| 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 | 5.4510% | 1,233 |
| Cost of funding earning assets | 2.2048% | 633 |
| Net interest margin | 3.2462% | 2,756 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.9059% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1433% | 4,216 |
| Return on assets (ROA) | 0.1433% | 4,240 |
| Pretax return on assets | 0.2023% | 4,192 |
| Return on Equity (ROE) | 0.7900% | 4,279 |
| Retained earnings to average equity (ytd only) | 0.7863% | 3,879 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.4925% | 315 |
| Assets per employee ($millions) | 5.3192% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3580% | 231 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.8900% | 3,046 |
| Net loans and leases to deposits | 78.0201% | 2,260 |
| Net loans and leases to core deposits | 83.4993% | 2,495 |
| Total domestic deposits to total assets | 74.2000% | 4,093 |
| Equity capital to assets | 18.2672% | 336 |
| Core capital (leverage) ratio | 21.0840% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1590% | 241 |
| Memoranda: |
| Average total assets | $157,714,600 | 3,298 |
| Average earning assets | $143,459,800 | 3,308 |
| Average equity | $28,741,800 | 2,332 |
| Average total loans | $91,882,000 | 3,264 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4355% | 1,091 |
| Cost of funding earning assets | 2.0490% | 647 |
| Net interest margin | 3.3865% | 2,482 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.8659% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2459% | 4,182 |
| Return on assets (ROA) | 0.2459% | 4,190 |
| Pretax return on assets | 0.3587% | 4,106 |
| Return on Equity (ROE) | 1.3500% | 4,277 |
| Retained earnings to average equity (ytd only) | 1.3501% | 3,878 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.8772% | 414 |
| Assets per employee ($millions) | 5.0483% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4983% | 197 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.6600% | 3,231 |
| Net loans and leases to deposits | 75.2941% | 2,474 |
| Net loans and leases to core deposits | 80.4578% | 2,564 |
| Total domestic deposits to total assets | 73.9300% | 4,164 |
| Equity capital to assets | 17.9710% | 344 |
| Core capital (leverage) ratio | 20.8519% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2297% | 228 |
| Memoranda: |
| Average total assets | $157,249,250 | 3,309 |
| Average earning assets | $143,154,500 | 3,317 |
| Average equity | $28,639,750 | 2,315 |
| Average total loans | $91,199,250 | 3,278 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4599% | 885 |
| Cost of funding earning assets | 1.8366% | 693 |
| Net interest margin | 3.6233% | 1,982 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.8876% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4013% | 4,001 |
| Return on assets (ROA) | 0.4013% | 4,010 |
| Pretax return on assets | 0.5702% | 3,849 |
| Return on Equity (ROE) | 2.1900% | 4,246 |
| Retained earnings to average equity (ytd only) | 2.1936% | 3,674 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.5108% | 624 |
| Assets per employee ($millions) | 5.1236% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4364% | 237 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.2700% | 3,102 |
| Net loans and leases to deposits | 74.0483% | 2,484 |
| Net loans and leases to core deposits | 79.1073% | 2,535 |
| Total domestic deposits to total assets | 75.9900% | 4,041 |
| Equity capital to assets | 18.1688% | 338 |
| Core capital (leverage) ratio | 20.9231% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1419% | 205 |
| Memoranda: |
| Average total assets | $157,500,000 | 3,321 |
| Average earning assets | $144,068,000 | 3,322 |
| Average equity | $28,811,667 | 2,320 |
| Average total loans | $91,818,333 | 3,274 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5449% | 578 |
| Cost of funding earning assets | 1.4680% | 899 |
| Net interest margin | 4.0769% | 1,133 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.8310% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7600% | 3,322 |
| Return on assets (ROA) | 0.7600% | 3,271 |
| Pretax return on assets | 1.0712% | 2,794 |
| Return on Equity (ROE) | 4.1400% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.1405% | 3,231 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.5490% | 1,491 |
| Assets per employee ($millions) | 5.4218% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4431% | 233 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.8000% | 3,137 |
| Net loans and leases to deposits | 71.7066% | 2,494 |
| Net loans and leases to core deposits | 76.6651% | 2,483 |
| Total domestic deposits to total assets | 76.4200% | 4,135 |
| Equity capital to assets | 17.8755% | 307 |
| Core capital (leverage) ratio | 22.2774% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8508% | 219 |
| Memoranda: |
| Average total assets | $156,833,500 | 3,365 |
| Average earning assets | $143,050,500 | 3,374 |
| Average equity | $28,788,500 | 2,344 |
| Average total loans | $91,923,000 | 3,304 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1058% | 1,463 |
| Cost of funding earning assets | 0.5888% | 943 |
| Net interest margin | 3.5169% | 1,876 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.9251% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2828% | 4,380 |
| Return on assets (ROA) | 0.2828% | 4,354 |
| Pretax return on assets | 0.4716% | 4,209 |
| Return on Equity (ROE) | 1.4300% | 4,444 |
| Retained earnings to average equity (ytd only) | 1.4284% | 4,119 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.1154% | 416 |
| Assets per employee ($millions) | 5.0338% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4133% | 226 |
| Loan loss allowance to noncurrent loans | 82.6973% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.7873% | 148 |
| Noncurrent loans to loans | 2.9182% | 148 |
| Net loans and leases to total assets | 59.7700% | 2,653 |
| Net loans and leases to deposits | 79.6525% | 1,796 |
| Net loans and leases to core deposits | 83.5872% | 1,898 |
| Total domestic deposits to total assets | 75.0300% | 4,314 |
| Equity capital to assets | 18.8737% | 255 |
| Core capital (leverage) ratio | 22.3792% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7613% | 216 |
| Memoranda: |
| Average total assets | $154,149,800 | 3,403 |
| Average earning assets | $143,335,200 | 3,391 |
| Average equity | $30,522,800 | 2,314 |
| Average total loans | $91,388,200 | 3,273 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9968% | 1,272 |
| Cost of funding earning assets | 0.5242% | 664 |
| Net interest margin | 3.4726% | 1,742 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.9526% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2470% | 4,433 |
| Return on assets (ROA) | 0.2470% | 4,398 |
| Pretax return on assets | 0.4131% | 4,259 |
| Return on Equity (ROE) | 1.2300% | 4,477 |
| Retained earnings to average equity (ytd only) | 1.2333% | 4,183 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.7269% | 394 |
| Assets per employee ($millions) | 5.3112% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4279% | 248 |
| Loan loss allowance to noncurrent loans | 82.7714% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8149% | 156 |
| Noncurrent loans to loans | 2.9332% | 164 |
| Net loans and leases to total assets | 60.3700% | 2,461 |
| Net loans and leases to deposits | 75.7953% | 1,891 |
| Net loans and leases to core deposits | 78.3176% | 2,016 |
| Total domestic deposits to total assets | 79.6500% | 4,130 |
| Equity capital to assets | 19.3593% | 233 |
| Core capital (leverage) ratio | 21.9697% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1018% | 219 |
| Memoranda: |
| Average total assets | $154,933,750 | 3,421 |
| Average earning assets | $144,478,500 | 3,409 |
| Average equity | $31,028,000 | 2,319 |
| Average total loans | $91,113,500 | 3,279 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9521% | 1,020 |
| Cost of funding earning assets | 0.4899% | 546 |
| Net interest margin | 3.4622% | 1,415 |
| Noninterest income to average assets | 0.1210% | 4,394 |
| Noninterest expense to average assets | 2.9387% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2701% | 4,339 |
| Return on assets (ROA) | 0.2701% | 4,291 |
| Pretax return on assets | 0.4229% | 4,123 |
| Return on Equity (ROE) | 1.3344% | 4,421 |
| Retained earnings to average equity (ytd only) | 1.3344% | 3,917 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4195% | 516 |
| Assets per employee ($millions) | 5.1074% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4832% | 267 |
| Loan loss allowance to noncurrent loans | 82.7714% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.7615% | 182 |
| Noncurrent loans to loans | 3.0001% | 169 |
| Net loans and leases to total assets | 57.2571% | 2,606 |
| Net loans and leases to deposits | 71.7460% | 2,046 |
| Net loans and leases to core deposits | 73.7452% | 2,194 |
| Total domestic deposits to total assets | 79.8053% | 4,243 |
| Equity capital to assets | 19.0781% | 189 |
| Core capital (leverage) ratio | 21.2949% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6127% | 184 |
| Memoranda: |
| Average total assets | $157,007,000 | 3,442 |
| Average earning assets | $146,960,000 | 3,427 |
| Average equity | $31,774,000 | 2,324 |
| Average total loans | $90,813,000 | 3,316 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7593% | 1,162 |
| Cost of funding earning assets | 0.4709% | 581 |
| Net interest margin | 3.2884% | 1,594 |
| Noninterest income to average assets | 0.1158% | 4,426 |
| Noninterest expense to average assets | 2.9251% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1989% | 4,337 |
| Return on assets (ROA) | 0.1989% | 4,303 |
| Pretax return on assets | 0.2845% | 4,207 |
| Return on Equity (ROE) | 0.9563% | 4,431 |
| Retained earnings to average equity (ytd only) | 0.9563% | 3,831 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1373% | 500 |
| Assets per employee ($millions) | 5.4323% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4797% | 292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 55.6444% | 2,559 |
| Net loans and leases to deposits | 70.9453% | 1,870 |
| Net loans and leases to core deposits | 72.9151% | 2,030 |
| Total domestic deposits to total assets | 78.4329% | 4,378 |
| Equity capital to assets | 20.4201% | 152 |
| Core capital (leverage) ratio | 21.5731% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1923% | 172 |
| Memoranda: |
| Average total assets | $158,899,000 | 3,430 |
| Average earning assets | $149,494,500 | 3,411 |
| Average equity | $33,045,000 | 2,330 |
| Average total loans | $91,237,000 | 3,315 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7698% | 1,941 |
| Cost of funding earning assets | 0.6495% | 422 |
| Net interest margin | 3.1203% | 2,841 |
| Noninterest income to average assets | 0.0941% | 4,631 |
| Noninterest expense to average assets | 2.8179% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1251% | 4,605 |
| Return on assets (ROA) | 0.1251% | 4,615 |
| Pretax return on assets | 0.2290% | 4,546 |
| Return on Equity (ROE) | 0.6070% | 4,645 |
| Retained earnings to average equity (ytd only) | 0.6070% | 4,349 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4855% | 260 |
| Assets per employee ($millions) | 5.5263% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4129% | 315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.3771% | 2,555 |
| Net loans and leases to deposits | 72.7610% | 1,832 |
| Net loans and leases to core deposits | 74.7073% | 2,020 |
| Total domestic deposits to total assets | 77.4825% | 4,436 |
| Equity capital to assets | 21.1660% | 149 |
| Core capital (leverage) ratio | 20.4450% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5226% | 192 |
| Memoranda: |
| Average total assets | $164,660,200 | 3,350 |
| Average earning assets | $155,818,000 | 3,319 |
| Average equity | $33,935,000 | 2,334 |
| Average total loans | $97,744,200 | 3,229 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7421% | 2,167 |
| Cost of funding earning assets | 0.6840% | 417 |
| Net interest margin | 3.0581% | 3,152 |
| Noninterest income to average assets | 0.0837% | 4,727 |
| Noninterest expense to average assets | 2.9166% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0442% | 4,723 |
| Return on assets (ROA) | 0.0442% | 4,737 |
| Pretax return on assets | 0.0619% | 4,730 |
| Return on Equity (ROE) | 0.2161% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.2161% | 4,532 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9206% | 174 |
| Assets per employee ($millions) | 5.7699% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3236% | 376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 56.1233% | 2,718 |
| Net loans and leases to deposits | 71.9005% | 2,063 |
| Net loans and leases to core deposits | 74.0574% | 2,238 |
| Total domestic deposits to total assets | 78.0569% | 4,422 |
| Equity capital to assets | 20.3552% | 180 |
| Core capital (leverage) ratio | 20.1510% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4741% | 224 |
| Memoranda: |
| Average total assets | $165,759,750 | 3,368 |
| Average earning assets | $156,915,000 | 3,341 |
| Average equity | $33,938,500 | 2,367 |
| Average total loans | $99,034,000 | 3,254 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6860% | 2,377 |
| Cost of funding earning assets | 0.7185% | 420 |
| Net interest margin | 2.9675% | 3,402 |
| Noninterest income to average assets | 0.0545% | 4,829 |
| Noninterest expense to average assets | 3.0090% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1452% | 4,816 |
| Return on assets (ROA) | -0.1452% | 4,824 |
| Pretax return on assets | -0.1452% | 4,819 |
| Return on Equity (ROE) | -0.7080% | 4,811 |
| Retained earnings to average equity (ytd only) | -0.7080% | 4,582 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0719% | 124 |
| Assets per employee ($millions) | 5.6508% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2881% | 371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.2770% | 2,867 |
| Net loans and leases to deposits | 71.8726% | 2,218 |
| Net loans and leases to core deposits | 73.9925% | 2,409 |
| Total domestic deposits to total assets | 78.3010% | 4,410 |
| Equity capital to assets | 19.9907% | 189 |
| Core capital (leverage) ratio | 20.0023% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0321% | 226 |
| Memoranda: |
| Average total assets | $165,237,000 | 3,381 |
| Average earning assets | $156,430,000 | 3,349 |
| Average equity | $33,898,000 | 2,361 |
| Average total loans | $99,997,333 | 3,254 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7056% | 2,345 |
| Cost of funding earning assets | 0.7624% | 424 |
| Net interest margin | 2.9432% | 3,398 |
| Noninterest income to average assets | 0.0957% | 4,704 |
| Noninterest expense to average assets | 3.1834% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.3041% | 4,864 |
| Return on assets (ROA) | -0.3041% | 4,868 |
| Pretax return on assets | -0.3041% | 4,855 |
| Return on Equity (ROE) | -1.4630% | 4,845 |
| Retained earnings to average equity (ytd only) | -1.4630% | 4,506 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5622% | 109 |
| Assets per employee ($millions) | 5.4613% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2565% | 389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.0651% | 2,665 |
| Net loans and leases to deposits | 76.1970% | 1,887 |
| Net loans and leases to core deposits | 78.7281% | 2,118 |
| Total domestic deposits to total assets | 77.5162% | 4,479 |
| Equity capital to assets | 20.5722% | 163 |
| Core capital (leverage) ratio | 20.7468% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9226% | 220 |
| Memoranda: |
| Average total assets | $163,093,500 | 3,402 |
| Average earning assets | $154,255,000 | 3,371 |
| Average equity | $33,902,500 | 2,354 |
| Average total loans | $101,177,500 | 3,244 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0822% | 2,475 |
| Cost of funding earning assets | 1.0893% | 416 |
| Net interest margin | 2.9928% | 3,904 |
| Noninterest income to average assets | 0.0214% | 4,916 |
| Noninterest expense to average assets | 2.9339% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.0826% | 4,776 |
| Return on assets (ROA) | -0.0826% | 4,802 |
| Pretax return on assets | -0.0826% | 4,791 |
| Return on Equity (ROE) | -0.4100% | 4,790 |
| Retained earnings to average equity (ytd only) | -0.4100% | 4,579 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8958% | 150 |
| Assets per employee ($millions) | 5.4116% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1616% | 441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 62.2831% | 2,570 |
| Net loans and leases to deposits | 81.0108% | 1,764 |
| Net loans and leases to core deposits | 83.7192% | 2,064 |
| Total domestic deposits to total assets | 76.8825% | 4,426 |
| Equity capital to assets | 21.0041% | 167 |
| Core capital (leverage) ratio | 20.9313% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2532% | 242 |
| Memoranda: |
| Average total assets | $168,345,200 | 3,207 |
| Average earning assets | $159,179,800 | 3,177 |
| Average equity | $33,906,200 | 2,294 |
| Average total loans | $106,128,000 | 3,149 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1330% | 2,578 |
| Cost of funding earning assets | 1.1316% | 473 |
| Net interest margin | 3.0013% | 3,973 |
| Noninterest income to average assets | 0.0212% | 4,950 |
| Noninterest expense to average assets | 2.9980% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.1389% | 4,823 |
| Return on assets (ROA) | -0.1389% | 4,834 |
| Pretax return on assets | -0.1389% | 4,826 |
| Return on Equity (ROE) | -0.6970% | 4,823 |
| Retained earnings to average equity (ytd only) | -0.6970% | 4,579 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8600% | 133 |
| Assets per employee ($millions) | 5.2870% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1322% | 394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.6481% | 2,682 |
| Net loans and leases to deposits | 85.0875% | 1,801 |
| Net loans and leases to core deposits | 88.2633% | 2,121 |
| Total domestic deposits to total assets | 75.9783% | 4,427 |
| Equity capital to assets | 21.6019% | 154 |
| Core capital (leverage) ratio | 20.8533% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9560% | 259 |
| Memoranda: |
| Average total assets | $169,844,250 | 3,178 |
| Average earning assets | $160,591,250 | 3,146 |
| Average equity | $33,857,750 | 2,287 |
| Average total loans | $106,822,500 | 3,141 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1623% | 2,874 |
| Cost of funding earning assets | 1.1673% | 569 |
| Net interest margin | 2.9950% | 4,134 |
| Noninterest income to average assets | 0.0242% | 4,968 |
| Noninterest expense to average assets | 2.9841% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1279% | 4,838 |
| Return on assets (ROA) | -0.1279% | 4,846 |
| Pretax return on assets | -0.1279% | 4,831 |
| Return on Equity (ROE) | -0.6583% | 4,831 |
| Retained earnings to average equity (ytd only) | -0.6583% | 4,428 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4776% | 141 |
| Assets per employee ($millions) | 5.7990% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0993% | 377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 59.8848% | 3,341 |
| Net loans and leases to deposits | 76.6493% | 2,792 |
| Net loans and leases to core deposits | 79.1709% | 3,013 |
| Total domestic deposits to total assets | 78.1283% | 4,176 |
| Equity capital to assets | 19.4690% | 229 |
| Core capital (leverage) ratio | 19.6415% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6880% | 287 |
| Memoranda: |
| Average total assets | $173,588,667 | 3,130 |
| Average earning assets | $164,138,333 | 3,096 |
| Average equity | $33,722,667 | 2,274 |
| Average total loans | $107,505,667 | 3,133 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3483% | 2,780 |
| Cost of funding earning assets | 1.2403% | 675 |
| Net interest margin | 3.1080% | 4,079 |
| Noninterest income to average assets | 0.0300% | 5,001 |
| Noninterest expense to average assets | 2.9873% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0369% | 4,769 |
| Return on assets (ROA) | -0.0369% | 4,759 |
| Pretax return on assets | -0.0208% | 4,743 |
| Return on Equity (ROE) | -0.1902% | 4,756 |
| Retained earnings to average equity (ytd only) | -0.1902% | 4,024 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6998% | 226 |
| Assets per employee ($millions) | 5.3521% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0826% | 444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 61.3300% | 3,368 |
| Net loans and leases to deposits | 78.7899% | 2,799 |
| Net loans and leases to core deposits | 81.4191% | 3,071 |
| Total domestic deposits to total assets | 77.8399% | 4,242 |
| Equity capital to assets | 19.5391% | 269 |
| Core capital (leverage) ratio | 19.5431% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3599% | 321 |
| Memoranda: |
| Average total assets | $173,398,500 | 3,103 |
| Average earning assets | $163,834,500 | 3,071 |
| Average equity | $33,649,000 | 2,265 |
| Average total loans | $108,051,000 | 3,108 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5780% | 2,690 |
| Cost of funding earning assets | 1.1569% | 1,136 |
| Net interest margin | 3.4211% | 3,678 |
| Noninterest income to average assets | 0.0416% | 5,053 |
| Noninterest expense to average assets | 2.8292% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3232% | 4,720 |
| Return on assets (ROA) | 0.3232% | 4,747 |
| Pretax return on assets | 0.4550% | 4,637 |
| Return on Equity (ROE) | 1.7924% | 4,819 |
| Retained earnings to average equity (ytd only) | 1.7924% | 4,087 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1449% | 532 |
| Assets per employee ($millions) | 5.4853% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0527% | 424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 60.7281% | 3,530 |
| Net loans and leases to deposits | 77.9342% | 3,015 |
| Net loans and leases to core deposits | 80.3056% | 3,273 |
| Total domestic deposits to total assets | 77.9223% | 4,374 |
| Equity capital to assets | 19.2753% | 283 |
| Core capital (leverage) ratio | 19.2673% | 267 |
| Tier 1 risk-based capital ratio | 27.6908% | 580 |
| Total risk-based capital ratio | 28.9484% | 565 |
| Memoranda: |
| Average total assets | $182,844,000 | 2,983 |
| Average earning assets | $173,308,800 | 2,947 |
| Average equity | $32,972,000 | 2,240 |
| Average total loans | $113,273,200 | 3,032 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6185% | 2,664 |
| Cost of funding earning assets | 1.1312% | 1,236 |
| Net interest margin | 3.4873% | 3,600 |
| Noninterest income to average assets | 0.0419% | 5,129 |
| Noninterest expense to average assets | 2.8309% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3704% | 4,771 |
| Return on assets (ROA) | 0.3704% | 4,792 |
| Pretax return on assets | 0.5205% | 4,670 |
| Return on Equity (ROE) | 2.0881% | 4,888 |
| Retained earnings to average equity (ytd only) | 2.0881% | 4,241 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4679% | 580 |
| Assets per employee ($millions) | 5.3894% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0033% | 467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 61.4469% | 3,546 |
| Net loans and leases to deposits | 78.7213% | 3,033 |
| Net loans and leases to core deposits | 80.5335% | 3,350 |
| Total domestic deposits to total assets | 78.0564% | 4,332 |
| Equity capital to assets | 18.9563% | 315 |
| Core capital (leverage) ratio | 19.2390% | 277 |
| Tier 1 risk-based capital ratio | 26.5728% | 672 |
| Total risk-based capital ratio | 27.8289% | 658 |
| Memoranda: |
| Average total assets | $184,672,500 | 2,997 |
| Average earning assets | $175,261,250 | 2,957 |
| Average equity | $32,756,500 | 2,269 |
| Average total loans | $114,384,000 | 3,054 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6517% | 2,514 |
| Cost of funding earning assets | 1.1009% | 1,300 |
| Net interest margin | 3.5507% | 3,432 |
| Noninterest income to average assets | 0.0428% | 5,181 |
| Noninterest expense to average assets | 2.8094% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4322% | 4,669 |
| Return on assets (ROA) | 0.4322% | 4,694 |
| Pretax return on assets | 0.6045% | 4,537 |
| Return on Equity (ROE) | 2.4910% | 4,875 |
| Retained earnings to average equity (ytd only) | 2.4910% | 3,947 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2940% | 782 |
| Assets per employee ($millions) | 5.4053% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9747% | 497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 62.1427% | 3,532 |
| Net loans and leases to deposits | 79.5652% | 3,001 |
| Net loans and leases to core deposits | 81.2238% | 3,316 |
| Total domestic deposits to total assets | 78.1029% | 4,377 |
| Equity capital to assets | 18.7577% | 308 |
| Core capital (leverage) ratio | 17.4953% | 383 |
| Tier 1 risk-based capital ratio | 26.2174% | 670 |
| Total risk-based capital ratio | 27.4733% | 658 |
| Memoranda: |
| Average total assets | $186,946,330 | 2,977 |
| Average earning assets | $177,483,670 | 2,944 |
| Average equity | $32,437,330 | 2,277 |
| Average total loans | $115,339,330 | 3,044 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5642% | 2,652 |
| Cost of funding earning assets | 1.0397% | 1,412 |
| Net interest margin | 3.5245% | 3,520 |
| Noninterest income to average assets | 0.0418% | 5,231 |
| Noninterest expense to average assets | 2.7736% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4434% | 4,648 |
| Return on assets (ROA) | 0.4434% | 4,667 |
| Pretax return on assets | 0.6150% | 4,484 |
| Return on Equity (ROE) | 2.6561% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.6561% | 3,870 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8519% | 887 |
| Assets per employee ($millions) | 5.5066% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9296% | 566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.8860% | 3,799 |
| Net loans and leases to deposits | 73.3999% | 3,495 |
| Net loans and leases to core deposits | 74.7729% | 3,750 |
| Total domestic deposits to total assets | 80.2262% | 4,134 |
| Equity capital to assets | 16.7348% | 477 |
| Core capital (leverage) ratio | 17.4388% | 381 |
| Tier 1 risk-based capital ratio | 24.8885% | 765 |
| Total risk-based capital ratio | 26.1434% | 755 |
| Memoranda: |
| Average total assets | $191,232,000 | 2,984 |
| Average earning assets | $181,586,500 | 2,935 |
| Average equity | $31,926,500 | 2,301 |
| Average total loans | $116,469,000 | 3,055 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4902% | 2,488 |
| Cost of funding earning assets | 0.9353% | 980 |
| Net interest margin | 3.5549% | 3,528 |
| Noninterest income to average assets | 0.1016% | 5,144 |
| Noninterest expense to average assets | 2.7429% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5545% | 4,538 |
| Return on assets (ROA) | 0.5545% | 4,534 |
| Pretax return on assets | 0.7182% | 4,367 |
| Return on Equity (ROE) | 3.3234% | 4,850 |
| Retained earnings to average equity (ytd only) | 3.3234% | 3,747 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2501% | 1,018 |
| Assets per employee ($millions) | 5.4210% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9042% | 569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.6017% | 3,703 |
| Net loans and leases to deposits | 75.6645% | 3,373 |
| Net loans and leases to core deposits | 76.5796% | 3,674 |
| Total domestic deposits to total assets | 80.0927% | 4,084 |
| Equity capital to assets | 16.6549% | 450 |
| Core capital (leverage) ratio | 16.9692% | 409 |
| Tier 1 risk-based capital ratio | 24.3881% | 788 |
| Total risk-based capital ratio | 25.6431% | 767 |
| Memoranda: |
| Average total assets | $191,880,600 | 2,945 |
| Average earning assets | $181,328,800 | 2,903 |
| Average equity | $32,015,600 | 2,219 |
| Average total loans | $116,894,400 | 3,027 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4510% | 2,460 |
| Cost of funding earning assets | 0.9149% | 864 |
| Net interest margin | 3.5362% | 3,574 |
| Noninterest income to average assets | 0.1171% | 5,148 |
| Noninterest expense to average assets | 2.7017% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5841% | 4,543 |
| Return on assets (ROA) | 0.5841% | 4,555 |
| Pretax return on assets | 0.7553% | 4,416 |
| Return on Equity (ROE) | 3.4993% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.4993% | 4,021 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1519% | 1,105 |
| Assets per employee ($millions) | 5.4512% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9535% | 530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.7165% | 3,969 |
| Net loans and leases to deposits | 73.4517% | 3,648 |
| Net loans and leases to core deposits | 74.3353% | 3,924 |
| Total domestic deposits to total assets | 79.9390% | 4,136 |
| Equity capital to assets | 16.3879% | 473 |
| Core capital (leverage) ratio | 17.2015% | 395 |
| Tier 1 risk-based capital ratio | 24.4194% | 803 |
| Total risk-based capital ratio | 25.6742% | 781 |
| Memoranda: |
| Average total assets | $192,417,250 | 2,966 |
| Average earning assets | $181,737,000 | 2,927 |
| Average equity | $32,119,500 | 2,210 |
| Average total loans | $116,814,500 | 3,055 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4353% | 2,303 |
| Cost of funding earning assets | 0.8864% | 770 |
| Net interest margin | 3.5489% | 3,473 |
| Noninterest income to average assets | 0.1306% | 5,155 |
| Noninterest expense to average assets | 2.6866% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6105% | 4,465 |
| Return on assets (ROA) | 0.6105% | 4,470 |
| Pretax return on assets | 0.7929% | 4,267 |
| Return on Equity (ROE) | 3.6354% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.6354% | 3,778 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2118% | 1,284 |
| Assets per employee ($millions) | 5.8417% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9380% | 585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 58.5583% | 3,946 |
| Net loans and leases to deposits | 73.8301% | 3,556 |
| Net loans and leases to core deposits | 75.0558% | 3,808 |
| Total domestic deposits to total assets | 79.3150% | 4,372 |
| Equity capital to assets | 16.7593% | 424 |
| Core capital (leverage) ratio | 17.1885% | 374 |
| Tier 1 risk-based capital ratio | 24.2233% | 814 |
| Total risk-based capital ratio | 25.4779% | 787 |
| Memoranda: |
| Average total assets | $192,958,670 | 2,975 |
| Average earning assets | $182,086,000 | 2,936 |
| Average equity | $32,403,670 | 2,202 |
| Average total loans | $117,666,330 | 3,065 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4320% | 2,086 |
| Cost of funding earning assets | 0.8469% | 777 |
| Net interest margin | 3.5851% | 3,240 |
| Noninterest income to average assets | 0.0477% | 5,478 |
| Noninterest expense to average assets | 2.6853% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5698% | 4,515 |
| Return on assets (ROA) | 0.5698% | 4,518 |
| Pretax return on assets | 0.7480% | 4,302 |
| Return on Equity (ROE) | 3.3897% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.3897% | 3,852 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2136% | 1,333 |
| Assets per employee ($millions) | 5.8448% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8692% | 697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.6427% | 3,687 |
| Net loans and leases to deposits | 76.6268% | 3,147 |
| Net loans and leases to core deposits | 77.8918% | 3,497 |
| Total domestic deposits to total assets | 79.1403% | 4,561 |
| Equity capital to assets | 16.6840% | 423 |
| Core capital (leverage) ratio | 17.0825% | 376 |
| Tier 1 risk-based capital ratio | 22.9465% | 949 |
| Total risk-based capital ratio | 24.2004% | 927 |
| Memoranda: |
| Average total assets | $193,049,500 | 3,003 |
| Average earning assets | $182,310,500 | 2,972 |
| Average equity | $32,451,500 | 2,210 |
| Average total loans | $118,940,500 | 3,078 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3677% | 2,122 |
| Cost of funding earning assets | 0.7395% | 853 |
| Net interest margin | 3.6281% | 3,071 |
| Noninterest income to average assets | 0.1082% | 5,382 |
| Noninterest expense to average assets | 2.7734% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5441% | 4,246 |
| Return on assets (ROA) | 0.5441% | 4,279 |
| Pretax return on assets | 0.7663% | 4,344 |
| Return on Equity (ROE) | 3.1955% | 4,776 |
| Retained earnings to average equity (ytd only) | 3.1955% | 3,389 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3521% | 1,302 |
| Assets per employee ($millions) | 5.6829% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8772% | 679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 60.2722% | 3,801 |
| Net loans and leases to deposits | 76.5049% | 3,280 |
| Net loans and leases to core deposits | 77.7714% | 3,607 |
| Total domestic deposits to total assets | 78.7822% | 4,581 |
| Equity capital to assets | 16.9356% | 406 |
| Core capital (leverage) ratio | 17.1779% | 359 |
| Tier 1 risk-based capital ratio | 22.5466% | 956 |
| Total risk-based capital ratio | 23.7999% | 938 |
| Memoranda: |
| Average total assets | $188,576,600 | 3,035 |
| Average earning assets | $178,355,600 | 2,979 |
| Average equity | $32,107,600 | 2,213 |
| Average total loans | $111,744,800 | 3,150 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3489% | 2,111 |
| Cost of funding earning assets | 0.7356% | 819 |
| Net interest margin | 3.6133% | 3,100 |
| Noninterest income to average assets | 0.1252% | 5,378 |
| Noninterest expense to average assets | 2.8037% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5257% | 4,660 |
| Return on assets (ROA) | 0.5257% | 4,693 |
| Pretax return on assets | 0.7392% | 4,514 |
| Return on Equity (ROE) | 3.0836% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.0836% | 4,072 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1365% | 1,199 |
| Assets per employee ($millions) | 5.4142% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9272% | 665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 59.8043% | 3,889 |
| Net loans and leases to deposits | 73.8996% | 3,585 |
| Net loans and leases to core deposits | 74.9648% | 3,889 |
| Total domestic deposits to total assets | 80.9264% | 4,067 |
| Equity capital to assets | 17.1590% | 411 |
| Core capital (leverage) ratio | 17.2665% | 359 |
| Tier 1 risk-based capital ratio | 22.7596% | 968 |
| Total risk-based capital ratio | 24.0135% | 953 |
| Memoranda: |
| Average total assets | $187,415,750 | 3,076 |
| Average earning assets | $177,266,000 | 3,015 |
| Average equity | $31,953,750 | 2,237 |
| Average total loans | $110,009,500 | 3,207 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2892% | 2,171 |
| Cost of funding earning assets | 0.7252% | 782 |
| Net interest margin | 3.5639% | 3,171 |
| Noninterest income to average assets | 0.1339% | 5,382 |
| Noninterest expense to average assets | 2.8106% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4916% | 4,727 |
| Return on assets (ROA) | 0.4916% | 4,762 |
| Pretax return on assets | 0.6919% | 4,572 |
| Return on Equity (ROE) | 2.8899% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.8899% | 3,988 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2446% | 1,187 |
| Assets per employee ($millions) | 5.3318% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9749% | 632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 59.2338% | 3,906 |
| Net loans and leases to deposits | 73.5165% | 3,595 |
| Net loans and leases to core deposits | 74.5463% | 3,896 |
| Total domestic deposits to total assets | 80.5721% | 4,292 |
| Equity capital to assets | 17.3144% | 382 |
| Core capital (leverage) ratio | 16.9803% | 372 |
| Tier 1 risk-based capital ratio | 22.6647% | 976 |
| Total risk-based capital ratio | 23.9186% | 961 |
| Memoranda: |
| Average total assets | $186,721,670 | 3,089 |
| Average earning assets | $176,491,330 | 3,035 |
| Average equity | $31,766,330 | 2,243 |
| Average total loans | $108,161,000 | 3,247 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2194% | 2,215 |
| Cost of funding earning assets | 0.7100% | 800 |
| Net interest margin | 3.5094% | 3,243 |
| Noninterest income to average assets | 0.1392% | 5,418 |
| Noninterest expense to average assets | 2.7948% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4712% | 4,701 |
| Return on assets (ROA) | 0.4712% | 4,726 |
| Pretax return on assets | 0.6575% | 4,572 |
| Return on Equity (ROE) | 2.7942% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.7942% | 4,012 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9553% | 1,262 |
| Assets per employee ($millions) | 5.3968% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1177% | 534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 54.4709% | 4,302 |
| Net loans and leases to deposits | 67.1959% | 4,070 |
| Net loans and leases to core deposits | 68.1325% | 4,291 |
| Total domestic deposits to total assets | 81.0629% | 4,404 |
| Equity capital to assets | 16.7565% | 404 |
| Core capital (leverage) ratio | 17.2376% | 348 |
| Tier 1 risk-based capital ratio | 23.6147% | 906 |
| Total risk-based capital ratio | 24.8698% | 887 |
| Memoranda: |
| Average total assets | $186,776,000 | 3,121 |
| Average earning assets | $176,327,000 | 3,066 |
| Average equity | $31,494,000 | 2,260 |
| Average total loans | $105,859,000 | 3,303 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3169% | 2,092 |
| Cost of funding earning assets | 0.6818% | 899 |
| Net interest margin | 3.6351% | 2,939 |
| Noninterest income to average assets | 0.1906% | 5,267 |
| Noninterest expense to average assets | 2.7194% | 3,279 |
| Loan and lease loss provision to assets | -0.0658% | 5,622 |
| Net operating income to assets | 0.5766% | 4,313 |
| Return on assets (ROA) | 0.5766% | 4,418 |
| Pretax return on assets | 0.9848% | 3,529 |
| Return on Equity (ROE) | 3.4460% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.4460% | 3,478 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7431% | 2,173 |
| Assets per employee ($millions) | 5.2761% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0853% | 563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.5243% | 4,216 |
| Net loans and leases to deposits | 70.0147% | 3,901 |
| Net loans and leases to core deposits | 70.9735% | 4,152 |
| Total domestic deposits to total assets | 80.7320% | 4,405 |
| Equity capital to assets | 16.9697% | 387 |
| Core capital (leverage) ratio | 16.9771% | 361 |
| Tier 1 risk-based capital ratio | 22.7894% | 985 |
| Total risk-based capital ratio | 24.0441% | 970 |
| Memoranda: |
| Average total assets | $189,892,200 | 3,060 |
| Average earning assets | $180,105,400 | 3,017 |
| Average equity | $31,775,800 | 2,237 |
| Average total loans | $107,880,200 | 3,242 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3023% | 2,153 |
| Cost of funding earning assets | 0.6723% | 938 |
| Net interest margin | 3.6300% | 2,965 |
| Noninterest income to average assets | 0.1897% | 5,324 |
| Noninterest expense to average assets | 2.6038% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5725% | 4,403 |
| Return on assets (ROA) | 0.5725% | 4,510 |
| Pretax return on assets | 1.0348% | 3,498 |
| Return on Equity (ROE) | 3.4330% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.4330% | 3,842 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5600% | 2,639 |
| Assets per employee ($millions) | 5.4310% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2114% | 505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 54.8095% | 4,421 |
| Net loans and leases to deposits | 68.0376% | 4,144 |
| Net loans and leases to core deposits | 69.2064% | 4,383 |
| Total domestic deposits to total assets | 80.5575% | 4,371 |
| Equity capital to assets | 17.1124% | 422 |
| Core capital (leverage) ratio | 16.7269% | 386 |
| Tier 1 risk-based capital ratio | 22.4328% | 1,071 |
| Total risk-based capital ratio | 23.6878% | 1,050 |
| Memoranda: |
| Average total assets | $191,199,250 | 3,063 |
| Average earning assets | $181,664,500 | 3,013 |
| Average equity | $31,885,500 | 2,248 |
| Average total loans | $108,199,500 | 3,249 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2906% | 2,182 |
| Cost of funding earning assets | 0.6651% | 961 |
| Net interest margin | 3.6255% | 2,991 |
| Noninterest income to average assets | 0.2213% | 5,166 |
| Noninterest expense to average assets | 2.5401% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5982% | 4,281 |
| Return on assets (ROA) | 0.5982% | 4,400 |
| Pretax return on assets | 1.1244% | 3,108 |
| Return on Equity (ROE) | 3.6184% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.6184% | 3,589 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3162% | 3,094 |
| Assets per employee ($millions) | 5.4043% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1993% | 543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 55.4118% | 4,367 |
| Net loans and leases to deposits | 68.8425% | 4,099 |
| Net loans and leases to core deposits | 70.2917% | 4,303 |
| Total domestic deposits to total assets | 80.4907% | 4,413 |
| Equity capital to assets | 17.0372% | 429 |
| Core capital (leverage) ratio | 16.4121% | 414 |
| Tier 1 risk-based capital ratio | 22.5701% | 1,070 |
| Total risk-based capital ratio | 23.8256% | 1,052 |
| Memoranda: |
| Average total assets | $191,571,000 | 3,072 |
| Average earning assets | $181,931,330 | 3,021 |
| Average equity | $31,671,330 | 2,261 |
| Average total loans | $108,752,670 | 3,256 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3378% | 2,005 |
| Cost of funding earning assets | 0.6472% | 1,071 |
| Net interest margin | 3.6906% | 2,706 |
| Noninterest income to average assets | 0.0934% | 5,845 |
| Noninterest expense to average assets | 2.5542% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5519% | 4,415 |
| Return on assets (ROA) | 0.5519% | 4,514 |
| Pretax return on assets | 1.0416% | 3,318 |
| Return on Equity (ROE) | 3.3892% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.3892% | 3,806 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0329% | 2,955 |
| Assets per employee ($millions) | 5.3547% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1171% | 668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.1444% | 4,028 |
| Net loans and leases to deposits | 72.3778% | 3,617 |
| Net loans and leases to core deposits | 74.1185% | 3,886 |
| Total domestic deposits to total assets | 80.3347% | 4,675 |
| Equity capital to assets | 16.9132% | 428 |
| Core capital (leverage) ratio | 16.0932% | 459 |
| Tier 1 risk-based capital ratio | 22.9355% | 1,020 |
| Total risk-based capital ratio | 24.1913% | 1,000 |
| Memoranda: |
| Average total assets | $192,781,000 | 3,068 |
| Average earning assets | $182,950,000 | 3,016 |
| Average equity | $31,394,000 | 2,281 |
| Average total loans | $109,544,500 | 3,245 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3054% | 2,216 |
| Cost of funding earning assets | 0.6232% | 1,214 |
| Net interest margin | 3.6822% | 2,816 |
| Noninterest income to average assets | 0.1310% | 5,760 |
| Noninterest expense to average assets | 2.5267% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5908% | 4,321 |
| Return on assets (ROA) | 0.5908% | 4,416 |
| Pretax return on assets | 1.0953% | 3,085 |
| Return on Equity (ROE) | 3.7394% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.7394% | 3,387 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7589% | 3,260 |
| Assets per employee ($millions) | 6.0044% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1873% | 605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.1946% | 4,574 |
| Net loans and leases to deposits | 65.1795% | 4,382 |
| Net loans and leases to core deposits | 66.6353% | 4,536 |
| Total domestic deposits to total assets | 81.6125% | 4,302 |
| Equity capital to assets | 15.6905% | 566 |
| Core capital (leverage) ratio | 15.5162% | 532 |
| Tier 1 risk-based capital ratio | 22.1188% | 1,128 |
| Total risk-based capital ratio | 23.3742% | 1,103 |
| Memoranda: |
| Average total assets | $194,644,200 | 2,998 |
| Average earning assets | $184,536,600 | 2,951 |
| Average equity | $30,753,400 | 2,265 |
| Average total loans | $105,667,000 | 3,287 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3258% | 2,152 |
| Cost of funding earning assets | 0.6265% | 1,234 |
| Net interest margin | 3.6993% | 2,772 |
| Noninterest income to average assets | 0.1459% | 5,751 |
| Noninterest expense to average assets | 2.4812% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5986% | 4,389 |
| Return on assets (ROA) | 0.5986% | 4,494 |
| Pretax return on assets | 1.1711% | 2,923 |
| Return on Equity (ROE) | 3.7822% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.7822% | 3,779 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9352% | 3,553 |
| Assets per employee ($millions) | 5.7594% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2521% | 612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.2199% | 4,734 |
| Net loans and leases to deposits | 64.3852% | 4,524 |
| Net loans and leases to core deposits | 65.8989% | 4,698 |
| Total domestic deposits to total assets | 81.1054% | 4,450 |
| Equity capital to assets | 15.8331% | 586 |
| Core capital (leverage) ratio | 15.4833% | 555 |
| Tier 1 risk-based capital ratio | 22.3779% | 1,143 |
| Total risk-based capital ratio | 23.6340% | 1,120 |
| Memoranda: |
| Average total assets | $193,768,750 | 3,030 |
| Average earning assets | $183,670,000 | 2,987 |
| Average equity | $30,669,250 | 2,288 |
| Average total loans | $105,143,750 | 3,321 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3542% | 2,000 |
| Cost of funding earning assets | 0.6223% | 1,277 |
| Net interest margin | 3.7319% | 2,570 |
| Noninterest income to average assets | 0.1647% | 5,716 |
| Noninterest expense to average assets | 2.5336% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6142% | 4,274 |
| Return on assets (ROA) | 0.6142% | 4,397 |
| Pretax return on assets | 1.1715% | 2,892 |
| Return on Equity (ROE) | 3.8812% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.8812% | 3,531 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3813% | 3,617 |
| Assets per employee ($millions) | 5.7218% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2839% | 646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 51.8587% | 4,766 |
| Net loans and leases to deposits | 64.1605% | 4,515 |
| Net loans and leases to core deposits | 65.6789% | 4,677 |
| Total domestic deposits to total assets | 80.8266% | 4,661 |
| Equity capital to assets | 15.7335% | 562 |
| Core capital (leverage) ratio | 15.5354% | 538 |
| Tier 1 risk-based capital ratio | 22.1447% | 1,185 |
| Total risk-based capital ratio | 23.4007% | 1,167 |
| Memoranda: |
| Average total assets | $193,085,670 | 3,063 |
| Average earning assets | $183,178,670 | 3,013 |
| Average equity | $30,557,670 | 2,300 |
| Average total loans | $105,321,000 | 3,341 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3496% | 1,940 |
| Cost of funding earning assets | 0.6095% | 1,369 |
| Net interest margin | 3.7401% | 2,467 |
| Noninterest income to average assets | 0.1788% | 5,645 |
| Noninterest expense to average assets | 2.5556% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6197% | 4,197 |
| Return on assets (ROA) | 0.6197% | 4,292 |
| Pretax return on assets | 1.1707% | 2,779 |
| Return on Equity (ROE) | 3.9040% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.9040% | 3,660 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5826% | 3,729 |
| Assets per employee ($millions) | 5.5903% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1687% | 837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.1564% | 4,424 |
| Net loans and leases to deposits | 67.1536% | 4,039 |
| Net loans and leases to core deposits | 68.7353% | 4,263 |
| Total domestic deposits to total assets | 80.6456% | 4,904 |
| Equity capital to assets | 15.7241% | 585 |
| Core capital (leverage) ratio | 15.4895% | 536 |
| Tier 1 risk-based capital ratio | 20.9831% | 1,429 |
| Total risk-based capital ratio | 22.2385% | 1,404 |
| Memoranda: |
| Average total assets | $192,358,500 | 3,088 |
| Average earning assets | $182,453,000 | 3,039 |
| Average equity | $30,532,500 | 2,320 |
| Average total loans | $106,359,500 | 3,334 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5143% | 1,808 |
| Cost of funding earning assets | 0.6566% | 1,366 |
| Net interest margin | 3.8576% | 2,404 |
| Noninterest income to average assets | 0.1261% | 6,063 |
| Noninterest expense to average assets | 2.5029% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6510% | 4,134 |
| Return on assets (ROA) | 0.6510% | 4,242 |
| Pretax return on assets | 1.2569% | 2,410 |
| Return on Equity (ROE) | 4.2912% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.2912% | 3,136 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5692% | 4,140 |
| Assets per employee ($millions) | 5.2516% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2498% | 773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 53.9829% | 4,583 |
| Net loans and leases to deposits | 67.4376% | 4,178 |
| Net loans and leases to core deposits | 69.0944% | 4,403 |
| Total domestic deposits to total assets | 80.0488% | 5,003 |
| Equity capital to assets | 16.0265% | 529 |
| Core capital (leverage) ratio | 15.3981% | 547 |
| Tier 1 risk-based capital ratio | 21.0759% | 1,387 |
| Total risk-based capital ratio | 22.3311% | 1,358 |
| Memoranda: |
| Average total assets | $191,101,800 | 3,091 |
| Average earning assets | $180,006,200 | 3,045 |
| Average equity | $28,989,800 | 2,346 |
| Average total loans | $105,912,800 | 3,302 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5325% | 1,762 |
| Cost of funding earning assets | 0.6655% | 1,352 |
| Net interest margin | 3.8671% | 2,363 |
| Noninterest income to average assets | 0.1350% | 6,098 |
| Noninterest expense to average assets | 2.5655% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6478% | 4,225 |
| Return on assets (ROA) | 0.6478% | 4,319 |
| Pretax return on assets | 1.2087% | 2,742 |
| Return on Equity (ROE) | 4.3307% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.3307% | 3,568 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9757% | 3,859 |
| Assets per employee ($millions) | 5.3647% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2064% | 935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 53.7488% | 4,603 |
| Net loans and leases to deposits | 66.6568% | 4,265 |
| Net loans and leases to core deposits | 68.2459% | 4,486 |
| Total domestic deposits to total assets | 80.6351% | 4,931 |
| Equity capital to assets | 15.2137% | 693 |
| Core capital (leverage) ratio | 14.9185% | 633 |
| Tier 1 risk-based capital ratio | 20.6487% | 1,518 |
| Total risk-based capital ratio | 21.9037% | 1,485 |
| Memoranda: |
| Average total assets | $191,613,250 | 3,113 |
| Average earning assets | $180,321,000 | 3,053 |
| Average equity | $28,662,500 | 2,378 |
| Average total loans | $106,289,250 | 3,323 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5518% | 1,665 |
| Cost of funding earning assets | 0.6755% | 1,338 |
| Net interest margin | 3.8763% | 2,271 |
| Noninterest income to average assets | 0.1643% | 5,970 |
| Noninterest expense to average assets | 2.5902% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6530% | 4,079 |
| Return on assets (ROA) | 0.6530% | 4,177 |
| Pretax return on assets | 1.2192% | 2,576 |
| Return on Equity (ROE) | 4.3909% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.3909% | 3,383 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9945% | 4,010 |
| Assets per employee ($millions) | 5.5307% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1808% | 1,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.7844% | 4,665 |
| Net loans and leases to deposits | 65.1554% | 4,363 |
| Net loans and leases to core deposits | 66.6525% | 4,579 |
| Total domestic deposits to total assets | 81.0131% | 4,977 |
| Equity capital to assets | 14.6751% | 782 |
| Core capital (leverage) ratio | 14.7188% | 650 |
| Tier 1 risk-based capital ratio | 20.1344% | 1,653 |
| Total risk-based capital ratio | 21.3898% | 1,622 |
| Memoranda: |
| Average total assets | $191,108,330 | 3,136 |
| Average earning assets | $179,708,330 | 3,086 |
| Average equity | $28,422,670 | 2,380 |
| Average total loans | $106,337,000 | 3,327 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6330% | 1,416 |
| Cost of funding earning assets | 0.6798% | 1,361 |
| Net interest margin | 3.9532% | 1,918 |
| Noninterest income to average assets | 0.1518% | 6,065 |
| Noninterest expense to average assets | 2.6680% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6349% | 4,025 |
| Return on assets (ROA) | 0.6349% | 4,114 |
| Pretax return on assets | 1.1886% | 2,534 |
| Return on Equity (ROE) | 4.2391% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.2391% | 3,589 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1796% | 3,970 |
| Assets per employee ($millions) | 5.2544% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2287% | 1,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.4296% | 4,363 |
| Net loans and leases to deposits | 67.9261% | 3,864 |
| Net loans and leases to core deposits | 69.1413% | 4,188 |
| Total domestic deposits to total assets | 80.1306% | 5,459 |
| Equity capital to assets | 15.0455% | 663 |
| Core capital (leverage) ratio | 14.9961% | 607 |
| Tier 1 risk-based capital ratio | 20.1414% | 1,687 |
| Total risk-based capital ratio | 21.3968% | 1,655 |
| Memoranda: |
| Average total assets | $187,109,500 | 3,207 |
| Average earning assets | $175,352,000 | 3,156 |
| Average equity | $28,024,500 | 2,407 |
| Average total loans | $105,785,500 | 3,350 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6576% | 1,695 |
| Cost of funding earning assets | 0.7629% | 1,421 |
| Net interest margin | 3.8947% | 2,304 |
| Noninterest income to average assets | 0.1916% | 5,946 |
| Noninterest expense to average assets | 2.5932% | 4,490 |
| Loan and lease loss provision to assets | -0.1214% | 6,514 |
| Net operating income to assets | 0.7129% | 3,735 |
| Return on assets (ROA) | 0.7129% | 3,820 |
| Pretax return on assets | 1.3916% | 1,814 |
| Return on Equity (ROE) | 4.8244% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.8244% | 2,713 |
| Net charge-offs to loans | 0.1786% | 3,039 |
| Credit loss provision to net charge-offs | -117.3469% | 5,903 |
| Earnings coverage of net charge-offs (x) | 12.2806% | 2,139 |
| Efficiency ratio | 67.1220% | 4,352 |
| Assets per employee ($millions) | 5.1405% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1926% | 1,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 56.1632% | 4,294 |
| Net loans and leases to deposits | 68.6788% | 3,953 |
| Net loans and leases to core deposits | 70.1950% | 4,270 |
| Total domestic deposits to total assets | 81.7766% | 4,949 |
| Equity capital to assets | 14.9082% | 687 |
| Core capital (leverage) ratio | 14.6292% | 661 |
| Tier 1 risk-based capital ratio | 19.7693% | 1,706 |
| Total risk-based capital ratio | 21.0243% | 1,678 |
| Memoranda: |
| Average total assets | $189,494,800 | 3,168 |
| Average earning assets | $178,655,000 | 3,088 |
| Average equity | $28,003,600 | 2,381 |
| Average total loans | $109,760,200 | 3,249 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6250% | 1,812 |
| Cost of funding earning assets | 0.7765% | 1,445 |
| Net interest margin | 3.8485% | 2,470 |
| Noninterest income to average assets | 0.2057% | 5,947 |
| Noninterest expense to average assets | 2.4567% | 4,857 |
| Loan and lease loss provision to assets | 0.1259% | 2,722 |
| Net operating income to assets | 0.6680% | 4,026 |
| Return on assets (ROA) | 0.6680% | 4,164 |
| Pretax return on assets | 1.2598% | 2,484 |
| Return on Equity (ROE) | 4.5301% | 4,969 |
| Retained earnings to average equity (ytd only) | 4.5301% | 3,452 |
| Net charge-offs to loans | 0.2362% | 2,388 |
| Credit loss provision to net charge-offs | 91.8367% | 2,587 |
| Earnings coverage of net charge-offs (x) | 10.1070% | 2,396 |
| Efficiency ratio | 63.9359% | 4,805 |
| Assets per employee ($millions) | 5.3826% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4349% | 1,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 57.0306% | 4,161 |
| Net loans and leases to deposits | 69.1106% | 3,920 |
| Net loans and leases to core deposits | 70.5530% | 4,259 |
| Total domestic deposits to total assets | 82.5208% | 4,748 |
| Equity capital to assets | 14.1557% | 920 |
| Core capital (leverage) ratio | 14.2445% | 808 |
| Tier 1 risk-based capital ratio | 18.8848% | 2,027 |
| Total risk-based capital ratio | 20.1425% | 1,983 |
| Memoranda: |
| Average total assets | $190,603,750 | 3,174 |
| Average earning assets | $180,116,250 | 3,098 |
| Average equity | $28,107,250 | 2,402 |
| Average total loans | $110,634,000 | 3,254 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6189% | 1,789 |
| Cost of funding earning assets | 0.8045% | 1,387 |
| Net interest margin | 3.8143% | 2,496 |
| Noninterest income to average assets | 0.1382% | 6,361 |
| Noninterest expense to average assets | 2.4163% | 5,009 |
| Loan and lease loss provision to assets | 0.1266% | 2,739 |
| Net operating income to assets | 0.6415% | 4,100 |
| Return on assets (ROA) | 0.6415% | 4,245 |
| Pretax return on assets | 1.2071% | 2,646 |
| Return on Equity (ROE) | 4.2918% | 5,099 |
| Retained earnings to average equity (ytd only) | 4.2918% | 3,560 |
| Net charge-offs to loans | 0.3572% | 1,771 |
| Credit loss provision to net charge-offs | 61.2245% | 2,993 |
| Earnings coverage of net charge-offs (x) | 6.4490% | 2,715 |
| Efficiency ratio | 64.4344% | 4,800 |
| Assets per employee ($millions) | 5.7711% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3840% | 1,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 56.2377% | 4,240 |
| Net loans and leases to deposits | 68.3536% | 3,961 |
| Net loans and leases to core deposits | 69.8945% | 4,290 |
| Total domestic deposits to total assets | 82.2747% | 4,951 |
| Equity capital to assets | 14.4243% | 838 |
| Core capital (leverage) ratio | 13.8004% | 878 |
| Tier 1 risk-based capital ratio | 18.8543% | 2,034 |
| Total risk-based capital ratio | 20.1124% | 1,992 |
| Memoranda: |
| Average total assets | $189,547,330 | 3,202 |
| Average earning assets | $179,481,670 | 3,120 |
| Average equity | $28,333,000 | 2,404 |
| Average total loans | $109,756,000 | 3,278 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6541% | 1,664 |
| Cost of funding earning assets | 0.8237% | 1,400 |
| Net interest margin | 3.8304% | 2,346 |
| Noninterest income to average assets | 0.0967% | 6,583 |
| Noninterest expense to average assets | 2.5111% | 4,714 |
| Loan and lease loss provision to assets | 0.1289% | 2,631 |
| Net operating income to assets | 0.5735% | 4,341 |
| Return on assets (ROA) | 0.5735% | 4,490 |
| Pretax return on assets | 1.0826% | 3,022 |
| Return on Equity (ROE) | 3.7675% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.7675% | 3,978 |
| Net charge-offs to loans | 0.7289% | 837 |
| Credit loss provision to net charge-offs | 30.4569% | 2,882 |
| Earnings coverage of net charge-offs (x) | 2.8629% | 2,918 |
| Efficiency ratio | 67.4553% | 4,421 |
| Assets per employee ($millions) | 5.8558% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4609% | 1,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 54.2103% | 4,373 |
| Net loans and leases to deposits | 66.2082% | 4,024 |
| Net loans and leases to core deposits | 67.7300% | 4,341 |
| Total domestic deposits to total assets | 81.8785% | 5,238 |
| Equity capital to assets | 14.7268% | 816 |
| Core capital (leverage) ratio | 14.1204% | 768 |
| Tier 1 risk-based capital ratio | 19.4585% | 1,918 |
| Total risk-based capital ratio | 20.7169% | 1,889 |
| Memoranda: |
| Average total assets | $186,212,500 | 3,283 |
| Average earning assets | $176,274,000 | 3,195 |
| Average equity | $28,348,000 | 2,422 |
| Average total loans | $108,112,500 | 3,332 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0139% | 1,524 |
| Cost of funding earning assets | 0.9600% | 1,585 |
| Net interest margin | 4.0539% | 2,175 |
| Noninterest income to average assets | 0.1589% | 6,237 |
| Noninterest expense to average assets | 2.4913% | 5,126 |
| Loan and lease loss provision to assets | 0.1306% | 3,987 |
| Net operating income to assets | 0.8043% | 3,269 |
| Return on assets (ROA) | 0.8043% | 3,519 |
| Pretax return on assets | 1.3496% | 2,215 |
| Return on Equity (ROE) | 5.5335% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.5335% | 2,359 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7295% | 5,127 |
| Assets per employee ($millions) | 5.4298% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5518% | 1,071 |
| Loan loss allowance to noncurrent loans | 176.2056% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 4,287 |
| Noncurrent loans to loans | 1.4482% | 3,431 |
| Net loans and leases to total assets | 59.1841% | 3,757 |
| Net loans and leases to deposits | 73.6221% | 3,155 |
| Net loans and leases to core deposits | 75.4770% | 3,604 |
| Total domestic deposits to total assets | 80.3890% | 5,573 |
| Equity capital to assets | 15.7591% | 597 |
| Core capital (leverage) ratio | 14.8299% | 600 |
| Tier 1 risk-based capital ratio | 19.1246% | 1,925 |
| Total risk-based capital ratio | 20.3839% | 1,896 |
| Memoranda: |
| Average total assets | $183,758,800 | 3,262 |
| Average earning assets | $172,819,600 | 3,194 |
| Average equity | $26,710,200 | 2,507 |
| Average total loans | $110,968,000 | 3,278 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0390% | 1,583 |
| Cost of funding earning assets | 0.9972% | 1,574 |
| Net interest margin | 4.0418% | 2,330 |
| Noninterest income to average assets | 0.1536% | 6,383 |
| Noninterest expense to average assets | 2.4740% | 5,168 |
| Loan and lease loss provision to assets | 0.0721% | 4,764 |
| Net operating income to assets | 0.7838% | 3,533 |
| Return on assets (ROA) | 0.7838% | 3,775 |
| Pretax return on assets | 1.4068% | 2,211 |
| Return on Equity (ROE) | 5.5047% | 4,597 |
| Retained earnings to average equity (ytd only) | 5.5047% | 3,035 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5866% | 5,055 |
| Assets per employee ($millions) | 5.5505% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4141% | 1,333 |
| Loan loss allowance to noncurrent loans | 167.1320% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 4,572 |
| Noncurrent loans to loans | 1.4444% | 3,637 |
| Net loans and leases to total assets | 58.1306% | 4,114 |
| Net loans and leases to deposits | 71.9569% | 3,618 |
| Net loans and leases to core deposits | 73.9406% | 3,980 |
| Total domestic deposits to total assets | 80.7853% | 5,426 |
| Equity capital to assets | 15.0595% | 806 |
| Core capital (leverage) ratio | 14.2844% | 758 |
| Tier 1 risk-based capital ratio | 18.8327% | 2,059 |
| Total risk-based capital ratio | 20.0905% | 2,027 |
| Memoranda: |
| Average total assets | $184,902,250 | 3,272 |
| Average earning assets | $173,814,000 | 3,215 |
| Average equity | $26,328,250 | 2,555 |
| Average total loans | $111,503,500 | 3,289 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1080% | 1,482 |
| Cost of funding earning assets | 1.0140% | 1,682 |
| Net interest margin | 4.0940% | 2,121 |
| Noninterest income to average assets | 0.1531% | 6,435 |
| Noninterest expense to average assets | 2.4930% | 5,159 |
| Loan and lease loss provision to assets | 0.0647% | 4,835 |
| Net operating income to assets | 0.7742% | 3,494 |
| Return on assets (ROA) | 0.7742% | 3,767 |
| Pretax return on assets | 1.4438% | 2,034 |
| Return on Equity (ROE) | 5.5423% | 4,566 |
| Retained earnings to average equity (ytd only) | 5.5423% | 2,970 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3013% | 5,200 |
| Assets per employee ($millions) | 5.3295% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3596% | 1,482 |
| Loan loss allowance to noncurrent loans | 163.8959% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 4,695 |
| Noncurrent loans to loans | 1.4397% | 3,759 |
| Net loans and leases to total assets | 57.3025% | 4,280 |
| Net loans and leases to deposits | 71.2067% | 3,738 |
| Net loans and leases to core deposits | 73.1351% | 4,150 |
| Total domestic deposits to total assets | 80.4735% | 5,621 |
| Equity capital to assets | 14.2100% | 1,011 |
| Core capital (leverage) ratio | 13.9820% | 811 |
| Tier 1 risk-based capital ratio | 18.5642% | 2,113 |
| Total risk-based capital ratio | 19.8218% | 2,071 |
| Memoranda: |
| Average total assets | $185,480,670 | 3,274 |
| Average earning assets | $174,354,000 | 3,212 |
| Average equity | $25,909,670 | 2,584 |
| Average total loans | $112,301,330 | 3,286 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2617% | 1,185 |
| Cost of funding earning assets | 1.0367% | 1,765 |
| Net interest margin | 4.2250% | 1,688 |
| Noninterest income to average assets | 0.1449% | 6,515 |
| Noninterest expense to average assets | 2.5347% | 5,044 |
| Loan and lease loss provision to assets | 0.1298% | 3,724 |
| Net operating income to assets | 0.7569% | 3,588 |
| Return on assets (ROA) | 0.7569% | 3,825 |
| Pretax return on assets | 1.4468% | 2,031 |
| Return on Equity (ROE) | 5.4663% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.4663% | 3,281 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6518% | 5,343 |
| Assets per employee ($millions) | 5.0768% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3127% | 1,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 59.9964% | 3,665 |
| Net loans and leases to deposits | 74.7530% | 3,004 |
| Net loans and leases to core deposits | 76.8239% | 3,501 |
| Total domestic deposits to total assets | 80.2595% | 5,787 |
| Equity capital to assets | 14.2871% | 927 |
| Core capital (leverage) ratio | 13.8280% | 850 |
| Tier 1 risk-based capital ratio | 17.9169% | 2,328 |
| Total risk-based capital ratio | 19.1741% | 2,291 |
| Memoranda: |
| Average total assets | $184,955,500 | 3,298 |
| Average earning assets | $173,633,000 | 3,241 |
| Average equity | $25,611,500 | 2,611 |
| Average total loans | $113,717,000 | 3,283 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5350% | 1,083 |
| Cost of funding earning assets | 1.2817% | 1,572 |
| Net interest margin | 4.2533% | 1,864 |
| Noninterest income to average assets | 0.1584% | 6,353 |
| Noninterest expense to average assets | 2.5285% | 5,357 |
| Loan and lease loss provision to assets | 0.0432% | 6,036 |
| Net operating income to assets | 0.8286% | 2,915 |
| Return on assets (ROA) | 0.8286% | 3,080 |
| Pretax return on assets | 1.4967% | 1,482 |
| Return on Equity (ROE) | 6.2626% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.2626% | 1,872 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1496% | 5,437 |
| Assets per employee ($millions) | 5.1985% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2025% | 1,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.1929% | 3,956 |
| Net loans and leases to deposits | 74.1452% | 3,476 |
| Net loans and leases to core deposits | 76.1547% | 3,962 |
| Total domestic deposits to total assets | 81.1825% | 5,393 |
| Equity capital to assets | 13.4179% | 1,311 |
| Core capital (leverage) ratio | 13.7299% | 887 |
| Tier 1 risk-based capital ratio | 17.1555% | 2,531 |
| Total risk-based capital ratio | 18.4113% | 2,487 |
| Memoranda: |
| Average total assets | $185,008,200 | 3,258 |
| Average earning assets | $170,081,200 | 3,246 |
| Average equity | $24,478,800 | 2,622 |
| Average total loans | $111,561,400 | 3,345 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5842% | 1,071 |
| Cost of funding earning assets | 1.3392% | 1,504 |
| Net interest margin | 4.2450% | 1,929 |
| Noninterest income to average assets | 0.1670% | 6,393 |
| Noninterest expense to average assets | 2.6120% | 5,031 |
| Loan and lease loss provision to assets | 0.0578% | 5,720 |
| Net operating income to assets | 0.6729% | 3,750 |
| Return on assets (ROA) | 0.6729% | 3,926 |
| Pretax return on assets | 1.3805% | 2,004 |
| Return on Equity (ROE) | 5.1039% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.1039% | 3,106 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4897% | 4,984 |
| Assets per employee ($millions) | 4.9880% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3368% | 1,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 58.9780% | 4,325 |
| Net loans and leases to deposits | 73.2537% | 3,772 |
| Net loans and leases to core deposits | 75.3429% | 4,274 |
| Total domestic deposits to total assets | 80.5120% | 5,595 |
| Equity capital to assets | 13.7820% | 1,253 |
| Core capital (leverage) ratio | 13.4378% | 1,066 |
| Tier 1 risk-based capital ratio | 17.5932% | 2,398 |
| Total risk-based capital ratio | 18.8504% | 2,368 |
| Memoranda: |
| Average total assets | $184,474,000 | 3,288 |
| Average earning assets | $168,759,000 | 3,277 |
| Average equity | $24,320,750 | 2,642 |
| Average total loans | $110,655,500 | 3,398 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5980% | 1,072 |
| Cost of funding earning assets | 1.4155% | 1,352 |
| Net interest margin | 4.1826% | 2,109 |
| Noninterest income to average assets | 0.1515% | 6,566 |
| Noninterest expense to average assets | 2.5770% | 5,270 |
| Loan and lease loss provision to assets | 0.0860% | 5,235 |
| Net operating income to assets | 0.6491% | 3,799 |
| Return on assets (ROA) | 0.6491% | 3,927 |
| Pretax return on assets | 1.2896% | 2,166 |
| Return on Equity (ROE) | 4.9962% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.9962% | 3,011 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1985% | 5,023 |
| Assets per employee ($millions) | 5.3033% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3026% | 1,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 57.9694% | 4,633 |
| Net loans and leases to deposits | 70.1112% | 4,422 |
| Net loans and leases to core deposits | 72.4196% | 4,770 |
| Total domestic deposits to total assets | 82.6821% | 4,910 |
| Equity capital to assets | 13.2520% | 1,408 |
| Core capital (leverage) ratio | 12.9376% | 1,191 |
| Tier 1 risk-based capital ratio | 17.4511% | 2,354 |
| Total risk-based capital ratio | 18.7085% | 2,325 |
| Memoranda: |
| Average total assets | $186,109,670 | 3,285 |
| Average earning assets | $169,130,670 | 3,288 |
| Average equity | $24,178,330 | 2,641 |
| Average total loans | $111,394,330 | 3,425 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6843% | 909 |
| Cost of funding earning assets | 1.4547% | 1,360 |
| Net interest margin | 4.2295% | 1,807 |
| Noninterest income to average assets | 0.1245% | 6,795 |
| Noninterest expense to average assets | 2.5371% | 5,429 |
| Loan and lease loss provision to assets | 0.1288% | 4,384 |
| Net operating income to assets | 0.6525% | 3,740 |
| Return on assets (ROA) | 0.6525% | 3,816 |
| Pretax return on assets | 1.2342% | 2,255 |
| Return on Equity (ROE) | 5.0733% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.0733% | 3,142 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0523% | 5,183 |
| Assets per employee ($millions) | 5.1466% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2572% | 1,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.6634% | 4,519 |
| Net loans and leases to deposits | 70.8006% | 4,223 |
| Net loans and leases to core deposits | 74.6145% | 4,474 |
| Total domestic deposits to total assets | 82.8572% | 4,976 |
| Equity capital to assets | 13.0684% | 1,355 |
| Core capital (leverage) ratio | 13.0392% | 1,110 |
| Tier 1 risk-based capital ratio | 17.0732% | 2,448 |
| Total risk-based capital ratio | 18.3301% | 2,419 |
| Memoranda: |
| Average total assets | $186,356,000 | 3,292 |
| Average earning assets | $166,353,500 | 3,355 |
| Average equity | $23,968,500 | 2,643 |
| Average total loans | $112,023,000 | 3,443 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1012% | 699 |
| Cost of funding earning assets | 1.7639% | 1,323 |
| Net interest margin | 4.3374% | 1,689 |
| Noninterest income to average assets | 0.1447% | 6,667 |
| Noninterest expense to average assets | 2.6205% | 5,332 |
| Loan and lease loss provision to assets | 0.1286% | 5,881 |
| Net operating income to assets | 0.7739% | 2,907 |
| Return on assets (ROA) | 0.8494% | 2,732 |
| Pretax return on assets | 1.2341% | 2,125 |
| Return on Equity (ROE) | 6.9077% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.9077% | 1,360 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6442% | 4,637 |
| Assets per employee ($millions) | 5.2065% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1685% | 1,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.9000% | 4,868 |
| Net loans and leases to deposits | 72.1744% | 4,491 |
| Net loans and leases to core deposits | 75.8807% | 4,733 |
| Total domestic deposits to total assets | 81.6078% | 5,321 |
| Equity capital to assets | 12.6573% | 1,549 |
| Core capital (leverage) ratio | 12.8612% | 1,176 |
| Tier 1 risk-based capital ratio | 16.6614% | 2,472 |
| Total risk-based capital ratio | 17.9164% | 2,435 |
| Memoranda: |
| Average total assets | $186,608,800 | 3,276 |
| Average earning assets | $160,443,200 | 3,439 |
| Average equity | $22,945,400 | 2,770 |
| Average total loans | $118,515,600 | 3,344 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0919% | 772 |
| Cost of funding earning assets | 1.8143% | 1,363 |
| Net interest margin | 4.2776% | 1,921 |
| Noninterest income to average assets | 0.1431% | 6,835 |
| Noninterest expense to average assets | 2.6394% | 5,155 |
| Loan and lease loss provision to assets | 0.1287% | 5,738 |
| Net operating income to assets | 0.6455% | 3,672 |
| Return on assets (ROA) | 0.7389% | 3,406 |
| Pretax return on assets | 1.2124% | 2,445 |
| Return on Equity (ROE) | 6.0539% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.0539% | 2,322 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8304% | 4,304 |
| Assets per employee ($millions) | 5.0747% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0302% | 2,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 63.2624% | 4,264 |
| Net loans and leases to deposits | 78.0336% | 3,820 |
| Net loans and leases to core deposits | 82.3746% | 4,187 |
| Total domestic deposits to total assets | 81.0707% | 5,336 |
| Equity capital to assets | 12.9120% | 1,625 |
| Core capital (leverage) ratio | 12.5242% | 1,398 |
| Tier 1 risk-based capital ratio | 16.0938% | 2,717 |
| Total risk-based capital ratio | 17.3489% | 2,663 |
| Memoranda: |
| Average total assets | $186,402,750 | 3,325 |
| Average earning assets | $160,865,250 | 3,480 |
| Average equity | $22,750,750 | 2,839 |
| Average total loans | $119,933,250 | 3,369 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0588% | 829 |
| Cost of funding earning assets | 1.8715% | 1,335 |
| Net interest margin | 4.1873% | 2,193 |
| Noninterest income to average assets | 0.1386% | 6,890 |
| Noninterest expense to average assets | 2.6146% | 5,263 |
| Loan and lease loss provision to assets | 0.1279% | 5,601 |
| Net operating income to assets | 0.5473% | 4,108 |
| Return on assets (ROA) | 0.6864% | 3,610 |
| Pretax return on assets | 1.2098% | 2,383 |
| Return on Equity (ROE) | 5.7317% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.7317% | 2,480 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0057% | 4,189 |
| Assets per employee ($millions) | 5.1120% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9640% | 2,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.7810% | 4,725 |
| Net loans and leases to deposits | 75.4005% | 4,438 |
| Net loans and leases to core deposits | 81.0266% | 4,550 |
| Total domestic deposits to total assets | 81.9370% | 5,011 |
| Equity capital to assets | 12.0765% | 2,054 |
| Core capital (leverage) ratio | 11.9279% | 1,683 |
| Tier 1 risk-based capital ratio | 16.7276% | 2,392 |
| Total risk-based capital ratio | 17.9839% | 2,335 |
| Memoranda: |
| Average total assets | $187,640,330 | 3,341 |
| Average earning assets | $161,154,670 | 3,491 |
| Average equity | $22,471,330 | 2,861 |
| Average total loans | $120,588,000 | 3,400 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0044% | 978 |
| Cost of funding earning assets | 1.9058% | 1,423 |
| Net interest margin | 4.0986% | 2,446 |
| Noninterest income to average assets | 0.1434% | 6,952 |
| Noninterest expense to average assets | 2.5727% | 5,467 |
| Loan and lease loss provision to assets | 0.1284% | 5,288 |
| Net operating income to assets | 0.4397% | 4,663 |
| Return on assets (ROA) | 0.7191% | 3,462 |
| Pretax return on assets | 1.4233% | 1,712 |
| Return on Equity (ROE) | 6.0307% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.0307% | 2,610 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7620% | 4,357 |
| Assets per employee ($millions) | 5.3724% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8890% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.8096% | 4,584 |
| Net loans and leases to deposits | 77.6326% | 4,107 |
| Net loans and leases to core deposits | 83.4115% | 4,279 |
| Total domestic deposits to total assets | 80.9062% | 5,493 |
| Equity capital to assets | 11.9462% | 2,068 |
| Core capital (leverage) ratio | 12.2549% | 1,518 |
| Tier 1 risk-based capital ratio | 16.7862% | 2,351 |
| Total risk-based capital ratio | 18.0417% | 2,299 |
| Memoranda: |
| Average total assets | $186,888,500 | 3,404 |
| Average earning assets | $161,615,500 | 3,533 |
| Average equity | $22,286,000 | 2,911 |
| Average total loans | $121,284,000 | 3,442 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2354% | 1,151 |
| Cost of funding earning assets | 2.4898% | 1,045 |
| Net interest margin | 3.7457% | 3,927 |
| Noninterest income to average assets | 0.1747% | 6,830 |
| Noninterest expense to average assets | 2.7025% | 5,378 |
| Loan and lease loss provision to assets | 0.1517% | 6,151 |
| Net operating income to assets | 0.2688% | 4,653 |
| Return on assets (ROA) | 0.3515% | 4,411 |
| Pretax return on assets | 0.8087% | 3,216 |
| Return on Equity (ROE) | 2.9456% | 4,525 |
| Retained earnings to average equity (ytd only) | 2.9456% | 3,107 |
| Net charge-offs to loans | 0.0283% | 6,850 |
| Credit loss provision to net charge-offs | 748.6486% | 393 |
| Earnings coverage of net charge-offs (x) | 41.0270% | 595 |
| Efficiency ratio | 76.4797% | 3,443 |
| Assets per employee ($millions) | 5.1595% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8128% | 2,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.5923% | 4,469 |
| Net loans and leases to deposits | 81.9569% | 3,622 |
| Net loans and leases to core deposits | 105.2893% | 3,421 |
| Total domestic deposits to total assets | 78.8125% | 6,030 |
| Equity capital to assets | 11.9031% | 2,081 |
| Core capital (leverage) ratio | 11.7894% | 1,761 |
| Tier 1 risk-based capital ratio | 15.8841% | 2,573 |
| Total risk-based capital ratio | 17.1383% | 2,502 |
| Memoranda: |
| Average total assets | $182,643,200 | 3,396 |
| Average earning assets | $163,789,600 | 3,447 |
| Average equity | $21,795,200 | 2,972 |
| Average total loans | $130,599,800 | 3,258 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2282% | 1,302 |
| Cost of funding earning assets | 2.5914% | 1,054 |
| Net interest margin | 3.6368% | 4,340 |
| Noninterest income to average assets | 0.1811% | 6,930 |
| Noninterest expense to average assets | 2.7374% | 5,160 |
| Loan and lease loss provision to assets | 0.1591% | 5,759 |
| Net operating income to assets | 0.2544% | 4,972 |
| Return on assets (ROA) | 0.3651% | 4,634 |
| Pretax return on assets | 0.7324% | 3,754 |
| Return on Equity (ROE) | 3.0575% | 4,767 |
| Retained earnings to average equity (ytd only) | 3.0575% | 3,616 |
| Net charge-offs to loans | 0.0372% | 6,384 |
| Credit loss provision to net charge-offs | 586.4865% | 658 |
| Earnings coverage of net charge-offs (x) | 26.4875% | 1,020 |
| Efficiency ratio | 79.2109% | 2,963 |
| Assets per employee ($millions) | 5.1308% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6430% | 2,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 67.5137% | 4,067 |
| Net loans and leases to deposits | 85.1422% | 3,475 |
| Net loans and leases to core deposits | 110.6442% | 3,168 |
| Total domestic deposits to total assets | 79.2952% | 5,697 |
| Equity capital to assets | 11.6667% | 2,459 |
| Core capital (leverage) ratio | 11.7707% | 1,922 |
| Tier 1 risk-based capital ratio | 15.0068% | 3,035 |
| Total risk-based capital ratio | 16.2598% | 2,977 |
| Memoranda: |
| Average total assets | $181,868,500 | 3,436 |
| Average earning assets | $163,766,000 | 3,477 |
| Average equity | $21,716,750 | 3,009 |
| Average total loans | $132,702,250 | 3,249 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2768% | 1,269 |
| Cost of funding earning assets | 2.7255% | 975 |
| Net interest margin | 3.5512% | 4,567 |
| Noninterest income to average assets | 0.1741% | 7,048 |
| Noninterest expense to average assets | 2.6047% | 5,723 |
| Loan and lease loss provision to assets | 0.1339% | 5,745 |
| Net operating income to assets | 0.3370% | 4,731 |
| Return on assets (ROA) | 0.3370% | 4,843 |
| Pretax return on assets | 0.6417% | 4,186 |
| Return on Equity (ROE) | 2.7998% | 4,977 |
| Retained earnings to average equity (ytd only) | 2.7998% | 3,764 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0551% | 3,504 |
| Assets per employee ($millions) | 4.9671% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5863% | 2,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 72.1325% | 3,185 |
| Net loans and leases to deposits | 92.1617% | 2,441 |
| Net loans and leases to core deposits | 116.1235% | 2,699 |
| Total domestic deposits to total assets | 78.2674% | 6,010 |
| Equity capital to assets | 12.1193% | 2,140 |
| Core capital (leverage) ratio | 12.1096% | 1,789 |
| Tier 1 risk-based capital ratio | 14.2372% | 3,387 |
| Total risk-based capital ratio | 15.4890% | 3,317 |
| Memoranda: |
| Average total assets | $179,211,330 | 3,495 |
| Average earning assets | $161,802,330 | 3,530 |
| Average equity | $21,573,000 | 3,024 |
| Average total loans | $133,500,000 | 3,278 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3140% | 1,257 |
| Cost of funding earning assets | 2.8897% | 788 |
| Net interest margin | 3.4243% | 5,033 |
| Noninterest income to average assets | 0.1828% | 6,986 |
| Noninterest expense to average assets | 2.5929% | 5,482 |
| Loan and lease loss provision to assets | 0.1338% | 5,249 |
| Net operating income to assets | 0.2742% | 5,392 |
| Return on assets (ROA) | 0.2742% | 5,561 |
| Pretax return on assets | 0.5262% | 4,995 |
| Return on Equity (ROE) | 2.2858% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.2858% | 4,604 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7121% | 2,859 |
| Assets per employee ($millions) | 5.0655% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5078% | 2,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.2056% | 2,706 |
| Net loans and leases to deposits | 93.8817% | 2,291 |
| Net loans and leases to core deposits | 116.5276% | 2,737 |
| Total domestic deposits to total assets | 79.0416% | 5,711 |
| Equity capital to assets | 12.1606% | 2,164 |
| Core capital (leverage) ratio | 12.0295% | 1,889 |
| Tier 1 risk-based capital ratio | 14.4802% | 3,322 |
| Total risk-based capital ratio | 15.7318% | 3,241 |
| Memoranda: |
| Average total assets | $179,410,000 | 3,514 |
| Average earning assets | $160,849,000 | 3,554 |
| Average equity | $21,524,000 | 3,035 |
| Average total loans | $134,719,000 | 3,276 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6177% | 2,400 |
| Cost of funding earning assets | 3.3381% | 833 |
| Net interest margin | 3.2796% | 6,105 |
| Noninterest income to average assets | 0.2072% | 6,957 |
| Noninterest expense to average assets | 2.6858% | 5,327 |
| Loan and lease loss provision to assets | 0.0445% | 6,855 |
| Net operating income to assets | 0.2757% | 5,627 |
| Return on assets (ROA) | 0.2757% | 5,440 |
| Pretax return on assets | 0.5017% | 4,970 |
| Return on Equity (ROE) | 2.3394% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.3394% | 3,746 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0979% | 2,170 |
| Assets per employee ($millions) | 4.9061% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4264% | 3,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.7768% | 3,158 |
| Net loans and leases to deposits | 90.7713% | 3,321 |
| Net loans and leases to core deposits | 110.8184% | 3,706 |
| Total domestic deposits to total assets | 81.2776% | 4,524 |
| Equity capital to assets | 11.8374% | 2,398 |
| Core capital (leverage) ratio | 11.9255% | 2,006 |
| Tier 1 risk-based capital ratio | 14.3030% | 3,393 |
| Total risk-based capital ratio | 15.5542% | 3,312 |
| Memoranda: |
| Average total assets | $179,574,400 | 3,409 |
| Average earning assets | $165,631,600 | 3,395 |
| Average equity | $21,159,400 | 3,080 |
| Average total loans | $132,833,600 | 3,222 |
