| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4386% | 1,246 |
| Cost of funding earning assets | 1.2094% | 2,776 |
| Net interest margin | 4.2293% | 893 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.9898% | 1,137 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6621% | 778 |
| Return on assets (ROA) | 1.6621% | 751 |
| Pretax return on assets | 1.6621% | 1,132 |
| Return on Equity (ROE) | 19.3900% | 672 |
| Retained earnings to average equity (ytd only) | 11.5778% | 689 |
| Net charge-offs to loans | 0.0164% | 2,049 |
| Credit loss provision to net charge-offs | 694.5946% | 534 |
| Earnings coverage of net charge-offs (x) | 130.7027% | 780 |
| Efficiency ratio | 63.0063% | 2,723 |
| Assets per employee ($millions) | 4.8106% | 3,771 |
| Cash dividends to net income (ytd only)* | 40.2926% | 2,075 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0125% | 3,243 |
| Loan loss allowance to noncurrent loans | 1,938.5542% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,324 |
| Noncurrent loans to loans | 0.0522% | 3,349 |
| Net loans and leases to total assets | 81.0700% | 522 |
| Net loans and leases to deposits | 93.9635% | 943 |
| Net loans and leases to core deposits | 99.9625% | 1,441 |
| Total domestic deposits to total assets | 86.2800% | 1,919 |
| Equity capital to assets | 8.8086% | 2,816 |
| Core capital (leverage) ratio | 9.6094% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $550,982,400 | 1,611 |
| Average earning assets | $503,894,400 | 1,625 |
| Average equity | $47,228,400 | 1,671 |
| Average total loans | $452,566,400 | 1,337 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2668% | 1,328 |
| Cost of funding earning assets | 1.0590% | 2,865 |
| Net interest margin | 4.2078% | 912 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.9483% | 1,141 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.6509% | 860 |
| Return on assets (ROA) | 1.6509% | 851 |
| Pretax return on assets | 1.6509% | 1,257 |
| Return on Equity (ROE) | 19.4000% | 782 |
| Retained earnings to average equity (ytd only) | 10.4893% | 1,263 |
| Net charge-offs to loans | 0.0218% | 1,666 |
| Credit loss provision to net charge-offs | 704.1096% | 506 |
| Earnings coverage of net charge-offs (x) | 99.1781% | 920 |
| Efficiency ratio | 62.3935% | 2,674 |
| Assets per employee ($millions) | 4.8052% | 3,736 |
| Cash dividends to net income (ytd only)* | 45.9411% | 1,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0131% | 3,301 |
| Loan loss allowance to noncurrent loans | 2,426.1307% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,317 |
| Noncurrent loans to loans | 0.0418% | 3,464 |
| Net loans and leases to total assets | 82.4900% | 401 |
| Net loans and leases to deposits | 95.5028% | 782 |
| Net loans and leases to core deposits | 99.0278% | 1,378 |
| Total domestic deposits to total assets | 86.3800% | 2,073 |
| Equity capital to assets | 8.3934% | 2,797 |
| Core capital (leverage) ratio | 9.3512% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $543,208,250 | 1,636 |
| Average earning assets | $497,668,250 | 1,642 |
| Average equity | $46,217,250 | 1,690 |
| Average total loans | $446,524,500 | 1,351 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0394% | 1,491 |
| Cost of funding earning assets | 0.9365% | 2,814 |
| Net interest margin | 4.1029% | 1,084 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.9190% | 1,174 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.3199% | 1,512 |
| Return on assets (ROA) | 1.3199% | 1,497 |
| Pretax return on assets | 1.3199% | 2,020 |
| Return on Equity (ROE) | 15.4400% | 1,379 |
| Retained earnings to average equity (ytd only) | 4.5239% | 3,076 |
| Net charge-offs to loans | 0.0394% | 1,128 |
| Credit loss provision to net charge-offs | 240.6977% | 974 |
| Earnings coverage of net charge-offs (x) | 43.3605% | 1,362 |
| Efficiency ratio | 67.6246% | 2,028 |
| Assets per employee ($millions) | 4.5025% | 3,950 |
| Cash dividends to net income (ytd only)* | 70.6985% | 733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0023% | 3,406 |
| Loan loss allowance to noncurrent loans | 839.4786% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 2,759 |
| Noncurrent loans to loans | 0.1194% | 2,877 |
| Net loans and leases to total assets | 81.0600% | 510 |
| Net loans and leases to deposits | 93.3915% | 915 |
| Net loans and leases to core deposits | 95.9732% | 1,468 |
| Total domestic deposits to total assets | 86.7900% | 1,993 |
| Equity capital to assets | 8.3211% | 3,007 |
| Core capital (leverage) ratio | 9.2904% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $533,671,667 | 1,656 |
| Average earning assets | $489,067,667 | 1,664 |
| Average equity | $45,624,667 | 1,705 |
| Average total loans | $436,518,333 | 1,354 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8261% | 1,565 |
| Cost of funding earning assets | 0.7829% | 2,791 |
| Net interest margin | 4.0433% | 1,191 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.8966% | 1,240 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.3327% | 1,585 |
| Return on assets (ROA) | 1.3327% | 1,555 |
| Pretax return on assets | 1.3327% | 2,081 |
| Return on Equity (ROE) | 15.3700% | 1,482 |
| Retained earnings to average equity (ytd only) | 5.7214% | 2,839 |
| Net charge-offs to loans | 0.0028% | 1,921 |
| Credit loss provision to net charge-offs | 233.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 586.3333% | 194 |
| Efficiency ratio | 68.4031% | 1,929 |
| Assets per employee ($millions) | 4.4647% | 4,041 |
| Cash dividends to net income (ytd only)* | 62.7854% | 909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0079% | 3,485 |
| Loan loss allowance to noncurrent loans | 1,656.9811% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,039 |
| Noncurrent loans to loans | 0.0608% | 3,300 |
| Net loans and leases to total assets | 81.1700% | 441 |
| Net loans and leases to deposits | 93.6433% | 810 |
| Net loans and leases to core deposits | 96.1860% | 1,275 |
| Total domestic deposits to total assets | 86.6800% | 2,378 |
| Equity capital to assets | 8.6085% | 2,812 |
| Core capital (leverage) ratio | 9.4821% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $525,855,000 | 1,690 |
| Average earning assets | $480,800,500 | 1,701 |
| Average equity | $45,583,000 | 1,724 |
| Average total loans | $429,895,500 | 1,387 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1690% | 1,314 |
| Cost of funding earning assets | 0.3523% | 2,459 |
| Net interest margin | 3.8168% | 1,128 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.8557% | 1,211 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2452% | 1,616 |
| Return on assets (ROA) | 1.2452% | 1,569 |
| Pretax return on assets | 1.2592% | 2,240 |
| Return on Equity (ROE) | 14.4200% | 1,428 |
| Retained earnings to average equity (ytd only) | 9.3787% | 1,366 |
| Net charge-offs to loans | 0.0120% | 1,941 |
| Credit loss provision to net charge-offs | 574.4681% | 625 |
| Earnings coverage of net charge-offs (x) | 141.2340% | 820 |
| Efficiency ratio | 68.5104% | 1,900 |
| Assets per employee ($millions) | 4.2657% | 4,160 |
| Cash dividends to net income (ytd only)* | 34.9690% | 2,164 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7936% | 4,045 |
| Loan loss allowance to noncurrent loans | 438.2813% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,503 |
| Noncurrent loans to loans | 0.1811% | 2,580 |
| Net loans and leases to total assets | 80.8500% | 511 |
| Net loans and leases to deposits | 92.6859% | 875 |
| Net loans and leases to core deposits | 94.9788% | 1,253 |
| Total domestic deposits to total assets | 87.2300% | 2,315 |
| Equity capital to assets | 8.7294% | 2,546 |
| Core capital (leverage) ratio | 9.4796% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $505,719,200 | 1,706 |
| Average earning assets | $464,688,000 | 1,714 |
| Average equity | $43,662,600 | 1,796 |
| Average total loans | $392,708,800 | 1,419 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9931% | 1,280 |
| Cost of funding earning assets | 0.2537% | 2,664 |
| Net interest margin | 3.7394% | 1,054 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.8281% | 1,191 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1128% | 2,042 |
| Return on assets (ROA) | 1.1128% | 2,011 |
| Pretax return on assets | 1.1316% | 2,622 |
| Return on Equity (ROE) | 12.9300% | 1,718 |
| Retained earnings to average equity (ytd only) | 6.1327% | 2,706 |
| Net charge-offs to loans | 0.0038% | 2,077 |
| Credit loss provision to net charge-offs | 2,454.5455% | 210 |
| Earnings coverage of net charge-offs (x) | 411.9091% | 371 |
| Efficiency ratio | 70.1515% | 1,743 |
| Assets per employee ($millions) | 4.4087% | 4,117 |
| Cash dividends to net income (ytd only)* | 52.5537% | 1,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8093% | 4,071 |
| Loan loss allowance to noncurrent loans | 452.3936% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 2,608 |
| Noncurrent loans to loans | 0.1789% | 2,694 |
| Net loans and leases to total assets | 79.4800% | 573 |
| Net loans and leases to deposits | 96.7596% | 511 |
| Net loans and leases to core deposits | 99.0529% | 853 |
| Total domestic deposits to total assets | 82.1400% | 3,822 |
| Equity capital to assets | 8.1062% | 2,832 |
| Core capital (leverage) ratio | 9.3505% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $502,046,000 | 1,724 |
| Average earning assets | $461,952,750 | 1,736 |
| Average equity | $43,221,000 | 1,843 |
| Average total loans | $384,855,250 | 1,437 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9060% | 1,104 |
| Cost of funding earning assets | 0.2054% | 2,847 |
| Net interest margin | 3.7005% | 911 |
| Noninterest income to average assets | 0.5832% | 1,809 |
| Noninterest expense to average assets | 2.8068% | 1,166 |
| Loan and lease loss provision to assets | 0.0728% | 1,321 |
| Net operating income to assets | 1.0770% | 1,869 |
| Return on assets (ROA) | 1.0770% | 1,846 |
| Pretax return on assets | 1.1057% | 2,387 |
| Return on Equity (ROE) | 12.2572% | 1,604 |
| Retained earnings to average equity (ytd only) | 5.8133% | 2,398 |
| Net charge-offs to loans | 0.0043% | 1,863 |
| Credit loss provision to net charge-offs | 2,250.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 364.2500% | 346 |
| Efficiency ratio | 70.4283% | 1,898 |
| Assets per employee ($millions) | 4.0246% | 4,360 |
| Cash dividends to net income (ytd only)* | 52.5723% | 1,270 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8573% | 4,073 |
| Loan loss allowance to noncurrent loans | 439.0728% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 2,294 |
| Noncurrent loans to loans | 0.1952% | 2,729 |
| Net loans and leases to total assets | 77.4458% | 603 |
| Net loans and leases to deposits | 87.6841% | 859 |
| Net loans and leases to core deposits | 89.7258% | 1,138 |
| Total domestic deposits to total assets | 88.3236% | 2,450 |
| Equity capital to assets | 8.6398% | 2,659 |
| Core capital (leverage) ratio | 9.3004% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $494,517,000 | 1,742 |
| Average earning assets | $454,635,667 | 1,768 |
| Average equity | $43,452,000 | 1,874 |
| Average total loans | $373,016,000 | 1,465 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7856% | 1,109 |
| Cost of funding earning assets | 0.1996% | 2,809 |
| Net interest margin | 3.5860% | 919 |
| Noninterest income to average assets | 0.5908% | 1,733 |
| Noninterest expense to average assets | 2.7686% | 1,218 |
| Loan and lease loss provision to assets | 0.0728% | 1,136 |
| Net operating income to assets | 1.0480% | 1,698 |
| Return on assets (ROA) | 1.0480% | 1,692 |
| Pretax return on assets | 1.0496% | 2,298 |
| Return on Equity (ROE) | 11.8282% | 1,374 |
| Retained earnings to average equity (ytd only) | 4.5212% | 2,771 |
| Net charge-offs to loans | 0.0055% | 1,557 |
| Credit loss provision to net charge-offs | 1,800.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 277.4000% | 340 |
| Efficiency ratio | 71.1522% | 2,085 |
| Assets per employee ($millions) | 3.9781% | 4,407 |
| Cash dividends to net income (ytd only)* | 61.7761% | 1,010 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8705% | 4,113 |
| Loan loss allowance to noncurrent loans | 325.0755% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 2,140 |
| Noncurrent loans to loans | 0.2678% | 2,516 |
| Net loans and leases to total assets | 73.9267% | 663 |
| Net loans and leases to deposits | 83.8281% | 889 |
| Net loans and leases to core deposits | 85.8724% | 1,139 |
| Total domestic deposits to total assets | 88.1884% | 2,440 |
| Equity capital to assets | 8.6732% | 3,002 |
| Core capital (leverage) ratio | 9.2352% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $494,263,000 | 1,749 |
| Average earning assets | $454,880,500 | 1,770 |
| Average equity | $43,793,500 | 1,923 |
| Average total loans | $366,178,500 | 1,475 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6193% | 490 |
| Cost of funding earning assets | 0.2671% | 2,729 |
| Net interest margin | 4.3522% | 371 |
| Noninterest income to average assets | 0.6360% | 2,007 |
| Noninterest expense to average assets | 3.0209% | 948 |
| Loan and lease loss provision to assets | 0.0623% | 1,823 |
| Net operating income to assets | 1.5915% | 835 |
| Return on assets (ROA) | 1.5915% | 866 |
| Pretax return on assets | 1.5931% | 1,447 |
| Return on Equity (ROE) | 16.7764% | 625 |
| Retained earnings to average equity (ytd only) | 5.7971% | 2,443 |
| Net charge-offs to loans | 0.0121% | 2,111 |
| Credit loss provision to net charge-offs | 680.9524% | 679 |
| Earnings coverage of net charge-offs (x) | 181.0238% | 576 |
| Efficiency ratio | 64.6010% | 2,462 |
| Assets per employee ($millions) | 3.9940% | 4,424 |
| Cash dividends to net income (ytd only)* | 65.4446% | 887 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8694% | 4,139 |
| Loan loss allowance to noncurrent loans | 432.3246% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 2,335 |
| Noncurrent loans to loans | 0.2011% | 2,944 |
| Net loans and leases to total assets | 72.9499% | 759 |
| Net loans and leases to deposits | 83.1799% | 974 |
| Net loans and leases to core deposits | 85.2415% | 1,244 |
| Total domestic deposits to total assets | 87.7014% | 2,193 |
| Equity capital to assets | 9.0498% | 3,571 |
| Core capital (leverage) ratio | 9.3543% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $459,305,400 | 1,816 |
| Average earning assets | $426,385,400 | 1,815 |
| Average equity | $43,573,200 | 1,960 |
| Average total loans | $348,123,200 | 1,525 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7185% | 474 |
| Cost of funding earning assets | 0.2855% | 2,742 |
| Net interest margin | 4.4330% | 356 |
| Noninterest income to average assets | 0.5968% | 2,224 |
| Noninterest expense to average assets | 3.0417% | 899 |
| Loan and lease loss provision to assets | 0.0729% | 1,588 |
| Net operating income to assets | 1.5994% | 1,034 |
| Return on assets (ROA) | 1.5994% | 1,079 |
| Pretax return on assets | 1.6009% | 1,698 |
| Return on Equity (ROE) | 16.6509% | 823 |
| Retained earnings to average equity (ytd only) | 6.9199% | 2,451 |
| Net charge-offs to loans | 0.0162% | 1,748 |
| Credit loss provision to net charge-offs | 588.0952% | 712 |
| Earnings coverage of net charge-offs (x) | 134.9048% | 723 |
| Efficiency ratio | 64.5032% | 2,317 |
| Assets per employee ($millions) | 3.5744% | 4,614 |
| Cash dividends to net income (ytd only)* | 58.4411% | 890 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8686% | 4,232 |
| Loan loss allowance to noncurrent loans | 339.9781% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 2,338 |
| Noncurrent loans to loans | 0.2555% | 2,912 |
| Net loans and leases to total assets | 77.4312% | 436 |
| Net loans and leases to deposits | 88.0198% | 714 |
| Net loans and leases to core deposits | 90.2972% | 1,016 |
| Total domestic deposits to total assets | 87.9701% | 1,867 |
| Equity capital to assets | 9.7233% | 3,176 |
| Core capital (leverage) ratio | 9.6699% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $451,317,000 | 1,849 |
| Average earning assets | $419,332,000 | 1,858 |
| Average equity | $43,352,000 | 1,992 |
| Average total loans | $344,775,000 | 1,567 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4897% | 736 |
| Cost of funding earning assets | 0.3059% | 2,727 |
| Net interest margin | 4.1838% | 598 |
| Noninterest income to average assets | 0.5681% | 2,345 |
| Noninterest expense to average assets | 3.0170% | 959 |
| Loan and lease loss provision to assets | 0.0040% | 2,803 |
| Net operating income to assets | 1.4424% | 1,442 |
| Return on assets (ROA) | 1.4424% | 1,508 |
| Pretax return on assets | 1.4442% | 2,196 |
| Return on Equity (ROE) | 15.0789% | 1,132 |
| Retained earnings to average equity (ytd only) | 5.0077% | 3,179 |
| Net charge-offs to loans | 0.0223% | 1,500 |
| Credit loss provision to net charge-offs | 23.6842% | 1,721 |
| Earnings coverage of net charge-offs (x) | 85.6053% | 811 |
| Efficiency ratio | 67.5673% | 1,928 |
| Assets per employee ($millions) | 3.5631% | 4,641 |
| Cash dividends to net income (ytd only)* | 66.7901% | 756 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8303% | 4,321 |
| Loan loss allowance to noncurrent loans | 301.1542% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 2,475 |
| Noncurrent loans to loans | 0.2757% | 2,953 |
| Net loans and leases to total assets | 75.1556% | 661 |
| Net loans and leases to deposits | 85.2393% | 963 |
| Net loans and leases to core deposits | 87.4704% | 1,312 |
| Total domestic deposits to total assets | 88.1701% | 1,740 |
| Equity capital to assets | 9.5073% | 3,322 |
| Core capital (leverage) ratio | 9.5262% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $449,249,333 | 1,847 |
| Average earning assets | $418,473,333 | 1,849 |
| Average equity | $42,974,000 | 1,998 |
| Average total loans | $340,577,667 | 1,593 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4473% | 849 |
| Cost of funding earning assets | 0.3180% | 2,814 |
| Net interest margin | 4.1293% | 694 |
| Noninterest income to average assets | 0.5904% | 2,249 |
| Noninterest expense to average assets | 3.0514% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3933% | 1,592 |
| Return on assets (ROA) | 1.3933% | 1,668 |
| Pretax return on assets | 1.3951% | 2,294 |
| Return on Equity (ROE) | 14.5206% | 1,323 |
| Retained earnings to average equity (ytd only) | 5.1706% | 3,177 |
| Net charge-offs to loans | 0.0248% | 1,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 74.0476% | 736 |
| Efficiency ratio | 68.6239% | 1,859 |
| Assets per employee ($millions) | 3.5832% | 4,661 |
| Cash dividends to net income (ytd only)* | 64.3915% | 807 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8399% | 4,326 |
| Loan loss allowance to noncurrent loans | 172.0263% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 2,009 |
| Noncurrent loans to loans | 0.4883% | 2,391 |
| Net loans and leases to total assets | 74.6647% | 752 |
| Net loans and leases to deposits | 84.6342% | 1,082 |
| Net loans and leases to core deposits | 86.4553% | 1,490 |
| Total domestic deposits to total assets | 88.2205% | 1,729 |
| Equity capital to assets | 9.4023% | 3,289 |
| Core capital (leverage) ratio | 9.7300% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $445,832,500 | 1,856 |
| Average earning assets | $416,339,000 | 1,846 |
| Average equity | $42,780,500 | 1,996 |
| Average total loans | $338,045,500 | 1,604 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8743% | 631 |
| Cost of funding earning assets | 0.9076% | 832 |
| Net interest margin | 3.9667% | 1,047 |
| Noninterest income to average assets | 0.7236% | 1,774 |
| Noninterest expense to average assets | 3.0521% | 1,327 |
| Loan and lease loss provision to assets | 0.0463% | 3,817 |
| Net operating income to assets | 1.2779% | 1,313 |
| Return on assets (ROA) | 1.3245% | 1,288 |
| Pretax return on assets | 1.3261% | 1,898 |
| Return on Equity (ROE) | 13.7408% | 873 |
| Retained earnings to average equity (ytd only) | 6.5341% | 1,579 |
| Net charge-offs to loans | 0.0381% | 2,292 |
| Credit loss provision to net charge-offs | 153.8462% | 2,397 |
| Earnings coverage of net charge-offs (x) | 44.0462% | 1,309 |
| Efficiency ratio | 69.7149% | 1,985 |
| Assets per employee ($millions) | 3.4651% | 4,668 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,708 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8694% | 4,274 |
| Loan loss allowance to noncurrent loans | 151.5421% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 1,991 |
| Noncurrent loans to loans | 0.5737% | 2,262 |
| Net loans and leases to total assets | 75.7080% | 820 |
| Net loans and leases to deposits | 86.2022% | 1,237 |
| Net loans and leases to core deposits | 88.1994% | 1,669 |
| Total domestic deposits to total assets | 87.8260% | 1,565 |
| Equity capital to assets | 9.7972% | 3,318 |
| Core capital (leverage) ratio | 9.5794% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $431,872,800 | 1,758 |
| Average earning assets | $397,863,800 | 1,774 |
| Average equity | $41,628,000 | 1,964 |
| Average total loans | $341,537,800 | 1,532 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8929% | 737 |
| Cost of funding earning assets | 0.8300% | 1,361 |
| Net interest margin | 4.0629% | 968 |
| Noninterest income to average assets | 0.6634% | 1,930 |
| Noninterest expense to average assets | 3.0381% | 1,357 |
| Loan and lease loss provision to assets | 0.0381% | 3,879 |
| Net operating income to assets | 1.3240% | 1,300 |
| Return on assets (ROA) | 1.3863% | 1,231 |
| Pretax return on assets | 1.3878% | 1,774 |
| Return on Equity (ROE) | 14.4420% | 806 |
| Retained earnings to average equity (ytd only) | 8.4111% | 1,170 |
| Net charge-offs to loans | 0.0454% | 1,973 |
| Credit loss provision to net charge-offs | 105.1282% | 2,583 |
| Earnings coverage of net charge-offs (x) | 37.6496% | 1,409 |
| Efficiency ratio | 69.0203% | 2,033 |
| Assets per employee ($millions) | 3.7827% | 4,487 |
| Cash dividends to net income (ytd only)* | 41.7597% | 1,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8076% | 4,345 |
| Loan loss allowance to noncurrent loans | 142.7492% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 1,478 |
| Noncurrent loans to loans | 0.5657% | 2,383 |
| Net loans and leases to total assets | 80.0461% | 611 |
| Net loans and leases to deposits | 97.9758% | 628 |
| Net loans and leases to core deposits | 101.3004% | 1,073 |
| Total domestic deposits to total assets | 81.6999% | 3,495 |
| Equity capital to assets | 9.8025% | 3,428 |
| Core capital (leverage) ratio | 9.6216% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $430,690,000 | 1,742 |
| Average earning assets | $396,291,250 | 1,760 |
| Average equity | $41,341,250 | 1,958 |
| Average total loans | $343,561,500 | 1,516 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9362% | 915 |
| Cost of funding earning assets | 0.8511% | 1,600 |
| Net interest margin | 4.0852% | 1,148 |
| Noninterest income to average assets | 0.5041% | 2,543 |
| Noninterest expense to average assets | 3.0141% | 1,537 |
| Loan and lease loss provision to assets | 0.0573% | 3,585 |
| Net operating income to assets | 1.1793% | 1,697 |
| Return on assets (ROA) | 1.2016% | 1,760 |
| Pretax return on assets | 1.2035% | 2,355 |
| Return on Equity (ROE) | 12.6089% | 1,192 |
| Retained earnings to average equity (ytd only) | 8.2087% | 1,242 |
| Net charge-offs to loans | 0.0668% | 1,578 |
| Credit loss provision to net charge-offs | 107.8947% | 2,351 |
| Earnings coverage of net charge-offs (x) | 23.3158% | 1,603 |
| Efficiency ratio | 70.8776% | 1,834 |
| Assets per employee ($millions) | 3.7290% | 4,526 |
| Cash dividends to net income (ytd only)* | 34.8972% | 2,146 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8060% | 4,329 |
| Loan loss allowance to noncurrent loans | 161.0670% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 1,439 |
| Noncurrent loans to loans | 0.5004% | 2,651 |
| Net loans and leases to total assets | 78.0522% | 842 |
| Net loans and leases to deposits | 100.3543% | 528 |
| Net loans and leases to core deposits | 103.3625% | 1,044 |
| Total domestic deposits to total assets | 77.7766% | 4,217 |
| Equity capital to assets | 9.4049% | 3,740 |
| Core capital (leverage) ratio | 9.4387% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $429,249,000 | 1,716 |
| Average earning assets | $393,864,667 | 1,736 |
| Average equity | $40,907,667 | 1,960 |
| Average total loans | $341,066,667 | 1,507 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0854% | 818 |
| Cost of funding earning assets | 1.0142% | 1,363 |
| Net interest margin | 4.0712% | 1,194 |
| Noninterest income to average assets | 0.3285% | 3,560 |
| Noninterest expense to average assets | 3.0381% | 1,789 |
| Loan and lease loss provision to assets | 0.0257% | 3,469 |
| Net operating income to assets | 0.9892% | 2,216 |
| Return on assets (ROA) | 1.0349% | 2,158 |
| Pretax return on assets | 1.0368% | 2,712 |
| Return on Equity (ROE) | 10.7840% | 1,478 |
| Retained earnings to average equity (ytd only) | 1.8552% | 3,491 |
| Net charge-offs to loans | 0.0918% | 1,143 |
| Credit loss provision to net charge-offs | 35.0649% | 2,123 |
| Earnings coverage of net charge-offs (x) | 13.8701% | 1,629 |
| Efficiency ratio | 74.9237% | 1,698 |
| Assets per employee ($millions) | 3.6373% | 4,343 |
| Cash dividends to net income (ytd only)* | 82.7967% | 975 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8230% | 4,353 |
| Loan loss allowance to noncurrent loans | 250.3604% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 1,530 |
| Noncurrent loans to loans | 0.3287% | 3,315 |
| Net loans and leases to total assets | 80.0602% | 689 |
| Net loans and leases to deposits | 105.5764% | 306 |
| Net loans and leases to core deposits | 109.6069% | 867 |
| Total domestic deposits to total assets | 75.8315% | 4,504 |
| Equity capital to assets | 9.6725% | 4,066 |
| Core capital (leverage) ratio | 9.6781% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $420,134,000 | 1,710 |
| Average earning assets | $384,554,000 | 1,727 |
| Average equity | $40,319,000 | 1,978 |
| Average total loans | $335,547,500 | 1,500 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2084% | 973 |
| Cost of funding earning assets | 1.1561% | 1,140 |
| Net interest margin | 4.0523% | 1,680 |
| Noninterest income to average assets | 0.5188% | 2,633 |
| Noninterest expense to average assets | 3.0734% | 1,826 |
| Loan and lease loss provision to assets | 0.0419% | 3,172 |
| Net operating income to assets | 1.1560% | 2,233 |
| Return on assets (ROA) | 1.1550% | 2,333 |
| Pretax return on assets | 1.1537% | 3,004 |
| Return on Equity (ROE) | 12.0769% | 1,484 |
| Retained earnings to average equity (ytd only) | 6.0359% | 1,846 |
| Net charge-offs to loans | 0.0362% | 2,659 |
| Credit loss provision to net charge-offs | 142.8571% | 1,797 |
| Earnings coverage of net charge-offs (x) | 40.7815% | 1,305 |
| Efficiency ratio | 71.9755% | 1,875 |
| Assets per employee ($millions) | 4.0188% | 3,877 |
| Cash dividends to net income (ytd only)* | 50.0213% | 2,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8484% | 4,159 |
| Loan loss allowance to noncurrent loans | 170.6273% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 1,904 |
| Noncurrent loans to loans | 0.4973% | 2,693 |
| Net loans and leases to total assets | 78.3461% | 1,020 |
| Net loans and leases to deposits | 99.2355% | 654 |
| Net loans and leases to core deposits | 103.2960% | 1,288 |
| Total domestic deposits to total assets | 78.9497% | 4,197 |
| Equity capital to assets | 9.5216% | 4,337 |
| Core capital (leverage) ratio | 9.7414% | 3,799 |
| Tier 1 risk-based capital ratio | 11.2153% | 4,766 |
| Total risk-based capital ratio | 12.0136% | 4,849 |
| Memoranda: |
| Average total assets | $405,549,400 | 1,723 |
| Average earning assets | $375,415,200 | 1,726 |
| Average equity | $38,784,800 | 1,987 |
| Average total loans | $329,136,200 | 1,502 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2278% | 983 |
| Cost of funding earning assets | 1.1641% | 1,127 |
| Net interest margin | 4.0637% | 1,718 |
| Noninterest income to average assets | 0.4949% | 2,763 |
| Noninterest expense to average assets | 3.0815% | 1,756 |
| Loan and lease loss provision to assets | 0.0565% | 2,767 |
| Net operating income to assets | 1.1163% | 2,510 |
| Return on assets (ROA) | 1.1163% | 2,597 |
| Pretax return on assets | 1.1179% | 3,251 |
| Return on Equity (ROE) | 11.6588% | 1,731 |
| Retained earnings to average equity (ytd only) | 4.9154% | 2,931 |
| Net charge-offs to loans | 0.0329% | 2,411 |
| Credit loss provision to net charge-offs | 209.8765% | 1,258 |
| Earnings coverage of net charge-offs (x) | 43.6532% | 1,291 |
| Efficiency ratio | 72.4052% | 1,777 |
| Assets per employee ($millions) | 3.6903% | 4,286 |
| Cash dividends to net income (ytd only)* | 57.8401% | 1,379 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8724% | 4,152 |
| Loan loss allowance to noncurrent loans | 151.0537% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 1,778 |
| Noncurrent loans to loans | 0.5775% | 2,564 |
| Net loans and leases to total assets | 81.7390% | 597 |
| Net loans and leases to deposits | 105.2107% | 351 |
| Net loans and leases to core deposits | 109.1774% | 986 |
| Total domestic deposits to total assets | 77.6908% | 4,409 |
| Equity capital to assets | 9.8771% | 4,135 |
| Core capital (leverage) ratio | 9.7555% | 3,901 |
| Tier 1 risk-based capital ratio | 11.0882% | 4,869 |
| Total risk-based capital ratio | 11.9071% | 4,952 |
| Memoranda: |
| Average total assets | $401,442,000 | 1,748 |
| Average earning assets | $371,539,250 | 1,754 |
| Average equity | $38,436,250 | 2,009 |
| Average total loans | $328,062,000 | 1,519 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1563% | 1,089 |
| Cost of funding earning assets | 1.1359% | 1,178 |
| Net interest margin | 4.0204% | 1,853 |
| Noninterest income to average assets | 0.5393% | 2,448 |
| Noninterest expense to average assets | 2.9557% | 2,123 |
| Loan and lease loss provision to assets | 0.0547% | 2,730 |
| Net operating income to assets | 1.2510% | 1,956 |
| Return on assets (ROA) | 1.2510% | 2,009 |
| Pretax return on assets | 1.2530% | 2,735 |
| Return on Equity (ROE) | 13.2034% | 1,179 |
| Retained earnings to average equity (ytd only) | 6.5046% | 2,050 |
| Net charge-offs to loans | 0.0342% | 2,182 |
| Credit loss provision to net charge-offs | 196.4286% | 1,231 |
| Earnings coverage of net charge-offs (x) | 46.9821% | 1,141 |
| Efficiency ratio | 69.3285% | 2,326 |
| Assets per employee ($millions) | 3.6124% | 4,365 |
| Cash dividends to net income (ytd only)* | 50.7350% | 1,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8522% | 4,259 |
| Loan loss allowance to noncurrent loans | 143.2473% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 1,811 |
| Noncurrent loans to loans | 0.5949% | 2,488 |
| Net loans and leases to total assets | 82.1735% | 582 |
| Net loans and leases to deposits | 105.3990% | 362 |
| Net loans and leases to core deposits | 109.4989% | 1,000 |
| Total domestic deposits to total assets | 77.9642% | 4,405 |
| Equity capital to assets | 9.7433% | 4,198 |
| Core capital (leverage) ratio | 9.5443% | 4,110 |
| Tier 1 risk-based capital ratio | 10.9421% | 4,941 |
| Total risk-based capital ratio | 11.7440% | 5,026 |
| Memoranda: |
| Average total assets | $402,406,670 | 1,750 |
| Average earning assets | $372,747,000 | 1,754 |
| Average equity | $38,126,670 | 2,016 |
| Average total loans | $327,870,670 | 1,521 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0312% | 1,264 |
| Cost of funding earning assets | 1.0781% | 1,263 |
| Net interest margin | 3.9531% | 2,010 |
| Noninterest income to average assets | 0.5447% | 2,315 |
| Noninterest expense to average assets | 2.9678% | 2,081 |
| Loan and lease loss provision to assets | 0.0595% | 2,464 |
| Net operating income to assets | 1.1718% | 2,169 |
| Return on assets (ROA) | 1.1718% | 2,223 |
| Pretax return on assets | 1.1738% | 2,906 |
| Return on Equity (ROE) | 12.5451% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.5222% | 2,238 |
| Net charge-offs to loans | 0.0012% | 2,719 |
| Credit loss provision to net charge-offs | 6,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,243.0000% | 40 |
| Efficiency ratio | 70.6424% | 2,248 |
| Assets per employee ($millions) | 3.8727% | 4,098 |
| Cash dividends to net income (ytd only)* | 48.0102% | 1,684 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8640% | 4,289 |
| Loan loss allowance to noncurrent loans | 148.2236% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 1,883 |
| Noncurrent loans to loans | 0.5829% | 2,589 |
| Net loans and leases to total assets | 80.0489% | 825 |
| Net loans and leases to deposits | 101.9912% | 499 |
| Net loans and leases to core deposits | 106.6695% | 1,127 |
| Total domestic deposits to total assets | 78.4860% | 4,437 |
| Equity capital to assets | 9.3616% | 4,373 |
| Core capital (leverage) ratio | 9.4801% | 4,154 |
| Tier 1 risk-based capital ratio | 10.9793% | 4,986 |
| Total risk-based capital ratio | 11.7986% | 5,067 |
| Memoranda: |
| Average total assets | $403,124,500 | 1,760 |
| Average earning assets | $372,873,000 | 1,760 |
| Average equity | $37,656,000 | 2,032 |
| Average total loans | $325,644,000 | 1,537 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8672% | 1,376 |
| Cost of funding earning assets | 0.8816% | 1,170 |
| Net interest margin | 3.9855% | 2,037 |
| Noninterest income to average assets | 0.5417% | 2,600 |
| Noninterest expense to average assets | 2.8909% | 2,385 |
| Loan and lease loss provision to assets | 0.0857% | 2,425 |
| Net operating income to assets | 1.2456% | 1,993 |
| Return on assets (ROA) | 1.2456% | 1,988 |
| Pretax return on assets | 1.2430% | 2,726 |
| Return on Equity (ROE) | 13.0238% | 1,339 |
| Retained earnings to average equity (ytd only) | 3.9443% | 3,404 |
| Net charge-offs to loans | 0.0743% | 2,055 |
| Credit loss provision to net charge-offs | 141.3043% | 1,918 |
| Earnings coverage of net charge-offs (x) | 21.9130% | 1,923 |
| Efficiency ratio | 68.5118% | 2,470 |
| Assets per employee ($millions) | 4.0366% | 3,848 |
| Cash dividends to net income (ytd only)* | 69.7143% | 1,096 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8602% | 4,326 |
| Loan loss allowance to noncurrent loans | 123.7416% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 1,496 |
| Noncurrent loans to loans | 0.6952% | 2,250 |
| Net loans and leases to total assets | 80.1189% | 925 |
| Net loans and leases to deposits | 102.9241% | 537 |
| Net loans and leases to core deposits | 105.5214% | 1,302 |
| Total domestic deposits to total assets | 77.8427% | 4,518 |
| Equity capital to assets | 9.3201% | 4,300 |
| Core capital (leverage) ratio | 9.6759% | 3,925 |
| Tier 1 risk-based capital ratio | 10.7893% | 5,074 |
| Total risk-based capital ratio | 11.5906% | 5,146 |
| Memoranda: |
| Average total assets | $379,332,000 | 1,800 |
| Average earning assets | $350,040,200 | 1,809 |
| Average equity | $36,279,800 | 2,019 |
| Average total loans | $309,451,600 | 1,561 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8003% | 1,429 |
| Cost of funding earning assets | 0.8460% | 1,132 |
| Net interest margin | 3.9542% | 2,110 |
| Noninterest income to average assets | 0.6003% | 2,306 |
| Noninterest expense to average assets | 2.8949% | 2,318 |
| Loan and lease loss provision to assets | 0.0802% | 2,355 |
| Net operating income to assets | 1.2793% | 1,932 |
| Return on assets (ROA) | 1.2793% | 1,929 |
| Pretax return on assets | 1.2750% | 2,707 |
| Return on Equity (ROE) | 13.2855% | 1,335 |
| Retained earnings to average equity (ytd only) | 3.4962% | 4,023 |
| Net charge-offs to loans | 0.0984% | 1,508 |
| Credit loss provision to net charge-offs | 99.5575% | 2,304 |
| Earnings coverage of net charge-offs (x) | 16.8316% | 2,141 |
| Efficiency ratio | 68.1140% | 2,517 |
| Assets per employee ($millions) | 3.8274% | 4,141 |
| Cash dividends to net income (ytd only)* | 73.6842% | 736 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8451% | 4,480 |
| Loan loss allowance to noncurrent loans | 118.9357% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 1,473 |
| Noncurrent loans to loans | 0.7106% | 2,302 |
| Net loans and leases to total assets | 83.0448% | 560 |
| Net loans and leases to deposits | 106.6009% | 420 |
| Net loans and leases to core deposits | 108.7679% | 1,113 |
| Total domestic deposits to total assets | 77.9025% | 4,495 |
| Equity capital to assets | 9.6190% | 3,980 |
| Core capital (leverage) ratio | 9.8277% | 3,822 |
| Tier 1 risk-based capital ratio | 10.7789% | 5,142 |
| Total risk-based capital ratio | 11.5619% | 5,216 |
| Memoranda: |
| Average total assets | $374,260,000 | 1,824 |
| Average earning assets | $345,444,750 | 1,834 |
| Average equity | $36,038,500 | 2,033 |
| Average total loans | $306,077,250 | 1,578 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7046% | 1,497 |
| Cost of funding earning assets | 0.8007% | 1,119 |
| Net interest margin | 3.9039% | 2,190 |
| Noninterest income to average assets | 0.5629% | 2,505 |
| Noninterest expense to average assets | 2.8215% | 2,596 |
| Loan and lease loss provision to assets | 0.1207% | 1,633 |
| Net operating income to assets | 1.2305% | 2,058 |
| Return on assets (ROA) | 1.2305% | 2,052 |
| Pretax return on assets | 1.2235% | 2,859 |
| Return on Equity (ROE) | 12.7737% | 1,452 |
| Retained earnings to average equity (ytd only) | 3.0360% | 4,035 |
| Net charge-offs to loans | 0.0628% | 1,718 |
| Credit loss provision to net charge-offs | 236.8421% | 1,181 |
| Earnings coverage of net charge-offs (x) | 26.3684% | 1,603 |
| Efficiency ratio | 67.7315% | 2,691 |
| Assets per employee ($millions) | 3.6510% | 4,401 |
| Cash dividends to net income (ytd only)* | 76.2320% | 804 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9020% | 4,334 |
| Loan loss allowance to noncurrent loans | 135.8937% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 1,533 |
| Noncurrent loans to loans | 0.6638% | 2,452 |
| Net loans and leases to total assets | 81.3905% | 795 |
| Net loans and leases to deposits | 103.3074% | 569 |
| Net loans and leases to core deposits | 110.4747% | 972 |
| Total domestic deposits to total assets | 78.7848% | 4,465 |
| Equity capital to assets | 9.5251% | 4,074 |
| Core capital (leverage) ratio | 9.8388% | 3,747 |
| Tier 1 risk-based capital ratio | 11.2268% | 4,937 |
| Total risk-based capital ratio | 12.0916% | 5,027 |
| Memoranda: |
| Average total assets | $372,708,000 | 1,835 |
| Average earning assets | $343,964,330 | 1,847 |
| Average equity | $35,902,000 | 2,041 |
| Average total loans | $302,319,000 | 1,594 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5916% | 1,601 |
| Cost of funding earning assets | 0.7682% | 1,104 |
| Net interest margin | 3.8234% | 2,324 |
| Noninterest income to average assets | 0.5547% | 2,501 |
| Noninterest expense to average assets | 2.8190% | 2,635 |
| Loan and lease loss provision to assets | 0.1625% | 1,110 |
| Net operating income to assets | 1.0942% | 2,448 |
| Return on assets (ROA) | 1.0942% | 2,466 |
| Pretax return on assets | 1.0996% | 3,177 |
| Return on Equity (ROE) | 11.2945% | 1,855 |
| Retained earnings to average equity (ytd only) | -0.3467% | 4,841 |
| Net charge-offs to loans | 0.1008% | 1,183 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 15.5333% | 1,659 |
| Efficiency ratio | 69.0735% | 2,653 |
| Assets per employee ($millions) | 3.5448% | 4,615 |
| Cash dividends to net income (ytd only)* | 103.0693% | 566 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9158% | 4,376 |
| Loan loss allowance to noncurrent loans | 137.0775% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 1,579 |
| Noncurrent loans to loans | 0.6681% | 2,547 |
| Net loans and leases to total assets | 80.9431% | 802 |
| Net loans and leases to deposits | 101.1464% | 632 |
| Net loans and leases to core deposits | 107.7041% | 1,143 |
| Total domestic deposits to total assets | 80.0258% | 4,412 |
| Equity capital to assets | 9.6539% | 3,936 |
| Core capital (leverage) ratio | 9.7740% | 3,780 |
| Tier 1 risk-based capital ratio | 11.5950% | 4,807 |
| Total risk-based capital ratio | 12.4847% | 4,907 |
| Memoranda: |
| Average total assets | $369,210,000 | 1,861 |
| Average earning assets | $340,534,500 | 1,869 |
| Average equity | $35,769,500 | 2,056 |
| Average total loans | $297,550,500 | 1,615 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6576% | 1,290 |
| Cost of funding earning assets | 0.6508% | 1,287 |
| Net interest margin | 4.0068% | 1,729 |
| Noninterest income to average assets | 0.6095% | 2,406 |
| Noninterest expense to average assets | 2.9215% | 2,384 |
| Loan and lease loss provision to assets | 0.2636% | 691 |
| Net operating income to assets | 1.1198% | 1,794 |
| Return on assets (ROA) | 1.1198% | 1,820 |
| Pretax return on assets | 1.1249% | 3,088 |
| Return on Equity (ROE) | 11.3150% | 1,390 |
| Retained earnings to average equity (ytd only) | 4.1670% | 2,667 |
| Net charge-offs to loans | 0.3536% | 719 |
| Credit loss provision to net charge-offs | 92.4603% | 2,737 |
| Earnings coverage of net charge-offs (x) | 4.8700% | 3,403 |
| Efficiency ratio | 67.7845% | 2,935 |
| Assets per employee ($millions) | 3.7349% | 4,383 |
| Cash dividends to net income (ytd only)* | 63.1725% | 1,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9128% | 4,403 |
| Loan loss allowance to noncurrent loans | 159.2285% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 1,820 |
| Noncurrent loans to loans | 0.5733% | 2,784 |
| Net loans and leases to total assets | 78.7687% | 1,166 |
| Net loans and leases to deposits | 98.3428% | 874 |
| Net loans and leases to core deposits | 102.0579% | 1,550 |
| Total domestic deposits to total assets | 80.0960% | 4,318 |
| Equity capital to assets | 9.7223% | 4,006 |
| Core capital (leverage) ratio | 9.8279% | 3,665 |
| Tier 1 risk-based capital ratio | 12.0678% | 4,483 |
| Total risk-based capital ratio | 12.9678% | 4,586 |
| Memoranda: |
| Average total assets | $353,555,600 | 1,900 |
| Average earning assets | $326,521,600 | 1,908 |
| Average equity | $34,988,800 | 2,082 |
| Average total loans | $285,045,800 | 1,631 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6183% | 1,322 |
| Cost of funding earning assets | 0.6162% | 1,428 |
| Net interest margin | 4.0021% | 1,694 |
| Noninterest income to average assets | 0.6142% | 2,396 |
| Noninterest expense to average assets | 2.8977% | 2,417 |
| Loan and lease loss provision to assets | 0.3487% | 430 |
| Net operating income to assets | 1.0640% | 2,263 |
| Return on assets (ROA) | 1.0640% | 2,301 |
| Pretax return on assets | 1.0693% | 3,427 |
| Return on Equity (ROE) | 10.7013% | 1,824 |
| Retained earnings to average equity (ytd only) | 3.2921% | 3,965 |
| Net charge-offs to loans | 0.4634% | 449 |
| Credit loss provision to net charge-offs | 92.9807% | 2,419 |
| Earnings coverage of net charge-offs (x) | 3.7813% | 3,298 |
| Efficiency ratio | 67.1440% | 3,027 |
| Assets per employee ($millions) | 3.6952% | 4,455 |
| Cash dividends to net income (ytd only)* | 69.2363% | 995 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9050% | 4,546 |
| Loan loss allowance to noncurrent loans | 303.7246% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 2,563 |
| Noncurrent loans to loans | 0.2980% | 3,874 |
| Net loans and leases to total assets | 80.5447% | 911 |
| Net loans and leases to deposits | 105.8643% | 426 |
| Net loans and leases to core deposits | 106.8551% | 1,211 |
| Total domestic deposits to total assets | 76.0830% | 5,008 |
| Equity capital to assets | 9.6568% | 4,287 |
| Core capital (leverage) ratio | 9.9881% | 3,581 |
| Tier 1 risk-based capital ratio | 11.6062% | 4,878 |
| Total risk-based capital ratio | 12.4890% | 5,014 |
| Memoranda: |
| Average total assets | $349,504,500 | 1,930 |
| Average earning assets | $323,253,750 | 1,934 |
| Average equity | $34,748,750 | 2,103 |
| Average total loans | $282,822,750 | 1,651 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5534% | 1,383 |
| Cost of funding earning assets | 0.6005% | 1,445 |
| Net interest margin | 3.9529% | 1,766 |
| Noninterest income to average assets | 0.5702% | 2,598 |
| Noninterest expense to average assets | 2.9035% | 2,415 |
| Loan and lease loss provision to assets | 0.3557% | 399 |
| Net operating income to assets | 0.9597% | 2,608 |
| Return on assets (ROA) | 0.9597% | 2,667 |
| Pretax return on assets | 0.9649% | 3,706 |
| Return on Equity (ROE) | 9.5555% | 2,241 |
| Retained earnings to average equity (ytd only) | 1.8173% | 4,526 |
| Net charge-offs to loans | 0.5662% | 348 |
| Credit loss provision to net charge-offs | 77.7637% | 2,288 |
| Earnings coverage of net charge-offs (x) | 2.8869% | 3,110 |
| Efficiency ratio | 68.7354% | 2,888 |
| Assets per employee ($millions) | 3.4647% | 4,775 |
| Cash dividends to net income (ytd only)* | 80.9812% | 833 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9115% | 4,590 |
| Loan loss allowance to noncurrent loans | 318.6190% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 2,232 |
| Noncurrent loans to loans | 0.2861% | 4,017 |
| Net loans and leases to total assets | 81.8981% | 680 |
| Net loans and leases to deposits | 104.3103% | 476 |
| Net loans and leases to core deposits | 106.2598% | 1,215 |
| Total domestic deposits to total assets | 78.5140% | 4,728 |
| Equity capital to assets | 10.1484% | 3,736 |
| Core capital (leverage) ratio | 10.2717% | 3,175 |
| Tier 1 risk-based capital ratio | 11.6735% | 4,855 |
| Total risk-based capital ratio | 12.5394% | 4,979 |
| Memoranda: |
| Average total assets | $344,064,670 | 1,956 |
| Average earning assets | $318,047,330 | 1,963 |
| Average equity | $34,556,000 | 2,105 |
| Average total loans | $277,982,670 | 1,672 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4316% | 1,552 |
| Cost of funding earning assets | 0.5596% | 1,648 |
| Net interest margin | 3.8720% | 1,881 |
| Noninterest income to average assets | 0.5537% | 2,640 |
| Noninterest expense to average assets | 2.8846% | 2,506 |
| Loan and lease loss provision to assets | 0.3146% | 401 |
| Net operating income to assets | 0.9310% | 2,608 |
| Return on assets (ROA) | 0.9310% | 2,663 |
| Pretax return on assets | 0.9368% | 3,639 |
| Return on Equity (ROE) | 9.3177% | 2,267 |
| Retained earnings to average equity (ytd only) | 0.3137% | 4,844 |
| Net charge-offs to loans | 1.0944% | 159 |
| Credit loss provision to net charge-offs | 35.9894% | 2,085 |
| Earnings coverage of net charge-offs (x) | 1.4316% | 2,732 |
| Efficiency ratio | 69.7446% | 2,935 |
| Assets per employee ($millions) | 3.6282% | 4,606 |
| Cash dividends to net income (ytd only)* | 96.6334% | 733 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8222% | 5,001 |
| Loan loss allowance to noncurrent loans | 120.7958% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 2,275 |
| Noncurrent loans to loans | 0.6807% | 2,809 |
| Net loans and leases to total assets | 80.5322% | 763 |
| Net loans and leases to deposits | 101.2796% | 533 |
| Net loans and leases to core deposits | 103.0972% | 1,286 |
| Total domestic deposits to total assets | 79.5147% | 4,709 |
| Equity capital to assets | 10.1029% | 3,617 |
| Core capital (leverage) ratio | 10.1339% | 3,335 |
| Tier 1 risk-based capital ratio | 11.6632% | 4,938 |
| Total risk-based capital ratio | 12.4319% | 5,109 |
| Memoranda: |
| Average total assets | $344,592,500 | 1,965 |
| Average earning assets | $318,803,000 | 1,969 |
| Average equity | $34,429,000 | 2,118 |
| Average total loans | $275,223,000 | 1,698 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5677% | 1,365 |
| Cost of funding earning assets | 0.5653% | 1,563 |
| Net interest margin | 4.0024% | 1,624 |
| Noninterest income to average assets | 0.4738% | 3,390 |
| Noninterest expense to average assets | 2.8129% | 2,982 |
| Loan and lease loss provision to assets | 0.0346% | 3,668 |
| Net operating income to assets | 1.3325% | 1,134 |
| Return on assets (ROA) | 1.3325% | 1,189 |
| Pretax return on assets | 1.3358% | 2,161 |
| Return on Equity (ROE) | 13.1716% | 956 |
| Retained earnings to average equity (ytd only) | 4.5330% | 2,675 |
| Net charge-offs to loans | 0.0280% | 3,469 |
| Credit loss provision to net charge-offs | 150.6494% | 1,816 |
| Earnings coverage of net charge-offs (x) | 59.6883% | 894 |
| Efficiency ratio | 67.2416% | 3,394 |
| Assets per employee ($millions) | 3.5890% | 4,627 |
| Cash dividends to net income (ytd only)* | 65.5851% | 1,516 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0087% | 4,265 |
| Loan loss allowance to noncurrent loans | 85.4180% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 1,931 |
| Noncurrent loans to loans | 1.1809% | 1,739 |
| Net loans and leases to total assets | 77.7730% | 1,233 |
| Net loans and leases to deposits | 96.5985% | 943 |
| Net loans and leases to core deposits | 98.6371% | 1,730 |
| Total domestic deposits to total assets | 80.5116% | 4,453 |
| Equity capital to assets | 9.8818% | 3,842 |
| Core capital (leverage) ratio | 10.1815% | 3,249 |
| Tier 1 risk-based capital ratio | 11.9823% | 4,740 |
| Total risk-based capital ratio | 12.9399% | 4,835 |
| Memoranda: |
| Average total assets | $335,378,200 | 1,974 |
| Average earning assets | $310,834,800 | 1,970 |
| Average equity | $33,929,000 | 2,137 |
| Average total loans | $274,587,000 | 1,647 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6037% | 1,286 |
| Cost of funding earning assets | 0.5641% | 1,584 |
| Net interest margin | 4.0396% | 1,555 |
| Noninterest income to average assets | 0.4897% | 3,323 |
| Noninterest expense to average assets | 2.8481% | 2,833 |
| Loan and lease loss provision to assets | 0.0321% | 3,591 |
| Net operating income to assets | 1.3494% | 1,169 |
| Return on assets (ROA) | 1.3494% | 1,247 |
| Pretax return on assets | 1.3518% | 2,228 |
| Return on Equity (ROE) | 13.2578% | 977 |
| Retained earnings to average equity (ytd only) | 4.4876% | 3,146 |
| Net charge-offs to loans | 0.0126% | 3,512 |
| Credit loss provision to net charge-offs | 307.6923% | 1,011 |
| Earnings coverage of net charge-offs (x) | 132.5994% | 513 |
| Efficiency ratio | 67.2989% | 3,357 |
| Assets per employee ($millions) | 3.3862% | 4,924 |
| Cash dividends to net income (ytd only)* | 66.1512% | 1,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9958% | 4,440 |
| Loan loss allowance to noncurrent loans | 60.6737% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.5690% | 1,120 |
| Noncurrent loans to loans | 1.6413% | 1,302 |
| Net loans and leases to total assets | 82.2686% | 581 |
| Net loans and leases to deposits | 103.8936% | 464 |
| Net loans and leases to core deposits | 106.3290% | 1,162 |
| Total domestic deposits to total assets | 79.1854% | 4,680 |
| Equity capital to assets | 10.2432% | 3,863 |
| Core capital (leverage) ratio | 10.3286% | 3,189 |
| Tier 1 risk-based capital ratio | 11.6778% | 4,991 |
| Total risk-based capital ratio | 12.6271% | 5,068 |
| Memoranda: |
| Average total assets | $332,189,000 | 1,996 |
| Average earning assets | $307,746,000 | 1,995 |
| Average equity | $33,810,750 | 2,157 |
| Average total loans | $274,855,250 | 1,644 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5989% | 1,266 |
| Cost of funding earning assets | 0.5633% | 1,592 |
| Net interest margin | 4.0356% | 1,535 |
| Noninterest income to average assets | 0.5429% | 2,941 |
| Noninterest expense to average assets | 2.8311% | 2,915 |
| Loan and lease loss provision to assets | 0.0272% | 3,582 |
| Net operating income to assets | 1.4174% | 1,034 |
| Return on assets (ROA) | 1.4174% | 1,077 |
| Pretax return on assets | 1.4228% | 1,940 |
| Return on Equity (ROE) | 13.9558% | 840 |
| Retained earnings to average equity (ytd only) | 5.6370% | 2,343 |
| Net charge-offs to loans | 0.0073% | 3,439 |
| Credit loss provision to net charge-offs | 450.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 240.1000% | 271 |
| Efficiency ratio | 66.1306% | 3,665 |
| Assets per employee ($millions) | 3.4700% | 4,800 |
| Cash dividends to net income (ytd only)* | 59.6080% | 1,544 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9969% | 4,551 |
| Loan loss allowance to noncurrent loans | 80.6971% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.2659% | 1,612 |
| Noncurrent loans to loans | 1.2353% | 1,861 |
| Net loans and leases to total assets | 82.1348% | 613 |
| Net loans and leases to deposits | 101.4340% | 601 |
| Net loans and leases to core deposits | 103.9691% | 1,321 |
| Total domestic deposits to total assets | 80.9737% | 4,288 |
| Equity capital to assets | 10.2679% | 3,903 |
| Core capital (leverage) ratio | 10.2774% | 3,237 |
| Tier 1 risk-based capital ratio | 11.7728% | 4,994 |
| Total risk-based capital ratio | 12.7286% | 5,056 |
| Memoranda: |
| Average total assets | $331,173,330 | 2,009 |
| Average earning assets | $306,771,670 | 2,010 |
| Average equity | $33,634,670 | 2,164 |
| Average total loans | $273,617,670 | 1,650 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6291% | 1,187 |
| Cost of funding earning assets | 0.5608% | 1,619 |
| Net interest margin | 4.0683% | 1,428 |
| Noninterest income to average assets | 0.5112% | 3,040 |
| Noninterest expense to average assets | 2.8504% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4161% | 1,016 |
| Return on assets (ROA) | 1.4161% | 1,070 |
| Pretax return on assets | 1.4222% | 1,834 |
| Return on Equity (ROE) | 14.0210% | 829 |
| Retained earnings to average equity (ytd only) | 7.0525% | 1,858 |
| Net charge-offs to loans | -0.0015% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7139% | 3,682 |
| Assets per employee ($millions) | 3.8426% | 4,221 |
| Cash dividends to net income (ytd only)* | 49.7006% | 1,764 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9978% | 4,625 |
| Loan loss allowance to noncurrent loans | 98.0541% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.1695% | 1,882 |
| Noncurrent loans to loans | 1.0176% | 2,349 |
| Net loans and leases to total assets | 82.6583% | 486 |
| Net loans and leases to deposits | 100.9920% | 563 |
| Net loans and leases to core deposits | 103.5334% | 1,219 |
| Total domestic deposits to total assets | 81.8464% | 4,272 |
| Equity capital to assets | 10.3201% | 3,723 |
| Core capital (leverage) ratio | 10.2232% | 3,290 |
| Tier 1 risk-based capital ratio | 11.9285% | 4,956 |
| Total risk-based capital ratio | 12.8951% | 5,052 |
| Memoranda: |
| Average total assets | $330,201,500 | 2,024 |
| Average earning assets | $305,284,000 | 2,022 |
| Average equity | $33,350,000 | 2,182 |
| Average total loans | $272,246,500 | 1,654 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5744% | 1,400 |
| Cost of funding earning assets | 0.5888% | 1,443 |
| Net interest margin | 3.9855% | 1,766 |
| Noninterest income to average assets | 0.5423% | 3,059 |
| Noninterest expense to average assets | 2.9146% | 2,808 |
| Loan and lease loss provision to assets | 0.1544% | 1,521 |
| Net operating income to assets | 1.1522% | 1,724 |
| Return on assets (ROA) | 1.1682% | 1,748 |
| Pretax return on assets | 1.1639% | 2,798 |
| Return on Equity (ROE) | 11.6283% | 1,401 |
| Retained earnings to average equity (ytd only) | 3.8915% | 3,267 |
| Net charge-offs to loans | 0.0395% | 3,439 |
| Credit loss provision to net charge-offs | 485.4369% | 649 |
| Earnings coverage of net charge-offs (x) | 40.9417% | 1,157 |
| Efficiency ratio | 69.1175% | 3,379 |
| Assets per employee ($millions) | 3.5890% | 4,660 |
| Cash dividends to net income (ytd only)* | 66.5345% | 1,405 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0008% | 4,610 |
| Loan loss allowance to noncurrent loans | 63.8198% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.4725% | 1,387 |
| Noncurrent loans to loans | 1.5681% | 1,468 |
| Net loans and leases to total assets | 80.6132% | 759 |
| Net loans and leases to deposits | 100.2179% | 658 |
| Net loans and leases to core deposits | 102.6002% | 1,320 |
| Total domestic deposits to total assets | 80.4380% | 4,628 |
| Equity capital to assets | 9.8844% | 4,096 |
| Core capital (leverage) ratio | 11.8591% | 1,718 |
| Tier 1 risk-based capital ratio | 11.3320% | 5,359 |
| Total risk-based capital ratio | 12.2664% | 5,417 |
| Memoranda: |
| Average total assets | $323,818,800 | 2,025 |
| Average earning assets | $298,554,600 | 2,024 |
| Average equity | $32,532,800 | 2,168 |
| Average total loans | $261,089,000 | 1,664 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6271% | 1,270 |
| Cost of funding earning assets | 0.5097% | 2,124 |
| Net interest margin | 4.1174% | 1,365 |
| Noninterest income to average assets | 0.6278% | 2,592 |
| Noninterest expense to average assets | 3.1206% | 2,171 |
| Loan and lease loss provision to assets | 0.1262% | 1,794 |
| Net operating income to assets | 1.1615% | 1,792 |
| Return on assets (ROA) | 1.1615% | 1,857 |
| Pretax return on assets | 1.1615% | 2,965 |
| Return on Equity (ROE) | 12.1723% | 1,330 |
| Retained earnings to average equity (ytd only) | 4.2791% | 3,419 |
| Net charge-offs to loans | 0.0770% | 2,460 |
| Credit loss provision to net charge-offs | 206.2500% | 1,306 |
| Earnings coverage of net charge-offs (x) | 21.0508% | 1,841 |
| Efficiency ratio | 70.7892% | 3,080 |
| Assets per employee ($millions) | 2.8636% | 5,697 |
| Cash dividends to net income (ytd only)* | 64.8454% | 1,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9433% | 5,006 |
| Loan loss allowance to noncurrent loans | 159.5819% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 3,658 |
| Noncurrent loans to loans | 0.5911% | 3,554 |
| Net loans and leases to total assets | 79.9778% | 823 |
| Net loans and leases to deposits | 93.9257% | 1,213 |
| Net loans and leases to core deposits | 96.6332% | 1,829 |
| Total domestic deposits to total assets | 85.1501% | 2,951 |
| Equity capital to assets | 9.3944% | 4,885 |
| Core capital (leverage) ratio | 9.4099% | 4,422 |
| Tier 1 risk-based capital ratio | 10.9544% | 5,680 |
| Total risk-based capital ratio | 11.8455% | 5,767 |
| Memoranda: |
| Average total assets | $174,365,250 | 3,268 |
| Average earning assets | $160,095,250 | 3,285 |
| Average equity | $16,638,500 | 3,608 |
| Average total loans | $138,536,000 | 2,763 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6041% | 1,270 |
| Cost of funding earning assets | 0.4910% | 2,340 |
| Net interest margin | 4.1130% | 1,321 |
| Noninterest income to average assets | 0.5941% | 2,775 |
| Noninterest expense to average assets | 3.0983% | 2,247 |
| Loan and lease loss provision to assets | 0.1044% | 2,087 |
| Net operating income to assets | 1.1627% | 1,737 |
| Return on assets (ROA) | 1.1627% | 1,809 |
| Pretax return on assets | 1.1627% | 2,930 |
| Return on Equity (ROE) | 12.1195% | 1,336 |
| Retained earnings to average equity (ytd only) | 3.5923% | 3,740 |
| Net charge-offs to loans | 0.0426% | 2,848 |
| Credit loss provision to net charge-offs | 310.3448% | 910 |
| Earnings coverage of net charge-offs (x) | 37.6552% | 1,178 |
| Efficiency ratio | 70.9729% | 3,161 |
| Assets per employee ($millions) | 2.8798% | 5,731 |
| Cash dividends to net income (ytd only)* | 70.3593% | 1,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9516% | 5,092 |
| Loan loss allowance to noncurrent loans | 222.0395% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 4,136 |
| Noncurrent loans to loans | 0.4286% | 4,192 |
| Net loans and leases to total assets | 79.9895% | 804 |
| Net loans and leases to deposits | 96.9678% | 875 |
| Net loans and leases to core deposits | 99.0561% | 1,565 |
| Total domestic deposits to total assets | 82.4908% | 4,130 |
| Equity capital to assets | 9.4656% | 4,687 |
| Core capital (leverage) ratio | 9.6438% | 4,083 |
| Tier 1 risk-based capital ratio | 11.0794% | 5,673 |
| Total risk-based capital ratio | 11.9776% | 5,768 |
| Memoranda: |
| Average total assets | $172,352,000 | 3,310 |
| Average earning assets | $158,034,330 | 3,332 |
| Average equity | $16,535,330 | 3,634 |
| Average total loans | $136,162,000 | 2,809 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5784% | 1,274 |
| Cost of funding earning assets | 0.5053% | 2,238 |
| Net interest margin | 4.0731% | 1,349 |
| Noninterest income to average assets | 0.5249% | 3,121 |
| Noninterest expense to average assets | 3.0979% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1483% | 1,711 |
| Return on assets (ROA) | 1.1483% | 1,815 |
| Pretax return on assets | 1.1483% | 2,873 |
| Return on Equity (ROE) | 11.8867% | 1,379 |
| Retained earnings to average equity (ytd only) | 3.1536% | 4,089 |
| Net charge-offs to loans | 0.0270% | 2,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 54.4444% | 792 |
| Efficiency ratio | 72.9581% | 2,996 |
| Assets per employee ($millions) | 2.9476% | 5,736 |
| Cash dividends to net income (ytd only)* | 73.4694% | 1,100 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9787% | 5,133 |
| Loan loss allowance to noncurrent loans | 144.1441% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 3,837 |
| Noncurrent loans to loans | 0.6790% | 3,583 |
| Net loans and leases to total assets | 75.7538% | 1,247 |
| Net loans and leases to deposits | 90.0280% | 1,390 |
| Net loans and leases to core deposits | 91.9768% | 1,947 |
| Total domestic deposits to total assets | 84.1447% | 3,762 |
| Equity capital to assets | 9.7047% | 4,504 |
| Core capital (leverage) ratio | 9.6861% | 4,032 |
| Tier 1 risk-based capital ratio | 11.9265% | 5,283 |
| Total risk-based capital ratio | 12.8525% | 5,411 |
| Memoranda: |
| Average total assets | $170,694,000 | 3,351 |
| Average earning assets | $155,950,000 | 3,378 |
| Average equity | $16,489,000 | 3,665 |
| Average total loans | $133,310,000 | 2,862 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6190% | 1,504 |
| Cost of funding earning assets | 0.5415% | 2,278 |
| Net interest margin | 4.0774% | 1,657 |
| Noninterest income to average assets | 0.5855% | 2,949 |
| Noninterest expense to average assets | 2.8895% | 3,179 |
| Loan and lease loss provision to assets | 0.0904% | 2,660 |
| Net operating income to assets | 1.3382% | 1,212 |
| Return on assets (ROA) | 1.3211% | 1,305 |
| Pretax return on assets | 1.3211% | 2,173 |
| Return on Equity (ROE) | 13.7594% | 979 |
| Retained earnings to average equity (ytd only) | 6.3774% | 1,721 |
| Net charge-offs to loans | -0.0031% | 5,413 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9164% | 4,074 |
| Assets per employee ($millions) | 2.9384% | 5,776 |
| Cash dividends to net income (ytd only)* | 53.6506% | 2,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9490% | 5,296 |
| Loan loss allowance to noncurrent loans | 139.2009% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 3,816 |
| Noncurrent loans to loans | 0.6817% | 3,639 |
| Net loans and leases to total assets | 78.9437% | 887 |
| Net loans and leases to deposits | 96.9805% | 833 |
| Net loans and leases to core deposits | 99.1532% | 1,453 |
| Total domestic deposits to total assets | 81.4016% | 4,628 |
| Equity capital to assets | 9.6151% | 4,570 |
| Core capital (leverage) ratio | 9.6943% | 3,975 |
| Tier 1 risk-based capital ratio | 11.4748% | 5,678 |
| Total risk-based capital ratio | 12.3813% | 5,792 |
| Memoranda: |
| Average total assets | $163,800,600 | 3,428 |
| Average earning assets | $149,947,400 | 3,441 |
| Average equity | $15,727,400 | 3,721 |
| Average total loans | $128,035,400 | 2,901 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5869% | 1,600 |
| Cost of funding earning assets | 0.5500% | 2,293 |
| Net interest margin | 4.0368% | 1,761 |
| Noninterest income to average assets | 0.6027% | 2,852 |
| Noninterest expense to average assets | 2.8221% | 3,377 |
| Loan and lease loss provision to assets | 0.0888% | 2,579 |
| Net operating income to assets | 1.3913% | 1,151 |
| Return on assets (ROA) | 1.3683% | 1,239 |
| Pretax return on assets | 1.3683% | 2,123 |
| Return on Equity (ROE) | 14.2561% | 940 |
| Retained earnings to average equity (ytd only) | 8.1647% | 1,284 |
| Net charge-offs to loans | -0.0063% | 5,339 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5963% | 4,275 |
| Assets per employee ($millions) | 2.9382% | 5,799 |
| Cash dividends to net income (ytd only)* | 42.7286% | 2,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9583% | 5,386 |
| Loan loss allowance to noncurrent loans | 123.4946% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 3,842 |
| Noncurrent loans to loans | 0.7760% | 3,642 |
| Net loans and leases to total assets | 78.5752% | 883 |
| Net loans and leases to deposits | 96.8812% | 807 |
| Net loans and leases to core deposits | 99.9003% | 1,373 |
| Total domestic deposits to total assets | 81.1047% | 4,795 |
| Equity capital to assets | 9.8938% | 4,307 |
| Core capital (leverage) ratio | 9.9021% | 3,816 |
| Tier 1 risk-based capital ratio | 11.7884% | 5,616 |
| Total risk-based capital ratio | 12.6949% | 5,753 |
| Memoranda: |
| Average total assets | $162,143,500 | 3,489 |
| Average earning assets | $148,594,500 | 3,498 |
| Average equity | $15,562,500 | 3,758 |
| Average total loans | $126,086,250 | 2,954 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5198% | 1,773 |
| Cost of funding earning assets | 0.5523% | 2,329 |
| Net interest margin | 3.9675% | 1,910 |
| Noninterest income to average assets | 0.5343% | 3,240 |
| Noninterest expense to average assets | 2.8126% | 3,451 |
| Loan and lease loss provision to assets | 0.1016% | 2,323 |
| Net operating income to assets | 1.2532% | 1,437 |
| Return on assets (ROA) | 1.2185% | 1,596 |
| Pretax return on assets | 1.2185% | 2,580 |
| Return on Equity (ROE) | 12.8298% | 1,226 |
| Retained earnings to average equity (ytd only) | 3.5501% | 3,939 |
| Net charge-offs to loans | -0.0032% | 5,106 |
| Credit loss provision to net charge-offs | -4,100.0000% | 5,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4896% | 4,112 |
| Assets per employee ($millions) | 3.0604% | 5,669 |
| Cash dividends to net income (ytd only)* | 72.3296% | 1,112 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9370% | 5,610 |
| Loan loss allowance to noncurrent loans | 129.3432% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7195% | 3,824 |
| Noncurrent loans to loans | 0.7244% | 3,885 |
| Net loans and leases to total assets | 78.1125% | 896 |
| Net loans and leases to deposits | 94.4988% | 924 |
| Net loans and leases to core deposits | 97.1683% | 1,509 |
| Total domestic deposits to total assets | 82.6598% | 4,429 |
| Equity capital to assets | 9.4207% | 4,821 |
| Core capital (leverage) ratio | 9.6855% | 4,064 |
| Tier 1 risk-based capital ratio | 11.2812% | 5,914 |
| Total risk-based capital ratio | 12.1647% | 6,030 |
| Memoranda: |
| Average total assets | $161,345,330 | 3,516 |
| Average earning assets | $147,749,000 | 3,522 |
| Average equity | $15,323,670 | 3,797 |
| Average total loans | $124,602,670 | 2,978 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4882% | 1,847 |
| Cost of funding earning assets | 0.5668% | 2,273 |
| Net interest margin | 3.9213% | 2,010 |
| Noninterest income to average assets | 0.4919% | 3,478 |
| Noninterest expense to average assets | 2.7355% | 3,816 |
| Loan and lease loss provision to assets | 0.0552% | 3,008 |
| Net operating income to assets | 1.2950% | 1,233 |
| Return on assets (ROA) | 1.2473% | 1,412 |
| Pretax return on assets | 1.2473% | 2,290 |
| Return on Equity (ROE) | 13.0781% | 1,143 |
| Retained earnings to average equity (ytd only) | 4.6313% | 3,338 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9533% | 4,371 |
| Assets per employee ($millions) | 3.0703% | 5,741 |
| Cash dividends to net income (ytd only)* | 64.5875% | 1,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9477% | 5,710 |
| Loan loss allowance to noncurrent loans | 141.8605% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 4,125 |
| Noncurrent loans to loans | 0.6680% | 4,192 |
| Net loans and leases to total assets | 75.8761% | 1,015 |
| Net loans and leases to deposits | 91.5480% | 987 |
| Net loans and leases to core deposits | 94.5070% | 1,510 |
| Total domestic deposits to total assets | 82.8812% | 4,648 |
| Equity capital to assets | 9.6358% | 4,309 |
| Core capital (leverage) ratio | 9.7932% | 3,870 |
| Tier 1 risk-based capital ratio | 11.7964% | 5,766 |
| Total risk-based capital ratio | 12.6962% | 5,894 |
| Memoranda: |
| Average total assets | $159,386,500 | 3,568 |
| Average earning assets | $146,073,500 | 3,588 |
| Average equity | $15,201,000 | 3,830 |
| Average total loans | $121,748,000 | 3,039 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6706% | 1,651 |
| Cost of funding earning assets | 0.6582% | 2,143 |
| Net interest margin | 4.0124% | 1,916 |
| Noninterest income to average assets | 0.6185% | 2,987 |
| Noninterest expense to average assets | 2.8480% | 3,538 |
| Loan and lease loss provision to assets | 0.0390% | 4,340 |
| Net operating income to assets | 1.3988% | 1,025 |
| Return on assets (ROA) | 1.4139% | 1,032 |
| Pretax return on assets | 1.4139% | 1,737 |
| Return on Equity (ROE) | 15.1368% | 738 |
| Retained earnings to average equity (ytd only) | 6.2851% | 1,803 |
| Net charge-offs to loans | -0.0043% | 5,908 |
| Credit loss provision to net charge-offs | -1,240.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4513% | 4,480 |
| Assets per employee ($millions) | 3.0600% | 5,742 |
| Cash dividends to net income (ytd only)* | 58.4780% | 1,840 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9381% | 5,801 |
| Loan loss allowance to noncurrent loans | 137.6513% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 4,203 |
| Noncurrent loans to loans | 0.6815% | 4,269 |
| Net loans and leases to total assets | 75.4534% | 1,156 |
| Net loans and leases to deposits | 90.9559% | 1,159 |
| Net loans and leases to core deposits | 93.8952% | 1,611 |
| Total domestic deposits to total assets | 82.9560% | 4,561 |
| Equity capital to assets | 9.4383% | 4,509 |
| Core capital (leverage) ratio | 9.6277% | 4,078 |
| Tier 1 risk-based capital ratio | 11.7347% | 5,786 |
| Total risk-based capital ratio | 12.6233% | 5,910 |
| Memoranda: |
| Average total assets | $158,920,400 | 3,580 |
| Average earning assets | $145,248,400 | 3,582 |
| Average equity | $14,844,600 | 3,899 |
| Average total loans | $116,969,600 | 3,107 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6584% | 1,727 |
| Cost of funding earning assets | 0.6588% | 2,284 |
| Net interest margin | 3.9996% | 1,943 |
| Noninterest income to average assets | 0.6470% | 2,898 |
| Noninterest expense to average assets | 2.8643% | 3,425 |
| Loan and lease loss provision to assets | 0.0428% | 4,155 |
| Net operating income to assets | 1.3931% | 1,119 |
| Return on assets (ROA) | 1.4149% | 1,121 |
| Pretax return on assets | 1.4149% | 1,887 |
| Return on Equity (ROE) | 15.1875% | 772 |
| Retained earnings to average equity (ytd only) | 6.4588% | 2,157 |
| Net charge-offs to loans | -0.0058% | 5,798 |
| Credit loss provision to net charge-offs | -1,020.0000% | 6,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6081% | 4,371 |
| Assets per employee ($millions) | 3.0318% | 5,793 |
| Cash dividends to net income (ytd only)* | 57.4735% | 1,557 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9505% | 5,918 |
| Loan loss allowance to noncurrent loans | 141.1028% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 4,430 |
| Noncurrent loans to loans | 0.6737% | 4,519 |
| Net loans and leases to total assets | 74.4248% | 1,226 |
| Net loans and leases to deposits | 92.7087% | 926 |
| Net loans and leases to core deposits | 95.0534% | 1,466 |
| Total domestic deposits to total assets | 80.2782% | 5,433 |
| Equity capital to assets | 9.5108% | 4,545 |
| Core capital (leverage) ratio | 9.5957% | 4,253 |
| Tier 1 risk-based capital ratio | 11.9244% | 5,820 |
| Total risk-based capital ratio | 12.8354% | 5,981 |
| Memoranda: |
| Average total assets | $158,871,000 | 3,608 |
| Average earning assets | $145,111,750 | 3,622 |
| Average equity | $14,801,250 | 3,953 |
| Average total loans | $115,912,750 | 3,146 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6297% | 1,754 |
| Cost of funding earning assets | 0.6793% | 2,226 |
| Net interest margin | 3.9505% | 2,045 |
| Noninterest income to average assets | 0.5600% | 3,440 |
| Noninterest expense to average assets | 2.8403% | 3,547 |
| Loan and lease loss provision to assets | 0.0025% | 4,754 |
| Net operating income to assets | 1.3247% | 1,256 |
| Return on assets (ROA) | 1.3536% | 1,266 |
| Pretax return on assets | 1.3536% | 2,106 |
| Return on Equity (ROE) | 14.6298% | 885 |
| Retained earnings to average equity (ytd only) | 4.3292% | 3,520 |
| Net charge-offs to loans | -0.0035% | 5,586 |
| Credit loss provision to net charge-offs | -100.0000% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1531% | 4,155 |
| Assets per employee ($millions) | 3.2142% | 5,446 |
| Cash dividends to net income (ytd only)* | 70.4082% | 1,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9331% | 6,037 |
| Loan loss allowance to noncurrent loans | 119.8661% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 4,376 |
| Noncurrent loans to loans | 0.7785% | 4,356 |
| Net loans and leases to total assets | 72.3958% | 1,507 |
| Net loans and leases to deposits | 88.6413% | 1,270 |
| Net loans and leases to core deposits | 90.6656% | 1,846 |
| Total domestic deposits to total assets | 81.6728% | 5,153 |
| Equity capital to assets | 9.3519% | 4,781 |
| Core capital (leverage) ratio | 9.1198% | 4,805 |
| Tier 1 risk-based capital ratio | 11.7801% | 5,931 |
| Total risk-based capital ratio | 12.6399% | 6,126 |
| Memoranda: |
| Average total assets | $159,277,000 | 3,626 |
| Average earning assets | $145,451,330 | 3,637 |
| Average equity | $14,737,000 | 4,000 |
| Average total loans | $115,064,000 | 3,168 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5491% | 1,991 |
| Cost of funding earning assets | 0.7066% | 2,152 |
| Net interest margin | 3.8425% | 2,312 |
| Noninterest income to average assets | 0.5145% | 3,682 |
| Noninterest expense to average assets | 2.8071% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2112% | 1,499 |
| Return on assets (ROA) | 1.2262% | 1,560 |
| Pretax return on assets | 1.2262% | 2,484 |
| Return on Equity (ROE) | 13.3234% | 1,094 |
| Retained earnings to average equity (ytd only) | 2.9035% | 4,543 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8571% | 4,001 |
| Assets per employee ($millions) | 3.3195% | 5,394 |
| Cash dividends to net income (ytd only)* | 78.2077% | 922 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9359% | 6,170 |
| Loan loss allowance to noncurrent loans | 127.5328% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 4,537 |
| Noncurrent loans to loans | 0.7339% | 4,664 |
| Net loans and leases to total assets | 69.6281% | 1,731 |
| Net loans and leases to deposits | 84.0613% | 1,590 |
| Net loans and leases to core deposits | 85.8858% | 2,115 |
| Total domestic deposits to total assets | 82.8301% | 4,910 |
| Equity capital to assets | 9.0663% | 5,412 |
| Core capital (leverage) ratio | 9.0437% | 4,816 |
| Tier 1 risk-based capital ratio | 11.7788% | 6,043 |
| Total risk-based capital ratio | 12.6479% | 6,215 |
| Memoranda: |
| Average total assets | $160,166,500 | 3,643 |
| Average earning assets | $146,050,500 | 3,663 |
| Average equity | $14,741,000 | 4,051 |
| Average total loans | $115,048,000 | 3,180 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9010% | 1,837 |
| Cost of funding earning assets | 0.8379% | 2,371 |
| Net interest margin | 4.0631% | 2,141 |
| Noninterest income to average assets | 0.6986% | 2,731 |
| Noninterest expense to average assets | 3.0306% | 3,162 |
| Loan and lease loss provision to assets | 0.0507% | 5,182 |
| Net operating income to assets | 1.3321% | 1,230 |
| Return on assets (ROA) | 1.3986% | 1,215 |
| Pretax return on assets | 1.3999% | 2,041 |
| Return on Equity (ROE) | 14.6435% | 884 |
| Retained earnings to average equity (ytd only) | 3.6919% | 3,622 |
| Net charge-offs to loans | 0.1236% | 4,442 |
| Credit loss provision to net charge-offs | 56.6176% | 4,532 |
| Earnings coverage of net charge-offs (x) | 15.4706% | 1,648 |
| Efficiency ratio | 68.6485% | 4,030 |
| Assets per employee ($millions) | 3.3548% | 5,318 |
| Cash dividends to net income (ytd only)* | 74.7883% | 1,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9242% | 6,212 |
| Loan loss allowance to noncurrent loans | 116.5577% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 4,534 |
| Noncurrent loans to loans | 0.7929% | 4,597 |
| Net loans and leases to total assets | 72.7447% | 1,382 |
| Net loans and leases to deposits | 88.1447% | 1,256 |
| Net loans and leases to core deposits | 89.4187% | 1,907 |
| Total domestic deposits to total assets | 82.5287% | 4,920 |
| Equity capital to assets | 9.3451% | 5,089 |
| Core capital (leverage) ratio | 9.2715% | 4,467 |
| Tier 1 risk-based capital ratio | 11.0511% | 6,328 |
| Total risk-based capital ratio | 11.8771% | 6,467 |
| Memoranda: |
| Average total assets | $152,014,400 | 3,738 |
| Average earning assets | $139,032,400 | 3,741 |
| Average equity | $14,518,400 | 4,058 |
| Average total loans | $110,009,600 | 3,295 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8944% | 2,028 |
| Cost of funding earning assets | 0.8641% | 2,436 |
| Net interest margin | 4.0304% | 2,380 |
| Noninterest income to average assets | 0.7030% | 2,702 |
| Noninterest expense to average assets | 3.0057% | 3,210 |
| Loan and lease loss provision to assets | 0.0682% | 4,831 |
| Net operating income to assets | 1.3191% | 1,397 |
| Return on assets (ROA) | 1.3802% | 1,400 |
| Pretax return on assets | 1.3820% | 2,294 |
| Return on Equity (ROE) | 14.3707% | 1,030 |
| Retained earnings to average equity (ytd only) | 6.7659% | 2,242 |
| Net charge-offs to loans | 0.1142% | 4,243 |
| Credit loss provision to net charge-offs | 82.7957% | 3,536 |
| Earnings coverage of net charge-offs (x) | 16.8706% | 1,655 |
| Efficiency ratio | 68.3924% | 3,985 |
| Assets per employee ($millions) | 3.1730% | 5,687 |
| Cash dividends to net income (ytd only)* | 52.9185% | 1,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9705% | 6,187 |
| Loan loss allowance to noncurrent loans | 61.5938% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 3,635 |
| Noncurrent loans to loans | 1.5756% | 3,428 |
| Net loans and leases to total assets | 74.5690% | 1,163 |
| Net loans and leases to deposits | 89.6797% | 1,187 |
| Net loans and leases to core deposits | 91.0062% | 1,872 |
| Total domestic deposits to total assets | 83.1504% | 4,581 |
| Equity capital to assets | 9.8545% | 4,702 |
| Core capital (leverage) ratio | 9.6369% | 4,065 |
| Tier 1 risk-based capital ratio | 11.3837% | 6,307 |
| Total risk-based capital ratio | 12.2543% | 6,461 |
| Memoranda: |
| Average total assets | $150,599,000 | 3,809 |
| Average earning assets | $137,949,250 | 3,790 |
| Average equity | $14,464,250 | 4,113 |
| Average total loans | $108,569,250 | 3,353 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8764% | 2,206 |
| Cost of funding earning assets | 0.8779% | 2,581 |
| Net interest margin | 3.9985% | 2,511 |
| Noninterest income to average assets | 0.6559% | 2,922 |
| Noninterest expense to average assets | 2.9514% | 3,436 |
| Loan and lease loss provision to assets | 0.0667% | 4,801 |
| Net operating income to assets | 1.3024% | 1,437 |
| Return on assets (ROA) | 1.3157% | 1,550 |
| Pretax return on assets | 1.3184% | 2,490 |
| Return on Equity (ROE) | 13.8209% | 1,165 |
| Retained earnings to average equity (ytd only) | 6.0493% | 2,687 |
| Net charge-offs to loans | 0.0901% | 4,253 |
| Credit loss provision to net charge-offs | 104.1667% | 2,616 |
| Earnings coverage of net charge-offs (x) | 21.4375% | 1,343 |
| Efficiency ratio | 68.2701% | 4,071 |
| Assets per employee ($millions) | 3.1960% | 5,652 |
| Cash dividends to net income (ytd only)* | 56.2310% | 1,508 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0562% | 5,933 |
| Loan loss allowance to noncurrent loans | 81.3669% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 4,263 |
| Noncurrent loans to loans | 1.2980% | 3,977 |
| Net loans and leases to total assets | 70.5376% | 1,818 |
| Net loans and leases to deposits | 84.7194% | 1,756 |
| Net loans and leases to core deposits | 85.9900% | 2,427 |
| Total domestic deposits to total assets | 83.2603% | 4,645 |
| Equity capital to assets | 9.6710% | 4,794 |
| Core capital (leverage) ratio | 9.4192% | 4,271 |
| Tier 1 risk-based capital ratio | 11.6436% | 6,146 |
| Total risk-based capital ratio | 12.5832% | 6,297 |
| Memoranda: |
| Average total assets | $150,030,000 | 3,833 |
| Average earning assets | $137,602,670 | 3,818 |
| Average equity | $14,282,670 | 4,140 |
| Average total loans | $106,530,330 | 3,413 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9217% | 2,160 |
| Cost of funding earning assets | 0.8827% | 2,815 |
| Net interest margin | 4.0390% | 2,336 |
| Noninterest income to average assets | 0.6429% | 2,971 |
| Noninterest expense to average assets | 2.8305% | 3,897 |
| Loan and lease loss provision to assets | 0.0800% | 4,395 |
| Net operating income to assets | 1.4379% | 1,145 |
| Return on assets (ROA) | 1.4059% | 1,364 |
| Pretax return on assets | 1.4112% | 2,160 |
| Return on Equity (ROE) | 14.8865% | 991 |
| Retained earnings to average equity (ytd only) | 8.1071% | 1,949 |
| Net charge-offs to loans | 0.0791% | 3,708 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 27.1905% | 990 |
| Efficiency ratio | 65.0123% | 4,736 |
| Assets per employee ($millions) | 3.5185% | 5,074 |
| Cash dividends to net income (ytd only)* | 45.5408% | 1,594 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0718% | 6,002 |
| Loan loss allowance to noncurrent loans | 65.6665% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.3683% | 3,832 |
| Noncurrent loans to loans | 1.6322% | 3,661 |
| Net loans and leases to total assets | 71.0796% | 1,558 |
| Net loans and leases to deposits | 84.7042% | 1,575 |
| Net loans and leases to core deposits | 85.9793% | 2,292 |
| Total domestic deposits to total assets | 83.9151% | 4,532 |
| Equity capital to assets | 9.6909% | 4,536 |
| Core capital (leverage) ratio | 9.4180% | 4,172 |
| Tier 1 risk-based capital ratio | 11.6889% | 6,167 |
| Total risk-based capital ratio | 12.6470% | 6,316 |
| Memoranda: |
| Average total assets | $149,939,000 | 3,873 |
| Average earning assets | $137,758,000 | 3,853 |
| Average equity | $14,160,500 | 4,170 |
| Average total loans | $106,252,000 | 3,450 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2915% | 1,730 |
| Cost of funding earning assets | 1.0363% | 3,115 |
| Net interest margin | 4.2552% | 1,856 |
| Noninterest income to average assets | 0.7415% | 2,383 |
| Noninterest expense to average assets | 3.0668% | 3,327 |
| Loan and lease loss provision to assets | 0.1099% | 5,218 |
| Net operating income to assets | 1.4600% | 907 |
| Return on assets (ROA) | 1.5226% | 854 |
| Pretax return on assets | 1.5289% | 1,397 |
| Return on Equity (ROE) | 16.4574% | 544 |
| Retained earnings to average equity (ytd only) | 6.9844% | 1,514 |
| Net charge-offs to loans | 0.0295% | 6,029 |
| Credit loss provision to net charge-offs | 509.6774% | 446 |
| Earnings coverage of net charge-offs (x) | 73.0968% | 413 |
| Efficiency ratio | 66.0524% | 4,758 |
| Assets per employee ($millions) | 3.7098% | 4,535 |
| Cash dividends to net income (ytd only)* | 57.5605% | 1,674 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0618% | 5,951 |
| Loan loss allowance to noncurrent loans | 848.8722% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 5,889 |
| Noncurrent loans to loans | 0.1251% | 6,493 |
| Net loans and leases to total assets | 69.1631% | 2,190 |
| Net loans and leases to deposits | 81.4533% | 2,281 |
| Net loans and leases to core deposits | 82.4635% | 3,117 |
| Total domestic deposits to total assets | 84.9112% | 3,894 |
| Equity capital to assets | 9.2045% | 5,277 |
| Core capital (leverage) ratio | 9.2930% | 4,342 |
| Tier 1 risk-based capital ratio | 11.1776% | 6,361 |
| Total risk-based capital ratio | 12.1040% | 6,512 |
| Memoranda: |
| Average total assets | $143,764,000 | 3,914 |
| Average earning assets | $131,814,800 | 3,896 |
| Average equity | $13,301,000 | 4,282 |
| Average total loans | $105,147,000 | 3,494 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3392% | 1,719 |
| Cost of funding earning assets | 1.0674% | 3,190 |
| Net interest margin | 4.2718% | 1,820 |
| Noninterest income to average assets | 0.7002% | 2,608 |
| Noninterest expense to average assets | 3.1281% | 3,063 |
| Loan and lease loss provision to assets | 0.1195% | 4,942 |
| Net operating income to assets | 1.3627% | 1,237 |
| Return on assets (ROA) | 1.4445% | 1,138 |
| Pretax return on assets | 1.4511% | 1,781 |
| Return on Equity (ROE) | 15.5918% | 736 |
| Retained earnings to average equity (ytd only) | 5.9930% | 2,559 |
| Net charge-offs to loans | 0.0381% | 5,614 |
| Credit loss provision to net charge-offs | 423.3333% | 666 |
| Earnings coverage of net charge-offs (x) | 52.7320% | 620 |
| Efficiency ratio | 67.7538% | 4,363 |
| Assets per employee ($millions) | 3.5971% | 4,768 |
| Cash dividends to net income (ytd only)* | 61.5635% | 1,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0295% | 6,125 |
| Loan loss allowance to noncurrent loans | 266.7476% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 5,465 |
| Noncurrent loans to loans | 0.3859% | 6,083 |
| Net loans and leases to total assets | 73.4288% | 1,425 |
| Net loans and leases to deposits | 87.6999% | 1,467 |
| Net loans and leases to core deposits | 88.8617% | 2,382 |
| Total domestic deposits to total assets | 83.7273% | 4,358 |
| Equity capital to assets | 9.4895% | 5,108 |
| Core capital (leverage) ratio | 9.3228% | 4,420 |
| Tier 1 risk-based capital ratio | 10.8566% | 6,630 |
| Total risk-based capital ratio | 11.7549% | 6,765 |
| Memoranda: |
| Average total assets | $141,680,000 | 3,966 |
| Average earning assets | $129,903,250 | 3,959 |
| Average equity | $13,126,250 | 4,322 |
| Average total loans | $104,852,250 | 3,524 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2788% | 1,953 |
| Cost of funding earning assets | 1.0746% | 3,430 |
| Net interest margin | 4.2042% | 2,016 |
| Noninterest income to average assets | 0.6825% | 2,639 |
| Noninterest expense to average assets | 3.2310% | 2,802 |
| Loan and lease loss provision to assets | 0.1107% | 4,913 |
| Net operating income to assets | 1.2036% | 1,560 |
| Return on assets (ROA) | 1.2303% | 1,568 |
| Pretax return on assets | 1.2374% | 2,353 |
| Return on Equity (ROE) | 13.3896% | 1,116 |
| Retained earnings to average equity (ytd only) | 1.9613% | 4,998 |
| Net charge-offs to loans | 0.0019% | 5,860 |
| Credit loss provision to net charge-offs | 7,800.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 931.0000% | 27 |
| Efficiency ratio | 70.9788% | 3,935 |
| Assets per employee ($millions) | 3.1330% | 5,797 |
| Cash dividends to net income (ytd only)* | 85.3518% | 683 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0213% | 6,245 |
| Loan loss allowance to noncurrent loans | 190.2998% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9483% | 4,966 |
| Noncurrent loans to loans | 0.5367% | 5,840 |
| Net loans and leases to total assets | 74.1728% | 1,380 |
| Net loans and leases to deposits | 88.2757% | 1,461 |
| Net loans and leases to core deposits | 89.4674% | 2,442 |
| Total domestic deposits to total assets | 84.0241% | 4,341 |
| Equity capital to assets | 9.3881% | 4,999 |
| Core capital (leverage) ratio | 9.1681% | 4,461 |
| Tier 1 risk-based capital ratio | 10.5102% | 6,785 |
| Total risk-based capital ratio | 11.3948% | 6,925 |
| Memoranda: |
| Average total assets | $140,945,000 | 4,012 |
| Average earning assets | $129,727,330 | 3,991 |
| Average equity | $12,950,330 | 4,351 |
| Average total loans | $104,219,000 | 3,578 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1556% | 2,404 |
| Cost of funding earning assets | 1.0971% | 3,545 |
| Net interest margin | 4.0585% | 2,444 |
| Noninterest income to average assets | 0.6358% | 2,927 |
| Noninterest expense to average assets | 3.1648% | 3,011 |
| Loan and lease loss provision to assets | 0.1306% | 4,368 |
| Net operating income to assets | 1.0734% | 1,938 |
| Return on assets (ROA) | 1.1212% | 1,810 |
| Pretax return on assets | 1.1268% | 2,662 |
| Return on Equity (ROE) | 12.3365% | 1,371 |
| Retained earnings to average equity (ytd only) | 2.4985% | 4,658 |
| Net charge-offs to loans | 0.0039% | 5,076 |
| Credit loss provision to net charge-offs | 4,600.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 61 |
| Efficiency ratio | 72.3556% | 3,798 |
| Assets per employee ($millions) | 3.2403% | 5,611 |
| Cash dividends to net income (ytd only)* | 79.7468% | 848 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0115% | 6,353 |
| Loan loss allowance to noncurrent loans | 115.1815% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 5,069 |
| Noncurrent loans to loans | 0.8782% | 5,292 |
| Net loans and leases to total assets | 73.5336% | 1,416 |
| Net loans and leases to deposits | 87.2986% | 1,548 |
| Net loans and leases to core deposits | 88.4822% | 2,539 |
| Total domestic deposits to total assets | 84.2322% | 4,396 |
| Equity capital to assets | 9.2403% | 4,828 |
| Core capital (leverage) ratio | 9.0490% | 4,535 |
| Tier 1 risk-based capital ratio | 10.5779% | 6,763 |
| Total risk-based capital ratio | 11.4449% | 6,929 |
| Memoranda: |
| Average total assets | $140,924,000 | 4,045 |
| Average earning assets | $129,801,000 | 4,030 |
| Average equity | $12,807,500 | 4,381 |
| Average total loans | $103,502,000 | 3,630 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5682% | 2,017 |
| Cost of funding earning assets | 1.4448% | 2,993 |
| Net interest margin | 4.1234% | 2,468 |
| Noninterest income to average assets | 0.9791% | 1,576 |
| Noninterest expense to average assets | 3.1140% | 3,400 |
| Loan and lease loss provision to assets | 0.0969% | 6,176 |
| Net operating income to assets | 1.5070% | 756 |
| Return on assets (ROA) | 1.5227% | 790 |
| Pretax return on assets | 1.5294% | 1,300 |
| Return on Equity (ROE) | 16.3845% | 545 |
| Retained earnings to average equity (ytd only) | 5.2475% | 2,281 |
| Net charge-offs to loans | 0.1314% | 5,589 |
| Credit loss provision to net charge-offs | 97.7444% | 4,744 |
| Earnings coverage of net charge-offs (x) | 16.2406% | 1,220 |
| Efficiency ratio | 65.9091% | 4,986 |
| Assets per employee ($millions) | 3.4759% | 4,989 |
| Cash dividends to net income (ytd only)* | 67.9726% | 1,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9672% | 6,504 |
| Loan loss allowance to noncurrent loans | 193.9922% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,851 |
| Noncurrent loans to loans | 0.4986% | 6,043 |
| Net loans and leases to total assets | 71.9219% | 2,116 |
| Net loans and leases to deposits | 85.2566% | 2,230 |
| Net loans and leases to core deposits | 86.3796% | 3,268 |
| Total domestic deposits to total assets | 84.3593% | 4,194 |
| Equity capital to assets | 8.9395% | 5,224 |
| Core capital (leverage) ratio | 9.1910% | 4,185 |
| Tier 1 risk-based capital ratio | 10.3763% | 6,778 |
| Total risk-based capital ratio | 11.1946% | 6,993 |
| Memoranda: |
| Average total assets | $134,104,200 | 4,175 |
| Average earning assets | $121,816,600 | 4,192 |
| Average equity | $12,463,000 | 4,491 |
| Average total loans | $101,182,200 | 3,757 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6617% | 1,840 |
| Cost of funding earning assets | 1.4850% | 3,065 |
| Net interest margin | 4.1767% | 2,309 |
| Noninterest income to average assets | 0.9394% | 1,651 |
| Noninterest expense to average assets | 3.1130% | 3,284 |
| Loan and lease loss provision to assets | 0.0626% | 6,437 |
| Net operating income to assets | 1.5333% | 859 |
| Return on assets (ROA) | 1.5535% | 898 |
| Pretax return on assets | 1.5595% | 1,447 |
| Return on Equity (ROE) | 16.5456% | 647 |
| Retained earnings to average equity (ytd only) | 4.8303% | 3,104 |
| Net charge-offs to loans | 0.1749% | 4,917 |
| Credit loss provision to net charge-offs | 46.9697% | 5,926 |
| Earnings coverage of net charge-offs (x) | 12.0148% | 1,730 |
| Efficiency ratio | 66.0240% | 4,851 |
| Assets per employee ($millions) | 3.4333% | 5,131 |
| Cash dividends to net income (ytd only)* | 70.8059% | 885 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9120% | 6,705 |
| Loan loss allowance to noncurrent loans | 175.4221% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 5,854 |
| Noncurrent loans to loans | 0.5199% | 6,156 |
| Net loans and leases to total assets | 75.8718% | 1,431 |
| Net loans and leases to deposits | 93.6806% | 1,240 |
| Net loans and leases to core deposits | 95.0372% | 2,384 |
| Total domestic deposits to total assets | 80.9899% | 5,365 |
| Equity capital to assets | 9.5237% | 4,804 |
| Core capital (leverage) ratio | 9.3561% | 4,125 |
| Tier 1 risk-based capital ratio | 10.3594% | 6,858 |
| Total risk-based capital ratio | 11.1350% | 7,113 |
| Memoranda: |
| Average total assets | $132,002,000 | 4,276 |
| Average earning assets | $119,326,000 | 4,302 |
| Average equity | $12,393,750 | 4,572 |
| Average total loans | $100,603,000 | 3,847 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6967% | 1,777 |
| Cost of funding earning assets | 1.5053% | 3,231 |
| Net interest margin | 4.1914% | 2,182 |
| Noninterest income to average assets | 0.7840% | 2,214 |
| Noninterest expense to average assets | 3.0798% | 3,394 |
| Loan and lease loss provision to assets | 0.0624% | 6,326 |
| Net operating income to assets | 1.4128% | 1,074 |
| Return on assets (ROA) | 1.4372% | 1,088 |
| Pretax return on assets | 1.4432% | 1,715 |
| Return on Equity (ROE) | 15.3817% | 791 |
| Retained earnings to average equity (ytd only) | 3.7640% | 3,696 |
| Net charge-offs to loans | 0.2061% | 4,380 |
| Credit loss provision to net charge-offs | 39.8058% | 5,618 |
| Earnings coverage of net charge-offs (x) | 9.4466% | 2,021 |
| Efficiency ratio | 67.5234% | 4,671 |
| Assets per employee ($millions) | 3.1476% | 5,793 |
| Cash dividends to net income (ytd only)* | 75.5297% | 875 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9403% | 6,629 |
| Loan loss allowance to noncurrent loans | 228.8835% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 6,058 |
| Noncurrent loans to loans | 0.4108% | 6,424 |
| Net loans and leases to total assets | 75.1441% | 1,662 |
| Net loans and leases to deposits | 91.2640% | 1,656 |
| Net loans and leases to core deposits | 93.0184% | 2,841 |
| Total domestic deposits to total assets | 82.3371% | 4,852 |
| Equity capital to assets | 9.4215% | 4,832 |
| Core capital (leverage) ratio | 9.2947% | 4,131 |
| Tier 1 risk-based capital ratio | 10.2851% | 6,849 |
| Total risk-based capital ratio | 11.0755% | 7,100 |
| Memoranda: |
| Average total assets | $131,370,330 | 4,314 |
| Average earning assets | $118,384,330 | 4,356 |
| Average equity | $12,274,330 | 4,605 |
| Average total loans | $99,962,330 | 3,902 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6015% | 2,141 |
| Cost of funding earning assets | 1.5463% | 3,290 |
| Net interest margin | 4.0552% | 2,631 |
| Noninterest income to average assets | 0.7270% | 2,424 |
| Noninterest expense to average assets | 3.1064% | 3,236 |
| Loan and lease loss provision to assets | 0.0764% | 5,880 |
| Net operating income to assets | 1.1668% | 1,624 |
| Return on assets (ROA) | 1.1668% | 1,703 |
| Pretax return on assets | 1.1729% | 2,465 |
| Return on Equity (ROE) | 12.5410% | 1,364 |
| Retained earnings to average equity (ytd only) | 2.1996% | 4,807 |
| Net charge-offs to loans | 0.0080% | 5,481 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 204.5000% | 169 |
| Efficiency ratio | 71.3184% | 4,065 |
| Assets per employee ($millions) | 3.3522% | 5,427 |
| Cash dividends to net income (ytd only)* | 82.4607% | 802 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0140% | 6,386 |
| Loan loss allowance to noncurrent loans | 111.7391% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 5,171 |
| Noncurrent loans to loans | 0.9075% | 5,501 |
| Net loans and leases to total assets | 76.7572% | 1,378 |
| Net loans and leases to deposits | 92.6174% | 1,524 |
| Net loans and leases to core deposits | 94.4177% | 2,781 |
| Total domestic deposits to total assets | 82.8755% | 4,689 |
| Equity capital to assets | 9.3409% | 4,775 |
| Core capital (leverage) ratio | 9.1639% | 4,277 |
| Tier 1 risk-based capital ratio | 10.1342% | 6,942 |
| Total risk-based capital ratio | 10.9947% | 7,183 |
| Memoranda: |
| Average total assets | $130,956,500 | 4,384 |
| Average earning assets | $117,183,000 | 4,443 |
| Average equity | $12,184,000 | 4,669 |
| Average total loans | $99,802,500 | 3,965 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0485% | 1,676 |
| Cost of funding earning assets | 1.9651% | 3,126 |
| Net interest margin | 4.0834% | 2,516 |
| Noninterest income to average assets | 1.1024% | 1,262 |
| Noninterest expense to average assets | 3.1758% | 3,455 |
| Loan and lease loss provision to assets | 0.0800% | 6,808 |
| Net operating income to assets | 1.4469% | 770 |
| Return on assets (ROA) | 1.4469% | 828 |
| Pretax return on assets | 1.4588% | 1,291 |
| Return on Equity (ROE) | 15.0569% | 660 |
| Retained earnings to average equity (ytd only) | 3.2224% | 2,902 |
| Net charge-offs to loans | 0.0375% | 6,742 |
| Credit loss provision to net charge-offs | 280.5556% | 1,211 |
| Earnings coverage of net charge-offs (x) | 53.9722% | 487 |
| Efficiency ratio | 67.3610% | 5,122 |
| Assets per employee ($millions) | 3.4520% | 5,124 |
| Cash dividends to net income (ytd only)* | 78.5988% | 1,228 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0231% | 6,253 |
| Loan loss allowance to noncurrent loans | 109.5965% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0292% | 5,046 |
| Noncurrent loans to loans | 0.9336% | 5,448 |
| Net loans and leases to total assets | 74.1157% | 2,247 |
| Net loans and leases to deposits | 89.0230% | 2,384 |
| Net loans and leases to core deposits | 101.4632% | 3,850 |
| Total domestic deposits to total assets | 83.2546% | 4,403 |
| Equity capital to assets | 9.2669% | 4,742 |
| Core capital (leverage) ratio | 9.4428% | 3,788 |
| Tier 1 risk-based capital ratio | 10.2335% | 6,652 |
| Total risk-based capital ratio | 11.0877% | 6,976 |
| Memoranda: |
| Average total assets | $126,266,200 | 4,421 |
| Average earning assets | $111,697,400 | 4,517 |
| Average equity | $12,134,000 | 4,715 |
| Average total loans | $96,122,800 | 4,059 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0760% | 1,739 |
| Cost of funding earning assets | 2.0065% | 3,328 |
| Net interest margin | 4.0695% | 2,511 |
| Noninterest income to average assets | 1.2817% | 937 |
| Noninterest expense to average assets | 3.2618% | 3,071 |
| Loan and lease loss provision to assets | 0.0885% | 6,479 |
| Net operating income to assets | 1.5291% | 762 |
| Return on assets (ROA) | 1.5291% | 817 |
| Pretax return on assets | 1.5429% | 1,297 |
| Return on Equity (ROE) | 15.7641% | 684 |
| Retained earnings to average equity (ytd only) | 6.3100% | 1,809 |
| Net charge-offs to loans | 0.0488% | 6,232 |
| Credit loss provision to net charge-offs | 237.1429% | 1,844 |
| Earnings coverage of net charge-offs (x) | 43.7101% | 704 |
| Efficiency ratio | 66.6594% | 5,257 |
| Assets per employee ($millions) | 3.2661% | 5,476 |
| Cash dividends to net income (ytd only)* | 59.9723% | 1,599 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0118% | 6,211 |
| Loan loss allowance to noncurrent loans | 91.4815% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2658% | 4,536 |
| Noncurrent loans to loans | 1.1060% | 5,102 |
| Net loans and leases to total assets | 77.8829% | 1,596 |
| Net loans and leases to deposits | 98.2667% | 1,296 |
| Net loans and leases to core deposits | 113.2232% | 2,911 |
| Total domestic deposits to total assets | 79.2566% | 5,707 |
| Equity capital to assets | 10.0006% | 4,086 |
| Core capital (leverage) ratio | 9.9604% | 3,326 |
| Tier 1 risk-based capital ratio | 11.7515% | 5,200 |
| Total risk-based capital ratio | 12.7014% | 5,422 |
| Memoranda: |
| Average total assets | $125,038,750 | 4,476 |
| Average earning assets | $110,970,250 | 4,558 |
| Average equity | $12,128,500 | 4,761 |
| Average total loans | $95,596,750 | 4,094 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0949% | 1,807 |
| Cost of funding earning assets | 2.0748% | 3,394 |
| Net interest margin | 4.0201% | 2,617 |
| Noninterest income to average assets | 0.9270% | 1,864 |
| Noninterest expense to average assets | 3.2581% | 3,122 |
| Loan and lease loss provision to assets | 0.0894% | 6,278 |
| Net operating income to assets | 1.1297% | 1,666 |
| Return on assets (ROA) | 1.1297% | 1,747 |
| Pretax return on assets | 1.1472% | 2,475 |
| Return on Equity (ROE) | 11.7667% | 1,492 |
| Retained earnings to average equity (ytd only) | 3.4569% | 3,392 |
| Net charge-offs to loans | 0.0759% | 5,450 |
| Credit loss provision to net charge-offs | 155.5556% | 2,956 |
| Earnings coverage of net charge-offs (x) | 21.5278% | 1,262 |
| Efficiency ratio | 72.4885% | 4,315 |
| Assets per employee ($millions) | 3.0688% | 5,953 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0027% | 6,218 |
| Loan loss allowance to noncurrent loans | 80.8081% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 4,146 |
| Noncurrent loans to loans | 1.2408% | 4,731 |
| Net loans and leases to total assets | 77.2144% | 1,908 |
| Net loans and leases to deposits | 98.4564% | 1,458 |
| Net loans and leases to core deposits | 112.2396% | 3,107 |
| Total domestic deposits to total assets | 78.4250% | 5,969 |
| Equity capital to assets | 9.7994% | 4,217 |
| Core capital (leverage) ratio | 9.5464% | 3,813 |
| Tier 1 risk-based capital ratio | 11.2603% | 5,629 |
| Total risk-based capital ratio | 12.1721% | 5,902 |
| Memoranda: |
| Average total assets | $125,347,670 | 4,498 |
| Average earning assets | $111,240,000 | 4,599 |
| Average equity | $12,034,000 | 4,808 |
| Average total loans | $94,912,330 | 4,145 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8968% | 2,813 |
| Cost of funding earning assets | 2.1314% | 3,511 |
| Net interest margin | 3.7654% | 3,599 |
| Noninterest income to average assets | 0.8212% | 2,225 |
| Noninterest expense to average assets | 3.3606% | 2,470 |
| Loan and lease loss provision to assets | 0.0758% | 6,009 |
| Net operating income to assets | 0.7075% | 3,516 |
| Return on assets (ROA) | 0.7075% | 3,713 |
| Pretax return on assets | 0.7328% | 4,311 |
| Return on Equity (ROE) | 7.4440% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.4440% | 2,045 |
| Net charge-offs to loans | 0.0085% | 5,541 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 342 |
| Efficiency ratio | 80.6061% | 2,722 |
| Assets per employee ($millions) | 3.3805% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0164% | 6,066 |
| Loan loss allowance to noncurrent loans | 97.8637% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 4,136 |
| Noncurrent loans to loans | 1.0386% | 4,913 |
| Net loans and leases to total assets | 74.9005% | 2,530 |
| Net loans and leases to deposits | 96.2352% | 1,909 |
| Net loans and leases to core deposits | 110.0159% | 3,437 |
| Total domestic deposits to total assets | 77.8306% | 6,070 |
| Equity capital to assets | 9.6620% | 4,435 |
| Core capital (leverage) ratio | 9.3733% | 4,138 |
| Tier 1 risk-based capital ratio | 11.4500% | 5,461 |
| Total risk-based capital ratio | 12.3778% | 5,702 |
| Memoranda: |
| Average total assets | $126,645,000 | 4,476 |
| Average earning assets | $112,604,000 | 4,569 |
| Average equity | $12,036,500 | 4,825 |
| Average total loans | $94,497,000 | 4,192 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6076% | 2,447 |
| Cost of funding earning assets | 2.5885% | 3,737 |
| Net interest margin | 4.0191% | 3,028 |
| Noninterest income to average assets | 0.8836% | 2,040 |
| Noninterest expense to average assets | 2.8512% | 4,600 |
| Loan and lease loss provision to assets | 0.1256% | 5,762 |
| Net operating income to assets | 1.4700% | 1,078 |
| Return on assets (ROA) | 1.4774% | 1,025 |
| Pretax return on assets | 1.4831% | 1,729 |
| Return on Equity (ROE) | 15.5984% | 833 |
| Retained earnings to average equity (ytd only) | 6.9278% | 1,176 |
| Net charge-offs to loans | 0.0432% | 6,167 |
| Credit loss provision to net charge-offs | 392.3077% | 1,126 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 761 |
| Efficiency ratio | 64.0354% | 5,547 |
| Assets per employee ($millions) | 3.3740% | 5,023 |
| Cash dividends to net income (ytd only)* | 55.5864% | 2,856 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9963% | 6,095 |
| Loan loss allowance to noncurrent loans | 117.9423% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.0451% | 4,207 |
| Noncurrent loans to loans | 0.8447% | 4,938 |
| Net loans and leases to total assets | 72.8543% | 3,398 |
| Net loans and leases to deposits | 93.8170% | 2,800 |
| Net loans and leases to core deposits | 108.9446% | 3,868 |
| Total domestic deposits to total assets | 77.6558% | 5,819 |
| Equity capital to assets | 9.3501% | 4,873 |
| Core capital (leverage) ratio | 9.4677% | 4,059 |
| Tier 1 risk-based capital ratio | 11.1721% | 5,570 |
| Total risk-based capital ratio | 12.0736% | 5,792 |
| Memoranda: |
| Average total assets | $121,771,200 | 4,471 |
| Average earning assets | $108,133,200 | 4,557 |
| Average equity | $11,533,200 | 4,959 |
| Average total loans | $90,234,600 | 4,218 |
