| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6394% | 2,803 |
| Cost of funding earning assets | 0.9525% | 3,404 |
| Net interest margin | 3.6869% | 1,789 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 4.7920% | 242 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.0629% | 4,277 |
| Return on assets (ROA) | 0.0691% | 4,303 |
| Pretax return on assets | -0.2025% | 4,426 |
| Return on Equity (ROE) | 0.8400% | 4,276 |
| Retained earnings to average equity (ytd only) | 0.8371% | 3,868 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 105.5776% | 139 |
| Assets per employee ($millions) | 5.2727% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1805% | 2,401 |
| Loan loss allowance to noncurrent loans | 196.7559% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 1,849 |
| Noncurrent loans to loans | 0.6000% | 1,311 |
| Net loans and leases to total assets | 45.3100% | 3,847 |
| Net loans and leases to deposits | 52.0215% | 3,881 |
| Net loans and leases to core deposits | 52.8299% | 4,008 |
| Total domestic deposits to total assets | 87.1000% | 1,646 |
| Equity capital to assets | 8.5134% | 3,048 |
| Core capital (leverage) ratio | 9.9609% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $450,313,800 | 1,858 |
| Average earning assets | $411,565,800 | 1,871 |
| Average equity | $37,154,000 | 1,973 |
| Average total loans | $205,550,800 | 2,250 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5123% | 2,883 |
| Cost of funding earning assets | 0.8615% | 3,371 |
| Net interest margin | 3.6507% | 1,884 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 4.5720% | 268 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 0.0800% | 4,332 |
| Return on assets (ROA) | 0.0760% | 4,354 |
| Pretax return on assets | -0.1260% | 4,455 |
| Return on Equity (ROE) | 0.9300% | 4,322 |
| Retained earnings to average equity (ytd only) | 0.9285% | 3,967 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 104.2692% | 135 |
| Assets per employee ($millions) | 5.9615% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1747% | 2,499 |
| Loan loss allowance to noncurrent loans | 194.3910% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 1,916 |
| Noncurrent loans to loans | 0.6043% | 1,334 |
| Net loans and leases to total assets | 44.4600% | 3,897 |
| Net loans and leases to deposits | 50.3346% | 3,924 |
| Net loans and leases to core deposits | 54.1744% | 3,919 |
| Total domestic deposits to total assets | 88.3300% | 1,466 |
| Equity capital to assets | 7.6117% | 3,285 |
| Core capital (leverage) ratio | 9.9704% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $450,847,750 | 1,851 |
| Average earning assets | $411,961,750 | 1,863 |
| Average equity | $36,903,750 | 1,969 |
| Average total loans | $205,561,250 | 2,250 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3939% | 2,898 |
| Cost of funding earning assets | 0.7374% | 3,382 |
| Net interest margin | 3.6566% | 1,904 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 4.3564% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0372% | 4,399 |
| Return on assets (ROA) | 0.0312% | 4,432 |
| Pretax return on assets | -0.1285% | 4,497 |
| Return on Equity (ROE) | 0.3700% | 4,415 |
| Retained earnings to average equity (ytd only) | 0.3728% | 4,010 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.8556% | 142 |
| Assets per employee ($millions) | 7.2030% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2898% | 1,972 |
| Loan loss allowance to noncurrent loans | 207.3552% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 1,879 |
| Noncurrent loans to loans | 0.6220% | 1,201 |
| Net loans and leases to total assets | 42.0200% | 3,963 |
| Net loans and leases to deposits | 47.4711% | 4,005 |
| Net loans and leases to core deposits | 52.1537% | 3,947 |
| Total domestic deposits to total assets | 88.5200% | 1,417 |
| Equity capital to assets | 7.6956% | 3,406 |
| Core capital (leverage) ratio | 9.9806% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $448,119,667 | 1,860 |
| Average earning assets | $409,839,000 | 1,876 |
| Average equity | $37,558,333 | 1,957 |
| Average total loans | $205,243,333 | 2,254 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3983% | 2,551 |
| Cost of funding earning assets | 0.5605% | 3,499 |
| Net interest margin | 3.8378% | 1,605 |
| Noninterest income to average assets | 1.1000% | 501 |
| Noninterest expense to average assets | 4.5470% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0408% | 4,456 |
| Return on assets (ROA) | 0.0408% | 4,439 |
| Pretax return on assets | 0.0576% | 4,427 |
| Return on Equity (ROE) | 0.4700% | 4,419 |
| Retained earnings to average equity (ytd only) | 0.4660% | 3,952 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.7500% | 190 |
| Assets per employee ($millions) | 7.1727% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2933% | 2,062 |
| Loan loss allowance to noncurrent loans | 207.3552% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 1,770 |
| Noncurrent loans to loans | 0.6237% | 1,205 |
| Net loans and leases to total assets | 43.3800% | 3,893 |
| Net loans and leases to deposits | 49.3265% | 3,917 |
| Net loans and leases to core deposits | 51.1367% | 3,949 |
| Total domestic deposits to total assets | 87.9500% | 1,943 |
| Equity capital to assets | 8.2782% | 3,055 |
| Core capital (leverage) ratio | 9.9835% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $430,879,000 | 1,941 |
| Average earning assets | $393,245,000 | 1,956 |
| Average equity | $37,768,000 | 1,970 |
| Average total loans | $205,138,000 | 2,270 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2964% | 3,589 |
| Cost of funding earning assets | 0.2741% | 3,111 |
| Net interest margin | 3.0223% | 3,389 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 4.2323% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.4471% | 4,640 |
| Return on assets (ROA) | -0.4450% | 4,633 |
| Pretax return on assets | -0.6922% | 4,640 |
| Return on Equity (ROE) | -4.8000% | 4,626 |
| Retained earnings to average equity (ytd only) | -4.7998% | 4,568 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 119.6446% | 66 |
| Assets per employee ($millions) | 5.9930% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3707% | 1,603 |
| Loan loss allowance to noncurrent loans | 217.7108% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 1,543 |
| Noncurrent loans to loans | 0.6296% | 1,176 |
| Net loans and leases to total assets | 51.2100% | 3,417 |
| Net loans and leases to deposits | 59.5050% | 3,361 |
| Net loans and leases to core deposits | 60.9788% | 3,451 |
| Total domestic deposits to total assets | 86.0600% | 2,705 |
| Equity capital to assets | 9.3395% | 2,120 |
| Core capital (leverage) ratio | 10.7454% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $404,082,200 | 2,016 |
| Average earning assets | $368,067,200 | 2,034 |
| Average equity | $37,459,800 | 2,021 |
| Average total loans | $200,159,400 | 2,230 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9957% | 3,895 |
| Cost of funding earning assets | 0.1914% | 3,380 |
| Net interest margin | 2.8043% | 3,727 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 3.9511% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.5734% | 4,685 |
| Return on assets (ROA) | -0.5698% | 4,672 |
| Pretax return on assets | -0.5698% | 4,666 |
| Return on Equity (ROE) | -6.1600% | 4,672 |
| Retained earnings to average equity (ytd only) | -6.1576% | 4,627 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 116.9760% | 75 |
| Assets per employee ($millions) | 6.6331% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3685% | 1,723 |
| Loan loss allowance to noncurrent loans | 212.7740% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 1,612 |
| Noncurrent loans to loans | 0.6432% | 1,264 |
| Net loans and leases to total assets | 50.9800% | 3,386 |
| Net loans and leases to deposits | 60.1120% | 3,193 |
| Net loans and leases to core deposits | 61.5841% | 3,263 |
| Total domestic deposits to total assets | 84.8000% | 3,334 |
| Equity capital to assets | 8.0535% | 2,862 |
| Core capital (leverage) ratio | 10.6556% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $406,219,000 | 2,022 |
| Average earning assets | $370,658,500 | 2,038 |
| Average equity | $37,589,500 | 2,042 |
| Average total loans | $198,857,750 | 2,234 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7687% | 4,033 |
| Cost of funding earning assets | 0.1684% | 3,338 |
| Net interest margin | 2.6003% | 3,910 |
| Noninterest income to average assets | 0.8397% | 968 |
| Noninterest expense to average assets | 3.5040% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2856% | 4,653 |
| Return on assets (ROA) | -0.2802% | 4,628 |
| Pretax return on assets | -0.2802% | 4,618 |
| Return on Equity (ROE) | -2.9060% | 4,640 |
| Retained earnings to average equity (ytd only) | -2.9060% | 4,449 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8740% | 122 |
| Assets per employee ($millions) | 6.2769% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3972% | 1,765 |
| Loan loss allowance to noncurrent loans | 191.2364% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 1,417 |
| Noncurrent loans to loans | 0.7306% | 1,180 |
| Net loans and leases to total assets | 53.6429% | 3,003 |
| Net loans and leases to deposits | 65.4550% | 2,593 |
| Net loans and leases to core deposits | 67.4082% | 2,705 |
| Total domestic deposits to total assets | 81.9538% | 4,007 |
| Equity capital to assets | 9.6174% | 1,926 |
| Core capital (leverage) ratio | 11.1896% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $408,963,000 | 2,017 |
| Average earning assets | $374,112,667 | 2,052 |
| Average equity | $39,435,333 | 2,024 |
| Average total loans | $196,577,333 | 2,256 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7174% | 3,909 |
| Cost of funding earning assets | 0.1726% | 3,190 |
| Net interest margin | 2.5449% | 3,798 |
| Noninterest income to average assets | 0.7995% | 1,048 |
| Noninterest expense to average assets | 3.1961% | 606 |
| Loan and lease loss provision to assets | 0.1214% | 684 |
| Net operating income to assets | -0.1765% | 4,631 |
| Return on assets (ROA) | -0.1765% | 4,615 |
| Pretax return on assets | -0.1765% | 4,610 |
| Return on Equity (ROE) | -1.8285% | 4,633 |
| Retained earnings to average equity (ytd only) | -1.8285% | 4,239 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7544% | 215 |
| Assets per employee ($millions) | 8.5799% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4857% | 1,595 |
| Loan loss allowance to noncurrent loans | 208.5694% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 1,705 |
| Noncurrent loans to loans | 0.7123% | 1,333 |
| Net loans and leases to total assets | 48.4240% | 3,342 |
| Net loans and leases to deposits | 56.4210% | 3,223 |
| Net loans and leases to core deposits | 58.3206% | 3,285 |
| Total domestic deposits to total assets | 85.8262% | 3,314 |
| Equity capital to assets | 9.6965% | 2,136 |
| Core capital (leverage) ratio | 9.9611% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $428,275,500 | 1,952 |
| Average earning assets | $394,049,500 | 1,976 |
| Average equity | $41,344,500 | 2,003 |
| Average total loans | $194,128,500 | 2,273 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8084% | 4,194 |
| Cost of funding earning assets | 0.1818% | 3,640 |
| Net interest margin | 2.6266% | 4,009 |
| Noninterest income to average assets | 0.1434% | 4,440 |
| Noninterest expense to average assets | 2.5633% | 1,979 |
| Loan and lease loss provision to assets | 0.0335% | 2,384 |
| Net operating income to assets | 0.0488% | 4,660 |
| Return on assets (ROA) | 0.0621% | 4,662 |
| Pretax return on assets | 0.0718% | 4,660 |
| Return on Equity (ROE) | 0.6232% | 4,643 |
| Retained earnings to average equity (ytd only) | 0.6232% | 4,347 |
| Net charge-offs to loans | 0.2601% | 348 |
| Credit loss provision to net charge-offs | 27.5294% | 2,246 |
| Earnings coverage of net charge-offs (x) | 0.7388% | 2,637 |
| Efficiency ratio | 96.6124% | 192 |
| Assets per employee ($millions) | 11.6229% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4813% | 1,630 |
| Loan loss allowance to noncurrent loans | 193.8705% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 1,957 |
| Noncurrent loans to loans | 0.7641% | 1,328 |
| Net loans and leases to total assets | 41.3030% | 4,011 |
| Net loans and leases to deposits | 48.0378% | 3,993 |
| Net loans and leases to core deposits | 49.4671% | 4,034 |
| Total domestic deposits to total assets | 85.9802% | 2,916 |
| Equity capital to assets | 9.6156% | 3,031 |
| Core capital (leverage) ratio | 11.2664% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $349,353,600 | 2,199 |
| Average earning assets | $333,818,400 | 2,170 |
| Average equity | $34,822,200 | 2,299 |
| Average total loans | $163,391,800 | 2,517 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8468% | 4,241 |
| Cost of funding earning assets | 0.1931% | 3,689 |
| Net interest margin | 2.6537% | 4,050 |
| Noninterest income to average assets | 0.1707% | 4,349 |
| Noninterest expense to average assets | 2.3424% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2768% | 4,550 |
| Return on assets (ROA) | 0.2944% | 4,549 |
| Pretax return on assets | 0.4119% | 4,481 |
| Return on Equity (ROE) | 2.9174% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.9174% | 3,935 |
| Net charge-offs to loans | 0.1914% | 442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4.2000% | 2,278 |
| Efficiency ratio | 85.7380% | 443 |
| Assets per employee ($millions) | 13.1854% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6619% | 1,192 |
| Loan loss allowance to noncurrent loans | 173.0149% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 1,560 |
| Noncurrent loans to loans | 0.9605% | 1,198 |
| Net loans and leases to total assets | 50.0213% | 3,413 |
| Net loans and leases to deposits | 57.5265% | 3,445 |
| Net loans and leases to core deposits | 60.8135% | 3,412 |
| Total domestic deposits to total assets | 86.9535% | 2,371 |
| Equity capital to assets | 12.7869% | 1,057 |
| Core capital (leverage) ratio | 13.1413% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $323,368,500 | 2,351 |
| Average earning assets | $312,106,250 | 2,292 |
| Average equity | $32,631,000 | 2,433 |
| Average total loans | $156,730,000 | 2,614 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7683% | 4,389 |
| Cost of funding earning assets | 0.1955% | 3,801 |
| Net interest margin | 2.5728% | 4,209 |
| Noninterest income to average assets | 0.2127% | 4,130 |
| Noninterest expense to average assets | 1.7369% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6787% | 3,810 |
| Return on assets (ROA) | 0.7056% | 3,818 |
| Pretax return on assets | 0.9934% | 3,457 |
| Return on Equity (ROE) | 7.7381% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.7381% | 2,178 |
| Net charge-offs to loans | 0.2983% | 292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 6.7556% | 1,943 |
| Efficiency ratio | 64.4195% | 2,374 |
| Assets per employee ($millions) | 11.5086% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8352% | 834 |
| Loan loss allowance to noncurrent loans | 169.5728% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 1,515 |
| Noncurrent loans to loans | 1.0822% | 1,122 |
| Net loans and leases to total assets | 49.8872% | 3,567 |
| Net loans and leases to deposits | 55.2315% | 3,769 |
| Net loans and leases to core deposits | 59.5383% | 3,656 |
| Total domestic deposits to total assets | 90.3238% | 637 |
| Equity capital to assets | 9.3367% | 3,476 |
| Core capital (leverage) ratio | 9.1738% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $316,884,667 | 2,377 |
| Average earning assets | $305,893,667 | 2,315 |
| Average equity | $28,896,000 | 2,629 |
| Average total loans | $150,846,333 | 2,675 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6899% | 4,492 |
| Cost of funding earning assets | 0.1939% | 3,964 |
| Net interest margin | 2.4961% | 4,302 |
| Noninterest income to average assets | 0.2925% | 3,658 |
| Noninterest expense to average assets | 1.8990% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5630% | 4,034 |
| Return on assets (ROA) | 0.6163% | 3,964 |
| Pretax return on assets | 0.8751% | 3,659 |
| Return on Equity (ROE) | 6.8382% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.8382% | 2,630 |
| Net charge-offs to loans | 0.6109% | 133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2.8711% | 1,790 |
| Efficiency ratio | 70.1617% | 1,675 |
| Assets per employee ($millions) | 11.7841% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9394% | 686 |
| Loan loss allowance to noncurrent loans | 155.9742% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 1,683 |
| Noncurrent loans to loans | 1.2434% | 1,052 |
| Net loans and leases to total assets | 44.4083% | 4,090 |
| Net loans and leases to deposits | 49.5055% | 4,189 |
| Net loans and leases to core deposits | 52.5478% | 4,171 |
| Total domestic deposits to total assets | 89.7037% | 964 |
| Equity capital to assets | 8.5160% | 4,101 |
| Core capital (leverage) ratio | 8.7612% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $319,961,500 | 2,341 |
| Average earning assets | $309,448,500 | 2,273 |
| Average equity | $28,838,000 | 2,628 |
| Average total loans | $147,313,000 | 2,723 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2043% | 4,446 |
| Cost of funding earning assets | 0.2798% | 4,250 |
| Net interest margin | 2.9244% | 4,064 |
| Noninterest income to average assets | 0.1887% | 4,344 |
| Noninterest expense to average assets | 1.5264% | 4,759 |
| Loan and lease loss provision to assets | 0.4036% | 774 |
| Net operating income to assets | 0.7473% | 3,270 |
| Return on assets (ROA) | 1.0866% | 2,096 |
| Pretax return on assets | 1.5211% | 1,266 |
| Return on Equity (ROE) | 11.5746% | 1,447 |
| Retained earnings to average equity (ytd only) | 10.5357% | 488 |
| Net charge-offs to loans | -0.0054% | 4,156 |
| Credit loss provision to net charge-offs | -17,142.8571% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5175% | 4,497 |
| Assets per employee ($millions) | 11.4803% | 362 |
| Cash dividends to net income (ytd only)* | 8.9755% | 3,573 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1508% | 450 |
| Loan loss allowance to noncurrent loans | 147.4504% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 1,524 |
| Noncurrent loans to loans | 1.4587% | 922 |
| Net loans and leases to total assets | 45.8362% | 4,133 |
| Net loans and leases to deposits | 51.7847% | 4,225 |
| Net loans and leases to core deposits | 54.2485% | 4,246 |
| Total domestic deposits to total assets | 88.5130% | 1,220 |
| Equity capital to assets | 9.5419% | 3,569 |
| Core capital (leverage) ratio | 8.9411% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $297,357,400 | 2,301 |
| Average earning assets | $288,054,800 | 2,237 |
| Average equity | $27,914,600 | 2,602 |
| Average total loans | $130,428,800 | 2,862 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2782% | 4,503 |
| Cost of funding earning assets | 0.3030% | 4,306 |
| Net interest margin | 2.9752% | 4,033 |
| Noninterest income to average assets | 0.3177% | 3,587 |
| Noninterest expense to average assets | 1.5825% | 4,742 |
| Loan and lease loss provision to assets | 0.5438% | 505 |
| Net operating income to assets | 0.7533% | 3,274 |
| Return on assets (ROA) | 1.2105% | 1,733 |
| Pretax return on assets | 1.6537% | 1,059 |
| Return on Equity (ROE) | 12.9505% | 1,124 |
| Retained earnings to average equity (ytd only) | 12.9505% | 332 |
| Net charge-offs to loans | -0.0074% | 4,155 |
| Credit loss provision to net charge-offs | -17,142.8571% | 4,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4337% | 4,531 |
| Assets per employee ($millions) | 11.1551% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1799% | 362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 44.8667% | 4,378 |
| Net loans and leases to deposits | 50.7877% | 4,461 |
| Net loans and leases to core deposits | 53.3849% | 4,478 |
| Total domestic deposits to total assets | 88.3417% | 1,038 |
| Equity capital to assets | 9.4159% | 3,756 |
| Core capital (leverage) ratio | 8.9857% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $294,204,500 | 2,305 |
| Average earning assets | $285,153,000 | 2,242 |
| Average equity | $27,499,000 | 2,622 |
| Average total loans | $126,735,750 | 2,910 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3354% | 4,610 |
| Cost of funding earning assets | 0.3496% | 4,270 |
| Net interest margin | 2.9858% | 4,157 |
| Noninterest income to average assets | 0.4386% | 2,868 |
| Noninterest expense to average assets | 1.5367% | 4,826 |
| Loan and lease loss provision to assets | 0.8329% | 286 |
| Net operating income to assets | 0.6703% | 3,500 |
| Return on assets (ROA) | 1.1161% | 2,032 |
| Pretax return on assets | 1.5262% | 1,399 |
| Return on Equity (ROE) | 11.9723% | 1,340 |
| Retained earnings to average equity (ytd only) | 11.9723% | 464 |
| Net charge-offs to loans | -0.0115% | 4,242 |
| Credit loss provision to net charge-offs | -17,142.8571% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1250% | 4,719 |
| Assets per employee ($millions) | 10.1240% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2438% | 315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 44.7977% | 4,414 |
| Net loans and leases to deposits | 51.6131% | 4,459 |
| Net loans and leases to core deposits | 53.9411% | 4,500 |
| Total domestic deposits to total assets | 86.7951% | 1,699 |
| Equity capital to assets | 9.3234% | 3,809 |
| Core capital (leverage) ratio | 8.6579% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $288,158,333 | 2,320 |
| Average earning assets | $279,187,667 | 2,257 |
| Average equity | $26,862,000 | 2,657 |
| Average total loans | $121,227,333 | 2,966 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5024% | 4,628 |
| Cost of funding earning assets | 0.4465% | 4,168 |
| Net interest margin | 3.0559% | 4,186 |
| Noninterest income to average assets | 0.0899% | 4,863 |
| Noninterest expense to average assets | 1.5665% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0826% | 1,896 |
| Return on assets (ROA) | 1.0871% | 1,985 |
| Pretax return on assets | 1.4880% | 1,334 |
| Return on Equity (ROE) | 11.6627% | 1,205 |
| Retained earnings to average equity (ytd only) | 11.6627% | 462 |
| Net charge-offs to loans | -0.0107% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3804% | 4,584 |
| Assets per employee ($millions) | 9.8588% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7251% | 831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 38.2557% | 4,721 |
| Net loans and leases to deposits | 42.4360% | 4,792 |
| Net loans and leases to core deposits | 46.3807% | 4,765 |
| Total domestic deposits to total assets | 90.1492% | 279 |
| Equity capital to assets | 9.3961% | 4,313 |
| Core capital (leverage) ratio | 9.0633% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $280,377,000 | 2,322 |
| Average earning assets | $271,471,500 | 2,254 |
| Average equity | $26,134,500 | 2,702 |
| Average total loans | $112,249,500 | 3,051 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5769% | 4,799 |
| Cost of funding earning assets | 0.3501% | 4,593 |
| Net interest margin | 3.2268% | 4,135 |
| Noninterest income to average assets | 0.0982% | 4,933 |
| Noninterest expense to average assets | 1.6395% | 4,920 |
| Loan and lease loss provision to assets | 0.1155% | 1,827 |
| Net operating income to assets | 1.0367% | 2,708 |
| Return on assets (ROA) | 1.1122% | 2,487 |
| Pretax return on assets | 1.5554% | 1,635 |
| Return on Equity (ROE) | 12.0998% | 1,472 |
| Retained earnings to average equity (ytd only) | 10.8973% | 346 |
| Net charge-offs to loans | -0.0124% | 4,529 |
| Credit loss provision to net charge-offs | -2,315.3846% | 4,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9968% | 4,672 |
| Assets per employee ($millions) | 10.1796% | 346 |
| Cash dividends to net income (ytd only)* | 9.9379% | 3,752 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6925% | 813 |
| Loan loss allowance to noncurrent loans | 387.0707% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 3,751 |
| Noncurrent loans to loans | 0.4373% | 2,879 |
| Net loans and leases to total assets | 40.4906% | 4,718 |
| Net loans and leases to deposits | 44.6834% | 4,814 |
| Net loans and leases to core deposits | 51.1185% | 4,730 |
| Total domestic deposits to total assets | 90.6167% | 174 |
| Equity capital to assets | 9.2433% | 4,535 |
| Core capital (leverage) ratio | 9.3068% | 4,272 |
| Tier 1 risk-based capital ratio | 19.3491% | 1,449 |
| Total risk-based capital ratio | 20.6021% | 1,413 |
| Memoranda: |
| Average total assets | $260,573,600 | 2,392 |
| Average earning assets | $251,670,400 | 2,326 |
| Average equity | $23,950,800 | 2,801 |
| Average total loans | $104,829,600 | 3,156 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5760% | 4,903 |
| Cost of funding earning assets | 0.3377% | 4,698 |
| Net interest margin | 3.2383% | 4,214 |
| Noninterest income to average assets | 0.0996% | 4,993 |
| Noninterest expense to average assets | 1.6025% | 5,000 |
| Loan and lease loss provision to assets | 0.0472% | 2,955 |
| Net operating income to assets | 1.1493% | 2,369 |
| Return on assets (ROA) | 1.1735% | 2,371 |
| Pretax return on assets | 1.6046% | 1,622 |
| Return on Equity (ROE) | 12.7862% | 1,358 |
| Retained earnings to average equity (ytd only) | 12.7862% | 301 |
| Net charge-offs to loans | -0.0130% | 4,459 |
| Credit loss provision to net charge-offs | -910.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7103% | 4,762 |
| Assets per employee ($millions) | 10.1839% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6414% | 921 |
| Loan loss allowance to noncurrent loans | 308.5145% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 3,736 |
| Noncurrent loans to loans | 0.5320% | 2,691 |
| Net loans and leases to total assets | 38.5420% | 4,861 |
| Net loans and leases to deposits | 42.8466% | 4,941 |
| Net loans and leases to core deposits | 46.9840% | 4,897 |
| Total domestic deposits to total assets | 89.9536% | 299 |
| Equity capital to assets | 9.6370% | 4,349 |
| Core capital (leverage) ratio | 9.3664% | 4,305 |
| Tier 1 risk-based capital ratio | 22.1785% | 1,044 |
| Total risk-based capital ratio | 23.4327% | 1,015 |
| Memoranda: |
| Average total assets | $257,004,750 | 2,434 |
| Average earning assets | $247,943,000 | 2,366 |
| Average equity | $23,587,250 | 2,839 |
| Average total loans | $102,736,000 | 3,226 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5438% | 4,982 |
| Cost of funding earning assets | 0.3199% | 4,772 |
| Net interest margin | 3.2239% | 4,307 |
| Noninterest income to average assets | 0.0998% | 5,040 |
| Noninterest expense to average assets | 1.6076% | 5,053 |
| Loan and lease loss provision to assets | 0.0448% | 2,927 |
| Net operating income to assets | 1.1392% | 2,374 |
| Return on assets (ROA) | 1.1753% | 2,315 |
| Pretax return on assets | 1.6068% | 1,529 |
| Return on Equity (ROE) | 13.0317% | 1,230 |
| Retained earnings to average equity (ytd only) | 13.0317% | 297 |
| Net charge-offs to loans | -0.0137% | 4,421 |
| Credit loss provision to net charge-offs | -814.2857% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0245% | 4,782 |
| Assets per employee ($millions) | 8.9099% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6247% | 977 |
| Loan loss allowance to noncurrent loans | 533.9744% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,147 |
| Noncurrent loans to loans | 0.3043% | 3,458 |
| Net loans and leases to total assets | 39.0399% | 4,878 |
| Net loans and leases to deposits | 43.2511% | 4,967 |
| Net loans and leases to core deposits | 47.1722% | 4,927 |
| Total domestic deposits to total assets | 90.2634% | 256 |
| Equity capital to assets | 9.4444% | 4,452 |
| Core capital (leverage) ratio | 9.2850% | 4,372 |
| Tier 1 risk-based capital ratio | 21.6565% | 1,097 |
| Total risk-based capital ratio | 22.9102% | 1,075 |
| Memoranda: |
| Average total assets | $254,412,670 | 2,460 |
| Average earning assets | $245,725,000 | 2,384 |
| Average equity | $22,944,000 | 2,885 |
| Average total loans | $102,396,330 | 3,253 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5483% | 5,004 |
| Cost of funding earning assets | 0.3182% | 4,784 |
| Net interest margin | 3.2300% | 4,328 |
| Noninterest income to average assets | 0.1014% | 5,073 |
| Noninterest expense to average assets | 1.6021% | 5,096 |
| Loan and lease loss provision to assets | 0.0143% | 3,248 |
| Net operating income to assets | 1.1758% | 2,150 |
| Return on assets (ROA) | 1.1758% | 2,196 |
| Pretax return on assets | 1.6052% | 1,460 |
| Return on Equity (ROE) | 13.3606% | 1,121 |
| Retained earnings to average equity (ytd only) | 13.3606% | 417 |
| Net charge-offs to loans | -0.0117% | 4,287 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7295% | 4,855 |
| Assets per employee ($millions) | 9.2872% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5975% | 1,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 38.2320% | 4,949 |
| Net loans and leases to deposits | 42.0062% | 5,040 |
| Net loans and leases to core deposits | 45.9928% | 4,990 |
| Total domestic deposits to total assets | 91.0153% | 170 |
| Equity capital to assets | 8.7986% | 4,822 |
| Core capital (leverage) ratio | 8.8093% | 4,785 |
| Tier 1 risk-based capital ratio | 20.5408% | 1,240 |
| Total risk-based capital ratio | 21.7934% | 1,219 |
| Memoranda: |
| Average total assets | $252,425,500 | 2,489 |
| Average earning assets | $243,836,500 | 2,425 |
| Average equity | $22,214,500 | 2,955 |
| Average total loans | $102,324,500 | 3,286 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2194% | 5,136 |
| Cost of funding earning assets | 0.2599% | 4,756 |
| Net interest margin | 2.9595% | 4,840 |
| Noninterest income to average assets | 0.1190% | 5,084 |
| Noninterest expense to average assets | 1.4690% | 5,240 |
| Loan and lease loss provision to assets | 0.1462% | 1,459 |
| Net operating income to assets | 0.9919% | 3,046 |
| Return on assets (ROA) | 0.9919% | 3,041 |
| Pretax return on assets | 1.3561% | 2,293 |
| Return on Equity (ROE) | 11.1665% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.7737% | 661 |
| Net charge-offs to loans | -0.0132% | 4,572 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4395% | 4,971 |
| Assets per employee ($millions) | 9.7924% | 363 |
| Cash dividends to net income (ytd only)* | 12.4727% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5461% | 1,161 |
| Loan loss allowance to noncurrent loans | 3,408.5106% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,575 |
| Noncurrent loans to loans | 0.0454% | 4,541 |
| Net loans and leases to total assets | 41.6707% | 4,892 |
| Net loans and leases to deposits | 45.7546% | 4,989 |
| Net loans and leases to core deposits | 50.8005% | 4,921 |
| Total domestic deposits to total assets | 91.0743% | 185 |
| Equity capital to assets | 8.8023% | 4,734 |
| Core capital (leverage) ratio | 9.2352% | 4,412 |
| Tier 1 risk-based capital ratio | 19.6883% | 1,357 |
| Total risk-based capital ratio | 20.9403% | 1,328 |
| Memoranda: |
| Average total assets | $231,175,000 | 2,609 |
| Average earning assets | $222,808,800 | 2,541 |
| Average equity | $20,534,600 | 3,044 |
| Average total loans | $98,619,800 | 3,332 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1583% | 5,218 |
| Cost of funding earning assets | 0.2703% | 4,673 |
| Net interest margin | 2.8880% | 4,991 |
| Noninterest income to average assets | 0.1200% | 5,133 |
| Noninterest expense to average assets | 1.4570% | 5,302 |
| Loan and lease loss provision to assets | 0.1264% | 1,590 |
| Net operating income to assets | 0.9659% | 3,236 |
| Return on assets (ROA) | 0.9659% | 3,249 |
| Pretax return on assets | 1.3200% | 2,545 |
| Return on Equity (ROE) | 10.8473% | 2,238 |
| Retained earnings to average equity (ytd only) | 10.8473% | 681 |
| Net charge-offs to loans | -0.0137% | 4,485 |
| Credit loss provision to net charge-offs | -2,160.0000% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1815% | 4,935 |
| Assets per employee ($millions) | 9.1883% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4218% | 1,617 |
| Loan loss allowance to noncurrent loans | 3,077.0833% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,682 |
| Noncurrent loans to loans | 0.0462% | 4,689 |
| Net loans and leases to total assets | 44.5811% | 4,862 |
| Net loans and leases to deposits | 49.2689% | 4,975 |
| Net loans and leases to core deposits | 53.7804% | 4,920 |
| Total domestic deposits to total assets | 90.4853% | 351 |
| Equity capital to assets | 9.1438% | 4,424 |
| Core capital (leverage) ratio | 9.5447% | 4,122 |
| Tier 1 risk-based capital ratio | 19.4777% | 1,441 |
| Total risk-based capital ratio | 20.7288% | 1,411 |
| Memoranda: |
| Average total assets | $227,766,250 | 2,643 |
| Average earning assets | $219,522,000 | 2,580 |
| Average equity | $20,281,000 | 3,092 |
| Average total loans | $97,370,750 | 3,376 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0835% | 5,298 |
| Cost of funding earning assets | 0.2629% | 4,678 |
| Net interest margin | 2.8206% | 5,098 |
| Noninterest income to average assets | 0.1171% | 5,203 |
| Noninterest expense to average assets | 1.4327% | 5,378 |
| Loan and lease loss provision to assets | 0.1268% | 1,564 |
| Net operating income to assets | 0.9378% | 3,287 |
| Return on assets (ROA) | 0.9378% | 3,292 |
| Pretax return on assets | 1.2786% | 2,596 |
| Return on Equity (ROE) | 10.6287% | 2,267 |
| Retained earnings to average equity (ytd only) | 10.6287% | 758 |
| Net charge-offs to loans | -0.0147% | 4,451 |
| Credit loss provision to net charge-offs | -2,057.1429% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4809% | 4,999 |
| Assets per employee ($millions) | 8.3638% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4304% | 1,639 |
| Loan loss allowance to noncurrent loans | 261.5672% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,669 |
| Noncurrent loans to loans | 0.5469% | 2,780 |
| Net loans and leases to total assets | 42.7826% | 4,957 |
| Net loans and leases to deposits | 47.2077% | 5,055 |
| Net loans and leases to core deposits | 51.2169% | 5,014 |
| Total domestic deposits to total assets | 90.6263% | 355 |
| Equity capital to assets | 9.0770% | 4,503 |
| Core capital (leverage) ratio | 9.2861% | 4,374 |
| Tier 1 risk-based capital ratio | 20.0523% | 1,308 |
| Total risk-based capital ratio | 21.3036% | 1,281 |
| Memoranda: |
| Average total assets | $227,119,330 | 2,660 |
| Average earning assets | $219,100,670 | 2,592 |
| Average equity | $20,040,000 | 3,126 |
| Average total loans | $95,200,000 | 3,426 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9865% | 5,382 |
| Cost of funding earning assets | 0.2477% | 4,722 |
| Net interest margin | 2.7388% | 5,223 |
| Noninterest income to average assets | 0.1124% | 5,283 |
| Noninterest expense to average assets | 1.3628% | 5,465 |
| Loan and lease loss provision to assets | 0.1264% | 1,490 |
| Net operating income to assets | 0.9308% | 3,155 |
| Return on assets (ROA) | 0.9308% | 3,176 |
| Pretax return on assets | 1.2644% | 2,495 |
| Return on Equity (ROE) | 10.7011% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.7011% | 962 |
| Net charge-offs to loans | -0.0128% | 4,352 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4898% | 5,113 |
| Assets per employee ($millions) | 9.7369% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4688% | 1,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,926 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 38.0649% | 5,134 |
| Net loans and leases to deposits | 41.6987% | 5,229 |
| Net loans and leases to core deposits | 58.5430% | 4,721 |
| Total domestic deposits to total assets | 91.2857% | 229 |
| Equity capital to assets | 8.5299% | 4,946 |
| Core capital (leverage) ratio | 8.6577% | 5,014 |
| Tier 1 risk-based capital ratio | 20.9089% | 1,215 |
| Total risk-based capital ratio | 22.1607% | 1,187 |
| Memoranda: |
| Average total assets | $227,767,500 | 2,678 |
| Average earning assets | $219,657,000 | 2,618 |
| Average equity | $19,811,000 | 3,176 |
| Average total loans | $93,792,500 | 3,468 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8853% | 5,423 |
| Cost of funding earning assets | 0.2457% | 4,606 |
| Net interest margin | 2.6395% | 5,324 |
| Noninterest income to average assets | 0.1307% | 5,291 |
| Noninterest expense to average assets | 1.3463% | 5,546 |
| Loan and lease loss provision to assets | 0.0406% | 3,455 |
| Net operating income to assets | 0.7537% | 3,375 |
| Return on assets (ROA) | 0.7537% | 3,414 |
| Pretax return on assets | 1.2801% | 2,431 |
| Return on Equity (ROE) | 8.5220% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.0339% | 1,060 |
| Net charge-offs to loans | -0.0159% | 4,894 |
| Credit loss provision to net charge-offs | -621.4286% | 4,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4812% | 5,195 |
| Assets per employee ($millions) | 9.2438% | 413 |
| Cash dividends to net income (ytd only)* | 17.4613% | 3,748 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2856% | 2,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 4,944 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 43.2977% | 5,012 |
| Net loans and leases to deposits | 47.5904% | 5,138 |
| Net loans and leases to core deposits | 68.0862% | 4,285 |
| Total domestic deposits to total assets | 90.9799% | 242 |
| Equity capital to assets | 8.8749% | 4,839 |
| Core capital (leverage) ratio | 9.0790% | 4,550 |
| Tier 1 risk-based capital ratio | 18.8302% | 1,549 |
| Total risk-based capital ratio | 20.0247% | 1,521 |
| Memoranda: |
| Average total assets | $214,284,800 | 2,772 |
| Average earning assets | $205,909,200 | 2,714 |
| Average equity | $18,951,000 | 3,248 |
| Average total loans | $88,044,200 | 3,559 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8632% | 5,495 |
| Cost of funding earning assets | 0.2437% | 4,623 |
| Net interest margin | 2.6195% | 5,392 |
| Noninterest income to average assets | 0.1312% | 5,350 |
| Noninterest expense to average assets | 1.3421% | 5,600 |
| Loan and lease loss provision to assets | 0.0960% | 2,180 |
| Net operating income to assets | 0.7728% | 3,634 |
| Return on assets (ROA) | 0.7728% | 3,684 |
| Pretax return on assets | 1.2097% | 2,864 |
| Return on Equity (ROE) | 8.7459% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.7459% | 930 |
| Net charge-offs to loans | -0.0155% | 4,765 |
| Credit loss provision to net charge-offs | -1,530.0000% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6875% | 5,200 |
| Assets per employee ($millions) | 9.0574% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4527% | 1,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 5,036 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 40.9758% | 5,156 |
| Net loans and leases to deposits | 45.2273% | 5,282 |
| Net loans and leases to core deposits | 67.4313% | 4,389 |
| Total domestic deposits to total assets | 90.5997% | 295 |
| Equity capital to assets | 8.9821% | 4,929 |
| Core capital (leverage) ratio | 9.1091% | 4,625 |
| Tier 1 risk-based capital ratio | 19.4612% | 1,491 |
| Total risk-based capital ratio | 20.7121% | 1,452 |
| Memoranda: |
| Average total assets | $212,393,500 | 2,817 |
| Average earning assets | $204,054,000 | 2,748 |
| Average equity | $18,766,500 | 3,296 |
| Average total loans | $85,728,500 | 3,644 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8404% | 5,539 |
| Cost of funding earning assets | 0.2412% | 4,628 |
| Net interest margin | 2.5992% | 5,437 |
| Noninterest income to average assets | 0.1300% | 5,402 |
| Noninterest expense to average assets | 1.3325% | 5,656 |
| Loan and lease loss provision to assets | 0.0968% | 2,065 |
| Net operating income to assets | 0.7640% | 3,574 |
| Return on assets (ROA) | 0.7640% | 3,620 |
| Pretax return on assets | 1.1958% | 2,784 |
| Return on Equity (ROE) | 8.6963% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.6963% | 939 |
| Net charge-offs to loans | -0.0166% | 4,703 |
| Credit loss provision to net charge-offs | -1,457.1429% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7592% | 5,258 |
| Assets per employee ($millions) | 9.2898% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4884% | 1,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 5,088 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.9982% | 5,259 |
| Net loans and leases to deposits | 42.9930% | 5,367 |
| Net loans and leases to core deposits | 64.7067% | 4,559 |
| Total domestic deposits to total assets | 90.7084% | 297 |
| Equity capital to assets | 8.9467% | 4,949 |
| Core capital (leverage) ratio | 8.9186% | 4,816 |
| Tier 1 risk-based capital ratio | 20.1605% | 1,340 |
| Total risk-based capital ratio | 21.4111% | 1,309 |
| Memoranda: |
| Average total assets | $210,732,330 | 2,857 |
| Average earning assets | $202,295,000 | 2,785 |
| Average equity | $18,513,670 | 3,332 |
| Average total loans | $84,176,330 | 3,692 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7903% | 5,602 |
| Cost of funding earning assets | 0.2343% | 4,679 |
| Net interest margin | 2.5559% | 5,501 |
| Noninterest income to average assets | 0.1357% | 5,431 |
| Noninterest expense to average assets | 1.3361% | 5,724 |
| Loan and lease loss provision to assets | 0.0975% | 1,933 |
| Net operating income to assets | 0.7397% | 3,518 |
| Return on assets (ROA) | 0.7397% | 3,572 |
| Pretax return on assets | 1.1622% | 2,735 |
| Return on Equity (ROE) | 8.4997% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.4997% | 1,275 |
| Net charge-offs to loans | -0.0191% | 4,718 |
| Credit loss provision to net charge-offs | -1,275.0000% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4728% | 5,291 |
| Assets per employee ($millions) | 9.4055% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4173% | 2,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,148 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 38.7437% | 5,296 |
| Net loans and leases to deposits | 42.4703% | 5,403 |
| Net loans and leases to core deposits | 60.4367% | 4,752 |
| Total domestic deposits to total assets | 91.2253% | 237 |
| Equity capital to assets | 8.5533% | 5,200 |
| Core capital (leverage) ratio | 8.5764% | 5,172 |
| Tier 1 risk-based capital ratio | 19.6657% | 1,456 |
| Total risk-based capital ratio | 20.9162% | 1,430 |
| Memoranda: |
| Average total assets | $209,265,500 | 2,896 |
| Average earning assets | $201,414,000 | 2,819 |
| Average equity | $18,212,500 | 3,386 |
| Average total loans | $83,972,000 | 3,718 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6040% | 5,727 |
| Cost of funding earning assets | 0.2554% | 4,517 |
| Net interest margin | 2.3485% | 5,682 |
| Noninterest income to average assets | 0.1165% | 5,596 |
| Noninterest expense to average assets | 1.3646% | 5,793 |
| Loan and lease loss provision to assets | 0.0542% | 3,298 |
| Net operating income to assets | 0.6077% | 4,177 |
| Return on assets (ROA) | 0.6077% | 4,291 |
| Pretax return on assets | 0.9603% | 3,618 |
| Return on Equity (ROE) | 6.8128% | 3,574 |
| Retained earnings to average equity (ytd only) | 5.2531% | 2,161 |
| Net charge-offs to loans | 0.0187% | 3,685 |
| Credit loss provision to net charge-offs | 771.4286% | 473 |
| Earnings coverage of net charge-offs (x) | 144.2857% | 440 |
| Efficiency ratio | 57.3570% | 4,922 |
| Assets per employee ($millions) | 8.4252% | 514 |
| Cash dividends to net income (ytd only)* | 22.8926% | 3,611 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3868% | 2,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 5,186 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 40.4423% | 5,296 |
| Net loans and leases to deposits | 45.5968% | 5,380 |
| Net loans and leases to core deposits | 62.4726% | 4,728 |
| Total domestic deposits to total assets | 88.6956% | 1,272 |
| Equity capital to assets | 8.8633% | 4,950 |
| Core capital (leverage) ratio | 9.1362% | 4,574 |
| Tier 1 risk-based capital ratio | 20.3344% | 1,317 |
| Total risk-based capital ratio | 21.5854% | 1,291 |
| Memoranda: |
| Average total assets | $199,101,800 | 2,964 |
| Average earning assets | $191,821,000 | 2,877 |
| Average equity | $17,760,800 | 3,443 |
| Average total loans | $74,807,200 | 3,928 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5786% | 5,799 |
| Cost of funding earning assets | 0.2595% | 4,514 |
| Net interest margin | 2.3192% | 5,766 |
| Noninterest income to average assets | 0.1150% | 5,660 |
| Noninterest expense to average assets | 1.3553% | 5,839 |
| Loan and lease loss provision to assets | 0.0592% | 3,076 |
| Net operating income to assets | 0.5862% | 4,346 |
| Return on assets (ROA) | 0.5862% | 4,461 |
| Pretax return on assets | 0.9358% | 3,860 |
| Return on Equity (ROE) | 6.5610% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.5610% | 1,870 |
| Net charge-offs to loans | 0.0311% | 3,029 |
| Credit loss provision to net charge-offs | 517.6471% | 687 |
| Earnings coverage of net charge-offs (x) | 87.0437% | 721 |
| Efficiency ratio | 57.6659% | 4,862 |
| Assets per employee ($millions) | 9.1819% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5606% | 1,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,302 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 35.1917% | 5,580 |
| Net loans and leases to deposits | 38.8863% | 5,659 |
| Net loans and leases to core deposits | 53.6012% | 5,236 |
| Total domestic deposits to total assets | 90.4991% | 323 |
| Equity capital to assets | 9.0969% | 5,077 |
| Core capital (leverage) ratio | 9.0546% | 4,772 |
| Tier 1 risk-based capital ratio | 22.2985% | 1,092 |
| Total risk-based capital ratio | 23.5499% | 1,075 |
| Memoranda: |
| Average total assets | $198,326,250 | 2,984 |
| Average earning assets | $191,156,500 | 2,895 |
| Average equity | $17,720,500 | 3,475 |
| Average total loans | $72,777,500 | 3,998 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5868% | 5,878 |
| Cost of funding earning assets | 0.2629% | 4,518 |
| Net interest margin | 2.3239% | 5,850 |
| Noninterest income to average assets | 0.1076% | 5,752 |
| Noninterest expense to average assets | 1.3607% | 5,914 |
| Loan and lease loss provision to assets | 0.0710% | 2,717 |
| Net operating income to assets | 0.5723% | 4,389 |
| Return on assets (ROA) | 0.5723% | 4,515 |
| Pretax return on assets | 0.9183% | 3,884 |
| Return on Equity (ROE) | 6.4450% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.4450% | 1,897 |
| Net charge-offs to loans | 0.0548% | 2,418 |
| Credit loss provision to net charge-offs | 350.0000% | 854 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 1,010 |
| Efficiency ratio | 57.9016% | 4,916 |
| Assets per employee ($millions) | 8.9879% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5113% | 1,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 5,172 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 36.4505% | 5,588 |
| Net loans and leases to deposits | 40.2332% | 5,683 |
| Net loans and leases to core deposits | 56.3879% | 5,147 |
| Total domestic deposits to total assets | 90.5980% | 292 |
| Equity capital to assets | 9.0713% | 5,192 |
| Core capital (leverage) ratio | 8.9412% | 4,893 |
| Tier 1 risk-based capital ratio | 21.5310% | 1,196 |
| Total risk-based capital ratio | 22.7820% | 1,177 |
| Memoranda: |
| Average total assets | $197,101,000 | 3,012 |
| Average earning assets | $190,197,000 | 2,925 |
| Average equity | $17,502,000 | 3,514 |
| Average total loans | $72,965,000 | 4,020 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5919% | 5,935 |
| Cost of funding earning assets | 0.2628% | 4,578 |
| Net interest margin | 2.3291% | 5,915 |
| Noninterest income to average assets | 0.0976% | 5,831 |
| Noninterest expense to average assets | 1.3639% | 5,974 |
| Loan and lease loss provision to assets | 0.0813% | 2,330 |
| Net operating income to assets | 0.5671% | 4,337 |
| Return on assets (ROA) | 0.5671% | 4,438 |
| Pretax return on assets | 0.9045% | 3,829 |
| Return on Equity (ROE) | 6.4567% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.4567% | 2,162 |
| Net charge-offs to loans | 0.1318% | 1,314 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 20.2083% | 1,475 |
| Efficiency ratio | 58.0450% | 4,992 |
| Assets per employee ($millions) | 9.1490% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4844% | 2,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 5,235 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 35.3811% | 5,662 |
| Net loans and leases to deposits | 38.8456% | 5,748 |
| Net loans and leases to core deposits | 55.0808% | 5,183 |
| Total domestic deposits to total assets | 91.0814% | 249 |
| Equity capital to assets | 8.6965% | 5,426 |
| Core capital (leverage) ratio | 8.7508% | 5,126 |
| Tier 1 risk-based capital ratio | 21.3458% | 1,253 |
| Total risk-based capital ratio | 22.5971% | 1,232 |
| Memoranda: |
| Average total assets | $196,784,500 | 3,022 |
| Average earning assets | $190,287,500 | 2,927 |
| Average equity | $17,284,500 | 3,544 |
| Average total loans | $72,857,000 | 4,051 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5843% | 5,970 |
| Cost of funding earning assets | 0.2832% | 4,442 |
| Net interest margin | 2.3011% | 5,943 |
| Noninterest income to average assets | 0.1140% | 5,833 |
| Noninterest expense to average assets | 1.4059% | 6,030 |
| Loan and lease loss provision to assets | 0.0885% | 2,526 |
| Net operating income to assets | 0.5340% | 4,566 |
| Return on assets (ROA) | 0.5361% | 4,644 |
| Pretax return on assets | 0.8482% | 4,030 |
| Return on Equity (ROE) | 5.8363% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.6076% | 2,705 |
| Net charge-offs to loans | 0.1001% | 2,415 |
| Credit loss provision to net charge-offs | 235.2941% | 1,215 |
| Earnings coverage of net charge-offs (x) | 24.8088% | 1,651 |
| Efficiency ratio | 60.0993% | 4,896 |
| Assets per employee ($millions) | 9.1568% | 363 |
| Cash dividends to net income (ytd only)* | 21.0526% | 3,747 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4382% | 2,256 |
| Loan loss allowance to noncurrent loans | 520.1970% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 5,181 |
| Noncurrent loans to loans | 0.2765% | 4,468 |
| Net loans and leases to total assets | 37.6360% | 5,639 |
| Net loans and leases to deposits | 44.9783% | 5,613 |
| Net loans and leases to core deposits | 61.9021% | 4,882 |
| Total domestic deposits to total assets | 83.6759% | 3,598 |
| Equity capital to assets | 8.8745% | 5,244 |
| Core capital (leverage) ratio | 9.1343% | 4,704 |
| Tier 1 risk-based capital ratio | 21.3151% | 1,248 |
| Total risk-based capital ratio | 22.5659% | 1,229 |
| Memoranda: |
| Average total assets | $180,734,200 | 3,157 |
| Average earning assets | $174,787,000 | 3,054 |
| Average equity | $16,603,000 | 3,586 |
| Average total loans | $67,945,400 | 4,143 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5959% | 6,049 |
| Cost of funding earning assets | 0.2882% | 4,467 |
| Net interest margin | 2.3077% | 6,031 |
| Noninterest income to average assets | 0.1177% | 5,887 |
| Noninterest expense to average assets | 1.4177% | 6,088 |
| Loan and lease loss provision to assets | 0.0712% | 2,755 |
| Net operating income to assets | 0.5459% | 4,607 |
| Return on assets (ROA) | 0.5488% | 4,699 |
| Pretax return on assets | 0.8667% | 4,107 |
| Return on Equity (ROE) | 5.9195% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.9195% | 2,299 |
| Net charge-offs to loans | 0.1422% | 1,701 |
| Credit loss provision to net charge-offs | 133.8028% | 1,838 |
| Earnings coverage of net charge-offs (x) | 17.5360% | 2,051 |
| Efficiency ratio | 60.2997% | 4,847 |
| Assets per employee ($millions) | 9.4842% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4292% | 2,458 |
| Loan loss allowance to noncurrent loans | 3,659.2593% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,745 |
| Noncurrent loans to loans | 0.0391% | 5,457 |
| Net loans and leases to total assets | 35.9241% | 5,785 |
| Net loans and leases to deposits | 39.6045% | 5,880 |
| Net loans and leases to core deposits | 54.4143% | 5,382 |
| Total domestic deposits to total assets | 90.7071% | 339 |
| Equity capital to assets | 8.9328% | 5,367 |
| Core capital (leverage) ratio | 9.1822% | 4,749 |
| Tier 1 risk-based capital ratio | 21.8749% | 1,213 |
| Total risk-based capital ratio | 23.1250% | 1,193 |
| Memoranda: |
| Average total assets | $177,844,750 | 3,227 |
| Average earning assets | $172,112,500 | 3,117 |
| Average equity | $16,487,500 | 3,625 |
| Average total loans | $66,575,000 | 4,222 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6056% | 6,113 |
| Cost of funding earning assets | 0.2865% | 4,545 |
| Net interest margin | 2.3191% | 6,089 |
| Noninterest income to average assets | 0.1242% | 5,929 |
| Noninterest expense to average assets | 1.4468% | 6,145 |
| Loan and lease loss provision to assets | 0.0690% | 2,733 |
| Net operating income to assets | 0.5394% | 4,611 |
| Return on assets (ROA) | 0.5394% | 4,721 |
| Pretax return on assets | 0.8522% | 4,123 |
| Return on Equity (ROE) | 5.7422% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.7422% | 2,387 |
| Net charge-offs to loans | 0.2282% | 1,127 |
| Credit loss provision to net charge-offs | 80.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 10.6800% | 2,346 |
| Efficiency ratio | 61.0976% | 4,812 |
| Assets per employee ($millions) | 8.6158% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4052% | 2,728 |
| Loan loss allowance to noncurrent loans | 3,514.8148% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 5,835 |
| Noncurrent loans to loans | 0.0400% | 5,588 |
| Net loans and leases to total assets | 36.8006% | 5,785 |
| Net loans and leases to deposits | 40.6173% | 5,884 |
| Net loans and leases to core deposits | 55.1146% | 5,366 |
| Total domestic deposits to total assets | 90.6031% | 415 |
| Equity capital to assets | 9.1034% | 5,148 |
| Core capital (leverage) ratio | 9.2012% | 4,692 |
| Tier 1 risk-based capital ratio | 22.0898% | 1,193 |
| Total risk-based capital ratio | 23.3405% | 1,174 |
| Memoranda: |
| Average total assets | $173,898,670 | 3,295 |
| Average earning assets | $168,252,330 | 3,187 |
| Average equity | $16,335,330 | 3,666 |
| Average total loans | $65,723,330 | 4,282 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5830% | 6,188 |
| Cost of funding earning assets | 0.2816% | 4,650 |
| Net interest margin | 2.3014% | 6,160 |
| Noninterest income to average assets | 0.1291% | 5,953 |
| Noninterest expense to average assets | 1.5025% | 6,176 |
| Loan and lease loss provision to assets | 0.0704% | 2,530 |
| Net operating income to assets | 0.4930% | 4,715 |
| Return on assets (ROA) | 0.4930% | 4,835 |
| Pretax return on assets | 0.7818% | 4,308 |
| Return on Equity (ROE) | 5.1637% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.1637% | 2,965 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8086% | 4,511 |
| Assets per employee ($millions) | 8.9397% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5240% | 2,353 |
| Loan loss allowance to noncurrent loans | 974.5098% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 5,705 |
| Noncurrent loans to loans | 0.1564% | 5,215 |
| Net loans and leases to total assets | 35.9223% | 5,830 |
| Net loans and leases to deposits | 39.6627% | 5,927 |
| Net loans and leases to core deposits | 53.5323% | 5,396 |
| Total domestic deposits to total assets | 90.5696% | 504 |
| Equity capital to assets | 9.2117% | 5,071 |
| Core capital (leverage) ratio | 9.2377% | 4,664 |
| Tier 1 risk-based capital ratio | 22.3801% | 1,184 |
| Total risk-based capital ratio | 23.6304% | 1,168 |
| Memoranda: |
| Average total assets | $170,382,000 | 3,357 |
| Average earning assets | $164,772,500 | 3,255 |
| Average equity | $16,267,500 | 3,704 |
| Average total loans | $64,818,500 | 4,340 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6408% | 6,288 |
| Cost of funding earning assets | 0.2790% | 5,013 |
| Net interest margin | 2.3618% | 6,243 |
| Noninterest income to average assets | 0.1289% | 6,047 |
| Noninterest expense to average assets | 1.4911% | 6,300 |
| Loan and lease loss provision to assets | 0.1140% | 2,271 |
| Net operating income to assets | 0.5012% | 4,804 |
| Return on assets (ROA) | 0.5123% | 4,847 |
| Pretax return on assets | 0.8122% | 4,213 |
| Return on Equity (ROE) | 5.3465% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.0277% | 3,342 |
| Net charge-offs to loans | 0.6453% | 600 |
| Credit loss provision to net charge-offs | 47.1795% | 3,546 |
| Earnings coverage of net charge-offs (x) | 3.7615% | 3,814 |
| Efficiency ratio | 62.1322% | 4,895 |
| Assets per employee ($millions) | 8.0985% | 520 |
| Cash dividends to net income (ytd only)* | 24.6675% | 3,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4965% | 2,496 |
| Loan loss allowance to noncurrent loans | 1,285.3333% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 5,848 |
| Noncurrent loans to loans | 0.1164% | 5,429 |
| Net loans and leases to total assets | 39.1752% | 5,792 |
| Net loans and leases to deposits | 46.2650% | 5,785 |
| Net loans and leases to core deposits | 62.5914% | 4,954 |
| Total domestic deposits to total assets | 84.6756% | 3,429 |
| Equity capital to assets | 9.9185% | 4,215 |
| Core capital (leverage) ratio | 9.9206% | 3,688 |
| Tier 1 risk-based capital ratio | 22.4306% | 1,159 |
| Total risk-based capital ratio | 23.6820% | 1,144 |
| Memoranda: |
| Average total assets | $161,419,200 | 3,470 |
| Average earning assets | $155,218,000 | 3,356 |
| Average equity | $15,468,000 | 3,753 |
| Average total loans | $60,433,200 | 4,474 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6037% | 6,374 |
| Cost of funding earning assets | 0.2814% | 5,081 |
| Net interest margin | 2.3223% | 6,329 |
| Noninterest income to average assets | 0.1248% | 6,140 |
| Noninterest expense to average assets | 1.4682% | 6,369 |
| Loan and lease loss provision to assets | 0.1364% | 1,833 |
| Net operating income to assets | 0.4740% | 4,979 |
| Return on assets (ROA) | 0.4820% | 5,016 |
| Pretax return on assets | 0.7639% | 4,492 |
| Return on Equity (ROE) | 5.0742% | 4,687 |
| Retained earnings to average equity (ytd only) | 5.0742% | 3,037 |
| Net charge-offs to loans | 0.8749% | 377 |
| Credit loss provision to net charge-offs | 42.3077% | 3,249 |
| Earnings coverage of net charge-offs (x) | 2.7538% | 3,831 |
| Efficiency ratio | 62.3158% | 4,844 |
| Assets per employee ($millions) | 8.1423% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4822% | 2,813 |
| Loan loss allowance to noncurrent loans | 317.1141% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 5,480 |
| Noncurrent loans to loans | 0.4674% | 4,507 |
| Net loans and leases to total assets | 38.5702% | 5,910 |
| Net loans and leases to deposits | 43.6335% | 5,990 |
| Net loans and leases to core deposits | 58.3606% | 5,310 |
| Total domestic deposits to total assets | 88.3958% | 1,557 |
| Equity capital to assets | 9.7325% | 4,511 |
| Core capital (leverage) ratio | 9.8740% | 3,846 |
| Tier 1 risk-based capital ratio | 22.4345% | 1,199 |
| Total risk-based capital ratio | 23.6851% | 1,181 |
| Memoranda: |
| Average total assets | $161,281,500 | 3,504 |
| Average earning assets | $154,954,500 | 3,385 |
| Average equity | $15,318,750 | 3,799 |
| Average total loans | $59,437,500 | 4,548 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5607% | 6,460 |
| Cost of funding earning assets | 0.2802% | 5,178 |
| Net interest margin | 2.2805% | 6,417 |
| Noninterest income to average assets | 0.1257% | 6,180 |
| Noninterest expense to average assets | 1.4668% | 6,438 |
| Loan and lease loss provision to assets | 0.0498% | 3,307 |
| Net operating income to assets | 0.5039% | 4,795 |
| Return on assets (ROA) | 0.5151% | 4,841 |
| Pretax return on assets | 0.8136% | 4,219 |
| Return on Equity (ROE) | 5.4682% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.4682% | 2,655 |
| Net charge-offs to loans | 0.5173% | 787 |
| Credit loss provision to net charge-offs | 26.6667% | 3,100 |
| Earnings coverage of net charge-offs (x) | 4.5333% | 3,090 |
| Efficiency ratio | 63.4212% | 4,787 |
| Assets per employee ($millions) | 8.7750% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7678% | 1,928 |
| Loan loss allowance to noncurrent loans | 194.4954% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 5,071 |
| Noncurrent loans to loans | 0.9089% | 3,442 |
| Net loans and leases to total assets | 35.3288% | 6,084 |
| Net loans and leases to deposits | 39.0408% | 6,191 |
| Net loans and leases to core deposits | 51.2089% | 5,722 |
| Total domestic deposits to total assets | 90.4921% | 591 |
| Equity capital to assets | 9.3591% | 4,903 |
| Core capital (leverage) ratio | 9.4272% | 4,435 |
| Tier 1 risk-based capital ratio | 22.9628% | 1,115 |
| Total risk-based capital ratio | 24.2165% | 1,099 |
| Memoranda: |
| Average total assets | $160,760,000 | 3,525 |
| Average earning assets | $154,173,670 | 3,408 |
| Average equity | $15,142,000 | 3,831 |
| Average total loans | $57,998,330 | 4,615 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5566% | 6,534 |
| Cost of funding earning assets | 0.2755% | 5,327 |
| Net interest margin | 2.2811% | 6,484 |
| Noninterest income to average assets | 0.1318% | 6,185 |
| Noninterest expense to average assets | 1.4704% | 6,513 |
| Loan and lease loss provision to assets | 0.0254% | 3,503 |
| Net operating income to assets | 0.5197% | 4,590 |
| Return on assets (ROA) | 0.5197% | 4,662 |
| Pretax return on assets | 0.8189% | 4,034 |
| Return on Equity (ROE) | 5.4993% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.4993% | 2,790 |
| Net charge-offs to loans | 0.0140% | 3,317 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 166.5000% | 297 |
| Efficiency ratio | 63.5268% | 4,934 |
| Assets per employee ($millions) | 9.5822% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0294% | 1,459 |
| Loan loss allowance to noncurrent loans | 150.0637% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 4,769 |
| Noncurrent loans to loans | 1.3524% | 2,783 |
| Net loans and leases to total assets | 32.9708% | 6,229 |
| Net loans and leases to deposits | 36.2182% | 6,308 |
| Net loans and leases to core deposits | 47.2632% | 5,915 |
| Total domestic deposits to total assets | 91.0337% | 559 |
| Equity capital to assets | 8.7738% | 5,367 |
| Core capital (leverage) ratio | 9.8427% | 3,802 |
| Tier 1 risk-based capital ratio | 23.1427% | 1,124 |
| Total risk-based capital ratio | 24.3981% | 1,108 |
| Memoranda: |
| Average total assets | $157,777,500 | 3,594 |
| Average earning assets | $150,980,000 | 3,489 |
| Average equity | $14,911,000 | 3,876 |
| Average total loans | $57,016,500 | 4,684 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8544% | 6,463 |
| Cost of funding earning assets | 0.3132% | 5,484 |
| Net interest margin | 2.5412% | 6,335 |
| Noninterest income to average assets | 0.1694% | 6,070 |
| Noninterest expense to average assets | 1.5698% | 6,528 |
| Loan and lease loss provision to assets | 0.0986% | 3,156 |
| Net operating income to assets | 0.5789% | 4,364 |
| Return on assets (ROA) | 0.5995% | 4,379 |
| Pretax return on assets | 0.9441% | 3,586 |
| Return on Equity (ROE) | 5.4565% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.1006% | 3,260 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8376% | 5,372 |
| Assets per employee ($millions) | 8.9422% | 340 |
| Cash dividends to net income (ytd only)* | 24.8477% | 3,515 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0898% | 1,354 |
| Loan loss allowance to noncurrent loans | 146.4330% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 4,553 |
| Noncurrent loans to loans | 1.4271% | 2,750 |
| Net loans and leases to total assets | 38.3135% | 6,067 |
| Net loans and leases to deposits | 42.7863% | 6,184 |
| Net loans and leases to core deposits | 56.5176% | 5,493 |
| Total domestic deposits to total assets | 89.5460% | 1,304 |
| Equity capital to assets | 10.2666% | 3,428 |
| Core capital (leverage) ratio | 11.2989% | 2,120 |
| Tier 1 risk-based capital ratio | 23.6529% | 996 |
| Total risk-based capital ratio | 24.9091% | 979 |
| Memoranda: |
| Average total assets | $136,957,000 | 3,936 |
| Average earning assets | $129,939,200 | 3,844 |
| Average equity | $15,046,400 | 3,863 |
| Average total loans | $52,929,800 | 4,845 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8749% | 6,508 |
| Cost of funding earning assets | 0.3222% | 5,526 |
| Net interest margin | 2.5527% | 6,377 |
| Noninterest income to average assets | 0.1752% | 6,140 |
| Noninterest expense to average assets | 1.5644% | 6,588 |
| Loan and lease loss provision to assets | 0.1132% | 2,877 |
| Net operating income to assets | 0.5610% | 4,524 |
| Return on assets (ROA) | 0.5799% | 4,561 |
| Pretax return on assets | 0.9451% | 3,710 |
| Return on Equity (ROE) | 5.1884% | 4,634 |
| Retained earnings to average equity (ytd only) | 5.1884% | 2,943 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3265% | 5,387 |
| Assets per employee ($millions) | 7.6369% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0885% | 1,535 |
| Loan loss allowance to noncurrent loans | 209.8540% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 5,224 |
| Noncurrent loans to loans | 0.9952% | 3,816 |
| Net loans and leases to total assets | 39.2202% | 6,092 |
| Net loans and leases to deposits | 44.1549% | 6,196 |
| Net loans and leases to core deposits | 58.1609% | 5,437 |
| Total domestic deposits to total assets | 88.8241% | 1,654 |
| Equity capital to assets | 10.7649% | 2,997 |
| Core capital (leverage) ratio | 11.2703% | 2,230 |
| Tier 1 risk-based capital ratio | 23.7608% | 1,038 |
| Total risk-based capital ratio | 25.0174% | 1,016 |
| Memoranda: |
| Average total assets | $135,427,500 | 4,003 |
| Average earning assets | $128,279,000 | 3,916 |
| Average equity | $15,135,750 | 3,892 |
| Average total loans | $52,165,500 | 4,921 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8506% | 6,579 |
| Cost of funding earning assets | 0.3330% | 5,540 |
| Net interest margin | 2.5176% | 6,429 |
| Noninterest income to average assets | 0.1707% | 6,190 |
| Noninterest expense to average assets | 1.5406% | 6,649 |
| Loan and lease loss provision to assets | 0.0891% | 3,301 |
| Net operating income to assets | 0.5662% | 4,471 |
| Return on assets (ROA) | 0.5700% | 4,626 |
| Pretax return on assets | 0.9262% | 3,799 |
| Return on Equity (ROE) | 5.0366% | 4,714 |
| Retained earnings to average equity (ytd only) | 5.0366% | 3,035 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4191% | 5,415 |
| Assets per employee ($millions) | 7.7666% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9940% | 1,863 |
| Loan loss allowance to noncurrent loans | 157.3276% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 5,020 |
| Noncurrent loans to loans | 1.2674% | 3,437 |
| Net loans and leases to total assets | 38.4981% | 6,142 |
| Net loans and leases to deposits | 44.4191% | 6,203 |
| Net loans and leases to core deposits | 59.1169% | 5,336 |
| Total domestic deposits to total assets | 86.6701% | 3,018 |
| Equity capital to assets | 10.8735% | 2,871 |
| Core capital (leverage) ratio | 11.1952% | 2,176 |
| Tier 1 risk-based capital ratio | 23.3957% | 1,074 |
| Total risk-based capital ratio | 24.6508% | 1,058 |
| Memoranda: |
| Average total assets | $134,748,330 | 4,049 |
| Average earning assets | $127,342,330 | 3,955 |
| Average equity | $15,248,330 | 3,901 |
| Average total loans | $51,199,330 | 4,978 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9008% | 6,609 |
| Cost of funding earning assets | 0.3466% | 5,570 |
| Net interest margin | 2.5542% | 6,435 |
| Noninterest income to average assets | 0.1634% | 6,280 |
| Noninterest expense to average assets | 1.5519% | 6,700 |
| Loan and lease loss provision to assets | 0.0908% | 3,147 |
| Net operating income to assets | 0.5718% | 4,352 |
| Return on assets (ROA) | 0.5718% | 4,501 |
| Pretax return on assets | 0.9287% | 3,654 |
| Return on Equity (ROE) | 4.9502% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.9502% | 3,266 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3529% | 5,539 |
| Assets per employee ($millions) | 8.1216% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1478% | 1,694 |
| Loan loss allowance to noncurrent loans | 2,958.3333% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 6,535 |
| Noncurrent loans to loans | 0.0726% | 6,264 |
| Net loans and leases to total assets | 35.1424% | 6,356 |
| Net loans and leases to deposits | 39.6043% | 6,439 |
| Net loans and leases to core deposits | 53.5263% | 5,709 |
| Total domestic deposits to total assets | 88.7337% | 1,846 |
| Equity capital to assets | 11.0541% | 2,901 |
| Core capital (leverage) ratio | 11.3452% | 1,979 |
| Tier 1 risk-based capital ratio | 24.7519% | 922 |
| Total risk-based capital ratio | 26.0078% | 908 |
| Memoranda: |
| Average total assets | $132,223,000 | 4,132 |
| Average earning assets | $124,656,500 | 4,049 |
| Average equity | $15,272,000 | 3,945 |
| Average total loans | $49,341,500 | 5,079 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0808% | 6,735 |
| Cost of funding earning assets | 0.4054% | 5,879 |
| Net interest margin | 2.6755% | 6,551 |
| Noninterest income to average assets | 0.1819% | 6,096 |
| Noninterest expense to average assets | 1.6715% | 6,749 |
| Loan and lease loss provision to assets | 0.1317% | 3,975 |
| Net operating income to assets | 0.5611% | 4,423 |
| Return on assets (ROA) | 0.5827% | 4,579 |
| Pretax return on assets | 0.9382% | 3,786 |
| Return on Equity (ROE) | 4.7285% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.3661% | 3,853 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7325% | 5,277 |
| Assets per employee ($millions) | 7.8987% | 525 |
| Cash dividends to net income (ytd only)* | 28.8136% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1080% | 1,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 38.0308% | 6,306 |
| Net loans and leases to deposits | 43.3590% | 6,405 |
| Net loans and leases to core deposits | 56.6620% | 5,662 |
| Total domestic deposits to total assets | 87.7116% | 2,406 |
| Equity capital to assets | 12.0922% | 1,987 |
| Core capital (leverage) ratio | 12.2753% | 1,412 |
| Tier 1 risk-based capital ratio | 25.7044% | 793 |
| Total risk-based capital ratio | 26.9603% | 786 |
| Memoranda: |
| Average total assets | $121,505,600 | 4,331 |
| Average earning assets | $114,709,200 | 4,231 |
| Average equity | $14,973,000 | 3,974 |
| Average total loans | $43,054,200 | 5,376 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0720% | 6,866 |
| Cost of funding earning assets | 0.4186% | 6,000 |
| Net interest margin | 2.6534% | 6,701 |
| Noninterest income to average assets | 0.1807% | 6,222 |
| Noninterest expense to average assets | 1.6870% | 6,798 |
| Loan and lease loss provision to assets | 0.1197% | 4,053 |
| Net operating income to assets | 0.5193% | 4,767 |
| Return on assets (ROA) | 0.5320% | 4,970 |
| Pretax return on assets | 0.9023% | 4,087 |
| Return on Equity (ROE) | 4.2964% | 5,152 |
| Retained earnings to average equity (ytd only) | 4.2964% | 3,861 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7370% | 5,023 |
| Assets per employee ($millions) | 7.1901% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0935% | 1,919 |
| Loan loss allowance to noncurrent loans | 244.5274% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 5,870 |
| Noncurrent loans to loans | 0.8562% | 4,705 |
| Net loans and leases to total assets | 37.6099% | 6,442 |
| Net loans and leases to deposits | 44.0082% | 6,501 |
| Net loans and leases to core deposits | 60.1920% | 5,538 |
| Total domestic deposits to total assets | 85.4611% | 3,533 |
| Equity capital to assets | 12.4862% | 1,900 |
| Core capital (leverage) ratio | 12.4416% | 1,433 |
| Tier 1 risk-based capital ratio | 27.6019% | 695 |
| Total risk-based capital ratio | 28.8594% | 679 |
| Memoranda: |
| Average total assets | $120,287,250 | 4,393 |
| Average earning assets | $113,711,750 | 4,294 |
| Average equity | $14,895,750 | 4,029 |
| Average total loans | $41,543,250 | 5,498 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0614% | 6,953 |
| Cost of funding earning assets | 0.4292% | 6,102 |
| Net interest margin | 2.6322% | 6,796 |
| Noninterest income to average assets | 0.1839% | 6,252 |
| Noninterest expense to average assets | 1.6867% | 6,846 |
| Loan and lease loss provision to assets | 0.1304% | 3,898 |
| Net operating income to assets | 0.4973% | 4,828 |
| Return on assets (ROA) | 0.5166% | 5,006 |
| Pretax return on assets | 0.8776% | 4,164 |
| Return on Equity (ROE) | 4.1831% | 5,187 |
| Retained earnings to average equity (ytd only) | 4.1831% | 3,826 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2999% | 5,024 |
| Assets per employee ($millions) | 7.2740% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2304% | 1,706 |
| Loan loss allowance to noncurrent loans | 234.1523% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 5,937 |
| Noncurrent loans to loans | 0.9526% | 4,601 |
| Net loans and leases to total assets | 33.7819% | 6,736 |
| Net loans and leases to deposits | 38.9294% | 6,766 |
| Net loans and leases to core deposits | 51.1566% | 6,288 |
| Total domestic deposits to total assets | 86.7772% | 2,908 |
| Equity capital to assets | 12.1084% | 2,064 |
| Core capital (leverage) ratio | 12.0524% | 1,578 |
| Tier 1 risk-based capital ratio | 28.7850% | 587 |
| Total risk-based capital ratio | 30.0420% | 571 |
| Memoranda: |
| Average total assets | $119,639,330 | 4,431 |
| Average earning assets | $112,759,000 | 4,339 |
| Average equity | $14,773,670 | 4,038 |
| Average total loans | $39,739,670 | 5,614 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0650% | 7,024 |
| Cost of funding earning assets | 0.4399% | 6,209 |
| Net interest margin | 2.6251% | 6,861 |
| Noninterest income to average assets | 0.1632% | 6,407 |
| Noninterest expense to average assets | 1.6934% | 6,907 |
| Loan and lease loss provision to assets | 0.1020% | 4,061 |
| Net operating income to assets | 0.4965% | 4,845 |
| Return on assets (ROA) | 0.4965% | 5,050 |
| Pretax return on assets | 0.8433% | 4,255 |
| Return on Equity (ROE) | 3.9798% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.9798% | 4,197 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1753% | 4,892 |
| Assets per employee ($millions) | 7.7993% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3216% | 1,636 |
| Loan loss allowance to noncurrent loans | 105.2326% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,177 |
| Noncurrent loans to loans | 2.2062% | 2,911 |
| Net loans and leases to total assets | 30.5125% | 6,885 |
| Net loans and leases to deposits | 34.6669% | 6,929 |
| Net loans and leases to core deposits | 46.6869% | 6,525 |
| Total domestic deposits to total assets | 88.0165% | 2,309 |
| Equity capital to assets | 11.8112% | 2,177 |
| Core capital (leverage) ratio | 12.1717% | 1,494 |
| Tier 1 risk-based capital ratio | 31.2313% | 477 |
| Total risk-based capital ratio | 32.4891% | 467 |
| Memoranda: |
| Average total assets | $117,630,000 | 4,502 |
| Average earning assets | $110,929,500 | 4,413 |
| Average equity | $14,674,000 | 4,060 |
| Average total loans | $38,246,000 | 5,720 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1951% | 7,124 |
| Cost of funding earning assets | 0.4750% | 6,634 |
| Net interest margin | 2.7201% | 6,905 |
| Noninterest income to average assets | 0.1141% | 6,580 |
| Noninterest expense to average assets | 1.8296% | 6,919 |
| Loan and lease loss provision to assets | 0.1589% | 4,640 |
| Net operating income to assets | 0.4237% | 4,760 |
| Return on assets (ROA) | 0.4547% | 4,826 |
| Pretax return on assets | 0.7778% | 4,060 |
| Return on Equity (ROE) | 3.4824% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.4824% | 3,740 |
| Net charge-offs to loans | 0.0827% | 5,496 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 33.5517% | 771 |
| Efficiency ratio | 67.3161% | 4,512 |
| Assets per employee ($millions) | 7.3648% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3326% | 1,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 33.1632% | 6,901 |
| Net loans and leases to deposits | 41.1169% | 6,826 |
| Net loans and leases to core deposits | 55.1963% | 6,215 |
| Total domestic deposits to total assets | 80.6557% | 5,549 |
| Equity capital to assets | 13.2242% | 1,387 |
| Core capital (leverage) ratio | 13.2150% | 1,066 |
| Tier 1 risk-based capital ratio | 32.6242% | 401 |
| Total risk-based capital ratio | 33.8841% | 396 |
| Memoranda: |
| Average total assets | $109,534,000 | 4,653 |
| Average earning assets | $104,848,400 | 4,525 |
| Average equity | $14,300,400 | 4,047 |
| Average total loans | $35,066,000 | 5,911 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2149% | 7,206 |
| Cost of funding earning assets | 0.4856% | 6,764 |
| Net interest margin | 2.7293% | 6,964 |
| Noninterest income to average assets | 0.0952% | 6,768 |
| Noninterest expense to average assets | 1.8603% | 6,907 |
| Loan and lease loss provision to assets | 0.1635% | 4,427 |
| Net operating income to assets | 0.6904% | 3,675 |
| Return on assets (ROA) | 0.7356% | 3,625 |
| Pretax return on assets | 0.7356% | 4,361 |
| Return on Equity (ROE) | 5.6526% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.6526% | 2,772 |
| Net charge-offs to loans | 0.1122% | 4,888 |
| Credit loss provision to net charge-offs | 462.0690% | 600 |
| Earnings coverage of net charge-offs (x) | 24.1352% | 1,090 |
| Efficiency ratio | 68.5393% | 4,211 |
| Assets per employee ($millions) | 7.4117% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3597% | 1,606 |
| 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 | 31.0780% | 7,053 |
| Net loans and leases to deposits | 36.7365% | 7,066 |
| Net loans and leases to core deposits | 50.9331% | 6,626 |
| Total domestic deposits to total assets | 84.5973% | 3,964 |
| Equity capital to assets | 13.3078% | 1,461 |
| Core capital (leverage) ratio | 13.3022% | 1,107 |
| Tier 1 risk-based capital ratio | 33.6942% | 395 |
| Total risk-based capital ratio | 34.9516% | 385 |
| Memoranda: |
| Average total assets | $109,299,500 | 4,693 |
| Average earning assets | $104,884,250 | 4,550 |
| Average equity | $14,223,250 | 4,085 |
| Average total loans | $34,454,750 | 5,997 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1999% | 7,282 |
| Cost of funding earning assets | 0.4976% | 6,848 |
| Net interest margin | 2.7023% | 7,025 |
| Noninterest income to average assets | 0.0994% | 6,829 |
| Noninterest expense to average assets | 1.9085% | 6,936 |
| Loan and lease loss provision to assets | 0.1417% | 4,534 |
| Net operating income to assets | 0.6478% | 3,812 |
| Return on assets (ROA) | 0.6681% | 3,820 |
| Pretax return on assets | 0.6681% | 4,510 |
| Return on Equity (ROE) | 5.1736% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.1736% | 2,894 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7367% | 3,977 |
| Assets per employee ($millions) | 6.6008% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2894% | 1,764 |
| Loan loss allowance to noncurrent loans | 1,301.6129% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 6,962 |
| Noncurrent loans to loans | 0.1759% | 6,547 |
| Net loans and leases to total assets | 30.6943% | 7,154 |
| Net loans and leases to deposits | 37.1101% | 7,149 |
| Net loans and leases to core deposits | 49.4154% | 6,789 |
| Total domestic deposits to total assets | 82.7115% | 4,901 |
| Equity capital to assets | 12.9147% | 1,564 |
| Core capital (leverage) ratio | 12.8233% | 1,237 |
| Tier 1 risk-based capital ratio | 34.3384% | 371 |
| Total risk-based capital ratio | 35.5959% | 360 |
| Memoranda: |
| Average total assets | $108,674,330 | 4,742 |
| Average earning assets | $104,504,670 | 4,595 |
| Average equity | $14,032,670 | 4,113 |
| Average total loans | $34,144,330 | 6,062 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1881% | 7,341 |
| Cost of funding earning assets | 0.5126% | 6,929 |
| Net interest margin | 2.6755% | 7,041 |
| Noninterest income to average assets | 0.1085% | 6,864 |
| Noninterest expense to average assets | 1.9980% | 6,831 |
| Loan and lease loss provision to assets | 0.1122% | 4,610 |
| Net operating income to assets | 0.5762% | 4,152 |
| Return on assets (ROA) | 0.5837% | 4,187 |
| Pretax return on assets | 0.5837% | 4,748 |
| Return on Equity (ROE) | 4.5208% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.5208% | 3,458 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3733% | 3,453 |
| Assets per employee ($millions) | 6.5899% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2545% | 1,851 |
| Loan loss allowance to noncurrent loans | 1,225.8065% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 7,023 |
| Noncurrent loans to loans | 0.1839% | 6,603 |
| Net loans and leases to total assets | 29.4132% | 7,246 |
| Net loans and leases to deposits | 33.8796% | 7,274 |
| Net loans and leases to core deposits | 46.6874% | 6,942 |
| Total domestic deposits to total assets | 86.8167% | 3,044 |
| Equity capital to assets | 12.3996% | 1,682 |
| Core capital (leverage) ratio | 12.7481% | 1,216 |
| Tier 1 risk-based capital ratio | 34.5766% | 359 |
| Total risk-based capital ratio | 35.8345% | 352 |
| Memoranda: |
| Average total assets | $106,905,000 | 4,813 |
| Average earning assets | $103,008,500 | 4,659 |
| Average equity | $13,803,000 | 4,151 |
| Average total loans | $33,591,500 | 6,151 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4814% | 7,396 |
| Cost of funding earning assets | 0.5885% | 7,150 |
| Net interest margin | 2.8929% | 6,905 |
| Noninterest income to average assets | 0.1189% | 6,811 |
| Noninterest expense to average assets | 2.1379% | 6,757 |
| Loan and lease loss provision to assets | 0.1598% | 5,609 |
| Net operating income to assets | 0.5002% | 4,096 |
| Return on assets (ROA) | 0.5425% | 4,066 |
| Pretax return on assets | 0.6564% | 4,138 |
| Return on Equity (ROE) | 3.9412% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.9412% | 3,106 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6407% | 3,467 |
| Assets per employee ($millions) | 6.3614% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1809% | 1,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 32.1688% | 7,284 |
| Net loans and leases to deposits | 38.9823% | 7,286 |
| Net loans and leases to core deposits | 55.8661% | 6,697 |
| Total domestic deposits to total assets | 82.5215% | 5,010 |
| Equity capital to assets | 13.4749% | 1,186 |
| Core capital (leverage) ratio | 13.5237% | 974 |
| Tier 1 risk-based capital ratio | 35.1499% | 345 |
| Total risk-based capital ratio | 36.4080% | 338 |
| Memoranda: |
| Average total assets | $100,096,800 | 4,985 |
| Average earning assets | $96,339,600 | 4,814 |
| Average equity | $13,777,400 | 4,191 |
| Average total loans | $31,670,000 | 6,333 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5181% | 7,526 |
| Cost of funding earning assets | 0.6044% | 7,281 |
| Net interest margin | 2.9137% | 6,987 |
| Noninterest income to average assets | 0.1110% | 6,988 |
| Noninterest expense to average assets | 2.1402% | 6,756 |
| Loan and lease loss provision to assets | 0.1405% | 5,627 |
| Net operating income to assets | 0.6354% | 3,722 |
| Return on assets (ROA) | 0.6581% | 3,772 |
| Pretax return on assets | 0.6581% | 4,394 |
| Return on Equity (ROE) | 4.7559% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.7559% | 3,150 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3945% | 3,437 |
| Assets per employee ($millions) | 6.4546% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0261% | 2,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 31.6056% | 7,424 |
| Net loans and leases to deposits | 37.4617% | 7,437 |
| Net loans and leases to core deposits | 49.9633% | 7,125 |
| Total domestic deposits to total assets | 84.3676% | 3,927 |
| Equity capital to assets | 13.6347% | 1,303 |
| Core capital (leverage) ratio | 13.9187% | 935 |
| Tier 1 risk-based capital ratio | 35.7292% | 328 |
| Total risk-based capital ratio | 36.9846% | 324 |
| Memoranda: |
| Average total assets | $99,675,500 | 5,061 |
| Average earning assets | $95,958,000 | 4,894 |
| Average equity | $13,793,000 | 4,253 |
| Average total loans | $31,219,500 | 6,429 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5579% | 7,593 |
| Cost of funding earning assets | 0.6183% | 7,370 |
| Net interest margin | 2.9396% | 6,952 |
| Noninterest income to average assets | 0.1015% | 7,093 |
| Noninterest expense to average assets | 2.1467% | 6,775 |
| Loan and lease loss provision to assets | 0.1523% | 5,378 |
| Net operating income to assets | 0.6316% | 3,730 |
| Return on assets (ROA) | 0.6661% | 3,695 |
| Pretax return on assets | 0.6661% | 4,348 |
| Return on Equity (ROE) | 4.7894% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.7894% | 3,017 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2502% | 3,611 |
| Assets per employee ($millions) | 6.0776% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0752% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 31.3006% | 7,501 |
| Net loans and leases to deposits | 38.5357% | 7,480 |
| Net loans and leases to core deposits | 52.7066% | 7,100 |
| Total domestic deposits to total assets | 81.2250% | 5,325 |
| Equity capital to assets | 14.3756% | 1,045 |
| Core capital (leverage) ratio | 14.1594% | 889 |
| Tier 1 risk-based capital ratio | 36.8718% | 305 |
| Total risk-based capital ratio | 38.1268% | 296 |
| Memoranda: |
| Average total assets | $98,476,330 | 5,126 |
| Average earning assets | $94,775,670 | 4,969 |
| Average equity | $13,697,000 | 4,270 |
| Average total loans | $30,521,000 | 6,500 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5585% | 7,691 |
| Cost of funding earning assets | 0.6432% | 7,459 |
| Net interest margin | 2.9153% | 6,994 |
| Noninterest income to average assets | 0.1050% | 7,179 |
| Noninterest expense to average assets | 2.1434% | 6,827 |
| Loan and lease loss provision to assets | 0.1211% | 5,370 |
| Net operating income to assets | 0.6580% | 3,626 |
| Return on assets (ROA) | 0.6580% | 3,738 |
| Pretax return on assets | 0.6580% | 4,379 |
| Return on Equity (ROE) | 4.8097% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.8097% | 3,262 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3425% | 3,697 |
| Assets per employee ($millions) | 6.4545% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9939% | 2,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 30.4616% | 7,609 |
| Net loans and leases to deposits | 38.9977% | 7,546 |
| Net loans and leases to core deposits | 54.5673% | 7,073 |
| Total domestic deposits to total assets | 78.1113% | 6,288 |
| Equity capital to assets | 14.1308% | 1,106 |
| Core capital (leverage) ratio | 13.2595% | 1,136 |
| Tier 1 risk-based capital ratio | 29.3008% | 564 |
| Total risk-based capital ratio | 30.5504% | 550 |
| Memoranda: |
| Average total assets | $99,094,000 | 5,177 |
| Average earning assets | $95,771,500 | 4,996 |
| Average equity | $13,556,000 | 4,343 |
| Average total loans | $30,240,500 | 6,592 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2379% | 7,588 |
| Cost of funding earning assets | 1.0078% | 7,194 |
| Net interest margin | 3.2301% | 5,993 |
| Noninterest income to average assets | 0.1388% | 7,052 |
| Noninterest expense to average assets | 2.6849% | 5,456 |
| Loan and lease loss provision to assets | 0.3165% | 4,919 |
| Net operating income to assets | 0.2254% | 4,818 |
| Return on assets (ROA) | 0.4741% | 3,944 |
| Pretax return on assets | 0.4752% | 4,263 |
| Return on Equity (ROE) | 3.2275% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.2275% | 2,900 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1785% | 2,454 |
| Assets per employee ($millions) | 6.3357% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8757% | 2,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 29.4157% | 7,724 |
| Net loans and leases to deposits | 36.3040% | 7,716 |
| Net loans and leases to core deposits | 64.8056% | 7,042 |
| Total domestic deposits to total assets | 81.0261% | 5,338 |
| Equity capital to assets | 13.2494% | 1,413 |
| Core capital (leverage) ratio | 13.1388% | 1,208 |
| Tier 1 risk-based capital ratio | 28.8427% | 590 |
| Total risk-based capital ratio | 30.0602% | 575 |
| Memoranda: |
| Average total assets | $90,060,400 | 5,388 |
| Average earning assets | $86,128,000 | 5,256 |
| Average equity | $13,230,000 | 4,447 |
| Average total loans | $29,309,200 | 6,671 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3927% | 7,617 |
| Cost of funding earning assets | 1.0826% | 7,214 |
| Net interest margin | 3.3102% | 5,603 |
| Noninterest income to average assets | 0.1513% | 7,102 |
| Noninterest expense to average assets | 2.8459% | 4,694 |
| Loan and lease loss provision to assets | 0.3668% | 4,119 |
| Net operating income to assets | 0.0917% | 5,489 |
| Return on assets (ROA) | 0.4096% | 4,465 |
| Pretax return on assets | 0.4111% | 4,773 |
| Return on Equity (ROE) | 2.7111% | 4,910 |
| Retained earnings to average equity (ytd only) | 2.7111% | 3,815 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0841% | 2,058 |
| Assets per employee ($millions) | 5.8872% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7120% | 2,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 30.1150% | 7,800 |
| Net loans and leases to deposits | 36.9295% | 7,803 |
| Net loans and leases to core deposits | 68.0684% | 7,071 |
| Total domestic deposits to total assets | 81.5473% | 4,857 |
| Equity capital to assets | 13.3399% | 1,557 |
| Core capital (leverage) ratio | 15.0343% | 851 |
| Tier 1 risk-based capital ratio | 29.4323% | 604 |
| Total risk-based capital ratio | 30.5907% | 596 |
| Memoranda: |
| Average total assets | $87,232,750 | 5,510 |
| Average earning assets | $83,135,000 | 5,395 |
| Average equity | $13,179,750 | 4,491 |
| Average total loans | $29,039,250 | 6,741 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6098% | 7,517 |
| Cost of funding earning assets | 1.1944% | 7,119 |
| Net interest margin | 3.4154% | 5,109 |
| Noninterest income to average assets | 0.1712% | 7,068 |
| Noninterest expense to average assets | 3.0187% | 4,012 |
| Loan and lease loss provision to assets | 0.3255% | 3,988 |
| Net operating income to assets | 0.1160% | 5,514 |
| Return on assets (ROA) | 0.3834% | 4,674 |
| Pretax return on assets | 0.3858% | 4,972 |
| Return on Equity (ROE) | 2.4233% | 5,135 |
| Retained earnings to average equity (ytd only) | 2.4233% | 3,985 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2474% | 2,103 |
| Assets per employee ($millions) | 4.9101% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4412% | 3,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 34.4108% | 7,758 |
| Net loans and leases to deposits | 43.5316% | 7,716 |
| Net loans and leases to core deposits | 87.2536% | 5,789 |
| Total domestic deposits to total assets | 79.0478% | 5,798 |
| Equity capital to assets | 15.7408% | 875 |
| Core capital (leverage) ratio | 16.6825% | 655 |
| Tier 1 risk-based capital ratio | 31.0322% | 536 |
| Total risk-based capital ratio | 32.0198% | 541 |
| Memoranda: |
| Average total assets | $82,949,330 | 5,701 |
| Average earning assets | $79,873,330 | 5,532 |
| Average equity | $13,122,670 | 4,516 |
| Average total loans | $28,497,330 | 6,820 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8471% | 7,295 |
| Cost of funding earning assets | 1.3554% | 6,858 |
| Net interest margin | 3.4918% | 4,766 |
| Noninterest income to average assets | 0.1548% | 7,201 |
| Noninterest expense to average assets | 3.0814% | 3,443 |
| Loan and lease loss provision to assets | 0.4112% | 2,863 |
| Net operating income to assets | 0.0138% | 6,222 |
| Return on assets (ROA) | 0.4257% | 4,935 |
| Pretax return on assets | 0.4305% | 5,312 |
| Return on Equity (ROE) | 2.6841% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.6841% | 4,391 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8621% | 1,907 |
| Assets per employee ($millions) | 4.6960% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3115% | 4,012 |
| Loan loss allowance to noncurrent loans | 187.8173% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 6,823 |
| Noncurrent loans to loans | 0.6983% | 5,667 |
| Net loans and leases to total assets | 32.9382% | 7,835 |
| Net loans and leases to deposits | 40.2801% | 7,831 |
| Net loans and leases to core deposits | 60.9154% | 7,422 |
| Total domestic deposits to total assets | 81.7729% | 4,645 |
| Equity capital to assets | 15.5700% | 955 |
| Core capital (leverage) ratio | 15.1937% | 925 |
| Tier 1 risk-based capital ratio | 31.4601% | 561 |
| Total risk-based capital ratio | 32.3498% | 565 |
| Memoranda: |
| Average total assets | $82,688,500 | 5,714 |
| Average earning assets | $79,387,000 | 5,571 |
| Average equity | $13,114,500 | 4,557 |
| Average total loans | $28,174,500 | 6,870 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4022% | 7,456 |
| Cost of funding earning assets | 1.6896% | 7,281 |
| Net interest margin | 3.7125% | 4,418 |
| Noninterest income to average assets | 0.1587% | 7,285 |
| Noninterest expense to average assets | 3.5151% | 2,355 |
| Loan and lease loss provision to assets | 0.2671% | 4,261 |
| Net operating income to assets | -0.0608% | 6,455 |
| Return on assets (ROA) | 0.0094% | 6,198 |
| Pretax return on assets | 0.0110% | 6,137 |
| Return on Equity (ROE) | 0.0470% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.0470% | 5,208 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7079% | 1,238 |
| Assets per employee ($millions) | 5.0531% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0129% | 5,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 34.4494% | 7,878 |
| Net loans and leases to deposits | 43.5644% | 7,863 |
| Net loans and leases to core deposits | 58.3630% | 7,654 |
| Total domestic deposits to total assets | 79.0770% | 5,351 |
| Equity capital to assets | 16.1635% | 900 |
| Core capital (leverage) ratio | 17.8937% | 615 |
| Tier 1 risk-based capital ratio | 32.1332% | 544 |
| Total risk-based capital ratio | 32.8418% | 559 |
| Memoranda: |
| Average total assets | $63,639,200 | 6,245 |
| Average earning assets | $60,901,600 | 6,134 |
| Average equity | $12,776,000 | 4,628 |
| Average total loans | $24,066,800 | 7,073 |
