 635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 5,135 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 75.8013% | 1,443 |
| Net loans and leases to deposits | 95.6433% | 964 |
| Net loans and leases to core deposits | 100.4196% | 1,475 |
| Total domestic deposits to total assets | 79.2542% | 4,778 |
| Equity capital to assets | 20.5374% | 195 |
| Core capital (leverage) ratio | 20.9210% | 166 |
| Tier 1 risk-based capital ratio | 31.0852% | 444 |
| Total risk-based capital ratio | 32.3487% | 437 |
| Memoranda: |
| Average total assets | $169,399,000 | 3,315 |
| Average earning assets | $161,698,500 | 3,248 |
| Average equity | $34,758,000 | 2,093 |
| Average total loans | $132,799,000 | 2,921 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8767% | 3,657 |
| Cost of funding earning assets | 0.3436% | 3,597 |
| Net interest margin | 3.5331% | 3,307 |
| Noninterest income to average assets | 0.2656% | 4,829 |
| Noninterest expense to average assets | 2.3056% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2759% | 1,283 |
| Return on assets (ROA) | 1.2748% | 1,355 |
| Pretax return on assets | 1.3540% | 2,087 |
| Return on Equity (ROE) | 6.2178% | 3,878 |
| Retained earnings to average equity (ytd only) | 0.7665% | 5,015 |
| Net charge-offs to loans | -0.0246% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9825% | 4,107 |
| Assets per employee ($millions) | 7.0005% | 924 |
| Cash dividends to net income (ytd only)* | 87.6725% | 660 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9991% | 660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 5,176 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.8456% | 1,216 |
| Net loans and leases to deposits | 98.2482% | 806 |
| Net loans and leases to core deposits | 103.4813% | 1,322 |
| Total domestic deposits to total assets | 79.2336% | 4,738 |
| Equity capital to assets | 20.4991% | 193 |
| Core capital (leverage) ratio | 20.1970% | 191 |
| Tier 1 risk-based capital ratio | 30.9104% | 445 |
| Total risk-based capital ratio | 32.1746% | 440 |
| Memoranda: |
| Average total assets | $170,537,800 | 3,284 |
| Average earning assets | $163,876,800 | 3,185 |
| Average equity | $34,964,000 | 2,078 |
| Average total loans | $134,390,800 | 2,859 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9063% | 3,566 |
| Cost of funding earning assets | 0.3441% | 3,611 |
| Net interest margin | 3.5621% | 3,224 |
| Noninterest income to average assets | 0.1612% | 5,467 |
| Noninterest expense to average assets | 2.2862% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2236% | 1,545 |
| Return on assets (ROA) | 1.2222% | 1,651 |
| Pretax return on assets | 1.2923% | 2,461 |
| Return on Equity (ROE) | 5.9609% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.4412% | 3,170 |
| Net charge-offs to loans | -0.0317% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8599% | 3,954 |
| Assets per employee ($millions) | 7.1130% | 849 |
| Cash dividends to net income (ytd only)* | 25.4939% | 2,994 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9839% | 744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 4,816 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.1867% | 1,325 |
| Net loans and leases to deposits | 98.0657% | 847 |
| Net loans and leases to core deposits | 103.2285% | 1,398 |
| Total domestic deposits to total assets | 78.7092% | 4,786 |
| Equity capital to assets | 20.9271% | 196 |
| Core capital (leverage) ratio | 20.8646% | 173 |
| Tier 1 risk-based capital ratio | 31.2383% | 437 |
| Total risk-based capital ratio | 32.5020% | 433 |
| Memoranda: |
| Average total assets | $171,169,250 | 3,283 |
| Average earning assets | $164,278,750 | 3,193 |
| Average equity | $35,094,750 | 2,082 |
| Average total loans | $134,624,000 | 2,853 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8617% | 3,733 |
| Cost of funding earning assets | 0.3375% | 3,724 |
| Net interest margin | 3.5242% | 3,393 |
| Noninterest income to average assets | 0.1039% | 5,761 |
| Noninterest expense to average assets | 2.4130% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0097% | 2,348 |
| Return on assets (ROA) | 1.0086% | 2,486 |
| Pretax return on assets | 1.0787% | 3,287 |
| Return on Equity (ROE) | 4.9535% | 4,537 |
| Retained earnings to average equity (ytd only) | 3.8068% | 3,461 |
| Net charge-offs to loans | -0.0282% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0842% | 3,135 |
| Assets per employee ($millions) | 7.1452% | 822 |
| Cash dividends to net income (ytd only)* | 23.1481% | 3,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9889% | 756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 4,890 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 76.2683% | 1,450 |
| Net loans and leases to deposits | 96.3625% | 1,044 |
| Net loans and leases to core deposits | 101.1164% | 1,548 |
| Total domestic deposits to total assets | 79.1473% | 4,741 |
| Equity capital to assets | 20.5500% | 203 |
| Core capital (leverage) ratio | 20.4434% | 180 |
| Tier 1 risk-based capital ratio | 31.3900% | 438 |
| Total risk-based capital ratio | 32.6538% | 434 |
| Memoranda: |
| Average total assets | $171,321,670 | 3,293 |
| Average earning assets | $164,748,000 | 3,212 |
| Average equity | $34,884,670 | 2,092 |
| Average total loans | $134,687,330 | 2,857 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8628% | 3,723 |
| Cost of funding earning assets | 0.3348% | 3,779 |
| Net interest margin | 3.5280% | 3,365 |
| Noninterest income to average assets | 0.1145% | 5,769 |
| Noninterest expense to average assets | 2.5111% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9297% | 2,605 |
| Return on assets (ROA) | 0.9297% | 2,711 |
| Pretax return on assets | 0.9998% | 3,480 |
| Return on Equity (ROE) | 4.5870% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.5870% | 3,185 |
| Net charge-offs to loans | -0.0384% | 5,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5236% | 2,867 |
| Assets per employee ($millions) | 6.6091% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9581% | 881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,960 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.1596% | 1,226 |
| Net loans and leases to deposits | 97.0878% | 833 |
| Net loans and leases to core deposits | 101.8419% | 1,353 |
| Total domestic deposits to total assets | 79.4740% | 4,863 |
| Equity capital to assets | 20.3293% | 199 |
| Core capital (leverage) ratio | 20.4299% | 183 |
| Tier 1 risk-based capital ratio | 31.3369% | 452 |
| Total risk-based capital ratio | 32.6010% | 452 |
| Memoranda: |
| Average total assets | $171,240,500 | 3,312 |
| Average earning assets | $164,854,500 | 3,214 |
| Average equity | $34,707,000 | 2,104 |
| Average total loans | $135,310,000 | 2,859 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1493% | 2,738 |
| Cost of funding earning assets | 0.3332% | 3,871 |
| Net interest margin | 3.8161% | 2,323 |
| Noninterest income to average assets | 0.0682% | 5,956 |
| Noninterest expense to average assets | 2.4880% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1807% | 1,618 |
| Return on assets (ROA) | 1.1796% | 1,700 |
| Pretax return on assets | 1.2519% | 2,461 |
| Return on Equity (ROE) | 5.8255% | 4,122 |
| Retained earnings to average equity (ytd only) | 0.8265% | 5,193 |
| Net charge-offs to loans | 0.0355% | 3,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 42.1373% | 1,128 |
| Efficiency ratio | 66.5056% | 3,828 |
| Assets per employee ($millions) | 6.5633% | 1,070 |
| Cash dividends to net income (ytd only)* | 85.8131% | 720 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9463% | 887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 4,202 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.7925% | 1,149 |
| Net loans and leases to deposits | 97.8088% | 834 |
| Net loans and leases to core deposits | 102.3887% | 1,337 |
| Total domestic deposits to total assets | 79.5353% | 4,859 |
| Equity capital to assets | 20.2063% | 205 |
| Core capital (leverage) ratio | 20.1362% | 196 |
| Tier 1 risk-based capital ratio | 30.7990% | 472 |
| Total risk-based capital ratio | 32.0629% | 467 |
| Memoranda: |
| Average total assets | $171,500,600 | 3,281 |
| Average earning assets | $165,065,800 | 3,191 |
| Average equity | $34,726,600 | 2,053 |
| Average total loans | $143,543,200 | 2,688 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2097% | 2,543 |
| Cost of funding earning assets | 0.3339% | 3,933 |
| Net interest margin | 3.8758% | 2,111 |
| Noninterest income to average assets | 0.0800% | 6,015 |
| Noninterest expense to average assets | 2.5546% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1863% | 1,693 |
| Return on assets (ROA) | 1.1849% | 1,766 |
| Pretax return on assets | 1.2548% | 2,579 |
| Return on Equity (ROE) | 5.8486% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.9055% | 3,687 |
| Net charge-offs to loans | 0.0412% | 3,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 35.9547% | 1,337 |
| Efficiency ratio | 67.0334% | 3,703 |
| Assets per employee ($millions) | 6.5313% | 1,059 |
| Cash dividends to net income (ytd only)* | 33.2239% | 2,651 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8685% | 1,139 |
| Loan loss allowance to noncurrent loans | 132,050.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 4,505 |
| Noncurrent loans to loans | 0.0014% | 5,671 |
| Net loans and leases to total assets | 81.6787% | 617 |
| Net loans and leases to deposits | 103.6126% | 466 |
| Net loans and leases to core deposits | 105.8633% | 1,107 |
| Total domestic deposits to total assets | 78.8308% | 5,015 |
| Equity capital to assets | 20.7664% | 204 |
| Core capital (leverage) ratio | 20.5495% | 181 |
| Tier 1 risk-based capital ratio | 42.4724% | 221 |
| Total risk-based capital ratio | 43.7467% | 216 |
| Memoranda: |
| Average total assets | $171,714,500 | 3,304 |
| Average earning assets | $165,294,750 | 3,211 |
| Average equity | $34,788,000 | 2,065 |
| Average total loans | $145,583,000 | 2,670 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2253% | 2,452 |
| Cost of funding earning assets | 0.3312% | 4,035 |
| Net interest margin | 3.8941% | 1,998 |
| Noninterest income to average assets | 0.0847% | 6,076 |
| Noninterest expense to average assets | 2.5855% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1815% | 1,660 |
| Return on assets (ROA) | 1.1836% | 1,721 |
| Pretax return on assets | 1.2533% | 2,537 |
| Return on Equity (ROE) | 5.8910% | 4,184 |
| Retained earnings to average equity (ytd only) | 4.4240% | 3,196 |
| Net charge-offs to loans | 0.0599% | 2,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,562 |
| Efficiency ratio | 67.3926% | 3,770 |
| Assets per employee ($millions) | 6.5553% | 1,028 |
| Cash dividends to net income (ytd only)* | 24.9020% | 3,007 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8357% | 1,300 |
| Loan loss allowance to noncurrent loans | 2,016.7939% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 4,295 |
| Noncurrent loans to loans | 0.0910% | 5,380 |
| Net loans and leases to total assets | 82.8948% | 484 |
| Net loans and leases to deposits | 104.6827% | 422 |
| Net loans and leases to core deposits | 109.4164% | 867 |
| Total domestic deposits to total assets | 79.1867% | 5,055 |
| Equity capital to assets | 20.5217% | 205 |
| Core capital (leverage) ratio | 20.3723% | 187 |
| Tier 1 risk-based capital ratio | 41.3769% | 236 |
| Total risk-based capital ratio | 42.6495% | 232 |
| Memoranda: |
| Average total assets | $172,348,330 | 3,311 |
| Average earning assets | $166,048,000 | 3,219 |
| Average equity | $34,629,330 | 2,081 |
| Average total loans | $146,996,670 | 2,659 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1892% | 2,503 |
| Cost of funding earning assets | 0.3303% | 4,090 |
| Net interest margin | 3.8588% | 2,033 |
| Noninterest income to average assets | 0.1062% | 6,052 |
| Noninterest expense to average assets | 2.6497% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1082% | 1,842 |
| Return on assets (ROA) | 1.1125% | 1,932 |
| Pretax return on assets | 1.1817% | 2,737 |
| Return on Equity (ROE) | 5.5956% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.5956% | 2,721 |
| Net charge-offs to loans | -0.0889% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2400% | 3,616 |
| Assets per employee ($millions) | 6.4253% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8421% | 1,411 |
| Loan loss allowance to noncurrent loans | 368.9281% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 3,836 |
| Noncurrent loans to loans | 0.4993% | 4,080 |
| Net loans and leases to total assets | 83.5164% | 342 |
| Net loans and leases to deposits | 105.8126% | 320 |
| Net loans and leases to core deposits | 111.2317% | 696 |
| Total domestic deposits to total assets | 78.9286% | 5,277 |
| Equity capital to assets | 20.0148% | 227 |
| Core capital (leverage) ratio | 20.2164% | 199 |
| Tier 1 risk-based capital ratio | 28.4932% | 621 |
| Total risk-based capital ratio | 29.2002% | 640 |
| Memoranda: |
| Average total assets | $173,303,000 | 3,315 |
| Average earning assets | $167,098,000 | 3,219 |
| Average equity | $34,455,500 | 2,100 |
| Average total loans | $148,531,500 | 2,641 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4178% | 2,170 |
| Cost of funding earning assets | 0.3623% | 4,116 |
| Net interest margin | 4.0555% | 1,719 |
| Noninterest income to average assets | 0.1775% | 5,791 |
| Noninterest expense to average assets | 2.6380% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3846% | 1,111 |
| Return on assets (ROA) | 1.3846% | 1,146 |
| Pretax return on assets | 1.4418% | 1,748 |
| Return on Equity (ROE) | 7.0504% | 3,595 |
| Retained earnings to average equity (ytd only) | 2.4875% | 4,464 |
| Net charge-offs to loans | 0.4135% | 1,032 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.9968% | 3,764 |
| Efficiency ratio | 64.6592% | 4,466 |
| Assets per employee ($millions) | 6.4120% | 1,110 |
| Cash dividends to net income (ytd only)* | 64.7182% | 1,525 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7972% | 1,541 |
| Loan loss allowance to noncurrent loans | 564.2857% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 4,488 |
| Noncurrent loans to loans | 0.3185% | 4,699 |
| Net loans and leases to total assets | 84.7785% | 295 |
| Net loans and leases to deposits | 105.9718% | 356 |
| Net loans and leases to core deposits | 111.2432% | 722 |
| Total domestic deposits to total assets | 80.0010% | 5,016 |
| Equity capital to assets | 19.7483% | 233 |
| Core capital (leverage) ratio | 20.0704% | 209 |
| Tier 1 risk-based capital ratio | 26.2781% | 739 |
| Total risk-based capital ratio | 27.5383% | 721 |
| Memoranda: |
| Average total assets | $172,975,000 | 3,293 |
| Average earning assets | $166,439,000 | 3,198 |
| Average equity | $33,969,800 | 2,055 |
| Average total loans | $150,897,400 | 2,557 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4190% | 2,161 |
| Cost of funding earning assets | 0.3726% | 4,103 |
| Net interest margin | 4.0464% | 1,733 |
| Noninterest income to average assets | 0.2151% | 5,646 |
| Noninterest expense to average assets | 2.6722% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3669% | 1,206 |
| Return on assets (ROA) | 1.3669% | 1,241 |
| Pretax return on assets | 1.4363% | 1,869 |
| Return on Equity (ROE) | 6.9702% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.4424% | 3,489 |
| Net charge-offs to loans | 0.5421% | 704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.0293% | 3,761 |
| Efficiency ratio | 65.0403% | 4,365 |
| Assets per employee ($millions) | 6.2297% | 1,180 |
| Cash dividends to net income (ytd only)* | 36.2661% | 2,524 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7920% | 1,710 |
| Loan loss allowance to noncurrent loans | 2,495.3704% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 5,648 |
| Noncurrent loans to loans | 0.0718% | 5,737 |
| Net loans and leases to total assets | 87.8086% | 123 |
| Net loans and leases to deposits | 112.1587% | 178 |
| Net loans and leases to core deposits | 117.3319% | 456 |
| Total domestic deposits to total assets | 78.2897% | 5,468 |
| Equity capital to assets | 20.5088% | 210 |
| Core capital (leverage) ratio | 20.4313% | 199 |
| Tier 1 risk-based capital ratio | 26.7845% | 721 |
| Total risk-based capital ratio | 28.0451% | 705 |
| Memoranda: |
| Average total assets | $172,937,750 | 3,326 |
| Average earning assets | $166,397,000 | 3,229 |
| Average equity | $33,915,000 | 2,056 |
| Average total loans | $151,257,250 | 2,558 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3877% | 2,216 |
| Cost of funding earning assets | 0.3925% | 3,954 |
| Net interest margin | 3.9952% | 1,816 |
| Noninterest income to average assets | 0.2808% | 5,181 |
| Noninterest expense to average assets | 2.6553% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3947% | 1,076 |
| Return on assets (ROA) | 1.3947% | 1,123 |
| Pretax return on assets | 1.4635% | 1,661 |
| Return on Equity (ROE) | 7.2180% | 3,506 |
| Retained earnings to average equity (ytd only) | 3.4044% | 4,036 |
| Net charge-offs to loans | 0.4975% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.3873% | 3,319 |
| Efficiency ratio | 64.4686% | 4,620 |
| Assets per employee ($millions) | 6.4923% | 1,019 |
| Cash dividends to net income (ytd only)* | 52.8348% | 1,812 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9422% | 1,476 |
| Loan loss allowance to noncurrent loans | 819.2737% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 5,235 |
| Noncurrent loans to loans | 0.2371% | 5,283 |
| Net loans and leases to total assets | 87.7274% | 107 |
| Net loans and leases to deposits | 110.2210% | 203 |
| Net loans and leases to core deposits | 117.3530% | 444 |
| Total domestic deposits to total assets | 79.5923% | 5,332 |
| Equity capital to assets | 20.0991% | 211 |
| Core capital (leverage) ratio | 19.6511% | 211 |
| Tier 1 risk-based capital ratio | 25.9494% | 781 |
| Total risk-based capital ratio | 27.2114% | 761 |
| Memoranda: |
| Average total assets | $174,516,670 | 3,312 |
| Average earning assets | $167,650,000 | 3,221 |
| Average equity | $33,721,330 | 2,059 |
| Average total loans | $151,546,330 | 2,554 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2856% | 2,575 |
| Cost of funding earning assets | 0.4283% | 3,663 |
| Net interest margin | 3.8572% | 2,241 |
| Noninterest income to average assets | 0.4758% | 3,593 |
| Noninterest expense to average assets | 2.6475% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4568% | 888 |
| Return on assets (ROA) | 1.4568% | 920 |
| Pretax return on assets | 1.5244% | 1,356 |
| Return on Equity (ROE) | 7.6862% | 3,099 |
| Retained earnings to average equity (ytd only) | 6.9842% | 2,051 |
| Net charge-offs to loans | 0.6956% | 523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5606% | 2,853 |
| Efficiency ratio | 63.4595% | 4,944 |
| Assets per employee ($millions) | 6.7527% | 898 |
| Cash dividends to net income (ytd only)* | 9.1331% | 2,717 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0190% | 1,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 5,783 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 84.1950% | 226 |
| Net loans and leases to deposits | 104.6090% | 272 |
| Net loans and leases to core deposits | 113.4535% | 479 |
| Total domestic deposits to total assets | 80.4854% | 5,390 |
| Equity capital to assets | 19.3170% | 248 |
| Core capital (leverage) ratio | 19.1912% | 240 |
| Tier 1 risk-based capital ratio | 26.0180% | 792 |
| Total risk-based capital ratio | 27.2813% | 774 |
| Memoranda: |
| Average total assets | $177,375,500 | 3,303 |
| Average earning assets | $169,966,000 | 3,221 |
| Average equity | $33,618,500 | 2,052 |
| Average total loans | $151,811,500 | 2,557 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6943% | 1,587 |
| Cost of funding earning assets | 0.5567% | 3,054 |
| Net interest margin | 4.1376% | 1,550 |
| Noninterest income to average assets | 0.2096% | 5,828 |
| Noninterest expense to average assets | 2.6142% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4940% | 836 |
| Return on assets (ROA) | 1.4962% | 872 |
| Pretax return on assets | 1.5728% | 1,238 |
| Return on Equity (ROE) | 8.0727% | 2,999 |
| Retained earnings to average equity (ytd only) | 2.6240% | 4,388 |
| Net charge-offs to loans | 0.2627% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.6995% | 3,003 |
| Efficiency ratio | 62.4697% | 5,128 |
| Assets per employee ($millions) | 6.8915% | 808 |
| Cash dividends to net income (ytd only)* | 67.4953% | 1,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1669% | 1,223 |
| Loan loss allowance to noncurrent loans | 576.6551% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 4,920 |
| Noncurrent loans to loans | 0.3758% | 5,065 |
| Net loans and leases to total assets | 83.4050% | 296 |
| Net loans and leases to deposits | 102.8131% | 366 |
| Net loans and leases to core deposits | 112.1067% | 537 |
| Total domestic deposits to total assets | 81.1229% | 5,133 |
| Equity capital to assets | 18.5969% | 282 |
| Core capital (leverage) ratio | 18.5242% | 270 |
| Tier 1 risk-based capital ratio | 24.8531% | 864 |
| Total risk-based capital ratio | 26.1183% | 851 |
| Memoranda: |
| Average total assets | $177,452,600 | 3,300 |
| Average earning assets | $170,483,800 | 3,217 |
| Average equity | $32,888,600 | 2,091 |
| Average total loans | $158,351,000 | 2,448 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7604% | 1,448 |
| Cost of funding earning assets | 0.5674% | 3,102 |
| Net interest margin | 4.1930% | 1,360 |
| Noninterest income to average assets | 0.2583% | 5,596 |
| Noninterest expense to average assets | 2.7371% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4831% | 924 |
| Return on assets (ROA) | 1.4860% | 968 |
| Pretax return on assets | 1.5538% | 1,460 |
| Return on Equity (ROE) | 8.0250% | 3,116 |
| Retained earnings to average equity (ytd only) | 2.7211% | 4,695 |
| Net charge-offs to loans | 0.2187% | 2,515 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.8589% | 2,716 |
| Efficiency ratio | 63.8328% | 4,825 |
| Assets per employee ($millions) | 6.7499% | 833 |
| Cash dividends to net income (ytd only)* | 66.0921% | 1,223 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2488% | 1,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 5,579 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 85.7970% | 160 |
| Net loans and leases to deposits | 106.3519% | 233 |
| Net loans and leases to core deposits | 115.8906% | 396 |
| Total domestic deposits to total assets | 80.6727% | 5,312 |
| Equity capital to assets | 18.8635% | 271 |
| Core capital (leverage) ratio | 18.9539% | 240 |
| Tier 1 risk-based capital ratio | 24.6752% | 913 |
| Total risk-based capital ratio | 25.9417% | 893 |
| Memoranda: |
| Average total assets | $177,020,750 | 3,338 |
| Average earning assets | $170,120,500 | 3,237 |
| Average equity | $32,780,250 | 2,114 |
| Average total loans | $159,750,000 | 2,445 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7980% | 1,329 |
| Cost of funding earning assets | 0.5732% | 3,185 |
| Net interest margin | 4.2248% | 1,210 |
| Noninterest income to average assets | 0.3504% | 4,884 |
| Noninterest expense to average assets | 2.7365% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6067% | 737 |
| Return on assets (ROA) | 1.6110% | 806 |
| Pretax return on assets | 1.6786% | 1,162 |
| Return on Equity (ROE) | 8.7537% | 2,734 |
| Retained earnings to average equity (ytd only) | 3.0975% | 4,345 |
| Net charge-offs to loans | 0.3402% | 1,821 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.4036% | 2,901 |
| Efficiency ratio | 62.0434% | 5,165 |
| Assets per employee ($millions) | 6.6551% | 843 |
| Cash dividends to net income (ytd only)* | 64.6154% | 1,359 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2116% | 1,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 5,095 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 88.1877% | 86 |
| Net loans and leases to deposits | 109.3692% | 152 |
| Net loans and leases to core deposits | 119.6011% | 323 |
| Total domestic deposits to total assets | 80.6331% | 5,443 |
| Equity capital to assets | 19.0265% | 255 |
| Core capital (leverage) ratio | 18.6585% | 245 |
| Tier 1 risk-based capital ratio | 24.5657% | 923 |
| Total risk-based capital ratio | 25.8320% | 905 |
| Memoranda: |
| Average total assets | $177,528,330 | 3,342 |
| Average earning assets | $170,611,000 | 3,247 |
| Average equity | $32,672,000 | 2,121 |
| Average total loans | $161,654,670 | 2,417 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7643% | 1,365 |
| Cost of funding earning assets | 0.5785% | 3,305 |
| Net interest margin | 4.1858% | 1,227 |
| Noninterest income to average assets | 0.1246% | 6,476 |
| Noninterest expense to average assets | 2.6900% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3928% | 1,045 |
| Return on assets (ROA) | 1.3928% | 1,130 |
| Pretax return on assets | 1.4596% | 1,686 |
| Return on Equity (ROE) | 7.6935% | 3,119 |
| Retained earnings to average equity (ytd only) | -0.0983% | 5,792 |
| Net charge-offs to loans | 0.2821% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.6552% | 2,341 |
| Efficiency ratio | 64.8257% | 4,857 |
| Assets per employee ($millions) | 6.9201% | 796 |
| Cash dividends to net income (ytd only)* | 101.2780% | 637 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2245% | 1,537 |
| Loan loss allowance to noncurrent loans | 311.2069% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 4,002 |
| Noncurrent loans to loans | 0.7148% | 4,695 |
| Net loans and leases to total assets | 88.1904% | 69 |
| Net loans and leases to deposits | 112.4112% | 104 |
| Net loans and leases to core deposits | 124.3770% | 226 |
| Total domestic deposits to total assets | 78.4534% | 6,056 |
| Equity capital to assets | 18.0862% | 328 |
| Core capital (leverage) ratio | 18.0397% | 282 |
| Tier 1 risk-based capital ratio | 23.0279% | 1,159 |
| Total risk-based capital ratio | 24.2940% | 1,131 |
| Memoranda: |
| Average total assets | $179,776,500 | 3,349 |
| Average earning assets | $172,870,000 | 3,245 |
| Average equity | $32,547,000 | 2,151 |
| Average total loans | $164,460,000 | 2,385 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9189% | 1,776 |
| Cost of funding earning assets | 0.7167% | 3,355 |
| Net interest margin | 4.2021% | 1,655 |
| Noninterest income to average assets | -0.1407% | 6,938 |
| Noninterest expense to average assets | 2.5245% | 5,010 |
| Loan and lease loss provision to assets | 0.2116% | 3,028 |
| Net operating income to assets | 1.1131% | 1,895 |
| Return on assets (ROA) | 1.1131% | 2,071 |
| Pretax return on assets | 1.1554% | 2,966 |
| Return on Equity (ROE) | 6.6746% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.2922% | 3,202 |
| Net charge-offs to loans | 0.3423% | 2,923 |
| Credit loss provision to net charge-offs | 68.0272% | 4,220 |
| Earnings coverage of net charge-offs (x) | 4.3946% | 3,379 |
| Efficiency ratio | 64.8722% | 4,724 |
| Assets per employee ($millions) | 6.6530% | 921 |
| Cash dividends to net income (ytd only)* | 35.6939% | 3,100 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2360% | 1,490 |
| Loan loss allowance to noncurrent loans | 839.1892% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 5,066 |
| Noncurrent loans to loans | 0.2664% | 5,812 |
| Net loans and leases to total assets | 90.6915% | 33 |
| Net loans and leases to deposits | 112.1846% | 134 |
| Net loans and leases to core deposits | 124.5118% | 236 |
| Total domestic deposits to total assets | 80.8413% | 5,444 |
| Equity capital to assets | 18.1222% | 319 |
| Core capital (leverage) ratio | 17.5999% | 310 |
| Tier 1 risk-based capital ratio | 22.6727% | 1,157 |
| Total risk-based capital ratio | 23.9391% | 1,136 |
| Memoranda: |
| Average total assets | $189,027,800 | 3,192 |
| Average earning assets | $181,383,400 | 3,067 |
| Average equity | $31,522,400 | 2,167 |
| Average total loans | $171,780,400 | 2,291 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8938% | 2,033 |
| Cost of funding earning assets | 0.7420% | 3,413 |
| Net interest margin | 4.1518% | 1,894 |
| Noninterest income to average assets | -0.2501% | 7,084 |
| Noninterest expense to average assets | 2.4530% | 5,233 |
| Loan and lease loss provision to assets | 0.2787% | 2,340 |
| Net operating income to assets | 0.9984% | 2,514 |
| Return on assets (ROA) | 0.9984% | 2,738 |
| Pretax return on assets | 0.9984% | 3,721 |
| Return on Equity (ROE) | 6.1111% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.9084% | 4,812 |
| Net charge-offs to loans | 0.4738% | 2,201 |
| Credit loss provision to net charge-offs | 65.0407% | 4,025 |
| Earnings coverage of net charge-offs (x) | 2.9805% | 3,835 |
| Efficiency ratio | 65.7639% | 4,493 |
| Assets per employee ($millions) | 6.9172% | 774 |
| Cash dividends to net income (ytd only)* | 52.4076% | 1,589 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1817% | 1,740 |
| Loan loss allowance to noncurrent loans | 354.3103% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 1.0612% | 4,164 |
| Noncurrent loans to loans | 0.6158% | 5,206 |
| Net loans and leases to total assets | 88.7988% | 72 |
| Net loans and leases to deposits | 111.9583% | 134 |
| Net loans and leases to core deposits | 127.0668% | 220 |
| Total domestic deposits to total assets | 79.3141% | 5,801 |
| Equity capital to assets | 17.0792% | 451 |
| Core capital (leverage) ratio | 16.8052% | 391 |
| Tier 1 risk-based capital ratio | 21.6230% | 1,396 |
| Total risk-based capital ratio | 22.8889% | 1,371 |
| Memoranda: |
| Average total assets | $191,377,000 | 3,191 |
| Average earning assets | $183,465,250 | 3,073 |
| Average equity | $31,264,750 | 2,201 |
| Average total loans | $173,066,500 | 2,311 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8833% | 2,182 |
| Cost of funding earning assets | 0.7762% | 3,394 |
| Net interest margin | 4.1071% | 2,062 |
| Noninterest income to average assets | -0.4033% | 7,179 |
| Noninterest expense to average assets | 2.4021% | 5,457 |
| Loan and lease loss provision to assets | 0.3629% | 1,821 |
| Net operating income to assets | 0.7703% | 3,510 |
| Return on assets (ROA) | 0.7703% | 3,786 |
| Pretax return on assets | 0.7703% | 4,573 |
| Return on Equity (ROE) | 4.7853% | 4,916 |
| Retained earnings to average equity (ytd only) | -0.0515% | 6,043 |
| Net charge-offs to loans | 0.5854% | 1,856 |
| Credit loss provision to net charge-offs | 68.6275% | 3,600 |
| Earnings coverage of net charge-offs (x) | 2.1431% | 3,914 |
| Efficiency ratio | 67.9472% | 4,132 |
| Assets per employee ($millions) | 7.1473% | 682 |
| Cash dividends to net income (ytd only)* | 101.0767% | 414 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1422% | 1,905 |
| Loan loss allowance to noncurrent loans | 218.0023% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 3,762 |
| Noncurrent loans to loans | 0.9826% | 4,543 |
| Net loans and leases to total assets | 88.8645% | 59 |
| Net loans and leases to deposits | 113.9348% | 101 |
| Net loans and leases to core deposits | 132.7921% | 197 |
| Total domestic deposits to total assets | 77.9959% | 6,155 |
| Equity capital to assets | 16.1744% | 547 |
| Core capital (leverage) ratio | 16.4596% | 417 |
| Tier 1 risk-based capital ratio | 20.3925% | 1,605 |
| Total risk-based capital ratio | 21.6573% | 1,576 |
| Memoranda: |
| Average total assets | $192,914,330 | 3,181 |
| Average earning assets | $184,997,000 | 3,060 |
| Average equity | $31,053,670 | 2,201 |
| Average total loans | $174,240,670 | 2,307 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0185% | 1,831 |
| Cost of funding earning assets | 0.8209% | 3,301 |
| Net interest margin | 4.1976% | 1,763 |
| Noninterest income to average assets | -0.9042% | 7,278 |
| Noninterest expense to average assets | 1.8892% | 6,665 |
| Loan and lease loss provision to assets | 0.7258% | 708 |
| Net operating income to assets | 0.4998% | 4,832 |
| Return on assets (ROA) | 0.4998% | 5,043 |
| Pretax return on assets | 0.4998% | 5,431 |
| Return on Equity (ROE) | 3.1123% | 5,676 |
| Retained earnings to average equity (ytd only) | -6.5862% | 6,693 |
| Net charge-offs to loans | 1.2179% | 843 |
| Credit loss provision to net charge-offs | 66.1626% | 2,993 |
| Earnings coverage of net charge-offs (x) | 1.1172% | 3,775 |
| Efficiency ratio | 60.6525% | 5,516 |
| Assets per employee ($millions) | 7.3821% | 627 |
| Cash dividends to net income (ytd only)* | 311.6183% | 69 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1604% | 1,965 |
| Loan loss allowance to noncurrent loans | 444.1141% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 4,754 |
| Noncurrent loans to loans | 0.4865% | 5,700 |
| Net loans and leases to total assets | 88.1282% | 70 |
| Net loans and leases to deposits | 110.7838% | 128 |
| Net loans and leases to core deposits | 132.0901% | 189 |
| Total domestic deposits to total assets | 79.5497% | 5,964 |
| Equity capital to assets | 16.0045% | 576 |
| Core capital (leverage) ratio | 15.9329% | 472 |
| Tier 1 risk-based capital ratio | 20.3540% | 1,631 |
| Total risk-based capital ratio | 21.6192% | 1,596 |
| Memoranda: |
| Average total assets | $192,882,500 | 3,198 |
| Average earning assets | $184,677,500 | 3,084 |
| Average equity | $30,974,000 | 2,205 |
| Average total loans | $173,739,500 | 2,327 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9666% | 3,041 |
| Cost of funding earning assets | 0.9142% | 4,014 |
| Net interest margin | 4.0524% | 2,626 |
| Noninterest income to average assets | -0.1147% | 7,109 |
| Noninterest expense to average assets | 2.1661% | 6,337 |
| Loan and lease loss provision to assets | 0.1574% | 4,666 |
| Net operating income to assets | 1.3632% | 1,103 |
| Return on assets (ROA) | 1.3632% | 1,193 |
| Pretax return on assets | 1.4446% | 1,641 |
| Return on Equity (ROE) | 9.0085% | 2,440 |
| Retained earnings to average equity (ytd only) | 3.1680% | 3,961 |
| Net charge-offs to loans | 0.7483% | 2,283 |
| Credit loss provision to net charge-offs | 23.5337% | 5,870 |
| Earnings coverage of net charge-offs (x) | 2.3959% | 4,015 |
| Efficiency ratio | 57.4867% | 6,117 |
| Assets per employee ($millions) | 6.6838% | 865 |
| Cash dividends to net income (ytd only)* | 64.8328% | 1,359 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2417% | 1,721 |
| Loan loss allowance to noncurrent loans | 291.0037% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4342% | 3,836 |
| Noncurrent loans to loans | 0.7703% | 5,153 |
| Net loans and leases to total assets | 88.0571% | 76 |
| Net loans and leases to deposits | 107.8375% | 210 |
| Net loans and leases to core deposits | 132.9517% | 211 |
| Total domestic deposits to total assets | 81.6572% | 5,252 |
| Equity capital to assets | 16.1120% | 565 |
| Core capital (leverage) ratio | 15.7098% | 497 |
| Tier 1 risk-based capital ratio | 20.6282% | 1,496 |
| Total risk-based capital ratio | 21.8947% | 1,459 |
| Memoranda: |
| Average total assets | $204,003,400 | 3,009 |
| Average earning assets | $195,464,400 | 2,910 |
| Average equity | $30,870,800 | 2,137 |
| Average total loans | $182,276,000 | 2,209 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9549% | 3,307 |
| Cost of funding earning assets | 0.9313% | 4,187 |
| Net interest margin | 4.0235% | 2,817 |
| Noninterest income to average assets | -0.1846% | 7,259 |
| Noninterest expense to average assets | 2.1354% | 6,445 |
| Loan and lease loss provision to assets | 0.2072% | 3,945 |
| Net operating income to assets | 1.2504% | 1,518 |
| Return on assets (ROA) | 1.2504% | 1,619 |
| Pretax return on assets | 1.3298% | 2,184 |
| Return on Equity (ROE) | 8.3902% | 2,873 |
| Retained earnings to average equity (ytd only) | 2.9974% | 4,556 |
| Net charge-offs to loans | 0.9251% | 1,734 |
| Credit loss provision to net charge-offs | 25.1174% | 5,486 |
| Earnings coverage of net charge-offs (x) | 1.8631% | 4,271 |
| Efficiency ratio | 58.1473% | 5,984 |
| Assets per employee ($millions) | 6.3466% | 1,018 |
| Cash dividends to net income (ytd only)* | 64.2748% | 1,059 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2780% | 1,727 |
| Loan loss allowance to noncurrent loans | 385.7281% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 4,970 |
| Noncurrent loans to loans | 0.5906% | 5,694 |
| Net loans and leases to total assets | 87.2140% | 99 |
| Net loans and leases to deposits | 106.1399% | 245 |
| Net loans and leases to core deposits | 132.8610% | 218 |
| Total domestic deposits to total assets | 82.1689% | 5,028 |
| Equity capital to assets | 15.7350% | 681 |
| Core capital (leverage) ratio | 15.4719% | 582 |
| Tier 1 risk-based capital ratio | 20.1902% | 1,642 |
| Total risk-based capital ratio | 21.4570% | 1,604 |
| Memoranda: |
| Average total assets | $206,546,500 | 2,998 |
| Average earning assets | $197,996,250 | 2,888 |
| Average equity | $30,781,000 | 2,152 |
| Average total loans | $184,196,000 | 2,206 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9295% | 3,489 |
| Cost of funding earning assets | 0.9419% | 4,380 |
| Net interest margin | 3.9876% | 2,900 |
| Noninterest income to average assets | 0.0963% | 6,847 |
| Noninterest expense to average assets | 2.1066% | 6,577 |
| Loan and lease loss provision to assets | 0.4709% | 2,102 |
| Net operating income to assets | 1.2544% | 1,432 |
| Return on assets (ROA) | 1.2544% | 1,500 |
| Pretax return on assets | 1.3402% | 1,998 |
| Return on Equity (ROE) | 8.5672% | 2,694 |
| Retained earnings to average equity (ytd only) | 3.9581% | 3,675 |
| Net charge-offs to loans | 0.5282% | 2,510 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 3.8462% | 3,035 |
| Efficiency ratio | 53.7713% | 6,640 |
| Assets per employee ($millions) | 6.5271% | 919 |
| Cash dividends to net income (ytd only)* | 53.7994% | 1,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7667% | 1,109 |
| Loan loss allowance to noncurrent loans | 437.8975% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.9751% | 4,916 |
| Noncurrent loans to loans | 0.6318% | 5,660 |
| Net loans and leases to total assets | 86.0986% | 134 |
| Net loans and leases to deposits | 104.0594% | 316 |
| Net loans and leases to core deposits | 135.7460% | 214 |
| Total domestic deposits to total assets | 82.7399% | 4,886 |
| Equity capital to assets | 15.2630% | 759 |
| Core capital (leverage) ratio | 14.9225% | 682 |
| Tier 1 risk-based capital ratio | 19.2261% | 1,777 |
| Total risk-based capital ratio | 20.4988% | 1,740 |
| Memoranda: |
| Average total assets | $209,813,330 | 2,977 |
| Average earning assets | $201,075,000 | 2,860 |
| Average equity | $30,722,000 | 2,139 |
| Average total loans | $187,064,670 | 2,202 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9341% | 3,388 |
| Cost of funding earning assets | 0.9516% | 4,552 |
| Net interest margin | 3.9826% | 2,759 |
| Noninterest income to average assets | 0.1049% | 6,887 |
| Noninterest expense to average assets | 2.1128% | 6,602 |
| Loan and lease loss provision to assets | 0.2416% | 3,259 |
| Net operating income to assets | 1.4760% | 917 |
| Return on assets (ROA) | 1.4760% | 959 |
| Pretax return on assets | 1.5603% | 1,280 |
| Return on Equity (ROE) | 10.2867% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.2867% | 1,050 |
| Net charge-offs to loans | 0.2701% | 2,989 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.4574% | 1,943 |
| Efficiency ratio | 53.9713% | 6,702 |
| Assets per employee ($millions) | 6.6789% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6316% | 1,276 |
| Loan loss allowance to noncurrent loans | 437.8975% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 5,097 |
| Noncurrent loans to loans | 0.6010% | 5,829 |
| Net loans and leases to total assets | 88.5842% | 67 |
| Net loans and leases to deposits | 108.2071% | 210 |
| Net loans and leases to core deposits | 137.3909% | 214 |
| Total domestic deposits to total assets | 81.8654% | 5,362 |
| Equity capital to assets | 14.9923% | 774 |
| Core capital (leverage) ratio | 14.7520% | 702 |
| Tier 1 risk-based capital ratio | 18.2444% | 2,038 |
| Total risk-based capital ratio | 19.5152% | 1,986 |
| Memoranda: |
| Average total assets | $213,550,500 | 2,951 |
| Average earning assets | $204,291,000 | 2,847 |
| Average equity | $30,641,500 | 2,138 |
| Average total loans | $191,013,000 | 2,191 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9404% | 4,831 |
| Cost of funding earning assets | 1.1193% | 5,029 |
| Net interest margin | 3.8211% | 3,863 |
| Noninterest income to average assets | 0.0915% | 6,939 |
| Noninterest expense to average assets | 1.8504% | 7,219 |
| Loan and lease loss provision to assets | 3.2120% | 272 |
| Net operating income to assets | -1.3006% | 6,830 |
| Return on assets (ROA) | -1.3006% | 6,858 |
| Pretax return on assets | -1.2971% | 6,775 |
| Return on Equity (ROE) | -9.1984% | 6,690 |
| Retained earnings to average equity (ytd only) | -9.1984% | 6,612 |
| Net charge-offs to loans | 2.3292% | 826 |
| Credit loss provision to net charge-offs | 152.0820% | 2,361 |
| Earnings coverage of net charge-offs (x) | 0.9067% | 5,208 |
| Efficiency ratio | 49.1432% | 7,194 |
| Assets per employee ($millions) | 7.0985% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5597% | 1,332 |
| Loan loss allowance to noncurrent loans | 446.5766% | 708 |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 4,766 |
| Noncurrent loans to loans | 0.5732% | 5,906 |
| Net loans and leases to total assets | 85.7522% | 195 |
| Net loans and leases to deposits | 106.0499% | 322 |
| Net loans and leases to core deposits | 140.9971% | 222 |
| Total domestic deposits to total assets | 80.8602% | 5,565 |
| Equity capital to assets | 13.7429% | 1,117 |
| Core capital (leverage) ratio | 13.7381% | 917 |
| Tier 1 risk-based capital ratio | 17.5867% | 2,138 |
| Total risk-based capital ratio | 18.8571% | 2,100 |
| Memoranda: |
| Average total assets | $226,273,200 | 2,795 |
| Average earning assets | $217,552,600 | 2,659 |
| Average equity | $31,994,800 | 2,049 |
| Average total loans | $205,173,800 | 2,111 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7618% | 5,814 |
| Cost of funding earning assets | 1.1314% | 5,248 |
| Net interest margin | 3.6304% | 4,727 |
| Noninterest income to average assets | 0.0960% | 7,065 |
| Noninterest expense to average assets | 1.8025% | 7,321 |
| Loan and lease loss provision to assets | 4.1247% | 147 |
| Net operating income to assets | -2.3403% | 7,310 |
| Return on assets (ROA) | -2.3403% | 7,327 |
| Pretax return on assets | -2.3403% | 7,280 |
| Return on Equity (ROE) | -16.4396% | 7,144 |
| Retained earnings to average equity (ytd only) | -16.4396% | 7,120 |
| Net charge-offs to loans | 2.9646% | 531 |
| Credit loss provision to net charge-offs | 152.3562% | 2,545 |
| Earnings coverage of net charge-offs (x) | 0.6591% | 5,384 |
| Efficiency ratio | 50.2529% | 7,131 |
| Assets per employee ($millions) | 7.2492% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4280% | 1,437 |
| Loan loss allowance to noncurrent loans | 85.3254% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 3.0344% | 2,394 |
| Noncurrent loans to loans | 2.8456% | 2,805 |
| Net loans and leases to total assets | 90.3594% | 50 |
| Net loans and leases to deposits | 112.0150% | 219 |
| Net loans and leases to core deposits | 155.5546% | 165 |
| Total domestic deposits to total assets | 80.6672% | 5,488 |
| Equity capital to assets | 13.4443% | 1,373 |
| Core capital (leverage) ratio | 12.9135% | 1,261 |
| Tier 1 risk-based capital ratio | 16.4779% | 2,564 |
| Total risk-based capital ratio | 17.7464% | 2,512 |
| Memoranda: |
| Average total assets | $227,827,750 | 2,818 |
| Average earning assets | $219,071,250 | 2,679 |
| Average equity | $32,433,000 | 2,043 |
| Average total loans | $208,052,500 | 2,116 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6792% | 6,213 |
| Cost of funding earning assets | 1.1397% | 5,460 |
| Net interest margin | 3.5395% | 5,094 |
| Noninterest income to average assets | 0.1012% | 7,094 |
| Noninterest expense to average assets | 1.7779% | 7,410 |
| Loan and lease loss provision to assets | 1.2971% | 1,062 |
| Net operating income to assets | 0.3891% | 4,799 |
| Return on assets (ROA) | 0.3891% | 4,966 |
| Pretax return on assets | 0.4289% | 5,126 |
| Return on Equity (ROE) | 2.6867% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.6867% | 4,433 |
| Net charge-offs to loans | 2.4683% | 706 |
| Credit loss provision to net charge-offs | 57.8035% | 5,259 |
| Earnings coverage of net charge-offs (x) | 0.7692% | 4,991 |
| Efficiency ratio | 50.7404% | 7,174 |
| Assets per employee ($millions) | 7.6372% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6578% | 7,323 |
| Loan loss allowance to noncurrent loans | 29.9847% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 2.3918% | 3,008 |
| Noncurrent loans to loans | 2.1937% | 3,489 |
| Net loans and leases to total assets | 90.5040% | 60 |
| Net loans and leases to deposits | 113.2335% | 211 |
| Net loans and leases to core deposits | 161.4337% | 162 |
| Total domestic deposits to total assets | 79.9268% | 5,750 |
| Equity capital to assets | 14.7034% | 949 |
| Core capital (leverage) ratio | 14.5036% | 817 |
| Tier 1 risk-based capital ratio | 18.2777% | 1,877 |
| Total risk-based capital ratio | 19.0252% | 1,979 |
| Memoranda: |
| Average total assets | $231,278,670 | 2,790 |
| Average earning assets | $222,345,670 | 2,658 |
| Average equity | $33,498,000 | 1,986 |
| Average total loans | $210,270,330 | 2,123 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6244% | 6,492 |
| Cost of funding earning assets | 1.1691% | 5,561 |
| Net interest margin | 3.4553% | 5,351 |
| Noninterest income to average assets | 0.1119% | 7,130 |
| Noninterest expense to average assets | 1.6750% | 7,595 |
| Loan and lease loss provision to assets | 1.2050% | 1,011 |
| Net operating income to assets | 0.5491% | 4,143 |
| Return on assets (ROA) | 0.5491% | 4,275 |
| Pretax return on assets | 0.5491% | 4,789 |
| Return on Equity (ROE) | 3.8200% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.8200% | 3,848 |
| Net charge-offs to loans | 4.8048% | 257 |
| Credit loss provision to net charge-offs | 27.6134% | 4,854 |
| Earnings coverage of net charge-offs (x) | 0.4020% | 4,672 |
| Efficiency ratio | 48.8454% | 7,386 |
| Assets per employee ($millions) | 7.7530% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3020% | 7,755 |
| Loan loss allowance to noncurrent loans | 11.6446% | 7,296 |
| Noncurrent assets plus other real estate owned to assets | 3.0036% | 2,384 |
| Noncurrent loans to loans | 2.5937% | 3,077 |
| Net loans and leases to total assets | 89.8380% | 70 |
| Net loans and leases to deposits | 112.5029% | 245 |
| Net loans and leases to core deposits | 155.8470% | 206 |
| Total domestic deposits to total assets | 79.8539% | 5,837 |
| Equity capital to assets | 14.4270% | 1,026 |
| Core capital (leverage) ratio | 14.4610% | 861 |
| Tier 1 risk-based capital ratio | 18.1075% | 1,921 |
| Total risk-based capital ratio | 18.4502% | 2,149 |
| Memoranda: |
| Average total assets | $232,359,500 | 2,847 |
| Average earning assets | $223,077,000 | 2,697 |
| Average equity | $33,403,000 | 2,008 |
| Average total loans | $211,039,000 | 2,169 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9445% | 6,602 |
| Cost of funding earning assets | 1.5435% | 5,320 |
| Net interest margin | 3.4010% | 5,354 |
| Noninterest income to average assets | 0.1218% | 7,147 |
| Noninterest expense to average assets | 1.9220% | 7,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0492% | 1,671 |
| Return on assets (ROA) | 1.0492% | 1,710 |
| Pretax return on assets | 1.4762% | 1,246 |
| Return on Equity (ROE) | 7.4457% | 2,600 |
| Retained earnings to average equity (ytd only) | 2.5929% | 3,329 |
| Net charge-offs to loans | 0.6240% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.5502% | 3,844 |
| Efficiency ratio | 56.5603% | 6,948 |
| Assets per employee ($millions) | 7.7376% | 570 |
| Cash dividends to net income (ytd only)* | 65.1764% | 1,764 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1615% | 5,579 |
| Loan loss allowance to noncurrent loans | 136.6556% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1774% | 4,744 |
| Noncurrent loans to loans | 0.8499% | 5,593 |
| Net loans and leases to total assets | 90.4768% | 74 |
| Net loans and leases to deposits | 116.6828% | 218 |
| Net loans and leases to core deposits | 135.5252% | 975 |
| Total domestic deposits to total assets | 77.5408% | 6,340 |
| Equity capital to assets | 14.3240% | 1,070 |
| Core capital (leverage) ratio | 14.4313% | 895 |
| Tier 1 risk-based capital ratio | 17.7055% | 1,967 |
| Total risk-based capital ratio | 18.9564% | 1,923 |
| Memoranda: |
| Average total assets | $232,358,600 | 2,795 |
| Average earning assets | $223,846,800 | 2,664 |
| Average equity | $32,743,600 | 2,043 |
| Average total loans | $215,537,600 | 2,145 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9887% | 6,633 |
| Cost of funding earning assets | 1.6084% | 5,363 |
| Net interest margin | 3.3804% | 5,351 |
| Noninterest income to average assets | 0.1314% | 7,220 |
| Noninterest expense to average assets | 2.0887% | 7,217 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9970% | 2,072 |
| Return on assets (ROA) | 0.9970% | 2,128 |
| Pretax return on assets | 1.3017% | 1,949 |
| Return on Equity (ROE) | 7.1045% | 3,026 |
| Retained earnings to average equity (ytd only) | 0.9524% | 4,779 |
| Net charge-offs to loans | 0.0123% | 6,751 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 113.4331% | 324 |
| Efficiency ratio | 61.6074% | 6,178 |
| Assets per employee ($millions) | 7.7018% | 583 |
| Cash dividends to net income (ytd only)* | 86.5938% | 805 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7503% | 2,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 92.1477% | 52 |
| Net loans and leases to deposits | 120.0784% | 204 |
| Net loans and leases to core deposits | 143.3532% | 782 |
| Total domestic deposits to total assets | 76.7396% | 6,413 |
| Equity capital to assets | 14.1413% | 1,261 |
| Core capital (leverage) ratio | 14.0008% | 1,089 |
| Tier 1 risk-based capital ratio | 17.4000% | 2,147 |
| Total risk-based capital ratio | 18.6595% | 2,103 |
| Memoranda: |
| Average total assets | $232,416,250 | 2,812 |
| Average earning assets | $224,072,500 | 2,687 |
| Average equity | $32,617,000 | 2,074 |
| Average total loans | $216,299,500 | 2,162 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9912% | 6,805 |
| Cost of funding earning assets | 1.7000% | 5,272 |
| Net interest margin | 3.2912% | 5,588 |
| Noninterest income to average assets | 0.1099% | 7,435 |
| Noninterest expense to average assets | 2.0724% | 7,327 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1723% | 1,553 |
| Return on assets (ROA) | 1.1723% | 1,635 |
| Pretax return on assets | 1.2067% | 2,286 |
| Return on Equity (ROE) | 8.3747% | 2,619 |
| Retained earnings to average equity (ytd only) | 1.5400% | 4,470 |
| Net charge-offs to loans | 0.0194% | 6,244 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 66.9048% | 549 |
| Efficiency ratio | 63.2006% | 6,055 |
| Assets per employee ($millions) | 7.7123% | 557 |
| Cash dividends to net income (ytd only)* | 81.6117% | 1,047 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7474% | 2,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 92.1550% | 54 |
| Net loans and leases to deposits | 125.5501% | 153 |
| Net loans and leases to core deposits | 152.2279% | 596 |
| Total domestic deposits to total assets | 73.4009% | 7,049 |
| Equity capital to assets | 14.0957% | 1,278 |
| Core capital (leverage) ratio | 13.8176% | 1,188 |
| Tier 1 risk-based capital ratio | 17.5862% | 2,116 |
| Total risk-based capital ratio | 18.8460% | 2,071 |
| Memoranda: |
| Average total assets | $232,870,330 | 2,826 |
| Average earning assets | $224,234,330 | 2,694 |
| Average equity | $32,598,000 | 2,083 |
| Average total loans | $216,164,670 | 2,188 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9727% | 7,005 |
| Cost of funding earning assets | 1.6071% | 6,006 |
| Net interest margin | 3.3656% | 5,268 |
| Noninterest income to average assets | 0.1164% | 7,446 |
| Noninterest expense to average assets | 1.9930% | 7,369 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3235% | 1,330 |
| Return on assets (ROA) | 1.3235% | 1,434 |
| Pretax return on assets | 1.3578% | 2,096 |
| Return on Equity (ROE) | 9.4874% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.7008% | 3,303 |
| Net charge-offs to loans | 0.0834% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 17.6222% | 1,500 |
| Efficiency ratio | 59.4788% | 6,482 |
| Assets per employee ($millions) | 7.7991% | 547 |
| Cash dividends to net income (ytd only)* | 50.4528% | 1,744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7428% | 2,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 7,472 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 90.7921% | 111 |
| Net loans and leases to deposits | 123.0052% | 236 |
| Net loans and leases to core deposits | 147.1244% | 808 |
| Total domestic deposits to total assets | 73.8116% | 6,918 |
| Equity capital to assets | 14.0054% | 1,362 |
| Core capital (leverage) ratio | 13.9043% | 1,209 |
| Tier 1 risk-based capital ratio | 17.7516% | 2,111 |
| Total risk-based capital ratio | 19.0116% | 2,060 |
| Memoranda: |
| Average total assets | $233,621,000 | 2,836 |
| Average earning assets | $224,506,500 | 2,714 |
| Average equity | $32,590,500 | 2,082 |
| Average total loans | $215,742,000 | 2,214 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9925% | 5,576 |
| Cost of funding earning assets | 2.4732% | 4,346 |
| Net interest margin | 3.5193% | 5,230 |
| Noninterest income to average assets | 0.1134% | 7,554 |
| Noninterest expense to average assets | 1.9688% | 7,499 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0290% | 2,431 |
| Return on assets (ROA) | 1.0290% | 2,320 |
| Pretax return on assets | 1.5123% | 1,648 |
| Return on Equity (ROE) | 7.3442% | 3,347 |
| Retained earnings to average equity (ytd only) | -0.3046% | 5,380 |
| Net charge-offs to loans | -0.0019% | 7,740 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5573% | 6,935 |
| Assets per employee ($millions) | 7.7756% | 498 |
| Cash dividends to net income (ytd only)* | 104.1475% | 887 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7711% | 1,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 7,312 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 90.6567% | 154 |
| Net loans and leases to deposits | 131.9875% | 185 |
| Net loans and leases to core deposits | 168.1066% | 437 |
| Total domestic deposits to total assets | 68.6858% | 7,411 |
| Equity capital to assets | 13.8947% | 1,463 |
| Core capital (leverage) ratio | 14.1420% | 1,233 |
| Tier 1 risk-based capital ratio | 17.5191% | 2,176 |
| Total risk-based capital ratio | 18.7790% | 2,109 |
| Memoranda: |
| Average total assets | $231,971,800 | 2,742 |
| Average earning assets | $221,978,600 | 2,634 |
| Average equity | $32,502,000 | 2,084 |
| Average total loans | $211,078,200 | 2,195 |
