| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8028% | 2,465 |
| Cost of funding earning assets | 1.3532% | 2,349 |
| Net interest margin | 3.4497% | 2,299 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.7105% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4079% | 1,205 |
| Return on assets (ROA) | 1.4079% | 1,178 |
| Pretax return on assets | 1.4420% | 1,548 |
| Return on Equity (ROE) | 14.5100% | 1,381 |
| Retained earnings to average equity (ytd only) | 2.8956% | 3,311 |
| Net charge-offs to loans | 0.0040% | 2,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 511.8000% | 286 |
| Efficiency ratio | 65.2734% | 2,448 |
| Assets per employee ($millions) | 5.6836% | 3,091 |
| Cash dividends to net income (ytd only)* | 80.0480% | 582 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0893% | 2,897 |
| 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 | 79.4100% | 715 |
| Net loans and leases to deposits | 90.8210% | 1,203 |
| Net loans and leases to core deposits | 91.6959% | 1,927 |
| Total domestic deposits to total assets | 87.4300% | 1,547 |
| Equity capital to assets | 9.9432% | 2,043 |
| Core capital (leverage) ratio | 10.5869% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $354,913,800 | 2,177 |
| Average earning assets | $333,510,400 | 2,162 |
| Average equity | $34,431,800 | 2,079 |
| Average total loans | $252,831,000 | 1,989 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6680% | 2,537 |
| Cost of funding earning assets | 1.3210% | 2,092 |
| Net interest margin | 3.3469% | 2,578 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.7154% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3155% | 1,513 |
| Return on assets (ROA) | 1.3155% | 1,496 |
| Pretax return on assets | 1.3484% | 1,899 |
| Return on Equity (ROE) | 13.6400% | 1,755 |
| Retained earnings to average equity (ytd only) | 13.6423% | 723 |
| Net charge-offs to loans | 0.0027% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 219 |
| Efficiency ratio | 66.8199% | 2,175 |
| Assets per employee ($millions) | 5.3958% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2411% | 2,162 |
| 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 | 69.9800% | 1,828 |
| Net loans and leases to deposits | 78.9794% | 2,146 |
| Net loans and leases to core deposits | 79.4969% | 2,637 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 10.4946% | 1,559 |
| Core capital (leverage) ratio | 11.1537% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $356,967,250 | 2,175 |
| Average earning assets | $335,384,750 | 2,157 |
| Average equity | $34,421,500 | 2,066 |
| Average total loans | $246,454,750 | 2,021 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5052% | 2,634 |
| Cost of funding earning assets | 1.2766% | 1,772 |
| Net interest margin | 3.2287% | 2,920 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.6599% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2570% | 1,674 |
| Return on assets (ROA) | 1.2570% | 1,668 |
| Pretax return on assets | 1.2897% | 2,111 |
| Return on Equity (ROE) | 13.4100% | 1,814 |
| Retained earnings to average equity (ytd only) | 13.4142% | 756 |
| Net charge-offs to loans | 0.0024% | 2,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 775.6667% | 190 |
| Efficiency ratio | 67.3449% | 2,064 |
| Assets per employee ($millions) | 5.4415% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2709% | 2,061 |
| Loan loss allowance to noncurrent loans | 43,414.2857% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,884 |
| Noncurrent loans to loans | 0.0029% | 3,809 |
| Net loans and leases to total assets | 67.7900% | 1,980 |
| Net loans and leases to deposits | 75.9279% | 2,320 |
| Net loans and leases to core deposits | 76.4152% | 2,736 |
| Total domestic deposits to total assets | 89.2800% | 1,146 |
| Equity capital to assets | 10.0315% | 1,840 |
| Core capital (leverage) ratio | 10.5311% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $360,846,000 | 2,163 |
| Average earning assets | $338,095,667 | 2,147 |
| Average equity | $33,815,000 | 2,108 |
| Average total loans | $247,036,333 | 2,013 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2891% | 2,827 |
| Cost of funding earning assets | 1.2367% | 1,367 |
| Net interest margin | 3.0524% | 3,456 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.5876% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1222% | 2,156 |
| Return on assets (ROA) | 1.1222% | 2,121 |
| Pretax return on assets | 1.1538% | 2,549 |
| Return on Equity (ROE) | 12.3900% | 2,116 |
| Retained earnings to average equity (ytd only) | 12.3891% | 1,194 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.1613% | 1,839 |
| Assets per employee ($millions) | 5.7619% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2321% | 2,379 |
| Loan loss allowance to noncurrent loans | 341.0314% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 1,910 |
| Noncurrent loans to loans | 0.3613% | 1,851 |
| Net loans and leases to total assets | 66.1300% | 2,045 |
| Net loans and leases to deposits | 74.7909% | 2,231 |
| Net loans and leases to core deposits | 75.5437% | 2,566 |
| Total domestic deposits to total assets | 88.4200% | 1,769 |
| Equity capital to assets | 9.2334% | 2,333 |
| Core capital (leverage) ratio | 9.9968% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $367,142,000 | 2,168 |
| Average earning assets | $344,128,000 | 2,155 |
| Average equity | $33,255,000 | 2,155 |
| Average total loans | $250,996,000 | 2,022 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4002% | 3,345 |
| Cost of funding earning assets | 0.4856% | 1,493 |
| Net interest margin | 2.9146% | 3,646 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.4159% | 2,376 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1488% | 1,976 |
| Return on assets (ROA) | 1.1488% | 1,918 |
| Pretax return on assets | 1.1837% | 2,491 |
| Return on Equity (ROE) | 12.4300% | 1,999 |
| Retained earnings to average equity (ytd only) | 3.8008% | 3,461 |
| Net charge-offs to loans | 0.0012% | 2,523 |
| Credit loss provision to net charge-offs | 6,666.6667% | 102 |
| Earnings coverage of net charge-offs (x) | 1,501.3333% | 118 |
| Efficiency ratio | 66.1048% | 2,217 |
| Assets per employee ($millions) | 5.7113% | 3,021 |
| Cash dividends to net income (ytd only)* | 69.4278% | 681 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1925% | 2,428 |
| Loan loss allowance to noncurrent loans | 315.5602% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 1,843 |
| Noncurrent loans to loans | 0.3779% | 1,787 |
| Net loans and leases to total assets | 68.9600% | 1,733 |
| Net loans and leases to deposits | 76.3050% | 2,074 |
| Net loans and leases to core deposits | 77.1198% | 2,338 |
| Total domestic deposits to total assets | 90.3700% | 1,214 |
| Equity capital to assets | 8.8807% | 2,433 |
| Core capital (leverage) ratio | 9.5273% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $363,597,800 | 2,163 |
| Average earning assets | $341,833,000 | 2,145 |
| Average equity | $33,598,400 | 2,177 |
| Average total loans | $241,328,000 | 1,992 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1441% | 3,570 |
| Cost of funding earning assets | 0.2818% | 2,364 |
| Net interest margin | 2.8623% | 3,591 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.3977% | 2,345 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1463% | 1,907 |
| Return on assets (ROA) | 1.1463% | 1,880 |
| Pretax return on assets | 1.1805% | 2,444 |
| Return on Equity (ROE) | 12.2900% | 1,946 |
| Retained earnings to average equity (ytd only) | 12.2852% | 731 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.6667% | 2,197 |
| Assets per employee ($millions) | 5.7839% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2266% | 2,386 |
| Loan loss allowance to noncurrent loans | 213.8109% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 1,475 |
| Noncurrent loans to loans | 0.5737% | 1,395 |
| Net loans and leases to total assets | 62.9800% | 2,193 |
| Net loans and leases to deposits | 70.0332% | 2,357 |
| Net loans and leases to core deposits | 70.6254% | 2,591 |
| Total domestic deposits to total assets | 89.9200% | 1,700 |
| Equity capital to assets | 9.2331% | 2,051 |
| Core capital (leverage) ratio | 10.0626% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $363,116,250 | 2,180 |
| Average earning assets | $342,514,750 | 2,156 |
| Average equity | $33,882,750 | 2,193 |
| Average total loans | $237,884,750 | 2,008 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9933% | 3,577 |
| Cost of funding earning assets | 0.1833% | 3,138 |
| Net interest margin | 2.8100% | 3,420 |
| Noninterest income to average assets | 0.9153% | 815 |
| Noninterest expense to average assets | 2.4226% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1110% | 1,730 |
| Return on assets (ROA) | 1.1110% | 1,711 |
| Pretax return on assets | 1.1437% | 2,261 |
| Return on Equity (ROE) | 11.8635% | 1,699 |
| Retained earnings to average equity (ytd only) | 11.8635% | 626 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9310% | 2,254 |
| Assets per employee ($millions) | 6.0464% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2189% | 2,597 |
| Loan loss allowance to noncurrent loans | 222.0921% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 1,590 |
| Noncurrent loans to loans | 0.5488% | 1,519 |
| Net loans and leases to total assets | 63.5557% | 1,959 |
| Net loans and leases to deposits | 71.0036% | 2,109 |
| Net loans and leases to core deposits | 71.7712% | 2,364 |
| Total domestic deposits to total assets | 89.5105% | 1,939 |
| Equity capital to assets | 9.3078% | 2,153 |
| Core capital (leverage) ratio | 9.7570% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $360,765,667 | 2,197 |
| Average earning assets | $340,355,667 | 2,182 |
| Average equity | $33,784,333 | 2,236 |
| Average total loans | $238,509,333 | 2,005 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8218% | 3,708 |
| Cost of funding earning assets | 0.1562% | 3,419 |
| Net interest margin | 2.6657% | 3,490 |
| Noninterest income to average assets | 0.9573% | 745 |
| Noninterest expense to average assets | 2.4372% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0118% | 1,826 |
| Return on assets (ROA) | 1.0118% | 1,821 |
| Pretax return on assets | 1.0440% | 2,312 |
| Return on Equity (ROE) | 10.7715% | 1,696 |
| Retained earnings to average equity (ytd only) | 10.7715% | 826 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0096% | 2,230 |
| Assets per employee ($millions) | 6.4738% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1821% | 2,950 |
| Loan loss allowance to noncurrent loans | 758.6667% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 3,097 |
| Noncurrent loans to loans | 0.1558% | 3,023 |
| Net loans and leases to total assets | 64.4508% | 1,565 |
| Net loans and leases to deposits | 73.4584% | 1,657 |
| Net loans and leases to core deposits | 74.1843% | 1,927 |
| Total domestic deposits to total assets | 87.7378% | 2,653 |
| Equity capital to assets | 9.1327% | 2,598 |
| Core capital (leverage) ratio | 9.5918% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $359,758,000 | 2,206 |
| Average earning assets | $340,629,500 | 2,182 |
| Average equity | $33,793,000 | 2,295 |
| Average total loans | $241,057,500 | 1,986 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2703% | 3,294 |
| Cost of funding earning assets | 0.1823% | 3,632 |
| Net interest margin | 3.0880% | 2,947 |
| Noninterest income to average assets | 1.0080% | 992 |
| Noninterest expense to average assets | 2.5425% | 2,053 |
| Loan and lease loss provision to assets | -0.1485% | 4,626 |
| Net operating income to assets | 1.4850% | 1,048 |
| Return on assets (ROA) | 1.4850% | 1,100 |
| Pretax return on assets | 1.5414% | 1,598 |
| Return on Equity (ROE) | 14.8592% | 982 |
| Retained earnings to average equity (ytd only) | 6.9838% | 1,924 |
| Net charge-offs to loans | -0.0347% | 4,176 |
| Credit loss provision to net charge-offs | 617.2840% | 710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6064% | 2,461 |
| Assets per employee ($millions) | 6.0433% | 2,724 |
| Cash dividends to net income (ytd only)* | 53.0000% | 1,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1783% | 2,983 |
| Loan loss allowance to noncurrent loans | 204.5291% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 1,639 |
| Noncurrent loans to loans | 0.5761% | 1,701 |
| Net loans and leases to total assets | 68.0716% | 1,256 |
| Net loans and leases to deposits | 77.5349% | 1,441 |
| Net loans and leases to core deposits | 78.3401% | 1,733 |
| Total domestic deposits to total assets | 87.7947% | 2,154 |
| Equity capital to assets | 9.6676% | 2,977 |
| Core capital (leverage) ratio | 9.7017% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $336,710,600 | 2,263 |
| Average earning assets | $319,207,200 | 2,236 |
| Average equity | $33,649,200 | 2,347 |
| Average total loans | $233,170,800 | 2,030 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4124% | 3,066 |
| Cost of funding earning assets | 0.1949% | 3,661 |
| Net interest margin | 3.2175% | 2,675 |
| Noninterest income to average assets | 1.0286% | 1,019 |
| Noninterest expense to average assets | 2.5929% | 1,859 |
| Loan and lease loss provision to assets | -0.2001% | 4,752 |
| Net operating income to assets | 1.6187% | 990 |
| Return on assets (ROA) | 1.6187% | 1,034 |
| Pretax return on assets | 1.6807% | 1,453 |
| Return on Equity (ROE) | 16.0599% | 938 |
| Retained earnings to average equity (ytd only) | 16.0599% | 298 |
| Net charge-offs to loans | -0.0479% | 4,338 |
| Credit loss provision to net charge-offs | 602.4096% | 699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6515% | 2,442 |
| Assets per employee ($millions) | 6.0153% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2605% | 2,682 |
| Loan loss allowance to noncurrent loans | 254.1964% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 2,149 |
| Noncurrent loans to loans | 0.4959% | 2,068 |
| Net loans and leases to total assets | 65.0435% | 1,648 |
| Net loans and leases to deposits | 74.8243% | 1,777 |
| Net loans and leases to core deposits | 75.6256% | 2,091 |
| Total domestic deposits to total assets | 86.9284% | 2,378 |
| Equity capital to assets | 10.3727% | 2,553 |
| Core capital (leverage) ratio | 10.4094% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $333,260,250 | 2,295 |
| Average earning assets | $315,390,250 | 2,272 |
| Average equity | $33,590,000 | 2,383 |
| Average total loans | $231,102,500 | 2,082 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7215% | 2,278 |
| Cost of funding earning assets | 0.2091% | 3,664 |
| Net interest margin | 3.5124% | 1,822 |
| Noninterest income to average assets | 1.0477% | 1,000 |
| Noninterest expense to average assets | 2.6602% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6403% | 965 |
| Return on assets (ROA) | 1.6403% | 1,016 |
| Pretax return on assets | 1.7058% | 1,465 |
| Return on Equity (ROE) | 16.4401% | 872 |
| Retained earnings to average equity (ytd only) | 16.4401% | 310 |
| Net charge-offs to loans | -0.0730% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9299% | 2,882 |
| Assets per employee ($millions) | 5.8414% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4734% | 1,672 |
| Loan loss allowance to noncurrent loans | 334.9000% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 2,419 |
| Noncurrent loans to loans | 0.4400% | 2,352 |
| Net loans and leases to total assets | 67.2588% | 1,547 |
| Net loans and leases to deposits | 77.8602% | 1,645 |
| Net loans and leases to core deposits | 78.4650% | 2,008 |
| Total domestic deposits to total assets | 86.3841% | 2,598 |
| Equity capital to assets | 10.2905% | 2,586 |
| Core capital (leverage) ratio | 10.0493% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $330,056,333 | 2,308 |
| Average earning assets | $311,813,000 | 2,277 |
| Average equity | $32,931,667 | 2,409 |
| Average total loans | $232,849,000 | 2,078 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5700% | 2,736 |
| Cost of funding earning assets | 0.2336% | 3,618 |
| Net interest margin | 3.3364% | 2,283 |
| Noninterest income to average assets | 1.1028% | 979 |
| Noninterest expense to average assets | 2.6938% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5058% | 1,317 |
| Return on assets (ROA) | 1.5058% | 1,379 |
| Pretax return on assets | 1.5557% | 1,842 |
| Return on Equity (ROE) | 15.3350% | 1,148 |
| Retained earnings to average equity (ytd only) | 15.3350% | 593 |
| Net charge-offs to loans | -0.0017% | 3,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3916% | 2,547 |
| Assets per employee ($millions) | 5.8043% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3775% | 2,066 |
| 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 | 70.6571% | 1,198 |
| Net loans and leases to deposits | 80.8102% | 1,441 |
| Net loans and leases to core deposits | 81.3091% | 1,888 |
| Total domestic deposits to total assets | 87.4359% | 2,121 |
| Equity capital to assets | 9.9363% | 2,762 |
| Core capital (leverage) ratio | 9.9805% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $328,606,000 | 2,295 |
| Average earning assets | $309,914,000 | 2,269 |
| Average equity | $32,266,000 | 2,430 |
| Average total loans | $235,627,500 | 2,058 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9580% | 2,860 |
| Cost of funding earning assets | 0.4793% | 3,087 |
| Net interest margin | 3.4787% | 2,535 |
| Noninterest income to average assets | 0.9321% | 1,191 |
| Noninterest expense to average assets | 2.5254% | 2,770 |
| Loan and lease loss provision to assets | 0.2028% | 1,936 |
| Net operating income to assets | 1.4308% | 949 |
| Return on assets (ROA) | 1.4308% | 1,039 |
| Pretax return on assets | 1.4776% | 1,415 |
| Return on Equity (ROE) | 14.8798% | 656 |
| Retained earnings to average equity (ytd only) | 8.3920% | 939 |
| Net charge-offs to loans | 0.0058% | 3,141 |
| Credit loss provision to net charge-offs | 4,642.8571% | 231 |
| Earnings coverage of net charge-offs (x) | 384.7857% | 285 |
| Efficiency ratio | 60.0460% | 3,452 |
| Assets per employee ($millions) | 5.5316% | 2,815 |
| Cash dividends to net income (ytd only)* | 43.6015% | 2,168 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3935% | 1,997 |
| 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 | 70.7671% | 1,459 |
| Net loans and leases to deposits | 80.2515% | 1,836 |
| Net loans and leases to core deposits | 80.7481% | 2,297 |
| Total domestic deposits to total assets | 88.1816% | 1,386 |
| Equity capital to assets | 9.7002% | 3,405 |
| Core capital (leverage) ratio | 9.6562% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $320,578,800 | 2,190 |
| Average earning assets | $301,692,800 | 2,169 |
| Average equity | $30,827,000 | 2,440 |
| Average total loans | $243,093,800 | 1,952 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1411% | 2,551 |
| Cost of funding earning assets | 0.5356% | 3,020 |
| Net interest margin | 3.6055% | 2,257 |
| Noninterest income to average assets | 0.9212% | 1,167 |
| Noninterest expense to average assets | 2.5055% | 2,820 |
| Loan and lease loss provision to assets | 0.2717% | 1,490 |
| Net operating income to assets | 1.4944% | 919 |
| Return on assets (ROA) | 1.4944% | 1,000 |
| Pretax return on assets | 1.5387% | 1,360 |
| Return on Equity (ROE) | 15.5759% | 602 |
| Retained earnings to average equity (ytd only) | 15.5759% | 175 |
| Net charge-offs to loans | 0.0065% | 2,895 |
| Credit loss provision to net charge-offs | 5,416.6667% | 206 |
| Earnings coverage of net charge-offs (x) | 361.0833% | 313 |
| Efficiency ratio | 58.0542% | 3,655 |
| Assets per employee ($millions) | 5.5967% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3622% | 1,909 |
| 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 | 71.6185% | 1,722 |
| Net loans and leases to deposits | 82.2636% | 2,068 |
| Net loans and leases to core deposits | 83.0817% | 2,577 |
| Total domestic deposits to total assets | 87.0599% | 1,644 |
| Equity capital to assets | 9.9084% | 3,315 |
| Core capital (leverage) ratio | 9.6699% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $319,132,250 | 2,175 |
| Average earning assets | $300,462,750 | 2,148 |
| Average equity | $30,619,250 | 2,441 |
| Average total loans | $245,311,500 | 1,949 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4603% | 2,032 |
| Cost of funding earning assets | 0.6075% | 2,928 |
| Net interest margin | 3.8528% | 1,688 |
| Noninterest income to average assets | 0.8705% | 1,236 |
| Noninterest expense to average assets | 2.5437% | 2,846 |
| Loan and lease loss provision to assets | 0.3804% | 1,088 |
| Net operating income to assets | 1.5255% | 884 |
| Return on assets (ROA) | 1.5255% | 959 |
| Pretax return on assets | 1.5692% | 1,296 |
| Return on Equity (ROE) | 16.0831% | 553 |
| Retained earnings to average equity (ytd only) | 16.0831% | 169 |
| Net charge-offs to loans | 0.0065% | 2,734 |
| Credit loss provision to net charge-offs | 7,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 384.3750% | 267 |
| Efficiency ratio | 56.6107% | 3,876 |
| Assets per employee ($millions) | 5.7037% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2456% | 2,278 |
| 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 | 75.8606% | 1,157 |
| Net loans and leases to deposits | 87.4975% | 1,612 |
| Net loans and leases to core deposits | 88.9542% | 2,162 |
| Total domestic deposits to total assets | 86.7004% | 1,732 |
| Equity capital to assets | 9.3661% | 3,764 |
| Core capital (leverage) ratio | 9.4056% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $315,441,333 | 2,174 |
| Average earning assets | $296,617,333 | 2,145 |
| Average equity | $29,919,667 | 2,471 |
| Average total loans | $247,164,000 | 1,923 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3439% | 2,787 |
| Cost of funding earning assets | 0.8008% | 2,392 |
| Net interest margin | 3.5431% | 2,836 |
| Noninterest income to average assets | 0.9065% | 1,054 |
| Noninterest expense to average assets | 2.4874% | 3,310 |
| Loan and lease loss provision to assets | 0.0328% | 3,359 |
| Net operating income to assets | 1.6543% | 557 |
| Return on assets (ROA) | 1.6543% | 614 |
| Pretax return on assets | 1.6950% | 864 |
| Return on Equity (ROE) | 17.3214% | 306 |
| Retained earnings to average equity (ytd only) | 17.3214% | 100 |
| Net charge-offs to loans | -0.0033% | 3,744 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0103% | 3,870 |
| Assets per employee ($millions) | 5.6142% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0798% | 3,314 |
| 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 | 78.7668% | 865 |
| Net loans and leases to deposits | 88.1706% | 1,739 |
| Net loans and leases to core deposits | 89.8879% | 2,357 |
| Total domestic deposits to total assets | 89.3345% | 536 |
| Equity capital to assets | 9.5314% | 4,183 |
| Core capital (leverage) ratio | 10.0098% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $304,901,500 | 2,176 |
| Average earning assets | $284,723,500 | 2,167 |
| Average equity | $29,120,000 | 2,507 |
| Average total loans | $241,492,500 | 1,916 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5899% | 2,654 |
| Cost of funding earning assets | 0.9799% | 1,814 |
| Net interest margin | 3.6100% | 3,102 |
| Noninterest income to average assets | 0.8845% | 1,206 |
| Noninterest expense to average assets | 2.6589% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5296% | 991 |
| Return on assets (ROA) | 1.5309% | 1,039 |
| Pretax return on assets | 1.5744% | 1,570 |
| Return on Equity (ROE) | 15.3051% | 630 |
| Retained earnings to average equity (ytd only) | 3.1389% | 3,456 |
| Net charge-offs to loans | 0.0192% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 105.2093% | 654 |
| Efficiency ratio | 62.8297% | 3,240 |
| Assets per employee ($millions) | 4.7035% | 2,943 |
| Cash dividends to net income (ytd only)* | 79.4913% | 819 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1083% | 2,905 |
| 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 | 77.8964% | 1,097 |
| Net loans and leases to deposits | 87.5046% | 1,911 |
| Net loans and leases to core deposits | 89.4428% | 2,472 |
| Total domestic deposits to total assets | 89.0198% | 665 |
| Equity capital to assets | 9.5704% | 4,293 |
| Core capital (leverage) ratio | 10.1257% | 3,383 |
| Tier 1 risk-based capital ratio | 11.2566% | 4,753 |
| Total risk-based capital ratio | 12.3087% | 4,731 |
| Memoranda: |
| Average total assets | $287,604,600 | 2,240 |
| Average earning assets | $266,673,200 | 2,235 |
| Average equity | $28,768,200 | 2,459 |
| Average total loans | $224,404,400 | 1,996 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6740% | 2,491 |
| Cost of funding earning assets | 1.0086% | 1,725 |
| Net interest margin | 3.6654% | 3,045 |
| Noninterest income to average assets | 0.8785% | 1,195 |
| Noninterest expense to average assets | 2.6924% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5372% | 1,098 |
| Return on assets (ROA) | 1.5390% | 1,141 |
| Pretax return on assets | 1.5835% | 1,689 |
| Return on Equity (ROE) | 15.2116% | 732 |
| Retained earnings to average equity (ytd only) | 10.5754% | 608 |
| Net charge-offs to loans | 0.0169% | 2,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 120.4364% | 645 |
| Efficiency ratio | 62.9939% | 3,165 |
| Assets per employee ($millions) | 4.6152% | 3,026 |
| Cash dividends to net income (ytd only)* | 30.4785% | 2,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2521% | 2,226 |
| 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 | 75.2764% | 1,607 |
| Net loans and leases to deposits | 85.7494% | 2,224 |
| Net loans and leases to core deposits | 88.1343% | 2,715 |
| Total domestic deposits to total assets | 87.7864% | 1,134 |
| Equity capital to assets | 10.8771% | 3,225 |
| Core capital (leverage) ratio | 10.8840% | 2,754 |
| Tier 1 risk-based capital ratio | 12.9928% | 3,852 |
| Total risk-based capital ratio | 14.1579% | 3,795 |
| Memoranda: |
| Average total assets | $284,250,000 | 2,270 |
| Average earning assets | $263,320,750 | 2,266 |
| Average equity | $28,758,000 | 2,476 |
| Average total loans | $221,227,000 | 2,032 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5968% | 2,689 |
| Cost of funding earning assets | 0.9899% | 1,742 |
| Net interest margin | 3.6069% | 3,233 |
| Noninterest income to average assets | 0.8504% | 1,206 |
| Noninterest expense to average assets | 2.7081% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4630% | 1,253 |
| Return on assets (ROA) | 1.4657% | 1,300 |
| Pretax return on assets | 1.5103% | 1,827 |
| Return on Equity (ROE) | 14.8460% | 793 |
| Retained earnings to average equity (ytd only) | 7.7798% | 1,481 |
| Net charge-offs to loans | 0.0232% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 83.1154% | 790 |
| Efficiency ratio | 64.2396% | 3,091 |
| Assets per employee ($millions) | 4.3547% | 3,356 |
| Cash dividends to net income (ytd only)* | 47.5964% | 1,904 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2110% | 2,468 |
| 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 | 77.4183% | 1,324 |
| Net loans and leases to deposits | 87.2811% | 2,087 |
| Net loans and leases to core deposits | 89.2107% | 2,669 |
| Total domestic deposits to total assets | 88.7000% | 787 |
| Equity capital to assets | 10.3764% | 3,629 |
| Core capital (leverage) ratio | 10.2859% | 3,299 |
| Tier 1 risk-based capital ratio | 12.1711% | 4,316 |
| Total risk-based capital ratio | 13.3079% | 4,270 |
| Memoranda: |
| Average total assets | $286,695,670 | 2,257 |
| Average earning assets | $267,489,000 | 2,248 |
| Average equity | $28,304,000 | 2,496 |
| Average total loans | $224,605,000 | 2,011 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4807% | 2,934 |
| Cost of funding earning assets | 0.9809% | 1,651 |
| Net interest margin | 3.4998% | 3,593 |
| Noninterest income to average assets | 0.8146% | 1,255 |
| Noninterest expense to average assets | 2.7782% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2468% | 1,902 |
| Return on assets (ROA) | 1.2522% | 1,926 |
| Pretax return on assets | 1.2921% | 2,488 |
| Return on Equity (ROE) | 13.0016% | 1,217 |
| Retained earnings to average equity (ytd only) | 13.0016% | 463 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3480% | 2,593 |
| Assets per employee ($millions) | 4.5000% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1847% | 2,664 |
| 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 | 77.3546% | 1,263 |
| Net loans and leases to deposits | 87.5593% | 1,929 |
| Net loans and leases to core deposits | 91.4990% | 2,345 |
| Total domestic deposits to total assets | 88.3454% | 1,157 |
| Equity capital to assets | 9.9220% | 3,901 |
| Core capital (leverage) ratio | 10.2862% | 3,291 |
| Tier 1 risk-based capital ratio | 11.6706% | 4,640 |
| Total risk-based capital ratio | 12.7784% | 4,620 |
| Memoranda: |
| Average total assets | $290,694,000 | 2,246 |
| Average earning assets | $269,957,500 | 2,245 |
| Average equity | $27,996,500 | 2,520 |
| Average total loans | $227,703,000 | 2,008 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4662% | 2,560 |
| Cost of funding earning assets | 0.6507% | 2,389 |
| Net interest margin | 3.8155% | 2,613 |
| Noninterest income to average assets | 0.8641% | 1,281 |
| Noninterest expense to average assets | 2.7925% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5771% | 933 |
| Return on assets (ROA) | 1.5669% | 945 |
| Pretax return on assets | 1.6082% | 1,443 |
| Return on Equity (ROE) | 16.1800% | 593 |
| Retained earnings to average equity (ytd only) | 1.3757% | 4,581 |
| Net charge-offs to loans | -0.0023% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3056% | 3,286 |
| Assets per employee ($millions) | 4.3146% | 3,439 |
| Cash dividends to net income (ytd only)* | 91.4974% | 405 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1615% | 2,761 |
| 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 | 77.4683% | 1,358 |
| Net loans and leases to deposits | 91.3389% | 1,624 |
| Net loans and leases to core deposits | 93.5761% | 2,268 |
| Total domestic deposits to total assets | 84.8141% | 2,726 |
| Equity capital to assets | 9.3452% | 4,275 |
| Core capital (leverage) ratio | 9.8545% | 3,740 |
| Tier 1 risk-based capital ratio | 10.9246% | 5,007 |
| Total risk-based capital ratio | 11.9956% | 4,984 |
| Memoranda: |
| Average total assets | $285,977,600 | 2,228 |
| Average earning assets | $265,862,600 | 2,221 |
| Average equity | $27,694,600 | 2,471 |
| Average total loans | $220,449,400 | 2,020 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4002% | 2,625 |
| Cost of funding earning assets | 0.6008% | 2,470 |
| Net interest margin | 3.7994% | 2,649 |
| Noninterest income to average assets | 0.8672% | 1,291 |
| Noninterest expense to average assets | 2.7203% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6515% | 838 |
| Return on assets (ROA) | 1.6377% | 876 |
| Pretax return on assets | 1.6790% | 1,325 |
| Return on Equity (ROE) | 16.7601% | 576 |
| Retained earnings to average equity (ytd only) | 5.2345% | 3,097 |
| Net charge-offs to loans | -0.0037% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6374% | 3,565 |
| Assets per employee ($millions) | 4.0691% | 3,783 |
| Cash dividends to net income (ytd only)* | 68.7679% | 895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2252% | 2,482 |
| 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 | 77.8496% | 1,365 |
| Net loans and leases to deposits | 91.8910% | 1,638 |
| Net loans and leases to core deposits | 94.4747% | 2,247 |
| Total domestic deposits to total assets | 84.7195% | 2,714 |
| Equity capital to assets | 10.1067% | 3,536 |
| Core capital (leverage) ratio | 10.1789% | 3,432 |
| Tier 1 risk-based capital ratio | 11.5983% | 4,734 |
| Total risk-based capital ratio | 12.7075% | 4,698 |
| Memoranda: |
| Average total assets | $284,124,250 | 2,253 |
| Average earning assets | $265,190,500 | 2,236 |
| Average equity | $27,763,750 | 2,478 |
| Average total loans | $218,072,750 | 2,051 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3339% | 2,651 |
| Cost of funding earning assets | 0.5497% | 2,612 |
| Net interest margin | 3.7842% | 2,623 |
| Noninterest income to average assets | 0.8583% | 1,293 |
| Noninterest expense to average assets | 2.6951% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6479% | 807 |
| Return on assets (ROA) | 1.6274% | 857 |
| Pretax return on assets | 1.6685% | 1,301 |
| Return on Equity (ROE) | 16.8396% | 543 |
| Retained earnings to average equity (ytd only) | 6.7301% | 2,198 |
| Net charge-offs to loans | -0.0064% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4675% | 3,695 |
| Assets per employee ($millions) | 4.1845% | 3,604 |
| Cash dividends to net income (ytd only)* | 60.0343% | 1,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1937% | 2,765 |
| Loan loss allowance to noncurrent loans | 38,185.7143% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,053 |
| Noncurrent loans to loans | 0.0031% | 4,959 |
| Net loans and leases to total assets | 76.6270% | 1,546 |
| Net loans and leases to deposits | 93.3212% | 1,436 |
| Net loans and leases to core deposits | 96.0061% | 2,056 |
| Total domestic deposits to total assets | 82.1110% | 3,681 |
| Equity capital to assets | 9.6602% | 3,956 |
| Core capital (leverage) ratio | 9.9423% | 3,642 |
| Tier 1 risk-based capital ratio | 11.1544% | 4,965 |
| Total risk-based capital ratio | 12.2275% | 4,960 |
| Memoranda: |
| Average total assets | $286,599,330 | 2,245 |
| Average earning assets | $267,055,670 | 2,233 |
| Average equity | $27,696,670 | 2,489 |
| Average total loans | $218,070,000 | 2,053 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2365% | 2,760 |
| Cost of funding earning assets | 0.5012% | 2,786 |
| Net interest margin | 3.7354% | 2,666 |
| Noninterest income to average assets | 0.8573% | 1,274 |
| Noninterest expense to average assets | 2.6827% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6098% | 840 |
| Return on assets (ROA) | 1.5690% | 932 |
| Pretax return on assets | 1.6096% | 1,368 |
| Return on Equity (ROE) | 16.2325% | 586 |
| Retained earnings to average equity (ytd only) | 16.2325% | 235 |
| Net charge-offs to loans | -0.0074% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8940% | 3,804 |
| Assets per employee ($millions) | 4.0247% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2406% | 2,575 |
| 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 | 75.4450% | 1,630 |
| Net loans and leases to deposits | 87.5543% | 1,990 |
| Net loans and leases to core deposits | 90.2257% | 2,430 |
| Total domestic deposits to total assets | 86.1694% | 2,468 |
| Equity capital to assets | 9.9549% | 3,642 |
| Core capital (leverage) ratio | 10.1691% | 3,338 |
| Tier 1 risk-based capital ratio | 11.5899% | 4,814 |
| Total risk-based capital ratio | 12.6962% | 4,784 |
| Memoranda: |
| Average total assets | $285,533,500 | 2,278 |
| Average earning assets | $265,784,500 | 2,265 |
| Average equity | $27,599,000 | 2,519 |
| Average total loans | $215,145,500 | 2,081 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9879% | 3,443 |
| Cost of funding earning assets | 0.4152% | 3,095 |
| Net interest margin | 3.5728% | 3,255 |
| Noninterest income to average assets | 0.8882% | 1,307 |
| Noninterest expense to average assets | 2.9054% | 2,438 |
| Loan and lease loss provision to assets | 0.0145% | 4,003 |
| Net operating income to assets | 1.2531% | 1,353 |
| Return on assets (ROA) | 1.2588% | 1,356 |
| Pretax return on assets | 1.2967% | 2,367 |
| Return on Equity (ROE) | 13.1982% | 908 |
| Retained earnings to average equity (ytd only) | 2.9641% | 3,523 |
| Net charge-offs to loans | 0.0005% | 4,115 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 3,611.0000% | 17 |
| Efficiency ratio | 68.9990% | 2,701 |
| Assets per employee ($millions) | 4.5926% | 3,041 |
| Cash dividends to net income (ytd only)* | 77.5416% | 921 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2396% | 2,537 |
| Loan loss allowance to noncurrent loans | 266,600.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,203 |
| Noncurrent loans to loans | 0.0005% | 5,080 |
| Net loans and leases to total assets | 73.4105% | 2,021 |
| Net loans and leases to deposits | 82.7979% | 2,633 |
| Net loans and leases to core deposits | 85.6315% | 2,938 |
| Total domestic deposits to total assets | 88.6623% | 1,167 |
| Equity capital to assets | 9.3842% | 4,350 |
| Core capital (leverage) ratio | 9.9489% | 3,520 |
| Tier 1 risk-based capital ratio | 11.0270% | 5,133 |
| Total risk-based capital ratio | 12.1210% | 5,111 |
| Memoranda: |
| Average total assets | $276,622,600 | 2,306 |
| Average earning assets | $257,251,200 | 2,300 |
| Average equity | $26,382,400 | 2,587 |
| Average total loans | $203,074,800 | 2,133 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9865% | 3,398 |
| Cost of funding earning assets | 0.4130% | 3,060 |
| Net interest margin | 3.5735% | 3,250 |
| Noninterest income to average assets | 0.8864% | 1,316 |
| Noninterest expense to average assets | 2.8958% | 2,424 |
| Loan and lease loss provision to assets | 0.0195% | 3,749 |
| Net operating income to assets | 1.2529% | 1,501 |
| Return on assets (ROA) | 1.2604% | 1,497 |
| Pretax return on assets | 1.3033% | 2,475 |
| Return on Equity (ROE) | 13.1599% | 1,021 |
| Retained earnings to average equity (ytd only) | -0.5855% | 5,304 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7703% | 2,744 |
| Assets per employee ($millions) | 4.3194% | 3,439 |
| Cash dividends to net income (ytd only)* | 104.4488% | 263 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3486% | 2,127 |
| Loan loss allowance to noncurrent loans | 133,350.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,281 |
| Noncurrent loans to loans | 0.0010% | 5,167 |
| Net loans and leases to total assets | 70.5711% | 2,475 |
| Net loans and leases to deposits | 80.3321% | 2,940 |
| Net loans and leases to core deposits | 83.0831% | 3,206 |
| Total domestic deposits to total assets | 87.8492% | 1,445 |
| Equity capital to assets | 9.6624% | 4,282 |
| Core capital (leverage) ratio | 9.7532% | 3,878 |
| Tier 1 risk-based capital ratio | 11.4693% | 4,977 |
| Total risk-based capital ratio | 12.6457% | 4,903 |
| Memoranda: |
| Average total assets | $273,444,250 | 2,342 |
| Average earning assets | $254,388,000 | 2,339 |
| Average equity | $26,190,000 | 2,620 |
| Average total loans | $200,076,250 | 2,162 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9462% | 3,383 |
| Cost of funding earning assets | 0.4089% | 2,988 |
| Net interest margin | 3.5373% | 3,264 |
| Noninterest income to average assets | 0.8897% | 1,300 |
| Noninterest expense to average assets | 2.9848% | 2,159 |
| Loan and lease loss provision to assets | 0.0294% | 3,412 |
| Net operating income to assets | 1.1165% | 1,900 |
| Return on assets (ROA) | 1.1151% | 1,954 |
| Pretax return on assets | 1.1577% | 2,948 |
| Return on Equity (ROE) | 11.6773% | 1,395 |
| Retained earnings to average equity (ytd only) | -5.2352% | 5,542 |
| Net charge-offs to loans | -0.0020% | 4,184 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5215% | 2,434 |
| Assets per employee ($millions) | 4.2822% | 3,464 |
| Cash dividends to net income (ytd only)* | 144.8321% | 171 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3538% | 2,155 |
| Loan loss allowance to noncurrent loans | 33,362.5000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,301 |
| Noncurrent loans to loans | 0.0041% | 5,183 |
| Net loans and leases to total assets | 72.0902% | 2,186 |
| Net loans and leases to deposits | 81.7487% | 2,723 |
| Net loans and leases to core deposits | 85.1648% | 2,958 |
| Total domestic deposits to total assets | 88.1852% | 1,360 |
| Equity capital to assets | 9.7253% | 4,201 |
| Core capital (leverage) ratio | 9.5402% | 4,086 |
| Tier 1 risk-based capital ratio | 11.2760% | 5,104 |
| Total risk-based capital ratio | 12.4591% | 5,031 |
| Memoranda: |
| Average total assets | $272,444,670 | 2,356 |
| Average earning assets | $252,901,670 | 2,360 |
| Average equity | $26,016,330 | 2,632 |
| Average total loans | $200,849,670 | 2,161 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8445% | 3,603 |
| Cost of funding earning assets | 0.3996% | 2,999 |
| Net interest margin | 3.4449% | 3,469 |
| Noninterest income to average assets | 0.9015% | 1,236 |
| Noninterest expense to average assets | 2.9425% | 2,324 |
| Loan and lease loss provision to assets | 0.0584% | 2,638 |
| Net operating income to assets | 1.0446% | 2,092 |
| Return on assets (ROA) | 1.0446% | 2,145 |
| Pretax return on assets | 1.0870% | 3,037 |
| Return on Equity (ROE) | 11.0399% | 1,547 |
| Retained earnings to average equity (ytd only) | -22.9291% | 5,758 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9800% | 2,581 |
| Assets per employee ($millions) | 4.4284% | 3,283 |
| Cash dividends to net income (ytd only)* | 307.6923% | 96 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3353% | 2,359 |
| Loan loss allowance to noncurrent loans | 266,700.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,398 |
| Noncurrent loans to loans | 0.0005% | 5,282 |
| Net loans and leases to total assets | 72.9495% | 1,924 |
| Net loans and leases to deposits | 82.6793% | 2,438 |
| Net loans and leases to core deposits | 86.2793% | 2,688 |
| Total domestic deposits to total assets | 88.2318% | 1,569 |
| Equity capital to assets | 9.3227% | 4,486 |
| Core capital (leverage) ratio | 9.3350% | 4,300 |
| Tier 1 risk-based capital ratio | 10.9417% | 5,339 |
| Total risk-based capital ratio | 12.1259% | 5,296 |
| Memoranda: |
| Average total assets | $273,777,000 | 2,370 |
| Average earning assets | $253,247,000 | 2,373 |
| Average equity | $25,906,000 | 2,648 |
| Average total loans | $202,697,500 | 2,155 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9912% | 3,218 |
| Cost of funding earning assets | 0.3581% | 3,433 |
| Net interest margin | 3.6330% | 2,948 |
| Noninterest income to average assets | 0.9024% | 1,405 |
| Noninterest expense to average assets | 2.9523% | 2,489 |
| Loan and lease loss provision to assets | 0.0898% | 2,571 |
| Net operating income to assets | 1.1911% | 1,538 |
| Return on assets (ROA) | 1.2066% | 1,570 |
| Pretax return on assets | 1.2504% | 2,472 |
| Return on Equity (ROE) | 12.1563% | 1,198 |
| Retained earnings to average equity (ytd only) | 6.5022% | 1,457 |
| Net charge-offs to loans | -0.0015% | 4,683 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0376% | 3,066 |
| Assets per employee ($millions) | 4.1406% | 3,722 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,492 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2773% | 2,665 |
| 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 | 73.1886% | 1,978 |
| Net loans and leases to deposits | 82.6662% | 2,590 |
| Net loans and leases to core deposits | 87.0250% | 2,765 |
| Total domestic deposits to total assets | 88.5350% | 1,364 |
| Equity capital to assets | 9.5985% | 4,170 |
| Core capital (leverage) ratio | 10.0636% | 3,410 |
| Tier 1 risk-based capital ratio | 11.5183% | 5,048 |
| Total risk-based capital ratio | 12.6702% | 5,006 |
| Memoranda: |
| Average total assets | $267,284,800 | 2,381 |
| Average earning assets | $248,223,200 | 2,372 |
| Average equity | $26,529,400 | 2,599 |
| Average total loans | $205,435,200 | 2,078 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0680% | 2,992 |
| Cost of funding earning assets | 0.3583% | 3,451 |
| Net interest margin | 3.7097% | 2,679 |
| Noninterest income to average assets | 0.9055% | 1,389 |
| Noninterest expense to average assets | 2.9451% | 2,482 |
| Loan and lease loss provision to assets | 0.0906% | 2,414 |
| Net operating income to assets | 1.2783% | 1,356 |
| Return on assets (ROA) | 1.2993% | 1,393 |
| Pretax return on assets | 1.3436% | 2,259 |
| Return on Equity (ROE) | 12.9785% | 1,065 |
| Retained earnings to average equity (ytd only) | 12.9785% | 221 |
| Net charge-offs to loans | -0.0026% | 4,516 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5835% | 3,305 |
| Assets per employee ($millions) | 4.2479% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2819% | 2,785 |
| 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 | 75.0867% | 1,687 |
| Net loans and leases to deposits | 86.3231% | 2,229 |
| Net loans and leases to core deposits | 91.6453% | 2,427 |
| Total domestic deposits to total assets | 86.9833% | 1,906 |
| Equity capital to assets | 10.5141% | 3,549 |
| Core capital (leverage) ratio | 10.5090% | 2,991 |
| Tier 1 risk-based capital ratio | 12.2808% | 4,621 |
| Total risk-based capital ratio | 13.4432% | 4,572 |
| Memoranda: |
| Average total assets | $264,751,250 | 2,405 |
| Average earning assets | $246,374,000 | 2,398 |
| Average equity | $26,504,750 | 2,618 |
| Average total loans | $205,377,500 | 2,088 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0929% | 2,892 |
| Cost of funding earning assets | 0.3532% | 3,530 |
| Net interest margin | 3.7397% | 2,553 |
| Noninterest income to average assets | 0.8748% | 1,456 |
| Noninterest expense to average assets | 2.8792% | 2,745 |
| Loan and lease loss provision to assets | 0.0912% | 2,322 |
| Net operating income to assets | 1.3425% | 1,183 |
| Return on assets (ROA) | 1.3740% | 1,181 |
| Pretax return on assets | 1.4185% | 1,952 |
| Return on Equity (ROE) | 13.9567% | 838 |
| Retained earnings to average equity (ytd only) | 13.9567% | 192 |
| Net charge-offs to loans | -0.0019% | 4,374 |
| Credit loss provision to net charge-offs | -6,050.0000% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0897% | 3,671 |
| Assets per employee ($millions) | 4.2271% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2036% | 3,337 |
| Loan loss allowance to noncurrent loans | 626.7500% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 4,888 |
| Noncurrent loans to loans | 0.1920% | 4,668 |
| Net loans and leases to total assets | 79.8085% | 939 |
| Net loans and leases to deposits | 91.1128% | 1,619 |
| Net loans and leases to core deposits | 95.7559% | 1,998 |
| Total domestic deposits to total assets | 87.5931% | 1,628 |
| Equity capital to assets | 10.4640% | 3,678 |
| Core capital (leverage) ratio | 10.2297% | 3,294 |
| Tier 1 risk-based capital ratio | 11.6409% | 5,064 |
| Total risk-based capital ratio | 12.7475% | 5,043 |
| Memoranda: |
| Average total assets | $265,212,000 | 2,424 |
| Average earning assets | $246,916,000 | 2,408 |
| Average equity | $26,109,330 | 2,660 |
| Average total loans | $207,062,330 | 2,080 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0653% | 2,983 |
| Cost of funding earning assets | 0.3476% | 3,624 |
| Net interest margin | 3.7177% | 2,598 |
| Noninterest income to average assets | 0.8509% | 1,439 |
| Noninterest expense to average assets | 2.8145% | 3,016 |
| Loan and lease loss provision to assets | 0.0893% | 2,191 |
| Net operating income to assets | 1.3586% | 1,118 |
| Return on assets (ROA) | 1.4207% | 1,057 |
| Pretax return on assets | 1.4638% | 1,706 |
| Return on Equity (ROE) | 14.8794% | 693 |
| Retained earnings to average equity (ytd only) | 14.8794% | 258 |
| Net charge-offs to loans | -0.0039% | 4,224 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3992% | 3,896 |
| Assets per employee ($millions) | 4.2600% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1997% | 3,484 |
| Loan loss allowance to noncurrent loans | 2,547.9167% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 5,482 |
| Noncurrent loans to loans | 0.0471% | 5,299 |
| Net loans and leases to total assets | 77.5142% | 1,164 |
| Net loans and leases to deposits | 88.0430% | 1,824 |
| Net loans and leases to core deposits | 92.4653% | 2,140 |
| Total domestic deposits to total assets | 88.0413% | 1,619 |
| Equity capital to assets | 10.0576% | 4,002 |
| Core capital (leverage) ratio | 9.6733% | 3,942 |
| Tier 1 risk-based capital ratio | 11.3689% | 5,298 |
| Total risk-based capital ratio | 12.4590% | 5,299 |
| Memoranda: |
| Average total assets | $268,890,000 | 2,394 |
| Average earning assets | $249,723,000 | 2,385 |
| Average equity | $25,673,000 | 2,691 |
| Average total loans | $206,444,500 | 2,087 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8545% | 3,868 |
| Cost of funding earning assets | 0.3046% | 4,196 |
| Net interest margin | 3.5499% | 3,326 |
| Noninterest income to average assets | 0.9190% | 1,382 |
| Noninterest expense to average assets | 2.8696% | 2,965 |
| Loan and lease loss provision to assets | 0.1024% | 2,276 |
| Net operating income to assets | 1.2118% | 1,513 |
| Return on assets (ROA) | 1.2976% | 1,320 |
| Pretax return on assets | 1.3397% | 2,132 |
| Return on Equity (ROE) | 14.1484% | 819 |
| Retained earnings to average equity (ytd only) | 5.3730% | 2,154 |
| Net charge-offs to loans | 0.0851% | 2,614 |
| Credit loss provision to net charge-offs | 168.6747% | 1,600 |
| Earnings coverage of net charge-offs (x) | 22.2892% | 1,779 |
| Efficiency ratio | 67.9487% | 3,580 |
| Assets per employee ($millions) | 4.5560% | 2,952 |
| Cash dividends to net income (ytd only)* | 62.0242% | 1,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1406% | 3,805 |
| Loan loss allowance to noncurrent loans | 1,001.6807% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 5,287 |
| Noncurrent loans to loans | 0.1139% | 5,044 |
| Net loans and leases to total assets | 74.3489% | 1,669 |
| Net loans and leases to deposits | 83.6992% | 2,394 |
| Net loans and leases to core deposits | 87.6769% | 2,632 |
| Total domestic deposits to total assets | 88.8287% | 1,209 |
| Equity capital to assets | 9.0710% | 5,050 |
| Core capital (leverage) ratio | 9.3325% | 4,422 |
| Tier 1 risk-based capital ratio | 10.5488% | 5,752 |
| Total risk-based capital ratio | 11.5728% | 5,777 |
| Memoranda: |
| Average total assets | $273,344,000 | 2,312 |
| Average earning assets | $254,432,200 | 2,309 |
| Average equity | $25,070,000 | 2,687 |
| Average total loans | $195,055,000 | 2,122 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8511% | 3,933 |
| Cost of funding earning assets | 0.3103% | 4,226 |
| Net interest margin | 3.5408% | 3,381 |
| Noninterest income to average assets | 0.8498% | 1,618 |
| Noninterest expense to average assets | 2.8008% | 3,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3118% | 1,304 |
| Return on assets (ROA) | 1.3441% | 1,283 |
| Pretax return on assets | 1.3857% | 2,074 |
| Return on Equity (ROE) | 14.6139% | 790 |
| Retained earnings to average equity (ytd only) | 9.2881% | 795 |
| Net charge-offs to loans | 0.0021% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 920.3100% | 83 |
| Efficiency ratio | 67.4372% | 3,644 |
| Assets per employee ($millions) | 3.9640% | 3,947 |
| Cash dividends to net income (ytd only)* | 36.4431% | 2,496 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1889% | 3,719 |
| Loan loss allowance to noncurrent loans | 552.9268% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,489 |
| Noncurrent loans to loans | 0.2150% | 4,791 |
| Net loans and leases to total assets | 70.9401% | 2,245 |
| Net loans and leases to deposits | 80.6247% | 2,806 |
| Net loans and leases to core deposits | 83.9884% | 3,040 |
| Total domestic deposits to total assets | 87.9881% | 1,564 |
| Equity capital to assets | 9.7336% | 4,473 |
| Core capital (leverage) ratio | 9.4239% | 4,393 |
| Tier 1 risk-based capital ratio | 11.2897% | 5,493 |
| Total risk-based capital ratio | 12.3163% | 5,518 |
| Memoranda: |
| Average total assets | $272,200,500 | 2,336 |
| Average earning assets | $253,946,000 | 2,327 |
| Average equity | $25,035,000 | 2,713 |
| Average total loans | $191,565,500 | 2,163 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7845% | 4,118 |
| Cost of funding earning assets | 0.3119% | 4,260 |
| Net interest margin | 3.4726% | 3,611 |
| Noninterest income to average assets | 0.8214% | 1,696 |
| Noninterest expense to average assets | 2.7099% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3105% | 1,290 |
| Return on assets (ROA) | 1.3586% | 1,214 |
| Pretax return on assets | 1.3994% | 1,979 |
| Return on Equity (ROE) | 15.0547% | 721 |
| Retained earnings to average equity (ytd only) | 6.9782% | 1,712 |
| Net charge-offs to loans | -0.0031% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7504% | 3,876 |
| Assets per employee ($millions) | 3.9478% | 3,984 |
| Cash dividends to net income (ytd only)* | 53.6481% | 1,792 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1955% | 3,820 |
| Loan loss allowance to noncurrent loans | 545.0839% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 4,590 |
| Noncurrent loans to loans | 0.2193% | 4,902 |
| Net loans and leases to total assets | 71.0232% | 2,162 |
| Net loans and leases to deposits | 83.8578% | 2,327 |
| Net loans and leases to core deposits | 87.3483% | 2,623 |
| Total domestic deposits to total assets | 84.6948% | 3,252 |
| Equity capital to assets | 9.4017% | 4,775 |
| Core capital (leverage) ratio | 9.1280% | 4,778 |
| Tier 1 risk-based capital ratio | 10.9733% | 5,721 |
| Total risk-based capital ratio | 12.0097% | 5,758 |
| Memoranda: |
| Average total assets | $274,405,330 | 2,342 |
| Average earning assets | $255,886,330 | 2,327 |
| Average equity | $24,763,000 | 2,740 |
| Average total loans | $191,862,670 | 2,165 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7724% | 4,122 |
| Cost of funding earning assets | 0.3109% | 4,320 |
| Net interest margin | 3.4615% | 3,575 |
| Noninterest income to average assets | 0.7890% | 1,753 |
| Noninterest expense to average assets | 2.6890% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2844% | 1,328 |
| Return on assets (ROA) | 1.3789% | 1,128 |
| Pretax return on assets | 1.4175% | 1,826 |
| Return on Equity (ROE) | 15.5885% | 619 |
| Retained earnings to average equity (ytd only) | 15.5885% | 239 |
| Net charge-offs to loans | -0.0042% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0714% | 3,981 |
| Assets per employee ($millions) | 4.0797% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2189% | 3,846 |
| Loan loss allowance to noncurrent loans | 554.1463% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 4,745 |
| Noncurrent loans to loans | 0.2200% | 4,988 |
| Net loans and leases to total assets | 67.3588% | 2,552 |
| Net loans and leases to deposits | 76.3744% | 3,008 |
| Net loans and leases to core deposits | 79.7469% | 3,197 |
| Total domestic deposits to total assets | 88.1956% | 1,713 |
| Equity capital to assets | 9.2241% | 5,053 |
| Core capital (leverage) ratio | 8.9594% | 4,999 |
| Tier 1 risk-based capital ratio | 10.6666% | 5,950 |
| Total risk-based capital ratio | 11.6696% | 5,994 |
| Memoranda: |
| Average total assets | $279,355,500 | 2,316 |
| Average earning assets | $259,885,500 | 2,314 |
| Average equity | $24,710,500 | 2,771 |
| Average total loans | $192,727,500 | 2,152 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7910% | 4,523 |
| Cost of funding earning assets | 0.3545% | 4,205 |
| Net interest margin | 3.4365% | 4,038 |
| Noninterest income to average assets | 0.7939% | 1,903 |
| Noninterest expense to average assets | 2.8987% | 3,156 |
| Loan and lease loss provision to assets | 0.0731% | 3,017 |
| Net operating income to assets | 0.9643% | 2,563 |
| Return on assets (ROA) | 0.9806% | 2,557 |
| Pretax return on assets | 1.0191% | 3,421 |
| Return on Equity (ROE) | 10.6098% | 1,857 |
| Retained earnings to average equity (ytd only) | -9.2662% | 6,294 |
| Net charge-offs to loans | 0.0234% | 4,370 |
| Credit loss provision to net charge-offs | 473.8095% | 555 |
| Earnings coverage of net charge-offs (x) | 69.6905% | 710 |
| Efficiency ratio | 72.9407% | 3,049 |
| Assets per employee ($millions) | 4.4589% | 3,100 |
| Cash dividends to net income (ytd only)* | 187.3361% | 96 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1403% | 4,332 |
| Loan loss allowance to noncurrent loans | 540.4762% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 4,835 |
| Noncurrent loans to loans | 0.2110% | 5,060 |
| Net loans and leases to total assets | 68.9609% | 2,401 |
| Net loans and leases to deposits | 78.7527% | 2,875 |
| Net loans and leases to core deposits | 82.1026% | 3,096 |
| Total domestic deposits to total assets | 87.5664% | 1,994 |
| Equity capital to assets | 8.4830% | 5,770 |
| Core capital (leverage) ratio | 8.5752% | 5,473 |
| Tier 1 risk-based capital ratio | 9.3479% | 6,372 |
| Total risk-based capital ratio | 10.2620% | 6,396 |
| Memoranda: |
| Average total assets | $272,188,400 | 2,345 |
| Average earning assets | $251,882,800 | 2,333 |
| Average equity | $25,156,000 | 2,644 |
| Average total loans | $179,536,600 | 2,230 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7808% | 4,615 |
| Cost of funding earning assets | 0.3638% | 4,196 |
| Net interest margin | 3.4169% | 4,163 |
| Noninterest income to average assets | 0.7934% | 1,921 |
| Noninterest expense to average assets | 2.9225% | 3,044 |
| Loan and lease loss provision to assets | 0.0739% | 2,863 |
| Net operating income to assets | 0.9248% | 2,799 |
| Return on assets (ROA) | 0.9248% | 2,893 |
| Pretax return on assets | 0.9634% | 3,746 |
| Return on Equity (ROE) | 9.7925% | 2,316 |
| Retained earnings to average equity (ytd only) | -11.2102% | 6,400 |
| Net charge-offs to loans | 0.0328% | 3,826 |
| Credit loss provision to net charge-offs | 346.5116% | 809 |
| Earnings coverage of net charge-offs (x) | 48.6527% | 997 |
| Efficiency ratio | 73.8042% | 2,850 |
| Assets per employee ($millions) | 4.1088% | 3,646 |
| Cash dividends to net income (ytd only)* | 214.4776% | 80 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2394% | 4,026 |
| Loan loss allowance to noncurrent loans | 261.9835% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 5,023 |
| Noncurrent loans to loans | 0.4731% | 4,485 |
| Net loans and leases to total assets | 65.2044% | 2,996 |
| Net loans and leases to deposits | 75.3373% | 3,267 |
| Net loans and leases to core deposits | 78.9744% | 3,441 |
| Total domestic deposits to total assets | 86.5499% | 2,558 |
| Equity capital to assets | 9.0467% | 5,306 |
| Core capital (leverage) ratio | 8.7962% | 5,346 |
| Tier 1 risk-based capital ratio | 10.1642% | 6,307 |
| Total risk-based capital ratio | 11.1281% | 6,344 |
| Memoranda: |
| Average total assets | $268,892,500 | 2,383 |
| Average earning assets | $249,185,000 | 2,363 |
| Average equity | $25,393,000 | 2,633 |
| Average total loans | $174,654,500 | 2,297 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7375% | 4,740 |
| Cost of funding earning assets | 0.3690% | 4,226 |
| Net interest margin | 3.3685% | 4,321 |
| Noninterest income to average assets | 0.7899% | 1,880 |
| Noninterest expense to average assets | 2.9747% | 2,922 |
| Loan and lease loss provision to assets | 0.0746% | 2,785 |
| Net operating income to assets | 0.8138% | 3,262 |
| Return on assets (ROA) | 0.8138% | 3,365 |
| Pretax return on assets | 0.8526% | 4,068 |
| Return on Equity (ROE) | 8.4970% | 2,837 |
| Retained earnings to average equity (ytd only) | -22.6561% | 6,552 |
| Net charge-offs to loans | 0.0762% | 2,933 |
| Credit loss provision to net charge-offs | 151.5152% | 1,442 |
| Earnings coverage of net charge-offs (x) | 18.8333% | 1,656 |
| Efficiency ratio | 76.2378% | 2,580 |
| Assets per employee ($millions) | 4.1255% | 3,600 |
| Cash dividends to net income (ytd only)* | 366.6361% | 48 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2345% | 4,253 |
| Loan loss allowance to noncurrent loans | 247.0656% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 5,116 |
| Noncurrent loans to loans | 0.4997% | 4,498 |
| Net loans and leases to total assets | 62.1422% | 3,377 |
| Net loans and leases to deposits | 74.9399% | 3,200 |
| Net loans and leases to core deposits | 78.8218% | 3,339 |
| Total domestic deposits to total assets | 82.9227% | 4,334 |
| Equity capital to assets | 8.5717% | 5,742 |
| Core capital (leverage) ratio | 8.6194% | 5,513 |
| Tier 1 risk-based capital ratio | 10.1124% | 6,365 |
| Total risk-based capital ratio | 11.0720% | 6,414 |
| Memoranda: |
| Average total assets | $268,129,670 | 2,387 |
| Average earning assets | $247,706,330 | 2,381 |
| Average equity | $25,679,670 | 2,595 |
| Average total loans | $173,192,330 | 2,314 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8122% | 4,436 |
| Cost of funding earning assets | 0.3776% | 4,224 |
| Net interest margin | 3.4346% | 3,961 |
| Noninterest income to average assets | 0.7879% | 1,805 |
| Noninterest expense to average assets | 2.9971% | 2,861 |
| Loan and lease loss provision to assets | 0.0758% | 2,625 |
| Net operating income to assets | 0.8455% | 2,926 |
| Return on assets (ROA) | 0.8455% | 3,002 |
| Pretax return on assets | 0.8849% | 3,754 |
| Return on Equity (ROE) | 8.3680% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.3680% | 1,467 |
| Net charge-offs to loans | 0.1527% | 1,805 |
| Credit loss provision to net charge-offs | 75.7576% | 1,951 |
| Earnings coverage of net charge-offs (x) | 9.6061% | 1,923 |
| Efficiency ratio | 75.7274% | 2,844 |
| Assets per employee ($millions) | 4.0385% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2131% | 4,579 |
| Loan loss allowance to noncurrent loans | 220.5047% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 5,093 |
| Noncurrent loans to loans | 0.5501% | 4,512 |
| Net loans and leases to total assets | 64.0678% | 2,877 |
| Net loans and leases to deposits | 73.4159% | 3,139 |
| Net loans and leases to core deposits | 76.9264% | 3,314 |
| Total domestic deposits to total assets | 87.2670% | 2,656 |
| Equity capital to assets | 10.1439% | 3,667 |
| Core capital (leverage) ratio | 10.1172% | 3,407 |
| Tier 1 risk-based capital ratio | 11.9928% | 5,651 |
| Total risk-based capital ratio | 12.9592% | 5,749 |
| Memoranda: |
| Average total assets | $263,990,500 | 2,426 |
| Average earning assets | $243,637,500 | 2,408 |
| Average equity | $26,673,000 | 2,492 |
| Average total loans | $172,832,000 | 2,313 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7381% | 5,011 |
| Cost of funding earning assets | 0.4272% | 4,350 |
| Net interest margin | 3.3109% | 4,624 |
| Noninterest income to average assets | 0.9095% | 1,649 |
| Noninterest expense to average assets | 2.9379% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0003% | 2,321 |
| Return on assets (ROA) | 1.0366% | 2,243 |
| Pretax return on assets | 1.0776% | 3,043 |
| Return on Equity (ROE) | 10.5261% | 1,918 |
| Retained earnings to average equity (ytd only) | 10.5261% | 482 |
| Net charge-offs to loans | 0.0737% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 23.1826% | 1,421 |
| Efficiency ratio | 73.8602% | 3,150 |
| Assets per employee ($millions) | 4.4311% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2228% | 4,531 |
| Loan loss allowance to noncurrent loans | 219.6466% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 5,108 |
| Noncurrent loans to loans | 0.5567% | 4,600 |
| Net loans and leases to total assets | 65.2872% | 2,807 |
| Net loans and leases to deposits | 74.3233% | 3,218 |
| Net loans and leases to core deposits | 77.8289% | 3,389 |
| Total domestic deposits to total assets | 87.8422% | 2,275 |
| Equity capital to assets | 10.0628% | 3,680 |
| Core capital (leverage) ratio | 10.3136% | 3,132 |
| Tier 1 risk-based capital ratio | 11.5958% | 5,856 |
| Total risk-based capital ratio | 12.5574% | 5,955 |
| Memoranda: |
| Average total assets | $256,404,600 | 2,468 |
| Average earning assets | $237,606,200 | 2,444 |
| Average equity | $25,251,600 | 2,608 |
| Average total loans | $155,998,800 | 2,476 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7372% | 5,070 |
| Cost of funding earning assets | 0.4374% | 4,412 |
| Net interest margin | 3.2998% | 4,637 |
| Noninterest income to average assets | 0.8722% | 1,852 |
| Noninterest expense to average assets | 2.9201% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9724% | 2,496 |
| Return on assets (ROA) | 1.0211% | 2,380 |
| Pretax return on assets | 1.0618% | 3,261 |
| Return on Equity (ROE) | 10.4263% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.4263% | 705 |
| Net charge-offs to loans | 0.0834% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 20.3690% | 1,593 |
| Efficiency ratio | 74.2789% | 3,018 |
| Assets per employee ($millions) | 4.1961% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3892% | 3,942 |
| Loan loss allowance to noncurrent loans | 221.9563% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 4,610 |
| Noncurrent loans to loans | 0.6259% | 4,638 |
| Net loans and leases to total assets | 61.1564% | 3,498 |
| Net loans and leases to deposits | 71.3378% | 3,592 |
| Net loans and leases to core deposits | 74.8050% | 3,755 |
| Total domestic deposits to total assets | 85.7278% | 3,389 |
| Equity capital to assets | 10.3538% | 3,444 |
| Core capital (leverage) ratio | 10.1177% | 3,503 |
| Tier 1 risk-based capital ratio | 12.2192% | 5,627 |
| Total risk-based capital ratio | 13.2708% | 5,707 |
| Memoranda: |
| Average total assets | $255,146,500 | 2,497 |
| Average earning assets | $236,536,250 | 2,469 |
| Average equity | $24,987,500 | 2,653 |
| Average total loans | $151,799,000 | 2,547 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6804% | 5,209 |
| Cost of funding earning assets | 0.4439% | 4,496 |
| Net interest margin | 3.2366% | 4,817 |
| Noninterest income to average assets | 0.8600% | 1,967 |
| Noninterest expense to average assets | 2.8564% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9708% | 2,461 |
| Return on assets (ROA) | 1.0230% | 2,351 |
| Pretax return on assets | 1.0634% | 3,252 |
| Return on Equity (ROE) | 10.6409% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.6409% | 714 |
| Net charge-offs to loans | 0.0635% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 27.0833% | 1,224 |
| Efficiency ratio | 73.8956% | 3,155 |
| Assets per employee ($millions) | 4.1927% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3749% | 4,148 |
| Loan loss allowance to noncurrent loans | 205.0800% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 4,658 |
| Noncurrent loans to loans | 0.6704% | 4,595 |
| Net loans and leases to total assets | 62.1603% | 3,264 |
| Net loans and leases to deposits | 72.7252% | 3,355 |
| Net loans and leases to core deposits | 76.0185% | 3,539 |
| Total domestic deposits to total assets | 85.4729% | 3,655 |
| Equity capital to assets | 9.9279% | 4,004 |
| Core capital (leverage) ratio | 9.5642% | 4,135 |
| Tier 1 risk-based capital ratio | 11.6932% | 6,002 |
| Total risk-based capital ratio | 12.7479% | 6,077 |
| Memoranda: |
| Average total assets | $257,671,330 | 2,482 |
| Average earning assets | $239,267,000 | 2,452 |
| Average equity | $24,772,330 | 2,683 |
| Average total loans | $151,219,000 | 2,552 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6021% | 5,450 |
| Cost of funding earning assets | 0.4527% | 4,564 |
| Net interest margin | 3.1493% | 5,094 |
| Noninterest income to average assets | 0.8346% | 1,984 |
| Noninterest expense to average assets | 2.8689% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8392% | 2,953 |
| Return on assets (ROA) | 0.8392% | 3,096 |
| Pretax return on assets | 0.8791% | 3,842 |
| Return on Equity (ROE) | 8.8687% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.8687% | 1,424 |
| Net charge-offs to loans | 0.0488% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 31.8333% | 937 |
| Efficiency ratio | 76.5452% | 2,836 |
| Assets per employee ($millions) | 3.9733% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5185% | 3,746 |
| Loan loss allowance to noncurrent loans | 368.9482% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 5,308 |
| Noncurrent loans to loans | 0.4116% | 5,382 |
| Net loans and leases to total assets | 56.3642% | 4,027 |
| Net loans and leases to deposits | 64.2351% | 4,288 |
| Net loans and leases to core deposits | 67.1894% | 4,395 |
| Total domestic deposits to total assets | 87.7467% | 2,489 |
| Equity capital to assets | 9.7919% | 4,434 |
| Core capital (leverage) ratio | 9.3202% | 4,364 |
| Tier 1 risk-based capital ratio | 12.0050% | 5,911 |
| Total risk-based capital ratio | 13.1382% | 5,947 |
| Memoranda: |
| Average total assets | $260,725,000 | 2,484 |
| Average earning assets | $241,195,500 | 2,464 |
| Average equity | $24,671,000 | 2,738 |
| Average total loans | $147,552,000 | 2,626 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7689% | 5,904 |
| Cost of funding earning assets | 0.5859% | 4,480 |
| Net interest margin | 3.1830% | 5,611 |
| Noninterest income to average assets | 0.7970% | 2,273 |
| Noninterest expense to average assets | 2.7062% | 4,380 |
| Loan and lease loss provision to assets | 0.0872% | 4,606 |
| Net operating income to assets | 0.9278% | 2,663 |
| Return on assets (ROA) | 0.9730% | 2,681 |
| Pretax return on assets | 1.0109% | 3,516 |
| Return on Equity (ROE) | 11.0135% | 1,802 |
| Retained earnings to average equity (ytd only) | 1.8460% | 4,921 |
| Net charge-offs to loans | 0.0114% | 5,766 |
| Credit loss provision to net charge-offs | 1,394.1176% | 180 |
| Earnings coverage of net charge-offs (x) | 167.9412% | 250 |
| Efficiency ratio | 72.0263% | 3,413 |
| Assets per employee ($millions) | 4.3090% | 3,337 |
| Cash dividends to net income (ytd only)* | 83.2387% | 897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4897% | 3,793 |
| Loan loss allowance to noncurrent loans | 340.1527% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 5,409 |
| Noncurrent loans to loans | 0.4379% | 5,403 |
| Net loans and leases to total assets | 55.1496% | 4,430 |
| Net loans and leases to deposits | 63.1973% | 4,636 |
| Net loans and leases to core deposits | 65.9719% | 4,740 |
| Total domestic deposits to total assets | 87.2656% | 2,667 |
| Equity capital to assets | 9.1489% | 5,341 |
| Core capital (leverage) ratio | 8.9379% | 4,989 |
| Tier 1 risk-based capital ratio | 11.4454% | 6,139 |
| Total risk-based capital ratio | 12.5603% | 6,175 |
| Memoranda: |
| Average total assets | $271,637,400 | 2,331 |
| Average earning assets | $252,622,000 | 2,293 |
| Average equity | $23,997,800 | 2,744 |
| Average total loans | $149,252,400 | 2,583 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8007% | 6,026 |
| Cost of funding earning assets | 0.6166% | 4,484 |
| Net interest margin | 3.1841% | 5,737 |
| Noninterest income to average assets | 0.7836% | 2,313 |
| Noninterest expense to average assets | 2.6704% | 4,499 |
| Loan and lease loss provision to assets | 0.1159% | 4,117 |
| Net operating income to assets | 0.9337% | 2,821 |
| Return on assets (ROA) | 0.9473% | 2,986 |
| Pretax return on assets | 0.9850% | 3,777 |
| Return on Equity (ROE) | 10.8175% | 2,021 |
| Retained earnings to average equity (ytd only) | -1.4624% | 6,328 |
| Net charge-offs to loans | 0.0787% | 4,612 |
| Credit loss provision to net charge-offs | 269.3182% | 1,011 |
| Earnings coverage of net charge-offs (x) | 25.2615% | 1,255 |
| Efficiency ratio | 71.0773% | 3,495 |
| Assets per employee ($millions) | 4.2533% | 3,362 |
| Cash dividends to net income (ytd only)* | 113.5189% | 225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5273% | 3,830 |
| Loan loss allowance to noncurrent loans | 412.4283% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 5,725 |
| Noncurrent loans to loans | 0.3703% | 5,739 |
| Net loans and leases to total assets | 52.7389% | 4,951 |
| Net loans and leases to deposits | 60.1119% | 5,194 |
| Net loans and leases to core deposits | 62.9119% | 5,271 |
| Total domestic deposits to total assets | 87.7344% | 2,202 |
| Equity capital to assets | 9.0988% | 5,711 |
| Core capital (leverage) ratio | 8.4469% | 5,823 |
| Tier 1 risk-based capital ratio | 11.4108% | 6,283 |
| Total risk-based capital ratio | 12.5222% | 6,339 |
| Memoranda: |
| Average total assets | $272,757,000 | 2,343 |
| Average earning assets | $254,719,750 | 2,300 |
| Average equity | $23,886,750 | 2,784 |
| Average total loans | $149,174,250 | 2,616 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8538% | 6,024 |
| Cost of funding earning assets | 0.6510% | 4,432 |
| Net interest margin | 3.2028% | 5,737 |
| Noninterest income to average assets | 0.7767% | 2,310 |
| Noninterest expense to average assets | 2.6137% | 4,730 |
| Loan and lease loss provision to assets | 0.1088% | 4,161 |
| Net operating income to assets | 1.0037% | 2,447 |
| Return on assets (ROA) | 1.0037% | 2,663 |
| Pretax return on assets | 1.0407% | 3,555 |
| Return on Equity (ROE) | 11.6054% | 1,801 |
| Retained earnings to average equity (ytd only) | -6.8425% | 6,714 |
| Net charge-offs to loans | 0.0382% | 4,838 |
| Credit loss provision to net charge-offs | 517.2414% | 581 |
| Earnings coverage of net charge-offs (x) | 54.6552% | 680 |
| Efficiency ratio | 69.4546% | 3,857 |
| Assets per employee ($millions) | 4.6250% | 2,672 |
| Cash dividends to net income (ytd only)* | 158.9595% | 150 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4800% | 4,113 |
| Loan loss allowance to noncurrent loans | 446.3312% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 5,887 |
| Noncurrent loans to loans | 0.3316% | 5,888 |
| Net loans and leases to total assets | 51.9362% | 5,108 |
| Net loans and leases to deposits | 59.0711% | 5,329 |
| Net loans and leases to core deposits | 61.7125% | 5,414 |
| Total domestic deposits to total assets | 87.9216% | 2,190 |
| Equity capital to assets | 8.5453% | 6,164 |
| Core capital (leverage) ratio | 8.0604% | 6,210 |
| Tier 1 risk-based capital ratio | 10.6939% | 6,616 |
| Total risk-based capital ratio | 11.7480% | 6,680 |
| Memoranda: |
| Average total assets | $275,774,330 | 2,329 |
| Average earning assets | $257,146,000 | 2,286 |
| Average equity | $23,851,000 | 2,785 |
| Average total loans | $151,821,670 | 2,588 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9550% | 5,894 |
| Cost of funding earning assets | 0.7059% | 4,227 |
| Net interest margin | 3.2491% | 5,629 |
| Noninterest income to average assets | 0.6147% | 3,139 |
| Noninterest expense to average assets | 2.5524% | 4,981 |
| Loan and lease loss provision to assets | -0.0721% | 7,164 |
| Net operating income to assets | 1.1269% | 1,962 |
| Return on assets (ROA) | 1.1269% | 2,151 |
| Pretax return on assets | 1.1630% | 3,059 |
| Return on Equity (ROE) | 12.9532% | 1,417 |
| Retained earnings to average equity (ytd only) | 12.9532% | 690 |
| Net charge-offs to loans | 0.0822% | 3,677 |
| Credit loss provision to net charge-offs | -156.2500% | 5,554 |
| Earnings coverage of net charge-offs (x) | 23.6250% | 1,088 |
| Efficiency ratio | 70.0594% | 3,795 |
| Assets per employee ($millions) | 4.6997% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2363% | 5,337 |
| Loan loss allowance to noncurrent loans | 402.0877% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 6,123 |
| Noncurrent loans to loans | 0.3075% | 6,065 |
| Net loans and leases to total assets | 55.4877% | 4,472 |
| Net loans and leases to deposits | 63.8963% | 4,653 |
| Net loans and leases to core deposits | 67.7486% | 4,709 |
| Total domestic deposits to total assets | 86.8403% | 3,046 |
| Equity capital to assets | 8.8505% | 5,692 |
| Core capital (leverage) ratio | 8.6415% | 5,393 |
| Tier 1 risk-based capital ratio | 11.1009% | 6,493 |
| Total risk-based capital ratio | 12.0253% | 6,621 |
| Memoranda: |
| Average total assets | $277,224,000 | 2,330 |
| Average earning assets | $258,407,000 | 2,294 |
| Average equity | $24,117,500 | 2,756 |
| Average total loans | $155,807,500 | 2,543 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1719% | 6,134 |
| Cost of funding earning assets | 0.8838% | 4,229 |
| Net interest margin | 3.2882% | 5,845 |
| Noninterest income to average assets | 0.6782% | 2,737 |
| Noninterest expense to average assets | 2.5157% | 5,417 |
| Loan and lease loss provision to assets | 0.3918% | 2,639 |
| Net operating income to assets | 0.8104% | 2,994 |
| Return on assets (ROA) | 0.8135% | 3,153 |
| Pretax return on assets | 0.8470% | 3,785 |
| Return on Equity (ROE) | 9.9998% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.6216% | 2,232 |
| Net charge-offs to loans | 0.7320% | 2,324 |
| Credit loss provision to net charge-offs | 92.2819% | 3,908 |
| Earnings coverage of net charge-offs (x) | 2.9102% | 3,753 |
| Efficiency ratio | 67.0623% | 4,563 |
| Assets per employee ($millions) | 4.6977% | 2,607 |
| Cash dividends to net income (ytd only)* | 43.7828% | 2,380 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2886% | 4,969 |
| Loan loss allowance to noncurrent loans | 2,281.8182% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 6,433 |
| Noncurrent loans to loans | 0.0565% | 6,677 |
| Net loans and leases to total assets | 55.4987% | 4,793 |
| Net loans and leases to deposits | 62.5394% | 5,171 |
| Net loans and leases to core deposits | 66.3945% | 5,212 |
| Total domestic deposits to total assets | 88.7420% | 1,693 |
| Equity capital to assets | 8.5488% | 6,074 |
| Core capital (leverage) ratio | 8.2624% | 5,905 |
| Tier 1 risk-based capital ratio | 10.8048% | 6,554 |
| Total risk-based capital ratio | 11.7743% | 6,657 |
| Memoranda: |
| Average total assets | $280,755,600 | 2,262 |
| Average earning assets | $262,396,200 | 2,223 |
| Average equity | $22,840,400 | 2,800 |
| Average total loans | $162,848,400 | 2,464 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1910% | 6,227 |
| Cost of funding earning assets | 0.9262% | 4,226 |
| Net interest margin | 3.2648% | 5,967 |
| Noninterest income to average assets | 0.6613% | 2,815 |
| Noninterest expense to average assets | 2.4966% | 5,475 |
| Loan and lease loss provision to assets | 0.4497% | 2,220 |
| Net operating income to assets | 0.7371% | 3,442 |
| Return on assets (ROA) | 0.7371% | 3,614 |
| Pretax return on assets | 0.7754% | 4,214 |
| Return on Equity (ROE) | 9.1747% | 2,517 |
| Retained earnings to average equity (ytd only) | 9.1747% | 1,085 |
| Net charge-offs to loans | 0.4852% | 2,800 |
| Credit loss provision to net charge-offs | 158.5977% | 1,954 |
| Earnings coverage of net charge-offs (x) | 4.3205% | 3,103 |
| Efficiency ratio | 67.0822% | 4,504 |
| Assets per employee ($millions) | 4.8043% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6067% | 3,632 |
| Loan loss allowance to noncurrent loans | 355.7329% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 6,010 |
| Noncurrent loans to loans | 0.4517% | 5,937 |
| Net loans and leases to total assets | 53.8653% | 5,182 |
| Net loans and leases to deposits | 62.4590% | 5,349 |
| Net loans and leases to core deposits | 66.4021% | 5,375 |
| Total domestic deposits to total assets | 86.2410% | 3,070 |
| Equity capital to assets | 8.6504% | 6,144 |
| Core capital (leverage) ratio | 8.0518% | 6,341 |
| Tier 1 risk-based capital ratio | 11.0050% | 6,538 |
| Total risk-based capital ratio | 12.1906% | 6,553 |
| Memoranda: |
| Average total assets | $281,653,750 | 2,261 |
| Average earning assets | $264,019,750 | 2,222 |
| Average equity | $22,627,000 | 2,823 |
| Average total loans | $164,603,000 | 2,447 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1352% | 6,411 |
| Cost of funding earning assets | 0.9744% | 4,126 |
| Net interest margin | 3.1608% | 6,261 |
| Noninterest income to average assets | 0.6580% | 2,776 |
| Noninterest expense to average assets | 2.4560% | 5,680 |
| Loan and lease loss provision to assets | 0.4245% | 2,311 |
| Net operating income to assets | 0.7047% | 3,522 |
| Return on assets (ROA) | 0.7047% | 3,629 |
| Pretax return on assets | 0.7430% | 4,238 |
| Return on Equity (ROE) | 8.9995% | 2,515 |
| Retained earnings to average equity (ytd only) | 8.9995% | 1,110 |
| Net charge-offs to loans | 0.3250% | 3,261 |
| Credit loss provision to net charge-offs | 218.9781% | 1,364 |
| Earnings coverage of net charge-offs (x) | 6.0219% | 2,487 |
| Efficiency ratio | 67.7797% | 4,560 |
| Assets per employee ($millions) | 4.6516% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4729% | 4,247 |
| Loan loss allowance to noncurrent loans | 245.7953% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 6,296 |
| Noncurrent loans to loans | 0.5992% | 5,721 |
| Net loans and leases to total assets | 54.5113% | 5,220 |
| Net loans and leases to deposits | 62.0519% | 5,497 |
| Net loans and leases to core deposits | 65.6959% | 5,544 |
| Total domestic deposits to total assets | 87.8478% | 2,245 |
| Equity capital to assets | 7.7420% | 6,840 |
| Core capital (leverage) ratio | 7.7109% | 6,577 |
| Tier 1 risk-based capital ratio | 10.3882% | 6,831 |
| Total risk-based capital ratio | 11.5237% | 6,877 |
| Memoranda: |
| Average total assets | $282,656,000 | 2,264 |
| Average earning assets | $265,185,330 | 2,218 |
| Average equity | $22,134,670 | 2,860 |
| Average total loans | $168,622,330 | 2,428 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1523% | 6,390 |
| Cost of funding earning assets | 1.0172% | 4,075 |
| Net interest margin | 3.1352% | 6,255 |
| Noninterest income to average assets | 0.7400% | 2,316 |
| Noninterest expense to average assets | 2.5180% | 5,492 |
| Loan and lease loss provision to assets | 0.3635% | 2,382 |
| Net operating income to assets | 0.7618% | 3,209 |
| Return on assets (ROA) | 0.7618% | 3,277 |
| Pretax return on assets | 0.8025% | 3,892 |
| Return on Equity (ROE) | 9.6688% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.6688% | 1,196 |
| Net charge-offs to loans | -0.0492% | 6,876 |
| Credit loss provision to net charge-offs | -1,190.4762% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3504% | 4,588 |
| Assets per employee ($millions) | 4.3552% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3836% | 4,746 |
| Loan loss allowance to noncurrent loans | 121.5897% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 5,538 |
| Noncurrent loans to loans | 1.1380% | 4,804 |
| Net loans and leases to total assets | 60.6278% | 4,147 |
| Net loans and leases to deposits | 69.8530% | 4,360 |
| Net loans and leases to core deposits | 73.9943% | 4,533 |
| Total domestic deposits to total assets | 86.7934% | 3,065 |
| Equity capital to assets | 7.9083% | 6,586 |
| Core capital (leverage) ratio | 8.1662% | 6,020 |
| Tier 1 risk-based capital ratio | 10.5486% | 6,782 |
| Total risk-based capital ratio | 11.7000% | 6,822 |
| Memoranda: |
| Average total assets | $275,134,000 | 2,348 |
| Average earning assets | $258,360,000 | 2,284 |
| Average equity | $21,678,000 | 2,904 |
| Average total loans | $170,580,500 | 2,428 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6090% | 6,085 |
| Cost of funding earning assets | 1.2057% | 4,531 |
| Net interest margin | 3.4032% | 5,623 |
| Noninterest income to average assets | 0.9229% | 1,763 |
| Noninterest expense to average assets | 2.9380% | 4,076 |
| Loan and lease loss provision to assets | 0.3370% | 4,127 |
| Net operating income to assets | 0.7621% | 2,947 |
| Return on assets (ROA) | 0.7621% | 3,072 |
| Pretax return on assets | 0.7900% | 3,670 |
| Return on Equity (ROE) | 9.0644% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.0644% | 684 |
| Net charge-offs to loans | 0.7714% | 2,710 |
| Credit loss provision to net charge-offs | 67.2039% | 5,927 |
| Earnings coverage of net charge-offs (x) | 2.2474% | 4,038 |
| Efficiency ratio | 72.2763% | 3,738 |
| Assets per employee ($millions) | 4.2428% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2367% | 5,338 |
| Loan loss allowance to noncurrent loans | 208.7475% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 6,343 |
| Noncurrent loans to loans | 0.5925% | 5,859 |
| Net loans and leases to total assets | 61.7601% | 4,331 |
| Net loans and leases to deposits | 70.5884% | 4,741 |
| Net loans and leases to core deposits | 75.3665% | 4,805 |
| Total domestic deposits to total assets | 87.4934% | 2,551 |
| Equity capital to assets | 7.8491% | 6,641 |
| Core capital (leverage) ratio | 8.7086% | 5,005 |
| Tier 1 risk-based capital ratio | 10.6537% | 6,601 |
| Total risk-based capital ratio | 11.7107% | 6,704 |
| Memoranda: |
| Average total assets | $247,481,800 | 2,569 |
| Average earning assets | $228,489,200 | 2,541 |
| Average equity | $20,806,600 | 3,038 |
| Average total loans | $160,875,200 | 2,609 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7216% | 5,941 |
| Cost of funding earning assets | 1.2586% | 4,503 |
| Net interest margin | 3.4630% | 5,443 |
| Noninterest income to average assets | 0.9541% | 1,605 |
| Noninterest expense to average assets | 3.0027% | 3,732 |
| Loan and lease loss provision to assets | 0.3755% | 3,635 |
| Net operating income to assets | 0.7355% | 3,259 |
| Return on assets (ROA) | 0.7355% | 3,418 |
| Pretax return on assets | 0.7620% | 4,044 |
| Return on Equity (ROE) | 8.5878% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.5878% | 1,209 |
| Net charge-offs to loans | 1.0463% | 1,933 |
| Credit loss provision to net charge-offs | 54.6185% | 5,811 |
| Earnings coverage of net charge-offs (x) | 1.6546% | 4,465 |
| Efficiency ratio | 72.5260% | 3,604 |
| Assets per employee ($millions) | 3.8123% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2345% | 5,320 |
| Loan loss allowance to noncurrent loans | 189.8338% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 6,372 |
| Noncurrent loans to loans | 0.6503% | 5,905 |
| Net loans and leases to total assets | 63.6822% | 4,190 |
| Net loans and leases to deposits | 74.1541% | 4,480 |
| Net loans and leases to core deposits | 80.1724% | 4,493 |
| Total domestic deposits to total assets | 85.8782% | 3,140 |
| Equity capital to assets | 8.7489% | 5,940 |
| Core capital (leverage) ratio | 8.7271% | 5,142 |
| Tier 1 risk-based capital ratio | 10.9226% | 6,443 |
| Total risk-based capital ratio | 11.9527% | 6,620 |
| Memoranda: |
| Average total assets | $241,468,250 | 2,663 |
| Average earning assets | $222,149,500 | 2,641 |
| Average equity | $20,680,000 | 3,088 |
| Average total loans | $158,643,750 | 2,679 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6827% | 6,198 |
| Cost of funding earning assets | 1.3608% | 4,113 |
| Net interest margin | 3.3219% | 5,935 |
| Noninterest income to average assets | 0.7413% | 2,449 |
| Noninterest expense to average assets | 3.1819% | 2,970 |
| Loan and lease loss provision to assets | 0.2409% | 4,504 |
| Net operating income to assets | 0.2910% | 5,216 |
| Return on assets (ROA) | 0.2910% | 5,369 |
| Pretax return on assets | 0.3132% | 5,461 |
| Return on Equity (ROE) | 3.7573% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.7573% | 3,703 |
| Net charge-offs to loans | -0.0103% | 7,193 |
| Credit loss provision to net charge-offs | -3,250.0000% | 7,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1687% | 1,803 |
| Assets per employee ($millions) | 4.4198% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4700% | 4,068 |
| Loan loss allowance to noncurrent loans | 145.7627% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 5,761 |
| Noncurrent loans to loans | 1.0085% | 5,296 |
| Net loans and leases to total assets | 67.8206% | 3,414 |
| Net loans and leases to deposits | 83.3109% | 3,008 |
| Net loans and leases to core deposits | 86.2448% | 3,796 |
| Total domestic deposits to total assets | 81.4066% | 5,238 |
| Equity capital to assets | 7.6374% | 7,030 |
| Core capital (leverage) ratio | 7.4921% | 6,829 |
| Tier 1 risk-based capital ratio | 9.7454% | 7,162 |
| Total risk-based capital ratio | 10.9957% | 7,152 |
| Memoranda: |
| Average total assets | $107,921,670 | 4,861 |
| Average earning assets | $97,293,670 | 4,897 |
| Average equity | $8,357,000 | 5,683 |
| Average total loans | $77,904,000 | 4,509 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8394% | 5,728 |
| Cost of funding earning assets | 1.3660% | 4,385 |
| Net interest margin | 3.4734% | 5,273 |
| Noninterest income to average assets | 0.7052% | 2,563 |
| Noninterest expense to average assets | 3.0909% | 3,304 |
| Loan and lease loss provision to assets | 0.2251% | 4,244 |
| Net operating income to assets | 0.4951% | 4,415 |
| Return on assets (ROA) | 0.4951% | 4,549 |
| Pretax return on assets | 0.5177% | 4,902 |
| Return on Equity (ROE) | 6.3492% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.3492% | 2,447 |
| Net charge-offs to loans | -0.0101% | 6,892 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6262% | 2,468 |
| Assets per employee ($millions) | 4.5322% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3288% | 4,783 |
| Loan loss allowance to noncurrent loans | 136.1979% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 5,759 |
| Noncurrent loans to loans | 0.9756% | 5,376 |
| Net loans and leases to total assets | 71.4081% | 2,587 |
| Net loans and leases to deposits | 87.5770% | 2,301 |
| Net loans and leases to core deposits | 90.9625% | 3,235 |
| Total domestic deposits to total assets | 81.5375% | 5,257 |
| Equity capital to assets | 7.7069% | 6,924 |
| Core capital (leverage) ratio | 7.2991% | 7,032 |
| Tier 1 risk-based capital ratio | 9.5413% | 7,286 |
| Total risk-based capital ratio | 10.7599% | 7,294 |
| Memoranda: |
| Average total assets | $106,634,500 | 4,964 |
| Average earning assets | $96,044,500 | 4,987 |
| Average equity | $8,316,000 | 5,735 |
| Average total loans | $78,827,500 | 4,545 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2850% | 5,259 |
| Cost of funding earning assets | 1.7668% | 4,166 |
| Net interest margin | 3.5182% | 4,874 |
| Noninterest income to average assets | 1.0829% | 1,316 |
| Noninterest expense to average assets | 3.4466% | 2,538 |
| Loan and lease loss provision to assets | 0.1960% | 5,770 |
| Net operating income to assets | 0.5439% | 3,554 |
| Return on assets (ROA) | 0.5449% | 3,639 |
| Pretax return on assets | 0.5674% | 3,996 |
| Return on Equity (ROE) | 6.8224% | 2,859 |
| Retained earnings to average equity (ytd only) | 6.8224% | 1,027 |
| Net charge-offs to loans | 0.3327% | 4,568 |
| Credit loss provision to net charge-offs | 80.0000% | 6,279 |
| Earnings coverage of net charge-offs (x) | 3.1120% | 3,506 |
| Efficiency ratio | 81.8859% | 2,614 |
| Assets per employee ($millions) | 4.3540% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2466% | 5,080 |
| Loan loss allowance to noncurrent loans | 128.2920% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 5,645 |
| Noncurrent loans to loans | 0.9717% | 5,372 |
| Net loans and leases to total assets | 74.5983% | 2,123 |
| Net loans and leases to deposits | 85.3559% | 3,016 |
| Net loans and leases to core deposits | 97.3500% | 4,309 |
| Total domestic deposits to total assets | 87.3968% | 2,269 |
| Equity capital to assets | 7.8940% | 6,681 |
| Core capital (leverage) ratio | 8.1773% | 5,857 |
| Tier 1 risk-based capital ratio | 9.5229% | 7,209 |
| Total risk-based capital ratio | 10.6866% | 7,243 |
| Memoranda: |
| Average total assets | $102,043,000 | 5,040 |
| Average earning assets | $90,671,000 | 5,100 |
| Average equity | $8,149,600 | 5,874 |
| Average total loans | $75,134,600 | 4,679 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2999% | 5,422 |
| Cost of funding earning assets | 1.8451% | 4,180 |
| Net interest margin | 3.4548% | 5,051 |
| Noninterest income to average assets | 1.0779% | 1,367 |
| Noninterest expense to average assets | 3.4177% | 2,519 |
| Loan and lease loss provision to assets | 0.1577% | 5,776 |
| Net operating income to assets | 0.5521% | 3,784 |
| Return on assets (ROA) | 0.5534% | 3,865 |
| Pretax return on assets | 0.5731% | 4,289 |
| Return on Equity (ROE) | 6.9088% | 3,115 |
| Retained earnings to average equity (ytd only) | 6.9088% | 1,543 |
| Net charge-offs to loans | 0.4529% | 3,421 |
| Credit loss provision to net charge-offs | 47.6190% | 6,347 |
| Earnings coverage of net charge-offs (x) | 2.2024% | 4,170 |
| Efficiency ratio | 82.4089% | 2,521 |
| Assets per employee ($millions) | 3.8414% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2143% | 5,033 |
| Loan loss allowance to noncurrent loans | 117.6010% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 5,250 |
| Noncurrent loans to loans | 1.0326% | 5,245 |
| Net loans and leases to total assets | 73.4694% | 2,670 |
| Net loans and leases to deposits | 84.9992% | 3,502 |
| Net loans and leases to core deposits | 99.2185% | 4,458 |
| Total domestic deposits to total assets | 86.4353% | 2,456 |
| Equity capital to assets | 8.3202% | 6,480 |
| Core capital (leverage) ratio | 8.2186% | 5,984 |
| Tier 1 risk-based capital ratio | 9.9856% | 6,998 |
| Total risk-based capital ratio | 11.1038% | 7,057 |
| Memoranda: |
| Average total assets | $101,429,500 | 5,085 |
| Average earning assets | $90,113,000 | 5,161 |
| Average equity | $8,124,750 | 5,936 |
| Average total loans | $74,184,000 | 4,766 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3255% | 5,529 |
| Cost of funding earning assets | 1.9242% | 4,142 |
| Net interest margin | 3.4013% | 5,164 |
| Noninterest income to average assets | 1.0692% | 1,387 |
| Noninterest expense to average assets | 3.2036% | 3,330 |
| Loan and lease loss provision to assets | 0.1569% | 5,499 |
| Net operating income to assets | 0.6808% | 3,339 |
| Return on assets (ROA) | 0.6827% | 3,447 |
| Pretax return on assets | 0.7102% | 3,964 |
| Return on Equity (ROE) | 8.6320% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.6320% | 1,027 |
| Net charge-offs to loans | 0.7228% | 2,251 |
| Credit loss provision to net charge-offs | 29.8507% | 6,034 |
| Earnings coverage of net charge-offs (x) | 1.6455% | 4,309 |
| Efficiency ratio | 78.7367% | 3,229 |
| Assets per employee ($millions) | 3.8775% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2323% | 4,731 |
| Loan loss allowance to noncurrent loans | 110.1563% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 5,171 |
| Noncurrent loans to loans | 1.1187% | 4,980 |
| Net loans and leases to total assets | 67.2569% | 4,299 |
| Net loans and leases to deposits | 77.6841% | 4,922 |
| Net loans and leases to core deposits | 90.3705% | 5,502 |
| Total domestic deposits to total assets | 86.5774% | 2,467 |
| Equity capital to assets | 8.1635% | 6,542 |
| Core capital (leverage) ratio | 8.1353% | 6,101 |
| Tier 1 risk-based capital ratio | 10.4858% | 6,392 |
| Total risk-based capital ratio | 11.5995% | 6,474 |
| Memoranda: |
| Average total assets | $101,947,000 | 5,104 |
| Average earning assets | $89,907,330 | 5,202 |
| Average equity | $8,063,000 | 5,995 |
| Average total loans | $74,151,670 | 4,808 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3730% | 5,561 |
| Cost of funding earning assets | 2.0171% | 4,049 |
| Net interest margin | 3.3559% | 5,303 |
| Noninterest income to average assets | 1.2252% | 956 |
| Noninterest expense to average assets | 3.0201% | 3,677 |
| Loan and lease loss provision to assets | 0.1951% | 4,489 |
| Net operating income to assets | 0.9053% | 2,684 |
| Return on assets (ROA) | 0.9053% | 2,833 |
| Pretax return on assets | 0.9443% | 3,552 |
| Return on Equity (ROE) | 11.6298% | 1,779 |
| Retained earnings to average equity (ytd only) | 11.6298% | 862 |
| Net charge-offs to loans | 1.3992% | 1,018 |
| Credit loss provision to net charge-offs | 18.5874% | 5,087 |
| Earnings coverage of net charge-offs (x) | 1.0855% | 4,216 |
| Efficiency ratio | 72.6079% | 4,082 |
| Assets per employee ($millions) | 3.7673% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0858% | 5,568 |
| Loan loss allowance to noncurrent loans | 106.1198% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 5,214 |
| Noncurrent loans to loans | 1.0232% | 4,948 |
| Net loans and leases to total assets | 75.8001% | 2,317 |
| Net loans and leases to deposits | 87.0769% | 3,456 |
| Net loans and leases to core deposits | 101.2602% | 4,415 |
| Total domestic deposits to total assets | 87.0496% | 2,192 |
| Equity capital to assets | 8.2419% | 6,476 |
| Core capital (leverage) ratio | 8.0527% | 6,375 |
| Tier 1 risk-based capital ratio | 9.5813% | 7,362 |
| Total risk-based capital ratio | 10.5766% | 7,540 |
| Memoranda: |
| Average total assets | $102,513,000 | 5,113 |
| Average earning assets | $89,633,500 | 5,235 |
| Average equity | $7,979,500 | 6,071 |
| Average total loans | $76,902,000 | 4,732 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3030% | 3,949 |
| Cost of funding earning assets | 2.8295% | 2,584 |
| Net interest margin | 3.4735% | 5,389 |
| Noninterest income to average assets | 0.8767% | 2,073 |
| Noninterest expense to average assets | 3.0740% | 3,807 |
| Loan and lease loss provision to assets | 0.4173% | 3,198 |
| Net operating income to assets | 0.3966% | 5,164 |
| Return on assets (ROA) | 0.3966% | 4,979 |
| Pretax return on assets | 0.4300% | 5,181 |
| Return on Equity (ROE) | 5.0369% | 4,370 |
| Retained earnings to average equity (ytd only) | -0.5735% | 5,462 |
| Net charge-offs to loans | 0.5205% | 2,283 |
| Credit loss provision to net charge-offs | 108.9744% | 4,941 |
| Earnings coverage of net charge-offs (x) | 2.2128% | 4,970 |
| Efficiency ratio | 78.3926% | 2,854 |
| Assets per employee ($millions) | 4.1183% | 3,277 |
| Cash dividends to net income (ytd only)* | 111.3861% | 784 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3131% | 3,688 |
| 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 | 72.5734% | 3,472 |
| Net loans and leases to deposits | 86.3384% | 4,066 |
| Net loans and leases to core deposits | 102.4334% | 4,562 |
| Total domestic deposits to total assets | 84.0570% | 3,300 |
| Equity capital to assets | 7.3649% | 7,500 |
| Core capital (leverage) ratio | 7.6429% | 7,017 |
| Tier 1 risk-based capital ratio | 8.8405% | 7,881 |
| Total risk-based capital ratio | 10.0352% | 7,978 |
| Memoranda: |
| Average total assets | $101,854,000 | 4,998 |
| Average earning assets | $89,275,000 | 5,112 |
| Average equity | $8,020,800 | 6,080 |
| Average total loans | $74,923,200 | 4,694 |
