| 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 | 4.1220% | 3,765 |
| Cost of funding earning assets | 1.7250% | 1,399 |
| Net interest margin | 2.3970% | 4,189 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 1.9019% | 3,833 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.8633% | 2,656 |
| Return on assets (ROA) | 0.8258% | 2,764 |
| Pretax return on assets | 0.8085% | 3,194 |
| Return on Equity (ROE) | 11.1900% | 2,174 |
| Retained earnings to average equity (ytd only) | 1.9752% | 3,582 |
| Net charge-offs to loans | -0.0028% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.2091% | 2,327 |
| Assets per employee ($millions) | 10.1589% | 671 |
| Cash dividends to net income (ytd only)* | 82.3467% | 532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0205% | 3,205 |
| Loan loss allowance to noncurrent loans | 335.0733% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 1,918 |
| Noncurrent loans to loans | 0.3046% | 2,095 |
| Net loans and leases to total assets | 80.1200% | 629 |
| Net loans and leases to deposits | 98.6354% | 611 |
| Net loans and leases to core deposits | 103.9332% | 1,218 |
| Total domestic deposits to total assets | 81.2300% | 3,267 |
| Equity capital to assets | 7.8641% | 3,509 |
| Core capital (leverage) ratio | 8.5204% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0874% | 2,212 |
| Memoranda: |
| Average total assets | $2,182,811,800 | 524 |
| Average earning assets | $2,119,627,400 | 495 |
| Average equity | $161,100,000 | 638 |
| Average total loans | $1,689,679,800 | 471 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9830% | 3,879 |
| Cost of funding earning assets | 1.5970% | 1,377 |
| Net interest margin | 2.3860% | 4,246 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 1.9145% | 3,779 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.8828% | 2,744 |
| Return on assets (ROA) | 0.8325% | 2,910 |
| Pretax return on assets | 0.8061% | 3,323 |
| Return on Equity (ROE) | 11.4700% | 2,260 |
| Retained earnings to average equity (ytd only) | 0.6099% | 4,028 |
| Net charge-offs to loans | -0.0108% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7416% | 2,186 |
| Assets per employee ($millions) | 10.5746% | 561 |
| Cash dividends to net income (ytd only)* | 94.6834% | 275 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9880% | 3,425 |
| Loan loss allowance to noncurrent loans | 306.0928% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 1,926 |
| Noncurrent loans to loans | 0.3228% | 2,075 |
| Net loans and leases to total assets | 78.7400% | 789 |
| Net loans and leases to deposits | 97.7548% | 626 |
| Net loans and leases to core deposits | 102.5254% | 1,183 |
| Total domestic deposits to total assets | 80.5500% | 3,451 |
| Equity capital to assets | 7.2258% | 3,500 |
| Core capital (leverage) ratio | 8.2531% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7755% | 2,356 |
| Memoranda: |
| Average total assets | $2,174,854,500 | 526 |
| Average earning assets | $2,111,049,000 | 497 |
| Average equity | $157,834,750 | 643 |
| Average total loans | $1,663,914,500 | 477 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8236% | 3,989 |
| Cost of funding earning assets | 1.4562% | 1,322 |
| Net interest margin | 2.3675% | 4,326 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 1.8892% | 3,841 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9181% | 2,697 |
| Return on assets (ROA) | 0.8424% | 2,960 |
| Pretax return on assets | 0.7977% | 3,404 |
| Return on Equity (ROE) | 11.5900% | 2,277 |
| Retained earnings to average equity (ytd only) | 1.1558% | 3,881 |
| Net charge-offs to loans | -0.0113% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.2547% | 2,201 |
| Assets per employee ($millions) | 10.5160% | 573 |
| Cash dividends to net income (ytd only)* | 90.0285% | 424 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9792% | 3,504 |
| Loan loss allowance to noncurrent loans | 305.4709% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 1,966 |
| Noncurrent loans to loans | 0.3206% | 1,993 |
| Net loans and leases to total assets | 74.7700% | 1,196 |
| Net loans and leases to deposits | 90.4443% | 1,153 |
| Net loans and leases to core deposits | 93.7301% | 1,584 |
| Total domestic deposits to total assets | 82.6700% | 3,110 |
| Equity capital to assets | 7.0697% | 3,760 |
| Core capital (leverage) ratio | 8.4484% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9961% | 2,297 |
| Memoranda: |
| Average total assets | $2,166,632,333 | 512 |
| Average earning assets | $2,104,589,333 | 486 |
| Average equity | $157,469,000 | 643 |
| Average total loans | $1,635,478,333 | 470 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7259% | 3,986 |
| Cost of funding earning assets | 1.3199% | 1,187 |
| Net interest margin | 2.4060% | 4,379 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.9569% | 3,719 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8269% | 3,105 |
| Return on assets (ROA) | 0.7574% | 3,275 |
| Pretax return on assets | 0.7662% | 3,538 |
| Return on Equity (ROE) | 10.2700% | 2,704 |
| Retained earnings to average equity (ytd only) | 3.3781% | 3,415 |
| Net charge-offs to loans | -0.0090% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.5361% | 1,913 |
| Assets per employee ($millions) | 10.3782% | 616 |
| Cash dividends to net income (ytd only)* | 67.1141% | 821 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9825% | 3,585 |
| Loan loss allowance to noncurrent loans | 290.9174% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 1,825 |
| Noncurrent loans to loans | 0.3377% | 1,939 |
| Net loans and leases to total assets | 75.3400% | 1,043 |
| Net loans and leases to deposits | 91.7223% | 937 |
| Net loans and leases to core deposits | 94.4638% | 1,360 |
| Total domestic deposits to total assets | 82.1400% | 3,463 |
| Equity capital to assets | 7.4960% | 3,567 |
| Core capital (leverage) ratio | 8.5331% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3050% | 2,267 |
| Memoranda: |
| Average total assets | $2,124,736,500 | 541 |
| Average earning assets | $2,064,047,000 | 501 |
| Average equity | $156,654,500 | 657 |
| Average total loans | $1,603,591,500 | 491 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2248% | 3,769 |
| Cost of funding earning assets | 0.5024% | 1,373 |
| Net interest margin | 2.7223% | 4,028 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 1.8886% | 3,851 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1081% | 2,137 |
| Return on assets (ROA) | 1.1067% | 2,081 |
| Pretax return on assets | 1.2766% | 2,175 |
| Return on Equity (ROE) | 14.5200% | 1,395 |
| Retained earnings to average equity (ytd only) | 6.7769% | 2,331 |
| Net charge-offs to loans | -0.0030% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.8557% | 3,359 |
| Assets per employee ($millions) | 10.3003% | 612 |
| Cash dividends to net income (ytd only)* | 53.3190% | 1,248 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9901% | 3,445 |
| Loan loss allowance to noncurrent loans | 233.8165% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 1,548 |
| Noncurrent loans to loans | 0.4234% | 1,658 |
| Net loans and leases to total assets | 74.1000% | 1,208 |
| Net loans and leases to deposits | 89.3237% | 1,101 |
| Net loans and leases to core deposits | 91.1677% | 1,445 |
| Total domestic deposits to total assets | 82.9600% | 3,431 |
| Equity capital to assets | 7.2483% | 3,523 |
| Core capital (leverage) ratio | 8.6656% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3859% | 2,206 |
| Memoranda: |
| Average total assets | $2,063,573,800 | 532 |
| Average earning assets | $2,005,778,400 | 505 |
| Average equity | $157,313,800 | 656 |
| Average total loans | $1,383,368,200 | 514 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1044% | 3,670 |
| Cost of funding earning assets | 0.3751% | 1,481 |
| Net interest margin | 2.7294% | 3,871 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 1.8966% | 3,760 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1772% | 1,785 |
| Return on assets (ROA) | 1.1772% | 1,758 |
| Pretax return on assets | 1.3676% | 1,823 |
| Return on Equity (ROE) | 15.2500% | 1,123 |
| Retained earnings to average equity (ytd only) | 7.3552% | 2,248 |
| Net charge-offs to loans | -0.0051% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.3322% | 3,463 |
| Assets per employee ($millions) | 10.2491% | 605 |
| Cash dividends to net income (ytd only)* | 51.7666% | 1,123 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0062% | 3,444 |
| Loan loss allowance to noncurrent loans | 298.4823% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 2,008 |
| Noncurrent loans to loans | 0.3371% | 2,020 |
| Net loans and leases to total assets | 68.9100% | 1,575 |
| Net loans and leases to deposits | 77.9026% | 1,719 |
| Net loans and leases to core deposits | 79.2103% | 1,955 |
| Total domestic deposits to total assets | 88.4600% | 2,287 |
| Equity capital to assets | 7.2242% | 3,390 |
| Core capital (leverage) ratio | 8.6718% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7892% | 1,773 |
| Memoranda: |
| Average total assets | $2,051,577,250 | 534 |
| Average earning assets | $1,994,686,500 | 507 |
| Average equity | $158,379,250 | 662 |
| Average total loans | $1,334,112,250 | 523 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9624% | 3,648 |
| Cost of funding earning assets | 0.3500% | 1,261 |
| Net interest margin | 2.6124% | 3,882 |
| Noninterest income to average assets | 0.6961% | 1,354 |
| Noninterest expense to average assets | 1.9020% | 3,694 |
| Loan and lease loss provision to assets | 0.0195% | 2,251 |
| Net operating income to assets | 1.0711% | 1,890 |
| Return on assets (ROA) | 1.0711% | 1,867 |
| Pretax return on assets | 1.3147% | 1,695 |
| Return on Equity (ROE) | 13.5837% | 1,213 |
| Retained earnings to average equity (ytd only) | 6.6028% | 2,130 |
| Net charge-offs to loans | -0.0097% | 3,585 |
| Credit loss provision to net charge-offs | -317.4603% | 3,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6280% | 3,474 |
| Assets per employee ($millions) | 10.2627% | 614 |
| Cash dividends to net income (ytd only)* | 51.3922% | 1,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0612% | 3,318 |
| Loan loss allowance to noncurrent loans | 269.1304% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 2,065 |
| Noncurrent loans to loans | 0.3943% | 1,948 |
| Net loans and leases to total assets | 62.4307% | 2,075 |
| Net loans and leases to deposits | 70.4006% | 2,160 |
| Net loans and leases to core deposits | 71.6039% | 2,370 |
| Total domestic deposits to total assets | 88.6791% | 2,307 |
| Equity capital to assets | 7.3680% | 3,550 |
| Core capital (leverage) ratio | 8.5935% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8771% | 1,465 |
| Memoranda: |
| Average total assets | $2,052,162,333 | 536 |
| Average earning assets | $1,995,319,000 | 509 |
| Average equity | $161,811,000 | 656 |
| Average total loans | $1,303,190,667 | 525 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8718% | 3,605 |
| Cost of funding earning assets | 0.3601% | 1,131 |
| Net interest margin | 2.5118% | 3,884 |
| Noninterest income to average assets | 0.7037% | 1,307 |
| Noninterest expense to average assets | 1.8964% | 3,691 |
| Loan and lease loss provision to assets | 0.0148% | 2,087 |
| Net operating income to assets | 0.8250% | 2,575 |
| Return on assets (ROA) | 0.8250% | 2,571 |
| Pretax return on assets | 1.2348% | 1,694 |
| Return on Equity (ROE) | 10.1215% | 1,921 |
| Retained earnings to average equity (ytd only) | 6.4980% | 2,077 |
| Net charge-offs to loans | -0.0077% | 3,493 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1302% | 3,471 |
| Assets per employee ($millions) | 10.2322% | 645 |
| Cash dividends to net income (ytd only)* | 35.7995% | 1,610 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0671% | 3,466 |
| Loan loss allowance to noncurrent loans | 249.9729% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 2,031 |
| Noncurrent loans to loans | 0.4269% | 1,960 |
| Net loans and leases to total assets | 63.0859% | 1,731 |
| Net loans and leases to deposits | 71.1408% | 1,851 |
| Net loans and leases to core deposits | 72.5523% | 2,063 |
| Total domestic deposits to total assets | 88.6775% | 2,218 |
| Equity capital to assets | 7.7897% | 3,738 |
| Core capital (leverage) ratio | 8.5134% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7939% | 1,563 |
| Memoranda: |
| Average total assets | $2,031,446,500 | 546 |
| Average earning assets | $1,975,183,500 | 518 |
| Average equity | $165,588,500 | 655 |
| Average total loans | $1,294,254,000 | 526 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0742% | 3,734 |
| Cost of funding earning assets | 0.5416% | 747 |
| Net interest margin | 2.5326% | 4,147 |
| Noninterest income to average assets | 0.8745% | 1,271 |
| Noninterest expense to average assets | 1.8684% | 4,002 |
| Loan and lease loss provision to assets | 0.0574% | 1,909 |
| Net operating income to assets | 1.0386% | 2,524 |
| Return on assets (ROA) | 1.0386% | 2,596 |
| Pretax return on assets | 1.4109% | 2,015 |
| Return on Equity (ROE) | 12.4406% | 1,676 |
| Retained earnings to average equity (ytd only) | 6.3649% | 2,194 |
| Net charge-offs to loans | -0.0092% | 3,711 |
| Credit loss provision to net charge-offs | -928.0000% | 3,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8367% | 3,721 |
| Assets per employee ($millions) | 10.0331% | 657 |
| Cash dividends to net income (ytd only)* | 48.8374% | 1,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0663% | 3,493 |
| Loan loss allowance to noncurrent loans | 235.0649% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 2,063 |
| Noncurrent loans to loans | 0.4536% | 1,999 |
| Net loans and leases to total assets | 62.9766% | 1,828 |
| Net loans and leases to deposits | 71.4931% | 1,961 |
| Net loans and leases to core deposits | 73.2483% | 2,135 |
| Total domestic deposits to total assets | 88.0876% | 2,002 |
| Equity capital to assets | 8.5145% | 4,039 |
| Core capital (leverage) ratio | 8.2919% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9533% | 1,530 |
| Memoranda: |
| Average total assets | $2,020,758,200 | 525 |
| Average earning assets | $1,964,574,800 | 504 |
| Average equity | $168,705,800 | 641 |
| Average total loans | $1,355,867,200 | 505 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0537% | 3,902 |
| Cost of funding earning assets | 0.5715% | 737 |
| Net interest margin | 2.4822% | 4,310 |
| Noninterest income to average assets | 0.8761% | 1,304 |
| Noninterest expense to average assets | 1.8285% | 4,112 |
| Loan and lease loss provision to assets | 0.0238% | 2,520 |
| Net operating income to assets | 1.0602% | 2,691 |
| Return on assets (ROA) | 1.0602% | 2,760 |
| Pretax return on assets | 1.4372% | 2,188 |
| Return on Equity (ROE) | 12.7622% | 1,778 |
| Retained earnings to average equity (ytd only) | 7.7943% | 2,119 |
| Net charge-offs to loans | -0.0013% | 3,152 |
| Credit loss provision to net charge-offs | -2,769.2308% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4226% | 3,604 |
| Assets per employee ($millions) | 9.9752% | 643 |
| Cash dividends to net income (ytd only)* | 38.9263% | 1,669 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9647% | 3,959 |
| Loan loss allowance to noncurrent loans | 234.2513% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 2,350 |
| Noncurrent loans to loans | 0.4118% | 2,325 |
| Net loans and leases to total assets | 64.7955% | 1,677 |
| Net loans and leases to deposits | 73.9713% | 1,857 |
| Net loans and leases to core deposits | 76.1340% | 2,035 |
| Total domestic deposits to total assets | 87.5954% | 2,064 |
| Equity capital to assets | 8.5412% | 4,184 |
| Core capital (leverage) ratio | 8.2453% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8896% | 1,657 |
| Memoranda: |
| Average total assets | $2,019,276,250 | 527 |
| Average earning assets | $1,963,301,750 | 507 |
| Average equity | $167,741,500 | 648 |
| Average total loans | $1,372,310,750 | 507 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0597% | 3,942 |
| Cost of funding earning assets | 0.6023% | 738 |
| Net interest margin | 2.4574% | 4,358 |
| Noninterest income to average assets | 0.8978% | 1,282 |
| Noninterest expense to average assets | 1.8359% | 4,107 |
| Loan and lease loss provision to assets | 0.0238% | 2,492 |
| Net operating income to assets | 1.0507% | 2,716 |
| Return on assets (ROA) | 1.0507% | 2,793 |
| Pretax return on assets | 1.4274% | 2,248 |
| Return on Equity (ROE) | 12.7698% | 1,802 |
| Retained earnings to average equity (ytd only) | 5.2269% | 3,106 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6855% | 3,583 |
| Assets per employee ($millions) | 9.8282% | 645 |
| Cash dividends to net income (ytd only)* | 59.0681% | 953 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9415% | 4,020 |
| Loan loss allowance to noncurrent loans | 179.4325% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 2,179 |
| Noncurrent loans to loans | 0.5247% | 2,105 |
| Net loans and leases to total assets | 64.4908% | 1,893 |
| Net loans and leases to deposits | 72.9429% | 2,117 |
| Net loans and leases to core deposits | 75.0612% | 2,324 |
| Total domestic deposits to total assets | 88.4127% | 1,613 |
| Equity capital to assets | 8.1380% | 4,461 |
| Core capital (leverage) ratio | 8.1178% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5650% | 1,784 |
| Memoranda: |
| Average total assets | $2,014,058,000 | 522 |
| Average earning assets | $1,958,259,333 | 503 |
| Average equity | $165,719,333 | 649 |
| Average total loans | $1,385,952,000 | 504 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1194% | 3,847 |
| Cost of funding earning assets | 0.6490% | 699 |
| Net interest margin | 2.4705% | 4,339 |
| Noninterest income to average assets | 0.8677% | 1,417 |
| Noninterest expense to average assets | 1.8552% | 4,095 |
| Loan and lease loss provision to assets | 0.0242% | 2,469 |
| Net operating income to assets | 1.0237% | 2,731 |
| Return on assets (ROA) | 1.0237% | 2,812 |
| Pretax return on assets | 1.3902% | 2,307 |
| Return on Equity (ROE) | 12.3704% | 1,882 |
| Retained earnings to average equity (ytd only) | -2.8551% | 4,596 |
| Net charge-offs to loans | -0.0014% | 3,077 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5756% | 3,484 |
| Assets per employee ($millions) | 9.2464% | 758 |
| Cash dividends to net income (ytd only)* | 123.0800% | 311 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9024% | 4,149 |
| Loan loss allowance to noncurrent loans | 196.7510% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 2,444 |
| Noncurrent loans to loans | 0.4586% | 2,480 |
| Net loans and leases to total assets | 69.2600% | 1,386 |
| Net loans and leases to deposits | 78.5852% | 1,659 |
| Net loans and leases to core deposits | 81.0603% | 1,903 |
| Total domestic deposits to total assets | 88.1337% | 1,774 |
| Equity capital to assets | 8.1942% | 4,368 |
| Core capital (leverage) ratio | 8.1066% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9888% | 1,901 |
| Memoranda: |
| Average total assets | $1,984,207,500 | 523 |
| Average earning assets | $1,929,188,500 | 502 |
| Average equity | $164,198,000 | 651 |
| Average total loans | $1,403,881,000 | 499 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5361% | 3,951 |
| Cost of funding earning assets | 0.9202% | 803 |
| Net interest margin | 2.6159% | 4,481 |
| Noninterest income to average assets | 0.6539% | 2,012 |
| Noninterest expense to average assets | 1.8610% | 4,378 |
| Loan and lease loss provision to assets | 0.0867% | 3,278 |
| Net operating income to assets | 0.9191% | 2,617 |
| Return on assets (ROA) | 0.9191% | 2,748 |
| Pretax return on assets | 1.2442% | 2,177 |
| Return on Equity (ROE) | 10.8130% | 1,700 |
| Retained earnings to average equity (ytd only) | 7.9886% | 1,057 |
| Net charge-offs to loans | 0.0270% | 2,493 |
| Credit loss provision to net charge-offs | 433.3333% | 1,362 |
| Earnings coverage of net charge-offs (x) | 66.5200% | 1,009 |
| Efficiency ratio | 58.1025% | 3,712 |
| Assets per employee ($millions) | 8.9194% | 761 |
| Cash dividends to net income (ytd only)* | 26.1203% | 3,012 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8833% | 4,237 |
| Loan loss allowance to noncurrent loans | 167.8918% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 2,451 |
| Noncurrent loans to loans | 0.5261% | 2,399 |
| Net loans and leases to total assets | 70.9935% | 1,424 |
| Net loans and leases to deposits | 83.9125% | 1,471 |
| Net loans and leases to core deposits | 86.7833% | 1,805 |
| Total domestic deposits to total assets | 84.6042% | 2,913 |
| Equity capital to assets | 8.3573% | 4,551 |
| Core capital (leverage) ratio | 8.1174% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9612% | 1,863 |
| Memoranda: |
| Average total assets | $1,874,363,200 | 506 |
| Average earning assets | $1,818,566,400 | 482 |
| Average equity | $159,326,600 | 639 |
| Average total loans | $1,389,667,000 | 481 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5991% | 4,012 |
| Cost of funding earning assets | 0.9705% | 847 |
| Net interest margin | 2.6287% | 4,547 |
| Noninterest income to average assets | 0.6371% | 2,037 |
| Noninterest expense to average assets | 1.8837% | 4,357 |
| Loan and lease loss provision to assets | 0.0469% | 3,772 |
| Net operating income to assets | 0.9309% | 2,593 |
| Return on assets (ROA) | 0.9309% | 2,722 |
| Pretax return on assets | 1.2560% | 2,206 |
| Return on Equity (ROE) | 10.9028% | 1,717 |
| Retained earnings to average equity (ytd only) | 9.8900% | 790 |
| Net charge-offs to loans | 0.0256% | 2,317 |
| Credit loss provision to net charge-offs | 244.3609% | 1,943 |
| Earnings coverage of net charge-offs (x) | 67.9662% | 1,019 |
| Efficiency ratio | 58.9036% | 3,535 |
| Assets per employee ($millions) | 8.6427% | 794 |
| Cash dividends to net income (ytd only)* | 9.2894% | 3,152 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8149% | 4,327 |
| Loan loss allowance to noncurrent loans | 173.6496% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 2,703 |
| Noncurrent loans to loans | 0.4693% | 2,646 |
| Net loans and leases to total assets | 72.9626% | 1,508 |
| Net loans and leases to deposits | 86.9656% | 1,594 |
| Net loans and leases to core deposits | 90.0161% | 1,965 |
| Total domestic deposits to total assets | 83.8982% | 2,851 |
| Equity capital to assets | 8.4691% | 4,481 |
| Core capital (leverage) ratio | 8.2053% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6877% | 1,928 |
| Memoranda: |
| Average total assets | $1,850,155,500 | 500 |
| Average earning assets | $1,794,385,500 | 477 |
| Average equity | $157,973,500 | 637 |
| Average total loans | $1,384,111,250 | 480 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6516% | 4,170 |
| Cost of funding earning assets | 1.0374% | 879 |
| Net interest margin | 2.6143% | 4,642 |
| Noninterest income to average assets | 0.6659% | 1,875 |
| Noninterest expense to average assets | 1.9083% | 4,404 |
| Loan and lease loss provision to assets | 0.0412% | 3,762 |
| Net operating income to assets | 0.9244% | 2,612 |
| Return on assets (ROA) | 0.9244% | 2,731 |
| Pretax return on assets | 1.2508% | 2,179 |
| Return on Equity (ROE) | 10.7951% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.6411% | 852 |
| Net charge-offs to loans | 0.0357% | 2,021 |
| Credit loss provision to net charge-offs | 153.0612% | 2,112 |
| Earnings coverage of net charge-offs (x) | 48.0286% | 1,133 |
| Efficiency ratio | 59.4161% | 3,500 |
| Assets per employee ($millions) | 8.2733% | 877 |
| Cash dividends to net income (ytd only)* | 10.6901% | 3,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8161% | 4,307 |
| Loan loss allowance to noncurrent loans | 107.9198% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 2,146 |
| Noncurrent loans to loans | 0.7563% | 1,991 |
| Net loans and leases to total assets | 71.2546% | 1,836 |
| Net loans and leases to deposits | 84.4181% | 1,954 |
| Net loans and leases to core deposits | 87.3597% | 2,317 |
| Total domestic deposits to total assets | 84.4068% | 2,594 |
| Equity capital to assets | 8.2969% | 4,592 |
| Core capital (leverage) ratio | 8.4183% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6985% | 1,928 |
| Memoranda: |
| Average total assets | $1,821,554,000 | 504 |
| Average earning assets | $1,765,836,333 | 481 |
| Average equity | $155,978,667 | 641 |
| Average total loans | $1,370,771,333 | 471 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8622% | 4,108 |
| Cost of funding earning assets | 1.1627% | 868 |
| Net interest margin | 2.6995% | 4,672 |
| Noninterest income to average assets | 0.7219% | 1,560 |
| Noninterest expense to average assets | 2.0032% | 4,383 |
| Loan and lease loss provision to assets | 0.0340% | 3,340 |
| Net operating income to assets | 0.9604% | 2,315 |
| Return on assets (ROA) | 0.9604% | 2,420 |
| Pretax return on assets | 1.3002% | 1,871 |
| Return on Equity (ROE) | 11.0273% | 1,400 |
| Retained earnings to average equity (ytd only) | 9.9860% | 748 |
| Net charge-offs to loans | 0.0112% | 2,186 |
| Credit loss provision to net charge-offs | 394.7368% | 1,019 |
| Earnings coverage of net charge-offs (x) | 154.8684% | 420 |
| Efficiency ratio | 59.8125% | 3,760 |
| Assets per employee ($millions) | 7.8375% | 790 |
| Cash dividends to net income (ytd only)* | 9.4429% | 2,490 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8346% | 4,318 |
| Loan loss allowance to noncurrent loans | 104.7412% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 2,146 |
| Noncurrent loans to loans | 0.7968% | 2,015 |
| Net loans and leases to total assets | 75.6916% | 1,351 |
| Net loans and leases to deposits | 91.3130% | 1,365 |
| Net loans and leases to core deposits | 94.8389% | 1,897 |
| Total domestic deposits to total assets | 82.8924% | 3,142 |
| Equity capital to assets | 8.7783% | 4,704 |
| Core capital (leverage) ratio | 8.5539% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6659% | 2,018 |
| Memoranda: |
| Average total assets | $1,764,352,500 | 504 |
| Average earning assets | $1,709,485,000 | 475 |
| Average equity | $153,655,500 | 648 |
| Average total loans | $1,360,752,500 | 462 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9940% | 4,271 |
| Cost of funding earning assets | 1.2643% | 854 |
| Net interest margin | 2.7297% | 4,817 |
| Noninterest income to average assets | 0.7082% | 1,786 |
| Noninterest expense to average assets | 1.9799% | 4,560 |
| Loan and lease loss provision to assets | 0.0150% | 3,714 |
| Net operating income to assets | 0.9772% | 2,920 |
| Return on assets (ROA) | 0.9772% | 2,998 |
| Pretax return on assets | 1.3514% | 2,325 |
| Return on Equity (ROE) | 11.3169% | 1,761 |
| Retained earnings to average equity (ytd only) | 6.3030% | 1,716 |
| Net charge-offs to loans | 0.0013% | 3,678 |
| Credit loss provision to net charge-offs | 1,470.5882% | 241 |
| Earnings coverage of net charge-offs (x) | 1,336.7059% | 68 |
| Efficiency ratio | 59.1295% | 3,821 |
| Assets per employee ($millions) | 7.6402% | 816 |
| Cash dividends to net income (ytd only)* | 44.3050% | 2,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8229% | 4,237 |
| Loan loss allowance to noncurrent loans | 138.1897% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 2,484 |
| Noncurrent loans to loans | 0.5955% | 2,399 |
| Net loans and leases to total assets | 77.2930% | 1,207 |
| Net loans and leases to deposits | 92.9620% | 1,264 |
| Net loans and leases to core deposits | 96.6854% | 1,836 |
| Total domestic deposits to total assets | 83.1448% | 3,154 |
| Equity capital to assets | 8.6383% | 4,854 |
| Core capital (leverage) ratio | 8.4475% | 4,868 |
| Tier 1 risk-based capital ratio | 13.1156% | 3,734 |
| Total risk-based capital ratio | 14.1170% | 3,743 |
| Memoranda: |
| Average total assets | $1,663,003,400 | 513 |
| Average earning assets | $1,607,197,600 | 482 |
| Average equity | $143,599,000 | 652 |
| Average total loans | $1,298,497,000 | 464 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9867% | 4,388 |
| Cost of funding earning assets | 1.2650% | 876 |
| Net interest margin | 2.7217% | 4,923 |
| Noninterest income to average assets | 0.6806% | 1,864 |
| Noninterest expense to average assets | 1.9717% | 4,602 |
| Loan and lease loss provision to assets | 0.0122% | 3,652 |
| Net operating income to assets | 0.9663% | 3,095 |
| Return on assets (ROA) | 0.9663% | 3,175 |
| Pretax return on assets | 1.3261% | 2,581 |
| Return on Equity (ROE) | 11.1922% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.8158% | 563 |
| Net charge-offs to loans | 0.0034% | 3,292 |
| Credit loss provision to net charge-offs | 454.5455% | 683 |
| Earnings coverage of net charge-offs (x) | 499.2300% | 198 |
| Efficiency ratio | 59.5686% | 3,718 |
| Assets per employee ($millions) | 8.0077% | 689 |
| Cash dividends to net income (ytd only)* | 3.3625% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8504% | 4,222 |
| Loan loss allowance to noncurrent loans | 142.0258% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 2,381 |
| Noncurrent loans to loans | 0.5987% | 2,485 |
| Net loans and leases to total assets | 76.9968% | 1,319 |
| Net loans and leases to deposits | 93.5115% | 1,269 |
| Net loans and leases to core deposits | 97.2312% | 1,885 |
| Total domestic deposits to total assets | 82.3393% | 3,375 |
| Equity capital to assets | 8.8197% | 4,868 |
| Core capital (leverage) ratio | 8.5440% | 4,926 |
| Tier 1 risk-based capital ratio | 13.7593% | 3,445 |
| Total risk-based capital ratio | 14.8141% | 3,450 |
| Memoranda: |
| Average total assets | $1,641,355,500 | 519 |
| Average earning assets | $1,585,696,000 | 489 |
| Average equity | $141,714,750 | 654 |
| Average total loans | $1,282,237,250 | 472 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9408% | 4,494 |
| Cost of funding earning assets | 1.2441% | 884 |
| Net interest margin | 2.6967% | 5,006 |
| Noninterest income to average assets | 0.6353% | 1,993 |
| Noninterest expense to average assets | 1.9859% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9140% | 3,230 |
| Return on assets (ROA) | 0.9140% | 3,291 |
| Pretax return on assets | 1.2537% | 2,732 |
| Return on Equity (ROE) | 10.6655% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.0921% | 730 |
| Net charge-offs to loans | 0.0072% | 2,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 221.8478% | 361 |
| Efficiency ratio | 61.3007% | 3,540 |
| Assets per employee ($millions) | 8.1120% | 645 |
| Cash dividends to net income (ytd only)* | 5.3763% | 3,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8439% | 4,292 |
| Loan loss allowance to noncurrent loans | 138.1391% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 2,345 |
| Noncurrent loans to loans | 0.6109% | 2,433 |
| Net loans and leases to total assets | 75.8299% | 1,575 |
| Net loans and leases to deposits | 91.6964% | 1,522 |
| Net loans and leases to core deposits | 94.9903% | 2,157 |
| Total domestic deposits to total assets | 82.6968% | 3,307 |
| Equity capital to assets | 8.4881% | 5,046 |
| Core capital (leverage) ratio | 8.5357% | 4,950 |
| Tier 1 risk-based capital ratio | 13.5087% | 3,581 |
| Total risk-based capital ratio | 14.5615% | 3,582 |
| Memoranda: |
| Average total assets | $1,627,938,000 | 520 |
| Average earning assets | $1,572,236,330 | 490 |
| Average equity | $139,515,670 | 659 |
| Average total loans | $1,274,353,330 | 473 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9195% | 4,518 |
| Cost of funding earning assets | 1.2106% | 875 |
| Net interest margin | 2.7089% | 5,057 |
| Noninterest income to average assets | 0.6054% | 2,020 |
| Noninterest expense to average assets | 2.0158% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8762% | 3,327 |
| Return on assets (ROA) | 0.8762% | 3,374 |
| Pretax return on assets | 1.2036% | 2,787 |
| Return on Equity (ROE) | 10.1719% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.0067% | 1,320 |
| Net charge-offs to loans | 0.0253% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 59.9625% | 917 |
| Efficiency ratio | 62.6140% | 3,442 |
| Assets per employee ($millions) | 7.7788% | 730 |
| Cash dividends to net income (ytd only)* | 11.4548% | 2,627 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8552% | 4,324 |
| Loan loss allowance to noncurrent loans | 124.3502% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 2,177 |
| Noncurrent loans to loans | 0.6877% | 2,299 |
| Net loans and leases to total assets | 77.4134% | 1,249 |
| Net loans and leases to deposits | 94.1185% | 1,164 |
| Net loans and leases to core deposits | 97.1738% | 1,843 |
| Total domestic deposits to total assets | 82.2511% | 3,660 |
| Equity capital to assets | 8.5229% | 4,973 |
| Core capital (leverage) ratio | 8.5932% | 4,951 |
| Tier 1 risk-based capital ratio | 13.4325% | 3,642 |
| Total risk-based capital ratio | 14.5062% | 3,643 |
| Memoranda: |
| Average total assets | $1,594,207,500 | 529 |
| Average earning assets | $1,538,351,000 | 502 |
| Average equity | $137,320,000 | 668 |
| Average total loans | $1,263,249,000 | 475 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9422% | 4,188 |
| Cost of funding earning assets | 0.8924% | 1,122 |
| Net interest margin | 3.0498% | 4,731 |
| Noninterest income to average assets | 0.7233% | 1,758 |
| Noninterest expense to average assets | 2.0110% | 4,733 |
| Loan and lease loss provision to assets | 0.0748% | 2,635 |
| Net operating income to assets | 1.1267% | 2,487 |
| Return on assets (ROA) | 1.1265% | 2,491 |
| Pretax return on assets | 1.5514% | 1,617 |
| Return on Equity (ROE) | 12.8719% | 1,388 |
| Retained earnings to average equity (ytd only) | 11.3172% | 392 |
| Net charge-offs to loans | 0.0459% | 2,517 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 43.4691% | 1,239 |
| Efficiency ratio | 55.2862% | 4,487 |
| Assets per employee ($millions) | 7.5114% | 792 |
| Cash dividends to net income (ytd only)* | 12.0780% | 3,772 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8783% | 4,258 |
| Loan loss allowance to noncurrent loans | 110.2991% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 1,947 |
| Noncurrent loans to loans | 0.7963% | 2,013 |
| Net loans and leases to total assets | 79.7506% | 975 |
| Net loans and leases to deposits | 98.1622% | 884 |
| Net loans and leases to core deposits | 101.2513% | 1,630 |
| Total domestic deposits to total assets | 81.2438% | 3,834 |
| Equity capital to assets | 8.7091% | 4,791 |
| Core capital (leverage) ratio | 8.7185% | 4,866 |
| Tier 1 risk-based capital ratio | 13.3643% | 3,624 |
| Total risk-based capital ratio | 14.4653% | 3,601 |
| Memoranda: |
| Average total assets | $1,469,941,600 | 554 |
| Average earning assets | $1,404,582,200 | 530 |
| Average equity | $128,644,400 | 673 |
| Average total loans | $1,198,138,800 | 486 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9196% | 4,165 |
| Cost of funding earning assets | 0.8120% | 1,277 |
| Net interest margin | 3.1076% | 4,691 |
| Noninterest income to average assets | 0.7040% | 1,847 |
| Noninterest expense to average assets | 2.0056% | 4,732 |
| Loan and lease loss provision to assets | 0.0138% | 3,728 |
| Net operating income to assets | 1.1845% | 2,292 |
| Return on assets (ROA) | 1.1843% | 2,297 |
| Pretax return on assets | 1.6478% | 1,425 |
| Return on Equity (ROE) | 13.5145% | 1,260 |
| Retained earnings to average equity (ytd only) | 13.5145% | 300 |
| Net charge-offs to loans | 0.0126% | 2,970 |
| Credit loss provision to net charge-offs | 133.9286% | 1,856 |
| Earnings coverage of net charge-offs (x) | 161.2228% | 511 |
| Efficiency ratio | 54.6864% | 4,540 |
| Assets per employee ($millions) | 7.1473% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8515% | 4,452 |
| Loan loss allowance to noncurrent loans | 78.6191% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 1,513 |
| Noncurrent loans to loans | 1.0831% | 1,571 |
| Net loans and leases to total assets | 81.6585% | 770 |
| Net loans and leases to deposits | 100.4276% | 746 |
| Net loans and leases to core deposits | 103.5773% | 1,484 |
| Total domestic deposits to total assets | 81.3108% | 3,786 |
| Equity capital to assets | 8.9059% | 4,634 |
| Core capital (leverage) ratio | 8.9454% | 4,751 |
| Tier 1 risk-based capital ratio | 13.4073% | 3,676 |
| Total risk-based capital ratio | 14.4740% | 3,686 |
| Memoranda: |
| Average total assets | $1,448,709,750 | 556 |
| Average earning assets | $1,381,535,250 | 531 |
| Average equity | $126,951,750 | 676 |
| Average total loans | $1,184,922,000 | 485 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8736% | 4,147 |
| Cost of funding earning assets | 0.7670% | 1,296 |
| Net interest margin | 3.1066% | 4,717 |
| Noninterest income to average assets | 0.7310% | 1,735 |
| Noninterest expense to average assets | 2.0105% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2124% | 2,143 |
| Return on assets (ROA) | 1.2124% | 2,138 |
| Pretax return on assets | 1.6867% | 1,250 |
| Return on Equity (ROE) | 13.9141% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.9141% | 289 |
| Net charge-offs to loans | 0.0027% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 755.6875% | 108 |
| Efficiency ratio | 54.3787% | 4,652 |
| Assets per employee ($millions) | 7.3493% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8749% | 4,445 |
| Loan loss allowance to noncurrent loans | 84.4434% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 1,714 |
| Noncurrent loans to loans | 1.0361% | 1,696 |
| Net loans and leases to total assets | 79.9345% | 1,034 |
| Net loans and leases to deposits | 97.3677% | 1,009 |
| Net loans and leases to core deposits | 100.1592% | 1,724 |
| Total domestic deposits to total assets | 82.0955% | 3,691 |
| Equity capital to assets | 8.7415% | 4,767 |
| Core capital (leverage) ratio | 8.9457% | 4,731 |
| Tier 1 risk-based capital ratio | 13.4315% | 3,656 |
| Total risk-based capital ratio | 14.5294% | 3,670 |
| Memoranda: |
| Average total assets | $1,433,682,000 | 560 |
| Average earning assets | $1,368,902,000 | 537 |
| Average equity | $124,924,000 | 687 |
| Average total loans | $1,169,801,000 | 487 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8650% | 4,033 |
| Cost of funding earning assets | 0.7404% | 1,234 |
| Net interest margin | 3.1246% | 4,654 |
| Noninterest income to average assets | 0.7312% | 1,700 |
| Noninterest expense to average assets | 2.0511% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1967% | 2,020 |
| Return on assets (ROA) | 1.1967% | 2,035 |
| Pretax return on assets | 1.6667% | 1,201 |
| Return on Equity (ROE) | 13.7566% | 1,067 |
| Retained earnings to average equity (ytd only) | 13.7566% | 426 |
| Net charge-offs to loans | 0.0072% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 280.1429% | 240 |
| Efficiency ratio | 55.1703% | 4,676 |
| Assets per employee ($millions) | 7.4008% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8971% | 4,463 |
| Loan loss allowance to noncurrent loans | 92.2757% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 1,863 |
| Noncurrent loans to loans | 0.9722% | 1,875 |
| Net loans and leases to total assets | 80.5660% | 861 |
| Net loans and leases to deposits | 98.8631% | 797 |
| Net loans and leases to core deposits | 101.6128% | 1,568 |
| Total domestic deposits to total assets | 81.4925% | 4,096 |
| Equity capital to assets | 8.7319% | 4,800 |
| Core capital (leverage) ratio | 8.7835% | 4,910 |
| Tier 1 risk-based capital ratio | 13.4674% | 3,674 |
| Total risk-based capital ratio | 14.6076% | 3,656 |
| Memoranda: |
| Average total assets | $1,411,918,000 | 570 |
| Average earning assets | $1,349,545,000 | 547 |
| Average equity | $122,821,000 | 701 |
| Average total loans | $1,159,090,000 | 496 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7766% | 4,123 |
| Cost of funding earning assets | 0.6951% | 1,054 |
| Net interest margin | 3.0815% | 4,727 |
| Noninterest income to average assets | 0.7291% | 1,848 |
| Noninterest expense to average assets | 2.0766% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9475% | 2,464 |
| Return on assets (ROA) | 0.9460% | 2,496 |
| Pretax return on assets | 1.6059% | 1,272 |
| Return on Equity (ROE) | 11.0132% | 1,479 |
| Retained earnings to average equity (ytd only) | 6.2052% | 1,434 |
| Net charge-offs to loans | 0.0212% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 94.8856% | 668 |
| Efficiency ratio | 56.3540% | 4,730 |
| Assets per employee ($millions) | 7.1563% | 909 |
| Cash dividends to net income (ytd only)* | 43.6565% | 2,672 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9022% | 4,465 |
| Loan loss allowance to noncurrent loans | 89.9905% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 1,681 |
| Noncurrent loans to loans | 1.0025% | 1,771 |
| Net loans and leases to total assets | 82.1621% | 659 |
| Net loans and leases to deposits | 101.5351% | 625 |
| Net loans and leases to core deposits | 104.2970% | 1,395 |
| Total domestic deposits to total assets | 80.9199% | 4,137 |
| Equity capital to assets | 8.6651% | 4,982 |
| Core capital (leverage) ratio | 8.4731% | 5,162 |
| Tier 1 risk-based capital ratio | 13.0370% | 3,883 |
| Total risk-based capital ratio | 14.1816% | 3,852 |
| Memoranda: |
| Average total assets | $1,392,346,800 | 554 |
| Average earning assets | $1,335,556,800 | 530 |
| Average equity | $119,592,400 | 688 |
| Average total loans | $1,112,671,800 | 490 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6715% | 4,390 |
| Cost of funding earning assets | 0.6741% | 1,101 |
| Net interest margin | 2.9974% | 4,925 |
| Noninterest income to average assets | 0.7287% | 1,872 |
| Noninterest expense to average assets | 1.9393% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0281% | 2,424 |
| Return on assets (ROA) | 1.0281% | 2,467 |
| Pretax return on assets | 1.6639% | 1,203 |
| Return on Equity (ROE) | 12.0757% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.0757% | 291 |
| Net charge-offs to loans | 0.0126% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 172.7012% | 490 |
| Efficiency ratio | 53.8218% | 4,946 |
| Assets per employee ($millions) | 7.6366% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8716% | 4,686 |
| Loan loss allowance to noncurrent loans | 81.7247% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 1,889 |
| Noncurrent loans to loans | 1.0665% | 1,813 |
| Net loans and leases to total assets | 77.5678% | 1,335 |
| Net loans and leases to deposits | 95.6027% | 1,141 |
| Net loans and leases to core deposits | 97.4508% | 1,933 |
| Total domestic deposits to total assets | 81.1355% | 4,011 |
| Equity capital to assets | 8.8273% | 5,056 |
| Core capital (leverage) ratio | 8.6486% | 5,112 |
| Tier 1 risk-based capital ratio | 13.5170% | 3,692 |
| Total risk-based capital ratio | 14.5904% | 3,712 |
| Memoranda: |
| Average total assets | $899,468,500 | 835 |
| Average earning assets | $862,590,000 | 791 |
| Average equity | $76,581,500 | 1,058 |
| Average total loans | $686,117,750 | 763 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6057% | 4,496 |
| Cost of funding earning assets | 0.6765% | 1,007 |
| Net interest margin | 2.9292% | 5,041 |
| Noninterest income to average assets | 0.7354% | 1,833 |
| Noninterest expense to average assets | 1.9503% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9913% | 2,464 |
| Return on assets (ROA) | 0.9913% | 2,518 |
| Pretax return on assets | 1.5953% | 1,362 |
| Return on Equity (ROE) | 11.7899% | 1,364 |
| Retained earnings to average equity (ytd only) | 11.7899% | 341 |
| Net charge-offs to loans | -0.0330% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0060% | 4,923 |
| Assets per employee ($millions) | 7.5253% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9223% | 4,542 |
| Loan loss allowance to noncurrent loans | 73.8360% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.0253% | 1,706 |
| Noncurrent loans to loans | 1.2492% | 1,549 |
| Net loans and leases to total assets | 75.8335% | 1,563 |
| Net loans and leases to deposits | 92.6894% | 1,407 |
| Net loans and leases to core deposits | 94.5739% | 2,106 |
| Total domestic deposits to total assets | 81.8147% | 3,938 |
| Equity capital to assets | 8.6113% | 5,217 |
| Core capital (leverage) ratio | 8.3532% | 5,315 |
| Tier 1 risk-based capital ratio | 13.4490% | 3,718 |
| Total risk-based capital ratio | 14.5838% | 3,703 |
| Memoranda: |
| Average total assets | $896,374,330 | 844 |
| Average earning assets | $859,967,330 | 800 |
| Average equity | $75,369,330 | 1,075 |
| Average total loans | $677,791,670 | 777 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5414% | 4,570 |
| Cost of funding earning assets | 0.6724% | 970 |
| Net interest margin | 2.8690% | 5,141 |
| Noninterest income to average assets | 0.7605% | 1,705 |
| Noninterest expense to average assets | 1.9578% | 5,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9670% | 2,448 |
| Return on assets (ROA) | 0.9670% | 2,499 |
| Pretax return on assets | 1.5569% | 1,353 |
| Return on Equity (ROE) | 11.6431% | 1,353 |
| Retained earnings to average equity (ytd only) | 11.6431% | 510 |
| Net charge-offs to loans | -0.0358% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7028% | 4,968 |
| Assets per employee ($millions) | 7.4725% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9439% | 4,585 |
| Loan loss allowance to noncurrent loans | 68.9757% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.0433% | 1,738 |
| Noncurrent loans to loans | 1.3685% | 1,471 |
| Net loans and leases to total assets | 72.7869% | 1,945 |
| Net loans and leases to deposits | 88.7558% | 1,701 |
| Net loans and leases to core deposits | 90.7993% | 2,288 |
| Total domestic deposits to total assets | 82.0080% | 4,167 |
| Equity capital to assets | 8.2622% | 5,376 |
| Core capital (leverage) ratio | 8.3261% | 5,363 |
| Tier 1 risk-based capital ratio | 13.3117% | 3,879 |
| Total risk-based capital ratio | 14.4604% | 3,861 |
| Memoranda: |
| Average total assets | $893,043,000 | 851 |
| Average earning assets | $857,288,000 | 813 |
| Average equity | $74,172,500 | 1,083 |
| Average total loans | $671,097,500 | 784 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6785% | 4,281 |
| Cost of funding earning assets | 0.7158% | 761 |
| Net interest margin | 2.9627% | 5,028 |
| Noninterest income to average assets | 0.7378% | 2,003 |
| Noninterest expense to average assets | 2.0182% | 5,150 |
| Loan and lease loss provision to assets | 0.0060% | 4,239 |
| Net operating income to assets | 0.9806% | 2,435 |
| Return on assets (ROA) | 0.9814% | 2,534 |
| Pretax return on assets | 1.5516% | 1,428 |
| Return on Equity (ROE) | 11.2320% | 1,493 |
| Retained earnings to average equity (ytd only) | 3.9305% | 3,128 |
| Net charge-offs to loans | 0.0812% | 2,529 |
| Credit loss provision to net charge-offs | 9.4697% | 3,742 |
| Earnings coverage of net charge-offs (x) | 24.7197% | 1,622 |
| Efficiency ratio | 56.4600% | 5,021 |
| Assets per employee ($millions) | 6.9400% | 946 |
| Cash dividends to net income (ytd only)* | 65.0061% | 1,541 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9316% | 4,649 |
| Loan loss allowance to noncurrent loans | 65.7671% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 1,599 |
| Noncurrent loans to loans | 1.4165% | 1,436 |
| Net loans and leases to total assets | 76.1688% | 1,489 |
| Net loans and leases to deposits | 92.8642% | 1,317 |
| Net loans and leases to core deposits | 94.9711% | 2,008 |
| Total domestic deposits to total assets | 82.0217% | 4,072 |
| Equity capital to assets | 8.3508% | 5,389 |
| Core capital (leverage) ratio | 8.3249% | 5,419 |
| Tier 1 risk-based capital ratio | 13.1488% | 3,973 |
| Total risk-based capital ratio | 14.3055% | 3,947 |
| Memoranda: |
| Average total assets | $838,610,400 | 866 |
| Average earning assets | $802,980,600 | 836 |
| Average equity | $73,272,600 | 1,082 |
| Average total loans | $650,244,400 | 768 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6724% | 4,336 |
| Cost of funding earning assets | 0.7178% | 747 |
| Net interest margin | 2.9547% | 5,089 |
| Noninterest income to average assets | 0.7359% | 2,017 |
| Noninterest expense to average assets | 2.0199% | 5,161 |
| Loan and lease loss provision to assets | 0.0080% | 4,073 |
| Net operating income to assets | 0.9724% | 2,560 |
| Return on assets (ROA) | 0.9734% | 2,684 |
| Pretax return on assets | 1.5376% | 1,580 |
| Return on Equity (ROE) | 11.0122% | 1,664 |
| Retained earnings to average equity (ytd only) | 7.8305% | 1,241 |
| Net charge-offs to loans | 0.0668% | 2,375 |
| Credit loss provision to net charge-offs | 15.4799% | 3,322 |
| Earnings coverage of net charge-offs (x) | 29.7459% | 1,498 |
| Efficiency ratio | 56.6758% | 4,998 |
| Assets per employee ($millions) | 6.9126% | 919 |
| Cash dividends to net income (ytd only)* | 28.8922% | 2,874 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9586% | 4,625 |
| Loan loss allowance to noncurrent loans | 74.6107% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.0740% | 1,911 |
| Noncurrent loans to loans | 1.2848% | 1,740 |
| Net loans and leases to total assets | 78.5942% | 1,100 |
| Net loans and leases to deposits | 95.7820% | 1,071 |
| Net loans and leases to core deposits | 97.9844% | 1,819 |
| Total domestic deposits to total assets | 82.0553% | 3,923 |
| Equity capital to assets | 8.8445% | 5,291 |
| Core capital (leverage) ratio | 8.5575% | 5,308 |
| Tier 1 risk-based capital ratio | 13.5867% | 3,811 |
| Total risk-based capital ratio | 14.7968% | 3,745 |
| Memoranda: |
| Average total assets | $829,652,750 | 874 |
| Average earning assets | $794,115,750 | 840 |
| Average equity | $73,335,000 | 1,086 |
| Average total loans | $644,727,000 | 774 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6455% | 4,461 |
| Cost of funding earning assets | 0.7132% | 750 |
| Net interest margin | 2.9323% | 5,205 |
| Noninterest income to average assets | 0.7297% | 2,005 |
| Noninterest expense to average assets | 2.0119% | 5,247 |
| Loan and lease loss provision to assets | 0.0122% | 3,858 |
| Net operating income to assets | 0.9576% | 2,592 |
| Return on assets (ROA) | 0.9592% | 2,729 |
| Pretax return on assets | 1.5134% | 1,630 |
| Return on Equity (ROE) | 10.8536% | 1,702 |
| Retained earnings to average equity (ytd only) | 10.8536% | 457 |
| Net charge-offs to loans | 0.0561% | 2,391 |
| Credit loss provision to net charge-offs | 28.0899% | 2,873 |
| Earnings coverage of net charge-offs (x) | 35.2022% | 1,257 |
| Efficiency ratio | 56.9140% | 5,039 |
| Assets per employee ($millions) | 7.1191% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0075% | 4,475 |
| Loan loss allowance to noncurrent loans | 75.4048% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0988% | 1,926 |
| Noncurrent loans to loans | 1.3361% | 1,681 |
| Net loans and leases to total assets | 76.6974% | 1,384 |
| Net loans and leases to deposits | 93.5517% | 1,330 |
| Net loans and leases to core deposits | 95.7413% | 1,999 |
| Total domestic deposits to total assets | 81.9839% | 4,003 |
| Equity capital to assets | 8.8523% | 5,359 |
| Core capital (leverage) ratio | 8.5564% | 5,313 |
| Tier 1 risk-based capital ratio | 13.7859% | 3,730 |
| Total risk-based capital ratio | 15.0361% | 3,647 |
| Memoranda: |
| Average total assets | $822,788,330 | 884 |
| Average earning assets | $787,152,330 | 845 |
| Average equity | $72,713,330 | 1,097 |
| Average total loans | $634,732,000 | 783 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6161% | 4,580 |
| Cost of funding earning assets | 0.7051% | 792 |
| Net interest margin | 2.9110% | 5,305 |
| Noninterest income to average assets | 0.6889% | 2,096 |
| Noninterest expense to average assets | 2.0153% | 5,299 |
| Loan and lease loss provision to assets | 0.0247% | 3,357 |
| Net operating income to assets | 0.9114% | 2,695 |
| Return on assets (ROA) | 0.9114% | 2,813 |
| Pretax return on assets | 1.4340% | 1,793 |
| Return on Equity (ROE) | 10.3223% | 1,845 |
| Retained earnings to average equity (ytd only) | 10.3223% | 781 |
| Net charge-offs to loans | 0.0058% | 2,914 |
| Credit loss provision to net charge-offs | 555.5556% | 559 |
| Earnings coverage of net charge-offs (x) | 328.4444% | 182 |
| Efficiency ratio | 58.0114% | 4,996 |
| Assets per employee ($millions) | 7.2480% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0700% | 4,224 |
| Loan loss allowance to noncurrent loans | 70.9118% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 1,692 |
| Noncurrent loans to loans | 1.5090% | 1,549 |
| Net loans and leases to total assets | 74.5783% | 1,632 |
| Net loans and leases to deposits | 91.0481% | 1,457 |
| Net loans and leases to core deposits | 93.2288% | 2,069 |
| Total domestic deposits to total assets | 81.9109% | 4,254 |
| Equity capital to assets | 8.6368% | 5,469 |
| Core capital (leverage) ratio | 8.7040% | 5,170 |
| Tier 1 risk-based capital ratio | 13.7115% | 3,858 |
| Total risk-based capital ratio | 14.9625% | 3,792 |
| Memoranda: |
| Average total assets | $810,596,500 | 898 |
| Average earning assets | $775,541,000 | 862 |
| Average equity | $71,573,000 | 1,102 |
| Average total loans | $623,912,000 | 793 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6608% | 4,487 |
| Cost of funding earning assets | 0.6440% | 1,106 |
| Net interest margin | 3.0168% | 5,098 |
| Noninterest income to average assets | 0.7277% | 2,078 |
| Noninterest expense to average assets | 2.1156% | 5,227 |
| Loan and lease loss provision to assets | 0.0598% | 3,110 |
| Net operating income to assets | 0.9118% | 2,805 |
| Return on assets (ROA) | 0.9116% | 2,885 |
| Pretax return on assets | 1.4286% | 1,795 |
| Return on Equity (ROE) | 9.9752% | 2,021 |
| Retained earnings to average equity (ytd only) | 6.6283% | 1,479 |
| Net charge-offs to loans | 0.1324% | 2,039 |
| Credit loss provision to net charge-offs | 59.9201% | 3,270 |
| Earnings coverage of net charge-offs (x) | 14.9055% | 2,253 |
| Efficiency ratio | 58.6968% | 5,066 |
| Assets per employee ($millions) | 6.5036% | 1,097 |
| Cash dividends to net income (ytd only)* | 33.5522% | 3,175 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0979% | 4,064 |
| Loan loss allowance to noncurrent loans | 74.3629% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3330% | 1,589 |
| Noncurrent loans to loans | 1.4764% | 1,575 |
| Net loans and leases to total assets | 77.8128% | 1,145 |
| Net loans and leases to deposits | 91.1965% | 1,489 |
| Net loans and leases to core deposits | 93.3841% | 2,102 |
| Total domestic deposits to total assets | 85.3243% | 2,937 |
| Equity capital to assets | 9.0375% | 5,087 |
| Core capital (leverage) ratio | 8.8295% | 5,077 |
| Tier 1 risk-based capital ratio | 14.0315% | 3,698 |
| Total risk-based capital ratio | 15.2832% | 3,620 |
| Memoranda: |
| Average total assets | $751,944,600 | 917 |
| Average earning assets | $716,977,200 | 889 |
| Average equity | $68,720,400 | 1,106 |
| Average total loans | $567,159,000 | 828 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6384% | 4,614 |
| Cost of funding earning assets | 0.6315% | 1,206 |
| Net interest margin | 3.0069% | 5,172 |
| Noninterest income to average assets | 0.7513% | 2,016 |
| Noninterest expense to average assets | 2.1381% | 5,193 |
| Loan and lease loss provision to assets | 0.0269% | 3,725 |
| Net operating income to assets | 0.9257% | 2,826 |
| Return on assets (ROA) | 0.9257% | 2,915 |
| Pretax return on assets | 1.4527% | 1,822 |
| Return on Equity (ROE) | 10.0992% | 2,068 |
| Retained earnings to average equity (ytd only) | 7.7555% | 1,356 |
| Net charge-offs to loans | 0.1414% | 1,708 |
| Credit loss provision to net charge-offs | 25.4669% | 3,320 |
| Earnings coverage of net charge-offs (x) | 14.0323% | 2,274 |
| Efficiency ratio | 59.1024% | 4,995 |
| Assets per employee ($millions) | 6.6514% | 999 |
| Cash dividends to net income (ytd only)* | 23.2064% | 3,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1182% | 4,119 |
| Loan loss allowance to noncurrent loans | 66.2021% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.4674% | 1,535 |
| Noncurrent loans to loans | 1.6891% | 1,438 |
| Net loans and leases to total assets | 76.3338% | 1,345 |
| Net loans and leases to deposits | 89.7395% | 1,686 |
| Net loans and leases to core deposits | 91.8234% | 2,285 |
| Total domestic deposits to total assets | 85.0615% | 2,982 |
| Equity capital to assets | 9.1751% | 5,140 |
| Core capital (leverage) ratio | 8.7856% | 5,247 |
| Tier 1 risk-based capital ratio | 14.0623% | 3,815 |
| Total risk-based capital ratio | 15.3138% | 3,760 |
| Memoranda: |
| Average total assets | $744,824,250 | 934 |
| Average earning assets | $709,992,500 | 899 |
| Average equity | $68,267,750 | 1,122 |
| Average total loans | $555,445,750 | 851 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5903% | 4,745 |
| Cost of funding earning assets | 0.6107% | 1,341 |
| Net interest margin | 2.9796% | 5,273 |
| Noninterest income to average assets | 0.7619% | 1,939 |
| Noninterest expense to average assets | 2.2118% | 5,082 |
| Loan and lease loss provision to assets | 0.0406% | 3,302 |
| Net operating income to assets | 0.8931% | 2,914 |
| Return on assets (ROA) | 0.8931% | 3,042 |
| Pretax return on assets | 1.3491% | 2,184 |
| Return on Equity (ROE) | 9.7472% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.7472% | 717 |
| Net charge-offs to loans | 0.2034% | 1,242 |
| Credit loss provision to net charge-offs | 27.1248% | 2,950 |
| Earnings coverage of net charge-offs (x) | 9.2749% | 2,470 |
| Efficiency ratio | 61.4129% | 4,770 |
| Assets per employee ($millions) | 6.6088% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1765% | 3,932 |
| Loan loss allowance to noncurrent loans | 58.8355% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.6462% | 1,459 |
| Noncurrent loans to loans | 1.9997% | 1,221 |
| Net loans and leases to total assets | 72.7411% | 1,855 |
| Net loans and leases to deposits | 87.2380% | 1,915 |
| Net loans and leases to core deposits | 89.1740% | 2,434 |
| Total domestic deposits to total assets | 83.3824% | 3,799 |
| Equity capital to assets | 9.0277% | 5,208 |
| Core capital (leverage) ratio | 8.8078% | 5,221 |
| Tier 1 risk-based capital ratio | 14.6390% | 3,557 |
| Total risk-based capital ratio | 15.8915% | 3,485 |
| Memoranda: |
| Average total assets | $738,129,330 | 943 |
| Average earning assets | $703,450,330 | 911 |
| Average equity | $67,630,000 | 1,137 |
| Average total loans | $543,765,330 | 866 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5628% | 4,793 |
| Cost of funding earning assets | 0.5753% | 1,614 |
| Net interest margin | 2.9874% | 5,249 |
| Noninterest income to average assets | 0.8128% | 1,665 |
| Noninterest expense to average assets | 2.1926% | 5,171 |
| Loan and lease loss provision to assets | 0.0829% | 2,316 |
| Net operating income to assets | 0.8852% | 2,819 |
| Return on assets (ROA) | 0.8852% | 2,945 |
| Pretax return on assets | 1.3836% | 1,947 |
| Return on Equity (ROE) | 9.5869% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.5869% | 1,021 |
| Net charge-offs to loans | 0.0690% | 2,045 |
| Credit loss provision to net charge-offs | 163.0435% | 1,193 |
| Earnings coverage of net charge-offs (x) | 28.8478% | 1,176 |
| Efficiency ratio | 59.9215% | 5,099 |
| Assets per employee ($millions) | 6.4601% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3136% | 3,325 |
| Loan loss allowance to noncurrent loans | 70.7312% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4194% | 1,867 |
| Noncurrent loans to loans | 1.8572% | 1,448 |
| Net loans and leases to total assets | 71.1778% | 1,949 |
| Net loans and leases to deposits | 84.5365% | 2,000 |
| Net loans and leases to core deposits | 86.1649% | 2,530 |
| Total domestic deposits to total assets | 84.1977% | 3,741 |
| Equity capital to assets | 9.0495% | 5,234 |
| Core capital (leverage) ratio | 9.0529% | 4,893 |
| Tier 1 risk-based capital ratio | 14.7634% | 3,567 |
| Total risk-based capital ratio | 16.0177% | 3,492 |
| Memoranda: |
| Average total assets | $723,884,000 | 956 |
| Average earning assets | $689,685,500 | 930 |
| Average equity | $66,841,000 | 1,146 |
| Average total loans | $533,504,500 | 884 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6706% | 4,877 |
| Cost of funding earning assets | 0.5318% | 2,372 |
| Net interest margin | 3.1388% | 5,099 |
| Noninterest income to average assets | 0.7349% | 2,145 |
| Noninterest expense to average assets | 2.2241% | 5,290 |
| Loan and lease loss provision to assets | 0.0664% | 3,172 |
| Net operating income to assets | 0.8944% | 2,904 |
| Return on assets (ROA) | 0.9012% | 2,953 |
| Pretax return on assets | 1.4285% | 1,788 |
| Return on Equity (ROE) | 9.6219% | 2,284 |
| Retained earnings to average equity (ytd only) | 7.8888% | 1,059 |
| Net charge-offs to loans | 0.0675% | 3,513 |
| Credit loss provision to net charge-offs | 137.6147% | 1,717 |
| Earnings coverage of net charge-offs (x) | 30.7584% | 1,310 |
| Efficiency ratio | 59.9745% | 5,231 |
| Assets per employee ($millions) | 5.8688% | 1,475 |
| Cash dividends to net income (ytd only)* | 18.0121% | 3,890 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3375% | 3,244 |
| Loan loss allowance to noncurrent loans | 127.3648% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 2,905 |
| Noncurrent loans to loans | 1.0501% | 2,724 |
| Net loans and leases to total assets | 74.3820% | 1,519 |
| Net loans and leases to deposits | 90.6331% | 1,447 |
| Net loans and leases to core deposits | 92.0536% | 2,078 |
| Total domestic deposits to total assets | 82.0694% | 4,397 |
| Equity capital to assets | 9.4312% | 4,807 |
| Core capital (leverage) ratio | 9.2447% | 4,610 |
| Tier 1 risk-based capital ratio | 15.2200% | 3,367 |
| Total risk-based capital ratio | 16.4754% | 3,313 |
| Memoranda: |
| Average total assets | $677,635,200 | 982 |
| Average earning assets | $641,934,400 | 958 |
| Average equity | $63,470,000 | 1,149 |
| Average total loans | $484,499,200 | 917 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6828% | 4,910 |
| Cost of funding earning assets | 0.5366% | 2,406 |
| Net interest margin | 3.1462% | 5,127 |
| Noninterest income to average assets | 0.7457% | 2,116 |
| Noninterest expense to average assets | 2.2262% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9422% | 2,721 |
| Return on assets (ROA) | 0.9513% | 2,763 |
| Pretax return on assets | 1.5123% | 1,609 |
| Return on Equity (ROE) | 10.1751% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.7510% | 766 |
| Net charge-offs to loans | 0.0883% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 24.0603% | 1,560 |
| Efficiency ratio | 59.7775% | 5,211 |
| Assets per employee ($millions) | 5.8144% | 1,476 |
| Cash dividends to net income (ytd only)* | 4.1684% | 3,723 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3220% | 3,539 |
| Loan loss allowance to noncurrent loans | 173.4051% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 3,456 |
| Noncurrent loans to loans | 0.7624% | 3,688 |
| Net loans and leases to total assets | 72.4700% | 1,770 |
| Net loans and leases to deposits | 89.1123% | 1,537 |
| Net loans and leases to core deposits | 90.2161% | 2,204 |
| Total domestic deposits to total assets | 81.3244% | 4,725 |
| Equity capital to assets | 9.6415% | 4,623 |
| Core capital (leverage) ratio | 9.4053% | 4,508 |
| Tier 1 risk-based capital ratio | 15.8603% | 3,122 |
| Total risk-based capital ratio | 17.1153% | 3,064 |
| Memoranda: |
| Average total assets | $672,446,250 | 1,003 |
| Average earning assets | $636,595,750 | 973 |
| Average equity | $62,870,750 | 1,170 |
| Average total loans | $473,994,250 | 940 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6091% | 5,127 |
| Cost of funding earning assets | 0.5490% | 2,358 |
| Net interest margin | 3.0601% | 5,370 |
| Noninterest income to average assets | 0.7208% | 2,182 |
| Noninterest expense to average assets | 2.2086% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8886% | 2,865 |
| Return on assets (ROA) | 0.8886% | 2,960 |
| Pretax return on assets | 1.4063% | 1,870 |
| Return on Equity (ROE) | 9.6055% | 2,321 |
| Retained earnings to average equity (ytd only) | 8.9600% | 996 |
| Net charge-offs to loans | 0.0730% | 2,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 27.7059% | 1,331 |
| Efficiency ratio | 61.0969% | 5,132 |
| Assets per employee ($millions) | 5.7627% | 1,464 |
| Cash dividends to net income (ytd only)* | 6.7204% | 3,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3757% | 3,470 |
| Loan loss allowance to noncurrent loans | 109.5617% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 2,893 |
| Noncurrent loans to loans | 1.2556% | 2,712 |
| Net loans and leases to total assets | 71.7604% | 1,788 |
| Net loans and leases to deposits | 84.9188% | 1,940 |
| Net loans and leases to core deposits | 85.8039% | 2,535 |
| Total domestic deposits to total assets | 84.5046% | 3,719 |
| Equity capital to assets | 9.4622% | 4,782 |
| Core capital (leverage) ratio | 9.1852% | 4,767 |
| Tier 1 risk-based capital ratio | 15.8146% | 3,188 |
| Total risk-based capital ratio | 17.0707% | 3,119 |
| Memoranda: |
| Average total assets | $669,832,330 | 1,009 |
| Average earning assets | $633,502,670 | 977 |
| Average equity | $61,964,330 | 1,176 |
| Average total loans | $465,455,670 | 951 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5652% | 5,259 |
| Cost of funding earning assets | 0.5695% | 2,248 |
| Net interest margin | 2.9957% | 5,532 |
| Noninterest income to average assets | 0.7082% | 2,137 |
| Noninterest expense to average assets | 2.2186% | 5,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8352% | 2,978 |
| Return on assets (ROA) | 0.8352% | 3,049 |
| Pretax return on assets | 1.3199% | 2,028 |
| Return on Equity (ROE) | 9.1339% | 2,399 |
| Retained earnings to average equity (ytd only) | 7.8234% | 1,674 |
| Net charge-offs to loans | 0.0230% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 84.7308% | 519 |
| Efficiency ratio | 62.6990% | 5,035 |
| Assets per employee ($millions) | 5.7338% | 1,507 |
| Cash dividends to net income (ytd only)* | 14.3472% | 2,617 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5179% | 3,071 |
| Loan loss allowance to noncurrent loans | 252.5834% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 4,227 |
| Noncurrent loans to loans | 0.6009% | 4,355 |
| Net loans and leases to total assets | 66.6651% | 2,450 |
| Net loans and leases to deposits | 78.0115% | 2,555 |
| Net loans and leases to core deposits | 78.9364% | 3,098 |
| Total domestic deposits to total assets | 85.4554% | 3,645 |
| Equity capital to assets | 9.2102% | 4,867 |
| Core capital (leverage) ratio | 9.0580% | 4,923 |
| Tier 1 risk-based capital ratio | 16.5339% | 2,883 |
| Total risk-based capital ratio | 17.7920% | 2,847 |
| Memoranda: |
| Average total assets | $667,628,500 | 1,019 |
| Average earning assets | $630,761,500 | 987 |
| Average equity | $61,047,500 | 1,190 |
| Average total loans | $452,890,500 | 970 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8019% | 4,812 |
| Cost of funding earning assets | 0.6741% | 2,004 |
| Net interest margin | 3.1278% | 5,237 |
| Noninterest income to average assets | 0.8137% | 2,010 |
| Noninterest expense to average assets | 2.2182% | 5,584 |
| Loan and lease loss provision to assets | 0.1834% | 2,008 |
| Net operating income to assets | 0.8462% | 3,060 |
| Return on assets (ROA) | 0.8462% | 3,135 |
| Pretax return on assets | 1.3492% | 1,973 |
| Return on Equity (ROE) | 9.1012% | 2,488 |
| Retained earnings to average equity (ytd only) | 1.3772% | 5,208 |
| Net charge-offs to loans | 0.3310% | 2,025 |
| Credit loss provision to net charge-offs | 80.4829% | 3,034 |
| Earnings coverage of net charge-offs (x) | 6.7270% | 2,997 |
| Efficiency ratio | 59.1396% | 5,586 |
| Assets per employee ($millions) | 5.6305% | 1,537 |
| Cash dividends to net income (ytd only)* | 84.8682% | 773 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5319% | 3,046 |
| Loan loss allowance to noncurrent loans | 309.0219% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 4,352 |
| Noncurrent loans to loans | 0.4957% | 4,757 |
| Net loans and leases to total assets | 66.9388% | 2,532 |
| Net loans and leases to deposits | 79.3368% | 2,547 |
| Net loans and leases to core deposits | 80.2965% | 3,096 |
| Total domestic deposits to total assets | 84.3730% | 4,030 |
| Equity capital to assets | 9.0770% | 4,946 |
| Core capital (leverage) ratio | 8.9047% | 5,136 |
| Tier 1 risk-based capital ratio | 16.5727% | 2,810 |
| Total risk-based capital ratio | 17.8313% | 2,779 |
| Memoranda: |
| Average total assets | $654,444,200 | 1,019 |
| Average earning assets | $614,562,000 | 991 |
| Average equity | $60,849,200 | 1,182 |
| Average total loans | $450,445,400 | 949 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8145% | 4,802 |
| Cost of funding earning assets | 0.6895% | 2,022 |
| Net interest margin | 3.1249% | 5,251 |
| Noninterest income to average assets | 0.8364% | 1,989 |
| Noninterest expense to average assets | 2.1970% | 5,610 |
| Loan and lease loss provision to assets | 0.1534% | 2,350 |
| Net operating income to assets | 0.8847% | 2,912 |
| Return on assets (ROA) | 0.8847% | 3,023 |
| Pretax return on assets | 1.4177% | 1,879 |
| Return on Equity (ROE) | 9.4579% | 2,419 |
| Retained earnings to average equity (ytd only) | -0.8177% | 6,103 |
| Net charge-offs to loans | 0.3990% | 1,605 |
| Credit loss provision to net charge-offs | 55.6793% | 3,384 |
| Earnings coverage of net charge-offs (x) | 5.7030% | 3,123 |
| Efficiency ratio | 58.3066% | 5,649 |
| Assets per employee ($millions) | 5.9820% | 1,254 |
| Cash dividends to net income (ytd only)* | 108.6453% | 320 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4749% | 3,565 |
| Loan loss allowance to noncurrent loans | 100.7465% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 2,997 |
| Noncurrent loans to loans | 1.4640% | 2,971 |
| Net loans and leases to total assets | 67.1333% | 2,438 |
| Net loans and leases to deposits | 79.4372% | 2,484 |
| Net loans and leases to core deposits | 80.4031% | 3,078 |
| Total domestic deposits to total assets | 84.5112% | 3,969 |
| Equity capital to assets | 9.0002% | 5,190 |
| Core capital (leverage) ratio | 8.7927% | 5,424 |
| Tier 1 risk-based capital ratio | 16.1782% | 3,090 |
| Total risk-based capital ratio | 17.4357% | 3,051 |
| Memoranda: |
| Average total assets | $651,954,750 | 1,028 |
| Average earning assets | $611,623,500 | 1,005 |
| Average equity | $60,984,500 | 1,189 |
| Average total loans | $450,141,250 | 952 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8613% | 4,614 |
| Cost of funding earning assets | 0.7038% | 2,042 |
| Net interest margin | 3.1575% | 5,098 |
| Noninterest income to average assets | 0.8807% | 1,884 |
| Noninterest expense to average assets | 2.1821% | 5,675 |
| Loan and lease loss provision to assets | 0.1539% | 2,395 |
| Net operating income to assets | 0.9315% | 2,656 |
| Return on assets (ROA) | 0.9315% | 2,788 |
| Pretax return on assets | 1.5020% | 1,612 |
| Return on Equity (ROE) | 9.8324% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.8324% | 887 |
| Net charge-offs to loans | 0.3776% | 1,699 |
| Credit loss provision to net charge-offs | 58.7544% | 3,045 |
| Earnings coverage of net charge-offs (x) | 6.3231% | 2,739 |
| Efficiency ratio | 56.8554% | 5,867 |
| Assets per employee ($millions) | 6.0601% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5228% | 3,472 |
| Loan loss allowance to noncurrent loans | 133.8864% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 3,696 |
| Noncurrent loans to loans | 1.1374% | 3,661 |
| Net loans and leases to total assets | 67.7700% | 2,295 |
| Net loans and leases to deposits | 79.2831% | 2,423 |
| Net loans and leases to core deposits | 80.2399% | 2,999 |
| Total domestic deposits to total assets | 85.4784% | 3,650 |
| Equity capital to assets | 9.4937% | 4,590 |
| Core capital (leverage) ratio | 9.3182% | 4,510 |
| Tier 1 risk-based capital ratio | 17.2636% | 2,610 |
| Total risk-based capital ratio | 18.5221% | 2,574 |
| Memoranda: |
| Average total assets | $649,933,330 | 1,034 |
| Average earning assets | $608,713,670 | 1,013 |
| Average equity | $61,571,670 | 1,184 |
| Average total loans | $450,734,000 | 947 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9115% | 4,428 |
| Cost of funding earning assets | 0.7038% | 2,171 |
| Net interest margin | 3.2076% | 4,906 |
| Noninterest income to average assets | 0.8912% | 1,787 |
| Noninterest expense to average assets | 2.1975% | 5,693 |
| Loan and lease loss provision to assets | 0.1544% | 2,328 |
| Net operating income to assets | 0.9641% | 2,379 |
| Return on assets (ROA) | 0.9641% | 2,511 |
| Pretax return on assets | 1.5595% | 1,403 |
| Return on Equity (ROE) | 10.1877% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.1877% | 1,059 |
| Net charge-offs to loans | 0.4072% | 1,436 |
| Credit loss provision to net charge-offs | 54.4662% | 2,540 |
| Earnings coverage of net charge-offs (x) | 6.0458% | 2,283 |
| Efficiency ratio | 56.1819% | 6,046 |
| Assets per employee ($millions) | 5.8217% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5679% | 3,534 |
| Loan loss allowance to noncurrent loans | 156.2723% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0033% | 3,920 |
| Noncurrent loans to loans | 1.0033% | 4,123 |
| Net loans and leases to total assets | 66.8112% | 2,228 |
| Net loans and leases to deposits | 78.1335% | 2,317 |
| Net loans and leases to core deposits | 79.1189% | 2,914 |
| Total domestic deposits to total assets | 85.5090% | 3,788 |
| Equity capital to assets | 9.4296% | 4,956 |
| Core capital (leverage) ratio | 9.3220% | 4,361 |
| Tier 1 risk-based capital ratio | 16.8872% | 2,806 |
| Total risk-based capital ratio | 18.1464% | 2,776 |
| Memoranda: |
| Average total assets | $647,652,500 | 1,051 |
| Average earning assets | $609,797,500 | 1,019 |
| Average equity | $61,289,500 | 1,202 |
| Average total loans | $450,896,000 | 949 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2203% | 4,510 |
| Cost of funding earning assets | 0.9300% | 1,761 |
| Net interest margin | 3.2904% | 5,276 |
| Noninterest income to average assets | 0.6426% | 3,037 |
| Noninterest expense to average assets | 2.2523% | 5,809 |
| Loan and lease loss provision to assets | 0.3151% | 2,172 |
| Net operating income to assets | 0.7248% | 3,623 |
| Return on assets (ROA) | 0.7248% | 3,871 |
| Pretax return on assets | 1.1615% | 2,944 |
| Return on Equity (ROE) | 7.8538% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.8538% | 1,171 |
| Net charge-offs to loans | 0.5031% | 2,233 |
| Credit loss provision to net charge-offs | 89.2857% | 3,504 |
| Earnings coverage of net charge-offs (x) | 4.1844% | 3,448 |
| Efficiency ratio | 60.4014% | 5,488 |
| Assets per employee ($millions) | 5.3121% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5837% | 3,391 |
| Loan loss allowance to noncurrent loans | 116.9316% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3143% | 3,455 |
| Noncurrent loans to loans | 1.3544% | 3,571 |
| Net loans and leases to total assets | 70.2895% | 1,785 |
| Net loans and leases to deposits | 81.2909% | 2,111 |
| Net loans and leases to core deposits | 82.1858% | 2,749 |
| Total domestic deposits to total assets | 86.4666% | 3,116 |
| Equity capital to assets | 9.4981% | 4,874 |
| Core capital (leverage) ratio | 9.0758% | 4,775 |
| Tier 1 risk-based capital ratio | 16.5598% | 2,857 |
| Total risk-based capital ratio | 17.8199% | 2,823 |
| Memoranda: |
| Average total assets | $634,782,800 | 1,039 |
| Average earning assets | $595,404,000 | 1,011 |
| Average equity | $58,582,800 | 1,211 |
| Average total loans | $445,253,400 | 932 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2383% | 4,679 |
| Cost of funding earning assets | 0.9754% | 1,708 |
| Net interest margin | 3.2630% | 5,504 |
| Noninterest income to average assets | 0.6585% | 2,942 |
| Noninterest expense to average assets | 2.1995% | 5,950 |
| Loan and lease loss provision to assets | 0.1472% | 3,698 |
| Net operating income to assets | 0.8509% | 3,211 |
| Return on assets (ROA) | 0.8509% | 3,466 |
| Pretax return on assets | 1.3715% | 2,339 |
| Return on Equity (ROE) | 9.2885% | 2,677 |
| Retained earnings to average equity (ytd only) | 9.2885% | 1,125 |
| Net charge-offs to loans | 0.4315% | 2,374 |
| Credit loss provision to net charge-offs | 48.8486% | 4,428 |
| Earnings coverage of net charge-offs (x) | 5.0405% | 3,129 |
| Efficiency ratio | 59.1552% | 5,637 |
| Assets per employee ($millions) | 5.6043% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4763% | 4,046 |
| Loan loss allowance to noncurrent loans | 113.7125% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4716% | 3,396 |
| Noncurrent loans to loans | 1.2983% | 3,867 |
| Net loans and leases to total assets | 70.1647% | 1,879 |
| Net loans and leases to deposits | 80.9461% | 2,256 |
| Net loans and leases to core deposits | 82.0812% | 2,953 |
| Total domestic deposits to total assets | 86.6807% | 2,864 |
| Equity capital to assets | 9.4227% | 5,302 |
| Core capital (leverage) ratio | 9.0002% | 5,069 |
| Tier 1 risk-based capital ratio | 16.3973% | 3,063 |
| Total risk-based capital ratio | 17.6558% | 3,020 |
| Memoranda: |
| Average total assets | $634,115,000 | 1,048 |
| Average earning assets | $594,620,500 | 1,018 |
| Average equity | $58,092,000 | 1,224 |
| Average total loans | $442,748,500 | 943 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2671% | 4,695 |
| Cost of funding earning assets | 1.0104% | 1,703 |
| Net interest margin | 3.2567% | 5,572 |
| Noninterest income to average assets | 0.6536% | 2,937 |
| Noninterest expense to average assets | 2.2051% | 5,996 |
| Loan and lease loss provision to assets | 0.0949% | 4,365 |
| Net operating income to assets | 0.8708% | 3,040 |
| Return on assets (ROA) | 0.8708% | 3,302 |
| Pretax return on assets | 1.4061% | 2,174 |
| Return on Equity (ROE) | 9.5977% | 2,529 |
| Retained earnings to average equity (ytd only) | 9.5977% | 1,082 |
| Net charge-offs to loans | 0.4153% | 2,376 |
| Credit loss provision to net charge-offs | 32.9308% | 4,392 |
| Earnings coverage of net charge-offs (x) | 5.2108% | 2,882 |
| Efficiency ratio | 59.5000% | 5,661 |
| Assets per employee ($millions) | 5.7234% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5433% | 3,811 |
| Loan loss allowance to noncurrent loans | 116.3293% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.6499% | 3,244 |
| Noncurrent loans to loans | 1.3267% | 3,929 |
| Net loans and leases to total assets | 68.6771% | 2,168 |
| Net loans and leases to deposits | 77.7808% | 2,708 |
| Net loans and leases to core deposits | 78.9357% | 3,369 |
| Total domestic deposits to total assets | 88.2957% | 1,961 |
| Equity capital to assets | 9.2603% | 5,379 |
| Core capital (leverage) ratio | 8.9031% | 5,044 |
| Tier 1 risk-based capital ratio | 16.2953% | 3,005 |
| Total risk-based capital ratio | 17.5544% | 2,978 |
| Memoranda: |
| Average total assets | $632,522,000 | 1,048 |
| Average earning assets | $592,861,000 | 1,017 |
| Average equity | $57,389,000 | 1,236 |
| Average total loans | $438,666,330 | 952 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2963% | 4,753 |
| Cost of funding earning assets | 1.0699% | 1,557 |
| Net interest margin | 3.2265% | 5,713 |
| Noninterest income to average assets | 0.8005% | 2,165 |
| Noninterest expense to average assets | 2.1098% | 6,251 |
| Loan and lease loss provision to assets | 0.1901% | 3,051 |
| Net operating income to assets | 0.9380% | 2,758 |
| Return on assets (ROA) | 0.9380% | 2,958 |
| Pretax return on assets | 1.5261% | 1,809 |
| Return on Equity (ROE) | 10.4467% | 2,256 |
| Retained earnings to average equity (ytd only) | 10.4467% | 1,169 |
| Net charge-offs to loans | 0.2832% | 2,537 |
| Credit loss provision to net charge-offs | 97.0874% | 2,421 |
| Earnings coverage of net charge-offs (x) | 8.7638% | 1,922 |
| Efficiency ratio | 55.1433% | 6,212 |
| Assets per employee ($millions) | 5.7480% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7280% | 3,237 |
| Loan loss allowance to noncurrent loans | 97.6509% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.9975% | 2,902 |
| Noncurrent loans to loans | 1.7695% | 3,455 |
| Net loans and leases to total assets | 66.9295% | 2,298 |
| Net loans and leases to deposits | 75.9912% | 2,795 |
| Net loans and leases to core deposits | 77.1161% | 3,454 |
| Total domestic deposits to total assets | 88.0753% | 2,263 |
| Equity capital to assets | 9.0868% | 5,376 |
| Core capital (leverage) ratio | 8.7436% | 5,218 |
| Tier 1 risk-based capital ratio | 16.2902% | 3,021 |
| Total risk-based capital ratio | 17.5521% | 2,975 |
| Memoranda: |
| Average total assets | $631,135,500 | 1,050 |
| Average earning assets | $591,851,500 | 1,018 |
| Average equity | $56,668,500 | 1,257 |
| Average total loans | $436,429,000 | 956 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5367% | 4,930 |
| Cost of funding earning assets | 1.2673% | 1,645 |
| Net interest margin | 3.2694% | 5,903 |
| Noninterest income to average assets | 0.7824% | 2,152 |
| Noninterest expense to average assets | 2.2765% | 6,097 |
| Loan and lease loss provision to assets | 0.2726% | 3,492 |
| Net operating income to assets | 0.7973% | 3,047 |
| Return on assets (ROA) | 0.7973% | 3,217 |
| Pretax return on assets | 1.2998% | 2,133 |
| Return on Equity (ROE) | 9.2121% | 2,362 |
| Retained earnings to average equity (ytd only) | 7.3593% | 1,337 |
| Net charge-offs to loans | 0.4209% | 3,322 |
| Credit loss provision to net charge-offs | 89.9947% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.1911% | 2,877 |
| Efficiency ratio | 59.1468% | 5,877 |
| Assets per employee ($millions) | 5.6756% | 1,459 |
| Cash dividends to net income (ytd only)* | 20.1126% | 3,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6846% | 3,258 |
| Loan loss allowance to noncurrent loans | 135.9241% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 1.5806% | 3,572 |
| Noncurrent loans to loans | 1.2394% | 4,295 |
| Net loans and leases to total assets | 69.0145% | 2,211 |
| Net loans and leases to deposits | 78.4345% | 2,768 |
| Net loans and leases to core deposits | 79.7812% | 3,470 |
| Total domestic deposits to total assets | 87.9899% | 2,164 |
| Equity capital to assets | 8.8704% | 5,708 |
| Core capital (leverage) ratio | 8.4695% | 5,613 |
| Tier 1 risk-based capital ratio | 15.7345% | 3,200 |
| Total risk-based capital ratio | 16.9962% | 3,157 |
| Memoranda: |
| Average total assets | $623,632,000 | 1,041 |
| Average earning assets | $584,935,600 | 1,010 |
| Average equity | $53,972,400 | 1,259 |
| Average total loans | $448,816,800 | 931 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5734% | 4,987 |
| Cost of funding earning assets | 1.2978% | 1,720 |
| Net interest margin | 3.2756% | 5,931 |
| Noninterest income to average assets | 0.7774% | 2,156 |
| Noninterest expense to average assets | 2.3295% | 5,959 |
| Loan and lease loss provision to assets | 0.1072% | 5,097 |
| Net operating income to assets | 0.8632% | 2,896 |
| Return on assets (ROA) | 0.8632% | 3,043 |
| Pretax return on assets | 1.4125% | 1,909 |
| Return on Equity (ROE) | 10.0369% | 2,184 |
| Retained earnings to average equity (ytd only) | 8.1676% | 1,443 |
| Net charge-offs to loans | 0.2933% | 3,622 |
| Credit loss provision to net charge-offs | 50.4541% | 5,027 |
| Earnings coverage of net charge-offs (x) | 7.1544% | 2,412 |
| Efficiency ratio | 60.5190% | 5,635 |
| Assets per employee ($millions) | 5.5089% | 1,589 |
| Cash dividends to net income (ytd only)* | 18.6244% | 2,990 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6160% | 3,586 |
| Loan loss allowance to noncurrent loans | 230.2835% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 4,375 |
| Noncurrent loans to loans | 0.7017% | 5,477 |
| Net loans and leases to total assets | 69.2943% | 2,220 |
| Net loans and leases to deposits | 78.2275% | 2,938 |
| Net loans and leases to core deposits | 79.5241% | 3,703 |
| Total domestic deposits to total assets | 88.5805% | 1,710 |
| Equity capital to assets | 8.8092% | 5,972 |
| Core capital (leverage) ratio | 8.4334% | 5,800 |
| Tier 1 risk-based capital ratio | 15.3646% | 3,451 |
| Total risk-based capital ratio | 16.6249% | 3,419 |
| Memoranda: |
| Average total assets | $622,041,500 | 1,056 |
| Average earning assets | $583,330,500 | 1,016 |
| Average equity | $53,494,750 | 1,273 |
| Average total loans | $450,461,750 | 944 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5989% | 4,964 |
| Cost of funding earning assets | 1.3295% | 1,761 |
| Net interest margin | 3.2694% | 5,941 |
| Noninterest income to average assets | 0.7948% | 2,042 |
| Noninterest expense to average assets | 2.2434% | 6,261 |
| Loan and lease loss provision to assets | 0.0403% | 5,804 |
| Net operating income to assets | 0.9619% | 2,380 |
| Return on assets (ROA) | 0.9619% | 2,486 |
| Pretax return on assets | 1.5776% | 1,301 |
| Return on Equity (ROE) | 11.2772% | 1,705 |
| Retained earnings to average equity (ytd only) | 8.4409% | 1,285 |
| Net charge-offs to loans | 0.3182% | 3,280 |
| Credit loss provision to net charge-offs | 17.3370% | 5,172 |
| Earnings coverage of net charge-offs (x) | 6.9570% | 2,302 |
| Efficiency ratio | 58.0987% | 6,147 |
| Assets per employee ($millions) | 5.3215% | 1,733 |
| Cash dividends to net income (ytd only)* | 25.1509% | 2,668 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5849% | 3,754 |
| Loan loss allowance to noncurrent loans | 213.1659% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 4,303 |
| Noncurrent loans to loans | 0.7435% | 5,425 |
| Net loans and leases to total assets | 70.2429% | 2,171 |
| Net loans and leases to deposits | 78.8725% | 2,983 |
| Net loans and leases to core deposits | 80.1372% | 3,766 |
| Total domestic deposits to total assets | 89.0588% | 1,501 |
| Equity capital to assets | 8.7008% | 5,947 |
| Core capital (leverage) ratio | 8.2500% | 5,950 |
| Tier 1 risk-based capital ratio | 15.1405% | 3,430 |
| Total risk-based capital ratio | 16.4006% | 3,385 |
| Memoranda: |
| Average total assets | $620,050,670 | 1,069 |
| Average earning assets | $581,574,330 | 1,028 |
| Average equity | $52,885,330 | 1,274 |
| Average total loans | $453,173,670 | 957 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6106% | 4,898 |
| Cost of funding earning assets | 1.3679% | 1,783 |
| Net interest margin | 3.2427% | 5,945 |
| Noninterest income to average assets | 0.9024% | 1,655 |
| Noninterest expense to average assets | 2.1979% | 6,428 |
| Loan and lease loss provision to assets | 0.0808% | 4,997 |
| Net operating income to assets | 1.0143% | 2,140 |
| Return on assets (ROA) | 1.0143% | 2,187 |
| Pretax return on assets | 1.6672% | 1,046 |
| Return on Equity (ROE) | 12.0133% | 1,458 |
| Retained earnings to average equity (ytd only) | 12.0133% | 737 |
| Net charge-offs to loans | 0.0997% | 3,955 |
| Credit loss provision to net charge-offs | 109.6491% | 2,434 |
| Earnings coverage of net charge-offs (x) | 23.7193% | 1,007 |
| Efficiency ratio | 55.7012% | 6,534 |
| Assets per employee ($millions) | 5.3396% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7054% | 3,322 |
| Loan loss allowance to noncurrent loans | 244.9568% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 4,528 |
| Noncurrent loans to loans | 0.6962% | 5,626 |
| Net loans and leases to total assets | 70.5768% | 2,013 |
| Net loans and leases to deposits | 79.0539% | 2,881 |
| Net loans and leases to core deposits | 80.3347% | 3,700 |
| Total domestic deposits to total assets | 89.2768% | 1,597 |
| Equity capital to assets | 8.4832% | 5,933 |
| Core capital (leverage) ratio | 8.2685% | 5,872 |
| Tier 1 risk-based capital ratio | 14.7959% | 3,546 |
| Total risk-based capital ratio | 16.0009% | 3,540 |
| Memoranda: |
| Average total assets | $618,770,500 | 1,079 |
| Average earning assets | $580,755,000 | 1,042 |
| Average equity | $52,242,000 | 1,279 |
| Average total loans | $457,569,000 | 958 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1326% | 3,946 |
| Cost of funding earning assets | 1.6558% | 1,798 |
| Net interest margin | 3.4768% | 5,337 |
| Noninterest income to average assets | 0.7515% | 2,535 |
| Noninterest expense to average assets | 2.2941% | 6,375 |
| Loan and lease loss provision to assets | 0.7537% | 2,177 |
| Net operating income to assets | 0.6127% | 3,616 |
| Return on assets (ROA) | 0.6127% | 3,784 |
| Pretax return on assets | 0.9780% | 3,005 |
| Return on Equity (ROE) | 7.2481% | 3,006 |
| Retained earnings to average equity (ytd only) | 6.6537% | 1,479 |
| Net charge-offs to loans | 0.5579% | 3,384 |
| Credit loss provision to net charge-offs | 169.4915% | 2,003 |
| Earnings coverage of net charge-offs (x) | 3.8942% | 3,140 |
| Efficiency ratio | 56.9854% | 6,461 |
| Assets per employee ($millions) | 5.2828% | 1,770 |
| Cash dividends to net income (ytd only)* | 8.2012% | 3,807 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6373% | 3,434 |
| Loan loss allowance to noncurrent loans | 187.6443% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2869% | 4,457 |
| Noncurrent loans to loans | 0.8725% | 5,320 |
| Net loans and leases to total assets | 74.8901% | 1,497 |
| Net loans and leases to deposits | 84.0022% | 2,446 |
| Net loans and leases to core deposits | 85.3825% | 3,415 |
| Total domestic deposits to total assets | 89.1526% | 1,565 |
| Equity capital to assets | 8.4017% | 6,000 |
| Core capital (leverage) ratio | 8.0861% | 6,050 |
| Tier 1 risk-based capital ratio | 14.7105% | 3,417 |
| Total risk-based capital ratio | 15.9734% | 3,374 |
| Memoranda: |
| Average total assets | $597,048,000 | 1,125 |
| Average earning assets | $562,265,400 | 1,077 |
| Average equity | $50,468,200 | 1,317 |
| Average total loans | $475,882,400 | 946 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1904% | 3,875 |
| Cost of funding earning assets | 1.7158% | 1,788 |
| Net interest margin | 3.4745% | 5,394 |
| Noninterest income to average assets | 0.6735% | 2,993 |
| Noninterest expense to average assets | 2.2696% | 6,410 |
| Loan and lease loss provision to assets | 0.4046% | 3,484 |
| Net operating income to assets | 0.7962% | 3,016 |
| Return on assets (ROA) | 0.7962% | 3,178 |
| Pretax return on assets | 1.2760% | 2,245 |
| Return on Equity (ROE) | 9.4049% | 2,345 |
| Retained earnings to average equity (ytd only) | 8.6083% | 1,198 |
| Net charge-offs to loans | 0.3970% | 3,696 |
| Credit loss provision to net charge-offs | 126.4045% | 3,228 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,795 |
| Efficiency ratio | 57.4550% | 6,351 |
| Assets per employee ($millions) | 5.0922% | 2,070 |
| Cash dividends to net income (ytd only)* | 8.4698% | 3,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3053% | 4,938 |
| Loan loss allowance to noncurrent loans | 93.5983% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.5427% | 4,135 |
| Noncurrent loans to loans | 1.3945% | 4,529 |
| Net loans and leases to total assets | 78.3054% | 986 |
| Net loans and leases to deposits | 87.7545% | 2,042 |
| Net loans and leases to core deposits | 89.1610% | 3,219 |
| Total domestic deposits to total assets | 89.2324% | 1,267 |
| Equity capital to assets | 8.7021% | 6,008 |
| Core capital (leverage) ratio | 8.1566% | 6,104 |
| Tier 1 risk-based capital ratio | 14.6250% | 3,443 |
| Total risk-based capital ratio | 15.8823% | 3,411 |
| Memoranda: |
| Average total assets | $593,109,250 | 1,141 |
| Average earning assets | $559,330,500 | 1,085 |
| Average equity | $50,213,750 | 1,336 |
| Average total loans | $478,211,000 | 946 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2205% | 3,849 |
| Cost of funding earning assets | 1.7484% | 1,875 |
| Net interest margin | 3.4721% | 5,357 |
| Noninterest income to average assets | 0.6572% | 2,972 |
| Noninterest expense to average assets | 2.1114% | 6,864 |
| Loan and lease loss provision to assets | 0.4053% | 3,288 |
| Net operating income to assets | 0.8821% | 2,615 |
| Return on assets (ROA) | 0.8821% | 2,741 |
| Pretax return on assets | 1.4154% | 1,796 |
| Return on Equity (ROE) | 10.5175% | 1,925 |
| Retained earnings to average equity (ytd only) | 9.3095% | 1,007 |
| Net charge-offs to loans | 0.4175% | 3,323 |
| Credit loss provision to net charge-offs | 119.7605% | 3,399 |
| Earnings coverage of net charge-offs (x) | 5.3802% | 2,678 |
| Efficiency ratio | 53.6975% | 6,911 |
| Assets per employee ($millions) | 5.6089% | 1,528 |
| Cash dividends to net income (ytd only)* | 11.4855% | 3,123 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2552% | 5,150 |
| Loan loss allowance to noncurrent loans | 100.6720% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.2584% | 4,633 |
| Noncurrent loans to loans | 1.2468% | 4,885 |
| Net loans and leases to total assets | 77.8174% | 1,143 |
| Net loans and leases to deposits | 89.8742% | 1,875 |
| Net loans and leases to core deposits | 91.1310% | 3,103 |
| Total domestic deposits to total assets | 86.5847% | 2,769 |
| Equity capital to assets | 8.4088% | 6,288 |
| Core capital (leverage) ratio | 8.0495% | 6,200 |
| Tier 1 risk-based capital ratio | 14.1336% | 3,644 |
| Total risk-based capital ratio | 15.3915% | 3,598 |
| Memoranda: |
| Average total assets | $592,217,330 | 1,146 |
| Average earning assets | $558,572,000 | 1,093 |
| Average equity | $49,669,670 | 1,347 |
| Average total loans | $480,047,330 | 953 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2723% | 3,681 |
| Cost of funding earning assets | 1.7789% | 1,974 |
| Net interest margin | 3.4933% | 5,188 |
| Noninterest income to average assets | 0.6737% | 2,783 |
| Noninterest expense to average assets | 2.1208% | 6,885 |
| Loan and lease loss provision to assets | 0.4099% | 2,909 |
| Net operating income to assets | 0.8937% | 2,573 |
| Return on assets (ROA) | 0.8937% | 2,645 |
| Pretax return on assets | 1.4328% | 1,684 |
| Return on Equity (ROE) | 10.6697% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.6697% | 998 |
| Net charge-offs to loans | 0.3673% | 2,942 |
| Credit loss provision to net charge-offs | 135.7466% | 2,604 |
| Earnings coverage of net charge-offs (x) | 6.1018% | 2,281 |
| Efficiency ratio | 53.5080% | 7,021 |
| Assets per employee ($millions) | 5.4118% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2398% | 5,280 |
| Loan loss allowance to noncurrent loans | 102.1978% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2664% | 4,647 |
| Noncurrent loans to loans | 1.2132% | 4,939 |
| Net loans and leases to total assets | 79.6432% | 884 |
| Net loans and leases to deposits | 92.4076% | 1,552 |
| Net loans and leases to core deposits | 93.8449% | 2,857 |
| Total domestic deposits to total assets | 86.1868% | 3,039 |
| Equity capital to assets | 8.3508% | 6,223 |
| Core capital (leverage) ratio | 8.1719% | 5,956 |
| Tier 1 risk-based capital ratio | 13.9402% | 3,700 |
| Total risk-based capital ratio | 15.1969% | 3,653 |
| Memoranda: |
| Average total assets | $585,447,000 | 1,185 |
| Average earning assets | $551,338,500 | 1,134 |
| Average equity | $49,036,000 | 1,369 |
| Average total loans | $481,382,500 | 982 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4776% | 4,278 |
| Cost of funding earning assets | 2.3141% | 1,600 |
| Net interest margin | 3.1634% | 6,197 |
| Noninterest income to average assets | 0.6987% | 2,991 |
| Noninterest expense to average assets | 2.1601% | 7,072 |
| Loan and lease loss provision to assets | 0.9030% | 2,490 |
| Net operating income to assets | 0.4026% | 4,120 |
| Return on assets (ROA) | 0.4140% | 4,181 |
| Pretax return on assets | 0.6414% | 3,776 |
| Return on Equity (ROE) | 5.0023% | 3,661 |
| Retained earnings to average equity (ytd only) | 2.9240% | 3,120 |
| Net charge-offs to loans | 0.7277% | 3,013 |
| Credit loss provision to net charge-offs | 152.3948% | 3,015 |
| Earnings coverage of net charge-offs (x) | 2.5768% | 3,827 |
| Efficiency ratio | 58.5864% | 6,684 |
| Assets per employee ($millions) | 5.1856% | 1,959 |
| Cash dividends to net income (ytd only)* | 41.5455% | 2,849 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2003% | 5,357 |
| Loan loss allowance to noncurrent loans | 96.5989% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2029% | 4,694 |
| Noncurrent loans to loans | 1.2426% | 4,873 |
| Net loans and leases to total assets | 82.8540% | 564 |
| Net loans and leases to deposits | 96.7583% | 1,232 |
| Net loans and leases to core deposits | 111.1026% | 2,787 |
| Total domestic deposits to total assets | 85.6299% | 3,208 |
| Equity capital to assets | 8.4017% | 6,056 |
| Core capital (leverage) ratio | 8.1213% | 5,955 |
| Tier 1 risk-based capital ratio | 13.4066% | 3,877 |
| Total risk-based capital ratio | 14.6648% | 3,823 |
| Memoranda: |
| Average total assets | $581,365,600 | 1,184 |
| Average earning assets | $549,187,000 | 1,149 |
| Average equity | $48,118,200 | 1,402 |
| Average total loans | $473,429,800 | 1,013 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4901% | 4,465 |
| Cost of funding earning assets | 2.4529% | 1,435 |
| Net interest margin | 3.0372% | 6,501 |
| Noninterest income to average assets | 0.7417% | 2,757 |
| Noninterest expense to average assets | 2.1976% | 6,982 |
| Loan and lease loss provision to assets | 0.4118% | 3,856 |
| Net operating income to assets | 0.6359% | 3,472 |
| Return on assets (ROA) | 0.6509% | 3,465 |
| Pretax return on assets | 1.0276% | 2,815 |
| Return on Equity (ROE) | 7.8931% | 2,690 |
| Retained earnings to average equity (ytd only) | 5.1187% | 2,418 |
| Net charge-offs to loans | 0.4868% | 3,280 |
| Credit loss provision to net charge-offs | 104.6512% | 4,855 |
| Earnings coverage of net charge-offs (x) | 3.5988% | 3,466 |
| Efficiency ratio | 60.8129% | 6,307 |
| Assets per employee ($millions) | 5.1151% | 2,009 |
| Cash dividends to net income (ytd only)* | 35.1494% | 2,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8700% | 6,886 |
| Loan loss allowance to noncurrent loans | 70.5566% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 4,652 |
| Noncurrent loans to loans | 1.2331% | 4,886 |
| Net loans and leases to total assets | 83.1530% | 651 |
| Net loans and leases to deposits | 96.8569% | 1,466 |
| Net loans and leases to core deposits | 109.9041% | 3,250 |
| Total domestic deposits to total assets | 85.8514% | 2,778 |
| Equity capital to assets | 8.7955% | 5,802 |
| Core capital (leverage) ratio | 8.1181% | 6,154 |
| Tier 1 risk-based capital ratio | 14.0914% | 3,493 |
| Total risk-based capital ratio | 15.3235% | 3,448 |
| Memoranda: |
| Average total assets | $582,807,250 | 1,199 |
| Average earning assets | $551,107,750 | 1,155 |
| Average equity | $48,057,750 | 1,420 |
| Average total loans | $471,112,000 | 1,039 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4615% | 4,836 |
| Cost of funding earning assets | 2.5687% | 1,375 |
| Net interest margin | 2.8929% | 6,818 |
| Noninterest income to average assets | 0.7435% | 2,736 |
| Noninterest expense to average assets | 2.1697% | 7,124 |
| Loan and lease loss provision to assets | 0.2368% | 4,695 |
| Net operating income to assets | 0.6795% | 3,347 |
| Return on assets (ROA) | 0.7016% | 3,355 |
| Pretax return on assets | 1.1092% | 2,607 |
| Return on Equity (ROE) | 8.6904% | 2,473 |
| Retained earnings to average equity (ytd only) | 4.5003% | 2,792 |
| Net charge-offs to loans | 0.0902% | 5,285 |
| Credit loss provision to net charge-offs | 328.6385% | 1,415 |
| Earnings coverage of net charge-offs (x) | 18.2019% | 1,422 |
| Efficiency ratio | 62.3263% | 6,198 |
| Assets per employee ($millions) | 5.4937% | 1,586 |
| Cash dividends to net income (ytd only)* | 48.2160% | 2,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9500% | 6,557 |
| Loan loss allowance to noncurrent loans | 110.8470% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 5,292 |
| Noncurrent loans to loans | 0.8570% | 5,503 |
| Net loans and leases to total assets | 78.6561% | 1,603 |
| Net loans and leases to deposits | 90.7634% | 2,706 |
| Net loans and leases to core deposits | 105.0515% | 3,955 |
| Total domestic deposits to total assets | 86.6606% | 2,422 |
| Equity capital to assets | 8.0992% | 6,630 |
| Core capital (leverage) ratio | 7.7017% | 6,756 |
| Tier 1 risk-based capital ratio | 13.5603% | 3,780 |
| Total risk-based capital ratio | 14.8034% | 3,718 |
| Memoranda: |
| Average total assets | $591,227,670 | 1,203 |
| Average earning assets | $559,512,000 | 1,159 |
| Average equity | $47,730,670 | 1,441 |
| Average total loans | $472,254,330 | 1,057 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4948% | 4,940 |
| Cost of funding earning assets | 2.7008% | 1,270 |
| Net interest margin | 2.7940% | 7,004 |
| Noninterest income to average assets | 0.6988% | 2,896 |
| Noninterest expense to average assets | 2.0434% | 7,243 |
| Loan and lease loss provision to assets | 0.2033% | 4,415 |
| Net operating income to assets | 0.6864% | 3,626 |
| Return on assets (ROA) | 0.7306% | 3,619 |
| Pretax return on assets | 1.1637% | 2,750 |
| Return on Equity (ROE) | 9.0647% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.0647% | 1,460 |
| Net charge-offs to loans | 0.1599% | 3,684 |
| Credit loss provision to net charge-offs | 158.7302% | 2,665 |
| Earnings coverage of net charge-offs (x) | 10.1323% | 1,975 |
| Efficiency ratio | 61.1562% | 6,228 |
| Assets per employee ($millions) | 5.4547% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8693% | 6,878 |
| Loan loss allowance to noncurrent loans | 116.3781% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 5,020 |
| Noncurrent loans to loans | 0.7470% | 5,562 |
| Net loans and leases to total assets | 78.6345% | 1,660 |
| Net loans and leases to deposits | 90.0763% | 2,920 |
| Net loans and leases to core deposits | 105.0853% | 4,018 |
| Total domestic deposits to total assets | 87.2976% | 2,070 |
| Equity capital to assets | 8.0854% | 6,691 |
| Core capital (leverage) ratio | 7.8093% | 6,739 |
| Tier 1 risk-based capital ratio | 13.3390% | 3,973 |
| Total risk-based capital ratio | 14.5348% | 3,924 |
| Memoranda: |
| Average total assets | $590,182,500 | 1,208 |
| Average earning assets | $558,205,000 | 1,168 |
| Average equity | $47,569,000 | 1,447 |
| Average total loans | $472,803,000 | 1,064 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9240% | 5,929 |
| Cost of funding earning assets | 3.1150% | 1,463 |
| Net interest margin | 2.8090% | 7,317 |
| Noninterest income to average assets | 0.6354% | 3,594 |
| Noninterest expense to average assets | 2.1191% | 7,192 |
| Loan and lease loss provision to assets | 0.2313% | 4,585 |
| Net operating income to assets | 0.5940% | 4,323 |
| Return on assets (ROA) | 0.5942% | 4,191 |
| Pretax return on assets | 0.9302% | 3,619 |
| Return on Equity (ROE) | 7.4657% | 3,296 |
| Retained earnings to average equity (ytd only) | 4.6254% | 2,249 |
| Net charge-offs to loans | 0.2103% | 4,106 |
| Credit loss provision to net charge-offs | 135.8529% | 3,922 |
| Earnings coverage of net charge-offs (x) | 6.8202% | 3,259 |
| Efficiency ratio | 64.6027% | 5,420 |
| Assets per employee ($millions) | 5.4748% | 1,474 |
| Cash dividends to net income (ytd only)* | 38.0451% | 3,734 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8416% | 6,934 |
| Loan loss allowance to noncurrent loans | 131.0447% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 5,095 |
| Noncurrent loans to loans | 0.6422% | 5,440 |
| Net loans and leases to total assets | 80.2294% | 1,607 |
| Net loans and leases to deposits | 92.8339% | 2,989 |
| Net loans and leases to core deposits | 109.1801% | 3,845 |
| Total domestic deposits to total assets | 86.4225% | 2,207 |
| Equity capital to assets | 8.0343% | 6,797 |
| Core capital (leverage) ratio | 7.6948% | 6,947 |
| Tier 1 risk-based capital ratio | 12.9324% | 4,148 |
| Total risk-based capital ratio | 14.0881% | 4,122 |
| Memoranda: |
| Average total assets | $575,047,200 | 1,169 |
| Average earning assets | $541,442,000 | 1,142 |
| Average equity | $45,769,200 | 1,486 |
| Average total loans | $465,578,000 | 1,040 |
