| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7405% | 2,594 |
| Cost of funding earning assets | 0.6328% | 4,028 |
| Net interest margin | 4.1078% | 1,063 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 3.2191% | 814 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.1996% | 1,652 |
| Return on assets (ROA) | 0.6308% | 3,337 |
| Pretax return on assets | 0.7244% | 3,386 |
| Return on Equity (ROE) | 8.6100% | 2,861 |
| Retained earnings to average equity (ytd only) | 3.4717% | 3,131 |
| Net charge-offs to loans | 0.1305% | 755 |
| Credit loss provision to net charge-offs | 114.4318% | 1,720 |
| Earnings coverage of net charge-offs (x) | 20.2057% | 1,868 |
| Efficiency ratio | 68.4645% | 2,056 |
| Assets per employee ($millions) | 4.6451% | 3,857 |
| Cash dividends to net income (ytd only)* | 59.6774% | 1,203 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4483% | 1,208 |
| Loan loss allowance to noncurrent loans | 93.3045% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.0243% | 481 |
| Noncurrent loans to loans | 1.5522% | 434 |
| Net loans and leases to total assets | 56.9200% | 3,126 |
| Net loans and leases to deposits | 65.5620% | 3,203 |
| Net loans and leases to core deposits | 68.3531% | 3,386 |
| Total domestic deposits to total assets | 86.8200% | 1,743 |
| Equity capital to assets | 8.3831% | 3,131 |
| Core capital (leverage) ratio | 10.6683% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9618% | 1,083 |
| Memoranda: |
| Average total assets | $1,199,199,400 | 855 |
| Average earning assets | $1,099,622,400 | 848 |
| Average equity | $87,852,600 | 1,056 |
| Average total loans | $674,189,400 | 994 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6449% | 2,578 |
| Cost of funding earning assets | 0.5510% | 4,059 |
| Net interest margin | 4.0939% | 1,078 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 3.1942% | 825 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1735% | 1,871 |
| Return on assets (ROA) | 1.0559% | 2,189 |
| Pretax return on assets | 1.2624% | 2,134 |
| Return on Equity (ROE) | 14.9400% | 1,451 |
| Retained earnings to average equity (ytd only) | 9.7529% | 1,470 |
| Net charge-offs to loans | 0.0965% | 807 |
| Credit loss provision to net charge-offs | 129.0123% | 1,429 |
| Earnings coverage of net charge-offs (x) | 27.9465% | 1,630 |
| Efficiency ratio | 67.9662% | 2,021 |
| Assets per employee ($millions) | 4.6244% | 3,868 |
| Cash dividends to net income (ytd only)* | 34.7365% | 1,877 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4732% | 1,183 |
| Loan loss allowance to noncurrent loans | 76.7660% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.1864% | 382 |
| Noncurrent loans to loans | 1.9191% | 329 |
| Net loans and leases to total assets | 56.7200% | 3,138 |
| Net loans and leases to deposits | 62.9770% | 3,332 |
| Net loans and leases to core deposits | 65.1007% | 3,476 |
| Total domestic deposits to total assets | 90.0600% | 922 |
| Equity capital to assets | 6.7262% | 3,740 |
| Core capital (leverage) ratio | 10.8455% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4603% | 1,026 |
| Memoranda: |
| Average total assets | $1,202,876,500 | 861 |
| Average earning assets | $1,103,394,000 | 853 |
| Average equity | $84,991,500 | 1,074 |
| Average total loans | $671,710,500 | 995 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5580% | 2,509 |
| Cost of funding earning assets | 0.4697% | 4,036 |
| Net interest margin | 4.0883% | 1,099 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 3.1737% | 815 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.1384% | 2,009 |
| Return on assets (ROA) | 0.9635% | 2,528 |
| Pretax return on assets | 1.1478% | 2,516 |
| Return on Equity (ROE) | 13.4300% | 1,805 |
| Retained earnings to average equity (ytd only) | 8.5956% | 1,792 |
| Net charge-offs to loans | 0.1082% | 642 |
| Credit loss provision to net charge-offs | 186.2259% | 1,081 |
| Earnings coverage of net charge-offs (x) | 25.3306% | 1,630 |
| Efficiency ratio | 67.6881% | 2,017 |
| Assets per employee ($millions) | 4.7401% | 3,797 |
| Cash dividends to net income (ytd only)* | 35.9952% | 1,862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5068% | 1,157 |
| Loan loss allowance to noncurrent loans | 177.5550% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 974 |
| Noncurrent loans to loans | 0.8487% | 899 |
| Net loans and leases to total assets | 55.2300% | 3,171 |
| Net loans and leases to deposits | 61.6682% | 3,328 |
| Net loans and leases to core deposits | 63.6372% | 3,469 |
| Total domestic deposits to total assets | 89.5700% | 1,064 |
| Equity capital to assets | 7.4148% | 3,573 |
| Core capital (leverage) ratio | 10.5871% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3648% | 1,055 |
| Memoranda: |
| Average total assets | $1,213,846,000 | 841 |
| Average earning assets | $1,114,304,667 | 836 |
| Average equity | $87,090,667 | 1,048 |
| Average total loans | $671,117,333 | 983 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3480% | 2,679 |
| Cost of funding earning assets | 0.3547% | 4,061 |
| Net interest margin | 3.9934% | 1,275 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.0453% | 1,000 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.1245% | 2,144 |
| Return on assets (ROA) | 0.7735% | 3,240 |
| Pretax return on assets | 0.9072% | 3,214 |
| Return on Equity (ROE) | 10.9600% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.3781% | 2,931 |
| Net charge-offs to loans | 0.0173% | 1,338 |
| Credit loss provision to net charge-offs | 282.7586% | 712 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 590 |
| Efficiency ratio | 66.7503% | 2,119 |
| Assets per employee ($millions) | 4.8160% | 3,783 |
| Cash dividends to net income (ytd only)* | 50.9298% | 1,172 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4723% | 1,362 |
| Loan loss allowance to noncurrent loans | 65.5294% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3587% | 259 |
| Noncurrent loans to loans | 2.2467% | 225 |
| Net loans and leases to total assets | 54.4400% | 3,162 |
| Net loans and leases to deposits | 59.7623% | 3,348 |
| Net loans and leases to core deposits | 61.5763% | 3,468 |
| Total domestic deposits to total assets | 91.1000% | 768 |
| Equity capital to assets | 7.4991% | 3,561 |
| Core capital (leverage) ratio | 10.3204% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9617% | 1,158 |
| Memoranda: |
| Average total assets | $1,223,513,000 | 852 |
| Average earning assets | $1,123,359,000 | 848 |
| Average equity | $86,350,500 | 1,070 |
| Average total loans | $671,736,500 | 1,000 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7563% | 2,390 |
| Cost of funding earning assets | 0.2244% | 3,559 |
| Net interest margin | 3.5319% | 1,833 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.8573% | 1,203 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0517% | 2,369 |
| Return on assets (ROA) | 1.0330% | 2,382 |
| Pretax return on assets | 1.2422% | 2,301 |
| Return on Equity (ROE) | 13.9600% | 1,544 |
| Retained earnings to average equity (ytd only) | 9.4464% | 1,336 |
| Net charge-offs to loans | -0.0455% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.3808% | 1,914 |
| Assets per employee ($millions) | 4.9928% | 3,686 |
| Cash dividends to net income (ytd only)* | 32.3190% | 2,316 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3631% | 1,640 |
| Loan loss allowance to noncurrent loans | 66.3496% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 320 |
| Noncurrent loans to loans | 2.0544% | 270 |
| Net loans and leases to total assets | 53.8100% | 3,217 |
| Net loans and leases to deposits | 58.2274% | 3,442 |
| Net loans and leases to core deposits | 59.6344% | 3,532 |
| Total domestic deposits to total assets | 92.4200% | 540 |
| Equity capital to assets | 6.6266% | 3,851 |
| Core capital (leverage) ratio | 10.0434% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5470% | 1,223 |
| Memoranda: |
| Average total assets | $1,275,649,800 | 803 |
| Average earning assets | $1,181,912,000 | 801 |
| Average equity | $94,416,800 | 978 |
| Average total loans | $650,688,800 | 966 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5894% | 2,377 |
| Cost of funding earning assets | 0.2149% | 3,091 |
| Net interest margin | 3.3745% | 2,057 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.8062% | 1,240 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0037% | 2,469 |
| Return on assets (ROA) | 0.9791% | 2,526 |
| Pretax return on assets | 1.1744% | 2,471 |
| Return on Equity (ROE) | 12.9000% | 1,733 |
| Retained earnings to average equity (ytd only) | 8.6267% | 1,779 |
| Net charge-offs to loans | -0.0730% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.6344% | 1,804 |
| Assets per employee ($millions) | 5.0304% | 3,647 |
| Cash dividends to net income (ytd only)* | 33.1390% | 1,891 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3172% | 1,954 |
| Loan loss allowance to noncurrent loans | 250.5595% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 1,522 |
| Noncurrent loans to loans | 0.5257% | 1,486 |
| Net loans and leases to total assets | 53.0800% | 3,183 |
| Net loans and leases to deposits | 56.6813% | 3,423 |
| Net loans and leases to core deposits | 57.9894% | 3,503 |
| Total domestic deposits to total assets | 93.6500% | 422 |
| Equity capital to assets | 5.8613% | 4,014 |
| Core capital (leverage) ratio | 9.8323% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0855% | 1,404 |
| Memoranda: |
| Average total assets | $1,285,008,750 | 809 |
| Average earning assets | $1,193,310,000 | 803 |
| Average equity | $97,508,250 | 966 |
| Average total loans | $644,480,250 | 972 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3953% | 2,453 |
| Cost of funding earning assets | 0.2096% | 2,790 |
| Net interest margin | 3.1858% | 2,238 |
| Noninterest income to average assets | 0.8743% | 892 |
| Noninterest expense to average assets | 2.7339% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9321% | 2,435 |
| Return on assets (ROA) | 0.8952% | 2,578 |
| Pretax return on assets | 1.0704% | 2,512 |
| Return on Equity (ROE) | 11.0071% | 1,975 |
| Retained earnings to average equity (ytd only) | 7.2443% | 1,900 |
| Net charge-offs to loans | -0.1072% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0438% | 1,824 |
| Assets per employee ($millions) | 5.4039% | 3,324 |
| Cash dividends to net income (ytd only)* | 34.1852% | 1,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3066% | 2,161 |
| Loan loss allowance to noncurrent loans | 174.1935% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,226 |
| Noncurrent loans to loans | 0.7501% | 1,148 |
| Net loans and leases to total assets | 50.7499% | 3,295 |
| Net loans and leases to deposits | 54.7972% | 3,485 |
| Net loans and leases to core deposits | 56.2416% | 3,550 |
| Total domestic deposits to total assets | 92.6140% | 614 |
| Equity capital to assets | 6.9916% | 3,777 |
| Core capital (leverage) ratio | 9.5145% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5782% | 1,291 |
| Memoranda: |
| Average total assets | $1,302,533,000 | 793 |
| Average earning assets | $1,215,900,000 | 786 |
| Average equity | $105,932,000 | 928 |
| Average total loans | $638,332,000 | 971 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1797% | 2,747 |
| Cost of funding earning assets | 0.2122% | 2,638 |
| Net interest margin | 2.9676% | 2,611 |
| Noninterest income to average assets | 0.8756% | 877 |
| Noninterest expense to average assets | 2.6999% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8025% | 2,648 |
| Return on assets (ROA) | 0.7422% | 2,880 |
| Pretax return on assets | 0.8826% | 2,843 |
| Return on Equity (ROE) | 8.5481% | 2,494 |
| Retained earnings to average equity (ytd only) | 5.5509% | 2,397 |
| Net charge-offs to loans | 0.0317% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 62.9400% | 837 |
| Efficiency ratio | 73.8816% | 1,754 |
| Assets per employee ($millions) | 5.5990% | 3,232 |
| Cash dividends to net income (ytd only)* | 35.0633% | 1,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2723% | 2,485 |
| Loan loss allowance to noncurrent loans | 158.2426% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 1,301 |
| Noncurrent loans to loans | 0.8040% | 1,181 |
| Net loans and leases to total assets | 48.4182% | 3,344 |
| Net loans and leases to deposits | 52.7989% | 3,508 |
| Net loans and leases to core deposits | 54.3017% | 3,573 |
| Total domestic deposits to total assets | 91.7031% | 696 |
| Equity capital to assets | 7.9515% | 3,609 |
| Core capital (leverage) ratio | 9.2207% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7820% | 1,314 |
| Memoranda: |
| Average total assets | $1,318,845,000 | 788 |
| Average earning assets | $1,234,940,500 | 786 |
| Average equity | $114,504,500 | 893 |
| Average total loans | $630,993,500 | 975 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2211% | 3,429 |
| Cost of funding earning assets | 0.2495% | 2,942 |
| Net interest margin | 2.9717% | 3,269 |
| Noninterest income to average assets | 0.9363% | 1,124 |
| Noninterest expense to average assets | 2.5988% | 1,875 |
| Loan and lease loss provision to assets | 0.0247% | 2,568 |
| Net operating income to assets | 0.9187% | 2,974 |
| Return on assets (ROA) | 0.9118% | 3,060 |
| Pretax return on assets | 1.0930% | 2,997 |
| Return on Equity (ROE) | 10.5862% | 2,315 |
| Retained earnings to average equity (ytd only) | 10.5862% | 785 |
| Net charge-offs to loans | 0.1150% | 780 |
| Credit loss provision to net charge-offs | 45.6432% | 2,162 |
| Earnings coverage of net charge-offs (x) | 20.7842% | 1,843 |
| Efficiency ratio | 69.7688% | 1,764 |
| Assets per employee ($millions) | 5.6971% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3163% | 2,286 |
| Loan loss allowance to noncurrent loans | 199.7561% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 1,680 |
| Noncurrent loans to loans | 0.6589% | 1,517 |
| Net loans and leases to total assets | 46.0579% | 3,687 |
| Net loans and leases to deposits | 51.0948% | 3,793 |
| Net loans and leases to core deposits | 52.6618% | 3,847 |
| Total domestic deposits to total assets | 90.1421% | 893 |
| Equity capital to assets | 9.3972% | 3,228 |
| Core capital (leverage) ratio | 9.0397% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1673% | 1,227 |
| Memoranda: |
| Average total assets | $1,334,456,200 | 750 |
| Average earning assets | $1,252,229,600 | 744 |
| Average equity | $114,942,000 | 906 |
| Average total loans | $628,720,000 | 963 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2235% | 3,561 |
| Cost of funding earning assets | 0.2579% | 3,034 |
| Net interest margin | 2.9656% | 3,400 |
| Noninterest income to average assets | 0.9186% | 1,221 |
| Noninterest expense to average assets | 2.5936% | 1,858 |
| Loan and lease loss provision to assets | 0.0330% | 2,338 |
| Net operating income to assets | 0.8942% | 3,265 |
| Return on assets (ROA) | 0.8881% | 3,357 |
| Pretax return on assets | 1.0644% | 3,288 |
| Return on Equity (ROE) | 10.5505% | 2,537 |
| Retained earnings to average equity (ytd only) | 10.5505% | 1,162 |
| Net charge-offs to loans | 0.1138% | 673 |
| Credit loss provision to net charge-offs | 61.3383% | 1,796 |
| Earnings coverage of net charge-offs (x) | 20.5558% | 1,727 |
| Efficiency ratio | 70.1302% | 1,590 |
| Assets per employee ($millions) | 5.8931% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3234% | 2,379 |
| Loan loss allowance to noncurrent loans | 160.9958% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 1,833 |
| Noncurrent loans to loans | 0.8220% | 1,388 |
| Net loans and leases to total assets | 46.4747% | 3,757 |
| Net loans and leases to deposits | 51.1032% | 3,943 |
| Net loans and leases to core deposits | 52.7768% | 3,996 |
| Total domestic deposits to total assets | 90.9428% | 388 |
| Equity capital to assets | 8.5894% | 4,141 |
| Core capital (leverage) ratio | 8.1684% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0732% | 1,593 |
| Memoranda: |
| Average total assets | $1,334,787,250 | 756 |
| Average earning assets | $1,251,104,750 | 750 |
| Average equity | $112,358,250 | 934 |
| Average total loans | $630,349,250 | 977 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1521% | 3,765 |
| Cost of funding earning assets | 0.2653% | 3,131 |
| Net interest margin | 2.8868% | 3,604 |
| Noninterest income to average assets | 0.8162% | 1,493 |
| Noninterest expense to average assets | 2.5484% | 2,005 |
| Loan and lease loss provision to assets | 0.0496% | 2,039 |
| Net operating income to assets | 0.7748% | 3,586 |
| Return on assets (ROA) | 0.7680% | 3,663 |
| Pretax return on assets | 0.9145% | 3,628 |
| Return on Equity (ROE) | 9.1862% | 3,046 |
| Retained earnings to average equity (ytd only) | 9.1862% | 1,654 |
| Net charge-offs to loans | 0.1620% | 518 |
| Credit loss provision to net charge-offs | 64.7059% | 1,539 |
| Earnings coverage of net charge-offs (x) | 12.6941% | 1,715 |
| Efficiency ratio | 72.3853% | 1,392 |
| Assets per employee ($millions) | 5.8891% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3247% | 2,314 |
| Loan loss allowance to noncurrent loans | 150.7265% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 1,883 |
| Noncurrent loans to loans | 0.8789% | 1,398 |
| Net loans and leases to total assets | 46.0105% | 3,904 |
| Net loans and leases to deposits | 50.5783% | 4,071 |
| Net loans and leases to core deposits | 52.2824% | 4,117 |
| Total domestic deposits to total assets | 90.9689% | 386 |
| Equity capital to assets | 8.4278% | 4,253 |
| Core capital (leverage) ratio | 7.8188% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6193% | 1,751 |
| Memoranda: |
| Average total assets | $1,331,837,000 | 752 |
| Average earning assets | $1,247,672,000 | 746 |
| Average equity | $111,341,000 | 930 |
| Average total loans | $629,523,333 | 977 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2176% | 3,651 |
| Cost of funding earning assets | 0.2753% | 3,221 |
| Net interest margin | 2.9424% | 3,401 |
| Noninterest income to average assets | 0.5969% | 2,224 |
| Noninterest expense to average assets | 2.4746% | 2,245 |
| Loan and lease loss provision to assets | 0.0501% | 2,093 |
| Net operating income to assets | 0.6955% | 3,719 |
| Return on assets (ROA) | 0.6794% | 3,822 |
| Pretax return on assets | 0.8115% | 3,790 |
| Return on Equity (ROE) | 8.1615% | 3,276 |
| Retained earnings to average equity (ytd only) | 8.1615% | 2,185 |
| Net charge-offs to loans | 0.2347% | 363 |
| Credit loss provision to net charge-offs | 44.8370% | 1,333 |
| Earnings coverage of net charge-offs (x) | 7.8832% | 1,599 |
| Efficiency ratio | 73.7514% | 1,335 |
| Assets per employee ($millions) | 5.7250% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3435% | 2,237 |
| Loan loss allowance to noncurrent loans | 106.9696% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 1,575 |
| Noncurrent loans to loans | 1.2560% | 1,037 |
| Net loans and leases to total assets | 45.5457% | 3,995 |
| Net loans and leases to deposits | 49.8028% | 4,168 |
| Net loans and leases to core deposits | 51.7598% | 4,207 |
| Total domestic deposits to total assets | 91.4520% | 254 |
| Equity capital to assets | 7.9882% | 4,500 |
| Core capital (leverage) ratio | 7.9146% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7969% | 1,639 |
| Memoranda: |
| Average total assets | $1,317,562,000 | 754 |
| Average earning assets | $1,235,189,500 | 747 |
| Average equity | $109,686,000 | 935 |
| Average total loans | $627,123,000 | 978 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2634% | 1,973 |
| Cost of funding earning assets | 0.3791% | 3,713 |
| Net interest margin | 3.8843% | 1,258 |
| Noninterest income to average assets | 0.8736% | 1,338 |
| Noninterest expense to average assets | 3.2054% | 1,047 |
| Loan and lease loss provision to assets | 0.2635% | 1,468 |
| Net operating income to assets | 0.7754% | 3,181 |
| Return on assets (ROA) | 0.8006% | 3,214 |
| Pretax return on assets | 0.9391% | 3,254 |
| Return on Equity (ROE) | 7.7995% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.4531% | 2,563 |
| Net charge-offs to loans | 0.1176% | 1,310 |
| Credit loss provision to net charge-offs | 361.3245% | 1,554 |
| Earnings coverage of net charge-offs (x) | 16.0821% | 2,149 |
| Efficiency ratio | 73.2101% | 1,541 |
| Assets per employee ($millions) | 5.4179% | 2,936 |
| Cash dividends to net income (ytd only)* | 42.9054% | 2,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3613% | 2,141 |
| Loan loss allowance to noncurrent loans | 97.3571% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 1,467 |
| Noncurrent loans to loans | 1.3983% | 970 |
| Net loans and leases to total assets | 48.4348% | 3,944 |
| Net loans and leases to deposits | 53.3943% | 4,141 |
| Net loans and leases to core deposits | 55.5339% | 4,175 |
| Total domestic deposits to total assets | 90.7115% | 301 |
| Equity capital to assets | 8.6792% | 4,312 |
| Core capital (leverage) ratio | 8.5159% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2666% | 1,458 |
| Memoranda: |
| Average total assets | $1,035,167,800 | 853 |
| Average earning assets | $934,012,400 | 874 |
| Average equity | $106,263,800 | 922 |
| Average total loans | $642,133,400 | 923 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6078% | 1,284 |
| Cost of funding earning assets | 0.4134% | 3,740 |
| Net interest margin | 4.1945% | 743 |
| Noninterest income to average assets | 0.8679% | 1,314 |
| Noninterest expense to average assets | 3.3910% | 807 |
| Loan and lease loss provision to assets | 0.3478% | 1,092 |
| Net operating income to assets | 0.7411% | 3,314 |
| Return on assets (ROA) | 0.7796% | 3,283 |
| Pretax return on assets | 0.9090% | 3,356 |
| Return on Equity (ROE) | 7.2261% | 3,112 |
| Retained earnings to average equity (ytd only) | 2.7093% | 3,648 |
| Net charge-offs to loans | 0.0161% | 2,557 |
| Credit loss provision to net charge-offs | 3,253.8462% | 330 |
| Earnings coverage of net charge-offs (x) | 113.3846% | 727 |
| Efficiency ratio | 73.6700% | 1,440 |
| Assets per employee ($millions) | 4.5244% | 3,821 |
| Cash dividends to net income (ytd only)* | 62.5066% | 1,041 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3667% | 1,889 |
| Loan loss allowance to noncurrent loans | 94.1262% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.9313% | 1,226 |
| Noncurrent loans to loans | 1.4519% | 992 |
| Net loans and leases to total assets | 60.7902% | 3,131 |
| Net loans and leases to deposits | 68.1611% | 3,451 |
| Net loans and leases to core deposits | 71.3274% | 3,531 |
| Total domestic deposits to total assets | 89.1861% | 692 |
| Equity capital to assets | 9.9755% | 3,249 |
| Core capital (leverage) ratio | 9.6770% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6851% | 1,328 |
| Memoranda: |
| Average total assets | $972,952,000 | 885 |
| Average earning assets | $866,388,250 | 918 |
| Average equity | $104,968,750 | 922 |
| Average total loans | $645,041,500 | 919 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8342% | 1,090 |
| Cost of funding earning assets | 0.4433% | 3,825 |
| Net interest margin | 4.3909% | 634 |
| Noninterest income to average assets | 0.8865% | 1,201 |
| Noninterest expense to average assets | 3.5154% | 736 |
| Loan and lease loss provision to assets | 0.3368% | 1,272 |
| Net operating income to assets | 0.8074% | 3,021 |
| Return on assets (ROA) | 0.8195% | 3,092 |
| Pretax return on assets | 0.9589% | 3,154 |
| Return on Equity (ROE) | 7.3834% | 2,976 |
| Retained earnings to average equity (ytd only) | 2.7152% | 3,496 |
| Net charge-offs to loans | 0.0160% | 2,423 |
| Credit loss provision to net charge-offs | 3,098.0392% | 348 |
| Earnings coverage of net charge-offs (x) | 117.8824% | 631 |
| Efficiency ratio | 73.2859% | 1,534 |
| Assets per employee ($millions) | 4.4856% | 3,805 |
| Cash dividends to net income (ytd only)* | 63.2250% | 1,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2155% | 2,436 |
| Loan loss allowance to noncurrent loans | 87.0481% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 1,269 |
| Noncurrent loans to loans | 1.3963% | 1,108 |
| Net loans and leases to total assets | 64.6790% | 2,798 |
| Net loans and leases to deposits | 72.9286% | 3,168 |
| Net loans and leases to core deposits | 76.5738% | 3,240 |
| Total domestic deposits to total assets | 88.6881% | 871 |
| Equity capital to assets | 10.4312% | 2,810 |
| Core capital (leverage) ratio | 9.8150% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6954% | 1,317 |
| Memoranda: |
| Average total assets | $938,335,000 | 902 |
| Average earning assets | $835,630,000 | 931 |
| Average equity | $104,152,667 | 921 |
| Average total loans | $638,835,000 | 915 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9628% | 1,040 |
| Cost of funding earning assets | 0.4823% | 4,023 |
| Net interest margin | 4.4805% | 529 |
| Noninterest income to average assets | 0.9494% | 956 |
| Noninterest expense to average assets | 3.7030% | 698 |
| Loan and lease loss provision to assets | 0.3049% | 1,019 |
| Net operating income to assets | 0.8369% | 2,762 |
| Return on assets (ROA) | 0.8369% | 2,851 |
| Pretax return on assets | 0.9722% | 2,926 |
| Return on Equity (ROE) | 7.2895% | 2,838 |
| Retained earnings to average equity (ytd only) | 2.5659% | 3,244 |
| Net charge-offs to loans | 0.0058% | 2,363 |
| Credit loss provision to net charge-offs | 7,588.8889% | 96 |
| Earnings coverage of net charge-offs (x) | 317.8889% | 223 |
| Efficiency ratio | 74.3569% | 1,768 |
| Assets per employee ($millions) | 3.9754% | 3,943 |
| Cash dividends to net income (ytd only)* | 64.8000% | 1,295 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1652% | 2,854 |
| Loan loss allowance to noncurrent loans | 88.2267% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 1,305 |
| Noncurrent loans to loans | 1.3207% | 1,233 |
| Net loans and leases to total assets | 67.8658% | 2,566 |
| Net loans and leases to deposits | 78.7004% | 2,818 |
| Net loans and leases to core deposits | 83.0660% | 2,929 |
| Total domestic deposits to total assets | 86.2330% | 1,902 |
| Equity capital to assets | 11.4680% | 2,463 |
| Core capital (leverage) ratio | 11.0801% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3443% | 1,521 |
| Memoranda: |
| Average total assets | $896,141,000 | 912 |
| Average earning assets | $806,161,500 | 939 |
| Average equity | $102,888,000 | 928 |
| Average total loans | $623,439,500 | 913 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1227% | 1,170 |
| Cost of funding earning assets | 0.4557% | 4,252 |
| Net interest margin | 4.6670% | 503 |
| Noninterest income to average assets | 0.9872% | 996 |
| Noninterest expense to average assets | 3.8148% | 658 |
| Loan and lease loss provision to assets | 0.0795% | 2,406 |
| Net operating income to assets | 1.0847% | 2,502 |
| Return on assets (ROA) | 1.1215% | 2,464 |
| Pretax return on assets | 1.3451% | 2,347 |
| Return on Equity (ROE) | 9.9218% | 2,330 |
| Retained earnings to average equity (ytd only) | 4.0001% | 2,963 |
| Net charge-offs to loans | 0.0755% | 2,013 |
| Credit loss provision to net charge-offs | 148.0851% | 1,736 |
| Earnings coverage of net charge-offs (x) | 25.7149% | 1,722 |
| Efficiency ratio | 73.0776% | 1,719 |
| Assets per employee ($millions) | 3.5997% | 4,370 |
| Cash dividends to net income (ytd only)* | 59.6843% | 1,583 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0631% | 3,152 |
| Loan loss allowance to noncurrent loans | 85.2243% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 1,265 |
| Noncurrent loans to loans | 1.2474% | 1,205 |
| Net loans and leases to total assets | 69.7525% | 2,439 |
| Net loans and leases to deposits | 79.6293% | 2,819 |
| Net loans and leases to core deposits | 84.0325% | 2,948 |
| Total domestic deposits to total assets | 87.5964% | 1,317 |
| Equity capital to assets | 11.4949% | 2,533 |
| Core capital (leverage) ratio | 11.0774% | 2,428 |
| Tier 1 risk-based capital ratio | 15.2549% | 2,678 |
| Total risk-based capital ratio | 16.3021% | 2,695 |
| Memoranda: |
| Average total assets | $875,639,800 | 898 |
| Average earning assets | $789,507,400 | 918 |
| Average equity | $98,973,600 | 908 |
| Average total loans | $622,761,000 | 884 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1210% | 1,242 |
| Cost of funding earning assets | 0.4522% | 4,317 |
| Net interest margin | 4.6688% | 525 |
| Noninterest income to average assets | 0.9801% | 973 |
| Noninterest expense to average assets | 3.8144% | 648 |
| Loan and lease loss provision to assets | 0.0549% | 2,813 |
| Net operating income to assets | 1.0968% | 2,580 |
| Return on assets (ROA) | 1.1459% | 2,474 |
| Pretax return on assets | 1.3817% | 2,374 |
| Return on Equity (ROE) | 10.1814% | 2,359 |
| Retained earnings to average equity (ytd only) | 5.2398% | 2,768 |
| Net charge-offs to loans | 0.0638% | 1,910 |
| Credit loss provision to net charge-offs | 120.8054% | 1,944 |
| Earnings coverage of net charge-offs (x) | 30.3023% | 1,615 |
| Efficiency ratio | 73.1167% | 1,684 |
| Assets per employee ($millions) | 3.4279% | 4,573 |
| Cash dividends to net income (ytd only)* | 48.5357% | 1,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0321% | 3,383 |
| Loan loss allowance to noncurrent loans | 78.3639% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9666% | 1,392 |
| Noncurrent loans to loans | 1.3170% | 1,175 |
| Net loans and leases to total assets | 71.0055% | 2,321 |
| Net loans and leases to deposits | 81.5877% | 2,737 |
| Net loans and leases to core deposits | 86.1356% | 2,898 |
| Total domestic deposits to total assets | 87.0296% | 1,496 |
| Equity capital to assets | 11.7401% | 2,469 |
| Core capital (leverage) ratio | 11.2855% | 2,393 |
| Tier 1 risk-based capital ratio | 15.1656% | 2,774 |
| Total risk-based capital ratio | 16.1824% | 2,810 |
| Memoranda: |
| Average total assets | $874,069,000 | 898 |
| Average earning assets | $788,503,750 | 918 |
| Average equity | $98,373,000 | 913 |
| Average total loans | $623,008,000 | 883 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1087% | 1,195 |
| Cost of funding earning assets | 0.4579% | 4,297 |
| Net interest margin | 4.6508% | 550 |
| Noninterest income to average assets | 0.9527% | 968 |
| Noninterest expense to average assets | 3.8058% | 659 |
| Loan and lease loss provision to assets | 0.0617% | 2,589 |
| Net operating income to assets | 1.0562% | 2,696 |
| Return on assets (ROA) | 1.1289% | 2,481 |
| Pretax return on assets | 1.3723% | 2,296 |
| Return on Equity (ROE) | 10.1760% | 2,304 |
| Retained earnings to average equity (ytd only) | 5.1704% | 2,684 |
| Net charge-offs to loans | 0.0540% | 1,874 |
| Credit loss provision to net charge-offs | 160.7143% | 1,420 |
| Earnings coverage of net charge-offs (x) | 35.0417% | 1,336 |
| Efficiency ratio | 73.5282% | 1,696 |
| Assets per employee ($millions) | 3.4982% | 4,500 |
| Cash dividends to net income (ytd only)* | 49.1903% | 1,843 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0445% | 3,367 |
| Loan loss allowance to noncurrent loans | 80.0247% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 1,420 |
| Noncurrent loans to loans | 1.3053% | 1,207 |
| Net loans and leases to total assets | 71.4027% | 2,301 |
| Net loans and leases to deposits | 81.5504% | 2,779 |
| Net loans and leases to core deposits | 86.1119% | 2,950 |
| Total domestic deposits to total assets | 87.5566% | 1,308 |
| Equity capital to assets | 11.5341% | 2,581 |
| Core capital (leverage) ratio | 10.9127% | 2,677 |
| Tier 1 risk-based capital ratio | 15.1363% | 2,776 |
| Total risk-based capital ratio | 16.1724% | 2,798 |
| Memoranda: |
| Average total assets | $875,200,670 | 896 |
| Average earning assets | $790,065,670 | 914 |
| Average equity | $97,091,330 | 918 |
| Average total loans | $622,453,000 | 889 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0649% | 1,177 |
| Cost of funding earning assets | 0.4522% | 4,274 |
| Net interest margin | 4.6127% | 597 |
| Noninterest income to average assets | 0.8852% | 1,074 |
| Noninterest expense to average assets | 3.7302% | 716 |
| Loan and lease loss provision to assets | 0.0816% | 2,070 |
| Net operating income to assets | 1.0248% | 2,763 |
| Return on assets (ROA) | 1.0248% | 2,799 |
| Pretax return on assets | 1.2392% | 2,667 |
| Return on Equity (ROE) | 9.4200% | 2,620 |
| Retained earnings to average equity (ytd only) | 4.3579% | 3,181 |
| Net charge-offs to loans | 0.0533% | 1,524 |
| Credit loss provision to net charge-offs | 216.8675% | 999 |
| Earnings coverage of net charge-offs (x) | 35.1084% | 1,237 |
| Efficiency ratio | 73.4925% | 1,819 |
| Assets per employee ($millions) | 3.6981% | 4,347 |
| Cash dividends to net income (ytd only)* | 53.7373% | 1,524 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0441% | 3,435 |
| Loan loss allowance to noncurrent loans | 109.0894% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 1,964 |
| Noncurrent loans to loans | 0.9571% | 1,747 |
| Net loans and leases to total assets | 68.0730% | 2,749 |
| Net loans and leases to deposits | 80.1478% | 2,824 |
| Net loans and leases to core deposits | 84.7589% | 2,965 |
| Total domestic deposits to total assets | 84.9343% | 2,701 |
| Equity capital to assets | 10.7786% | 3,067 |
| Core capital (leverage) ratio | 10.8275% | 2,742 |
| Tier 1 risk-based capital ratio | 14.8515% | 2,939 |
| Total risk-based capital ratio | 15.8837% | 2,968 |
| Memoranda: |
| Average total assets | $882,526,000 | 893 |
| Average earning assets | $797,011,500 | 904 |
| Average equity | $96,008,500 | 921 |
| Average total loans | $623,208,500 | 892 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8697% | 1,367 |
| Cost of funding earning assets | 0.3910% | 4,042 |
| Net interest margin | 4.4786% | 797 |
| Noninterest income to average assets | 1.1940% | 644 |
| Noninterest expense to average assets | 3.7500% | 726 |
| Loan and lease loss provision to assets | 0.0220% | 3,726 |
| Net operating income to assets | 1.1972% | 2,183 |
| Return on assets (ROA) | 1.1976% | 2,178 |
| Pretax return on assets | 1.4536% | 1,940 |
| Return on Equity (ROE) | 11.1543% | 2,023 |
| Retained earnings to average equity (ytd only) | 5.0177% | 2,759 |
| Net charge-offs to loans | 0.0815% | 1,973 |
| Credit loss provision to net charge-offs | 38.1048% | 3,297 |
| Earnings coverage of net charge-offs (x) | 25.5685% | 1,766 |
| Efficiency ratio | 71.4117% | 1,979 |
| Assets per employee ($millions) | 3.5357% | 4,507 |
| Cash dividends to net income (ytd only)* | 55.0160% | 1,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0203% | 3,560 |
| Loan loss allowance to noncurrent loans | 84.4891% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 1,445 |
| Noncurrent loans to loans | 1.2076% | 1,326 |
| Net loans and leases to total assets | 71.7855% | 2,301 |
| Net loans and leases to deposits | 81.5804% | 2,785 |
| Net loans and leases to core deposits | 86.4419% | 2,878 |
| Total domestic deposits to total assets | 87.9936% | 1,298 |
| Equity capital to assets | 10.9837% | 2,704 |
| Core capital (leverage) ratio | 10.8246% | 2,706 |
| Tier 1 risk-based capital ratio | 14.7878% | 2,927 |
| Total risk-based capital ratio | 15.8121% | 2,953 |
| Memoranda: |
| Average total assets | $859,775,600 | 882 |
| Average earning assets | $773,854,200 | 908 |
| Average equity | $92,314,000 | 914 |
| Average total loans | $608,338,200 | 881 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8201% | 1,375 |
| Cost of funding earning assets | 0.4007% | 3,851 |
| Net interest margin | 4.4194% | 865 |
| Noninterest income to average assets | 1.2550% | 608 |
| Noninterest expense to average assets | 3.8012% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1805% | 2,318 |
| Return on assets (ROA) | 1.1811% | 2,320 |
| Pretax return on assets | 1.4309% | 2,117 |
| Return on Equity (ROE) | 11.0644% | 2,152 |
| Retained earnings to average equity (ytd only) | 5.0204% | 3,222 |
| Net charge-offs to loans | 0.0901% | 1,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 22.5832% | 1,870 |
| Efficiency ratio | 72.3068% | 1,835 |
| Assets per employee ($millions) | 3.5421% | 4,510 |
| Cash dividends to net income (ytd only)* | 54.6255% | 1,419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0293% | 3,587 |
| Loan loss allowance to noncurrent loans | 109.7276% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 1,997 |
| Noncurrent loans to loans | 0.9380% | 1,815 |
| Net loans and leases to total assets | 71.3637% | 2,431 |
| Net loans and leases to deposits | 80.9251% | 2,935 |
| Net loans and leases to core deposits | 85.6907% | 3,025 |
| Total domestic deposits to total assets | 88.1849% | 1,159 |
| Equity capital to assets | 10.8561% | 2,791 |
| Core capital (leverage) ratio | 10.7636% | 2,827 |
| Tier 1 risk-based capital ratio | 14.8450% | 2,949 |
| Total risk-based capital ratio | 15.8706% | 2,983 |
| Memoranda: |
| Average total assets | $859,040,500 | 884 |
| Average earning assets | $772,909,000 | 906 |
| Average equity | $91,703,000 | 915 |
| Average total loans | $604,000,500 | 883 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7441% | 1,397 |
| Cost of funding earning assets | 0.4061% | 3,678 |
| Net interest margin | 4.3381% | 961 |
| Noninterest income to average assets | 1.3969% | 487 |
| Noninterest expense to average assets | 3.8109% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2273% | 2,075 |
| Return on assets (ROA) | 1.2282% | 2,071 |
| Pretax return on assets | 1.4905% | 1,847 |
| Return on Equity (ROE) | 11.5697% | 1,882 |
| Retained earnings to average equity (ytd only) | 6.5476% | 2,284 |
| Net charge-offs to loans | 0.0505% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.2895% | 1,253 |
| Efficiency ratio | 71.5510% | 2,075 |
| Assets per employee ($millions) | 3.4446% | 4,666 |
| Cash dividends to net income (ytd only)* | 43.4069% | 1,964 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0870% | 3,342 |
| Loan loss allowance to noncurrent loans | 110.2326% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 1,963 |
| Noncurrent loans to loans | 0.9861% | 1,773 |
| Net loans and leases to total assets | 70.7950% | 2,461 |
| Net loans and leases to deposits | 81.1340% | 2,847 |
| Net loans and leases to core deposits | 85.9877% | 2,924 |
| Total domestic deposits to total assets | 87.2569% | 1,736 |
| Equity capital to assets | 11.0251% | 2,617 |
| Core capital (leverage) ratio | 10.4985% | 3,032 |
| Tier 1 risk-based capital ratio | 15.0521% | 2,851 |
| Total risk-based capital ratio | 16.1403% | 2,847 |
| Memoranda: |
| Average total assets | $863,199,670 | 881 |
| Average earning assets | $776,704,330 | 906 |
| Average equity | $91,636,000 | 914 |
| Average total loans | $601,860,000 | 882 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5736% | 1,652 |
| Cost of funding earning assets | 0.3952% | 3,623 |
| Net interest margin | 4.1784% | 1,221 |
| Noninterest income to average assets | 0.8397% | 1,330 |
| Noninterest expense to average assets | 3.7354% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7323% | 3,976 |
| Return on assets (ROA) | 0.7323% | 3,981 |
| Pretax return on assets | 0.8617% | 3,977 |
| Return on Equity (ROE) | 7.0279% | 3,777 |
| Retained earnings to average equity (ytd only) | 3.2747% | 3,896 |
| Net charge-offs to loans | 0.0206% | 2,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 60.7742% | 839 |
| Efficiency ratio | 80.8576% | 1,056 |
| Assets per employee ($millions) | 3.5898% | 4,551 |
| Cash dividends to net income (ytd only)* | 53.4041% | 1,438 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1119% | 3,305 |
| Loan loss allowance to noncurrent loans | 103.3520% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 1,976 |
| Noncurrent loans to loans | 1.0759% | 1,704 |
| Net loans and leases to total assets | 67.3447% | 2,844 |
| Net loans and leases to deposits | 81.0094% | 2,696 |
| Net loans and leases to core deposits | 85.4782% | 2,848 |
| Total domestic deposits to total assets | 83.1319% | 3,623 |
| Equity capital to assets | 10.3152% | 3,263 |
| Core capital (leverage) ratio | 10.3223% | 3,164 |
| Tier 1 risk-based capital ratio | 13.8309% | 3,482 |
| Total risk-based capital ratio | 14.8757% | 3,503 |
| Memoranda: |
| Average total assets | $874,560,000 | 878 |
| Average earning assets | $786,428,500 | 894 |
| Average equity | $91,122,000 | 926 |
| Average total loans | $602,012,000 | 891 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6959% | 1,206 |
| Cost of funding earning assets | 0.3576% | 3,640 |
| Net interest margin | 4.3384% | 888 |
| Noninterest income to average assets | 1.0345% | 949 |
| Noninterest expense to average assets | 3.7257% | 765 |
| Loan and lease loss provision to assets | 0.1099% | 2,052 |
| Net operating income to assets | 0.8060% | 3,130 |
| Return on assets (ROA) | 0.8072% | 3,169 |
| Pretax return on assets | 1.0904% | 3,225 |
| Return on Equity (ROE) | 7.9220% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.5974% | 2,393 |
| Net charge-offs to loans | 0.1005% | 2,070 |
| Credit loss provision to net charge-offs | 154.4262% | 1,737 |
| Earnings coverage of net charge-offs (x) | 16.8492% | 2,154 |
| Efficiency ratio | 75.2777% | 1,721 |
| Assets per employee ($millions) | 3.5787% | 4,602 |
| Cash dividends to net income (ytd only)* | 41.9676% | 2,755 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1058% | 3,327 |
| Loan loss allowance to noncurrent loans | 122.0985% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 1,899 |
| Noncurrent loans to loans | 0.9057% | 1,968 |
| Net loans and leases to total assets | 68.8089% | 2,704 |
| Net loans and leases to deposits | 81.3800% | 2,773 |
| Net loans and leases to core deposits | 85.5955% | 2,941 |
| Total domestic deposits to total assets | 84.5526% | 3,018 |
| Equity capital to assets | 10.5243% | 3,146 |
| Core capital (leverage) ratio | 10.3012% | 3,070 |
| Tier 1 risk-based capital ratio | 13.7795% | 3,480 |
| Total risk-based capital ratio | 14.8302% | 3,496 |
| Memoranda: |
| Average total assets | $857,479,600 | 867 |
| Average earning assets | $768,812,000 | 892 |
| Average equity | $87,376,400 | 929 |
| Average total loans | $606,959,600 | 858 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6908% | 1,160 |
| Cost of funding earning assets | 0.3526% | 3,639 |
| Net interest margin | 4.3382% | 841 |
| Noninterest income to average assets | 0.9960% | 1,036 |
| Noninterest expense to average assets | 3.7492% | 719 |
| Loan and lease loss provision to assets | 0.1470% | 1,426 |
| Net operating income to assets | 0.7392% | 3,777 |
| Return on assets (ROA) | 0.7407% | 3,845 |
| Pretax return on assets | 0.9856% | 3,742 |
| Return on Equity (ROE) | 7.3305% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.0790% | 2,833 |
| Net charge-offs to loans | 0.0648% | 2,193 |
| Credit loss provision to net charge-offs | 319.3220% | 938 |
| Earnings coverage of net charge-offs (x) | 24.5595% | 1,764 |
| Efficiency ratio | 76.4486% | 1,524 |
| Assets per employee ($millions) | 3.4589% | 4,788 |
| Cash dividends to net income (ytd only)* | 30.7141% | 2,722 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1543% | 3,175 |
| Loan loss allowance to noncurrent loans | 126.6450% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 2,089 |
| Noncurrent loans to loans | 0.9115% | 2,105 |
| Net loans and leases to total assets | 69.6571% | 2,611 |
| Net loans and leases to deposits | 83.7665% | 2,586 |
| Net loans and leases to core deposits | 88.2894% | 2,740 |
| Total domestic deposits to total assets | 83.1562% | 3,408 |
| Equity capital to assets | 10.6561% | 3,208 |
| Core capital (leverage) ratio | 10.1718% | 3,349 |
| Tier 1 risk-based capital ratio | 13.7722% | 3,535 |
| Total risk-based capital ratio | 14.8813% | 3,549 |
| Memoranda: |
| Average total assets | $854,443,500 | 880 |
| Average earning assets | $764,942,500 | 902 |
| Average equity | $86,340,000 | 944 |
| Average total loans | $607,432,000 | 866 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6591% | 1,145 |
| Cost of funding earning assets | 0.3421% | 3,665 |
| Net interest margin | 4.3170% | 822 |
| Noninterest income to average assets | 0.9695% | 1,089 |
| Noninterest expense to average assets | 3.7920% | 678 |
| Loan and lease loss provision to assets | 0.1899% | 984 |
| Net operating income to assets | 0.6468% | 4,098 |
| Return on assets (ROA) | 0.6492% | 4,137 |
| Pretax return on assets | 0.8496% | 4,100 |
| Return on Equity (ROE) | 6.5446% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.1179% | 2,629 |
| Net charge-offs to loans | 0.0385% | 2,431 |
| Credit loss provision to net charge-offs | 691.4530% | 510 |
| Earnings coverage of net charge-offs (x) | 37.7436% | 1,297 |
| Efficiency ratio | 78.1461% | 1,446 |
| Assets per employee ($millions) | 3.4086% | 4,853 |
| Cash dividends to net income (ytd only)* | 21.8004% | 3,046 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1556% | 3,281 |
| Loan loss allowance to noncurrent loans | 116.9902% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 2,208 |
| Noncurrent loans to loans | 0.9878% | 1,989 |
| Net loans and leases to total assets | 69.3857% | 2,608 |
| Net loans and leases to deposits | 83.1984% | 2,579 |
| Net loans and leases to core deposits | 87.7067% | 2,730 |
| Total domestic deposits to total assets | 83.3979% | 3,428 |
| Equity capital to assets | 10.4456% | 3,408 |
| Core capital (leverage) ratio | 9.9580% | 3,586 |
| Tier 1 risk-based capital ratio | 13.5364% | 3,685 |
| Total risk-based capital ratio | 14.6485% | 3,663 |
| Memoranda: |
| Average total assets | $852,170,330 | 886 |
| Average earning assets | $761,734,000 | 913 |
| Average equity | $84,527,670 | 966 |
| Average total loans | $607,597,000 | 870 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6468% | 1,035 |
| Cost of funding earning assets | 0.3338% | 3,715 |
| Net interest margin | 4.3130% | 760 |
| Noninterest income to average assets | 0.9544% | 1,093 |
| Noninterest expense to average assets | 3.8466% | 644 |
| Loan and lease loss provision to assets | 0.1920% | 869 |
| Net operating income to assets | 0.5865% | 4,211 |
| Return on assets (ROA) | 0.5865% | 4,256 |
| Pretax return on assets | 0.7510% | 4,283 |
| Return on Equity (ROE) | 6.0790% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.0790% | 2,290 |
| Net charge-offs to loans | -0.0046% | 4,160 |
| Credit loss provision to net charge-offs | -5,785.7143% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9149% | 1,395 |
| Assets per employee ($millions) | 3.3606% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1116% | 3,648 |
| Loan loss allowance to noncurrent loans | 120.8029% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 2,378 |
| Noncurrent loans to loans | 0.9202% | 2,201 |
| Net loans and leases to total assets | 68.4113% | 2,614 |
| Net loans and leases to deposits | 81.5681% | 2,562 |
| Net loans and leases to core deposits | 86.0402% | 2,704 |
| Total domestic deposits to total assets | 83.8702% | 3,528 |
| Equity capital to assets | 10.1252% | 3,596 |
| Core capital (leverage) ratio | 10.0122% | 3,479 |
| Tier 1 risk-based capital ratio | 13.3888% | 3,842 |
| Total risk-based capital ratio | 14.4572% | 3,865 |
| Memoranda: |
| Average total assets | $843,656,000 | 900 |
| Average earning assets | $750,197,500 | 929 |
| Average equity | $81,395,000 | 999 |
| Average total loans | $606,320,000 | 868 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8777% | 771 |
| Cost of funding earning assets | 0.3740% | 3,276 |
| Net interest margin | 4.5037% | 616 |
| Noninterest income to average assets | 1.0896% | 952 |
| Noninterest expense to average assets | 4.3348% | 436 |
| Loan and lease loss provision to assets | 0.3021% | 624 |
| Net operating income to assets | 0.3400% | 5,109 |
| Return on assets (ROA) | 0.5165% | 4,648 |
| Pretax return on assets | 0.6334% | 4,697 |
| Return on Equity (ROE) | 5.5599% | 4,174 |
| Retained earnings to average equity (ytd only) | 1.0269% | 4,913 |
| Net charge-offs to loans | 0.1483% | 1,780 |
| Credit loss provision to net charge-offs | 275.4209% | 1,053 |
| Earnings coverage of net charge-offs (x) | 6.5657% | 3,150 |
| Efficiency ratio | 85.3615% | 872 |
| Assets per employee ($millions) | 3.0562% | 5,307 |
| Cash dividends to net income (ytd only)* | 81.5300% | 851 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0536% | 3,988 |
| Loan loss allowance to noncurrent loans | 114.5559% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 2,271 |
| Noncurrent loans to loans | 0.9198% | 2,258 |
| Net loans and leases to total assets | 74.0131% | 1,848 |
| Net loans and leases to deposits | 82.3455% | 2,627 |
| Net loans and leases to core deposits | 87.1903% | 2,757 |
| Total domestic deposits to total assets | 89.8812% | 691 |
| Equity capital to assets | 9.1270% | 4,672 |
| Core capital (leverage) ratio | 8.7007% | 5,075 |
| Tier 1 risk-based capital ratio | 11.3987% | 5,116 |
| Total risk-based capital ratio | 12.4400% | 5,120 |
| Memoranda: |
| Average total assets | $812,332,800 | 894 |
| Average earning assets | $715,231,200 | 930 |
| Average equity | $75,468,400 | 1,052 |
| Average total loans | $600,740,600 | 834 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8204% | 860 |
| Cost of funding earning assets | 0.3793% | 3,234 |
| Net interest margin | 4.4411% | 717 |
| Noninterest income to average assets | 1.0949% | 945 |
| Noninterest expense to average assets | 3.9989% | 588 |
| Loan and lease loss provision to assets | 0.3716% | 411 |
| Net operating income to assets | 0.5194% | 4,623 |
| Return on assets (ROA) | 0.7419% | 3,768 |
| Pretax return on assets | 0.9726% | 3,727 |
| Return on Equity (ROE) | 7.9515% | 3,036 |
| Retained earnings to average equity (ytd only) | 3.4454% | 3,832 |
| Net charge-offs to loans | 0.1302% | 1,663 |
| Credit loss provision to net charge-offs | 387.0307% | 860 |
| Earnings coverage of net charge-offs (x) | 10.9506% | 2,537 |
| Efficiency ratio | 78.7911% | 1,583 |
| Assets per employee ($millions) | 3.1445% | 5,248 |
| Cash dividends to net income (ytd only)* | 56.6697% | 1,571 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0584% | 4,080 |
| Loan loss allowance to noncurrent loans | 111.8632% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 2,537 |
| Noncurrent loans to loans | 0.9461% | 2,352 |
| Net loans and leases to total assets | 72.6736% | 2,071 |
| Net loans and leases to deposits | 85.6927% | 2,293 |
| Net loans and leases to core deposits | 91.0168% | 2,477 |
| Total domestic deposits to total assets | 84.8073% | 2,892 |
| Equity capital to assets | 9.1781% | 4,995 |
| Core capital (leverage) ratio | 8.8299% | 5,025 |
| Tier 1 risk-based capital ratio | 11.2465% | 5,229 |
| Total risk-based capital ratio | 12.2760% | 5,267 |
| Memoranda: |
| Average total assets | $813,704,750 | 890 |
| Average earning assets | $724,734,000 | 915 |
| Average equity | $75,925,250 | 1,051 |
| Average total loans | $600,043,250 | 828 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8516% | 798 |
| Cost of funding earning assets | 0.3799% | 3,252 |
| Net interest margin | 4.4717% | 653 |
| Noninterest income to average assets | 1.1254% | 886 |
| Noninterest expense to average assets | 4.0576% | 556 |
| Loan and lease loss provision to assets | 0.5045% | 257 |
| Net operating income to assets | 0.4179% | 4,981 |
| Return on assets (ROA) | 0.7270% | 3,821 |
| Pretax return on assets | 0.9433% | 3,796 |
| Return on Equity (ROE) | 7.7476% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.2295% | 3,835 |
| Net charge-offs to loans | 0.1557% | 1,400 |
| Credit loss provision to net charge-offs | 438.7931% | 726 |
| Earnings coverage of net charge-offs (x) | 9.1013% | 2,452 |
| Efficiency ratio | 79.1106% | 1,620 |
| Assets per employee ($millions) | 3.0409% | 5,377 |
| Cash dividends to net income (ytd only)* | 58.3163% | 1,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0583% | 4,180 |
| Loan loss allowance to noncurrent loans | 121.2762% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 2,832 |
| Noncurrent loans to loans | 0.8727% | 2,558 |
| Net loans and leases to total assets | 74.4270% | 1,746 |
| Net loans and leases to deposits | 85.5274% | 2,303 |
| Net loans and leases to core deposits | 91.2114% | 2,416 |
| Total domestic deposits to total assets | 87.0213% | 1,904 |
| Equity capital to assets | 9.5145% | 4,758 |
| Core capital (leverage) ratio | 8.7379% | 5,125 |
| Tier 1 risk-based capital ratio | 11.4301% | 5,199 |
| Total risk-based capital ratio | 12.4697% | 5,218 |
| Memoranda: |
| Average total assets | $807,172,670 | 895 |
| Average earning assets | $718,157,000 | 928 |
| Average equity | $75,740,000 | 1,057 |
| Average total loans | $596,035,000 | 828 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7842% | 885 |
| Cost of funding earning assets | 0.3844% | 3,252 |
| Net interest margin | 4.3998% | 742 |
| Noninterest income to average assets | 1.1500% | 832 |
| Noninterest expense to average assets | 3.9749% | 622 |
| Loan and lease loss provision to assets | 0.1262% | 1,682 |
| Net operating income to assets | 0.7408% | 3,533 |
| Return on assets (ROA) | 0.7556% | 3,563 |
| Pretax return on assets | 0.9834% | 3,541 |
| Return on Equity (ROE) | 8.0715% | 2,874 |
| Retained earnings to average equity (ytd only) | 3.5698% | 3,709 |
| Net charge-offs to loans | 0.1652% | 1,146 |
| Credit loss provision to net charge-offs | 104.4898% | 1,569 |
| Earnings coverage of net charge-offs (x) | 9.0286% | 2,014 |
| Efficiency ratio | 78.0849% | 1,880 |
| Assets per employee ($millions) | 3.1555% | 5,337 |
| Cash dividends to net income (ytd only)* | 55.7730% | 1,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8008% | 5,359 |
| Loan loss allowance to noncurrent loans | 98.0820% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 3,169 |
| Noncurrent loans to loans | 0.8164% | 2,797 |
| Net loans and leases to total assets | 72.3036% | 1,986 |
| Net loans and leases to deposits | 84.4791% | 2,253 |
| Net loans and leases to core deposits | 89.9424% | 2,382 |
| Total domestic deposits to total assets | 85.5876% | 2,870 |
| Equity capital to assets | 9.2830% | 4,906 |
| Core capital (leverage) ratio | 8.7357% | 5,142 |
| Tier 1 risk-based capital ratio | 11.3493% | 5,311 |
| Total risk-based capital ratio | 12.1336% | 5,468 |
| Memoranda: |
| Average total assets | $811,495,500 | 895 |
| Average earning assets | $722,119,500 | 915 |
| Average equity | $75,971,000 | 1,049 |
| Average total loans | $593,249,500 | 830 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7996% | 930 |
| Cost of funding earning assets | 0.3735% | 3,442 |
| Net interest margin | 4.4261% | 752 |
| Noninterest income to average assets | 1.1244% | 934 |
| Noninterest expense to average assets | 4.0011% | 672 |
| Loan and lease loss provision to assets | 0.2607% | 719 |
| Net operating income to assets | 0.6471% | 4,050 |
| Return on assets (ROA) | 0.7000% | 3,916 |
| Pretax return on assets | 0.8753% | 3,935 |
| Return on Equity (ROE) | 7.4371% | 3,283 |
| Retained earnings to average equity (ytd only) | 3.7414% | 3,386 |
| Net charge-offs to loans | 0.4864% | 549 |
| Credit loss provision to net charge-offs | 76.9058% | 3,007 |
| Earnings coverage of net charge-offs (x) | 3.1562% | 3,762 |
| Efficiency ratio | 78.5002% | 1,887 |
| Assets per employee ($millions) | 2.9717% | 5,546 |
| Cash dividends to net income (ytd only)* | 49.6924% | 2,314 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8181% | 5,362 |
| Loan loss allowance to noncurrent loans | 112.9534% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 3,394 |
| Noncurrent loans to loans | 0.7243% | 3,011 |
| Net loans and leases to total assets | 72.7308% | 1,933 |
| Net loans and leases to deposits | 83.2182% | 2,453 |
| Net loans and leases to core deposits | 89.1913% | 2,477 |
| Total domestic deposits to total assets | 87.3978% | 1,928 |
| Equity capital to assets | 9.4431% | 4,622 |
| Core capital (leverage) ratio | 8.6956% | 5,222 |
| Tier 1 risk-based capital ratio | 11.5354% | 5,228 |
| Total risk-based capital ratio | 12.3386% | 5,378 |
| Memoranda: |
| Average total assets | $789,459,000 | 876 |
| Average earning assets | $703,914,200 | 912 |
| Average equity | $74,302,800 | 1,028 |
| Average total loans | $550,140,600 | 852 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7626% | 999 |
| Cost of funding earning assets | 0.3723% | 3,519 |
| Net interest margin | 4.3903% | 815 |
| Noninterest income to average assets | 1.1243% | 952 |
| Noninterest expense to average assets | 3.9880% | 678 |
| Loan and lease loss provision to assets | 0.2882% | 533 |
| Net operating income to assets | 0.6188% | 4,295 |
| Return on assets (ROA) | 0.6904% | 4,058 |
| Pretax return on assets | 0.8547% | 4,157 |
| Return on Equity (ROE) | 7.3415% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.9347% | 3,665 |
| Net charge-offs to loans | 0.5771% | 394 |
| Credit loss provision to net charge-offs | 72.6302% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.6576% | 3,625 |
| Efficiency ratio | 78.6849% | 1,861 |
| Assets per employee ($millions) | 3.0092% | 5,533 |
| Cash dividends to net income (ytd only)* | 46.4049% | 2,031 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8311% | 5,437 |
| Loan loss allowance to noncurrent loans | 116.3012% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 3,761 |
| Noncurrent loans to loans | 0.7146% | 3,193 |
| Net loans and leases to total assets | 70.6198% | 2,296 |
| Net loans and leases to deposits | 83.2397% | 2,496 |
| Net loans and leases to core deposits | 89.4413% | 2,520 |
| Total domestic deposits to total assets | 84.8391% | 3,081 |
| Equity capital to assets | 9.3117% | 4,993 |
| Core capital (leverage) ratio | 8.6443% | 5,416 |
| Tier 1 risk-based capital ratio | 11.5302% | 5,353 |
| Total risk-based capital ratio | 12.3361% | 5,507 |
| Memoranda: |
| Average total assets | $786,974,500 | 882 |
| Average earning assets | $702,348,000 | 912 |
| Average equity | $74,006,500 | 1,038 |
| Average total loans | $541,124,750 | 875 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7188% | 1,031 |
| Cost of funding earning assets | 0.3733% | 3,567 |
| Net interest margin | 4.3455% | 845 |
| Noninterest income to average assets | 1.1398% | 925 |
| Noninterest expense to average assets | 4.0160% | 663 |
| Loan and lease loss provision to assets | 0.2583% | 654 |
| Net operating income to assets | 0.6030% | 4,333 |
| Return on assets (ROA) | 0.7114% | 3,963 |
| Pretax return on assets | 0.8766% | 4,045 |
| Return on Equity (ROE) | 7.5390% | 3,302 |
| Retained earnings to average equity (ytd only) | 3.9786% | 3,484 |
| Net charge-offs to loans | 0.4022% | 647 |
| Credit loss provision to net charge-offs | 94.5591% | 2,149 |
| Earnings coverage of net charge-offs (x) | 3.6651% | 3,159 |
| Efficiency ratio | 79.6363% | 1,808 |
| Assets per employee ($millions) | 2.9475% | 5,656 |
| Cash dividends to net income (ytd only)* | 47.2262% | 2,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9517% | 5,090 |
| Loan loss allowance to noncurrent loans | 105.0402% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 3,440 |
| Noncurrent loans to loans | 0.9060% | 2,856 |
| Net loans and leases to total assets | 70.5683% | 2,230 |
| Net loans and leases to deposits | 80.9870% | 2,668 |
| Net loans and leases to core deposits | 87.1566% | 2,644 |
| Total domestic deposits to total assets | 87.1353% | 2,090 |
| Equity capital to assets | 9.3735% | 4,818 |
| Core capital (leverage) ratio | 8.7698% | 5,260 |
| Tier 1 risk-based capital ratio | 11.7388% | 5,313 |
| Total risk-based capital ratio | 12.6700% | 5,440 |
| Memoranda: |
| Average total assets | $780,476,330 | 894 |
| Average earning assets | $696,404,670 | 922 |
| Average equity | $73,643,330 | 1,045 |
| Average total loans | $530,066,330 | 896 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6395% | 1,147 |
| Cost of funding earning assets | 0.3750% | 3,590 |
| Net interest margin | 4.2645% | 953 |
| Noninterest income to average assets | 1.1560% | 856 |
| Noninterest expense to average assets | 4.0307% | 662 |
| Loan and lease loss provision to assets | 0.2217% | 794 |
| Net operating income to assets | 0.5707% | 4,400 |
| Return on assets (ROA) | 0.7291% | 3,784 |
| Pretax return on assets | 0.9075% | 3,861 |
| Return on Equity (ROE) | 7.7012% | 3,122 |
| Retained earnings to average equity (ytd only) | 3.0445% | 4,155 |
| Net charge-offs to loans | 0.7483% | 312 |
| Credit loss provision to net charge-offs | 44.7451% | 2,149 |
| Earnings coverage of net charge-offs (x) | 1.8793% | 2,855 |
| Efficiency ratio | 80.8168% | 1,783 |
| Assets per employee ($millions) | 2.8439% | 5,834 |
| Cash dividends to net income (ytd only)* | 60.4668% | 1,412 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9261% | 5,344 |
| Loan loss allowance to noncurrent loans | 101.6656% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 3,588 |
| Noncurrent loans to loans | 0.9109% | 2,965 |
| Net loans and leases to total assets | 67.5341% | 2,523 |
| Net loans and leases to deposits | 75.5619% | 3,110 |
| Net loans and leases to core deposits | 81.5955% | 2,997 |
| Total domestic deposits to total assets | 89.3759% | 1,058 |
| Equity capital to assets | 9.5508% | 4,691 |
| Core capital (leverage) ratio | 8.7926% | 5,213 |
| Tier 1 risk-based capital ratio | 12.7751% | 4,744 |
| Total risk-based capital ratio | 13.7117% | 4,850 |
| Memoranda: |
| Average total assets | $775,751,500 | 903 |
| Average earning assets | $692,323,000 | 925 |
| Average equity | $73,443,000 | 1,051 |
| Average total loans | $513,703,000 | 914 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5876% | 1,597 |
| Cost of funding earning assets | 0.3986% | 3,704 |
| Net interest margin | 4.1890% | 1,336 |
| Noninterest income to average assets | 1.1138% | 984 |
| Noninterest expense to average assets | 3.8121% | 974 |
| Loan and lease loss provision to assets | 0.1186% | 2,195 |
| Net operating income to assets | 0.7542% | 3,610 |
| Return on assets (ROA) | 0.9253% | 2,841 |
| Pretax return on assets | 1.1370% | 2,943 |
| Return on Equity (ROE) | 9.8312% | 2,186 |
| Retained earnings to average equity (ytd only) | 4.7439% | 2,800 |
| Net charge-offs to loans | 0.0957% | 3,136 |
| Credit loss provision to net charge-offs | 208.4112% | 1,189 |
| Earnings coverage of net charge-offs (x) | 18.3505% | 1,853 |
| Efficiency ratio | 78.0555% | 2,202 |
| Assets per employee ($millions) | 2.7784% | 5,952 |
| Cash dividends to net income (ytd only)* | 51.7459% | 2,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0825% | 4,630 |
| Loan loss allowance to noncurrent loans | 154.6857% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 4,203 |
| Noncurrent loans to loans | 0.6998% | 3,584 |
| Net loans and leases to total assets | 63.5899% | 3,278 |
| Net loans and leases to deposits | 71.0260% | 3,784 |
| Net loans and leases to core deposits | 77.0268% | 3,609 |
| Total domestic deposits to total assets | 89.5304% | 958 |
| Equity capital to assets | 9.3843% | 4,865 |
| Core capital (leverage) ratio | 8.7297% | 5,322 |
| Tier 1 risk-based capital ratio | 12.9218% | 4,777 |
| Total risk-based capital ratio | 13.9856% | 4,807 |
| Memoranda: |
| Average total assets | $752,081,600 | 900 |
| Average earning assets | $671,926,600 | 917 |
| Average equity | $70,785,000 | 1,038 |
| Average total loans | $447,209,600 | 986 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5501% | 1,706 |
| Cost of funding earning assets | 0.3988% | 3,802 |
| Net interest margin | 4.1514% | 1,426 |
| Noninterest income to average assets | 1.1160% | 978 |
| Noninterest expense to average assets | 3.7361% | 1,070 |
| Loan and lease loss provision to assets | 0.1128% | 2,162 |
| Net operating income to assets | 0.8243% | 3,316 |
| Return on assets (ROA) | 0.8607% | 3,211 |
| Pretax return on assets | 1.0182% | 3,528 |
| Return on Equity (ROE) | 9.1374% | 2,608 |
| Retained earnings to average equity (ytd only) | 3.9242% | 3,851 |
| Net charge-offs to loans | 0.0553% | 3,428 |
| Credit loss provision to net charge-offs | 350.5556% | 801 |
| Earnings coverage of net charge-offs (x) | 33.8117% | 1,268 |
| Efficiency ratio | 76.9969% | 2,355 |
| Assets per employee ($millions) | 2.7103% | 6,074 |
| Cash dividends to net income (ytd only)* | 57.0538% | 1,513 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1564% | 4,470 |
| Loan loss allowance to noncurrent loans | 140.7243% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 4,246 |
| Noncurrent loans to loans | 0.8218% | 3,519 |
| Net loans and leases to total assets | 61.4898% | 3,562 |
| Net loans and leases to deposits | 68.9055% | 4,027 |
| Net loans and leases to core deposits | 74.9333% | 3,853 |
| Total domestic deposits to total assets | 89.2378% | 1,106 |
| Equity capital to assets | 9.5848% | 4,685 |
| Core capital (leverage) ratio | 8.7170% | 5,416 |
| Tier 1 risk-based capital ratio | 13.2325% | 4,707 |
| Total risk-based capital ratio | 14.3410% | 4,733 |
| Memoranda: |
| Average total assets | $745,612,250 | 916 |
| Average earning assets | $666,043,000 | 929 |
| Average equity | $70,229,750 | 1,049 |
| Average total loans | $433,982,750 | 1,019 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4857% | 1,877 |
| Cost of funding earning assets | 0.3933% | 3,940 |
| Net interest margin | 4.0923% | 1,538 |
| Noninterest income to average assets | 1.1340% | 916 |
| Noninterest expense to average assets | 3.6346% | 1,234 |
| Loan and lease loss provision to assets | 0.1092% | 2,197 |
| Net operating income to assets | 0.8884% | 2,866 |
| Return on assets (ROA) | 0.8888% | 2,959 |
| Pretax return on assets | 1.0550% | 3,262 |
| Return on Equity (ROE) | 9.4927% | 2,374 |
| Retained earnings to average equity (ytd only) | 4.0630% | 3,583 |
| Net charge-offs to loans | 0.0430% | 3,366 |
| Credit loss provision to net charge-offs | 446.1538% | 637 |
| Earnings coverage of net charge-offs (x) | 47.5604% | 943 |
| Efficiency ratio | 75.3012% | 2,761 |
| Assets per employee ($millions) | 2.7246% | 6,105 |
| Cash dividends to net income (ytd only)* | 57.1990% | 1,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2093% | 4,384 |
| Loan loss allowance to noncurrent loans | 137.3142% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 4,404 |
| Noncurrent loans to loans | 0.8806% | 3,498 |
| Net loans and leases to total assets | 57.2097% | 4,085 |
| Net loans and leases to deposits | 64.3824% | 4,461 |
| Net loans and leases to core deposits | 69.8170% | 4,287 |
| Total domestic deposits to total assets | 88.8593% | 1,438 |
| Equity capital to assets | 9.5101% | 4,735 |
| Core capital (leverage) ratio | 8.6608% | 5,456 |
| Tier 1 risk-based capital ratio | 14.0216% | 4,250 |
| Total risk-based capital ratio | 15.1783% | 4,249 |
| Memoranda: |
| Average total assets | $743,896,670 | 916 |
| Average earning assets | $666,074,000 | 932 |
| Average equity | $69,653,330 | 1,048 |
| Average total loans | $422,963,330 | 1,034 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4101% | 2,101 |
| Cost of funding earning assets | 0.3863% | 4,129 |
| Net interest margin | 4.0238% | 1,669 |
| Noninterest income to average assets | 1.0991% | 923 |
| Noninterest expense to average assets | 3.5856% | 1,332 |
| Loan and lease loss provision to assets | 0.1546% | 1,569 |
| Net operating income to assets | 0.8246% | 3,033 |
| Return on assets (ROA) | 0.8256% | 3,098 |
| Pretax return on assets | 0.9645% | 3,462 |
| Return on Equity (ROE) | 8.8879% | 2,518 |
| Retained earnings to average equity (ytd only) | 3.9870% | 3,723 |
| Net charge-offs to loans | -0.0067% | 4,901 |
| Credit loss provision to net charge-offs | -4,085.7143% | 5,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7701% | 2,839 |
| Assets per employee ($millions) | 2.8389% | 6,058 |
| Cash dividends to net income (ytd only)* | 55.1408% | 1,545 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2323% | 4,470 |
| Loan loss allowance to noncurrent loans | 104.6089% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 4,092 |
| Noncurrent loans to loans | 1.1780% | 3,081 |
| Net loans and leases to total assets | 56.0717% | 4,138 |
| Net loans and leases to deposits | 62.6211% | 4,478 |
| Net loans and leases to core deposits | 67.4373% | 4,362 |
| Total domestic deposits to total assets | 89.5413% | 1,350 |
| Equity capital to assets | 9.2804% | 4,779 |
| Core capital (leverage) ratio | 8.7498% | 5,323 |
| Tier 1 risk-based capital ratio | 14.0592% | 4,292 |
| Total risk-based capital ratio | 15.2275% | 4,289 |
| Memoranda: |
| Average total assets | $739,851,000 | 922 |
| Average earning assets | $662,749,500 | 938 |
| Average equity | $68,722,500 | 1,063 |
| Average total loans | $416,707,000 | 1,053 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7598% | 1,409 |
| Cost of funding earning assets | 0.4387% | 4,233 |
| Net interest margin | 4.3211% | 1,053 |
| Noninterest income to average assets | 1.1614% | 1,044 |
| Noninterest expense to average assets | 3.8445% | 1,064 |
| Loan and lease loss provision to assets | 0.0564% | 4,019 |
| Net operating income to assets | 0.9277% | 2,652 |
| Return on assets (ROA) | 0.9283% | 2,729 |
| Pretax return on assets | 1.1457% | 2,783 |
| Return on Equity (ROE) | 10.0974% | 2,074 |
| Retained earnings to average equity (ytd only) | 8.1343% | 1,013 |
| Net charge-offs to loans | 0.0173% | 5,100 |
| Credit loss provision to net charge-offs | 582.0896% | 406 |
| Earnings coverage of net charge-offs (x) | 123.8955% | 379 |
| Efficiency ratio | 75.7292% | 2,820 |
| Assets per employee ($millions) | 2.7556% | 6,160 |
| Cash dividends to net income (ytd only)* | 19.4418% | 3,739 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2134% | 4,591 |
| Loan loss allowance to noncurrent loans | 165.2755% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 5,001 |
| Noncurrent loans to loans | 0.7342% | 4,120 |
| Net loans and leases to total assets | 55.1852% | 4,434 |
| Net loans and leases to deposits | 61.5670% | 4,769 |
| Net loans and leases to core deposits | 66.4737% | 4,659 |
| Total domestic deposits to total assets | 89.6345% | 1,253 |
| Equity capital to assets | 9.2973% | 4,696 |
| Core capital (leverage) ratio | 8.7875% | 5,303 |
| Tier 1 risk-based capital ratio | 14.4999% | 3,956 |
| Total risk-based capital ratio | 15.6500% | 3,961 |
| Memoranda: |
| Average total assets | $690,959,400 | 958 |
| Average earning assets | $621,142,600 | 980 |
| Average equity | $63,521,200 | 1,127 |
| Average total loans | $386,968,400 | 1,102 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8058% | 1,335 |
| Cost of funding earning assets | 0.4566% | 4,194 |
| Net interest margin | 4.3492% | 986 |
| Noninterest income to average assets | 1.1784% | 1,056 |
| Noninterest expense to average assets | 3.9717% | 885 |
| Loan and lease loss provision to assets | 0.0192% | 4,627 |
| Net operating income to assets | 0.8961% | 2,851 |
| Return on assets (ROA) | 0.8959% | 2,969 |
| Pretax return on assets | 1.0973% | 3,127 |
| Return on Equity (ROE) | 9.7752% | 2,273 |
| Retained earnings to average equity (ytd only) | 8.9102% | 1,082 |
| Net charge-offs to loans | -0.0073% | 5,834 |
| Credit loss provision to net charge-offs | -466.6667% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5918% | 2,470 |
| Assets per employee ($millions) | 2.7391% | 6,228 |
| Cash dividends to net income (ytd only)* | 8.8487% | 3,511 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1688% | 5,029 |
| Loan loss allowance to noncurrent loans | 225.1423% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 5,460 |
| Noncurrent loans to loans | 0.5191% | 4,896 |
| Net loans and leases to total assets | 55.4984% | 4,394 |
| Net loans and leases to deposits | 62.0659% | 4,757 |
| Net loans and leases to core deposits | 66.9289% | 4,631 |
| Total domestic deposits to total assets | 89.4184% | 1,344 |
| Equity capital to assets | 9.3782% | 4,704 |
| Core capital (leverage) ratio | 8.8177% | 5,391 |
| Tier 1 risk-based capital ratio | 14.4855% | 4,077 |
| Total risk-based capital ratio | 15.5983% | 4,132 |
| Memoranda: |
| Average total assets | $681,140,000 | 984 |
| Average earning assets | $612,356,250 | 1,003 |
| Average equity | $62,428,500 | 1,163 |
| Average total loans | $381,727,250 | 1,121 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8645% | 1,181 |
| Cost of funding earning assets | 0.4735% | 4,165 |
| Net interest margin | 4.3910% | 864 |
| Noninterest income to average assets | 1.1767% | 1,095 |
| Noninterest expense to average assets | 4.0936% | 778 |
| Loan and lease loss provision to assets | -0.0719% | 6,676 |
| Net operating income to assets | 0.9018% | 2,785 |
| Return on assets (ROA) | 0.8991% | 2,949 |
| Pretax return on assets | 1.1020% | 3,089 |
| Return on Equity (ROE) | 9.8924% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.8924% | 874 |
| Net charge-offs to loans | -0.0626% | 6,345 |
| Credit loss provision to net charge-offs | 205.1282% | 1,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3767% | 2,243 |
| Assets per employee ($millions) | 2.7107% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1145% | 5,380 |
| Loan loss allowance to noncurrent loans | 196.4239% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 5,449 |
| Noncurrent loans to loans | 0.5674% | 4,841 |
| Net loans and leases to total assets | 56.2674% | 4,237 |
| Net loans and leases to deposits | 63.0255% | 4,621 |
| Net loans and leases to core deposits | 67.8791% | 4,512 |
| Total domestic deposits to total assets | 89.2772% | 1,464 |
| Equity capital to assets | 9.3949% | 4,726 |
| Core capital (leverage) ratio | 8.5408% | 5,621 |
| Tier 1 risk-based capital ratio | 14.4193% | 4,148 |
| Total risk-based capital ratio | 15.4909% | 4,221 |
| Memoranda: |
| Average total assets | $667,141,670 | 1,000 |
| Average earning assets | $600,187,330 | 1,028 |
| Average equity | $60,632,330 | 1,200 |
| Average total loans | $373,611,670 | 1,140 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8577% | 1,185 |
| Cost of funding earning assets | 0.4896% | 4,179 |
| Net interest margin | 4.3681% | 850 |
| Noninterest income to average assets | 1.1710% | 1,095 |
| Noninterest expense to average assets | 4.2855% | 636 |
| Loan and lease loss provision to assets | 0.0737% | 3,401 |
| Net operating income to assets | 0.6560% | 3,924 |
| Return on assets (ROA) | 0.6462% | 4,140 |
| Pretax return on assets | 0.7360% | 4,423 |
| Return on Equity (ROE) | 7.2446% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.2446% | 2,051 |
| Net charge-offs to loans | 0.0859% | 2,978 |
| Credit loss provision to net charge-offs | 154.5455% | 1,336 |
| Earnings coverage of net charge-offs (x) | 17.2078% | 1,332 |
| Efficiency ratio | 83.4385% | 1,840 |
| Assets per employee ($millions) | 2.8330% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1974% | 5,193 |
| Loan loss allowance to noncurrent loans | 186.5362% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 5,452 |
| Noncurrent loans to loans | 0.6419% | 4,840 |
| Net loans and leases to total assets | 53.3274% | 4,513 |
| Net loans and leases to deposits | 59.8864% | 4,803 |
| Net loans and leases to core deposits | 64.0095% | 4,739 |
| Total domestic deposits to total assets | 89.0476% | 1,653 |
| Equity capital to assets | 9.4580% | 4,908 |
| Core capital (leverage) ratio | 8.4053% | 5,701 |
| Tier 1 risk-based capital ratio | 14.4852% | 4,189 |
| Total risk-based capital ratio | 15.6384% | 4,214 |
| Memoranda: |
| Average total assets | $645,614,500 | 1,053 |
| Average earning assets | $581,669,500 | 1,066 |
| Average equity | $57,587,500 | 1,267 |
| Average total loans | $358,361,000 | 1,192 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8975% | 1,848 |
| Cost of funding earning assets | 0.5050% | 5,181 |
| Net interest margin | 4.3925% | 1,172 |
| Noninterest income to average assets | 1.2413% | 1,015 |
| Noninterest expense to average assets | 3.6971% | 1,421 |
| Loan and lease loss provision to assets | 0.0854% | 4,636 |
| Net operating income to assets | 1.1361% | 1,817 |
| Return on assets (ROA) | 1.1388% | 1,978 |
| Pretax return on assets | 1.4015% | 2,035 |
| Return on Equity (ROE) | 10.3644% | 2,017 |
| Retained earnings to average equity (ytd only) | -28.9335% | 6,930 |
| Net charge-offs to loans | 0.0938% | 4,734 |
| Credit loss provision to net charge-offs | 164.4828% | 1,630 |
| Earnings coverage of net charge-offs (x) | 28.5655% | 1,040 |
| Efficiency ratio | 71.3634% | 3,548 |
| Assets per employee ($millions) | 2.6580% | 6,468 |
| Cash dividends to net income (ytd only)* | 379.1634% | 52 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4158% | 4,095 |
| Loan loss allowance to noncurrent loans | 159.7721% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 5,059 |
| Noncurrent loans to loans | 0.8862% | 4,404 |
| Net loans and leases to total assets | 56.6409% | 4,178 |
| Net loans and leases to deposits | 62.8422% | 4,677 |
| Net loans and leases to core deposits | 67.7851% | 4,563 |
| Total domestic deposits to total assets | 90.1319% | 883 |
| Equity capital to assets | 8.2362% | 6,251 |
| Core capital (leverage) ratio | 7.0149% | 6,698 |
| Tier 1 risk-based capital ratio | 11.0683% | 6,322 |
| Total risk-based capital ratio | 12.3219% | 6,284 |
| Memoranda: |
| Average total assets | $558,384,400 | 1,194 |
| Average earning assets | $500,783,600 | 1,215 |
| Average equity | $61,354,400 | 1,162 |
| Average total loans | $309,222,800 | 1,359 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8773% | 2,097 |
| Cost of funding earning assets | 0.5119% | 5,357 |
| Net interest margin | 4.3654% | 1,305 |
| Noninterest income to average assets | 1.2324% | 982 |
| Noninterest expense to average assets | 3.5850% | 1,580 |
| Loan and lease loss provision to assets | 0.0784% | 4,658 |
| Net operating income to assets | 1.1985% | 1,746 |
| Return on assets (ROA) | 1.2016% | 1,901 |
| Pretax return on assets | 1.4888% | 1,925 |
| Return on Equity (ROE) | 10.2776% | 2,220 |
| Retained earnings to average equity (ytd only) | 3.6892% | 4,291 |
| Net charge-offs to loans | 0.0927% | 4,448 |
| Credit loss provision to net charge-offs | 154.2453% | 1,827 |
| Earnings coverage of net charge-offs (x) | 30.7405% | 1,075 |
| Efficiency ratio | 69.6333% | 3,762 |
| Assets per employee ($millions) | 2.7294% | 6,455 |
| Cash dividends to net income (ytd only)* | 64.1047% | 1,120 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3937% | 4,401 |
| Loan loss allowance to noncurrent loans | 177.0307% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 5,366 |
| Noncurrent loans to loans | 0.7873% | 4,831 |
| Net loans and leases to total assets | 57.5977% | 4,192 |
| Net loans and leases to deposits | 67.4041% | 4,273 |
| Net loans and leases to core deposits | 73.1464% | 4,093 |
| Total domestic deposits to total assets | 85.4514% | 3,542 |
| Equity capital to assets | 11.9107% | 2,343 |
| Core capital (leverage) ratio | 10.7070% | 2,693 |
| Tier 1 risk-based capital ratio | 16.5959% | 2,943 |
| Total risk-based capital ratio | 17.8465% | 2,919 |
| Memoranda: |
| Average total assets | $555,779,750 | 1,213 |
| Average earning assets | $498,570,000 | 1,232 |
| Average equity | $64,981,000 | 1,095 |
| Average total loans | $304,828,000 | 1,388 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7811% | 2,579 |
| Cost of funding earning assets | 0.5161% | 5,513 |
| Net interest margin | 4.2650% | 1,566 |
| Noninterest income to average assets | 1.2100% | 977 |
| Noninterest expense to average assets | 3.5006% | 1,785 |
| Loan and lease loss provision to assets | 0.0649% | 4,829 |
| Net operating income to assets | 1.1884% | 1,754 |
| Return on assets (ROA) | 1.1931% | 1,937 |
| Pretax return on assets | 1.4773% | 1,934 |
| Return on Equity (ROE) | 10.2690% | 2,256 |
| Retained earnings to average equity (ytd only) | 2.8187% | 4,749 |
| Net charge-offs to loans | 0.0699% | 4,451 |
| Credit loss provision to net charge-offs | 173.0769% | 1,622 |
| Earnings coverage of net charge-offs (x) | 40.9615% | 855 |
| Efficiency ratio | 69.4974% | 3,849 |
| Assets per employee ($millions) | 2.7066% | 6,524 |
| Cash dividends to net income (ytd only)* | 72.5514% | 1,005 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4097% | 4,422 |
| Loan loss allowance to noncurrent loans | 178.0757% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 5,497 |
| Noncurrent loans to loans | 0.7916% | 4,929 |
| Net loans and leases to total assets | 56.3724% | 4,410 |
| Net loans and leases to deposits | 66.2410% | 4,481 |
| Net loans and leases to core deposits | 71.9443% | 4,301 |
| Total domestic deposits to total assets | 85.1020% | 3,811 |
| Equity capital to assets | 11.6432% | 2,457 |
| Core capital (leverage) ratio | 10.5981% | 2,714 |
| Tier 1 risk-based capital ratio | 16.6571% | 2,828 |
| Total risk-based capital ratio | 17.9079% | 2,777 |
| Memoranda: |
| Average total assets | $554,531,670 | 1,222 |
| Average earning assets | $497,584,330 | 1,238 |
| Average equity | $64,427,000 | 1,095 |
| Average total loans | $297,494,670 | 1,430 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7853% | 2,689 |
| Cost of funding earning assets | 0.5251% | 5,641 |
| Net interest margin | 4.2603% | 1,591 |
| Noninterest income to average assets | 1.1717% | 1,042 |
| Noninterest expense to average assets | 3.3933% | 2,025 |
| Loan and lease loss provision to assets | 0.0544% | 4,726 |
| Net operating income to assets | 1.2428% | 1,625 |
| Return on assets (ROA) | 1.2515% | 1,770 |
| Pretax return on assets | 1.5589% | 1,712 |
| Return on Equity (ROE) | 10.7834% | 2,113 |
| Retained earnings to average equity (ytd only) | 3.2862% | 4,597 |
| Net charge-offs to loans | 0.0615% | 3,879 |
| Credit loss provision to net charge-offs | 170.4545% | 1,497 |
| Earnings coverage of net charge-offs (x) | 50.2273% | 631 |
| Efficiency ratio | 67.9245% | 4,189 |
| Assets per employee ($millions) | 2.7933% | 6,507 |
| Cash dividends to net income (ytd only)* | 69.5249% | 992 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5192% | 4,068 |
| Loan loss allowance to noncurrent loans | 158.0064% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 5,521 |
| Noncurrent loans to loans | 0.9615% | 4,753 |
| Net loans and leases to total assets | 52.1266% | 5,005 |
| Net loans and leases to deposits | 60.2001% | 5,121 |
| Net loans and leases to core deposits | 65.8008% | 4,936 |
| Total domestic deposits to total assets | 86.5889% | 3,180 |
| Equity capital to assets | 11.5567% | 2,390 |
| Core capital (leverage) ratio | 10.7803% | 2,462 |
| Tier 1 risk-based capital ratio | 17.7592% | 2,378 |
| Total risk-based capital ratio | 19.0108% | 2,356 |
| Memoranda: |
| Average total assets | $551,668,500 | 1,235 |
| Average earning assets | $495,180,000 | 1,245 |
| Average equity | $64,024,500 | 1,101 |
| Average total loans | $286,068,500 | 1,483 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9111% | 3,303 |
| Cost of funding earning assets | 0.7127% | 5,453 |
| Net interest margin | 4.1984% | 2,063 |
| Noninterest income to average assets | 1.2956% | 765 |
| Noninterest expense to average assets | 3.4535% | 2,110 |
| Loan and lease loss provision to assets | 0.0837% | 5,564 |
| Net operating income to assets | 1.2197% | 1,464 |
| Return on assets (ROA) | 1.2279% | 1,542 |
| Pretax return on assets | 1.5321% | 1,387 |
| Return on Equity (ROE) | 10.8054% | 1,760 |
| Retained earnings to average equity (ytd only) | 3.6062% | 3,647 |
| Net charge-offs to loans | 0.1193% | 5,188 |
| Credit loss provision to net charge-offs | 133.1361% | 2,283 |
| Earnings coverage of net charge-offs (x) | 25.5473% | 970 |
| Efficiency ratio | 68.2642% | 4,302 |
| Assets per employee ($millions) | 2.6969% | 6,613 |
| Cash dividends to net income (ytd only)* | 66.6263% | 1,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5976% | 3,597 |
| Loan loss allowance to noncurrent loans | 173.7089% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 5,729 |
| Noncurrent loans to loans | 0.9197% | 4,855 |
| Net loans and leases to total assets | 49.9521% | 5,587 |
| Net loans and leases to deposits | 57.5004% | 5,756 |
| Net loans and leases to core deposits | 63.3712% | 5,529 |
| Total domestic deposits to total assets | 86.8725% | 2,832 |
| Equity capital to assets | 11.6553% | 2,381 |
| Core capital (leverage) ratio | 10.7335% | 2,495 |
| Tier 1 risk-based capital ratio | 18.4979% | 2,045 |
| Total risk-based capital ratio | 19.7506% | 2,015 |
| Memoranda: |
| Average total assets | $537,833,800 | 1,239 |
| Average earning assets | $482,114,000 | 1,270 |
| Average equity | $61,117,800 | 1,106 |
| Average total loans | $283,291,800 | 1,504 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9327% | 3,414 |
| Cost of funding earning assets | 0.7564% | 5,426 |
| Net interest margin | 4.1763% | 2,187 |
| Noninterest income to average assets | 1.3190% | 752 |
| Noninterest expense to average assets | 3.4708% | 2,014 |
| Loan and lease loss provision to assets | 0.1121% | 5,027 |
| Net operating income to assets | 1.1863% | 1,689 |
| Return on assets (ROA) | 1.1950% | 1,780 |
| Pretax return on assets | 1.4894% | 1,681 |
| Return on Equity (ROE) | 10.5857% | 2,001 |
| Retained earnings to average equity (ytd only) | 3.5271% | 4,230 |
| Net charge-offs to loans | 0.1176% | 4,848 |
| Credit loss provision to net charge-offs | 179.2829% | 1,662 |
| Earnings coverage of net charge-offs (x) | 25.4461% | 1,045 |
| Efficiency ratio | 68.5756% | 4,202 |
| Assets per employee ($millions) | 2.6916% | 6,657 |
| Cash dividends to net income (ytd only)* | 66.6805% | 978 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6025% | 3,656 |
| Loan loss allowance to noncurrent loans | 215.3663% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 6,015 |
| Noncurrent loans to loans | 0.7441% | 5,390 |
| Net loans and leases to total assets | 51.3811% | 5,528 |
| Net loans and leases to deposits | 59.0780% | 5,738 |
| Net loans and leases to core deposits | 66.4790% | 5,365 |
| Total domestic deposits to total assets | 86.9717% | 2,678 |
| Equity capital to assets | 11.5821% | 2,610 |
| Core capital (leverage) ratio | 10.6227% | 2,734 |
| Tier 1 risk-based capital ratio | 17.9832% | 2,261 |
| Total risk-based capital ratio | 19.2357% | 2,222 |
| Memoranda: |
| Average total assets | $535,425,000 | 1,244 |
| Average earning assets | $479,777,000 | 1,276 |
| Average equity | $60,445,000 | 1,119 |
| Average total loans | $284,636,750 | 1,514 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9157% | 3,549 |
| Cost of funding earning assets | 0.7832% | 5,489 |
| Net interest margin | 4.1326% | 2,299 |
| Noninterest income to average assets | 1.3633% | 683 |
| Noninterest expense to average assets | 3.4639% | 2,081 |
| Loan and lease loss provision to assets | 0.1125% | 4,888 |
| Net operating income to assets | 1.1841% | 1,619 |
| Return on assets (ROA) | 1.1939% | 1,677 |
| Pretax return on assets | 1.5038% | 1,520 |
| Return on Equity (ROE) | 10.6688% | 1,909 |
| Retained earnings to average equity (ytd only) | 3.6344% | 3,918 |
| Net charge-offs to loans | 0.1325% | 4,419 |
| Credit loss provision to net charge-offs | 158.7302% | 1,916 |
| Earnings coverage of net charge-offs (x) | 22.6402% | 1,113 |
| Efficiency ratio | 68.3506% | 4,453 |
| Assets per employee ($millions) | 2.6992% | 6,642 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,153 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5753% | 3,802 |
| Loan loss allowance to noncurrent loans | 176.2604% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 5,591 |
| Noncurrent loans to loans | 0.8937% | 5,182 |
| Net loans and leases to total assets | 51.6464% | 5,613 |
| Net loans and leases to deposits | 59.2365% | 5,801 |
| Net loans and leases to core deposits | 66.6294% | 5,431 |
| Total domestic deposits to total assets | 87.1868% | 2,632 |
| Equity capital to assets | 11.4180% | 2,581 |
| Core capital (leverage) ratio | 10.5836% | 2,628 |
| Tier 1 risk-based capital ratio | 17.8693% | 2,218 |
| Total risk-based capital ratio | 19.1215% | 2,168 |
| Memoranda: |
| Average total assets | $533,564,000 | 1,252 |
| Average earning assets | $478,299,670 | 1,285 |
| Average equity | $59,706,670 | 1,121 |
| Average total loans | $285,348,000 | 1,524 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9450% | 3,351 |
| Cost of funding earning assets | 0.8249% | 5,432 |
| Net interest margin | 4.1201% | 2,189 |
| Noninterest income to average assets | 1.3020% | 753 |
| Noninterest expense to average assets | 3.5571% | 1,857 |
| Loan and lease loss provision to assets | 0.1128% | 4,607 |
| Net operating income to assets | 1.1056% | 1,824 |
| Return on assets (ROA) | 1.1163% | 1,834 |
| Pretax return on assets | 1.3419% | 1,906 |
| Return on Equity (ROE) | 10.0790% | 2,068 |
| Retained earnings to average equity (ytd only) | 3.2872% | 4,213 |
| Net charge-offs to loans | 0.1240% | 3,783 |
| Credit loss provision to net charge-offs | 168.5393% | 1,712 |
| Earnings coverage of net charge-offs (x) | 21.5393% | 1,078 |
| Efficiency ratio | 71.1556% | 4,021 |
| Assets per employee ($millions) | 2.6365% | 6,789 |
| Cash dividends to net income (ytd only)* | 67.3854% | 1,074 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5298% | 4,053 |
| Loan loss allowance to noncurrent loans | 177.0161% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 5,629 |
| Noncurrent loans to loans | 0.8642% | 5,309 |
| Net loans and leases to total assets | 53.5898% | 5,369 |
| Net loans and leases to deposits | 61.3969% | 5,580 |
| Net loans and leases to core deposits | 68.2760% | 5,260 |
| Total domestic deposits to total assets | 87.2843% | 2,775 |
| Equity capital to assets | 11.2455% | 2,463 |
| Core capital (leverage) ratio | 10.5581% | 2,552 |
| Tier 1 risk-based capital ratio | 17.4249% | 2,330 |
| Total risk-based capital ratio | 18.6737% | 2,299 |
| Memoranda: |
| Average total assets | $531,779,500 | 1,273 |
| Average earning assets | $477,172,000 | 1,292 |
| Average equity | $58,895,000 | 1,124 |
| Average total loans | $287,097,000 | 1,527 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2871% | 3,191 |
| Cost of funding earning assets | 0.9573% | 5,900 |
| Net interest margin | 4.3299% | 1,714 |
| Noninterest income to average assets | 1.4935% | 653 |
| Noninterest expense to average assets | 3.5711% | 1,999 |
| Loan and lease loss provision to assets | 0.3152% | 4,281 |
| Net operating income to assets | 1.2240% | 1,362 |
| Return on assets (ROA) | 1.2392% | 1,391 |
| Pretax return on assets | 1.5067% | 1,358 |
| Return on Equity (ROE) | 10.9942% | 1,591 |
| Retained earnings to average equity (ytd only) | 4.2896% | 2,839 |
| Net charge-offs to loans | 0.2036% | 5,066 |
| Credit loss provision to net charge-offs | 277.3973% | 980 |
| Earnings coverage of net charge-offs (x) | 15.8716% | 1,254 |
| Efficiency ratio | 66.4446% | 4,883 |
| Assets per employee ($millions) | 2.6288% | 6,805 |
| Cash dividends to net income (ytd only)* | 60.9829% | 1,585 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5065% | 3,972 |
| Loan loss allowance to noncurrent loans | 158.3242% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 5,599 |
| Noncurrent loans to loans | 0.9515% | 5,146 |
| Net loans and leases to total assets | 52.7540% | 5,817 |
| Net loans and leases to deposits | 60.2766% | 6,028 |
| Net loans and leases to core deposits | 67.0582% | 5,765 |
| Total domestic deposits to total assets | 87.5198% | 2,536 |
| Equity capital to assets | 10.9075% | 2,768 |
| Core capital (leverage) ratio | 10.5526% | 2,504 |
| Tier 1 risk-based capital ratio | 17.2118% | 2,269 |
| Total risk-based capital ratio | 18.4633% | 2,230 |
| Memoranda: |
| Average total assets | $513,961,200 | 1,303 |
| Average earning assets | $460,683,200 | 1,329 |
| Average equity | $57,930,800 | 1,148 |
| Average total loans | $286,787,400 | 1,562 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3652% | 3,051 |
| Cost of funding earning assets | 0.9787% | 6,042 |
| Net interest margin | 4.3865% | 1,565 |
| Noninterest income to average assets | 1.4600% | 636 |
| Noninterest expense to average assets | 3.5484% | 1,911 |
| Loan and lease loss provision to assets | 0.3423% | 3,869 |
| Net operating income to assets | 1.2147% | 1,552 |
| Return on assets (ROA) | 1.2345% | 1,578 |
| Pretax return on assets | 1.5266% | 1,539 |
| Return on Equity (ROE) | 10.8597% | 1,833 |
| Retained earnings to average equity (ytd only) | 4.2082% | 3,527 |
| Net charge-offs to loans | 0.2251% | 4,585 |
| Credit loss provision to net charge-offs | 269.6281% | 1,216 |
| Earnings coverage of net charge-offs (x) | 14.5309% | 1,508 |
| Efficiency ratio | 65.7978% | 4,906 |
| Assets per employee ($millions) | 2.4899% | 7,093 |
| Cash dividends to net income (ytd only)* | 61.2492% | 1,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4207% | 4,353 |
| Loan loss allowance to noncurrent loans | 220.0107% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 5,940 |
| Noncurrent loans to loans | 0.6458% | 5,915 |
| Net loans and leases to total assets | 55.8967% | 5,556 |
| Net loans and leases to deposits | 64.5430% | 5,845 |
| Net loans and leases to core deposits | 71.0809% | 5,629 |
| Total domestic deposits to total assets | 86.6038% | 2,755 |
| Equity capital to assets | 11.6490% | 2,407 |
| Core capital (leverage) ratio | 10.6150% | 2,587 |
| Tier 1 risk-based capital ratio | 16.8598% | 2,391 |
| Total risk-based capital ratio | 18.1102% | 2,352 |
| Memoranda: |
| Average total assets | $508,385,250 | 1,324 |
| Average earning assets | $455,811,750 | 1,359 |
| Average equity | $57,790,250 | 1,153 |
| Average total loans | $286,677,250 | 1,577 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3276% | 3,330 |
| Cost of funding earning assets | 0.9757% | 6,256 |
| Net interest margin | 4.3519% | 1,582 |
| Noninterest income to average assets | 1.4489% | 605 |
| Noninterest expense to average assets | 3.5875% | 1,810 |
| Loan and lease loss provision to assets | 0.2895% | 4,072 |
| Net operating income to assets | 1.2018% | 1,556 |
| Return on assets (ROA) | 1.2113% | 1,596 |
| Pretax return on assets | 1.4985% | 1,560 |
| Return on Equity (ROE) | 10.7454% | 1,842 |
| Retained earnings to average equity (ytd only) | 4.1654% | 3,417 |
| Net charge-offs to loans | 0.2093% | 4,358 |
| Credit loss provision to net charge-offs | 245.8194% | 1,563 |
| Earnings coverage of net charge-offs (x) | 15.0803% | 1,477 |
| Efficiency ratio | 66.8845% | 4,794 |
| Assets per employee ($millions) | 2.5220% | 7,076 |
| Cash dividends to net income (ytd only)* | 61.2358% | 1,276 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2937% | 4,964 |
| Loan loss allowance to noncurrent loans | 79.4883% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 5,213 |
| Noncurrent loans to loans | 1.6275% | 4,269 |
| Net loans and leases to total assets | 55.5587% | 5,776 |
| Net loans and leases to deposits | 64.0577% | 6,034 |
| Net loans and leases to core deposits | 70.2283% | 5,849 |
| Total domestic deposits to total assets | 86.7322% | 2,690 |
| Equity capital to assets | 11.3617% | 2,548 |
| Core capital (leverage) ratio | 10.4588% | 2,658 |
| Tier 1 risk-based capital ratio | 17.0019% | 2,281 |
| Total risk-based capital ratio | 18.1965% | 2,255 |
| Memoranda: |
| Average total assets | $507,704,000 | 1,335 |
| Average earning assets | $456,718,330 | 1,358 |
| Average equity | $57,233,670 | 1,156 |
| Average total loans | $285,761,330 | 1,597 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3060% | 3,518 |
| Cost of funding earning assets | 0.9600% | 6,540 |
| Net interest margin | 4.3460% | 1,548 |
| Noninterest income to average assets | 1.4692% | 551 |
| Noninterest expense to average assets | 3.6339% | 1,656 |
| Loan and lease loss provision to assets | 0.2611% | 3,951 |
| Net operating income to assets | 1.1836% | 1,583 |
| Return on assets (ROA) | 1.1899% | 1,641 |
| Pretax return on assets | 1.4898% | 1,542 |
| Return on Equity (ROE) | 10.5979% | 1,913 |
| Retained earnings to average equity (ytd only) | 4.3759% | 3,526 |
| Net charge-offs to loans | 0.2516% | 3,438 |
| Credit loss provision to net charge-offs | 184.3575% | 1,987 |
| Earnings coverage of net charge-offs (x) | 12.3073% | 1,575 |
| Efficiency ratio | 67.5839% | 4,806 |
| Assets per employee ($millions) | 2.4875% | 7,216 |
| Cash dividends to net income (ytd only)* | 58.7101% | 1,279 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2023% | 5,487 |
| Loan loss allowance to noncurrent loans | 193.1015% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 6,495 |
| Noncurrent loans to loans | 0.6226% | 6,066 |
| Net loans and leases to total assets | 55.7574% | 5,781 |
| Net loans and leases to deposits | 63.8799% | 6,060 |
| Net loans and leases to core deposits | 69.8676% | 5,932 |
| Total domestic deposits to total assets | 87.2848% | 2,474 |
| Equity capital to assets | 11.2628% | 2,531 |
| Core capital (leverage) ratio | 10.6681% | 2,475 |
| Tier 1 risk-based capital ratio | 16.8705% | 2,316 |
| Total risk-based capital ratio | 17.9771% | 2,319 |
| Memoranda: |
| Average total assets | $505,568,000 | 1,377 |
| Average earning assets | $454,583,000 | 1,392 |
| Average equity | $56,766,000 | 1,168 |
| Average total loans | $284,554,500 | 1,656 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6452% | 3,373 |
| Cost of funding earning assets | 1.1019% | 6,972 |
| Net interest margin | 4.5433% | 1,090 |
| Noninterest income to average assets | 1.4856% | 649 |
| Noninterest expense to average assets | 3.4963% | 2,384 |
| Loan and lease loss provision to assets | 0.3579% | 4,655 |
| Net operating income to assets | 1.3701% | 897 |
| Return on assets (ROA) | 1.3782% | 940 |
| Pretax return on assets | 1.7452% | 705 |
| Return on Equity (ROE) | 12.7094% | 1,024 |
| Retained earnings to average equity (ytd only) | 7.3473% | 861 |
| Net charge-offs to loans | 0.2389% | 5,125 |
| Credit loss provision to net charge-offs | 266.1145% | 1,317 |
| Earnings coverage of net charge-offs (x) | 15.5617% | 1,300 |
| Efficiency ratio | 62.5562% | 6,047 |
| Assets per employee ($millions) | 2.4451% | 7,288 |
| Cash dividends to net income (ytd only)* | 42.1896% | 2,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1644% | 5,561 |
| Loan loss allowance to noncurrent loans | 200.6094% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 6,538 |
| Noncurrent loans to loans | 0.5804% | 6,083 |
| Net loans and leases to total assets | 55.4776% | 6,027 |
| Net loans and leases to deposits | 63.7038% | 6,305 |
| Net loans and leases to core deposits | 78.6708% | 6,205 |
| Total domestic deposits to total assets | 87.0868% | 2,453 |
| Equity capital to assets | 11.1933% | 2,537 |
| Core capital (leverage) ratio | 10.5854% | 2,521 |
| Tier 1 risk-based capital ratio | 16.7092% | 2,232 |
| Total risk-based capital ratio | 17.7697% | 2,258 |
| Memoranda: |
| Average total assets | $493,747,800 | 1,402 |
| Average earning assets | $445,954,600 | 1,413 |
| Average equity | $53,543,200 | 1,236 |
| Average total loans | $277,941,000 | 1,734 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6816% | 3,424 |
| Cost of funding earning assets | 1.1375% | 7,070 |
| Net interest margin | 4.5441% | 1,084 |
| Noninterest income to average assets | 1.4949% | 660 |
| Noninterest expense to average assets | 3.5082% | 2,262 |
| Loan and lease loss provision to assets | 0.3754% | 4,076 |
| Net operating income to assets | 1.3595% | 1,104 |
| Return on assets (ROA) | 1.3709% | 1,143 |
| Pretax return on assets | 1.7337% | 906 |
| Return on Equity (ROE) | 12.7465% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.3537% | 1,374 |
| Net charge-offs to loans | 0.2539% | 4,463 |
| Credit loss provision to net charge-offs | 262.4288% | 1,621 |
| Earnings coverage of net charge-offs (x) | 14.6451% | 1,585 |
| Efficiency ratio | 62.6138% | 5,999 |
| Assets per employee ($millions) | 2.3578% | 7,435 |
| Cash dividends to net income (ytd only)* | 42.3084% | 2,345 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0712% | 5,894 |
| Loan loss allowance to noncurrent loans | 225.5556% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 6,677 |
| Noncurrent loans to loans | 0.4749% | 6,368 |
| Net loans and leases to total assets | 57.6205% | 5,948 |
| Net loans and leases to deposits | 66.8241% | 6,227 |
| Net loans and leases to core deposits | 83.0757% | 6,113 |
| Total domestic deposits to total assets | 86.2272% | 2,572 |
| Equity capital to assets | 11.4685% | 2,619 |
| Core capital (leverage) ratio | 10.4666% | 2,819 |
| Tier 1 risk-based capital ratio | 16.4558% | 2,449 |
| Total risk-based capital ratio | 17.4413% | 2,497 |
| Memoranda: |
| Average total assets | $491,261,000 | 1,420 |
| Average earning assets | $444,109,000 | 1,433 |
| Average equity | $52,834,000 | 1,270 |
| Average total loans | $276,743,750 | 1,763 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6593% | 3,771 |
| Cost of funding earning assets | 1.1807% | 7,161 |
| Net interest margin | 4.4786% | 1,219 |
| Noninterest income to average assets | 1.4629% | 692 |
| Noninterest expense to average assets | 3.5318% | 2,243 |
| Loan and lease loss provision to assets | 0.3473% | 3,840 |
| Net operating income to assets | 1.2956% | 1,238 |
| Return on assets (ROA) | 1.3130% | 1,278 |
| Pretax return on assets | 1.6538% | 1,104 |
| Return on Equity (ROE) | 12.4818% | 1,293 |
| Retained earnings to average equity (ytd only) | 7.0596% | 1,559 |
| Net charge-offs to loans | 0.3224% | 3,568 |
| Credit loss provision to net charge-offs | 193.4389% | 2,366 |
| Earnings coverage of net charge-offs (x) | 11.0226% | 1,942 |
| Efficiency ratio | 64.0867% | 5,898 |
| Assets per employee ($millions) | 2.3670% | 7,476 |
| Cash dividends to net income (ytd only)* | 43.4406% | 2,287 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9467% | 6,570 |
| Loan loss allowance to noncurrent loans | 196.0090% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 6,649 |
| Noncurrent loans to loans | 0.4830% | 6,320 |
| Net loans and leases to total assets | 55.5837% | 6,259 |
| Net loans and leases to deposits | 63.4650% | 6,617 |
| Net loans and leases to core deposits | 77.4955% | 6,577 |
| Total domestic deposits to total assets | 87.5816% | 1,977 |
| Equity capital to assets | 10.8056% | 3,108 |
| Core capital (leverage) ratio | 9.9683% | 3,326 |
| Tier 1 risk-based capital ratio | 16.3705% | 2,491 |
| Total risk-based capital ratio | 17.2269% | 2,577 |
| Memoranda: |
| Average total assets | $492,325,000 | 1,439 |
| Average earning assets | $445,005,670 | 1,452 |
| Average equity | $51,787,330 | 1,313 |
| Average total loans | $274,234,000 | 1,799 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6911% | 3,850 |
| Cost of funding earning assets | 1.2034% | 7,292 |
| Net interest margin | 4.4877% | 1,154 |
| Noninterest income to average assets | 1.4079% | 708 |
| Noninterest expense to average assets | 3.4358% | 2,264 |
| Loan and lease loss provision to assets | 0.2310% | 4,143 |
| Net operating income to assets | 1.3941% | 1,153 |
| Return on assets (ROA) | 1.3941% | 1,242 |
| Pretax return on assets | 1.7945% | 985 |
| Return on Equity (ROE) | 13.4351% | 1,284 |
| Retained earnings to average equity (ytd only) | 7.9517% | 1,832 |
| Net charge-offs to loans | 0.4542% | 2,318 |
| Credit loss provision to net charge-offs | 91.6399% | 3,972 |
| Earnings coverage of net charge-offs (x) | 8.0354% | 2,249 |
| Efficiency ratio | 62.9118% | 5,885 |
| Assets per employee ($millions) | 2.4271% | 7,412 |
| Cash dividends to net income (ytd only)* | 40.8140% | 2,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7888% | 7,197 |
| Loan loss allowance to noncurrent loans | 146.9429% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 6,583 |
| Noncurrent loans to loans | 0.5368% | 6,076 |
| Net loans and leases to total assets | 53.8912% | 6,475 |
| Net loans and leases to deposits | 61.0300% | 6,812 |
| Net loans and leases to core deposits | 74.6042% | 6,772 |
| Total domestic deposits to total assets | 88.3029% | 1,576 |
| Equity capital to assets | 10.2807% | 3,671 |
| Core capital (leverage) ratio | 10.0561% | 3,342 |
| Tier 1 risk-based capital ratio | 16.0662% | 2,668 |
| Total risk-based capital ratio | 16.7761% | 2,778 |
| Memoranda: |
| Average total assets | $493,504,500 | 1,439 |
| Average earning assets | $445,748,000 | 1,453 |
| Average equity | $51,209,000 | 1,340 |
| Average total loans | $273,879,000 | 1,803 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2731% | 4,104 |
| Cost of funding earning assets | 1.5423% | 7,544 |
| Net interest margin | 4.7308% | 908 |
| Noninterest income to average assets | 1.5117% | 612 |
| Noninterest expense to average assets | 3.4986% | 2,404 |
| Loan and lease loss provision to assets | 0.3003% | 3,974 |
| Net operating income to assets | 1.6156% | 813 |
| Return on assets (ROA) | 1.6276% | 753 |
| Pretax return on assets | 1.9639% | 672 |
| Return on Equity (ROE) | 15.9121% | 787 |
| Retained earnings to average equity (ytd only) | 9.9186% | 462 |
| Net charge-offs to loans | 0.4490% | 2,585 |
| Credit loss provision to net charge-offs | 120.2209% | 4,469 |
| Earnings coverage of net charge-offs (x) | 9.0076% | 2,773 |
| Efficiency ratio | 60.8623% | 6,190 |
| Assets per employee ($millions) | 2.2531% | 7,623 |
| Cash dividends to net income (ytd only)* | 37.6662% | 3,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8003% | 7,111 |
| Loan loss allowance to noncurrent loans | 152.2253% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 6,328 |
| Noncurrent loans to loans | 0.5257% | 5,776 |
| Net loans and leases to total assets | 56.2752% | 6,402 |
| Net loans and leases to deposits | 63.8166% | 6,816 |
| Net loans and leases to core deposits | 75.5496% | 6,886 |
| Total domestic deposits to total assets | 88.1827% | 1,397 |
| Equity capital to assets | 10.4771% | 3,532 |
| Core capital (leverage) ratio | 10.2226% | 3,244 |
| Tier 1 risk-based capital ratio | 15.9705% | 2,673 |
| Total risk-based capital ratio | 16.6998% | 2,800 |
| Memoranda: |
| Average total assets | $471,251,800 | 1,464 |
| Average earning assets | $422,021,000 | 1,476 |
| Average equity | $48,202,400 | 1,423 |
| Average total loans | $262,113,400 | 1,818 |
