| 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 | 3.9878% | 3,985 |
| Cost of funding earning assets | 1.1773% | 2,862 |
| Net interest margin | 2.8105% | 3,639 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.9793% | 3,681 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1233% | 1,848 |
| Return on assets (ROA) | 1.1230% | 1,824 |
| Pretax return on assets | 1.1230% | 2,338 |
| Return on Equity (ROE) | 43.2100% | 75 |
| Retained earnings to average equity (ytd only) | 0.0397% | 4,033 |
| Net charge-offs to loans | -0.0044% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.6688% | 2,646 |
| Assets per employee ($millions) | 8.9204% | 1,013 |
| Cash dividends to net income (ytd only)* | 99.9081% | 268 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0529% | 3,058 |
| Loan loss allowance to noncurrent loans | 811.4286% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,300 |
| Noncurrent loans to loans | 0.1298% | 2,864 |
| Net loans and leases to total assets | 34.0000% | 4,209 |
| Net loans and leases to deposits | 38.2141% | 4,237 |
| Net loans and leases to core deposits | 41.5629% | 4,261 |
| Total domestic deposits to total assets | 88.9700% | 1,073 |
| Equity capital to assets | 3.6105% | 4,520 |
| Core capital (leverage) ratio | 11.1777% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $387,712,400 | 2,052 |
| Average earning assets | $358,518,800 | 2,051 |
| Average equity | $10,077,400 | 3,712 |
| Average total loans | $137,206,000 | 2,797 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9299% | 3,954 |
| Cost of funding earning assets | 1.0727% | 2,824 |
| Net interest margin | 2.8571% | 3,626 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.0570% | 3,449 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0456% | 2,235 |
| Return on assets (ROA) | 1.0438% | 2,225 |
| Pretax return on assets | 1.0438% | 2,731 |
| Return on Equity (ROE) | 44.5600% | 93 |
| Retained earnings to average equity (ytd only) | 5.1689% | 2,877 |
| Net charge-offs to loans | 0.0019% | 2,506 |
| Credit loss provision to net charge-offs | 2,850.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 1,544.0000% | 93 |
| Efficiency ratio | 65.8822% | 2,293 |
| Assets per employee ($millions) | 8.7526% | 1,021 |
| Cash dividends to net income (ytd only)* | 88.4005% | 342 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0585% | 3,080 |
| Loan loss allowance to noncurrent loans | 914.5570% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,386 |
| Noncurrent loans to loans | 0.1157% | 2,993 |
| Net loans and leases to total assets | 35.0700% | 4,216 |
| Net loans and leases to deposits | 38.5052% | 4,243 |
| Net loans and leases to core deposits | 41.5948% | 4,222 |
| Total domestic deposits to total assets | 91.0800% | 651 |
| Equity capital to assets | 1.2949% | 4,568 |
| Core capital (leverage) ratio | 11.4109% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $386,516,500 | 2,054 |
| Average earning assets | $357,457,250 | 2,050 |
| Average equity | $9,054,000 | 3,818 |
| Average total loans | $137,790,250 | 2,800 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8725% | 3,920 |
| Cost of funding earning assets | 0.9278% | 2,840 |
| Net interest margin | 2.9448% | 3,573 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.0295% | 3,522 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1448% | 1,984 |
| Return on assets (ROA) | 1.1401% | 1,999 |
| Pretax return on assets | 1.1401% | 2,539 |
| Return on Equity (ROE) | 42.3800% | 99 |
| Retained earnings to average equity (ytd only) | 2.8243% | 3,529 |
| Net charge-offs to loans | 0.0101% | 1,822 |
| Credit loss provision to net charge-offs | 1,957.1429% | 268 |
| Earnings coverage of net charge-offs (x) | 336.0000% | 414 |
| Efficiency ratio | 62.5418% | 2,641 |
| Assets per employee ($millions) | 8.5792% | 1,055 |
| Cash dividends to net income (ytd only)* | 93.3364% | 384 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0759% | 3,066 |
| Loan loss allowance to noncurrent loans | 8,444.4444% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,831 |
| Noncurrent loans to loans | 0.0127% | 3,691 |
| Net loans and leases to total assets | 36.2000% | 4,171 |
| Net loans and leases to deposits | 39.6487% | 4,223 |
| Net loans and leases to core deposits | 42.2502% | 4,207 |
| Total domestic deposits to total assets | 91.3000% | 558 |
| Equity capital to assets | 2.4944% | 4,589 |
| Core capital (leverage) ratio | 11.4516% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $386,983,333 | 2,055 |
| Average earning assets | $357,855,000 | 2,058 |
| Average equity | $10,409,667 | 3,686 |
| Average total loans | $138,217,000 | 2,790 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8188% | 3,824 |
| Cost of funding earning assets | 0.8010% | 2,733 |
| Net interest margin | 3.0178% | 3,553 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.0328% | 3,548 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.3390% | 1,570 |
| Return on assets (ROA) | 1.3380% | 1,544 |
| Pretax return on assets | 1.3380% | 2,064 |
| Return on Equity (ROE) | 48.0000% | 82 |
| Retained earnings to average equity (ytd only) | 48.0022% | 42 |
| Net charge-offs to loans | 0.0410% | 947 |
| Credit loss provision to net charge-offs | -257.1429% | 4,614 |
| Earnings coverage of net charge-offs (x) | 90.0714% | 840 |
| Efficiency ratio | 60.9598% | 2,831 |
| Assets per employee ($millions) | 8.5769% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0003% | 3,518 |
| Loan loss allowance to noncurrent loans | 7,052.6316% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,854 |
| Noncurrent loans to loans | 0.0142% | 3,716 |
| Net loans and leases to total assets | 34.3600% | 4,254 |
| Net loans and leases to deposits | 36.8176% | 4,301 |
| Net loans and leases to core deposits | 38.8029% | 4,300 |
| Total domestic deposits to total assets | 93.3300% | 252 |
| Equity capital to assets | 3.1177% | 4,594 |
| Core capital (leverage) ratio | 11.6500% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $387,443,000 | 2,075 |
| Average earning assets | $359,070,000 | 2,077 |
| Average equity | $10,799,500 | 3,691 |
| Average total loans | $136,687,000 | 2,830 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2863% | 3,620 |
| Cost of funding earning assets | 0.3166% | 2,745 |
| Net interest margin | 2.9697% | 3,523 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.9095% | 3,809 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2973% | 1,440 |
| Return on assets (ROA) | 1.3005% | 1,387 |
| Pretax return on assets | 1.3005% | 2,085 |
| Return on Equity (ROE) | 25.5000% | 195 |
| Retained earnings to average equity (ytd only) | 4.4485% | 3,252 |
| Net charge-offs to loans | -0.0641% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.4479% | 3,272 |
| Assets per employee ($millions) | 8.6428% | 1,041 |
| Cash dividends to net income (ytd only)* | 82.5550% | 399 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9970% | 3,408 |
| 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 | 35.4900% | 4,235 |
| Net loans and leases to deposits | 36.5325% | 4,331 |
| Net loans and leases to core deposits | 38.2524% | 4,324 |
| Total domestic deposits to total assets | 97.1400% | 47 |
| Equity capital to assets | 2.4596% | 4,630 |
| Core capital (leverage) ratio | 11.0128% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $405,085,200 | 2,012 |
| Average earning assets | $376,131,800 | 2,000 |
| Average equity | $20,658,800 | 2,890 |
| Average total loans | $126,352,800 | 2,864 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1620% | 3,528 |
| Cost of funding earning assets | 0.2393% | 2,825 |
| Net interest margin | 2.9227% | 3,427 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.9188% | 3,705 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2315% | 1,583 |
| Return on assets (ROA) | 1.2358% | 1,546 |
| Pretax return on assets | 1.2358% | 2,243 |
| Return on Equity (ROE) | 21.5800% | 317 |
| Retained earnings to average equity (ytd only) | 2.2874% | 3,962 |
| Net charge-offs to loans | -0.1083% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.7949% | 3,137 |
| Assets per employee ($millions) | 8.7692% | 980 |
| Cash dividends to net income (ytd only)* | 89.3987% | 297 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9975% | 3,499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 33.8300% | 4,310 |
| Net loans and leases to deposits | 34.4240% | 4,408 |
| Net loans and leases to core deposits | 36.4415% | 4,390 |
| Total domestic deposits to total assets | 98.2700% | 47 |
| Equity capital to assets | 1.1659% | 4,688 |
| Core capital (leverage) ratio | 10.9841% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $409,125,000 | 2,008 |
| Average earning assets | $379,914,000 | 2,005 |
| Average equity | $23,432,000 | 2,713 |
| Average total loans | $123,087,250 | 2,899 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0995% | 3,308 |
| Cost of funding earning assets | 0.2102% | 2,776 |
| Net interest margin | 2.8893% | 3,200 |
| Noninterest income to average assets | 0.5141% | 2,122 |
| Noninterest expense to average assets | 1.9132% | 3,672 |
| Loan and lease loss provision to assets | 0.0749% | 1,285 |
| Net operating income to assets | 1.2093% | 1,398 |
| Return on assets (ROA) | 1.2098% | 1,384 |
| Pretax return on assets | 1.2098% | 2,046 |
| Return on Equity (ROE) | 16.8568% | 585 |
| Retained earnings to average equity (ytd only) | 1.3127% | 3,922 |
| Net charge-offs to loans | -0.1678% | 4,560 |
| Credit loss provision to net charge-offs | -155.0000% | 3,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8368% | 3,321 |
| Assets per employee ($millions) | 8.4626% | 1,082 |
| Cash dividends to net income (ytd only)* | 92.2125% | 447 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0011% | 3,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 32.8184% | 4,375 |
| Net loans and leases to deposits | 33.8457% | 4,450 |
| Net loans and leases to core deposits | 35.7949% | 4,445 |
| Total domestic deposits to total assets | 96.9649% | 51 |
| Equity capital to assets | 2.5059% | 4,709 |
| Core capital (leverage) ratio | 10.8349% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $413,961,333 | 1,995 |
| Average earning assets | $384,447,000 | 2,009 |
| Average equity | $29,709,000 | 2,433 |
| Average total loans | $119,171,667 | 2,953 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9452% | 3,416 |
| Cost of funding earning assets | 0.1979% | 2,833 |
| Net interest margin | 2.7473% | 3,287 |
| Noninterest income to average assets | 0.5487% | 1,905 |
| Noninterest expense to average assets | 1.9409% | 3,570 |
| Loan and lease loss provision to assets | -0.0038% | 4,402 |
| Net operating income to assets | 1.1771% | 1,310 |
| Return on assets (ROA) | 1.1875% | 1,274 |
| Pretax return on assets | 1.1875% | 1,847 |
| Return on Equity (ROE) | 12.6630% | 1,117 |
| Retained earnings to average equity (ytd only) | 12.6630% | 508 |
| Net charge-offs to loans | -0.3510% | 4,676 |
| Credit loss provision to net charge-offs | 4.0404% | 1,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3250% | 3,227 |
| Assets per employee ($millions) | 9.0392% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9934% | 3,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 27.8045% | 4,516 |
| Net loans and leases to deposits | 30.1651% | 4,549 |
| Net loans and leases to core deposits | 31.9838% | 4,532 |
| Total domestic deposits to total assets | 92.1744% | 512 |
| Equity capital to assets | 7.3667% | 4,006 |
| Core capital (leverage) ratio | 11.2980% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $422,070,500 | 1,977 |
| Average earning assets | $394,135,500 | 1,974 |
| Average equity | $39,580,000 | 2,071 |
| Average total loans | $112,831,000 | 3,024 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0361% | 3,806 |
| Cost of funding earning assets | 0.2087% | 3,382 |
| Net interest margin | 2.8274% | 3,604 |
| Noninterest income to average assets | 0.5403% | 2,396 |
| Noninterest expense to average assets | 1.8069% | 4,135 |
| Loan and lease loss provision to assets | -0.0215% | 4,233 |
| Net operating income to assets | 1.3910% | 1,307 |
| Return on assets (ROA) | 1.6723% | 708 |
| Pretax return on assets | 1.6723% | 1,212 |
| Return on Equity (ROE) | 13.8165% | 1,242 |
| Retained earnings to average equity (ytd only) | 4.6772% | 2,934 |
| Net charge-offs to loans | -0.1214% | 4,623 |
| Credit loss provision to net charge-offs | 64.2857% | 2,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8851% | 3,595 |
| Assets per employee ($millions) | 9.3117% | 838 |
| Cash dividends to net income (ytd only)* | 66.1479% | 863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9781% | 3,836 |
| Loan loss allowance to noncurrent loans | 696.0784% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,771 |
| Noncurrent loans to loans | 0.1405% | 3,233 |
| Net loans and leases to total assets | 25.1729% | 4,647 |
| Net loans and leases to deposits | 28.5266% | 4,652 |
| Net loans and leases to core deposits | 30.3363% | 4,636 |
| Total domestic deposits to total assets | 88.2436% | 1,907 |
| Equity capital to assets | 11.3296% | 1,584 |
| Core capital (leverage) ratio | 11.0087% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $418,832,400 | 1,931 |
| Average earning assets | $390,503,800 | 1,936 |
| Average equity | $50,693,000 | 1,742 |
| Average total loans | $115,353,000 | 2,991 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1139% | 3,780 |
| Cost of funding earning assets | 0.2102% | 3,514 |
| Net interest margin | 2.9036% | 3,544 |
| Noninterest income to average assets | 0.5587% | 2,379 |
| Noninterest expense to average assets | 1.8178% | 4,131 |
| Loan and lease loss provision to assets | 0.0199% | 2,601 |
| Net operating income to assets | 1.4269% | 1,453 |
| Return on assets (ROA) | 1.9027% | 577 |
| Pretax return on assets | 1.9027% | 945 |
| Return on Equity (ROE) | 15.4659% | 1,050 |
| Retained earnings to average equity (ytd only) | 5.7512% | 2,933 |
| Net charge-offs to loans | -0.0433% | 4,284 |
| Credit loss provision to net charge-offs | -163.1579% | 3,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6830% | 3,566 |
| Assets per employee ($millions) | 8.8721% | 932 |
| Cash dividends to net income (ytd only)* | 62.8134% | 774 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9561% | 3,988 |
| Loan loss allowance to noncurrent loans | 701.2579% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,902 |
| Noncurrent loans to loans | 0.1363% | 3,429 |
| Net loans and leases to total assets | 27.6986% | 4,661 |
| Net loans and leases to deposits | 31.7282% | 4,677 |
| Net loans and leases to core deposits | 33.8299% | 4,657 |
| Total domestic deposits to total assets | 87.2999% | 2,213 |
| Equity capital to assets | 12.1397% | 1,337 |
| Core capital (leverage) ratio | 11.4058% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $416,456,000 | 1,959 |
| Average earning assets | $388,103,750 | 1,958 |
| Average equity | $51,234,000 | 1,742 |
| Average total loans | $116,968,750 | 3,019 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1650% | 3,738 |
| Cost of funding earning assets | 0.2118% | 3,638 |
| Net interest margin | 2.9532% | 3,440 |
| Noninterest income to average assets | 0.5280% | 2,499 |
| Noninterest expense to average assets | 1.8219% | 4,136 |
| Loan and lease loss provision to assets | 0.0187% | 2,582 |
| Net operating income to assets | 1.4413% | 1,445 |
| Return on assets (ROA) | 2.1519% | 386 |
| Pretax return on assets | 2.1519% | 628 |
| Return on Equity (ROE) | 17.4150% | 732 |
| Retained earnings to average equity (ytd only) | 7.4380% | 2,277 |
| Net charge-offs to loans | -0.0530% | 4,398 |
| Credit loss provision to net charge-offs | -125.8065% | 3,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5116% | 3,601 |
| Assets per employee ($millions) | 8.5591% | 985 |
| Cash dividends to net income (ytd only)* | 57.2896% | 1,011 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9128% | 4,122 |
| Loan loss allowance to noncurrent loans | 634.5029% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,979 |
| Noncurrent loans to loans | 0.1439% | 3,483 |
| Net loans and leases to total assets | 28.0834% | 4,700 |
| Net loans and leases to deposits | 32.1751% | 4,721 |
| Net loans and leases to core deposits | 33.8717% | 4,712 |
| Total domestic deposits to total assets | 87.2831% | 2,178 |
| Equity capital to assets | 12.1234% | 1,308 |
| Core capital (leverage) ratio | 11.1077% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $416,278,667 | 1,948 |
| Average earning assets | $388,188,000 | 1,956 |
| Average equity | $51,438,333 | 1,732 |
| Average total loans | $117,086,667 | 3,033 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0872% | 3,910 |
| Cost of funding earning assets | 0.2120% | 3,805 |
| Net interest margin | 2.8752% | 3,582 |
| Noninterest income to average assets | 0.5218% | 2,516 |
| Noninterest expense to average assets | 1.8345% | 4,141 |
| Loan and lease loss provision to assets | 0.0550% | 2,009 |
| Net operating income to assets | 1.3137% | 1,784 |
| Return on assets (ROA) | 2.7440% | 214 |
| Pretax return on assets | 2.7440% | 325 |
| Return on Equity (ROE) | 21.9967% | 393 |
| Retained earnings to average equity (ytd only) | 21.9967% | 206 |
| Net charge-offs to loans | -0.0620% | 4,477 |
| Credit loss provision to net charge-offs | -316.6667% | 3,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2719% | 3,397 |
| Assets per employee ($millions) | 8.9992% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8697% | 4,246 |
| Loan loss allowance to noncurrent loans | 497.7169% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 4,009 |
| Noncurrent loans to loans | 0.1747% | 3,485 |
| Net loans and leases to total assets | 29.3741% | 4,712 |
| Net loans and leases to deposits | 33.5227% | 4,734 |
| Net loans and leases to core deposits | 35.2922% | 4,734 |
| Total domestic deposits to total assets | 87.6246% | 2,031 |
| Equity capital to assets | 11.7994% | 1,391 |
| Core capital (leverage) ratio | 11.5171% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $414,721,000 | 1,945 |
| Average earning assets | $386,758,000 | 1,945 |
| Average equity | $51,735,000 | 1,715 |
| Average total loans | $116,197,500 | 3,049 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3862% | 4,215 |
| Cost of funding earning assets | 0.2713% | 4,289 |
| Net interest margin | 3.1149% | 3,595 |
| Noninterest income to average assets | 0.5905% | 2,248 |
| Noninterest expense to average assets | 1.8523% | 4,387 |
| Loan and lease loss provision to assets | -0.0545% | 4,940 |
| Net operating income to assets | 1.6802% | 524 |
| Return on assets (ROA) | 2.7143% | 119 |
| Pretax return on assets | 2.7143% | 147 |
| Return on Equity (ROE) | 20.9312% | 191 |
| Retained earnings to average equity (ytd only) | 4.3596% | 2,617 |
| Net charge-offs to loans | -0.0887% | 4,788 |
| Credit loss provision to net charge-offs | 200.0000% | 2,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2577% | 4,286 |
| Assets per employee ($millions) | 8.6485% | 847 |
| Cash dividends to net income (ytd only)* | 79.1718% | 660 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9480% | 4,050 |
| Loan loss allowance to noncurrent loans | 520.5128% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,097 |
| Noncurrent loans to loans | 0.1821% | 3,564 |
| Net loans and leases to total assets | 26.0895% | 4,820 |
| Net loans and leases to deposits | 30.2087% | 4,830 |
| Net loans and leases to core deposits | 31.8864% | 4,831 |
| Total domestic deposits to total assets | 86.3642% | 2,202 |
| Equity capital to assets | 13.1772% | 1,032 |
| Core capital (leverage) ratio | 11.3206% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $385,257,600 | 1,905 |
| Average earning assets | $357,123,400 | 1,907 |
| Average equity | $49,959,000 | 1,692 |
| Average total loans | $118,410,600 | 3,001 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5094% | 4,194 |
| Cost of funding earning assets | 0.2865% | 4,364 |
| Net interest margin | 3.2230% | 3,417 |
| Noninterest income to average assets | 0.6043% | 2,161 |
| Noninterest expense to average assets | 1.8756% | 4,372 |
| Loan and lease loss provision to assets | -0.0371% | 4,977 |
| Net operating income to assets | 1.7507% | 510 |
| Return on assets (ROA) | 3.1214% | 87 |
| Pretax return on assets | 3.1214% | 113 |
| Return on Equity (ROE) | 24.1749% | 133 |
| Retained earnings to average equity (ytd only) | 4.2833% | 2,904 |
| Net charge-offs to loans | -0.1056% | 4,830 |
| Credit loss provision to net charge-offs | 110.4167% | 2,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2585% | 4,322 |
| Assets per employee ($millions) | 8.3793% | 880 |
| Cash dividends to net income (ytd only)* | 82.2822% | 551 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8687% | 4,164 |
| Loan loss allowance to noncurrent loans | 359.2233% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 4,038 |
| Noncurrent loans to loans | 0.2418% | 3,435 |
| Net loans and leases to total assets | 32.1616% | 4,787 |
| Net loans and leases to deposits | 37.3663% | 4,802 |
| Net loans and leases to core deposits | 39.0611% | 4,804 |
| Total domestic deposits to total assets | 86.0710% | 2,031 |
| Equity capital to assets | 13.3282% | 1,059 |
| Core capital (leverage) ratio | 11.5350% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $379,951,750 | 1,906 |
| Average earning assets | $351,881,500 | 1,913 |
| Average equity | $49,058,000 | 1,711 |
| Average total loans | $121,247,250 | 2,977 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6727% | 4,137 |
| Cost of funding earning assets | 0.3055% | 4,459 |
| Net interest margin | 3.3672% | 3,200 |
| Noninterest income to average assets | 0.5563% | 2,325 |
| Noninterest expense to average assets | 1.8832% | 4,439 |
| Loan and lease loss provision to assets | -0.0069% | 5,000 |
| Net operating income to assets | 1.7984% | 503 |
| Return on assets (ROA) | 3.8756% | 53 |
| Pretax return on assets | 3.8756% | 67 |
| Return on Equity (ROE) | 30.3586% | 58 |
| Retained earnings to average equity (ytd only) | 18.4748% | 115 |
| Net charge-offs to loans | -0.1226% | 4,878 |
| Credit loss provision to net charge-offs | 17.8082% | 2,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2471% | 4,411 |
| Assets per employee ($millions) | 8.3357% | 858 |
| Cash dividends to net income (ytd only)* | 39.1448% | 1,981 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8765% | 4,095 |
| Loan loss allowance to noncurrent loans | 372.2397% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 4,118 |
| Noncurrent loans to loans | 0.2355% | 3,531 |
| Net loans and leases to total assets | 34.0627% | 4,778 |
| Net loans and leases to deposits | 39.9889% | 4,794 |
| Net loans and leases to core deposits | 41.9317% | 4,799 |
| Total domestic deposits to total assets | 85.1805% | 2,322 |
| Equity capital to assets | 13.9063% | 877 |
| Core capital (leverage) ratio | 12.0495% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $375,326,667 | 1,905 |
| Average earning assets | $347,587,667 | 1,907 |
| Average equity | $47,914,000 | 1,741 |
| Average total loans | $119,072,667 | 2,994 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5732% | 4,557 |
| Cost of funding earning assets | 0.3414% | 4,546 |
| Net interest margin | 3.2318% | 3,779 |
| Noninterest income to average assets | 0.6505% | 1,829 |
| Noninterest expense to average assets | 2.0016% | 4,388 |
| Loan and lease loss provision to assets | -0.0436% | 5,059 |
| Net operating income to assets | 1.6835% | 531 |
| Return on assets (ROA) | 3.1022% | 59 |
| Pretax return on assets | 3.1022% | 81 |
| Return on Equity (ROE) | 25.5165% | 59 |
| Retained earnings to average equity (ytd only) | 12.7358% | 346 |
| Net charge-offs to loans | -0.1797% | 4,928 |
| Credit loss provision to net charge-offs | 80.0000% | 1,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9671% | 4,313 |
| Assets per employee ($millions) | 7.6125% | 857 |
| Cash dividends to net income (ytd only)* | 50.0878% | 1,628 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9985% | 3,723 |
| Loan loss allowance to noncurrent loans | 518.3486% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,294 |
| Noncurrent loans to loans | 0.1926% | 3,789 |
| Net loans and leases to total assets | 30.6632% | 4,897 |
| Net loans and leases to deposits | 34.9419% | 4,922 |
| Net loans and leases to core deposits | 36.8025% | 4,918 |
| Total domestic deposits to total assets | 87.7549% | 1,209 |
| Equity capital to assets | 11.7419% | 2,255 |
| Core capital (leverage) ratio | 12.0633% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $367,100,000 | 1,898 |
| Average earning assets | $339,747,500 | 1,892 |
| Average equity | $44,630,000 | 1,827 |
| Average total loans | $111,293,500 | 3,066 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7287% | 4,648 |
| Cost of funding earning assets | 0.3975% | 4,448 |
| Net interest margin | 3.3312% | 3,913 |
| Noninterest income to average assets | 0.5526% | 2,460 |
| Noninterest expense to average assets | 1.9741% | 4,578 |
| Loan and lease loss provision to assets | -0.0066% | 4,926 |
| Net operating income to assets | 1.6625% | 720 |
| Return on assets (ROA) | 1.7398% | 646 |
| Pretax return on assets | 1.7398% | 1,086 |
| Return on Equity (ROE) | 14.7992% | 731 |
| Retained earnings to average equity (ytd only) | -0.1716% | 4,727 |
| Net charge-offs to loans | 0.0357% | 2,675 |
| Credit loss provision to net charge-offs | -58.5366% | 4,181 |
| Earnings coverage of net charge-offs (x) | 146.1707% | 506 |
| Efficiency ratio | 54.3842% | 4,388 |
| Assets per employee ($millions) | 7.5265% | 853 |
| Cash dividends to net income (ytd only)* | 101.1593% | 277 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0236% | 3,358 |
| Loan loss allowance to noncurrent loans | 500.0000% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 4,316 |
| Noncurrent loans to loans | 0.2047% | 3,724 |
| Net loans and leases to total assets | 29.3638% | 4,977 |
| Net loans and leases to deposits | 33.7681% | 4,998 |
| Net loans and leases to core deposits | 35.5149% | 5,000 |
| Total domestic deposits to total assets | 86.9571% | 1,633 |
| Equity capital to assets | 12.5692% | 1,780 |
| Core capital (leverage) ratio | 11.7864% | 1,902 |
| Tier 1 risk-based capital ratio | 23.3977% | 877 |
| Total risk-based capital ratio | 24.0319% | 918 |
| Memoranda: |
| Average total assets | $361,930,800 | 1,868 |
| Average earning assets | $334,353,000 | 1,865 |
| Average equity | $42,549,600 | 1,834 |
| Average total loans | $114,768,000 | 3,007 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7666% | 4,710 |
| Cost of funding earning assets | 0.3999% | 4,503 |
| Net interest margin | 3.3667% | 3,946 |
| Noninterest income to average assets | 0.5630% | 2,394 |
| Noninterest expense to average assets | 1.9865% | 4,581 |
| Loan and lease loss provision to assets | -0.0452% | 5,117 |
| Net operating income to assets | 1.7311% | 701 |
| Return on assets (ROA) | 1.8244% | 616 |
| Pretax return on assets | 1.8244% | 1,020 |
| Return on Equity (ROE) | 15.7984% | 639 |
| Retained earnings to average equity (ytd only) | -4.6187% | 5,046 |
| Net charge-offs to loans | -0.0425% | 4,798 |
| Credit loss provision to net charge-offs | 329.7297% | 896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0919% | 4,384 |
| Assets per employee ($millions) | 7.3711% | 891 |
| Cash dividends to net income (ytd only)* | 129.2350% | 164 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9975% | 3,588 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 4,291 |
| Noncurrent loans to loans | 0.2793% | 3,537 |
| Net loans and leases to total assets | 30.2279% | 5,050 |
| Net loans and leases to deposits | 34.7897% | 5,079 |
| Net loans and leases to core deposits | 36.6256% | 5,074 |
| Total domestic deposits to total assets | 86.8875% | 1,579 |
| Equity capital to assets | 12.5648% | 1,863 |
| Core capital (leverage) ratio | 11.5670% | 2,170 |
| Tier 1 risk-based capital ratio | 22.5918% | 997 |
| Total risk-based capital ratio | 23.2124% | 1,048 |
| Memoranda: |
| Average total assets | $360,214,000 | 1,895 |
| Average earning assets | $332,702,500 | 1,887 |
| Average equity | $41,598,250 | 1,871 |
| Average total loans | $116,106,750 | 3,017 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7697% | 4,748 |
| Cost of funding earning assets | 0.3957% | 4,529 |
| Net interest margin | 3.3740% | 3,972 |
| Noninterest income to average assets | 0.5618% | 2,333 |
| Noninterest expense to average assets | 1.9912% | 4,611 |
| Loan and lease loss provision to assets | -0.0172% | 5,134 |
| Net operating income to assets | 1.7055% | 721 |
| Return on assets (ROA) | 1.7478% | 692 |
| Pretax return on assets | 1.7478% | 1,174 |
| Return on Equity (ROE) | 15.5936% | 656 |
| Retained earnings to average equity (ytd only) | -4.9483% | 5,057 |
| Net charge-offs to loans | -0.0610% | 4,880 |
| Credit loss provision to net charge-offs | 86.1111% | 2,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1157% | 4,455 |
| Assets per employee ($millions) | 7.1484% | 933 |
| Cash dividends to net income (ytd only)* | 131.7329% | 207 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9970% | 3,647 |
| Loan loss allowance to noncurrent loans | 380.1917% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 4,337 |
| Noncurrent loans to loans | 0.2622% | 3,589 |
| Net loans and leases to total assets | 32.4135% | 5,063 |
| Net loans and leases to deposits | 37.1256% | 5,092 |
| Net loans and leases to core deposits | 39.0507% | 5,092 |
| Total domestic deposits to total assets | 87.3077% | 1,437 |
| Equity capital to assets | 12.1654% | 2,072 |
| Core capital (leverage) ratio | 11.3252% | 2,312 |
| Tier 1 risk-based capital ratio | 21.7827% | 1,080 |
| Total risk-based capital ratio | 22.4224% | 1,139 |
| Memoranda: |
| Average total assets | $359,891,000 | 1,902 |
| Average earning assets | $332,542,000 | 1,897 |
| Average equity | $40,337,000 | 1,917 |
| Average total loans | $118,049,670 | 3,006 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7395% | 4,796 |
| Cost of funding earning assets | 0.3861% | 4,547 |
| Net interest margin | 3.3535% | 4,024 |
| Noninterest income to average assets | 0.4956% | 2,578 |
| Noninterest expense to average assets | 2.0059% | 4,627 |
| Loan and lease loss provision to assets | -0.0425% | 5,250 |
| Net operating income to assets | 1.6322% | 836 |
| Return on assets (ROA) | 1.7060% | 746 |
| Pretax return on assets | 1.7060% | 1,192 |
| Return on Equity (ROE) | 15.9144% | 600 |
| Retained earnings to average equity (ytd only) | -3.4960% | 4,841 |
| Net charge-offs to loans | -0.0443% | 4,800 |
| Credit loss provision to net charge-offs | 292.3077% | 843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7872% | 4,362 |
| Assets per employee ($millions) | 7.1685% | 930 |
| Cash dividends to net income (ytd only)* | 121.9672% | 458 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9999% | 3,709 |
| Loan loss allowance to noncurrent loans | 872.1805% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 4,654 |
| Noncurrent loans to loans | 0.1146% | 4,227 |
| Net loans and leases to total assets | 32.0438% | 5,112 |
| Net loans and leases to deposits | 36.2382% | 5,145 |
| Net loans and leases to core deposits | 38.2242% | 5,134 |
| Total domestic deposits to total assets | 88.4255% | 1,120 |
| Equity capital to assets | 11.0880% | 2,760 |
| Core capital (leverage) ratio | 11.7675% | 1,927 |
| Tier 1 risk-based capital ratio | 22.2866% | 1,019 |
| Total risk-based capital ratio | 22.9181% | 1,070 |
| Memoranda: |
| Average total assets | $357,553,000 | 1,923 |
| Average earning assets | $330,522,000 | 1,919 |
| Average equity | $38,330,000 | 2,000 |
| Average total loans | $117,395,000 | 3,050 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6953% | 4,675 |
| Cost of funding earning assets | 0.3289% | 4,416 |
| Net interest margin | 3.3664% | 4,087 |
| Noninterest income to average assets | 0.5412% | 2,605 |
| Noninterest expense to average assets | 1.9915% | 4,769 |
| Loan and lease loss provision to assets | -0.0073% | 5,098 |
| Net operating income to assets | 1.6699% | 737 |
| Return on assets (ROA) | 1.6500% | 772 |
| Pretax return on assets | 1.6500% | 1,316 |
| Return on Equity (ROE) | 16.0847% | 616 |
| Retained earnings to average equity (ytd only) | 0.2220% | 4,923 |
| Net charge-offs to loans | -0.1404% | 5,214 |
| Credit loss provision to net charge-offs | 16.1491% | 3,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5007% | 4,571 |
| Assets per employee ($millions) | 7.1336% | 923 |
| Cash dividends to net income (ytd only)* | 98.6199% | 276 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9977% | 3,716 |
| Loan loss allowance to noncurrent loans | 940.4762% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 4,669 |
| Noncurrent loans to loans | 0.1061% | 4,257 |
| Net loans and leases to total assets | 32.9684% | 5,148 |
| Net loans and leases to deposits | 36.9564% | 5,177 |
| Net loans and leases to core deposits | 39.1713% | 5,173 |
| Total domestic deposits to total assets | 89.2088% | 772 |
| Equity capital to assets | 10.3504% | 3,326 |
| Core capital (leverage) ratio | 11.7559% | 1,910 |
| Tier 1 risk-based capital ratio | 22.3009% | 990 |
| Total risk-based capital ratio | 22.9410% | 1,051 |
| Memoranda: |
| Average total assets | $355,705,600 | 1,897 |
| Average earning assets | $328,930,600 | 1,894 |
| Average equity | $36,488,000 | 2,008 |
| Average total loans | $114,658,000 | 3,064 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6709% | 4,701 |
| Cost of funding earning assets | 0.3034% | 4,494 |
| Net interest margin | 3.3675% | 4,111 |
| Noninterest income to average assets | 0.5540% | 2,545 |
| Noninterest expense to average assets | 1.9688% | 4,795 |
| Loan and lease loss provision to assets | 0.0015% | 3,930 |
| Net operating income to assets | 1.7014% | 743 |
| Return on assets (ROA) | 1.6710% | 804 |
| Pretax return on assets | 1.6710% | 1,342 |
| Return on Equity (ROE) | 16.3270% | 640 |
| Retained earnings to average equity (ytd only) | -4.8853% | 5,312 |
| Net charge-offs to loans | -0.1772% | 5,279 |
| Credit loss provision to net charge-offs | -2.6490% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6214% | 4,645 |
| Assets per employee ($millions) | 6.9601% | 951 |
| Cash dividends to net income (ytd only)* | 129.9215% | 118 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0020% | 3,745 |
| Loan loss allowance to noncurrent loans | 912.8788% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,794 |
| Noncurrent loans to loans | 0.1098% | 4,395 |
| Net loans and leases to total assets | 34.2101% | 5,196 |
| Net loans and leases to deposits | 38.1028% | 5,244 |
| Net loans and leases to core deposits | 40.5862% | 5,231 |
| Total domestic deposits to total assets | 89.7838% | 576 |
| Equity capital to assets | 9.6401% | 3,959 |
| Core capital (leverage) ratio | 11.4096% | 2,237 |
| Tier 1 risk-based capital ratio | 21.4808% | 1,119 |
| Total risk-based capital ratio | 22.1289% | 1,175 |
| Memoranda: |
| Average total assets | $355,461,750 | 1,904 |
| Average earning assets | $329,101,750 | 1,902 |
| Average equity | $36,380,500 | 2,014 |
| Average total loans | $113,628,250 | 3,106 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5989% | 4,769 |
| Cost of funding earning assets | 0.2672% | 4,653 |
| Net interest margin | 3.3317% | 4,155 |
| Noninterest income to average assets | 0.5017% | 2,854 |
| Noninterest expense to average assets | 1.9617% | 4,859 |
| Loan and lease loss provision to assets | -0.0017% | 5,285 |
| Net operating income to assets | 1.6282% | 852 |
| Return on assets (ROA) | 1.5706% | 990 |
| Pretax return on assets | 1.5706% | 1,597 |
| Return on Equity (ROE) | 15.0624% | 837 |
| Retained earnings to average equity (ytd only) | -10.1917% | 5,420 |
| Net charge-offs to loans | -0.2208% | 5,344 |
| Credit loss provision to net charge-offs | 2.4390% | 2,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6714% | 4,620 |
| Assets per employee ($millions) | 7.1167% | 876 |
| Cash dividends to net income (ytd only)* | 167.6628% | 94 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9996% | 3,842 |
| Loan loss allowance to noncurrent loans | 524.6637% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,704 |
| Noncurrent loans to loans | 0.1905% | 4,050 |
| Net loans and leases to total assets | 32.5639% | 5,279 |
| Net loans and leases to deposits | 37.3229% | 5,297 |
| Net loans and leases to core deposits | 40.0539% | 5,279 |
| Total domestic deposits to total assets | 87.2491% | 1,740 |
| Equity capital to assets | 9.7759% | 3,846 |
| Core capital (leverage) ratio | 11.1519% | 2,391 |
| Tier 1 risk-based capital ratio | 22.1509% | 1,019 |
| Total risk-based capital ratio | 22.8068% | 1,068 |
| Memoranda: |
| Average total assets | $357,947,330 | 1,899 |
| Average earning assets | $331,605,670 | 1,901 |
| Average equity | $37,324,670 | 1,976 |
| Average total loans | $111,418,330 | 3,154 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5180% | 4,847 |
| Cost of funding earning assets | 0.2368% | 4,789 |
| Net interest margin | 3.2812% | 4,235 |
| Noninterest income to average assets | 0.5136% | 2,726 |
| Noninterest expense to average assets | 1.9710% | 4,907 |
| Loan and lease loss provision to assets | 0.0557% | 2,653 |
| Net operating income to assets | 1.5287% | 1,011 |
| Return on assets (ROA) | 1.4173% | 1,305 |
| Pretax return on assets | 1.4173% | 1,949 |
| Return on Equity (ROE) | 13.1834% | 1,212 |
| Retained earnings to average equity (ytd only) | -3.0160% | 5,084 |
| Net charge-offs to loans | -0.1289% | 5,287 |
| Credit loss provision to net charge-offs | -142.8571% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4372% | 4,651 |
| Assets per employee ($millions) | 7.2466% | 864 |
| Cash dividends to net income (ytd only)* | 122.8774% | 430 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0146% | 3,869 |
| Loan loss allowance to noncurrent loans | 328.0347% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,616 |
| Noncurrent loans to loans | 0.3093% | 3,662 |
| Net loans and leases to total assets | 30.5623% | 5,354 |
| Net loans and leases to deposits | 34.1641% | 5,392 |
| Net loans and leases to core deposits | 36.9734% | 5,376 |
| Total domestic deposits to total assets | 89.4574% | 909 |
| Equity capital to assets | 10.0768% | 3,526 |
| Core capital (leverage) ratio | 11.6835% | 1,869 |
| Tier 1 risk-based capital ratio | 23.5291% | 891 |
| Total risk-based capital ratio | 24.1770% | 929 |
| Memoranda: |
| Average total assets | $359,004,500 | 1,903 |
| Average earning assets | $332,802,000 | 1,911 |
| Average equity | $38,594,000 | 1,935 |
| Average total loans | $108,606,000 | 3,216 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3286% | 5,049 |
| Cost of funding earning assets | 0.1899% | 5,021 |
| Net interest margin | 3.1386% | 4,605 |
| Noninterest income to average assets | 0.5351% | 2,798 |
| Noninterest expense to average assets | 1.9525% | 5,042 |
| Loan and lease loss provision to assets | -0.0470% | 5,389 |
| Net operating income to assets | 1.5342% | 746 |
| Return on assets (ROA) | 1.7050% | 538 |
| Pretax return on assets | 1.7050% | 994 |
| Return on Equity (ROE) | 15.0900% | 595 |
| Retained earnings to average equity (ytd only) | 0.8099% | 4,706 |
| Net charge-offs to loans | -0.1394% | 5,451 |
| Credit loss provision to net charge-offs | 117.3611% | 2,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7640% | 4,686 |
| Assets per employee ($millions) | 7.2588% | 859 |
| Cash dividends to net income (ytd only)* | 94.6330% | 458 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9968% | 3,972 |
| Loan loss allowance to noncurrent loans | 308.8235% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 4,648 |
| Noncurrent loans to loans | 0.3228% | 3,615 |
| Net loans and leases to total assets | 29.3216% | 5,443 |
| Net loans and leases to deposits | 33.2726% | 5,473 |
| Net loans and leases to core deposits | 36.0020% | 5,458 |
| Total domestic deposits to total assets | 88.1253% | 1,424 |
| Equity capital to assets | 11.4364% | 2,246 |
| Core capital (leverage) ratio | 11.9250% | 1,648 |
| Tier 1 risk-based capital ratio | 24.9581% | 729 |
| Total risk-based capital ratio | 25.5879% | 768 |
| Memoranda: |
| Average total assets | $359,531,200 | 1,871 |
| Average earning assets | $332,725,600 | 1,878 |
| Average equity | $40,623,000 | 1,831 |
| Average total loans | $103,326,000 | 3,296 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3047% | 5,111 |
| Cost of funding earning assets | 0.1774% | 5,148 |
| Net interest margin | 3.1273% | 4,630 |
| Noninterest income to average assets | 0.5163% | 2,930 |
| Noninterest expense to average assets | 1.8973% | 5,137 |
| Loan and lease loss provision to assets | -0.0599% | 5,537 |
| Net operating income to assets | 1.5745% | 762 |
| Return on assets (ROA) | 1.7860% | 494 |
| Pretax return on assets | 1.7860% | 918 |
| Return on Equity (ROE) | 15.8547% | 541 |
| Retained earnings to average equity (ytd only) | -3.1913% | 5,497 |
| Net charge-offs to loans | -0.1128% | 5,410 |
| Credit loss provision to net charge-offs | 186.2069% | 1,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6098% | 4,781 |
| Assets per employee ($millions) | 6.8408% | 1,011 |
| Cash dividends to net income (ytd only)* | 120.1283% | 169 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9949% | 4,094 |
| Loan loss allowance to noncurrent loans | 174.2160% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 4,455 |
| Noncurrent loans to loans | 0.5711% | 2,987 |
| Net loans and leases to total assets | 28.5222% | 5,529 |
| Net loans and leases to deposits | 32.5424% | 5,551 |
| Net loans and leases to core deposits | 35.0627% | 5,537 |
| Total domestic deposits to total assets | 87.6463% | 1,550 |
| Equity capital to assets | 11.8246% | 2,094 |
| Core capital (leverage) ratio | 11.7594% | 1,842 |
| Tier 1 risk-based capital ratio | 25.6533% | 699 |
| Total risk-based capital ratio | 26.2856% | 728 |
| Memoranda: |
| Average total assets | $360,494,000 | 1,878 |
| Average earning assets | $333,781,750 | 1,884 |
| Average equity | $40,609,500 | 1,845 |
| Average total loans | $102,822,250 | 3,335 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2618% | 5,164 |
| Cost of funding earning assets | 0.1665% | 5,231 |
| Net interest margin | 3.0953% | 4,697 |
| Noninterest income to average assets | 0.5297% | 2,831 |
| Noninterest expense to average assets | 1.9140% | 5,165 |
| Loan and lease loss provision to assets | 0.0099% | 3,739 |
| Net operating income to assets | 1.4733% | 910 |
| Return on assets (ROA) | 1.6209% | 691 |
| Pretax return on assets | 1.6209% | 1,278 |
| Return on Equity (ROE) | 14.6207% | 718 |
| Retained earnings to average equity (ytd only) | -4.8323% | 5,529 |
| Net charge-offs to loans | -0.1120% | 5,442 |
| Credit loss provision to net charge-offs | -31.0345% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3419% | 4,789 |
| Assets per employee ($millions) | 6.7373% | 1,041 |
| Cash dividends to net income (ytd only)* | 133.0511% | 219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0948% | 3,615 |
| Loan loss allowance to noncurrent loans | 152.0476% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 4,313 |
| Noncurrent loans to loans | 0.7200% | 2,591 |
| Net loans and leases to total assets | 29.1213% | 5,564 |
| Net loans and leases to deposits | 33.1866% | 5,588 |
| Net loans and leases to core deposits | 35.5356% | 5,573 |
| Total domestic deposits to total assets | 87.7500% | 1,591 |
| Equity capital to assets | 11.7517% | 2,113 |
| Core capital (leverage) ratio | 11.3389% | 2,093 |
| Tier 1 risk-based capital ratio | 24.5319% | 804 |
| Total risk-based capital ratio | 25.2305% | 832 |
| Memoranda: |
| Average total assets | $364,364,330 | 1,868 |
| Average earning assets | $337,539,670 | 1,869 |
| Average equity | $40,394,670 | 1,853 |
| Average total loans | $103,593,330 | 3,324 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2239% | 5,208 |
| Cost of funding earning assets | 0.1596% | 5,305 |
| Net interest margin | 3.0643% | 4,756 |
| Noninterest income to average assets | 0.5369% | 2,725 |
| Noninterest expense to average assets | 1.9065% | 5,225 |
| Loan and lease loss provision to assets | 0.0207% | 3,310 |
| Net operating income to assets | 1.4489% | 898 |
| Return on assets (ROA) | 1.5815% | 719 |
| Pretax return on assets | 1.5815% | 1,285 |
| Return on Equity (ROE) | 14.6931% | 690 |
| Retained earnings to average equity (ytd only) | 3.0396% | 3,892 |
| Net charge-offs to loans | -0.1089% | 5,474 |
| Credit loss provision to net charge-offs | -67.8571% | 3,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4713% | 4,893 |
| Assets per employee ($millions) | 7.0736% | 919 |
| Cash dividends to net income (ytd only)* | 79.3127% | 989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1073% | 3,676 |
| Loan loss allowance to noncurrent loans | 190.1695% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 4,597 |
| Noncurrent loans to loans | 0.5823% | 3,064 |
| Net loans and leases to total assets | 27.7777% | 5,633 |
| Net loans and leases to deposits | 31.4154% | 5,662 |
| Net loans and leases to core deposits | 33.7654% | 5,651 |
| Total domestic deposits to total assets | 88.4209% | 1,476 |
| Equity capital to assets | 11.1325% | 2,501 |
| Core capital (leverage) ratio | 11.4218% | 2,007 |
| Tier 1 risk-based capital ratio | 25.6336% | 716 |
| Total risk-based capital ratio | 26.3242% | 749 |
| Memoranda: |
| Average total assets | $368,007,000 | 1,866 |
| Average earning assets | $340,958,500 | 1,867 |
| Average equity | $39,610,500 | 1,884 |
| Average total loans | $102,821,500 | 3,367 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0079% | 5,497 |
| Cost of funding earning assets | 0.1554% | 5,380 |
| Net interest margin | 2.8525% | 5,207 |
| Noninterest income to average assets | 0.5136% | 3,142 |
| Noninterest expense to average assets | 1.8859% | 5,381 |
| Loan and lease loss provision to assets | 0.2215% | 990 |
| Net operating income to assets | 1.0576% | 2,103 |
| Return on assets (ROA) | 1.1288% | 1,874 |
| Pretax return on assets | 1.1288% | 2,974 |
| Return on Equity (ROE) | 9.9795% | 1,964 |
| Retained earnings to average equity (ytd only) | 3.2703% | 3,582 |
| Net charge-offs to loans | 0.5174% | 472 |
| Credit loss provision to net charge-offs | 177.3305% | 1,579 |
| Earnings coverage of net charge-offs (x) | 10.2415% | 2,660 |
| Efficiency ratio | 59.5853% | 4,646 |
| Assets per employee ($millions) | 7.5052% | 730 |
| Cash dividends to net income (ytd only)* | 67.2293% | 1,447 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0306% | 4,138 |
| Loan loss allowance to noncurrent loans | 453.5865% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 4,696 |
| Noncurrent loans to loans | 0.2272% | 4,340 |
| Net loans and leases to total assets | 27.5107% | 5,692 |
| Net loans and leases to deposits | 30.8442% | 5,728 |
| Net loans and leases to core deposits | 33.0339% | 5,720 |
| Total domestic deposits to total assets | 89.1926% | 1,019 |
| Equity capital to assets | 10.4088% | 3,259 |
| Core capital (leverage) ratio | 11.1727% | 2,190 |
| Tier 1 risk-based capital ratio | 24.6672% | 798 |
| Total risk-based capital ratio | 25.3091% | 838 |
| Memoranda: |
| Average total assets | $377,917,400 | 1,778 |
| Average earning assets | $351,271,200 | 1,768 |
| Average equity | $42,747,800 | 1,731 |
| Average total loans | $91,222,600 | 3,553 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9779% | 5,591 |
| Cost of funding earning assets | 0.1543% | 5,456 |
| Net interest margin | 2.8235% | 5,317 |
| Noninterest income to average assets | 0.4990% | 3,257 |
| Noninterest expense to average assets | 1.9088% | 5,364 |
| Loan and lease loss provision to assets | 0.3363% | 486 |
| Net operating income to assets | 0.8826% | 2,994 |
| Return on assets (ROA) | 1.0587% | 2,282 |
| Pretax return on assets | 1.0587% | 3,394 |
| Return on Equity (ROE) | 9.1777% | 2,410 |
| Retained earnings to average equity (ytd only) | 0.4244% | 5,248 |
| Net charge-offs to loans | 0.7807% | 233 |
| Credit loss provision to net charge-offs | 185.4369% | 1,514 |
| Earnings coverage of net charge-offs (x) | 6.7204% | 2,972 |
| Efficiency ratio | 61.0292% | 4,386 |
| Assets per employee ($millions) | 7.4717% | 727 |
| Cash dividends to net income (ytd only)* | 95.3759% | 455 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1408% | 3,605 |
| Loan loss allowance to noncurrent loans | 269.3208% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 4,607 |
| Noncurrent loans to loans | 0.4236% | 3,765 |
| Net loans and leases to total assets | 26.6748% | 5,785 |
| Net loans and leases to deposits | 30.4055% | 5,808 |
| Net loans and leases to core deposits | 32.7403% | 5,795 |
| Total domestic deposits to total assets | 87.7302% | 1,538 |
| Equity capital to assets | 11.8029% | 2,254 |
| Core capital (leverage) ratio | 10.9596% | 2,492 |
| Tier 1 risk-based capital ratio | 24.3442% | 871 |
| Total risk-based capital ratio | 25.0417% | 905 |
| Memoranda: |
| Average total assets | $378,581,500 | 1,774 |
| Average earning assets | $352,458,750 | 1,763 |
| Average equity | $43,669,750 | 1,711 |
| Average total loans | $87,950,250 | 3,629 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9048% | 5,730 |
| Cost of funding earning assets | 0.1524% | 5,532 |
| Net interest margin | 2.7524% | 5,502 |
| Noninterest income to average assets | 0.4734% | 3,382 |
| Noninterest expense to average assets | 1.9282% | 5,407 |
| Loan and lease loss provision to assets | 0.4723% | 289 |
| Net operating income to assets | 0.6380% | 4,107 |
| Return on assets (ROA) | 0.7769% | 3,564 |
| Pretax return on assets | 0.7769% | 4,365 |
| Return on Equity (ROE) | 6.7864% | 3,653 |
| Retained earnings to average equity (ytd only) | -2.9222% | 5,625 |
| Net charge-offs to loans | 1.2144% | 141 |
| Credit loss provision to net charge-offs | 176.7717% | 1,417 |
| Earnings coverage of net charge-offs (x) | 4.1555% | 3,013 |
| Efficiency ratio | 63.4585% | 4,109 |
| Assets per employee ($millions) | 7.3425% | 752 |
| Cash dividends to net income (ytd only)* | 143.0603% | 232 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1522% | 3,631 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 4,718 |
| Noncurrent loans to loans | 0.4033% | 3,918 |
| Net loans and leases to total assets | 24.7162% | 5,887 |
| Net loans and leases to deposits | 28.0715% | 5,904 |
| Net loans and leases to core deposits | 30.1671% | 5,892 |
| Total domestic deposits to total assets | 88.0472% | 1,412 |
| Equity capital to assets | 11.5193% | 2,526 |
| Core capital (leverage) ratio | 10.5126% | 2,961 |
| Tier 1 risk-based capital ratio | 24.0145% | 900 |
| Total risk-based capital ratio | 24.6859% | 950 |
| Memoranda: |
| Average total assets | $380,247,000 | 1,761 |
| Average earning assets | $354,383,670 | 1,754 |
| Average equity | $43,528,330 | 1,717 |
| Average total loans | $83,666,000 | 3,757 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8282% | 5,840 |
| Cost of funding earning assets | 0.1514% | 5,598 |
| Net interest margin | 2.6768% | 5,645 |
| Noninterest income to average assets | 0.4469% | 3,509 |
| Noninterest expense to average assets | 1.9512% | 5,429 |
| Loan and lease loss provision to assets | 0.3995% | 344 |
| Net operating income to assets | 0.5935% | 4,209 |
| Return on assets (ROA) | 0.7663% | 3,519 |
| Pretax return on assets | 0.7663% | 4,321 |
| Return on Equity (ROE) | 6.7157% | 3,607 |
| Retained earnings to average equity (ytd only) | 0.6374% | 4,959 |
| Net charge-offs to loans | 1.0750% | 170 |
| Credit loss provision to net charge-offs | 181.3397% | 1,150 |
| Earnings coverage of net charge-offs (x) | 4.5072% | 2,424 |
| Efficiency ratio | 66.2728% | 3,752 |
| Assets per employee ($millions) | 7.3583% | 754 |
| Cash dividends to net income (ytd only)* | 90.5089% | 825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0155% | 4,517 |
| Loan loss allowance to noncurrent loans | 51.1628% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 3,792 |
| Noncurrent loans to loans | 1.9847% | 1,089 |
| Net loans and leases to total assets | 22.4186% | 5,967 |
| Net loans and leases to deposits | 25.4299% | 5,981 |
| Net loans and leases to core deposits | 27.3719% | 5,970 |
| Total domestic deposits to total assets | 88.1584% | 1,554 |
| Equity capital to assets | 11.4504% | 2,483 |
| Core capital (leverage) ratio | 10.7683% | 2,654 |
| Tier 1 risk-based capital ratio | 25.2323% | 791 |
| Total risk-based capital ratio | 25.7901% | 845 |
| Memoranda: |
| Average total assets | $379,465,000 | 1,762 |
| Average earning assets | $354,000,500 | 1,759 |
| Average equity | $43,301,500 | 1,719 |
| Average total loans | $77,764,500 | 3,925 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8079% | 5,874 |
| Cost of funding earning assets | 0.1510% | 5,676 |
| Net interest margin | 2.6569% | 5,695 |
| Noninterest income to average assets | 0.4923% | 3,378 |
| Noninterest expense to average assets | 2.0088% | 5,434 |
| Loan and lease loss provision to assets | 0.0075% | 4,248 |
| Net operating income to assets | 0.9499% | 2,610 |
| Return on assets (ROA) | 1.0535% | 2,200 |
| Pretax return on assets | 1.0535% | 3,253 |
| Return on Equity (ROE) | 9.3388% | 2,302 |
| Retained earnings to average equity (ytd only) | 3.1082% | 3,844 |
| Net charge-offs to loans | 0.0998% | 2,417 |
| Credit loss provision to net charge-offs | 41.1765% | 3,515 |
| Earnings coverage of net charge-offs (x) | 52.7647% | 964 |
| Efficiency ratio | 67.7222% | 3,617 |
| Assets per employee ($millions) | 7.3784% | 754 |
| Cash dividends to net income (ytd only)* | 66.7173% | 1,398 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0310% | 4,434 |
| Loan loss allowance to noncurrent loans | 58.7262% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 4,299 |
| Noncurrent loans to loans | 1.7555% | 1,276 |
| Net loans and leases to total assets | 18.1128% | 6,077 |
| Net loans and leases to deposits | 20.5250% | 6,084 |
| Net loans and leases to core deposits | 22.0822% | 6,078 |
| Total domestic deposits to total assets | 88.2476% | 1,510 |
| Equity capital to assets | 11.3713% | 2,470 |
| Core capital (leverage) ratio | 10.8817% | 2,514 |
| Tier 1 risk-based capital ratio | 28.1827% | 592 |
| Total risk-based capital ratio | 28.6861% | 620 |
| Memoranda: |
| Average total assets | $374,757,600 | 1,751 |
| Average earning assets | $348,940,000 | 1,737 |
| Average equity | $42,275,200 | 1,722 |
| Average total loans | $68,103,600 | 4,137 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8114% | 5,951 |
| Cost of funding earning assets | 0.1508% | 5,767 |
| Net interest margin | 2.6606% | 5,771 |
| Noninterest income to average assets | 0.5014% | 3,350 |
| Noninterest expense to average assets | 2.0222% | 5,437 |
| Loan and lease loss provision to assets | -0.0431% | 5,899 |
| Net operating income to assets | 0.9983% | 2,478 |
| Return on assets (ROA) | 1.0360% | 2,391 |
| Pretax return on assets | 1.0360% | 3,481 |
| Return on Equity (ROE) | 9.2026% | 2,465 |
| Retained earnings to average equity (ytd only) | 0.8700% | 5,356 |
| Net charge-offs to loans | -0.1001% | 5,786 |
| Credit loss provision to net charge-offs | 237.2549% | 1,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9187% | 3,560 |
| Assets per employee ($millions) | 6.8688% | 924 |
| Cash dividends to net income (ytd only)* | 90.5465% | 512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0248% | 4,617 |
| Loan loss allowance to noncurrent loans | 65.4475% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 4,620 |
| Noncurrent loans to loans | 1.5658% | 1,593 |
| Net loans and leases to total assets | 18.0399% | 6,163 |
| Net loans and leases to deposits | 20.5136% | 6,176 |
| Net loans and leases to core deposits | 22.0677% | 6,169 |
| Total domestic deposits to total assets | 87.9414% | 1,598 |
| Equity capital to assets | 11.6040% | 2,416 |
| Core capital (leverage) ratio | 10.8665% | 2,623 |
| Tier 1 risk-based capital ratio | 28.1733% | 606 |
| Total risk-based capital ratio | 28.6684% | 643 |
| Memoranda: |
| Average total assets | $374,372,750 | 1,768 |
| Average earning assets | $348,382,750 | 1,754 |
| Average equity | $42,146,500 | 1,746 |
| Average total loans | $67,912,500 | 4,182 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8175% | 5,999 |
| Cost of funding earning assets | 0.1502% | 5,844 |
| Net interest margin | 2.6673% | 5,804 |
| Noninterest income to average assets | 0.4976% | 3,393 |
| Noninterest expense to average assets | 2.0280% | 5,474 |
| Loan and lease loss provision to assets | -0.0318% | 5,996 |
| Net operating income to assets | 0.9830% | 2,488 |
| Return on assets (ROA) | 1.0571% | 2,221 |
| Pretax return on assets | 1.0571% | 3,354 |
| Return on Equity (ROE) | 9.4838% | 2,306 |
| Retained earnings to average equity (ytd only) | 0.0997% | 5,474 |
| Net charge-offs to loans | -0.1081% | 5,817 |
| Credit loss provision to net charge-offs | 162.1622% | 1,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0704% | 3,657 |
| Assets per employee ($millions) | 6.8840% | 873 |
| Cash dividends to net income (ytd only)* | 98.9484% | 538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0661% | 4,509 |
| Loan loss allowance to noncurrent loans | 104.3042% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 4,920 |
| Noncurrent loans to loans | 1.0221% | 2,603 |
| Net loans and leases to total assets | 18.1485% | 6,228 |
| Net loans and leases to deposits | 20.4773% | 6,246 |
| Net loans and leases to core deposits | 22.0602% | 6,234 |
| Total domestic deposits to total assets | 88.6271% | 1,343 |
| Equity capital to assets | 10.9530% | 2,931 |
| Core capital (leverage) ratio | 10.3462% | 3,151 |
| Tier 1 risk-based capital ratio | 27.7953% | 655 |
| Total risk-based capital ratio | 28.3199% | 687 |
| Memoranda: |
| Average total assets | $377,814,330 | 1,759 |
| Average earning assets | $351,511,670 | 1,737 |
| Average equity | $42,114,000 | 1,758 |
| Average total loans | $68,432,000 | 4,202 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8289% | 6,050 |
| Cost of funding earning assets | 0.1479% | 5,946 |
| Net interest margin | 2.6810% | 5,830 |
| Noninterest income to average assets | 0.4989% | 3,293 |
| Noninterest expense to average assets | 2.0354% | 5,512 |
| Loan and lease loss provision to assets | -0.0630% | 6,179 |
| Net operating income to assets | 1.0198% | 2,161 |
| Return on assets (ROA) | 1.1280% | 1,867 |
| Pretax return on assets | 1.1280% | 2,960 |
| Return on Equity (ROE) | 10.0343% | 1,991 |
| Retained earnings to average equity (ytd only) | 3.8773% | 3,676 |
| Net charge-offs to loans | -0.0583% | 5,603 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0239% | 3,820 |
| Assets per employee ($millions) | 7.1236% | 818 |
| Cash dividends to net income (ytd only)* | 61.3594% | 1,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0560% | 4,728 |
| Loan loss allowance to noncurrent loans | 115.8940% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 5,075 |
| Noncurrent loans to loans | 0.9111% | 2,963 |
| Net loans and leases to total assets | 17.0507% | 6,301 |
| Net loans and leases to deposits | 19.2911% | 6,314 |
| Net loans and leases to core deposits | 20.7229% | 6,305 |
| Total domestic deposits to total assets | 88.3864% | 1,603 |
| Equity capital to assets | 11.2357% | 2,715 |
| Core capital (leverage) ratio | 10.6123% | 2,839 |
| Tier 1 risk-based capital ratio | 27.9687% | 652 |
| Total risk-based capital ratio | 28.4725% | 677 |
| Memoranda: |
| Average total assets | $380,854,500 | 1,751 |
| Average earning assets | $354,197,000 | 1,732 |
| Average equity | $42,813,000 | 1,736 |
| Average total loans | $68,552,500 | 4,214 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0798% | 5,984 |
| Cost of funding earning assets | 0.1568% | 6,058 |
| Net interest margin | 2.9230% | 5,597 |
| Noninterest income to average assets | 0.5397% | 3,240 |
| Noninterest expense to average assets | 2.0807% | 5,617 |
| Loan and lease loss provision to assets | -0.0334% | 5,981 |
| Net operating income to assets | 1.1919% | 1,612 |
| Return on assets (ROA) | 1.2207% | 1,574 |
| Pretax return on assets | 1.2207% | 2,563 |
| Return on Equity (ROE) | 11.4965% | 1,560 |
| Retained earnings to average equity (ytd only) | 4.7373% | 2,804 |
| Net charge-offs to loans | 0.1732% | 2,294 |
| Credit loss provision to net charge-offs | -96.8504% | 5,517 |
| Earnings coverage of net charge-offs (x) | 33.5669% | 1,232 |
| Efficiency ratio | 64.2366% | 4,557 |
| Assets per employee ($millions) | 6.8551% | 904 |
| Cash dividends to net income (ytd only)* | 58.7934% | 1,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0591% | 4,769 |
| Loan loss allowance to noncurrent loans | 151.2097% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 5,253 |
| Noncurrent loans to loans | 0.7004% | 3,581 |
| Net loans and leases to total assets | 18.5833% | 6,383 |
| Net loans and leases to deposits | 21.0229% | 6,394 |
| Net loans and leases to core deposits | 22.6619% | 6,386 |
| Total domestic deposits to total assets | 88.3954% | 1,571 |
| Equity capital to assets | 11.2471% | 2,653 |
| Core capital (leverage) ratio | 10.5930% | 2,846 |
| Tier 1 risk-based capital ratio | 28.8597% | 576 |
| Total risk-based capital ratio | 29.4215% | 596 |
| Memoranda: |
| Average total assets | $367,994,400 | 1,765 |
| Average earning assets | $339,859,600 | 1,760 |
| Average equity | $39,072,800 | 1,811 |
| Average total loans | $73,322,800 | 4,083 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1306% | 5,983 |
| Cost of funding earning assets | 0.1581% | 6,134 |
| Net interest margin | 2.9726% | 5,557 |
| Noninterest income to average assets | 0.5600% | 3,134 |
| Noninterest expense to average assets | 2.0907% | 5,594 |
| Loan and lease loss provision to assets | -0.0416% | 6,158 |
| Net operating income to assets | 1.2530% | 1,516 |
| Return on assets (ROA) | 1.2563% | 1,565 |
| Pretax return on assets | 1.2563% | 2,547 |
| Return on Equity (ROE) | 12.0151% | 1,474 |
| Retained earnings to average equity (ytd only) | 2.8068% | 4,605 |
| Net charge-offs to loans | 0.1551% | 2,255 |
| Credit loss provision to net charge-offs | -132.5581% | 5,490 |
| Earnings coverage of net charge-offs (x) | 38.6409% | 1,162 |
| Efficiency ratio | 63.3142% | 4,659 |
| Assets per employee ($millions) | 6.6515% | 944 |
| Cash dividends to net income (ytd only)* | 76.6397% | 826 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0547% | 4,966 |
| Loan loss allowance to noncurrent loans | 136.9863% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 5,316 |
| Noncurrent loans to loans | 0.7700% | 3,661 |
| Net loans and leases to total assets | 20.5142% | 6,442 |
| Net loans and leases to deposits | 23.1940% | 6,458 |
| Net loans and leases to core deposits | 24.9341% | 6,445 |
| Total domestic deposits to total assets | 88.4462% | 1,531 |
| Equity capital to assets | 11.0353% | 2,918 |
| Core capital (leverage) ratio | 10.5055% | 3,033 |
| Tier 1 risk-based capital ratio | 27.7534% | 659 |
| Total risk-based capital ratio | 28.3429% | 688 |
| Memoranda: |
| Average total assets | $365,735,000 | 1,792 |
| Average earning assets | $337,389,750 | 1,789 |
| Average equity | $38,239,750 | 1,854 |
| Average total loans | $73,949,750 | 4,092 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1480% | 6,008 |
| Cost of funding earning assets | 0.1585% | 6,207 |
| Net interest margin | 2.9895% | 5,558 |
| Noninterest income to average assets | 0.5863% | 2,885 |
| Noninterest expense to average assets | 2.0957% | 5,631 |
| Loan and lease loss provision to assets | -0.0634% | 6,322 |
| Net operating income to assets | 1.3082% | 1,286 |
| Return on assets (ROA) | 1.3038% | 1,347 |
| Pretax return on assets | 1.3038% | 2,240 |
| Return on Equity (ROE) | 12.7047% | 1,257 |
| Retained earnings to average equity (ytd only) | 2.1530% | 4,819 |
| Net charge-offs to loans | 0.2291% | 1,667 |
| Credit loss provision to net charge-offs | -138.0952% | 5,326 |
| Earnings coverage of net charge-offs (x) | 27.0952% | 1,354 |
| Efficiency ratio | 62.7374% | 4,904 |
| Assets per employee ($millions) | 6.6495% | 946 |
| Cash dividends to net income (ytd only)* | 83.0537% | 827 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0745% | 5,008 |
| Loan loss allowance to noncurrent loans | 144.6655% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 5,463 |
| Noncurrent loans to loans | 0.7428% | 3,844 |
| Net loans and leases to total assets | 20.1389% | 6,503 |
| Net loans and leases to deposits | 22.7110% | 6,526 |
| Net loans and leases to core deposits | 24.3836% | 6,517 |
| Total domestic deposits to total assets | 88.6747% | 1,554 |
| Equity capital to assets | 10.8725% | 3,010 |
| Core capital (leverage) ratio | 10.3171% | 3,187 |
| Tier 1 risk-based capital ratio | 27.4602% | 674 |
| Total risk-based capital ratio | 28.0496% | 702 |
| Memoranda: |
| Average total assets | $365,701,670 | 1,792 |
| Average earning assets | $336,914,670 | 1,785 |
| Average equity | $37,529,330 | 1,876 |
| Average total loans | $73,317,000 | 4,126 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1054% | 6,111 |
| Cost of funding earning assets | 0.1590% | 6,303 |
| Net interest margin | 2.9464% | 5,652 |
| Noninterest income to average assets | 0.6650% | 2,373 |
| Noninterest expense to average assets | 2.0990% | 5,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2820% | 1,263 |
| Return on assets (ROA) | 1.2732% | 1,339 |
| Pretax return on assets | 1.2732% | 2,206 |
| Return on Equity (ROE) | 12.7868% | 1,212 |
| Retained earnings to average equity (ytd only) | 5.5366% | 2,770 |
| Net charge-offs to loans | -0.5278% | 6,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0835% | 5,104 |
| Assets per employee ($millions) | 6.6791% | 937 |
| Cash dividends to net income (ytd only)* | 56.7010% | 1,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4881% | 3,191 |
| Loan loss allowance to noncurrent loans | 61.7465% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 4,436 |
| Noncurrent loans to loans | 2.4100% | 1,456 |
| Net loans and leases to total assets | 19.7511% | 6,581 |
| Net loans and leases to deposits | 22.0700% | 6,600 |
| Net loans and leases to core deposits | 23.6248% | 6,587 |
| Total domestic deposits to total assets | 89.4932% | 1,367 |
| Equity capital to assets | 10.1031% | 3,721 |
| Core capital (leverage) ratio | 10.4573% | 2,981 |
| Tier 1 risk-based capital ratio | 27.5897% | 669 |
| Total risk-based capital ratio | 28.3940% | 689 |
| Memoranda: |
| Average total assets | $365,692,500 | 1,796 |
| Average earning assets | $337,088,000 | 1,791 |
| Average equity | $36,412,500 | 1,919 |
| Average total loans | $72,749,500 | 4,173 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9206% | 6,410 |
| Cost of funding earning assets | 0.1698% | 6,444 |
| Net interest margin | 2.7508% | 6,062 |
| Noninterest income to average assets | 0.5331% | 3,537 |
| Noninterest expense to average assets | 2.1446% | 5,740 |
| Loan and lease loss provision to assets | -0.4151% | 6,722 |
| Net operating income to assets | 1.3306% | 1,181 |
| Return on assets (ROA) | 1.3594% | 1,158 |
| Pretax return on assets | 1.3594% | 1,934 |
| Return on Equity (ROE) | 13.0278% | 1,162 |
| Retained earnings to average equity (ytd only) | 4.7391% | 2,785 |
| Net charge-offs to loans | -1.5160% | 6,767 |
| Credit loss provision to net charge-offs | 120.2429% | 1,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0831% | 3,825 |
| Assets per employee ($millions) | 7.0007% | 771 |
| Cash dividends to net income (ytd only)* | 63.6233% | 1,602 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3918% | 3,697 |
| Loan loss allowance to noncurrent loans | 71.7875% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 4,622 |
| Noncurrent loans to loans | 1.9388% | 2,064 |
| Net loans and leases to total assets | 19.4616% | 6,675 |
| Net loans and leases to deposits | 21.6694% | 6,690 |
| Net loans and leases to core deposits | 23.2728% | 6,682 |
| Total domestic deposits to total assets | 89.8117% | 1,174 |
| Equity capital to assets | 9.8098% | 4,026 |
| Core capital (leverage) ratio | 10.2724% | 3,189 |
| Tier 1 risk-based capital ratio | 28.1685% | 599 |
| Total risk-based capital ratio | 28.9289% | 616 |
| Memoranda: |
| Average total assets | $357,739,000 | 1,810 |
| Average earning assets | $328,631,600 | 1,806 |
| Average equity | $37,328,000 | 1,857 |
| Average total loans | $81,465,600 | 3,892 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9051% | 6,489 |
| Cost of funding earning assets | 0.1717% | 6,541 |
| Net interest margin | 2.7334% | 6,114 |
| Noninterest income to average assets | 0.5641% | 3,368 |
| Noninterest expense to average assets | 2.1214% | 5,788 |
| Loan and lease loss provision to assets | -0.4896% | 6,830 |
| Net operating income to assets | 1.4416% | 1,003 |
| Return on assets (ROA) | 1.4424% | 1,057 |
| Pretax return on assets | 1.4424% | 1,788 |
| Return on Equity (ROE) | 13.6149% | 1,095 |
| Retained earnings to average equity (ytd only) | 2.6785% | 4,714 |
| Net charge-offs to loans | -1.9999% | 6,847 |
| Credit loss provision to net charge-offs | 103.9746% | 2,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0256% | 3,912 |
| Assets per employee ($millions) | 6.5017% | 936 |
| Cash dividends to net income (ytd only)* | 80.3270% | 768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4582% | 3,649 |
| Loan loss allowance to noncurrent loans | 40.0534% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 3,783 |
| Noncurrent loans to loans | 3.6407% | 1,019 |
| Net loans and leases to total assets | 23.0967% | 6,703 |
| Net loans and leases to deposits | 25.7725% | 6,731 |
| Net loans and leases to core deposits | 27.9254% | 6,712 |
| Total domestic deposits to total assets | 89.6176% | 1,213 |
| Equity capital to assets | 9.8939% | 4,062 |
| Core capital (leverage) ratio | 10.3869% | 3,124 |
| Tier 1 risk-based capital ratio | 27.1462% | 689 |
| Total risk-based capital ratio | 28.0442% | 707 |
| Memoranda: |
| Average total assets | $356,165,250 | 1,828 |
| Average earning assets | $326,956,500 | 1,825 |
| Average equity | $37,732,250 | 1,851 |
| Average total loans | $83,870,250 | 3,863 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9638% | 6,479 |
| Cost of funding earning assets | 0.1728% | 6,610 |
| Net interest margin | 2.7911% | 6,021 |
| Noninterest income to average assets | 0.5818% | 3,306 |
| Noninterest expense to average assets | 2.1103% | 5,850 |
| Loan and lease loss provision to assets | -0.3314% | 6,839 |
| Net operating income to assets | 1.3670% | 1,148 |
| Return on assets (ROA) | 1.3637% | 1,244 |
| Pretax return on assets | 1.3637% | 2,069 |
| Return on Equity (ROE) | 12.5998% | 1,337 |
| Retained earnings to average equity (ytd only) | 0.8056% | 5,575 |
| Net charge-offs to loans | -1.1801% | 6,876 |
| Credit loss provision to net charge-offs | 119.0763% | 1,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0812% | 4,344 |
| Assets per employee ($millions) | 6.6899% | 829 |
| Cash dividends to net income (ytd only)* | 93.6066% | 620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3622% | 4,200 |
| Loan loss allowance to noncurrent loans | 34.9576% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 3,432 |
| Noncurrent loans to loans | 3.8966% | 1,019 |
| Net loans and leases to total assets | 23.5883% | 6,729 |
| Net loans and leases to deposits | 26.3550% | 6,759 |
| Net loans and leases to core deposits | 28.4960% | 6,744 |
| Total domestic deposits to total assets | 89.5021% | 1,322 |
| Equity capital to assets | 10.0433% | 3,863 |
| Core capital (leverage) ratio | 10.0204% | 3,478 |
| Tier 1 risk-based capital ratio | 26.6181% | 724 |
| Total risk-based capital ratio | 27.4802% | 735 |
| Memoranda: |
| Average total assets | $357,855,670 | 1,823 |
| Average earning assets | $328,763,000 | 1,821 |
| Average equity | $38,730,670 | 1,813 |
| Average total loans | $84,396,670 | 3,866 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0064% | 6,512 |
| Cost of funding earning assets | 0.1732% | 6,707 |
| Net interest margin | 2.8332% | 5,962 |
| Noninterest income to average assets | 0.5641% | 3,350 |
| Noninterest expense to average assets | 2.1519% | 5,800 |
| Loan and lease loss provision to assets | -0.6598% | 6,975 |
| Net operating income to assets | 1.6745% | 620 |
| Return on assets (ROA) | 1.6679% | 692 |
| Pretax return on assets | 1.6679% | 1,157 |
| Return on Equity (ROE) | 14.8817% | 795 |
| Retained earnings to average equity (ytd only) | 7.8132% | 1,820 |
| Net charge-offs to loans | -2.3896% | 6,960 |
| Credit loss provision to net charge-offs | 117.8926% | 1,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9550% | 4,320 |
| Assets per employee ($millions) | 6.7349% | 876 |
| Cash dividends to net income (ytd only)* | 47.4983% | 1,650 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4094% | 4,185 |
| Loan loss allowance to noncurrent loans | 95.4733% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 4,961 |
| Noncurrent loans to loans | 1.4762% | 3,347 |
| Net loans and leases to total assets | 22.7330% | 6,802 |
| Net loans and leases to deposits | 25.7628% | 6,825 |
| Net loans and leases to core deposits | 27.8768% | 6,801 |
| Total domestic deposits to total assets | 88.2399% | 2,169 |
| Equity capital to assets | 11.3584% | 2,572 |
| Core capital (leverage) ratio | 10.2709% | 3,047 |
| Tier 1 risk-based capital ratio | 27.3852% | 677 |
| Total risk-based capital ratio | 28.2606% | 692 |
| Memoranda: |
| Average total assets | $359,500,500 | 1,839 |
| Average earning assets | $330,231,000 | 1,834 |
| Average equity | $40,291,000 | 1,765 |
| Average total loans | $84,199,500 | 3,896 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4524% | 6,412 |
| Cost of funding earning assets | 0.2689% | 6,596 |
| Net interest margin | 3.1835% | 5,610 |
| Noninterest income to average assets | 0.4285% | 4,395 |
| Noninterest expense to average assets | 2.0728% | 6,186 |
| Loan and lease loss provision to assets | 0.0135% | 5,741 |
| Net operating income to assets | 1.2708% | 1,394 |
| Return on assets (ROA) | 1.4144% | 1,190 |
| Pretax return on assets | 1.4144% | 1,994 |
| Return on Equity (ROE) | 13.3903% | 1,132 |
| Retained earnings to average equity (ytd only) | 5.9437% | 2,109 |
| Net charge-offs to loans | 0.8555% | 1,338 |
| Credit loss provision to net charge-offs | 6.0271% | 5,433 |
| Earnings coverage of net charge-offs (x) | 5.7220% | 2,968 |
| Efficiency ratio | 61.7434% | 5,275 |
| Assets per employee ($millions) | 6.8311% | 841 |
| Cash dividends to net income (ytd only)* | 55.6119% | 2,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4519% | 3,932 |
| Loan loss allowance to noncurrent loans | 68.3060% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 4,642 |
| Noncurrent loans to loans | 2.1256% | 2,554 |
| Net loans and leases to total assets | 23.4341% | 6,870 |
| Net loans and leases to deposits | 26.4496% | 6,897 |
| Net loans and leases to core deposits | 28.5765% | 6,874 |
| Total domestic deposits to total assets | 88.5991% | 1,840 |
| Equity capital to assets | 11.0587% | 2,883 |
| Core capital (leverage) ratio | 9.8253% | 3,634 |
| Tier 1 risk-based capital ratio | 26.1154% | 759 |
| Total risk-based capital ratio | 27.0339% | 783 |
| Memoranda: |
| Average total assets | $362,215,200 | 1,795 |
| Average earning assets | $333,220,400 | 1,775 |
| Average equity | $38,259,000 | 1,819 |
| Average total loans | $95,034,800 | 3,642 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5463% | 6,457 |
| Cost of funding earning assets | 0.2978% | 6,628 |
| Net interest margin | 3.2486% | 5,552 |
| Noninterest income to average assets | 0.3769% | 4,809 |
| Noninterest expense to average assets | 2.0854% | 6,194 |
| Loan and lease loss provision to assets | -0.0055% | 6,950 |
| Net operating income to assets | 1.2886% | 1,474 |
| Return on assets (ROA) | 1.4781% | 1,177 |
| Pretax return on assets | 1.4781% | 1,963 |
| Return on Equity (ROE) | 14.1601% | 1,073 |
| Retained earnings to average equity (ytd only) | 4.1147% | 4,008 |
| Net charge-offs to loans | 0.4098% | 2,458 |
| Credit loss provision to net charge-offs | -5.0167% | 6,087 |
| Earnings coverage of net charge-offs (x) | 11.6588% | 2,058 |
| Efficiency ratio | 61.9100% | 5,160 |
| Assets per employee ($millions) | 6.7087% | 857 |
| Cash dividends to net income (ytd only)* | 70.9412% | 896 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8193% | 2,732 |
| Loan loss allowance to noncurrent loans | 66.5102% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 4,552 |
| Noncurrent loans to loans | 2.7354% | 2,071 |
| Net loans and leases to total assets | 25.3242% | 6,935 |
| Net loans and leases to deposits | 28.6113% | 6,976 |
| Net loans and leases to core deposits | 30.8172% | 6,954 |
| Total domestic deposits to total assets | 88.5111% | 1,717 |
| Equity capital to assets | 11.0487% | 3,211 |
| Core capital (leverage) ratio | 9.6806% | 3,997 |
| Tier 1 risk-based capital ratio | 25.0642% | 902 |
| Total risk-based capital ratio | 26.2955% | 893 |
| Memoranda: |
| Average total assets | $362,256,750 | 1,821 |
| Average earning assets | $333,596,500 | 1,796 |
| Average equity | $37,814,250 | 1,857 |
| Average total loans | $97,270,250 | 3,626 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5512% | 6,542 |
| Cost of funding earning assets | 0.3459% | 6,526 |
| Net interest margin | 3.2053% | 5,723 |
| Noninterest income to average assets | 0.4301% | 4,431 |
| Noninterest expense to average assets | 2.0533% | 6,326 |
| Loan and lease loss provision to assets | 0.4213% | 1,550 |
| Net operating income to assets | 0.9126% | 2,848 |
| Return on assets (ROA) | 0.9308% | 3,020 |
| Pretax return on assets | 0.9308% | 3,960 |
| Return on Equity (ROE) | 9.0946% | 2,776 |
| Retained earnings to average equity (ytd only) | -2.4328% | 6,404 |
| Net charge-offs to loans | 2.1858% | 358 |
| Credit loss provision to net charge-offs | 70.8449% | 3,538 |
| Earnings coverage of net charge-offs (x) | 2.2433% | 3,871 |
| Efficiency ratio | 60.6194% | 5,483 |
| Assets per employee ($millions) | 6.4376% | 994 |
| Cash dividends to net income (ytd only)* | 126.7497% | 239 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7765% | 2,938 |
| Loan loss allowance to noncurrent loans | 70.5102% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8979% | 4,577 |
| Noncurrent loans to loans | 2.5195% | 2,396 |
| Net loans and leases to total assets | 26.0730% | 6,977 |
| Net loans and leases to deposits | 29.1562% | 7,019 |
| Net loans and leases to core deposits | 31.6748% | 6,994 |
| Total domestic deposits to total assets | 89.4253% | 1,254 |
| Equity capital to assets | 10.1847% | 4,069 |
| Core capital (leverage) ratio | 9.0564% | 4,827 |
| Tier 1 risk-based capital ratio | 24.8266% | 919 |
| Total risk-based capital ratio | 26.0764% | 904 |
| Memoranda: |
| Average total assets | $362,252,330 | 1,821 |
| Average earning assets | $334,195,000 | 1,797 |
| Average equity | $37,077,000 | 1,877 |
| Average total loans | $98,546,330 | 3,608 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5818% | 6,596 |
| Cost of funding earning assets | 0.4534% | 6,125 |
| Net interest margin | 3.1284% | 5,961 |
| Noninterest income to average assets | 0.4076% | 4,618 |
| Noninterest expense to average assets | 2.0588% | 6,363 |
| Loan and lease loss provision to assets | -0.0275% | 7,127 |
| Net operating income to assets | 1.2646% | 1,557 |
| Return on assets (ROA) | 1.1963% | 1,932 |
| Pretax return on assets | 1.1963% | 2,925 |
| Return on Equity (ROE) | 11.6594% | 1,787 |
| Retained earnings to average equity (ytd only) | 4.0046% | 4,185 |
| Net charge-offs to loans | -0.1000% | 6,784 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4666% | 5,195 |
| Assets per employee ($millions) | 6.6305% | 914 |
| Cash dividends to net income (ytd only)* | 65.6538% | 1,072 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0552% | 2,205 |
| Loan loss allowance to noncurrent loans | 40.3042% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 1.6066% | 3,439 |
| Noncurrent loans to loans | 5.0993% | 1,092 |
| Net loans and leases to total assets | 26.3191% | 7,027 |
| Net loans and leases to deposits | 29.4866% | 7,063 |
| Net loans and leases to core deposits | 32.3615% | 7,033 |
| Total domestic deposits to total assets | 89.2576% | 1,513 |
| Equity capital to assets | 10.3868% | 3,627 |
| Core capital (leverage) ratio | 9.2070% | 4,505 |
| Tier 1 risk-based capital ratio | 24.9591% | 912 |
| Total risk-based capital ratio | 26.2123% | 898 |
| Memoranda: |
| Average total assets | $363,127,000 | 1,823 |
| Average earning assets | $335,251,000 | 1,803 |
| Average equity | $37,257,500 | 1,872 |
| Average total loans | $99,972,500 | 3,598 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0703% | 6,318 |
| Cost of funding earning assets | 0.3658% | 6,973 |
| Net interest margin | 3.7046% | 4,278 |
| Noninterest income to average assets | 0.6131% | 3,098 |
| Noninterest expense to average assets | 2.1644% | 6,346 |
| Loan and lease loss provision to assets | 0.0198% | 6,325 |
| Net operating income to assets | 1.8182% | 444 |
| Return on assets (ROA) | 1.9427% | 373 |
| Pretax return on assets | 1.9427% | 606 |
| Return on Equity (ROE) | 20.6124% | 242 |
| Retained earnings to average equity (ytd only) | 13.5821% | 191 |
| Net charge-offs to loans | 0.1973% | 4,565 |
| Credit loss provision to net charge-offs | 31.3364% | 5,762 |
| Earnings coverage of net charge-offs (x) | 29.1060% | 861 |
| Efficiency ratio | 54.0788% | 6,510 |
| Assets per employee ($millions) | 6.5742% | 919 |
| Cash dividends to net income (ytd only)* | 34.1072% | 2,919 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9754% | 2,352 |
| Loan loss allowance to noncurrent loans | 41.3977% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 1.7695% | 3,301 |
| Noncurrent loans to loans | 4.7719% | 1,217 |
| Net loans and leases to total assets | 27.6393% | 7,069 |
| Net loans and leases to deposits | 31.1764% | 7,109 |
| Net loans and leases to core deposits | 34.8572% | 7,062 |
| Total domestic deposits to total assets | 88.6548% | 1,749 |
| Equity capital to assets | 10.1325% | 3,993 |
| Core capital (leverage) ratio | 9.4602% | 4,091 |
| Tier 1 risk-based capital ratio | 24.0888% | 960 |
| Total risk-based capital ratio | 25.3410% | 946 |
| Memoranda: |
| Average total assets | $343,645,000 | 1,885 |
| Average earning assets | $314,396,800 | 1,876 |
| Average equity | $32,388,200 | 2,057 |
| Average total loans | $109,998,600 | 3,384 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1878% | 6,237 |
| Cost of funding earning assets | 0.3869% | 7,042 |
| Net interest margin | 3.8009% | 3,882 |
| Noninterest income to average assets | 0.5291% | 3,662 |
| Noninterest expense to average assets | 2.2231% | 6,227 |
| Loan and lease loss provision to assets | 0.0527% | 5,790 |
| Net operating income to assets | 1.7254% | 592 |
| Return on assets (ROA) | 1.8567% | 500 |
| Pretax return on assets | 1.8567% | 850 |
| Return on Equity (ROE) | 20.1021% | 304 |
| Retained earnings to average equity (ytd only) | 10.4107% | 745 |
| Net charge-offs to loans | 0.3369% | 3,408 |
| Credit loss provision to net charge-offs | 47.3498% | 5,092 |
| Earnings coverage of net charge-offs (x) | 15.9825% | 1,426 |
| Efficiency ratio | 55.5610% | 6,336 |
| Assets per employee ($millions) | 6.3193% | 1,028 |
| Cash dividends to net income (ytd only)* | 48.2108% | 1,671 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8491% | 2,780 |
| Loan loss allowance to noncurrent loans | 49.6426% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 1.5836% | 3,716 |
| Noncurrent loans to loans | 3.7249% | 1,825 |
| Net loans and leases to total assets | 30.7578% | 7,065 |
| Net loans and leases to deposits | 34.6846% | 7,108 |
| Net loans and leases to core deposits | 38.0396% | 7,083 |
| Total domestic deposits to total assets | 88.6785% | 1,641 |
| Equity capital to assets | 9.9485% | 4,410 |
| Core capital (leverage) ratio | 9.3630% | 4,359 |
| Tier 1 risk-based capital ratio | 23.1923% | 1,124 |
| Total risk-based capital ratio | 24.4451% | 1,104 |
| Memoranda: |
| Average total assets | $339,161,500 | 1,916 |
| Average earning assets | $309,811,750 | 1,905 |
| Average equity | $31,326,000 | 2,117 |
| Average total loans | $112,010,250 | 3,370 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2814% | 6,075 |
| Cost of funding earning assets | 0.4103% | 7,103 |
| Net interest margin | 3.8711% | 3,434 |
| Noninterest income to average assets | 0.5209% | 3,698 |
| Noninterest expense to average assets | 2.3201% | 6,065 |
| Loan and lease loss provision to assets | -0.0803% | 7,416 |
| Net operating income to assets | 1.8100% | 490 |
| Return on assets (ROA) | 1.9907% | 365 |
| Pretax return on assets | 1.9907% | 598 |
| Return on Equity (ROE) | 22.1412% | 234 |
| Retained earnings to average equity (ytd only) | 10.9185% | 681 |
| Net charge-offs to loans | 0.0248% | 5,483 |
| Credit loss provision to net charge-offs | -964.2857% | 6,580 |
| Earnings coverage of net charge-offs (x) | 207.7857% | 175 |
| Efficiency ratio | 57.2897% | 6,258 |
| Assets per employee ($millions) | 5.8530% | 1,264 |
| Cash dividends to net income (ytd only)* | 50.6870% | 1,668 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8631% | 2,788 |
| Loan loss allowance to noncurrent loans | 49.5693% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.3386% | 2,817 |
| Noncurrent loans to loans | 3.7585% | 1,865 |
| Net loans and leases to total assets | 31.7990% | 7,118 |
| Net loans and leases to deposits | 35.8068% | 7,174 |
| Net loans and leases to core deposits | 39.5996% | 7,133 |
| Total domestic deposits to total assets | 88.8071% | 1,662 |
| Equity capital to assets | 9.7988% | 4,389 |
| Core capital (leverage) ratio | 9.0963% | 4,572 |
| Tier 1 risk-based capital ratio | 22.9736% | 1,121 |
| Total risk-based capital ratio | 24.2264% | 1,108 |
| Memoranda: |
| Average total assets | $336,361,670 | 1,940 |
| Average earning assets | $306,630,330 | 1,935 |
| Average equity | $30,242,330 | 2,172 |
| Average total loans | $113,041,670 | 3,383 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2626% | 6,117 |
| Cost of funding earning assets | 0.4242% | 7,173 |
| Net interest margin | 3.8384% | 3,425 |
| Noninterest income to average assets | 0.5010% | 3,877 |
| Noninterest expense to average assets | 2.2811% | 6,240 |
| Loan and lease loss provision to assets | -0.1777% | 7,503 |
| Net operating income to assets | 1.9021% | 403 |
| Return on assets (ROA) | 1.9021% | 426 |
| Pretax return on assets | 1.9021% | 677 |
| Return on Equity (ROE) | 22.1380% | 238 |
| Retained earnings to average equity (ytd only) | 14.7495% | 414 |
| Net charge-offs to loans | -0.0035% | 6,211 |
| Credit loss provision to net charge-offs | 15,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9486% | 6,388 |
| Assets per employee ($millions) | 5.9452% | 1,239 |
| Cash dividends to net income (ytd only)* | 33.3748% | 1,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7767% | 3,078 |
| Loan loss allowance to noncurrent loans | 46.8917% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.3581% | 2,886 |
| Noncurrent loans to loans | 3.7890% | 1,936 |
| Net loans and leases to total assets | 32.8561% | 7,130 |
| Net loans and leases to deposits | 36.6130% | 7,206 |
| Net loans and leases to core deposits | 40.5006% | 7,156 |
| Total domestic deposits to total assets | 89.7387% | 1,329 |
| Equity capital to assets | 8.9346% | 5,302 |
| Core capital (leverage) ratio | 8.9069% | 4,761 |
| Tier 1 risk-based capital ratio | 21.8413% | 1,253 |
| Total risk-based capital ratio | 23.0934% | 1,222 |
| Memoranda: |
| Average total assets | $337,732,000 | 1,942 |
| Average earning assets | $308,356,500 | 1,932 |
| Average equity | $29,018,000 | 2,228 |
| Average total loans | $115,511,500 | 3,353 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5440% | 6,274 |
| Cost of funding earning assets | 0.5815% | 7,159 |
| Net interest margin | 3.9626% | 3,199 |
| Noninterest income to average assets | 0.4245% | 4,711 |
| Noninterest expense to average assets | 2.3925% | 6,104 |
| Loan and lease loss provision to assets | 0.6182% | 2,666 |
| Net operating income to assets | 1.0100% | 2,005 |
| Return on assets (ROA) | 1.0996% | 1,784 |
| Pretax return on assets | 1.0996% | 2,581 |
| Return on Equity (ROE) | 12.5267% | 1,212 |
| Retained earnings to average equity (ytd only) | 5.1258% | 2,347 |
| Net charge-offs to loans | 1.3946% | 1,598 |
| Credit loss provision to net charge-offs | 108.6702% | 4,064 |
| Earnings coverage of net charge-offs (x) | 2.8622% | 3,643 |
| Efficiency ratio | 59.4371% | 6,132 |
| Assets per employee ($millions) | 5.9051% | 1,277 |
| Cash dividends to net income (ytd only)* | 59.0809% | 1,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8382% | 2,724 |
| Loan loss allowance to noncurrent loans | 39.4276% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 2.2630% | 3,012 |
| Noncurrent loans to loans | 4.6623% | 1,500 |
| Net loans and leases to total assets | 34.3163% | 7,213 |
| Net loans and leases to deposits | 37.9466% | 7,305 |
| Net loans and leases to core deposits | 42.5718% | 7,242 |
| Total domestic deposits to total assets | 90.4331% | 871 |
| Equity capital to assets | 8.2472% | 6,208 |
| Core capital (leverage) ratio | 8.4789% | 5,402 |
| Tier 1 risk-based capital ratio | 20.9528% | 1,323 |
| Total risk-based capital ratio | 22.2065% | 1,300 |
| Memoranda: |
| Average total assets | $330,493,400 | 1,967 |
| Average earning assets | $299,931,800 | 1,978 |
| Average equity | $29,010,000 | 2,237 |
| Average total loans | $134,804,400 | 3,036 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6219% | 6,280 |
| Cost of funding earning assets | 0.6052% | 7,278 |
| Net interest margin | 4.0168% | 3,020 |
| Noninterest income to average assets | 0.4203% | 4,797 |
| Noninterest expense to average assets | 2.4184% | 5,975 |
| Loan and lease loss provision to assets | 0.7968% | 1,904 |
| Net operating income to assets | 0.8422% | 2,837 |
| Return on assets (ROA) | 0.9452% | 2,563 |
| Pretax return on assets | 0.9452% | 3,386 |
| Return on Equity (ROE) | 10.6036% | 1,902 |
| Retained earnings to average equity (ytd only) | 0.8412% | 5,471 |
| Net charge-offs to loans | 1.5731% | 1,263 |
| Credit loss provision to net charge-offs | 119.8050% | 3,444 |
| Earnings coverage of net charge-offs (x) | 2.4643% | 3,938 |
| Efficiency ratio | 59.5145% | 6,026 |
| Assets per employee ($millions) | 5.8888% | 1,309 |
| Cash dividends to net income (ytd only)* | 92.0669% | 436 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7970% | 2,796 |
| Loan loss allowance to noncurrent loans | 36.1530% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.6604% | 2,714 |
| Noncurrent loans to loans | 4.9706% | 1,397 |
| Net loans and leases to total assets | 37.8524% | 7,187 |
| Net loans and leases to deposits | 42.3010% | 7,293 |
| Net loans and leases to core deposits | 48.9074% | 7,166 |
| Total domestic deposits to total assets | 89.4834% | 1,133 |
| Equity capital to assets | 9.1051% | 5,444 |
| Core capital (leverage) ratio | 8.2736% | 5,918 |
| Tier 1 risk-based capital ratio | 18.2984% | 1,935 |
| Total risk-based capital ratio | 19.5515% | 1,890 |
| Memoranda: |
| Average total assets | $328,969,500 | 2,004 |
| Average earning assets | $297,877,250 | 2,018 |
| Average equity | $29,322,750 | 2,252 |
| Average total loans | $139,088,500 | 3,001 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6726% | 6,239 |
| Cost of funding earning assets | 0.6274% | 7,345 |
| Net interest margin | 4.0452% | 2,816 |
| Noninterest income to average assets | 0.4364% | 4,641 |
| Noninterest expense to average assets | 2.4007% | 6,069 |
| Loan and lease loss provision to assets | 1.0173% | 1,433 |
| Net operating income to assets | 0.6770% | 3,499 |
| Return on assets (ROA) | 0.7676% | 3,265 |
| Pretax return on assets | 0.7676% | 3,994 |
| Return on Equity (ROE) | 8.6753% | 2,593 |
| Retained earnings to average equity (ytd only) | -2.4628% | 6,218 |
| Net charge-offs to loans | 1.9491% | 940 |
| Credit loss provision to net charge-offs | 119.8270% | 3,398 |
| Earnings coverage of net charge-offs (x) | 1.9957% | 4,029 |
| Efficiency ratio | 58.4903% | 6,307 |
| Assets per employee ($millions) | 5.6913% | 1,448 |
| Cash dividends to net income (ytd only)* | 128.3892% | 243 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6629% | 3,212 |
| Loan loss allowance to noncurrent loans | 24.4492% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 3.8546% | 1,800 |
| Noncurrent loans to loans | 6.8016% | 857 |
| Net loans and leases to total assets | 40.0650% | 7,162 |
| Net loans and leases to deposits | 44.4450% | 7,307 |
| Net loans and leases to core deposits | 48.9481% | 7,252 |
| Total domestic deposits to total assets | 90.1452% | 842 |
| Equity capital to assets | 8.4810% | 6,184 |
| Core capital (leverage) ratio | 8.4407% | 5,510 |
| Tier 1 risk-based capital ratio | 16.7918% | 2,364 |
| Total risk-based capital ratio | 18.0435% | 2,315 |
| Memoranda: |
| Average total assets | $326,739,670 | 2,032 |
| Average earning assets | $295,508,670 | 2,053 |
| Average equity | $28,909,670 | 2,267 |
| Average total loans | $142,324,670 | 2,968 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9421% | 5,262 |
| Cost of funding earning assets | 0.6349% | 7,482 |
| Net interest margin | 4.3072% | 1,670 |
| Noninterest income to average assets | 0.4035% | 4,892 |
| Noninterest expense to average assets | 2.3773% | 6,172 |
| Loan and lease loss provision to assets | 1.0676% | 1,158 |
| Net operating income to assets | 0.8491% | 2,756 |
| Return on assets (ROA) | 0.8491% | 2,848 |
| Pretax return on assets | 0.8491% | 3,674 |
| Return on Equity (ROE) | 9.3938% | 2,341 |
| Retained earnings to average equity (ytd only) | 2.0188% | 4,921 |
| Net charge-offs to loans | 1.8196% | 953 |
| Credit loss provision to net charge-offs | 130.3030% | 2,708 |
| Earnings coverage of net charge-offs (x) | 2.3394% | 3,376 |
| Efficiency ratio | 55.3628% | 6,842 |
| Assets per employee ($millions) | 5.4752% | 1,690 |
| Cash dividends to net income (ytd only)* | 78.5088% | 873 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5353% | 3,722 |
| Loan loss allowance to noncurrent loans | 33.7527% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 2.5285% | 2,872 |
| Noncurrent loans to loans | 4.5486% | 1,632 |
| Net loans and leases to total assets | 43.6781% | 7,019 |
| Net loans and leases to deposits | 48.7759% | 7,189 |
| Net loans and leases to core deposits | 53.6758% | 7,125 |
| Total domestic deposits to total assets | 89.5485% | 1,210 |
| Equity capital to assets | 9.0584% | 5,191 |
| Core capital (leverage) ratio | 8.6686% | 5,078 |
| Tier 1 risk-based capital ratio | 16.3390% | 2,511 |
| Total risk-based capital ratio | 17.5892% | 2,473 |
| Memoranda: |
| Average total assets | $322,217,500 | 2,107 |
| Average earning assets | $291,050,000 | 2,139 |
| Average equity | $29,125,500 | 2,277 |
| Average total loans | $145,083,500 | 2,982 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3042% | 5,158 |
| Cost of funding earning assets | 0.9146% | 7,375 |
| Net interest margin | 4.3896% | 1,463 |
| Noninterest income to average assets | 0.4425% | 4,864 |
| Noninterest expense to average assets | 2.3614% | 6,568 |
| Loan and lease loss provision to assets | 0.5760% | 3,500 |
| Net operating income to assets | 1.4708% | 715 |
| Return on assets (ROA) | 1.6501% | 516 |
| Pretax return on assets | 1.6501% | 868 |
| Return on Equity (ROE) | 20.1192% | 239 |
| Retained earnings to average equity (ytd only) | 10.5004% | 324 |
| Net charge-offs to loans | 1.2585% | 1,965 |
| Credit loss provision to net charge-offs | 93.9516% | 5,853 |
| Earnings coverage of net charge-offs (x) | 3.3387% | 3,395 |
| Efficiency ratio | 53.5539% | 7,271 |
| Assets per employee ($millions) | 5.2688% | 1,863 |
| Cash dividends to net income (ytd only)* | 47.8090% | 2,577 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3617% | 4,423 |
| Loan loss allowance to noncurrent loans | 29.3772% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 2.6562% | 2,642 |
| Noncurrent loans to loans | 4.6354% | 1,516 |
| Net loans and leases to total assets | 45.0751% | 7,048 |
| Net loans and leases to deposits | 50.2961% | 7,247 |
| Net loans and leases to core deposits | 59.7988% | 7,271 |
| Total domestic deposits to total assets | 89.6194% | 1,146 |
| Equity capital to assets | 9.0196% | 5,117 |
| Core capital (leverage) ratio | 8.5324% | 5,234 |
| Tier 1 risk-based capital ratio | 15.9445% | 2,547 |
| Total risk-based capital ratio | 17.1216% | 2,509 |
| Memoranda: |
| Average total assets | $323,624,400 | 2,097 |
| Average earning assets | $292,372,400 | 2,112 |
| Average equity | $26,541,800 | 2,487 |
| Average total loans | $157,647,200 | 2,808 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3824% | 5,030 |
| Cost of funding earning assets | 0.9884% | 7,416 |
| Net interest margin | 4.3939% | 1,457 |
| Noninterest income to average assets | 0.4504% | 4,894 |
| Noninterest expense to average assets | 2.3998% | 6,420 |
| Loan and lease loss provision to assets | 0.3808% | 4,045 |
| Net operating income to assets | 1.6427% | 616 |
| Return on assets (ROA) | 1.8405% | 429 |
| Pretax return on assets | 1.8405% | 746 |
| Return on Equity (ROE) | 23.0101% | 174 |
| Retained earnings to average equity (ytd only) | 9.8828% | 660 |
| Net charge-offs to loans | 0.9363% | 2,096 |
| Credit loss provision to net charge-offs | 82.2380% | 5,702 |
| Earnings coverage of net charge-offs (x) | 4.3694% | 3,159 |
| Efficiency ratio | 54.2445% | 7,212 |
| Assets per employee ($millions) | 5.3630% | 1,738 |
| Cash dividends to net income (ytd only)* | 57.0502% | 1,734 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3142% | 4,414 |
| Loan loss allowance to noncurrent loans | 40.1961% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 2.1484% | 3,160 |
| Noncurrent loans to loans | 3.2695% | 2,316 |
| Net loans and leases to total assets | 48.6507% | 6,896 |
| Net loans and leases to deposits | 54.5307% | 7,172 |
| Net loans and leases to core deposits | 65.0699% | 7,201 |
| Total domestic deposits to total assets | 89.2171% | 1,104 |
| Equity capital to assets | 9.2198% | 5,136 |
| Core capital (leverage) ratio | 8.5333% | 5,429 |
| Tier 1 risk-based capital ratio | 15.0059% | 3,036 |
| Total risk-based capital ratio | 16.1773% | 3,013 |
| Memoranda: |
| Average total assets | $324,180,750 | 2,099 |
| Average earning assets | $293,123,250 | 2,124 |
| Average equity | $25,930,000 | 2,559 |
| Average total loans | $160,341,250 | 2,783 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4234% | 5,022 |
| Cost of funding earning assets | 1.0734% | 7,430 |
| Net interest margin | 4.3500% | 1,522 |
| Noninterest income to average assets | 0.4333% | 5,002 |
| Noninterest expense to average assets | 2.4250% | 6,387 |
| Loan and lease loss provision to assets | 0.1469% | 5,607 |
| Net operating income to assets | 1.8129% | 448 |
| Return on assets (ROA) | 2.0039% | 322 |
| Pretax return on assets | 2.0039% | 564 |
| Return on Equity (ROE) | 26.3512% | 116 |
| Retained earnings to average equity (ytd only) | 10.1332% | 710 |
| Net charge-offs to loans | 0.1780% | 4,462 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 22.2361% | 1,233 |
| Efficiency ratio | 55.2903% | 7,194 |
| Assets per employee ($millions) | 5.2479% | 1,820 |
| Cash dividends to net income (ytd only)* | 61.5455% | 1,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4557% | 3,436 |
| Loan loss allowance to noncurrent loans | 55.8213% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 3,645 |
| Noncurrent loans to loans | 2.6078% | 2,776 |
| Net loans and leases to total assets | 48.8701% | 6,966 |
| Net loans and leases to deposits | 55.2713% | 7,201 |
| Net loans and leases to core deposits | 66.5412% | 7,186 |
| Total domestic deposits to total assets | 88.4186% | 1,567 |
| Equity capital to assets | 7.9425% | 6,815 |
| Core capital (leverage) ratio | 7.8017% | 6,611 |
| Tier 1 risk-based capital ratio | 14.2765% | 3,365 |
| Total risk-based capital ratio | 15.5268% | 3,299 |
| Memoranda: |
| Average total assets | $326,768,670 | 2,112 |
| Average earning assets | $296,825,670 | 2,136 |
| Average equity | $24,849,000 | 2,652 |
| Average total loans | $161,792,000 | 2,782 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3291% | 5,760 |
| Cost of funding earning assets | 1.1184% | 7,483 |
| Net interest margin | 4.2107% | 1,857 |
| Noninterest income to average assets | 0.3672% | 5,493 |
| Noninterest expense to average assets | 2.5448% | 5,667 |
| Loan and lease loss provision to assets | 0.1684% | 4,783 |
| Net operating income to assets | 1.4772% | 980 |
| Return on assets (ROA) | 1.5244% | 968 |
| Pretax return on assets | 1.5244% | 1,598 |
| Return on Equity (ROE) | 20.4882% | 393 |
| Retained earnings to average equity (ytd only) | 5.1628% | 3,034 |
| Net charge-offs to loans | -0.0269% | 7,525 |
| Credit loss provision to net charge-offs | -1,263.6364% | 6,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7287% | 6,287 |
| Assets per employee ($millions) | 5.5258% | 1,534 |
| Cash dividends to net income (ytd only)* | 74.8013% | 1,171 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3855% | 3,578 |
| Loan loss allowance to noncurrent loans | 52.3524% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.6915% | 3,389 |
| Noncurrent loans to loans | 2.6464% | 2,480 |
| Net loans and leases to total assets | 48.7335% | 6,964 |
| Net loans and leases to deposits | 53.9216% | 7,292 |
| Net loans and leases to core deposits | 65.2249% | 7,270 |
| Total domestic deposits to total assets | 90.3785% | 651 |
| Equity capital to assets | 7.5799% | 7,283 |
| Core capital (leverage) ratio | 7.6806% | 6,915 |
| Tier 1 risk-based capital ratio | 13.3481% | 3,962 |
| Total risk-based capital ratio | 14.6034% | 3,874 |
| Memoranda: |
| Average total assets | $330,091,000 | 2,112 |
| Average earning assets | $299,714,000 | 2,126 |
| Average equity | $24,560,500 | 2,702 |
| Average total loans | $163,310,000 | 2,795 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9922% | 5,577 |
| Cost of funding earning assets | 1.7482% | 7,135 |
| Net interest margin | 4.2440% | 2,137 |
| Noninterest income to average assets | 0.4825% | 4,779 |
| Noninterest expense to average assets | 2.2789% | 6,762 |
| Loan and lease loss provision to assets | 0.8014% | 1,850 |
| Net operating income to assets | 1.2161% | 1,726 |
| Return on assets (ROA) | 1.2434% | 1,589 |
| Pretax return on assets | 1.2434% | 2,501 |
| Return on Equity (ROE) | 16.0862% | 756 |
| Retained earnings to average equity (ytd only) | -3.2480% | 6,163 |
| Net charge-offs to loans | 0.7027% | 1,756 |
| Credit loss provision to net charge-offs | 228.0878% | 2,081 |
| Earnings coverage of net charge-offs (x) | 5.7420% | 3,549 |
| Efficiency ratio | 53.0266% | 7,380 |
| Assets per employee ($millions) | 5.2164% | 1,712 |
| Cash dividends to net income (ytd only)* | 120.1913% | 677 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3024% | 3,764 |
| Loan loss allowance to noncurrent loans | 150.1416% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 4,806 |
| Noncurrent loans to loans | 0.8675% | 4,887 |
| Net loans and leases to total assets | 48.8857% | 7,115 |
| Net loans and leases to deposits | 53.8666% | 7,446 |
| Net loans and leases to core deposits | 65.6847% | 7,370 |
| Total domestic deposits to total assets | 90.7532% | 404 |
| Equity capital to assets | 7.2999% | 7,560 |
| Core capital (leverage) ratio | 7.8086% | 6,787 |
| Tier 1 risk-based capital ratio | 13.3348% | 3,907 |
| Total risk-based capital ratio | 14.5625% | 3,831 |
| Memoranda: |
| Average total assets | $311,070,800 | 2,146 |
| Average earning assets | $279,545,600 | 2,176 |
| Average equity | $24,045,400 | 2,726 |
| Average total loans | $155,537,200 | 2,841 |
