| 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 | 4.3478% | 3,357 |
| Cost of funding earning assets | 1.8343% | 1,195 |
| Net interest margin | 2.5135% | 4,082 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.0379% | 3,536 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.6686% | 3,270 |
| Return on assets (ROA) | 0.5678% | 3,507 |
| Pretax return on assets | 0.7035% | 3,429 |
| Return on Equity (ROE) | 14.0100% | 1,483 |
| Retained earnings to average equity (ytd only) | 7.4383% | 1,739 |
| Net charge-offs to loans | -0.0227% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.3997% | 1,626 |
| Assets per employee ($millions) | 8.5144% | 1,179 |
| Cash dividends to net income (ytd only)* | 46.9079% | 1,780 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8091% | 3,946 |
| Loan loss allowance to noncurrent loans | 456.2887% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 2,768 |
| Noncurrent loans to loans | 0.1773% | 2,632 |
| Net loans and leases to total assets | 64.0500% | 2,456 |
| Net loans and leases to deposits | 72.8972% | 2,705 |
| Net loans and leases to core deposits | 75.2732% | 3,016 |
| Total domestic deposits to total assets | 87.8600% | 1,399 |
| Equity capital to assets | 4.5547% | 4,465 |
| Core capital (leverage) ratio | 8.1794% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1991% | 2,525 |
| Memoranda: |
| Average total assets | $1,654,511,000 | 663 |
| Average earning assets | $1,577,011,200 | 642 |
| Average equity | $67,058,200 | 1,292 |
| Average total loans | $1,047,466,200 | 700 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2114% | 3,450 |
| Cost of funding earning assets | 1.6911% | 1,206 |
| Net interest margin | 2.5203% | 4,120 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.0327% | 3,512 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 0.7115% | 3,292 |
| Return on assets (ROA) | 0.6946% | 3,321 |
| Pretax return on assets | 0.8621% | 3,189 |
| Return on Equity (ROE) | 17.7000% | 985 |
| Retained earnings to average equity (ytd only) | 11.0624% | 1,148 |
| Net charge-offs to loans | -0.0282% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.9943% | 1,569 |
| Assets per employee ($millions) | 8.4406% | 1,143 |
| Cash dividends to net income (ytd only)* | 37.5117% | 1,752 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8052% | 3,969 |
| Loan loss allowance to noncurrent loans | 451.2414% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 2,814 |
| Noncurrent loans to loans | 0.1784% | 2,656 |
| Net loans and leases to total assets | 62.9700% | 2,562 |
| Net loans and leases to deposits | 70.9459% | 2,779 |
| Net loans and leases to core deposits | 73.2594% | 3,039 |
| Total domestic deposits to total assets | 88.7600% | 1,328 |
| Equity capital to assets | 3.6461% | 4,443 |
| Core capital (leverage) ratio | 8.2519% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4096% | 2,475 |
| Memoranda: |
| Average total assets | $1,644,549,500 | 668 |
| Average earning assets | $1,565,939,500 | 649 |
| Average equity | $64,529,500 | 1,310 |
| Average total loans | $1,035,812,250 | 706 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9875% | 3,711 |
| Cost of funding earning assets | 1.4840% | 1,271 |
| Net interest margin | 2.5035% | 4,204 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.0138% | 3,561 |
| Loan and lease loss provision to assets | -0.2000% | 4,610 |
| Net operating income to assets | 0.7874% | 3,115 |
| Return on assets (ROA) | 0.7623% | 3,200 |
| Pretax return on assets | 0.9534% | 3,035 |
| Return on Equity (ROE) | 18.9700% | 832 |
| Retained earnings to average equity (ytd only) | 11.6207% | 1,054 |
| Net charge-offs to loans | -0.0962% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.8323% | 1,573 |
| Assets per employee ($millions) | 8.0670% | 1,285 |
| Cash dividends to net income (ytd only)* | 38.7392% | 1,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8117% | 3,989 |
| Loan loss allowance to noncurrent loans | 174.4889% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 1,750 |
| Noncurrent loans to loans | 0.4652% | 1,550 |
| Net loans and leases to total assets | 62.4200% | 2,535 |
| Net loans and leases to deposits | 70.5086% | 2,748 |
| Net loans and leases to core deposits | 73.8551% | 2,897 |
| Total domestic deposits to total assets | 88.5300% | 1,415 |
| Equity capital to assets | 4.1507% | 4,492 |
| Core capital (leverage) ratio | 8.4351% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6528% | 2,417 |
| Memoranda: |
| Average total assets | $1,635,650,667 | 663 |
| Average earning assets | $1,560,375,000 | 639 |
| Average equity | $65,727,333 | 1,295 |
| Average total loans | $1,027,447,667 | 695 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9414% | 3,581 |
| Cost of funding earning assets | 1.2938% | 1,245 |
| Net interest margin | 2.6476% | 4,151 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.9904% | 3,650 |
| Loan and lease loss provision to assets | -0.4400% | 4,654 |
| Net operating income to assets | 1.0987% | 2,233 |
| Return on assets (ROA) | 1.0490% | 2,355 |
| Pretax return on assets | 1.3297% | 2,086 |
| Return on Equity (ROE) | 26.5400% | 337 |
| Retained earnings to average equity (ytd only) | 18.9399% | 442 |
| Net charge-offs to loans | -0.2074% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.6705% | 2,014 |
| Assets per employee ($millions) | 8.0683% | 1,303 |
| Cash dividends to net income (ytd only)* | 28.6447% | 1,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8091% | 4,070 |
| Loan loss allowance to noncurrent loans | 179.5878% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 1,739 |
| Noncurrent loans to loans | 0.4505% | 1,593 |
| Net loans and leases to total assets | 62.2300% | 2,444 |
| Net loans and leases to deposits | 70.4886% | 2,566 |
| Net loans and leases to core deposits | 74.1782% | 2,667 |
| Total domestic deposits to total assets | 88.2800% | 1,826 |
| Equity capital to assets | 4.4042% | 4,508 |
| Core capital (leverage) ratio | 8.3913% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8607% | 2,446 |
| Memoranda: |
| Average total assets | $1,634,671,500 | 672 |
| Average earning assets | $1,560,036,000 | 647 |
| Average equity | $64,604,500 | 1,323 |
| Average total loans | $1,025,884,500 | 707 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3057% | 3,581 |
| Cost of funding earning assets | 0.5031% | 1,366 |
| Net interest margin | 2.8025% | 3,886 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.9002% | 3,818 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.0074% | 2,541 |
| Return on assets (ROA) | 1.0005% | 2,511 |
| Pretax return on assets | 1.2378% | 2,313 |
| Return on Equity (ROE) | 21.1600% | 382 |
| Retained earnings to average equity (ytd only) | 15.5918% | 247 |
| Net charge-offs to loans | -0.0203% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.4013% | 2,857 |
| Assets per employee ($millions) | 8.2784% | 1,194 |
| Cash dividends to net income (ytd only)* | 26.3241% | 2,601 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0132% | 3,291 |
| Loan loss allowance to noncurrent loans | 218.4855% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 1,691 |
| Noncurrent loans to loans | 0.4637% | 1,546 |
| Net loans and leases to total assets | 62.1400% | 2,421 |
| Net loans and leases to deposits | 72.5392% | 2,367 |
| Net loans and leases to core deposits | 74.2947% | 2,547 |
| Total domestic deposits to total assets | 85.6700% | 2,808 |
| Equity capital to assets | 3.5116% | 4,569 |
| Core capital (leverage) ratio | 8.0720% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5189% | 2,567 |
| Memoranda: |
| Average total assets | $1,643,656,800 | 658 |
| Average earning assets | $1,574,963,800 | 628 |
| Average equity | $77,707,400 | 1,156 |
| Average total loans | $972,822,800 | 703 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1679% | 3,515 |
| Cost of funding earning assets | 0.3780% | 1,459 |
| Net interest margin | 2.7900% | 3,754 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 1.8853% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9779% | 2,550 |
| Return on assets (ROA) | 0.9782% | 2,531 |
| Pretax return on assets | 1.2030% | 2,354 |
| Return on Equity (ROE) | 19.4300% | 484 |
| Retained earnings to average equity (ytd only) | 14.2548% | 435 |
| Net charge-offs to loans | -0.0215% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0532% | 2,959 |
| Assets per employee ($millions) | 8.3767% | 1,131 |
| Cash dividends to net income (ytd only)* | 26.6345% | 2,181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1244% | 2,902 |
| Loan loss allowance to noncurrent loans | 178.9175% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 1,398 |
| Noncurrent loans to loans | 0.6285% | 1,293 |
| Net loans and leases to total assets | 61.0400% | 2,398 |
| Net loans and leases to deposits | 67.5167% | 2,578 |
| Net loans and leases to core deposits | 68.7209% | 2,743 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 2.8474% | 4,601 |
| Core capital (leverage) ratio | 7.9321% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4020% | 2,687 |
| Memoranda: |
| Average total assets | $1,640,652,500 | 662 |
| Average earning assets | $1,574,708,000 | 634 |
| Average equity | $82,599,250 | 1,115 |
| Average total loans | $956,177,250 | 710 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0298% | 3,475 |
| Cost of funding earning assets | 0.2905% | 1,800 |
| Net interest margin | 2.7394% | 3,611 |
| Noninterest income to average assets | 0.4053% | 2,725 |
| Noninterest expense to average assets | 1.8780% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9478% | 2,367 |
| Return on assets (ROA) | 0.9482% | 2,339 |
| Pretax return on assets | 1.1647% | 2,190 |
| Return on Equity (ROE) | 16.4644% | 640 |
| Retained earnings to average equity (ytd only) | 11.5758% | 683 |
| Net charge-offs to loans | -0.0241% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7318% | 3,076 |
| Assets per employee ($millions) | 8.2949% | 1,157 |
| Cash dividends to net income (ytd only)* | 29.6919% | 2,118 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1726% | 2,834 |
| Loan loss allowance to noncurrent loans | 159.4495% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 1,310 |
| Noncurrent loans to loans | 0.7354% | 1,170 |
| Net loans and leases to total assets | 58.2682% | 2,504 |
| Net loans and leases to deposits | 64.8729% | 2,652 |
| Net loans and leases to core deposits | 66.0579% | 2,813 |
| Total domestic deposits to total assets | 89.8191% | 1,790 |
| Equity capital to assets | 4.3534% | 4,582 |
| Core capital (leverage) ratio | 7.8589% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5701% | 2,654 |
| Memoranda: |
| Average total assets | $1,643,052,000 | 655 |
| Average earning assets | $1,581,538,333 | 629 |
| Average equity | $94,628,667 | 999 |
| Average total loans | $938,791,000 | 709 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9463% | 3,411 |
| Cost of funding earning assets | 0.2697% | 1,930 |
| Net interest margin | 2.6766% | 3,457 |
| Noninterest income to average assets | 0.3987% | 2,699 |
| Noninterest expense to average assets | 1.8831% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9001% | 2,266 |
| Return on assets (ROA) | 0.9003% | 2,267 |
| Pretax return on assets | 1.1013% | 2,140 |
| Return on Equity (ROE) | 13.9433% | 845 |
| Retained earnings to average equity (ytd only) | 9.4948% | 1,147 |
| Net charge-offs to loans | -0.0203% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1031% | 3,133 |
| Assets per employee ($millions) | 8.5146% | 1,110 |
| Cash dividends to net income (ytd only)* | 31.9040% | 1,709 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2123% | 2,794 |
| Loan loss allowance to noncurrent loans | 154.4417% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 1,372 |
| Noncurrent loans to loans | 0.7850% | 1,209 |
| Net loans and leases to total assets | 55.9808% | 2,527 |
| Net loans and leases to deposits | 63.0395% | 2,624 |
| Net loans and leases to core deposits | 64.1547% | 2,785 |
| Total domestic deposits to total assets | 88.8028% | 2,167 |
| Equity capital to assets | 5.4646% | 4,668 |
| Core capital (leverage) ratio | 7.8002% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7115% | 2,711 |
| Memoranda: |
| Average total assets | $1,647,531,000 | 656 |
| Average earning assets | $1,591,396,500 | 627 |
| Average equity | $106,373,500 | 950 |
| Average total loans | $926,459,500 | 711 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0583% | 3,764 |
| Cost of funding earning assets | 0.3061% | 2,345 |
| Net interest margin | 2.7522% | 3,774 |
| Noninterest income to average assets | 0.4634% | 2,753 |
| Noninterest expense to average assets | 1.9582% | 3,800 |
| Loan and lease loss provision to assets | 0.0292% | 2,474 |
| Net operating income to assets | 0.9298% | 2,939 |
| Return on assets (ROA) | 0.9308% | 3,003 |
| Pretax return on assets | 1.1370% | 2,867 |
| Return on Equity (ROE) | 12.0684% | 1,792 |
| Retained earnings to average equity (ytd only) | 7.3318% | 1,790 |
| Net charge-offs to loans | 0.0107% | 2,159 |
| Credit loss provision to net charge-offs | 458.0000% | 842 |
| Earnings coverage of net charge-offs (x) | 182.8400% | 573 |
| Efficiency ratio | 62.6964% | 2,765 |
| Assets per employee ($millions) | 8.4707% | 1,095 |
| Cash dividends to net income (ytd only)* | 39.2483% | 2,070 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2071% | 2,855 |
| Loan loss allowance to noncurrent loans | 148.5259% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 1,457 |
| Noncurrent loans to loans | 0.8127% | 1,253 |
| Net loans and leases to total assets | 55.1316% | 2,719 |
| Net loans and leases to deposits | 63.1370% | 2,771 |
| Net loans and leases to core deposits | 64.2548% | 2,957 |
| Total domestic deposits to total assets | 87.3206% | 2,374 |
| Equity capital to assets | 7.4333% | 4,614 |
| Core capital (leverage) ratio | 7.6715% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8520% | 2,686 |
| Memoranda: |
| Average total assets | $1,569,329,400 | 659 |
| Average earning assets | $1,516,637,400 | 630 |
| Average equity | $121,034,800 | 858 |
| Average total loans | $930,926,400 | 701 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0846% | 3,846 |
| Cost of funding earning assets | 0.3137% | 2,468 |
| Net interest margin | 2.7709% | 3,840 |
| Noninterest income to average assets | 0.4778% | 2,718 |
| Noninterest expense to average assets | 1.9518% | 3,806 |
| Loan and lease loss provision to assets | 0.0395% | 2,206 |
| Net operating income to assets | 0.9531% | 3,067 |
| Return on assets (ROA) | 0.9543% | 3,148 |
| Pretax return on assets | 1.1631% | 3,038 |
| Return on Equity (ROE) | 12.2547% | 1,958 |
| Retained earnings to average equity (ytd only) | 7.1215% | 2,367 |
| Net charge-offs to loans | 0.0100% | 1,949 |
| Credit loss provision to net charge-offs | 654.2857% | 672 |
| Earnings coverage of net charge-offs (x) | 199.0286% | 554 |
| Efficiency ratio | 61.9063% | 2,715 |
| Assets per employee ($millions) | 8.3001% | 1,129 |
| Cash dividends to net income (ytd only)* | 41.8880% | 1,533 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2103% | 2,941 |
| Loan loss allowance to noncurrent loans | 143.2733% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 1,596 |
| Noncurrent loans to loans | 0.8448% | 1,350 |
| Net loans and leases to total assets | 55.6963% | 2,762 |
| Net loans and leases to deposits | 63.9268% | 2,860 |
| Net loans and leases to core deposits | 65.0880% | 3,033 |
| Total domestic deposits to total assets | 87.1251% | 2,305 |
| Equity capital to assets | 7.3527% | 4,745 |
| Core capital (leverage) ratio | 7.5978% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5487% | 2,843 |
| Memoranda: |
| Average total assets | $1,546,597,750 | 678 |
| Average earning assets | $1,493,134,750 | 644 |
| Average equity | $120,440,500 | 874 |
| Average total loans | $932,030,500 | 716 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1384% | 3,788 |
| Cost of funding earning assets | 0.3253% | 2,540 |
| Net interest margin | 2.8131% | 3,764 |
| Noninterest income to average assets | 0.4938% | 2,646 |
| Noninterest expense to average assets | 1.9669% | 3,793 |
| Loan and lease loss provision to assets | 0.0605% | 1,825 |
| Net operating income to assets | 0.9690% | 3,007 |
| Return on assets (ROA) | 0.9695% | 3,085 |
| Pretax return on assets | 1.1807% | 2,965 |
| Return on Equity (ROE) | 12.2036% | 1,981 |
| Retained earnings to average equity (ytd only) | 7.3744% | 2,300 |
| Net charge-offs to loans | 0.0176% | 1,596 |
| Credit loss provision to net charge-offs | 558.5366% | 649 |
| Earnings coverage of net charge-offs (x) | 114.5488% | 688 |
| Efficiency ratio | 61.3234% | 2,827 |
| Assets per employee ($millions) | 7.7238% | 1,346 |
| Cash dividends to net income (ytd only)* | 39.5723% | 1,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2097% | 2,875 |
| Loan loss allowance to noncurrent loans | 136.8601% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 1,581 |
| Noncurrent loans to loans | 0.8839% | 1,392 |
| Net loans and leases to total assets | 58.6329% | 2,586 |
| Net loans and leases to deposits | 68.0789% | 2,608 |
| Net loans and leases to core deposits | 69.4725% | 2,832 |
| Total domestic deposits to total assets | 86.1249% | 2,698 |
| Equity capital to assets | 7.8332% | 4,617 |
| Core capital (leverage) ratio | 7.6938% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9722% | 2,733 |
| Memoranda: |
| Average total assets | $1,514,326,000 | 683 |
| Average earning assets | $1,460,829,333 | 653 |
| Average equity | $120,308,667 | 869 |
| Average total loans | $933,862,667 | 720 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2378% | 3,612 |
| Cost of funding earning assets | 0.3377% | 2,642 |
| Net interest margin | 2.9001% | 3,524 |
| Noninterest income to average assets | 0.5423% | 2,431 |
| Noninterest expense to average assets | 1.9475% | 3,864 |
| Loan and lease loss provision to assets | 0.0738% | 1,702 |
| Net operating income to assets | 1.0824% | 2,534 |
| Return on assets (ROA) | 1.0830% | 2,610 |
| Pretax return on assets | 1.3177% | 2,520 |
| Return on Equity (ROE) | 13.5327% | 1,530 |
| Retained earnings to average equity (ytd only) | 7.3193% | 2,472 |
| Net charge-offs to loans | -0.0060% | 3,464 |
| Credit loss provision to net charge-offs | -1,964.2857% | 3,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3400% | 3,254 |
| Assets per employee ($millions) | 7.6253% | 1,382 |
| Cash dividends to net income (ytd only)* | 45.9138% | 1,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1713% | 3,086 |
| Loan loss allowance to noncurrent loans | 125.0703% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 1,658 |
| Noncurrent loans to loans | 0.9365% | 1,442 |
| Net loans and leases to total assets | 60.2872% | 2,513 |
| Net loans and leases to deposits | 69.9008% | 2,517 |
| Net loans and leases to core deposits | 71.4403% | 2,750 |
| Total domestic deposits to total assets | 86.2468% | 2,651 |
| Equity capital to assets | 7.5397% | 4,696 |
| Core capital (leverage) ratio | 8.1188% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0577% | 2,644 |
| Memoranda: |
| Average total assets | $1,491,381,500 | 682 |
| Average earning assets | $1,437,762,500 | 658 |
| Average equity | $119,355,500 | 865 |
| Average total loans | $937,793,500 | 712 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3865% | 4,213 |
| Cost of funding earning assets | 0.5035% | 2,926 |
| Net interest margin | 2.8830% | 4,138 |
| Noninterest income to average assets | 0.5450% | 2,442 |
| Noninterest expense to average assets | 2.1593% | 3,788 |
| Loan and lease loss provision to assets | 0.0940% | 3,175 |
| Net operating income to assets | 0.8827% | 2,767 |
| Return on assets (ROA) | 0.8842% | 2,902 |
| Pretax return on assets | 1.0696% | 2,815 |
| Return on Equity (ROE) | 10.1063% | 1,965 |
| Retained earnings to average equity (ytd only) | 6.3116% | 1,661 |
| Net charge-offs to loans | 0.0358% | 2,339 |
| Credit loss provision to net charge-offs | 401.9293% | 1,427 |
| Earnings coverage of net charge-offs (x) | 49.6592% | 1,206 |
| Efficiency ratio | 65.0169% | 2,677 |
| Assets per employee ($millions) | 7.1005% | 1,512 |
| Cash dividends to net income (ytd only)* | 37.5479% | 2,467 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1683% | 3,116 |
| Loan loss allowance to noncurrent loans | 112.3029% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 1,544 |
| Noncurrent loans to loans | 1.0403% | 1,366 |
| Net loans and leases to total assets | 64.1705% | 2,332 |
| Net loans and leases to deposits | 74.5762% | 2,424 |
| Net loans and leases to core deposits | 76.4288% | 2,687 |
| Total domestic deposits to total assets | 86.0468% | 2,345 |
| Equity capital to assets | 8.5080% | 4,436 |
| Core capital (leverage) ratio | 8.2273% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1543% | 2,567 |
| Memoranda: |
| Average total assets | $1,329,258,800 | 689 |
| Average earning assets | $1,279,975,200 | 660 |
| Average equity | $116,293,400 | 850 |
| Average total loans | $869,848,400 | 739 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4595% | 4,274 |
| Cost of funding earning assets | 0.5423% | 2,976 |
| Net interest margin | 2.9172% | 4,150 |
| Noninterest income to average assets | 0.5097% | 2,568 |
| Noninterest expense to average assets | 2.1620% | 3,776 |
| Loan and lease loss provision to assets | 0.1022% | 3,043 |
| Net operating income to assets | 0.8716% | 2,813 |
| Return on assets (ROA) | 0.8730% | 2,934 |
| Pretax return on assets | 1.0547% | 2,891 |
| Return on Equity (ROE) | 9.9038% | 2,053 |
| Retained earnings to average equity (ytd only) | 6.3413% | 1,951 |
| Net charge-offs to loans | 0.0190% | 2,478 |
| Credit loss provision to net charge-offs | 819.6721% | 963 |
| Earnings coverage of net charge-offs (x) | 92.6639% | 832 |
| Efficiency ratio | 65.1747% | 2,566 |
| Assets per employee ($millions) | 6.9220% | 1,553 |
| Cash dividends to net income (ytd only)* | 35.9710% | 2,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2002% | 2,661 |
| Loan loss allowance to noncurrent loans | 107.6392% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 1,638 |
| Noncurrent loans to loans | 1.1150% | 1,353 |
| Net loans and leases to total assets | 63.0654% | 2,878 |
| Net loans and leases to deposits | 72.9684% | 3,037 |
| Net loans and leases to core deposits | 74.8845% | 3,248 |
| Total domestic deposits to total assets | 86.4284% | 1,888 |
| Equity capital to assets | 8.4860% | 4,470 |
| Core capital (leverage) ratio | 8.1434% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5062% | 2,412 |
| Memoranda: |
| Average total assets | $1,304,771,500 | 685 |
| Average earning assets | $1,255,679,250 | 654 |
| Average equity | $115,010,000 | 850 |
| Average total loans | $855,642,500 | 740 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5859% | 4,283 |
| Cost of funding earning assets | 0.6015% | 2,957 |
| Net interest margin | 2.9844% | 4,160 |
| Noninterest income to average assets | 0.4646% | 2,739 |
| Noninterest expense to average assets | 2.2039% | 3,775 |
| Loan and lease loss provision to assets | 0.1180% | 2,841 |
| Net operating income to assets | 0.8393% | 2,900 |
| Return on assets (ROA) | 0.8395% | 3,017 |
| Pretax return on assets | 1.0105% | 2,991 |
| Return on Equity (ROE) | 9.3944% | 2,204 |
| Retained earnings to average equity (ytd only) | 5.8979% | 2,123 |
| Net charge-offs to loans | 0.0411% | 1,915 |
| Credit loss provision to net charge-offs | 433.5260% | 1,337 |
| Earnings coverage of net charge-offs (x) | 41.4566% | 1,224 |
| Efficiency ratio | 66.1395% | 2,499 |
| Assets per employee ($millions) | 6.8286% | 1,544 |
| Cash dividends to net income (ytd only)* | 37.2189% | 2,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1859% | 2,586 |
| Loan loss allowance to noncurrent loans | 101.0526% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 1,645 |
| Noncurrent loans to loans | 1.1735% | 1,333 |
| Net loans and leases to total assets | 63.2103% | 2,978 |
| Net loans and leases to deposits | 73.6920% | 3,106 |
| Net loans and leases to core deposits | 75.6445% | 3,312 |
| Total domestic deposits to total assets | 85.7764% | 2,103 |
| Equity capital to assets | 8.5188% | 4,465 |
| Core capital (leverage) ratio | 8.5115% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5366% | 2,380 |
| Memoranda: |
| Average total assets | $1,271,306,667 | 682 |
| Average earning assets | $1,221,558,333 | 656 |
| Average equity | $113,599,333 | 855 |
| Average total loans | $841,877,000 | 744 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8524% | 4,125 |
| Cost of funding earning assets | 0.7425% | 2,710 |
| Net interest margin | 3.1099% | 4,074 |
| Noninterest income to average assets | 0.4666% | 2,716 |
| Noninterest expense to average assets | 2.3761% | 3,591 |
| Loan and lease loss provision to assets | 0.1643% | 1,771 |
| Net operating income to assets | 0.7610% | 3,051 |
| Return on assets (ROA) | 0.7610% | 3,128 |
| Pretax return on assets | 0.9102% | 3,108 |
| Return on Equity (ROE) | 8.2977% | 2,389 |
| Retained earnings to average equity (ytd only) | 4.7006% | 2,417 |
| Net charge-offs to loans | 0.0258% | 1,851 |
| Credit loss provision to net charge-offs | 943.3962% | 602 |
| Earnings coverage of net charge-offs (x) | 61.6981% | 794 |
| Efficiency ratio | 68.8601% | 2,526 |
| Assets per employee ($millions) | 5.9609% | 1,716 |
| Cash dividends to net income (ytd only)* | 43.3506% | 1,804 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2578% | 2,350 |
| Loan loss allowance to noncurrent loans | 92.8148% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 1,469 |
| Noncurrent loans to loans | 1.3552% | 1,187 |
| Net loans and leases to total assets | 66.3878% | 2,770 |
| Net loans and leases to deposits | 77.7411% | 2,913 |
| Net loans and leases to core deposits | 80.3483% | 3,166 |
| Total domestic deposits to total assets | 85.3960% | 2,249 |
| Equity capital to assets | 9.3780% | 4,334 |
| Core capital (leverage) ratio | 9.0747% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2003% | 2,621 |
| Memoranda: |
| Average total assets | $1,217,266,500 | 683 |
| Average earning assets | $1,168,008,500 | 653 |
| Average equity | $111,645,500 | 859 |
| Average total loans | $821,626,000 | 730 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0067% | 4,245 |
| Cost of funding earning assets | 0.8794% | 2,287 |
| Net interest margin | 3.1273% | 4,327 |
| Noninterest income to average assets | 0.4986% | 2,752 |
| Noninterest expense to average assets | 2.3211% | 3,895 |
| Loan and lease loss provision to assets | 0.1082% | 1,920 |
| Net operating income to assets | 0.8882% | 3,258 |
| Return on assets (ROA) | 0.8864% | 3,345 |
| Pretax return on assets | 1.0643% | 3,288 |
| Return on Equity (ROE) | 10.3308% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.6246% | 1,553 |
| Net charge-offs to loans | 0.0304% | 2,790 |
| Credit loss provision to net charge-offs | 526.3158% | 556 |
| Earnings coverage of net charge-offs (x) | 57.1255% | 1,017 |
| Efficiency ratio | 66.3976% | 2,706 |
| Assets per employee ($millions) | 5.9149% | 1,698 |
| Cash dividends to net income (ytd only)* | 35.8753% | 2,811 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2033% | 2,421 |
| Loan loss allowance to noncurrent loans | 84.4754% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 1,304 |
| Noncurrent loans to loans | 1.4244% | 1,029 |
| Net loans and leases to total assets | 66.9484% | 2,840 |
| Net loans and leases to deposits | 78.2173% | 2,984 |
| Net loans and leases to core deposits | 81.7898% | 3,147 |
| Total domestic deposits to total assets | 85.5929% | 2,239 |
| Equity capital to assets | 8.9641% | 4,700 |
| Core capital (leverage) ratio | 8.8869% | 4,609 |
| Tier 1 risk-based capital ratio | 11.8389% | 4,455 |
| Total risk-based capital ratio | 12.9264% | 4,425 |
| Memoranda: |
| Average total assets | $1,201,203,600 | 660 |
| Average earning assets | $1,151,230,000 | 629 |
| Average equity | $103,070,400 | 878 |
| Average total loans | $812,035,600 | 706 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0170% | 4,331 |
| Cost of funding earning assets | 0.8928% | 2,265 |
| Net interest margin | 3.1242% | 4,438 |
| Noninterest income to average assets | 0.4923% | 2,782 |
| Noninterest expense to average assets | 2.2579% | 4,057 |
| Loan and lease loss provision to assets | 0.1029% | 1,862 |
| Net operating income to assets | 0.9348% | 3,218 |
| Return on assets (ROA) | 0.9315% | 3,302 |
| Pretax return on assets | 1.1211% | 3,237 |
| Return on Equity (ROE) | 10.9796% | 2,024 |
| Retained earnings to average equity (ytd only) | 7.1003% | 1,819 |
| Net charge-offs to loans | 0.0436% | 2,220 |
| Credit loss provision to net charge-offs | 349.0566% | 863 |
| Earnings coverage of net charge-offs (x) | 41.6496% | 1,335 |
| Efficiency ratio | 64.7729% | 2,896 |
| Assets per employee ($millions) | 6.1715% | 1,475 |
| Cash dividends to net income (ytd only)* | 35.3320% | 2,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1426% | 2,813 |
| Loan loss allowance to noncurrent loans | 76.2877% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 1,323 |
| Noncurrent loans to loans | 1.4977% | 1,010 |
| Net loans and leases to total assets | 66.5515% | 2,982 |
| Net loans and leases to deposits | 78.3677% | 3,061 |
| Net loans and leases to core deposits | 81.9497% | 3,248 |
| Total domestic deposits to total assets | 84.9221% | 2,450 |
| Equity capital to assets | 8.7146% | 4,918 |
| Core capital (leverage) ratio | 8.8114% | 4,769 |
| Tier 1 risk-based capital ratio | 11.6013% | 4,624 |
| Total risk-based capital ratio | 12.6385% | 4,623 |
| Memoranda: |
| Average total assets | $1,198,366,000 | 664 |
| Average earning assets | $1,148,265,000 | 632 |
| Average equity | $101,664,500 | 888 |
| Average total loans | $809,626,250 | 709 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0171% | 4,341 |
| Cost of funding earning assets | 0.8879% | 2,208 |
| Net interest margin | 3.1292% | 4,486 |
| Noninterest income to average assets | 0.4892% | 2,737 |
| Noninterest expense to average assets | 2.2556% | 4,110 |
| Loan and lease loss provision to assets | 0.0632% | 2,555 |
| Net operating income to assets | 0.9724% | 3,017 |
| Return on assets (ROA) | 0.9670% | 3,112 |
| Pretax return on assets | 1.1664% | 3,021 |
| Return on Equity (ROE) | 11.5068% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.4886% | 1,604 |
| Net charge-offs to loans | 0.0112% | 2,729 |
| Credit loss provision to net charge-offs | 833.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 162.9556% | 458 |
| Efficiency ratio | 64.5971% | 3,037 |
| Assets per employee ($millions) | 6.0660% | 1,496 |
| Cash dividends to net income (ytd only)* | 34.9198% | 2,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1209% | 2,954 |
| Loan loss allowance to noncurrent loans | 119.5097% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 2,129 |
| Noncurrent loans to loans | 0.9379% | 1,739 |
| Net loans and leases to total assets | 67.3091% | 2,922 |
| Net loans and leases to deposits | 78.4379% | 3,123 |
| Net loans and leases to core deposits | 81.9211% | 3,268 |
| Total domestic deposits to total assets | 85.8120% | 2,132 |
| Equity capital to assets | 8.7378% | 4,931 |
| Core capital (leverage) ratio | 8.8392% | 4,762 |
| Tier 1 risk-based capital ratio | 11.5178% | 4,675 |
| Total risk-based capital ratio | 12.5278% | 4,690 |
| Memoranda: |
| Average total assets | $1,186,389,670 | 670 |
| Average earning assets | $1,138,371,000 | 639 |
| Average equity | $99,698,000 | 903 |
| Average total loans | $802,523,000 | 714 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9698% | 4,430 |
| Cost of funding earning assets | 0.8680% | 2,170 |
| Net interest margin | 3.1019% | 4,598 |
| Noninterest income to average assets | 0.4668% | 2,753 |
| Noninterest expense to average assets | 2.2628% | 4,116 |
| Loan and lease loss provision to assets | 0.0763% | 2,149 |
| Net operating income to assets | 0.9188% | 3,165 |
| Return on assets (ROA) | 0.9078% | 3,254 |
| Pretax return on assets | 1.0897% | 3,180 |
| Return on Equity (ROE) | 11.0267% | 1,936 |
| Retained earnings to average equity (ytd only) | 6.9762% | 2,055 |
| Net charge-offs to loans | 0.0221% | 2,006 |
| Credit loss provision to net charge-offs | 511.3636% | 598 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 775 |
| Efficiency ratio | 65.7402% | 2,972 |
| Assets per employee ($millions) | 6.1470% | 1,437 |
| Cash dividends to net income (ytd only)* | 36.7339% | 2,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1205% | 3,017 |
| Loan loss allowance to noncurrent loans | 116.9868% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 2,155 |
| Noncurrent loans to loans | 0.9578% | 1,746 |
| Net loans and leases to total assets | 66.7087% | 2,946 |
| Net loans and leases to deposits | 76.8898% | 3,176 |
| Net loans and leases to core deposits | 80.2676% | 3,343 |
| Total domestic deposits to total assets | 86.7588% | 1,927 |
| Equity capital to assets | 8.3579% | 5,061 |
| Core capital (leverage) ratio | 8.7769% | 4,810 |
| Tier 1 risk-based capital ratio | 11.2903% | 4,847 |
| Total risk-based capital ratio | 12.2836% | 4,860 |
| Memoranda: |
| Average total assets | $1,179,050,000 | 677 |
| Average earning assets | $1,130,926,500 | 647 |
| Average equity | $97,073,500 | 911 |
| Average total loans | $794,988,000 | 723 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8442% | 4,400 |
| Cost of funding earning assets | 0.7329% | 1,881 |
| Net interest margin | 3.1113% | 4,633 |
| Noninterest income to average assets | 0.4829% | 2,930 |
| Noninterest expense to average assets | 2.2104% | 4,312 |
| Loan and lease loss provision to assets | 0.0973% | 2,222 |
| Net operating income to assets | 1.0106% | 2,959 |
| Return on assets (ROA) | 1.0108% | 2,941 |
| Pretax return on assets | 1.1669% | 3,031 |
| Return on Equity (ROE) | 13.1104% | 1,302 |
| Retained earnings to average equity (ytd only) | 8.6141% | 1,010 |
| Net charge-offs to loans | 0.0179% | 3,098 |
| Credit loss provision to net charge-offs | 824.8175% | 438 |
| Earnings coverage of net charge-offs (x) | 107.1679% | 708 |
| Efficiency ratio | 63.6215% | 3,245 |
| Assets per employee ($millions) | 6.0082% | 1,515 |
| Cash dividends to net income (ytd only)* | 34.2957% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1247% | 2,954 |
| Loan loss allowance to noncurrent loans | 118.1332% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 2,118 |
| Noncurrent loans to loans | 0.9521% | 1,694 |
| Net loans and leases to total assets | 66.6289% | 3,048 |
| Net loans and leases to deposits | 76.4686% | 3,322 |
| Net loans and leases to core deposits | 80.2252% | 3,412 |
| Total domestic deposits to total assets | 87.1323% | 1,710 |
| Equity capital to assets | 8.1056% | 5,126 |
| Core capital (leverage) ratio | 8.6385% | 4,926 |
| Tier 1 risk-based capital ratio | 11.5098% | 4,725 |
| Total risk-based capital ratio | 12.5188% | 4,745 |
| Memoranda: |
| Average total assets | $1,161,620,200 | 659 |
| Average earning assets | $1,116,857,200 | 633 |
| Average equity | $89,562,800 | 940 |
| Average total loans | $767,119,200 | 728 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8008% | 4,433 |
| Cost of funding earning assets | 0.6933% | 1,879 |
| Net interest margin | 3.1075% | 4,692 |
| Noninterest income to average assets | 0.4788% | 2,989 |
| Noninterest expense to average assets | 2.1752% | 4,375 |
| Loan and lease loss provision to assets | 0.1083% | 1,850 |
| Net operating income to assets | 0.9850% | 3,150 |
| Return on assets (ROA) | 0.9853% | 3,157 |
| Pretax return on assets | 1.1829% | 3,055 |
| Return on Equity (ROE) | 12.9460% | 1,450 |
| Retained earnings to average equity (ytd only) | 8.5461% | 1,398 |
| Net charge-offs to loans | 0.0243% | 2,644 |
| Credit loss provision to net charge-offs | 678.4173% | 541 |
| Earnings coverage of net charge-offs (x) | 80.8411% | 873 |
| Efficiency ratio | 62.7569% | 3,381 |
| Assets per employee ($millions) | 6.1451% | 1,390 |
| Cash dividends to net income (ytd only)* | 33.9863% | 2,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0997% | 3,191 |
| Loan loss allowance to noncurrent loans | 89.7622% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 1,803 |
| Noncurrent loans to loans | 1.2251% | 1,375 |
| Net loans and leases to total assets | 66.2402% | 3,153 |
| Net loans and leases to deposits | 75.8830% | 3,429 |
| Net loans and leases to core deposits | 79.1701% | 3,558 |
| Total domestic deposits to total assets | 87.2925% | 1,599 |
| Equity capital to assets | 7.5463% | 5,300 |
| Core capital (leverage) ratio | 8.4359% | 5,124 |
| Tier 1 risk-based capital ratio | 11.1304% | 4,978 |
| Total risk-based capital ratio | 12.1051% | 5,007 |
| Memoranda: |
| Average total assets | $1,160,629,750 | 658 |
| Average earning assets | $1,115,738,250 | 630 |
| Average equity | $88,334,250 | 946 |
| Average total loans | $762,537,000 | 726 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7670% | 4,429 |
| Cost of funding earning assets | 0.6437% | 1,968 |
| Net interest margin | 3.1234% | 4,680 |
| Noninterest income to average assets | 0.4859% | 2,941 |
| Noninterest expense to average assets | 2.1767% | 4,424 |
| Loan and lease loss provision to assets | 0.0649% | 2,598 |
| Net operating income to assets | 1.0370% | 2,866 |
| Return on assets (ROA) | 1.0375% | 2,866 |
| Pretax return on assets | 1.2497% | 2,726 |
| Return on Equity (ROE) | 13.5924% | 1,185 |
| Retained earnings to average equity (ytd only) | 9.0125% | 1,217 |
| Net charge-offs to loans | 0.0064% | 2,914 |
| Credit loss provision to net charge-offs | 1,562.5000% | 266 |
| Earnings coverage of net charge-offs (x) | 316.5417% | 292 |
| Efficiency ratio | 62.3557% | 3,579 |
| Assets per employee ($millions) | 6.1230% | 1,385 |
| Cash dividends to net income (ytd only)* | 33.6946% | 2,411 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0499% | 3,537 |
| Loan loss allowance to noncurrent loans | 121.2911% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 2,488 |
| Noncurrent loans to loans | 0.8656% | 1,993 |
| Net loans and leases to total assets | 66.3676% | 3,084 |
| Net loans and leases to deposits | 78.3279% | 3,124 |
| Net loans and leases to core deposits | 82.0309% | 3,237 |
| Total domestic deposits to total assets | 84.7305% | 2,780 |
| Equity capital to assets | 7.5888% | 5,351 |
| Core capital (leverage) ratio | 8.4618% | 5,133 |
| Tier 1 risk-based capital ratio | 11.0939% | 5,005 |
| Total risk-based capital ratio | 12.0308% | 5,051 |
| Memoranda: |
| Average total assets | $1,156,268,000 | 665 |
| Average earning assets | $1,112,395,000 | 634 |
| Average equity | $88,255,000 | 947 |
| Average total loans | $754,677,330 | 735 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7671% | 4,307 |
| Cost of funding earning assets | 0.6191% | 1,919 |
| Net interest margin | 3.1481% | 4,603 |
| Noninterest income to average assets | 0.4421% | 3,163 |
| Noninterest expense to average assets | 2.1310% | 4,579 |
| Loan and lease loss provision to assets | 0.0652% | 2,465 |
| Net operating income to assets | 1.0604% | 2,605 |
| Return on assets (ROA) | 1.0601% | 2,618 |
| Pretax return on assets | 1.2770% | 2,443 |
| Return on Equity (ROE) | 13.8486% | 1,050 |
| Retained earnings to average equity (ytd only) | 8.8441% | 1,524 |
| Net charge-offs to loans | -0.0043% | 3,958 |
| Credit loss provision to net charge-offs | -2,350.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3487% | 3,895 |
| Assets per employee ($millions) | 6.3523% | 1,277 |
| Cash dividends to net income (ytd only)* | 36.1375% | 1,968 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0709% | 3,544 |
| Loan loss allowance to noncurrent loans | 113.9515% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 2,489 |
| Noncurrent loans to loans | 0.9398% | 1,946 |
| Net loans and leases to total assets | 63.8654% | 3,327 |
| Net loans and leases to deposits | 73.7723% | 3,433 |
| Net loans and leases to core deposits | 77.7898% | 3,509 |
| Total domestic deposits to total assets | 86.5709% | 2,279 |
| Equity capital to assets | 7.5031% | 5,418 |
| Core capital (leverage) ratio | 8.3006% | 5,259 |
| Tier 1 risk-based capital ratio | 11.0296% | 5,116 |
| Total risk-based capital ratio | 11.9630% | 5,171 |
| Memoranda: |
| Average total assets | $1,152,719,000 | 666 |
| Average earning assets | $1,110,020,000 | 640 |
| Average equity | $88,240,000 | 952 |
| Average total loans | $741,871,000 | 745 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5724% | 4,632 |
| Cost of funding earning assets | 0.5351% | 2,069 |
| Net interest margin | 3.0373% | 4,810 |
| Noninterest income to average assets | 0.4997% | 3,001 |
| Noninterest expense to average assets | 2.1299% | 4,695 |
| Loan and lease loss provision to assets | 0.1266% | 1,806 |
| Net operating income to assets | 0.6753% | 3,706 |
| Return on assets (ROA) | 0.6766% | 3,750 |
| Pretax return on assets | 1.1601% | 2,942 |
| Return on Equity (ROE) | 8.4475% | 2,584 |
| Retained earnings to average equity (ytd only) | 4.6301% | 2,373 |
| Net charge-offs to loans | 0.1390% | 1,677 |
| Credit loss provision to net charge-offs | 146.9045% | 1,814 |
| Earnings coverage of net charge-offs (x) | 14.9087% | 2,287 |
| Efficiency ratio | 62.3789% | 3,883 |
| Assets per employee ($millions) | 6.2117% | 1,375 |
| Cash dividends to net income (ytd only)* | 45.1897% | 2,577 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0693% | 3,503 |
| Loan loss allowance to noncurrent loans | 98.9900% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 2,241 |
| Noncurrent loans to loans | 1.0802% | 1,646 |
| Net loans and leases to total assets | 63.4706% | 3,425 |
| Net loans and leases to deposits | 72.9859% | 3,601 |
| Net loans and leases to core deposits | 76.2800% | 3,716 |
| Total domestic deposits to total assets | 86.9628% | 2,015 |
| Equity capital to assets | 7.8094% | 5,459 |
| Core capital (leverage) ratio | 8.1402% | 5,383 |
| Tier 1 risk-based capital ratio | 10.7541% | 5,270 |
| Total risk-based capital ratio | 11.6680% | 5,311 |
| Memoranda: |
| Average total assets | $1,106,053,000 | 671 |
| Average earning assets | $1,061,437,600 | 639 |
| Average equity | $88,594,600 | 914 |
| Average total loans | $685,433,000 | 764 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5531% | 4,679 |
| Cost of funding earning assets | 0.5205% | 2,106 |
| Net interest margin | 3.0326% | 4,850 |
| Noninterest income to average assets | 0.5127% | 2,956 |
| Noninterest expense to average assets | 2.1397% | 4,653 |
| Loan and lease loss provision to assets | 0.0851% | 2,390 |
| Net operating income to assets | 0.8819% | 3,120 |
| Return on assets (ROA) | 0.8839% | 3,157 |
| Pretax return on assets | 1.1981% | 2,914 |
| Return on Equity (ROE) | 10.9630% | 1,717 |
| Retained earnings to average equity (ytd only) | 7.1755% | 1,597 |
| Net charge-offs to loans | -0.0061% | 4,499 |
| Credit loss provision to net charge-offs | -2,258.0645% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5604% | 3,803 |
| Assets per employee ($millions) | 6.3048% | 1,304 |
| Cash dividends to net income (ytd only)* | 34.5482% | 2,541 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1536% | 3,176 |
| Loan loss allowance to noncurrent loans | 89.4528% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 2,153 |
| Noncurrent loans to loans | 1.2896% | 1,485 |
| Net loans and leases to total assets | 61.0083% | 3,766 |
| Net loans and leases to deposits | 69.2434% | 4,024 |
| Net loans and leases to core deposits | 72.1912% | 4,117 |
| Total domestic deposits to total assets | 88.1071% | 1,308 |
| Equity capital to assets | 8.0228% | 5,509 |
| Core capital (leverage) ratio | 8.3198% | 5,359 |
| Tier 1 risk-based capital ratio | 11.1588% | 5,151 |
| Total risk-based capital ratio | 12.1342% | 5,203 |
| Memoranda: |
| Average total assets | $1,096,826,750 | 680 |
| Average earning assets | $1,051,576,250 | 647 |
| Average equity | $88,428,750 | 918 |
| Average total loans | $673,470,500 | 780 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5187% | 4,723 |
| Cost of funding earning assets | 0.4995% | 2,165 |
| Net interest margin | 3.0193% | 4,865 |
| Noninterest income to average assets | 0.5214% | 2,890 |
| Noninterest expense to average assets | 2.1149% | 4,745 |
| Loan and lease loss provision to assets | 0.1109% | 1,843 |
| Net operating income to assets | 0.8798% | 3,020 |
| Return on assets (ROA) | 0.8809% | 3,074 |
| Pretax return on assets | 1.1909% | 2,801 |
| Return on Equity (ROE) | 10.9078% | 1,679 |
| Retained earnings to average equity (ytd only) | 7.1246% | 1,529 |
| Net charge-offs to loans | -0.0124% | 4,603 |
| Credit loss provision to net charge-offs | -1,463.4146% | 4,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9256% | 3,995 |
| Assets per employee ($millions) | 6.0744% | 1,398 |
| Cash dividends to net income (ytd only)* | 34.6832% | 2,599 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1549% | 3,288 |
| Loan loss allowance to noncurrent loans | 84.9995% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 2,081 |
| Noncurrent loans to loans | 1.3587% | 1,425 |
| Net loans and leases to total assets | 61.8661% | 3,646 |
| Net loans and leases to deposits | 72.2903% | 3,709 |
| Net loans and leases to core deposits | 75.0248% | 3,853 |
| Total domestic deposits to total assets | 85.5800% | 2,582 |
| Equity capital to assets | 8.0842% | 5,500 |
| Core capital (leverage) ratio | 8.4312% | 5,264 |
| Tier 1 risk-based capital ratio | 11.0627% | 5,220 |
| Total risk-based capital ratio | 12.0363% | 5,274 |
| Memoranda: |
| Average total assets | $1,082,048,330 | 692 |
| Average earning assets | $1,037,078,000 | 659 |
| Average equity | $87,387,330 | 934 |
| Average total loans | $663,184,330 | 793 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5517% | 4,548 |
| Cost of funding earning assets | 0.4905% | 2,161 |
| Net interest margin | 3.0612% | 4,763 |
| Noninterest income to average assets | 0.4857% | 3,069 |
| Noninterest expense to average assets | 2.0823% | 4,886 |
| Loan and lease loss provision to assets | 0.1124% | 1,702 |
| Net operating income to assets | 0.9052% | 2,733 |
| Return on assets (ROA) | 0.9119% | 2,752 |
| Pretax return on assets | 1.2376% | 2,453 |
| Return on Equity (ROE) | 11.2968% | 1,466 |
| Retained earnings to average equity (ytd only) | 7.3687% | 1,707 |
| Net charge-offs to loans | -0.0155% | 4,607 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8277% | 4,343 |
| Assets per employee ($millions) | 5.9335% | 1,554 |
| Cash dividends to net income (ytd only)* | 34.7719% | 2,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1696% | 3,308 |
| Loan loss allowance to noncurrent loans | 80.4230% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 1,597 |
| Noncurrent loans to loans | 1.4544% | 1,383 |
| Net loans and leases to total assets | 60.3966% | 3,745 |
| Net loans and leases to deposits | 69.1727% | 3,878 |
| Net loans and leases to core deposits | 72.1007% | 3,977 |
| Total domestic deposits to total assets | 87.3127% | 2,069 |
| Equity capital to assets | 8.0744% | 5,487 |
| Core capital (leverage) ratio | 8.4916% | 5,231 |
| Tier 1 risk-based capital ratio | 11.0363% | 5,286 |
| Total risk-based capital ratio | 11.9836% | 5,361 |
| Memoranda: |
| Average total assets | $1,067,268,500 | 702 |
| Average earning assets | $1,024,188,000 | 674 |
| Average equity | $86,148,500 | 945 |
| Average total loans | $646,905,000 | 815 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3361% | 5,105 |
| Cost of funding earning assets | 0.4775% | 2,277 |
| Net interest margin | 2.8586% | 5,200 |
| Noninterest income to average assets | 0.4983% | 3,247 |
| Noninterest expense to average assets | 2.1366% | 4,921 |
| Loan and lease loss provision to assets | 0.0029% | 4,295 |
| Net operating income to assets | 0.8310% | 3,150 |
| Return on assets (ROA) | 0.8389% | 3,221 |
| Pretax return on assets | 1.1199% | 3,018 |
| Return on Equity (ROE) | 9.9427% | 1,980 |
| Retained earnings to average equity (ytd only) | 6.3837% | 1,507 |
| Net charge-offs to loans | 0.0310% | 3,399 |
| Credit loss provision to net charge-offs | 15.7895% | 3,706 |
| Earnings coverage of net charge-offs (x) | 60.3053% | 885 |
| Efficiency ratio | 65.7623% | 3,635 |
| Assets per employee ($millions) | 5.7947% | 1,625 |
| Cash dividends to net income (ytd only)* | 35.7945% | 3,079 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1665% | 3,328 |
| Loan loss allowance to noncurrent loans | 73.0705% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1758% | 1,547 |
| Noncurrent loans to loans | 1.5964% | 1,235 |
| Net loans and leases to total assets | 59.4019% | 3,919 |
| Net loans and leases to deposits | 68.5904% | 4,042 |
| Net loans and leases to core deposits | 71.2368% | 4,133 |
| Total domestic deposits to total assets | 86.6038% | 2,327 |
| Equity capital to assets | 8.0693% | 5,530 |
| Core capital (leverage) ratio | 8.4497% | 5,317 |
| Tier 1 risk-based capital ratio | 11.1645% | 5,247 |
| Total risk-based capital ratio | 12.0991% | 5,308 |
| Memoranda: |
| Average total assets | $1,030,055,200 | 699 |
| Average earning assets | $991,161,600 | 669 |
| Average equity | $86,908,400 | 916 |
| Average total loans | $613,050,000 | 813 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3310% | 5,166 |
| Cost of funding earning assets | 0.4770% | 2,300 |
| Net interest margin | 2.8540% | 5,258 |
| Noninterest income to average assets | 0.5272% | 3,061 |
| Noninterest expense to average assets | 2.1630% | 4,858 |
| Loan and lease loss provision to assets | 0.0163% | 3,919 |
| Net operating income to assets | 0.8226% | 3,269 |
| Return on assets (ROA) | 0.8331% | 3,352 |
| Pretax return on assets | 1.1089% | 3,192 |
| Return on Equity (ROE) | 9.7647% | 2,163 |
| Retained earnings to average equity (ytd only) | 6.1567% | 2,086 |
| Net charge-offs to loans | 0.0189% | 3,334 |
| Credit loss provision to net charge-offs | 145.3488% | 1,808 |
| Earnings coverage of net charge-offs (x) | 99.2242% | 666 |
| Efficiency ratio | 66.0635% | 3,580 |
| Assets per employee ($millions) | 5.8763% | 1,529 |
| Cash dividends to net income (ytd only)* | 36.9490% | 2,482 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2474% | 2,971 |
| Loan loss allowance to noncurrent loans | 90.5330% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 2,061 |
| Noncurrent loans to loans | 1.3779% | 1,595 |
| Net loans and leases to total assets | 56.5148% | 4,251 |
| Net loans and leases to deposits | 64.8631% | 4,424 |
| Net loans and leases to core deposits | 67.4588% | 4,511 |
| Total domestic deposits to total assets | 87.1294% | 1,835 |
| Equity capital to assets | 8.4430% | 5,562 |
| Core capital (leverage) ratio | 8.3673% | 5,453 |
| Tier 1 risk-based capital ratio | 11.4270% | 5,136 |
| Total risk-based capital ratio | 12.4262% | 5,178 |
| Memoranda: |
| Average total assets | $1,023,910,000 | 704 |
| Average earning assets | $985,500,500 | 675 |
| Average equity | $87,360,000 | 908 |
| Average total loans | $607,845,500 | 817 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3648% | 5,154 |
| Cost of funding earning assets | 0.4777% | 2,290 |
| Net interest margin | 2.8871% | 5,291 |
| Noninterest income to average assets | 0.5335% | 2,989 |
| Noninterest expense to average assets | 2.1819% | 4,884 |
| Loan and lease loss provision to assets | 0.0247% | 3,638 |
| Net operating income to assets | 0.8316% | 3,168 |
| Return on assets (ROA) | 0.8477% | 3,234 |
| Pretax return on assets | 1.1278% | 3,094 |
| Return on Equity (ROE) | 9.8999% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.6161% | 1,802 |
| Net charge-offs to loans | 0.0425% | 2,615 |
| Credit loss provision to net charge-offs | 96.8992% | 2,166 |
| Earnings coverage of net charge-offs (x) | 44.3023% | 1,085 |
| Efficiency ratio | 65.8623% | 3,697 |
| Assets per employee ($millions) | 5.6799% | 1,638 |
| Cash dividends to net income (ytd only)* | 33.1699% | 2,707 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2486% | 3,077 |
| Loan loss allowance to noncurrent loans | 86.2857% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 1,940 |
| Noncurrent loans to loans | 1.4471% | 1,530 |
| Net loans and leases to total assets | 58.4043% | 4,080 |
| Net loans and leases to deposits | 66.8445% | 4,279 |
| Net loans and leases to core deposits | 69.3841% | 4,376 |
| Total domestic deposits to total assets | 87.3733% | 1,726 |
| Equity capital to assets | 8.7422% | 5,448 |
| Core capital (leverage) ratio | 8.6422% | 5,224 |
| Tier 1 risk-based capital ratio | 11.4866% | 5,166 |
| Total risk-based capital ratio | 12.4989% | 5,199 |
| Memoranda: |
| Average total assets | $1,010,678,670 | 713 |
| Average earning assets | $972,956,000 | 685 |
| Average equity | $86,546,670 | 915 |
| Average total loans | $607,565,000 | 814 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4029% | 5,120 |
| Cost of funding earning assets | 0.4793% | 2,283 |
| Net interest margin | 2.9236% | 5,278 |
| Noninterest income to average assets | 0.5223% | 2,972 |
| Noninterest expense to average assets | 2.1846% | 4,939 |
| Loan and lease loss provision to assets | 0.0498% | 2,929 |
| Net operating income to assets | 0.8406% | 3,029 |
| Return on assets (ROA) | 0.8427% | 3,150 |
| Pretax return on assets | 1.1051% | 3,074 |
| Return on Equity (ROE) | 9.9470% | 2,003 |
| Retained earnings to average equity (ytd only) | 7.0433% | 1,866 |
| Net charge-offs to loans | 0.0808% | 1,687 |
| Credit loss provision to net charge-offs | 101.6260% | 1,601 |
| Earnings coverage of net charge-offs (x) | 23.5285% | 1,361 |
| Efficiency ratio | 65.4736% | 3,884 |
| Assets per employee ($millions) | 5.5646% | 1,776 |
| Cash dividends to net income (ytd only)* | 29.1923% | 2,387 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2556% | 3,147 |
| Loan loss allowance to noncurrent loans | 85.4558% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 1,902 |
| Noncurrent loans to loans | 1.4693% | 1,603 |
| Net loans and leases to total assets | 59.6566% | 3,828 |
| Net loans and leases to deposits | 68.6674% | 3,987 |
| Net loans and leases to core deposits | 71.4467% | 4,111 |
| Total domestic deposits to total assets | 86.8777% | 2,262 |
| Equity capital to assets | 8.7503% | 5,381 |
| Core capital (leverage) ratio | 8.5554% | 5,342 |
| Tier 1 risk-based capital ratio | 11.4175% | 5,271 |
| Total risk-based capital ratio | 12.4407% | 5,309 |
| Memoranda: |
| Average total assets | $1,004,829,500 | 717 |
| Average earning assets | $967,294,000 | 691 |
| Average equity | $85,131,000 | 933 |
| Average total loans | $609,016,500 | 815 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3378% | 5,281 |
| Cost of funding earning assets | 0.4745% | 2,403 |
| Net interest margin | 2.8633% | 5,395 |
| Noninterest income to average assets | 0.5444% | 3,049 |
| Noninterest expense to average assets | 2.2470% | 4,930 |
| Loan and lease loss provision to assets | 0.0202% | 3,992 |
| Net operating income to assets | 0.7845% | 3,400 |
| Return on assets (ROA) | 0.7959% | 3,436 |
| Pretax return on assets | 1.0391% | 3,310 |
| Return on Equity (ROE) | 9.6283% | 2,164 |
| Retained earnings to average equity (ytd only) | 5.6831% | 1,963 |
| Net charge-offs to loans | 0.1114% | 2,263 |
| Credit loss provision to net charge-offs | 30.9119% | 3,644 |
| Earnings coverage of net charge-offs (x) | 15.9784% | 2,166 |
| Efficiency ratio | 68.2669% | 3,515 |
| Assets per employee ($millions) | 5.6625% | 1,646 |
| Cash dividends to net income (ytd only)* | 40.9749% | 2,794 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2258% | 3,316 |
| Loan loss allowance to noncurrent loans | 80.0976% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1922% | 1,819 |
| Noncurrent loans to loans | 1.5304% | 1,518 |
| Net loans and leases to total assets | 60.0540% | 3,830 |
| Net loans and leases to deposits | 68.4100% | 4,095 |
| Net loans and leases to core deposits | 71.0345% | 4,210 |
| Total domestic deposits to total assets | 87.7854% | 1,756 |
| Equity capital to assets | 8.1989% | 5,761 |
| Core capital (leverage) ratio | 8.2180% | 5,681 |
| Tier 1 risk-based capital ratio | 10.9705% | 5,533 |
| Total risk-based capital ratio | 11.9710% | 5,577 |
| Memoranda: |
| Average total assets | $989,765,800 | 696 |
| Average earning assets | $949,608,800 | 665 |
| Average equity | $81,821,200 | 928 |
| Average total loans | $580,961,600 | 804 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3309% | 5,359 |
| Cost of funding earning assets | 0.4732% | 2,466 |
| Net interest margin | 2.8577% | 5,481 |
| Noninterest income to average assets | 0.5532% | 3,032 |
| Noninterest expense to average assets | 2.2549% | 4,894 |
| Loan and lease loss provision to assets | 0.0081% | 4,102 |
| Net operating income to assets | 0.7878% | 3,486 |
| Return on assets (ROA) | 0.7993% | 3,527 |
| Pretax return on assets | 1.0448% | 3,432 |
| Return on Equity (ROE) | 9.6487% | 2,242 |
| Retained earnings to average equity (ytd only) | 5.5851% | 2,531 |
| Net charge-offs to loans | 0.0914% | 2,255 |
| Credit loss provision to net charge-offs | 15.3061% | 3,399 |
| Earnings coverage of net charge-offs (x) | 19.5384% | 1,931 |
| Efficiency ratio | 68.4776% | 3,458 |
| Assets per employee ($millions) | 5.8312% | 1,485 |
| Cash dividends to net income (ytd only)* | 42.1160% | 2,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3164% | 3,003 |
| Loan loss allowance to noncurrent loans | 94.2833% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 2,275 |
| Noncurrent loans to loans | 1.3962% | 1,825 |
| Net loans and leases to total assets | 55.7012% | 4,388 |
| Net loans and leases to deposits | 63.2687% | 4,624 |
| Net loans and leases to core deposits | 65.7753% | 4,709 |
| Total domestic deposits to total assets | 88.0391% | 1,529 |
| Equity capital to assets | 8.1196% | 5,918 |
| Core capital (leverage) ratio | 8.3237% | 5,696 |
| Tier 1 risk-based capital ratio | 11.3328% | 5,475 |
| Total risk-based capital ratio | 12.3977% | 5,469 |
| Memoranda: |
| Average total assets | $983,809,250 | 708 |
| Average earning assets | $943,142,750 | 677 |
| Average equity | $81,500,750 | 938 |
| Average total loans | $572,137,750 | 819 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3420% | 5,359 |
| Cost of funding earning assets | 0.4804% | 2,427 |
| Net interest margin | 2.8616% | 5,513 |
| Noninterest income to average assets | 0.5473% | 3,055 |
| Noninterest expense to average assets | 2.2935% | 4,860 |
| Loan and lease loss provision to assets | 0.0124% | 3,872 |
| Net operating income to assets | 0.7540% | 3,627 |
| Return on assets (ROA) | 0.7715% | 3,632 |
| Pretax return on assets | 1.0022% | 3,580 |
| Return on Equity (ROE) | 9.2478% | 2,412 |
| Retained earnings to average equity (ytd only) | 5.5764% | 2,486 |
| Net charge-offs to loans | 0.1428% | 1,644 |
| Credit loss provision to net charge-offs | 14.7783% | 3,069 |
| Earnings coverage of net charge-offs (x) | 11.8202% | 2,255 |
| Efficiency ratio | 69.8100% | 3,358 |
| Assets per employee ($millions) | 5.1800% | 2,060 |
| Cash dividends to net income (ytd only)* | 39.7000% | 2,400 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3227% | 3,123 |
| Loan loss allowance to noncurrent loans | 77.2218% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.3508% | 1,855 |
| Noncurrent loans to loans | 1.7129% | 1,508 |
| Net loans and leases to total assets | 60.2426% | 3,793 |
| Net loans and leases to deposits | 69.1297% | 4,025 |
| Net loans and leases to core deposits | 72.1169% | 4,123 |
| Total domestic deposits to total assets | 87.1443% | 2,084 |
| Equity capital to assets | 8.5703% | 5,622 |
| Core capital (leverage) ratio | 8.4991% | 5,533 |
| Tier 1 risk-based capital ratio | 11.3639% | 5,540 |
| Total risk-based capital ratio | 12.4451% | 5,544 |
| Memoranda: |
| Average total assets | $967,704,000 | 724 |
| Average earning assets | $925,925,670 | 691 |
| Average equity | $80,733,000 | 953 |
| Average total loans | $568,658,670 | 827 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3223% | 5,396 |
| Cost of funding earning assets | 0.4790% | 2,458 |
| Net interest margin | 2.8433% | 5,563 |
| Noninterest income to average assets | 0.5070% | 3,245 |
| Noninterest expense to average assets | 2.2464% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7507% | 3,534 |
| Return on assets (ROA) | 0.7750% | 3,530 |
| Pretax return on assets | 1.0123% | 3,448 |
| Return on Equity (ROE) | 9.4137% | 2,258 |
| Retained earnings to average equity (ytd only) | 5.7307% | 2,643 |
| Net charge-offs to loans | 0.0163% | 2,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 104.2174% | 483 |
| Efficiency ratio | 69.6082% | 3,558 |
| Assets per employee ($millions) | 5.3548% | 1,941 |
| Cash dividends to net income (ytd only)* | 39.1235% | 2,067 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3958% | 2,938 |
| Loan loss allowance to noncurrent loans | 101.6694% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 2,395 |
| Noncurrent loans to loans | 1.3728% | 2,093 |
| Net loans and leases to total assets | 57.2035% | 4,063 |
| Net loans and leases to deposits | 65.1980% | 4,249 |
| Net loans and leases to core deposits | 67.7516% | 4,353 |
| Total domestic deposits to total assets | 87.7381% | 1,964 |
| Equity capital to assets | 8.3069% | 5,865 |
| Core capital (leverage) ratio | 8.2944% | 5,732 |
| Tier 1 risk-based capital ratio | 11.3966% | 5,608 |
| Total risk-based capital ratio | 12.5418% | 5,574 |
| Memoranda: |
| Average total assets | $977,583,000 | 712 |
| Average earning assets | $935,251,000 | 682 |
| Average equity | $80,478,500 | 951 |
| Average total loans | $563,627,000 | 829 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4040% | 5,522 |
| Cost of funding earning assets | 0.5067% | 2,602 |
| Net interest margin | 2.8973% | 5,651 |
| Noninterest income to average assets | 0.6970% | 2,318 |
| Noninterest expense to average assets | 2.2734% | 5,179 |
| Loan and lease loss provision to assets | 0.0424% | 3,721 |
| Net operating income to assets | 0.8859% | 2,944 |
| Return on assets (ROA) | 0.8914% | 3,002 |
| Pretax return on assets | 1.1405% | 2,920 |
| Return on Equity (ROE) | 11.2877% | 1,623 |
| Retained earnings to average equity (ytd only) | 7.3647% | 1,246 |
| Net charge-offs to loans | 0.2509% | 1,707 |
| Credit loss provision to net charge-offs | 30.2115% | 3,833 |
| Earnings coverage of net charge-offs (x) | 8.3844% | 2,884 |
| Efficiency ratio | 65.9102% | 4,266 |
| Assets per employee ($millions) | 5.3585% | 1,899 |
| Cash dividends to net income (ytd only)* | 34.7552% | 3,138 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4399% | 2,743 |
| Loan loss allowance to noncurrent loans | 74.2897% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6738% | 1,611 |
| Noncurrent loans to loans | 1.9382% | 1,447 |
| Net loans and leases to total assets | 56.4665% | 4,263 |
| Net loans and leases to deposits | 64.3103% | 4,493 |
| Net loans and leases to core deposits | 66.9534% | 4,598 |
| Total domestic deposits to total assets | 87.8032% | 1,869 |
| Equity capital to assets | 8.1567% | 5,983 |
| Core capital (leverage) ratio | 8.0356% | 5,981 |
| Tier 1 risk-based capital ratio | 11.9224% | 5,415 |
| Total risk-based capital ratio | 13.1415% | 5,340 |
| Memoranda: |
| Average total assets | $944,109,000 | 709 |
| Average earning assets | $896,838,200 | 684 |
| Average equity | $74,558,800 | 981 |
| Average total loans | $527,652,800 | 838 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4110% | 5,575 |
| Cost of funding earning assets | 0.5067% | 2,690 |
| Net interest margin | 2.9043% | 5,691 |
| Noninterest income to average assets | 0.5662% | 3,092 |
| Noninterest expense to average assets | 2.2579% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8355% | 3,254 |
| Return on assets (ROA) | 0.8402% | 3,320 |
| Pretax return on assets | 1.0690% | 3,303 |
| Return on Equity (ROE) | 10.7306% | 1,897 |
| Retained earnings to average equity (ytd only) | 6.7373% | 1,962 |
| Net charge-offs to loans | 0.1431% | 2,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.3740% | 2,233 |
| Efficiency ratio | 67.9897% | 3,858 |
| Assets per employee ($millions) | 5.4882% | 1,738 |
| Cash dividends to net income (ytd only)* | 37.2145% | 2,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5585% | 2,466 |
| Loan loss allowance to noncurrent loans | 79.2310% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.6243% | 1,862 |
| Noncurrent loans to loans | 1.9670% | 1,620 |
| Net loans and leases to total assets | 53.4927% | 4,637 |
| Net loans and leases to deposits | 60.0305% | 4,937 |
| Net loans and leases to core deposits | 62.4097% | 5,007 |
| Total domestic deposits to total assets | 89.1092% | 1,176 |
| Equity capital to assets | 7.7268% | 6,235 |
| Core capital (leverage) ratio | 8.0941% | 6,009 |
| Tier 1 risk-based capital ratio | 11.9131% | 5,545 |
| Total risk-based capital ratio | 13.1636% | 5,466 |
| Memoranda: |
| Average total assets | $937,664,500 | 716 |
| Average earning assets | $889,379,500 | 693 |
| Average equity | $73,420,750 | 997 |
| Average total loans | $520,650,500 | 854 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4518% | 5,516 |
| Cost of funding earning assets | 0.5104% | 2,728 |
| Net interest margin | 2.9414% | 5,655 |
| Noninterest income to average assets | 0.5690% | 2,995 |
| Noninterest expense to average assets | 2.2664% | 5,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8550% | 3,047 |
| Return on assets (ROA) | 0.8624% | 3,096 |
| Pretax return on assets | 1.0967% | 3,116 |
| Return on Equity (ROE) | 10.9620% | 1,754 |
| Retained earnings to average equity (ytd only) | 6.7356% | 1,907 |
| Net charge-offs to loans | 0.0097% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 200.2800% | 326 |
| Efficiency ratio | 67.5775% | 4,090 |
| Assets per employee ($millions) | 5.0220% | 2,190 |
| Cash dividends to net income (ytd only)* | 38.5545% | 2,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7043% | 2,120 |
| Loan loss allowance to noncurrent loans | 70.3168% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.9665% | 1,632 |
| Noncurrent loans to loans | 2.4237% | 1,293 |
| Net loans and leases to total assets | 56.4712% | 4,206 |
| Net loans and leases to deposits | 64.4341% | 4,451 |
| Net loans and leases to core deposits | 67.1492% | 4,537 |
| Total domestic deposits to total assets | 87.6419% | 2,119 |
| Equity capital to assets | 8.3335% | 5,928 |
| Core capital (leverage) ratio | 8.3264% | 5,819 |
| Tier 1 risk-based capital ratio | 12.0500% | 5,513 |
| Total risk-based capital ratio | 13.3020% | 5,447 |
| Memoranda: |
| Average total assets | $920,924,670 | 727 |
| Average earning assets | $871,892,330 | 701 |
| Average equity | $72,450,330 | 1,002 |
| Average total loans | $515,263,330 | 858 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4141% | 5,616 |
| Cost of funding earning assets | 0.5166% | 2,750 |
| Net interest margin | 2.8975% | 5,758 |
| Noninterest income to average assets | 0.5416% | 3,104 |
| Noninterest expense to average assets | 2.2333% | 5,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8310% | 2,997 |
| Return on assets (ROA) | 0.8420% | 3,016 |
| Pretax return on assets | 1.0668% | 3,052 |
| Return on Equity (ROE) | 11.0226% | 1,675 |
| Retained earnings to average equity (ytd only) | 6.6045% | 2,229 |
| Net charge-offs to loans | 0.0828% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 23.0189% | 1,227 |
| Efficiency ratio | 67.9580% | 4,193 |
| Assets per employee ($millions) | 5.2096% | 2,003 |
| Cash dividends to net income (ytd only)* | 40.0820% | 1,991 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6899% | 2,388 |
| Loan loss allowance to noncurrent loans | 68.7695% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.9289% | 1,785 |
| Noncurrent loans to loans | 2.4574% | 1,419 |
| Net loans and leases to total assets | 55.3253% | 4,233 |
| Net loans and leases to deposits | 63.0085% | 4,430 |
| Net loans and leases to core deposits | 65.5605% | 4,541 |
| Total domestic deposits to total assets | 87.8060% | 2,338 |
| Equity capital to assets | 7.8059% | 6,171 |
| Core capital (leverage) ratio | 8.0794% | 6,060 |
| Tier 1 risk-based capital ratio | 11.9815% | 5,659 |
| Total risk-based capital ratio | 13.2335% | 5,586 |
| Memoranda: |
| Average total assets | $926,892,000 | 732 |
| Average earning assets | $877,996,000 | 701 |
| Average equity | $70,800,000 | 1,023 |
| Average total loans | $511,786,000 | 860 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4913% | 5,662 |
| Cost of funding earning assets | 0.5764% | 2,872 |
| Net interest margin | 2.9149% | 5,761 |
| Noninterest income to average assets | 0.5589% | 3,344 |
| Noninterest expense to average assets | 2.1854% | 5,665 |
| Loan and lease loss provision to assets | 0.0435% | 4,252 |
| Net operating income to assets | 0.8644% | 2,949 |
| Return on assets (ROA) | 0.8811% | 2,961 |
| Pretax return on assets | 1.1199% | 2,887 |
| Return on Equity (ROE) | 11.3934% | 1,639 |
| Retained earnings to average equity (ytd only) | 6.4535% | 1,713 |
| Net charge-offs to loans | 0.2558% | 2,436 |
| Credit loss provision to net charge-offs | 32.0770% | 4,210 |
| Earnings coverage of net charge-offs (x) | 8.4202% | 2,676 |
| Efficiency ratio | 65.6751% | 4,621 |
| Assets per employee ($millions) | 5.1471% | 2,020 |
| Cash dividends to net income (ytd only)* | 43.3580% | 2,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7789% | 2,128 |
| Loan loss allowance to noncurrent loans | 66.3371% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 1,813 |
| Noncurrent loans to loans | 2.6816% | 1,372 |
| Net loans and leases to total assets | 53.1899% | 4,697 |
| Net loans and leases to deposits | 60.4999% | 4,896 |
| Net loans and leases to core deposits | 62.8948% | 4,981 |
| Total domestic deposits to total assets | 87.9174% | 2,220 |
| Equity capital to assets | 7.4708% | 6,299 |
| Core capital (leverage) ratio | 7.8831% | 6,205 |
| Tier 1 risk-based capital ratio | 11.8767% | 5,692 |
| Total risk-based capital ratio | 13.1291% | 5,630 |
| Memoranda: |
| Average total assets | $919,272,600 | 719 |
| Average earning assets | $873,176,000 | 688 |
| Average equity | $71,093,600 | 1,000 |
| Average total loans | $487,487,200 | 871 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5038% | 5,680 |
| Cost of funding earning assets | 0.5899% | 2,900 |
| Net interest margin | 2.9139% | 5,781 |
| Noninterest income to average assets | 0.5575% | 3,409 |
| Noninterest expense to average assets | 2.1871% | 5,634 |
| Loan and lease loss provision to assets | 0.0363% | 4,289 |
| Net operating income to assets | 0.8668% | 3,007 |
| Return on assets (ROA) | 0.8887% | 3,008 |
| Pretax return on assets | 1.1306% | 2,980 |
| Return on Equity (ROE) | 11.3929% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.4822% | 1,650 |
| Net charge-offs to loans | 0.2830% | 2,127 |
| Credit loss provision to net charge-offs | 24.3427% | 3,993 |
| Earnings coverage of net charge-offs (x) | 7.6339% | 2,765 |
| Efficiency ratio | 65.7492% | 4,531 |
| Assets per employee ($millions) | 5.1886% | 1,948 |
| Cash dividends to net income (ytd only)* | 34.3255% | 2,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8435% | 2,163 |
| Loan loss allowance to noncurrent loans | 58.6796% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.0497% | 1,970 |
| Noncurrent loans to loans | 3.1417% | 1,256 |
| Net loans and leases to total assets | 51.2799% | 4,969 |
| Net loans and leases to deposits | 57.8448% | 5,209 |
| Net loans and leases to core deposits | 60.1641% | 5,283 |
| Total domestic deposits to total assets | 88.6509% | 1,751 |
| Equity capital to assets | 7.5440% | 6,377 |
| Core capital (leverage) ratio | 7.7728% | 6,339 |
| Tier 1 risk-based capital ratio | 11.8762% | 5,859 |
| Total risk-based capital ratio | 13.1289% | 5,800 |
| Memoranda: |
| Average total assets | $917,472,250 | 722 |
| Average earning assets | $871,838,250 | 689 |
| Average equity | $71,563,250 | 1,003 |
| Average total loans | $483,930,000 | 880 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5182% | 5,656 |
| Cost of funding earning assets | 0.6066% | 2,880 |
| Net interest margin | 2.9116% | 5,778 |
| Noninterest income to average assets | 0.5619% | 3,427 |
| Noninterest expense to average assets | 2.1832% | 5,673 |
| Loan and lease loss provision to assets | 0.0219% | 4,461 |
| Net operating income to assets | 0.8822% | 2,885 |
| Return on assets (ROA) | 0.9145% | 2,862 |
| Pretax return on assets | 1.1676% | 2,814 |
| Return on Equity (ROE) | 11.5943% | 1,602 |
| Retained earnings to average equity (ytd only) | 7.7295% | 1,584 |
| Net charge-offs to loans | 0.1828% | 2,664 |
| Credit loss provision to net charge-offs | 22.6757% | 3,691 |
| Earnings coverage of net charge-offs (x) | 11.8707% | 2,025 |
| Efficiency ratio | 65.5365% | 4,626 |
| Assets per employee ($millions) | 4.9783% | 2,135 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9226% | 2,045 |
| Loan loss allowance to noncurrent loans | 53.1534% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.3061% | 1,878 |
| Noncurrent loans to loans | 3.6170% | 1,141 |
| Net loans and leases to total assets | 53.1000% | 4,722 |
| Net loans and leases to deposits | 60.4478% | 4,922 |
| Net loans and leases to core deposits | 63.1502% | 4,983 |
| Total domestic deposits to total assets | 87.8444% | 2,357 |
| Equity capital to assets | 7.6393% | 6,395 |
| Core capital (leverage) ratio | 7.8957% | 6,252 |
| Tier 1 risk-based capital ratio | 11.9362% | 5,829 |
| Total risk-based capital ratio | 13.1901% | 5,776 |
| Memoranda: |
| Average total assets | $911,981,000 | 728 |
| Average earning assets | $867,441,670 | 690 |
| Average equity | $71,932,000 | 1,002 |
| Average total loans | $482,599,330 | 873 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5190% | 5,661 |
| Cost of funding earning assets | 0.6170% | 2,953 |
| Net interest margin | 2.9020% | 5,809 |
| Noninterest income to average assets | 0.6077% | 3,093 |
| Noninterest expense to average assets | 2.1496% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9430% | 2,460 |
| Return on assets (ROA) | 0.9972% | 2,352 |
| Pretax return on assets | 1.2901% | 2,261 |
| Return on Equity (ROE) | 12.4492% | 1,309 |
| Retained earnings to average equity (ytd only) | 8.6779% | 1,499 |
| Net charge-offs to loans | 0.3518% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.6271% | 2,191 |
| Efficiency ratio | 63.7991% | 5,038 |
| Assets per employee ($millions) | 5.1946% | 1,986 |
| Cash dividends to net income (ytd only)* | 30.2937% | 2,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9567% | 2,153 |
| Loan loss allowance to noncurrent loans | 52.6283% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 2.2880% | 2,036 |
| Noncurrent loans to loans | 3.7179% | 1,264 |
| Net loans and leases to total assets | 51.2504% | 4,802 |
| Net loans and leases to deposits | 58.5830% | 4,961 |
| Net loans and leases to core deposits | 61.2499% | 5,021 |
| Total domestic deposits to total assets | 87.4834% | 2,640 |
| Equity capital to assets | 8.0479% | 6,353 |
| Core capital (leverage) ratio | 7.8056% | 6,281 |
| Tier 1 risk-based capital ratio | 11.9694% | 5,935 |
| Total risk-based capital ratio | 13.2236% | 5,897 |
| Memoranda: |
| Average total assets | $914,947,000 | 730 |
| Average earning assets | $870,705,000 | 696 |
| Average equity | $73,290,000 | 994 |
| Average total loans | $478,627,500 | 885 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8922% | 5,592 |
| Cost of funding earning assets | 0.7551% | 3,049 |
| Net interest margin | 3.1370% | 5,727 |
| Noninterest income to average assets | 0.5566% | 3,530 |
| Noninterest expense to average assets | 2.1750% | 5,979 |
| Loan and lease loss provision to assets | 0.1006% | 4,384 |
| Net operating income to assets | 0.9951% | 2,357 |
| Return on assets (ROA) | 1.0061% | 2,528 |
| Pretax return on assets | 1.2880% | 2,460 |
| Return on Equity (ROE) | 12.8539% | 1,270 |
| Retained earnings to average equity (ytd only) | 9.2754% | 749 |
| Net charge-offs to loans | 0.0762% | 4,916 |
| Credit loss provision to net charge-offs | 243.9024% | 1,010 |
| Earnings coverage of net charge-offs (x) | 33.3388% | 932 |
| Efficiency ratio | 61.2767% | 5,346 |
| Assets per employee ($millions) | 5.2928% | 1,911 |
| Cash dividends to net income (ytd only)* | 27.8401% | 3,469 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0386% | 1,921 |
| Loan loss allowance to noncurrent loans | 52.6168% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.3683% | 2,073 |
| Noncurrent loans to loans | 3.8744% | 1,249 |
| Net loans and leases to total assets | 51.2836% | 4,999 |
| Net loans and leases to deposits | 58.5772% | 5,173 |
| Net loans and leases to core deposits | 61.2177% | 5,245 |
| Total domestic deposits to total assets | 87.5488% | 2,503 |
| Equity capital to assets | 7.9727% | 6,421 |
| Core capital (leverage) ratio | 7.5138% | 6,499 |
| Tier 1 risk-based capital ratio | 11.6606% | 5,987 |
| Total risk-based capital ratio | 12.9156% | 5,945 |
| Memoranda: |
| Average total assets | $895,027,600 | 733 |
| Average earning assets | $853,897,400 | 700 |
| Average equity | $70,056,400 | 1,003 |
| Average total loans | $484,105,000 | 850 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9589% | 5,637 |
| Cost of funding earning assets | 0.7884% | 3,040 |
| Net interest margin | 3.1705% | 5,770 |
| Noninterest income to average assets | 0.5452% | 3,640 |
| Noninterest expense to average assets | 2.1703% | 6,019 |
| Loan and lease loss provision to assets | 0.0899% | 4,482 |
| Net operating income to assets | 1.0223% | 2,402 |
| Return on assets (ROA) | 1.0301% | 2,581 |
| Pretax return on assets | 1.3251% | 2,511 |
| Return on Equity (ROE) | 13.2234% | 1,285 |
| Retained earnings to average equity (ytd only) | 9.4804% | 1,071 |
| Net charge-offs to loans | 0.0341% | 5,166 |
| Credit loss provision to net charge-offs | 483.8710% | 556 |
| Earnings coverage of net charge-offs (x) | 75.6206% | 540 |
| Efficiency ratio | 60.7032% | 5,375 |
| Assets per employee ($millions) | 5.5679% | 1,570 |
| Cash dividends to net income (ytd only)* | 28.3054% | 2,715 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0314% | 2,076 |
| Loan loss allowance to noncurrent loans | 52.2925% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.3331% | 2,276 |
| Noncurrent loans to loans | 3.8847% | 1,333 |
| Net loans and leases to total assets | 50.3975% | 5,266 |
| Net loans and leases to deposits | 57.3446% | 5,501 |
| Net loans and leases to core deposits | 60.1696% | 5,540 |
| Total domestic deposits to total assets | 87.8853% | 2,110 |
| Equity capital to assets | 7.7970% | 6,678 |
| Core capital (leverage) ratio | 7.3615% | 6,690 |
| Tier 1 risk-based capital ratio | 11.4891% | 6,231 |
| Total risk-based capital ratio | 12.7441% | 6,199 |
| Memoranda: |
| Average total assets | $889,872,750 | 741 |
| Average earning assets | $850,456,250 | 710 |
| Average equity | $69,320,000 | 1,019 |
| Average total loans | $485,294,000 | 856 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0614% | 5,452 |
| Cost of funding earning assets | 0.8301% | 2,948 |
| Net interest margin | 3.2313% | 5,641 |
| Noninterest income to average assets | 0.5595% | 3,527 |
| Noninterest expense to average assets | 2.1865% | 6,045 |
| Loan and lease loss provision to assets | 0.0685% | 4,771 |
| Net operating income to assets | 1.0730% | 2,157 |
| Return on assets (ROA) | 1.0911% | 2,299 |
| Pretax return on assets | 1.4144% | 2,148 |
| Return on Equity (ROE) | 14.0111% | 1,119 |
| Retained earnings to average equity (ytd only) | 10.1934% | 923 |
| Net charge-offs to loans | 0.0304% | 4,953 |
| Credit loss provision to net charge-offs | 405.4054% | 724 |
| Earnings coverage of net charge-offs (x) | 86.4324% | 474 |
| Efficiency ratio | 59.9725% | 5,580 |
| Assets per employee ($millions) | 5.1516% | 1,967 |
| Cash dividends to net income (ytd only)* | 27.2480% | 2,725 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9248% | 2,462 |
| Loan loss allowance to noncurrent loans | 56.5565% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2464% | 2,488 |
| Noncurrent loans to loans | 3.4033% | 1,701 |
| Net loans and leases to total assets | 54.4403% | 4,719 |
| Net loans and leases to deposits | 61.7645% | 5,028 |
| Net loans and leases to core deposits | 65.0163% | 5,107 |
| Total domestic deposits to total assets | 88.1418% | 2,045 |
| Equity capital to assets | 7.9258% | 6,617 |
| Core capital (leverage) ratio | 7.5728% | 6,583 |
| Tier 1 risk-based capital ratio | 11.2800% | 6,348 |
| Total risk-based capital ratio | 12.5346% | 6,327 |
| Memoranda: |
| Average total assets | $876,548,330 | 759 |
| Average earning assets | $837,243,000 | 720 |
| Average equity | $68,260,000 | 1,027 |
| Average total loans | $487,613,330 | 845 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1330% | 5,344 |
| Cost of funding earning assets | 0.8772% | 2,852 |
| Net interest margin | 3.2558% | 5,620 |
| Noninterest income to average assets | 0.5699% | 3,424 |
| Noninterest expense to average assets | 2.2125% | 6,009 |
| Loan and lease loss provision to assets | 0.1376% | 3,631 |
| Net operating income to assets | 1.0363% | 2,340 |
| Return on assets (ROA) | 1.0374% | 2,527 |
| Pretax return on assets | 1.3324% | 2,414 |
| Return on Equity (ROE) | 13.4432% | 1,299 |
| Retained earnings to average equity (ytd only) | 9.4239% | 1,433 |
| Net charge-offs to loans | 0.0700% | 3,790 |
| Credit loss provision to net charge-offs | 352.9412% | 867 |
| Earnings coverage of net charge-offs (x) | 37.6588% | 784 |
| Efficiency ratio | 60.1022% | 5,598 |
| Assets per employee ($millions) | 5.2937% | 1,890 |
| Cash dividends to net income (ytd only)* | 29.8983% | 2,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9695% | 2,452 |
| Loan loss allowance to noncurrent loans | 54.8651% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.3404% | 2,545 |
| Noncurrent loans to loans | 3.5897% | 1,732 |
| Net loans and leases to total assets | 53.5599% | 4,796 |
| Net loans and leases to deposits | 61.5430% | 4,980 |
| Net loans and leases to core deposits | 64.8379% | 5,030 |
| Total domestic deposits to total assets | 87.0284% | 2,943 |
| Equity capital to assets | 7.7375% | 6,670 |
| Core capital (leverage) ratio | 7.4052% | 6,685 |
| Tier 1 risk-based capital ratio | 11.1582% | 6,468 |
| Total risk-based capital ratio | 12.4131% | 6,447 |
| Memoranda: |
| Average total assets | $871,782,500 | 762 |
| Average earning assets | $833,102,000 | 721 |
| Average equity | $67,275,500 | 1,040 |
| Average total loans | $485,494,000 | 849 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5051% | 5,057 |
| Cost of funding earning assets | 1.0089% | 3,306 |
| Net interest margin | 3.4961% | 5,163 |
| Noninterest income to average assets | 0.5276% | 3,666 |
| Noninterest expense to average assets | 2.1650% | 6,343 |
| Loan and lease loss provision to assets | 0.3220% | 3,106 |
| Net operating income to assets | 1.0803% | 1,892 |
| Return on assets (ROA) | 1.0716% | 2,054 |
| Pretax return on assets | 1.3734% | 1,865 |
| Return on Equity (ROE) | 14.5287% | 824 |
| Retained earnings to average equity (ytd only) | 10.3645% | 499 |
| Net charge-offs to loans | 0.5026% | 2,982 |
| Credit loss provision to net charge-offs | 111.8476% | 2,963 |
| Earnings coverage of net charge-offs (x) | 5.9275% | 2,641 |
| Efficiency ratio | 55.9181% | 6,321 |
| Assets per employee ($millions) | 5.1172% | 2,038 |
| Cash dividends to net income (ytd only)* | 28.6621% | 3,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8826% | 2,623 |
| Loan loss allowance to noncurrent loans | 48.6958% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.5129% | 2,420 |
| Noncurrent loans to loans | 3.8660% | 1,626 |
| Net loans and leases to total assets | 55.6921% | 4,764 |
| Net loans and leases to deposits | 64.1564% | 4,989 |
| Net loans and leases to core deposits | 67.4486% | 5,098 |
| Total domestic deposits to total assets | 86.8068% | 2,874 |
| Equity capital to assets | 7.6962% | 6,728 |
| Core capital (leverage) ratio | 7.1843% | 6,797 |
| Tier 1 risk-based capital ratio | 10.8097% | 6,551 |
| Total risk-based capital ratio | 12.0641% | 6,537 |
| Memoranda: |
| Average total assets | $838,401,400 | 779 |
| Average earning assets | $801,943,000 | 734 |
| Average equity | $61,836,200 | 1,091 |
| Average total loans | $480,264,200 | 871 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5768% | 4,965 |
| Cost of funding earning assets | 1.0359% | 3,421 |
| Net interest margin | 3.5409% | 5,017 |
| Noninterest income to average assets | 0.5173% | 3,745 |
| Noninterest expense to average assets | 2.1481% | 6,403 |
| Loan and lease loss provision to assets | 0.2805% | 3,278 |
| Net operating income to assets | 1.1378% | 1,850 |
| Return on assets (ROA) | 1.1299% | 1,999 |
| Pretax return on assets | 1.4644% | 1,751 |
| Return on Equity (ROE) | 15.4946% | 748 |
| Retained earnings to average equity (ytd only) | 11.1775% | 599 |
| Net charge-offs to loans | 0.5131% | 2,708 |
| Credit loss provision to net charge-offs | 95.2122% | 3,600 |
| Earnings coverage of net charge-offs (x) | 5.9576% | 2,657 |
| Efficiency ratio | 55.0326% | 6,384 |
| Assets per employee ($millions) | 5.1871% | 1,946 |
| Cash dividends to net income (ytd only)* | 27.8621% | 2,580 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8747% | 2,705 |
| Loan loss allowance to noncurrent loans | 45.9287% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 2.5301% | 2,544 |
| Noncurrent loans to loans | 4.0818% | 1,627 |
| Net loans and leases to total assets | 53.2587% | 5,283 |
| Net loans and leases to deposits | 61.2979% | 5,477 |
| Net loans and leases to core deposits | 64.9704% | 5,527 |
| Total domestic deposits to total assets | 86.8851% | 2,723 |
| Equity capital to assets | 7.5098% | 6,926 |
| Core capital (leverage) ratio | 7.1195% | 6,921 |
| Tier 1 risk-based capital ratio | 10.8387% | 6,640 |
| Total risk-based capital ratio | 12.0928% | 6,615 |
| Memoranda: |
| Average total assets | $831,799,750 | 792 |
| Average earning assets | $795,419,750 | 750 |
| Average equity | $60,656,000 | 1,116 |
| Average total loans | $477,612,500 | 890 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6629% | 4,688 |
| Cost of funding earning assets | 1.0673% | 3,494 |
| Net interest margin | 3.5956% | 4,739 |
| Noninterest income to average assets | 0.5104% | 3,776 |
| Noninterest expense to average assets | 2.1774% | 6,435 |
| Loan and lease loss provision to assets | 0.2688% | 3,246 |
| Net operating income to assets | 1.1591% | 1,693 |
| Return on assets (ROA) | 1.1346% | 1,846 |
| Pretax return on assets | 1.4689% | 1,618 |
| Return on Equity (ROE) | 15.7262% | 698 |
| Retained earnings to average equity (ytd only) | 11.2630% | 624 |
| Net charge-offs to loans | 0.5030% | 2,593 |
| Credit loss provision to net charge-offs | 91.2863% | 3,420 |
| Earnings coverage of net charge-offs (x) | 6.0100% | 2,490 |
| Efficiency ratio | 55.1690% | 6,491 |
| Assets per employee ($millions) | 4.8831% | 2,278 |
| Cash dividends to net income (ytd only)* | 28.3807% | 2,538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8571% | 2,809 |
| Loan loss allowance to noncurrent loans | 93.5024% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3685% | 4,169 |
| Noncurrent loans to loans | 1.9861% | 3,505 |
| Net loans and leases to total assets | 56.0121% | 4,996 |
| Net loans and leases to deposits | 64.9875% | 5,156 |
| Net loans and leases to core deposits | 68.9443% | 5,194 |
| Total domestic deposits to total assets | 86.1890% | 3,222 |
| Equity capital to assets | 7.4007% | 6,995 |
| Core capital (leverage) ratio | 7.1868% | 6,928 |
| Tier 1 risk-based capital ratio | 10.4160% | 6,817 |
| Total risk-based capital ratio | 11.6698% | 6,813 |
| Memoranda: |
| Average total assets | $818,590,670 | 817 |
| Average earning assets | $782,352,000 | 769 |
| Average equity | $59,060,670 | 1,135 |
| Average total loans | $479,157,330 | 905 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6862% | 4,583 |
| Cost of funding earning assets | 1.1040% | 3,490 |
| Net interest margin | 3.5822% | 4,655 |
| Noninterest income to average assets | 0.5173% | 3,745 |
| Noninterest expense to average assets | 2.1664% | 6,499 |
| Loan and lease loss provision to assets | 0.3208% | 2,622 |
| Net operating income to assets | 1.1401% | 1,702 |
| Return on assets (ROA) | 1.0750% | 1,980 |
| Pretax return on assets | 1.3707% | 1,811 |
| Return on Equity (ROE) | 15.1006% | 805 |
| Retained earnings to average equity (ytd only) | 10.3929% | 1,025 |
| Net charge-offs to loans | 0.3438% | 2,687 |
| Credit loss provision to net charge-offs | 157.3850% | 1,828 |
| Earnings coverage of net charge-offs (x) | 8.7070% | 1,798 |
| Efficiency ratio | 54.9656% | 6,605 |
| Assets per employee ($millions) | 4.9423% | 2,243 |
| Cash dividends to net income (ytd only)* | 31.1754% | 1,962 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9210% | 2,620 |
| Loan loss allowance to noncurrent loans | 86.5129% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5125% | 3,983 |
| Noncurrent loans to loans | 2.2204% | 3,294 |
| Net loans and leases to total assets | 57.5506% | 4,714 |
| Net loans and leases to deposits | 66.3434% | 4,922 |
| Net loans and leases to core deposits | 69.9915% | 5,041 |
| Total domestic deposits to total assets | 86.7466% | 3,093 |
| Equity capital to assets | 7.1628% | 7,032 |
| Core capital (leverage) ratio | 7.1439% | 6,942 |
| Tier 1 risk-based capital ratio | 10.1832% | 6,933 |
| Total risk-based capital ratio | 11.4379% | 6,933 |
| Memoranda: |
| Average total assets | $810,384,500 | 834 |
| Average earning assets | $774,611,000 | 784 |
| Average equity | $57,693,000 | 1,147 |
| Average total loans | $480,459,500 | 912 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8622% | 5,189 |
| Cost of funding earning assets | 1.3832% | 3,372 |
| Net interest margin | 3.4790% | 5,327 |
| Noninterest income to average assets | 0.5768% | 3,611 |
| Noninterest expense to average assets | 2.2191% | 6,571 |
| Loan and lease loss provision to assets | 0.4883% | 3,219 |
| Net operating income to assets | 0.9487% | 2,208 |
| Return on assets (ROA) | 0.9225% | 2,430 |
| Pretax return on assets | 1.1558% | 2,375 |
| Return on Equity (ROE) | 12.8149% | 1,142 |
| Retained earnings to average equity (ytd only) | 8.2595% | 901 |
| Net charge-offs to loans | 0.2267% | 4,927 |
| Credit loss provision to net charge-offs | 357.8154% | 717 |
| Earnings coverage of net charge-offs (x) | 12.2881% | 1,521 |
| Efficiency ratio | 56.9591% | 6,465 |
| Assets per employee ($millions) | 4.9709% | 2,196 |
| Cash dividends to net income (ytd only)* | 35.5481% | 2,792 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8563% | 2,675 |
| Loan loss allowance to noncurrent loans | 120.1852% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 4,722 |
| Noncurrent loans to loans | 1.5445% | 4,179 |
| Net loans and leases to total assets | 58.7936% | 4,897 |
| Net loans and leases to deposits | 68.1254% | 5,086 |
| Net loans and leases to core deposits | 72.0502% | 5,205 |
| Total domestic deposits to total assets | 86.3021% | 3,198 |
| Equity capital to assets | 7.0750% | 7,089 |
| Core capital (leverage) ratio | 6.9924% | 7,034 |
| Tier 1 risk-based capital ratio | 9.9295% | 7,010 |
| Total risk-based capital ratio | 11.1837% | 6,998 |
| Memoranda: |
| Average total assets | $778,237,000 | 870 |
| Average earning assets | $742,482,000 | 827 |
| Average equity | $56,020,600 | 1,183 |
| Average total loans | $468,509,000 | 962 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8809% | 5,357 |
| Cost of funding earning assets | 1.4305% | 3,389 |
| Net interest margin | 3.4504% | 5,494 |
| Noninterest income to average assets | 0.5627% | 3,698 |
| Noninterest expense to average assets | 2.2002% | 6,603 |
| Loan and lease loss provision to assets | 0.4493% | 3,222 |
| Net operating income to assets | 0.9561% | 2,389 |
| Return on assets (ROA) | 0.9199% | 2,674 |
| Pretax return on assets | 1.1581% | 2,645 |
| Return on Equity (ROE) | 12.7230% | 1,337 |
| Retained earnings to average equity (ytd only) | 8.0478% | 1,405 |
| Net charge-offs to loans | 0.1964% | 4,766 |
| Credit loss provision to net charge-offs | 379.5620% | 821 |
| Earnings coverage of net charge-offs (x) | 13.9650% | 1,548 |
| Efficiency ratio | 57.0974% | 6,402 |
| Assets per employee ($millions) | 4.7447% | 2,532 |
| Cash dividends to net income (ytd only)* | 36.7461% | 2,237 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6980% | 3,157 |
| Loan loss allowance to noncurrent loans | 98.0586% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 4,665 |
| Noncurrent loans to loans | 1.7316% | 4,048 |
| Net loans and leases to total assets | 59.7726% | 4,954 |
| Net loans and leases to deposits | 69.8225% | 5,179 |
| Net loans and leases to core deposits | 74.0170% | 5,289 |
| Total domestic deposits to total assets | 85.6065% | 3,288 |
| Equity capital to assets | 7.4671% | 7,146 |
| Core capital (leverage) ratio | 6.9886% | 7,173 |
| Tier 1 risk-based capital ratio | 9.7675% | 7,168 |
| Total risk-based capital ratio | 11.0201% | 7,158 |
| Memoranda: |
| Average total assets | $771,475,500 | 878 |
| Average earning assets | $735,771,250 | 834 |
| Average equity | $55,782,250 | 1,189 |
| Average total loans | $465,033,750 | 976 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8878% | 5,447 |
| Cost of funding earning assets | 1.4847% | 3,341 |
| Net interest margin | 3.4031% | 5,632 |
| Noninterest income to average assets | 0.5691% | 3,550 |
| Noninterest expense to average assets | 2.1619% | 6,740 |
| Loan and lease loss provision to assets | 0.3655% | 3,516 |
| Net operating income to assets | 1.0059% | 2,171 |
| Return on assets (ROA) | 0.9615% | 2,411 |
| Pretax return on assets | 1.2270% | 2,327 |
| Return on Equity (ROE) | 13.4484% | 1,151 |
| Retained earnings to average equity (ytd only) | 8.7343% | 1,192 |
| Net charge-offs to loans | 0.2641% | 4,019 |
| Credit loss provision to net charge-offs | 230.2632% | 1,684 |
| Earnings coverage of net charge-offs (x) | 10.3914% | 1,894 |
| Efficiency ratio | 56.7231% | 6,542 |
| Assets per employee ($millions) | 4.5721% | 2,762 |
| Cash dividends to net income (ytd only)* | 35.0529% | 2,313 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4754% | 4,035 |
| Loan loss allowance to noncurrent loans | 96.7827% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 4,858 |
| Noncurrent loans to loans | 1.5245% | 4,426 |
| Net loans and leases to total assets | 60.5739% | 4,952 |
| Net loans and leases to deposits | 71.1349% | 5,125 |
| Net loans and leases to core deposits | 76.0572% | 5,186 |
| Total domestic deposits to total assets | 85.1536% | 3,544 |
| Equity capital to assets | 7.4369% | 7,151 |
| Core capital (leverage) ratio | 6.9976% | 7,195 |
| Tier 1 risk-based capital ratio | 9.7943% | 7,138 |
| Total risk-based capital ratio | 11.0446% | 7,118 |
| Memoranda: |
| Average total assets | $766,096,670 | 887 |
| Average earning assets | $729,864,670 | 841 |
| Average equity | $54,772,330 | 1,210 |
| Average total loans | $460,409,000 | 994 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8513% | 5,685 |
| Cost of funding earning assets | 1.5442% | 3,307 |
| Net interest margin | 3.3071% | 5,946 |
| Noninterest income to average assets | 0.5564% | 3,597 |
| Noninterest expense to average assets | 2.1437% | 6,825 |
| Loan and lease loss provision to assets | 0.3671% | 3,168 |
| Net operating income to assets | 0.9467% | 2,373 |
| Return on assets (ROA) | 0.8841% | 2,685 |
| Pretax return on assets | 1.1154% | 2,683 |
| Return on Equity (ROE) | 12.6229% | 1,344 |
| Retained earnings to average equity (ytd only) | 7.7415% | 1,818 |
| Net charge-offs to loans | 0.4944% | 2,580 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 5.3179% | 2,426 |
| Efficiency ratio | 57.8545% | 6,508 |
| Assets per employee ($millions) | 4.6777% | 2,677 |
| Cash dividends to net income (ytd only)* | 38.6714% | 1,802 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3934% | 4,453 |
| Loan loss allowance to noncurrent loans | 172.8385% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 5,999 |
| Noncurrent loans to loans | 0.8062% | 5,701 |
| Net loans and leases to total assets | 58.6407% | 5,329 |
| Net loans and leases to deposits | 67.9166% | 5,601 |
| Net loans and leases to core deposits | 72.8442% | 5,627 |
| Total domestic deposits to total assets | 86.3421% | 2,966 |
| Equity capital to assets | 7.0748% | 7,336 |
| Core capital (leverage) ratio | 7.0035% | 7,247 |
| Tier 1 risk-based capital ratio | 9.6988% | 7,212 |
| Total risk-based capital ratio | 10.8787% | 7,232 |
| Memoranda: |
| Average total assets | $762,802,000 | 909 |
| Average earning assets | $726,318,000 | 867 |
| Average equity | $53,426,500 | 1,250 |
| Average total loans | $453,086,000 | 1,035 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2424% | 5,448 |
| Cost of funding earning assets | 2.0300% | 2,821 |
| Net interest margin | 3.2124% | 6,046 |
| Noninterest income to average assets | 0.6330% | 3,407 |
| Noninterest expense to average assets | 2.3276% | 6,666 |
| Loan and lease loss provision to assets | 0.5865% | 3,446 |
| Net operating income to assets | 0.6667% | 3,073 |
| Return on assets (ROA) | 0.6251% | 3,294 |
| Pretax return on assets | 0.7270% | 3,483 |
| Return on Equity (ROE) | 8.6251% | 2,157 |
| Retained earnings to average equity (ytd only) | 2.0144% | 3,694 |
| Net charge-offs to loans | 0.4118% | 4,166 |
| Credit loss provision to net charge-offs | 234.5958% | 1,549 |
| Earnings coverage of net charge-offs (x) | 5.4471% | 2,596 |
| Efficiency ratio | 63.0889% | 5,951 |
| Assets per employee ($millions) | 4.5967% | 2,770 |
| Cash dividends to net income (ytd only)* | 76.6448% | 1,301 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3817% | 4,326 |
| Loan loss allowance to noncurrent loans | 161.6905% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 5,902 |
| Noncurrent loans to loans | 0.8545% | 5,587 |
| Net loans and leases to total assets | 58.5054% | 5,577 |
| Net loans and leases to deposits | 69.9789% | 5,605 |
| Net loans and leases to core deposits | 84.0155% | 5,712 |
| Total domestic deposits to total assets | 83.6043% | 4,230 |
| Equity capital to assets | 6.9324% | 7,400 |
| Core capital (leverage) ratio | 6.9030% | 7,312 |
| Tier 1 risk-based capital ratio | 9.7070% | 7,096 |
| Total risk-based capital ratio | 10.8852% | 7,114 |
| Memoranda: |
| Average total assets | $707,581,400 | 966 |
| Average earning assets | $673,242,000 | 920 |
| Average equity | $51,280,600 | 1,306 |
| Average total loans | $429,623,600 | 1,114 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3209% | 5,318 |
| Cost of funding earning assets | 2.1189% | 2,808 |
| Net interest margin | 3.2020% | 6,016 |
| Noninterest income to average assets | 0.6426% | 3,400 |
| Noninterest expense to average assets | 2.3311% | 6,622 |
| Loan and lease loss provision to assets | 0.4989% | 3,404 |
| Net operating income to assets | 0.7325% | 3,085 |
| Return on assets (ROA) | 0.6305% | 3,559 |
| Pretax return on assets | 0.7382% | 3,741 |
| Return on Equity (ROE) | 8.5980% | 2,413 |
| Retained earnings to average equity (ytd only) | 0.6097% | 4,946 |
| Net charge-offs to loans | 0.2710% | 4,345 |
| Credit loss provision to net charge-offs | 301.2746% | 1,363 |
| Earnings coverage of net charge-offs (x) | 8.1947% | 2,292 |
| Efficiency ratio | 63.2069% | 5,889 |
| Assets per employee ($millions) | 4.4438% | 2,951 |
| Cash dividends to net income (ytd only)* | 92.9093% | 692 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2722% | 4,672 |
| Loan loss allowance to noncurrent loans | 170.1679% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 5,989 |
| Noncurrent loans to loans | 0.7476% | 5,813 |
| Net loans and leases to total assets | 59.7093% | 5,626 |
| Net loans and leases to deposits | 71.5863% | 5,721 |
| Net loans and leases to core deposits | 87.4125% | 5,703 |
| Total domestic deposits to total assets | 83.4089% | 4,016 |
| Equity capital to assets | 7.3683% | 7,388 |
| Core capital (leverage) ratio | 6.9697% | 7,454 |
| Tier 1 risk-based capital ratio | 9.6489% | 7,276 |
| Total risk-based capital ratio | 10.7155% | 7,361 |
| Memoranda: |
| Average total assets | $694,862,500 | 997 |
| Average earning assets | $660,897,750 | 946 |
| Average equity | $50,956,000 | 1,328 |
| Average total loans | $424,540,750 | 1,149 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3669% | 5,314 |
| Cost of funding earning assets | 2.1791% | 2,891 |
| Net interest margin | 3.1878% | 5,959 |
| Noninterest income to average assets | 0.6312% | 3,462 |
| Noninterest expense to average assets | 2.4069% | 6,439 |
| Loan and lease loss provision to assets | 0.3211% | 4,017 |
| Net operating income to assets | 0.7481% | 3,051 |
| Return on assets (ROA) | 0.7784% | 3,043 |
| Pretax return on assets | 0.9661% | 3,124 |
| Return on Equity (ROE) | 10.6319% | 1,809 |
| Retained earnings to average equity (ytd only) | 0.9651% | 4,794 |
| Net charge-offs to loans | 0.1676% | 4,546 |
| Credit loss provision to net charge-offs | 312.5000% | 1,492 |
| Earnings coverage of net charge-offs (x) | 12.1619% | 1,841 |
| Efficiency ratio | 65.8204% | 5,574 |
| Assets per employee ($millions) | 4.4068% | 2,922 |
| Cash dividends to net income (ytd only)* | 90.9227% | 869 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0511% | 5,905 |
| Loan loss allowance to noncurrent loans | 201.8494% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 6,544 |
| Noncurrent loans to loans | 0.5207% | 6,229 |
| Net loans and leases to total assets | 60.4497% | 5,607 |
| Net loans and leases to deposits | 71.8105% | 5,760 |
| Net loans and leases to core deposits | 87.8396% | 5,740 |
| Total domestic deposits to total assets | 84.1795% | 3,659 |
| Equity capital to assets | 7.0017% | 7,619 |
| Core capital (leverage) ratio | 7.2151% | 7,344 |
| Tier 1 risk-based capital ratio | 9.7470% | 7,188 |
| Total risk-based capital ratio | 10.6331% | 7,459 |
| Memoranda: |
| Average total assets | $685,038,670 | 1,030 |
| Average earning assets | $650,174,000 | 981 |
| Average equity | $50,151,000 | 1,370 |
| Average total loans | $420,031,670 | 1,188 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4103% | 5,370 |
| Cost of funding earning assets | 2.2283% | 3,020 |
| Net interest margin | 3.1819% | 5,919 |
| Noninterest income to average assets | 0.6233% | 3,395 |
| Noninterest expense to average assets | 2.3298% | 6,433 |
| Loan and lease loss provision to assets | 0.3579% | 3,172 |
| Net operating income to assets | 0.7654% | 3,278 |
| Return on assets (ROA) | 0.8303% | 3,145 |
| Pretax return on assets | 1.0361% | 3,220 |
| Return on Equity (ROE) | 11.0841% | 1,944 |
| Retained earnings to average equity (ytd only) | -2.2375% | 6,146 |
| Net charge-offs to loans | 0.2097% | 3,382 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 10.1898% | 1,970 |
| Efficiency ratio | 63.9594% | 5,693 |
| Assets per employee ($millions) | 4.2008% | 3,263 |
| Cash dividends to net income (ytd only)* | 120.1868% | 587 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0041% | 6,145 |
| Loan loss allowance to noncurrent loans | 567.9677% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 7,058 |
| Noncurrent loans to loans | 0.1768% | 7,020 |
| Net loans and leases to total assets | 61.1348% | 5,481 |
| Net loans and leases to deposits | 72.5132% | 5,681 |
| Net loans and leases to core deposits | 89.3533% | 5,616 |
| Total domestic deposits to total assets | 84.3084% | 3,556 |
| Equity capital to assets | 7.3867% | 7,430 |
| Core capital (leverage) ratio | 7.5339% | 7,114 |
| Tier 1 risk-based capital ratio | 9.9582% | 6,976 |
| Total risk-based capital ratio | 10.8003% | 7,326 |
| Memoranda: |
| Average total assets | $670,610,000 | 1,052 |
| Average earning assets | $636,347,000 | 1,006 |
| Average equity | $50,234,000 | 1,367 |
| Average total loans | $411,981,500 | 1,228 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9451% | 5,829 |
| Cost of funding earning assets | 2.5869% | 3,746 |
| Net interest margin | 3.3583% | 5,831 |
| Noninterest income to average assets | 0.6451% | 3,509 |
| Noninterest expense to average assets | 2.3062% | 6,681 |
| Loan and lease loss provision to assets | 0.2106% | 4,788 |
| Net operating income to assets | 0.9970% | 2,573 |
| Return on assets (ROA) | 1.0052% | 2,423 |
| Pretax return on assets | 1.2996% | 2,314 |
| Return on Equity (ROE) | 12.8970% | 1,356 |
| Retained earnings to average equity (ytd only) | 6.4781% | 1,340 |
| Net charge-offs to loans | 0.1986% | 4,207 |
| Credit loss provision to net charge-offs | 172.5260% | 2,963 |
| Earnings coverage of net charge-offs (x) | 12.2852% | 2,265 |
| Efficiency ratio | 60.5988% | 6,244 |
| Assets per employee ($millions) | 4.1552% | 3,199 |
| Cash dividends to net income (ytd only)* | 49.7708% | 3,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9502% | 6,394 |
| Loan loss allowance to noncurrent loans | 293.2722% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 6,694 |
| Noncurrent loans to loans | 0.3240% | 6,401 |
| Net loans and leases to total assets | 60.5226% | 5,835 |
| Net loans and leases to deposits | 72.7301% | 5,974 |
| Net loans and leases to core deposits | 89.8924% | 5,805 |
| Total domestic deposits to total assets | 83.2153% | 3,680 |
| Equity capital to assets | 7.5980% | 7,304 |
| Core capital (leverage) ratio | 7.7948% | 6,809 |
| Tier 1 risk-based capital ratio | 10.8383% | 5,871 |
| Total risk-based capital ratio | 11.6668% | 6,175 |
| Memoranda: |
| Average total assets | $629,208,800 | 1,065 |
| Average earning assets | $592,182,400 | 1,040 |
| Average equity | $49,042,400 | 1,390 |
| Average total loans | $386,756,800 | 1,254 |
