| 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 | 4.2536% | 3,517 |
| Cost of funding earning assets | 1.5867% | 1,719 |
| Net interest margin | 2.6669% | 3,867 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 1.9053% | 3,826 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1101% | 1,893 |
| Return on assets (ROA) | 1.0626% | 2,002 |
| Pretax return on assets | 1.0512% | 2,530 |
| Return on Equity (ROE) | 17.7200% | 860 |
| Retained earnings to average equity (ytd only) | -8.2385% | 4,447 |
| Net charge-offs to loans | 0.0007% | 2,872 |
| Credit loss provision to net charge-offs | -4,050.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | 3,299.5000% | 39 |
| Efficiency ratio | 62.5195% | 2,776 |
| Assets per employee ($millions) | 9.2681% | 893 |
| Cash dividends to net income (ytd only)* | 146.4829% | 109 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5944% | 4,254 |
| Loan loss allowance to noncurrent loans | 229.6167% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 2,566 |
| Noncurrent loans to loans | 0.2589% | 2,256 |
| Net loans and leases to total assets | 54.8800% | 3,284 |
| Net loans and leases to deposits | 59.7354% | 3,539 |
| Net loans and leases to core deposits | 63.9239% | 3,595 |
| Total domestic deposits to total assets | 91.8800% | 323 |
| Equity capital to assets | 6.3637% | 4,155 |
| Core capital (leverage) ratio | 6.9510% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9266% | 2,825 |
| Memoranda: |
| Average total assets | $593,988,000 | 1,495 |
| Average earning assets | $570,253,000 | 1,440 |
| Average equity | $35,613,400 | 2,028 |
| Average total loans | $302,539,600 | 1,783 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1887% | 3,492 |
| Cost of funding earning assets | 1.4382% | 1,769 |
| Net interest margin | 2.7504% | 3,808 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 1.8479% | 3,883 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3327% | 1,465 |
| Return on assets (ROA) | 1.3836% | 1,342 |
| Pretax return on assets | 1.3897% | 1,801 |
| Return on Equity (ROE) | 23.4400% | 464 |
| Retained earnings to average equity (ytd only) | -11.8473% | 4,512 |
| Net charge-offs to loans | 0.0009% | 2,604 |
| Credit loss provision to net charge-offs | -4,050.0000% | 4,621 |
| Earnings coverage of net charge-offs (x) | 3,008.0000% | 34 |
| Efficiency ratio | 57.0645% | 3,309 |
| Assets per employee ($millions) | 8.9581% | 949 |
| Cash dividends to net income (ytd only)* | 150.5373% | 58 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6446% | 4,207 |
| Loan loss allowance to noncurrent loans | 223.8958% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,569 |
| Noncurrent loans to loans | 0.2879% | 2,205 |
| Net loans and leases to total assets | 52.3300% | 3,474 |
| Net loans and leases to deposits | 56.3322% | 3,700 |
| Net loans and leases to core deposits | 59.5985% | 3,720 |
| Total domestic deposits to total assets | 92.9000% | 313 |
| Equity capital to assets | 4.3447% | 4,360 |
| Core capital (leverage) ratio | 7.0950% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4217% | 2,746 |
| Memoranda: |
| Average total assets | $591,878,000 | 1,501 |
| Average earning assets | $568,087,000 | 1,445 |
| Average equity | $34,932,500 | 2,051 |
| Average total loans | $295,021,750 | 1,814 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1080% | 3,475 |
| Cost of funding earning assets | 1.2640% | 1,814 |
| Net interest margin | 2.8440% | 3,743 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 1.8552% | 3,898 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.5820% | 974 |
| Return on assets (ROA) | 1.6563% | 860 |
| Pretax return on assets | 1.6401% | 1,338 |
| Return on Equity (ROE) | 25.8400% | 344 |
| Retained earnings to average equity (ytd only) | -16.6474% | 4,565 |
| Net charge-offs to loans | 0.0014% | 2,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2,406.5000% | 56 |
| Efficiency ratio | 52.8307% | 3,710 |
| Assets per employee ($millions) | 9.2436% | 838 |
| Cash dividends to net income (ytd only)* | 164.4278% | 89 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7020% | 4,179 |
| Loan loss allowance to noncurrent loans | 794.5946% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 3,326 |
| Noncurrent loans to loans | 0.0883% | 3,060 |
| Net loans and leases to total assets | 49.9900% | 3,563 |
| Net loans and leases to deposits | 54.2163% | 3,734 |
| Net loans and leases to core deposits | 56.9913% | 3,769 |
| Total domestic deposits to total assets | 92.2100% | 371 |
| Equity capital to assets | 6.0411% | 4,134 |
| Core capital (leverage) ratio | 7.1313% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0001% | 2,626 |
| Memoranda: |
| Average total assets | $595,079,000 | 1,486 |
| Average earning assets | $571,664,667 | 1,436 |
| Average equity | $38,144,000 | 1,936 |
| Average total loans | $291,134,000 | 1,816 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0465% | 3,366 |
| Cost of funding earning assets | 1.0891% | 1,781 |
| Net interest margin | 2.9574% | 3,683 |
| Noninterest income to average assets | 1.2500% | 418 |
| Noninterest expense to average assets | 1.7478% | 4,121 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 2.3450% | 302 |
| Return on assets (ROA) | 2.3490% | 299 |
| Pretax return on assets | 2.2446% | 531 |
| Return on Equity (ROE) | 35.6500% | 152 |
| Retained earnings to average equity (ytd only) | 0.9892% | 3,867 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.2208% | 4,381 |
| Assets per employee ($millions) | 9.6572% | 766 |
| Cash dividends to net income (ytd only)* | 97.2254% | 459 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7317% | 4,199 |
| Loan loss allowance to noncurrent loans | 820.7171% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 3,297 |
| Noncurrent loans to loans | 0.0892% | 3,106 |
| Net loans and leases to total assets | 46.6800% | 3,737 |
| Net loans and leases to deposits | 51.3036% | 3,832 |
| Net loans and leases to core deposits | 53.7922% | 3,842 |
| Total domestic deposits to total assets | 90.9800% | 809 |
| Equity capital to assets | 6.6395% | 3,985 |
| Core capital (leverage) ratio | 7.4870% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8868% | 2,435 |
| Memoranda: |
| Average total assets | $601,445,500 | 1,497 |
| Average earning assets | $578,078,000 | 1,450 |
| Average equity | $39,626,000 | 1,915 |
| Average total loans | $290,109,500 | 1,834 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3461% | 3,481 |
| Cost of funding earning assets | 0.3699% | 2,329 |
| Net interest margin | 2.9762% | 3,509 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.8250% | 3,981 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 1.4848% | 916 |
| Return on assets (ROA) | 1.4934% | 861 |
| Pretax return on assets | 1.5813% | 1,209 |
| Return on Equity (ROE) | 25.2000% | 205 |
| Retained earnings to average equity (ytd only) | 7.5364% | 2,010 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.0113% | 3,584 |
| Assets per employee ($millions) | 9.4481% | 798 |
| Cash dividends to net income (ytd only)* | 70.0923% | 654 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7788% | 4,077 |
| Loan loss allowance to noncurrent loans | 780.8765% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,195 |
| Noncurrent loans to loans | 0.0997% | 3,049 |
| Net loans and leases to total assets | 51.8200% | 3,375 |
| Net loans and leases to deposits | 56.8868% | 3,521 |
| Net loans and leases to core deposits | 58.8730% | 3,560 |
| Total domestic deposits to total assets | 91.0900% | 922 |
| Equity capital to assets | 5.3992% | 4,269 |
| Core capital (leverage) ratio | 7.0199% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0747% | 2,715 |
| Memoranda: |
| Average total assets | $478,911,000 | 1,775 |
| Average earning assets | $463,849,000 | 1,718 |
| Average equity | $28,382,400 | 2,410 |
| Average total loans | $234,939,600 | 2,023 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1269% | 3,608 |
| Cost of funding earning assets | 0.3118% | 2,039 |
| Net interest margin | 2.8151% | 3,701 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.7778% | 4,023 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 1.1161% | 2,020 |
| Return on assets (ROA) | 1.1265% | 1,947 |
| Pretax return on assets | 1.2090% | 2,332 |
| Return on Equity (ROE) | 18.5900% | 566 |
| Retained earnings to average equity (ytd only) | 3.8654% | 3,488 |
| Net charge-offs to loans | 0.0023% | 2,188 |
| Credit loss provision to net charge-offs | -4,125.0000% | 4,752 |
| Earnings coverage of net charge-offs (x) | 1,032.7500% | 147 |
| Efficiency ratio | 60.6834% | 3,029 |
| Assets per employee ($millions) | 9.3613% | 785 |
| Cash dividends to net income (ytd only)* | 79.2079% | 419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0282% | 3,358 |
| Loan loss allowance to noncurrent loans | 567.2055% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 2,920 |
| Noncurrent loans to loans | 0.1813% | 2,681 |
| Net loans and leases to total assets | 47.6500% | 3,656 |
| Net loans and leases to deposits | 51.6028% | 3,758 |
| Net loans and leases to core deposits | 53.2965% | 3,792 |
| Total domestic deposits to total assets | 92.3400% | 769 |
| Equity capital to assets | 4.2711% | 4,442 |
| Core capital (leverage) ratio | 6.8784% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5476% | 2,641 |
| Memoranda: |
| Average total assets | $478,175,750 | 1,790 |
| Average earning assets | $463,486,750 | 1,732 |
| Average equity | $28,974,000 | 2,412 |
| Average total loans | $230,761,000 | 2,047 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9609% | 3,651 |
| Cost of funding earning assets | 0.3035% | 1,686 |
| Net interest margin | 2.6574% | 3,799 |
| Noninterest income to average assets | 0.2118% | 3,933 |
| Noninterest expense to average assets | 1.7904% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9279% | 2,455 |
| Return on assets (ROA) | 0.9433% | 2,361 |
| Pretax return on assets | 1.0153% | 2,671 |
| Return on Equity (ROE) | 14.1091% | 1,088 |
| Retained earnings to average equity (ytd only) | 2.8193% | 3,503 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1913% | 2,746 |
| Assets per employee ($millions) | 8.8419% | 939 |
| Cash dividends to net income (ytd only)* | 80.0180% | 599 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1356% | 3,008 |
| Loan loss allowance to noncurrent loans | 990.5660% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,240 |
| Noncurrent loans to loans | 0.1146% | 3,168 |
| Net loans and leases to total assets | 47.8640% | 3,566 |
| Net loans and leases to deposits | 52.2960% | 3,661 |
| Net loans and leases to core deposits | 53.9548% | 3,697 |
| Total domestic deposits to total assets | 91.5252% | 1,023 |
| Equity capital to assets | 4.8919% | 4,498 |
| Core capital (leverage) ratio | 7.0685% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7918% | 2,572 |
| Memoranda: |
| Average total assets | $472,185,333 | 1,813 |
| Average earning assets | $457,963,333 | 1,755 |
| Average equity | $31,568,333 | 2,341 |
| Average total loans | $228,059,667 | 2,064 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8358% | 3,669 |
| Cost of funding earning assets | 0.3131% | 1,531 |
| Net interest margin | 2.5226% | 3,854 |
| Noninterest income to average assets | 0.1993% | 3,971 |
| Noninterest expense to average assets | 1.9219% | 3,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6892% | 3,100 |
| Return on assets (ROA) | 0.6892% | 3,089 |
| Pretax return on assets | 0.7275% | 3,312 |
| Return on Equity (ROE) | 9.0710% | 2,292 |
| Retained earnings to average equity (ytd only) | 9.0710% | 1,252 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5402% | 1,906 |
| Assets per employee ($millions) | 8.4666% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1953% | 2,884 |
| Loan loss allowance to noncurrent loans | 1,001.5267% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,340 |
| Noncurrent loans to loans | 0.1193% | 3,228 |
| Net loans and leases to total assets | 45.7470% | 3,604 |
| Net loans and leases to deposits | 50.7142% | 3,671 |
| Net loans and leases to core deposits | 52.3885% | 3,702 |
| Total domestic deposits to total assets | 90.2056% | 1,442 |
| Equity capital to assets | 6.1745% | 4,545 |
| Core capital (leverage) ratio | 7.1486% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5532% | 2,394 |
| Memoranda: |
| Average total assets | $469,547,500 | 1,830 |
| Average earning assets | $456,030,500 | 1,765 |
| Average equity | $35,674,000 | 2,230 |
| Average total loans | $226,511,000 | 2,069 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2794% | 3,271 |
| Cost of funding earning assets | 0.2861% | 2,542 |
| Net interest margin | 2.9933% | 3,209 |
| Noninterest income to average assets | 0.2565% | 3,841 |
| Noninterest expense to average assets | 1.9686% | 3,772 |
| Loan and lease loss provision to assets | -0.1038% | 4,537 |
| Net operating income to assets | 1.2189% | 1,861 |
| Return on assets (ROA) | 1.2220% | 1,898 |
| Pretax return on assets | 1.2999% | 2,363 |
| Return on Equity (ROE) | 13.3192% | 1,368 |
| Retained earnings to average equity (ytd only) | -3.4724% | 4,672 |
| Net charge-offs to loans | -0.0557% | 4,370 |
| Credit loss provision to net charge-offs | 378.7879% | 939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6294% | 3,055 |
| Assets per employee ($millions) | 8.3030% | 1,171 |
| Cash dividends to net income (ytd only)* | 126.0707% | 105 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1242% | 3,257 |
| Loan loss allowance to noncurrent loans | 414.0379% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 2,858 |
| Noncurrent loans to loans | 0.2715% | 2,628 |
| Net loans and leases to total assets | 49.6537% | 3,328 |
| Net loans and leases to deposits | 57.0183% | 3,336 |
| Net loans and leases to core deposits | 58.6651% | 3,423 |
| Total domestic deposits to total assets | 87.0838% | 2,483 |
| Equity capital to assets | 9.0486% | 3,573 |
| Core capital (leverage) ratio | 7.8142% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0063% | 2,250 |
| Memoranda: |
| Average total assets | $481,511,600 | 1,741 |
| Average earning assets | $467,278,800 | 1,694 |
| Average equity | $44,176,800 | 1,944 |
| Average total loans | $237,117,800 | 2,005 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3796% | 3,161 |
| Cost of funding earning assets | 0.2940% | 2,652 |
| Net interest margin | 3.0856% | 3,091 |
| Noninterest income to average assets | 0.2905% | 3,714 |
| Noninterest expense to average assets | 1.9962% | 3,686 |
| Loan and lease loss provision to assets | -0.1373% | 4,672 |
| Net operating income to assets | 1.4257% | 1,457 |
| Return on assets (ROA) | 1.4257% | 1,523 |
| Pretax return on assets | 1.4257% | 2,229 |
| Return on Equity (ROE) | 15.4886% | 1,045 |
| Retained earnings to average equity (ytd only) | -2.5919% | 4,722 |
| Net charge-offs to loans | -0.0734% | 4,501 |
| Credit loss provision to net charge-offs | 381.6794% | 883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2026% | 3,097 |
| Assets per employee ($millions) | 8.8807% | 930 |
| Cash dividends to net income (ytd only)* | 116.7341% | 104 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1759% | 3,097 |
| Loan loss allowance to noncurrent loans | 425.2836% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,113 |
| Noncurrent loans to loans | 0.2765% | 2,812 |
| Net loans and leases to total assets | 44.3433% | 3,925 |
| Net loans and leases to deposits | 50.5993% | 3,978 |
| Net loans and leases to core deposits | 51.9602% | 4,039 |
| Total domestic deposits to total assets | 87.6363% | 2,041 |
| Equity capital to assets | 8.7853% | 4,013 |
| Core capital (leverage) ratio | 7.8244% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1409% | 1,915 |
| Memoranda: |
| Average total assets | $485,648,000 | 1,750 |
| Average earning assets | $471,252,250 | 1,700 |
| Average equity | $44,702,750 | 1,960 |
| Average total loans | $238,022,750 | 2,039 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6315% | 2,528 |
| Cost of funding earning assets | 0.3164% | 2,631 |
| Net interest margin | 3.3151% | 2,396 |
| Noninterest income to average assets | 0.3209% | 3,504 |
| Noninterest expense to average assets | 1.9167% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6191% | 1,012 |
| Return on assets (ROA) | 1.6191% | 1,069 |
| Pretax return on assets | 1.6191% | 1,686 |
| Return on Equity (ROE) | 17.3179% | 739 |
| Retained earnings to average equity (ytd only) | 1.1234% | 4,315 |
| Net charge-offs to loans | -0.1078% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7416% | 3,957 |
| Assets per employee ($millions) | 7.7333% | 1,338 |
| Cash dividends to net income (ytd only)* | 93.5128% | 333 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3546% | 2,170 |
| Loan loss allowance to noncurrent loans | 199.0440% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 1,939 |
| Noncurrent loans to loans | 0.6806% | 1,721 |
| Net loans and leases to total assets | 46.6799% | 3,854 |
| Net loans and leases to deposits | 53.6270% | 3,885 |
| Net loans and leases to core deposits | 55.1453% | 3,957 |
| Total domestic deposits to total assets | 87.0454% | 2,291 |
| Equity capital to assets | 9.2712% | 3,539 |
| Core capital (leverage) ratio | 8.0508% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5420% | 1,791 |
| Memoranda: |
| Average total assets | $481,758,333 | 1,756 |
| Average earning assets | $467,193,667 | 1,706 |
| Average equity | $45,040,000 | 1,930 |
| Average total loans | $242,980,000 | 2,008 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3708% | 3,284 |
| Cost of funding earning assets | 0.3409% | 2,605 |
| Net interest margin | 3.0299% | 3,180 |
| Noninterest income to average assets | 0.2347% | 3,985 |
| Noninterest expense to average assets | 1.6430% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5454% | 1,225 |
| Return on assets (ROA) | 1.5454% | 1,294 |
| Pretax return on assets | 1.5454% | 1,867 |
| Return on Equity (ROE) | 15.8023% | 1,058 |
| Retained earnings to average equity (ytd only) | -3.0654% | 4,604 |
| Net charge-offs to loans | 0.0051% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 665.0000% | 148 |
| Efficiency ratio | 51.5306% | 4,045 |
| Assets per employee ($millions) | 9.1717% | 784 |
| Cash dividends to net income (ytd only)* | 119.3985% | 326 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3381% | 2,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.4378% | 4,204 |
| Net loans and leases to deposits | 49.4147% | 4,199 |
| Net loans and leases to core deposits | 49.6892% | 4,309 |
| Total domestic deposits to total assets | 85.8810% | 2,777 |
| Equity capital to assets | 9.4387% | 3,254 |
| Core capital (leverage) ratio | 8.7950% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3702% | 1,204 |
| Memoranda: |
| Average total assets | $172,119,000 | 3,310 |
| Average earning assets | $167,794,500 | 3,234 |
| Average equity | $16,833,000 | 3,525 |
| Average total loans | $77,902,000 | 3,610 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1625% | 2,249 |
| Cost of funding earning assets | 0.4363% | 3,368 |
| Net interest margin | 3.7262% | 1,720 |
| Noninterest income to average assets | 0.1135% | 4,696 |
| Noninterest expense to average assets | 1.7954% | 4,477 |
| Loan and lease loss provision to assets | 0.1402% | 2,605 |
| Net operating income to assets | 1.7440% | 448 |
| Return on assets (ROA) | 1.7440% | 482 |
| Pretax return on assets | 1.7460% | 774 |
| Return on Equity (ROE) | 15.4832% | 567 |
| Retained earnings to average equity (ytd only) | 1.2088% | 4,144 |
| Net charge-offs to loans | 0.1580% | 1,038 |
| Credit loss provision to net charge-offs | 161.5385% | 2,364 |
| Earnings coverage of net charge-offs (x) | 21.7385% | 1,884 |
| Efficiency ratio | 48.7672% | 4,596 |
| Assets per employee ($millions) | 9.4431% | 639 |
| Cash dividends to net income (ytd only)* | 92.1929% | 378 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2418% | 2,739 |
| Loan loss allowance to noncurrent loans | 100,400.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,489 |
| Noncurrent loans to loans | 0.0012% | 4,412 |
| Net loans and leases to total assets | 46.9737% | 4,057 |
| Net loans and leases to deposits | 55.2787% | 4,051 |
| Net loans and leases to core deposits | 55.5947% | 4,173 |
| Total domestic deposits to total assets | 84.9761% | 2,772 |
| Equity capital to assets | 10.1297% | 3,001 |
| Core capital (leverage) ratio | 9.8910% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6843% | 1,632 |
| Memoranda: |
| Average total assets | $149,830,400 | 3,408 |
| Average earning assets | $143,471,400 | 3,341 |
| Average equity | $16,876,400 | 3,461 |
| Average total loans | $82,288,600 | 3,518 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4752% | 1,636 |
| Cost of funding earning assets | 0.4812% | 3,350 |
| Net interest margin | 3.9939% | 1,130 |
| Noninterest income to average assets | 0.1169% | 4,693 |
| Noninterest expense to average assets | 1.9420% | 4,265 |
| Loan and lease loss provision to assets | 0.3039% | 1,329 |
| Net operating income to assets | 1.6741% | 613 |
| Return on assets (ROA) | 1.6741% | 680 |
| Pretax return on assets | 1.6768% | 1,011 |
| Return on Equity (ROE) | 14.4359% | 808 |
| Retained earnings to average equity (ytd only) | -1.1196% | 4,626 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5070% | 4,525 |
| Assets per employee ($millions) | 8.7448% | 763 |
| Cash dividends to net income (ytd only)* | 107.7558% | 241 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4131% | 1,687 |
| Loan loss allowance to noncurrent loans | 125,300.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,537 |
| Noncurrent loans to loans | 0.0011% | 4,465 |
| Net loans and leases to total assets | 58.8039% | 3,342 |
| Net loans and leases to deposits | 72.5120% | 3,083 |
| Net loans and leases to core deposits | 74.9387% | 3,245 |
| Total domestic deposits to total assets | 81.0954% | 3,638 |
| Equity capital to assets | 11.3398% | 2,120 |
| Core capital (leverage) ratio | 9.7974% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8726% | 1,541 |
| Memoranda: |
| Average total assets | $144,794,000 | 3,449 |
| Average earning assets | $137,972,000 | 3,392 |
| Average equity | $16,791,000 | 3,471 |
| Average total loans | $82,648,750 | 3,530 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7318% | 1,325 |
| Cost of funding earning assets | 0.5508% | 3,233 |
| Net interest margin | 4.1810% | 966 |
| Noninterest income to average assets | 0.1185% | 4,705 |
| Noninterest expense to average assets | 1.8912% | 4,432 |
| Loan and lease loss provision to assets | 0.2927% | 1,470 |
| Net operating income to assets | 1.9080% | 401 |
| Return on assets (ROA) | 1.9080% | 444 |
| Pretax return on assets | 1.9121% | 660 |
| Return on Equity (ROE) | 16.3281% | 513 |
| Retained earnings to average equity (ytd only) | 2.6597% | 3,526 |
| Net charge-offs to loans | 0.3224% | 501 |
| Credit loss provision to net charge-offs | 161.5385% | 2,074 |
| Earnings coverage of net charge-offs (x) | 12.1692% | 2,066 |
| Efficiency ratio | 46.1722% | 4,716 |
| Assets per employee ($millions) | 9.0052% | 677 |
| Cash dividends to net income (ytd only)* | 83.7107% | 694 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1054% | 3,021 |
| Loan loss allowance to noncurrent loans | 50,150.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,595 |
| Noncurrent loans to loans | 0.0022% | 4,520 |
| Net loans and leases to total assets | 58.6175% | 3,458 |
| Net loans and leases to deposits | 74.1867% | 3,063 |
| Net loans and leases to core deposits | 76.5583% | 3,241 |
| Total domestic deposits to total assets | 79.0135% | 4,034 |
| Equity capital to assets | 11.2758% | 2,138 |
| Core capital (leverage) ratio | 10.1466% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7816% | 1,552 |
| Memoranda: |
| Average total assets | $143,504,667 | 3,445 |
| Average earning assets | $136,522,667 | 3,394 |
| Average equity | $16,768,667 | 3,482 |
| Average total loans | $80,641,000 | 3,564 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3190% | 2,864 |
| Cost of funding earning assets | 0.6850% | 2,995 |
| Net interest margin | 3.6340% | 2,557 |
| Noninterest income to average assets | 0.1384% | 4,670 |
| Noninterest expense to average assets | 1.9551% | 4,478 |
| Loan and lease loss provision to assets | 0.0288% | 3,423 |
| Net operating income to assets | 1.6033% | 621 |
| Return on assets (ROA) | 1.6033% | 687 |
| Pretax return on assets | 1.6120% | 1,022 |
| Return on Equity (ROE) | 13.4608% | 798 |
| Retained earnings to average equity (ytd only) | -0.8474% | 4,121 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3705% | 4,370 |
| Assets per employee ($millions) | 7.6844% | 836 |
| Cash dividends to net income (ytd only)* | 106.2950% | 704 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2011% | 2,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 55.4829% | 3,874 |
| Net loans and leases to deposits | 69.8835% | 3,603 |
| Net loans and leases to core deposits | 72.3515% | 3,737 |
| Total domestic deposits to total assets | 79.3934% | 3,976 |
| Equity capital to assets | 11.9440% | 2,115 |
| Core capital (leverage) ratio | 10.8327% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7193% | 1,683 |
| Memoranda: |
| Average total assets | $138,712,500 | 3,471 |
| Average earning assets | $131,975,000 | 3,422 |
| Average equity | $16,522,000 | 3,512 |
| Average total loans | $75,591,500 | 3,650 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5782% | 2,689 |
| Cost of funding earning assets | 0.9034% | 2,174 |
| Net interest margin | 3.6748% | 2,889 |
| Noninterest income to average assets | 0.1306% | 4,816 |
| Noninterest expense to average assets | 1.8833% | 4,680 |
| Loan and lease loss provision to assets | 0.0289% | 3,434 |
| Net operating income to assets | 1.6964% | 663 |
| Return on assets (ROA) | 1.6979% | 706 |
| Pretax return on assets | 1.6979% | 1,195 |
| Return on Equity (ROE) | 14.6040% | 774 |
| Retained earnings to average equity (ytd only) | 0.7634% | 4,467 |
| Net charge-offs to loans | -0.0757% | 4,908 |
| Credit loss provision to net charge-offs | -74.0741% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1896% | 4,592 |
| Assets per employee ($millions) | 8.1826% | 664 |
| Cash dividends to net income (ytd only)* | 94.7726% | 422 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2557% | 2,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 52.1786% | 4,216 |
| Net loans and leases to deposits | 66.8063% | 3,912 |
| Net loans and leases to core deposits | 69.4607% | 3,993 |
| Total domestic deposits to total assets | 78.1043% | 4,342 |
| Equity capital to assets | 11.8781% | 2,218 |
| Core capital (leverage) ratio | 10.9610% | 2,533 |
| Tier 1 risk-based capital ratio | 15.5558% | 2,560 |
| Total risk-based capital ratio | 16.5398% | 2,588 |
| Memoranda: |
| Average total assets | $138,583,600 | 3,457 |
| Average earning assets | $131,165,200 | 3,402 |
| Average equity | $16,112,000 | 3,530 |
| Average total loans | $71,293,400 | 3,753 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6325% | 2,622 |
| Cost of funding earning assets | 0.9768% | 1,862 |
| Net interest margin | 3.6558% | 3,071 |
| Noninterest income to average assets | 0.1319% | 4,871 |
| Noninterest expense to average assets | 1.8586% | 4,750 |
| Loan and lease loss provision to assets | 0.0385% | 3,132 |
| Net operating income to assets | 1.6949% | 752 |
| Return on assets (ROA) | 1.6968% | 788 |
| Pretax return on assets | 1.6968% | 1,340 |
| Return on Equity (ROE) | 14.6745% | 855 |
| Retained earnings to average equity (ytd only) | 0.4081% | 4,686 |
| Net charge-offs to loans | 0.0038% | 3,272 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 898.8539% | 105 |
| Efficiency ratio | 51.7426% | 4,618 |
| Assets per employee ($millions) | 7.5843% | 817 |
| Cash dividends to net income (ytd only)* | 97.2191% | 354 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2163% | 2,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 51.5807% | 4,338 |
| Net loans and leases to deposits | 67.5301% | 3,951 |
| Net loans and leases to core deposits | 70.6537% | 4,021 |
| Total domestic deposits to total assets | 76.3819% | 4,600 |
| Equity capital to assets | 12.1896% | 2,120 |
| Core capital (leverage) ratio | 10.7316% | 2,909 |
| Tier 1 risk-based capital ratio | 15.9708% | 2,438 |
| Total risk-based capital ratio | 16.9247% | 2,507 |
| Memoranda: |
| Average total assets | $138,453,250 | 3,493 |
| Average earning assets | $131,041,000 | 3,442 |
| Average equity | $16,009,250 | 3,575 |
| Average total loans | $70,740,250 | 3,807 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6250% | 2,596 |
| Cost of funding earning assets | 1.0164% | 1,619 |
| Net interest margin | 3.6086% | 3,229 |
| Noninterest income to average assets | 0.1308% | 4,922 |
| Noninterest expense to average assets | 1.7484% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7872% | 614 |
| Return on assets (ROA) | 1.7901% | 633 |
| Pretax return on assets | 1.7901% | 1,057 |
| Return on Equity (ROE) | 15.7608% | 629 |
| Retained earnings to average equity (ytd only) | 2.4686% | 3,952 |
| Net charge-offs to loans | -0.0368% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4510% | 4,815 |
| Assets per employee ($millions) | 8.2839% | 606 |
| Cash dividends to net income (ytd only)* | 84.3373% | 733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1465% | 2,805 |
| Loan loss allowance to noncurrent loans | 21,050.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,812 |
| Noncurrent loans to loans | 0.0054% | 4,709 |
| Net loans and leases to total assets | 51.5516% | 4,384 |
| Net loans and leases to deposits | 73.2536% | 3,573 |
| Net loans and leases to core deposits | 76.8217% | 3,661 |
| Total domestic deposits to total assets | 70.3741% | 5,037 |
| Equity capital to assets | 11.7336% | 2,405 |
| Core capital (leverage) ratio | 10.6487% | 2,939 |
| Tier 1 risk-based capital ratio | 15.5872% | 2,591 |
| Total risk-based capital ratio | 16.4822% | 2,677 |
| Memoranda: |
| Average total assets | $139,098,330 | 3,505 |
| Average earning assets | $131,243,000 | 3,459 |
| Average equity | $15,798,670 | 3,603 |
| Average total loans | $70,559,000 | 3,830 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5499% | 2,697 |
| Cost of funding earning assets | 0.9629% | 1,732 |
| Net interest margin | 3.5870% | 3,300 |
| Noninterest income to average assets | 0.1447% | 4,870 |
| Noninterest expense to average assets | 1.8375% | 4,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6812% | 761 |
| Return on assets (ROA) | 1.6812% | 787 |
| Pretax return on assets | 1.6812% | 1,255 |
| Return on Equity (ROE) | 15.0557% | 737 |
| Retained earnings to average equity (ytd only) | 2.9282% | 3,768 |
| Net charge-offs to loans | -0.0637% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2204% | 4,679 |
| Assets per employee ($millions) | 7.6110% | 773 |
| Cash dividends to net income (ytd only)* | 80.5508% | 926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1895% | 2,637 |
| Loan loss allowance to noncurrent loans | 1,584.9057% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 4,642 |
| Noncurrent loans to loans | 0.0751% | 4,426 |
| Net loans and leases to total assets | 50.9321% | 4,414 |
| Net loans and leases to deposits | 68.0761% | 3,922 |
| Net loans and leases to core deposits | 71.2756% | 3,991 |
| Total domestic deposits to total assets | 74.8164% | 4,873 |
| Equity capital to assets | 11.5593% | 2,344 |
| Core capital (leverage) ratio | 10.8639% | 2,705 |
| Tier 1 risk-based capital ratio | 15.8540% | 2,508 |
| Total risk-based capital ratio | 16.7672% | 2,562 |
| Memoranda: |
| Average total assets | $138,234,500 | 3,556 |
| Average earning assets | $130,024,500 | 3,513 |
| Average equity | $15,436,000 | 3,652 |
| Average total loans | $69,118,500 | 3,882 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3091% | 3,072 |
| Cost of funding earning assets | 0.6081% | 2,660 |
| Net interest margin | 3.7011% | 3,030 |
| Noninterest income to average assets | 0.1594% | 4,923 |
| Noninterest expense to average assets | 1.8106% | 4,994 |
| Loan and lease loss provision to assets | 0.0645% | 2,864 |
| Net operating income to assets | 1.7624% | 599 |
| Return on assets (ROA) | 1.7624% | 598 |
| Pretax return on assets | 1.7638% | 1,017 |
| Return on Equity (ROE) | 16.1017% | 611 |
| Retained earnings to average equity (ytd only) | -1.5467% | 5,105 |
| Net charge-offs to loans | 0.0044% | 3,567 |
| Credit loss provision to net charge-offs | 3,033.3333% | 161 |
| Earnings coverage of net charge-offs (x) | 860.3333% | 124 |
| Efficiency ratio | 49.7567% | 4,958 |
| Assets per employee ($millions) | 8.2042% | 618 |
| Cash dividends to net income (ytd only)* | 109.6061% | 194 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2260% | 2,431 |
| Loan loss allowance to noncurrent loans | 460.5556% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 4,177 |
| Noncurrent loans to loans | 0.2662% | 3,625 |
| Net loans and leases to total assets | 47.8895% | 4,646 |
| Net loans and leases to deposits | 62.8164% | 4,323 |
| Net loans and leases to core deposits | 65.6581% | 4,377 |
| Total domestic deposits to total assets | 76.2374% | 4,727 |
| Equity capital to assets | 10.7807% | 2,900 |
| Core capital (leverage) ratio | 10.4609% | 3,075 |
| Tier 1 risk-based capital ratio | 15.8722% | 2,462 |
| Total risk-based capital ratio | 16.7817% | 2,529 |
| Memoranda: |
| Average total assets | $141,170,800 | 3,486 |
| Average earning assets | $132,718,200 | 3,455 |
| Average equity | $15,451,800 | 3,580 |
| Average total loans | $68,802,600 | 3,893 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2755% | 3,056 |
| Cost of funding earning assets | 0.5419% | 2,918 |
| Net interest margin | 3.7336% | 2,885 |
| Noninterest income to average assets | 0.1657% | 4,957 |
| Noninterest expense to average assets | 1.8211% | 5,016 |
| Loan and lease loss provision to assets | 0.0857% | 2,258 |
| Net operating income to assets | 1.7797% | 623 |
| Return on assets (ROA) | 1.7797% | 627 |
| Pretax return on assets | 1.7816% | 1,055 |
| Return on Equity (ROE) | 16.1994% | 665 |
| Retained earnings to average equity (ytd only) | 1.7399% | 4,659 |
| Net charge-offs to loans | 0.0039% | 3,331 |
| Credit loss provision to net charge-offs | 4,550.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 990.2360% | 86 |
| Efficiency ratio | 49.3745% | 4,977 |
| Assets per employee ($millions) | 8.7093% | 491 |
| Cash dividends to net income (ytd only)* | 89.2593% | 394 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1994% | 2,625 |
| Loan loss allowance to noncurrent loans | 461.1111% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 4,317 |
| Noncurrent loans to loans | 0.2601% | 3,755 |
| Net loans and leases to total assets | 49.0631% | 4,659 |
| Net loans and leases to deposits | 67.0396% | 4,122 |
| Net loans and leases to core deposits | 68.1088% | 4,292 |
| Total domestic deposits to total assets | 73.1853% | 5,045 |
| Equity capital to assets | 10.8268% | 2,820 |
| Core capital (leverage) ratio | 10.8491% | 2,734 |
| Tier 1 risk-based capital ratio | 16.0479% | 2,433 |
| Total risk-based capital ratio | 16.9413% | 2,506 |
| Memoranda: |
| Average total assets | $141,595,750 | 3,519 |
| Average earning assets | $133,594,750 | 3,485 |
| Average equity | $15,555,750 | 3,587 |
| Average total loans | $69,098,000 | 3,927 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1935% | 3,134 |
| Cost of funding earning assets | 0.4937% | 3,051 |
| Net interest margin | 3.6998% | 2,926 |
| Noninterest income to average assets | 0.1672% | 4,991 |
| Noninterest expense to average assets | 1.7535% | 5,146 |
| Loan and lease loss provision to assets | 0.1279% | 1,555 |
| Net operating income to assets | 1.7788% | 610 |
| Return on assets (ROA) | 1.7788% | 613 |
| Pretax return on assets | 1.7816% | 1,004 |
| Return on Equity (ROE) | 16.1151% | 652 |
| Retained earnings to average equity (ytd only) | 4.6970% | 3,235 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8711% | 5,127 |
| Assets per employee ($millions) | 9.0232% | 440 |
| Cash dividends to net income (ytd only)* | 70.8531% | 974 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2376% | 2,507 |
| Loan loss allowance to noncurrent loans | 520.0000% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,399 |
| Noncurrent loans to loans | 0.2380% | 3,856 |
| Net loans and leases to total assets | 49.0558% | 4,656 |
| Net loans and leases to deposits | 62.7906% | 4,372 |
| Net loans and leases to core deposits | 63.7528% | 4,504 |
| Total domestic deposits to total assets | 78.1260% | 4,567 |
| Equity capital to assets | 11.6418% | 2,097 |
| Core capital (leverage) ratio | 11.2137% | 2,335 |
| Tier 1 risk-based capital ratio | 16.5904% | 2,229 |
| Total risk-based capital ratio | 17.5059% | 2,288 |
| Memoranda: |
| Average total assets | $142,344,670 | 3,540 |
| Average earning assets | $134,492,330 | 3,495 |
| Average equity | $15,712,000 | 3,586 |
| Average total loans | $69,064,330 | 3,952 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0718% | 3,333 |
| Cost of funding earning assets | 0.4751% | 3,004 |
| Net interest margin | 3.5967% | 3,194 |
| Noninterest income to average assets | 0.2112% | 4,751 |
| Noninterest expense to average assets | 1.7087% | 5,238 |
| Loan and lease loss provision to assets | 0.2496% | 596 |
| Net operating income to assets | 1.6319% | 795 |
| Return on assets (ROA) | 1.6319% | 796 |
| Pretax return on assets | 1.6374% | 1,278 |
| Return on Equity (ROE) | 15.1694% | 775 |
| Retained earnings to average equity (ytd only) | -6.4502% | 5,264 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5210% | 5,213 |
| Assets per employee ($millions) | 9.0282% | 433 |
| Cash dividends to net income (ytd only)* | 142.5210% | 332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2852% | 2,312 |
| Loan loss allowance to noncurrent loans | 268.3871% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 3,956 |
| Noncurrent loans to loans | 0.4789% | 3,078 |
| Net loans and leases to total assets | 47.1899% | 4,742 |
| Net loans and leases to deposits | 60.8971% | 4,410 |
| Net loans and leases to core deposits | 61.8369% | 4,559 |
| Total domestic deposits to total assets | 77.4913% | 4,803 |
| Equity capital to assets | 11.1606% | 2,418 |
| Core capital (leverage) ratio | 10.2240% | 3,272 |
| Tier 1 risk-based capital ratio | 16.1729% | 2,403 |
| Total risk-based capital ratio | 17.1038% | 2,477 |
| Memoranda: |
| Average total assets | $145,843,000 | 3,519 |
| Average earning assets | $137,235,500 | 3,489 |
| Average equity | $15,689,500 | 3,623 |
| Average total loans | $69,982,500 | 3,968 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9003% | 3,724 |
| Cost of funding earning assets | 0.3878% | 3,356 |
| Net interest margin | 3.5124% | 3,484 |
| Noninterest income to average assets | 0.1437% | 5,226 |
| Noninterest expense to average assets | 1.8941% | 5,120 |
| Loan and lease loss provision to assets | 0.0229% | 3,843 |
| Net operating income to assets | 1.5687% | 694 |
| Return on assets (ROA) | 1.6249% | 639 |
| Pretax return on assets | 1.6262% | 1,223 |
| Return on Equity (ROE) | 15.2637% | 573 |
| Retained earnings to average equity (ytd only) | -2.1849% | 5,297 |
| Net charge-offs to loans | 0.0930% | 2,152 |
| Credit loss provision to net charge-offs | 55.5556% | 3,267 |
| Earnings coverage of net charge-offs (x) | 38.6984% | 1,293 |
| Efficiency ratio | 54.3189% | 4,930 |
| Assets per employee ($millions) | 9.7664% | 347 |
| Cash dividends to net income (ytd only)* | 114.3144% | 238 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9850% | 4,028 |
| Loan loss allowance to noncurrent loans | 180.7317% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 3,836 |
| Noncurrent loans to loans | 0.5450% | 2,867 |
| Net loans and leases to total assets | 47.6671% | 4,793 |
| Net loans and leases to deposits | 71.2669% | 3,765 |
| Net loans and leases to core deposits | 72.5433% | 4,009 |
| Total domestic deposits to total assets | 66.8853% | 5,497 |
| Equity capital to assets | 10.4087% | 3,255 |
| Core capital (leverage) ratio | 9.8300% | 3,660 |
| Tier 1 risk-based capital ratio | 14.5493% | 3,066 |
| Total risk-based capital ratio | 15.2824% | 3,249 |
| Memoranda: |
| Average total assets | $153,057,600 | 3,429 |
| Average earning assets | $145,681,800 | 3,375 |
| Average equity | $16,293,600 | 3,558 |
| Average total loans | $67,765,200 | 4,012 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9025% | 3,671 |
| Cost of funding earning assets | 0.3416% | 3,753 |
| Net interest margin | 3.5609% | 3,288 |
| Noninterest income to average assets | 0.1524% | 5,253 |
| Noninterest expense to average assets | 1.7050% | 5,360 |
| Loan and lease loss provision to assets | 0.0070% | 3,987 |
| Net operating income to assets | 1.8433% | 425 |
| Return on assets (ROA) | 1.9186% | 376 |
| Pretax return on assets | 1.9204% | 652 |
| Return on Equity (ROE) | 17.9210% | 338 |
| Retained earnings to average equity (ytd only) | -4.2124% | 5,527 |
| Net charge-offs to loans | 0.0870% | 1,925 |
| Credit loss provision to net charge-offs | 18.6047% | 3,168 |
| Earnings coverage of net charge-offs (x) | 49.1877% | 1,128 |
| Efficiency ratio | 47.9321% | 5,344 |
| Assets per employee ($millions) | 9.5496% | 364 |
| Cash dividends to net income (ytd only)* | 123.5053% | 161 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1153% | 3,409 |
| Loan loss allowance to noncurrent loans | 179.9020% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 3,928 |
| Noncurrent loans to loans | 0.6199% | 2,853 |
| Net loans and leases to total assets | 45.4330% | 4,966 |
| Net loans and leases to deposits | 60.7192% | 4,595 |
| Net loans and leases to core deposits | 61.9261% | 4,714 |
| Total domestic deposits to total assets | 74.8248% | 5,143 |
| Equity capital to assets | 11.5132% | 2,357 |
| Core capital (leverage) ratio | 10.2655% | 3,238 |
| Tier 1 risk-based capital ratio | 16.3266% | 2,368 |
| Total risk-based capital ratio | 17.1504% | 2,479 |
| Memoranda: |
| Average total assets | $152,256,250 | 3,472 |
| Average earning assets | $145,577,250 | 3,404 |
| Average equity | $16,300,750 | 3,590 |
| Average total loans | $65,899,750 | 4,087 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8485% | 3,724 |
| Cost of funding earning assets | 0.3430% | 3,654 |
| Net interest margin | 3.5055% | 3,377 |
| Noninterest income to average assets | 0.1572% | 5,267 |
| Noninterest expense to average assets | 1.7236% | 5,391 |
| Loan and lease loss provision to assets | 0.0013% | 3,860 |
| Net operating income to assets | 1.7738% | 474 |
| Return on assets (ROA) | 1.8846% | 395 |
| Pretax return on assets | 1.8872% | 680 |
| Return on Equity (ROE) | 18.0206% | 333 |
| Retained earnings to average equity (ytd only) | -8.5361% | 5,623 |
| Net charge-offs to loans | 0.1304% | 1,376 |
| Credit loss provision to net charge-offs | 2.3256% | 2,892 |
| Earnings coverage of net charge-offs (x) | 32.0930% | 1,420 |
| Efficiency ratio | 49.2274% | 5,344 |
| Assets per employee ($millions) | 8.5794% | 491 |
| Cash dividends to net income (ytd only)* | 147.3684% | 169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1044% | 3,561 |
| Loan loss allowance to noncurrent loans | 127.5439% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 3,550 |
| Noncurrent loans to loans | 0.8659% | 2,246 |
| Net loans and leases to total assets | 44.6359% | 5,011 |
| Net loans and leases to deposits | 59.6300% | 4,660 |
| Net loans and leases to core deposits | 60.7926% | 4,781 |
| Total domestic deposits to total assets | 74.8548% | 5,215 |
| Equity capital to assets | 11.3172% | 2,480 |
| Core capital (leverage) ratio | 10.0863% | 3,421 |
| Tier 1 risk-based capital ratio | 16.0154% | 2,501 |
| Total risk-based capital ratio | 16.8257% | 2,607 |
| Memoranda: |
| Average total assets | $155,260,330 | 3,448 |
| Average earning assets | $148,110,330 | 3,394 |
| Average equity | $16,237,000 | 3,613 |
| Average total loans | $65,928,330 | 4,103 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8097% | 3,739 |
| Cost of funding earning assets | 0.3280% | 3,771 |
| Net interest margin | 3.4817% | 3,345 |
| Noninterest income to average assets | 0.1850% | 5,167 |
| Noninterest expense to average assets | 1.6428% | 5,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8554% | 404 |
| Return on assets (ROA) | 2.0704% | 281 |
| Pretax return on assets | 2.0754% | 434 |
| Return on Equity (ROE) | 20.5682% | 207 |
| Retained earnings to average equity (ytd only) | -4.9930% | 5,383 |
| Net charge-offs to loans | 0.0667% | 1,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 67.6364% | 737 |
| Efficiency ratio | 46.8951% | 5,501 |
| Assets per employee ($millions) | 9.5701% | 348 |
| Cash dividends to net income (ytd only)* | 124.2754% | 515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1645% | 3,340 |
| Loan loss allowance to noncurrent loans | 149.2126% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 3,787 |
| Noncurrent loans to loans | 0.7804% | 2,509 |
| Net loans and leases to total assets | 44.8179% | 4,994 |
| Net loans and leases to deposits | 64.0947% | 4,302 |
| Net loans and leases to core deposits | 65.4743% | 4,465 |
| Total domestic deposits to total assets | 69.9245% | 5,634 |
| Equity capital to assets | 11.2419% | 2,392 |
| Core capital (leverage) ratio | 9.1718% | 4,522 |
| Tier 1 risk-based capital ratio | 16.5904% | 2,323 |
| Total risk-based capital ratio | 17.4365% | 2,423 |
| Memoranda: |
| Average total assets | $159,966,000 | 3,433 |
| Average earning assets | $152,454,500 | 3,371 |
| Average equity | $16,102,500 | 3,649 |
| Average total loans | $65,978,500 | 4,131 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4093% | 4,962 |
| Cost of funding earning assets | 0.2614% | 4,448 |
| Net interest margin | 3.1479% | 4,596 |
| Noninterest income to average assets | 0.1152% | 5,601 |
| Noninterest expense to average assets | 1.4505% | 5,746 |
| Loan and lease loss provision to assets | 0.0129% | 4,121 |
| Net operating income to assets | 1.6726% | 584 |
| Return on assets (ROA) | 1.6726% | 608 |
| Pretax return on assets | 1.6736% | 1,067 |
| Return on Equity (ROE) | 16.3929% | 473 |
| Retained earnings to average equity (ytd only) | -19.1040% | 5,854 |
| Net charge-offs to loans | -0.0088% | 4,911 |
| Credit loss provision to net charge-offs | -416.6667% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2383% | 5,632 |
| Assets per employee ($millions) | 12.5986% | 144 |
| Cash dividends to net income (ytd only)* | 216.5386% | 76 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1501% | 3,430 |
| Loan loss allowance to noncurrent loans | 260.6780% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 4,651 |
| Noncurrent loans to loans | 0.4412% | 3,563 |
| Net loans and leases to total assets | 37.4719% | 5,419 |
| Net loans and leases to deposits | 47.2552% | 5,323 |
| Net loans and leases to core deposits | 51.4102% | 5,251 |
| Total domestic deposits to total assets | 79.2970% | 4,721 |
| Equity capital to assets | 9.1093% | 4,695 |
| Core capital (leverage) ratio | 8.5648% | 5,198 |
| Tier 1 risk-based capital ratio | 15.9918% | 2,548 |
| Total risk-based capital ratio | 16.8082% | 2,655 |
| Memoranda: |
| Average total assets | $194,487,400 | 3,016 |
| Average earning assets | $186,695,400 | 2,931 |
| Average equity | $19,844,000 | 3,184 |
| Average total loans | $68,149,000 | 4,087 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3652% | 5,096 |
| Cost of funding earning assets | 0.2400% | 4,702 |
| Net interest margin | 3.1252% | 4,706 |
| Noninterest income to average assets | 0.1179% | 5,648 |
| Noninterest expense to average assets | 1.4203% | 5,812 |
| Loan and lease loss provision to assets | 0.0167% | 3,911 |
| Net operating income to assets | 1.6896% | 603 |
| Return on assets (ROA) | 1.6896% | 645 |
| Pretax return on assets | 1.6910% | 1,137 |
| Return on Equity (ROE) | 16.1754% | 527 |
| Retained earnings to average equity (ytd only) | -22.5314% | 5,924 |
| Net charge-offs to loans | -0.0117% | 4,824 |
| Credit loss provision to net charge-offs | -416.6667% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4059% | 5,694 |
| Assets per employee ($millions) | 12.8459% | 130 |
| Cash dividends to net income (ytd only)* | 239.2945% | 61 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2074% | 3,191 |
| Loan loss allowance to noncurrent loans | 236.6154% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 4,720 |
| Noncurrent loans to loans | 0.5103% | 3,470 |
| Net loans and leases to total assets | 34.9872% | 5,591 |
| Net loans and leases to deposits | 62.1476% | 4,621 |
| Net loans and leases to core deposits | 69.9576% | 4,329 |
| Total domestic deposits to total assets | 56.2969% | 5,912 |
| Equity capital to assets | 10.7538% | 3,306 |
| Core capital (leverage) ratio | 8.5440% | 5,323 |
| Tier 1 risk-based capital ratio | 16.5375% | 2,400 |
| Total risk-based capital ratio | 17.3665% | 2,529 |
| Memoranda: |
| Average total assets | $199,014,250 | 2,974 |
| Average earning assets | $191,683,500 | 2,893 |
| Average equity | $20,788,250 | 3,113 |
| Average total loans | $68,470,750 | 4,110 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3264% | 5,233 |
| Cost of funding earning assets | 0.2191% | 4,945 |
| Net interest margin | 3.1072% | 4,811 |
| Noninterest income to average assets | 0.1178% | 5,714 |
| Noninterest expense to average assets | 1.3388% | 5,929 |
| Loan and lease loss provision to assets | 0.0243% | 3,641 |
| Net operating income to assets | 1.7487% | 523 |
| Return on assets (ROA) | 1.7487% | 556 |
| Pretax return on assets | 1.7507% | 977 |
| Return on Equity (ROE) | 16.8868% | 449 |
| Retained earnings to average equity (ytd only) | -24.7285% | 5,992 |
| Net charge-offs to loans | -0.0171% | 4,883 |
| Credit loss provision to net charge-offs | -416.6667% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9956% | 5,841 |
| Assets per employee ($millions) | 13.1423% | 122 |
| Cash dividends to net income (ytd only)* | 246.4365% | 74 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1494% | 3,650 |
| Loan loss allowance to noncurrent loans | 769.0000% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 5,341 |
| Noncurrent loans to loans | 0.1495% | 4,839 |
| Net loans and leases to total assets | 35.9434% | 5,611 |
| Net loans and leases to deposits | 47.0627% | 5,458 |
| Net loans and leases to core deposits | 51.1790% | 5,393 |
| Total domestic deposits to total assets | 76.3734% | 5,239 |
| Equity capital to assets | 11.3902% | 2,651 |
| Core capital (leverage) ratio | 8.8025% | 5,056 |
| Tier 1 risk-based capital ratio | 16.6308% | 2,380 |
| Total risk-based capital ratio | 17.4191% | 2,512 |
| Memoranda: |
| Average total assets | $205,404,670 | 2,928 |
| Average earning assets | $198,053,330 | 2,845 |
| Average equity | $21,271,000 | 3,071 |
| Average total loans | $70,064,000 | 4,097 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2063% | 5,476 |
| Cost of funding earning assets | 0.1938% | 5,259 |
| Net interest margin | 3.0125% | 5,090 |
| Noninterest income to average assets | 0.1333% | 5,676 |
| Noninterest expense to average assets | 1.1309% | 6,050 |
| Loan and lease loss provision to assets | 0.0463% | 2,990 |
| Net operating income to assets | 1.8583% | 431 |
| Return on assets (ROA) | 1.8583% | 460 |
| Pretax return on assets | 1.8620% | 749 |
| Return on Equity (ROE) | 18.7418% | 309 |
| Retained earnings to average equity (ytd only) | -23.5953% | 5,990 |
| Net charge-offs to loans | -0.0335% | 5,115 |
| Credit loss provision to net charge-offs | -416.6667% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2107% | 6,012 |
| Assets per employee ($millions) | 11.9028% | 158 |
| Cash dividends to net income (ytd only)* | 225.8964% | 202 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1271% | 3,900 |
| Loan loss allowance to noncurrent loans | 569.6296% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 5,309 |
| Noncurrent loans to loans | 0.1979% | 4,708 |
| Net loans and leases to total assets | 35.4235% | 5,659 |
| Net loans and leases to deposits | 47.5061% | 5,442 |
| Net loans and leases to core deposits | 51.4031% | 5,390 |
| Total domestic deposits to total assets | 74.5663% | 5,560 |
| Equity capital to assets | 11.0095% | 2,927 |
| Core capital (leverage) ratio | 8.0821% | 5,732 |
| Tier 1 risk-based capital ratio | 17.8799% | 2,019 |
| Total risk-based capital ratio | 18.6616% | 2,120 |
| Memoranda: |
| Average total assets | $216,111,000 | 2,820 |
| Average earning assets | $208,466,500 | 2,737 |
| Average equity | $21,428,000 | 3,071 |
| Average total loans | $71,645,000 | 4,073 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5815% | 5,971 |
| Cost of funding earning assets | 0.1642% | 5,577 |
| Net interest margin | 2.4173% | 5,884 |
| Noninterest income to average assets | 0.1666% | 5,583 |
| Noninterest expense to average assets | 1.0476% | 6,114 |
| Loan and lease loss provision to assets | 0.0704% | 2,873 |
| Net operating income to assets | 1.3930% | 1,047 |
| Return on assets (ROA) | 1.5253% | 853 |
| Pretax return on assets | 1.5269% | 1,472 |
| Return on Equity (ROE) | 19.0058% | 308 |
| Retained earnings to average equity (ytd only) | 6.7587% | 1,399 |
| Net charge-offs to loans | 0.1012% | 2,400 |
| Credit loss provision to net charge-offs | 264.2857% | 1,094 |
| Earnings coverage of net charge-offs (x) | 55.0143% | 938 |
| Efficiency ratio | 41.6957% | 6,035 |
| Assets per employee ($millions) | 16.1185% | 68 |
| Cash dividends to net income (ytd only)* | 64.4389% | 1,516 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9832% | 4,700 |
| Loan loss allowance to noncurrent loans | 96.2190% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 4,324 |
| Noncurrent loans to loans | 1.0219% | 2,296 |
| Net loans and leases to total assets | 30.7394% | 5,872 |
| Net loans and leases to deposits | 34.4007% | 5,918 |
| Net loans and leases to core deposits | 36.2049% | 5,918 |
| Total domestic deposits to total assets | 89.3568% | 933 |
| Equity capital to assets | 9.0533% | 5,074 |
| Core capital (leverage) ratio | 7.3790% | 5,998 |
| Tier 1 risk-based capital ratio | 16.9832% | 2,292 |
| Total risk-based capital ratio | 17.6480% | 2,485 |
| Memoranda: |
| Average total assets | $262,891,400 | 2,399 |
| Average earning assets | $255,124,600 | 2,304 |
| Average equity | $21,098,800 | 3,060 |
| Average total loans | $69,162,000 | 4,116 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5067% | 6,089 |
| Cost of funding earning assets | 0.1667% | 5,657 |
| Net interest margin | 2.3400% | 6,010 |
| Noninterest income to average assets | 0.1904% | 5,519 |
| Noninterest expense to average assets | 0.9978% | 6,212 |
| Loan and lease loss provision to assets | 0.0920% | 2,330 |
| Net operating income to assets | 1.3737% | 1,166 |
| Return on assets (ROA) | 1.5467% | 896 |
| Pretax return on assets | 1.5487% | 1,540 |
| Return on Equity (ROE) | 19.8452% | 280 |
| Retained earnings to average equity (ytd only) | 3.3618% | 4,079 |
| Net charge-offs to loans | 0.1379% | 1,746 |
| Credit loss provision to net charge-offs | 264.2857% | 1,094 |
| Earnings coverage of net charge-offs (x) | 42.1719% | 1,191 |
| Efficiency ratio | 40.4719% | 6,121 |
| Assets per employee ($millions) | 19.3184% | 51 |
| Cash dividends to net income (ytd only)* | 83.0601% | 669 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0827% | 4,326 |
| Loan loss allowance to noncurrent loans | 730.6931% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 5,635 |
| Noncurrent loans to loans | 0.1482% | 5,050 |
| Net loans and leases to total assets | 24.9293% | 6,075 |
| Net loans and leases to deposits | 27.4601% | 6,108 |
| Net loans and leases to core deposits | 28.7194% | 6,110 |
| Total domestic deposits to total assets | 90.7837% | 312 |
| Equity capital to assets | 7.6637% | 6,046 |
| Core capital (leverage) ratio | 6.4526% | 6,173 |
| Tier 1 risk-based capital ratio | 17.5108% | 2,183 |
| Total risk-based capital ratio | 18.2305% | 2,331 |
| Memoranda: |
| Average total assets | $268,169,750 | 2,371 |
| Average earning assets | $260,737,250 | 2,280 |
| Average equity | $20,901,250 | 3,105 |
| Average total loans | $67,687,750 | 4,187 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4776% | 6,171 |
| Cost of funding earning assets | 0.1641% | 5,744 |
| Net interest margin | 2.3134% | 6,092 |
| Noninterest income to average assets | 0.2289% | 5,328 |
| Noninterest expense to average assets | 1.0516% | 6,282 |
| Loan and lease loss provision to assets | 0.1384% | 1,581 |
| Net operating income to assets | 1.2812% | 1,376 |
| Return on assets (ROA) | 1.5415% | 877 |
| Pretax return on assets | 1.5445% | 1,508 |
| Return on Equity (ROE) | 19.6667% | 290 |
| Retained earnings to average equity (ytd only) | 5.9830% | 2,251 |
| Net charge-offs to loans | 0.2755% | 957 |
| Credit loss provision to net charge-offs | 198.9247% | 1,247 |
| Earnings coverage of net charge-offs (x) | 20.4516% | 1,708 |
| Efficiency ratio | 42.5030% | 6,162 |
| Assets per employee ($millions) | 19.7241% | 49 |
| Cash dividends to net income (ytd only)* | 69.5779% | 1,225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0637% | 4,518 |
| Loan loss allowance to noncurrent loans | 89.5990% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 4,717 |
| Noncurrent loans to loans | 1.1872% | 2,278 |
| Net loans and leases to total assets | 24.0829% | 6,159 |
| Net loans and leases to deposits | 26.5841% | 6,188 |
| Net loans and leases to core deposits | 27.7831% | 6,183 |
| Total domestic deposits to total assets | 90.5913% | 419 |
| Equity capital to assets | 7.3681% | 6,135 |
| Core capital (leverage) ratio | 6.9124% | 6,201 |
| Tier 1 risk-based capital ratio | 17.4717% | 2,231 |
| Total risk-based capital ratio | 18.1636% | 2,393 |
| Memoranda: |
| Average total assets | $267,407,330 | 2,393 |
| Average earning assets | $259,528,670 | 2,301 |
| Average equity | $20,959,330 | 3,113 |
| Average total loans | $67,522,330 | 4,229 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5209% | 6,216 |
| Cost of funding earning assets | 0.1698% | 5,770 |
| Net interest margin | 2.3511% | 6,125 |
| Noninterest income to average assets | 0.3954% | 4,044 |
| Noninterest expense to average assets | 0.9915% | 6,365 |
| Loan and lease loss provision to assets | 0.2813% | 536 |
| Net operating income to assets | 1.3899% | 1,047 |
| Return on assets (ROA) | 1.9191% | 414 |
| Pretax return on assets | 1.9252% | 682 |
| Return on Equity (ROE) | 23.7374% | 132 |
| Retained earnings to average equity (ytd only) | 12.4518% | 510 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1510% | 6,320 |
| Assets per employee ($millions) | 17.3168% | 62 |
| Cash dividends to net income (ytd only)* | 47.5436% | 1,813 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2661% | 3,603 |
| Loan loss allowance to noncurrent loans | 80,800.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,985 |
| Noncurrent loans to loans | 0.0016% | 5,818 |
| Net loans and leases to total assets | 22.7416% | 6,236 |
| Net loans and leases to deposits | 25.2352% | 6,263 |
| Net loans and leases to core deposits | 26.3451% | 6,255 |
| Total domestic deposits to total assets | 90.1187% | 690 |
| Equity capital to assets | 7.8601% | 6,081 |
| Core capital (leverage) ratio | 6.8024% | 6,255 |
| Tier 1 risk-based capital ratio | 19.3625% | 1,776 |
| Total risk-based capital ratio | 20.2274% | 1,836 |
| Memoranda: |
| Average total assets | $263,042,000 | 2,443 |
| Average earning assets | $254,353,000 | 2,354 |
| Average equity | $21,266,000 | 3,105 |
| Average total loans | $67,675,000 | 4,240 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7357% | 6,240 |
| Cost of funding earning assets | 0.2301% | 5,525 |
| Net interest margin | 2.5056% | 6,152 |
| Noninterest income to average assets | 0.0994% | 6,158 |
| Noninterest expense to average assets | 1.0989% | 6,432 |
| Loan and lease loss provision to assets | 0.0755% | 2,967 |
| Net operating income to assets | 1.3322% | 1,227 |
| Return on assets (ROA) | 1.3326% | 1,278 |
| Pretax return on assets | 1.3330% | 2,133 |
| Return on Equity (ROE) | 16.4413% | 558 |
| Retained earnings to average equity (ytd only) | 12.9884% | 224 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8326% | 6,324 |
| Assets per employee ($millions) | 15.5634% | 78 |
| Cash dividends to net income (ytd only)* | 21.0013% | 3,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8709% | 5,562 |
| Loan loss allowance to noncurrent loans | 31,150.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 5,720 |
| Noncurrent loans to loans | 0.0028% | 5,921 |
| Net loans and leases to total assets | 28.4758% | 6,224 |
| Net loans and leases to deposits | 31.8162% | 6,264 |
| Net loans and leases to core deposits | 33.5453% | 6,249 |
| Total domestic deposits to total assets | 89.5010% | 974 |
| Equity capital to assets | 8.3344% | 5,877 |
| Core capital (leverage) ratio | 6.5337% | 6,361 |
| Tier 1 risk-based capital ratio | 16.4493% | 2,735 |
| Total risk-based capital ratio | 17.0373% | 3,017 |
| Memoranda: |
| Average total assets | $238,327,600 | 2,629 |
| Average earning assets | $229,010,200 | 2,529 |
| Average equity | $19,317,200 | 3,249 |
| Average total loans | $63,597,800 | 4,375 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6890% | 6,334 |
| Cost of funding earning assets | 0.2373% | 5,539 |
| Net interest margin | 2.4517% | 6,262 |
| Noninterest income to average assets | 0.1052% | 6,229 |
| Noninterest expense to average assets | 1.0846% | 6,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3816% | 1,171 |
| Return on assets (ROA) | 1.3822% | 1,210 |
| Pretax return on assets | 1.3828% | 2,074 |
| Return on Equity (ROE) | 17.1814% | 530 |
| Retained earnings to average equity (ytd only) | 16.2109% | 159 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9679% | 6,365 |
| Assets per employee ($millions) | 16.7708% | 62 |
| Cash dividends to net income (ytd only)* | 5.6489% | 3,694 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7338% | 6,032 |
| Loan loss allowance to noncurrent loans | 14,766.6667% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 5,852 |
| Noncurrent loans to loans | 0.0050% | 6,026 |
| Net loans and leases to total assets | 23.8232% | 6,390 |
| Net loans and leases to deposits | 26.6223% | 6,417 |
| Net loans and leases to core deposits | 28.0540% | 6,409 |
| Total domestic deposits to total assets | 89.4857% | 986 |
| Equity capital to assets | 8.1296% | 6,058 |
| Core capital (leverage) ratio | 7.0037% | 6,380 |
| Tier 1 risk-based capital ratio | 18.7954% | 1,958 |
| Total risk-based capital ratio | 19.2789% | 2,157 |
| Memoranda: |
| Average total assets | $235,655,750 | 2,666 |
| Average earning assets | $226,991,000 | 2,567 |
| Average equity | $18,958,000 | 3,307 |
| Average total loans | $61,614,250 | 4,477 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6788% | 6,403 |
| Cost of funding earning assets | 0.2500% | 5,485 |
| Net interest margin | 2.4288% | 6,336 |
| Noninterest income to average assets | 0.1103% | 6,243 |
| Noninterest expense to average assets | 1.0957% | 6,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3501% | 1,185 |
| Return on assets (ROA) | 1.3510% | 1,227 |
| Pretax return on assets | 1.3518% | 2,079 |
| Return on Equity (ROE) | 16.8578% | 570 |
| Retained earnings to average equity (ytd only) | 15.3627% | 197 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7835% | 6,395 |
| Assets per employee ($millions) | 17.8526% | 57 |
| Cash dividends to net income (ytd only)* | 8.8689% | 3,489 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7158% | 6,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 5,945 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 24.5855% | 6,436 |
| Net loans and leases to deposits | 27.3455% | 6,469 |
| Net loans and leases to core deposits | 28.8188% | 6,463 |
| Total domestic deposits to total assets | 89.9070% | 855 |
| Equity capital to assets | 7.8668% | 6,228 |
| Core capital (leverage) ratio | 7.3716% | 6,349 |
| Tier 1 risk-based capital ratio | 17.5413% | 2,399 |
| Total risk-based capital ratio | 18.0169% | 2,689 |
| Memoranda: |
| Average total assets | $230,353,670 | 2,725 |
| Average earning assets | $221,588,330 | 2,629 |
| Average equity | $18,460,330 | 3,371 |
| Average total loans | $62,028,000 | 4,483 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7241% | 6,443 |
| Cost of funding earning assets | 0.2838% | 5,233 |
| Net interest margin | 2.4403% | 6,386 |
| Noninterest income to average assets | 0.1215% | 6,241 |
| Noninterest expense to average assets | 1.1044% | 6,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3547% | 1,087 |
| Return on assets (ROA) | 1.3547% | 1,131 |
| Pretax return on assets | 1.3565% | 1,893 |
| Return on Equity (ROE) | 16.7306% | 561 |
| Retained earnings to average equity (ytd only) | 13.6398% | 422 |
| Net charge-offs to loans | -1.4429% | 6,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8784% | 6,464 |
| Assets per employee ($millions) | 15.4383% | 72 |
| Cash dividends to net income (ytd only)* | 18.4739% | 2,557 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0937% | 5,145 |
| Loan loss allowance to noncurrent loans | 9,528.5714% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,995 |
| Noncurrent loans to loans | 0.0115% | 6,139 |
| Net loans and leases to total assets | 26.0481% | 6,469 |
| Net loans and leases to deposits | 29.0729% | 6,494 |
| Net loans and leases to core deposits | 30.7770% | 6,484 |
| Total domestic deposits to total assets | 89.5960% | 1,311 |
| Equity capital to assets | 7.8808% | 6,132 |
| Core capital (leverage) ratio | 7.2012% | 6,425 |
| Tier 1 risk-based capital ratio | 17.8123% | 2,369 |
| Total risk-based capital ratio | 18.5775% | 2,513 |
| Memoranda: |
| Average total assets | $220,562,500 | 2,823 |
| Average earning assets | $211,449,500 | 2,734 |
| Average equity | $17,859,500 | 3,441 |
| Average total loans | $62,096,500 | 4,521 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1835% | 6,154 |
| Cost of funding earning assets | 0.3612% | 5,040 |
| Net interest margin | 2.8224% | 5,943 |
| Noninterest income to average assets | 0.1190% | 6,324 |
| Noninterest expense to average assets | 1.3431% | 6,663 |
| Loan and lease loss provision to assets | 0.0164% | 4,806 |
| Net operating income to assets | 1.4582% | 899 |
| Return on assets (ROA) | 1.5119% | 836 |
| Pretax return on assets | 1.5119% | 1,405 |
| Return on Equity (ROE) | 14.9903% | 770 |
| Retained earnings to average equity (ytd only) | -3.7829% | 6,313 |
| Net charge-offs to loans | 0.0218% | 5,000 |
| Credit loss provision to net charge-offs | 230.7692% | 992 |
| Earnings coverage of net charge-offs (x) | 206.9231% | 219 |
| Efficiency ratio | 47.6654% | 6,498 |
| Assets per employee ($millions) | 13.9700% | 92 |
| Cash dividends to net income (ytd only)* | 125.2357% | 216 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7009% | 6,343 |
| Loan loss allowance to noncurrent loans | 886.0000% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 5,983 |
| Noncurrent loans to loans | 0.0791% | 5,980 |
| Net loans and leases to total assets | 29.9508% | 6,461 |
| Net loans and leases to deposits | 33.8157% | 6,493 |
| Net loans and leases to core deposits | 35.8411% | 6,478 |
| Total domestic deposits to total assets | 88.5707% | 1,875 |
| Equity capital to assets | 8.3364% | 5,751 |
| Core capital (leverage) ratio | 7.3102% | 6,440 |
| Tier 1 risk-based capital ratio | 16.2763% | 2,975 |
| Total risk-based capital ratio | 16.7596% | 3,318 |
| Memoranda: |
| Average total assets | $182,416,000 | 3,246 |
| Average earning assets | $174,428,000 | 3,160 |
| Average equity | $18,398,600 | 3,353 |
| Average total loans | $59,659,800 | 4,620 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2730% | 6,103 |
| Cost of funding earning assets | 0.3795% | 5,002 |
| Net interest margin | 2.8935% | 5,834 |
| Noninterest income to average assets | 0.1184% | 6,421 |
| Noninterest expense to average assets | 1.3649% | 6,710 |
| Loan and lease loss provision to assets | 0.0228% | 4,550 |
| Net operating income to assets | 1.5031% | 891 |
| Return on assets (ROA) | 1.5775% | 831 |
| Pretax return on assets | 1.5775% | 1,396 |
| Return on Equity (ROE) | 14.8709% | 819 |
| Retained earnings to average equity (ytd only) | -9.8471% | 6,635 |
| Net charge-offs to loans | 0.0295% | 4,542 |
| Credit loss provision to net charge-offs | 230.7692% | 1,048 |
| Earnings coverage of net charge-offs (x) | 154.6411% | 361 |
| Efficiency ratio | 47.2164% | 6,540 |
| Assets per employee ($millions) | 12.0929% | 138 |
| Cash dividends to net income (ytd only)* | 166.2174% | 105 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7713% | 6,327 |
| Loan loss allowance to noncurrent loans | 190.1288% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 6,067 |
| Noncurrent loans to loans | 0.4057% | 5,178 |
| Net loans and leases to total assets | 29.4562% | 6,553 |
| Net loans and leases to deposits | 33.6182% | 6,580 |
| Net loans and leases to core deposits | 35.8351% | 6,566 |
| Total domestic deposits to total assets | 87.6198% | 2,350 |
| Equity capital to assets | 8.8280% | 5,386 |
| Core capital (leverage) ratio | 8.6062% | 5,652 |
| Tier 1 risk-based capital ratio | 17.5170% | 2,503 |
| Total risk-based capital ratio | 18.0620% | 2,752 |
| Memoranda: |
| Average total assets | $175,632,500 | 3,354 |
| Average earning assets | $168,281,750 | 3,265 |
| Average equity | $18,631,000 | 3,357 |
| Average total loans | $58,773,500 | 4,689 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4306% | 5,837 |
| Cost of funding earning assets | 0.3986% | 4,962 |
| Net interest margin | 3.0320% | 5,491 |
| Noninterest income to average assets | 0.1261% | 6,424 |
| Noninterest expense to average assets | 1.4510% | 6,705 |
| Loan and lease loss provision to assets | 0.0236% | 4,442 |
| Net operating income to assets | 1.5476% | 823 |
| Return on assets (ROA) | 1.5476% | 891 |
| Pretax return on assets | 1.5476% | 1,491 |
| Return on Equity (ROE) | 13.7145% | 1,068 |
| Retained earnings to average equity (ytd only) | -11.5314% | 6,699 |
| Net charge-offs to loans | 0.0642% | 3,783 |
| Credit loss provision to net charge-offs | 105.2632% | 2,102 |
| Earnings coverage of net charge-offs (x) | 70.1579% | 639 |
| Efficiency ratio | 48.0109% | 6,533 |
| Assets per employee ($millions) | 10.0438% | 219 |
| Cash dividends to net income (ytd only)* | 184.0823% | 116 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7240% | 6,465 |
| Loan loss allowance to noncurrent loans | 179.4118% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 6,052 |
| Noncurrent loans to loans | 0.4035% | 5,256 |
| Net loans and leases to total assets | 36.4343% | 6,274 |
| Net loans and leases to deposits | 55.9543% | 5,349 |
| Net loans and leases to core deposits | 62.9895% | 5,004 |
| Total domestic deposits to total assets | 65.1145% | 6,773 |
| Equity capital to assets | 10.7467% | 3,004 |
| Core capital (leverage) ratio | 8.9644% | 5,055 |
| Tier 1 risk-based capital ratio | 17.1345% | 2,662 |
| Total risk-based capital ratio | 17.6387% | 2,951 |
| Memoranda: |
| Average total assets | $169,681,000 | 3,463 |
| Average earning assets | $162,070,330 | 3,355 |
| Average equity | $19,147,670 | 3,308 |
| Average total loans | $59,219,000 | 4,698 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4002% | 5,942 |
| Cost of funding earning assets | 0.4500% | 4,592 |
| Net interest margin | 2.9502% | 5,707 |
| Noninterest income to average assets | 0.1217% | 6,491 |
| Noninterest expense to average assets | 1.4423% | 6,784 |
| Loan and lease loss provision to assets | 0.0459% | 3,841 |
| Net operating income to assets | 1.4491% | 959 |
| Return on assets (ROA) | 1.4491% | 1,039 |
| Pretax return on assets | 1.4491% | 1,712 |
| Return on Equity (ROE) | 12.5657% | 1,277 |
| Retained earnings to average equity (ytd only) | -9.6781% | 6,600 |
| Net charge-offs to loans | 0.0337% | 3,557 |
| Credit loss provision to net charge-offs | 400.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 130.2000% | 298 |
| Efficiency ratio | 49.1009% | 6,564 |
| Assets per employee ($millions) | 10.2906% | 204 |
| Cash dividends to net income (ytd only)* | 177.0206% | 275 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8319% | 6,401 |
| Loan loss allowance to noncurrent loans | 167.0455% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 6,090 |
| Noncurrent loans to loans | 0.4980% | 5,181 |
| Net loans and leases to total assets | 31.9267% | 6,518 |
| Net loans and leases to deposits | 38.0449% | 6,503 |
| Net loans and leases to core deposits | 41.7689% | 6,409 |
| Total domestic deposits to total assets | 83.9185% | 4,511 |
| Equity capital to assets | 11.9412% | 2,080 |
| Core capital (leverage) ratio | 9.0683% | 4,774 |
| Tier 1 risk-based capital ratio | 18.5104% | 2,190 |
| Total risk-based capital ratio | 19.0500% | 2,409 |
| Memoranda: |
| Average total assets | $174,171,500 | 3,431 |
| Average earning assets | $166,223,500 | 3,340 |
| Average equity | $20,086,500 | 3,238 |
| Average total loans | $59,340,000 | 4,726 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2567% | 6,625 |
| Cost of funding earning assets | 0.3409% | 6,269 |
| Net interest margin | 2.9158% | 6,197 |
| Noninterest income to average assets | 0.2014% | 5,975 |
| Noninterest expense to average assets | 1.3338% | 6,939 |
| Loan and lease loss provision to assets | 0.0105% | 5,790 |
| Net operating income to assets | 1.5849% | 774 |
| Return on assets (ROA) | 1.6785% | 723 |
| Pretax return on assets | 1.6801% | 1,184 |
| Return on Equity (ROE) | 15.1587% | 786 |
| Retained earnings to average equity (ytd only) | -7.9076% | 6,568 |
| Net charge-offs to loans | 0.0770% | 4,903 |
| Credit loss provision to net charge-offs | 46.5116% | 4,772 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 519 |
| Efficiency ratio | 45.5113% | 6,798 |
| Assets per employee ($millions) | 10.2052% | 219 |
| Cash dividends to net income (ytd only)* | 152.1658% | 208 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6487% | 6,702 |
| Loan loss allowance to noncurrent loans | 163.8462% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 6,214 |
| Noncurrent loans to loans | 0.3959% | 5,505 |
| Net loans and leases to total assets | 35.5189% | 6,466 |
| Net loans and leases to deposits | 64.2881% | 4,498 |
| Net loans and leases to core deposits | 65.8047% | 4,757 |
| Total domestic deposits to total assets | 55.2495% | 7,001 |
| Equity capital to assets | 11.1664% | 2,773 |
| Core capital (leverage) ratio | 8.7732% | 5,224 |
| Tier 1 risk-based capital ratio | 15.5314% | 3,403 |
| Total risk-based capital ratio | 15.9547% | 3,847 |
| Memoranda: |
| Average total assets | $191,180,000 | 3,162 |
| Average earning assets | $178,953,200 | 3,106 |
| Average equity | $21,169,400 | 3,076 |
| Average total loans | $55,840,200 | 4,872 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2155% | 6,788 |
| Cost of funding earning assets | 0.3296% | 6,469 |
| Net interest margin | 2.8859% | 6,384 |
| Noninterest income to average assets | 0.1153% | 6,564 |
| Noninterest expense to average assets | 1.3095% | 7,036 |
| Loan and lease loss provision to assets | 0.0138% | 5,637 |
| Net operating income to assets | 1.4870% | 1,040 |
| Return on assets (ROA) | 1.6106% | 913 |
| Pretax return on assets | 1.6127% | 1,531 |
| Return on Equity (ROE) | 14.5744% | 983 |
| Retained earnings to average equity (ytd only) | -14.7993% | 6,903 |
| Net charge-offs to loans | 0.0949% | 4,432 |
| Credit loss provision to net charge-offs | 52.6316% | 4,332 |
| Earnings coverage of net charge-offs (x) | 57.2579% | 681 |
| Efficiency ratio | 46.5619% | 6,794 |
| Assets per employee ($millions) | 10.8047% | 191 |
| Cash dividends to net income (ytd only)* | 201.5435% | 53 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7820% | 6,634 |
| Loan loss allowance to noncurrent loans | 160.8209% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 6,371 |
| Noncurrent loans to loans | 0.4862% | 5,478 |
| Net loans and leases to total assets | 28.1185% | 6,874 |
| Net loans and leases to deposits | 38.6179% | 6,733 |
| Net loans and leases to core deposits | 39.4162% | 6,766 |
| Total domestic deposits to total assets | 72.8122% | 6,692 |
| Equity capital to assets | 10.4024% | 3,957 |
| Core capital (leverage) ratio | 8.2742% | 6,058 |
| Tier 1 risk-based capital ratio | 14.7218% | 4,032 |
| Total risk-based capital ratio | 15.1467% | 4,570 |
| Memoranda: |
| Average total assets | $193,051,500 | 3,174 |
| Average earning assets | $180,414,500 | 3,110 |
| Average equity | $21,333,750 | 3,089 |
| Average total loans | $53,382,250 | 5,016 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1419% | 6,914 |
| Cost of funding earning assets | 0.3204% | 6,644 |
| Net interest margin | 2.8215% | 6,541 |
| Noninterest income to average assets | 0.1163% | 6,608 |
| Noninterest expense to average assets | 1.3449% | 7,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4664% | 1,052 |
| Return on assets (ROA) | 1.5682% | 994 |
| Pretax return on assets | 1.5713% | 1,634 |
| Return on Equity (ROE) | 13.9162% | 1,145 |
| Retained earnings to average equity (ytd only) | -6.3591% | 6,685 |
| Net charge-offs to loans | 0.1364% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 39.3056% | 885 |
| Efficiency ratio | 47.7860% | 6,792 |
| Assets per employee ($millions) | 10.3620% | 211 |
| Cash dividends to net income (ytd only)* | 145.6954% | 183 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7399% | 6,781 |
| Loan loss allowance to noncurrent loans | 151.8382% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 6,423 |
| Noncurrent loans to loans | 0.4873% | 5,555 |
| Net loans and leases to total assets | 29.7052% | 6,877 |
| Net loans and leases to deposits | 36.5784% | 6,856 |
| Net loans and leases to core deposits | 37.6114% | 6,876 |
| Total domestic deposits to total assets | 81.2097% | 5,391 |
| Equity capital to assets | 11.7030% | 2,413 |
| Core capital (leverage) ratio | 8.9698% | 4,955 |
| Tier 1 risk-based capital ratio | 16.6366% | 2,838 |
| Total risk-based capital ratio | 17.0502% | 3,243 |
| Memoranda: |
| Average total assets | $192,574,000 | 3,186 |
| Average earning assets | $184,157,670 | 3,071 |
| Average equity | $21,701,330 | 3,019 |
| Average total loans | $52,804,000 | 5,072 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0965% | 7,002 |
| Cost of funding earning assets | 0.3227% | 6,766 |
| Net interest margin | 2.7738% | 6,675 |
| Noninterest income to average assets | 0.1207% | 6,650 |
| Noninterest expense to average assets | 1.3333% | 7,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4356% | 1,153 |
| Return on assets (ROA) | 1.5971% | 973 |
| Pretax return on assets | 1.6032% | 1,564 |
| Return on Equity (ROE) | 14.4376% | 1,094 |
| Retained earnings to average equity (ytd only) | -16.9886% | 7,008 |
| Net charge-offs to loans | 0.2573% | 2,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 21.3636% | 1,155 |
| Efficiency ratio | 48.0472% | 6,800 |
| Assets per employee ($millions) | 11.6239% | 160 |
| Cash dividends to net income (ytd only)* | 217.6697% | 143 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8443% | 6,653 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,530 |
| Noncurrent loans to loans | 0.5805% | 5,505 |
| Net loans and leases to total assets | 24.7223% | 7,066 |
| Net loans and leases to deposits | 28.8070% | 7,080 |
| Net loans and leases to core deposits | 29.4864% | 7,081 |
| Total domestic deposits to total assets | 85.8203% | 3,630 |
| Equity capital to assets | 10.7410% | 3,222 |
| Core capital (leverage) ratio | 9.0515% | 4,763 |
| Tier 1 risk-based capital ratio | 16.8232% | 2,746 |
| Total risk-based capital ratio | 17.2504% | 3,145 |
| Memoranda: |
| Average total assets | $195,603,000 | 3,162 |
| Average earning assets | $187,182,000 | 3,052 |
| Average equity | $21,638,000 | 3,019 |
| Average total loans | $51,297,000 | 5,169 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0886% | 7,153 |
| Cost of funding earning assets | 0.3161% | 7,079 |
| Net interest margin | 2.7724% | 6,850 |
| Noninterest income to average assets | 0.1043% | 6,623 |
| Noninterest expense to average assets | 1.2545% | 7,253 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5152% | 798 |
| Return on assets (ROA) | 1.5653% | 776 |
| Pretax return on assets | 1.5653% | 1,290 |
| Return on Equity (ROE) | 16.5958% | 522 |
| Retained earnings to average equity (ytd only) | 15.0316% | 128 |
| Net charge-offs to loans | 0.3170% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 17.9128% | 1,244 |
| Efficiency ratio | 45.2947% | 7,079 |
| Assets per employee ($millions) | 12.0999% | 144 |
| Cash dividends to net income (ytd only)* | 9.4251% | 3,876 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8420% | 6,666 |
| Loan loss allowance to noncurrent loans | 137.7301% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 6,528 |
| Noncurrent loans to loans | 0.6113% | 5,490 |
| Net loans and leases to total assets | 27.3121% | 7,082 |
| Net loans and leases to deposits | 32.3602% | 7,088 |
| Net loans and leases to core deposits | 33.3786% | 7,089 |
| Total domestic deposits to total assets | 84.4002% | 4,138 |
| Equity capital to assets | 11.3900% | 2,604 |
| Core capital (leverage) ratio | 8.8805% | 4,977 |
| Tier 1 risk-based capital ratio | 20.7766% | 1,465 |
| Total risk-based capital ratio | 21.3157% | 1,594 |
| Memoranda: |
| Average total assets | $203,341,600 | 3,018 |
| Average earning assets | $195,495,200 | 2,907 |
| Average equity | $19,179,600 | 3,255 |
| Average total loans | $54,260,200 | 5,106 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0411% | 7,252 |
| Cost of funding earning assets | 0.3090% | 7,201 |
| Net interest margin | 2.7321% | 6,961 |
| Noninterest income to average assets | 0.1037% | 6,735 |
| Noninterest expense to average assets | 1.1883% | 7,343 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5447% | 861 |
| Return on assets (ROA) | 1.6108% | 829 |
| Pretax return on assets | 1.6108% | 1,355 |
| Return on Equity (ROE) | 17.9538% | 461 |
| Retained earnings to average equity (ytd only) | 15.7872% | 188 |
| Net charge-offs to loans | 0.0024% | 6,166 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2,389.9173% | 5 |
| Efficiency ratio | 43.4803% | 7,161 |
| Assets per employee ($millions) | 12.9549% | 129 |
| Cash dividends to net income (ytd only)* | 12.0676% | 3,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2953% | 5,033 |
| Loan loss allowance to noncurrent loans | 134.4902% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,503 |
| Noncurrent loans to loans | 0.9631% | 4,958 |
| Net loans and leases to total assets | 22.7925% | 7,248 |
| Net loans and leases to deposits | 26.3758% | 7,262 |
| Net loans and leases to core deposits | 27.1308% | 7,267 |
| Total domestic deposits to total assets | 86.4144% | 2,977 |
| Equity capital to assets | 10.1699% | 4,131 |
| Core capital (leverage) ratio | 7.5584% | 6,731 |
| Tier 1 risk-based capital ratio | 19.9683% | 1,694 |
| Total risk-based capital ratio | 20.7137% | 1,797 |
| Memoranda: |
| Average total assets | $205,777,250 | 3,009 |
| Average earning assets | $198,038,500 | 2,886 |
| Average equity | $18,461,750 | 3,360 |
| Average total loans | $54,494,000 | 5,137 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0498% | 7,327 |
| Cost of funding earning assets | 0.3040% | 7,301 |
| Net interest margin | 2.7459% | 6,977 |
| Noninterest income to average assets | 0.1062% | 6,799 |
| Noninterest expense to average assets | 1.2140% | 7,420 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5326% | 831 |
| Return on assets (ROA) | 1.5676% | 830 |
| Pretax return on assets | 1.5676% | 1,337 |
| Return on Equity (ROE) | 18.2955% | 441 |
| Retained earnings to average equity (ytd only) | 18.2955% | 131 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2001% | 7,227 |
| Assets per employee ($millions) | 13.8643% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0924% | 5,990 |
| Loan loss allowance to noncurrent loans | 138.9262% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 6,628 |
| Noncurrent loans to loans | 0.7863% | 5,341 |
| Net loans and leases to total assets | 23.8565% | 7,318 |
| Net loans and leases to deposits | 26.7670% | 7,345 |
| Net loans and leases to core deposits | 27.4900% | 7,352 |
| Total domestic deposits to total assets | 89.1265% | 1,463 |
| Equity capital to assets | 8.2438% | 6,477 |
| Core capital (leverage) ratio | 8.5320% | 5,503 |
| Tier 1 risk-based capital ratio | 16.5794% | 2,704 |
| Total risk-based capital ratio | 17.2217% | 2,956 |
| Memoranda: |
| Average total assets | $205,276,670 | 3,031 |
| Average earning assets | $197,388,000 | 2,909 |
| Average equity | $17,589,000 | 3,477 |
| Average total loans | $56,704,000 | 5,094 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2506% | 7,323 |
| Cost of funding earning assets | 0.3077% | 7,377 |
| Net interest margin | 2.9429% | 6,687 |
| Noninterest income to average assets | 0.1284% | 6,778 |
| Noninterest expense to average assets | 1.3090% | 7,453 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6373% | 637 |
| Return on assets (ROA) | 1.6478% | 664 |
| Pretax return on assets | 1.6478% | 1,086 |
| Return on Equity (ROE) | 18.7899% | 412 |
| Retained earnings to average equity (ytd only) | 18.7899% | 202 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4286% | 7,269 |
| Assets per employee ($millions) | 11.3539% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1351% | 5,909 |
| Loan loss allowance to noncurrent loans | 6,900.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 7,192 |
| Noncurrent loans to loans | 0.0165% | 7,027 |
| Net loans and leases to total assets | 28.0225% | 7,295 |
| Net loans and leases to deposits | 31.8515% | 7,325 |
| Net loans and leases to core deposits | 32.8218% | 7,333 |
| Total domestic deposits to total assets | 87.9787% | 2,384 |
| Equity capital to assets | 9.0469% | 5,129 |
| Core capital (leverage) ratio | 8.0150% | 6,234 |
| Tier 1 risk-based capital ratio | 17.1647% | 2,415 |
| Total risk-based capital ratio | 17.8657% | 2,592 |
| Memoranda: |
| Average total assets | $190,068,500 | 3,249 |
| Average earning assets | $181,995,000 | 3,116 |
| Average equity | $16,668,500 | 3,613 |
| Average total loans | $56,631,500 | 5,149 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6907% | 7,309 |
| Cost of funding earning assets | 0.4300% | 7,399 |
| Net interest margin | 3.2606% | 6,102 |
| Noninterest income to average assets | 0.1306% | 6,742 |
| Noninterest expense to average assets | 1.4324% | 7,469 |
| Loan and lease loss provision to assets | 0.2724% | 4,626 |
| Net operating income to assets | 1.3948% | 961 |
| Return on assets (ROA) | 1.3887% | 1,044 |
| Pretax return on assets | 1.3898% | 1,687 |
| Return on Equity (ROE) | 15.5224% | 640 |
| Retained earnings to average equity (ytd only) | 8.9326% | 725 |
| Net charge-offs to loans | 0.4228% | 3,929 |
| Credit loss provision to net charge-offs | 212.2271% | 1,441 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,451 |
| Efficiency ratio | 46.1956% | 7,342 |
| Assets per employee ($millions) | 11.6951% | 170 |
| Cash dividends to net income (ytd only)* | 42.4536% | 2,472 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0606% | 6,105 |
| Loan loss allowance to noncurrent loans | 6,210.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 7,254 |
| Noncurrent loans to loans | 0.0171% | 7,106 |
| Net loans and leases to total assets | 30.9602% | 7,321 |
| Net loans and leases to deposits | 37.4459% | 7,317 |
| Net loans and leases to core deposits | 38.7009% | 7,333 |
| Total domestic deposits to total assets | 82.6797% | 4,931 |
| Equity capital to assets | 8.4838% | 5,875 |
| Core capital (leverage) ratio | 8.1745% | 5,867 |
| Tier 1 risk-based capital ratio | 15.7762% | 2,853 |
| Total risk-based capital ratio | 16.4555% | 3,098 |
| Memoranda: |
| Average total assets | $178,443,600 | 3,405 |
| Average earning assets | $162,545,600 | 3,401 |
| Average equity | $15,964,000 | 3,774 |
| Average total loans | $54,161,400 | 5,310 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8342% | 7,381 |
| Cost of funding earning assets | 0.4310% | 7,537 |
| Net interest margin | 3.4032% | 5,671 |
| Noninterest income to average assets | 0.1089% | 7,006 |
| Noninterest expense to average assets | 1.4901% | 7,553 |
| Loan and lease loss provision to assets | 0.3676% | 3,696 |
| Net operating income to assets | 1.3153% | 1,310 |
| Return on assets (ROA) | 1.3290% | 1,360 |
| Pretax return on assets | 1.3290% | 2,094 |
| Return on Equity (ROE) | 14.6539% | 920 |
| Retained earnings to average equity (ytd only) | 5.8799% | 2,425 |
| Net charge-offs to loans | 0.5754% | 3,022 |
| Credit loss provision to net charge-offs | 212.2271% | 1,654 |
| Earnings coverage of net charge-offs (x) | 9.7160% | 1,980 |
| Efficiency ratio | 46.9607% | 7,335 |
| Assets per employee ($millions) | 10.6634% | 223 |
| Cash dividends to net income (ytd only)* | 59.8747% | 1,250 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1694% | 5,628 |
| Loan loss allowance to noncurrent loans | 5,175.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 7,354 |
| Noncurrent loans to loans | 0.0226% | 7,203 |
| Net loans and leases to total assets | 28.9518% | 7,490 |
| Net loans and leases to deposits | 36.0411% | 7,473 |
| Net loans and leases to core deposits | 38.0000% | 7,456 |
| Total domestic deposits to total assets | 80.3301% | 5,603 |
| Equity capital to assets | 9.5020% | 4,839 |
| Core capital (leverage) ratio | 7.4024% | 6,938 |
| Tier 1 risk-based capital ratio | 15.6738% | 2,915 |
| Total risk-based capital ratio | 16.3843% | 3,169 |
| Memoranda: |
| Average total assets | $176,274,250 | 3,478 |
| Average earning assets | $158,709,000 | 3,521 |
| Average equity | $15,986,250 | 3,810 |
| Average total loans | $53,063,250 | 5,436 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9581% | 7,394 |
| Cost of funding earning assets | 0.4415% | 7,621 |
| Net interest margin | 3.5166% | 5,181 |
| Noninterest income to average assets | 0.1123% | 7,042 |
| Noninterest expense to average assets | 1.4971% | 7,616 |
| Loan and lease loss provision to assets | 0.0229% | 6,708 |
| Net operating income to assets | 1.7033% | 582 |
| Return on assets (ROA) | 1.7033% | 633 |
| Pretax return on assets | 1.7033% | 1,050 |
| Return on Equity (ROE) | 19.0968% | 381 |
| Retained earnings to average equity (ytd only) | 5.5865% | 2,563 |
| Net charge-offs to loans | 0.0189% | 6,079 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 301.4000% | 111 |
| Efficiency ratio | 46.4463% | 7,419 |
| Assets per employee ($millions) | 10.6745% | 212 |
| Cash dividends to net income (ytd only)* | 70.7465% | 1,007 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7264% | 7,194 |
| Loan loss allowance to noncurrent loans | 2,707.1429% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,400 |
| Noncurrent loans to loans | 0.0268% | 7,255 |
| Net loans and leases to total assets | 28.5420% | 7,570 |
| Net loans and leases to deposits | 32.0783% | 7,611 |
| Net loans and leases to core deposits | 33.3595% | 7,616 |
| Total domestic deposits to total assets | 88.9759% | 1,456 |
| Equity capital to assets | 8.6782% | 5,911 |
| Core capital (leverage) ratio | 7.8252% | 6,470 |
| Tier 1 risk-based capital ratio | 15.4809% | 2,903 |
| Total risk-based capital ratio | 15.9178% | 3,319 |
| Memoranda: |
| Average total assets | $174,606,670 | 3,528 |
| Average earning assets | $154,468,330 | 3,630 |
| Average equity | $15,573,330 | 3,878 |
| Average total loans | $53,049,670 | 5,465 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2183% | 7,238 |
| Cost of funding earning assets | 0.4827% | 7,698 |
| Net interest margin | 3.7356% | 4,077 |
| Noninterest income to average assets | 0.1145% | 7,118 |
| Noninterest expense to average assets | 1.5376% | 7,696 |
| Loan and lease loss provision to assets | 0.0467% | 6,197 |
| Net operating income to assets | 1.7128% | 601 |
| Return on assets (ROA) | 1.7128% | 655 |
| Pretax return on assets | 1.7128% | 1,038 |
| Return on Equity (ROE) | 18.9332% | 443 |
| Retained earnings to average equity (ytd only) | 12.4241% | 692 |
| Net charge-offs to loans | 0.0374% | 5,054 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 150.6000% | 219 |
| Efficiency ratio | 46.6336% | 7,515 |
| Assets per employee ($millions) | 9.3565% | 318 |
| Cash dividends to net income (ytd only)* | 34.3793% | 1,916 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7268% | 7,296 |
| Loan loss allowance to noncurrent loans | 2,105.5556% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,470 |
| Noncurrent loans to loans | 0.0345% | 7,328 |
| Net loans and leases to total assets | 32.5435% | 7,550 |
| Net loans and leases to deposits | 37.4871% | 7,592 |
| Net loans and leases to core deposits | 38.9534% | 7,604 |
| Total domestic deposits to total assets | 86.8126% | 2,730 |
| Equity capital to assets | 9.8849% | 4,013 |
| Core capital (leverage) ratio | 8.3261% | 5,696 |
| Tier 1 risk-based capital ratio | 16.4199% | 2,483 |
| Total risk-based capital ratio | 16.8817% | 2,764 |
| Memoranda: |
| Average total assets | $171,177,000 | 3,637 |
| Average earning assets | $145,841,000 | 3,837 |
| Average equity | $15,486,000 | 3,924 |
| Average total loans | $53,488,000 | 5,517 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6413% | 7,221 |
| Cost of funding earning assets | 0.4952% | 7,835 |
| Net interest margin | 4.1461% | 2,262 |
| Noninterest income to average assets | 0.1370% | 7,067 |
| Noninterest expense to average assets | 1.6570% | 7,738 |
| Loan and lease loss provision to assets | 0.0408% | 7,138 |
| Net operating income to assets | 2.1358% | 171 |
| Return on assets (ROA) | 2.7585% | 71 |
| Pretax return on assets | 2.7603% | 116 |
| Return on Equity (ROE) | 29.7724% | 51 |
| Retained earnings to average equity (ytd only) | 11.9090% | 214 |
| Net charge-offs to loans | -0.0022% | 7,695 |
| Credit loss provision to net charge-offs | -6,500.0000% | 7,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2012% | 7,799 |
| Assets per employee ($millions) | 10.7819% | 219 |
| Cash dividends to net income (ytd only)* | 60.0000% | 2,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6638% | 7,449 |
| Loan loss allowance to noncurrent loans | 2,141.1765% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 7,508 |
| Noncurrent loans to loans | 0.0310% | 7,353 |
| Net loans and leases to total assets | 29.7169% | 7,715 |
| Net loans and leases to deposits | 33.1883% | 7,774 |
| Net loans and leases to core deposits | 34.9597% | 7,826 |
| Total domestic deposits to total assets | 89.5402% | 1,190 |
| Equity capital to assets | 8.3195% | 6,172 |
| Core capital (leverage) ratio | 8.0242% | 6,134 |
| Tier 1 risk-based capital ratio | 14.5604% | 3,169 |
| Total risk-based capital ratio | 14.9682% | 3,614 |
| Memoranda: |
| Average total assets | $159,146,600 | 3,786 |
| Average earning assets | $141,963,800 | 3,858 |
| Average equity | $14,745,200 | 4,111 |
| Average total loans | $45,002,400 | 5,872 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7945% | 7,131 |
| Cost of funding earning assets | 0.5161% | 7,932 |
| Net interest margin | 4.2784% | 1,786 |
| Noninterest income to average assets | 0.1419% | 7,163 |
| Noninterest expense to average assets | 1.7085% | 7,758 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.3721% | 131 |
| Return on assets (ROA) | 2.9747% | 68 |
| Pretax return on assets | 2.9773% | 109 |
| Return on Equity (ROE) | 31.1545% | 50 |
| Retained earnings to average equity (ytd only) | 21.3321% | 51 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8426% | 7,890 |
| Assets per employee ($millions) | 9.0013% | 370 |
| Cash dividends to net income (ytd only)* | 31.5280% | 2,821 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6077% | 7,568 |
| Loan loss allowance to noncurrent loans | 402.7027% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 7,447 |
| Noncurrent loans to loans | 0.1509% | 7,103 |
| Net loans and leases to total assets | 31.8523% | 7,757 |
| Net loans and leases to deposits | 43.9124% | 7,621 |
| Net loans and leases to core deposits | 47.3687% | 7,747 |
| Total domestic deposits to total assets | 72.5360% | 7,142 |
| Equity capital to assets | 11.1624% | 2,864 |
| Core capital (leverage) ratio | 8.0940% | 6,189 |
| Tier 1 risk-based capital ratio | 17.2748% | 2,193 |
| Total risk-based capital ratio | 17.6539% | 2,410 |
| Memoranda: |
| Average total assets | $153,110,000 | 3,929 |
| Average earning assets | $141,047,000 | 3,907 |
| Average equity | $14,619,250 | 4,162 |
| Average total loans | $42,544,750 | 6,043 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7783% | 7,265 |
| Cost of funding earning assets | 0.5092% | 8,040 |
| Net interest margin | 4.2691% | 1,753 |
| Noninterest income to average assets | 0.1371% | 7,273 |
| Noninterest expense to average assets | 1.5659% | 7,935 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.5088% | 107 |
| Return on assets (ROA) | 2.5650% | 110 |
| Pretax return on assets | 2.5689% | 183 |
| Return on Equity (ROE) | 28.4665% | 86 |
| Retained earnings to average equity (ytd only) | 17.4944% | 120 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3926% | 8,045 |
| Assets per employee ($millions) | 9.4006% | 308 |
| Cash dividends to net income (ytd only)* | 38.5438% | 2,496 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7346% | 7,346 |
| Loan loss allowance to noncurrent loans | 3,311.1111% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,638 |
| Noncurrent loans to loans | 0.0222% | 7,486 |
| Net loans and leases to total assets | 25.1993% | 7,975 |
| Net loans and leases to deposits | 33.0844% | 7,952 |
| Net loans and leases to core deposits | 34.9632% | 7,994 |
| Total domestic deposits to total assets | 76.1667% | 6,515 |
| Equity capital to assets | 9.0777% | 5,202 |
| Core capital (leverage) ratio | 7.6746% | 6,793 |
| Tier 1 risk-based capital ratio | 16.9717% | 2,314 |
| Total risk-based capital ratio | 17.3780% | 2,528 |
| Memoranda: |
| Average total assets | $153,139,330 | 3,945 |
| Average earning assets | $141,389,670 | 3,916 |
| Average equity | $13,798,670 | 4,352 |
| Average total loans | $40,380,000 | 6,189 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8955% | 7,189 |
| Cost of funding earning assets | 0.5251% | 8,088 |
| Net interest margin | 4.3704% | 1,423 |
| Noninterest income to average assets | 0.1442% | 7,263 |
| Noninterest expense to average assets | 1.5033% | 7,984 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.6354% | 103 |
| Return on assets (ROA) | 2.6408% | 127 |
| Pretax return on assets | 2.6461% | 195 |
| Return on Equity (ROE) | 29.4247% | 107 |
| Retained earnings to average equity (ytd only) | 26.9255% | 67 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2758% | 8,106 |
| Assets per employee ($millions) | 9.4711% | 312 |
| Cash dividends to net income (ytd only)* | 8.4934% | 2,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7580% | 7,287 |
| Loan loss allowance to noncurrent loans | 1,568.4211% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 7,601 |
| Noncurrent loans to loans | 0.0483% | 7,401 |
| Net loans and leases to total assets | 25.7473% | 8,006 |
| Net loans and leases to deposits | 39.5858% | 7,850 |
| Net loans and leases to core deposits | 42.3476% | 7,932 |
| Total domestic deposits to total assets | 65.0418% | 7,788 |
| Equity capital to assets | 9.3838% | 4,828 |
| Core capital (leverage) ratio | 7.7921% | 6,757 |
| Tier 1 risk-based capital ratio | 17.5773% | 2,166 |
| Total risk-based capital ratio | 18.0087% | 2,348 |
| Memoranda: |
| Average total assets | $149,804,000 | 4,015 |
| Average earning assets | $137,105,500 | 4,014 |
| Average equity | $13,444,500 | 4,466 |
| Average total loans | $40,285,500 | 6,225 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8868% | 7,907 |
| Cost of funding earning assets | 1.2703% | 7,871 |
| Net interest margin | 3.6164% | 4,810 |
| Noninterest income to average assets | 0.1619% | 7,265 |
| Noninterest expense to average assets | 1.3902% | 8,082 |
| Loan and lease loss provision to assets | 0.0131% | 7,204 |
| Net operating income to assets | 2.1209% | 280 |
| Return on assets (ROA) | 2.1561% | 254 |
| Pretax return on assets | 2.1568% | 434 |
| Return on Equity (ROE) | 31.6751% | 46 |
| Retained earnings to average equity (ytd only) | 25.6317% | 14 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4405% | 8,141 |
| Assets per employee ($millions) | 9.2544% | 326 |
| Cash dividends to net income (ytd only)* | 19.0793% | 4,480 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7223% | 7,368 |
| Loan loss allowance to noncurrent loans | 532.1429% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 7,438 |
| Noncurrent loans to loans | 0.1357% | 7,008 |
| Net loans and leases to total assets | 27.6612% | 8,044 |
| Net loans and leases to deposits | 37.9156% | 7,976 |
| Net loans and leases to core deposits | 39.3774% | 8,061 |
| Total domestic deposits to total assets | 72.9547% | 6,839 |
| Equity capital to assets | 8.5561% | 6,000 |
| Core capital (leverage) ratio | 7.9439% | 6,582 |
| Tier 1 risk-based capital ratio | 15.9355% | 2,691 |
| Total risk-based capital ratio | 16.3580% | 2,918 |
| Memoranda: |
| Average total assets | $153,144,400 | 3,840 |
| Average earning assets | $142,405,200 | 3,801 |
| Average equity | $10,424,600 | 5,288 |
| Average total loans | $37,769,000 | 6,279 |
