| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3737% | 394 |
| Cost of funding earning assets | 1.4722% | 2,016 |
| Net interest margin | 4.9016% | 363 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.7522% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9803% | 482 |
| Return on assets (ROA) | 1.9485% | 477 |
| Pretax return on assets | 1.9686% | 705 |
| Return on Equity (ROE) | 18.3200% | 778 |
| Retained earnings to average equity (ytd only) | 0.6127% | 3,931 |
| Net charge-offs to loans | -0.0613% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.0744% | 3,387 |
| Assets per employee ($millions) | 6.7628% | 2,235 |
| Cash dividends to net income (ytd only)* | 96.6559% | 307 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0507% | 3,063 |
| Loan loss allowance to noncurrent loans | 514.4299% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,402 |
| Noncurrent loans to loans | 0.2043% | 2,493 |
| Net loans and leases to total assets | 82.5400% | 384 |
| Net loans and leases to deposits | 104.6040% | 336 |
| Net loans and leases to core deposits | 113.4721% | 829 |
| Total domestic deposits to total assets | 78.9100% | 3,623 |
| Equity capital to assets | 9.8576% | 2,090 |
| Core capital (leverage) ratio | 9.4160% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5971% | 2,869 |
| Memoranda: |
| Average total assets | $540,220,800 | 1,640 |
| Average earning assets | $495,329,800 | 1,652 |
| Average equity | $57,453,200 | 1,434 |
| Average total loans | $448,363,200 | 1,351 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2291% | 402 |
| Cost of funding earning assets | 1.2374% | 2,311 |
| Net interest margin | 4.9917% | 309 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.6947% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1571% | 398 |
| Return on assets (ROA) | 2.1040% | 425 |
| Pretax return on assets | 2.1188% | 631 |
| Return on Equity (ROE) | 19.3900% | 783 |
| Retained earnings to average equity (ytd only) | -2.4122% | 4,341 |
| Net charge-offs to loans | -0.0774% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.5379% | 3,543 |
| Assets per employee ($millions) | 6.6899% | 2,190 |
| Cash dividends to net income (ytd only)* | 112.4417% | 153 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1423% | 2,665 |
| Loan loss allowance to noncurrent loans | 498.9632% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 2,303 |
| Noncurrent loans to loans | 0.2289% | 2,432 |
| Net loans and leases to total assets | 83.5200% | 322 |
| Net loans and leases to deposits | 113.7352% | 138 |
| Net loans and leases to core deposits | 126.2608% | 411 |
| Total domestic deposits to total assets | 73.4300% | 4,193 |
| Equity capital to assets | 9.8944% | 1,886 |
| Core capital (leverage) ratio | 9.3710% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8198% | 2,849 |
| Memoranda: |
| Average total assets | $529,714,000 | 1,667 |
| Average earning assets | $487,784,750 | 1,668 |
| Average equity | $57,483,500 | 1,424 |
| Average total loans | $439,159,250 | 1,364 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0038% | 438 |
| Cost of funding earning assets | 0.9082% | 2,896 |
| Net interest margin | 5.0956% | 271 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.6735% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3019% | 307 |
| Return on assets (ROA) | 2.3159% | 294 |
| Pretax return on assets | 2.3308% | 447 |
| Return on Equity (ROE) | 20.7000% | 640 |
| Retained earnings to average equity (ytd only) | 12.8501% | 832 |
| Net charge-offs to loans | 0.0060% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 466.3846% | 323 |
| Efficiency ratio | 52.7642% | 3,718 |
| Assets per employee ($millions) | 6.3461% | 2,432 |
| Cash dividends to net income (ytd only)* | 37.9310% | 1,784 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1145% | 2,882 |
| Loan loss allowance to noncurrent loans | 455.6664% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,168 |
| Noncurrent loans to loans | 0.2446% | 2,278 |
| Net loans and leases to total assets | 82.6700% | 355 |
| Net loans and leases to deposits | 109.4984% | 213 |
| Net loans and leases to core deposits | 116.9143% | 603 |
| Total domestic deposits to total assets | 75.5000% | 4,084 |
| Equity capital to assets | 11.1092% | 1,343 |
| Core capital (leverage) ratio | 10.7609% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9711% | 2,635 |
| Memoranda: |
| Average total assets | $523,428,000 | 1,679 |
| Average earning assets | $484,458,000 | 1,675 |
| Average equity | $58,552,000 | 1,415 |
| Average total loans | $431,067,667 | 1,372 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7697% | 436 |
| Cost of funding earning assets | 0.6528% | 3,210 |
| Net interest margin | 5.1169% | 249 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.8062% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2484% | 343 |
| Return on assets (ROA) | 2.2661% | 338 |
| Pretax return on assets | 2.2816% | 503 |
| Return on Equity (ROE) | 20.1800% | 742 |
| Retained earnings to average equity (ytd only) | 16.2100% | 670 |
| Net charge-offs to loans | 0.0199% | 1,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 138.9048% | 636 |
| Efficiency ratio | 54.5385% | 3,551 |
| Assets per employee ($millions) | 6.5181% | 2,327 |
| Cash dividends to net income (ytd only)* | 19.6918% | 1,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2098% | 2,502 |
| Loan loss allowance to noncurrent loans | 408.6319% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 1,922 |
| Noncurrent loans to loans | 0.2961% | 2,084 |
| Net loans and leases to total assets | 79.5700% | 581 |
| Net loans and leases to deposits | 90.4836% | 1,013 |
| Net loans and leases to core deposits | 95.5818% | 1,309 |
| Total domestic deposits to total assets | 87.9400% | 1,946 |
| Equity capital to assets | 11.4332% | 1,176 |
| Core capital (leverage) ratio | 10.3373% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2880% | 2,640 |
| Memoranda: |
| Average total assets | $515,434,000 | 1,714 |
| Average earning assets | $480,368,000 | 1,704 |
| Average equity | $57,865,500 | 1,439 |
| Average total loans | $421,112,500 | 1,416 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6218% | 589 |
| Cost of funding earning assets | 0.2662% | 3,193 |
| Net interest margin | 4.3556% | 377 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.6427% | 1,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8684% | 376 |
| Return on assets (ROA) | 1.8749% | 357 |
| Pretax return on assets | 1.8896% | 599 |
| Return on Equity (ROE) | 17.6300% | 764 |
| Retained earnings to average equity (ytd only) | 12.6048% | 571 |
| Net charge-offs to loans | 0.0139% | 1,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 172.4364% | 723 |
| Efficiency ratio | 57.4581% | 3,410 |
| Assets per employee ($millions) | 6.3696% | 2,446 |
| Cash dividends to net income (ytd only)* | 28.4973% | 2,490 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9662% | 3,533 |
| Loan loss allowance to noncurrent loans | 305.2476% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 1,854 |
| Noncurrent loans to loans | 0.3165% | 2,016 |
| Net loans and leases to total assets | 82.0500% | 403 |
| Net loans and leases to deposits | 93.1333% | 838 |
| Net loans and leases to core deposits | 96.2122% | 1,195 |
| Total domestic deposits to total assets | 88.1000% | 2,040 |
| Equity capital to assets | 11.0203% | 1,250 |
| Core capital (leverage) ratio | 10.4015% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6542% | 2,826 |
| Memoranda: |
| Average total assets | $503,650,600 | 1,711 |
| Average earning assets | $468,799,200 | 1,702 |
| Average equity | $53,566,800 | 1,532 |
| Average total loans | $394,874,000 | 1,411 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3979% | 589 |
| Cost of funding earning assets | 0.2255% | 2,982 |
| Net interest margin | 4.1724% | 445 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.5666% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6559% | 588 |
| Return on assets (ROA) | 1.6514% | 578 |
| Pretax return on assets | 1.6634% | 971 |
| Return on Equity (ROE) | 15.6700% | 1,046 |
| Retained earnings to average equity (ytd only) | 9.2368% | 1,570 |
| Net charge-offs to loans | 0.0100% | 1,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 215.9310% | 596 |
| Efficiency ratio | 59.6050% | 3,162 |
| Assets per employee ($millions) | 6.4843% | 2,335 |
| Cash dividends to net income (ytd only)* | 41.0645% | 1,533 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9809% | 3,571 |
| Loan loss allowance to noncurrent loans | 381.2844% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 2,150 |
| Noncurrent loans to loans | 0.2573% | 2,347 |
| Net loans and leases to total assets | 84.0300% | 240 |
| Net loans and leases to deposits | 97.9612% | 459 |
| Net loans and leases to core deposits | 100.1485% | 803 |
| Total domestic deposits to total assets | 85.7800% | 3,117 |
| Equity capital to assets | 10.6148% | 1,324 |
| Core capital (leverage) ratio | 10.0476% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2501% | 2,998 |
| Memoranda: |
| Average total assets | $500,579,000 | 1,729 |
| Average earning assets | $465,902,500 | 1,724 |
| Average equity | $52,744,000 | 1,570 |
| Average total loans | $386,727,250 | 1,426 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1412% | 711 |
| Cost of funding earning assets | 0.2216% | 2,628 |
| Net interest margin | 3.9196% | 587 |
| Noninterest income to average assets | 0.3629% | 2,971 |
| Noninterest expense to average assets | 2.5133% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4881% | 735 |
| Return on assets (ROA) | 1.4806% | 727 |
| Pretax return on assets | 1.4926% | 1,190 |
| Return on Equity (ROE) | 14.0869% | 1,096 |
| Retained earnings to average equity (ytd only) | 7.5011% | 1,814 |
| Net charge-offs to loans | -0.0080% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5675% | 3,097 |
| Assets per employee ($millions) | 5.9748% | 2,766 |
| Cash dividends to net income (ytd only)* | 46.7511% | 1,448 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0379% | 3,430 |
| Loan loss allowance to noncurrent loans | 1,242.6036% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,296 |
| Noncurrent loans to loans | 0.0835% | 3,364 |
| Net loans and leases to total assets | 80.7497% | 353 |
| Net loans and leases to deposits | 90.9461% | 669 |
| Net loans and leases to core deposits | 92.2778% | 1,003 |
| Total domestic deposits to total assets | 88.7884% | 2,267 |
| Equity capital to assets | 10.6258% | 1,380 |
| Core capital (leverage) ratio | 9.5243% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3040% | 2,971 |
| Memoranda: |
| Average total assets | $501,007,667 | 1,724 |
| Average earning assets | $466,632,667 | 1,733 |
| Average equity | $52,659,000 | 1,614 |
| Average total loans | $374,399,333 | 1,456 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8686% | 972 |
| Cost of funding earning assets | 0.2315% | 2,377 |
| Net interest margin | 3.6371% | 836 |
| Noninterest income to average assets | 0.4170% | 2,578 |
| Noninterest expense to average assets | 2.5832% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2034% | 1,240 |
| Return on assets (ROA) | 1.2011% | 1,236 |
| Pretax return on assets | 1.2130% | 1,757 |
| Return on Equity (ROE) | 11.4890% | 1,462 |
| Retained earnings to average equity (ytd only) | 10.6532% | 860 |
| Net charge-offs to loans | -0.0067% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8967% | 2,649 |
| Assets per employee ($millions) | 6.3087% | 2,550 |
| Cash dividends to net income (ytd only)* | 7.2751% | 2,184 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1662% | 3,020 |
| Loan loss allowance to noncurrent loans | 1,502.1505% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,145 |
| Noncurrent loans to loans | 0.0776% | 3,453 |
| Net loans and leases to total assets | 68.6587% | 1,142 |
| Net loans and leases to deposits | 76.9029% | 1,373 |
| Net loans and leases to core deposits | 78.8803% | 1,560 |
| Total domestic deposits to total assets | 89.2798% | 1,937 |
| Equity capital to assets | 10.2171% | 1,746 |
| Core capital (leverage) ratio | 9.3254% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2552% | 2,833 |
| Memoranda: |
| Average total assets | $503,557,500 | 1,720 |
| Average earning assets | $468,175,500 | 1,732 |
| Average equity | $52,641,500 | 1,661 |
| Average total loans | $359,277,000 | 1,494 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3063% | 841 |
| Cost of funding earning assets | 0.3422% | 2,005 |
| Net interest margin | 3.9640% | 763 |
| Noninterest income to average assets | 0.8782% | 1,263 |
| Noninterest expense to average assets | 2.6807% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7832% | 525 |
| Return on assets (ROA) | 1.7911% | 542 |
| Pretax return on assets | 1.8034% | 909 |
| Return on Equity (ROE) | 16.8884% | 607 |
| Retained earnings to average equity (ytd only) | 5.6881% | 2,481 |
| Net charge-offs to loans | -0.0692% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9042% | 3,305 |
| Assets per employee ($millions) | 5.9732% | 2,804 |
| Cash dividends to net income (ytd only)* | 66.3195% | 857 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1651% | 3,051 |
| Loan loss allowance to noncurrent loans | 1,143.4426% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 3,103 |
| Noncurrent loans to loans | 0.1019% | 3,417 |
| Net loans and leases to total assets | 72.4778% | 808 |
| Net loans and leases to deposits | 81.5132% | 1,100 |
| Net loans and leases to core deposits | 83.9009% | 1,338 |
| Total domestic deposits to total assets | 88.9154% | 1,559 |
| Equity capital to assets | 10.7041% | 2,009 |
| Core capital (leverage) ratio | 8.2276% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0339% | 2,884 |
| Memoranda: |
| Average total assets | $477,085,600 | 1,751 |
| Average earning assets | $433,019,600 | 1,791 |
| Average equity | $50,597,000 | 1,746 |
| Average total loans | $350,903,200 | 1,514 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2734% | 993 |
| Cost of funding earning assets | 0.3495% | 2,118 |
| Net interest margin | 3.9239% | 896 |
| Noninterest income to average assets | 0.8798% | 1,293 |
| Noninterest expense to average assets | 2.5954% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8195% | 640 |
| Return on assets (ROA) | 1.8268% | 661 |
| Pretax return on assets | 1.8420% | 1,063 |
| Return on Equity (ROE) | 17.2662% | 728 |
| Retained earnings to average equity (ytd only) | 4.2574% | 3,493 |
| Net charge-offs to loans | -0.0535% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5892% | 3,337 |
| Assets per employee ($millions) | 6.4615% | 2,288 |
| Cash dividends to net income (ytd only)* | 75.3427% | 475 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1084% | 3,404 |
| Loan loss allowance to noncurrent loans | 176.7100% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 1,598 |
| Noncurrent loans to loans | 0.6272% | 1,739 |
| Net loans and leases to total assets | 68.7390% | 1,230 |
| Net loans and leases to deposits | 96.9719% | 313 |
| Net loans and leases to core deposits | 100.5375% | 569 |
| Total domestic deposits to total assets | 70.8855% | 4,711 |
| Equity capital to assets | 9.6719% | 3,222 |
| Core capital (leverage) ratio | 8.2423% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8454% | 2,996 |
| Memoranda: |
| Average total assets | $473,906,000 | 1,783 |
| Average earning assets | $428,781,250 | 1,827 |
| Average equity | $50,139,000 | 1,775 |
| Average total loans | $348,833,000 | 1,550 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4402% | 806 |
| Cost of funding earning assets | 0.3615% | 2,217 |
| Net interest margin | 4.0787% | 724 |
| Noninterest income to average assets | 0.7622% | 1,639 |
| Noninterest expense to average assets | 2.6337% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7762% | 755 |
| Return on assets (ROA) | 1.7867% | 775 |
| Pretax return on assets | 1.8025% | 1,227 |
| Return on Equity (ROE) | 16.3432% | 892 |
| Retained earnings to average equity (ytd only) | 0.9283% | 4,358 |
| Net charge-offs to loans | -0.0929% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4673% | 3,218 |
| Assets per employee ($millions) | 5.3730% | 3,266 |
| Cash dividends to net income (ytd only)* | 94.3201% | 322 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1144% | 3,355 |
| Loan loss allowance to noncurrent loans | 194.3602% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 1,599 |
| Noncurrent loans to loans | 0.5734% | 1,966 |
| Net loans and leases to total assets | 81.5961% | 235 |
| Net loans and leases to deposits | 92.6909% | 508 |
| Net loans and leases to core deposits | 96.6602% | 778 |
| Total domestic deposits to total assets | 88.0303% | 1,803 |
| Equity capital to assets | 11.1821% | 1,842 |
| Core capital (leverage) ratio | 9.1751% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7079% | 3,011 |
| Memoranda: |
| Average total assets | $455,259,333 | 1,835 |
| Average earning assets | $408,902,333 | 1,882 |
| Average equity | $49,770,000 | 1,777 |
| Average total loans | $342,346,333 | 1,588 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5154% | 758 |
| Cost of funding earning assets | 0.3772% | 2,295 |
| Net interest margin | 4.1382% | 675 |
| Noninterest income to average assets | 0.5549% | 2,389 |
| Noninterest expense to average assets | 2.6231% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5805% | 1,163 |
| Return on assets (ROA) | 1.5977% | 1,181 |
| Pretax return on assets | 1.6134% | 1,685 |
| Return on Equity (ROE) | 14.7785% | 1,260 |
| Retained earnings to average equity (ytd only) | 0.9010% | 4,235 |
| Net charge-offs to loans | -0.0413% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1008% | 2,896 |
| Assets per employee ($millions) | 5.6999% | 2,908 |
| Cash dividends to net income (ytd only)* | 93.9031% | 458 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1847% | 3,006 |
| Loan loss allowance to noncurrent loans | 147.6420% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 1,553 |
| Noncurrent loans to loans | 0.8024% | 1,654 |
| Net loans and leases to total assets | 70.0985% | 1,273 |
| Net loans and leases to deposits | 78.9548% | 1,620 |
| Net loans and leases to core deposits | 82.7732% | 1,772 |
| Total domestic deposits to total assets | 88.7831% | 1,446 |
| Equity capital to assets | 10.5077% | 2,269 |
| Core capital (leverage) ratio | 9.2724% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1068% | 2,908 |
| Memoranda: |
| Average total assets | $459,908,500 | 1,806 |
| Average earning assets | $407,231,000 | 1,879 |
| Average equity | $49,721,000 | 1,773 |
| Average total loans | $329,525,500 | 1,630 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6356% | 146 |
| Cost of funding earning assets | 0.6340% | 2,095 |
| Net interest margin | 5.0016% | 125 |
| Noninterest income to average assets | 0.3800% | 3,212 |
| Noninterest expense to average assets | 3.0137% | 1,403 |
| Loan and lease loss provision to assets | 0.0710% | 3,495 |
| Net operating income to assets | 1.7289% | 462 |
| Return on assets (ROA) | 1.7268% | 503 |
| Pretax return on assets | 1.7422% | 780 |
| Return on Equity (ROE) | 14.4104% | 734 |
| Retained earnings to average equity (ytd only) | -3.2841% | 4,780 |
| Net charge-offs to loans | 0.0147% | 2,828 |
| Credit loss provision to net charge-offs | 566.0377% | 1,151 |
| Earnings coverage of net charge-offs (x) | 144.7358% | 597 |
| Efficiency ratio | 61.0752% | 3,296 |
| Assets per employee ($millions) | 5.0194% | 3,371 |
| Cash dividends to net income (ytd only)* | 122.7902% | 149 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2188% | 2,849 |
| Loan loss allowance to noncurrent loans | 104.2857% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 1,115 |
| Noncurrent loans to loans | 1.1687% | 1,216 |
| Net loans and leases to total assets | 71.5211% | 1,359 |
| Net loans and leases to deposits | 81.0626% | 1,759 |
| Net loans and leases to core deposits | 85.1096% | 1,944 |
| Total domestic deposits to total assets | 88.2295% | 1,359 |
| Equity capital to assets | 11.1323% | 2,151 |
| Core capital (leverage) ratio | 9.6444% | 2,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4713% | 2,808 |
| Memoranda: |
| Average total assets | $422,577,000 | 1,791 |
| Average earning assets | $375,876,000 | 1,850 |
| Average equity | $50,637,200 | 1,675 |
| Average total loans | $359,532,600 | 1,480 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9979% | 112 |
| Cost of funding earning assets | 0.6920% | 2,069 |
| Net interest margin | 5.3058% | 95 |
| Noninterest income to average assets | 0.3857% | 3,153 |
| Noninterest expense to average assets | 3.0255% | 1,387 |
| Loan and lease loss provision to assets | 0.0960% | 3,119 |
| Net operating income to assets | 1.9883% | 304 |
| Return on assets (ROA) | 1.9833% | 337 |
| Pretax return on assets | 2.0006% | 518 |
| Return on Equity (ROE) | 16.2417% | 522 |
| Retained earnings to average equity (ytd only) | 0.0157% | 4,479 |
| Net charge-offs to loans | 0.0098% | 2,755 |
| Credit loss provision to net charge-offs | 1,111.1111% | 774 |
| Earnings coverage of net charge-offs (x) | 243.1852% | 424 |
| Efficiency ratio | 57.7101% | 3,707 |
| Assets per employee ($millions) | 4.7083% | 3,591 |
| Cash dividends to net income (ytd only)* | 99.9032% | 311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1362% | 3,004 |
| Loan loss allowance to noncurrent loans | 88.1582% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 974 |
| Noncurrent loans to loans | 1.2888% | 1,149 |
| Net loans and leases to total assets | 83.3322% | 332 |
| Net loans and leases to deposits | 96.3518% | 737 |
| Net loans and leases to core deposits | 100.9904% | 1,090 |
| Total domestic deposits to total assets | 86.4874% | 1,868 |
| Equity capital to assets | 12.4046% | 1,468 |
| Core capital (leverage) ratio | 10.6268% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8025% | 2,684 |
| Memoranda: |
| Average total assets | $416,539,500 | 1,789 |
| Average earning assets | $372,235,000 | 1,836 |
| Average equity | $50,863,750 | 1,664 |
| Average total loans | $368,554,250 | 1,449 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9835% | 150 |
| Cost of funding earning assets | 0.7473% | 2,140 |
| Net interest margin | 5.2362% | 132 |
| Noninterest income to average assets | 0.3844% | 3,176 |
| Noninterest expense to average assets | 3.0019% | 1,567 |
| Loan and lease loss provision to assets | 0.1438% | 2,575 |
| Net operating income to assets | 1.9765% | 348 |
| Return on assets (ROA) | 1.9685% | 393 |
| Pretax return on assets | 1.9857% | 561 |
| Return on Equity (ROE) | 16.2056% | 532 |
| Retained earnings to average equity (ytd only) | 1.6060% | 3,909 |
| Net charge-offs to loans | -0.0357% | 4,590 |
| Credit loss provision to net charge-offs | -447.7612% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1109% | 3,798 |
| Assets per employee ($millions) | 4.9165% | 3,281 |
| Cash dividends to net income (ytd only)* | 90.0901% | 586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0259% | 3,435 |
| Loan loss allowance to noncurrent loans | 49.0404% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.9149% | 399 |
| Noncurrent loans to loans | 2.0920% | 618 |
| Net loans and leases to total assets | 90.5978% | 23 |
| Net loans and leases to deposits | 112.8303% | 177 |
| Net loans and leases to core deposits | 118.4371% | 470 |
| Total domestic deposits to total assets | 80.2957% | 3,774 |
| Equity capital to assets | 11.9744% | 1,680 |
| Core capital (leverage) ratio | 10.5189% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8718% | 3,000 |
| Memoranda: |
| Average total assets | $417,275,667 | 1,759 |
| Average earning assets | $378,941,667 | 1,788 |
| Average equity | $50,686,333 | 1,648 |
| Average total loans | $374,992,667 | 1,414 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0446% | 154 |
| Cost of funding earning assets | 0.8593% | 2,062 |
| Net interest margin | 5.1853% | 147 |
| Noninterest income to average assets | 0.3731% | 3,280 |
| Noninterest expense to average assets | 3.6847% | 714 |
| Loan and lease loss provision to assets | 0.0977% | 2,459 |
| Net operating income to assets | 1.2400% | 1,405 |
| Return on assets (ROA) | 1.2149% | 1,580 |
| Pretax return on assets | 1.2325% | 2,092 |
| Return on Equity (ROE) | 9.9271% | 1,767 |
| Retained earnings to average equity (ytd only) | -19.5988% | 4,959 |
| Net charge-offs to loans | 0.0011% | 2,559 |
| Credit loss provision to net charge-offs | 10,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,388.0000% | 34 |
| Efficiency ratio | 71.7690% | 2,111 |
| Assets per employee ($millions) | 4.8597% | 2,803 |
| Cash dividends to net income (ytd only)* | 297.4277% | 151 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0393% | 3,495 |
| Loan loss allowance to noncurrent loans | 43.3402% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.1703% | 350 |
| Noncurrent loans to loans | 2.3980% | 513 |
| Net loans and leases to total assets | 89.5643% | 41 |
| Net loans and leases to deposits | 102.7468% | 426 |
| Net loans and leases to core deposits | 108.6133% | 917 |
| Total domestic deposits to total assets | 87.1699% | 1,482 |
| Equity capital to assets | 12.1193% | 1,982 |
| Core capital (leverage) ratio | 10.3781% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3425% | 3,264 |
| Memoranda: |
| Average total assets | $409,585,500 | 1,737 |
| Average earning assets | $368,657,500 | 1,784 |
| Average equity | $50,125,500 | 1,659 |
| Average total loans | $364,469,000 | 1,405 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1811% | 171 |
| Cost of funding earning assets | 1.0440% | 1,538 |
| Net interest margin | 5.1372% | 209 |
| Noninterest income to average assets | 0.3353% | 3,704 |
| Noninterest expense to average assets | 2.9728% | 2,086 |
| Loan and lease loss provision to assets | 0.1697% | 1,230 |
| Net operating income to assets | 1.7931% | 526 |
| Return on assets (ROA) | 1.7979% | 553 |
| Pretax return on assets | 1.8193% | 890 |
| Return on Equity (ROE) | 14.7978% | 732 |
| Retained earnings to average equity (ytd only) | 4.4577% | 2,729 |
| Net charge-offs to loans | 0.1352% | 1,430 |
| Credit loss provision to net charge-offs | 141.7004% | 1,823 |
| Earnings coverage of net charge-offs (x) | 16.5668% | 2,160 |
| Efficiency ratio | 58.6178% | 3,895 |
| Assets per employee ($millions) | 5.0098% | 2,584 |
| Cash dividends to net income (ytd only)* | 69.8759% | 1,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0154% | 3,408 |
| Loan loss allowance to noncurrent loans | 52.0936% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.7719% | 500 |
| Noncurrent loans to loans | 1.9493% | 665 |
| Net loans and leases to total assets | 86.6217% | 136 |
| Net loans and leases to deposits | 104.3694% | 364 |
| Net loans and leases to core deposits | 109.2267% | 898 |
| Total domestic deposits to total assets | 82.9953% | 3,194 |
| Equity capital to assets | 12.3533% | 1,913 |
| Core capital (leverage) ratio | 10.8325% | 2,654 |
| Tier 1 risk-based capital ratio | 10.8334% | 4,914 |
| Total risk-based capital ratio | 11.7551% | 4,941 |
| Memoranda: |
| Average total assets | $412,474,400 | 1,703 |
| Average earning assets | $371,081,200 | 1,748 |
| Average equity | $50,115,600 | 1,597 |
| Average total loans | $365,335,800 | 1,368 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2276% | 167 |
| Cost of funding earning assets | 1.0608% | 1,499 |
| Net interest margin | 5.1668% | 207 |
| Noninterest income to average assets | 0.3518% | 3,622 |
| Noninterest expense to average assets | 2.9491% | 2,104 |
| Loan and lease loss provision to assets | 0.1134% | 1,717 |
| Net operating income to assets | 1.9343% | 455 |
| Return on assets (ROA) | 1.9343% | 471 |
| Pretax return on assets | 1.9557% | 757 |
| Return on Equity (ROE) | 15.9880% | 604 |
| Retained earnings to average equity (ytd only) | 4.1817% | 3,312 |
| Net charge-offs to loans | 0.1331% | 1,199 |
| Credit loss provision to net charge-offs | 95.8904% | 2,330 |
| Earnings coverage of net charge-offs (x) | 17.5015% | 2,087 |
| Efficiency ratio | 57.4259% | 4,008 |
| Assets per employee ($millions) | 4.9554% | 2,606 |
| Cash dividends to net income (ytd only)* | 73.8445% | 834 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9523% | 3,818 |
| Loan loss allowance to noncurrent loans | 52.1537% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.6869% | 613 |
| Noncurrent loans to loans | 1.8260% | 775 |
| Net loans and leases to total assets | 87.8725% | 99 |
| Net loans and leases to deposits | 116.8172% | 117 |
| Net loans and leases to core deposits | 120.8555% | 505 |
| Total domestic deposits to total assets | 75.2222% | 4,723 |
| Equity capital to assets | 12.3325% | 2,021 |
| Core capital (leverage) ratio | 10.3604% | 3,238 |
| Tier 1 risk-based capital ratio | 10.7930% | 4,987 |
| Total risk-based capital ratio | 11.6794% | 5,023 |
| Memoranda: |
| Average total assets | $411,639,250 | 1,713 |
| Average earning assets | $371,777,250 | 1,751 |
| Average equity | $49,802,750 | 1,605 |
| Average total loans | $365,699,500 | 1,378 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0039% | 231 |
| Cost of funding earning assets | 0.9746% | 1,813 |
| Net interest margin | 5.0293% | 276 |
| Noninterest income to average assets | 0.3604% | 3,519 |
| Noninterest expense to average assets | 2.9469% | 2,150 |
| Loan and lease loss provision to assets | 0.1700% | 1,072 |
| Net operating income to assets | 1.7690% | 634 |
| Return on assets (ROA) | 1.7690% | 662 |
| Pretax return on assets | 1.7904% | 1,056 |
| Return on Equity (ROE) | 14.7163% | 821 |
| Retained earnings to average equity (ytd only) | 3.4427% | 3,515 |
| Net charge-offs to loans | 0.1793% | 914 |
| Credit loss provision to net charge-offs | 106.7073% | 1,876 |
| Earnings coverage of net charge-offs (x) | 12.3049% | 2,161 |
| Efficiency ratio | 58.6756% | 3,907 |
| Assets per employee ($millions) | 4.9082% | 2,595 |
| Cash dividends to net income (ytd only)* | 76.6063% | 912 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9193% | 4,012 |
| Loan loss allowance to noncurrent loans | 50.3946% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 619 |
| Noncurrent loans to loans | 1.8242% | 824 |
| Net loans and leases to total assets | 88.6429% | 85 |
| Net loans and leases to deposits | 124.7632% | 60 |
| Net loans and leases to core deposits | 128.8444% | 342 |
| Total domestic deposits to total assets | 71.0489% | 5,013 |
| Equity capital to assets | 11.7075% | 2,436 |
| Core capital (leverage) ratio | 10.4126% | 3,181 |
| Tier 1 risk-based capital ratio | 10.3099% | 5,170 |
| Total risk-based capital ratio | 11.1802% | 5,184 |
| Memoranda: |
| Average total assets | $411,753,670 | 1,713 |
| Average earning assets | $372,261,000 | 1,756 |
| Average equity | $49,496,000 | 1,608 |
| Average total loans | $365,969,000 | 1,384 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8790% | 269 |
| Cost of funding earning assets | 0.8430% | 2,312 |
| Net interest margin | 5.0360% | 271 |
| Noninterest income to average assets | 0.3355% | 3,618 |
| Noninterest expense to average assets | 2.9941% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8608% | 498 |
| Return on assets (ROA) | 1.8608% | 513 |
| Pretax return on assets | 1.8826% | 824 |
| Return on Equity (ROE) | 15.2697% | 702 |
| Retained earnings to average equity (ytd only) | 2.6803% | 3,865 |
| Net charge-offs to loans | 0.2838% | 521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.4882% | 2,132 |
| Efficiency ratio | 59.9959% | 3,805 |
| Assets per employee ($millions) | 4.8522% | 2,699 |
| Cash dividends to net income (ytd only)* | 82.4468% | 889 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9209% | 4,071 |
| Loan loss allowance to noncurrent loans | 48.5012% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.7675% | 601 |
| Noncurrent loans to loans | 1.8987% | 801 |
| Net loans and leases to total assets | 88.5843% | 81 |
| Net loans and leases to deposits | 108.4134% | 260 |
| Net loans and leases to core deposits | 111.3893% | 868 |
| Total domestic deposits to total assets | 81.7098% | 3,800 |
| Equity capital to assets | 12.5789% | 1,690 |
| Core capital (leverage) ratio | 10.6115% | 2,932 |
| Tier 1 risk-based capital ratio | 10.8282% | 5,057 |
| Total risk-based capital ratio | 11.6832% | 5,110 |
| Memoranda: |
| Average total assets | $404,125,500 | 1,756 |
| Average earning assets | $364,415,500 | 1,797 |
| Average equity | $49,248,000 | 1,598 |
| Average total loans | $357,940,500 | 1,412 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7903% | 241 |
| Cost of funding earning assets | 0.7395% | 1,851 |
| Net interest margin | 5.0508% | 241 |
| Noninterest income to average assets | 0.3464% | 3,796 |
| Noninterest expense to average assets | 3.0864% | 1,839 |
| Loan and lease loss provision to assets | 0.1570% | 1,322 |
| Net operating income to assets | 1.6400% | 792 |
| Return on assets (ROA) | 1.6400% | 789 |
| Pretax return on assets | 1.6512% | 1,311 |
| Return on Equity (ROE) | 13.9486% | 1,056 |
| Retained earnings to average equity (ytd only) | 7.3738% | 1,511 |
| Net charge-offs to loans | 0.0626% | 2,229 |
| Credit loss provision to net charge-offs | 285.0679% | 1,070 |
| Earnings coverage of net charge-offs (x) | 32.8326% | 1,510 |
| Efficiency ratio | 61.6466% | 3,598 |
| Assets per employee ($millions) | 5.0027% | 2,501 |
| Cash dividends to net income (ytd only)* | 47.1357% | 2,121 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9575% | 3,927 |
| Loan loss allowance to noncurrent loans | 71.2390% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 1,032 |
| Noncurrent loans to loans | 1.3441% | 1,165 |
| Net loans and leases to total assets | 86.9397% | 173 |
| Net loans and leases to deposits | 114.4963% | 162 |
| Net loans and leases to core deposits | 116.9178% | 653 |
| Total domestic deposits to total assets | 75.9323% | 4,761 |
| Equity capital to assets | 11.8147% | 2,019 |
| Core capital (leverage) ratio | 10.1671% | 3,388 |
| Tier 1 risk-based capital ratio | 10.3878% | 5,224 |
| Total risk-based capital ratio | 11.2793% | 5,248 |
| Memoranda: |
| Average total assets | $401,281,200 | 1,709 |
| Average earning assets | $361,346,200 | 1,765 |
| Average equity | $47,180,400 | 1,590 |
| Average total loans | $353,108,800 | 1,389 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6819% | 262 |
| Cost of funding earning assets | 0.6449% | 2,176 |
| Net interest margin | 5.0371% | 250 |
| Noninterest income to average assets | 0.3187% | 4,017 |
| Noninterest expense to average assets | 3.0584% | 1,862 |
| Loan and lease loss provision to assets | 0.1341% | 1,497 |
| Net operating income to assets | 1.6477% | 847 |
| Return on assets (ROA) | 1.6477% | 857 |
| Pretax return on assets | 1.6712% | 1,341 |
| Return on Equity (ROE) | 14.0320% | 1,111 |
| Retained earnings to average equity (ytd only) | 7.3813% | 1,938 |
| Net charge-offs to loans | 0.0514% | 2,097 |
| Credit loss provision to net charge-offs | 296.2963% | 1,034 |
| Earnings coverage of net charge-offs (x) | 39.8953% | 1,361 |
| Efficiency ratio | 61.4499% | 3,589 |
| Assets per employee ($millions) | 4.8182% | 2,701 |
| Cash dividends to net income (ytd only)* | 47.3963% | 1,695 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9292% | 4,138 |
| Loan loss allowance to noncurrent loans | 61.9974% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 984 |
| Noncurrent loans to loans | 1.4989% | 1,091 |
| Net loans and leases to total assets | 88.1405% | 138 |
| Net loans and leases to deposits | 126.8175% | 68 |
| Net loans and leases to core deposits | 134.2978% | 265 |
| Total domestic deposits to total assets | 69.5018% | 5,237 |
| Equity capital to assets | 11.8976% | 1,971 |
| Core capital (leverage) ratio | 9.9750% | 3,666 |
| Tier 1 risk-based capital ratio | 10.6095% | 5,207 |
| Total risk-based capital ratio | 11.5055% | 5,242 |
| Memoranda: |
| Average total assets | $397,796,250 | 1,727 |
| Average earning assets | $358,929,000 | 1,777 |
| Average equity | $46,711,250 | 1,603 |
| Average total loans | $350,265,500 | 1,403 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5171% | 312 |
| Cost of funding earning assets | 0.5084% | 2,952 |
| Net interest margin | 5.0087% | 242 |
| Noninterest income to average assets | 0.2959% | 4,203 |
| Noninterest expense to average assets | 3.1386% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6710% | 769 |
| Return on assets (ROA) | 1.6710% | 776 |
| Pretax return on assets | 1.6710% | 1,295 |
| Return on Equity (ROE) | 15.0799% | 829 |
| Retained earnings to average equity (ytd only) | 4.0430% | 3,590 |
| Net charge-offs to loans | -0.0014% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8090% | 3,194 |
| Assets per employee ($millions) | 4.4707% | 3,168 |
| Cash dividends to net income (ytd only)* | 73.1892% | 894 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0606% | 3,478 |
| Loan loss allowance to noncurrent loans | 297.9631% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 3,484 |
| Noncurrent loans to loans | 0.3559% | 3,420 |
| Net loans and leases to total assets | 89.0289% | 104 |
| Net loans and leases to deposits | 126.4476% | 63 |
| Net loans and leases to core deposits | 128.5652% | 361 |
| Total domestic deposits to total assets | 70.4078% | 5,263 |
| Equity capital to assets | 10.9947% | 2,648 |
| Core capital (leverage) ratio | 9.8882% | 3,697 |
| Tier 1 risk-based capital ratio | 9.8118% | 5,464 |
| Total risk-based capital ratio | 10.8274% | 5,461 |
| Memoranda: |
| Average total assets | $315,621,000 | 2,091 |
| Average earning assets | $284,425,670 | 2,133 |
| Average equity | $34,973,670 | 2,089 |
| Average total loans | $281,307,330 | 1,683 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3950% | 336 |
| Cost of funding earning assets | 0.4508% | 3,196 |
| Net interest margin | 4.9442% | 250 |
| Noninterest income to average assets | 0.3072% | 4,106 |
| Noninterest expense to average assets | 3.1349% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6090% | 845 |
| Return on assets (ROA) | 1.6090% | 845 |
| Pretax return on assets | 1.6090% | 1,371 |
| Return on Equity (ROE) | 14.4628% | 913 |
| Retained earnings to average equity (ytd only) | 1.4612% | 4,507 |
| Net charge-offs to loans | 0.0014% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,257.0000% | 47 |
| Efficiency ratio | 65.6233% | 3,231 |
| Assets per employee ($millions) | 4.2617% | 3,547 |
| Cash dividends to net income (ytd only)* | 89.8966% | 692 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1428% | 3,127 |
| Loan loss allowance to noncurrent loans | 525.5137% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 4,103 |
| Noncurrent loans to loans | 0.2175% | 3,996 |
| Net loans and leases to total assets | 88.9939% | 92 |
| Net loans and leases to deposits | 108.2464% | 311 |
| Net loans and leases to core deposits | 110.4081% | 978 |
| Total domestic deposits to total assets | 82.2142% | 3,895 |
| Equity capital to assets | 11.6705% | 2,015 |
| Core capital (leverage) ratio | 9.8540% | 3,706 |
| Tier 1 risk-based capital ratio | 10.2079% | 5,442 |
| Total risk-based capital ratio | 11.2838% | 5,431 |
| Memoranda: |
| Average total assets | $312,485,500 | 2,130 |
| Average earning assets | $280,410,000 | 2,178 |
| Average equity | $34,765,000 | 2,113 |
| Average total loans | $277,136,500 | 1,703 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3672% | 325 |
| Cost of funding earning assets | 0.4095% | 3,167 |
| Net interest margin | 4.9577% | 251 |
| Noninterest income to average assets | 0.2823% | 4,437 |
| Noninterest expense to average assets | 3.1887% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5508% | 722 |
| Return on assets (ROA) | 1.5508% | 734 |
| Pretax return on assets | 1.5508% | 1,450 |
| Return on Equity (ROE) | 12.5577% | 1,065 |
| Retained earnings to average equity (ytd only) | -14.1915% | 5,586 |
| Net charge-offs to loans | 0.0363% | 3,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 48.2121% | 1,117 |
| Efficiency ratio | 66.8129% | 3,109 |
| Assets per employee ($millions) | 4.5369% | 3,134 |
| Cash dividends to net income (ytd only)* | 213.0107% | 90 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0745% | 3,482 |
| Loan loss allowance to noncurrent loans | 517.7066% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 4,223 |
| Noncurrent loans to loans | 0.2075% | 4,082 |
| Net loans and leases to total assets | 86.5289% | 222 |
| Net loans and leases to deposits | 116.6963% | 146 |
| Net loans and leases to core deposits | 119.1801% | 612 |
| Total domestic deposits to total assets | 74.1488% | 5,170 |
| Equity capital to assets | 10.6275% | 3,020 |
| Core capital (leverage) ratio | 9.3687% | 4,204 |
| Tier 1 risk-based capital ratio | 9.6081% | 5,591 |
| Total risk-based capital ratio | 10.6244% | 5,600 |
| Memoranda: |
| Average total assets | $307,775,000 | 2,127 |
| Average earning assets | $276,699,800 | 2,175 |
| Average equity | $38,008,600 | 1,929 |
| Average total loans | $272,815,600 | 1,697 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2704% | 368 |
| Cost of funding earning assets | 0.3597% | 3,575 |
| Net interest margin | 4.9107% | 268 |
| Noninterest income to average assets | 0.2873% | 4,471 |
| Noninterest expense to average assets | 3.1470% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5733% | 764 |
| Return on assets (ROA) | 1.5733% | 780 |
| Pretax return on assets | 1.5733% | 1,503 |
| Return on Equity (ROE) | 12.2782% | 1,249 |
| Retained earnings to average equity (ytd only) | -21.7375% | 5,687 |
| Net charge-offs to loans | 0.0440% | 2,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 40.1810% | 1,291 |
| Efficiency ratio | 66.2037% | 3,177 |
| Assets per employee ($millions) | 4.6445% | 2,909 |
| Cash dividends to net income (ytd only)* | 277.0414% | 44 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0708% | 3,663 |
| Loan loss allowance to noncurrent loans | 593.4489% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 4,465 |
| Noncurrent loans to loans | 0.1804% | 4,342 |
| Net loans and leases to total assets | 88.7959% | 121 |
| Net loans and leases to deposits | 134.7970% | 29 |
| Net loans and leases to core deposits | 138.2979% | 222 |
| Total domestic deposits to total assets | 65.8738% | 5,588 |
| Equity capital to assets | 10.5448% | 3,322 |
| Core capital (leverage) ratio | 9.1945% | 4,522 |
| Tier 1 risk-based capital ratio | 9.3891% | 5,682 |
| Total risk-based capital ratio | 10.4176% | 5,686 |
| Memoranda: |
| Average total assets | $303,055,250 | 2,168 |
| Average earning assets | $273,572,500 | 2,206 |
| Average equity | $38,832,000 | 1,919 |
| Average total loans | $269,589,500 | 1,721 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1779% | 413 |
| Cost of funding earning assets | 0.2826% | 4,263 |
| Net interest margin | 4.8954% | 264 |
| Noninterest income to average assets | 0.2987% | 4,397 |
| Noninterest expense to average assets | 3.2108% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4944% | 876 |
| Return on assets (ROA) | 1.4944% | 898 |
| Pretax return on assets | 1.4944% | 1,664 |
| Return on Equity (ROE) | 10.9647% | 1,659 |
| Retained earnings to average equity (ytd only) | 2.4141% | 4,240 |
| Net charge-offs to loans | 0.0880% | 1,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 19.1466% | 1,850 |
| Efficiency ratio | 67.7535% | 3,059 |
| Assets per employee ($millions) | 4.2439% | 3,533 |
| Cash dividends to net income (ytd only)* | 77.9829% | 897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1240% | 3,447 |
| Loan loss allowance to noncurrent loans | 198.1181% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 3,059 |
| Noncurrent loans to loans | 0.5673% | 3,032 |
| Net loans and leases to total assets | 89.1291% | 109 |
| Net loans and leases to deposits | 122.3945% | 74 |
| Net loans and leases to core deposits | 125.4498% | 407 |
| Total domestic deposits to total assets | 72.8212% | 5,403 |
| Equity capital to assets | 13.4791% | 1,154 |
| Core capital (leverage) ratio | 12.2894% | 1,481 |
| Tier 1 risk-based capital ratio | 12.3034% | 4,424 |
| Total risk-based capital ratio | 13.3802% | 4,429 |
| Memoranda: |
| Average total assets | $297,249,670 | 2,204 |
| Average earning assets | $267,559,670 | 2,251 |
| Average equity | $40,511,670 | 1,850 |
| Average total loans | $263,570,670 | 1,747 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0652% | 472 |
| Cost of funding earning assets | 0.2418% | 4,611 |
| Net interest margin | 4.8234% | 302 |
| Noninterest income to average assets | 0.3184% | 4,275 |
| Noninterest expense to average assets | 3.2234% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4200% | 959 |
| Return on assets (ROA) | 1.4200% | 986 |
| Pretax return on assets | 1.4200% | 1,816 |
| Return on Equity (ROE) | 10.3609% | 1,797 |
| Retained earnings to average equity (ytd only) | 6.5843% | 2,037 |
| Net charge-offs to loans | 0.0139% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 116.4444% | 470 |
| Efficiency ratio | 68.9233% | 3,059 |
| Assets per employee ($millions) | 4.0155% | 3,984 |
| Cash dividends to net income (ytd only)* | 36.4504% | 2,125 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2692% | 2,691 |
| Loan loss allowance to noncurrent loans | 651.5464% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,567 |
| Noncurrent loans to loans | 0.1948% | 4,422 |
| Net loans and leases to total assets | 86.2180% | 209 |
| Net loans and leases to deposits | 101.2948% | 532 |
| Net loans and leases to core deposits | 104.0060% | 1,225 |
| Total domestic deposits to total assets | 85.1160% | 3,041 |
| Equity capital to assets | 14.3088% | 814 |
| Core capital (leverage) ratio | 12.5747% | 1,301 |
| Tier 1 risk-based capital ratio | 13.1249% | 4,010 |
| Total risk-based capital ratio | 14.3066% | 3,950 |
| Memoranda: |
| Average total assets | $295,215,000 | 2,233 |
| Average earning assets | $264,708,500 | 2,285 |
| Average equity | $40,460,000 | 1,852 |
| Average total loans | $259,548,000 | 1,777 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3103% | 347 |
| Cost of funding earning assets | 0.3335% | 3,712 |
| Net interest margin | 4.9768% | 261 |
| Noninterest income to average assets | 0.2709% | 4,793 |
| Noninterest expense to average assets | 3.0145% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7491% | 490 |
| Return on assets (ROA) | 1.7491% | 513 |
| Pretax return on assets | 1.7491% | 891 |
| Return on Equity (ROE) | 14.0453% | 765 |
| Retained earnings to average equity (ytd only) | 1.7481% | 4,530 |
| Net charge-offs to loans | 0.0382% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 51.2294% | 996 |
| Efficiency ratio | 62.8353% | 4,131 |
| Assets per employee ($millions) | 4.2406% | 3,544 |
| Cash dividends to net income (ytd only)* | 87.5537% | 664 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1732% | 3,286 |
| Loan loss allowance to noncurrent loans | 1,081.5700% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 4,940 |
| Noncurrent loans to loans | 0.1085% | 4,797 |
| Net loans and leases to total assets | 87.4331% | 152 |
| Net loans and leases to deposits | 106.8700% | 308 |
| Net loans and leases to core deposits | 109.1559% | 948 |
| Total domestic deposits to total assets | 81.8126% | 4,126 |
| Equity capital to assets | 13.1417% | 1,200 |
| Core capital (leverage) ratio | 11.6728% | 1,814 |
| Tier 1 risk-based capital ratio | 12.0347% | 4,707 |
| Total risk-based capital ratio | 13.1413% | 4,688 |
| Memoranda: |
| Average total assets | $319,253,400 | 2,063 |
| Average earning assets | $288,196,400 | 2,111 |
| Average equity | $39,757,000 | 1,853 |
| Average total loans | $285,633,400 | 1,586 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3225% | 351 |
| Cost of funding earning assets | 0.3491% | 3,552 |
| Net interest margin | 4.9735% | 262 |
| Noninterest income to average assets | 0.2698% | 4,846 |
| Noninterest expense to average assets | 2.9638% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8091% | 482 |
| Return on assets (ROA) | 1.8091% | 508 |
| Pretax return on assets | 1.8091% | 887 |
| Return on Equity (ROE) | 14.7196% | 702 |
| Retained earnings to average equity (ytd only) | 1.1597% | 5,043 |
| Net charge-offs to loans | 0.0368% | 2,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 54.7395% | 1,013 |
| Efficiency ratio | 61.6550% | 4,285 |
| Assets per employee ($millions) | 4.3370% | 3,356 |
| Cash dividends to net income (ytd only)* | 92.1215% | 501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1266% | 3,690 |
| Loan loss allowance to noncurrent loans | 303.8973% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 4,071 |
| Noncurrent loans to loans | 0.3707% | 3,937 |
| Net loans and leases to total assets | 88.6249% | 107 |
| Net loans and leases to deposits | 126.6607% | 63 |
| Net loans and leases to core deposits | 129.7737% | 305 |
| Total domestic deposits to total assets | 69.9703% | 5,698 |
| Equity capital to assets | 12.5741% | 1,732 |
| Core capital (leverage) ratio | 11.0995% | 2,357 |
| Tier 1 risk-based capital ratio | 11.5298% | 5,073 |
| Total risk-based capital ratio | 12.6088% | 5,078 |
| Memoranda: |
| Average total assets | $322,735,250 | 2,053 |
| Average earning assets | $292,209,500 | 2,093 |
| Average equity | $39,665,000 | 1,873 |
| Average total loans | $289,510,500 | 1,571 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3156% | 349 |
| Cost of funding earning assets | 0.3652% | 3,406 |
| Net interest margin | 4.9505% | 282 |
| Noninterest income to average assets | 0.2740% | 4,824 |
| Noninterest expense to average assets | 3.0033% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7538% | 521 |
| Return on assets (ROA) | 1.7538% | 553 |
| Pretax return on assets | 1.7538% | 972 |
| Return on Equity (ROE) | 14.3778% | 773 |
| Retained earnings to average equity (ytd only) | -2.0395% | 5,548 |
| Net charge-offs to loans | 0.0590% | 2,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.1163% | 1,317 |
| Efficiency ratio | 62.6926% | 4,233 |
| Assets per employee ($millions) | 4.2764% | 3,413 |
| Cash dividends to net income (ytd only)* | 114.1854% | 378 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1401% | 3,719 |
| Loan loss allowance to noncurrent loans | 2,900.9091% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 5,442 |
| Noncurrent loans to loans | 0.0393% | 5,307 |
| Net loans and leases to total assets | 88.6349% | 112 |
| Net loans and leases to deposits | 120.3576% | 99 |
| Net loans and leases to core deposits | 123.2028% | 430 |
| Total domestic deposits to total assets | 73.6429% | 5,556 |
| Equity capital to assets | 12.5100% | 1,765 |
| Core capital (leverage) ratio | 10.6241% | 2,825 |
| Tier 1 risk-based capital ratio | 11.3073% | 5,276 |
| Total risk-based capital ratio | 12.3865% | 5,261 |
| Memoranda: |
| Average total assets | $324,779,330 | 2,045 |
| Average earning assets | $294,112,670 | 2,088 |
| Average equity | $39,616,670 | 1,875 |
| Average total loans | $291,418,670 | 1,563 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2053% | 413 |
| Cost of funding earning assets | 0.3854% | 3,239 |
| Net interest margin | 4.8199% | 349 |
| Noninterest income to average assets | 0.2537% | 4,928 |
| Noninterest expense to average assets | 2.9902% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6298% | 664 |
| Return on assets (ROA) | 1.6298% | 704 |
| Pretax return on assets | 1.6298% | 1,227 |
| Return on Equity (ROE) | 13.5243% | 926 |
| Retained earnings to average equity (ytd only) | 8.7121% | 1,194 |
| Net charge-offs to loans | 0.0579% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 31.3721% | 1,158 |
| Efficiency ratio | 64.2782% | 4,077 |
| Assets per employee ($millions) | 4.3937% | 3,259 |
| Cash dividends to net income (ytd only)* | 35.5819% | 2,223 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1184% | 3,955 |
| Loan loss allowance to noncurrent loans | 4,146.1538% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,475 |
| Noncurrent loans to loans | 0.0270% | 5,388 |
| Net loans and leases to total assets | 89.1482% | 83 |
| Net loans and leases to deposits | 117.7445% | 110 |
| Net loans and leases to core deposits | 120.8775% | 444 |
| Total domestic deposits to total assets | 75.7132% | 5,445 |
| Equity capital to assets | 12.5741% | 1,637 |
| Core capital (leverage) ratio | 10.8355% | 2,589 |
| Tier 1 risk-based capital ratio | 11.0711% | 5,470 |
| Total risk-based capital ratio | 12.1033% | 5,487 |
| Memoranda: |
| Average total assets | $331,082,000 | 2,018 |
| Average earning assets | $299,925,000 | 2,061 |
| Average equity | $39,898,500 | 1,854 |
| Average total loans | $297,185,000 | 1,528 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1852% | 439 |
| Cost of funding earning assets | 0.3252% | 3,964 |
| Net interest margin | 4.8599% | 321 |
| Noninterest income to average assets | 0.2616% | 5,017 |
| Noninterest expense to average assets | 2.8940% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7671% | 509 |
| Return on assets (ROA) | 1.7671% | 527 |
| Pretax return on assets | 1.7671% | 860 |
| Return on Equity (ROE) | 15.8719% | 568 |
| Retained earnings to average equity (ytd only) | 8.4022% | 804 |
| Net charge-offs to loans | -0.2010% | 5,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6609% | 4,664 |
| Assets per employee ($millions) | 4.6139% | 2,863 |
| Cash dividends to net income (ytd only)* | 47.0627% | 2,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0740% | 4,187 |
| Loan loss allowance to noncurrent loans | 1,321.7742% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 5,285 |
| Noncurrent loans to loans | 0.0813% | 5,175 |
| Net loans and leases to total assets | 88.4309% | 109 |
| Net loans and leases to deposits | 120.3372% | 103 |
| Net loans and leases to core deposits | 123.3056% | 395 |
| Total domestic deposits to total assets | 73.4859% | 5,688 |
| Equity capital to assets | 11.5595% | 2,314 |
| Core capital (leverage) ratio | 10.1879% | 3,275 |
| Tier 1 risk-based capital ratio | 10.3140% | 5,856 |
| Total risk-based capital ratio | 11.3111% | 5,874 |
| Memoranda: |
| Average total assets | $341,013,600 | 1,918 |
| Average earning assets | $308,707,800 | 1,973 |
| Average equity | $37,966,400 | 1,888 |
| Average total loans | $305,400,200 | 1,454 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1261% | 492 |
| Cost of funding earning assets | 0.3211% | 4,087 |
| Net interest margin | 4.8050% | 374 |
| Noninterest income to average assets | 0.2652% | 5,042 |
| Noninterest expense to average assets | 2.8034% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8155% | 504 |
| Return on assets (ROA) | 1.8155% | 527 |
| Pretax return on assets | 1.8155% | 870 |
| Return on Equity (ROE) | 16.4644% | 537 |
| Retained earnings to average equity (ytd only) | 9.4381% | 750 |
| Net charge-offs to loans | -0.2994% | 6,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2625% | 4,853 |
| Assets per employee ($millions) | 4.5268% | 2,958 |
| Cash dividends to net income (ytd only)* | 42.6756% | 2,191 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0938% | 4,263 |
| Loan loss allowance to noncurrent loans | 265.7937% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 4,244 |
| Noncurrent loans to loans | 0.4115% | 4,135 |
| Net loans and leases to total assets | 88.0268% | 138 |
| Net loans and leases to deposits | 134.4930% | 29 |
| Net loans and leases to core deposits | 137.3888% | 195 |
| Total domestic deposits to total assets | 65.4508% | 6,103 |
| Equity capital to assets | 11.3233% | 2,677 |
| Core capital (leverage) ratio | 9.9271% | 3,732 |
| Tier 1 risk-based capital ratio | 10.2137% | 5,974 |
| Total risk-based capital ratio | 11.2382% | 6,000 |
| Memoranda: |
| Average total assets | $340,910,500 | 1,929 |
| Average earning assets | $308,893,750 | 1,979 |
| Average equity | $37,591,250 | 1,917 |
| Average total loans | $305,449,250 | 1,456 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0160% | 578 |
| Cost of funding earning assets | 0.3089% | 4,296 |
| Net interest margin | 4.7072% | 440 |
| Noninterest income to average assets | 0.2648% | 5,058 |
| Noninterest expense to average assets | 2.7434% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7989% | 518 |
| Return on assets (ROA) | 1.7989% | 543 |
| Pretax return on assets | 1.7989% | 897 |
| Return on Equity (ROE) | 16.4637% | 553 |
| Retained earnings to average equity (ytd only) | 8.3799% | 1,127 |
| Net charge-offs to loans | -0.4489% | 6,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9560% | 4,988 |
| Assets per employee ($millions) | 4.4995% | 2,990 |
| Cash dividends to net income (ytd only)* | 49.1004% | 1,978 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0725% | 4,474 |
| Loan loss allowance to noncurrent loans | 189.3665% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 3,864 |
| Noncurrent loans to loans | 0.5664% | 3,753 |
| Net loans and leases to total assets | 89.1350% | 96 |
| Net loans and leases to deposits | 135.0595% | 31 |
| Net loans and leases to core deposits | 137.9223% | 180 |
| Total domestic deposits to total assets | 65.9968% | 6,169 |
| Equity capital to assets | 10.9270% | 2,964 |
| Core capital (leverage) ratio | 9.7464% | 3,944 |
| Tier 1 risk-based capital ratio | 9.6836% | 6,166 |
| Total risk-based capital ratio | 10.6883% | 6,190 |
| Memoranda: |
| Average total assets | $339,869,330 | 1,954 |
| Average earning assets | $308,848,670 | 1,987 |
| Average equity | $37,136,330 | 1,945 |
| Average total loans | $305,202,000 | 1,456 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9200% | 667 |
| Cost of funding earning assets | 0.3010% | 4,430 |
| Net interest margin | 4.6190% | 481 |
| Noninterest income to average assets | 0.2579% | 5,110 |
| Noninterest expense to average assets | 2.7643% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6888% | 607 |
| Return on assets (ROA) | 1.6888% | 634 |
| Pretax return on assets | 1.6888% | 1,075 |
| Return on Equity (ROE) | 15.4559% | 641 |
| Retained earnings to average equity (ytd only) | 9.5716% | 1,028 |
| Net charge-offs to loans | -0.9015% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6226% | 4,861 |
| Assets per employee ($millions) | 4.3266% | 3,334 |
| Cash dividends to net income (ytd only)* | 38.0718% | 2,096 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1359% | 4,339 |
| Loan loss allowance to noncurrent loans | 252.1116% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 4,337 |
| Noncurrent loans to loans | 0.4506% | 4,233 |
| Net loans and leases to total assets | 89.6628% | 62 |
| Net loans and leases to deposits | 118.1851% | 109 |
| Net loans and leases to core deposits | 120.1232% | 411 |
| Total domestic deposits to total assets | 75.8664% | 5,747 |
| Equity capital to assets | 11.4654% | 2,498 |
| Core capital (leverage) ratio | 9.8099% | 3,874 |
| Tier 1 risk-based capital ratio | 9.8779% | 6,197 |
| Total risk-based capital ratio | 10.9230% | 6,211 |
| Memoranda: |
| Average total assets | $336,573,000 | 1,977 |
| Average earning assets | $305,691,000 | 2,017 |
| Average equity | $36,775,500 | 1,974 |
| Average total loans | $301,719,500 | 1,472 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0231% | 736 |
| Cost of funding earning assets | 0.3296% | 4,496 |
| Net interest margin | 4.6935% | 527 |
| Noninterest income to average assets | 0.2489% | 5,344 |
| Noninterest expense to average assets | 2.8608% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6325% | 664 |
| Return on assets (ROA) | 1.6325% | 691 |
| Pretax return on assets | 1.6325% | 1,145 |
| Return on Equity (ROE) | 15.0219% | 777 |
| Retained earnings to average equity (ytd only) | 5.9786% | 1,943 |
| Net charge-offs to loans | -0.0501% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1992% | 4,723 |
| Assets per employee ($millions) | 4.8423% | 2,541 |
| Cash dividends to net income (ytd only)* | 60.2010% | 1,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8611% | 5,601 |
| Loan loss allowance to noncurrent loans | 6,338.0952% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,938 |
| Noncurrent loans to loans | 0.0136% | 5,855 |
| Net loans and leases to total assets | 87.9053% | 117 |
| Net loans and leases to deposits | 112.8807% | 179 |
| Net loans and leases to core deposits | 114.3411% | 589 |
| Total domestic deposits to total assets | 77.8745% | 5,461 |
| Equity capital to assets | 10.4248% | 3,583 |
| Core capital (leverage) ratio | 9.0628% | 4,886 |
| Tier 1 risk-based capital ratio | 9.5149% | 6,347 |
| Total risk-based capital ratio | 10.3467% | 6,382 |
| Memoranda: |
| Average total assets | $323,059,600 | 2,010 |
| Average earning assets | $292,149,600 | 2,055 |
| Average equity | $35,108,800 | 1,990 |
| Average total loans | $287,428,400 | 1,484 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9572% | 828 |
| Cost of funding earning assets | 0.3250% | 4,615 |
| Net interest margin | 4.6322% | 578 |
| Noninterest income to average assets | 0.2480% | 5,437 |
| Noninterest expense to average assets | 2.8454% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5979% | 756 |
| Return on assets (ROA) | 1.5979% | 788 |
| Pretax return on assets | 1.5979% | 1,330 |
| Return on Equity (ROE) | 14.5401% | 897 |
| Retained earnings to average equity (ytd only) | 5.6513% | 2,636 |
| Net charge-offs to loans | -0.0440% | 5,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5554% | 4,619 |
| Assets per employee ($millions) | 4.7301% | 2,617 |
| Cash dividends to net income (ytd only)* | 61.1332% | 1,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8473% | 5,752 |
| Loan loss allowance to noncurrent loans | 2,535.9223% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 6,014 |
| Noncurrent loans to loans | 0.0334% | 5,895 |
| Net loans and leases to total assets | 89.7558% | 62 |
| Net loans and leases to deposits | 127.0015% | 57 |
| Net loans and leases to core deposits | 135.4184% | 180 |
| Total domestic deposits to total assets | 70.6731% | 6,247 |
| Equity capital to assets | 10.4835% | 3,586 |
| Core capital (leverage) ratio | 9.2649% | 4,684 |
| Tier 1 risk-based capital ratio | 9.4196% | 6,448 |
| Total risk-based capital ratio | 10.2427% | 6,475 |
| Memoranda: |
| Average total assets | $316,662,500 | 2,068 |
| Average earning assets | $286,795,000 | 2,102 |
| Average equity | $34,799,500 | 2,014 |
| Average total loans | $282,000,000 | 1,514 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8740% | 952 |
| Cost of funding earning assets | 0.3163% | 4,809 |
| Net interest margin | 4.5577% | 629 |
| Noninterest income to average assets | 0.3090% | 4,942 |
| Noninterest expense to average assets | 2.9226% | 3,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4940% | 883 |
| Return on assets (ROA) | 1.4940% | 912 |
| Pretax return on assets | 1.4940% | 1,554 |
| Return on Equity (ROE) | 13.3688% | 1,079 |
| Retained earnings to average equity (ytd only) | 3.0552% | 4,261 |
| Net charge-offs to loans | -0.0417% | 5,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6741% | 4,406 |
| Assets per employee ($millions) | 4.3034% | 3,269 |
| Cash dividends to net income (ytd only)* | 77.1466% | 974 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9030% | 5,715 |
| Loan loss allowance to noncurrent loans | 501.1673% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,537 |
| Noncurrent loans to loans | 0.1802% | 5,469 |
| Net loans and leases to total assets | 88.7751% | 77 |
| Net loans and leases to deposits | 120.1785% | 85 |
| Net loans and leases to core deposits | 122.7671% | 323 |
| Total domestic deposits to total assets | 73.8694% | 6,124 |
| Equity capital to assets | 10.9168% | 2,964 |
| Core capital (leverage) ratio | 9.6593% | 4,100 |
| Tier 1 risk-based capital ratio | 9.8683% | 6,432 |
| Total risk-based capital ratio | 10.7467% | 6,480 |
| Memoranda: |
| Average total assets | $308,695,330 | 2,112 |
| Average earning assets | $278,208,670 | 2,152 |
| Average equity | $34,498,330 | 2,018 |
| Average total loans | $273,237,330 | 1,564 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8207% | 1,006 |
| Cost of funding earning assets | 0.3041% | 5,022 |
| Net interest margin | 4.5165% | 635 |
| Noninterest income to average assets | 0.3015% | 4,944 |
| Noninterest expense to average assets | 3.0255% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3232% | 1,154 |
| Return on assets (ROA) | 1.3232% | 1,203 |
| Pretax return on assets | 1.3232% | 2,018 |
| Return on Equity (ROE) | 11.6979% | 1,494 |
| Retained earnings to average equity (ytd only) | 3.5850% | 3,981 |
| Net charge-offs to loans | -0.0165% | 5,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0584% | 3,991 |
| Assets per employee ($millions) | 3.7972% | 4,332 |
| Cash dividends to net income (ytd only)* | 69.3532% | 1,165 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9946% | 5,546 |
| Loan loss allowance to noncurrent loans | 854.7297% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 5,827 |
| Noncurrent loans to loans | 0.1164% | 5,778 |
| Net loans and leases to total assets | 87.2651% | 101 |
| Net loans and leases to deposits | 103.0826% | 325 |
| Net loans and leases to core deposits | 105.1648% | 786 |
| Total domestic deposits to total assets | 84.6555% | 4,018 |
| Equity capital to assets | 11.9573% | 1,899 |
| Core capital (leverage) ratio | 9.9698% | 3,610 |
| Tier 1 risk-based capital ratio | 10.9273% | 6,181 |
| Total risk-based capital ratio | 11.8909% | 6,257 |
| Memoranda: |
| Average total assets | $303,816,000 | 2,160 |
| Average earning assets | $272,244,000 | 2,200 |
| Average equity | $34,365,000 | 2,015 |
| Average total loans | $267,214,000 | 1,594 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9685% | 975 |
| Cost of funding earning assets | 0.3471% | 5,168 |
| Net interest margin | 4.6214% | 584 |
| Noninterest income to average assets | 0.2879% | 5,301 |
| Noninterest expense to average assets | 2.8573% | 3,504 |
| Loan and lease loss provision to assets | 0.0489% | 4,154 |
| Net operating income to assets | 1.6334% | 646 |
| Return on assets (ROA) | 1.6334% | 662 |
| Pretax return on assets | 1.5532% | 1,288 |
| Return on Equity (ROE) | 14.9913% | 769 |
| Retained earnings to average equity (ytd only) | 1.5410% | 5,122 |
| Net charge-offs to loans | 0.0136% | 5,180 |
| Credit loss provision to net charge-offs | 416.6667% | 551 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 341 |
| Efficiency ratio | 63.5765% | 4,977 |
| Assets per employee ($millions) | 4.1980% | 3,444 |
| Cash dividends to net income (ytd only)* | 89.7206% | 651 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8994% | 5,929 |
| Loan loss allowance to noncurrent loans | 853.8983% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 6,064 |
| Noncurrent loans to loans | 0.1053% | 5,897 |
| Net loans and leases to total assets | 86.9919% | 119 |
| Net loans and leases to deposits | 103.2937% | 349 |
| Net loans and leases to core deposits | 105.1861% | 837 |
| Total domestic deposits to total assets | 84.2180% | 4,086 |
| Equity capital to assets | 10.7266% | 2,904 |
| Core capital (leverage) ratio | 9.2195% | 4,692 |
| Tier 1 risk-based capital ratio | 9.8020% | 6,558 |
| Total risk-based capital ratio | 10.6724% | 6,596 |
| Memoranda: |
| Average total assets | $306,725,600 | 2,104 |
| Average earning assets | $276,863,000 | 2,133 |
| Average equity | $33,419,400 | 2,060 |
| Average total loans | $264,558,000 | 1,575 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9135% | 1,096 |
| Cost of funding earning assets | 0.3443% | 5,349 |
| Net interest margin | 4.5692% | 656 |
| Noninterest income to average assets | 0.2872% | 5,395 |
| Noninterest expense to average assets | 2.8537% | 3,473 |
| Loan and lease loss provision to assets | 0.0659% | 3,743 |
| Net operating income to assets | 1.6128% | 729 |
| Return on assets (ROA) | 1.6128% | 774 |
| Pretax return on assets | 1.5048% | 1,592 |
| Return on Equity (ROE) | 14.7424% | 847 |
| Retained earnings to average equity (ytd only) | -2.3440% | 6,299 |
| Net charge-offs to loans | 0.0138% | 4,861 |
| Credit loss provision to net charge-offs | 555.5556% | 503 |
| Earnings coverage of net charge-offs (x) | 132.4781% | 406 |
| Efficiency ratio | 63.9936% | 4,798 |
| Assets per employee ($millions) | 3.9986% | 3,833 |
| Cash dividends to net income (ytd only)* | 115.8999% | 263 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9232% | 5,992 |
| Loan loss allowance to noncurrent loans | 555.6044% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 5,998 |
| Noncurrent loans to loans | 0.1662% | 5,821 |
| Net loans and leases to total assets | 88.1187% | 83 |
| Net loans and leases to deposits | 115.6157% | 100 |
| Net loans and leases to core deposits | 118.0494% | 354 |
| Total domestic deposits to total assets | 76.2169% | 6,147 |
| Equity capital to assets | 10.7605% | 3,001 |
| Core capital (leverage) ratio | 9.3351% | 4,641 |
| Tier 1 risk-based capital ratio | 9.7198% | 6,654 |
| Total risk-based capital ratio | 10.6214% | 6,674 |
| Memoranda: |
| Average total assets | $303,645,250 | 2,133 |
| Average earning assets | $274,934,250 | 2,153 |
| Average equity | $33,218,500 | 2,097 |
| Average total loans | $260,681,500 | 1,599 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8130% | 1,300 |
| Cost of funding earning assets | 0.3318% | 5,552 |
| Net interest margin | 4.4813% | 732 |
| Noninterest income to average assets | 0.2660% | 5,546 |
| Noninterest expense to average assets | 2.8270% | 3,583 |
| Loan and lease loss provision to assets | 0.0596% | 3,813 |
| Net operating income to assets | 1.6001% | 747 |
| Return on assets (ROA) | 1.6001% | 821 |
| Pretax return on assets | 1.4373% | 1,810 |
| Return on Equity (ROE) | 14.5454% | 898 |
| Retained earnings to average equity (ytd only) | -6.8697% | 6,559 |
| Net charge-offs to loans | 0.0531% | 3,935 |
| Credit loss provision to net charge-offs | 132.3529% | 1,718 |
| Earnings coverage of net charge-offs (x) | 33.2647% | 1,065 |
| Efficiency ratio | 64.8760% | 4,726 |
| Assets per employee ($millions) | 3.5303% | 4,788 |
| Cash dividends to net income (ytd only)* | 147.2291% | 215 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9581% | 5,963 |
| Loan loss allowance to noncurrent loans | 970.4000% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 6,234 |
| Noncurrent loans to loans | 0.0987% | 6,105 |
| Net loans and leases to total assets | 87.6989% | 98 |
| Net loans and leases to deposits | 104.9657% | 252 |
| Net loans and leases to core deposits | 107.3227% | 667 |
| Total domestic deposits to total assets | 83.5500% | 4,492 |
| Equity capital to assets | 11.3929% | 2,385 |
| Core capital (leverage) ratio | 9.3912% | 4,401 |
| Tier 1 risk-based capital ratio | 10.2830% | 6,570 |
| Total risk-based capital ratio | 11.2178% | 6,620 |
| Memoranda: |
| Average total assets | $302,228,670 | 2,150 |
| Average earning assets | $273,672,670 | 2,164 |
| Average equity | $33,247,670 | 2,095 |
| Average total loans | $256,295,000 | 1,620 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7104% | 1,507 |
| Cost of funding earning assets | 0.3146% | 5,851 |
| Net interest margin | 4.3958% | 813 |
| Noninterest income to average assets | 0.2475% | 5,690 |
| Noninterest expense to average assets | 2.7465% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3996% | 1,021 |
| Return on assets (ROA) | 1.3996% | 1,114 |
| Pretax return on assets | 1.4808% | 1,613 |
| Return on Equity (ROE) | 12.9355% | 1,186 |
| Retained earnings to average equity (ytd only) | -3.4066% | 6,226 |
| Net charge-offs to loans | 0.1644% | 2,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.8396% | 1,707 |
| Efficiency ratio | 64.4817% | 4,924 |
| Assets per employee ($millions) | 3.8498% | 4,255 |
| Cash dividends to net income (ytd only)* | 126.3352% | 466 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9621% | 6,097 |
| Loan loss allowance to noncurrent loans | 606.5963% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 6,195 |
| Noncurrent loans to loans | 0.1586% | 5,998 |
| Net loans and leases to total assets | 78.8082% | 529 |
| Net loans and leases to deposits | 89.1653% | 1,034 |
| Net loans and leases to core deposits | 91.1493% | 1,593 |
| Total domestic deposits to total assets | 88.3844% | 2,074 |
| Equity capital to assets | 11.1321% | 2,811 |
| Core capital (leverage) ratio | 9.4795% | 4,123 |
| Tier 1 risk-based capital ratio | 11.2340% | 6,295 |
| Total risk-based capital ratio | 12.1728% | 6,411 |
| Memoranda: |
| Average total assets | $310,364,000 | 2,119 |
| Average earning assets | $280,993,000 | 2,144 |
| Average equity | $33,582,000 | 2,105 |
| Average total loans | $257,838,500 | 1,622 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5055% | 614 |
| Cost of funding earning assets | 0.4670% | 5,439 |
| Net interest margin | 5.0385% | 364 |
| Noninterest income to average assets | 0.2836% | 5,440 |
| Noninterest expense to average assets | 2.9733% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7680% | 543 |
| Return on assets (ROA) | 1.7680% | 605 |
| Pretax return on assets | 1.8577% | 812 |
| Return on Equity (ROE) | 16.3213% | 612 |
| Retained earnings to average equity (ytd only) | 9.5996% | 678 |
| Net charge-offs to loans | 0.0201% | 5,624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 107.2549% | 361 |
| Efficiency ratio | 60.9069% | 5,401 |
| Assets per employee ($millions) | 4.2163% | 3,518 |
| Cash dividends to net income (ytd only)* | 41.1833% | 2,792 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8691% | 6,346 |
| Loan loss allowance to noncurrent loans | 372.8682% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 6,037 |
| Noncurrent loans to loans | 0.2331% | 5,896 |
| Net loans and leases to total assets | 85.6077% | 144 |
| Net loans and leases to deposits | 103.3590% | 288 |
| Net loans and leases to core deposits | 105.5555% | 711 |
| Total domestic deposits to total assets | 82.8256% | 4,788 |
| Equity capital to assets | 10.5280% | 3,494 |
| Core capital (leverage) ratio | 9.3843% | 4,276 |
| Tier 1 risk-based capital ratio | 9.7416% | 6,760 |
| Total risk-based capital ratio | 10.5845% | 6,818 |
| Memoranda: |
| Average total assets | $294,454,600 | 2,177 |
| Average earning assets | $265,754,400 | 2,192 |
| Average equity | $31,897,000 | 2,146 |
| Average total loans | $253,615,000 | 1,627 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5401% | 629 |
| Cost of funding earning assets | 0.4906% | 5,504 |
| Net interest margin | 5.0495% | 371 |
| Noninterest income to average assets | 0.2894% | 5,466 |
| Noninterest expense to average assets | 2.9925% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7382% | 643 |
| Return on assets (ROA) | 1.7382% | 708 |
| Pretax return on assets | 1.8674% | 928 |
| Return on Equity (ROE) | 15.9213% | 751 |
| Retained earnings to average equity (ytd only) | 7.9309% | 1,643 |
| Net charge-offs to loans | 0.0237% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 91.6516% | 459 |
| Efficiency ratio | 60.8803% | 5,337 |
| Assets per employee ($millions) | 4.0251% | 3,819 |
| Cash dividends to net income (ytd only)* | 50.1865% | 1,684 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8957% | 6,396 |
| Loan loss allowance to noncurrent loans | 426.1484% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 6,225 |
| Noncurrent loans to loans | 0.2102% | 6,079 |
| Net loans and leases to total assets | 87.2401% | 107 |
| Net loans and leases to deposits | 121.2432% | 73 |
| Net loans and leases to core deposits | 124.5349% | 240 |
| Total domestic deposits to total assets | 71.9546% | 6,743 |
| Equity capital to assets | 10.6587% | 3,654 |
| Core capital (leverage) ratio | 8.7941% | 5,357 |
| Tier 1 risk-based capital ratio | 9.5116% | 6,898 |
| Total risk-based capital ratio | 10.3745% | 6,934 |
| Memoranda: |
| Average total assets | $287,957,750 | 2,247 |
| Average earning assets | $260,640,250 | 2,249 |
| Average equity | $31,437,250 | 2,192 |
| Average total loans | $247,836,750 | 1,674 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4887% | 736 |
| Cost of funding earning assets | 0.4968% | 5,644 |
| Net interest margin | 4.9919% | 409 |
| Noninterest income to average assets | 0.3007% | 5,400 |
| Noninterest expense to average assets | 3.1159% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5810% | 867 |
| Return on assets (ROA) | 1.5810% | 972 |
| Pretax return on assets | 1.6966% | 1,265 |
| Return on Equity (ROE) | 14.3586% | 1,039 |
| Retained earnings to average equity (ytd only) | 4.6187% | 3,538 |
| Net charge-offs to loans | 0.0291% | 4,973 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 68.3429% | 574 |
| Efficiency ratio | 63.9057% | 4,914 |
| Assets per employee ($millions) | 3.8788% | 4,127 |
| Cash dividends to net income (ytd only)* | 67.8331% | 1,145 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9312% | 6,381 |
| Loan loss allowance to noncurrent loans | 97.9369% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 4,685 |
| Noncurrent loans to loans | 0.9508% | 4,606 |
| Net loans and leases to total assets | 87.3761% | 99 |
| Net loans and leases to deposits | 121.5504% | 67 |
| Net loans and leases to core deposits | 124.3777% | 255 |
| Total domestic deposits to total assets | 71.8846% | 6,806 |
| Equity capital to assets | 10.6144% | 3,551 |
| Core capital (leverage) ratio | 9.1648% | 4,665 |
| Tier 1 risk-based capital ratio | 9.6508% | 6,897 |
| Total risk-based capital ratio | 10.5701% | 6,949 |
| Memoranda: |
| Average total assets | $281,973,330 | 2,288 |
| Average earning assets | $254,851,670 | 2,311 |
| Average equity | $31,047,670 | 2,202 |
| Average total loans | $240,686,000 | 1,717 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4644% | 802 |
| Cost of funding earning assets | 0.5147% | 5,722 |
| Net interest margin | 4.9498% | 434 |
| Noninterest income to average assets | 0.2903% | 5,543 |
| Noninterest expense to average assets | 3.2849% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3601% | 1,296 |
| Return on assets (ROA) | 1.3601% | 1,459 |
| Pretax return on assets | 1.4588% | 1,994 |
| Return on Equity (ROE) | 12.1191% | 1,649 |
| Retained earnings to average equity (ytd only) | 9.5969% | 1,382 |
| Net charge-offs to loans | 0.0329% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 52.8947% | 609 |
| Efficiency ratio | 68.3293% | 4,112 |
| Assets per employee ($millions) | 3.4298% | 5,277 |
| Cash dividends to net income (ytd only)* | 20.8111% | 2,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0789% | 5,972 |
| Loan loss allowance to noncurrent loans | 66.4033% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 3,825 |
| Noncurrent loans to loans | 1.6248% | 3,677 |
| Net loans and leases to total assets | 83.5205% | 195 |
| Net loans and leases to deposits | 95.1367% | 590 |
| Net loans and leases to core deposits | 97.5141% | 1,165 |
| Total domestic deposits to total assets | 87.7900% | 2,471 |
| Equity capital to assets | 11.7043% | 2,261 |
| Core capital (leverage) ratio | 9.5821% | 3,941 |
| Tier 1 risk-based capital ratio | 11.1915% | 6,449 |
| Total risk-based capital ratio | 12.2646% | 6,513 |
| Memoranda: |
| Average total assets | $275,565,500 | 2,344 |
| Average earning assets | $247,931,500 | 2,381 |
| Average equity | $30,926,500 | 2,210 |
| Average total loans | $231,031,000 | 1,783 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7935% | 653 |
| Cost of funding earning assets | 0.6997% | 5,544 |
| Net interest margin | 5.0939% | 343 |
| Noninterest income to average assets | 0.2788% | 5,534 |
| Noninterest expense to average assets | 3.0304% | 3,478 |
| Loan and lease loss provision to assets | 0.3230% | 3,103 |
| Net operating income to assets | 1.4545% | 916 |
| Return on assets (ROA) | 1.4545% | 998 |
| Pretax return on assets | 1.5450% | 1,353 |
| Return on Equity (ROE) | 13.4426% | 1,056 |
| Retained earnings to average equity (ytd only) | 5.3664% | 2,395 |
| Net charge-offs to loans | 0.2074% | 4,502 |
| Credit loss provision to net charge-offs | 187.5000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 10.8438% | 1,785 |
| Efficiency ratio | 60.9642% | 5,610 |
| Assets per employee ($millions) | 3.5451% | 4,904 |
| Cash dividends to net income (ytd only)* | 60.0790% | 1,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0399% | 6,036 |
| Loan loss allowance to noncurrent loans | 79.4308% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.0902% | 4,437 |
| Noncurrent loans to loans | 1.3091% | 4,187 |
| Net loans and leases to total assets | 82.4139% | 313 |
| Net loans and leases to deposits | 94.6187% | 768 |
| Net loans and leases to core deposits | 96.7161% | 1,436 |
| Total domestic deposits to total assets | 87.1011% | 2,705 |
| Equity capital to assets | 10.7689% | 3,228 |
| Core capital (leverage) ratio | 9.0955% | 4,627 |
| Tier 1 risk-based capital ratio | 9.8160% | 6,894 |
| Total risk-based capital ratio | 10.7944% | 6,945 |
| Memoranda: |
| Average total assets | $278,645,400 | 2,279 |
| Average earning assets | $252,695,000 | 2,285 |
| Average equity | $30,150,400 | 2,186 |
| Average total loans | $231,383,600 | 1,800 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7937% | 708 |
| Cost of funding earning assets | 0.7242% | 5,632 |
| Net interest margin | 5.0695% | 362 |
| Noninterest income to average assets | 0.2951% | 5,501 |
| Noninterest expense to average assets | 3.0429% | 3,384 |
| Loan and lease loss provision to assets | 0.4326% | 2,313 |
| Net operating income to assets | 1.3554% | 1,252 |
| Return on assets (ROA) | 1.3554% | 1,335 |
| Pretax return on assets | 1.4457% | 1,794 |
| Return on Equity (ROE) | 12.5110% | 1,408 |
| Retained earnings to average equity (ytd only) | 9.9157% | 866 |
| Net charge-offs to loans | 0.2699% | 3,747 |
| Credit loss provision to net charge-offs | 193.1330% | 1,510 |
| Earnings coverage of net charge-offs (x) | 8.3862% | 2,186 |
| Efficiency ratio | 60.9337% | 5,571 |
| Assets per employee ($millions) | 3.5398% | 4,900 |
| Cash dividends to net income (ytd only)* | 20.7446% | 2,892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0353% | 6,103 |
| Loan loss allowance to noncurrent loans | 67.3208% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2956% | 4,218 |
| Noncurrent loans to loans | 1.5378% | 3,976 |
| Net loans and leases to total assets | 83.3782% | 260 |
| Net loans and leases to deposits | 109.0798% | 190 |
| Net loans and leases to core deposits | 115.6913% | 507 |
| Total domestic deposits to total assets | 76.4378% | 6,470 |
| Equity capital to assets | 11.0134% | 3,133 |
| Core capital (leverage) ratio | 9.0709% | 4,824 |
| Tier 1 risk-based capital ratio | 10.3846% | 6,824 |
| Total risk-based capital ratio | 11.4013% | 6,901 |
| Memoranda: |
| Average total assets | $277,405,500 | 2,298 |
| Average earning assets | $253,142,250 | 2,292 |
| Average equity | $30,052,750 | 2,196 |
| Average total loans | $230,183,000 | 1,825 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6502% | 966 |
| Cost of funding earning assets | 0.7443% | 5,708 |
| Net interest margin | 4.9059% | 487 |
| Noninterest income to average assets | 0.2875% | 5,582 |
| Noninterest expense to average assets | 3.0325% | 3,516 |
| Loan and lease loss provision to assets | 0.4356% | 2,251 |
| Net operating income to assets | 1.2168% | 1,523 |
| Return on assets (ROA) | 1.2168% | 1,604 |
| Pretax return on assets | 1.3032% | 2,131 |
| Return on Equity (ROE) | 11.2960% | 1,700 |
| Retained earnings to average equity (ytd only) | 8.6674% | 1,214 |
| Net charge-offs to loans | 0.3905% | 2,999 |
| Credit loss provision to net charge-offs | 135.1351% | 2,254 |
| Earnings coverage of net charge-offs (x) | 5.3941% | 2,618 |
| Efficiency ratio | 62.6293% | 5,475 |
| Assets per employee ($millions) | 3.6869% | 4,483 |
| Cash dividends to net income (ytd only)* | 23.2697% | 2,740 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9434% | 6,537 |
| Loan loss allowance to noncurrent loans | 47.3423% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6516% | 3,701 |
| Noncurrent loans to loans | 1.9927% | 3,491 |
| Net loans and leases to total assets | 82.1022% | 362 |
| Net loans and leases to deposits | 103.9064% | 319 |
| Net loans and leases to core deposits | 110.8383% | 694 |
| Total domestic deposits to total assets | 79.0156% | 6,084 |
| Equity capital to assets | 10.8070% | 3,171 |
| Core capital (leverage) ratio | 9.0752% | 4,609 |
| Tier 1 risk-based capital ratio | 10.3152% | 6,867 |
| Total risk-based capital ratio | 11.2472% | 6,975 |
| Memoranda: |
| Average total assets | $275,480,000 | 2,325 |
| Average earning assets | $251,780,000 | 2,319 |
| Average equity | $29,674,330 | 2,203 |
| Average total loans | $227,383,330 | 1,862 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6493% | 977 |
| Cost of funding earning assets | 0.7783% | 5,682 |
| Net interest margin | 4.8710% | 495 |
| Noninterest income to average assets | 0.2915% | 5,583 |
| Noninterest expense to average assets | 3.1093% | 3,207 |
| Loan and lease loss provision to assets | 0.4394% | 2,010 |
| Net operating income to assets | 1.1292% | 1,739 |
| Return on assets (ROA) | 1.1292% | 1,785 |
| Pretax return on assets | 1.2068% | 2,350 |
| Return on Equity (ROE) | 10.5003% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.5003% | 993 |
| Net charge-offs to loans | 0.0071% | 5,019 |
| Credit loss provision to net charge-offs | 7,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 281.0000% | 105 |
| Efficiency ratio | 64.4595% | 5,286 |
| Assets per employee ($millions) | 3.6191% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0940% | 6,069 |
| Loan loss allowance to noncurrent loans | 66.1560% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 4,333 |
| Noncurrent loans to loans | 1.6537% | 3,997 |
| Net loans and leases to total assets | 78.7214% | 651 |
| Net loans and leases to deposits | 89.0260% | 1,346 |
| Net loans and leases to core deposits | 95.0648% | 1,763 |
| Total domestic deposits to total assets | 88.4252% | 2,126 |
| Equity capital to assets | 11.0961% | 2,590 |
| Core capital (leverage) ratio | 8.6295% | 5,209 |
| Tier 1 risk-based capital ratio | 10.9160% | 6,559 |
| Total risk-based capital ratio | 11.9900% | 6,656 |
| Memoranda: |
| Average total assets | $273,116,000 | 2,360 |
| Average earning assets | $250,297,500 | 2,343 |
| Average equity | $29,370,500 | 2,213 |
| Average total loans | $224,951,000 | 1,898 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9737% | 894 |
| Cost of funding earning assets | 0.8778% | 6,252 |
| Net interest margin | 5.0959% | 358 |
| Noninterest income to average assets | 0.3012% | 5,640 |
| Noninterest expense to average assets | 2.7910% | 4,643 |
| Loan and lease loss provision to assets | 0.9828% | 1,647 |
| Net operating income to assets | 1.0696% | 1,804 |
| Return on assets (ROA) | 1.0696% | 1,895 |
| Pretax return on assets | 1.1746% | 2,317 |
| Return on Equity (ROE) | 9.2476% | 2,198 |
| Retained earnings to average equity (ytd only) | -1.2825% | 5,854 |
| Net charge-offs to loans | 0.7688% | 2,722 |
| Credit loss provision to net charge-offs | 151.6399% | 2,374 |
| Earnings coverage of net charge-offs (x) | 3.3287% | 3,416 |
| Efficiency ratio | 55.8450% | 6,614 |
| Assets per employee ($millions) | 4.0944% | 3,592 |
| Cash dividends to net income (ytd only)* | 113.8689% | 275 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8596% | 6,833 |
| Loan loss allowance to noncurrent loans | 147.0376% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 6,036 |
| Noncurrent loans to loans | 0.5846% | 5,876 |
| Net loans and leases to total assets | 84.3006% | 277 |
| Net loans and leases to deposits | 105.9970% | 325 |
| Net loans and leases to core deposits | 113.0654% | 774 |
| Total domestic deposits to total assets | 79.5311% | 5,959 |
| Equity capital to assets | 10.4246% | 3,245 |
| Core capital (leverage) ratio | 10.2603% | 2,808 |
| Tier 1 risk-based capital ratio | 9.4545% | 7,146 |
| Total risk-based capital ratio | 10.2971% | 7,243 |
| Memoranda: |
| Average total assets | $221,101,000 | 2,853 |
| Average earning assets | $201,633,800 | 2,853 |
| Average equity | $25,574,200 | 2,489 |
| Average total loans | $186,396,800 | 2,285 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2003% | 618 |
| Cost of funding earning assets | 0.9457% | 6,194 |
| Net interest margin | 5.2546% | 263 |
| Noninterest income to average assets | 0.3172% | 5,612 |
| Noninterest expense to average assets | 2.9049% | 4,069 |
| Loan and lease loss provision to assets | 0.7564% | 2,024 |
| Net operating income to assets | 1.3496% | 1,223 |
| Return on assets (ROA) | 1.3496% | 1,301 |
| Pretax return on assets | 1.4463% | 1,756 |
| Return on Equity (ROE) | 11.2926% | 1,699 |
| Retained earnings to average equity (ytd only) | 1.0791% | 5,383 |
| Net charge-offs to loans | 1.0486% | 1,930 |
| Credit loss provision to net charge-offs | 85.8083% | 4,925 |
| Earnings coverage of net charge-offs (x) | 2.4989% | 3,920 |
| Efficiency ratio | 56.3565% | 6,504 |
| Assets per employee ($millions) | 3.8377% | 4,170 |
| Cash dividends to net income (ytd only)* | 90.4443% | 457 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6132% | 7,331 |
| Loan loss allowance to noncurrent loans | 43.0974% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 4,700 |
| Noncurrent loans to loans | 1.4229% | 4,479 |
| Net loans and leases to total assets | 84.6172% | 291 |
| Net loans and leases to deposits | 127.6826% | 77 |
| Net loans and leases to core deposits | 138.4964% | 272 |
| Total domestic deposits to total assets | 66.2715% | 7,458 |
| Equity capital to assets | 11.6713% | 2,381 |
| Core capital (leverage) ratio | 10.2268% | 3,010 |
| Tier 1 risk-based capital ratio | 11.1357% | 6,251 |
| Total risk-based capital ratio | 11.7128% | 6,793 |
| Memoranda: |
| Average total assets | $206,771,750 | 3,055 |
| Average earning assets | $188,501,750 | 3,062 |
| Average equity | $24,711,750 | 2,621 |
| Average total loans | $173,810,250 | 2,464 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1111% | 739 |
| Cost of funding earning assets | 0.9683% | 6,298 |
| Net interest margin | 5.1427% | 316 |
| Noninterest income to average assets | 0.2747% | 5,952 |
| Noninterest expense to average assets | 2.9240% | 3,987 |
| Loan and lease loss provision to assets | 0.2727% | 4,209 |
| Net operating income to assets | 1.6324% | 676 |
| Return on assets (ROA) | 1.6324% | 726 |
| Pretax return on assets | 1.7542% | 957 |
| Return on Equity (ROE) | 13.5504% | 1,130 |
| Retained earnings to average equity (ytd only) | 1.7221% | 5,014 |
| Net charge-offs to loans | 0.0256% | 5,978 |
| Credit loss provision to net charge-offs | 1,272.7273% | 307 |
| Earnings coverage of net charge-offs (x) | 94.5909% | 349 |
| Efficiency ratio | 58.5284% | 6,300 |
| Assets per employee ($millions) | 3.7624% | 4,314 |
| Cash dividends to net income (ytd only)* | 87.2912% | 618 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8808% | 6,824 |
| Loan loss allowance to noncurrent loans | 21.2993% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 3.5403% | 1,980 |
| Noncurrent loans to loans | 4.1354% | 1,809 |
| Net loans and leases to total assets | 84.5071% | 320 |
| Net loans and leases to deposits | 120.2025% | 116 |
| Net loans and leases to core deposits | 129.9543% | 421 |
| Total domestic deposits to total assets | 70.3039% | 7,308 |
| Equity capital to assets | 11.9498% | 2,127 |
| Core capital (leverage) ratio | 10.5359% | 2,599 |
| Tier 1 risk-based capital ratio | 11.9486% | 5,353 |
| Total risk-based capital ratio | 12.8218% | 5,669 |
| Memoranda: |
| Average total assets | $205,337,670 | 3,101 |
| Average earning assets | $186,710,330 | 3,107 |
| Average equity | $24,737,330 | 2,619 |
| Average total loans | $171,844,670 | 2,516 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0755% | 822 |
| Cost of funding earning assets | 0.9855% | 6,441 |
| Net interest margin | 5.0900% | 352 |
| Noninterest income to average assets | 0.2503% | 6,148 |
| Noninterest expense to average assets | 2.9510% | 3,852 |
| Loan and lease loss provision to assets | 0.1173% | 5,429 |
| Net operating income to assets | 1.6564% | 676 |
| Return on assets (ROA) | 1.6564% | 726 |
| Pretax return on assets | 1.7776% | 919 |
| Return on Equity (ROE) | 13.6933% | 1,107 |
| Retained earnings to average equity (ytd only) | 7.5499% | 1,902 |
| Net charge-offs to loans | 0.0307% | 5,144 |
| Credit loss provision to net charge-offs | 461.5385% | 911 |
| Earnings coverage of net charge-offs (x) | 74.5385% | 416 |
| Efficiency ratio | 60.3713% | 6,104 |
| Assets per employee ($millions) | 3.7504% | 4,431 |
| Cash dividends to net income (ytd only)* | 44.8642% | 1,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8015% | 7,126 |
| Loan loss allowance to noncurrent loans | 30.5714% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 2.1840% | 3,295 |
| Noncurrent loans to loans | 2.6217% | 3,043 |
| Net loans and leases to total assets | 82.0769% | 587 |
| Net loans and leases to deposits | 111.2604% | 267 |
| Net loans and leases to core deposits | 115.0866% | 994 |
| Total domestic deposits to total assets | 73.7701% | 7,072 |
| Equity capital to assets | 12.3197% | 1,859 |
| Core capital (leverage) ratio | 11.0248% | 2,215 |
| Tier 1 risk-based capital ratio | 12.6651% | 4,591 |
| Total risk-based capital ratio | 13.4560% | 4,962 |
| Memoranda: |
| Average total assets | $204,540,000 | 3,159 |
| Average earning assets | $184,676,500 | 3,191 |
| Average equity | $24,742,000 | 2,636 |
| Average total loans | $169,553,500 | 2,619 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3701% | 887 |
| Cost of funding earning assets | 1.2656% | 6,422 |
| Net interest margin | 5.1045% | 358 |
| Noninterest income to average assets | 0.3029% | 5,933 |
| Noninterest expense to average assets | 2.7869% | 5,028 |
| Loan and lease loss provision to assets | 0.4909% | 3,920 |
| Net operating income to assets | 1.5667% | 589 |
| Return on assets (ROA) | 1.5822% | 605 |
| Pretax return on assets | 1.7084% | 764 |
| Return on Equity (ROE) | 13.1111% | 938 |
| Retained earnings to average equity (ytd only) | 1.2896% | 4,142 |
| Net charge-offs to loans | 0.6926% | 3,111 |
| Credit loss provision to net charge-offs | 84.6024% | 6,170 |
| Earnings coverage of net charge-offs (x) | 3.7614% | 3,212 |
| Efficiency ratio | 55.5369% | 7,067 |
| Assets per employee ($millions) | 3.8252% | 4,217 |
| Cash dividends to net income (ytd only)* | 90.1644% | 848 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7555% | 7,248 |
| Loan loss allowance to noncurrent loans | 37.3487% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 1.7090% | 3,806 |
| Noncurrent loans to loans | 2.0228% | 3,619 |
| Net loans and leases to total assets | 82.4196% | 627 |
| Net loans and leases to deposits | 115.8452% | 236 |
| Net loans and leases to core deposits | 133.5506% | 1,084 |
| Total domestic deposits to total assets | 71.1463% | 7,324 |
| Equity capital to assets | 11.8775% | 2,093 |
| Core capital (leverage) ratio | 10.2262% | 2,858 |
| Tier 1 risk-based capital ratio | 11.9342% | 5,003 |
| Total risk-based capital ratio | 12.6703% | 5,448 |
| Memoranda: |
| Average total assets | $203,699,400 | 3,140 |
| Average earning assets | $186,229,000 | 3,141 |
| Average equity | $24,582,200 | 2,655 |
| Average total loans | $170,666,800 | 2,613 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3681% | 988 |
| Cost of funding earning assets | 1.3120% | 6,522 |
| Net interest margin | 5.0561% | 402 |
| Noninterest income to average assets | 0.3041% | 6,049 |
| Noninterest expense to average assets | 2.7299% | 5,195 |
| Loan and lease loss provision to assets | 0.1971% | 5,417 |
| Net operating income to assets | 1.8815% | 372 |
| Return on assets (ROA) | 1.9022% | 383 |
| Pretax return on assets | 2.0395% | 506 |
| Return on Equity (ROE) | 15.6998% | 688 |
| Retained earnings to average equity (ytd only) | 3.5780% | 3,286 |
| Net charge-offs to loans | 0.2840% | 4,258 |
| Credit loss provision to net charge-offs | 82.6446% | 5,690 |
| Earnings coverage of net charge-offs (x) | 9.2865% | 2,127 |
| Efficiency ratio | 54.6699% | 7,164 |
| Assets per employee ($millions) | 3.8146% | 4,160 |
| Cash dividends to net income (ytd only)* | 77.2099% | 1,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8205% | 7,056 |
| Loan loss allowance to noncurrent loans | 27.7614% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 2.5691% | 2,702 |
| Noncurrent loans to loans | 2.9556% | 2,563 |
| Net loans and leases to total assets | 84.5990% | 472 |
| Net loans and leases to deposits | 121.6530% | 177 |
| Net loans and leases to core deposits | 141.3911% | 858 |
| Total domestic deposits to total assets | 69.5412% | 7,452 |
| Equity capital to assets | 12.3220% | 2,054 |
| Core capital (leverage) ratio | 10.6199% | 2,695 |
| Tier 1 risk-based capital ratio | 12.5257% | 4,523 |
| Total risk-based capital ratio | 13.3557% | 4,821 |
| Memoranda: |
| Average total assets | $202,984,500 | 3,171 |
| Average earning assets | $186,278,500 | 3,163 |
| Average equity | $24,594,250 | 2,679 |
| Average total loans | $170,448,250 | 2,645 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3165% | 1,165 |
| Cost of funding earning assets | 1.3505% | 6,647 |
| Net interest margin | 4.9660% | 468 |
| Noninterest income to average assets | 0.2972% | 6,134 |
| Noninterest expense to average assets | 2.7522% | 5,169 |
| Loan and lease loss provision to assets | 0.1968% | 5,092 |
| Net operating income to assets | 1.7617% | 506 |
| Return on assets (ROA) | 1.7928% | 509 |
| Pretax return on assets | 1.9227% | 663 |
| Return on Equity (ROE) | 14.8806% | 852 |
| Retained earnings to average equity (ytd only) | 0.5635% | 4,972 |
| Net charge-offs to loans | 0.1366% | 4,802 |
| Credit loss provision to net charge-offs | 172.4138% | 2,669 |
| Earnings coverage of net charge-offs (x) | 18.2759% | 1,419 |
| Efficiency ratio | 56.3352% | 7,081 |
| Assets per employee ($millions) | 3.8621% | 3,958 |
| Cash dividends to net income (ytd only)* | 96.2130% | 773 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9152% | 6,704 |
| Loan loss allowance to noncurrent loans | 34.4508% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 2.3060% | 2,823 |
| Noncurrent loans to loans | 2.6565% | 2,718 |
| Net loans and leases to total assets | 84.2089% | 606 |
| Net loans and leases to deposits | 116.1089% | 327 |
| Net loans and leases to core deposits | 134.9552% | 1,265 |
| Total domestic deposits to total assets | 72.5257% | 7,179 |
| Equity capital to assets | 12.0436% | 2,181 |
| Core capital (leverage) ratio | 10.7543% | 2,603 |
| Tier 1 risk-based capital ratio | 12.0986% | 4,838 |
| Total risk-based capital ratio | 13.0095% | 5,058 |
| Memoranda: |
| Average total assets | $203,254,330 | 3,190 |
| Average earning assets | $185,863,330 | 3,193 |
| Average equity | $24,488,330 | 2,690 |
| Average total loans | $169,780,000 | 2,686 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3898% | 1,083 |
| Cost of funding earning assets | 1.4096% | 6,696 |
| Net interest margin | 4.9802% | 421 |
| Noninterest income to average assets | 0.2778% | 6,199 |
| Noninterest expense to average assets | 2.5373% | 5,701 |
| Loan and lease loss provision to assets | 0.1956% | 4,482 |
| Net operating income to assets | 1.9218% | 406 |
| Return on assets (ROA) | 1.9837% | 410 |
| Pretax return on assets | 2.1245% | 515 |
| Return on Equity (ROE) | 16.4617% | 758 |
| Retained earnings to average equity (ytd only) | 16.4617% | 306 |
| Net charge-offs to loans | 0.0307% | 5,091 |
| Credit loss provision to net charge-offs | 769.2308% | 774 |
| Earnings coverage of net charge-offs (x) | 88.6154% | 483 |
| Efficiency ratio | 52.3887% | 7,375 |
| Assets per employee ($millions) | 3.6083% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9755% | 6,341 |
| Loan loss allowance to noncurrent loans | 44.6123% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.8070% | 3,205 |
| Noncurrent loans to loans | 2.1867% | 3,000 |
| Net loans and leases to total assets | 81.5307% | 1,098 |
| Net loans and leases to deposits | 108.9290% | 674 |
| Net loans and leases to core deposits | 128.9090% | 1,722 |
| Total domestic deposits to total assets | 74.8476% | 6,737 |
| Equity capital to assets | 12.9111% | 1,788 |
| Core capital (leverage) ratio | 11.1318% | 2,392 |
| Tier 1 risk-based capital ratio | 13.1826% | 4,063 |
| Total risk-based capital ratio | 14.1342% | 4,187 |
| Memoranda: |
| Average total assets | $204,467,500 | 3,192 |
| Average earning assets | $185,295,500 | 3,223 |
| Average equity | $24,639,000 | 2,691 |
| Average total loans | $169,331,500 | 2,709 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1760% | 785 |
| Cost of funding earning assets | 2.2782% | 5,251 |
| Net interest margin | 4.8978% | 635 |
| Noninterest income to average assets | 0.3518% | 5,914 |
| Noninterest expense to average assets | 2.6327% | 5,520 |
| Loan and lease loss provision to assets | 0.1001% | 6,100 |
| Net operating income to assets | 1.8870% | 447 |
| Return on assets (ROA) | 1.9256% | 399 |
| Pretax return on assets | 2.0672% | 518 |
| Return on Equity (ROE) | 17.0234% | 628 |
| Retained earnings to average equity (ytd only) | 11.2280% | 297 |
| Net charge-offs to loans | 0.1837% | 4,362 |
| Credit loss provision to net charge-offs | 66.0066% | 6,142 |
| Earnings coverage of net charge-offs (x) | 14.0198% | 2,082 |
| Efficiency ratio | 54.7481% | 7,178 |
| Assets per employee ($millions) | 3.9646% | 3,590 |
| Cash dividends to net income (ytd only)* | 34.0437% | 3,940 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8292% | 6,980 |
| Loan loss allowance to noncurrent loans | 267.2694% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 6,524 |
| Noncurrent loans to loans | 0.3103% | 6,451 |
| Net loans and leases to total assets | 82.5641% | 1,127 |
| Net loans and leases to deposits | 112.4593% | 680 |
| Net loans and leases to core deposits | 127.3700% | 2,051 |
| Total domestic deposits to total assets | 73.4169% | 6,750 |
| Equity capital to assets | 11.2669% | 2,833 |
| Core capital (leverage) ratio | 10.0558% | 3,394 |
| Tier 1 risk-based capital ratio | 11.4738% | 5,263 |
| Total risk-based capital ratio | 12.2954% | 5,574 |
| Memoranda: |
| Average total assets | $199,832,800 | 3,144 |
| Average earning assets | $179,793,800 | 3,190 |
| Average equity | $22,604,200 | 2,893 |
| Average total loans | $164,974,200 | 2,699 |
