| 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 | 4.5193% | 695 |
| Cost of funding earning assets | 0.6333% | 776 |
| Net interest margin | 3.8860% | 986 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.4688% | 2,209 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.6131% | 670 |
| Return on assets (ROA) | 1.6131% | 643 |
| Pretax return on assets | 1.6131% | 1,139 |
| Return on Equity (ROE) | 14.7900% | 1,315 |
| Retained earnings to average equity (ytd only) | -0.2529% | 4,381 |
| Net charge-offs to loans | 0.0343% | 1,393 |
| Credit loss provision to net charge-offs | 286.1111% | 930 |
| Earnings coverage of net charge-offs (x) | 62.1389% | 1,228 |
| Efficiency ratio | 58.6953% | 3,233 |
| Assets per employee ($millions) | 10.1100% | 651 |
| Cash dividends to net income (ytd only)* | 101.7104% | 192 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3809% | 1,568 |
| Loan loss allowance to noncurrent loans | 6,417.3913% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,677 |
| Noncurrent loans to loans | 0.0215% | 3,650 |
| Net loans and leases to total assets | 80.2100% | 568 |
| Net loans and leases to deposits | 92.9642% | 848 |
| Net loans and leases to core deposits | 96.0160% | 1,206 |
| Total domestic deposits to total assets | 86.2800% | 2,647 |
| Equity capital to assets | 10.9457% | 1,281 |
| Core capital (leverage) ratio | 11.5154% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6347% | 1,754 |
| Memoranda: |
| Average total assets | $264,581,400 | 2,638 |
| Average earning assets | $253,423,800 | 2,593 |
| Average equity | $28,864,800 | 2,385 |
| Average total loans | $209,938,400 | 2,166 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2476% | 808 |
| Cost of funding earning assets | 0.4077% | 1,236 |
| Net interest margin | 3.8399% | 892 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.3500% | 2,477 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.6864% | 545 |
| Return on assets (ROA) | 1.6864% | 530 |
| Pretax return on assets | 1.6864% | 928 |
| Return on Equity (ROE) | 15.4700% | 1,085 |
| Retained earnings to average equity (ytd only) | -0.1892% | 4,365 |
| Net charge-offs to loans | 0.0013% | 2,271 |
| Credit loss provision to net charge-offs | 6,800.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 1,744.0000% | 75 |
| Efficiency ratio | 56.5878% | 3,562 |
| Assets per employee ($millions) | 10.4013% | 580 |
| Cash dividends to net income (ytd only)* | 101.2232% | 220 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3812% | 1,666 |
| Loan loss allowance to noncurrent loans | 5,367.2727% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,739 |
| Noncurrent loans to loans | 0.0257% | 3,718 |
| Net loans and leases to total assets | 77.9400% | 710 |
| Net loans and leases to deposits | 87.9289% | 1,040 |
| Net loans and leases to core deposits | 89.3226% | 1,341 |
| Total domestic deposits to total assets | 88.6400% | 2,236 |
| Equity capital to assets | 10.6003% | 1,333 |
| Core capital (leverage) ratio | 10.8555% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7046% | 1,809 |
| Memoranda: |
| Average total assets | $265,011,500 | 2,654 |
| Average earning assets | $253,751,000 | 2,611 |
| Average equity | $28,888,000 | 2,416 |
| Average total loans | $208,978,000 | 2,176 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0111% | 918 |
| Cost of funding earning assets | 0.2389% | 2,407 |
| Net interest margin | 3.7722% | 798 |
| Noninterest income to average assets | 0.4179% | 2,645 |
| Noninterest expense to average assets | 2.3472% | 2,407 |
| Loan and lease loss provision to assets | 0.0274% | 2,104 |
| Net operating income to assets | 1.6428% | 494 |
| Return on assets (ROA) | 1.6428% | 485 |
| Pretax return on assets | 1.6428% | 864 |
| Return on Equity (ROE) | 14.9301% | 908 |
| Retained earnings to average equity (ytd only) | 3.7291% | 3,190 |
| Net charge-offs to loans | -0.0125% | 3,675 |
| Credit loss provision to net charge-offs | -276.9231% | 3,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7454% | 3,593 |
| Assets per employee ($millions) | 10.4242% | 580 |
| Cash dividends to net income (ytd only)* | 75.0231% | 704 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3768% | 1,851 |
| Loan loss allowance to noncurrent loans | 28,670.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,026 |
| Noncurrent loans to loans | 0.0048% | 3,961 |
| Net loans and leases to total assets | 75.7765% | 751 |
| Net loans and leases to deposits | 85.9609% | 975 |
| Net loans and leases to core deposits | 88.0400% | 1,222 |
| Total domestic deposits to total assets | 88.1522% | 2,515 |
| Equity capital to assets | 10.8184% | 1,298 |
| Core capital (leverage) ratio | 11.4683% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3507% | 1,616 |
| Memoranda: |
| Average total assets | $263,203,667 | 2,689 |
| Average earning assets | $251,154,667 | 2,662 |
| Average equity | $28,961,667 | 2,466 |
| Average total loans | $207,394,000 | 2,182 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8254% | 1,043 |
| Cost of funding earning assets | 0.2226% | 2,493 |
| Net interest margin | 3.6028% | 889 |
| Noninterest income to average assets | 0.4319% | 2,486 |
| Noninterest expense to average assets | 2.3356% | 2,381 |
| Loan and lease loss provision to assets | 0.0555% | 1,387 |
| Net operating income to assets | 1.4609% | 694 |
| Return on assets (ROA) | 1.4609% | 688 |
| Pretax return on assets | 1.4609% | 1,101 |
| Return on Equity (ROE) | 13.1610% | 1,002 |
| Retained earnings to average equity (ytd only) | 3.5717% | 3,088 |
| Net charge-offs to loans | 0.0522% | 770 |
| Credit loss provision to net charge-offs | 133.3333% | 891 |
| Earnings coverage of net charge-offs (x) | 36.4074% | 1,046 |
| Efficiency ratio | 59.9119% | 3,487 |
| Assets per employee ($millions) | 9.8773% | 709 |
| Cash dividends to net income (ytd only)* | 72.8617% | 814 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3805% | 1,988 |
| Loan loss allowance to noncurrent loans | 12,850.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,994 |
| Noncurrent loans to loans | 0.0107% | 3,940 |
| Net loans and leases to total assets | 75.7246% | 525 |
| Net loans and leases to deposits | 85.8392% | 751 |
| Net loans and leases to core deposits | 90.6071% | 896 |
| Total domestic deposits to total assets | 88.2169% | 2,422 |
| Equity capital to assets | 10.7516% | 1,465 |
| Core capital (leverage) ratio | 11.1129% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1661% | 1,737 |
| Memoranda: |
| Average total assets | $259,290,500 | 2,725 |
| Average earning assets | $246,143,500 | 2,703 |
| Average equity | $28,782,000 | 2,545 |
| Average total loans | $206,969,000 | 2,181 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2473% | 923 |
| Cost of funding earning assets | 0.2502% | 2,935 |
| Net interest margin | 3.9971% | 715 |
| Noninterest income to average assets | 0.4178% | 2,961 |
| Noninterest expense to average assets | 2.2150% | 3,029 |
| Loan and lease loss provision to assets | 0.0672% | 1,727 |
| Net operating income to assets | 1.9647% | 361 |
| Return on assets (ROA) | 1.9647% | 382 |
| Pretax return on assets | 1.9647% | 645 |
| Return on Equity (ROE) | 18.7002% | 398 |
| Retained earnings to average equity (ytd only) | 10.5521% | 792 |
| Net charge-offs to loans | 0.0189% | 1,901 |
| Credit loss provision to net charge-offs | 421.4286% | 887 |
| Earnings coverage of net charge-offs (x) | 127.3810% | 745 |
| Efficiency ratio | 51.5114% | 4,158 |
| Assets per employee ($millions) | 9.6883% | 734 |
| Cash dividends to net income (ytd only)* | 43.5724% | 1,843 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3473% | 2,150 |
| Loan loss allowance to noncurrent loans | 8,539.3939% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,012 |
| Noncurrent loans to loans | 0.0158% | 3,973 |
| Net loans and leases to total assets | 81.9175% | 184 |
| Net loans and leases to deposits | 93.7323% | 394 |
| Net loans and leases to core deposits | 99.8143% | 547 |
| Total domestic deposits to total assets | 87.3951% | 2,338 |
| Equity capital to assets | 11.4695% | 1,522 |
| Core capital (leverage) ratio | 10.5189% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9643% | 1,855 |
| Memoranda: |
| Average total assets | $263,299,000 | 2,644 |
| Average earning assets | $252,229,800 | 2,602 |
| Average equity | $27,662,800 | 2,671 |
| Average total loans | $222,092,800 | 2,091 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2760% | 985 |
| Cost of funding earning assets | 0.2589% | 3,027 |
| Net interest margin | 4.0171% | 773 |
| Noninterest income to average assets | 0.3882% | 3,164 |
| Noninterest expense to average assets | 2.2102% | 3,037 |
| Loan and lease loss provision to assets | 0.0631% | 1,737 |
| Net operating income to assets | 1.9708% | 484 |
| Return on assets (ROA) | 1.9708% | 510 |
| Pretax return on assets | 1.9708% | 838 |
| Return on Equity (ROE) | 19.1740% | 494 |
| Retained earnings to average equity (ytd only) | 11.4976% | 947 |
| Net charge-offs to loans | 0.0284% | 1,485 |
| Credit loss provision to net charge-offs | 262.5000% | 1,069 |
| Earnings coverage of net charge-offs (x) | 84.5833% | 948 |
| Efficiency ratio | 51.4400% | 4,082 |
| Assets per employee ($millions) | 9.4829% | 778 |
| Cash dividends to net income (ytd only)* | 40.0356% | 1,613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3539% | 2,203 |
| Loan loss allowance to noncurrent loans | 6,573.8095% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,093 |
| Noncurrent loans to loans | 0.0206% | 4,050 |
| Net loans and leases to total assets | 81.5899% | 209 |
| Net loans and leases to deposits | 93.5255% | 431 |
| Net loans and leases to core deposits | 97.0485% | 699 |
| Total domestic deposits to total assets | 87.2381% | 2,250 |
| Equity capital to assets | 11.4879% | 1,690 |
| Core capital (leverage) ratio | 11.1606% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4270% | 1,819 |
| Memoranda: |
| Average total assets | $266,150,000 | 2,653 |
| Average earning assets | $255,465,250 | 2,603 |
| Average equity | $27,355,750 | 2,717 |
| Average total loans | $225,325,000 | 2,107 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2766% | 1,042 |
| Cost of funding earning assets | 0.2723% | 3,066 |
| Net interest margin | 4.0044% | 813 |
| Noninterest income to average assets | 0.3770% | 3,234 |
| Noninterest expense to average assets | 2.1637% | 3,204 |
| Loan and lease loss provision to assets | 0.0667% | 1,711 |
| Net operating income to assets | 1.9972% | 487 |
| Return on assets (ROA) | 1.9972% | 511 |
| Pretax return on assets | 1.9972% | 842 |
| Return on Equity (ROE) | 20.1457% | 446 |
| Retained earnings to average equity (ytd only) | 11.6302% | 991 |
| Net charge-offs to loans | 0.0206% | 1,525 |
| Credit loss provision to net charge-offs | 379.1667% | 782 |
| Earnings coverage of net charge-offs (x) | 117.2500% | 678 |
| Efficiency ratio | 50.5552% | 4,188 |
| Assets per employee ($millions) | 9.6184% | 687 |
| Cash dividends to net income (ytd only)* | 42.2696% | 1,502 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2854% | 2,507 |
| Loan loss allowance to noncurrent loans | 7,432.4324% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,194 |
| Noncurrent loans to loans | 0.0173% | 4,138 |
| Net loans and leases to total assets | 84.4517% | 120 |
| Net loans and leases to deposits | 102.2479% | 214 |
| Net loans and leases to core deposits | 105.5938% | 484 |
| Total domestic deposits to total assets | 82.5950% | 3,793 |
| Equity capital to assets | 11.1701% | 1,858 |
| Core capital (leverage) ratio | 11.0834% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6154% | 1,754 |
| Memoranda: |
| Average total assets | $272,681,667 | 2,590 |
| Average earning assets | $262,214,667 | 2,547 |
| Average equity | $27,033,000 | 2,734 |
| Average total loans | $232,458,333 | 2,081 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0689% | 1,459 |
| Cost of funding earning assets | 0.2660% | 3,318 |
| Net interest margin | 3.8029% | 1,133 |
| Noninterest income to average assets | 0.3564% | 3,299 |
| Noninterest expense to average assets | 2.0846% | 3,472 |
| Loan and lease loss provision to assets | 0.1127% | 1,227 |
| Net operating income to assets | 1.8438% | 727 |
| Return on assets (ROA) | 1.8438% | 779 |
| Pretax return on assets | 1.8438% | 1,208 |
| Return on Equity (ROE) | 19.6972% | 556 |
| Retained earnings to average equity (ytd only) | 6.3049% | 2,794 |
| Net charge-offs to loans | -0.0149% | 3,853 |
| Credit loss provision to net charge-offs | -888.8889% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9585% | 4,102 |
| Assets per employee ($millions) | 11.3917% | 401 |
| Cash dividends to net income (ytd only)* | 67.9908% | 749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1080% | 3,393 |
| Loan loss allowance to noncurrent loans | 5,544.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 4,249 |
| Noncurrent loans to loans | 0.0200% | 4,186 |
| Net loans and leases to total assets | 86.8750% | 70 |
| Net loans and leases to deposits | 116.1268% | 91 |
| Net loans and leases to core deposits | 119.2822% | 249 |
| Total domestic deposits to total assets | 74.8105% | 4,635 |
| Equity capital to assets | 9.3268% | 3,361 |
| Core capital (leverage) ratio | 10.7073% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9431% | 1,910 |
| Memoranda: |
| Average total assets | $283,983,500 | 2,518 |
| Average earning assets | $275,162,000 | 2,460 |
| Average equity | $26,582,500 | 2,760 |
| Average total loans | $241,715,000 | 2,015 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1949% | 2,153 |
| Cost of funding earning assets | 0.6647% | 1,899 |
| Net interest margin | 3.5302% | 2,372 |
| Noninterest income to average assets | 0.3746% | 3,241 |
| Noninterest expense to average assets | 2.2598% | 3,511 |
| Loan and lease loss provision to assets | 0.3706% | 887 |
| Net operating income to assets | 1.1528% | 1,709 |
| Return on assets (ROA) | 1.1599% | 1,805 |
| Pretax return on assets | 1.1599% | 2,479 |
| Return on Equity (ROE) | 11.4662% | 1,476 |
| Retained earnings to average equity (ytd only) | 9.2256% | 723 |
| Net charge-offs to loans | 0.0664% | 1,832 |
| Credit loss provision to net charge-offs | 665.7143% | 1,032 |
| Earnings coverage of net charge-offs (x) | 27.3643% | 1,686 |
| Efficiency ratio | 58.7660% | 3,621 |
| Assets per employee ($millions) | 10.1134% | 509 |
| Cash dividends to net income (ytd only)* | 19.5406% | 3,261 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1503% | 3,206 |
| Loan loss allowance to noncurrent loans | 22,358.3333% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,439 |
| Noncurrent loans to loans | 0.0051% | 4,376 |
| Net loans and leases to total assets | 81.4203% | 332 |
| Net loans and leases to deposits | 110.6950% | 158 |
| Net loans and leases to core deposits | 112.5259% | 440 |
| Total domestic deposits to total assets | 73.5537% | 4,654 |
| Equity capital to assets | 9.3946% | 3,704 |
| Core capital (leverage) ratio | 11.0038% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7687% | 1,941 |
| Memoranda: |
| Average total assets | $251,484,200 | 2,570 |
| Average earning assets | $242,819,400 | 2,507 |
| Average equity | $25,440,000 | 2,771 |
| Average total loans | $210,884,600 | 2,158 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1942% | 2,414 |
| Cost of funding earning assets | 0.7775% | 1,600 |
| Net interest margin | 3.4167% | 2,859 |
| Noninterest income to average assets | 0.3854% | 3,157 |
| Noninterest expense to average assets | 2.2751% | 3,482 |
| Loan and lease loss provision to assets | 0.3839% | 951 |
| Net operating income to assets | 1.0198% | 2,261 |
| Return on assets (ROA) | 1.0297% | 2,353 |
| Pretax return on assets | 1.0297% | 2,965 |
| Return on Equity (ROE) | 9.9722% | 2,027 |
| Retained earnings to average equity (ytd only) | 9.9457% | 772 |
| Net charge-offs to loans | 0.0649% | 1,685 |
| Credit loss provision to net charge-offs | 701.0000% | 1,068 |
| Earnings coverage of net charge-offs (x) | 25.6400% | 1,716 |
| Efficiency ratio | 60.7440% | 3,269 |
| Assets per employee ($millions) | 9.9006% | 522 |
| Cash dividends to net income (ytd only)* | 0.2658% | 3,331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0140% | 3,642 |
| Loan loss allowance to noncurrent loans | 5,795.3488% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,409 |
| Noncurrent loans to loans | 0.0175% | 4,356 |
| Net loans and leases to total assets | 87.7530% | 84 |
| Net loans and leases to deposits | 123.7691% | 85 |
| Net loans and leases to core deposits | 126.9906% | 287 |
| Total domestic deposits to total assets | 70.9005% | 4,723 |
| Equity capital to assets | 9.4399% | 3,730 |
| Core capital (leverage) ratio | 10.3915% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1242% | 1,790 |
| Memoranda: |
| Average total assets | $243,561,750 | 2,604 |
| Average earning assets | $234,762,750 | 2,546 |
| Average equity | $25,149,250 | 2,781 |
| Average total loans | $205,294,750 | 2,195 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3257% | 2,404 |
| Cost of funding earning assets | 0.9376% | 1,199 |
| Net interest margin | 3.3881% | 3,143 |
| Noninterest income to average assets | 0.4209% | 2,968 |
| Noninterest expense to average assets | 2.4197% | 3,200 |
| Loan and lease loss provision to assets | 0.3529% | 1,197 |
| Net operating income to assets | 0.9081% | 2,659 |
| Return on assets (ROA) | 0.9236% | 2,733 |
| Pretax return on assets | 0.9236% | 3,250 |
| Return on Equity (ROE) | 8.6500% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.6097% | 1,130 |
| Net charge-offs to loans | 0.0188% | 2,345 |
| Credit loss provision to net charge-offs | 2,277.7778% | 436 |
| Earnings coverage of net charge-offs (x) | 81.3889% | 797 |
| Efficiency ratio | 64.4294% | 2,763 |
| Assets per employee ($millions) | 10.5392% | 436 |
| Cash dividends to net income (ytd only)* | 0.4660% | 3,181 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9571% | 3,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 86.2196% | 128 |
| Net loans and leases to deposits | 112.3134% | 187 |
| Net loans and leases to core deposits | 114.7557% | 573 |
| Total domestic deposits to total assets | 76.7670% | 4,348 |
| Equity capital to assets | 9.2749% | 3,860 |
| Core capital (leverage) ratio | 10.0597% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0746% | 1,781 |
| Memoranda: |
| Average total assets | $232,343,000 | 2,665 |
| Average earning assets | $223,547,667 | 2,598 |
| Average equity | $24,809,333 | 2,794 |
| Average total loans | $191,806,667 | 2,286 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6988% | 1,710 |
| Cost of funding earning assets | 1.3076% | 553 |
| Net interest margin | 3.3912% | 3,320 |
| Noninterest income to average assets | 0.3782% | 3,247 |
| Noninterest expense to average assets | 2.7158% | 2,668 |
| Loan and lease loss provision to assets | 0.1097% | 2,305 |
| Net operating income to assets | 0.8094% | 2,873 |
| Return on assets (ROA) | 0.8094% | 2,961 |
| Pretax return on assets | 0.8094% | 3,389 |
| Return on Equity (ROE) | 6.9859% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.9859% | 1,541 |
| Net charge-offs to loans | 0.0380% | 1,660 |
| Credit loss provision to net charge-offs | 362.5000% | 1,060 |
| Earnings coverage of net charge-offs (x) | 30.3750% | 1,176 |
| Efficiency ratio | 72.9969% | 1,937 |
| Assets per employee ($millions) | 8.2385% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1467% | 2,953 |
| Loan loss allowance to noncurrent loans | 48,325.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,640 |
| Noncurrent loans to loans | 0.0024% | 4,575 |
| Net loans and leases to total assets | 80.9087% | 578 |
| Net loans and leases to deposits | 93.6123% | 1,111 |
| Net loans and leases to core deposits | 96.7712% | 1,729 |
| Total domestic deposits to total assets | 86.4296% | 1,811 |
| Equity capital to assets | 12.0259% | 2,046 |
| Core capital (leverage) ratio | 11.4925% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3166% | 2,141 |
| Memoranda: |
| Average total assets | $211,504,500 | 2,778 |
| Average earning assets | $203,115,500 | 2,723 |
| Average equity | $24,506,500 | 2,809 |
| Average total loans | $168,439,000 | 2,463 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0668% | 1,298 |
| Cost of funding earning assets | 1.5366% | 357 |
| Net interest margin | 3.5302% | 3,349 |
| Noninterest income to average assets | 0.3971% | 3,311 |
| Noninterest expense to average assets | 2.6108% | 3,149 |
| Loan and lease loss provision to assets | 0.1164% | 1,814 |
| Net operating income to assets | 1.0713% | 2,567 |
| Return on assets (ROA) | 1.0713% | 2,662 |
| Pretax return on assets | 1.0713% | 3,257 |
| Return on Equity (ROE) | 9.3612% | 2,582 |
| Retained earnings to average equity (ytd only) | 7.8950% | 1,007 |
| Net charge-offs to loans | 0.0519% | 2,374 |
| Credit loss provision to net charge-offs | 275.9036% | 1,020 |
| Earnings coverage of net charge-offs (x) | 28.1446% | 1,639 |
| Efficiency ratio | 66.9522% | 2,627 |
| Assets per employee ($millions) | 8.3479% | 629 |
| Cash dividends to net income (ytd only)* | 15.6621% | 3,609 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1236% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.6713% | 1,299 |
| Net loans and leases to deposits | 87.7478% | 1,882 |
| Net loans and leases to core deposits | 90.6665% | 2,361 |
| Total domestic deposits to total assets | 87.3769% | 1,417 |
| Equity capital to assets | 11.1700% | 2,845 |
| Core capital (leverage) ratio | 11.5148% | 2,100 |
| Tier 1 risk-based capital ratio | 12.9173% | 3,829 |
| Total risk-based capital ratio | 14.0015% | 3,810 |
| Memoranda: |
| Average total assets | $196,680,000 | 2,870 |
| Average earning assets | $189,506,800 | 2,806 |
| Average equity | $22,507,800 | 2,916 |
| Average total loans | $159,801,600 | 2,512 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1895% | 1,065 |
| Cost of funding earning assets | 1.5897% | 314 |
| Net interest margin | 3.5998% | 3,253 |
| Noninterest income to average assets | 0.3814% | 3,429 |
| Noninterest expense to average assets | 2.6549% | 2,999 |
| Loan and lease loss provision to assets | 0.0598% | 2,699 |
| Net operating income to assets | 1.1399% | 2,414 |
| Return on assets (ROA) | 1.1399% | 2,498 |
| Pretax return on assets | 1.1399% | 3,169 |
| Return on Equity (ROE) | 9.8939% | 2,477 |
| Retained earnings to average equity (ytd only) | 7.9006% | 1,441 |
| Net charge-offs to loans | -0.0025% | 4,083 |
| Credit loss provision to net charge-offs | -2,866.6667% | 4,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0699% | 2,577 |
| Assets per employee ($millions) | 8.5657% | 563 |
| Cash dividends to net income (ytd only)* | 20.1465% | 3,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1401% | 2,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.3913% | 308 |
| Net loans and leases to deposits | 100.0057% | 636 |
| Net loans and leases to core deposits | 104.0309% | 1,322 |
| Total domestic deposits to total assets | 84.3865% | 2,681 |
| Equity capital to assets | 12.1446% | 2,152 |
| Core capital (leverage) ratio | 11.3661% | 2,330 |
| Tier 1 risk-based capital ratio | 12.9590% | 3,872 |
| Total risk-based capital ratio | 14.0833% | 3,836 |
| Memoranda: |
| Average total assets | $191,588,500 | 2,932 |
| Average earning assets | $184,856,750 | 2,867 |
| Average equity | $22,073,750 | 2,980 |
| Average total loans | $157,676,250 | 2,561 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1225% | 1,165 |
| Cost of funding earning assets | 1.5711% | 302 |
| Net interest margin | 3.5514% | 3,428 |
| Noninterest income to average assets | 0.4059% | 3,236 |
| Noninterest expense to average assets | 2.6516% | 3,056 |
| Loan and lease loss provision to assets | 0.0436% | 2,952 |
| Net operating income to assets | 1.1441% | 2,350 |
| Return on assets (ROA) | 1.1441% | 2,427 |
| Pretax return on assets | 1.1441% | 3,098 |
| Return on Equity (ROE) | 10.1087% | 2,338 |
| Retained earnings to average equity (ytd only) | 7.0816% | 1,767 |
| Net charge-offs to loans | -0.0498% | 4,822 |
| Credit loss provision to net charge-offs | -107.6923% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2526% | 2,648 |
| Assets per employee ($millions) | 8.1114% | 646 |
| Cash dividends to net income (ytd only)* | 29.9456% | 2,635 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1695% | 2,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.7109% | 515 |
| Net loans and leases to deposits | 95.9800% | 1,041 |
| Net loans and leases to core deposits | 101.7883% | 1,573 |
| Total domestic deposits to total assets | 86.1752% | 1,943 |
| Equity capital to assets | 11.9783% | 2,198 |
| Core capital (leverage) ratio | 11.0979% | 2,503 |
| Tier 1 risk-based capital ratio | 13.1062% | 3,783 |
| Total risk-based capital ratio | 14.2696% | 3,731 |
| Memoranda: |
| Average total assets | $192,636,000 | 2,937 |
| Average earning assets | $186,237,000 | 2,865 |
| Average equity | $21,803,000 | 2,989 |
| Average total loans | $156,613,000 | 2,587 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9472% | 1,484 |
| Cost of funding earning assets | 1.4590% | 374 |
| Net interest margin | 3.4882% | 3,622 |
| Noninterest income to average assets | 0.3945% | 3,216 |
| Noninterest expense to average assets | 2.5860% | 3,252 |
| Loan and lease loss provision to assets | 0.0204% | 3,176 |
| Net operating income to assets | 1.1652% | 2,197 |
| Return on assets (ROA) | 1.1652% | 2,247 |
| Pretax return on assets | 1.1652% | 2,920 |
| Return on Equity (ROE) | 10.5894% | 2,124 |
| Retained earnings to average equity (ytd only) | 4.4587% | 3,142 |
| Net charge-offs to loans | -0.1122% | 5,053 |
| Credit loss provision to net charge-offs | -22.7273% | 3,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7751% | 2,826 |
| Assets per employee ($millions) | 7.5136% | 815 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1276% | 2,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.7466% | 751 |
| Net loans and leases to deposits | 92.7223% | 1,312 |
| Net loans and leases to core deposits | 100.1995% | 1,606 |
| Total domestic deposits to total assets | 87.0844% | 1,768 |
| Equity capital to assets | 11.0999% | 2,743 |
| Core capital (leverage) ratio | 11.0657% | 2,514 |
| Tier 1 risk-based capital ratio | 12.4582% | 4,199 |
| Total risk-based capital ratio | 13.5785% | 4,151 |
| Memoranda: |
| Average total assets | $195,672,500 | 2,946 |
| Average earning assets | $189,441,000 | 2,859 |
| Average equity | $21,531,000 | 3,024 |
| Average total loans | $156,852,500 | 2,611 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9138% | 1,245 |
| Cost of funding earning assets | 1.2162% | 316 |
| Net interest margin | 3.6977% | 3,040 |
| Noninterest income to average assets | 0.3680% | 3,635 |
| Noninterest expense to average assets | 2.8886% | 2,399 |
| Loan and lease loss provision to assets | 0.1837% | 1,059 |
| Net operating income to assets | 0.8694% | 3,540 |
| Return on assets (ROA) | 0.8694% | 3,535 |
| Pretax return on assets | 0.8694% | 3,976 |
| Return on Equity (ROE) | 7.2637% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.3509% | 2,558 |
| Net charge-offs to loans | 0.0401% | 2,600 |
| Credit loss provision to net charge-offs | 546.5517% | 636 |
| Earnings coverage of net charge-offs (x) | 31.3276% | 1,548 |
| Efficiency ratio | 71.3277% | 1,994 |
| Assets per employee ($millions) | 7.8397% | 694 |
| Cash dividends to net income (ytd only)* | 26.3333% | 3,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1319% | 2,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.7685% | 1,311 |
| Net loans and leases to deposits | 89.0195% | 1,923 |
| Net loans and leases to core deposits | 100.9538% | 1,651 |
| Total domestic deposits to total assets | 87.3612% | 1,605 |
| Equity capital to assets | 10.9076% | 2,785 |
| Core capital (leverage) ratio | 10.9713% | 2,551 |
| Tier 1 risk-based capital ratio | 12.5956% | 4,079 |
| Total risk-based capital ratio | 13.7094% | 4,033 |
| Memoranda: |
| Average total assets | $172,541,200 | 3,144 |
| Average earning assets | $166,754,000 | 3,056 |
| Average equity | $20,650,600 | 3,026 |
| Average total loans | $144,782,600 | 2,710 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8871% | 1,192 |
| Cost of funding earning assets | 1.1281% | 353 |
| Net interest margin | 3.7590% | 2,795 |
| Noninterest income to average assets | 0.3928% | 3,526 |
| Noninterest expense to average assets | 3.0325% | 1,924 |
| Loan and lease loss provision to assets | 0.1016% | 1,970 |
| Net operating income to assets | 0.8863% | 3,595 |
| Return on assets (ROA) | 0.8863% | 3,596 |
| Pretax return on assets | 0.8863% | 4,067 |
| Return on Equity (ROE) | 7.2173% | 3,854 |
| Retained earnings to average equity (ytd only) | 4.6443% | 3,424 |
| Net charge-offs to loans | 0.0084% | 3,113 |
| Credit loss provision to net charge-offs | 1,411.1111% | 290 |
| Earnings coverage of net charge-offs (x) | 137.2192% | 589 |
| Efficiency ratio | 73.4381% | 1,666 |
| Assets per employee ($millions) | 6.7106% | 1,079 |
| Cash dividends to net income (ytd only)* | 35.6495% | 2,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0962% | 3,218 |
| Loan loss allowance to noncurrent loans | 3,819.0476% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,860 |
| Noncurrent loans to loans | 0.0287% | 4,765 |
| Net loans and leases to total assets | 86.2618% | 239 |
| Net loans and leases to deposits | 100.9304% | 707 |
| Net loans and leases to core deposits | 114.1913% | 805 |
| Total domestic deposits to total assets | 85.4667% | 2,419 |
| Equity capital to assets | 12.4954% | 1,590 |
| Core capital (leverage) ratio | 11.6049% | 2,082 |
| Tier 1 risk-based capital ratio | 13.2516% | 3,757 |
| Total risk-based capital ratio | 14.3525% | 3,759 |
| Memoranda: |
| Average total assets | $166,678,500 | 3,228 |
| Average earning assets | $160,855,000 | 3,159 |
| Average equity | $20,468,750 | 3,072 |
| Average total loans | $142,437,000 | 2,753 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7840% | 1,294 |
| Cost of funding earning assets | 1.0331% | 399 |
| Net interest margin | 3.7510% | 2,748 |
| Noninterest income to average assets | 0.4016% | 3,472 |
| Noninterest expense to average assets | 3.0725% | 1,853 |
| Loan and lease loss provision to assets | 0.1311% | 1,514 |
| Net operating income to assets | 0.8177% | 3,797 |
| Return on assets (ROA) | 0.8177% | 3,805 |
| Pretax return on assets | 0.8177% | 4,200 |
| Return on Equity (ROE) | 6.6982% | 3,994 |
| Retained earnings to average equity (ytd only) | 2.8073% | 4,132 |
| Net charge-offs to loans | 0.0255% | 2,342 |
| Credit loss provision to net charge-offs | 605.5556% | 614 |
| Earnings coverage of net charge-offs (x) | 43.8333% | 1,225 |
| Efficiency ratio | 74.4019% | 1,650 |
| Assets per employee ($millions) | 6.7072% | 1,069 |
| Cash dividends to net income (ytd only)* | 58.0882% | 1,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1019% | 3,246 |
| Loan loss allowance to noncurrent loans | 12,130.7692% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 5,011 |
| Noncurrent loans to loans | 0.0091% | 4,915 |
| Net loans and leases to total assets | 84.4071% | 419 |
| Net loans and leases to deposits | 103.3729% | 560 |
| Net loans and leases to core deposits | 118.1973% | 621 |
| Total domestic deposits to total assets | 81.6530% | 3,827 |
| Equity capital to assets | 12.2460% | 1,698 |
| Core capital (leverage) ratio | 11.6518% | 1,941 |
| Tier 1 risk-based capital ratio | 12.9317% | 3,929 |
| Total risk-based capital ratio | 14.0137% | 3,932 |
| Memoranda: |
| Average total assets | $166,316,000 | 3,248 |
| Average earning assets | $160,491,670 | 3,184 |
| Average equity | $20,304,000 | 3,104 |
| Average total loans | $141,142,000 | 2,781 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7407% | 1,208 |
| Cost of funding earning assets | 0.9801% | 406 |
| Net interest margin | 3.7606% | 2,576 |
| Noninterest income to average assets | 0.3478% | 3,815 |
| Noninterest expense to average assets | 3.1394% | 1,713 |
| Loan and lease loss provision to assets | 0.2294% | 680 |
| Net operating income to assets | 0.6110% | 4,394 |
| Return on assets (ROA) | 0.6110% | 4,400 |
| Pretax return on assets | 0.6110% | 4,662 |
| Return on Equity (ROE) | 5.0126% | 4,483 |
| Retained earnings to average equity (ytd only) | -2.7143% | 5,062 |
| Net charge-offs to loans | 0.0771% | 1,351 |
| Credit loss provision to net charge-offs | 351.8519% | 738 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,781 |
| Efficiency ratio | 76.8811% | 1,477 |
| Assets per employee ($millions) | 6.7215% | 1,079 |
| Cash dividends to net income (ytd only)* | 154.1502% | 301 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0843% | 3,482 |
| Loan loss allowance to noncurrent loans | 14,127.2727% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 5,098 |
| Noncurrent loans to loans | 0.0077% | 4,978 |
| Net loans and leases to total assets | 84.3619% | 400 |
| Net loans and leases to deposits | 100.0904% | 704 |
| Net loans and leases to core deposits | 125.3127% | 440 |
| Total domestic deposits to total assets | 84.2857% | 3,204 |
| Equity capital to assets | 11.9711% | 1,812 |
| Core capital (leverage) ratio | 11.2824% | 2,182 |
| Tier 1 risk-based capital ratio | 12.6854% | 4,122 |
| Total risk-based capital ratio | 13.7565% | 4,138 |
| Memoranda: |
| Average total assets | $165,634,500 | 3,300 |
| Average earning assets | $159,976,000 | 3,220 |
| Average equity | $20,189,000 | 3,142 |
| Average total loans | $140,158,000 | 2,813 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6933% | 1,214 |
| Cost of funding earning assets | 0.7477% | 830 |
| Net interest margin | 3.9456% | 1,932 |
| Noninterest income to average assets | 0.4962% | 3,024 |
| Noninterest expense to average assets | 2.9688% | 2,253 |
| Loan and lease loss provision to assets | 0.1454% | 1,566 |
| Net operating income to assets | 1.1255% | 1,768 |
| Return on assets (ROA) | 1.1255% | 1,800 |
| Pretax return on assets | 1.1255% | 3,085 |
| Return on Equity (ROE) | 8.7569% | 2,429 |
| Retained earnings to average equity (ytd only) | 3.6276% | 3,084 |
| Net charge-offs to loans | 0.0709% | 2,437 |
| Credit loss provision to net charge-offs | 247.7778% | 1,114 |
| Earnings coverage of net charge-offs (x) | 21.6556% | 1,889 |
| Efficiency ratio | 67.9791% | 2,898 |
| Assets per employee ($millions) | 5.6287% | 1,815 |
| Cash dividends to net income (ytd only)* | 58.5747% | 1,821 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0847% | 3,427 |
| Loan loss allowance to noncurrent loans | 1,486.0000% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 4,815 |
| Noncurrent loans to loans | 0.0730% | 4,672 |
| Net loans and leases to total assets | 83.0210% | 559 |
| Net loans and leases to deposits | 97.2975% | 963 |
| Net loans and leases to core deposits | 118.3339% | 641 |
| Total domestic deposits to total assets | 85.3269% | 2,715 |
| Equity capital to assets | 12.4131% | 1,564 |
| Core capital (leverage) ratio | 11.4184% | 2,001 |
| Tier 1 risk-based capital ratio | 13.5544% | 3,597 |
| Total risk-based capital ratio | 14.6328% | 3,607 |
| Memoranda: |
| Average total assets | $153,360,200 | 3,426 |
| Average earning assets | $145,503,800 | 3,377 |
| Average equity | $19,710,200 | 3,176 |
| Average total loans | $127,015,000 | 2,962 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6655% | 1,214 |
| Cost of funding earning assets | 0.6930% | 994 |
| Net interest margin | 3.9726% | 1,795 |
| Noninterest income to average assets | 0.4975% | 3,037 |
| Noninterest expense to average assets | 3.0272% | 2,035 |
| Loan and lease loss provision to assets | 0.1361% | 1,583 |
| Net operating income to assets | 1.0824% | 2,164 |
| Return on assets (ROA) | 1.0824% | 2,224 |
| Pretax return on assets | 1.0824% | 3,372 |
| Return on Equity (ROE) | 8.3449% | 2,959 |
| Retained earnings to average equity (ytd only) | 4.1827% | 3,410 |
| Net charge-offs to loans | 0.0503% | 2,423 |
| Credit loss provision to net charge-offs | 327.6596% | 916 |
| Earnings coverage of net charge-offs (x) | 29.3381% | 1,576 |
| Efficiency ratio | 69.2196% | 2,670 |
| Assets per employee ($millions) | 5.5633% | 1,867 |
| Cash dividends to net income (ytd only)* | 49.8779% | 1,776 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1247% | 3,347 |
| Loan loss allowance to noncurrent loans | 3,318.1818% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 5,104 |
| Noncurrent loans to loans | 0.0339% | 4,966 |
| Net loans and leases to total assets | 82.3962% | 616 |
| Net loans and leases to deposits | 97.3876% | 977 |
| Net loans and leases to core deposits | 117.8678% | 660 |
| Total domestic deposits to total assets | 84.6064% | 2,881 |
| Equity capital to assets | 12.9297% | 1,425 |
| Core capital (leverage) ratio | 12.3324% | 1,494 |
| Tier 1 risk-based capital ratio | 13.9685% | 3,459 |
| Total risk-based capital ratio | 15.0692% | 3,455 |
| Memoranda: |
| Average total assets | $150,892,500 | 3,490 |
| Average earning assets | $142,373,500 | 3,447 |
| Average equity | $19,572,250 | 3,214 |
| Average total loans | $124,518,250 | 3,023 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6393% | 1,179 |
| Cost of funding earning assets | 0.6493% | 1,148 |
| Net interest margin | 3.9900% | 1,637 |
| Noninterest income to average assets | 0.4730% | 3,200 |
| Noninterest expense to average assets | 3.0442% | 1,997 |
| Loan and lease loss provision to assets | 0.1594% | 1,249 |
| Net operating income to assets | 1.0076% | 2,386 |
| Return on assets (ROA) | 1.0076% | 2,427 |
| Pretax return on assets | 1.0076% | 3,539 |
| Return on Equity (ROE) | 7.7595% | 3,162 |
| Retained earnings to average equity (ytd only) | 1.5684% | 4,624 |
| Net charge-offs to loans | 0.0570% | 2,118 |
| Credit loss provision to net charge-offs | 340.0000% | 881 |
| Earnings coverage of net charge-offs (x) | 24.8857% | 1,625 |
| Efficiency ratio | 70.1559% | 2,649 |
| Assets per employee ($millions) | 5.7122% | 1,691 |
| Cash dividends to net income (ytd only)* | 79.7872% | 862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1360% | 3,391 |
| Loan loss allowance to noncurrent loans | 2,817.6471% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 5,126 |
| Noncurrent loans to loans | 0.0403% | 4,993 |
| Net loans and leases to total assets | 84.2037% | 423 |
| Net loans and leases to deposits | 99.9720% | 739 |
| Net loans and leases to core deposits | 117.4786% | 663 |
| Total domestic deposits to total assets | 84.2273% | 3,113 |
| Equity capital to assets | 13.1952% | 1,281 |
| Core capital (leverage) ratio | 12.3356% | 1,452 |
| Tier 1 risk-based capital ratio | 13.9530% | 3,448 |
| Total risk-based capital ratio | 15.0696% | 3,444 |
| Memoranda: |
| Average total assets | $149,265,670 | 3,530 |
| Average earning assets | $139,849,000 | 3,499 |
| Average equity | $19,382,670 | 3,233 |
| Average total loans | $122,754,000 | 3,051 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6099% | 1,119 |
| Cost of funding earning assets | 0.6185% | 1,248 |
| Net interest margin | 3.9915% | 1,493 |
| Noninterest income to average assets | 0.3555% | 3,991 |
| Noninterest expense to average assets | 3.0232% | 2,100 |
| Loan and lease loss provision to assets | 0.2138% | 755 |
| Net operating income to assets | 0.8447% | 3,016 |
| Return on assets (ROA) | 0.8447% | 3,060 |
| Pretax return on assets | 0.8447% | 3,956 |
| Return on Equity (ROE) | 6.5575% | 3,632 |
| Retained earnings to average equity (ytd only) | -5.8935% | 5,439 |
| Net charge-offs to loans | 0.0794% | 1,540 |
| Credit loss provision to net charge-offs | 333.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,640 |
| Efficiency ratio | 71.9057% | 2,593 |
| Assets per employee ($millions) | 6.0665% | 1,453 |
| Cash dividends to net income (ytd only)* | 189.8734% | 257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1302% | 3,516 |
| Loan loss allowance to noncurrent loans | 2,516.0714% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 5,154 |
| Noncurrent loans to loans | 0.0449% | 5,014 |
| Net loans and leases to total assets | 84.6595% | 314 |
| Net loans and leases to deposits | 102.9861% | 446 |
| Net loans and leases to core deposits | 125.1765% | 339 |
| Total domestic deposits to total assets | 82.2047% | 4,107 |
| Equity capital to assets | 13.1502% | 1,202 |
| Core capital (leverage) ratio | 12.0485% | 1,595 |
| Tier 1 risk-based capital ratio | 13.9654% | 3,505 |
| Total risk-based capital ratio | 15.0912% | 3,488 |
| Memoranda: |
| Average total assets | $149,640,500 | 3,557 |
| Average earning assets | $139,698,000 | 3,534 |
| Average equity | $19,275,500 | 3,257 |
| Average total loans | $120,884,500 | 3,093 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2816% | 2,205 |
| Cost of funding earning assets | 0.5563% | 1,632 |
| Net interest margin | 3.7252% | 2,595 |
| Noninterest income to average assets | 0.5148% | 3,131 |
| Noninterest expense to average assets | 3.0053% | 2,336 |
| Loan and lease loss provision to assets | 0.0981% | 2,411 |
| Net operating income to assets | 0.9329% | 2,662 |
| Return on assets (ROA) | 0.9329% | 2,772 |
| Pretax return on assets | 0.9329% | 3,719 |
| Return on Equity (ROE) | 7.2244% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.9401% | 1,742 |
| Net charge-offs to loans | 0.0283% | 3,459 |
| Credit loss provision to net charge-offs | 443.7500% | 722 |
| Earnings coverage of net charge-offs (x) | 46.6250% | 1,055 |
| Efficiency ratio | 72.1794% | 2,565 |
| Assets per employee ($millions) | 5.2995% | 2,058 |
| Cash dividends to net income (ytd only)* | 17.7778% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1554% | 3,398 |
| Loan loss allowance to noncurrent loans | 16,912.5000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,413 |
| Noncurrent loans to loans | 0.0068% | 5,279 |
| Net loans and leases to total assets | 75.3140% | 1,631 |
| Net loans and leases to deposits | 87.8608% | 1,945 |
| Net loans and leases to core deposits | 104.7958% | 1,223 |
| Total domestic deposits to total assets | 85.7196% | 2,718 |
| Equity capital to assets | 12.6264% | 1,445 |
| Core capital (leverage) ratio | 12.4485% | 1,355 |
| Tier 1 risk-based capital ratio | 13.7974% | 3,584 |
| Total risk-based capital ratio | 14.8405% | 3,618 |
| Memoranda: |
| Average total assets | $144,711,800 | 3,596 |
| Average earning assets | $136,796,200 | 3,541 |
| Average equity | $18,686,600 | 3,317 |
| Average total loans | $113,251,400 | 3,168 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1956% | 2,531 |
| Cost of funding earning assets | 0.5455% | 1,742 |
| Net interest margin | 3.6501% | 2,889 |
| Noninterest income to average assets | 0.5690% | 2,820 |
| Noninterest expense to average assets | 3.0799% | 2,081 |
| Loan and lease loss provision to assets | 0.0927% | 2,374 |
| Net operating income to assets | 0.8844% | 2,987 |
| Return on assets (ROA) | 0.8844% | 3,115 |
| Pretax return on assets | 0.8844% | 4,034 |
| Return on Equity (ROE) | 6.8081% | 3,660 |
| Retained earnings to average equity (ytd only) | 5.0791% | 2,772 |
| Net charge-offs to loans | 0.0309% | 3,037 |
| Credit loss provision to net charge-offs | 380.7692% | 873 |
| Earnings coverage of net charge-offs (x) | 40.1491% | 1,244 |
| Efficiency ratio | 73.6101% | 2,355 |
| Assets per employee ($millions) | 5.0535% | 2,305 |
| Cash dividends to net income (ytd only)* | 25.3966% | 2,999 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1601% | 3,486 |
| Loan loss allowance to noncurrent loans | 2,193.3333% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 5,304 |
| Noncurrent loans to loans | 0.0529% | 5,145 |
| Net loans and leases to total assets | 79.2373% | 1,003 |
| Net loans and leases to deposits | 93.6260% | 1,303 |
| Net loans and leases to core deposits | 112.1536% | 802 |
| Total domestic deposits to total assets | 84.6317% | 2,973 |
| Equity capital to assets | 13.4220% | 1,283 |
| Core capital (leverage) ratio | 12.1017% | 1,605 |
| Tier 1 risk-based capital ratio | 14.0452% | 3,540 |
| Total risk-based capital ratio | 15.1039% | 3,562 |
| Memoranda: |
| Average total assets | $142,468,250 | 3,642 |
| Average earning assets | $136,138,500 | 3,567 |
| Average equity | $18,507,000 | 3,365 |
| Average total loans | $112,289,250 | 3,192 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1485% | 2,680 |
| Cost of funding earning assets | 0.5272% | 1,887 |
| Net interest margin | 3.6213% | 3,013 |
| Noninterest income to average assets | 0.6065% | 2,588 |
| Noninterest expense to average assets | 3.0828% | 2,106 |
| Loan and lease loss provision to assets | 0.0854% | 2,439 |
| Net operating income to assets | 0.8922% | 2,898 |
| Return on assets (ROA) | 0.8922% | 3,022 |
| Pretax return on assets | 0.8922% | 3,980 |
| Return on Equity (ROE) | 6.9445% | 3,578 |
| Retained earnings to average equity (ytd only) | 4.3281% | 3,164 |
| Net charge-offs to loans | 0.0071% | 3,441 |
| Credit loss provision to net charge-offs | 1,525.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 174.5000% | 369 |
| Efficiency ratio | 73.6116% | 2,418 |
| Assets per employee ($millions) | 4.8506% | 2,480 |
| Cash dividends to net income (ytd only)* | 37.6766% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1606% | 3,580 |
| Loan loss allowance to noncurrent loans | 1,181.8182% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 5,234 |
| Noncurrent loans to loans | 0.0982% | 5,061 |
| Net loans and leases to total assets | 76.0792% | 1,483 |
| Net loans and leases to deposits | 89.1693% | 1,843 |
| Net loans and leases to core deposits | 107.1049% | 1,094 |
| Total domestic deposits to total assets | 85.3200% | 2,726 |
| Equity capital to assets | 12.7874% | 1,615 |
| Core capital (leverage) ratio | 11.8133% | 1,756 |
| Tier 1 risk-based capital ratio | 13.8853% | 3,672 |
| Total risk-based capital ratio | 14.9434% | 3,701 |
| Memoranda: |
| Average total assets | $142,791,330 | 3,658 |
| Average earning assets | $136,195,000 | 3,592 |
| Average equity | $18,345,330 | 3,391 |
| Average total loans | $111,907,000 | 3,208 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1339% | 2,711 |
| Cost of funding earning assets | 0.5057% | 2,061 |
| Net interest margin | 3.6283% | 2,978 |
| Noninterest income to average assets | 0.7042% | 2,023 |
| Noninterest expense to average assets | 3.1422% | 1,978 |
| Loan and lease loss provision to assets | 0.1358% | 1,544 |
| Net operating income to assets | 0.8966% | 2,771 |
| Return on assets (ROA) | 0.8966% | 2,897 |
| Pretax return on assets | 0.8966% | 3,851 |
| Return on Equity (ROE) | 6.9617% | 3,477 |
| Retained earnings to average equity (ytd only) | 1.6910% | 4,596 |
| Net charge-offs to loans | 0.0215% | 2,502 |
| Credit loss provision to net charge-offs | 800.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 60.8333% | 770 |
| Efficiency ratio | 73.0352% | 2,635 |
| Assets per employee ($millions) | 4.9986% | 2,343 |
| Cash dividends to net income (ytd only)* | 75.7098% | 1,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1401% | 3,834 |
| Loan loss allowance to noncurrent loans | 7,138.8889% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,611 |
| Noncurrent loans to loans | 0.0160% | 5,451 |
| Net loans and leases to total assets | 76.8652% | 1,271 |
| Net loans and leases to deposits | 89.1448% | 1,684 |
| Net loans and leases to core deposits | 109.3626% | 886 |
| Total domestic deposits to total assets | 86.2251% | 2,581 |
| Equity capital to assets | 12.5980% | 1,621 |
| Core capital (leverage) ratio | 12.1413% | 1,529 |
| Tier 1 risk-based capital ratio | 14.0560% | 3,653 |
| Total risk-based capital ratio | 15.1379% | 3,698 |
| Memoranda: |
| Average total assets | $141,428,000 | 3,714 |
| Average earning assets | $135,271,000 | 3,630 |
| Average equity | $18,214,000 | 3,411 |
| Average total loans | $111,856,000 | 3,213 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9917% | 3,342 |
| Cost of funding earning assets | 0.4661% | 2,473 |
| Net interest margin | 3.5256% | 3,428 |
| Noninterest income to average assets | 0.4521% | 3,650 |
| Noninterest expense to average assets | 3.3462% | 1,619 |
| Loan and lease loss provision to assets | 0.1349% | 1,772 |
| Net operating income to assets | 0.3393% | 5,242 |
| Return on assets (ROA) | 0.3393% | 5,332 |
| Pretax return on assets | 0.3393% | 5,440 |
| Return on Equity (ROE) | 2.2543% | 5,509 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,503 |
| Net charge-offs to loans | 0.0021% | 4,407 |
| Credit loss provision to net charge-offs | 7,950.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 279.5000% | 259 |
| Efficiency ratio | 85.6128% | 1,027 |
| Assets per employee ($millions) | 4.5966% | 2,882 |
| Cash dividends to net income (ytd only)* | 100.0000% | 388 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1198% | 3,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.5964% | 902 |
| Net loans and leases to deposits | 92.9839% | 1,307 |
| Net loans and leases to core deposits | 106.7195% | 1,066 |
| Total domestic deposits to total assets | 85.6023% | 2,819 |
| Equity capital to assets | 13.1736% | 1,270 |
| Core capital (leverage) ratio | 12.9126% | 1,179 |
| Tier 1 risk-based capital ratio | 14.1410% | 3,644 |
| Total risk-based capital ratio | 15.1879% | 3,679 |
| Memoranda: |
| Average total assets | $117,895,800 | 4,098 |
| Average earning assets | $112,632,600 | 4,022 |
| Average equity | $17,744,000 | 3,416 |
| Average total loans | $97,155,000 | 3,434 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9787% | 3,418 |
| Cost of funding earning assets | 0.4507% | 2,676 |
| Net interest margin | 3.5279% | 3,433 |
| Noninterest income to average assets | 0.4039% | 4,059 |
| Noninterest expense to average assets | 3.3576% | 1,565 |
| Loan and lease loss provision to assets | 0.1323% | 1,693 |
| Net operating income to assets | 0.2882% | 5,488 |
| Return on assets (ROA) | 0.2882% | 5,562 |
| Pretax return on assets | 0.2882% | 5,659 |
| Return on Equity (ROE) | 1.8444% | 5,697 |
| Retained earnings to average equity (ytd only) | -1.1792% | 5,777 |
| Net charge-offs to loans | 0.0071% | 3,921 |
| Credit loss provision to net charge-offs | 2,240.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 71.1619% | 805 |
| Efficiency ratio | 87.7462% | 862 |
| Assets per employee ($millions) | 4.2804% | 3,357 |
| Cash dividends to net income (ytd only)* | 163.9320% | 106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1731% | 3,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 83.2961% | 443 |
| Net loans and leases to deposits | 101.7884% | 559 |
| Net loans and leases to core deposits | 121.4708% | 433 |
| Total domestic deposits to total assets | 81.8326% | 4,216 |
| Equity capital to assets | 15.0269% | 731 |
| Core capital (leverage) ratio | 14.1416% | 827 |
| Tier 1 risk-based capital ratio | 16.2714% | 2,684 |
| Total risk-based capital ratio | 17.4321% | 2,676 |
| Memoranda: |
| Average total assets | $112,895,500 | 4,249 |
| Average earning assets | $107,973,250 | 4,145 |
| Average equity | $17,638,500 | 3,460 |
| Average total loans | $93,692,750 | 3,539 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7916% | 4,096 |
| Cost of funding earning assets | 0.4307% | 2,928 |
| Net interest margin | 3.3609% | 4,053 |
| Noninterest income to average assets | 0.3201% | 4,667 |
| Noninterest expense to average assets | 3.0296% | 2,465 |
| Loan and lease loss provision to assets | 0.1085% | 2,018 |
| Net operating income to assets | 0.3997% | 5,137 |
| Return on assets (ROA) | 0.3997% | 5,243 |
| Pretax return on assets | 0.3997% | 5,468 |
| Return on Equity (ROE) | 2.5236% | 5,551 |
| Retained earnings to average equity (ytd only) | -2.0440% | 5,834 |
| Net charge-offs to loans | 0.0110% | 3,525 |
| Credit loss provision to net charge-offs | 1,200.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 56.2000% | 879 |
| Efficiency ratio | 85.6339% | 1,092 |
| Assets per employee ($millions) | 4.4835% | 3,013 |
| Cash dividends to net income (ytd only)* | 180.9955% | 126 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1572% | 4,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.0174% | 472 |
| Net loans and leases to deposits | 103.7357% | 465 |
| Net loans and leases to core deposits | 116.7413% | 570 |
| Total domestic deposits to total assets | 80.0278% | 4,863 |
| Equity capital to assets | 15.4162% | 624 |
| Core capital (leverage) ratio | 14.1617% | 797 |
| Tier 1 risk-based capital ratio | 16.9553% | 2,423 |
| Total risk-based capital ratio | 18.1656% | 2,392 |
| Memoranda: |
| Average total assets | $110,576,670 | 4,332 |
| Average earning assets | $105,864,670 | 4,221 |
| Average equity | $17,514,670 | 3,494 |
| Average total loans | $91,251,330 | 3,609 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6886% | 4,411 |
| Cost of funding earning assets | 0.4206% | 3,069 |
| Net interest margin | 3.2680% | 4,353 |
| Noninterest income to average assets | 0.1896% | 5,569 |
| Noninterest expense to average assets | 2.4800% | 4,324 |
| Loan and lease loss provision to assets | 0.0446% | 3,030 |
| Net operating income to assets | 0.8143% | 3,190 |
| Return on assets (ROA) | 0.8143% | 3,315 |
| Pretax return on assets | 0.8143% | 4,184 |
| Return on Equity (ROE) | 5.0675% | 4,500 |
| Retained earnings to average equity (ytd only) | -4.1882% | 5,874 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2762% | 2,774 |
| Assets per employee ($millions) | 7.6812% | 620 |
| Cash dividends to net income (ytd only)* | 182.6484% | 265 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2119% | 3,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.6237% | 405 |
| Net loans and leases to deposits | 102.5579% | 431 |
| Net loans and leases to core deposits | 111.8030% | 666 |
| Total domestic deposits to total assets | 80.5630% | 4,923 |
| Equity capital to assets | 16.0047% | 545 |
| Core capital (leverage) ratio | 15.8794% | 478 |
| Tier 1 risk-based capital ratio | 19.9291% | 1,640 |
| Total risk-based capital ratio | 21.1785% | 1,604 |
| Memoranda: |
| Average total assets | $107,579,000 | 4,423 |
| Average earning assets | $103,670,500 | 4,312 |
| Average equity | $17,286,500 | 3,550 |
| Average total loans | $87,923,000 | 3,704 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8663% | 4,262 |
| Cost of funding earning assets | 0.4077% | 3,606 |
| Net interest margin | 3.4585% | 3,946 |
| Noninterest income to average assets | 0.2025% | 5,649 |
| Noninterest expense to average assets | 2.5692% | 4,328 |
| Loan and lease loss provision to assets | 0.0199% | 4,218 |
| Net operating income to assets | 0.9295% | 2,731 |
| Return on assets (ROA) | 0.9295% | 2,820 |
| Pretax return on assets | 0.9295% | 3,784 |
| Return on Equity (ROE) | 5.5335% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.6989% | 3,578 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0159% | 3,028 |
| Assets per employee ($millions) | 7.6872% | 605 |
| Cash dividends to net income (ytd only)* | 33.1545% | 3,222 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2549% | 3,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 78.8201% | 904 |
| Net loans and leases to deposits | 95.7307% | 923 |
| Net loans and leases to core deposits | 105.0814% | 1,070 |
| Total domestic deposits to total assets | 82.3352% | 4,299 |
| Equity capital to assets | 16.1325% | 520 |
| Core capital (leverage) ratio | 16.0402% | 465 |
| Tier 1 risk-based capital ratio | 20.2465% | 1,550 |
| Total risk-based capital ratio | 21.4964% | 1,519 |
| Memoranda: |
| Average total assets | $100,264,600 | 4,590 |
| Average earning assets | $96,139,400 | 4,503 |
| Average equity | $16,843,000 | 3,548 |
| Average total loans | $81,000,000 | 3,850 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8830% | 4,229 |
| Cost of funding earning assets | 0.4033% | 3,757 |
| Net interest margin | 3.4797% | 3,902 |
| Noninterest income to average assets | 0.2059% | 5,697 |
| Noninterest expense to average assets | 2.6971% | 3,836 |
| Loan and lease loss provision to assets | 0.0203% | 3,998 |
| Net operating income to assets | 0.8196% | 3,344 |
| Return on assets (ROA) | 0.8196% | 3,435 |
| Pretax return on assets | 0.8196% | 4,288 |
| Return on Equity (ROE) | 4.8264% | 4,805 |
| Retained earnings to average equity (ytd only) | 2.3614% | 4,874 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2543% | 2,452 |
| Assets per employee ($millions) | 7.4019% | 666 |
| Cash dividends to net income (ytd only)* | 51.0742% | 1,795 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2415% | 4,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 82.3693% | 476 |
| Net loans and leases to deposits | 100.5407% | 586 |
| Net loans and leases to core deposits | 111.1870% | 701 |
| Total domestic deposits to total assets | 81.9264% | 4,503 |
| Equity capital to assets | 16.4119% | 505 |
| Core capital (leverage) ratio | 16.4087% | 427 |
| Tier 1 risk-based capital ratio | 19.3389% | 1,814 |
| Total risk-based capital ratio | 20.5590% | 1,796 |
| Memoranda: |
| Average total assets | $98,425,500 | 4,684 |
| Average earning assets | $94,220,500 | 4,597 |
| Average equity | $16,713,250 | 3,589 |
| Average total loans | $79,773,750 | 3,913 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8243% | 4,431 |
| Cost of funding earning assets | 0.3961% | 3,903 |
| Net interest margin | 3.4283% | 4,066 |
| Noninterest income to average assets | 0.1944% | 5,801 |
| Noninterest expense to average assets | 2.7758% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6950% | 3,869 |
| Return on assets (ROA) | 0.6950% | 3,957 |
| Pretax return on assets | 0.6950% | 4,658 |
| Return on Equity (ROE) | 4.0445% | 5,126 |
| Retained earnings to average equity (ytd only) | 0.3250% | 5,597 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9762% | 2,029 |
| Assets per employee ($millions) | 7.3395% | 684 |
| Cash dividends to net income (ytd only)* | 91.9643% | 652 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2707% | 4,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 80.0006% | 688 |
| Net loans and leases to deposits | 97.5252% | 697 |
| Net loans and leases to core deposits | 107.9233% | 771 |
| Total domestic deposits to total assets | 82.0307% | 4,635 |
| Equity capital to assets | 16.2613% | 505 |
| Core capital (leverage) ratio | 16.3498% | 428 |
| Tier 1 risk-based capital ratio | 19.6094% | 1,781 |
| Total risk-based capital ratio | 20.8511% | 1,756 |
| Memoranda: |
| Average total assets | $96,692,000 | 4,759 |
| Average earning assets | $92,408,330 | 4,669 |
| Average equity | $16,615,330 | 3,596 |
| Average total loans | $77,555,330 | 3,985 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8929% | 4,110 |
| Cost of funding earning assets | 0.3754% | 4,247 |
| Net interest margin | 3.5175% | 3,614 |
| Noninterest income to average assets | 0.1922% | 5,809 |
| Noninterest expense to average assets | 2.9553% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5979% | 4,211 |
| Return on assets (ROA) | 0.5979% | 4,289 |
| Pretax return on assets | 0.5979% | 4,839 |
| Return on Equity (ROE) | 3.3799% | 5,325 |
| Retained earnings to average equity (ytd only) | -4.0800% | 6,068 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1731% | 1,774 |
| Assets per employee ($millions) | 7.7054% | 565 |
| Cash dividends to net income (ytd only)* | 220.7143% | 205 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3475% | 3,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 77.3285% | 841 |
| Net loans and leases to deposits | 94.5314% | 743 |
| Net loans and leases to core deposits | 100.3823% | 1,077 |
| Total domestic deposits to total assets | 81.8019% | 4,996 |
| Equity capital to assets | 16.4640% | 463 |
| Core capital (leverage) ratio | 17.9427% | 308 |
| Tier 1 risk-based capital ratio | 20.5508% | 1,570 |
| Total risk-based capital ratio | 21.7433% | 1,559 |
| Memoranda: |
| Average total assets | $93,661,500 | 4,880 |
| Average earning assets | $89,495,500 | 4,786 |
| Average equity | $16,568,500 | 3,608 |
| Average total loans | $74,702,500 | 4,112 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9191% | 4,391 |
| Cost of funding earning assets | 0.3731% | 4,913 |
| Net interest margin | 3.5460% | 3,703 |
| Noninterest income to average assets | 0.1963% | 5,911 |
| Noninterest expense to average assets | 2.5598% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0641% | 2,059 |
| Return on assets (ROA) | 1.0641% | 2,145 |
| Pretax return on assets | 1.0641% | 3,092 |
| Return on Equity (ROE) | 5.4975% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.5166% | 4,462 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6362% | 3,737 |
| Assets per employee ($millions) | 6.2252% | 1,122 |
| Cash dividends to net income (ytd only)* | 54.2222% | 2,065 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4925% | 3,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 80.1223% | 582 |
| Net loans and leases to deposits | 101.5296% | 415 |
| Net loans and leases to core deposits | 107.8357% | 704 |
| Total domestic deposits to total assets | 78.9152% | 5,668 |
| Equity capital to assets | 19.0986% | 256 |
| Core capital (leverage) ratio | 19.6237% | 217 |
| Tier 1 risk-based capital ratio | 23.8044% | 975 |
| Total risk-based capital ratio | 25.0572% | 963 |
| Memoranda: |
| Average total assets | $84,575,400 | 5,126 |
| Average earning assets | $81,753,600 | 4,994 |
| Average equity | $16,371,200 | 3,644 |
| Average total loans | $67,122,600 | 4,371 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8647% | 4,625 |
| Cost of funding earning assets | 0.3770% | 5,030 |
| Net interest margin | 3.4877% | 3,932 |
| Noninterest income to average assets | 0.1986% | 5,990 |
| Noninterest expense to average assets | 2.4877% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0913% | 2,036 |
| Return on assets (ROA) | 1.0913% | 2,115 |
| Pretax return on assets | 1.0913% | 3,148 |
| Return on Equity (ROE) | 5.6186% | 4,399 |
| Retained earnings to average equity (ytd only) | 1.6275% | 5,325 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5073% | 3,835 |
| Assets per employee ($millions) | 6.9565% | 768 |
| Cash dividends to net income (ytd only)* | 71.0332% | 1,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5693% | 3,148 |
| Loan loss allowance to noncurrent loans | 423.2000% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 5,530 |
| Noncurrent loans to loans | 0.3708% | 5,288 |
| Net loans and leases to total assets | 79.4952% | 604 |
| Net loans and leases to deposits | 101.6746% | 401 |
| Net loans and leases to core deposits | 108.7867% | 630 |
| Total domestic deposits to total assets | 78.1859% | 5,875 |
| Equity capital to assets | 19.6639% | 227 |
| Core capital (leverage) ratio | 19.4809% | 216 |
| Tier 1 risk-based capital ratio | 24.9014% | 883 |
| Total risk-based capital ratio | 26.1559% | 872 |
| Memoranda: |
| Average total assets | $83,931,000 | 5,190 |
| Average earning assets | $81,349,750 | 5,042 |
| Average equity | $16,302,750 | 3,697 |
| Average total loans | $66,181,500 | 4,442 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8645% | 4,607 |
| Cost of funding earning assets | 0.3789% | 5,150 |
| Net interest margin | 3.4856% | 3,835 |
| Noninterest income to average assets | 0.1927% | 6,056 |
| Noninterest expense to average assets | 2.4214% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1632% | 1,689 |
| Return on assets (ROA) | 1.1632% | 1,802 |
| Pretax return on assets | 1.1632% | 2,829 |
| Return on Equity (ROE) | 6.0128% | 4,166 |
| Retained earnings to average equity (ytd only) | 0.0123% | 5,843 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5514% | 4,252 |
| Assets per employee ($millions) | 7.8957% | 478 |
| Cash dividends to net income (ytd only)* | 99.7955% | 525 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6040% | 3,145 |
| Loan loss allowance to noncurrent loans | 388.9706% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 5,537 |
| Noncurrent loans to loans | 0.4124% | 5,225 |
| Net loans and leases to total assets | 74.7274% | 1,140 |
| Net loans and leases to deposits | 94.1551% | 799 |
| Net loans and leases to core deposits | 101.1833% | 992 |
| Total domestic deposits to total assets | 79.3663% | 5,742 |
| Equity capital to assets | 18.6534% | 276 |
| Core capital (leverage) ratio | 18.8592% | 241 |
| Tier 1 risk-based capital ratio | 25.0460% | 869 |
| Total risk-based capital ratio | 26.3013% | 856 |
| Memoranda: |
| Average total assets | $84,082,000 | 5,219 |
| Average earning assets | $81,822,670 | 5,056 |
| Average equity | $16,265,330 | 3,729 |
| Average total loans | $65,769,000 | 4,475 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9070% | 4,446 |
| Cost of funding earning assets | 0.3768% | 5,312 |
| Net interest margin | 3.5302% | 3,572 |
| Noninterest income to average assets | 0.1886% | 6,123 |
| Noninterest expense to average assets | 2.4475% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1851% | 1,570 |
| Return on assets (ROA) | 1.1851% | 1,682 |
| Pretax return on assets | 1.1851% | 2,632 |
| Return on Equity (ROE) | 6.0132% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.0132% | 2,672 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3768% | 4,433 |
| Assets per employee ($millions) | 8.0997% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6101% | 3,363 |
| Loan loss allowance to noncurrent loans | 358.6441% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 5,496 |
| Noncurrent loans to loans | 0.4489% | 5,298 |
| Net loans and leases to total assets | 79.8202% | 441 |
| Net loans and leases to deposits | 102.8655% | 255 |
| Net loans and leases to core deposits | 111.0420% | 464 |
| Total domestic deposits to total assets | 77.5967% | 6,172 |
| Equity capital to assets | 20.2822% | 206 |
| Core capital (leverage) ratio | 20.9154% | 160 |
| Tier 1 risk-based capital ratio | 25.8014% | 808 |
| Total risk-based capital ratio | 27.0563% | 796 |
| Memoranda: |
| Average total assets | $82,696,500 | 5,306 |
| Average earning assets | $80,675,000 | 5,133 |
| Average equity | $16,297,500 | 3,775 |
| Average total loans | $65,673,000 | 4,503 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2416% | 4,432 |
| Cost of funding earning assets | 0.4319% | 5,708 |
| Net interest margin | 3.8097% | 3,186 |
| Noninterest income to average assets | 0.1754% | 6,147 |
| Noninterest expense to average assets | 2.4436% | 5,278 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4579% | 991 |
| Return on assets (ROA) | 1.4579% | 1,106 |
| Pretax return on assets | 1.4579% | 1,828 |
| Return on Equity (ROE) | 7.2383% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.6391% | 2,955 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6312% | 5,144 |
| Assets per employee ($millions) | 7.6724% | 580 |
| Cash dividends to net income (ytd only)* | 35.9087% | 3,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6119% | 3,255 |
| Loan loss allowance to noncurrent loans | 333.7539% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 5,570 |
| Noncurrent loans to loans | 0.4830% | 5,317 |
| Net loans and leases to total assets | 76.5178% | 851 |
| Net loans and leases to deposits | 97.1361% | 553 |
| Net loans and leases to core deposits | 104.3955% | 768 |
| Total domestic deposits to total assets | 78.7739% | 5,939 |
| Equity capital to assets | 19.1561% | 256 |
| Core capital (leverage) ratio | 21.2026% | 155 |
| Tier 1 risk-based capital ratio | 25.1103% | 842 |
| Total risk-based capital ratio | 26.3652% | 828 |
| Memoranda: |
| Average total assets | $78,123,800 | 5,406 |
| Average earning assets | $76,410,000 | 5,226 |
| Average equity | $15,735,800 | 3,821 |
| Average total loans | $61,800,000 | 4,644 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3588% | 4,214 |
| Cost of funding earning assets | 0.4528% | 5,770 |
| Net interest margin | 3.9060% | 2,895 |
| Noninterest income to average assets | 0.2003% | 6,095 |
| Noninterest expense to average assets | 2.5480% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4682% | 1,077 |
| Return on assets (ROA) | 1.4682% | 1,205 |
| Pretax return on assets | 1.4682% | 2,012 |
| Return on Equity (ROE) | 7.1920% | 3,703 |
| Retained earnings to average equity (ytd only) | 3.7026% | 4,282 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4432% | 4,897 |
| Assets per employee ($millions) | 6.2781% | 1,080 |
| Cash dividends to net income (ytd only)* | 48.5173% | 1,751 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7210% | 3,075 |
| Loan loss allowance to noncurrent loans | 295.5307% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 5,482 |
| Noncurrent loans to loans | 0.5824% | 5,274 |
| Net loans and leases to total assets | 80.1957% | 493 |
| Net loans and leases to deposits | 104.8106% | 264 |
| Net loans and leases to core deposits | 110.2963% | 558 |
| Total domestic deposits to total assets | 76.5149% | 6,312 |
| Equity capital to assets | 21.0454% | 203 |
| Core capital (leverage) ratio | 20.6416% | 185 |
| Tier 1 risk-based capital ratio | 26.7586% | 758 |
| Total risk-based capital ratio | 28.0159% | 744 |
| Memoranda: |
| Average total assets | $76,555,750 | 5,500 |
| Average earning assets | $74,789,750 | 5,333 |
| Average equity | $15,628,000 | 3,879 |
| Average total loans | $60,841,000 | 4,731 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3654% | 4,324 |
| Cost of funding earning assets | 0.4632% | 5,882 |
| Net interest margin | 3.9022% | 2,896 |
| Noninterest income to average assets | 0.1845% | 6,244 |
| Noninterest expense to average assets | 2.4999% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4942% | 1,003 |
| Return on assets (ROA) | 1.4942% | 1,121 |
| Pretax return on assets | 1.4942% | 1,865 |
| Return on Equity (ROE) | 7.3944% | 3,569 |
| Retained earnings to average equity (ytd only) | 2.1347% | 5,124 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5895% | 5,148 |
| Assets per employee ($millions) | 6.8398% | 795 |
| Cash dividends to net income (ytd only)* | 71.1304% | 1,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7443% | 3,050 |
| Loan loss allowance to noncurrent loans | 280.6366% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 5,506 |
| Noncurrent loans to loans | 0.6215% | 5,267 |
| Net loans and leases to total assets | 79.2113% | 593 |
| Net loans and leases to deposits | 100.2658% | 409 |
| Net loans and leases to core deposits | 108.6981% | 632 |
| Total domestic deposits to total assets | 79.0013% | 5,959 |
| Equity capital to assets | 20.6943% | 212 |
| Core capital (leverage) ratio | 20.2292% | 195 |
| Tier 1 risk-based capital ratio | 27.0505% | 726 |
| Total risk-based capital ratio | 28.3083% | 709 |
| Memoranda: |
| Average total assets | $76,962,000 | 5,523 |
| Average earning assets | $75,137,000 | 5,353 |
| Average equity | $15,552,330 | 3,874 |
| Average total loans | $60,629,670 | 4,761 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3350% | 4,590 |
| Cost of funding earning assets | 0.4846% | 5,907 |
| Net interest margin | 3.8504% | 3,138 |
| Noninterest income to average assets | 0.1799% | 6,299 |
| Noninterest expense to average assets | 2.4414% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4957% | 1,029 |
| Return on assets (ROA) | 1.4957% | 1,150 |
| Pretax return on assets | 1.4957% | 1,880 |
| Return on Equity (ROE) | 7.4887% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.4887% | 2,176 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0104% | 5,271 |
| Assets per employee ($millions) | 8.0921% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7356% | 3,210 |
| Loan loss allowance to noncurrent loans | 276.9634% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 5,680 |
| Noncurrent loans to loans | 0.6267% | 5,392 |
| Net loans and leases to total assets | 74.0216% | 1,060 |
| Net loans and leases to deposits | 92.0942% | 791 |
| Net loans and leases to core deposits | 99.5231% | 1,016 |
| Total domestic deposits to total assets | 80.3759% | 5,758 |
| Equity capital to assets | 19.3893% | 253 |
| Core capital (leverage) ratio | 20.3062% | 187 |
| Tier 1 risk-based capital ratio | 26.3529% | 778 |
| Total risk-based capital ratio | 27.6093% | 762 |
| Memoranda: |
| Average total assets | $77,824,000 | 5,538 |
| Average earning assets | $75,939,500 | 5,367 |
| Average equity | $15,543,500 | 3,880 |
| Average total loans | $60,617,000 | 4,789 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8002% | 3,811 |
| Cost of funding earning assets | 0.6706% | 5,705 |
| Net interest margin | 4.1297% | 2,310 |
| Noninterest income to average assets | 0.1625% | 6,326 |
| Noninterest expense to average assets | 2.4742% | 5,557 |
| Loan and lease loss provision to assets | 0.2745% | 3,475 |
| Net operating income to assets | 1.4509% | 927 |
| Return on assets (ROA) | 1.4509% | 1,006 |
| Pretax return on assets | 1.4509% | 1,624 |
| Return on Equity (ROE) | 7.3668% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.3668% | 1,333 |
| Net charge-offs to loans | -0.1467% | 7,182 |
| Credit loss provision to net charge-offs | -236.7816% | 6,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9150% | 5,912 |
| Assets per employee ($millions) | 6.7934% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7552% | 3,002 |
| Loan loss allowance to noncurrent loans | 272.6804% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 5,665 |
| Noncurrent loans to loans | 0.6437% | 5,419 |
| Net loans and leases to total assets | 79.2471% | 570 |
| Net loans and leases to deposits | 100.2709% | 443 |
| Net loans and leases to core deposits | 108.2951% | 686 |
| Total domestic deposits to total assets | 79.0330% | 5,992 |
| Equity capital to assets | 20.6043% | 202 |
| Core capital (leverage) ratio | 20.7756% | 172 |
| Tier 1 risk-based capital ratio | 26.6338% | 731 |
| Total risk-based capital ratio | 27.8914% | 715 |
| Memoranda: |
| Average total assets | $75,055,600 | 5,604 |
| Average earning assets | $73,371,800 | 5,423 |
| Average equity | $14,782,600 | 3,953 |
| Average total loans | $59,284,600 | 4,890 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7986% | 4,024 |
| Cost of funding earning assets | 0.7080% | 5,706 |
| Net interest margin | 4.0906% | 2,513 |
| Noninterest income to average assets | 0.1668% | 6,396 |
| Noninterest expense to average assets | 2.4931% | 5,484 |
| Loan and lease loss provision to assets | 0.3655% | 2,666 |
| Net operating income to assets | 1.3167% | 1,335 |
| Return on assets (ROA) | 1.3167% | 1,423 |
| Pretax return on assets | 1.3167% | 2,236 |
| Return on Equity (ROE) | 6.7627% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.7627% | 2,104 |
| Net charge-offs to loans | -0.1965% | 7,260 |
| Credit loss provision to net charge-offs | -236.7816% | 6,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7110% | 5,767 |
| Assets per employee ($millions) | 6.8470% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7639% | 3,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 78.2347% | 688 |
| Net loans and leases to deposits | 98.3805% | 555 |
| Net loans and leases to core deposits | 104.8451% | 926 |
| Total domestic deposits to total assets | 79.5226% | 5,861 |
| Equity capital to assets | 19.9477% | 245 |
| Core capital (leverage) ratio | 19.9350% | 224 |
| Tier 1 risk-based capital ratio | 26.0892% | 828 |
| Total risk-based capital ratio | 27.3464% | 806 |
| Memoranda: |
| Average total assets | $75,137,750 | 5,641 |
| Average earning assets | $73,630,250 | 5,458 |
| Average equity | $14,629,000 | 3,993 |
| Average total loans | $59,036,500 | 4,940 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8203% | 4,005 |
| Cost of funding earning assets | 0.7454% | 5,700 |
| Net interest margin | 4.0750% | 2,512 |
| Noninterest income to average assets | 0.1811% | 6,361 |
| Noninterest expense to average assets | 2.4907% | 5,579 |
| Loan and lease loss provision to assets | 0.5168% | 1,896 |
| Net operating income to assets | 1.1641% | 1,683 |
| Return on assets (ROA) | 1.1641% | 1,759 |
| Pretax return on assets | 1.1641% | 2,626 |
| Return on Equity (ROE) | 6.0287% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.0287% | 2,412 |
| Net charge-offs to loans | -0.2554% | 7,326 |
| Credit loss provision to net charge-offs | -258.6667% | 6,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7063% | 5,917 |
| Assets per employee ($millions) | 8.5472% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7234% | 3,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 76.6500% | 973 |
| Net loans and leases to deposits | 95.3338% | 776 |
| Net loans and leases to core deposits | 102.2793% | 1,161 |
| Total domestic deposits to total assets | 80.4017% | 5,710 |
| Equity capital to assets | 19.1342% | 311 |
| Core capital (leverage) ratio | 18.6906% | 289 |
| Tier 1 risk-based capital ratio | 25.2427% | 882 |
| Total risk-based capital ratio | 26.4860% | 867 |
| Memoranda: |
| Average total assets | $75,078,000 | 5,687 |
| Average earning assets | $73,522,000 | 5,507 |
| Average equity | $14,497,330 | 4,010 |
| Average total loans | $58,721,330 | 5,021 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7438% | 4,317 |
| Cost of funding earning assets | 0.7705% | 5,747 |
| Net interest margin | 3.9734% | 2,811 |
| Noninterest income to average assets | 0.1780% | 6,449 |
| Noninterest expense to average assets | 2.4328% | 5,785 |
| Loan and lease loss provision to assets | 0.5124% | 1,698 |
| Net operating income to assets | 1.1274% | 1,746 |
| Return on assets (ROA) | 1.1274% | 1,791 |
| Pretax return on assets | 1.1274% | 2,658 |
| Return on Equity (ROE) | 5.8110% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.8110% | 2,749 |
| Net charge-offs to loans | -0.0964% | 7,076 |
| Credit loss provision to net charge-offs | -678.5714% | 6,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7351% | 6,021 |
| Assets per employee ($millions) | 8.5688% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5015% | 4,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 74.3461% | 1,294 |
| Net loans and leases to deposits | 92.0335% | 1,019 |
| Net loans and leases to core deposits | 99.1989% | 1,408 |
| Total domestic deposits to total assets | 80.7816% | 5,726 |
| Equity capital to assets | 18.7904% | 318 |
| Core capital (leverage) ratio | 19.0053% | 273 |
| Tier 1 risk-based capital ratio | 25.1580% | 862 |
| Total risk-based capital ratio | 26.4097% | 846 |
| Memoranda: |
| Average total assets | $74,154,500 | 5,753 |
| Average earning assets | $72,684,000 | 5,583 |
| Average equity | $14,386,500 | 4,026 |
| Average total loans | $58,083,500 | 5,085 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8715% | 5,151 |
| Cost of funding earning assets | 0.9167% | 6,098 |
| Net interest margin | 3.9548% | 3,244 |
| Noninterest income to average assets | 0.2165% | 6,262 |
| Noninterest expense to average assets | 2.6436% | 5,247 |
| Loan and lease loss provision to assets | 1.1298% | 1,413 |
| Net operating income to assets | 0.3128% | 4,894 |
| Return on assets (ROA) | 0.3128% | 5,063 |
| Pretax return on assets | 0.3128% | 5,195 |
| Return on Equity (ROE) | 1.4799% | 5,566 |
| Retained earnings to average equity (ytd only) | 1.4799% | 4,792 |
| Net charge-offs to loans | 1.3217% | 1,688 |
| Credit loss provision to net charge-offs | 105.1034% | 4,266 |
| Earnings coverage of net charge-offs (x) | 1.3421% | 4,761 |
| Efficiency ratio | 64.6952% | 5,225 |
| Assets per employee ($millions) | 8.8988% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3199% | 4,900 |
| Loan loss allowance to noncurrent loans | 765.0000% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 6,882 |
| Noncurrent loans to loans | 0.1725% | 6,719 |
| Net loans and leases to total assets | 80.3385% | 623 |
| Net loans and leases to deposits | 101.0459% | 523 |
| Net loans and leases to core deposits | 109.7333% | 932 |
| Total domestic deposits to total assets | 79.5070% | 5,965 |
| Equity capital to assets | 20.0618% | 258 |
| Core capital (leverage) ratio | 19.5347% | 257 |
| Tier 1 risk-based capital ratio | 25.2962% | 820 |
| Total risk-based capital ratio | 26.5449% | 801 |
| Memoranda: |
| Average total assets | $67,446,000 | 5,950 |
| Average earning assets | $65,996,000 | 5,798 |
| Average equity | $14,258,000 | 4,085 |
| Average total loans | $54,853,200 | 5,277 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8618% | 5,430 |
| Cost of funding earning assets | 0.9367% | 6,239 |
| Net interest margin | 3.9251% | 3,427 |
| Noninterest income to average assets | 0.2245% | 6,297 |
| Noninterest expense to average assets | 2.7444% | 4,702 |
| Loan and lease loss provision to assets | 0.4270% | 3,348 |
| Net operating income to assets | 0.8921% | 2,640 |
| Return on assets (ROA) | 0.8921% | 2,788 |
| Pretax return on assets | 0.8921% | 3,583 |
| Return on Equity (ROE) | 4.1631% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.1631% | 3,546 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5382% | 4,554 |
| Assets per employee ($millions) | 7.1318% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6307% | 3,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 79.5914% | 807 |
| Net loans and leases to deposits | 100.5848% | 616 |
| Net loans and leases to core deposits | 109.7421% | 1,050 |
| Total domestic deposits to total assets | 79.1287% | 5,991 |
| Equity capital to assets | 20.3539% | 268 |
| Core capital (leverage) ratio | 21.0805% | 204 |
| Tier 1 risk-based capital ratio | 25.9122% | 779 |
| Total risk-based capital ratio | 27.1671% | 765 |
| Memoranda: |
| Average total assets | $66,510,000 | 6,049 |
| Average earning assets | $65,050,250 | 5,889 |
| Average equity | $14,252,000 | 4,145 |
| Average total loans | $54,077,000 | 5,387 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8568% | 5,582 |
| Cost of funding earning assets | 0.9638% | 6,320 |
| Net interest margin | 3.8930% | 3,482 |
| Noninterest income to average assets | 0.2311% | 6,262 |
| Noninterest expense to average assets | 2.8317% | 4,353 |
| Loan and lease loss provision to assets | 0.4437% | 3,102 |
| Net operating income to assets | 0.7642% | 3,126 |
| Return on assets (ROA) | 0.7642% | 3,282 |
| Pretax return on assets | 0.7642% | 4,009 |
| Return on Equity (ROE) | 3.5018% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.5018% | 3,880 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0992% | 4,179 |
| Assets per employee ($millions) | 6.9708% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5549% | 3,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 79.1989% | 919 |
| Net loans and leases to deposits | 100.2506% | 699 |
| Net loans and leases to core deposits | 116.1100% | 840 |
| Total domestic deposits to total assets | 79.0010% | 6,039 |
| Equity capital to assets | 20.5314% | 261 |
| Core capital (leverage) ratio | 21.2717% | 196 |
| Tier 1 risk-based capital ratio | 26.8467% | 709 |
| Total risk-based capital ratio | 28.1017% | 696 |
| Memoranda: |
| Average total assets | $64,907,330 | 6,143 |
| Average earning assets | $63,498,330 | 5,971 |
| Average equity | $14,164,000 | 4,161 |
| Average total loans | $52,868,000 | 5,472 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8721% | 5,598 |
| Cost of funding earning assets | 1.0216% | 6,272 |
| Net interest margin | 3.8505% | 3,568 |
| Noninterest income to average assets | 0.1728% | 6,734 |
| Noninterest expense to average assets | 2.9117% | 4,010 |
| Loan and lease loss provision to assets | 0.3264% | 3,449 |
| Net operating income to assets | 0.6975% | 3,451 |
| Return on assets (ROA) | 0.6975% | 3,565 |
| Pretax return on assets | 0.6975% | 4,245 |
| Return on Equity (ROE) | 3.0944% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.0944% | 4,283 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9837% | 3,580 |
| Assets per employee ($millions) | 6.4853% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4870% | 3,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 79.5753% | 893 |
| Net loans and leases to deposits | 102.4253% | 619 |
| Net loans and leases to core deposits | 119.3088% | 807 |
| Total domestic deposits to total assets | 77.6911% | 6,400 |
| Equity capital to assets | 21.8247% | 214 |
| Core capital (leverage) ratio | 22.4638% | 176 |
| Tier 1 risk-based capital ratio | 28.1207% | 632 |
| Total risk-based capital ratio | 29.3744% | 616 |
| Memoranda: |
| Average total assets | $62,507,000 | 6,287 |
| Average earning assets | $61,083,000 | 6,128 |
| Average equity | $14,090,000 | 4,224 |
| Average total loans | $51,262,000 | 5,620 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8539% | 6,828 |
| Cost of funding earning assets | 1.3368% | 6,187 |
| Net interest margin | 3.5171% | 4,880 |
| Noninterest income to average assets | 0.1290% | 7,106 |
| Noninterest expense to average assets | 3.1720% | 3,472 |
| Loan and lease loss provision to assets | 0.4785% | 3,965 |
| Net operating income to assets | -0.0841% | 5,650 |
| Return on assets (ROA) | -0.0841% | 5,663 |
| Pretax return on assets | -0.0841% | 5,579 |
| Return on Equity (ROE) | -0.3244% | 5,591 |
| Retained earnings to average equity (ytd only) | -0.3244% | 5,034 |
| Net charge-offs to loans | 0.0396% | 6,718 |
| Credit loss provision to net charge-offs | 1,600.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 13.1875% | 1,447 |
| Efficiency ratio | 88.9413% | 1,804 |
| Assets per employee ($millions) | 6.6846% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4520% | 3,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 82.1296% | 666 |
| Net loans and leases to deposits | 107.9080% | 465 |
| Net loans and leases to core deposits | 175.0452% | 198 |
| Total domestic deposits to total assets | 76.1108% | 6,658 |
| Equity capital to assets | 23.3141% | 200 |
| Core capital (leverage) ratio | 24.6187% | 160 |
| Tier 1 risk-based capital ratio | 29.4682% | 555 |
| Total risk-based capital ratio | 30.7225% | 540 |
| Memoranda: |
| Average total assets | $53,500,000 | 6,581 |
| Average earning assets | $52,287,400 | 6,446 |
| Average equity | $13,872,600 | 4,291 |
| Average total loans | $40,355,800 | 6,085 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8766% | 6,943 |
| Cost of funding earning assets | 1.4475% | 6,046 |
| Net interest margin | 3.4292% | 5,148 |
| Noninterest income to average assets | 0.1158% | 7,317 |
| Noninterest expense to average assets | 3.0429% | 3,872 |
| Loan and lease loss provision to assets | 0.4784% | 3,515 |
| Net operating income to assets | -0.0540% | 5,811 |
| Return on assets (ROA) | -0.0540% | 5,859 |
| Pretax return on assets | -0.0540% | 5,786 |
| Return on Equity (ROE) | -0.2024% | 5,812 |
| Retained earnings to average equity (ytd only) | -0.2024% | 5,263 |
| Net charge-offs to loans | 0.0563% | 6,143 |
| Credit loss provision to net charge-offs | 1,162.5000% | 328 |
| Earnings coverage of net charge-offs (x) | 10.3136% | 1,976 |
| Efficiency ratio | 87.7596% | 1,896 |
| Assets per employee ($millions) | 6.3073% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5111% | 3,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 75.5470% | 2,091 |
| Net loans and leases to deposits | 100.8798% | 1,027 |
| Net loans and leases to core deposits | 129.1834% | 1,488 |
| Total domestic deposits to total assets | 74.8881% | 6,788 |
| Equity capital to assets | 24.4266% | 185 |
| Core capital (leverage) ratio | 25.0162% | 169 |
| Tier 1 risk-based capital ratio | 31.9876% | 468 |
| Total risk-based capital ratio | 33.2403% | 461 |
| Memoranda: |
| Average total assets | $51,834,750 | 6,695 |
| Average earning assets | $50,662,250 | 6,553 |
| Average equity | $13,834,250 | 4,327 |
| Average total loans | $37,910,250 | 6,247 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8945% | 7,042 |
| Cost of funding earning assets | 1.5716% | 5,832 |
| Net interest margin | 3.3229% | 5,461 |
| Noninterest income to average assets | 0.1195% | 7,394 |
| Noninterest expense to average assets | 3.1679% | 3,436 |
| Loan and lease loss provision to assets | 0.5738% | 2,716 |
| Net operating income to assets | -0.3786% | 6,423 |
| Return on assets (ROA) | -0.3786% | 6,434 |
| Pretax return on assets | -0.3786% | 6,302 |
| Return on Equity (ROE) | -1.3745% | 6,127 |
| Retained earnings to average equity (ytd only) | -1.3745% | 5,586 |
| Net charge-offs to loans | 0.0888% | 5,303 |
| Credit loss provision to net charge-offs | 900.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 3.0625% | 3,590 |
| Efficiency ratio | 94.1943% | 1,481 |
| Assets per employee ($millions) | 6.0192% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6227% | 2,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 68.9366% | 3,960 |
| Net loans and leases to deposits | 93.3462% | 2,203 |
| Net loans and leases to core deposits | 115.8991% | 2,720 |
| Total domestic deposits to total assets | 73.8504% | 6,970 |
| Equity capital to assets | 25.4592% | 192 |
| Core capital (leverage) ratio | 25.9156% | 188 |
| Tier 1 risk-based capital ratio | 35.6631% | 396 |
| Total risk-based capital ratio | 36.9172% | 395 |
| Memoranda: |
| Average total assets | $50,191,000 | 6,819 |
| Average earning assets | $48,993,330 | 6,673 |
| Average equity | $13,823,670 | 4,346 |
| Average total loans | $36,032,670 | 6,401 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7932% | 7,380 |
| Cost of funding earning assets | 1.6516% | 5,806 |
| Net interest margin | 3.1415% | 6,056 |
| Noninterest income to average assets | 0.0581% | 7,785 |
| Noninterest expense to average assets | 3.2614% | 2,764 |
| Loan and lease loss provision to assets | 0.6473% | 1,957 |
| Net operating income to assets | -0.7884% | 7,118 |
| Return on assets (ROA) | -0.7884% | 7,155 |
| Pretax return on assets | -0.7884% | 7,029 |
| Return on Equity (ROE) | -2.7458% | 6,748 |
| Retained earnings to average equity (ytd only) | -2.7458% | 6,230 |
| Net charge-offs to loans | 0.1825% | 3,537 |
| Credit loss provision to net charge-offs | 487.5000% | 1,108 |
| Earnings coverage of net charge-offs (x) | -1.0625% | 5,373 |
| Efficiency ratio | 104.5213% | 965 |
| Assets per employee ($millions) | 5.8173% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5298% | 2,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 67.6178% | 4,219 |
| Net loans and leases to deposits | 92.6293% | 2,491 |
| Net loans and leases to core deposits | 109.2385% | 3,536 |
| Total domestic deposits to total assets | 72.9983% | 7,053 |
| Equity capital to assets | 26.3427% | 194 |
| Core capital (leverage) ratio | 28.6641% | 170 |
| Tier 1 risk-based capital ratio | 38.2336% | 356 |
| Total risk-based capital ratio | 39.4866% | 345 |
| Memoranda: |
| Average total assets | $48,200,000 | 6,942 |
| Average earning assets | $46,983,500 | 6,795 |
| Average equity | $13,839,500 | 4,374 |
| Average total loans | $35,068,500 | 6,490 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8551% | 7,924 |
| Cost of funding earning assets | 1.4781% | 7,646 |
| Net interest margin | 3.3770% | 5,759 |
| Noninterest income to average assets | 0.0554% | 7,865 |
| Noninterest expense to average assets | 4.9105% | 659 |
| Loan and lease loss provision to assets | 1.0681% | 1,362 |
| Net operating income to assets | -2.6571% | 7,749 |
| Return on assets (ROA) | -2.6571% | 7,721 |
| Pretax return on assets | -2.6571% | 7,630 |
| Return on Equity (ROE) | -5.7190% | 6,937 |
| Retained earnings to average equity (ytd only) | -5.7190% | 6,625 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.8431% | 361 |
| Assets per employee ($millions) | 4.8938% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4275% | 3,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 76.5076% | 2,496 |
| Net loans and leases to deposits | 113.0810% | 661 |
| Net loans and leases to core deposits | 125.9418% | 2,166 |
| Total domestic deposits to total assets | 67.6573% | 7,504 |
| Equity capital to assets | 31.5298% | 156 |
| Core capital (leverage) ratio | 32.1072% | 162 |
| Tier 1 risk-based capital ratio | 41.3735% | 306 |
| Total risk-based capital ratio | 42.6248% | 301 |
| Memoranda: |
| Average total assets | $30,709,600 | 7,613 |
| Average earning assets | $29,701,000 | 7,530 |
| Average equity | $14,268,200 | 4,277 |
| Average total loans | $22,508,400 | 7,166 |
