| 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 | 4.6737% | 2,732 |
| Cost of funding earning assets | 1.7719% | 1,302 |
| Net interest margin | 2.9018% | 3,486 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.0767% | 3,461 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8246% | 2,790 |
| Return on assets (ROA) | 0.8246% | 2,770 |
| Pretax return on assets | 0.9757% | 2,736 |
| Return on Equity (ROE) | 9.8500% | 2,542 |
| Retained earnings to average equity (ytd only) | 4.1213% | 2,914 |
| Net charge-offs to loans | 0.0392% | 1,525 |
| Credit loss provision to net charge-offs | 352.9412% | 846 |
| Earnings coverage of net charge-offs (x) | 44.3039% | 1,372 |
| Efficiency ratio | 65.5149% | 2,412 |
| Assets per employee ($millions) | 8.4180% | 1,216 |
| Cash dividends to net income (ytd only)* | 58.1792% | 1,271 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1131% | 2,771 |
| Loan loss allowance to noncurrent loans | 74,750.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 3,855 |
| Noncurrent loans to loans | 0.0015% | 3,793 |
| Net loans and leases to total assets | 60.6800% | 2,786 |
| Net loans and leases to deposits | 79.0345% | 2,183 |
| Net loans and leases to core deposits | 95.1735% | 1,702 |
| Total domestic deposits to total assets | 76.7800% | 3,867 |
| Equity capital to assets | 8.5985% | 2,977 |
| Core capital (leverage) ratio | 9.3105% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $426,251,800 | 1,933 |
| Average earning assets | $390,098,800 | 1,952 |
| Average equity | $35,668,200 | 2,025 |
| Average total loans | $260,283,600 | 1,955 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5514% | 2,794 |
| Cost of funding earning assets | 1.6476% | 1,285 |
| Net interest margin | 2.9038% | 3,535 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.0227% | 3,537 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.9485% | 2,517 |
| Return on assets (ROA) | 0.9485% | 2,503 |
| Pretax return on assets | 1.1044% | 2,556 |
| Return on Equity (ROE) | 11.4200% | 2,272 |
| Retained earnings to average equity (ytd only) | 7.9296% | 1,993 |
| Net charge-offs to loans | 0.0124% | 1,949 |
| Credit loss provision to net charge-offs | 1,125.0000% | 378 |
| Earnings coverage of net charge-offs (x) | 157.3750% | 704 |
| Efficiency ratio | 62.2941% | 2,684 |
| Assets per employee ($millions) | 8.4429% | 1,139 |
| Cash dividends to net income (ytd only)* | 30.5445% | 2,054 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1127% | 2,801 |
| Loan loss allowance to noncurrent loans | 78.9865% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 616 |
| Noncurrent loans to loans | 1.4087% | 534 |
| Net loans and leases to total assets | 61.4400% | 2,711 |
| Net loans and leases to deposits | 80.6595% | 1,994 |
| Net loans and leases to core deposits | 95.8553% | 1,558 |
| Total domestic deposits to total assets | 76.1800% | 3,995 |
| Equity capital to assets | 8.2894% | 2,860 |
| Core capital (leverage) ratio | 9.5972% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $423,380,250 | 1,941 |
| Average earning assets | $387,626,000 | 1,957 |
| Average equity | $35,175,500 | 2,041 |
| Average total loans | $258,198,250 | 1,971 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2709% | 3,154 |
| Cost of funding earning assets | 1.4910% | 1,261 |
| Net interest margin | 2.7800% | 3,852 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.0633% | 3,433 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.9772% | 2,493 |
| Return on assets (ROA) | 0.9772% | 2,482 |
| Pretax return on assets | 1.0946% | 2,661 |
| Return on Equity (ROE) | 11.7500% | 2,234 |
| Retained earnings to average equity (ytd only) | 7.3537% | 2,172 |
| Net charge-offs to loans | 0.0196% | 1,500 |
| Credit loss provision to net charge-offs | 720.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 99.3600% | 940 |
| Efficiency ratio | 62.9413% | 2,601 |
| Assets per employee ($millions) | 8.2403% | 1,216 |
| Cash dividends to net income (ytd only)* | 37.4332% | 1,804 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1023% | 2,950 |
| Loan loss allowance to noncurrent loans | 75.2999% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 550 |
| Noncurrent loans to loans | 1.4639% | 465 |
| Net loans and leases to total assets | 60.4500% | 2,732 |
| Net loans and leases to deposits | 79.0266% | 2,043 |
| Net loans and leases to core deposits | 92.8508% | 1,634 |
| Total domestic deposits to total assets | 76.4900% | 4,003 |
| Equity capital to assets | 8.3144% | 3,015 |
| Core capital (leverage) ratio | 9.4272% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $420,978,333 | 1,950 |
| Average earning assets | $387,269,333 | 1,954 |
| Average equity | $35,003,000 | 2,056 |
| Average total loans | $255,081,000 | 1,983 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1053% | 3,247 |
| Cost of funding earning assets | 1.3022% | 1,227 |
| Net interest margin | 2.8031% | 3,938 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.1284% | 3,313 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9396% | 2,720 |
| Return on assets (ROA) | 0.9396% | 2,675 |
| Pretax return on assets | 1.0613% | 2,825 |
| Return on Equity (ROE) | 11.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 11.2998% | 1,400 |
| Net charge-offs to loans | 0.0429% | 930 |
| Credit loss provision to net charge-offs | 333.3333% | 656 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 1,139 |
| Efficiency ratio | 64.2962% | 2,419 |
| Assets per employee ($millions) | 8.2156% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1081% | 3,015 |
| Loan loss allowance to noncurrent loans | 72.1921% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 470 |
| Noncurrent loans to loans | 1.5349% | 423 |
| Net loans and leases to total assets | 59.5500% | 2,710 |
| Net loans and leases to deposits | 76.2767% | 2,090 |
| Net loans and leases to core deposits | 86.5662% | 1,831 |
| Total domestic deposits to total assets | 78.0800% | 4,002 |
| Equity capital to assets | 8.5583% | 2,846 |
| Core capital (leverage) ratio | 9.4974% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $417,220,000 | 1,984 |
| Average earning assets | $384,577,000 | 1,986 |
| Average equity | $34,691,000 | 2,089 |
| Average total loans | $251,666,000 | 2,017 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6074% | 2,785 |
| Cost of funding earning assets | 0.5086% | 1,328 |
| Net interest margin | 3.0989% | 3,175 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.1298% | 3,220 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.7921% | 3,353 |
| Return on assets (ROA) | 0.7921% | 3,287 |
| Pretax return on assets | 0.9623% | 3,187 |
| Return on Equity (ROE) | 9.2500% | 3,048 |
| Retained earnings to average equity (ytd only) | 4.8213% | 3,129 |
| Net charge-offs to loans | -0.0004% | 3,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.2703% | 2,199 |
| Assets per employee ($millions) | 7.9893% | 1,326 |
| Cash dividends to net income (ytd only)* | 47.8904% | 1,502 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0884% | 2,952 |
| Loan loss allowance to noncurrent loans | 71.7437% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 481 |
| Noncurrent loans to loans | 1.5171% | 427 |
| Net loans and leases to total assets | 59.7600% | 2,654 |
| Net loans and leases to deposits | 76.0280% | 2,092 |
| Net loans and leases to core deposits | 85.7763% | 1,770 |
| Total domestic deposits to total assets | 78.6000% | 4,036 |
| Equity capital to assets | 8.0692% | 3,021 |
| Core capital (leverage) ratio | 9.2874% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $409,936,200 | 1,991 |
| Average earning assets | $379,301,000 | 1,988 |
| Average equity | $35,094,000 | 2,107 |
| Average total loans | $235,552,600 | 2,021 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4318% | 2,829 |
| Cost of funding earning assets | 0.3945% | 1,328 |
| Net interest margin | 3.0373% | 3,125 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.0909% | 3,231 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.7845% | 3,315 |
| Return on assets (ROA) | 0.7845% | 3,266 |
| Pretax return on assets | 0.9630% | 3,130 |
| Return on Equity (ROE) | 9.0300% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.7779% | 2,452 |
| Net charge-offs to loans | -0.0006% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.8288% | 2,302 |
| Assets per employee ($millions) | 8.1293% | 1,255 |
| Cash dividends to net income (ytd only)* | 24.9584% | 2,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0959% | 3,037 |
| Loan loss allowance to noncurrent loans | 3,885.2941% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,789 |
| Noncurrent loans to loans | 0.0282% | 3,697 |
| Net loans and leases to total assets | 58.6600% | 2,630 |
| Net loans and leases to deposits | 69.3985% | 2,424 |
| Net loans and leases to core deposits | 79.0483% | 1,969 |
| Total domestic deposits to total assets | 84.5300% | 3,381 |
| Equity capital to assets | 7.9566% | 2,921 |
| Core capital (leverage) ratio | 9.5039% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $408,559,000 | 2,011 |
| Average earning assets | $378,531,000 | 2,012 |
| Average equity | $35,486,750 | 2,125 |
| Average total loans | $231,688,500 | 2,042 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3056% | 2,722 |
| Cost of funding earning assets | 0.3275% | 1,459 |
| Net interest margin | 2.9781% | 2,944 |
| Noninterest income to average assets | 0.2859% | 3,463 |
| Noninterest expense to average assets | 2.1331% | 3,052 |
| Loan and lease loss provision to assets | 0.0880% | 1,122 |
| Net operating income to assets | 0.6905% | 3,336 |
| Return on assets (ROA) | 0.6905% | 3,290 |
| Pretax return on assets | 0.8293% | 3,253 |
| Return on Equity (ROE) | 7.7350% | 3,094 |
| Retained earnings to average equity (ytd only) | 4.4505% | 2,908 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1926% | 2,078 |
| Assets per employee ($millions) | 7.4854% | 1,613 |
| Cash dividends to net income (ytd only)* | 42.4628% | 1,628 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0780% | 3,247 |
| Loan loss allowance to noncurrent loans | 3,543.0556% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 3,834 |
| Noncurrent loans to loans | 0.0304% | 3,727 |
| Net loans and leases to total assets | 57.9149% | 2,545 |
| Net loans and leases to deposits | 69.0395% | 2,302 |
| Net loans and leases to core deposits | 77.1029% | 1,915 |
| Total domestic deposits to total assets | 83.8867% | 3,704 |
| Equity capital to assets | 8.4273% | 2,817 |
| Core capital (leverage) ratio | 9.2270% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $409,256,333 | 2,014 |
| Average earning assets | $379,901,000 | 2,022 |
| Average equity | $36,535,333 | 2,140 |
| Average total loans | $228,556,333 | 2,058 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1186% | 2,920 |
| Cost of funding earning assets | 0.3169% | 1,493 |
| Net interest margin | 2.8017% | 3,136 |
| Noninterest income to average assets | 0.2817% | 3,443 |
| Noninterest expense to average assets | 2.1419% | 3,005 |
| Loan and lease loss provision to assets | 0.0874% | 946 |
| Net operating income to assets | 0.5420% | 3,589 |
| Return on assets (ROA) | 0.5420% | 3,554 |
| Pretax return on assets | 0.6547% | 3,508 |
| Return on Equity (ROE) | 5.9093% | 3,367 |
| Retained earnings to average equity (ytd only) | 5.9093% | 2,278 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4928% | 1,797 |
| Assets per employee ($millions) | 7.4668% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0910% | 3,360 |
| Loan loss allowance to noncurrent loans | 246,100.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,133 |
| Noncurrent loans to loans | 0.0004% | 4,059 |
| Net loans and leases to total assets | 54.3277% | 2,714 |
| Net loans and leases to deposits | 64.9010% | 2,446 |
| Net loans and leases to core deposits | 72.1902% | 2,090 |
| Total domestic deposits to total assets | 83.7084% | 3,824 |
| Equity capital to assets | 8.7215% | 2,955 |
| Core capital (leverage) ratio | 9.1298% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $411,778,500 | 2,012 |
| Average earning assets | $382,478,500 | 2,017 |
| Average equity | $37,771,000 | 2,140 |
| Average total loans | $224,509,500 | 2,076 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5254% | 2,590 |
| Cost of funding earning assets | 0.4257% | 1,353 |
| Net interest margin | 3.0997% | 2,903 |
| Noninterest income to average assets | 0.7851% | 1,488 |
| Noninterest expense to average assets | 2.2776% | 2,860 |
| Loan and lease loss provision to assets | 0.0916% | 1,359 |
| Net operating income to assets | 1.1104% | 2,247 |
| Return on assets (ROA) | 1.1104% | 2,310 |
| Pretax return on assets | 1.2726% | 2,452 |
| Return on Equity (ROE) | 11.2051% | 2,097 |
| Retained earnings to average equity (ytd only) | 7.4418% | 1,746 |
| Net charge-offs to loans | 0.0014% | 2,612 |
| Credit loss provision to net charge-offs | 12,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 1,786.3333% | 79 |
| Efficiency ratio | 61.8971% | 2,885 |
| Assets per employee ($millions) | 7.2436% | 1,767 |
| Cash dividends to net income (ytd only)* | 33.5855% | 2,353 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0611% | 3,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,091 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.5448% | 2,903 |
| Net loans and leases to deposits | 64.8281% | 2,614 |
| Net loans and leases to core deposits | 73.1460% | 2,148 |
| Total domestic deposits to total assets | 82.5951% | 3,883 |
| Equity capital to assets | 9.6213% | 3,029 |
| Core capital (leverage) ratio | 8.9825% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $392,831,800 | 2,014 |
| Average earning assets | $362,033,400 | 2,033 |
| Average equity | $38,928,600 | 2,120 |
| Average total loans | $217,923,600 | 2,116 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4864% | 2,870 |
| Cost of funding earning assets | 0.4480% | 1,366 |
| Net interest margin | 3.0384% | 3,210 |
| Noninterest income to average assets | 0.5277% | 2,510 |
| Noninterest expense to average assets | 2.2464% | 2,903 |
| Loan and lease loss provision to assets | 0.0928% | 1,285 |
| Net operating income to assets | 0.8416% | 3,412 |
| Return on assets (ROA) | 0.8416% | 3,473 |
| Pretax return on assets | 0.9819% | 3,515 |
| Return on Equity (ROE) | 8.4275% | 3,276 |
| Retained earnings to average equity (ytd only) | 6.6545% | 2,554 |
| Net charge-offs to loans | -0.0006% | 3,095 |
| Credit loss provision to net charge-offs | -27,000.0000% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8944% | 1,985 |
| Assets per employee ($millions) | 6.9218% | 1,923 |
| Cash dividends to net income (ytd only)* | 21.0376% | 2,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0428% | 3,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,205 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 53.0973% | 3,073 |
| Net loans and leases to deposits | 64.2375% | 2,822 |
| Net loans and leases to core deposits | 72.2973% | 2,403 |
| Total domestic deposits to total assets | 82.6578% | 3,789 |
| Equity capital to assets | 9.6490% | 3,250 |
| Core capital (leverage) ratio | 9.1400% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $387,818,750 | 2,052 |
| Average earning assets | $356,534,750 | 2,072 |
| Average equity | $38,729,500 | 2,148 |
| Average total loans | $216,542,250 | 2,157 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4765% | 2,952 |
| Cost of funding earning assets | 0.4774% | 1,347 |
| Net interest margin | 2.9991% | 3,329 |
| Noninterest income to average assets | 0.6447% | 2,019 |
| Noninterest expense to average assets | 2.2931% | 2,785 |
| Loan and lease loss provision to assets | 0.0945% | 1,329 |
| Net operating income to assets | 0.8946% | 3,235 |
| Return on assets (ROA) | 0.8946% | 3,316 |
| Pretax return on assets | 1.0111% | 3,423 |
| Return on Equity (ROE) | 8.8510% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.1759% | 2,735 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7285% | 2,049 |
| Assets per employee ($millions) | 6.3707% | 2,260 |
| Cash dividends to net income (ytd only)* | 30.2230% | 2,046 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0010% | 3,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,262 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.9352% | 3,026 |
| Net loans and leases to deposits | 66.5081% | 2,779 |
| Net loans and leases to core deposits | 75.3343% | 2,302 |
| Total domestic deposits to total assets | 82.5992% | 3,791 |
| Equity capital to assets | 9.8458% | 3,007 |
| Core capital (leverage) ratio | 9.1755% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $380,963,000 | 2,076 |
| Average earning assets | $349,836,667 | 2,092 |
| Average equity | $38,504,333 | 2,154 |
| Average total loans | $215,680,667 | 2,172 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2948% | 3,459 |
| Cost of funding earning assets | 0.5104% | 1,328 |
| Net interest margin | 2.7844% | 3,799 |
| Noninterest income to average assets | 0.9456% | 1,225 |
| Noninterest expense to average assets | 2.3768% | 2,572 |
| Loan and lease loss provision to assets | 0.0963% | 1,395 |
| Net operating income to assets | 0.9252% | 3,060 |
| Return on assets (ROA) | 0.9252% | 3,132 |
| Pretax return on assets | 1.0226% | 3,310 |
| Return on Equity (ROE) | 9.0311% | 3,028 |
| Retained earnings to average equity (ytd only) | 9.0311% | 1,947 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2583% | 2,036 |
| Assets per employee ($millions) | 6.1738% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9463% | 4,030 |
| Loan loss allowance to noncurrent loans | 11,688.8889% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,293 |
| Noncurrent loans to loans | 0.0081% | 4,281 |
| Net loans and leases to total assets | 57.5394% | 2,852 |
| Net loans and leases to deposits | 70.0452% | 2,499 |
| Net loans and leases to core deposits | 80.3791% | 1,965 |
| Total domestic deposits to total assets | 82.1461% | 3,866 |
| Equity capital to assets | 10.0793% | 2,637 |
| Core capital (leverage) ratio | 9.5220% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $373,953,500 | 2,088 |
| Average earning assets | $342,482,500 | 2,117 |
| Average equity | $38,312,000 | 2,149 |
| Average total loans | $213,932,000 | 2,189 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2683% | 1,960 |
| Cost of funding earning assets | 0.7895% | 1,255 |
| Net interest margin | 3.4788% | 2,534 |
| Noninterest income to average assets | 0.4623% | 2,807 |
| Noninterest expense to average assets | 2.4236% | 3,078 |
| Loan and lease loss provision to assets | 0.1521% | 2,474 |
| Net operating income to assets | 0.8679% | 2,834 |
| Return on assets (ROA) | 0.9255% | 2,729 |
| Pretax return on assets | 1.0940% | 2,720 |
| Return on Equity (ROE) | 8.2970% | 2,692 |
| Retained earnings to average equity (ytd only) | 4.2194% | 2,701 |
| Net charge-offs to loans | 0.1016% | 1,459 |
| Credit loss provision to net charge-offs | 237.2093% | 1,984 |
| Earnings coverage of net charge-offs (x) | 18.3767% | 2,026 |
| Efficiency ratio | 66.5231% | 2,445 |
| Assets per employee ($millions) | 6.0856% | 2,267 |
| Cash dividends to net income (ytd only)* | 49.1460% | 1,876 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9800% | 3,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,321 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.7331% | 3,326 |
| Net loans and leases to deposits | 68.3843% | 3,044 |
| Net loans and leases to core deposits | 78.3874% | 2,526 |
| Total domestic deposits to total assets | 81.4999% | 3,761 |
| Equity capital to assets | 10.4189% | 2,740 |
| Core capital (leverage) ratio | 9.7064% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $335,281,000 | 2,112 |
| Average earning assets | $302,605,400 | 2,163 |
| Average equity | $37,399,000 | 2,111 |
| Average total loans | $211,680,200 | 2,154 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4113% | 1,821 |
| Cost of funding earning assets | 0.8454% | 1,278 |
| Net interest margin | 3.5659% | 2,374 |
| Noninterest income to average assets | 0.4856% | 2,673 |
| Noninterest expense to average assets | 2.3915% | 3,161 |
| Loan and lease loss provision to assets | 0.1708% | 2,290 |
| Net operating income to assets | 0.9221% | 2,616 |
| Return on assets (ROA) | 0.9969% | 2,480 |
| Pretax return on assets | 1.2254% | 2,302 |
| Return on Equity (ROE) | 8.7758% | 2,487 |
| Retained earnings to average equity (ytd only) | 6.3589% | 1,939 |
| Net charge-offs to loans | 0.1257% | 1,126 |
| Credit loss provision to net charge-offs | 208.9552% | 2,077 |
| Earnings coverage of net charge-offs (x) | 15.9502% | 2,080 |
| Efficiency ratio | 63.9555% | 2,740 |
| Assets per employee ($millions) | 5.5237% | 2,688 |
| Cash dividends to net income (ytd only)* | 27.5398% | 2,474 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9033% | 4,060 |
| Loan loss allowance to noncurrent loans | 6,460.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 4,179 |
| Noncurrent loans to loans | 0.0140% | 4,388 |
| Net loans and leases to total assets | 62.0782% | 3,001 |
| Net loans and leases to deposits | 75.3346% | 2,812 |
| Net loans and leases to core deposits | 86.5352% | 2,272 |
| Total domestic deposits to total assets | 82.4033% | 3,315 |
| Equity capital to assets | 11.1853% | 2,245 |
| Core capital (leverage) ratio | 10.3028% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $327,818,000 | 2,129 |
| Average earning assets | $295,084,750 | 2,183 |
| Average equity | $37,238,000 | 2,109 |
| Average total loans | $213,221,750 | 2,147 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5382% | 1,808 |
| Cost of funding earning assets | 0.8994% | 1,378 |
| Net interest margin | 3.6388% | 2,350 |
| Noninterest income to average assets | 0.5370% | 2,407 |
| Noninterest expense to average assets | 2.4153% | 3,216 |
| Loan and lease loss provision to assets | 0.2044% | 2,008 |
| Net operating income to assets | 0.9832% | 2,388 |
| Return on assets (ROA) | 1.0999% | 2,083 |
| Pretax return on assets | 1.3328% | 1,925 |
| Return on Equity (ROE) | 9.6307% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.9704% | 2,095 |
| Net charge-offs to loans | 0.1147% | 1,156 |
| Credit loss provision to net charge-offs | 270.4918% | 1,692 |
| Earnings coverage of net charge-offs (x) | 18.4836% | 1,762 |
| Efficiency ratio | 62.6158% | 3,024 |
| Assets per employee ($millions) | 5.4216% | 2,715 |
| Cash dividends to net income (ytd only)* | 38.0068% | 2,023 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9113% | 3,950 |
| Loan loss allowance to noncurrent loans | 563.4503% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 3,791 |
| Noncurrent loans to loans | 0.1617% | 3,803 |
| Net loans and leases to total assets | 62.3371% | 3,089 |
| Net loans and leases to deposits | 75.9193% | 2,880 |
| Net loans and leases to core deposits | 87.7609% | 2,270 |
| Total domestic deposits to total assets | 82.1097% | 3,341 |
| Equity capital to assets | 11.2225% | 2,165 |
| Core capital (leverage) ratio | 10.2642% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $322,934,667 | 2,131 |
| Average earning assets | $290,641,333 | 2,183 |
| Average equity | $36,882,000 | 2,120 |
| Average total loans | $212,783,667 | 2,137 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6451% | 1,871 |
| Cost of funding earning assets | 0.9693% | 1,568 |
| Net interest margin | 3.6758% | 2,417 |
| Noninterest income to average assets | 0.6487% | 1,834 |
| Noninterest expense to average assets | 2.4974% | 3,275 |
| Loan and lease loss provision to assets | 0.3288% | 941 |
| Net operating income to assets | 0.9345% | 2,403 |
| Return on assets (ROA) | 0.9345% | 2,512 |
| Pretax return on assets | 1.1216% | 2,450 |
| Return on Equity (ROE) | 8.1072% | 2,475 |
| Retained earnings to average equity (ytd only) | 8.1072% | 1,198 |
| Net charge-offs to loans | 0.2305% | 617 |
| Credit loss provision to net charge-offs | 211.3821% | 1,389 |
| Earnings coverage of net charge-offs (x) | 9.3252% | 1,825 |
| Efficiency ratio | 62.5240% | 3,435 |
| Assets per employee ($millions) | 5.2558% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8438% | 4,291 |
| Loan loss allowance to noncurrent loans | 557.3574% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 3,859 |
| Noncurrent loans to loans | 0.1514% | 3,916 |
| Net loans and leases to total assets | 68.0314% | 2,534 |
| Net loans and leases to deposits | 82.5919% | 2,370 |
| Net loans and leases to core deposits | 97.1792% | 1,704 |
| Total domestic deposits to total assets | 82.3705% | 3,309 |
| Equity capital to assets | 11.5188% | 2,423 |
| Core capital (leverage) ratio | 10.7246% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $316,333,500 | 2,119 |
| Average earning assets | $283,913,000 | 2,175 |
| Average equity | $36,461,500 | 2,131 |
| Average total loans | $213,443,000 | 2,096 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6472% | 2,477 |
| Cost of funding earning assets | 0.9806% | 1,811 |
| Net interest margin | 3.6666% | 2,915 |
| Noninterest income to average assets | 0.4852% | 2,829 |
| Noninterest expense to average assets | 2.6094% | 3,152 |
| Loan and lease loss provision to assets | 0.0551% | 2,924 |
| Net operating income to assets | 0.8825% | 3,276 |
| Return on assets (ROA) | 0.9175% | 3,213 |
| Pretax return on assets | 1.1270% | 3,088 |
| Return on Equity (ROE) | 8.0292% | 3,150 |
| Retained earnings to average equity (ytd only) | 3.9735% | 2,973 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7143% | 2,356 |
| Assets per employee ($millions) | 4.8760% | 2,739 |
| Cash dividends to net income (ytd only)* | 50.5125% | 2,009 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8308% | 4,218 |
| Loan loss allowance to noncurrent loans | 224.7059% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 2,859 |
| Noncurrent loans to loans | 0.3697% | 3,120 |
| Net loans and leases to total assets | 65.7558% | 2,980 |
| Net loans and leases to deposits | 80.7663% | 2,690 |
| Net loans and leases to core deposits | 95.4401% | 1,944 |
| Total domestic deposits to total assets | 81.4149% | 3,676 |
| Equity capital to assets | 11.5339% | 2,506 |
| Core capital (leverage) ratio | 10.6196% | 2,836 |
| Tier 1 risk-based capital ratio | 14.1350% | 3,197 |
| Total risk-based capital ratio | 14.8800% | 3,358 |
| Memoranda: |
| Average total assets | $308,352,000 | 2,116 |
| Average earning assets | $274,421,600 | 2,182 |
| Average equity | $35,233,800 | 2,122 |
| Average total loans | $204,742,200 | 2,133 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6548% | 2,546 |
| Cost of funding earning assets | 0.9774% | 1,861 |
| Net interest margin | 3.6774% | 3,003 |
| Noninterest income to average assets | 0.5204% | 2,603 |
| Noninterest expense to average assets | 2.5879% | 3,196 |
| Loan and lease loss provision to assets | 0.0607% | 2,686 |
| Net operating income to assets | 0.9453% | 3,186 |
| Return on assets (ROA) | 0.9463% | 3,257 |
| Pretax return on assets | 1.1432% | 3,157 |
| Return on Equity (ROE) | 8.3017% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.9619% | 2,388 |
| Net charge-offs to loans | -0.0007% | 3,981 |
| Credit loss provision to net charge-offs | -14,000.0000% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3455% | 2,518 |
| Assets per employee ($millions) | 4.7744% | 2,823 |
| Cash dividends to net income (ytd only)* | 28.1852% | 2,690 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8264% | 4,325 |
| Loan loss allowance to noncurrent loans | 632.9588% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 3,598 |
| Noncurrent loans to loans | 0.1306% | 4,065 |
| Net loans and leases to total assets | 66.3751% | 3,004 |
| Net loans and leases to deposits | 81.1148% | 2,788 |
| Net loans and leases to core deposits | 96.8230% | 1,929 |
| Total domestic deposits to total assets | 81.8286% | 3,519 |
| Equity capital to assets | 11.8850% | 2,340 |
| Core capital (leverage) ratio | 10.8484% | 2,789 |
| Tier 1 risk-based capital ratio | 14.5192% | 3,068 |
| Total risk-based capital ratio | 15.2682% | 3,228 |
| Memoranda: |
| Average total assets | $307,424,500 | 2,142 |
| Average earning assets | $273,376,000 | 2,202 |
| Average equity | $35,044,000 | 2,150 |
| Average total loans | $204,198,250 | 2,152 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6096% | 2,647 |
| Cost of funding earning assets | 0.9594% | 1,868 |
| Net interest margin | 3.6501% | 3,099 |
| Noninterest income to average assets | 0.5214% | 2,561 |
| Noninterest expense to average assets | 2.6113% | 3,172 |
| Loan and lease loss provision to assets | 0.0714% | 2,386 |
| Net operating income to assets | 0.9142% | 3,228 |
| Return on assets (ROA) | 0.9142% | 3,289 |
| Pretax return on assets | 1.0869% | 3,274 |
| Return on Equity (ROE) | 8.1340% | 3,231 |
| Retained earnings to average equity (ytd only) | 4.5812% | 2,988 |
| Net charge-offs to loans | -0.0010% | 3,896 |
| Credit loss provision to net charge-offs | -11,000.0000% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2570% | 2,494 |
| Assets per employee ($millions) | 5.0438% | 2,424 |
| Cash dividends to net income (ytd only)* | 43.6790% | 2,060 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8215% | 4,360 |
| Loan loss allowance to noncurrent loans | 60.3198% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0488% | 1,310 |
| Noncurrent loans to loans | 1.3620% | 1,139 |
| Net loans and leases to total assets | 65.1343% | 3,218 |
| Net loans and leases to deposits | 80.3490% | 2,913 |
| Net loans and leases to core deposits | 97.0958% | 1,968 |
| Total domestic deposits to total assets | 81.0643% | 3,786 |
| Equity capital to assets | 11.5191% | 2,593 |
| Core capital (leverage) ratio | 10.4674% | 3,128 |
| Tier 1 risk-based capital ratio | 14.1924% | 3,222 |
| Total risk-based capital ratio | 14.9295% | 3,389 |
| Memoranda: |
| Average total assets | $308,045,330 | 2,130 |
| Average earning assets | $274,126,330 | 2,200 |
| Average equity | $34,620,000 | 2,161 |
| Average total loans | $204,095,330 | 2,158 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5588% | 2,670 |
| Cost of funding earning assets | 0.9325% | 1,873 |
| Net interest margin | 3.6263% | 3,155 |
| Noninterest income to average assets | 0.4140% | 3,083 |
| Noninterest expense to average assets | 2.5993% | 3,219 |
| Loan and lease loss provision to assets | 0.0389% | 2,850 |
| Net operating income to assets | 0.8370% | 3,496 |
| Return on assets (ROA) | 0.8370% | 3,535 |
| Pretax return on assets | 0.9954% | 3,449 |
| Return on Equity (ROE) | 7.5418% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.5418% | 1,824 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5000% | 2,265 |
| Assets per employee ($millions) | 4.9299% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7678% | 4,616 |
| Loan loss allowance to noncurrent loans | 288.1387% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 2,524 |
| Noncurrent loans to loans | 0.2665% | 3,607 |
| Net loans and leases to total assets | 65.7107% | 3,097 |
| Net loans and leases to deposits | 81.8507% | 2,618 |
| Net loans and leases to core deposits | 98.1404% | 1,761 |
| Total domestic deposits to total assets | 80.2812% | 4,120 |
| Equity capital to assets | 11.2080% | 2,644 |
| Core capital (leverage) ratio | 10.4105% | 3,150 |
| Tier 1 risk-based capital ratio | 13.7812% | 3,458 |
| Total risk-based capital ratio | 14.4657% | 3,669 |
| Memoranda: |
| Average total assets | $308,232,000 | 2,142 |
| Average earning assets | $273,668,500 | 2,214 |
| Average equity | $34,209,500 | 2,179 |
| Average total loans | $205,113,000 | 2,175 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5506% | 2,292 |
| Cost of funding earning assets | 0.6698% | 2,266 |
| Net interest margin | 3.8808% | 2,393 |
| Noninterest income to average assets | 0.5191% | 2,722 |
| Noninterest expense to average assets | 2.6610% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0447% | 2,827 |
| Return on assets (ROA) | 1.0447% | 2,813 |
| Pretax return on assets | 1.2910% | 2,538 |
| Return on Equity (ROE) | 9.4992% | 2,746 |
| Retained earnings to average equity (ytd only) | 5.6904% | 2,365 |
| Net charge-offs to loans | -0.0021% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3375% | 2,815 |
| Assets per employee ($millions) | 4.7794% | 2,768 |
| Cash dividends to net income (ytd only)* | 40.0966% | 2,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7572% | 4,656 |
| Loan loss allowance to noncurrent loans | 523.3108% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 2,428 |
| Noncurrent loans to loans | 0.1447% | 4,095 |
| Net loans and leases to total assets | 66.3695% | 3,075 |
| Net loans and leases to deposits | 82.3272% | 2,689 |
| Net loans and leases to core deposits | 99.1715% | 1,781 |
| Total domestic deposits to total assets | 80.6168% | 3,973 |
| Equity capital to assets | 10.9875% | 2,701 |
| Core capital (leverage) ratio | 10.4282% | 3,111 |
| Tier 1 risk-based capital ratio | 13.4583% | 3,573 |
| Total risk-based capital ratio | 14.1281% | 3,813 |
| Memoranda: |
| Average total assets | $297,217,200 | 2,179 |
| Average earning assets | $262,907,600 | 2,243 |
| Average equity | $32,686,800 | 2,171 |
| Average total loans | $187,677,400 | 2,272 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5056% | 2,281 |
| Cost of funding earning assets | 0.6263% | 2,295 |
| Net interest margin | 3.8793% | 2,375 |
| Noninterest income to average assets | 0.5599% | 2,521 |
| Noninterest expense to average assets | 2.6395% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0954% | 2,685 |
| Return on assets (ROA) | 1.0954% | 2,705 |
| Pretax return on assets | 1.3548% | 2,407 |
| Return on Equity (ROE) | 9.9578% | 2,640 |
| Retained earnings to average equity (ytd only) | 7.3081% | 1,969 |
| Net charge-offs to loans | -0.0022% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0526% | 3,027 |
| Assets per employee ($millions) | 4.6225% | 2,953 |
| Cash dividends to net income (ytd only)* | 26.6090% | 2,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8115% | 4,571 |
| Loan loss allowance to noncurrent loans | 247.2843% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 2,168 |
| Noncurrent loans to loans | 0.3282% | 3,494 |
| Net loans and leases to total assets | 63.9538% | 3,433 |
| Net loans and leases to deposits | 79.2342% | 3,117 |
| Net loans and leases to core deposits | 94.7929% | 2,227 |
| Total domestic deposits to total assets | 80.7149% | 3,948 |
| Equity capital to assets | 11.1739% | 2,504 |
| Core capital (leverage) ratio | 10.5776% | 2,997 |
| Tier 1 risk-based capital ratio | 14.1145% | 3,309 |
| Total risk-based capital ratio | 14.8189% | 3,500 |
| Memoranda: |
| Average total assets | $295,050,750 | 2,196 |
| Average earning assets | $261,207,750 | 2,261 |
| Average equity | $32,456,250 | 2,190 |
| Average total loans | $183,456,250 | 2,320 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4362% | 2,297 |
| Cost of funding earning assets | 0.5824% | 2,348 |
| Net interest margin | 3.8538% | 2,368 |
| Noninterest income to average assets | 0.4491% | 3,157 |
| Noninterest expense to average assets | 2.6073% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0136% | 2,957 |
| Return on assets (ROA) | 1.0136% | 2,966 |
| Pretax return on assets | 1.2538% | 2,710 |
| Return on Equity (ROE) | 9.2634% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.7912% | 2,671 |
| Net charge-offs to loans | -0.0022% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4910% | 2,894 |
| Assets per employee ($millions) | 4.5338% | 3,079 |
| Cash dividends to net income (ytd only)* | 37.4833% | 2,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8243% | 4,624 |
| Loan loss allowance to noncurrent loans | 241.7188% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 2,156 |
| Noncurrent loans to loans | 0.3410% | 3,478 |
| Net loans and leases to total assets | 63.1587% | 3,498 |
| Net loans and leases to deposits | 79.3406% | 3,020 |
| Net loans and leases to core deposits | 92.3986% | 2,367 |
| Total domestic deposits to total assets | 79.6046% | 4,332 |
| Equity capital to assets | 11.0189% | 2,622 |
| Core capital (leverage) ratio | 10.2689% | 3,267 |
| Tier 1 risk-based capital ratio | 13.8462% | 3,436 |
| Total risk-based capital ratio | 14.5566% | 3,653 |
| Memoranda: |
| Average total assets | $294,787,670 | 2,201 |
| Average earning assets | $260,987,000 | 2,269 |
| Average equity | $32,256,000 | 2,213 |
| Average total loans | $181,025,330 | 2,348 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2579% | 2,675 |
| Cost of funding earning assets | 0.5374% | 2,494 |
| Net interest margin | 3.7205% | 2,726 |
| Noninterest income to average assets | 0.4409% | 3,176 |
| Noninterest expense to average assets | 2.5682% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9497% | 3,074 |
| Return on assets (ROA) | 0.9497% | 3,092 |
| Pretax return on assets | 1.1695% | 2,894 |
| Return on Equity (ROE) | 8.7097% | 3,054 |
| Retained earnings to average equity (ytd only) | 8.7097% | 1,572 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6225% | 2,893 |
| Assets per employee ($millions) | 4.5557% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8506% | 4,633 |
| Loan loss allowance to noncurrent loans | 131.8259% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 2,417 |
| Noncurrent loans to loans | 0.6453% | 2,608 |
| Net loans and leases to total assets | 60.8137% | 3,668 |
| Net loans and leases to deposits | 74.9735% | 3,318 |
| Net loans and leases to core deposits | 86.9029% | 2,723 |
| Total domestic deposits to total assets | 81.1137% | 4,172 |
| Equity capital to assets | 10.8997% | 2,681 |
| Core capital (leverage) ratio | 10.3706% | 3,094 |
| Tier 1 risk-based capital ratio | 14.0242% | 3,373 |
| Total risk-based capital ratio | 14.7490% | 3,564 |
| Memoranda: |
| Average total assets | $294,834,500 | 2,222 |
| Average earning assets | $261,257,500 | 2,290 |
| Average equity | $32,148,000 | 2,232 |
| Average total loans | $177,702,000 | 2,387 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1792% | 2,764 |
| Cost of funding earning assets | 0.4728% | 2,580 |
| Net interest margin | 3.7064% | 2,775 |
| Noninterest income to average assets | 0.4455% | 3,339 |
| Noninterest expense to average assets | 2.5337% | 3,666 |
| Loan and lease loss provision to assets | 0.0311% | 3,654 |
| Net operating income to assets | 0.9987% | 2,248 |
| Return on assets (ROA) | 0.9987% | 2,284 |
| Pretax return on assets | 1.1516% | 2,976 |
| Return on Equity (ROE) | 9.1854% | 2,221 |
| Retained earnings to average equity (ytd only) | 5.6941% | 1,710 |
| Net charge-offs to loans | 0.0023% | 4,029 |
| Credit loss provision to net charge-offs | 2,250.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 856.7500% | 99 |
| Efficiency ratio | 67.0536% | 3,070 |
| Assets per employee ($millions) | 4.4477% | 3,274 |
| Cash dividends to net income (ytd only)* | 38.0097% | 2,948 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8891% | 4,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 3,942 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 58.6725% | 3,953 |
| Net loans and leases to deposits | 72.3309% | 3,671 |
| Net loans and leases to core deposits | 81.4109% | 3,295 |
| Total domestic deposits to total assets | 81.1167% | 4,094 |
| Equity capital to assets | 10.9079% | 2,724 |
| Core capital (leverage) ratio | 10.0961% | 3,329 |
| Tier 1 risk-based capital ratio | 13.9194% | 3,405 |
| Total risk-based capital ratio | 14.6496% | 3,595 |
| Memoranda: |
| Average total assets | $289,775,000 | 2,220 |
| Average earning assets | $255,720,000 | 2,315 |
| Average equity | $31,506,400 | 2,252 |
| Average total loans | $170,771,200 | 2,411 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1536% | 2,780 |
| Cost of funding earning assets | 0.4659% | 2,563 |
| Net interest margin | 3.6877% | 2,791 |
| Noninterest income to average assets | 0.4242% | 3,523 |
| Noninterest expense to average assets | 2.4470% | 3,895 |
| Loan and lease loss provision to assets | 0.0369% | 3,374 |
| Net operating income to assets | 0.8166% | 3,458 |
| Return on assets (ROA) | 0.8166% | 3,497 |
| Pretax return on assets | 1.1924% | 2,941 |
| Return on Equity (ROE) | 7.5168% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.4545% | 1,982 |
| Net charge-offs to loans | 0.0031% | 3,632 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 666.1501% | 154 |
| Efficiency ratio | 65.4194% | 3,309 |
| Assets per employee ($millions) | 4.5116% | 3,112 |
| Cash dividends to net income (ytd only)* | 14.1325% | 3,351 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9383% | 4,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 4,094 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 55.2597% | 4,298 |
| Net loans and leases to deposits | 68.6130% | 4,070 |
| Net loans and leases to core deposits | 76.5770% | 3,757 |
| Total domestic deposits to total assets | 80.5382% | 4,197 |
| Equity capital to assets | 10.9723% | 2,890 |
| Core capital (leverage) ratio | 10.2307% | 3,280 |
| Tier 1 risk-based capital ratio | 15.6266% | 2,662 |
| Total risk-based capital ratio | 16.4465% | 2,767 |
| Memoranda: |
| Average total assets | $288,831,250 | 2,242 |
| Average earning assets | $254,712,500 | 2,334 |
| Average equity | $31,378,000 | 2,275 |
| Average total loans | $170,019,500 | 2,435 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1798% | 2,548 |
| Cost of funding earning assets | 0.4607% | 2,501 |
| Net interest margin | 3.7191% | 2,584 |
| Noninterest income to average assets | 0.4315% | 3,481 |
| Noninterest expense to average assets | 2.3901% | 4,073 |
| Loan and lease loss provision to assets | 0.0418% | 3,165 |
| Net operating income to assets | 0.8742% | 3,052 |
| Return on assets (ROA) | 0.8742% | 3,104 |
| Pretax return on assets | 1.2751% | 2,481 |
| Return on Equity (ROE) | 8.0741% | 2,984 |
| Retained earnings to average equity (ytd only) | 6.4670% | 1,867 |
| Net charge-offs to loans | 0.0046% | 3,318 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 177 |
| Efficiency ratio | 63.3308% | 3,785 |
| Assets per employee ($millions) | 4.3433% | 3,357 |
| Cash dividends to net income (ytd only)* | 19.9045% | 3,120 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9378% | 4,480 |
| Loan loss allowance to noncurrent loans | 6,060.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 3,970 |
| Noncurrent loans to loans | 0.0155% | 5,111 |
| Net loans and leases to total assets | 56.6890% | 4,157 |
| Net loans and leases to deposits | 69.1092% | 3,978 |
| Net loans and leases to core deposits | 77.6676% | 3,627 |
| Total domestic deposits to total assets | 82.0282% | 3,883 |
| Equity capital to assets | 11.2272% | 2,563 |
| Core capital (leverage) ratio | 10.1626% | 3,321 |
| Tier 1 risk-based capital ratio | 15.6399% | 2,648 |
| Total risk-based capital ratio | 16.4646% | 2,767 |
| Memoranda: |
| Average total assets | $287,356,000 | 2,259 |
| Average earning assets | $253,075,000 | 2,357 |
| Average equity | $31,111,670 | 2,290 |
| Average total loans | $172,163,330 | 2,421 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1583% | 2,438 |
| Cost of funding earning assets | 0.4538% | 2,494 |
| Net interest margin | 3.7045% | 2,476 |
| Noninterest income to average assets | 0.3988% | 3,667 |
| Noninterest expense to average assets | 2.2851% | 4,441 |
| Loan and lease loss provision to assets | 0.0414% | 2,976 |
| Net operating income to assets | 0.8831% | 2,847 |
| Return on assets (ROA) | 0.8831% | 2,898 |
| Pretax return on assets | 1.3275% | 2,146 |
| Return on Equity (ROE) | 8.3064% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.3064% | 1,340 |
| Net charge-offs to loans | 0.0090% | 2,660 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 235 |
| Efficiency ratio | 61.4048% | 4,241 |
| Assets per employee ($millions) | 4.3126% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8838% | 4,819 |
| Loan loss allowance to noncurrent loans | 393.8992% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 3,531 |
| Noncurrent loans to loans | 0.2244% | 4,306 |
| Net loans and leases to total assets | 58.5069% | 3,928 |
| Net loans and leases to deposits | 72.5239% | 3,560 |
| Net loans and leases to core deposits | 82.3843% | 3,056 |
| Total domestic deposits to total assets | 80.6727% | 4,485 |
| Equity capital to assets | 10.9583% | 2,676 |
| Core capital (leverage) ratio | 9.9626% | 3,551 |
| Tier 1 risk-based capital ratio | 14.8581% | 3,043 |
| Total risk-based capital ratio | 15.6394% | 3,188 |
| Memoranda: |
| Average total assets | $289,877,000 | 2,259 |
| Average earning assets | $254,720,000 | 2,359 |
| Average equity | $30,819,500 | 2,309 |
| Average total loans | $177,467,000 | 2,384 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2335% | 2,376 |
| Cost of funding earning assets | 0.4606% | 2,439 |
| Net interest margin | 3.7729% | 2,415 |
| Noninterest income to average assets | 0.5334% | 3,014 |
| Noninterest expense to average assets | 3.0668% | 2,124 |
| Loan and lease loss provision to assets | 0.0237% | 3,889 |
| Net operating income to assets | 0.6013% | 4,201 |
| Return on assets (ROA) | 0.6241% | 4,226 |
| Pretax return on assets | 0.8394% | 4,050 |
| Return on Equity (ROE) | 6.0991% | 3,926 |
| Retained earnings to average equity (ytd only) | -15.5552% | 5,839 |
| Net charge-offs to loans | 0.0234% | 3,580 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 58.5476% | 912 |
| Efficiency ratio | 78.1076% | 1,680 |
| Assets per employee ($millions) | 4.7637% | 2,701 |
| Cash dividends to net income (ytd only)* | 355.0434% | 29 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7795% | 5,161 |
| Loan loss allowance to noncurrent loans | 267.7064% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 3,441 |
| Noncurrent loans to loans | 0.2912% | 4,107 |
| Net loans and leases to total assets | 62.8806% | 3,490 |
| Net loans and leases to deposits | 77.0379% | 3,201 |
| Net loans and leases to core deposits | 88.1467% | 2,654 |
| Total domestic deposits to total assets | 81.6229% | 4,169 |
| Equity capital to assets | 10.3080% | 3,376 |
| Core capital (leverage) ratio | 9.4928% | 4,095 |
| Tier 1 risk-based capital ratio | 13.1702% | 3,964 |
| Total risk-based capital ratio | 13.8657% | 4,206 |
| Memoranda: |
| Average total assets | $295,453,200 | 2,190 |
| Average earning assets | $263,564,200 | 2,257 |
| Average equity | $30,234,200 | 2,333 |
| Average total loans | $179,842,400 | 2,314 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6689% | 4,350 |
| Cost of funding earning assets | 0.4432% | 2,612 |
| Net interest margin | 3.2257% | 4,410 |
| Noninterest income to average assets | 0.5019% | 3,232 |
| Noninterest expense to average assets | 2.6510% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6243% | 4,188 |
| Return on assets (ROA) | 0.6243% | 4,313 |
| Pretax return on assets | 0.8404% | 4,187 |
| Return on Equity (ROE) | 6.8709% | 3,627 |
| Retained earnings to average equity (ytd only) | -11.9338% | 5,866 |
| Net charge-offs to loans | 0.0653% | 2,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 24.3566% | 1,675 |
| Efficiency ratio | 75.8588% | 1,995 |
| Assets per employee ($millions) | 3.6676% | 4,543 |
| Cash dividends to net income (ytd only)* | 273.6833% | 53 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4990% | 1,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 56.5589% | 4,245 |
| Net loans and leases to deposits | 67.6766% | 4,183 |
| Net loans and leases to core deposits | 77.6790% | 3,692 |
| Total domestic deposits to total assets | 83.5724% | 3,369 |
| Equity capital to assets | 8.7665% | 5,347 |
| Core capital (leverage) ratio | 8.6999% | 5,151 |
| Tier 1 risk-based capital ratio | 13.8071% | 3,664 |
| Total risk-based capital ratio | 15.0589% | 3,590 |
| Memoranda: |
| Average total assets | $162,301,500 | 3,390 |
| Average earning assets | $150,412,250 | 3,380 |
| Average equity | $14,747,750 | 3,872 |
| Average total loans | $85,818,250 | 3,685 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5686% | 4,686 |
| Cost of funding earning assets | 0.4467% | 2,599 |
| Net interest margin | 3.1218% | 4,773 |
| Noninterest income to average assets | 0.4760% | 3,365 |
| Noninterest expense to average assets | 2.6136% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5719% | 4,390 |
| Return on assets (ROA) | 0.5719% | 4,517 |
| Pretax return on assets | 0.7589% | 4,424 |
| Return on Equity (ROE) | 6.2216% | 3,953 |
| Retained earnings to average equity (ytd only) | -21.6082% | 5,976 |
| Net charge-offs to loans | 0.1053% | 1,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.0227% | 2,083 |
| Efficiency ratio | 77.4982% | 1,860 |
| Assets per employee ($millions) | 3.7820% | 4,300 |
| Cash dividends to net income (ytd only)* | 447.3118% | 31 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6048% | 1,511 |
| Loan loss allowance to noncurrent loans | 1,109.6000% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 3,775 |
| Noncurrent loans to loans | 0.1446% | 4,856 |
| Net loans and leases to total assets | 53.5374% | 4,550 |
| Net loans and leases to deposits | 64.2454% | 4,478 |
| Net loans and leases to core deposits | 73.5388% | 4,026 |
| Total domestic deposits to total assets | 83.3327% | 3,531 |
| Equity capital to assets | 8.7847% | 5,414 |
| Core capital (leverage) ratio | 8.2578% | 5,567 |
| Tier 1 risk-based capital ratio | 14.4147% | 3,371 |
| Total risk-based capital ratio | 15.6676% | 3,299 |
| Memoranda: |
| Average total assets | $162,610,330 | 3,407 |
| Average earning assets | $150,873,330 | 3,395 |
| Average equity | $14,948,000 | 3,863 |
| Average total loans | $83,537,330 | 3,764 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4440% | 5,017 |
| Cost of funding earning assets | 0.4501% | 2,583 |
| Net interest margin | 2.9939% | 5,132 |
| Noninterest income to average assets | 0.4693% | 3,346 |
| Noninterest expense to average assets | 2.6092% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4961% | 4,643 |
| Return on assets (ROA) | 0.4961% | 4,740 |
| Pretax return on assets | 0.6420% | 4,697 |
| Return on Equity (ROE) | 5.2833% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.2833% | 2,772 |
| Net charge-offs to loans | 0.2193% | 927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.8667% | 2,288 |
| Efficiency ratio | 80.1795% | 1,584 |
| Assets per employee ($millions) | 3.8411% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6732% | 1,420 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 3,924 |
| Noncurrent loans to loans | 0.1521% | 4,868 |
| Net loans and leases to total assets | 49.3137% | 4,860 |
| Net loans and leases to deposits | 59.4088% | 4,760 |
| Net loans and leases to core deposits | 69.0875% | 4,311 |
| Total domestic deposits to total assets | 83.0075% | 3,892 |
| Equity capital to assets | 9.4577% | 4,709 |
| Core capital (leverage) ratio | 9.3997% | 4,348 |
| Tier 1 risk-based capital ratio | 16.3706% | 2,531 |
| Total risk-based capital ratio | 17.6227% | 2,484 |
| Memoranda: |
| Average total assets | $164,493,500 | 3,392 |
| Average earning assets | $152,845,000 | 3,377 |
| Average equity | $15,445,000 | 3,821 |
| Average total loans | $82,092,000 | 3,800 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4181% | 5,118 |
| Cost of funding earning assets | 0.4324% | 2,824 |
| Net interest margin | 2.9857% | 5,175 |
| Noninterest income to average assets | 0.5354% | 3,106 |
| Noninterest expense to average assets | 2.4960% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5867% | 4,347 |
| Return on assets (ROA) | 0.5907% | 4,417 |
| Pretax return on assets | 0.8136% | 4,145 |
| Return on Equity (ROE) | 6.3146% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.0326% | 3,895 |
| Net charge-offs to loans | -0.0270% | 5,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4692% | 2,359 |
| Assets per employee ($millions) | 4.0955% | 3,767 |
| Cash dividends to net income (ytd only)* | 51.9751% | 2,192 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7591% | 1,220 |
| Loan loss allowance to noncurrent loans | 219.1424% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 3,555 |
| Noncurrent loans to loans | 0.8027% | 2,781 |
| Net loans and leases to total assets | 48.7834% | 4,956 |
| Net loans and leases to deposits | 58.6495% | 4,874 |
| Net loans and leases to core deposits | 67.6540% | 4,470 |
| Total domestic deposits to total assets | 83.1779% | 3,783 |
| Equity capital to assets | 9.3206% | 4,766 |
| Core capital (leverage) ratio | 9.2361% | 4,570 |
| Tier 1 risk-based capital ratio | 16.8253% | 2,352 |
| Total risk-based capital ratio | 18.0784% | 2,299 |
| Memoranda: |
| Average total assets | $162,858,600 | 3,394 |
| Average earning assets | $151,019,800 | 3,389 |
| Average equity | $15,234,600 | 3,799 |
| Average total loans | $77,697,600 | 3,892 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3782% | 5,252 |
| Cost of funding earning assets | 0.4441% | 2,746 |
| Net interest margin | 2.9342% | 5,341 |
| Noninterest income to average assets | 0.5256% | 3,199 |
| Noninterest expense to average assets | 2.4621% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5694% | 4,532 |
| Return on assets (ROA) | 0.5747% | 4,596 |
| Pretax return on assets | 0.7904% | 4,363 |
| Return on Equity (ROE) | 6.1384% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.1384% | 2,159 |
| Net charge-offs to loans | -0.0677% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8717% | 2,264 |
| Assets per employee ($millions) | 3.9005% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8083% | 1,249 |
| Loan loss allowance to noncurrent loans | 455.6604% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 4,956 |
| Noncurrent loans to loans | 0.3969% | 4,192 |
| Net loans and leases to total assets | 49.2002% | 5,000 |
| Net loans and leases to deposits | 60.2366% | 4,838 |
| Net loans and leases to core deposits | 68.8608% | 4,466 |
| Total domestic deposits to total assets | 81.6783% | 4,265 |
| Equity capital to assets | 9.7811% | 4,409 |
| Core capital (leverage) ratio | 9.4992% | 4,302 |
| Tier 1 risk-based capital ratio | 17.6304% | 2,148 |
| Total risk-based capital ratio | 18.8854% | 2,105 |
| Memoranda: |
| Average total assets | $162,618,250 | 3,436 |
| Average earning assets | $150,725,250 | 3,422 |
| Average equity | $15,226,000 | 3,834 |
| Average total loans | $76,785,000 | 3,956 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3461% | 5,354 |
| Cost of funding earning assets | 0.4544% | 2,673 |
| Net interest margin | 2.8916% | 5,460 |
| Noninterest income to average assets | 0.5186% | 3,238 |
| Noninterest expense to average assets | 2.4254% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5667% | 4,491 |
| Return on assets (ROA) | 0.5749% | 4,550 |
| Pretax return on assets | 0.7816% | 4,381 |
| Return on Equity (ROE) | 6.2304% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.2304% | 2,101 |
| Net charge-offs to loans | -0.0951% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8132% | 2,396 |
| Assets per employee ($millions) | 4.3143% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8854% | 1,199 |
| Loan loss allowance to noncurrent loans | 491.8367% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 5,147 |
| Noncurrent loans to loans | 0.3833% | 4,334 |
| Net loans and leases to total assets | 45.8998% | 5,255 |
| Net loans and leases to deposits | 55.4271% | 5,162 |
| Net loans and leases to core deposits | 63.7912% | 4,819 |
| Total domestic deposits to total assets | 82.8112% | 4,026 |
| Equity capital to assets | 9.3325% | 4,855 |
| Core capital (leverage) ratio | 9.2694% | 4,596 |
| Tier 1 risk-based capital ratio | 18.4400% | 1,933 |
| Total risk-based capital ratio | 19.6959% | 1,902 |
| Memoranda: |
| Average total assets | $163,517,670 | 3,441 |
| Average earning assets | $151,402,000 | 3,429 |
| Average equity | $15,087,330 | 3,872 |
| Average total loans | $75,670,000 | 4,008 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2803% | 5,489 |
| Cost of funding earning assets | 0.4550% | 2,721 |
| Net interest margin | 2.8253% | 5,593 |
| Noninterest income to average assets | 0.5536% | 2,930 |
| Noninterest expense to average assets | 2.3686% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5656% | 4,423 |
| Return on assets (ROA) | 0.5830% | 4,454 |
| Pretax return on assets | 0.8255% | 4,148 |
| Return on Equity (ROE) | 6.3547% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.3547% | 2,308 |
| Net charge-offs to loans | -0.0053% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6522% | 2,710 |
| Assets per employee ($millions) | 4.1264% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8576% | 1,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 3,993 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 45.1331% | 5,263 |
| Net loans and leases to deposits | 50.1670% | 5,453 |
| Net loans and leases to core deposits | 54.4260% | 5,347 |
| Total domestic deposits to total assets | 89.9657% | 756 |
| Equity capital to assets | 9.1994% | 5,086 |
| Core capital (leverage) ratio | 9.2139% | 4,692 |
| Tier 1 risk-based capital ratio | 18.5277% | 1,997 |
| Total risk-based capital ratio | 19.7834% | 1,946 |
| Memoranda: |
| Average total assets | $163,304,500 | 3,465 |
| Average earning assets | $151,205,000 | 3,447 |
| Average equity | $14,981,000 | 3,915 |
| Average total loans | $75,157,000 | 4,046 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4260% | 5,474 |
| Cost of funding earning assets | 0.4821% | 2,855 |
| Net interest margin | 2.9439% | 5,559 |
| Noninterest income to average assets | 0.4872% | 3,607 |
| Noninterest expense to average assets | 2.5021% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5135% | 4,761 |
| Return on assets (ROA) | 0.5942% | 4,481 |
| Pretax return on assets | 0.8252% | 4,168 |
| Return on Equity (ROE) | 6.4422% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.7270% | 2,812 |
| Net charge-offs to loans | 0.2102% | 1,985 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.3182% | 3,054 |
| Efficiency ratio | 77.7406% | 2,244 |
| Assets per employee ($millions) | 3.9404% | 4,085 |
| Cash dividends to net income (ytd only)* | 26.6241% | 3,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8949% | 1,328 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 4,004 |
| Noncurrent loans to loans | 0.0403% | 5,712 |
| Net loans and leases to total assets | 45.1859% | 5,391 |
| Net loans and leases to deposits | 53.7326% | 5,350 |
| Net loans and leases to core deposits | 62.6013% | 4,952 |
| Total domestic deposits to total assets | 84.0940% | 3,670 |
| Equity capital to assets | 9.1473% | 5,130 |
| Core capital (leverage) ratio | 9.2199% | 4,650 |
| Tier 1 risk-based capital ratio | 18.3315% | 2,040 |
| Total risk-based capital ratio | 19.5878% | 2,002 |
| Memoranda: |
| Average total assets | $158,030,000 | 3,520 |
| Average earning assets | $146,437,800 | 3,503 |
| Average equity | $14,575,800 | 3,919 |
| Average total loans | $73,280,200 | 4,085 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4079% | 5,580 |
| Cost of funding earning assets | 0.4861% | 2,900 |
| Net interest margin | 2.9218% | 5,656 |
| Noninterest income to average assets | 0.4794% | 3,689 |
| Noninterest expense to average assets | 2.5224% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4987% | 4,881 |
| Return on assets (ROA) | 0.5922% | 4,569 |
| Pretax return on assets | 0.7967% | 4,376 |
| Return on Equity (ROE) | 6.4070% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.4070% | 2,163 |
| Net charge-offs to loans | 0.2813% | 1,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.1298% | 3,318 |
| Efficiency ratio | 78.9264% | 2,063 |
| Assets per employee ($millions) | 3.8150% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9550% | 1,339 |
| Loan loss allowance to noncurrent loans | 2,274.1935% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 4,099 |
| Noncurrent loans to loans | 0.0860% | 5,687 |
| Net loans and leases to total assets | 45.2073% | 5,436 |
| Net loans and leases to deposits | 53.4212% | 5,428 |
| Net loans and leases to core deposits | 63.5885% | 4,916 |
| Total domestic deposits to total assets | 84.6242% | 3,489 |
| Equity capital to assets | 9.5068% | 4,788 |
| Core capital (leverage) ratio | 9.3484% | 4,572 |
| Tier 1 risk-based capital ratio | 19.2174% | 1,851 |
| Total risk-based capital ratio | 20.4740% | 1,820 |
| Memoranda: |
| Average total assets | $157,148,750 | 3,561 |
| Average earning assets | $145,933,750 | 3,540 |
| Average equity | $14,525,250 | 3,948 |
| Average total loans | $72,997,750 | 4,119 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3790% | 5,664 |
| Cost of funding earning assets | 0.4837% | 2,989 |
| Net interest margin | 2.8953% | 5,743 |
| Noninterest income to average assets | 0.4905% | 3,548 |
| Noninterest expense to average assets | 2.5376% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4816% | 4,888 |
| Return on assets (ROA) | 0.5972% | 4,462 |
| Pretax return on assets | 0.8018% | 4,257 |
| Return on Equity (ROE) | 6.5231% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.5231% | 2,021 |
| Net charge-offs to loans | 0.3002% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.6182% | 3,073 |
| Efficiency ratio | 79.6407% | 2,072 |
| Assets per employee ($millions) | 3.9145% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9842% | 1,390 |
| Loan loss allowance to noncurrent loans | 497.6027% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 3,862 |
| Noncurrent loans to loans | 0.3988% | 4,791 |
| Net loans and leases to total assets | 45.8395% | 5,376 |
| Net loans and leases to deposits | 53.7367% | 5,379 |
| Net loans and leases to core deposits | 63.3361% | 4,877 |
| Total domestic deposits to total assets | 85.3039% | 3,359 |
| Equity capital to assets | 9.3678% | 4,881 |
| Core capital (leverage) ratio | 9.0704% | 4,908 |
| Tier 1 risk-based capital ratio | 18.6293% | 2,028 |
| Total risk-based capital ratio | 19.8870% | 1,983 |
| Memoranda: |
| Average total assets | $157,393,330 | 3,573 |
| Average earning assets | $146,375,000 | 3,555 |
| Average equity | $14,410,330 | 3,961 |
| Average total loans | $73,290,000 | 4,127 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3618% | 5,726 |
| Cost of funding earning assets | 0.4822% | 3,091 |
| Net interest margin | 2.8796% | 5,793 |
| Noninterest income to average assets | 0.4994% | 3,414 |
| Noninterest expense to average assets | 2.5374% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4695% | 4,842 |
| Return on assets (ROA) | 0.6971% | 3,780 |
| Pretax return on assets | 0.9531% | 3,497 |
| Return on Equity (ROE) | 7.7023% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.7023% | 1,723 |
| Net charge-offs to loans | 0.0546% | 2,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.3000% | 1,161 |
| Efficiency ratio | 79.7448% | 2,245 |
| Assets per employee ($millions) | 4.2344% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1229% | 1,285 |
| Loan loss allowance to noncurrent loans | 319.7531% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 3,739 |
| Noncurrent loans to loans | 0.6639% | 4,205 |
| Net loans and leases to total assets | 44.5264% | 5,462 |
| Net loans and leases to deposits | 52.7825% | 5,403 |
| Net loans and leases to core deposits | 53.1826% | 5,555 |
| Total domestic deposits to total assets | 84.3582% | 4,140 |
| Equity capital to assets | 8.9529% | 5,163 |
| Core capital (leverage) ratio | 9.0336% | 4,960 |
| Tier 1 risk-based capital ratio | 18.1603% | 2,226 |
| Total risk-based capital ratio | 19.4196% | 2,196 |
| Memoranda: |
| Average total assets | $157,800,500 | 3,592 |
| Average earning assets | $146,826,500 | 3,569 |
| Average equity | $14,281,500 | 3,991 |
| Average total loans | $73,321,000 | 4,158 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6308% | 5,330 |
| Cost of funding earning assets | 0.5218% | 3,379 |
| Net interest margin | 3.1090% | 5,283 |
| Noninterest income to average assets | 0.6288% | 2,923 |
| Noninterest expense to average assets | 2.6971% | 4,108 |
| Loan and lease loss provision to assets | 0.0847% | 3,418 |
| Net operating income to assets | 0.5567% | 4,473 |
| Return on assets (ROA) | 0.5572% | 4,598 |
| Pretax return on assets | 0.7207% | 4,459 |
| Return on Equity (ROE) | 6.0928% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.3113% | 3,109 |
| Net charge-offs to loans | 0.1318% | 3,488 |
| Credit loss provision to net charge-offs | 136.8421% | 1,711 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,074 |
| Efficiency ratio | 76.9445% | 2,625 |
| Assets per employee ($millions) | 3.9665% | 3,929 |
| Cash dividends to net income (ytd only)* | 29.2398% | 3,316 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1296% | 1,286 |
| Loan loss allowance to noncurrent loans | 840.8602% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 3,849 |
| Noncurrent loans to loans | 0.2533% | 5,420 |
| Net loans and leases to total assets | 46.4646% | 5,451 |
| Net loans and leases to deposits | 55.2169% | 5,375 |
| Net loans and leases to core deposits | 65.7335% | 4,718 |
| Total domestic deposits to total assets | 84.1491% | 4,107 |
| Equity capital to assets | 9.1517% | 4,867 |
| Core capital (leverage) ratio | 9.0485% | 4,932 |
| Tier 1 risk-based capital ratio | 18.0356% | 2,239 |
| Total risk-based capital ratio | 19.2954% | 2,198 |
| Memoranda: |
| Average total assets | $153,458,600 | 3,648 |
| Average earning assets | $141,815,000 | 3,637 |
| Average equity | $14,033,000 | 4,064 |
| Average total loans | $72,072,600 | 4,191 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6397% | 5,331 |
| Cost of funding earning assets | 0.5264% | 3,505 |
| Net interest margin | 3.1133% | 5,282 |
| Noninterest income to average assets | 0.6904% | 2,661 |
| Noninterest expense to average assets | 2.7528% | 3,821 |
| Loan and lease loss provision to assets | 0.1132% | 2,879 |
| Net operating income to assets | 0.5417% | 4,614 |
| Return on assets (ROA) | 0.5424% | 4,753 |
| Pretax return on assets | 0.7034% | 4,677 |
| Return on Equity (ROE) | 5.9324% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.9324% | 2,454 |
| Net charge-offs to loans | 0.0836% | 3,756 |
| Credit loss provision to net charge-offs | 288.8889% | 881 |
| Earnings coverage of net charge-offs (x) | 20.8217% | 1,572 |
| Efficiency ratio | 77.0676% | 2,555 |
| Assets per employee ($millions) | 3.9863% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2304% | 1,286 |
| Loan loss allowance to noncurrent loans | 381.3239% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8292% | 4,037 |
| Noncurrent loans to loans | 0.5849% | 4,740 |
| Net loans and leases to total assets | 46.6781% | 5,473 |
| Net loans and leases to deposits | 56.2448% | 5,354 |
| Net loans and leases to core deposits | 66.1475% | 4,700 |
| Total domestic deposits to total assets | 82.9909% | 4,576 |
| Equity capital to assets | 9.3439% | 4,750 |
| Core capital (leverage) ratio | 9.2225% | 4,803 |
| Tier 1 risk-based capital ratio | 18.2470% | 2,230 |
| Total risk-based capital ratio | 19.5071% | 2,190 |
| Memoranda: |
| Average total assets | $153,150,250 | 3,688 |
| Average earning assets | $141,583,500 | 3,679 |
| Average equity | $14,002,000 | 4,113 |
| Average total loans | $71,730,500 | 4,236 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5931% | 5,455 |
| Cost of funding earning assets | 0.5272% | 3,635 |
| Net interest margin | 3.0659% | 5,376 |
| Noninterest income to average assets | 0.7469% | 2,430 |
| Noninterest expense to average assets | 2.7064% | 4,003 |
| Loan and lease loss provision to assets | 0.1561% | 2,364 |
| Net operating income to assets | 0.5559% | 4,522 |
| Return on assets (ROA) | 0.5569% | 4,690 |
| Pretax return on assets | 0.7156% | 4,632 |
| Return on Equity (ROE) | 6.1356% | 4,086 |
| Retained earnings to average equity (ytd only) | 6.1356% | 2,351 |
| Net charge-offs to loans | 0.1258% | 3,117 |
| Credit loss provision to net charge-offs | 266.6667% | 945 |
| Earnings coverage of net charge-offs (x) | 14.8667% | 1,789 |
| Efficiency ratio | 75.5911% | 2,843 |
| Assets per employee ($millions) | 3.5624% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2223% | 1,378 |
| Loan loss allowance to noncurrent loans | 374.7664% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 3,936 |
| Noncurrent loans to loans | 0.5930% | 4,773 |
| Net loans and leases to total assets | 46.0713% | 5,523 |
| Net loans and leases to deposits | 54.9724% | 5,436 |
| Net loans and leases to core deposits | 65.3938% | 4,751 |
| Total domestic deposits to total assets | 83.8081% | 4,401 |
| Equity capital to assets | 9.0213% | 5,197 |
| Core capital (leverage) ratio | 8.8122% | 5,274 |
| Tier 1 risk-based capital ratio | 18.0182% | 2,312 |
| Total risk-based capital ratio | 19.2787% | 2,273 |
| Memoranda: |
| Average total assets | $153,707,670 | 3,709 |
| Average earning assets | $141,883,330 | 3,697 |
| Average equity | $13,951,330 | 4,158 |
| Average total loans | $71,534,000 | 4,253 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5225% | 5,653 |
| Cost of funding earning assets | 0.5261% | 3,828 |
| Net interest margin | 2.9963% | 5,581 |
| Noninterest income to average assets | 0.9197% | 1,690 |
| Noninterest expense to average assets | 2.7512% | 3,866 |
| Loan and lease loss provision to assets | 0.1948% | 1,902 |
| Net operating income to assets | 0.5644% | 4,387 |
| Return on assets (ROA) | 0.5663% | 4,529 |
| Pretax return on assets | 0.7430% | 4,401 |
| Return on Equity (ROE) | 6.2208% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.2208% | 2,554 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5595% | 3,166 |
| Assets per employee ($millions) | 3.6787% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2565% | 1,474 |
| Loan loss allowance to noncurrent loans | 247.9134% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 1.1689% | 3,614 |
| Noncurrent loans to loans | 0.9102% | 4,317 |
| Net loans and leases to total assets | 43.9239% | 5,671 |
| Net loans and leases to deposits | 52.0297% | 5,615 |
| Net loans and leases to core deposits | 59.5182% | 5,192 |
| Total domestic deposits to total assets | 84.4208% | 4,305 |
| Equity capital to assets | 8.9130% | 5,598 |
| Core capital (leverage) ratio | 8.7284% | 5,287 |
| Tier 1 risk-based capital ratio | 17.5988% | 2,519 |
| Total risk-based capital ratio | 18.8593% | 2,482 |
| Memoranda: |
| Average total assets | $153,970,500 | 3,743 |
| Average earning assets | $142,173,500 | 3,726 |
| Average equity | $14,017,500 | 4,195 |
| Average total loans | $71,212,500 | 4,301 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9999% | 5,306 |
| Cost of funding earning assets | 0.6481% | 3,927 |
| Net interest margin | 3.3519% | 5,063 |
| Noninterest income to average assets | 0.6262% | 3,133 |
| Noninterest expense to average assets | 2.7806% | 4,101 |
| Loan and lease loss provision to assets | 0.1955% | 3,188 |
| Net operating income to assets | 0.5398% | 4,518 |
| Return on assets (ROA) | 0.7110% | 3,948 |
| Pretax return on assets | 0.9553% | 3,722 |
| Return on Equity (ROE) | 7.6742% | 3,248 |
| Retained earnings to average equity (ytd only) | 0.6542% | 5,535 |
| Net charge-offs to loans | 0.1700% | 4,016 |
| Credit loss provision to net charge-offs | 240.0000% | 1,035 |
| Earnings coverage of net charge-offs (x) | 11.2880% | 2,053 |
| Efficiency ratio | 75.0793% | 2,897 |
| Assets per employee ($millions) | 3.5656% | 4,860 |
| Cash dividends to net income (ytd only)* | 91.4757% | 671 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1433% | 1,661 |
| Loan loss allowance to noncurrent loans | 345.9276% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 3,501 |
| Noncurrent loans to loans | 0.6196% | 4,964 |
| Net loans and leases to total assets | 46.6165% | 5,559 |
| Net loans and leases to deposits | 53.8898% | 5,663 |
| Net loans and leases to core deposits | 61.3842% | 5,222 |
| Total domestic deposits to total assets | 86.5034% | 3,094 |
| Equity capital to assets | 9.3058% | 5,147 |
| Core capital (leverage) ratio | 8.9743% | 4,936 |
| Tier 1 risk-based capital ratio | 17.7692% | 2,353 |
| Total risk-based capital ratio | 19.0283% | 2,314 |
| Memoranda: |
| Average total assets | $153,454,600 | 3,720 |
| Average earning assets | $140,728,000 | 3,714 |
| Average equity | $14,216,400 | 4,118 |
| Average total loans | $73,539,800 | 4,222 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0203% | 5,458 |
| Cost of funding earning assets | 0.6765% | 3,965 |
| Net interest margin | 3.3438% | 5,233 |
| Noninterest income to average assets | 0.6382% | 3,057 |
| Noninterest expense to average assets | 2.7671% | 4,101 |
| Loan and lease loss provision to assets | 0.1943% | 3,149 |
| Net operating income to assets | 0.5656% | 4,543 |
| Return on assets (ROA) | 0.6719% | 4,304 |
| Pretax return on assets | 0.8818% | 4,186 |
| Return on Equity (ROE) | 7.2608% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.9463% | 3,402 |
| Net charge-offs to loans | -0.0450% | 6,680 |
| Credit loss provision to net charge-offs | -900.0000% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6502% | 2,880 |
| Assets per employee ($millions) | 3.4729% | 5,029 |
| Cash dividends to net income (ytd only)* | 31.8767% | 2,540 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1201% | 1,865 |
| Loan loss allowance to noncurrent loans | 512.4601% | 749 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 3,763 |
| Noncurrent loans to loans | 0.4137% | 5,625 |
| Net loans and leases to total assets | 50.7682% | 5,218 |
| Net loans and leases to deposits | 58.7630% | 5,345 |
| Net loans and leases to core deposits | 66.4692% | 4,905 |
| Total domestic deposits to total assets | 86.3948% | 3,039 |
| Equity capital to assets | 9.9943% | 4,500 |
| Core capital (leverage) ratio | 9.2178% | 4,730 |
| Tier 1 risk-based capital ratio | 17.6041% | 2,495 |
| Total risk-based capital ratio | 18.8631% | 2,463 |
| Memoranda: |
| Average total assets | $154,379,250 | 3,749 |
| Average earning assets | $141,512,500 | 3,744 |
| Average equity | $14,286,500 | 4,146 |
| Average total loans | $74,089,750 | 4,256 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9190% | 5,868 |
| Cost of funding earning assets | 0.6945% | 4,059 |
| Net interest margin | 3.2245% | 5,662 |
| Noninterest income to average assets | 0.6704% | 2,829 |
| Noninterest expense to average assets | 2.7033% | 4,406 |
| Loan and lease loss provision to assets | 0.1908% | 3,188 |
| Net operating income to assets | 0.5692% | 4,501 |
| Return on assets (ROA) | 0.7289% | 3,983 |
| Pretax return on assets | 0.9401% | 3,924 |
| Return on Equity (ROE) | 8.0765% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.5809% | 3,558 |
| Net charge-offs to loans | -0.0680% | 6,750 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4129% | 3,007 |
| Assets per employee ($millions) | 3.6797% | 4,563 |
| Cash dividends to net income (ytd only)* | 43.2810% | 2,025 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0123% | 2,196 |
| Loan loss allowance to noncurrent loans | 134.2406% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2566% | 3,910 |
| Noncurrent loans to loans | 1.4990% | 3,655 |
| Net loans and leases to total assets | 48.1759% | 5,595 |
| Net loans and leases to deposits | 57.5619% | 5,499 |
| Net loans and leases to core deposits | 64.3804% | 5,166 |
| Total domestic deposits to total assets | 83.6942% | 4,441 |
| Equity capital to assets | 9.2503% | 5,395 |
| Core capital (leverage) ratio | 8.6978% | 5,387 |
| Tier 1 risk-based capital ratio | 17.0023% | 2,659 |
| Total risk-based capital ratio | 18.2602% | 2,624 |
| Memoranda: |
| Average total assets | $157,218,000 | 3,713 |
| Average earning assets | $144,271,000 | 3,710 |
| Average equity | $14,189,330 | 4,164 |
| Average total loans | $73,567,670 | 4,294 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8815% | 6,064 |
| Cost of funding earning assets | 0.7228% | 4,090 |
| Net interest margin | 3.1587% | 5,883 |
| Noninterest income to average assets | 0.5979% | 3,245 |
| Noninterest expense to average assets | 2.6969% | 4,435 |
| Loan and lease loss provision to assets | 0.1892% | 3,066 |
| Net operating income to assets | 0.5096% | 4,787 |
| Return on assets (ROA) | 0.5096% | 4,999 |
| Pretax return on assets | 0.6004% | 5,121 |
| Return on Equity (ROE) | 5.7159% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.7159% | 3,140 |
| Net charge-offs to loans | -0.0111% | 5,975 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2793% | 2,605 |
| Assets per employee ($millions) | 3.6735% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9829% | 2,412 |
| Loan loss allowance to noncurrent loans | 126.9982% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.5251% | 3,569 |
| Noncurrent loans to loans | 1.5614% | 3,770 |
| Net loans and leases to total assets | 44.7490% | 5,923 |
| Net loans and leases to deposits | 53.7483% | 5,831 |
| Net loans and leases to core deposits | 59.6577% | 5,563 |
| Total domestic deposits to total assets | 83.2566% | 4,828 |
| Equity capital to assets | 8.9984% | 5,492 |
| Core capital (leverage) ratio | 8.6842% | 5,322 |
| Tier 1 risk-based capital ratio | 17.2244% | 2,591 |
| Total risk-based capital ratio | 18.4810% | 2,558 |
| Memoranda: |
| Average total assets | $158,554,000 | 3,710 |
| Average earning assets | $144,996,500 | 3,716 |
| Average equity | $14,136,000 | 4,178 |
| Average total loans | $72,360,000 | 4,368 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5997% | 4,682 |
| Cost of funding earning assets | 0.8364% | 4,571 |
| Net interest margin | 3.7633% | 4,015 |
| Noninterest income to average assets | 0.6132% | 3,097 |
| Noninterest expense to average assets | 2.9640% | 3,726 |
| Loan and lease loss provision to assets | 0.2110% | 4,076 |
| Net operating income to assets | 0.6891% | 3,543 |
| Return on assets (ROA) | 0.6891% | 3,724 |
| Pretax return on assets | 0.8677% | 3,719 |
| Return on Equity (ROE) | 7.4026% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.4026% | 1,313 |
| Net charge-offs to loans | 0.3575% | 3,617 |
| Credit loss provision to net charge-offs | 114.5038% | 2,853 |
| Earnings coverage of net charge-offs (x) | 5.8550% | 2,663 |
| Efficiency ratio | 73.2475% | 3,351 |
| Assets per employee ($millions) | 3.7892% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8635% | 2,671 |
| Loan loss allowance to noncurrent loans | 22,550.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 4,853 |
| Noncurrent loans to loans | 0.0083% | 6,838 |
| Net loans and leases to total assets | 44.7706% | 6,138 |
| Net loans and leases to deposits | 55.6923% | 5,916 |
| Net loans and leases to core deposits | 62.5124% | 5,593 |
| Total domestic deposits to total assets | 80.3892% | 5,628 |
| Equity capital to assets | 8.8333% | 5,755 |
| Core capital (leverage) ratio | 8.8152% | 5,072 |
| Tier 1 risk-based capital ratio | 16.7695% | 2,706 |
| Total risk-based capital ratio | 17.9000% | 2,716 |
| Memoranda: |
| Average total assets | $142,207,600 | 3,935 |
| Average earning assets | $129,595,400 | 3,938 |
| Average equity | $13,238,600 | 4,294 |
| Average total loans | $73,287,400 | 4,369 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7564% | 4,202 |
| Cost of funding earning assets | 0.8528% | 4,750 |
| Net interest margin | 3.9037% | 3,370 |
| Noninterest income to average assets | 0.5769% | 3,324 |
| Noninterest expense to average assets | 3.0421% | 3,389 |
| Loan and lease loss provision to assets | 0.2174% | 3,843 |
| Net operating income to assets | 0.7016% | 3,615 |
| Return on assets (ROA) | 0.7016% | 3,779 |
| Pretax return on assets | 0.8784% | 3,848 |
| Return on Equity (ROE) | 7.4267% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.4267% | 1,753 |
| Net charge-offs to loans | 0.0327% | 5,690 |
| Credit loss provision to net charge-offs | 1,250.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 62.9983% | 524 |
| Efficiency ratio | 73.4470% | 3,288 |
| Assets per employee ($millions) | 3.4357% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0634% | 2,166 |
| Loan loss allowance to noncurrent loans | 578.7072% | 580 |
| Noncurrent assets plus other real estate owned to assets | 1.3978% | 4,031 |
| Noncurrent loans to loans | 0.3566% | 6,138 |
| Net loans and leases to total assets | 50.0627% | 5,693 |
| Net loans and leases to deposits | 58.7671% | 5,769 |
| Net loans and leases to core deposits | 66.6870% | 5,344 |
| Total domestic deposits to total assets | 85.1884% | 3,686 |
| Equity capital to assets | 9.5420% | 5,016 |
| Core capital (leverage) ratio | 9.2229% | 4,585 |
| Tier 1 risk-based capital ratio | 16.8217% | 2,709 |
| Total risk-based capital ratio | 18.0802% | 2,679 |
| Memoranda: |
| Average total assets | $137,972,750 | 4,036 |
| Average earning assets | $125,861,250 | 4,041 |
| Average equity | $13,033,750 | 4,342 |
| Average total loans | $73,458,250 | 4,403 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8569% | 3,835 |
| Cost of funding earning assets | 0.8668% | 4,931 |
| Net interest margin | 3.9900% | 2,888 |
| Noninterest income to average assets | 0.4843% | 3,987 |
| Noninterest expense to average assets | 3.0383% | 3,490 |
| Loan and lease loss provision to assets | 0.2208% | 3,710 |
| Net operating income to assets | 0.6889% | 3,601 |
| Return on assets (ROA) | 0.6889% | 3,719 |
| Pretax return on assets | 0.8773% | 3,728 |
| Return on Equity (ROE) | 7.3190% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.3190% | 1,731 |
| Net charge-offs to loans | 0.0491% | 5,166 |
| Credit loss provision to net charge-offs | 833.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 41.4444% | 726 |
| Efficiency ratio | 73.3808% | 3,488 |
| Assets per employee ($millions) | 3.3435% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9625% | 2,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 4,031 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 52.7304% | 5,470 |
| Net loans and leases to deposits | 62.0238% | 5,501 |
| Net loans and leases to core deposits | 68.2810% | 5,265 |
| Total domestic deposits to total assets | 85.0165% | 3,871 |
| Equity capital to assets | 9.6853% | 4,560 |
| Core capital (leverage) ratio | 9.1712% | 4,456 |
| Tier 1 risk-based capital ratio | 16.7470% | 2,632 |
| Total risk-based capital ratio | 18.0045% | 2,583 |
| Memoranda: |
| Average total assets | $135,864,000 | 4,112 |
| Average earning assets | $124,360,330 | 4,112 |
| Average equity | $12,788,670 | 4,388 |
| Average total loans | $73,357,000 | 4,450 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5696% | 5,082 |
| Cost of funding earning assets | 0.8654% | 5,168 |
| Net interest margin | 3.7042% | 4,077 |
| Noninterest income to average assets | 0.4939% | 3,940 |
| Noninterest expense to average assets | 3.0964% | 3,258 |
| Loan and lease loss provision to assets | 0.2218% | 3,441 |
| Net operating income to assets | 0.5235% | 4,388 |
| Return on assets (ROA) | 0.5235% | 4,473 |
| Pretax return on assets | 0.6063% | 4,660 |
| Return on Equity (ROE) | 5.6439% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.6439% | 2,827 |
| Net charge-offs to loans | 0.0055% | 5,052 |
| Credit loss provision to net charge-offs | 7,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 106 |
| Efficiency ratio | 78.8244% | 2,713 |
| Assets per employee ($millions) | 3.4436% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8852% | 2,741 |
| Loan loss allowance to noncurrent loans | 103.2714% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5638% | 3,905 |
| Noncurrent loans to loans | 1.8255% | 3,798 |
| Net loans and leases to total assets | 52.4810% | 5,516 |
| Net loans and leases to deposits | 61.9983% | 5,494 |
| Net loans and leases to core deposits | 68.2432% | 5,264 |
| Total domestic deposits to total assets | 84.6492% | 4,207 |
| Equity capital to assets | 9.2323% | 4,834 |
| Core capital (leverage) ratio | 9.2154% | 4,264 |
| Tier 1 risk-based capital ratio | 15.8149% | 2,990 |
| Total risk-based capital ratio | 17.0715% | 2,955 |
| Memoranda: |
| Average total assets | $135,254,000 | 4,149 |
| Average earning assets | $125,263,000 | 4,118 |
| Average equity | $12,544,500 | 4,431 |
| Average total loans | $73,169,500 | 4,503 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0099% | 4,510 |
| Cost of funding earning assets | 1.1241% | 5,004 |
| Net interest margin | 3.8858% | 3,557 |
| Noninterest income to average assets | 0.4990% | 4,177 |
| Noninterest expense to average assets | 3.1283% | 3,353 |
| Loan and lease loss provision to assets | 0.2300% | 4,984 |
| Net operating income to assets | 0.5649% | 3,826 |
| Return on assets (ROA) | 0.7550% | 3,101 |
| Pretax return on assets | 0.9398% | 3,134 |
| Return on Equity (ROE) | 8.0995% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.0995% | 953 |
| Net charge-offs to loans | -0.0304% | 7,400 |
| Credit loss provision to net charge-offs | -1,363.6364% | 7,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9681% | 2,880 |
| Assets per employee ($millions) | 3.3191% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8098% | 2,832 |
| Loan loss allowance to noncurrent loans | 96.9764% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 3,861 |
| Noncurrent loans to loans | 1.8662% | 3,730 |
| Net loans and leases to total assets | 53.7386% | 5,667 |
| Net loans and leases to deposits | 63.6180% | 5,668 |
| Net loans and leases to core deposits | 68.8811% | 5,568 |
| Total domestic deposits to total assets | 84.4708% | 4,133 |
| Equity capital to assets | 9.3189% | 4,664 |
| Core capital (leverage) ratio | 9.2433% | 4,102 |
| Tier 1 risk-based capital ratio | 15.2386% | 3,135 |
| Total risk-based capital ratio | 16.4927% | 3,080 |
| Memoranda: |
| Average total assets | $130,456,000 | 4,251 |
| Average earning assets | $119,562,600 | 4,241 |
| Average equity | $12,161,200 | 4,567 |
| Average total loans | $72,405,200 | 4,593 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1049% | 4,293 |
| Cost of funding earning assets | 1.1778% | 4,990 |
| Net interest margin | 3.9271% | 3,418 |
| Noninterest income to average assets | 0.4938% | 4,236 |
| Noninterest expense to average assets | 3.1741% | 3,013 |
| Loan and lease loss provision to assets | 0.2310% | 4,762 |
| Net operating income to assets | 0.5420% | 4,123 |
| Return on assets (ROA) | 0.7720% | 3,276 |
| Pretax return on assets | 0.9598% | 3,331 |
| Return on Equity (ROE) | 8.2805% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.2805% | 1,320 |
| Net charge-offs to loans | -0.1327% | 7,583 |
| Credit loss provision to net charge-offs | -312.5000% | 6,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7694% | 2,654 |
| Assets per employee ($millions) | 3.2794% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7314% | 3,056 |
| Loan loss allowance to noncurrent loans | 124.5174% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 4,501 |
| Noncurrent loans to loans | 1.3905% | 4,539 |
| Net loans and leases to total assets | 55.8154% | 5,569 |
| Net loans and leases to deposits | 66.6403% | 5,588 |
| Net loans and leases to core deposits | 71.0824% | 5,628 |
| Total domestic deposits to total assets | 83.7563% | 4,249 |
| Equity capital to assets | 9.6252% | 4,658 |
| Core capital (leverage) ratio | 9.1424% | 4,470 |
| Tier 1 risk-based capital ratio | 13.9396% | 3,887 |
| Total risk-based capital ratio | 15.1946% | 3,839 |
| Memoranda: |
| Average total assets | $129,879,250 | 4,329 |
| Average earning assets | $118,524,000 | 4,320 |
| Average equity | $12,108,500 | 4,645 |
| Average total loans | $72,341,500 | 4,662 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1704% | 4,093 |
| Cost of funding earning assets | 1.2370% | 4,916 |
| Net interest margin | 3.9333% | 3,306 |
| Noninterest income to average assets | 0.4604% | 4,432 |
| Noninterest expense to average assets | 3.1040% | 3,298 |
| Loan and lease loss provision to assets | 0.2318% | 4,599 |
| Net operating income to assets | 0.5881% | 3,922 |
| Return on assets (ROA) | 0.7586% | 3,311 |
| Pretax return on assets | 0.9116% | 3,448 |
| Return on Equity (ROE) | 8.2272% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.2272% | 1,357 |
| Net charge-offs to loans | -0.1787% | 7,632 |
| Credit loss provision to net charge-offs | -234.3750% | 6,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7202% | 2,946 |
| Assets per employee ($millions) | 3.1667% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6442% | 3,276 |
| Loan loss allowance to noncurrent loans | 723.3533% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 5,704 |
| Noncurrent loans to loans | 0.2273% | 6,788 |
| Net loans and leases to total assets | 55.6592% | 5,758 |
| Net loans and leases to deposits | 65.5272% | 5,870 |
| Net loans and leases to core deposits | 70.6255% | 5,812 |
| Total domestic deposits to total assets | 84.9407% | 3,664 |
| Equity capital to assets | 9.4121% | 4,845 |
| Core capital (leverage) ratio | 8.8884% | 4,772 |
| Tier 1 risk-based capital ratio | 13.7098% | 3,933 |
| Total risk-based capital ratio | 14.9622% | 3,895 |
| Memoranda: |
| Average total assets | $129,446,670 | 4,368 |
| Average earning assets | $117,864,330 | 4,369 |
| Average equity | $11,936,000 | 4,695 |
| Average total loans | $71,619,670 | 4,730 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2390% | 3,837 |
| Cost of funding earning assets | 1.2926% | 4,856 |
| Net interest margin | 3.9463% | 3,123 |
| Noninterest income to average assets | 0.4828% | 4,183 |
| Noninterest expense to average assets | 3.1442% | 3,086 |
| Loan and lease loss provision to assets | 0.2321% | 4,184 |
| Net operating income to assets | 0.5601% | 4,079 |
| Return on assets (ROA) | 0.5601% | 4,225 |
| Pretax return on assets | 0.6777% | 4,313 |
| Return on Equity (ROE) | 6.1387% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.1387% | 2,557 |
| Net charge-offs to loans | -0.3791% | 7,777 |
| Credit loss provision to net charge-offs | -111.9403% | 6,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4809% | 2,977 |
| Assets per employee ($millions) | 3.2972% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5809% | 3,525 |
| Loan loss allowance to noncurrent loans | 684.3373% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 5,861 |
| Noncurrent loans to loans | 0.2310% | 6,875 |
| Net loans and leases to total assets | 53.6236% | 6,074 |
| Net loans and leases to deposits | 63.5589% | 6,103 |
| Net loans and leases to core deposits | 67.8962% | 6,112 |
| Total domestic deposits to total assets | 84.3683% | 3,968 |
| Equity capital to assets | 9.0085% | 5,269 |
| Core capital (leverage) ratio | 8.9407% | 4,666 |
| Tier 1 risk-based capital ratio | 13.4110% | 4,040 |
| Total risk-based capital ratio | 14.6620% | 3,996 |
| Memoranda: |
| Average total assets | $129,253,500 | 4,429 |
| Average earning assets | $116,969,500 | 4,449 |
| Average equity | $11,794,000 | 4,768 |
| Average total loans | $70,693,500 | 4,825 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4124% | 4,637 |
| Cost of funding earning assets | 1.7318% | 4,351 |
| Net interest margin | 3.6806% | 4,216 |
| Noninterest income to average assets | 0.5958% | 3,663 |
| Noninterest expense to average assets | 3.0232% | 4,056 |
| Loan and lease loss provision to assets | 0.3565% | 4,664 |
| Net operating income to assets | 0.4294% | 4,008 |
| Return on assets (ROA) | 0.6980% | 3,013 |
| Pretax return on assets | 0.9166% | 2,872 |
| Return on Equity (ROE) | 7.7812% | 2,466 |
| Retained earnings to average equity (ytd only) | 7.7812% | 753 |
| Net charge-offs to loans | 0.6089% | 3,390 |
| Credit loss provision to net charge-offs | 104.1667% | 5,307 |
| Earnings coverage of net charge-offs (x) | 2.6875% | 3,759 |
| Efficiency ratio | 76.5923% | 3,423 |
| Assets per employee ($millions) | 3.1655% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4296% | 4,079 |
| Loan loss allowance to noncurrent loans | 214.2241% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 4,741 |
| Noncurrent loans to loans | 0.6673% | 5,906 |
| Net loans and leases to total assets | 54.1261% | 6,183 |
| Net loans and leases to deposits | 64.1353% | 6,246 |
| Net loans and leases to core deposits | 82.3174% | 5,885 |
| Total domestic deposits to total assets | 84.3936% | 3,847 |
| Equity capital to assets | 9.2457% | 4,778 |
| Core capital (leverage) ratio | 9.0876% | 4,277 |
| Tier 1 risk-based capital ratio | 13.7979% | 3,632 |
| Total risk-based capital ratio | 15.0002% | 3,601 |
| Memoranda: |
| Average total assets | $126,224,400 | 4,422 |
| Average earning assets | $114,791,000 | 4,429 |
| Average equity | $11,322,200 | 4,928 |
| Average total loans | $70,948,400 | 4,837 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4584% | 4,644 |
| Cost of funding earning assets | 1.8264% | 4,250 |
| Net interest margin | 3.6320% | 4,365 |
| Noninterest income to average assets | 0.6216% | 3,543 |
| Noninterest expense to average assets | 2.9705% | 4,163 |
| Loan and lease loss provision to assets | 0.3436% | 4,264 |
| Net operating income to assets | 0.4670% | 4,132 |
| Return on assets (ROA) | 0.7326% | 3,150 |
| Pretax return on assets | 0.9726% | 2,981 |
| Return on Equity (ROE) | 8.2307% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.2307% | 1,068 |
| Net charge-offs to loans | 0.5236% | 3,121 |
| Credit loss provision to net charge-offs | 116.0714% | 4,374 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,613 |
| Efficiency ratio | 75.4570% | 3,594 |
| Assets per employee ($millions) | 3.2985% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4616% | 3,636 |
| Loan loss allowance to noncurrent loans | 120.9716% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5868% | 3,976 |
| Noncurrent loans to loans | 1.2082% | 4,929 |
| Net loans and leases to total assets | 54.9157% | 6,279 |
| Net loans and leases to deposits | 65.6985% | 6,337 |
| Net loans and leases to core deposits | 86.2742% | 5,839 |
| Total domestic deposits to total assets | 83.5874% | 3,912 |
| Equity capital to assets | 9.3001% | 5,035 |
| Core capital (leverage) ratio | 9.0233% | 4,614 |
| Tier 1 risk-based capital ratio | 13.6745% | 3,733 |
| Total risk-based capital ratio | 14.9191% | 3,677 |
| Memoranda: |
| Average total assets | $126,125,250 | 4,446 |
| Average earning assets | $114,976,250 | 4,450 |
| Average equity | $11,226,000 | 5,009 |
| Average total loans | $71,303,250 | 4,864 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5196% | 4,513 |
| Cost of funding earning assets | 1.9535% | 3,987 |
| Net interest margin | 3.5661% | 4,515 |
| Noninterest income to average assets | 0.5966% | 3,724 |
| Noninterest expense to average assets | 2.9449% | 4,313 |
| Loan and lease loss provision to assets | 0.3165% | 4,047 |
| Net operating income to assets | 0.4453% | 4,313 |
| Return on assets (ROA) | 0.8482% | 2,765 |
| Pretax return on assets | 1.1093% | 2,606 |
| Return on Equity (ROE) | 9.6731% | 2,144 |
| Retained earnings to average equity (ytd only) | 9.6731% | 792 |
| Net charge-offs to loans | -0.1337% | 7,990 |
| Credit loss provision to net charge-offs | -416.6667% | 7,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5966% | 3,582 |
| Assets per employee ($millions) | 3.1996% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7041% | 2,334 |
| Loan loss allowance to noncurrent loans | 48.7261% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 2.6155% | 2,457 |
| Noncurrent loans to loans | 3.4974% | 2,010 |
| Net loans and leases to total assets | 58.0682% | 5,954 |
| Net loans and leases to deposits | 68.6687% | 6,125 |
| Net loans and leases to core deposits | 89.3899% | 5,585 |
| Total domestic deposits to total assets | 84.5628% | 3,470 |
| Equity capital to assets | 9.2233% | 4,973 |
| Core capital (leverage) ratio | 8.8612% | 4,845 |
| Tier 1 risk-based capital ratio | 13.6206% | 3,741 |
| Total risk-based capital ratio | 14.8742% | 3,667 |
| Memoranda: |
| Average total assets | $126,386,000 | 4,463 |
| Average earning assets | $114,971,330 | 4,488 |
| Average equity | $11,082,330 | 5,065 |
| Average total loans | $71,786,330 | 4,895 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4256% | 5,289 |
| Cost of funding earning assets | 2.0991% | 3,653 |
| Net interest margin | 3.3265% | 5,413 |
| Noninterest income to average assets | 0.5373% | 4,008 |
| Noninterest expense to average assets | 2.8574% | 4,317 |
| Loan and lease loss provision to assets | 0.2329% | 4,123 |
| Net operating income to assets | 0.3583% | 5,028 |
| Return on assets (ROA) | 0.6740% | 3,875 |
| Pretax return on assets | 0.8790% | 3,798 |
| Return on Equity (ROE) | 7.8791% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.8791% | 1,864 |
| Net charge-offs to loans | -0.2675% | 8,049 |
| Credit loss provision to net charge-offs | -156.2500% | 6,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1920% | 2,784 |
| Assets per employee ($millions) | 3.3396% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5516% | 2,717 |
| Loan loss allowance to noncurrent loans | 70.1788% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8688% | 3,111 |
| Noncurrent loans to loans | 2.2109% | 2,961 |
| Net loans and leases to total assets | 53.5403% | 6,522 |
| Net loans and leases to deposits | 62.8078% | 6,663 |
| Net loans and leases to core deposits | 87.4900% | 5,785 |
| Total domestic deposits to total assets | 85.2446% | 3,091 |
| Equity capital to assets | 8.4964% | 6,076 |
| Core capital (leverage) ratio | 8.2951% | 5,912 |
| Tier 1 risk-based capital ratio | 12.7762% | 4,340 |
| Total risk-based capital ratio | 14.0275% | 4,252 |
| Memoranda: |
| Average total assets | $128,787,500 | 4,435 |
| Average earning assets | $117,000,500 | 4,460 |
| Average equity | $11,016,500 | 5,101 |
| Average total loans | $71,767,000 | 4,918 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2059% | 4,486 |
| Cost of funding earning assets | 2.5875% | 3,743 |
| Net interest margin | 3.6184% | 4,802 |
| Noninterest income to average assets | 0.5458% | 4,264 |
| Noninterest expense to average assets | 3.1481% | 3,522 |
| Loan and lease loss provision to assets | 0.9291% | 1,599 |
| Net operating income to assets | -0.0249% | 6,405 |
| Return on assets (ROA) | 0.1250% | 5,884 |
| Pretax return on assets | -0.0217% | 6,177 |
| Return on Equity (ROE) | 1.3998% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.3998% | 4,376 |
| Net charge-offs to loans | 1.2490% | 959 |
| Credit loss provision to net charge-offs | 120.5405% | 4,454 |
| Earnings coverage of net charge-offs (x) | 0.8735% | 5,704 |
| Efficiency ratio | 82.2939% | 2,268 |
| Assets per employee ($millions) | 3.1833% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3425% | 3,521 |
| Loan loss allowance to noncurrent loans | 51.5040% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 1.9838% | 2,483 |
| Noncurrent loans to loans | 2.6065% | 2,079 |
| Net loans and leases to total assets | 56.3304% | 6,395 |
| Net loans and leases to deposits | 66.3540% | 6,615 |
| Net loans and leases to core deposits | 92.6465% | 5,572 |
| Total domestic deposits to total assets | 84.8937% | 2,888 |
| Equity capital to assets | 8.6130% | 5,918 |
| Core capital (leverage) ratio | 8.3523% | 5,846 |
| Tier 1 risk-based capital ratio | 12.4588% | 4,467 |
| Total risk-based capital ratio | 13.6188% | 4,430 |
| Memoranda: |
| Average total assets | $120,009,000 | 4,523 |
| Average earning assets | $108,639,400 | 4,542 |
| Average equity | $10,715,800 | 5,209 |
| Average total loans | $74,056,800 | 4,735 |
