| 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 | 4.1809% | 3,658 |
| Cost of funding earning assets | 1.3483% | 2,365 |
| Net interest margin | 2.8326% | 3,602 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.2808% | 2,900 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.1553% | 4,208 |
| Return on assets (ROA) | 0.1592% | 4,229 |
| Pretax return on assets | 0.4743% | 3,859 |
| Return on Equity (ROE) | 2.7400% | 4,060 |
| Retained earnings to average equity (ytd only) | 0.5603% | 3,944 |
| Net charge-offs to loans | -0.0388% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.4516% | 888 |
| Assets per employee ($millions) | 6.4770% | 2,429 |
| Cash dividends to net income (ytd only)* | 79.5229% | 596 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1375% | 2,616 |
| Loan loss allowance to noncurrent loans | 75.5039% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.0971% | 423 |
| Noncurrent loans to loans | 1.5065% | 455 |
| Net loans and leases to total assets | 66.0100% | 2,255 |
| Net loans and leases to deposits | 77.2803% | 2,332 |
| Net loans and leases to core deposits | 87.8718% | 2,184 |
| Total domestic deposits to total assets | 85.4100% | 2,182 |
| Equity capital to assets | 6.1462% | 4,204 |
| Core capital (leverage) ratio | 8.7146% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4968% | 2,414 |
| Memoranda: |
| Average total assets | $632,024,600 | 1,413 |
| Average earning assets | $579,039,200 | 1,421 |
| Average equity | $36,768,800 | 1,993 |
| Average total loans | $404,573,400 | 1,460 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0599% | 3,734 |
| Cost of funding earning assets | 1.1753% | 2,511 |
| Net interest margin | 2.8846% | 3,580 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.3265% | 2,711 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.3560% | 4,038 |
| Return on assets (ROA) | 0.3587% | 4,038 |
| Pretax return on assets | 0.4535% | 3,985 |
| Return on Equity (ROE) | 6.1900% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.2703% | 3,450 |
| Net charge-offs to loans | -0.0522% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.8541% | 814 |
| Assets per employee ($millions) | 6.3869% | 2,417 |
| Cash dividends to net income (ytd only)* | 47.1976% | 1,368 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1620% | 2,562 |
| Loan loss allowance to noncurrent loans | 72.1634% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 336 |
| Noncurrent loans to loans | 1.6103% | 430 |
| Net loans and leases to total assets | 65.1100% | 2,333 |
| Net loans and leases to deposits | 75.4425% | 2,465 |
| Net loans and leases to core deposits | 84.0753% | 2,321 |
| Total domestic deposits to total assets | 86.3000% | 2,104 |
| Equity capital to assets | 5.3654% | 4,177 |
| Core capital (leverage) ratio | 8.8457% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6578% | 2,405 |
| Memoranda: |
| Average total assets | $630,105,500 | 1,410 |
| Average earning assets | $576,512,500 | 1,429 |
| Average equity | $36,489,500 | 1,986 |
| Average total loans | $398,683,750 | 1,467 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9704% | 3,749 |
| Cost of funding earning assets | 1.0062% | 2,587 |
| Net interest margin | 2.9643% | 3,524 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.3550% | 2,642 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.3731% | 4,045 |
| Return on assets (ROA) | 0.3769% | 4,054 |
| Pretax return on assets | 0.4713% | 4,016 |
| Return on Equity (ROE) | 6.3500% | 3,611 |
| Retained earnings to average equity (ytd only) | 3.1384% | 3,442 |
| Net charge-offs to loans | -0.0759% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.7545% | 796 |
| Assets per employee ($millions) | 6.3607% | 2,420 |
| Cash dividends to net income (ytd only)* | 50.5902% | 1,269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1552% | 2,687 |
| Loan loss allowance to noncurrent loans | 286.8873% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 1,157 |
| Noncurrent loans to loans | 0.4027% | 1,725 |
| Net loans and leases to total assets | 62.9800% | 2,485 |
| Net loans and leases to deposits | 74.7979% | 2,417 |
| Net loans and leases to core deposits | 81.2163% | 2,396 |
| Total domestic deposits to total assets | 84.2000% | 2,777 |
| Equity capital to assets | 5.9359% | 4,178 |
| Core capital (leverage) ratio | 8.8428% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7865% | 2,375 |
| Memoranda: |
| Average total assets | $629,371,667 | 1,411 |
| Average earning assets | $575,653,667 | 1,430 |
| Average equity | $37,344,000 | 1,965 |
| Average total loans | $392,742,333 | 1,473 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7512% | 3,943 |
| Cost of funding earning assets | 0.8680% | 2,479 |
| Net interest margin | 2.8832% | 3,814 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.5763% | 2,022 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.1821% | 4,373 |
| Return on assets (ROA) | 0.1866% | 4,337 |
| Pretax return on assets | 0.2134% | 4,323 |
| Return on Equity (ROE) | 3.1500% | 4,166 |
| Retained earnings to average equity (ytd only) | -1.1632% | 4,142 |
| Net charge-offs to loans | -0.0021% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.5266% | 371 |
| Assets per employee ($millions) | 6.2129% | 2,572 |
| Cash dividends to net income (ytd only)* | 136.9863% | 269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1286% | 2,910 |
| Loan loss allowance to noncurrent loans | 212.4639% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 846 |
| Noncurrent loans to loans | 0.5312% | 1,393 |
| Net loans and leases to total assets | 61.0300% | 2,555 |
| Net loans and leases to deposits | 72.2285% | 2,452 |
| Net loans and leases to core deposits | 79.0783% | 2,314 |
| Total domestic deposits to total assets | 84.5000% | 2,974 |
| Equity capital to assets | 5.9581% | 4,216 |
| Core capital (leverage) ratio | 9.0025% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0302% | 2,376 |
| Memoranda: |
| Average total assets | $626,024,000 | 1,442 |
| Average earning assets | $572,826,500 | 1,460 |
| Average equity | $37,138,000 | 2,002 |
| Average total loans | $386,466,000 | 1,510 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4851% | 3,122 |
| Cost of funding earning assets | 0.3973% | 2,132 |
| Net interest margin | 3.0878% | 3,207 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.2380% | 2,925 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7055% | 3,608 |
| Return on assets (ROA) | 0.7040% | 3,556 |
| Pretax return on assets | 0.9257% | 3,281 |
| Return on Equity (ROE) | 10.7100% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.8334% | 2,309 |
| Net charge-offs to loans | 0.0641% | 1,005 |
| Credit loss provision to net charge-offs | 136.3636% | 1,364 |
| Earnings coverage of net charge-offs (x) | 25.4298% | 1,770 |
| Efficiency ratio | 69.0819% | 1,814 |
| Assets per employee ($millions) | 6.0621% | 2,706 |
| Cash dividends to net income (ytd only)* | 36.1991% | 2,112 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0523% | 3,110 |
| Loan loss allowance to noncurrent loans | 172.5515% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 760 |
| Noncurrent loans to loans | 0.6098% | 1,226 |
| Net loans and leases to total assets | 61.0900% | 2,543 |
| Net loans and leases to deposits | 70.4546% | 2,543 |
| Net loans and leases to core deposits | 76.0677% | 2,415 |
| Total domestic deposits to total assets | 86.7100% | 2,491 |
| Equity capital to assets | 5.9060% | 4,127 |
| Core capital (leverage) ratio | 9.1511% | 3,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3072% | 2,233 |
| Memoranda: |
| Average total assets | $627,845,200 | 1,425 |
| Average earning assets | $577,598,000 | 1,430 |
| Average equity | $41,267,800 | 1,879 |
| Average total loans | $377,452,400 | 1,466 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4204% | 2,861 |
| Cost of funding earning assets | 0.3171% | 1,997 |
| Net interest margin | 3.1033% | 2,928 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.2738% | 2,708 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7044% | 3,557 |
| Return on assets (ROA) | 0.7024% | 3,519 |
| Pretax return on assets | 0.9224% | 3,252 |
| Return on Equity (ROE) | 10.4300% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.6579% | 2,492 |
| Net charge-offs to loans | 0.0060% | 1,942 |
| Credit loss provision to net charge-offs | 1,235.2941% | 354 |
| Earnings coverage of net charge-offs (x) | 269.5294% | 513 |
| Efficiency ratio | 69.6543% | 1,801 |
| Assets per employee ($millions) | 4.9552% | 3,717 |
| Cash dividends to net income (ytd only)* | 36.1446% | 1,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0730% | 3,132 |
| Loan loss allowance to noncurrent loans | 376.3470% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 1,125 |
| Noncurrent loans to loans | 0.2851% | 2,229 |
| Net loans and leases to total assets | 62.3400% | 2,247 |
| Net loans and leases to deposits | 70.5128% | 2,319 |
| Net loans and leases to core deposits | 75.8998% | 2,198 |
| Total domestic deposits to total assets | 88.4100% | 2,305 |
| Equity capital to assets | 5.7791% | 4,046 |
| Core capital (leverage) ratio | 8.9060% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9842% | 2,474 |
| Memoranda: |
| Average total assets | $630,223,000 | 1,429 |
| Average earning assets | $581,172,500 | 1,431 |
| Average equity | $42,455,000 | 1,869 |
| Average total loans | $376,379,250 | 1,461 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3275% | 2,649 |
| Cost of funding earning assets | 0.2850% | 1,850 |
| Net interest margin | 3.0425% | 2,747 |
| Noninterest income to average assets | 0.3930% | 2,800 |
| Noninterest expense to average assets | 2.2454% | 2,717 |
| Loan and lease loss provision to assets | 0.0424% | 1,809 |
| Net operating income to assets | 0.7018% | 3,304 |
| Return on assets (ROA) | 0.6981% | 3,269 |
| Pretax return on assets | 0.9191% | 2,998 |
| Return on Equity (ROE) | 9.9140% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.3478% | 2,224 |
| Net charge-offs to loans | 0.0091% | 1,648 |
| Credit loss provision to net charge-offs | 794.1176% | 474 |
| Earnings coverage of net charge-offs (x) | 181.0588% | 573 |
| Efficiency ratio | 69.4556% | 2,035 |
| Assets per employee ($millions) | 5.1904% | 3,516 |
| Cash dividends to net income (ytd only)* | 35.9712% | 1,877 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0658% | 3,296 |
| Loan loss allowance to noncurrent loans | 371.5335% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 1,208 |
| Noncurrent loans to loans | 0.2869% | 2,317 |
| Net loans and leases to total assets | 60.3000% | 2,291 |
| Net loans and leases to deposits | 67.2323% | 2,448 |
| Net loans and leases to core deposits | 71.4816% | 2,379 |
| Total domestic deposits to total assets | 89.6891% | 1,848 |
| Equity capital to assets | 6.2272% | 4,124 |
| Core capital (leverage) ratio | 8.6052% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0101% | 2,493 |
| Memoranda: |
| Average total assets | $637,133,000 | 1,415 |
| Average earning assets | $590,240,000 | 1,431 |
| Average equity | $44,865,667 | 1,833 |
| Average total loans | $373,813,333 | 1,460 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3223% | 2,316 |
| Cost of funding earning assets | 0.2917% | 1,733 |
| Net interest margin | 3.0306% | 2,406 |
| Noninterest income to average assets | 0.4209% | 2,551 |
| Noninterest expense to average assets | 2.3139% | 2,448 |
| Loan and lease loss provision to assets | 0.0373% | 1,691 |
| Net operating income to assets | 0.6771% | 3,134 |
| Return on assets (ROA) | 0.6761% | 3,126 |
| Pretax return on assets | 0.8872% | 2,821 |
| Return on Equity (ROE) | 9.0929% | 2,284 |
| Retained earnings to average equity (ytd only) | 5.7530% | 2,333 |
| Net charge-offs to loans | 0.0086% | 1,429 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 186.3750% | 454 |
| Efficiency ratio | 70.9851% | 2,103 |
| Assets per employee ($millions) | 5.1932% | 3,589 |
| Cash dividends to net income (ytd only)* | 36.7309% | 1,592 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0807% | 3,416 |
| Loan loss allowance to noncurrent loans | 428.9871% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 1,404 |
| Noncurrent loans to loans | 0.2519% | 2,582 |
| Net loans and leases to total assets | 56.5864% | 2,468 |
| Net loans and leases to deposits | 65.4414% | 2,388 |
| Net loans and leases to core deposits | 69.7077% | 2,315 |
| Total domestic deposits to total assets | 86.4688% | 3,112 |
| Equity capital to assets | 6.8204% | 4,291 |
| Core capital (leverage) ratio | 8.3305% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2665% | 2,496 |
| Memoranda: |
| Average total assets | $644,276,000 | 1,399 |
| Average earning assets | $599,221,000 | 1,412 |
| Average equity | $47,905,500 | 1,794 |
| Average total loans | $370,908,500 | 1,458 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5326% | 2,567 |
| Cost of funding earning assets | 0.4174% | 1,416 |
| Net interest margin | 3.1152% | 2,859 |
| Noninterest income to average assets | 0.6237% | 2,057 |
| Noninterest expense to average assets | 2.2596% | 2,916 |
| Loan and lease loss provision to assets | 0.0284% | 2,490 |
| Net operating income to assets | 0.9193% | 2,973 |
| Return on assets (ROA) | 0.9162% | 3,042 |
| Pretax return on assets | 1.2331% | 2,569 |
| Return on Equity (ROE) | 11.3765% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.2420% | 1,446 |
| Net charge-offs to loans | 0.1966% | 496 |
| Credit loss provision to net charge-offs | 23.5911% | 2,264 |
| Earnings coverage of net charge-offs (x) | 10.5125% | 2,205 |
| Efficiency ratio | 63.6844% | 2,613 |
| Assets per employee ($millions) | 5.4167% | 3,340 |
| Cash dividends to net income (ytd only)* | 27.5530% | 2,682 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0518% | 3,564 |
| Loan loss allowance to noncurrent loans | 309.0480% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 1,375 |
| Noncurrent loans to loans | 0.3403% | 2,359 |
| Net loans and leases to total assets | 57.3253% | 2,440 |
| Net loans and leases to deposits | 67.3403% | 2,373 |
| Net loans and leases to core deposits | 72.2717% | 2,237 |
| Total domestic deposits to total assets | 85.1278% | 3,230 |
| Equity capital to assets | 8.0501% | 4,331 |
| Core capital (leverage) ratio | 8.2088% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1582% | 2,580 |
| Memoranda: |
| Average total assets | $633,828,400 | 1,392 |
| Average earning assets | $590,323,800 | 1,392 |
| Average equity | $51,043,600 | 1,733 |
| Average total loans | $388,176,000 | 1,409 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5689% | 2,638 |
| Cost of funding earning assets | 0.4493% | 1,354 |
| Net interest margin | 3.1197% | 3,001 |
| Noninterest income to average assets | 0.7062% | 1,805 |
| Noninterest expense to average assets | 2.2706% | 2,831 |
| Loan and lease loss provision to assets | 0.0380% | 2,231 |
| Net operating income to assets | 0.9759% | 3,001 |
| Return on assets (ROA) | 0.9796% | 3,070 |
| Pretax return on assets | 1.3083% | 2,605 |
| Return on Equity (ROE) | 12.1626% | 1,996 |
| Retained earnings to average equity (ytd only) | 9.0151% | 1,685 |
| Net charge-offs to loans | 0.0102% | 1,939 |
| Credit loss provision to net charge-offs | 600.0000% | 701 |
| Earnings coverage of net charge-offs (x) | 211.7000% | 535 |
| Efficiency ratio | 62.4481% | 2,625 |
| Assets per employee ($millions) | 5.2669% | 3,432 |
| Cash dividends to net income (ytd only)* | 25.8788% | 2,278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2366% | 2,816 |
| Loan loss allowance to noncurrent loans | 198.4249% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 1,132 |
| Noncurrent loans to loans | 0.6232% | 1,749 |
| Net loans and leases to total assets | 58.4124% | 2,436 |
| Net loans and leases to deposits | 68.7593% | 2,361 |
| Net loans and leases to core deposits | 74.1336% | 2,225 |
| Total domestic deposits to total assets | 84.9519% | 3,133 |
| Equity capital to assets | 8.1307% | 4,453 |
| Core capital (leverage) ratio | 8.1215% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1447% | 2,662 |
| Memoranda: |
| Average total assets | $631,138,000 | 1,412 |
| Average earning assets | $587,908,500 | 1,413 |
| Average equity | $50,832,000 | 1,755 |
| Average total loans | $391,859,750 | 1,432 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4913% | 2,916 |
| Cost of funding earning assets | 0.4887% | 1,271 |
| Net interest margin | 3.0026% | 3,314 |
| Noninterest income to average assets | 0.7325% | 1,709 |
| Noninterest expense to average assets | 2.2547% | 2,903 |
| Loan and lease loss provision to assets | 0.0572% | 1,883 |
| Net operating income to assets | 0.9106% | 3,187 |
| Return on assets (ROA) | 0.9143% | 3,258 |
| Pretax return on assets | 1.2227% | 2,851 |
| Return on Equity (ROE) | 11.3893% | 2,269 |
| Retained earnings to average equity (ytd only) | 8.2212% | 1,997 |
| Net charge-offs to loans | 0.0015% | 2,167 |
| Credit loss provision to net charge-offs | 6,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 1,337.0000% | 91 |
| Efficiency ratio | 63.4513% | 2,502 |
| Assets per employee ($millions) | 5.2505% | 3,406 |
| Cash dividends to net income (ytd only)* | 27.8164% | 2,163 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1998% | 2,939 |
| Loan loss allowance to noncurrent loans | 134.4808% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 934 |
| Noncurrent loans to loans | 0.8922% | 1,384 |
| Net loans and leases to total assets | 60.2672% | 2,396 |
| Net loans and leases to deposits | 70.9956% | 2,310 |
| Net loans and leases to core deposits | 76.6420% | 2,177 |
| Total domestic deposits to total assets | 84.8886% | 3,145 |
| Equity capital to assets | 8.0364% | 4,511 |
| Core capital (leverage) ratio | 7.9462% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6678% | 2,818 |
| Memoranda: |
| Average total assets | $629,084,667 | 1,406 |
| Average earning assets | $586,087,333 | 1,412 |
| Average equity | $50,503,667 | 1,757 |
| Average total loans | $396,839,000 | 1,421 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3894% | 3,223 |
| Cost of funding earning assets | 0.5410% | 1,160 |
| Net interest margin | 2.8484% | 3,642 |
| Noninterest income to average assets | 0.9497% | 1,218 |
| Noninterest expense to average assets | 2.4385% | 2,363 |
| Loan and lease loss provision to assets | 0.1155% | 1,188 |
| Net operating income to assets | 0.8125% | 3,383 |
| Return on assets (ROA) | 0.8175% | 3,434 |
| Pretax return on assets | 1.0646% | 3,204 |
| Return on Equity (ROE) | 10.1886% | 2,631 |
| Retained earnings to average equity (ytd only) | 6.9897% | 2,581 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0990% | 2,057 |
| Assets per employee ($millions) | 5.1926% | 3,438 |
| Cash dividends to net income (ytd only)* | 31.3972% | 1,670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1907% | 2,981 |
| Loan loss allowance to noncurrent loans | 130.2971% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 1,009 |
| Noncurrent loans to loans | 0.9138% | 1,483 |
| Net loans and leases to total assets | 61.9699% | 2,290 |
| Net loans and leases to deposits | 71.8292% | 2,330 |
| Net loans and leases to core deposits | 79.3815% | 2,066 |
| Total domestic deposits to total assets | 86.2740% | 2,641 |
| Equity capital to assets | 7.8329% | 4,580 |
| Core capital (leverage) ratio | 7.9085% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1374% | 2,901 |
| Memoranda: |
| Average total assets | $623,346,500 | 1,404 |
| Average earning assets | $582,644,000 | 1,402 |
| Average equity | $50,016,500 | 1,758 |
| Average total loans | $399,890,500 | 1,412 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9442% | 2,895 |
| Cost of funding earning assets | 0.8711% | 945 |
| Net interest margin | 3.0732% | 3,695 |
| Noninterest income to average assets | 0.8225% | 1,472 |
| Noninterest expense to average assets | 2.3021% | 3,394 |
| Loan and lease loss provision to assets | 0.4032% | 775 |
| Net operating income to assets | 0.7473% | 3,271 |
| Return on assets (ROA) | 0.7649% | 3,344 |
| Pretax return on assets | 1.0213% | 2,973 |
| Return on Equity (ROE) | 9.2240% | 2,300 |
| Retained earnings to average equity (ytd only) | 5.9553% | 1,814 |
| Net charge-offs to loans | 0.8375% | 171 |
| Credit loss provision to net charge-offs | 66.7602% | 3,064 |
| Earnings coverage of net charge-offs (x) | 2.3215% | 3,174 |
| Efficiency ratio | 61.7225% | 3,184 |
| Assets per employee ($millions) | 5.5213% | 2,826 |
| Cash dividends to net income (ytd only)* | 35.4374% | 2,590 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1118% | 3,408 |
| Loan loss allowance to noncurrent loans | 126.0408% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 1,128 |
| Noncurrent loans to loans | 0.8821% | 1,602 |
| Net loans and leases to total assets | 64.8813% | 2,244 |
| Net loans and leases to deposits | 76.0962% | 2,273 |
| Net loans and leases to core deposits | 84.7101% | 1,974 |
| Total domestic deposits to total assets | 85.2622% | 2,666 |
| Equity capital to assets | 8.2179% | 4,613 |
| Core capital (leverage) ratio | 7.9568% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8290% | 2,961 |
| Memoranda: |
| Average total assets | $590,244,200 | 1,346 |
| Average earning assets | $553,464,600 | 1,338 |
| Average equity | $48,948,200 | 1,731 |
| Average total loans | $425,656,200 | 1,280 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0398% | 2,862 |
| Cost of funding earning assets | 0.9415% | 926 |
| Net interest margin | 3.0983% | 3,745 |
| Noninterest income to average assets | 0.6916% | 1,825 |
| Noninterest expense to average assets | 2.3307% | 3,338 |
| Loan and lease loss provision to assets | 0.2011% | 1,984 |
| Net operating income to assets | 0.7965% | 3,107 |
| Return on assets (ROA) | 0.8198% | 3,141 |
| Pretax return on assets | 1.0962% | 2,763 |
| Return on Equity (ROE) | 9.8621% | 2,062 |
| Retained earnings to average equity (ytd only) | 6.5619% | 1,862 |
| Net charge-offs to loans | 0.9214% | 145 |
| Credit loss provision to net charge-offs | 29.5699% | 2,956 |
| Earnings coverage of net charge-offs (x) | 1.8636% | 3,036 |
| Efficiency ratio | 64.3225% | 2,685 |
| Assets per employee ($millions) | 5.4899% | 2,720 |
| Cash dividends to net income (ytd only)* | 33.4635% | 2,208 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8342% | 4,278 |
| Loan loss allowance to noncurrent loans | 49.0931% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.2190% | 811 |
| Noncurrent loans to loans | 1.6992% | 805 |
| Net loans and leases to total assets | 69.6011% | 2,016 |
| Net loans and leases to deposits | 83.0437% | 2,013 |
| Net loans and leases to core deposits | 93.7219% | 1,667 |
| Total domestic deposits to total assets | 83.8126% | 2,887 |
| Equity capital to assets | 8.1655% | 4,649 |
| Core capital (leverage) ratio | 7.8420% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1483% | 3,075 |
| Memoranda: |
| Average total assets | $583,209,500 | 1,343 |
| Average earning assets | $547,204,500 | 1,332 |
| Average equity | $48,480,750 | 1,736 |
| Average total loans | $430,638,750 | 1,267 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2514% | 2,603 |
| Cost of funding earning assets | 1.0222% | 920 |
| Net interest margin | 3.2292% | 3,580 |
| Noninterest income to average assets | 0.4869% | 2,623 |
| Noninterest expense to average assets | 2.3473% | 3,408 |
| Loan and lease loss provision to assets | 0.1048% | 2,963 |
| Net operating income to assets | 0.7991% | 3,048 |
| Return on assets (ROA) | 0.8347% | 3,040 |
| Pretax return on assets | 1.1106% | 2,683 |
| Return on Equity (ROE) | 9.9780% | 1,991 |
| Retained earnings to average equity (ytd only) | 6.6381% | 1,805 |
| Net charge-offs to loans | 0.0344% | 2,051 |
| Credit loss provision to net charge-offs | 405.4054% | 1,394 |
| Earnings coverage of net charge-offs (x) | 45.2838% | 1,170 |
| Efficiency ratio | 66.2728% | 2,475 |
| Assets per employee ($millions) | 5.5955% | 2,548 |
| Cash dividends to net income (ytd only)* | 33.4728% | 2,208 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3366% | 1,841 |
| Loan loss allowance to noncurrent loans | 55.2570% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.7766% | 458 |
| Noncurrent loans to loans | 2.4189% | 500 |
| Net loans and leases to total assets | 71.0320% | 1,864 |
| Net loans and leases to deposits | 84.6364% | 1,925 |
| Net loans and leases to core deposits | 96.3986% | 1,547 |
| Total domestic deposits to total assets | 83.9261% | 2,772 |
| Equity capital to assets | 8.0246% | 4,704 |
| Core capital (leverage) ratio | 7.9937% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0026% | 3,160 |
| Memoranda: |
| Average total assets | $572,656,667 | 1,344 |
| Average earning assets | $537,471,000 | 1,332 |
| Average equity | $47,905,333 | 1,742 |
| Average total loans | $430,333,333 | 1,256 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3680% | 2,722 |
| Cost of funding earning assets | 1.1268% | 964 |
| Net interest margin | 3.2412% | 3,746 |
| Noninterest income to average assets | 0.3519% | 3,416 |
| Noninterest expense to average assets | 2.5652% | 3,088 |
| Loan and lease loss provision to assets | 0.0871% | 2,603 |
| Net operating income to assets | 0.5566% | 3,718 |
| Return on assets (ROA) | 0.5841% | 3,705 |
| Pretax return on assets | 0.7757% | 3,475 |
| Return on Equity (ROE) | 6.8275% | 3,015 |
| Retained earnings to average equity (ytd only) | 3.4350% | 2,911 |
| Net charge-offs to loans | 0.0132% | 2,123 |
| Credit loss provision to net charge-offs | 857.1429% | 636 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 663 |
| Efficiency ratio | 75.1069% | 1,675 |
| Assets per employee ($millions) | 5.1165% | 2,523 |
| Cash dividends to net income (ytd only)* | 49.6894% | 1,640 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3735% | 1,800 |
| Loan loss allowance to noncurrent loans | 96.4909% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1354% | 1,129 |
| Noncurrent loans to loans | 1.4234% | 1,120 |
| Net loans and leases to total assets | 75.3969% | 1,405 |
| Net loans and leases to deposits | 91.1601% | 1,384 |
| Net loans and leases to core deposits | 107.5863% | 963 |
| Total domestic deposits to total assets | 82.7082% | 3,204 |
| Equity capital to assets | 8.6320% | 4,779 |
| Core capital (leverage) ratio | 8.3646% | 4,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3009% | 3,276 |
| Memoranda: |
| Average total assets | $551,231,500 | 1,352 |
| Average earning assets | $517,219,500 | 1,335 |
| Average equity | $47,162,000 | 1,754 |
| Average total loans | $423,935,000 | 1,236 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5954% | 2,632 |
| Cost of funding earning assets | 1.2390% | 929 |
| Net interest margin | 3.3564% | 3,862 |
| Noninterest income to average assets | 0.2976% | 3,899 |
| Noninterest expense to average assets | 2.4142% | 3,647 |
| Loan and lease loss provision to assets | 0.2761% | 639 |
| Net operating income to assets | 0.5606% | 4,266 |
| Return on assets (ROA) | 0.5620% | 4,317 |
| Pretax return on assets | 0.7472% | 4,091 |
| Return on Equity (ROE) | 6.4214% | 3,770 |
| Retained earnings to average equity (ytd only) | 2.9160% | 3,568 |
| Net charge-offs to loans | 0.0886% | 1,847 |
| Credit loss provision to net charge-offs | 403.3613% | 706 |
| Earnings coverage of net charge-offs (x) | 14.9244% | 2,260 |
| Efficiency ratio | 69.8772% | 2,190 |
| Assets per employee ($millions) | 4.9539% | 2,656 |
| Cash dividends to net income (ytd only)* | 54.5889% | 1,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3389% | 1,751 |
| Loan loss allowance to noncurrent loans | 204.3042% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 1,950 |
| Noncurrent loans to loans | 0.6553% | 2,251 |
| Net loans and leases to total assets | 76.3333% | 1,355 |
| Net loans and leases to deposits | 90.7790% | 1,507 |
| Net loans and leases to core deposits | 108.0795% | 968 |
| Total domestic deposits to total assets | 84.0869% | 2,824 |
| Equity capital to assets | 8.4791% | 4,917 |
| Core capital (leverage) ratio | 8.3677% | 4,915 |
| Tier 1 risk-based capital ratio | 9.9838% | 5,124 |
| Total risk-based capital ratio | 11.2339% | 5,085 |
| Memoranda: |
| Average total assets | $521,576,400 | 1,370 |
| Average earning assets | $487,663,600 | 1,359 |
| Average equity | $45,644,400 | 1,735 |
| Average total loans | $402,876,000 | 1,260 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5971% | 2,734 |
| Cost of funding earning assets | 1.2597% | 883 |
| Net interest margin | 3.3374% | 4,018 |
| Noninterest income to average assets | 0.2822% | 4,057 |
| Noninterest expense to average assets | 2.2958% | 3,964 |
| Loan and lease loss provision to assets | 0.2566% | 626 |
| Net operating income to assets | 0.6396% | 4,184 |
| Return on assets (ROA) | 0.6396% | 4,235 |
| Pretax return on assets | 0.8469% | 4,016 |
| Return on Equity (ROE) | 7.2481% | 3,597 |
| Retained earnings to average equity (ytd only) | 3.7239% | 3,537 |
| Net charge-offs to loans | 0.0349% | 2,379 |
| Credit loss provision to net charge-offs | 951.9231% | 373 |
| Earnings coverage of net charge-offs (x) | 40.9432% | 1,358 |
| Efficiency ratio | 67.1647% | 2,555 |
| Assets per employee ($millions) | 5.1669% | 2,378 |
| Cash dividends to net income (ytd only)* | 48.6224% | 1,746 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3686% | 1,691 |
| Loan loss allowance to noncurrent loans | 177.7886% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 1,782 |
| Noncurrent loans to loans | 0.7698% | 2,047 |
| Net loans and leases to total assets | 75.1966% | 1,619 |
| Net loans and leases to deposits | 91.8093% | 1,460 |
| Net loans and leases to core deposits | 110.2158% | 942 |
| Total domestic deposits to total assets | 81.9052% | 3,496 |
| Equity capital to assets | 8.8514% | 4,848 |
| Core capital (leverage) ratio | 8.8748% | 4,727 |
| Tier 1 risk-based capital ratio | 10.6965% | 5,019 |
| Total risk-based capital ratio | 11.9501% | 4,936 |
| Memoranda: |
| Average total assets | $514,500,000 | 1,394 |
| Average earning assets | $480,523,500 | 1,386 |
| Average equity | $45,399,250 | 1,746 |
| Average total loans | $397,235,250 | 1,281 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5975% | 2,687 |
| Cost of funding earning assets | 1.2616% | 843 |
| Net interest margin | 3.3360% | 4,062 |
| Noninterest income to average assets | 0.3053% | 3,886 |
| Noninterest expense to average assets | 2.3569% | 3,856 |
| Loan and lease loss provision to assets | 0.2116% | 795 |
| Net operating income to assets | 0.6478% | 4,174 |
| Return on assets (ROA) | 0.6478% | 4,223 |
| Pretax return on assets | 0.8540% | 3,962 |
| Return on Equity (ROE) | 7.3495% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.7926% | 3,354 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4988% | 2,445 |
| Assets per employee ($millions) | 4.8558% | 2,659 |
| Cash dividends to net income (ytd only)* | 48.3969% | 1,874 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3116% | 1,964 |
| Loan loss allowance to noncurrent loans | 122.1959% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.8927% | 1,564 |
| Noncurrent loans to loans | 1.0733% | 1,527 |
| Net loans and leases to total assets | 74.6263% | 1,779 |
| Net loans and leases to deposits | 90.9234% | 1,642 |
| Net loans and leases to core deposits | 109.1096% | 1,027 |
| Total domestic deposits to total assets | 82.0760% | 3,486 |
| Equity capital to assets | 8.8480% | 4,878 |
| Core capital (leverage) ratio | 8.9554% | 4,663 |
| Tier 1 risk-based capital ratio | 10.8232% | 4,985 |
| Total risk-based capital ratio | 12.0542% | 4,900 |
| Memoranda: |
| Average total assets | $510,325,000 | 1,402 |
| Average earning assets | $476,863,670 | 1,392 |
| Average equity | $44,982,670 | 1,754 |
| Average total loans | $395,712,330 | 1,288 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6516% | 2,372 |
| Cost of funding earning assets | 1.2738% | 716 |
| Net interest margin | 3.3778% | 3,947 |
| Noninterest income to average assets | 0.2911% | 3,931 |
| Noninterest expense to average assets | 2.4243% | 3,706 |
| Loan and lease loss provision to assets | 0.0712% | 2,239 |
| Net operating income to assets | 0.7158% | 3,882 |
| Return on assets (ROA) | 0.7158% | 3,928 |
| Pretax return on assets | 0.9523% | 3,607 |
| Return on Equity (ROE) | 8.1369% | 3,201 |
| Retained earnings to average equity (ytd only) | 4.5405% | 3,109 |
| Net charge-offs to loans | -0.0030% | 3,924 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9472% | 2,350 |
| Assets per employee ($millions) | 4.9347% | 2,608 |
| Cash dividends to net income (ytd only)* | 44.1989% | 1,808 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1917% | 2,624 |
| Loan loss allowance to noncurrent loans | 102.7960% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 1,487 |
| Noncurrent loans to loans | 1.1593% | 1,438 |
| Net loans and leases to total assets | 77.5192% | 1,235 |
| Net loans and leases to deposits | 94.4518% | 1,120 |
| Net loans and leases to core deposits | 115.1191% | 680 |
| Total domestic deposits to total assets | 82.0727% | 3,705 |
| Equity capital to assets | 8.9698% | 4,702 |
| Core capital (leverage) ratio | 8.8989% | 4,722 |
| Tier 1 risk-based capital ratio | 10.6865% | 5,119 |
| Total risk-based capital ratio | 11.8061% | 5,062 |
| Memoranda: |
| Average total assets | $505,704,500 | 1,421 |
| Average earning assets | $472,613,000 | 1,413 |
| Average equity | $44,488,500 | 1,760 |
| Average total loans | $397,125,500 | 1,284 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5726% | 2,224 |
| Cost of funding earning assets | 0.9926% | 779 |
| Net interest margin | 3.5800% | 3,451 |
| Noninterest income to average assets | 0.2837% | 4,201 |
| Noninterest expense to average assets | 2.3285% | 4,050 |
| Loan and lease loss provision to assets | 0.0983% | 2,212 |
| Net operating income to assets | 0.8936% | 3,460 |
| Return on assets (ROA) | 0.8936% | 3,454 |
| Pretax return on assets | 1.1929% | 2,910 |
| Return on Equity (ROE) | 10.2520% | 2,420 |
| Retained earnings to average equity (ytd only) | 6.4941% | 1,928 |
| Net charge-offs to loans | 0.0280% | 2,845 |
| Credit loss provision to net charge-offs | 448.5981% | 763 |
| Earnings coverage of net charge-offs (x) | 58.9439% | 1,032 |
| Efficiency ratio | 63.9613% | 3,200 |
| Assets per employee ($millions) | 4.9364% | 2,578 |
| Cash dividends to net income (ytd only)* | 36.6552% | 2,712 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1551% | 2,802 |
| Loan loss allowance to noncurrent loans | 148.8545% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,110 |
| Noncurrent loans to loans | 0.7760% | 2,067 |
| Net loans and leases to total assets | 77.6372% | 1,332 |
| Net loans and leases to deposits | 94.1845% | 1,256 |
| Net loans and leases to core deposits | 111.2196% | 925 |
| Total domestic deposits to total assets | 82.4310% | 3,510 |
| Equity capital to assets | 8.6420% | 4,853 |
| Core capital (leverage) ratio | 8.9255% | 4,721 |
| Tier 1 risk-based capital ratio | 10.5036% | 5,175 |
| Total risk-based capital ratio | 11.5916% | 5,144 |
| Memoranda: |
| Average total assets | $488,463,000 | 1,441 |
| Average earning assets | $455,171,600 | 1,434 |
| Average equity | $42,577,000 | 1,757 |
| Average total loans | $381,583,000 | 1,302 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5175% | 2,244 |
| Cost of funding earning assets | 0.9526% | 739 |
| Net interest margin | 3.5649% | 3,476 |
| Noninterest income to average assets | 0.3538% | 3,763 |
| Noninterest expense to average assets | 2.3014% | 4,097 |
| Loan and lease loss provision to assets | 0.0497% | 2,998 |
| Net operating income to assets | 0.9942% | 3,106 |
| Return on assets (ROA) | 0.9942% | 3,121 |
| Pretax return on assets | 1.3298% | 2,507 |
| Return on Equity (ROE) | 11.4797% | 1,989 |
| Retained earnings to average equity (ytd only) | 7.6552% | 1,818 |
| Net charge-offs to loans | 0.0453% | 2,194 |
| Credit loss provision to net charge-offs | 140.6250% | 1,800 |
| Earnings coverage of net charge-offs (x) | 39.0474% | 1,379 |
| Efficiency ratio | 62.1626% | 3,487 |
| Assets per employee ($millions) | 4.7365% | 2,799 |
| Cash dividends to net income (ytd only)* | 33.3148% | 2,387 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0935% | 3,230 |
| Loan loss allowance to noncurrent loans | 121.3115% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 1,984 |
| Noncurrent loans to loans | 0.9014% | 1,893 |
| Net loans and leases to total assets | 78.0581% | 1,334 |
| Net loans and leases to deposits | 91.5348% | 1,684 |
| Net loans and leases to core deposits | 107.0419% | 1,228 |
| Total domestic deposits to total assets | 85.2770% | 2,498 |
| Equity capital to assets | 8.5674% | 4,882 |
| Core capital (leverage) ratio | 8.8639% | 4,834 |
| Tier 1 risk-based capital ratio | 10.4444% | 5,255 |
| Total risk-based capital ratio | 11.4697% | 5,255 |
| Memoranda: |
| Average total assets | $483,066,000 | 1,454 |
| Average earning assets | $450,829,000 | 1,452 |
| Average equity | $41,835,250 | 1,797 |
| Average total loans | $377,139,500 | 1,320 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4815% | 2,156 |
| Cost of funding earning assets | 0.9011% | 729 |
| Net interest margin | 3.5804% | 3,385 |
| Noninterest income to average assets | 0.3826% | 3,601 |
| Noninterest expense to average assets | 2.4127% | 3,860 |
| Loan and lease loss provision to assets | 0.0251% | 3,415 |
| Net operating income to assets | 0.9646% | 3,172 |
| Return on assets (ROA) | 0.9646% | 3,172 |
| Pretax return on assets | 1.2858% | 2,571 |
| Return on Equity (ROE) | 11.0974% | 2,072 |
| Retained earnings to average equity (ytd only) | 7.2491% | 1,952 |
| Net charge-offs to loans | 0.0242% | 2,380 |
| Credit loss provision to net charge-offs | 133.3333% | 1,692 |
| Earnings coverage of net charge-offs (x) | 69.6667% | 913 |
| Efficiency ratio | 64.4357% | 3,260 |
| Assets per employee ($millions) | 4.7431% | 2,761 |
| Cash dividends to net income (ytd only)* | 34.6771% | 2,375 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1152% | 3,177 |
| Loan loss allowance to noncurrent loans | 122.4813% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 2,102 |
| Noncurrent loans to loans | 0.9105% | 1,898 |
| Net loans and leases to total assets | 75.7545% | 1,675 |
| Net loans and leases to deposits | 88.5071% | 2,047 |
| Net loans and leases to core deposits | 102.9897% | 1,482 |
| Total domestic deposits to total assets | 85.5914% | 2,460 |
| Equity capital to assets | 8.4378% | 4,989 |
| Core capital (leverage) ratio | 8.8949% | 4,794 |
| Tier 1 risk-based capital ratio | 10.4618% | 5,286 |
| Total risk-based capital ratio | 11.5023% | 5,278 |
| Memoranda: |
| Average total assets | $478,309,330 | 1,472 |
| Average earning assets | $446,319,670 | 1,466 |
| Average equity | $41,577,330 | 1,808 |
| Average total loans | $372,018,330 | 1,332 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4099% | 2,167 |
| Cost of funding earning assets | 0.8191% | 876 |
| Net interest margin | 3.5908% | 3,216 |
| Noninterest income to average assets | 0.3757% | 3,623 |
| Noninterest expense to average assets | 2.4335% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9717% | 2,975 |
| Return on assets (ROA) | 0.9717% | 3,005 |
| Pretax return on assets | 1.2885% | 2,415 |
| Return on Equity (ROE) | 11.0071% | 1,965 |
| Retained earnings to average equity (ytd only) | 7.1382% | 2,218 |
| Net charge-offs to loans | -0.0011% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0149% | 3,316 |
| Assets per employee ($millions) | 4.4995% | 3,159 |
| Cash dividends to net income (ytd only)* | 35.1494% | 1,994 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1388% | 3,154 |
| Loan loss allowance to noncurrent loans | 121.1022% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 2,034 |
| Noncurrent loans to loans | 0.9404% | 1,943 |
| Net loans and leases to total assets | 77.9272% | 1,255 |
| Net loans and leases to deposits | 91.7257% | 1,483 |
| Net loans and leases to core deposits | 102.3801% | 1,494 |
| Total domestic deposits to total assets | 84.9568% | 2,948 |
| Equity capital to assets | 8.7576% | 4,779 |
| Core capital (leverage) ratio | 9.0389% | 4,637 |
| Tier 1 risk-based capital ratio | 10.6141% | 5,314 |
| Total risk-based capital ratio | 11.6857% | 5,297 |
| Memoranda: |
| Average total assets | $468,453,000 | 1,517 |
| Average earning assets | $436,566,000 | 1,506 |
| Average equity | $41,355,000 | 1,821 |
| Average total loans | $367,263,000 | 1,351 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3024% | 2,322 |
| Cost of funding earning assets | 0.6697% | 1,185 |
| Net interest margin | 3.6327% | 3,055 |
| Noninterest income to average assets | 0.4279% | 3,453 |
| Noninterest expense to average assets | 2.5063% | 3,762 |
| Loan and lease loss provision to assets | 0.0470% | 3,287 |
| Net operating income to assets | 0.7718% | 3,294 |
| Return on assets (ROA) | 0.7583% | 3,393 |
| Pretax return on assets | 1.2358% | 2,608 |
| Return on Equity (ROE) | 8.4639% | 2,571 |
| Retained earnings to average equity (ytd only) | 4.5249% | 2,437 |
| Net charge-offs to loans | 0.0118% | 3,667 |
| Credit loss provision to net charge-offs | 519.5122% | 597 |
| Earnings coverage of net charge-offs (x) | 144.1951% | 487 |
| Efficiency ratio | 65.4009% | 3,362 |
| Assets per employee ($millions) | 4.4234% | 3,315 |
| Cash dividends to net income (ytd only)* | 46.5387% | 2,500 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1709% | 2,947 |
| Loan loss allowance to noncurrent loans | 114.6566% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,731 |
| Noncurrent loans to loans | 1.0212% | 1,742 |
| Net loans and leases to total assets | 77.0532% | 1,420 |
| Net loans and leases to deposits | 88.8636% | 1,917 |
| Net loans and leases to core deposits | 98.8540% | 1,797 |
| Total domestic deposits to total assets | 86.7095% | 2,144 |
| Equity capital to assets | 8.8996% | 4,816 |
| Core capital (leverage) ratio | 8.9920% | 4,660 |
| Tier 1 risk-based capital ratio | 10.7901% | 5,257 |
| Total risk-based capital ratio | 11.8958% | 5,210 |
| Memoranda: |
| Average total assets | $453,384,200 | 1,535 |
| Average earning assets | $422,138,000 | 1,526 |
| Average equity | $40,619,800 | 1,832 |
| Average total loans | $347,030,600 | 1,385 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2705% | 2,356 |
| Cost of funding earning assets | 0.6373% | 1,321 |
| Net interest margin | 3.6332% | 3,026 |
| Noninterest income to average assets | 0.4471% | 3,349 |
| Noninterest expense to average assets | 2.3295% | 4,216 |
| Loan and lease loss provision to assets | 0.1305% | 1,666 |
| Net operating income to assets | 0.8922% | 3,069 |
| Return on assets (ROA) | 0.8891% | 3,130 |
| Pretax return on assets | 1.3679% | 2,227 |
| Return on Equity (ROE) | 9.9072% | 2,175 |
| Retained earnings to average equity (ytd only) | 5.9509% | 2,271 |
| Net charge-offs to loans | -0.0284% | 4,979 |
| Credit loss provision to net charge-offs | -604.1096% | 4,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4030% | 4,145 |
| Assets per employee ($millions) | 4.5880% | 2,992 |
| Cash dividends to net income (ytd only)* | 39.9334% | 2,287 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2906% | 2,408 |
| Loan loss allowance to noncurrent loans | 127.1012% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 1,904 |
| Noncurrent loans to loans | 1.0154% | 1,915 |
| Net loans and leases to total assets | 75.6244% | 1,653 |
| Net loans and leases to deposits | 87.1004% | 2,170 |
| Net loans and leases to core deposits | 97.1655% | 1,962 |
| Total domestic deposits to total assets | 86.8244% | 1,946 |
| Equity capital to assets | 8.9665% | 4,940 |
| Core capital (leverage) ratio | 9.1162% | 4,621 |
| Tier 1 risk-based capital ratio | 10.8948% | 5,301 |
| Total risk-based capital ratio | 12.1017% | 5,226 |
| Memoranda: |
| Average total assets | $450,615,000 | 1,553 |
| Average earning assets | $419,892,000 | 1,548 |
| Average equity | $40,441,000 | 1,855 |
| Average total loans | $343,257,750 | 1,403 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2359% | 2,339 |
| Cost of funding earning assets | 0.6135% | 1,369 |
| Net interest margin | 3.6224% | 2,941 |
| Noninterest income to average assets | 0.5408% | 2,762 |
| Noninterest expense to average assets | 2.4209% | 3,991 |
| Loan and lease loss provision to assets | 0.1573% | 1,273 |
| Net operating income to assets | 0.8737% | 3,056 |
| Return on assets (ROA) | 0.8737% | 3,105 |
| Pretax return on assets | 1.3384% | 2,244 |
| Return on Equity (ROE) | 9.7326% | 2,153 |
| Retained earnings to average equity (ytd only) | 5.7398% | 2,269 |
| Net charge-offs to loans | 0.0701% | 1,936 |
| Credit loss provision to net charge-offs | 294.9580% | 969 |
| Earnings coverage of net charge-offs (x) | 28.0504% | 1,520 |
| Efficiency ratio | 61.4461% | 4,096 |
| Assets per employee ($millions) | 4.4501% | 3,194 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2387% | 2,763 |
| Loan loss allowance to noncurrent loans | 140.5688% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 2,271 |
| Noncurrent loans to loans | 0.8812% | 2,215 |
| Net loans and leases to total assets | 74.7991% | 1,731 |
| Net loans and leases to deposits | 84.9916% | 2,357 |
| Net loans and leases to core deposits | 95.3354% | 2,041 |
| Total domestic deposits to total assets | 88.0076% | 1,455 |
| Equity capital to assets | 8.9330% | 4,958 |
| Core capital (leverage) ratio | 9.1195% | 4,589 |
| Tier 1 risk-based capital ratio | 11.0219% | 5,237 |
| Total risk-based capital ratio | 12.1866% | 5,187 |
| Memoranda: |
| Average total assets | $446,355,670 | 1,573 |
| Average earning assets | $415,970,330 | 1,560 |
| Average equity | $40,071,330 | 1,868 |
| Average total loans | $339,337,000 | 1,419 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2050% | 2,264 |
| Cost of funding earning assets | 0.5720% | 1,564 |
| Net interest margin | 3.6330% | 2,766 |
| Noninterest income to average assets | 0.4960% | 3,009 |
| Noninterest expense to average assets | 2.3917% | 4,135 |
| Loan and lease loss provision to assets | 0.1599% | 1,126 |
| Net operating income to assets | 0.8738% | 2,891 |
| Return on assets (ROA) | 0.8738% | 2,943 |
| Pretax return on assets | 1.3307% | 2,133 |
| Return on Equity (ROE) | 9.7087% | 2,095 |
| Retained earnings to average equity (ytd only) | 5.6718% | 2,506 |
| Net charge-offs to loans | 0.0680% | 1,650 |
| Credit loss provision to net charge-offs | 308.7719% | 771 |
| Earnings coverage of net charge-offs (x) | 28.7895% | 1,243 |
| Efficiency ratio | 61.2307% | 4,278 |
| Assets per employee ($millions) | 4.4706% | 3,212 |
| Cash dividends to net income (ytd only)* | 41.5800% | 1,951 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2436% | 2,872 |
| Loan loss allowance to noncurrent loans | 120.5933% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 2,316 |
| Noncurrent loans to loans | 1.0312% | 1,995 |
| Net loans and leases to total assets | 74.3767% | 1,680 |
| Net loans and leases to deposits | 84.6940% | 2,192 |
| Net loans and leases to core deposits | 92.5757% | 2,113 |
| Total domestic deposits to total assets | 87.8181% | 1,814 |
| Equity capital to assets | 8.9545% | 4,853 |
| Core capital (leverage) ratio | 9.1746% | 4,518 |
| Tier 1 risk-based capital ratio | 11.2446% | 5,178 |
| Total risk-based capital ratio | 12.4189% | 5,116 |
| Memoranda: |
| Average total assets | $440,355,500 | 1,605 |
| Average earning assets | $410,463,500 | 1,588 |
| Average equity | $39,634,500 | 1,881 |
| Average total loans | $335,432,500 | 1,440 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1180% | 2,777 |
| Cost of funding earning assets | 0.5401% | 1,792 |
| Net interest margin | 3.5779% | 3,151 |
| Noninterest income to average assets | 0.8723% | 1,507 |
| Noninterest expense to average assets | 2.4605% | 4,126 |
| Loan and lease loss provision to assets | 0.1022% | 2,339 |
| Net operating income to assets | 1.0814% | 1,978 |
| Return on assets (ROA) | 1.0764% | 2,106 |
| Pretax return on assets | 1.6584% | 1,109 |
| Return on Equity (ROE) | 11.3208% | 1,458 |
| Retained earnings to average equity (ytd only) | 6.8428% | 1,289 |
| Net charge-offs to loans | 0.0503% | 3,039 |
| Credit loss provision to net charge-offs | 266.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 46.1458% | 1,060 |
| Efficiency ratio | 58.0454% | 4,844 |
| Assets per employee ($millions) | 4.3803% | 3,309 |
| Cash dividends to net income (ytd only)* | 39.5550% | 2,877 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2173% | 3,014 |
| Loan loss allowance to noncurrent loans | 103.0134% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 2,035 |
| Noncurrent loans to loans | 1.1817% | 1,737 |
| Net loans and leases to total assets | 76.1215% | 1,497 |
| Net loans and leases to deposits | 85.4474% | 2,243 |
| Net loans and leases to core deposits | 92.0220% | 2,301 |
| Total domestic deposits to total assets | 89.0857% | 1,074 |
| Equity capital to assets | 9.0480% | 4,766 |
| Core capital (leverage) ratio | 9.1813% | 4,503 |
| Tier 1 risk-based capital ratio | 11.2241% | 5,207 |
| Total risk-based capital ratio | 12.3759% | 5,153 |
| Memoranda: |
| Average total assets | $375,784,800 | 1,782 |
| Average earning assets | $352,529,400 | 1,760 |
| Average equity | $35,730,800 | 2,040 |
| Average total loans | $286,415,400 | 1,583 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9713% | 3,321 |
| Cost of funding earning assets | 0.5472% | 1,727 |
| Net interest margin | 3.4240% | 3,757 |
| Noninterest income to average assets | 0.8070% | 1,738 |
| Noninterest expense to average assets | 2.2318% | 4,685 |
| Loan and lease loss provision to assets | 0.0332% | 3,568 |
| Net operating income to assets | 1.3065% | 1,273 |
| Return on assets (ROA) | 1.3092% | 1,354 |
| Pretax return on assets | 1.7642% | 968 |
| Return on Equity (ROE) | 13.5724% | 897 |
| Retained earnings to average equity (ytd only) | 8.9819% | 825 |
| Net charge-offs to loans | 0.0136% | 3,475 |
| Credit loss provision to net charge-offs | 321.4286% | 981 |
| Earnings coverage of net charge-offs (x) | 173.6183% | 417 |
| Efficiency ratio | 55.4405% | 5,112 |
| Assets per employee ($millions) | 4.3076% | 3,401 |
| Cash dividends to net income (ytd only)* | 33.8219% | 2,650 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2252% | 3,091 |
| Loan loss allowance to noncurrent loans | 107.8160% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8894% | 2,335 |
| Noncurrent loans to loans | 1.1364% | 1,981 |
| Net loans and leases to total assets | 72.8038% | 2,044 |
| Net loans and leases to deposits | 81.6562% | 2,773 |
| Net loans and leases to core deposits | 87.6288% | 2,797 |
| Total domestic deposits to total assets | 89.1590% | 818 |
| Equity capital to assets | 9.3464% | 4,826 |
| Core capital (leverage) ratio | 10.7581% | 2,722 |
| Tier 1 risk-based capital ratio | 11.8731% | 4,871 |
| Total risk-based capital ratio | 13.0415% | 4,821 |
| Memoranda: |
| Average total assets | $361,317,750 | 1,852 |
| Average earning assets | $339,630,000 | 1,836 |
| Average equity | $34,854,250 | 2,097 |
| Average total loans | $274,476,500 | 1,648 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1345% | 2,735 |
| Cost of funding earning assets | 0.5731% | 1,523 |
| Net interest margin | 3.5613% | 3,244 |
| Noninterest income to average assets | 0.3472% | 4,296 |
| Noninterest expense to average assets | 2.3414% | 4,494 |
| Loan and lease loss provision to assets | 0.0355% | 3,446 |
| Net operating income to assets | 0.8759% | 2,983 |
| Return on assets (ROA) | 0.8759% | 3,094 |
| Pretax return on assets | 1.3183% | 2,334 |
| Return on Equity (ROE) | 8.9616% | 2,507 |
| Retained earnings to average equity (ytd only) | 4.1208% | 3,282 |
| Net charge-offs to loans | 0.0238% | 3,008 |
| Credit loss provision to net charge-offs | 193.5484% | 1,330 |
| Earnings coverage of net charge-offs (x) | 73.8387% | 745 |
| Efficiency ratio | 63.3643% | 4,126 |
| Assets per employee ($millions) | 4.5003% | 3,031 |
| Cash dividends to net income (ytd only)* | 54.0176% | 1,782 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4933% | 1,889 |
| Loan loss allowance to noncurrent loans | 256.7909% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 3,553 |
| Noncurrent loans to loans | 0.5815% | 3,322 |
| Net loans and leases to total assets | 74.3879% | 1,757 |
| Net loans and leases to deposits | 83.9745% | 2,472 |
| Net loans and leases to core deposits | 89.2638% | 2,607 |
| Total domestic deposits to total assets | 88.5839% | 1,124 |
| Equity capital to assets | 9.8317% | 4,410 |
| Core capital (leverage) ratio | 9.9032% | 3,677 |
| Tier 1 risk-based capital ratio | 12.0928% | 4,767 |
| Total risk-based capital ratio | 13.3445% | 4,689 |
| Memoranda: |
| Average total assets | $338,169,330 | 1,973 |
| Average earning assets | $317,913,330 | 1,941 |
| Average equity | $33,052,000 | 2,195 |
| Average total loans | $260,134,670 | 1,734 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1974% | 2,484 |
| Cost of funding earning assets | 0.5627% | 1,600 |
| Net interest margin | 3.6347% | 2,939 |
| Noninterest income to average assets | 0.3117% | 4,505 |
| Noninterest expense to average assets | 2.3959% | 4,385 |
| Loan and lease loss provision to assets | 0.0357% | 3,184 |
| Net operating income to assets | 0.8601% | 2,951 |
| Return on assets (ROA) | 0.8601% | 3,066 |
| Pretax return on assets | 1.2919% | 2,341 |
| Return on Equity (ROE) | 8.8266% | 2,508 |
| Retained earnings to average equity (ytd only) | 3.9433% | 3,521 |
| Net charge-offs to loans | -0.0092% | 4,489 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3450% | 4,063 |
| Assets per employee ($millions) | 4.6198% | 2,861 |
| Cash dividends to net income (ytd only)* | 55.3250% | 1,576 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4963% | 2,004 |
| Loan loss allowance to noncurrent loans | 222.3245% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 3,280 |
| Noncurrent loans to loans | 0.6730% | 3,155 |
| Net loans and leases to total assets | 75.4263% | 1,480 |
| Net loans and leases to deposits | 86.2015% | 2,044 |
| Net loans and leases to core deposits | 92.0697% | 2,172 |
| Total domestic deposits to total assets | 87.5000% | 1,927 |
| Equity capital to assets | 9.7922% | 4,353 |
| Core capital (leverage) ratio | 9.8042% | 3,768 |
| Tier 1 risk-based capital ratio | 12.1852% | 4,785 |
| Total risk-based capital ratio | 13.4372% | 4,692 |
| Memoranda: |
| Average total assets | $336,241,000 | 1,993 |
| Average earning assets | $315,624,500 | 1,970 |
| Average equity | $32,764,500 | 2,211 |
| Average total loans | $261,060,500 | 1,718 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1569% | 2,713 |
| Cost of funding earning assets | 0.4883% | 2,278 |
| Net interest margin | 3.6686% | 2,868 |
| Noninterest income to average assets | 0.3764% | 4,213 |
| Noninterest expense to average assets | 2.3064% | 4,768 |
| Loan and lease loss provision to assets | 0.0182% | 4,043 |
| Net operating income to assets | 0.9604% | 2,573 |
| Return on assets (ROA) | 0.9600% | 2,649 |
| Pretax return on assets | 1.4869% | 1,599 |
| Return on Equity (ROE) | 9.8273% | 2,072 |
| Retained earnings to average equity (ytd only) | 3.0071% | 3,918 |
| Net charge-offs to loans | 0.0205% | 3,852 |
| Credit loss provision to net charge-offs | 115.3846% | 2,212 |
| Earnings coverage of net charge-offs (x) | 95.6154% | 602 |
| Efficiency ratio | 60.5021% | 4,843 |
| Assets per employee ($millions) | 4.5923% | 2,889 |
| Cash dividends to net income (ytd only)* | 69.4006% | 1,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4506% | 2,206 |
| Loan loss allowance to noncurrent loans | 205.1447% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 3,089 |
| Noncurrent loans to loans | 0.7071% | 3,071 |
| Net loans and leases to total assets | 77.5742% | 1,181 |
| Net loans and leases to deposits | 88.2464% | 1,847 |
| Net loans and leases to core deposits | 94.3011% | 2,026 |
| Total domestic deposits to total assets | 87.9064% | 1,679 |
| Equity capital to assets | 9.6962% | 4,309 |
| Core capital (leverage) ratio | 9.7059% | 3,897 |
| Tier 1 risk-based capital ratio | 11.8456% | 5,045 |
| Total risk-based capital ratio | 13.0974% | 4,960 |
| Memoranda: |
| Average total assets | $330,207,000 | 1,990 |
| Average earning assets | $309,246,400 | 1,967 |
| Average equity | $32,257,200 | 2,187 |
| Average total loans | $253,989,200 | 1,704 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1381% | 2,786 |
| Cost of funding earning assets | 0.4811% | 2,401 |
| Net interest margin | 3.6570% | 2,932 |
| Noninterest income to average assets | 0.3778% | 4,230 |
| Noninterest expense to average assets | 2.2961% | 4,789 |
| Loan and lease loss provision to assets | 0.0122% | 4,028 |
| Net operating income to assets | 0.9639% | 2,648 |
| Return on assets (ROA) | 0.9639% | 2,738 |
| Pretax return on assets | 1.4924% | 1,698 |
| Return on Equity (ROE) | 9.8480% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.8785% | 3,001 |
| Net charge-offs to loans | 0.0064% | 3,951 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 309.3256% | 234 |
| Efficiency ratio | 60.4138% | 4,829 |
| Assets per employee ($millions) | 4.5406% | 2,937 |
| Cash dividends to net income (ytd only)* | 50.4625% | 1,846 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5013% | 2,157 |
| Loan loss allowance to noncurrent loans | 162.4207% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7982% | 2,891 |
| Noncurrent loans to loans | 0.9243% | 2,667 |
| Net loans and leases to total assets | 74.9414% | 1,560 |
| Net loans and leases to deposits | 84.5494% | 2,337 |
| Net loans and leases to core deposits | 90.6286% | 2,398 |
| Total domestic deposits to total assets | 88.6361% | 1,216 |
| Equity capital to assets | 9.7793% | 4,411 |
| Core capital (leverage) ratio | 9.8871% | 3,783 |
| Tier 1 risk-based capital ratio | 12.2547% | 4,921 |
| Total risk-based capital ratio | 13.5067% | 4,816 |
| Memoranda: |
| Average total assets | $328,950,000 | 2,010 |
| Average earning assets | $307,897,000 | 1,991 |
| Average equity | $32,195,250 | 2,207 |
| Average total loans | $251,515,500 | 1,726 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0948% | 2,913 |
| Cost of funding earning assets | 0.4721% | 2,496 |
| Net interest margin | 3.6227% | 3,003 |
| Noninterest income to average assets | 0.3821% | 4,222 |
| Noninterest expense to average assets | 2.4029% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8928% | 2,917 |
| Return on assets (ROA) | 0.8928% | 3,044 |
| Pretax return on assets | 1.3717% | 2,101 |
| Return on Equity (ROE) | 9.1199% | 2,475 |
| Retained earnings to average equity (ytd only) | 4.1158% | 3,405 |
| Net charge-offs to loans | 0.0088% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 203.6364% | 343 |
| Efficiency ratio | 63.6600% | 4,403 |
| Assets per employee ($millions) | 4.2499% | 3,388 |
| Cash dividends to net income (ytd only)* | 54.8697% | 1,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4808% | 2,378 |
| Loan loss allowance to noncurrent loans | 120.7290% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0549% | 2,397 |
| Noncurrent loans to loans | 1.2266% | 2,202 |
| Net loans and leases to total assets | 77.4385% | 1,147 |
| Net loans and leases to deposits | 87.7672% | 1,869 |
| Net loans and leases to core deposits | 94.3694% | 1,921 |
| Total domestic deposits to total assets | 88.2317% | 1,528 |
| Equity capital to assets | 9.8517% | 4,216 |
| Core capital (leverage) ratio | 9.9986% | 3,606 |
| Tier 1 risk-based capital ratio | 12.0349% | 5,122 |
| Total risk-based capital ratio | 13.2869% | 5,023 |
| Memoranda: |
| Average total assets | $326,598,670 | 2,038 |
| Average earning assets | $305,853,000 | 2,012 |
| Average equity | $31,974,000 | 2,224 |
| Average total loans | $250,139,330 | 1,741 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0303% | 3,123 |
| Cost of funding earning assets | 0.4611% | 2,669 |
| Net interest margin | 3.5693% | 3,128 |
| Noninterest income to average assets | 0.3187% | 4,636 |
| Noninterest expense to average assets | 2.4237% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8018% | 3,249 |
| Return on assets (ROA) | 0.8018% | 3,378 |
| Pretax return on assets | 1.2358% | 2,526 |
| Return on Equity (ROE) | 8.2157% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.1908% | 4,071 |
| Net charge-offs to loans | 0.0065% | 3,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 223 |
| Efficiency ratio | 66.2312% | 4,117 |
| Assets per employee ($millions) | 4.3772% | 3,238 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,397 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5316% | 2,315 |
| Loan loss allowance to noncurrent loans | 117.2711% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0842% | 2,451 |
| Noncurrent loans to loans | 1.3060% | 2,200 |
| Net loans and leases to total assets | 75.7418% | 1,250 |
| Net loans and leases to deposits | 84.6744% | 1,988 |
| Net loans and leases to core deposits | 90.0168% | 2,129 |
| Total domestic deposits to total assets | 89.4506% | 1,019 |
| Equity capital to assets | 9.8745% | 4,295 |
| Core capital (leverage) ratio | 9.8192% | 3,861 |
| Tier 1 risk-based capital ratio | 12.4884% | 4,913 |
| Total risk-based capital ratio | 13.7413% | 4,825 |
| Memoranda: |
| Average total assets | $326,276,500 | 2,044 |
| Average earning assets | $305,386,000 | 2,019 |
| Average equity | $31,841,500 | 2,243 |
| Average total loans | $246,598,500 | 1,765 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9407% | 3,965 |
| Cost of funding earning assets | 0.5063% | 2,610 |
| Net interest margin | 3.4344% | 4,048 |
| Noninterest income to average assets | 0.3223% | 4,813 |
| Noninterest expense to average assets | 2.3265% | 5,041 |
| Loan and lease loss provision to assets | 0.0809% | 2,861 |
| Net operating income to assets | 0.7403% | 3,678 |
| Return on assets (ROA) | 0.7401% | 3,784 |
| Pretax return on assets | 1.1170% | 3,021 |
| Return on Equity (ROE) | 7.8252% | 3,222 |
| Retained earnings to average equity (ytd only) | 1.4916% | 5,095 |
| Net charge-offs to loans | 0.0939% | 3,158 |
| Credit loss provision to net charge-offs | 120.5357% | 1,988 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,888 |
| Efficiency ratio | 66.0066% | 4,247 |
| Assets per employee ($millions) | 4.2680% | 3,423 |
| Cash dividends to net income (ytd only)* | 80.9389% | 870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5653% | 2,209 |
| Loan loss allowance to noncurrent loans | 121.5786% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0665% | 2,615 |
| Noncurrent loans to loans | 1.2875% | 2,299 |
| Net loans and leases to total assets | 73.0962% | 1,738 |
| Net loans and leases to deposits | 81.1180% | 2,591 |
| Net loans and leases to core deposits | 86.0400% | 2,685 |
| Total domestic deposits to total assets | 90.1110% | 690 |
| Equity capital to assets | 9.6453% | 4,538 |
| Core capital (leverage) ratio | 9.5879% | 4,119 |
| Tier 1 risk-based capital ratio | 12.7276% | 4,905 |
| Total risk-based capital ratio | 13.9813% | 4,810 |
| Memoranda: |
| Average total assets | $333,851,400 | 1,941 |
| Average earning assets | $311,291,400 | 1,923 |
| Average equity | $31,577,400 | 2,188 |
| Average total loans | $238,460,000 | 1,770 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8854% | 4,226 |
| Cost of funding earning assets | 0.5142% | 2,615 |
| Net interest margin | 3.3712% | 4,351 |
| Noninterest income to average assets | 0.3779% | 4,414 |
| Noninterest expense to average assets | 2.3125% | 5,074 |
| Loan and lease loss provision to assets | 0.1074% | 2,250 |
| Net operating income to assets | 0.7425% | 3,711 |
| Return on assets (ROA) | 0.7419% | 3,823 |
| Pretax return on assets | 1.1000% | 3,186 |
| Return on Equity (ROE) | 7.8821% | 3,275 |
| Retained earnings to average equity (ytd only) | 2.8105% | 4,601 |
| Net charge-offs to loans | 0.1249% | 2,555 |
| Credit loss provision to net charge-offs | 121.6216% | 1,897 |
| Earnings coverage of net charge-offs (x) | 13.6803% | 2,205 |
| Efficiency ratio | 65.6836% | 4,259 |
| Assets per employee ($millions) | 4.4263% | 3,095 |
| Cash dividends to net income (ytd only)* | 64.3433% | 1,217 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5808% | 2,369 |
| Loan loss allowance to noncurrent loans | 114.3284% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.4340% | 2,154 |
| Noncurrent loans to loans | 1.3827% | 2,338 |
| Net loans and leases to total assets | 72.6465% | 1,735 |
| Net loans and leases to deposits | 80.7096% | 2,586 |
| Net loans and leases to core deposits | 85.2480% | 2,750 |
| Total domestic deposits to total assets | 90.0097% | 726 |
| Equity capital to assets | 9.7433% | 4,492 |
| Core capital (leverage) ratio | 9.6330% | 4,182 |
| Tier 1 risk-based capital ratio | 12.9255% | 4,911 |
| Total risk-based capital ratio | 14.1792% | 4,822 |
| Memoranda: |
| Average total assets | $335,154,750 | 1,953 |
| Average earning assets | $312,446,500 | 1,926 |
| Average equity | $31,547,250 | 2,194 |
| Average total loans | $237,064,500 | 1,788 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8205% | 4,443 |
| Cost of funding earning assets | 0.5270% | 2,567 |
| Net interest margin | 3.2935% | 4,615 |
| Noninterest income to average assets | 0.3441% | 4,668 |
| Noninterest expense to average assets | 2.2085% | 5,395 |
| Loan and lease loss provision to assets | 0.1066% | 2,236 |
| Net operating income to assets | 0.7391% | 3,627 |
| Return on assets (ROA) | 0.7391% | 3,721 |
| Pretax return on assets | 1.0975% | 3,112 |
| Return on Equity (ROE) | 7.9427% | 3,129 |
| Retained earnings to average equity (ytd only) | 2.8512% | 4,391 |
| Net charge-offs to loans | 0.1045% | 2,637 |
| Credit loss provision to net charge-offs | 146.3415% | 1,480 |
| Earnings coverage of net charge-offs (x) | 16.5285% | 1,786 |
| Efficiency ratio | 64.7171% | 4,581 |
| Assets per employee ($millions) | 4.4893% | 2,938 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6110% | 2,422 |
| Loan loss allowance to noncurrent loans | 115.3221% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.4054% | 2,332 |
| Noncurrent loans to loans | 1.3969% | 2,467 |
| Net loans and leases to total assets | 69.4919% | 2,160 |
| Net loans and leases to deposits | 77.0647% | 2,922 |
| Net loans and leases to core deposits | 81.5865% | 3,020 |
| Total domestic deposits to total assets | 90.1734% | 724 |
| Equity capital to assets | 9.4281% | 4,813 |
| Core capital (leverage) ratio | 9.3955% | 4,474 |
| Tier 1 risk-based capital ratio | 12.9416% | 4,950 |
| Total risk-based capital ratio | 14.1958% | 4,885 |
| Memoranda: |
| Average total assets | $337,690,330 | 1,936 |
| Average earning assets | $314,618,000 | 1,907 |
| Average equity | $31,425,000 | 2,193 |
| Average total loans | $235,494,670 | 1,787 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7728% | 4,599 |
| Cost of funding earning assets | 0.5332% | 2,570 |
| Net interest margin | 3.2396% | 4,780 |
| Noninterest income to average assets | 0.3052% | 4,914 |
| Noninterest expense to average assets | 2.2106% | 5,435 |
| Loan and lease loss provision to assets | 0.1064% | 2,145 |
| Net operating income to assets | 0.6813% | 3,779 |
| Return on assets (ROA) | 0.6813% | 3,858 |
| Pretax return on assets | 1.0065% | 3,299 |
| Return on Equity (ROE) | 7.3691% | 3,274 |
| Retained earnings to average equity (ytd only) | 2.2517% | 4,704 |
| Net charge-offs to loans | 0.0632% | 2,524 |
| Credit loss provision to net charge-offs | 243.2432% | 920 |
| Earnings coverage of net charge-offs (x) | 25.4324% | 1,153 |
| Efficiency ratio | 66.5125% | 4,446 |
| Assets per employee ($millions) | 4.5179% | 2,945 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,164 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6331% | 2,566 |
| Loan loss allowance to noncurrent loans | 98.8889% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.5647% | 2,256 |
| Noncurrent loans to loans | 1.6515% | 2,353 |
| Net loans and leases to total assets | 68.0287% | 2,219 |
| Net loans and leases to deposits | 75.2975% | 2,904 |
| Net loans and leases to core deposits | 79.7962% | 2,989 |
| Total domestic deposits to total assets | 90.3466% | 893 |
| Equity capital to assets | 9.2626% | 4,797 |
| Core capital (leverage) ratio | 9.2730% | 4,613 |
| Tier 1 risk-based capital ratio | 13.1363% | 4,931 |
| Total risk-based capital ratio | 14.3907% | 4,858 |
| Memoranda: |
| Average total assets | $338,187,000 | 1,941 |
| Average earning assets | $315,098,000 | 1,909 |
| Average equity | $31,265,500 | 2,195 |
| Average total loans | $234,338,000 | 1,794 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9558% | 4,261 |
| Cost of funding earning assets | 0.6652% | 2,069 |
| Net interest margin | 3.2906% | 4,697 |
| Noninterest income to average assets | 0.5912% | 3,143 |
| Noninterest expense to average assets | 2.3067% | 5,368 |
| Loan and lease loss provision to assets | 0.1381% | 2,579 |
| Net operating income to assets | 0.7947% | 3,315 |
| Return on assets (ROA) | 0.7947% | 3,413 |
| Pretax return on assets | 1.1922% | 2,607 |
| Return on Equity (ROE) | 8.5583% | 2,754 |
| Retained earnings to average equity (ytd only) | 3.3852% | 3,819 |
| Net charge-offs to loans | 0.2123% | 2,764 |
| Credit loss provision to net charge-offs | 96.2343% | 2,596 |
| Earnings coverage of net charge-offs (x) | 9.2699% | 2,527 |
| Efficiency ratio | 63.4225% | 4,994 |
| Assets per employee ($millions) | 4.5004% | 2,900 |
| Cash dividends to net income (ytd only)* | 60.4458% | 1,740 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6105% | 2,716 |
| Loan loss allowance to noncurrent loans | 106.5801% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 2,629 |
| Noncurrent loans to loans | 1.5111% | 2,630 |
| Net loans and leases to total assets | 68.3091% | 2,299 |
| Net loans and leases to deposits | 75.5164% | 3,027 |
| Net loans and leases to core deposits | 79.9306% | 3,145 |
| Total domestic deposits to total assets | 90.4559% | 846 |
| Equity capital to assets | 9.2274% | 4,772 |
| Core capital (leverage) ratio | 9.2204% | 4,691 |
| Tier 1 risk-based capital ratio | 12.9626% | 4,999 |
| Total risk-based capital ratio | 14.2168% | 4,951 |
| Memoranda: |
| Average total assets | $333,070,000 | 1,931 |
| Average earning assets | $308,305,800 | 1,920 |
| Average equity | $30,929,200 | 2,200 |
| Average total loans | $225,156,000 | 1,819 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9831% | 4,199 |
| Cost of funding earning assets | 0.6904% | 2,014 |
| Net interest margin | 3.2928% | 4,667 |
| Noninterest income to average assets | 0.6692% | 2,784 |
| Noninterest expense to average assets | 2.2766% | 5,416 |
| Loan and lease loss provision to assets | 0.1084% | 2,954 |
| Net operating income to assets | 0.8832% | 2,918 |
| Return on assets (ROA) | 0.8832% | 3,031 |
| Pretax return on assets | 1.3283% | 2,218 |
| Return on Equity (ROE) | 9.4961% | 2,397 |
| Retained earnings to average equity (ytd only) | 4.3140% | 3,610 |
| Net charge-offs to loans | 0.1430% | 3,109 |
| Credit loss provision to net charge-offs | 112.9707% | 2,078 |
| Earnings coverage of net charge-offs (x) | 14.9665% | 1,899 |
| Efficiency ratio | 61.3088% | 5,227 |
| Assets per employee ($millions) | 4.5804% | 2,753 |
| Cash dividends to net income (ytd only)* | 54.5702% | 1,670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7138% | 2,584 |
| Loan loss allowance to noncurrent loans | 106.7281% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.5235% | 2,644 |
| Noncurrent loans to loans | 1.6057% | 2,765 |
| Net loans and leases to total assets | 64.6850% | 2,883 |
| Net loans and leases to deposits | 71.8201% | 3,532 |
| Net loans and leases to core deposits | 76.0810% | 3,606 |
| Total domestic deposits to total assets | 90.0653% | 957 |
| Equity capital to assets | 9.1975% | 4,938 |
| Core capital (leverage) ratio | 9.3280% | 4,653 |
| Tier 1 risk-based capital ratio | 13.6291% | 4,671 |
| Total risk-based capital ratio | 14.8845% | 4,626 |
| Memoranda: |
| Average total assets | $331,955,250 | 1,948 |
| Average earning assets | $306,887,500 | 1,939 |
| Average equity | $30,875,250 | 2,223 |
| Average total loans | $222,860,750 | 1,836 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0323% | 3,996 |
| Cost of funding earning assets | 0.7226% | 1,903 |
| Net interest margin | 3.3097% | 4,536 |
| Noninterest income to average assets | 0.6741% | 2,772 |
| Noninterest expense to average assets | 2.2602% | 5,477 |
| Loan and lease loss provision to assets | 0.1092% | 2,972 |
| Net operating income to assets | 0.8992% | 2,804 |
| Return on assets (ROA) | 0.8992% | 2,947 |
| Pretax return on assets | 1.3646% | 2,065 |
| Return on Equity (ROE) | 9.6311% | 2,355 |
| Retained earnings to average equity (ytd only) | 4.4321% | 3,455 |
| Net charge-offs to loans | 0.0431% | 4,077 |
| Credit loss provision to net charge-offs | 375.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 50.6042% | 798 |
| Efficiency ratio | 60.5297% | 5,400 |
| Assets per employee ($millions) | 4.5222% | 2,786 |
| Cash dividends to net income (ytd only)* | 53.9811% | 1,700 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7809% | 2,498 |
| Loan loss allowance to noncurrent loans | 143.2117% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 3,174 |
| Noncurrent loans to loans | 1.2436% | 3,469 |
| Net loans and leases to total assets | 64.6696% | 2,814 |
| Net loans and leases to deposits | 71.6980% | 3,494 |
| Net loans and leases to core deposits | 75.9790% | 3,545 |
| Total domestic deposits to total assets | 90.1973% | 913 |
| Equity capital to assets | 9.2191% | 4,961 |
| Core capital (leverage) ratio | 9.3393% | 4,482 |
| Tier 1 risk-based capital ratio | 13.7670% | 4,591 |
| Total risk-based capital ratio | 15.0233% | 4,557 |
| Memoranda: |
| Average total assets | $329,623,000 | 1,971 |
| Average earning assets | $304,740,670 | 1,959 |
| Average equity | $30,775,330 | 2,237 |
| Average total loans | $222,789,670 | 1,835 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0935% | 3,755 |
| Cost of funding earning assets | 0.7493% | 1,855 |
| Net interest margin | 3.3442% | 4,336 |
| Noninterest income to average assets | 0.6982% | 2,597 |
| Noninterest expense to average assets | 2.4407% | 4,978 |
| Loan and lease loss provision to assets | 0.1101% | 2,859 |
| Net operating income to assets | 0.8156% | 3,077 |
| Return on assets (ROA) | 0.8156% | 3,215 |
| Pretax return on assets | 1.2363% | 2,443 |
| Return on Equity (ROE) | 8.6800% | 2,636 |
| Retained earnings to average equity (ytd only) | 3.4746% | 4,168 |
| Net charge-offs to loans | 0.0089% | 3,973 |
| Credit loss provision to net charge-offs | 1,800.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 220.2000% | 183 |
| Efficiency ratio | 64.4495% | 4,932 |
| Assets per employee ($millions) | 4.5226% | 2,928 |
| Cash dividends to net income (ytd only)* | 59.9700% | 1,313 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7555% | 2,782 |
| Loan loss allowance to noncurrent loans | 100.2068% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.6162% | 2,836 |
| Noncurrent loans to loans | 1.7518% | 2,931 |
| Net loans and leases to total assets | 65.7207% | 2,417 |
| Net loans and leases to deposits | 73.3846% | 3,000 |
| Net loans and leases to core deposits | 78.5446% | 2,985 |
| Total domestic deposits to total assets | 89.5566% | 1,326 |
| Equity capital to assets | 9.3415% | 5,073 |
| Core capital (leverage) ratio | 9.3701% | 4,287 |
| Tier 1 risk-based capital ratio | 13.5105% | 4,866 |
| Total risk-based capital ratio | 14.7663% | 4,820 |
| Memoranda: |
| Average total assets | $327,114,000 | 2,015 |
| Average earning assets | $302,139,000 | 1,994 |
| Average equity | $30,737,500 | 2,259 |
| Average total loans | $224,017,000 | 1,836 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4717% | 3,515 |
| Cost of funding earning assets | 0.9743% | 1,498 |
| Net interest margin | 3.4974% | 4,511 |
| Noninterest income to average assets | 0.6260% | 3,135 |
| Noninterest expense to average assets | 2.2474% | 5,819 |
| Loan and lease loss provision to assets | 0.1628% | 3,580 |
| Net operating income to assets | 0.9823% | 2,417 |
| Return on assets (ROA) | 0.9979% | 2,568 |
| Pretax return on assets | 1.4982% | 1,681 |
| Return on Equity (ROE) | 10.4455% | 1,989 |
| Retained earnings to average equity (ytd only) | 5.0991% | 2,644 |
| Net charge-offs to loans | 0.1927% | 3,830 |
| Credit loss provision to net charge-offs | 119.1589% | 2,411 |
| Earnings coverage of net charge-offs (x) | 11.9860% | 1,978 |
| Efficiency ratio | 57.8472% | 5,852 |
| Assets per employee ($millions) | 4.2642% | 3,432 |
| Cash dividends to net income (ytd only)* | 51.1836% | 2,260 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6692% | 3,043 |
| Loan loss allowance to noncurrent loans | 122.9572% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 3,280 |
| Noncurrent loans to loans | 1.3575% | 3,564 |
| Net loans and leases to total assets | 68.9303% | 2,049 |
| Net loans and leases to deposits | 76.6900% | 2,691 |
| Net loans and leases to core deposits | 83.1072% | 2,657 |
| Total domestic deposits to total assets | 89.8818% | 1,022 |
| Equity capital to assets | 9.4527% | 4,933 |
| Core capital (leverage) ratio | 9.4581% | 4,172 |
| Tier 1 risk-based capital ratio | 12.9515% | 5,142 |
| Total risk-based capital ratio | 14.2063% | 5,080 |
| Memoranda: |
| Average total assets | $313,252,400 | 2,048 |
| Average earning assets | $291,900,200 | 2,027 |
| Average equity | $29,926,800 | 2,254 |
| Average total loans | $222,115,000 | 1,821 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5420% | 3,461 |
| Cost of funding earning assets | 1.0156% | 1,471 |
| Net interest margin | 3.5265% | 4,541 |
| Noninterest income to average assets | 0.5345% | 3,714 |
| Noninterest expense to average assets | 2.2888% | 5,714 |
| Loan and lease loss provision to assets | 0.1159% | 4,116 |
| Net operating income to assets | 0.9545% | 2,726 |
| Return on assets (ROA) | 0.9755% | 2,854 |
| Pretax return on assets | 1.4589% | 2,042 |
| Return on Equity (ROE) | 10.1824% | 2,263 |
| Retained earnings to average equity (ytd only) | 4.8044% | 3,510 |
| Net charge-offs to loans | 0.2530% | 3,204 |
| Credit loss provision to net charge-offs | 64.4391% | 4,039 |
| Earnings coverage of net charge-offs (x) | 8.5800% | 2,426 |
| Efficiency ratio | 59.7244% | 5,540 |
| Assets per employee ($millions) | 4.4816% | 2,945 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,574 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5905% | 3,555 |
| Loan loss allowance to noncurrent loans | 121.3701% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 3,510 |
| Noncurrent loans to loans | 1.3105% | 3,852 |
| Net loans and leases to total assets | 69.2444% | 2,060 |
| Net loans and leases to deposits | 77.0738% | 2,795 |
| Net loans and leases to core deposits | 83.6952% | 2,732 |
| Total domestic deposits to total assets | 89.8417% | 934 |
| Equity capital to assets | 9.5134% | 5,189 |
| Core capital (leverage) ratio | 9.4572% | 4,337 |
| Tier 1 risk-based capital ratio | 13.1119% | 5,161 |
| Total risk-based capital ratio | 14.3660% | 5,117 |
| Memoranda: |
| Average total assets | $310,546,000 | 2,098 |
| Average earning assets | $290,405,500 | 2,058 |
| Average equity | $29,750,000 | 2,284 |
| Average total loans | $220,848,750 | 1,845 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5906% | 3,406 |
| Cost of funding earning assets | 1.0612% | 1,407 |
| Net interest margin | 3.5293% | 4,553 |
| Noninterest income to average assets | 0.4838% | 4,030 |
| Noninterest expense to average assets | 2.2935% | 5,762 |
| Loan and lease loss provision to assets | 0.1169% | 4,058 |
| Net operating income to assets | 0.9241% | 2,788 |
| Return on assets (ROA) | 0.9559% | 2,887 |
| Pretax return on assets | 1.4227% | 2,121 |
| Return on Equity (ROE) | 9.9539% | 2,373 |
| Retained earnings to average equity (ytd only) | 4.5442% | 3,584 |
| Net charge-offs to loans | 0.1783% | 3,529 |
| Credit loss provision to net charge-offs | 91.8367% | 2,980 |
| Earnings coverage of net charge-offs (x) | 11.7245% | 1,938 |
| Efficiency ratio | 60.5832% | 5,487 |
| Assets per employee ($millions) | 4.4817% | 2,937 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,576 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6718% | 3,349 |
| Loan loss allowance to noncurrent loans | 106.5474% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.6451% | 3,255 |
| Noncurrent loans to loans | 1.5691% | 3,555 |
| Net loans and leases to total assets | 69.2535% | 2,064 |
| Net loans and leases to deposits | 77.1005% | 2,821 |
| Net loans and leases to core deposits | 83.4069% | 2,768 |
| Total domestic deposits to total assets | 89.8224% | 1,032 |
| Equity capital to assets | 9.5248% | 5,026 |
| Core capital (leverage) ratio | 9.4434% | 4,222 |
| Tier 1 risk-based capital ratio | 13.1404% | 5,084 |
| Total risk-based capital ratio | 14.3957% | 5,054 |
| Memoranda: |
| Average total assets | $307,997,330 | 2,108 |
| Average earning assets | $288,156,670 | 2,072 |
| Average equity | $29,576,330 | 2,284 |
| Average total loans | $219,834,670 | 1,856 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6402% | 3,311 |
| Cost of funding earning assets | 1.1135% | 1,331 |
| Net interest margin | 3.5266% | 4,578 |
| Noninterest income to average assets | 0.5912% | 3,293 |
| Noninterest expense to average assets | 2.4527% | 5,308 |
| Loan and lease loss provision to assets | 0.1180% | 3,871 |
| Net operating income to assets | 0.9076% | 2,880 |
| Return on assets (ROA) | 0.9727% | 2,788 |
| Pretax return on assets | 1.4197% | 2,124 |
| Return on Equity (ROE) | 10.0870% | 2,378 |
| Retained earnings to average equity (ytd only) | 4.6493% | 3,781 |
| Net charge-offs to loans | 0.3083% | 2,426 |
| Credit loss provision to net charge-offs | 53.2544% | 3,229 |
| Earnings coverage of net charge-offs (x) | 6.5148% | 2,196 |
| Efficiency ratio | 62.9542% | 5,115 |
| Assets per employee ($millions) | 4.4596% | 3,068 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,354 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6632% | 3,488 |
| Loan loss allowance to noncurrent loans | 165.7234% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 4,318 |
| Noncurrent loans to loans | 1.0036% | 4,669 |
| Net loans and leases to total assets | 69.7676% | 1,796 |
| Net loans and leases to deposits | 77.8611% | 2,541 |
| Net loans and leases to core deposits | 83.5561% | 2,600 |
| Total domestic deposits to total assets | 89.6052% | 1,297 |
| Equity capital to assets | 9.5989% | 4,654 |
| Core capital (leverage) ratio | 9.6006% | 3,922 |
| Tier 1 risk-based capital ratio | 13.2268% | 5,052 |
| Total risk-based capital ratio | 14.4817% | 5,023 |
| Memoranda: |
| Average total assets | $305,137,500 | 2,130 |
| Average earning assets | $285,938,000 | 2,092 |
| Average equity | $29,424,000 | 2,297 |
| Average total loans | $219,275,000 | 1,862 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8228% | 3,696 |
| Cost of funding earning assets | 1.3165% | 1,404 |
| Net interest margin | 3.5062% | 5,122 |
| Noninterest income to average assets | 0.5268% | 3,670 |
| Noninterest expense to average assets | 2.2346% | 6,199 |
| Loan and lease loss provision to assets | 0.2931% | 3,315 |
| Net operating income to assets | 0.8922% | 2,633 |
| Return on assets (ROA) | 0.8922% | 2,766 |
| Pretax return on assets | 1.2941% | 2,155 |
| Return on Equity (ROE) | 9.5703% | 2,218 |
| Retained earnings to average equity (ytd only) | 5.2594% | 2,480 |
| Net charge-offs to loans | 0.2721% | 4,068 |
| Credit loss provision to net charge-offs | 149.0630% | 1,902 |
| Earnings coverage of net charge-offs (x) | 8.0733% | 2,220 |
| Efficiency ratio | 58.4699% | 5,992 |
| Assets per employee ($millions) | 4.4494% | 2,992 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6846% | 3,259 |
| Loan loss allowance to noncurrent loans | 199.8922% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0699% | 4,476 |
| Noncurrent loans to loans | 0.8427% | 5,003 |
| Net loans and leases to total assets | 71.5638% | 1,721 |
| Net loans and leases to deposits | 79.9457% | 2,529 |
| Net loans and leases to core deposits | 85.9110% | 2,644 |
| Total domestic deposits to total assets | 89.5155% | 1,261 |
| Equity capital to assets | 9.6876% | 4,617 |
| Core capital (leverage) ratio | 9.5177% | 3,997 |
| Tier 1 risk-based capital ratio | 12.9108% | 5,147 |
| Total risk-based capital ratio | 14.1649% | 5,117 |
| Memoranda: |
| Average total assets | $298,574,400 | 2,148 |
| Average earning assets | $280,586,800 | 2,094 |
| Average equity | $27,836,000 | 2,340 |
| Average total loans | $215,694,200 | 1,906 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8027% | 4,008 |
| Cost of funding earning assets | 1.3661% | 1,388 |
| Net interest margin | 3.4366% | 5,436 |
| Noninterest income to average assets | 0.4893% | 3,954 |
| Noninterest expense to average assets | 2.2429% | 6,184 |
| Loan and lease loss provision to assets | 0.2375% | 3,634 |
| Net operating income to assets | 0.8643% | 2,891 |
| Return on assets (ROA) | 0.8643% | 3,039 |
| Pretax return on assets | 1.2416% | 2,484 |
| Return on Equity (ROE) | 9.3637% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.9949% | 3,177 |
| Net charge-offs to loans | 0.3461% | 3,366 |
| Credit loss provision to net charge-offs | 95.1526% | 3,601 |
| Earnings coverage of net charge-offs (x) | 5.9264% | 2,667 |
| Efficiency ratio | 60.2624% | 5,674 |
| Assets per employee ($millions) | 4.3887% | 3,092 |
| Cash dividends to net income (ytd only)* | 46.6562% | 1,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5587% | 3,853 |
| Loan loss allowance to noncurrent loans | 172.4225% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2871% | 4,237 |
| Noncurrent loans to loans | 0.9040% | 5,058 |
| Net loans and leases to total assets | 71.8476% | 1,741 |
| Net loans and leases to deposits | 80.3094% | 2,614 |
| Net loans and leases to core deposits | 86.9104% | 2,656 |
| Total domestic deposits to total assets | 89.4635% | 1,157 |
| Equity capital to assets | 9.6693% | 4,829 |
| Core capital (leverage) ratio | 9.3870% | 4,325 |
| Tier 1 risk-based capital ratio | 12.8024% | 5,245 |
| Total risk-based capital ratio | 14.0552% | 5,229 |
| Memoranda: |
| Average total assets | $297,577,500 | 2,154 |
| Average earning assets | $279,919,500 | 2,100 |
| Average equity | $27,467,250 | 2,363 |
| Average total loans | $214,559,000 | 1,931 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7421% | 4,340 |
| Cost of funding earning assets | 1.4044% | 1,403 |
| Net interest margin | 3.3377% | 5,751 |
| Noninterest income to average assets | 0.5220% | 3,688 |
| Noninterest expense to average assets | 2.3337% | 6,040 |
| Loan and lease loss provision to assets | 0.3162% | 2,894 |
| Net operating income to assets | 0.7279% | 3,397 |
| Return on assets (ROA) | 0.7279% | 3,514 |
| Pretax return on assets | 1.0219% | 3,153 |
| Return on Equity (ROE) | 8.0135% | 2,941 |
| Retained earnings to average equity (ytd only) | 3.5698% | 3,963 |
| Net charge-offs to loans | 0.5181% | 2,543 |
| Credit loss provision to net charge-offs | 84.9910% | 3,620 |
| Earnings coverage of net charge-offs (x) | 3.5967% | 3,114 |
| Efficiency ratio | 63.5581% | 5,327 |
| Assets per employee ($millions) | 4.4167% | 2,965 |
| Cash dividends to net income (ytd only)* | 55.4529% | 1,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5688% | 3,828 |
| Loan loss allowance to noncurrent loans | 126.0000% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.3242% | 4,258 |
| Noncurrent loans to loans | 1.2450% | 4,579 |
| Net loans and leases to total assets | 69.7571% | 2,271 |
| Net loans and leases to deposits | 77.8870% | 3,138 |
| Net loans and leases to core deposits | 85.3697% | 3,017 |
| Total domestic deposits to total assets | 89.5620% | 1,212 |
| Equity capital to assets | 9.1431% | 5,369 |
| Core capital (leverage) ratio | 8.9831% | 4,752 |
| Tier 1 risk-based capital ratio | 12.4259% | 5,419 |
| Total risk-based capital ratio | 13.6796% | 5,396 |
| Memoranda: |
| Average total assets | $297,293,670 | 2,165 |
| Average earning assets | $280,552,670 | 2,096 |
| Average equity | $27,004,330 | 2,384 |
| Average total loans | $213,475,670 | 1,966 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9029% | 3,577 |
| Cost of funding earning assets | 1.4538% | 1,369 |
| Net interest margin | 3.4491% | 5,229 |
| Noninterest income to average assets | 0.5464% | 3,538 |
| Noninterest expense to average assets | 2.3707% | 5,978 |
| Loan and lease loss provision to assets | 0.1623% | 4,006 |
| Net operating income to assets | 0.8858% | 2,637 |
| Return on assets (ROA) | 0.8858% | 2,704 |
| Pretax return on assets | 1.2699% | 2,132 |
| Return on Equity (ROE) | 9.7847% | 2,175 |
| Retained earnings to average equity (ytd only) | 5.3032% | 3,006 |
| Net charge-offs to loans | 0.1777% | 3,429 |
| Credit loss provision to net charge-offs | 126.3158% | 2,179 |
| Earnings coverage of net charge-offs (x) | 11.1474% | 1,575 |
| Efficiency ratio | 62.3400% | 5,626 |
| Assets per employee ($millions) | 4.4570% | 2,964 |
| Cash dividends to net income (ytd only)* | 45.8015% | 1,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6212% | 3,650 |
| Loan loss allowance to noncurrent loans | 96.7987% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.4403% | 4,110 |
| Noncurrent loans to loans | 1.6748% | 3,971 |
| Net loans and leases to total assets | 70.0465% | 2,116 |
| Net loans and leases to deposits | 78.0634% | 3,049 |
| Net loans and leases to core deposits | 84.8285% | 3,055 |
| Total domestic deposits to total assets | 89.7303% | 1,339 |
| Equity capital to assets | 9.0451% | 5,131 |
| Core capital (leverage) ratio | 9.0873% | 4,468 |
| Tier 1 risk-based capital ratio | 12.3982% | 5,352 |
| Total risk-based capital ratio | 13.6528% | 5,338 |
| Memoranda: |
| Average total assets | $295,773,000 | 2,185 |
| Average earning assets | $279,264,000 | 2,118 |
| Average equity | $26,776,500 | 2,395 |
| Average total loans | $213,791,500 | 1,979 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3138% | 3,062 |
| Cost of funding earning assets | 1.8888% | 879 |
| Net interest margin | 3.4250% | 5,529 |
| Noninterest income to average assets | 0.7386% | 2,602 |
| Noninterest expense to average assets | 2.2902% | 6,387 |
| Loan and lease loss provision to assets | 0.2044% | 5,198 |
| Net operating income to assets | 1.0096% | 2,008 |
| Return on assets (ROA) | 1.0096% | 2,116 |
| Pretax return on assets | 1.4551% | 1,498 |
| Return on Equity (ROE) | 11.0332% | 1,578 |
| Retained earnings to average equity (ytd only) | 6.4120% | 1,611 |
| Net charge-offs to loans | 0.2792% | 4,628 |
| Credit loss provision to net charge-offs | 94.6166% | 4,912 |
| Earnings coverage of net charge-offs (x) | 7.6819% | 2,080 |
| Efficiency ratio | 57.9854% | 6,335 |
| Assets per employee ($millions) | 4.2454% | 3,298 |
| Cash dividends to net income (ytd only)* | 41.8848% | 2,506 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5919% | 3,603 |
| Loan loss allowance to noncurrent loans | 111.7570% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 4,522 |
| Noncurrent loans to loans | 1.4244% | 4,352 |
| Net loans and leases to total assets | 72.2166% | 2,052 |
| Net loans and leases to deposits | 80.5879% | 3,062 |
| Net loans and leases to core deposits | 88.2875% | 3,013 |
| Total domestic deposits to total assets | 89.6122% | 1,315 |
| Equity capital to assets | 9.0612% | 5,057 |
| Core capital (leverage) ratio | 9.0309% | 4,488 |
| Tier 1 risk-based capital ratio | 12.0441% | 5,432 |
| Total risk-based capital ratio | 13.2980% | 5,412 |
| Memoranda: |
| Average total assets | $283,769,000 | 2,258 |
| Average earning assets | $266,043,600 | 2,208 |
| Average equity | $25,967,000 | 2,461 |
| Average total loans | $219,573,000 | 1,975 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3488% | 3,125 |
| Cost of funding earning assets | 1.9670% | 838 |
| Net interest margin | 3.3818% | 5,746 |
| Noninterest income to average assets | 0.6698% | 3,015 |
| Noninterest expense to average assets | 2.2438% | 6,480 |
| Loan and lease loss provision to assets | 0.1705% | 5,339 |
| Net operating income to assets | 0.9919% | 2,264 |
| Return on assets (ROA) | 0.9919% | 2,379 |
| Pretax return on assets | 1.4234% | 1,812 |
| Return on Equity (ROE) | 10.8118% | 1,849 |
| Retained earnings to average equity (ytd only) | 6.1649% | 2,278 |
| Net charge-offs to loans | 0.2175% | 4,638 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 9.3472% | 2,034 |
| Efficiency ratio | 58.4670% | 6,193 |
| Assets per employee ($millions) | 4.3238% | 3,214 |
| Cash dividends to net income (ytd only)* | 42.9799% | 1,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5864% | 3,580 |
| Loan loss allowance to noncurrent loans | 91.3538% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5965% | 4,056 |
| Noncurrent loans to loans | 1.7365% | 4,039 |
| Net loans and leases to total assets | 72.9000% | 2,033 |
| Net loans and leases to deposits | 81.9159% | 3,127 |
| Net loans and leases to core deposits | 90.6349% | 3,006 |
| Total domestic deposits to total assets | 88.9938% | 1,390 |
| Equity capital to assets | 9.0574% | 5,498 |
| Core capital (leverage) ratio | 8.9387% | 4,780 |
| Tier 1 risk-based capital ratio | 11.7108% | 5,722 |
| Total risk-based capital ratio | 12.9648% | 5,692 |
| Memoranda: |
| Average total assets | $281,478,750 | 2,307 |
| Average earning assets | $263,677,500 | 2,261 |
| Average equity | $25,823,000 | 2,510 |
| Average total loans | $220,724,750 | 1,998 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4086% | 2,939 |
| Cost of funding earning assets | 2.0387% | 805 |
| Net interest margin | 3.3699% | 5,757 |
| Noninterest income to average assets | 0.5626% | 3,607 |
| Noninterest expense to average assets | 2.1897% | 6,671 |
| Loan and lease loss provision to assets | 0.1731% | 5,134 |
| Net operating income to assets | 0.9542% | 2,348 |
| Return on assets (ROA) | 0.9542% | 2,437 |
| Pretax return on assets | 1.3567% | 1,928 |
| Return on Equity (ROE) | 10.3545% | 1,979 |
| Retained earnings to average equity (ytd only) | 5.6586% | 2,520 |
| Net charge-offs to loans | 0.2201% | 4,281 |
| Credit loss provision to net charge-offs | 98.3607% | 4,171 |
| Earnings coverage of net charge-offs (x) | 8.6926% | 2,108 |
| Efficiency ratio | 58.8714% | 6,250 |
| Assets per employee ($millions) | 4.2089% | 3,372 |
| Cash dividends to net income (ytd only)* | 45.3515% | 1,864 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5739% | 3,567 |
| Loan loss allowance to noncurrent loans | 144.8783% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.2724% | 4,603 |
| Noncurrent loans to loans | 1.0864% | 5,150 |
| Net loans and leases to total assets | 76.5292% | 1,383 |
| Net loans and leases to deposits | 86.3140% | 2,465 |
| Net loans and leases to core deposits | 98.1673% | 2,209 |
| Total domestic deposits to total assets | 88.6637% | 1,635 |
| Equity capital to assets | 9.1923% | 5,156 |
| Core capital (leverage) ratio | 9.1169% | 4,436 |
| Tier 1 risk-based capital ratio | 11.5221% | 5,752 |
| Total risk-based capital ratio | 12.7757% | 5,720 |
| Memoranda: |
| Average total assets | $277,300,000 | 2,355 |
| Average earning assets | $259,771,670 | 2,306 |
| Average equity | $25,554,000 | 2,532 |
| Average total loans | $221,702,330 | 2,008 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4137% | 2,971 |
| Cost of funding earning assets | 2.0878% | 847 |
| Net interest margin | 3.3259% | 5,881 |
| Noninterest income to average assets | 0.5135% | 3,944 |
| Noninterest expense to average assets | 2.0294% | 7,106 |
| Loan and lease loss provision to assets | 0.1746% | 4,775 |
| Net operating income to assets | 1.0053% | 2,157 |
| Return on assets (ROA) | 1.0053% | 2,225 |
| Pretax return on assets | 1.4243% | 1,711 |
| Return on Equity (ROE) | 10.8948% | 1,816 |
| Retained earnings to average equity (ytd only) | 6.1648% | 2,542 |
| Net charge-offs to loans | 0.1507% | 4,032 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 13.0833% | 1,523 |
| Efficiency ratio | 55.9342% | 6,773 |
| Assets per employee ($millions) | 4.2419% | 3,390 |
| Cash dividends to net income (ytd only)* | 43.4153% | 1,658 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5748% | 3,553 |
| Loan loss allowance to noncurrent loans | 156.8989% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 1.1765% | 4,822 |
| Noncurrent loans to loans | 1.0037% | 5,317 |
| Net loans and leases to total assets | 79.1330% | 960 |
| Net loans and leases to deposits | 90.6333% | 1,813 |
| Net loans and leases to core deposits | 104.4282% | 1,701 |
| Total domestic deposits to total assets | 87.3111% | 2,459 |
| Equity capital to assets | 9.2644% | 4,889 |
| Core capital (leverage) ratio | 9.2161% | 4,196 |
| Tier 1 risk-based capital ratio | 11.3029% | 5,852 |
| Total risk-based capital ratio | 12.5571% | 5,811 |
| Memoranda: |
| Average total assets | $274,951,500 | 2,430 |
| Average earning assets | $257,495,500 | 2,374 |
| Average equity | $25,370,000 | 2,575 |
| Average total loans | $222,923,000 | 2,053 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7812% | 2,737 |
| Cost of funding earning assets | 2.5938% | 795 |
| Net interest margin | 3.1874% | 6,142 |
| Noninterest income to average assets | 0.8421% | 2,218 |
| Noninterest expense to average assets | 2.1623% | 7,064 |
| Loan and lease loss provision to assets | 0.4078% | 4,368 |
| Net operating income to assets | 0.9154% | 2,127 |
| Return on assets (ROA) | 0.9154% | 2,192 |
| Pretax return on assets | 1.2749% | 1,767 |
| Return on Equity (ROE) | 9.9784% | 1,700 |
| Retained earnings to average equity (ytd only) | 5.0850% | 1,776 |
| Net charge-offs to loans | 0.2017% | 5,378 |
| Credit loss provision to net charge-offs | 246.0497% | 1,450 |
| Earnings coverage of net charge-offs (x) | 10.1535% | 1,716 |
| Efficiency ratio | 56.2366% | 6,983 |
| Assets per employee ($millions) | 4.0923% | 3,632 |
| Cash dividends to net income (ytd only)* | 49.0396% | 2,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5413% | 3,523 |
| Loan loss allowance to noncurrent loans | 152.8085% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0632% | 4,970 |
| Noncurrent loans to loans | 1.0086% | 5,296 |
| Net loans and leases to total assets | 80.4990% | 909 |
| Net loans and leases to deposits | 91.6586% | 1,936 |
| Net loans and leases to core deposits | 113.0684% | 2,592 |
| Total domestic deposits to total assets | 87.8248% | 2,064 |
| Equity capital to assets | 9.1895% | 4,861 |
| Core capital (leverage) ratio | 9.1363% | 4,222 |
| Tier 1 risk-based capital ratio | 10.9539% | 5,957 |
| Total risk-based capital ratio | 12.2073% | 5,925 |
| Memoranda: |
| Average total assets | $267,305,800 | 2,453 |
| Average earning assets | $251,834,000 | 2,388 |
| Average equity | $24,523,000 | 2,656 |
| Average total loans | $219,619,800 | 2,110 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7955% | 2,918 |
| Cost of funding earning assets | 2.6851% | 822 |
| Net interest margin | 3.1104% | 6,286 |
| Noninterest income to average assets | 0.9312% | 1,853 |
| Noninterest expense to average assets | 2.2099% | 6,948 |
| Loan and lease loss provision to assets | 0.4870% | 3,466 |
| Net operating income to assets | 0.8499% | 2,618 |
| Return on assets (ROA) | 0.8499% | 2,685 |
| Pretax return on assets | 1.1677% | 2,362 |
| Return on Equity (ROE) | 9.2683% | 2,173 |
| Retained earnings to average equity (ytd only) | 4.3413% | 2,843 |
| Net charge-offs to loans | 0.2472% | 4,504 |
| Credit loss provision to net charge-offs | 239.5062% | 1,828 |
| Earnings coverage of net charge-offs (x) | 8.1382% | 2,301 |
| Efficiency ratio | 57.1837% | 6,847 |
| Assets per employee ($millions) | 4.0666% | 3,611 |
| Cash dividends to net income (ytd only)* | 53.1600% | 1,876 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4961% | 3,473 |
| Loan loss allowance to noncurrent loans | 113.2259% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 4,414 |
| Noncurrent loans to loans | 1.3213% | 4,727 |
| Net loans and leases to total assets | 82.7440% | 705 |
| Net loans and leases to deposits | 96.3508% | 1,528 |
| Net loans and leases to core deposits | 120.0382% | 2,240 |
| Total domestic deposits to total assets | 85.8778% | 2,763 |
| Equity capital to assets | 9.2830% | 5,062 |
| Core capital (leverage) ratio | 9.0915% | 4,505 |
| Tier 1 risk-based capital ratio | 10.6769% | 6,269 |
| Total risk-based capital ratio | 11.9294% | 6,248 |
| Memoranda: |
| Average total assets | $265,587,000 | 2,475 |
| Average earning assets | $250,464,500 | 2,420 |
| Average equity | $24,354,750 | 2,704 |
| Average total loans | $218,482,750 | 2,138 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8008% | 3,038 |
| Cost of funding earning assets | 2.7734% | 851 |
| Net interest margin | 3.0275% | 6,466 |
| Noninterest income to average assets | 1.1018% | 1,309 |
| Noninterest expense to average assets | 2.2505% | 6,917 |
| Loan and lease loss provision to assets | 0.6726% | 2,416 |
| Net operating income to assets | 0.7663% | 2,985 |
| Return on assets (ROA) | 0.7663% | 3,091 |
| Pretax return on assets | 1.0331% | 2,871 |
| Return on Equity (ROE) | 8.3913% | 2,615 |
| Retained earnings to average equity (ytd only) | 3.4260% | 3,414 |
| Net charge-offs to loans | 0.1943% | 4,325 |
| Credit loss provision to net charge-offs | 423.8095% | 1,091 |
| Earnings coverage of net charge-offs (x) | 10.7476% | 1,965 |
| Efficiency ratio | 56.8863% | 7,007 |
| Assets per employee ($millions) | 3.9196% | 3,838 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,705 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5932% | 2,774 |
| Loan loss allowance to noncurrent loans | 112.1183% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.2839% | 4,369 |
| Noncurrent loans to loans | 1.4210% | 4,370 |
| Net loans and leases to total assets | 80.8307% | 1,164 |
| Net loans and leases to deposits | 93.7671% | 2,127 |
| Net loans and leases to core deposits | 118.3363% | 2,519 |
| Total domestic deposits to total assets | 86.2037% | 2,675 |
| Equity capital to assets | 9.0911% | 5,173 |
| Core capital (leverage) ratio | 8.9453% | 4,722 |
| Tier 1 risk-based capital ratio | 10.7470% | 6,139 |
| Total risk-based capital ratio | 11.9985% | 6,076 |
| Memoranda: |
| Average total assets | $264,651,670 | 2,493 |
| Average earning assets | $249,516,000 | 2,444 |
| Average equity | $24,168,000 | 2,734 |
| Average total loans | $216,159,670 | 2,189 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8988% | 2,801 |
| Cost of funding earning assets | 2.8593% | 852 |
| Net interest margin | 3.0395% | 6,375 |
| Noninterest income to average assets | 1.2468% | 921 |
| Noninterest expense to average assets | 2.0614% | 7,210 |
| Loan and lease loss provision to assets | 0.1820% | 4,624 |
| Net operating income to assets | 1.2847% | 1,420 |
| Return on assets (ROA) | 1.2847% | 1,520 |
| Pretax return on assets | 1.8687% | 863 |
| Return on Equity (ROE) | 14.0368% | 1,162 |
| Retained earnings to average equity (ytd only) | 9.0651% | 1,459 |
| Net charge-offs to loans | 0.2589% | 3,109 |
| Credit loss provision to net charge-offs | 86.3309% | 4,078 |
| Earnings coverage of net charge-offs (x) | 9.7266% | 2,028 |
| Efficiency ratio | 50.1291% | 7,581 |
| Assets per employee ($millions) | 4.0662% | 3,522 |
| Cash dividends to net income (ytd only)* | 35.4191% | 2,183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2888% | 4,137 |
| Loan loss allowance to noncurrent loans | 129.7209% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 4,955 |
| Noncurrent loans to loans | 0.9935% | 5,009 |
| Net loans and leases to total assets | 79.5973% | 1,460 |
| Net loans and leases to deposits | 92.5104% | 2,513 |
| Net loans and leases to core deposits | 118.6074% | 2,540 |
| Total domestic deposits to total assets | 86.0415% | 2,695 |
| Equity capital to assets | 9.1070% | 5,216 |
| Core capital (leverage) ratio | 9.0588% | 4,611 |
| Tier 1 risk-based capital ratio | 10.8983% | 5,995 |
| Total risk-based capital ratio | 12.1485% | 5,903 |
| Memoranda: |
| Average total assets | $263,709,500 | 2,517 |
| Average earning assets | $248,591,500 | 2,461 |
| Average equity | $24,136,500 | 2,750 |
| Average total loans | $214,774,000 | 2,222 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3031% | 3,948 |
| Cost of funding earning assets | 3.2530% | 1,039 |
| Net interest margin | 3.0501% | 6,789 |
| Noninterest income to average assets | 0.6395% | 3,557 |
| Noninterest expense to average assets | 2.0364% | 7,377 |
| Loan and lease loss provision to assets | 0.0837% | 6,343 |
| Net operating income to assets | 0.9831% | 2,617 |
| Return on assets (ROA) | 0.9831% | 2,505 |
| Pretax return on assets | 1.3674% | 2,065 |
| Return on Equity (ROE) | 10.7350% | 1,986 |
| Retained earnings to average equity (ytd only) | 5.5112% | 1,760 |
| Net charge-offs to loans | 0.0180% | 6,618 |
| Credit loss provision to net charge-offs | 583.3333% | 748 |
| Earnings coverage of net charge-offs (x) | 101.1111% | 431 |
| Efficiency ratio | 58.3905% | 6,628 |
| Assets per employee ($millions) | 4.1120% | 3,289 |
| Cash dividends to net income (ytd only)* | 48.6618% | 3,196 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3174% | 3,661 |
| Loan loss allowance to noncurrent loans | 114.6590% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 4,390 |
| Noncurrent loans to loans | 1.1490% | 4,242 |
| Net loans and leases to total assets | 81.1954% | 1,388 |
| Net loans and leases to deposits | 95.0689% | 2,599 |
| Net loans and leases to core deposits | 120.2013% | 2,671 |
| Total domestic deposits to total assets | 85.4068% | 2,663 |
| Equity capital to assets | 9.2000% | 5,082 |
| Core capital (leverage) ratio | 9.1844% | 4,469 |
| Tier 1 risk-based capital ratio | 10.6723% | 6,032 |
| Total risk-based capital ratio | 11.9225% | 5,936 |
| Memoranda: |
| Average total assets | $250,834,000 | 2,556 |
| Average earning assets | $234,218,000 | 2,518 |
| Average equity | $22,971,600 | 2,853 |
| Average total loans | $200,139,200 | 2,298 |
