| 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 | 4.5634% | 2,989 |
| Cost of funding earning assets | 0.4101% | 4,279 |
| Net interest margin | 4.1533% | 1,004 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.3148% | 2,810 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 1.6588% | 784 |
| Return on assets (ROA) | 1.6489% | 767 |
| Pretax return on assets | 2.0982% | 572 |
| Return on Equity (ROE) | 18.2900% | 780 |
| Retained earnings to average equity (ytd only) | 14.0921% | 392 |
| Net charge-offs to loans | -0.0314% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.2289% | 3,736 |
| Assets per employee ($millions) | 6.0205% | 2,804 |
| Cash dividends to net income (ytd only)* | 22.9560% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2736% | 1,906 |
| Loan loss allowance to noncurrent loans | 185.3396% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 1,345 |
| Noncurrent loans to loans | 0.6872% | 1,148 |
| Net loans and leases to total assets | 49.1200% | 3,649 |
| Net loans and leases to deposits | 57.7839% | 3,638 |
| Net loans and leases to core deposits | 61.3209% | 3,710 |
| Total domestic deposits to total assets | 85.0100% | 2,310 |
| Equity capital to assets | 10.2032% | 1,895 |
| Core capital (leverage) ratio | 11.9479% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $686,871,400 | 1,325 |
| Average earning assets | $637,596,000 | 1,314 |
| Average equity | $61,921,000 | 1,359 |
| Average total loans | $330,973,600 | 1,682 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4988% | 2,922 |
| Cost of funding earning assets | 0.3169% | 4,343 |
| Net interest margin | 4.1819% | 947 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.2564% | 2,930 |
| Loan and lease loss provision to assets | -0.1500% | 4,571 |
| Net operating income to assets | 1.7874% | 686 |
| Return on assets (ROA) | 1.7742% | 685 |
| Pretax return on assets | 2.2516% | 520 |
| Return on Equity (ROE) | 20.3400% | 691 |
| Retained earnings to average equity (ytd only) | 16.0135% | 456 |
| Net charge-offs to loans | -0.0434% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.5644% | 3,790 |
| Assets per employee ($millions) | 6.0017% | 2,757 |
| Cash dividends to net income (ytd only)* | 21.2836% | 2,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2086% | 2,313 |
| Loan loss allowance to noncurrent loans | 178.3724% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 1,448 |
| Noncurrent loans to loans | 0.6776% | 1,222 |
| Net loans and leases to total assets | 47.7600% | 3,753 |
| Net loans and leases to deposits | 55.1541% | 3,745 |
| Net loans and leases to core deposits | 58.4545% | 3,766 |
| Total domestic deposits to total assets | 86.6000% | 2,015 |
| Equity capital to assets | 8.7485% | 2,574 |
| Core capital (leverage) ratio | 11.5418% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $688,510,750 | 1,321 |
| Average earning assets | $639,091,750 | 1,311 |
| Average equity | $60,047,750 | 1,379 |
| Average total loans | $329,092,500 | 1,688 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3978% | 2,889 |
| Cost of funding earning assets | 0.2243% | 4,402 |
| Net interest margin | 4.1735% | 967 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.2394% | 2,973 |
| Loan and lease loss provision to assets | -0.1800% | 4,603 |
| Net operating income to assets | 1.8235% | 629 |
| Return on assets (ROA) | 1.8248% | 626 |
| Pretax return on assets | 2.3086% | 462 |
| Return on Equity (ROE) | 20.9500% | 619 |
| Retained earnings to average equity (ytd only) | 16.6076% | 419 |
| Net charge-offs to loans | 0.0049% | 2,097 |
| Credit loss provision to net charge-offs | -7,250.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | 914.3750% | 165 |
| Efficiency ratio | 51.2918% | 3,828 |
| Assets per employee ($millions) | 6.1497% | 2,580 |
| Cash dividends to net income (ytd only)* | 20.7105% | 2,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2228% | 2,325 |
| Loan loss allowance to noncurrent loans | 175.8380% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 1,305 |
| Noncurrent loans to loans | 0.6954% | 1,076 |
| Net loans and leases to total assets | 47.8000% | 3,700 |
| Net loans and leases to deposits | 53.1020% | 3,790 |
| Net loans and leases to core deposits | 56.2953% | 3,803 |
| Total domestic deposits to total assets | 90.0100% | 918 |
| Equity capital to assets | 9.0126% | 2,512 |
| Core capital (leverage) ratio | 11.3367% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $687,947,667 | 1,318 |
| Average earning assets | $639,228,333 | 1,310 |
| Average equity | $59,936,333 | 1,388 |
| Average total loans | $327,562,667 | 1,679 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2532% | 2,919 |
| Cost of funding earning assets | 0.1002% | 4,530 |
| Net interest margin | 4.1530% | 1,016 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.2618% | 2,924 |
| Loan and lease loss provision to assets | -0.1300% | 4,593 |
| Net operating income to assets | 1.7580% | 735 |
| Return on assets (ROA) | 1.7631% | 719 |
| Pretax return on assets | 2.2038% | 566 |
| Return on Equity (ROE) | 20.5900% | 698 |
| Retained earnings to average equity (ytd only) | 16.1911% | 674 |
| Net charge-offs to loans | 0.0123% | 1,494 |
| Credit loss provision to net charge-offs | -1,810.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | 357.1000% | 317 |
| Efficiency ratio | 52.2338% | 3,759 |
| Assets per employee ($millions) | 6.0174% | 2,748 |
| Cash dividends to net income (ytd only)* | 21.3535% | 1,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3540% | 1,800 |
| Loan loss allowance to noncurrent loans | 127.0696% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 904 |
| Noncurrent loans to loans | 1.0656% | 676 |
| Net loans and leases to total assets | 46.3000% | 3,763 |
| Net loans and leases to deposits | 51.3511% | 3,827 |
| Net loans and leases to core deposits | 54.2874% | 3,820 |
| Total domestic deposits to total assets | 90.1600% | 1,101 |
| Equity capital to assets | 8.7804% | 2,674 |
| Core capital (leverage) ratio | 10.9503% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $690,610,500 | 1,328 |
| Average earning assets | $642,524,500 | 1,322 |
| Average equity | $59,143,500 | 1,411 |
| Average total loans | $326,184,000 | 1,698 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5589% | 2,917 |
| Cost of funding earning assets | 0.0549% | 4,564 |
| Net interest margin | 3.5039% | 1,918 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.1427% | 3,187 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2623% | 1,559 |
| Return on assets (ROA) | 1.2523% | 1,543 |
| Pretax return on assets | 1.5607% | 1,266 |
| Return on Equity (ROE) | 15.1100% | 1,230 |
| Retained earnings to average equity (ytd only) | 11.0276% | 880 |
| Net charge-offs to loans | -0.0381% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.6841% | 3,504 |
| Assets per employee ($millions) | 5.9930% | 2,771 |
| Cash dividends to net income (ytd only)* | 27.0193% | 2,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4072% | 1,471 |
| Loan loss allowance to noncurrent loans | 81.1003% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 497 |
| Noncurrent loans to loans | 1.7352% | 353 |
| Net loans and leases to total assets | 46.8600% | 3,743 |
| Net loans and leases to deposits | 51.7286% | 3,821 |
| Net loans and leases to core deposits | 52.4560% | 3,892 |
| Total domestic deposits to total assets | 90.6000% | 1,107 |
| Equity capital to assets | 8.3428% | 2,822 |
| Core capital (leverage) ratio | 10.5355% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $701,924,400 | 1,307 |
| Average earning assets | $655,603,200 | 1,295 |
| Average equity | $58,172,400 | 1,439 |
| Average total loans | $304,755,000 | 1,705 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2895% | 3,205 |
| Cost of funding earning assets | 0.0539% | 4,559 |
| Net interest margin | 3.2356% | 2,513 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.0805% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1757% | 1,791 |
| Return on assets (ROA) | 1.1757% | 1,763 |
| Pretax return on assets | 1.4541% | 1,540 |
| Return on Equity (ROE) | 14.2100% | 1,370 |
| Retained earnings to average equity (ytd only) | 11.2450% | 988 |
| Net charge-offs to loans | 0.0080% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 428.1111% | 360 |
| Efficiency ratio | 58.8618% | 3,271 |
| Assets per employee ($millions) | 6.2859% | 2,505 |
| Cash dividends to net income (ytd only)* | 20.8634% | 2,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2873% | 2,096 |
| Loan loss allowance to noncurrent loans | 50.0816% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 344 |
| Noncurrent loans to loans | 2.5704% | 202 |
| Net loans and leases to total assets | 43.4300% | 3,912 |
| Net loans and leases to deposits | 47.3657% | 3,975 |
| Net loans and leases to core deposits | 47.9387% | 4,032 |
| Total domestic deposits to total assets | 91.6800% | 980 |
| Equity capital to assets | 7.3726% | 3,287 |
| Core capital (leverage) ratio | 9.9762% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $706,606,000 | 1,309 |
| Average earning assets | $660,673,250 | 1,297 |
| Average equity | $58,466,000 | 1,448 |
| Average total loans | $299,756,750 | 1,713 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1002% | 3,303 |
| Cost of funding earning assets | 0.0510% | 4,595 |
| Net interest margin | 3.0492% | 2,723 |
| Noninterest income to average assets | 0.4953% | 2,230 |
| Noninterest expense to average assets | 2.0934% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0302% | 2,043 |
| Return on assets (ROA) | 1.0302% | 2,017 |
| Pretax return on assets | 1.2589% | 1,873 |
| Return on Equity (ROE) | 12.0159% | 1,667 |
| Retained earnings to average equity (ytd only) | 9.8726% | 1,057 |
| Net charge-offs to loans | 0.0128% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 234.3684% | 489 |
| Efficiency ratio | 62.4473% | 2,989 |
| Assets per employee ($millions) | 6.3430% | 2,442 |
| Cash dividends to net income (ytd only)* | 17.8375% | 2,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3255% | 2,070 |
| Loan loss allowance to noncurrent loans | 53.7777% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 401 |
| Noncurrent loans to loans | 2.4647% | 235 |
| Net loans and leases to total assets | 41.7699% | 3,990 |
| Net loans and leases to deposits | 45.7608% | 4,037 |
| Net loans and leases to core deposits | 46.3311% | 4,110 |
| Total domestic deposits to total assets | 91.2787% | 1,114 |
| Equity capital to assets | 7.8615% | 3,230 |
| Core capital (leverage) ratio | 9.7244% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $707,467,667 | 1,308 |
| Average earning assets | $662,855,000 | 1,303 |
| Average equity | $60,653,000 | 1,426 |
| Average total loans | $296,438,000 | 1,721 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9959% | 3,270 |
| Cost of funding earning assets | 0.0507% | 4,597 |
| Net interest margin | 2.9452% | 2,691 |
| Noninterest income to average assets | 0.4929% | 2,180 |
| Noninterest expense to average assets | 2.1479% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9156% | 2,224 |
| Return on assets (ROA) | 0.9156% | 2,222 |
| Pretax return on assets | 1.1082% | 2,114 |
| Return on Equity (ROE) | 10.2514% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.2514% | 964 |
| Net charge-offs to loans | 0.1386% | 409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 19.1765% | 1,292 |
| Efficiency ratio | 65.9649% | 2,775 |
| Assets per employee ($millions) | 6.5985% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3181% | 2,266 |
| Loan loss allowance to noncurrent loans | 49.7578% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 387 |
| Noncurrent loans to loans | 2.6491% | 222 |
| Net loans and leases to total assets | 40.6257% | 3,971 |
| Net loans and leases to deposits | 44.7047% | 4,032 |
| Net loans and leases to core deposits | 45.2360% | 4,108 |
| Total domestic deposits to total assets | 90.8757% | 1,098 |
| Equity capital to assets | 8.2515% | 3,368 |
| Core capital (leverage) ratio | 9.4999% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $705,994,500 | 1,316 |
| Average earning assets | $662,372,000 | 1,312 |
| Average equity | $63,055,000 | 1,430 |
| Average total loans | $294,294,500 | 1,721 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9979% | 3,876 |
| Cost of funding earning assets | 0.0593% | 4,644 |
| Net interest margin | 2.9386% | 3,352 |
| Noninterest income to average assets | 0.5228% | 2,474 |
| Noninterest expense to average assets | 2.2945% | 2,811 |
| Loan and lease loss provision to assets | 0.0680% | 1,709 |
| Net operating income to assets | 0.7493% | 3,492 |
| Return on assets (ROA) | 0.7497% | 3,553 |
| Pretax return on assets | 0.9151% | 3,471 |
| Return on Equity (ROE) | 7.7298% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.7051% | 2,473 |
| Net charge-offs to loans | 0.2784% | 319 |
| Credit loss provision to net charge-offs | 54.6780% | 2,104 |
| Earnings coverage of net charge-offs (x) | 7.9040% | 2,324 |
| Efficiency ratio | 70.0148% | 1,729 |
| Assets per employee ($millions) | 5.9720% | 2,806 |
| Cash dividends to net income (ytd only)* | 26.1938% | 2,735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3693% | 2,052 |
| Loan loss allowance to noncurrent loans | 33.6075% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.7995% | 198 |
| Noncurrent loans to loans | 4.0743% | 100 |
| Net loans and leases to total assets | 41.6435% | 3,997 |
| Net loans and leases to deposits | 46.5588% | 4,070 |
| Net loans and leases to core deposits | 47.1686% | 4,131 |
| Total domestic deposits to total assets | 89.4428% | 1,271 |
| Equity capital to assets | 9.6372% | 3,008 |
| Core capital (leverage) ratio | 9.6304% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $661,979,600 | 1,338 |
| Average earning assets | $620,473,000 | 1,339 |
| Average equity | $64,206,000 | 1,443 |
| Average total loans | $295,658,000 | 1,719 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0250% | 3,954 |
| Cost of funding earning assets | 0.0613% | 4,732 |
| Net interest margin | 2.9637% | 3,411 |
| Noninterest income to average assets | 0.5327% | 2,487 |
| Noninterest expense to average assets | 2.3058% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8295% | 3,445 |
| Return on assets (ROA) | 0.8300% | 3,507 |
| Pretax return on assets | 1.0040% | 3,443 |
| Return on Equity (ROE) | 8.5430% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.1796% | 2,351 |
| Net charge-offs to loans | 0.1313% | 614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 16.8630% | 1,826 |
| Efficiency ratio | 69.6779% | 1,634 |
| Assets per employee ($millions) | 5.9287% | 2,763 |
| Cash dividends to net income (ytd only)* | 15.9588% | 2,734 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3994% | 2,017 |
| Loan loss allowance to noncurrent loans | 30.9869% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.0057% | 186 |
| Noncurrent loans to loans | 4.5161% | 92 |
| Net loans and leases to total assets | 42.2151% | 4,075 |
| Net loans and leases to deposits | 47.1855% | 4,159 |
| Net loans and leases to core deposits | 47.6518% | 4,254 |
| Total domestic deposits to total assets | 89.4663% | 1,029 |
| Equity capital to assets | 9.5254% | 3,345 |
| Core capital (leverage) ratio | 9.7001% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $654,286,500 | 1,368 |
| Average earning assets | $612,959,500 | 1,365 |
| Average equity | $63,567,000 | 1,467 |
| Average total loans | $296,449,750 | 1,754 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0851% | 3,901 |
| Cost of funding earning assets | 0.0643% | 4,770 |
| Net interest margin | 3.0208% | 3,270 |
| Noninterest income to average assets | 0.5156% | 2,558 |
| Noninterest expense to average assets | 2.3397% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8345% | 3,409 |
| Return on assets (ROA) | 0.8355% | 3,478 |
| Pretax return on assets | 1.0035% | 3,441 |
| Return on Equity (ROE) | 8.5409% | 3,251 |
| Retained earnings to average equity (ytd only) | 8.5409% | 1,880 |
| Net charge-offs to loans | -0.0013% | 3,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0093% | 1,635 |
| Assets per employee ($millions) | 5.5705% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4912% | 1,619 |
| Loan loss allowance to noncurrent loans | 30.5078% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.2214% | 176 |
| Noncurrent loans to loans | 4.8878% | 87 |
| Net loans and leases to total assets | 43.2866% | 4,090 |
| Net loans and leases to deposits | 48.4480% | 4,188 |
| Net loans and leases to core deposits | 48.9152% | 4,284 |
| Total domestic deposits to total assets | 89.3465% | 1,115 |
| Equity capital to assets | 9.7221% | 3,120 |
| Core capital (leverage) ratio | 9.7348% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $645,115,000 | 1,379 |
| Average earning assets | $603,607,667 | 1,371 |
| Average equity | $63,108,000 | 1,462 |
| Average total loans | $297,963,667 | 1,757 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9948% | 4,097 |
| Cost of funding earning assets | 0.0703% | 4,793 |
| Net interest margin | 2.9245% | 3,451 |
| Noninterest income to average assets | 0.4824% | 2,696 |
| Noninterest expense to average assets | 2.4021% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6924% | 3,726 |
| Return on assets (ROA) | 0.6940% | 3,786 |
| Pretax return on assets | 0.8133% | 3,786 |
| Return on Equity (ROE) | 7.0712% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.0712% | 2,553 |
| Net charge-offs to loans | -0.0067% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7495% | 1,243 |
| Assets per employee ($millions) | 5.4710% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4561% | 1,750 |
| Loan loss allowance to noncurrent loans | 26.0846% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.6126% | 144 |
| Noncurrent loans to loans | 5.5824% | 65 |
| Net loans and leases to total assets | 44.8070% | 4,056 |
| Net loans and leases to deposits | 49.9812% | 4,156 |
| Net loans and leases to core deposits | 50.3838% | 4,280 |
| Total domestic deposits to total assets | 89.6477% | 997 |
| Equity capital to assets | 9.4259% | 3,268 |
| Core capital (leverage) ratio | 9.9820% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $633,443,500 | 1,390 |
| Average earning assets | $591,553,000 | 1,382 |
| Average equity | $62,168,000 | 1,473 |
| Average total loans | $300,079,000 | 1,750 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6084% | 3,796 |
| Cost of funding earning assets | 0.1162% | 4,826 |
| Net interest margin | 3.4922% | 2,500 |
| Noninterest income to average assets | 0.5389% | 2,472 |
| Noninterest expense to average assets | 2.6526% | 2,377 |
| Loan and lease loss provision to assets | 0.1953% | 2,000 |
| Net operating income to assets | 0.8225% | 3,005 |
| Return on assets (ROA) | 0.8495% | 3,037 |
| Pretax return on assets | 0.9647% | 3,159 |
| Return on Equity (ROE) | 7.9742% | 2,832 |
| Retained earnings to average equity (ytd only) | 3.6422% | 3,015 |
| Net charge-offs to loans | 0.0680% | 1,815 |
| Credit loss provision to net charge-offs | 528.8462% | 1,208 |
| Earnings coverage of net charge-offs (x) | 30.5865% | 1,591 |
| Efficiency ratio | 70.1399% | 1,930 |
| Assets per employee ($millions) | 4.8008% | 3,604 |
| Cash dividends to net income (ytd only)* | 54.3251% | 1,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4682% | 1,695 |
| Loan loss allowance to noncurrent loans | 24.9716% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 3.0288% | 118 |
| Noncurrent loans to loans | 5.8794% | 55 |
| Net loans and leases to total assets | 48.7718% | 3,921 |
| Net loans and leases to deposits | 54.9685% | 4,073 |
| Net loans and leases to core deposits | 55.5035% | 4,178 |
| Total domestic deposits to total assets | 88.7267% | 1,109 |
| Equity capital to assets | 10.2394% | 2,887 |
| Core capital (leverage) ratio | 10.3266% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $563,363,200 | 1,416 |
| Average earning assets | $523,170,000 | 1,405 |
| Average equity | $60,018,200 | 1,445 |
| Average total loans | $306,017,000 | 1,662 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7428% | 3,697 |
| Cost of funding earning assets | 0.1250% | 4,864 |
| Net interest margin | 3.6178% | 2,213 |
| Noninterest income to average assets | 0.5326% | 2,461 |
| Noninterest expense to average assets | 2.6739% | 2,331 |
| Loan and lease loss provision to assets | 0.1808% | 2,174 |
| Net operating income to assets | 0.8702% | 2,820 |
| Return on assets (ROA) | 0.8969% | 2,835 |
| Pretax return on assets | 1.0660% | 2,861 |
| Return on Equity (ROE) | 8.3306% | 2,676 |
| Retained earnings to average equity (ytd only) | 3.9637% | 3,071 |
| Net charge-offs to loans | 0.0165% | 2,546 |
| Credit loss provision to net charge-offs | 1,973.6842% | 484 |
| Earnings coverage of net charge-offs (x) | 132.6053% | 658 |
| Efficiency ratio | 68.7581% | 2,076 |
| Assets per employee ($millions) | 4.8749% | 3,400 |
| Cash dividends to net income (ytd only)* | 52.4194% | 1,383 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3729% | 1,862 |
| Loan loss allowance to noncurrent loans | 29.1586% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.5568% | 207 |
| Noncurrent loans to loans | 4.7084% | 123 |
| Net loans and leases to total assets | 50.9010% | 4,041 |
| Net loans and leases to deposits | 57.4647% | 4,188 |
| Net loans and leases to core deposits | 57.9952% | 4,305 |
| Total domestic deposits to total assets | 88.5778% | 947 |
| Equity capital to assets | 10.3634% | 2,907 |
| Core capital (leverage) ratio | 10.5591% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $552,979,250 | 1,415 |
| Average earning assets | $513,002,750 | 1,412 |
| Average equity | $59,538,250 | 1,446 |
| Average total loans | $307,667,250 | 1,654 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8663% | 3,704 |
| Cost of funding earning assets | 0.1367% | 4,912 |
| Net interest margin | 3.7295% | 2,051 |
| Noninterest income to average assets | 0.5424% | 2,382 |
| Noninterest expense to average assets | 2.7511% | 2,210 |
| Loan and lease loss provision to assets | 0.1855% | 2,167 |
| Net operating income to assets | 0.8978% | 2,697 |
| Return on assets (ROA) | 0.9071% | 2,785 |
| Pretax return on assets | 1.0782% | 2,781 |
| Return on Equity (ROE) | 8.3108% | 2,628 |
| Retained earnings to average equity (ytd only) | 3.8920% | 2,963 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7147% | 2,137 |
| Assets per employee ($millions) | 4.5177% | 3,766 |
| Cash dividends to net income (ytd only)* | 53.1697% | 1,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2935% | 2,034 |
| Loan loss allowance to noncurrent loans | 27.4698% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.6510% | 202 |
| Noncurrent loans to loans | 4.7090% | 124 |
| Net loans and leases to total assets | 52.8362% | 3,967 |
| Net loans and leases to deposits | 59.7783% | 4,130 |
| Net loans and leases to core deposits | 60.2950% | 4,246 |
| Total domestic deposits to total assets | 88.3870% | 995 |
| Equity capital to assets | 10.4915% | 2,746 |
| Core capital (leverage) ratio | 11.0000% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $539,060,667 | 1,419 |
| Average earning assets | $500,276,667 | 1,419 |
| Average equity | $58,839,333 | 1,446 |
| Average total loans | $307,909,667 | 1,634 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1487% | 3,380 |
| Cost of funding earning assets | 0.1440% | 4,982 |
| Net interest margin | 4.0047% | 1,382 |
| Noninterest income to average assets | 0.5752% | 2,152 |
| Noninterest expense to average assets | 2.9700% | 1,957 |
| Loan and lease loss provision to assets | 0.1925% | 1,562 |
| Net operating income to assets | 0.9310% | 2,412 |
| Return on assets (ROA) | 0.9310% | 2,523 |
| Pretax return on assets | 1.1165% | 2,462 |
| Return on Equity (ROE) | 8.3488% | 2,364 |
| Retained earnings to average equity (ytd only) | 3.8602% | 2,732 |
| Net charge-offs to loans | 0.0065% | 2,345 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 205 |
| Efficiency ratio | 69.4080% | 2,448 |
| Assets per employee ($millions) | 4.1313% | 3,745 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,530 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2262% | 2,528 |
| Loan loss allowance to noncurrent loans | 24.5754% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 3.0031% | 198 |
| Noncurrent loans to loans | 4.9894% | 122 |
| Net loans and leases to total assets | 56.6509% | 3,784 |
| Net loans and leases to deposits | 64.3739% | 3,959 |
| Net loans and leases to core deposits | 65.0739% | 4,123 |
| Total domestic deposits to total assets | 88.0028% | 1,106 |
| Equity capital to assets | 10.8848% | 2,959 |
| Core capital (leverage) ratio | 11.5025% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $519,458,000 | 1,418 |
| Average earning assets | $480,435,000 | 1,421 |
| Average equity | $57,924,500 | 1,456 |
| Average total loans | $307,095,500 | 1,613 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4997% | 2,945 |
| Cost of funding earning assets | 0.1528% | 5,043 |
| Net interest margin | 4.3469% | 989 |
| Noninterest income to average assets | 0.6473% | 2,015 |
| Noninterest expense to average assets | 2.9476% | 2,153 |
| Loan and lease loss provision to assets | 0.2156% | 915 |
| Net operating income to assets | 1.2438% | 1,890 |
| Return on assets (ROA) | 1.2438% | 1,976 |
| Pretax return on assets | 1.4927% | 1,830 |
| Return on Equity (ROE) | 11.3586% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.7936% | 1,487 |
| Net charge-offs to loans | 0.2908% | 716 |
| Credit loss provision to net charge-offs | 121.1454% | 2,098 |
| Earnings coverage of net charge-offs (x) | 9.5980% | 2,647 |
| Efficiency ratio | 63.3084% | 3,175 |
| Assets per employee ($millions) | 4.0804% | 3,807 |
| Cash dividends to net income (ytd only)* | 40.1891% | 2,594 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1354% | 2,763 |
| Loan loss allowance to noncurrent loans | 31.5358% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.3507% | 291 |
| Noncurrent loans to loans | 3.6003% | 227 |
| Net loans and leases to total assets | 60.2844% | 3,558 |
| Net loans and leases to deposits | 69.0521% | 3,737 |
| Net loans and leases to core deposits | 69.9384% | 3,963 |
| Total domestic deposits to total assets | 87.3029% | 1,452 |
| Equity capital to assets | 11.4312% | 2,588 |
| Core capital (leverage) ratio | 11.8001% | 1,895 |
| Tier 1 risk-based capital ratio | 18.7482% | 1,573 |
| Total risk-based capital ratio | 19.8401% | 1,580 |
| Memoranda: |
| Average total assets | $510,139,000 | 1,403 |
| Average earning assets | $470,450,600 | 1,414 |
| Average equity | $55,861,000 | 1,446 |
| Average total loans | $312,197,400 | 1,552 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5722% | 2,822 |
| Cost of funding earning assets | 0.1533% | 5,118 |
| Net interest margin | 4.4189% | 911 |
| Noninterest income to average assets | 0.6479% | 1,997 |
| Noninterest expense to average assets | 2.8840% | 2,306 |
| Loan and lease loss provision to assets | 0.1304% | 1,483 |
| Net operating income to assets | 1.4069% | 1,450 |
| Return on assets (ROA) | 1.4069% | 1,511 |
| Pretax return on assets | 1.7082% | 1,318 |
| Return on Equity (ROE) | 12.9895% | 1,280 |
| Retained earnings to average equity (ytd only) | 8.4140% | 1,238 |
| Net charge-offs to loans | 0.0405% | 2,285 |
| Credit loss provision to net charge-offs | 526.3158% | 602 |
| Earnings coverage of net charge-offs (x) | 74.2020% | 910 |
| Efficiency ratio | 61.0682% | 3,464 |
| Assets per employee ($millions) | 4.0644% | 3,813 |
| Cash dividends to net income (ytd only)* | 35.2243% | 2,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2032% | 2,485 |
| Loan loss allowance to noncurrent loans | 39.8478% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.0220% | 430 |
| Noncurrent loans to loans | 3.0195% | 317 |
| Net loans and leases to total assets | 59.5978% | 3,710 |
| Net loans and leases to deposits | 68.1851% | 3,908 |
| Net loans and leases to core deposits | 69.0392% | 4,103 |
| Total domestic deposits to total assets | 87.4060% | 1,307 |
| Equity capital to assets | 11.3051% | 2,832 |
| Core capital (leverage) ratio | 11.6499% | 2,111 |
| Tier 1 risk-based capital ratio | 18.6244% | 1,656 |
| Total risk-based capital ratio | 19.7810% | 1,649 |
| Memoranda: |
| Average total assets | $511,180,500 | 1,404 |
| Average earning assets | $471,361,000 | 1,415 |
| Average equity | $55,366,500 | 1,462 |
| Average total loans | $313,115,250 | 1,561 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6019% | 2,673 |
| Cost of funding earning assets | 0.1526% | 5,158 |
| Net interest margin | 4.4492% | 853 |
| Noninterest income to average assets | 0.6381% | 1,981 |
| Noninterest expense to average assets | 2.8966% | 2,292 |
| Loan and lease loss provision to assets | 0.0783% | 2,249 |
| Net operating income to assets | 1.4669% | 1,242 |
| Return on assets (ROA) | 1.4669% | 1,298 |
| Pretax return on assets | 1.7719% | 1,107 |
| Return on Equity (ROE) | 13.7445% | 1,039 |
| Retained earnings to average equity (ytd only) | 9.1593% | 986 |
| Net charge-offs to loans | 0.0560% | 1,842 |
| Credit loss provision to net charge-offs | 227.2727% | 1,099 |
| Earnings coverage of net charge-offs (x) | 53.7045% | 1,048 |
| Efficiency ratio | 61.0227% | 3,576 |
| Assets per employee ($millions) | 4.0912% | 3,746 |
| Cash dividends to net income (ytd only)* | 33.3600% | 2,492 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0967% | 3,095 |
| Loan loss allowance to noncurrent loans | 44.7627% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.7056% | 616 |
| Noncurrent loans to loans | 2.4499% | 491 |
| Net loans and leases to total assets | 59.8862% | 3,740 |
| Net loans and leases to deposits | 68.1997% | 3,957 |
| Net loans and leases to core deposits | 69.0758% | 4,148 |
| Total domestic deposits to total assets | 87.8100% | 1,191 |
| Equity capital to assets | 10.9946% | 3,062 |
| Core capital (leverage) ratio | 11.4554% | 2,204 |
| Tier 1 risk-based capital ratio | 18.4366% | 1,690 |
| Total risk-based capital ratio | 19.5090% | 1,697 |
| Memoranda: |
| Average total assets | $510,868,670 | 1,401 |
| Average earning assets | $471,766,330 | 1,411 |
| Average equity | $54,523,670 | 1,470 |
| Average total loans | $314,511,330 | 1,564 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5196% | 2,803 |
| Cost of funding earning assets | 0.1551% | 5,201 |
| Net interest margin | 4.3645% | 978 |
| Noninterest income to average assets | 0.5773% | 2,152 |
| Noninterest expense to average assets | 2.9637% | 2,094 |
| Loan and lease loss provision to assets | 0.0787% | 2,113 |
| Net operating income to assets | 1.3041% | 1,684 |
| Return on assets (ROA) | 1.3041% | 1,720 |
| Pretax return on assets | 1.5636% | 1,562 |
| Return on Equity (ROE) | 12.4084% | 1,407 |
| Retained earnings to average equity (ytd only) | 7.9181% | 1,696 |
| Net charge-offs to loans | 0.0101% | 2,325 |
| Credit loss provision to net charge-offs | 1,250.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 307 |
| Efficiency ratio | 64.3443% | 3,184 |
| Assets per employee ($millions) | 4.1904% | 3,640 |
| Cash dividends to net income (ytd only)* | 36.1882% | 2,037 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0763% | 3,255 |
| Loan loss allowance to noncurrent loans | 38.9296% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.9630% | 510 |
| Noncurrent loans to loans | 2.7647% | 428 |
| Net loans and leases to total assets | 60.7022% | 3,639 |
| Net loans and leases to deposits | 68.7166% | 3,865 |
| Net loans and leases to core deposits | 69.7317% | 4,092 |
| Total domestic deposits to total assets | 88.3370% | 1,165 |
| Equity capital to assets | 10.5172% | 3,328 |
| Core capital (leverage) ratio | 11.0802% | 2,499 |
| Tier 1 risk-based capital ratio | 17.5918% | 1,919 |
| Total risk-based capital ratio | 18.6349% | 1,928 |
| Memoranda: |
| Average total assets | $508,559,000 | 1,411 |
| Average earning assets | $469,425,500 | 1,423 |
| Average equity | $53,447,500 | 1,487 |
| Average total loans | $315,702,500 | 1,571 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3705% | 2,859 |
| Cost of funding earning assets | 0.1661% | 5,130 |
| Net interest margin | 4.2044% | 1,381 |
| Noninterest income to average assets | 0.6285% | 2,155 |
| Noninterest expense to average assets | 2.9519% | 2,182 |
| Loan and lease loss provision to assets | 0.0690% | 2,757 |
| Net operating income to assets | 1.2332% | 2,032 |
| Return on assets (ROA) | 1.2332% | 2,026 |
| Pretax return on assets | 1.4720% | 1,868 |
| Return on Equity (ROE) | 12.0214% | 1,706 |
| Retained earnings to average equity (ytd only) | 2.5141% | 4,138 |
| Net charge-offs to loans | 0.1860% | 1,030 |
| Credit loss provision to net charge-offs | 62.0567% | 3,079 |
| Earnings coverage of net charge-offs (x) | 13.8670% | 2,413 |
| Efficiency ratio | 65.7019% | 2,914 |
| Assets per employee ($millions) | 4.0788% | 3,776 |
| Cash dividends to net income (ytd only)* | 79.0861% | 736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0507% | 3,380 |
| Loan loss allowance to noncurrent loans | 55.6564% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 813 |
| Noncurrent loans to loans | 1.8878% | 733 |
| Net loans and leases to total assets | 62.1527% | 3,550 |
| Net loans and leases to deposits | 70.3507% | 3,805 |
| Net loans and leases to core deposits | 71.4772% | 4,029 |
| Total domestic deposits to total assets | 88.3469% | 1,138 |
| Equity capital to assets | 10.5018% | 3,188 |
| Core capital (leverage) ratio | 11.1368% | 2,405 |
| Tier 1 risk-based capital ratio | 17.1396% | 2,019 |
| Total risk-based capital ratio | 18.1467% | 2,046 |
| Memoranda: |
| Average total assets | $507,536,200 | 1,392 |
| Average earning assets | $466,492,200 | 1,399 |
| Average equity | $52,065,600 | 1,461 |
| Average total loans | $303,226,400 | 1,587 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2879% | 3,011 |
| Cost of funding earning assets | 0.1673% | 5,158 |
| Net interest margin | 4.1206% | 1,568 |
| Noninterest income to average assets | 0.6266% | 2,183 |
| Noninterest expense to average assets | 2.8204% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3239% | 1,763 |
| Return on assets (ROA) | 1.3239% | 1,772 |
| Pretax return on assets | 1.5929% | 1,605 |
| Return on Equity (ROE) | 12.9811% | 1,438 |
| Retained earnings to average equity (ytd only) | 3.6061% | 3,965 |
| Net charge-offs to loans | -0.0280% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9067% | 3,204 |
| Assets per employee ($millions) | 4.3474% | 3,362 |
| Cash dividends to net income (ytd only)* | 72.2201% | 784 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1479% | 2,919 |
| Loan loss allowance to noncurrent loans | 50.0837% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.5911% | 791 |
| Noncurrent loans to loans | 2.2919% | 603 |
| Net loans and leases to total assets | 60.7641% | 3,769 |
| Net loans and leases to deposits | 68.5453% | 4,018 |
| Net loans and leases to core deposits | 69.9283% | 4,196 |
| Total domestic deposits to total assets | 88.6480% | 975 |
| Equity capital to assets | 10.3401% | 3,294 |
| Core capital (leverage) ratio | 11.0053% | 2,571 |
| Tier 1 risk-based capital ratio | 17.2627% | 2,003 |
| Total risk-based capital ratio | 18.3603% | 2,000 |
| Memoranda: |
| Average total assets | $508,996,500 | 1,388 |
| Average earning assets | $467,751,500 | 1,394 |
| Average equity | $51,910,250 | 1,469 |
| Average total loans | $300,251,000 | 1,603 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2080% | 3,091 |
| Cost of funding earning assets | 0.1659% | 5,175 |
| Net interest margin | 4.0420% | 1,720 |
| Noninterest income to average assets | 0.6026% | 2,310 |
| Noninterest expense to average assets | 2.7821% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2767% | 1,873 |
| Return on assets (ROA) | 1.2767% | 1,874 |
| Pretax return on assets | 1.5337% | 1,699 |
| Return on Equity (ROE) | 12.5769% | 1,513 |
| Retained earnings to average equity (ytd only) | -1.5479% | 5,117 |
| Net charge-offs to loans | -0.0466% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4639% | 3,254 |
| Assets per employee ($millions) | 4.1201% | 3,695 |
| Cash dividends to net income (ytd only)* | 112.3077% | 295 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1948% | 2,753 |
| Loan loss allowance to noncurrent loans | 50.4561% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 786 |
| Noncurrent loans to loans | 2.3679% | 563 |
| Net loans and leases to total assets | 57.7281% | 4,018 |
| Net loans and leases to deposits | 64.8008% | 4,229 |
| Net loans and leases to core deposits | 66.0827% | 4,365 |
| Total domestic deposits to total assets | 89.0856% | 900 |
| Equity capital to assets | 9.9053% | 3,718 |
| Core capital (leverage) ratio | 10.6439% | 2,874 |
| Tier 1 risk-based capital ratio | 17.5403% | 1,932 |
| Total risk-based capital ratio | 18.6964% | 1,909 |
| Memoranda: |
| Average total assets | $509,111,670 | 1,389 |
| Average earning assets | $467,685,670 | 1,399 |
| Average equity | $51,682,000 | 1,475 |
| Average total loans | $296,112,670 | 1,628 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1797% | 2,948 |
| Cost of funding earning assets | 0.1648% | 5,190 |
| Net interest margin | 4.0149% | 1,679 |
| Noninterest income to average assets | 0.5872% | 2,328 |
| Noninterest expense to average assets | 2.8133% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2107% | 1,961 |
| Return on assets (ROA) | 1.2107% | 1,969 |
| Pretax return on assets | 1.4501% | 1,838 |
| Return on Equity (ROE) | 11.7809% | 1,655 |
| Retained earnings to average equity (ytd only) | 6.7825% | 2,373 |
| Net charge-offs to loans | -0.0844% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9870% | 3,156 |
| Assets per employee ($millions) | 4.2753% | 3,523 |
| Cash dividends to net income (ytd only)* | 42.4282% | 1,755 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2073% | 2,766 |
| Loan loss allowance to noncurrent loans | 47.7503% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.6253% | 827 |
| Noncurrent loans to loans | 2.5283% | 533 |
| Net loans and leases to total assets | 56.7413% | 4,053 |
| Net loans and leases to deposits | 63.8219% | 4,220 |
| Net loans and leases to core deposits | 65.0452% | 4,369 |
| Total domestic deposits to total assets | 88.9056% | 1,144 |
| Equity capital to assets | 10.1122% | 3,486 |
| Core capital (leverage) ratio | 10.9422% | 2,499 |
| Tier 1 risk-based capital ratio | 18.0357% | 1,830 |
| Total risk-based capital ratio | 19.1947% | 1,802 |
| Memoranda: |
| Average total assets | $506,164,000 | 1,410 |
| Average earning assets | $463,475,500 | 1,423 |
| Average equity | $52,016,500 | 1,481 |
| Average total loans | $293,719,500 | 1,641 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1650% | 2,820 |
| Cost of funding earning assets | 0.1832% | 5,070 |
| Net interest margin | 3.9817% | 1,802 |
| Noninterest income to average assets | 0.6452% | 2,226 |
| Noninterest expense to average assets | 2.9654% | 2,261 |
| Loan and lease loss provision to assets | -0.0612% | 5,416 |
| Net operating income to assets | 0.9740% | 2,351 |
| Return on assets (ROA) | 0.9740% | 2,395 |
| Pretax return on assets | 1.3680% | 2,101 |
| Return on Equity (ROE) | 9.2649% | 2,189 |
| Retained earnings to average equity (ytd only) | 4.5092% | 2,445 |
| Net charge-offs to loans | -0.0469% | 5,167 |
| Credit loss provision to net charge-offs | 223.8806% | 1,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4115% | 2,634 |
| Assets per employee ($millions) | 3.9623% | 4,028 |
| Cash dividends to net income (ytd only)* | 51.3304% | 2,214 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2145% | 2,692 |
| Loan loss allowance to noncurrent loans | 45.2515% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7646% | 713 |
| Noncurrent loans to loans | 2.6839% | 464 |
| Net loans and leases to total assets | 57.9063% | 4,015 |
| Net loans and leases to deposits | 65.5868% | 4,216 |
| Net loans and leases to core deposits | 67.2644% | 4,343 |
| Total domestic deposits to total assets | 88.2895% | 1,351 |
| Equity capital to assets | 10.4663% | 3,200 |
| Core capital (leverage) ratio | 11.5852% | 1,880 |
| Tier 1 risk-based capital ratio | 18.0234% | 1,800 |
| Total risk-based capital ratio | 19.1785% | 1,768 |
| Memoranda: |
| Average total assets | $490,049,400 | 1,431 |
| Average earning assets | $446,391,200 | 1,446 |
| Average equity | $51,517,000 | 1,489 |
| Average total loans | $285,607,600 | 1,626 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1663% | 2,728 |
| Cost of funding earning assets | 0.1850% | 5,099 |
| Net interest margin | 3.9813% | 1,776 |
| Noninterest income to average assets | 0.6168% | 2,383 |
| Noninterest expense to average assets | 2.8972% | 2,419 |
| Loan and lease loss provision to assets | -0.0818% | 5,565 |
| Net operating income to assets | 1.0978% | 2,102 |
| Return on assets (ROA) | 1.0978% | 2,153 |
| Pretax return on assets | 1.4235% | 2,048 |
| Return on Equity (ROE) | 10.4307% | 1,939 |
| Retained earnings to average equity (ytd only) | 5.7649% | 2,394 |
| Net charge-offs to loans | -0.0675% | 5,261 |
| Credit loss provision to net charge-offs | 208.3333% | 1,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3486% | 2,816 |
| Assets per employee ($millions) | 4.1033% | 3,821 |
| Cash dividends to net income (ytd only)* | 44.7316% | 2,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2680% | 2,531 |
| Loan loss allowance to noncurrent loans | 53.2771% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.5313% | 983 |
| Noncurrent loans to loans | 2.3799% | 660 |
| Net loans and leases to total assets | 55.9173% | 4,240 |
| Net loans and leases to deposits | 63.4501% | 4,419 |
| Net loans and leases to core deposits | 64.9713% | 4,557 |
| Total domestic deposits to total assets | 88.1279% | 1,299 |
| Equity capital to assets | 10.6948% | 3,166 |
| Core capital (leverage) ratio | 11.4346% | 2,066 |
| Tier 1 risk-based capital ratio | 18.7037% | 1,677 |
| Total risk-based capital ratio | 19.9079% | 1,640 |
| Memoranda: |
| Average total assets | $488,741,000 | 1,444 |
| Average earning assets | $444,631,500 | 1,462 |
| Average equity | $51,436,750 | 1,504 |
| Average total loans | $284,428,000 | 1,644 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2082% | 2,440 |
| Cost of funding earning assets | 0.1865% | 5,096 |
| Net interest margin | 4.0217% | 1,544 |
| Noninterest income to average assets | 0.6067% | 2,425 |
| Noninterest expense to average assets | 2.9607% | 2,232 |
| Loan and lease loss provision to assets | -0.1231% | 5,662 |
| Net operating income to assets | 1.1040% | 1,952 |
| Return on assets (ROA) | 1.1040% | 2,001 |
| Pretax return on assets | 1.4235% | 1,924 |
| Return on Equity (ROE) | 10.5470% | 1,812 |
| Retained earnings to average equity (ytd only) | 5.8438% | 2,204 |
| Net charge-offs to loans | -0.1181% | 5,460 |
| Credit loss provision to net charge-offs | 177.5148% | 1,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4811% | 2,769 |
| Assets per employee ($millions) | 3.9780% | 3,989 |
| Cash dividends to net income (ytd only)* | 44.5931% | 2,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2711% | 2,568 |
| Loan loss allowance to noncurrent loans | 49.4103% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.5835% | 943 |
| Noncurrent loans to loans | 2.5725% | 565 |
| Net loans and leases to total assets | 56.0747% | 4,219 |
| Net loans and leases to deposits | 63.4860% | 4,404 |
| Net loans and leases to core deposits | 65.4871% | 4,509 |
| Total domestic deposits to total assets | 88.3260% | 1,290 |
| Equity capital to assets | 10.5168% | 3,317 |
| Core capital (leverage) ratio | 11.1786% | 2,243 |
| Tier 1 risk-based capital ratio | 18.4099% | 1,744 |
| Total risk-based capital ratio | 19.6196% | 1,718 |
| Memoranda: |
| Average total assets | $487,521,670 | 1,452 |
| Average earning assets | $442,996,670 | 1,472 |
| Average equity | $51,028,670 | 1,517 |
| Average total loans | $286,280,000 | 1,631 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2988% | 1,952 |
| Cost of funding earning assets | 0.1888% | 5,077 |
| Net interest margin | 4.1100% | 1,195 |
| Noninterest income to average assets | 0.5794% | 2,511 |
| Noninterest expense to average assets | 3.0488% | 2,018 |
| Loan and lease loss provision to assets | -0.2476% | 5,806 |
| Net operating income to assets | 1.1571% | 1,638 |
| Return on assets (ROA) | 1.1571% | 1,676 |
| Pretax return on assets | 1.4972% | 1,538 |
| Return on Equity (ROE) | 11.0819% | 1,532 |
| Retained earnings to average equity (ytd only) | 6.3393% | 2,169 |
| Net charge-offs to loans | -0.3498% | 5,706 |
| Credit loss provision to net charge-offs | 118.5771% | 1,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9293% | 2,752 |
| Assets per employee ($millions) | 3.9383% | 4,115 |
| Cash dividends to net income (ytd only)* | 42.7960% | 1,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2620% | 2,747 |
| Loan loss allowance to noncurrent loans | 48.4836% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 907 |
| Noncurrent loans to loans | 2.6030% | 585 |
| Net loans and leases to total assets | 57.9285% | 3,980 |
| Net loans and leases to deposits | 65.5366% | 4,208 |
| Net loans and leases to core deposits | 67.6301% | 4,318 |
| Total domestic deposits to total assets | 88.3911% | 1,489 |
| Equity capital to assets | 10.3822% | 3,316 |
| Core capital (leverage) ratio | 10.9990% | 2,360 |
| Tier 1 risk-based capital ratio | 17.4263% | 2,052 |
| Total risk-based capital ratio | 18.6134% | 2,025 |
| Memoranda: |
| Average total assets | $484,648,000 | 1,459 |
| Average earning assets | $438,536,000 | 1,492 |
| Average equity | $50,605,000 | 1,527 |
| Average total loans | $289,340,000 | 1,629 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1850% | 2,535 |
| Cost of funding earning assets | 0.2144% | 4,890 |
| Net interest margin | 3.9706% | 1,729 |
| Noninterest income to average assets | 0.7097% | 2,131 |
| Noninterest expense to average assets | 2.9285% | 2,568 |
| Loan and lease loss provision to assets | 0.0211% | 3,949 |
| Net operating income to assets | 1.0951% | 1,918 |
| Return on assets (ROA) | 1.0953% | 2,013 |
| Pretax return on assets | 1.3601% | 2,064 |
| Return on Equity (ROE) | 10.2867% | 1,849 |
| Retained earnings to average equity (ytd only) | -0.4059% | 5,363 |
| Net charge-offs to loans | 0.1732% | 1,579 |
| Credit loss provision to net charge-offs | 20.7039% | 3,672 |
| Earnings coverage of net charge-offs (x) | 13.5611% | 2,359 |
| Efficiency ratio | 67.9550% | 3,237 |
| Assets per employee ($millions) | 4.0084% | 3,950 |
| Cash dividends to net income (ytd only)* | 103.9461% | 321 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2737% | 2,687 |
| Loan loss allowance to noncurrent loans | 45.0684% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 1.9245% | 733 |
| Noncurrent loans to loans | 2.8262% | 510 |
| Net loans and leases to total assets | 59.9923% | 3,853 |
| Net loans and leases to deposits | 67.9709% | 4,084 |
| Net loans and leases to core deposits | 69.5137% | 4,285 |
| Total domestic deposits to total assets | 88.2617% | 1,506 |
| Equity capital to assets | 10.5029% | 3,154 |
| Core capital (leverage) ratio | 10.9612% | 2,381 |
| Tier 1 risk-based capital ratio | 16.7663% | 2,243 |
| Total risk-based capital ratio | 17.9400% | 2,215 |
| Memoranda: |
| Average total assets | $474,299,400 | 1,443 |
| Average earning assets | $430,008,800 | 1,472 |
| Average equity | $50,502,200 | 1,504 |
| Average total loans | $278,931,000 | 1,622 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1669% | 2,618 |
| Cost of funding earning assets | 0.2176% | 4,900 |
| Net interest margin | 3.9493% | 1,819 |
| Noninterest income to average assets | 0.7322% | 2,034 |
| Noninterest expense to average assets | 2.8427% | 2,857 |
| Loan and lease loss provision to assets | 0.0141% | 3,971 |
| Net operating income to assets | 1.1723% | 1,730 |
| Return on assets (ROA) | 1.1725% | 1,839 |
| Pretax return on assets | 1.4577% | 1,860 |
| Return on Equity (ROE) | 10.9740% | 1,680 |
| Retained earnings to average equity (ytd only) | -1.6731% | 5,574 |
| Net charge-offs to loans | 0.0541% | 2,589 |
| Credit loss provision to net charge-offs | 44.6429% | 3,102 |
| Earnings coverage of net charge-offs (x) | 46.6695% | 1,127 |
| Efficiency ratio | 65.8923% | 3,609 |
| Assets per employee ($millions) | 3.8211% | 4,270 |
| Cash dividends to net income (ytd only)* | 115.2462% | 253 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4296% | 2,065 |
| Loan loss allowance to noncurrent loans | 48.3552% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.9869% | 783 |
| Noncurrent loans to loans | 2.9565% | 513 |
| Net loans and leases to total assets | 57.4691% | 4,142 |
| Net loans and leases to deposits | 65.1807% | 4,410 |
| Net loans and leases to core deposits | 66.6940% | 4,558 |
| Total domestic deposits to total assets | 88.1689% | 1,308 |
| Equity capital to assets | 10.6100% | 3,443 |
| Core capital (leverage) ratio | 10.8888% | 2,580 |
| Tier 1 risk-based capital ratio | 17.0609% | 2,202 |
| Total risk-based capital ratio | 18.3116% | 2,163 |
| Memoranda: |
| Average total assets | $473,623,500 | 1,446 |
| Average earning assets | $429,568,250 | 1,475 |
| Average equity | $50,603,000 | 1,506 |
| Average total loans | $276,199,500 | 1,633 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1575% | 2,649 |
| Cost of funding earning assets | 0.2193% | 4,944 |
| Net interest margin | 3.9382% | 1,846 |
| Noninterest income to average assets | 0.7656% | 1,861 |
| Noninterest expense to average assets | 2.8369% | 2,888 |
| Loan and lease loss provision to assets | 0.0212% | 3,710 |
| Net operating income to assets | 1.1957% | 1,619 |
| Return on assets (ROA) | 1.1957% | 1,710 |
| Pretax return on assets | 1.4836% | 1,728 |
| Return on Equity (ROE) | 11.1651% | 1,583 |
| Retained earnings to average equity (ytd only) | -5.4874% | 5,769 |
| Net charge-offs to loans | 0.0794% | 2,061 |
| Credit loss provision to net charge-offs | 45.8716% | 2,710 |
| Earnings coverage of net charge-offs (x) | 32.5138% | 1,334 |
| Efficiency ratio | 65.3399% | 3,787 |
| Assets per employee ($millions) | 3.9179% | 4,062 |
| Cash dividends to net income (ytd only)* | 149.1477% | 210 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4540% | 2,054 |
| Loan loss allowance to noncurrent loans | 51.9534% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.8763% | 899 |
| Noncurrent loans to loans | 2.7987% | 564 |
| Net loans and leases to total assets | 56.4816% | 4,255 |
| Net loans and leases to deposits | 63.9343% | 4,494 |
| Net loans and leases to core deposits | 65.5897% | 4,641 |
| Total domestic deposits to total assets | 88.3432% | 1,252 |
| Equity capital to assets | 10.4891% | 3,642 |
| Core capital (leverage) ratio | 10.6787% | 2,754 |
| Tier 1 risk-based capital ratio | 17.2085% | 2,152 |
| Total risk-based capital ratio | 18.4597% | 2,116 |
| Memoranda: |
| Average total assets | $471,011,670 | 1,456 |
| Average earning assets | $427,706,670 | 1,487 |
| Average equity | $50,443,000 | 1,519 |
| Average total loans | $274,698,330 | 1,644 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1655% | 2,604 |
| Cost of funding earning assets | 0.2198% | 5,005 |
| Net interest margin | 3.9456% | 1,796 |
| Noninterest income to average assets | 0.8300% | 1,519 |
| Noninterest expense to average assets | 2.8894% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2750% | 1,319 |
| Return on assets (ROA) | 1.2750% | 1,415 |
| Pretax return on assets | 1.5336% | 1,493 |
| Return on Equity (ROE) | 11.7799% | 1,376 |
| Retained earnings to average equity (ytd only) | -16.7967% | 5,928 |
| Net charge-offs to loans | 0.1037% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 25.1408% | 1,306 |
| Efficiency ratio | 65.3263% | 3,915 |
| Assets per employee ($millions) | 4.2368% | 3,520 |
| Cash dividends to net income (ytd only)* | 242.5876% | 177 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4625% | 2,149 |
| Loan loss allowance to noncurrent loans | 50.1126% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.9104% | 933 |
| Noncurrent loans to loans | 2.9185% | 566 |
| Net loans and leases to total assets | 56.3481% | 4,213 |
| Net loans and leases to deposits | 63.6393% | 4,466 |
| Net loans and leases to core deposits | 65.3540% | 4,589 |
| Total domestic deposits to total assets | 88.5430% | 1,334 |
| Equity capital to assets | 10.3354% | 3,700 |
| Core capital (leverage) ratio | 10.8452% | 2,576 |
| Tier 1 risk-based capital ratio | 17.1775% | 2,221 |
| Total risk-based capital ratio | 18.4288% | 2,188 |
| Memoranda: |
| Average total assets | $465,567,500 | 1,471 |
| Average earning assets | $423,962,500 | 1,497 |
| Average equity | $50,391,000 | 1,521 |
| Average total loans | $273,947,000 | 1,646 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3389% | 2,096 |
| Cost of funding earning assets | 0.2401% | 4,890 |
| Net interest margin | 4.0988% | 1,416 |
| Noninterest income to average assets | 0.7033% | 2,183 |
| Noninterest expense to average assets | 3.1124% | 2,197 |
| Loan and lease loss provision to assets | 0.0219% | 3,949 |
| Net operating income to assets | 1.0266% | 2,221 |
| Return on assets (ROA) | 1.0303% | 2,299 |
| Pretax return on assets | 1.2807% | 2,356 |
| Return on Equity (ROE) | 9.3932% | 2,275 |
| Retained earnings to average equity (ytd only) | 3.3118% | 3,693 |
| Net charge-offs to loans | 0.1375% | 1,976 |
| Credit loss provision to net charge-offs | 26.4550% | 3,690 |
| Earnings coverage of net charge-offs (x) | 15.7011% | 2,186 |
| Efficiency ratio | 70.5707% | 3,131 |
| Assets per employee ($millions) | 3.8015% | 4,290 |
| Cash dividends to net income (ytd only)* | 64.7421% | 1,497 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4866% | 2,073 |
| Loan loss allowance to noncurrent loans | 58.2976% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 1,012 |
| Noncurrent loans to loans | 2.5500% | 705 |
| Net loans and leases to total assets | 59.6944% | 3,879 |
| Net loans and leases to deposits | 68.4831% | 4,084 |
| Net loans and leases to core deposits | 70.4239% | 4,274 |
| Total domestic deposits to total assets | 87.1666% | 2,043 |
| Equity capital to assets | 11.3402% | 2,507 |
| Core capital (leverage) ratio | 11.6351% | 1,867 |
| Tier 1 risk-based capital ratio | 17.3905% | 2,155 |
| Total risk-based capital ratio | 18.6412% | 2,108 |
| Memoranda: |
| Average total assets | $457,265,000 | 1,471 |
| Average earning assets | $413,565,000 | 1,491 |
| Average equity | $50,153,400 | 1,485 |
| Average total loans | $274,832,200 | 1,593 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3333% | 2,127 |
| Cost of funding earning assets | 0.2428% | 4,962 |
| Net interest margin | 4.0905% | 1,433 |
| Noninterest income to average assets | 0.7244% | 2,131 |
| Noninterest expense to average assets | 3.1279% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0321% | 2,318 |
| Return on assets (ROA) | 1.0370% | 2,385 |
| Pretax return on assets | 1.2970% | 2,412 |
| Return on Equity (ROE) | 9.5346% | 2,300 |
| Retained earnings to average equity (ytd only) | 2.9839% | 4,325 |
| Net charge-offs to loans | 0.1081% | 2,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.9056% | 1,905 |
| Efficiency ratio | 70.7864% | 3,081 |
| Assets per employee ($millions) | 3.8471% | 4,184 |
| Cash dividends to net income (ytd only)* | 68.7045% | 1,080 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5140% | 2,097 |
| Loan loss allowance to noncurrent loans | 49.3017% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.2037% | 867 |
| Noncurrent loans to loans | 3.0710% | 565 |
| Net loans and leases to total assets | 57.7133% | 4,175 |
| Net loans and leases to deposits | 65.9938% | 4,388 |
| Net loans and leases to core deposits | 67.9170% | 4,543 |
| Total domestic deposits to total assets | 87.4527% | 1,821 |
| Equity capital to assets | 10.8730% | 3,165 |
| Core capital (leverage) ratio | 11.4113% | 2,114 |
| Tier 1 risk-based capital ratio | 17.2745% | 2,268 |
| Total risk-based capital ratio | 18.5258% | 2,222 |
| Memoranda: |
| Average total assets | $458,486,000 | 1,470 |
| Average earning assets | $414,086,000 | 1,500 |
| Average equity | $49,866,500 | 1,499 |
| Average total loans | $275,010,000 | 1,600 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3746% | 1,935 |
| Cost of funding earning assets | 0.2462% | 4,978 |
| Net interest margin | 4.1284% | 1,280 |
| Noninterest income to average assets | 0.7006% | 2,213 |
| Noninterest expense to average assets | 3.0551% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0739% | 2,040 |
| Return on assets (ROA) | 1.0812% | 2,114 |
| Pretax return on assets | 1.3745% | 2,087 |
| Return on Equity (ROE) | 9.9400% | 2,099 |
| Retained earnings to average equity (ytd only) | 2.4830% | 4,477 |
| Net charge-offs to loans | 0.2539% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.8971% | 2,518 |
| Efficiency ratio | 69.1133% | 3,468 |
| Assets per employee ($millions) | 3.6788% | 4,473 |
| Cash dividends to net income (ytd only)* | 75.0203% | 1,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4708% | 2,409 |
| Loan loss allowance to noncurrent loans | 50.2007% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.1012% | 1,025 |
| Noncurrent loans to loans | 2.9299% | 690 |
| Net loans and leases to total assets | 57.3956% | 4,173 |
| Net loans and leases to deposits | 65.4442% | 4,390 |
| Net loans and leases to core deposits | 67.6290% | 4,522 |
| Total domestic deposits to total assets | 87.7015% | 1,792 |
| Equity capital to assets | 10.6750% | 3,247 |
| Core capital (leverage) ratio | 11.2010% | 2,246 |
| Tier 1 risk-based capital ratio | 17.0427% | 2,387 |
| Total risk-based capital ratio | 18.2933% | 2,330 |
| Memoranda: |
| Average total assets | $456,150,000 | 1,488 |
| Average earning assets | $411,010,000 | 1,516 |
| Average equity | $49,617,670 | 1,511 |
| Average total loans | $275,752,670 | 1,595 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4407% | 1,635 |
| Cost of funding earning assets | 0.2552% | 4,962 |
| Net interest margin | 4.1854% | 1,096 |
| Noninterest income to average assets | 0.6799% | 2,256 |
| Noninterest expense to average assets | 3.1414% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0363% | 2,092 |
| Return on assets (ROA) | 1.0510% | 2,173 |
| Pretax return on assets | 1.3271% | 2,167 |
| Return on Equity (ROE) | 9.5697% | 2,192 |
| Retained earnings to average equity (ytd only) | -0.1293% | 5,401 |
| Net charge-offs to loans | 0.2998% | 792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.0865% | 2,209 |
| Efficiency ratio | 70.5964% | 3,379 |
| Assets per employee ($millions) | 3.9136% | 4,135 |
| Cash dividends to net income (ytd only)* | 101.3514% | 667 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4942% | 2,466 |
| Loan loss allowance to noncurrent loans | 49.5517% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.1751% | 1,059 |
| Noncurrent loans to loans | 3.0154% | 716 |
| Net loans and leases to total assets | 58.6751% | 3,848 |
| Net loans and leases to deposits | 66.9389% | 4,056 |
| Net loans and leases to core deposits | 69.4221% | 4,209 |
| Total domestic deposits to total assets | 87.6547% | 2,013 |
| Equity capital to assets | 10.6610% | 3,354 |
| Core capital (leverage) ratio | 11.3640% | 2,109 |
| Tier 1 risk-based capital ratio | 17.5670% | 2,278 |
| Total risk-based capital ratio | 18.8190% | 2,239 |
| Memoranda: |
| Average total assets | $450,622,500 | 1,519 |
| Average earning assets | $405,886,000 | 1,536 |
| Average equity | $49,489,500 | 1,522 |
| Average total loans | $277,550,000 | 1,569 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5315% | 1,755 |
| Cost of funding earning assets | 0.2767% | 5,030 |
| Net interest margin | 4.2548% | 1,156 |
| Noninterest income to average assets | 1.4457% | 581 |
| Noninterest expense to average assets | 3.0552% | 2,665 |
| Loan and lease loss provision to assets | 0.0905% | 2,655 |
| Net operating income to assets | 1.5653% | 767 |
| Return on assets (ROA) | 1.5767% | 779 |
| Pretax return on assets | 2.1682% | 345 |
| Return on Equity (ROE) | 13.8707% | 953 |
| Retained earnings to average equity (ytd only) | 6.0055% | 1,931 |
| Net charge-offs to loans | 0.3105% | 1,415 |
| Credit loss provision to net charge-offs | 46.8933% | 3,551 |
| Earnings coverage of net charge-offs (x) | 11.6178% | 2,470 |
| Efficiency ratio | 57.6640% | 5,499 |
| Assets per employee ($millions) | 3.6621% | 4,598 |
| Cash dividends to net income (ytd only)* | 56.7040% | 1,916 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5191% | 2,388 |
| Loan loss allowance to noncurrent loans | 42.2603% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 2.6759% | 835 |
| Noncurrent loans to loans | 3.5946% | 561 |
| Net loans and leases to total assets | 62.7475% | 3,399 |
| Net loans and leases to deposits | 72.2255% | 3,657 |
| Net loans and leases to core deposits | 74.5828% | 3,865 |
| Total domestic deposits to total assets | 86.8773% | 2,340 |
| Equity capital to assets | 11.7085% | 2,246 |
| Core capital (leverage) ratio | 11.5801% | 1,916 |
| Tier 1 risk-based capital ratio | 17.6961% | 2,239 |
| Total risk-based capital ratio | 18.9485% | 2,209 |
| Memoranda: |
| Average total assets | $441,798,800 | 1,507 |
| Average earning assets | $400,044,400 | 1,529 |
| Average equity | $50,221,000 | 1,435 |
| Average total loans | $274,682,600 | 1,550 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4986% | 1,877 |
| Cost of funding earning assets | 0.2783% | 5,115 |
| Net interest margin | 4.2203% | 1,223 |
| Noninterest income to average assets | 0.7134% | 2,266 |
| Noninterest expense to average assets | 3.0179% | 2,743 |
| Loan and lease loss provision to assets | 0.0902% | 2,550 |
| Net operating income to assets | 1.1210% | 1,957 |
| Return on assets (ROA) | 1.1372% | 1,973 |
| Pretax return on assets | 1.4524% | 1,796 |
| Return on Equity (ROE) | 10.0783% | 2,179 |
| Retained earnings to average equity (ytd only) | 5.6802% | 2,619 |
| Net charge-offs to loans | 0.0730% | 3,146 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 33.7325% | 1,271 |
| Efficiency ratio | 66.4767% | 4,142 |
| Assets per employee ($millions) | 3.8932% | 4,105 |
| Cash dividends to net income (ytd only)* | 43.6393% | 2,165 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7391% | 1,856 |
| Loan loss allowance to noncurrent loans | 41.7547% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 2.8904% | 834 |
| Noncurrent loans to loans | 4.1650% | 490 |
| Net loans and leases to total assets | 60.8404% | 3,650 |
| Net loans and leases to deposits | 70.0621% | 3,911 |
| Net loans and leases to core deposits | 72.2507% | 4,128 |
| Total domestic deposits to total assets | 86.8379% | 2,399 |
| Equity capital to assets | 11.5026% | 2,483 |
| Core capital (leverage) ratio | 11.2840% | 2,227 |
| Tier 1 risk-based capital ratio | 17.6483% | 2,336 |
| Total risk-based capital ratio | 18.9014% | 2,297 |
| Memoranda: |
| Average total assets | $443,302,000 | 1,511 |
| Average earning assets | $401,919,250 | 1,529 |
| Average equity | $50,020,250 | 1,449 |
| Average total loans | $273,937,500 | 1,560 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5223% | 1,759 |
| Cost of funding earning assets | 0.2804% | 5,174 |
| Net interest margin | 4.2420% | 1,149 |
| Noninterest income to average assets | 0.7025% | 2,265 |
| Noninterest expense to average assets | 3.0098% | 2,793 |
| Loan and lease loss provision to assets | 0.0905% | 2,517 |
| Net operating income to assets | 1.1340% | 1,805 |
| Return on assets (ROA) | 1.1584% | 1,801 |
| Pretax return on assets | 1.4752% | 1,621 |
| Return on Equity (ROE) | 10.3337% | 1,996 |
| Retained earnings to average equity (ytd only) | 5.8917% | 2,387 |
| Net charge-offs to loans | -0.0103% | 5,330 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2251% | 4,330 |
| Assets per employee ($millions) | 3.7258% | 4,405 |
| Cash dividends to net income (ytd only)* | 42.9855% | 2,269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7915% | 1,862 |
| Loan loss allowance to noncurrent loans | 41.0746% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.9522% | 867 |
| Noncurrent loans to loans | 4.3615% | 509 |
| Net loans and leases to total assets | 59.8977% | 3,732 |
| Net loans and leases to deposits | 68.7731% | 3,962 |
| Net loans and leases to core deposits | 72.3412% | 4,012 |
| Total domestic deposits to total assets | 87.0947% | 2,403 |
| Equity capital to assets | 11.4329% | 2,485 |
| Core capital (leverage) ratio | 11.0872% | 2,345 |
| Tier 1 risk-based capital ratio | 17.7475% | 2,328 |
| Total risk-based capital ratio | 19.0036% | 2,299 |
| Memoranda: |
| Average total assets | $441,830,330 | 1,518 |
| Average earning assets | $400,191,670 | 1,528 |
| Average equity | $49,527,330 | 1,451 |
| Average total loans | $272,845,330 | 1,567 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5681% | 1,590 |
| Cost of funding earning assets | 0.2849% | 5,221 |
| Net interest margin | 4.2831% | 1,031 |
| Noninterest income to average assets | 0.6503% | 2,460 |
| Noninterest expense to average assets | 2.8998% | 3,219 |
| Loan and lease loss provision to assets | 0.0911% | 2,402 |
| Net operating income to assets | 1.2067% | 1,470 |
| Return on assets (ROA) | 1.2067% | 1,533 |
| Pretax return on assets | 1.5337% | 1,331 |
| Return on Equity (ROE) | 10.8756% | 1,725 |
| Retained earnings to average equity (ytd only) | 6.3612% | 2,348 |
| Net charge-offs to loans | 0.0249% | 3,069 |
| Credit loss provision to net charge-offs | 588.2353% | 481 |
| Earnings coverage of net charge-offs (x) | 104.9412% | 438 |
| Efficiency ratio | 64.0902% | 4,844 |
| Assets per employee ($millions) | 3.8104% | 4,301 |
| Cash dividends to net income (ytd only)* | 41.5094% | 1,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7475% | 2,204 |
| Loan loss allowance to noncurrent loans | 39.4556% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 2.9055% | 996 |
| Noncurrent loans to loans | 4.4290% | 555 |
| Net loans and leases to total assets | 59.4487% | 3,645 |
| Net loans and leases to deposits | 67.9753% | 3,857 |
| Net loans and leases to core deposits | 72.1342% | 3,861 |
| Total domestic deposits to total assets | 87.4562% | 2,531 |
| Equity capital to assets | 10.9840% | 2,727 |
| Core capital (leverage) ratio | 11.1183% | 2,280 |
| Tier 1 risk-based capital ratio | 17.4663% | 2,484 |
| Total risk-based capital ratio | 18.7218% | 2,456 |
| Memoranda: |
| Average total assets | $439,198,500 | 1,534 |
| Average earning assets | $397,278,500 | 1,551 |
| Average equity | $48,733,000 | 1,471 |
| Average total loans | $272,926,000 | 1,568 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6661% | 1,668 |
| Cost of funding earning assets | 0.3658% | 4,997 |
| Net interest margin | 4.3003% | 1,106 |
| Noninterest income to average assets | 0.7489% | 2,293 |
| Noninterest expense to average assets | 3.1614% | 2,542 |
| Loan and lease loss provision to assets | 0.1599% | 2,283 |
| Net operating income to assets | 1.0763% | 2,011 |
| Return on assets (ROA) | 1.0806% | 2,071 |
| Pretax return on assets | 1.3221% | 2,067 |
| Return on Equity (ROE) | 9.9440% | 2,140 |
| Retained earnings to average equity (ytd only) | -0.6727% | 6,004 |
| Net charge-offs to loans | 0.3936% | 1,713 |
| Credit loss provision to net charge-offs | 65.7895% | 3,409 |
| Earnings coverage of net charge-offs (x) | 6.0752% | 3,137 |
| Efficiency ratio | 68.1608% | 4,167 |
| Assets per employee ($millions) | 3.5436% | 4,817 |
| Cash dividends to net income (ytd only)* | 106.7653% | 323 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7060% | 2,384 |
| Loan loss allowance to noncurrent loans | 42.9123% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 2.7947% | 1,172 |
| Noncurrent loans to loans | 3.9755% | 732 |
| Net loans and leases to total assets | 62.7679% | 3,240 |
| Net loans and leases to deposits | 72.0978% | 3,508 |
| Net loans and leases to core deposits | 75.0645% | 3,724 |
| Total domestic deposits to total assets | 87.0593% | 2,693 |
| Equity capital to assets | 11.2132% | 2,419 |
| Core capital (leverage) ratio | 11.2819% | 2,137 |
| Tier 1 risk-based capital ratio | 17.0208% | 2,596 |
| Total risk-based capital ratio | 18.2755% | 2,564 |
| Memoranda: |
| Average total assets | $437,716,800 | 1,514 |
| Average earning assets | $395,878,000 | 1,527 |
| Average equity | $47,566,600 | 1,474 |
| Average total loans | $270,330,800 | 1,552 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6099% | 1,870 |
| Cost of funding earning assets | 0.3867% | 4,931 |
| Net interest margin | 4.2233% | 1,271 |
| Noninterest income to average assets | 0.7482% | 2,374 |
| Noninterest expense to average assets | 3.1524% | 2,496 |
| Loan and lease loss provision to assets | 0.0606% | 3,834 |
| Net operating income to assets | 1.0938% | 2,029 |
| Return on assets (ROA) | 1.1004% | 2,077 |
| Pretax return on assets | 1.3665% | 2,055 |
| Return on Equity (ROE) | 10.2052% | 2,105 |
| Retained earnings to average equity (ytd only) | -2.3019% | 6,296 |
| Net charge-offs to loans | 0.2860% | 2,112 |
| Credit loss provision to net charge-offs | 34.6021% | 3,812 |
| Earnings coverage of net charge-offs (x) | 8.1003% | 2,681 |
| Efficiency ratio | 68.9605% | 3,920 |
| Assets per employee ($millions) | 3.7328% | 4,387 |
| Cash dividends to net income (ytd only)* | 122.5559% | 225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7442% | 2,474 |
| Loan loss allowance to noncurrent loans | 34.4427% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 3.6478% | 907 |
| Noncurrent loans to loans | 5.0641% | 585 |
| Net loans and leases to total assets | 60.5863% | 3,598 |
| Net loans and leases to deposits | 69.6173% | 3,835 |
| Net loans and leases to core deposits | 71.7855% | 4,120 |
| Total domestic deposits to total assets | 87.0276% | 2,676 |
| Equity capital to assets | 10.6715% | 3,099 |
| Core capital (leverage) ratio | 10.7957% | 2,676 |
| Tier 1 risk-based capital ratio | 16.8033% | 2,807 |
| Total risk-based capital ratio | 18.0586% | 2,754 |
| Memoranda: |
| Average total assets | $439,953,000 | 1,516 |
| Average earning assets | $398,260,500 | 1,530 |
| Average equity | $47,438,500 | 1,490 |
| Average total loans | $269,463,000 | 1,559 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6009% | 1,851 |
| Cost of funding earning assets | 0.4041% | 4,903 |
| Net interest margin | 4.1968% | 1,280 |
| Noninterest income to average assets | 0.6182% | 3,084 |
| Noninterest expense to average assets | 3.1157% | 2,618 |
| Loan and lease loss provision to assets | 0.0904% | 3,276 |
| Net operating income to assets | 1.0088% | 2,293 |
| Return on assets (ROA) | 1.0175% | 2,378 |
| Pretax return on assets | 1.2314% | 2,554 |
| Return on Equity (ROE) | 9.4047% | 2,454 |
| Retained earnings to average equity (ytd only) | -6.8967% | 6,563 |
| Net charge-offs to loans | 0.3160% | 1,923 |
| Credit loss provision to net charge-offs | 46.8384% | 3,276 |
| Earnings coverage of net charge-offs (x) | 6.7916% | 2,653 |
| Efficiency ratio | 70.3779% | 3,755 |
| Assets per employee ($millions) | 3.6588% | 4,501 |
| Cash dividends to net income (ytd only)* | 173.3333% | 142 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7911% | 2,460 |
| Loan loss allowance to noncurrent loans | 43.2452% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 2.7622% | 1,500 |
| Noncurrent loans to loans | 4.1418% | 920 |
| Net loans and leases to total assets | 58.5791% | 3,891 |
| Net loans and leases to deposits | 67.5569% | 4,073 |
| Net loans and leases to core deposits | 70.8430% | 4,182 |
| Total domestic deposits to total assets | 86.7107% | 2,993 |
| Equity capital to assets | 10.1027% | 3,786 |
| Core capital (leverage) ratio | 10.2125% | 3,209 |
| Tier 1 risk-based capital ratio | 16.4966% | 2,939 |
| Total risk-based capital ratio | 17.7292% | 2,904 |
| Memoranda: |
| Average total assets | $442,269,330 | 1,501 |
| Average earning assets | $401,403,670 | 1,515 |
| Average equity | $47,848,670 | 1,489 |
| Average total loans | $270,284,670 | 1,557 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6058% | 1,808 |
| Cost of funding earning assets | 0.4305% | 4,800 |
| Net interest margin | 4.1753% | 1,257 |
| Noninterest income to average assets | 0.6259% | 3,005 |
| Noninterest expense to average assets | 3.2337% | 2,256 |
| Loan and lease loss provision to assets | 0.1825% | 2,027 |
| Net operating income to assets | 0.8632% | 2,845 |
| Return on assets (ROA) | 0.8632% | 2,982 |
| Pretax return on assets | 0.9882% | 3,403 |
| Return on Equity (ROE) | 7.7162% | 3,108 |
| Retained earnings to average equity (ytd only) | 2.8222% | 4,592 |
| Net charge-offs to loans | 0.1475% | 2,521 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 12.8300% | 1,569 |
| Efficiency ratio | 73.4203% | 3,366 |
| Assets per employee ($millions) | 3.7156% | 4,521 |
| Cash dividends to net income (ytd only)* | 63.4249% | 1,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8799% | 2,366 |
| Loan loss allowance to noncurrent loans | 42.7952% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 3.0328% | 1,474 |
| Noncurrent loans to loans | 4.3927% | 970 |
| Net loans and leases to total assets | 59.6152% | 3,499 |
| Net loans and leases to deposits | 69.3077% | 3,599 |
| Net loans and leases to core deposits | 73.7729% | 3,608 |
| Total domestic deposits to total assets | 86.0153% | 3,520 |
| Equity capital to assets | 10.9315% | 3,040 |
| Core capital (leverage) ratio | 11.0475% | 2,222 |
| Tier 1 risk-based capital ratio | 17.3201% | 2,638 |
| Total risk-based capital ratio | 18.5771% | 2,599 |
| Memoranda: |
| Average total assets | $438,385,000 | 1,534 |
| Average earning assets | $396,714,000 | 1,544 |
| Average equity | $49,040,000 | 1,478 |
| Average total loans | $271,209,000 | 1,563 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0566% | 1,413 |
| Cost of funding earning assets | 0.5510% | 4,808 |
| Net interest margin | 4.5055% | 940 |
| Noninterest income to average assets | 0.6241% | 3,146 |
| Noninterest expense to average assets | 3.0684% | 3,018 |
| Loan and lease loss provision to assets | 0.4296% | 1,488 |
| Net operating income to assets | 1.0189% | 2,258 |
| Return on assets (ROA) | 1.0289% | 2,421 |
| Pretax return on assets | 1.2118% | 2,762 |
| Return on Equity (ROE) | 9.4055% | 2,441 |
| Retained earnings to average equity (ytd only) | 4.5359% | 3,031 |
| Net charge-offs to loans | 0.5801% | 1,987 |
| Credit loss provision to net charge-offs | 120.5471% | 2,377 |
| Earnings coverage of net charge-offs (x) | 4.5732% | 3,323 |
| Efficiency ratio | 65.3124% | 4,643 |
| Assets per employee ($millions) | 3.6512% | 4,672 |
| Cash dividends to net income (ytd only)* | 51.7735% | 2,232 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8699% | 2,386 |
| Loan loss allowance to noncurrent loans | 43.6876% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 3.0113% | 1,576 |
| Noncurrent loans to loans | 4.2802% | 1,034 |
| Net loans and leases to total assets | 61.8530% | 3,272 |
| Net loans and leases to deposits | 73.5749% | 3,160 |
| Net loans and leases to core deposits | 78.1044% | 3,246 |
| Total domestic deposits to total assets | 84.0681% | 4,286 |
| Equity capital to assets | 11.4549% | 2,492 |
| Core capital (leverage) ratio | 11.2628% | 2,045 |
| Tier 1 risk-based capital ratio | 17.5410% | 2,442 |
| Total risk-based capital ratio | 18.7979% | 2,406 |
| Memoranda: |
| Average total assets | $441,144,200 | 1,495 |
| Average earning assets | $398,886,400 | 1,509 |
| Average equity | $48,259,200 | 1,450 |
| Average total loans | $270,976,000 | 1,533 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0676% | 1,506 |
| Cost of funding earning assets | 0.5730% | 4,884 |
| Net interest margin | 4.4946% | 1,001 |
| Noninterest income to average assets | 0.6504% | 2,993 |
| Noninterest expense to average assets | 3.0553% | 3,039 |
| Loan and lease loss provision to assets | 0.4648% | 1,333 |
| Net operating income to assets | 1.0244% | 2,391 |
| Return on assets (ROA) | 1.0279% | 2,592 |
| Pretax return on assets | 1.2058% | 2,976 |
| Return on Equity (ROE) | 9.5041% | 2,584 |
| Retained earnings to average equity (ytd only) | 4.6522% | 3,619 |
| Net charge-offs to loans | 0.4510% | 2,302 |
| Credit loss provision to net charge-offs | 168.8453% | 1,649 |
| Earnings coverage of net charge-offs (x) | 6.0534% | 2,859 |
| Efficiency ratio | 64.7085% | 4,677 |
| Assets per employee ($millions) | 3.8015% | 4,302 |
| Cash dividends to net income (ytd only)* | 51.0503% | 1,643 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9775% | 2,231 |
| Loan loss allowance to noncurrent loans | 49.6470% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.8115% | 1,871 |
| Noncurrent loans to loans | 3.9831% | 1,288 |
| Net loans and leases to total assets | 60.0713% | 3,770 |
| Net loans and leases to deposits | 71.3121% | 3,703 |
| Net loans and leases to core deposits | 75.9688% | 3,733 |
| Total domestic deposits to total assets | 84.2371% | 4,112 |
| Equity capital to assets | 11.1743% | 3,064 |
| Core capital (leverage) ratio | 10.8211% | 2,571 |
| Tier 1 risk-based capital ratio | 17.3014% | 2,607 |
| Total risk-based capital ratio | 18.5597% | 2,566 |
| Memoranda: |
| Average total assets | $444,633,500 | 1,496 |
| Average earning assets | $402,759,000 | 1,513 |
| Average equity | $48,090,500 | 1,471 |
| Average total loans | $271,404,250 | 1,534 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1504% | 1,377 |
| Cost of funding earning assets | 0.6017% | 4,886 |
| Net interest margin | 4.5487% | 908 |
| Noninterest income to average assets | 0.6370% | 3,024 |
| Noninterest expense to average assets | 3.1046% | 2,916 |
| Loan and lease loss provision to assets | 0.4710% | 1,356 |
| Net operating income to assets | 1.0193% | 2,385 |
| Return on assets (ROA) | 1.0322% | 2,551 |
| Pretax return on assets | 1.1928% | 2,951 |
| Return on Equity (ROE) | 9.6487% | 2,514 |
| Retained earnings to average equity (ytd only) | 4.8265% | 3,388 |
| Net charge-offs to loans | 0.4474% | 2,264 |
| Credit loss provision to net charge-offs | 172.6974% | 1,627 |
| Earnings coverage of net charge-offs (x) | 6.0461% | 2,710 |
| Efficiency ratio | 65.3109% | 4,668 |
| Assets per employee ($millions) | 3.6131% | 4,724 |
| Cash dividends to net income (ytd only)* | 49.9783% | 1,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9255% | 2,458 |
| Loan loss allowance to noncurrent loans | 49.9273% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 2.7006% | 2,041 |
| Noncurrent loans to loans | 3.8566% | 1,448 |
| Net loans and leases to total assets | 58.1258% | 4,136 |
| Net loans and leases to deposits | 68.4878% | 4,122 |
| Net loans and leases to core deposits | 72.9871% | 4,169 |
| Total domestic deposits to total assets | 84.8703% | 3,917 |
| Equity capital to assets | 10.6609% | 3,500 |
| Core capital (leverage) ratio | 10.6562% | 2,653 |
| Tier 1 risk-based capital ratio | 17.2044% | 2,586 |
| Total risk-based capital ratio | 18.4619% | 2,543 |
| Memoranda: |
| Average total assets | $445,852,000 | 1,497 |
| Average earning assets | $403,500,330 | 1,515 |
| Average equity | $47,695,330 | 1,474 |
| Average total loans | $271,790,670 | 1,540 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2538% | 1,199 |
| Cost of funding earning assets | 0.6386% | 4,827 |
| Net interest margin | 4.6152% | 803 |
| Noninterest income to average assets | 0.7233% | 2,542 |
| Noninterest expense to average assets | 3.2238% | 2,524 |
| Loan and lease loss provision to assets | 0.5418% | 1,091 |
| Net operating income to assets | 1.0011% | 2,479 |
| Return on assets (ROA) | 1.0276% | 2,558 |
| Pretax return on assets | 1.1577% | 3,080 |
| Return on Equity (ROE) | 9.5895% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.9549% | 3,583 |
| Net charge-offs to loans | 0.3739% | 2,184 |
| Credit loss provision to net charge-offs | 234.3750% | 1,205 |
| Earnings coverage of net charge-offs (x) | 7.2227% | 2,101 |
| Efficiency ratio | 65.8793% | 4,575 |
| Assets per employee ($millions) | 3.7460% | 4,548 |
| Cash dividends to net income (ytd only)* | 48.3304% | 1,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8653% | 2,786 |
| Loan loss allowance to noncurrent loans | 47.5277% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.7767% | 2,109 |
| Noncurrent loans to loans | 3.9246% | 1,567 |
| Net loans and leases to total assets | 58.6863% | 3,923 |
| Net loans and leases to deposits | 69.9456% | 3,747 |
| Net loans and leases to core deposits | 74.6934% | 3,800 |
| Total domestic deposits to total assets | 83.9028% | 4,540 |
| Equity capital to assets | 10.5393% | 3,442 |
| Core capital (leverage) ratio | 10.5675% | 2,677 |
| Tier 1 risk-based capital ratio | 16.6932% | 2,815 |
| Total risk-based capital ratio | 17.9498% | 2,767 |
| Memoranda: |
| Average total assets | $442,957,500 | 1,503 |
| Average earning assets | $400,244,500 | 1,516 |
| Average equity | $47,468,500 | 1,475 |
| Average total loans | $273,849,000 | 1,538 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3406% | 1,595 |
| Cost of funding earning assets | 0.7998% | 4,877 |
| Net interest margin | 4.5408% | 1,041 |
| Noninterest income to average assets | 0.6554% | 2,855 |
| Noninterest expense to average assets | 3.2020% | 2,859 |
| Loan and lease loss provision to assets | 0.5018% | 2,097 |
| Net operating income to assets | 0.9286% | 2,491 |
| Return on assets (ROA) | 0.9330% | 2,594 |
| Pretax return on assets | 1.0596% | 3,001 |
| Return on Equity (ROE) | 8.8345% | 2,530 |
| Retained earnings to average equity (ytd only) | 3.6504% | 3,612 |
| Net charge-offs to loans | 0.6557% | 2,511 |
| Credit loss provision to net charge-offs | 120.6802% | 2,635 |
| Earnings coverage of net charge-offs (x) | 3.7427% | 3,406 |
| Efficiency ratio | 67.2915% | 4,518 |
| Assets per employee ($millions) | 3.5463% | 4,899 |
| Cash dividends to net income (ytd only)* | 58.6797% | 1,625 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7033% | 3,187 |
| Loan loss allowance to noncurrent loans | 46.5291% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 3.0235% | 1,986 |
| Noncurrent loans to loans | 3.6607% | 1,727 |
| Net loans and leases to total assets | 62.8511% | 3,439 |
| Net loans and leases to deposits | 75.5524% | 3,249 |
| Net loans and leases to core deposits | 80.5573% | 3,380 |
| Total domestic deposits to total assets | 83.1888% | 4,676 |
| Equity capital to assets | 10.9016% | 3,075 |
| Core capital (leverage) ratio | 10.7060% | 2,517 |
| Tier 1 risk-based capital ratio | 16.4129% | 2,856 |
| Total risk-based capital ratio | 17.6680% | 2,824 |
| Memoranda: |
| Average total assets | $438,381,200 | 1,489 |
| Average earning assets | $396,117,000 | 1,503 |
| Average equity | $46,296,000 | 1,473 |
| Average total loans | $278,041,400 | 1,530 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3238% | 1,773 |
| Cost of funding earning assets | 0.8304% | 4,942 |
| Net interest margin | 4.4934% | 1,169 |
| Noninterest income to average assets | 0.6791% | 2,725 |
| Noninterest expense to average assets | 3.2125% | 2,794 |
| Loan and lease loss provision to assets | 0.5154% | 1,924 |
| Net operating income to assets | 0.8930% | 2,767 |
| Return on assets (ROA) | 0.8988% | 2,891 |
| Pretax return on assets | 1.0210% | 3,324 |
| Return on Equity (ROE) | 8.5793% | 2,790 |
| Retained earnings to average equity (ytd only) | 3.3710% | 4,330 |
| Net charge-offs to loans | 0.5771% | 2,522 |
| Credit loss provision to net charge-offs | 141.0788% | 2,254 |
| Earnings coverage of net charge-offs (x) | 4.1875% | 3,152 |
| Efficiency ratio | 67.7428% | 4,365 |
| Assets per employee ($millions) | 3.7082% | 4,522 |
| Cash dividends to net income (ytd only)* | 60.7083% | 1,158 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7303% | 3,169 |
| Loan loss allowance to noncurrent loans | 46.9936% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 3.0437% | 2,106 |
| Noncurrent loans to loans | 3.6820% | 1,856 |
| Net loans and leases to total assets | 61.6456% | 3,807 |
| Net loans and leases to deposits | 73.4415% | 3,733 |
| Net loans and leases to core deposits | 78.0817% | 3,897 |
| Total domestic deposits to total assets | 83.9384% | 4,259 |
| Equity capital to assets | 10.6106% | 3,559 |
| Core capital (leverage) ratio | 10.4501% | 2,929 |
| Tier 1 risk-based capital ratio | 16.0282% | 3,102 |
| Total risk-based capital ratio | 17.2835% | 3,061 |
| Memoranda: |
| Average total assets | $439,813,750 | 1,494 |
| Average earning assets | $397,701,500 | 1,511 |
| Average equity | $46,078,500 | 1,478 |
| Average total loans | $278,392,250 | 1,539 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3331% | 1,777 |
| Cost of funding earning assets | 0.8585% | 4,995 |
| Net interest margin | 4.4746% | 1,192 |
| Noninterest income to average assets | 0.6588% | 2,769 |
| Noninterest expense to average assets | 3.3541% | 2,389 |
| Loan and lease loss provision to assets | 0.4565% | 2,141 |
| Net operating income to assets | 0.8179% | 2,992 |
| Return on assets (ROA) | 0.8204% | 3,098 |
| Pretax return on assets | 0.8957% | 3,628 |
| Return on Equity (ROE) | 7.8644% | 3,006 |
| Retained earnings to average equity (ytd only) | 2.6127% | 4,629 |
| Net charge-offs to loans | 0.5903% | 2,345 |
| Credit loss provision to net charge-offs | 121.8027% | 2,503 |
| Earnings coverage of net charge-offs (x) | 3.6005% | 3,113 |
| Efficiency ratio | 71.3093% | 3,877 |
| Assets per employee ($millions) | 3.5077% | 4,924 |
| Cash dividends to net income (ytd only)* | 66.7780% | 1,121 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6376% | 3,546 |
| Loan loss allowance to noncurrent loans | 40.7695% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 3.2231% | 2,080 |
| Noncurrent loans to loans | 4.0167% | 1,723 |
| Net loans and leases to total assets | 61.3475% | 4,017 |
| Net loans and leases to deposits | 73.0019% | 3,956 |
| Net loans and leases to core deposits | 78.3774% | 4,013 |
| Total domestic deposits to total assets | 84.0354% | 4,335 |
| Equity capital to assets | 10.4907% | 3,517 |
| Core capital (leverage) ratio | 10.2975% | 2,938 |
| Tier 1 risk-based capital ratio | 15.9778% | 2,982 |
| Total risk-based capital ratio | 17.2318% | 2,949 |
| Memoranda: |
| Average total assets | $438,089,330 | 1,514 |
| Average earning assets | $396,017,000 | 1,528 |
| Average equity | $45,699,330 | 1,479 |
| Average total loans | $278,141,330 | 1,556 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3525% | 1,718 |
| Cost of funding earning assets | 0.8698% | 5,136 |
| Net interest margin | 4.4827% | 1,110 |
| Noninterest income to average assets | 0.7695% | 2,161 |
| Noninterest expense to average assets | 3.5566% | 1,859 |
| Loan and lease loss provision to assets | 0.5503% | 1,572 |
| Net operating income to assets | 0.7089% | 3,483 |
| Return on assets (ROA) | 0.7089% | 3,550 |
| Pretax return on assets | 0.7227% | 4,209 |
| Return on Equity (ROE) | 6.8157% | 3,481 |
| Retained earnings to average equity (ytd only) | 1.5254% | 5,199 |
| Net charge-offs to loans | 1.1296% | 1,230 |
| Credit loss provision to net charge-offs | 76.0456% | 3,234 |
| Earnings coverage of net charge-offs (x) | 1.7592% | 3,426 |
| Efficiency ratio | 73.6422% | 3,582 |
| Assets per employee ($millions) | 3.5416% | 4,897 |
| Cash dividends to net income (ytd only)* | 77.6197% | 878 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4988% | 4,219 |
| Loan loss allowance to noncurrent loans | 36.0741% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 3.1866% | 2,168 |
| Noncurrent loans to loans | 4.1547% | 1,729 |
| Net loans and leases to total assets | 61.5500% | 3,956 |
| Net loans and leases to deposits | 73.0950% | 3,909 |
| Net loans and leases to core deposits | 79.0145% | 3,883 |
| Total domestic deposits to total assets | 84.2054% | 4,409 |
| Equity capital to assets | 10.2799% | 3,433 |
| Core capital (leverage) ratio | 10.3075% | 2,800 |
| Tier 1 risk-based capital ratio | 15.9414% | 2,927 |
| Total risk-based capital ratio | 17.1942% | 2,897 |
| Memoranda: |
| Average total assets | $436,148,500 | 1,523 |
| Average earning assets | $395,028,500 | 1,539 |
| Average equity | $45,366,000 | 1,480 |
| Average total loans | $279,386,000 | 1,568 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5423% | 2,116 |
| Cost of funding earning assets | 1.1098% | 5,088 |
| Net interest margin | 4.4326% | 1,394 |
| Noninterest income to average assets | 0.7413% | 2,583 |
| Noninterest expense to average assets | 3.4037% | 2,430 |
| Loan and lease loss provision to assets | 0.5274% | 3,041 |
| Net operating income to assets | 0.7433% | 3,027 |
| Return on assets (ROA) | 0.7452% | 3,143 |
| Pretax return on assets | 0.8099% | 3,596 |
| Return on Equity (ROE) | 7.4572% | 2,914 |
| Retained earnings to average equity (ytd only) | 1.8356% | 4,577 |
| Net charge-offs to loans | 0.6981% | 2,914 |
| Credit loss provision to net charge-offs | 117.7675% | 3,618 |
| Earnings coverage of net charge-offs (x) | 2.9816% | 3,581 |
| Efficiency ratio | 71.8246% | 3,826 |
| Assets per employee ($millions) | 3.3827% | 5,211 |
| Cash dividends to net income (ytd only)* | 75.3846% | 1,008 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5364% | 3,834 |
| Loan loss allowance to noncurrent loans | 34.7078% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 3.3301% | 2,123 |
| Noncurrent loans to loans | 4.4268% | 1,613 |
| Net loans and leases to total assets | 64.6674% | 3,732 |
| Net loans and leases to deposits | 79.1606% | 3,312 |
| Net loans and leases to core deposits | 84.2929% | 3,554 |
| Total domestic deposits to total assets | 81.6913% | 5,296 |
| Equity capital to assets | 10.5268% | 3,131 |
| Core capital (leverage) ratio | 10.4049% | 2,663 |
| Tier 1 risk-based capital ratio | 15.7243% | 2,878 |
| Total risk-based capital ratio | 16.9777% | 2,842 |
| Memoranda: |
| Average total assets | $436,118,200 | 1,530 |
| Average earning assets | $393,317,600 | 1,539 |
| Average equity | $43,582,000 | 1,526 |
| Average total loans | $279,743,400 | 1,599 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5513% | 2,249 |
| Cost of funding earning assets | 1.1517% | 5,137 |
| Net interest margin | 4.3996% | 1,527 |
| Noninterest income to average assets | 0.7252% | 2,675 |
| Noninterest expense to average assets | 3.4485% | 2,159 |
| Loan and lease loss provision to assets | 0.5026% | 2,946 |
| Net operating income to assets | 0.6958% | 3,433 |
| Return on assets (ROA) | 0.6984% | 3,575 |
| Pretax return on assets | 0.7410% | 4,114 |
| Return on Equity (ROE) | 7.0816% | 3,307 |
| Retained earnings to average equity (ytd only) | 1.3681% | 5,261 |
| Net charge-offs to loans | 0.2723% | 4,313 |
| Credit loss provision to net charge-offs | 289.4737% | 1,111 |
| Earnings coverage of net charge-offs (x) | 7.1474% | 2,381 |
| Efficiency ratio | 73.5386% | 3,407 |
| Assets per employee ($millions) | 3.4740% | 5,046 |
| Cash dividends to net income (ytd only)* | 80.6804% | 636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8153% | 2,736 |
| Loan loss allowance to noncurrent loans | 35.0921% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 3.8377% | 1,849 |
| Noncurrent loans to loans | 5.1731% | 1,321 |
| Net loans and leases to total assets | 62.1276% | 4,502 |
| Net loans and leases to deposits | 74.1424% | 4,482 |
| Net loans and leases to core deposits | 78.9479% | 4,673 |
| Total domestic deposits to total assets | 83.7950% | 4,235 |
| Equity capital to assets | 9.9782% | 4,182 |
| Core capital (leverage) ratio | 10.1766% | 3,067 |
| Tier 1 risk-based capital ratio | 15.5618% | 2,966 |
| Total risk-based capital ratio | 16.8186% | 2,922 |
| Memoranda: |
| Average total assets | $437,747,750 | 1,547 |
| Average earning assets | $394,420,250 | 1,557 |
| Average equity | $43,171,750 | 1,543 |
| Average total loans | $279,142,750 | 1,628 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5648% | 2,272 |
| Cost of funding earning assets | 1.1682% | 5,298 |
| Net interest margin | 4.3967% | 1,454 |
| Noninterest income to average assets | 0.6418% | 3,054 |
| Noninterest expense to average assets | 3.4283% | 2,195 |
| Loan and lease loss provision to assets | 0.4581% | 3,030 |
| Net operating income to assets | 0.6935% | 3,428 |
| Return on assets (ROA) | 0.6935% | 3,585 |
| Pretax return on assets | 0.7174% | 4,173 |
| Return on Equity (ROE) | 7.0603% | 3,275 |
| Retained earnings to average equity (ytd only) | 1.2311% | 5,259 |
| Net charge-offs to loans | 0.1834% | 4,511 |
| Credit loss provision to net charge-offs | 390.6250% | 929 |
| Earnings coverage of net charge-offs (x) | 10.0234% | 1,945 |
| Efficiency ratio | 74.4677% | 3,381 |
| Assets per employee ($millions) | 3.3211% | 5,382 |
| Cash dividends to net income (ytd only)* | 82.5627% | 714 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6965% | 3,098 |
| Loan loss allowance to noncurrent loans | 37.2481% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 3.4388% | 2,048 |
| Noncurrent loans to loans | 4.5547% | 1,595 |
| Net loans and leases to total assets | 62.5453% | 4,573 |
| Net loans and leases to deposits | 75.0815% | 4,503 |
| Net loans and leases to core deposits | 81.6255% | 4,476 |
| Total domestic deposits to total assets | 83.3033% | 4,438 |
| Equity capital to assets | 9.8997% | 4,141 |
| Core capital (leverage) ratio | 9.9885% | 3,176 |
| Tier 1 risk-based capital ratio | 15.6276% | 2,839 |
| Total risk-based capital ratio | 16.8827% | 2,802 |
| Memoranda: |
| Average total assets | $436,596,330 | 1,559 |
| Average earning assets | $393,435,000 | 1,577 |
| Average equity | $42,887,670 | 1,548 |
| Average total loans | $279,131,670 | 1,641 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4959% | 2,596 |
| Cost of funding earning assets | 1.1671% | 5,568 |
| Net interest margin | 4.3288% | 1,601 |
| Noninterest income to average assets | 0.6849% | 2,699 |
| Noninterest expense to average assets | 3.5722% | 1,799 |
| Loan and lease loss provision to assets | 0.1836% | 4,673 |
| Net operating income to assets | 0.7482% | 3,221 |
| Return on assets (ROA) | 0.7482% | 3,327 |
| Pretax return on assets | 0.8244% | 3,771 |
| Return on Equity (ROE) | 7.6468% | 3,048 |
| Retained earnings to average equity (ytd only) | 2.0173% | 4,922 |
| Net charge-offs to loans | 0.0902% | 4,512 |
| Credit loss provision to net charge-offs | 317.4603% | 1,253 |
| Earnings coverage of net charge-offs (x) | 17.4286% | 1,284 |
| Efficiency ratio | 77.9916% | 2,897 |
| Assets per employee ($millions) | 3.5139% | 4,997 |
| Cash dividends to net income (ytd only)* | 73.6196% | 958 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4781% | 4,024 |
| Loan loss allowance to noncurrent loans | 31.1909% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 3.2860% | 2,179 |
| Noncurrent loans to loans | 4.7390% | 1,558 |
| Net loans and leases to total assets | 61.1273% | 4,921 |
| Net loans and leases to deposits | 72.3849% | 5,001 |
| Net loans and leases to core deposits | 82.6947% | 4,394 |
| Total domestic deposits to total assets | 84.4476% | 3,916 |
| Equity capital to assets | 9.5119% | 4,515 |
| Core capital (leverage) ratio | 10.2961% | 2,814 |
| Tier 1 risk-based capital ratio | 15.4016% | 2,919 |
| Total risk-based capital ratio | 16.6538% | 2,869 |
| Memoranda: |
| Average total assets | $435,701,500 | 1,606 |
| Average earning assets | $392,076,000 | 1,618 |
| Average equity | $42,632,000 | 1,570 |
| Average total loans | $279,236,500 | 1,686 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8331% | 2,514 |
| Cost of funding earning assets | 1.5659% | 5,197 |
| Net interest margin | 4.2672% | 1,828 |
| Noninterest income to average assets | 0.7425% | 2,725 |
| Noninterest expense to average assets | 3.4514% | 2,522 |
| Loan and lease loss provision to assets | 0.3147% | 4,930 |
| Net operating income to assets | 0.6908% | 2,969 |
| Return on assets (ROA) | 0.8001% | 2,622 |
| Pretax return on assets | 0.9655% | 2,713 |
| Return on Equity (ROE) | 7.9890% | 2,379 |
| Retained earnings to average equity (ytd only) | 2.1876% | 3,577 |
| Net charge-offs to loans | 0.1779% | 5,528 |
| Credit loss provision to net charge-offs | 269.7095% | 1,286 |
| Earnings coverage of net charge-offs (x) | 9.8423% | 1,752 |
| Efficiency ratio | 75.0316% | 3,707 |
| Assets per employee ($millions) | 3.3462% | 5,385 |
| Cash dividends to net income (ytd only)* | 72.6172% | 1,459 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4273% | 4,089 |
| Loan loss allowance to noncurrent loans | 30.3478% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 3.4481% | 1,951 |
| Noncurrent loans to loans | 4.7032% | 1,487 |
| Net loans and leases to total assets | 65.3241% | 4,317 |
| Net loans and leases to deposits | 78.1909% | 4,331 |
| Net loans and leases to core deposits | 101.4427% | 3,854 |
| Total domestic deposits to total assets | 83.5444% | 4,260 |
| Equity capital to assets | 10.0757% | 3,653 |
| Core capital (leverage) ratio | 10.5133% | 2,593 |
| Tier 1 risk-based capital ratio | 15.3829% | 2,765 |
| Total risk-based capital ratio | 16.6349% | 2,722 |
| Memoranda: |
| Average total assets | $413,053,600 | 1,670 |
| Average earning assets | $373,383,600 | 1,683 |
| Average equity | $41,369,600 | 1,616 |
| Average total loans | $270,900,000 | 1,771 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8451% | 2,683 |
| Cost of funding earning assets | 1.6378% | 5,216 |
| Net interest margin | 4.2074% | 2,031 |
| Noninterest income to average assets | 0.7525% | 2,696 |
| Noninterest expense to average assets | 3.4345% | 2,464 |
| Loan and lease loss provision to assets | 0.1622% | 5,729 |
| Net operating income to assets | 0.7891% | 2,863 |
| Return on assets (ROA) | 0.8702% | 2,606 |
| Pretax return on assets | 1.0623% | 2,700 |
| Return on Equity (ROE) | 8.7023% | 2,372 |
| Retained earnings to average equity (ytd only) | 2.8618% | 3,730 |
| Net charge-offs to loans | 0.1215% | 5,483 |
| Credit loss provision to net charge-offs | 204.0816% | 2,182 |
| Earnings coverage of net charge-offs (x) | 14.1591% | 1,620 |
| Efficiency ratio | 75.3166% | 3,637 |
| Assets per employee ($millions) | 3.4301% | 5,096 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2457% | 4,864 |
| Loan loss allowance to noncurrent loans | 30.5722% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 2.9948% | 2,315 |
| Noncurrent loans to loans | 4.0746% | 1,800 |
| Net loans and leases to total assets | 63.8372% | 4,898 |
| Net loans and leases to deposits | 79.8744% | 4,407 |
| Net loans and leases to core deposits | 99.2702% | 4,454 |
| Total domestic deposits to total assets | 79.9219% | 5,458 |
| Equity capital to assets | 9.8440% | 4,292 |
| Core capital (leverage) ratio | 10.6247% | 2,690 |
| Tier 1 risk-based capital ratio | 15.4791% | 2,837 |
| Total risk-based capital ratio | 16.6896% | 2,793 |
| Memoranda: |
| Average total assets | $410,912,250 | 1,697 |
| Average earning assets | $371,879,500 | 1,703 |
| Average equity | $41,091,750 | 1,647 |
| Average total loans | $268,773,250 | 1,805 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8477% | 2,819 |
| Cost of funding earning assets | 1.7040% | 5,253 |
| Net interest margin | 4.1437% | 2,182 |
| Noninterest income to average assets | 0.7752% | 2,551 |
| Noninterest expense to average assets | 3.5080% | 2,314 |
| Loan and lease loss provision to assets | 0.0739% | 6,452 |
| Net operating income to assets | 0.8033% | 2,843 |
| Return on assets (ROA) | 0.8732% | 2,666 |
| Pretax return on assets | 1.0263% | 2,900 |
| Return on Equity (ROE) | 8.6843% | 2,480 |
| Retained earnings to average equity (ytd only) | 2.8066% | 3,760 |
| Net charge-offs to loans | 0.0915% | 5,270 |
| Credit loss provision to net charge-offs | 122.9508% | 3,782 |
| Earnings coverage of net charge-offs (x) | 16.9426% | 1,511 |
| Efficiency ratio | 77.5082% | 3,416 |
| Assets per employee ($millions) | 3.2446% | 5,465 |
| Cash dividends to net income (ytd only)* | 67.6819% | 1,444 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2012% | 4,931 |
| Loan loss allowance to noncurrent loans | 34.7798% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 2.5586% | 2,521 |
| Noncurrent loans to loans | 3.4536% | 2,035 |
| Net loans and leases to total assets | 63.3371% | 5,113 |
| Net loans and leases to deposits | 79.5700% | 4,608 |
| Net loans and leases to core deposits | 96.9390% | 4,799 |
| Total domestic deposits to total assets | 79.5992% | 5,590 |
| Equity capital to assets | 9.9454% | 4,024 |
| Core capital (leverage) ratio | 10.6994% | 2,668 |
| Tier 1 risk-based capital ratio | 15.7812% | 2,701 |
| Total risk-based capital ratio | 16.9413% | 2,667 |
| Memoranda: |
| Average total assets | $406,104,670 | 1,730 |
| Average earning assets | $367,597,330 | 1,745 |
| Average equity | $40,832,330 | 1,661 |
| Average total loans | $266,715,330 | 1,851 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8977% | 2,809 |
| Cost of funding earning assets | 1.7544% | 5,340 |
| Net interest margin | 4.1432% | 2,110 |
| Noninterest income to average assets | 0.7213% | 2,753 |
| Noninterest expense to average assets | 3.5477% | 1,980 |
| Loan and lease loss provision to assets | 0.1494% | 5,019 |
| Net operating income to assets | 0.6814% | 3,655 |
| Return on assets (ROA) | 0.8269% | 3,168 |
| Pretax return on assets | 0.9375% | 3,577 |
| Return on Equity (ROE) | 8.1780% | 3,064 |
| Retained earnings to average equity (ytd only) | 2.2662% | 4,618 |
| Net charge-offs to loans | 0.0779% | 4,396 |
| Credit loss provision to net charge-offs | 288.4615% | 1,675 |
| Earnings coverage of net charge-offs (x) | 17.7885% | 1,493 |
| Efficiency ratio | 79.3803% | 2,930 |
| Assets per employee ($millions) | 3.1539% | 5,728 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,228 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2270% | 4,607 |
| Loan loss allowance to noncurrent loans | 38.1820% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 2.4117% | 2,377 |
| Noncurrent loans to loans | 3.2135% | 2,014 |
| Net loans and leases to total assets | 64.6611% | 4,868 |
| Net loans and leases to deposits | 82.2718% | 4,242 |
| Net loans and leases to core deposits | 99.3835% | 4,602 |
| Total domestic deposits to total assets | 78.5945% | 5,844 |
| Equity capital to assets | 9.9880% | 4,018 |
| Core capital (leverage) ratio | 10.9788% | 2,514 |
| Tier 1 risk-based capital ratio | 16.0382% | 2,679 |
| Total risk-based capital ratio | 17.2546% | 2,625 |
| Memoranda: |
| Average total assets | $401,503,000 | 1,756 |
| Average earning assets | $363,194,000 | 1,775 |
| Average equity | $40,596,500 | 1,676 |
| Average total loans | $266,952,000 | 1,862 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4916% | 3,002 |
| Cost of funding earning assets | 2.0481% | 6,245 |
| Net interest margin | 4.4435% | 1,551 |
| Noninterest income to average assets | 1.2566% | 933 |
| Noninterest expense to average assets | 3.3625% | 2,787 |
| Loan and lease loss provision to assets | 0.0676% | 6,546 |
| Net operating income to assets | 2.0356% | 323 |
| Return on assets (ROA) | 0.7453% | 3,533 |
| Pretax return on assets | 0.5350% | 4,897 |
| Return on Equity (ROE) | 7.0882% | 3,485 |
| Retained earnings to average equity (ytd only) | 1.0864% | 4,574 |
| Net charge-offs to loans | 0.1723% | 4,478 |
| Credit loss provision to net charge-offs | 59.2841% | 6,238 |
| Earnings coverage of net charge-offs (x) | 16.6063% | 1,833 |
| Efficiency ratio | 63.9835% | 5,563 |
| Assets per employee ($millions) | 3.1441% | 5,638 |
| Cash dividends to net income (ytd only)* | 84.6733% | 1,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1848% | 4,663 |
| Loan loss allowance to noncurrent loans | 71.7032% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.4383% | 3,332 |
| Noncurrent loans to loans | 1.6523% | 3,294 |
| Net loans and leases to total assets | 66.7394% | 4,698 |
| Net loans and leases to deposits | 89.0716% | 3,624 |
| Net loans and leases to core deposits | 104.3654% | 4,359 |
| Total domestic deposits to total assets | 74.9279% | 6,469 |
| Equity capital to assets | 10.2376% | 3,765 |
| Core capital (leverage) ratio | 10.9263% | 2,649 |
| Tier 1 risk-based capital ratio | 15.9166% | 2,699 |
| Total risk-based capital ratio | 17.0950% | 2,663 |
| Memoranda: |
| Average total assets | $392,174,000 | 1,728 |
| Average earning assets | $352,919,200 | 1,753 |
| Average equity | $41,237,400 | 1,620 |
| Average total loans | $259,437,600 | 1,841 |
