| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2921% | 881 |
| Cost of funding earning assets | 0.6651% | 3,371 |
| Net interest margin | 4.6269% | 581 |
| Noninterest income to average assets | 0.3687% | 3,504 |
| Noninterest expense to average assets | 3.0130% | 1,942 |
| Loan and lease loss provision to assets | 0.0588% | 2,719 |
| Net operating income to assets | 1.6196% | 888 |
| Return on assets (ROA) | 1.6196% | 928 |
| Pretax return on assets | 1.6196% | 1,565 |
| Return on Equity (ROE) | 10.3262% | 2,283 |
| Retained earnings to average equity (ytd only) | 7.9236% | 1,434 |
| Net charge-offs to loans | 0.0027% | 3,333 |
| Credit loss provision to net charge-offs | 2,725.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 777.7167% | 121 |
| Efficiency ratio | 64.2232% | 2,967 |
| Assets per employee ($millions) | 4.8013% | 2,788 |
| Cash dividends to net income (ytd only)* | 23.2666% | 2,898 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1785% | 2,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.1243% | 694 |
| Net loans and leases to deposits | 108.4069% | 255 |
| Net loans and leases to core deposits | 115.1307% | 693 |
| Total domestic deposits to total assets | 74.8332% | 4,758 |
| Equity capital to assets | 17.0552% | 476 |
| Core capital (leverage) ratio | 16.2540% | 528 |
| Tier 1 risk-based capital ratio | 20.3727% | 1,307 |
| Total risk-based capital ratio | 21.5341% | 1,288 |
| Memoranda: |
| Average total assets | $246,965,750 | 2,499 |
| Average earning assets | $230,729,750 | 2,489 |
| Average equity | $38,735,500 | 1,998 |
| Average total loans | $201,081,500 | 2,174 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2364% | 916 |
| Cost of funding earning assets | 0.7029% | 3,160 |
| Net interest margin | 4.5335% | 710 |
| Noninterest income to average assets | 0.3061% | 3,879 |
| Noninterest expense to average assets | 2.7377% | 2,787 |
| Loan and lease loss provision to assets | 0.0199% | 3,394 |
| Net operating income to assets | 1.7906% | 611 |
| Return on assets (ROA) | 1.7906% | 632 |
| Pretax return on assets | 1.7906% | 1,055 |
| Return on Equity (ROE) | 11.7369% | 1,683 |
| Retained earnings to average equity (ytd only) | 8.0894% | 1,354 |
| Net charge-offs to loans | 0.0079% | 2,865 |
| Credit loss provision to net charge-offs | 312.5000% | 872 |
| Earnings coverage of net charge-offs (x) | 283.8750% | 276 |
| Efficiency ratio | 60.1928% | 3,697 |
| Assets per employee ($millions) | 4.5031% | 3,140 |
| Cash dividends to net income (ytd only)* | 31.0775% | 2,583 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0920% | 3,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 81.4959% | 674 |
| Net loans and leases to deposits | 101.2523% | 591 |
| Net loans and leases to core deposits | 112.4399% | 851 |
| Total domestic deposits to total assets | 80.4880% | 3,942 |
| Equity capital to assets | 16.1888% | 585 |
| Core capital (leverage) ratio | 15.7501% | 578 |
| Tier 1 risk-based capital ratio | 19.5035% | 1,437 |
| Total risk-based capital ratio | 20.5929% | 1,442 |
| Memoranda: |
| Average total assets | $250,865,670 | 2,485 |
| Average earning assets | $234,743,330 | 2,469 |
| Average equity | $38,272,330 | 2,010 |
| Average total loans | $203,730,670 | 2,161 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1670% | 967 |
| Cost of funding earning assets | 0.7350% | 2,861 |
| Net interest margin | 4.4320% | 840 |
| Noninterest income to average assets | 0.1775% | 4,685 |
| Noninterest expense to average assets | 2.7246% | 2,830 |
| Loan and lease loss provision to assets | 0.0393% | 2,841 |
| Net operating income to assets | 1.5610% | 982 |
| Return on assets (ROA) | 1.5610% | 1,010 |
| Pretax return on assets | 1.5610% | 1,571 |
| Return on Equity (ROE) | 10.5393% | 2,143 |
| Retained earnings to average equity (ytd only) | 3.1385% | 3,684 |
| Net charge-offs to loans | 0.0097% | 2,343 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 203.8000% | 382 |
| Efficiency ratio | 62.9993% | 3,382 |
| Assets per employee ($millions) | 4.5480% | 3,120 |
| Cash dividends to net income (ytd only)* | 70.2213% | 1,113 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0648% | 3,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 79.9291% | 845 |
| Net loans and leases to deposits | 96.7938% | 905 |
| Net loans and leases to core deposits | 113.4272% | 765 |
| Total domestic deposits to total assets | 82.5767% | 3,553 |
| Equity capital to assets | 14.9034% | 773 |
| Core capital (leverage) ratio | 14.9631% | 705 |
| Tier 1 risk-based capital ratio | 18.2099% | 1,739 |
| Total risk-based capital ratio | 19.2621% | 1,751 |
| Memoranda: |
| Average total assets | $254,714,500 | 2,481 |
| Average earning assets | $238,357,500 | 2,468 |
| Average equity | $37,725,500 | 2,028 |
| Average total loans | $205,416,000 | 2,173 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9980% | 1,047 |
| Cost of funding earning assets | 0.6020% | 2,700 |
| Net interest margin | 4.3960% | 946 |
| Noninterest income to average assets | 0.4287% | 3,250 |
| Noninterest expense to average assets | 2.8082% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7198% | 657 |
| Return on assets (ROA) | 1.7261% | 646 |
| Pretax return on assets | 1.7261% | 1,101 |
| Return on Equity (ROE) | 12.3731% | 1,589 |
| Retained earnings to average equity (ytd only) | 10.6829% | 489 |
| Net charge-offs to loans | -0.0071% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0186% | 3,523 |
| Assets per employee ($millions) | 4.5490% | 3,088 |
| Cash dividends to net income (ytd only)* | 13.6602% | 3,720 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0587% | 3,327 |
| Loan loss allowance to noncurrent loans | 36,183.3333% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 3,909 |
| Noncurrent loans to loans | 0.0029% | 4,812 |
| Net loans and leases to total assets | 79.6496% | 988 |
| Net loans and leases to deposits | 97.8534% | 917 |
| Net loans and leases to core deposits | 115.5275% | 706 |
| Total domestic deposits to total assets | 81.3969% | 3,807 |
| Equity capital to assets | 14.7184% | 781 |
| Core capital (leverage) ratio | 14.9952% | 694 |
| Tier 1 risk-based capital ratio | 18.1392% | 1,718 |
| Total risk-based capital ratio | 19.1858% | 1,735 |
| Memoranda: |
| Average total assets | $254,045,000 | 2,443 |
| Average earning assets | $236,895,200 | 2,438 |
| Average equity | $35,439,800 | 2,055 |
| Average total loans | $196,477,800 | 2,196 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9528% | 1,037 |
| Cost of funding earning assets | 0.5830% | 2,604 |
| Net interest margin | 4.3698% | 963 |
| Noninterest income to average assets | 0.4674% | 3,060 |
| Noninterest expense to average assets | 2.7772% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7646% | 644 |
| Return on assets (ROA) | 1.7730% | 636 |
| Pretax return on assets | 1.7730% | 1,079 |
| Return on Equity (ROE) | 12.8878% | 1,477 |
| Retained earnings to average equity (ytd only) | 10.6011% | 746 |
| Net charge-offs to loans | -0.0165% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1471% | 3,642 |
| Assets per employee ($millions) | 4.4218% | 3,239 |
| Cash dividends to net income (ytd only)* | 17.7430% | 3,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1041% | 3,169 |
| Loan loss allowance to noncurrent loans | 19,827.2727% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 4,006 |
| Noncurrent loans to loans | 0.0056% | 4,914 |
| Net loans and leases to total assets | 78.8928% | 1,184 |
| Net loans and leases to deposits | 100.3215% | 757 |
| Net loans and leases to core deposits | 113.4472% | 847 |
| Total domestic deposits to total assets | 78.6400% | 4,388 |
| Equity capital to assets | 14.6748% | 792 |
| Core capital (leverage) ratio | 14.8299% | 745 |
| Tier 1 risk-based capital ratio | 18.2924% | 1,722 |
| Total risk-based capital ratio | 19.3820% | 1,711 |
| Memoranda: |
| Average total assets | $253,870,750 | 2,463 |
| Average earning assets | $236,707,000 | 2,451 |
| Average equity | $34,926,250 | 2,080 |
| Average total loans | $194,329,250 | 2,222 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8711% | 1,086 |
| Cost of funding earning assets | 0.5751% | 2,399 |
| Net interest margin | 4.2960% | 1,040 |
| Noninterest income to average assets | 0.4587% | 3,101 |
| Noninterest expense to average assets | 2.7693% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6933% | 728 |
| Return on assets (ROA) | 1.7058% | 718 |
| Pretax return on assets | 1.7058% | 1,196 |
| Return on Equity (ROE) | 12.6714% | 1,485 |
| Retained earnings to average equity (ytd only) | 9.1944% | 1,155 |
| Net charge-offs to loans | -0.0290% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0557% | 3,614 |
| Assets per employee ($millions) | 4.6443% | 2,897 |
| Cash dividends to net income (ytd only)* | 27.4393% | 2,694 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1276% | 3,110 |
| Loan loss allowance to noncurrent loans | 18,208.3333% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,076 |
| Noncurrent loans to loans | 0.0062% | 4,933 |
| Net loans and leases to total assets | 75.0026% | 1,789 |
| Net loans and leases to deposits | 89.5273% | 1,908 |
| Net loans and leases to core deposits | 95.7690% | 2,078 |
| Total domestic deposits to total assets | 83.7763% | 3,138 |
| Equity capital to assets | 13.7988% | 992 |
| Core capital (leverage) ratio | 13.9215% | 925 |
| Tier 1 risk-based capital ratio | 17.5410% | 1,931 |
| Total risk-based capital ratio | 18.6230% | 1,929 |
| Memoranda: |
| Average total assets | $255,953,670 | 2,460 |
| Average earning assets | $238,549,000 | 2,445 |
| Average equity | $34,455,670 | 2,108 |
| Average total loans | $193,260,000 | 2,237 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8217% | 1,029 |
| Cost of funding earning assets | 0.6036% | 2,041 |
| Net interest margin | 4.2182% | 1,140 |
| Noninterest income to average assets | 0.4730% | 2,978 |
| Noninterest expense to average assets | 2.8008% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6002% | 861 |
| Return on assets (ROA) | 1.6002% | 862 |
| Pretax return on assets | 1.6002% | 1,394 |
| Return on Equity (ROE) | 12.0376% | 1,568 |
| Retained earnings to average equity (ytd only) | 5.0029% | 3,169 |
| Net charge-offs to loans | -0.0145% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6396% | 3,538 |
| Assets per employee ($millions) | 4.5830% | 3,025 |
| Cash dividends to net income (ytd only)* | 58.4390% | 1,287 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1086% | 3,325 |
| Loan loss allowance to noncurrent loans | 18,041.6667% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 4,186 |
| Noncurrent loans to loans | 0.0061% | 4,992 |
| Net loans and leases to total assets | 75.2502% | 1,663 |
| Net loans and leases to deposits | 95.6141% | 1,073 |
| Net loans and leases to core deposits | 102.3672% | 1,498 |
| Total domestic deposits to total assets | 78.7020% | 4,626 |
| Equity capital to assets | 13.3143% | 1,107 |
| Core capital (leverage) ratio | 13.2756% | 1,080 |
| Tier 1 risk-based capital ratio | 16.8708% | 2,151 |
| Total risk-based capital ratio | 17.9367% | 2,162 |
| Memoranda: |
| Average total assets | $256,213,000 | 2,473 |
| Average earning assets | $238,587,500 | 2,462 |
| Average equity | $34,060,000 | 2,139 |
| Average total loans | $193,006,000 | 2,249 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6664% | 1,267 |
| Cost of funding earning assets | 0.4423% | 2,853 |
| Net interest margin | 4.2241% | 1,138 |
| Noninterest income to average assets | 0.4794% | 3,129 |
| Noninterest expense to average assets | 2.8076% | 2,740 |
| Loan and lease loss provision to assets | 0.0927% | 2,348 |
| Net operating income to assets | 1.5079% | 787 |
| Return on assets (ROA) | 1.5091% | 800 |
| Pretax return on assets | 1.5091% | 1,603 |
| Return on Equity (ROE) | 11.3075% | 1,391 |
| Retained earnings to average equity (ytd only) | 9.7787% | 386 |
| Net charge-offs to loans | 0.0163% | 3,544 |
| Credit loss provision to net charge-offs | 803.5714% | 426 |
| Earnings coverage of net charge-offs (x) | 138.6786% | 501 |
| Efficiency ratio | 63.6899% | 3,645 |
| Assets per employee ($millions) | 4.6505% | 2,952 |
| Cash dividends to net income (ytd only)* | 13.5209% | 3,853 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1310% | 3,183 |
| Loan loss allowance to noncurrent loans | 3,479.0323% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 4,138 |
| Noncurrent loans to loans | 0.0325% | 4,864 |
| Net loans and leases to total assets | 73.7209% | 1,967 |
| Net loans and leases to deposits | 96.3861% | 1,052 |
| Net loans and leases to core deposits | 102.3042% | 1,541 |
| Total domestic deposits to total assets | 76.4850% | 4,921 |
| Equity capital to assets | 13.2729% | 1,139 |
| Core capital (leverage) ratio | 13.5636% | 943 |
| Tier 1 risk-based capital ratio | 17.0035% | 2,093 |
| Total risk-based capital ratio | 18.0874% | 2,098 |
| Memoranda: |
| Average total assets | $242,591,800 | 2,545 |
| Average earning assets | $225,633,000 | 2,544 |
| Average equity | $32,376,600 | 2,201 |
| Average total loans | $171,432,400 | 2,407 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5958% | 1,381 |
| Cost of funding earning assets | 0.4274% | 2,906 |
| Net interest margin | 4.1684% | 1,234 |
| Noninterest income to average assets | 0.4959% | 3,050 |
| Noninterest expense to average assets | 2.7603% | 2,859 |
| Loan and lease loss provision to assets | 0.1254% | 1,729 |
| Net operating income to assets | 1.4905% | 916 |
| Return on assets (ROA) | 1.4921% | 935 |
| Pretax return on assets | 1.4921% | 1,798 |
| Return on Equity (ROE) | 11.1638% | 1,623 |
| Retained earnings to average equity (ytd only) | 9.1003% | 813 |
| Net charge-offs to loans | 0.0056% | 3,534 |
| Credit loss provision to net charge-offs | 3,214.2857% | 144 |
| Earnings coverage of net charge-offs (x) | 414.4234% | 233 |
| Efficiency ratio | 63.0761% | 3,696 |
| Assets per employee ($millions) | 4.5080% | 3,125 |
| Cash dividends to net income (ytd only)* | 18.4838% | 3,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2310% | 2,735 |
| Loan loss allowance to noncurrent loans | 1,116.9231% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 4,837 |
| Noncurrent loans to loans | 0.1102% | 4,614 |
| Net loans and leases to total assets | 71.7866% | 2,286 |
| Net loans and leases to deposits | 91.4921% | 1,625 |
| Net loans and leases to core deposits | 94.9646% | 2,172 |
| Total domestic deposits to total assets | 78.4620% | 4,635 |
| Equity capital to assets | 13.7156% | 1,068 |
| Core capital (leverage) ratio | 13.3042% | 1,106 |
| Tier 1 risk-based capital ratio | 17.8165% | 1,907 |
| Total risk-based capital ratio | 18.9976% | 1,873 |
| Memoranda: |
| Average total assets | $239,295,500 | 2,590 |
| Average earning assets | $222,749,750 | 2,579 |
| Average equity | $31,983,500 | 2,234 |
| Average total loans | $166,611,000 | 2,473 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5352% | 1,424 |
| Cost of funding earning assets | 0.3789% | 3,300 |
| Net interest margin | 4.1563% | 1,184 |
| Noninterest income to average assets | 0.4977% | 3,042 |
| Noninterest expense to average assets | 2.7152% | 3,039 |
| Loan and lease loss provision to assets | 0.1261% | 1,643 |
| Net operating income to assets | 1.5291% | 813 |
| Return on assets (ROA) | 1.5291% | 838 |
| Pretax return on assets | 1.5291% | 1,550 |
| Return on Equity (ROE) | 11.5436% | 1,450 |
| Retained earnings to average equity (ytd only) | 8.4023% | 1,030 |
| Net charge-offs to loans | 0.0098% | 3,114 |
| Credit loss provision to net charge-offs | 1,875.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 246.1250% | 344 |
| Efficiency ratio | 62.1273% | 3,972 |
| Assets per employee ($millions) | 4.4695% | 3,159 |
| Cash dividends to net income (ytd only)* | 27.2128% | 2,858 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2246% | 2,868 |
| Loan loss allowance to noncurrent loans | 1,100.5236% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 4,887 |
| Noncurrent loans to loans | 0.1113% | 4,675 |
| Net loans and leases to total assets | 68.9721% | 2,672 |
| Net loans and leases to deposits | 90.2456% | 1,695 |
| Net loans and leases to core deposits | 90.9461% | 2,439 |
| Total domestic deposits to total assets | 76.4272% | 5,039 |
| Equity capital to assets | 13.2405% | 1,258 |
| Core capital (leverage) ratio | 13.2959% | 1,057 |
| Tier 1 risk-based capital ratio | 17.0845% | 2,141 |
| Total risk-based capital ratio | 18.2069% | 2,123 |
| Memoranda: |
| Average total assets | $237,917,330 | 2,613 |
| Average earning assets | $221,688,000 | 2,604 |
| Average equity | $31,515,330 | 2,262 |
| Average total loans | $163,172,000 | 2,516 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5579% | 1,240 |
| Cost of funding earning assets | 0.3616% | 3,392 |
| Net interest margin | 4.1963% | 1,000 |
| Noninterest income to average assets | 0.4736% | 3,162 |
| Noninterest expense to average assets | 2.7594% | 2,924 |
| Loan and lease loss provision to assets | 0.1282% | 1,504 |
| Net operating income to assets | 1.4942% | 817 |
| Return on assets (ROA) | 1.4942% | 843 |
| Pretax return on assets | 1.4942% | 1,547 |
| Return on Equity (ROE) | 11.2778% | 1,473 |
| Retained earnings to average equity (ytd only) | 4.8905% | 2,955 |
| Net charge-offs to loans | 0.0025% | 2,881 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 949.0000% | 47 |
| Efficiency ratio | 62.9731% | 3,994 |
| Assets per employee ($millions) | 4.3922% | 3,345 |
| Cash dividends to net income (ytd only)* | 56.6362% | 1,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2457% | 2,855 |
| Loan loss allowance to noncurrent loans | 696.5753% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,769 |
| Noncurrent loans to loans | 0.1788% | 4,487 |
| Net loans and leases to total assets | 67.9838% | 2,686 |
| Net loans and leases to deposits | 82.6875% | 2,435 |
| Net loans and leases to core deposits | 83.3091% | 2,966 |
| Total domestic deposits to total assets | 82.2177% | 4,102 |
| Equity capital to assets | 13.2170% | 1,175 |
| Core capital (leverage) ratio | 13.3761% | 1,008 |
| Tier 1 risk-based capital ratio | 17.2402% | 2,112 |
| Total risk-based capital ratio | 18.3695% | 2,095 |
| Memoranda: |
| Average total assets | $233,965,500 | 2,672 |
| Average earning assets | $217,908,000 | 2,660 |
| Average equity | $30,999,000 | 2,294 |
| Average total loans | $158,933,000 | 2,592 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4828% | 1,588 |
| Cost of funding earning assets | 0.3810% | 3,193 |
| Net interest margin | 4.1018% | 1,376 |
| Noninterest income to average assets | 0.5117% | 3,163 |
| Noninterest expense to average assets | 2.9363% | 2,542 |
| Loan and lease loss provision to assets | 0.1656% | 1,484 |
| Net operating income to assets | 1.2094% | 1,474 |
| Return on assets (ROA) | 1.2606% | 1,407 |
| Pretax return on assets | 1.2606% | 2,434 |
| Return on Equity (ROE) | 9.2380% | 2,294 |
| Retained earnings to average equity (ytd only) | 7.5393% | 1,026 |
| Net charge-offs to loans | 0.2134% | 1,306 |
| Credit loss provision to net charge-offs | 121.2625% | 2,188 |
| Earnings coverage of net charge-offs (x) | 10.0698% | 2,685 |
| Efficiency ratio | 68.1082% | 3,214 |
| Assets per employee ($millions) | 4.2732% | 3,485 |
| Cash dividends to net income (ytd only)* | 18.3879% | 3,781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2679% | 2,716 |
| Loan loss allowance to noncurrent loans | 803.2787% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,894 |
| Noncurrent loans to loans | 0.1578% | 4,608 |
| Net loans and leases to total assets | 66.1440% | 3,054 |
| Net loans and leases to deposits | 81.2538% | 2,757 |
| Net loans and leases to core deposits | 81.9968% | 3,209 |
| Total domestic deposits to total assets | 81.4042% | 4,231 |
| Equity capital to assets | 13.2827% | 1,142 |
| Core capital (leverage) ratio | 13.5501% | 956 |
| Tier 1 risk-based capital ratio | 17.8487% | 1,895 |
| Total risk-based capital ratio | 18.9892% | 1,890 |
| Memoranda: |
| Average total assets | $220,447,200 | 2,758 |
| Average earning assets | $204,205,000 | 2,748 |
| Average equity | $30,082,200 | 2,343 |
| Average total loans | $141,070,200 | 2,767 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4811% | 1,601 |
| Cost of funding earning assets | 0.3900% | 3,127 |
| Net interest margin | 4.0911% | 1,409 |
| Noninterest income to average assets | 0.5128% | 3,163 |
| Noninterest expense to average assets | 2.9601% | 2,431 |
| Loan and lease loss provision to assets | 0.1836% | 1,194 |
| Net operating income to assets | 1.1566% | 1,778 |
| Return on assets (ROA) | 1.2270% | 1,629 |
| Pretax return on assets | 1.2270% | 2,721 |
| Return on Equity (ROE) | 8.9287% | 2,535 |
| Retained earnings to average equity (ytd only) | 6.6531% | 1,813 |
| Net charge-offs to loans | 0.3021% | 761 |
| Credit loss provision to net charge-offs | 96.1538% | 2,436 |
| Earnings coverage of net charge-offs (x) | 7.0192% | 2,930 |
| Efficiency ratio | 68.8345% | 3,073 |
| Assets per employee ($millions) | 4.1711% | 3,651 |
| Cash dividends to net income (ytd only)* | 25.4864% | 2,995 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2746% | 2,820 |
| Loan loss allowance to noncurrent loans | 1,309.0278% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 5,188 |
| Noncurrent loans to loans | 0.0974% | 4,955 |
| Net loans and leases to total assets | 64.8208% | 3,294 |
| Net loans and leases to deposits | 84.2689% | 2,455 |
| Net loans and leases to core deposits | 85.4932% | 2,993 |
| Total domestic deposits to total assets | 76.9213% | 5,107 |
| Equity capital to assets | 13.7832% | 1,124 |
| Core capital (leverage) ratio | 13.5081% | 994 |
| Tier 1 risk-based capital ratio | 18.2242% | 1,855 |
| Total risk-based capital ratio | 19.3732% | 1,850 |
| Memoranda: |
| Average total assets | $217,871,250 | 2,785 |
| Average earning assets | $201,702,000 | 2,784 |
| Average equity | $29,940,250 | 2,373 |
| Average total loans | $137,690,750 | 2,816 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4246% | 1,759 |
| Cost of funding earning assets | 0.3939% | 3,110 |
| Net interest margin | 4.0308% | 1,550 |
| Noninterest income to average assets | 0.4716% | 3,398 |
| Noninterest expense to average assets | 3.0026% | 2,333 |
| Loan and lease loss provision to assets | 0.2321% | 869 |
| Net operating income to assets | 0.9711% | 2,519 |
| Return on assets (ROA) | 1.0779% | 2,177 |
| Pretax return on assets | 1.0779% | 3,289 |
| Return on Equity (ROE) | 7.8520% | 3,061 |
| Retained earnings to average equity (ytd only) | 4.3961% | 3,118 |
| Net charge-offs to loans | 0.4676% | 470 |
| Credit loss provision to net charge-offs | 79.6178% | 2,370 |
| Earnings coverage of net charge-offs (x) | 4.1274% | 3,019 |
| Efficiency ratio | 71.3907% | 2,761 |
| Assets per employee ($millions) | 3.9908% | 3,922 |
| Cash dividends to net income (ytd only)* | 44.0138% | 2,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2706% | 2,952 |
| Loan loss allowance to noncurrent loans | 1,131.4815% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 5,014 |
| Noncurrent loans to loans | 0.1123% | 4,998 |
| Net loans and leases to total assets | 64.8892% | 3,239 |
| Net loans and leases to deposits | 83.8532% | 2,485 |
| Net loans and leases to core deposits | 85.0951% | 2,975 |
| Total domestic deposits to total assets | 77.3843% | 5,101 |
| Equity capital to assets | 13.7863% | 1,104 |
| Core capital (leverage) ratio | 13.4230% | 1,007 |
| Tier 1 risk-based capital ratio | 18.3072% | 1,849 |
| Total risk-based capital ratio | 19.4621% | 1,842 |
| Memoranda: |
| Average total assets | $215,415,670 | 2,821 |
| Average earning assets | $199,564,670 | 2,818 |
| Average equity | $29,572,000 | 2,398 |
| Average total loans | $134,292,330 | 2,862 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3606% | 1,929 |
| Cost of funding earning assets | 0.4016% | 3,047 |
| Net interest margin | 3.9591% | 1,749 |
| Noninterest income to average assets | 0.3974% | 3,850 |
| Noninterest expense to average assets | 3.0425% | 2,265 |
| Loan and lease loss provision to assets | 0.0937% | 2,127 |
| Net operating income to assets | 0.9204% | 2,647 |
| Return on assets (ROA) | 1.1360% | 1,881 |
| Pretax return on assets | 1.1360% | 2,955 |
| Return on Equity (ROE) | 8.2934% | 2,764 |
| Retained earnings to average equity (ytd only) | 1.3001% | 4,739 |
| Net charge-offs to loans | 0.3465% | 643 |
| Credit loss provision to net charge-offs | 44.6429% | 2,099 |
| Earnings coverage of net charge-offs (x) | 4.8304% | 2,390 |
| Efficiency ratio | 75.0000% | 2,328 |
| Assets per employee ($millions) | 3.9433% | 4,053 |
| Cash dividends to net income (ytd only)* | 84.3234% | 928 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3973% | 2,439 |
| Loan loss allowance to noncurrent loans | 801.3100% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 4,517 |
| Noncurrent loans to loans | 0.1744% | 4,788 |
| Net loans and leases to total assets | 59.7064% | 3,820 |
| Net loans and leases to deposits | 71.5585% | 3,692 |
| Net loans and leases to core deposits | 72.7293% | 4,005 |
| Total domestic deposits to total assets | 83.4372% | 3,738 |
| Equity capital to assets | 13.5608% | 1,154 |
| Core capital (leverage) ratio | 13.2516% | 1,067 |
| Tier 1 risk-based capital ratio | 19.2906% | 1,660 |
| Total risk-based capital ratio | 20.5327% | 1,630 |
| Memoranda: |
| Average total assets | $213,376,500 | 2,850 |
| Average earning assets | $197,219,000 | 2,851 |
| Average equity | $29,228,000 | 2,423 |
| Average total loans | $129,308,000 | 2,944 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3927% | 1,922 |
| Cost of funding earning assets | 0.3665% | 3,518 |
| Net interest margin | 4.0262% | 1,627 |
| Noninterest income to average assets | 0.6259% | 2,587 |
| Noninterest expense to average assets | 3.1148% | 2,186 |
| Loan and lease loss provision to assets | 0.0855% | 2,582 |
| Net operating income to assets | 1.1378% | 1,779 |
| Return on assets (ROA) | 1.1582% | 1,780 |
| Pretax return on assets | 1.1582% | 2,815 |
| Return on Equity (ROE) | 8.7166% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.7166% | 725 |
| Net charge-offs to loans | 0.2259% | 1,314 |
| Credit loss provision to net charge-offs | 62.2837% | 3,238 |
| Earnings coverage of net charge-offs (x) | 8.9066% | 2,886 |
| Efficiency ratio | 71.8011% | 2,938 |
| Assets per employee ($millions) | 3.8158% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4903% | 2,052 |
| Loan loss allowance to noncurrent loans | 391.9421% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 4,132 |
| Noncurrent loans to loans | 0.3802% | 4,088 |
| Net loans and leases to total assets | 59.7470% | 3,875 |
| Net loans and leases to deposits | 71.9658% | 3,723 |
| Net loans and leases to core deposits | 73.0810% | 4,033 |
| Total domestic deposits to total assets | 83.0214% | 3,826 |
| Equity capital to assets | 13.8395% | 986 |
| Core capital (leverage) ratio | 13.7786% | 886 |
| Tier 1 risk-based capital ratio | 20.0278% | 1,478 |
| Total risk-based capital ratio | 21.2786% | 1,452 |
| Memoranda: |
| Average total assets | $210,414,400 | 2,841 |
| Average earning assets | $194,005,000 | 2,844 |
| Average equity | $27,958,000 | 2,464 |
| Average total loans | $127,939,600 | 2,921 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4425% | 1,775 |
| Cost of funding earning assets | 0.3633% | 3,620 |
| Net interest margin | 4.0793% | 1,464 |
| Noninterest income to average assets | 0.6548% | 2,452 |
| Noninterest expense to average assets | 3.1105% | 2,196 |
| Loan and lease loss provision to assets | 0.1140% | 1,981 |
| Net operating income to assets | 1.1918% | 1,680 |
| Return on assets (ROA) | 1.2190% | 1,652 |
| Pretax return on assets | 1.2190% | 2,735 |
| Return on Equity (ROE) | 9.2703% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.2703% | 806 |
| Net charge-offs to loans | 0.2716% | 981 |
| Credit loss provision to net charge-offs | 68.9655% | 2,788 |
| Earnings coverage of net charge-offs (x) | 7.9004% | 2,863 |
| Efficiency ratio | 70.4330% | 3,142 |
| Assets per employee ($millions) | 3.7442% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5975% | 1,800 |
| Loan loss allowance to noncurrent loans | 1,577.8689% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 4,166 |
| Noncurrent loans to loans | 0.1012% | 5,229 |
| Net loans and leases to total assets | 57.5809% | 4,190 |
| Net loans and leases to deposits | 69.1308% | 4,081 |
| Net loans and leases to core deposits | 70.4287% | 4,330 |
| Total domestic deposits to total assets | 83.2926% | 3,705 |
| Equity capital to assets | 13.9128% | 1,059 |
| Core capital (leverage) ratio | 13.7930% | 911 |
| Tier 1 risk-based capital ratio | 20.5371% | 1,432 |
| Total risk-based capital ratio | 21.7888% | 1,395 |
| Memoranda: |
| Average total assets | $210,550,500 | 2,860 |
| Average earning assets | $194,148,000 | 2,865 |
| Average equity | $27,686,250 | 2,497 |
| Average total loans | $128,102,500 | 2,938 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3961% | 1,861 |
| Cost of funding earning assets | 0.3692% | 3,607 |
| Net interest margin | 4.0270% | 1,562 |
| Noninterest income to average assets | 0.6884% | 2,261 |
| Noninterest expense to average assets | 3.0864% | 2,282 |
| Loan and lease loss provision to assets | 0.1179% | 1,880 |
| Net operating income to assets | 1.1976% | 1,609 |
| Return on assets (ROA) | 1.2382% | 1,568 |
| Pretax return on assets | 1.2382% | 2,614 |
| Return on Equity (ROE) | 9.5963% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.5963% | 755 |
| Net charge-offs to loans | 0.2649% | 987 |
| Credit loss provision to net charge-offs | 72.2543% | 2,431 |
| Earnings coverage of net charge-offs (x) | 8.0636% | 2,601 |
| Efficiency ratio | 70.1157% | 3,306 |
| Assets per employee ($millions) | 3.5901% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5314% | 2,155 |
| Loan loss allowance to noncurrent loans | 103.8727% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2927% | 1,946 |
| Noncurrent loans to loans | 1.4743% | 1,800 |
| Net loans and leases to total assets | 62.6208% | 3,464 |
| Net loans and leases to deposits | 75.3584% | 3,335 |
| Net loans and leases to core deposits | 77.3284% | 3,638 |
| Total domestic deposits to total assets | 83.0973% | 3,910 |
| Equity capital to assets | 13.8133% | 1,049 |
| Core capital (leverage) ratio | 12.9789% | 1,179 |
| Tier 1 risk-based capital ratio | 18.5070% | 1,917 |
| Total risk-based capital ratio | 19.7573% | 1,886 |
| Memoranda: |
| Average total assets | $212,089,670 | 2,860 |
| Average earning assets | $195,581,670 | 2,865 |
| Average equity | $27,364,670 | 2,532 |
| Average total loans | $130,635,670 | 2,899 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2942% | 2,117 |
| Cost of funding earning assets | 0.3771% | 3,569 |
| Net interest margin | 3.9171% | 1,833 |
| Noninterest income to average assets | 0.7426% | 1,949 |
| Noninterest expense to average assets | 3.0605% | 2,394 |
| Loan and lease loss provision to assets | 0.1838% | 1,035 |
| Net operating income to assets | 1.1066% | 1,845 |
| Return on assets (ROA) | 1.1838% | 1,692 |
| Pretax return on assets | 1.1838% | 2,734 |
| Return on Equity (ROE) | 9.4840% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.4840% | 1,044 |
| Net charge-offs to loans | 0.0636% | 2,110 |
| Credit loss provision to net charge-offs | 476.1905% | 576 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 1,082 |
| Efficiency ratio | 70.3422% | 3,422 |
| Assets per employee ($millions) | 3.9247% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6092% | 2,019 |
| Loan loss allowance to noncurrent loans | 97.9793% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.1832% | 2,267 |
| Noncurrent loans to loans | 1.6423% | 1,696 |
| Net loans and leases to total assets | 59.0607% | 3,785 |
| Net loans and leases to deposits | 69.8653% | 3,760 |
| Net loans and leases to core deposits | 71.5325% | 4,009 |
| Total domestic deposits to total assets | 84.5351% | 3,608 |
| Equity capital to assets | 12.8340% | 1,494 |
| Core capital (leverage) ratio | 12.3069% | 1,454 |
| Tier 1 risk-based capital ratio | 17.8107% | 2,195 |
| Total risk-based capital ratio | 19.0623% | 2,152 |
| Memoranda: |
| Average total assets | $217,612,000 | 2,827 |
| Average earning assets | $200,456,000 | 2,835 |
| Average equity | $27,161,500 | 2,565 |
| Average total loans | $132,026,500 | 2,882 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3574% | 2,378 |
| Cost of funding earning assets | 0.4248% | 3,436 |
| Net interest margin | 3.9326% | 2,111 |
| Noninterest income to average assets | 0.5731% | 3,032 |
| Noninterest expense to average assets | 3.0227% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1774% | 1,650 |
| Return on assets (ROA) | 1.1774% | 1,723 |
| Pretax return on assets | 1.1774% | 2,746 |
| Return on Equity (ROE) | 9.7487% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.7487% | 557 |
| Net charge-offs to loans | 0.0241% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 81.6333% | 613 |
| Efficiency ratio | 71.9666% | 3,218 |
| Assets per employee ($millions) | 3.9173% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4916% | 2,523 |
| Loan loss allowance to noncurrent loans | 90.8103% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 2,377 |
| Noncurrent loans to loans | 1.6426% | 1,783 |
| Net loans and leases to total assets | 60.3898% | 3,737 |
| Net loans and leases to deposits | 82.5416% | 2,402 |
| Net loans and leases to core deposits | 84.6584% | 2,830 |
| Total domestic deposits to total assets | 73.1629% | 6,003 |
| Equity capital to assets | 12.1349% | 1,920 |
| Core capital (leverage) ratio | 12.0970% | 1,565 |
| Tier 1 risk-based capital ratio | 17.0482% | 2,493 |
| Total risk-based capital ratio | 18.2989% | 2,443 |
| Memoranda: |
| Average total assets | $207,994,400 | 2,901 |
| Average earning assets | $191,833,600 | 2,890 |
| Average equity | $25,121,200 | 2,646 |
| Average total loans | $124,718,000 | 2,961 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3605% | 2,386 |
| Cost of funding earning assets | 0.4291% | 3,475 |
| Net interest margin | 3.9314% | 2,111 |
| Noninterest income to average assets | 0.5804% | 2,987 |
| Noninterest expense to average assets | 3.0455% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1555% | 1,845 |
| Return on assets (ROA) | 1.1555% | 1,905 |
| Pretax return on assets | 1.1555% | 2,966 |
| Return on Equity (ROE) | 9.5796% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.5796% | 816 |
| Net charge-offs to loans | 0.0087% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 222.1753% | 292 |
| Efficiency ratio | 72.4938% | 3,090 |
| Assets per employee ($millions) | 3.8061% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6410% | 2,162 |
| Loan loss allowance to noncurrent loans | 103.5240% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 2,674 |
| Noncurrent loans to loans | 1.5851% | 2,053 |
| Net loans and leases to total assets | 58.0391% | 4,061 |
| Net loans and leases to deposits | 75.6568% | 3,219 |
| Net loans and leases to core deposits | 77.5939% | 3,573 |
| Total domestic deposits to total assets | 76.7137% | 5,724 |
| Equity capital to assets | 12.3516% | 1,801 |
| Core capital (leverage) ratio | 12.3061% | 1,510 |
| Tier 1 risk-based capital ratio | 17.9475% | 2,227 |
| Total risk-based capital ratio | 19.1997% | 2,191 |
| Memoranda: |
| Average total assets | $205,151,000 | 2,957 |
| Average earning assets | $188,933,500 | 2,946 |
| Average equity | $24,746,500 | 2,694 |
| Average total loans | $122,277,000 | 3,013 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3929% | 2,198 |
| Cost of funding earning assets | 0.4342% | 3,503 |
| Net interest margin | 3.9587% | 1,934 |
| Noninterest income to average assets | 0.5870% | 2,883 |
| Noninterest expense to average assets | 3.0615% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1681% | 1,695 |
| Return on assets (ROA) | 1.1681% | 1,763 |
| Pretax return on assets | 1.1681% | 2,805 |
| Return on Equity (ROE) | 9.7634% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.7634% | 776 |
| Net charge-offs to loans | 0.0246% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 667 |
| Efficiency ratio | 72.3834% | 3,269 |
| Assets per employee ($millions) | 3.8915% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7190% | 2,076 |
| Loan loss allowance to noncurrent loans | 102.0718% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 2,707 |
| Noncurrent loans to loans | 1.6841% | 2,062 |
| Net loans and leases to total assets | 57.0729% | 4,101 |
| Net loans and leases to deposits | 70.5237% | 3,752 |
| Net loans and leases to core deposits | 72.1589% | 4,038 |
| Total domestic deposits to total assets | 80.9273% | 5,005 |
| Equity capital to assets | 12.4626% | 1,670 |
| Core capital (leverage) ratio | 12.1858% | 1,555 |
| Tier 1 risk-based capital ratio | 18.1977% | 2,168 |
| Total risk-based capital ratio | 19.4504% | 2,134 |
| Memoranda: |
| Average total assets | $203,757,000 | 2,985 |
| Average earning assets | $187,486,330 | 2,983 |
| Average equity | $24,376,670 | 2,724 |
| Average total loans | $121,862,000 | 3,030 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3625% | 2,290 |
| Cost of funding earning assets | 0.4403% | 3,534 |
| Net interest margin | 3.9222% | 2,005 |
| Noninterest income to average assets | 0.5576% | 3,000 |
| Noninterest expense to average assets | 3.0539% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1112% | 1,774 |
| Return on assets (ROA) | 1.1112% | 1,827 |
| Pretax return on assets | 1.1112% | 2,849 |
| Return on Equity (ROE) | 9.4843% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.4843% | 1,111 |
| Net charge-offs to loans | 0.0871% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 21.0370% | 1,310 |
| Efficiency ratio | 73.3208% | 3,255 |
| Assets per employee ($millions) | 3.9316% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6996% | 2,357 |
| Loan loss allowance to noncurrent loans | 212.2622% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 4,772 |
| Noncurrent loans to loans | 0.8007% | 3,869 |
| Net loans and leases to total assets | 55.7348% | 4,176 |
| Net loans and leases to deposits | 66.4314% | 4,040 |
| Net loans and leases to core deposits | 68.0706% | 4,299 |
| Total domestic deposits to total assets | 83.8983% | 4,306 |
| Equity capital to assets | 11.6309% | 2,149 |
| Core capital (leverage) ratio | 11.7726% | 1,785 |
| Tier 1 risk-based capital ratio | 17.6400% | 2,437 |
| Total risk-based capital ratio | 18.8930% | 2,397 |
| Memoranda: |
| Average total assets | $204,457,000 | 3,006 |
| Average earning assets | $188,057,500 | 2,993 |
| Average equity | $23,955,500 | 2,759 |
| Average total loans | $124,037,500 | 2,989 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6519% | 1,708 |
| Cost of funding earning assets | 0.4905% | 3,702 |
| Net interest margin | 4.1614% | 1,468 |
| Noninterest income to average assets | 1.0471% | 1,284 |
| Noninterest expense to average assets | 3.2058% | 2,397 |
| Loan and lease loss provision to assets | 0.1346% | 2,626 |
| Net operating income to assets | 1.5400% | 765 |
| Return on assets (ROA) | 1.5659% | 761 |
| Pretax return on assets | 1.5659% | 1,256 |
| Return on Equity (ROE) | 13.9424% | 958 |
| Retained earnings to average equity (ytd only) | 13.9032% | 204 |
| Net charge-offs to loans | 0.2187% | 2,715 |
| Credit loss provision to net charge-offs | 98.5663% | 2,518 |
| Earnings coverage of net charge-offs (x) | 12.2616% | 2,143 |
| Efficiency ratio | 65.6871% | 4,618 |
| Assets per employee ($millions) | 3.7837% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.2813% | 4,279 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5662% | 2,898 |
| Loan loss allowance to noncurrent loans | 287.4294% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 5,202 |
| Noncurrent loans to loans | 0.5449% | 4,629 |
| Net loans and leases to total assets | 63.7754% | 3,075 |
| Net loans and leases to deposits | 79.9073% | 2,469 |
| Net loans and leases to core deposits | 82.0638% | 2,889 |
| Total domestic deposits to total assets | 79.8118% | 5,490 |
| Equity capital to assets | 11.8057% | 1,946 |
| Core capital (leverage) ratio | 11.6717% | 1,845 |
| Tier 1 risk-based capital ratio | 16.1283% | 3,044 |
| Total risk-based capital ratio | 17.3799% | 2,992 |
| Memoranda: |
| Average total assets | $204,286,000 | 2,982 |
| Average earning assets | $188,180,800 | 2,975 |
| Average equity | $22,944,400 | 2,829 |
| Average total loans | $127,588,400 | 2,895 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6399% | 1,773 |
| Cost of funding earning assets | 0.4894% | 3,873 |
| Net interest margin | 4.1505% | 1,480 |
| Noninterest income to average assets | 1.2156% | 989 |
| Noninterest expense to average assets | 3.0691% | 2,760 |
| Loan and lease loss provision to assets | 0.1624% | 2,228 |
| Net operating income to assets | 1.8081% | 516 |
| Return on assets (ROA) | 1.8061% | 541 |
| Pretax return on assets | 1.8061% | 892 |
| Return on Equity (ROE) | 16.2842% | 613 |
| Retained earnings to average equity (ytd only) | 16.2842% | 151 |
| Net charge-offs to loans | 0.2750% | 2,175 |
| Credit loss provision to net charge-offs | 95.4198% | 2,500 |
| Earnings coverage of net charge-offs (x) | 11.5765% | 2,225 |
| Efficiency ratio | 60.8998% | 5,296 |
| Assets per employee ($millions) | 3.4159% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6214% | 2,906 |
| Loan loss allowance to noncurrent loans | 235.9721% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 4,977 |
| Noncurrent loans to loans | 0.6871% | 4,479 |
| Net loans and leases to total assets | 62.0772% | 3,345 |
| Net loans and leases to deposits | 75.4514% | 3,029 |
| Net loans and leases to core deposits | 78.3742% | 3,312 |
| Total domestic deposits to total assets | 82.2745% | 4,840 |
| Equity capital to assets | 11.7393% | 2,097 |
| Core capital (leverage) ratio | 11.2866% | 2,208 |
| Tier 1 risk-based capital ratio | 16.4555% | 2,955 |
| Total risk-based capital ratio | 17.7081% | 2,925 |
| Memoranda: |
| Average total assets | $205,223,000 | 2,986 |
| Average earning assets | $189,079,500 | 2,983 |
| Average equity | $22,761,750 | 2,875 |
| Average total loans | $127,003,250 | 2,927 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6074% | 1,832 |
| Cost of funding earning assets | 0.4795% | 4,105 |
| Net interest margin | 4.1278% | 1,474 |
| Noninterest income to average assets | 1.4856% | 715 |
| Noninterest expense to average assets | 2.9972% | 3,009 |
| Loan and lease loss provision to assets | 0.2409% | 1,545 |
| Net operating income to assets | 2.0540% | 326 |
| Return on assets (ROA) | 2.0492% | 347 |
| Pretax return on assets | 2.0492% | 547 |
| Return on Equity (ROE) | 18.8261% | 397 |
| Retained earnings to average equity (ytd only) | 18.8261% | 110 |
| Net charge-offs to loans | 0.3869% | 1,670 |
| Credit loss provision to net charge-offs | 101.2146% | 2,181 |
| Earnings coverage of net charge-offs (x) | 9.6437% | 2,251 |
| Efficiency ratio | 56.6357% | 5,885 |
| Assets per employee ($millions) | 3.9006% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5561% | 3,334 |
| Loan loss allowance to noncurrent loans | 46.9210% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 2.0761% | 2,082 |
| Noncurrent loans to loans | 3.3165% | 1,314 |
| Net loans and leases to total assets | 60.2153% | 3,617 |
| Net loans and leases to deposits | 74.2057% | 3,125 |
| Net loans and leases to core deposits | 77.0076% | 3,423 |
| Total domestic deposits to total assets | 81.1464% | 5,302 |
| Equity capital to assets | 10.6539% | 3,112 |
| Core capital (leverage) ratio | 10.4047% | 2,980 |
| Tier 1 risk-based capital ratio | 15.3256% | 3,582 |
| Total risk-based capital ratio | 16.5773% | 3,533 |
| Memoranda: |
| Average total assets | $207,590,330 | 2,974 |
| Average earning assets | $191,433,000 | 2,973 |
| Average equity | $22,596,330 | 2,914 |
| Average total loans | $127,666,000 | 2,925 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6121% | 1,793 |
| Cost of funding earning assets | 0.4521% | 4,572 |
| Net interest margin | 4.1600% | 1,302 |
| Noninterest income to average assets | 2.3692% | 341 |
| Noninterest expense to average assets | 2.8650% | 3,485 |
| Loan and lease loss provision to assets | 0.4899% | 549 |
| Net operating income to assets | 2.8728% | 117 |
| Return on assets (ROA) | 2.8630% | 124 |
| Pretax return on assets | 2.8630% | 180 |
| Return on Equity (ROE) | 26.0121% | 112 |
| Retained earnings to average equity (ytd only) | 26.0121% | 60 |
| Net charge-offs to loans | 0.8706% | 696 |
| Credit loss provision to net charge-offs | 91.2409% | 2,003 |
| Earnings coverage of net charge-offs (x) | 6.2628% | 2,247 |
| Efficiency ratio | 46.0038% | 6,694 |
| Assets per employee ($millions) | 4.2627% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5056% | 3,803 |
| Loan loss allowance to noncurrent loans | 185.2022% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 5,020 |
| Noncurrent loans to loans | 0.8129% | 4,497 |
| Net loans and leases to total assets | 61.8501% | 3,091 |
| Net loans and leases to deposits | 74.0637% | 2,912 |
| Net loans and leases to core deposits | 76.9976% | 3,206 |
| Total domestic deposits to total assets | 83.5094% | 4,664 |
| Equity capital to assets | 10.8552% | 3,137 |
| Core capital (leverage) ratio | 10.5438% | 2,715 |
| Tier 1 risk-based capital ratio | 14.6208% | 4,090 |
| Total risk-based capital ratio | 15.8723% | 4,052 |
| Memoranda: |
| Average total assets | $204,119,500 | 3,050 |
| Average earning assets | $189,329,000 | 3,021 |
| Average equity | $22,466,500 | 2,984 |
| Average total loans | $125,887,500 | 2,969 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7432% | 2,417 |
| Cost of funding earning assets | 0.5480% | 4,835 |
| Net interest margin | 4.1952% | 1,679 |
| Noninterest income to average assets | 0.6799% | 2,837 |
| Noninterest expense to average assets | 2.8301% | 3,904 |
| Loan and lease loss provision to assets | 0.1389% | 3,874 |
| Net operating income to assets | 1.5935% | 767 |
| Return on assets (ROA) | 1.5935% | 849 |
| Pretax return on assets | 1.5935% | 1,406 |
| Return on Equity (ROE) | 14.3776% | 920 |
| Retained earnings to average equity (ytd only) | 11.8707% | 340 |
| Net charge-offs to loans | 0.3379% | 2,946 |
| Credit loss provision to net charge-offs | 72.0339% | 4,098 |
| Earnings coverage of net charge-offs (x) | 8.9831% | 2,324 |
| Efficiency ratio | 62.0299% | 5,231 |
| Assets per employee ($millions) | 4.4342% | 3,080 |
| Cash dividends to net income (ytd only)* | 17.4359% | 3,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7289% | 2,823 |
| Loan loss allowance to noncurrent loans | 2,912.8571% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 6,328 |
| Noncurrent loans to loans | 0.0594% | 6,340 |
| Net loans and leases to total assets | 59.4026% | 3,702 |
| Net loans and leases to deposits | 78.2687% | 2,485 |
| Net loans and leases to core deposits | 81.7755% | 2,796 |
| Total domestic deposits to total assets | 75.8957% | 6,369 |
| Equity capital to assets | 11.1719% | 2,768 |
| Core capital (leverage) ratio | 10.9306% | 2,313 |
| Tier 1 risk-based capital ratio | 15.3819% | 3,495 |
| Total risk-based capital ratio | 16.6358% | 3,456 |
| Memoranda: |
| Average total assets | $183,559,400 | 3,268 |
| Average earning assets | $169,883,800 | 3,227 |
| Average equity | $20,344,200 | 3,159 |
| Average total loans | $104,755,600 | 3,405 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7369% | 2,634 |
| Cost of funding earning assets | 0.5789% | 4,845 |
| Net interest margin | 4.1580% | 1,872 |
| Noninterest income to average assets | 0.6893% | 2,760 |
| Noninterest expense to average assets | 2.7659% | 4,110 |
| Loan and lease loss provision to assets | 0.1181% | 4,075 |
| Net operating income to assets | 1.6538% | 757 |
| Return on assets (ROA) | 1.6538% | 837 |
| Pretax return on assets | 1.6538% | 1,400 |
| Return on Equity (ROE) | 14.9539% | 911 |
| Retained earnings to average equity (ytd only) | 11.5507% | 601 |
| Net charge-offs to loans | 0.4954% | 2,130 |
| Credit loss provision to net charge-offs | 42.4403% | 4,565 |
| Earnings coverage of net charge-offs (x) | 6.3687% | 2,806 |
| Efficiency ratio | 60.9530% | 5,324 |
| Assets per employee ($millions) | 4.1960% | 3,481 |
| Cash dividends to net income (ytd only)* | 22.7576% | 2,938 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8175% | 2,737 |
| Loan loss allowance to noncurrent loans | 215.8427% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 5,198 |
| Noncurrent loans to loans | 0.8420% | 4,734 |
| Net loans and leases to total assets | 56.2086% | 4,417 |
| Net loans and leases to deposits | 69.3885% | 3,978 |
| Net loans and leases to core deposits | 72.5059% | 4,192 |
| Total domestic deposits to total assets | 81.0056% | 5,357 |
| Equity capital to assets | 11.4942% | 2,746 |
| Core capital (leverage) ratio | 10.8742% | 2,517 |
| Tier 1 risk-based capital ratio | 16.3339% | 3,097 |
| Total risk-based capital ratio | 17.5878% | 3,058 |
| Memoranda: |
| Average total assets | $180,672,750 | 3,339 |
| Average earning assets | $167,222,000 | 3,302 |
| Average equity | $19,981,000 | 3,238 |
| Average total loans | $101,460,250 | 3,526 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7666% | 2,653 |
| Cost of funding earning assets | 0.5991% | 4,912 |
| Net interest margin | 4.1675% | 1,843 |
| Noninterest income to average assets | 0.6691% | 2,838 |
| Noninterest expense to average assets | 2.7699% | 4,136 |
| Loan and lease loss provision to assets | 0.1115% | 4,135 |
| Net operating income to assets | 1.6425% | 769 |
| Return on assets (ROA) | 1.6425% | 857 |
| Pretax return on assets | 1.6425% | 1,419 |
| Return on Equity (ROE) | 15.0554% | 930 |
| Retained earnings to average equity (ytd only) | 9.8428% | 1,016 |
| Net charge-offs to loans | 0.4778% | 2,159 |
| Credit loss provision to net charge-offs | 41.8410% | 4,222 |
| Earnings coverage of net charge-offs (x) | 6.5816% | 2,612 |
| Efficiency ratio | 61.2275% | 5,381 |
| Assets per employee ($millions) | 4.1852% | 3,485 |
| Cash dividends to net income (ytd only)* | 34.6232% | 2,408 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9789% | 2,285 |
| Loan loss allowance to noncurrent loans | 85.9415% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 3,695 |
| Noncurrent loans to loans | 2.3027% | 2,601 |
| Net loans and leases to total assets | 55.0196% | 4,630 |
| Net loans and leases to deposits | 64.8343% | 4,659 |
| Net loans and leases to core deposits | 68.0422% | 4,779 |
| Total domestic deposits to total assets | 84.8619% | 3,923 |
| Equity capital to assets | 11.2545% | 2,838 |
| Core capital (leverage) ratio | 10.3143% | 3,030 |
| Tier 1 risk-based capital ratio | 16.5076% | 2,909 |
| Total risk-based capital ratio | 17.7635% | 2,871 |
| Memoranda: |
| Average total assets | $179,356,000 | 3,363 |
| Average earning assets | $165,903,670 | 3,331 |
| Average equity | $19,567,670 | 3,274 |
| Average total loans | $100,048,670 | 3,570 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7414% | 2,880 |
| Cost of funding earning assets | 0.6017% | 5,110 |
| Net interest margin | 4.1397% | 1,966 |
| Noninterest income to average assets | 0.6188% | 3,111 |
| Noninterest expense to average assets | 2.6674% | 4,554 |
| Loan and lease loss provision to assets | 0.1675% | 3,299 |
| Net operating income to assets | 1.6107% | 847 |
| Return on assets (ROA) | 1.6107% | 947 |
| Pretax return on assets | 1.6107% | 1,538 |
| Return on Equity (ROE) | 15.0017% | 971 |
| Retained earnings to average equity (ytd only) | 4.3902% | 3,962 |
| Net charge-offs to loans | 0.8035% | 1,278 |
| Credit loss provision to net charge-offs | 37.5000% | 3,487 |
| Earnings coverage of net charge-offs (x) | 3.9800% | 2,700 |
| Efficiency ratio | 60.0000% | 5,610 |
| Assets per employee ($millions) | 4.4187% | 3,157 |
| Cash dividends to net income (ytd only)* | 70.7351% | 971 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9643% | 2,470 |
| Loan loss allowance to noncurrent loans | 78.7559% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 3,793 |
| Noncurrent loans to loans | 2.4942% | 2,613 |
| Net loans and leases to total assets | 54.1345% | 4,699 |
| Net loans and leases to deposits | 63.6213% | 4,687 |
| Net loans and leases to core deposits | 65.9609% | 4,914 |
| Total domestic deposits to total assets | 85.0887% | 3,993 |
| Equity capital to assets | 10.3376% | 3,688 |
| Core capital (leverage) ratio | 9.9868% | 3,380 |
| Tier 1 risk-based capital ratio | 16.0078% | 3,174 |
| Total risk-based capital ratio | 17.2646% | 3,137 |
| Memoranda: |
| Average total assets | $179,052,500 | 3,397 |
| Average earning assets | $165,521,000 | 3,355 |
| Average equity | $19,224,500 | 3,320 |
| Average total loans | $99,566,000 | 3,605 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2118% | 2,012 |
| Cost of funding earning assets | 0.7745% | 5,036 |
| Net interest margin | 4.4373% | 1,296 |
| Noninterest income to average assets | 0.5829% | 3,275 |
| Noninterest expense to average assets | 3.1061% | 3,174 |
| Loan and lease loss provision to assets | 0.0831% | 5,573 |
| Net operating income to assets | 1.4616% | 901 |
| Return on assets (ROA) | 1.4616% | 977 |
| Pretax return on assets | 1.4616% | 1,591 |
| Return on Equity (ROE) | 13.2724% | 1,099 |
| Retained earnings to average equity (ytd only) | 11.6676% | 333 |
| Net charge-offs to loans | 0.2191% | 4,416 |
| Credit loss provision to net charge-offs | 63.2075% | 5,080 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,687 |
| Efficiency ratio | 66.7867% | 4,610 |
| Assets per employee ($millions) | 4.0121% | 3,825 |
| Cash dividends to net income (ytd only)* | 12.0916% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2130% | 1,781 |
| Loan loss allowance to noncurrent loans | 89.0879% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 3,910 |
| Noncurrent loans to loans | 2.4841% | 2,646 |
| Net loans and leases to total assets | 54.7846% | 4,912 |
| Net loans and leases to deposits | 65.2494% | 4,842 |
| Net loans and leases to core deposits | 69.0632% | 4,900 |
| Total domestic deposits to total assets | 83.9620% | 4,331 |
| Equity capital to assets | 11.1662% | 2,829 |
| Core capital (leverage) ratio | 11.0268% | 2,253 |
| Tier 1 risk-based capital ratio | 17.0725% | 2,567 |
| Total risk-based capital ratio | 18.3325% | 2,522 |
| Memoranda: |
| Average total assets | $161,264,200 | 3,613 |
| Average earning assets | $147,836,400 | 3,606 |
| Average equity | $17,758,600 | 3,459 |
| Average total loans | $96,761,800 | 3,706 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3512% | 1,668 |
| Cost of funding earning assets | 0.8044% | 5,122 |
| Net interest margin | 4.5468% | 1,051 |
| Noninterest income to average assets | 0.5772% | 3,321 |
| Noninterest expense to average assets | 3.1126% | 3,111 |
| Loan and lease loss provision to assets | 0.1128% | 5,015 |
| Net operating income to assets | 1.5138% | 904 |
| Return on assets (ROA) | 1.5138% | 983 |
| Pretax return on assets | 1.5138% | 1,612 |
| Return on Equity (ROE) | 13.7992% | 1,079 |
| Retained earnings to average equity (ytd only) | 11.6131% | 540 |
| Net charge-offs to loans | 0.2287% | 4,008 |
| Credit loss provision to net charge-offs | 80.7229% | 4,118 |
| Earnings coverage of net charge-offs (x) | 11.6445% | 1,791 |
| Efficiency ratio | 65.6783% | 4,779 |
| Assets per employee ($millions) | 3.8010% | 4,304 |
| Cash dividends to net income (ytd only)* | 15.8421% | 3,088 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1754% | 1,909 |
| Loan loss allowance to noncurrent loans | 90.7354% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.4856% | 3,887 |
| Noncurrent loans to loans | 2.3975% | 2,890 |
| Net loans and leases to total assets | 60.0896% | 4,113 |
| Net loans and leases to deposits | 71.9574% | 3,996 |
| Net loans and leases to core deposits | 76.4413% | 4,147 |
| Total domestic deposits to total assets | 83.5072% | 4,473 |
| Equity capital to assets | 11.4953% | 2,688 |
| Core capital (leverage) ratio | 10.7859% | 2,586 |
| Tier 1 risk-based capital ratio | 16.1343% | 3,048 |
| Total risk-based capital ratio | 17.3940% | 3,009 |
| Memoranda: |
| Average total assets | $158,450,000 | 3,678 |
| Average earning assets | $145,036,750 | 3,681 |
| Average equity | $17,382,250 | 3,528 |
| Average total loans | $96,788,750 | 3,731 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4066% | 1,545 |
| Cost of funding earning assets | 0.8230% | 5,226 |
| Net interest margin | 4.5837% | 941 |
| Noninterest income to average assets | 0.5600% | 3,401 |
| Noninterest expense to average assets | 3.2209% | 2,831 |
| Loan and lease loss provision to assets | 0.1531% | 4,399 |
| Net operating income to assets | 1.3777% | 1,130 |
| Return on assets (ROA) | 1.3777% | 1,199 |
| Pretax return on assets | 1.3777% | 1,867 |
| Return on Equity (ROE) | 12.7707% | 1,250 |
| Retained earnings to average equity (ytd only) | 10.9970% | 665 |
| Net charge-offs to loans | 0.2929% | 3,411 |
| Credit loss provision to net charge-offs | 85.7143% | 3,595 |
| Earnings coverage of net charge-offs (x) | 8.5714% | 2,040 |
| Efficiency ratio | 67.7852% | 4,558 |
| Assets per employee ($millions) | 3.5126% | 4,913 |
| Cash dividends to net income (ytd only)* | 13.8889% | 3,039 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2470% | 1,825 |
| Loan loss allowance to noncurrent loans | 81.4238% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.7271% | 3,609 |
| Noncurrent loans to loans | 2.7596% | 2,640 |
| Net loans and leases to total assets | 60.4394% | 4,196 |
| Net loans and leases to deposits | 74.4572% | 3,723 |
| Net loans and leases to core deposits | 79.1798% | 3,903 |
| Total domestic deposits to total assets | 81.1734% | 5,468 |
| Equity capital to assets | 11.2508% | 2,724 |
| Core capital (leverage) ratio | 10.6650% | 2,554 |
| Tier 1 risk-based capital ratio | 15.7643% | 3,097 |
| Total risk-based capital ratio | 17.0248% | 3,071 |
| Memoranda: |
| Average total assets | $156,786,330 | 3,736 |
| Average earning assets | $143,379,000 | 3,735 |
| Average equity | $16,913,670 | 3,587 |
| Average total loans | $95,586,670 | 3,808 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3390% | 1,755 |
| Cost of funding earning assets | 0.8507% | 5,267 |
| Net interest margin | 4.4883% | 1,097 |
| Noninterest income to average assets | 0.5431% | 3,561 |
| Noninterest expense to average assets | 3.2329% | 2,763 |
| Loan and lease loss provision to assets | 0.1537% | 4,100 |
| Net operating income to assets | 1.2655% | 1,352 |
| Return on assets (ROA) | 1.2655% | 1,404 |
| Pretax return on assets | 1.2655% | 2,146 |
| Return on Equity (ROE) | 11.9914% | 1,465 |
| Retained earnings to average equity (ytd only) | 8.3503% | 1,603 |
| Net charge-offs to loans | 0.3724% | 2,577 |
| Credit loss provision to net charge-offs | 68.1818% | 3,378 |
| Earnings coverage of net charge-offs (x) | 6.2955% | 2,123 |
| Efficiency ratio | 69.4934% | 4,378 |
| Assets per employee ($millions) | 3.6720% | 4,600 |
| Cash dividends to net income (ytd only)* | 30.3644% | 1,978 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3263% | 1,722 |
| Loan loss allowance to noncurrent loans | 76.6912% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.9348% | 3,390 |
| Noncurrent loans to loans | 3.0334% | 2,478 |
| Net loans and leases to total assets | 58.1806% | 4,616 |
| Net loans and leases to deposits | 68.6207% | 4,592 |
| Net loans and leases to core deposits | 72.1786% | 4,767 |
| Total domestic deposits to total assets | 84.7857% | 4,131 |
| Equity capital to assets | 10.6062% | 3,075 |
| Core capital (leverage) ratio | 10.1948% | 2,934 |
| Tier 1 risk-based capital ratio | 15.7972% | 3,001 |
| Total risk-based capital ratio | 17.0582% | 2,957 |
| Memoranda: |
| Average total assets | $156,145,000 | 3,769 |
| Average earning assets | $142,949,000 | 3,772 |
| Average equity | $16,478,500 | 3,641 |
| Average total loans | $94,514,000 | 3,868 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5705% | 2,007 |
| Cost of funding earning assets | 1.3247% | 3,721 |
| Net interest margin | 4.2458% | 2,012 |
| Noninterest income to average assets | 0.5660% | 3,706 |
| Noninterest expense to average assets | 3.3312% | 2,635 |
| Loan and lease loss provision to assets | 0.1403% | 5,780 |
| Net operating income to assets | 0.9389% | 2,245 |
| Return on assets (ROA) | 1.0237% | 2,066 |
| Pretax return on assets | 1.0237% | 2,854 |
| Return on Equity (ROE) | 9.7970% | 2,003 |
| Retained earnings to average equity (ytd only) | 9.7395% | 564 |
| Net charge-offs to loans | 0.4930% | 3,656 |
| Credit loss provision to net charge-offs | 45.7516% | 6,321 |
| Earnings coverage of net charge-offs (x) | 3.5185% | 3,325 |
| Efficiency ratio | 75.5303% | 3,118 |
| Assets per employee ($millions) | 3.5905% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.5875% | 3,940 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3333% | 1,642 |
| Loan loss allowance to noncurrent loans | 74.5375% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 2.0396% | 3,299 |
| Noncurrent loans to loans | 3.1303% | 2,436 |
| Net loans and leases to total assets | 60.0795% | 4,665 |
| Net loans and leases to deposits | 70.5663% | 4,745 |
| Net loans and leases to core deposits | 74.0701% | 4,977 |
| Total domestic deposits to total assets | 85.1391% | 3,780 |
| Equity capital to assets | 10.4992% | 3,157 |
| Core capital (leverage) ratio | 10.3775% | 2,698 |
| Tier 1 risk-based capital ratio | 15.5603% | 2,971 |
| Total risk-based capital ratio | 16.8215% | 2,927 |
| Memoranda: |
| Average total assets | $149,646,200 | 3,882 |
| Average earning assets | $135,499,800 | 3,903 |
| Average equity | $15,637,400 | 3,831 |
| Average total loans | $93,108,000 | 3,977 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5829% | 2,129 |
| Cost of funding earning assets | 1.4012% | 3,578 |
| Net interest margin | 4.1817% | 2,285 |
| Noninterest income to average assets | 0.5397% | 3,864 |
| Noninterest expense to average assets | 3.3202% | 2,514 |
| Loan and lease loss provision to assets | 0.1886% | 5,158 |
| Net operating income to assets | 0.8074% | 2,968 |
| Return on assets (ROA) | 0.9214% | 2,668 |
| Pretax return on assets | 0.9214% | 3,487 |
| Return on Equity (ROE) | 8.8289% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.8289% | 1,109 |
| Net charge-offs to loans | 0.5239% | 3,205 |
| Credit loss provision to net charge-offs | 57.6923% | 5,752 |
| Earnings coverage of net charge-offs (x) | 3.0467% | 3,613 |
| Efficiency ratio | 76.9247% | 2,772 |
| Assets per employee ($millions) | 3.2878% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4703% | 1,374 |
| Loan loss allowance to noncurrent loans | 83.9753% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 2.0503% | 3,406 |
| Noncurrent loans to loans | 2.9417% | 2,713 |
| Net loans and leases to total assets | 63.0707% | 4,307 |
| Net loans and leases to deposits | 75.9998% | 4,178 |
| Net loans and leases to core deposits | 78.9936% | 4,665 |
| Total domestic deposits to total assets | 82.9880% | 4,590 |
| Equity capital to assets | 11.3581% | 2,650 |
| Core capital (leverage) ratio | 10.2250% | 3,012 |
| Tier 1 risk-based capital ratio | 15.4603% | 3,017 |
| Total risk-based capital ratio | 16.7238% | 2,981 |
| Memoranda: |
| Average total assets | $148,459,750 | 3,948 |
| Average earning assets | $134,073,750 | 3,988 |
| Average equity | $15,494,250 | 3,906 |
| Average total loans | $92,641,500 | 4,063 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4832% | 2,603 |
| Cost of funding earning assets | 1.4429% | 3,600 |
| Net interest margin | 4.0403% | 2,838 |
| Noninterest income to average assets | 0.5116% | 4,017 |
| Noninterest expense to average assets | 3.3435% | 2,419 |
| Loan and lease loss provision to assets | 0.2805% | 4,160 |
| Net operating income to assets | 0.5343% | 4,178 |
| Return on assets (ROA) | 0.7040% | 3,543 |
| Pretax return on assets | 0.7040% | 4,224 |
| Return on Equity (ROE) | 6.9424% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.9424% | 1,858 |
| Net charge-offs to loans | 0.6130% | 2,696 |
| Credit loss provision to net charge-offs | 74.2049% | 4,852 |
| Earnings coverage of net charge-offs (x) | 2.1555% | 3,943 |
| Efficiency ratio | 80.4048% | 2,385 |
| Assets per employee ($millions) | 3.4093% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6034% | 1,189 |
| Loan loss allowance to noncurrent loans | 82.1993% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 2.0721% | 3,416 |
| Noncurrent loans to loans | 3.1671% | 2,526 |
| Net loans and leases to total assets | 58.3306% | 5,364 |
| Net loans and leases to deposits | 70.6429% | 5,189 |
| Net loans and leases to core deposits | 72.0605% | 5,660 |
| Total domestic deposits to total assets | 82.5710% | 4,757 |
| Equity capital to assets | 10.1306% | 3,857 |
| Core capital (leverage) ratio | 9.6549% | 3,598 |
| Tier 1 risk-based capital ratio | 14.8640% | 3,227 |
| Total risk-based capital ratio | 16.1286% | 3,193 |
| Memoranda: |
| Average total assets | $149,725,330 | 3,957 |
| Average earning assets | $135,140,000 | 4,000 |
| Average equity | $15,182,000 | 3,957 |
| Average total loans | $92,338,330 | 4,099 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5433% | 2,392 |
| Cost of funding earning assets | 1.5009% | 3,547 |
| Net interest margin | 4.0424% | 2,685 |
| Noninterest income to average assets | 0.6032% | 3,259 |
| Noninterest expense to average assets | 3.3216% | 2,461 |
| Loan and lease loss provision to assets | 0.3570% | 3,234 |
| Net operating income to assets | 0.5599% | 4,082 |
| Return on assets (ROA) | 0.5599% | 4,227 |
| Pretax return on assets | 0.5599% | 4,751 |
| Return on Equity (ROE) | 5.5193% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.5193% | 2,857 |
| Net charge-offs to loans | 0.8599% | 1,819 |
| Credit loss provision to net charge-offs | 66.3317% | 4,175 |
| Earnings coverage of net charge-offs (x) | 1.7035% | 3,711 |
| Efficiency ratio | 78.3663% | 2,839 |
| Assets per employee ($millions) | 3.3126% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6230% | 1,152 |
| Loan loss allowance to noncurrent loans | 538.6517% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 6,196 |
| Noncurrent loans to loans | 0.4870% | 6,327 |
| Net loans and leases to total assets | 58.3974% | 5,368 |
| Net loans and leases to deposits | 71.4747% | 5,132 |
| Net loans and leases to core deposits | 74.2305% | 5,482 |
| Total domestic deposits to total assets | 81.7036% | 5,196 |
| Equity capital to assets | 9.9751% | 3,903 |
| Core capital (leverage) ratio | 9.7073% | 3,513 |
| Tier 1 risk-based capital ratio | 14.9228% | 3,141 |
| Total risk-based capital ratio | 16.1876% | 3,097 |
| Memoranda: |
| Average total assets | $147,879,500 | 4,042 |
| Average earning assets | $132,989,000 | 4,101 |
| Average equity | $15,002,000 | 4,012 |
| Average total loans | $92,567,000 | 4,150 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8982% | 2,244 |
| Cost of funding earning assets | 1.8901% | 3,518 |
| Net interest margin | 4.0081% | 2,822 |
| Noninterest income to average assets | 0.6399% | 3,355 |
| Noninterest expense to average assets | 3.5013% | 2,370 |
| Loan and lease loss provision to assets | 0.3397% | 4,765 |
| Net operating income to assets | 0.4023% | 4,121 |
| Return on assets (ROA) | 0.7019% | 2,994 |
| Pretax return on assets | 0.7019% | 3,564 |
| Return on Equity (ROE) | 7.0963% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.0963% | 933 |
| Net charge-offs to loans | 1.0904% | 2,238 |
| Credit loss provision to net charge-offs | 49.2596% | 6,755 |
| Earnings coverage of net charge-offs (x) | 1.0760% | 5,035 |
| Efficiency ratio | 82.5124% | 2,547 |
| Assets per employee ($millions) | 3.1862% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6293% | 1,093 |
| Loan loss allowance to noncurrent loans | 255.4404% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 4,695 |
| Noncurrent loans to loans | 1.0293% | 5,260 |
| Net loans and leases to total assets | 63.6676% | 4,662 |
| Net loans and leases to deposits | 80.9015% | 3,823 |
| Net loans and leases to core deposits | 92.4799% | 4,830 |
| Total domestic deposits to total assets | 78.6977% | 6,067 |
| Equity capital to assets | 10.3251% | 3,376 |
| Core capital (leverage) ratio | 9.9431% | 3,147 |
| Tier 1 risk-based capital ratio | 14.4053% | 3,260 |
| Total risk-based capital ratio | 15.6710% | 3,199 |
| Memoranda: |
| Average total assets | $146,887,200 | 3,999 |
| Average earning assets | $132,058,000 | 4,046 |
| Average equity | $14,528,800 | 4,139 |
| Average total loans | $92,899,800 | 4,136 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9201% | 2,355 |
| Cost of funding earning assets | 1.9356% | 3,681 |
| Net interest margin | 3.9845% | 2,878 |
| Noninterest income to average assets | 0.6027% | 3,679 |
| Noninterest expense to average assets | 3.4423% | 2,441 |
| Loan and lease loss provision to assets | 0.3817% | 4,035 |
| Net operating income to assets | 0.3654% | 4,531 |
| Return on assets (ROA) | 0.7625% | 3,036 |
| Pretax return on assets | 0.7625% | 3,657 |
| Return on Equity (ROE) | 7.7914% | 2,731 |
| Retained earnings to average equity (ytd only) | 7.7914% | 1,205 |
| Net charge-offs to loans | 1.0127% | 1,949 |
| Credit loss provision to net charge-offs | 60.0852% | 6,171 |
| Earnings coverage of net charge-offs (x) | 1.1761% | 4,885 |
| Efficiency ratio | 82.1667% | 2,558 |
| Assets per employee ($millions) | 3.2275% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9355% | 702 |
| Loan loss allowance to noncurrent loans | 379.4655% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 5,842 |
| Noncurrent loans to loans | 0.7736% | 5,751 |
| Net loans and leases to total assets | 61.4240% | 5,342 |
| Net loans and leases to deposits | 77.5013% | 4,820 |
| Net loans and leases to core deposits | 88.8697% | 5,545 |
| Total domestic deposits to total assets | 79.2554% | 5,708 |
| Equity capital to assets | 10.3568% | 3,672 |
| Core capital (leverage) ratio | 9.6513% | 3,714 |
| Tier 1 risk-based capital ratio | 14.5249% | 3,265 |
| Total risk-based capital ratio | 15.7931% | 3,203 |
| Memoranda: |
| Average total assets | $147,764,250 | 4,011 |
| Average earning assets | $133,013,250 | 4,055 |
| Average equity | $14,460,000 | 4,199 |
| Average total loans | $92,687,000 | 4,183 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9327% | 2,447 |
| Cost of funding earning assets | 1.9711% | 3,910 |
| Net interest margin | 3.9616% | 2,857 |
| Noninterest income to average assets | 0.6312% | 3,463 |
| Noninterest expense to average assets | 3.4548% | 2,483 |
| Loan and lease loss provision to assets | 0.3997% | 3,521 |
| Net operating income to assets | 0.3445% | 4,700 |
| Return on assets (ROA) | 0.9367% | 2,414 |
| Pretax return on assets | 0.9367% | 3,220 |
| Return on Equity (ROE) | 9.7575% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.7575% | 774 |
| Net charge-offs to loans | 1.2674% | 1,458 |
| Credit loss provision to net charge-offs | 50.4244% | 5,761 |
| Earnings coverage of net charge-offs (x) | 0.9389% | 4,826 |
| Efficiency ratio | 82.2756% | 2,693 |
| Assets per employee ($millions) | 3.1871% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8623% | 640 |
| Loan loss allowance to noncurrent loans | 183.0381% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 4,168 |
| Noncurrent loans to loans | 1.5638% | 4,153 |
| Net loans and leases to total assets | 60.8753% | 5,539 |
| Net loans and leases to deposits | 79.5719% | 4,607 |
| Net loans and leases to core deposits | 90.9360% | 5,457 |
| Total domestic deposits to total assets | 76.5036% | 6,436 |
| Equity capital to assets | 9.5024% | 4,609 |
| Core capital (leverage) ratio | 9.0387% | 4,569 |
| Tier 1 risk-based capital ratio | 13.9448% | 3,552 |
| Total risk-based capital ratio | 15.1922% | 3,487 |
| Memoranda: |
| Average total assets | $148,606,330 | 4,018 |
| Average earning assets | $133,835,330 | 4,071 |
| Average equity | $14,266,000 | 4,251 |
| Average total loans | $92,946,330 | 4,203 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9634% | 2,506 |
| Cost of funding earning assets | 2.0088% | 4,082 |
| Net interest margin | 3.9546% | 2,837 |
| Noninterest income to average assets | 0.5702% | 3,758 |
| Noninterest expense to average assets | 3.5294% | 2,030 |
| Loan and lease loss provision to assets | 0.4000% | 2,924 |
| Net operating income to assets | 0.2000% | 5,655 |
| Return on assets (ROA) | 0.9459% | 2,657 |
| Pretax return on assets | 0.9459% | 3,548 |
| Return on Equity (ROE) | 9.8025% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.8025% | 1,248 |
| Net charge-offs to loans | 1.6738% | 862 |
| Credit loss provision to net charge-offs | 38.2429% | 4,839 |
| Earnings coverage of net charge-offs (x) | 0.5736% | 4,535 |
| Efficiency ratio | 85.4712% | 2,133 |
| Assets per employee ($millions) | 3.2885% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9459% | 503 |
| Loan loss allowance to noncurrent loans | 101.9732% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.7508% | 3,296 |
| Noncurrent loans to loans | 2.8889% | 2,264 |
| Net loans and leases to total assets | 58.3842% | 5,882 |
| Net loans and leases to deposits | 72.9355% | 5,625 |
| Net loans and leases to core deposits | 82.0047% | 6,237 |
| Total domestic deposits to total assets | 80.0490% | 5,353 |
| Equity capital to assets | 9.1596% | 5,136 |
| Core capital (leverage) ratio | 8.9318% | 4,819 |
| Tier 1 risk-based capital ratio | 13.7593% | 3,716 |
| Total risk-based capital ratio | 15.0283% | 3,632 |
| Memoranda: |
| Average total assets | $148,013,000 | 4,045 |
| Average earning assets | $133,212,500 | 4,086 |
| Average equity | $14,282,000 | 4,274 |
| Average total loans | $92,482,500 | 4,244 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0256% | 1,062 |
| Cost of funding earning assets | 3.0357% | 1,728 |
| Net interest margin | 3.9899% | 3,163 |
| Noninterest income to average assets | 0.1870% | 7,108 |
| Noninterest expense to average assets | 3.4740% | 2,465 |
| Loan and lease loss provision to assets | 1.7240% | 749 |
| Net operating income to assets | -1.4435% | 7,443 |
| Return on assets (ROA) | -1.3980% | 7,371 |
| Pretax return on assets | -1.3980% | 7,214 |
| Return on Equity (ROE) | -15.7422% | 7,615 |
| Retained earnings to average equity (ytd only) | -15.7422% | 7,500 |
| Net charge-offs to loans | 1.0336% | 1,198 |
| Credit loss provision to net charge-offs | 242.6874% | 1,922 |
| Earnings coverage of net charge-offs (x) | 0.3949% | 5,996 |
| Efficiency ratio | 92.5285% | 1,355 |
| Assets per employee ($millions) | 2.8871% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2385% | 355 |
| Loan loss allowance to noncurrent loans | 273.0522% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 4,922 |
| Noncurrent loans to loans | 1.1860% | 4,138 |
| Net loans and leases to total assets | 62.9186% | 5,470 |
| Net loans and leases to deposits | 82.1442% | 4,705 |
| Net loans and leases to core deposits | 93.5135% | 5,492 |
| Total domestic deposits to total assets | 76.5952% | 6,098 |
| Equity capital to assets | 10.1840% | 3,824 |
| Core capital (leverage) ratio | 9.4514% | 4,086 |
| Tier 1 risk-based capital ratio | 13.8851% | 3,601 |
| Total risk-based capital ratio | 15.1577% | 3,510 |
| Memoranda: |
| Average total assets | $154,000,400 | 3,820 |
| Average earning assets | $137,696,600 | 3,899 |
| Average equity | $13,676,600 | 4,407 |
| Average total loans | $105,844,200 | 3,801 |
