| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9591% | 3,163 |
| Cost of funding earning assets | 1.3842% | 3,548 |
| Net interest margin | 3.5749% | 1,914 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.2121% | 3,093 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.2429% | 1,408 |
| Return on assets (ROA) | 1.2305% | 1,443 |
| Pretax return on assets | 1.5429% | 1,206 |
| Return on Equity (ROE) | 11.7900% | 1,661 |
| Retained earnings to average equity (ytd only) | 8.5794% | 924 |
| Net charge-offs to loans | 0.0088% | 2,587 |
| Credit loss provision to net charge-offs | 139.1304% | 1,489 |
| Earnings coverage of net charge-offs (x) | 338.1739% | 348 |
| Efficiency ratio | 58.2277% | 3,332 |
| Assets per employee ($millions) | 6.4323% | 2,542 |
| Cash dividends to net income (ytd only)* | 27.2260% | 2,687 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8383% | 501 |
| Loan loss allowance to noncurrent loans | 3,382.1918% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,404 |
| Noncurrent loans to loans | 0.0544% | 3,370 |
| Net loans and leases to total assets | 53.9400% | 3,403 |
| Net loans and leases to deposits | 62.2079% | 3,429 |
| Net loans and leases to core deposits | 70.8927% | 3,315 |
| Total domestic deposits to total assets | 86.7100% | 1,966 |
| Equity capital to assets | 10.4999% | 1,833 |
| Core capital (leverage) ratio | 13.7778% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6493% | 487 |
| Memoranda: |
| Average total assets | $490,122,200 | 1,795 |
| Average earning assets | $467,787,800 | 1,758 |
| Average equity | $51,157,400 | 1,693 |
| Average total loans | $260,988,200 | 2,015 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8963% | 3,202 |
| Cost of funding earning assets | 1.3305% | 3,627 |
| Net interest margin | 3.5658% | 1,897 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 2.1708% | 3,158 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.1671% | 1,587 |
| Return on assets (ROA) | 1.1508% | 1,632 |
| Pretax return on assets | 1.5191% | 1,280 |
| Return on Equity (ROE) | 11.0400% | 1,882 |
| Retained earnings to average equity (ytd only) | 11.0416% | 642 |
| Net charge-offs to loans | 0.0077% | 2,378 |
| Credit loss provision to net charge-offs | 860.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 386.2000% | 306 |
| Efficiency ratio | 57.9547% | 3,359 |
| Assets per employee ($millions) | 6.7918% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8859% | 476 |
| Loan loss allowance to noncurrent loans | 3,384.5638% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,476 |
| Noncurrent loans to loans | 0.0557% | 3,424 |
| Net loans and leases to total assets | 51.5000% | 3,569 |
| Net loans and leases to deposits | 59.6686% | 3,608 |
| Net loans and leases to core deposits | 67.7905% | 3,501 |
| Total domestic deposits to total assets | 86.3200% | 1,818 |
| Equity capital to assets | 11.1406% | 1,663 |
| Core capital (leverage) ratio | 15.1136% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7465% | 490 |
| Memoranda: |
| Average total assets | $490,440,000 | 1,785 |
| Average earning assets | $468,475,750 | 1,751 |
| Average equity | $51,114,500 | 1,686 |
| Average total loans | $259,079,000 | 2,013 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8700% | 3,159 |
| Cost of funding earning assets | 1.2493% | 3,714 |
| Net interest margin | 3.6207% | 1,750 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 2.1771% | 3,139 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.1737% | 1,537 |
| Return on assets (ROA) | 1.1737% | 1,537 |
| Pretax return on assets | 1.5719% | 1,161 |
| Return on Equity (ROE) | 11.5400% | 1,743 |
| Retained earnings to average equity (ytd only) | 11.5403% | 598 |
| Net charge-offs to loans | 0.0094% | 2,057 |
| Credit loss provision to net charge-offs | 1,033.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 327.4167% | 363 |
| Efficiency ratio | 57.2888% | 3,462 |
| Assets per employee ($millions) | 6.5733% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9256% | 444 |
| Loan loss allowance to noncurrent loans | 4,000.7937% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,559 |
| Noncurrent loans to loans | 0.0481% | 3,425 |
| Net loans and leases to total assets | 52.0800% | 3,539 |
| Net loans and leases to deposits | 59.4702% | 3,596 |
| Net loans and leases to core deposits | 66.7192% | 3,511 |
| Total domestic deposits to total assets | 87.5700% | 1,463 |
| Equity capital to assets | 10.2720% | 1,922 |
| Core capital (leverage) ratio | 15.4430% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0390% | 464 |
| Memoranda: |
| Average total assets | $484,124,000 | 1,799 |
| Average earning assets | $462,011,000 | 1,762 |
| Average equity | $49,236,333 | 1,710 |
| Average total loans | $256,305,000 | 2,025 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8357% | 3,094 |
| Cost of funding earning assets | 1.1786% | 3,762 |
| Net interest margin | 3.6572% | 1,622 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 2.1789% | 3,121 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.2308% | 1,367 |
| Return on assets (ROA) | 1.2308% | 1,373 |
| Pretax return on assets | 1.6036% | 1,088 |
| Return on Equity (ROE) | 12.1600% | 1,520 |
| Retained earnings to average equity (ytd only) | 12.1647% | 711 |
| Net charge-offs to loans | 0.0110% | 1,683 |
| Credit loss provision to net charge-offs | 742.8571% | 411 |
| Earnings coverage of net charge-offs (x) | 282.1429% | 322 |
| Efficiency ratio | 56.9529% | 3,523 |
| Assets per employee ($millions) | 6.3623% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9288% | 433 |
| Loan loss allowance to noncurrent loans | 3,855.8140% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,557 |
| Noncurrent loans to loans | 0.0500% | 3,395 |
| Net loans and leases to total assets | 52.3000% | 3,474 |
| Net loans and leases to deposits | 59.9318% | 3,517 |
| Net loans and leases to core deposits | 67.2253% | 3,473 |
| Total domestic deposits to total assets | 87.2700% | 1,678 |
| Equity capital to assets | 10.1067% | 1,945 |
| Core capital (leverage) ratio | 15.3499% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6434% | 508 |
| Memoranda: |
| Average total assets | $479,685,500 | 1,814 |
| Average earning assets | $457,841,500 | 1,777 |
| Average equity | $48,534,000 | 1,716 |
| Average total loans | $253,562,500 | 2,033 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6219% | 2,845 |
| Cost of funding earning assets | 0.7890% | 3,771 |
| Net interest margin | 3.8329% | 1,507 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2464% | 2,988 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3238% | 1,385 |
| Return on assets (ROA) | 1.1835% | 1,665 |
| Pretax return on assets | 1.5189% | 1,377 |
| Return on Equity (ROE) | 13.1700% | 1,683 |
| Retained earnings to average equity (ytd only) | 9.7078% | 1,089 |
| Net charge-offs to loans | 0.0092% | 2,315 |
| Credit loss provision to net charge-offs | 1,113.6364% | 377 |
| Earnings coverage of net charge-offs (x) | 382.4545% | 366 |
| Efficiency ratio | 56.2477% | 3,475 |
| Assets per employee ($millions) | 6.1009% | 2,731 |
| Cash dividends to net income (ytd only)* | 26.3029% | 2,700 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9776% | 390 |
| Loan loss allowance to noncurrent loans | 3,734.0909% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,492 |
| Noncurrent loans to loans | 0.0530% | 3,342 |
| Net loans and leases to total assets | 51.3400% | 3,518 |
| Net loans and leases to deposits | 58.9001% | 3,586 |
| Net loans and leases to core deposits | 65.3104% | 3,528 |
| Total domestic deposits to total assets | 87.1600% | 1,625 |
| Equity capital to assets | 10.0918% | 1,958 |
| Core capital (leverage) ratio | 14.7737% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2408% | 525 |
| Memoranda: |
| Average total assets | $481,528,600 | 1,767 |
| Average earning assets | $459,074,000 | 1,733 |
| Average equity | $43,264,400 | 1,781 |
| Average total loans | $239,048,000 | 2,064 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4902% | 2,939 |
| Cost of funding earning assets | 0.6927% | 3,780 |
| Net interest margin | 3.7976% | 1,603 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.2779% | 2,861 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.2888% | 1,569 |
| Return on assets (ROA) | 1.2183% | 1,734 |
| Pretax return on assets | 1.5424% | 1,480 |
| Return on Equity (ROE) | 13.9800% | 1,656 |
| Retained earnings to average equity (ytd only) | 13.9844% | 672 |
| Net charge-offs to loans | 0.0158% | 1,833 |
| Credit loss provision to net charge-offs | 553.5714% | 591 |
| Earnings coverage of net charge-offs (x) | 216.6071% | 565 |
| Efficiency ratio | 57.6348% | 3,254 |
| Assets per employee ($millions) | 6.3560% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0015% | 386 |
| Loan loss allowance to noncurrent loans | 5,197.8495% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,640 |
| Noncurrent loans to loans | 0.0385% | 3,490 |
| Net loans and leases to total assets | 48.3600% | 3,721 |
| Net loans and leases to deposits | 54.4067% | 3,774 |
| Net loans and leases to core deposits | 58.1162% | 3,779 |
| Total domestic deposits to total assets | 88.8900% | 1,294 |
| Equity capital to assets | 8.0948% | 2,989 |
| Core capital (leverage) ratio | 14.3947% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8239% | 500 |
| Memoranda: |
| Average total assets | $482,943,000 | 1,769 |
| Average earning assets | $460,248,750 | 1,735 |
| Average equity | $42,074,500 | 1,799 |
| Average total loans | $236,499,500 | 2,071 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3195% | 3,060 |
| Cost of funding earning assets | 0.5589% | 3,858 |
| Net interest margin | 3.7606% | 1,699 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.2347% | 2,981 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2829% | 1,613 |
| Return on assets (ROA) | 1.2829% | 1,603 |
| Pretax return on assets | 1.6565% | 1,305 |
| Return on Equity (ROE) | 14.3800% | 1,601 |
| Retained earnings to average equity (ytd only) | 14.3797% | 636 |
| Net charge-offs to loans | 0.0094% | 1,855 |
| Credit loss provision to net charge-offs | 600.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 387 |
| Efficiency ratio | 57.0276% | 3,302 |
| Assets per employee ($millions) | 6.6547% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9897% | 424 |
| Loan loss allowance to noncurrent loans | 4,909.2784% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,634 |
| Noncurrent loans to loans | 0.0405% | 3,438 |
| Net loans and leases to total assets | 47.0000% | 3,740 |
| Net loans and leases to deposits | 54.0809% | 3,742 |
| Net loans and leases to core deposits | 58.0106% | 3,718 |
| Total domestic deposits to total assets | 86.9000% | 1,961 |
| Equity capital to assets | 8.9931% | 2,516 |
| Core capital (leverage) ratio | 14.5199% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6685% | 580 |
| Memoranda: |
| Average total assets | $480,786,000 | 1,772 |
| Average earning assets | $458,382,333 | 1,743 |
| Average equity | $42,893,667 | 1,789 |
| Average total loans | $234,825,333 | 2,077 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1499% | 3,141 |
| Cost of funding earning assets | 0.3929% | 3,985 |
| Net interest margin | 3.7570% | 1,775 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.3366% | 2,712 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1331% | 2,119 |
| Return on assets (ROA) | 1.1331% | 2,086 |
| Pretax return on assets | 1.5656% | 1,543 |
| Return on Equity (ROE) | 12.7500% | 2,038 |
| Retained earnings to average equity (ytd only) | 12.7548% | 1,133 |
| Net charge-offs to loans | 0.0206% | 1,264 |
| Credit loss provision to net charge-offs | 83.3333% | 1,195 |
| Earnings coverage of net charge-offs (x) | 154.6667% | 602 |
| Efficiency ratio | 59.7484% | 2,988 |
| Assets per employee ($millions) | 6.3908% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9645% | 473 |
| Loan loss allowance to noncurrent loans | 4,657.4257% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,598 |
| Noncurrent loans to loans | 0.0422% | 3,436 |
| Net loans and leases to total assets | 48.9800% | 3,569 |
| Net loans and leases to deposits | 56.2794% | 3,554 |
| Net loans and leases to core deposits | 60.2166% | 3,533 |
| Total domestic deposits to total assets | 87.0200% | 2,254 |
| Equity capital to assets | 9.1845% | 2,382 |
| Core capital (leverage) ratio | 14.5625% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1591% | 643 |
| Memoranda: |
| Average total assets | $471,626,500 | 1,811 |
| Average earning assets | $448,976,500 | 1,779 |
| Average equity | $41,898,000 | 1,841 |
| Average total loans | $232,570,500 | 2,107 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4454% | 3,220 |
| Cost of funding earning assets | 0.1276% | 4,242 |
| Net interest margin | 3.3179% | 2,523 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.0265% | 3,514 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1411% | 2,004 |
| Return on assets (ROA) | 1.1411% | 1,949 |
| Pretax return on assets | 1.4045% | 1,759 |
| Return on Equity (ROE) | 11.5100% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.5263% | 2,015 |
| Net charge-offs to loans | 0.0212% | 1,655 |
| Credit loss provision to net charge-offs | 750.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 774 |
| Efficiency ratio | 57.8570% | 3,358 |
| Assets per employee ($millions) | 5.6578% | 3,078 |
| Cash dividends to net income (ytd only)* | 34.6378% | 2,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0851% | 370 |
| Loan loss allowance to noncurrent loans | 4,481.9048% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,610 |
| Noncurrent loans to loans | 0.0465% | 3,417 |
| Net loans and leases to total assets | 47.6300% | 3,694 |
| Net loans and leases to deposits | 53.2930% | 3,720 |
| Net loans and leases to core deposits | 56.4302% | 3,703 |
| Total domestic deposits to total assets | 89.3800% | 1,609 |
| Equity capital to assets | 8.5730% | 2,653 |
| Core capital (leverage) ratio | 14.0403% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9538% | 549 |
| Memoranda: |
| Average total assets | $481,460,200 | 1,765 |
| Average earning assets | $456,228,000 | 1,740 |
| Average equity | $47,712,600 | 1,681 |
| Average total loans | $216,855,400 | 2,124 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2243% | 3,374 |
| Cost of funding earning assets | 0.1106% | 4,193 |
| Net interest margin | 3.1137% | 2,891 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.9556% | 3,610 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1156% | 2,021 |
| Return on assets (ROA) | 1.1156% | 1,989 |
| Pretax return on assets | 1.3510% | 1,883 |
| Return on Equity (ROE) | 10.9100% | 2,413 |
| Retained earnings to average equity (ytd only) | 10.9058% | 1,078 |
| Net charge-offs to loans | 0.0193% | 1,452 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 159.8065% | 718 |
| Efficiency ratio | 58.9901% | 3,247 |
| Assets per employee ($millions) | 6.1968% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0168% | 490 |
| Loan loss allowance to noncurrent loans | 5,124.4186% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,770 |
| Noncurrent loans to loans | 0.0394% | 3,609 |
| Net loans and leases to total assets | 44.8700% | 3,826 |
| Net loans and leases to deposits | 49.7368% | 3,874 |
| Net loans and leases to core deposits | 53.1014% | 3,803 |
| Total domestic deposits to total assets | 90.2200% | 1,561 |
| Equity capital to assets | 7.8463% | 2,990 |
| Core capital (leverage) ratio | 13.6476% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4187% | 527 |
| Memoranda: |
| Average total assets | $485,839,500 | 1,766 |
| Average earning assets | $460,403,000 | 1,739 |
| Average equity | $49,697,250 | 1,656 |
| Average total loans | $214,645,750 | 2,137 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0003% | 3,561 |
| Cost of funding earning assets | 0.1130% | 4,045 |
| Net interest margin | 2.8873% | 3,206 |
| Noninterest income to average assets | 0.3560% | 3,020 |
| Noninterest expense to average assets | 1.8783% | 3,759 |
| Loan and lease loss provision to assets | 0.0078% | 2,459 |
| Net operating income to assets | 1.0411% | 2,019 |
| Return on assets (ROA) | 1.0411% | 1,987 |
| Pretax return on assets | 1.2101% | 2,044 |
| Return on Equity (ROE) | 9.4602% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.4602% | 1,150 |
| Net charge-offs to loans | 0.0178% | 1,382 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 156.6316% | 626 |
| Efficiency ratio | 60.6661% | 3,220 |
| Assets per employee ($millions) | 6.6340% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9928% | 562 |
| Loan loss allowance to noncurrent loans | 4,640.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,814 |
| Noncurrent loans to loans | 0.0429% | 3,621 |
| Net loans and leases to total assets | 44.1602% | 3,819 |
| Net loans and leases to deposits | 49.5717% | 3,826 |
| Net loans and leases to core deposits | 52.9573% | 3,760 |
| Total domestic deposits to total assets | 89.0834% | 2,145 |
| Equity capital to assets | 8.9140% | 2,434 |
| Core capital (leverage) ratio | 13.2895% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9588% | 536 |
| Memoranda: |
| Average total assets | $488,735,000 | 1,767 |
| Average earning assets | $463,823,333 | 1,738 |
| Average equity | $53,783,333 | 1,589 |
| Average total loans | $213,356,667 | 2,151 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8412% | 3,659 |
| Cost of funding earning assets | 0.1301% | 3,773 |
| Net interest margin | 2.7111% | 3,375 |
| Noninterest income to average assets | 0.3494% | 3,000 |
| Noninterest expense to average assets | 1.8620% | 3,775 |
| Loan and lease loss provision to assets | 0.0107% | 2,135 |
| Net operating income to assets | 0.9548% | 2,055 |
| Return on assets (ROA) | 0.9548% | 2,052 |
| Pretax return on assets | 1.0573% | 2,273 |
| Return on Equity (ROE) | 7.9190% | 2,719 |
| Retained earnings to average equity (ytd only) | 7.9190% | 1,607 |
| Net charge-offs to loans | 0.0267% | 1,051 |
| Credit loss provision to net charge-offs | 92.8571% | 1,069 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 698 |
| Efficiency ratio | 63.5498% | 3,081 |
| Assets per employee ($millions) | 6.3450% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1236% | 503 |
| Loan loss allowance to noncurrent loans | 5,245.2381% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,885 |
| Noncurrent loans to loans | 0.0405% | 3,686 |
| Net loans and leases to total assets | 41.5645% | 3,909 |
| Net loans and leases to deposits | 47.6658% | 3,890 |
| Net loans and leases to core deposits | 50.9393% | 3,812 |
| Total domestic deposits to total assets | 87.1998% | 2,857 |
| Equity capital to assets | 10.8848% | 1,391 |
| Core capital (leverage) ratio | 12.9644% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8124% | 503 |
| Memoranda: |
| Average total assets | $487,646,000 | 1,773 |
| Average earning assets | $464,169,500 | 1,745 |
| Average equity | $58,795,000 | 1,513 |
| Average total loans | $209,437,000 | 2,172 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3967% | 2,940 |
| Cost of funding earning assets | 0.1717% | 3,756 |
| Net interest margin | 3.2250% | 2,540 |
| Noninterest income to average assets | 0.3930% | 3,087 |
| Noninterest expense to average assets | 1.9661% | 3,781 |
| Loan and lease loss provision to assets | 0.0204% | 2,660 |
| Net operating income to assets | 1.0363% | 2,534 |
| Return on assets (ROA) | 1.0363% | 2,604 |
| Pretax return on assets | 1.4641% | 1,839 |
| Return on Equity (ROE) | 7.4079% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.3312% | 2,656 |
| Net charge-offs to loans | 0.0433% | 1,412 |
| Credit loss provision to net charge-offs | 94.8980% | 1,853 |
| Earnings coverage of net charge-offs (x) | 69.0408% | 1,083 |
| Efficiency ratio | 56.9784% | 3,582 |
| Assets per employee ($millions) | 6.4043% | 2,408 |
| Cash dividends to net income (ytd only)* | 28.0330% | 2,659 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0847% | 533 |
| Loan loss allowance to noncurrent loans | 4,790.2174% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,946 |
| Noncurrent loans to loans | 0.0435% | 3,763 |
| Net loans and leases to total assets | 42.5272% | 3,946 |
| Net loans and leases to deposits | 49.8828% | 3,893 |
| Net loans and leases to core deposits | 53.6705% | 3,777 |
| Total domestic deposits to total assets | 85.2544% | 3,186 |
| Equity capital to assets | 13.2335% | 841 |
| Core capital (leverage) ratio | 12.8087% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4252% | 526 |
| Memoranda: |
| Average total assets | $455,775,800 | 1,819 |
| Average earning assets | $432,130,400 | 1,796 |
| Average equity | $63,756,600 | 1,446 |
| Average total loans | $226,160,200 | 2,071 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5099% | 2,805 |
| Cost of funding earning assets | 0.1792% | 3,830 |
| Net interest margin | 3.3307% | 2,336 |
| Noninterest income to average assets | 0.3949% | 3,122 |
| Noninterest expense to average assets | 1.9879% | 3,715 |
| Loan and lease loss provision to assets | 0.0056% | 2,864 |
| Net operating income to assets | 1.1061% | 2,534 |
| Return on assets (ROA) | 1.1061% | 2,590 |
| Pretax return on assets | 1.5537% | 1,839 |
| Return on Equity (ROE) | 7.7931% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.7931% | 2,120 |
| Net charge-offs to loans | 0.0151% | 1,785 |
| Credit loss provision to net charge-offs | 73.0769% | 1,743 |
| Earnings coverage of net charge-offs (x) | 201.5385% | 550 |
| Efficiency ratio | 56.0403% | 3,527 |
| Assets per employee ($millions) | 6.3228% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9071% | 757 |
| Loan loss allowance to noncurrent loans | 4,361.3861% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,047 |
| Noncurrent loans to loans | 0.0437% | 3,896 |
| Net loans and leases to total assets | 47.7787% | 3,645 |
| Net loans and leases to deposits | 57.1095% | 3,482 |
| Net loans and leases to core deposits | 60.7351% | 3,425 |
| Total domestic deposits to total assets | 83.6616% | 3,552 |
| Equity capital to assets | 13.7917% | 785 |
| Core capital (leverage) ratio | 13.3315% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5840% | 637 |
| Memoranda: |
| Average total assets | $448,037,750 | 1,865 |
| Average earning assets | $424,050,500 | 1,840 |
| Average equity | $63,593,000 | 1,466 |
| Average total loans | $229,850,500 | 2,089 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6758% | 2,405 |
| Cost of funding earning assets | 0.1872% | 3,877 |
| Net interest margin | 3.4886% | 1,885 |
| Noninterest income to average assets | 0.3911% | 3,147 |
| Noninterest expense to average assets | 2.0145% | 3,660 |
| Loan and lease loss provision to assets | 0.0032% | 2,817 |
| Net operating income to assets | 1.1905% | 2,221 |
| Return on assets (ROA) | 1.1905% | 2,291 |
| Pretax return on assets | 1.6653% | 1,575 |
| Return on Equity (ROE) | 8.3029% | 3,315 |
| Retained earnings to average equity (ytd only) | 8.3029% | 1,976 |
| Net charge-offs to loans | 0.0105% | 1,763 |
| Credit loss provision to net charge-offs | 58.3333% | 1,565 |
| Earnings coverage of net charge-offs (x) | 305.4167% | 366 |
| Efficiency ratio | 54.6972% | 3,715 |
| Assets per employee ($millions) | 6.0417% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9539% | 667 |
| Loan loss allowance to noncurrent loans | 4,043.1193% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,102 |
| Noncurrent loans to loans | 0.0483% | 3,937 |
| Net loans and leases to total assets | 48.1619% | 3,710 |
| Net loans and leases to deposits | 57.6755% | 3,574 |
| Net loans and leases to core deposits | 61.2521% | 3,525 |
| Total domestic deposits to total assets | 83.5049% | 3,578 |
| Equity capital to assets | 14.0201% | 712 |
| Core capital (leverage) ratio | 13.7134% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7042% | 565 |
| Memoranda: |
| Average total assets | $439,314,667 | 1,883 |
| Average earning assets | $414,554,000 | 1,862 |
| Average equity | $62,990,333 | 1,465 |
| Average total loans | $229,475,667 | 2,098 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9256% | 1,771 |
| Cost of funding earning assets | 0.1930% | 3,979 |
| Net interest margin | 3.7327% | 1,265 |
| Noninterest income to average assets | 0.3894% | 3,153 |
| Noninterest expense to average assets | 2.0327% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3386% | 1,715 |
| Return on assets (ROA) | 1.3386% | 1,801 |
| Pretax return on assets | 1.8706% | 1,159 |
| Return on Equity (ROE) | 9.2267% | 2,952 |
| Retained earnings to average equity (ytd only) | 9.2267% | 1,878 |
| Net charge-offs to loans | 0.0052% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 669.3333% | 145 |
| Efficiency ratio | 52.0764% | 3,984 |
| Assets per employee ($millions) | 5.8580% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9414% | 679 |
| Loan loss allowance to noncurrent loans | 1,627.3063% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,933 |
| Noncurrent loans to loans | 0.1193% | 3,716 |
| Net loans and leases to total assets | 50.6980% | 3,563 |
| Net loans and leases to deposits | 60.8808% | 3,421 |
| Net loans and leases to core deposits | 64.7721% | 3,341 |
| Total domestic deposits to total assets | 83.2741% | 3,622 |
| Equity capital to assets | 14.1382% | 642 |
| Core capital (leverage) ratio | 14.2755% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8337% | 598 |
| Memoranda: |
| Average total assets | $429,388,000 | 1,904 |
| Average earning assets | $404,215,500 | 1,891 |
| Average equity | $62,297,500 | 1,471 |
| Average total loans | $231,438,000 | 2,088 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7058% | 3,561 |
| Cost of funding earning assets | 0.2968% | 4,166 |
| Net interest margin | 3.4090% | 2,749 |
| Noninterest income to average assets | 1.0381% | 982 |
| Noninterest expense to average assets | 2.3565% | 3,256 |
| Loan and lease loss provision to assets | 0.2726% | 1,410 |
| Net operating income to assets | 1.2057% | 1,536 |
| Return on assets (ROA) | 1.2057% | 1,645 |
| Pretax return on assets | 1.6311% | 1,001 |
| Return on Equity (ROE) | 7.6590% | 2,939 |
| Retained earnings to average equity (ytd only) | 4.2301% | 2,694 |
| Net charge-offs to loans | -0.0005% | 3,899 |
| Credit loss provision to net charge-offs | -105,900.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3139% | 4,062 |
| Assets per employee ($millions) | 5.6679% | 2,663 |
| Cash dividends to net income (ytd only)* | 44.7694% | 2,105 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8721% | 762 |
| Loan loss allowance to noncurrent loans | 1,446.8852% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,970 |
| Noncurrent loans to loans | 0.1294% | 3,764 |
| Net loans and leases to total assets | 55.1495% | 3,378 |
| Net loans and leases to deposits | 66.4569% | 3,228 |
| Net loans and leases to core deposits | 70.7171% | 3,207 |
| Total domestic deposits to total assets | 82.9854% | 3,416 |
| Equity capital to assets | 14.8963% | 590 |
| Core capital (leverage) ratio | 14.2050% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5227% | 713 |
| Memoranda: |
| Average total assets | $388,499,400 | 1,895 |
| Average earning assets | $367,206,000 | 1,881 |
| Average equity | $61,157,000 | 1,423 |
| Average total loans | $220,685,200 | 2,101 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7835% | 3,611 |
| Cost of funding earning assets | 0.3252% | 4,187 |
| Net interest margin | 3.4583% | 2,729 |
| Noninterest income to average assets | 1.2756% | 668 |
| Noninterest expense to average assets | 2.3601% | 3,256 |
| Loan and lease loss provision to assets | 0.1778% | 2,209 |
| Net operating income to assets | 1.4903% | 929 |
| Return on assets (ROA) | 1.4903% | 1,011 |
| Pretax return on assets | 2.0113% | 507 |
| Return on Equity (ROE) | 9.3290% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.3290% | 900 |
| Net charge-offs to loans | -0.0068% | 4,128 |
| Credit loss provision to net charge-offs | -4,618.1818% | 4,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8781% | 4,355 |
| Assets per employee ($millions) | 5.4986% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6770% | 928 |
| Loan loss allowance to noncurrent loans | 1,307.7703% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 4,067 |
| Noncurrent loans to loans | 0.1282% | 3,872 |
| Net loans and leases to total assets | 55.7788% | 3,645 |
| Net loans and leases to deposits | 68.4190% | 3,439 |
| Net loans and leases to core deposits | 72.6926% | 3,415 |
| Total domestic deposits to total assets | 81.5253% | 3,536 |
| Equity capital to assets | 15.7595% | 500 |
| Core capital (leverage) ratio | 14.9434% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4773% | 625 |
| Memoranda: |
| Average total assets | $380,767,500 | 1,902 |
| Average earning assets | $360,436,750 | 1,882 |
| Average equity | $60,826,500 | 1,423 |
| Average total loans | $216,925,250 | 2,123 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9339% | 3,519 |
| Cost of funding earning assets | 0.3674% | 4,190 |
| Net interest margin | 3.5666% | 2,591 |
| Noninterest income to average assets | 1.7406% | 354 |
| Noninterest expense to average assets | 2.4787% | 3,025 |
| Loan and lease loss provision to assets | 0.1693% | 2,312 |
| Net operating income to assets | 1.8427% | 460 |
| Return on assets (ROA) | 1.8427% | 507 |
| Pretax return on assets | 2.4797% | 224 |
| Return on Equity (ROE) | 11.4789% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.4789% | 537 |
| Net charge-offs to loans | 0.0075% | 2,679 |
| Credit loss provision to net charge-offs | 3,937.5000% | 277 |
| Earnings coverage of net charge-offs (x) | 616.0000% | 167 |
| Efficiency ratio | 48.3384% | 4,603 |
| Assets per employee ($millions) | 5.1094% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6668% | 883 |
| Loan loss allowance to noncurrent loans | 1,051.7241% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 4,093 |
| Noncurrent loans to loans | 0.1585% | 3,825 |
| Net loans and leases to total assets | 54.1782% | 3,859 |
| Net loans and leases to deposits | 66.0430% | 3,719 |
| Net loans and leases to core deposits | 70.0738% | 3,698 |
| Total domestic deposits to total assets | 82.0348% | 3,359 |
| Equity capital to assets | 15.7323% | 506 |
| Core capital (leverage) ratio | 15.6436% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6908% | 526 |
| Memoranda: |
| Average total assets | $372,057,333 | 1,916 |
| Average earning assets | $353,335,000 | 1,883 |
| Average equity | $59,727,000 | 1,429 |
| Average total loans | $212,289,000 | 2,140 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9933% | 3,803 |
| Cost of funding earning assets | 0.4357% | 4,215 |
| Net interest margin | 3.5576% | 2,796 |
| Noninterest income to average assets | 3.2105% | 139 |
| Noninterest expense to average assets | 2.6119% | 2,948 |
| Loan and lease loss provision to assets | 0.0111% | 3,636 |
| Net operating income to assets | 2.9564% | 69 |
| Return on assets (ROA) | 2.9564% | 71 |
| Pretax return on assets | 3.9641% | 50 |
| Return on Equity (ROE) | 18.2138% | 253 |
| Retained earnings to average equity (ytd only) | 18.2138% | 84 |
| Net charge-offs to loans | 0.4754% | 307 |
| Credit loss provision to net charge-offs | 4.0323% | 2,243 |
| Earnings coverage of net charge-offs (x) | 14.3790% | 1,598 |
| Efficiency ratio | 39.6514% | 4,984 |
| Assets per employee ($millions) | 4.5065% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4783% | 1,418 |
| Loan loss allowance to noncurrent loans | 2,433.5938% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 4,439 |
| Noncurrent loans to loans | 0.0607% | 4,301 |
| Net loans and leases to total assets | 57.5858% | 3,704 |
| Net loans and leases to deposits | 70.1054% | 3,585 |
| Net loans and leases to core deposits | 75.0678% | 3,567 |
| Total domestic deposits to total assets | 82.1417% | 3,372 |
| Equity capital to assets | 16.5810% | 500 |
| Core capital (leverage) ratio | 16.4464% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1989% | 486 |
| Memoranda: |
| Average total assets | $358,820,500 | 1,925 |
| Average earning assets | $340,570,500 | 1,889 |
| Average equity | $58,241,500 | 1,451 |
| Average total loans | $208,645,000 | 2,127 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9890% | 4,287 |
| Cost of funding earning assets | 0.4672% | 4,212 |
| Net interest margin | 3.5218% | 3,374 |
| Noninterest income to average assets | 0.4258% | 3,133 |
| Noninterest expense to average assets | 2.4616% | 3,545 |
| Loan and lease loss provision to assets | 0.0093% | 3,824 |
| Net operating income to assets | 1.0130% | 2,804 |
| Return on assets (ROA) | 1.0181% | 2,873 |
| Pretax return on assets | 1.3409% | 2,359 |
| Return on Equity (ROE) | 6.5391% | 3,731 |
| Retained earnings to average equity (ytd only) | 3.9198% | 3,008 |
| Net charge-offs to loans | -0.0030% | 4,266 |
| Credit loss provision to net charge-offs | -550.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6885% | 2,976 |
| Assets per employee ($millions) | 4.5785% | 3,110 |
| Cash dividends to net income (ytd only)* | 40.0552% | 2,602 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6232% | 932 |
| Loan loss allowance to noncurrent loans | 4,593.1507% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,556 |
| Noncurrent loans to loans | 0.0353% | 4,420 |
| Net loans and leases to total assets | 56.9033% | 3,853 |
| Net loans and leases to deposits | 68.4935% | 3,778 |
| Net loans and leases to core deposits | 73.4106% | 3,766 |
| Total domestic deposits to total assets | 83.0785% | 3,165 |
| Equity capital to assets | 15.8785% | 628 |
| Core capital (leverage) ratio | 15.4759% | 593 |
| Tier 1 risk-based capital ratio | 22.0762% | 1,013 |
| Total risk-based capital ratio | 23.3268% | 994 |
| Memoranda: |
| Average total assets | $355,575,000 | 1,891 |
| Average earning assets | $341,215,800 | 1,842 |
| Average equity | $55,359,400 | 1,465 |
| Average total loans | $201,608,600 | 2,156 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9706% | 4,416 |
| Cost of funding earning assets | 0.4669% | 4,276 |
| Net interest margin | 3.5037% | 3,552 |
| Noninterest income to average assets | 0.4193% | 3,208 |
| Noninterest expense to average assets | 2.4891% | 3,466 |
| Loan and lease loss provision to assets | 0.0098% | 3,699 |
| Net operating income to assets | 0.9806% | 3,047 |
| Return on assets (ROA) | 0.9737% | 3,153 |
| Pretax return on assets | 1.2782% | 2,732 |
| Return on Equity (ROE) | 6.2857% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.6799% | 2,519 |
| Net charge-offs to loans | 0.0193% | 2,732 |
| Credit loss provision to net charge-offs | 89.6552% | 2,396 |
| Earnings coverage of net charge-offs (x) | 119.0903% | 656 |
| Efficiency ratio | 65.7511% | 2,759 |
| Assets per employee ($millions) | 4.5300% | 3,150 |
| Cash dividends to net income (ytd only)* | 9.6378% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6689% | 868 |
| Loan loss allowance to noncurrent loans | 993.9940% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 4,251 |
| Noncurrent loans to loans | 0.1679% | 3,936 |
| Net loans and leases to total assets | 54.4945% | 4,136 |
| Net loans and leases to deposits | 65.8021% | 4,079 |
| Net loans and leases to core deposits | 70.8956% | 4,005 |
| Total domestic deposits to total assets | 82.8157% | 3,223 |
| Equity capital to assets | 16.0043% | 633 |
| Core capital (leverage) ratio | 15.6256% | 620 |
| Tier 1 risk-based capital ratio | 23.1819% | 928 |
| Total risk-based capital ratio | 24.4329% | 910 |
| Memoranda: |
| Average total assets | $355,187,500 | 1,905 |
| Average earning assets | $341,265,750 | 1,859 |
| Average equity | $55,022,750 | 1,473 |
| Average total loans | $200,368,500 | 2,181 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9506% | 4,483 |
| Cost of funding earning assets | 0.4511% | 4,319 |
| Net interest margin | 3.4995% | 3,597 |
| Noninterest income to average assets | 0.3810% | 3,394 |
| Noninterest expense to average assets | 2.5075% | 3,452 |
| Loan and lease loss provision to assets | 0.0096% | 3,555 |
| Net operating income to assets | 0.9491% | 3,096 |
| Return on assets (ROA) | 0.9602% | 3,134 |
| Pretax return on assets | 1.2459% | 2,765 |
| Return on Equity (ROE) | 6.2684% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.2684% | 2,165 |
| Net charge-offs to loans | 0.0209% | 2,438 |
| Credit loss provision to net charge-offs | 80.9524% | 2,217 |
| Earnings coverage of net charge-offs (x) | 104.7143% | 675 |
| Efficiency ratio | 66.8875% | 2,701 |
| Assets per employee ($millions) | 4.4901% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6665% | 880 |
| Loan loss allowance to noncurrent loans | 3,803.4483% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,663 |
| Noncurrent loans to loans | 0.0438% | 4,490 |
| Net loans and leases to total assets | 54.3550% | 4,186 |
| Net loans and leases to deposits | 65.3451% | 4,139 |
| Net loans and leases to core deposits | 70.9807% | 4,064 |
| Total domestic deposits to total assets | 83.1815% | 3,149 |
| Equity capital to assets | 15.6484% | 679 |
| Core capital (leverage) ratio | 15.5790% | 609 |
| Tier 1 risk-based capital ratio | 23.1643% | 935 |
| Total risk-based capital ratio | 24.4155% | 909 |
| Memoranda: |
| Average total assets | $354,292,330 | 1,914 |
| Average earning assets | $340,959,000 | 1,862 |
| Average equity | $54,272,000 | 1,479 |
| Average total loans | $201,047,670 | 2,182 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9137% | 4,530 |
| Cost of funding earning assets | 0.4029% | 4,471 |
| Net interest margin | 3.5107% | 3,566 |
| Noninterest income to average assets | 0.3365% | 3,609 |
| Noninterest expense to average assets | 2.5353% | 3,403 |
| Loan and lease loss provision to assets | 0.0193% | 3,193 |
| Net operating income to assets | 0.9411% | 3,083 |
| Return on assets (ROA) | 0.9641% | 3,037 |
| Pretax return on assets | 1.1881% | 2,849 |
| Return on Equity (ROE) | 6.3636% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.3636% | 2,291 |
| Net charge-offs to loans | 0.0376% | 1,736 |
| Credit loss provision to net charge-offs | 89.4737% | 1,722 |
| Earnings coverage of net charge-offs (x) | 54.5789% | 972 |
| Efficiency ratio | 68.2583% | 2,606 |
| Assets per employee ($millions) | 4.4561% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6499% | 964 |
| Loan loss allowance to noncurrent loans | 3,560.2151% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,719 |
| Noncurrent loans to loans | 0.0463% | 4,554 |
| Net loans and leases to total assets | 55.3635% | 4,107 |
| Net loans and leases to deposits | 66.0021% | 4,052 |
| Net loans and leases to core deposits | 71.1266% | 3,999 |
| Total domestic deposits to total assets | 83.8815% | 3,087 |
| Equity capital to assets | 15.2158% | 709 |
| Core capital (leverage) ratio | 15.8788% | 549 |
| Tier 1 risk-based capital ratio | 22.2277% | 1,023 |
| Total risk-based capital ratio | 23.4787% | 1,005 |
| Memoranda: |
| Average total assets | $351,836,000 | 1,943 |
| Average earning assets | $338,504,500 | 1,889 |
| Average equity | $53,303,000 | 1,492 |
| Average total loans | $202,294,000 | 2,193 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7727% | 4,550 |
| Cost of funding earning assets | 0.3191% | 4,472 |
| Net interest margin | 3.4536% | 3,849 |
| Noninterest income to average assets | 0.4303% | 3,242 |
| Noninterest expense to average assets | 2.5416% | 3,498 |
| Loan and lease loss provision to assets | 0.0083% | 3,962 |
| Net operating income to assets | 0.9361% | 3,301 |
| Return on assets (ROA) | 0.9472% | 3,241 |
| Pretax return on assets | 1.2181% | 2,821 |
| Return on Equity (ROE) | 6.4818% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.5306% | 3,036 |
| Net charge-offs to loans | -0.0155% | 4,621 |
| Credit loss provision to net charge-offs | -93.5484% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7047% | 2,598 |
| Assets per employee ($millions) | 4.2340% | 3,564 |
| Cash dividends to net income (ytd only)* | 30.1023% | 3,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6247% | 976 |
| Loan loss allowance to noncurrent loans | 3,722.4719% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 4,736 |
| Noncurrent loans to loans | 0.0436% | 4,556 |
| Net loans and leases to total assets | 57.7791% | 3,991 |
| Net loans and leases to deposits | 68.6857% | 3,928 |
| Net loans and leases to core deposits | 73.3026% | 3,902 |
| Total domestic deposits to total assets | 84.1210% | 2,964 |
| Equity capital to assets | 15.0823% | 692 |
| Core capital (leverage) ratio | 15.5760% | 584 |
| Tier 1 risk-based capital ratio | 21.6687% | 1,073 |
| Total risk-based capital ratio | 22.9193% | 1,054 |
| Memoranda: |
| Average total assets | $350,723,600 | 1,917 |
| Average earning assets | $337,532,000 | 1,857 |
| Average equity | $51,251,400 | 1,480 |
| Average total loans | $200,366,800 | 2,173 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7169% | 4,620 |
| Cost of funding earning assets | 0.3049% | 4,486 |
| Net interest margin | 3.4121% | 3,968 |
| Noninterest income to average assets | 0.4308% | 3,278 |
| Noninterest expense to average assets | 2.5111% | 3,555 |
| Loan and lease loss provision to assets | 0.0080% | 3,816 |
| Net operating income to assets | 0.9441% | 3,329 |
| Return on assets (ROA) | 0.9552% | 3,296 |
| Pretax return on assets | 1.2108% | 2,950 |
| Return on Equity (ROE) | 6.5889% | 4,081 |
| Retained earnings to average equity (ytd only) | 6.5889% | 2,345 |
| Net charge-offs to loans | -0.0294% | 4,744 |
| Credit loss provision to net charge-offs | -47.7273% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5783% | 2,614 |
| Assets per employee ($millions) | 4.4102% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6464% | 970 |
| Loan loss allowance to noncurrent loans | 3,685.5556% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 4,855 |
| Noncurrent loans to loans | 0.0447% | 4,700 |
| Net loans and leases to total assets | 56.1618% | 4,205 |
| Net loans and leases to deposits | 66.4014% | 4,166 |
| Net loans and leases to core deposits | 70.7996% | 4,137 |
| Total domestic deposits to total assets | 84.5793% | 2,769 |
| Equity capital to assets | 14.6251% | 798 |
| Core capital (leverage) ratio | 15.3566% | 621 |
| Tier 1 risk-based capital ratio | 22.1155% | 1,037 |
| Total risk-based capital ratio | 23.3666% | 1,017 |
| Memoranda: |
| Average total assets | $351,607,500 | 1,926 |
| Average earning assets | $338,514,250 | 1,866 |
| Average equity | $50,973,250 | 1,486 |
| Average total loans | $199,479,750 | 2,189 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6379% | 4,703 |
| Cost of funding earning assets | 0.2933% | 4,459 |
| Net interest margin | 3.3446% | 4,122 |
| Noninterest income to average assets | 0.4203% | 3,349 |
| Noninterest expense to average assets | 2.4595% | 3,744 |
| Loan and lease loss provision to assets | 0.0051% | 3,726 |
| Net operating income to assets | 0.9597% | 3,195 |
| Return on assets (ROA) | 0.9601% | 3,197 |
| Pretax return on assets | 1.1771% | 3,022 |
| Return on Equity (ROE) | 6.6425% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.6425% | 2,237 |
| Net charge-offs to loans | -0.0573% | 4,969 |
| Credit loss provision to net charge-offs | -15.7895% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5477% | 2,718 |
| Assets per employee ($millions) | 4.2960% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6197% | 1,061 |
| Loan loss allowance to noncurrent loans | 1,719.1710% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,753 |
| Noncurrent loans to loans | 0.0942% | 4,493 |
| Net loans and leases to total assets | 57.2081% | 4,067 |
| Net loans and leases to deposits | 67.4715% | 4,056 |
| Net loans and leases to core deposits | 71.8326% | 4,021 |
| Total domestic deposits to total assets | 84.7886% | 2,755 |
| Equity capital to assets | 14.5298% | 800 |
| Core capital (leverage) ratio | 15.2958% | 618 |
| Tier 1 risk-based capital ratio | 22.1679% | 1,017 |
| Total risk-based capital ratio | 23.4191% | 1,000 |
| Memoranda: |
| Average total assets | $351,204,000 | 1,936 |
| Average earning assets | $338,218,000 | 1,878 |
| Average equity | $50,764,330 | 1,495 |
| Average total loans | $198,817,670 | 2,200 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5708% | 4,761 |
| Cost of funding earning assets | 0.2867% | 4,442 |
| Net interest margin | 3.2841% | 4,230 |
| Noninterest income to average assets | 0.4278% | 3,261 |
| Noninterest expense to average assets | 2.4228% | 3,885 |
| Loan and lease loss provision to assets | 0.0023% | 3,491 |
| Net operating income to assets | 0.9684% | 2,992 |
| Return on assets (ROA) | 0.9684% | 3,019 |
| Pretax return on assets | 1.1646% | 2,907 |
| Return on Equity (ROE) | 6.7176% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.7176% | 2,403 |
| Net charge-offs to loans | -0.0266% | 4,686 |
| Credit loss provision to net charge-offs | -15.3846% | 3,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4929% | 2,919 |
| Assets per employee ($millions) | 4.3845% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6588% | 1,033 |
| Loan loss allowance to noncurrent loans | 2,998.1651% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 4,954 |
| Noncurrent loans to loans | 0.0553% | 4,732 |
| Net loans and leases to total assets | 55.2348% | 4,188 |
| Net loans and leases to deposits | 65.1074% | 4,145 |
| Net loans and leases to core deposits | 69.2596% | 4,126 |
| Total domestic deposits to total assets | 84.8365% | 2,996 |
| Equity capital to assets | 14.3900% | 800 |
| Core capital (leverage) ratio | 15.1553% | 626 |
| Tier 1 risk-based capital ratio | 21.6360% | 1,107 |
| Total risk-based capital ratio | 22.8868% | 1,078 |
| Memoranda: |
| Average total assets | $350,668,500 | 1,950 |
| Average earning assets | $337,628,000 | 1,885 |
| Average equity | $50,554,000 | 1,514 |
| Average total loans | $195,802,500 | 2,228 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3949% | 4,948 |
| Cost of funding earning assets | 0.2570% | 4,506 |
| Net interest margin | 3.1379% | 4,609 |
| Noninterest income to average assets | 0.3791% | 3,766 |
| Noninterest expense to average assets | 2.5506% | 3,606 |
| Loan and lease loss provision to assets | 0.0049% | 4,156 |
| Net operating income to assets | 0.7228% | 3,505 |
| Return on assets (ROA) | 0.7388% | 3,478 |
| Pretax return on assets | 0.8657% | 4,029 |
| Return on Equity (ROE) | 5.1168% | 4,116 |
| Retained earnings to average equity (ytd only) | 4.2664% | 2,602 |
| Net charge-offs to loans | 0.1129% | 1,933 |
| Credit loss provision to net charge-offs | 8.4577% | 3,674 |
| Earnings coverage of net charge-offs (x) | 14.5970% | 2,318 |
| Efficiency ratio | 74.9659% | 1,768 |
| Assets per employee ($millions) | 4.3823% | 3,363 |
| Cash dividends to net income (ytd only)* | 16.6208% | 3,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6711% | 994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.5796% | 4,307 |
| Net loans and leases to deposits | 64.3114% | 4,301 |
| Net loans and leases to core deposits | 68.8291% | 4,245 |
| Total domestic deposits to total assets | 84.8676% | 2,886 |
| Equity capital to assets | 14.4429% | 797 |
| Core capital (leverage) ratio | 14.9705% | 628 |
| Tier 1 risk-based capital ratio | 21.5073% | 1,068 |
| Total risk-based capital ratio | 22.7582% | 1,050 |
| Memoranda: |
| Average total assets | $344,466,000 | 1,943 |
| Average earning assets | $331,878,800 | 1,884 |
| Average equity | $49,738,000 | 1,523 |
| Average total loans | $178,086,000 | 2,354 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3464% | 5,042 |
| Cost of funding earning assets | 0.2510% | 4,556 |
| Net interest margin | 3.0955% | 4,726 |
| Noninterest income to average assets | 0.4125% | 3,606 |
| Noninterest expense to average assets | 2.5287% | 3,635 |
| Loan and lease loss provision to assets | 0.0027% | 4,057 |
| Net operating income to assets | 0.6153% | 4,332 |
| Return on assets (ROA) | 0.6178% | 4,366 |
| Pretax return on assets | 0.8674% | 4,147 |
| Return on Equity (ROE) | 4.2788% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.2788% | 3,355 |
| Net charge-offs to loans | 0.2729% | 789 |
| Credit loss provision to net charge-offs | 1.9663% | 3,261 |
| Earnings coverage of net charge-offs (x) | 6.2613% | 3,003 |
| Efficiency ratio | 74.4761% | 1,819 |
| Assets per employee ($millions) | 4.3431% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7658% | 909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 50.0679% | 4,696 |
| Net loans and leases to deposits | 59.3767% | 4,668 |
| Net loans and leases to core deposits | 63.4085% | 4,632 |
| Total domestic deposits to total assets | 84.3224% | 2,985 |
| Equity capital to assets | 14.8259% | 771 |
| Core capital (leverage) ratio | 14.9716% | 672 |
| Tier 1 risk-based capital ratio | 23.2884% | 921 |
| Total risk-based capital ratio | 24.5405% | 906 |
| Memoranda: |
| Average total assets | $342,937,500 | 1,963 |
| Average earning assets | $330,454,750 | 1,902 |
| Average equity | $49,514,000 | 1,543 |
| Average total loans | $173,958,250 | 2,402 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3347% | 5,052 |
| Cost of funding earning assets | 0.2416% | 4,623 |
| Net interest margin | 3.0932% | 4,706 |
| Noninterest income to average assets | 0.4089% | 3,632 |
| Noninterest expense to average assets | 2.5181% | 3,695 |
| Loan and lease loss provision to assets | 0.0017% | 3,857 |
| Net operating income to assets | 0.6231% | 4,197 |
| Return on assets (ROA) | 0.6265% | 4,226 |
| Pretax return on assets | 0.8738% | 4,018 |
| Return on Equity (ROE) | 4.3781% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.3781% | 3,098 |
| Net charge-offs to loans | 0.4100% | 496 |
| Credit loss provision to net charge-offs | 0.8427% | 2,900 |
| Earnings coverage of net charge-offs (x) | 4.1938% | 2,967 |
| Efficiency ratio | 74.3029% | 1,960 |
| Assets per employee ($millions) | 4.2651% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7522% | 979 |
| Loan loss allowance to noncurrent loans | 1,454.7170% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,957 |
| Noncurrent loans to loans | 0.1205% | 4,637 |
| Net loans and leases to total assets | 50.0537% | 4,708 |
| Net loans and leases to deposits | 59.1470% | 4,691 |
| Net loans and leases to core deposits | 63.4340% | 4,644 |
| Total domestic deposits to total assets | 84.6259% | 2,968 |
| Equity capital to assets | 14.5989% | 803 |
| Core capital (leverage) ratio | 14.9293% | 646 |
| Tier 1 risk-based capital ratio | 23.0017% | 953 |
| Total risk-based capital ratio | 24.2536% | 939 |
| Memoranda: |
| Average total assets | $342,880,670 | 1,964 |
| Average earning assets | $330,339,670 | 1,904 |
| Average equity | $49,062,330 | 1,555 |
| Average total loans | $173,652,670 | 2,410 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3010% | 5,097 |
| Cost of funding earning assets | 0.2381% | 4,653 |
| Net interest margin | 3.0628% | 4,759 |
| Noninterest income to average assets | 0.4099% | 3,588 |
| Noninterest expense to average assets | 2.4884% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6561% | 3,906 |
| Return on assets (ROA) | 0.6569% | 3,941 |
| Pretax return on assets | 0.8747% | 3,849 |
| Return on Equity (ROE) | 4.6387% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.6387% | 3,093 |
| Net charge-offs to loans | 0.0070% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 248.6667% | 233 |
| Efficiency ratio | 74.0160% | 2,231 |
| Assets per employee ($millions) | 4.2018% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9775% | 697 |
| Loan loss allowance to noncurrent loans | 57,233.3333% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 5,326 |
| Noncurrent loans to loans | 0.0035% | 5,259 |
| Net loans and leases to total assets | 49.4036% | 4,722 |
| Net loans and leases to deposits | 58.1021% | 4,690 |
| Net loans and leases to core deposits | 62.4606% | 4,620 |
| Total domestic deposits to total assets | 85.0289% | 3,077 |
| Equity capital to assets | 14.2464% | 836 |
| Core capital (leverage) ratio | 14.8767% | 630 |
| Tier 1 risk-based capital ratio | 22.8201% | 999 |
| Total risk-based capital ratio | 24.0739% | 979 |
| Memoranda: |
| Average total assets | $341,585,500 | 1,980 |
| Average earning assets | $329,236,000 | 1,913 |
| Average equity | $48,376,000 | 1,574 |
| Average total loans | $172,476,500 | 2,433 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3739% | 5,032 |
| Cost of funding earning assets | 0.2256% | 4,779 |
| Net interest margin | 3.1482% | 4,591 |
| Noninterest income to average assets | 0.5046% | 3,208 |
| Noninterest expense to average assets | 2.5091% | 3,977 |
| Loan and lease loss provision to assets | 0.0042% | 4,274 |
| Net operating income to assets | 0.9030% | 2,801 |
| Return on assets (ROA) | 0.9030% | 2,920 |
| Pretax return on assets | 1.0194% | 3,405 |
| Return on Equity (ROE) | 5.8730% | 4,043 |
| Retained earnings to average equity (ytd only) | -7.4880% | 5,743 |
| Net charge-offs to loans | 0.0577% | 2,892 |
| Credit loss provision to net charge-offs | 14.2857% | 3,713 |
| Earnings coverage of net charge-offs (x) | 35.0816% | 1,296 |
| Efficiency ratio | 71.0265% | 2,741 |
| Assets per employee ($millions) | 4.1804% | 3,648 |
| Cash dividends to net income (ytd only)* | 227.4975% | 71 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0128% | 641 |
| Loan loss allowance to noncurrent loans | 8,018.6047% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 5,306 |
| Noncurrent loans to loans | 0.0251% | 5,163 |
| Net loans and leases to total assets | 49.5706% | 4,795 |
| Net loans and leases to deposits | 58.0900% | 4,781 |
| Net loans and leases to core deposits | 61.6573% | 4,770 |
| Total domestic deposits to total assets | 85.3341% | 2,907 |
| Equity capital to assets | 14.0773% | 863 |
| Core capital (leverage) ratio | 14.6676% | 660 |
| Tier 1 risk-based capital ratio | 23.6006% | 904 |
| Total risk-based capital ratio | 24.8555% | 891 |
| Memoranda: |
| Average total assets | $335,896,200 | 1,970 |
| Average earning assets | $323,072,200 | 1,904 |
| Average equity | $51,642,800 | 1,480 |
| Average total loans | $169,745,400 | 2,419 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3847% | 5,058 |
| Cost of funding earning assets | 0.2225% | 4,862 |
| Net interest margin | 3.1622% | 4,598 |
| Noninterest income to average assets | 0.4856% | 3,345 |
| Noninterest expense to average assets | 2.4521% | 4,127 |
| Loan and lease loss provision to assets | 0.0028% | 4,161 |
| Net operating income to assets | 0.9351% | 2,724 |
| Return on assets (ROA) | 0.9351% | 2,851 |
| Pretax return on assets | 1.0715% | 3,348 |
| Return on Equity (ROE) | 5.9552% | 4,090 |
| Retained earnings to average equity (ytd only) | -8.4831% | 5,825 |
| Net charge-offs to loans | 0.0527% | 2,610 |
| Credit loss provision to net charge-offs | 10.4478% | 3,369 |
| Earnings coverage of net charge-offs (x) | 40.3139% | 1,237 |
| Efficiency ratio | 69.5353% | 2,962 |
| Assets per employee ($millions) | 4.2205% | 3,557 |
| Cash dividends to net income (ytd only)* | 242.4499% | 59 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0672% | 639 |
| Loan loss allowance to noncurrent loans | 1,897.2678% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 5,196 |
| Noncurrent loans to loans | 0.1090% | 4,905 |
| Net loans and leases to total assets | 48.1150% | 4,951 |
| Net loans and leases to deposits | 57.3202% | 4,915 |
| Net loans and leases to core deposits | 61.1454% | 4,882 |
| Total domestic deposits to total assets | 83.9408% | 3,226 |
| Equity capital to assets | 14.9678% | 747 |
| Core capital (leverage) ratio | 14.8796% | 657 |
| Tier 1 risk-based capital ratio | 25.1630% | 798 |
| Total risk-based capital ratio | 26.4191% | 780 |
| Memoranda: |
| Average total assets | $335,216,250 | 1,977 |
| Average earning assets | $322,342,750 | 1,915 |
| Average equity | $52,636,500 | 1,467 |
| Average total loans | $169,356,250 | 2,426 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4096% | 5,060 |
| Cost of funding earning assets | 0.2207% | 4,929 |
| Net interest margin | 3.1889% | 4,579 |
| Noninterest income to average assets | 0.4655% | 3,427 |
| Noninterest expense to average assets | 2.3970% | 4,341 |
| Loan and lease loss provision to assets | 0.0036% | 3,968 |
| Net operating income to assets | 1.0138% | 2,329 |
| Return on assets (ROA) | 1.0138% | 2,464 |
| Pretax return on assets | 1.1285% | 3,092 |
| Return on Equity (ROE) | 6.3547% | 3,869 |
| Retained earnings to average equity (ytd only) | -15.1038% | 5,933 |
| Net charge-offs to loans | 0.0789% | 2,068 |
| Credit loss provision to net charge-offs | 8.9552% | 3,002 |
| Earnings coverage of net charge-offs (x) | 28.1343% | 1,436 |
| Efficiency ratio | 67.9204% | 3,358 |
| Assets per employee ($millions) | 4.0902% | 3,753 |
| Cash dividends to net income (ytd only)* | 337.6777% | 44 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0022% | 732 |
| Loan loss allowance to noncurrent loans | 1,896.7213% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 5,305 |
| Noncurrent loans to loans | 0.1056% | 5,025 |
| Net loans and leases to total assets | 50.6537% | 4,800 |
| Net loans and leases to deposits | 60.3510% | 4,772 |
| Net loans and leases to core deposits | 64.5321% | 4,706 |
| Total domestic deposits to total assets | 83.9319% | 3,292 |
| Equity capital to assets | 15.1227% | 707 |
| Core capital (leverage) ratio | 14.8625% | 633 |
| Tier 1 risk-based capital ratio | 24.8592% | 822 |
| Total risk-based capital ratio | 26.1152% | 806 |
| Memoranda: |
| Average total assets | $333,001,670 | 2,002 |
| Average earning assets | $319,922,000 | 1,931 |
| Average equity | $53,125,670 | 1,453 |
| Average total loans | $169,822,330 | 2,418 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3957% | 5,142 |
| Cost of funding earning assets | 0.2174% | 5,033 |
| Net interest margin | 3.1782% | 4,647 |
| Noninterest income to average assets | 0.4424% | 3,537 |
| Noninterest expense to average assets | 2.3954% | 4,388 |
| Loan and lease loss provision to assets | 0.0012% | 3,652 |
| Net operating income to assets | 0.9994% | 2,283 |
| Return on assets (ROA) | 0.9994% | 2,400 |
| Pretax return on assets | 1.0946% | 3,114 |
| Return on Equity (ROE) | 6.1037% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.1037% | 2,330 |
| Net charge-offs to loans | 0.0167% | 2,604 |
| Credit loss provision to net charge-offs | 14.2857% | 2,335 |
| Earnings coverage of net charge-offs (x) | 129.8571% | 451 |
| Efficiency ratio | 68.6119% | 3,361 |
| Assets per employee ($millions) | 4.3287% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1051% | 680 |
| Loan loss allowance to noncurrent loans | 2,124.0964% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 5,327 |
| Noncurrent loans to loans | 0.0991% | 5,076 |
| Net loans and leases to total assets | 49.1959% | 4,874 |
| Net loans and leases to deposits | 59.7172% | 4,732 |
| Net loans and leases to core deposits | 64.1215% | 4,681 |
| Total domestic deposits to total assets | 82.3815% | 4,092 |
| Equity capital to assets | 16.5061% | 477 |
| Core capital (leverage) ratio | 16.4796% | 421 |
| Tier 1 risk-based capital ratio | 28.2261% | 594 |
| Total risk-based capital ratio | 29.4831% | 578 |
| Memoranda: |
| Average total assets | $331,804,000 | 2,012 |
| Average earning assets | $318,288,500 | 1,944 |
| Average equity | $54,328,000 | 1,422 |
| Average total loans | $168,052,500 | 2,424 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4493% | 5,044 |
| Cost of funding earning assets | 0.2056% | 5,232 |
| Net interest margin | 3.2436% | 4,493 |
| Noninterest income to average assets | 0.4960% | 3,358 |
| Noninterest expense to average assets | 2.6059% | 3,899 |
| Loan and lease loss provision to assets | -0.1046% | 5,860 |
| Net operating income to assets | 0.9397% | 2,665 |
| Return on assets (ROA) | 0.9397% | 2,739 |
| Pretax return on assets | 1.1037% | 3,038 |
| Return on Equity (ROE) | 5.7144% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.4772% | 3,582 |
| Net charge-offs to loans | -0.9945% | 6,129 |
| Credit loss provision to net charge-offs | 20.4230% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2856% | 2,856 |
| Assets per employee ($millions) | 4.4040% | 3,211 |
| Cash dividends to net income (ytd only)* | 39.1505% | 2,883 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0948% | 692 |
| Loan loss allowance to noncurrent loans | 8,213.9535% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 5,284 |
| Noncurrent loans to loans | 0.0255% | 5,412 |
| Net loans and leases to total assets | 49.9767% | 4,870 |
| Net loans and leases to deposits | 60.2586% | 4,758 |
| Net loans and leases to core deposits | 64.7866% | 4,686 |
| Total domestic deposits to total assets | 82.9370% | 3,852 |
| Equity capital to assets | 16.2398% | 494 |
| Core capital (leverage) ratio | 16.1985% | 442 |
| Tier 1 risk-based capital ratio | 27.5321% | 627 |
| Total risk-based capital ratio | 28.7889% | 615 |
| Memoranda: |
| Average total assets | $323,190,800 | 2,032 |
| Average earning assets | $309,774,600 | 1,960 |
| Average equity | $53,146,800 | 1,405 |
| Average total loans | $166,422,800 | 2,388 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4452% | 5,107 |
| Cost of funding earning assets | 0.2071% | 5,315 |
| Net interest margin | 3.2380% | 4,558 |
| Noninterest income to average assets | 0.5036% | 3,340 |
| Noninterest expense to average assets | 2.6092% | 3,846 |
| Loan and lease loss provision to assets | 0.1265% | 1,784 |
| Net operating income to assets | 0.8101% | 3,385 |
| Return on assets (ROA) | 0.8101% | 3,482 |
| Pretax return on assets | 0.8678% | 4,100 |
| Return on Equity (ROE) | 4.9109% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.9109% | 2,978 |
| Net charge-offs to loans | -0.2717% | 6,064 |
| Credit loss provision to net charge-offs | -90.2367% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4070% | 2,809 |
| Assets per employee ($millions) | 4.2122% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7163% | 1,439 |
| Loan loss allowance to noncurrent loans | 118.4418% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 2,861 |
| Noncurrent loans to loans | 1.4491% | 1,727 |
| Net loans and leases to total assets | 49.8131% | 4,948 |
| Net loans and leases to deposits | 60.4079% | 4,828 |
| Net loans and leases to core deposits | 64.0618% | 4,813 |
| Total domestic deposits to total assets | 82.4613% | 4,000 |
| Equity capital to assets | 16.5181% | 486 |
| Core capital (leverage) ratio | 16.4078% | 438 |
| Tier 1 risk-based capital ratio | 27.0423% | 682 |
| Total risk-based capital ratio | 28.2944% | 661 |
| Memoranda: |
| Average total assets | $321,413,500 | 2,051 |
| Average earning assets | $307,709,750 | 1,993 |
| Average equity | $53,023,500 | 1,416 |
| Average total loans | $165,877,250 | 2,414 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4455% | 5,123 |
| Cost of funding earning assets | 0.2121% | 5,328 |
| Net interest margin | 3.2334% | 4,552 |
| Noninterest income to average assets | 0.5097% | 3,311 |
| Noninterest expense to average assets | 2.5972% | 3,915 |
| Loan and lease loss provision to assets | 0.1912% | 1,043 |
| Net operating income to assets | 0.7648% | 3,563 |
| Return on assets (ROA) | 0.7648% | 3,667 |
| Pretax return on assets | 0.8175% | 4,266 |
| Return on Equity (ROE) | 4.6381% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.6381% | 3,087 |
| Net charge-offs to loans | 0.0374% | 2,933 |
| Credit loss provision to net charge-offs | 983.8710% | 371 |
| Earnings coverage of net charge-offs (x) | 51.9032% | 932 |
| Efficiency ratio | 72.0271% | 2,993 |
| Assets per employee ($millions) | 4.1922% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5037% | 2,278 |
| Loan loss allowance to noncurrent loans | 127.4450% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 2,877 |
| Noncurrent loans to loans | 1.1799% | 2,294 |
| Net loans and leases to total assets | 50.5070% | 4,881 |
| Net loans and leases to deposits | 61.2944% | 4,750 |
| Net loans and leases to core deposits | 64.8767% | 4,744 |
| Total domestic deposits to total assets | 82.4006% | 4,151 |
| Equity capital to assets | 16.4485% | 469 |
| Core capital (leverage) ratio | 16.4805% | 414 |
| Tier 1 risk-based capital ratio | 27.3753% | 680 |
| Total risk-based capital ratio | 28.6258% | 667 |
| Memoranda: |
| Average total assets | $319,035,330 | 2,082 |
| Average earning assets | $305,500,000 | 2,017 |
| Average equity | $52,608,000 | 1,437 |
| Average total loans | $165,663,670 | 2,422 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4632% | 5,057 |
| Cost of funding earning assets | 0.1986% | 5,525 |
| Net interest margin | 3.2645% | 4,369 |
| Noninterest income to average assets | 0.3595% | 4,328 |
| Noninterest expense to average assets | 2.5515% | 4,096 |
| Loan and lease loss provision to assets | 0.2510% | 657 |
| Net operating income to assets | 0.6495% | 4,048 |
| Return on assets (ROA) | 0.6495% | 4,169 |
| Pretax return on assets | 0.6874% | 4,625 |
| Return on Equity (ROE) | 3.9340% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.9340% | 3,637 |
| Net charge-offs to loans | -0.0290% | 5,228 |
| Credit loss provision to net charge-offs | -1,658.3333% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1117% | 2,975 |
| Assets per employee ($millions) | 4.0739% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4389% | 2,745 |
| Loan loss allowance to noncurrent loans | 1,355.3073% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 5,326 |
| Noncurrent loans to loans | 0.1062% | 5,379 |
| Net loans and leases to total assets | 51.6312% | 4,694 |
| Net loans and leases to deposits | 62.3267% | 4,544 |
| Net loans and leases to core deposits | 65.7366% | 4,544 |
| Total domestic deposits to total assets | 82.8397% | 4,221 |
| Equity capital to assets | 16.4335% | 492 |
| Core capital (leverage) ratio | 16.6240% | 399 |
| Tier 1 risk-based capital ratio | 19.7277% | 1,685 |
| Total risk-based capital ratio | 20.6308% | 1,720 |
| Memoranda: |
| Average total assets | $317,145,000 | 2,100 |
| Average earning assets | $304,116,000 | 2,025 |
| Average equity | $52,364,000 | 1,448 |
| Average total loans | $165,732,500 | 2,428 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5585% | 5,194 |
| Cost of funding earning assets | 0.1478% | 6,113 |
| Net interest margin | 3.4107% | 4,156 |
| Noninterest income to average assets | 0.5395% | 3,243 |
| Noninterest expense to average assets | 2.5130% | 4,501 |
| Loan and lease loss provision to assets | 0.8368% | 149 |
| Net operating income to assets | 0.3613% | 5,349 |
| Return on assets (ROA) | 0.3613% | 5,424 |
| Pretax return on assets | 0.4417% | 5,401 |
| Return on Equity (ROE) | 2.2333% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.5980% | 5,026 |
| Net charge-offs to loans | 1.7424% | 129 |
| Credit loss provision to net charge-offs | 92.9597% | 2,582 |
| Earnings coverage of net charge-offs (x) | 1.4203% | 4,420 |
| Efficiency ratio | 66.2786% | 4,202 |
| Assets per employee ($millions) | 3.8574% | 4,243 |
| Cash dividends to net income (ytd only)* | 28.4468% | 3,448 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3692% | 3,090 |
| Loan loss allowance to noncurrent loans | 1,327.3810% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 4,683 |
| Noncurrent loans to loans | 0.1032% | 5,483 |
| Net loans and leases to total assets | 51.4127% | 4,839 |
| Net loans and leases to deposits | 62.1455% | 4,715 |
| Net loans and leases to core deposits | 65.6102% | 4,697 |
| Total domestic deposits to total assets | 82.7296% | 4,172 |
| Equity capital to assets | 16.5909% | 469 |
| Core capital (leverage) ratio | 16.4369% | 423 |
| Tier 1 risk-based capital ratio | 26.7121% | 702 |
| Total risk-based capital ratio | 27.8615% | 698 |
| Memoranda: |
| Average total assets | $317,153,000 | 2,048 |
| Average earning assets | $302,400,000 | 1,984 |
| Average equity | $51,313,200 | 1,415 |
| Average total loans | $163,854,000 | 2,393 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5457% | 5,285 |
| Cost of funding earning assets | 0.1394% | 6,245 |
| Net interest margin | 3.4063% | 4,212 |
| Noninterest income to average assets | 0.5315% | 3,315 |
| Noninterest expense to average assets | 2.5512% | 4,358 |
| Loan and lease loss provision to assets | 0.8582% | 140 |
| Net operating income to assets | 0.2982% | 5,588 |
| Return on assets (ROA) | 0.2982% | 5,663 |
| Pretax return on assets | 0.3665% | 5,649 |
| Return on Equity (ROE) | 1.8548% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.8548% | 5,126 |
| Net charge-offs to loans | 2.3075% | 77 |
| Credit loss provision to net charge-offs | 72.1479% | 2,728 |
| Earnings coverage of net charge-offs (x) | 1.0296% | 4,253 |
| Efficiency ratio | 67.5652% | 3,928 |
| Assets per employee ($millions) | 3.9942% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9891% | 5,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 5,077 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 51.3794% | 4,861 |
| Net loans and leases to deposits | 61.7883% | 4,762 |
| Net loans and leases to core deposits | 65.2829% | 4,772 |
| Total domestic deposits to total assets | 83.1539% | 4,076 |
| Equity capital to assets | 16.1273% | 542 |
| Core capital (leverage) ratio | 16.2711% | 445 |
| Tier 1 risk-based capital ratio | 26.2861% | 761 |
| Total risk-based capital ratio | 27.1197% | 775 |
| Memoranda: |
| Average total assets | $318,329,250 | 2,055 |
| Average earning assets | $303,196,750 | 1,993 |
| Average equity | $51,182,000 | 1,424 |
| Average total loans | $164,100,500 | 2,401 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5667% | 5,246 |
| Cost of funding earning assets | 0.1337% | 6,341 |
| Net interest margin | 3.4330% | 4,049 |
| Noninterest income to average assets | 0.5341% | 3,243 |
| Noninterest expense to average assets | 2.4509% | 4,736 |
| Loan and lease loss provision to assets | 0.9417% | 116 |
| Net operating income to assets | 0.3485% | 5,410 |
| Return on assets (ROA) | 0.3485% | 5,480 |
| Pretax return on assets | 0.4045% | 5,548 |
| Return on Equity (ROE) | 2.1698% | 5,802 |
| Retained earnings to average equity (ytd only) | 2.1698% | 4,806 |
| Net charge-offs to loans | 0.3021% | 1,337 |
| Credit loss provision to net charge-offs | 606.0729% | 494 |
| Earnings coverage of net charge-offs (x) | 8.6640% | 2,462 |
| Efficiency ratio | 64.5461% | 4,605 |
| Assets per employee ($millions) | 4.2593% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3148% | 882 |
| Loan loss allowance to noncurrent loans | 78.7548% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.3506% | 1,248 |
| Noncurrent loans to loans | 2.9392% | 1,008 |
| Net loans and leases to total assets | 48.6287% | 5,121 |
| Net loans and leases to deposits | 58.6519% | 4,984 |
| Net loans and leases to core deposits | 62.3290% | 4,945 |
| Total domestic deposits to total assets | 82.9107% | 4,336 |
| Equity capital to assets | 16.1555% | 523 |
| Core capital (leverage) ratio | 16.3038% | 436 |
| Tier 1 risk-based capital ratio | 27.1397% | 695 |
| Total risk-based capital ratio | 28.3983% | 679 |
| Memoranda: |
| Average total assets | $317,928,000 | 2,056 |
| Average earning assets | $302,186,670 | 1,996 |
| Average equity | $51,065,330 | 1,423 |
| Average total loans | $163,529,330 | 2,411 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7014% | 4,847 |
| Cost of funding earning assets | 0.1343% | 6,428 |
| Net interest margin | 3.5671% | 3,404 |
| Noninterest income to average assets | 0.5032% | 3,386 |
| Noninterest expense to average assets | 2.3521% | 5,062 |
| Loan and lease loss provision to assets | 0.5574% | 241 |
| Net operating income to assets | 0.9812% | 2,283 |
| Return on assets (ROA) | 0.9812% | 2,339 |
| Pretax return on assets | 0.9774% | 3,417 |
| Return on Equity (ROE) | 6.1267% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.1267% | 2,467 |
| Net charge-offs to loans | 0.0844% | 2,304 |
| Credit loss provision to net charge-offs | 1,262.8571% | 256 |
| Earnings coverage of net charge-offs (x) | 34.7714% | 959 |
| Efficiency ratio | 60.5127% | 5,333 |
| Assets per employee ($millions) | 4.0772% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7247% | 2,273 |
| Loan loss allowance to noncurrent loans | 339.4737% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 2,757 |
| Noncurrent loans to loans | 0.5081% | 4,644 |
| Net loans and leases to total assets | 50.8482% | 4,812 |
| Net loans and leases to deposits | 61.1773% | 4,644 |
| Net loans and leases to core deposits | 64.6943% | 4,626 |
| Total domestic deposits to total assets | 83.1162% | 4,569 |
| Equity capital to assets | 16.1760% | 503 |
| Core capital (leverage) ratio | 16.4508% | 425 |
| Tier 1 risk-based capital ratio | 26.7382% | 727 |
| Total risk-based capital ratio | 27.9909% | 718 |
| Memoranda: |
| Average total assets | $317,169,500 | 2,064 |
| Average earning assets | $300,860,000 | 2,007 |
| Average equity | $50,794,000 | 1,425 |
| Average total loans | $165,782,500 | 2,386 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6840% | 5,180 |
| Cost of funding earning assets | 0.1632% | 6,482 |
| Net interest margin | 3.5209% | 3,803 |
| Noninterest income to average assets | 0.5532% | 3,382 |
| Noninterest expense to average assets | 2.1918% | 5,649 |
| Loan and lease loss provision to assets | 1.0616% | 165 |
| Net operating income to assets | 0.4619% | 4,902 |
| Return on assets (ROA) | 0.4619% | 5,032 |
| Pretax return on assets | 0.6484% | 4,707 |
| Return on Equity (ROE) | 2.9464% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.3548% | 4,568 |
| Net charge-offs to loans | 2.4387% | 122 |
| Credit loss provision to net charge-offs | 80.8392% | 3,028 |
| Earnings coverage of net charge-offs (x) | 1.3021% | 4,632 |
| Efficiency ratio | 56.1745% | 5,935 |
| Assets per employee ($millions) | 4.1080% | 3,629 |
| Cash dividends to net income (ytd only)* | 20.0795% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4555% | 3,398 |
| Loan loss allowance to noncurrent loans | 924.3346% | 545 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 3,199 |
| Noncurrent loans to loans | 0.1575% | 5,723 |
| Net loans and leases to total assets | 52.0324% | 4,843 |
| Net loans and leases to deposits | 62.3243% | 4,689 |
| Net loans and leases to core deposits | 66.2697% | 4,676 |
| Total domestic deposits to total assets | 83.4866% | 4,370 |
| Equity capital to assets | 15.8527% | 547 |
| Core capital (leverage) ratio | 15.9559% | 474 |
| Tier 1 risk-based capital ratio | 25.8303% | 783 |
| Total risk-based capital ratio | 27.0615% | 768 |
| Memoranda: |
| Average total assets | $326,671,200 | 1,972 |
| Average earning assets | $310,690,800 | 1,908 |
| Average equity | $51,214,600 | 1,388 |
| Average total loans | $175,913,800 | 2,240 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6482% | 5,303 |
| Cost of funding earning assets | 0.1697% | 6,554 |
| Net interest margin | 3.4785% | 3,974 |
| Noninterest income to average assets | 0.5232% | 3,645 |
| Noninterest expense to average assets | 2.1166% | 5,794 |
| Loan and lease loss provision to assets | 0.5317% | 504 |
| Net operating income to assets | 1.1116% | 1,964 |
| Return on assets (ROA) | 1.1116% | 2,031 |
| Pretax return on assets | 1.1865% | 2,758 |
| Return on Equity (ROE) | 7.1091% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.1091% | 1,824 |
| Net charge-offs to loans | 0.8061% | 726 |
| Credit loss provision to net charge-offs | 121.9127% | 1,932 |
| Earnings coverage of net charge-offs (x) | 3.9397% | 3,579 |
| Efficiency ratio | 55.1954% | 6,004 |
| Assets per employee ($millions) | 4.3508% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0056% | 1,703 |
| Loan loss allowance to noncurrent loans | 71.5106% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 2.5199% | 1,520 |
| Noncurrent loans to loans | 2.8046% | 1,487 |
| Net loans and leases to total assets | 52.9498% | 4,758 |
| Net loans and leases to deposits | 63.7860% | 4,543 |
| Net loans and leases to core deposits | 68.0452% | 4,521 |
| Total domestic deposits to total assets | 83.0117% | 4,569 |
| Equity capital to assets | 16.2460% | 509 |
| Core capital (leverage) ratio | 16.3163% | 450 |
| Tier 1 risk-based capital ratio | 26.4725% | 747 |
| Total risk-based capital ratio | 27.7285% | 733 |
| Memoranda: |
| Average total assets | $329,259,500 | 1,968 |
| Average earning assets | $313,458,500 | 1,908 |
| Average equity | $51,482,000 | 1,390 |
| Average total loans | $178,137,500 | 2,219 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6299% | 5,354 |
| Cost of funding earning assets | 0.1747% | 6,602 |
| Net interest margin | 3.4553% | 3,983 |
| Noninterest income to average assets | 0.5192% | 3,705 |
| Noninterest expense to average assets | 2.1068% | 5,856 |
| Loan and lease loss provision to assets | 0.5179% | 512 |
| Net operating income to assets | 1.1607% | 1,694 |
| Return on assets (ROA) | 1.1607% | 1,812 |
| Pretax return on assets | 1.1866% | 2,734 |
| Return on Equity (ROE) | 7.5184% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.5184% | 1,663 |
| Net charge-offs to loans | 0.0123% | 4,617 |
| Credit loss provision to net charge-offs | 7,809.0909% | 38 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 203 |
| Efficiency ratio | 55.2761% | 6,042 |
| Assets per employee ($millions) | 4.5008% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3012% | 1,262 |
| Loan loss allowance to noncurrent loans | 62.8891% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.6102% | 1,604 |
| Noncurrent loans to loans | 3.6591% | 1,118 |
| Net loans and leases to total assets | 52.9934% | 4,738 |
| Net loans and leases to deposits | 63.2443% | 4,594 |
| Net loans and leases to core deposits | 67.6836% | 4,533 |
| Total domestic deposits to total assets | 83.7916% | 4,415 |
| Equity capital to assets | 15.6478% | 592 |
| Core capital (leverage) ratio | 15.8529% | 483 |
| Tier 1 risk-based capital ratio | 26.2065% | 756 |
| Total risk-based capital ratio | 27.4666% | 738 |
| Memoranda: |
| Average total assets | $331,694,000 | 1,955 |
| Average earning assets | $316,037,670 | 1,897 |
| Average equity | $51,207,670 | 1,398 |
| Average total loans | $179,528,670 | 2,207 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6677% | 5,259 |
| Cost of funding earning assets | 0.1816% | 6,666 |
| Net interest margin | 3.4862% | 3,761 |
| Noninterest income to average assets | 0.5053% | 3,739 |
| Noninterest expense to average assets | 2.4017% | 5,115 |
| Loan and lease loss provision to assets | 0.5101% | 525 |
| Net operating income to assets | 1.0130% | 2,172 |
| Return on assets (ROA) | 1.0130% | 2,287 |
| Pretax return on assets | 0.9122% | 3,716 |
| Return on Equity (ROE) | 6.6059% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.6059% | 2,364 |
| Net charge-offs to loans | -0.0067% | 5,330 |
| Credit loss provision to net charge-offs | -14,166.6667% | 5,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8060% | 5,180 |
| Assets per employee ($millions) | 4.8403% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0515% | 1,916 |
| Loan loss allowance to noncurrent loans | 258.7904% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 4,010 |
| Noncurrent loans to loans | 0.7927% | 4,536 |
| Net loans and leases to total assets | 53.3829% | 4,502 |
| Net loans and leases to deposits | 63.7159% | 4,351 |
| Net loans and leases to core deposits | 68.6254% | 4,227 |
| Total domestic deposits to total assets | 83.7827% | 4,564 |
| Equity capital to assets | 15.6391% | 621 |
| Core capital (leverage) ratio | 15.3696% | 532 |
| Tier 1 risk-based capital ratio | 25.0658% | 880 |
| Total risk-based capital ratio | 26.3231% | 867 |
| Memoranda: |
| Average total assets | $333,262,000 | 1,971 |
| Average earning assets | $317,254,000 | 1,913 |
| Average equity | $51,105,500 | 1,421 |
| Average total loans | $180,185,500 | 2,214 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7082% | 6,031 |
| Cost of funding earning assets | 0.3813% | 6,046 |
| Net interest margin | 3.3269% | 5,150 |
| Noninterest income to average assets | 0.5375% | 3,662 |
| Noninterest expense to average assets | 2.0386% | 6,260 |
| Loan and lease loss provision to assets | 3.2741% | 30 |
| Net operating income to assets | -1.5725% | 6,874 |
| Return on assets (ROA) | -1.5725% | 6,889 |
| Pretax return on assets | -1.6153% | 6,874 |
| Return on Equity (ROE) | -9.8048% | 6,715 |
| Retained earnings to average equity (ytd only) | -9.8264% | 6,628 |
| Net charge-offs to loans | 5.9417% | 16 |
| Credit loss provision to net charge-offs | 99.1589% | 3,128 |
| Earnings coverage of net charge-offs (x) | 0.5024% | 5,235 |
| Efficiency ratio | 55.1365% | 6,150 |
| Assets per employee ($millions) | 4.6859% | 2,660 |
| Cash dividends to net income (ytd only)* | -0.2208% | 7,006 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7974% | 2,592 |
| Loan loss allowance to noncurrent loans | 270.8576% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 4,290 |
| Noncurrent loans to loans | 0.6636% | 4,869 |
| Net loans and leases to total assets | 52.6799% | 4,811 |
| Net loans and leases to deposits | 62.4493% | 4,732 |
| Net loans and leases to core deposits | 67.8570% | 4,552 |
| Total domestic deposits to total assets | 84.3562% | 4,151 |
| Equity capital to assets | 15.0382% | 725 |
| Core capital (leverage) ratio | 14.5819% | 655 |
| Tier 1 risk-based capital ratio | 24.4404% | 915 |
| Total risk-based capital ratio | 25.6949% | 896 |
| Memoranda: |
| Average total assets | $345,683,600 | 1,872 |
| Average earning assets | $328,326,600 | 1,804 |
| Average equity | $55,442,400 | 1,290 |
| Average total loans | $192,099,000 | 2,078 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6890% | 6,240 |
| Cost of funding earning assets | 0.4345% | 5,905 |
| Net interest margin | 3.2545% | 5,530 |
| Noninterest income to average assets | 0.5256% | 3,768 |
| Noninterest expense to average assets | 2.1516% | 6,062 |
| Loan and lease loss provision to assets | 0.8676% | 526 |
| Net operating income to assets | 0.3830% | 5,320 |
| Return on assets (ROA) | 0.3830% | 5,530 |
| Pretax return on assets | 0.5962% | 5,180 |
| Return on Equity (ROE) | 2.3525% | 5,928 |
| Retained earnings to average equity (ytd only) | 2.3525% | 5,157 |
| Net charge-offs to loans | 1.6147% | 519 |
| Credit loss provision to net charge-offs | 95.8898% | 3,113 |
| Earnings coverage of net charge-offs (x) | 1.6178% | 4,470 |
| Efficiency ratio | 59.5122% | 5,577 |
| Assets per employee ($millions) | 5.1192% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7137% | 3,102 |
| Loan loss allowance to noncurrent loans | 30.4352% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 3.7776% | 1,302 |
| Noncurrent loans to loans | 5.6306% | 754 |
| Net loans and leases to total assets | 53.5804% | 4,809 |
| Net loans and leases to deposits | 65.0159% | 4,591 |
| Net loans and leases to core deposits | 70.5153% | 4,433 |
| Total domestic deposits to total assets | 82.4112% | 4,870 |
| Equity capital to assets | 16.4767% | 531 |
| Core capital (leverage) ratio | 16.1685% | 459 |
| Tier 1 risk-based capital ratio | 26.5708% | 778 |
| Total risk-based capital ratio | 27.8241% | 761 |
| Memoranda: |
| Average total assets | $347,757,750 | 1,884 |
| Average earning assets | $330,162,250 | 1,815 |
| Average equity | $56,618,750 | 1,259 |
| Average total loans | $194,876,750 | 2,078 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7214% | 6,300 |
| Cost of funding earning assets | 0.4848% | 5,729 |
| Net interest margin | 3.2365% | 5,631 |
| Noninterest income to average assets | 0.5149% | 3,823 |
| Noninterest expense to average assets | 2.1844% | 6,052 |
| Loan and lease loss provision to assets | 0.8681% | 554 |
| Net operating income to assets | 0.3458% | 5,449 |
| Return on assets (ROA) | 0.3458% | 5,671 |
| Pretax return on assets | 0.5385% | 5,346 |
| Return on Equity (ROE) | 2.1322% | 6,001 |
| Retained earnings to average equity (ytd only) | 2.1322% | 5,126 |
| Net charge-offs to loans | 1.1303% | 955 |
| Credit loss provision to net charge-offs | 135.8236% | 2,027 |
| Earnings coverage of net charge-offs (x) | 2.2007% | 3,882 |
| Efficiency ratio | 60.8299% | 5,447 |
| Assets per employee ($millions) | 5.0211% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9249% | 2,460 |
| Loan loss allowance to noncurrent loans | 28.4683% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 4.1770% | 1,200 |
| Noncurrent loans to loans | 6.7614% | 594 |
| Net loans and leases to total assets | 54.3185% | 4,741 |
| Net loans and leases to deposits | 65.4068% | 4,585 |
| Net loans and leases to core deposits | 71.5162% | 4,351 |
| Total domestic deposits to total assets | 83.0472% | 4,737 |
| Equity capital to assets | 16.1829% | 545 |
| Core capital (leverage) ratio | 15.8608% | 478 |
| Tier 1 risk-based capital ratio | 25.7655% | 826 |
| Total risk-based capital ratio | 27.0213% | 810 |
| Memoranda: |
| Average total assets | $347,642,670 | 1,885 |
| Average earning assets | $330,417,330 | 1,820 |
| Average equity | $56,373,000 | 1,260 |
| Average total loans | $196,580,000 | 2,055 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7349% | 6,380 |
| Cost of funding earning assets | 0.5147% | 5,721 |
| Net interest margin | 3.2202% | 5,732 |
| Noninterest income to average assets | 0.5044% | 3,882 |
| Noninterest expense to average assets | 2.1242% | 6,221 |
| Loan and lease loss provision to assets | 0.8735% | 515 |
| Net operating income to assets | 0.2488% | 5,829 |
| Return on assets (ROA) | 0.2488% | 5,978 |
| Pretax return on assets | 0.5611% | 5,234 |
| Return on Equity (ROE) | 1.5324% | 6,215 |
| Retained earnings to average equity (ytd only) | 1.5324% | 5,473 |
| Net charge-offs to loans | 0.1215% | 3,382 |
| Credit loss provision to net charge-offs | 1,258.3333% | 274 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,182 |
| Efficiency ratio | 59.6879% | 5,671 |
| Assets per employee ($millions) | 5.1742% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0293% | 2,271 |
| Loan loss allowance to noncurrent loans | 89.2912% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.9750% | 2,939 |
| Noncurrent loans to loans | 2.2727% | 2,833 |
| Net loans and leases to total assets | 55.4892% | 4,471 |
| Net loans and leases to deposits | 66.7924% | 4,261 |
| Net loans and leases to core deposits | 72.6807% | 4,059 |
| Total domestic deposits to total assets | 83.0770% | 4,895 |
| Equity capital to assets | 15.9689% | 581 |
| Core capital (leverage) ratio | 16.0566% | 456 |
| Tier 1 risk-based capital ratio | 24.3353% | 972 |
| Total risk-based capital ratio | 25.5521% | 961 |
| Memoranda: |
| Average total assets | $345,726,500 | 1,902 |
| Average earning assets | $327,930,000 | 1,840 |
| Average equity | $56,120,000 | 1,266 |
| Average total loans | $197,538,500 | 2,056 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1558% | 6,174 |
| Cost of funding earning assets | 0.7166% | 5,423 |
| Net interest margin | 3.4392% | 5,369 |
| Noninterest income to average assets | 0.5616% | 3,420 |
| Noninterest expense to average assets | 2.1819% | 6,308 |
| Loan and lease loss provision to assets | 0.8511% | 1,139 |
| Net operating income to assets | 0.4752% | 4,524 |
| Return on assets (ROA) | 0.4752% | 4,731 |
| Pretax return on assets | 0.7623% | 4,108 |
| Return on Equity (ROE) | 2.8587% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.6460% | 4,348 |
| Net charge-offs to loans | 2.2153% | 575 |
| Credit loss provision to net charge-offs | 61.7087% | 5,125 |
| Earnings coverage of net charge-offs (x) | 1.1698% | 4,917 |
| Efficiency ratio | 57.4908% | 6,114 |
| Assets per employee ($millions) | 4.8515% | 2,378 |
| Cash dividends to net income (ytd only)* | 7.4380% | 3,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7105% | 3,162 |
| Loan loss allowance to noncurrent loans | 111.4105% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.7429% | 3,334 |
| Noncurrent loans to loans | 1.5353% | 3,850 |
| Net loans and leases to total assets | 56.6677% | 4,597 |
| Net loans and leases to deposits | 68.5333% | 4,360 |
| Net loans and leases to core deposits | 74.9614% | 4,108 |
| Total domestic deposits to total assets | 82.6864% | 4,888 |
| Equity capital to assets | 16.5056% | 513 |
| Core capital (leverage) ratio | 16.2193% | 439 |
| Tier 1 risk-based capital ratio | 24.4948% | 926 |
| Total risk-based capital ratio | 25.7478% | 913 |
| Memoranda: |
| Average total assets | $330,992,200 | 1,951 |
| Average earning assets | $311,202,400 | 1,893 |
| Average equity | $55,025,600 | 1,235 |
| Average total loans | $206,065,200 | 1,986 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1996% | 6,202 |
| Cost of funding earning assets | 0.7374% | 5,544 |
| Net interest margin | 3.4622% | 5,351 |
| Noninterest income to average assets | 0.5685% | 3,381 |
| Noninterest expense to average assets | 2.2183% | 6,233 |
| Loan and lease loss provision to assets | 0.8373% | 1,104 |
| Net operating income to assets | 0.5356% | 4,380 |
| Return on assets (ROA) | 0.5356% | 4,573 |
| Pretax return on assets | 0.7627% | 4,267 |
| Return on Equity (ROE) | 3.2159% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.2159% | 4,419 |
| Net charge-offs to loans | 2.1869% | 564 |
| Credit loss provision to net charge-offs | 60.3448% | 4,805 |
| Earnings coverage of net charge-offs (x) | 1.1531% | 4,756 |
| Efficiency ratio | 58.0971% | 5,991 |
| Assets per employee ($millions) | 4.8416% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8324% | 2,828 |
| Loan loss allowance to noncurrent loans | 92.9886% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 2.0442% | 3,086 |
| Noncurrent loans to loans | 1.9706% | 3,405 |
| Net loans and leases to total assets | 58.2865% | 4,458 |
| Net loans and leases to deposits | 71.6609% | 4,034 |
| Net loans and leases to core deposits | 78.3281% | 3,852 |
| Total domestic deposits to total assets | 81.3365% | 5,318 |
| Equity capital to assets | 16.2949% | 582 |
| Core capital (leverage) ratio | 16.3053% | 467 |
| Tier 1 risk-based capital ratio | 23.8268% | 1,034 |
| Total risk-based capital ratio | 25.0815% | 1,020 |
| Memoranda: |
| Average total assets | $328,838,750 | 1,972 |
| Average earning assets | $308,658,000 | 1,915 |
| Average equity | $54,768,500 | 1,239 |
| Average total loans | $208,632,500 | 1,993 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2579% | 6,137 |
| Cost of funding earning assets | 0.7480% | 5,683 |
| Net interest margin | 3.5099% | 5,114 |
| Noninterest income to average assets | 0.5712% | 3,324 |
| Noninterest expense to average assets | 2.1614% | 6,479 |
| Loan and lease loss provision to assets | 0.9331% | 951 |
| Net operating income to assets | 0.5255% | 4,395 |
| Return on assets (ROA) | 0.5255% | 4,538 |
| Pretax return on assets | 0.7627% | 4,169 |
| Return on Equity (ROE) | 3.1314% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.1314% | 4,283 |
| Net charge-offs to loans | 3.1350% | 315 |
| Credit loss provision to net charge-offs | 45.8713% | 4,680 |
| Earnings coverage of net charge-offs (x) | 0.8336% | 4,675 |
| Efficiency ratio | 56.0359% | 6,422 |
| Assets per employee ($millions) | 4.4798% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6039% | 3,679 |
| Loan loss allowance to noncurrent loans | 45.7482% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 3.2956% | 2,022 |
| Noncurrent loans to loans | 3.5059% | 2,014 |
| Net loans and leases to total assets | 61.3301% | 4,021 |
| Net loans and leases to deposits | 76.2790% | 3,414 |
| Net loans and leases to core deposits | 82.7628% | 3,394 |
| Total domestic deposits to total assets | 80.4023% | 5,708 |
| Equity capital to assets | 16.6578% | 521 |
| Core capital (leverage) ratio | 16.7620% | 425 |
| Tier 1 risk-based capital ratio | 23.4337% | 1,069 |
| Total risk-based capital ratio | 24.6861% | 1,053 |
| Memoranda: |
| Average total assets | $323,867,670 | 1,999 |
| Average earning assets | $303,202,330 | 1,953 |
| Average equity | $54,353,330 | 1,237 |
| Average total loans | $210,143,000 | 1,994 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3302% | 5,914 |
| Cost of funding earning assets | 0.7473% | 5,874 |
| Net interest margin | 3.5829% | 4,652 |
| Noninterest income to average assets | 0.5712% | 3,361 |
| Noninterest expense to average assets | 2.2509% | 6,303 |
| Loan and lease loss provision to assets | 0.9374% | 839 |
| Net operating income to assets | 0.5099% | 4,452 |
| Return on assets (ROA) | 0.5099% | 4,532 |
| Pretax return on assets | 0.7324% | 4,179 |
| Return on Equity (ROE) | 3.0267% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.0267% | 4,344 |
| Net charge-offs to loans | 4.7154% | 170 |
| Credit loss provision to net charge-offs | 30.0240% | 4,115 |
| Earnings coverage of net charge-offs (x) | 0.5348% | 4,220 |
| Efficiency ratio | 57.4115% | 6,337 |
| Assets per employee ($millions) | 4.3339% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5898% | 3,775 |
| Loan loss allowance to noncurrent loans | 31.8835% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 4.4711% | 1,454 |
| Noncurrent loans to loans | 4.9862% | 1,349 |
| Net loans and leases to total assets | 64.6607% | 3,317 |
| Net loans and leases to deposits | 80.2069% | 2,681 |
| Net loans and leases to core deposits | 87.0852% | 2,722 |
| Total domestic deposits to total assets | 80.6174% | 5,783 |
| Equity capital to assets | 16.8766% | 455 |
| Core capital (leverage) ratio | 17.0497% | 394 |
| Tier 1 risk-based capital ratio | 22.8344% | 1,107 |
| Total risk-based capital ratio | 24.0866% | 1,089 |
| Memoranda: |
| Average total assets | $320,050,000 | 2,035 |
| Average earning assets | $299,201,500 | 1,993 |
| Average equity | $53,919,500 | 1,239 |
| Average total loans | $211,902,000 | 1,997 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5346% | 6,302 |
| Cost of funding earning assets | 1.0049% | 5,662 |
| Net interest margin | 3.5297% | 5,113 |
| Noninterest income to average assets | 0.6363% | 3,239 |
| Noninterest expense to average assets | 2.1620% | 6,710 |
| Loan and lease loss provision to assets | 1.0655% | 1,506 |
| Net operating income to assets | 0.5040% | 4,081 |
| Return on assets (ROA) | 0.5040% | 4,242 |
| Pretax return on assets | 0.7129% | 3,928 |
| Return on Equity (ROE) | 3.1751% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.7912% | 3,903 |
| Net charge-offs to loans | 1.9100% | 1,076 |
| Credit loss provision to net charge-offs | 83.0215% | 5,444 |
| Earnings coverage of net charge-offs (x) | 1.3856% | 4,726 |
| Efficiency ratio | 54.8675% | 6,730 |
| Assets per employee ($millions) | 4.3753% | 3,076 |
| Cash dividends to net income (ytd only)* | 12.0905% | 3,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3920% | 1,552 |
| Loan loss allowance to noncurrent loans | 49.6977% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 4.4484% | 1,498 |
| Noncurrent loans to loans | 4.8131% | 1,428 |
| Net loans and leases to total assets | 65.1191% | 3,642 |
| Net loans and leases to deposits | 81.0351% | 2,983 |
| Net loans and leases to core deposits | 87.5455% | 3,113 |
| Total domestic deposits to total assets | 80.3591% | 5,731 |
| Equity capital to assets | 16.8177% | 473 |
| Core capital (leverage) ratio | 16.8723% | 409 |
| Tier 1 risk-based capital ratio | 22.4777% | 1,109 |
| Total risk-based capital ratio | 23.7385% | 1,093 |
| Memoranda: |
| Average total assets | $333,162,000 | 1,952 |
| Average earning assets | $311,867,200 | 1,908 |
| Average equity | $52,881,000 | 1,267 |
| Average total loans | $223,875,000 | 1,944 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5866% | 6,372 |
| Cost of funding earning assets | 1.0904% | 5,484 |
| Net interest margin | 3.4962% | 5,308 |
| Noninterest income to average assets | 0.6393% | 3,195 |
| Noninterest expense to average assets | 2.0839% | 6,878 |
| Loan and lease loss provision to assets | 1.2873% | 1,085 |
| Net operating income to assets | 0.1327% | 5,682 |
| Return on assets (ROA) | 0.1327% | 5,849 |
| Pretax return on assets | 0.5423% | 4,787 |
| Return on Equity (ROE) | 0.8480% | 5,931 |
| Retained earnings to average equity (ytd only) | 0.8480% | 5,462 |
| Net charge-offs to loans | 0.4719% | 3,390 |
| Credit loss provision to net charge-offs | 405.2369% | 741 |
| Earnings coverage of net charge-offs (x) | 5.7593% | 2,682 |
| Efficiency ratio | 53.2490% | 6,862 |
| Assets per employee ($millions) | 4.3108% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7409% | 456 |
| Loan loss allowance to noncurrent loans | 63.8342% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 5.1906% | 1,211 |
| Noncurrent loans to loans | 5.8604% | 1,093 |
| Net loans and leases to total assets | 66.7169% | 3,523 |
| Net loans and leases to deposits | 83.3441% | 2,822 |
| Net loans and leases to core deposits | 89.0362% | 3,229 |
| Total domestic deposits to total assets | 80.0500% | 5,689 |
| Equity capital to assets | 16.6826% | 559 |
| Core capital (leverage) ratio | 16.0126% | 562 |
| Tier 1 risk-based capital ratio | 21.6864% | 1,258 |
| Total risk-based capital ratio | 22.9629% | 1,229 |
| Memoranda: |
| Average total assets | $336,603,750 | 1,965 |
| Average earning assets | $315,229,000 | 1,912 |
| Average equity | $52,672,500 | 1,272 |
| Average total loans | $226,572,750 | 1,950 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5690% | 6,540 |
| Cost of funding earning assets | 1.1922% | 5,170 |
| Net interest margin | 3.3768% | 5,731 |
| Noninterest income to average assets | 0.6383% | 3,073 |
| Noninterest expense to average assets | 2.0323% | 7,045 |
| Loan and lease loss provision to assets | 1.3724% | 983 |
| Net operating income to assets | 0.0765% | 5,933 |
| Return on assets (ROA) | 0.0765% | 6,033 |
| Pretax return on assets | 0.3994% | 5,226 |
| Return on Equity (ROE) | 0.4991% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.4991% | 5,563 |
| Net charge-offs to loans | 0.7741% | 2,309 |
| Credit loss provision to net charge-offs | 265.8371% | 1,427 |
| Earnings coverage of net charge-offs (x) | 3.4321% | 3,326 |
| Efficiency ratio | 53.4234% | 6,942 |
| Assets per employee ($millions) | 4.4996% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2827% | 651 |
| Loan loss allowance to noncurrent loans | 92.6529% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 3.1970% | 2,217 |
| Noncurrent loans to loans | 3.5430% | 2,230 |
| Net loans and leases to total assets | 64.4972% | 4,161 |
| Net loans and leases to deposits | 79.7553% | 3,640 |
| Net loans and leases to core deposits | 87.7663% | 3,579 |
| Total domestic deposits to total assets | 80.8689% | 5,445 |
| Equity capital to assets | 15.8777% | 691 |
| Core capital (leverage) ratio | 15.3621% | 657 |
| Tier 1 risk-based capital ratio | 21.5299% | 1,265 |
| Total risk-based capital ratio | 22.7648% | 1,247 |
| Memoranda: |
| Average total assets | $342,472,670 | 1,947 |
| Average earning assets | $321,076,000 | 1,888 |
| Average equity | $52,491,000 | 1,268 |
| Average total loans | $228,398,330 | 1,951 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5847% | 6,596 |
| Cost of funding earning assets | 1.2884% | 4,883 |
| Net interest margin | 3.2963% | 5,986 |
| Noninterest income to average assets | 0.6140% | 3,176 |
| Noninterest expense to average assets | 2.0459% | 7,070 |
| Loan and lease loss provision to assets | 1.5552% | 747 |
| Net operating income to assets | -0.0910% | 6,425 |
| Return on assets (ROA) | -0.0910% | 6,499 |
| Pretax return on assets | 0.1106% | 6,104 |
| Return on Equity (ROE) | -0.6042% | 6,479 |
| Retained earnings to average equity (ytd only) | -0.6042% | 5,974 |
| Net charge-offs to loans | 0.0829% | 4,597 |
| Credit loss provision to net charge-offs | 2,812.5000% | 180 |
| Earnings coverage of net charge-offs (x) | 30.1250% | 867 |
| Efficiency ratio | 55.1210% | 6,873 |
| Assets per employee ($millions) | 4.7665% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1036% | 754 |
| Loan loss allowance to noncurrent loans | 168.3999% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 2.0143% | 3,485 |
| Noncurrent loans to loans | 1.8430% | 4,003 |
| Net loans and leases to total assets | 63.9298% | 4,348 |
| Net loans and leases to deposits | 79.3503% | 3,774 |
| Net loans and leases to core deposits | 86.6403% | 3,806 |
| Total domestic deposits to total assets | 80.5666% | 5,597 |
| Equity capital to assets | 15.0314% | 877 |
| Core capital (leverage) ratio | 15.1492% | 721 |
| Tier 1 risk-based capital ratio | 20.6126% | 1,405 |
| Total risk-based capital ratio | 21.8387% | 1,383 |
| Memoranda: |
| Average total assets | $347,223,500 | 1,969 |
| Average earning assets | $326,305,000 | 1,915 |
| Average equity | $52,302,500 | 1,283 |
| Average total loans | $231,574,500 | 1,986 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1194% | 6,001 |
| Cost of funding earning assets | 1.6941% | 4,546 |
| Net interest margin | 3.4253% | 5,268 |
| Noninterest income to average assets | 0.6783% | 3,093 |
| Noninterest expense to average assets | 2.2719% | 6,820 |
| Loan and lease loss provision to assets | 1.6134% | 1,416 |
| Net operating income to assets | 0.0943% | 5,228 |
| Return on assets (ROA) | 0.0943% | 5,266 |
| Pretax return on assets | 0.0170% | 5,400 |
| Return on Equity (ROE) | 0.6017% | 5,357 |
| Retained earnings to average equity (ytd only) | -0.9635% | 5,246 |
| Net charge-offs to loans | 1.5755% | 1,600 |
| Credit loss provision to net charge-offs | 142.6715% | 3,380 |
| Earnings coverage of net charge-offs (x) | 1.4418% | 4,684 |
| Efficiency ratio | 58.2197% | 6,732 |
| Assets per employee ($millions) | 4.3859% | 3,140 |
| Cash dividends to net income (ytd only)* | 260.1246% | 133 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4930% | 1,234 |
| Loan loss allowance to noncurrent loans | 1,617.5000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 5,435 |
| Noncurrent loans to loans | 0.1541% | 7,043 |
| Net loans and leases to total assets | 65.7314% | 4,226 |
| Net loans and leases to deposits | 81.6588% | 3,671 |
| Net loans and leases to core deposits | 120.6556% | 1,905 |
| Total domestic deposits to total assets | 80.4952% | 5,518 |
| Equity capital to assets | 15.0949% | 888 |
| Core capital (leverage) ratio | 15.1079% | 755 |
| Tier 1 risk-based capital ratio | 20.2141% | 1,425 |
| Total risk-based capital ratio | 21.4306% | 1,390 |
| Memoranda: |
| Average total assets | $340,282,600 | 2,000 |
| Average earning assets | $320,294,000 | 1,946 |
| Average equity | $53,349,800 | 1,238 |
| Average total loans | $244,244,000 | 1,926 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2556% | 5,657 |
| Cost of funding earning assets | 1.7692% | 4,531 |
| Net interest margin | 3.4865% | 4,918 |
| Noninterest income to average assets | 0.6688% | 3,225 |
| Noninterest expense to average assets | 2.3456% | 6,571 |
| Loan and lease loss provision to assets | 1.4288% | 1,342 |
| Net operating income to assets | 0.3078% | 4,765 |
| Return on assets (ROA) | 0.3078% | 4,873 |
| Pretax return on assets | 0.1763% | 5,348 |
| Return on Equity (ROE) | 1.9448% | 5,184 |
| Retained earnings to average equity (ytd only) | 1.4847% | 4,484 |
| Net charge-offs to loans | 2.2042% | 875 |
| Credit loss provision to net charge-offs | 88.9270% | 5,511 |
| Earnings coverage of net charge-offs (x) | 0.9990% | 5,053 |
| Efficiency ratio | 59.3703% | 6,503 |
| Assets per employee ($millions) | 4.3287% | 3,153 |
| Cash dividends to net income (ytd only)* | 23.6573% | 3,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5685% | 3,125 |
| Loan loss allowance to noncurrent loans | 77.0614% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 2.6971% | 2,582 |
| Noncurrent loans to loans | 2.0354% | 3,589 |
| Net loans and leases to total assets | 67.5762% | 4,054 |
| Net loans and leases to deposits | 85.4308% | 3,427 |
| Net loans and leases to core deposits | 123.7254% | 1,930 |
| Total domestic deposits to total assets | 79.1005% | 5,766 |
| Equity capital to assets | 15.4703% | 893 |
| Core capital (leverage) ratio | 15.4636% | 768 |
| Tier 1 risk-based capital ratio | 20.2535% | 1,508 |
| Total risk-based capital ratio | 21.4610% | 1,473 |
| Memoranda: |
| Average total assets | $338,731,000 | 2,026 |
| Average earning assets | $318,862,000 | 1,974 |
| Average equity | $53,611,750 | 1,249 |
| Average total loans | $246,911,250 | 1,937 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3830% | 5,233 |
| Cost of funding earning assets | 1.8171% | 4,673 |
| Net interest margin | 3.5660% | 4,517 |
| Noninterest income to average assets | 0.6692% | 3,199 |
| Noninterest expense to average assets | 2.3955% | 6,474 |
| Loan and lease loss provision to assets | 1.0291% | 1,647 |
| Net operating income to assets | 0.8281% | 2,742 |
| Return on assets (ROA) | 0.8281% | 2,839 |
| Pretax return on assets | 0.6032% | 4,315 |
| Return on Equity (ROE) | 5.1916% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.1916% | 2,400 |
| Net charge-offs to loans | 1.9867% | 934 |
| Credit loss provision to net charge-offs | 69.6738% | 5,422 |
| Earnings coverage of net charge-offs (x) | 1.1051% | 4,688 |
| Efficiency ratio | 59.4742% | 6,625 |
| Assets per employee ($millions) | 4.2609% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3996% | 3,725 |
| Loan loss allowance to noncurrent loans | 71.7906% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 2.1589% | 2,986 |
| Noncurrent loans to loans | 1.9496% | 3,596 |
| Net loans and leases to total assets | 69.9718% | 3,712 |
| Net loans and leases to deposits | 91.6476% | 2,537 |
| Net loans and leases to core deposits | 128.5201% | 1,678 |
| Total domestic deposits to total assets | 76.3487% | 6,479 |
| Equity capital to assets | 15.7260% | 879 |
| Core capital (leverage) ratio | 15.9846% | 741 |
| Tier 1 risk-based capital ratio | 20.0324% | 1,576 |
| Total risk-based capital ratio | 21.2827% | 1,537 |
| Memoranda: |
| Average total assets | $336,209,670 | 2,063 |
| Average earning assets | $316,660,670 | 2,012 |
| Average equity | $53,624,670 | 1,258 |
| Average total loans | $249,967,670 | 1,945 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6316% | 4,167 |
| Cost of funding earning assets | 1.8464% | 4,894 |
| Net interest margin | 3.7852% | 3,513 |
| Noninterest income to average assets | 0.6342% | 3,318 |
| Noninterest expense to average assets | 2.5067% | 5,814 |
| Loan and lease loss provision to assets | 1.0008% | 1,302 |
| Net operating income to assets | 0.7427% | 3,378 |
| Return on assets (ROA) | 0.7427% | 3,560 |
| Pretax return on assets | 0.6861% | 4,481 |
| Return on Equity (ROE) | 4.6230% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.6230% | 3,348 |
| Net charge-offs to loans | 0.0824% | 4,344 |
| Credit loss provision to net charge-offs | 1,596.1538% | 394 |
| Earnings coverage of net charge-offs (x) | 26.9038% | 1,158 |
| Efficiency ratio | 59.7757% | 6,436 |
| Assets per employee ($millions) | 4.0604% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9632% | 1,494 |
| Loan loss allowance to noncurrent loans | 83.5974% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.0763% | 2,778 |
| Noncurrent loans to loans | 2.3484% | 2,805 |
| Net loans and leases to total assets | 74.3763% | 2,657 |
| Net loans and leases to deposits | 98.6012% | 1,583 |
| Net loans and leases to core deposits | 132.6401% | 1,493 |
| Total domestic deposits to total assets | 75.4314% | 6,615 |
| Equity capital to assets | 16.0980% | 858 |
| Core capital (leverage) ratio | 16.2610% | 747 |
| Tier 1 risk-based capital ratio | 19.1163% | 1,787 |
| Total risk-based capital ratio | 20.3218% | 1,760 |
| Memoranda: |
| Average total assets | $331,747,000 | 2,101 |
| Average earning assets | $311,952,000 | 2,052 |
| Average equity | $53,299,000 | 1,270 |
| Average total loans | $252,489,000 | 1,949 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6406% | 2,288 |
| Cost of funding earning assets | 2.2141% | 5,538 |
| Net interest margin | 4.4265% | 1,606 |
| Noninterest income to average assets | 0.7088% | 3,062 |
| Noninterest expense to average assets | 2.3929% | 6,420 |
| Loan and lease loss provision to assets | 0.8775% | 1,697 |
| Net operating income to assets | 0.9334% | 2,860 |
| Return on assets (ROA) | 0.9334% | 2,714 |
| Pretax return on assets | 1.5888% | 1,416 |
| Return on Equity (ROE) | 5.7429% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.0454% | 2,001 |
| Net charge-offs to loans | 0.6917% | 1,773 |
| Credit loss provision to net charge-offs | 156.3717% | 3,330 |
| Earnings coverage of net charge-offs (x) | 4.3951% | 3,997 |
| Efficiency ratio | 49.2449% | 7,715 |
| Assets per employee ($millions) | 3.8888% | 3,763 |
| Cash dividends to net income (ytd only)* | 12.1445% | 4,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6566% | 2,037 |
| Loan loss allowance to noncurrent loans | 135.0452% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2298% | 3,762 |
| Noncurrent loans to loans | 1.2267% | 4,060 |
| Net loans and leases to total assets | 75.0890% | 2,862 |
| Net loans and leases to deposits | 98.0102% | 2,126 |
| Net loans and leases to core deposits | 130.0180% | 1,853 |
| Total domestic deposits to total assets | 76.6135% | 6,092 |
| Equity capital to assets | 16.0341% | 924 |
| Core capital (leverage) ratio | 15.9627% | 833 |
| Tier 1 risk-based capital ratio | 18.8856% | 1,840 |
| Total risk-based capital ratio | 20.0739% | 1,802 |
| Memoranda: |
| Average total assets | $320,241,600 | 2,085 |
| Average earning assets | $300,259,200 | 2,037 |
| Average equity | $52,047,000 | 1,296 |
| Average total loans | $259,812,200 | 1,835 |
