| 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 | 5.3169% | 1,467 |
| Cost of funding earning assets | 0.9128% | 3,489 |
| Net interest margin | 4.4041% | 703 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.1530% | 3,245 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 2.1151% | 390 |
| Return on assets (ROA) | 2.0670% | 411 |
| Pretax return on assets | 2.0670% | 611 |
| Return on Equity (ROE) | 27.4100% | 237 |
| Retained earnings to average equity (ytd only) | 14.1333% | 391 |
| Net charge-offs to loans | 0.0390% | 1,530 |
| Credit loss provision to net charge-offs | 880.1047% | 454 |
| Earnings coverage of net charge-offs (x) | 91.2356% | 949 |
| Efficiency ratio | 47.9090% | 4,094 |
| Assets per employee ($millions) | 10.2265% | 656 |
| Cash dividends to net income (ytd only)* | 48.4435% | 1,708 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1279% | 2,677 |
| Loan loss allowance to noncurrent loans | 2,823.7668% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,501 |
| Noncurrent loans to loans | 0.0399% | 3,435 |
| Net loans and leases to total assets | 67.4700% | 2,093 |
| Net loans and leases to deposits | 73.1607% | 2,683 |
| Net loans and leases to core deposits | 83.3393% | 2,504 |
| Total domestic deposits to total assets | 92.2200% | 274 |
| Equity capital to assets | 7.4847% | 3,724 |
| Core capital (leverage) ratio | 9.0870% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $744,406,200 | 1,251 |
| Average earning assets | $689,765,200 | 1,254 |
| Average equity | $56,129,800 | 1,467 |
| Average total loans | $489,891,000 | 1,250 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0520% | 1,729 |
| Cost of funding earning assets | 0.7267% | 3,703 |
| Net interest margin | 4.3253% | 781 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0700% | 3,421 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 2.1633% | 394 |
| Return on assets (ROA) | 2.0973% | 430 |
| Pretax return on assets | 2.0973% | 660 |
| Return on Equity (ROE) | 27.7600% | 281 |
| Retained earnings to average equity (ytd only) | 15.6388% | 494 |
| Net charge-offs to loans | 0.0798% | 923 |
| Credit loss provision to net charge-offs | 373.4982% | 754 |
| Earnings coverage of net charge-offs (x) | 45.3569% | 1,367 |
| Efficiency ratio | 46.7541% | 4,098 |
| Assets per employee ($millions) | 10.1050% | 641 |
| Cash dividends to net income (ytd only)* | 43.6602% | 1,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0420% | 3,142 |
| Loan loss allowance to noncurrent loans | 1,055.3672% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,172 |
| Noncurrent loans to loans | 0.0987% | 3,085 |
| Net loans and leases to total assets | 65.8400% | 2,256 |
| Net loans and leases to deposits | 70.7685% | 2,793 |
| Net loans and leases to core deposits | 79.1515% | 2,662 |
| Total domestic deposits to total assets | 93.0300% | 292 |
| Equity capital to assets | 6.6331% | 3,783 |
| Core capital (leverage) ratio | 9.4994% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $725,977,750 | 1,270 |
| Average earning assets | $671,348,500 | 1,272 |
| Average equity | $54,853,750 | 1,479 |
| Average total loans | $472,794,250 | 1,288 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9745% | 1,604 |
| Cost of funding earning assets | 0.5728% | 3,825 |
| Net interest margin | 4.4017% | 708 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.0160% | 3,553 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 2.1893% | 362 |
| Return on assets (ROA) | 2.1907% | 353 |
| Pretax return on assets | 2.1907% | 544 |
| Return on Equity (ROE) | 27.6900% | 274 |
| Retained earnings to average equity (ytd only) | 8.4141% | 1,845 |
| Net charge-offs to loans | 0.1255% | 584 |
| Credit loss provision to net charge-offs | 258.6572% | 939 |
| Earnings coverage of net charge-offs (x) | 29.6042% | 1,556 |
| Efficiency ratio | 45.6644% | 4,178 |
| Assets per employee ($millions) | 9.5284% | 772 |
| Cash dividends to net income (ytd only)* | 69.6118% | 766 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0986% | 2,961 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,584 |
| Noncurrent loans to loans | 0.0343% | 3,494 |
| Net loans and leases to total assets | 65.6400% | 2,192 |
| Net loans and leases to deposits | 73.7842% | 2,518 |
| Net loans and leases to core deposits | 78.0489% | 2,609 |
| Total domestic deposits to total assets | 88.9600% | 1,272 |
| Equity capital to assets | 7.6075% | 3,461 |
| Core capital (leverage) ratio | 9.9609% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $698,503,333 | 1,301 |
| Average earning assets | $643,802,000 | 1,308 |
| Average equity | $55,264,333 | 1,475 |
| Average total loans | $451,118,667 | 1,319 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8228% | 1,575 |
| Cost of funding earning assets | 0.4170% | 3,919 |
| Net interest margin | 4.4058% | 680 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.9969% | 3,631 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 2.2553% | 342 |
| Return on assets (ROA) | 2.2570% | 340 |
| Pretax return on assets | 2.2570% | 524 |
| Return on Equity (ROE) | 27.9600% | 291 |
| Retained earnings to average equity (ytd only) | 15.7177% | 716 |
| Net charge-offs to loans | 0.3712% | 214 |
| Credit loss provision to net charge-offs | 106.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 10.6123% | 1,655 |
| Efficiency ratio | 44.3336% | 4,291 |
| Assets per employee ($millions) | 9.0480% | 915 |
| Cash dividends to net income (ytd only)* | 43.7839% | 1,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1245% | 2,938 |
| Loan loss allowance to noncurrent loans | 4,224.3478% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 2,812 |
| Noncurrent loans to loans | 0.0266% | 3,579 |
| Net loans and leases to total assets | 62.1200% | 2,453 |
| Net loans and leases to deposits | 67.9206% | 2,772 |
| Net loans and leases to core deposits | 71.7557% | 2,838 |
| Total domestic deposits to total assets | 91.4600% | 656 |
| Equity capital to assets | 8.3402% | 3,012 |
| Core capital (leverage) ratio | 10.2225% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $685,676,500 | 1,336 |
| Average earning assets | $631,172,500 | 1,340 |
| Average equity | $55,351,500 | 1,480 |
| Average total loans | $436,381,000 | 1,362 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3803% | 918 |
| Cost of funding earning assets | 0.2022% | 3,744 |
| Net interest margin | 4.1782% | 567 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.2242% | 2,961 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 2.0628% | 263 |
| Return on assets (ROA) | 2.0881% | 243 |
| Pretax return on assets | 2.0881% | 387 |
| Return on Equity (ROE) | 24.6200% | 225 |
| Retained earnings to average equity (ytd only) | 10.4352% | 1,025 |
| Net charge-offs to loans | 0.0333% | 1,408 |
| Credit loss provision to net charge-offs | 853.7815% | 478 |
| Earnings coverage of net charge-offs (x) | 109.5462% | 926 |
| Efficiency ratio | 49.8538% | 4,136 |
| Assets per employee ($millions) | 8.7655% | 991 |
| Cash dividends to net income (ytd only)* | 57.6149% | 1,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9997% | 3,392 |
| Loan loss allowance to noncurrent loans | 481.5301% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 2,062 |
| Noncurrent loans to loans | 0.2076% | 2,456 |
| Net loans and leases to total assets | 63.8200% | 2,261 |
| Net loans and leases to deposits | 70.2236% | 2,566 |
| Net loans and leases to core deposits | 73.4491% | 2,611 |
| Total domestic deposits to total assets | 90.8800% | 999 |
| Equity capital to assets | 7.8033% | 3,184 |
| Core capital (leverage) ratio | 10.4936% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $582,690,400 | 1,532 |
| Average earning assets | $537,220,800 | 1,533 |
| Average equity | $49,419,400 | 1,635 |
| Average total loans | $357,363,800 | 1,525 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2160% | 860 |
| Cost of funding earning assets | 0.1444% | 3,899 |
| Net interest margin | 4.0716% | 544 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.2282% | 2,850 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 2.0606% | 264 |
| Return on assets (ROA) | 2.0957% | 248 |
| Pretax return on assets | 2.0957% | 385 |
| Return on Equity (ROE) | 24.1200% | 216 |
| Retained earnings to average equity (ytd only) | 10.6529% | 1,152 |
| Net charge-offs to loans | 0.0475% | 1,007 |
| Credit loss provision to net charge-offs | 415.8333% | 688 |
| Earnings coverage of net charge-offs (x) | 75.9500% | 1,068 |
| Efficiency ratio | 50.5480% | 4,124 |
| Assets per employee ($millions) | 8.1827% | 1,226 |
| Cash dividends to net income (ytd only)* | 55.8320% | 986 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0648% | 3,174 |
| Loan loss allowance to noncurrent loans | 458.4906% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 2,293 |
| Noncurrent loans to loans | 0.2322% | 2,459 |
| Net loans and leases to total assets | 58.8600% | 2,614 |
| Net loans and leases to deposits | 64.3298% | 2,843 |
| Net loans and leases to core deposits | 67.5601% | 2,838 |
| Total domestic deposits to total assets | 91.5000% | 1,049 |
| Equity capital to assets | 8.2109% | 2,749 |
| Core capital (leverage) ratio | 10.7885% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $557,436,250 | 1,601 |
| Average earning assets | $514,471,500 | 1,608 |
| Average equity | $48,436,250 | 1,680 |
| Average total loans | $336,517,750 | 1,583 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9980% | 940 |
| Cost of funding earning assets | 0.1000% | 4,191 |
| Net interest margin | 3.8980% | 606 |
| Noninterest income to average assets | 0.6880% | 1,394 |
| Noninterest expense to average assets | 2.2006% | 2,856 |
| Loan and lease loss provision to assets | 0.1247% | 784 |
| Net operating income to assets | 1.9823% | 238 |
| Return on assets (ROA) | 2.0365% | 218 |
| Pretax return on assets | 2.0365% | 350 |
| Return on Equity (ROE) | 22.9572% | 164 |
| Retained earnings to average equity (ytd only) | 8.9820% | 1,294 |
| Net charge-offs to loans | -0.0459% | 4,208 |
| Credit loss provision to net charge-offs | -448.0000% | 3,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0860% | 4,184 |
| Assets per employee ($millions) | 7.9698% | 1,323 |
| Cash dividends to net income (ytd only)* | 60.8751% | 1,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1832% | 2,777 |
| Loan loss allowance to noncurrent loans | 388.5035% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 2,570 |
| Noncurrent loans to loans | 0.3046% | 2,239 |
| Net loans and leases to total assets | 52.6618% | 3,094 |
| Net loans and leases to deposits | 57.9922% | 3,228 |
| Net loans and leases to core deposits | 59.8049% | 3,282 |
| Total domestic deposits to total assets | 90.8085% | 1,335 |
| Equity capital to assets | 8.9959% | 2,388 |
| Core capital (leverage) ratio | 11.1695% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $538,679,667 | 1,659 |
| Average earning assets | $500,205,000 | 1,661 |
| Average equity | $47,784,667 | 1,741 |
| Average total loans | $326,975,667 | 1,607 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0962% | 647 |
| Cost of funding earning assets | 0.0855% | 4,297 |
| Net interest margin | 4.0106% | 407 |
| Noninterest income to average assets | 0.8021% | 1,040 |
| Noninterest expense to average assets | 2.3645% | 2,286 |
| Loan and lease loss provision to assets | 0.1327% | 614 |
| Net operating income to assets | 2.0773% | 195 |
| Return on assets (ROA) | 2.1931% | 164 |
| Pretax return on assets | 2.1931% | 257 |
| Return on Equity (ROE) | 24.9431% | 99 |
| Retained earnings to average equity (ytd only) | 8.5919% | 1,400 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6884% | 4,214 |
| Assets per employee ($millions) | 6.4045% | 2,449 |
| Cash dividends to net income (ytd only)* | 65.5539% | 932 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1246% | 3,219 |
| Loan loss allowance to noncurrent loans | 869.9764% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,219 |
| Noncurrent loans to loans | 0.1293% | 3,167 |
| Net loans and leases to total assets | 65.6060% | 1,454 |
| Net loans and leases to deposits | 71.6173% | 1,814 |
| Net loans and leases to core deposits | 74.3625% | 1,911 |
| Total domestic deposits to total assets | 91.6064% | 748 |
| Equity capital to assets | 8.2186% | 3,386 |
| Core capital (leverage) ratio | 9.3195% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $497,195,500 | 1,742 |
| Average earning assets | $467,657,500 | 1,735 |
| Average equity | $43,715,500 | 1,930 |
| Average total loans | $324,818,000 | 1,600 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1191% | 1,126 |
| Cost of funding earning assets | 0.0879% | 4,478 |
| Net interest margin | 4.0312% | 664 |
| Noninterest income to average assets | 0.9844% | 1,032 |
| Noninterest expense to average assets | 2.3109% | 2,764 |
| Loan and lease loss provision to assets | 0.1374% | 882 |
| Net operating income to assets | 2.3161% | 203 |
| Return on assets (ROA) | 2.3478% | 199 |
| Pretax return on assets | 2.3478% | 319 |
| Return on Equity (ROE) | 25.3504% | 117 |
| Retained earnings to average equity (ytd only) | 9.6367% | 1,006 |
| Net charge-offs to loans | 0.2019% | 474 |
| Credit loss provision to net charge-offs | 109.2504% | 1,709 |
| Earnings coverage of net charge-offs (x) | 19.5024% | 1,875 |
| Efficiency ratio | 48.5028% | 4,375 |
| Assets per employee ($millions) | 6.4262% | 2,391 |
| Cash dividends to net income (ytd only)* | 61.9862% | 1,020 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0902% | 3,395 |
| Loan loss allowance to noncurrent loans | 643.7729% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 3,166 |
| Noncurrent loans to loans | 0.1693% | 3,100 |
| Net loans and leases to total assets | 63.6231% | 1,749 |
| Net loans and leases to deposits | 71.2465% | 1,985 |
| Net loans and leases to core deposits | 73.9287% | 2,080 |
| Total domestic deposits to total assets | 89.3000% | 1,352 |
| Equity capital to assets | 9.3569% | 3,266 |
| Core capital (leverage) ratio | 8.9661% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6658% | 1,989 |
| Memoranda: |
| Average total assets | $498,378,600 | 1,702 |
| Average earning assets | $467,332,400 | 1,693 |
| Average equity | $46,157,000 | 1,886 |
| Average total loans | $310,552,400 | 1,664 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1468% | 1,191 |
| Cost of funding earning assets | 0.0885% | 4,585 |
| Net interest margin | 4.0583% | 703 |
| Noninterest income to average assets | 1.0173% | 1,042 |
| Noninterest expense to average assets | 2.2381% | 2,934 |
| Loan and lease loss provision to assets | 0.1288% | 907 |
| Net operating income to assets | 2.4455% | 231 |
| Return on assets (ROA) | 2.4876% | 219 |
| Pretax return on assets | 2.4876% | 341 |
| Return on Equity (ROE) | 26.9293% | 128 |
| Retained earnings to average equity (ytd only) | 11.5171% | 943 |
| Net charge-offs to loans | 0.2718% | 303 |
| Credit loss provision to net charge-offs | 76.7145% | 1,728 |
| Earnings coverage of net charge-offs (x) | 15.3254% | 1,866 |
| Efficiency ratio | 46.5067% | 4,472 |
| Assets per employee ($millions) | 6.6819% | 2,114 |
| Cash dividends to net income (ytd only)* | 57.2321% | 928 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0684% | 3,586 |
| Loan loss allowance to noncurrent loans | 380.1378% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 2,976 |
| Noncurrent loans to loans | 0.2810% | 2,792 |
| Net loans and leases to total assets | 60.3760% | 2,206 |
| Net loans and leases to deposits | 66.7322% | 2,565 |
| Net loans and leases to core deposits | 69.1059% | 2,672 |
| Total domestic deposits to total assets | 90.4750% | 574 |
| Equity capital to assets | 9.2394% | 3,612 |
| Core capital (leverage) ratio | 9.1719% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $497,662,250 | 1,719 |
| Average earning assets | $465,410,500 | 1,712 |
| Average equity | $45,971,000 | 1,913 |
| Average total loans | $307,585,000 | 1,698 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2512% | 1,088 |
| Cost of funding earning assets | 0.0905% | 4,636 |
| Net interest margin | 4.1607% | 627 |
| Noninterest income to average assets | 1.0322% | 1,022 |
| Noninterest expense to average assets | 2.2182% | 3,020 |
| Loan and lease loss provision to assets | 0.1137% | 1,108 |
| Net operating income to assets | 2.5868% | 198 |
| Return on assets (ROA) | 2.6111% | 203 |
| Pretax return on assets | 2.6111% | 301 |
| Return on Equity (ROE) | 28.2687% | 121 |
| Retained earnings to average equity (ytd only) | 12.5726% | 798 |
| Net charge-offs to loans | 0.1812% | 465 |
| Credit loss provision to net charge-offs | 101.0791% | 1,354 |
| Earnings coverage of net charge-offs (x) | 24.0072% | 1,447 |
| Efficiency ratio | 45.0971% | 4,564 |
| Assets per employee ($millions) | 6.1852% | 2,439 |
| Cash dividends to net income (ytd only)* | 55.5246% | 1,065 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1001% | 3,415 |
| Loan loss allowance to noncurrent loans | 569.2434% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 3,405 |
| Noncurrent loans to loans | 0.1933% | 3,263 |
| Net loans and leases to total assets | 63.6767% | 1,982 |
| Net loans and leases to deposits | 71.2283% | 2,276 |
| Net loans and leases to core deposits | 73.2069% | 2,496 |
| Total domestic deposits to total assets | 89.3980% | 1,084 |
| Equity capital to assets | 9.5525% | 3,290 |
| Core capital (leverage) ratio | 8.8655% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4820% | 2,172 |
| Memoranda: |
| Average total assets | $494,275,333 | 1,726 |
| Average earning assets | $461,704,000 | 1,717 |
| Average equity | $45,654,667 | 1,908 |
| Average total loans | $306,808,667 | 1,710 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2816% | 1,072 |
| Cost of funding earning assets | 0.0921% | 4,692 |
| Net interest margin | 4.1895% | 614 |
| Noninterest income to average assets | 1.1716% | 888 |
| Noninterest expense to average assets | 2.1404% | 3,300 |
| Loan and lease loss provision to assets | 0.1135% | 1,219 |
| Net operating income to assets | 2.8325% | 176 |
| Return on assets (ROA) | 2.8799% | 193 |
| Pretax return on assets | 2.8799% | 271 |
| Return on Equity (ROE) | 31.7122% | 114 |
| Retained earnings to average equity (ytd only) | 15.8162% | 539 |
| Net charge-offs to loans | 0.1809% | 440 |
| Credit loss provision to net charge-offs | 102.9197% | 1,097 |
| Earnings coverage of net charge-offs (x) | 26.7226% | 1,139 |
| Efficiency ratio | 42.0819% | 4,667 |
| Assets per employee ($millions) | 6.5252% | 2,159 |
| Cash dividends to net income (ytd only)* | 50.1257% | 1,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1155% | 3,353 |
| Loan loss allowance to noncurrent loans | 505.9942% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 3,484 |
| Noncurrent loans to loans | 0.2205% | 3,313 |
| Net loans and leases to total assets | 61.8661% | 2,300 |
| Net loans and leases to deposits | 68.2399% | 2,676 |
| Net loans and leases to core deposits | 70.1468% | 2,850 |
| Total domestic deposits to total assets | 90.6597% | 518 |
| Equity capital to assets | 9.0953% | 3,600 |
| Core capital (leverage) ratio | 8.7680% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7178% | 1,998 |
| Memoranda: |
| Average total assets | $497,096,000 | 1,707 |
| Average earning assets | $464,498,500 | 1,701 |
| Average equity | $45,143,500 | 1,918 |
| Average total loans | $302,909,500 | 1,730 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2206% | 2,078 |
| Cost of funding earning assets | 0.1245% | 4,803 |
| Net interest margin | 4.0961% | 788 |
| Noninterest income to average assets | 0.9447% | 1,162 |
| Noninterest expense to average assets | 2.4348% | 3,035 |
| Loan and lease loss provision to assets | 0.1956% | 1,996 |
| Net operating income to assets | 2.1896% | 187 |
| Return on assets (ROA) | 2.2659% | 183 |
| Pretax return on assets | 2.2659% | 268 |
| Return on Equity (ROE) | 25.1291% | 107 |
| Retained earnings to average equity (ytd only) | 9.0467% | 762 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5150% | 4,498 |
| Assets per employee ($millions) | 6.7335% | 1,757 |
| Cash dividends to net income (ytd only)* | 63.9993% | 1,187 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1768% | 3,072 |
| Loan loss allowance to noncurrent loans | 502.6012% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 3,599 |
| Noncurrent loans to loans | 0.2341% | 3,360 |
| Net loans and leases to total assets | 58.6173% | 3,022 |
| Net loans and leases to deposits | 64.6793% | 3,389 |
| Net loans and leases to core deposits | 66.2813% | 3,520 |
| Total domestic deposits to total assets | 90.6277% | 325 |
| Equity capital to assets | 9.0677% | 3,998 |
| Core capital (leverage) ratio | 8.4147% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6151% | 2,007 |
| Memoranda: |
| Average total assets | $475,392,800 | 1,626 |
| Average earning assets | $449,773,200 | 1,598 |
| Average equity | $42,866,600 | 1,913 |
| Average total loans | $265,871,000 | 1,850 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3102% | 2,066 |
| Cost of funding earning assets | 0.1342% | 4,847 |
| Net interest margin | 4.1760% | 770 |
| Noninterest income to average assets | 0.8860% | 1,269 |
| Noninterest expense to average assets | 2.2097% | 3,657 |
| Loan and lease loss provision to assets | 0.1874% | 2,110 |
| Net operating income to assets | 2.4453% | 154 |
| Return on assets (ROA) | 2.5294% | 144 |
| Pretax return on assets | 2.5294% | 200 |
| Return on Equity (ROE) | 28.0925% | 77 |
| Retained earnings to average equity (ytd only) | 13.2612% | 306 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6325% | 4,734 |
| Assets per employee ($millions) | 6.2780% | 2,020 |
| Cash dividends to net income (ytd only)* | 52.7946% | 1,370 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0986% | 3,221 |
| Loan loss allowance to noncurrent loans | 720.8989% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 3,969 |
| Noncurrent loans to loans | 0.1524% | 3,775 |
| Net loans and leases to total assets | 59.7437% | 3,253 |
| Net loans and leases to deposits | 67.0432% | 3,544 |
| Net loans and leases to core deposits | 68.6010% | 3,725 |
| Total domestic deposits to total assets | 89.1122% | 724 |
| Equity capital to assets | 9.4519% | 3,722 |
| Core capital (leverage) ratio | 8.6661% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8647% | 1,871 |
| Memoranda: |
| Average total assets | $469,672,000 | 1,621 |
| Average earning assets | $444,978,250 | 1,594 |
| Average equity | $42,287,750 | 1,919 |
| Average total loans | $258,450,250 | 1,871 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4534% | 2,066 |
| Cost of funding earning assets | 0.1498% | 4,879 |
| Net interest margin | 4.3036% | 748 |
| Noninterest income to average assets | 0.8355% | 1,328 |
| Noninterest expense to average assets | 2.2395% | 3,685 |
| Loan and lease loss provision to assets | 0.1677% | 2,329 |
| Net operating income to assets | 2.5049% | 140 |
| Return on assets (ROA) | 2.6322% | 124 |
| Pretax return on assets | 2.6322% | 173 |
| Return on Equity (ROE) | 29.7473% | 61 |
| Retained earnings to average equity (ytd only) | 16.6888% | 149 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5922% | 4,748 |
| Assets per employee ($millions) | 6.2742% | 1,974 |
| Cash dividends to net income (ytd only)* | 43.8981% | 1,784 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0656% | 3,253 |
| Loan loss allowance to noncurrent loans | 1,016.6090% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 4,230 |
| Noncurrent loans to loans | 0.1048% | 4,032 |
| Net loans and leases to total assets | 56.4609% | 3,648 |
| Net loans and leases to deposits | 62.4355% | 3,977 |
| Net loans and leases to core deposits | 63.8260% | 4,086 |
| Total domestic deposits to total assets | 90.4308% | 291 |
| Equity capital to assets | 9.2390% | 3,887 |
| Core capital (leverage) ratio | 8.3937% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0590% | 1,786 |
| Memoranda: |
| Average total assets | $465,094,333 | 1,608 |
| Average earning assets | $440,560,667 | 1,576 |
| Average equity | $41,153,333 | 1,954 |
| Average total loans | $247,263,000 | 1,922 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2457% | 3,080 |
| Cost of funding earning assets | 0.1941% | 4,905 |
| Net interest margin | 4.0515% | 1,248 |
| Noninterest income to average assets | 0.8946% | 1,077 |
| Noninterest expense to average assets | 2.2759% | 3,825 |
| Loan and lease loss provision to assets | 0.1052% | 2,370 |
| Net operating income to assets | 2.3390% | 143 |
| Return on assets (ROA) | 2.3496% | 157 |
| Pretax return on assets | 2.3496% | 220 |
| Return on Equity (ROE) | 27.1893% | 47 |
| Retained earnings to average equity (ytd only) | 13.5490% | 283 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2163% | 4,747 |
| Assets per employee ($millions) | 6.0080% | 1,676 |
| Cash dividends to net income (ytd only)* | 50.1680% | 1,623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1051% | 3,181 |
| Loan loss allowance to noncurrent loans | 594.2094% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,135 |
| Noncurrent loans to loans | 0.1860% | 3,805 |
| Net loans and leases to total assets | 51.6092% | 4,143 |
| Net loans and leases to deposits | 56.9437% | 4,328 |
| Net loans and leases to core deposits | 57.7208% | 4,444 |
| Total domestic deposits to total assets | 90.6320% | 162 |
| Equity capital to assets | 9.0001% | 4,599 |
| Core capital (leverage) ratio | 8.6717% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8262% | 1,966 |
| Memoranda: |
| Average total assets | $456,085,000 | 1,584 |
| Average earning assets | $430,650,000 | 1,552 |
| Average equity | $39,412,500 | 2,006 |
| Average total loans | $233,040,500 | 1,972 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1657% | 3,895 |
| Cost of funding earning assets | 0.2008% | 4,964 |
| Net interest margin | 3.9649% | 1,960 |
| Noninterest income to average assets | 0.8042% | 1,442 |
| Noninterest expense to average assets | 2.2819% | 3,989 |
| Loan and lease loss provision to assets | 0.2014% | 1,011 |
| Net operating income to assets | 2.0610% | 300 |
| Return on assets (ROA) | 2.0589% | 316 |
| Pretax return on assets | 2.0589% | 524 |
| Return on Equity (ROE) | 25.3808% | 69 |
| Retained earnings to average equity (ytd only) | 9.4459% | 601 |
| Net charge-offs to loans | 0.0641% | 2,179 |
| Credit loss provision to net charge-offs | 631.6176% | 493 |
| Earnings coverage of net charge-offs (x) | 70.9485% | 879 |
| Efficiency ratio | 50.2141% | 4,720 |
| Assets per employee ($millions) | 5.9151% | 1,697 |
| Cash dividends to net income (ytd only)* | 62.7833% | 1,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1342% | 2,769 |
| Loan loss allowance to noncurrent loans | 327.9279% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 3,786 |
| Noncurrent loans to loans | 0.3459% | 3,207 |
| Net loans and leases to total assets | 49.4073% | 4,352 |
| Net loans and leases to deposits | 54.8055% | 4,504 |
| Net loans and leases to core deposits | 55.6795% | 4,596 |
| Total domestic deposits to total assets | 90.1502% | 274 |
| Equity capital to assets | 8.2725% | 4,987 |
| Core capital (leverage) ratio | 8.2653% | 4,957 |
| Tier 1 risk-based capital ratio | 14.5082% | 3,013 |
| Total risk-based capital ratio | 15.5455% | 3,037 |
| Memoranda: |
| Average total assets | $426,485,600 | 1,644 |
| Average earning assets | $402,307,600 | 1,614 |
| Average equity | $34,597,000 | 2,163 |
| Average total loans | $212,084,400 | 2,071 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1822% | 3,957 |
| Cost of funding earning assets | 0.2072% | 5,023 |
| Net interest margin | 3.9750% | 2,037 |
| Noninterest income to average assets | 0.8439% | 1,296 |
| Noninterest expense to average assets | 2.2339% | 4,110 |
| Loan and lease loss provision to assets | 0.1860% | 968 |
| Net operating income to assets | 2.1746% | 282 |
| Return on assets (ROA) | 2.1689% | 301 |
| Pretax return on assets | 2.1689% | 478 |
| Return on Equity (ROE) | 26.8789% | 65 |
| Retained earnings to average equity (ytd only) | 14.4409% | 184 |
| Net charge-offs to loans | 0.0874% | 1,599 |
| Credit loss provision to net charge-offs | 428.4672% | 719 |
| Earnings coverage of net charge-offs (x) | 54.3729% | 1,130 |
| Efficiency ratio | 48.6205% | 4,816 |
| Assets per employee ($millions) | 5.8051% | 1,760 |
| Cash dividends to net income (ytd only)* | 46.2741% | 1,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0808% | 3,128 |
| Loan loss allowance to noncurrent loans | 512.5000% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 4,202 |
| Noncurrent loans to loans | 0.2109% | 3,783 |
| Net loans and leases to total assets | 47.8510% | 4,515 |
| Net loans and leases to deposits | 52.5432% | 4,686 |
| Net loans and leases to core deposits | 53.3748% | 4,763 |
| Total domestic deposits to total assets | 91.0697% | 94 |
| Equity capital to assets | 8.4128% | 5,028 |
| Core capital (leverage) ratio | 8.4221% | 4,977 |
| Tier 1 risk-based capital ratio | 15.1327% | 2,792 |
| Total risk-based capital ratio | 16.0925% | 2,854 |
| Memoranda: |
| Average total assets | $420,719,250 | 1,676 |
| Average earning assets | $396,972,000 | 1,649 |
| Average equity | $33,949,000 | 2,211 |
| Average total loans | $208,940,750 | 2,111 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1941% | 3,945 |
| Cost of funding earning assets | 0.2295% | 5,014 |
| Net interest margin | 3.9645% | 2,041 |
| Noninterest income to average assets | 0.9210% | 1,035 |
| Noninterest expense to average assets | 2.2429% | 4,140 |
| Loan and lease loss provision to assets | 0.1830% | 972 |
| Net operating income to assets | 2.2264% | 249 |
| Return on assets (ROA) | 2.2177% | 265 |
| Pretax return on assets | 2.2177% | 426 |
| Return on Equity (ROE) | 27.9129% | 55 |
| Retained earnings to average equity (ytd only) | 15.0075% | 169 |
| Net charge-offs to loans | 0.1211% | 1,225 |
| Credit loss provision to net charge-offs | 301.6000% | 893 |
| Earnings coverage of net charge-offs (x) | 39.7040% | 1,250 |
| Efficiency ratio | 48.2104% | 4,891 |
| Assets per employee ($millions) | 5.6154% | 1,858 |
| Cash dividends to net income (ytd only)* | 46.2347% | 1,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9844% | 3,714 |
| Loan loss allowance to noncurrent loans | 413.9265% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,121 |
| Noncurrent loans to loans | 0.2378% | 3,687 |
| Net loans and leases to total assets | 52.5074% | 4,321 |
| Net loans and leases to deposits | 57.8475% | 4,522 |
| Net loans and leases to core deposits | 58.7831% | 4,615 |
| Total domestic deposits to total assets | 90.7686% | 138 |
| Equity capital to assets | 8.7028% | 4,954 |
| Core capital (leverage) ratio | 8.8223% | 4,772 |
| Tier 1 risk-based capital ratio | 14.7662% | 2,932 |
| Total risk-based capital ratio | 15.6541% | 3,034 |
| Memoranda: |
| Average total assets | $411,960,330 | 1,711 |
| Average earning assets | $387,738,330 | 1,690 |
| Average equity | $32,730,330 | 2,260 |
| Average total loans | $206,511,330 | 2,142 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0958% | 4,133 |
| Cost of funding earning assets | 0.2467% | 4,988 |
| Net interest margin | 3.8491% | 2,349 |
| Noninterest income to average assets | 0.7100% | 1,579 |
| Noninterest expense to average assets | 2.2016% | 4,255 |
| Loan and lease loss provision to assets | 0.1453% | 1,170 |
| Net operating income to assets | 1.9904% | 391 |
| Return on assets (ROA) | 1.9740% | 422 |
| Pretax return on assets | 1.9740% | 670 |
| Return on Equity (ROE) | 26.0797% | 90 |
| Retained earnings to average equity (ytd only) | 12.5792% | 529 |
| Net charge-offs to loans | 0.1452% | 888 |
| Credit loss provision to net charge-offs | 205.4795% | 1,035 |
| Earnings coverage of net charge-offs (x) | 30.2055% | 1,329 |
| Efficiency ratio | 50.7593% | 4,774 |
| Assets per employee ($millions) | 5.7141% | 1,786 |
| Cash dividends to net income (ytd only)* | 51.7664% | 1,577 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9247% | 4,052 |
| Loan loss allowance to noncurrent loans | 161.6639% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 3,412 |
| Noncurrent loans to loans | 0.5720% | 2,618 |
| Net loans and leases to total assets | 51.6147% | 4,364 |
| Net loans and leases to deposits | 56.3641% | 4,583 |
| Net loans and leases to core deposits | 57.1767% | 4,670 |
| Total domestic deposits to total assets | 91.5737% | 91 |
| Equity capital to assets | 7.9129% | 5,202 |
| Core capital (leverage) ratio | 8.4736% | 5,026 |
| Tier 1 risk-based capital ratio | 14.6916% | 3,009 |
| Total risk-based capital ratio | 15.5386% | 3,127 |
| Memoranda: |
| Average total assets | $412,977,000 | 1,723 |
| Average earning assets | $389,183,500 | 1,689 |
| Average equity | $31,258,000 | 2,343 |
| Average total loans | $201,076,000 | 2,202 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6278% | 4,767 |
| Cost of funding earning assets | 0.1679% | 5,126 |
| Net interest margin | 3.4599% | 3,835 |
| Noninterest income to average assets | 0.7528% | 1,630 |
| Noninterest expense to average assets | 2.2504% | 4,224 |
| Loan and lease loss provision to assets | 0.0755% | 2,617 |
| Net operating income to assets | 1.6735% | 732 |
| Return on assets (ROA) | 1.6735% | 731 |
| Pretax return on assets | 1.6735% | 1,238 |
| Return on Equity (ROE) | 23.3473% | 119 |
| Retained earnings to average equity (ytd only) | 6.9575% | 1,687 |
| Net charge-offs to loans | 0.0236% | 2,937 |
| Credit loss provision to net charge-offs | 769.2308% | 462 |
| Earnings coverage of net charge-offs (x) | 178.2308% | 489 |
| Efficiency ratio | 56.2693% | 4,375 |
| Assets per employee ($millions) | 5.8386% | 1,639 |
| Cash dividends to net income (ytd only)* | 70.2000% | 1,072 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0137% | 3,593 |
| Loan loss allowance to noncurrent loans | 162.0426% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 3,450 |
| Noncurrent loans to loans | 0.6256% | 2,418 |
| Net loans and leases to total assets | 44.8487% | 4,787 |
| Net loans and leases to deposits | 48.6571% | 4,921 |
| Net loans and leases to core deposits | 49.4897% | 4,957 |
| Total domestic deposits to total assets | 92.1730% | 59 |
| Equity capital to assets | 7.2276% | 5,314 |
| Core capital (leverage) ratio | 8.3203% | 5,106 |
| Tier 1 risk-based capital ratio | 15.6514% | 2,554 |
| Total risk-based capital ratio | 16.5444% | 2,626 |
| Memoranda: |
| Average total assets | $397,438,400 | 1,723 |
| Average earning assets | $372,930,000 | 1,709 |
| Average equity | $28,487,200 | 2,432 |
| Average total loans | $165,203,800 | 2,479 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5543% | 4,866 |
| Cost of funding earning assets | 0.1681% | 5,150 |
| Net interest margin | 3.3862% | 4,045 |
| Noninterest income to average assets | 0.7654% | 1,605 |
| Noninterest expense to average assets | 2.1765% | 4,369 |
| Loan and lease loss provision to assets | 0.0763% | 2,436 |
| Net operating income to assets | 1.6824% | 778 |
| Return on assets (ROA) | 1.6824% | 778 |
| Pretax return on assets | 1.6824% | 1,319 |
| Return on Equity (ROE) | 23.5234% | 114 |
| Retained earnings to average equity (ytd only) | 8.4876% | 1,427 |
| Net charge-offs to loans | 0.0460% | 2,175 |
| Credit loss provision to net charge-offs | 409.0909% | 811 |
| Earnings coverage of net charge-offs (x) | 94.2928% | 790 |
| Efficiency ratio | 55.3085% | 4,474 |
| Assets per employee ($millions) | 5.5848% | 1,841 |
| Cash dividends to net income (ytd only)* | 63.9185% | 1,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1090% | 3,140 |
| Loan loss allowance to noncurrent loans | 103.4817% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 2,945 |
| Noncurrent loans to loans | 1.0717% | 1,591 |
| Net loans and leases to total assets | 40.2045% | 5,020 |
| Net loans and leases to deposits | 43.5148% | 5,124 |
| Net loans and leases to core deposits | 44.3423% | 5,160 |
| Total domestic deposits to total assets | 92.3926% | 62 |
| Equity capital to assets | 6.8303% | 5,407 |
| Core capital (leverage) ratio | 8.5622% | 5,057 |
| Tier 1 risk-based capital ratio | 17.6397% | 1,887 |
| Total risk-based capital ratio | 18.6042% | 1,931 |
| Memoranda: |
| Average total assets | $393,163,500 | 1,751 |
| Average earning assets | $368,035,000 | 1,737 |
| Average equity | $28,118,750 | 2,455 |
| Average total loans | $159,550,000 | 2,537 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4636% | 4,962 |
| Cost of funding earning assets | 0.1611% | 5,194 |
| Net interest margin | 3.3025% | 4,241 |
| Noninterest income to average assets | 0.7535% | 1,633 |
| Noninterest expense to average assets | 2.1662% | 4,449 |
| Loan and lease loss provision to assets | 0.0769% | 2,363 |
| Net operating income to assets | 1.6100% | 899 |
| Return on assets (ROA) | 1.6100% | 907 |
| Pretax return on assets | 1.6100% | 1,470 |
| Return on Equity (ROE) | 22.1692% | 158 |
| Retained earnings to average equity (ytd only) | 7.2486% | 1,954 |
| Net charge-offs to loans | 0.0543% | 1,825 |
| Credit loss provision to net charge-offs | 348.8372% | 906 |
| Earnings coverage of net charge-offs (x) | 76.5349% | 841 |
| Efficiency ratio | 56.2192% | 4,451 |
| Assets per employee ($millions) | 5.7025% | 1,716 |
| Cash dividends to net income (ytd only)* | 67.3034% | 1,076 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0894% | 3,329 |
| Loan loss allowance to noncurrent loans | 161.7375% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 3,706 |
| Noncurrent loans to loans | 0.6735% | 2,419 |
| Net loans and leases to total assets | 38.6995% | 5,104 |
| Net loans and leases to deposits | 41.9567% | 5,196 |
| Net loans and leases to core deposits | 42.7849% | 5,221 |
| Total domestic deposits to total assets | 92.2368% | 67 |
| Equity capital to assets | 6.7519% | 5,470 |
| Core capital (leverage) ratio | 8.6175% | 5,024 |
| Tier 1 risk-based capital ratio | 17.5429% | 1,930 |
| Total risk-based capital ratio | 18.4902% | 1,973 |
| Memoranda: |
| Average total assets | $390,182,330 | 1,766 |
| Average earning assets | $366,207,670 | 1,747 |
| Average equity | $28,336,670 | 2,453 |
| Average total loans | $158,240,670 | 2,566 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5055% | 4,870 |
| Cost of funding earning assets | 0.1592% | 5,226 |
| Net interest margin | 3.3462% | 4,063 |
| Noninterest income to average assets | 0.7569% | 1,597 |
| Noninterest expense to average assets | 2.2011% | 4,415 |
| Loan and lease loss provision to assets | 0.0790% | 2,197 |
| Net operating income to assets | 1.6180% | 821 |
| Return on assets (ROA) | 1.6180% | 823 |
| Pretax return on assets | 1.6180% | 1,340 |
| Return on Equity (ROE) | 21.4635% | 177 |
| Retained earnings to average equity (ytd only) | 6.7030% | 2,415 |
| Net charge-offs to loans | 0.1019% | 1,174 |
| Credit loss provision to net charge-offs | 187.5000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 40.3000% | 1,063 |
| Efficiency ratio | 56.4677% | 4,523 |
| Assets per employee ($millions) | 5.3453% | 2,096 |
| Cash dividends to net income (ytd only)* | 68.7703% | 1,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0613% | 3,595 |
| Loan loss allowance to noncurrent loans | 151.8552% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,672 |
| Noncurrent loans to loans | 0.6989% | 2,463 |
| Net loans and leases to total assets | 41.8059% | 4,988 |
| Net loans and leases to deposits | 45.6993% | 5,108 |
| Net loans and leases to core deposits | 46.7500% | 5,133 |
| Total domestic deposits to total assets | 91.4804% | 191 |
| Equity capital to assets | 7.4380% | 5,437 |
| Core capital (leverage) ratio | 8.7079% | 4,981 |
| Tier 1 risk-based capital ratio | 17.9258% | 1,857 |
| Total risk-based capital ratio | 18.8709% | 1,892 |
| Memoranda: |
| Average total assets | $379,984,000 | 1,826 |
| Average earning assets | $356,701,500 | 1,803 |
| Average equity | $28,644,000 | 2,457 |
| Average total loans | $157,040,000 | 2,602 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4255% | 4,908 |
| Cost of funding earning assets | 0.1343% | 5,350 |
| Net interest margin | 3.2912% | 4,186 |
| Noninterest income to average assets | 0.8328% | 1,456 |
| Noninterest expense to average assets | 2.2805% | 4,385 |
| Loan and lease loss provision to assets | 0.0844% | 2,518 |
| Net operating income to assets | 1.5572% | 709 |
| Return on assets (ROA) | 1.5625% | 712 |
| Pretax return on assets | 1.5625% | 1,409 |
| Return on Equity (ROE) | 19.0557% | 236 |
| Retained earnings to average equity (ytd only) | 4.3471% | 2,548 |
| Net charge-offs to loans | 0.1208% | 1,840 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 32.4167% | 1,463 |
| Efficiency ratio | 58.1450% | 4,508 |
| Assets per employee ($millions) | 5.5912% | 1,853 |
| Cash dividends to net income (ytd only)* | 77.1876% | 933 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0534% | 3,605 |
| Loan loss allowance to noncurrent loans | 98.3832% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 3,138 |
| Noncurrent loans to loans | 1.0707% | 1,663 |
| Net loans and leases to total assets | 40.0038% | 5,133 |
| Net loans and leases to deposits | 43.9021% | 5,250 |
| Net loans and leases to core deposits | 44.7938% | 5,271 |
| Total domestic deposits to total assets | 91.1204% | 213 |
| Equity capital to assets | 7.6354% | 5,508 |
| Core capital (leverage) ratio | 9.1493% | 4,459 |
| Tier 1 risk-based capital ratio | 18.0982% | 1,775 |
| Total risk-based capital ratio | 19.0468% | 1,806 |
| Memoranda: |
| Average total assets | $355,444,800 | 1,889 |
| Average earning assets | $333,648,200 | 1,875 |
| Average equity | $29,146,200 | 2,418 |
| Average total loans | $149,024,000 | 2,664 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4681% | 4,868 |
| Cost of funding earning assets | 0.1331% | 5,413 |
| Net interest margin | 3.3350% | 4,065 |
| Noninterest income to average assets | 0.8298% | 1,476 |
| Noninterest expense to average assets | 2.2733% | 4,368 |
| Loan and lease loss provision to assets | 0.0862% | 2,368 |
| Net operating income to assets | 1.6014% | 716 |
| Return on assets (ROA) | 1.6087% | 721 |
| Pretax return on assets | 1.6087% | 1,387 |
| Return on Equity (ROE) | 19.2506% | 261 |
| Retained earnings to average equity (ytd only) | 6.8067% | 1,793 |
| Net charge-offs to loans | -0.0127% | 4,709 |
| Credit loss provision to net charge-offs | -1,607.1429% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3931% | 4,573 |
| Assets per employee ($millions) | 4.9890% | 2,461 |
| Cash dividends to net income (ytd only)* | 64.6414% | 1,165 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1463% | 3,219 |
| Loan loss allowance to noncurrent loans | 144.0720% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,610 |
| Noncurrent loans to loans | 0.7956% | 2,368 |
| Net loans and leases to total assets | 43.5114% | 5,054 |
| Net loans and leases to deposits | 48.4431% | 5,175 |
| Net loans and leases to core deposits | 49.5946% | 5,209 |
| Total domestic deposits to total assets | 89.8195% | 536 |
| Equity capital to assets | 8.7556% | 5,113 |
| Core capital (leverage) ratio | 9.5759% | 4,059 |
| Tier 1 risk-based capital ratio | 18.9728% | 1,592 |
| Total risk-based capital ratio | 20.0301% | 1,600 |
| Memoranda: |
| Average total assets | $347,857,000 | 1,935 |
| Average earning assets | $326,590,500 | 1,919 |
| Average equity | $29,068,500 | 2,443 |
| Average total loans | $147,286,000 | 2,699 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4279% | 4,920 |
| Cost of funding earning assets | 0.1188% | 5,519 |
| Net interest margin | 3.3092% | 4,074 |
| Noninterest income to average assets | 0.7876% | 1,613 |
| Noninterest expense to average assets | 2.2522% | 4,455 |
| Loan and lease loss provision to assets | 0.0864% | 2,259 |
| Net operating income to assets | 1.5613% | 765 |
| Return on assets (ROA) | 1.5723% | 769 |
| Pretax return on assets | 1.5723% | 1,426 |
| Return on Equity (ROE) | 19.1209% | 259 |
| Retained earnings to average equity (ytd only) | 6.4973% | 1,846 |
| Net charge-offs to loans | -0.0220% | 4,815 |
| Credit loss provision to net charge-offs | -937.5000% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7502% | 4,630 |
| Assets per employee ($millions) | 4.8858% | 2,532 |
| Cash dividends to net income (ytd only)* | 66.0198% | 1,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1077% | 3,542 |
| Loan loss allowance to noncurrent loans | 505.9880% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 4,803 |
| Noncurrent loans to loans | 0.2189% | 4,248 |
| Net loans and leases to total assets | 44.1142% | 5,035 |
| Net loans and leases to deposits | 50.2391% | 5,129 |
| Net loans and leases to core deposits | 51.4247% | 5,170 |
| Total domestic deposits to total assets | 87.8085% | 1,558 |
| Equity capital to assets | 8.7065% | 5,135 |
| Core capital (leverage) ratio | 9.3478% | 4,300 |
| Tier 1 risk-based capital ratio | 18.6852% | 1,669 |
| Total risk-based capital ratio | 19.7022% | 1,690 |
| Memoranda: |
| Average total assets | $347,400,000 | 1,936 |
| Average earning assets | $326,729,000 | 1,924 |
| Average equity | $28,565,670 | 2,461 |
| Average total loans | $145,142,670 | 2,729 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2961% | 5,107 |
| Cost of funding earning assets | 0.1106% | 5,611 |
| Net interest margin | 3.1856% | 4,387 |
| Noninterest income to average assets | 0.7209% | 1,864 |
| Noninterest expense to average assets | 2.2074% | 4,623 |
| Loan and lease loss provision to assets | 0.0857% | 2,105 |
| Net operating income to assets | 1.4236% | 952 |
| Return on assets (ROA) | 1.4248% | 972 |
| Pretax return on assets | 1.4248% | 1,790 |
| Return on Equity (ROE) | 17.8398% | 352 |
| Retained earnings to average equity (ytd only) | 4.9356% | 2,928 |
| Net charge-offs to loans | -0.0113% | 4,481 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3913% | 4,546 |
| Assets per employee ($millions) | 4.8985% | 2,579 |
| Cash dividends to net income (ytd only)* | 72.3336% | 1,116 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1246% | 3,551 |
| Loan loss allowance to noncurrent loans | 428.6096% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 4,576 |
| Noncurrent loans to loans | 0.2624% | 4,172 |
| Net loans and leases to total assets | 41.1014% | 5,203 |
| Net loans and leases to deposits | 45.4719% | 5,317 |
| Net loans and leases to core deposits | 46.4025% | 5,356 |
| Total domestic deposits to total assets | 90.3887% | 517 |
| Equity capital to assets | 8.1931% | 5,425 |
| Core capital (leverage) ratio | 9.2211% | 4,451 |
| Tier 1 risk-based capital ratio | 19.3650% | 1,522 |
| Total risk-based capital ratio | 20.3846% | 1,545 |
| Memoranda: |
| Average total assets | $350,096,000 | 1,934 |
| Average earning assets | $329,236,500 | 1,912 |
| Average equity | $27,960,000 | 2,519 |
| Average total loans | $141,432,000 | 2,797 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1317% | 5,373 |
| Cost of funding earning assets | 0.1107% | 5,654 |
| Net interest margin | 3.0210% | 4,917 |
| Noninterest income to average assets | 0.9056% | 1,396 |
| Noninterest expense to average assets | 2.3126% | 4,530 |
| Loan and lease loss provision to assets | 0.0542% | 3,301 |
| Net operating income to assets | 1.4229% | 964 |
| Return on assets (ROA) | 1.4320% | 977 |
| Pretax return on assets | 1.4320% | 1,813 |
| Return on Equity (ROE) | 16.4240% | 465 |
| Retained earnings to average equity (ytd only) | 6.3238% | 1,551 |
| Net charge-offs to loans | -0.0016% | 4,686 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0229% | 4,415 |
| Assets per employee ($millions) | 5.0323% | 2,356 |
| Cash dividends to net income (ytd only)* | 61.4964% | 1,703 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0861% | 3,791 |
| Loan loss allowance to noncurrent loans | 105.6133% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 3,384 |
| Noncurrent loans to loans | 1.0283% | 2,026 |
| Net loans and leases to total assets | 38.8478% | 5,366 |
| Net loans and leases to deposits | 42.7982% | 5,467 |
| Net loans and leases to core deposits | 43.6354% | 5,497 |
| Total domestic deposits to total assets | 90.7698% | 359 |
| Equity capital to assets | 7.7880% | 5,638 |
| Core capital (leverage) ratio | 9.3575% | 4,273 |
| Tier 1 risk-based capital ratio | 19.7987% | 1,421 |
| Total risk-based capital ratio | 20.8018% | 1,424 |
| Memoranda: |
| Average total assets | $332,273,200 | 1,991 |
| Average earning assets | $317,209,200 | 1,932 |
| Average equity | $28,969,800 | 2,453 |
| Average total loans | $126,065,600 | 2,979 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1773% | 5,399 |
| Cost of funding earning assets | 0.1116% | 5,714 |
| Net interest margin | 3.0657% | 4,864 |
| Noninterest income to average assets | 0.9901% | 1,165 |
| Noninterest expense to average assets | 2.3548% | 4,399 |
| Loan and lease loss provision to assets | 0.0552% | 3,150 |
| Net operating income to assets | 1.5119% | 858 |
| Return on assets (ROA) | 1.5234% | 888 |
| Pretax return on assets | 1.5234% | 1,635 |
| Return on Equity (ROE) | 16.9763% | 450 |
| Retained earnings to average equity (ytd only) | 7.4787% | 1,414 |
| Net charge-offs to loans | 0.0283% | 3,094 |
| Credit loss provision to net charge-offs | 519.2308% | 684 |
| Earnings coverage of net charge-offs (x) | 147.3669% | 471 |
| Efficiency ratio | 60.0417% | 4,532 |
| Assets per employee ($millions) | 4.8948% | 2,500 |
| Cash dividends to net income (ytd only)* | 55.9464% | 1,614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1012% | 3,826 |
| Loan loss allowance to noncurrent loans | 100.9040% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 3,521 |
| Noncurrent loans to loans | 1.0913% | 2,074 |
| Net loans and leases to total assets | 39.7376% | 5,391 |
| Net loans and leases to deposits | 44.6455% | 5,494 |
| Net loans and leases to core deposits | 45.6182% | 5,524 |
| Total domestic deposits to total assets | 89.0068% | 905 |
| Equity capital to assets | 9.3633% | 4,799 |
| Core capital (leverage) ratio | 9.2887% | 4,472 |
| Tier 1 risk-based capital ratio | 20.7851% | 1,306 |
| Total risk-based capital ratio | 21.7949% | 1,317 |
| Memoranda: |
| Average total assets | $326,018,000 | 2,031 |
| Average earning assets | $311,783,750 | 1,965 |
| Average equity | $29,255,750 | 2,434 |
| Average total loans | $122,500,750 | 3,030 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1896% | 5,443 |
| Cost of funding earning assets | 0.1126% | 5,793 |
| Net interest margin | 3.0770% | 4,898 |
| Noninterest income to average assets | 0.8347% | 1,598 |
| Noninterest expense to average assets | 2.2934% | 4,628 |
| Loan and lease loss provision to assets | 0.0553% | 3,039 |
| Net operating income to assets | 1.4433% | 984 |
| Return on assets (ROA) | 1.4525% | 1,020 |
| Pretax return on assets | 1.4525% | 1,830 |
| Return on Equity (ROE) | 16.4257% | 489 |
| Retained earnings to average equity (ytd only) | 6.7705% | 1,730 |
| Net charge-offs to loans | 0.0268% | 2,941 |
| Credit loss provision to net charge-offs | 562.5000% | 600 |
| Earnings coverage of net charge-offs (x) | 152.3750% | 407 |
| Efficiency ratio | 60.4798% | 4,582 |
| Assets per employee ($millions) | 4.6632% | 2,776 |
| Cash dividends to net income (ytd only)* | 58.7812% | 1,578 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1694% | 3,529 |
| Loan loss allowance to noncurrent loans | 209.1581% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 4,326 |
| Noncurrent loans to loans | 0.5591% | 3,391 |
| Net loans and leases to total assets | 37.1927% | 5,551 |
| Net loans and leases to deposits | 41.8445% | 5,625 |
| Net loans and leases to core deposits | 42.8255% | 5,655 |
| Total domestic deposits to total assets | 88.8831% | 967 |
| Equity capital to assets | 9.4651% | 4,803 |
| Core capital (leverage) ratio | 9.3547% | 4,390 |
| Tier 1 risk-based capital ratio | 21.5817% | 1,184 |
| Total risk-based capital ratio | 22.6283% | 1,194 |
| Memoranda: |
| Average total assets | $325,374,330 | 2,041 |
| Average earning assets | $312,702,670 | 1,972 |
| Average equity | $28,772,000 | 2,473 |
| Average total loans | $119,411,000 | 3,086 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1890% | 5,496 |
| Cost of funding earning assets | 0.1137% | 5,851 |
| Net interest margin | 3.0753% | 4,935 |
| Noninterest income to average assets | 0.8301% | 1,518 |
| Noninterest expense to average assets | 2.2801% | 4,715 |
| Loan and lease loss provision to assets | 0.0550% | 2,843 |
| Net operating income to assets | 1.4707% | 903 |
| Return on assets (ROA) | 1.4781% | 936 |
| Pretax return on assets | 1.4781% | 1,663 |
| Return on Equity (ROE) | 17.3144% | 408 |
| Retained earnings to average equity (ytd only) | 7.3611% | 1,723 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9101% | 4,760 |
| Assets per employee ($millions) | 4.7247% | 2,704 |
| Cash dividends to net income (ytd only)* | 57.4855% | 1,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1737% | 3,640 |
| Loan loss allowance to noncurrent loans | 125.2936% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 3,877 |
| Noncurrent loans to loans | 0.9367% | 2,507 |
| Net loans and leases to total assets | 36.3515% | 5,620 |
| Net loans and leases to deposits | 41.6243% | 5,664 |
| Net loans and leases to core deposits | 42.8009% | 5,692 |
| Total domestic deposits to total assets | 87.3322% | 2,037 |
| Equity capital to assets | 9.1665% | 5,026 |
| Core capital (leverage) ratio | 9.0959% | 4,740 |
| Tier 1 risk-based capital ratio | 22.2743% | 1,125 |
| Total risk-based capital ratio | 23.3494% | 1,128 |
| Memoranda: |
| Average total assets | $327,180,500 | 2,042 |
| Average earning assets | $316,585,000 | 1,962 |
| Average equity | $27,930,500 | 2,536 |
| Average total loans | $118,572,500 | 3,107 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0221% | 5,708 |
| Cost of funding earning assets | 0.1140% | 5,906 |
| Net interest margin | 2.9081% | 5,324 |
| Noninterest income to average assets | 0.8181% | 1,715 |
| Noninterest expense to average assets | 2.2958% | 4,804 |
| Loan and lease loss provision to assets | 0.0374% | 3,600 |
| Net operating income to assets | 1.3039% | 1,263 |
| Return on assets (ROA) | 1.3164% | 1,280 |
| Pretax return on assets | 1.3164% | 2,219 |
| Return on Equity (ROE) | 15.9371% | 560 |
| Retained earnings to average equity (ytd only) | 6.8167% | 1,364 |
| Net charge-offs to loans | 0.1103% | 2,274 |
| Credit loss provision to net charge-offs | 93.0233% | 2,702 |
| Earnings coverage of net charge-offs (x) | 33.3876% | 1,345 |
| Efficiency ratio | 63.1218% | 4,423 |
| Assets per employee ($millions) | 4.9714% | 2,401 |
| Cash dividends to net income (ytd only)* | 57.2273% | 1,887 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1280% | 3,879 |
| Loan loss allowance to noncurrent loans | 201.5015% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 4,788 |
| Noncurrent loans to loans | 0.5598% | 3,491 |
| Net loans and leases to total assets | 35.3145% | 5,732 |
| Net loans and leases to deposits | 38.9870% | 5,807 |
| Net loans and leases to core deposits | 40.0098% | 5,821 |
| Total domestic deposits to total assets | 90.5804% | 414 |
| Equity capital to assets | 7.9293% | 5,881 |
| Core capital (leverage) ratio | 8.9190% | 4,983 |
| Tier 1 risk-based capital ratio | 21.5292% | 1,215 |
| Total risk-based capital ratio | 22.5533% | 1,233 |
| Memoranda: |
| Average total assets | $321,103,400 | 2,041 |
| Average earning assets | $311,268,800 | 1,948 |
| Average equity | $26,523,000 | 2,594 |
| Average total loans | $116,938,600 | 3,095 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0287% | 5,785 |
| Cost of funding earning assets | 0.1162% | 5,994 |
| Net interest margin | 2.9125% | 5,385 |
| Noninterest income to average assets | 0.8274% | 1,696 |
| Noninterest expense to average assets | 2.3036% | 4,770 |
| Loan and lease loss provision to assets | 0.0377% | 3,457 |
| Net operating income to assets | 1.3123% | 1,302 |
| Return on assets (ROA) | 1.3207% | 1,346 |
| Pretax return on assets | 1.3207% | 2,316 |
| Return on Equity (ROE) | 15.8232% | 617 |
| Retained earnings to average equity (ytd only) | 6.7190% | 1,826 |
| Net charge-offs to loans | 0.1420% | 1,702 |
| Credit loss provision to net charge-offs | 72.5806% | 2,720 |
| Earnings coverage of net charge-offs (x) | 25.9757% | 1,635 |
| Efficiency ratio | 63.0492% | 4,398 |
| Assets per employee ($millions) | 4.6563% | 2,757 |
| Cash dividends to net income (ytd only)* | 57.5372% | 1,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0820% | 4,328 |
| Loan loss allowance to noncurrent loans | 170.5959% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,799 |
| Noncurrent loans to loans | 0.6342% | 3,417 |
| Net loans and leases to total assets | 37.4754% | 5,728 |
| Net loans and leases to deposits | 41.7445% | 5,812 |
| Net loans and leases to core deposits | 43.2067% | 5,815 |
| Total domestic deposits to total assets | 89.7732% | 668 |
| Equity capital to assets | 8.5999% | 5,644 |
| Core capital (leverage) ratio | 9.0701% | 4,915 |
| Tier 1 risk-based capital ratio | 21.3482% | 1,285 |
| Total risk-based capital ratio | 22.3624% | 1,304 |
| Memoranda: |
| Average total assets | $318,109,000 | 2,067 |
| Average earning assets | $308,682,500 | 1,981 |
| Average equity | $26,551,000 | 2,603 |
| Average total loans | $116,431,250 | 3,130 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9790% | 5,879 |
| Cost of funding earning assets | 0.1164% | 6,059 |
| Net interest margin | 2.8625% | 5,511 |
| Noninterest income to average assets | 0.8522% | 1,597 |
| Noninterest expense to average assets | 2.3037% | 4,833 |
| Loan and lease loss provision to assets | 0.0378% | 3,362 |
| Net operating income to assets | 1.2869% | 1,358 |
| Return on assets (ROA) | 1.2995% | 1,382 |
| Pretax return on assets | 1.2995% | 2,365 |
| Return on Equity (ROE) | 15.7304% | 641 |
| Retained earnings to average equity (ytd only) | 6.5136% | 1,937 |
| Net charge-offs to loans | 0.2058% | 1,224 |
| Credit loss provision to net charge-offs | 50.8475% | 2,695 |
| Earnings coverage of net charge-offs (x) | 17.7966% | 1,837 |
| Efficiency ratio | 63.4910% | 4,428 |
| Assets per employee ($millions) | 4.7105% | 2,662 |
| Cash dividends to net income (ytd only)* | 58.5922% | 1,589 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1227% | 4,213 |
| Loan loss allowance to noncurrent loans | 261.2121% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 5,254 |
| Noncurrent loans to loans | 0.4298% | 4,189 |
| Net loans and leases to total assets | 35.5512% | 5,839 |
| Net loans and leases to deposits | 39.3476% | 5,921 |
| Net loans and leases to core deposits | 40.6766% | 5,934 |
| Total domestic deposits to total assets | 90.3516% | 513 |
| Equity capital to assets | 8.0440% | 5,968 |
| Core capital (leverage) ratio | 8.9993% | 4,969 |
| Tier 1 risk-based capital ratio | 22.0758% | 1,197 |
| Total risk-based capital ratio | 23.1239% | 1,207 |
| Memoranda: |
| Average total assets | $317,051,000 | 2,093 |
| Average earning assets | $307,490,670 | 1,999 |
| Average equity | $26,191,330 | 2,643 |
| Average total loans | $114,668,670 | 3,173 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9450% | 5,952 |
| Cost of funding earning assets | 0.1164% | 6,132 |
| Net interest margin | 2.8286% | 5,590 |
| Noninterest income to average assets | 0.8015% | 1,704 |
| Noninterest expense to average assets | 2.2522% | 4,997 |
| Loan and lease loss provision to assets | 0.0380% | 3,145 |
| Net operating income to assets | 1.2542% | 1,393 |
| Return on assets (ROA) | 1.2796% | 1,420 |
| Pretax return on assets | 1.2796% | 2,359 |
| Return on Equity (ROE) | 15.2856% | 671 |
| Retained earnings to average equity (ytd only) | 6.1809% | 2,385 |
| Net charge-offs to loans | 0.0035% | 3,199 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 1,019.0000% | 40 |
| Efficiency ratio | 63.5420% | 4,549 |
| Assets per employee ($millions) | 4.5496% | 2,973 |
| Cash dividends to net income (ytd only)* | 59.5639% | 1,442 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2223% | 3,826 |
| Loan loss allowance to noncurrent loans | 1,211.4035% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 5,795 |
| Noncurrent loans to loans | 0.1009% | 5,394 |
| Net loans and leases to total assets | 35.0439% | 5,873 |
| Net loans and leases to deposits | 38.9844% | 5,951 |
| Net loans and leases to core deposits | 40.2250% | 5,966 |
| Total domestic deposits to total assets | 89.8920% | 791 |
| Equity capital to assets | 8.4978% | 5,745 |
| Core capital (leverage) ratio | 8.7170% | 5,306 |
| Tier 1 risk-based capital ratio | 21.8012% | 1,274 |
| Total risk-based capital ratio | 22.9222% | 1,264 |
| Memoranda: |
| Average total assets | $315,420,000 | 2,110 |
| Average earning assets | $305,878,000 | 2,014 |
| Average equity | $26,404,000 | 2,634 |
| Average total loans | $114,419,000 | 3,189 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2365% | 5,787 |
| Cost of funding earning assets | 0.1347% | 6,176 |
| Net interest margin | 3.1018% | 5,202 |
| Noninterest income to average assets | 0.9044% | 1,493 |
| Noninterest expense to average assets | 2.4999% | 4,550 |
| Loan and lease loss provision to assets | 0.0010% | 4,588 |
| Net operating income to assets | 1.3964% | 1,089 |
| Return on assets (ROA) | 1.4116% | 1,088 |
| Pretax return on assets | 1.4116% | 1,849 |
| Return on Equity (ROE) | 16.9467% | 497 |
| Retained earnings to average equity (ytd only) | 7.0842% | 1,364 |
| Net charge-offs to loans | 0.0205% | 4,435 |
| Credit loss provision to net charge-offs | 13.0435% | 4,064 |
| Earnings coverage of net charge-offs (x) | 176.6957% | 301 |
| Efficiency ratio | 64.1433% | 4,571 |
| Assets per employee ($millions) | 4.5936% | 2,887 |
| Cash dividends to net income (ytd only)* | 58.1973% | 1,842 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1661% | 4,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 36.6558% | 5,918 |
| Net loans and leases to deposits | 40.6636% | 6,015 |
| Net loans and leases to core deposits | 41.9521% | 6,044 |
| Total domestic deposits to total assets | 90.1440% | 675 |
| Equity capital to assets | 8.2419% | 5,937 |
| Core capital (leverage) ratio | 8.8403% | 5,200 |
| Tier 1 risk-based capital ratio | 21.1860% | 1,362 |
| Total risk-based capital ratio | 22.2482% | 1,370 |
| Memoranda: |
| Average total assets | $290,809,600 | 2,207 |
| Average earning assets | $280,613,600 | 2,120 |
| Average equity | $24,223,000 | 2,736 |
| Average total loans | $112,098,200 | 3,176 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2625% | 5,822 |
| Cost of funding earning assets | 0.1372% | 6,255 |
| Net interest margin | 3.1253% | 5,181 |
| Noninterest income to average assets | 0.9212% | 1,448 |
| Noninterest expense to average assets | 2.5183% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4150% | 1,099 |
| Return on assets (ROA) | 1.4154% | 1,135 |
| Pretax return on assets | 1.4154% | 1,946 |
| Return on Equity (ROE) | 16.9441% | 556 |
| Retained earnings to average equity (ytd only) | 6.9454% | 1,845 |
| Net charge-offs to loans | 0.0192% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 189.3376% | 339 |
| Efficiency ratio | 64.0261% | 4,537 |
| Assets per employee ($millions) | 4.3600% | 3,194 |
| Cash dividends to net income (ytd only)* | 59.0099% | 1,426 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1582% | 4,454 |
| Loan loss allowance to noncurrent loans | 1,385.7143% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 6,043 |
| Noncurrent loans to loans | 0.0836% | 5,696 |
| Net loans and leases to total assets | 38.5219% | 5,912 |
| Net loans and leases to deposits | 42.8573% | 6,022 |
| Net loans and leases to core deposits | 44.2720% | 6,030 |
| Total domestic deposits to total assets | 89.8841% | 791 |
| Equity capital to assets | 8.3193% | 5,928 |
| Core capital (leverage) ratio | 8.8822% | 5,215 |
| Tier 1 risk-based capital ratio | 20.6156% | 1,523 |
| Total risk-based capital ratio | 21.6713% | 1,536 |
| Memoranda: |
| Average total assets | $285,420,000 | 2,255 |
| Average earning assets | $275,081,750 | 2,175 |
| Average equity | $23,842,500 | 2,775 |
| Average total loans | $111,159,750 | 3,217 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3106% | 5,774 |
| Cost of funding earning assets | 0.1380% | 6,324 |
| Net interest margin | 3.1725% | 5,035 |
| Noninterest income to average assets | 0.8891% | 1,528 |
| Noninterest expense to average assets | 2.5382% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4015% | 1,060 |
| Return on assets (ROA) | 1.4036% | 1,093 |
| Pretax return on assets | 1.4036% | 1,878 |
| Return on Equity (ROE) | 16.7780% | 575 |
| Retained earnings to average equity (ytd only) | 6.6106% | 1,977 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4267% | 4,626 |
| Assets per employee ($millions) | 4.2593% | 3,355 |
| Cash dividends to net income (ytd only)* | 60.5999% | 1,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2477% | 4,181 |
| Loan loss allowance to noncurrent loans | 1,259.6330% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 6,095 |
| Noncurrent loans to loans | 0.0990% | 5,726 |
| Net loans and leases to total assets | 37.5208% | 5,981 |
| Net loans and leases to deposits | 41.8920% | 6,069 |
| Net loans and leases to core deposits | 43.3343% | 6,101 |
| Total domestic deposits to total assets | 89.5655% | 1,044 |
| Equity capital to assets | 8.6085% | 5,708 |
| Core capital (leverage) ratio | 9.2126% | 4,717 |
| Tier 1 risk-based capital ratio | 21.3605% | 1,372 |
| Total risk-based capital ratio | 22.4885% | 1,373 |
| Memoranda: |
| Average total assets | $280,279,330 | 2,287 |
| Average earning assets | $269,502,000 | 2,214 |
| Average equity | $23,447,330 | 2,808 |
| Average total loans | $109,130,330 | 3,267 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3818% | 5,687 |
| Cost of funding earning assets | 0.1420% | 6,396 |
| Net interest margin | 3.2398% | 4,779 |
| Noninterest income to average assets | 0.8810% | 1,450 |
| Noninterest expense to average assets | 2.5167% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4760% | 855 |
| Return on assets (ROA) | 1.4688% | 892 |
| Pretax return on assets | 1.4688% | 1,521 |
| Return on Equity (ROE) | 17.8291% | 450 |
| Retained earnings to average equity (ytd only) | 7.3289% | 1,894 |
| Net charge-offs to loans | 0.0037% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1,017.0000% | 25 |
| Efficiency ratio | 63.0316% | 4,998 |
| Assets per employee ($millions) | 4.1421% | 3,636 |
| Cash dividends to net income (ytd only)* | 58.8933% | 1,443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2675% | 4,294 |
| Loan loss allowance to noncurrent loans | 1,236.9369% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 6,172 |
| Noncurrent loans to loans | 0.1025% | 5,820 |
| Net loans and leases to total assets | 38.5377% | 5,906 |
| Net loans and leases to deposits | 42.9930% | 6,025 |
| Net loans and leases to core deposits | 43.9892% | 6,076 |
| Total domestic deposits to total assets | 89.6373% | 1,287 |
| Equity capital to assets | 8.4854% | 5,669 |
| Core capital (leverage) ratio | 9.3741% | 4,473 |
| Tier 1 risk-based capital ratio | 21.5453% | 1,364 |
| Total risk-based capital ratio | 22.6992% | 1,361 |
| Memoranda: |
| Average total assets | $275,602,000 | 2,332 |
| Average earning assets | $264,708,000 | 2,255 |
| Average equity | $22,704,500 | 2,867 |
| Average total loans | $108,672,500 | 3,287 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4209% | 5,798 |
| Cost of funding earning assets | 0.2110% | 6,226 |
| Net interest margin | 3.2098% | 4,970 |
| Noninterest income to average assets | 1.0204% | 1,347 |
| Noninterest expense to average assets | 2.6060% | 4,442 |
| Loan and lease loss provision to assets | 0.0004% | 5,088 |
| Net operating income to assets | 1.4797% | 858 |
| Return on assets (ROA) | 1.4770% | 912 |
| Pretax return on assets | 1.4770% | 1,523 |
| Return on Equity (ROE) | 16.7697% | 528 |
| Retained earnings to average equity (ytd only) | 6.4830% | 1,696 |
| Net charge-offs to loans | -0.0067% | 5,968 |
| Credit loss provision to net charge-offs | -14.2857% | 5,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7776% | 4,938 |
| Assets per employee ($millions) | 3.9664% | 3,930 |
| Cash dividends to net income (ytd only)* | 61.3413% | 1,701 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2603% | 4,341 |
| Loan loss allowance to noncurrent loans | 27,480.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,449 |
| Noncurrent loans to loans | 0.0046% | 6,295 |
| Net loans and leases to total assets | 39.3330% | 6,009 |
| Net loans and leases to deposits | 43.6222% | 6,138 |
| Net loans and leases to core deposits | 44.6879% | 6,198 |
| Total domestic deposits to total assets | 90.1674% | 992 |
| Equity capital to assets | 7.9874% | 6,027 |
| Core capital (leverage) ratio | 9.3169% | 4,522 |
| Tier 1 risk-based capital ratio | 21.1395% | 1,398 |
| Total risk-based capital ratio | 22.2913% | 1,392 |
| Memoranda: |
| Average total assets | $261,472,000 | 2,423 |
| Average earning assets | $249,732,200 | 2,329 |
| Average equity | $23,029,600 | 2,817 |
| Average total loans | $103,778,600 | 3,369 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4175% | 5,849 |
| Cost of funding earning assets | 0.2251% | 6,260 |
| Net interest margin | 3.1924% | 5,027 |
| Noninterest income to average assets | 1.0056% | 1,435 |
| Noninterest expense to average assets | 2.6024% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4467% | 990 |
| Return on assets (ROA) | 1.4503% | 1,035 |
| Pretax return on assets | 1.4503% | 1,766 |
| Return on Equity (ROE) | 16.0703% | 643 |
| Retained earnings to average equity (ytd only) | 5.9342% | 2,453 |
| Net charge-offs to loans | -0.0260% | 6,127 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2712% | 4,759 |
| Assets per employee ($millions) | 3.8695% | 4,095 |
| Cash dividends to net income (ytd only)* | 63.0736% | 1,334 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3315% | 4,232 |
| Loan loss allowance to noncurrent loans | 2,431.5789% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 6,422 |
| Noncurrent loans to loans | 0.0548% | 6,181 |
| Net loans and leases to total assets | 39.0345% | 6,105 |
| Net loans and leases to deposits | 43.8368% | 6,209 |
| Net loans and leases to core deposits | 45.0567% | 6,244 |
| Total domestic deposits to total assets | 89.0452% | 1,531 |
| Equity capital to assets | 8.5807% | 5,650 |
| Core capital (leverage) ratio | 9.4392% | 4,493 |
| Tier 1 risk-based capital ratio | 21.6827% | 1,366 |
| Total risk-based capital ratio | 22.8964% | 1,349 |
| Memoranda: |
| Average total assets | $258,419,750 | 2,466 |
| Average earning assets | $246,374,250 | 2,378 |
| Average equity | $23,322,000 | 2,815 |
| Average total loans | $102,468,000 | 3,414 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3716% | 5,965 |
| Cost of funding earning assets | 0.2286% | 6,315 |
| Net interest margin | 3.1430% | 5,150 |
| Noninterest income to average assets | 1.0177% | 1,480 |
| Noninterest expense to average assets | 2.5750% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4296% | 1,019 |
| Return on assets (ROA) | 1.4382% | 1,089 |
| Pretax return on assets | 1.4382% | 1,806 |
| Return on Equity (ROE) | 15.6725% | 707 |
| Retained earnings to average equity (ytd only) | 5.6428% | 2,646 |
| Net charge-offs to loans | -0.0078% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3010% | 4,827 |
| Assets per employee ($millions) | 3.7506% | 4,300 |
| Cash dividends to net income (ytd only)* | 63.9957% | 1,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3048% | 4,484 |
| Loan loss allowance to noncurrent loans | 2,142.1875% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 6,459 |
| Noncurrent loans to loans | 0.0609% | 6,204 |
| Net loans and leases to total assets | 40.6606% | 6,000 |
| Net loans and leases to deposits | 45.6384% | 6,132 |
| Net loans and leases to core deposits | 47.5948% | 6,151 |
| Total domestic deposits to total assets | 89.0930% | 1,574 |
| Equity capital to assets | 8.4897% | 5,775 |
| Core capital (leverage) ratio | 9.6116% | 4,062 |
| Tier 1 risk-based capital ratio | 21.1685% | 1,457 |
| Total risk-based capital ratio | 22.3586% | 1,438 |
| Memoranda: |
| Average total assets | $256,851,000 | 2,490 |
| Average earning assets | $244,101,330 | 2,408 |
| Average equity | $23,570,000 | 2,811 |
| Average total loans | $101,925,330 | 3,438 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3333% | 6,086 |
| Cost of funding earning assets | 0.2318% | 6,401 |
| Net interest margin | 3.1016% | 5,257 |
| Noninterest income to average assets | 1.0506% | 1,343 |
| Noninterest expense to average assets | 2.5047% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4743% | 903 |
| Return on assets (ROA) | 1.4603% | 1,014 |
| Pretax return on assets | 1.4603% | 1,681 |
| Return on Equity (ROE) | 15.3451% | 693 |
| Retained earnings to average equity (ytd only) | 5.7075% | 2,835 |
| Net charge-offs to loans | -0.0120% | 5,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9485% | 5,162 |
| Assets per employee ($millions) | 4.0916% | 3,758 |
| Cash dividends to net income (ytd only)* | 62.8055% | 1,256 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3550% | 4,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.9591% | 5,998 |
| Net loans and leases to deposits | 45.6846% | 6,075 |
| Net loans and leases to core deposits | 49.0166% | 6,032 |
| Total domestic deposits to total assets | 87.4674% | 2,649 |
| Equity capital to assets | 9.8469% | 4,357 |
| Core capital (leverage) ratio | 9.3770% | 4,280 |
| Tier 1 risk-based capital ratio | 21.7687% | 1,380 |
| Total risk-based capital ratio | 23.0078% | 1,351 |
| Memoranda: |
| Average total assets | $257,757,500 | 2,517 |
| Average earning assets | $243,362,000 | 2,442 |
| Average equity | $24,529,000 | 2,756 |
| Average total loans | $100,352,500 | 3,493 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6677% | 6,105 |
| Cost of funding earning assets | 0.2986% | 6,459 |
| Net interest margin | 3.3691% | 5,002 |
| Noninterest income to average assets | 1.3063% | 899 |
| Noninterest expense to average assets | 2.6532% | 4,560 |
| Loan and lease loss provision to assets | 0.0013% | 5,897 |
| Net operating income to assets | 1.8429% | 480 |
| Return on assets (ROA) | 1.7330% | 642 |
| Pretax return on assets | 1.7330% | 1,064 |
| Return on Equity (ROE) | 17.5378% | 484 |
| Retained earnings to average equity (ytd only) | 7.4992% | 1,339 |
| Net charge-offs to loans | -0.0250% | 6,588 |
| Credit loss provision to net charge-offs | -12.5000% | 6,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9942% | 5,702 |
| Assets per employee ($millions) | 4.0912% | 3,760 |
| Cash dividends to net income (ytd only)* | 57.2397% | 1,939 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3725% | 4,299 |
| Loan loss allowance to noncurrent loans | 7,594.4444% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,678 |
| Noncurrent loans to loans | 0.0181% | 6,495 |
| Net loans and leases to total assets | 36.9405% | 6,380 |
| Net loans and leases to deposits | 41.8726% | 6,468 |
| Net loans and leases to core deposits | 44.4975% | 6,439 |
| Total domestic deposits to total assets | 88.2211% | 2,084 |
| Equity capital to assets | 9.2060% | 5,260 |
| Core capital (leverage) ratio | 9.9429% | 3,475 |
| Tier 1 risk-based capital ratio | 21.5039% | 1,361 |
| Total risk-based capital ratio | 22.7432% | 1,333 |
| Memoranda: |
| Average total assets | $238,315,200 | 2,651 |
| Average earning assets | $225,729,200 | 2,565 |
| Average equity | $23,549,200 | 2,797 |
| Average total loans | $95,856,800 | 3,621 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7712% | 6,083 |
| Cost of funding earning assets | 0.3129% | 6,548 |
| Net interest margin | 3.4583% | 4,811 |
| Noninterest income to average assets | 1.2013% | 1,049 |
| Noninterest expense to average assets | 2.6970% | 4,377 |
| Loan and lease loss provision to assets | 0.0006% | 5,788 |
| Net operating income to assets | 1.7965% | 571 |
| Return on assets (ROA) | 1.7354% | 711 |
| Pretax return on assets | 1.7354% | 1,191 |
| Return on Equity (ROE) | 17.2236% | 585 |
| Retained earnings to average equity (ytd only) | 7.0850% | 2,076 |
| Net charge-offs to loans | -0.0126% | 6,407 |
| Credit loss provision to net charge-offs | -11.1111% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0128% | 5,496 |
| Assets per employee ($millions) | 3.3818% | 5,255 |
| Cash dividends to net income (ytd only)* | 58.8645% | 1,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3784% | 4,470 |
| Loan loss allowance to noncurrent loans | 135,200.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 6,824 |
| Noncurrent loans to loans | 0.0010% | 6,695 |
| Net loans and leases to total assets | 42.0634% | 6,127 |
| Net loans and leases to deposits | 48.7285% | 6,217 |
| Net loans and leases to core deposits | 52.3793% | 6,161 |
| Total domestic deposits to total assets | 86.3218% | 3,073 |
| Equity capital to assets | 10.5812% | 3,752 |
| Core capital (leverage) ratio | 10.0765% | 3,435 |
| Tier 1 risk-based capital ratio | 21.3604% | 1,444 |
| Total risk-based capital ratio | 22.6054% | 1,414 |
| Memoranda: |
| Average total assets | $231,412,750 | 2,737 |
| Average earning assets | $220,332,250 | 2,637 |
| Average equity | $23,316,250 | 2,845 |
| Average total loans | $94,920,750 | 3,682 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8093% | 6,116 |
| Cost of funding earning assets | 0.3187% | 6,653 |
| Net interest margin | 3.4906% | 4,716 |
| Noninterest income to average assets | 1.1824% | 1,022 |
| Noninterest expense to average assets | 2.6598% | 4,569 |
| Loan and lease loss provision to assets | 0.0009% | 5,615 |
| Net operating income to assets | 1.8465% | 517 |
| Return on assets (ROA) | 1.7542% | 685 |
| Pretax return on assets | 1.7542% | 1,129 |
| Return on Equity (ROE) | 17.7044% | 539 |
| Retained earnings to average equity (ytd only) | 7.4160% | 1,911 |
| Net charge-offs to loans | -0.0128% | 6,332 |
| Credit loss provision to net charge-offs | -16.6667% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0126% | 5,729 |
| Assets per employee ($millions) | 3.6441% | 4,652 |
| Cash dividends to net income (ytd only)* | 58.1121% | 1,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4276% | 4,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 39.9665% | 6,344 |
| Net loans and leases to deposits | 46.0026% | 6,438 |
| Net loans and leases to core deposits | 48.9767% | 6,402 |
| Total domestic deposits to total assets | 86.8787% | 2,844 |
| Equity capital to assets | 10.0985% | 4,188 |
| Core capital (leverage) ratio | 9.9575% | 3,476 |
| Tier 1 risk-based capital ratio | 21.5934% | 1,371 |
| Total risk-based capital ratio | 22.8440% | 1,346 |
| Memoranda: |
| Average total assets | $231,895,330 | 2,732 |
| Average earning assets | $220,882,000 | 2,640 |
| Average equity | $22,977,330 | 2,854 |
| Average total loans | $93,866,670 | 3,713 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8852% | 6,049 |
| Cost of funding earning assets | 0.3277% | 6,736 |
| Net interest margin | 3.5575% | 4,455 |
| Noninterest income to average assets | 1.2299% | 940 |
| Noninterest expense to average assets | 2.6121% | 4,776 |
| Loan and lease loss provision to assets | 0.0017% | 5,241 |
| Net operating income to assets | 1.9963% | 423 |
| Return on assets (ROA) | 1.6624% | 859 |
| Pretax return on assets | 1.6624% | 1,395 |
| Return on Equity (ROE) | 16.9414% | 682 |
| Retained earnings to average equity (ytd only) | 6.5227% | 2,673 |
| Net charge-offs to loans | -0.0128% | 6,023 |
| Credit loss provision to net charge-offs | -33.3333% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6604% | 6,057 |
| Assets per employee ($millions) | 3.5740% | 4,948 |
| Cash dividends to net income (ytd only)* | 61.4984% | 1,169 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4476% | 4,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.0902% | 6,345 |
| Net loans and leases to deposits | 46.1206% | 6,422 |
| Net loans and leases to core deposits | 48.1292% | 6,450 |
| Total domestic deposits to total assets | 86.9248% | 2,996 |
| Equity capital to assets | 10.0499% | 4,067 |
| Core capital (leverage) ratio | 9.8656% | 3,545 |
| Tier 1 risk-based capital ratio | 21.1708% | 1,456 |
| Total risk-based capital ratio | 22.4213% | 1,426 |
| Memoranda: |
| Average total assets | $231,231,500 | 2,754 |
| Average earning assets | $219,706,500 | 2,653 |
| Average equity | $22,690,000 | 2,884 |
| Average total loans | $93,519,500 | 3,745 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1149% | 6,255 |
| Cost of funding earning assets | 0.4268% | 6,812 |
| Net interest margin | 3.6881% | 4,349 |
| Noninterest income to average assets | 1.2221% | 882 |
| Noninterest expense to average assets | 2.8665% | 4,098 |
| Loan and lease loss provision to assets | 0.0092% | 6,421 |
| Net operating income to assets | 1.8758% | 399 |
| Return on assets (ROA) | 1.5277% | 847 |
| Pretax return on assets | 1.5277% | 1,398 |
| Return on Equity (ROE) | 15.1829% | 714 |
| Retained earnings to average equity (ytd only) | 6.4736% | 1,753 |
| Net charge-offs to loans | -0.0046% | 6,835 |
| Credit loss provision to net charge-offs | -500.0000% | 6,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3279% | 5,701 |
| Assets per employee ($millions) | 3.5958% | 4,776 |
| Cash dividends to net income (ytd only)* | 57.3627% | 1,681 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4299% | 4,335 |
| Loan loss allowance to noncurrent loans | 7,073.6842% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,971 |
| Noncurrent loans to loans | 0.0202% | 6,776 |
| Net loans and leases to total assets | 39.6391% | 6,563 |
| Net loans and leases to deposits | 45.3150% | 6,661 |
| Net loans and leases to core deposits | 47.4679% | 6,673 |
| Total domestic deposits to total assets | 87.4745% | 2,484 |
| Equity capital to assets | 9.5805% | 4,771 |
| Core capital (leverage) ratio | 9.6139% | 3,844 |
| Tier 1 risk-based capital ratio | 20.2599% | 1,579 |
| Total risk-based capital ratio | 21.5034% | 1,558 |
| Memoranda: |
| Average total assets | $216,920,600 | 2,873 |
| Average earning assets | $207,589,200 | 2,758 |
| Average equity | $21,827,200 | 2,911 |
| Average total loans | $87,617,200 | 3,919 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1971% | 6,210 |
| Cost of funding earning assets | 0.4512% | 6,873 |
| Net interest margin | 3.7458% | 4,130 |
| Noninterest income to average assets | 1.2216% | 883 |
| Noninterest expense to average assets | 2.8613% | 4,095 |
| Loan and lease loss provision to assets | 0.0125% | 6,277 |
| Net operating income to assets | 1.9380% | 389 |
| Return on assets (ROA) | 1.7769% | 591 |
| Pretax return on assets | 1.7769% | 996 |
| Return on Equity (ROE) | 17.4302% | 519 |
| Retained earnings to average equity (ytd only) | 9.3391% | 1,031 |
| Net charge-offs to loans | -0.0171% | 6,875 |
| Credit loss provision to net charge-offs | -181.8182% | 6,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4633% | 5,797 |
| Assets per employee ($millions) | 3.2687% | 5,541 |
| Cash dividends to net income (ytd only)* | 46.4196% | 1,739 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5269% | 3,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.7858% | 6,651 |
| Net loans and leases to deposits | 45.9309% | 6,741 |
| Net loans and leases to core deposits | 48.5964% | 6,735 |
| Total domestic deposits to total assets | 86.6210% | 2,872 |
| Equity capital to assets | 10.2918% | 3,970 |
| Core capital (leverage) ratio | 10.0442% | 3,375 |
| Tier 1 risk-based capital ratio | 20.1899% | 1,644 |
| Total risk-based capital ratio | 21.4254% | 1,612 |
| Memoranda: |
| Average total assets | $212,719,750 | 2,924 |
| Average earning assets | $203,883,000 | 2,808 |
| Average equity | $21,686,000 | 2,917 |
| Average total loans | $86,024,000 | 4,006 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1793% | 6,330 |
| Cost of funding earning assets | 0.4667% | 6,964 |
| Net interest margin | 3.7127% | 4,208 |
| Noninterest income to average assets | 1.2059% | 876 |
| Noninterest expense to average assets | 2.9066% | 3,997 |
| Loan and lease loss provision to assets | 0.0190% | 6,050 |
| Net operating income to assets | 1.8459% | 452 |
| Return on assets (ROA) | 1.7880% | 552 |
| Pretax return on assets | 1.7880% | 903 |
| Return on Equity (ROE) | 17.5968% | 501 |
| Retained earnings to average equity (ytd only) | 10.7655% | 713 |
| Net charge-offs to loans | -0.0258% | 6,887 |
| Credit loss provision to net charge-offs | -181.8182% | 6,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9154% | 5,740 |
| Assets per employee ($millions) | 3.3460% | 5,331 |
| Cash dividends to net income (ytd only)* | 38.8210% | 2,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5716% | 3,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 38.8736% | 6,811 |
| Net loans and leases to deposits | 44.8463% | 6,891 |
| Net loans and leases to core deposits | 48.3297% | 6,843 |
| Total domestic deposits to total assets | 86.6818% | 2,940 |
| Equity capital to assets | 10.2280% | 3,846 |
| Core capital (leverage) ratio | 10.1727% | 3,066 |
| Tier 1 risk-based capital ratio | 19.6766% | 1,672 |
| Total risk-based capital ratio | 20.9003% | 1,654 |
| Memoranda: |
| Average total assets | $210,626,330 | 2,968 |
| Average earning assets | $202,280,670 | 2,846 |
| Average equity | $21,401,670 | 2,947 |
| Average total loans | $85,204,670 | 4,063 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1714% | 6,345 |
| Cost of funding earning assets | 0.4881% | 7,010 |
| Net interest margin | 3.6832% | 4,190 |
| Noninterest income to average assets | 1.2240% | 845 |
| Noninterest expense to average assets | 3.0271% | 3,530 |
| Loan and lease loss provision to assets | 0.0386% | 5,511 |
| Net operating income to assets | 1.6835% | 589 |
| Return on assets (ROA) | 1.6622% | 639 |
| Pretax return on assets | 1.6622% | 1,052 |
| Return on Equity (ROE) | 16.4156% | 637 |
| Retained earnings to average equity (ytd only) | 10.2765% | 1,052 |
| Net charge-offs to loans | -0.0283% | 6,690 |
| Credit loss provision to net charge-offs | -333.3333% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7398% | 5,405 |
| Assets per employee ($millions) | 3.1747% | 5,778 |
| Cash dividends to net income (ytd only)* | 37.3984% | 1,812 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5849% | 3,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 39.8615% | 6,786 |
| Net loans and leases to deposits | 46.0374% | 6,844 |
| Net loans and leases to core deposits | 49.7667% | 6,786 |
| Total domestic deposits to total assets | 86.5851% | 3,186 |
| Equity capital to assets | 10.2382% | 3,485 |
| Core capital (leverage) ratio | 10.0736% | 3,066 |
| Tier 1 risk-based capital ratio | 18.6515% | 1,910 |
| Total risk-based capital ratio | 19.8407% | 1,883 |
| Memoranda: |
| Average total assets | $207,193,500 | 3,022 |
| Average earning assets | $198,303,500 | 2,908 |
| Average equity | $20,980,000 | 2,986 |
| Average total loans | $84,858,500 | 4,113 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5742% | 6,184 |
| Cost of funding earning assets | 0.6140% | 7,098 |
| Net interest margin | 3.9602% | 3,213 |
| Noninterest income to average assets | 1.3491% | 806 |
| Noninterest expense to average assets | 3.0205% | 3,767 |
| Loan and lease loss provision to assets | 0.0671% | 6,477 |
| Net operating income to assets | 2.0326% | 271 |
| Return on assets (ROA) | 1.4096% | 1,001 |
| Pretax return on assets | 1.4096% | 1,637 |
| Return on Equity (ROE) | 15.6964% | 615 |
| Retained earnings to average equity (ytd only) | 15.6964% | 104 |
| Net charge-offs to loans | 0.1549% | 5,420 |
| Credit loss provision to net charge-offs | 104.4776% | 4,298 |
| Earnings coverage of net charge-offs (x) | 32.6716% | 685 |
| Efficiency ratio | 58.9921% | 6,199 |
| Assets per employee ($millions) | 3.0576% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5792% | 3,660 |
| Loan loss allowance to noncurrent loans | 2,913.0435% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 7,072 |
| Noncurrent loans to loans | 0.0542% | 6,991 |
| Net loans and leases to total assets | 40.7651% | 6,919 |
| Net loans and leases to deposits | 47.0122% | 6,996 |
| Net loans and leases to core deposits | 51.2139% | 6,938 |
| Total domestic deposits to total assets | 86.7118% | 2,973 |
| Equity capital to assets | 10.0108% | 3,733 |
| Core capital (leverage) ratio | 9.7790% | 3,347 |
| Tier 1 risk-based capital ratio | 17.8575% | 2,046 |
| Total risk-based capital ratio | 19.0214% | 2,036 |
| Memoranda: |
| Average total assets | $208,506,000 | 2,994 |
| Average earning assets | $198,549,400 | 2,896 |
| Average equity | $18,724,000 | 3,311 |
| Average total loans | $86,527,400 | 4,143 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6224% | 6,276 |
| Cost of funding earning assets | 0.6287% | 7,231 |
| Net interest margin | 3.9937% | 3,134 |
| Noninterest income to average assets | 1.3173% | 789 |
| Noninterest expense to average assets | 3.0458% | 3,590 |
| Loan and lease loss provision to assets | 0.0700% | 6,362 |
| Net operating income to assets | 1.9991% | 339 |
| Return on assets (ROA) | 1.4866% | 1,027 |
| Pretax return on assets | 1.4866% | 1,649 |
| Return on Equity (ROE) | 17.0328% | 585 |
| Retained earnings to average equity (ytd only) | 17.0328% | 132 |
| Net charge-offs to loans | 0.1917% | 4,805 |
| Credit loss provision to net charge-offs | 88.0000% | 4,853 |
| Earnings coverage of net charge-offs (x) | 26.0004% | 977 |
| Efficiency ratio | 59.5469% | 6,021 |
| Assets per employee ($millions) | 3.2168% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5557% | 3,712 |
| Loan loss allowance to noncurrent loans | 537.9592% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 6,975 |
| Noncurrent loans to loans | 0.2892% | 6,609 |
| Net loans and leases to total assets | 40.5121% | 7,046 |
| Net loans and leases to deposits | 46.7894% | 7,137 |
| Net loans and leases to core deposits | 50.4714% | 7,107 |
| Total domestic deposits to total assets | 86.5837% | 2,768 |
| Equity capital to assets | 9.8267% | 4,377 |
| Core capital (leverage) ratio | 9.5241% | 3,872 |
| Tier 1 risk-based capital ratio | 15.9251% | 2,799 |
| Total risk-based capital ratio | 16.9766% | 2,853 |
| Memoranda: |
| Average total assets | $209,417,750 | 3,032 |
| Average earning assets | $199,139,500 | 2,933 |
| Average equity | $18,278,000 | 3,430 |
| Average total loans | $86,946,500 | 4,201 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6619% | 6,269 |
| Cost of funding earning assets | 0.6463% | 7,306 |
| Net interest margin | 4.0156% | 2,944 |
| Noninterest income to average assets | 1.2735% | 796 |
| Noninterest expense to average assets | 3.0371% | 3,564 |
| Loan and lease loss provision to assets | 0.0760% | 6,181 |
| Net operating income to assets | 1.9725% | 346 |
| Return on assets (ROA) | 1.6097% | 768 |
| Pretax return on assets | 1.6097% | 1,276 |
| Return on Equity (ROE) | 19.2319% | 369 |
| Retained earnings to average equity (ytd only) | 19.2319% | 98 |
| Net charge-offs to loans | 0.2212% | 4,275 |
| Credit loss provision to net charge-offs | 82.4742% | 4,641 |
| Earnings coverage of net charge-offs (x) | 22.2371% | 1,140 |
| Efficiency ratio | 59.7199% | 6,093 |
| Assets per employee ($millions) | 3.4151% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5175% | 3,831 |
| Loan loss allowance to noncurrent loans | 237.2973% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,755 |
| Noncurrent loans to loans | 0.6395% | 5,972 |
| Net loans and leases to total assets | 39.7265% | 7,180 |
| Net loans and leases to deposits | 45.1989% | 7,284 |
| Net loans and leases to core deposits | 49.8970% | 7,213 |
| Total domestic deposits to total assets | 87.8927% | 2,057 |
| Equity capital to assets | 8.6865% | 5,902 |
| Core capital (leverage) ratio | 9.2439% | 4,223 |
| Tier 1 risk-based capital ratio | 14.1820% | 3,613 |
| Total risk-based capital ratio | 15.1488% | 3,764 |
| Memoranda: |
| Average total assets | $210,598,000 | 3,045 |
| Average earning assets | $199,920,000 | 2,952 |
| Average equity | $17,627,000 | 3,529 |
| Average total loans | $87,687,670 | 4,205 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7469% | 6,086 |
| Cost of funding earning assets | 0.6903% | 7,354 |
| Net interest margin | 4.0566% | 2,627 |
| Noninterest income to average assets | 1.2442% | 797 |
| Noninterest expense to average assets | 3.0818% | 3,342 |
| Loan and lease loss provision to assets | 0.0576% | 6,082 |
| Net operating income to assets | 1.9412% | 386 |
| Return on assets (ROA) | 1.9412% | 422 |
| Pretax return on assets | 1.9412% | 679 |
| Return on Equity (ROE) | 23.6547% | 202 |
| Retained earnings to average equity (ytd only) | 23.6547% | 118 |
| Net charge-offs to loans | -0.0136% | 6,968 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6576% | 6,065 |
| Assets per employee ($millions) | 3.2847% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5662% | 3,596 |
| Loan loss allowance to noncurrent loans | 227.2879% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 6,741 |
| Noncurrent loans to loans | 0.6891% | 5,956 |
| Net loans and leases to total assets | 42.1572% | 7,118 |
| Net loans and leases to deposits | 48.1377% | 7,228 |
| Net loans and leases to core deposits | 54.6041% | 7,071 |
| Total domestic deposits to total assets | 87.5764% | 2,314 |
| Equity capital to assets | 8.8209% | 5,508 |
| Core capital (leverage) ratio | 9.0826% | 4,408 |
| Tier 1 risk-based capital ratio | 12.7272% | 4,534 |
| Total risk-based capital ratio | 13.6601% | 4,777 |
| Memoranda: |
| Average total assets | $208,321,500 | 3,116 |
| Average earning assets | $197,012,500 | 3,035 |
| Average equity | $17,096,000 | 3,635 |
| Average total loans | $88,137,000 | 4,252 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1090% | 6,054 |
| Cost of funding earning assets | 0.8556% | 7,477 |
| Net interest margin | 4.2534% | 1,879 |
| Noninterest income to average assets | 1.3947% | 756 |
| Noninterest expense to average assets | 3.1173% | 3,666 |
| Loan and lease loss provision to assets | 0.2235% | 5,577 |
| Net operating income to assets | 2.0918% | 188 |
| Return on assets (ROA) | 1.4370% | 843 |
| Pretax return on assets | 1.4370% | 1,341 |
| Return on Equity (ROE) | 20.5064% | 223 |
| Retained earnings to average equity (ytd only) | -3.9099% | 5,850 |
| Net charge-offs to loans | 0.0731% | 6,377 |
| Credit loss provision to net charge-offs | 707.6923% | 411 |
| Earnings coverage of net charge-offs (x) | 73.3231% | 375 |
| Efficiency ratio | 57.3817% | 6,848 |
| Assets per employee ($millions) | 3.2768% | 5,546 |
| Cash dividends to net income (ytd only)* | 119.0669% | 414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4980% | 3,741 |
| Loan loss allowance to noncurrent loans | 221.9634% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 6,744 |
| Noncurrent loans to loans | 0.6749% | 5,887 |
| Net loans and leases to total assets | 41.1848% | 7,290 |
| Net loans and leases to deposits | 46.2983% | 7,429 |
| Net loans and leases to core deposits | 56.7668% | 7,380 |
| Total domestic deposits to total assets | 88.9554% | 1,500 |
| Equity capital to assets | 7.6191% | 6,932 |
| Core capital (leverage) ratio | 8.5335% | 5,231 |
| Tier 1 risk-based capital ratio | 11.7162% | 5,182 |
| Total risk-based capital ratio | 12.6029% | 5,513 |
| Memoranda: |
| Average total assets | $205,852,200 | 3,110 |
| Average earning assets | $195,420,800 | 3,029 |
| Average equity | $14,424,800 | 4,166 |
| Average total loans | $88,861,000 | 4,245 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1824% | 5,954 |
| Cost of funding earning assets | 0.8804% | 7,590 |
| Net interest margin | 4.3019% | 1,726 |
| Noninterest income to average assets | 1.4191% | 747 |
| Noninterest expense to average assets | 3.1623% | 3,427 |
| Loan and lease loss provision to assets | 0.2711% | 4,799 |
| Net operating income to assets | 2.0783% | 243 |
| Return on assets (ROA) | 2.0783% | 272 |
| Pretax return on assets | 2.0783% | 465 |
| Return on Equity (ROE) | 30.3509% | 58 |
| Retained earnings to average equity (ytd only) | 5.1237% | 2,414 |
| Net charge-offs to loans | 0.0646% | 6,049 |
| Credit loss provision to net charge-offs | 965.1163% | 387 |
| Earnings coverage of net charge-offs (x) | 83.6307% | 409 |
| Efficiency ratio | 57.3732% | 6,811 |
| Assets per employee ($millions) | 3.1591% | 5,759 |
| Cash dividends to net income (ytd only)* | 83.1186% | 878 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4731% | 3,579 |
| Loan loss allowance to noncurrent loans | 342.5587% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 7,055 |
| Noncurrent loans to loans | 0.4300% | 6,477 |
| Net loans and leases to total assets | 43.4024% | 7,284 |
| Net loans and leases to deposits | 49.0352% | 7,456 |
| Net loans and leases to core deposits | 61.1475% | 7,357 |
| Total domestic deposits to total assets | 88.5127% | 1,430 |
| Equity capital to assets | 7.6922% | 7,158 |
| Core capital (leverage) ratio | 9.2466% | 4,269 |
| Tier 1 risk-based capital ratio | 10.9667% | 5,982 |
| Total risk-based capital ratio | 11.7350% | 6,437 |
| Memoranda: |
| Average total assets | $204,067,500 | 3,157 |
| Average earning assets | $194,140,000 | 3,068 |
| Average equity | $13,974,000 | 4,304 |
| Average total loans | $88,812,750 | 4,287 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2160% | 6,023 |
| Cost of funding earning assets | 0.8964% | 7,702 |
| Net interest margin | 4.3195% | 1,599 |
| Noninterest income to average assets | 1.4441% | 714 |
| Noninterest expense to average assets | 3.0894% | 3,742 |
| Loan and lease loss provision to assets | 0.0586% | 6,635 |
| Net operating income to assets | 2.3967% | 130 |
| Return on assets (ROA) | 2.3967% | 145 |
| Pretax return on assets | 2.3967% | 255 |
| Return on Equity (ROE) | 36.4813% | 38 |
| Retained earnings to average equity (ytd only) | 10.3807% | 654 |
| Net charge-offs to loans | 0.1330% | 4,835 |
| Credit loss provision to net charge-offs | 101.6949% | 4,496 |
| Earnings coverage of net charge-offs (x) | 42.5932% | 777 |
| Efficiency ratio | 55.7181% | 7,143 |
| Assets per employee ($millions) | 2.9630% | 6,227 |
| Cash dividends to net income (ytd only)* | 71.5450% | 1,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0777% | 5,748 |
| Loan loss allowance to noncurrent loans | 573.1707% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 7,286 |
| Noncurrent loans to loans | 0.1880% | 7,047 |
| Net loans and leases to total assets | 42.2048% | 7,436 |
| Net loans and leases to deposits | 47.3207% | 7,581 |
| Net loans and leases to core deposits | 58.2679% | 7,515 |
| Total domestic deposits to total assets | 89.1888% | 1,176 |
| Equity capital to assets | 7.1300% | 7,531 |
| Core capital (leverage) ratio | 9.2359% | 4,260 |
| Tier 1 risk-based capital ratio | 10.8146% | 6,066 |
| Total risk-based capital ratio | 11.3536% | 6,744 |
| Memoranda: |
| Average total assets | $204,696,670 | 3,169 |
| Average earning assets | $194,326,670 | 3,084 |
| Average equity | $13,448,000 | 4,432 |
| Average total loans | $88,729,330 | 4,311 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1786% | 6,384 |
| Cost of funding earning assets | 0.9270% | 7,780 |
| Net interest margin | 4.2516% | 1,740 |
| Noninterest income to average assets | 1.4530% | 665 |
| Noninterest expense to average assets | 2.9137% | 4,114 |
| Loan and lease loss provision to assets | 0.0586% | 6,227 |
| Net operating income to assets | 2.5114% | 135 |
| Return on assets (ROA) | 2.5114% | 163 |
| Pretax return on assets | 2.5114% | 256 |
| Return on Equity (ROE) | 39.9270% | 45 |
| Retained earnings to average equity (ytd only) | 12.6674% | 690 |
| Net charge-offs to loans | 0.0402% | 4,927 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 146.2222% | 304 |
| Efficiency ratio | 53.1339% | 7,305 |
| Assets per employee ($millions) | 3.2174% | 5,553 |
| Cash dividends to net income (ytd only)* | 68.2737% | 1,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0853% | 5,580 |
| Loan loss allowance to noncurrent loans | 290.9091% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 7,068 |
| Noncurrent loans to loans | 0.3731% | 6,487 |
| Net loans and leases to total assets | 43.1637% | 7,402 |
| Net loans and leases to deposits | 47.9340% | 7,577 |
| Net loans and leases to core deposits | 62.4784% | 7,371 |
| Total domestic deposits to total assets | 90.0482% | 780 |
| Equity capital to assets | 6.5833% | 7,843 |
| Core capital (leverage) ratio | 9.2424% | 4,343 |
| Tier 1 risk-based capital ratio | 16.9597% | 2,354 |
| Total risk-based capital ratio | 17.8375% | 2,411 |
| Memoranda: |
| Average total assets | $204,822,000 | 3,185 |
| Average earning assets | $194,184,500 | 3,093 |
| Average equity | $12,883,500 | 4,608 |
| Average total loans | $89,481,000 | 4,327 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8888% | 6,094 |
| Cost of funding earning assets | 1.4313% | 7,705 |
| Net interest margin | 4.4575% | 1,523 |
| Noninterest income to average assets | 1.4170% | 721 |
| Noninterest expense to average assets | 3.1183% | 3,626 |
| Loan and lease loss provision to assets | 0.0305% | 7,022 |
| Net operating income to assets | 2.4755% | 134 |
| Return on assets (ROA) | 2.0922% | 281 |
| Pretax return on assets | 2.0922% | 493 |
| Return on Equity (ROE) | 24.7273% | 145 |
| Retained earnings to average equity (ytd only) | -1.2481% | 5,667 |
| Net charge-offs to loans | 0.0695% | 5,779 |
| Credit loss provision to net charge-offs | 96.7742% | 5,488 |
| Earnings coverage of net charge-offs (x) | 79.6129% | 521 |
| Efficiency ratio | 55.4432% | 7,094 |
| Assets per employee ($millions) | 3.5681% | 4,506 |
| Cash dividends to net income (ytd only)* | 105.0473% | 870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0374% | 5,731 |
| Loan loss allowance to noncurrent loans | 319.3878% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 7,010 |
| Noncurrent loans to loans | 0.3248% | 6,399 |
| Net loans and leases to total assets | 43.2824% | 7,514 |
| Net loans and leases to deposits | 48.6197% | 7,684 |
| Net loans and leases to core deposits | 59.2968% | 7,610 |
| Total domestic deposits to total assets | 89.0224% | 1,031 |
| Equity capital to assets | 6.0030% | 8,062 |
| Core capital (leverage) ratio | 9.1514% | 4,524 |
| Tier 1 risk-based capital ratio | 15.1659% | 2,973 |
| Total risk-based capital ratio | 15.9485% | 3,121 |
| Memoranda: |
| Average total assets | $196,967,200 | 3,178 |
| Average earning assets | $185,910,800 | 3,107 |
| Average equity | $16,665,800 | 3,795 |
| Average total loans | $89,207,400 | 4,253 |
