| 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 | 4.7434% | 975 |
| Cost of funding earning assets | 0.5075% | 3,173 |
| Net interest margin | 4.2359% | 681 |
| Noninterest income to average assets | 0.5069% | 2,591 |
| Noninterest expense to average assets | 2.4655% | 2,949 |
| Loan and lease loss provision to assets | 0.4337% | 762 |
| Net operating income to assets | 1.2591% | 1,454 |
| Return on assets (ROA) | 1.6860% | 657 |
| Pretax return on assets | 2.1126% | 399 |
| Return on Equity (ROE) | 14.9870% | 691 |
| Retained earnings to average equity (ytd only) | 7.2968% | 1,591 |
| Net charge-offs to loans | 0.0195% | 2,466 |
| Credit loss provision to net charge-offs | 3,538.2353% | 301 |
| Earnings coverage of net charge-offs (x) | 164.2000% | 566 |
| Efficiency ratio | 53.2683% | 4,227 |
| Assets per employee ($millions) | 7.0681% | 1,452 |
| Cash dividends to net income (ytd only)* | 51.3128% | 1,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6634% | 957 |
| Loan loss allowance to noncurrent loans | 238.5012% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 2,154 |
| Noncurrent loans to loans | 0.6974% | 2,051 |
| Net loans and leases to total assets | 60.5528% | 3,158 |
| Net loans and leases to deposits | 70.0880% | 3,308 |
| Net loans and leases to core deposits | 78.7214% | 2,944 |
| Total domestic deposits to total assets | 86.3954% | 1,897 |
| Equity capital to assets | 11.7485% | 1,844 |
| Core capital (leverage) ratio | 9.7190% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,849,335,500 | 501 |
| Average earning assets | $1,733,722,000 | 496 |
| Average equity | $208,050,000 | 483 |
| Average total loans | $1,163,122,500 | 550 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8292% | 1,100 |
| Cost of funding earning assets | 0.5898% | 3,019 |
| Net interest margin | 4.2394% | 841 |
| Noninterest income to average assets | 0.5293% | 2,446 |
| Noninterest expense to average assets | 2.5632% | 2,788 |
| Loan and lease loss provision to assets | 0.4777% | 778 |
| Net operating income to assets | 1.1607% | 1,760 |
| Return on assets (ROA) | 1.7935% | 558 |
| Pretax return on assets | 2.2609% | 325 |
| Return on Equity (ROE) | 16.1812% | 534 |
| Retained earnings to average equity (ytd only) | 11.3003% | 567 |
| Net charge-offs to loans | 0.0258% | 2,206 |
| Credit loss provision to net charge-offs | 2,923.8411% | 370 |
| Earnings coverage of net charge-offs (x) | 118.5960% | 629 |
| Efficiency ratio | 55.1685% | 4,044 |
| Assets per employee ($millions) | 7.1028% | 1,387 |
| Cash dividends to net income (ytd only)* | 30.1641% | 2,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4597% | 1,380 |
| Loan loss allowance to noncurrent loans | 1,303.3733% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,880 |
| Noncurrent loans to loans | 0.1120% | 4,005 |
| Net loans and leases to total assets | 60.3096% | 3,291 |
| Net loans and leases to deposits | 69.4629% | 3,464 |
| Net loans and leases to core deposits | 77.3001% | 3,171 |
| Total domestic deposits to total assets | 86.8227% | 1,694 |
| Equity capital to assets | 11.1466% | 2,214 |
| Core capital (leverage) ratio | 9.6088% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,848,504,000 | 495 |
| Average earning assets | $1,731,667,000 | 490 |
| Average equity | $204,879,333 | 488 |
| Average total loans | $1,170,729,000 | 540 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0639% | 855 |
| Cost of funding earning assets | 0.7846% | 2,478 |
| Net interest margin | 4.2793% | 792 |
| Noninterest income to average assets | 0.6577% | 1,812 |
| Noninterest expense to average assets | 2.9083% | 2,097 |
| Loan and lease loss provision to assets | 0.3367% | 914 |
| Net operating income to assets | 1.0932% | 1,867 |
| Return on assets (ROA) | 2.3931% | 145 |
| Pretax return on assets | 3.0534% | 86 |
| Return on Equity (ROE) | 21.6582% | 121 |
| Retained earnings to average equity (ytd only) | 11.6005% | 472 |
| Net charge-offs to loans | 0.0393% | 1,647 |
| Credit loss provision to net charge-offs | 1,328.9474% | 472 |
| Earnings coverage of net charge-offs (x) | 68.8596% | 735 |
| Efficiency ratio | 60.7308% | 3,651 |
| Assets per employee ($millions) | 6.2237% | 1,503 |
| Cash dividends to net income (ytd only)* | 46.4382% | 1,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2508% | 2,384 |
| Loan loss allowance to noncurrent loans | 1,906.0367% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 4,093 |
| Noncurrent loans to loans | 0.0656% | 4,278 |
| Net loans and leases to total assets | 62.8814% | 3,205 |
| Net loans and leases to deposits | 72.3623% | 3,407 |
| Net loans and leases to core deposits | 82.2284% | 3,007 |
| Total domestic deposits to total assets | 86.8979% | 1,600 |
| Equity capital to assets | 10.9853% | 2,867 |
| Core capital (leverage) ratio | 9.8280% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,799,672,500 | 492 |
| Average earning assets | $1,680,272,500 | 483 |
| Average equity | $198,853,500 | 496 |
| Average total loans | $1,160,537,500 | 526 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2389% | 916 |
| Cost of funding earning assets | 1.0186% | 1,642 |
| Net interest margin | 4.2203% | 1,278 |
| Noninterest income to average assets | 0.6829% | 1,876 |
| Noninterest expense to average assets | 2.6133% | 3,139 |
| Loan and lease loss provision to assets | 0.1607% | 1,304 |
| Net operating income to assets | 1.4517% | 1,182 |
| Return on assets (ROA) | 1.4517% | 1,244 |
| Pretax return on assets | 1.8665% | 803 |
| Return on Equity (ROE) | 13.2347% | 1,100 |
| Retained earnings to average equity (ytd only) | 8.8735% | 744 |
| Net charge-offs to loans | 0.0644% | 2,174 |
| Credit loss provision to net charge-offs | 366.8675% | 761 |
| Earnings coverage of net charge-offs (x) | 46.2711% | 1,192 |
| Efficiency ratio | 54.7945% | 4,344 |
| Assets per employee ($millions) | 5.9591% | 1,656 |
| Cash dividends to net income (ytd only)* | 32.9530% | 2,948 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1314% | 2,779 |
| Loan loss allowance to noncurrent loans | 1,686.7609% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 4,110 |
| Noncurrent loans to loans | 0.0671% | 4,270 |
| Net loans and leases to total assets | 64.5770% | 3,125 |
| Net loans and leases to deposits | 74.3284% | 3,321 |
| Net loans and leases to core deposits | 85.0838% | 2,868 |
| Total domestic deposits to total assets | 86.8806% | 1,671 |
| Equity capital to assets | 11.1153% | 2,893 |
| Core capital (leverage) ratio | 9.4993% | 4,065 |
| Tier 1 risk-based capital ratio | 12.9645% | 3,808 |
| Total risk-based capital ratio | 13.9781% | 3,819 |
| Memoranda: |
| Average total assets | $1,515,545,800 | 545 |
| Average earning assets | $1,421,215,000 | 533 |
| Average equity | $166,237,200 | 554 |
| Average total loans | $1,030,447,200 | 557 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2323% | 973 |
| Cost of funding earning assets | 1.0557% | 1,517 |
| Net interest margin | 4.1765% | 1,427 |
| Noninterest income to average assets | 0.6548% | 1,966 |
| Noninterest expense to average assets | 2.5675% | 3,251 |
| Loan and lease loss provision to assets | 0.1199% | 1,636 |
| Net operating income to assets | 1.4575% | 1,311 |
| Return on assets (ROA) | 1.4574% | 1,363 |
| Pretax return on assets | 1.8925% | 880 |
| Return on Equity (ROE) | 13.3414% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.9207% | 289 |
| Net charge-offs to loans | 0.0773% | 1,720 |
| Credit loss provision to net charge-offs | 225.2159% | 1,192 |
| Earnings coverage of net charge-offs (x) | 37.8118% | 1,420 |
| Efficiency ratio | 54.5730% | 4,329 |
| Assets per employee ($millions) | 6.3620% | 1,353 |
| Cash dividends to net income (ytd only)* | 3.1536% | 3,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1936% | 2,543 |
| Loan loss allowance to noncurrent loans | 2,391.2871% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 4,440 |
| Noncurrent loans to loans | 0.0499% | 4,423 |
| Net loans and leases to total assets | 64.6601% | 3,220 |
| Net loans and leases to deposits | 74.0815% | 3,465 |
| Net loans and leases to core deposits | 85.8178% | 2,925 |
| Total domestic deposits to total assets | 87.2825% | 1,383 |
| Equity capital to assets | 10.9556% | 3,139 |
| Core capital (leverage) ratio | 9.6059% | 4,059 |
| Tier 1 risk-based capital ratio | 13.4192% | 3,623 |
| Total risk-based capital ratio | 14.5052% | 3,616 |
| Memoranda: |
| Average total assets | $1,450,481,500 | 569 |
| Average earning assets | $1,363,170,250 | 558 |
| Average equity | $158,450,000 | 591 |
| Average total loans | $998,088,250 | 579 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2069% | 970 |
| Cost of funding earning assets | 1.0862% | 1,351 |
| Net interest margin | 4.1208% | 1,550 |
| Noninterest income to average assets | 0.6464% | 1,939 |
| Noninterest expense to average assets | 2.5261% | 3,398 |
| Loan and lease loss provision to assets | 0.1091% | 1,713 |
| Net operating income to assets | 1.4518% | 1,288 |
| Return on assets (ROA) | 1.4503% | 1,347 |
| Pretax return on assets | 1.8788% | 872 |
| Return on Equity (ROE) | 13.2898% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.2898% | 275 |
| Net charge-offs to loans | 0.0938% | 1,424 |
| Credit loss provision to net charge-offs | 166.0944% | 1,390 |
| Earnings coverage of net charge-offs (x) | 30.2897% | 1,449 |
| Efficiency ratio | 54.3845% | 4,426 |
| Assets per employee ($millions) | 5.9532% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1633% | 2,711 |
| Loan loss allowance to noncurrent loans | 2,259.4961% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 4,332 |
| Noncurrent loans to loans | 0.0515% | 4,456 |
| Net loans and leases to total assets | 69.0427% | 2,670 |
| Net loans and leases to deposits | 79.3410% | 3,017 |
| Net loans and leases to core deposits | 92.3777% | 2,379 |
| Total domestic deposits to total assets | 87.0202% | 1,591 |
| Equity capital to assets | 11.3563% | 2,740 |
| Core capital (leverage) ratio | 10.2508% | 3,336 |
| Tier 1 risk-based capital ratio | 13.2356% | 3,718 |
| Total risk-based capital ratio | 14.3080% | 3,712 |
| Memoranda: |
| Average total assets | $1,418,651,670 | 574 |
| Average earning assets | $1,332,182,000 | 566 |
| Average equity | $154,810,000 | 601 |
| Average total loans | $993,550,000 | 578 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1560% | 990 |
| Cost of funding earning assets | 1.0624% | 1,324 |
| Net interest margin | 4.0936% | 1,563 |
| Noninterest income to average assets | 0.5728% | 2,169 |
| Noninterest expense to average assets | 2.3828% | 3,814 |
| Loan and lease loss provision to assets | 0.1160% | 1,517 |
| Net operating income to assets | 1.4556% | 1,216 |
| Return on assets (ROA) | 1.4524% | 1,254 |
| Pretax return on assets | 1.9061% | 788 |
| Return on Equity (ROE) | 13.5908% | 1,058 |
| Retained earnings to average equity (ytd only) | 13.5908% | 391 |
| Net charge-offs to loans | 0.1674% | 812 |
| Credit loss provision to net charge-offs | 98.7923% | 1,642 |
| Earnings coverage of net charge-offs (x) | 17.2585% | 1,666 |
| Efficiency ratio | 52.4119% | 4,668 |
| Assets per employee ($millions) | 5.7966% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1372% | 2,923 |
| Loan loss allowance to noncurrent loans | 1,319.3023% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,143 |
| Noncurrent loans to loans | 0.0862% | 4,366 |
| Net loans and leases to total assets | 69.4564% | 2,559 |
| Net loans and leases to deposits | 79.6074% | 2,881 |
| Net loans and leases to core deposits | 92.1699% | 2,285 |
| Total domestic deposits to total assets | 87.2486% | 1,688 |
| Equity capital to assets | 10.9188% | 2,932 |
| Core capital (leverage) ratio | 9.9052% | 3,707 |
| Tier 1 risk-based capital ratio | 12.7422% | 4,014 |
| Total risk-based capital ratio | 13.7861% | 4,024 |
| Memoranda: |
| Average total assets | $1,410,612,000 | 579 |
| Average earning assets | $1,321,866,500 | 571 |
| Average equity | $150,748,500 | 616 |
| Average total loans | $989,207,000 | 583 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9505% | 1,158 |
| Cost of funding earning assets | 0.8301% | 1,391 |
| Net interest margin | 4.1204% | 1,617 |
| Noninterest income to average assets | 0.6849% | 1,909 |
| Noninterest expense to average assets | 3.0520% | 1,927 |
| Loan and lease loss provision to assets | 0.0347% | 3,503 |
| Net operating income to assets | 1.2459% | 1,991 |
| Return on assets (ROA) | 1.2450% | 1,992 |
| Pretax return on assets | 1.4628% | 1,900 |
| Return on Equity (ROE) | 12.3999% | 1,580 |
| Retained earnings to average equity (ytd only) | 11.6097% | 361 |
| Net charge-offs to loans | 0.0384% | 2,627 |
| Credit loss provision to net charge-offs | 127.7778% | 2,064 |
| Earnings coverage of net charge-offs (x) | 55.2251% | 1,077 |
| Efficiency ratio | 65.3294% | 2,982 |
| Assets per employee ($millions) | 5.7657% | 1,702 |
| Cash dividends to net income (ytd only)* | 6.3727% | 3,914 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1575% | 2,784 |
| Loan loss allowance to noncurrent loans | 739.9609% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 3,913 |
| Noncurrent loans to loans | 0.1564% | 4,036 |
| Net loans and leases to total assets | 69.1850% | 2,707 |
| Net loans and leases to deposits | 78.6711% | 3,081 |
| Net loans and leases to core deposits | 90.7176% | 2,510 |
| Total domestic deposits to total assets | 87.9420% | 1,319 |
| Equity capital to assets | 10.4515% | 3,237 |
| Core capital (leverage) ratio | 9.6708% | 3,931 |
| Tier 1 risk-based capital ratio | 12.5071% | 4,132 |
| Total risk-based capital ratio | 13.5806% | 4,105 |
| Memoranda: |
| Average total assets | $1,260,402,800 | 622 |
| Average earning assets | $1,182,431,400 | 605 |
| Average equity | $126,549,400 | 682 |
| Average total loans | $889,854,400 | 621 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8395% | 1,321 |
| Cost of funding earning assets | 0.7699% | 1,485 |
| Net interest margin | 4.0696% | 1,724 |
| Noninterest income to average assets | 0.7121% | 1,825 |
| Noninterest expense to average assets | 3.1602% | 1,619 |
| Loan and lease loss provision to assets | 0.0251% | 3,512 |
| Net operating income to assets | 1.1855% | 2,289 |
| Return on assets (ROA) | 1.1843% | 2,298 |
| Pretax return on assets | 1.3438% | 2,454 |
| Return on Equity (ROE) | 11.9349% | 1,809 |
| Retained earnings to average equity (ytd only) | 11.9349% | 483 |
| Net charge-offs to loans | 0.0409% | 2,268 |
| Credit loss provision to net charge-offs | 86.8421% | 2,454 |
| Earnings coverage of net charge-offs (x) | 47.3418% | 1,212 |
| Efficiency ratio | 68.0526% | 2,528 |
| Assets per employee ($millions) | 5.6884% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1483% | 2,915 |
| Loan loss allowance to noncurrent loans | 7,480.6667% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,371 |
| Noncurrent loans to loans | 0.0154% | 4,844 |
| Net loans and leases to total assets | 70.7528% | 2,535 |
| Net loans and leases to deposits | 79.9616% | 3,049 |
| Net loans and leases to core deposits | 92.8499% | 2,401 |
| Total domestic deposits to total assets | 88.4835% | 1,054 |
| Equity capital to assets | 10.3195% | 3,309 |
| Core capital (leverage) ratio | 9.5268% | 4,142 |
| Tier 1 risk-based capital ratio | 12.3241% | 4,302 |
| Total risk-based capital ratio | 13.4038% | 4,305 |
| Memoranda: |
| Average total assets | $1,225,237,000 | 631 |
| Average earning assets | $1,149,632,000 | 618 |
| Average equity | $121,578,500 | 705 |
| Average total loans | $867,148,500 | 638 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6358% | 1,675 |
| Cost of funding earning assets | 0.7024% | 1,611 |
| Net interest margin | 3.9334% | 2,094 |
| Noninterest income to average assets | 0.7529% | 1,636 |
| Noninterest expense to average assets | 2.9773% | 2,110 |
| Loan and lease loss provision to assets | 0.0238% | 3,445 |
| Net operating income to assets | 1.3358% | 1,646 |
| Return on assets (ROA) | 1.3358% | 1,655 |
| Pretax return on assets | 1.4428% | 2,010 |
| Return on Equity (ROE) | 13.6734% | 1,162 |
| Retained earnings to average equity (ytd only) | 13.6734% | 310 |
| Net charge-offs to loans | 0.0335% | 2,181 |
| Credit loss provision to net charge-offs | 100.7194% | 2,006 |
| Earnings coverage of net charge-offs (x) | 62.1727% | 974 |
| Efficiency ratio | 65.4027% | 3,085 |
| Assets per employee ($millions) | 5.4472% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1800% | 2,835 |
| Loan loss allowance to noncurrent loans | 4,414.9020% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 3,755 |
| Noncurrent loans to loans | 0.0267% | 4,806 |
| Net loans and leases to total assets | 70.9322% | 2,443 |
| Net loans and leases to deposits | 80.0313% | 2,947 |
| Net loans and leases to core deposits | 91.9598% | 2,404 |
| Total domestic deposits to total assets | 88.6306% | 1,081 |
| Equity capital to assets | 10.4065% | 3,201 |
| Core capital (leverage) ratio | 9.5957% | 3,999 |
| Tier 1 risk-based capital ratio | 12.1406% | 4,409 |
| Total risk-based capital ratio | 13.2391% | 4,380 |
| Memoranda: |
| Average total assets | $1,178,580,670 | 650 |
| Average earning assets | $1,105,904,670 | 637 |
| Average equity | $115,143,670 | 737 |
| Average total loans | $830,483,670 | 663 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4210% | 2,126 |
| Cost of funding earning assets | 0.6463% | 1,738 |
| Net interest margin | 3.7747% | 2,524 |
| Noninterest income to average assets | 0.8143% | 1,407 |
| Noninterest expense to average assets | 2.9377% | 2,230 |
| Loan and lease loss provision to assets | 0.0109% | 3,383 |
| Net operating income to assets | 1.4690% | 1,153 |
| Return on assets (ROA) | 1.4690% | 1,152 |
| Pretax return on assets | 1.4143% | 1,959 |
| Return on Equity (ROE) | 15.6511% | 677 |
| Retained earnings to average equity (ytd only) | 15.6511% | 272 |
| Net charge-offs to loans | 0.0193% | 2,115 |
| Credit loss provision to net charge-offs | 81.0811% | 1,738 |
| Earnings coverage of net charge-offs (x) | 106.2432% | 587 |
| Efficiency ratio | 65.9216% | 3,171 |
| Assets per employee ($millions) | 5.0376% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4677% | 1,588 |
| Loan loss allowance to noncurrent loans | 1,287.0709% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,288 |
| Noncurrent loans to loans | 0.1140% | 4,456 |
| Net loans and leases to total assets | 67.5258% | 2,819 |
| Net loans and leases to deposits | 75.3878% | 3,282 |
| Net loans and leases to core deposits | 92.6031% | 2,251 |
| Total domestic deposits to total assets | 89.5713% | 847 |
| Equity capital to assets | 9.3243% | 4,247 |
| Core capital (leverage) ratio | 9.0582% | 4,616 |
| Tier 1 risk-based capital ratio | 11.9505% | 4,575 |
| Total risk-based capital ratio | 13.2019% | 4,470 |
| Memoranda: |
| Average total assets | $1,103,310,000 | 695 |
| Average earning assets | $1,037,230,000 | 681 |
| Average equity | $103,558,000 | 826 |
| Average total loans | $768,708,500 | 719 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5261% | 1,629 |
| Cost of funding earning assets | 0.5731% | 1,796 |
| Net interest margin | 3.9530% | 1,909 |
| Noninterest income to average assets | 0.8613% | 1,381 |
| Noninterest expense to average assets | 2.9602% | 2,273 |
| Loan and lease loss provision to assets | 0.2390% | 800 |
| Net operating income to assets | 1.3684% | 1,077 |
| Return on assets (ROA) | 1.3764% | 1,085 |
| Pretax return on assets | 1.3764% | 2,065 |
| Return on Equity (ROE) | 14.3795% | 706 |
| Retained earnings to average equity (ytd only) | 10.3813% | 301 |
| Net charge-offs to loans | 0.3225% | 786 |
| Credit loss provision to net charge-offs | 99.4428% | 2,615 |
| Earnings coverage of net charge-offs (x) | 6.6884% | 3,149 |
| Efficiency ratio | 63.3965% | 3,695 |
| Assets per employee ($millions) | 4.9021% | 2,597 |
| Cash dividends to net income (ytd only)* | 27.8048% | 3,387 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4599% | 1,545 |
| Loan loss allowance to noncurrent loans | 1,076.0994% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 3,910 |
| Noncurrent loans to loans | 0.1357% | 4,383 |
| Net loans and leases to total assets | 69.8114% | 2,546 |
| Net loans and leases to deposits | 78.0313% | 3,108 |
| Net loans and leases to core deposits | 94.3281% | 2,166 |
| Total domestic deposits to total assets | 89.4660% | 791 |
| Equity capital to assets | 9.4496% | 4,271 |
| Core capital (leverage) ratio | 8.9050% | 4,751 |
| Tier 1 risk-based capital ratio | 11.6406% | 4,762 |
| Total risk-based capital ratio | 12.8922% | 4,646 |
| Memoranda: |
| Average total assets | $970,734,000 | 763 |
| Average earning assets | $910,166,600 | 743 |
| Average equity | $92,917,200 | 882 |
| Average total loans | $723,515,000 | 730 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4894% | 1,678 |
| Cost of funding earning assets | 0.5552% | 1,855 |
| Net interest margin | 3.9342% | 1,918 |
| Noninterest income to average assets | 0.8837% | 1,323 |
| Noninterest expense to average assets | 3.0360% | 2,013 |
| Loan and lease loss provision to assets | 0.2677% | 619 |
| Net operating income to assets | 1.2698% | 1,434 |
| Return on assets (ROA) | 1.2807% | 1,428 |
| Pretax return on assets | 1.2807% | 2,582 |
| Return on Equity (ROE) | 13.3305% | 979 |
| Retained earnings to average equity (ytd only) | 7.8535% | 1,280 |
| Net charge-offs to loans | 0.4021% | 529 |
| Credit loss provision to net charge-offs | 88.0708% | 2,482 |
| Earnings coverage of net charge-offs (x) | 5.0583% | 3,158 |
| Efficiency ratio | 64.9706% | 3,379 |
| Assets per employee ($millions) | 4.8408% | 2,648 |
| Cash dividends to net income (ytd only)* | 41.0860% | 2,230 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4346% | 1,762 |
| Loan loss allowance to noncurrent loans | 2,261.3963% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,319 |
| Noncurrent loans to loans | 0.0634% | 4,826 |
| Net loans and leases to total assets | 72.3656% | 2,205 |
| Net loans and leases to deposits | 80.9245% | 2,884 |
| Net loans and leases to core deposits | 99.2595% | 1,773 |
| Total domestic deposits to total assets | 89.4237% | 685 |
| Equity capital to assets | 9.5323% | 4,415 |
| Core capital (leverage) ratio | 8.9312% | 4,823 |
| Tier 1 risk-based capital ratio | 11.2825% | 5,090 |
| Total risk-based capital ratio | 12.5340% | 4,980 |
| Memoranda: |
| Average total assets | $941,351,750 | 792 |
| Average earning assets | $882,859,500 | 773 |
| Average equity | $90,437,250 | 905 |
| Average total loans | $711,646,750 | 737 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4359% | 1,711 |
| Cost of funding earning assets | 0.5345% | 1,880 |
| Net interest margin | 3.9013% | 1,924 |
| Noninterest income to average assets | 0.8811% | 1,329 |
| Noninterest expense to average assets | 3.0541% | 1,962 |
| Loan and lease loss provision to assets | 0.2780% | 571 |
| Net operating income to assets | 1.2041% | 1,588 |
| Return on assets (ROA) | 1.2041% | 1,620 |
| Pretax return on assets | 1.2041% | 2,759 |
| Return on Equity (ROE) | 12.4955% | 1,163 |
| Retained earnings to average equity (ytd only) | 6.2798% | 1,975 |
| Net charge-offs to loans | 0.2696% | 755 |
| Credit loss provision to net charge-offs | 134.9036% | 1,638 |
| Earnings coverage of net charge-offs (x) | 7.1927% | 2,628 |
| Efficiency ratio | 65.9372% | 3,365 |
| Assets per employee ($millions) | 4.7115% | 2,771 |
| Cash dividends to net income (ytd only)* | 49.7435% | 1,881 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5624% | 1,353 |
| Loan loss allowance to noncurrent loans | 347.8848% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 3,520 |
| Noncurrent loans to loans | 0.4491% | 3,401 |
| Net loans and leases to total assets | 73.1387% | 2,014 |
| Net loans and leases to deposits | 81.9731% | 2,706 |
| Net loans and leases to core deposits | 99.7793% | 1,663 |
| Total domestic deposits to total assets | 89.2228% | 846 |
| Equity capital to assets | 9.7227% | 4,203 |
| Core capital (leverage) ratio | 8.9400% | 4,788 |
| Tier 1 risk-based capital ratio | 11.3392% | 5,062 |
| Total risk-based capital ratio | 12.5921% | 4,947 |
| Memoranda: |
| Average total assets | $906,596,330 | 834 |
| Average earning assets | $849,347,670 | 819 |
| Average equity | $87,359,330 | 935 |
| Average total loans | $692,968,670 | 755 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3517% | 1,810 |
| Cost of funding earning assets | 0.5258% | 1,893 |
| Net interest margin | 3.8259% | 2,029 |
| Noninterest income to average assets | 0.8191% | 1,490 |
| Noninterest expense to average assets | 2.9332% | 2,356 |
| Loan and lease loss provision to assets | 0.2929% | 475 |
| Net operating income to assets | 1.1747% | 1,572 |
| Return on assets (ROA) | 1.1747% | 1,615 |
| Pretax return on assets | 1.1747% | 2,694 |
| Return on Equity (ROE) | 12.2547% | 1,173 |
| Retained earnings to average equity (ytd only) | 8.7873% | 1,148 |
| Net charge-offs to loans | 0.0024% | 2,883 |
| Credit loss provision to net charge-offs | 15,750.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 789.2500% | 59 |
| Efficiency ratio | 65.4273% | 3,584 |
| Assets per employee ($millions) | 4.7966% | 2,700 |
| Cash dividends to net income (ytd only)* | 28.2944% | 2,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7743% | 1,011 |
| Loan loss allowance to noncurrent loans | 284.5694% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 3,068 |
| Noncurrent loans to loans | 0.6235% | 2,956 |
| Net loans and leases to total assets | 75.0185% | 1,574 |
| Net loans and leases to deposits | 84.0605% | 2,281 |
| Net loans and leases to core deposits | 101.7788% | 1,383 |
| Total domestic deposits to total assets | 89.2435% | 1,033 |
| Equity capital to assets | 9.5419% | 4,238 |
| Core capital (leverage) ratio | 9.1190% | 4,586 |
| Tier 1 risk-based capital ratio | 11.0048% | 5,311 |
| Total risk-based capital ratio | 12.2603% | 5,212 |
| Memoranda: |
| Average total assets | $860,479,500 | 880 |
| Average earning assets | $805,566,500 | 870 |
| Average equity | $82,482,500 | 988 |
| Average total loans | $668,390,000 | 788 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3339% | 2,033 |
| Cost of funding earning assets | 0.4449% | 2,579 |
| Net interest margin | 3.8890% | 1,999 |
| Noninterest income to average assets | 0.8531% | 1,565 |
| Noninterest expense to average assets | 2.9114% | 2,634 |
| Loan and lease loss provision to assets | 0.5414% | 249 |
| Net operating income to assets | 1.0589% | 2,096 |
| Return on assets (ROA) | 1.0770% | 2,104 |
| Pretax return on assets | 1.0770% | 3,193 |
| Return on Equity (ROE) | 11.2336% | 1,492 |
| Retained earnings to average equity (ytd only) | 4.3050% | 2,838 |
| Net charge-offs to loans | 0.4424% | 572 |
| Credit loss provision to net charge-offs | 157.9741% | 1,741 |
| Earnings coverage of net charge-offs (x) | 4.6695% | 3,465 |
| Efficiency ratio | 63.2977% | 4,061 |
| Assets per employee ($millions) | 4.6328% | 2,913 |
| Cash dividends to net income (ytd only)* | 61.6774% | 1,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6911% | 1,158 |
| Loan loss allowance to noncurrent loans | 360.9545% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 3,075 |
| Noncurrent loans to loans | 0.4685% | 3,471 |
| Net loans and leases to total assets | 77.6963% | 1,248 |
| Net loans and leases to deposits | 87.2907% | 2,013 |
| Net loans and leases to core deposits | 105.2116% | 1,182 |
| Total domestic deposits to total assets | 89.0087% | 1,114 |
| Equity capital to assets | 9.6312% | 4,141 |
| Core capital (leverage) ratio | 9.1979% | 4,483 |
| Tier 1 risk-based capital ratio | 11.0480% | 5,318 |
| Total risk-based capital ratio | 12.3028% | 5,202 |
| Memoranda: |
| Average total assets | $832,493,600 | 871 |
| Average earning assets | $783,152,400 | 859 |
| Average equity | $79,813,800 | 989 |
| Average total loans | $644,891,000 | 775 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3021% | 2,154 |
| Cost of funding earning assets | 0.4367% | 2,673 |
| Net interest margin | 3.8655% | 2,097 |
| Noninterest income to average assets | 0.8487% | 1,581 |
| Noninterest expense to average assets | 2.9160% | 2,591 |
| Loan and lease loss provision to assets | 0.5627% | 207 |
| Net operating income to assets | 1.0153% | 2,361 |
| Return on assets (ROA) | 1.0402% | 2,367 |
| Pretax return on assets | 1.0402% | 3,471 |
| Return on Equity (ROE) | 10.8623% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.9396% | 2,871 |
| Net charge-offs to loans | 0.5777% | 364 |
| Credit loss provision to net charge-offs | 126.3804% | 2,005 |
| Earnings coverage of net charge-offs (x) | 3.5442% | 3,402 |
| Efficiency ratio | 63.6468% | 3,977 |
| Assets per employee ($millions) | 4.6428% | 2,852 |
| Cash dividends to net income (ytd only)* | 54.5258% | 1,674 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5946% | 1,487 |
| Loan loss allowance to noncurrent loans | 377.0408% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 3,867 |
| Noncurrent loans to loans | 0.4229% | 3,767 |
| Net loans and leases to total assets | 76.8251% | 1,394 |
| Net loans and leases to deposits | 87.3918% | 2,096 |
| Net loans and leases to core deposits | 107.7590% | 1,068 |
| Total domestic deposits to total assets | 87.9088% | 1,441 |
| Equity capital to assets | 9.8264% | 4,330 |
| Core capital (leverage) ratio | 9.0105% | 4,820 |
| Tier 1 risk-based capital ratio | 11.0724% | 5,340 |
| Total risk-based capital ratio | 12.3262% | 5,234 |
| Memoranda: |
| Average total assets | $829,823,500 | 873 |
| Average earning assets | $782,568,250 | 855 |
| Average equity | $79,465,250 | 998 |
| Average total loans | $639,517,750 | 776 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2627% | 2,284 |
| Cost of funding earning assets | 0.4245% | 2,782 |
| Net interest margin | 3.8382% | 2,181 |
| Noninterest income to average assets | 0.8059% | 1,691 |
| Noninterest expense to average assets | 2.9397% | 2,551 |
| Loan and lease loss provision to assets | 0.5450% | 223 |
| Net operating income to assets | 0.9402% | 2,675 |
| Return on assets (ROA) | 0.9472% | 2,779 |
| Pretax return on assets | 0.9472% | 3,783 |
| Return on Equity (ROE) | 9.9781% | 2,062 |
| Retained earnings to average equity (ytd only) | 3.8053% | 3,462 |
| Net charge-offs to loans | 0.3579% | 652 |
| Credit loss provision to net charge-offs | 198.4197% | 1,317 |
| Earnings coverage of net charge-offs (x) | 5.4074% | 2,861 |
| Efficiency ratio | 65.1771% | 3,814 |
| Assets per employee ($millions) | 4.5085% | 3,011 |
| Cash dividends to net income (ytd only)* | 61.8635% | 1,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6567% | 1,379 |
| Loan loss allowance to noncurrent loans | 1,077.9116% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 4,773 |
| Noncurrent loans to loans | 0.1537% | 4,825 |
| Net loans and leases to total assets | 77.6699% | 1,244 |
| Net loans and leases to deposits | 86.9884% | 2,130 |
| Net loans and leases to core deposits | 108.7780% | 997 |
| Total domestic deposits to total assets | 89.2877% | 767 |
| Equity capital to assets | 9.7796% | 4,474 |
| Core capital (leverage) ratio | 8.7102% | 5,161 |
| Tier 1 risk-based capital ratio | 10.8363% | 5,511 |
| Total risk-based capital ratio | 12.0908% | 5,427 |
| Memoranda: |
| Average total assets | $829,412,330 | 876 |
| Average earning assets | $782,036,670 | 854 |
| Average equity | $78,732,670 | 1,010 |
| Average total loans | $636,421,670 | 780 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2309% | 2,367 |
| Cost of funding earning assets | 0.4102% | 2,961 |
| Net interest margin | 3.8208% | 2,219 |
| Noninterest income to average assets | 0.7186% | 1,946 |
| Noninterest expense to average assets | 2.8475% | 2,896 |
| Loan and lease loss provision to assets | 0.5301% | 220 |
| Net operating income to assets | 0.9426% | 2,545 |
| Return on assets (ROA) | 0.9565% | 2,601 |
| Pretax return on assets | 0.9565% | 3,637 |
| Return on Equity (ROE) | 10.2288% | 1,887 |
| Retained earnings to average equity (ytd only) | 5.0990% | 2,873 |
| Net charge-offs to loans | 0.4738% | 470 |
| Credit loss provision to net charge-offs | 147.9250% | 1,287 |
| Earnings coverage of net charge-offs (x) | 4.1098% | 2,466 |
| Efficiency ratio | 64.6347% | 4,026 |
| Assets per employee ($millions) | 4.6075% | 2,885 |
| Cash dividends to net income (ytd only)* | 50.1505% | 1,743 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5783% | 1,685 |
| Loan loss allowance to noncurrent loans | 1,007.3737% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 5,056 |
| Noncurrent loans to loans | 0.1567% | 4,855 |
| Net loans and leases to total assets | 74.9879% | 1,553 |
| Net loans and leases to deposits | 83.8007% | 2,328 |
| Net loans and leases to core deposits | 102.3427% | 1,308 |
| Total domestic deposits to total assets | 89.4836% | 846 |
| Equity capital to assets | 9.5151% | 4,656 |
| Core capital (leverage) ratio | 8.6895% | 5,187 |
| Tier 1 risk-based capital ratio | 11.0831% | 5,463 |
| Total risk-based capital ratio | 12.3368% | 5,368 |
| Memoranda: |
| Average total assets | $833,846,500 | 874 |
| Average earning assets | $786,023,500 | 850 |
| Average equity | $77,976,000 | 1,024 |
| Average total loans | $630,606,500 | 784 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4328% | 1,796 |
| Cost of funding earning assets | 0.4055% | 3,097 |
| Net interest margin | 4.0273% | 1,625 |
| Noninterest income to average assets | 0.8017% | 1,782 |
| Noninterest expense to average assets | 2.8078% | 3,194 |
| Loan and lease loss provision to assets | 0.3680% | 386 |
| Net operating income to assets | 1.4160% | 1,012 |
| Return on assets (ROA) | 1.4221% | 1,038 |
| Pretax return on assets | 1.4221% | 1,815 |
| Return on Equity (ROE) | 16.0401% | 552 |
| Retained earnings to average equity (ytd only) | 9.8525% | 484 |
| Net charge-offs to loans | 0.0483% | 3,240 |
| Credit loss provision to net charge-offs | 1,021.7391% | 328 |
| Earnings coverage of net charge-offs (x) | 49.5326% | 1,009 |
| Efficiency ratio | 59.8926% | 4,919 |
| Assets per employee ($millions) | 4.7098% | 2,718 |
| Cash dividends to net income (ytd only)* | 38.5759% | 2,922 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5278% | 1,870 |
| Loan loss allowance to noncurrent loans | 886.9926% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 5,079 |
| Noncurrent loans to loans | 0.1722% | 4,799 |
| Net loans and leases to total assets | 73.9212% | 1,744 |
| Net loans and leases to deposits | 82.5272% | 2,530 |
| Net loans and leases to core deposits | 98.1736% | 1,660 |
| Total domestic deposits to total assets | 89.5719% | 813 |
| Equity capital to assets | 9.1894% | 4,924 |
| Core capital (leverage) ratio | 8.6190% | 5,312 |
| Tier 1 risk-based capital ratio | 10.9111% | 5,564 |
| Total risk-based capital ratio | 12.1640% | 5,478 |
| Memoranda: |
| Average total assets | $766,338,800 | 905 |
| Average earning assets | $721,169,800 | 880 |
| Average equity | $67,942,400 | 1,122 |
| Average total loans | $571,931,000 | 820 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4230% | 1,839 |
| Cost of funding earning assets | 0.4053% | 3,174 |
| Net interest margin | 4.0177% | 1,646 |
| Noninterest income to average assets | 0.8481% | 1,628 |
| Noninterest expense to average assets | 2.8076% | 3,156 |
| Loan and lease loss provision to assets | 0.3768% | 337 |
| Net operating income to assets | 1.4489% | 1,011 |
| Return on assets (ROA) | 1.4572% | 1,036 |
| Pretax return on assets | 1.4572% | 1,811 |
| Return on Equity (ROE) | 16.6063% | 521 |
| Retained earnings to average equity (ytd only) | 8.0727% | 1,220 |
| Net charge-offs to loans | -0.0084% | 4,933 |
| Credit loss provision to net charge-offs | -6,042.8571% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3386% | 4,967 |
| Assets per employee ($millions) | 4.8331% | 2,514 |
| Cash dividends to net income (ytd only)* | 51.3877% | 1,815 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5057% | 2,132 |
| Loan loss allowance to noncurrent loans | 950.6186% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 5,257 |
| Noncurrent loans to loans | 0.1584% | 5,013 |
| Net loans and leases to total assets | 75.6384% | 1,441 |
| Net loans and leases to deposits | 87.8067% | 1,928 |
| Net loans and leases to core deposits | 103.9508% | 1,231 |
| Total domestic deposits to total assets | 86.1419% | 2,461 |
| Equity capital to assets | 9.2142% | 5,100 |
| Core capital (leverage) ratio | 8.5186% | 5,540 |
| Tier 1 risk-based capital ratio | 10.5762% | 5,848 |
| Total risk-based capital ratio | 11.8289% | 5,776 |
| Memoranda: |
| Average total assets | $748,337,500 | 931 |
| Average earning assets | $705,022,000 | 906 |
| Average equity | $65,668,250 | 1,160 |
| Average total loans | $557,581,500 | 844 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3959% | 1,862 |
| Cost of funding earning assets | 0.4123% | 3,133 |
| Net interest margin | 3.9837% | 1,687 |
| Noninterest income to average assets | 0.8227% | 1,688 |
| Noninterest expense to average assets | 2.8299% | 3,132 |
| Loan and lease loss provision to assets | 0.3853% | 323 |
| Net operating income to assets | 1.3618% | 1,162 |
| Return on assets (ROA) | 1.3618% | 1,206 |
| Pretax return on assets | 1.3618% | 2,142 |
| Return on Equity (ROE) | 15.8060% | 631 |
| Retained earnings to average equity (ytd only) | 5.9653% | 2,264 |
| Net charge-offs to loans | 0.0089% | 3,595 |
| Credit loss provision to net charge-offs | 5,875.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 266.4167% | 258 |
| Efficiency ratio | 60.5695% | 4,901 |
| Assets per employee ($millions) | 5.0656% | 2,184 |
| Cash dividends to net income (ytd only)* | 62.2592% | 1,458 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3812% | 2,844 |
| Loan loss allowance to noncurrent loans | 1,939.6789% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 5,634 |
| Noncurrent loans to loans | 0.0712% | 5,451 |
| Net loans and leases to total assets | 75.9243% | 1,376 |
| Net loans and leases to deposits | 84.1661% | 2,295 |
| Net loans and leases to core deposits | 97.0555% | 1,714 |
| Total domestic deposits to total assets | 90.2077% | 573 |
| Equity capital to assets | 8.9005% | 5,344 |
| Core capital (leverage) ratio | 8.2103% | 5,781 |
| Tier 1 risk-based capital ratio | 10.0087% | 6,085 |
| Total risk-based capital ratio | 11.2594% | 6,038 |
| Memoranda: |
| Average total assets | $731,965,000 | 948 |
| Average earning assets | $689,819,000 | 932 |
| Average equity | $63,064,670 | 1,210 |
| Average total loans | $539,307,670 | 876 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3724% | 1,862 |
| Cost of funding earning assets | 0.4226% | 3,037 |
| Net interest margin | 3.9497% | 1,716 |
| Noninterest income to average assets | 0.7511% | 1,912 |
| Noninterest expense to average assets | 2.8571% | 3,041 |
| Loan and lease loss provision to assets | 0.4027% | 285 |
| Net operating income to assets | 1.2121% | 1,511 |
| Return on assets (ROA) | 1.2121% | 1,604 |
| Pretax return on assets | 1.2121% | 2,618 |
| Return on Equity (ROE) | 14.3369% | 815 |
| Retained earnings to average equity (ytd only) | 7.5130% | 1,759 |
| Net charge-offs to loans | 0.0231% | 2,693 |
| Credit loss provision to net charge-offs | 2,431.0345% | 171 |
| Earnings coverage of net charge-offs (x) | 97.4828% | 510 |
| Efficiency ratio | 62.6772% | 4,675 |
| Assets per employee ($millions) | 5.1551% | 2,166 |
| Cash dividends to net income (ytd only)* | 47.5966% | 1,810 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3882% | 2,970 |
| Loan loss allowance to noncurrent loans | 1,760.6818% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 5,707 |
| Noncurrent loans to loans | 0.0788% | 5,463 |
| Net loans and leases to total assets | 67.9962% | 2,439 |
| Net loans and leases to deposits | 75.0254% | 3,160 |
| Net loans and leases to core deposits | 85.7958% | 2,572 |
| Total domestic deposits to total assets | 90.6309% | 483 |
| Equity capital to assets | 8.7303% | 5,555 |
| Core capital (leverage) ratio | 8.7136% | 5,312 |
| Tier 1 risk-based capital ratio | 10.6142% | 5,976 |
| Total risk-based capital ratio | 11.8646% | 5,902 |
| Memoranda: |
| Average total assets | $700,297,500 | 996 |
| Average earning assets | $659,688,000 | 974 |
| Average equity | $59,204,000 | 1,294 |
| Average total loans | $502,820,000 | 931 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5747% | 1,625 |
| Cost of funding earning assets | 0.4692% | 2,989 |
| Net interest margin | 4.1055% | 1,563 |
| Noninterest income to average assets | 1.1614% | 893 |
| Noninterest expense to average assets | 3.1259% | 2,433 |
| Loan and lease loss provision to assets | 0.4417% | 377 |
| Net operating income to assets | 1.4380% | 1,004 |
| Return on assets (ROA) | 1.4711% | 969 |
| Pretax return on assets | 1.4711% | 1,651 |
| Return on Equity (ROE) | 17.7992% | 417 |
| Retained earnings to average equity (ytd only) | 15.5615% | 133 |
| Net charge-offs to loans | -0.0092% | 5,542 |
| Credit loss provision to net charge-offs | -6,236.1111% | 6,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6540% | 4,961 |
| Assets per employee ($millions) | 4.4123% | 3,170 |
| Cash dividends to net income (ytd only)* | 12.5719% | 4,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5799% | 2,155 |
| Loan loss allowance to noncurrent loans | 1,047.5556% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 5,218 |
| Noncurrent loans to loans | 0.1508% | 5,292 |
| Net loans and leases to total assets | 74.5030% | 1,495 |
| Net loans and leases to deposits | 82.0286% | 2,467 |
| Net loans and leases to core deposits | 96.0848% | 1,715 |
| Total domestic deposits to total assets | 90.8256% | 421 |
| Equity capital to assets | 8.0760% | 6,028 |
| Core capital (leverage) ratio | 8.3246% | 5,754 |
| Tier 1 risk-based capital ratio | 9.9715% | 6,269 |
| Total risk-based capital ratio | 11.2245% | 6,217 |
| Memoranda: |
| Average total assets | $508,271,000 | 1,318 |
| Average earning assets | $475,919,600 | 1,282 |
| Average equity | $42,007,600 | 1,710 |
| Average total loans | $391,152,000 | 1,130 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5974% | 1,569 |
| Cost of funding earning assets | 0.4836% | 2,919 |
| Net interest margin | 4.1137% | 1,534 |
| Noninterest income to average assets | 1.2307% | 802 |
| Noninterest expense to average assets | 3.1530% | 2,312 |
| Loan and lease loss provision to assets | 0.3823% | 452 |
| Net operating income to assets | 1.5452% | 855 |
| Return on assets (ROA) | 1.5911% | 799 |
| Pretax return on assets | 1.5911% | 1,354 |
| Return on Equity (ROE) | 19.1193% | 338 |
| Retained earnings to average equity (ytd only) | 16.0303% | 168 |
| Net charge-offs to loans | -0.0431% | 5,854 |
| Credit loss provision to net charge-offs | -1,145.9016% | 5,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2639% | 4,994 |
| Assets per employee ($millions) | 3.9719% | 3,946 |
| Cash dividends to net income (ytd only)* | 16.1567% | 3,347 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4630% | 2,890 |
| Loan loss allowance to noncurrent loans | 825.9162% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 5,572 |
| Noncurrent loans to loans | 0.1771% | 5,381 |
| Net loans and leases to total assets | 81.6775% | 543 |
| Net loans and leases to deposits | 90.1123% | 1,416 |
| Net loans and leases to core deposits | 108.1940% | 839 |
| Total domestic deposits to total assets | 90.6396% | 475 |
| Equity capital to assets | 8.4338% | 5,847 |
| Core capital (leverage) ratio | 8.3097% | 5,832 |
| Tier 1 risk-based capital ratio | 9.6290% | 6,418 |
| Total risk-based capital ratio | 10.8809% | 6,391 |
| Memoranda: |
| Average total assets | $487,527,500 | 1,377 |
| Average earning assets | $456,250,250 | 1,356 |
| Average equity | $40,572,250 | 1,770 |
| Average total loans | $377,048,500 | 1,183 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4726% | 1,920 |
| Cost of funding earning assets | 0.4947% | 2,886 |
| Net interest margin | 3.9779% | 1,878 |
| Noninterest income to average assets | 1.3047% | 700 |
| Noninterest expense to average assets | 3.0936% | 2,528 |
| Loan and lease loss provision to assets | 0.3483% | 518 |
| Net operating income to assets | 1.5779% | 742 |
| Return on assets (ROA) | 1.6484% | 673 |
| Pretax return on assets | 1.6484% | 1,142 |
| Return on Equity (ROE) | 19.9044% | 295 |
| Retained earnings to average equity (ytd only) | 17.1680% | 141 |
| Net charge-offs to loans | -0.1309% | 6,226 |
| Credit loss provision to net charge-offs | -353.1915% | 5,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8427% | 5,164 |
| Assets per employee ($millions) | 3.9796% | 3,886 |
| Cash dividends to net income (ytd only)* | 13.7475% | 3,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4551% | 3,090 |
| Loan loss allowance to noncurrent loans | 862.2975% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 5,726 |
| Noncurrent loans to loans | 0.1687% | 5,509 |
| Net loans and leases to total assets | 79.0808% | 788 |
| Net loans and leases to deposits | 87.1959% | 1,682 |
| Net loans and leases to core deposits | 103.1504% | 1,070 |
| Total domestic deposits to total assets | 90.6932% | 509 |
| Equity capital to assets | 8.4602% | 5,832 |
| Core capital (leverage) ratio | 8.1946% | 5,933 |
| Tier 1 risk-based capital ratio | 9.9062% | 6,424 |
| Total risk-based capital ratio | 11.1579% | 6,386 |
| Memoranda: |
| Average total assets | $476,596,330 | 1,403 |
| Average earning assets | $445,114,000 | 1,388 |
| Average equity | $39,468,670 | 1,795 |
| Average total loans | $358,966,330 | 1,227 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2911% | 2,560 |
| Cost of funding earning assets | 0.5025% | 2,881 |
| Net interest margin | 3.7887% | 2,514 |
| Noninterest income to average assets | 1.6338% | 462 |
| Noninterest expense to average assets | 2.9196% | 3,150 |
| Loan and lease loss provision to assets | 0.3300% | 547 |
| Net operating income to assets | 1.9191% | 385 |
| Return on assets (ROA) | 2.0027% | 354 |
| Pretax return on assets | 2.0027% | 532 |
| Return on Equity (ROE) | 24.4683% | 134 |
| Retained earnings to average equity (ytd only) | 18.7829% | 154 |
| Net charge-offs to loans | -0.2858% | 6,473 |
| Credit loss provision to net charge-offs | -158.9212% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8186% | 5,855 |
| Assets per employee ($millions) | 4.0261% | 3,899 |
| Cash dividends to net income (ytd only)* | 23.2358% | 2,457 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5144% | 3,082 |
| Loan loss allowance to noncurrent loans | 704.9479% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 5,629 |
| Noncurrent loans to loans | 0.2148% | 5,450 |
| Net loans and leases to total assets | 72.2719% | 1,541 |
| Net loans and leases to deposits | 79.6460% | 2,342 |
| Net loans and leases to core deposits | 95.8304% | 1,395 |
| Total domestic deposits to total assets | 90.7413% | 673 |
| Equity capital to assets | 8.2793% | 5,844 |
| Core capital (leverage) ratio | 8.9238% | 5,109 |
| Tier 1 risk-based capital ratio | 10.3974% | 6,362 |
| Total risk-based capital ratio | 11.6493% | 6,325 |
| Memoranda: |
| Average total assets | $464,180,000 | 1,453 |
| Average earning assets | $433,077,500 | 1,430 |
| Average equity | $37,992,000 | 1,854 |
| Average total loans | $337,255,000 | 1,304 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4184% | 2,519 |
| Cost of funding earning assets | 0.5609% | 3,011 |
| Net interest margin | 3.8575% | 2,441 |
| Noninterest income to average assets | 0.7540% | 2,272 |
| Noninterest expense to average assets | 2.8365% | 3,587 |
| Loan and lease loss provision to assets | 0.3176% | 1,041 |
| Net operating income to assets | 1.2158% | 1,504 |
| Return on assets (ROA) | 1.3131% | 1,256 |
| Pretax return on assets | 1.3131% | 2,098 |
| Return on Equity (ROE) | 16.1844% | 601 |
| Retained earnings to average equity (ytd only) | 11.9968% | 319 |
| Net charge-offs to loans | 0.2570% | 2,427 |
| Credit loss provision to net charge-offs | 181.1398% | 1,266 |
| Earnings coverage of net charge-offs (x) | 8.7449% | 2,621 |
| Efficiency ratio | 64.1912% | 4,859 |
| Assets per employee ($millions) | 4.1234% | 3,593 |
| Cash dividends to net income (ytd only)* | 25.8743% | 3,465 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5109% | 3,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 6,269 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.7676% | 1,889 |
| Net loans and leases to deposits | 77.7665% | 2,751 |
| Net loans and leases to core deposits | 96.7897% | 1,397 |
| Total domestic deposits to total assets | 91.0001% | 567 |
| Equity capital to assets | 8.0804% | 5,959 |
| Core capital (leverage) ratio | 8.2442% | 5,934 |
| Tier 1 risk-based capital ratio | 10.7527% | 6,281 |
| Total risk-based capital ratio | 12.0050% | 6,230 |
| Memoranda: |
| Average total assets | $420,303,200 | 1,571 |
| Average earning assets | $393,990,400 | 1,535 |
| Average equity | $34,100,800 | 2,015 |
| Average total loans | $286,717,800 | 1,479 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3620% | 2,728 |
| Cost of funding earning assets | 0.5617% | 3,151 |
| Net interest margin | 3.8003% | 2,637 |
| Noninterest income to average assets | 0.7616% | 2,315 |
| Noninterest expense to average assets | 2.8013% | 3,661 |
| Loan and lease loss provision to assets | 0.3164% | 1,071 |
| Net operating income to assets | 1.2058% | 1,610 |
| Return on assets (ROA) | 1.3372% | 1,300 |
| Pretax return on assets | 1.3372% | 2,182 |
| Return on Equity (ROE) | 16.4639% | 589 |
| Retained earnings to average equity (ytd only) | 10.8165% | 615 |
| Net charge-offs to loans | 0.2283% | 2,439 |
| Credit loss provision to net charge-offs | 206.0669% | 1,176 |
| Earnings coverage of net charge-offs (x) | 9.9142% | 2,422 |
| Efficiency ratio | 64.0565% | 4,788 |
| Assets per employee ($millions) | 4.2595% | 3,309 |
| Cash dividends to net income (ytd only)* | 34.3021% | 2,505 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4797% | 3,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 6,359 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.0136% | 1,591 |
| Net loans and leases to deposits | 81.1079% | 2,252 |
| Net loans and leases to core deposits | 95.7249% | 1,414 |
| Total domestic deposits to total assets | 88.7874% | 1,674 |
| Equity capital to assets | 8.0365% | 6,124 |
| Core capital (leverage) ratio | 7.9002% | 6,275 |
| Tier 1 risk-based capital ratio | 10.3405% | 6,496 |
| Total risk-based capital ratio | 11.5922% | 6,461 |
| Memoranda: |
| Average total assets | $415,077,750 | 1,598 |
| Average earning assets | $389,044,500 | 1,562 |
| Average equity | $33,713,250 | 2,062 |
| Average total loans | $279,142,250 | 1,515 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2096% | 3,328 |
| Cost of funding earning assets | 0.5721% | 3,198 |
| Net interest margin | 3.6375% | 3,217 |
| Noninterest income to average assets | 0.7347% | 2,477 |
| Noninterest expense to average assets | 2.7836% | 3,729 |
| Loan and lease loss provision to assets | 0.3216% | 1,087 |
| Net operating income to assets | 1.0372% | 2,167 |
| Return on assets (ROA) | 1.2339% | 1,604 |
| Pretax return on assets | 1.2339% | 2,545 |
| Return on Equity (ROE) | 15.1355% | 786 |
| Retained earnings to average equity (ytd only) | 6.5561% | 2,118 |
| Net charge-offs to loans | 0.3184% | 1,911 |
| Credit loss provision to net charge-offs | 154.9528% | 1,488 |
| Earnings coverage of net charge-offs (x) | 6.5472% | 2,701 |
| Efficiency ratio | 66.4185% | 4,472 |
| Assets per employee ($millions) | 4.1415% | 3,489 |
| Cash dividends to net income (ytd only)* | 56.6839% | 1,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4742% | 3,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 5,536 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 70.0108% | 1,884 |
| Net loans and leases to deposits | 79.5035% | 2,403 |
| Net loans and leases to core deposits | 90.4519% | 1,868 |
| Total domestic deposits to total assets | 88.0600% | 2,203 |
| Equity capital to assets | 7.6228% | 6,404 |
| Core capital (leverage) ratio | 8.0670% | 6,134 |
| Tier 1 risk-based capital ratio | 10.1695% | 6,597 |
| Total risk-based capital ratio | 11.4208% | 6,570 |
| Memoranda: |
| Average total assets | $408,614,330 | 1,627 |
| Average earning assets | $382,793,330 | 1,587 |
| Average equity | $33,312,330 | 2,091 |
| Average total loans | $266,331,330 | 1,571 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1503% | 3,509 |
| Cost of funding earning assets | 0.5882% | 3,230 |
| Net interest margin | 3.5621% | 3,422 |
| Noninterest income to average assets | 0.6751% | 2,724 |
| Noninterest expense to average assets | 2.6995% | 4,061 |
| Loan and lease loss provision to assets | 0.3087% | 1,104 |
| Net operating income to assets | 1.0017% | 2,217 |
| Return on assets (ROA) | 1.0017% | 2,336 |
| Pretax return on assets | 1.0017% | 3,349 |
| Return on Equity (ROE) | 11.8814% | 1,459 |
| Retained earnings to average equity (ytd only) | 6.5194% | 2,401 |
| Net charge-offs to loans | 0.5790% | 1,054 |
| Credit loss provision to net charge-offs | 85.8726% | 2,087 |
| Earnings coverage of net charge-offs (x) | 3.6454% | 2,711 |
| Efficiency ratio | 66.5011% | 4,579 |
| Assets per employee ($millions) | 3.9220% | 4,116 |
| Cash dividends to net income (ytd only)* | 45.1292% | 1,705 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6348% | 3,257 |
| Loan loss allowance to noncurrent loans | 321.7560% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 4,730 |
| Noncurrent loans to loans | 0.5081% | 5,159 |
| Net loans and leases to total assets | 62.9012% | 2,902 |
| Net loans and leases to deposits | 69.7299% | 3,533 |
| Net loans and leases to core deposits | 78.5088% | 2,991 |
| Total domestic deposits to total assets | 90.2069% | 930 |
| Equity capital to assets | 8.5884% | 5,930 |
| Core capital (leverage) ratio | 8.2998% | 5,828 |
| Tier 1 risk-based capital ratio | 11.5232% | 6,179 |
| Total risk-based capital ratio | 12.7726% | 6,144 |
| Memoranda: |
| Average total assets | $401,707,000 | 1,666 |
| Average earning assets | $376,065,500 | 1,628 |
| Average equity | $33,868,000 | 2,083 |
| Average total loans | $249,411,500 | 1,667 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7773% | 2,285 |
| Cost of funding earning assets | 0.7518% | 3,077 |
| Net interest margin | 4.0255% | 2,288 |
| Noninterest income to average assets | 0.7073% | 2,683 |
| Noninterest expense to average assets | 2.8096% | 3,986 |
| Loan and lease loss provision to assets | 0.2829% | 2,390 |
| Net operating income to assets | 1.3755% | 1,141 |
| Return on assets (ROA) | 1.4175% | 1,179 |
| Pretax return on assets | 1.4175% | 1,976 |
| Return on Equity (ROE) | 15.3545% | 752 |
| Retained earnings to average equity (ytd only) | 9.8161% | 627 |
| Net charge-offs to loans | 0.2565% | 3,403 |
| Credit loss provision to net charge-offs | 168.1109% | 1,573 |
| Earnings coverage of net charge-offs (x) | 9.8544% | 2,211 |
| Efficiency ratio | 62.0994% | 5,222 |
| Assets per employee ($millions) | 4.1140% | 3,713 |
| Cash dividends to net income (ytd only)* | 36.0700% | 3,082 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7074% | 2,907 |
| Loan loss allowance to noncurrent loans | 155.2593% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 4,055 |
| Noncurrent loans to loans | 1.0997% | 4,007 |
| Net loans and leases to total assets | 59.2509% | 3,737 |
| Net loans and leases to deposits | 65.0479% | 4,416 |
| Net loans and leases to core deposits | 73.4810% | 3,852 |
| Total domestic deposits to total assets | 91.0881% | 468 |
| Equity capital to assets | 8.2779% | 6,219 |
| Core capital (leverage) ratio | 8.9256% | 5,011 |
| Tier 1 risk-based capital ratio | 11.9135% | 5,833 |
| Total risk-based capital ratio | 13.1673% | 5,795 |
| Memoranda: |
| Average total assets | $342,861,000 | 1,890 |
| Average earning assets | $320,309,000 | 1,852 |
| Average equity | $31,652,000 | 2,160 |
| Average total loans | $224,976,200 | 1,806 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9212% | 1,935 |
| Cost of funding earning assets | 0.7949% | 2,990 |
| Net interest margin | 4.1263% | 1,999 |
| Noninterest income to average assets | 0.7251% | 2,596 |
| Noninterest expense to average assets | 2.8404% | 3,837 |
| Loan and lease loss provision to assets | 0.3142% | 2,100 |
| Net operating income to assets | 1.4318% | 1,156 |
| Return on assets (ROA) | 1.4906% | 1,150 |
| Pretax return on assets | 1.4906% | 1,917 |
| Return on Equity (ROE) | 15.6427% | 790 |
| Retained earnings to average equity (ytd only) | 8.1789% | 1,540 |
| Net charge-offs to loans | 0.0127% | 5,525 |
| Credit loss provision to net charge-offs | 3,666.6667% | 78 |
| Earnings coverage of net charge-offs (x) | 203.7568% | 223 |
| Efficiency ratio | 61.1477% | 5,288 |
| Assets per employee ($millions) | 3.8054% | 4,292 |
| Cash dividends to net income (ytd only)* | 47.7142% | 1,796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8860% | 2,525 |
| Loan loss allowance to noncurrent loans | 100.5305% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 3,478 |
| Noncurrent loans to loans | 1.8761% | 2,985 |
| Net loans and leases to total assets | 68.3237% | 2,246 |
| Net loans and leases to deposits | 78.9053% | 2,544 |
| Net loans and leases to core deposits | 93.0224% | 1,685 |
| Total domestic deposits to total assets | 86.5894% | 2,927 |
| Equity capital to assets | 9.5845% | 5,092 |
| Core capital (leverage) ratio | 9.2888% | 4,602 |
| Tier 1 risk-based capital ratio | 11.9069% | 5,990 |
| Total risk-based capital ratio | 13.1633% | 5,977 |
| Memoranda: |
| Average total assets | $326,754,250 | 1,987 |
| Average earning assets | $305,773,750 | 1,949 |
| Average equity | $31,136,250 | 2,209 |
| Average total loans | $219,841,750 | 1,851 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9243% | 2,009 |
| Cost of funding earning assets | 0.8207% | 3,024 |
| Net interest margin | 4.1036% | 2,075 |
| Noninterest income to average assets | 0.6957% | 2,699 |
| Noninterest expense to average assets | 2.8116% | 3,970 |
| Loan and lease loss provision to assets | 0.3248% | 2,026 |
| Net operating income to assets | 1.4096% | 1,171 |
| Return on assets (ROA) | 1.4957% | 1,118 |
| Pretax return on assets | 1.4957% | 1,859 |
| Return on Equity (ROE) | 15.7298% | 812 |
| Retained earnings to average equity (ytd only) | 7.4019% | 1,914 |
| Net charge-offs to loans | -0.0837% | 6,820 |
| Credit loss provision to net charge-offs | -584.2697% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0936% | 5,410 |
| Assets per employee ($millions) | 3.9147% | 4,044 |
| Cash dividends to net income (ytd only)* | 52.9436% | 1,631 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9505% | 2,373 |
| Loan loss allowance to noncurrent loans | 89.6117% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.5931% | 3,333 |
| Noncurrent loans to loans | 2.1766% | 2,739 |
| Net loans and leases to total assets | 66.5917% | 2,550 |
| Net loans and leases to deposits | 74.3119% | 3,238 |
| Net loans and leases to core deposits | 86.5904% | 2,351 |
| Total domestic deposits to total assets | 89.6111% | 1,157 |
| Equity capital to assets | 9.5474% | 4,993 |
| Core capital (leverage) ratio | 9.1854% | 4,634 |
| Tier 1 risk-based capital ratio | 12.2647% | 5,749 |
| Total risk-based capital ratio | 13.5215% | 5,719 |
| Memoranda: |
| Average total assets | $320,243,330 | 2,024 |
| Average earning assets | $300,468,000 | 1,976 |
| Average equity | $30,451,670 | 2,235 |
| Average total loans | $212,741,000 | 1,924 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9104% | 2,198 |
| Cost of funding earning assets | 0.8487% | 3,077 |
| Net interest margin | 4.0617% | 2,248 |
| Noninterest income to average assets | 0.6051% | 3,196 |
| Noninterest expense to average assets | 2.6842% | 4,484 |
| Loan and lease loss provision to assets | 0.4586% | 1,345 |
| Net operating income to assets | 1.2790% | 1,506 |
| Return on assets (ROA) | 1.3822% | 1,400 |
| Pretax return on assets | 1.3822% | 2,240 |
| Return on Equity (ROE) | 14.5672% | 1,066 |
| Retained earnings to average equity (ytd only) | -1.1144% | 6,171 |
| Net charge-offs to loans | 0.0311% | 4,251 |
| Credit loss provision to net charge-offs | 2,250.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 85.2500% | 401 |
| Efficiency ratio | 60.0691% | 5,600 |
| Assets per employee ($millions) | 4.1636% | 3,657 |
| Cash dividends to net income (ytd only)* | 107.6498% | 491 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9804% | 2,421 |
| Loan loss allowance to noncurrent loans | 84.2073% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.5688% | 3,510 |
| Noncurrent loans to loans | 2.3518% | 2,744 |
| Net loans and leases to total assets | 62.3424% | 3,184 |
| Net loans and leases to deposits | 69.0353% | 3,866 |
| Net loans and leases to core deposits | 78.6625% | 3,237 |
| Total domestic deposits to total assets | 90.3051% | 911 |
| Equity capital to assets | 9.0304% | 5,445 |
| Core capital (leverage) ratio | 8.9201% | 4,965 |
| Tier 1 risk-based capital ratio | 12.4026% | 5,684 |
| Total risk-based capital ratio | 13.6597% | 5,638 |
| Memoranda: |
| Average total assets | $313,990,000 | 2,068 |
| Average earning assets | $295,048,500 | 2,013 |
| Average equity | $29,793,000 | 2,274 |
| Average total loans | $206,115,500 | 1,974 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4140% | 1,379 |
| Cost of funding earning assets | 1.0490% | 3,027 |
| Net interest margin | 4.3650% | 1,497 |
| Noninterest income to average assets | 1.0326% | 1,279 |
| Noninterest expense to average assets | 2.9318% | 3,835 |
| Loan and lease loss provision to assets | 0.6184% | 1,664 |
| Net operating income to assets | 1.5810% | 692 |
| Return on assets (ROA) | 1.5978% | 721 |
| Pretax return on assets | 1.5978% | 1,207 |
| Return on Equity (ROE) | 17.6691% | 408 |
| Retained earnings to average equity (ytd only) | 9.2884% | 728 |
| Net charge-offs to loans | 0.1485% | 4,957 |
| Credit loss provision to net charge-offs | 602.1898% | 369 |
| Earnings coverage of net charge-offs (x) | 21.4161% | 1,095 |
| Efficiency ratio | 57.1366% | 6,171 |
| Assets per employee ($millions) | 4.2722% | 3,320 |
| Cash dividends to net income (ytd only)* | 47.4314% | 2,202 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8712% | 2,655 |
| Loan loss allowance to noncurrent loans | 270.1991% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 5,784 |
| Noncurrent loans to loans | 0.6925% | 5,316 |
| Net loans and leases to total assets | 66.6196% | 2,659 |
| Net loans and leases to deposits | 74.5926% | 3,402 |
| Net loans and leases to core deposits | 86.0902% | 2,620 |
| Total domestic deposits to total assets | 89.3114% | 1,362 |
| Equity capital to assets | 9.9924% | 4,179 |
| Core capital (leverage) ratio | 9.8814% | 3,481 |
| Tier 1 risk-based capital ratio | 13.5138% | 4,683 |
| Total risk-based capital ratio | 14.7702% | 4,647 |
| Memoranda: |
| Average total assets | $266,797,800 | 2,364 |
| Average earning assets | $250,517,600 | 2,299 |
| Average equity | $24,126,800 | 2,654 |
| Average total loans | $184,523,600 | 2,178 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4533% | 1,386 |
| Cost of funding earning assets | 1.0886% | 3,054 |
| Net interest margin | 4.3647% | 1,511 |
| Noninterest income to average assets | 1.1260% | 1,040 |
| Noninterest expense to average assets | 2.9749% | 3,656 |
| Loan and lease loss provision to assets | 0.5617% | 1,747 |
| Net operating income to assets | 1.6866% | 653 |
| Return on assets (ROA) | 1.7088% | 668 |
| Pretax return on assets | 1.7088% | 1,127 |
| Return on Equity (ROE) | 19.4873% | 344 |
| Retained earnings to average equity (ytd only) | 13.6047% | 322 |
| Net charge-offs to loans | 0.0993% | 4,994 |
| Credit loss provision to net charge-offs | 813.4328% | 328 |
| Earnings coverage of net charge-offs (x) | 32.5601% | 879 |
| Efficiency ratio | 56.9554% | 6,155 |
| Assets per employee ($millions) | 4.4944% | 2,927 |
| Cash dividends to net income (ytd only)* | 30.1869% | 2,468 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6993% | 3,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 67.9543% | 2,496 |
| Net loans and leases to deposits | 76.7969% | 3,194 |
| Net loans and leases to core deposits | 91.2514% | 2,082 |
| Total domestic deposits to total assets | 88.4857% | 1,768 |
| Equity capital to assets | 10.5381% | 3,658 |
| Core capital (leverage) ratio | 10.6195% | 2,738 |
| Tier 1 risk-based capital ratio | 14.0471% | 4,324 |
| Total risk-based capital ratio | 15.3016% | 4,292 |
| Memoranda: |
| Average total assets | $258,733,250 | 2,450 |
| Average earning assets | $242,882,250 | 2,379 |
| Average equity | $22,687,750 | 2,816 |
| Average total loans | $179,897,250 | 2,269 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4372% | 1,457 |
| Cost of funding earning assets | 1.1062% | 3,198 |
| Net interest margin | 4.3310% | 1,562 |
| Noninterest income to average assets | 1.2911% | 755 |
| Noninterest expense to average assets | 3.0639% | 3,383 |
| Loan and lease loss provision to assets | 0.4737% | 2,093 |
| Net operating income to assets | 1.8242% | 478 |
| Return on assets (ROA) | 1.8451% | 481 |
| Pretax return on assets | 1.8451% | 803 |
| Return on Equity (ROE) | 22.8131% | 207 |
| Retained earnings to average equity (ytd only) | 15.2286% | 233 |
| Net charge-offs to loans | 0.0772% | 4,869 |
| Credit loss provision to net charge-offs | 880.5970% | 369 |
| Earnings coverage of net charge-offs (x) | 42.7164% | 713 |
| Efficiency ratio | 57.1429% | 6,275 |
| Assets per employee ($millions) | 3.9381% | 3,896 |
| Cash dividends to net income (ytd only)* | 33.2463% | 2,340 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5680% | 3,832 |
| Loan loss allowance to noncurrent loans | 1,159.8425% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 6,860 |
| Noncurrent loans to loans | 0.1352% | 6,639 |
| Net loans and leases to total assets | 68.0579% | 2,597 |
| Net loans and leases to deposits | 74.5944% | 3,706 |
| Net loans and leases to core deposits | 83.9753% | 3,214 |
| Total domestic deposits to total assets | 91.2372% | 413 |
| Equity capital to assets | 7.8387% | 6,779 |
| Core capital (leverage) ratio | 7.9055% | 6,403 |
| Tier 1 risk-based capital ratio | 10.3888% | 6,830 |
| Total risk-based capital ratio | 11.6415% | 6,827 |
| Memoranda: |
| Average total assets | $249,097,000 | 2,562 |
| Average earning assets | $234,128,000 | 2,487 |
| Average equity | $20,146,330 | 3,105 |
| Average total loans | $173,581,670 | 2,366 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3104% | 1,836 |
| Cost of funding earning assets | 1.1252% | 3,332 |
| Net interest margin | 4.1852% | 1,946 |
| Noninterest income to average assets | 1.4551% | 601 |
| Noninterest expense to average assets | 3.0112% | 3,598 |
| Loan and lease loss provision to assets | 0.4794% | 1,837 |
| Net operating income to assets | 1.8689% | 428 |
| Return on assets (ROA) | 1.8689% | 451 |
| Pretax return on assets | 1.8689% | 717 |
| Return on Equity (ROE) | 22.7088% | 223 |
| Retained earnings to average equity (ytd only) | 17.9054% | 244 |
| Net charge-offs to loans | 0.0913% | 4,031 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 36.7368% | 724 |
| Efficiency ratio | 56.1833% | 6,485 |
| Assets per employee ($millions) | 3.6064% | 4,742 |
| Cash dividends to net income (ytd only)* | 21.1521% | 2,184 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5344% | 4,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 69.8652% | 2,154 |
| Net loans and leases to deposits | 77.4960% | 3,155 |
| Net loans and leases to core deposits | 92.7469% | 2,043 |
| Total domestic deposits to total assets | 90.1532% | 1,057 |
| Equity capital to assets | 8.2243% | 6,256 |
| Core capital (leverage) ratio | 8.2130% | 5,956 |
| Tier 1 risk-based capital ratio | 10.7167% | 6,681 |
| Total risk-based capital ratio | 11.9693% | 6,663 |
| Memoranda: |
| Average total assets | $237,781,000 | 2,699 |
| Average earning assets | $221,827,000 | 2,639 |
| Average equity | $19,569,500 | 3,174 |
| Average total loans | $166,433,000 | 2,478 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6691% | 1,683 |
| Cost of funding earning assets | 1.3846% | 3,361 |
| Net interest margin | 4.2845% | 1,880 |
| Noninterest income to average assets | 1.0434% | 1,377 |
| Noninterest expense to average assets | 3.1185% | 3,390 |
| Loan and lease loss provision to assets | 0.4838% | 3,239 |
| Net operating income to assets | 1.4031% | 947 |
| Return on assets (ROA) | 1.4784% | 861 |
| Pretax return on assets | 1.4784% | 1,430 |
| Return on Equity (ROE) | 17.7305% | 398 |
| Retained earnings to average equity (ytd only) | 13.6334% | 179 |
| Net charge-offs to loans | 0.3929% | 4,070 |
| Credit loss provision to net charge-offs | 172.7749% | 1,952 |
| Earnings coverage of net charge-offs (x) | 6.7382% | 2,294 |
| Efficiency ratio | 62.3023% | 5,678 |
| Assets per employee ($millions) | 3.3871% | 5,203 |
| Cash dividends to net income (ytd only)* | 23.1074% | 3,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5252% | 3,877 |
| Loan loss allowance to noncurrent loans | 7,571.8750% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 7,213 |
| Noncurrent loans to loans | 0.0201% | 7,092 |
| Net loans and leases to total assets | 67.9204% | 3,000 |
| Net loans and leases to deposits | 74.6402% | 4,088 |
| Net loans and leases to core deposits | 89.1643% | 2,875 |
| Total domestic deposits to total assets | 90.9970% | 598 |
| Equity capital to assets | 8.2362% | 6,223 |
| Core capital (leverage) ratio | 8.4441% | 5,459 |
| Tier 1 risk-based capital ratio | 11.4228% | 5,971 |
| Total risk-based capital ratio | 12.6764% | 5,962 |
| Memoranda: |
| Average total assets | $204,617,800 | 3,046 |
| Average earning assets | $189,217,800 | 3,018 |
| Average equity | $17,061,000 | 3,584 |
| Average total loans | $145,852,400 | 2,841 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7491% | 1,554 |
| Cost of funding earning assets | 1.4358% | 3,362 |
| Net interest margin | 4.3133% | 1,804 |
| Noninterest income to average assets | 1.0649% | 1,264 |
| Noninterest expense to average assets | 3.1255% | 3,211 |
| Loan and lease loss provision to assets | 0.4844% | 3,052 |
| Net operating income to assets | 1.4403% | 1,041 |
| Return on assets (ROA) | 1.5433% | 922 |
| Pretax return on assets | 1.5433% | 1,497 |
| Return on Equity (ROE) | 18.4433% | 438 |
| Retained earnings to average equity (ytd only) | 12.8315% | 367 |
| Net charge-offs to loans | 0.1272% | 5,283 |
| Credit loss provision to net charge-offs | 529.4118% | 548 |
| Earnings coverage of net charge-offs (x) | 21.0366% | 1,146 |
| Efficiency ratio | 61.8889% | 5,640 |
| Assets per employee ($millions) | 3.2943% | 5,482 |
| Cash dividends to net income (ytd only)* | 30.4271% | 2,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6747% | 3,235 |
| Loan loss allowance to noncurrent loans | 8,090.6250% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 7,325 |
| Noncurrent loans to loans | 0.0207% | 7,211 |
| Net loans and leases to total assets | 74.4228% | 1,707 |
| Net loans and leases to deposits | 82.1753% | 3,068 |
| Net loans and leases to core deposits | 99.6049% | 1,886 |
| Total domestic deposits to total assets | 90.5659% | 614 |
| Equity capital to assets | 8.7041% | 6,002 |
| Core capital (leverage) ratio | 8.3365% | 5,808 |
| Tier 1 risk-based capital ratio | 10.8419% | 6,513 |
| Total risk-based capital ratio | 12.0810% | 6,497 |
| Memoranda: |
| Average total assets | $198,191,250 | 3,166 |
| Average earning assets | $183,121,000 | 3,134 |
| Average equity | $16,583,750 | 3,710 |
| Average total loans | $142,600,500 | 2,927 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5647% | 2,274 |
| Cost of funding earning assets | 1.4480% | 3,570 |
| Net interest margin | 4.1167% | 2,479 |
| Noninterest income to average assets | 1.0623% | 1,188 |
| Noninterest expense to average assets | 3.1268% | 3,200 |
| Loan and lease loss provision to assets | 0.4588% | 3,023 |
| Net operating income to assets | 1.2999% | 1,308 |
| Return on assets (ROA) | 1.4559% | 1,049 |
| Pretax return on assets | 1.4559% | 1,679 |
| Return on Equity (ROE) | 17.6452% | 502 |
| Retained earnings to average equity (ytd only) | 11.8994% | 510 |
| Net charge-offs to loans | 0.0837% | 5,303 |
| Credit loss provision to net charge-offs | 775.8621% | 477 |
| Earnings coverage of net charge-offs (x) | 29.7414% | 929 |
| Efficiency ratio | 64.0025% | 5,336 |
| Assets per employee ($millions) | 3.4846% | 4,962 |
| Cash dividends to net income (ytd only)* | 32.5630% | 2,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5913% | 3,489 |
| Loan loss allowance to noncurrent loans | 7,735.4839% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 7,372 |
| Noncurrent loans to loans | 0.0206% | 7,275 |
| Net loans and leases to total assets | 73.3723% | 2,065 |
| Net loans and leases to deposits | 82.2273% | 3,232 |
| Net loans and leases to core deposits | 99.0257% | 2,122 |
| Total domestic deposits to total assets | 89.2311% | 1,314 |
| Equity capital to assets | 8.5523% | 6,098 |
| Core capital (leverage) ratio | 8.4693% | 5,463 |
| Tier 1 risk-based capital ratio | 10.7096% | 6,518 |
| Total risk-based capital ratio | 11.9503% | 6,518 |
| Memoranda: |
| Average total assets | $196,172,330 | 3,212 |
| Average earning assets | $182,183,330 | 3,169 |
| Average equity | $16,185,670 | 3,765 |
| Average total loans | $138,602,000 | 3,040 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4360% | 2,878 |
| Cost of funding earning assets | 1.4170% | 4,071 |
| Net interest margin | 4.0190% | 2,794 |
| Noninterest income to average assets | 0.9524% | 1,444 |
| Noninterest expense to average assets | 3.0248% | 3,583 |
| Loan and lease loss provision to assets | 0.4658% | 2,638 |
| Net operating income to assets | 1.1905% | 1,564 |
| Return on assets (ROA) | 1.3830% | 1,190 |
| Pretax return on assets | 1.3830% | 1,827 |
| Return on Equity (ROE) | 17.0888% | 599 |
| Retained earnings to average equity (ytd only) | 17.0888% | 278 |
| Net charge-offs to loans | 0.0905% | 4,509 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 949 |
| Efficiency ratio | 64.6174% | 5,371 |
| Assets per employee ($millions) | 3.5098% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6126% | 3,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 7,415 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 68.3217% | 3,305 |
| Net loans and leases to deposits | 77.0025% | 4,222 |
| Net loans and leases to core deposits | 92.7095% | 3,012 |
| Total domestic deposits to total assets | 88.7266% | 1,660 |
| Equity capital to assets | 8.3826% | 6,179 |
| Core capital (leverage) ratio | 8.4722% | 5,420 |
| Tier 1 risk-based capital ratio | 10.9664% | 6,194 |
| Total risk-based capital ratio | 12.2024% | 6,178 |
| Memoranda: |
| Average total assets | $193,204,000 | 3,320 |
| Average earning assets | $179,250,500 | 3,261 |
| Average equity | $15,636,000 | 3,892 |
| Average total loans | $132,558,000 | 3,210 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7273% | 2,978 |
| Cost of funding earning assets | 1.6531% | 4,777 |
| Net interest margin | 4.0742% | 2,550 |
| Noninterest income to average assets | 1.0636% | 1,357 |
| Noninterest expense to average assets | 3.1189% | 3,656 |
| Loan and lease loss provision to assets | 0.4520% | 4,116 |
| Net operating income to assets | 1.2818% | 1,069 |
| Return on assets (ROA) | 1.4860% | 753 |
| Pretax return on assets | 1.4860% | 1,221 |
| Return on Equity (ROE) | 17.5851% | 400 |
| Retained earnings to average equity (ytd only) | 10.9201% | 287 |
| Net charge-offs to loans | 0.1926% | 5,442 |
| Credit loss provision to net charge-offs | 323.8095% | 1,005 |
| Earnings coverage of net charge-offs (x) | 12.4199% | 1,513 |
| Efficiency ratio | 64.2715% | 5,727 |
| Assets per employee ($millions) | 3.5159% | 4,973 |
| Cash dividends to net income (ytd only)* | 37.9016% | 3,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5595% | 3,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 7,433 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 66.6934% | 3,990 |
| Net loans and leases to deposits | 75.2560% | 4,845 |
| Net loans and leases to core deposits | 104.0657% | 3,570 |
| Total domestic deposits to total assets | 88.6220% | 1,666 |
| Equity capital to assets | 7.7932% | 6,774 |
| Core capital (leverage) ratio | 8.0742% | 6,040 |
| Tier 1 risk-based capital ratio | 10.2608% | 6,626 |
| Total risk-based capital ratio | 11.4987% | 6,608 |
| Memoranda: |
| Average total assets | $165,476,200 | 3,681 |
| Average earning assets | $153,894,200 | 3,640 |
| Average equity | $13,983,400 | 4,255 |
| Average total loans | $119,948,400 | 3,486 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8076% | 2,856 |
| Cost of funding earning assets | 1.7461% | 4,656 |
| Net interest margin | 4.0614% | 2,541 |
| Noninterest income to average assets | 1.0808% | 1,359 |
| Noninterest expense to average assets | 3.1161% | 3,594 |
| Loan and lease loss provision to assets | 0.4710% | 3,550 |
| Net operating income to assets | 1.2782% | 1,270 |
| Return on assets (ROA) | 1.5610% | 771 |
| Pretax return on assets | 1.5610% | 1,261 |
| Return on Equity (ROE) | 18.0544% | 449 |
| Retained earnings to average equity (ytd only) | 10.5656% | 541 |
| Net charge-offs to loans | 0.1664% | 5,054 |
| Credit loss provision to net charge-offs | 382.9932% | 1,054 |
| Earnings coverage of net charge-offs (x) | 14.2241% | 1,614 |
| Efficiency ratio | 64.0475% | 5,741 |
| Assets per employee ($millions) | 2.8905% | 6,433 |
| Cash dividends to net income (ytd only)* | 41.4789% | 2,372 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5307% | 3,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 7,472 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 77.0827% | 1,772 |
| Net loans and leases to deposits | 88.4381% | 2,881 |
| Net loans and leases to core deposits | 123.3155% | 1,966 |
| Total domestic deposits to total assets | 87.1600% | 2,098 |
| Equity capital to assets | 9.1074% | 5,321 |
| Core capital (leverage) ratio | 8.4500% | 5,576 |
| Tier 1 risk-based capital ratio | 10.7605% | 6,202 |
| Total risk-based capital ratio | 11.9998% | 6,167 |
| Memoranda: |
| Average total assets | $159,381,000 | 3,805 |
| Average earning assets | $148,514,750 | 3,753 |
| Average equity | $13,780,250 | 4,339 |
| Average total loans | $117,778,500 | 3,561 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6889% | 3,607 |
| Cost of funding earning assets | 1.8219% | 4,659 |
| Net interest margin | 3.8670% | 3,263 |
| Noninterest income to average assets | 1.0281% | 1,507 |
| Noninterest expense to average assets | 3.0455% | 3,893 |
| Loan and lease loss provision to assets | 0.4514% | 3,275 |
| Net operating income to assets | 1.1372% | 1,640 |
| Return on assets (ROA) | 1.5434% | 819 |
| Pretax return on assets | 1.5434% | 1,342 |
| Return on Equity (ROE) | 18.1733% | 479 |
| Retained earnings to average equity (ytd only) | 10.8066% | 590 |
| Net charge-offs to loans | 0.1575% | 4,619 |
| Credit loss provision to net charge-offs | 395.6044% | 1,177 |
| Earnings coverage of net charge-offs (x) | 13.9231% | 1,699 |
| Efficiency ratio | 65.7197% | 5,595 |
| Assets per employee ($millions) | 3.1804% | 5,627 |
| Cash dividends to net income (ytd only)* | 40.5361% | 2,415 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4823% | 3,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 7,510 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 70.6482% | 3,542 |
| Net loans and leases to deposits | 79.2945% | 4,655 |
| Net loans and leases to core deposits | 119.2249% | 2,435 |
| Total domestic deposits to total assets | 89.0960% | 1,220 |
| Equity capital to assets | 8.2761% | 6,375 |
| Core capital (leverage) ratio | 8.3183% | 5,763 |
| Tier 1 risk-based capital ratio | 10.7501% | 6,133 |
| Total risk-based capital ratio | 11.9659% | 6,112 |
| Memoranda: |
| Average total assets | $159,514,670 | 3,834 |
| Average earning assets | $148,746,330 | 3,768 |
| Average equity | $13,547,330 | 4,409 |
| Average total loans | $115,554,330 | 3,635 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7232% | 3,683 |
| Cost of funding earning assets | 1.8802% | 4,737 |
| Net interest margin | 3.8430% | 3,284 |
| Noninterest income to average assets | 0.9810% | 1,540 |
| Noninterest expense to average assets | 3.0476% | 3,565 |
| Loan and lease loss provision to assets | 0.4598% | 2,630 |
| Net operating income to assets | 1.0448% | 2,148 |
| Return on assets (ROA) | 1.8725% | 511 |
| Pretax return on assets | 1.8725% | 856 |
| Return on Equity (ROE) | 21.7548% | 319 |
| Retained earnings to average equity (ytd only) | 17.3029% | 260 |
| Net charge-offs to loans | 0.0737% | 4,448 |
| Credit loss provision to net charge-offs | 857.1429% | 708 |
| Earnings coverage of net charge-offs (x) | 28.0476% | 1,116 |
| Efficiency ratio | 66.9473% | 5,153 |
| Assets per employee ($millions) | 3.0793% | 5,949 |
| Cash dividends to net income (ytd only)* | 20.4638% | 2,547 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4558% | 3,199 |
| Loan loss allowance to noncurrent loans | 1,851.6854% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 7,432 |
| Noncurrent loans to loans | 0.0786% | 7,298 |
| Net loans and leases to total assets | 71.0326% | 3,460 |
| Net loans and leases to deposits | 80.9913% | 4,452 |
| Net loans and leases to core deposits | 116.9702% | 2,685 |
| Total domestic deposits to total assets | 87.7039% | 1,887 |
| Equity capital to assets | 8.6932% | 5,775 |
| Core capital (leverage) ratio | 8.5279% | 5,477 |
| Tier 1 risk-based capital ratio | 11.3713% | 5,534 |
| Total risk-based capital ratio | 12.5980% | 5,456 |
| Memoranda: |
| Average total assets | $156,582,000 | 3,888 |
| Average earning assets | $145,513,000 | 3,839 |
| Average equity | $13,477,500 | 4,457 |
| Average total loans | $114,033,500 | 3,698 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4823% | 3,048 |
| Cost of funding earning assets | 2.6764% | 3,287 |
| Net interest margin | 3.8058% | 3,993 |
| Noninterest income to average assets | 1.1173% | 1,253 |
| Noninterest expense to average assets | 2.9995% | 4,084 |
| Loan and lease loss provision to assets | 0.4239% | 3,160 |
| Net operating income to assets | 1.2151% | 1,730 |
| Return on assets (ROA) | 1.3796% | 1,229 |
| Pretax return on assets | 1.3796% | 2,030 |
| Return on Equity (ROE) | 18.4946% | 490 |
| Retained earnings to average equity (ytd only) | 13.8187% | 125 |
| Net charge-offs to loans | 0.1459% | 4,756 |
| Credit loss provision to net charge-offs | 418.1818% | 1,042 |
| Earnings coverage of net charge-offs (x) | 16.1678% | 1,864 |
| Efficiency ratio | 64.1449% | 5,527 |
| Assets per employee ($millions) | 3.1224% | 5,706 |
| Cash dividends to net income (ytd only)* | 25.2826% | 4,278 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2971% | 3,803 |
| Loan loss allowance to noncurrent loans | 1,674.1573% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 7,344 |
| Noncurrent loans to loans | 0.0775% | 7,191 |
| Net loans and leases to total assets | 72.6214% | 3,454 |
| Net loans and leases to deposits | 83.6269% | 4,475 |
| Net loans and leases to core deposits | 117.9694% | 2,892 |
| Total domestic deposits to total assets | 86.8398% | 2,010 |
| Equity capital to assets | 8.5209% | 6,053 |
| Core capital (leverage) ratio | 7.9900% | 6,511 |
| Tier 1 risk-based capital ratio | 10.8159% | 5,896 |
| Total risk-based capital ratio | 12.0485% | 5,818 |
| Memoranda: |
| Average total assets | $141,054,600 | 4,059 |
| Average earning assets | $130,509,800 | 4,035 |
| Average equity | $10,522,000 | 5,255 |
| Average total loans | $98,023,400 | 4,004 |
