| 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 | 3.8799% | 4,101 |
| Cost of funding earning assets | 1.2238% | 2,747 |
| Net interest margin | 2.6561% | 3,888 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.0990% | 3,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6046% | 3,434 |
| Return on assets (ROA) | 0.6040% | 3,423 |
| Pretax return on assets | 0.7745% | 3,273 |
| Return on Equity (ROE) | 8.4600% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.4802% | 2,067 |
| Net charge-offs to loans | 0.1315% | 749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 10.6258% | 2,232 |
| Efficiency ratio | 73.0267% | 1,553 |
| Assets per employee ($millions) | 6.5362% | 2,395 |
| Cash dividends to net income (ytd only)* | 23.3941% | 2,820 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1285% | 2,671 |
| Loan loss allowance to noncurrent loans | 244.3142% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 1,744 |
| Noncurrent loans to loans | 0.4619% | 1,626 |
| Net loans and leases to total assets | 57.0100% | 3,122 |
| Net loans and leases to deposits | 67.9000% | 3,042 |
| Net loans and leases to core deposits | 77.2782% | 2,898 |
| Total domestic deposits to total assets | 83.9600% | 2,630 |
| Equity capital to assets | 7.7096% | 3,595 |
| Core capital (leverage) ratio | 10.1855% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $626,359,400 | 1,422 |
| Average earning assets | $581,303,600 | 1,416 |
| Average equity | $44,721,000 | 1,743 |
| Average total loans | $347,460,200 | 1,618 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8126% | 4,100 |
| Cost of funding earning assets | 1.1132% | 2,706 |
| Net interest margin | 2.6994% | 3,881 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.0671% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6679% | 3,391 |
| Return on assets (ROA) | 0.6671% | 3,382 |
| Pretax return on assets | 0.8578% | 3,199 |
| Return on Equity (ROE) | 9.5400% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.1825% | 1,894 |
| Net charge-offs to loans | 0.0062% | 2,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 250.7500% | 513 |
| Efficiency ratio | 70.6468% | 1,717 |
| Assets per employee ($millions) | 6.6284% | 2,228 |
| Cash dividends to net income (ytd only)* | 14.2169% | 2,665 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3124% | 1,809 |
| Loan loss allowance to noncurrent loans | 190.4919% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 1,500 |
| Noncurrent loans to loans | 0.6889% | 1,196 |
| Net loans and leases to total assets | 55.0300% | 3,283 |
| Net loans and leases to deposits | 64.3333% | 3,242 |
| Net loans and leases to core deposits | 71.3563% | 3,142 |
| Total domestic deposits to total assets | 85.5400% | 2,339 |
| Equity capital to assets | 6.6901% | 3,758 |
| Core capital (leverage) ratio | 9.9673% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $622,812,250 | 1,429 |
| Average earning assets | $578,278,750 | 1,422 |
| Average equity | $43,555,250 | 1,762 |
| Average total loans | $341,989,500 | 1,633 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6905% | 4,145 |
| Cost of funding earning assets | 0.9599% | 2,734 |
| Net interest margin | 2.7306% | 3,936 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.0465% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7072% | 3,332 |
| Return on assets (ROA) | 0.7059% | 3,336 |
| Pretax return on assets | 0.9090% | 3,142 |
| Return on Equity (ROE) | 9.9200% | 2,722 |
| Retained earnings to average equity (ytd only) | 7.9157% | 1,988 |
| Net charge-offs to loans | 0.0124% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 134.5238% | 792 |
| Efficiency ratio | 69.2065% | 1,841 |
| Assets per employee ($millions) | 6.9746% | 1,945 |
| Cash dividends to net income (ytd only)* | 20.2283% | 2,435 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3361% | 1,773 |
| Loan loss allowance to noncurrent loans | 190.5215% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 1,416 |
| Noncurrent loans to loans | 0.7013% | 1,064 |
| Net loans and leases to total assets | 52.9700% | 3,343 |
| Net loans and leases to deposits | 61.7950% | 3,317 |
| Net loans and leases to core deposits | 67.6056% | 3,253 |
| Total domestic deposits to total assets | 85.7300% | 2,321 |
| Equity capital to assets | 7.0272% | 3,782 |
| Core capital (leverage) ratio | 10.0218% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $620,472,333 | 1,431 |
| Average earning assets | $576,500,667 | 1,426 |
| Average equity | $44,140,333 | 1,746 |
| Average total loans | $338,944,667 | 1,634 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5974% | 4,158 |
| Cost of funding earning assets | 0.7260% | 2,966 |
| Net interest margin | 2.8714% | 3,829 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.1106% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7739% | 3,283 |
| Return on assets (ROA) | 0.7713% | 3,246 |
| Pretax return on assets | 0.9877% | 3,029 |
| Return on Equity (ROE) | 10.7700% | 2,553 |
| Retained earnings to average equity (ytd only) | 10.7729% | 1,521 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0482% | 1,965 |
| Assets per employee ($millions) | 6.6784% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3702% | 1,735 |
| Loan loss allowance to noncurrent loans | 186.9794% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 1,207 |
| Noncurrent loans to loans | 0.7328% | 1,044 |
| Net loans and leases to total assets | 54.7700% | 3,142 |
| Net loans and leases to deposits | 65.0394% | 3,009 |
| Net loans and leases to core deposits | 68.1219% | 3,091 |
| Total domestic deposits to total assets | 84.2100% | 3,053 |
| Equity capital to assets | 7.4577% | 3,586 |
| Core capital (leverage) ratio | 10.2079% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $609,875,500 | 1,472 |
| Average earning assets | $566,961,000 | 1,472 |
| Average equity | $43,665,000 | 1,776 |
| Average total loans | $336,157,000 | 1,662 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1538% | 3,900 |
| Cost of funding earning assets | 0.3764% | 2,285 |
| Net interest margin | 2.7774% | 3,930 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.9254% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8434% | 3,180 |
| Return on assets (ROA) | 0.8434% | 3,110 |
| Pretax return on assets | 1.0867% | 2,814 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.1131% | 1,453 |
| Net charge-offs to loans | -0.0132% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.9214% | 2,508 |
| Assets per employee ($millions) | 6.5108% | 2,326 |
| Cash dividends to net income (ytd only)* | 15.6515% | 3,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1381% | 2,705 |
| Loan loss allowance to noncurrent loans | 146.8593% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 1,177 |
| Noncurrent loans to loans | 0.7750% | 960 |
| Net loans and leases to total assets | 54.0900% | 3,193 |
| Net loans and leases to deposits | 62.5832% | 3,148 |
| Net loans and leases to core deposits | 64.3947% | 3,239 |
| Total domestic deposits to total assets | 86.4300% | 2,595 |
| Equity capital to assets | 6.8637% | 3,736 |
| Core capital (leverage) ratio | 10.4452% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $615,148,000 | 1,446 |
| Average earning assets | $577,090,200 | 1,433 |
| Average equity | $48,018,800 | 1,674 |
| Average total loans | $309,694,400 | 1,678 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0349% | 3,821 |
| Cost of funding earning assets | 0.3377% | 1,797 |
| Net interest margin | 2.6972% | 3,934 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.9101% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8172% | 3,182 |
| Return on assets (ROA) | 0.8172% | 3,147 |
| Pretax return on assets | 1.0438% | 2,890 |
| Return on Equity (ROE) | 10.1600% | 2,677 |
| Retained earnings to average equity (ytd only) | 9.0705% | 1,627 |
| Net charge-offs to loans | -0.0110% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6636% | 2,460 |
| Assets per employee ($millions) | 6.3650% | 2,433 |
| Cash dividends to net income (ytd only)* | 10.7550% | 2,814 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1528% | 2,782 |
| Loan loss allowance to noncurrent loans | 139.7275% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 1,233 |
| Noncurrent loans to loans | 0.8250% | 961 |
| Net loans and leases to total assets | 52.7100% | 3,216 |
| Net loans and leases to deposits | 60.2579% | 3,178 |
| Net loans and leases to core deposits | 61.9212% | 3,245 |
| Total domestic deposits to total assets | 87.4700% | 2,606 |
| Equity capital to assets | 6.5326% | 3,724 |
| Core capital (leverage) ratio | 10.0422% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $615,930,500 | 1,450 |
| Average earning assets | $579,204,000 | 1,436 |
| Average equity | $49,521,750 | 1,657 |
| Average total loans | $303,407,250 | 1,698 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9273% | 3,726 |
| Cost of funding earning assets | 0.3292% | 1,446 |
| Net interest margin | 2.5981% | 3,916 |
| Noninterest income to average assets | 0.3991% | 2,764 |
| Noninterest expense to average assets | 1.8614% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7803% | 3,029 |
| Return on assets (ROA) | 0.7803% | 2,993 |
| Pretax return on assets | 0.9899% | 2,771 |
| Return on Equity (ROE) | 9.1319% | 2,658 |
| Retained earnings to average equity (ytd only) | 7.5878% | 1,774 |
| Net charge-offs to loans | -0.0115% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2838% | 2,609 |
| Assets per employee ($millions) | 6.6825% | 2,181 |
| Cash dividends to net income (ytd only)* | 16.9096% | 2,583 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2174% | 2,608 |
| Loan loss allowance to noncurrent loans | 137.9097% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 1,286 |
| Noncurrent loans to loans | 0.8827% | 958 |
| Net loans and leases to total assets | 49.4457% | 3,427 |
| Net loans and leases to deposits | 55.1481% | 3,453 |
| Net loans and leases to core deposits | 56.6443% | 3,514 |
| Total domestic deposits to total assets | 89.6598% | 1,864 |
| Equity capital to assets | 6.7791% | 3,893 |
| Core capital (leverage) ratio | 9.9290% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $615,438,000 | 1,463 |
| Average earning assets | $580,875,333 | 1,446 |
| Average equity | $52,584,667 | 1,616 |
| Average total loans | $294,806,667 | 1,730 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8960% | 3,550 |
| Cost of funding earning assets | 0.3336% | 1,333 |
| Net interest margin | 2.5624% | 3,747 |
| Noninterest income to average assets | 0.3919% | 2,746 |
| Noninterest expense to average assets | 1.8203% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7890% | 2,700 |
| Return on assets (ROA) | 0.7890% | 2,697 |
| Pretax return on assets | 1.0000% | 2,440 |
| Return on Equity (ROE) | 8.3581% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.3581% | 1,468 |
| Net charge-offs to loans | -0.0140% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5438% | 2,961 |
| Assets per employee ($millions) | 6.7397% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3093% | 2,313 |
| Loan loss allowance to noncurrent loans | 131.9372% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 1,304 |
| Noncurrent loans to loans | 0.9924% | 914 |
| Net loans and leases to total assets | 46.4553% | 3,539 |
| Net loans and leases to deposits | 54.3876% | 3,387 |
| Net loans and leases to core deposits | 55.9580% | 3,449 |
| Total domestic deposits to total assets | 85.4152% | 3,430 |
| Equity capital to assets | 8.6370% | 3,033 |
| Core capital (leverage) ratio | 9.8253% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $612,423,000 | 1,473 |
| Average earning assets | $580,388,500 | 1,450 |
| Average equity | $57,812,000 | 1,529 |
| Average total loans | $286,672,000 | 1,755 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2026% | 3,467 |
| Cost of funding earning assets | 0.4680% | 1,073 |
| Net interest margin | 2.7345% | 3,806 |
| Noninterest income to average assets | 0.4296% | 2,905 |
| Noninterest expense to average assets | 1.9467% | 3,824 |
| Loan and lease loss provision to assets | 0.0256% | 2,546 |
| Net operating income to assets | 0.8237% | 3,260 |
| Return on assets (ROA) | 0.8511% | 3,252 |
| Pretax return on assets | 1.0875% | 3,014 |
| Return on Equity (ROE) | 7.9304% | 3,237 |
| Retained earnings to average equity (ytd only) | 6.7554% | 2,018 |
| Net charge-offs to loans | -0.0017% | 3,342 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3491% | 2,505 |
| Assets per employee ($millions) | 6.8711% | 2,018 |
| Cash dividends to net income (ytd only)* | 14.8163% | 3,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3245% | 2,249 |
| Loan loss allowance to noncurrent loans | 132.9337% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 1,422 |
| Noncurrent loans to loans | 0.9963% | 992 |
| Net loans and leases to total assets | 45.9301% | 3,699 |
| Net loans and leases to deposits | 54.2579% | 3,579 |
| Net loans and leases to core deposits | 55.7584% | 3,635 |
| Total domestic deposits to total assets | 84.6514% | 3,378 |
| Equity capital to assets | 10.2451% | 2,424 |
| Core capital (leverage) ratio | 9.5614% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $585,261,200 | 1,485 |
| Average earning assets | $555,524,600 | 1,464 |
| Average equity | $62,808,800 | 1,458 |
| Average total loans | $288,383,200 | 1,748 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2694% | 3,463 |
| Cost of funding earning assets | 0.4987% | 1,050 |
| Net interest margin | 2.7707% | 3,841 |
| Noninterest income to average assets | 0.4184% | 2,992 |
| Noninterest expense to average assets | 1.9038% | 3,937 |
| Loan and lease loss provision to assets | 0.0346% | 2,308 |
| Net operating income to assets | 0.8621% | 3,346 |
| Return on assets (ROA) | 0.8990% | 3,326 |
| Pretax return on assets | 1.1561% | 3,057 |
| Return on Equity (ROE) | 8.2780% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.4951% | 2,225 |
| Net charge-offs to loans | 0.0032% | 2,230 |
| Credit loss provision to net charge-offs | 2,142.8571% | 312 |
| Earnings coverage of net charge-offs (x) | 709.2857% | 221 |
| Efficiency ratio | 62.4660% | 2,618 |
| Assets per employee ($millions) | 6.7933% | 2,021 |
| Cash dividends to net income (ytd only)* | 9.4567% | 2,986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3280% | 2,353 |
| Loan loss allowance to noncurrent loans | 128.8211% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 1,580 |
| Noncurrent loans to loans | 1.0309% | 1,105 |
| Net loans and leases to total assets | 46.1951% | 3,778 |
| Net loans and leases to deposits | 54.8709% | 3,667 |
| Net loans and leases to core deposits | 56.5947% | 3,727 |
| Total domestic deposits to total assets | 84.1886% | 3,408 |
| Equity capital to assets | 10.6328% | 2,334 |
| Core capital (leverage) ratio | 9.6457% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $578,694,250 | 1,511 |
| Average earning assets | $549,160,500 | 1,496 |
| Average equity | $62,848,000 | 1,478 |
| Average total loans | $289,317,500 | 1,775 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2465% | 3,573 |
| Cost of funding earning assets | 0.5266% | 1,054 |
| Net interest margin | 2.7199% | 3,942 |
| Noninterest income to average assets | 0.4161% | 3,028 |
| Noninterest expense to average assets | 1.9184% | 3,920 |
| Loan and lease loss provision to assets | 0.0175% | 2,608 |
| Net operating income to assets | 0.8240% | 3,441 |
| Return on assets (ROA) | 0.8803% | 3,351 |
| Pretax return on assets | 1.1301% | 3,113 |
| Return on Equity (ROE) | 8.0457% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.8625% | 2,483 |
| Net charge-offs to loans | -0.0144% | 3,834 |
| Credit loss provision to net charge-offs | -238.0952% | 3,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0581% | 2,422 |
| Assets per employee ($millions) | 6.4762% | 2,183 |
| Cash dividends to net income (ytd only)* | 14.7071% | 2,714 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2784% | 2,543 |
| Loan loss allowance to noncurrent loans | 120.3395% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 1,629 |
| Noncurrent loans to loans | 1.0623% | 1,148 |
| Net loans and leases to total assets | 47.7754% | 3,749 |
| Net loans and leases to deposits | 56.7802% | 3,655 |
| Net loans and leases to core deposits | 58.7270% | 3,708 |
| Total domestic deposits to total assets | 84.1410% | 3,381 |
| Equity capital to assets | 10.5332% | 2,366 |
| Core capital (leverage) ratio | 9.7689% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $570,056,333 | 1,526 |
| Average earning assets | $540,463,667 | 1,506 |
| Average equity | $62,368,333 | 1,475 |
| Average total loans | $291,404,000 | 1,777 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2784% | 3,506 |
| Cost of funding earning assets | 0.5602% | 1,050 |
| Net interest margin | 2.7182% | 3,922 |
| Noninterest income to average assets | 0.4128% | 3,026 |
| Noninterest expense to average assets | 1.9225% | 3,932 |
| Loan and lease loss provision to assets | 0.0179% | 2,546 |
| Net operating income to assets | 0.8117% | 3,384 |
| Return on assets (ROA) | 0.9268% | 3,130 |
| Pretax return on assets | 1.1924% | 2,864 |
| Return on Equity (ROE) | 8.3058% | 3,242 |
| Retained earnings to average equity (ytd only) | 8.3058% | 2,152 |
| Net charge-offs to loans | -0.0137% | 3,811 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3595% | 2,426 |
| Assets per employee ($millions) | 6.2690% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2411% | 2,712 |
| Loan loss allowance to noncurrent loans | 104.4648% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 1,558 |
| Noncurrent loans to loans | 1.1880% | 1,111 |
| Net loans and leases to total assets | 50.9126% | 3,548 |
| Net loans and leases to deposits | 61.3127% | 3,385 |
| Net loans and leases to core deposits | 63.7906% | 3,435 |
| Total domestic deposits to total assets | 83.0377% | 3,678 |
| Equity capital to assets | 10.8129% | 1,999 |
| Core capital (leverage) ratio | 9.9092% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $557,178,000 | 1,544 |
| Average earning assets | $527,698,000 | 1,520 |
| Average equity | $62,173,500 | 1,472 |
| Average total loans | $292,937,000 | 1,778 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6403% | 3,719 |
| Cost of funding earning assets | 0.7107% | 1,671 |
| Net interest margin | 2.9296% | 4,056 |
| Noninterest income to average assets | 0.4272% | 2,981 |
| Noninterest expense to average assets | 2.0212% | 4,099 |
| Loan and lease loss provision to assets | 0.1151% | 2,912 |
| Net operating income to assets | 0.8142% | 3,035 |
| Return on assets (ROA) | 0.8722% | 2,956 |
| Pretax return on assets | 1.1102% | 2,654 |
| Return on Equity (ROE) | 7.3670% | 3,043 |
| Retained earnings to average equity (ytd only) | 1.5642% | 4,008 |
| Net charge-offs to loans | -0.0123% | 4,312 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6990% | 2,867 |
| Assets per employee ($millions) | 6.1109% | 2,246 |
| Cash dividends to net income (ytd only)* | 78.7679% | 676 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2390% | 2,754 |
| Loan loss allowance to noncurrent loans | 99.0140% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 1,558 |
| Noncurrent loans to loans | 1.2513% | 1,097 |
| Net loans and leases to total assets | 52.9831% | 3,581 |
| Net loans and leases to deposits | 64.7402% | 3,384 |
| Net loans and leases to core deposits | 67.2500% | 3,461 |
| Total domestic deposits to total assets | 81.8397% | 3,697 |
| Equity capital to assets | 11.5213% | 1,867 |
| Core capital (leverage) ratio | 9.9090% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $521,072,800 | 1,487 |
| Average earning assets | $488,394,200 | 1,481 |
| Average equity | $61,694,400 | 1,418 |
| Average total loans | $291,602,400 | 1,716 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6417% | 3,926 |
| Cost of funding earning assets | 0.7346% | 1,834 |
| Net interest margin | 2.9070% | 4,171 |
| Noninterest income to average assets | 0.4235% | 2,966 |
| Noninterest expense to average assets | 2.0371% | 4,075 |
| Loan and lease loss provision to assets | 0.1294% | 2,727 |
| Net operating income to assets | 0.7749% | 3,183 |
| Return on assets (ROA) | 0.8532% | 3,023 |
| Pretax return on assets | 1.0741% | 2,834 |
| Return on Equity (ROE) | 7.1555% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.1748% | 2,030 |
| Net charge-offs to loans | -0.0119% | 4,267 |
| Credit loss provision to net charge-offs | -1,923.0769% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8439% | 2,621 |
| Assets per employee ($millions) | 6.4339% | 1,885 |
| Cash dividends to net income (ytd only)* | 13.7053% | 3,027 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1657% | 2,863 |
| Loan loss allowance to noncurrent loans | 100.0857% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 1,896 |
| Noncurrent loans to loans | 1.1647% | 1,300 |
| Net loans and leases to total assets | 51.8994% | 3,973 |
| Net loans and leases to deposits | 63.4512% | 3,832 |
| Net loans and leases to core deposits | 65.9841% | 3,890 |
| Total domestic deposits to total assets | 81.7943% | 3,472 |
| Equity capital to assets | 11.2567% | 2,185 |
| Core capital (leverage) ratio | 10.3254% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $515,372,750 | 1,484 |
| Average earning assets | $481,855,500 | 1,474 |
| Average equity | $61,452,750 | 1,408 |
| Average total loans | $291,559,000 | 1,716 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7748% | 3,933 |
| Cost of funding earning assets | 0.7742% | 1,968 |
| Net interest margin | 3.0006% | 4,122 |
| Noninterest income to average assets | 0.4288% | 2,918 |
| Noninterest expense to average assets | 2.1036% | 4,023 |
| Loan and lease loss provision to assets | 0.1511% | 2,493 |
| Net operating income to assets | 0.7663% | 3,171 |
| Return on assets (ROA) | 0.8882% | 2,856 |
| Pretax return on assets | 1.1195% | 2,654 |
| Return on Equity (ROE) | 7.2919% | 3,013 |
| Retained earnings to average equity (ytd only) | 5.7964% | 2,158 |
| Net charge-offs to loans | -0.0118% | 4,247 |
| Credit loss provision to net charge-offs | -2,205.8824% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3317% | 2,614 |
| Assets per employee ($millions) | 6.0385% | 2,153 |
| Cash dividends to net income (ytd only)* | 20.5082% | 2,715 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1061% | 3,019 |
| Loan loss allowance to noncurrent loans | 140.9281% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 1,901 |
| Noncurrent loans to loans | 0.7849% | 1,930 |
| Net loans and leases to total assets | 55.4580% | 3,735 |
| Net loans and leases to deposits | 68.7050% | 3,508 |
| Net loans and leases to core deposits | 71.8173% | 3,601 |
| Total domestic deposits to total assets | 80.7190% | 3,679 |
| Equity capital to assets | 11.6087% | 1,904 |
| Core capital (leverage) ratio | 10.6030% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $496,291,333 | 1,507 |
| Average earning assets | $461,635,667 | 1,508 |
| Average equity | $60,451,000 | 1,421 |
| Average total loans | $288,515,333 | 1,713 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9107% | 4,013 |
| Cost of funding earning assets | 0.8139% | 2,301 |
| Net interest margin | 3.0969% | 4,103 |
| Noninterest income to average assets | 0.4273% | 2,924 |
| Noninterest expense to average assets | 2.2162% | 3,971 |
| Loan and lease loss provision to assets | 0.2115% | 1,447 |
| Net operating income to assets | 0.6961% | 3,286 |
| Return on assets (ROA) | 0.9274% | 2,536 |
| Pretax return on assets | 1.1677% | 2,310 |
| Return on Equity (ROE) | 7.4139% | 2,776 |
| Retained earnings to average equity (ytd only) | 7.4139% | 1,407 |
| Net charge-offs to loans | -0.0128% | 4,165 |
| Credit loss provision to net charge-offs | -2,777.7778% | 3,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1022% | 2,805 |
| Assets per employee ($millions) | 5.0547% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1286% | 3,056 |
| Loan loss allowance to noncurrent loans | 162.3872% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 2,062 |
| Noncurrent loans to loans | 0.6950% | 2,255 |
| Net loans and leases to total assets | 59.7016% | 3,531 |
| Net loans and leases to deposits | 74.8748% | 3,180 |
| Net loans and leases to core deposits | 78.4129% | 3,322 |
| Total domestic deposits to total assets | 79.7352% | 3,901 |
| Equity capital to assets | 12.4309% | 1,778 |
| Core capital (leverage) ratio | 11.5942% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $472,706,000 | 1,528 |
| Average earning assets | $438,895,500 | 1,525 |
| Average equity | $59,132,000 | 1,433 |
| Average total loans | $280,391,000 | 1,713 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0009% | 4,255 |
| Cost of funding earning assets | 0.7868% | 2,741 |
| Net interest margin | 3.2141% | 4,156 |
| Noninterest income to average assets | 0.4452% | 3,032 |
| Noninterest expense to average assets | 2.1253% | 4,317 |
| Loan and lease loss provision to assets | 0.0829% | 2,351 |
| Net operating income to assets | 0.9647% | 2,971 |
| Return on assets (ROA) | 0.9683% | 3,045 |
| Pretax return on assets | 1.2261% | 2,744 |
| Return on Equity (ROE) | 7.9713% | 3,173 |
| Retained earnings to average equity (ytd only) | 6.7378% | 1,509 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9657% | 3,389 |
| Assets per employee ($millions) | 5.0028% | 2,595 |
| Cash dividends to net income (ytd only)* | 15.4735% | 3,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0877% | 3,017 |
| Loan loss allowance to noncurrent loans | 147.6214% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 1,929 |
| Noncurrent loans to loans | 0.7368% | 2,039 |
| Net loans and leases to total assets | 57.6047% | 3,800 |
| Net loans and leases to deposits | 70.5721% | 3,620 |
| Net loans and leases to core deposits | 74.1216% | 3,711 |
| Total domestic deposits to total assets | 81.6253% | 3,610 |
| Equity capital to assets | 12.5884% | 1,775 |
| Core capital (leverage) ratio | 11.2310% | 2,309 |
| Tier 1 risk-based capital ratio | 18.3052% | 1,689 |
| Total risk-based capital ratio | 19.3355% | 1,697 |
| Memoranda: |
| Average total assets | $464,547,600 | 1,510 |
| Average earning assets | $431,379,600 | 1,498 |
| Average equity | $56,427,600 | 1,436 |
| Average total loans | $278,869,600 | 1,691 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0219% | 4,317 |
| Cost of funding earning assets | 0.7737% | 2,848 |
| Net interest margin | 3.2481% | 4,189 |
| Noninterest income to average assets | 0.4379% | 3,088 |
| Noninterest expense to average assets | 2.0844% | 4,389 |
| Loan and lease loss provision to assets | 0.0677% | 2,532 |
| Net operating income to assets | 1.0236% | 2,893 |
| Return on assets (ROA) | 1.0284% | 2,945 |
| Pretax return on assets | 1.3050% | 2,653 |
| Return on Equity (ROE) | 8.5450% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.7125% | 1,534 |
| Net charge-offs to loans | -0.0029% | 4,095 |
| Credit loss provision to net charge-offs | -3,916.6667% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3988% | 3,562 |
| Assets per employee ($millions) | 5.4285% | 2,099 |
| Cash dividends to net income (ytd only)* | 9.7425% | 3,365 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0269% | 3,412 |
| Loan loss allowance to noncurrent loans | 160.3507% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 2,199 |
| Noncurrent loans to loans | 0.6404% | 2,370 |
| Net loans and leases to total assets | 57.2007% | 3,951 |
| Net loans and leases to deposits | 69.5071% | 3,799 |
| Net loans and leases to core deposits | 73.0450% | 3,885 |
| Total domestic deposits to total assets | 82.2948% | 3,388 |
| Equity capital to assets | 12.2768% | 2,057 |
| Core capital (leverage) ratio | 11.1488% | 2,514 |
| Tier 1 risk-based capital ratio | 18.0742% | 1,792 |
| Total risk-based capital ratio | 19.0532% | 1,820 |
| Memoranda: |
| Average total assets | $463,117,750 | 1,520 |
| Average earning assets | $429,609,000 | 1,520 |
| Average equity | $55,734,750 | 1,448 |
| Average total loans | $280,118,250 | 1,704 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0308% | 4,315 |
| Cost of funding earning assets | 0.7560% | 2,869 |
| Net interest margin | 3.2747% | 4,191 |
| Noninterest income to average assets | 0.4343% | 3,040 |
| Noninterest expense to average assets | 2.0862% | 4,439 |
| Loan and lease loss provision to assets | 0.0698% | 2,422 |
| Net operating income to assets | 1.0392% | 2,770 |
| Return on assets (ROA) | 1.0392% | 2,841 |
| Pretax return on assets | 1.3180% | 2,488 |
| Return on Equity (ROE) | 8.6955% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.4246% | 1,635 |
| Net charge-offs to loans | 0.0057% | 2,947 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 397.5000% | 198 |
| Efficiency ratio | 60.0503% | 3,723 |
| Assets per employee ($millions) | 5.1532% | 2,299 |
| Cash dividends to net income (ytd only)* | 14.6157% | 3,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9748% | 3,759 |
| Loan loss allowance to noncurrent loans | 159.5584% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 2,214 |
| Noncurrent loans to loans | 0.6109% | 2,432 |
| Net loans and leases to total assets | 59.4850% | 3,782 |
| Net loans and leases to deposits | 72.0743% | 3,685 |
| Net loans and leases to core deposits | 76.0205% | 3,727 |
| Total domestic deposits to total assets | 82.5329% | 3,363 |
| Equity capital to assets | 12.1863% | 2,056 |
| Core capital (leverage) ratio | 11.1672% | 2,443 |
| Tier 1 risk-based capital ratio | 17.3502% | 1,985 |
| Total risk-based capital ratio | 18.2817% | 2,025 |
| Memoranda: |
| Average total assets | $458,255,000 | 1,535 |
| Average earning assets | $425,378,330 | 1,537 |
| Average equity | $54,764,000 | 1,462 |
| Average total loans | $281,462,330 | 1,705 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0236% | 4,322 |
| Cost of funding earning assets | 0.7227% | 2,929 |
| Net interest margin | 3.3009% | 4,158 |
| Noninterest income to average assets | 0.4098% | 3,116 |
| Noninterest expense to average assets | 2.0834% | 4,486 |
| Loan and lease loss provision to assets | 0.0221% | 3,152 |
| Net operating income to assets | 1.0828% | 2,535 |
| Return on assets (ROA) | 1.0828% | 2,578 |
| Pretax return on assets | 1.3698% | 2,195 |
| Return on Equity (ROE) | 9.1540% | 2,736 |
| Retained earnings to average equity (ytd only) | 9.1540% | 1,261 |
| Net charge-offs to loans | -0.0071% | 4,113 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9492% | 3,810 |
| Assets per employee ($millions) | 5.1522% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9269% | 4,046 |
| Loan loss allowance to noncurrent loans | 157.8821% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 2,238 |
| Noncurrent loans to loans | 0.5871% | 2,573 |
| Net loans and leases to total assets | 61.8619% | 3,519 |
| Net loans and leases to deposits | 75.7923% | 3,279 |
| Net loans and leases to core deposits | 79.7954% | 3,390 |
| Total domestic deposits to total assets | 81.6203% | 3,825 |
| Equity capital to assets | 12.0218% | 2,006 |
| Core capital (leverage) ratio | 11.2964% | 2,295 |
| Tier 1 risk-based capital ratio | 17.2431% | 2,039 |
| Total risk-based capital ratio | 18.1418% | 2,088 |
| Memoranda: |
| Average total assets | $452,910,000 | 1,567 |
| Average earning assets | $420,618,500 | 1,556 |
| Average equity | $53,572,500 | 1,482 |
| Average total loans | $281,344,500 | 1,714 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8566% | 4,375 |
| Cost of funding earning assets | 0.6334% | 2,500 |
| Net interest margin | 3.2232% | 4,438 |
| Noninterest income to average assets | 0.4223% | 3,295 |
| Noninterest expense to average assets | 2.1037% | 4,557 |
| Loan and lease loss provision to assets | 0.1336% | 1,628 |
| Net operating income to assets | 0.9452% | 3,258 |
| Return on assets (ROA) | 0.9498% | 3,230 |
| Pretax return on assets | 1.1839% | 2,943 |
| Return on Equity (ROE) | 8.3767% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.0887% | 1,635 |
| Net charge-offs to loans | 0.1977% | 969 |
| Credit loss provision to net charge-offs | 112.5468% | 2,299 |
| Earnings coverage of net charge-offs (x) | 11.0506% | 2,661 |
| Efficiency ratio | 61.5945% | 3,605 |
| Assets per employee ($millions) | 5.1412% | 2,335 |
| Cash dividends to net income (ytd only)* | 15.3756% | 3,655 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9278% | 4,055 |
| Loan loss allowance to noncurrent loans | 156.5480% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 2,177 |
| Noncurrent loans to loans | 0.5927% | 2,509 |
| Net loans and leases to total assets | 61.2239% | 3,645 |
| Net loans and leases to deposits | 75.2294% | 3,411 |
| Net loans and leases to core deposits | 78.7537% | 3,521 |
| Total domestic deposits to total assets | 81.3829% | 3,812 |
| Equity capital to assets | 11.6348% | 2,153 |
| Core capital (leverage) ratio | 10.9606% | 2,562 |
| Tier 1 risk-based capital ratio | 16.9744% | 2,077 |
| Total risk-based capital ratio | 17.8705% | 2,145 |
| Memoranda: |
| Average total assets | $449,866,400 | 1,536 |
| Average earning assets | $417,747,400 | 1,532 |
| Average equity | $51,010,800 | 1,489 |
| Average total loans | $270,150,000 | 1,727 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8057% | 4,426 |
| Cost of funding earning assets | 0.6142% | 2,378 |
| Net interest margin | 3.1915% | 4,530 |
| Noninterest income to average assets | 0.4215% | 3,342 |
| Noninterest expense to average assets | 2.0948% | 4,567 |
| Loan and lease loss provision to assets | 0.1487% | 1,337 |
| Net operating income to assets | 0.9100% | 3,483 |
| Return on assets (ROA) | 0.9162% | 3,459 |
| Pretax return on assets | 1.1468% | 3,206 |
| Return on Equity (ROE) | 8.1336% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.3194% | 1,962 |
| Net charge-offs to loans | 0.2748% | 609 |
| Credit loss provision to net charge-offs | 90.7609% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.8605% | 2,767 |
| Efficiency ratio | 61.9286% | 3,520 |
| Assets per employee ($millions) | 5.0598% | 2,398 |
| Cash dividends to net income (ytd only)* | 10.0097% | 3,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9074% | 4,235 |
| Loan loss allowance to noncurrent loans | 86.4525% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 2,283 |
| Noncurrent loans to loans | 1.0496% | 1,621 |
| Net loans and leases to total assets | 59.3745% | 3,912 |
| Net loans and leases to deposits | 71.4590% | 3,809 |
| Net loans and leases to core deposits | 74.5195% | 3,909 |
| Total domestic deposits to total assets | 83.0889% | 3,276 |
| Equity capital to assets | 11.2100% | 2,463 |
| Core capital (leverage) ratio | 10.5905% | 2,988 |
| Tier 1 risk-based capital ratio | 16.6011% | 2,246 |
| Total risk-based capital ratio | 17.4605% | 2,317 |
| Memoranda: |
| Average total assets | $449,226,000 | 1,547 |
| Average earning assets | $416,799,500 | 1,545 |
| Average equity | $50,603,750 | 1,504 |
| Average total loans | $267,790,500 | 1,746 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7710% | 4,414 |
| Cost of funding earning assets | 0.5849% | 2,330 |
| Net interest margin | 3.1861% | 4,540 |
| Noninterest income to average assets | 0.4186% | 3,366 |
| Noninterest expense to average assets | 2.0963% | 4,616 |
| Loan and lease loss provision to assets | 0.1870% | 949 |
| Net operating income to assets | 0.8864% | 3,516 |
| Return on assets (ROA) | 0.8958% | 3,478 |
| Pretax return on assets | 1.1070% | 3,292 |
| Return on Equity (ROE) | 7.9396% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.7148% | 2,202 |
| Net charge-offs to loans | 0.3991% | 391 |
| Credit loss provision to net charge-offs | 78.7194% | 2,270 |
| Earnings coverage of net charge-offs (x) | 5.3992% | 2,714 |
| Efficiency ratio | 62.0466% | 3,616 |
| Assets per employee ($millions) | 5.1585% | 2,237 |
| Cash dividends to net income (ytd only)* | 15.4269% | 3,146 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8894% | 4,387 |
| Loan loss allowance to noncurrent loans | 78.4276% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 2,224 |
| Noncurrent loans to loans | 1.1341% | 1,549 |
| Net loans and leases to total assets | 58.5905% | 3,940 |
| Net loans and leases to deposits | 70.2362% | 3,833 |
| Net loans and leases to core deposits | 73.4405% | 3,916 |
| Total domestic deposits to total assets | 83.4192% | 3,276 |
| Equity capital to assets | 10.9980% | 2,643 |
| Core capital (leverage) ratio | 10.5165% | 3,017 |
| Tier 1 risk-based capital ratio | 16.4172% | 2,284 |
| Total risk-based capital ratio | 17.2649% | 2,372 |
| Memoranda: |
| Average total assets | $447,174,330 | 1,563 |
| Average earning assets | $415,429,670 | 1,561 |
| Average equity | $50,455,670 | 1,506 |
| Average total loans | $266,102,000 | 1,755 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7593% | 4,329 |
| Cost of funding earning assets | 0.5597% | 2,320 |
| Net interest margin | 3.1996% | 4,458 |
| Noninterest income to average assets | 0.3853% | 3,564 |
| Noninterest expense to average assets | 2.1015% | 4,660 |
| Loan and lease loss provision to assets | 0.0743% | 2,279 |
| Net operating income to assets | 0.9646% | 3,009 |
| Return on assets (ROA) | 0.9646% | 3,033 |
| Pretax return on assets | 1.1895% | 2,801 |
| Return on Equity (ROE) | 8.4382% | 3,176 |
| Retained earnings to average equity (ytd only) | 8.4382% | 1,680 |
| Net charge-offs to loans | 0.1716% | 846 |
| Credit loss provision to net charge-offs | 72.5664% | 1,810 |
| Earnings coverage of net charge-offs (x) | 12.3363% | 1,808 |
| Efficiency ratio | 62.4461% | 3,709 |
| Assets per employee ($millions) | 4.9506% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9425% | 4,255 |
| Loan loss allowance to noncurrent loans | 77.3234% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 2,119 |
| Noncurrent loans to loans | 1.2188% | 1,487 |
| Net loans and leases to total assets | 59.5420% | 3,793 |
| Net loans and leases to deposits | 71.8286% | 3,626 |
| Net loans and leases to core deposits | 74.8355% | 3,755 |
| Total domestic deposits to total assets | 82.8946% | 3,703 |
| Equity capital to assets | 11.4073% | 2,208 |
| Core capital (leverage) ratio | 10.6180% | 2,829 |
| Tier 1 risk-based capital ratio | 16.4486% | 2,291 |
| Total risk-based capital ratio | 17.3389% | 2,383 |
| Memoranda: |
| Average total assets | $441,206,500 | 1,591 |
| Average earning assets | $410,925,000 | 1,579 |
| Average equity | $50,437,000 | 1,517 |
| Average total loans | $263,448,500 | 1,779 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7976% | 4,053 |
| Cost of funding earning assets | 0.5748% | 1,780 |
| Net interest margin | 3.2229% | 4,381 |
| Noninterest income to average assets | 0.3872% | 3,719 |
| Noninterest expense to average assets | 2.0941% | 4,777 |
| Loan and lease loss provision to assets | 0.0237% | 3,822 |
| Net operating income to assets | 0.9326% | 2,535 |
| Return on assets (ROA) | 0.9418% | 2,519 |
| Pretax return on assets | 1.2733% | 2,455 |
| Return on Equity (ROE) | 8.3821% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.1269% | 1,032 |
| Net charge-offs to loans | -0.0059% | 4,670 |
| Credit loss provision to net charge-offs | -693.3333% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7343% | 3,979 |
| Assets per employee ($millions) | 4.7001% | 2,866 |
| Cash dividends to net income (ytd only)* | 14.9746% | 3,809 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9643% | 4,139 |
| Loan loss allowance to noncurrent loans | 139.2287% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 3,216 |
| Noncurrent loans to loans | 0.6926% | 2,481 |
| Net loans and leases to total assets | 58.7424% | 3,945 |
| Net loans and leases to deposits | 70.4261% | 3,839 |
| Net loans and leases to core deposits | 73.4746% | 3,923 |
| Total domestic deposits to total assets | 83.4101% | 3,422 |
| Equity capital to assets | 11.4558% | 2,231 |
| Core capital (leverage) ratio | 10.3461% | 3,021 |
| Tier 1 risk-based capital ratio | 16.4750% | 2,275 |
| Total risk-based capital ratio | 17.3987% | 2,321 |
| Memoranda: |
| Average total assets | $438,225,400 | 1,582 |
| Average earning assets | $406,780,600 | 1,575 |
| Average equity | $49,236,000 | 1,536 |
| Average total loans | $252,300,800 | 1,800 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7481% | 4,188 |
| Cost of funding earning assets | 0.5766% | 1,699 |
| Net interest margin | 3.1715% | 4,527 |
| Noninterest income to average assets | 0.3863% | 3,777 |
| Noninterest expense to average assets | 2.0969% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9254% | 2,899 |
| Return on assets (ROA) | 0.9378% | 2,903 |
| Pretax return on assets | 1.2488% | 2,716 |
| Return on Equity (ROE) | 8.3884% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.5457% | 1,411 |
| Net charge-offs to loans | 0.0032% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 673.6500% | 151 |
| Efficiency ratio | 62.6557% | 3,782 |
| Assets per employee ($millions) | 4.8639% | 2,615 |
| Cash dividends to net income (ytd only)* | 10.0455% | 3,472 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9432% | 4,355 |
| Loan loss allowance to noncurrent loans | 106.9457% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 3,041 |
| Noncurrent loans to loans | 0.8820% | 2,167 |
| Net loans and leases to total assets | 56.9915% | 4,155 |
| Net loans and leases to deposits | 68.1613% | 4,103 |
| Net loans and leases to core deposits | 71.1002% | 4,181 |
| Total domestic deposits to total assets | 83.6128% | 3,255 |
| Equity capital to assets | 11.4407% | 2,430 |
| Core capital (leverage) ratio | 10.2309% | 3,279 |
| Tier 1 risk-based capital ratio | 16.3509% | 2,363 |
| Total risk-based capital ratio | 17.2364% | 2,450 |
| Memoranda: |
| Average total assets | $437,329,250 | 1,596 |
| Average earning assets | $405,816,750 | 1,587 |
| Average equity | $48,891,750 | 1,561 |
| Average total loans | $249,861,750 | 1,827 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7365% | 4,114 |
| Cost of funding earning assets | 0.5766% | 1,602 |
| Net interest margin | 3.1599% | 4,519 |
| Noninterest income to average assets | 0.3825% | 3,809 |
| Noninterest expense to average assets | 2.1517% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8912% | 2,957 |
| Return on assets (ROA) | 0.9101% | 2,913 |
| Pretax return on assets | 1.1897% | 2,805 |
| Return on Equity (ROE) | 8.2054% | 2,911 |
| Retained earnings to average equity (ytd only) | 6.9261% | 1,631 |
| Net charge-offs to loans | 0.0073% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 281.8889% | 304 |
| Efficiency ratio | 64.3777% | 3,612 |
| Assets per employee ($millions) | 4.7142% | 2,769 |
| Cash dividends to net income (ytd only)* | 15.5903% | 3,251 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9424% | 4,452 |
| Loan loss allowance to noncurrent loans | 114.7298% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,191 |
| Noncurrent loans to loans | 0.8214% | 2,348 |
| Net loans and leases to total assets | 56.9018% | 4,136 |
| Net loans and leases to deposits | 67.5981% | 4,103 |
| Net loans and leases to core deposits | 70.9874% | 4,166 |
| Total domestic deposits to total assets | 84.1767% | 3,131 |
| Equity capital to assets | 11.2029% | 2,588 |
| Core capital (leverage) ratio | 9.9819% | 3,559 |
| Tier 1 risk-based capital ratio | 16.2343% | 2,416 |
| Total risk-based capital ratio | 17.1345% | 2,489 |
| Memoranda: |
| Average total assets | $435,568,000 | 1,606 |
| Average earning assets | $404,437,670 | 1,599 |
| Average equity | $48,309,670 | 1,580 |
| Average total loans | $248,264,330 | 1,837 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7201% | 4,053 |
| Cost of funding earning assets | 0.5647% | 1,622 |
| Net interest margin | 3.1554% | 4,483 |
| Noninterest income to average assets | 0.3548% | 3,997 |
| Noninterest expense to average assets | 2.1872% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8575% | 2,958 |
| Return on assets (ROA) | 0.8893% | 2,863 |
| Pretax return on assets | 1.1432% | 2,802 |
| Return on Equity (ROE) | 8.0600% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.0600% | 1,435 |
| Net charge-offs to loans | 0.0065% | 2,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 297.5000% | 200 |
| Efficiency ratio | 65.6153% | 3,555 |
| Assets per employee ($millions) | 4.5330% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9645% | 4,472 |
| Loan loss allowance to noncurrent loans | 110.4779% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 3,184 |
| Noncurrent loans to loans | 0.8730% | 2,286 |
| Net loans and leases to total assets | 57.3229% | 4,035 |
| Net loans and leases to deposits | 67.9850% | 3,989 |
| Net loans and leases to core deposits | 71.3944% | 4,039 |
| Total domestic deposits to total assets | 84.3171% | 3,355 |
| Equity capital to assets | 11.1626% | 2,465 |
| Core capital (leverage) ratio | 10.0004% | 3,495 |
| Tier 1 risk-based capital ratio | 15.1233% | 2,913 |
| Total risk-based capital ratio | 15.9778% | 3,028 |
| Memoranda: |
| Average total assets | $431,783,500 | 1,631 |
| Average earning assets | $401,597,500 | 1,618 |
| Average equity | $47,642,500 | 1,598 |
| Average total loans | $245,120,500 | 1,864 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7124% | 4,175 |
| Cost of funding earning assets | 0.5648% | 1,571 |
| Net interest margin | 3.1476% | 4,597 |
| Noninterest income to average assets | 0.3865% | 3,986 |
| Noninterest expense to average assets | 2.1372% | 4,920 |
| Loan and lease loss provision to assets | 0.0049% | 4,258 |
| Net operating income to assets | 0.8874% | 2,892 |
| Return on assets (ROA) | 0.9009% | 2,935 |
| Pretax return on assets | 1.1663% | 2,824 |
| Return on Equity (ROE) | 8.1561% | 2,857 |
| Retained earnings to average equity (ytd only) | 6.8911% | 1,274 |
| Net charge-offs to loans | -0.0342% | 5,291 |
| Credit loss provision to net charge-offs | -26.2500% | 4,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0700% | 3,928 |
| Assets per employee ($millions) | 4.5097% | 3,097 |
| Cash dividends to net income (ytd only)* | 15.5101% | 3,873 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9992% | 4,338 |
| Loan loss allowance to noncurrent loans | 116.1602% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 3,331 |
| Noncurrent loans to loans | 0.8602% | 2,380 |
| Net loans and leases to total assets | 55.1071% | 4,338 |
| Net loans and leases to deposits | 65.5604% | 4,284 |
| Net loans and leases to core deposits | 68.7409% | 4,343 |
| Total domestic deposits to total assets | 84.0555% | 3,404 |
| Equity capital to assets | 10.9058% | 2,707 |
| Core capital (leverage) ratio | 9.7115% | 3,840 |
| Tier 1 risk-based capital ratio | 15.0946% | 2,928 |
| Total risk-based capital ratio | 15.9691% | 3,037 |
| Memoranda: |
| Average total assets | $428,697,200 | 1,585 |
| Average earning assets | $395,567,000 | 1,593 |
| Average equity | $47,350,800 | 1,593 |
| Average total loans | $234,077,400 | 1,875 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7069% | 4,230 |
| Cost of funding earning assets | 0.5615% | 1,601 |
| Net interest margin | 3.1454% | 4,658 |
| Noninterest income to average assets | 0.3869% | 4,010 |
| Noninterest expense to average assets | 2.1257% | 4,953 |
| Loan and lease loss provision to assets | 0.0065% | 4,097 |
| Net operating income to assets | 0.8908% | 2,957 |
| Return on assets (ROA) | 0.9088% | 2,994 |
| Pretax return on assets | 1.1757% | 2,935 |
| Return on Equity (ROE) | 8.2022% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.3862% | 1,445 |
| Net charge-offs to loans | -0.0339% | 5,212 |
| Credit loss provision to net charge-offs | -35.5932% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8348% | 3,956 |
| Assets per employee ($millions) | 4.6259% | 2,878 |
| Cash dividends to net income (ytd only)* | 9.9486% | 3,546 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0232% | 4,277 |
| Loan loss allowance to noncurrent loans | 90.5195% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 3,075 |
| Noncurrent loans to loans | 1.1303% | 1,992 |
| Net loans and leases to total assets | 53.1026% | 4,568 |
| Net loans and leases to deposits | 62.4605% | 4,599 |
| Net loans and leases to core deposits | 65.4260% | 4,646 |
| Total domestic deposits to total assets | 85.0178% | 2,798 |
| Equity capital to assets | 11.2297% | 2,767 |
| Core capital (leverage) ratio | 9.6989% | 3,937 |
| Tier 1 risk-based capital ratio | 15.2281% | 2,939 |
| Total risk-based capital ratio | 16.1089% | 3,052 |
| Memoranda: |
| Average total assets | $427,638,250 | 1,588 |
| Average earning assets | $393,956,500 | 1,593 |
| Average equity | $47,384,750 | 1,602 |
| Average total loans | $232,350,500 | 1,893 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7098% | 4,268 |
| Cost of funding earning assets | 0.5542% | 1,667 |
| Net interest margin | 3.1556% | 4,676 |
| Noninterest income to average assets | 0.3763% | 4,056 |
| Noninterest expense to average assets | 2.1447% | 4,966 |
| Loan and lease loss provision to assets | 0.0099% | 3,898 |
| Net operating income to assets | 0.8790% | 2,971 |
| Return on assets (ROA) | 0.8889% | 3,044 |
| Pretax return on assets | 1.1429% | 3,021 |
| Return on Equity (ROE) | 8.0592% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.8226% | 1,706 |
| Net charge-offs to loans | -0.0345% | 5,198 |
| Credit loss provision to net charge-offs | -52.5000% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4044% | 3,946 |
| Assets per employee ($millions) | 4.6332% | 2,816 |
| Cash dividends to net income (ytd only)* | 15.3439% | 3,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9999% | 4,524 |
| Loan loss allowance to noncurrent loans | 87.4123% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 3,017 |
| Noncurrent loans to loans | 1.1439% | 2,010 |
| Net loans and leases to total assets | 53.8307% | 4,529 |
| Net loans and leases to deposits | 63.2388% | 4,548 |
| Net loans and leases to core deposits | 66.4396% | 4,573 |
| Total domestic deposits to total assets | 85.1229% | 2,814 |
| Equity capital to assets | 11.0286% | 3,031 |
| Core capital (leverage) ratio | 9.6344% | 4,017 |
| Tier 1 risk-based capital ratio | 14.8983% | 3,119 |
| Total risk-based capital ratio | 15.7751% | 3,235 |
| Memoranda: |
| Average total assets | $425,241,000 | 1,595 |
| Average earning assets | $391,932,000 | 1,601 |
| Average equity | $46,903,000 | 1,616 |
| Average total loans | $232,036,330 | 1,896 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7793% | 4,020 |
| Cost of funding earning assets | 0.5523% | 1,686 |
| Net interest margin | 3.2270% | 4,488 |
| Noninterest income to average assets | 0.3494% | 4,232 |
| Noninterest expense to average assets | 2.1880% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8853% | 2,829 |
| Return on assets (ROA) | 0.8912% | 2,926 |
| Pretax return on assets | 1.1397% | 2,935 |
| Return on Equity (ROE) | 8.0797% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.0797% | 1,420 |
| Net charge-offs to loans | -0.0314% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0129% | 3,972 |
| Assets per employee ($millions) | 4.3972% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0020% | 4,603 |
| Loan loss allowance to noncurrent loans | 67.0222% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 2,328 |
| Noncurrent loans to loans | 1.4950% | 1,571 |
| Net loans and leases to total assets | 54.9916% | 4,355 |
| Net loans and leases to deposits | 65.3340% | 4,313 |
| Net loans and leases to core deposits | 68.9424% | 4,327 |
| Total domestic deposits to total assets | 84.1699% | 3,454 |
| Equity capital to assets | 11.2492% | 2,679 |
| Core capital (leverage) ratio | 9.7055% | 3,904 |
| Tier 1 risk-based capital ratio | 14.8438% | 3,225 |
| Total risk-based capital ratio | 15.7162% | 3,350 |
| Memoranda: |
| Average total assets | $420,101,000 | 1,612 |
| Average earning assets | $386,734,000 | 1,618 |
| Average equity | $46,338,500 | 1,626 |
| Average total loans | $229,648,500 | 1,920 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8511% | 3,878 |
| Cost of funding earning assets | 0.5647% | 1,636 |
| Net interest margin | 3.2864% | 4,346 |
| Noninterest income to average assets | 0.1907% | 5,451 |
| Noninterest expense to average assets | 2.2836% | 4,838 |
| Loan and lease loss provision to assets | 0.0477% | 3,376 |
| Net operating income to assets | 0.7355% | 3,644 |
| Return on assets (ROA) | 0.7538% | 3,649 |
| Pretax return on assets | 0.9068% | 3,813 |
| Return on Equity (ROE) | 6.8575% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.4676% | 2,813 |
| Net charge-offs to loans | 0.1567% | 1,812 |
| Credit loss provision to net charge-offs | 55.5241% | 3,325 |
| Earnings coverage of net charge-offs (x) | 10.8584% | 2,651 |
| Efficiency ratio | 70.0779% | 3,210 |
| Assets per employee ($millions) | 4.6425% | 2,821 |
| Cash dividends to net income (ytd only)* | 34.8500% | 3,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0152% | 4,514 |
| Loan loss allowance to noncurrent loans | 95.0165% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 2,931 |
| Noncurrent loans to loans | 1.0684% | 2,206 |
| Net loans and leases to total assets | 53.2458% | 4,567 |
| Net loans and leases to deposits | 62.9154% | 4,551 |
| Net loans and leases to core deposits | 66.0861% | 4,585 |
| Total domestic deposits to total assets | 84.6308% | 3,242 |
| Equity capital to assets | 10.8139% | 3,011 |
| Core capital (leverage) ratio | 9.3102% | 4,460 |
| Tier 1 risk-based capital ratio | 14.7117% | 3,326 |
| Total risk-based capital ratio | 15.5903% | 3,439 |
| Memoranda: |
| Average total assets | $411,097,400 | 1,600 |
| Average earning assets | $378,437,800 | 1,612 |
| Average equity | $45,191,600 | 1,634 |
| Average total loans | $225,292,800 | 1,892 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8605% | 3,891 |
| Cost of funding earning assets | 0.5604% | 1,711 |
| Net interest margin | 3.3001% | 4,339 |
| Noninterest income to average assets | 0.1404% | 5,781 |
| Noninterest expense to average assets | 2.2639% | 4,877 |
| Loan and lease loss provision to assets | 0.0640% | 2,905 |
| Net operating income to assets | 0.7174% | 3,833 |
| Return on assets (ROA) | 0.7355% | 3,844 |
| Pretax return on assets | 0.8726% | 4,082 |
| Return on Equity (ROE) | 6.6623% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.8044% | 2,366 |
| Net charge-offs to loans | 0.2337% | 1,126 |
| Credit loss provision to net charge-offs | 49.7462% | 3,040 |
| Earnings coverage of net charge-offs (x) | 7.1117% | 2,953 |
| Efficiency ratio | 70.2692% | 3,167 |
| Assets per employee ($millions) | 4.5581% | 2,904 |
| Cash dividends to net income (ytd only)* | 12.8775% | 3,493 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9787% | 4,846 |
| Loan loss allowance to noncurrent loans | 90.0994% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 3,052 |
| Noncurrent loans to loans | 1.0862% | 2,313 |
| Net loans and leases to total assets | 54.6743% | 4,495 |
| Net loans and leases to deposits | 64.1075% | 4,550 |
| Net loans and leases to core deposits | 67.0670% | 4,619 |
| Total domestic deposits to total assets | 85.2853% | 2,891 |
| Equity capital to assets | 10.8957% | 3,131 |
| Core capital (leverage) ratio | 9.3213% | 4,556 |
| Tier 1 risk-based capital ratio | 14.5470% | 3,536 |
| Total risk-based capital ratio | 15.4037% | 3,692 |
| Memoranda: |
| Average total assets | $408,255,000 | 1,627 |
| Average earning assets | $375,896,750 | 1,630 |
| Average equity | $45,068,250 | 1,651 |
| Average total loans | $224,802,750 | 1,907 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8710% | 3,798 |
| Cost of funding earning assets | 0.5547% | 1,780 |
| Net interest margin | 3.3163% | 4,231 |
| Noninterest income to average assets | 0.4316% | 3,841 |
| Noninterest expense to average assets | 2.2776% | 4,901 |
| Loan and lease loss provision to assets | 0.0786% | 2,544 |
| Net operating income to assets | 0.8948% | 2,906 |
| Return on assets (ROA) | 0.8948% | 3,035 |
| Pretax return on assets | 1.1286% | 3,058 |
| Return on Equity (ROE) | 8.0694% | 3,012 |
| Retained earnings to average equity (ytd only) | 6.7765% | 1,801 |
| Net charge-offs to loans | 0.3595% | 726 |
| Credit loss provision to net charge-offs | 39.7500% | 2,822 |
| Earnings coverage of net charge-offs (x) | 6.1050% | 2,824 |
| Efficiency ratio | 64.4772% | 4,277 |
| Assets per employee ($millions) | 4.5180% | 2,954 |
| Cash dividends to net income (ytd only)* | 16.0221% | 3,310 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9885% | 4,924 |
| Loan loss allowance to noncurrent loans | 109.4535% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8064% | 2,968 |
| Noncurrent loans to loans | 0.9031% | 2,864 |
| Net loans and leases to total assets | 53.5690% | 4,606 |
| Net loans and leases to deposits | 62.6622% | 4,645 |
| Net loans and leases to core deposits | 65.5708% | 4,689 |
| Total domestic deposits to total assets | 85.4886% | 2,927 |
| Equity capital to assets | 10.8726% | 3,022 |
| Core capital (leverage) ratio | 9.5713% | 4,177 |
| Tier 1 risk-based capital ratio | 14.6953% | 3,532 |
| Total risk-based capital ratio | 15.5545% | 3,680 |
| Memoranda: |
| Average total assets | $404,557,000 | 1,651 |
| Average earning assets | $372,462,330 | 1,650 |
| Average equity | $44,860,670 | 1,662 |
| Average total loans | $222,556,330 | 1,927 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9107% | 3,555 |
| Cost of funding earning assets | 0.5489% | 1,855 |
| Net interest margin | 3.3618% | 3,981 |
| Noninterest income to average assets | 0.3338% | 4,518 |
| Noninterest expense to average assets | 2.3288% | 4,796 |
| Loan and lease loss provision to assets | 0.0782% | 2,390 |
| Net operating income to assets | 0.8391% | 3,065 |
| Return on assets (ROA) | 0.8391% | 3,191 |
| Pretax return on assets | 1.0336% | 3,366 |
| Return on Equity (ROE) | 7.4909% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.4909% | 1,768 |
| Net charge-offs to loans | 0.0289% | 2,605 |
| Credit loss provision to net charge-offs | 487.5000% | 567 |
| Earnings coverage of net charge-offs (x) | 69.3125% | 650 |
| Efficiency ratio | 66.7832% | 4,014 |
| Assets per employee ($millions) | 4.4022% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1427% | 4,300 |
| Loan loss allowance to noncurrent loans | 94.1834% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 3,260 |
| Noncurrent loans to loans | 1.2132% | 2,343 |
| Net loans and leases to total assets | 54.5515% | 4,365 |
| Net loans and leases to deposits | 64.0289% | 4,368 |
| Net loans and leases to core deposits | 67.0845% | 4,419 |
| Total domestic deposits to total assets | 85.1983% | 3,311 |
| Equity capital to assets | 11.2857% | 2,663 |
| Core capital (leverage) ratio | 9.6310% | 4,109 |
| Tier 1 risk-based capital ratio | 14.5932% | 3,669 |
| Total risk-based capital ratio | 15.5806% | 3,737 |
| Memoranda: |
| Average total assets | $399,006,500 | 1,678 |
| Average earning assets | $368,732,500 | 1,677 |
| Average equity | $44,694,500 | 1,675 |
| Average total loans | $221,391,000 | 1,933 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9311% | 4,012 |
| Cost of funding earning assets | 0.5953% | 1,799 |
| Net interest margin | 3.3358% | 4,453 |
| Noninterest income to average assets | 0.3206% | 4,827 |
| Noninterest expense to average assets | 2.0954% | 5,582 |
| Loan and lease loss provision to assets | 0.1420% | 1,871 |
| Net operating income to assets | 0.9072% | 2,837 |
| Return on assets (ROA) | 0.9250% | 2,845 |
| Pretax return on assets | 1.1920% | 2,684 |
| Return on Equity (ROE) | 8.9036% | 2,633 |
| Retained earnings to average equity (ytd only) | 6.3929% | 1,711 |
| Net charge-offs to loans | 0.7115% | 521 |
| Credit loss provision to net charge-offs | 37.9855% | 3,712 |
| Earnings coverage of net charge-offs (x) | 3.5076% | 3,876 |
| Efficiency ratio | 60.5866% | 5,133 |
| Assets per employee ($millions) | 4.3197% | 3,327 |
| Cash dividends to net income (ytd only)* | 28.1990% | 3,463 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1113% | 4,487 |
| Loan loss allowance to noncurrent loans | 89.0173% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 3,267 |
| Noncurrent loans to loans | 1.2484% | 2,364 |
| Net loans and leases to total assets | 55.1715% | 4,426 |
| Net loans and leases to deposits | 65.9539% | 4,331 |
| Net loans and leases to core deposits | 69.0963% | 4,402 |
| Total domestic deposits to total assets | 83.6516% | 3,861 |
| Equity capital to assets | 11.1165% | 2,787 |
| Core capital (leverage) ratio | 9.2114% | 4,664 |
| Tier 1 risk-based capital ratio | 14.4974% | 3,779 |
| Total risk-based capital ratio | 15.4931% | 3,863 |
| Memoranda: |
| Average total assets | $406,367,400 | 1,627 |
| Average earning assets | $375,924,000 | 1,611 |
| Average equity | $42,218,800 | 1,699 |
| Average total loans | $213,498,800 | 1,948 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9300% | 4,052 |
| Cost of funding earning assets | 0.6070% | 1,774 |
| Net interest margin | 3.3230% | 4,528 |
| Noninterest income to average assets | 0.3381% | 4,728 |
| Noninterest expense to average assets | 2.0622% | 5,653 |
| Loan and lease loss provision to assets | 0.1090% | 2,220 |
| Net operating income to assets | 0.9515% | 2,678 |
| Return on assets (ROA) | 0.9668% | 2,679 |
| Pretax return on assets | 1.2556% | 2,551 |
| Return on Equity (ROE) | 9.4672% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.6045% | 1,122 |
| Net charge-offs to loans | -0.0095% | 5,411 |
| Credit loss provision to net charge-offs | -2,226.6667% | 5,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6016% | 5,240 |
| Assets per employee ($millions) | 4.4772% | 3,014 |
| Cash dividends to net income (ytd only)* | 9.1124% | 3,589 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7297% | 1,887 |
| Loan loss allowance to noncurrent loans | 97.4060% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 2,851 |
| Noncurrent loans to loans | 1.7758% | 1,828 |
| Net loans and leases to total assets | 52.9432% | 4,705 |
| Net loans and leases to deposits | 61.9625% | 4,743 |
| Net loans and leases to core deposits | 65.2532% | 4,776 |
| Total domestic deposits to total assets | 85.4439% | 3,134 |
| Equity capital to assets | 10.8971% | 3,073 |
| Core capital (leverage) ratio | 8.9920% | 5,080 |
| Tier 1 risk-based capital ratio | 14.6737% | 3,774 |
| Total risk-based capital ratio | 15.9270% | 3,714 |
| Memoranda: |
| Average total assets | $408,606,750 | 1,636 |
| Average earning assets | $377,358,250 | 1,614 |
| Average equity | $41,729,000 | 1,727 |
| Average total loans | $211,443,250 | 1,975 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9116% | 4,099 |
| Cost of funding earning assets | 0.6248% | 1,688 |
| Net interest margin | 3.2868% | 4,637 |
| Noninterest income to average assets | 0.3357% | 4,740 |
| Noninterest expense to average assets | 2.0580% | 5,710 |
| Loan and lease loss provision to assets | 0.1627% | 1,517 |
| Net operating income to assets | 0.8998% | 2,807 |
| Return on assets (ROA) | 0.9204% | 2,803 |
| Pretax return on assets | 1.1761% | 2,776 |
| Return on Equity (ROE) | 9.2142% | 2,497 |
| Retained earnings to average equity (ytd only) | 7.8972% | 1,363 |
| Net charge-offs to loans | -0.0143% | 5,433 |
| Credit loss provision to net charge-offs | -2,226.6667% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1041% | 5,281 |
| Assets per employee ($millions) | 4.5035% | 2,914 |
| Cash dividends to net income (ytd only)* | 14.2933% | 3,348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7596% | 1,953 |
| Loan loss allowance to noncurrent loans | 94.3467% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 2,959 |
| Noncurrent loans to loans | 1.8650% | 1,842 |
| Net loans and leases to total assets | 50.6004% | 4,900 |
| Net loans and leases to deposits | 58.2005% | 5,027 |
| Net loans and leases to core deposits | 60.9520% | 5,058 |
| Total domestic deposits to total assets | 86.9415% | 2,481 |
| Equity capital to assets | 10.3167% | 3,664 |
| Core capital (leverage) ratio | 8.6459% | 5,472 |
| Tier 1 risk-based capital ratio | 14.3871% | 3,996 |
| Total risk-based capital ratio | 15.6411% | 3,934 |
| Memoranda: |
| Average total assets | $410,492,000 | 1,622 |
| Average earning assets | $379,028,330 | 1,613 |
| Average equity | $41,002,000 | 1,746 |
| Average total loans | $209,561,000 | 1,982 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9719% | 3,802 |
| Cost of funding earning assets | 0.6611% | 1,505 |
| Net interest margin | 3.3108% | 4,485 |
| Noninterest income to average assets | 0.3280% | 4,746 |
| Noninterest expense to average assets | 2.0892% | 5,707 |
| Loan and lease loss provision to assets | 0.2389% | 926 |
| Net operating income to assets | 0.8459% | 2,921 |
| Return on assets (ROA) | 0.8850% | 2,784 |
| Pretax return on assets | 1.1131% | 2,841 |
| Return on Equity (ROE) | 9.0105% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.0105% | 1,250 |
| Net charge-offs to loans | -0.0135% | 5,164 |
| Credit loss provision to net charge-offs | -3,485.7143% | 5,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5772% | 5,325 |
| Assets per employee ($millions) | 4.4002% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7581% | 2,164 |
| Loan loss allowance to noncurrent loans | 91.7231% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 2,951 |
| Noncurrent loans to loans | 1.9167% | 1,973 |
| Net loans and leases to total assets | 50.4807% | 4,852 |
| Net loans and leases to deposits | 59.4604% | 4,811 |
| Net loans and leases to core deposits | 62.0654% | 4,875 |
| Total domestic deposits to total assets | 84.8980% | 3,919 |
| Equity capital to assets | 10.1262% | 3,689 |
| Core capital (leverage) ratio | 8.4607% | 5,691 |
| Tier 1 risk-based capital ratio | 14.3958% | 4,069 |
| Total risk-based capital ratio | 15.6496% | 4,026 |
| Memoranda: |
| Average total assets | $408,578,500 | 1,642 |
| Average earning assets | $378,158,500 | 1,624 |
| Average equity | $40,131,000 | 1,767 |
| Average total loans | $207,640,500 | 1,991 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8430% | 4,649 |
| Cost of funding earning assets | 0.8070% | 1,182 |
| Net interest margin | 3.0360% | 5,492 |
| Noninterest income to average assets | 0.4171% | 4,320 |
| Noninterest expense to average assets | 1.9435% | 6,116 |
| Loan and lease loss provision to assets | 0.1893% | 1,948 |
| Net operating income to assets | 0.8808% | 2,876 |
| Return on assets (ROA) | 0.8910% | 2,920 |
| Pretax return on assets | 1.0856% | 3,003 |
| Return on Equity (ROE) | 9.3730% | 2,378 |
| Retained earnings to average equity (ytd only) | 6.5477% | 1,654 |
| Net charge-offs to loans | 0.2154% | 2,737 |
| Credit loss provision to net charge-offs | 184.1492% | 1,246 |
| Earnings coverage of net charge-offs (x) | 12.2821% | 2,137 |
| Efficiency ratio | 59.5770% | 5,528 |
| Assets per employee ($millions) | 4.4819% | 2,939 |
| Cash dividends to net income (ytd only)* | 30.1425% | 3,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6433% | 2,597 |
| Loan loss allowance to noncurrent loans | 85.5994% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 3,074 |
| Noncurrent loans to loans | 1.9197% | 2,092 |
| Net loans and leases to total assets | 49.4406% | 5,142 |
| Net loans and leases to deposits | 58.5901% | 5,067 |
| Net loans and leases to core deposits | 61.6601% | 5,090 |
| Total domestic deposits to total assets | 84.3839% | 4,023 |
| Equity capital to assets | 9.5235% | 4,396 |
| Core capital (leverage) ratio | 8.1009% | 6,053 |
| Tier 1 risk-based capital ratio | 13.8539% | 4,397 |
| Total risk-based capital ratio | 15.1061% | 4,336 |
| Memoranda: |
| Average total assets | $417,382,200 | 1,581 |
| Average earning assets | $383,397,200 | 1,575 |
| Average equity | $39,678,000 | 1,759 |
| Average total loans | $199,192,800 | 2,008 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8013% | 4,854 |
| Cost of funding earning assets | 0.8272% | 1,173 |
| Net interest margin | 2.9741% | 5,656 |
| Noninterest income to average assets | 0.4475% | 4,173 |
| Noninterest expense to average assets | 1.9402% | 6,117 |
| Loan and lease loss provision to assets | 0.0975% | 3,136 |
| Net operating income to assets | 0.9261% | 2,707 |
| Return on assets (ROA) | 0.9261% | 2,821 |
| Pretax return on assets | 1.1341% | 2,967 |
| Return on Equity (ROE) | 9.7466% | 2,283 |
| Retained earnings to average equity (ytd only) | 8.9054% | 1,083 |
| Net charge-offs to loans | 0.1041% | 3,493 |
| Credit loss provision to net charge-offs | 198.7013% | 1,219 |
| Earnings coverage of net charge-offs (x) | 25.1102% | 1,397 |
| Efficiency ratio | 60.1165% | 5,416 |
| Assets per employee ($millions) | 4.5389% | 2,820 |
| Cash dividends to net income (ytd only)* | 8.6314% | 3,519 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6138% | 2,944 |
| Loan loss allowance to noncurrent loans | 54.0308% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 1.5616% | 2,591 |
| Noncurrent loans to loans | 2.9869% | 1,352 |
| Net loans and leases to total assets | 46.6743% | 5,475 |
| Net loans and leases to deposits | 54.6068% | 5,485 |
| Net loans and leases to core deposits | 57.4956% | 5,489 |
| Total domestic deposits to total assets | 85.4733% | 3,508 |
| Equity capital to assets | 9.4150% | 4,653 |
| Core capital (leverage) ratio | 7.9704% | 6,239 |
| Tier 1 risk-based capital ratio | 14.3900% | 4,154 |
| Total risk-based capital ratio | 15.6419% | 4,110 |
| Memoranda: |
| Average total assets | $418,643,500 | 1,586 |
| Average earning assets | $383,475,000 | 1,585 |
| Average equity | $39,780,250 | 1,764 |
| Average total loans | $197,174,000 | 2,029 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8213% | 4,756 |
| Cost of funding earning assets | 0.8361% | 1,224 |
| Net interest margin | 2.9852% | 5,596 |
| Noninterest income to average assets | 0.5045% | 3,799 |
| Noninterest expense to average assets | 1.9313% | 6,172 |
| Loan and lease loss provision to assets | 0.1045% | 3,044 |
| Net operating income to assets | 0.9690% | 2,470 |
| Return on assets (ROA) | 0.9690% | 2,613 |
| Pretax return on assets | 1.2024% | 2,667 |
| Return on Equity (ROE) | 10.1664% | 2,136 |
| Retained earnings to average equity (ytd only) | 8.9094% | 1,160 |
| Net charge-offs to loans | 0.1067% | 3,296 |
| Credit loss provision to net charge-offs | 208.5714% | 1,151 |
| Earnings coverage of net charge-offs (x) | 26.0762% | 1,252 |
| Efficiency ratio | 58.6085% | 5,653 |
| Assets per employee ($millions) | 4.9256% | 2,193 |
| Cash dividends to net income (ytd only)* | 12.3645% | 3,249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6077% | 3,129 |
| Loan loss allowance to noncurrent loans | 60.8553% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4032% | 3,004 |
| Noncurrent loans to loans | 2.6418% | 1,732 |
| Net loans and leases to total assets | 46.1775% | 5,512 |
| Net loans and leases to deposits | 53.3548% | 5,573 |
| Net loans and leases to core deposits | 56.1737% | 5,582 |
| Total domestic deposits to total assets | 86.5480% | 3,093 |
| Equity capital to assets | 9.3733% | 4,752 |
| Core capital (leverage) ratio | 7.8429% | 6,284 |
| Tier 1 risk-based capital ratio | 13.9269% | 4,471 |
| Total risk-based capital ratio | 15.1786% | 4,434 |
| Memoranda: |
| Average total assets | $418,999,000 | 1,587 |
| Average earning assets | $383,693,000 | 1,580 |
| Average equity | $39,935,330 | 1,761 |
| Average total loans | $196,866,000 | 2,035 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8695% | 4,589 |
| Cost of funding earning assets | 0.8481% | 1,261 |
| Net interest margin | 3.0214% | 5,511 |
| Noninterest income to average assets | 0.3073% | 5,230 |
| Noninterest expense to average assets | 1.8857% | 6,295 |
| Loan and lease loss provision to assets | 0.0859% | 3,230 |
| Net operating income to assets | 0.8722% | 2,791 |
| Return on assets (ROA) | 0.8722% | 2,942 |
| Pretax return on assets | 1.1098% | 2,917 |
| Return on Equity (ROE) | 9.0762% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.0762% | 1,358 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1115% | 5,574 |
| Assets per employee ($millions) | 5.3119% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6081% | 3,369 |
| Loan loss allowance to noncurrent loans | 67.9454% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 3,495 |
| Noncurrent loans to loans | 2.3668% | 2,200 |
| Net loans and leases to total assets | 45.7093% | 5,466 |
| Net loans and leases to deposits | 53.3402% | 5,491 |
| Net loans and leases to core deposits | 56.2836% | 5,499 |
| Total domestic deposits to total assets | 85.6939% | 3,683 |
| Equity capital to assets | 9.6602% | 4,624 |
| Core capital (leverage) ratio | 7.7134% | 6,344 |
| Tier 1 risk-based capital ratio | 14.1130% | 4,417 |
| Total risk-based capital ratio | 15.3650% | 4,374 |
| Memoranda: |
| Average total assets | $419,158,500 | 1,602 |
| Average earning assets | $384,854,500 | 1,595 |
| Average equity | $40,281,000 | 1,766 |
| Average total loans | $197,051,500 | 2,051 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1231% | 4,870 |
| Cost of funding earning assets | 1.0306% | 1,203 |
| Net interest margin | 3.0925% | 5,833 |
| Noninterest income to average assets | 0.3758% | 4,786 |
| Noninterest expense to average assets | 1.8271% | 6,590 |
| Loan and lease loss provision to assets | 0.3285% | 2,065 |
| Net operating income to assets | 0.8427% | 3,079 |
| Return on assets (ROA) | 0.8553% | 3,266 |
| Pretax return on assets | 1.0743% | 3,259 |
| Return on Equity (ROE) | 9.1902% | 2,540 |
| Retained earnings to average equity (ytd only) | 7.7285% | 1,222 |
| Net charge-offs to loans | 0.1786% | 3,944 |
| Credit loss provision to net charge-offs | 398.2456% | 608 |
| Earnings coverage of net charge-offs (x) | 16.8158% | 1,550 |
| Efficiency ratio | 55.7932% | 6,077 |
| Assets per employee ($millions) | 5.3677% | 1,823 |
| Cash dividends to net income (ytd only)* | 15.9052% | 3,893 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5290% | 3,623 |
| Loan loss allowance to noncurrent loans | 54.0085% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 3,160 |
| Noncurrent loans to loans | 2.8310% | 1,860 |
| Net loans and leases to total assets | 46.8401% | 5,529 |
| Net loans and leases to deposits | 55.7592% | 5,469 |
| Net loans and leases to core deposits | 58.6377% | 5,487 |
| Total domestic deposits to total assets | 84.0042% | 4,311 |
| Equity capital to assets | 9.5596% | 4,808 |
| Core capital (leverage) ratio | 7.3675% | 6,556 |
| Tier 1 risk-based capital ratio | 13.5358% | 4,725 |
| Total risk-based capital ratio | 14.7871% | 4,677 |
| Memoranda: |
| Average total assets | $414,600,000 | 1,578 |
| Average earning assets | $380,539,400 | 1,572 |
| Average equity | $38,584,600 | 1,802 |
| Average total loans | $191,487,800 | 2,082 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1702% | 4,916 |
| Cost of funding earning assets | 1.0593% | 1,237 |
| Net interest margin | 3.1109% | 5,912 |
| Noninterest income to average assets | 0.3968% | 4,661 |
| Noninterest expense to average assets | 1.8401% | 6,630 |
| Loan and lease loss provision to assets | 0.2453% | 2,604 |
| Net operating income to assets | 0.9149% | 2,909 |
| Return on assets (ROA) | 0.9149% | 3,135 |
| Pretax return on assets | 1.1686% | 3,102 |
| Return on Equity (ROE) | 9.8991% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.0899% | 1,189 |
| Net charge-offs to loans | 0.2412% | 3,277 |
| Credit loss provision to net charge-offs | 221.8659% | 1,251 |
| Earnings coverage of net charge-offs (x) | 12.7872% | 1,971 |
| Efficiency ratio | 55.5082% | 6,104 |
| Assets per employee ($millions) | 5.2969% | 1,833 |
| Cash dividends to net income (ytd only)* | 8.1749% | 3,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2726% | 4,935 |
| Loan loss allowance to noncurrent loans | 45.6124% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 3,419 |
| Noncurrent loans to loans | 2.7901% | 2,016 |
| Net loans and leases to total assets | 45.2913% | 5,842 |
| Net loans and leases to deposits | 53.3156% | 5,867 |
| Net loans and leases to core deposits | 55.8845% | 5,901 |
| Total domestic deposits to total assets | 84.9494% | 3,766 |
| Equity capital to assets | 9.6297% | 5,021 |
| Core capital (leverage) ratio | 7.3122% | 6,712 |
| Tier 1 risk-based capital ratio | 13.6610% | 4,776 |
| Total risk-based capital ratio | 14.7773% | 4,823 |
| Memoranda: |
| Average total assets | $413,580,500 | 1,601 |
| Average earning assets | $379,864,500 | 1,591 |
| Average equity | $38,224,750 | 1,836 |
| Average total loans | $189,571,250 | 2,120 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2027% | 4,941 |
| Cost of funding earning assets | 1.0860% | 1,282 |
| Net interest margin | 3.1168% | 5,955 |
| Noninterest income to average assets | 0.4306% | 4,429 |
| Noninterest expense to average assets | 1.8754% | 6,649 |
| Loan and lease loss provision to assets | 0.3525% | 1,868 |
| Net operating income to assets | 0.8506% | 3,139 |
| Return on assets (ROA) | 0.8506% | 3,413 |
| Pretax return on assets | 1.0647% | 3,444 |
| Return on Equity (ROE) | 9.3355% | 2,655 |
| Retained earnings to average equity (ytd only) | 8.0993% | 1,602 |
| Net charge-offs to loans | 0.3719% | 2,534 |
| Credit loss provision to net charge-offs | 206.8376% | 1,369 |
| Earnings coverage of net charge-offs (x) | 8.3162% | 2,317 |
| Efficiency ratio | 55.9275% | 6,122 |
| Assets per employee ($millions) | 5.3300% | 1,794 |
| Cash dividends to net income (ytd only)* | 13.2420% | 3,217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2433% | 5,149 |
| Loan loss allowance to noncurrent loans | 64.5682% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 4,265 |
| Noncurrent loans to loans | 1.9255% | 3,037 |
| Net loans and leases to total assets | 45.2748% | 5,896 |
| Net loans and leases to deposits | 53.1131% | 5,946 |
| Net loans and leases to core deposits | 55.7531% | 5,966 |
| Total domestic deposits to total assets | 85.2422% | 3,745 |
| Equity capital to assets | 9.1362% | 5,544 |
| Core capital (leverage) ratio | 7.1417% | 6,771 |
| Tier 1 risk-based capital ratio | 13.0236% | 5,171 |
| Total risk-based capital ratio | 14.1097% | 5,265 |
| Memoranda: |
| Average total assets | $411,955,330 | 1,609 |
| Average earning assets | $378,277,670 | 1,595 |
| Average equity | $37,534,330 | 1,861 |
| Average total loans | $188,772,670 | 2,127 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2655% | 4,868 |
| Cost of funding earning assets | 1.1258% | 1,271 |
| Net interest margin | 3.1397% | 5,933 |
| Noninterest income to average assets | 0.5243% | 3,750 |
| Noninterest expense to average assets | 1.9499% | 6,553 |
| Loan and lease loss provision to assets | 0.5793% | 997 |
| Net operating income to assets | 0.7285% | 3,739 |
| Return on assets (ROA) | 0.7285% | 3,972 |
| Pretax return on assets | 0.8758% | 4,125 |
| Return on Equity (ROE) | 8.0072% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.0072% | 1,977 |
| Net charge-offs to loans | 0.1715% | 3,058 |
| Credit loss provision to net charge-offs | 737.5000% | 480 |
| Earnings coverage of net charge-offs (x) | 18.5250% | 1,262 |
| Efficiency ratio | 56.2572% | 6,096 |
| Assets per employee ($millions) | 5.1246% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3839% | 4,679 |
| Loan loss allowance to noncurrent loans | 75.9892% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 4,508 |
| Noncurrent loans to loans | 1.8211% | 3,378 |
| Net loans and leases to total assets | 44.0636% | 6,004 |
| Net loans and leases to deposits | 51.6379% | 6,009 |
| Net loans and leases to core deposits | 54.3201% | 6,033 |
| Total domestic deposits to total assets | 85.3319% | 3,866 |
| Equity capital to assets | 9.1280% | 5,324 |
| Core capital (leverage) ratio | 7.0828% | 6,807 |
| Tier 1 risk-based capital ratio | 13.2107% | 5,061 |
| Total risk-based capital ratio | 14.4082% | 5,059 |
| Memoranda: |
| Average total assets | $407,396,500 | 1,628 |
| Average earning assets | $373,788,500 | 1,622 |
| Average equity | $37,066,500 | 1,879 |
| Average total loans | $186,639,000 | 2,153 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6489% | 4,459 |
| Cost of funding earning assets | 1.3657% | 1,179 |
| Net interest margin | 3.2832% | 5,864 |
| Noninterest income to average assets | 0.3749% | 4,830 |
| Noninterest expense to average assets | 1.9782% | 6,714 |
| Loan and lease loss provision to assets | 0.0583% | 5,872 |
| Net operating income to assets | 1.0145% | 2,152 |
| Return on assets (ROA) | 1.0306% | 2,236 |
| Pretax return on assets | 1.3659% | 1,896 |
| Return on Equity (ROE) | 10.6075% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.7430% | 870 |
| Net charge-offs to loans | 0.0599% | 5,703 |
| Credit loss provision to net charge-offs | 195.0980% | 1,304 |
| Earnings coverage of net charge-offs (x) | 46.9216% | 590 |
| Efficiency ratio | 57.2952% | 6,151 |
| Assets per employee ($millions) | 5.1243% | 2,028 |
| Cash dividends to net income (ytd only)* | 17.5768% | 3,629 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0653% | 5,942 |
| Loan loss allowance to noncurrent loans | 56.4539% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 4,538 |
| Noncurrent loans to loans | 1.8870% | 3,359 |
| Net loans and leases to total assets | 46.4575% | 5,971 |
| Net loans and leases to deposits | 54.8475% | 5,992 |
| Net loans and leases to core deposits | 57.5692% | 6,036 |
| Total domestic deposits to total assets | 84.7029% | 4,000 |
| Equity capital to assets | 9.0684% | 5,469 |
| Core capital (leverage) ratio | 7.9290% | 6,324 |
| Tier 1 risk-based capital ratio | 12.4616% | 5,483 |
| Total risk-based capital ratio | 13.3879% | 5,715 |
| Memoranda: |
| Average total assets | $341,176,600 | 1,897 |
| Average earning assets | $312,375,600 | 1,888 |
| Average equity | $33,146,400 | 2,012 |
| Average total loans | $170,267,600 | 2,373 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8113% | 3,978 |
| Cost of funding earning assets | 1.4413% | 1,058 |
| Net interest margin | 3.3701% | 5,660 |
| Noninterest income to average assets | 0.3960% | 4,697 |
| Noninterest expense to average assets | 1.9795% | 6,732 |
| Loan and lease loss provision to assets | 0.0586% | 5,709 |
| Net operating income to assets | 1.0782% | 2,053 |
| Return on assets (ROA) | 1.1006% | 2,111 |
| Pretax return on assets | 1.4761% | 1,714 |
| Return on Equity (ROE) | 11.0987% | 1,833 |
| Retained earnings to average equity (ytd only) | 9.5031% | 983 |
| Net charge-offs to loans | 0.0218% | 5,846 |
| Credit loss provision to net charge-offs | 529.6296% | 522 |
| Earnings coverage of net charge-offs (x) | 135.9594% | 277 |
| Efficiency ratio | 55.5765% | 6,332 |
| Assets per employee ($millions) | 5.0394% | 2,138 |
| Cash dividends to net income (ytd only)* | 14.3761% | 3,147 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2261% | 5,362 |
| Loan loss allowance to noncurrent loans | 69.9521% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.0458% | 4,671 |
| Noncurrent loans to loans | 1.7528% | 3,696 |
| Net loans and leases to total assets | 48.7684% | 5,866 |
| Net loans and leases to deposits | 59.2100% | 5,729 |
| Net loans and leases to core deposits | 62.3415% | 5,791 |
| Total domestic deposits to total assets | 82.3651% | 4,943 |
| Equity capital to assets | 10.2068% | 4,071 |
| Core capital (leverage) ratio | 8.7958% | 5,268 |
| Tier 1 risk-based capital ratio | 15.3446% | 3,464 |
| Total risk-based capital ratio | 16.4323% | 3,522 |
| Memoranda: |
| Average total assets | $325,265,250 | 1,988 |
| Average earning assets | $298,065,500 | 1,970 |
| Average equity | $32,255,250 | 2,061 |
| Average total loans | $165,310,750 | 2,438 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8334% | 3,939 |
| Cost of funding earning assets | 1.4690% | 1,122 |
| Net interest margin | 3.3644% | 5,663 |
| Noninterest income to average assets | 0.4191% | 4,521 |
| Noninterest expense to average assets | 2.0365% | 6,719 |
| Loan and lease loss provision to assets | 0.0230% | 6,005 |
| Net operating income to assets | 1.0712% | 1,967 |
| Return on assets (ROA) | 1.1048% | 1,944 |
| Pretax return on assets | 1.4860% | 1,573 |
| Return on Equity (ROE) | 11.2565% | 1,713 |
| Retained earnings to average equity (ytd only) | 8.8072% | 1,173 |
| Net charge-offs to loans | 0.0400% | 5,291 |
| Credit loss provision to net charge-offs | 112.1212% | 2,735 |
| Earnings coverage of net charge-offs (x) | 71.2121% | 474 |
| Efficiency ratio | 56.9395% | 6,307 |
| Assets per employee ($millions) | 4.8493% | 2,341 |
| Cash dividends to net income (ytd only)* | 21.7587% | 2,787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1935% | 5,573 |
| Loan loss allowance to noncurrent loans | 63.0754% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.1302% | 4,631 |
| Noncurrent loans to loans | 1.8922% | 3,616 |
| Net loans and leases to total assets | 49.2275% | 5,918 |
| Net loans and leases to deposits | 59.0294% | 5,819 |
| Net loans and leases to core deposits | 61.9375% | 5,902 |
| Total domestic deposits to total assets | 83.3949% | 4,585 |
| Equity capital to assets | 10.1097% | 4,001 |
| Core capital (leverage) ratio | 8.7397% | 5,158 |
| Tier 1 risk-based capital ratio | 15.3125% | 3,343 |
| Total risk-based capital ratio | 16.3731% | 3,403 |
| Memoranda: |
| Average total assets | $321,141,330 | 2,014 |
| Average earning assets | $294,079,330 | 2,012 |
| Average equity | $31,519,670 | 2,090 |
| Average total loans | $164,846,330 | 2,470 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8492% | 3,824 |
| Cost of funding earning assets | 1.4832% | 1,241 |
| Net interest margin | 3.3660% | 5,557 |
| Noninterest income to average assets | 0.4135% | 4,598 |
| Noninterest expense to average assets | 2.1638% | 6,505 |
| Loan and lease loss provision to assets | 0.0464% | 5,422 |
| Net operating income to assets | 0.9585% | 2,318 |
| Return on assets (ROA) | 1.0261% | 2,138 |
| Pretax return on assets | 1.3757% | 1,792 |
| Return on Equity (ROE) | 10.6171% | 1,869 |
| Retained earnings to average equity (ytd only) | 8.6077% | 1,515 |
| Net charge-offs to loans | 0.0553% | 4,380 |
| Credit loss provision to net charge-offs | 160.8696% | 1,793 |
| Earnings coverage of net charge-offs (x) | 46.2174% | 609 |
| Efficiency ratio | 60.6452% | 5,881 |
| Assets per employee ($millions) | 4.7907% | 2,435 |
| Cash dividends to net income (ytd only)* | 18.9255% | 2,229 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1949% | 5,665 |
| Loan loss allowance to noncurrent loans | 59.9013% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 4,554 |
| Noncurrent loans to loans | 1.9947% | 3,577 |
| Net loans and leases to total assets | 50.0307% | 5,847 |
| Net loans and leases to deposits | 60.2359% | 5,706 |
| Net loans and leases to core deposits | 63.4784% | 5,781 |
| Total domestic deposits to total assets | 83.0580% | 4,901 |
| Equity capital to assets | 9.7692% | 4,074 |
| Core capital (leverage) ratio | 8.6682% | 5,142 |
| Tier 1 risk-based capital ratio | 14.7477% | 3,579 |
| Total risk-based capital ratio | 15.8033% | 3,668 |
| Memoranda: |
| Average total assets | $319,259,000 | 2,041 |
| Average earning assets | $292,336,000 | 2,041 |
| Average equity | $30,856,000 | 2,121 |
| Average total loans | $166,332,000 | 2,481 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3141% | 3,060 |
| Cost of funding earning assets | 1.7419% | 1,418 |
| Net interest margin | 3.5721% | 4,954 |
| Noninterest income to average assets | 0.4336% | 4,649 |
| Noninterest expense to average assets | 2.0977% | 6,849 |
| Loan and lease loss provision to assets | 0.2569% | 4,734 |
| Net operating income to assets | 1.0331% | 1,927 |
| Return on assets (ROA) | 1.0354% | 2,027 |
| Pretax return on assets | 1.3575% | 1,776 |
| Return on Equity (ROE) | 10.5285% | 1,746 |
| Retained earnings to average equity (ytd only) | 7.2398% | 1,228 |
| Net charge-offs to loans | 0.1347% | 5,567 |
| Credit loss provision to net charge-offs | 339.5652% | 758 |
| Earnings coverage of net charge-offs (x) | 21.2957% | 975 |
| Efficiency ratio | 55.3131% | 6,675 |
| Assets per employee ($millions) | 4.7394% | 2,508 |
| Cash dividends to net income (ytd only)* | 31.2361% | 2,989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1332% | 5,812 |
| Loan loss allowance to noncurrent loans | 79.6365% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.9583% | 5,094 |
| Noncurrent loans to loans | 1.4230% | 4,353 |
| Net loans and leases to total assets | 52.9717% | 5,787 |
| Net loans and leases to deposits | 64.0720% | 5,622 |
| Net loans and leases to core deposits | 67.1874% | 5,754 |
| Total domestic deposits to total assets | 82.6753% | 4,932 |
| Equity capital to assets | 9.5594% | 4,327 |
| Core capital (leverage) ratio | 8.5284% | 5,305 |
| Tier 1 risk-based capital ratio | 13.8420% | 3,969 |
| Total risk-based capital ratio | 14.8516% | 4,100 |
| Memoranda: |
| Average total assets | $303,951,000 | 2,131 |
| Average earning assets | $278,713,000 | 2,121 |
| Average equity | $29,890,400 | 2,186 |
| Average total loans | $170,804,400 | 2,461 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3613% | 3,067 |
| Cost of funding earning assets | 1.7784% | 1,514 |
| Net interest margin | 3.5829% | 4,954 |
| Noninterest income to average assets | 0.3731% | 5,167 |
| Noninterest expense to average assets | 2.1010% | 6,842 |
| Loan and lease loss provision to assets | 0.3207% | 4,022 |
| Net operating income to assets | 0.9538% | 2,403 |
| Return on assets (ROA) | 0.9569% | 2,514 |
| Pretax return on assets | 1.2443% | 2,354 |
| Return on Equity (ROE) | 9.6591% | 2,262 |
| Retained earnings to average equity (ytd only) | 6.2289% | 2,245 |
| Net charge-offs to loans | 0.1716% | 4,937 |
| Credit loss provision to net charge-offs | 328.6364% | 969 |
| Earnings coverage of net charge-offs (x) | 15.9952% | 1,409 |
| Efficiency ratio | 56.0993% | 6,540 |
| Assets per employee ($millions) | 4.6312% | 2,706 |
| Cash dividends to net income (ytd only)* | 35.5123% | 2,287 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0990% | 5,950 |
| Loan loss allowance to noncurrent loans | 49.1632% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 4,268 |
| Noncurrent loans to loans | 2.2354% | 3,410 |
| Net loans and leases to total assets | 55.3505% | 5,647 |
| Net loans and leases to deposits | 67.8718% | 5,437 |
| Net loans and leases to core deposits | 71.8572% | 5,526 |
| Total domestic deposits to total assets | 81.5515% | 5,182 |
| Equity capital to assets | 10.0649% | 4,072 |
| Core capital (leverage) ratio | 8.3338% | 5,813 |
| Tier 1 risk-based capital ratio | 13.5412% | 4,168 |
| Total risk-based capital ratio | 14.5346% | 4,332 |
| Memoranda: |
| Average total assets | $300,553,500 | 2,183 |
| Average earning assets | $275,897,750 | 2,178 |
| Average equity | $29,774,250 | 2,215 |
| Average total loans | $170,971,750 | 2,494 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3634% | 3,139 |
| Cost of funding earning assets | 1.7837% | 1,706 |
| Net interest margin | 3.5798% | 4,901 |
| Noninterest income to average assets | 0.3734% | 5,145 |
| Noninterest expense to average assets | 2.1368% | 6,800 |
| Loan and lease loss provision to assets | 0.2536% | 4,393 |
| Net operating income to assets | 0.9191% | 2,476 |
| Return on assets (ROA) | 0.9235% | 2,558 |
| Pretax return on assets | 1.2595% | 2,228 |
| Return on Equity (ROE) | 9.3736% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.2083% | 2,222 |
| Net charge-offs to loans | 0.2586% | 4,055 |
| Credit loss provision to net charge-offs | 171.4932% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.1900% | 1,924 |
| Efficiency ratio | 57.3554% | 6,469 |
| Assets per employee ($millions) | 4.7017% | 2,580 |
| Cash dividends to net income (ytd only)* | 33.7681% | 2,372 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8971% | 6,768 |
| Loan loss allowance to noncurrent loans | 39.9844% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 1.4647% | 4,264 |
| Noncurrent loans to loans | 2.2436% | 3,435 |
| Net loans and leases to total assets | 54.6473% | 5,891 |
| Net loans and leases to deposits | 66.2802% | 5,771 |
| Net loans and leases to core deposits | 70.7986% | 5,798 |
| Total domestic deposits to total assets | 82.4488% | 4,801 |
| Equity capital to assets | 9.6626% | 4,449 |
| Core capital (leverage) ratio | 8.5121% | 5,383 |
| Tier 1 risk-based capital ratio | 13.4622% | 4,091 |
| Total risk-based capital ratio | 14.2850% | 4,366 |
| Memoranda: |
| Average total assets | $298,852,670 | 2,207 |
| Average earning assets | $273,035,000 | 2,211 |
| Average equity | $29,444,330 | 2,229 |
| Average total loans | $170,941,670 | 2,526 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4069% | 3,004 |
| Cost of funding earning assets | 1.7949% | 1,898 |
| Net interest margin | 3.6121% | 4,675 |
| Noninterest income to average assets | 0.3575% | 5,278 |
| Noninterest expense to average assets | 2.2066% | 6,671 |
| Loan and lease loss provision to assets | 0.2101% | 4,403 |
| Net operating income to assets | 0.9566% | 2,337 |
| Return on assets (ROA) | 0.9566% | 2,403 |
| Pretax return on assets | 1.2473% | 2,213 |
| Return on Equity (ROE) | 9.6111% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.6111% | 1,233 |
| Net charge-offs to loans | 0.0773% | 4,647 |
| Credit loss provision to net charge-offs | 466.6667% | 902 |
| Earnings coverage of net charge-offs (x) | 32.3636% | 825 |
| Efficiency ratio | 58.9199% | 6,352 |
| Assets per employee ($millions) | 4.3016% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8794% | 6,903 |
| Loan loss allowance to noncurrent loans | 42.0905% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 4,316 |
| Noncurrent loans to loans | 2.0894% | 3,672 |
| Net loans and leases to total assets | 57.7205% | 5,492 |
| Net loans and leases to deposits | 70.9039% | 5,215 |
| Net loans and leases to core deposits | 77.3021% | 5,106 |
| Total domestic deposits to total assets | 81.4067% | 5,313 |
| Equity capital to assets | 10.1693% | 3,643 |
| Core capital (leverage) ratio | 8.7149% | 4,998 |
| Tier 1 risk-based capital ratio | 13.4835% | 3,991 |
| Total risk-based capital ratio | 14.2958% | 4,274 |
| Memoranda: |
| Average total assets | $293,124,000 | 2,290 |
| Average earning assets | $268,322,000 | 2,292 |
| Average equity | $29,174,500 | 2,274 |
| Average total loans | $170,857,000 | 2,594 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5550% | 3,840 |
| Cost of funding earning assets | 2.1673% | 2,161 |
| Net interest margin | 3.3877% | 5,413 |
| Noninterest income to average assets | 0.3931% | 5,265 |
| Noninterest expense to average assets | 2.4427% | 6,329 |
| Loan and lease loss provision to assets | 0.2434% | 5,437 |
| Net operating income to assets | 0.5972% | 3,336 |
| Return on assets (ROA) | 0.6125% | 3,355 |
| Pretax return on assets | 0.8404% | 3,110 |
| Return on Equity (ROE) | 6.3124% | 3,072 |
| Retained earnings to average equity (ytd only) | 2.2398% | 3,550 |
| Net charge-offs to loans | 0.3295% | 4,585 |
| Credit loss provision to net charge-offs | 130.0917% | 3,927 |
| Earnings coverage of net charge-offs (x) | 5.6807% | 2,523 |
| Efficiency ratio | 68.3087% | 4,960 |
| Assets per employee ($millions) | 4.5191% | 2,890 |
| Cash dividends to net income (ytd only)* | 64.5179% | 1,802 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8041% | 7,116 |
| Loan loss allowance to noncurrent loans | 59.2433% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0475% | 5,001 |
| Noncurrent loans to loans | 1.3572% | 4,654 |
| Net loans and leases to total assets | 57.8747% | 5,682 |
| Net loans and leases to deposits | 70.8612% | 5,488 |
| Net loans and leases to core deposits | 89.1968% | 5,205 |
| Total domestic deposits to total assets | 81.6732% | 5,072 |
| Equity capital to assets | 9.7375% | 4,092 |
| Core capital (leverage) ratio | 8.5249% | 5,241 |
| Tier 1 risk-based capital ratio | 12.8904% | 4,218 |
| Total risk-based capital ratio | 13.6265% | 4,582 |
| Memoranda: |
| Average total assets | $291,275,600 | 2,273 |
| Average earning assets | $267,612,800 | 2,261 |
| Average equity | $28,262,000 | 2,352 |
| Average total loans | $165,401,800 | 2,682 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5630% | 4,080 |
| Cost of funding earning assets | 2.2646% | 2,131 |
| Net interest margin | 3.2983% | 5,648 |
| Noninterest income to average assets | 0.3959% | 5,325 |
| Noninterest expense to average assets | 2.1995% | 6,976 |
| Loan and lease loss provision to assets | 0.1477% | 5,880 |
| Net operating income to assets | 0.8455% | 2,637 |
| Return on assets (ROA) | 0.8555% | 2,656 |
| Pretax return on assets | 1.0913% | 2,610 |
| Return on Equity (ROE) | 8.8250% | 2,328 |
| Retained earnings to average equity (ytd only) | 5.5079% | 2,199 |
| Net charge-offs to loans | 0.0049% | 6,898 |
| Credit loss provision to net charge-offs | 5,366.6667% | 74 |
| Earnings coverage of net charge-offs (x) | 445.4888% | 80 |
| Efficiency ratio | 62.8013% | 5,966 |
| Assets per employee ($millions) | 4.4663% | 2,917 |
| Cash dividends to net income (ytd only)* | 37.5871% | 2,551 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9216% | 6,665 |
| Loan loss allowance to noncurrent loans | 21.3419% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 2.6802% | 2,597 |
| Noncurrent loans to loans | 4.3184% | 1,654 |
| Net loans and leases to total assets | 56.6565% | 6,074 |
| Net loans and leases to deposits | 69.5073% | 5,977 |
| Net loans and leases to core deposits | 89.5105% | 5,483 |
| Total domestic deposits to total assets | 81.5116% | 4,873 |
| Equity capital to assets | 10.2438% | 3,795 |
| Core capital (leverage) ratio | 8.4450% | 5,587 |
| Tier 1 risk-based capital ratio | 13.5906% | 3,782 |
| Total risk-based capital ratio | 14.4350% | 3,999 |
| Memoranda: |
| Average total assets | $290,659,500 | 2,298 |
| Average earning assets | $266,996,000 | 2,274 |
| Average equity | $28,176,750 | 2,378 |
| Average total loans | $163,907,500 | 2,728 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5627% | 4,267 |
| Cost of funding earning assets | 2.3356% | 2,218 |
| Net interest margin | 3.2271% | 5,814 |
| Noninterest income to average assets | 0.3790% | 5,475 |
| Noninterest expense to average assets | 2.2175% | 7,015 |
| Loan and lease loss provision to assets | 0.1032% | 6,137 |
| Net operating income to assets | 0.8033% | 2,844 |
| Return on assets (ROA) | 0.8157% | 2,891 |
| Pretax return on assets | 1.0345% | 2,864 |
| Return on Equity (ROE) | 8.5768% | 2,531 |
| Retained earnings to average equity (ytd only) | 3.5074% | 3,358 |
| Net charge-offs to loans | 0.0074% | 6,484 |
| Credit loss provision to net charge-offs | 2,500.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 271.8333% | 146 |
| Efficiency ratio | 64.9640% | 5,729 |
| Assets per employee ($millions) | 4.5247% | 2,727 |
| Cash dividends to net income (ytd only)* | 59.1062% | 1,707 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8198% | 7,087 |
| Loan loss allowance to noncurrent loans | 18.8847% | 7,192 |
| Noncurrent assets plus other real estate owned to assets | 2.6129% | 2,463 |
| Noncurrent loans to loans | 4.3413% | 1,498 |
| Net loans and leases to total assets | 55.0133% | 6,336 |
| Net loans and leases to deposits | 68.3763% | 6,148 |
| Net loans and leases to core deposits | 87.3164% | 5,784 |
| Total domestic deposits to total assets | 80.4566% | 5,297 |
| Equity capital to assets | 9.2788% | 4,910 |
| Core capital (leverage) ratio | 8.2330% | 5,915 |
| Tier 1 risk-based capital ratio | 13.0407% | 4,119 |
| Total risk-based capital ratio | 13.7813% | 4,417 |
| Memoranda: |
| Average total assets | $290,775,670 | 2,312 |
| Average earning assets | $266,739,330 | 2,299 |
| Average equity | $27,656,000 | 2,427 |
| Average total loans | $163,206,670 | 2,763 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6495% | 4,054 |
| Cost of funding earning assets | 2.3852% | 2,353 |
| Net interest margin | 3.2644% | 5,644 |
| Noninterest income to average assets | 0.3584% | 5,579 |
| Noninterest expense to average assets | 2.3260% | 6,447 |
| Loan and lease loss provision to assets | 0.0697% | 6,084 |
| Net operating income to assets | 0.7614% | 3,292 |
| Return on assets (ROA) | 0.7614% | 3,467 |
| Pretax return on assets | 0.9552% | 3,517 |
| Return on Equity (ROE) | 7.9046% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.9046% | 1,848 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9567% | 4,973 |
| Assets per employee ($millions) | 4.3569% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7790% | 7,233 |
| Loan loss allowance to noncurrent loans | 17.8405% | 7,271 |
| Noncurrent assets plus other real estate owned to assets | 2.6767% | 2,134 |
| Noncurrent loans to loans | 4.3667% | 1,335 |
| Net loans and leases to total assets | 55.9855% | 6,241 |
| Net loans and leases to deposits | 70.3570% | 5,944 |
| Net loans and leases to core deposits | 92.0289% | 5,342 |
| Total domestic deposits to total assets | 79.5735% | 5,515 |
| Equity capital to assets | 9.7533% | 4,302 |
| Core capital (leverage) ratio | 8.5320% | 5,468 |
| Tier 1 risk-based capital ratio | 13.3026% | 3,994 |
| Total risk-based capital ratio | 14.0050% | 4,264 |
| Memoranda: |
| Average total assets | $286,849,500 | 2,352 |
| Average earning assets | $262,960,000 | 2,338 |
| Average equity | $27,629,500 | 2,445 |
| Average total loans | $161,988,500 | 2,811 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8927% | 6,069 |
| Cost of funding earning assets | 2.8958% | 2,281 |
| Net interest margin | 2.9969% | 6,928 |
| Noninterest income to average assets | 0.3795% | 5,647 |
| Noninterest expense to average assets | 2.0535% | 7,338 |
| Loan and lease loss provision to assets | 0.0536% | 6,746 |
| Net operating income to assets | 0.7682% | 3,578 |
| Return on assets (ROA) | 0.7916% | 3,312 |
| Pretax return on assets | 1.0371% | 3,246 |
| Return on Equity (ROE) | 8.3611% | 2,911 |
| Retained earnings to average equity (ytd only) | -0.6719% | 5,501 |
| Net charge-offs to loans | 0.0404% | 6,218 |
| Credit loss provision to net charge-offs | 238.0952% | 1,984 |
| Earnings coverage of net charge-offs (x) | 47.0794% | 791 |
| Efficiency ratio | 64.3480% | 5,484 |
| Assets per employee ($millions) | 4.4710% | 2,658 |
| Cash dividends to net income (ytd only)* | 108.0361% | 834 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7507% | 7,282 |
| Loan loss allowance to noncurrent loans | 77.3248% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 4,981 |
| Noncurrent loans to loans | 0.9708% | 4,652 |
| Net loans and leases to total assets | 56.0941% | 6,428 |
| Net loans and leases to deposits | 70.2129% | 6,249 |
| Net loans and leases to core deposits | 91.9381% | 5,646 |
| Total domestic deposits to total assets | 79.8914% | 5,062 |
| Equity capital to assets | 9.5102% | 4,678 |
| Core capital (leverage) ratio | 8.4342% | 5,691 |
| Tier 1 risk-based capital ratio | 13.0747% | 4,071 |
| Total risk-based capital ratio | 13.7542% | 4,334 |
| Memoranda: |
| Average total assets | $279,813,000 | 2,313 |
| Average earning assets | $255,265,000 | 2,325 |
| Average equity | $26,491,800 | 2,517 |
| Average total loans | $155,932,800 | 2,835 |
