| 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 | 4.5709% | 2,966 |
| Cost of funding earning assets | 1.8569% | 1,151 |
| Net interest margin | 2.7139% | 3,801 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 1.7673% | 4,043 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3260% | 1,378 |
| Return on assets (ROA) | 1.3280% | 1,340 |
| Pretax return on assets | 1.6369% | 1,171 |
| Return on Equity (ROE) | 14.6100% | 1,365 |
| Retained earnings to average equity (ytd only) | 7.4213% | 1,748 |
| Net charge-offs to loans | 0.0056% | 2,498 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 533.6667% | 276 |
| Efficiency ratio | 51.2411% | 3,886 |
| Assets per employee ($millions) | 7.3862% | 1,818 |
| Cash dividends to net income (ytd only)* | 49.1991% | 1,662 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5508% | 938 |
| Loan loss allowance to noncurrent loans | 241.2937% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 1,225 |
| Noncurrent loans to loans | 0.6427% | 1,222 |
| Net loans and leases to total assets | 57.0300% | 3,119 |
| Net loans and leases to deposits | 64.7399% | 3,252 |
| Net loans and leases to core deposits | 68.3507% | 3,387 |
| Total domestic deposits to total assets | 88.0900% | 1,320 |
| Equity capital to assets | 9.4910% | 2,352 |
| Core capital (leverage) ratio | 11.0130% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9307% | 931 |
| Memoranda: |
| Average total assets | $761,601,800 | 1,225 |
| Average earning assets | $698,031,800 | 1,236 |
| Average equity | $69,233,200 | 1,260 |
| Average total loans | $431,866,200 | 1,388 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4236% | 3,058 |
| Cost of funding earning assets | 1.7736% | 1,053 |
| Net interest margin | 2.6500% | 3,947 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 1.7388% | 4,066 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0882% | 2,090 |
| Return on assets (ROA) | 1.0911% | 2,067 |
| Pretax return on assets | 1.2727% | 2,114 |
| Return on Equity (ROE) | 12.1400% | 2,086 |
| Retained earnings to average equity (ytd only) | 12.1376% | 950 |
| Net charge-offs to loans | 0.0081% | 2,113 |
| Credit loss provision to net charge-offs | 1,034.6154% | 393 |
| Earnings coverage of net charge-offs (x) | 288.6154% | 465 |
| Efficiency ratio | 56.9107% | 3,322 |
| Assets per employee ($millions) | 7.4297% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5294% | 1,036 |
| Loan loss allowance to noncurrent loans | 293.3218% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 1,520 |
| Noncurrent loans to loans | 0.5214% | 1,516 |
| Net loans and leases to total assets | 56.1900% | 3,184 |
| Net loans and leases to deposits | 64.5145% | 3,227 |
| Net loans and leases to core deposits | 68.0490% | 3,320 |
| Total domestic deposits to total assets | 87.0900% | 1,862 |
| Equity capital to assets | 8.7849% | 2,545 |
| Core capital (leverage) ratio | 11.1998% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0132% | 945 |
| Memoranda: |
| Average total assets | $759,962,250 | 1,227 |
| Average earning assets | $696,795,250 | 1,231 |
| Average equity | $68,315,000 | 1,263 |
| Average total loans | $428,584,000 | 1,387 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2757% | 3,140 |
| Cost of funding earning assets | 1.6568% | 956 |
| Net interest margin | 2.6189% | 4,090 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 1.7686% | 4,052 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.0341% | 2,304 |
| Return on assets (ROA) | 1.0384% | 2,284 |
| Pretax return on assets | 1.2084% | 2,336 |
| Return on Equity (ROE) | 11.4600% | 2,308 |
| Retained earnings to average equity (ytd only) | 11.4620% | 1,083 |
| Net charge-offs to loans | 0.0009% | 2,397 |
| Credit loss provision to net charge-offs | 8,950.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 2,355.5000% | 58 |
| Efficiency ratio | 58.5737% | 3,121 |
| Assets per employee ($millions) | 7.1845% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5286% | 1,096 |
| Loan loss allowance to noncurrent loans | 296.7430% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 1,447 |
| Noncurrent loans to loans | 0.5151% | 1,430 |
| Net loans and leases to total assets | 57.0300% | 3,038 |
| Net loans and leases to deposits | 65.8403% | 3,069 |
| Net loans and leases to core deposits | 69.0307% | 3,184 |
| Total domestic deposits to total assets | 86.6200% | 2,047 |
| Equity capital to assets | 9.2169% | 2,363 |
| Core capital (leverage) ratio | 11.0912% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6180% | 1,012 |
| Memoranda: |
| Average total assets | $753,244,667 | 1,231 |
| Average earning assets | $689,993,333 | 1,242 |
| Average equity | $68,242,667 | 1,262 |
| Average total loans | $423,064,000 | 1,397 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1174% | 3,221 |
| Cost of funding earning assets | 1.5900% | 709 |
| Net interest margin | 2.5274% | 4,279 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 1.6569% | 4,246 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0172% | 2,477 |
| Return on assets (ROA) | 1.0172% | 2,445 |
| Pretax return on assets | 1.1924% | 2,445 |
| Return on Equity (ROE) | 11.3300% | 2,396 |
| Retained earnings to average equity (ytd only) | 11.3278% | 1,393 |
| Net charge-offs to loans | -0.0106% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.1982% | 3,280 |
| Assets per employee ($millions) | 7.1095% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5855% | 1,037 |
| Loan loss allowance to noncurrent loans | 346.0540% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 1,616 |
| Noncurrent loans to loans | 0.4582% | 1,569 |
| Net loans and leases to total assets | 54.9000% | 3,127 |
| Net loans and leases to deposits | 62.8262% | 3,175 |
| Net loans and leases to core deposits | 65.4275% | 3,267 |
| Total domestic deposits to total assets | 87.3800% | 2,142 |
| Equity capital to assets | 9.1651% | 2,396 |
| Core capital (leverage) ratio | 10.9482% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7159% | 1,038 |
| Memoranda: |
| Average total assets | $749,089,500 | 1,255 |
| Average earning assets | $689,078,000 | 1,257 |
| Average equity | $67,268,000 | 1,283 |
| Average total loans | $414,064,000 | 1,436 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7304% | 2,453 |
| Cost of funding earning assets | 0.5604% | 1,063 |
| Net interest margin | 3.1701% | 2,960 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 1.7427% | 4,100 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5213% | 836 |
| Return on assets (ROA) | 1.5248% | 801 |
| Pretax return on assets | 1.8187% | 706 |
| Return on Equity (ROE) | 16.0300% | 1,050 |
| Retained earnings to average equity (ytd only) | 8.6310% | 1,592 |
| Net charge-offs to loans | 0.1020% | 725 |
| Credit loss provision to net charge-offs | 96.7742% | 1,582 |
| Earnings coverage of net charge-offs (x) | 35.4435% | 1,578 |
| Efficiency ratio | 48.3002% | 4,221 |
| Assets per employee ($millions) | 7.0911% | 1,899 |
| Cash dividends to net income (ytd only)* | 46.1681% | 1,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6100% | 960 |
| Loan loss allowance to noncurrent loans | 328.5786% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 1,556 |
| Noncurrent loans to loans | 0.4900% | 1,475 |
| Net loans and leases to total assets | 53.8800% | 3,210 |
| Net loans and leases to deposits | 64.5397% | 2,995 |
| Net loans and leases to core deposits | 68.6965% | 2,965 |
| Total domestic deposits to total assets | 83.4900% | 3,313 |
| Equity capital to assets | 8.7926% | 2,496 |
| Core capital (leverage) ratio | 10.9420% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6150% | 1,036 |
| Memoranda: |
| Average total assets | $706,831,600 | 1,299 |
| Average earning assets | $636,734,400 | 1,321 |
| Average equity | $67,223,000 | 1,291 |
| Average total loans | $364,570,400 | 1,500 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6357% | 2,239 |
| Cost of funding earning assets | 0.3824% | 1,424 |
| Net interest margin | 3.2533% | 2,446 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 1.6916% | 4,165 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.6393% | 608 |
| Return on assets (ROA) | 1.6442% | 586 |
| Pretax return on assets | 1.9275% | 546 |
| Return on Equity (ROE) | 16.9500% | 801 |
| Retained earnings to average equity (ytd only) | 16.9466% | 212 |
| Net charge-offs to loans | 0.1146% | 546 |
| Credit loss provision to net charge-offs | 88.4868% | 1,386 |
| Earnings coverage of net charge-offs (x) | 33.9507% | 1,461 |
| Efficiency ratio | 46.1579% | 4,373 |
| Assets per employee ($millions) | 7.0541% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6915% | 892 |
| Loan loss allowance to noncurrent loans | 332.5877% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 1,579 |
| Noncurrent loans to loans | 0.5086% | 1,528 |
| Net loans and leases to total assets | 52.8400% | 3,200 |
| Net loans and leases to deposits | 61.3131% | 3,083 |
| Net loans and leases to core deposits | 63.8689% | 3,129 |
| Total domestic deposits to total assets | 86.1800% | 3,025 |
| Equity capital to assets | 8.7961% | 2,351 |
| Core capital (leverage) ratio | 10.9612% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8282% | 880 |
| Memoranda: |
| Average total assets | $697,397,750 | 1,318 |
| Average earning assets | $626,255,750 | 1,343 |
| Average equity | $67,662,000 | 1,299 |
| Average total loans | $353,774,000 | 1,520 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4850% | 2,183 |
| Cost of funding earning assets | 0.3168% | 1,557 |
| Net interest margin | 3.1682% | 2,294 |
| Noninterest income to average assets | 0.7319% | 1,229 |
| Noninterest expense to average assets | 1.6686% | 4,185 |
| Loan and lease loss provision to assets | 0.0519% | 1,652 |
| Net operating income to assets | 1.5800% | 574 |
| Return on assets (ROA) | 1.5875% | 556 |
| Pretax return on assets | 1.8463% | 536 |
| Return on Equity (ROE) | 15.8479% | 729 |
| Retained earnings to average equity (ytd only) | 15.8479% | 205 |
| Net charge-offs to loans | 0.1686% | 376 |
| Credit loss provision to net charge-offs | 61.9377% | 1,454 |
| Earnings coverage of net charge-offs (x) | 22.5571% | 1,503 |
| Efficiency ratio | 46.8964% | 4,401 |
| Assets per employee ($millions) | 6.6340% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8332% | 768 |
| Loan loss allowance to noncurrent loans | 366.8179% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 1,687 |
| Noncurrent loans to loans | 0.4998% | 1,626 |
| Net loans and leases to total assets | 50.1925% | 3,361 |
| Net loans and leases to deposits | 55.8405% | 3,392 |
| Net loans and leases to core deposits | 58.2151% | 3,412 |
| Total domestic deposits to total assets | 89.8855% | 1,758 |
| Equity capital to assets | 9.2947% | 2,162 |
| Core capital (leverage) ratio | 11.4251% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3953% | 796 |
| Memoranda: |
| Average total assets | $690,025,000 | 1,330 |
| Average earning assets | $615,550,667 | 1,375 |
| Average equity | $69,119,667 | 1,306 |
| Average total loans | $342,781,667 | 1,549 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3948% | 2,100 |
| Cost of funding earning assets | 0.3248% | 1,414 |
| Net interest margin | 3.0700% | 2,267 |
| Noninterest income to average assets | 0.6637% | 1,437 |
| Noninterest expense to average assets | 1.5935% | 4,307 |
| Loan and lease loss provision to assets | 0.0516% | 1,454 |
| Net operating income to assets | 1.4610% | 693 |
| Return on assets (ROA) | 1.4758% | 660 |
| Pretax return on assets | 1.7372% | 639 |
| Return on Equity (ROE) | 14.2204% | 791 |
| Retained earnings to average equity (ytd only) | 14.2204% | 358 |
| Net charge-offs to loans | 0.0118% | 1,330 |
| Credit loss provision to net charge-offs | 890.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 305.6000% | 314 |
| Efficiency ratio | 47.3557% | 4,439 |
| Assets per employee ($millions) | 6.9246% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9678% | 653 |
| Loan loss allowance to noncurrent loans | 258.5859% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 1,654 |
| Noncurrent loans to loans | 0.7610% | 1,252 |
| Net loans and leases to total assets | 46.9462% | 3,492 |
| Net loans and leases to deposits | 52.3652% | 3,543 |
| Net loans and leases to core deposits | 54.6118% | 3,554 |
| Total domestic deposits to total assets | 89.6514% | 1,740 |
| Equity capital to assets | 9.6129% | 2,199 |
| Core capital (leverage) ratio | 11.1326% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3124% | 855 |
| Memoranda: |
| Average total assets | $690,067,500 | 1,335 |
| Average earning assets | $607,161,500 | 1,396 |
| Average equity | $71,615,500 | 1,306 |
| Average total loans | $337,790,000 | 1,560 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4546% | 2,788 |
| Cost of funding earning assets | 0.4433% | 1,247 |
| Net interest margin | 3.0113% | 3,166 |
| Noninterest income to average assets | 1.2781% | 653 |
| Noninterest expense to average assets | 1.7765% | 4,180 |
| Loan and lease loss provision to assets | 0.0672% | 1,728 |
| Net operating income to assets | 1.8094% | 498 |
| Return on assets (ROA) | 1.8106% | 518 |
| Pretax return on assets | 2.1109% | 482 |
| Return on Equity (ROE) | 16.0110% | 760 |
| Retained earnings to average equity (ytd only) | 9.2894% | 1,104 |
| Net charge-offs to loans | 0.0442% | 1,399 |
| Credit loss provision to net charge-offs | 291.3907% | 1,079 |
| Earnings coverage of net charge-offs (x) | 94.3709% | 904 |
| Efficiency ratio | 44.9382% | 4,541 |
| Assets per employee ($millions) | 6.8758% | 2,014 |
| Cash dividends to net income (ytd only)* | 41.9809% | 1,936 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9497% | 659 |
| Loan loss allowance to noncurrent loans | 265.2016% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 1,750 |
| Noncurrent loans to loans | 0.7352% | 1,381 |
| Net loans and leases to total assets | 49.0872% | 3,393 |
| Net loans and leases to deposits | 55.6894% | 3,447 |
| Net loans and leases to core deposits | 58.0364% | 3,471 |
| Total domestic deposits to total assets | 88.1445% | 1,960 |
| Equity capital to assets | 11.1801% | 1,677 |
| Core capital (leverage) ratio | 11.0391% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5129% | 820 |
| Memoranda: |
| Average total assets | $654,646,400 | 1,357 |
| Average earning assets | $581,578,800 | 1,408 |
| Average equity | $74,030,400 | 1,287 |
| Average total loans | $341,583,600 | 1,552 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7789% | 2,064 |
| Cost of funding earning assets | 0.4572% | 1,304 |
| Net interest margin | 3.3217% | 2,353 |
| Noninterest income to average assets | 1.0876% | 935 |
| Noninterest expense to average assets | 1.6988% | 4,329 |
| Loan and lease loss provision to assets | 0.0716% | 1,600 |
| Net operating income to assets | 1.8743% | 585 |
| Return on assets (ROA) | 1.8757% | 605 |
| Pretax return on assets | 2.2911% | 472 |
| Return on Equity (ROE) | 16.5377% | 844 |
| Retained earnings to average equity (ytd only) | 16.5377% | 264 |
| Net charge-offs to loans | 0.0864% | 823 |
| Credit loss provision to net charge-offs | 157.2072% | 1,331 |
| Earnings coverage of net charge-offs (x) | 51.8378% | 1,224 |
| Efficiency ratio | 41.8435% | 4,667 |
| Assets per employee ($millions) | 6.8549% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8977% | 776 |
| Loan loss allowance to noncurrent loans | 258.4609% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 1,964 |
| Noncurrent loans to loans | 0.7342% | 1,525 |
| Net loans and leases to total assets | 49.3658% | 3,483 |
| Net loans and leases to deposits | 56.4569% | 3,540 |
| Net loans and leases to core deposits | 59.1035% | 3,541 |
| Total domestic deposits to total assets | 87.4397% | 2,142 |
| Equity capital to assets | 11.6704% | 1,559 |
| Core capital (leverage) ratio | 11.5355% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3269% | 771 |
| Memoranda: |
| Average total assets | $649,852,000 | 1,379 |
| Average earning assets | $581,494,000 | 1,428 |
| Average equity | $73,704,500 | 1,309 |
| Average total loans | $342,645,000 | 1,575 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6224% | 2,555 |
| Cost of funding earning assets | 0.4742% | 1,359 |
| Net interest margin | 3.1481% | 2,894 |
| Noninterest income to average assets | 0.6997% | 1,809 |
| Noninterest expense to average assets | 1.7011% | 4,357 |
| Loan and lease loss provision to assets | 0.0806% | 1,509 |
| Net operating income to assets | 1.4820% | 1,347 |
| Return on assets (ROA) | 1.4841% | 1,397 |
| Pretax return on assets | 1.7845% | 1,273 |
| Return on Equity (ROE) | 13.2189% | 1,642 |
| Retained earnings to average equity (ytd only) | 13.2189% | 684 |
| Net charge-offs to loans | 0.0314% | 1,343 |
| Credit loss provision to net charge-offs | 479.6296% | 695 |
| Earnings coverage of net charge-offs (x) | 110.8148% | 707 |
| Efficiency ratio | 47.7334% | 4,407 |
| Assets per employee ($millions) | 6.2989% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8516% | 812 |
| Loan loss allowance to noncurrent loans | 240.6597% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 1,965 |
| Noncurrent loans to loans | 0.7694% | 1,563 |
| Net loans and leases to total assets | 52.5408% | 3,292 |
| Net loans and leases to deposits | 59.7967% | 3,405 |
| Net loans and leases to core deposits | 62.6020% | 3,410 |
| Total domestic deposits to total assets | 87.8658% | 1,904 |
| Equity capital to assets | 11.3700% | 1,717 |
| Core capital (leverage) ratio | 11.0498% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2063% | 926 |
| Memoranda: |
| Average total assets | $642,541,000 | 1,382 |
| Average earning assets | $584,536,667 | 1,415 |
| Average equity | $72,139,333 | 1,324 |
| Average total loans | $344,177,667 | 1,577 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4315% | 3,117 |
| Cost of funding earning assets | 0.4894% | 1,458 |
| Net interest margin | 2.9421% | 3,403 |
| Noninterest income to average assets | 1.2108% | 841 |
| Noninterest expense to average assets | 1.6827% | 4,407 |
| Loan and lease loss provision to assets | 0.0936% | 1,430 |
| Net operating income to assets | 1.7000% | 937 |
| Return on assets (ROA) | 1.7016% | 984 |
| Pretax return on assets | 2.1144% | 792 |
| Return on Equity (ROE) | 15.2113% | 1,164 |
| Retained earnings to average equity (ytd only) | 15.2113% | 603 |
| Net charge-offs to loans | 0.0563% | 948 |
| Credit loss provision to net charge-offs | 310.4167% | 739 |
| Earnings coverage of net charge-offs (x) | 73.1458% | 741 |
| Efficiency ratio | 43.2703% | 4,615 |
| Assets per employee ($millions) | 6.6405% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8414% | 809 |
| Loan loss allowance to noncurrent loans | 221.4558% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 2,056 |
| Noncurrent loans to loans | 0.8315% | 1,605 |
| Net loans and leases to total assets | 52.3337% | 3,411 |
| Net loans and leases to deposits | 59.3587% | 3,535 |
| Net loans and leases to core deposits | 62.5136% | 3,539 |
| Total domestic deposits to total assets | 88.1652% | 1,757 |
| Equity capital to assets | 11.0121% | 1,851 |
| Core capital (leverage) ratio | 11.0086% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9605% | 934 |
| Memoranda: |
| Average total assets | $636,594,500 | 1,380 |
| Average earning assets | $579,454,000 | 1,411 |
| Average equity | $71,210,000 | 1,329 |
| Average total loans | $340,927,500 | 1,593 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9220% | 2,968 |
| Cost of funding earning assets | 0.7190% | 1,627 |
| Net interest margin | 3.2031% | 3,354 |
| Noninterest income to average assets | 0.8393% | 1,421 |
| Noninterest expense to average assets | 1.8587% | 4,380 |
| Loan and lease loss provision to assets | 0.1666% | 2,301 |
| Net operating income to assets | 1.5204% | 769 |
| Return on assets (ROA) | 1.5226% | 826 |
| Pretax return on assets | 1.7798% | 721 |
| Return on Equity (ROE) | 12.7887% | 1,095 |
| Retained earnings to average equity (ytd only) | 6.0103% | 1,788 |
| Net charge-offs to loans | 0.0385% | 2,283 |
| Credit loss provision to net charge-offs | 764.5669% | 940 |
| Earnings coverage of net charge-offs (x) | 89.2126% | 848 |
| Efficiency ratio | 48.8811% | 4,588 |
| Assets per employee ($millions) | 6.3512% | 2,045 |
| Cash dividends to net income (ytd only)* | 53.0028% | 1,678 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8776% | 757 |
| Loan loss allowance to noncurrent loans | 219.3233% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 2,167 |
| Noncurrent loans to loans | 0.8561% | 1,652 |
| Net loans and leases to total assets | 52.7950% | 3,600 |
| Net loans and leases to deposits | 60.0754% | 3,757 |
| Net loans and leases to core deposits | 63.5594% | 3,725 |
| Total domestic deposits to total assets | 87.8812% | 1,541 |
| Equity capital to assets | 11.3680% | 1,980 |
| Core capital (leverage) ratio | 10.8883% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0434% | 1,051 |
| Memoranda: |
| Average total assets | $582,887,000 | 1,359 |
| Average earning assets | $539,235,000 | 1,374 |
| Average equity | $69,397,200 | 1,303 |
| Average total loans | $330,192,800 | 1,578 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9859% | 3,012 |
| Cost of funding earning assets | 0.7700% | 1,638 |
| Net interest margin | 3.2159% | 3,444 |
| Noninterest income to average assets | 0.9214% | 1,166 |
| Noninterest expense to average assets | 1.8836% | 4,358 |
| Loan and lease loss provision to assets | 0.0745% | 3,387 |
| Net operating income to assets | 1.6906% | 587 |
| Return on assets (ROA) | 1.6995% | 637 |
| Pretax return on assets | 1.9611% | 553 |
| Return on Equity (ROE) | 14.1020% | 864 |
| Retained earnings to average equity (ytd only) | 14.1020% | 249 |
| Net charge-offs to loans | 0.0349% | 2,136 |
| Credit loss provision to net charge-offs | 372.0930% | 1,541 |
| Earnings coverage of net charge-offs (x) | 101.2093% | 782 |
| Efficiency ratio | 48.1874% | 4,598 |
| Assets per employee ($millions) | 6.4057% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6627% | 960 |
| Loan loss allowance to noncurrent loans | 198.9839% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 2,290 |
| Noncurrent loans to loans | 0.8356% | 1,757 |
| Net loans and leases to total assets | 54.6188% | 3,744 |
| Net loans and leases to deposits | 62.9566% | 3,864 |
| Net loans and leases to core deposits | 66.6720% | 3,850 |
| Total domestic deposits to total assets | 86.7563% | 1,748 |
| Equity capital to assets | 11.9237% | 1,727 |
| Core capital (leverage) ratio | 11.5158% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8918% | 929 |
| Memoranda: |
| Average total assets | $573,003,500 | 1,362 |
| Average earning assets | $532,296,000 | 1,371 |
| Average equity | $69,057,250 | 1,300 |
| Average total loans | $329,017,250 | 1,574 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0530% | 3,183 |
| Cost of funding earning assets | 0.8252% | 1,703 |
| Net interest margin | 3.2278% | 3,584 |
| Noninterest income to average assets | 1.0125% | 961 |
| Noninterest expense to average assets | 1.8751% | 4,451 |
| Loan and lease loss provision to assets | 0.0644% | 3,490 |
| Net operating income to assets | 1.8328% | 474 |
| Return on assets (ROA) | 1.8468% | 501 |
| Pretax return on assets | 2.0847% | 457 |
| Return on Equity (ROE) | 15.2644% | 674 |
| Retained earnings to average equity (ytd only) | 15.2644% | 212 |
| Net charge-offs to loans | 0.0505% | 1,762 |
| Credit loss provision to net charge-offs | 219.5122% | 1,843 |
| Earnings coverage of net charge-offs (x) | 72.7195% | 860 |
| Efficiency ratio | 46.7779% | 4,688 |
| Assets per employee ($millions) | 5.9160% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6004% | 1,010 |
| Loan loss allowance to noncurrent loans | 181.2296% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 2,284 |
| Noncurrent loans to loans | 0.8831% | 1,729 |
| Net loans and leases to total assets | 55.9188% | 3,692 |
| Net loans and leases to deposits | 64.3064% | 3,856 |
| Net loans and leases to core deposits | 68.1212% | 3,858 |
| Total domestic deposits to total assets | 86.9569% | 1,639 |
| Equity capital to assets | 11.7100% | 1,828 |
| Core capital (leverage) ratio | 11.7668% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2037% | 1,014 |
| Memoranda: |
| Average total assets | $559,021,000 | 1,376 |
| Average earning assets | $518,874,333 | 1,378 |
| Average equity | $67,634,667 | 1,306 |
| Average total loans | $324,837,000 | 1,571 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1991% | 3,210 |
| Cost of funding earning assets | 0.9427% | 1,676 |
| Net interest margin | 3.2564% | 3,699 |
| Noninterest income to average assets | 0.6698% | 1,768 |
| Noninterest expense to average assets | 1.9863% | 4,422 |
| Loan and lease loss provision to assets | 0.0674% | 2,916 |
| Net operating income to assets | 1.3797% | 1,039 |
| Return on assets (ROA) | 1.3854% | 1,099 |
| Pretax return on assets | 1.6356% | 983 |
| Return on Equity (ROE) | 11.2445% | 1,343 |
| Retained earnings to average equity (ytd only) | 11.2445% | 536 |
| Net charge-offs to loans | 0.0739% | 1,286 |
| Credit loss provision to net charge-offs | 155.1724% | 1,567 |
| Earnings coverage of net charge-offs (x) | 39.0345% | 1,039 |
| Efficiency ratio | 53.9369% | 4,401 |
| Assets per employee ($millions) | 5.5231% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7406% | 805 |
| Loan loss allowance to noncurrent loans | 196.7301% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 2,437 |
| Noncurrent loans to loans | 0.8848% | 1,844 |
| Net loans and leases to total assets | 55.9587% | 3,840 |
| Net loans and leases to deposits | 64.9158% | 3,929 |
| Net loans and leases to core deposits | 69.3043% | 3,922 |
| Total domestic deposits to total assets | 86.2021% | 1,920 |
| Equity capital to assets | 12.1427% | 1,967 |
| Core capital (leverage) ratio | 12.1806% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0288% | 981 |
| Memoranda: |
| Average total assets | $533,856,000 | 1,387 |
| Average earning assets | $493,916,500 | 1,397 |
| Average equity | $65,774,500 | 1,333 |
| Average total loans | $314,113,500 | 1,581 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3690% | 3,335 |
| Cost of funding earning assets | 1.0157% | 1,660 |
| Net interest margin | 3.3533% | 3,865 |
| Noninterest income to average assets | 0.7878% | 1,482 |
| Noninterest expense to average assets | 2.0588% | 4,430 |
| Loan and lease loss provision to assets | 0.0694% | 2,620 |
| Net operating income to assets | 1.4437% | 1,210 |
| Return on assets (ROA) | 1.4642% | 1,205 |
| Pretax return on assets | 1.7792% | 992 |
| Return on Equity (ROE) | 11.9997% | 1,513 |
| Retained earnings to average equity (ytd only) | 5.0146% | 2,404 |
| Net charge-offs to loans | -0.0103% | 4,476 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0296% | 4,516 |
| Assets per employee ($millions) | 5.1030% | 2,452 |
| Cash dividends to net income (ytd only)* | 58.2105% | 1,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7352% | 737 |
| Loan loss allowance to noncurrent loans | 189.3876% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 2,217 |
| Noncurrent loans to loans | 0.9162% | 1,676 |
| Net loans and leases to total assets | 59.8064% | 3,602 |
| Net loans and leases to deposits | 69.6769% | 3,695 |
| Net loans and leases to core deposits | 74.2327% | 3,701 |
| Total domestic deposits to total assets | 85.8339% | 2,127 |
| Equity capital to assets | 12.5113% | 1,810 |
| Core capital (leverage) ratio | 12.1486% | 1,684 |
| Tier 1 risk-based capital ratio | 17.8222% | 1,808 |
| Total risk-based capital ratio | 19.0757% | 1,756 |
| Memoranda: |
| Average total assets | $519,039,600 | 1,377 |
| Average earning assets | $478,985,200 | 1,381 |
| Average equity | $63,334,800 | 1,328 |
| Average total loans | $310,185,200 | 1,563 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3835% | 3,413 |
| Cost of funding earning assets | 1.0247% | 1,662 |
| Net interest margin | 3.3588% | 3,965 |
| Noninterest income to average assets | 0.6990% | 1,790 |
| Noninterest expense to average assets | 2.0637% | 4,425 |
| Loan and lease loss provision to assets | 0.0690% | 2,498 |
| Net operating income to assets | 1.3933% | 1,493 |
| Return on assets (ROA) | 1.3927% | 1,564 |
| Pretax return on assets | 1.6637% | 1,434 |
| Return on Equity (ROE) | 11.4852% | 1,808 |
| Retained earnings to average equity (ytd only) | 11.4852% | 455 |
| Net charge-offs to loans | -0.0095% | 4,358 |
| Credit loss provision to net charge-offs | -1,222.7273% | 4,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3490% | 4,357 |
| Assets per employee ($millions) | 5.0967% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7197% | 787 |
| Loan loss allowance to noncurrent loans | 186.5875% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 2,373 |
| Noncurrent loans to loans | 0.9217% | 1,739 |
| Net loans and leases to total assets | 58.1545% | 3,871 |
| Net loans and leases to deposits | 68.4489% | 3,890 |
| Net loans and leases to core deposits | 72.9187% | 3,896 |
| Total domestic deposits to total assets | 84.9605% | 2,440 |
| Equity capital to assets | 12.7435% | 1,757 |
| Core capital (leverage) ratio | 12.4872% | 1,576 |
| Tier 1 risk-based capital ratio | 18.4858% | 1,690 |
| Total risk-based capital ratio | 19.7390% | 1,655 |
| Memoranda: |
| Average total assets | $519,950,000 | 1,382 |
| Average earning assets | $479,607,250 | 1,389 |
| Average equity | $63,047,750 | 1,324 |
| Average total loans | $309,310,500 | 1,579 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4096% | 3,305 |
| Cost of funding earning assets | 1.0074% | 1,662 |
| Net interest margin | 3.4022% | 3,890 |
| Noninterest income to average assets | 0.6711% | 1,831 |
| Noninterest expense to average assets | 2.0557% | 4,505 |
| Loan and lease loss provision to assets | 0.0691% | 2,440 |
| Net operating income to assets | 1.4075% | 1,419 |
| Return on assets (ROA) | 1.4066% | 1,472 |
| Pretax return on assets | 1.6848% | 1,304 |
| Return on Equity (ROE) | 11.8030% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.8030% | 430 |
| Net charge-offs to loans | 0.0130% | 2,671 |
| Credit loss provision to net charge-offs | 895.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 227.4000% | 353 |
| Efficiency ratio | 53.9443% | 4,477 |
| Assets per employee ($millions) | 4.8898% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7000% | 817 |
| Loan loss allowance to noncurrent loans | 195.4239% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,505 |
| Noncurrent loans to loans | 0.8699% | 1,863 |
| Net loans and leases to total assets | 57.5808% | 3,952 |
| Net loans and leases to deposits | 67.3874% | 4,003 |
| Net loans and leases to core deposits | 71.8264% | 4,014 |
| Total domestic deposits to total assets | 85.4474% | 2,286 |
| Equity capital to assets | 12.3262% | 1,959 |
| Core capital (leverage) ratio | 12.1432% | 1,731 |
| Tier 1 risk-based capital ratio | 18.2380% | 1,741 |
| Total risk-based capital ratio | 19.4909% | 1,703 |
| Memoranda: |
| Average total assets | $518,278,330 | 1,383 |
| Average earning assets | $478,277,000 | 1,388 |
| Average equity | $61,764,000 | 1,339 |
| Average total loans | $308,869,670 | 1,579 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3585% | 3,381 |
| Cost of funding earning assets | 0.9856% | 1,633 |
| Net interest margin | 3.3729% | 3,971 |
| Noninterest income to average assets | 0.8282% | 1,222 |
| Noninterest expense to average assets | 2.1791% | 4,316 |
| Loan and lease loss provision to assets | 0.0690% | 2,280 |
| Net operating income to assets | 1.4501% | 1,232 |
| Return on assets (ROA) | 1.4501% | 1,261 |
| Pretax return on assets | 1.6983% | 1,212 |
| Return on Equity (ROE) | 12.3840% | 1,417 |
| Retained earnings to average equity (ytd only) | 12.3840% | 552 |
| Net charge-offs to loans | 0.0142% | 2,199 |
| Credit loss provision to net charge-offs | 809.0909% | 439 |
| Earnings coverage of net charge-offs (x) | 207.1818% | 375 |
| Efficiency ratio | 55.2171% | 4,414 |
| Assets per employee ($millions) | 5.0982% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6450% | 973 |
| Loan loss allowance to noncurrent loans | 167.6692% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 2,212 |
| Noncurrent loans to loans | 0.9811% | 1,703 |
| Net loans and leases to total assets | 58.4014% | 3,839 |
| Net loans and leases to deposits | 67.8897% | 3,935 |
| Net loans and leases to core deposits | 74.1927% | 3,787 |
| Total domestic deposits to total assets | 86.0239% | 2,273 |
| Equity capital to assets | 11.7851% | 2,168 |
| Core capital (leverage) ratio | 11.9942% | 1,776 |
| Tier 1 risk-based capital ratio | 17.5704% | 1,922 |
| Total risk-based capital ratio | 18.8228% | 1,874 |
| Memoranda: |
| Average total assets | $515,815,500 | 1,399 |
| Average earning assets | $476,859,500 | 1,395 |
| Average equity | $60,400,500 | 1,368 |
| Average total loans | $310,067,000 | 1,589 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2379% | 3,320 |
| Cost of funding earning assets | 0.7815% | 1,631 |
| Net interest margin | 3.4563% | 3,845 |
| Noninterest income to average assets | 0.6946% | 1,869 |
| Noninterest expense to average assets | 2.1300% | 4,494 |
| Loan and lease loss provision to assets | 0.0687% | 2,765 |
| Net operating income to assets | 1.3868% | 1,473 |
| Return on assets (ROA) | 1.3952% | 1,441 |
| Pretax return on assets | 1.6303% | 1,380 |
| Return on Equity (ROE) | 12.1531% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.0431% | 2,742 |
| Net charge-offs to loans | 0.3296% | 584 |
| Credit loss provision to net charge-offs | 34.8953% | 3,321 |
| Earnings coverage of net charge-offs (x) | 8.5813% | 2,889 |
| Efficiency ratio | 55.7708% | 4,437 |
| Assets per employee ($millions) | 4.9659% | 2,546 |
| Cash dividends to net income (ytd only)* | 58.5033% | 1,566 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6382% | 948 |
| Loan loss allowance to noncurrent loans | 118.4846% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 1,461 |
| Noncurrent loans to loans | 1.3826% | 1,129 |
| Net loans and leases to total assets | 59.8756% | 3,791 |
| Net loans and leases to deposits | 70.2968% | 3,807 |
| Net loans and leases to core deposits | 77.1035% | 3,636 |
| Total domestic deposits to total assets | 85.1755% | 2,574 |
| Equity capital to assets | 11.6315% | 2,156 |
| Core capital (leverage) ratio | 11.8418% | 1,837 |
| Tier 1 risk-based capital ratio | 17.2592% | 1,966 |
| Total risk-based capital ratio | 18.5115% | 1,923 |
| Memoranda: |
| Average total assets | $509,528,600 | 1,385 |
| Average earning assets | $460,631,600 | 1,412 |
| Average equity | $58,495,400 | 1,348 |
| Average total loans | $304,309,400 | 1,582 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1503% | 3,458 |
| Cost of funding earning assets | 0.7562% | 1,559 |
| Net interest margin | 3.3941% | 4,022 |
| Noninterest income to average assets | 0.6618% | 2,019 |
| Noninterest expense to average assets | 2.1538% | 4,419 |
| Loan and lease loss provision to assets | 0.0293% | 3,429 |
| Net operating income to assets | 1.2538% | 2,030 |
| Return on assets (ROA) | 1.2474% | 2,063 |
| Pretax return on assets | 1.5212% | 1,833 |
| Return on Equity (ROE) | 10.9011% | 2,215 |
| Retained earnings to average equity (ytd only) | 10.9011% | 668 |
| Net charge-offs to loans | 0.3486% | 470 |
| Credit loss provision to net charge-offs | 14.1236% | 3,042 |
| Earnings coverage of net charge-offs (x) | 7.5208% | 2,800 |
| Efficiency ratio | 58.0207% | 4,118 |
| Assets per employee ($millions) | 5.0669% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5719% | 1,147 |
| Loan loss allowance to noncurrent loans | 90.2443% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 1,228 |
| Noncurrent loans to loans | 1.7418% | 889 |
| Net loans and leases to total assets | 62.0740% | 3,650 |
| Net loans and leases to deposits | 74.2000% | 3,576 |
| Net loans and leases to core deposits | 80.7766% | 3,434 |
| Total domestic deposits to total assets | 83.6577% | 3,059 |
| Equity capital to assets | 11.8342% | 2,016 |
| Core capital (leverage) ratio | 12.1351% | 1,704 |
| Tier 1 risk-based capital ratio | 17.2067% | 2,018 |
| Total risk-based capital ratio | 18.4583% | 1,970 |
| Memoranda: |
| Average total assets | $510,280,750 | 1,384 |
| Average earning assets | $458,588,250 | 1,417 |
| Average equity | $58,390,250 | 1,355 |
| Average total loans | $303,303,500 | 1,593 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0830% | 3,518 |
| Cost of funding earning assets | 0.7220% | 1,509 |
| Net interest margin | 3.3610% | 4,074 |
| Noninterest income to average assets | 0.7038% | 1,857 |
| Noninterest expense to average assets | 2.1205% | 4,556 |
| Loan and lease loss provision to assets | 0.0289% | 3,331 |
| Net operating income to assets | 1.2567% | 1,957 |
| Return on assets (ROA) | 1.2450% | 1,999 |
| Pretax return on assets | 1.5359% | 1,693 |
| Return on Equity (ROE) | 11.0047% | 2,114 |
| Retained earnings to average equity (ytd only) | 11.0047% | 673 |
| Net charge-offs to loans | -0.0175% | 4,508 |
| Credit loss provision to net charge-offs | -284.6154% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3135% | 4,323 |
| Assets per employee ($millions) | 4.9703% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8882% | 648 |
| Loan loss allowance to noncurrent loans | 94.5585% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.6076% | 794 |
| Noncurrent loans to loans | 1.9969% | 752 |
| Net loans and leases to total assets | 58.9069% | 3,907 |
| Net loans and leases to deposits | 69.6987% | 3,885 |
| Net loans and leases to core deposits | 74.9314% | 3,812 |
| Total domestic deposits to total assets | 84.5165% | 2,864 |
| Equity capital to assets | 11.5132% | 2,189 |
| Core capital (leverage) ratio | 11.7059% | 1,905 |
| Tier 1 risk-based capital ratio | 16.5605% | 2,242 |
| Total risk-based capital ratio | 17.8147% | 2,183 |
| Memoranda: |
| Average total assets | $511,477,000 | 1,386 |
| Average earning assets | $455,939,330 | 1,432 |
| Average equity | $57,866,000 | 1,364 |
| Average total loans | $297,889,000 | 1,615 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0592% | 3,383 |
| Cost of funding earning assets | 0.6734% | 1,577 |
| Net interest margin | 3.3857% | 3,928 |
| Noninterest income to average assets | 0.6564% | 2,010 |
| Noninterest expense to average assets | 2.2056% | 4,404 |
| Loan and lease loss provision to assets | 0.0383% | 2,984 |
| Net operating income to assets | 1.1048% | 2,398 |
| Return on assets (ROA) | 1.1048% | 2,415 |
| Pretax return on assets | 1.3942% | 2,029 |
| Return on Equity (ROE) | 9.8520% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.8520% | 1,208 |
| Net charge-offs to loans | -0.0341% | 4,799 |
| Credit loss provision to net charge-offs | -196.0000% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6237% | 3,990 |
| Assets per employee ($millions) | 5.1677% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9594% | 589 |
| Loan loss allowance to noncurrent loans | 109.9106% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 991 |
| Noncurrent loans to loans | 1.7827% | 950 |
| Net loans and leases to total assets | 55.9446% | 4,128 |
| Net loans and leases to deposits | 65.8866% | 4,092 |
| Net loans and leases to core deposits | 71.0485% | 4,026 |
| Total domestic deposits to total assets | 84.9104% | 2,968 |
| Equity capital to assets | 11.1327% | 2,449 |
| Core capital (leverage) ratio | 11.4539% | 2,049 |
| Tier 1 risk-based capital ratio | 18.6827% | 1,639 |
| Total risk-based capital ratio | 19.9400% | 1,595 |
| Memoranda: |
| Average total assets | $511,243,000 | 1,395 |
| Average earning assets | $450,242,000 | 1,460 |
| Average equity | $57,328,500 | 1,383 |
| Average total loans | $293,146,000 | 1,644 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9993% | 3,406 |
| Cost of funding earning assets | 0.5572% | 1,899 |
| Net interest margin | 3.4421% | 3,714 |
| Noninterest income to average assets | 0.7955% | 1,579 |
| Noninterest expense to average assets | 2.0596% | 4,864 |
| Loan and lease loss provision to assets | 0.0616% | 2,997 |
| Net operating income to assets | 0.9606% | 2,403 |
| Return on assets (ROA) | 0.9596% | 2,441 |
| Pretax return on assets | 1.7757% | 848 |
| Return on Equity (ROE) | 7.9063% | 2,836 |
| Retained earnings to average equity (ytd only) | 1.0190% | 4,624 |
| Net charge-offs to loans | 0.0497% | 2,798 |
| Credit loss provision to net charge-offs | 212.7660% | 1,284 |
| Earnings coverage of net charge-offs (x) | 63.4752% | 919 |
| Efficiency ratio | 52.8327% | 5,051 |
| Assets per employee ($millions) | 5.0572% | 2,410 |
| Cash dividends to net income (ytd only)* | 87.1120% | 599 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9574% | 581 |
| Loan loss allowance to noncurrent loans | 100.0526% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.5600% | 856 |
| Noncurrent loans to loans | 1.9564% | 789 |
| Net loans and leases to total assets | 56.4951% | 4,143 |
| Net loans and leases to deposits | 67.8804% | 4,037 |
| Net loans and leases to core deposits | 73.2510% | 3,947 |
| Total domestic deposits to total assets | 83.2274% | 3,486 |
| Equity capital to assets | 11.2962% | 2,366 |
| Core capital (leverage) ratio | 11.4686% | 1,958 |
| Tier 1 risk-based capital ratio | 18.5359% | 1,639 |
| Total risk-based capital ratio | 19.7934% | 1,590 |
| Memoranda: |
| Average total assets | $486,740,800 | 1,441 |
| Average earning assets | $438,772,000 | 1,479 |
| Average equity | $59,079,600 | 1,326 |
| Average total loans | $283,820,000 | 1,639 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0199% | 3,278 |
| Cost of funding earning assets | 0.5322% | 2,019 |
| Net interest margin | 3.4877% | 3,546 |
| Noninterest income to average assets | 0.7485% | 1,793 |
| Noninterest expense to average assets | 2.0047% | 4,939 |
| Loan and lease loss provision to assets | 0.0620% | 2,835 |
| Net operating income to assets | 1.4240% | 1,037 |
| Return on assets (ROA) | 1.4240% | 1,067 |
| Pretax return on assets | 1.8343% | 812 |
| Return on Equity (ROE) | 11.5227% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.5227% | 340 |
| Net charge-offs to loans | 0.0175% | 3,153 |
| Credit loss provision to net charge-offs | 605.4054% | 542 |
| Earnings coverage of net charge-offs (x) | 185.2781% | 461 |
| Efficiency ratio | 51.3899% | 5,150 |
| Assets per employee ($millions) | 5.0077% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9647% | 607 |
| Loan loss allowance to noncurrent loans | 97.0703% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.6491% | 879 |
| Noncurrent loans to loans | 2.0240% | 841 |
| Net loans and leases to total assets | 58.2815% | 4,032 |
| Net loans and leases to deposits | 70.7343% | 3,899 |
| Net loans and leases to core deposits | 76.9529% | 3,729 |
| Total domestic deposits to total assets | 82.3949% | 3,658 |
| Equity capital to assets | 12.6924% | 1,551 |
| Core capital (leverage) ratio | 12.6434% | 1,360 |
| Tier 1 risk-based capital ratio | 19.8962% | 1,379 |
| Total risk-based capital ratio | 21.1538% | 1,344 |
| Memoranda: |
| Average total assets | $481,996,500 | 1,462 |
| Average earning assets | $435,653,750 | 1,498 |
| Average equity | $59,567,750 | 1,330 |
| Average total loans | $281,922,500 | 1,657 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9961% | 3,213 |
| Cost of funding earning assets | 0.5189% | 2,022 |
| Net interest margin | 3.4772% | 3,483 |
| Noninterest income to average assets | 0.7761% | 1,657 |
| Noninterest expense to average assets | 1.9905% | 4,991 |
| Loan and lease loss provision to assets | 0.0622% | 2,723 |
| Net operating income to assets | 1.5066% | 851 |
| Return on assets (ROA) | 1.5066% | 880 |
| Pretax return on assets | 1.8623% | 723 |
| Return on Equity (ROE) | 12.3046% | 1,207 |
| Retained earnings to average equity (ytd only) | 12.3046% | 293 |
| Net charge-offs to loans | 0.0223% | 2,775 |
| Credit loss provision to net charge-offs | 480.6452% | 684 |
| Earnings coverage of net charge-offs (x) | 148.7097% | 507 |
| Efficiency ratio | 50.8424% | 5,253 |
| Assets per employee ($millions) | 4.6635% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9941% | 610 |
| Loan loss allowance to noncurrent loans | 99.3857% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 904 |
| Noncurrent loans to loans | 2.0064% | 838 |
| Net loans and leases to total assets | 57.3874% | 4,089 |
| Net loans and leases to deposits | 67.8251% | 4,087 |
| Net loans and leases to core deposits | 73.8787% | 3,949 |
| Total domestic deposits to total assets | 84.6109% | 2,976 |
| Equity capital to assets | 12.5569% | 1,592 |
| Core capital (leverage) ratio | 12.3811% | 1,428 |
| Tier 1 risk-based capital ratio | 19.8062% | 1,407 |
| Total risk-based capital ratio | 21.0638% | 1,374 |
| Memoranda: |
| Average total assets | $479,078,330 | 1,470 |
| Average earning assets | $432,476,330 | 1,510 |
| Average equity | $58,661,000 | 1,342 |
| Average total loans | $278,647,000 | 1,671 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0207% | 2,958 |
| Cost of funding earning assets | 0.5068% | 2,032 |
| Net interest margin | 3.5139% | 3,225 |
| Noninterest income to average assets | 0.6990% | 1,975 |
| Noninterest expense to average assets | 2.0785% | 4,894 |
| Loan and lease loss provision to assets | 0.0622% | 2,567 |
| Net operating income to assets | 1.3913% | 1,017 |
| Return on assets (ROA) | 1.3913% | 1,049 |
| Pretax return on assets | 1.7155% | 974 |
| Return on Equity (ROE) | 11.5118% | 1,402 |
| Retained earnings to average equity (ytd only) | 11.5118% | 532 |
| Net charge-offs to loans | 0.0145% | 2,510 |
| Credit loss provision to net charge-offs | 740.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 211.6000% | 266 |
| Efficiency ratio | 53.8998% | 5,136 |
| Assets per employee ($millions) | 5.0154% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9841% | 688 |
| Loan loss allowance to noncurrent loans | 92.7107% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.7297% | 853 |
| Noncurrent loans to loans | 2.1401% | 804 |
| Net loans and leases to total assets | 56.9560% | 4,073 |
| Net loans and leases to deposits | 66.2596% | 4,150 |
| Net loans and leases to core deposits | 71.6346% | 4,016 |
| Total domestic deposits to total assets | 85.9588% | 2,686 |
| Equity capital to assets | 12.0301% | 1,811 |
| Core capital (leverage) ratio | 12.2209% | 1,489 |
| Tier 1 risk-based capital ratio | 19.1131% | 1,585 |
| Total risk-based capital ratio | 20.3705% | 1,546 |
| Memoranda: |
| Average total assets | $476,117,500 | 1,485 |
| Average earning assets | $427,789,500 | 1,536 |
| Average equity | $57,541,000 | 1,369 |
| Average total loans | $275,974,500 | 1,695 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9022% | 3,563 |
| Cost of funding earning assets | 0.5003% | 2,087 |
| Net interest margin | 3.4019% | 3,821 |
| Noninterest income to average assets | 0.7044% | 2,154 |
| Noninterest expense to average assets | 2.0921% | 5,015 |
| Loan and lease loss provision to assets | 0.0436% | 3,508 |
| Net operating income to assets | 1.2341% | 1,398 |
| Return on assets (ROA) | 1.3172% | 1,229 |
| Pretax return on assets | 1.7460% | 901 |
| Return on Equity (ROE) | 10.4805% | 1,770 |
| Retained earnings to average equity (ytd only) | 3.7272% | 3,268 |
| Net charge-offs to loans | 0.0822% | 2,510 |
| Credit loss provision to net charge-offs | 96.1538% | 2,677 |
| Earnings coverage of net charge-offs (x) | 37.0096% | 1,246 |
| Efficiency ratio | 55.4797% | 5,109 |
| Assets per employee ($millions) | 4.8514% | 2,570 |
| Cash dividends to net income (ytd only)* | 64.4371% | 1,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0594% | 592 |
| Loan loss allowance to noncurrent loans | 96.9067% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 2.0376% | 668 |
| Noncurrent loans to loans | 2.1252% | 822 |
| Net loans and leases to total assets | 56.6211% | 4,208 |
| Net loans and leases to deposits | 66.6060% | 4,199 |
| Net loans and leases to core deposits | 72.3463% | 4,067 |
| Total domestic deposits to total assets | 85.0090% | 3,041 |
| Equity capital to assets | 12.1433% | 1,708 |
| Core capital (leverage) ratio | 12.1778% | 1,490 |
| Tier 1 risk-based capital ratio | 19.4270% | 1,499 |
| Total risk-based capital ratio | 20.6852% | 1,453 |
| Memoranda: |
| Average total assets | $458,538,000 | 1,486 |
| Average earning assets | $413,333,400 | 1,520 |
| Average equity | $57,630,600 | 1,332 |
| Average total loans | $253,056,200 | 1,773 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8682% | 3,703 |
| Cost of funding earning assets | 0.4959% | 2,128 |
| Net interest margin | 3.3723% | 3,950 |
| Noninterest income to average assets | 0.7029% | 2,154 |
| Noninterest expense to average assets | 2.1117% | 4,987 |
| Loan and lease loss provision to assets | 0.0657% | 2,910 |
| Net operating income to assets | 1.1534% | 1,792 |
| Return on assets (ROA) | 1.2631% | 1,502 |
| Pretax return on assets | 1.7130% | 1,081 |
| Return on Equity (ROE) | 9.9642% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.9642% | 582 |
| Net charge-offs to loans | 0.1076% | 1,867 |
| Credit loss provision to net charge-offs | 111.9403% | 2,199 |
| Earnings coverage of net charge-offs (x) | 27.7864% | 1,556 |
| Efficiency ratio | 56.4319% | 5,014 |
| Assets per employee ($millions) | 4.8304% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0844% | 622 |
| Loan loss allowance to noncurrent loans | 354.3202% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1830% | 1,687 |
| Noncurrent loans to loans | 0.5883% | 3,241 |
| Net loans and leases to total assets | 56.4962% | 4,256 |
| Net loans and leases to deposits | 66.5273% | 4,300 |
| Net loans and leases to core deposits | 72.0968% | 4,154 |
| Total domestic deposits to total assets | 84.9218% | 2,836 |
| Equity capital to assets | 13.0632% | 1,459 |
| Core capital (leverage) ratio | 12.7315% | 1,298 |
| Tier 1 risk-based capital ratio | 20.3635% | 1,379 |
| Total risk-based capital ratio | 21.6220% | 1,344 |
| Memoranda: |
| Average total assets | $456,738,000 | 1,493 |
| Average earning assets | $411,616,250 | 1,528 |
| Average equity | $57,899,250 | 1,337 |
| Average total loans | $249,007,500 | 1,800 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9000% | 3,609 |
| Cost of funding earning assets | 0.4920% | 2,170 |
| Net interest margin | 3.4081% | 3,859 |
| Noninterest income to average assets | 0.6738% | 2,255 |
| Noninterest expense to average assets | 2.0616% | 5,143 |
| Loan and lease loss provision to assets | 0.0660% | 2,822 |
| Net operating income to assets | 1.2490% | 1,429 |
| Return on assets (ROA) | 1.3384% | 1,263 |
| Pretax return on assets | 1.7390% | 1,005 |
| Return on Equity (ROE) | 10.6689% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.6689% | 484 |
| Net charge-offs to loans | 0.0288% | 2,902 |
| Credit loss provision to net charge-offs | 428.5714% | 740 |
| Earnings coverage of net charge-offs (x) | 109.6286% | 527 |
| Efficiency ratio | 54.9701% | 5,241 |
| Assets per employee ($millions) | 4.5050% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2241% | 526 |
| Loan loss allowance to noncurrent loans | 267.7374% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 1,556 |
| Noncurrent loans to loans | 0.8307% | 2,666 |
| Net loans and leases to total assets | 54.2262% | 4,488 |
| Net loans and leases to deposits | 63.8902% | 4,497 |
| Net loans and leases to core deposits | 69.4290% | 4,373 |
| Total domestic deposits to total assets | 84.8740% | 2,930 |
| Equity capital to assets | 12.7859% | 1,616 |
| Core capital (leverage) ratio | 12.4655% | 1,372 |
| Tier 1 risk-based capital ratio | 20.7325% | 1,303 |
| Total risk-based capital ratio | 21.9924% | 1,283 |
| Memoranda: |
| Average total assets | $454,409,670 | 1,508 |
| Average earning assets | $410,203,330 | 1,532 |
| Average equity | $57,006,670 | 1,358 |
| Average total loans | $242,822,330 | 1,841 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8157% | 3,893 |
| Cost of funding earning assets | 0.4831% | 2,246 |
| Net interest margin | 3.3325% | 4,101 |
| Noninterest income to average assets | 0.6914% | 2,079 |
| Noninterest expense to average assets | 2.0484% | 5,224 |
| Loan and lease loss provision to assets | 0.0664% | 2,635 |
| Net operating income to assets | 1.2432% | 1,422 |
| Return on assets (ROA) | 1.3438% | 1,219 |
| Pretax return on assets | 1.6819% | 1,113 |
| Return on Equity (ROE) | 10.8170% | 1,673 |
| Retained earnings to average equity (ytd only) | 10.8170% | 688 |
| Net charge-offs to loans | 0.2905% | 732 |
| Credit loss provision to net charge-offs | 43.6047% | 2,113 |
| Earnings coverage of net charge-offs (x) | 10.6570% | 1,909 |
| Efficiency ratio | 55.7994% | 5,208 |
| Assets per employee ($millions) | 4.8203% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2850% | 521 |
| Loan loss allowance to noncurrent loans | 255.6701% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3160% | 1,631 |
| Noncurrent loans to loans | 0.8937% | 2,608 |
| Net loans and leases to total assets | 50.4206% | 4,767 |
| Net loans and leases to deposits | 59.0929% | 4,774 |
| Net loans and leases to core deposits | 63.8004% | 4,700 |
| Total domestic deposits to total assets | 85.3244% | 2,992 |
| Equity capital to assets | 12.3290% | 1,802 |
| Core capital (leverage) ratio | 12.4279% | 1,367 |
| Tier 1 risk-based capital ratio | 20.8266% | 1,341 |
| Total risk-based capital ratio | 22.0862% | 1,314 |
| Memoranda: |
| Average total assets | $451,861,000 | 1,517 |
| Average earning assets | $404,018,500 | 1,551 |
| Average equity | $56,134,000 | 1,374 |
| Average total loans | $236,813,000 | 1,873 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0694% | 3,034 |
| Cost of funding earning assets | 0.5301% | 1,925 |
| Net interest margin | 3.5392% | 3,379 |
| Noninterest income to average assets | 0.7734% | 1,884 |
| Noninterest expense to average assets | 2.1774% | 5,099 |
| Loan and lease loss provision to assets | 0.1492% | 1,578 |
| Net operating income to assets | 1.2164% | 1,494 |
| Return on assets (ROA) | 1.2527% | 1,435 |
| Pretax return on assets | 1.6379% | 1,143 |
| Return on Equity (ROE) | 9.8214% | 2,075 |
| Retained earnings to average equity (ytd only) | 3.1334% | 3,824 |
| Net charge-offs to loans | 0.1598% | 1,775 |
| Credit loss provision to net charge-offs | 178.0822% | 1,525 |
| Earnings coverage of net charge-offs (x) | 20.7589% | 1,857 |
| Efficiency ratio | 55.5914% | 5,389 |
| Assets per employee ($millions) | 4.6912% | 2,737 |
| Cash dividends to net income (ytd only)* | 68.0960% | 1,343 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3645% | 476 |
| Loan loss allowance to noncurrent loans | 209.5472% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7498% | 1,090 |
| Noncurrent loans to loans | 1.1284% | 2,083 |
| Net loans and leases to total assets | 51.9978% | 4,694 |
| Net loans and leases to deposits | 61.0977% | 4,696 |
| Net loans and leases to core deposits | 66.1963% | 4,576 |
| Total domestic deposits to total assets | 85.1060% | 3,039 |
| Equity capital to assets | 12.5213% | 1,613 |
| Core capital (leverage) ratio | 12.3875% | 1,405 |
| Tier 1 risk-based capital ratio | 20.5127% | 1,382 |
| Total risk-based capital ratio | 21.7732% | 1,351 |
| Memoranda: |
| Average total assets | $435,619,000 | 1,528 |
| Average earning assets | $386,891,800 | 1,580 |
| Average equity | $55,562,200 | 1,346 |
| Average total loans | $228,361,600 | 1,873 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0988% | 2,942 |
| Cost of funding earning assets | 0.5383% | 1,902 |
| Net interest margin | 3.5604% | 3,299 |
| Noninterest income to average assets | 0.7829% | 1,869 |
| Noninterest expense to average assets | 2.1761% | 5,114 |
| Loan and lease loss provision to assets | 0.1762% | 1,200 |
| Net operating income to assets | 1.2376% | 1,534 |
| Return on assets (ROA) | 1.2618% | 1,508 |
| Pretax return on assets | 1.6232% | 1,321 |
| Return on Equity (ROE) | 9.8472% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.8472% | 660 |
| Net charge-offs to loans | 0.1270% | 1,860 |
| Credit loss provision to net charge-offs | 265.7407% | 1,089 |
| Earnings coverage of net charge-offs (x) | 26.6669% | 1,606 |
| Efficiency ratio | 55.1681% | 5,434 |
| Assets per employee ($millions) | 4.6588% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4506% | 464 |
| Loan loss allowance to noncurrent loans | 174.5037% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.8848% | 1,110 |
| Noncurrent loans to loans | 1.4043% | 1,810 |
| Net loans and leases to total assets | 51.1396% | 4,839 |
| Net loans and leases to deposits | 60.6022% | 4,810 |
| Net loans and leases to core deposits | 65.5961% | 4,720 |
| Total domestic deposits to total assets | 84.3856% | 3,268 |
| Equity capital to assets | 13.1866% | 1,360 |
| Core capital (leverage) ratio | 13.0282% | 1,194 |
| Tier 1 risk-based capital ratio | 21.8408% | 1,220 |
| Total risk-based capital ratio | 23.1020% | 1,197 |
| Memoranda: |
| Average total assets | $434,281,500 | 1,542 |
| Average earning assets | $385,634,500 | 1,594 |
| Average equity | $55,649,000 | 1,352 |
| Average total loans | $226,740,250 | 1,892 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0704% | 3,005 |
| Cost of funding earning assets | 0.5486% | 1,832 |
| Net interest margin | 3.5218% | 3,409 |
| Noninterest income to average assets | 0.7906% | 1,816 |
| Noninterest expense to average assets | 2.1909% | 5,140 |
| Loan and lease loss provision to assets | 0.2060% | 949 |
| Net operating income to assets | 1.1676% | 1,709 |
| Return on assets (ROA) | 1.2035% | 1,669 |
| Pretax return on assets | 1.5591% | 1,458 |
| Return on Equity (ROE) | 9.4851% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.4851% | 783 |
| Net charge-offs to loans | 0.2046% | 1,233 |
| Credit loss provision to net charge-offs | 193.0736% | 1,273 |
| Earnings coverage of net charge-offs (x) | 16.1082% | 1,929 |
| Efficiency ratio | 56.0425% | 5,427 |
| Assets per employee ($millions) | 4.4750% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4421% | 516 |
| Loan loss allowance to noncurrent loans | 165.3498% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8967% | 1,191 |
| Noncurrent loans to loans | 1.4769% | 1,796 |
| Net loans and leases to total assets | 50.4616% | 4,889 |
| Net loans and leases to deposits | 59.7084% | 4,874 |
| Net loans and leases to core deposits | 64.6627% | 4,761 |
| Total domestic deposits to total assets | 84.5133% | 3,339 |
| Equity capital to assets | 12.8830% | 1,456 |
| Core capital (leverage) ratio | 12.7206% | 1,288 |
| Tier 1 risk-based capital ratio | 21.6921% | 1,247 |
| Total risk-based capital ratio | 22.9531% | 1,232 |
| Memoranda: |
| Average total assets | $433,065,670 | 1,556 |
| Average earning assets | $383,502,000 | 1,611 |
| Average equity | $54,949,330 | 1,375 |
| Average total loans | $225,793,330 | 1,910 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1042% | 2,813 |
| Cost of funding earning assets | 0.5502% | 1,841 |
| Net interest margin | 3.5539% | 3,212 |
| Noninterest income to average assets | 0.6399% | 2,450 |
| Noninterest expense to average assets | 2.2314% | 5,069 |
| Loan and lease loss provision to assets | 0.2053% | 885 |
| Net operating income to assets | 0.9966% | 2,284 |
| Return on assets (ROA) | 0.9959% | 2,416 |
| Pretax return on assets | 1.3381% | 2,125 |
| Return on Equity (ROE) | 7.9100% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.9100% | 1,602 |
| Net charge-offs to loans | 0.1661% | 1,280 |
| Credit loss provision to net charge-offs | 236.1702% | 949 |
| Earnings coverage of net charge-offs (x) | 17.7660% | 1,511 |
| Efficiency ratio | 59.0987% | 5,212 |
| Assets per employee ($millions) | 4.8145% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3892% | 626 |
| Loan loss allowance to noncurrent loans | 148.4457% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 2.0978% | 1,104 |
| Noncurrent loans to loans | 1.6095% | 1,733 |
| Net loans and leases to total assets | 50.3176% | 4,812 |
| Net loans and leases to deposits | 59.3671% | 4,794 |
| Net loans and leases to core deposits | 64.3771% | 4,663 |
| Total domestic deposits to total assets | 84.7567% | 3,527 |
| Equity capital to assets | 12.5767% | 1,647 |
| Core capital (leverage) ratio | 12.4294% | 1,391 |
| Tier 1 risk-based capital ratio | 21.0278% | 1,420 |
| Total risk-based capital ratio | 22.2884% | 1,395 |
| Memoranda: |
| Average total assets | $432,561,000 | 1,569 |
| Average earning assets | $381,660,500 | 1,625 |
| Average equity | $54,463,000 | 1,398 |
| Average total loans | $226,428,000 | 1,902 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2928% | 2,631 |
| Cost of funding earning assets | 0.5912% | 1,845 |
| Net interest margin | 3.7015% | 3,003 |
| Noninterest income to average assets | 0.6612% | 2,499 |
| Noninterest expense to average assets | 2.1345% | 5,497 |
| Loan and lease loss provision to assets | 0.2102% | 1,190 |
| Net operating income to assets | 1.2672% | 1,380 |
| Return on assets (ROA) | 1.2675% | 1,433 |
| Pretax return on assets | 1.6391% | 1,125 |
| Return on Equity (ROE) | 10.2046% | 2,024 |
| Retained earnings to average equity (ytd only) | 1.5832% | 5,037 |
| Net charge-offs to loans | 0.2064% | 2,016 |
| Credit loss provision to net charge-offs | 191.8977% | 1,287 |
| Earnings coverage of net charge-offs (x) | 16.8785% | 1,974 |
| Efficiency ratio | 53.5855% | 5,877 |
| Assets per employee ($millions) | 4.6413% | 2,810 |
| Cash dividends to net income (ytd only)* | 84.4850% | 748 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3206% | 703 |
| Loan loss allowance to noncurrent loans | 128.0817% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 2.2620% | 1,068 |
| Noncurrent loans to loans | 1.8118% | 1,583 |
| Net loans and leases to total assets | 51.9296% | 4,795 |
| Net loans and leases to deposits | 61.2558% | 4,788 |
| Net loans and leases to core deposits | 66.7490% | 4,617 |
| Total domestic deposits to total assets | 84.7750% | 3,378 |
| Equity capital to assets | 12.6053% | 1,583 |
| Core capital (leverage) ratio | 12.2929% | 1,454 |
| Tier 1 risk-based capital ratio | 21.5727% | 1,296 |
| Total risk-based capital ratio | 22.8343% | 1,272 |
| Memoranda: |
| Average total assets | $428,152,600 | 1,553 |
| Average earning assets | $384,272,600 | 1,582 |
| Average equity | $53,181,800 | 1,376 |
| Average total loans | $227,193,000 | 1,846 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2762% | 2,724 |
| Cost of funding earning assets | 0.5940% | 1,893 |
| Net interest margin | 3.6822% | 3,097 |
| Noninterest income to average assets | 0.6691% | 2,477 |
| Noninterest expense to average assets | 2.1015% | 5,568 |
| Loan and lease loss provision to assets | 0.2101% | 1,104 |
| Net operating income to assets | 1.3563% | 1,238 |
| Return on assets (ROA) | 1.3568% | 1,282 |
| Pretax return on assets | 1.6764% | 1,121 |
| Return on Equity (ROE) | 10.9639% | 1,801 |
| Retained earnings to average equity (ytd only) | 8.7762% | 1,069 |
| Net charge-offs to loans | 0.1684% | 2,113 |
| Credit loss provision to net charge-offs | 235.1916% | 1,112 |
| Earnings coverage of net charge-offs (x) | 21.1148% | 1,695 |
| Efficiency ratio | 52.7043% | 5,946 |
| Assets per employee ($millions) | 4.9003% | 2,377 |
| Cash dividends to net income (ytd only)* | 19.9541% | 3,213 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2586% | 870 |
| Loan loss allowance to noncurrent loans | 107.8431% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 2.4917% | 1,065 |
| Noncurrent loans to loans | 2.0943% | 1,494 |
| Net loans and leases to total assets | 53.0377% | 4,692 |
| Net loans and leases to deposits | 62.9649% | 4,647 |
| Net loans and leases to core deposits | 68.8537% | 4,426 |
| Total domestic deposits to total assets | 84.2338% | 3,670 |
| Equity capital to assets | 13.1546% | 1,348 |
| Core capital (leverage) ratio | 12.9156% | 1,219 |
| Tier 1 risk-based capital ratio | 22.2643% | 1,225 |
| Total risk-based capital ratio | 23.5249% | 1,211 |
| Memoranda: |
| Average total assets | $428,440,000 | 1,560 |
| Average earning assets | $386,098,750 | 1,586 |
| Average equity | $53,021,000 | 1,386 |
| Average total loans | $227,239,000 | 1,854 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2483% | 2,773 |
| Cost of funding earning assets | 0.5973% | 1,919 |
| Net interest margin | 3.6510% | 3,140 |
| Noninterest income to average assets | 0.6417% | 2,594 |
| Noninterest expense to average assets | 2.1219% | 5,583 |
| Loan and lease loss provision to assets | 0.2097% | 1,134 |
| Net operating income to assets | 1.2909% | 1,337 |
| Return on assets (ROA) | 1.2928% | 1,383 |
| Pretax return on assets | 1.5943% | 1,262 |
| Return on Equity (ROE) | 10.6691% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.6691% | 586 |
| Net charge-offs to loans | 0.1293% | 2,373 |
| Credit loss provision to net charge-offs | 308.2192% | 837 |
| Earnings coverage of net charge-offs (x) | 26.4795% | 1,369 |
| Efficiency ratio | 54.0801% | 5,903 |
| Assets per employee ($millions) | 4.6390% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2309% | 982 |
| Loan loss allowance to noncurrent loans | 98.7325% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 2.5701% | 1,075 |
| Noncurrent loans to loans | 2.2596% | 1,445 |
| Net loans and leases to total assets | 52.7899% | 4,663 |
| Net loans and leases to deposits | 62.7586% | 4,616 |
| Net loans and leases to core deposits | 68.8433% | 4,385 |
| Total domestic deposits to total assets | 84.1158% | 3,885 |
| Equity capital to assets | 12.7969% | 1,493 |
| Core capital (leverage) ratio | 12.6524% | 1,307 |
| Tier 1 risk-based capital ratio | 21.9358% | 1,266 |
| Total risk-based capital ratio | 23.1958% | 1,245 |
| Memoranda: |
| Average total assets | $429,143,670 | 1,562 |
| Average earning assets | $385,754,670 | 1,591 |
| Average equity | $52,000,670 | 1,399 |
| Average total loans | $225,872,000 | 1,857 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2730% | 2,623 |
| Cost of funding earning assets | 0.6058% | 1,927 |
| Net interest margin | 3.6672% | 3,000 |
| Noninterest income to average assets | 0.5903% | 2,793 |
| Noninterest expense to average assets | 2.0766% | 5,723 |
| Loan and lease loss provision to assets | 0.2091% | 1,100 |
| Net operating income to assets | 1.2781% | 1,271 |
| Return on assets (ROA) | 1.2781% | 1,321 |
| Pretax return on assets | 1.5681% | 1,242 |
| Return on Equity (ROE) | 10.8496% | 1,736 |
| Retained earnings to average equity (ytd only) | 10.8496% | 770 |
| Net charge-offs to loans | 0.1449% | 1,856 |
| Credit loss provision to net charge-offs | 277.7778% | 833 |
| Earnings coverage of net charge-offs (x) | 23.6049% | 1,212 |
| Efficiency ratio | 53.8833% | 6,019 |
| Assets per employee ($millions) | 4.7170% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2219% | 1,125 |
| Loan loss allowance to noncurrent loans | 123.2921% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 2.2557% | 1,462 |
| Noncurrent loans to loans | 1.8021% | 2,135 |
| Net loans and leases to total assets | 50.5114% | 4,848 |
| Net loans and leases to deposits | 59.2860% | 4,824 |
| Net loans and leases to core deposits | 64.7960% | 4,613 |
| Total domestic deposits to total assets | 85.1997% | 3,780 |
| Equity capital to assets | 11.9674% | 1,890 |
| Core capital (leverage) ratio | 12.3124% | 1,471 |
| Tier 1 risk-based capital ratio | 21.5426% | 1,365 |
| Total risk-based capital ratio | 22.8023% | 1,341 |
| Memoranda: |
| Average total assets | $430,320,500 | 1,562 |
| Average earning assets | $382,964,500 | 1,606 |
| Average equity | $50,693,000 | 1,428 |
| Average total loans | $223,586,500 | 1,875 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4084% | 2,557 |
| Cost of funding earning assets | 0.6740% | 2,008 |
| Net interest margin | 3.7344% | 2,924 |
| Noninterest income to average assets | 0.6119% | 3,016 |
| Noninterest expense to average assets | 2.1105% | 5,808 |
| Loan and lease loss provision to assets | 0.2109% | 1,746 |
| Net operating income to assets | 1.2636% | 1,353 |
| Return on assets (ROA) | 1.2780% | 1,360 |
| Pretax return on assets | 1.6439% | 1,064 |
| Return on Equity (ROE) | 10.4608% | 1,932 |
| Retained earnings to average equity (ytd only) | 3.3053% | 3,882 |
| Net charge-offs to loans | 0.2944% | 2,215 |
| Credit loss provision to net charge-offs | 138.4615% | 1,682 |
| Earnings coverage of net charge-offs (x) | 12.0538% | 2,173 |
| Efficiency ratio | 53.4739% | 6,179 |
| Assets per employee ($millions) | 4.5879% | 2,741 |
| Cash dividends to net income (ytd only)* | 68.4027% | 1,378 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1691% | 1,219 |
| Loan loss allowance to noncurrent loans | 148.4653% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2635% | 1,569 |
| Noncurrent loans to loans | 1.4610% | 2,702 |
| Net loans and leases to total assets | 51.1285% | 4,959 |
| Net loans and leases to deposits | 59.7299% | 4,958 |
| Net loans and leases to core deposits | 66.6296% | 4,642 |
| Total domestic deposits to total assets | 85.5994% | 3,458 |
| Equity capital to assets | 11.5900% | 2,106 |
| Core capital (leverage) ratio | 12.1067% | 1,531 |
| Tier 1 risk-based capital ratio | 20.9254% | 1,434 |
| Total risk-based capital ratio | 22.1842% | 1,413 |
| Memoranda: |
| Average total assets | $426,669,200 | 1,550 |
| Average earning assets | $381,024,400 | 1,592 |
| Average equity | $52,128,000 | 1,361 |
| Average total loans | $220,783,000 | 1,852 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4122% | 2,556 |
| Cost of funding earning assets | 0.6878% | 2,033 |
| Net interest margin | 3.7244% | 2,939 |
| Noninterest income to average assets | 0.5956% | 3,177 |
| Noninterest expense to average assets | 2.0396% | 5,945 |
| Loan and lease loss provision to assets | 0.2109% | 1,727 |
| Net operating income to assets | 1.3565% | 1,213 |
| Return on assets (ROA) | 1.3765% | 1,202 |
| Pretax return on assets | 1.7015% | 1,096 |
| Return on Equity (ROE) | 11.1241% | 1,781 |
| Retained earnings to average equity (ytd only) | 11.1241% | 557 |
| Net charge-offs to loans | 0.2186% | 2,516 |
| Credit loss provision to net charge-offs | 186.9806% | 1,292 |
| Earnings coverage of net charge-offs (x) | 16.7341% | 1,780 |
| Efficiency ratio | 51.9335% | 6,260 |
| Assets per employee ($millions) | 4.8383% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2189% | 1,298 |
| Loan loss allowance to noncurrent loans | 124.7074% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 2.7785% | 1,351 |
| Noncurrent loans to loans | 1.7793% | 2,526 |
| Net loans and leases to total assets | 50.7255% | 5,044 |
| Net loans and leases to deposits | 59.7675% | 5,000 |
| Net loans and leases to core deposits | 66.5749% | 4,660 |
| Total domestic deposits to total assets | 84.8713% | 3,805 |
| Equity capital to assets | 12.3600% | 1,666 |
| Core capital (leverage) ratio | 12.7891% | 1,289 |
| Tier 1 risk-based capital ratio | 22.1285% | 1,299 |
| Total risk-based capital ratio | 23.3880% | 1,277 |
| Memoranda: |
| Average total assets | $426,667,000 | 1,559 |
| Average earning assets | $381,686,500 | 1,591 |
| Average equity | $52,797,000 | 1,356 |
| Average total loans | $220,231,000 | 1,860 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3876% | 2,616 |
| Cost of funding earning assets | 0.7106% | 1,999 |
| Net interest margin | 3.6770% | 3,049 |
| Noninterest income to average assets | 0.5977% | 3,210 |
| Noninterest expense to average assets | 2.0568% | 5,951 |
| Loan and lease loss provision to assets | 0.2108% | 1,800 |
| Net operating income to assets | 1.3237% | 1,259 |
| Return on assets (ROA) | 1.3280% | 1,329 |
| Pretax return on assets | 1.6221% | 1,302 |
| Return on Equity (ROE) | 10.7276% | 1,919 |
| Retained earnings to average equity (ytd only) | 10.7276% | 700 |
| Net charge-offs to loans | 0.2418% | 2,271 |
| Credit loss provision to net charge-offs | 169.1729% | 1,393 |
| Earnings coverage of net charge-offs (x) | 14.6692% | 1,807 |
| Efficiency ratio | 52.9483% | 6,224 |
| Assets per employee ($millions) | 4.8078% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1641% | 1,497 |
| Loan loss allowance to noncurrent loans | 114.6875% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 2.7791% | 1,494 |
| Noncurrent loans to loans | 1.8870% | 2,516 |
| Net loans and leases to total assets | 50.9798% | 5,003 |
| Net loans and leases to deposits | 59.1478% | 5,055 |
| Net loans and leases to core deposits | 65.7367% | 4,717 |
| Total domestic deposits to total assets | 86.1906% | 3,269 |
| Equity capital to assets | 12.2279% | 1,757 |
| Core capital (leverage) ratio | 12.2995% | 1,454 |
| Tier 1 risk-based capital ratio | 21.6043% | 1,367 |
| Total risk-based capital ratio | 22.8630% | 1,334 |
| Memoranda: |
| Average total assets | $426,966,670 | 1,560 |
| Average earning assets | $381,669,330 | 1,592 |
| Average equity | $52,854,330 | 1,360 |
| Average total loans | $220,016,670 | 1,858 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3580% | 2,664 |
| Cost of funding earning assets | 0.7340% | 1,968 |
| Net interest margin | 3.6240% | 3,169 |
| Noninterest income to average assets | 0.5316% | 3,558 |
| Noninterest expense to average assets | 1.8876% | 6,290 |
| Loan and lease loss provision to assets | 0.2098% | 1,766 |
| Net operating income to assets | 1.3936% | 1,042 |
| Return on assets (ROA) | 1.3952% | 1,124 |
| Pretax return on assets | 1.6638% | 1,161 |
| Return on Equity (ROE) | 11.2031% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.2031% | 829 |
| Net charge-offs to loans | 0.0855% | 2,982 |
| Credit loss provision to net charge-offs | 478.7234% | 548 |
| Earnings coverage of net charge-offs (x) | 42.7021% | 745 |
| Efficiency ratio | 50.2109% | 6,489 |
| Assets per employee ($millions) | 4.9306% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1417% | 1,705 |
| Loan loss allowance to noncurrent loans | 97.6835% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 2.4700% | 1,866 |
| Noncurrent loans to loans | 2.1925% | 2,398 |
| Net loans and leases to total assets | 50.1780% | 4,970 |
| Net loans and leases to deposits | 58.6296% | 4,955 |
| Net loans and leases to core deposits | 64.9678% | 4,654 |
| Total domestic deposits to total assets | 85.5848% | 3,750 |
| Equity capital to assets | 12.4198% | 1,760 |
| Core capital (leverage) ratio | 12.0416% | 1,540 |
| Tier 1 risk-based capital ratio | 21.2230% | 1,484 |
| Total risk-based capital ratio | 22.4819% | 1,458 |
| Memoranda: |
| Average total assets | $428,905,500 | 1,571 |
| Average earning assets | $382,010,000 | 1,602 |
| Average equity | $53,414,000 | 1,359 |
| Average total loans | $219,794,500 | 1,871 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7233% | 2,500 |
| Cost of funding earning assets | 0.9215% | 1,809 |
| Net interest margin | 3.8018% | 3,216 |
| Noninterest income to average assets | 0.5354% | 3,677 |
| Noninterest expense to average assets | 2.2258% | 5,866 |
| Loan and lease loss provision to assets | 0.2718% | 2,475 |
| Net operating income to assets | 1.1166% | 1,885 |
| Return on assets (ROA) | 1.1300% | 2,008 |
| Pretax return on assets | 1.4213% | 1,962 |
| Return on Equity (ROE) | 8.6796% | 2,800 |
| Retained earnings to average equity (ytd only) | 1.7575% | 4,978 |
| Net charge-offs to loans | 0.4201% | 2,560 |
| Credit loss provision to net charge-offs | 124.0353% | 2,292 |
| Earnings coverage of net charge-offs (x) | 7.6505% | 2,557 |
| Efficiency ratio | 57.0394% | 5,950 |
| Assets per employee ($millions) | 4.6584% | 2,694 |
| Cash dividends to net income (ytd only)* | 79.7520% | 1,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1128% | 1,736 |
| Loan loss allowance to noncurrent loans | 98.0338% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 2.4988% | 1,953 |
| Noncurrent loans to loans | 2.1552% | 2,520 |
| Net loans and leases to total assets | 50.1319% | 5,151 |
| Net loans and leases to deposits | 59.1791% | 5,111 |
| Net loans and leases to core deposits | 65.8984% | 4,746 |
| Total domestic deposits to total assets | 84.7121% | 3,983 |
| Equity capital to assets | 12.4881% | 1,722 |
| Core capital (leverage) ratio | 12.0126% | 1,556 |
| Tier 1 risk-based capital ratio | 21.0769% | 1,440 |
| Total risk-based capital ratio | 22.3352% | 1,413 |
| Memoranda: |
| Average total assets | $413,910,200 | 1,584 |
| Average earning assets | $366,565,800 | 1,633 |
| Average equity | $53,884,800 | 1,321 |
| Average total loans | $215,889,000 | 1,875 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8227% | 2,303 |
| Cost of funding earning assets | 0.9583% | 1,798 |
| Net interest margin | 3.8644% | 3,055 |
| Noninterest income to average assets | 0.5633% | 3,519 |
| Noninterest expense to average assets | 2.1762% | 6,000 |
| Loan and lease loss provision to assets | 0.3160% | 2,093 |
| Net operating income to assets | 1.2255% | 1,650 |
| Return on assets (ROA) | 1.2260% | 1,822 |
| Pretax return on assets | 1.4995% | 1,877 |
| Return on Equity (ROE) | 9.3196% | 2,668 |
| Retained earnings to average equity (ytd only) | 9.3196% | 1,121 |
| Net charge-offs to loans | 0.3977% | 2,503 |
| Credit loss provision to net charge-offs | 151.6330% | 1,858 |
| Earnings coverage of net charge-offs (x) | 8.7092% | 2,409 |
| Efficiency ratio | 54.5270% | 6,199 |
| Assets per employee ($millions) | 4.6862% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2179% | 1,675 |
| Loan loss allowance to noncurrent loans | 124.4968% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 2.5193% | 2,099 |
| Noncurrent loans to loans | 1.7815% | 3,105 |
| Net loans and leases to total assets | 50.2570% | 5,280 |
| Net loans and leases to deposits | 60.1686% | 5,188 |
| Net loans and leases to core deposits | 66.2729% | 4,925 |
| Total domestic deposits to total assets | 83.5270% | 4,423 |
| Equity capital to assets | 13.6916% | 1,273 |
| Core capital (leverage) ratio | 12.8131% | 1,273 |
| Tier 1 risk-based capital ratio | 22.8924% | 1,184 |
| Total risk-based capital ratio | 24.1521% | 1,160 |
| Memoranda: |
| Average total assets | $411,408,750 | 1,605 |
| Average earning assets | $364,929,500 | 1,658 |
| Average equity | $54,121,250 | 1,328 |
| Average total loans | $215,585,250 | 1,892 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9041% | 2,094 |
| Cost of funding earning assets | 1.0009% | 1,754 |
| Net interest margin | 3.9032% | 2,889 |
| Noninterest income to average assets | 0.5439% | 3,624 |
| Noninterest expense to average assets | 2.1363% | 6,168 |
| Loan and lease loss provision to assets | 0.3649% | 1,807 |
| Net operating income to assets | 1.2398% | 1,584 |
| Return on assets (ROA) | 1.2406% | 1,764 |
| Pretax return on assets | 1.5024% | 1,840 |
| Return on Equity (ROE) | 9.5611% | 2,549 |
| Retained earnings to average equity (ytd only) | 9.5611% | 1,101 |
| Net charge-offs to loans | 0.3561% | 2,593 |
| Credit loss provision to net charge-offs | 194.3005% | 1,457 |
| Earnings coverage of net charge-offs (x) | 9.9378% | 2,116 |
| Efficiency ratio | 53.3730% | 6,380 |
| Assets per employee ($millions) | 4.4116% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2065% | 1,749 |
| Loan loss allowance to noncurrent loans | 104.4812% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 2.6904% | 2,053 |
| Noncurrent loans to loans | 2.1119% | 2,811 |
| Net loans and leases to total assets | 51.1280% | 5,204 |
| Net loans and leases to deposits | 60.9829% | 5,136 |
| Net loans and leases to core deposits | 67.1417% | 4,883 |
| Total domestic deposits to total assets | 83.8399% | 4,384 |
| Equity capital to assets | 13.3983% | 1,341 |
| Core capital (leverage) ratio | 12.4506% | 1,376 |
| Tier 1 risk-based capital ratio | 22.1436% | 1,262 |
| Total risk-based capital ratio | 23.4035% | 1,243 |
| Memoranda: |
| Average total assets | $411,083,670 | 1,611 |
| Average earning assets | $364,263,670 | 1,661 |
| Average equity | $53,341,000 | 1,336 |
| Average total loans | $216,796,000 | 1,884 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8867% | 2,299 |
| Cost of funding earning assets | 1.0425% | 1,727 |
| Net interest margin | 3.8442% | 3,161 |
| Noninterest income to average assets | 0.4909% | 3,973 |
| Noninterest expense to average assets | 2.1434% | 6,167 |
| Loan and lease loss provision to assets | 0.3645% | 1,731 |
| Net operating income to assets | 1.1169% | 2,002 |
| Return on assets (ROA) | 1.1169% | 2,187 |
| Pretax return on assets | 1.3774% | 2,257 |
| Return on Equity (ROE) | 8.7499% | 2,932 |
| Retained earnings to average equity (ytd only) | 8.7499% | 1,684 |
| Net charge-offs to loans | 0.5561% | 1,694 |
| Credit loss provision to net charge-offs | 123.7624% | 1,928 |
| Earnings coverage of net charge-offs (x) | 5.9142% | 2,282 |
| Efficiency ratio | 55.1664% | 6,208 |
| Assets per employee ($millions) | 4.7843% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0460% | 2,225 |
| Loan loss allowance to noncurrent loans | 90.9482% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 2.8518% | 2,049 |
| Noncurrent loans to loans | 2.2496% | 2,861 |
| Net loans and leases to total assets | 51.0808% | 5,139 |
| Net loans and leases to deposits | 60.8135% | 5,064 |
| Net loans and leases to core deposits | 66.6134% | 4,842 |
| Total domestic deposits to total assets | 83.9958% | 4,491 |
| Equity capital to assets | 12.7447% | 1,575 |
| Core capital (leverage) ratio | 12.1633% | 1,497 |
| Tier 1 risk-based capital ratio | 21.1780% | 1,454 |
| Total risk-based capital ratio | 22.4362% | 1,425 |
| Memoranda: |
| Average total assets | $411,487,500 | 1,614 |
| Average earning assets | $363,350,000 | 1,671 |
| Average equity | $52,526,500 | 1,347 |
| Average total loans | $217,944,500 | 1,873 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3131% | 1,662 |
| Cost of funding earning assets | 1.1848% | 2,134 |
| Net interest margin | 4.1283% | 2,315 |
| Noninterest income to average assets | 0.7770% | 2,184 |
| Noninterest expense to average assets | 2.1181% | 6,456 |
| Loan and lease loss provision to assets | 0.5922% | 1,751 |
| Net operating income to assets | 1.3385% | 1,161 |
| Return on assets (ROA) | 1.3396% | 1,242 |
| Pretax return on assets | 1.6859% | 1,020 |
| Return on Equity (ROE) | 10.3866% | 1,926 |
| Retained earnings to average equity (ytd only) | 0.2859% | 5,699 |
| Net charge-offs to loans | 0.8697% | 1,994 |
| Credit loss provision to net charge-offs | 125.9086% | 2,480 |
| Earnings coverage of net charge-offs (x) | 4.8406% | 2,962 |
| Efficiency ratio | 48.1969% | 6,938 |
| Assets per employee ($millions) | 4.6220% | 2,726 |
| Cash dividends to net income (ytd only)* | 97.2475% | 390 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9965% | 2,295 |
| Loan loss allowance to noncurrent loans | 114.3717% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 3.0823% | 1,944 |
| Noncurrent loans to loans | 1.7456% | 3,537 |
| Net loans and leases to total assets | 52.7273% | 5,197 |
| Net loans and leases to deposits | 63.3187% | 5,088 |
| Net loans and leases to core deposits | 69.5859% | 4,837 |
| Total domestic deposits to total assets | 83.2729% | 4,634 |
| Equity capital to assets | 12.7858% | 1,610 |
| Core capital (leverage) ratio | 11.9539% | 1,619 |
| Tier 1 risk-based capital ratio | 20.5777% | 1,502 |
| Total risk-based capital ratio | 21.8349% | 1,470 |
| Memoranda: |
| Average total assets | $409,519,400 | 1,582 |
| Average earning assets | $358,865,000 | 1,651 |
| Average equity | $52,818,200 | 1,287 |
| Average total loans | $221,459,000 | 1,863 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3203% | 1,789 |
| Cost of funding earning assets | 1.2193% | 2,200 |
| Net interest margin | 4.1011% | 2,471 |
| Noninterest income to average assets | 0.8613% | 1,791 |
| Noninterest expense to average assets | 2.0386% | 6,614 |
| Loan and lease loss provision to assets | 0.3657% | 2,664 |
| Net operating income to assets | 1.5987% | 777 |
| Return on assets (ROA) | 1.5994% | 845 |
| Pretax return on assets | 2.0395% | 580 |
| Return on Equity (ROE) | 12.3745% | 1,445 |
| Retained earnings to average equity (ytd only) | 12.3745% | 458 |
| Net charge-offs to loans | 0.3674% | 3,255 |
| Credit loss provision to net charge-offs | 183.8235% | 1,608 |
| Earnings coverage of net charge-offs (x) | 12.0866% | 1,740 |
| Efficiency ratio | 45.8848% | 7,067 |
| Assets per employee ($millions) | 4.7733% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9488% | 2,478 |
| Loan loss allowance to noncurrent loans | 91.6754% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 3.3712% | 1,880 |
| Noncurrent loans to loans | 2.1258% | 3,209 |
| Net loans and leases to total assets | 53.1025% | 5,303 |
| Net loans and leases to deposits | 64.4613% | 5,109 |
| Net loans and leases to core deposits | 71.3277% | 4,802 |
| Total domestic deposits to total assets | 82.3789% | 4,937 |
| Equity capital to assets | 13.6934% | 1,287 |
| Core capital (leverage) ratio | 13.0659% | 1,205 |
| Tier 1 risk-based capital ratio | 22.1060% | 1,267 |
| Total risk-based capital ratio | 23.3627% | 1,244 |
| Memoranda: |
| Average total assets | $410,214,250 | 1,591 |
| Average earning assets | $358,240,250 | 1,656 |
| Average equity | $53,021,500 | 1,286 |
| Average total loans | $222,115,750 | 1,873 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3170% | 1,832 |
| Cost of funding earning assets | 1.2449% | 2,288 |
| Net interest margin | 4.0721% | 2,522 |
| Noninterest income to average assets | 0.5816% | 3,252 |
| Noninterest expense to average assets | 2.0831% | 6,630 |
| Loan and lease loss provision to assets | 0.3672% | 2,596 |
| Net operating income to assets | 1.3483% | 1,196 |
| Return on assets (ROA) | 1.3483% | 1,272 |
| Pretax return on assets | 1.6929% | 1,072 |
| Return on Equity (ROE) | 10.6455% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.6455% | 729 |
| Net charge-offs to loans | 0.3581% | 3,124 |
| Credit loss provision to net charge-offs | 189.3939% | 1,598 |
| Earnings coverage of net charge-offs (x) | 10.6263% | 1,787 |
| Efficiency ratio | 50.2777% | 6,920 |
| Assets per employee ($millions) | 4.4625% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8996% | 2,670 |
| Loan loss allowance to noncurrent loans | 124.7858% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 3.0600% | 2,197 |
| Noncurrent loans to loans | 1.5223% | 4,140 |
| Net loans and leases to total assets | 53.1326% | 5,410 |
| Net loans and leases to deposits | 64.0067% | 5,272 |
| Net loans and leases to core deposits | 70.4444% | 5,018 |
| Total domestic deposits to total assets | 83.0111% | 4,749 |
| Equity capital to assets | 13.1071% | 1,466 |
| Core capital (leverage) ratio | 12.5521% | 1,333 |
| Tier 1 risk-based capital ratio | 21.3711% | 1,351 |
| Total risk-based capital ratio | 22.6274% | 1,331 |
| Memoranda: |
| Average total assets | $408,525,670 | 1,610 |
| Average earning assets | $357,308,670 | 1,672 |
| Average equity | $51,740,000 | 1,299 |
| Average total loans | $221,185,330 | 1,902 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2905% | 1,893 |
| Cost of funding earning assets | 1.2928% | 2,223 |
| Net interest margin | 3.9977% | 2,688 |
| Noninterest income to average assets | 0.5516% | 3,499 |
| Noninterest expense to average assets | 2.0299% | 6,775 |
| Loan and lease loss provision to assets | 0.3681% | 2,356 |
| Net operating income to assets | 1.3781% | 1,099 |
| Return on assets (ROA) | 1.3781% | 1,150 |
| Pretax return on assets | 1.6382% | 1,108 |
| Return on Equity (ROE) | 11.0759% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.0759% | 886 |
| Net charge-offs to loans | 0.2720% | 2,984 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 13.6267% | 1,422 |
| Efficiency ratio | 50.2918% | 6,968 |
| Assets per employee ($millions) | 4.7109% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8655% | 2,807 |
| Loan loss allowance to noncurrent loans | 153.4858% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 2.7765% | 2,484 |
| Noncurrent loans to loans | 1.2154% | 4,651 |
| Net loans and leases to total assets | 51.9629% | 5,588 |
| Net loans and leases to deposits | 62.4633% | 5,446 |
| Net loans and leases to core deposits | 68.4904% | 5,232 |
| Total domestic deposits to total assets | 83.1895% | 4,858 |
| Equity capital to assets | 12.4325% | 1,661 |
| Core capital (leverage) ratio | 12.4678% | 1,339 |
| Tier 1 risk-based capital ratio | 20.9173% | 1,414 |
| Total risk-based capital ratio | 22.1728% | 1,389 |
| Memoranda: |
| Average total assets | $407,513,500 | 1,622 |
| Average earning assets | $355,202,500 | 1,692 |
| Average equity | $50,704,500 | 1,315 |
| Average total loans | $220,598,000 | 1,921 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5588% | 2,051 |
| Cost of funding earning assets | 1.5920% | 2,115 |
| Net interest margin | 3.9668% | 3,170 |
| Noninterest income to average assets | 0.4607% | 4,438 |
| Noninterest expense to average assets | 2.1094% | 6,824 |
| Loan and lease loss provision to assets | 0.3743% | 3,880 |
| Net operating income to assets | 1.1453% | 1,561 |
| Return on assets (ROA) | 1.1457% | 1,642 |
| Pretax return on assets | 1.4805% | 1,424 |
| Return on Equity (ROE) | 8.9758% | 2,297 |
| Retained earnings to average equity (ytd only) | 1.5484% | 4,760 |
| Net charge-offs to loans | 0.4100% | 3,990 |
| Credit loss provision to net charge-offs | 165.0165% | 2,084 |
| Earnings coverage of net charge-offs (x) | 8.1749% | 2,004 |
| Efficiency ratio | 53.2171% | 6,869 |
| Assets per employee ($millions) | 4.5508% | 2,782 |
| Cash dividends to net income (ytd only)* | 82.7489% | 767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7457% | 3,051 |
| Loan loss allowance to noncurrent loans | 104.1442% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 3.1276% | 2,261 |
| Noncurrent loans to loans | 1.6763% | 3,986 |
| Net loans and leases to total assets | 54.3898% | 5,585 |
| Net loans and leases to deposits | 65.9762% | 5,404 |
| Net loans and leases to core deposits | 72.8135% | 5,120 |
| Total domestic deposits to total assets | 82.4386% | 5,044 |
| Equity capital to assets | 12.4526% | 1,664 |
| Core capital (leverage) ratio | 12.2391% | 1,413 |
| Tier 1 risk-based capital ratio | 20.4453% | 1,412 |
| Total risk-based capital ratio | 21.6996% | 1,386 |
| Memoranda: |
| Average total assets | $400,730,600 | 1,651 |
| Average earning assets | $353,889,800 | 1,701 |
| Average equity | $51,148,600 | 1,304 |
| Average total loans | $221,731,200 | 1,955 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5870% | 2,112 |
| Cost of funding earning assets | 1.6398% | 2,163 |
| Net interest margin | 3.9472% | 3,331 |
| Noninterest income to average assets | 0.4328% | 4,692 |
| Noninterest expense to average assets | 2.1869% | 6,642 |
| Loan and lease loss provision to assets | 0.3077% | 4,118 |
| Net operating income to assets | 1.1468% | 1,742 |
| Return on assets (ROA) | 1.1470% | 1,846 |
| Pretax return on assets | 1.4218% | 1,820 |
| Return on Equity (ROE) | 8.9321% | 2,512 |
| Retained earnings to average equity (ytd only) | 8.9321% | 1,075 |
| Net charge-offs to loans | 0.2231% | 4,603 |
| Credit loss provision to net charge-offs | 249.3261% | 1,342 |
| Earnings coverage of net charge-offs (x) | 14.0109% | 1,544 |
| Efficiency ratio | 55.8444% | 6,580 |
| Assets per employee ($millions) | 4.5538% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7108% | 3,122 |
| Loan loss allowance to noncurrent loans | 115.0015% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 3.0524% | 2,375 |
| Noncurrent loans to loans | 1.4877% | 4,404 |
| Net loans and leases to total assets | 54.9521% | 5,711 |
| Net loans and leases to deposits | 67.3769% | 5,507 |
| Net loans and leases to core deposits | 74.6095% | 5,216 |
| Total domestic deposits to total assets | 81.5592% | 5,176 |
| Equity capital to assets | 13.3828% | 1,401 |
| Core capital (leverage) ratio | 12.9574% | 1,246 |
| Tier 1 risk-based capital ratio | 21.1726% | 1,330 |
| Total risk-based capital ratio | 22.4265% | 1,308 |
| Memoranda: |
| Average total assets | $400,795,750 | 1,673 |
| Average earning assets | $353,690,750 | 1,716 |
| Average equity | $51,468,500 | 1,301 |
| Average total loans | $221,742,750 | 1,986 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5692% | 2,252 |
| Cost of funding earning assets | 1.6896% | 2,169 |
| Net interest margin | 3.8796% | 3,539 |
| Noninterest income to average assets | 0.3752% | 5,126 |
| Noninterest expense to average assets | 2.2644% | 6,460 |
| Loan and lease loss provision to assets | 0.2744% | 4,193 |
| Net operating income to assets | 0.9926% | 2,231 |
| Return on assets (ROA) | 0.9930% | 2,305 |
| Pretax return on assets | 1.2559% | 2,238 |
| Return on Equity (ROE) | 7.8426% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.8426% | 1,495 |
| Net charge-offs to loans | 0.3240% | 3,704 |
| Credit loss provision to net charge-offs | 153.6313% | 2,561 |
| Earnings coverage of net charge-offs (x) | 8.5642% | 2,123 |
| Efficiency ratio | 59.6791% | 6,103 |
| Assets per employee ($millions) | 4.3630% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5645% | 3,611 |
| Loan loss allowance to noncurrent loans | 124.5425% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 3.1546% | 2,248 |
| Noncurrent loans to loans | 1.2562% | 4,868 |
| Net loans and leases to total assets | 55.0065% | 5,841 |
| Net loans and leases to deposits | 67.2412% | 5,654 |
| Net loans and leases to core deposits | 75.0141% | 5,317 |
| Total domestic deposits to total assets | 81.8047% | 5,066 |
| Equity capital to assets | 13.1265% | 1,515 |
| Core capital (leverage) ratio | 12.5547% | 1,386 |
| Tier 1 risk-based capital ratio | 20.7617% | 1,380 |
| Total risk-based capital ratio | 22.0142% | 1,355 |
| Memoranda: |
| Average total assets | $400,817,330 | 1,689 |
| Average earning assets | $353,228,000 | 1,729 |
| Average equity | $50,748,330 | 1,316 |
| Average total loans | $220,976,000 | 2,015 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4881% | 2,641 |
| Cost of funding earning assets | 1.7445% | 2,154 |
| Net interest margin | 3.7437% | 4,039 |
| Noninterest income to average assets | 0.5542% | 3,618 |
| Noninterest expense to average assets | 2.2071% | 6,669 |
| Loan and lease loss provision to assets | 0.2235% | 4,260 |
| Net operating income to assets | 1.1206% | 1,760 |
| Return on assets (ROA) | 1.1214% | 1,841 |
| Pretax return on assets | 1.3946% | 1,792 |
| Return on Equity (ROE) | 9.0205% | 2,488 |
| Retained earnings to average equity (ytd only) | 9.0205% | 1,396 |
| Net charge-offs to loans | 0.2648% | 3,349 |
| Credit loss provision to net charge-offs | 154.1096% | 2,322 |
| Earnings coverage of net charge-offs (x) | 11.1507% | 1,675 |
| Efficiency ratio | 57.7143% | 6,526 |
| Assets per employee ($millions) | 4.6260% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5266% | 3,770 |
| Loan loss allowance to noncurrent loans | 114.1013% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 3.1575% | 2,272 |
| Noncurrent loans to loans | 1.3379% | 4,744 |
| Net loans and leases to total assets | 53.2086% | 6,127 |
| Net loans and leases to deposits | 64.9345% | 5,953 |
| Net loans and leases to core deposits | 72.2991% | 5,676 |
| Total domestic deposits to total assets | 81.9419% | 5,096 |
| Equity capital to assets | 12.5018% | 1,762 |
| Core capital (leverage) ratio | 12.2585% | 1,516 |
| Tier 1 risk-based capital ratio | 20.1929% | 1,484 |
| Total risk-based capital ratio | 21.4462% | 1,453 |
| Memoranda: |
| Average total assets | $402,707,500 | 1,716 |
| Average earning assets | $351,741,000 | 1,773 |
| Average equity | $50,064,000 | 1,337 |
| Average total loans | $220,530,500 | 2,072 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7107% | 3,047 |
| Cost of funding earning assets | 2.1477% | 2,245 |
| Net interest margin | 3.5631% | 4,679 |
| Noninterest income to average assets | 0.6652% | 3,193 |
| Noninterest expense to average assets | 2.0897% | 7,204 |
| Loan and lease loss provision to assets | 0.3392% | 4,770 |
| Net operating income to assets | 1.1364% | 1,421 |
| Return on assets (ROA) | 1.1393% | 1,441 |
| Pretax return on assets | 1.4046% | 1,426 |
| Return on Equity (ROE) | 9.0337% | 2,016 |
| Retained earnings to average equity (ytd only) | 1.3509% | 4,107 |
| Net charge-offs to loans | 0.5619% | 3,535 |
| Credit loss provision to net charge-offs | 110.1906% | 4,995 |
| Earnings coverage of net charge-offs (x) | 5.6529% | 2,534 |
| Efficiency ratio | 54.5618% | 7,168 |
| Assets per employee ($millions) | 4.5784% | 2,796 |
| Cash dividends to net income (ytd only)* | 85.0459% | 1,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4831% | 3,816 |
| Loan loss allowance to noncurrent loans | 129.9128% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 3.1281% | 2,210 |
| Noncurrent loans to loans | 1.1416% | 5,049 |
| Net loans and leases to total assets | 54.6833% | 6,122 |
| Net loans and leases to deposits | 66.7496% | 5,973 |
| Net loans and leases to core deposits | 89.5077% | 5,179 |
| Total domestic deposits to total assets | 81.9230% | 4,987 |
| Equity capital to assets | 12.3603% | 1,815 |
| Core capital (leverage) ratio | 12.2027% | 1,581 |
| Tier 1 risk-based capital ratio | 19.6881% | 1,519 |
| Total risk-based capital ratio | 20.9399% | 1,483 |
| Memoranda: |
| Average total assets | $392,069,000 | 1,754 |
| Average earning assets | $348,239,000 | 1,794 |
| Average equity | $49,448,400 | 1,362 |
| Average total loans | $214,815,400 | 2,149 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7365% | 3,157 |
| Cost of funding earning assets | 2.2334% | 2,262 |
| Net interest margin | 3.5031% | 4,852 |
| Noninterest income to average assets | 0.7187% | 2,893 |
| Noninterest expense to average assets | 2.0773% | 7,229 |
| Loan and lease loss provision to assets | 0.3073% | 4,514 |
| Net operating income to assets | 1.1758% | 1,527 |
| Return on assets (ROA) | 1.1783% | 1,573 |
| Pretax return on assets | 1.4504% | 1,559 |
| Return on Equity (ROE) | 9.2950% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.2950% | 769 |
| Net charge-offs to loans | 0.7759% | 2,421 |
| Credit loss provision to net charge-offs | 72.5222% | 5,933 |
| Earnings coverage of net charge-offs (x) | 4.1410% | 3,244 |
| Efficiency ratio | 54.2101% | 7,214 |
| Assets per employee ($millions) | 4.5615% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3077% | 4,457 |
| Loan loss allowance to noncurrent loans | 169.4762% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 3.0460% | 2,271 |
| Noncurrent loans to loans | 0.7716% | 5,755 |
| Net loans and leases to total assets | 54.1568% | 6,366 |
| Net loans and leases to deposits | 66.9308% | 6,219 |
| Net loans and leases to core deposits | 91.1541% | 5,315 |
| Total domestic deposits to total assets | 80.9146% | 5,113 |
| Equity capital to assets | 13.3019% | 1,577 |
| Core capital (leverage) ratio | 13.0024% | 1,377 |
| Tier 1 risk-based capital ratio | 21.6302% | 1,269 |
| Total risk-based capital ratio | 22.8236% | 1,256 |
| Memoranda: |
| Average total assets | $390,505,500 | 1,773 |
| Average earning assets | $347,033,000 | 1,814 |
| Average equity | $49,502,000 | 1,380 |
| Average total loans | $213,245,500 | 2,186 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6906% | 3,597 |
| Cost of funding earning assets | 2.3347% | 2,221 |
| Net interest margin | 3.3559% | 5,333 |
| Noninterest income to average assets | 0.6889% | 3,065 |
| Noninterest expense to average assets | 1.9866% | 7,485 |
| Loan and lease loss provision to assets | 0.2770% | 4,363 |
| Net operating income to assets | 1.1346% | 1,650 |
| Return on assets (ROA) | 1.1346% | 1,733 |
| Pretax return on assets | 1.4054% | 1,711 |
| Return on Equity (ROE) | 9.1013% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.1013% | 912 |
| Net charge-offs to loans | 0.3895% | 3,250 |
| Credit loss provision to net charge-offs | 130.4348% | 3,569 |
| Earnings coverage of net charge-offs (x) | 7.9227% | 2,359 |
| Efficiency ratio | 54.1451% | 7,312 |
| Assets per employee ($millions) | 4.4101% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5311% | 3,027 |
| Loan loss allowance to noncurrent loans | 89.9671% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 3.4410% | 1,811 |
| Noncurrent loans to loans | 1.7019% | 3,957 |
| Net loans and leases to total assets | 53.7746% | 6,486 |
| Net loans and leases to deposits | 66.2845% | 6,364 |
| Net loans and leases to core deposits | 89.8834% | 5,542 |
| Total domestic deposits to total assets | 81.1270% | 5,028 |
| Equity capital to assets | 12.6633% | 1,849 |
| Core capital (leverage) ratio | 12.6895% | 1,542 |
| Tier 1 risk-based capital ratio | 21.0823% | 1,377 |
| Total risk-based capital ratio | 22.3337% | 1,349 |
| Memoranda: |
| Average total assets | $389,911,000 | 1,796 |
| Average earning assets | $346,257,330 | 1,833 |
| Average equity | $48,608,670 | 1,421 |
| Average total loans | $212,572,000 | 2,226 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7694% | 3,439 |
| Cost of funding earning assets | 2.3891% | 2,339 |
| Net interest margin | 3.3803% | 5,213 |
| Noninterest income to average assets | 0.7359% | 2,678 |
| Noninterest expense to average assets | 1.9639% | 7,427 |
| Loan and lease loss provision to assets | 0.1853% | 4,589 |
| Net operating income to assets | 1.3278% | 1,318 |
| Return on assets (ROA) | 1.3278% | 1,421 |
| Pretax return on assets | 1.5985% | 1,411 |
| Return on Equity (ROE) | 10.7364% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.7364% | 1,024 |
| Net charge-offs to loans | 0.7218% | 1,748 |
| Credit loss provision to net charge-offs | 47.1204% | 4,727 |
| Earnings coverage of net charge-offs (x) | 4.5366% | 2,865 |
| Efficiency ratio | 52.4032% | 7,371 |
| Assets per employee ($millions) | 4.6132% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3925% | 3,539 |
| Loan loss allowance to noncurrent loans | 112.4905% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 3.0649% | 1,844 |
| Noncurrent loans to loans | 1.2379% | 4,494 |
| Net loans and leases to total assets | 53.3470% | 6,547 |
| Net loans and leases to deposits | 66.0477% | 6,371 |
| Net loans and leases to core deposits | 89.0808% | 5,636 |
| Total domestic deposits to total assets | 80.7703% | 5,057 |
| Equity capital to assets | 12.5179% | 1,962 |
| Core capital (leverage) ratio | 12.5600% | 1,666 |
| Tier 1 risk-based capital ratio | 20.8931% | 1,465 |
| Total risk-based capital ratio | 22.1434% | 1,438 |
| Memoranda: |
| Average total assets | $388,615,000 | 1,813 |
| Average earning assets | $346,238,500 | 1,847 |
| Average equity | $48,061,000 | 1,432 |
| Average total loans | $211,683,500 | 2,253 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4100% | 3,362 |
| Cost of funding earning assets | 2.7588% | 2,881 |
| Net interest margin | 3.6512% | 4,672 |
| Noninterest income to average assets | 0.7362% | 2,865 |
| Noninterest expense to average assets | 1.9806% | 7,478 |
| Loan and lease loss provision to assets | 0.3897% | 3,351 |
| Net operating income to assets | 1.3460% | 1,358 |
| Return on assets (ROA) | 1.2409% | 1,595 |
| Pretax return on assets | 1.5183% | 1,625 |
| Return on Equity (ROE) | 9.7678% | 2,337 |
| Retained earnings to average equity (ytd only) | 1.7859% | 4,127 |
| Net charge-offs to loans | 0.8254% | 1,517 |
| Credit loss provision to net charge-offs | 86.3394% | 5,753 |
| Earnings coverage of net charge-offs (x) | 4.5109% | 3,952 |
| Efficiency ratio | 49.3089% | 7,710 |
| Assets per employee ($millions) | 4.5307% | 2,564 |
| Cash dividends to net income (ytd only)* | 81.7165% | 1,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4941% | 2,728 |
| Loan loss allowance to noncurrent loans | 270.9013% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 2.7615% | 1,710 |
| Noncurrent loans to loans | 0.5515% | 5,709 |
| Net loans and leases to total assets | 54.0295% | 6,649 |
| Net loans and leases to deposits | 67.4555% | 6,509 |
| Net loans and leases to core deposits | 91.0166% | 5,717 |
| Total domestic deposits to total assets | 80.0964% | 4,979 |
| Equity capital to assets | 12.2138% | 2,155 |
| Core capital (leverage) ratio | 12.3957% | 1,790 |
| Tier 1 risk-based capital ratio | 20.1022% | 1,603 |
| Total risk-based capital ratio | 21.3533% | 1,565 |
| Memoranda: |
| Average total assets | $374,639,800 | 1,800 |
| Average earning assets | $336,598,600 | 1,829 |
| Average equity | $47,595,400 | 1,439 |
| Average total loans | $204,865,200 | 2,251 |
