| 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 | 4.7605% | 2,556 |
| Cost of funding earning assets | 1.2330% | 2,718 |
| Net interest margin | 3.5274% | 2,127 |
| Noninterest income to average assets | 1.0600% | 582 |
| Noninterest expense to average assets | 2.4923% | 2,317 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 1.9966% | 470 |
| Return on assets (ROA) | 1.9966% | 453 |
| Pretax return on assets | 1.9966% | 682 |
| Return on Equity (ROE) | 18.3600% | 772 |
| Retained earnings to average equity (ytd only) | 4.0512% | 2,942 |
| Net charge-offs to loans | -0.0072% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.8353% | 3,515 |
| Assets per employee ($millions) | 7.1838% | 1,952 |
| Cash dividends to net income (ytd only)* | 77.9356% | 629 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8264% | 518 |
| Loan loss allowance to noncurrent loans | 2,920.5298% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,513 |
| Noncurrent loans to loans | 0.0625% | 3,264 |
| Net loans and leases to total assets | 41.2500% | 3,991 |
| Net loans and leases to deposits | 46.4531% | 4,032 |
| Net loans and leases to core deposits | 47.8825% | 4,124 |
| Total domestic deposits to total assets | 88.7900% | 1,125 |
| Equity capital to assets | 10.8989% | 1,523 |
| Core capital (leverage) ratio | 10.8663% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3257% | 329 |
| Memoranda: |
| Average total assets | $578,389,400 | 1,529 |
| Average earning assets | $558,535,000 | 1,472 |
| Average equity | $62,894,400 | 1,346 |
| Average total loans | $220,703,600 | 2,158 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6280% | 2,612 |
| Cost of funding earning assets | 1.0836% | 2,790 |
| Net interest margin | 3.5444% | 2,121 |
| Noninterest income to average assets | 1.0600% | 588 |
| Noninterest expense to average assets | 2.4852% | 2,280 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 2.0152% | 492 |
| Return on assets (ROA) | 2.0152% | 481 |
| Pretax return on assets | 2.0152% | 740 |
| Return on Equity (ROE) | 18.5400% | 871 |
| Retained earnings to average equity (ytd only) | 10.0719% | 1,381 |
| Net charge-offs to loans | -0.0093% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.4540% | 3,447 |
| Assets per employee ($millions) | 6.8244% | 2,090 |
| Cash dividends to net income (ytd only)* | 45.6830% | 1,428 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9637% | 420 |
| Loan loss allowance to noncurrent loans | 3,744.1667% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,611 |
| Noncurrent loans to loans | 0.0524% | 3,379 |
| Net loans and leases to total assets | 39.6000% | 4,073 |
| Net loans and leases to deposits | 44.9231% | 4,081 |
| Net loans and leases to core deposits | 46.2397% | 4,122 |
| Total domestic deposits to total assets | 88.1500% | 1,516 |
| Equity capital to assets | 11.4413% | 1,203 |
| Core capital (leverage) ratio | 11.1861% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9743% | 296 |
| Memoranda: |
| Average total assets | $579,311,250 | 1,530 |
| Average earning assets | $559,588,250 | 1,467 |
| Average equity | $62,959,000 | 1,340 |
| Average total loans | $215,513,750 | 2,191 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4655% | 2,731 |
| Cost of funding earning assets | 0.8864% | 2,970 |
| Net interest margin | 3.5791% | 2,081 |
| Noninterest income to average assets | 1.0500% | 525 |
| Noninterest expense to average assets | 2.4328% | 2,396 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 2.0963% | 406 |
| Return on assets (ROA) | 2.0963% | 401 |
| Pretax return on assets | 2.0963% | 633 |
| Return on Equity (ROE) | 19.6200% | 751 |
| Retained earnings to average equity (ytd only) | 13.2076% | 775 |
| Net charge-offs to loans | -0.0152% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.9274% | 3,618 |
| Assets per employee ($millions) | 6.6832% | 2,146 |
| Cash dividends to net income (ytd only)* | 32.6958% | 1,998 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0356% | 393 |
| Loan loss allowance to noncurrent loans | 3,715.0000% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,612 |
| Noncurrent loans to loans | 0.0548% | 3,309 |
| Net loans and leases to total assets | 37.7700% | 4,125 |
| Net loans and leases to deposits | 42.7338% | 4,141 |
| Net loans and leases to core deposits | 43.9603% | 4,178 |
| Total domestic deposits to total assets | 88.3800% | 1,466 |
| Equity capital to assets | 11.2881% | 1,277 |
| Core capital (leverage) ratio | 11.0400% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6974% | 302 |
| Memoranda: |
| Average total assets | $583,605,333 | 1,519 |
| Average earning assets | $564,103,000 | 1,453 |
| Average equity | $62,343,000 | 1,347 |
| Average total loans | $211,085,333 | 2,215 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2298% | 2,980 |
| Cost of funding earning assets | 0.6873% | 3,091 |
| Net interest margin | 3.5425% | 2,258 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 2.3579% | 2,645 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 2.0853% | 441 |
| Return on assets (ROA) | 2.0853% | 434 |
| Pretax return on assets | 2.0853% | 673 |
| Return on Equity (ROE) | 20.0700% | 756 |
| Retained earnings to average equity (ytd only) | 20.0675% | 375 |
| Net charge-offs to loans | -0.0058% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.2865% | 3,677 |
| Assets per employee ($millions) | 7.4564% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1246% | 364 |
| Loan loss allowance to noncurrent loans | 55,750.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,918 |
| Noncurrent loans to loans | 0.0038% | 3,827 |
| Net loans and leases to total assets | 34.4400% | 4,252 |
| Net loans and leases to deposits | 38.6456% | 4,262 |
| Net loans and leases to core deposits | 39.7395% | 4,278 |
| Total domestic deposits to total assets | 89.1300% | 1,499 |
| Equity capital to assets | 10.5696% | 1,535 |
| Core capital (leverage) ratio | 10.6572% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3359% | 337 |
| Memoranda: |
| Average total assets | $591,373,500 | 1,516 |
| Average earning assets | $572,134,000 | 1,461 |
| Average equity | $61,452,500 | 1,372 |
| Average total loans | $207,125,500 | 2,254 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6513% | 4,436 |
| Cost of funding earning assets | 0.2017% | 3,748 |
| Net interest margin | 2.4496% | 4,323 |
| Noninterest income to average assets | 1.0900% | 554 |
| Noninterest expense to average assets | 2.2024% | 3,021 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.2759% | 1,514 |
| Return on assets (ROA) | 1.2759% | 1,469 |
| Pretax return on assets | 1.2759% | 2,179 |
| Return on Equity (ROE) | 14.2900% | 1,466 |
| Retained earnings to average equity (ytd only) | 9.9141% | 1,183 |
| Net charge-offs to loans | -0.1183% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6671% | 2,541 |
| Assets per employee ($millions) | 7.3280% | 1,736 |
| Cash dividends to net income (ytd only)* | 30.6035% | 2,403 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3717% | 243 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 34.0300% | 4,283 |
| Net loans and leases to deposits | 37.9947% | 4,292 |
| Net loans and leases to core deposits | 38.7765% | 4,311 |
| Total domestic deposits to total assets | 89.5600% | 1,532 |
| Equity capital to assets | 10.2102% | 1,606 |
| Core capital (leverage) ratio | 9.7889% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0028% | 420 |
| Memoranda: |
| Average total assets | $640,243,000 | 1,407 |
| Average earning assets | $618,757,400 | 1,357 |
| Average equity | $57,181,000 | 1,457 |
| Average total loans | $197,834,600 | 2,242 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3525% | 4,519 |
| Cost of funding earning assets | 0.1716% | 3,604 |
| Net interest margin | 2.1809% | 4,474 |
| Noninterest income to average assets | 1.1400% | 542 |
| Noninterest expense to average assets | 2.1767% | 2,989 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.0913% | 2,139 |
| Return on assets (ROA) | 1.0913% | 2,103 |
| Pretax return on assets | 1.0913% | 2,753 |
| Return on Equity (ROE) | 12.6200% | 1,833 |
| Retained earnings to average equity (ytd only) | 12.6247% | 673 |
| Net charge-offs to loans | -0.1644% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.1216% | 2,144 |
| Assets per employee ($millions) | 7.7407% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5981% | 210 |
| Loan loss allowance to noncurrent loans | 1,667.6976% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,438 |
| Noncurrent loans to loans | 0.1558% | 2,831 |
| Net loans and leases to total assets | 29.0200% | 4,445 |
| Net loans and leases to deposits | 32.1688% | 4,462 |
| Net loans and leases to core deposits | 32.8346% | 4,469 |
| Total domestic deposits to total assets | 90.2000% | 1,567 |
| Equity capital to assets | 9.4739% | 1,900 |
| Core capital (leverage) ratio | 9.1409% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3683% | 333 |
| Memoranda: |
| Average total assets | $653,744,750 | 1,379 |
| Average earning assets | $631,640,250 | 1,337 |
| Average equity | $56,512,250 | 1,488 |
| Average total loans | $196,211,250 | 2,256 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1437% | 4,591 |
| Cost of funding earning assets | 0.1585% | 3,472 |
| Net interest margin | 1.9851% | 4,568 |
| Noninterest income to average assets | 1.1004% | 553 |
| Noninterest expense to average assets | 2.1251% | 3,083 |
| Loan and lease loss provision to assets | -0.0241% | 4,446 |
| Net operating income to assets | 0.9154% | 2,518 |
| Return on assets (ROA) | 0.9154% | 2,485 |
| Pretax return on assets | 0.9154% | 3,010 |
| Return on Equity (ROE) | 10.9200% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.9200% | 794 |
| Net charge-offs to loans | -0.2488% | 4,622 |
| Credit loss provision to net charge-offs | 32.2581% | 1,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4523% | 1,894 |
| Assets per employee ($millions) | 7.8112% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6021% | 222 |
| Loan loss allowance to noncurrent loans | 2,970.9091% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,754 |
| Noncurrent loans to loans | 0.0876% | 3,338 |
| Net loans and leases to total assets | 26.6934% | 4,547 |
| Net loans and leases to deposits | 29.1952% | 4,565 |
| Net loans and leases to core deposits | 29.7626% | 4,573 |
| Total domestic deposits to total assets | 91.4306% | 1,047 |
| Equity capital to assets | 8.2827% | 2,921 |
| Core capital (leverage) ratio | 8.6531% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5446% | 399 |
| Memoranda: |
| Average total assets | $662,662,000 | 1,370 |
| Average earning assets | $639,555,667 | 1,340 |
| Average equity | $55,549,333 | 1,532 |
| Average total loans | $199,352,667 | 2,241 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9650% | 4,623 |
| Cost of funding earning assets | 0.1537% | 3,449 |
| Net interest margin | 1.8113% | 4,613 |
| Noninterest income to average assets | 1.1170% | 543 |
| Noninterest expense to average assets | 2.1092% | 3,110 |
| Loan and lease loss provision to assets | -0.0098% | 4,420 |
| Net operating income to assets | 0.7646% | 2,798 |
| Return on assets (ROA) | 0.7646% | 2,788 |
| Pretax return on assets | 0.7646% | 3,214 |
| Return on Equity (ROE) | 9.0636% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.0636% | 1,255 |
| Net charge-offs to loans | -0.2265% | 4,625 |
| Credit loss provision to net charge-offs | 13.7931% | 1,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6469% | 1,784 |
| Assets per employee ($millions) | 7.4481% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3030% | 370 |
| Loan loss allowance to noncurrent loans | 2,453.8071% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,751 |
| Noncurrent loans to loans | 0.0939% | 3,371 |
| Net loans and leases to total assets | 30.2551% | 4,441 |
| Net loans and leases to deposits | 34.7847% | 4,430 |
| Net loans and leases to core deposits | 35.5503% | 4,441 |
| Total domestic deposits to total assets | 86.9783% | 2,937 |
| Equity capital to assets | 8.1643% | 3,435 |
| Core capital (leverage) ratio | 8.7601% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0645% | 641 |
| Memoranda: |
| Average total assets | $650,299,000 | 1,389 |
| Average earning assets | $627,174,500 | 1,364 |
| Average equity | $54,857,000 | 1,602 |
| Average total loans | $204,834,500 | 2,196 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0642% | 4,667 |
| Cost of funding earning assets | 0.2218% | 3,233 |
| Net interest margin | 1.8425% | 4,655 |
| Noninterest income to average assets | 1.4451% | 536 |
| Noninterest expense to average assets | 2.4760% | 2,254 |
| Loan and lease loss provision to assets | 0.0035% | 3,009 |
| Net operating income to assets | 0.7322% | 3,539 |
| Return on assets (ROA) | 0.7322% | 3,600 |
| Pretax return on assets | 0.7322% | 3,865 |
| Return on Equity (ROE) | 8.2055% | 3,156 |
| Retained earnings to average equity (ytd only) | 4.4198% | 3,046 |
| Net charge-offs to loans | 0.0389% | 1,479 |
| Credit loss provision to net charge-offs | 26.2500% | 2,252 |
| Earnings coverage of net charge-offs (x) | 54.4500% | 1,248 |
| Efficiency ratio | 77.0930% | 1,021 |
| Assets per employee ($millions) | 6.8442% | 2,033 |
| Cash dividends to net income (ytd only)* | 46.1361% | 1,719 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3697% | 344 |
| Loan loss allowance to noncurrent loans | 2,332.0197% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 3,802 |
| Noncurrent loans to loans | 0.1016% | 3,421 |
| Net loans and leases to total assets | 31.3154% | 4,471 |
| Net loans and leases to deposits | 35.5979% | 4,486 |
| Net loans and leases to core deposits | 36.5092% | 4,509 |
| Total domestic deposits to total assets | 87.9698% | 2,059 |
| Equity capital to assets | 8.7309% | 3,858 |
| Core capital (leverage) ratio | 8.8130% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2575% | 859 |
| Memoranda: |
| Average total assets | $592,085,400 | 1,471 |
| Average earning assets | $567,719,200 | 1,435 |
| Average equity | $52,830,600 | 1,682 |
| Average total loans | $205,881,400 | 2,199 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1211% | 4,737 |
| Cost of funding earning assets | 0.2267% | 3,358 |
| Net interest margin | 1.8944% | 4,720 |
| Noninterest income to average assets | 1.5001% | 551 |
| Noninterest expense to average assets | 2.5005% | 2,119 |
| Loan and lease loss provision to assets | 0.0036% | 2,901 |
| Net operating income to assets | 0.8111% | 3,495 |
| Return on assets (ROA) | 0.8111% | 3,566 |
| Pretax return on assets | 0.8111% | 3,868 |
| Return on Equity (ROE) | 9.0380% | 3,096 |
| Retained earnings to average equity (ytd only) | 3.9533% | 3,588 |
| Net charge-offs to loans | 0.0559% | 1,088 |
| Credit loss provision to net charge-offs | 18.3908% | 1,999 |
| Earnings coverage of net charge-offs (x) | 41.0460% | 1,351 |
| Efficiency ratio | 75.4250% | 1,081 |
| Assets per employee ($millions) | 7.0062% | 1,863 |
| Cash dividends to net income (ytd only)* | 56.2588% | 958 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2993% | 391 |
| Loan loss allowance to noncurrent loans | 2,580.3279% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,970 |
| Noncurrent loans to loans | 0.0891% | 3,635 |
| Net loans and leases to total assets | 32.9174% | 4,509 |
| Net loans and leases to deposits | 38.2931% | 4,512 |
| Net loans and leases to core deposits | 39.4718% | 4,530 |
| Total domestic deposits to total assets | 85.9618% | 2,761 |
| Equity capital to assets | 8.7948% | 4,004 |
| Core capital (leverage) ratio | 8.7574% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5157% | 1,046 |
| Memoranda: |
| Average total assets | $584,401,250 | 1,503 |
| Average earning assets | $559,947,500 | 1,469 |
| Average equity | $52,443,750 | 1,714 |
| Average total loans | $207,408,500 | 2,220 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1699% | 4,769 |
| Cost of funding earning assets | 0.2260% | 3,507 |
| Net interest margin | 1.9440% | 4,734 |
| Noninterest income to average assets | 1.5284% | 528 |
| Noninterest expense to average assets | 2.5249% | 2,062 |
| Loan and lease loss provision to assets | 0.0069% | 2,771 |
| Net operating income to assets | 0.8576% | 3,344 |
| Return on assets (ROA) | 0.8576% | 3,422 |
| Pretax return on assets | 0.8576% | 3,753 |
| Return on Equity (ROE) | 9.4898% | 2,954 |
| Retained earnings to average equity (ytd only) | 1.8058% | 4,163 |
| Net charge-offs to loans | 0.0759% | 895 |
| Credit loss provision to net charge-offs | 25.3165% | 1,716 |
| Earnings coverage of net charge-offs (x) | 31.5190% | 1,283 |
| Efficiency ratio | 74.4929% | 1,207 |
| Assets per employee ($millions) | 6.7306% | 1,999 |
| Cash dividends to net income (ytd only)* | 80.9717% | 475 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3177% | 349 |
| Loan loss allowance to noncurrent loans | 2,586.8852% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 4,060 |
| Noncurrent loans to loans | 0.0896% | 3,732 |
| Net loans and leases to total assets | 32.2219% | 4,583 |
| Net loans and leases to deposits | 38.3888% | 4,568 |
| Net loans and leases to core deposits | 39.5281% | 4,589 |
| Total domestic deposits to total assets | 83.9357% | 3,462 |
| Equity capital to assets | 8.4815% | 4,219 |
| Core capital (leverage) ratio | 8.7299% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1192% | 1,095 |
| Memoranda: |
| Average total assets | $576,020,667 | 1,510 |
| Average earning assets | $551,444,000 | 1,483 |
| Average equity | $52,055,667 | 1,714 |
| Average total loans | $208,088,667 | 2,223 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3725% | 4,727 |
| Cost of funding earning assets | 0.2310% | 3,637 |
| Net interest margin | 2.1415% | 4,659 |
| Noninterest income to average assets | 1.5577% | 571 |
| Noninterest expense to average assets | 2.4934% | 2,193 |
| Loan and lease loss provision to assets | 0.0022% | 2,721 |
| Net operating income to assets | 1.1089% | 2,441 |
| Return on assets (ROA) | 1.1089% | 2,524 |
| Pretax return on assets | 1.1089% | 3,090 |
| Return on Equity (ROE) | 11.8632% | 2,064 |
| Retained earnings to average equity (ytd only) | -3.5736% | 4,631 |
| Net charge-offs to loans | -0.0171% | 3,917 |
| Credit loss provision to net charge-offs | -33.3333% | 2,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1753% | 1,795 |
| Assets per employee ($millions) | 6.6598% | 2,045 |
| Cash dividends to net income (ytd only)* | 130.1236% | 287 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2719% | 381 |
| Loan loss allowance to noncurrent loans | 1,747.2727% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,039 |
| Noncurrent loans to loans | 0.1300% | 3,661 |
| Net loans and leases to total assets | 35.2681% | 4,540 |
| Net loans and leases to deposits | 41.4292% | 4,515 |
| Net loans and leases to core deposits | 42.5253% | 4,547 |
| Total domestic deposits to total assets | 85.1286% | 3,050 |
| Equity capital to assets | 8.8026% | 3,874 |
| Core capital (leverage) ratio | 9.4794% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1550% | 1,257 |
| Memoranda: |
| Average total assets | $554,421,500 | 1,550 |
| Average earning assets | $529,913,000 | 1,515 |
| Average equity | $51,824,000 | 1,712 |
| Average total loans | $210,004,000 | 2,213 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8946% | 4,705 |
| Cost of funding earning assets | 0.3485% | 3,878 |
| Net interest margin | 2.5460% | 4,547 |
| Noninterest income to average assets | 2.0086% | 327 |
| Noninterest expense to average assets | 2.8841% | 1,728 |
| Loan and lease loss provision to assets | -0.0044% | 4,901 |
| Net operating income to assets | 1.5336% | 738 |
| Return on assets (ROA) | 1.5336% | 800 |
| Pretax return on assets | 1.5336% | 1,236 |
| Return on Equity (ROE) | 14.8635% | 659 |
| Retained earnings to average equity (ytd only) | 4.3593% | 2,618 |
| Net charge-offs to loans | -0.0378% | 4,608 |
| Credit loss provision to net charge-offs | 29.3333% | 3,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3509% | 2,626 |
| Assets per employee ($millions) | 5.6824% | 2,649 |
| Cash dividends to net income (ytd only)* | 70.6714% | 938 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2992% | 352 |
| Loan loss allowance to noncurrent loans | 1,769.0037% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 4,082 |
| Noncurrent loans to loans | 0.1300% | 3,760 |
| Net loans and leases to total assets | 38.9678% | 4,477 |
| Net loans and leases to deposits | 45.2576% | 4,489 |
| Net loans and leases to core deposits | 46.5535% | 4,532 |
| Total domestic deposits to total assets | 86.1021% | 2,321 |
| Equity capital to assets | 9.9581% | 3,166 |
| Core capital (leverage) ratio | 9.9470% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6160% | 959 |
| Memoranda: |
| Average total assets | $498,249,200 | 1,556 |
| Average earning assets | $470,572,800 | 1,535 |
| Average equity | $51,407,800 | 1,654 |
| Average total loans | $198,656,000 | 2,246 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9800% | 4,746 |
| Cost of funding earning assets | 0.3903% | 3,861 |
| Net interest margin | 2.5897% | 4,579 |
| Noninterest income to average assets | 1.9857% | 322 |
| Noninterest expense to average assets | 2.8765% | 1,751 |
| Loan and lease loss provision to assets | -0.0024% | 4,958 |
| Net operating income to assets | 1.5514% | 809 |
| Return on assets (ROA) | 1.5514% | 886 |
| Pretax return on assets | 1.5514% | 1,325 |
| Return on Equity (ROE) | 14.8980% | 707 |
| Retained earnings to average equity (ytd only) | 8.6536% | 1,094 |
| Net charge-offs to loans | -0.0598% | 4,713 |
| Credit loss provision to net charge-offs | 10.2273% | 2,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9994% | 2,593 |
| Assets per employee ($millions) | 5.5830% | 2,636 |
| Cash dividends to net income (ytd only)* | 41.9141% | 1,850 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2547% | 314 |
| Loan loss allowance to noncurrent loans | 1,733.8129% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,141 |
| Noncurrent loans to loans | 0.1300% | 3,864 |
| Net loans and leases to total assets | 40.2438% | 4,562 |
| Net loans and leases to deposits | 48.0011% | 4,553 |
| Net loans and leases to core deposits | 49.2151% | 4,598 |
| Total domestic deposits to total assets | 83.8394% | 2,874 |
| Equity capital to assets | 10.2358% | 3,025 |
| Core capital (leverage) ratio | 10.1205% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9523% | 790 |
| Memoranda: |
| Average total assets | $492,117,000 | 1,556 |
| Average earning assets | $463,614,750 | 1,530 |
| Average equity | $51,245,000 | 1,645 |
| Average total loans | $196,192,750 | 2,267 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1356% | 4,770 |
| Cost of funding earning assets | 0.4493% | 3,796 |
| Net interest margin | 2.6864% | 4,569 |
| Noninterest income to average assets | 1.4921% | 474 |
| Noninterest expense to average assets | 2.9038% | 1,821 |
| Loan and lease loss provision to assets | 0.0004% | 4,133 |
| Net operating income to assets | 1.1104% | 1,935 |
| Return on assets (ROA) | 1.1104% | 2,057 |
| Pretax return on assets | 1.1104% | 2,684 |
| Return on Equity (ROE) | 10.5984% | 1,778 |
| Retained earnings to average equity (ytd only) | 7.4371% | 1,488 |
| Net charge-offs to loans | -0.0988% | 4,845 |
| Credit loss provision to net charge-offs | -1.0638% | 3,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3316% | 1,639 |
| Assets per employee ($millions) | 5.8154% | 2,358 |
| Cash dividends to net income (ytd only)* | 29.8285% | 2,375 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3889% | 253 |
| Loan loss allowance to noncurrent loans | 1,727.1429% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 4,236 |
| Noncurrent loans to loans | 0.1383% | 3,903 |
| Net loans and leases to total assets | 37.3390% | 4,692 |
| Net loans and leases to deposits | 44.0263% | 4,705 |
| Net loans and leases to core deposits | 45.0931% | 4,734 |
| Total domestic deposits to total assets | 84.8106% | 2,470 |
| Equity capital to assets | 9.7696% | 3,406 |
| Core capital (leverage) ratio | 10.5377% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2052% | 748 |
| Memoranda: |
| Average total assets | $483,084,333 | 1,549 |
| Average earning assets | $453,622,667 | 1,529 |
| Average equity | $50,611,333 | 1,652 |
| Average total loans | $190,333,000 | 2,302 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4829% | 4,645 |
| Cost of funding earning assets | 0.5800% | 3,530 |
| Net interest margin | 2.9029% | 4,426 |
| Noninterest income to average assets | 1.5286% | 381 |
| Noninterest expense to average assets | 3.1129% | 1,605 |
| Loan and lease loss provision to assets | -0.0122% | 5,045 |
| Net operating income to assets | 1.1434% | 1,708 |
| Return on assets (ROA) | 1.1434% | 1,813 |
| Pretax return on assets | 1.1434% | 2,382 |
| Return on Equity (ROE) | 10.5060% | 1,573 |
| Retained earnings to average equity (ytd only) | 4.1145% | 2,637 |
| Net charge-offs to loans | -0.0087% | 4,026 |
| Credit loss provision to net charge-offs | 350.0000% | 1,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3456% | 1,899 |
| Assets per employee ($millions) | 4.8898% | 2,766 |
| Cash dividends to net income (ytd only)* | 60.8365% | 1,381 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5304% | 233 |
| Loan loss allowance to noncurrent loans | 2,585.2459% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 4,378 |
| Noncurrent loans to loans | 0.0979% | 4,117 |
| Net loans and leases to total assets | 39.2294% | 4,694 |
| Net loans and leases to deposits | 46.7548% | 4,704 |
| Net loans and leases to core deposits | 48.4196% | 4,714 |
| Total domestic deposits to total assets | 83.9045% | 2,813 |
| Equity capital to assets | 10.8347% | 3,012 |
| Core capital (leverage) ratio | 10.9438% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2837% | 719 |
| Memoranda: |
| Average total assets | $460,025,000 | 1,568 |
| Average earning assets | $430,333,500 | 1,555 |
| Average equity | $50,066,500 | 1,661 |
| Average total loans | $184,282,000 | 2,316 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8367% | 4,518 |
| Cost of funding earning assets | 0.6718% | 3,307 |
| Net interest margin | 3.1649% | 4,259 |
| Noninterest income to average assets | 1.9030% | 283 |
| Noninterest expense to average assets | 3.1580% | 1,615 |
| Loan and lease loss provision to assets | -0.0076% | 4,930 |
| Net operating income to assets | 1.7019% | 657 |
| Return on assets (ROA) | 1.7019% | 700 |
| Pretax return on assets | 1.7019% | 1,182 |
| Return on Equity (ROE) | 15.6254% | 586 |
| Retained earnings to average equity (ytd only) | 5.4896% | 2,171 |
| Net charge-offs to loans | -0.2451% | 5,075 |
| Credit loss provision to net charge-offs | 8.0378% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0816% | 2,918 |
| Assets per employee ($millions) | 4.8980% | 2,707 |
| Cash dividends to net income (ytd only)* | 64.8677% | 1,340 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6107% | 182 |
| Loan loss allowance to noncurrent loans | 2,174.7706% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,355 |
| Noncurrent loans to loans | 0.1200% | 4,050 |
| Net loans and leases to total assets | 38.8259% | 4,777 |
| Net loans and leases to deposits | 45.9502% | 4,788 |
| Net loans and leases to core deposits | 47.4259% | 4,806 |
| Total domestic deposits to total assets | 84.4956% | 2,686 |
| Equity capital to assets | 10.9331% | 3,069 |
| Core capital (leverage) ratio | 10.9031% | 2,589 |
| Tier 1 risk-based capital ratio | 18.4668% | 1,642 |
| Total risk-based capital ratio | 19.7231% | 1,612 |
| Memoranda: |
| Average total assets | $448,544,400 | 1,561 |
| Average earning assets | $417,992,000 | 1,553 |
| Average equity | $48,856,200 | 1,636 |
| Average total loans | $172,549,600 | 2,392 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8825% | 4,563 |
| Cost of funding earning assets | 0.6829% | 3,291 |
| Net interest margin | 3.1997% | 4,301 |
| Noninterest income to average assets | 1.9062% | 285 |
| Noninterest expense to average assets | 3.1757% | 1,513 |
| Loan and lease loss provision to assets | -0.0057% | 5,045 |
| Net operating income to assets | 1.7173% | 722 |
| Return on assets (ROA) | 1.7173% | 760 |
| Pretax return on assets | 1.7173% | 1,292 |
| Return on Equity (ROE) | 15.7819% | 642 |
| Retained earnings to average equity (ytd only) | 8.5423% | 1,190 |
| Net charge-offs to loans | -0.3523% | 5,166 |
| Credit loss provision to net charge-offs | 4.2222% | 3,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9774% | 2,867 |
| Assets per employee ($millions) | 4.9579% | 2,604 |
| Cash dividends to net income (ytd only)* | 45.8731% | 1,889 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6259% | 193 |
| Loan loss allowance to noncurrent loans | 1,875.6863% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 4,062 |
| Noncurrent loans to loans | 0.1400% | 4,037 |
| Net loans and leases to total assets | 39.3129% | 4,838 |
| Net loans and leases to deposits | 47.4546% | 4,834 |
| Net loans and leases to core deposits | 49.9097% | 4,837 |
| Total domestic deposits to total assets | 82.8431% | 3,216 |
| Equity capital to assets | 11.1301% | 2,984 |
| Core capital (leverage) ratio | 10.9904% | 2,648 |
| Tier 1 risk-based capital ratio | 18.6076% | 1,662 |
| Total risk-based capital ratio | 19.8641% | 1,626 |
| Memoranda: |
| Average total assets | $446,801,500 | 1,571 |
| Average earning assets | $416,284,500 | 1,566 |
| Average equity | $48,619,750 | 1,643 |
| Average total loans | $170,287,250 | 2,439 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8244% | 4,684 |
| Cost of funding earning assets | 0.6871% | 3,236 |
| Net interest margin | 3.1373% | 4,472 |
| Noninterest income to average assets | 1.8570% | 299 |
| Noninterest expense to average assets | 3.1239% | 1,670 |
| Loan and lease loss provision to assets | -0.0126% | 5,123 |
| Net operating income to assets | 1.6675% | 774 |
| Return on assets (ROA) | 1.6675% | 806 |
| Pretax return on assets | 1.6675% | 1,342 |
| Return on Equity (ROE) | 15.4425% | 679 |
| Retained earnings to average equity (ytd only) | 10.8676% | 567 |
| Net charge-offs to loans | -0.4641% | 5,224 |
| Credit loss provision to net charge-offs | 7.2539% | 2,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3698% | 2,912 |
| Assets per employee ($millions) | 4.9648% | 2,522 |
| Cash dividends to net income (ytd only)* | 29.6256% | 2,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6936% | 177 |
| Loan loss allowance to noncurrent loans | 5,814.8148% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 4,307 |
| Noncurrent loans to loans | 0.0463% | 4,480 |
| Net loans and leases to total assets | 36.8503% | 4,950 |
| Net loans and leases to deposits | 45.2391% | 4,924 |
| Net loans and leases to core deposits | 47.5035% | 4,921 |
| Total domestic deposits to total assets | 81.4566% | 3,679 |
| Equity capital to assets | 10.7639% | 3,297 |
| Core capital (leverage) ratio | 11.0721% | 2,530 |
| Tier 1 risk-based capital ratio | 19.2253% | 1,500 |
| Total risk-based capital ratio | 20.4825% | 1,467 |
| Memoranda: |
| Average total assets | $445,347,000 | 1,575 |
| Average earning assets | $414,756,670 | 1,573 |
| Average equity | $48,088,000 | 1,655 |
| Average total loans | $166,333,330 | 2,478 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4107% | 3,185 |
| Cost of funding earning assets | 0.6804% | 3,148 |
| Net interest margin | 3.7303% | 2,780 |
| Noninterest income to average assets | 1.0092% | 784 |
| Noninterest expense to average assets | 3.0049% | 1,984 |
| Loan and lease loss provision to assets | -0.0192% | 5,224 |
| Net operating income to assets | 1.4951% | 1,124 |
| Return on assets (ROA) | 1.4951% | 1,153 |
| Pretax return on assets | 1.4951% | 1,786 |
| Return on Equity (ROE) | 13.8234% | 1,008 |
| Retained earnings to average equity (ytd only) | 4.5176% | 3,117 |
| Net charge-offs to loans | -0.9872% | 5,304 |
| Credit loss provision to net charge-offs | 5.2500% | 2,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0615% | 2,789 |
| Assets per employee ($millions) | 4.6609% | 2,969 |
| Cash dividends to net income (ytd only)* | 67.3195% | 1,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8440% | 157 |
| Loan loss allowance to noncurrent loans | 5,501.1628% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,318 |
| Noncurrent loans to loans | 0.0517% | 4,535 |
| Net loans and leases to total assets | 36.8894% | 4,988 |
| Net loans and leases to deposits | 44.6711% | 4,970 |
| Net loans and leases to core deposits | 46.8184% | 4,964 |
| Total domestic deposits to total assets | 82.5800% | 3,549 |
| Equity capital to assets | 10.8561% | 2,992 |
| Core capital (leverage) ratio | 11.0123% | 2,565 |
| Tier 1 risk-based capital ratio | 20.0342% | 1,335 |
| Total risk-based capital ratio | 21.2934% | 1,304 |
| Memoranda: |
| Average total assets | $437,156,500 | 1,608 |
| Average earning assets | $406,826,500 | 1,606 |
| Average equity | $47,282,000 | 1,661 |
| Average total loans | $162,071,000 | 2,542 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1089% | 3,714 |
| Cost of funding earning assets | 0.5032% | 3,326 |
| Net interest margin | 3.6057% | 3,365 |
| Noninterest income to average assets | 1.0870% | 785 |
| Noninterest expense to average assets | 3.1901% | 1,580 |
| Loan and lease loss provision to assets | 0.0002% | 4,081 |
| Net operating income to assets | 1.2487% | 1,978 |
| Return on assets (ROA) | 1.2487% | 1,975 |
| Pretax return on assets | 1.2487% | 2,701 |
| Return on Equity (ROE) | 11.2812% | 1,976 |
| Retained earnings to average equity (ytd only) | 1.4733% | 4,545 |
| Net charge-offs to loans | -0.0107% | 4,510 |
| Credit loss provision to net charge-offs | -6.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8645% | 1,920 |
| Assets per employee ($millions) | 4.6902% | 2,893 |
| Cash dividends to net income (ytd only)* | 86.9401% | 509 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7581% | 175 |
| Loan loss allowance to noncurrent loans | 5,726.3158% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,342 |
| Noncurrent loans to loans | 0.0482% | 4,524 |
| Net loans and leases to total assets | 35.1769% | 5,091 |
| Net loans and leases to deposits | 41.4119% | 5,096 |
| Net loans and leases to core deposits | 42.6456% | 5,109 |
| Total domestic deposits to total assets | 84.9439% | 2,664 |
| Equity capital to assets | 10.7754% | 2,904 |
| Core capital (leverage) ratio | 10.9215% | 2,602 |
| Tier 1 risk-based capital ratio | 19.6118% | 1,384 |
| Total risk-based capital ratio | 20.8688% | 1,352 |
| Memoranda: |
| Average total assets | $423,716,800 | 1,612 |
| Average earning assets | $393,901,800 | 1,608 |
| Average equity | $46,901,200 | 1,600 |
| Average total loans | $139,536,400 | 2,772 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9601% | 4,045 |
| Cost of funding earning assets | 0.4523% | 3,508 |
| Net interest margin | 3.5078% | 3,674 |
| Noninterest income to average assets | 1.0933% | 786 |
| Noninterest expense to average assets | 3.2141% | 1,492 |
| Loan and lease loss provision to assets | 0.0127% | 3,744 |
| Net operating income to assets | 1.1266% | 2,547 |
| Return on assets (ROA) | 1.1266% | 2,558 |
| Pretax return on assets | 1.1266% | 3,287 |
| Return on Equity (ROE) | 10.1086% | 2,569 |
| Retained earnings to average equity (ytd only) | 4.1356% | 3,705 |
| Net charge-offs to loans | 0.0504% | 2,111 |
| Credit loss provision to net charge-offs | 78.4314% | 2,542 |
| Earnings coverage of net charge-offs (x) | 70.4688% | 951 |
| Efficiency ratio | 73.8295% | 1,623 |
| Assets per employee ($millions) | 4.5491% | 3,045 |
| Cash dividends to net income (ytd only)* | 59.0883% | 1,238 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8119% | 167 |
| Loan loss allowance to noncurrent loans | 485.4097% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 3,521 |
| Noncurrent loans to loans | 0.5793% | 2,644 |
| Net loans and leases to total assets | 35.3343% | 5,162 |
| Net loans and leases to deposits | 43.1084% | 5,127 |
| Net loans and leases to core deposits | 44.3509% | 5,158 |
| Total domestic deposits to total assets | 81.9662% | 3,620 |
| Equity capital to assets | 11.2785% | 2,410 |
| Core capital (leverage) ratio | 11.1172% | 2,479 |
| Tier 1 risk-based capital ratio | 20.4826% | 1,251 |
| Total risk-based capital ratio | 21.7398% | 1,224 |
| Memoranda: |
| Average total assets | $420,598,500 | 1,625 |
| Average earning assets | $390,890,250 | 1,626 |
| Average equity | $46,876,250 | 1,598 |
| Average total loans | $134,973,000 | 2,842 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7884% | 4,377 |
| Cost of funding earning assets | 0.4117% | 3,635 |
| Net interest margin | 3.3767% | 4,031 |
| Noninterest income to average assets | 1.1177% | 764 |
| Noninterest expense to average assets | 3.1941% | 1,545 |
| Loan and lease loss provision to assets | 0.0181% | 3,538 |
| Net operating income to assets | 1.0434% | 2,835 |
| Return on assets (ROA) | 1.0434% | 2,834 |
| Pretax return on assets | 1.0434% | 3,534 |
| Return on Equity (ROE) | 9.3998% | 2,852 |
| Retained earnings to average equity (ytd only) | 4.6784% | 3,246 |
| Net charge-offs to loans | 0.0855% | 1,482 |
| Credit loss provision to net charge-offs | 69.0909% | 2,361 |
| Earnings coverage of net charge-offs (x) | 40.5091% | 1,282 |
| Efficiency ratio | 75.0560% | 1,552 |
| Assets per employee ($millions) | 4.6913% | 2,825 |
| Cash dividends to net income (ytd only)* | 50.2283% | 1,655 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0613% | 129 |
| Loan loss allowance to noncurrent loans | 521.6184% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,517 |
| Noncurrent loans to loans | 0.5869% | 2,661 |
| Net loans and leases to total assets | 31.3475% | 5,299 |
| Net loans and leases to deposits | 38.7527% | 5,275 |
| Net loans and leases to core deposits | 39.6852% | 5,288 |
| Total domestic deposits to total assets | 80.8910% | 4,024 |
| Equity capital to assets | 10.8536% | 2,778 |
| Core capital (leverage) ratio | 11.2899% | 2,265 |
| Tier 1 risk-based capital ratio | 21.8875% | 1,046 |
| Total risk-based capital ratio | 23.1465% | 1,032 |
| Memoranda: |
| Average total assets | $419,777,330 | 1,641 |
| Average earning assets | $390,081,330 | 1,637 |
| Average equity | $46,596,670 | 1,613 |
| Average total loans | $128,693,670 | 2,926 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5186% | 4,846 |
| Cost of funding earning assets | 0.3801% | 3,735 |
| Net interest margin | 3.1385% | 4,622 |
| Noninterest income to average assets | 1.1820% | 659 |
| Noninterest expense to average assets | 3.1600% | 1,667 |
| Loan and lease loss provision to assets | 0.0058% | 3,430 |
| Net operating income to assets | 0.9292% | 3,163 |
| Return on assets (ROA) | 0.9292% | 3,184 |
| Pretax return on assets | 0.9292% | 3,757 |
| Return on Equity (ROE) | 8.2737% | 3,261 |
| Retained earnings to average equity (ytd only) | -1.2463% | 4,936 |
| Net charge-offs to loans | 0.0327% | 1,849 |
| Credit loss provision to net charge-offs | 60.0000% | 1,888 |
| Earnings coverage of net charge-offs (x) | 96.2000% | 630 |
| Efficiency ratio | 77.1659% | 1,436 |
| Assets per employee ($millions) | 4.6446% | 2,935 |
| Cash dividends to net income (ytd only)* | 115.0628% | 474 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4329% | 95 |
| Loan loss allowance to noncurrent loans | 507.8546% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 3,498 |
| Noncurrent loans to loans | 0.6760% | 2,524 |
| Net loans and leases to total assets | 29.4795% | 5,375 |
| Net loans and leases to deposits | 36.1121% | 5,357 |
| Net loans and leases to core deposits | 36.9954% | 5,375 |
| Total domestic deposits to total assets | 81.6333% | 4,056 |
| Equity capital to assets | 11.1579% | 2,421 |
| Core capital (leverage) ratio | 11.3113% | 2,161 |
| Tier 1 risk-based capital ratio | 24.4795% | 797 |
| Total risk-based capital ratio | 25.7421% | 775 |
| Memoranda: |
| Average total assets | $411,522,500 | 1,682 |
| Average earning assets | $381,967,000 | 1,688 |
| Average equity | $46,218,500 | 1,638 |
| Average total loans | $122,498,500 | 3,030 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2411% | 5,144 |
| Cost of funding earning assets | 0.2879% | 4,246 |
| Net interest margin | 2.9532% | 4,972 |
| Noninterest income to average assets | 1.4637% | 493 |
| Noninterest expense to average assets | 3.2899% | 1,394 |
| Loan and lease loss provision to assets | 0.0017% | 4,206 |
| Net operating income to assets | 0.9078% | 2,669 |
| Return on assets (ROA) | 0.9078% | 2,692 |
| Pretax return on assets | 0.9078% | 3,898 |
| Return on Equity (ROE) | 8.1229% | 2,741 |
| Retained earnings to average equity (ytd only) | 2.4802% | 3,845 |
| Net charge-offs to loans | -0.1340% | 5,440 |
| Credit loss provision to net charge-offs | -4.5161% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3411% | 1,304 |
| Assets per employee ($millions) | 4.6031% | 3,023 |
| Cash dividends to net income (ytd only)* | 69.4669% | 1,297 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6496% | 80 |
| Loan loss allowance to noncurrent loans | 489.3905% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 3,477 |
| Noncurrent loans to loans | 0.7458% | 2,340 |
| Net loans and leases to total assets | 27.9415% | 5,468 |
| Net loans and leases to deposits | 33.7329% | 5,462 |
| Net loans and leases to core deposits | 34.5257% | 5,482 |
| Total domestic deposits to total assets | 82.8316% | 3,617 |
| Equity capital to assets | 11.3050% | 2,359 |
| Core capital (leverage) ratio | 11.3847% | 2,026 |
| Tier 1 risk-based capital ratio | 24.2679% | 796 |
| Total risk-based capital ratio | 25.5304% | 776 |
| Memoranda: |
| Average total assets | $409,105,000 | 1,670 |
| Average earning assets | $378,981,800 | 1,676 |
| Average equity | $45,722,800 | 1,642 |
| Average total loans | $115,636,800 | 3,113 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2518% | 5,170 |
| Cost of funding earning assets | 0.2693% | 4,419 |
| Net interest margin | 2.9825% | 4,957 |
| Noninterest income to average assets | 1.5564% | 450 |
| Noninterest expense to average assets | 3.2879% | 1,381 |
| Loan and lease loss provision to assets | 0.0016% | 4,070 |
| Net operating income to assets | 1.0289% | 2,418 |
| Return on assets (ROA) | 1.0289% | 2,460 |
| Pretax return on assets | 1.0289% | 3,570 |
| Return on Equity (ROE) | 9.2329% | 2,480 |
| Retained earnings to average equity (ytd only) | 1.6851% | 4,753 |
| Net charge-offs to loans | -0.1892% | 5,528 |
| Credit loss provision to net charge-offs | -3.0675% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1362% | 1,569 |
| Assets per employee ($millions) | 4.5470% | 3,057 |
| Cash dividends to net income (ytd only)* | 81.7490% | 607 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9205% | 73 |
| Loan loss allowance to noncurrent loans | 5,947.9452% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,386 |
| Noncurrent loans to loans | 0.0659% | 4,812 |
| Net loans and leases to total assets | 26.2940% | 5,561 |
| Net loans and leases to deposits | 31.9641% | 5,562 |
| Net loans and leases to core deposits | 32.7616% | 5,571 |
| Total domestic deposits to total assets | 82.2610% | 3,697 |
| Equity capital to assets | 11.3212% | 2,555 |
| Core capital (leverage) ratio | 11.1114% | 2,357 |
| Tier 1 risk-based capital ratio | 25.6348% | 700 |
| Total risk-based capital ratio | 26.8992% | 692 |
| Memoranda: |
| Average total assets | $408,962,000 | 1,684 |
| Average earning assets | $378,735,500 | 1,685 |
| Average equity | $45,575,000 | 1,664 |
| Average total loans | $114,844,500 | 3,150 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1171% | 5,332 |
| Cost of funding earning assets | 0.2567% | 4,486 |
| Net interest margin | 2.8604% | 5,152 |
| Noninterest income to average assets | 1.6409% | 423 |
| Noninterest expense to average assets | 3.2642% | 1,436 |
| Loan and lease loss provision to assets | 0.0034% | 3,834 |
| Net operating income to assets | 1.0234% | 2,315 |
| Return on assets (ROA) | 1.0234% | 2,361 |
| Pretax return on assets | 1.0234% | 3,465 |
| Return on Equity (ROE) | 9.2318% | 2,398 |
| Retained earnings to average equity (ytd only) | 3.1212% | 3,853 |
| Net charge-offs to loans | -0.1360% | 5,499 |
| Credit loss provision to net charge-offs | -8.8608% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0704% | 1,711 |
| Assets per employee ($millions) | 4.6563% | 2,853 |
| Cash dividends to net income (ytd only)* | 66.1905% | 1,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5966% | 88 |
| Loan loss allowance to noncurrent loans | 10,390.2439% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 4,521 |
| Noncurrent loans to loans | 0.0346% | 5,017 |
| Net loans and leases to total assets | 27.2471% | 5,582 |
| Net loans and leases to deposits | 33.4244% | 5,582 |
| Net loans and leases to core deposits | 34.2405% | 5,596 |
| Total domestic deposits to total assets | 81.5186% | 4,039 |
| Equity capital to assets | 10.9650% | 2,844 |
| Core capital (leverage) ratio | 11.2991% | 2,127 |
| Tier 1 risk-based capital ratio | 25.3642% | 717 |
| Total risk-based capital ratio | 26.6275% | 700 |
| Memoranda: |
| Average total assets | $410,387,670 | 1,679 |
| Average earning assets | $380,220,670 | 1,679 |
| Average equity | $45,495,000 | 1,667 |
| Average total loans | $116,209,330 | 3,139 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8506% | 5,572 |
| Cost of funding earning assets | 0.2523% | 4,515 |
| Net interest margin | 2.5984% | 5,468 |
| Noninterest income to average assets | 1.5841% | 447 |
| Noninterest expense to average assets | 3.2666% | 1,443 |
| Loan and lease loss provision to assets | 0.0069% | 3,469 |
| Net operating income to assets | 0.7152% | 3,638 |
| Return on assets (ROA) | 0.7152% | 3,676 |
| Pretax return on assets | 0.7152% | 4,400 |
| Return on Equity (ROE) | 6.4153% | 3,709 |
| Retained earnings to average equity (ytd only) | 1.5552% | 4,481 |
| Net charge-offs to loans | 0.0487% | 1,878 |
| Credit loss provision to net charge-offs | 50.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 52.3571% | 872 |
| Efficiency ratio | 81.8968% | 1,174 |
| Assets per employee ($millions) | 4.6291% | 2,958 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5664% | 112 |
| Loan loss allowance to noncurrent loans | 7,576.3636% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,553 |
| Noncurrent loans to loans | 0.0471% | 5,003 |
| Net loans and leases to total assets | 27.3487% | 5,644 |
| Net loans and leases to deposits | 33.1809% | 5,632 |
| Net loans and leases to core deposits | 33.9612% | 5,649 |
| Total domestic deposits to total assets | 82.4231% | 4,051 |
| Equity capital to assets | 11.0187% | 2,611 |
| Core capital (leverage) ratio | 11.3181% | 2,092 |
| Tier 1 risk-based capital ratio | 25.8835% | 696 |
| Total risk-based capital ratio | 27.1474% | 680 |
| Memoranda: |
| Average total assets | $406,047,000 | 1,707 |
| Average earning assets | $375,775,000 | 1,709 |
| Average equity | $45,267,000 | 1,678 |
| Average total loans | $115,092,000 | 3,180 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0292% | 5,477 |
| Cost of funding earning assets | 0.2372% | 4,681 |
| Net interest margin | 2.7920% | 5,305 |
| Noninterest income to average assets | 1.7734% | 400 |
| Noninterest expense to average assets | 3.4358% | 1,285 |
| Loan and lease loss provision to assets | -0.0021% | 5,460 |
| Net operating income to assets | 0.9061% | 2,787 |
| Return on assets (ROA) | 0.9102% | 2,880 |
| Pretax return on assets | 0.9102% | 3,812 |
| Return on Equity (ROE) | 7.7404% | 3,090 |
| Retained earnings to average equity (ytd only) | -0.0720% | 5,318 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1689% | 1,531 |
| Assets per employee ($millions) | 4.3022% | 3,431 |
| Cash dividends to net income (ytd only)* | 100.9301% | 348 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6826% | 96 |
| Loan loss allowance to noncurrent loans | 4,910.5882% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 4,579 |
| Noncurrent loans to loans | 0.0750% | 4,942 |
| Net loans and leases to total assets | 27.2852% | 5,701 |
| Net loans and leases to deposits | 33.0473% | 5,694 |
| Net loans and leases to core deposits | 33.8809% | 5,709 |
| Total domestic deposits to total assets | 82.5640% | 3,911 |
| Equity capital to assets | 11.2816% | 2,343 |
| Core capital (leverage) ratio | 11.4219% | 1,994 |
| Tier 1 risk-based capital ratio | 25.3698% | 736 |
| Total risk-based capital ratio | 26.6331% | 722 |
| Memoranda: |
| Average total assets | $389,805,200 | 1,724 |
| Average earning assets | $358,315,200 | 1,733 |
| Average equity | $45,837,400 | 1,646 |
| Average total loans | $117,288,600 | 3,106 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0771% | 5,494 |
| Cost of funding earning assets | 0.2341% | 4,759 |
| Net interest margin | 2.8430% | 5,282 |
| Noninterest income to average assets | 1.8617% | 383 |
| Noninterest expense to average assets | 3.4686% | 1,203 |
| Loan and lease loss provision to assets | -0.0038% | 5,631 |
| Net operating income to assets | 1.0064% | 2,406 |
| Return on assets (ROA) | 1.0119% | 2,512 |
| Pretax return on assets | 1.0119% | 3,589 |
| Return on Equity (ROE) | 8.5164% | 2,753 |
| Retained earnings to average equity (ytd only) | 5.3839% | 2,561 |
| Net charge-offs to loans | -0.0023% | 4,508 |
| Credit loss provision to net charge-offs | 550.0000% | 657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5759% | 1,756 |
| Assets per employee ($millions) | 4.7414% | 2,680 |
| Cash dividends to net income (ytd only)* | 36.7813% | 2,492 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5427% | 111 |
| Loan loss allowance to noncurrent loans | 7,072.8814% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 4,733 |
| Noncurrent loans to loans | 0.0501% | 5,158 |
| Net loans and leases to total assets | 28.1914% | 5,752 |
| Net loans and leases to deposits | 34.0526% | 5,752 |
| Net loans and leases to core deposits | 34.9066% | 5,767 |
| Total domestic deposits to total assets | 82.7878% | 3,670 |
| Equity capital to assets | 11.7068% | 2,346 |
| Core capital (leverage) ratio | 11.9501% | 1,714 |
| Tier 1 risk-based capital ratio | 25.8659% | 727 |
| Total risk-based capital ratio | 27.1285% | 708 |
| Memoranda: |
| Average total assets | $387,230,500 | 1,734 |
| Average earning assets | $355,435,750 | 1,748 |
| Average equity | $46,012,250 | 1,650 |
| Average total loans | $118,275,000 | 3,099 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9388% | 5,694 |
| Cost of funding earning assets | 0.2340% | 4,811 |
| Net interest margin | 2.7048% | 5,563 |
| Noninterest income to average assets | 1.7886% | 402 |
| Noninterest expense to average assets | 3.4710% | 1,221 |
| Loan and lease loss provision to assets | -0.0047% | 5,752 |
| Net operating income to assets | 0.7980% | 3,320 |
| Return on assets (ROA) | 0.7980% | 3,462 |
| Pretax return on assets | 0.7980% | 4,287 |
| Return on Equity (ROE) | 6.6809% | 3,705 |
| Retained earnings to average equity (ytd only) | 4.1383% | 3,271 |
| Net charge-offs to loans | -0.0068% | 4,599 |
| Credit loss provision to net charge-offs | 225.0000% | 1,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3973% | 1,339 |
| Assets per employee ($millions) | 4.5230% | 2,981 |
| Cash dividends to net income (ytd only)* | 38.0577% | 2,513 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5150% | 120 |
| Loan loss allowance to noncurrent loans | 538.2732% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,893 |
| Noncurrent loans to loans | 0.6530% | 3,120 |
| Net loans and leases to total assets | 29.1375% | 5,799 |
| Net loans and leases to deposits | 35.8429% | 5,791 |
| Net loans and leases to core deposits | 36.7806% | 5,806 |
| Total domestic deposits to total assets | 81.2921% | 4,192 |
| Equity capital to assets | 11.7671% | 2,297 |
| Core capital (leverage) ratio | 11.9444% | 1,664 |
| Tier 1 risk-based capital ratio | 26.5927% | 683 |
| Total risk-based capital ratio | 27.8567% | 666 |
| Memoranda: |
| Average total assets | $381,966,330 | 1,752 |
| Average earning assets | $349,603,670 | 1,774 |
| Average equity | $45,622,670 | 1,662 |
| Average total loans | $118,436,330 | 3,106 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7949% | 5,858 |
| Cost of funding earning assets | 0.2364% | 4,847 |
| Net interest margin | 2.5585% | 5,758 |
| Noninterest income to average assets | 1.6598% | 434 |
| Noninterest expense to average assets | 3.4556% | 1,271 |
| Loan and lease loss provision to assets | -0.0043% | 5,872 |
| Net operating income to assets | 0.5444% | 4,448 |
| Return on assets (ROA) | 0.5444% | 4,550 |
| Pretax return on assets | 0.5444% | 4,969 |
| Return on Equity (ROE) | 4.5227% | 4,694 |
| Retained earnings to average equity (ytd only) | -0.6007% | 5,220 |
| Net charge-offs to loans | 0.0068% | 2,888 |
| Credit loss provision to net charge-offs | -200.0000% | 4,347 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 238 |
| Efficiency ratio | 86.4822% | 935 |
| Assets per employee ($millions) | 4.2543% | 3,484 |
| Cash dividends to net income (ytd only)* | 113.2813% | 582 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4694% | 143 |
| Loan loss allowance to noncurrent loans | 430.0721% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 2,261 |
| Noncurrent loans to loans | 0.8067% | 2,823 |
| Net loans and leases to total assets | 30.3458% | 5,817 |
| Net loans and leases to deposits | 36.7364% | 5,808 |
| Net loans and leases to core deposits | 37.7078% | 5,829 |
| Total domestic deposits to total assets | 82.6041% | 4,036 |
| Equity capital to assets | 11.8230% | 2,136 |
| Core capital (leverage) ratio | 11.9803% | 1,618 |
| Tier 1 risk-based capital ratio | 25.5017% | 772 |
| Total risk-based capital ratio | 26.7646% | 759 |
| Memoranda: |
| Average total assets | $376,201,000 | 1,782 |
| Average earning assets | $343,484,000 | 1,815 |
| Average equity | $45,282,500 | 1,667 |
| Average total loans | $118,238,500 | 3,112 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0241% | 5,706 |
| Cost of funding earning assets | 0.2335% | 4,974 |
| Net interest margin | 2.7906% | 5,534 |
| Noninterest income to average assets | 2.0726% | 344 |
| Noninterest expense to average assets | 3.8714% | 786 |
| Loan and lease loss provision to assets | 0.0201% | 4,000 |
| Net operating income to assets | 0.7158% | 3,735 |
| Return on assets (ROA) | 0.7252% | 3,790 |
| Pretax return on assets | 0.7252% | 4,455 |
| Return on Equity (ROE) | 6.0449% | 4,014 |
| Retained earnings to average equity (ytd only) | 2.3493% | 4,383 |
| Net charge-offs to loans | 0.3991% | 715 |
| Credit loss provision to net charge-offs | 15.2130% | 3,782 |
| Earnings coverage of net charge-offs (x) | 5.5822% | 3,361 |
| Efficiency ratio | 84.0279% | 1,177 |
| Assets per employee ($millions) | 4.0164% | 3,910 |
| Cash dividends to net income (ytd only)* | 61.1357% | 1,681 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6018% | 120 |
| Loan loss allowance to noncurrent loans | 591.5134% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.9431% | 2,311 |
| Noncurrent loans to loans | 0.6089% | 3,347 |
| Net loans and leases to total assets | 30.2908% | 5,879 |
| Net loans and leases to deposits | 36.4477% | 5,879 |
| Net loans and leases to core deposits | 37.4431% | 5,892 |
| Total domestic deposits to total assets | 83.1074% | 3,807 |
| Equity capital to assets | 12.2583% | 1,773 |
| Core capital (leverage) ratio | 12.0233% | 1,603 |
| Tier 1 risk-based capital ratio | 24.3216% | 885 |
| Total risk-based capital ratio | 25.5838% | 866 |
| Memoranda: |
| Average total assets | $373,971,600 | 1,754 |
| Average earning assets | $339,674,800 | 1,783 |
| Average equity | $44,864,600 | 1,646 |
| Average total loans | $123,533,800 | 3,000 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1131% | 5,692 |
| Cost of funding earning assets | 0.2316% | 5,077 |
| Net interest margin | 2.8816% | 5,446 |
| Noninterest income to average assets | 2.2046% | 312 |
| Noninterest expense to average assets | 4.0061% | 657 |
| Loan and lease loss provision to assets | 0.0295% | 3,649 |
| Net operating income to assets | 0.7831% | 3,508 |
| Return on assets (ROA) | 0.7831% | 3,595 |
| Pretax return on assets | 0.7831% | 4,389 |
| Return on Equity (ROE) | 6.5627% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.0097% | 3,609 |
| Net charge-offs to loans | 0.0160% | 3,634 |
| Credit loss provision to net charge-offs | 553.3333% | 604 |
| Earnings coverage of net charge-offs (x) | 152.3960% | 460 |
| Efficiency ratio | 83.1366% | 1,249 |
| Assets per employee ($millions) | 3.9067% | 4,071 |
| Cash dividends to net income (ytd only)* | 38.9016% | 2,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9139% | 96 |
| Loan loss allowance to noncurrent loans | 2,322.3881% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 2,438 |
| Noncurrent loans to loans | 0.1685% | 4,979 |
| Net loans and leases to total assets | 30.5563% | 5,954 |
| Net loans and leases to deposits | 37.0881% | 5,954 |
| Net loans and leases to core deposits | 38.2073% | 5,969 |
| Total domestic deposits to total assets | 82.3884% | 4,028 |
| Equity capital to assets | 12.1773% | 1,979 |
| Core capital (leverage) ratio | 11.8034% | 1,818 |
| Tier 1 risk-based capital ratio | 23.5414% | 994 |
| Total risk-based capital ratio | 24.8059% | 980 |
| Memoranda: |
| Average total assets | $375,086,500 | 1,763 |
| Average earning assets | $340,269,250 | 1,797 |
| Average equity | $44,756,750 | 1,662 |
| Average total loans | $125,389,750 | 2,985 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0609% | 5,786 |
| Cost of funding earning assets | 0.2311% | 5,133 |
| Net interest margin | 2.8298% | 5,554 |
| Noninterest income to average assets | 2.0682% | 351 |
| Noninterest expense to average assets | 3.9531% | 715 |
| Loan and lease loss provision to assets | 0.0059% | 3,982 |
| Net operating income to assets | 0.6750% | 4,002 |
| Return on assets (ROA) | 0.6750% | 4,115 |
| Pretax return on assets | 0.6750% | 4,735 |
| Return on Equity (ROE) | 5.6960% | 4,278 |
| Retained earnings to average equity (ytd only) | 1.8402% | 4,778 |
| Net charge-offs to loans | -0.0126% | 4,997 |
| Credit loss provision to net charge-offs | -137.5000% | 4,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3066% | 1,117 |
| Assets per employee ($millions) | 3.8994% | 4,077 |
| Cash dividends to net income (ytd only)* | 67.6935% | 1,275 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5482% | 156 |
| Loan loss allowance to noncurrent loans | 57,737.5000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 1.0030% | 2,519 |
| Noncurrent loans to loans | 0.0061% | 5,745 |
| Net loans and leases to total assets | 32.2004% | 5,967 |
| Net loans and leases to deposits | 39.2084% | 5,928 |
| Net loans and leases to core deposits | 40.2591% | 5,948 |
| Total domestic deposits to total assets | 82.1263% | 4,253 |
| Equity capital to assets | 11.4706% | 2,439 |
| Core capital (leverage) ratio | 11.6183% | 1,909 |
| Tier 1 risk-based capital ratio | 29.0395% | 587 |
| Total risk-based capital ratio | 30.3109% | 579 |
| Memoranda: |
| Average total assets | $375,101,330 | 1,774 |
| Average earning assets | $340,098,670 | 1,804 |
| Average equity | $44,452,330 | 1,679 |
| Average total loans | $127,430,670 | 2,959 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8047% | 6,067 |
| Cost of funding earning assets | 0.2319% | 5,193 |
| Net interest margin | 2.5728% | 5,945 |
| Noninterest income to average assets | 2.0866% | 350 |
| Noninterest expense to average assets | 3.8936% | 776 |
| Loan and lease loss provision to assets | -0.0044% | 6,083 |
| Net operating income to assets | 0.5265% | 4,559 |
| Return on assets (ROA) | 0.5265% | 4,677 |
| Pretax return on assets | 0.5265% | 5,107 |
| Return on Equity (ROE) | 4.3688% | 4,815 |
| Retained earnings to average equity (ytd only) | 0.0722% | 5,350 |
| Net charge-offs to loans | 0.0063% | 3,111 |
| Credit loss provision to net charge-offs | -200.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 235 |
| Efficiency ratio | 88.1744% | 1,004 |
| Assets per employee ($millions) | 3.7241% | 4,467 |
| Cash dividends to net income (ytd only)* | 98.3471% | 707 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6026% | 166 |
| Loan loss allowance to noncurrent loans | 30,626.6667% | 30 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 2,514 |
| Noncurrent loans to loans | 0.0118% | 5,758 |
| Net loans and leases to total assets | 33.0081% | 5,964 |
| Net loans and leases to deposits | 39.9938% | 5,913 |
| Net loans and leases to core deposits | 41.1109% | 5,933 |
| Total domestic deposits to total assets | 82.5333% | 4,337 |
| Equity capital to assets | 11.9088% | 2,093 |
| Core capital (leverage) ratio | 11.9947% | 1,641 |
| Tier 1 risk-based capital ratio | 29.5146% | 565 |
| Total risk-based capital ratio | 30.7866% | 554 |
| Memoranda: |
| Average total assets | $367,684,000 | 1,807 |
| Average earning assets | $332,869,000 | 1,847 |
| Average equity | $44,314,500 | 1,686 |
| Average total loans | $126,056,000 | 2,983 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1079% | 5,947 |
| Cost of funding earning assets | 0.2485% | 5,336 |
| Net interest margin | 2.8594% | 5,718 |
| Noninterest income to average assets | 2.2755% | 272 |
| Noninterest expense to average assets | 3.8705% | 888 |
| Loan and lease loss provision to assets | 0.0137% | 4,344 |
| Net operating income to assets | 0.9716% | 2,517 |
| Return on assets (ROA) | 0.9716% | 2,603 |
| Pretax return on assets | 0.9716% | 3,610 |
| Return on Equity (ROE) | 7.9809% | 3,146 |
| Retained earnings to average equity (ytd only) | -0.9940% | 5,917 |
| Net charge-offs to loans | 0.1883% | 2,168 |
| Credit loss provision to net charge-offs | 20.2429% | 3,972 |
| Earnings coverage of net charge-offs (x) | 14.6032% | 2,148 |
| Efficiency ratio | 79.7086% | 1,979 |
| Assets per employee ($millions) | 3.5239% | 4,864 |
| Cash dividends to net income (ytd only)* | 112.4543% | 248 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6920% | 162 |
| Loan loss allowance to noncurrent loans | 20,909.0909% | 46 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 2,536 |
| Noncurrent loans to loans | 0.0177% | 5,827 |
| Net loans and leases to total assets | 33.0596% | 6,080 |
| Net loans and leases to deposits | 39.5382% | 6,050 |
| Net loans and leases to core deposits | 40.6389% | 6,081 |
| Total domestic deposits to total assets | 83.6143% | 3,875 |
| Equity capital to assets | 12.1996% | 1,862 |
| Core capital (leverage) ratio | 11.9916% | 1,622 |
| Tier 1 risk-based capital ratio | 23.2191% | 1,048 |
| Total risk-based capital ratio | 24.4826% | 1,026 |
| Memoranda: |
| Average total assets | $366,080,800 | 1,777 |
| Average earning assets | $330,354,800 | 1,818 |
| Average equity | $44,568,800 | 1,621 |
| Average total loans | $131,147,000 | 2,850 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1097% | 6,019 |
| Cost of funding earning assets | 0.2510% | 5,397 |
| Net interest margin | 2.8587% | 5,781 |
| Noninterest income to average assets | 2.3322% | 271 |
| Noninterest expense to average assets | 3.9291% | 811 |
| Loan and lease loss provision to assets | 0.0051% | 4,312 |
| Net operating income to assets | 0.9769% | 2,557 |
| Return on assets (ROA) | 0.9769% | 2,628 |
| Pretax return on assets | 0.9769% | 3,689 |
| Return on Equity (ROE) | 8.0283% | 3,189 |
| Retained earnings to average equity (ytd only) | -1.6785% | 6,044 |
| Net charge-offs to loans | 0.1988% | 1,875 |
| Credit loss provision to net charge-offs | 7.0707% | 3,740 |
| Earnings coverage of net charge-offs (x) | 13.6467% | 2,208 |
| Efficiency ratio | 80.0044% | 1,917 |
| Assets per employee ($millions) | 3.6468% | 4,577 |
| Cash dividends to net income (ytd only)* | 120.9079% | 222 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5938% | 214 |
| Loan loss allowance to noncurrent loans | 3,271.6312% | 192 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 2,513 |
| Noncurrent loans to loans | 0.1098% | 5,602 |
| Net loans and leases to total assets | 33.5977% | 6,130 |
| Net loans and leases to deposits | 40.5091% | 6,103 |
| Net loans and leases to core deposits | 41.7354% | 6,126 |
| Total domestic deposits to total assets | 82.9386% | 4,170 |
| Equity capital to assets | 11.9881% | 2,068 |
| Core capital (leverage) ratio | 11.5852% | 1,990 |
| Tier 1 risk-based capital ratio | 22.9678% | 1,119 |
| Total risk-based capital ratio | 24.2319% | 1,093 |
| Memoranda: |
| Average total assets | $366,860,250 | 1,785 |
| Average earning assets | $330,960,500 | 1,826 |
| Average equity | $44,641,000 | 1,618 |
| Average total loans | $132,785,250 | 2,821 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9705% | 6,211 |
| Cost of funding earning assets | 0.2550% | 5,438 |
| Net interest margin | 2.7155% | 6,036 |
| Noninterest income to average assets | 2.4396% | 249 |
| Noninterest expense to average assets | 3.9850% | 779 |
| Loan and lease loss provision to assets | 0.0082% | 4,073 |
| Net operating income to assets | 0.8936% | 2,848 |
| Return on assets (ROA) | 0.8936% | 2,942 |
| Pretax return on assets | 0.8936% | 3,911 |
| Return on Equity (ROE) | 7.3075% | 3,463 |
| Retained earnings to average equity (ytd only) | 0.6116% | 5,490 |
| Net charge-offs to loans | 0.2622% | 1,499 |
| Credit loss provision to net charge-offs | 8.5227% | 3,319 |
| Earnings coverage of net charge-offs (x) | 9.3864% | 2,363 |
| Efficiency ratio | 81.5460% | 1,802 |
| Assets per employee ($millions) | 3.7568% | 4,339 |
| Cash dividends to net income (ytd only)* | 91.6310% | 655 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5202% | 245 |
| Loan loss allowance to noncurrent loans | 119.0855% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 2.4036% | 1,198 |
| Noncurrent loans to loans | 2.9560% | 997 |
| Net loans and leases to total assets | 33.8219% | 6,158 |
| Net loans and leases to deposits | 41.4930% | 6,087 |
| Net loans and leases to core deposits | 42.7339% | 6,121 |
| Total domestic deposits to total assets | 81.5122% | 4,810 |
| Equity capital to assets | 11.9389% | 2,028 |
| Core capital (leverage) ratio | 12.1388% | 1,579 |
| Tier 1 risk-based capital ratio | 23.4455% | 1,053 |
| Total risk-based capital ratio | 24.7101% | 1,037 |
| Memoranda: |
| Average total assets | $366,372,670 | 1,789 |
| Average earning assets | $330,178,670 | 1,824 |
| Average equity | $44,803,000 | 1,596 |
| Average total loans | $134,260,000 | 2,804 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9788% | 6,261 |
| Cost of funding earning assets | 0.2595% | 5,499 |
| Net interest margin | 2.7193% | 6,087 |
| Noninterest income to average assets | 2.5556% | 232 |
| Noninterest expense to average assets | 4.1281% | 653 |
| Loan and lease loss provision to assets | 0.0188% | 3,584 |
| Net operating income to assets | 0.8537% | 2,879 |
| Return on assets (ROA) | 0.8537% | 2,949 |
| Pretax return on assets | 0.8537% | 3,887 |
| Return on Equity (ROE) | 6.8962% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.4297% | 4,613 |
| Net charge-offs to loans | 0.4810% | 761 |
| Credit loss provision to net charge-offs | 10.4294% | 2,602 |
| Earnings coverage of net charge-offs (x) | 4.8405% | 2,463 |
| Efficiency ratio | 82.5520% | 1,859 |
| Assets per employee ($millions) | 3.5883% | 4,744 |
| Cash dividends to net income (ytd only)* | 64.7668% | 1,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4427% | 280 |
| Loan loss allowance to noncurrent loans | 10,570.4545% | 75 |
| Noncurrent assets plus other real estate owned to assets | 1.7062% | 2,069 |
| Noncurrent loans to loans | 0.0326% | 6,051 |
| Net loans and leases to total assets | 35.6398% | 6,086 |
| Net loans and leases to deposits | 43.3421% | 6,007 |
| Net loans and leases to core deposits | 44.6603% | 6,046 |
| Total domestic deposits to total assets | 82.2291% | 4,879 |
| Equity capital to assets | 12.2806% | 1,701 |
| Core capital (leverage) ratio | 12.3989% | 1,435 |
| Tier 1 risk-based capital ratio | 23.1713% | 1,118 |
| Total risk-based capital ratio | 24.4354% | 1,101 |
| Memoranda: |
| Average total assets | $361,719,000 | 1,817 |
| Average earning assets | $325,235,500 | 1,852 |
| Average equity | $44,778,500 | 1,588 |
| Average total loans | $135,541,000 | 2,804 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4233% | 5,791 |
| Cost of funding earning assets | 0.2669% | 5,854 |
| Net interest margin | 3.1564% | 5,138 |
| Noninterest income to average assets | 2.3853% | 300 |
| Noninterest expense to average assets | 4.0182% | 857 |
| Loan and lease loss provision to assets | 0.0953% | 3,217 |
| Net operating income to assets | 1.0866% | 1,973 |
| Return on assets (ROA) | 1.0866% | 2,052 |
| Pretax return on assets | 1.0866% | 2,999 |
| Return on Equity (ROE) | 8.8710% | 2,608 |
| Retained earnings to average equity (ytd only) | -0.0934% | 5,886 |
| Net charge-offs to loans | 0.4407% | 1,509 |
| Credit loss provision to net charge-offs | 57.9470% | 3,624 |
| Earnings coverage of net charge-offs (x) | 7.1854% | 2,897 |
| Efficiency ratio | 77.2715% | 2,577 |
| Assets per employee ($millions) | 3.5389% | 4,826 |
| Cash dividends to net income (ytd only)* | 101.0526% | 381 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5276% | 284 |
| Loan loss allowance to noncurrent loans | 927.8530% | 543 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 1,870 |
| Noncurrent loans to loans | 0.3802% | 5,054 |
| Net loans and leases to total assets | 36.7035% | 6,168 |
| Net loans and leases to deposits | 44.3221% | 6,106 |
| Net loans and leases to core deposits | 45.7337% | 6,149 |
| Total domestic deposits to total assets | 82.8109% | 4,606 |
| Equity capital to assets | 12.4805% | 1,519 |
| Core capital (leverage) ratio | 12.0926% | 1,537 |
| Tier 1 risk-based capital ratio | 22.0349% | 1,251 |
| Total risk-based capital ratio | 23.2985% | 1,223 |
| Memoranda: |
| Average total assets | $367,203,000 | 1,774 |
| Average earning assets | $327,461,800 | 1,815 |
| Average equity | $44,978,000 | 1,554 |
| Average total loans | $137,042,200 | 2,749 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5243% | 5,629 |
| Cost of funding earning assets | 0.2629% | 6,006 |
| Net interest margin | 3.2614% | 4,786 |
| Noninterest income to average assets | 2.3925% | 315 |
| Noninterest expense to average assets | 4.0914% | 775 |
| Loan and lease loss provision to assets | 0.0379% | 4,251 |
| Net operating income to assets | 1.1669% | 1,751 |
| Return on assets (ROA) | 1.1669% | 1,825 |
| Pretax return on assets | 1.1669% | 2,822 |
| Return on Equity (ROE) | 9.5700% | 2,367 |
| Retained earnings to average equity (ytd only) | 2.0797% | 5,079 |
| Net charge-offs to loans | 0.4146% | 1,553 |
| Credit loss provision to net charge-offs | 24.5902% | 3,989 |
| Earnings coverage of net charge-offs (x) | 7.8220% | 2,725 |
| Efficiency ratio | 77.2526% | 2,522 |
| Assets per employee ($millions) | 3.5308% | 4,788 |
| Cash dividends to net income (ytd only)* | 78.2690% | 842 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5308% | 329 |
| Loan loss allowance to noncurrent loans | 697.4926% | 680 |
| Noncurrent assets plus other real estate owned to assets | 2.4341% | 1,591 |
| Noncurrent loans to loans | 0.5062% | 4,933 |
| Net loans and leases to total assets | 34.8512% | 6,328 |
| Net loans and leases to deposits | 42.3033% | 6,288 |
| Net loans and leases to core deposits | 43.6060% | 6,320 |
| Total domestic deposits to total assets | 82.3842% | 4,797 |
| Equity capital to assets | 12.2680% | 1,735 |
| Core capital (leverage) ratio | 12.1044% | 1,612 |
| Tier 1 risk-based capital ratio | 21.5641% | 1,391 |
| Total risk-based capital ratio | 22.8265% | 1,361 |
| Memoranda: |
| Average total assets | $369,646,500 | 1,775 |
| Average earning assets | $329,098,750 | 1,817 |
| Average equity | $45,070,250 | 1,566 |
| Average total loans | $137,306,250 | 2,754 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5139% | 5,663 |
| Cost of funding earning assets | 0.2653% | 6,074 |
| Net interest margin | 3.2487% | 4,774 |
| Noninterest income to average assets | 2.3911% | 343 |
| Noninterest expense to average assets | 4.0744% | 797 |
| Loan and lease loss provision to assets | 0.0341% | 4,261 |
| Net operating income to assets | 1.1677% | 1,677 |
| Return on assets (ROA) | 1.1677% | 1,789 |
| Pretax return on assets | 1.1677% | 2,812 |
| Return on Equity (ROE) | 9.5965% | 2,371 |
| Retained earnings to average equity (ytd only) | 2.1543% | 4,905 |
| Net charge-offs to loans | 0.5028% | 1,305 |
| Credit loss provision to net charge-offs | 18.1034% | 3,762 |
| Earnings coverage of net charge-offs (x) | 6.3764% | 2,728 |
| Efficiency ratio | 77.2223% | 2,592 |
| Assets per employee ($millions) | 3.6915% | 4,419 |
| Cash dividends to net income (ytd only)* | 77.5510% | 976 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4442% | 388 |
| Loan loss allowance to noncurrent loans | 525.0000% | 832 |
| Noncurrent assets plus other real estate owned to assets | 2.7081% | 1,543 |
| Noncurrent loans to loans | 0.6560% | 4,628 |
| Net loans and leases to total assets | 35.4917% | 6,330 |
| Net loans and leases to deposits | 43.2903% | 6,268 |
| Net loans and leases to core deposits | 44.6829% | 6,300 |
| Total domestic deposits to total assets | 81.9854% | 5,066 |
| Equity capital to assets | 12.0221% | 1,901 |
| Core capital (leverage) ratio | 12.0094% | 1,608 |
| Tier 1 risk-based capital ratio | 21.4475% | 1,393 |
| Total risk-based capital ratio | 22.7096% | 1,365 |
| Memoranda: |
| Average total assets | $369,283,330 | 1,773 |
| Average earning assets | $327,951,330 | 1,828 |
| Average equity | $44,933,000 | 1,579 |
| Average total loans | $138,430,000 | 2,740 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2375% | 6,254 |
| Cost of funding earning assets | 0.2658% | 6,188 |
| Net interest margin | 2.9717% | 5,650 |
| Noninterest income to average assets | 2.3585% | 344 |
| Noninterest expense to average assets | 4.0366% | 850 |
| Loan and lease loss provision to assets | -0.0077% | 6,731 |
| Net operating income to assets | 0.9594% | 2,405 |
| Return on assets (ROA) | 0.9594% | 2,536 |
| Pretax return on assets | 0.9594% | 3,528 |
| Return on Equity (ROE) | 7.8363% | 3,059 |
| Retained earnings to average equity (ytd only) | -0.4289% | 5,865 |
| Net charge-offs to loans | 0.0029% | 4,112 |
| Credit loss provision to net charge-offs | -700.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | 870.0000% | 28 |
| Efficiency ratio | 80.9211% | 2,192 |
| Assets per employee ($millions) | 3.7285% | 4,494 |
| Cash dividends to net income (ytd only)* | 105.4732% | 591 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6444% | 376 |
| Loan loss allowance to noncurrent loans | 296.4727% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 3.0119% | 1,491 |
| Noncurrent loans to loans | 1.2292% | 3,720 |
| Net loans and leases to total assets | 35.7610% | 6,316 |
| Net loans and leases to deposits | 42.9560% | 6,275 |
| Net loans and leases to core deposits | 44.3286% | 6,298 |
| Total domestic deposits to total assets | 83.2504% | 4,775 |
| Equity capital to assets | 11.9987% | 2,045 |
| Core capital (leverage) ratio | 12.1801% | 1,472 |
| Tier 1 risk-based capital ratio | 20.9915% | 1,540 |
| Total risk-based capital ratio | 22.2597% | 1,507 |
| Memoranda: |
| Average total assets | $365,658,500 | 1,804 |
| Average earning assets | $323,580,500 | 1,867 |
| Average equity | $44,766,000 | 1,595 |
| Average total loans | $138,442,500 | 2,756 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7838% | 5,871 |
| Cost of funding earning assets | 0.3289% | 6,317 |
| Net interest margin | 3.4549% | 4,688 |
| Noninterest income to average assets | 2.4134% | 332 |
| Noninterest expense to average assets | 3.9284% | 1,069 |
| Loan and lease loss provision to assets | 0.3067% | 2,228 |
| Net operating income to assets | 1.1876% | 1,645 |
| Return on assets (ROA) | 1.1876% | 1,805 |
| Pretax return on assets | 1.1876% | 2,844 |
| Return on Equity (ROE) | 9.7033% | 2,313 |
| Retained earnings to average equity (ytd only) | 2.0641% | 4,771 |
| Net charge-offs to loans | 0.2876% | 3,222 |
| Credit loss provision to net charge-offs | 268.2578% | 900 |
| Earnings coverage of net charge-offs (x) | 13.0716% | 1,867 |
| Efficiency ratio | 72.4442% | 3,333 |
| Assets per employee ($millions) | 3.2887% | 5,440 |
| Cash dividends to net income (ytd only)* | 78.7273% | 1,045 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6467% | 378 |
| Loan loss allowance to noncurrent loans | 401.1914% | 994 |
| Noncurrent assets plus other real estate owned to assets | 3.0248% | 1,563 |
| Noncurrent loans to loans | 0.9090% | 4,362 |
| Net loans and leases to total assets | 37.2296% | 6,356 |
| Net loans and leases to deposits | 44.3871% | 6,346 |
| Net loans and leases to core deposits | 46.0239% | 6,369 |
| Total domestic deposits to total assets | 83.8749% | 4,371 |
| Equity capital to assets | 12.4963% | 1,715 |
| Core capital (leverage) ratio | 11.8807% | 1,627 |
| Tier 1 risk-based capital ratio | 21.2544% | 1,407 |
| Total risk-based capital ratio | 22.5229% | 1,378 |
| Memoranda: |
| Average total assets | $366,533,800 | 1,779 |
| Average earning assets | $319,259,000 | 1,856 |
| Average equity | $44,861,200 | 1,552 |
| Average total loans | $145,690,000 | 2,635 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7635% | 6,103 |
| Cost of funding earning assets | 0.3365% | 6,437 |
| Net interest margin | 3.4270% | 4,936 |
| Noninterest income to average assets | 2.3573% | 331 |
| Noninterest expense to average assets | 4.0959% | 830 |
| Loan and lease loss provision to assets | 0.0228% | 5,509 |
| Net operating income to assets | 1.2195% | 1,669 |
| Return on assets (ROA) | 1.2195% | 1,843 |
| Pretax return on assets | 1.2195% | 2,916 |
| Return on Equity (ROE) | 10.0151% | 2,342 |
| Retained earnings to average equity (ytd only) | 5.7756% | 2,851 |
| Net charge-offs to loans | 0.2812% | 3,039 |
| Credit loss provision to net charge-offs | 20.2572% | 4,951 |
| Earnings coverage of net charge-offs (x) | 11.0417% | 2,120 |
| Efficiency ratio | 76.7281% | 2,558 |
| Assets per employee ($millions) | 3.3806% | 5,257 |
| Cash dividends to net income (ytd only)* | 42.3317% | 2,039 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8959% | 807 |
| Loan loss allowance to noncurrent loans | 277.0791% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 2.9604% | 1,768 |
| Noncurrent loans to loans | 1.0451% | 4,354 |
| Net loans and leases to total assets | 36.6192% | 6,513 |
| Net loans and leases to deposits | 43.7476% | 6,521 |
| Net loans and leases to core deposits | 45.4677% | 6,537 |
| Total domestic deposits to total assets | 83.7057% | 4,356 |
| Equity capital to assets | 12.2109% | 2,105 |
| Core capital (leverage) ratio | 12.1498% | 1,562 |
| Tier 1 risk-based capital ratio | 21.2755% | 1,461 |
| Total risk-based capital ratio | 22.5380% | 1,428 |
| Memoranda: |
| Average total assets | $368,550,500 | 1,789 |
| Average earning assets | $320,581,000 | 1,871 |
| Average equity | $44,877,750 | 1,567 |
| Average total loans | $147,485,750 | 2,642 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6982% | 6,341 |
| Cost of funding earning assets | 0.3551% | 6,492 |
| Net interest margin | 3.3431% | 5,294 |
| Noninterest income to average assets | 2.3570% | 319 |
| Noninterest expense to average assets | 4.1352% | 796 |
| Loan and lease loss provision to assets | -0.0066% | 7,022 |
| Net operating income to assets | 1.1378% | 1,920 |
| Return on assets (ROA) | 1.1378% | 2,137 |
| Pretax return on assets | 1.1378% | 3,158 |
| Return on Equity (ROE) | 9.3530% | 2,646 |
| Retained earnings to average equity (ytd only) | 6.1845% | 2,577 |
| Net charge-offs to loans | 0.3318% | 2,699 |
| Credit loss provision to net charge-offs | -4.8387% | 5,913 |
| Earnings coverage of net charge-offs (x) | 8.3548% | 2,310 |
| Efficiency ratio | 78.5196% | 2,392 |
| Assets per employee ($millions) | 3.3572% | 5,311 |
| Cash dividends to net income (ytd only)* | 33.8772% | 2,444 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7464% | 992 |
| Loan loss allowance to noncurrent loans | 115.0014% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 3.5449% | 1,498 |
| Noncurrent loans to loans | 2.3881% | 2,509 |
| Net loans and leases to total assets | 38.8285% | 6,414 |
| Net loans and leases to deposits | 47.0346% | 6,373 |
| Net loans and leases to core deposits | 49.0566% | 6,395 |
| Total domestic deposits to total assets | 82.5531% | 4,933 |
| Equity capital to assets | 12.1450% | 2,034 |
| Core capital (leverage) ratio | 12.3056% | 1,446 |
| Tier 1 risk-based capital ratio | 20.9821% | 1,484 |
| Total risk-based capital ratio | 22.2446% | 1,455 |
| Memoranda: |
| Average total assets | $366,318,000 | 1,798 |
| Average earning assets | $318,803,330 | 1,877 |
| Average equity | $44,563,330 | 1,566 |
| Average total loans | $149,477,330 | 2,625 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7198% | 6,406 |
| Cost of funding earning assets | 0.3960% | 6,428 |
| Net interest margin | 3.3239% | 5,392 |
| Noninterest income to average assets | 2.2976% | 334 |
| Noninterest expense to average assets | 4.0776% | 852 |
| Loan and lease loss provision to assets | 0.0033% | 5,227 |
| Net operating income to assets | 1.1015% | 2,077 |
| Return on assets (ROA) | 1.1015% | 2,264 |
| Pretax return on assets | 1.1015% | 3,318 |
| Return on Equity (ROE) | 9.0465% | 2,804 |
| Retained earnings to average equity (ytd only) | 6.0883% | 2,907 |
| Net charge-offs to loans | -0.3097% | 7,076 |
| Credit loss provision to net charge-offs | -2.5862% | 5,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6823% | 2,402 |
| Assets per employee ($millions) | 3.2540% | 5,656 |
| Cash dividends to net income (ytd only)* | 32.7000% | 2,000 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9866% | 844 |
| Loan loss allowance to noncurrent loans | 108.5846% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 3.6735% | 1,546 |
| Noncurrent loans to loans | 2.7505% | 2,367 |
| Net loans and leases to total assets | 39.0976% | 6,423 |
| Net loans and leases to deposits | 47.4408% | 6,327 |
| Net loans and leases to core deposits | 50.0233% | 6,342 |
| Total domestic deposits to total assets | 82.4135% | 5,159 |
| Equity capital to assets | 12.0104% | 2,032 |
| Core capital (leverage) ratio | 12.2527% | 1,458 |
| Tier 1 risk-based capital ratio | 20.4843% | 1,593 |
| Total risk-based capital ratio | 21.7488% | 1,567 |
| Memoranda: |
| Average total assets | $363,154,000 | 1,822 |
| Average earning assets | $315,175,000 | 1,901 |
| Average equity | $44,216,000 | 1,569 |
| Average total loans | $149,826,500 | 2,634 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7162% | 6,829 |
| Cost of funding earning assets | 0.6194% | 5,986 |
| Net interest margin | 3.0968% | 6,355 |
| Noninterest income to average assets | 2.2716% | 313 |
| Noninterest expense to average assets | 3.9889% | 1,053 |
| Loan and lease loss provision to assets | 0.2703% | 3,513 |
| Net operating income to assets | 0.7261% | 3,348 |
| Return on assets (ROA) | 0.7261% | 3,530 |
| Pretax return on assets | 0.7261% | 4,235 |
| Return on Equity (ROE) | 5.8392% | 3,949 |
| Retained earnings to average equity (ytd only) | -3.4845% | 6,326 |
| Net charge-offs to loans | 0.5054% | 2,971 |
| Credit loss provision to net charge-offs | 126.2821% | 2,465 |
| Earnings coverage of net charge-offs (x) | 4.6551% | 3,032 |
| Efficiency ratio | 80.0132% | 2,299 |
| Assets per employee ($millions) | 3.0634% | 5,969 |
| Cash dividends to net income (ytd only)* | 159.6750% | 126 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8944% | 896 |
| Loan loss allowance to noncurrent loans | 370.1874% | 903 |
| Noncurrent assets plus other real estate owned to assets | 3.0201% | 1,989 |
| Noncurrent loans to loans | 0.7819% | 5,121 |
| Net loans and leases to total assets | 41.0318% | 6,459 |
| Net loans and leases to deposits | 49.6887% | 6,381 |
| Net loans and leases to core deposits | 52.5340% | 6,400 |
| Total domestic deposits to total assets | 82.5777% | 4,936 |
| Equity capital to assets | 12.3480% | 1,881 |
| Core capital (leverage) ratio | 11.7865% | 1,717 |
| Tier 1 risk-based capital ratio | 20.2930% | 1,570 |
| Total risk-based capital ratio | 21.5565% | 1,546 |
| Memoranda: |
| Average total assets | $364,410,400 | 1,780 |
| Average earning assets | $319,333,800 | 1,843 |
| Average equity | $45,314,600 | 1,501 |
| Average total loans | $154,324,000 | 2,578 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6873% | 6,944 |
| Cost of funding earning assets | 0.6317% | 6,123 |
| Net interest margin | 3.0556% | 6,480 |
| Noninterest income to average assets | 2.2435% | 315 |
| Noninterest expense to average assets | 3.9311% | 1,101 |
| Loan and lease loss provision to assets | 0.0156% | 6,237 |
| Net operating income to assets | 0.9774% | 2,406 |
| Return on assets (ROA) | 0.9774% | 2,568 |
| Pretax return on assets | 0.9774% | 3,485 |
| Return on Equity (ROE) | 7.8468% | 3,108 |
| Retained earnings to average equity (ytd only) | -0.3999% | 6,050 |
| Net charge-offs to loans | 0.1502% | 4,566 |
| Credit loss provision to net charge-offs | 24.5714% | 5,498 |
| Earnings coverage of net charge-offs (x) | 15.6055% | 1,453 |
| Efficiency ratio | 79.8331% | 2,276 |
| Assets per employee ($millions) | 3.2235% | 5,626 |
| Cash dividends to net income (ytd only)* | 105.0967% | 263 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5893% | 1,277 |
| Loan loss allowance to noncurrent loans | 251.3480% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 3.0434% | 2,107 |
| Noncurrent loans to loans | 1.0302% | 4,839 |
| Net loans and leases to total assets | 40.6845% | 6,585 |
| Net loans and leases to deposits | 48.7371% | 6,585 |
| Net loans and leases to core deposits | 51.2230% | 6,607 |
| Total domestic deposits to total assets | 83.4775% | 4,490 |
| Equity capital to assets | 12.2285% | 2,070 |
| Core capital (leverage) ratio | 12.1558% | 1,615 |
| Tier 1 risk-based capital ratio | 19.8275% | 1,725 |
| Total risk-based capital ratio | 21.0880% | 1,696 |
| Memoranda: |
| Average total assets | $366,674,500 | 1,776 |
| Average earning assets | $321,677,000 | 1,843 |
| Average equity | $45,673,500 | 1,486 |
| Average total loans | $155,366,500 | 2,584 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6729% | 7,036 |
| Cost of funding earning assets | 0.6515% | 6,222 |
| Net interest margin | 3.0214% | 6,570 |
| Noninterest income to average assets | 2.2829% | 304 |
| Noninterest expense to average assets | 3.9044% | 1,184 |
| Loan and lease loss provision to assets | -0.0016% | 7,354 |
| Net operating income to assets | 1.0358% | 2,084 |
| Return on assets (ROA) | 1.0358% | 2,181 |
| Pretax return on assets | 1.0358% | 3,095 |
| Return on Equity (ROE) | 8.2642% | 2,827 |
| Retained earnings to average equity (ytd only) | 2.4766% | 4,706 |
| Net charge-offs to loans | 0.0579% | 5,073 |
| Credit loss provision to net charge-offs | -6.6667% | 6,173 |
| Earnings coverage of net charge-offs (x) | 41.9778% | 717 |
| Efficiency ratio | 79.0600% | 2,547 |
| Assets per employee ($millions) | 3.1987% | 5,644 |
| Cash dividends to net income (ytd only)* | 70.0317% | 1,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6698% | 1,209 |
| Loan loss allowance to noncurrent loans | 68.4219% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 3.9230% | 1,645 |
| Noncurrent loans to loans | 3.9019% | 1,780 |
| Net loans and leases to total assets | 40.9203% | 6,675 |
| Net loans and leases to deposits | 50.1152% | 6,584 |
| Net loans and leases to core deposits | 52.8107% | 6,621 |
| Total domestic deposits to total assets | 81.6524% | 5,294 |
| Equity capital to assets | 12.6327% | 1,717 |
| Core capital (leverage) ratio | 12.1993% | 1,507 |
| Tier 1 risk-based capital ratio | 20.3402% | 1,547 |
| Total risk-based capital ratio | 21.5927% | 1,517 |
| Memoranda: |
| Average total assets | $365,332,330 | 1,790 |
| Average earning assets | $321,109,670 | 1,856 |
| Average equity | $45,787,670 | 1,476 |
| Average total loans | $155,546,330 | 2,604 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6016% | 7,137 |
| Cost of funding earning assets | 0.6727% | 6,285 |
| Net interest margin | 2.9288% | 6,708 |
| Noninterest income to average assets | 2.4218% | 276 |
| Noninterest expense to average assets | 3.9193% | 1,150 |
| Loan and lease loss provision to assets | 0.0066% | 5,798 |
| Net operating income to assets | 1.0676% | 1,956 |
| Return on assets (ROA) | 1.0676% | 2,007 |
| Pretax return on assets | 1.0676% | 2,876 |
| Return on Equity (ROE) | 8.5522% | 2,676 |
| Retained earnings to average equity (ytd only) | 3.8205% | 3,880 |
| Net charge-offs to loans | 0.0613% | 4,313 |
| Credit loss provision to net charge-offs | 25.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | 40.9167% | 674 |
| Efficiency ratio | 78.4885% | 2,772 |
| Assets per employee ($millions) | 3.3440% | 5,379 |
| Cash dividends to net income (ytd only)* | 55.3279% | 1,352 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6513% | 1,256 |
| Loan loss allowance to noncurrent loans | 98.9678% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 3.4325% | 1,983 |
| Noncurrent loans to loans | 2.6789% | 2,813 |
| Net loans and leases to total assets | 40.7847% | 6,720 |
| Net loans and leases to deposits | 49.7448% | 6,639 |
| Net loans and leases to core deposits | 52.2527% | 6,668 |
| Total domestic deposits to total assets | 81.9878% | 5,321 |
| Equity capital to assets | 12.3471% | 1,713 |
| Core capital (leverage) ratio | 12.4212% | 1,363 |
| Tier 1 risk-based capital ratio | 18.3680% | 2,000 |
| Total risk-based capital ratio | 19.6229% | 1,951 |
| Memoranda: |
| Average total assets | $365,674,500 | 1,801 |
| Average earning assets | $321,082,000 | 1,871 |
| Average equity | $45,649,000 | 1,471 |
| Average total loans | $156,665,500 | 2,607 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9215% | 7,186 |
| Cost of funding earning assets | 0.9202% | 6,081 |
| Net interest margin | 3.0013% | 6,734 |
| Noninterest income to average assets | 2.8129% | 247 |
| Noninterest expense to average assets | 4.3265% | 786 |
| Loan and lease loss provision to assets | 0.5712% | 2,846 |
| Net operating income to assets | 0.5784% | 3,766 |
| Return on assets (ROA) | 0.5784% | 3,925 |
| Pretax return on assets | 0.5784% | 4,389 |
| Return on Equity (ROE) | 4.4688% | 4,311 |
| Retained earnings to average equity (ytd only) | -0.2442% | 5,657 |
| Net charge-offs to loans | 1.4778% | 1,489 |
| Credit loss provision to net charge-offs | 81.8435% | 5,492 |
| Earnings coverage of net charge-offs (x) | 1.6472% | 4,499 |
| Efficiency ratio | 79.0076% | 2,537 |
| Assets per employee ($millions) | 3.1318% | 5,816 |
| Cash dividends to net income (ytd only)* | 105.4650% | 328 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6239% | 1,267 |
| Loan loss allowance to noncurrent loans | 88.8055% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 3.6756% | 1,873 |
| Noncurrent loans to loans | 2.9546% | 2,586 |
| Net loans and leases to total assets | 42.6695% | 6,812 |
| Net loans and leases to deposits | 52.2300% | 6,732 |
| Net loans and leases to core deposits | 55.1344% | 6,744 |
| Total domestic deposits to total assets | 81.6954% | 5,292 |
| Equity capital to assets | 12.6241% | 1,562 |
| Core capital (leverage) ratio | 11.9895% | 1,556 |
| Tier 1 risk-based capital ratio | 18.2280% | 1,930 |
| Total risk-based capital ratio | 19.4832% | 1,891 |
| Memoranda: |
| Average total assets | $360,657,800 | 1,813 |
| Average earning assets | $320,032,600 | 1,857 |
| Average equity | $46,679,200 | 1,437 |
| Average total loans | $170,322,400 | 2,467 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9443% | 7,315 |
| Cost of funding earning assets | 0.9645% | 6,116 |
| Net interest margin | 2.9798% | 6,868 |
| Noninterest income to average assets | 2.8197% | 231 |
| Noninterest expense to average assets | 4.3212% | 729 |
| Loan and lease loss provision to assets | 0.0185% | 6,868 |
| Net operating income to assets | 1.1312% | 1,795 |
| Return on assets (ROA) | 1.1312% | 1,906 |
| Pretax return on assets | 1.1312% | 2,728 |
| Return on Equity (ROE) | 8.6867% | 2,611 |
| Retained earnings to average equity (ytd only) | 5.5651% | 2,610 |
| Net charge-offs to loans | 0.3313% | 4,004 |
| Credit loss provision to net charge-offs | 11.6009% | 6,323 |
| Earnings coverage of net charge-offs (x) | 7.2181% | 2,367 |
| Efficiency ratio | 78.9854% | 2,489 |
| Assets per employee ($millions) | 3.0669% | 5,995 |
| Cash dividends to net income (ytd only)* | 35.9360% | 2,266 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5593% | 1,258 |
| Loan loss allowance to noncurrent loans | 42.4032% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 4.8663% | 1,339 |
| Noncurrent loans to loans | 6.0355% | 1,030 |
| Net loans and leases to total assets | 43.9930% | 6,843 |
| Net loans and leases to deposits | 53.5624% | 6,795 |
| Net loans and leases to core deposits | 56.6514% | 6,823 |
| Total domestic deposits to total assets | 82.1342% | 4,942 |
| Equity capital to assets | 13.0707% | 1,538 |
| Core capital (leverage) ratio | 12.5592% | 1,380 |
| Tier 1 risk-based capital ratio | 18.7251% | 1,816 |
| Total risk-based capital ratio | 19.9800% | 1,786 |
| Memoranda: |
| Average total assets | $360,782,000 | 1,836 |
| Average earning assets | $320,995,750 | 1,874 |
| Average equity | $46,982,250 | 1,434 |
| Average total loans | $173,448,000 | 2,470 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9094% | 7,420 |
| Cost of funding earning assets | 0.9630% | 6,324 |
| Net interest margin | 2.9464% | 6,942 |
| Noninterest income to average assets | 2.6818% | 246 |
| Noninterest expense to average assets | 4.1532% | 862 |
| Loan and lease loss provision to assets | 0.0345% | 6,610 |
| Net operating income to assets | 1.1163% | 1,797 |
| Return on assets (ROA) | 1.1163% | 1,864 |
| Pretax return on assets | 1.1163% | 2,727 |
| Return on Equity (ROE) | 8.5833% | 2,630 |
| Retained earnings to average equity (ytd only) | 4.9677% | 2,923 |
| Net charge-offs to loans | 0.5421% | 2,903 |
| Credit loss provision to net charge-offs | 12.9707% | 5,911 |
| Earnings coverage of net charge-offs (x) | 4.3264% | 2,989 |
| Efficiency ratio | 78.3024% | 2,677 |
| Assets per employee ($millions) | 3.1847% | 5,714 |
| Cash dividends to net income (ytd only)* | 42.1236% | 1,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4339% | 1,391 |
| Loan loss allowance to noncurrent loans | 45.3727% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 5.2062% | 1,216 |
| Noncurrent loans to loans | 5.3643% | 1,241 |
| Net loans and leases to total assets | 44.9905% | 6,853 |
| Net loans and leases to deposits | 57.8456% | 6,586 |
| Net loans and leases to core deposits | 61.1703% | 6,625 |
| Total domestic deposits to total assets | 77.7768% | 6,319 |
| Equity capital to assets | 12.6559% | 1,708 |
| Core capital (leverage) ratio | 12.5662% | 1,383 |
| Tier 1 risk-based capital ratio | 18.6533% | 1,795 |
| Total risk-based capital ratio | 19.9083% | 1,764 |
| Memoranda: |
| Average total assets | $359,389,330 | 1,862 |
| Average earning assets | $319,845,670 | 1,897 |
| Average equity | $46,742,000 | 1,439 |
| Average total loans | $176,339,330 | 2,466 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8335% | 7,571 |
| Cost of funding earning assets | 0.9861% | 6,438 |
| Net interest margin | 2.8474% | 7,107 |
| Noninterest income to average assets | 2.8176% | 223 |
| Noninterest expense to average assets | 4.3381% | 688 |
| Loan and lease loss provision to assets | 0.0726% | 5,909 |
| Net operating income to assets | 0.9377% | 2,403 |
| Return on assets (ROA) | 0.9377% | 2,465 |
| Pretax return on assets | 0.9377% | 3,319 |
| Return on Equity (ROE) | 7.1087% | 3,288 |
| Retained earnings to average equity (ytd only) | 3.7993% | 3,863 |
| Net charge-offs to loans | 0.6495% | 2,200 |
| Credit loss provision to net charge-offs | 22.0690% | 4,924 |
| Earnings coverage of net charge-offs (x) | 3.0724% | 3,027 |
| Efficiency ratio | 81.1109% | 2,399 |
| Assets per employee ($millions) | 2.9544% | 6,322 |
| Cash dividends to net income (ytd only)* | 46.5538% | 1,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4870% | 1,312 |
| Loan loss allowance to noncurrent loans | 28.9268% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 6.0413% | 990 |
| Noncurrent loans to loans | 8.5975% | 594 |
| Net loans and leases to total assets | 48.3527% | 6,637 |
| Net loans and leases to deposits | 62.5636% | 6,219 |
| Net loans and leases to core deposits | 66.2994% | 6,260 |
| Total domestic deposits to total assets | 77.2857% | 6,499 |
| Equity capital to assets | 13.1559% | 1,462 |
| Core capital (leverage) ratio | 12.9092% | 1,240 |
| Tier 1 risk-based capital ratio | 19.0546% | 1,708 |
| Total risk-based capital ratio | 20.3128% | 1,674 |
| Memoranda: |
| Average total assets | $352,779,000 | 1,942 |
| Average earning assets | $313,551,500 | 1,991 |
| Average equity | $46,534,500 | 1,449 |
| Average total loans | $178,598,500 | 2,500 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8770% | 6,766 |
| Cost of funding earning assets | 1.1418% | 6,843 |
| Net interest margin | 3.7353% | 3,975 |
| Noninterest income to average assets | 3.6402% | 188 |
| Noninterest expense to average assets | 4.7949% | 610 |
| Loan and lease loss provision to assets | 1.0522% | 2,182 |
| Net operating income to assets | 1.1410% | 1,409 |
| Return on assets (ROA) | 1.1410% | 1,435 |
| Pretax return on assets | 1.1410% | 2,123 |
| Return on Equity (ROE) | 8.5959% | 2,163 |
| Retained earnings to average equity (ytd only) | 3.7451% | 2,578 |
| Net charge-offs to loans | 2.5444% | 901 |
| Credit loss provision to net charge-offs | 74.6405% | 6,406 |
| Earnings coverage of net charge-offs (x) | 1.5558% | 4,578 |
| Efficiency ratio | 68.6144% | 4,903 |
| Assets per employee ($millions) | 2.7424% | 6,775 |
| Cash dividends to net income (ytd only)* | 56.4314% | 2,180 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5347% | 1,187 |
| Loan loss allowance to noncurrent loans | 28.4882% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 5.5305% | 1,063 |
| Noncurrent loans to loans | 8.8974% | 519 |
| Net loans and leases to total assets | 50.3669% | 6,596 |
| Net loans and leases to deposits | 65.8405% | 6,068 |
| Net loans and leases to core deposits | 74.7494% | 6,489 |
| Total domestic deposits to total assets | 76.4984% | 6,587 |
| Equity capital to assets | 13.2261% | 1,425 |
| Core capital (leverage) ratio | 12.5573% | 1,424 |
| Tier 1 risk-based capital ratio | 17.9583% | 1,908 |
| Total risk-based capital ratio | 19.2151% | 1,866 |
| Memoranda: |
| Average total assets | $350,204,800 | 1,944 |
| Average earning assets | $313,898,800 | 1,987 |
| Average equity | $46,487,200 | 1,454 |
| Average total loans | $194,036,400 | 2,352 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8641% | 6,975 |
| Cost of funding earning assets | 1.1564% | 7,021 |
| Net interest margin | 3.7077% | 4,033 |
| Noninterest income to average assets | 3.9256% | 173 |
| Noninterest expense to average assets | 4.9374% | 510 |
| Loan and lease loss provision to assets | 0.9878% | 1,938 |
| Net operating income to assets | 1.3325% | 1,152 |
| Return on assets (ROA) | 1.3325% | 1,213 |
| Pretax return on assets | 1.3325% | 1,868 |
| Return on Equity (ROE) | 10.0294% | 1,901 |
| Retained earnings to average equity (ytd only) | 3.5639% | 3,299 |
| Net charge-offs to loans | 1.0784% | 1,847 |
| Credit loss provision to net charge-offs | 162.5705% | 2,901 |
| Earnings coverage of net charge-offs (x) | 3.8188% | 3,380 |
| Efficiency ratio | 68.0296% | 4,968 |
| Assets per employee ($millions) | 2.6379% | 6,970 |
| Cash dividends to net income (ytd only)* | 64.4654% | 1,442 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5815% | 387 |
| Loan loss allowance to noncurrent loans | 28.6383% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 7.6344% | 583 |
| Noncurrent loans to loans | 12.5061% | 246 |
| Net loans and leases to total assets | 52.5475% | 6,556 |
| Net loans and leases to deposits | 68.7979% | 6,054 |
| Net loans and leases to core deposits | 77.8779% | 6,500 |
| Total domestic deposits to total assets | 76.3795% | 6,503 |
| Equity capital to assets | 13.1885% | 1,628 |
| Core capital (leverage) ratio | 12.5094% | 1,579 |
| Tier 1 risk-based capital ratio | 17.6956% | 2,077 |
| Total risk-based capital ratio | 18.9635% | 2,015 |
| Memoranda: |
| Average total assets | $349,998,000 | 1,952 |
| Average earning assets | $314,543,000 | 2,004 |
| Average equity | $46,502,000 | 1,472 |
| Average total loans | $197,195,000 | 2,347 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9205% | 6,985 |
| Cost of funding earning assets | 1.1783% | 7,173 |
| Net interest margin | 3.7421% | 3,785 |
| Noninterest income to average assets | 4.5368% | 147 |
| Noninterest expense to average assets | 4.9485% | 529 |
| Loan and lease loss provision to assets | 1.4835% | 1,151 |
| Net operating income to assets | 1.4612% | 918 |
| Return on assets (ROA) | 1.4612% | 980 |
| Pretax return on assets | 1.4612% | 1,559 |
| Return on Equity (ROE) | 10.9705% | 1,707 |
| Retained earnings to average equity (ytd only) | 6.4406% | 1,828 |
| Net charge-offs to loans | 0.1376% | 4,793 |
| Credit loss provision to net charge-offs | 1,893.4307% | 282 |
| Earnings coverage of net charge-offs (x) | 37.5839% | 850 |
| Efficiency ratio | 62.6938% | 6,141 |
| Assets per employee ($millions) | 2.4740% | 7,300 |
| Cash dividends to net income (ytd only)* | 41.2916% | 2,370 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2084% | 219 |
| Loan loss allowance to noncurrent loans | 39.4782% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 6.4127% | 720 |
| Noncurrent loans to loans | 10.6602% | 306 |
| Net loans and leases to total assets | 52.7093% | 6,598 |
| Net loans and leases to deposits | 70.8977% | 5,883 |
| Net loans and leases to core deposits | 80.0002% | 6,409 |
| Total domestic deposits to total assets | 74.3456% | 6,902 |
| Equity capital to assets | 13.0222% | 1,681 |
| Core capital (leverage) ratio | 12.5333% | 1,610 |
| Tier 1 risk-based capital ratio | 17.9845% | 2,030 |
| Total risk-based capital ratio | 19.2598% | 1,952 |
| Memoranda: |
| Average total assets | $349,719,000 | 1,977 |
| Average earning assets | $313,670,330 | 2,030 |
| Average equity | $46,579,330 | 1,482 |
| Average total loans | $199,192,330 | 2,364 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8581% | 7,270 |
| Cost of funding earning assets | 1.1987% | 7,299 |
| Net interest margin | 3.6594% | 4,066 |
| Noninterest income to average assets | 2.9141% | 216 |
| Noninterest expense to average assets | 4.7344% | 581 |
| Loan and lease loss provision to assets | -0.0081% | 8,172 |
| Net operating income to assets | 1.4773% | 979 |
| Return on assets (ROA) | 1.4773% | 1,057 |
| Pretax return on assets | 1.4773% | 1,734 |
| Return on Equity (ROE) | 10.9649% | 1,971 |
| Retained earnings to average equity (ytd only) | 9.8899% | 1,223 |
| Net charge-offs to loans | -0.0040% | 7,157 |
| Credit loss provision to net charge-offs | 350.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3168% | 3,437 |
| Assets per employee ($millions) | 2.4096% | 7,443 |
| Cash dividends to net income (ytd only)* | 9.8039% | 2,720 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9109% | 520 |
| Loan loss allowance to noncurrent loans | 42.3367% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 4.5772% | 1,039 |
| Noncurrent loans to loans | 6.8755% | 598 |
| Net loans and leases to total assets | 55.4155% | 6,317 |
| Net loans and leases to deposits | 73.8458% | 5,496 |
| Net loans and leases to core deposits | 84.7752% | 5,997 |
| Total domestic deposits to total assets | 75.0422% | 6,708 |
| Equity capital to assets | 13.3107% | 1,608 |
| Core capital (leverage) ratio | 12.4565% | 1,705 |
| Tier 1 risk-based capital ratio | 18.0679% | 2,038 |
| Total risk-based capital ratio | 19.3314% | 1,980 |
| Memoranda: |
| Average total assets | $345,215,500 | 2,011 |
| Average earning assets | $310,327,500 | 2,061 |
| Average equity | $46,512,000 | 1,488 |
| Average total loans | $200,094,000 | 2,368 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1945% | 4,547 |
| Cost of funding earning assets | 1.4915% | 7,623 |
| Net interest margin | 4.7030% | 964 |
| Noninterest income to average assets | 2.9652% | 200 |
| Noninterest expense to average assets | 5.0157% | 618 |
| Loan and lease loss provision to assets | 0.4266% | 3,146 |
| Net operating income to assets | 1.7500% | 608 |
| Return on assets (ROA) | 1.7500% | 585 |
| Pretax return on assets | 1.7500% | 1,050 |
| Return on Equity (ROE) | 12.9614% | 1,335 |
| Retained earnings to average equity (ytd only) | -4.1423% | 6,351 |
| Net charge-offs to loans | 0.3617% | 3,027 |
| Credit loss provision to net charge-offs | 207.7027% | 2,332 |
| Earnings coverage of net charge-offs (x) | 10.5973% | 2,490 |
| Efficiency ratio | 69.7372% | 4,397 |
| Assets per employee ($millions) | 2.2425% | 7,646 |
| Cash dividends to net income (ytd only)* | 131.9588% | 577 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9340% | 465 |
| Loan loss allowance to noncurrent loans | 74.1163% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 3.0901% | 1,484 |
| Noncurrent loans to loans | 3.9586% | 1,249 |
| Net loans and leases to total assets | 57.1541% | 6,315 |
| Net loans and leases to deposits | 77.4635% | 5,409 |
| Net loans and leases to core deposits | 88.8572% | 5,902 |
| Total domestic deposits to total assets | 73.7819% | 6,690 |
| Equity capital to assets | 13.6422% | 1,558 |
| Core capital (leverage) ratio | 12.0108% | 1,957 |
| Tier 1 risk-based capital ratio | 17.9195% | 2,059 |
| Total risk-based capital ratio | 19.1838% | 1,999 |
| Memoranda: |
| Average total assets | $360,285,200 | 1,862 |
| Average earning assets | $323,837,800 | 1,881 |
| Average equity | $48,644,400 | 1,413 |
| Average total loans | $204,562,600 | 2,255 |
